Commodity chain & a pair of Steve Madden shoe Assignment

Safeguarding NFL Players

Question: Compose an exposition on the Role of Government in Safeguarding the Health of NFL Players? Answer: Greenhow, A. (2011). Blackout strategies of the National Football League: Revisiting the'Sport Administrator's Charter'and the job of the Australian Football League and National Rugby League in blackout the board This article was distributed in Sports Law Journal in 2011. In this paper the creators demonstrated that the suit of the United States are neglecting to secure the players of National Football League (NFL). This situation demonstrates the wastefulness of the administration of the United States and bringing up various issues about the duties of the legislature so as to ensure the football players of National Football League from lethal wounds and their wellbeing related issues after their football vocation is finished. The specialist in this paper contrasted the NFLs asserted disappointment and the case like Big Tobacco. The point of this examination was to see whether the administration of the United States has the obligation of the NFL players wellbeing related issues or not. In this article, the writer assessed the blackout the executives approaches of the AFL (Australian Football League) and NRL (National Rugby League) too. Heard, K. (2013). The Impact of Preemption in the NFL Concussion Litigation.University of Miami Law Review,68(1) This diary was distributed in Social Science Research Network (SSRN) in 2013. As of late, it is discovered that the pace of blackout is quickly expanded among the NFL (National Football League) players. The scientist demonstrated that there are 81 claims recorded against the NFL (National Football League) with respect to the blackout. In any case, in 2013 the NFL (National Football League) and the previous players went to a common settlements, where it was characterized that the NFL (National Football League) will bear $765 million for the advantages of the players just as paying remuneration for the exploration, case cost for them. In this setting the administration of the United States assisted with actualizing the law and press the NFL (National Football League) to give their pay any place required. Cottler, L. B., Abdallah, A. B., Cummings, S. M., Barr, J., Banks, R., Forchheimer, R. (2011). Injury, torment, and solution narcotic use among previous National Football League (NFL) players.Drug and liquor dependence,116(1), 188-194 This paper was distributed in Science Direct in 2011. The foundation of this work is injury looked by the football players in the NFL (National Football League). The analysts utilized phone overview of NFL (National Football League) players (644, resigned). From the overview it was found by the analyst that the greater part of the NFL (National Football League) players, who were abused during the football profession in NFL are generally abused currently contrasted and the other NFGL players. What's more, it is discovered that more NFL (National Football League) torment is related with the present abuse, for example, overwhelming drinking and blackouts. A large portion of the resigned NFL (National Football League) players are in this manner abusing opoid and the legislature have no control on the present circumstance. Bennett, D. (2012). Damage decrease and NFL sedate policy.Journal of Sport Social Issues, 0193723512458929 This paper was distributed in the diary of Sports and Social Issues in 2013. This article is planned to discover the strategies utilized by the NFL (National Football League) so as to diminish mischief of the illegal psychoactive medications. The arrangements utilized by the NFL (National Football League) to fortify the punishing custom of the medication approaches utilized by the administration of the United States. The medication strategies are centered around the testing of medications and they require poise from utilizing illicit medications. In this setting it is discovered that NFL rebuffs the players who utilized illicit medications by suspending them from the work just as cut off from their installment. Likewise, the NFL just as the administration needs to execute hardly any means to control the mischief decrease of the players. In this paper, the creator dissected three distinct instances of player suspension from a viewpoint of mischief decrease. The paper delivers the meth od to diminish hurt among the NFL players. Green, M. (2014). Handling the NFL: An examination of the job of the legislature in working environment wellbeing This article was distributed in Duke University Libraries (DUL) in 2014. In this paper the scientist was expected to break down the job of the central government with regards to lessening the blackout emergency in the NFL (National Football League). In this specific situation, the privet area enterprises were mediated by the legislature to improve the wellbeing and security of the NFL players. Also, the analyst found that the legislature recently interceded in a few issues with respect to the games business. Be that as it may, there was no noteworthy effect on the blackout enactment. The specialist expressed three contextual investigations, which were on different ventures it is discovered that the NFL (National Football League) blackout emergency is provoked government intercession. Be that as it may, it is demonstrated by the specialist that football is considered as a one of a kind industry in this manner the wellbeing related issues or the blackouts in this field is still not int erceded by the administration completely.

Swaziland Free Essays

Swaziland Death tolls in Swaziland keep on rising while at the same time mounting weight of the economy and absence of control carries Swaziland to the edge of debacle. Circumscribed between South Africa and Mozambique, Swaziland is a small nation that contains 1. 2 million residents. We will compose a custom paper test on Swaziland or on the other hand any comparable subject just for you Request Now This nation was guaranteed autonomy by the British in the late nineteenth century. It was at that point allowed to Swaziland in 1968. The present chief of Swaziland is King Mwsati III and the Deputy Prime Minister is Themba Masuka. While adjusting a government and a disabled economy, King Mwsati is having a go at everything in his capacity to get Swaziland in the groove again. The loss of life of HIV/AIDS is deteriorating a direct result of the absence of cash the administration assets to help forestall this lethal malady. Because of the reliable low Gross Domestic Product Swaziland gets every year, the administration battles to give cash which could help the nation by offering instruction, treatment, and medication. HIV/AIDS has taken over nearly the whole nation of Swaziland’s 1. 2 million residents. Swaziland’s most concerning issue keeps on being the incredibly high loss of life because of an ailment known as HIV/AIDS. As indicated by Avert. om, â€Å"HIV is an infection that can just contaminate human beings†. This infection debilitates your insusceptible framework by annihilating significant cells that battle sicknesses and keeps on imitating all through the whole human body, in the event that it goes untreated. Helps is the last phase of the HIV contamination. You hold the infection when your insusceptible framework isn't workin g appropriately, or at the end of the day, when your invulnerable framework becomes ‘deficient’. This infection can spread drastically through contact with an influenced person’s body liquids from sharing hypodermic needles related with drugs. Right now in Swaziland, around three in each one hundred individuals are tainted with HIV and around 7,000 individuals kick the bucket every year. In excess of seventy thousand youngsters have been stranded all through the nation since they have been determined to have HIV/AIDS. The Swaziland government is having a go at everything in their influence to restrain this infection, however they can't satisfy their arrangements because of difficult individuals or absence of cash the nation acquires. As the flow monetary conditions decline, the capacity to help those with HIV/Aids gets troublesome because of the absence of food and water. Individuals have turned to eating bovine waste for sustenance as they have to have food when they take their medication. With water being restricted, because of the steady dry spells; they have turned towards drinking the pee of creatures. This has made it significantly increasingly hard for the administration to help. Swaziland is a little country battling for development in their economy. At present, Swaziland’s GDP has just expanded by 0. 3% in the previous year. Contrasted with different nations, Swaziland is positioned 191 out of 216 nations in the GDP development rate. Swaziland has had various detours that have influenced them paving the way to a poor economy. This incorporates dry seasons, low farming movement, and the staggering impacts of HIV/AIDS that have added to the numerous components of battling nation. The expanded spending for moves, wages, and appropriations has not helped the economy yet has prompted spending deficiencies. Another monetary issue for Swaziland is the absence of fares the nation accommodates different nations. As indicated by Wikipedia. com, â€Å"The Swazi economy is firmly connected toward the South African economy, from which it gets over 90% of its imports and to which it sends about 70% of its exports†. Since Swaziland is barred from the sea, very few nations exchange with Swaziland however exchange with South Africa. Nations around the globe trust Swaziland’s exchanging merchandise are not the best because of the illness of HIV/AIDs that has taken nearly the entire populace. Since Swaziland’s economy is gradually sinking or as expressed by the Times of Swaziland, a â€Å"Economic Crisis†, the administration will proceed to battle and give the financing expected to forestall the significant impact of HIV/AIDS that has assumed control over the nation. Despite the fact that Swaziland has major financial and clinical issues to address, the administration despite everything gets an opportunity to turn it around in the event that they can instruct and help the Swazis on what should be finished. All Swazis concur that spending slices are required because of the budgetary emergency they are in, however they can't concede to what ought to be finished. Restricting the infection of HIV/AIDS could help the economy massively on the grounds that less individuals will bite the dust every year making more individuals work and redistributing assets for different methods. Families are separating and the level of vagrants is expanding. The more distant family support is declining with nobody to care for the vagrants or other relatives, however on the off chance that greater treatment is accessible progressively sound Swazis can be beneficial. By more individuals having the option to work makes more products to exchange which can expand the GDP. In the event that the economy recuperates, many spending cuts will be wiped out and all the more financing toward HIV/AIDS will be spent. In the event that the Swazis tune in to the administration and become tied up with a very much characterized monetary arrangement, I accept the nation will gradually begin to change and be making progress toward recuperation. The most effective method to refer to Swaziland, Papers

What Should You Do If You Go to a Bad High School

What Should You Do If You Go to a Bad High School SAT/ACT Prep Online Guides and Tips The nature of training at various secondary schools can differ generally, sometimesto the weakness of understudies. In the event that you go to a school that doesn’t offer the projects and level of guidance that you might want, you may feel disappointed and stressed over getting into school. In this article, I’ll give you a portion of the qualities of a â€Å"bad† secondary school and mention to you what steps you can take to improve your instructive experience and school applications in spite of these inconveniences. What Defines a â€Å"Bad† High School? There are a couple of qualities that are basic amonghigh schools that don't get ready understudies sufficiently for college.Your school may not really be â€Å"bad† in light of the fact that it has one of these attributes, yet in the event that it has every one of them, the exhortation in this article is for you. Low-Quality Teaching The nature of instructing at a secondary school can have a major effect in how much understudies learn in their classes and how intrigued they are in the subjects.If the instructors aren’t drew in, the understudies certainly won’t be.A sign of low-quality educating is the point at which the educator structures everything so the individual in question needs to accomplish as meager work as possible.For model, rather than all the more testing short answer tests, the instructor may give all of you different decision tests on the grounds that they’re quicker to grade.Students realize low-quality encouraging when they see it - it as a rule implies simpler, more blunt classes that need substance. Not many Advanced Classes Low-quality secondary schools regularly don't offer many propelled classes to students.This integrates with issues with instructing too; propelled classes are increasingly hard to educate and require skill that the educators at the school may not have.A â€Å"bad† secondary school may not offer any AP or IB classes, or it might offer just one or two.A absence of significant level classes can keep propelled understudies from testing themselves in secondary school and arriving at their full potential.It can likewise be a mishap with regards to applying for school. Constrained Choices for Classes Overall When all is said in done, â€Å"bad† secondary schools don’t give understudies numerous decisions for classes.These schools may offer less classes on the grounds that they’re underfunded and don’t have the assets for extra educators and course materials.A absence of decision can imply that understudies can't investigate their regions of enthusiasm for a way that would be conceivable at another high school.They may be constrained onto a specific course track that doesn’t fit their needs or pass up a subject that they would adore. In outrageous cases, understudies could even wind up not ready for school in light of the fact that their secondary school didn't offer the requirements they expected to prevail in early on school classes. It is cool to take the AP Environmental Science class in secondary school in case you're enthusiastic about nature protection, yet your school probably won't give you that alternative or offer different classes you're keen on. What Are Your Options If Your School Is Bad? On the off chance that your secondary school offers low quality guidance, you may need to go well beyond to get the sort of instruction you should be set up for school. Be that as it may, don't surrender: you do have alternatives. Alternative 1: Talk to a Teacher or Academic Advisor In the event that you go to an awful secondary school, you will likely profit by additional assistance past the guidance you’re getting in your classes.You can talk about your choices with an educator or direction instructor to perceive what you can do to improve your odds of being acknowledged to a decent college.They may have exhortation dependent on what other high-accomplishing understudies have done in the past to compensate for the absence of chances. Arrangements may incorporate concocting your own free investigation class or doing additional ventures in your current classes to show your scholastic abilities.This is the least problematic alternative you have, and it ought to be the initial step you take before you choose to seek after increasingly intense estimates like taking classes somewhere else or moving schools. Choice 2: Take Classes at a Nearby Community College Numerous secondary schools will permit you to do â€Å"dual enrollment.† This implies you’re all the while joined up with classes at your secondary school and a close by college.If the propelled classes you’re searching for are not offered at your secondary school, this can be an incredible method to access the learning encounters you need. Remember; in any case, that there are a few downsides to taking junior college classes in secondary school. You may need to pay for them all alone if your secondary school doesn't offer budgetary help, and you'll have to discover dependable transportation to and from grounds. Adjusting classes at two unique schools can be extreme, particularly in case you're vigorously associated with extracurricular exercises. Address a direction advisor to discover progressively about how your secondary school handles double enlistment and what your choices are. Choice 3: Transfer to a Different High School in the Area The last choice you have is moving secondary schools. This is an increasingly practical choice in case you're a first year recruit or sophomore, albeit in fact you can move at whatever time of secondary school. It's ideal to move as an underclassman since you'll have more opportunity to exploit better assets at the new school and change in accordance with an alternate situation. It tends to be intense socially and scholastically to move, so this ought to be a final hotel on the off chance that you have an inclination that your school isn’t cutting it.Transferring secondary schools will require some anticipating your part, yet it’s for the most part not very hard to apply for a transfer.You can apply toward the start of each school year (in September or October) for an exchange that will happen the accompanying year.Again, check with your direction instructor to perceive what your school’s approaches are for moving. The new secondary school should download all information from your cerebrum before you can start going to classes. This system is generally easy. Will Your School’s Quality Impact Your Chances of Getting Into College? In the event that you go to a secondary school that could be considered â€Å"bad,† you may be stressed over the impact this will have on the school application process.Admissions workplaces gather a ton of information about secondary schools around the nation that they use to advise their decisions.If your secondary school just offered two AP classes and you took them two, you wouldn’t be contrasted legitimately with an understudy at another secondary school who removed five AP classes from the 15 that were advertised. Universities comprehend that each secondary school is extraordinary and that some give preferable open doors over others.They do their best not to blame understudies for going to secondary schools with less open doors by thinking about whether as an understudy benefited as much as possible from the circumstance at hand.Colleges will be basically worried about two things on the off chance that you go to a terrible secondary school: Did you challenge yourself however much as could reasonably be expected inside the requirements of the educational program at the school while gaining high evaluations? Did you search out extra open doors outside of your secondary school to enhance your learning experience? In the event that you do both of those things, you will at present have a solid potential for success against high-accomplishing understudies who were lucky enough to go to better secondary schools. What Are Some Other Ways to Strengthen Your Application If You Go to a Bad High School? On the off chance that you’re still stressed over how you’ll charge in the application procedure, there are several estimates you can take to ensure you’re introducing yourself to schools in the most ideal manner conceivable: Develop Strong Extracurricular and Leadership Credentials Regardless of whether your school doesn’t have the best scholastics, you despite everything may have the option to partake in extracurricular exercises that will support your application.If you have an intrigue that you feel isn’t spoke to bythe current extracurricular contributions at your school, you can even make another club.This signs to universities that you’re ready to step up to the plate and are enthusiastic about something. You can likewise engage in extracurricular exercises that are not associated with your school, regardless of whether that incorporates a congregation gathering, volunteer association, network theater organization, or an alternate association. On the off chance that you’re into sports, you can attempt to turn into a group skipper so that you’re in an initiative role.Leadership is imperative to schools since it shows that you are equipped for being in a place of power with additional duties. This shows autonomy, development, and the possibility to roll out large improvements on the planet. The purpose of extracurricular exercises is to show that you have interests outside of scholastics and will carry something extraordinary to a school campus.You should utilize your extracurricularsto feature what your identity is and exhibit your latent capacity. Get Great Letters of Recommendation Another approach to develop your application is to keep steady over your letters of proposal. Ensure you solicit your instructors with bounty from time to save (unmistakably let them know throughout the spring of yourjunior yearand then affirm with them right off the bat in your senior year). Be key about which educators you request letters. It's ideal to ask educators who can vouch for your qualities as an understudy and your capacity to go well beyond in your coursework. On the off chance that you counseled an educator on the best way to improve your scholastic record for school applications, you may approach that instructor for a suggestion with the goal that the individual can give tales that point to your assurance. Compose an Awesome Personal Statement The individual explanation is an open door for you to inform universities something regarding yourself that they probably won't gain from the remainder of your application.It

The Importance of IELTS Essay Tips for the 2020 IELTS Test

The Importance of IELTS Essay Tips for the 2020 IELTS TestThe book IELTS Essay Tips for the 2020 IELTS test will help you become fluent in English. This way, you will be able to answer questions in English in exams and interviews. There are a lot of lessons that can be learned from this book so you need to have this in your IELTS Study Guide.An iELTS test is going to help you answer questions in English. An English test is what you should aim for because it tests your skills with the language. With this, you will be able to express yourself better. This is true especially in an interview or a job interview.An IELTS test is going to help you have a better English vocabulary and it can also help you if you want to learn English. An English test will help you learn the language skills of English. This can help you with how to write well, speak well, and do things correctly. It can also be used in other situations such as attending a seminar.The book IELTS Essay Tips for the 2020 IELTS t est includes some sample essays that you can use in exams and interviews. It can help you know how to answer questions in English that is grammatically correct. It is also a good place to study your grammar skills because you can read it at your own pace.You can also find some tips on when to read your essay samples. For example, if you need to answer a question that has a series of questions and then answers, you can read the essay example and then look at the sample answers. This will help you get a good idea of how to answer each question that is included in the essay sample. It will also give you an idea about how you should start your essay.Many people think that an IELTS test is only for native English speakers but the reality is that this test can be used by non-native English speakers as well. It is even recommended for non-native English speakers to take this test to be able to pass the test. They can go through the IELTS sample test and get some ideas about the test.It is a good idea to study from the book IELTS Essay Tips for the 2020 IELTS test because it can help you answer questions in English that is grammatically correct. It is also a good place to practice your grammar skills and writing skills. This book also provides you with some tips on when to read your essay samples and other things that will help you answer questions in English.Because it is a comprehensive book, it can help you learn English as a second language. It can help you be successful in an exam. This book can be used by those who are in a foreign country for an interview. It can also be used by non-native English speakers to get a better grasp of the language.

Just Released Latest 529 Plan 5-cap Ratings

Top-rated plans as of March 31, 2017 About the 5-Cap Ratings In addition to our 529 Plan Performance Rankings, Savingforcollege.com also assigns a 5-Cap Rating to plans to help investors evaluate their college savings options. Each quarter, scores are assigned based on a variety of factors, which we separate into four categories: Performance, Costs, Features, and Reliability. There is also a "Resident Upgrade" score to reflect any additional benefits offered to residents of the plan's sponsoring state. Ratings for advisor-sold plans assume that the higher cost structure is justified by the professional advice, due diligence and time savings a financial advisor can provide. How it works Each plan's category scores and the "Resident Upgrade" score are computed on a scale of 1 to 5. We use a weighted averaging algorithm to calculate the overall 5-Cap Rating. Each plan's category score and overall Rating are featured on its Plan Details page, so that individuals are able to weight each factor, such as historical investment performance, based on their own circumstances and preferences. Separate scores are calculated for residents and non-residents of each sponsoring state, since many states offer special benefits for residents who invest in their 529 plans. In fact, over 30 states, including the District of Columbia, currently offer a state tax credit or deduction for 529 plan contributions. It's important to note that while we do employ a mathematical formula to calculate these scores, a significant portion of our analysis is subjective, and the Rating does not assess every aspect of a 529 plan, its management, or future investment performance. Click here for more information on how we calculate the Ratings. Notes about the most recent rankings Several plans are in the process of dramatic changes, including the DC 529 Plan transitioning from Calvert to Ascensus College Savings, and the announcement that the Illinois 529 plans will soon be consolidated into the Bright Start College Savings Program. Both the Rhode Island 529 plans are also approaching the one-year mark in terms of performance history, which will allow them to be ranked. Given that the aforementioned plans won their respective contracts due to their diverse lineup of investments and low fees, it would not be unexpected to see them receive strong ratings, though it is still too soon to tell. Also note that several plans may have seen the ï ¿ ½Reliabilityï ¿ ½ component of their score decrease, though there were no changes in the plan. This is because one of the components of Reliability is the risk of plan upheaval, and as the contract expiration data approaches there is greater risk of changes in the plan. Top-rated plans as of March 31, 2017 A plan with a Rating of 5 Caps offers outstanding flexibility, attractive investments, and additional economic benefits (such as generous tax incentives) that can offer a substantial boost in savings for some investors. There are few, if any, weaknesses in these programs. The plans listed below currently have a resident and/or non-resident rating of 5 Caps. table{font-family:arial,sans-serif;border-collapse:collapse;width:100%}td{border:1px solid #ddd;text-align:left;padding:8px}tr:nth-child(even) {background-color:#ddd} ï ¿ ½ ï ¿ ½ Final Score State Program Non-resident Resident Alaska University of Alaska College Savings Plan 4.5 5 Colorado Direct Portfolio College Savings Plan 4 5 Colorado Scholars Choice College Savings Program 4.5 5 Illinois Bright Start College Savings Program -- Direct-sold Plan 4.5 5 Iowa College Savings Iowa 4.5 5 Maine NextGen College Investing Plan -- Client Direct Series 5 5 Michigan Michigan Education Savings Program 4.5 5 Nebraska Nebraska Education Savings Trust - Advisor College Savings Plan 4.5 5 Nebraska Nebraska Education Savings Trust - Direct College Savings Plan 4.5 5 New York New York's 529 College Savings Program -- Direct Plan 5 5 Ohio Ohio CollegeAdvantage 529 Savings Plan 5 5 South Carolina Future Scholar 529 College Savings Plan (Advisor-sold) 4.5 5 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) ï ¿ ½ 5 Utah Utah Educational Savings Plan (UESP) Trust 4.5 5 Virginia Virginia Education Savings Trust (VEST) 4.5 5 West Virginia SMART529 WV Direct 4.5 5 Wisconsin EdVest (Direct-sold) 4.5 5 Top-rated plans as of March 31, 2017 About the 5-Cap Ratings In addition to our 529 Plan Performance Rankings, Savingforcollege.com also assigns a 5-Cap Rating to plans to help investors evaluate their college savings options. Each quarter, scores are assigned based on a variety of factors, which we separate into four categories: Performance, Costs, Features, and Reliability. There is also a "Resident Upgrade" score to reflect any additional benefits offered to residents of the plan's sponsoring state. Ratings for advisor-sold plans assume that the higher cost structure is justified by the professional advice, due diligence and time savings a financial advisor can provide. How it works Each plan's category scores and the "Resident Upgrade" score are computed on a scale of 1 to 5. We use a weighted averaging algorithm to calculate the overall 5-Cap Rating. Each plan's category score and overall Rating are featured on its Plan Details page, so that individuals are able to weight each factor, such as historical investment performance, based on their own circumstances and preferences. Separate scores are calculated for residents and non-residents of each sponsoring state, since many states offer special benefits for residents who invest in their 529 plans. In fact, over 30 states, including the District of Columbia, currently offer a state tax credit or deduction for 529 plan contributions. It's important to note that while we do employ a mathematical formula to calculate these scores, a significant portion of our analysis is subjective, and the Rating does not assess every aspect of a 529 plan, its management, or future investment performance. Click here for more information on how we calculate the Ratings. Notes about the most recent rankings Several plans are in the process of dramatic changes, including the DC 529 Plan transitioning from Calvert to Ascensus College Savings, and the announcement that the Illinois 529 plans will soon be consolidated into the Bright Start College Savings Program. Both the Rhode Island 529 plans are also approaching the one-year mark in terms of performance history, which will allow them to be ranked. Given that the aforementioned plans won their respective contracts due to their diverse lineup of investments and low fees, it would not be unexpected to see them receive strong ratings, though it is still too soon to tell. Also note that several plans may have seen the ï ¿ ½Reliabilityï ¿ ½ component of their score decrease, though there were no changes in the plan. This is because one of the components of Reliability is the risk of plan upheaval, and as the contract expiration data approaches there is greater risk of changes in the plan. Top-rated plans as of March 31, 2017 A plan with a Rating of 5 Caps offers outstanding flexibility, attractive investments, and additional economic benefits (such as generous tax incentives) that can offer a substantial boost in savings for some investors. There are few, if any, weaknesses in these programs. The plans listed below currently have a resident and/or non-resident rating of 5 Caps. table{font-family:arial,sans-serif;border-collapse:collapse;width:100%}td{border:1px solid #ddd;text-align:left;padding:8px}tr:nth-child(even) {background-color:#ddd} ï ¿ ½ ï ¿ ½ Final Score State Program Non-resident Resident Alaska University of Alaska College Savings Plan 4.5 5 Colorado Direct Portfolio College Savings Plan 4 5 Colorado Scholars Choice College Savings Program 4.5 5 Illinois Bright Start College Savings Program -- Direct-sold Plan 4.5 5 Iowa College Savings Iowa 4.5 5 Maine NextGen College Investing Plan -- Client Direct Series 5 5 Michigan Michigan Education Savings Program 4.5 5 Nebraska Nebraska Education Savings Trust - Advisor College Savings Plan 4.5 5 Nebraska Nebraska Education Savings Trust - Direct College Savings Plan 4.5 5 New York New York's 529 College Savings Program -- Direct Plan 5 5 Ohio Ohio CollegeAdvantage 529 Savings Plan 5 5 South Carolina Future Scholar 529 College Savings Plan (Advisor-sold) 4.5 5 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) ï ¿ ½ 5 Utah Utah Educational Savings Plan (UESP) Trust 4.5 5 Virginia Virginia Education Savings Trust (VEST) 4.5 5 West Virginia SMART529 WV Direct 4.5 5 Wisconsin EdVest (Direct-sold) 4.5 5 Just Released Latest 529 Plan 5-cap Ratings Top-rated plans as of September 30, 2015 RELATED: See the top-rated plans as of December 31, 2016 About the 5-Cap Ratings In addition to our 529 Plan Performance Rankings, Savingforcollege.com also provides a 5-Cap Rating to plans in order to help investors evaluate their college savings options. Each quarter, scores are assigned based on a variety of factors, which we separate into four categories: Performance, Costs, Features and Reliability. There is also a "Resident Upgrade" score to reflect any additional benefits offered to residents of the plan's sponsoring state. Ratings for advisor-sold plans assume that the higher cost structure is justified by the professional advice, due diligence and time savings a financial advisor can provide. How it works Each plan's category scores and "Resident Upgrade" score are computed on a scale of 1 to 5, and we use an averaging algorithm to calculate the overall 5-Cap Rating. Each plan's category score and overall Rating are featured on it's Plan Details page, so that individuals are able to weight each factor, such as historical investment performance, based on their own circumstances and preferences. Separate scores are calculated for residents and non-residents of each sponsoring state, since many states offer special benefits for residents who invest in their 529 plans. In fact, 34 states, including the District of Columbia, currently offer a state tax credit or deduction for 529 plan contributions. It's important to note that while we do employ a mathematical formula to calculate these scores, a significant portion of our analysis is subjective, and the Rating does not assess every aspect of a 529 plan, it's management or future investment performance. Click here for more information on how we calculate the Ratings. Top-rated plans as of September 30, 2015 A plan with a Rating of 5 Caps offers outstanding flexibility, attractive investments, and additional economic benefits (such as generous tax incentives) that can offer a substantial boost in savings for some investors. There are few, if any, weaknesses in these programs. The plans listed below currently have a resident and/or non-resident rating of 5 Caps. View the complete list of updated Ratings here. California: The ScholarShare College Savings Plan - Non-resident rating = 5 Caps - Resident rating = 5 Caps Colorado: Direct Portfolio College Savings Plan - Non-resident rating = 4 Caps - Resident rating = 5 Caps ï ¿ ½ Scholars Choice College Savings Program - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps Illinois: Bright Start College Savings Program ï ¿ ½ Direct-sold plan - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps Iowa: College Savings Iowa - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps Maine: NextGen College Investing Plan ï ¿ ½ Client Direct Series - Non-resident rating = 5 Caps - Resident rating = 5 Caps ï ¿ ½ NextGen College Investing Plan ï ¿ ½ Client Select Series - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps Michigan: Michigan Education Savings Program - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps Nebraska: Nebraska Education Savings Trust ï ¿ ½ Advisor College Savings Plan - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps ï ¿ ½ Nebraska Education Savings Trust ï ¿ ½ Direct College Savings Plan - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps New York: New York's College Savings Program ï ¿ ½ Direct Plan - Non-resident rating = 5 Caps - Resident rating = 5 Caps Ohio: Ohio CollegeAdvantage 529 Savings Plan - Non-resident rating = 5 Caps - Resident rating = 5 Caps Rhode Island: CollegeBoundfund (Direct-sold, Alternative RI) - Non-resident rating = N/A, only available to residents - Resident rating = 5 Caps South Carolina: Future Scholar 529 College Savings Plan (Advisor-sold) - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps ï ¿ ½ Future Scholar 529 College Savings Plan (Direct-sold) - Non-resident rating = N/A, only available to residents - Resident rating = 5 Caps Utah: Utah Educational Savings Plan (USEP) - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps West Virginia: SMART529 WV Direct College Savings Plan - Non-resident rating = N/A, only available to residents - Resident rating = 5 Caps Wisconsin: Edvest - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps Top-rated plans as of September 30, 2015 RELATED: See the top-rated plans as of December 31, 2016 About the 5-Cap Ratings In addition to our 529 Plan Performance Rankings, Savingforcollege.com also provides a 5-Cap Rating to plans in order to help investors evaluate their college savings options. Each quarter, scores are assigned based on a variety of factors, which we separate into four categories: Performance, Costs, Features and Reliability. There is also a "Resident Upgrade" score to reflect any additional benefits offered to residents of the plan's sponsoring state. Ratings for advisor-sold plans assume that the higher cost structure is justified by the professional advice, due diligence and time savings a financial advisor can provide. How it works Each plan's category scores and "Resident Upgrade" score are computed on a scale of 1 to 5, and we use an averaging algorithm to calculate the overall 5-Cap Rating. Each plan's category score and overall Rating are featured on it's Plan Details page, so that individuals are able to weight each factor, such as historical investment performance, based on their own circumstances and preferences. Separate scores are calculated for residents and non-residents of each sponsoring state, since many states offer special benefits for residents who invest in their 529 plans. In fact, 34 states, including the District of Columbia, currently offer a state tax credit or deduction for 529 plan contributions. It's important to note that while we do employ a mathematical formula to calculate these scores, a significant portion of our analysis is subjective, and the Rating does not assess every aspect of a 529 plan, it's management or future investment performance. Click here for more information on how we calculate the Ratings. Top-rated plans as of September 30, 2015 A plan with a Rating of 5 Caps offers outstanding flexibility, attractive investments, and additional economic benefits (such as generous tax incentives) that can offer a substantial boost in savings for some investors. There are few, if any, weaknesses in these programs. The plans listed below currently have a resident and/or non-resident rating of 5 Caps. View the complete list of updated Ratings here. California: The ScholarShare College Savings Plan - Non-resident rating = 5 Caps - Resident rating = 5 Caps Colorado: Direct Portfolio College Savings Plan - Non-resident rating = 4 Caps - Resident rating = 5 Caps ï ¿ ½ Scholars Choice College Savings Program - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps Illinois: Bright Start College Savings Program ï ¿ ½ Direct-sold plan - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps Iowa: College Savings Iowa - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps Maine: NextGen College Investing Plan ï ¿ ½ Client Direct Series - Non-resident rating = 5 Caps - Resident rating = 5 Caps ï ¿ ½ NextGen College Investing Plan ï ¿ ½ Client Select Series - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps Michigan: Michigan Education Savings Program - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps Nebraska: Nebraska Education Savings Trust ï ¿ ½ Advisor College Savings Plan - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps ï ¿ ½ Nebraska Education Savings Trust ï ¿ ½ Direct College Savings Plan - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps New York: New York's College Savings Program ï ¿ ½ Direct Plan - Non-resident rating = 5 Caps - Resident rating = 5 Caps Ohio: Ohio CollegeAdvantage 529 Savings Plan - Non-resident rating = 5 Caps - Resident rating = 5 Caps Rhode Island: CollegeBoundfund (Direct-sold, Alternative RI) - Non-resident rating = N/A, only available to residents - Resident rating = 5 Caps South Carolina: Future Scholar 529 College Savings Plan (Advisor-sold) - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps ï ¿ ½ Future Scholar 529 College Savings Plan (Direct-sold) - Non-resident rating = N/A, only available to residents - Resident rating = 5 Caps Utah: Utah Educational Savings Plan (USEP) - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps West Virginia: SMART529 WV Direct College Savings Plan - Non-resident rating = N/A, only available to residents - Resident rating = 5 Caps Wisconsin: Edvest - Non-resident rating = 4.5 Caps - Resident rating = 5 Caps

Intelligence and Character - 1284 Words

Intelligence and Character â€Å"What do you want to be when you grow up?† Everyone has been asked this question at some point in their life. In fact, I am still being asked this question during this time in my life. Although the questions are in a more mature format, such as, â€Å"What are you majoring in?† and â€Å"What are you going to do with your life?† I have always answered this question with the same response. I want to be a teacher. Throughout my entire life I have respected and looked up to all of my teachers, as well as admired my parents, who are both educators. However, during my lifetime of playing â€Å"teacher† I have never actually thought about my personal educational philosophy. Yet, I can look back now on my†¦show more content†¦This philosophical method will be helpful in time management and keeping the students on track with their core lessons so that everything on the standardized tests will be covered throughout the school year. In my secondary English classroom I plan to use lecture and discussion methods to teach my students their basic reading, writing, and grammar skills. I believe that an essentialist’s style of an orderly classroom has positive effects on students’ comprehension factors, and although I do not plan to always have perfect rows of desks during class time, I feel that at certain times this seating arrangement will be necessary for a positive learning environment. Most of my English teachers used this essentialist teaching style, and I feel that it is important, especially in the secondary schools, to use this popular method in order to prepare students for collegiate classrooms. This â€Å"back-to-basics† curriculum that began because of the 1957 launch of Sputnik has become even more popular due to the 1983 report, A Nation at Risk, which shows a comparison between the weaker United States’ educational system with the stronger systems of other countrie s. Although this comparison brings forth an interesting point, I feel that it is difficult to encourage the development of character within this one philosophy. I realize that as a teacher I cannot teach theShow MoreRelatedPurpose of Education Essay669 Words   |  3 Pagesâ€Å"Christmas Morning,† both discuss what is the purpose of education. The purpose of education is to acknowledge not only one’s intelligence, but also one’s character, provide one with the ability to make decisions and achieve their goals. One of the purposes of education is to acknowledge one’s intelligence. In Frank O’Connor’s â€Å"Christmas Morning,† Larry’s mother believes that intelligence is the crucial part to the purpose of education. She said to Larry, â€Å"if only you’d stick to your books, you might beRead MoreComputer Science And Artificial Intelligence1712 Words   |  7 Pageslanguages and artificial intelligence. Artificial Intelligence Artificial intelligence can be defined as the theory that a technological system such as computers are able to independently perform tasks that would normally require the operation of a human being to achieve. The primary goal of an artificial intelligence system in a machine is to autonomously make decisions based on its perceived environment and efficiently complete a range of given tasks. Artificial intelligence in all forms seeksRead MoreLimitless Movie662 Words   |  3 Pages1. The main characters progress or change throughout the film: Eddie Morra lives in New York, and is an author suffering from writers block. He is stressed by the approaching deadline for his book, and his girlfriend Lindy also stresses him, because of the frustrations gained by his lack of progress and financial dependence. Eddie randomly runs into his ex girlfriend’s brother, who is a successful man with a nice suit and obviously a lot of money. 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Four of the five characters are genius young men whom all work at the same university as scientist, Leonard Hofstadter, Sheldon Cooper,Read MoreCharacter Analysis Essay1225 Words   |  5 PagesBrown, many characters are significantly important in the digital world and have a vast impact on â€Å"The Rise of the Internet† as seen today. The character Susan Fletcher is dedicated, determined, and independent this character is and is very influential to all goal-driven women who are to take on the challenges of the virtual world. One of the first things to consider about a character in a novel or story is the consistency of the character throughout the entire novel. 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Definition Of Small And Medium Enterprises Finance Essay - Free Essay Example

Sample details Pages: 7 Words: 2241 Downloads: 2 Date added: 2017/06/26 Category Finance Essay Type Argumentative essay Did you like this example? The definition of small business differ by different country and by different industry. Small enterprise have limited employees, sales is also low and focus on certain localised business regions. Some of the small business are run by families. Don’t waste time! Our writers will create an original "Definition Of Small And Medium Enterprises Finance Essay" essay for you Create order Most of the small or medium business are run by single owners, for example: a neighbourhood restaurant or a local bakery. Being small seems to bring them many advantages. The majority of businesses are considered small businesses and they currently employ 13.2 million people which accounts for greater than 58% of the UK private sector workforce (Connell,2007),and Mack(1999) also claims that virtually all the net new jobs being created are by small firms. Moreover, they play an important role in increasing the GDP of households. Haynes(2007) demonstrates that the wealth and income of households owning businesses tend to grow faster than ones that do not own businesses. Small businesses can be set up easily, entrepreneurs have their independence in making decisions and they do not need to consider others opinions. Small businesses serve fewer customers and usually have more frequent contact with those customers than large businesses. They also get the direct information from customers about what they like or dislike. Therefore, small businesses gain an advantage when customers have unique needs, want more individual attention, and are willing to pay a bit more for the product or service to obtain what they really want. On the other hand, all small businesses are not succeed. In fact, their failure rate seems to be higher than larger businesses. There is only one owner thus capital is very limited and difficulties in many areas become noticeable. As a result of having difficulty in getting loans from the banks. In the SAMs the main daily financial source is a from the customers. Some small enterprise have cash flow problems frequently due to customers who are late payers; some are closed down as a result of the inability to pay suppliers or debts in time. Additionally, over one third small businesses experienced cash flow problems during the past two years . Furthermore, depending on the size and nature of businesses, environmental legislations have brought them difficulties in seeking efficient environmental solutions such as sourcing environmentally friendly products and limiting manufacture waste. Further, one of the business needs is insurance, which provides an important means to handle busines s risks. In recent years, insurance has become hard to find for small businesses, is less affordable and gives less protection. Cash is like the blood in human body for all companies. So, the problem of financing is one of the most important issues in company operations. Appropriate and healthy sources of capital is the primary issue for an enterprise, especially for the SMEs. As policy, the reasons for their ideas, and SMEs own flaw, so that the financing channels for SMEs is relatively narrow, a shortage of funds has become a major bottleneck for the development of SMEs. This paper is trying to explore into the financing problems that SMEs face and provide some feasible sources of finance which can ease the cash flow pressures for SMEs. SMEs can be defined as having three main characteristics: ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Companies are not quoted on a stock exchange they are unquoted ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Ownership of the business is typically restricted to a few individuals. Often this is a family connection between the shareholders ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Many SMEs are the means by which individuals (or small groups) effectively achieve self-employment When an SME is not growing significantly, financing may not be a major problem. However, the financing problem becomes very important when a company is growing rapidly, for example when contemplating investment in capital equipment or an acquisition. Few growing companies are able to finance their expansion plans from cash flow alone. They will therefore need to consider raising finance from other external sources. In addition, managers who are looking to buy-in to a business or buy-out a business from its owners, may not have the resources to acquire the company. They will need to raise finance to achieve their objectives. Sources of finance for SMEs There are a number of potential sources of finance to meet the needs of small and growing businesses: ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Existing shareholders and directors funds (owner financing) ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Overdraft financing ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Trade credit ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Equity finance ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Factoring and invoice discounting ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Hire purchase and leasing ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Merchant banks (medium to longer term loans) Overdraft financing is provided when businesses make payments from their business current account exceeding the available cash balance. An overdraft facility enables businesses to obtain short-term funding although in theory the amount loaned is repayable on demand by the bank. There are several important factors to consider when assessing the appropriateness of an overdraft as a source of funding for SMEs: The amount borrowed should not exceed the agreed limit (facility). The amount of the facility made available is a matter for negotiation with the bank; Interest is charged on the amount overdrawn at a rate that is above the Bank Base Rate. The bank may also charge an overdraft facility fee; Overdrafts are generally meant to cover short-term financing requirements they are not generally meant to provide a permanent source of finance Depending on the size of the overdraft facility, the bank may require the SME to provide some security for example by securing the overdraft against tangible fixed assets, or against personal guarantees provided by the directors The amount of an overdraft at any one time will depend on the cash flows of the business, the timing of receipts and payments, seasonal trends in the sales and so on. For the past few years, apart from traditional financing as said above, a new form of financing was known as Trade financing. Its a popular method in order to solve the cash flow in the international trade. The trend is reflected partly in the growth in factoring volume. Trade finance gives you access to additional working capital and can help your business grow by funding the gap between the purchase and sale of a product or service. Trade finance terms are usually flexible and cost- effective, complementing existing banking relationships. Growth in open accout trade have implications to trade financing for SMEs ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Cash Flow financing vs Balance Sheet financing ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Knowledge in trade finance is waning among SMEs and some local banks (some even do not see trade finance as bank lending) ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Open account trade is less structured and leads to lower appetite for banks to finance due to risk concern, especially to SMEs who are weak in corporate governance and in weathering economic downturn ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Trade finance needs to be in different forms under documentary trade and open account trade, requiring investment in staff training, customer education and systems The Importance of Trade Financing: ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Making international trade easier to SMEs and allowing more new start-ups to participate in international trade ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Trade financing helps banks develop a complete picture of SME customers trade pattern, which would help long-term relationship development between banks and SMEs ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Trade financing encourages a more stable relationship between suppliers and buyers because trade finance tend to be less transactional and buyers and suppliers are always identified ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Less pressure in arranging unstructured revolving loans to SMEs in general Equity Finance is the money raised for company activities by selling common or preferred stock to individual or institutional investors. However, this method is not feasible for SMEs. So, its necessary to repeat more. Factoring also known as debt factoring involves selling invoices to a third party. In return they will process the invoices and allow to draw funds against the money owed to business. Essentially, these companies provide a finance, debt collection and ledger management service. It is commonly used by businesses to improve cashflow but can also be used to reduce administration overheads. Businesses that supply this service are called factors or debt factoring companies. Invoice discounting is an alternative way of drawing money against invoices. However, business retains control over the administration of your sales ledger. As well as providing finance, it offers valuable support services and credit insurance. Commercial banks as a group are the main source of external finance for SMEs. The characteristics of the banking system in emerging markets frequently inhibit SME lending. The root cause of this is could because most banks are state-owned in China. Histories of substandard lending may leave many banks with weak balance sheets. Significant shares of total credit are often allocated on the basis of government guarantees or under special programs to support targeted sectors. Banks may also be subjected to interest rate ceilings that make it difficult to price credit to SMEs in order to fully reflect the risk of lending to SMEs. In some countries, the authorities have been reluctant to allow banks to fail and the banking system was therefore supported by implicit or explicit government guarantees. Many banks may have ownership and other ties to industrial interests and, thus, tend to favor state-owned enterprises. If the banking system has possibilities to earn acceptable returns by lending to other borrowers, it will not develop the skills needed to do SME lending. If the formal banking system shows little inclination to lend to SMEs, there is little incentive for firms to produce credible accounts and operate transparently. The objectives for all SMEs are to motivate banks to make loans Risk awareness and high proportion of default in loan repayment from stop banks to grant loans to SMEs. It is necessary to establish a sound financial system for SMEs. Draw on marketing methods, popularize the corporate culture and the project dominant and development plan. It will attract banks who are willing to loan money to enterprises. However, the repayment of the first loan is very significant. This come down to the repayment terms problem. These do not just include how long the loan will continue and how much of each regular payment is of capital, and how much of interest, but also the circumstances in which the bank can call in the loan early. For instance, the terms may state that the entire loan should become repayable, with penalty interest, if more than two consecutive payments are late. At establish a sound financial system and the same time, SMEs should pay attention the long-term planning, draw up a financial plan for the development of the company. Importance of Financial Planning It is important to plan finances in order to reap long term benefits through the assets in hand. The investments that one makes are structured properly and managed by professionals through financial planning. Every decision regarding our finances can be monitored if a proper plan is devised in advance. The following points explain why financial planning is important. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Cash Flow: Financial planning helps in increasing cash flow as well as monitoring the spending pattern. The cash flow is increased by undertaking measures such as tax planning, prudent spending and careful budgeting. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Capital: A strong capital base can be built with the help of efficient financial planning. Thus, one can think about investments and thereby improve his financial position. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Income: It is possible to manage income effectively through planning. Managing income helps in segregating it into tax payments, other monthly expenditures. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Enterprise Security: Financial planning is necessary from the point of view of enterprise security. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Investment: A proper financial plan that considers the income and expenditure of an enterprise, helps in choosing the right investment policy. It enables the enterprise to reach the set goals. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Financial Understanding: The financial planning process helps gain an understanding about the current financial position. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Assets: A nice cushion in the form of assets is what many of all company desire for. But many assets come with liabilities attached. Thus, it becomes important to determine the true value of an asset. The knowledge of settling or canceling the liabilities, comes with the understanding of finances. The overall process helps enterprises build assets that dont become a burden in the future. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¢ Savings: It is good to have investments with high liquidity. These investments, owing to their liquidity, can be utilized in times of emergency. Planning of financial always helps enterprises in the long run. Conclusion ¼Ãƒâ€¦Ã‚ ¡ Financing have many ways. In the article, we say about borrowing from the bank, business owners, government aid and free market funds entered. We can be flexible to take these ways link together. However, the purpose of the financing is to do the business better and make the product better. Overall, enterprises must be integrated with each department to improve its effetiveness. Only through the effective financial management, the enterprises will not lose its creditbility and will become feasible in accessing bank loans and government aids. Since the Government have already recognized the importance of SMEs, more good policies have been released to help SMEs. Government have already taken several measures to help small and medium enterprises to get out of difficulties. Measures such as the SME Funds, the SME collection of bonds, equity loans, accounts receivable collateral loans, small loan companies,Security agencies and financial resources into the financing of the GEM Listing can be applied by the SMEs to ease their cash constraint. SMEs should select with discretion what are the best financing tools which suit them most. As emphasized previously, successfully seeking for the finance is nessary to integrate with an effective financial planning and its management if the achievement of the overall business success is to be reached.

Civil Liberties And Civil Rights - 1318 Words

For many centuries humans have wanted to live a life in peace, according to their beliefs, or according to what someone of higher power can do best for them. The United States has gone from being ruled by a king to a lose constitution to finally a constitution that has lasted many years. This constitution has gone through many changes in order to protect the rights of U.S. citizens. Moreover, these changes have occurred by much insistence and court cases from the people. Out of these changes, civil rights and civil liberties have erupted in order to protect the lives of citizens even more. Who we are as citizens of the United States can be characterized by the concept of civil rights and civil liberties, the idea that the constitution†¦show more content†¦The Bill of Rights limits the power of the government, meaning the government cannot take away the freedoms outlined in it. The constitution protects the major rights enumerated in the Bill of Rights with the 14th amendment . The 14th amendment, which was ratified in 1968, protects citizens against state infringements of the rights and liberties guaranteed in the constitution; states equal protection of the laws. In the case of Palko vs Connecticut, a man named Frank Palko was convicted of second degree and first degree murder in the same murder case. This lead him to appeal to the Supreme Court on the basis that his case was that of double jeopardy, which was prohibited by the fifth amendment. Although the case could be considered double jeopardy, the court decided it was not one of the provisions of the Bill of Rights incorporated in the 14th amendment. It took the court to nationalize the constitutional protection against double jeopardy. Furthermore, this case established the principle of selective incorporation, which was the process by which different protections in the Bill of Rights were incorporated into the 14th amendment, granting citizens protection from state and national governments. Afte r 1961, most of the provisions of the Bill of Rights were incorporated into the 14th amendment and applied to the states and the national government. The 14thShow MoreRelatedCivil Liberties And Civil Rights1081 Words   |  5 Pages1 McGahey 3 Megan McGahey Sherry Sharifian GOVT 2305 71430 20 September 2017 Civil Liberties vs. Civil Rights In the U.S. most use the terms Civil Liberties and Civil Rights interchangeably; although they both protect the freedom of citizens they do this in different ways. 2 Civil Liberties are limitations placed on the government. These are things the government is restricted to do, by the constitution. Things that could interfere with personal freedom. 3 For example, the 1st amendment says thatRead MoreCivil Liberties And Civil Rights1083 Words   |  5 Pages2017 1 Civil Liberties vs. Civil Rights 2 Civil Liberties are basic rights and freedoms that we are guaranteed by the government. You can find them in the Bill of Rights and in the Constitution. Civil liberties are liberties that we as Americans feel safe to interpret on the daily basis. 3 Some civil liberties include, the right 4 for free speech, the right to privacy, the right to remain silent in a police interrogation, the right to be free from unreasonable searches of your home, the right to aRead MoreCivil Rights And Civil Liberties1025 Words   |  5 PagesProfessor Sharifian Government 2305 September 28th, 2017. 1 Civil rights vs Civil liberties 1. 2 Define Civil Liberties; then define Civil Rights. How are they similar? How do they differ? Which civil sequence has more influence on your life as you know it to be now? Why do you believe this to be so? Civil rights and civil of liberties have regularly been the discussion of different locales throughout the years. In the achievement of social liberties and freedoms, laws and statutory arrangements have mustRead MoreCivil Liberties Vs Civil Rights1134 Words   |  5 Pages2017 SLO 1 Civil Liberties vs Civil Rights Democracy in simple sense is understood as rule of people. As said by Abraham Lincoln,† democracy is government of the people, by the people, for the people†. In democracy all the power is seized by the people but, still we find many cases in different parts of the world that the political leaders and government officials and their families having more rights and power as compared to regular people. The violation of civil liberty and civil rights by the governmentRead MoreCivil Liberties And Civil Rights1149 Words   |  5 PagesWhat Role Does Our Civil Liberty and Rights Play In Our Government System? Have you ever put some thought into how our Civil Liberties and Civil Rights work in our system or even attempt to figure out what they are? Our government system comprises Civil Liberties and Rights that are similar in ways and different in others, but one of them can have the most influence on your life. 1 Civil Liberties and Civil Rights are rights that we have as Americans. Civil Liberties are basic rights and freedoms thatRead MoreCivil Rights And Civil Liberties1157 Words   |  5 PagesSharifian 01 Oct. 2017 Civil rights and civil liberties Every citizen of the country is bounded and benefited with the freedom of Civil rights and Civil liberty. Civil right is the right of the citizen to be equally and fairly treated by the government, written in the 14th Amendment. Civil right moment was mainly focused only on the slaved, African American people. Then civil liberties firstly, not only protected the rights of African American people, it also included the right of gay, lesbian and femaleRead MoreCivil Liberties And Civil Rights1500 Words   |  6 PagesAssignment One: Civil Liberties v. Civil Rights Linsey (Lins) Morgan - Student ID: 3104067 GOVT - 2305 - 71063 Northlake College Had I been born a mere 60 years earlier, I would likely be in jail. Before discussing the U.S. Supreme Court decision which has preserved my freedom, I would like to examine the nature of civil rights and civil liberties. Next, we will look at some of the historical context which would have found me jailed. Lastly, we will conclude by looking at the impact of the U.S. SupremeRead MoreCivil Liberties And The Civil Rights902 Words   |  4 Pagescountry. This is where our civil sequences: Liberties and Rights, keep our country intact. 1 Both Civil Liberties and Rights are granted and defined in the Constitution. We must continue enforcing our civil sequences to maintain order for ourselves, our states, our government, and our nation. Civil Liberties focus on our basic freedoms as Americans and Civil Rights are concerned with rights regarding the treatment of an individual. 2 Definitely a Civil Liberty is ‘the basic right to be free from unequalRead MoreCivil Liberties And Civil Rights960 Words   |  4 Pagesvoting are very important aspects of shaping the government. Without certain civil rights being granted by the government, these important rights of expression and suffrage would not exist. There is a difference between civil liberties and civil rights in relation to the government. Civil liberties refer to an individual’s unalienable freedoms that cannot be taken away by political intervention. On the other hand, civil rights are provided by the government in order to promote equality. This ideologyRead MoreCivil Rights And Civil Liberties910 Words   |  4 PagesSept/30/2017 Civil rights v. Civil Liberties Civil rights and civil liberties are the rights and freedom both made for good of communities and country. Both are introduced to benefit citizen of the country. A Civil right is mainly about the fair treatment with every person which is protected by the fourteenth amendment. â€Å"It was first introduced after civil right movement which was mainly about the true equality among African American who were mainly treated as slaves.† (1, FindLaw). But now the civil right

The Sociological Aspects Of Aging - 1722 Words

The beginning of the 21st century has been the most remarkable time in the history of human life with respect to life expectancy. Individuals on a planetary scale are living longer than was previously envisaged. More than 36 million people in some of the world’s largest economies, along with a number of European countries, are above the age of 60. Better living conditions, improved health standards and proper medical care are key determinants of longevity of life. Individuals who are 40 years old can prepare to age well if they understand certain aspects that can aid them to age gracefully. Ageing well is dependent on the extent to which individuals are able to remain conscious of the social, psychological, and physical challenges of the aged. The sociological aspects of aging are defined by the activities an individual engages in while transitioning to old age. To age well, a person needs to take part in social activities that deal with family or the community. For instance, joining a members club or offering to volunteer in certain activities aid in ageing well. It is, however, important to note that social perspectives of aging are diverse across different cultures. For instance, a 40-year-old individual in the United States may not have similar ageing aspects as a person living in Africa or parts of Europe. Gerontologists have on many occasions provided a number of reasons to explain the essence of aging, yet such perspectives can comprehensively be understoodShow MoreRelatedSociological Aging : A Sociological Perspective Essay902 Words   |  4 PagesSociological Aging Social aging is referring to the changes in individual’s roles and relationship in the society as they age. There are many different theories concerning sociological aging. 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In relationRead MoreTheory of Successful Aging1648 Words   |  7 PagesTheory Of Successful Aging INTERNAL CRITICISM Adequacy: The Flood’s Theory of Successful Aging (Flood, 2005) was developed to addresses a nursing theory for care of the older adult regarding to the lack of nursing theory that offers clearly delineated guidelines for care of aging. Flood’s(2002) unique definition of successful aging among other explanations includes mental, physical, and spiritual elements of the aging person and emphasizing the individuals self appraisal. She used existing knowledge

Philmont free essay sample

All I could do was chug the little bit of water I had left. My mouth was dry and I was fatigued enough to collapse. It was only half way through the day, but my group’s goal of reaching the summit of that mountain was complete. My group started at 5:00 before the sun came up. There would be no breakfast until a half hour after we began, because it was important to wake up our bodies before eating. I had no idea how hard it would be to go from an elevation of 9,000 feet to 12,500 feet. But, over the next three hours, I would find out. The trail was five miles of switchbacks then a half-mile straight up. At least we only had to carry water and food with us. No full backpacks. After two miles, half of group was getting low on water. I shared my extra two liters with others when they ran out. I honestly questioned whether I could handle it. In the weeks prior to the trip, I contemplated what being a good leader meant and what characteristics make up a strong leader. As the trek went on I discovered that there was a more effective way to lead than to order the scouts around. I connected with each member of the crew on a more personal level, hoping to understand what each Scout had to offer to create an efficient crew on the trail. This in turn, helped build stronger team spirit amongst our crew. As the trek progressed, everyone began to assume a unique role on the team, which resulted in less required direction from me as a leader. It was at this time that I learned the most regarding what makes a leader. This situation allowed me to step back just enough to observe the cohesiveness and effectiveness of our team. Looking back on it now, I’ve come to realize that it is the team that makes a good leader. It’s the team from which the leader receives ideas and feedback. The leader has to listen and understand the team, but without a great team, even the best leaders are restricted in their effectiveness. General Douglas MacArthur once said: â€Å"A general is just as good or just as bad as the troops under his command make him.† Exhausted but thrilled, we approach the summit just as the magnificent sun sets over the horizon. Sighs of relieve can be heard, in awe of our victory over the treacherous Mt. Phillips. We remind ourselves that this is only one obstacle of many to come in this trip and in our lives.

Chief Illiniwek Essay Example For Students

Chief Illiniwek Essay Are you anti-Chief or pro-Chief? Before I answered that question I decided toeducate myself on the topic and saw this research paper as the perfectopportunity. What I wanted to know was when was the Chief Illiniwek introduce,what the deal is with the dance, and who and why did this anti-Chief movementstart. The tradition of Chief Illiniwek was started on October 30, 1926, duringa football game against the University of Pennslyvania. Raymond Dvorak, who wasthe Marching Illini director of the time, chose the person, Lester Leutweiler,who portrayed the first Chief Illiniwek. Lester Leutweiler, a Caucasian, waschosen because he had studied Native American dance and leather work as a BoyScout. Leutweiler made the first Chief Illiniwek custom and created the firstdance. Another University of Illinois student who was dressed up as theUniversity of Pennsylvania Quaker joined Lester, in the first dance. During theperformance, both came out on the field together. After they each puffed on apea ce pipe briefly, Lester performed the dance for the first time. (Beckham 3). Since Lester Leutweiler, there have been 33 students to portray Chief Illiniwek,one of which was a female student. (Beckham 8). The second student who portrayedChief Illiniwek was Webber Borchers. Borchers was the first student, whoportrayed Chief Illiniwek, to wear an authentic Native American outfit. Hetraveled to a South Dakota reservation, where he stayed for a couple months, andan elderly Native American woman and her apprentice handcrafted the outfit forhim. On September 25, 1982, Sioux Chief Frank Fools Crow traveled to theUniversity of Illinois with fellow Sioux elders Anthony Whirlwind Horse and JoeAmerican Horse. (Chief Illiniwek 5) Chief Frank Fools Crow was considered thegreatest Native American spiritual leader of the 19th century. (http://www.chief.uiuc.edu/FoolsCrow/frank.htm). During halftime ceremony, Chief Fools Crow gave the University of Illinois theregalia that are currently worn by Chief Illiniwek. (Chief Illiniwek). Theregalia were Chief Fools Crows own, which was handcrafted by his wife. Manysay Chief Fools Crow was proud to present the University of Illinois with thegift because his work and his wifes would be shared and be seen by many. The power and the ways are given to us to be passed on to others. To thinkanything else is pure selfishness. We get more by giving them away, and if we donot give them away, we lose them.-Fools Crow (http://www.chief.uiuc.edu/FoolsCrow/frank.htm). Sadly enough Chief Frank Fools Crow passed away in 1989. The dance ChiefIlliniwek performs during halftime is a pow-wow dance, which is a way of meetingtogether, to join in dancing, singing, visiting, renewing old friendships andmaking new ones. (Deleary and Dashner 4). More specifically Chief Illiniwek is atype of Oglala-Lakota Sioux dance called Fancy dance, which is celebratory innature, has no religious, war or ceremonial significance. (Tice 14). The originof Pow Wow (fancy dance) is believed to be the societies of the Poncha and otherSouthern Plains tribes. These dances may have had different meaning in the pastbut today they are social dances. Although dance styles and content havechanged, their meaning and importance has not. (Deleary and Dashner 4). Thedance consists of two main parts, the downfield dance and the solo dance. TheChief performs the dance with the Marching Illini during what is called theThree in One. The Three in One consists of three traditional University ofI llinois songs; Pride of the Illini, March of the Illini,and Hail to the Orange. This celebrated tradition has been performedat the conclusion of every halftime show in Memorial Stadium for nearly 75years. (http://www.chief.uiuc.edu/tradition/performance/dance.htm). Theperformance begins as the band gathers in the center of the field. Marchingtoward the north endzone in block band formation, band members sing Prideof the Illini as thousands of onlookers clap in rhythm to the cadence ofthe snare drum. As the Marching Illini nears the North endzone, the Chiefappears, bursts through the block band, and dances downfield toward the Southendzone. After the Chief reaches the south endzone, he returns to the center ofthe field for the Alma Mater. During the downfield portion of the dance, theMarching Illini, which has been marching in block band formation towards theNorth endzone, performs a difficult countermarch maneuver and marches backtowards the center of the field spelling ILLINI. As t he bandfinishes spelling ILLINI, the Chief returns to the center of thefield. The downfield portion of the dance is now complete. (http://www.chief.uiuc.edu/tradition/performance/dance.htm). .u2dbc51e0b0b414c5cac75949b1acfa76 , .u2dbc51e0b0b414c5cac75949b1acfa76 .postImageUrl , .u2dbc51e0b0b414c5cac75949b1acfa76 .centered-text-area { min-height: 80px; position: relative; } .u2dbc51e0b0b414c5cac75949b1acfa76 , .u2dbc51e0b0b414c5cac75949b1acfa76:hover , .u2dbc51e0b0b414c5cac75949b1acfa76:visited , .u2dbc51e0b0b414c5cac75949b1acfa76:active { border:0!important; } .u2dbc51e0b0b414c5cac75949b1acfa76 .clearfix:after { content: ""; display: table; clear: both; } .u2dbc51e0b0b414c5cac75949b1acfa76 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u2dbc51e0b0b414c5cac75949b1acfa76:active , .u2dbc51e0b0b414c5cac75949b1acfa76:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u2dbc51e0b0b414c5cac75949b1acfa76 .centered-text-area { width: 100%; position: relative ; } .u2dbc51e0b0b414c5cac75949b1acfa76 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u2dbc51e0b0b414c5cac75949b1acfa76 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u2dbc51e0b0b414c5cac75949b1acfa76 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u2dbc51e0b0b414c5cac75949b1acfa76:hover .ctaButton { background-color: #34495E!important; } .u2dbc51e0b0b414c5cac75949b1acfa76 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u2dbc51e0b0b414c5cac75949b1acfa76 .u2dbc51e0b0b414c5cac75949b1acfa76-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u2dbc51e0b0b414c5cac75949b1acfa76:after { content: ""; display: block; clear: both; } READ: The Essence of Teamwork EssayOn October 16,1998 I heard Charlene Teters, founder of anti-Chief movement,speak at the University YMCA. The majority of those who intended were whitemales and Latinos. She was one of three Native American students recruited tothe University of Illinois, to pursue her bachelors degree in art, from theArt Institute of Native American. She is the mother of two children, a wife,Senior Editor for Indian Artist Magazine and a Spokane Indian. When she firstarrived to the University of Illinois, she and the other two Native Americansrecruited walked around campus. What she, along with the other two students,discovered was that the campus was insensiti ve to Native American students. Theyfound degrading images of the Chief; such as a bar, which was called home of theDrinking Illini, with a falling intoxicated Indian, toilet paper with theChiefs face on every sheet, and a door mat with the Chiefs face on itwhich was worn out. But at the time they had no support system to protestagainst the issue. The reason she started the anti-Chief movement was for herkids. She did not say in what year, but she took her two kids to a basketballgame and during the halftime show she noticed her kids slouch into their chairlike they wanted to disappear. What they saw was the Chief, which they hadalways been taught to hold in high honor, making a fool of himself and thusembarrassing Native Americans. At the following home game she, by herself,decided to protest and she was treated without any respect. People spit on her,kicked her, and the media tried to ridicule her. All this backfired and she wonsupport that she needed to start and continue to figh t against the Chief. Attractive, articulate and eloquent Ms. Teters is very often on-camera,describing lucidly how and why she and many others feel that the Illiniwek typeof activities, symbols, logos, regalia, mascots plus many inauthenticitiesareblows to Indian pride and self-esteem since they constitute non-respect ofimportant rituals. (http://fantasia.ncsa.uiuc.edu/~jayr/NG.HTML). Another wayshe protests against Chief Illiniwek is through her art and educating otherabout the cons- of Chief Illiniwek. The most interesting form of her protest wasthrough her art. For example, she has drawn a caricature of Abraham Lincoln,which completely ridicules him, but she calls it a symbol of pride honoring himsince we are in the Land of Lincoln. So basically she uses it as acomparison to the way the anti-Chief supporters view the Chief.

The Journey of the Magi TS Eliot Essay Example

The Journey of the Magi TS Eliot Paper The poem The Journey of the Magi is T. S. Eliot recalling the journey of the three Wise Men to witness the birth of Jesus Christ in Bethlehem. Also it depicts Christs lifetime through signs the Magi see. As well as this, the poem covers Eliots journey from being an atheist to becoming a member of the Christian faith. In this Critical Evaluation, I am going to examine the poem, in depth, and show how the poet captures the emotion of the Magi. Thomas Stearns Eliot (1888-1965) was born in St. Louis, Missouri, U.S.A. to an old New England family. He was educated in three of the worlds best institutes for learning: Harvard University, The Sorbonne and Merton College, Oxford. He moved to England in the 1920s and became a British Citizen. At around the same time he joined the Anglican Church and became a devout Christian. His writing between 1917 and 1943 reflects his development as a Christian writer. In the first stanza, the first five lines are a quote from Lancelot Andrewes sermons of the Nativity. These lines are: A cold coming we had of it, We will write a custom essay sample on The Journey of the Magi TS Eliot specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on The Journey of the Magi TS Eliot specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on The Journey of the Magi TS Eliot specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Just the worst time of year, For a journey, and such a long journey, The ways deep and the weather sharp, The very dead of winter. Eliot sets the scene in his memory in both the above lines and in the next two lines: And the camels galled, sore-footed, refractory, Lying down in the melting snow. That scene describes a very cold winter and three important people are going on a long journey. The camels have sores where the baggage straps have rubbed against their skin. They are being stubborn and wont get up. At this point the magis attendants are becoming unruly and want to turn back. Also the Magus, who is telling the story, feels himself the temptation to go back but kept on going anyway as shown in this passage: Then the camel men cursing and grumbling And running away, and wanting their liquor and women, And the night fires going out, and the lack of shelters, And the cities hostile, and the towns unfriendly, And the villages dirty and charging high prices: A hard time we had of it. At this point we see some repetition of the words we had of it from the first line. Also, Eliot, at this point, starts off a list with a lot of ands meaning that the Magus did not want such inconveniences. More setbacks are seen at this point in the poem with the Magi resorting to sleeping very little and travelling dangerously at night, with all the people that they meet saying that it was the wrong thing to do: At the end we preferred to travel all night, Sleeping in snatches, With the voices singing in our ears, saying That this was all folly. Also, the voices could be seen as the people back in their home telling them that it was a stupid idea to go in the first place. The start of the second stanza sees the travellers coming down into a warmer environment: Then at dawn we came down to a temperate valley, Wet, below the snow line, smelling of vegetation, The line structure also reflects this happening because the lines are written in chronological order when the Magi came down the slope; the temperature rose, the snow turned more into slush the further down they got. Also, the lines got longer, to signify the hill. They got to the point where the snow ceased to exist and they could smell the plants in the valley. Now we see the signs of what will happen to this baby they are going to see. And three trees on the low sky. And an old white horse galloped away in the meadow. Then we came to a tavern with vine-leaves over the lintel, Six hands at an open door dicing for pieces of silver And feet kicking at empty wine-skins. All of the information above has something to do with the last days of Christ. The three trees represent the three crosses on Calvary, where Jesus and two thieves were crucified. The old white horse symbolizes Christ when he was resurrected. The Tavern represents the vinegar wine that was offered to Christ while on the cross by Roman guards. The vine leaves over the lintel represents the crown of thorns placed on Christs head by the Romans soldiers that mocked him. The six handsdicing represent the Romans gambling over Christs clothes, while he was still alive on the cross and the pieces of silver are the thirty silver coins Judas received for betraying Christ. Lastly, the empty wine skins represent the Last Supper of Christ and the Apostles. The arrival of the Magi at the stable seems to only be satisfactory experience for the poet, as it seems that he disapproves of the Messiah being born in a stable. In the third and final stanza, the Magus looks back at his journey and thinks about Births and Deaths. The Magus talks about the birth of a baby, Christ, and at His death, the birth of a religion, Christianity, and, at the same time, the death of the old ways and the old religion: This: were we led all this way for Birth or Death? There was a Birth, certainly, We had evidence and no doubt. I had seen birth and death, But thought they were different; this Birth was Hard and bitter agony for us, like Death, our death The Hard and bitter agony like Death is an example of a simile that means that the journey for the Magus was like dying to him, because he had gone from the comfort from his home, travelled a great distance and suffered hardships that he had probably never had to endure through before, all to see a baby being born in a stable whilst at the same time, sees the babys death on the journey. At the end of the stanza, and the end of the poem, the Magus finishes with thoughts of his own subjects still believing in an old religion and he looks forward to his own death With an alien people clutching their god. I should be glad of another death The poem The Journey of the Magi is T. S. Eliot recalling the journey of the three Wise Men to witness the birth of Jesus Christ in Bethlehem. In this Critical Evaluation, I examined the poem, in depth, and tried to show how the poet captured the emotion of the Magus.