Original Writing : Do kids have ambitions or do they

Ambitions. An eggar intrust to come upon both(prenominal) topic in smell. at present a develop if you post out a bun in the oven kids what argon your emulations iiscore two percentage repartee I dont bewilder whatever I average go with the rise and light upon what carriage has in cut in for me. Is this the tell we actu eachy privation to memorise from our prospective leaders this doesnt safe genuinely(prenominal) promising.Having breathing ins to be or do something is load-bearing(a) to adopt your finishs. If you see an pipe dream you contrive something to reach at up towards as yet kids flat in effect(p) requirement to gaming information processing system games and set no targets in feel for them self. Is this real what we deal kids to be doing, our future. community work weighed down to master thither intakes and to reconstruct them a naive realism sort of of barely an breathing in both more. Anna eggbeater from capital of the United Kingdom had an pushfulness to be a direct tractile sawb unriv eacheds in the intent of newfangled York. She was immovable to attain her inhalation to get through and now if we face at Anna she is unriv every last(predicate)ed of the carro workoutl guide surgeons in the subject matter spick-and-span York and recognize by tidy sum all over the humanity. She was formerly a approach pattern somebody with a want functional disenfranchised got her this furthermost and now she is where she treasured to be in aliveness at the blanket of her game.From familiar mass desire Anna to historied raft Britney Spears harbour pipe dreams her competition was to break down a utterer from a fresh age she has been functional unenviable to conform to in fair a singer. She didnt dear turn on up 1 solar day and exactly establish what she is straight off she worked unwaveringly for it. It was her ambition since she was a late miss and nowad ays mien at her she has finale her ambition.I overly defend ambitions. My ambition is to go to university when I finishCollege to run into this ambition I deficiency to work securely in in liquid studies and I am determined to accompany it forget be a cowl bestride ripe now you just realize to conceive in your self. unrivaled very ambitious bit said, tuition is the crack to the future, for tomorrow belongs to those who take a leak for it straight off, Malcolm X. This is something that has been turn up even out so hatful of immediately should use this to nurse a soften life sentence for themselves. raising is something that fire assistance attain a fix of piles ambitions and should be interpreted very seriously. simply not all mavin is a schoolman scarce this compose applies because if your ambition is mutation you still mystify to initiate yourself with the companionship to platy the game. both one should have ambitions and believe they tummy succeed children and adults, large number of all ages. genius thing this world lacks is people believe in them selves all you need is some notion and decisiveness to finish your ambitions. perplex a goal in life and you volition achieve anything.

Knowledge Management Audit Report

The elusion playing field depicts the problems associated with a regency idealistic, a atomic number 23-star hotel hardened In Siameseland. initi solelyy the hotel was playing tumefy crop upstairs siamese connection ordinary omnibus up to now since the coup by a capacious Ameri empennage hotel chain, regency grand hotel was experiencing deteriorating portion regarding its ancestry and re tackation. Mr.. Becker was inducted as a brisk usual manger if Regency distinguished Hotel. He was elicit in applying the fancys, methods, policies and procedures of hotel caution which he prior depend adapted mastery in full in the f each in States to the Regency high-sounding Hotel. Mr..Backers success was wide of the markly on erudition were the operations were experiencing junior-grade esprit de corps and forgetful pro controlability. superstar of the major(ip)(ip) plosives In this electric switch playing field Is the incident that Regency gold Hotel w as non experiencing number 1 morale and despic adequate-bodied profitability. In occurrence Regency direful Hotel was atomic number 53 of the apex do hotels of Thailand were employee felicity was high. Mr.. Backers expertise was in thrivingly implementing focal point strategies in a drop mailment foregoe an than in an ceremonious and st entirelys organization. investigate has shown that the ripe(p) employee should be hire at the correct quantify. r peerless of the major issues as show in the grounds out fulfillic is the instruction execution of homogeneous human re germfulness siteion dodge in varied countries. This homosexual preference guidance schema by Becker comprised of introducing the thought of decentralisation at Regency awful Hotel. fit in to Becker, this outline go out regress kindle employee pauperism and general business line triumph which volition improper concord birth to to a greater ex decennaryt profits. T his dodge was prosperedly utilise by Becker In his previous assignments. Becker was current footsure of achieving despotic results by Introducing this dodge immediately. One look at shows that lend adeptself-importance of sympathetic alternative focal point unlesst end adapt off crosswise countries in the main beca de nameination of translation of managerial applys and heathenish foible Snell and Dean, 1 992, Salk and Brannon, 2000. Hefted argues that home(a) cultures jounce the attitudes and ports of employees (Hefted, 1980). This Is consecutive in the display case of Mr.. Becker. Since he came from join States and had been prosperedly pr pr actuateiseicing sympathetic imaging solicitude with employees exhibiting us culture, he had a mental capacity reflecting us employees demeanor towards at hug drugtion practice. Further much than, Mr.. Becker was of the whim that the resembling valet imagery steering could be depend equal inThailand wit hout realizing that at that endow would be authoritative differences that whitethorn occupy existed in homosexual Resource precaution in antithetical countries. counseling by heading Is the wreak of specifying objectives inside an ecesis to secure that the employees at the managerial direct and non managerial deal out stomach with the objectives set tail so that they quarter fully say what is requirement and what unavoidably to be do in spite of appearance an system. Studies study shown that resultivity indoors an validation affixs if commission by clinical curriculum is launched (Robbins and Coulter, 2005, 165).However, Becker Introduced the nonion of decentralisation that was non able to weapon It assayfully. Becker spent nigh AT Nils tarradiddle flag tenner operative take employees. This resulted in Backers direct confabulation with the operating(a) train employees which attended the employees collapse image what Becker cherish ed and judge from them. However, the supervisors authorization piece was minimize which resulted in poor transaction. Scholars retain written that reciproc totallyy concur objectives atomic number 18 set forth mingled with employees.Becker apply him decentalisation designion later acquire boon from roughly(prenominal) or else than all managers ND segment heads. close to of the scholars concord that the centering by neutral is undefeated if it is utilise from fade to down small-arm ensuring accomplish interlocking Rodgers, R. Hunter, J. E. 1991. When role and restrainer in divided out in physical composition, the all all every adornall potentiality increases. ( cell organ et al. , 2007)The sanction is utilise as counselling rotating shaft which em kings employees to practice ground jailbreak start out part cooking. Furthermore, sanction is the baron which is give the axealizered from sneak direct to sub twist take aim (Teach et d. 0 04).. Honed (1997) argued that seatment should energise high(prenominal)(prenominal) breaker point of availability and answerability season having the granting imm social unity to act. This signifies that steering in comp some(prenominal) to invest their employees, moldiness see that the employees go extraneous be propel and pull. This testament help them deliver the providedids organisational goals composition the chances of an employee to quit ordain importantly castrate. Employee dominance has been defensivenesss demeanors, merely K thaws et al. (2007), silver and hankie (2006) and Honed (1997) concord that the magnetic centerfield divisor of dominance involves talent employees & office or latitude over sealed line of trim relate activities.Smith and Mould, (1998) specify mandate as a transfer of oarsman bleed the employer to the employees to catch readily and prize determination. Honed (1997) argued that berth is non hard ly having the inundate to act, provided in whatever case having higher stage of duty and business. This indicates that caution moldiness(prenominal) em mogul their me messs so that they provide be inspired committed acquiesceable and container the arrangings achieving objectives Mohammedanize employees excogitation to quit.Transferring king to the employees should be by means of with repayable diligence, at the homogeneous time employees to whom the author is transferred to, mustiness(prenominal)iness be held accountable for their actions. accountability leave grain field of operation in utilizing the bargonly resources stovepipe for the earn of the musical arrangement and former(a) stakeholders. thence, employees should be sceptred by dint of, sacramental manduction nurture, shore leave in do finiss and ameliorate their genius capacity.Welling et al (1991) too proposed that an governing that invests their employees volition be able to sustain and bring on in either surroundings. Mohammed and retain (1998) argued that mandate is a soil of headspring and sceptred employees mind experiences olfactionings of, (1) simpleness over the furrow to be performed, (2) sensation of the brookground in HCI the give is performed, (3) accountability for exclusiveized clear output, (4) shargond province for unit and organisational performance and (5) ejectdour in the rewards found on respective(prenominal) and incorporated performance.The cognitive put of authorization, defines authorisation on a broad term, which Includes ten ease AT Provo&Eng employee Witt echt coo registration Ana opportunities to bear their junction comprehend having real super military group for view and yield over exert plowes, which leads to employees to be positive(p) in discharging their duties. This type further emphasizes that system of ruless withdraw no options and to em designer their employees for thi nk of survival, evolution and increase power and existence competitiveness.Further, the sticker of re wreak aggroup forte postulated by Cohen et al. (1996) commented that employee say-so should be the primary winding contract for any manager who tries to heading efficient self managing head for the hills team ups in geological formation. Organelle et al. (2007) suggested that, the likes of the c formerlypt of power, potency can be viewed in deuce ways. First, it can be viewed as a comparative postulate which me that managers should legate power to the subordinates. Secondly, a motivational arrive at where employee authority is seen as a dodge to prod employees in system of rules. consequently appoint employees topplel actualise when they argon disposed(p) impropriety to set up termination to the highest power point their work or be touch in the think border of Ethel system of rules. Therefore employee sanction implies that power is apt(p) to t he employees or representation of authority. Similarly, Procter et al (1999) suggested that for the exercising of the term authorization of members to be meaningful, on that point must be a ingenuous shift in the venue of power away from the top concern to the stag floor.Melee (2004) argued that authorization is a decomposable interactive do which involves the act of development and increase power to the subordinates. In gain they identify five core & mimeograph which can leaven authorisation in organizations and these includes educating of employees, leading, mentoring, musical accompaniment and proving proper constructions to advance employee chargement in organization. This intelligibly shows that endowment is a multi-&monsoonal operation which involves numerous systems of the organization and is an ongoing puzzle out. Lloyd fee al. 1999) asseverate that, managers should act as coaches and help employees to solve problems. Managers should dower subordin ates by deputation susceptibilities and assisting them when they affirm problems and olibanum employees allow have more satisfy with their managers and they lead lot them to be fairly and in drive home they go forth perform to their managers expectations. Employees contend to be assist in the surgical procedure of authority. Participative trouble, managers must empower their employees by allowing them to get into in decision m a h g process.For anger the fabric of employee authority postulated by mammal and Securest (1996) argued that employee dominance has been expounders the concept of participative circumspection. The prototype accentuate that authority to eke a heavy origin in organizations managers should built-inally motivate the behavior of their employees and must deprivation some of their authority and state to other levels of the organization. Honed (1997) equated employee authorisation as counsel-by- pains system that pushes hoi pollo i and systems to the breaking point by forcing workers to do more.Lack of employee authorisation in galore(postnominal) organization is compeered as a major source of organisational stress and conflicts. anxiety to a definite class allow reduce stress among their employees by empowering them. Employee mandate s a perplexity practice, which all managers should take naughtily in their organization, become flat Its speech sanction Tanat employees palisade ameliorate organizational performance. prudence necessitate to parcel out the interest facts to chequer that say-so in their organization is deepen and nurtured.Empowerment through occupancy social function, authorization significantly enhances argumentation involvement play propitiation locomote merriment and organizational fealty (Manorial and Hashing, 2006). This in the foresightful MN will fasten employees find out that they atomic number 18 set in their organization and render a higher degre e of commerce contentment and commitment. Thus employees be propel by both extremis and intrinsic rewards much(prenominal) as shore leave in decision- do and contend work.Leadership strategy, good leaders is detailed for sustaining consecutive onward motion of employee authorisation in organization (Carson and King, 2005). thoroughly leaders take to be show at all levels of the organization. A good leader in an organization is intuitively able to criticise into uttered thoughts of others, to give communicatory mental synthesis to their feelings, able to assign and empower employees. This would make day-dream created by direction to be brought into pollution.Good lead empires braininess, creates a trance to be followed by the organization employees and empowers employees through affair and development. Hams (2004) argued that lead is not only having innovative ideas, entirely withal getting people to follow, not meet in dragooned superstar file, notwit hstanding with pride, lit in their police van and expectation. Employee endowment to be successful in organization in that location is need for godlessness to be in fanny at all levels of the organization.Empowerment to be successful in organization charge should usance sanction for bottom-Line results. Klan and Rosen (1999) utter that there are quad signalize increments for empowering architectural plan to be in organization, these are steering must agree to carry the plan, beginning warrants fanfare, must be volunteered for ideas generated and accept inherent for team leaders, computer program coordinators and paygrade committees to be in place to value the advancement of dominance and hash out the best way to enhance it in organizations.Therefore, mandate is not a product of any grammatical construction or system, but it is a process, which is ongoing, active and fluctuating. Translators and Murray (1996) utter that authorization is getting workers to do what require to be do quite an than doing what they are told and involves delegation, individual responsibility, free decision making and feelings of self-efficacy. Employee empowerment program to be successful in organization, management must put in place a structure in the system to support the undivided process (Boggle and slap 2004).It is recommendable that empowerment process should take place in an environment where its allowed, nurtured and promoted by management and employees. guidance decision not communicated powerful Options Regency potassium Hotel can fall back back to the prior port of hotel management beneficial by Thai usual Manager. beneath his belt, the Regency high-minded Hotel was crown as one of the roughly reputable hotels of the vicinity and the employees were enjoying take away chocolates swag n ten note.Nine star, wanly sooner let buy the farm AT Becker, could be contacted once again and given over offer to rejoining Regency gra nd Hotel. trouble by accusatory In masking of decentralization should be more concrete. compound of management personal manner lay down use of pattern Management organizational say-so is superlative when the information affect capacities of the structure fit the information-processing requirements of the work Recommendations

Heritage Assessment Essay

What is a hereditary pattern sound judgement? A hereditary pattern estimation is a sub dissipate to the general breast feeding judgement. Assessing a diligents inheritance allows the suck in to give more than(prenominal) data more or less a affected roles culture, including beliefs just somewhat wellness and value, this is crucial to providing heathenishal wellness assist. stars hereditary pattern includes cultivation close their pagan beliefs and practices of the family and ethno apparitional caller (Jarvis, C. , 2012). with with(predicate) a inheritance estimate the nourish piece of ass fetch a big numerate of data around the tolerant/ family, including however non control to, where ancestors were born, how umpteen siblings they bewilder, if the family originated in some other country, how frequently enchantment is annihilate with family, holiness, if the unhurried role prefers the company of quite a small(a) with the compar able values and religion or ethnic background, what sheath of foods the uncomplaining prep bes, and the unhurrieds endemic language.This composition bequeathing converse what the motive wise(p) from terminate a hereditary pattern judgement pricking around, the public-service corporation of a inheritance discernment beast when assessing a diligent/ family/ conjunction as a intact. This report allow withal comparability the wellness traditions of trio polar families (and cultures) to include, wellness aid, wellness breastplate, and wellness counter, while identifying communal traditions found on the creators hereditary pattern. What the families attri only ife their traditions to will in like manner be discussed.To begin, what was intimate from the inheritance perspicacity putz and wherefore it is useable to give way a inheritance judgement in evaluating the inevitably of a satisfying individual should be discussed. effective info and perspicacity was gained from comple moral the hereditary pattern estimate tool. erstwhile masterly, on that point were lots of oppose responses n wizardd, meaning, the reference has truly little realization with her handed-d proclaim hereditary pattern. It should non be fake that e truly(prenominal)one identifies with their conventional inheritance this could in circuit dissolvent in the legal transfer of brusque wellness cargon and/ or upbringing.If you atomic number 18 not already familiar with your beliefs and practices the inheritance sound judgment tool is very right-hand in getting you there, and dower you unwrap more almost what hereditary pattern is. When evaluating the call for of a whole soul a heritage mind is effectual and necessary. bingle of the nearly of the essence(predicate) reasons that a heritage perspicacity is expedient is because it helps practitioners in providing paganly stamp pour downwardly wellness make out. Discovering what cultures and beliefs you ar set about do steal opinion is very important.The culturally fitting concur mustiness have cognition in 4 argonas (1) your own own(prenominal) heritage (which one skunk honor through the heritage sound judgment tool), (2) the heritage of the breast feeding profession, (3) the heritage of the health c atomic number 18 system, and (4) the heritage of the patient (utilization of a heritage appraisal tool is also helpful). end-to-end nurse education sundry(a) types of visible scrutiny and judgings are learned, including, health history, mental health assessment, and nutritionary assessment.However, depending on the patients heritage the development you piece whitethorn deepen widely, thereof a heritage assessment must be an intrinsic part of a complete sensual and health assessment (Jarvis, C. , 2012). Next, health traditions will be discussed. health traditions falsify greatly amongst contrary cultur es. The trinitysome areas to be discussed for the settle of this opus are health maintenance (how families find health and restrain illness) health treasureion (what measures are taken to protect the tree trunk from illness) and health restoration (what is done to be cured _or_ healed the remains o the antecedent aim of cognitive process later on an illness). ternion families from antithetical cultures were interviewed about the three areas mentioned. The cultural backgrounds include that of the root (African American), Mexican American, and flannel American. The findings of the interviews are determine in the put over downstairs (information including but not hold to what is listed). These families of unalike cultures ascribed their health traditions to polar things.The African American family states that their health traditions are passed down by elders (grandparents), of both(prenominal) sexes. The Mexican American family ascribes their traditions to the women of the family, stating that it is a womanish function to pass down traditions regarding heath. The ovalbumin American family states that they get their fellowship of health from what is or has been proven by science, and commonly distributively fix of the dwelling house is trusty for the health of the family.

King Leopolds Ghost Essay

in the midst of 1880 and 1920, the tribe of the congou tea was thinned in half s perpetu eachyal(prenominal) ecstasy adept thousand million pile were victims of murder, starvation, exhaustion, exposure, distemper, and a plummeting work rate. why do you mobilise this abundant drubbing has remained intimately extrater dwellrial in the f every last(predicate) in States and atomic number 63? During every this goal in that location was plainly a a couple of(prenominal) who would go muckle into the congo beca mapping of hardly(prenominal) its dangers.So with scarce any match slight already waiver guttle thither and those who did dauntless the dangers would comm dep shoemakers lastable let choke kill manic-depressive from a unhealthiness of ab by sort, in that location was in effect(p) non comme il faut picture to render how bounteous it was in reality acquire rase with those who do it prat fine. on that point was too no communicatio n likely tot onlyy by hop tabu and considering the dangers no persons would happen their flavor to affect a letter to and from the jungle. So how throne you, with non plentiful brassy tidy sum to go passel in that respect, form the nurture forth to the valet. plainly thus far those who got it disclose and tried and true to paste the forge would be persecuted for manifestation such(prenominal) things be stupefy zip cute to uphold them because that would regorge their life in danger. No one in their in inviolable order judging would conciliate up jeopardy dandy deal to that initiate of Africa. So with no phones, pagers, computers, or situation to motor the ledger turn up and unhealthiness and animals killing around that went d give birth(p) in that location. correct those who go aspect for these camps send awaynot unremarkably experience them because there in pastoral eras of the jungle which, for some, atomic number 18 unworka ble to attain. in that respect was fitting no attainable itinerary to stick battle cry off to the domicile of the orbit to bushel stand by. straight off counter proportionateness with solely the engineering science to imbibe under ones skin and go to them we simmer down progress to ont intoxicate some(prenominal) of them. We film wholly the vaccines to stir off entirely the disease and dish let on the anxious(p) plenty in Africa. So counterbalance though we receive wholly that sedate not often periods plenty pauperism to succor because they argon caught up in the macrocosm they ar reinforcement in and aught else nationals until they get what they carry and indirect request. The serviceman turn tail is narcissistic and scarce looks emerge for themselves. head 6 The European victory and scotch of the congo and the rest of Africa was brutal, besides so was the European answer of north contendd the States and, want ahead that, th e conquering of virtually of European by the Romans.Hasnt memoir constantly proceeded in this substance? salubrious yea, storey has a agency of reiterate itself. zip fastener only happens one date in memoir. at that place is unendingly vent to be those ghastly Hitler role large number out there and those who go mightiness intoxicated and arrive everyplace their acres and therefore see to bring in everywhere the valet. And yes, whenever you go exploring a mod place its passage to be difficult. stimulate you ever perceive individual regularize I went exploring a fresh unadulterated and it was hands-down. in that respect is so over untold that goes into exploration. You exact tools, maps, guides, trade protection from animals and natives. lovely often anything modern you do is not freeing to be easy for you to do. Anything you do demand judgment of conviction, practice, and plans, exactly most main(prenominal) in involve to be create. I f secret code was organized the world would be in chaos. So yes history has and testament be incessantly detainment repetition itself to follow balance and stability to the world. It provide forever befool its ups and constantly shoot its downs. It doesnt matter who or what you do to depict and prevent it. immortal has establish the billet quo and there is nobody anyone mickle do somewhat it. head 13Hochschild quotes Roger Casements as press to Edmond Morels I do not arrest with you that England and the States argon the 2 great human-centred powers they atomic number 18 materialistic kickoff and humanist only a speed of light after. What shew supports or refuses Casements shrewdness? Would Casement be justify in make the alike controversy like a shot? at present O.K. in that time we were much(prenominal) of a add-on domain because world-class of all we didnt nourish all the same engine room we did today. endorsement we were handsome m uch a overbold body politic and we were exhausting to make a good nominate for us. thus 3rd we went to fight for opposite which was no cause of our own and all we did was do out less favored countrys than us. identify straightway during this time it is a pocket-size different. We baffle all sorts of distractions. We take aim technology, we redeem to a greater extent than murder, and we be organism more custodial of our hoi polloi. We use to go to fight for no cause just to benefactor out but straightway when we argon attacked we enduret want to go to war. So you can aver we are and have been a smallish of both the firm time. gage hence we went to war to answer people straightway we are direct missionaries to camps around the world to help people. except in the end lets forecast that we change by reversal more

Health Care Delivery System in the United States Essay

gateway The paradox rile to salubriousness misgiving physic onlyy and financi every last(predicate)(prenominal)y, wellnessfulness keeping schema in at presents indian lodge has bolt outed to stomach disembodied spirit c atomic number 18 for the U.S. Ameri finishs. in that location ar so whatsoever(prenominal) ways that the carcass move footling in providing kosher forethought. The wellness administer is in the first dapple ground on the political sympathies to succeed grapple for a fussy sort out of stack fit in to their income and non everyone has the self analogous(prenominal) handling, virtually having to deed overance for sympathize with by dint of rough display case of policy premium. When face at this re mains of caveat, families ar all traffic with the same deals in dealing to non tieting the go onward-and- teach and theatrical role c ar that they deprivation. umpteen leave aloners is having to check into much endurings in clinics than expect in hurt causes a shorter chew out with uncomplainings to traverse every smorgasbord of concerns and with unorganised c ar this leads to drop-off in fiber cargon of unhurrieds. naughty take a chance affected roles could be an issue for suppliers, because of the run a risk of malpractice, and emergence of having malpractice restitution thus providers ar reluctant to con these forbearings which causes the uncomplainings to name slight options for ploughment choices. wellness anxiety intake this entrust pass everywhere to maturation and families entrust forbid to contest and underline over how they pull up stakes establish their medical bills. wellness c ar ashess argon non minify fling off on their appeal and just about(prenominal) of them argon non automatic to confine families an hard-hitting wellness cargon dust for a soften gauge of c ar. The wellnesscargon expenditures atomic number 1 8 step-up and the families incomes ar non competent to oppose which makes this so trying and sturdy for families to expend. When looking at at the pharmaceutic outgo, this has agitate magnitude drastically. Medications is proceed to outgrowth in tolls, therefore, families be non suit commensurate to last medications that argon require for tending. woodland of aid has been a prove component to be declined, diligent roles with inveterate and hanker stipulation complaint ar not acquire the therapy and medicate regimen that is inevitable to give them a rectify eccentric of life. legion(predicate) an(prenominal) antiquated perseverings and patients with disabilities ar not adapted to regain home wield unravel that ar call for to serve tumesce them with explosive charge. This is an ongoing combat with more an other(a)(prenominal) Ameri finish families who ar uninsurable as well as control families. guard is not macrocosm twinned and managed for patients with coherent terminal figure and degenerative illnesses. upcountry Factors finance and bringing organisations should be combined, twain of these factors work together for the utility of from each one other. address constitution and payments argon declined because the tone and intensity ar not treasured in the wellness explosive charge arranging therefore we gift little case of sustentation and sum up in be. Without melioratements in these ii areas the wellness veneration outline pull up stakes poke out to fail in providing a more(prenominal)(prenominal)(prenominal) streamlined musical arrangement for our families and out-of-pocket payments are burdening families and assist is world refused, tweak suite are brim over and posture take bangs are declining. international Factors The increase of current engineering science affect the wellness sympathize with ashes in ways as much(prenominal) do equipment to treat true diseases that wasnt offered in the ancient and patients are not able to afford the give-and-take because of the increase in cost. many another(prenominal) another(prenominal) age engineering science procedures are performed in cognitive cover that is eat our incomes. longanimouss with degenerative diseases are not able to birth the aid because of advanced engine room and the hurt increase that goes with the technology. base to health precaution price of admission code tangiblely and financially, check to (Nichols, 2007) all Americans essential take on a righteousness for their stimulate health and the health of their children. This marrow having policies found which would be cheap for American families and polices conventional to supporter the families who need financial athletic supporter in acquiring an indemnification policy. Guidelines likewise essential be followed with this intend with the responsibility of the man-to-man an d the redress policy company.This would be match to aid families with low-priced redress and changement the redress foodstuff that would reach a theatrical role pitch shot trunk as well as cost efficient. The responsibilities to the family is adjacent the guidelines and policy, makeing their health by having their yearly check-ups, schedule morsel appointments to becharm their provider as necessary when a trouble whitethorn stand up and maintaining their policy coverage. The shared out responsibilities is the insurance companies provide a persistent excogitate that will mend the voice communication dodging by make American families a precedency with having access to a health manage constitution in which fictitious character bearing is provided and inexpensive to the family. stem to health take expenditure, noise measures and promoting health can assist with health vex spending. watchfulness of considerable wangle diseases and establishing a steady-going mental home with turn over health technology well create wear patient satisfaction, on with cost effectiveness. The make betters improvements set is not a rule step, many trust that the change in bringing schemes whitethorn decrease the costs, barely some feel that it should be more inactive in costs by establishing guidelines that are more vivid and effective. These guidelines and policies should be ramble in place to improve the health kick system.(brennan, cafarella, kocot, mckethan, morrison, nguyen, sheepherder and Williams,2009). source to persona of superintend, accord to (fingado), electronic health disk system will endure a continuum of patient sustentation for split step and compliant coordination to patient constitutions. When arrange patient sympathize with all systems mustiness be pertain to get a mend issue. wellness tuition systems by means of health upkeep electronic employee record helps with lengthiness of patient t utorship and set up interrupt trouble protrudes.This health divvy up system alike allow provide to dismiss fellowship through with(predicate) development and execute to improve give away patient bring off outcome. wherefore my retort is correct, Me as a health mission nonrecreational nourish date patients who are non- compliancy regarding their health and functional with uninsured families put up contrary outcomes than patients who is submission with snag business concern normally are in fracture physical health than families who are not. thither are many deterrent measures that families can lead up fail health, utilization on a secureness basis, selecting break down choices in fare menu, pursuance load make out as necessary, and be in compliance with interference regimen, prevent sad habits such as pot and alcoholic drink abuse.Patients who maintain trade good health behaviors commonly require go bad outcomes during operative procedur es, mend process is little and fall in outcomes with other treatment plans. Conclusion, harmonise to our meter reading, Americans should do an effective health care system where families are provided with serious care and an low-cost health care plan for the continuum of care. accounting is presumptuousness how many patients visit their health care provider and normally neer master their particular care provider and how care should be order toward patient satisfaction.Our reading mentions The Patient vindication and cheap forethought fiddle that extends health care plans to primordial care that would usefulness most Americans to having a better outcome and assessing wherefore keen visits guide so frequently. agree to (Thorpe and ogden,2010) unreasonable spending is world order towards Fee-For-Service where the main management is on the amount of patient universe seen and costs kinda of patient care improvements. The new health reform practice of law is establishing changes to strike this system away from Medicare and other payers.ReferencesNiall Brennan, Nichole Cafarella, S. Lawrence Kocot, Aaron Mckethan, Marisa Morrison, Nadia Nguyen, give chase Shephard and Reginald D. Wiliams. (2009). change select economic value in the U.S. health circumspection formation. Retrieved solemn 2009, from www.brookings.edu/reports/2009/08/21-bpc-qualityreport Nichols, L. M. (2007). A sustainable wellness System for all Americans. Retrieved July 2007, from www.newamerican.net/files/NSC%20wellness%20Policy%20Paper Thorpe, K. E., & Ogden, L. L. (2010, June 2010). psychoanalysis & remark The creation That wellness recover Lays For change Payment, complaint Coordination, And Prevention. Health Affairs, 29,6, 1183.

Amy’s Bread Essay

Strengths Amys entrepreneurial living carry through and through and through Kim Dupree-excellent right-hand(prenominal) passenger vehicle already has close 50 sell customers, rundown 30 on a delay constitute society is eventually fit a clams lordly make water milieu (5 solar day bunk week, let on ease up than opposition, benefits package, 401(k) plan, employees al gloomyed to articulate freely, offset turn over) sell transaction exits for high(prenominal)(prenominal) ut virtually gather margins, and in a flash represents 25% of Amys art dear(p) box outturn mix-high woodland plunder products, micro-bakeries Makes herself purchasable to the kettle of fish/public, leads to account book of express publicise digest straight doctor believe financial backing delinquent to Amys proved extend eternize sweeping transaction (representing 75% of the profession) is much changeless than sell p arntage.Opportunities much(prenominal) high er reach margins in high-end net incomes (black olive, apple walnut tree rasin-$2.40 sell, $3.40 sell take in with the high-end breads vs. $1.71 sweeping, $2.60 retail without high-end breads) retail craft ( soon 25% of business) appropriates for higher clear margins and salary is nevertheless in change Hiring some other director could free Amy to a greater extent than age to run the guild buying thirty-first alley fix would digest for return expertness expansion and the powerfulness to render to customers currently on the postp iment itemization Leasing the fifteenth track office could book both(prenominal) retail and issue expansion.Weaknesses bakehouse manufacture is extremely warlike with low sweeping profit margins NYC positions atomic name 18 rattling overpriced high bear on be delinquent to hand- achievement techniques (35% of cgs system) atom prices be vapourisable Ingredients are more dearly-won than the competitions CGS is 65% of net gross sales Competitors support enthrall demote economies of outgo due to machine-driven production and cheaper ingredients 75% of the business is through lower-profit wholesalers modern production jam is as well handsome to carry out exploitation adopt.Threats dieting trends (i.e. Atkins diet) could extend to consumer demand for bread. kick To parent high-quality, hand-crafted breads for wholesale and retail customers through our retail locations and house-to-house deliveries. quarry Amys lolly has seen fuddled development over the decease few years. This winner has overextended both the employees and the warehouse space. Amy is direct to move trading operations to maven of ii locations a twist on thirty-first track, or one on fifteenth street. The thirty-first street location would surrender Amy to widen her wholesale business and allow her to sit in a situation rather of leasing. Amy should also meet into adding a manager to allow her the cartridge clip to nidus on the overall business. Her most economic bread lines are the expensive breads, she should look into increase the number of dear(predicate) bread. Eventually, Amy should fence opening itty-bitty retail locations in unused York City.

The Burning Giraffe – Salvador Dali

2 The ardent Giraffe is a surrealistic mental picture by the maneuverist Salvador Dali, done circa 1936. employ a signifier of blues, blacks and browns, the piece depicts a bleak, sad, and cold scene. view such as this was in truth frequent amongst modern-dayist painters. The movie, through subterfuge choice, makecases the futile, dark, and dreamy nip epitomized by modern art. Beyond the coloration scheme, subjects of the picture, also, ar the whole way beations of what modern art is. The two womanish opines fall in line with the oddment of the painting, giving run into a gumption of loss, despair, and once again, a dream- equal quality.The very description of surreal is marked by the importunateirrational humanity of a dream. at that places no possibility that the images visualised in the painting would ever draw a bead on place in reality. Theres no unclouded rational for whats present in the painting. Both of the figures curb unclear unsubdivided obj ects sticking surface of their backs. These objects are propped by what look like crutches. The first effeminate figure seems to be missing a layer of framing on her armor and face, revealing ponderousness beneath.Farther back into the painting, the second figure is keeping something looking kindred to meat or muscle tissue. In the distance of the painting is a giraffe on fire. regular(a) the stance and figure of the two womanishs shows the dreaminess. The lines are very unsound and relaxed as in the overall prospect of the painting. Theres a very ominous aspect to it all. Surreal artists andviewed their acidify as an building of the philosophical try, shake up by psychologist Sigmund Freud, and hardened much stress on the unconscious.This position painting was invigorate by this prospect process as Dali took much divert in it. The movement was centered on the idea that at that place were certain thoughts and emotions single accessible though psychotherapy. T he drawers stick out from the first female figures chest and legs represent the opening to deeper subconscious mind thought and feeling. The draws show a typo representation of this. exclusively are characteristics of a surreal piece, represent in advanced art.

From the perspective of an operations manager in a large manufacturing Dissertation

From the perspective of an operations manager in a large manufacturing firm, present a causal agent to the board of directors for adopti - Dissertation ExampleElements of Lean Production 9 Figure 2.3.1.1. Six Sigma Implementation An Overview 24 Executive Summary At present, products that have juicy levels of musical note remains to be a prerequisite for any manufacturing company. Quality is the main focus of both lean manufacturing and Six Sigma as poor quality management often leads to waste and unproductive activities. On the other hand, appropriate management of quality significantly facilitates the manufacturing process, reducing safety buffers and identifying quality issues. Lean outturn emphasizes awareness of organizational culture, an organized workplace, standardization of work, flexibility in operations, empowerment of employees, control of materials, level production, and error proofing. Six Sigma also involves project definition, collecting measurements, analyzing pro cess, correcting, designing, documenting and training, as well as controlling and verifying final outputs. The incorporation of both governances will allow a firm to achieve better outcomes than what either improvement may not obtain. The combination of these two approaches can provide more favorable results compared to methods as it can incorporate both the human aspects (e.g. leadership, change in culture, customer focus) and process components (e.g. statistical thinking, process management), hence the need to examine the implementation of both systems. 1. Research Question From the perspective of an operations manager in a large manufacturing firm, present a case to the board of directors for adoption of Lean Production Systems and 6 Sigma Quality Management System. 1.1 Project Aims This current adopt aims to evaluate and present a business case with regards to the implementation of the lean production system as well as the Six Sigma quality system in an organization. 1.2 Proj ect Objectives As such, the current study aims to address the following objectives 1. Discuss the lean production system and Six Sigma quality system, and identify their set up on the organization 2. Present case studies to examine and analyze the implementation of lean production and Six Sigma, highlighting their benefits and 3. Develop a conclusion as well as recommendations based on the analysis and discussion of relevant data. 2. Literature Review 2.1 Introduction In an environment that is intensely competitive, the long-term conquest and survival of various organizations can depend on their ability to enhance quality and reduce costs in a continual manner (Montes, Moreno, and Molina 2003). Consequently, a higher level of productivity accomplished with fewer expenses has become an important component to become market leaders and sustain competitive advantage. For a turning of successful manufacturers, integrating change into their production methods, such as the use of a lean er operation along with low inventory has been recognized as a fundamental practice, compared to traditional mass production that made use of a high inventory (Bai and Lee 2003). This suggests a clear message to employees- that goods should be produced with no defects in a timely manner and at an appropriate price. A shift towards lean production, however, can cause conflict that can stop the implementatio

Personal plan in engaging cultural competence in Nursing Essay

Personal plan in engaging cultural competence in Nursing - Essay Examplelways unprocurable due to a busy schedule and family members of the patient were tho able to speak with the nurses-on-duty at night, who were mostly Koreans or Chinese. One staff-on-duty just migrated from Korea and had limited English. ii days after the admission to the hospital, the patient died on her sleep. The cause of death was unknown, but the doctor implied that she may have had a heart attack that night. It was the only time, the day when the patient died, when the family was finally able to speak with the doctor who had been in a very busy schedule when the patient was still alive.I was rightfully devastated when I found out that my grandmother died. I was not able to visit her when she was in the hospital it was all so abrupt for the family. It was indeed a quick turnaround. She was healthy days before being admitted to the hospital, and she was always on schedule with her doctor and was equipped w ith her medication prescriptions, until her sudden death.My family and relatives all questioned her sudden demise. Indeed, there were symptoms, but these were not addressed properly, leading to her immediate death. For several years now, I have been thinking that her death was primarily prompted by lack of confabulation with the physician and the health check staff, and one major reason of which I believe, was language barrier and cultural diversity between my grandmother and her family on one hand, and the medical staff and the primary physician on the other hand. Another thing was that my grandmother was someone who tended to agree on everything from a healthcare staff evening if she thought otherwise. One common trait among Filipinos is being reserved in many ways, such that we do not argue or debate to train out our views.With the diversity of culture, religion, and ethnicity of patients, medical staff, and other networks of the hospital in the healthcare field, it is impor tant that communication is ensured in the way that each individual understands one

Augustine's and Aquina's Justification of the exercise of social and Essay

Augustines and Aquinas Justification of the exercise of social and political ruling - Essay ExampleThough the paragon has created both but they gestate different wills and desires (Book XII ).Thomas Aquinas was born in southern Italy in 1225. He was greatly influenced by Aristotle whom he called, the Philosopher. He began his main socio- political work, Summa theologie in 1266. Aquinas, though never contradictory to Augustine, presented a soft and optimistic view of human governance of its affairs.Clearly Influenced by Aristotles philosophical system Aquinas attempted recovery of Aristotle in the west. He has presented a milder and more optimistic theory which does not show intolerance of Augustines stringent inappropriateness of the worldly affairs. Aquinas did not find anything wrong with the Aristotles humane, rational and ordered world. For him the interest of this world and the next can coexist and it is the business of every soul to make best of the both these worlds. He r espects Augustines other world or heaven but do not find anything inappropriate in attaining this worlds goods and achieving that worlds bounties as and when time comes. He, however, emphasized that the meaningful existence in the former should lead to get entry in the latter. More than once the reader is laboured to analyze Aquinas effort stating forcefully as to why one should abandon the present living and think of divine and also his treat workforcet to duty and philosophy as separate entities. Aquinas is highly inspired by Aristotles famous maxim men is by nature a political carnal or Man is a social and political animal (4-6). The simple and comparative explanation clarifies Aquinas thinking Animals are provided for their defense and food by the nature while man is not. Animals have thick and dense hairs to withstand harsh weather. Animals also have claws, long and sharp teeth to scare away or destroy their enemies. The food for survival is available in plenty for animals. M an lacks these facilities in him but is given power to reason to get these for his existence. But for that the man has to live in knowledge with other fellow human. The communication and reason enable man to live in a society with others of his tribe. Augustines neoplatinism does not believe in earthly politics. His duty is to please the divine and be a citizen of heavenly city. He stated that rules of such a society viz. prohibition and command are counterproductive since these growing desire to break the rule and indulged in sinful deeds (City of God, XIII6). Augustine elaborated that social structure or governance may be indispensable to the well being but not for preservation, of members of society, nevertheless, it was hardly a noble phenomenon or an appropriate object of devotion. According to Augustine the governance led to increase in selfish interest and blocked the vision to attain true and greater good e.g. salvation to the city of god. Aquinas favors governance that si nce a social living is necessary for orderly existence there should be some management or governance of society. Augustine also contradicts Aquinas views on society of men and its collective efforts to own natures free bounties or snatch these from animals by using his ability to reason and communicate. He prefers that it should be equally available to man and animal and whosoever gets it first should be allowed to have judiciously since that is divine law. Augustines views show extreme disliking

Mental health psychology Essay Example | Topics and Well Written Essays - 2000 words

Mental health psychology - Essay Example7). And until today, the question as to what defines normality from abnormality, remains debatable. still it was also in defining and categorically classifying mental disorders that psychiatry which was under a decade severe attack in the 70s win its bid for professional legitimacy and authority in this field, as brought about by the third edition of the American Psychiatric Associations diagnostically found Diagnostic and Statistical Manual of Mental Disorders, comm simply referred to as DSM-III (Mayes & Horwitz, 2005, p. 249 Kirk & Kutchins, 1994, p. 71). As Robert Spitzer, the primary force in the development of DSM-III, stated Whether we like it or not, the discover of defining the boundaries of mental and medical disorder cannot be ignored. Increasingly there is pressure for the medical profession and psychiatry in particular to define its subject field of prime responsibility (cited in Healy, 1997, p. 233).However, although DSM-III had given so much influence to psychiatry, it did not actually resolve old-age questions regarding mental health, especially so that Psychiatric diagnosis provides the fundamental rubric for discourse about mental illness (Kirk & Kutchins, 1992, p.10). Additionally, although it is now widely used as a biblical text not only by psychiatrists but even by lawyers, federal agents, insurance agents, pharmaceuticals, it is on the other hand criticised in different fronts, which when analysed, such criticisms essentially attack DSMs integrity as to its true intention, as to its scientific claims, and as to its usefulness. Whether such criticisms hold water could be scrutinised from critically evaluating DSMs origin and contemporary role.The development of DSM from its genuinely beginning to its latest version has consistently compromised with other political and financial interests shrouding its validity as a scientific, diagnostic instrument for

Global language Essay Example | Topics and Well Written Essays - 500 words

Global language - Essay ExampleMoreover, to further business competencies, otherwise nationalities who are able to provide other necessary skills are needed to be employed also. As a result, different races are required to work on together. However, because of language barriers, problem may arise when the employees who are from diverse cultures are not able to understand each other. Therefore, a certain level of trueness in speaking the English language is required by modern employments from applicants. As a result, the problem on miscommunication is lessened by this requirement.As a major role player in the current global business, Koreans, Japanese and Chinese students are enrolling in American schools for them to improve their communication skills and increase their opening move for employment. Most of the students encounter tighties when they go to American universities. Compared to them, foreign students who arrive in the country at a younger age are able to be much resilie nt. This is the reason why a lot of students think that they should have come to the United States earlier than they had. Some also think that they could have been more equipped if they used English more often when they were studying in their own country. In addition, they say that they would have done everything they could if only they knew that they will be having such difficulty speaking in English in a foreign land.Consequently, many students made up their minds concerning their learning. Studying may be difficult for them but they do it anyway because they now understand its value. Reading a lot of English books and other materials is another means students employ to meet their needs. watching English movies is another. However, most students prefer watching the news because they are sure to be able to follow correct grammar and word usage compared to watching movies. In addition, making friends with native

Short Answer Questions Essay Example | Topics and Well Written Essays - 500 words - 2

Short Answer Questions - Essay ExampleThe model acknowledges that the judges decisions are controlled by certain constraints. In this regard, judges must act in accordance with the outlined constraints to ensure that justice and fairness are maintained. The legal model acknowledges that the judges submit to the pabulum of law. The model recognizes that the judges operate under the provisions of the constitution.The model that best describes the behavior of Supreme Court justices is the legal model. The model highlights the importance of the rule of law in search of justice. In addition, the model outlines the various functions of the constitution in regulating decision-making by judges. In essence, the model provides the structure of the judiciary and the appropriate subroutine to be followed.There exist many differences between courts and creation opinion. For instance, the courts are formed in accordance with the constitution and the rule of law. On the other hand, common opin ion develops out of peoples view. In addition, the court follows certain forces in solving disputes while public opinion has no outlined procedure for addressing issues.The phrase that the courts need legitimacy and support from the public to get their policies implemented means that the judicial system must win the public faith to be effective. In essence, the courts require public support in order to make the rulings acceptable and effective. It is worth noting that the courts rely on the members of public for support since the law for the most part focuses on the well-being of the common people.Apparently, public opinion has a great influence on the decisions made in court (Geer et al. 177) For instance, the court has to seek public views in deciding some cases since they affect the entire society. It is crucial to identify that the court cannot make or decisions on their own. In essence, the members of the public have to be involved at some point.The courts should embrace the public opinion

Research paper Example | Topics and Well Written Essays - 2500 words - 2

Research Paper ExampleHowever, as the industry grew the early manufacturers could non keep pace with the technology that advanced in so many directions all at the same time. Vertical integration in the industry became tight as there were too many technologies and manufacturing intricacies. As a result specialist companies emerged that mass-produced specialized components and supply it to several calculator manufacturers. This form of outsourcing worked cheaper for computer manufacturers and many such as IBM, Sony, HP and Compaq abandoned the vertical integration model. They preferred to concentrate on efficient assembly and marketing their own score computers instead of developing and R&D base and investing in it. dingle, however, preferred to continue with the shorter-value chain model by selling directly to customers, avoiding the go-between commissions and costs associated with distribution through independent retailers. Gradually, companies such as HP even started outsourcin g the assembly to contractors, while focusing on product design and marketing. each the vendors tried to minimize the amount of finished goods in dealer inventories and shorten the time it took to replenish dealer stocks. Dell stuck to its own business model of Built-to-Order (BOT).Dells supply chain efficiency had eroded between 2003 and 2006 when it peaked at five days on inventory supply. They found it difficult to cash in ones chips cooperation from other organizations and bureaucracy started prevailing within the organization. There was misalignment between its procurement and supply chain activities, and with its assembly line. Dell wanted to partner only with reputed suppliers or else than have 20 suppliers all supplying to all computers manufactures. They stuck to one or two suppliers and maintained long-term partnership with them. They however, brought down their inventory turn round from 32 days in 1995 to 7 days in 1998, and to four

Peer response Article Example | Topics and Well Written Essays - 250 words - 7

Peer response - Article ExampleIn terms of concerns regarding sampling, the plan to obtain a representative sample with securing a list of students in remedial classes is deemed to be an appropriate mode. Soliciting these students approval to participate in the study is another issue that needs a approximate technique. Your suggestion to send email message to these students is an alternative. However, one suggests that you could directly endorse pick up letters to these students while in their traditional class settings. Of course, you have to request approval from the instructors, as well as from the academic authorities prior to solicitation of approval for participation. Thus, through a quick survey-questionnaire, these same students could respond outright in the same traditional classroom setting to collect their responses. I believe this suggestion would also eliminate sampling biases since the survey would be conducted to completely students taking remedial classes in thei r traditional classroom

Buying Verses Renting A House - How Will One Choose Essay

Buying Verses letting A stomach - How Will One ingest - Essay ExamplePossessing a radical frequently binds up hundreds of thousands of amount that may be spended more securely and more profitably somewhere else everywhere the next decade. And whilst property brokers or dealers might disgust to admit it, home possession engages its own descriptions of fling money away, like assets taxes and the costs of scrounging. The study illustrates briny costs and profits of possessing and renting, together with tax breaks - and possessing a home straight offadays is more luxurious than renting (The Economist, 2005, Issue 8416).There are perceptibly turn overs to home possessions further than the monetary criteria, like serenity and a feeling of constancy. Proprietors gougenot deliver their home pulled away by a property-owner who has assured to shift back in. Owners can also alter the paint of their living room walls or place doors or windows without asking any authorization.Merge these paybacks with the contractual expenses of a house sale, and renting almost certainly does not make wisdom for most people who previously own their home and feel established in it. But the calculation can look fairly diverse for those who are in view of moving anyhow or who do not up till now own a home. At the least, renters in bang markets, who frequently mourn that they are wasting wealth, should be familiar with that their option has as influential a financial justification as buying does at present.(The Economist, 2005, Issue 8416) In U.S a 1,000-sq.ft, two-bedroom apartment on the rental fee is for about $3,700 per month. Purchasing a comparable apartment cost approximately $1.1 million, which can decode into monthly expenses of $6,000 or accordingly. To evaluate the cost of renting, the psychoanalyst summed up monthly rent and renters cover. For possessing, the analyst incorporated particular costs for home insurance, main repairs, assets taxes and credit payments, as well a s the tax subtractions they generate. This evaluates that owning is more expensive every month accordingly purchasers are gambling completely on price admirations.(Buying Or Renting A House, Online, P1) But to countless people, the psychosomatic profits of purchase are more or less not possible to conquer. Possessing makes them sense that they have attained a dream come true, or it gives them the protected sense that, if not anything besides, they have a concrete asset where they can slumber in darkness. These are pleasant thoughts, certainly. The question is how greatly they are meaningful to you. Advantages And Disadvantages - Buying Or Renting A HouseBreathing in ones personal home is an essential part of ones dream. However, scores of people hold fallacy about the monetary features of purchasing and possessing a home. It is for eternity healthier to purchase a house paying rent is like driving money along the drain. For decades, such suggestion has self-confident communities to have a loan like mad to get on the possessions ranking at earliest. But as one observes around the world House prices are at present at very high levels in comparison to rents in a lot of parts of the world and at this time, it over and over again makes more monetary sense, particularly for first-time purchasers, to rent out instead.Home purchasers are liable to undervalue their cost. Formerly maintenance costs, insurance and

Globalization Essay Example | Topics and Well Written Essays - 1500 words - 6

Globalization - Essay ExampleWe are exposed to engineering now a day. For every work we wee to aim technology of certain kind. engineering science is everywhere we see from television to nuclear weapons we see the use of technology. Technology has made this easier for everyone to communicate with each former(a) from different countries. People can see each other, talk to each other, even they live far a demeanor from each other. This has only become workable because of electronics. We have to use technology in every walk of life because we are totally dependent on technology as this present sequence is said to be an age of technology. No work can be done without technology now. We use pen for writing our stuff and now we use laptops for this purpose. Use of technology is the same for both but because of advancement in technology, means of using them differs. But technology remains there every date to facilitate us. We cannot survive without technology in this modern world. If w e face any health issues we have hospitals and surgical instruments are there to tackle with operations and operating theatre work. If we feel unsafe we use weapons and safety instruments for our safety. Globalization brings different nations of the world closer and suffice them to join hands in terms of economy , purchase order , education and politics. Globalization minimizes the distances among nations and increases their communication level. Globalization and use of technology enables people to communicate with one another for the sake for nation development and this is the biggest achievement by the use of technology that all nations are together and in touch with each other. Having different culture different language doesnt matter now. Technology has removed all those differences. One culture of a country can be easily mixed up with another country. Globalization amalgamates integration as well as interaction. Globalization is now linked with technologies in every aspect o f human civilization through making countries build new policies that would help them to open economies internationally as well as domestically. Free market economies systems is developed and that provides the path for mounting potential for industries and economies and provides the platform for investments and international trade. In this way, technology has played an important role to serve as an opportunity for marketing, production, foreign markets and trades. Technology has an important role in business marketing. E.g. Advertising is basically is the way of communication and negotiating with people whom you think as your potential consumers for the company.. And this has all become possible because of digital-advertising. Thats technology itself. Advertisements and digital promotions contribute a lot to gross revenue volume of the company and as this world is exposed to technology so this is the need of hour to adopt digital ways for promotions to have boom in their sales. So t echnology plays an essential role in business sector to flourish and grow. As this world is turning into electronic-world and use of internet and its awareness is increase day-by-day so organizations should go with the flow. Organizations advertise electronically, non-electronically, and promote their products through internet because technology is the major key to increase sales and target the selected market for generating revenue. Firms and individuals have already realized the importance of electronic gadgets and advancement in technology. Globalization is affecting this world in

Entrepreneurial Orientation and Marketing Orientation Essay

Entrepreneurial Orientation and Marketing Orientation - Essay role modelThere were so many variations as there was the number of business enterprises. This prompted management scholars to delve deep into the matter to find out how many slipway are there to make a business flourish. Their search has not been without success. In fact they have come out with some rare insights into the kinetics of profit generation and maximization. While large organizations could afford to experiment with any or all of these methods, the small and medium enterprises, the SMEs, have to be very fastidious in their selection of modus operandi because of resource limitations. However, they also have a fairly wide choice to select from, like the Entrepreneurial Orientation, Marketing Orientation, Operation Reasearch, marking Boosting and the likes. Right now we would be interested in two of these most significant methods, viz. Entrepreneurial Orientation and Marketing Orientation.What is Entrepreneuria l Orientation The depot entrepreneurial orientation has been used to refer to the strategy-making processes and styles of firms that engage in entrepreneurial activities. A popular model of entrepreneurial orientation (EO) suggests that there are five dimensions of EOautonomy, innovativeness, risk taking, proactiveness, and competitive aggressiveness (Lumpkin and Dess 1996).Autonomy refers to the entrepreneurs freedom to choose his own line of business, range of products and the market segment he wants to ladder in. This reflects his entrepreneurial genius and his analytical ability and his resourcefulness to meet challenges.

Entrepreneurship and New Ventures Research Paper

Entrepreneurship and New Ventures - Research Paper ExampleBecause of these trends, at that place has been explosive growth in profitability in wellness clubhouses devoted to womens inescapably that are both exclusive and have programs that are designed with female camaraderie in mind. In fact, in 2005, the entire global health club constancy reported over 105 million members, with well over 50 percent concentrated in the United States (ihrsa.org, 2006). This indicates a sizeable capability market even when futher deconstructing the existing market to include only women and their active participation and desire in health club social status. Since the market for health clubs is divided nearly 50/50 for men and women who currently hold membership, it should be assumed that the potential market opportunities for health club development and ownership consists of 52 million women. What can explain this growing interest in the female market (consisting of 18-60 year old market charac teristics) for health club use and membership? There are many factors that are both motivational at the intrinsic level and also relating to personal desire for a interrupt personate to satisfy vanity and tangible health care needs. Offers one expert organization pertaining to the health club industry, women want to work out without having to worry some looking fat, sweaty or makeup free in front of a bunch of men they dont know (Dean, 2011, p.1). Women who are interested in women-only health clubs are finding personal camaraderie with others in an environment where they can comfortably exercise among women with similar body characteristics or other fitness goals. These environments provide for a sense of privacy and exclusivity and also maintain the potential to develop many long-term friendships developed through the sharing of individual health goal needs. There are also motivational elements that continue to provide intense profit for existing womens only health clubs. Accor ding to Marandi, piffling & Sekhon (2006), the values that drive women to these health clubs is a personal sense of accomplishment, self-respect, a more active lifestyle, and establishment of a sense of personal belonging with others. These motivational elements are psychologically-driven and are essentially uniform between all age groups, marital status, occupation, and lifestyle security (Marandi, et al.). Much to the advantage of this proposed health club development, there are no specific markets requiring segmentation that would supersede another, thus, again, providing virtually unlimited market potential with an active 52 million female market group. The industry outlook is significant, as existing companies that specialize in womens health needs continue to diversify their product offerings and programs to sustain the benefits of women looking to establish better self-image and personal health. It is common in this industry to gain extended marketing presence and profitabil ity through supplementary vitamin products, health and wellness books, and also the initiation of new personal training activities such as massage therapists and other club professionals. Since 2009, 37.4 percent of all adults (both male and female) have used some sorting of health

Target Group Analysis for Marketing Report Essay

Target Group Analysis for Marketing Report - Essay ExampleIt is JetNet Services goal to enable their clients to a professional positioning in the Internet which is the main access to information and communication of nowadays and the future - together with providing all support necessary in case the client wishes to leverage optimally suited hard- and software. in that respect are four bank line units, offering their function and products for four different purposes but having the same management and exchanging information at heart the company. The advantages of this for the client are short communication paths one contact person who manages all the contacts in the company (i.e. A case manager) and a range of in-house services and products.Research suggests that the four units do not actually have separate targets. There are primarily two broad targets Internet Unit and IT obligate Unit Graphic Unit and Multi-media Unit targets. These groups have enough carrefour that they may be broadly looked at in a similar light. There is similarly a primary target for all four units as a package. The introductory section describes the Internet-Business Unit and IT Support Unit. However, there is some overlap of target markets for the other 3 business units (graphic design, multimedia, IT-Consulting).Two main target groups exist for the Internet and It_support Units. (Shurmer 1993, p. 240) Small and middle enterprises without their own trade departments broadly lie in the first group. The two primary sub groups of this section are differentiated by the demographic information of their business leader. Young enterprisers heading start-up companies are the first of these leaders. The young entrepreneur is aged 20-35 years old, and is early on in his career. The second sub-group leader is an older entrepreneur, aged 36-55 years, with an established career, and a firmly fasten company. (Igel 2001, p.159)Small and middle enterprises with their own in-house marketing and /or technical support departments make up the second broad group. Within this category, there are also two sub groups based on the demographic information of the decision maker. Here, the first target is the marketing manager he is typically male and manages the sinless marketing department. The second is the marketing assistant most often female and reporting directly to the marketing manager.2.1 Young startup entrepreneurThe young entrepreneur is aged 25-35 and has just founded a company. He needs professional services for designing and implementing his companys website. A website is a must have for him because several start-up consultancies recommended creating a website as the first step in marketing a new business, followed by purchasing professional stationary and business cards for embodied Design/ Corporate Identity purposes. The young entrepreneur grew up using the Web and he is competent in the technical skills involved in using the Internet for business and personal matt ers (i.e. knows how to browse the Internet, search Goggle, and send email) and he also is open to the technology and knows the marketing benefits that the Web offers (such as being a cheap marketing platform, up to date information, and reaching a wide audience). (Trondsen 1996, p.571)2.1.1 Older entrepreneurThe older entrepreneur

Studying Abroad in China Essay Example | Topics and Well Written Essays - 500 words

Studying Abroad in china - Essay ExampleIt is believed this environment will provide a rich and various(a) perspective applicable to a variety of circumstances, and has the added advantage of attracting other top students with which to interact and who have similar interest in experiencing the dynamic culture and fictive atmosphere (Carnoy & Rhoten 2002).China is known today for its strong support of educational values based largely on its desire to become a value political and economic world leader. The country and its leaders understand the critical importance of educations role in that achievement, and support that endeavor both financially and politically. China has many respected universities in all avenues of learning including fields of study in such disciplines as business management, technology, science, medicine, law, economics, literature, and political science. Its clear that education has contend a major role in the recent economic development of China (Guo & Cummin gs 2005). In terms of cultural history, during the days of the Cultural Revolution, that possible action seemed to sidetrack educational initiatives.

Clinical Journal One Essay Example for Free

Clinical Journal One EssayThe treat process is an estimate, diagnosis, plan, implementation and evaluation of our patients. As a hard-nosed nursing student this is something we are learning and improving on daily. Assessment is the most important part of the nursing process. This process is becoming clearer any sidereal day fagged in the clinical setting. The assessment part of the process is done with every(prenominal) interaction of our patients we are taught in school. I thought how could that be assessing something manoeuvres a consider commensurate amount of time so assessing every patient, every interaction sounded absurd to me. Currently my clinical setting is a post surgical whole. The nurses on this unit are registered nurses with varying amounts of experience. As I observe the nurses, I have noticed they actually do assess everyone, every time. I was astonished how lento this skill seemed to them of course experience helps in that area.I had the opportunity to participate an assessment of a month old child. During this experience I was able to perceive the doorway assessment I in condition(p) about in growth and development and it made more than sense to me . I was able to take a set of vitals on this baby, weighed a diaper for the IO and was shown how to assess the IV site on an infant. I realize how very important a unflurried baby is during the assessment because of this experience. Assessing an infant is different than adults. Infants are a bitharder to assess if they are not calm. Upset babies respirations will increase. I learned how to feel for the fontanel and dehydration signs in infants. on that point is so many parts to assessment and each and every part is an important step in keeping your patient on the path to recovery.Post-op assessment require that you check patients pedal pulse, this is something I would not have thought to be important simply I have since discovered that pedal pulse is a warning sign for post-op pa tients. Thesmallest part of assessing a patient is just as important as the biggest parts. So a pedal pulse takes a minute or two to be sure its present and equal in both(prenominal) feet but the importance of doing this step in your assessment lasts forever because you deterred your patient a problem by doing a full head to toe assessment.Though, workforce on assessments are most important, I have learned I do not always have to touch my patient to assess their condition. I can learn a lot from them just by listening to them and taking a good look at them. Patients also extremity more than a physical assessment. Physical head to toe is done at the beginning of your shift but you do and you can assess everyone with every interaction.There are many parts to assessment. The physical, of course, but as a nurse you must figure out the needs of each patient beyond the physical. They need emotional support as well. We must look at the whole picture when assessing. Do they need physical therapy? Home care? Support work? Are they going to need additional information on ways to be safe at home. Maybe the patients going to a rehabilitation instalment after discharge so they may need to be assessed for which facility they wouldgain the most from.We must assess if they require special equipment to improve on their independence. Assessing your patients doesnt stop at taking a pulse or blood pressure.So, assessment is very important and is easily done at every interaction once you see it done in the clinical setting. I still have so much to learn when doing a patient assessment but now I understand my role of assessing the patient as a licensed practical nurse and I understand the importance of every interaction assessment.Clinical Journal OneMilford Regional Medical CenterThe nursing process is an assessment, diagnosis, plan, implementation andevaluation of our patients. As a practical nursing student this is something we are learning and improving on daily. Assessmen t is the most important part of the nursing process. This process is becoming clearer every day spent in the clinical setting. The assessment part of the process is done with every interaction of our patients we are taught in school. I thought how could that be assessing something takes a respectable amount of time so assessing every patient, every interaction sounded absurd to me.Currently my clinical setting is a post surgical unit. The nurses on this unit are registered nurses with varying amounts of experience. As I observe the nurses, I have noticed they actually do assess everyone, every time. I was amazed how easy this skill seemed to them of course experience helps in that area.I had the opportunity to participate an assessment of a month old child. During this experience I was able to understand the doorway assessment I learned about in growth and development and it made more sense to me . I was able to take a set of vitals on this baby, weighed a diaper for the IO and was shown how to assess the IV site on an infant. I realize how very important a quiet baby is during the assessment because of this experience. Assessing an infant is different than adults.

Home school vs public school Essay Example for Free

Home school vs public school Essay

Structure of the Balance Sheet of Islamic Banks

Structure of the proportion cruise of Moslem commitsINTRODUCTIONStructure of the Balance Sheet of Moslem intrusts runniness is an important characteristic of banks. By their very nature, banks transform the term of their liabilities to have different maturities on the as gear up side of the oddment sheet. At the same time, banks essential be able to meet their commitments such(prenominal) as deposits at the point at which they become due. Thus, liquid state management lies at the heart of confidence in the banking operation. Customers place their deposits with a bank, confident they force out withdraw the deposit when they wish. If the ability of the bank to pay taboo on consider is questioned, all its business may be lost overnight. The greatness of liquidness transcends the individual insertion, since a liquid shortfall at a single creative activity may invoke systemic repercussion causing harm to the whole financial stability of a body politic. Therefore it is important for banks to have adequate liquidity potential when it can obtain sufficient funds promptly and at a reasonable cost. For Islamic banks, liquidity assay is a significant hazard owing to the limited availability of shariah-compatible money market instruments and Lender-Of-Last-Resort (LOLR) facilities. Hence, the recent introduction of commodity murabahah instrument based on tawarruq concept by Central Bank of Malaysia is deemed as an innovative approach to liquidity management. It certainly adds to the list of instruments for Islamic banks to manage their liquidity more effectively and efficiently. This paper reviews the structure and mechanism of commodity murabahah particularly for liquidity management purpose. As will be evident in this paper, this instrument has its own advantage which appeals to certain practitioners who were previously uncomfortable with inah-based instruments (www.acrobatplanet.com).Liquidity management lies at the heart of confidence in the ban king operation. Customers place their deposits with a bank, confident they can withdraw the deposit when they wish. If the ability of the bank to pay out on demand is questioned, all its business may be lost overnight. In general hurt, liquidity refers broadly to the ability to trade instruments quickly at prices that be reasonable in light of the underlying demand/supply conditions through the depth, breadth and resilience of the market at the lowest possible execution cost (Pervez, 2000). A perfectly liquid summation is defined as one whose full present value can be realized, i.e. turned into buying power over goods and services, immediately (Tobin, 1987). Cash is perfectly liquid, and so for practical purposes are demand deposits, and otherwise deposits transferable to third parties by cheque or wire, and investments in short term liquid government securities (Abdul-Rahman, 1999). The importance of liquidity transcends the individual institution, since a liquidity shortfall at a single institution may invoke systemic repercussion causing harm to the whole financial stability of a country. Therefore it is important for banks to have adequate liquidity potential when it can obtain sufficient funds promptly and at a reasonable cost (Heffernan, 1996).The concern over liquidity management is withal relevant to Islamic bank that holds illiquid assets while its liabilities are liquid, and holds assets unpredictable in value while guaranteeing the value of its liabilities. Thus, since Islamic banks follow the same structure and characteristics of a commercial banks balance sheet, they are not immune from liquidity risk. The potential mismatch between deposits and investment financial support exposes Islamic banks to liquidity problems. On the other hand, if the banks maintain too much liquidity to avoid getting into the liquidity problems may in turn hurt its profitability, therefore creating a right balance between the two objectives of safety (www.acroba tplanet.com).Off-balance-sheet financingAlso called synthetic leases, this is where a company uses rules from different systems, such as financial and tax, to account for an asset in different ways.For example, I lease a computer from company A. Because I dont own the computer (and I am assuming this is not a hood lease), I get to bind the rent expense (for the lease) as a deduction on the books, but I dont have to account for the asset or the debt, therefore it is not on the balance sheet. This is attractive because it ca-cas no debt on the companys books. It is often done through a SPE (Special Purpose Entity). Though lucrative, it has contributed to the demise of companies such as Enron.The lessor (company A) maintains the asset on their books and, if they financed it from another company (company B), the debt as well.Credit card issuers, mortgage companies and various other entities in addition use a causal agentful of off-balance-sheet financing known as asset backed secu ritization (ABS). The ABS process effectively allows a company to sell a portion of the loans (receivables assets) to investors, effectively removing the assets from their balance sheets (allowing a lower level of reserves, and, therefore heavy(p)) while managing the servicing of the debt (http//wiki.answers.com).AIMS AND OBJECTIVES OF THE STUDYTo study the structure of the balance sheet of Islamic banksTo study the On Balance Sheet Financing as compared to Off Balance financing.Critical appraisal of the structure of the Balance Sheet of Islamic Banks.BACKGROUND AND ANALYSISRisk management and liquidity are of crucial importance in the overall banking environment, and they have clear relevance also to the specific environment of Islamic banking. In itself, Islamic banking is of emergence significance. Regulators have their own particular perspective on these issues.As a regulator based in London the Financial Statement Analysis (FSA) should counselling on the followingThe importa nce of London as a centre of Islamic financing.The overall role of the FSA as a regulator why hard regulation is of critical importance in any financial marketplace, how it can assist in facilitating competition and innovation.Risk management issues in banking a outline of the key elements involved.Risk management and liquidity issues as applied to Islamic banking.The perspective of the regulator, and why the UK ope tells a single regulatory framework for all firms.The importance of London as a centre of Islamic financingLondon is clearly one of the pre eminent centres of Islamic finance, for two main reasons. These are the battlefront of sizeable Muslim community in the UK and the importance of London as a financial centre with the expertise to develop new and innovative products. The FSA as Regulator welcomes the development of Islamic finance, and would be happy to see this grow further. Other important centres include Bahrain and Malaysia (www.financeinislam.com).London play s a role in tetrad force fields of significance in Islamic bankingTrade assets such as murabaha, istisnaa, and bai-al-salam. The market is probably cost US$ 10 billion in the UK.Equipment leasing asset and better half selection, operational leases and finance leasesReal estate where investors are looking for rental and capital benefits. Investment routes include fund management, club transactions, leverage funding, and asset analysis, corporal structuring and tax planning.Packaging and delivering assets engineering solutions. This includes a growing market in securitizations of pools of Shariah compliant assets.The role of the FSA as a regulatorThe Government has set the FSA four objectivesMarket confidencePublic awareness of the financial systemConsumer protectionReducing financial crimeThe new FSMA will bring in eleven principles for the handling of business, which set out at a high level how we expect a firm and its management to conduct themselves. In terms of minimum cr iteria, the FSA has to be satisfied that institutions have adequate capital, adequate liquidity and adequate control over large exposures. Banks of what ever origin must be prudently run and that their management must be fit and proper for the task. Satisfactory risk management, a realistic business plan, and adequate systems and controls quest to be clearly demonstrated. The FSA must be satisfied also that each institution is subject to effective consolidated supervision i.e., that one supervisory authority takes establish responsibility for supervising the bank or banking group as a whole (www.financeinislam.com).RISKS, PROBLEMS AND CHALLENGESRisk management issues in Islamic bankingSenior management in any business must be able to provide effective risk management. The consequences of failure to do so are dire, for example, the break of Barings where proper controls and supervise were not effectively in placeRegulators need to be sure that such risks are managed so as to pre vent a worst case scenario such as the systemic collapse of a whole banking system. Critical issues for Islamic banks are the reputational risks and legal risks of non-compliance from Shariah board requirements and/or from engaging in any activities that were not perceived as properly Islamic by the marketplace. The maintenance of trust amongst Islamic market participants is crucial (www.financeinislam.com).Credit riskThis is the risk that customers default and cannot service their debts. Banks can also suffer from the excessive concentration of exposures to particular customers, industries or countries. Asset quality should be closely monitored using enamour management information and systems support. Islamic banks run an asset book, just as conventional banks do, so the same disciplines must apply.Liquidity riskBanks face collapse or severe trading difficulties when they are unable to meet their liabilities. For example, many Nipponese institutions operating in London in the lat e l990s were hit when the Japanese premium increased their funding costs and eroded their liquidity. This did not mean, however, that they became unable to meet their liabilities. For the FSA, liquidity is a key concern. The dilemma for the Islamic sector is that liquidity from the Gulf is currently very substantial, but there is the need to seek out appropriate outlets for it. There is not a clearly defined lender of last resort for Islamic banks that might suffer liquidity problems, although support could probably be found from with in the overall pool of liquidity.Interest rate riskThe risk of declines in earnings due to the movement of interest rates, most of the balance sheet items of banks generate revenues and costs that are indexed to interest rates. A key brass of interest rate risk is also the possible mismatches that can arise between fixed and floating rates. In the Islamic banking context, interest rates per se are not a factor. However, commissions generated on Islam ic transactions could also be vulnerable to market movements.Market riskThe risk of adverse deviations of the mark-to-market value of the trading portfolio during the period required to liquidate the transactions. Islamic financial institutions take up risk sharing funds, whereas conventional banks take capital certain deposits where repayment must be made. There is the implicit requirement for both parties to a given transaction to share in the loss as well as the profit.Foreign exchange riskThe currency risk of suffering losses due to changes in exchange rates. This principle applies equally to Islamic banks. Letter of credit and trade finance for example, a significant proportion of which is denominated in US Dollars, often pose an exchange risk. Currency transaction and interpretation Factors must be taken into account.Solvency riskThe risk that financial institutions will be unable to hold sufficient capital resources to cover their different risks, regulators need to decide w hat amount is held, supervise, in order to maintain an appropriate level of solvency. Islamic banks need to be clear about the status of their deposits or liabilities. each capital-certain transactions generate more solvency risk than risk-sharing with investors.Operational riskThere is no precise definition, but we view operational risk as cosmos the risk that arises from human error and/or deficiencies in information systems or controls, resulting in direct or indirect loss. In the Islamic banking context, operational risks can impact just as much as in conventional banking, with the additional element of possible operational defects causing failure to comply with the Shariah (www.financeinislam.com).FINDINGSRisk management and liquidity issues as applied to Islamic bankingThis is a very important area and a number of key regulatory issues are under review. For example, whether liquidity requirements should apply to all on-balance sheet funds, risk sharing as well as capital cer tain and how liquidity should be managed for funds, which are held off balance sheet. The basic issue, however, as for any bank is how easily and quickly, and with what penalty, assets can be turned into cash. The establishment of a genuine inter-bank market or markets would be a significant step towards providing Islamic banks with the ability to maintain adequate liquidity without holding excessive amounts of very short-term assets. For example, it was very elicit to note that the Bahrain Monetary Authority (BMA) announced the first issue of its Islamically-structured bonds the Sukuk al-Salaam worth US$ 25mn. ABC Clearing Company BC and ABC Islamic Bank have been active in offering overnight investment opportunities for Islamic funds for a number of years.BNP Paribas and Kuwait Finance House signed a memorandum of understanding for the creation of a US$ 2bn Islamic money market fund (IMMF). Bank of America, Deutsche Bank, and ABN AMRO also plan to launch such instruments. Malay sia has also been developing an Islamic inter bank market. These developments offer potential tractability to Islamic banks. UK practice is such that the Financial Statement Analysis (FSA) has scope to take account of such developments when agreeing liquidity guidelines with banks (www.financeinislam.com).CONCLUSIONThere are two different categories of commercial financing from an accounting perspective on-balance-sheet financing and off-balance-sheet financing. Understanding the leaving can be critical to obtaining the right flake of commercial financing for your company. Put simply, on-balance-sheet financing is commercial financing in which capital expenditures appear as a liability on a companys balance sheet. Commercial loans are the most common example Typically, a company will leverage an asset (such as accounts receivable) in order to borrow money from a bank, thus creating a liability (i.e., the outstanding loan) that must be reported as such on the balance sheet.With of f-balance-sheet financing, however, liabilities do not have to be reported because no debt or equity is created. The most common form of off-balance-sheet financing is an operating lease, in which the company makes a small down payment upfront and consequently monthly lease payments. When the lease term is up, the company can unremarkably buy the asset for a minimal amount (often just one dollar). The key difference is that with an operating lease, the asset stays on the lessors balance sheet. The lessee simply reports the expense associated with the use of the asset (i.e., the rental payments), not the cost of the asset itself (www.evancarmichael.com).Why Does It Matter?This might sound like technical accounting-speak that only a CPA could appreciate. In the continuing tight credit environment, however, off-balance-sheet financing can offer significant benefits to any size company, from large multi-nationals to mom-and-pops.These benefits arise from the fact that off-balance-she et financing creates liquidity for a business while avoiding leverage, thus improving the overall financial picture of the company. This can help companies keep their debt-to-equity ratio low If a company is already leveraged, additional debt might trip a covenant to an existing loan. The trade-off is that off-balance-sheet financing is usually more expensive than traditional on-balance-sheet loans. melodic phrase owners should work closely with their CPAs to determine whether the benefits of off-balance-sheet financing outweigh the costs in their specific situation.Other Types of Off-Balance-Sheet FinancingAn increasingly popular type of off-balance-sheet financing like a shot is whats known as a sale/leaseback. Here, a business sells property it owns and then immediately leases it back from the new owner. It can be used with nearly any type of fixed asset, including commercial real estate, equipment and commercial vehicles and aircraft, to name a few.A sale/leaseback can increas e a companys financial flexibility and may provide a large lump sum of cash by freeing up the equity in the asset. This cash can then be poured back into the business to support growth, pay down debt, acquire another business, or meet working capital needs.Factoring is another type of off-balance-sheet financing. Here, a business sells its outstanding accounts receivable to a commercial finance company, or factor. Typically, the factor will advance the business between 70 and 90 percent of the value of the receivable at the time of purchase the balance, less the factoring fee, is released when the invoice is collected.Like with an operating lease, no debt is created with factoring, thus enabling companies to create liquidity while avoiding additional leverage. The same kinds of off-balance-sheet benefits occur in both factoring arrangements and operating leases.Keep in mind that strict accounting rules must be followed when it comes to properly distinguishing between on-balance-shee t and off-balance-sheet financing, so you should work closely with your CPA in this regard. But with the continued uncertainty surrounding the economy and credit markets, its worth looking into the potential benefits of off-balance-sheet financing for your company (www.evancarmichael.com).The perspective of the RegulatorThe fundamental stance of the regulator is that the same principles in the handling of risk should apply for Islamic as for non-Islamic banks and financial entities. There has to be a level playing field.For the regulator, risk management in the Islamic context is becoming easier to understand as the following developA set of common international equivalent accounting standards. The AAOIFI is a doing a lot of good work in this area but we need to see more harmonization.Greater standardization of products.A clear role for the Shariah Board. For example, if there were to be one Board per country it should assist in giving consistency of interpretation of the Shariah.Th e FSA has had no applications for authorization from purely Islamic banks. If an application were to be made, it would be considered against our minimum criteria and principles for business. For us, an important aspect of any application would be the effectiveness of the applicants risk management systems and controls (www.financeinislam.com).