Wednesday, November 27, 2019
Free Essays on Slavery Reparations
Slavery and Reparations Despite the fact that slavery officially ended over one hundred years ago, there remains discussions of owing slavesââ¬â¢ families reparations. Numerous articles, essays, and journals have been written arguing both sides of this important and controversial issue. In Jack E. Whiteââ¬â¢s article, ââ¬Å"Donââ¬â¢t Waste Your Breath,â⬠he argues against reparations. On the contrary, Vincene Verdunââ¬â¢s article, ââ¬Å"To Right an Old Wrong: Potential Defendants for Slavery Reparations are Still Around,â⬠defends and supports reparations. These two articles differ in there arguments, appeals and audiences, and credibility. First, the differences between White and Verdun appear in their arguments. White, an African American journalist for Time magazine, received his motivation for writing his article after reading David Horowitzââ¬â¢s list on why reparations are ââ¬Å"a bad idea for blacksâ⬠(White 573-574). White said he has tangled with Horowitz in the past. Even though White and Horowitz have different viewpoints on the reparations issue, White applauds Horowitz for making reparations a story worth fighting for (574). Whiteââ¬â¢s main claim in his article is that the argument over reparations is a waste of time. This belief, explains the title of his article. He claims that the issue is not worth debating. Also, he argues that the amount of money it would take to comfort his fellow African Americans is astronomically. White also claims that the white race will never pay (574). To sum up Whiteââ¬â¢s article, he is against reparations; and believes they will never happen. In contrast of White, Verdun supports reparations for slavesââ¬â¢ families. Verdun is an associate professor of law at the Michael E. Moritz College of Law (Verdun 23). In his essay, Verdun addresses the question of who should pay for reparations. Verdun states, ââ¬Å"I agree that no slave masters are alive to pay the debt of slavery in America. However, the governme... Free Essays on Slavery Reparations Free Essays on Slavery Reparations Slavery and Reparations Despite the fact that slavery officially ended over one hundred years ago, there remains discussions of owing slavesââ¬â¢ families reparations. Numerous articles, essays, and journals have been written arguing both sides of this important and controversial issue. In Jack E. Whiteââ¬â¢s article, ââ¬Å"Donââ¬â¢t Waste Your Breath,â⬠he argues against reparations. On the contrary, Vincene Verdunââ¬â¢s article, ââ¬Å"To Right an Old Wrong: Potential Defendants for Slavery Reparations are Still Around,â⬠defends and supports reparations. These two articles differ in there arguments, appeals and audiences, and credibility. First, the differences between White and Verdun appear in their arguments. White, an African American journalist for Time magazine, received his motivation for writing his article after reading David Horowitzââ¬â¢s list on why reparations are ââ¬Å"a bad idea for blacksâ⬠(White 573-574). White said he has tangled with Horowitz in the past. Even though White and Horowitz have different viewpoints on the reparations issue, White applauds Horowitz for making reparations a story worth fighting for (574). Whiteââ¬â¢s main claim in his article is that the argument over reparations is a waste of time. This belief, explains the title of his article. He claims that the issue is not worth debating. Also, he argues that the amount of money it would take to comfort his fellow African Americans is astronomically. White also claims that the white race will never pay (574). To sum up Whiteââ¬â¢s article, he is against reparations; and believes they will never happen. In contrast of White, Verdun supports reparations for slavesââ¬â¢ families. Verdun is an associate professor of law at the Michael E. Moritz College of Law (Verdun 23). In his essay, Verdun addresses the question of who should pay for reparations. Verdun states, ââ¬Å"I agree that no slave masters are alive to pay the debt of slavery in America. However, the governme...
Saturday, November 23, 2019
SAT Scoring - Find Out What Your Score Means
SAT Scoring - Find Out What Your Score Means An SAT score is the score awarded to students who have completed the SAT, a standardized test administered by the College Board. The SAT is an admissions test commonly used by colleges and universities in the United States.à How Colleges Use SAT Scores The SAT testsà critical reading, mathematics, and writing skills. Students who take the test are given a score for each section. Colleges look at the scores to determine your skill level and readiness for college. The higher your score is, the better it looks to admission committees who are trying to determine which students should be accepted to their school and which students should be rejected.à Although SAT scores are important, they are not the only thing that schools look at during the admissions process. College admissions committees also consider essays, interviews, recommendations, community involvement, your high school GPA, and much more.à SAT Sections The SAT is split into several different test sections: Reading Testà - This portion of the exam includes command of evidence, words in context, and data analysis questions.à Writing and Language Testà - The questions on the SAT Writing and Language test your ability to analyze writing and correct writing errors. Questions focus on word choice, organization, impact, evidence, and standard English conventions. Math Testà - This section of the SAT asks questions related to algebra, data analysis, and advanced math (complex equations, geometry, trigonometry). à Essay (Optional)à - Students can take the SAT or the SAT with Essay. In other words, the essay is optional. Before you decide not to do the essay, though, you should know that some colleges and universities require SAT essay scores as part of the admissions process. SAT Scoring Range SAT scoring can be very hard to understand, so we are going to take a closer look at how each section is scored so that you can make sense of all of the numbers. The first thing that you need to know is that the scoring range for the SAT is 400-1600 points. Every test taker receives a score in that range. A 1600 is the best score you can get on the SAT. This is what is known as a perfect score. Although there are some students that get a perfect score every year, it is not a very common occurrence.à The two main scores that you need to worry about are: Evidence-Based Reading and Writing Score: The EBRW score combines your scores from the Reading Test and the Writing and Language Test. Your EBRW score will range from 200-800 points.à Math Score: The math score ranges from 200-800 points.à If you decide to take the SAT with Essay, you will be given a score for your essay as well. This score ranges from 2-8 points, with 8 being the highest possible score.
Thursday, November 21, 2019
The Challenges That Induce Unfavorable Conditions Assignment
The Challenges That Induce Unfavorable Conditions - Assignment Example Deida, in his book, ââ¬ËThe way of the superior man,ââ¬â¢ notes that men positively convert challenges into growth. He explores a positive perspective of growth that stimulates individuals to works towards realizing their potentials. This is one of the ways in which challenges helps people to grow. When faced with a challenge, a personââ¬â¢s weakness is exposed to him and to the society by extension and this may trigger an initiative to cover the weakness by solving it. Challenges, therefore, stimulate growth by initiating improvements (Deida, p. 61). Challenges also form the basis upon which developments can be built, especially among people with positive attitudes. A person with a positive attitude particularly identifies a challenge with the notion that the challenge can be solved. Such individual, therefore, explores avenues into generating solutions to challenges a move that identifies challenges as an avenue towards growth (Emmerling, Ghanwal and Mandal, p. 42). Exploration of the story, ââ¬Ëgraduation,ââ¬â¢ directly expresses growth through challenges. The main title of the book that conveys the authorââ¬â¢s themes for example talks of the singing of a caged bird. While the bird faces a challenge of loss of freedom, its condition prompts it to sing in an attempt to find help out of the cage. The author also directly illustrates the impacts of poverty, as a challenge, towards innovation and hard work. While the rich could easily afford clothes for the graduation ceremony, the poor class developed initiatives having presentable clothes. Similarly, the narrator explains how her mother made her an outstanding garment from what they could afford.à Such an initiative was prompted by her familyââ¬â¢s financial challenge. The narratorââ¬â¢s high ambitions to success were also most likely inspired by the level of poverty in their family.
Tuesday, November 19, 2019
Article Review, Scaffolding Essay Example | Topics and Well Written Essays - 750 words
Article Review, Scaffolding - Essay Example A qualitative research approach was used for the program. A phonemic awareness lesson taught by a preschool teacher was taken for analysis which showed that children picked randomly were unable to comprehend or understand phonemics of words. Several factors, such as socio-cultural, non-understanding of the teacherââ¬â¢s instructions, or of the words used or what they are exactly required to do, could be the reason for the silent responses of these children. Hence support systems that could be provided by the teachers were worked upon which lead to devising the scaffolding method of creating phonemic awareness, which is reviewed in this article. Through the process of scaffolding teachers provide a support system, through comments and instructions, to children to complete a given task. It is not a random assignment process as it is tailor-made for each child depending on their inherent ability to perform the task. Keeping in mind the outcomes that could be expected from children wh o have varying grasping and performing abilities, three levels of scaffolding have been proposed. Beginning with children who have the least ability to grasp what is being told up to children who have a good grasping power, each level in scaffolding provides specific help to the children until the desired result is obtained. The authors have provided a transcript which outlines how the three levels of scaffolding have been used with children in a preschool classroom. However the effect size in this study is too small to ascertain the reach of this process among children. The three levels of scaffolding explained in the article include: intense, moderate and minimum. In the case of intense scaffolding the beginning phoneme is isolated and the teacher emphasizes on the phoneme while saying the word. In addition the teacher also instructs the children to watch them as
Sunday, November 17, 2019
Chinua Achebe Things Fall Apart Essay Example for Free
Chinua Achebe Things Fall Apart Essay He had a slight stammer and had no patience with unsuccessful men. Okonkwoââ¬â¢s fears were becoming like his father, Unoka because his father was a failure. The characteristics of his father was his father was poor and his wife and children had barely enough to eat and people laughed at him because he was a loafer and they swore never to lend him money again because he never paid it back. Unoka was inactive, deprived, wasteful, weak, moderate, and always very fascinated in music and conversation. Okonkwo on the other hand was the total opposite of his father, he just married his third wife, he was a wealthy farmer and had two barns full of yams last but not least he had taken two titles and had shown incredible prowess in two inter-tribal wars. 2. Kola is a stimulant, comparable to very strong tea or coffee, which is served on most social occasions in this culture. It is also one ingredient after which Coca Cola is named. Note how the ritual for sharing kola is described without being explained. Why do you think Achebe does this? He will continue to introduce Ibo customs in this fashion throughout the novel. * Achebe describes kola without explaining it because he wants the reader to know that Kola nuts plays a big part in the African culture due to the fact that in the book it states ââ¬Å"He who bring Kola Nuts brings lifeâ⬠. Kola Nuts is to be presented to the titled man or a village head. This plays a very important social and ritual role in the Igbo culture. The kola-nuts are the highest symbol of Igbo hospitality. Whenever a kola-nut appears in a gathering, the matter to be discussed at that particular time is regarded as very important. When an important guest visits the community, kola-nuts are brought out and handed to the elder person. 3. One becomes influential in this culture by earning titles. As with the Potlatch Indians of our region and many other peoples, this is an expensive proposition which involves the dispersing most of ones painfully accumulated wealth. What do you think are the social functions of such a system? I believe the social functions of such a system is to show your people how far you have come as a person and how successful you are. So the more money that you spend it shows people how victorious you are. If you just have a regular old party without putting much money into it you arenââ¬â¢t that successful in other peopleââ¬â¢s eyes. 4. One of the most famous lines in the novel is proverbs are the palm-oil with which words are eaten. What does this mean? Palm oil is a rich yellow oil pressed from the fruit of certain palm trees and used both for fuel and cooking. Look for other proverbs as you read. Cowry shells threaded on strings were traditionally used as a means of exchange by many African cultures. The villages distance from the sea makes them sufficiently rare to serve as money. Cowries from as far away as Southeast Asia have been found in sub-Saharan Africa. * This important quote shows how the Igbo people use their art of rhetoric so plainly. The quote shows how our lifestyle is one of fast-paced conversations, yet the Igbo prize conversation as an art form. That art form shows how the Igbo people use rhetoric so plainly. We all know proverbs are meant to be well thought-out and intentional but not quickly digested and forgotten. In the quote the metaphor suggests that words are organized by proverbs for digestion. Palm oil was a common form of cooking oil, and many foods were prepared with it for use. For that reason, proverbs are the source by which words or conversations are made. The same value that they place on food, the nourishment of life, to words, the sustenance of communication and for these reasons the community.
Thursday, November 14, 2019
Essay --
For as long as we can remember, many people have been experiencing hardships and worries, with little to no income being one of the largest. In the U.S there are a few programs that can help populations facing these difficulties obtain imperitive things they need. One of these benificial programs is WIC. WIC stands for Women, Infants and Children; and is a special supplemental nutrition program that targets nutritionally at risk mothers infants and children, due to low income. The program helps aid families in the effort to provide nutritious foods, information and counseling on healthy eating, and to provide referrels to other healthcare and government benifit programs like welfare and social services. (Food and Nutrition service, 2013) The history of WIC dates back to the 1960s when many americans were suffering from malnutrition due to low income. In 1969 the nations concern with malnutrition, especially in mothers and children had greatly increased and the USDA established a commodity supplemental food program that would benifit pregnant women, infants and children. the legistlation formerly authorized the special supplemental food program as a 2 year pilot program in 1972 by an ammendement to the Child Nutrition act of 1966, and in 1975 WIC was established as a permanent program. (Oliveira, Racine, Olmsted, & Ghelfi, 2002) The purpose of the WIC, as stated before is to improve the health of nutritionally at risk women infants and children through adequate nutritional help. According the the USDA Wic has improved birth outcomes with longer pregnancies, higher birth weights, lower infant mortalities, and more mothers receiving prenatal care. Also the improvement of savi... ...e volunteer opportuities consist of answering phones, filing chats, greeting wic participants, and reading and conducting activities for children while their parents are occupied. The requirements include being able to read and write, ability to work well with others, enjoy working with families and children receiving wic and sensitivity to cultural diversity. (Wic office, 2014). The benifits of volunteers are lower administration costs, stretching resoures, and increasing the quality and quantity of the services that re provides to participants. Furthermore the community greatly benifits from Wic in that participants are healthier with the nutritional assistance and healthcare referrels that the program supplies. There are also a large amount of savings in healthcare costs as a result of prenatal and postpardum care for mothers which makes for healthier babies.
Tuesday, November 12, 2019
An invesigation of the contribrution
Over the years, there have been many definitions of insurance but the most accepted definition is that given by ALAN WILLET in 1901. He defined insurance ââ¬Å"As the accumulation of reserves for the purpose of contingenciesâ⬠. Thus it is a business activity wherein some people or parties who are subject to certain risk pay monthly or yearly premium to an insurance company to transfer the burden of such risks.Insurance also may be defined ââ¬Å"as a contract whereby a person called the insurer or the assure agrees in consideration of money paid to him called the premium by another person called the insured or assured to indemnify the latter against losses resulting to him on the happening of certain eventsâ⬠¦. J. O. Rusk (1991)â⬠. The origin of insurance initially had a connection with ships and cargoes achieving a spread of risk.This origin dates back to as early as BBC (carter, 1991) when the ââ¬Å"Babylonians developed a system of loans on maritime ventures whereb y the loans were not repayable in the event of the loss of the ventureâ⬠, to the emergence of modern insurance development which owes its credence to Great Britain, though insurance Ewing introduced into Britain by the Lombard in the 14th and 1 5th centuries (Cooker, 2002). Insurance is an intangible service paid for and received at a future date.The technicality of insurance makes it obvious for uneven incidence of risks when there are infinite numbers of identical risks. It is also a risk transfer mechanism which provides enormous benefits to the individual/organizations (both profit and non- profit), government and socio-economy at large. Every individual or organization is faced with the likelihood of a loss, injury, destruction of life or properties; hence, it is asserted that ââ¬Å"Risk is concomitant of lifeâ⬠(Chipolata 2006). In other words, risk is unavoidable.Since It is a form of risk management primarily used to hedge against the risk of a contingent, uncerta in loss, it is therefore because of the liability of an organization to predict the future that insurance is purchased. 1. 2 DEFINITION OF RISK The term risk is a simple notion which cut across a layman's definition to the technicalities of business practices. When someone states that there is risk in a particular situation or context, be it business or an event, the ordinary listener understands what it means on the face of it. What then is Risk?This question can easily be answered by adopting a generally accepted definition of Risk by a renowned scholar, Dry Matthias G. Healer. He defines it as the possibility that positive expectation of a goal-oriented system will not be achieved (uncertainty) and this will be due to either certain human or inhuman factors. Furthermore, risk refers to the uncertainty that surrounds future events and its outcomes. It has an expression which looks again at likelihood and impact of an event with the potential to influence the achievement of organiz ations objectives.When ââ¬Å"riskâ⬠is said to exist, there is also the likelihood that expected results may not match those results hoped for I. E. A deviation. Benjamin Franklin in his book observed that in this world nothing can be said to be certain, except death and taxes. Yet there is some uncertainty about those two phenomena: no one can be sure when he/she will die, and tax rules and rates are frequently changed. In fact, the whole of life is surrounded by uncertainty. In some situation uncertainties are within the control of individuals or firm, others are part of the environment in which our lives operate.However, the word ââ¬Ërisk used here changes. Insurance is an unsought good and the uncertainty in future events is what is being insured. Insurers' profitability in any portfolio depends largely on the frequency, the severity of its impact and its final results (uncertainty). Uncertainty is not merely a dimension of threats, hazards and risks but opportunities w hich if anticipated may result in a reward. The risk is the thing which is insured, the insured peril, the expected claims cost for any given policy, or as a general term for unwanted and uncertain future events. 1. 3 RISK MANAGEMENT AND INSURANCEOrganizations had long practiced various parts of what has come to be called risk management. Risk management is attempting to identify and manage the threats that could severely impact or bring down an organization. The management of risk is a fundamental aspect of entrepreneurial activity. Entrepreneurs manage the risk of accidental loss by weighing the costs and benefits of each alternative. In a structured risk management process, this involves: 1. Identify and analyze the loss exposure. 2. Formulate alternatives to dealing with such exposure 3. Select the apparent best techniques to treat exposure .Implement the decisions made 5. Monitor the effectiveness of the decisions implemented. Those who do not apply a structured process still m ake decisions about risk, although sometimes by default rather than design. For industrial or commercial firm, the objective of risk management may be to maximize profits, or to increase revenue, net worth or perhaps market share over some period, or to achieve a combination of several objectives, or Just to stay in business. Managing a multitude of internal and external risks is one of the most significant challenges facing organization set up today.Insurance serves a number of valuable functions that are largely distinct from other types of financial intermediaries. In order to highlight specifically the unique attributes of insurance, it is worth focusing on those services that are not provided by other financial services providers, excluding for instance the contractual savings features of whole or universal life products. The indemnification and risk pooling properties of insurance facilitate commercial transactions and the provision of credit by mitigating losses as well as th e measurement and management of non diversifier risk more generally.Typically insurance contracts involve small periodic payments in return for protection against uncertain, but potentially severe losses. Among other things, this income smoothing effect helps to avoid excessive and costly bankruptcies and facilitates lending to businesses. The scope of an economy's insurance market affects both the range of available alternatives and the quality of information to support decisions. For example, a manufacturer might produce only for the local market, forgoing more lucrative opportunities in distant markets in order to avoid the risk of losing goods in shipment.Transport insurance can mitigate this loss exposure and enable the manufacturer to expand. Similarly, to avoid the risk of total loss from drought, a commercial farmer may keep half of his seed in reserve. 1. 4 INSURANCE CONTRIBUTION TO AN ORGANIZATION Insurance through effective risk management contribute specialized expertise in the identification and measurement of risk. This expertise enables them to accept carefully specified risks at lower prices than non-specialists. They also have an incentive to collect and analyze information about loss exposures, since the more precisely they measure the cost of risk, the more they can expand.Over the years, the realization of risk management with the help of insurance has contributed enormously in achieving organizational goals severally. For instance, 0 It guarantees as far as possible, that the organization will not be prevented from pursuing its other goals as a result of losses associated with pure risks. 0 It contributes to profit by controlling the cost of risk for the organization 0 It can also reduce expenses through risk control measures (insurance) and as such increasing income.As a result, the insurance market generates price signals not only to manufacturing sector but to the entire economy, helping to allocate resources to more productive uses. In surers also have an incentive to control losses, which is a significant social benefit. Most fundamentally, the availability of insurance enables risk averse individuals, entrepreneurs and organizations to undertake higher risk, higher return activities than they would do in the absence of insurance, promoting higher productivity and growth. . 5 PROBLEM ANALYSIS All manufacturing companies are set up with a primary objective to produce goods that meet the needs of their customers and also to maximize profit. In the process of manufacturing goods the company is often exposed to varying and diverse risk(s) which affects all the factors of production. In as much as these factors are exposed, the logical conclusion is that the income of the company is threatened.Human lives are exposed to industrial injuries which sometimes end up in death, permanent or temporary disability, properties could be destroyed through fire out break or explosions, and liabilities could be incurred arising fro m the consumption of the product. When less emphasis is placed on these loss exposures, it will definitely lead to the demise of the company. This project therefore, will look at the effect of insurance in manufacturing sector and also whether manufacturing companies who place major significant on insurance are successful in their total business effort all other things being equal. . 5 PURPOSE OF STUDY As earlier mentioned, the aim of any manufacturing company is to maximize profit and ensure customer satisfaction. It is quiet obvious that in carrying out production the organization is exposed to so many risks. This study is focused on the effect of insurance in manufacturing these products, in essence, how risks that could not be voided, minimized, reduced or retained can be transferred to insurance companies while the organization focuses its attention to its real business. Our study seeks: 1. To find out how risks/ loss exposures has been managed in Banana breweries 2.To examine the effect of insurance in the development of the organization (Banana Breweries) as a case study 3. To examine risks that they have managed by way of transfer to insurance and how adequate are the various insurance covers. 4. To consider the extent to which insurance has contributed to the attainment of the corporate goals of Banana Breweries 5. To make policy recommendations on how insurance will assist to further develop Banana Breweries, GAMBLE, and The Gambia. 1. 6 RELEVANT RESEARCH QUESTIONS The research exercise is set out to answer the following questions: 1 .What is the level of insurance awareness in the manufacturing sector of The Gambia 2. Does insurance enhance corporate development 3. Has your company ever sustained any unusual, large or unique losses either insured or uninsured 4. Is insurance an effective risk transfer mechanism. Due to time and other constraints, the researchers had to narrow the scope of their duty to Banana Breweries co. Ltd and Gamble in The Gamb ia. The study shall focus on the effect of insurance in the above listed companies as well as its benefits.It will assist the company to continue appreciating the role that insurance plays in their activities, and also serve as a means of reviewing improvement measures in place which hopefully will bring about uncovered areas of loss exposures to their operations. 1. 9 SIGNIFICANCE OF STUDY All manufacturing companies exist to ensure that the shareholders maximize their wealth. Companies therefore undertake economic activities for profit. However, in heir pursuit of this venture all the factors of production are exposed to one risk or the other.Those study is primarily laying emphasis on the essence of insurance which will significantly aid the manufacturing concern to achieve their broad objectives, through a well coordinated and scientific measurement and assessment of the various risks that the manufacturing company is exposed to. The study will assist the company to continue app reciating the role that insurance plays in their activities, serve as a review of existing measures in place and hope to bring out uncovered areas of risks to their operation.
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