Insurance Derivatives Futures Contracts Essay

Insurance Derivatives Futures Contracts Essay Insurance: Derivatives Futures Contracts Essay What are derivatives? A financial derivative is an instrument whose value depends on the performance of another (the underlying) asset. For e.g, stock option 5 major types of derivatives 1. Futures 2. Options 3. Forward contracts 4. Options on Futures 5. Swaps Uses of derivatives Futures Contracts Definition: A contractual agreement, generally made on the trading floor of a futures exchange, to buy or sell a particular commodity or financial instrument at a pre-determined price on a pre-determined date in the future. Long Position: Means you have purchased a futures contract. Allows you to buy the underlying instrument. Short position: Means you have sold a futures contract. Obligated to sell the underlying instrument at a predetermined price. Futures Price (Delivery Price): The pre-determined price. Maturity Date (Delivery Date): The pre-determined date. Usually a window of days (2-3 weeks) If today you purchase an October Orange juice futures contract for $1 per gallon. You are agreeing to pay that specified price when the contract matures in October. It doesn’t matter how much the price of orange juice changes, you will only have to pay $1 per gallon for the orange juice. Money swaps hands when contract matures and delivery is received. Underlying instruments 1. Commodities – agricultural, metals, energy 2. Financial – interest rate, currency, index 3. Nonconventional- snowfall, weather, water, single-stock futures Single stock futures- a futures contract on individual stocks. A one Chicago single stock futures contract is an agreement to deliver 100 shares of a specific stock at a designated date in the future called and expiration date Futures Trading 1. OTC 2. Futures Exchanges a. 24-hour- globex for international trading. b. Membership- floor traders (trade for their own accounts) and floor brokers ( trade for others and earn commission). Floor brokers use trading pits. c. open-outcry and

Annual and Anniversary

Annual and Anniversary Annual and Anniversary Annual and Anniversary By Maeve Maddox A non-native English speaker wonders about this use of the word anniversary in a business communication: The prices and products below are based on a 36-month contract, free unit and free installation. Tracker experiences an across-the-board anniversary increase (inflation based) every October. The reader comments, I cannot remember ever seeing â€Å"anniversary† used in this context. I would have expected a word such as â€Å"annual.† The usage sounds odd to a native speaker as well. Both words, annual and anniversary, derive from the Latin annus, â€Å"returning yearly.† Anniversary entered the language as a noun in the early 13th century with the meaning â€Å"day of a person’s death.† In church use, anniversary came to be used attributively in the phrase â€Å"anniversary days,† dates on which saints or martyrs were celebrated. Annual came along as an adjective about 150 years later in the context of paying an â€Å"annual wage.† Although both words can function as either noun or adjective, in modern usage, anniversary is used primarily as a noun and annual as an adjective: The Queen to celebrate the 70th anniversary of VE Day at a Westminster Abbey service with veterans   Penguin Celebrates 80th Anniversary Annual price increases are common in B2B [business-to-business] subscriptions. The  Annual Picnic  is usually a purely social event, and everyone is encouraged to attend. Although both words refer to a yearly event, anniversary carries connotations of celebration and remembrance, whereas annual is a workaday word meaning â€Å"occurring once a year.† In observing an anniversary, one might speak of â€Å"an anniversary celebration† or â€Å"an anniversary dinner,† but in a business context, it’s more idiomatic to speak of â€Å"annual meetings† and â€Å"annual price increases.† Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:7 Types of Narrative ConflictCapitalization Rules for the Names of GamesHow to Punctuate Introductory Phrases

Drag racing in Terre Haute Assignment Example | Topics and Well Written Essays - 750 words

Drag racing in Terre Haute - Assignment Example Nonetheless, I felt that we should have done more research before going to participate in the sport but we were too keyed up to be bothered. I hardly slept Thursday night as I anticipated the next day’s turn of events. Come Friday night and we were all geared up with our own street cars to take part in the race. Our excitement was however dialed down when we had to read the rules concerning the race. Any slight error could lead to disqualification. It was here where I learnt that drag racing was a type of motor vehicle racing where vehicles usually compete in sets of twos to cross a finish line that was set. The race followed a straight course that was short over a distance that was measured. Some of my friends were a bit disappointed with this information since they had hoped it would be a race like that of the world’s greatest drag race which involved more than ten vehicles at a time. Some even opted to be spectators in lieu of actual racing. I learnt that before a race began, each driver was given the permission to perform what was known as a burn out. This allowed the tires to heat in order to put down the tire’s rubber at the start of the track which helps improve traction. Both drivers then lined up at the starting point. I also learnt that the races were all started using an electronic system known as a Christmas tree. It consisted of six light columns for each driver. Three were amber, one blue, one green and a red one. They were all connected to beams of light on the race track. There was the blue light which was split into two halves. A vehicle’s front tires were what would break the light beam and would light up the blue light’s first half, staging the vehicle at the starting point which would then light up the blue light’s second half. Once there was this staged beam from the first competitor, the Christmas tree was automatically activated. The opponent then had less

Counseling Essay Example | Topics and Well Written Essays - 2250 words

Counseling - Essay Example This is because the process of being sick includes other aspects of health which is not an individual event alone but also concerns the family and social relationship. When one member of the family is ill, it is normal for the other members to be likewise affected more so, when the illness entails long term care. Thus, becoming ill and recover from it is a challenge. Being sick may lead to many adverse reactions which may further contribute to the process of the illness and recovery. It creates a change in the environment of the patient affecting her behavior. How the patient behaves during the duration of illness is a strong contributory factor in coping with the illness. With this situation, counseling the patient is deemed empirical. However, before counseling commence, case analysis of the patient should be carried out. Analysis of the patient’s experience of illness includes examining the progress of the illness and the process of recovery identifying the patient’s own psychosocial characteristics that may influence the illness and recovery while intervention suggests psychosocial counseling with the application of behavioral cognitive theory (CBT). The Nature of the Case Melinda is a married 50 year old female with six children who is sick of cervical cancer. She claims she did not have any hospitalization for several months prior to her illness. This is her first consultation with her physician. According to her, she is not supposed to have her consultation if not for a fall from the staircase of their house causing her some bruised at her back and arms. However, the bruises according to her doctors are just but minor health problems as compared to the result indicated in her health history taken from her. Her health history reveals that she is showing warning signs and symptoms of cervical cancer. Accordingly, she had been having vaginal bleedings for several months after her menopausal period. However, she never had any consultations nor alarmed because she believes her menstrual cycle had resumed. In May of 2010, she was diagnosed of first stage cervical cancer. Like any individual who is diagnosed with such illness, she was shocked to hear the r esult of her laboratory examination as revealed by her physician and is immediately under a circumstance where she had no prior experience (Clarke, et al. 2005) thus, her reaction to the information is devastating. Shock is followed with denial as evident in her statement, â€Å"I never had any health problems in the past. Why would I be sick of such disease†? Melinda had married three times one after the other and had been sexually active. From the time of her diagnosis, she lost her appetite, has not been sleeping well and been irritable. She also does not want to sleep with her husband anymore. She defends she is more comfortable to sleep alone in a room. This made a gap in their relationship. Most often, Melinda does not respond when her husband tries to communicate with her. Observation also reveals that she rejects foods and drinks offered by her children. However, her family is regarded to be caring and tried their best to adjust to the behavior change of Melinda. Meli nda does not also like to see neighbors and even friends as she shuns away from them whenever they pay visit. When ask if other members of the family had been stricken or have died of the same illness in the past, she answered, â€Å"Does it matter† that shows that she is not interested to know her family health history. Her mother died of breast cancer many years ago and a distant relative recently passed away with lung cancer. Now, she is under the care of an oncologist and several other

French Revolution Essay Example for Free

French Revolution Essay The French Revolution marked a period that was characterized by fundamental social and political disturbances in France. The French society was initially under an absolute monarchy prior to the Revolution which occurred in the late 18th century. The French society went through ambitious transformations whereby feudalism, aristocracy and religious privileges sublimed due to spirited attacks from the political activists and the masses. There was a call to shift from the old hierarchical system and adopt the enlightenment tenets of nationality and absolute rights. The Revolution in France is said to have begun in 1789 and it was marked by various stages with the various revolutionary groups executing the much needed transformations. This paper shall explore how the various groups executed their revolutionary activities that eventually contributed towards the political changes witnessed during the time. The French Revolution The revolution was initiated by the Third Estates-General who demanded that the king undertake practical reforms in the government. The ‘constituent’ forcefully ensured that France had undergone reformations that brought in the constitutional monarch while abolishing feudal advantages and also creating a representative electorate though not a democracy. The constituent had a well elaborated law that was referred to as the ‘Declaration of the Rights of Man and Citizens’ which can be compared to the bill of Rights in the American constitution . Between the years 1791 and 1792, the Legislative Assembly was introduced and the King was supposed to govern hand in hand with this entity. In August of 1792, the king was forced to flee and take cover in the Legislative Assembly during the Parisian march that happened near the royal residence. The king became de facto as the Assembly took control. From 1792 to 1795, France witnessed the First Republic and grand terror in its history . This is a time when the revolution reached its peak. Terror was established as a means of dealing with the opponents of the regime and France was pronounced to be a republic in the year 1792. The somehow liberal constitution that observed some democratic tenets was introduced in 1793 but was to be shelved by the revolutionary government. France was under the rule of the Committee of Public Safety which comprised of a dozen members whose first leader was Danton . Following the execution of Danton, Robespierre took over. In the year 1794, the Revolutionary activities were intensified and it begun executing those who were in opposition to its activities. This led to the execution of its own leader, Robespierre in July of 1794 . After the execution of Robespierre, there arose what was referred to as the ‘Thermidorian Reaction’ which led to the creation of a new constitution. The reaction was in opposition to the terror and paved way for the final stage of the Revolution . In the years 1795 to 1799, the Directory regime was established in which case the executive authority was shared among five directors. The regime was unpopular but it used any means possible to cling to power. There were numerous attempts to overthrow the Directory which culminated in the final disposal of the regime in 1799 by Bonaparte. Napoleon Bonaparte’s coup led to the installation of the Consulate before Bonaparte established his dictatorial regime.  He later proclaimed himself as emperor which ended the republican chapter of the revolution. Conclusion The French Revolution was a period characterized by upheavals in the political arena in France towards the late 18th century. However the Revolution played a crucial part in European politics. The revolution ensured that sovereignty was observed as absolutism was discarded which led to the replacement of monarchy with nationhood. The French Revolution therefore marked a major turning point in human history especially in regard to the political orientation of the western society of the 18th century and the world in general.

The Tragedy and Despair of Shakespeares Macbeth Essay -- GCSE Coursew

The Tragedy and Despair of Macbeth  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Macbeth is one of the best known of Shakespeare's plays. It is commonly classed, along with Hamlet, Othello, and King Lear, among Shakespeare's four great tragedies. After reading Macbeth, several significant aspects of the play come to mind: the central characters (Lady Macbeth and her husband) and their development, the treatment of gender issues, the nature and conflict of good and evil, the final triumph of the forces of goodness and life, and the troubling implications of that triumph. One way to approach the play's leading characters is to see how they fit Aristotle's ideas about tragedy. The problem with this approach is that they don't fit Aristotle's ideas very well. Aristotle wrote that a tragic character should be more good than evil and that the character's fall should be the result of a mistake or misstep (the probable meaning of Aristotle's term hamartia) rather than moral depravity. Lady Macbeth and her husband, by contrast, are more evil than good, and they deliberately commit or arrange several horribly depraved acts: among others, the murder of King Duncan, the murder of Macbeth's friend Banquo, and the murder of Macduff's wife and children. Their motives are purely selfish: they want power and all the personal benefits it will bring. It doesn't look as if Aristotle's ideas work very well at all in Macbeth. But despite the fact that the play doesn't fit the ideal Aristotelian mold (and Shakespeare probably had no intention that it should, anyway), looking at the play in this way sheds some light on it. We're required to ask, "Is Macbeth purely evil? Is his wife?" The more closely I've looked at the play, the more I've become convinced that its power comes f... ...tues we commonly associate with women and children -- or with Christ -- have not been given adequate attention. Macbeth shows us characters who have succumbed to despair: Lady Macbeth, who comes to believe that "What's done cannot be undone" (5.1.68), and Macbeth, who argues that, since "I am in blood/ Stepp'd in so far," repentance is pointless: "should I wade no more,/ Returning were as tedious as go o'er" (3.4.135-37). The play shows these characters defeated, but not redeemed. Works Cited Cooke, Patricia. "Macbeth: Origin of Despair." Online posting. 20 Nov. 1996. SHAKSPER: The Global Electronic Shakespeare Conference. 5 March 2001 <http://www.shaksper.net/archives/1996/0937.html>. Shakespeare, William. Macbeth. Literature: An Introduction to Fiction, Poetry, and Drama. Ed. X.J. Kennedy and Dana Gioia. 7th ed. New York: Longman, 1999.

Care and love Essay

However, this is when we contradict our first impression of him being a caring father, because no commendable father or even guardian will wait until morning to find out what is wrong with a child. Especially if previous events might have been the key to the survival of the child. We first see how he treats his daughter, Betty now we see the other responsibility he neglects, his niece; she is an orphan and should be treated with care and love. Instead he questions her commitment to the church and notes she was â€Å"dancing like heathen in the forest†; this testifies that he really does not care about his own flesh and blood, being an outcast of the church in this time was very dangerous: it was the centre of the community. Hale’s main interrogation method is to ask leading questions; therefore his victory of the debate whether Tituba was a witch or not. In the same way Parris asks leading questions to Abigail â€Å"What did you do with her in the forest?†. There is one thing about Parris though when dealing with minors he always is completely sure of who should take charge of the conversation.  Parris is quite selfish on numerous occasions he talks about himself more than Betty, by â€Å"my enemies† and the fact that â€Å"they will ruin me† does show some sort of over reaction. Getting frustrated over position and forgetting the main cause of the conversation driven to the point of believing a â€Å"faction swore to drive me out of my pulpit† we see definite troubles in Parris. The employment of a teenager nearing womanhood was very important it showed that you were respected if you became a servant in those days, Abigail had not been employed for a â€Å"seven month† but until this conversation he had always over-looked the matter and never inquired why as to she was sacked.  The Crucible reveals to us the modern day â€Å"tooth for a tooth†, Parris uses emotional blackmail, when he demands for an issue to be revealed in his favour he declares that he has â€Å"put clothes upon you back† this implies the use of emotional blackmail for getting something he wants; but putting clothes on your nieces back should not be a chore. Goody Putnam is the husband of a wealthy land owner, when she intervenes he shows a certain â€Å"deference† towards her for she is on the winning side of the community her husband is a rich land owner. Parris shows greed and hunger for money and status, he is easily â€Å"swayed† into agreeing with the Putnam’s that witches were among them in Salem we get the feeling of neglecting one self he is a man who thinks he is prosecuted everywhere, unpopular and mistrusted in the community.  Finally Parris makes a decision and indeed leaves in kin over money and power, he cleverly leaves Abigail in a complicated situation by stating â€Å"then you were conjuring spirits last night† he gives away his own kin for power and respect. Millers concern is that many in power are led astray by greed. Miller wants to have these people not in control of the public and it is people like Parris whom are dangerous and selfish  Goody Putnam and Parris have similar status she is a women she is married to a powerful landlord. Parris looks up to her and will believe anything, like her. In order to keep status.  Goody Putnam is directly portrayed as a â€Å"twisted soul† Miller makes us keep a open mind. We already get the gist of this. It means that a person who not trustworthy and has been through so much that they have become bended to one side of an argument. She has been described as â€Å"Death ridden† because she had lost all her â€Å"seven babies†. Later on we will learn how and why she acts in such a irresponsible and insane manner. When she first appears with play she is â€Å"shiny eyed† this gives us the opinion that she had just heard extraordinary news that Parris daughter had just flown over a barn. â€Å"How high did she fly† as a question shows clear stupidity for then or now anyone could have worked out for themselves they cannot. She indicates to Parris that the â€Å"devil† was right under his nose and in his household for there was a â€Å"stroke of hell† upon him and the â€Å"devil† was directly attacking him. Goody Putnam’s only daughter is â€Å"sick† as well and has the same sort of sickness as Betty, before thinking of a medical explanation she forces a recognition of witchcraft for the â€Å"devils touch† was on the children and was no natural cause for this illness.  This superstitious ignorance was terribly dangerous then: There could be a false accusation and someone’s life would pay the price these are Millers concerns. She does in some reference act like Hale. She is completely zealous in terms of supernatural causes but her reasons are not intellectual but ignorant. In depth we must look why, she believes she gave birth to seven â€Å"hearty babies† which suggest they were healthy. But â€Å"withered† in her arms. Now we could have a reason maybe a rare type blood disease for instance. At the time, a lack of science helped to sustain superstitious ideas  She is so immersed in her beliefs to the point that she sends her own daughter, Ruth to dance with the girls and try and â€Å"get closer† to her previous dead kids. This is entirely a kind of taboo. Since there is no other resource or explanation for these things at these times, the supernatural good and evil were heeded: the local doctor was â€Å"baffled† because the science was not advanced, not because the devil had intervened.

Alcohol Vignette

Tom has been arrested twice for Driving Under the Influence or DUI of alcohol, and in his most recent arrest, he has also been charged with assault of a law enforcement officer which is specifically a display of seemingly violent behavior since assault involves physical attack or onslaught.Tom’s blood alcohol level or BAL taken when he was arrested was 0.18 which was identified as the blood level for illegal intoxication (Hamilton, 2007). Aside from Tom’s BAL as indicator of his intoxication, he also admitted to forgetting what had transpired, his pupils were dilated, his speech was mildly impaired, and he displayed lethargic behavior. Assessing Tom’s situation was taken under the context of his claim that the case only happens during social gatherings with family and friends, not motivated by problems and such.Considering the circumstances presented, I would have to say that Tom is an alcohol abuser based on the guidelines set by The Diagnostic and Statistical M anual of Mental Disorders IV. An alcohol abuser is described as an individual who drinks alcohol in a manner that is harmful or hazardous to one’s health. (Buddy, 2008)Since Tom’s memory, speech, and physical functioning was affected by his high levels of alcohol intake, he fits into the category of an alcohol abuser. Another characteristic established and attributed to alcohol abusers include the non-dependence on alcohol.Alcohol abusers do not show strong cravings or dependence toward drinking. (â€Å"What is Alcohol Abuse?,† 2003) Basing it on Tom’s claim of having been drinking only after the holidays and during social gatherings, it clearly reveals that he does not exhibit strong cravings and dependence toward alcohol intoxication.Other characteristics of alcohol abusers that might be exhibited during a year-round observation includes recurrent apprehension for being caught due to reasons pertaining to alcohol, and other offenses that are fueled by a lcohol intoxication (ex. assault, etc.), and drinking without control or setting limitations despite having legal problems (ex. DUI arrests, etc.) in the past that were related to alcohol intoxication. (â€Å"What is Alcohol Abuse?,† 2003)Aside from the standards or guidelines that determines between alcohol abuse and alcohol dependence, there are other standards established over the years that are used to categorize drinking patterns or problems – specifically, Type I and Type II alcoholism, and Type A and B alcoholism.Type I alcoholism is attributed to alcoholism for both the male and female populations that occurs in the latter ages of life with noticeably less serious effects or implications, specifically with actions or behaviors that are related to anti-social behavior or misdemeanor. Type II alcoholism on the other hand, is isolated to the male population that starts at an early age with serious effects and implications, particularly when it comes to the display of anti-social behavior or misdemeanor. (Johnson, 1996)Type A and Type B alcoholism are based on standards or guidelines that relate the magnitude or gravity of alcoholism to an individuals childhood background, time of use, dependence on alcohol, use of illegal drugs, and the efficiency of treatment.Alcoholics under Type A are those who started drinking in the latter part of their lives, with no known or minor emotional or psychological problems in their childhood, lesser dependence on alcohol and problems or issues that are related to intoxication. On the other hand, alcoholics under Type B are those who have experienced emotional or psychological problems in their younger years, have family members who are also alcoholic, greatly dependent on alcohol, and more alcohol-related problems. (Babor, et. al., 1992)Based on the above descriptions of Type I and Type II, and Type A and Type B alcoholism, Tom is more likely to be categorized as an alcohol abuser under Type II and Type B in progress.This is supported by the fact that Tom is starting to follow a pattern of alcoholism that leads him to become publicly arrested for being illegally intoxicated. Moreover, Tom has already displayed violent behavior towards a law enforcement officer, which he claims he does not recall. Since he was already arrested in the past for a DUI, and he was arrested again for the same offense, he refuses to acknowledge his drinking problem and the harmful effects that it poses to his health and safety as well as the safety of other people.2. Tom mentioned that he does not remember anything that happened while he was intoxicated, which obviously means that his being drunk is affecting his memory. Moreover, he displays mild speech impairment as well as lethargic behavior or demeanor.The implications of such admissions and overt behavior lead to the conjecture that there is something wrong with Tom, particularly the functioning of his Central Nervous System or CNS. The CNS is composed o f an individual’s brain, spinal column, and nerves or neurons. In general, drinking alcohol of any amount affects the CNS. However, it is the amount of alcohol which determines how strong or overpowering its effect would be to the physical and cognitive functioning of a human being.   (Dunlap, N.D.)Naturally, when an individual drinks too much alcohol, its effects would also be greater on the functioning of his CNS. Since the CNS is capable of handling the senses and the impulses which governs an individual’s thoughts and actions. As an individual continues to drink alcohol, the CNS also continues to depreciate causing irreversible or irreparable damage to an individual’s CNS functioning.Apparently, the content of alcohol which goes directly to an individual’s CNS, blocks out the circulation of oxygen to and from the brain which causes a temporary blackout blurring or blocking one’s memory. Once the alcohol dissipates from the body, the circulati on of oxygen in the brain normalizes, as well as an individual’s memory. This means that once an individual becomes a habitual drinker, his memory as governed by the functioning of his brain, and his impulses or senses as managed by his nerves and neurons, become permanently damaged by alcohol. (Dunlap, N.D.)The kind of behavior displayed by Tom is clear signs of CNS impairments or disabilities caused by his intake of alcohol. For instance, Cerebellar Atrophy is a condition associated to a part of the brain called the cerebellum, wherein an individual’s intake of alcohol causes an imbalance or disturbance in one’s muscle coordination. Cerebellar Atrophy will affect an individual’s balance as well as walking movements.This particular CNS condition explains why Tom’s actions or movements are lethargic or sluggish since he had trouble balancing, walking, or moving at a normal pace. Another condition related to alcohol and the CNS is the Korsakoff†™s Amnesic Syndrome. This particular syndrome has something to do with an individual’s memory. If an individual develops high dependency on alcohol and takes in alcohol that is more than the amount of normal intake, contracting Korsakoff’s Amnesic Syndrome will lead to losses in short-term memory. (â€Å"Alcohol Related Brain Impairment,† 2008)One factor which affects the length of time by which alcohol lingers inside the body, therefore, shortening or prolonging the harmful and incapacitating effects of alcohol to an individuals CNS is his metabolism. Metabolism is a process that occurs within the body which converts substances and other chemical compounds that are readily excreted from the human body.The process constitutes the contribution of the liver in the oxidization process which normalizes the amount of oxygen in the blood stream, including the brain. If the oxidization process is normal, then the rate of an individual’s return to consciousness is normal.However, the rate of the oxidization process as well as the metabolizing enzymes found in the liver is greatly affected by alcohol. Large amounts of alcohol intake will lead to the damage of an individual’s liver which will consequently influence metabolism rate, making it difficult for the liver to dissipate alcohol from the human body prolonging the effects of alcohol to an individual’s brain functioning. (â€Å"Alcohol and The Human Body,† N.D.)Since the effect of Tom’s alcohol intake was observable prior to his arrest which motivated a DUI charge until the time that he was apprehended, displaying bouts of memory loss, speech impairment, and lethargy, this means that the rate of his metabolism is not capable of flushing out alcohol from his system and normalizing his bodily functions through immediate oxidization.From this, we learn that Tom is an alcoholic who have been drinking alcohol either for a long time or in large amounts which is en ough to interfere with his metabolism.Tom’s stated case or situation and gathered information pertaining to the simultaneous intake of certain drugs such as Marijuana, Valium and other types of downers, and alcohol will be used to identify whether he used downers along with alcohol or not. Again, observable behaviors that may be utilized to answer such inquiry include his sudden loss of short-term memory, the dilation of his pupils, mild speech impairment, and lethargic behavior or demeanor.First, we need to understand the results or effects of drinking downers along with alcohol, differentiating it from the symptoms of alcoholism alone. Downers or depressants are intended for decreasing brain functioning or activity within the individual’s CNS in order to ease anxieties, worries, tensions, stresses, and such.Downers or depressants are appropriately prescribed for individuals who need to calm down as a means of moderating psychological tension. Since the intake of alco hol seems to display similarities to the effects of downers, the intake of alcohol and downers or depressants at the same time magnifies the effects or results of each when taken separately.

How The World Ended †Creative Writing Essay

How The World Ended – Creative Writing Essay Free Online Research Papers How The World Ended Creative Writing Essay An earthquake of the magnitude of 10.5 has hit the earth as a result of a galactic disaster. Buildings are crashing on top of people. Streets are caving in. Water mains are bursting. All of a sudden I see an old friend sitting on the sidewalk. In the middle of this chaos I spot my friend. He tells me he is trying to get to his wife. They were each at work when the earthquake hit. He wants to find her and to make sure that she is ok. As we talk we see a women who is hit by a truck flying through the air. She and others need our help. He says, â€Å"How can I help when I must find my wife†. I tell him that there are others who need his help right now. He must not let his passion for his wife stop him from doing what he should be doing now which is helping those who need his help right here. I tell him to use his reason to think that his wife is ok and to use his passion to help the people around him. â€Å"I would have you consider your judgment and your appetite even as you would two loved guest in your house.† 1 Right now you have a job to do and your wife also has a job to do. You must help those around here who need help and she must do the same. â€Å"And the oak tree and the cypress grow not in each other’s shadow.† 2 In the past you might have given money to charities but now that will not help. Now you need to give yourself. You must help people by pulling them out from under rubble and administer first aid. â€Å"It is when you give of yourself that you truly give.† 3 My friend pulls himself together. Together we run to help a woman who was hit by a falling brick. My friend has put his passion to work with his reason. He will look for his wife later when he has done all he can here. He sees that he is separate from his wife and he must give of himself. All of sudden a building behind me crashes down on me. Everything goes black. Research Papers on How The World Ended - Creative Writing EssayThe Effects of Illegal ImmigrationHonest Iagos Truth through DeceptionMind TravelCapital PunishmentHip-Hop is ArtThe Spring and AutumnWhere Wild and West MeetAnalysis Of A Cosmetics AdvertisementUnreasonable Searches and SeizuresHarry Potter and the Deathly Hallows Essay

What to Expect on College Move-In Day

What to Expect on College Move-In Day The excitement on a college campus during move-in day is palpable. New students are moving in, parents are trying to figure out how to help, and there are usually just enough student orientation leaders and staff members to create the perfect mixture of confusion and assistance. How can you keep yourself on track? Know the Schedule and Stick to It If youre moving into a campus residence hall room, you most likely have been assigned a very specific time for unloading your items. Make sure to stick with this schedule. Not only will things be easier for you during your time to unload, but they will also be easier for you for the rest of the day. Move-in day is usually crammed full of events, meetings, and to-dos, so sticking to your assigned move-in time is of high importance.  Every minute of your move-in day is scheduled for a reason: there is a lot to cover and all of it is important. Go to every event youre assigned to, be there on time, and take notes. Chances are your brain will be overloaded by the time the day is over and those notes will come in handy later. Expect to Be Separated from Your Parents At some point during move-in day, you actually will have to be separated from your parents. Often, however, this will happen before they officially leave campus. Your parents may have a special schedule to go to that has separate events from yours. Expect this to happen and, if need be, brace your parents for it. Try Not to Be Alone Its no secret that the plan for the day is to keep you from being alone. Why? Well, just imagine what move-in day would be like without all of those scheduled events. Students would be kind of  lost, unsure of where to go, and would probably end up just hanging out in their new rooms- not the best way to meet a lot of people and get to know the school. So, even if you think the event after dinner sounds totally lame, go. You may not want to go, but do you want to miss out on what everyone else is doing? Keep in mind that the first few days of orientation are often when a lot of students meet each other, so its critical to get out of your comfort zone and join the crowd- you dont want to miss out on this vital opportunity to start making new friends. Get to Know Your Roommate There may be a lot going on, but spending a little time getting to know your roommate- and setting up some ground rules- is also super important. You dont have to be besties with your roommate, but you should at least get to know each other a little bit on move-in day and during the rest of the orientation. Get  Some Sleep! Chances are, move-in day- and the rest of orientation- will be one of the busiest times of your college life, but that doesnt mean you shouldnt take care of yourself a little, too. True, you will probably be up super late talking with people, reading all the material you were given, and just enjoying yourself, but remember that its also important to get at least a little sleep so you can stay positive, healthy, and energetic over  the next few days. Know That Its OK to Feel Sad Youre in college now! Your parents have left, the day is over, and youre finally all settled down in your new bed. Some students feel overwhelmingly happy, some feel overwhelmingly sad and scared, and some students feel all of these things at the same time! Be patient with yourself and know that you are making a humongous life adjustment and that all of your emotions are totally normal. You worked hard to get where you are and, while it may be scary, it can still be fantastic at the same time. Congratulate yourself on a job well done, let yourself be sad when you need to, and get ready to start your new college life- after a good nights sleep, of course.

Crippled by their Culture by Thomas Sowell Essay

Crippled by their Culture by Thomas Sowell - Essay Example The focus, or thesis, of the writer is that race cannot be used as a predictor or a descriptor for these forms of difference, as the difference is not prevalent when examining members of the same race who have been brought up under different environments, such as African-Americans and native Africans. The author proposes that instead, the culture that these people are brought up in provides a much stronger driver of their differences, and that this can be self-reinforcing. The author cites a variety of anecdotal examples to provide evidence to his point of view, producing an effective and well researched argument. The author starts the essay by listing some of the main differences that are acknowledged to exist between blacks and whites, although the list is not significantly developed. Instead, the author goes on to discuss how these differences have been presented and explained, both in earlier and in present times. Citing an example of recent research, the author goes on to explai n how these perspectives do not adequately explain all the differences that occur. The example the author was a study that looked at black Harvard alumni, and found that those from Africa or the West Indies, or were children of immigrants from either location, vastly outnumbered African-American blacks. The author goes on to suggest, that this difference and similar differences cannot adequately be explained by either racial differences or by racism. In the following paragraph, the author engages the audience asking them directly what possible explanations exists to explain â€Å"such large disparities †¦among these three groups of blacks?† Here he encourages the audience to consider his previous statements, and come to the conclusion that racism and race are not adequate descriptors of three groups that are very difficult to distinguish visually. The paragraphs that follow address the historical perspective, proposing that disparities within races have always existed, g oing back to differences between the â€Å"†¦Ã¢â‚¬â„¢free persons of color’ in 1950†¦Ã¢â‚¬  and â€Å"†¦those blacks whose ancestors were freed in the next decade†¦Ã¢â‚¬  Following this, the author suddenly changes focus, from considering the past and specific examples, to the present time and the differences between the North and the South of the United States. Furthermore, he goes from considering differences between blacks, to individually considering differences within the blacks and within the whites across the Northern and Southern United States. To support his argument, the author gives a number of statistical examples of differences, such as the time children spend in school and the number of schools. He then considers how these disparities are able to cause other disparities, citing illegitimacy rates and violence examples. The author then restates and reinforces his points that â€Å"none of these disparities can be attributed to either race or racism†, then suggests and subsequently debunks slavery as an alternative theory. He suggests that culture is the only explanation that is left. The second half of the essay takes on a different tone. Up till this point the author focused on cultural differences from a more theoretical perspective, citing a range of examples. In the second half of the essay he talks solely about one specific case, the differences between the North and the South, using the common derogatory term for Southerners, rednecks. The author refocuses his direction on the black population, by considering how the redneck culture was occupied by approximately one third of the white population of the United States, 90% of the black populat