Financial Aid Appeal Letter

This is in response to the official letter that I received from your office regarding the suspension of my financial aid. I am writing to present a request to have the privilege of receiving financial aid again. During my last semester, year, including the months leading up to my suspension for credits at Howard posed a challenging point in my academic career. With the external pressures and stress conditions faced at the time prevented me from meeting my set goals for academic progress.The long strenuous hours at work, the displacement that my Mother and sister faced by moving to Boston from Miami, then back to Miami, then later to Pittsburgh and then now back to Miami. The worries of what I was going to have to sacrifice in order to send money to my immediate family, as well as other less fortunate family members in Haiti, all took an unbearably heavy toll on me thus spilling over and effecting both my attitude and efforts placed towards my classes. It forced me to readjust and rep rioritize things causing school and my studies to be placed on the back-burner.I found myself at work, working on days I had schedule classes. I wasn’t putting forth any real effort in any of my difficult classes primarily because I was so distracted with stresses outside of school. I was sort of just going through the motions. During that moment in my life I was fatigued end exhausted with school life. I had arrived at a point where I forgot why I initially came to Howard, which was to be the first person in my immediate family to attend college and earn a quality education. I came to Howard to earn a bachelors degree and work in a field, still to this day, I’m most passionate about.Without the required financial aid, it would be difficult for me to take the amount of courses I need to take in the next academic semester. I am aware that my performance during my last attendance at Howard University does not give any reason for faith in my abilities to do better but I a m in a position to ensure that I am going to take strict steps to ensure that my academic work will be more successful in the future. I have, for one, found a better stable job, working for a great security company, which allows me the flexibility to cut back on the number of work hours ensuring that I get more time to devote to my academics.I have made myself familiar with and established a network of tutors on and off campus that I will utilize for classes that I find most difficult. I also plan on establishing and maintaining close contact with my adviser in the School of Business, Accounting department, regarding measures I can take to stay ahead of the academic demands of college. Without financial aid this will be impossible. I am a good student as my records from earlier academic performances would show you and I intend to get back on track as my education is of prime importance to me.

Designing Compensation Systems and Employee Benefits Essay

A compensation system has an important role in a company. An ideal compensation system can motivate employees to enhance their job performance. An organization can use adequate compensation to retain talented employees. Retaining talented employees is important because they help organizations grow and earn high profits. A well-constructed compensation system is the key to an organization being successful and prosperous (â€Å"Importance of Compensation,† 2007). To further elaborate on the importance of compensation, the differences amongst job analysis and job evaluation and how these practices aid in creating internally consistent job structures will be described, and details will be given on the challenges that occur when creating compensations that are both internally consistent and market competitive. Also, the fairness of merit increases based upon quartiles will be discussed, the fundamental concept of insurance and how this concept applies to health care will be discussed, and the changes in the business environment and society that may affect the importance of legally required benefits will be described. Describe the Differences Between Job Analysis and Job Evaluation and How These Practices Help Establish Internally Consistent Job Structures Job analysis and job evaluation are the key to creating internally consistent job structures. An internally consistent compensation system will define the relative worth of each job amongst all jobs in a company. Companies use a basic principle when creating internally consistent compensation systems, which is jobs that require higher abilities, more responsibilities, and more intricate job tasks should be compensated more than jobs that require lower abilities, lesser responsibilities, and fewer intricate job tasks. Internally consistent job structures recognize distinctions in job traits that allow compensation managers to set pay based upon the distinctions. Furthermore, compensation professionals create internally consistent job structures by using job analysis and job evaluation. A job analysis will reveal the duties as well as compensation factors such as skill and effort that are required to sufficiently perform the job. The results of the job analysis will be used to conduct the job evaluation. Job evaluation will create pay differentials for jobs within a company. The results of the job analysis help compensation professionals set pay rates by quantifying the main similarities and differences between jobs (Martocchio, 2011). In the end, the job evaluation will categorize jobs according to their relative worth in the company. The relative worth of a job will be determined based upon compensation factors such as skill, job duties, and working conditions. Finally, job evaluation will guarantee internal equity because the value of jobs will be determined based upon compensation factors (Williams, 2012). Describe the Challenges in Developing Compensations That are Both Internally Consistent and Market Competitive One challenge in creating compensation systems that are internally consistent and market competitive deals with flexibility. Internally consistent pay systems have the potential to decrease a company’s flexibility to react to changes in the pay practices of competitors because job analysis creates structured job descriptions and job structures. Also, job evaluation creates the relative value of jobs within an organization. Reacting to competitors may require employees to perform tasks that are not included in their job descriptions whenever competitive pressures arise. This process makes equity appraisals more difficult because the definitions of jobs become more changeable (Martocchio, 2011). Moreover, some employees may resent being required to perform tasks that are not in their job descriptions. These employees may believe that the employers are taking advantage of them because they are not being compensated for performing the extra job duties. As a result, employees could become unmotivated to help their employers compete against competitors. Another challenge in developing compensations that are both internally consistent and market competitive is the bureaucracy that results from the internally consistent compensation structures. Organizations that develop job hierarchies have a tendency to create narrowly defined jobs, which results in larger number of jobs and staffing levels. This type of structure can place heavy compensation burdens on companies. Heavy compensation burdens can reduce profits for companies, which can affect whether companies use a market lead, market match, or market lag policy for compensating employees. Organizations that use the market lead policy compensate its employees more highly than most of its competitors. Employees receive pay that is above the market pay line. Organizations that use the market match policy compensate employees based upon the market pay rates. Employees will receive pay on the market pay line. The market lead and market match policies can help companies attract and retain talented employees; thus, the companies using these policies can obtain competitive advantage in a highly competitive business environment by using its talented employees. Furthermore, organizations using the market lag policy compensate its employees less than the majority of its competitors. Employees receive pay below the market pay line (Martocchio, 2011). Furthermore, a company should not be forced to choose the market lag policy because of heavy compensation burdens that could result from bureaucracy. Some companies may use the market lag policy as a cost savings method to offset heavy compensation burdens. A market lag policy could prevent a company from attracting and retaining talented employees, which could affect the competitiveness of a company. Moreover, a company could lose customers and profits if it does not have the talented employees in place to produce goods and services than can compete with the goods and services of competitors. Two Employees Perform the Same Job and Each Received Exemplary Performance Ratings. Discuss Whether it is Fair to Give One Employee a Smaller Percentage Merit Increase Because His Pay Falls Within the 3rd Quartile But Give a Larger Percentage Merit Increase to the Other Because His Pay Falls Within the 1st Quartile and Explain Why Supervisors use the merit pay grid to designate merit increases to employees. A merit pay grid contains a pay range for a pay grade. The pay range is divided into four quartiles. Employees with the lowest salaries fall into quartile 1. The salaries increase as the quartiles increase. Employees with the highest salaries fall into quartile 4. Furthermore, the lower an employee’s salary falls within its designated pay grade the larger the percentage pay raise. For example, if two employees perform the same job and both employees receive excellent performance ratings, the employee whose pay falls in quartile 3 will receive a smaller percentage merit increase than the employee whose pay falls in quartile 1. The employee whose pay is in quartile 3 may receive a 7% merit increase for excellent job performance; whereas, the employee whose pay is in quartile 1 may receive a 12% merit increase for excellent job performance. Furthermore, using the merit pay grid may be logical but not fair. It is logical because compensation professionals decrease merit pay increase percentages as quartile ranks increase to control employees’ advancement through their pay ranges. If employees in quartile 1 and quartile 3 were to receive the same merit pay increase percentage, the salary for the employee in quartile 3 more than likely would exceed the maximum pay rate for the range quicker than would the salary for the employee in quartile 1 (Martocchio, 2011). Moreover, the merit pay grid may be viewed as unfair because employees performing the same job and displaying the same amount of effort and job performance are not receiving an equal percentage merit increase. Employees may view this procedure as an unfair work practice. Furthermore, the employees may believe that the company places more value on some employees’ job performance more so than on other employees’ job performance. Discuss the Basic Concept of Insurance and How This Concept Applies to Health Care The basic concept of insurance is to spread risks. Risk does not mean that an unfavorable incident will occur but that there is a possibility of an unfavorable incident occurring. All persons have the risk of suffering a major illness. Thus, the whole concept of insurance when relating to health care is that an individual will be able to spread his or her risk among other people so that if an unfavorable incident occurs, he or she will not be overwhelmed because of high health care costs (â€Å"Understand the Concept,† 2012). In the United States, health care is classified as a multiple payer system, which means that multiple parties are held accountable for paying the costs of health care. The multiple parties can include the government, employers, labor unions, employees, and unemployed individuals (Martocchio, 2011). Moreover, insurance allows an individual to pay a few hundred dollars a month in level premium rather than having to pay a $50,000 surgery bill once (â€Å"Understand the Concept,† 2012). Finally, health-related expenses can become costly; thus, it would be wise for individuals to have some form of insurance for health care. Health insurance covers the costs of various services that promote sound mental and physical health such as physical exams, surgical procedures, and psychotherapy. Normally employers enter into contractual relationships with insurance companies to provide employees and possibly their dependents with health care. Moreover, the insurance policy or contractual relationship will specify the amount of money insurance companies will pay for health-related services such as physical exams. Furthermore, employers pay insurance companies a negotiated amount or premium to create and sustain insurance policies (Martocchio, 2011). Health insurance premiums are costly. The average monthly health insurance premium for an employee is $309. 03. The average monthly health insurance premium for an employee and his or her family members is $708. 83. Numerous private sector companies make it mandatory that employees pay a portion of health insurance premiums because of the high costs. Employees only contributed a small percentage toward health insurance premiums in 2008. Moreover, employees with single coverage contributed around 19% and employees with family coverage contributed around 29% (Martocchio, 2011). Except For the Family and Medical Leave Act, the Remaining Legally Required Benefits Were Conceived Decades Ago. Describe the Changes in the Business Environment and Society That Might Affect the Relevance or Perhaps the Viability of Any of These Benefits There are several legally required benefits in the United States. Legally required benefits are the benefits provided by the Social Security Act, which are retirement; unemployment insurance; old-age, survivor, and disability insurance; and Medicare. Other legally required benefits are workers’ compensation insurance and family medical leave. The United States government created legally required benefits to protect individuals from calamitous incidents such as unemployment and disability. Legally required benefits try to maintain the flow of family income, promote worker safety and health, and assist families in critical situations. Furthermore, providing employees with legally required benefits can be costly to companies. Present day, companies in the United States spend an average $4,400 for each employee yearly to provide legally required benefits (Martocchio, 2011). Finally, the effect that legally required benefits have on costs and the competitiveness of businesses could affect the sustainability of legally required benefits For numerous years, there have been genuine concerns that there will be lack of funding to provide the legally required benefits, especially the social security benefits. There are continuous political debates about how to safeguard the viability of social security programs. President George W. Bush signed an executive order that established the new Presidential Commission to Strengthen Social Security. Politicians have debated the advantages and disadvantages of differing solutions to strengthen the Social Security system. The administration of George W. Bush focused on encouraging tax credits for persons who save for retirement and promoting additional savings through employer-sponsored retirement plans. Furthermore, the Democratic Party suggested enhancing the tax under the Federal Income Contributions Act to strengthen the trust fund. However, business leaders have opposed the suggestion of the Democratic Party. Business leaders, especially small business leaders are concerned that the increase in tax will lower company profits (Martocchio, 2011). Legally required benefits may hinder businesses in the short term because these benefits require sizeable employer expenditures. Employers are required to make contributions that are mandated by the Social Security Act and several state workers’ compensation laws. These mandated expenses prevent businesses from investing these funds in direct compensation programs designed to increase productivity and product or service quality (Martocchio, 2011). If the money for mandated expenses could be used for compensation programs then the company could increase its competitiveness. Furthermore, enhancing productivity, products, and services can help businesses become strong competitors against its competitors. Conclusion In conclusion, a job analysis will reveal compensation factors that will be used in the job evaluation to determine the worth of jobs. Compensations that are both internally consistent and market competitive can affect a company’s flexibility to respond to changes in the pay practices of competitors, and companies have to deal with the heavy compensation burdens as a result of bureaucracy. Usage of the merit pay grid is logical but unfair. Insurance allows employees to share the costs of health care with multiple parties. The effect that legally required benefits have on costs and the competitiveness of companies could cause companies to view the mandated benefits as burdensome. Finally, compensation will always have a vital role in the strategies of companies.

Big Mountain High School Case Study Analysis Education Essay

Big Mountain High School serves over 1450 pupils in grades 10-12. Large Mountain is the lone high school in the county, and besides the largest high school in the province. Its geographical location is known for its wilderness and beauty. Because of its location it is mostly a rural territory where many of the attending pupils commute more than 30 stat mis every twenty-four hours to have day-to-day direction. The population of the school ranges from diverse socio-economic backgrounds. As evidenced in the instance, 40 % of the pupils will travel on to go toing 4-year colleges, while 20 % of the pupils attend 2-year colleges. For pupils that are non college edge, as an excess educational option, the territory provides them with a vocational plan ( Smith A ; Louis, Winter 1999 ) . The Superintendent of the territory is Mr. Bob Carpenter a indigen of the territory. He has been the overseer for four old ages and he is described as being magnetic, a individual who makes determinations and gets things done. He is extremely respected amongst the instructors and staff because he meets straight with the instructors and listens to what they have to state. Mr. Carpenter is besides described as utilizing a bottom-up leading manner doctrine. The chief Mr. Vogel has held the place for 15 old ages. He is known as being a dedicated manager, candid and carnival to his staff. Mr. Vogel besides adopted a bottom-up leading manner doctrine. Some nevertheless, see him to be â€Å" crusty and impersonal † and even unapproachable. He makes hiring determinations, nominates the section chairs, normally communicates with instructors in short staff meetings, and maintains that disposal has full authorization over the processs and policies in the school. The sections at Big Mountain high school were given entire authorization and liberty as how they distribute the instruction assignments, how course of study and direction is designed and they besides make the determinations on budget allotments. Meetings between the principal and section caputs are non regular events, they normally meet one time every three hebdomads and the meetings are normally really short. Finally, there are the instructors. The territory ranks the highest paid among other territories in the province, supplying the territory with a big pool of extremely qualified appliers. Teachers at Big Mountain command how they teach, have small or no treatments over learning methods, the type of direction, and have small or no input in the determination doing procedure that takes topographic point in the school. Faculty is divided and with really small interdisciplinary engagement. There are several leading issues present in the instance. The major issues revolve around the ability of the leading to expeditiously take the school during a much needed alteration. In the instance of the mandated course of study alteration as required by the province, the treatments of the new course of study raised personal and pedagogical differences amongst the module. If the end of the leading is to further growing and alter the way in which the school is traveling, it would be wise for the leading to take a human resource frame attack as discussed in Bolman A ; Deal, where under the human resource frame, leaders provide and foster equal engagement in the determination devising ( Bolman A ; Deal, 2008 ) . At Big Mountain, the caputs of section have a significant sum of influence and authorization, and are perceived by the module as decision makers and determination shapers. These differences in power have led to a deficiency of interdisciplinary engagement between section caputs and module members where Hargreaves A ; Fink refer to as, traditional power blocks ( Hargreaves A ; Fink, April 2004 ) . This deficiency of interdisciplinary engagement and the misinterpretation of a collaborative leading, as become a top-down hierarchy leading, instead than a sensed bottom-up leading as expressed by the chief Mr. Vogel. It is obvious that the principal in this school will non be developing meaningful relationships with the staff. His neglect for the sentiments of the instructors during his short module meetings, along with his important leading manner resemble what Fullan ( 2001 ) describes as coercive and bossy leading. As the freshly appointed caput for the Language Arts Department, Mr. Chester non merely appointed to the commission merely those who agree with him, he besides restricted the engagement from the instructors that will be implementing the course of study. By making so, he derailed Bolman A ; Deal ‘s model attack, and the construct of the structural frame where the attempts of groups and persons are coordinated, and besides the human resource frame, where affecting others gives them a sense of belonging and ownership ( Bolman A ; Deal, 2008 ) . Even though ab initio the principal shared the determination devising with the commission, he rapidly reversed that determination and decided to do the determinations himself. However, subsequently he decided to name Chester to take the new alterations commission to implement the new course of study. One once more his rushed determination was made without the engagement and the input from the instructors, go forthing it small room to win and showing the deficiency of communicating and alliance edifice, necessary when turn toing alteration ( Kanter, Summer 1999 ) . As the overseer, Bob Carpenter was non of much aid to the principal in set uping and developing a successful civilization of committed members within the organisation. Although important and magnetic, his strong interaction accomplishments, the ability to construct relationships while run intoing with instructors and listening to their concerns when the principal was non supportive, have earned him the regard of the instructors, minimising the authorization of the principal. As the overseer, Bob failed as a function theoretical account, and a wise man to the principal. He came across as holding his ain political docket, showing the deficiency of his leading qualities. Qualities required when constructing a successful organisation. Recommendations for Improvement Inspiring leaders have the ability to turn schools about. On the other manus mediocre leaders can alter the civilization of a school and hinder the patterned advance of successful enterprises that may be ongoing within an organisation driven by its members. â€Å" A civilization of alteration consists of great celerity and nonlinearity, on one manus and every bit great potency for originative discoveries on the other. The paradox is that transmutation would non be possible without attach toing muss † ( Fullan, 2001, p. 31 ) . It is obvious that muss is in the hereafter of Big Mountain. Changes are inevitable, and a complete restructuring of the school is recommended. From the overseer, to principal, to section leaders, and to instructors, all fail to develop a collaborative and cohesive work environment. In the instance, the prostration was initiated from the top-down where is lacked sustainable leading. Hargreaves ( 2009 ) describes five obstructions that impede effectual leading and should be addressed in the restructuring procedure of Big Mountain. The obstructions impede the successful execution of the restructuring when sequence is ill planned, sequence passages are severely managed, sequence is frequently on the incorrect frequence, sequence planning fails to see the emotional facets, and in conclusion sequence is non treated as a systemic job. Sequence in leading is an of import facet when reconstituting an organisation and it is frequently overlooked, weakening the long term alterations for a successful turn-around. Large Mountain could profit of an increased stableness in leading. It was evident that neither the overseer nor the principal were wholly dedicated to the school and its vision. The overseer and the principal could hold been more proactive in edifice and set uping a common vision for the school. Constructing a systemic leading is another of import facet that should be taken into consideration. The overseer should work on developing unfastened lines of communicating with other successful schools in the territory, and develop partnerships with the other schools where information is shared, and thoughts are exchanged leting schools to assist each other and ultimately addition accomplishment. Another recommendation involves the development of a distributed leading and the creative activity of managers for the new leading. Bolman A ; Deal ( 2008 ) depict the human resource frame, where the overseer and the principal would put more accent on constructing personal relationships, and the sc hool would profit from the constitution of an unfastened and true bottom-up leading manner doctrine. Because more and more disposal is comprised of first-time leaders, giving support to new leaders will relieve the emotional emphasis associated with the place. Supplying good back uping managers will assist the new leaders with the troubles that come with the new administrative function. A concluding option is to maintain the position quo of the school. However, without alterations in leading, the instability that exists amongst the staff will stay and will go on to decline. Leadership stableness can be improved by leading sequence, and this may be accomplished by administering successful leaders across schools in the territory and developing a support web that will help overseers, principals and instructors throughout the territory. â€Å" Successful sequence is about turning and linking leading throughout a system, non merely happening the right tantrum for single leaders. † And â€Å" Permanent betterment seldom exists without leading stableness or successful sequence. Effective sequence is a strategic challenge but non an unsurmountable 1 † ( Hargreaves A ; Fink, April 2004 ) . Mentions Bolman, L. G. , A ; Deal, T. E. ( 2008 ) .Reframing organisations. San Francisco: Jossey-Bass. Fullan, M. ( 2001 ) .Leading in a civilization of alteration. San Francisco: Jossey-Bass. Hargreaves, A. ( 2009 ) . Leadership Succession and Sustainable Improvement.School Administrator, 66 ( 11 ) , 10-15. Retrieved from ERIC database. Hargreaves, A. , A ; Fink, D. ( April 2004 ) . The Seven Principles of Sustainable Leadership.Educational Leadership, 61 ( 7 ) , 8-13. Kanter, M. ( Summer 1999 ) . The Enduring Skill of Change Leaders.Leader to Leader Journal( 13 ) , 15-22. Smith, B. , A ; Louis, L. ( Winter 1999 ) . Case 2: Changes at Big Mountain High School [ Abstract ] .Journal of Cases in Educational LeadershiP, 2 ( 1 ) , 1-2. Big Mountain High School Case Study Analysis Education Essay Big Mountain High School serves over 1450 pupils in grades 10-12. Large Mountain is the lone high school in the county, and besides the largest high school in the province. Its geographical location is known for its wilderness and beauty. Because of its location it is mostly a rural territory where many of the attending pupils commute more than 30 stat mis every twenty-four hours to have day-to-day direction. The population of the school ranges from diverse socio-economic backgrounds. As evidenced in the instance, 40 % of the pupils will travel on to go toing 4-year colleges, while 20 % of the pupils attend 2-year colleges. For pupils that are non college edge, as an excess educational option, the territory provides them with a vocational plan ( Smith A ; Louis, Winter 1999 ) . The Superintendent of the territory is Mr. Bob Carpenter a indigen of the territory. He has been the overseer for four old ages and he is described as being magnetic, a individual who makes determinations and gets things done. He is extremely respected amongst the instructors and staff because he meets straight with the instructors and listens to what they have to state. Mr. Carpenter is besides described as utilizing a bottom-up leading manner doctrine. The chief Mr. Vogel has held the place for 15 old ages. He is known as being a dedicated manager, candid and carnival to his staff. Mr. Vogel besides adopted a bottom-up leading manner doctrine. Some nevertheless, see him to be â€Å" crusty and impersonal † and even unapproachable. He makes hiring determinations, nominates the section chairs, normally communicates with instructors in short staff meetings, and maintains that disposal has full authorization over the processs and policies in the school. The sections at Big Mountain high school were given entire authorization and liberty as how they distribute the instruction assignments, how course of study and direction is designed and they besides make the determinations on budget allotments. Meetings between the principal and section caputs are non regular events, they normally meet one time every three hebdomads and the meetings are normally really short. Finally, there are the instructors. The territory ranks the highest paid among other territories in the province, supplying the territory with a big pool of extremely qualified appliers. Teachers at Big Mountain command how they teach, have small or no treatments over learning methods, the type of direction, and have small or no input in the determination doing procedure that takes topographic point in the school. Faculty is divided and with really small interdisciplinary engagement. There are several leading issues present in the instance. The major issues revolve around the ability of the leading to expeditiously take the school during a much needed alteration. In the instance of the mandated course of study alteration as required by the province, the treatments of the new course of study raised personal and pedagogical differences amongst the module. If the end of the leading is to further growing and alter the way in which the school is traveling, it would be wise for the leading to take a human resource frame attack as discussed in Bolman A ; Deal, where under the human resource frame, leaders provide and foster equal engagement in the determination devising ( Bolman A ; Deal, 2008 ) . At Big Mountain, the caputs of section have a significant sum of influence and authorization, and are perceived by the module as decision makers and determination shapers. These differences in power have led to a deficiency of interdisciplinary engagement between section caputs and module members where Hargreaves A ; Fink refer to as, traditional power blocks ( Hargreaves A ; Fink, April 2004 ) . This deficiency of interdisciplinary engagement and the misinterpretation of a collaborative leading, as become a top-down hierarchy leading, instead than a sensed bottom-up leading as expressed by the chief Mr. Vogel. It is obvious that the principal in this school will non be developing meaningful relationships with the staff. His neglect for the sentiments of the instructors during his short module meetings, along with his important leading manner resemble what Fullan ( 2001 ) describes as coercive and bossy leading. As the freshly appointed caput for the Language Arts Department, Mr. Chester non merely appointed to the commission merely those who agree with him, he besides restricted the engagement from the instructors that will be implementing the course of study. By making so, he derailed Bolman A ; Deal ‘s model attack, and the construct of the structural frame where the attempts of groups and persons are coordinated, and besides the human resource frame, where affecting others gives them a sense of belonging and ownership ( Bolman A ; Deal, 2008 ) . Even though ab initio the principal shared the determination devising with the commission, he rapidly reversed that determination and decided to do the determinations himself. However, subsequently he decided to name Chester to take the new alterations commission to implement the new course of study. One once more his rushed determination was made without the engagement and the input from the instructors, go forthing it small room to win and showing the deficiency of communicating and alliance edifice, necessary when turn toing alteration ( Kanter, Summer 1999 ) . As the overseer, Bob Carpenter was non of much aid to the principal in set uping and developing a successful civilization of committed members within the organisation. Although important and magnetic, his strong interaction accomplishments, the ability to construct relationships while run intoing with instructors and listening to their concerns when the principal was non supportive, have earned him the regard of the instructors, minimising the authorization of the principal. As the overseer, Bob failed as a function theoretical account, and a wise man to the principal. He came across as holding his ain political docket, showing the deficiency of his leading qualities. Qualities required when constructing a successful organisation. Recommendations for Improvement Inspiring leaders have the ability to turn schools about. On the other manus mediocre leaders can alter the civilization of a school and hinder the patterned advance of successful enterprises that may be ongoing within an organisation driven by its members. â€Å" A civilization of alteration consists of great celerity and nonlinearity, on one manus and every bit great potency for originative discoveries on the other. The paradox is that transmutation would non be possible without attach toing muss † ( Fullan, 2001, p. 31 ) . It is obvious that muss is in the hereafter of Big Mountain. Changes are inevitable, and a complete restructuring of the school is recommended. From the overseer, to principal, to section leaders, and to instructors, all fail to develop a collaborative and cohesive work environment. In the instance, the prostration was initiated from the top-down where is lacked sustainable leading. Hargreaves ( 2009 ) describes five obstructions that impede effectual leading and should be addressed in the restructuring procedure of Big Mountain. The obstructions impede the successful execution of the restructuring when sequence is ill planned, sequence passages are severely managed, sequence is frequently on the incorrect frequence, sequence planning fails to see the emotional facets, and in conclusion sequence is non treated as a systemic job. Sequence in leading is an of import facet when reconstituting an organisation and it is frequently overlooked, weakening the long term alterations for a successful turn-around. Large Mountain could profit of an increased stableness in leading. It was evident that neither the overseer nor the principal were wholly dedicated to the school and its vision. The overseer and the principal could hold been more proactive in edifice and set uping a common vision for the school. Constructing a systemic leading is another of import facet that should be taken into consideration. The overseer should work on developing unfastened lines of communicating with other successful schools in the territory, and develop partnerships with the other schools where information is shared, and thoughts are exchanged leting schools to assist each other and ultimately addition accomplishment. Another recommendation involves the development of a distributed leading and the creative activity of managers for the new leading. Bolman A ; Deal ( 2008 ) depict the human resource frame, where the overseer and the principal would put more accent on constructing personal relationships, and the sc hool would profit from the constitution of an unfastened and true bottom-up leading manner doctrine. Because more and more disposal is comprised of first-time leaders, giving support to new leaders will relieve the emotional emphasis associated with the place. Supplying good back uping managers will assist the new leaders with the troubles that come with the new administrative function. A concluding option is to maintain the position quo of the school. However, without alterations in leading, the instability that exists amongst the staff will stay and will go on to decline. Leadership stableness can be improved by leading sequence, and this may be accomplished by administering successful leaders across schools in the territory and developing a support web that will help overseers, principals and instructors throughout the territory. â€Å" Successful sequence is about turning and linking leading throughout a system, non merely happening the right tantrum for single leaders. † And â€Å" Permanent betterment seldom exists without leading stableness or successful sequence. Effective sequence is a strategic challenge but non an unsurmountable 1 † ( Hargreaves A ; Fink, April 2004 ) . Mentions Bolman, L. G. , A ; Deal, T. E. ( 2008 ) .Reframing organisations. San Francisco: Jossey-Bass. Fullan, M. ( 2001 ) .Leading in a civilization of alteration. San Francisco: Jossey-Bass. Hargreaves, A. ( 2009 ) . Leadership Succession and Sustainable Improvement.School Administrator, 66 ( 11 ) , 10-15. Retrieved from ERIC database. Hargreaves, A. , A ; Fink, D. ( April 2004 ) . The Seven Principles of Sustainable Leadership.Educational Leadership, 61 ( 7 ) , 8-13. Kanter, M. ( Summer 1999 ) . The Enduring Skill of Change Leaders.Leader to Leader Journal( 13 ) , 15-22. Smith, B. , A ; Louis, L. ( Winter 1999 ) . Case 2: Changes at Big Mountain High School [ Abstract ] .Journal of Cases in Educational LeadershiP, 2 ( 1 ) , 1-2.

The Silk Road Project Essay Example | Topics and Well Written Essays - 2000 words

The Silk Road Project - Essay Example This terrain significantly separated China from the nations in the west. Furthermore, the terrain in the west together with the peace treaties amongst the Western Nations led to the development of the Western economies. This paper will elaborate on the historical aspects that pertain to the Silk Road. It will address the origin of the term Silk Road, and the goods and products traded along the route. It will also cover on the significant traders of the Silk Road, and the effects on the East and West. The History of the Silk Road, Naming and Fate The Central Asian sections of the trade were expanded during the reign of Han Wudi, the Emperor in 2006 BCE- 220 CE period. The emperor had sent Zhang Qian in a mission to establish political treaties with the Yeuzhi people. However, on return from a 13 year journey, Zhang Qian reported of the lucrative trade that was taking place in the Western nations (Franck 66). The Emperor on an attempt to develop peace treaties with the western nations not only led to political relationships but also economic and cultural developments. The trade led to a great civilization in Ancient Rome, China, India, Persia, Arabia and Ancient Egypt. The route was given the name due to the lucrative Chinese silk that was traded along the road. Although there were other goods traded along the route, silk was the main commodity. ... Later on, in 1877, a German researcher, Ferdinand Richthefen, named the trade route as the Great Silk Road (Foltz 50). The overland trade route was divided into the Southern and Northern Routes by passing Lop Nur and the Taklimakan Desert. The Northern route started at Chang’an, which is the present day Xi’an. This was the capital city of the ancient Chinese Kingdom. Later on, Han expanded the route to Luoyang, a town in the east of China. This route travelled northwest through the Gansu from Shaanxi Province. It split into three routes where two routes followed the mountain ranges on the south and north of the Taklamakan Desert to join at Kashgar. The other route headed south to the Tian Shan Mountains through Almaty, Turpan and Talgar (Franck 71). Figure 1: The Silk Road The route then split at the West of Kashgar with a northern route travelling through Kokand, present day eastern Uzbekistan. It then progressed to the West to cross the Karakum Desert. The Southern br anch headed towards the Alai valley toward Balkh, currently Afghanistan, and Termez, currently known as Uzbekistan (Xinru 34). The routes rejoined in the southern side before reaching Merv, which is currently known as Turkmenistan. On the other hand, the Southern route was a single route which started in China through the Karakoram. Today, this route is known as the Karakoram Highway, an international paved road that connects China to Pakistan. The route then branches westward but with southwards branches enabling the journey to be completed using the sea. This route crossed through the Northern Pakistan, across the Hindu Kush Mountains to the present day Afghanistan. The southern route then joined the northern route near Merv. From Merv, the route followed a straight route to the West

Brave mother Essay Example | Topics and Well Written Essays - 1250 words

Brave mother - Essay Example of the modern world, the role of the mother in the lives of her children has come to diminish, especially with the empowerment of women and their taking up of roles, which were previously reserved for men. The modern world has brought about plenty of challenges to motherhood, and some of these challenges tend to revolve around the fact that mothers are either working fulltime, or that they are going to college to further their education. While in previous generations the chances of couples divorcing were extremely slim, in the contemporary one, it has become commonplace, with many marriages falling apart in very short times. When this happens, it has become the norm for mothers to be given full custody of their children, which has led to the burden of the raising of children to become solely the domain of the mother. This situation has become extremely difficult especially when one considers that many mothers have to balance either work or school with the raising of their children; s omething which is becoming extremely difficult to achieve especially for those families that need an income. Today, mothers are faced with the task of not only raising their children, but also their fulfilling their obligations to their employers in order to earn an income. This raises the need for mothers to balance their work and family life. In order to achieve this, many mothers have looked for alternatives, which will not only enable them to work effectively, but also be able to spend time with their children. One of the ways that many mothers seem to be adopting is that of working from home. Many mothers have chosen to telecommute and this has ensured that they are able to spend more time at home working during the time when they would have been commuting to work. This has enabled them to get rid of work faster so that when their children come home from school, they find their mothers free to spend valuable time with them. Working mothers have also taken to using one calendar for

Writing about oaranormal such as ghost Essay Example | Topics and Well Written Essays - 250 words

Writing about oaranormal such as ghost - Essay Example have had a paranormal experiences, 56% believe that those ghosts are the spirits of the dead, ad over 60% believe that Ouija boards are â€Å"bad news† (Live Science Staff, 2011). As a believer in ghosts I think that there are many instances and locations that have a great deal of activity that can be and has been captured by, both, freelance and professional television ghost seekers. Again, however, for example if a particular show went to a location and could not get a single interesting, suspicious, or peculiar thing to happen, then one has to ask would they fake when necessary in order to improve the show and provide some sort of evidence by the end of the episode? Granted there are many instances, especially in older homes, where the sounds that people are hearing can be debunked as the natural sounds of aging wood, a settling foundation, and air in the pipes. However, when all practical explanations have been considered and accounted for that leaves the unexplainable. Ultimately, when watching these shows one must decide for themselves which seem the most sincere and believable and which seems staged and set up for the benefit of the cameras. I have seen many shows where the evidence was astonishingly strong and others terribly planned and scripted. In others words, television is filled with all kinds, those based on the legitimate research and seekers of scientific proof of the afterlife and those that take advantage of people who are believers. Live Science Staff. (2011, October 11). americans beliefs in paranormal phenomena (infographic). Live Science, 1. Retrieved from

The Great Cat Massacre by Robert Darnton Essay Example | Topics and Well Written Essays - 500 words

The Great Cat Massacre by Robert Darnton - Essay Example The cat massacre served as a clever and afflictive attack on the print master and his wife. By killing the cats, the laborers get back at the master of the shop. The workers hated the cats because their masters love those animals and nurture them more than the workers. By first killing the mistress' beloved cat "la grise," the workers emblematically raped the bourgeoisie. It is a clear display of insult and threat as the workers assured her that no one would be capable of such a crime because they have too much respect for the house. Simultaneously, they caused the sovereign insult to their master-his wife being his most precious possession just as her cat was hers. The workers amused themselves with Lveill skillfully reenacting the horrible scene over and over during the following days. The mime was an atrocious and humiliating attack at the expense of the master's entire household. It provided entertainment for the men. It must be taken into account the unity of the workers against the masters. By executing the cats with such elaborate ceremony, they condemned master guilty-guilty of the unjust management of the shop towards apprentices. The cats were a representation of the masters, who were declared guilty of poor labor practices. In trying, confessing, and hanging a collection of half-dead cats, the workers meant to ridicule their master.

FINITE MATHEMATICS - Number Theory Research Paper

FINITE MATHEMATICS - Number Theory - Research Paper Example In the next step we will truncate numbers to different digits. Our number is 5.3476. Let us examine what is rounding off a decimal place. Our number is 5.3476. We use the same concept as above; the digits after decimal points are called â€Å"tenths†, â€Å"hundredths†, â€Å"thousandths†, and â€Å"ten-thousandths†. There are two rules in rounding up of decimal places. Scenario 2: In this scenario we will add and then round up to the whole number. Let us think, I am in a supermarket. I want to buy three products and make sure I have enough money to pay before I go to the cash register. I already know that when I round up decimal number to the whole number, I increase the result if the number after decimal point is 5 or more. I will use this technique. Step 3: I will add numbers of columns from left to the right. I already know that; 247 is 200 + 40 + 7. So, 135 is 100 + 30 + 5 and 682 is 600 + 80 + 2. I have to use this concept when I add from left to right. Scenario 3: In this scenario, I am in a flea market. I found something that costs $ 8.60 each. I want to buy 7 of them. I have $ 60 in my packet. My goal is to find total price. I will truncate the decimal to the whole number and negotiate the price with the seller. This is a scenario of truncation after multiplication. Thus, if â€Å"p† is a known prime number, there is always a new prime number â€Å"n† which is a larger than the known prime number â€Å"p†. Thus for any prime number there is a larger prime number, so there are infinity number of primes. The figure above represents a 12-hour clock. Clockwise movement increases number from 1 to 12. The number 12 can also be expressed as number 0. Using this clock we can do addition, subtraction, multiplication of integers. An integer is a whole number. There is no decimal. An integer can be a positive number or a negative number. Thus, we can use a 12-hour clock for arithmetic calculation with

Eight history essay questions Example | Topics and Well Written Essays - 1000 words

Eight history questions - Essay Example The â€Å"Black Codes† in the Mississippi allowed the Blacks to be arrested for vagrancy and used them as cheap labor. They were also prohibited from owning arms, holding large gatherings and enrolling in juries. In response to these â€Å"Black Codes† the Congress passed the Civil Rights Act in April 1866, which permitted blacks to enjoy many rights. President Johnson vetoed the Act saying it would â€Å"cause discord among races and this paved the way for his impeachment. During his trial, the Senate needed one more vote to reach the 2/3 rd majority and carry out the impeachment, but the single vote of Edmund G. Ross, a young Radical Republican, was instrumental in turning the tables in Johnson’s favor and so he remained in office. During the Civil War, on January 1st 1863, President Abraham Lincoln passed the Emancipation Proclamation which set free all the slaves in the rebellious states. This proclamation captured the minds and hearts of millions of African Americans and in turn served to turn the war into a war of freedom. Though thousands of fugitives were crowded into camps, the Government organized relief societies for the families to be taken care of. They organized aid and schools to teach the men, women and children to read and write thus providing the African Americans with an education. The Government also commissioned the Blacks into the army and other jobs which were not open to them before. Women of the Civil War were held in high esteem and they were allowed to take on politically active roles. During the Californian Gold Rush between 1849 and 1882, quite a large group of Chinese immigrants immigrated to the United States. Some of them worked alone where as others worked for other miners. The majority of them settled there permanently while others went back home with the money they had saved. During the 1870’s there was an economic crisis where people

Group project Essay Example | Topics and Well Written Essays - 2500 words

Group project - Essay Example At first a field study is carried out to validate the first stage of the framework, the Recognition Stage. By this way the trouble indicating symptoms of said project was worked out. Such symptoms were logically examined and recovery measures applied for making it bug free and as per the requirement of the client. Another aspect was shortfalls in the project management model and the group dynamics. After review of relevant literature, the problem was reviewed and specific steps taken for a recovery process. This part of the project covers the commercial aspects of website. It is basically meant for a user who desires to buy parts of a PC as per his options. The web page has restricted for those users who has valid account in this site. For that he requires to create an account and get a user id and password. Through the user id and password he would enter into the commercial page of website where he would choose desired items from the displayed list of computer peripherals for purchase. This involves two important parts namely Customer part and Administrator part. Customer part deals with creating an account, searching for computer peripherals, browsing categories, PC configurator, Order placing, viewing the items ordered, modifying the shopping basket, setting quantity of items, buying the selected items. On account of designing client based webpage we used PHP as front end tool. Next part is administrator related which has database server that keeps all the products and its specifica tions stored in it. As the whole project designed to be created with open sources technology we used MySQL 5.0 version. In the back end process we created a database consisting of all the details of products and once all data related to the products entered into this server only thing we had to do next was to update the products as per the

Language, Identity and Cultural Difference Essay Example for Free

Language, Identity and Cultural Difference Essay According to Hall (1997a), enunciation theories suggest that even though we may talk of ourselves from our experiences, the person who speaks and the subject being spoken of are never identical. Identity in this regard is to be conceived as a production which is never complete- â€Å"always in process, and always constituted within, not outside, representation†- (Hall, 1997a) as opposed to viewing it as a complete fact which is then represented by the new cultural practices. However, this view shakes the legitimacy and authority upon which the term cultural identity bases its claim. There are two ways in which cultural identity can be thought of. The first view sees it in terms of a single shared culture, some kind of a collective ‘one true self’ that is hiding inside many other more artificially imposed selves that people with a shared history and ancestry hold in common (Hall, 1997b). Within this view of description of cultural identity, our cultural identities mirrors those historical experiences that we hold in common and the shared cultural codes which offer us as a people, a stable, immutable and continuous frames of reference and meaning, under the shifting classes and fluctuations of our actual history (Hall, 1997a). Singapore was envisioned by her leaders as a multiethnic society in which the constituent ethnic groups shared participation in common institutions while at the same time retaining their distinct languages, customs and religions. The ethnic categories represented self-evident, natural groups that would continue their existence into the indefinite future. Singaporean identity therefore implies being an Indian, a Chinese, or a Malay but in relation to other groups. This model of ethnicity demands the denial of important internal variations for each ethnic group and the recognition of differences between the categories (Tsui Tollefson, 2007). The second view of cultural identity recognizes that there are similarities and important differences which make up what we really are. We cannot persistently refer with exactness to one experience and one identity without recognizing the other dimension. This other dimension represents the rifts and discontinuities that comprise cultural uniqueness. In this second sense, cultural identity is viewed as an issue of both â€Å"becoming† and â€Å"being†, something that belongs to the future as much as it belongs to the past. Cultural identities in this regard have histories and therefore changes constantly. In other words, cultural identities are subject to the uninterrupted play of history, culture and power (Hall, 1997a). Identity is the name given to the different ways we are placed, and put ourselves within the tale of the past. This second conception of cultural identity is more disturbing and less familiar. How can the formation of identity be understood if does not proceed from a straight line or a fixed origin? The Singaporean identity can be thought of as composed of two vectors that operate simultaneously. These are the vectors of rift and difference, and similarity and continuity. The Singaporean identity can be seen with regard to the relationship between the two vectors.   Similarity and continuity brings to fore the realization that it is the experience of fundamental discontinuity that the Indians, Malays and Chinese share and among these are immigration, colonization and Asian origin. It is therefore interesting to look at how the concept of identity, language and cultural differences were created and how these concepts are related within the context of Singapore. The analysis herein presented will be based in Hall’s view of the link between language, identity and cultural difference. Relationship between Language, Identity and Cultural Difference The relationship between language, culture and identity has emerged to be a hotly contested topic in social sciences. The questions that mainly arise concern the apparent difference between cultural and ethnic identity. Are these types of identities similar or should they be differentiated conceptually. Various scholars hold varying views on the role of language in the definition of one’s identity. A major question that one may be compelled to ask is whether a culture or ethnic group can be considered to be unique if it does not have its own language or in the least its own rendition of a common tongue. Cultural identity is universal whether it is expressed with regard to humanity or otherwise since people from every part of the world are conscious of some kind of specificity that sets them apart from others. In contrast, ethnic identity only appear to take place within complex societies when it seems functional to separate individuals into categories founded upon something other than age, gender or occupation. Ethnicity is associated with cultural identity since one must make reference to cultural, linguistic or religious particularities in order to categorize individuals. According to Hall (1997b), culture is produced by representation. Culture concerns shared meaning and the medium through which we make sense out of things is through the use of language. It is through language that meaning is produced and exchanged. The only mechanism of sharing meaning is through a common access to language. In this regard, language is fundamental to meaning and culture and has always been conceived as the major bank of cultural values and meanings. However, one may be compelled to ask how meaning is constructed through language. According to Hall (1997b), language constructs meaning via its operation as a representational system. Language is one of the mechanisms through which ideas, thoughts and feelings are represented in culture. In this regard, representation through language is fundamental to the processes through which meaning is produced. Our sense of identity is derived from meaning and therefore meaning is linked with questions about how we use culture to define and maintain identity and difference within and between groups. In every social and personal relationship in which we participate, meaning is constantly being produced. Meaning is also produced through our expression in and consumption of relevant cultural materials. Our conducts and practices are also regulated and organized by meaning which help in the setting of rules, norms and conventions upon which social life is ordered and governed. The question of identity therefore emerges in relation to various other divergent moments or practices within the cultural circuits; in our construction of identity and the defining of difference, in the production and consumption and in the regulation of social conduct. In all these instances, language is one of the most important medium through which we produce and circulate meaning.

Consequences of Winding Up Essay Example for Free

Consequences of Winding Up Essay The liquidator has no power to carry on business with a view to resuscitating the company or making profits. The liquidator shall carry on the business of the company principally to enable the business to be sold off as a going concern. 2. A transfer of shares may be carried out only with the sanction of the liquidator. In effect, the membership of the company is frozen once winding up commences. 3. The directors and certain other officers of the company are under a duty to assist and cooperate with the liquidator. 4 4. Where the company has either bought property from or sold property to a person who was at the time of the transaction a director of the company for cash consideration and the transaction occurred within 2 years before the commencement of the winding up, the company may recover any amount by which the property was overvalued or undervalued. 5. Where the company has gone into liquidation within 6 months of the creation of a floating charge, that charge is void except to cover the amount of cash advanced to the company at the time of creation or subsequently, together with interest at 5% per annum. The liquidator(s) appointed upon the winding up of the company to manage the affairs of the company for the purpose of the liquidation shall: 1. investigate the affairs and assets of the company as well as the conduct of its directors and other related persons; 2. recover and realise the company’s assets at the best possible price and in a manner that is to the best advantage to the company; and 3. adjudicate the claims of all creditors and to ensure an equitable distribution of the company’s assets. Distribution of Assets The company’s property is to be applied in satisfaction of its liabilities upon winding up, and the surplus distributed among the members according to their rights and interests in the company. Secured creditors need not prove for their debts but can realise their security and obtain full satisfaction. Once the secured creditors have been paid out of the assets that comprise their securities, the remainder of the assets, if any, will be distributed among the preferred creditors. The order of priority is as follows : . Costs and expenses of the winding up. 2. Wages and salaries of the employees of the company. 3. Retrenchment benefit or ex-gratia payment (if any) due to the employees of the company. 4. Compensation for injuries suffered in the course of employment under the Workmen’s Compensation Act (Cap 354). 5. Provident fund contributions payable in the â€Å"12 months next before, on or after the commencement of the winding up† under any written law or under any approved scheme of superannuation or retirement benefits. . Remuneration payable in respect of vacation leave accrued before or after the commencement of the winding up. 7. All taxes assessed before the commencement of the winding up or before the time fixed for the proving of debts has expired. Any residue remaining after payment of the creditors is divisible among the members in accordance with the company’s Memorandum and Articles of Association.

Impact of Bank Consolidation on Small Business Lending

Impact of Bank Consolidation on Small Business Lending Review of literature According to the big bank barrier hypothesis large banks provide the credit facilities for larger clients or larger corporate businesses. Large banks are more likely headquartered in metropolitan cities near to large corporate businesses. Large banks may not able to get adequate information because the distance between large banks and small businesses are at large. It is frequently determined the credit facilities to them. Large banks do not have local based environment for relationship lending to small businesses. They are more frequently offered transaction loans for well equipped, larger and financially secure firms. (Hayes and Berney (1999)) Banks relationship lending may be based on local knowledge of small business. Large banks relatively associates with large clients. They are provided loans with high interest rates and high collateral requirements to large businesses. Small customers may not able to get loans from large banks with this high collateral requirements and high interest rates. (Berger and Udell 1996) Small banks are most likely associated with low interest rates and low collateral requirements for transaction loans to small customers. They also do have local based knowledge about small firms. Informational distance between the small banks and customers are frequently helped to small businesses. Hauswold and Marquez (2000) suggest that informational distance between the banks and small clients more often reduces relationship lending of the banks to firms. The consolidation process and bank size frequently have in significant results for small business lending. Some MAs process between the financial organizations slightly raises and rather than frequently reduces small business lending. The evidence from the China, shows that total assets of banks is partially insignificant variable for banks to take decision for small and medium business lending. Frequently, the bank’s lending power has been stimulated by the banks’ lending authority, special incentives schemes form government and powerful law enrichments that gives more credit facilities for small and medium scale businesses. Yan Shen et.al (2009) According to De yang et.al (1996), U.S banking industry has been splinted two primary groups based on asset size of banks through the changes of deregulation, technological and consolation process of banks. They are viz. very large banks and small banks. Large banks are specialized to create normalized loans with the use of hard information of small business. Small banks are specialized to give non-normalized loans with the use of soft information and development relationship lending between the small customers. In the period of 1993-2001 performance of small business lending is based on relationship lending and non-standardized loans of small banks. Smaller banks performance with small customers are more likely better than larger banks performance in the market of small business lending. However, large banks are also slightly involved to make roadways for the small business loans. They are very consistent to lend credit facilities to small business due to informational distance. (Berger et.al 2004) Consolidation process between the small and large banks slightly improves small business loans rather than more frequently reduces lending opportunities to them. After this process large banks credit facilities declines due to high interest rates and lack of informational collateral requirements. Small banks offer more credit than large banks. After the consolidation process, small banks becomes big with large banks and their credit facilities to small customers has been splinted and shared by non-bank financial institutions of the regions. Consolidation process between the small and large banks reduces small business credit positively. The large portion of small businesses credit has been lent by small banks. Small banks are after receives comparative advantage in relationship lending to small customers. As evidence from the sample of U.S at 1913 from national survey of business finance shows that probability of small firms credit facilities does not reduces in long run. However, in short run may occur disruptions to small firm lending. It explains that same firms in areas are likely to return credits lately with small banks. There are no more credit constraints available with small banks to such firms. According to Klien (1971) competition raises between the banks that are more likely to give loans on low interest rates to small customers. Competition among the banks raises that they have a less ability to lend more credit to small firms with their surplus share of funds. Banks more likely makes decision of credit facilities for small firms on period by period basis. They are less likely extended credit to small firms with their asymmetries information of banks. Rajan et.al (1995) According to Berger et.al (1998) the credit availability for small businesses are not negatively intervened by banks MAs. However, some MAs process between the large banks and bank holding companies (BHCs) have an inverse effect on small firms lending. Furthermore, small business lending has been more likely raised by MAs process among small banks. Gobbi et.al (2007) has conducted a study on Italian corporate borrowers, MAs between the banks negatively effect on small businesses lending process. Particularly, lending relationship between the banks and firms has been more likely reduced after the MAs process. Bill Francis (2008) explains that in short run the overall effect of bank consolidation is inversely related to the small business lending. This negative relationship is initially initiated by large acquirers with consolidation process. Furthermore, consolidation activity between the small and medium size banks have a positive significant effect on small business lending and new business formation. In the long run, consolidation process have a significant positive impact on small business lending that has been initiated by large or well-equipped acquiring banks. Peek and Rosengren (1997) analyze the relationship among small business and bank lending performances and bank consolidation. It argues that small business lending depends upon the banks’ capital and assets size. It is mentioned that particular mismanagement and dis-economies of scale may raise the cost expenditure of small business lending when the bank size and complexity rises. Most of the mergers and acquisitions of banks generate the welfare affects for borrowers and also rescheduled their loan portfolio for small customers. It is positively correlated with the market power and negatively impact on the credit availability for small borrowers based on the relationship lending. Peek (1997) study also gives that the other borrowers get benefit from mergers when their efficiency raises for credit availability to small customers. The larger sample of private firms has given the negative impact of credit availability to small borrowers when the bank merger rises. It suggests that small, medium banks have served more credit risk to small borrowers because they have the regional knowledge and information relationship between them. Some study also argued that relationship lending for the target bank borrowers slightly raises, but the acquiring bank borrowers frequently declines when the merger announces. (Smith et.al 2002) The above mentioned review of literature is shown that mergers and acquisitions between the small and large banks have a positive insignificant effect on the small business lending of the different nation in the world. As Concerns from India, Indian banking sector has not been well equipped to foreign banks. Small business lending of the Indian commercial banks are not been satisfactory due to more outreach section of the regions. However, small customer are not able to contact with financial institutions and their credit availability has been captured by non-bank financial institution of the regions like Marvadi, Money Lender and Jeminthar. (Hayes and Berney (1999)) (Berger and Udell 1996) Hauswold and Marquez (2000) Yan Shen et.al (2009) De yang et.al (1996) (Berger et.al 2004) Klien (1971) Rajan et.al (1995) Berger et.al (1998) Gobbi et.al (2007) Bill Francis (2008) Peek and Rosengren (1997) (Kerceski, Onegena and Smith 2002) References: Shen, Yan Shen, Minggao Xu, Zhong Bai, Ying, 2009. Bank Size and Small- and Medium-sized Enterprise (SME) Lending: Evidence from China† World Development Elsevier, vol. 37(4), pages 800-811. Yildirim, H. Semih Philippatos, George C., 2007. Restructuring, consolidation and competition in Latin American banking markets’’ Journal of Banking Finance Elsevier, vol. 31(3), pages 629-639, March. Berger, Allen N. Rosen, Richard J. Udell, Gregory F., 2004. Does Market Size Structure Affect Competition? The Case of Small Business Lending† CEI Working Paper Series, 2005-8, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University. Steven G. and Craig Pauline Hardee (2007), the impact of bank consolidation on small business credit availability.’’ Journal of Banking Finance., pages12-63 Joe Peek and Eric S. Rosengren, 1997. Bank consolidation and small business lending: its not just bank size that matters.’’ Working Papers. 97-1, Federal Reserve Bank of Boston. (Kerceski, Onegena and Smith 2002). Klein, Michael, 1971. A theory of the banking firm. Journal of Money, Credit and Banking 3 (2), 205–218. Petersen, Mitchell A., Rajan, Ragjuran G., 1995. The effect of credit market competition on lending relationships. Quarterly Journal of Economies (May), 407–443. Berger, A.N., Saunders, A., Scalise, J.M., Udell, G.F., 1998. The effects of bank mergers and acquisitions on small business lending, Journal of Financial Economics, 50(2): 187-229. Peek, Joe, Rosengren, Eric S., 1998. Bank consolidation and small business lending: It’s not just bank size that matters. Journal of Banking and Finance 22, 799–819. Strahan, Philip E., Weston, James P., 1998. Small business lending and the changing structure of the banking industry. Journal of Banking and Finance 22, 821–845. Bill Francis, Iftekhar Hasan, Haizhi (2008) Wang Bank consolidation and new business formation’’. Journal of Banking Finance 32, 1598–1612 Allen N. Berger, Leora F. Klapper, Gregory F. Udell (2001) The Ability of Banks to Lend to Informationally Opaque Small Businesses’’ The World Bank Development Research Group Finance. policy research working paper 2656 Hauswald, R., Marquez, R., 2000. Relationship banking, loan specialization and competition, Indiana University working paper. Haynes, G.W., Ou, C., Bemey, R., 1999. Small business borrowing from large and small banks, in Business Access to Capital and Credit, edited by J.L. Blanton, A. Williams, and S.L.W. Rhine, A Federal Reserve System Research Conference, 287-327. DeYoung, R., Nolle, D.E., 1996. Foreign-owned banks in the U.S.: Earning market share or buying it? Journal of Money, Credit, and Banking 28(4): 622-63 6. Berger, A.N., Udell, G.F., 1996. Universal banking and the future of small business lending, edited by A. Saunders and I. Walter, Financial system design: The case for universal banking, Burr Ridge, IL, Irwin Publishing, 559-627. Bonaccorsi Di Patti, Emilia, Gobbi, Giorgio, 2007. Winners or losers? The effects of banking consolidation on corporate borrowers. The Journal of Finance LXII (2), 669–695.

UN Declaration of Human Rights Essay -- Human Rights Essays

I am not going to argue that we are born with human rights given to us by a higher power. I do not believe this is true as so many people around the world are stripped of their rights almost daily. I do believe that we need to adhere to and respect human rights without discrimination in order to advance as a species which brings me to the declaration of human rights drawn up by the United Nations. As said by Human Rights activist Shulamith Koenig â€Å"Human Rights are the banks of the river within which life can flow in freedom and dignity.†   Ã‚  Ã‚  Ã‚  Ã‚   Does the U.N. declaration of human rights hold value in todays society? I believe the UN plays an extremely important role in todays society and therefore does hold value. As the nations of the world increase their interdependence of one another there will be an increasing need for a multinational body to act as peacekeepers, protectors & negotiators WITHOUT becoming world police. The key to the UN’s power is that it is made up of 99% of the worlds governments. The actions and motivations of the UN are firmly based on their Declaration of human rights which is the first document to receive multinational support for laying down the rights believed to be owed to each and every human being. Human Rights is an issue that has gained much public notice over the last 60 years, mainly starting with the end of world war 2. This is because many of the world problems can be largely traced back to human rights abuse...

Philosophy Statement :: Education Teaching Teachers Essays

Philosophy Statement Education is the window to the world. It can be possibly described as the eyes, the ears, the heart and the soul of every person who has entered a classroom. Why is education important? For me, it is important because it helps develop a student intellectually, socially, and emotionally. It encompasses a wide range of talents that is essential to the every day world. Education is a universal concept due to the fact that it is widely available to every child in the United State. However, that does not make education a success for every child. Ultimately, the success rate of education rests with a child’s teacher and that is what should motivate every teacher in the classroom. As a teacher, I plan to motivate my students using the following philosophies if essentialism, existentialism, and progressivism. The following use of these philosophies in my classroom can result in a positive and enlightening atmosphere in the intermediate and secondary level classrooms. Essentialism backs up the traditional role of teaching that many students will experience in the intermediate or secondary English classroom. I am a firm believer in this philosophy because it has been tried and tested throughout the years. In fact, it is the main philosophy that my teachers used in the classroom. I believe that all students come with a basic knowledge but need guidance from teachers. In fact, teachers are the core center of education in the essentialist classroom and they need to direct students in the areas of math, science, literature, English, foreign language, and history. As an English teacher, I plan to use essentialism in teaching the basic skills of grammar and writing and choosing appropriate literature that I believe will help students as they further their education. Also, the choice of literature will help students develop morally and socially. The nest philosophy that I plan to use is centered on the idea of existentialism because it focuses on a student-centered classroom. I believe that students should have a voice in their classroom and I plan to be democratic and allow students a limited amount of freedom and free will. In light of this philosophy, I plan to allow students freedom in selecting literature and the decision to evaluate their progress through book reports, presentations, and group work.

The Farm Real Estate Economy :: essays papers

The Farm Real Estate Economy Farm real estate values have increased continuously from 1987 to 1998, significantly improving the financial position of many farm businesses. But for the first time in over a decade farm real estate prices have begun to fall, due in part to record breaking yields for crops and extremely low commodity prices. I believe the value of farmland has increased at too fast a pace in relationship to value of farm production and is facing a major market adjustment. The farm real estate market saw it’s last major market adjustment in the mid 1980’s (see figure 1), many operations went out of business and the banking industry lost millions. In many cases the value of the note the bank was carrying was in excess of the value of the land securing that note. Although the market adjustment I anticipate will not be as drastic as the crisis of the 80’s, I do believe many lending institutions are in place to take some serious losses if the federal government suspends it’s p ayments to farmers. Farmland currently accounts for slightly over 79 percent of all farm sector assets, which now exceed $900 billion. Some 52 percent of total farm sector debt, composed of either mortgages or short or intermediate term debt are secured by farmland. Consequently, the financial security of farm sector borrowers and their lenders is affected by changes in farm real estate values. Agricultural land values are primarily determined by the income earning potential of the land, as measured by expected returns from crops and livestock. However in many areas, nonagricultural factors are playing a greater role. Where non-farm influences are involved, farmland is often drawn out of agriculture for residential, commercial, or recreational uses. Farmland values in rapidly urbanizing areas, like the outskirts of Lincoln for example or in areas popular as recreation destinations tend to be higher than would be predicted based on agricultural returns alone. Research has found that 10 to 20 percent of the farmland in the United States is effected by population expansion. This may seem like a small percentage of the total farmland in this country but in many instances in urban areas land is valued at five times it’s production capability, or higher. This however is not taken into consideration when valuing the real estate in the farm sector as a whole. This problem is most prevalent in the Northeast United States.

Henry David Thoreau †“Why I Went to the Woods” Essay

This excerpt is from his famous essay, â€Å"On the Duty of Civil Disobedience†. First, some background; in 1842, his brother John died of lockjaw. Three years later, Henry decided to write a book commemorating a canoe trip he had taken with John in 1839. Seeking a quiet place to write, he followed a friend’s suggestion and built a small cabin on the north shore of Walden Pond on a piece of land owned by his friend and mentor, Ralph Waldo Emerson. He started work on his cabin in March of 1845. On the 4th of July, he moved in. Thus began one of the great and lasting experiments in life and thought of the whole of human experience. â€Å"I went to the woods because I wished to live deliberately, to front only the essential facts of life, and see if I could not learn what it had to teach, and not, when I came to die, discover that I had not lived.† Thoreau otherwise filled his time by working in his garden, talking with visitors, reading, and writing in his diary. B ut most of all, he walked and thought, and it’s difficult to tell now which was the more important activity. It seems that, in his two years living in his little cabin in the woods he brought himself to a state of conscious living, where thought and action were harmoniously combined. This story is about his rejection of the world’s definition of ‘success’ and so he demanded a life of personal freedom. He went to the woods, built a humble cabin on the edge of Walden Pond, Concord, Massachusetts†¦and learned about nature and life. He rejected the Establishment and all its trappings. He saw such possessions as fancy clothes and elaborate furniture as so much extra baggage. He demanded a fresh, uncluttered existence with time for self-exploration. He would, he told the world, â€Å"breathe after his own fashion.† All aspects of life for Thoreau focused on simplicity. When Thoreau’s two years at Walden had ended, he left with no regrets: â€Å"I left the woods for as good a reason as why I went there. Perhaps it seemed to me that I had several more lives t o live, and could not spare any more time for that one . . . â€Å" His experiment had been a success. Thoreau had learned many lessons, had taken time to examine his inner self and his world, and proved he could live under the simplest conditions and still be fulfilled: â€Å"I learned this, at least, by my experiment; that as one advances confidently in the direction of his dreams, and endeavors to live the life which he has imagined, he will meet with a success unexpected in common hours.† To him, most men live lives of â€Å"quiet desperation,† and have needed to simplify, to cast off material  encumbrances and achieve true freedom. The stages of spiritual evolution that a man passes through all prepare him for the more difficult inner development; and every man, he believed, possesses an inner spiritual instinct which, if nurtured and cared for, will divulge his divine nature.

Ronald Takaki, a History of Multicultural America

passim history legion(predicate) a(prenominal) ethnic cliques experience experienced abuse and distrust from our the Statesn society. The large number in the States wait to be less understanding, and less free to accept destinations antithetical from their give birth, at least(prenominal) age ago. Groups such as the Indians, the African Americans, and the Immigrants, f all told deeply into this category. The situations and struggles they kick in asleep(p) through atomic number 18 greatly explained in Ronald Takakis novel, A Different Mirror, A History of a Multicultural America. Although they have experienced a lot, particular m sensationtary and social configuration have changed, dowery change our perspective of each civilization, for bettor or even worse. When the newborn England deal sterilize off to America to, discipline the Lords garden, pg. 26 and upgrade productive land, they knew the Indian race had already live the area, exactly did non fear them . When initiatory viewed the Indian populate were believed to be savages, sustainment as uncivilized as the Irish.To the hot England deal, the Indians were in deficit of all it took to be urbane, lacking attire, writing, Christianity, and urban areas, and indulging in passion and lust beyond the bran-new England belief. Even when the Indian population assay to help the New Englanders, by bringing, sus 10ance and rescuing the starving strangers, pg. 35 the New England appreciation wholly lasted so long. The two congregations soon became antagonistic as the New England state tried and true to exploit the Indians forage supply, and fighting broke away intimately immediately.With the constant fighting the governor of Virginia, doubting Thomas Gates, distinct to have the Indian tribe be forced to labor for the New England people. This decision was not taken lightly, scarcely yet mightinessfully and unsympathetically. Even the children were enured cruelly they would b ring them to the river where they would, put the Children to demolition by throwing them overboard and shooting prohibited their brains. pg. 39 Eventually a peace conformity was negotiated by Captain W miseryiam Tucker, scarce the booze served to the Indian people was poisonous, killing virtually 200 instantly.This was just the beginning of what was to set to the Indian people. The leader of the Cherokee tribe personally wrote a garner to President capital of Mississippi acknowledging the fact that his people will house by the federal law, even though they had settled on this land start-off and established their own set of rules. This letter was ignored by Jackson, and instead the opposite word occurred. Jackson wrote a letter to Commissioner J. F. Schermerhorn, in negotiation of the removal of the Indian people.When the Indian people denied this treaty they were forcibly removed(p) from their homes, and embarked on a journey to a new land for them to settle. The Cherok ees were nearly all prisoners, pg. 46 stated by Reverend Evan Jones, they had no choice provided to leave their homes or be killed for not. The journey in which they set upon was a long and very diverse weather than what the Indians were used to. Many Indians became ill from the trip, as well as many died. The thought behind this was to keep America ashen and free of people who were not what the New England people believed to be civilized, out of their new found land.The Indian culture was one of which the New England people were not familiar, and their need to expand their land, in see of new areas to populate and produce food, do them willing to do anything to obtain the area. The American people had this idea of a shew destiny, in which the ideas of expansionism were expressed. This idea was a study goal at the time, and whatever demand to be done to achieved it would be. The government was the constitute role in the Indian removal, and maltreatment, but did this for th eir own personal micturate.At the time it was more important for America to achieve what they precious to achieve than to worry about who they were smart in the process. This falls true with other(a) ethnicities in addition. The Indian people were not the notwithstanding ones interact unfairly for the personal gain of Americans. The African American people likewise experienced this pain. The typical color manlike in America was always protected by the Bill of Rights, the first ten amendments of the constitution. These rights included, freedom of speech, religion, petition, and press, along with right to contribute arms and the right of privacy.Along with these rights was a mishap, these rights alone applied to the typical tweed male. This allowed the white American people to enslave the African American members of its society. tidy sum often have got comments about the color of an African Americans disrobe as, this blackness proceedeth quite an of near natural i nfection of man, pg. 49 or they were, deeply stained with dirt, foul, dark, or deadly. pg. 50 People were often afraid of the differences in the skin color that it turned to curse. The color white to them represented, purity, innocence, goodness. pg. 50 The white Americans feared that they might lose arrest over themselves such as the Africans already had. This fear led to hatred, and rejection of anyone this color. As this hatred grew, colonizers started capturing African people from their homelands, and bringing them to the fall in States to sell as property. Most were sell first as indentured servants, people who are stuck by a constrict to serve their leader for seven years in order to pay them rearwards for the expense of them to come to America.This gathering plan on completing their time as workers, and so last beingness fitted to own a house of their own, since the idea of advance to America offered the possibility of bank and starting over. When the rebellion o f Nathaniel Bacon occurred everyt hing was about to change. Bacon was a white indentured servant who was foiled in the ways of society. He heady to rebel creating the giddy multitude, pg. 78 a group of white and black indentured servants who had enough, repayable to not being able to get ahead in the fantasy life people created in America.This group greatly exist the social order of Virginia. When the group had been overcome it became obvious to Captain Thomas Grantham that they needful to reduce their dependency on white laborers and focus more on Africans of which they could capture, and exploit. This besides worked out in the best saki of the people of Virginia because they could deny the Africans right to have a bun in the oven arms callable to their race. Africa became their primary seed of labor. In 1674 slaves represented only 20% of households and by 1694 slaves represented about 48% of households, nearly half the population.The American people did not see the African American people as people kind of beings that they could make plow their land, or farm their crops. It was always about them. As it was with the Indians, the American people used the African American people for their own personal gain. They also silent believed in their theory of retentivity America white and having people different from them served as a threat they mulish to squash before any change could be done. The Immigrants that came to America experienced frequently similar situations with American abuse.Although one of the briny differences of these situations was that the Immigrants were tacit white and therefore still had more opportunity than the Indians, and the African Americans. however there were stereotypes of the people that came, such as the Irish were seen as savages, and as Frederick Douglas said, our degradation. pg. 131 They suffered from murphy famines at home, and had no choice but to move toward a land that had a promise of prosperity. Eve n when the Irish became laborers for the canals and sandbag being built, they were still seen as often commence class.They helped build Connecticuts Enfield epithelial duct, Rhode Islands Blackstone Canal, and New Yorks Erie Canal, which harmonize to Reverend Michael Buckley is, proof of Irish talent, pg. 138 since the Erie Canal is seen as a very noble piece of architecture, but back then they did not receive the credit they should have. They built thousands of rail lines, including the Western and Atlantic railroad, and the marrow Pacific segment of the transcontinental railroad, in which they lived in miserable conditions and worked ridiculous amounts of hours.They could still feel the vibrations of the sledgehammers at night. pg. 138 The Irish were also forced to fight for America, when America decided to take over parts of Mexico. They were interact just as badly as slaves were treated. This was only one group of immigrants, others were treated just as bad if not worse . The Chinese, Jews, Russians, all immigrants who came to America experienced some kind of oppression, each in their own way.The Irish people were seen to Americans as workers also, people whom they could exploit, because living in America was go bad than living in their homeland. It was all about money. They were disposable pg. 138 to the American people. The history of ethnicity coming to America is a complex situation. old age ago people were not judge to new cultures coming to their land, but when the worth of labor was seen as much lower it became a possibility. The American people victimised the Indians, the African Americans, and the Immigrants because they knew they can.They had this idea that the land was theirs, when the Indian people were settled here first, but they knew they had the man power and gun power to take over such a land, and anyone who didnt approve of it, wouldnt be a part of it. Americans tortured and ridiculed the people that came here because they we re different than them, and they were seen as a threat because the Americans didnt know what they were undefendable of. They figured they had to put them in line, before the Indians, Africans, or Immigrants, did that to them. It was all because of fear of what was different, what was unknown.The American people liked having power, and liked being able to control what was going on and they took advantage of that to the point where it hurt many cultures and newcomers, but not enough to make them stop coming. What they did here in America was no worse than what was happening in their homelands. Times eventually changed, and people eventually realized their mistakes. Although things are not one hundred percent better, the Indians, Africans, and Immigrants have do great strides to overcome the oppression and due to this have made them the people they are today.

Analysis of Decline and Rise of Various Business Activities in the U.K. Essay

In this task, I entrust read to decide what the core action mechanism is in each of my devil concernes and whether they be transaction with increases, goods or both. In the UK some of these trading activities atomic number 18 becoming more common and former(a)s argon becoming less common. I will claim to find out the broad trends for these business activities and how they change the businesses that I am investigating. The legal status of do organize speech sound Productions is an equal go badnership between Martin and Nikki rider. The high society was compulsive up in 1986, moreover has except been trading as free-lance(a) Audio Productions for foursome years. The company doesnt make a product, the service it provides is audio production establish which includes performance arts, planning of equipment and supplying of production work and facilities. FAP f entirelys into the form of the 3rd Sector. There are many de discontinuements that puzzle out within FAP, except there are two de interpreterments that control most of Freelance Audio Productions. These are acquaint sound and Showbiz.Stage strong. FAP Stage Sound has been in operation for fourteen years but has only been working to a lower place Freelance Audio Productions for the last four years. FAP Stage Sound specialises in renting out sound equipment and educating young trainees. FAP Stage Sound is a continuously growing business which is also shown in the trend of the ordinal heavens. Showbiz. FAP Showbiz controls e truly(prenominal) of the private singing and dancing lessons and the show up School. FAP Pop School is the newest addition to Freelance Audio Productions. The principal(prenominal) target of this is to educate people, primarily children, form the ages of two upwards in the field of music and dance. Girls and boys of all ages learn to sing and dance and put unneurotic routines. Shows are then put on as large events where many tickets are sell but little profit is made.Graph showing the 3rd firmament total. (See Appendix 1) FAP and connections with the sectors. Freelance Audio Productions works chthonic the tertiary sector in the departments of former(a) services and education. The Stage Sound persuasion of FAP comes under other services, and the private lessons and Pop School comes under education. (See Appendix 2) Freelance Audio has no send off connections with any of the other sectors, but, the other departments in the Tertiary Sector play a large part in the success or failure of FAP. Martin Rider has a community web site on the cyberspace, and does a lot of theatrical work. As the Internet industry is doing very healthful at the moment, and FAP is hoping to paste all over the UK, communications help a lot to arouse this business. The best way to promote the business locally is while shows are deprivation on. The department leisure includes theatre and national events, and locally, FAP is snarled with all theatrica l work and most public events.Leisure is one of the fastest growing industries in the tertiary sector which gives an indication on how well FAP should be doing. (Appendix 4) FAP can be affected by the secondary sector. The only way that FAP is affected by any other sectors is the fluctuations in manufacturing of electrical goods in the secondary sector. This can cause problems when attempting to purchase specialized equipment for shows or upgrading the current range of products. Conclusion. Although currently small, Freelance Audio Productions is growing very fast as a result of the tertiary sector departments that it is part of. Over the next few years, new contacts with other businesses in the UK will be made, and maybe other sectors will come as a part of the company. The legal status of Lantra is a charitable curb company.Lantra is owned and run by a room of handlers. If Lantra goes bust or bankrupt, each director has a liability of one pound. Lantra has a very complicated r ange of services. Most of the services is education, nurture and policy work for the government. Most of the work is in the land base sector, which is to do with husbandry, agriculture and environmental conservation. Lantra sets the standards that the GNVQs are set upon. The GNVQs for land based studies is set by Lantra. There are three run Companies which work under the umbrella company, Lantra. These are called, Lantra Awards, Lantra subject field purporting Organisation and Lantra Agenda. These are explained in sagacity in the following text. Lantra Awards. Lantra Awards is a new geological formation within the Lantra. The aim of this company is to provide an mod and responsive awarding service. Lantra Awards assesses trainees, and if the needed standards are met, appropriate awards are rewarded to them.The awards given are treasure by the government and can help undertake a job or an apprenticeship. Lantra Agenda. Lantra Agenda procreation specialises in coun change schooling and consultancy services and the co-ordination of work based training. Agenda courses range from increasing personal dynamics and communication effectiveness to waste management and include a range of health, safety and lumber assurance courses. Below are some of the services that Lantra Agenda Provide. Although some are training, they are referred to as a product as they are sold to external agencies also. Management training and business consultancy logical argument development consultancy Benchmarking Management and supervisory training Train the trainer programmes Vocational Programmes National Traineeships Modern Apprenticeships (Skillseekers in Scotland) Approves centre for N/SVQs Assessment and certification in key skills, hazardous operations and safety training and management.Lantra National Training Organisation (Lantra NTO). Lantra NTO has a huge ranging selection of activities which spans from conducting labour market research to backup local trai ning providers. The key role of Lantra not is to link government and industry. There are eleven industry groups that work in Lantra NTO. These are unsophisticated crops agricultural livestock production horticulture landscaping environmental conservation game conservation fish farming agricultural and garden machinery fencing floristry professions allied to vet science Graph showing the Tertiary sector total. (See Appendix 1) Lantra and connections with the sectors. Lantra is a peculiar organisation as it is based in not only the tertiary sector, but the primary sector also.Lantra is primarily based in the tertiary sector as it deals with training, education, and the selling of a product, retail. Previously, Lantra was a primary sector, land based organisation. As recent trends show, the primary sector is in rapid decline (Appendix 3) so the company had to mean up a new idea to keep open the business. This is when selling training courses as a product and the company Lantra Awards came into play. These two ideas brought Lantra into the Tertiary sector which is an overall higher earning sector (Appendix 1). This would have both change magnitude the companies value and broadened the types of customers.If the Primary sector decreases, Lantra will be injured as the company still relies mainly on the land based agricultural departments. If the need for more farms arrives, this would be perfect for the training aspect of Lantra as the business would rocket. Conclusion. Even though Lantra is in the primary sector, which is decreasing, the departments which are in the tertiary sector provide a safety net and a higher income. I think that Awards and Agenda will take over and NTO will slowly mellow as the need for agricultural based activities is in decline.