Unit-4 Discussion Research Paper Example | Topics and Well Written Essays - 250 words

Unit-4 Discussion - Research Paper Example e, youngsters begin driving practice with a base age of 151/2, and during the training, the adolescent is required to be in the organization of 25 years or more grown-up. Duty as a driver is likewise ingrained in New Hampshire by the law that expresses that youthful drivers can just vehicle a solitary traveler underneath 25 years one after another, yet this change when the driver is in the organization of a grown-up over 25 years. Another law against driving under the influence involve a fine of $500 towards a first offense (Chen, 2006). A subsequent state, which has put limitations that have helped in diminishing adolescent fatalities in light of fender bender, is Illinois. Graduated Driver Licensing (GDL) Program in Illinois has been successful in that it has expanded driving benefits for dependable and safe drivers while simultaneously recognized crazy and hazardous drivers. Through the program, driving limitation on young people who drive securely is slackened starting with one driving arranged then onto the next (Chen, 2006). Different investigations have demonstrated that there is a relationship between's GDL strategies and decrease of fender benders brought about by young drivers. Specifically, GDL has prompted decrease of mishaps brought about by 16-year-old adolescent drivers (Chen,

Alumni Stories Tina Fordham, MIA 99 COLUMBIA UNIVERSITY - SIPA Admissions Blog

Alumni Stories Tina Fordham, MIA ’99 COLUMBIA UNIVERSITY - SIPA Admissions Blog Every October, Columbians around the worldâ€"alumni, students, parents, friends, neighbors, faculty, and staffâ€"come together for Columbia Giving Day, a 24-hour online fundraising event  on Oct. 26, 2016. Our alumni are deeply committed to making a real difference in the world.  To support  Giving Day,  the work our alumni do,  and to virtually say thanks to all of SIPAs alumni who take on global issues, big and small, Ill share one alumni story a week every Friday this month.  The videos highlight the work of especially distinguished SIPA alumni, underscoring their various contributions to our society in the US and abroad. First up is  Tina Fordham, MIA ’99. Shes  the managing director and chief global political analyst at Citi, worked to develop an analytical framework to help evaluate how political, social, and economic developments at the regional and global levels were likely to affect world markets.

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Same Sex Marriages Should Be Legal Essay - 2318 Words

The federal government should get involved on the issue over same-sex marriages. Same-sex marriages should be legal nation wide. It is time that the government follows the Golden Rule to treat others as you want to be treated. The Constitution states equal justice for all, and therefore the government should pursue the fight to end marriage discrimination nation wide. Due to the conflicting problems in the different states the federal government should have the final word on same-sex marriages. Same-sex marriage permits couples of the same gender to enter into legally recognized marriage and provides them with the same legal rights as couples in heterosexual marriages. Opponents of same-sex marriages argue that the institution of marriage should apply to unions between one man and one woman. Allowing gay couples to marry opponents say it undermines the institution of marriage itself. Some who object to same sex marriages support the idea of civil union rather than marriages of the same sex. Advocates say that such unions are not fully equivalent to marriage and deprive same- sex couples of equal rights. The legislation of gay marriages is a controversial issue in many states in our country. Same-sex marriages should be permitted in all 50 states. Most of the action taken in the gay marriage debate has been through court cases mounted by gay couples who demand the right to marry. An important aspect of couples bringing cases to courtShow MoreRelatedSame Sex Marriage Should Be Legal1288 Words   |  6 Pages Marriage is not precisely the same as it used to be interpreted. For example, women used to be their husband’s property. Sometimes the women were forced to marry whoever their parents wanted them to marry and most of the time they couldn’t leave the marriage. Nowadays women have more freedom. They can vote, they can run their own business, and they can marry whichever man they want to. The laws change as the people’s mind change. As they get more comfortable with the idea, they become more openRead MoreSame Sex Marriage Should Be Legal Essay1475 Words   |  6 PagesSame sex relationships relate to when a man or woman are attracted to someone of the same gender of themselves. It is being rejected as same gender marriage denies the obvious purpose between a man and a women which is procreation (Richardson-Self, 2012). Denying same sex couples the legal right to ge t married, could mean that they are being denied their basic human rights to enjoy human benefits (Richardson-Self, 2012). However, the opposing view is that if gay marriage was granted the legal rightsRead MoreSame Sex Marriage Should Be Legal1403 Words   |  6 PagesSame-Sex Marriage â€Å"I now pronounce you†¦Ã¢â‚¬  At some point in a person’s life, they have heard or will hear those words. What follows, however, has changed somewhat over the years; although, the commitment has remained the same. Those words historically indicate that until the death of a spouse, that couple shall remain together. Who should be able to determine whom that spouse is for that person? Some people judge others for their sexuality and how it is affecting them, but they never stop andRead MoreSame Sex Marriage Should Be Legal1144 Words   |  5 PagesGay Marriage There are many issues the revolve around same-sex marriage. Many issues like: Whether same-sex should be legalized and should there be an amendment on same-sex marriage? There are multiple side to view this, but gay marriage but in my opinion gay marriage is socially accepted. it should be legal and it does affect American teens in a broad spectrum of ways. There have been a lot of issues on whether or not same-sex marriage should be legal or not. According to Burns, â€Å" The unionRead MoreSame Sex Marriage Should Be Legal998 Words   |  4 PagesSame sex marriage ought to be legalized on the grounds that it is uncivilized and unmerited. Marriage is a commitment between two people that cherish one another. In almost every country and culture, marriage is a commitment of loyalty and love. Marriage is an authority contract gathering two individuals together, furnishing them with profits of holy matrimony such as tax cuts and clinical privileges. The debate throughout most countries today is whether or not the rights of these profits and commitmentsRead MoreSame Sex Marriage Should Be Legal1659 Words   |  7 Pages Same-sex couples can hardly remember a time where they were not fighting for their right to marriage in the United States. After several court cases, California Proposition Six, and their struggle against the Defens e of Marriage Act (DOMA), same-sex couples found their way into U.S. society. Many misguided studies appealed to those opposing same-sex marriage, but after several years of integrating in society, same-sex couples found the support they were looking for. Before the Supreme CourtRead MoreSame Sex Marriage Should Be Legal899 Words   |  4 Pages In the United States, same sex marriage became legal nationwide on June 26, 2015, when the United States Supreme Court overruled the court in favor of same sex freedom and marriage. The victory of same sex marriage came to be recognized from the Obergefell v. Hodges case which was submitted when an American Ohio man was denied and regretted to get his name on his late husband’s death certificate. Same sex marriage has been a controversial social issue in the United States for several decades. SinceRead MoreSame Sex Marriage Should Be Legal1491 Words   |  6 PagesSame sex marriage is one of the most debatable issues in the modern world. Marriage has been accepted as the social union between a man and a woman for the past thousand years. Homosexuality was viewed with scorn, and marriages among same sex couples were prohibited in most cultures across the globe. However, gay relationships are slowly obtaining acceptance, as homosexuals have come to be expressive in fighting their rights to marry in the early 90’s. As homosexuality grows in acceptance in theRead MoreSame Sex Marriage Should Be Legal892 Words   |  4 PagesLove Same sex marriage is now allowed in all states across the country. But it took years and years for this â€Å"issue† to be finally laid to rest. The first state to legalize same-sex marriage was Massachusetts in 2004. There was not a last state to legalize gay marriage. The supreme court realized how many states were now legalizing it, so they just had all of the states left legalize it as well. ProCon.org supplies information that â€Å"Twenty-six states were forced to legalize gay marriage becauseRead MoreSame Sex Marriage Should Be Legal2253 Words   |  10 Pages1776). The recognition of same-sex marriage is an issue influenced by numerous factors, and debates continue to arise over whether people in same-sex relationships have the right to marriage. Marriage provides many benefits, legally, financially, and personally. Same-sex marriage can open up those in same-sex relationships to tax benefits and financial demands comparable to those afforded to and required of peo ple in opposite-sex marriages. Same-sex marriage also gives them legal protections, such as

Top 10 Emerging Consumer Behavior Trends in Recession Free Essays

Recession†¦a word that everyone these days has had at least once on their minds. Changes in our personal lifestyles and even professional directions could not help but happen. There is not so much freedom of realizing our plans and dreams. We will write a custom essay sample on Top 10 Emerging Consumer Behavior Trends in Recession or any similar topic only for you Order Now There is not so much passion any more in things that fueled us before. At the same time, the show must go on and if you are an observant marketer or a simple consumer, you must have started witnessing the following consumer trends driven by these challenging times. 1. Sellsuming† – the increased need for cash prompted most consumers become â€Å"sellsumers† as the folks behind April’s 2009 trendswatching report named them. Consumers become very creative in selling â€Å"extra† space, services or products. Great examples include: renting space (residential and even parking), reselling unwanted clothes, furniture, jewelry, providing expert advice or extra help in gardening and on. What have you done recently? 2. Fishing for low-cost entertainment – spending more time than money on entertainment, or getting entertained at home becomes another common pastime for recession-councious consumers. Some turn to online gaming, which is free and easily accessible, some arrange for more movie/favorite show nights using hulu. com or renting a bunch of DVDs on Netflix or elsewhere. According to emarketers’ analyst Paul Verna, â€Å"comScore’s measurements (up 27% more unique visits and 42% more total playing time in December 2008 than in December 2007) highlight the ongoing shift from high-cost, console-based gaming toward free, browser-based alternatives. † 3.  If affluent, buying more online with discretion – people with extra money now flock on web to keep their shopping lifestyle in a more discrete way. According to emarketers’ article, affluent shoppers comprise of one fourth of all US internet audience, mostly focusing on buying PCs and mobile devices. Online merchants – this is your audience to court these days! 4. Increased online services and social media usage – increased unemployment and job â€Å"insecurity† causes many people spend more time online while looking through the classified ads for jobs, services and then â€Å"some†. According to the Pew Research Center, the use of online classified advertising Websites doubled from 2005 to 2009. Emarketer also points out that â€Å"Twenty-two percent of US Internet users went on the sites in 2005, and in 2009, the proportion climbed to 49%. Daily use went from 4% to 9% in the same timeframe†. The â€Å"some† represents becoming more engaged in social networking sites to collectively share ideas, connections and any other information that simultaneously adds flavor to the trends # 6, 9 and 10. 5.  Smart shopping – looking for bargains offline and online becomes more usual pastime in efforts to economize on price and value, while trading in more time. Internet shopping again becomes a more preferable channel to accommodate this buying behavior. Do you use any of the shared secrets to get your best deals? 6. Increased propensity to social harmony – our natural inclination to re-prioritize our values in â€Å"cold and severe† economic climate drives us to spend more time with our families, friends and loved ones. We tend to turn to our families to get through the tough slides on the way. Companies that cater to these emerging â€Å"quality time† experiences can bolster loyalty and engagement of their existing customers and gain a number of new ones! 7. Increased value of health – focusing on health as the â€Å"real wealth† motivates increased popularity of engaging into various sports activities to maintain this â€Å"somewhat† controllable asset we all have. Finding happiness in health of bodies versus stock market is much more feasible and tangible. While gyms owners might ponder on this trend, consumers can still choose from a variety of free alternatives, including jogging, walking and biking. 8. Skills enhancement and training – laid off or not, people tend to become more genuinely interested in continuing their education to add value to their employability, or to cope with the reduced resources to maintain their career or a small business or to get distracted from the â€Å"depressed job market†. . More love and dating – who knew that recession induces romance? According to NYTimes, â€Å"Online and offline matchmakers are reporting that dating interest is up, way up. Match. com, for instance, had its strongest fourth quarter in the last seven years, and brick-and-mortar outfits like Amy Laurent International, a matchmaking service with outposts in New York, Los Angeles and Miami, say business is up 40 percent among women over the last four months. The reasons vary from more time on hands due to being unemployed or underemployed, more affordable way to meet singles online to seeking comfort in relationships during the difficult times (closer to trend # 6)! 10. Cooking from scratch to save and have fun – less money as discretional income translates into less often dining out and more cooking at home choices. Simultaniously, the propensity to cherish relationships and social affiliations drives consumers to arrange for more cookout get-togethers. Sharing a meal made from scratch both provides quality dining experience and befriends all engaged participants! How to cite Top 10 Emerging Consumer Behavior Trends in Recession, Essay examples

Operating Exposure Essay Example

Operating Exposure Paper Xian- Janssen Pharmaceutical (China) and the Euro INTERNATIONAL FINANCIAL MANAGEMENT Case Questions and Answers 1. How significant an impact do foreign exchange gains and losses have on corporate performance at XJP? What is your opinion of how they structure and manage their currency exposures? During 2003, the dramatic raise in the value of Euro against the dollar resulted in foreign exchange losses of Rmb 75 billion, out of which Rmb 60 billion were charged as 2003 cost of hedging. The year of 2003 proved to be fortunate for the XJP Company, housing fund adjustment and inventory valuation reversal recorded extraordinary gains of Rmb 70 billion. These gains had lessened the negative influence of the foreign exchange losses on the company’s net earnings resulting in a net increase of Rmb 10 billion. In 2004, The Company estimated the Euro to further appreciate relative to the US dollar. Estimated foreign exchange losses were Rmb 75 billion. Since the year 2004 is unlikely to be fortunate like 2003, the appreciation of the Euro is estimated to affect the profitability of the company and result in a reduction of 4. 6% in net earnings. I think XPY Company should consider getting raw material and finished products from suppliers, other than JJ, specifically who are based in countries where currencies are pegged to the US dollar. Moreover, the company should negotiate and discuss the possibility of setting lower internal transfer prices and applying centralized hedging practices where the parent company attempt to net transaction exposure of all its subsidiaries. . JJ has roughly 200 foreign subsidiaries worldwide. It has always pursued a highly decentralized organizational structure, in which the individual units are responsible for their own performance from the top to the bottom line of the income statement. How is this reflected in the situation XJP finds itself? Examining the case of XJP along with the losses generated from FX movements and hedging costs, decentralized organizational structure proved to be inefficient. We will write a custom essay sample on Operating Exposure specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Operating Exposure specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Operating Exposure specifically for you FOR ONLY $16.38 $13.9/page Hire Writer In this example, granting XJP Company the full responsibility to manage currency risks and bear hedging costs negatively affected the company’s profitability. However, I still believe that the management of XJP Company should be given a room of freedom (decentralization) in other areas like deciding from where to import and with whom to deal. Moreover, the company should be given the opportunity to produce more than just generic products, to positions its differentiated products and to market them. 3. What is the relationship between actual spot exchange rate, the budgeted spot exchange rate, the forward rate, and the expectations for the Chinese subsidiary’s financial results by the U. S. parent company? Actual spot exchange rate is defined as rate of a foreign-exchange contract for immediate delivery. It’s basically the actual and current price of one currency in terms of the other. The budgeted spot exchange rate is estimated by the company to be the rate of a foreign-exchange contract for immediate delivery at a certain point of time. Normally, companies estimate or forecast the spot exchange rate to plan, budget and form expectations and strategic plans. This rate can be estimated by the company’s researchers, economists or third party consultants. The forward rate is the rate of a foreign-exchange contract for future delivery With regards to the case study of XJP Company, the forecasted or budgeted spot exchange rates proved to be deviating from the actual average forward rates. For example, in 2003, the company budgeted spot exchange rate (euro/Rmb) at 8. and since the expected import purchase was million 121 euros, the company estimated import purchases to be (8. 6 X million 121 euro), which is Rmb 1. 0406 billion. However, as the actual average forward rate of the euro reached 9. 22, the company’s actual cost of imports recorded Rmb 1. 11562 billion, resulting in Rmb 75. 020 million losses due to cost of hedging. With regard to 2004 budget figures, the company budgeted spot exchange rate (euro/R mb) at 9. 8 and since the expected import purchase was million 145 euros, the company estimated import purchases to be (9. X million 145 euro), which is Rmb 1. 42296 billion. However, as the actual average forward rate of the euro reached 10. 5, the company’s actual cost of imports recorded Rmb 1. 5246 billion, resulting in Rmb 101. 64 million losses due to cost of hedging. Analyzing the effect of the exchange rate movement and cost of hedging on the financial figures of XJP, JJ underestimated the significant role played by exchange rate movement and cost of hedging on the gross cost of product sold of its subsidiary. It’s obvious that the parent company had set the objective of 20% growth in earning without considering the high cost of hedging and foreign exchange losses. 4. If you were Paul Young, what would you do? The answer to this question depends on whether Paul wants to tradeoff risk for return, in other words, it depends on whether he is concerned about meeting JJ’s objective of achieving 20% growth rate. If he decided to fulfill the JJ’s objected growth rate, then he is advised not to hedge against foreign exchange movements. Under this situation, he will expose the company to a greater currency risk, while at the same time, he would be able to meet and fulfill the required growth rate by the parent company. On the other hand, if Paul decided to hedge XJP’s position and its gross cost of goods sold against currency risk, he would definitely fail to meet JJ’s expectations due to high cost of hedging, while at the same time, he will expose his company (XJP) to a much lower currency risk. In other words, if Paul happened to be a conservative manager, he will most probably favor hedging the company’s gross cost of products sold against currency movements, therefore, sacrificing high profit rates. However, if he happened to be an aggressive and risk taking manager, them he would choose to unhedge the company’s gross cost of products sold therefore, exposing XJP Company to a much greater currency risk.

Truckers Can Your Resume Go the Distance

Truckers Can Your Resume Go the Distance Once you’ve finished your CDL schooling, it’s time to put that learning and license to good use, and a well-curated resume can get you there!  According to AllTruckJobs.com, â€Å"The major traits you want to capitalize on are which kind of certified license you have, your positive safety record, and your healthy physical exam results.† Don’t make the mistake of thinking a trucking resume needs less polished formatting or careful proofreading than a desk job application! Begin by putting your name and contact information front and center–if you don’t already have a professional email address (like Tom.Lennox@gmail.com, as opposed to HotRod9700@hotmail.com) make sure you open an account and check it regularly.Include a  Career Objective next, which is  a short statement introducing you and describing why you’re the best fit for the job, like this:  Ã¢â‚¬Å"Dry Haul Driver with over 4 years experience with zero accidents. Possesse s a Class A License.†Then move on to a list of your Professional Experience–starting with the most recent and working backwards. With concise bullet points, emphasize the specific responsibilities you mastered with each position, particularly any unusual or high-skill aspects of the job. Employers like to see well-rounded applications who have experience in all aspects of the job. Make sure you use a consistent tense and format for each bullet, (i.e. â€Å"Drove mix truck†¦, Conducted inspections†¦, Operated levers†¦,† NOT â€Å"Load materials†¦, Trained employees†¦, Follow guidelines†¦Ã¢â‚¬ ).Next is the Additional Skills section, which you can alternatively call a Highlights section and put before your experience if you’d prefer to show off your skills (or if you’ve got less on-the-job experience to promote).   This section can be an even pithier list of your defining characteristics - Reliable; Safety-minded; De fensive Driver, Customer-Oriented, Experienced Navigator; Clean DMV Record; Efficient and Punctual, etc. If your resume is looking a little barren, consider spending some time bulking it up with vehicle repair classes or even a first aid certification–anything that will make it clear you’re an asset to have on the road.Lastly, the Education and License sections! Give the name of your school and the class of your license.Have a friend with excellent communication skills look over your resume for grammar and punctuation issues, then start sending it out to land the gigs that will take you across the country in style!The Road Ready Truck Driver ResumeRead More at www.alltruckjobs.com