Will Modern Technology, Such as the Internet Ever Replace Essay Example

Will Modern Technology, Such as the Internet Ever Replace Essay Example Will Modern Technology, Such as the Internet Ever Replace Essay Will Modern Technology, Such as the Internet Ever Replace Essay Nowadays, if you dont want to sit somewhere alone and mumble to yourself, you must have good knowledge to keep conversations going. In order to know more, you have to read and analyse more information. In todays world, there are 2 main sources of information: books and the internet, which is developing at a fast pace. This creates an arguable question: Will the internet become the main source of information and books become extinct in future? For ages, books were adored as huge amount of information. However, they are being replaced by their electronic copies which affect health problems as red-eyes and vision issues. Secondly, according to lectures of Howard Berg, who is the worlds fastest reader, and to Spreeder website, e-books reduce the reading speed of readers to 25%, which makes them to sit in front of the monitor more and cause more health problems.Another good side of the real book is that you do not depend on the battery of electricity. On the other hand, real books are made of woods, which cause reducing of forests in the world and make the ecology worse. Moreover, real books take more place in your bag and, also, its quality goes down because of the usage, but e-books are compact and dont change after several usages. Thirdly, electronic information in the Internet is more and faster approachable than the real sources.For instance, one can google any specific information in seconds, rather than searching books in libraries and then scanning for the required information . Furthermore, more information can be found in the Internet, which would probably never be found as a book, or in a book. To conclude with, I would like to say that (Is it OK to begin conclusion like this? I usually begin so) books are valuable sources of information, but I believe that some day the Internet will absorb all the knowledge in al books and become the crucial source of know-how.

3 Types of Faulty In-Line Lists

3 Types of Faulty In-Line Lists 3 Types of Faulty In-Line Lists 3 Types of Faulty In-Line Lists By Mark Nichol This post includes three examples of how sentences can go wrong because the writer has failed to support the sentence structure with the proper syntactical arrangement of words and phrases in relation to each other. Discussion after each example explains the problem, and one or more revisions demonstrate solutions. 1. The training materials should be communicated in a way  that is clear, appropriate for the users, and highlights  the key benefits of the change. This type of sentence is flawed in that the writer mistakenly assumes that a verb serves more than one list item, and therefore leaves one or more items bereft of support. Here, â€Å"appropriate for the users† requires its own verb (â€Å"is appropriate for the users†) to complement â€Å"is clear,† and the phrase beginning with highlights must be attached by a conjunction to, rather than separated with a comma from, the sentence element with which it shares a verb (with the insertion of a corresponding preposition for the first element and a complementary pronoun for the final one): â€Å"The training materials should be communicated in a way  that is clear to and appropriate for the users and that highlights  the key benefits of the change.† 2. Operational risk incidents can result in significant losses to the company, the industry, and, ultimately, to investors. This sentence has an error similar to that of the previous example, but in this case, a preposition, rather than a verb, is expected to handle a syntactical burden it is not qualified to carry- â€Å"the industry,† just like â€Å"the company† and investors, must have its own preposition: â€Å"Operational risk incidents can result in significant losses to the company, to the industry, and, ultimately, to investors.† (Alternatively, all three elements can share the first instance of the preposition: â€Å"Operational risk incidents can result in significant losses to the company, the industry, and, ultimately, investors.†) 3. Traditional financial institutions have significantly enhanced their risk and compliance programs by increasing resources, clarifying roles and responsibilities, upgrading their governance frameworks, as well as maintaining higher levels of capital. Here, a list is treated as if it consists of four items, but as constructed, the sentence has three items followed by a related item set off by the phrase â€Å"as well as†; because the last item is not part of the list, the item that does finish the list must be preceded by a conjunction: â€Å"Traditional financial institutions have significantly enhanced their risk and compliance programs by increasing resources, clarifying roles and responsibilities, and upgrading their governance frameworks, as well as maintaining higher levels of capital.† Better yet, simply incorporate the final phrase, for which distinctive treatment has no justification, into the list: â€Å"Traditional financial institutions have significantly enhanced their risk and compliance programs by increasing resources, clarifying roles and responsibilities, upgrading their governance frameworks, and maintaining higher levels of capital.† Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Grammar category, check our popular posts, or choose a related post below:Using "a" and "an" Before Words3 Cases of Complicated Hyphenation20 Movies Based on Shakespeare Plays

Admission eassy Essay Example | Topics and Well Written Essays - 500 words

Admission eassy - Essay Example My vision is to provide accurate and professional work to clients. Additionally, I hope to be an internationally recognized professional and gain autonomy through offering high quality professional work that commands respect and trustworthy. Moreover, I also seek to provide both short-term and long-term solutions to my clients. Since I am an accounting major, I have great inspiration on receiving a Master’s degree in the same field. Moreover, I will be getting the skills in management and control. This has made me realize that I can do so much more with the accounting knowledge that I have within my folds. It has made me feel equipped, confident, and secure in the knowledge that the already acquired pool of knowledge in diverse fields will be put to use. My future is secured if I gain the much-needed Master’s within my folds. For my short-term plans, I wish to take the CPA exams so that my future work manifestations facilitate the experience that I have gained thus far. This will put me in a better stead than where I am at presently. It will make sure that I am in top of my educational and professional levels, which I have always thought for my own self. The most basic purpose of gaining the Master’s degree would be to let me know that I am at par with what I have planned for myself and how I need to equip myself to handle the challenges of the overwhelmingly increasing challenges and demands of modern professional field. It will make sure that I am able to merge both my experience and knowledge to good purpose because it is a much-needed proposition at the end of the day. My father has an accounting firm and a furniture store to manage. I wish to join him in the near future and be instrumental in pushing the family business to greater heights. One of my long- term plans is to be the CEO of our family business as I also endeavor, as I said before, to provide accounting and financing consulting services. I

Reflections on World's Leadership Essay Example | Topics and Well Written Essays - 2500 words

Reflections on World's Leadership - Essay Example Effective leaders are capable of setting and achieving challenging goals along with taking speedy and crucial actions even in complicated circumstances. These activities are undertaken by the leaders to outperform their opposition and also to take designed risks for the purpose of persevering in the state of failure. Effective communication skills, confidence, ability to handle others and willingness to adopt changes also exemplify good leaders. Not all leaders are able to follow these broad aspects while deploying their leadership. However, those who are able to follow are characterized as good leaders but on the other hand those who are not able to comply with the fundamental aspects of leadership can be considered to be bad leaders (Daft, 2008; Fairholm, 2011). Correspondingly, the essay will specifically highlight a good leader i.e. Mohammed bin Rashid Al Maktoum and a bad leader i.e. President Bashar al-Assad in terms of their stance in a societal context. The essay will also pr ovide an in-depth knowledge pertaining to the aspects that highlight both the leaders’ leadership style. In addition, the essay will also reflect upon valuable aspects of both the leaders that put them in good and bad leadership positions. In-depth knowledge in this respect would prove to provide valuable insights about both individual’s leadership patterns as well. Analysis of Leadership Dimensions of Two Leaders Background and Contributions of Mohammed Bin Rashid Al Maktoum According to Daft (2008), certain desirable characteristics of a preferred leader whom the followers like to follow vehemently include forward thinking, honest, inspiring and competent. With this consideration, it can be apparently observed that Sheikh Mohammed bin Rashid Al Maktoum who is currently the Prime Minister and Vice President in the United Arab Emirates possesses these valuable qualities. He is also one of the rulers in Dubai. He has been holding these positions since the year 2006 begi nning from the month of January. He was born in the year 1949 on July 15th in the Al Maktoum house in Shindagha, which is located near a famous stream of Dubai. He has been deploying his wide assortment of duties since 2006 in a very skillful and effective manner, which substantiates his competence. Also, he has been able to work upon the interests of the public which puts him in a very good position as a forward thinking leader. He had been witnessed to get involved in various activities i.e. allowing free funds in mosques and launching initiatives to support the World Health Organization (WHO) among various other activities, which prove his loyalty for the people along with his forward thinking characteristic. In addition, he displayed his leadership attributes in a diversified and well-grounded manner. There are many instances and events that corroborate his valuable contributions towards the region where he leads. In the month September 2007, it has been reported that he launche d the Dubai Cares campaign. This campaign was primarily launched for the purpose of raising money in order to educate around 1 million children in most of the poor countries. The broader aim of the campaign was to ensure Dubai's active involvement to the United Nations Millennium Development Goals. It was essentially targeted for offering the ‘Children’s Primary Education to every child’ in the UN by 2015. The amount which was donated for this campaign

Emerging Issues In Financial Management And Risk Management Finance Essay

Emerging Issues In Financial Management And Risk Management Finance Essay Housing Development Finance Corporation Limited or HDFC founded 1977 by Ravi Maurya and Hasmukhbhai Parekh, is an Indian NBFC, focusing on home mortgages. HDFCs distribution network spans 243 outlets that include 49 offices of HDFCs distribution company, HDFC Sales Private Limited. In addition, HDFC covers over 90 locations through its outreach programmers. HDFCs marketing efforts continue to be concentrated on developing a stronger distribution network. Helping Indians experience the joy of home ownership. The road to success is a tough and challenging journey in the dark where only obstacles light the path. However, success on a terrain like this is not without a solution. Our objective, from the beginning, has been to enhance residential housing stock and promote home ownership. Now, our offerings range from hassle-free home loans and deposit products, to property related services and a training facility. We also offer specialized financial services to our customer base through partnerships with some of the best financial institutions worldwide. TYPES OF RISK FACED BY THE NBFCs These are the risks that face: 1.Operational Risk:- An operational risk is a risk arising from execution of a companys business functions. As such, it is a very broad concept including e.g. fraud risks, legal risks, physical or environmental risks, etc. The term operational risk is most commonly found in risk management programs of financial institutions that must organize their risk management program according to Basel II. In Basel II, risk management is divided into credit, market, liquidity and operational risk management. The following lists the official Basel II defined event types with some examples for each category: Internal Fraud External Fraud Employment Practices and Workplace Clients, Products, Business Practice Damage to Physical Business Disruption Systems Failures Execution, Delivery, Process Management 2. Market Risk:- The day-to-day potential for an investor to experience losses from fluctuations in securities prices. This risk cannot be diversified away. Also referred to as systematic risk. The beta of a stock is a measure of how much market risk a stock faces. Market risk includes:- Interest rate risk Foreign exchange risk Equity price risk Commodity risk 3. Financial Risk:- The risk that a company  will not have  adequate  cash flow to  meet financial obligations. Financial risk is normally any risk associated with any form of financing. Risk is probability of unfavorable condition; in financial sector it is the probability of actual return being less than expected return. There will be uncertainty in every business; the level of uncertainty present is called risk. Financial risk includes:- CAPITAL RISK:- A common concern with any investment is that the initial amount invested may be lost (also known as the capital). This risk is therefore often referred to as capital risk. CURRENCY RISK:- If the invested assets are being held in another currency, there is a risk that currency movements alone may affect the value. This is referred to as currency risk. LIQUIDITY RISK:- Many forms of investment may not be readily salable on the open market (e.g. commercial property) or the market has a small capacity and may therefore take time to sell. Assets that are easily sold are termed liquid: therefore this type of risk is termed liquidity risk. HDFC selects Nt(Neural Technologies) for Risk Management HDFC, one of Indias premiers, today announced that it is using neural predictive models from Neural Technologies for risk management in its Credit Cards and other Retail Assets portfolios. HDFC selected Neural Technologies following a comprehensive proof of concept study, aimed at finding a supplier who could provide them with a superior analytical and scientific approach to reduce the delinquency rates in their credit card and retail assets portfolio. Following selection, Neural Technologies worked alongside HDFCs personnel to develop models for Credit Card Collections, Credit Card Recovery and Retail Assets (Personal Loans) Collections. The models are proving to be very successful. Rajesh Kumar, Sr Vice President of HDFC said We selected Neural Technologies based upon the performance of their models and the predicted return on investment, and we are extremely satisfied with the results achieved so far.HDFC has plans to expand its relationship with Neural Technologies and explore new areas in their business where they might benefit from Nts expertise. Arinjay Jain, Director of Neural Technologies Indian operation said, Neural predictive analytics is an ideal risk management tool, providing valuable decision-support to businesses looking to manage and reduce credit risk and fraud losses. A pioneer in this field among the Indian, HDFC has enthusiastically embraced the concept and is now starting to reap the benefits. We look forward to a long and mutually beneficial relationship between our two companies. MEASURES USED BY HDFC TO CONTROL THE RISK OF NBFCs HDFC India live with SunGards Adaptive Market Risk Indias HDFC has deployed SunGards Adaptive Market Risk technology at its head office in Mumbai to support company treasury operations. SunGard says the system will be used to support HDFCs front-to-back office processing and risk management for: money market, debt securities, foreign exchange and derivatives activities and Basel II compliance. The platform, says SunGard, will also enable the to extend its product coverage by creating new instrument types and integrating new proprietary or third party pricing models. Data model field customization, internal workflow automation via scripting and client-specific analytical ad-hoc reports may also be produced. Sudhir Joshi, treasurer, HDFC comments: adaptive will provide centralized processing out of Mumbai for cross-asset trading, risk management and back-office operations, and will help HDFC to achieve improved processing and operational efficiencies.HDFC becomes SunGards first live adaptive customer in India.

Bioclear

1. What are the reasons for and against launching Oxyglobin? Reasons FOR launching Oxyglobin| Reason AGAINST launching Oxyglobin| Setting the preferences for the customer, framing their perceptions of later entrants, becoming the standard| Risk of justifying price premium in human market vs. et| Conduct pre-emptive positioning to raise the barriers to entry in to this market| Human market much larger and more lucrative than vet market| Develop relationships with customers and build brand loyalty| Move focus from human market and create complexity in a small company with limited resources| Opportunity to define the market in the veterinarian space| The vet space learning’s may not transfer to the human market| Reduce the risk associated with putting all the focus on the human market, especially when FDA approvals are not guaranteed| Investment in vet market may not pay off, creating financial risk on launching in human market| Generate revenues to launch Hemopure| | Educate com pany on â€Å"go to market† learning curve to inform launch in human market| | First to launch in the vet market provides a pioneering advantage for Biopure| | 2.What is the current number of dogs that receive blood transfusions? 354,750 What is the potential number of dogs? 4,257,000 What is the current size in units in market for dogs? 1 bag per/small medium dog and 2 bag per/large dog 354,750*1. 5 units on average = 532,125 units What is the potential size in units in market for dogs? 1 bag per/small medium dog and 2 bag per/large dog 4,257,000* 1. 5 units on average = 6,385,500 units | Primary Care | Acute Care| | Number | 14250| 750| | Indications / Year| | | | Acute blood loss | 800| | | Would Benefit | 30%| | | Received Transfusion | 2. 50%| | | Potential Multiplier| 12| | | Transfusions / Practice| 17| 150| | | | | | Primary Care | Acute Care| Total| Current Volume | 242250| 112500| 354750| Potential Volume | 2907000| 1350000| 4257000| | | | | 3. A) If Oxyglobin were to be priced at $150/unit to the vet, what is estimate of current market size in units and $? 217,392 units and $32,608,800. 00 Potential size of market for Oxyglobin? 2,608,875 units and $391,331,250. 00 Metric | Current | Potential | Dogs receiving transfusions | 354,750| 4,257,000| Vets willing to use | 25%| 80%| Patients willing to pay 2X| 35%| 75%| Factor to use | 25%| 75%| Potential Size of market | 144,928*1. 5 = 217,392| 1,739,250*1. 5 = 2,608,875| | | | | | | B) Capacity: 300,000 units / yearCapacity is larger than the current market but lower than the potential market. It will be the limit for upside. When Hemopure is approved the decision will need to be made whether or not to expand capacity. Manufacturing costs are $15 M/ year and the raw materials are $1. 50 per unit. At 300,000 units per year, this comes to 21,740,625. Revenues at $150 X 300,000 per year are $445M. Gross profit at 300,000 units/year is $29,550,000M, before marketing sales and distribution. Based on No rthfield’s numbers, a new facility to double capacity would cost $45M to build. 4. What is the market potential (in units) of the human blood substitute market?The total potential of the human market is approximately 12242M units, although depending on the safety and efficacy of the product, effectiveness of the sales and marketing plan, and the comfort with the current blood donation practices, that number should be factored down based on potential adoption. A reasonable estimate of units would be a 20% adoption rate which would result in 2. 4M units. Chronic Anemia 3200 Acute Blood Loss 8100 Total11300 Minus Autologous 113010% Total10170 Potential Cases Borderline 1000 Field Trauma 3690% of 20000 Total1036 X 2 units each2072 Total Potential 12242 Adoption Rate 20%40%60%80%100% Thousands2448. 44896. 87345. 29793. 612242 Millions 2. 44. 97. 39. 812. 2 5.Considering the potential competition in the human market and likely entry, what is a reasonable estimate of the size of the market for Hemopure? The market entry for Hemopure is timed for 2000. Biopures competitor’s entry is scheduled and for Baxter it is 2000, Northfield is 1999. Baxter’s capacity is 1 million units/year. Northfield’s capacity is 10,000 to 300,000 if they build the new plant. The market is under capacity; Biopure’s capacity is only 300,000 units per year. A 20% penetration can be expected and this will take all of Biopure’s capacity. The size of Hemopure’s market at $600 per unit is approximately $180 M. 6. Describe a Go-to-Market strategy for Oxyglobin.A) Considering that there is considerable risk in the FDA approval of Hemopure, and all the reasons stated in question #1, Biopure should launch Oxyglobin in the veterinary market. The initial target market for Oxyglobin should be the â€Å"high incident† practices. This is where the sales and marketing effort will get the largest return on investment. In addition current volume will expa nd in these centers to exceed Biopure’s manufacturing capacity of 300,000 units per year. B) The option of using a contract distribution method is not ideal. One 15 minute visit from a sales representative with hundreds of products to discuss is not ideal in this launch situation.Oxyglobin will get lost in the mix and for this reason Biopure should use a direct selling model to launch Oxyglobin. The sales pitch for Oxyglobin should come from a representative that is well trained on the products features and benefits and overcome the cost objections that might come up. The sales representative will need to highlight the drawbacks of the â€Å"donor animal† system and close the gap in benefits between purchasing the blood from an animal bank. The emergency care vet will be making less money on Oxyglobin if it is priced at $150. 00 vs. the banked blood. The vet will either need to charge the pet owner more money or feel that the benefits outweigh the margin. The sales rep resentative will play a key role in discussing these intricacies.

Coal - 602 Words

http://www.iea.org/co2highlights/CO2highlights.pdf page 3 http://www.iea.org/papers/2009/Wind_Roadmap.pdf page 4 http://www.nytimes.com/2010/08/10/science/earth/10portugal.html?_r=1amp;hp=page Page 5 http://hubpages.com/hub/real-cost-of-fossil-fuels http://www.bp.com/genericarticle.do?categoryId=2012968amp;contentId=7065280- Page 2 http://www.nytimes.com/2010/09/16/world/europe/16hungary.html?_r=1amp;partner=rssnytamp;emc=rss Page 6 http://articles.chicagotribune.com/2010-07-10/news/ct-met-coal-plant-online-sidebar-20100710_1_coal-plant-coal-fired-peabody-energy Page 7 http://www.chicagotribune.com/health/ct-met-dirty-power-plant-20100918,0,6593923.story As Europe Kicks Coal, Hungarian Town Suffers Miners in†¦show more content†¦created by their combustion are essential policy strategies for stimulating the development of renewable energy technologies. In other words, externalities matter. But only if they are internalized - made part of transaction prices. And internalization requires government action. If the price of carbon fuels included the costs of the pollution they emit, we would buy less carbon fuel and more carbon-free fuel and we would produce less pollution. Fossil fuels have other social costs beside climate change. Their emissions cause smog and acid rain and other health hazards, and then there are the costs of protecting the supply of oil imported from abroad, sustaining the Strategic Petroleum Reserve and cleaning up the oil spills. BP estimates cost of Gulf Coast cleanup at 20 billion dollars Tide turning against coal Why Peabody Energys plant for a new coal plant seemed a better idea a decade ago The U.S. Energy Department estimates that wind turbines could provide a fifth of the nations electricity by 2030, up from about 1 percent today Just outside Chicago, a major polluter lurks Indianas State Line, one of the nations dirtiest power plants, hangs on despite environmental dangers * 1 * 2 * next * | single page The State Line Power Station in northwest Indiana is a major contributor to Chicagos chronically dirty air. The plant was built along Lake Michigan byShow MoreRelatedThe Coal Of Coal And Coal Essay972 Words   |  4 PagesIntroduction Coal is a combustible black or blackish brown sedimentary rock usually occurring in rock strata in layers or veins called coal beds or seams. The harder form such as Anthracite may be regarded as metamorphic rock because of later exposure to elevated temperature and pressure. 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