The Different Types of Private Schools

The Different Types of Private Schools Did you know there are more than 30,000 private schools in the United States? It can be a bit overwhelming; the possibilities for finding a quality education are virtually endless. Add to this mix, that there are many different types of schools that exist for families to choose from. Lets take a look at some of the different types of private schools that exist and what the benefits of each option might be for you.   Private School or Independent School You may not know this, but all independent schools are considered private schools. But, not all private schools are independent. Whats the difference between the two? Funding. Thats truly the one thing that separates an independent school from the rest of the private schools. Boarding Schools Boarding Schools  can simply be defined as private schools where students also live. These residential schools bring together students from all different states and even countries to live and learn in one environment. The diversity at boarding schools is usually much greater than a private day school because of the residential aspect. Students live in dormitories, similar to the college experience, and have dorm parents who also reside on campus in the dorms, as well as in separate houses on campus. Often, because students live on campus, there are more opportunities for them to participate in after-school activities, as well as weekend and evening events. Boarding school opens up more opportunities for involvement at school than a day school and can give students more independence as they learn to live on their own without their parents in a nurturing and supportive environment, which can make the transition to college much easier. Single-Sex Schools As the name suggests, these are schools that are designed around educating only one gender. These schools can be boarding or day schools, but focus on the aspects of living and learning that best support one gender. Often, military schools may be all boys, and all girls schools are known for their traditions of sisterhood and empowerment. Read this article from Laurel, a graduate of an all-girls boarding school and her story of  how the experience changed her life.   Classical Christian Schools A Christian school is one which adheres to Christian teachings. A classical Christian school emphasizes biblical teachings and incorporates a teaching model consisting of three parts: grammar, logic, and rhetoric. Country Day Schools The term country day school conjures up visions of a lovely school setting on the edge of a field or woods somewhere. Thats the idea, and typically this type of educational institution is truly a day school, meaning students dont reside on campus, like at a boarding school.   Special Needs Schools Special needs schools cover a wide range of learning disabilities including ADD/ADHD, dyslexia and other learning syndromes. They have the specially trained and certificated staff necessary to teach children with learning disabilities. These schools can also be therapeutic in nature and can benefit students who have behavioral and discipline issues. Military Schools There are over 35 private military schools in the United States. If your son or daughter dreams of a military career, then you ought to consider these fine schools seriously. Often, military schools carry a stereotype of being schools for students who need stronger discipline, but many of these schools are highly selective in nature, with rigorous academics, high expectations for student performance, and a focus on developing strong leaders. While many military schools are all boys by design, there are some that accept female students. Montessori Schools Montessori schools follow the teachings and philosophy of Dr. Maria Montessori. They are schools that only serve elementary and middle school students, with the highest grade served being eighth. Some Montessori Schools work with children as young as infants, while the vast majority - 80% to be exact - start with students ages 3-6. The approach to Montessori learning is very student-centric, with students leading the way in learning, and teachers serving more as mentors and guides throughout the process. Its a highly progressive approach, with a lot of hands-on learning. Waldorf Schools Rudolf Steiner invented Waldorf schools. Their style of teaching and the curriculum are unique. Founded in Germany in 1919, the Waldorf schools were originally founded for workers at the Waldorf Astoria Cigarette Company, at the request of the director. Waldorf schools are considered highly teacher directed. A unique aspect of Waldorf Schools is that traditional academic subjects are introduced later in life than other schools, with a strong focus on imaginative activities in the early years.   Religious and Cultural Schools Many parents want their children to be educated in a school where their religious beliefs are a focal point rather than just an add-on. There are plenty of schools to accommodate every religious requirement. These schools may be of any faith, but have the values of the religion at the core of their educational philosophies. While students dont necessarily have to be of the same religion as the school (this may vary from institution to institution) many schools do require a specific course of study related to the faith and culture. Article edited by  Stacy Jagodowski

Business Administration Education and Careers

Business Administration Education and Careers What Is Business Administration? Business administration involves the performance, management, and administrative functions of business operations. Many companies have multiple departments and personnel that can fall under the business administration heading. Business administration can encompass: Finance: The finance department manages money (both incoming and outgoing) and other financial resources for a business.Economics: An economist monitors and predicts economic trends.  Human Resources: A human resources department helps to manage human capital and benefits. They plan and direct many key administrative functions of a business.Marketing: The marketing department develops campaigns to bring in customers and improve brand awareness.Advertising: The advertising department finds ways to promote a business or the businesss products and services.Logistics: This department works to get products to consumers by coordinating  people, facilities, and supplies.Operations: An operations manager oversees the day-to-day operations of a business.Management: Managers may supervise projects or people. In a hierarchical  organization, managers may work  in low-level management, middle-level management, and top-level management. Business Administration Education Some business administration jobs require advanced degrees; others require no degree at all. This is why there are many different business administration education options. You could benefit from on-the-job training, seminars, and certificate programs. Some business administration professionals also choose to earn an associates, bachelors, masters, or even a doctoral degree. The education option you choose should depend on what you want to do in a business administration career. If you want a job at the entry-level, you may be able to begin work while you get an education. If you would like to work in management or a supervisory position, some formal education may be required before a job appointment. Here is a breakdown of the most common business administration education options. On-the-Job Training: Training is provided on-the-job. Unlike many of the other options below, you are typically paid for the on-the-job training and do not have to pay tuition. Training time can vary depending on the job.Continuing Education: Continuing education may be provided through colleges, universities, business schools, and other academic institutions. You may take courses or a short seminar to earn continuing education credits or a certificate of completion.Certificate Programs: Certificate programs tend to focus on a very specific topic, such as customer service or tax accounting. These programs are generally offered through colleges, universities, business schools, and other academic institutions. Tuition is often cheaper for a certificate program than it is for a degree program. The amount of time it takes to complete a program varies; most programs are one month to one year in duration.Associates Degree in Business Administration: An Associate in Business Administration can be earned from a college, university, or business school. You should seek out an accredited program with a curriculum that covers topics you need to know or are interested in. Most associates programs take two years to complete. Bachelors Degree in Business Administration: A Bachelor in Business Administration is a minimum requirement for many jobs in the business field. This type of degree can be earned from a college, university, or business school and typically takes four years of full-time study to complete. Accelerated and part-time programs are available. A bachelors program in business administration sometimes offers opportunities to specialize.Masters Degree in Business Administration: A Master in Business Administration, also known as an MBA degree, is an advanced degree option for business majors. An MBA may also be a minimum requirement for some jobs in the business field. Accelerated programs take one year to complete. Traditional MBA programs take two years to complete. Part-time options are also available. Many people choose to earn this degree from a business school, but a masters program can be found at many other colleges and universities with graduate-level study options.Doctorate Degree in Business Administration: A doctorate or Ph.D. in Business Administration is the highest business degree that can be earned. This option is best for students who are interested in teaching or pursuing field research. A doctorate degree generally requires four to six years of study. Business Certifications There are a number of different professional certifications or designations available to people in the business administration field. Most can be earned after completing your education or after working in the field for a specific amount of time. In most cases, such certifications are not required for employment but can help you look more attractive and qualified to potential employers. Some examples of business administration certifications include: Certified Business Manager (CBM): This certification is ideal for business generalists, MBA grads, and non-MBA grads who want a business credential.PMI Certifications: The Project Management Institute (PMI) offers several certification options for project managers at all skill and education levels.HRCI Certifications: The Human Resources Certification Institutes offers several certifications for human resources professionals at varying levels of expertise.Certified Management Accountant: The Certified Management Accountant (CMA) credential is awarded to accountants and financial professionals in the business. There are a lot of other certifications that can be earned as well. For example, you can earn certifications in computer software applications that are commonly used in business administration. Word processing or spreadsheet related certifications can be valuable assets for people seeking an administrative position in the business field. See more professional business certifications  that could make you more marketable to employers.   Business Administration Careers Your career options in business administration will depend largely on your education level as well as your other qualifications. For example, do you have an associates, bachelors, or masters degree?  Do you have any certifications? Do you have prior work experience in the field? Are you a capable leader? Do you have a record of proven performance? What special skills do you have? All of these things determine whether or not you are qualified for a specific position. That said, many different jobs may be open to you in the business administration field. Some of the most popular options include: Accountant: Industries include tax preparation, payroll accounting, bookkeeping services, financial accounting, accounting management, government accounting, and insurance accounting.Advertising Executive: Advertising executives and managers are needed to create, coordinate, and roll out advertising campaigns for every type of business that offers a product or service.Business Manager: Business managers are employed by both small and large companies; opportunities are available at every level of managementfrom department supervisor to operations management.Finance Officer: Finance officers can be employed by any business that has money coming in or going out. Positions vary from entry-level to management.Human Resources Manager: Government employs the largest percentage of human resources managers. Positions are also available in company management, manufacturing, professional and technical services, health care fields, and social service agencies.Management Analyst: Most management analysts are self-employed. About 20 percent work for small or large consulting firms. Management analysts can also be found in government and the finance and insurance industries. Marketing Specialist: Every business industry employs marketing specialists. Career opportunities also exist with research firms, civic organizations, academic institutions, and government agenciesOffice Administrator: Most office administrators work in educational services, healthcare, state and local government, and insurance. Positions also exist in professional services and within almost any office setting.Public Relations Specialist: Public relations specialists can be found in any business industry. Many career opportunities can also be found within government, healthcare, and religious and civic organizations.

The strategies of advertising Essay Example | Topics and Well Written Essays - 1000 words

The strategies of advertising - Essay Example To come up with the Assessments, you have first to consider the risks and opportunities. Some additional things to consider are the future expectations, expected competitions and the consumer attitudes. The second part: action entails what should be done about the opportunities and issues related to the assessment. For instance, the action that is to be taken with respect to technological trends, media and competition. Precisely, to address all these issues of advertising, you should make use of the product brand, its direct market and social media podia. Now this article is based on the Commercial: Men’s men and Women’s women; Acura Integra. And this is an advertisement that mainly entails the advertisement of gender televisions and commercials for instance a quoted by Steve Craig in pg. 57, â€Å"Large advertisers and their agencies have evolved the pseudo-scientific method of time purchasing based on demographics, with the age and sex of the consumer generally consi dered to be the most important predictors of purchasing behaviour† (Craig, p57). Strategies involve campaigns designed by the business to inspire potential customers to buy a product. These strategies are aimed at targeting the audience perceived to be most probably out of the populace to buy the product. Advertising strategies entail elements like price points, geographic settings, and perceived demographics of the customers, special offers and advertising media like websites, television, or billboards used to display the product. Considering our main Commercial: Men’s men and Women’s women, a gender television and commercial, we relate them to a specific drink for instance beer. It is clear that those particular ads that display beer as a guy drink and associates it’s drinking to only guys who like fishing trips, girls and bars, are missing the point (Barthel, p58). Quite the reverse, both genders can get themselves some weight after drinking this

Discuss the evolution of enamelled glass in medieval Egypt and Syria, Essay

Discuss the evolution of enamelled glass in medieval Egypt and Syria, focusing on Carboni's book Glass for the Sultans - Essay Example This includes changes in history, politics and culture during the time, all which allowed glasswork and artistic symbols to begin to alter and to show a different understanding of the social knowledge of the time. The glass making that occurred in Egypt and Seria during the medieval times was a result of newer concepts related to society. This time period was known for the ability to conquer several lands and areas, all which were beginning to build and develop politically and within the infrastructure. The Middle Eastern area, ranging from Greece to Spain and Egypt, all were moving through these main influences within politics. Many were focused on conquering neighboring countries, as well as expanding influences. More importantly, the Islamic world began to develop, with many associating the ideas of enameled glass with the religious and philosophical thought processes within the country. The glass making in this region was divided into two time periods. The first was known as the Abbasid Era, which had the time period from 750 – 868. During this time period, Alexandria and Syrian were known for developing the different enameled glass, specifically with a focus on creating intricate pieces for royalty. More importantly, the works that were created were defined by contrasts and colors that associated with religious beliefs and the idea of sacred works during the time. The second time period was linked to Egypt during the Tulunid Era, ranging from 868 – 905. This began to alter from enameled glass to stained glass surfaces, mostly seen in accessories such as lanterns and vessels. The glass used in both these eras were known not only for their ornamentation, but were also created for practical means. There was use of the stained and enameled glass for buildings and architecture while lighting different archways were the main focus of most of

Unit 2 Equlity, Diversity and Rights Essay Example for Free

Unit 2 Equlity, Diversity and Rights Essay Discriminatory practice is infringement of rights. This means that you are not respecting individual’s rights or beliefs. (Mills, 2013) There are many ways that people can discriminate against others. Discrimination can involve making a judgement on someone; whether it be for race, gender, sexuality or disability. Discrimination is an unfair act based on prejudice. Sexuality: There are many different sexualities. These include straight, lesbian, gay and bi sexual. A service provider may discriminate against a service user’s sexuality. If a gay, elderly man in a care home needs to be washed, a male member of staff might refuse to do this because it may make him feel uncomfortable knowing the man’s sexuality. This would be seen as discriminatory practice. Disability: Many care homes have service users that may have a form of disability. This can be anywhere from a learning disability, to a physical disability. Some service providers may not approach the service user (if they have a disability) to inform them something, they might just approach the nurse/carer beside them. Service providers would do this because they wouldn’t know if the service user would be able to understand. This would be discriminatory practice. Age: In a Health and Social care environment, only people under a certain age may be allowed on day trips. This would be done and the activity could involve too much physical strength and ability for the elderly service user. This would be seen as discrimination to the elderly. Social class: In a health and social care setting, people may be discriminated against due to their social class. A service user may be treated with more respect because of their higher social c lass than someone who has a low social class. For an example, someone who was very successful in life may be treated with more respect be seen as more important than others. This would be discrimination against the elderly. Religion: In a caring and social environment, religion should always be accepted and respected. In some cases it is not. Because of stereotyping, a care/social worker may refuse to deal with a service user because of their religion. For example, if a service user is muslin, a service provider may refuse to deal with them, purely because of their religious beliefs. This would be seeing as a discriminatory practice. Describe the potential effects of discriminatory practice on those who used health or social care services All of the discriminatory practises stated above would have a huge, negative impact on the service users. Sexuality: Social workers may not recommended a foster family to foster children if they are a gay couple. There would be no reasonable excuse for this act. This would be discrimination against the couple. It is likely that this would strongly affect the couple and possibly ruin their self-esteem and their confidence. Disability: In the example stated before, by not approaching the service user directly, it is indicating that you think the service user is unable to respond to what you are saying. This is discriminatory practise. This could leave the service user feeling depressed, isolated and ignored. Age: In the example used previously, if you are leaving people over a certain age out of an activity, this is limiting them to what they can do. You are leaving them out of an activity, likely to leave them feeling lonely. This is unfair and discriminatory practice. Therefore the service user may end up feeling isolated (because they aren’t involved in the group) and lose self-confidence which could affect other areas of their life. Social class: An example of someone with a low social class feeling isolated would be a former prisoner who has now moved into a care home. Service providers may assume the worse of him and therefore treat this service user with little respect. This may cause the service user to become isolated. Religion: Another discriminatory practice would be sex. If a Muslim lady was in a care home, they could be discriminated against by insisting that they would have to be dealt with by a male service provider. Another would be to offer a menu with the main meat on the dishes being pork as it is against the Muslim belief to eat pork. This would not be respecting their religious beliefs and therefore would be discriminatory practic e. This could cause the service user to suffer low self-esteem (which means that someone is losing their self-worth and self-esteem), humiliation, and worthlessness. Asses the effects on those using the services of three different discriminatory practices in health and social care settings Sexuality: If a homosexual couple were recommended to not foster children, and this did cause them to lose confidence in adopting, it could lead to depression and anxiety at their status in society. They may then feel it necessary to hide their sexual orientation. This could then make them feel unworthy in life which could lead to severe depression. Social class: If a former prisoner in the care home did feel isolated, it wouldn’t be surprising if they may rarely join into group activates. This would ultimately lower their self-confidence and mean that they would withdraw more over time. If this was to happen, they could find themselves being depressed and having very low self-esteem. Religion: If a Muslim woman was forced to be treated by a male doctor, even after asking not to be, she would be unable to use the service, purely because of her religious beliefs. This would be discriminatory practice. She would then feel humiliated, which would ruin her self-confidence. If this happened then she may not have the confidence to use the health service again which could end up with serious consequences.

Cia Covert Operations: Panama And Nicaragua :: essays research papers fc

CIA Covert Operations: Panama and Nicaragua In the 1950's, the repression of domestic political dissent reached near hysteria. In the process the CIA's covert operations, already in progress in Europe, expanded worldwide. By 1953, according to the 1970's Senate investigation, there were major covert programs under way in 48 countries, consisting of propaganda, paramilitary, and political action operations. In 1949, the agency's covert action department had about 300 employees and 47 stations. In the same period, the budget for these activities grew from $4.7 million to $82 million. In this paper I will discuss the United States' use of covert actions using Panama and Nicaragua as examples. I had planned on writing my paper on Manuel Noriega and his connections with the CIA but the more I read into him I found the major topic outlying him was much more interesting. So with that I will continue on with this paper showing my findings on the CIA and thier covert operations.   Ã‚  Ã‚  Ã‚  Ã‚  Covert operations have become a way of life and death for millions of people world wide who have lost their lives to these actions. By 1980, covert operations were costing billions of dollars. CIA Director William Casey was quoted as saying â€Å"covert actions were the keystone of U.S. policy in the Third World.†(Agee, 2) Throughout the CIA's 45 years, one president after another has used covert operations to intervene secretly, and sometimes not so secretly , in the domestic affairs of other countries, presuming their affairs were ours. Almost always, money was spent for activities to prop up political forces considered friendly to U.S. interests, or to weaken and destroy those considered unfriendly or threatening.   Ã‚  Ã‚  Ã‚  Ã‚  The friends were easy to define, they were those who believed and acted like us, took orders and cooperated. Until the collapse of communism in Eastern Europe, enemies were also readily recognized: the Soviet Union and its allies, with China having ambiguous status since the 1970's. But there were other countries the CIA took actions against who were not associated with the Soviets. Iran in 1953, Guatemala in 1954, Indonesia in 1958, Cuba in 1959, Ecuador in 1963, Brazil in 1964, Chile in 1970, Nicaragua in 1979 and Grenada in 1983 to name a few.(Agee, 2) These governments, and others attacked by the U.S., were left, nationalist, reform-minded, populist or uncooperative and U.S. hostility drove some of them to seek arms and other support from the Soviet Union. Usually, the CIA mounted covert operations to weaken and destroy the programs supporting communism by leading and advertising anti-Communist solidarity. The local elites, whose privileged position was also threatened by movements for

Cookridge Ltd Essay

Inkwell is a Public limited company and was established in 2003, seven years ago by two of its three controlling shareholders, Paul Farnon and Victoria Dawson. Two years ago Anil Gupta bought into the company and joined the board as Finance Director. The company has its head office and warehouse on the industrial estate in Birmingham, where the management team and account department resides, including a large central warehouse. 4.2 The business was set up to offer a part exchange facility online accessible 24 hours a day or physically bring them into one of the 60 shops, and supplies a complete range of re-manufactured inkjet and toner cartridges through nationwide high street shops. Its main competitors are suppliers in the cartridge supplier sector in UK. Its main internal stakeholders are its Board of Directors, being the investors and manager of the organization. Employees, they are the workers of the organization in various departments to run its operations in return for a salary. Its external stakeholders are its: Supplier’s, these are the people that provide the supplies of re-manufactured inkjet and laser toner cartridge after it has been refilled. Customers that pay on cash, order online, or buy at one of the nationwide network of shops. These customers account for 80% of Inkwell Limited revenue. Government of UK, they are interested in the performance of the business in order to be able to collect the taxes on the profit levels. 4.4 The shareholders are still heavily involved in the day to day operations with Paul Fernon as Managing Director with 40% shares with the largest share, Victoria Dawson as Sales Director with 30% shares and Anil Gupta as Finance Director with 30% shares. A qualified Accountant Alex Fox has been employed as the first member of the accountant team that reports to Michael O’Payne but have direct access to the Finance Director as well. 4.5 Inkwell Limited is organized into departments and has an equivalent of 180 employees including  the accounting de partment – see Appendix on page for a structured chart. Analysis and evaluating the system Structure and Function 5.1 The Company Accountant is Michael O’Payne who’s responsible for the running of the accounting department. The first member of the accounts team is Alex Fox with other 5 full time staff. 5.2 The computerized system in the head office is an integrated system which is linked between the different accounting functions. While in other 60 shops they are on a stand-alone basis and data and information are stored separately. 5.3 The different section of the department, its staff and responsibilities: General Ledger and Inventory- Michelle Labelle account clerk. Responsible for entering relevant data into the general ledger, keep financial control over companies inventories. Purchase ledger- Liana Khan accounts clerk. Responsible for liaising with suppliers and other associated transactions. Sales ledger- Greg Morris accounts clerk. Responsible for dealing with customers and other associated transactions. Costing- Alan Cook costing technician. Responsible for dealing with in put costs and other associated transactions. Payroll- Sharon Ward, BA (Hons) is a personnel database and wage clerk. Responsible for preparing monthly salaries and wages for all the employees and all associated transactions and second is to maintain the personnel database. 5.4 The accounting functions in details are: Processing and recording of the financial transactions of the credit customers and credit suppliers of the different sections in the accounts department. Preparation of management information’s on credit sales, credit purchases, costing and payroll associated returns and documents. 5.5 Michelle Labelle in the general ledger and inventory function: Enters all data requiring input directly into company’s cash book and its petty cash imprest system and keep financial control over the company’s inventories. If inventories get above three days’ holding in any shop Michelle has to telephone and get justifications for the variance. 5.6 Liana Khan in the purchase ledger function: Makes sure that all supplier’s invoices and credit notes are entered into the Accounts Payable Ledger, and for Subsequently arranging the payments to suppliers. 5.7 Greg Morris in the sales ledger function Uses a credit reference agency to ensure that potential new credit customers have no history of poor payments. Checks any new customer who applies is always given a line of credit after this trial period. 5.8 Alan Cook in the costing function: Uses a target costing approach, working out what the cost of each component such as ink or plastic, and Supplies management with the monthly basis, and Advises management of variances from target. 5.9 Sharon Ward in the payroll and personnel database function: Operates the company’s two payrolls prepares the pay slips from the rotas prepared by the managers for the staffs. The salaries staffs are paid monthly on the last working day of the month using the Bankers Automated Clearing System (BACS). 6 Review of the accounting system 6.1 Record Keeping System A business needs an effective and manageable recordkeeping system. This is why in the business environment with regulated accounting structures, it is vital that organizations have the necessary records of evidence to support business operations. All transaction is electronically and manually processed to be made available. The necessity to provide access to recorded information is crucial. These are information’s relating to the different accounting function, such as; Purchase Sales Payroll Cash and Banking Record keeping systems are used; To better support the performance of the organization activities and enable better decision making all throughout the structure of the organization. To make sure that information is available for future or current processes, and helps also in the improving and upgrading of the manual or computerized processes. To address any future issues that may arise internally or  externally, such as fraud, lawsuits and other an-ethical accusations. To support the employees in the different functions of the business to be more efficient, productive in the accuracy of delivering the work. Records which are processed and made available are then used to produce other financial reports. Michelle Labelle in the general ledger and inventory function record and process the different inventory, supplier’s data to make available information on: Suppliers Cost prices Selling prices Profit margins Re-order level and quantities The data is used to know the overall cost of inventory, purchase and how much owed to better plan for future costs. Greg Morris in the sales ledger function processes the cash, cheques and other financial data to ensure that information is available on demand for: Customers Selling prices Bad debt Amount customers owed This information is used for different purposes such as; it is used by the debt collection agency for the collections of debt. The use of computerized recording system is more efficient than paper base. This is due to because the use of paper base recording system is more likely to produce errors then having a computerized format that data is just inputted in. Using a computerized system is less costly and time consuming. 6.2 Internal System of Control For an organization to have efficient and effective operation of its activities, internal system of control procedures is used by the management in place to ensure that the organization achieve its goals. This is where policies and procedures come in place to establish an internal control system to maximize the detection of frauds and errors, and to minimize their occurrence also. Existing internal system of control in Inkwell limited are: Supervision of the accounts office by a Company Accountant and Senior accounts member. A staff rota is prepared by the managers to ensure adequate staff coverage for all the opening hours of their shops. An information technology policy exists which sets out rules relevant to securing the computer systems. The computer system throughout the company is password protected. Company cheques are required for authorization by the three directors & company accountant and other financial documents for approval. Reconciliation of the purchased stock against recorded inventory level. Purchases duties are segregated to minimize the risk of fraud. A credit rating agency is used to ensure that potentially new credit customers have no history of poor payments. Policy for dealing with non-payment of debt exists, and its state out the actions and procedure. Cheques and cash from customers are kept in office safe until it is banked. Internal control that is missing or can improve is: Company policies and procedures. Disciplinary measure to breach of policy or miss conduct. Management supervision. Segregation of duties Staff Recruitment procedures Staff training and Continual Professional Development. Restriction on accessing of computer systems. Enforcement on Computerize backup of financial documents. Retention and disposal of records throughout the business. Accounting standard and procedures. Risk assessment. Liquidity management. Verification and checks of accounting data. List of authorized access. Checks relating to wages paid out Credit control system. 6.3 Fraud Fraud is the use of deception with the intention of obtaining an advantage, avoiding an obligation or causing loss to someone else or to an  organization; this is the general definition of fraud. It is an unfortunate fact of life and comes in many forms and is recognized as a criminal activity in many countries including UK. Possibility and opportunity of fraud within Inkwell limited is possible due to the internal control is not efficient, efficacious, being deficient and the opportunity of fraud is there for the taking. Fraud covers a wide range of area criminal activity. Common types of fraud are: Theft – Dishonestly taking someone else’s property. False accounting – Dishonestly destroying, defacing, concealing or falsifying an accounting record for personal gain or to cause loss to someone else. Bribery and corruption – taking or giving a bribe that might influence the actions of others. Deception – Obtaining property, money, services or evading liability by deception Methods that can be used to detect fraud Fraud can be detected by the experience manager by simple observation and through experience and also through a robust internal control system. Some sigh can include: Employees acting suspiciously – looking shifty and hiding paperwork Employees with higher levels of spending than you would expect from their income Employees working long hours and taking less than the normal holiday entitlement. Employees who have a grudge against the organization. Employees who are known to be short of money. The usage of the internet to for online sale is also at risk of fraud, since customers give Debit and Credit Cards details to pay their debts. Card fraud transaction can be detected by using Business rules. Opportunity and Potential areas of risk of fraud taking place are:  £3000 worth of a particular make of cartridge was unaccounted for during reconciliation of inventory with purchase order. Goods not appearing on the warehouse inventory record. Cash and cheques are entered manually which can be easily be subject to false accounting Complaint’s on wages being underpaid Only one staff operates and have access to payroll system Lack of written instructions Computer are not logged out and locked when not in use. No system in place for warehouse or administrative employees to record and know the time they arrive and when they leave the office The usage of debit or credit card detail by customers over the internet to pay. 6.4 Working Methods and Practices The working methods used in Inkwell Limited are: Computers are attributed to each staff whether part-time or fulltime to work on. The computer systems are run on an integrated network, with all PCs linked to two printers in the department. Every shop has PCs and printers of its own. Microsoft office excel spreadsheets is used in the accounting system for recording of the different data. All computers use Windows Vista operating system and loaded with Microsoft office 2007 consisting of 80-user operating license, and one new computer loaded with Sage Payroll software to unable payroll and personnel system to be run in-house. Internet access is available on every computer with Mozilla Firefox as web browser. Password is used on the computers. Large trade customers are put on a cash-with-order basis for the first three months of business. A credit reference agency is used potentially new customers have no history of bad credit. All cash and cheques are removed from the till, leaving a float of  £50 cash in each for the start of the next day. Staff salaries are paid monthly using the Bankers Automated Clearing System (BACS). Prepared by the wage clerk, signed by the Company Accountant and banked on 24th of each month. The methods and practices can be improved in the following: All 60 computers at the shops operate on a stand-alone system. Excel Spreadsheet being used for recording accounting data. Debt collection agency being used to collect bad debt is expensive. Password used for the computers. The removal of all cash and cheques, from the individual tills are not  practiced. Backing up of computerized data. 6.5 Training Training is essential for every personnel of an organization, as it improve the ability of the staff to perform its work and therefor reducing the amount of errors and hired part time staff used to perform tasks that can’t be done inside the organization. This is why every staff must get the opportunity to continue their professional development and be skilled to perform the task at hand. Inkwell Limited does not have the proper policy and systems in place to encourage employees to be enrolled in a part time or full time course, unless they take it on themselves to address the issue to the management. Benefits of training: Staffs are updated to the accounting standard and regulations. They will be motivated to work and be more efficient due to possibility of a promotion or career opportunity being increased, therefor errors is reduced. Staff will be more skilled to meet the needs of the organization. Professionally regulated staff will be governed by a recognized code of ethics from a professional accountancy body. Will better know how to, manage the time to do the tasks, therefor becoming more flexible and productive. Development of an ethical approach to the work and to employers and clients, acquired by experience and training. WEAKNESSES IDENTIFIED Record keeping system No completion of trial balance, statutory accounts as planned. Window dressing of the accounts. Transaction accounting are not done on a day to day basis Accounting record data entry is not being viewed as apriority by Michael O’Payne and Anil Gupta. Having unusual entries found in the general ledger. Errors may occur in inputting data into the computer. Internal System of Control No proper recruitment procedures in place to hire staff that has dismiss. The existing policies are not fully followed. This includes the Computers information technology policy, with no proper password, and logging off the computer after use. A lack of internal control for detection and fraud prevention Lack of segregation of duties. No proper scheduling back up of all IT systems being followed. No proper security for the shops. No policy for Data protection. No list of authorized personnel to access certain documents. No follow up control in place to the internal controls being followed. No supervision is done to monitor the signing in and signing out in the business. For the 60 shops, computers run on a stand-alone system. No safeguard for the proper security procedures in place/security issues relating to debit and credit cards details over the internet (Identity theft). Fraud Possibility of fraud is high; this may be caused due to: Nothing is done to ensure working practices undergoes a proper way. Inadequate guidance on how to detect and deal with fraud. Low effectiveness of security systems especially the password which does not improved each time is changed and can be guessed easily. A lack of supervision, monitoring and checks of accounting activities and records kept. Debit and Credit cards usage over the internet for customers to pay their debt can be subject to identity theft. Noncompliance to internal control. Unaccounted Cartridge’s worth  £3500, with no record in inventory. Details of transactions being deleted in the database, relating to one-off significant payments. Working Methods and Practices Breach of software and user license for software in use, can bring legal action against the company. No coverage or placement of professional personnel to carry out the work of absent staff. Lack of enforcement of legal requirement trough out the business and working practice is very low due to low standards Liquidity management is very poor. Lack of motivational skills from the directors of the business. No adequate physical controls to ensure the security and safe keeping of the businesses assets so that they do not go missing or are stolen. Working conditions and schedule are not respected by the Directors, having problems prioritizing work Lack of staffs, causing over working of staffs and no coverage or placement of professional personnel to carry out the work of absent staff. Therefor agencies are hired to do the work, which is costly. Job rotation is not practiced in the organization A required computer program needs to be attributed to these functions: Invoicing which is carried out. Data on Excel spreadsheet is manually input. Training More training is needed for operating: Quickcost system Payroll and personal system: Several teething problems experienced with the integrated payroll and personnel database. Need for education is needed for: Professional approach to work. Reliability in terms of competence. How to properly handle a secure credit and debit card transaction. Recommendation Recommendations are done following the various weaknesses identified and mentioned above. Record keeping system The management must ensure that the planned working schedule is followed strictly. If problems meeting the targets occur, it should be communicated to the responsible supervisors so proper action can be taken. Working schedule should be adjusted in so that the review of the payments and all other relating transaction are done earlier so that they don’t have to window dress. Different task must be prioritized by the management, so that conflict does not occur, were task are neglected. Accounting record data entry must be prioritized by the two organization’s directors Michael O’Payne and Anil Gupta. The directors must review the benefits that will be gained. Unsure that the proper records relating to the daily business transaction are entered into the general ledger. Verify the data inputted in the computer to ensure that is correct. Internal System of Control Standard policy and guidelines of hiring staffs should be introduced, pointing out the necessary detailed document that is needed making the  process more transparent and reliable. Staffs should be sensitized of the policies in place and know the importance of respecting them. Setting up a fraud policy which sets out the way to detect and deal with fraud, throughout the different working procedure and practice. Duties should be segregated, by setting up a system, which when combined, could lead to fraud. The existing policy should be re-enforce, so that the record kept on the computers would be backed up on the server regularly to prevent loss of data instead of doing it once a day. Alarm systems should be installed for all the shops of the organization, to better protect the business assets from being stolen. Proper policy and procedures should be introduced. The Data Protection Act should be communicated to all staffs, to better protect the company’s and the customer Data. A list of authorized personnel should be produced and communicated to the staffs. Staff personnel should be put in charge of verifying that all policies in place are being followed. A logging system should be set up to have a record of who comes in the office and at what time. Such system should be monitored to ensure all staff complies. An integrated network should be set up on a server to connect the computers together with proper licensed software. Safeguards should be implemented on the procedure for transaction involving debit and credit card details provided by the customers. A standard and effective Sage Accounting package should be bought to unable: A standard layout of the invoices issued to customers. Enable data to be imported and exported from and to Excel spreadsheets. Enable better detection of errors in the different account ledgers. Fraud To reduce the possibility of fraud and make the internal control system fraud resistant, the various techniques should use: Accounting activities should be supervised on a regular basis. The records and calculation of financial document should be sampled and checked regularly for errors. Make sure that the fraud policy which will be introduced set out the way to detect and deal with fraud, throughout the different working procedure and practice and to make any adjustment necessary. Managers of the various departments should be given areas of responsibilities and answerability to ensure that fraud is kept to a minimum. Value of a business rule management system (BRMS) approach to fraud detection can be implemented. Business rules can be used  to validate various conditions for detecting anomalies that can indicate fraud. Enables institutions to react quickly in their effort to keep pace with fraudsters. Disciplinary measures or penalties should be set up for breaking an internal control or if a staff is practicing fraudulent act. Physical security should be re-enforced, locking up valuable items away, such as cash and cheques. Set up a limit to which a financial transaction should be requiring authorization, by one or more authorized signature. This may range from petty cash or cheques over a certain amount. Doing a regular reconciliation of the accounts to the financial documents to make sure they balance and errors corrected. Management should carry out Risk Assessments as part of the of an effective internal control system. Working Methods and Practices Make sure that all computers use license software in all the shops and departments, monitor that the license are not broken causing legal action to the organization. Adequate number of specialized staffs should be introduced for the coverage of staff that is absent. The business must comply with all relevant External regulations. Such as international accounting standards even government regulation from HMRC. This will aid in raising the standard of working practices. Better management of buying inventory from suppliers. Credit to customers should be reduced. The managers should undergo a management course, to learn how to better manage their business, motivate their employees through training, giving out bonuses, paying for overtime and other incentives. All assets should be recorded and proper management of the assets should be put in place, to know the life cycle. Directors should produce an effective working schedule, reducing the stress on employees. Adequate number of specializ ed staffs should be introduced for the coverage of staff that is absent. Produce an effective rota to unable the staff to rotate to different accounting functions in the organization. A standard and effective Sage Accounting package should be bought to unable: A standard layout of the invoices issued to customers. Enable data to be imported and exported from and to Excel spreadsheets. Enable better detection of errors in the different account ledgers. Training More training should be provided for: Quick cost system Payroll and personal system To ensure that staff has the necessary skills and knowledge to be more effective and reliable in their work, in terms of competence: Staffs Training should be invested in by the management, to better handle the daily tasks. Including Debit & Credit cards transactions This should include internal or external training courses for using any newly introduced accounting package. Telephone support lines made available by the software provider. Workshops on the improvement of staffs’ communications skills. Cost benefit analysis Improvement Recommended Cost of Time Benefits Time spent by manager in Training 25 hours Ãâ€" 3 Ãâ€"  £25 per hour Time spent by 5 account staff 25 hours Ãâ€" 5 Ãâ€"  £15 per hour TOTAL TRAINING COST  £ 1875 1875 3750 The work output will be more accurate due to the raise of standard. The organization will appear more professional, more efficient, meanings fewer errors and problems. Cost of hiring new Accounting staffs  £ 192000 The different responsibilities can be segregated and work will be done faster. Setting up of computers on a network – Cost of hardware – Installation cost  £ 5000 1000 6000 Access to data will be easier which will speed up the work and save time. New accounting Package – Cost of the software – Installation cost – cost of training the staff 10000 3000 3500 16500 Many routine operations will be speeded up, save time and reduces wages bill. 9.2 To carry out a Risk assessment the management will require 2 hours per month. This will discourage and reduce the risk of fraud in the accounting system by identifying the areas of the risk of fraud and then setting up a system in place to detect any possibility of fraud and then deal with it, making the system more reliable. Appendices SWOT Analysis Strengths Record keeping system Using an archiving computer package to store full accounting records. Easy access to past exact copy of company accounting transactions. Sage Payroll software was loaded in the accounts department to enable the new payroll and personnel system to be in house. Excel spreadsheets are used for maintaining the inventory information. Integrated General, Accounts payable and Accounts Receivable set of ledger principal financial accounting system. Internal system of control An information technology policy exist which sets out rules relevant to securing the computer systems. The computer system throughout the company is password protected. A credit rating agency is used to ensure that potentially new credit customers have no history of poor payment. Value of a business rule management system (BRMS) approach to fraud detection benefits: The performance of the rules is high enough to provide real-time detection of anomalies based on several criteria, including multiple sources, transaction values, card-use frequency, merchant and location of the charges. If implemented new detection policies can be activated in hours, instead of months, helping to reduce lost revenue and increase customer satisfaction and provides safety in online transaction.

Is War Ethical Essay

The question, is war ethical, should always be the first question asked and the first question answered before engaging in such a world altering, life changing endeavor. One must be sure that purpose of war is to bring peace. â€Å"That its essential aim is always peace, so if peace is forthcoming in any guise, it is morally critical for all parties to seek a return to a permanent peace rather than a momentary lapse of war† (Moseley). Unfortunately, this is not the mindset of Falcon, one of the charters in The Sirens of Baghdad. He is militant; consumed with Thanatos and with an â€Å"appetite for destruction† (Hedges 251) towards the American troops; Falcon in the event below is determined to deceive and poison the minds of his brethren against the Americans troops. The event with Falcon takes place at the barbershop in Karfr Karam. Falcon and the elders of the town are gathered there, discussing the capture of Saddam by the American force in Iraqi. After some of the elders expressed their gratitude for the Americans capturing Saddam. Falcon takes this opportunity to place his seeds of doubt. He tries to unethically persuade his brethren. He expresses to them that the Americans had no right to go after Saddam and insists that it was the people of Iraqis responsibility. He believed it was because of every Iraqi’s cowardice that Saddam tyrannized them. He references this when he said, â€Å"People have the kings they deserve† (Khadra 32). He then expressed that Saddam may have been a monster but added that he was their monster. Falcon went on to explain that Saddam was one of them and shared their blood. He added that Saddam may have been a tyrant but he was Iraqi and therefore the Americans had no business touching or going after him. Falcon expressed that he would rather have Saddam still in power rather than the infidel American troops in Iraq. Falcon believed it was the Americans’ force, not Saddam that put Iraq in dire straits. Falcon says, â€Å"Look at what they’ve made of our country: hell on earth† (Khadra 33). Falcon’s behavior is fueled by Thanatos just as the behavior of the Islamic clerics was when they were determined to convert their countrymen into devout Muslims. â€Å"They spurned the decadence of the West including what the clerics condemned as the West’s loose sexual mores, drug use and thirst for sensual gratification†(Hedges 260). In that very moment Falcon was purposely lying to demoralize the American troops. He was trying to persuade his audience that the Americans did not come to free Iraq and bring peace. Falcon felt Saddam was an excuse to take Iraq’s resources and pillage their towns and cities. He tried to fill his audience’s minds with doubt and mistrust. He was unethically deceiving his community the same way real life insurgents behave in the Iraqi war. Tariq say’s, â€Å"More and more Iraqis were fooled by the insurgents’ propaganda, and the attacks aimed at Americans and their supporters increased. My country †¦ has suffered greatly from the insurgency, and we have lost many people who believed in the U. S. message† (Abandoned in Iraq). Falcon, just like the real insurgents in Iraq dedicated to their unethical war, chose an unethical path. He spread deceitful lies and led his brethren into the jaws of Tahantos instead of guiding them towards a life of peace and happiness. The next event in The Sirens of Baghdad is fueled by the insurgents’ use of deceitful tactics. In pursuit of their unethical war, they purposely caused innocent lives to be lost in order to create media propaganda to recruit the naive young men of Iraq. They dressed in civilian clothing and hid among the people. They used the innocent women and children for cover and human shields. â€Å"A populace†¦. held hostage by a group of ragged, starving ‘rebels,’ armed with filthy rifles and rocket launchers† (Khadra 76). Their actions and behaviors are very similar to those of the real insurgency and their unethical war in Iraq. An example of this is when they gave young school children realistic toy guns to play with at the very same check points their relatives work at with US troops. This was obviously done to cause innocent bloodshed which, in turn, will create some type of media propaganda for their cause. Specialist Raven Jenks says, â€Å"It’s to train the kids to use real weapons, and also to provoke us into killing civilians† (Iraq’s young Blood). The insurgency uses this unethical tactic to create media propaganda of war. This is for the sole purpose of causing despair and rage within the people of Iraq to brainwash them and turn them against the forces that are sent to help. In the event described below, Yassen is one of the first young men in the Sirens of Baghdad to be won over by this unethical war tactic. The event takes place in the cafe in Kafr Karma. Seeds of doubt and deception have already reached the minds of Kafr Karma’s youth about American troops. Before departing for Bagdad, Sayed, Falcon’s son, purposely left a parting gift of a television for Kafr Karam’s youth at the cafe. He did this in hopes the youth would not forget his message and â€Å"that the young men of Kafra Karam would not lose sight of their country’s tragic reality† (Khadra 74). Along with the seeds of doubt and deception already planted within the young men’s minds, this gift â€Å"proved to be a poisoned chalice† (Khadra 83). It served its purpose well. The youth were griped with the images of war and enraged by the lost of innocent blood shed of their people. They began to sway to the side of the insurgency unethical war; â€Å"applauding successful ambushes and deploring skirmishes that went wrong† (Khadra 84). The young men of Kafr Karam were growing closer to Thanatos everyday and the temptation to â€Å"honor false covenants †¦. and gender† (Hedges 250),such as Saddam, was taking affect. Fully aware of the unethical wrongs Saddam committed, the youth still began to further familiarize themselves with him. Their initial delight for his capture turned to frustration. One of the youth, Yaseen, felt the publicity portraying the capture of Saddam portrayed him as a rat; dirty, confused, unshaven, and exposed to the cameras of the world. Yassen took offense to this and announced â€Å"by humiliating him like that, they were holding up every Arab in the world to public opprobrium† (Khadra 84). Yassen was clearly won over by the insurgency’s propaganda and unethical chose to aid in spreading its lies and deceit. The insurgency’s seed of doubt and deception enforced by their media propaganda enforced their campaign for the loyalty (Hedges 250) and paid off. The insurgency gained a new recruit from Kafr Karam to join their unethical war. The final event described below from The Sirens of Baghdad is a fictional example of the ultimate insanity of the insurgency’s unethical war. The Iraqi insurgency preys on the young men and boys who have been submerse in violence; â€Å"the closest analogy may be to the Taliban in Afghanistan. They offer these orphans of war a different kind of family structure cemented by the bonds of Islam†(Iraq’s Young Blood). These young Iraqis want to belong but more importantly crave purpose. Their minds are impressionable, easy to manipulate and brainwash. Making them the perfect candidates to turn into suicidal human weapons. The event described below from The Sirens of Baghdad bear witness to this product of unethical war. The main character (the narrator) turns himself into human weapon. The final event takes place in Beirut, Lebanon. The narrator has been groomed by his cousin Sayed (a member of the insurgency) since his arrival in Baghdad form Kafr Karam. The narrator, who has longed to become a suicide bomber, now receives his chance. Fully aware of his cousin’s fate, Sayed still makes the unethical decision to offer the narrator the mission. Sayed says, â€Å"you wanted some action†¦. Well, the miracle has taken place†¦. mission is now possible† (Khadra 236). The narrator accepts the unethical mission. Delighted, but aware of the possibility the narrator may change his mind before the mission, Sayed makes the unethical discussion to manipulate his young cousin once again. He says, â€Å"Kafr Karam, the forgotten, will take its place in history† (Khadra 237). Those words send the narrator into a state of purpose and honor. This is evident when he says, â€Å"He had lifted me up into the ranks of those who are revered† (Khadra 237). The narrator has made the unethical choice to become a human weapon.

Free Essays on Let Me Not To The Marriage Of True Minds

According to Shakespeare’s Let Me not to the Marriage of True Minds, when one is in love you must admit your faults. It is not love if you cannot get through a tough time in your relationship. If love is true, then both partners will stay true. Love is secure and constant; it will never change over time. It can guide you when you feel lost. If you feel that your love has gone astray, follow your heart; if it is meant to be, it will find a way back. Although no one can understand it, everyone goes the distance for love. Love is when you stick by that one person through thick and thin, no matter what. Love needs no map, it can find it’s own way blindfolded. Shakespeare states that if he is wrong about love and it can be proved, then he has never written and no one has ever experienced love.... Free Essays on Let Me Not To The Marriage Of True Minds Free Essays on Let Me Not To The Marriage Of True Minds According to Shakespeare’s Let Me not to the Marriage of True Minds, when one is in love you must admit your faults. It is not love if you cannot get through a tough time in your relationship. If love is true, then both partners will stay true. Love is secure and constant; it will never change over time. It can guide you when you feel lost. If you feel that your love has gone astray, follow your heart; if it is meant to be, it will find a way back. Although no one can understand it, everyone goes the distance for love. Love is when you stick by that one person through thick and thin, no matter what. Love needs no map, it can find it’s own way blindfolded. Shakespeare states that if he is wrong about love and it can be proved, then he has never written and no one has ever experienced love....

French Angelfish Facts

French Angelfish Facts French angelfish are part of class Osteichthyes and live in coral reefs in the Western Atlantic, from the Bahamas to Brazil and the Gulf of Mexico. Their scientific name, Pomacanthus paru, comes from the Greek words for cover (poma) and spine (akantha) due to their protruding spines. French angelfish are very curious, territorial, and often travel in pairs. Fast Facts Scientific Name: Pomacanthus paruCommon Names: French angelfish, french angel, angelfishOrder: PerciformesBasic Animal Group: FishDistinguishing Characteristics: Black scales with yellow rims in adults and black scales with yellow vertical bands in juvenilesSize: 10 to 16 inchesWeight: UnknownLife Span: Up to 10 yearsDiet: Sponges, algae, soft corals, ectoparasitesHabitat: Coral reefs in tropical coastal watersPopulation: StableConservation Status: Least ConcernFun Fact: Young French angelfish form symbiotic relationships with bigger fish. They remove parasites from other fish species and receive protection in return. Description French angelfish have thin bodies with protruding lower jaws, small mouths, and comb-like teeth. They have black scales with a bright yellow rim, and their eyes have yellow at the outer portion of the iris. Juveniles have a dark brown or black body with vertical yellow bands. As they mature, the scales begin to develop yellow rims, while the rest of the body remains black. French Angelfish, Pomacanthus paru, in Chichiriviche de la Costa, Venezuela, Caribbean Sea. Humberto Ramirez / Getty Images These fish commonly swim at depths of 15 feet, traveling in pairs in coral reefs near sponges. They are strongly territorial and will fight with neighboring pairs over areas. Due to their small bodies, French angelfish are able to swim into narrow cracks between corals to hunt and hide from predators. They swim by rowing their pectoral fins, and their long tail fins allow them to turn quickly. Habitat and Distribution French angelfish occur in coral reefs, rocky bottoms, grassy flats, and other places that provide coverage in tropical coastal waters. They have been found in the Atlantic Ocean off the coasts of Florida down to Brazil. They also appear in the Gulf of Mexico, the Caribbean Sea, and occasionally off the coast of New York. French angelfish can survive a wide variety of environments due to their salinity tolerance. Diet and Behavior Juvenile French Angelfish cleaning the tail of a Bar Jack underwater off the Yucatan peninsula. Alphotographic / Getty Images Adult angelfish’s diet mostly consists of sponges and algae. Many sponges have a V-shaped pattern due to French angelfish bites. They also eat cnidarians including zoantharians and gorgonians, as well as other aquatic invertebrate animals such as bryozoans and tunicates. Young angelfish eat algae, detritus, and ectoparasites cleaned off other fish. In reef ecosystems, young French angelfish set up â€Å"cleaning stations† for a variety of fish clients as a way for them to control parasites. They do so by touching the body of fish clients with their pelvic fins to remove parasites. This specialized function rivals other cleaners like gobies and shrimp. Client fish include jacks, morays, surgeonfish, and snappers, among many others. Adults form pairs, staying with their mate for life. These pairs search the corals for food during the day and hide from predators at night in cracks in the reefs. Despite being very territorial, adult French angelfish have been known to be very curious towards divers. Reproduction and Offspring French angelfish reach sexual maturity when they are around 3 years of age and about 10 inches long. Spawning occurs from April to September. They are nest non-guarders and reproduce in pairs via external fertilization. Unlike other fish that spawn in the open, French angelfish mate exclusively with their partner. The male and female will travel to the surface where they release both eggs and sperm into the water. The eggs are only 0.04 inches in diameter and hatch 15 to 20 hours after fertilization. These eggs develop in plankton beds until they can travel down to the coral reef. A hawksbill sea turtle feeds on a sponge while two french angelfish look on. Shot at the dive site Tormentos in Cozumel, Mexico. Brent Durand / Getty Images Conservation Status French angelfish are designated as Least Concern as assessed by the International Union for Conservation of Nature (IUCN). The organization found the population of French angelfish to be stable because the current collection for aquarium trade does not impact the global population. French Angelfish and Humans French angelfish are economically important because juveniles are collected using nets to sell to aquariums and are reared in captivity. Due to their high tolerance to environmental changes, disease resistance, and their curious personalities, French angelfish make ideal aquarium fish. Additionally, they are fished for food locally in some countries like Singapore and Thailand, although there have been reports of ciguatera poisoning. This type of poisoning is caused by eating fish that contain ciguatera toxins. Sources French Angelfish. Oceana, https://oceana.org/marine-life/ocean-fishes/french-angelfish.French Angelfish Facts And Information. Seaworld, https://seaworld.org/animals/facts/bony-fish/french-angelfish/.French Angelfishes. Marinebio, https://marinebio.org/species/french-angelfishes/pomacanthus-paru/.Kilarski, Stacey. Pomacanthus Paru (French Angelfish). Animal Diversity Web, 2014, https://animaldiversity.org/accounts/Pomacanthus_paru/.Pomacanthus Paru. Florida Museum, 2017, https://www.floridamuseum.ufl.edu/discover-fish/species-profiles/pomacanthus-paru/.Pyle, R., Myers, R., Rocha, L.A. Craig, M.T. 2010. â€Å"Pomacanthus paru.† The IUCN Red List of Threatened Species, 2010, https://www.iucnredlist.org/species/165898/6160204.

My Abilities in Finance Essay Example | Topics and Well Written Essays - 500 words - 1

My Abilities in Finance - Essay Example I resented what I saw as her painful pre-occupation with money. I told myself often that I would not grow up to be like her, at least when it came to housekeeping. On my 15th birthday, my mother gave me a small present. Thrilled, I ripped open the package, but waiting inside for me was something I wasn’t looking forward to and had never really wanted. It was a housekeeping book, the same as my mothers, only smaller. Although I hated it I had no choice but to use it. It was a present from my mother, after all, and I did not want to hurt her feelings. From that day on, whenever she was keeping her book, I would pretend to update mine too. This so-called â€Å"pretend bookkeeping† however, soon became one of my daily activities, without realizing it myself. Even in school, I would meticulously keep track of my expenses, and my pocket money. Soon, I realized that I had more and more money to spare, because knowing where my money was being spent actually helped me save a great deal, without making too many compromises. Just as I had thought before about my mother, my friends began to call me, â€Å"stingy.† I did not care, I cou ld see I was saving money, and a penny saved was a penny earned. It was almost magical. I realized the value of regularly keeping track of money, I was very aware of the money I had and made specific plans on how to spend it. I knew what I could do without in life, and what I wanted to get, and used my money accordingly. In fact, I was hoping that I could help my friends increase their savings. It was during this time that I became greatly interested in the study of finance, because I realized that making money was a whole lot about discipline, and to master the art, one had to study it. Next year on my birthday, I was lucky enough to meet someone through my mother who was working in the finance industry.           Ã‚  

For this assignment please write a one page letter to the editor Essay

For this assignment please write a one page letter to the editor. Limit your letter to 250 words and write on a topical issue, that is, one you find relevant, interesting or important - Essay Example The American constitution seems to be under assault. We now have a Congress and an executive that are attempting, actively, to lead the country to bankruptcy in order to void the constitution and draft another in their image, which will withdraw freedoms that the current constitution guarantees. Currently, America is going through fundamental transformation promised to us by President Obama. Our president, along with many senators, now considers the constitution a hindrance in pursuing their agenda. I am down hearted that some scholars openly proclaim the outdated nature of the American constitution, despite our founding fathers having established an amendment process in their wisdom. Every American who treasures peace needs to be worried as an assault is made on their freedom of speech, religious rights, and the right to defend themselves. There has been a continuous assault on our pursuit of happiness by this government that aims to take from its citizens. All that supports their ideas are idealist ideas whose end will be the destruction of the United States. Remember, the best government is that which governs the least. Rogers, Donna. â€Å"I have a Dream† To Fundamentally Transform the United States of America. 21 January 2013. Web. 22 February 2013