The Creation of the NAIOS Regional Organization Assignment

The Creation of the NAIOS Regional Organization - Assignment Example NAIOS is governed by five principles organs. The general assembly is the highest organ in the hierarchy. It is comprised of all the eight heads of states and an ex-official whose role is to chair assembly meetings and also acts as the head of the organization (United Nations, 2013). The ex –official is given the title of a secretary general. In this case, he or she is a non-partisan person elected by the eight members of states. The general assembly is in charge of forming commissions and committees that manage the affairs of the organization for instance peace keeping, financial control and planning as well as resource management. Second in the hierarchy is the Security Council. This arm is made up of a centralized defense force that is in charge of security in the whole region (United Nations, 2013). The council provides universal military support to countries with no defensive force such as Aldor. It also protects the region against pirates who plan to invade the harbors an d help in the control of the use of nuclear weapons by Rantania and Zwanen. The third organ is Economic and Social council. The council is made up of cabinet ministers from all the eight countries that are in charge of social and economic prospects in the region. In fourth place is the secretariat. This organ is headed by the secretary General. It acts as the center of activity in the organization (United Nations, 2013). In this case, it is involved in conflict resolution over resources for instance the conflict between Rantania and Aldonia over the Gok Harbor. NAIOS has control over political, financial, project planning and trade issues in the Eastern Africa region. The fifth organ is the international court of justice which is in charge of international prosecution and law control in the region. Its major role is to hear cases of conflict between member states. Regional history has made it hard for the organization to conduct a regional election. This is as a result of the

Energy and States of Matter Essay Example for Free

Energy and States of Matter Essay Everything changes, that is a fact. We can find changes, even in simple things that we use. Have you ever asked why does an ice cube turn back onto water when you let it stand outside the freezer? Or do you know why an ice cream melts? We knew about the three basic phases of matter – solid, liquid and gas. From our basic chemistry, we taught about the change of state or phase of matter wherein soli becomes liquid and liquid turns to gas and vice versa. The question is, why do they change phase? To really understand those phenomena, we should look onto the two different graphical illustrations of the changes of states of a substance, cooling curve and heating curve and thereby understand what is really happening on the molecular structure of a substance. Heat is very crucial in these changes on the form of certain substances. This is the energy transformed between two objects brought about by the difference on both temperatures. It means, when you let an ice cube in a plate, after a day, you will find it gone already. The heat causes the ice to melt and eventually turn it into gas and disperse it onto the air. Two types of energy involved are the Kinetic Energy (KE), the motion energy which is dependent on the mass and velocity of an object and the Potential Energy (PE), the resting energy or energy due to position and composition. Heat affects KE and said to be directly proportional to each other. As you increase the heat, the temperature increases resulting to an increase on KE. Heat, Temperature, KE and PE are the main factors why do changes on state of matter occur. Changes are due to evaporation (liquid to gas), freezing (liquid to solid), condensation (gas to liquid), melting (solid to liquid), sublimation (solid to gas) and deposition (gas to solid). All of these processes are result of the changes on the amount of heat added or removed from a certain substance, thereby increasing or decreasing the temperature thru time. Cooling Curve Cooling curve is a graphical representation of the changes of states of substances as heat is uniformly removed from it. At t0 – t1 heat is removed from the gaseous state. The average KE of the gas particles decreases as the temperature drops until it is reached at t1 where gas starts to liquefy. The temperature at which gas and liquid coexist is called liquefaction or condensation point of the substance, which is just equivalent to boiling point of the heating curve. At this time, the average PE remains constant because there is no change yet on the composition of the gas. At t ¬1 – t2 (liquefaction point) there is no change on the average KE of the particles and temperature stays at constant level. Heat is still being removed causing the decrease on Average PE. Since there is decreasing amount of heat, there is a failure to overcome forces of attraction between particles of the liquid forming gas. The gas particles are compressed and converted into liquid wherein stored PE is released. At this time, the amount of gas decreases while the amount of liquid increases, until reaching t2 where all the gases have been converted to liquid. At t2 – t3, the average KE of the liquid particles decreases and the temperature reaches low level until t3 where the liquid starts to solidify. Freezing or crystallization of substances occurs at the temperature where liquid and solid coexist. At this point, liquid is no longer a liquid but already turned onto solid state. The molecules of the liquid have been compressed as result of continuous removal of heat from the substance. This time, the average PE continues to decrease because of the amount of heat being removed. Freezing point is just equivalent to melting point in the heating curve. At t3 – t4, there is no change on the average KE and the temperature of the substance stays constant. Heat is still being removed causing a decrease on average PE of the substance. This time, the amount of liquid decreases and the amount of solid increases until reaching t4 when sufficient heat has been removed thus converting all the liquid into solid. The particles of the substance are oriented properly to form the crystalline lattice at the freezing point. Sometimes, it happens that the heat is continuously removed from the substance without crystallization. At this point, the temperature drops below its freezing point and errors in orienting the particles occur. This phenomenon is learned as Supercooling. We can reduce supercooling by introduction of a seed crystal for the crystallization to occur and thereby initiating the proper structure. Heating Curve Heating curve is just the opposite of cooling curve. The curve illustrates changes of states of a substance with uniform addition of heat to it. At t0 – t1 heat is added to the solid causing the increase on average KE of its particles. The particles are agitated making them disoriented and result into a slightly less ordered solid state. Temperature rises and at t1, solid starts to melt. T1 is termed as melting point of the substance on which solid and liquid coexist. At t1 – t2, there is no change on the average KE and the temperature stays constant. Since KE doesn’t change, average PE must increase as heat is continuously added. Now, forces of attraction between particles have been overcome because of high amount of heat. The amount of heat is being stored as potential energy. At this time, amount of solid decreases while the amount of liquid increases. Eventually at t2, sufficient heat has been added to convert the entire solid to liquid. At t2 ¬ – t3 the average KE and temperature increases. When the increasing temperature reaches t3, the liquid starts to evaporate. At this temperature (t2), liquid and gas coexist and is termed as boiling point of the substance. At t3 – t4, there is no change in the average KE and temperature remains constant. The force of attraction between liquid particles has been overcome due to addition of more heat. The amount of heat added is still being stored in form of PE. PE increases and the amount of liquid decreases while the amount of gas increases. At t4, sufficient heat has been added to convert all the liquid to gas. As oppose to supercooling, superheating also occurs where liquid is heated to a temperature above its boiling point without evaporation.

Franklin Roosevelt :: essays research papers

Franklin Roosevelt was 32nd president of the US 1933-45, a Democrat. He served as governor of New York 1929-33. Becoming president during the Great Depression, he launched the New Deal economic and social reform program, which made him popular with the people. After the outbreak of World War II he introduced lend-lease for the supply of war materials and services to the Allies and drew up the Atlantic Charter of solidarity. Once the US had entered the war 1941, he spent much time in meetings with Allied leaders. Born in Hyde Park, New York, of a wealthy family, Roosevelt was educated in Europe and at Harvard and Columbia universities, and became a lawyer. In 1910 he was elected to the New York state senate. He held the assistant secretaryship of the navy in Wilson’s administrations 1913-21, and did much to increase the efficiency of the navy during World War I. He suffered from polio from 1921 but returned to politics, winning the governorship of New York State in 1929. When he first became president 1933, Roosevelt inculcated a new spirit of hope by his skillful "fireside chats" on the radio and his inaugural-address statement: "The only thing we have to fear is fear itself." Surrounding himself by a "Brain Trust" of experts, he immediately launched his reform program. Banks were reopened, federal credit was restored, the gold standard was abandoned, and the dollar devalued. During the first hundred days of his administration, major legislation to fac ilitate industrial and agricultural recovery was enacted. In 1935 he introduced the Utilities Act, directed against abuses in the large holding companies, and the Social Security Act, providing for disability and retirement insurance. The presidential election 1936 was won entirely on the record of the New Deal. During 1935-36 Roosevelt was involved in a conflict over the composition of the Supreme Court, following its nullification of major New Deal measures as unconstitutional. In 1938 he introduced measures for farm relief and the improvement of working conditions. . In spite of strong isolationist opposition, he broke a long-standing precedent in running for a third term; he was reelected 1940. Franklin Roosevelt was a well like man by almost all of the country. He was even considered by many as a god. Much of this was in his charisma that he had, but he also surrounded himself with bright, intelligent people. Here is a listing of the members of the cabinet who were under Roosevelt: Franklin Roosevelt :: essays research papers Franklin Roosevelt was 32nd president of the US 1933-45, a Democrat. He served as governor of New York 1929-33. Becoming president during the Great Depression, he launched the New Deal economic and social reform program, which made him popular with the people. After the outbreak of World War II he introduced lend-lease for the supply of war materials and services to the Allies and drew up the Atlantic Charter of solidarity. Once the US had entered the war 1941, he spent much time in meetings with Allied leaders. Born in Hyde Park, New York, of a wealthy family, Roosevelt was educated in Europe and at Harvard and Columbia universities, and became a lawyer. In 1910 he was elected to the New York state senate. He held the assistant secretaryship of the navy in Wilson’s administrations 1913-21, and did much to increase the efficiency of the navy during World War I. He suffered from polio from 1921 but returned to politics, winning the governorship of New York State in 1929. When he first became president 1933, Roosevelt inculcated a new spirit of hope by his skillful "fireside chats" on the radio and his inaugural-address statement: "The only thing we have to fear is fear itself." Surrounding himself by a "Brain Trust" of experts, he immediately launched his reform program. Banks were reopened, federal credit was restored, the gold standard was abandoned, and the dollar devalued. During the first hundred days of his administration, major legislation to fac ilitate industrial and agricultural recovery was enacted. In 1935 he introduced the Utilities Act, directed against abuses in the large holding companies, and the Social Security Act, providing for disability and retirement insurance. The presidential election 1936 was won entirely on the record of the New Deal. During 1935-36 Roosevelt was involved in a conflict over the composition of the Supreme Court, following its nullification of major New Deal measures as unconstitutional. In 1938 he introduced measures for farm relief and the improvement of working conditions. . In spite of strong isolationist opposition, he broke a long-standing precedent in running for a third term; he was reelected 1940. Franklin Roosevelt was a well like man by almost all of the country. He was even considered by many as a god. Much of this was in his charisma that he had, but he also surrounded himself with bright, intelligent people. Here is a listing of the members of the cabinet who were under Roosevelt:

San Implementation Essay -- essays research papers fc

SAN implementation over Gigabit Ethernet A Storage Area Network is virtualized storage. A storage area network (SAN) is a dedicated, centrally managed, secure information infrastructure, which enables any-to-any interconnection of servers and storage systems. A SAN can be configured to provide a nearly infinite pool of storage that you can grow and move between servers as they need it. The storage can be added to and removed without requiring the server to be rebooted. The services provided by the server continue to operate without interruption. The primary purpose for implementing a SAN is to provide a large storage pool that multiple hosts could access. Common storage configurations involve direct attachment of storage to a host. This storage is only available for use by that host. If there were another host that needed storage, you would need to buy additional storage to install on that host. The host with excess capacity would not be able to share its storage with another host. In a SAN, all networked devices share storage capacity as peer resources; they are not the exclusive property of any one server. You can use a SAN to connect servers to storage, Servers to each other, and storage to storage through hubs or switches. A SAN carries only I/O traffic between servers and doesn’t carry any general-purpose traffic such as e-mail. Storage area networks remove data traffic, like backup processes, from the production network giving IT managers a strategic way to improve system performance and application availability. As SAN technology develops, it is growing beyond the use of any one kind of technology. A SAN can be configured to use a number of protocols such as IP or Fibre Channel over a network medium like Ethernet or ATM. FC over Ethernet supports up to 1.06 Mbps. Emerging standards that are still being defined include Gigabyte System Network(GSN) which promises full-duplex 6.4 Mbps over a 40 meter copper cable. Storage area networks improve data access. Using Fibre Channel connections, SANs provide the high-speed network communications and distance needed by remote workstations and servers to easily access shared data storage pools. IT managers can more easily centralize management of their storage systems and consolidate backups, increasing overall system efficiency. The increased distances provided by Fibre Channel technology make it easier to ... ... all of your different hosts and handle the conversion and routing of data between the servers and their virtual disks. The phrase SAN implementation over Gigabit Ethernet is a misnomer. You are using FC or SCSI disks at all times. The SAN is implemented using the common Fibre Channel or SCSI technology. The hosts however would use a variety of methods to attach to the storage pool. The usual connection methods try to avoid introducing bottlenecks between the server and the storage pool. If you combine the different links from the servers together over a 1000Base switch, you would make better use of the available bandwidth to the storage. Using Gigabit Ethernet in this way makes for an excellent low-cost connection to storage resources. Since many customers already have a Ethernet network in place the additional cost of the GSN capable switch is the only additional cost. Once the switch is attached to the SAN, the benefits of a SAN solution can be pushed out to more client computers in the company. Bibliography http://www.zdnet.com/eweek/reviews/1201/01gig.html#Reference http://www.iol.unh.edu/consortiums/ge/index.html http://www.cisco.com/warp/public/729/gigabit/index.shtml

Transition Metals

Transition Metals 1a) The d-orbitals of a free transition metal atom or ion are degenerate (all have the same energy. ) However, when  transition metals  form  coordination complexes, the d-orbitals of the metal interact with the electron cloud of the ligands  in such a manner that the d-orbitals become non-degenerate (not all having the same energy. ) The way in which the orbitals are split into different energy levels is dependent on the geometry of the complex. Crystal field theory  can be used to predict the energies of the different d-orbitals, and how the  d-electrons  of a transition metal are distributed among them.When the d-level is not completely filled, it is possible to promote and electron from a lower energy d-orbital to a higher energy d-orbital by absorption of a photon of electromagnetic radiation having an appropriate energy. Electromagnetic radiations in the visible region of the spectrum often possess the appropriate energy for such transitions. The magnitude of the splitting of the d-orbitals in a transition metal complex depends on three things: * the geometry of the complex * the oxidation state of the metal * the nature of the ligands(Kotz, J.C 1987) Kotz, J. C. ; Purcell, K. F. Chemical and Chemical ReactivitySaunders: New York, 1987, Chapter 25. Rodgers, G. E. Introduction to Coordination, Solid State, and Descriptive Inorganic ChemistryMcGraw -Hill: New York, 1994, Chapter 4. b. The origin of colour in complex ions containing transition metals Complex ions containing transition metals are usually coloured, whereas the similar ions from non-transition metals aren't. That suggests that the partly filled d orbitals must be involved in generating the colour in some way.Remember that transition metals are defined as having partly filled d orbitals. Octahedral complexes For simplicity we are going to look at the octahedral complexes which have six simple ligands arranged around the central metal ion. The argument isn't really any different if you have multidentate ligands – it's just slightly more difficult to imagine! | When the ligands bond with the transition metal ion, there is repulsion between the electrons in the ligands and the electrons in the d orbitals of the metal ion.That raises the energy of the d orbitals. However, because of the way the d orbitals are arranged in space, it doesn't raise all their energies by the same amount. Instead, it splits them into two groups. The diagram shows the arrangement of the d electrons in a Cu2+ion before and after six water molecules bond with it. Whenever 6 ligands are arranged around a transition metal ion, the d orbitals are always split into 2 groups in this way – 2 with a higher energy than the other 3.The size of the energy gap between them (shown by the blue arrows on the diagram) varies with the nature of the transition metal ion, its oxidation state (whether it is 3+ or 2+, for example), and the nature of the ligands. When white lig ht is passed through a solution of this ion, some of the energy in the light is used to promote an electron from the lower set of orbitals into a space in the upper set. Each wavelength of light has a particular energy associated with it. Red light has the lowest energy in the visible region.Violet light has the greatest energy. Suppose that the energy gap in the d orbitals of the complex ion corresponded to the energy of yellow light. The yellow light would be absorbed because its energy would be used in promoting the electron. That leaves the other colours. Your eye would see the light passing through as a dark blue, because blue is the complementary colour of yellow. | | | Examples: http://www. chemguide. co. uk/inorganic/complexions/colour. html#top 2. Transition metal compounds are  paramagnetic  when they have one or more unpaired  d  electrons. 15]  In octahedral complexes with between four and seven  d  electrons both  high spin  and  low spin  states a re possible. Tetrahedral transition metal complexes such as  [FeCl4]2? are  high spin  because the crystal field splitting is small so that the energy to be gained by virtue of the electrons being in lower energy orbitals is always less than the energy needed to pair up the spins. Some compounds are  diamagnetic. These include octahedral, low-spin,  d6  and square-planar  d8  complexes. In these cases,crystal field  splitting is such that all the electrons are paired up.Ferromagnetism  occurs when individual atoms are paramagnetic and the spin vectors are aligned parallel to each other in a crystalline material. Metallic iron and the alloy  alnico  are examples of ferromagnetic materials involving transition metals. Anti-ferromagnetism  is another example of a magnetic property arising from a particular alignment of individual spins in the solid state (. adapted from ‘’Transition Metalsa,’’ 2012, from http://en. wikipedia. org/wik i/Transition_metal#Coloured_compounds) http://en. wikipedia. org/wiki/Transition_metal#Coloured_compounds) 3.Catalytic properties The transition metals and their compounds are known for their homogeneous and heterogeneous  catalytic  activity. This activity is ascribed to their ability to adopt multiple oxidation states and to form complexes. Vanadium(V) oxide (in the  contact process), finely divided  iron  (in the  Haber process), and  nickel  (in  Catalytic hydrogenation) are some of the examples. Catalysts at a solid surface involve the formation of bonds between reactant molecules and atoms of the surface of the catalyst (first row transition metals utilize 3d and 4s electrons for bonding).This has the effect of increasing the concentration of the reactants at the catalyst surface and also weakening of the bonds in the reacting molecules (the activation energy is lowering). (http://en. wikipedia. org/wiki/Transition_metal#Coloured_compounds). The d orbitals ar e what give transition metals their special properties. In transition metal ions the outermost d orbitals are incompletely filled with electrons so they can easily give and take electrons. This makes transition metals prime candidates for catalysis.Transition metal catalysts can be very useful for oxidation/reduction reactions because their outer electrons are especially susceptible to oxidation and reduction. If an oxidized transition metal runs into a molecule it can take electrons from that molecule, thereby oxidizing the molecule. If a reduced transition metal runs into a molecule it can give the molecule electrons and reduce it. Because transition metals are easier to oxidize and reduce than other elements, this process goes faster!Transition metals can both lend electrons to and take electrons from other molecules. By giving and taking electrons so easily, transition metal catalysts speed up reactions. (http://www. chemeddl. org/resources/TSTS/Stahl/Stahl9-12/Transitionorbital s9to12. html) Transition metals as catalysts Iron in the Haber Process The Haber Process combines hydrogen and nitrogen to make ammonia using an iron catalyst. Nickel in the hydrogenation of C=C bonds This reaction is at the heart of the manufacture of margarine from vegetable oils.However, the simplest example is the reaction between ethene and hydrogen in the presence of a nickel catalyst. Transition metal compounds as catalysts Vanadium(V) oxide in the Contact Process At the heart of the Contact Process is a reaction which converts sulphur dioxide into sulphur trioxide. Sulphur dioxide gas is passed together with air (as a source of oxygen) over a solid vanadium(V) oxide catalyst. Iron ions in the reaction between persulphate ions and iodide ions Persulphate ions (peroxodisulphate ions), S2O82-, are very powerful oxidising agents.Iodide ions are very easily oxidised to iodine. And yet the reaction between them in solution in water is very slow. The reaction is catalysed by the pr esence of either iron(II) or iron(III) ions. * http://www. chemguide. co. uk/inorganic/transition/features. html#top 4. Test For Gases & Ions : http://www. pearsonschoolsandfecolleges. co. uk/Secondary/Science/14-16forEdexcel/EdexcelIGCSEBiologyChemistryPhysics/Samples/ChemistryRevisionGuide/ChemistryRevisionGuideChapter16. pdf Also Refer to Slide !

Mortgage in Saudi Arabia

Mortgage in Saudi Arabia In contemporary Saudi Arabian economy, demand for residential housing is on the rise; according to a Saudi Arabia Housing Sector Outlook, the economy’s demand for new housing is expected to grow at a rate of 18% per annum during the period of 2010 to 2013.Advertising We will write a custom assessment sample on Mortgage in Saudi Arabia specifically for you for only $16.05 $11/page Learn More The report further clarifies that by 2015, the country is in need of 1.65 million new residential units. With the hiked demand for housing, the mortgage industry has grown drastically: banking and financial institutions are tapping these markets and developing effective means to mitigate losses as a result. Demand for housing has grown due to an increasing youthful population that is setting small families at younger age; the country has a high population growth rate having doubled for the last forty years to 28.7 million, all these people have lead to the growth o f the housing industry (Saudi Arabia Economic Statistics and Indicators). This paper discusses the countries mortgage business trends. Borrowers risk and residential mortgage lending Residential mortgage lending means housing financing of homes; this is where a borrower takes a loan facility in the form of a mortgage to buy or construct a house to live in. The main difference that the facility has with commercial leading is that the bought house is expected to be the living premises of the borrower and not rented out for business purposes. The sector is the fastest growing in Saudi Arabia where young people are looking for homes to buy, or be financed to be build one. With the rise in demand of residential mortgage lending, and the need to make them affordable and protect the lenders, Shura Council has developed some lending policies. An amendment was passed in April 2011, where the countries housing authority was upgraded to a full ministry and expected to use $67 billion to build 500,000 homes; the ministry is expected to have a budget of $4 billion. In Islamic banking, of which are the majority in Saudi Arabia, residential mortgage lending follows regulations of SAMA; it happens that the lender engages into a contract by a third party, buys the house and rents the house to the customer. The amount of rent will have an element that goes to the bank as a gain from investment what is the financial benefit to the bank and another amount that goes to the principal amount.Advertising Looking for assessment on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More When lending banks and other financial institutions under the regulations of SAMA have a structure that works as the contract between the lender and the borrower; the contract is made with the prevailing condition at the time of lending taken to task; however, the situation may change creating some difficulty in the honor of the payment agr eement. Any change or chances of a change that might result to strained payment or default is called borrows risk. Borrows risk can thus be defined as the chances at which a borrower will default (willingly and unwillingly) paying the loan (Raymond, Ying-Foon and Ming 5-32). Factors you think are relevant in determining borrower’s risk When offering loans, a bank has to gauge the chances of success of the loan; the same happens with mortgage financing; the following are the factors that need to be considered: Borrowers Information When evaluating a borrower financing institutions/lenders considers the current and historical information of the lender, SAMA maintains a credit, history software were lenders are supposed to run the information of the borrower with the system and the history of the borrower will be offered. A high relationship exists between a person who have defaulted in the past and the chances that they are likely to default in the future. Those people who ha ve had a history of defaulting are given the facilities with more restricted terms or denied all together. Other than the government records, in case someone is an employee, the reputation of the company he is serving should also be looked into, there should be a letter signed by the employer guarantee the loan facility (Sfakianakis and Banque). Property Information When offering a facility, the property that is being mortgaged will be the subject of the contract; the lender values the property and determines the amount of money he is going to offer the property.Advertising We will write a custom assessment sample on Mortgage in Saudi Arabia specifically for you for only $16.05 $11/page Learn More The main concern here is that there should be value for money, properties should not be over or undervalued. When looking at the value, there should be respect to local government and ministry of land instructions regarding the amount that the property should co st. The contract should ensure that there is mutual benefit on among the two. Loan information Depending with the facility that a financier is offering, the nature will take different forms; loans are made with different packages to meet the demands of different categories of people. With increase in competition in the industry, every company is looking for the best ways it can sell to the larger community; on the other hand, the government through housing authority is seeking to improve the affordability of the facilities; it also ensures that businesspersons do not take advantage of the situation. When lenders are gauging the potential of a borrower, they consider what the borrow can afford, they put into consideration other loans that he might be financing, his living standards, his responsibilities and try to determine the amount that can be committed to the mortgage. This assists in ensuring that when someone id financing a facility, he is not pushed to the wall that he can d ecide to default payments. It is also SAMA rules that someone should commit his income to financing of loans only to a certain percentage. Side incomes are also considered (Zainab). Relationship between the three types of borrower’s risk and residential mortgage lending The above risks have interrelations and connections; when one area is overlooked, then it is likely to be the weak point of the whole process. In case the lenders observes that the prospective borrow has the potential and have good credit history, as it is required by borrowers information, then goes ahead to advance a facility without looking into loan information of the borer, then the borrow is likely to default paying the loan because he has been constraint by financial budget.Advertising Looking for assessment on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More On the other hand, loan information and property information are found to be okay but the lender overlooks borrower’s information; it is risking chances that the borrower has just made things look better but he is a defaulter. All the risk analysis tools through seeking information should be considered before advancing a loan facility to a borrower (SAMA). Global financial crisis and Saudi Arabia’s Real Estate sector According to Saudi Arabia’s commercial Real Estate sector report for the third quarter in 2010, the effect of global financial crisis was more felt in real estate’s industry than it was felt by the entire economy; the sector of the economy has been responsible for the growth of mortgage industry. The economy faced a reduction in business in the real estate of up to 10% where rental and the value of housing reduced accordingly. Global crisis brought about a contraction in lending rates in banks thus the demand for real estate’s also wen t down. People could hardly have enough money to demand for homes. In 2010, the situation seemed to have taken a different route while the government focused on a boost in the industry other than the traditional oil industry (Gulf base). Recommendations The growing population of Saudi Arabia and improved living conditions in the country is offering an opportunity for residential mortgage business; however, some measures that should be enacted by lenders to ensure they benefit from the opportunity, they include: Although Saudi Arabia is more of a capitalist nation, lenders should ensure they do not overprice their mortgages since there is high demand for the youths. Demand is higher than supply and according to law of demand, the prices should increase, as much as this is true, lenders should go ahead further and consider value for money. They should not overprice and take advantage of the high demand. Learning from experience is important since the failure of the United States mortg age industry in 2007 was because of unjustified increases in mortgage prices. I would recommend my bank to consider the borrower and value for money; this will lead to continued flow of customers. The next important factor that the bank should look into is the historical background of the borrower, the credibility of the borrower should be proved beyond doubtful doubts. In case of a red flag, the company should hold back and analyze the situation. To be sure, of credibility, third parties like employers, other bank’s statements, spouse consents, and utility bills holders should be consulted. With globalization, I would develop flexible mortgages facilities that allows for restructuring of loans; however, it should be in accordance to SAMA regulations. Gulf base.  Kingdom Of Saudi Arabia. GCC Stock Market, 2010. Web. Raymond, Chiang, Ying-Foon Chow, and Ming Liu. Residential Mortgage Lending and Borrower Risk: The Relationship between Mortgage Spreads and Individual Charact eristics. The Journal of Real Estate Finance and Economics 25.1 (2002): 5-32. Print. SAMA. Saudi Arabian Monetary Agency. Saudi Arabian Monetary Agency, 2010. Web. Saudi Arabia Economic Statistics and Indicators. Economy Watch. 2010. Web. Sfakianakis, John, and Banque Fransi. Saudi Arabia Economics. Web. Zainab, Fattah. Saudi Arabia’s Mortgage Law Advances Amid Mideast Unrest. 2011. Web.

War on terror essays

War on terror essays Today as Americans, our top concern is our war on terror, national security. Prior to September 11th 2001 American has lived with no fear excluding the elderly who had witnessed the attack on Pearl Harbor. We did not have any knowledge that terrorists would or could attack us here at home, nor did we really pay attention to words like Al Quadi or Taliban. Now as we are considered victims we are aware of the terrorist groups and of course the notorious Osama Bin Ladin. Now that were no longer just saviors of terrorists attacks we can learn and set the standard to all countries victims or witnesses on how to maintain national security. On the 11th of September an everyday tool of transportation was used as a weapon to destroy and massacre. As we have stepped back to understand the reasoning, which only a terrorist can comprehend more importantly, we have focused on how to prevent an event like this happening again. On September 20,2001 President Bush proposes a new Office of Homeland Security which he has make his top priority since. In November 2002 Bush singed the Homeland Security Act. He started that this Act is to protect our citizens against the dangers of a new era. With my signature, this act of Congress will create a new Department of Homeland Security, ensuring that our efforts to defend this country are comprehensive and united. The new department will analyze threats, will guard our borders and airports, protect our critical infrastructure, and coordinate the response of our nation for future emergencies. The Department of Homeland Security will focus the full resources of the American government on the safety of the American people. This essential reform was carefully considered by Congress and enacted with strong bipartisan majorities. From the morning of September the 11th, 2001, to this hour, America has been engaged in an unprecedented effort to defend our freedom and our se curity. As of...

What is the significance of dr essays

What is the significance of dr essays What is the significance of dreams in Of Mice And Men The book Of Mice and Men was written by a man called Steinbeck. This novel deals with the plight of migrant labourers in California during the great depression, set around the 1930s after the great Wall Street crash. At that time morale and money was at an all time low. A lack of jobs forced men to travel to seek employment, causing familial divides and creating the itinerant workforce. Steinbeck not only wrote about what he knew, having been a ranch worker himself, he wrote about that which fascinated him. One of Steinbeck's favourite books was Le Morte d'Arthur, Sir Thomas Mallory's retelling of the stories of King Arthur and the Knights of the Round Table, and the King Arthur legends play a part in several of Steinbeck's works. One of those legends was Sir Galahad's search for the Holy Grail, the cup from which Jesus was said to have drunk. Finding the Grail will cause all sins to be forgiven, according to the knights. Throughout literature, the Grail serves as a symbol of that which is sought but can never be possessed. Galahad was the only knight pure enough to find and touch the Grail, but once he touched it, he died and his spirit went to heaven. This novel concerns itself with many characters who search for their Holy Grail is never realised, and whose quests, like many of the Arthurian legends, are ruined by women. But what fascinated Steinbeck most was n ot simply the concept of the Holy Grail, but the idea that human nature allows us to hope for and believe in something so desperately despite knowing that it will never be achieved, something he termed as both the greatest human quality and the greatest curse. The focus of the book is on two random migrant workers, George and Lennie. These two characters are believed to represent the masses, they symbolise the new American worker. George is by necessity a rational realist ...

Early Western Civilization (4000-1000 B.C.E.) History Research Paper

Early Western Civilization (4000-1000 B.C.E.) History - Research Paper Example 2008). The pastoral peoples of these societies played a significant role in the history. It was the start of emergence of new states in the third and second millennia BCE. Eurasia was militarized, and major trends were seen in Eurasia and Africa. It all began when irrigation was started on the floodplain of Mesopotamia in Southwest Asia, which initiated a drastically novel trial in human organization on earth. Although the valleys of the lower Tigris and Euphrates were rainless, yet they had an abundant supply of water due to which these areas could provide land to vast concentrations of population, and could support higher cultural density than any hill country. 4000 BCE was followed by the emergence of large walled cities along the two rivers. This paper details the chronological series of developments in the western world history from 4000 to 1000 BCE. Spielvogel (2011, xxix) writes in his book that, â€Å"Although early civilizations emerged in different parts of the world, the foundations of Western civilization were laid by the Mesopotamians and the Egyptians.†i These were the people who struggled with the newly emerging problems of the new states and communities in 3000 BCE (Noble 2008, 14). This era saw the emergence of major civilized societies. The appearance of four great floodplain civilizations was significant. First was in Mesopotamia, which was followed by a second one in the Nile valley, and the third one appeared in the Indus valley in 2500 BCE. These civilizations had a great impact upon each other through intercommunication, agriculture and trade. Then, the fourth civilization appeared in the Yellow River valley of northwestern China. Agriculture went on spreading, and urban centers emerged on the rain-watered lands of Syria and the island of Crete. When agriculture and trade was extended on large areas, new complicated societies arose in the Aegean Sea Basin and Western Europe. It was the era when most of the population of the world r esided in small farming areas, with the main occupation of hunting and foraging. This population had to make a lot of struggle to adapt to the changing world of new civilizations. New social circumstances demanded a lot of effort on their part. This was also the era of pastoralism- the emergence of pastoral peoples (Embree and Gluck 1997, 916). Larger communities that emerged in Eurasia and Africa fed on animals, which were the main source of food in those areas. The pastoral peoples started migrating from the steppes of Central Asia in the second millennium BCE, and this brought about a major change in the west including Europe, and the Mediterranean basin to India. Spielvogel (2011) writes that these people developed writing and created literature that tells about the culture and societal values of their era. They also constructed monumental architecture which symbolized their power and culture. It was the era of militarization of some societies and appearance of new kingdoms, in which the main language belonged to the Indo-European family. This era also saw some of the most fundamental inventions, discoveries and institutions of the world, which also formed the basis of subsequent communities and civilizations. 4000 BCE is also famous for its great flood stories whose archeological evidence has been found in 1929, which showed that there was a great flood at Ur near the Persian Gulf in the delta of the Tigris and Euphrates Rivers. These floods were considered as punishments from God, because they were also talked about in the Epic of

Theater Art Essay Example | Topics and Well Written Essays - 500 words - 1

Theater Art - Essay Example He has let himself in using a killing machine, i.e, a gun. The picture on the wall shows a painting of a forest where the trees cast long, dark shadows, in tune with the general atmosphere of threat radiated by the character in the frame. The frame of the painting is dark, the back of the door behind the hitman is dark and the overall lighting is focused upon the character, showing his progress into the dark room. The darkness could hide many secrets, the darkness associated with the character in every aspect from the clothes to his dark hair, are all suggestive of evil. . The painting of the forest and the darkness of the shadows appears to be only the external reflection of the evil raging inside the character. In this particular shot, as the killer enters the room, his stance and posture suggest his state of mental readiness for action. His glance veers towards the left, towards the wall and TV, as of seeking out in advance, anything or anyone that could be hiding there. The facia l expression and stance suggest a cold ruthlessness, an impression that is conveyed without the use of any overtly threatening signs or gestures, other than the large gun in his hand. The evil emanates from the character in a quietly menacing way.

International Economic Essay Example | Topics and Well Written Essays - 1750 words

International Economic - Essay Example This would lead customers to prefer the old company than the new one and thus the infant industry would be trapped in a vicious cycle and in the end would have to close down. The infant industry argument is regarded as one of the greatest arguments of protection known. The argument claims that newly developed small firms should be granted some protection for their survival. The new firms have very little chance of competing with the already established and flourishing old firms in the developed countries that is why they require some sort of protection to enable their survival. The already established industries have more exposure to the world and have greater knowledge of the ways of production, market, labor etc and are able to sell their goods at a lower price in the international market without suffering any kind of loss, in fact for a greater profit. On the other hand, a firm producing the same product in a relatively new setup industry would not have the same production technologies available to it. The employees and the management would lack the experience and knowledge. A head on competition with the old industries, would make them a cripple and they might have to close down. Now narrowing it down to the international scenario, we see that developing countries are the ones that need the protection more. They lack the basic resources required to establish an industry and even if established they have little resources or talent to keep it thriving. Instead they become victim to the developed countries, and can not meet their standard of production, quality, expertise etc. The under developed nations lack human resources and therefore can not develop the natural ones. As the porter model suggests the availability of raw material can not give an industry a competitive edge until and unless we are able to develop and upgrade them. However the third world country lacks the modern technology and knowledge base that the developed countries possess. Therefore no matter how hard they fight, no matter what advertising policies they adopt, it is very difficult for them to come up to the mark and challenge the old firms. Thus the laws of humanity suggest that some so rt of protection must be given to "infant industries" for the purpose of their survival. These protections can be given in many forms. For instance, Quotas. For many years, the textile industry of Pakistan, India and Bangladesh have been given subsidies. Also protection can be given in the form of import tariffs. With this the domestic price of the goods will rise and the imports will decrease from the rest of the world. If the prices are raised within a certain limit then the firm would be able to cover its high production costs and then remain in business. After a span of some years, these firms would acquire more experience and knowledge which in turn would lead to them being able to produce more cheaply. The firms would then do the same things that the developed country firms did and thus would be able to improve even more. So protection in simple words, gives an infant industry time to settle into the fast paced world. Furthermore since the firm's production efficiency would improve, the

Health Care Research Paper Example | Topics and Well Written Essays - 2000 words

Health Care - Research Paper Example Because of this, some hospitals have resulted in using patients’ demographic data. Robertson, J & Pettypiece, S. (2014). Hospitals are mining patients’ credit card data to predict who will get sick. Retrieved from The healthcare sector is made up of different industries including the pharmaceutical industry, hospitals and health insurers. Investors can invest in individual industries or the entire sector. The aim of the report is therefore to analyze investment in these industries. The paper examined whether drug studies which are funded by pharmaceutical companies are manipulated to favor them. According to Lexchin et al., (2003), there is enough reasons to believe that most drug research which are funded by pharmaceutical companies favor them. Most of the companies which carry out the research would not like the pharmaceutical companies to have a bad reputation especially when there are other rug companies which are producing the same medicine as these would lead the financier to make big losses. Study was done on Medline and Embase publications from January, 1966 to December, 2002 and January, 1980 to December, 2002 respectively. The only journal which were included were those which compared the quality of research outcomes of studies sponsored by Pharmaceutical companies and those sponsored by other sources (Lexchin et al., 2003).The authors found 30 articles which met their requirement. The following results were found. Out of the 30 publications, 26 reported the relationship between the source of income and the outcome. While, 6 articles investigated the effects on publication, 5 articles examined the result of the pharma economic studies and finally 13 determined the relationship between the methodological quality and source of

Economic and political integration in EU Essay Example | Topics and Well Written Essays - 2500 words

Economic and political integration in EU - Essay Example The first of course was the founding of the European Economic Union (EEU). The second was the witness of regime change; the emergence of a liberal substitute wherein the state was harnessed by a common economic rule. The third, thanks to globalisation, saw the revival of economic liberalism as a doctrine, and the fourth; saw during the final decade of the century, the integration process of states suffer a series of eventually correctable setbacks that still peril the Union (John Gillingham, p.xiii, Preface, 2003). The European Union is unique among international organisations, in that, it has a complex yet well developed system of law, directly affecting its member states. The EU constitutes a law that draws mutual social and economic benefit of the member states. European Union law has come a long way since its inception over the past 50 years. As of today, the EU has around 500 million citizens in 27 member states bound together by this law, making it one of the most encompassing and dynamic modern legal systems in the world (Wikipedia, 2007). It all started when, the heads of the member States of Belgium, Germany, France, Italy, Luxembourg, and Netherlands, agreed to lay the foundation of an ever closer union among the European Union members1. These included: The nature of the EC Treaty ensures that unelected individuals have had a greater impact on the development of EC Law than elected officials. This paper takes a look at three prominent laws that regulate the free movement of goods, people, and competition. 2.0 Executive Summary The free movement of persons between the Member States of the EU was at one time restricted to only the working class. This however changed with the economic development of all member states within the EU, and all people, citizens, students, dependents, and others who were no longer economically active were allowed to travel to any country in the EU and reside there if they wished. Since the integration of the

Summary Essay Example | Topics and Well Written Essays - 500 words - 128

Summary - Essay Example Though this theory measure the voting activity in terms of individual cost and benefits, it supports the ideological difference that exist between those willing to and those not willing to vote. This means that voting is a choice according to the theory of voting in relation to the voting calculus. This article depicts the reasons behind peoples’ participation or lack of participation in voting activities. According to the article, voting is a choice based on the level of commitment, civic knowledge, and finance to support the process. The three mentioned factors are grouped under resources and any of these determines whether an individual is ready to vote. A person with poor civic skill sees no need of voting and tends to calculate its benefit in line with spent time. Again, a person engaging in a more beneficial activity apart from voting sees no need in the process and continues with a more beneficial activity. This is a clear indication that voting is a choice based the costs and benefits according to the information displayed in this article. This article explains the voting process as a choice propelled by self-interest. According to the given information, nobody can participate in an activity without an interest. Voting is a public activity that involves many people though only few people benefit from the entire process (Riker & Peter, 36). For instance, the candidates and their family relations tend to benefit largely from the voting process and this explains self-interest and the level of benefit as a motivating factor. Apart from self interest, some people vote to save a magnitude without considering their interests. Voting without self-interest is a choice as explained in this article. This makes it difficult to determine whether voting is a choice or a fundamental activity. Social Identity, Political participation, and Altruism are choices that determine the voting

Physical Activity Basketball Essay Example | Topics and Well Written Essays - 1500 words - 1

Physical Activity Basketball - Essay Example One of the physical activities that I think is beneficial for keeping the balance between the mind and the body is basketball. It has a lot of advantages that I have learned myself personally when I became a member of a basketball team in high school. My experience as a member of the team has shaped me into the kind of person I am today. Physically and mentally, basketball made me become a stronger and healthier person since this game does not only require one to be endure the pains of running and keeping up with the other players, but the mental skills of calculating distances and strategies in order to win the game. It demands passion, team work, and trust in oneself as well as the other members of the team. I have been playing basketball for at least seven years now and I find it to be a unique sport. Through my experience over the years, I have found that my mind has become more mature and so have my skills. By participating in basketball matches since I was eleven, I have found that practice is not the only key to winning a game. By studying the other team’s strengths and identifying their weaknesses, we gain more advantage over winning the game. Although basketball requires learning several physical skills, players’ should also train and hone its mental skills since the game demands analytical skills as well. As Gladwell and Crawford argue, physical activities require imagination, creativity as well as  flexibility rather than blindly following textbook knowledge. Like any other amateur players, basketball superstars started as any other basketball enthusiast who simply loves the sport. The only difference is that these superstars were humble enough to admit their we aknesses that they used it on their advantage. They worked hard to further develop their strengths and worked even harder to overcome their weaknesses. In The Physical Genius, Malcolm Gladwell shares the secret of how   Michael Jordan, the lord of basketball

Summary Essay Example | Topics and Well Written Essays - 500 words - 128

Summary - Essay Example Though this theory measure the voting activity in terms of individual cost and benefits, it supports the ideological difference that exist between those willing to and those not willing to vote. This means that voting is a choice according to the theory of voting in relation to the voting calculus. This article depicts the reasons behind peoples’ participation or lack of participation in voting activities. According to the article, voting is a choice based on the level of commitment, civic knowledge, and finance to support the process. The three mentioned factors are grouped under resources and any of these determines whether an individual is ready to vote. A person with poor civic skill sees no need of voting and tends to calculate its benefit in line with spent time. Again, a person engaging in a more beneficial activity apart from voting sees no need in the process and continues with a more beneficial activity. This is a clear indication that voting is a choice based the costs and benefits according to the information displayed in this article. This article explains the voting process as a choice propelled by self-interest. According to the given information, nobody can participate in an activity without an interest. Voting is a public activity that involves many people though only few people benefit from the entire process (Riker & Peter, 36). For instance, the candidates and their family relations tend to benefit largely from the voting process and this explains self-interest and the level of benefit as a motivating factor. Apart from self interest, some people vote to save a magnitude without considering their interests. Voting without self-interest is a choice as explained in this article. This makes it difficult to determine whether voting is a choice or a fundamental activity. Social Identity, Political participation, and Altruism are choices that determine the voting

Before The Great Depression Essay Example for Free

Before The Great Depression Essay After the First World War, the United States entered into a period of relative prosperity. Actual GDP of the country exceeded potential GDP by about 15%. Almost all industries experienced high growth rates, as demand for every major product almost doubled in a span of 10 years. Financial institutions too enjoyed some measure of growth during this period. The available credit both to businesses and private individuals rose by 40% in a span of 6 years. Real wages increased by about 5% in two years. Agricultural products were exported to many countries at a relatively high price (especially in Europe). In general, the economy of the United States was all but in a state of growth. Much of the prosperity gained from this time period was due to the policies of the Republican government, specifically to the secretary of commerce, Herbert Hoover. With his direction, some of the implemented policies were as follows: 1) Creation of powerful ties between the government and businesses. It was the intention of the Republican administration to improve its relationship with businesses as a means of maintaining economic stability; 2) Formalizing trade relationships with other countries such as the USSR. With the guidance of Hoover, formalization of trade relationship would eliminate wastage in export production and increase efficiency in the import sector of the US economy; 3) Subsidization of infant industries. Some of the infant industries in the country were heavily subsidized for almost 10 years. Afterwhich, these industries were expected to adapt to competition in the foreign market; 4) And, increased funding for social welfare. During the administrations of Harding and Hoover, funding for social welfare and health infrastructure were increased. This measure though was a means to increase Republican support in the 1928 elections (in which the Democrats won). The First World War had a lasting impact on the foreign policy of the United States. When the British prime minister and the French premier asked President Wilson to allow the United States as a major member of the League of Nations, the latter reluctantly agreed. In truth, many of the Americans at that time were not very eager to intervene in the affairs of other nations, as it might involve the United States into another major war. Here was the birth of isolationism. From the Wilson administration to that of Roosevelt before the Japanese attack of Pearl Harbor, the country remained indifferent with the affairs of Europe. The idea of isolationism was simple. If a country were to avoid a major war, then it must not intervene in the state of affairs of other countries (except when it was attacked). This was not the whole story. Many Americans felt that it was more rational to direct the energies of the country towards economic development rather than impinge on the sovereignty of other countries. The prosperity which the United States enjoyed for almost a decade was temporary. Early in 1927, there were signs that the economy was on its dead end. Production increased at a decreasing rate. Financial institutions invested much of their capital to risky assets. Industries which were heavily subsidized showed no improvements. Unemployment rate increased by about 5%. The United States began to experience the difficulties of having a trade deficit. Foreign borrowers of the United States failed to pay their loans. There was also a significant decline in consumption and a significant increase in savings. All these factors led to the Crash of 1929 which allowed Roosevelt to be elected as president of the country. Here, the period of the Great Depression began. Reference Morison, Samuel Eliot. 1964. The Oxford History of the American People. Oxford: Oxford University Press.

Defining And Understanding Social Inclusion Social Work Essay

Defining And Understanding Social Inclusion Social Work Essay There have always been asylum seekers and refugees going back to the World War but in recent years the United Kingdom (UK) has seen a vast number of asylum seekers coming from different parts of the world in search of security from their troubled regimes. As a signatory to the 1951 United Nations Convention the UK has an obligatory duty to receive and protect asylum seekers until a decision has been made on their individual claim (Hepinstal et al, 2004). According to the 1951 UN Convention an asylum seeker is defined as, a person who has crossed an international border in search of safety and refugee status in another country. To get the refugee status under this Convention a person has to present with; A well founded fear of being persecuted for reasons of race, religion, nationality, membership of a particular social group or political opinion and is outside the country of his nationality and unable or, owing to such fear is unwilling to avail himself to the protection of that country. Too often those seeking asylum travel from their familiar communities to start new life in environments that could be alien to them which makes them vulnerable to social exclusion which is defined by the Social exclusion Unit (SEU),( 2004) as: What can happen when individuals or areas suffer from a combination of linked problems such as unemployment, poor skills, low incomes, poor housing, high crime environments, bad health and family breakdown. It is a process that deprives individuals and families, groups and neighbourhoods of resources and services needed for their general involvement and their health and well being (Pierson, 2002). Most of these factors affect the asylum population since they face immigration controls on things that shape them as individuals. This affects their engagement with the society towards expressing their individual needs. For asylum seekers to be socially included in the society certain areas of concern will have to be addressed. This is achieved by firstly understanding what social inclusion means. It is defined by some as, finding ways of preventing and overcoming social exclusion (ncaonline.org.uk). For this to be achieved the following points of views will be discussed on the issues that affect their health and well being, how resources and services from local, regional and national level can support them and the roles and responsibilities of nurses and other health and social care professionals in promoting social inclusion. However the author is going to use different available materials to provide an overview of this diverse group which is often mistaken by the public as a homogeneous group. The author is going to focus on asylum seekers (someone who is still in the process of becoming a refugee) rather than refugees (someone who has been granted the refugee status) because refugees just like o rdinary citizens have wider choices that can socially include them as compared to asylum seekers who do not have the privilege of choice. To whatever the destination an asylum seeker flees to, the journey is rather distressing with fears of being discovered, persecuted and arrested which can affects their mental health and physical well being. It is believed that when they arrive some would have been in good health but, the asylum process itself may entail its additional stresses such as conflict with immigration officials, being denied a work permit, unemployment, difficulties registering with GPs, loneliness and boredom (Hayes and Humphries, 2004). Their mental and physical health may deteriorate within two to three years of arriving due to post-traumatic experiences, unexpected changes, dependency, poverty and poor accommodation (Burnett and Fassil, 2002). Frequently reported mental health problems experienced by asylum seekers include anxiety, depression, phobias and Post Traumatic Stress Disorders (PTSD) which may cause long term problems if not well attended to. These may have been as a result of domestic abuse, multiple losses, torture, witnessing hostile situations and sexual abuse (Jones and Jill, 1998). Since mental health issues are viewed differently in some cultures, healthcare professionals have to be culturally sensitive towards those presenting with problems related to mental health (NMC, 2004). Those with PTSD will require strong advocacy to ensure that they have access to specialist support. However, some of the physical health needs usually suffered by asylum seekers are chronic diseases such as coronary heart diseases and diabetes which may not have been detected because of poor health facilities in countries of origin (Burnett and Fassil, 2002). Some conditions may have been acquired en-route to their destinations such as gastrointestinal problems, respiratory infections such as Tuberculosis (TB), malaria and other communicable diseases such as HIV and AIDS. Asylum seekers may present with fear of being seen as disease carriers which means they may suffer in silence, therefore demonstrating sensitivity towards these people will ensure that they are valued and respected regardless of their illnesses. Offering full medical assessments for the benefit of the individuals will help in detecting any unknown problems and find suitable interventions in promoting their health and wellbeing. Disabilities suffered through torture or war may present health concerns and emotional distress to asylum seekers (Burnett and Fassil, 2002). Those who are disabled will need referrals for assessment of needs where the provision of care may only be granted in regard to their immigration status, which may undermine their basic human needs (Immigration and Asylum Act, 1999). The author argues that this endangers the person with the disability as they will be more vulnerable to social exclusion. Some women seek asylum while they are pregnant. These may have been as a result of domestic violence, rape as well as prostitution as a result of trying to fend for themselves and their families. They may suffer complications due to late registrations, lack of geographical knowledge and support and poor ante-natal care (McLeish, 2002). In some instances when the woman is being abused her needs may not be identified because men are culturally considered as the main speaker of the family risking misdiagnosis of the illness. It will need tactical nursing skills and knowledge of different cultures for the womans needs to be met without disrespecting cultural beliefs and values. Since April 2004 failed asylum seekers have been asked to pay for their hospital charges which can have a negative impact on their mental and physical health. Since one of the core principles of the NHS towards healthcare is that care is regarded as a universal service for all and a basic human right, therefore service should be provided based on clinical need rather than an ability to pay (Kelly and Stevenson, 2006), it can be argued why asylum seekers are refused treatment and asked to pay for their services when they are not even allowed to work for them to be able to finance this need). If health professionals follow this core principal and exercise empathy it will have a positive impact on those who really need care. Accommodation is a key resource in the resettlement of asylum seekers. The areas they are dispersed to may be of great impact to their health and well being. The dispersal process may cause long term damage if they are dispersed to areas that are ill-prepared for their unique needs. There is evidence which shows that asylum seekers may be living in substandard housing that is impoverished, overcrowded and with high risks of fire and spreading of diseases (Garvie, 2001). They have no individual preferences and choices of where they want to live and who to share their accommodation with. While the Immigration and Asylum Act, 1999 makes the care in the community function dependent on immigration status, older asylum seekers who are in need of community care may not be eligible for basic services such as day centre places for those with mental problems, social work support for mental disorders and meals on wheels because they are subject to immigration control which can make their experiences difficult (Cohen, 2001). Okitikpi and Aymer (2000) sited in Pierson (2002) argues that other multi-disciplinary teams such as social workers have an unavoidable political task around the policies of dispersal in order to build broad coalitions in raising local awareness of the legal confinements with which refugee families have to cope. As granting employment to asylum seekers has been observed as a pull factor for more arrivals, asylum seekers in the UK are not allowed to work until they receive their refugee status, even though there is evidence which shows that unemployment does not have any impact on the number of people seeking asylum (Zetter et al, 2003), they are still not allowed to work and have to live on lower than subsistence levels of income as compared to the general public (Hayes and Humphries, 2004). Unemployment makes them more vulnerable to poverty, as they only receive about 70% of normal income support. Those who have exhausted their claims and being looked after under section 4 of the Immigration and Asylum Act 1999 only receive non cash vouchers which they can only use in certain supermarkerts where-by no change is given back which will further reduce the amount. This stigmatises, discriminates and violates their basic human rights as they will not have wider choices of supermarkets that sell f ood from their own countries. It is believed that allowing asylum seekers to work whilst awaiting their decisions may reduce negative socio-economic effects on their mental health and enhances their social integration with the society (Hayes and Humphries, 2004). The United Nations High Commissioner for Refugees (UNHCR) offers international protection to displaced asylum seekers with a well-founded fear of persecution by assuring them of certain clearly defined rights (Loescher et al, 2008). It has a responsibility of monitoring and supporting states compliance with the norms, rules and decision making procedures set out primarily by the 1951 Convention. Nationally in the UK, the National Asylum Support Service (NASS) within the Home Office works to provide accommodation and money for everyday essentials. It provides regional funding to the local councils and registered landlords in the provision of furnished accommodation. Firstly assessments are done following the Immigration and Asylum Act 1999 to check if the person seeking asylum is destitute, so that the level of support needed is clear. NASS can only support those who are awaiting decisions which place those who have been refused status to become destitute and homeless. Voluntary organisations such as Yorkshire and Humberside Consortium for Asylum seekers and Refugees (set up in 2002 co-ordinates with NASS in providing management of accommodation, developing accessible services and promoting integration into new communities (www.harpweb.org.uk). Refugee council provide advice and information in individual languages, emergency accommodation and assistance in different regional areas (www.refugeecouncil.org.uk). Oxfam is also a voluntary or charitable organisation that helps in campaigning for those who are being made destitute by the asylum process to stop them from being deported back to their countries where they may be arrested and persecuted. British Red Cross also help those who are homeless by providing food supplies, clothes and vouchers to buy essentials such as toiletries (www.harpweb.org.uk).

The Jewelry We Wear Essay -- Culture Fashion Papers

The Jewelry We Wear Our tastes in jewelry are often fostered by our heritage, cultural background and ethnicity. Many of the unique pieces we see people wearing today steam from old cultural and ethnic roots. African and Asian influences are two prominent styles that often float in and out of popular culture and fashion as trends and style change. Usually found in silver jewelry, Celtic design is beautiful for its simple elegance. Basic lines come together to form elaborate designs. Celtic designs are also found in a lot of modern jewelry. While much of the Celtic jewelry today is often found in catalogues and stores catering to fortune tellers, witches and fans of the fantasy and medieval lifestyles, many people of Irish decent are drawn to Celtic jewelry as a sign of their heritage and background. Personal expression, mood and fashion are not the only factors involved when choosing what jewelry we wear. Our geographic location also impacts our preferences. Spending most my life in South Florida I noticed a huge difference in peoples' lifestyles when I moved to Tallahassee. People dressed differently, wore their hair differently and even talked differently. Their jewelry was also different. South Florida style I very flamboyant and excessive. Many women wear extravagant diamond, platinum, gold and pearl jewelry. Tiffany & Co. is a very popular jewelry store among South Floridians and many people spend thousands of dollars buying jewelry from there. Because Miami is one of the great fashion meccas of the world South Florida sets many fashion trends and tends to be one step ahead of fashion elsewhere in the state and much of the country. Tallahassee, on the other hand, is much more conservative and relaxed in its approac... ...beautiful, spectacular, unusual or exquisitely made, and signed by a famous maker, it will have significant added value. While everyone's style and tastes might be different, as well as the outcome of the decision of which piece of jewelry to buy or wear, the same elements go into making that decision. Though our backgrounds, our family heritage, our life history, we chose the best way to represent ourselves through our appearance. Like our clothing, hair styles and other personal preferences, the jewelry we wear is an individual expression of our personality and character. Whether we choose to wear commercial designs or original pieces, our taste in jewelry tells others a little bit about ourselves. From the most beautiful diamonds at Tiffany & Co. to the macaroni necklaces we made in elementary school, our existence is often accessorized by the jewelry we wear.

Sensual Meditation in the world today. :: essays research papers

Happiness is our natural state Humans were designed to be happy, creative and in harmony with the universe at all times. Just like a flower which automatically thrives and blossoms given the right conditions, so does human happiness and consciousness. If the conditions are right, everyone would be in a permanent state of natural ecstasy, living in the here-and-now. Fear switches off higher consciousness and turns us into obedient malleable citizens But we are not quite in such a paradise yet, unfortunately the world is only just emerging from millennia's of bigotry, state brutality, religious and paramilitary intolerance, famine, disease and pain, where our fragile existence could at any moment be destroyed by the ravages of invading hoards, or the sadistic whims of greedy landlords, ignoble dictators and corrupt governments. All this pain numbs our senses, generation after generation, and forces our mind and body to remain in a sort of biological emergency mode just for survival. In order to escape from possible danger, the brain has to mobilise all its forces to fight or flee, which for the sake of energy management, switches off the higher centers of consciousness, and leaves us in a state of anxious numbness. If the state of fear is prolonged, this turns to despair or frustration, which lead to increased aggression, be it directed towards oneself as in suicide, or towards others as in public violence. This does not justify terrorism, but it does illustrate that the solution for such desperate acts of violence is not to respond with knee-jerk declarations of war and bully people into submission through organised brutality, but rather to remove the root causes of suffering by providing love and hope. Don't be fooled by the jingoistic calls to fight by anyone, not only because fighting is part of the problem, but also because this call to arms is always a cynical means for a corrupt authority to maintain its dominance. By carefully cultivating an atmosphere of fear, they are maintaining your brain in a constant state of mental emergency, which very conveniently switches off your higher brain centers and makes you more malleable to their suggestions. Wake up! Don't let yourself be taken in. Governments and religious institutions don't have your interest at heart, they are just fronts to make money and maintain power, the puppets of economic giants acting behind the scenes. They lie behind their smiles and benedictions before the elections but behind your back they are laughing all the way to the bank.

Baroque vs. Classical Music Essay Essay

When many people listen to music from earlier periods, they classify it all as classical music, when although there were many periods of music. Although the two may sound similar to the untrained ear, the Baroque style and the Classical styles of music have many differences. The Baroque Period (1600-1750) was a revolutionary period for music. Preceded by the renaissance, the Baroque Period offered new and different things to music. Common tools were used such as counterpoint and fugue that transformed music. There was a growth in the uses of new instruments such as the trumpet, French horn, and piano. Composers, such as Johan Sebastian Bach, concentrated on what the music notes lead to and what sounded good to listen to. Bach, who composed over 1200 pieces, was the â€Å"gold standard† for Baroque music, helping to regulate harmony in music. Baroque music was all about emotion. Composers used these tools to weave and blend different sounds together to create unison. Counterpoint was a popular tool used, where two separate lines were played together to make harmony. A lot went on in Baroque music. The Classical Period (1750-1825), on the other hand was a lot simpler. Instead of having many instruments playing lines at once in harmony, many instruments would play softly in the background while a solo instrument would play. Classical music consisted of a single melody. Baroque music was very complex, and demonstrated polyphony, where many different sounds went on at the same time, whereas Classical music demonstrated homophony, where the same sounds were played. Form was also a big factor in Classical music. Baroque composers were more concerned about evoking emotion than the form of their piece; Classical composers were the opposite Classical composers demonstrated clear cut form, whereas Baroque composers blended everything together. Classical music was also very repetitive. Composers would not change much, it was the same melody played over and over. I prefer Baroque music over Classical music. I chose Baroque music because it is a lot more interesting. Classical music is too simple compared to Baroque music. With Baroque music, more emotion is evoked. A great example  of this is Vivaldi’s â€Å"The Four Seasons† where you could actually tell which season is portrayed by which piece by listening carefully. To me, Classical music is too boring and repetitive. Baroque music always keeps me on my toes, keeping me guessing at what is coming next. I care more about what a piece means than the form it is written in. Although I prefer Baroque music, I do not discredit Classical music at all. A lot of brilliant pieces came from both periods of music.

The Evolution of Courtship

CHAPTER 1I. IntroductionA. DefinitionCourtship is the process or period of courting. Through the years, it is evident that there has been a significant change in the way courtship is done. Especially in the Philippines, where culture is dynamic and ever-changing, it has to the researcher’s attention that there has been great changes in the way courtship is done between Filipino males and females. With this, the researcher would like to interpret the evolution of courtship. The landscape of male and female interaction has changed over the past 100 years, revealing a very sharp contrast in shape and form.One significant area where this is clearly seen is in the area of courtship and dating. In 1896, the word â€Å"dating† was known to be lower-class slang in reference to prostitution. Basically, going on a date was an understatement for paid sex. By the 1900s, the word â€Å"Calling† (or courtship) was introduced into households. Calling was the process of a man, t he suitor, coming into the home of a young woman to meet her and get to know her and get to know her better and eventually end up marrying her.This was highly preferred by parents since the meeting between the man and young woman was highly supervised – everything from the length of the meeting to what food they would eat (Discroll, 2009). Furthermore, it gave parents a sense of safety since it protected adolescents from any kind of danger like rape, and involved the maximum participation of family members. In this, however, the process of courtship was not always perfect. It was seen that it only placed itself in the households of the rich and not the lower-class (hence the lower class slang).It would seem that courtship was too expensive an activity for the lower-class. They simply could not affor the luxury of fine dining in a parlour and/or traveling to meet with their sweetheart (Discroll, 2009). In this, the progression and seeming perfect balance did not last long. As population, poverty, technology, economy, and innovation grew, change in the lower and higher classes rose. Because of this, they had to find more adaptive solutions as to how they would interact and meet with the opposite sex; a great change was seen throughout the years effectively changing the landscape of courtship.Today, technology has made easy interaction even more possible. With the dawn of the internet, men and women no longer need to be with each other physically or in the woman’s home to interact; it can all be done with a simple click of a few buttons. Now taken into the context of the Philippine setting, changing trends and patterns are not so much different from their western counterparts. Over the past decades, Filipinos have taken a more practical approach towards the relationships involved in their lives due to the increased use and innovation of technology and change in social landscape (Ogena, 1999).So like their western counterparts, no longer do men apply the idea of Chaperonage or Panliligaw (courtship) with the opposite sex. And as patterns have changed, the main influencers – parents – have found the style of dating more acceptable (Ogena, 1999). A study done by UPPL & DRPF called the YAFS (Young Adult Fertility and Sexual Study) for the Philippines showed that there was a significant number of adolescents going on dates.Another significant YAFS data shows that from 1982 to 1994, a majority of the youth (40.4%) group dated but later split to single dates (39. 7%) which enabled more intimate encounters with each other, with Filipino teens engaging in sexual activities (9. 7% for males and 2. 9% for females). As dating became a more regular activity among the youth, intimacies heightened. This resulted in an increase in the corresponding proportions of the youth engaging in petting and sexual intercourse, 16. 3% and 8. 1%, respectively (De Guzman,1997).B. Significance/ RelevanceIt is clear that Filipinos have changed the way they see courtship. Especially that technology has affected lives of teenagers today that it is now easy to communicate with anyone. It is then the researcher’s privilege to show the evolution of courtship. The study will also be beneficial to the general public to make them aware of how courtship worked then and now. The study will serve as a reference on the processes, style, and evolution of courtship.C. Research ObjectivesThis research paper aims to answer the question: 1. How has courtship evolved throughout the years? To answer the question/ problem, the researcher will investigate the following sub-questions: 1. What was the courtship process then? 2. What is the courtship process now? 3. How did courtship evolve throughout the years in terms of: a. Process of Courting b. Socialization c. CommunicationCHAPTER 2I. Review of Related LiteratureA. Local LiteratureCourtship is known in the local language as Panliligaw or Ligawan and is also synonymous to pandidiga o r digahan from some of the Tagalog-speaking regions in the Philippines. It has rooted from the Spanish word ‘diga’ which means to ‘to say, express. ’ The term manliligaw refers to a man who tries to court a woman and pursue her for marriage. On the other hand, the term nililigawan refers to the woman who is being pursued, hence, the one being courted.Courtship in the Philippines is known to be moderate and to ba taken under control unlike those of the western cultures. Traditionally, it has been done with the first step of the man visiting the woman’s house and presents himself to her parents in an official manner. It is generally unacceptable to most Filipino families to court the woman without knowledge of her family. The most usual trend to be acceptable to the woman’s family is from the saying â€Å"courting a Filipina means courting her family too† (Business World, 2002).Courtship in the Philippines involves the suitor working hard for his love even if he has to go through a long time of courtship. Traditional courtship would entail men serenading (harana) the â€Å"women at night and sing songs of love and affection† (Business World, 2002). Others would give love notes to express their feelings. It would also entail going to the woman’s house to bring her flowers and other sorts of gifts. And in some cases, men are shown to be courting the woman’s parents to get their acceptance before he could actually court the woman.Courtship allows women to enjoy the attention they get from men by being treated in a special way and receiving gifts from them. Because of this, some women even delay their marriage so that they have more time to experience what it’s like to be showered with attention and affection. (Molina, 1983 as cited in Courtship in the Philippines Today) Parents and family members are very much involved in courtship because of the Filipino viewpoint that marriage doesnâ€℠¢t just involve a man and woman, but their families as well.It became important for a person to choose well to enhance his or her family’s image. Dating as an activity in courtship, has become very popular, as it was an influence from the western culture. But even before people were influenced and dating became popular, the Philippines already had come up with its own courting practices. These practices were passes on by their families to use when entering into courtship. (Medina, 2005 as cited in Courtship in the Philippines Today)B. Local StudiesIn a 2012 study entitled â€Å"E-Courtship: A Descriptive Study† by Pamela Concepcion Panganiban, she explained that when two human beings start developing emotional attachments to one another, the relationship often tirns from simple friendship to a romantic kind (Tucker, 2008) and once feelings are established between the two parties, the individual then pursues the person his or her interest (Tucker, 2008). It is therefore appropriate to say that when an individual, much like a male, pursues a female, it signifies the act of courtship (Akiteng, N. D. ).Courtship often precedes itself as the stage where a male signifies his interest for an established romantic committed relationship with another person or before each can call themselves â€Å"official. † The study of Brinas, Ramirez, and Ty on â€Å"Ang Proseso ng Pagliligawan† (1996) mentioned that there are many reasons why men court women. Aside from the usual reason of preparing for marriage, a man courts a woman because first, he could be physically attracted to her. Men are visual creatures; that is why the physical appearance of a woman may be a big deal for them.Another reason is he wants to feel loved. A man courts a woman so that he could show love and at the same time, hopes that he receives that kind of love from the woman as well. The next reason is that a man wants to have someone to be with all the time because men treasur e companionship. He wants to have someone to be with because this makes him happy, especially during special moments in his life. A man courts a woman also for his own satisfaction. For a man, a woman seems to be like a reward or a challenge to him. So courting a woman – and eventually getting her makes him satisfied.These reasons vary, depending on the person. Looks and physical appearance may be a major factor for some men, but for others, this might just be a bonus. A common reason for a man to court a woman is because he is pressured by his friends and family to get a girlfriend. There are also some men who only want to court women who are attractive to show them off to the people around them. This is not an ideal reason to court a woman, but this happens especially when the man isn’t that mature yet as a person. The last reason is because a man simply has feelings for a woman.(Continuado, Marcos, and Renton, 2007) A 2009 study entitles â€Å"Courtship Among Emerg ing Adults in the Philippines: Definition, Activities, Influences and Motivations (Fabic, Feliciano, & Nery, 2009),† focused on the difference of understanding of the middle and lower class Filipinos about courtship. They conducted surveys from middle class groups and lower class groups living in the slum areas. But according to the results of the study for both male and female, the difference is not that big among the two different groups with their ideas of courtship.Most of them defined courtship as a process of knowing someone and â€Å"showing a girl how a guy feels towards her. † Proving Social Cognitive Theory’s assumption of having different factors (personal and environmental factor) affect that way people behave, act or think towards courtship, the said study found out that the topmost factors in their idea of courtship are â€Å"friends, media, family, and culture. † These factors are what motivates them and influences them if they will court so meone or if they want to be courted.There is no major difference with the activities done on courtship with those in the middle class and lower class group. Both classes agreed that â€Å"spending time with the other person, giving gifts, and basically just putting one’s best foot forward† are the most evident things to be done in the courtship stage. (pp. 78-78) The 2012 study entitled â€Å"Mix & Match: A Descriptive Study of Filipinos’ Ideals in Social Relationships (Olalia and Ylagan, 2012)† also proved how different factors influence a person’s behaviour or point of view towards courtship and marriage.Although the study focused on â€Å"ideals,† they concluded that â€Å"a number of informants shared that they patterned their ideal boyfriends or girlfriends and husband or wives from their parents. † One male respondent, 27, shared that because he grew up in an environment where his mother is more strong-willed than his father, he also wanted a girlfriend who is more strong-willed than him, which is true to his current girlfriend. Another informant (Ellaine, 22) shared that she wants someone who is like her brothers or her father.C. Foreign LiteratureIn the book â€Å"Boy Meets Girl,† Joshua Harris defines courtship as â€Å"dating with a purpose† and a â€Å"relationship between a man and a woman that has a purpose of being actively and intentionally together to consider marriage. † It is a process that has a direction and a purpose and involves knowing a person better to see if they are right for each other, and eventually, if they are, leads to marriage. A courtship can be considered successful when the man and woman find out if they are right for each other or not.They pursue marriage when they find out that they are for each other, and they end the courtship if they see that they are not right for each other. When a man and a woman understand the purpose of courtship, it is much eas ier for both of them to move on when their relationship doesn’t work out. Courtship is like a new season of friendship. It is something that should be entered into when a man or woman is ready for marriage. According to Joshua Harris, courtship is a relationship guided by the principle that â€Å"the joy of intimacy is the reward of commitment.† (Harris, 2005)Before courtship actually commences, a man and woman must have a deeper level of friendship than that of just an acquaintance. Normally, the second phase, or the actual courting stage will be initiated by the man asking permission from the woman’s father to begin courtship with his daughter, and the man’s obvious reason is to know if they both want to get married to each other in the future. The father usually acts as the initial â€Å"protective screening test. † Both the man’s and the woman’s families must be involved.â€Å"They ought to understand, through experience, each pa rt of the other person’s life as much as possible. † Instead of interrupting each one’s daily routines to make way for their alone time, couples in the courtship stage will most likely try to involve each one in their daily routines. It is important for a man and a woman who enter into courtship to have good communication to be able to know where they are in their relationship and how they feel towards each other. If everything is going well, they can spend more time alone together and take on activities like watching movies and concerts, going to the mall or having dinner alone.When men court women, they are usually romantic, and they buy flowers or cards to make the women feel special. When the man gets the blessing of the woman’s father, he then proposes to her. When the woman accepts the proposal, they would get married and live together as husband and wife. (Gianforte, 2008) Back then, it involved the control of women because it’s the men who g o to their homes to get to know them better.But as courtship evolved into a more free and liberated type, it has now been occurring outside the home, which means it’s now more of the man’s control because he is the one paying for the date. Since women started working and had more time to spend with men outside the house, new rules of engagement were formed where the men were able to take women out on dates. â€Å"The entire romantic system moved out from under the parent’s supervision, and like an eloping couple, it never wanted to go back.† (Gianforte, 2008)In Joushua Harris’ book â€Å"I Kisses Dating Goodbye,† he described dating as an act of a man and a woman going out to have a good time, nothing more, nothing less. He even added that people date because they want to be able to enjoy the physical and emotional benefits of being intimate without the need to be In a real commitment. This generation’s pursuit of fulfilment in relati onships, especially in dating, is that they want intimacy without the responsibility, sex with no expectations, and love without hard work and sacrifice.  (Harris, 2004)Today, the intent of dating ranges from getting to know the person to wanting to marry the person. (Gianforte, 2008) But because of the western influence today, courtship has been delivered to be vanishing. Contrary to that, the said study by Fabic, Feliciano, and Nery (2009), also found out that courting is still manifested in the local society. Depending on the respondent’s point of view, the definition of courtship will vary but will still lead to a common idea â€Å"which is the process of a guy expressing how he feels towards a girl by pleasing her, so that in return, the girl will like him back.†Prominent among the results is the idea that courtship is still initiated by the men. What varies now is the way men do their courtship especially because the use of technology is already inevitable toda y. This is what most people refer to now as â€Å"modern courtship† just as revealed in â€Å"an Asia-wide survey that was conducted during 2002, not only that the Filipinos say I love you through text messaging (Ellwood Clayton, 2006 as cited to court a woman through electronic devices. † (pp. 69-70)D. Foreign StudiesEven with the emergence of technology that makes it easier for young people to connect with other people, they still prefer the traditional style of courtship. Even if they use technology in communicating with their loves, they still prefer face to face communication and interaction rather than just texting or meeting online.Internet video started with a little film called â€Å"The Spot† by a filmmaker Scott Zzakarin in 1995 (Letizia, 2011). â€Å"The spot† was a simple film and into a two-inch two-inch screen and attributed to it were lol quality images at the same time were not equipped to handle the flop of Zakarin’s project, it i s considered today one o the first web or â€Å"webisodes† to hit the internet.

Consumption Essay Example | Topics and Well Written Essays - 1250 words

Consumption - Essay Example Shopping centers and catalogs are coded frameworks that do not just encourage people to purchase as a habit, but also more importantly, assist people in building their sense of identity. Shopping centers are a preferred topic for the concerns of traditional conservatives (Flanders 104). Shopping centers also concern parties that find consumerism a crucial lifestyle. Consumerism is undoubtedly the traditional center of modern consumption. Critics of consumerism note that shopping centers have slowly turned into places where youth convene for social purposes. As a result, shopping centers slowly became places where senior citizens and the aged rarely came to socialize. Shopping centers attract people from different ethnic backgrounds, social status, age, and professional positions. According to Pressdee and John Fiske, shopping centers are public places formally, but in fact very selective socially (Flanders 104). Frequent goers of shopping centers do not exercise the freedom of speech or assembly. Owners of these shopping centers closely monitor and filter what goes in and out of their businesses’ premises. For instance, shopping centers inhibit the diverse mu ltitude of companies and authorities that occupy open spaces. This is because such spaces apparently hide a prevalent private authority. Shopping centers practice comprehensive and clandestine authority not just in the regulation of conduct, but also in the building of the perceptible and audible public discussion (Flanders 105). The source of this consumption is what society today uses to relate to its identity, views, and desires. Consumption is the focal point of the discourse of fashion among outlying consumers. Teenagers, especially female tend to send a great deal of time and their parents’ money in shopping centers. The time spent by teenagers in shopping centers surpasses the money. Here, teenagers overcome the simple products they are used to at their