Progress report final assignment Essay Example | Topics and Well Written Essays - 2000 words

Progress report final assignment - Essay Example The net effect of this nervousness among lenders and creditors is to drive interest rates up in order to partly compensate for the higher risks involved (not getting repaid). Another consequence is people who have money would rather put or park their funds somewhere safe in super-safe Treasury Bills (or T-bills) guaranteed by the government instead of investing them. This lack of confidence in the economy and the future prospects of how well everyone will be doing are putting a squeeze on available credit. The credit crunch has worsened into a credit freeze in which it is now virtually impossible to borrow money. The net effect will be a continued slowing down of the economy and creates a vicious downward cycle in terms of the jobs lost, reduced tax revenues and so on. More ominously, a credit crunch affects everybody alike but the poor and working classes are adversely affected more than anybody. This results in a nation of people with reduced expectations about their standard of li ving. It means people will have to content themselves with less because a credit freeze leads to reduced economic activities which could have helped to spread and re-distribute wealth around. A credit crunch means negative consequences for almost everyone (Herbert, 2011:1). Table of Contents Introduction†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.......1 Discussion......................................................................................................................3 A. Different ways on how a credit crunch impacts on individuals....†¦Ã¢â‚¬ ¦....................4 A.1. Jobs and Employment Prospects†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦....4 A.2. Higher Interest rates for Everything...............................................†¦ †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦4 A.3. Reduced Savings and Pensions...............................................................................5 A. 4. Increasing Number of Home Foreclosures....................................†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦5 B. Brief Overview of the Asset Price Bubble Phenomenon†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.......6 C. Failure of the Free Market Economy..........................................†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦...6 C. 1. Sudden Price Increases in an Asset Class......................................................†¦Ã¢â‚¬ ¦6 C. 2. Central Bank Approaches to Mitigate Asset Bubbles†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦....7 D. Preparing for a Credit Crunch†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦................7 D. 1. Gather Enough Savings.................... ..............................†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦....†¦Ã¢â‚¬ ¦7 D.2. Augment your Regular Income...............................................................................8 D.3. Look for Profitable Investment Ventures................................................................8 D.4. Be Financially Conservative...................................................................................8 D.5. Be Financially Literate............................................................................................9 Conclusion†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦....†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦....†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.......9 Bibliography..............................................................................................................10-12 Discussion Ordinary people may not know much what a credit crunch is about or

Proposed Tesco Store, Morning Lane, Hackney, London Essay

Proposed Tesco Store, Morning Lane, Hackney, London - Essay Example There will be space for eight other new shops, offices, restaurants and bars. There will be also further proposals, which include building 134 new homes, 414 car parking spaces, 252 cycle spaces and new improved pedestrian routes to and within the Tesco site including the landscaping and pavement widening in morning lane. These developments will have a major impact for the people living in that surrounding area and proper measures will be put to ensure the project is a success. This study will try to critically evaluate the retail, transport and environmental impact of the project. To achieve this proper planning have to be made and the right expert in the different fields that are being undertaken have to be consulted to achieve the desired objective. In addition, to that a detailed coordinated planning application was made which included the [preparation of retail impact assessment, planning statement, statement of community involvement. There was also coordination of the environme ntal statement, and the preparation of an impact assessment on the socio-economic impact and crime and safety (Broun, 2004, 37). The Role and Use of Evidence The use of evidence has been widely used in the planning of the proposed Tesco proposed project. The use of evidence in decision making involves integrating the best available research evidence with contextual factors including community preference, local issues, political preferences, and public health resources. The use of evidence can be applied in a range of decision-making that is at policy development, Implementation and evaluation. The benefits that can be achieved by the use of evidence as a source of information is the adoption of the most effective and cost efficient interventions, minimization of harm to the people and community as a whole and better infrastructure for the individuals and the communities. The evidence, which had been collected, has had major impact on the proposed project and have assisted in the pla nning, implementation and the evaluation of the Tesco project Transport Assessment A transport assessment report was prepared to assess the impact the project would on the transport sector and the community as a whole. An original transport assessment was submitted in 1999 on the site., but the application had some issues like for instance, the traffic queuing at the junction was considered to seriously detract from the character and the appearance of the high street/. There were other two applications, which were presented in 2003 with alternative access arrangements onto Bridge Street. Following consultations with the Highway Authority a supplementary transport assessment was produced to provide the additional information and analysis, this was submitted in the year 2004. There were further discussions with the Highway Authority and the representatives of the Local Plan Inquiry and amendments were made to the access of the road junctions, which now occupy the Bridge House Site. Th e Bridge House was to be demolished and replaced by a new building that was after discussions with the English Heritage. The assessment considered the access of important shopping centers, the trips that vehicles had to make to the store and the impact on the road networks, the walking and cycling abilities through the roads, public transport and for these to be achieved intensive consultations had to be made (Ganz, 2004, 400). According to the assessment, it was agreed that locating the

Geography introduction Essay Example for Free

Geography introduction Essay My investigation is a study of hydrology, as I want to find out how and why a rivers channel, flow and valley characteristics change as you move downstream from its upper course to its mouth. These changes are represented in the Bradshaw Model (fig 1), a fluvial model that describes changes in the river channel and flow characteristics between different courses along the river. Based on three factors, it is possible to infer information about the processes of river erosion, transportation and deposition that occurs along the river. I will use the Bradshaw Model to compare the river at Holford Combe with the characteristics that you would expect to happen and what impact these characteristics have on the formation of landforms along the course of the river. Fig 1: The Bradshaw Model Location Holford Combe is located in the Quantock hills, North Somerset (Fig2). The Village of Holford is about 14 miles from Bridgwater, on the A39 and 6 miles (10 km) east of Williton. The village is mainly situated on the left of the A39 whilst on the right there is the village hall and cricket field. Holford has been an area of outstanding natural beauty (AONB) since 1956. It is also a Site of Special Scientific Interest (SSSI). The name of the river is The Holford Combe River (Fig 4). It is 7km long and the source of the river is at Ladys Fountain Spring, Frog Combe (Fig 5) (Fig 3) which is near Halsway. It is 250m above sea level, and the Mouth is at Kilve Pill. The river flows northward through Holford and kilve villages. The land is used for agriculture for example Pepperhill is a beef herd farm on the slopes of the Quantocks and Durborough is a hill farm, on the edge of Quantock Common, keeping mainly sheep. Fig 2: Ariel map of North Somerset, UK Fig 3: Source of the River Holford. Fig 5: OS map of Holford Why the river Holford? The Holford Combe river is ideal for my study because the river is short (7km) long, so we would have been able to collect more data in the time we were there. Also you can get a better overview of the general trends in a rivers processes and landforms over its full course. We can be more certain of our conclusions about the pattern along the Holford Combe River and how closely they relate to the Bradshaw Model (fig 1). The length is very important because we were only aloud two days outside of school lessons to complete the data collection. The being short meant we were able to walk the length of the river from source to mouth and not waste time from travelling to different sites. It’s a good site choice from a health and safety perspective (fig 6) as the river is not to wide or deep and being short as well. Also erosional processes haven’t had much time to act against the river channel, to make sure it didn’t make it dangerously deep or wide. The river was very accessible to us from school (only 47 miles, South west of Bristol), so it was very easy to get to and realistic and cost effective for the site there. Fig 6: Risk Assessment Risk assessments are important because then you know of any potential dangers of where you are going and to avoid any potential incidents and so you are prepared in an unlikely event of an accident. Bibliography The websites I have used to get my information that i needed were: http://www.quantockonline.co.uk/quantocks/villages/holford/holford1.html http://en.wikipedia.org/wiki/River_Holford http://www.quantockhills.com/education/Qpedia/Topics/Place/People/Land-Use/Far

A Bloody Night :: essays research papers

William Shakespeare once said, â€Å"For I have sworn thee fair, and thought thee bright, who art as black as hell, as dark as night.† Deception plays a big part in the play Macbeth. The play is about a king who is murdered by one of his most trusted men trying to gain power. During the play Shakespeare heightens the mood by using various accounts of imagery. The blood and night imagery that Shakespeare uses adds to the evil, darkness and deception surrounding the play. Night has a role of great importance during the play. Lady Macbeth beckons, â€Å"Come, thick night, And pall thee in the dunnest smoke of hell, That my keen knife see not the wound it makes, Nor heaven peep through the blanket of the dark, To cry "Hold, hold!" Without the obscurity of night, she would not have urged Macbeth to kill the king as she did. The night, however, gives her the impression that Macbeth can indeed kill King Duncan with no one uncovering his contemptible crime, the same idea that Macbeth had when he said, "Stars, hide your fires; Let not light see my black and deep desires" It seems as if the whole plot revolves around the night and the many roles it holds throughout the play. Shakespeare often uses darkness and storms to depict that evil happenings are occurring or are about to take place. There are at least three examples of this in Macbeth. Most of the evil things that Macbeth does in the story occurs in the nighttime. Lennox states, "... the obscure bird Clamored the livelong night. Some say, the earth Was feverous and did shake," in reaction to Macbeth's first evil act, killing the king of Scotland. "The night has been unruly: where we lay, Our chimneys were blown down; and, as they say, Lamentings heard i’ the air; strange screams of death,..." "Three score and ten I can remember well; Within the volume of which time I have seen Hours of dreadful and things strange, but this sore night Hath trifled former knowings." Both these quotes are talking about the night of Duncan’s death. They are showing the comparisons between the natural unruliness and the unusual disaster. In the play, the word â€Å"blood† is mentioned numerous times. Shakespeare’s use of this particular word is significant; he uses it to develop the character of Macbeth and the unfolding events of the drama.

Chart and Reflection Essay

1980 Election This was a political event because it caused a change in the government. Americans wanted a firm, patriotic leader who had a plan to fix the economic problems carrying over from the 1970s. Jimmy Carter was running for reelection, and Americans overall were very unhappy with his leadership. Ronald Reagan emerged as his challenger, a former actor with great public skills and a plan. They elected Ronald Reagan in 1980 who had a controversial plan for fixing the U.S. economy, later dubbed â€Å"Reaganomics.† 1980  Reagan Doctrine Treaty of 1987 the president’s foreign policy in the 1980s of supporting anti-Communist revolutions. reduced existing weapons. the Reagan Doctrine would not shy away from directly confronting Soviet-supported regimes or groups. prevent nuclear proliferation in our own territory and around the globe.   U.S. support favored groups that, while not Communist, were not democratic either. The most controversial of these efforts was in Nicaragua. Mikhail Gorbachev took control of the Soviet Union. He believed that the future of the Soviet Union depended on important reforms and began to implement two programs. the policy led to U.S. involvement in conflicts around the world. Part 2: Answer the following questions in a complete paragraph of your own words. Do you think President Ronald Reagan’s policies had a positive or negative effect on the country overall? Explain your response. Reagan’s foreign policy actions were very positive because they lead to the end of the Cold War and the threat of communism that had been plaguing America for decades. What do you think was the most significant event of the 1980s and why? -Ronald Reagan elected president -Britain’s elite SAS frees Iranian embassy in London after being taken over by terrorists -52 Americans held hostage are returned home after 444 days in captivity -Ronald Reagan survives an assassination attempt by John Hinckley -Riots in Brixton and inner cities in Britain -Britain’s Prince Charles and Lady Diana Spencer’s wedding -Discovery of AIDS virus These events are significant because they have had an impact on our country today.

40th Anniversary of D-Day Rhetorical Analysis - Free Essay Example

Sample details Pages: 5 Words: 1633 Downloads: 7 Date added: 2019/08/16 Category History Essay Level High school Tags: D-Day (Operation Neptune) Essay Did you like this example? 40th Anniversary of D-Day: Rhetorical Analysis On June 6, 1984 President Ronald Reagan gave the 40th anniversary D-Day speech. This speech took place in France where the battle took place. He gave his speech at the U.S. Don’t waste time! Our writers will create an original "40th Anniversary of D-Day: Rhetorical Analysis" essay for you Create order Ranger Monument at Pointe du Hoc to give respect to the fallen. D-Day was a day that can never be forgotten. It was a day soldiers and allied troops stormed the northern shore beach of France. On this day 225 Rangers came to win this battle and end the war. In Reagans speech he gave detail on what had happened that day, how many people fought, but most importantly he honored the soldiers, the veterans that stood before him on that day. The ones who sacrificed everything, so us the American people could have freedom. President Reagan uses logos to tell us the date of this specific event and how many people were fighting, ethos to quote other people to relate what he is talking about, and then he uses pathos when he is speaking to the veterans and honoring them for that day.   Ã‚  Ã‚   Logos Reagan begins his speech by informing the audience of the four long years in the 1940s the allied forces had gone through a tough war and had come to liberate most of Europe that had fallen to the Axis powers. Europe had been under a terrible shadow. Europe was enslaved, and the world prayed for its rescue, (Vanatter, 2013, para. 2). After all the pain and suffering that Europe was going through, D-Day was the day that will be the answer to their prayers. Reagan (1984) continues to say that, In Normandy the rescue began and how the allies stood and fought against tyranny, (para.1). He then says that on, the 6th of June, 1944, 225 Rangers jumped off the a British aircraft at dawn and landed in the bottom of the cliffs, (Reagan, 1984, para. 2). He then continues to explain the mission the rangers were trying to accomplish, which included climbing cliffs and to take out enemy guns. He explained the troubles that the Rangers went through on that mission; they were shot at, their ropes we re cut down when they traveled to a different site, but the Rangers never gave up and continued their mission. After he stated the troubles of the mission, Reagan (1984) then brings up the devastating news that, out of 225 Rangers only 90 could still bear arms, (para.3). With that he presented the memorial that symbolizes the Ranger dagger that were thrusted into the top of the cliffs, (Reagan, 1984, para.4).   Reagan (1984) then recognizes the men of all the different armed forces of different countries, such as The Royal Winnipeg Rifles, Polands 24th Lancers, The Royal Scots Fusiliers, The Screaming Eagles, The Yeomen of Englands Armored Divisions, The Forces of Free France, The Coast Guards Matchbox Fleet and you, The American Rangers, (para.10). Reagan then continues to say that in Georgia, churches were filling up at 4 a.m.,   in Kansas people were kneeling on their porches and praying, and in Philadelphia they were ringing the Liberty Bell.(para.11). Reagan then shares his sorrow with the Russians and he said 20 million perished.(para.16).   Scott Vanatter (2013) says , In the face a soviet union still active in the world, he clearly laid out Americas and the Allies purpose in this war (para. 4). Vannatter says this to point that Reagan said everything in a good amount of detail on what happened during the war and that Reagan explained the purpose of this war. Ethos Reagan himself shows ethos because he is the president of the United States and he is the one presenting the speech. George Elder stats since that Reagan is the president saying this speech that the audience is,aware of what happened on D-Day and is not merely reciting some generalized comments, (para.3).   He says, I tell you from my heart that we in the United States do not want war, (Reagan, 1984, para.21). He says this to his audience because he speaks for his country. He is the one that represents the United States and he is speaking   on behalf of his people that we didnt want any war. Elder talks about british troops who looked up to Bill Millin, They looked up and saw Bill Millin with his bagpipes, leading the reinforcements and ignoring the smack of the bullets into the ground around him, (Reagan, 1984, para. 7).  Ã‚   Reagan (1984) also states that they are, prepared for peace; prepared to deter aggression; prepared to negotiate the reduction of arms; and yes, prepare d to reach out again in the spirit of reconciliation, (para. 20). He said this because he wants everyone to be prepared of what might come, a war that could happen years in the future. Reagan (1984) also says, we can lesson the risks of war, now and forever, (para. 20). He said this to his audience, and anybody listening, that there is a way to stop wars from happening. They wont let another war happen from that time or ever, but that if it does happen, then they will finish it off right there and then. He engages his audience to listen to him because he tells them about how hard the men have fought, how much they have sacrificed, how many have past, and so on. He wants everyone to know that the battle has ended because of those men. Towards the end of his speech he says, Today, as 40 years ago, our armies are here for only on purpose to protect and defend democracy, (Reagan, 1984, para.18). He gathers the audience by this sentence to understand that the brave men who fought the ba ttle were the ones responsible for stopping the war. Elder states that, a number of memories in the audience as well as enhancing speaker and audience identification, (para.4). He says this because it brings the audience in the speech and the knowledge that is said in Reagans speech convinces the audience that this is what really happened. Pathos Throughout Presidents Reagans speech, he uses pathos to honor the men who fought in this time period. He speaks to the people on how much these men fought for what was right, for their country. Reagan (1984) reaches out to the men saying, Forty summers have passed since the battle that you fought here. You were young the day you took these cliffs; some of you were hardly more than boys, with the deepest joys of life before you. Yet, you risked everything here, (para.11). Even though some of these men 40 years ago were just young boys, they went out of their way to do whatever it took to fight for their country. Reagan (1984) asks the men, Why? Why did you do it? What impelled you to put aside the instinct for self-preservation and risk your lives to take these cliffs? What inspired all the men of the armies that met here? (para. 11). When he asks these questions, he already knows why they were brave enough to do what they did. Those men were there for a reason, they wanted to climb t hose cliffs, fight the battle, all to save many people. They were aware something going terribly wrong but, it was faith and belief; it was loyalty and love (Reagan, 1984, para. 11). Those men did what they had to do to stop the invasion from happening. They were aware of what could happen to them, but they did everything in their power to do what was right. Then Reagan (1984) said,   We were with you then; we are with you now. Your hopes are our hopes, and your destiny is our destiny, (para. 23). He said this to the veterans because although the war was 40 years ago, they are still with them after the battle, their families, friends, and even strangers were there fighting the battle with them in their hearts. Fallacies One of the fallacies that Reagan uses in his speech is sentimental appeal. The reason being is because the whole speech is basically honoring the men that fought on D-Day. He wants his audience to admire them because they have risked so much and fought to the end. In some ways Reagan uses appeal to force because he wants to convince the audience that these men risked a lot 40 years ago and then plus he is the president of the United States. He also uses this type of fallacies because he quotes other people to tie his whole speech together and also to make his point on what he is trying to explain to his audience.   Conclusion   Reagan wanted this speech to be special since the 40th anniversary of D-Day and to honor the men who fought on this day. He gave a lot of logical facts on certain that happened on this day such as how many men fought, what they did, how many died, and where it was taken place. He convinced his audience that this was a memorable day and that we should honor the men that have fought and he also convinced them by trying to prove his point by quoting other people that are relating on what he is trying to say. He most of was honoring in the men saying that they were the ones that risked their lives that even it wasnt a force they wanted to do it for their country. Reference Page(work cited) Reagan, R. (n.d.). The History Place Great Speeches Collection: Ronald Reagan Speech on the 40th Anniversary of D-Day. [online] Historyplace.com. Available at: https://www.historyplace.com/speeches/reagan-d-day.htm [Accessed 29 Nov. 2018]. Vanatter, S. L. (2013, June 6). Ronald Reagan on the 40th Anniversary of D-Day, Pointe du Hoc [Web log post]. Retrieved from https://www.ff.org/ronald-reagan-on-the-40th-anniversary-of-d-day-pointe-du-hoc/ Elder, G. (2018). Analysis of Reagans D-Day Speech | Looking for God. [online] Ghe101library.com. Available at: https://www.ghe101library.com/non-fiction-articles/analysis-of-reagans-d-day-speech [Accessed 29 Nov. 2018].

Teaching Accounting And Finance At The Success Of The...

To obtain a challenging position in a company where I can contribute my knowledge and skills in Accounting and Finance to the success of the organisation, through broadening organisational learning and development, strengthening interpersonal relationships, displaying high level of professionalism and promoting teamwork in the organisation. Summary of Qualifications ï  ¶ A dynamic and dedicated Accounting Professional with experience in Sales and Customer Service; ï  ¶ Communication and interpersonal skills, along with client liaison and organisational skills, bolstered by administrative experience in customer-facing environments; ï  ¶ Analytical and problem solving skills, with the ability to work under pressure and maintain high degree of†¦show more content†¦Notable Achievements: ï  ¶ Worked as the temporary supervisor of the front counter when the permanent staff was on holiday; ï  ¶ Commended by the supervisor and shop owner for displaying reliability and providing exceptional service Spring Spice April 2014 – September 2014 Store Manager ï  ¶ Supervising the staff in delivering services to ensure customers are satisfied with the food quality and service; ï  ¶ Dealing with suppliers to make sure that stock quality and quantity meet the standards of daily operation; ï  ¶ Being responsible for several operational tasks such as administration, inventories and price changes; ï  ¶ Working closely with team to figure out advertising strategies; ï  ¶ Building rapports with customers in order to keep loyal customers and gain more new customers for the business; ï  ¶ Taking customers complaints and improve the service standards based on those; ï  ¶ Recording daily sales and expenses and reporting to business owner. 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