Google and its Evil Face Essay Example | Topics and Well Written Essays - 1500 words

Google and its Evil Face - Essay Example The world proclaims the web search tool as a dig for data, however neglects to take a gander at the drawback to it since in actuality Google is a debasement of the world comparable to data, protection and security. Google expresses its crucial the association of the world’s data with the goal that it very well may be reached by anybody on the planet. Be that as it may, in any event, when it gives a lot of data to the peruser, this internet searcher is the most exceedingly awful thing to have happened to our general public comparable to intensifying of peoples’ understanding propensities, where there is no all the more perusing in books. This is influencing understanding of substance procured from understanding books and read from Google list items. Google is an incredible device to get any type of data; be that as it may, it is making negative inclinations in our general public. This is concerning Google clients getting indiscreet on the data they scan for and the wellb eing worries on security (Staff and Agencies). Consequently, looking for data on Google ought to include allotment of enough time so as to scan for satisfactory data and assets, while placing into thought protection and security concerns. Truth be told, what society gets by utilizing Google is amount data, and not quality, which is the thing that individuals naturally need. Hence, people in general gets into a safe place, which it doesn't expect to leave because of the simplicity of activity for people in that level. For example, on a five-year research program the British Library and one by a U.K. instructive consortium, they discovered that individuals get fixated on searching for data once they sign on (Carr). In such cases, the clients scan for articles and diaries that they don't really peruse or expect to peruse, however rather continue looking. After this, the center lies in skimming through the articles without setting aside the effort to comprehend the idea. Thus, individua ls don't go to libraries to discover data in books or from the periodicals rooms. Therefore, Google is influencing the general public through giving them amount and by that, individuals quit perusing books on the grounds that; with just composing in Google search what they need, it would be a moment when they find the solutions and all the vital data mentioned. Google as some other informal community needs to control what the clients do. Along these lines, they would not proceed to join other web crawlers, which give email and the area where they are. Google is controlling the clients by purchasing new markets and growing in new zones, they get new highlights, a quicker hunt and there is nobody that can rival this internet searcher (Rooketix Ltd). Correspondingly, bringing of Chrome for Android into the market has uncovered how Google is capability of recalling all our perusing history and their ability to move it into the cloud (Moreni). In this manner, in the event that anybody is signed into a Google account, it is expressed in the Google security strategy that any help utilized will have the option to follow all around by utilizing the email address and your present area. In addition, they can follow all that you scan for, and as long as you search for that equivalent theme more than once, promotions will begin to show up on the sides as indicated by the most flow subjects each client look (Davies). Google dependent on its statement of purpose has gone similarly as endeavoring to gather as much data as possible. This is comparable to making a type of online stockpiling the records and different documents that individuals have. Following the statement of purpose of Google, it tries to make a database of all the information that exists on the planet and spot it in a focal spot for all to get to gratis. Considering this, Google has thought of Google Drive, which sets aside to five gigabytes of client archives;

Bag of Bones CHAPTER TWENTY-SEVEN

From the start the entryway wouldn't open. The handle turned under my hand so I realized it wasn't bolted, however the downpour appeared to have expand the wood . . . or then again had something been pushed facing it? I stepped back, hunkered a bit, and hit the entryway with my shoulder. This time there was some slight give. It was her. Sara. Remaining on the opposite side of the entryway and attempting to hold it shut against me. How might she do that? How, in God's name? She was a screwing phantom! I thought of the BAMM CONSTRUCTION pickup . . . also, as though thought were conjuration I could nearly observe it out there toward the finish of Lane Forty-two, stopped by the expressway. The old women's car was behind it, and three or four different vehicles were currently behind them. Every one of them with their windshield wipers slumping to and fro, their headlights slicing weak cones through the storm. They were arranged on the shoulder like vehicles at a yard deal. There was no yard deal here, just the old-clocks sitting quietly in their vehicles. Old-clocks who were in the zone simply as was I. Old-clocks sending in the vibe. She was drawing on them. Taking from them. She'd done likewise with Devore and me as well, obviously. A significant number of the indications I'd encountered since returning had likely been made from my own clairvoyant vitality. It was interesting when you thought of it. Or on the other hand perhaps ‘terrifying' was the word I was really searching for. ‘Jo, help me,' I said in the heavy storm. Lightning flashed, turning the deluges a splendid brief silver. ‘If you at any point cherished me, help me now.' I stepped back and hit the entryway once more. This time there was no obstruction at all and I went plunging in, getting my shin on the support and tumbling to my knees. I clutched the lamp, however. There was a snapshot of quietness. In it I felt powers and existences gathering themselves. At that time nothing appeared to move, albeit behind me, in the forested areas Jo had wanted to meander aimlessly with me or without me the downpour kept on falling and the breeze kept on crying, a coldblooded plant specialist pruning its way through the trees that were dead and practically dead, accomplishing crafted by ten gentler years in one violent hour. At that point the entryway pummeled shut and it started. I saw everything in the shine of the electric lamp, which I had turned on without acknowledging it, however from the start I didn't know precisely what I was seeing, other than the devastation by ghost of my significant other's dearest artworks and fortunes. The encircled afghan square detached itself the divider and flew from one side of the studio to the next, the dark oak outline breaking separated. The heads flew off the dolls jabbing out of the child collections like champagne stops at a gathering. The hanging light-globe broke, giving me sections of glass. A breeze started to blow a chilly one and was immediately joined and spun into a tornado by one which was hotter, practically hot. They moved past me as though in impersonation of the bigger tempest outside. The Sara Laughs head on the cabinet, the one which had all the earmarks of being developed of toothpicks and candy sticks, detonated in a haze of wood-splinters. The kayak paddle inclining toward the divider rose into the air, paddled irately at nothing, at that point propelled itself at me like a lance. I hurled myself level on the green cloth floor covering to maintain a strategic distance from it, and felt bits of broken glass from the broke light-globe cut into the palm of my hand as I descended. I felt something different, too an edge of something underneath the carpet. The oar hit the far divider sufficiently hard to part into two pieces. Presently the banjo my significant other had always been unable to ace rose noticeable all around, rotated twice, and played a splendid clatter of notes that were off key yet regardless unquestionable wish I was in the place where there is cotton, bygone eras there are not overlooked. The expression finished with a horrible BLUNK! that broke every one of the five strings. The banjo spun itself a third time, its brilliant steel fittings reflecting fishscale runs of light on the investigation dividers, and afterward beat itself to death against the floor, the drum breaking and the tuning pegs snapping off like teeth. The sound of moving air started to how would I express this? to concentrate some way or another, until it wasn't the sound of air yet the sound of voices gasping, ridiculous voices loaded with wrath. They would have shouted on the off chance that they'd had vocal lines to shout with. Dusty air whirled up in the light emission electric lamp, making helix shapes that moved together, at that point reeled separated once more. For one minute I heard Sara's growling, smoke-broken voice: ‘Git out, bitch! You git on out! This ain't none of yours ‘ And then an inquisitive meager crash, as though air had slammed into air. This was trailed by a hurrying air stream yell that I remembered: I'd heard it in the night. Jo was shouting. Sara was harming her, Sara was rebuffing her for attempting to meddle, and Jo was shouting. ‘No!' I yelled, getting to my feet. ‘Leave her alone! Leave her be!' I progressed into the room, swinging the light before my face as though I could beat her away with it. Stoppered jugs raged past me some contained dried blossoms, some deliberately separated mushrooms, a few woods-herbs. They broke against the far divider with a fragile xylophone sound. None of them struck me; maybe an inconspicuous hand guided them away. At that point Jo's rolltop work area rose into the air. It probably weighed at any rate 400 pounds with its drawers stacked as they were, however it skimmed like a quill, gesturing initial one way and afterward dunking the other in the restricting flows of air. Jo shouted once more, this time out of resentment as opposed to agony, and I stunned in reverse against the shut entryway with an inclination that I had been scooped empty. Sara wasn't the one in particular who could take the vitality of the living, it showed up. White semeny stuff ectoplasm, I surmise spilled from the work area's compartments in twelve little streams, and the work area out of nowhere propelled itself over the room. It flew too quick to even consider following with the eye. Anybody remaining before it would have been crushed level There was a head-parting scream of dissent and desolation Sara this time, I realized it was and afterward the work area struck the divider, getting through it and allowing in the downpour and the breeze. The rolltop snapped free of its space and hung like a jointed tongue. All the drawers shot out. Spools of string, skeins of yarn, little greenery/fauna recognizable proof books and woods guides, thimbles, journals, sewing needles, evaporate d Magic Markers Jo's initial remains, Ki may have called them. They flew wherever like bones and bits of hair cold-bloodedly dispersed from a disinterred casket. ‘Stop it,' I croaked. ‘Stop it, both of you. No more.' In any case, there was no compelling reason to let them know. Aside from the enraged beat of the tempest, I was distant from everyone else in the remains of my significant other's studio. The fight was finished. In any event until further notice. I bowed and bent over the green cloth carpet, cautiously collapsing into it as a great part of the broke glass from the light as I could. Underneath it was a trapdoor giving on a triangular stockpiling zone made by the incline of the land as it dropped toward the lake. The edge I'd felt was one of the snare's pivots. I had thought about this zone and had intended to check it for the owls. At that point things started to occur and I'd overlooked. There was a recessed ring in the trapdoor. I got it, prepared for more obstruction, yet it swung up without any problem. The smell that drifted up solidified me in my tracks. Not sodden rot, at any rate not from the outset, however Red Jo's preferred fragrance. It stuck around me for a second and afterward it was no more. What supplanted it was the smell of downpour, roots, and wet earth. Not lovely, however I had smelled far more awful somewhere around the lake close to that accursed birch tree. I shone my light down three steep advances. I could see a squat shape that ended up being an old can I could ambiguously recall Bill and Kenny Auster putting it under here in 1990 or '91. There were steel boxes file organizer drawers, really enveloped by plastic and piled up on beds. Old records and papers. An eight-track cassette deck enveloped by a plastic sack. An old VCR close to it, in another. Furthermore, over in the corner I plunked down, hung my legs over, and felt something contact the lower leg I had turned in the lake. I shone my light between my knees and for one second observed a youthful dark child. Not the one suffocated in the lake, however this one was more seasoned and a considerable amount greater. Twelve, perhaps fourteen. The suffocated kid had been close to eight. This one exposed his teeth at me and murmured like a feline. There were no students in his eyes; like those of the kid in the lake, his eyes were completely white, similar to the eyes of a sculpture. What's more, he was shaking his head. Try not to descend here, white man. Give the dead rest access harmony. ‘But you're not settled,' I stated, and shone the light full on him. I had a fleeting look at a genuinely frightful thing. I could see through him, yet I could likewise observe into him: the decaying survives from his tongue in his mouth, his eyes in their attachments, his cerebrum stewing like a ruined egg for its situation of skull. At that point he was gone, and there was only one of those twirling dust-helixes. I went down, holding the lamp raised. Beneath it, homes of shadows shook and appeared to arrive at upward. The capacity territory (it was actually close to a celebrated crawlspace) had been stunned with wooden beds, just to keep stuff off the ground. Presently water ran underneath these in a consistent stream, and enough of the earth had dissolved to make in any event, creeping precarious work. The smell of aroma was altogether gone. What had supplanted it was a terrible riverbottom smell and impossible given the conditions, I know, however it was there the black out, gloomy smell of debris and fire. I saw what I'd seek nearly on the double. Jo's mail-request owls, the ones she had taken conveyance of herself in November of 1993, were in the upper east corner, where there were just around two feet between the inclined bed flooring and the underside of the studio. Gorry, yet they looked genuine, Bill had stated, and Gorry in the event that he

Is It Time to Subscribe to LinkedIn® Premium

Is It Time to Subscribe to LinkedIn ® Premium You may have been wondering what the difference is between a basic LinkedIn account and a Premium one. Hovering over your photo thumbnail in the upper right corner of your profile will reveal a drop down menu where you can click to try Premium for 1 month free. You will be brought to LinkedIn’s Premium Services Page, where you will then have the option to select a Premium upgrade tailored to whether you are in job search, looking to promote your business, makes sales or hire talent. The cost for each varies and as of January 2017, is as follows: Career: $29.99/mo Business (Business Plus): $47.99/mo Sales (Sales Navigator Professional): $64.99/mo Hiring (Recruiter Lite): $99.95/mo According to LinkedIn Help, a basic account is for anyone who wants to create and maintain a professional profile online. Premium accounts are for those will specific goals, who want to get more out of LinkedIn. My unscientific observation is that more and more people are subscribing to LinkedIn ® Premium. Although I still believe that for most users, a free account will get you most of the value you need,  I feel it’s only fair to mention that there are advantages  to LinkedIn ® Premium. With LinkedIn ® Premium, you get a Premium label in the upper right of your heading that draws attention to your profile. And you have a greater ability to view other people’s profiles, see who has viewed you so you can reach out to them, and write to whomever you want on LinkedIn ®. With Sales Navigator, you’ll have the capability of adding notes and tags for all your connections, a feature that was eliminated from the free account in March 2017. For more about the special features available to Premium users, see LinkedIn Helps Premium Account FAQs under Specific Features Account Types. If these features are important to you, you might choose to subscribe to a paid package and see if you get value that equals or exceeds the investment. I’m holding out for now.

Sociocultural Factors that Lead to Eating Disorders in...

Sociocultural Factors that Lead to Eating Disorders in Young Women According to the DSM-5, anorexia nervosa is characterized by â€Å"distorted body image and excessive dieting that leads to severe weight loss with a pathological fear of becoming fat† while bulimia nervosa is characterized by â€Å"frequent episodes of binge eating followed by inappropriate behaviors such as self-induced vomiting to avoid weight gain† (DSM-5, American Psychiatric Association, 2013). These two disorders most often affect adolescent girls and young women. There are many factors that can cause body dysmorphia such as behavioral, genetic, and sociocultural. These factors can ultimately onset eating disorders. According to a study by Emily A. Young, James R. Clopton,†¦show more content†¦There are a few ways in which family members can contribute to eating disorders such as, â€Å"communicating to young women that thinness is highly valued, modeling problematic eating behaviors, a nd criticizing weight and body shape†. Finally, Young concluded that â€Å"bulimic behavior may be most pronounced in women who report both high levels of peer pressure to be thin and high levels of socially prescribed perfectionism- belief one must meet the excessively high expectations of others† (Young et al, 2004). A larger sample was used by The McKnight Investigators to assess the risk factors for the onset of eating disorders in adolescent girls. This is a longitudinal study that used 1,103 girls in school districts in California and Arizona. The girls started the study in sixth grade and ended it in ninth grade. This was to measure risk associated with puberty and the change from youth to early adolescence. Among interviews and height and weight measurements over a course of four years, the girls were also given the McKnight Risk Factor Survey IV. This survey consists of â€Å"103 questions that assess demographics, age at onset of menstrual period and dating, appearance appraisal, effect of body changes, confidence, depressed mood, emotional eating, media modeling, concern with weight/shape, parental and peer concern with thinness, teasing,Show MoreRelatedThe Media s Influence On Eating Habits876 Words   |  4 Pagesdisturbed eating habits from suppressing food to binge eating, especially in college-aged young adults. We seem to point our fingers at the media and society for a lot of the social issues in the world today. But is the media really to blame for disturbed eating behaviors that lead to eating disorders such as anorexia nervosa and bulimia nervosa? There has been quite a bit of research done in the psychology field relating several social, mental and psychographic characteristics to disturbed eating behaviorsRead MoreA Study Of Unusual Thoughts, Feelings And Patterns Of Behaviors1672 Words   |  7 PagesElements that affect disorders classified under abnormal psychology can include one s genetics, one’s environment, and their economic stability. Eating disorders are a prime examples of what abnormal psychological disorders are. Eating disorders (ED) are defined as illnesses that causes serious disturbances to an individual’s everyday diet, such as eating extremely small amounts of food or severely overeating regardless of actually having appetite.This specific type of dis order is not only focusedRead MoreThe Religion Of Thinness : An Spiritual Hungers Behind Women s Obsession With Eating Disorders1452 Words   |  6 PagesUnrealistic body images are promoted in the media and entertainment resulting in greater numbers of women and men who feel ‘too fat’ and suffer from eating disorders’† (Shell 1). Eating disorders are characterized by abnormal or disturbed eating habits such as anorexia nervosa, bulimia nervosa, and binge eating. Eating disorders have several causes including behavioral, psychological, and social factors, and they frequently appear during adolescence or early adulthood, but it may also develop earlierRead MoreEating Disorders : Eating Disorder Essay1524 Words   |  7 Pagesthat eating disorders are a lifestyle choice. However, eating disorders are a group of serious conditions in which a person is preoccupied with food and weight that they often cannot focus on anything else. Amongst all the eating disor der the main types are anorexia nervosa, bulimia nervosa, and binge-eating disorder, which are all psychological illnesses. The disorders vary between eating extremely small amounts of food, to not eating at all, or to severely overeating. Each of these eating disordersRead MoreBulimia Nervos A Psychological Disease1186 Words   |  5 Pagestry remove the excess food from body or sometime person do the long fasting and excessive amount of exercise (book). However, many author describe bulimia nervosa as a psychological disease (Rushing, Jones, Carney,2003). This disorder more frequent present in young female particular when female reaches as puberty time. Classification Bulimia nervosa can be classified into two major sub type (Rushing, Jones, Carney,2003) which is described below here 1. Non-purging 2. Purging Non-purging:Read MoreThe Role Of Nature And Nurture : Adolescence Eating Disorders1735 Words   |  7 PagesTHE ROLE OF NATURE AND NURTURE IN ADOLESCENCE EATING DISORDERS Written for Portage Learning Developmental (Lifespan) Psychology Introduction Eating disorders are complex of medical and psychiatric disorders, it can affect individuals of any age, sex, race, gender, ethnicity, and socioeconomic level. The majority of the Eating disorders discovered during adolescence, but clinicians and psychologists have found an increasing number of young children, old adults diagnosed with these illnessRead MoreThe Influence Of Media Reporting On Society s Perception Of Beauty1730 Words   |  7 Pagesan image that is unrealistic and unattainable for teenage girls. As such, based upon a macro perspective, the societal roles, status and expectations of young women have been impacted negatively. This paper will analyze how the combination of media reporting, socioeconomics and sociocultural factors contribute to the development of eating disorders as well as how society s perception of beauty has been distorted. This paper will further support the notion that societies perception of a female’s beautyRead MoreThe Eating Disorder And Anorexia Nervosa1555 Words   |  7 PagesThe eating disorder anorexia nervosa is one of complex nature that is caused and sustained by many interconnected factors of life. Characterized by strict dieting, an unrealistic perception of body image, excessive exercise, depre ssion, and OCD, this disorder has the ability to boycott the lives of many individuals (Pinel, 2014). In order to understand the effects that this disorder has, it is essential to look at the socio-cultural, psychological, and physiological factors this disorder can entailRead MoreThe Prevelence of Eating Disorders2839 Words   |  11 Pagesto varying factors shaping these patterns (Mcleod). One of the topics that is an ongoing challenge, particularly in young adolescent females, is eating disorders. As with most mental illnesses, eating disorders are not caused by just one factor, but rather by a combination of cognitive, sociocultural, and biological factors. There are many psychological causes and personality traits that may predispose people to developing eating disorders. Most people that suffer from eating disorders can be describedRead MoreFemale Body Image and the Mass Media Essay2272 Words   |  10 Pagesand has negative thoughts, Emily seems to have negative body image. This perception of her physical appearance is known as body image which is the way a person feels about his or her body. It affects both men and women, young and old. The definition of beauty is defined by many factors family, friends, peers, the media, and puberty and development. Often the definition of beauty is a narrow thing that includes only a select group of people. Days are filled with images and other depictions of beauty

Cultural Diversity in Schools Essay examples - 1970 Words

Cultural Diversity in Schools EDCI 401 Name Here JANUARY 31,1997 Since early American history, schools, like society, have addressed cultural diversity in different ways. In the colonial days, some attempts to adjust to cultural differences were made in the New York colony, but the dominant American culture was the norm in the general public, as well as most of the schools. As America approached the nineteenth century, the need for a common culture was the basis for the educational forum. Formal public school instruction in cultural diversity was rare, and appreciation or celebration of minority or ethnic culture essentially was nonexistent in most schools. In the 1930s, the educators were in the progressive†¦show more content†¦The answer is clear: We must (Tamura, 24-25). Students need to understand that they are participating in many different networks. They are involved in social networks, not just ethnic or racial ones; however, their cultural background and experiences may indeed have an impact upon the nature of their participation in these other networks. Students also need to understand they are also individuals with talents, skills, strengths, weaknesses, likes and dislikes (Ryan, 27). A goal for all students, American born or not, is to develop cross-cultural acceptance, to have them develop strategies to work through their own prejudices and to sustain their own dignity when they become the targets of prejudice. We as teachers must work very hard to teach children to sustain and protect our democratic way of life and to build a world culture of human beings who resolve disputes in ways that protect the rights of all (Higuchi, 70-71). The curriculum at Madison is different than any other school I have been associated with. Mr. Warren and his staff base the curriculum on the needs of the students. As I have stated in my journal, the language arts is the area of study with the biggest deficits. Math, Spelling, and Reading are the main emphasis of the curriculum. I witnessed a one science lesson with the gifted students. Madison has made great strides to improve in the area of language arts, they have improved many studentsShow MoreRelatedCultural Diversity At Washington Elementary Sch ool883 Words   |  4 Pageshad to go to a local elementary school and take a walk around its neighborhood. I was told to observe cultural diversity, types of homes surrounding the school, and answer a variety of questions regarding the kinds of students that attend the school. I was originally a bit baffled by the kinds of questions on the sheet like are there any apartment buildings near by? or where do the children get food? I thought to myself Why do these things matter to a school? And then as I was going throughRead MoreCultural Diversity : An Important Component Of A School Essay1784 Words   |  8 PagesCelebrating cultural diversity is an extremely important component in a school. Having various students from different backgrounds and cultures is a common occurrence in many classrooms around the world. However, sometimes these children do not feel included or accepted and this makes it even more important to celebrate the diversity of the students (Roach, 2015). It is, th erefore, the teacher s responsibility to make these children feel even more accepted, because feeling isolated may be extremelyRead MoreThe Importance Of Teaching Schools With Cultural And Linguistic Diversity Essay1401 Words   |  6 Pagesteaching practice in schools when working with cultural and linguistic diversity. Initially this essay will draw together pedagogical foundations to show the importance for understanding how and why diversity is an issue that needs both personal and professional reflection. Examples of effective practice in three schools will be considered, Clover Park School, Richmond Road School and Finlayson Park School. Creating a learning environment that caters for diversity at Clover Park School involved usingRead MoreCultural Diversity At The California College Of Arts1234 Words   |  5 PagesRunning head: CULTURAL DIVERSITY 1 CULTURAL DIVERSITY 6 Cultural diversity Name Professors Name Institution Date Introduction Cultural diversity has impacted the American Society and studies as well. It is important to encourage students to explore the diversity of culture in America and also understand how culture has changed the landscape. The essence of studying diversity in culture is to help students understand the global community interrelations and how ethnicity, raceRead MoreA Letter From District Administrator1569 Words   |  7 PagesA Letter from District Administrator Greetings Parents, Staff, Students, and Community Members, Hazelwood School District is committed to providing an equitable education to our diverse learners with culturally responsive instruction. Through our commitment, we have formed a Strategic Diversity Planning team that consists of district and school administrators. The team reflected on the district mission, vision, student demographics, and performance data. Our extensive reflection revealed theRead MoreMulticultural Education Is A Method For Instruction That Values Diversity Within The Classroom1227 Words   |  5 PagesStates diversity will become progressively more reflected in our schools. In our school, students are becoming increasingly diverse, by assisting pupils to attaining knowledge, attitudes they need in order to become active citizens within our society. Teaching a group of diverse students from different backgrounds, ethnic, and other cultural groups in a school environment that supports diversity within a classroom setting incorporate teaching. More importantly, it is important that within schools teachersRead MoreUnit 204: Equality, Diversity and Inclusion in Work with Children and Young People Assignment 1816 Words   |  4 PagesEquality, diversity and inclusion in work with children and young people Assignment 1 Within a school, equality, diversity and inclusion is very important. It is their duty to make sure all children have equal access to the curriculum. Whether they are a different race, culture, gender or have a special need or disability, it is important that they are supported and have a right to participate and be treated equal; this is known as inclusion. As part of this it is important that schools and otherRead MoreCulture Has On The Process Of Learning And Teaching1382 Words   |  6 Pagesculture has on the process of learning and teaching. Santoro refers to Morgan and Slade who explore cultural learning tendencies and different views of knowledge, learning and teaching. For Indigenous people, it is suggested that they consider effective learning as being ‘contextual, interdependent, subjective and motivated by community commitment and obligation’ compared to non-Aboriginals where learning tends to be ‘fragmented and theoretical’ (Santoro, 2007). Thi s highlights the need for teachersRead MoreThe Classroom Environment Should Look And Feel Welcoming For All Children949 Words   |  4 Pages Diversity is what makes each person in a classroom different from each other, even though you could be the same color of the person sitting next you, does not mean you are the same. The classroom environment should look and feel welcoming for all children. So it can show the diversity of the world in which we live in. Children should be provided with essential information about who they are and what is important, making an effort for this to happen creates a setting that is rich in possibilitiesRead MoreTexas Schools and DIversity Essay1641 Words   |  7 PagesIn 2007-2008, Texas schools had a large ethnic distribution of students. Specifically, African American students made up 14.3% of the overall student population; the Hispanic student population was 47.2%; and 34.8% of the student population was White. The smallest groups represented included Native American and Asian/Pacific Islanders with Native American students and teachers representing only 0.3% of students (Texas Educa tion Agency, 2009). According to demographic projections, minority populations

Satan and Evil in the Quran Free Essays

It is interesting to read the seventh chapter of Major Themes of the Quran. There is an abundance of information explaining the traditions and fundamentality of this argument. It is really interesting to see the common threads that run through the three major religions. We will write a custom essay sample on Satan and Evil in the Quran or any similar topic only for you Order Now When evil and satan is discussed in the Quran it is often referred to along with the jinn. The jinn are the metaphorical representation of the humans. They are often imbued with names such as satans or the Devil. There is much made from the repeated statements that satans stealthily attempt to snatch news from the heavens but are driven away. (Major Themes of the Koran 121) It then goes on to say that the jinn were given the opportunity to listen to the Quran, and then choose the path of good or evil. It is important to note that the information is given to Mohammed from God, and that it is not recorded that the Prophet Mohammed had an contact with the jinn. In the Quran, Satan or evil is not seen as the enemy of God, but rather the rival and enemy of men and women. Satan cannot touch God, is not an equal, so satan preys upon men and women to rebel against God’s command. In the Bible there is the similar belief that Satan is there to tempt men and women to break God’s commandments. A parallel could be drawn between the Quran’s warnings and the Bible’s warning to be vigilant against the activities of Satan. â€Å"O people! Enter all of you into peace and do not follow the footsteps of Satan, for he is your manifest enemy. †(2:208) Satan’s power is derived from the weakness of men and women. In the Quran the devil appears more cunning and artful than strong. . . (Major Themes of the Quran 125) The devil simply invites people to make an error, people still have the ability to say no. The story of Adam and Eve is a common theme through both the Bible and the Quran, and it illustrates this point well. The apple was simply offered, perhaps cajoled, but never forced. Again the common thread, all people must guard against the influence of evil, because it is insidious. The Quran often parallels jinn to mankind, the struggle between evil tendencies and good are in both. It details why it is easy for people to deceive themselves into believing what they are doing is just, ut in reality is just self-serving behavior. Satan is often referred to in the plural satans in the Quran, illustrating its use for both mankind and jinns. There is no satan independent of these two types of beings according to the Quran, one must exist for the other to exist. Satans is also used to for disbelievers. It is said that they take in satans at the exclusion of God. It is believed that as God sends messages to his prophets, so satan sends messages to his wicked followers. Major Themes of the Quran 130). The theme of satan and evil is interesting as it appears in the Quran. There are many parallels with the Bible, such as the story of Adam and Eve. The struggles of men and women against the temptation of evil, is another parallel in the Quran and Bible. The Quran does talk about jinns, which is different than anything mentioned in the Bible. Another large divide is the bel ief that all disbelievers are evil. Consequently I believe there are more similarities than differences. How to cite Satan and Evil in the Quran, Papers

Corporate Financial Management Microsoft Dynamics

Question: Discuss about the corporate financial management for Microsoft Dynamics AX 2012? Answer: Dividend Policy of a firm has no relevance to the value of the firm. Miller Modigliani 1961 From the above statement of Miller Modigliani (1961), it is analysed that value of a firm determines from the investment decisions as well as dividend policies for the same (Aamer 2013). Most of the academic scholars observed that dividend policies entirely affect related means of financing like sale of new equity sales. Main arguments lie in assumptions. It is found that investors do not really care that the dividend received generates from capital gains income or dividend income in an overall manner. Assumptions to this theory include no issuance costs (Barrow 2011). It is assumed that organization who is found paying the issuance costs from the new securities will obtain required equity capital at preferred cost. It influences on past earnings as dividends as well as retaining for the same. Factors include existence of related policy investment in the most appropriate form. From the perspective of Miller and Modigliani, investment policy of an organization largely impacts dividen d policy (Bekaert and Hodrick 2012). From the viewpoint of theory, it includes existence of investors who mainly favours dividend policies for firms irrespective of shared values. It mainly identifies the dividend policy alteration of an organization and ends up losing the stakeholders for other entities (Berry 2011). It mainly presents the dividend policies and lead to temporary reduction for related price of stock within an organization. Investors who prefer new dividend policy should perceive entities for undervalued items for the same. It involves triggered purchasing as well as buying of more shares under the dividend policy. This theory enhances transactions in an instant manner as well as carries cost for the investors in the most appropriate way (Deegan and Unerman 2011). Net outcomes present the value of the stock and altered connections from the related theory in an overall manner. Modigliani and Miller notes that empirical evidence suggests related changes for the dividend policy. It mainly influences the prices of stock and prefers policies at reasonable as well as stable dividends in an overall manner (Eun and Resnick 2012). Increased dividends specify types of information including anticipated higher earnings in the near future. Dividends perceive conveying essential information on concerned earning prospects from the firm perspectives. In accordance with the theory, it reveals information content for policy dividend as well as influences in share prices for understanding the dividend patterns for the same. In the real world, dividend policy is relevant to a firms value It reveals the essence of changed payments for dividends as well as signals concerning with management evaluation for the same. Cash flow analysis and future earnings are analysed for briefing dividend policies in an overall manner. (Eun and Resnick 2012) Management perceives full information from the future profitability prospects and existing shareholders for the same. Changed dividends helps in providing unambiguous indicators that mainly concerns future prospects of a company. Information is conveyed by methods like management presentations as well as security annual reports for changed dividend policy. It affects the dividend changes as well as capital structure for the same (Wink and Corradino 2011). From the perspective of investors, it is revealed that dividend payments help in building positive impact for the company. Management should be aware of the uncertainty of dividend payment and unstable impact from the potential investors (Schroeder, Clark and Cathey 2011). It reveals the financial performance especially in financial markets. It mainly influences potential investors in decision-making process as well as investment in the company. From the above statement by Modigliani and Miller, it does not hold bad dividend policies as well as negative ramification for the same (Schiff and Lewin 2012). It involves negative representation of dividends for the cash flow entities in an overall manner. Special dividend policies affect the issuance of dividend policies in the most appropriate form. It affects cash and cash equivalent especially in the balance sheet. It offers suggestions for generation of reasonable returns. Special dividends involve pay-outs as well as increased EPS in business operations. Most of the authors establish belief that investors prefer stable dividends as well as put market premium in the organization for smooth functioning of business enterprise (Rothenberger and Siems, 2012). This study deals with critical analysis on dividend policy. According to Miller Modigliani (1963), dividend policy does not possess enough relevance in the valuation. Dividend policy involves sets of rules as well as regulations and decides on the profit structure for paying the stakeholders for the same. It is noticed that dividends are the key indicator for maximization of attributes like shareholders wealth and share prices in an overall manner (Qu and Yang, 2012). Modigliani-Miller Theory explains the main proponent for dividend irrelevance notion. This particular theory explains the concept from the point of view of investors. It is noticed that investors do not pay much importance in understanding the dividend history of the business organization. The above theory gives direct contrast on Dividend Relevance Theory for understanding the importance of valuation of particular business enterprise (Madura 2012). On critical analysis, it is relevant to understand implications of Modigliani Miller Model. Merton Miller proposed this particular model in the year 1961. They decided on factors like dividends as well as capital gains equivalency in considering the return on investment for the same (Leo et al. 2012). This model affects the valuation for company based upon earnings for getting direct results in investment policies from future perspective in an overall manner. It is important to consider the fact that investment policies needs additional inputs from the dividend history of particular business organization. Addition to that, investment decisions depends entirely on the investment policies in the most appropriate way (Kapil 2011). From the above statement, it is critically analysed that theory indicates irrelevance from the arbitrage argument. Logical ways includes dividend distribution for dividends and related distribution for the shareholders for offset in external financing in an overall manner. Distribution of dividends includes the decreased price of stock and nullifies the gain attributes made by the investors in way of dividends for the same (Grieve 2013). Emphasis relies mainly on cost of debt as well as cost of equity purely affected by advantage in the near future. This particular theory suggests related assumptions including perfect capital markets. It includes rational investors for assessment of free information and related transaction costs for the same. It influences large investors based upon the market price of the share in the near future. Taxes possess no existence for dividends and capital gains attributes at the same rate. Business organization should not change with existing investment p olicies. It involves new investments financing through retained earnings. Investors should analyse future market prices as well as dividends for the same (Greene and Dince 2012). The above statement on Modigliani Miller ensures empirical evidence on matters relating to policy dividends in an overall manner. This particular theory faces several limitations that need urgent attention for future analysis. This theory shows no difference between internal as well as external financing for the same. It mainly focuses on shareholders wealth for the affected dividend in the most appropriate way (Gapenski and Pink 2012). It enhances transaction cost in association with selling shares for making cash inflows. Most of the investors prefer dividends in comparison with other external factors in an effective manner. On critical analysis, it is revealed that Modigliani Miller dividend policy helps in valuation of shares in an appropriate way. This is one of the popular models that mainly believe in irrelevance of the dividends in an overall manner (Eun and Resnick 2012). This policy mainly suffers by vast limitations and criticizing with certain assumptions for the same. Business and Financial Risks faced by Imperial Tobacco Business Risks Imperial Tobacco faces risks including financial, social as well as environmental for the same. This company reviews the policies and risk management procedures in order to ensure protection for the shareholders in an overall manner. This particular company faces illicit trade in tobacco accounts around 12 percent especially in the tobacco market (Aamer 2013). It increases the growing problems for the legitimate tobacco industry and fails to recognize relationship with regulations and elicit trades for the same. Financial risks involve reduced disposable incomes, cheaper products as well as consumer look in the most appropriate way. Illicit trade involves smuggled genuine tobacco products, illicit whites as well as counterfeit tobacco (Barrow 2011). Imperial tobacco faces business risks involving high illicit trades leading erosion for demanded legitimate tobacco products. It increases damage and spoil brand integrity and loss of overall potential earnings (Bekaert and Hodrick 2012). It affects the reputation of the business firm for future organizational operations in an overall manner. This company faces substantial increase in excise duty as well as unfavourable change in tax treatment. It adapts from the demand products as well as future profile development on an adverse manner. Imperial tobacco faces financial risks involving increased level of excise duty. It should encourage consumers for higher priced cigarettes and low-priced cigarettes for fine cut tobacco. Increased excise duty involves encouragement from legal point of view (Berry 2011). It will reduce illegal cross-border trade from related countries for the same. It mainly affects the sales as well as cost influencing restrictive regulatory practices in and around the world. Imperial Tobacco engages regulators for development of related regulatory proposals for the same (Albrecht, Stice and Stice 2011). Future changes will bring immense regulatory actions for increased cost and contribution for related illicit trade in an overall manner. Financing Risks Imperial Tobacco faces potential cost and cash management problems. It mainly includes committed debts for financing in debt markets as well as bank loan markets for the same. It expects refinancing structure and valuation of debt policies (Balla 2012). It matures on availability of committed funds especially from bank counterparties availability for the same. Imperial Tobacco is unable to refinance the debt structure at the time of maturity. It influences the debt capital markets and related loan markets in the near future. Addition to that, it enhances increased refinancing debts for maturity issues and high current costs on an adverse way. Imperial Tobacco faces reduced availability of financing in their business operations. This is because of inclusion of bank counterparties and unable in managing commitments. It fails to deliver funds and commitment as and when required (Baltazar 2012). It is noticed that material parts of Imperial Tobacco influences fixed levels of interest. It exposed from the interest rates resulting the higher cash inflows for the same. Imperial Tobacco fails to manage the refinanced debt and higher interest costs. It involves low profitability, credit rating as well as ability for operating in going concern in the most appropriate way (Barrow 2011). Addition to that, company includes limited ability for borrowing additional funds and reduces level of flexibility in an overall manner. It involves competitive as well as industry pressures and high opportunities in the most appropriate way. Recent Financial Performance of Imperial Tobacco From the annual report of Imperial Tobacco, Finance Director recognized achievement of positive financial outcome in the year 2010. Further, it is noticed that positive financial performance engages in effective utilization of cash as well as cost management in an overall manner (Bekaert and Hodrick 2012). In the year 2013, net revenue ensures from sale of tobacco reduce with one percent. On the contrary, net volume reduces with seven percent as well as offers future gains in the most appropriate form. Financial performance reflection influences in the emerging markets for future gains. In the operating environment, it includes related fees for logistics distribution and reduces in the 5% economic headwinds especially in the European region (Berry 2011). Addition to that, Imperial Tobacco faced increase of one percent in the operating profits. This ensures favourable financial performance especially in emerging markets. Gain realization includes in markets like USA, Russia. There was consistent decline in the net revenue as well as volume especially in Spain (Deegan and Unerman 2011). Illicit trade gets affected by increased duty. It affects changes in duty as well as deregulatory factors in markets especially in Morocco. From the financial statements of Imperial Tobacco, it is understood that financial statements undergoes going concern basis for historical cost convention policies act in the year 2006 (Eun and Resnick 2012). In accordance with Section 408 of companies act, it is revealed separate profit and loss account preparation for each particular company. In the year 2015, it is noticed that shareholders continues in building quality as well as attainment of sustainability for business activities in the most appropriate way. It mainly focus on goal maximization, cost as well as involving cash opportunities for achieving targets as well as further transition for the same (Gapenski and Pink 2012). Financial performance of Imperial Tobacco influences transition programs and strengthening business for future growth policies in an overall manner. Investments Imperial Tobacco comprises investment from the subsidiaries as well as shown in the provision for impairment for the same. Dividends Imperial Tobacco ensures paying final dividends for recognizing the liabilities for the period. It approves by the shareholders, dividends receivable as well as asset recognition in an overall manner (Greene and Dince 2012). It enhances interim dividends for the time period and related financial information in the near future. Financial Instruments It includes non-derivative financial instruments in form of debtors. Debtors get recognized from the fair value and amortised for cost allocation in relative effective interest method for the same (Grieve 2013). It enhances impairment for established receivables for objective evidence for original terms of receivables in an overall manner. Dividend per share in respect with current financial year of Imperial Tobacco Dividend per share 2014 2015 Interim 29.2 22.3 Final 55 50 Total 84.2 72.3 Interim dividends are paid from recognizing second half of the year and final year for one complete financial year. Distribution from ordinary shareholders of Imperial Tobacco million 2014 2015 Final Dividend from the previous financial year 666 545 Interim Dividend 285 156 Total 951 701 Investments Cost of shares in Imperial Tobacco million 2014 2015 1st October 3450 1090 Additions - 1500 30th September 3450 2590 Debtors Imperial Tobacco recognized falling debtors owned by group undertakings in an overall manner. Reserves million Share Premium Account Profit and Loss Account 1st October 2015 5560 1119 Profit for the year - 2807 Dividends - (892) Purchase of own shares - (182) 30th September 2015 5560 2852 Profit for the year From the financial statement of Imperial Tobacco, it is evident to calculate profit for the current financial year (Horngren 2013). It influences profit attainment by shareholders and deal with financial statements. It includes audit fee charge of around 0.4 million at relative cost. Treasury shares It involves the shares purchased from the buyback programme for detainment of deduction from shareholders funds in an overall manner. It includes purchase group of 867000 shares at cost of around 182 million in the near future (Horngren, Harrison and Oliver, 2012). Debt Capacity of the business and sources of finance available to the firm From the annual report on Imperial Tobacco, it is evident to understand the company achieved consistent increase in debt capacity from the year 2008. Attribution of increased debt influences acquisition in early 2007 (Kapil 2011). It undertakes mandatory information on large borrowings from Imperial Tobacco. Debt accumulated gradually reduced and fast rate from the past few years for the same. Imperial Tobacco main source of financing involves sale of shares. This company believes in creating value to its shareholders. Addition to that, sources of finance of Imperial Tobacco derives from sale of excessive diverse brands in an overall manner (Leo et al. 2012). This company makes effort in generating good profit in the business as well as prioritize positive returns on growth in the most appropriate form. These company manufacturers: Fine Tobacco Smokeless Tobacco Paper Cigar These product and diverse brands access generating huge record in getting positive returns as well as accounts for more than 12% of total tobacco. Imperial Tobacco believes in conducting policies on adequate capital funding and committed bank facilities for the same (Libby, Libby and Short 2011). This approach helps the company in meeting the unforeseen borrowing needs especially in the peak periods in the near future. This particular company entered into related assets as well as brands in exceeding bank facilities over 7.7 billion euros (Madura 2012). Imperial Tobacco continuously revolves around credit facilities as well as term loans in an overall manner. Recommendation on an optimal capital mix of Imperial Tobacco From the annual report of Imperial Tobacco, it is recommended that optimal capital mix reveals the best debt to equity ratio for maximizing in the value in the business operations. It mainly offers the company balanced debt to equity range ensuring minimization of cost of capital of Imperial Tobacco (Schroeder, Clark and Cathey 2011). Optimal capital structure ensures great deal of attention for maximization of value for the shareholders of Imperial Tobacco. It is recommended to increase in processing equity and reduction of debt for smooth functioning of business activities. It should reduce in the amount of equity for available returns providing improved shareholders for the same (Scott 2011). It helps in creating favourable image as well as perception from the investors of Imperial Tobacco. It ensures open market policy and adjusted earnings per shares. It is advisable that Imperial Tobacco should generate cash and harbours related capabilities for significant amount of debt in the near future (Spiceland, Thomas and Herrmann 2011). It should make ways in providing effective optimal mix strategy for the investors and shareholders for the same. It should continue with reasonable mix of equity and debt in the main capital structure decisions in the most appropriate way (Wink and Corradino 2011). It endeavours constant dividend policies and dividend pay-out ratio in an effective way. Reference List Aamer, M. (2013).Microsoft Dynamics AX 2012 Financial Management. Packt Publishing. Albrecht, W., Stice, E. and Stice, J. (2011).Financial accounting. Mason, OH: Thomson/South-Western. Balla, D. (2012).CLEP financial accounting. Piscataway, NJ.: Research Education Association. Baltazar, E. (2012).International GAAP 2012. Chichester, West Sussex, U.K.: John Wiley Sons. Barrow, C. (2011).Practical financial management. London: Kogan Page. Bekaert, G. and Hodrick, R. (2012).International financial management. Boston: Pearson. Berry, L. (2011).Financial accounting demystified. New York, NY: McGraw-Hill. Davies, T. and Crawford, I. (2012).Financial accounting. Harlow, England: Pearson. Deegan, C. and Unerman, J. (2011).Financial accounting theory. Maidenhead, Berkshire: McGraw Hill Education. Eun, C. and Resnick, B. (2012).International financial management. New York, NY: McGraw-Hill. Gapenski, L. and Pink, G. (2012).Understanding healthcare financial management. Chicago: Health Administration Press. Greene, M. and Dince, R. (2012).Personal financial management. Cincinnati: South-Western Pub. Co. Grieve, I. (2013).Microsoft Dynamics GP 2013 financial management. Birmingham, UK: Packt Pub. Horngren, C. (2013).Financial accounting. Frenchs Forest, N.S.W.: Pearson Australia Group. Horngren, C., Harrison, W. and Oliver, M. (2012).Financial managerial accounting. Upper Saddle River, N.J.: Pearson Prentice Hall. Kapil, S. (2011).Financial management. Noida, India: Pearson. Leo, K., Knapp, J., McGowan, S. and Sweeting, J. (2012).Company accounting. Libby, R., Libby, P. and Short, D. (2011).Financial accounting. New York: McGraw-Hill/Irwin. Madura, J. (2012).International financial management. Mason, OH: South-Western, Cengage Learning. Qu, X. and Yang, Y. (2012).Information and business intelligence. Berlin: Springer. Rothenberger, S. and Siems, F. (2012).Pricing perspectives. Basingstoke, UK: Palgrave Macmillan. Schiff, M. and Lewin, A. (2012).Behavioral aspects of accounting. Englewood Cliffs, N.J.: Prentice-Hall. Schroeder, R., Clark, M. and Cathey, J. (2011).Financial accounting theory and analysis. Hoboken, NJ: Wiley. Scott, W. (2011).Financial accounting theory. Toronto, Ont.: Pearson Canada. Scott, W. (2012).Financial accounting theory. Toronto: Pearson Prentice Hall. Spiceland, J., Thomas, W. and Herrmann, D. (2011).Financial accounting. New York: McGraw-Hill/Irwin. Wink, G. and Corradino, L. (2011).Intermediate accounting demystified. New York, NY: McGraw-Hill.

The Body Essay Example For Students

The Body Essay The BodyIn Castel Rock Maine, There were four boys Vern Tesio, Gordie LaChance, Chris , and Teddy Duchamp. They have a tree house in a abandon parking lot where they play cardsand hang out. Vern comes and tells the gang that when he was under his portch lookingfor his penneys that he had burried when he was eight he over heard his brothertalking to his friend charlie hogan about the child that was missing but theysaid that they did it and they said where the body was. We will write a custom essay on The Body specifically for you for only $16.38 $13.9/page Order now Gordies brrother died in car crash. Gordies parents never paid any attention to Gordie. There was a story that started in the book,and I didnt get it. Itwas a nudity scene, like a story but just started in the middle of the book. So they each told there moms and dads that they were camping out inthe field when they where realy going to find the dead child. Chris brought a gun that he stole off of his dads bureau. He let Gordiesee it and he told Gordie that it wasnt loaded. So Gordie pulled the trigger. And KA-BLAM. The gun was loaded and he shot the trashcans behind the diner. The waitress came out but she thought it was fircrackers. They started out on there mission walking along the train tracks. Teddy Duchamp played chicken with the train pretending he was aparatrooper, but Chris pushed him out off the way in the nick of time. Theyget into a fight but settle it. They go into the town dump to get a drink of water. It is restricktedto go in there when the dump isnt open. They fliped to see who goes to thestore to get the food. when they fliped they got a goocher which vern says isbad luck, so they flip again ang Gordie looses. Gordie goes to the store to get the food and he gets in a fight with theclerk about being gipped on the money because when Gordie add it up it came outto be less then what the clerk said. When Gordie came back to the dump he couldnt find the guys and henoticed that the owner of the junkyard was here because his car was here. So hetried to make a run to the opposite side of the junk yard. But the man noticedhim a sicked his dog Chopper after him. He made it to the other side to findhis friends standing there telling him to come on. The owner of the junk yard was really mad at th kids for trespasing. But the kids just kept calling the owner names. The owner got realy mad and called Teddys dad a looney. Teddy gotreally mad and said that his dad stormed the beachs of Normady. They had to cross this train bridge the only problem was that theydidnt know when the next train was due. They started to cross the bridge whenthey noticed a train was comming so they started running. Vern and Gordie werein the back when chris and Teddy were up front. Chris and Teddy made it easelybut Vern and Gordie made it by the skin of the teeth. Gordie told a story when they camped out. It was about this pie eatingcontest. This looser in the school was called Lardass. Everyone hated him sohe wanted revenge. He ate a egg and some alchole to make him throw-up beforethe contest. He ate 6 pies and then through-up on the person who was thereturning campion. Then everyone started trowing-up. .u4c2a3fd56c66749c5e11c5a60ad37894 , .u4c2a3fd56c66749c5e11c5a60ad37894 .postImageUrl , .u4c2a3fd56c66749c5e11c5a60ad37894 .centered-text-area { min-height: 80px; position: relative; } .u4c2a3fd56c66749c5e11c5a60ad37894 , .u4c2a3fd56c66749c5e11c5a60ad37894:hover , .u4c2a3fd56c66749c5e11c5a60ad37894:visited , .u4c2a3fd56c66749c5e11c5a60ad37894:active { border:0!important; } .u4c2a3fd56c66749c5e11c5a60ad37894 .clearfix:after { content: ""; display: table; clear: both; } .u4c2a3fd56c66749c5e11c5a60ad37894 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u4c2a3fd56c66749c5e11c5a60ad37894:active , .u4c2a3fd56c66749c5e11c5a60ad37894:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u4c2a3fd56c66749c5e11c5a60ad37894 .centered-text-area { width: 100%; position: relative ; } .u4c2a3fd56c66749c5e11c5a60ad37894 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u4c2a3fd56c66749c5e11c5a60ad37894 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u4c2a3fd56c66749c5e11c5a60ad37894 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u4c2a3fd56c66749c5e11c5a60ad37894:hover .ctaButton { background-color: #34495E!important; } .u4c2a3fd56c66749c5e11c5a60ad37894 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u4c2a3fd56c66749c5e11c5a60ad37894 .u4c2a3fd56c66749c5e11c5a60ad37894-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u4c2a3fd56c66749c5e11c5a60ad37894:after { content: ""; display: block; clear: both; } READ: Leadership Attributes in Public Health EssayThey took a short cut through a field to make better time. In there short cut they had to pass a swampy area. when they crossedthe water they noticed leaches all over their bodies. Gordie passed out when hefound a leach in his underwear. When they arrived at the dead childs body along came Verns brother billywith his gang wanting to take away the body and get credit it for finding it butGordie shot the gun into the air and made everyone leave so no one could takecredit for finding the body. The figured the best way to help the police was by a anonymous call totell them where the body was. Vern was killed in a house fire in a appartment building in 1966. Teddywent in a car crash. Chris was stabbed in a chicken store. And Gordie is awriter with a family.

Common Spelling Mistakes Should You Use Lose or Loose

Common Spelling Mistakes Should You Use Lose or Loose Do you know the difference between the words â€Å"lose† and â€Å"loose†? Do you wonder each time you write one of these words whether you’re spelling it right? Today I will not only give you examples of how to know whether to use lose or loose, but I will also give you a trick to remember forever which spelling is correct. Lose is Always a Verb Some of the most common meanings for the word â€Å"lose† are to come to be without something, to fail to keep track of something, to have someone die, or to fail to win. Here is a list of some things you can lose: keys; money; a job; 25 pounds; loved ones; a game of pool, your virginity, or your mind. Before you get lost in thought about all the things you might lose, let’s move on to our next word. Loose is Usually an Adjective â€Å"Loose† can mean free, unfettered, unbound, or lacking in restraint; a few of its antonyms (opposites) are firm, bound and tight. It can also be used as a VERB meaning to let go of, let shoot or fly, or set free. Examples of Things that Can Be Loose Some things that can be or get loose are: Hair, knots, zoo animals, a sexually promiscuous person, a structure, an interpretation, vegetables in the grocery store, and teeth. There are many idioms that use the word â€Å"loose† such as â€Å"let loose,† â€Å"break loose,† â€Å"cut loose,† â€Å"hang loose,† â€Å"turn loose,† and â€Å"on the loose.† And are any of you â€Å"footloose and fancy free†? I hope the difference between â€Å"lose† and â€Å"loose† is clear. Now, how will you remember which is which? Knowing When to Use Lose or Loose It’s easy. Whenever you find yourself loosely throwing a double letter â€Å"o† into the word loose, ask yourself, â€Å"Should I *lose* the â€Å"o†?† Here are a few tricks to help you remember which word to use. Lose If you want a verb that means â€Å"to be without something,† then be without the extra â€Å"o†! If you want to say you â€Å"didnt win,† imagine the loser paying the winner the extra â€Å"o.† If you misplace something, misplace the second â€Å"o.† Loose If on the other hand, if you want your word to mean free, unbound, or anything loosely in that category, be free with your â€Å"o†Ã¢â‚¬â„¢s! Dare I say, â€Å"Use them or lose them?† If you have questions about this or any other spelling/grammatical issue, ask The Essay Expert. You can also sign up for Brendas Grammar Writing Tips List for tips on how to communicate more professionally.

Madrid Essay Example | Topics and Well Written Essays - 2500 words

Madrid - Essay Example Despite the exponential growth of Madrid as a global city in the world, there exist severe social issues such as social inequality, socio-economic distinction, unemployment, educational differences and gender discrimination etc. The extent of social inequities and uneven development in Madrid is depicted by high suicide rate. Men attempt and commit suicide at a rate higher than women in the city. According to a survey conducted in 1996-97, there were 135 people who committed suicide in which 105 were men and 30 were women.4 In the year 2005, the number of men and women who committed suicide rose significantly to 1,585 and 642 respectively.5 The mortality rate between men and women are different. The differences in suicide rate among men and women can also be explained with the help of distinctions in educational level and socio economic conditions. Out of all the men committing suicide in Madrid, about 63% of men belonged to lower secondary education group. This rate is slightly high er in women, which is 73% at the same educational level. 6 It shows that women at lower education level confront with suicide risk more than men. Suicide rate in men decreases due to increase in the socio-economic well being. This is not the case with women. Surveys show a high level of inequities in Madrid in education etc as compared to the other countries. 7 Mental illness is also a factor leading to suicide which is highly suffered by people having lower socio-economic position in the society. Use of drugs in Madrid is also deeply concerned with the educational level. Drug addiction among women is higher than men. There are serious social inequalities in Madrid with respect to income, education, social status etc that lead to high suicide rates. The lower socio-economic level of people who are attempting suicide reveals the fact of social inequality in the city. As men are more involved with socio-economic activities, this inequality affects the mental attitude of men more than women and thus men have a greater tendency to commit suicide. The concerned authorities have now become more active in removing the inequalities and social gaps among people to decrease the rate of suicides.8 The Madrid city has high social inequalities and issues as compared to other big cities like Paris, New York, Tokyo and London etc. The differences in social and economic status play a vital role in fostering these inequalities among people leading to social issues. People of lower economic level have significant social issues and it is the greatest factor that forces them to take a step like suicide. It is imperative for the government to minimize the existing gaps between citizens in Madrid so as to make the city compete with other global cities more effectively. Women are seriously deprived of their rights not only in Madrid but in whole Spain. In response of this inequality, a movement started in 60's to defend the rights of women called equality feminism.9 There still exists gender discrimination in Madrid with respect to the social and econom

Accident victim interview Essay Example | Topics and Well Written Essays - 500 words

Accident victim interview - Essay Example Earlier before the accident in 2005, Mine Safety and Health Administration (MSHA) had visited the site and reported that the working environment did not meet the correct standards. Some of the violations included problems with escape ways, not keeping proper roof standards, and poor mine ventilation. Apparently, the mine has a history of roof falls. On this fateful day, the mine fire boss had inspected the mine and cleared it for use minutes before the first miners entered. Although the miners did not notice a thunderstorm just before they entered, US National Lighting Detection reports there was one. The lighting strike near the mine caused an ignition of methane from a recently sealed area of the mine. The result of this was a big explosion that blew out the seals and transferred smoke, dust, debris, and lethal carbon monoxide to the working section of the mine. Thirteen persons were trapped in the mine resulting to the death of twelve of them who succumbed to carbon monoxide asphy xiation. The victim inhaled carbon monoxide for a long duration, which resulted to unconsciousness. In addition, the poor ventilation in the mines resulted to destruction of some vital organs in the body. The victim stayed in the life support machine for one month and a half because his respiratory system had been destroyed. At the time he regained consciousness after two weeks, the victim could not hear, had a blurred vision, and severe headache. One year down the line, the victim could not do much for himself although he could now see clearly and hear a bit. He went back to work after four years in a different mine. MSHA officials arrived on the scene at 10.30 am but could not do much since the levels of carbon dioxide in the air prevented them from going deep in the mines. In addition, any lighting the power system could have caused another explosion. Later, MSHA found out some violations on the mine that increased the risk of the

Study On The Importance Of Green Banking Finance Essay

Study On The Importance Of Green Banking Finance Essay Introduction In our life money has always play an important and crucial role in almost in every aspect. And in this, bank is an institution which mainly deals with money. According to Freixas and Rocher bank is an institution whose current operations consists in granting loans and receiving deposits from the publics (1999, p1). Till date, the banking industry has improvised his products and facilities to provide it to their customer. No one has imagined that 100 yrs ago, that bank will play a crucial role in 21th century. Now banks are influencing the development and the growth of the economy in the way of both quality and quantity. The major source of financing investment of banking sector is from commercial projects which are important for economic growth. Hence, for promoting socially responsible investment and environmentally sustainability banks play a vital role in it. As we know banks themselves is not a polluters but its having relationships with some companies and institution which are p olluter or could be in future. Banks are environmental friendly as in term of pollution and emission in its sector. In banking sector the internal environment impact is very low and clean as in the usage of water, energy and paper. The impact is not related with banks activities but with it customers activities. Therefore, the impact of external activity is enormous which is difficult to estimate. And environmental management is like a risk management it increases the value of an institution and lowers down the loss ratio. Thus banks should encourage prudent lending and environmentally responsible investment to the institution. Further those industries which are become green and those which are on its way to get green they have to fulfil the priority to lending by the banks. This process of finance can be called as Green Banking to restore the natural environment banks makes the industries to grow green. The concept of green banking will be equally beneficial to the industries institution banks and economy. Internationally, banks and institutional investor for environmentally responsible/ socially responsible investment projects having their growing concern about it rate (Earth submit, 1992). Financial institution and bank can effectively achieve this goal because they have played an intermediary role in an economy and to the number of investors. Now-a-day environmental issue is not only a concern of the government and direct polluters, it also a concern of those institutions which are stake holders and partners of their business. So the bank and other financial institution can provide a vital support in maintain the environmental protection and sustaining the economic development. The bank operate on long term return on their investment and credit, due to the environmental liability there is risk of non -payment and in the reduction of value in credit extension and investment. So it will get more important for the banking sector to follow certain safe procedure for the environment evaluation of the projects before providing them funds. There are some studies has been shown in the positive correlation between financial performance and environmental performance (Hamilton, 1995; Hart, 1995). Thus it will get more important for the banks and other financial institution in the context of environment performance whether to invest in companies or advise client to do so. The environmental management has to follow different rule formation for conservation of the resources like clean water act, toxic substance control act, clean air act. All these are environmental liability for banking institution in a recent (Bindhu.N.Nayak, 2008). Adopting all these principle will be beneficial for the banking sector and to the financial institution as to consumers and also their stake holder. On international scale various strategies has been adopt to sustain development. The multilateral financial and development institution and international consortium has been building up the standard of environment and strategies to estimate the investment projects. The main aim of this paper is to discuss the issue of the banking sustainability and how it can play a role for the sustainable development and growth for the economy, particularly in the India aspect. Methodology The most important and difficult part of the project is methodology. As in this project the research method which is been use to examine the importance of the green banking in economy to sustain the environment with the help of it. There are certain sources to collect a data for the project such as working papers, academic journals, and relevant books. The research has been done by getting secondary data from genuine source such as articles, journals which are issued by genuine newspaper agencies of a specific country. The project is based on the secondary data analysis as getting primary data is difficult because whatever the policies is taking consideration in bank is taken by the top management authorities and it is hard to have interaction with them in personally. Research Methodology Research is to be done to figure out the proper knowledge of the subject in a systematic way. It is analytical and hard working process to figure out the about the fact and theory. The term methodology refers the theory of how research should be done (Saunders, 2009). According to Welman and Kruger (2001) there are various techniques and methods in order to get effectively and scientifically correct information of the subject by applying objective method. Systematically Review The research of this subject is done on the basis of systematic way. And there is already material has been published by a genuine source on this particular subject. As it is said by Gronhaugh and Ghauri (2005) that the word systematic suggest research is based on logical relationship and not just belief. As method of research is consist of explanation of the data collection and the outcome of the facts from the study and finding the limitation of the subject. As Tranfield (2003) stated that traditional reviews are generally lack of information and some time the source of information was not authentic. Therefore, traditional review should be done very carefully and selective which include the evidence which is supported by the genuine authors summaries (Critical Appraisal Skill Programme, 2005). Quantitative and Qualitative Investigation of Methods: It is necessary, first to understand the difference between qualitative and quantitative investigation methods. Generating or using numerical data is called Quantitative data technique and generating of non numerical data is called qualitative technique. If both techniques are using to approach the data then its called mixed method (Saunders, 2009). According to Smith (1981) every method has its own weakness and strength. And as result may be differ as the use if the different technique and approaches by the researcher. Usually researcher goes for the qualitative approaches which consist of analysation of words through illustration and non- standardised frame work and comparison. As the project is an illustrative research and the objective is to understand the importance of the Green Banking in the India. Corbun and Strass (1990) has explained that the use of qualitative method is to understand the aspect of the subject. And it can be useful in understanding more about the subject which is already known. Quantitative methods can be use to gain insights approach to the issue which is sometime not possible to get the results from the quantitative method. Therefore, to describe key issues researcher prefer to use the quantitative methods especially in the case of transfusion service management which is not possible to get through from the quantitative method. The classical structure of literature reviewing according to the researcher is like; Study of basic level of banks and its importance in the economy. And research has been done on the Green Banking at international level. Then at what level Green banks are taking initiative in the Indian economy. Accumulation of the Green banking policy and more narrows down to the work to get the objective of research. To get the transparent literature review, researcher have to describe all the approaches which make to search the selected literature, key words, outline of the choice and data base (Tranfield, 2003). To analysis the literature several journals, books, articles and electronic base data were use. Source of Tool: To get the relevant material Ministry of Commerce and Industry, India site have been re-examine which is an official website of India. There are other search engine has been used such as Google scholar and University Library site has been used to gather the resources but university Library site is come to notice that there are very less journal are available regarding Green Banking. Analysis of Secondary Data: According to Haakim (2000) secondary data from different sources can also be combined if they have the same geographical basis, to form area based data sets to get the answer of the research question secondary data can be use as in getting the objectives which is aimed for the ample assembly. Genuineness of the facts is tested by the reputed database which is publicised by the authentic resource. The aim of this study is to analysis the secondary data methods while investigating the facts and do the international comparisons and to understand the potential outcome that why Green Banking is very important in the developing countries and how they are playing a crucial role in sustaining the development of the economy like India. Aim and objectives of research: The purpose is to learn what strategies leaders in emerging market growth have adopted to attract FDI and how financial services play major role. The purpose is to develop a model for both categories and test the model empirically to substantiate the hypotheses. What are the lessons that laggards can learn from these leaders? The study intends to show a path to the PIN countries and other markets that will emerge in next two decades. Therefore the objectives of this research are as follows: To illustrate the benefits and shortcomings of Foreign Direct Investments in developing countries like India and China. To understand the impact of FDI on gross domestic product of these emerging countries. To examine current situation these economies and analyse the future possibilities of growth. Limitations of the study: This is systematic review based study of the available literature in the area of Green Banking. Genuiness is the touchstone of Analysising the literature. Whereas, there are general and accurately presented material is available about Green Banking in European countries but very few literature was found related to the Green Banking in India. And even thought their not much significant data or literature has been get from the Google scholar and University Library or any other search engine regarding Green Banking in India. Whereas, sincere efforts has been done by the researchers to get the authentic data from the genuine source and the judgement has been done on the secondary the data. Research of the Credibility: There is certain research tool to examine the credibility like Generalisability, Reliability, and validity. Dochartaigh (2002) described it as,assessing the authority or reputation of the source. Validity: In the case of qualitative research the degree of validity is to be tested. To get the correct result, test of validity is important. Validity is concerned with whether the findings are really about what they appear to be about, is the relationship between two variables a causal relationship.(Saunders, 2009). This is a valid research because it is based on systematic data analysis from the genuine resource and on the basis of this research the question has been answered. Reliability: Reliability define by Joppe (2000) it is a consistent of a result which represent the accurate number of data is presented over the time and the study of result reproduced the same methodology then it can be said that research is reliable. If the research contains the systematic review of the available secondary data of same objective with a same topic and same results then the research of study is reliable (Golafshani, 2003). Triangulation: The term triangulation means that the collection of different data technique, which ensure about what you are thinking that they are telling you (Saunders, 2009). According to Mathison (1998) it is crucial for the methodological issue in quantitative and naturalistic approaches to establish valid proposition and get control on bias because alternative epistemology is incompatible with the scientific traditional techniques. But this research is based on the secondary data analysis not from the primary sources. So, this method is not applicable for this research. Consideration of Ethical: This research is completely based on the secondary data review and not on the primary collection method like interviewing or questionnaires etc. So, the approval of ethical and confidentiality is no use in the research. The collection of data is based on books, articles, journals and reports. The research material which has been used is properly referenced and checking the authenticity of the resource to avoid the plagiarism. Importance of green banking Until now, the business operation of financial and banking institution were not acknowledged towards the environmental concern. Generally, the environmentally degrading activities of banking sectors is like obstructing or getting in the way of business affair of their client. Nevertheless, it will be risk to their business if they were dealing with the environment. Although, there are indirect cost to the banks as they are not directly affected the by the environmental degradation. It is due to the firm environmental regulation which is enforced by the other countries authorities. In the case of failure, the industries have to face the consequence which leads banks to its closure. For example, in 1980 comprehensive environmental Response, Compensation and Liability Act (CERCLA). There was a huge loss for the bank in 1980s in U.S. The bank was directly responsible for the environmental pollution of their clients activities and made them to pay the remediation cost. Thats why banks in U.S are more concern about the environment while lending the fund to their clients. In European countries banks held directly responsible for any misdeed has been done by their clients. Therefore banks and other financial institution have to engage with their stakeholder on social and environmental policy. So that their clients investment can be evaluate. This would make clients to build up a proper management for social and environmental policy issue regarding investment. The green banking is important for both economy and the bank, by escaping from the risk which is involved in the financial sector. Legal Risk: there is a relevant environmental legislation risk for banks if they do not comply with it. More particularly, there is more lender liability risk for paying up the claims and the cost of damages for pollution causing to the asset or depraved. Banks can be helped by the environmental management by enhancing it image and reduce the cost and risk and taking advantage of revenue opportunity. Reputation Risk: As now there is more awareness about the safety of environment and banks may loosen up their reputation if they involve with the big project, which are indulging in the environmental destruction. Environmental management system have a few cases as in good result in cost saving and increase in the value of the bond (Heim, G et al, 2005). Sometimes it has lower risk, great environmental stewardship and increase in profit. Reputation risk is involved in both ethically and economically. By adopting the green banking strategies bank can deal with these risks. There are two components are involved in green banking strategies (1) innovative environmentally oriented financial products (2) managing risk environment (IFC, 2007). Banks have to make a proper arrangement for environmental management system. So that risk can be evaluate which involved in the investment project. The risk can be adopted by recommending the distinctive techniques and rates of interest. From high risk project banks can withdraw fund from it. Creating services and financial products is a second component of green bank which support the environmental benefit with commercial benefit. All these comes in bio-diversity conservation, investment in renewable projects energy, investment in technologies, energy efficiency, environmental investments in mutual funds and bonds (WBCSD, 1997). There should be protective polices for the liability guideline on development and environmental risk. The financial and banking institution should prepare a report of every project they invest and finance (Jeucken, 2001). For projects seeking finance they can have an environmental assessment. For each project bank can outcome with an environmental hazard management procedure and follow it. The big financial institution like Japan bank for international cooperation (JBIC) and International financial corporation (IFC) have consolidated with environmental management in their business strategies. All projects are taking consideration into terms of environmental impact in an account factors like, the substance scale and sector of the project, uncertainty and the degree of environmental impact proposed project site. Even World Banks are lending loan to the beneficiary country on the certain level of commitment that they adopt the environmental protection measures. Over time there is a change in the environmental norms to follow the agreement. And it is considerably bit costly to follow up the standard and environmental norms. If the economic benefits can be consider in the terms of productivity health care and insurance then the cost is not much higher than the benefit. In the study its confirms that 14 billion pound had been caused in the medical expenses and 200 million working days had been loss due to air pollution which resulting in losses in productivity to the European union (Stavros Dimas, 2005). Technologies which are environmental friendly practically decrease the financial burden and also building up the economic sense for the industries. Due to the more environmental awareness among the consumer in all over the world the pollutant industries were facing resistance by the consumer which often cause them massive boycott and close down of the industries and the cost is adding enormously. The concerns about environment are articulated into the international policy trade and act as a blockade for ESGs (Environmentally Sensitive Goods). So affirming modes of production and sustainable technologies are now not taking as a financial burden. Although, it providing high profits and new opportunities for the business. Green banking has neutralized the risk, save the cost and up brings the reputation of banks. So it serves both the commercial objective of the bank as well as its social responsibility. Green banking solves the problem faced by the environmental regulation and enforcements authorities related to size and location of the polluting unit. The authorities have practical limitations on enforcing environment standard on small-scale industries and also industries located in far off places. International initiative of green banking At international level there are many banks who have taken initiative to get their branch green. There is one bank name PNC Financial Group Inc which is based in Pittsburgh has certified as a green bank. PNC green bank does not stop with getting eco-friendly construction. They include there parent company business model in developing their products, marketing and giving training to their employee. PNC is one of the banks who have taken the green concept so seriously that it evolved the idea into the brand of the company. PNC has started its construction of getting green bank in 1998. They had selected 17 different sites for their location and make sure that it is easily accessible through transportation. Then they had planned to build their building accordingly to U.S Green Building Council (USGBC) and Leader in Energy and Environmental Design certification process. In 2000 the building was completed and it was the largest LEED green certified building in the world. Some of the new features have been included into the building structure like the lobby of the building is eco with a green roof. It was stated by Gary Saulson the director of the corporate real estate that you can walk into the building lobby on 90-degree humid day without any problem because there is a three- story water wall in the space which work as coolant radiant which maintain the inner temperature of the bu ilding. Because of this innovative method PNC has set a new standard of development. And it has been appreciated by the mayor of the city for setting up the standard of eco-friendly responsibility and quality development in the city. And in 2007 PNC Bank has secure 20th rank among the Best Green Company for America Award (Deb Stewart, 2008). Now PNC has more than 58 eco-friendly branches all across the state. And 41 branches has also obtained the Benchmark of Green Bank most of the branches has granted the LEED certification. As all of these branches has follow the eco-friendly process such as; Recycling: Near about 15 percent of furniture fabric and carpet is made of green material or recycle material for example Door and cabinetry are made of wheat board which process by the wheat product. Water and Energy Efficiency :- the usage of energy has been reduce by 50 percent because of the high-tech system installation in the building and maximum usage of the natural light and water usage was also reduce by 6200 gallon in year. Reduction in land waste: Wastage of construction material like steel, wood and cardboard is to be recycled. By doing this 150 ton per branch wastage has been reduce. Using of the pre-made panel for exterior has reduced the waste, while constructing the panels. To protect the ozone layer non- chlorofluorocarbon refrigerant are use for cooling the system (Deb Stewart, 2008). In 90s the United Nations environment programme has launched a program which is known as UNEP finance initiative (UNEPFI). Under this, near about 200 financial institutions of all around the world has taken the participation and signed the initiative statement to promote the environmental development (Jeucken, 2001). The main purpose is to merge the social and environmental dimension to the financial performance. According to the UNEPFI, the sustainable development is a basic thing for the business management. It supports for the elementary advance to the environmental management and offers reconciling environmental discussion into the asset management business operations and other decision of the banks (Earth Submit, 2002). In 1991 the IFCs environmental panel was established for receiving the environmental assessment project. ABN-Amro banks which is Netherlands based banks who has developed certain polices like reputation risk management (RRM) to recognise, manage the non- financia l and asses within their business strategies. Likely, the big international banks like Deutsche, HSBC, Standard Chartered and ABN-Amro banks has look and discuss at environmental problem under Kyoto protocol. Moreover, the government of Dutch has requested formally from the banks to achieve sustainable development. This agreement has been establish between banks and government in 1999. This environmental policy will improve the development of services and new financial products. The Rain Forest Action Network (RAN) and Earth (FOE) had challenged the industry with their campaign which highlighted the case in which commercial banks were bankrolling Disaster in 2000 in U.S. Bank Tract is a network which formed by the NGOs to promote the sustainable finance in the commercial sector in 2002. This coalition up comes with 6 principles which assisting in the protection of environment and justice by the bank. This is known as Collevecchio Declaration (Bibhu Prasad Nayak, 2008). These 6 principles are no- harm, commitments to sustainability, responsible sustainable market and transparency, accountability and governance. There are more than 200 institutions that signed up the declaration and asked the banks to integrate with these commitments into their business operation. The declaration states that Finance and Commerce has been at the centre of a historic detachment between the worlds natural resource base, production and consumption. As we reach the boundaries of ec ological boundaries of the ecological limit upon which all commerce relies, the financial sector should take its share of responsibility for reversing the effects this detachment has produced. To guideline the project banking institution have been constraint into common set of social and environmental policy for sustain the green finance. In Oct 2002 the group of small banks along with IFC had come with the proper general guideline and later in July 2003 they came up with a policy is known as Equator Principle. And other big commercial were also adopting this set of principles in their structure. And in July 2006 equator principle has been revised and updated. The used of the revised set of principle, the project coverage has been lowered by 10 million from 50 million dollar. Now 16 countries with 46 financial institutions were managing their business in more than 100 countries and they all have adopted the equator principle. The adoption of this principle in the business operation has become common standard for the project which integrated with social and environmental issue in business. (Bibhu Nayak, 2008; p10) The NGOs has received the activities of equator bank in a worldwide and it being proclaimed, when they came to know that it not commit to the equator principle. Sustainable Banking Award has been initiated by the Financial Times along with IFC in 2006. There are 151 financial institutions in which 104 institutions has made through to the final list of award in 2007. The ratio of bank apply was more than the previous year, it was about 100 percent more. The international initiative of banks operations are voluntary in nature and the basic thing is to up come of the common good for the enhancement of the ecosystem. In competitive market there is a short coming of a voluntary commitment. As an increase of the green money in the market, lender will stimulant to delay the social commitment and the commercial interest which will programme in the short run. If the green money is voluntary than it will be precondition demand for the green bank. According to the government policy the bank which is responsible for the breach of law of their clients will have to help in promoting green banking. Green Banking In India From last two decade, the growth rate of Indian development is very high. And this is because of the industrial sector that plays a curial role in the development of the India. However, controlling the environmental challenge has been occurred in the way of Indian industry which makes impact in their business i.e. emission of pollution by their clients. Although government of India is trying to solve this problem by adopting the environmental policies and comforting the industries to adopt this environmental technology. Fortuitously, India is a second fastest growing nation in the world in producing green house gases. Indias three main metropolitan cities like Chennai, Delhi and Mumbai are the worlds most busy and polluted cities. In India major polluted industries are paper and pulp, zinc steel and copper metallurgical industries, refine, tanneries, sugar, pesticides and insecticides, textile, fertilizers etc. The environmental management have to be taken care by the financial institution and banks, who are investing in the industries project. This can be done by improving the level of efficiency, quality of products and services. In this case banks and financial institution play an important role because these institutions are major source of finance to the industries. In India there are broadly two main categories for the environmental policies and regulation which is liability, law control and command regulation. The control and command regulation are ex an-te regulation which are assigned to prevent from the environmental polluting businesses. With the help of this policy lending institution will set up a specific standard for the industries, so that they have to follow the regulation and project will examine closely by the ministry of environment and forest authority and its up to these authority whether they give the permission or not. The liability law is like based on the analysis of past performance (ex post). In this impose will be made by the authorities on the industries by closing down or imposing fine on them etc. Although there is no such law in India which impose any fine on the bank; which are providing financial help to those client whose are responsible for creating damages to the environment. Once the legal regulation comes in th e frame work then the environmental standard will raise in India. And the industries which are responsible for polluting the environment will either have to shut down or have to invest money in the development equipment to meet the standards. And at international market industries will lose their competitiveness, which will directly affect the bank sector and economy of India. Thus it is crucial for the bank to protect them from getting into non- performing assets in coming days. Analysisation of these facts make banks to accept the concept of Green Banking. The institutions which are not capable to control the pollution now may be future polluters. And one day, the legislation will taken a strict decision against the polluters who are responsible for damaging the environment and may have to shut down their units. For e.g. in Delhi and Agra, almost 150 SSI units had to be shut down because of not following the standard. Now banks and financial institutions are taking consideration about these perspectives, if the industries were not performing the environmental standard. According to the pollution control status there are 17 different categories of institution where they are equal number of institution which are shut down or defaulted. When there is a shut down or a default of a project, bank has to face financial losses it is because of increase of the li ability and bad asset. Year Total Acceding^ Defaulting^^ Shut down 2001* 1551 1350 24 177 2002* 1551 1351 22 178 2003* 1551 13356 52 189 2004 2155 1877 53 225 2005 2455 1909 168 265 2006 2678 2044 297 335 Note: ^Competent to agree with the Standards, ^^ Not able to agree Standards. Source: * Annual Report 2005-2006 LOk Sabha ; Govt. Of India, Ministry of Forest and Environment; (sourced from www.indiastat.com) Now-a-days, awareness is spreading among the public regarding environmental pollution. And people are taking strict action against those industri