Drinking Age Moved to 21 - Free Essay Example

The drinking age should be lowered to 18. How can the U.S allow 18 year olds to carry rifle or enlist in the military and not allow them to not buy a bottle of beer? Also having the drinking age up at 21 can promote dangerous illegal drinking at high school parties. When you are 18 you are legally an adult and should be able to expect to be able to do grown up things like drink, you can smoke cigarettes at 18 but not drink a beer. 18 year olds can just go to another country that allows drinking, because most other countries allow it at 18 years old or some countries even younger. Once people turn 18 it is a change in most aspects of life. They are permitted to vote for the future of the country. They are old enough to go into marriage which can change there life forever. They are allowed to go into the military when they are 18 and risk their lives in a war zone for our country, they can also smoke cigarettes which can have long term health effects on the body. We say that they are mature enough to do all of those things, yet they cannot sit down and drink a beer? It is simply illogical that they cant drink alcohol, either move the age down to 18 or bring everything else up to 21. When you make the age of drinking 21, there are plenty of kids that will drink underage. When there are high school parties, there will obviously be beer around. The truth is that Americas teenagers do not learn to drink responsibly because it is something they have to do in secret. They are not going to go to an adult for help or to help stop them from drinking too much, as they know it is illegal so they rely on their friends or whoever else is at a party. When kids get in drunk driving accidents, it is mostly because they dont want their parents or whoever to get mad at them. Instead of simply calling their mother or father, they go home with a drunk driver and possibly get into a lethal accident, because they do not want to be looked down on or get punished. The majority of countries around the globe allow the age to consume alcohol to be much lower than the U.S. The U.S is known as the land of the free, but we are one of the most restrictive countries in the world on alcohol. Any suggestions that the right for Americans to carry a gun might be restricted is brutally shot down, but in the case of alcohol, we are one of the countries with the strictest laws.The neighboring countries to the U.S both have drinking ages of 18/19. People could simply drive over to another country or move to another country and drink all the alcohol they want. Plus the death count per hundred thousand in Canada is 1.7 which is lower than the U.S and Canadas drinking age is 19 which means that having a higher drinking age does not make death rates go down. Although my stance is clearly to move the drinking age down, there are definitely some possible negative effects. One negative effect is that alcohol consumption can possibly interfere with development of the young adult brains frontal lobes, which is essential for functions such as emotional regulation, planning, and organization. Another negative effect would be that in the 30 years since a minimum age for drinking of 21 was introduced, drunk driving fatalities decreased by a third. Also traffic accidents went down as well. Again I believe that that drinking age should be lowered to 18. We allow 18 year olds to into military combat, smoke cigarettes but not to drink. Other countries allow people of 18 to drink and some of those countries had less alcohol related deaths per hundred thousand than the U.S showing that making the drinking age higher does not make deaths decrease. Also when you make it illegal to drink kids in their teenage years will want to drink still, and because it is illegal they might decide to get a ride home from a friend instead of a sober parent because they do not want to be punished.

A Program For Change The Exposure Of Peoples ...

Hollaback Initiative for change The Hollaback foundation uses the exposure of peoples’ experiences, stories and opinions about harassment Hollaback. (2015). You have the power to end harassment. Retrieved from http://toronto.ihollaback.org/our-history/. The main objective of this foundation is to spread awareness, as communication is a key resource for women (or witnesses) to converse about the issue of harassment that is taking place to many in a certain area. Victims around Toronto and the GTA share stories about harassment done to them or have witnessed. The point of providing a story is to take action upon violent events, instead of keeping quiet, believing that harassment is not a big issue, or thinking it’s too late to take action. The website provides new users with information about many ways to get involved, for instance, to be a â€Å"direct green dot† one must face the harasser physically or try to stop them in action where â€Å"delegate green dotsâ €  are for witnesses of offense, they handle the situation by calling out the offender Hollaback. (2015). You have the power to end harassment. Retrieved from http://toronto.ihollaback.org/our-history/. Hollaback shares information everyone can benefit from, including men. The most efficient uses on the site are map feature as it directly raises caution in a certain area, also the â€Å"dot† method, which essentially organizes victims in a category. I appreciated the news feed on the website; it provided information from twitter, andShow MoreRelatedWhat Companies Should Do For Address Or Prevent Discrimination Concerns?1606 Words   |  7 Pagesyour rights. o Report discrimination. Below is a quick flowchart that we created to show how the program should be set-up. Figure 5- Implementation of policies and trainings 5. Case Studies Equal Opportunity - Case Study#1: (Gender Inequality in the Oil Fields.) Source: One of team member s personal experiences (for privacy reasons we have changed the individual s name) This case study is about a female engineer s struggles in the male dominated oil industry. She has suffered from major stressRead MoreEssay about Equal Gender Representation in The Gaming Franchise2431 Words   |  10 Pagesmentality which strongly suggest that old saying boys-only. In this paper, I will examine current research relevant to the video game industry and its representation of the female gender, provide personal accounts of sexual harassment within the video game industry and offer my opinions of what could be done to begin the steps in an extraordinarily difficult journey. The Industry Since their beginnings, by both female and male gamers have enjoyed video games. They are so beloved by their followers thatRead MoreMarketing Strategies For Uber s Marketing Strategy1786 Words   |  8 Pagesobjective for Uber’s marketing strategy is to attract as many new users to sign-up with Uber as possible. These targeted new users are the people who have smartphones and are familiar with functions. This brings the targeted segment to the Millennials – people who were born between early 1980s and early 2000s. This generation of people is tech-savvy, valuing experience, likes sharing, and constantly seeking interesting stuff in their life. Word-of-mouth Marketing In general, Uber’s marketing strategiesRead MoreHigh Suicide Rates And Its Effects On The Youth3323 Words   |  14 Pagesof around 33.3 per 100,000 people† according to the Organization for Economic Co-operation and Development (OECD) as patients with depression and stress overload increases (â€Å"Korea’s Increase in Suicides†). The importance of success which relates back to Korea’s culture, as well as how this immense pressure can lead to depression and further lead to thoughts of suicide. The methodology of this research will employ a review of primary as wells as secondary sources about the culture of Korea, depressionRead MoreThe Importance Of Sexual Traditions And Values : The Expects Of The Class?3347 Words   |  14 Pagesbarriers created from non-traditional sexual orientation. Even these laws are met with resistance through certain traditional government forces. Several factors on equality and statutes play into the culture as people decide what is to be accepted into society. Students will not be asked to change their views on sexual preference, however, this class will show the barriers that those with sexual preferences that differ from the South’s norm faced through history. 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Therefore, the social and personal problems experienced by individuals and families are also reflective of shifts or changes occurring within sociocultural and institutional ideologies. Since no one definition of the family encompasses the diversity of all family forms existing in western culture, it is more significant for the purpose of this discussion to consider theRead MoreIn-Depth Study of Post Traumatic Stress Disorder2493 Words   |  10 PagesPTSD occurs only in response to an actual death, which means that even conditions only perceived to be life threatening can result in PTSD. Examples of such perception may include, harassment, bullying or distressing drug therapies. Theories explaining PTSD Sigmund Freud There are two theories that differ in opinion in their understanding of what constitutes a traumatic event in life. 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Problem Statement Has the exposure of sexual assault high profile cases involving positions of power who have received a lesser conviction than the military members not in a position of power show the difference that they are not held to the same standard as lower ranking positions

The story begins as a sixth-grade girl, Miranda and her...

The story begins as a sixth-grade girl, Miranda and her mother are preparing for an appearance on the fame show $20,000 Pyramid. Stead describes the novel in which Miranda is writing a letter to an unnamed â€Å"you†. â€Å"You† has sent her letters which describe about the game show and is able to predict Miranda’s future. However, â€Å"You† is still a mystery to Miranda and us. Miranda spends her days in New York City with her mom. A Germany lawyer named Richard is her mom’s boyfriend who regularly visits Miranda and her mom at their apartment. Seeing that Miranda is keen on carrying the copy of a novel entitled â€Å"A Wrinkle in Time†, Miranda is fond of reading that novel. Belle’s market is a place where Miranda usually waits for her mom when she†¦show more content†¦Miranda is terrified and yells down the block but it seems to be pointless because the kid does not look back. Miranda almost cries, nevertheless she knows that she has to send Sal back home. From this point, Miranda feels miserable as her friendship with Sal has ended. Sal not only does not want to go home but also does not want to talk to Miranda anymore. For the sake of her friendship, Miranda attempts to approach Sal although it appears to be pointless. Realizing the fact that her friendship with Sal seems to be fallen apart, Miranda starts to spread out her social circle. Miranda expands her friendship by attempting to know more about Annemarie, who has conflict with her ex-best friend, Julia. Julia is known as a wealthy fortunate girl whom Miranda dislikes so much. As Miranda and Annemarie experience downturn with own former best friends, they intentionally make friends. Moreover, both of them start to expand their friendship with Colin, a cute skater boy. Three of them have a marvelous experience at a sandwich shop called Jimmy’s, a place where they work during lunch time. At school, Miranda unexpectedly meets the kid who punches Sal while she asks to be an office monitor whose job is to call for students to bring them to the school dentist. That day has made Miranda and Marcus get to know each other. In fact, noticing that Marcus is highly interested with time, Miranda feels very happy, and enjoys their relationship. Miranda finds out thatShow MoreRelatedLogical Reasoning189930 Words   |  760 Pagesexplains what it means to be logical—to reason logically. It demonstrates the usefulness of logical reasoning as a means to making more effective decisions about your own life—decisions about what to believe and decisions about what to do. The chapter begins a systematic program of study of all the major topics regarding logical reasoning. Along the way, the book focuses on developing the following five skills: (1) writing logically, (2) detecting inconsistency and lack of clarity in a group of sentencesRead MoreConsumer Lifestyle in Singapore35714 Words   |  143 Pages  rate.        © Euromonitor International CONSUMER LIFESTYLES IN SINGAPORE Passport 4 LEARNING School Life Singapore enjoys a good reputation in Asia for the high quality of its education system. It is a bilingual education system (English and mother tongue); it uses project-based learning, and abundant internship and overseas exchange opportunities exist at tertiary level. Singaporean students are known for their strong performance in international competitions, such as the Maths Olympiad and

Pepsi in Burma - 1403 Words

Pepsi in Burma Question 1 Identify the moral issues that are raised by Pepsi’s presence in Burma. A moral issue can be defined as any issue concerning how one ought to behave, how others ought to behave, or whether a situation is proper or improper. Morality is judged based on what is right or wrong. Pepsi’s presence in Burma raised several ethical and moral concerns due government operations under the military regime. In the 1990’s Burma was undergoing social, economic and political crisis under the military rule of the State Law Order Restoration Council (SLORC). During this time the state economy became open and provided opportunities that Pepsi, among other companies, could exploit. These opportunities involved low labour†¦show more content†¦These are moral rights that every individual should be afforded and if there is such a country, institution or otherwise that does not allow this, it is suggested that, in the case of Burma, no company should invest in such a country. Question 3 Business decisions are about what is profitable; the business organization’s decision to invest should not be guided by the social climate in the country. Discuss According to the Business Dictionary, profitability is defined as the state or condition of yielding a financial profit or gain and it is agreed upon that every company’s goal is to be earning consistently. Being of the view that profitability of the business comes first supports the view of Friedman that states that, â€Å"the social responsibility of a business is to increase its profits.† However, if a business focuses on the economical aspect of its operations it may over look other important aspects such as ethics and law and should therefore take into consideration the social climate in which it will be conducting business. Therefore, the theory put forth by the theorist Freeman should be considered. It highlights that any individual or group that can impact or be impacted by the actions of the fi rm should be considered in its operations. In order for the business to be fully socially responsible it must take intoShow MoreRelatedPepsi Co Essay930 Words   |  4 PagesIndustrial Corporation (PAIC) and Voltas India Limited. This joint venture marketed and sold Lehar Pepsi until 1991 when the use of foreign brands was allowed; PepsiCo bought out its partners and ended the joint venture in 1994. [1] Others claim that firstly Pepsi was banned from import in India, in 1970, for having refused to release the list of its ingredients and in 1993, the ban was lifted, with Pepsi arriving on the market shortly afterwards. These controversies are a reminder of Indias sometimesRead MoreCase Study Analysis Essay884 Words   |  4 PagesA Case study On PepsiCo Burma connection Executive summary: The case mentions about how PepsiCo had to withdraw all its assets from Burma despite the fact that they were doing very well in this country. In July 1988, decline in economic conditions led to large-scale and bloody rioting in cities in Burma. In Sept 1988, the army under General U.Saw Maung replaced the Government with the State Law and Order Restoration Council (SLORC), a group of military officers. In 1990, SLORC proposedRead MoreDescribe the Ethical Issues a Business Needs to Consider in Its Operational Activities.807 Words   |  4 Pagesbecause it an internationally recognized company that generated billions of pounds a year in revenue. Their headquarters is currently stationed in New York, the beverage drink product, Pepsi is originally developed in North Carolina in 1898 by a young business man and then sold to PepsiCo to 1961 where it was renamed Pepsi. Mission Statement: Our mission is to be the worlds premier consumer Products Company focused on convenient foods and beverages. We seek to produce financial rewards to investorsRead MorePepsico Case8696 Words   |  35 PagesResponsible Culture COMPANY OVERVIEW PepsiCo is one of the largest food and beverage companies in the world. It manufactures and sells eighteen brands of beverages and snack foods and generates over $98 billion in retail sales. PepsiCo encompasses the Pepsi Cola, Frito-Lay, Tropicana, Quaker, and Gatorade brands and offers products in over 200 countries. It currently holds 36 percent of the total snack food market share in the U.S. and 25 percent of the market share of the refreshment beverage industryRead MoreCase Study Pepsi9679 Words   |  39 Pages11 CASE STUDY PEPSI GROUPE ASSINGMENT INTRODUCTION Pepsico, inc.is one of the most successful consumer products companies in the world. Its operates from Australia. Pepsi-cola company, the second largest soft drink business and Tropicana products. The main products of the company comprises of different soft drinks brand includes pepsi,pepsi light ,pepsi max,7up,mountain dew,etc..The company consists of: Frito-Lay Company, the largestRead MoreCase Study of Pepsi5567 Words   |  23 PagesPepsiCo, Inc. is one of the most successful consumer products companies in the world, with 2000 revenues of over $20 billion and 125,000 employees. The company consists of: Frito-Lay Company, the largest manufacturer and distributor of snack chips; Pepsi-Cola Company, the second largest soft drink business and Tropicana Products, the largest marketer and producer of branded juice. PepsiCo brands are among the best known and most respected in the world and are available in about 19 0 countries and territoriesRead MoreCoca-Cola Background5672 Words   |  23 Pagesswitching to Pepsi. Within six weeks, the eight hundred number was being jammed by six thousand calls a day. The company also fielded over forty thousand letters, which were all answered and each person got a coupon for the new Coke. Many American consumers of Coca-Cola asked if they would have the final say. When Pepsi heard that the Coca-Cola company was changing its secret formula they said that it was a decision that Pepsi tastes better. Roger Enrico, the president and CEO of Pepsi-Cola wrote aRead MoreOld Town White Coffee Marketing Strategics3465 Words   |  14 Pages5411  Click for Address and Reviews My Dinner @ OldTown My Lum Mee Set RM8.90 My Curry Mee Set RM9.90 My BBQ Chicken Rice Set RM10.90 My Sweet amp; Sour Chicken Rice Set RM11.90 My Chicken Chop Set RM12.90 *Add RM1 to change drink *Pepsi can be change to 7UP, 7UP Revive, Mirinda Strawberry, Kopi O or Black Tea (Hot/Cold) at no Charge. Exclusive OldTown Year-End Pack Get your exclusive OldTown  Year-end pack for only RM13.90. The pack includes a  2010 diary, a table calendar andRead MoreBrand Building Blocks96400 Words   |  386 Pagescame from Coke alone whereas sales today also receive significant contributions from Diet Coke, Cherry Coke, and uncaffeinated forms of Coke. Without the introduction of those extensions, however, some of Coke s sales might have gone to competing Pepsi products or other soft drinks or beverages instead. Can Succeed but Diminish Identification with Any One Category One risk of linking multiple products to a single brand is that the brand may not be strongly identified with any one product. ThusRead MoreAn Introduction to Intercultural Communication29172 Words   |  117 Pagessome comical cross cultural blunders: * Kellogg had to rename its Bran Buds cereal in Sweden when it discovered that the name roughly translated to burned farmer. * When Pepsico advertised Pepsi in Taiwan with the ad Come Alive With Pepsi they had no idea that it would be translated into Chinese as Pepsi brings your ancestors back from the dead. * American medical containers were distributed in Great Britain and caused quite a stir. The instructions to Take off top and push in bottom, innocuous

Graduate Level Writing Analysis And Development Plan

Graduate-Level Writing Analysis and Development Plan Communication in writing skills for the past six weeks were standards information on different sorts of sources for rapidly flowing needs of today’s writers. This form of writing shows the role of strategies in writing on subjects. It demonstrated contracts between oral communication and written communication. The main ideas in this course discovery, objectives, critical thinking, and tension, valuing course resources time management, and cooperating with others (Giordano 2012). However, the skills for effective writing produce volumes of master’s level for the required resources in this way. Week One, Week Two, Week Four, and Fifth week Individual Assignments. The strengths I have is formulating an outline and word count, and using the APA styles in composition. The organizational style of the introduction and conclusion were good with no deductions, which meets count requirements that meets academic audience. It seems to organize and mostly likely to see. The paper provided words within a text and lead to greater understanding and enjoyment of the reader. Yet, using more references would have fortified the credibility of my personal beliefs that had points deducted. While the characteristics of graduate writing are clearly discussed, there are not specific other forms of writing listed for comparison, weakening, the requirement details. According to Aas, the elements and plagiarism sectionsShow MoreRelatedAdmissions Essay for Postgraduate Study at The University of Durham584 Words   |  3 PagesI am an international student from China who is going to graduate fr om Birmingham City University with a degree in Computing Business E-Systems and Technology. This is a personal statement on applying for the postgraduate study at the University of Durham. 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I have uniquely tailored my coursework to meet my needs, specialize in my areas of interests, and prepare me to be successful scholar capable of working with diverse communities. My expansive approach to LIS education reflects the interdisciplinary nature of our field. As one example, I concurrently completed two experimental learning opportunities that infused critical theories into my reading, writing, dialectic exchanges, and practice:Read MoreProfile. Experienced, Multi-Faceted Professional With Demonstrated1152 Words   |  5 PagesPROFILE Experienced, multi-faceted professional with demonstrated expertise in program oversight, including healthcare, strategic planning, regulatory compliance, policy development, contracting, and procurement. Highly analytical with a keen eye for details; skilled at synthesizing and editing information to achieve overall objectives. Highly adaptable at learning and understanding new technology, processes, and procedures. Ability to cultivate positive relationships with clients and colleagues;Read MoreThe Duty of Nuclear Engineers Essay1311 Words   |  6 PagesPart A Brief Description Nuclear engineers play a huge role in the research and development of methods to make use of nuclear energy for medical, military defence and energy fuel. Another main duty of nuclear engineers is in the handling and disposal of nuclear waste, which means there may be exposure to nuclear chemicals. As well as, an engineer in the nuclear industry, you would be responsible for the safe and productive running of nuclear power stations. In addition the skills you need to becomeRead MoreDescribe the Three Management Skills as Mentioned by Robert Katz678 Words   |  3 Pagesto the interacting of the manager with others in the way to enhance the successful of completion of the task. 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Organizations And Its Cultural Differences Free Essays

The procedure of specifying organisational civilization goes by the fact that the definition in itself is obscure. Harmonizing to Schein, â€Å"culture is what a group learns over a period of clip as that group solves its jobs of endurance in an external environment and its jobs of internal integration† ( Schein, 1990: p111 ) . All these develop over a period of clip and go a portion of organisational civilization and they are turned into implicit in premise of what should and should non be done. We will write a custom essay sample on Organizations And Its Cultural Differences or any similar topic only for you Order Now Schein farther adds that these implicit in premises are the cardinal to understand organisation civilization and their manifestations which he calls as artefacts and values. Artifacts are referred to as seeable points such as organisation layouts and values are organisation specific beliefs such as ways to manage jobs ( Schein, 1990 ) . On the graduated table of cultural values expressed by Hofstede, UK scores high on individuality, low on power distance and uncertainness turning away, which means British employees are based on single features, do non prefer hierarchal organisation construction and do non indispensable demand organized attack and ordinances ( Hofstede, 1993 ) . In UK organisations openly display of emotions and showing positive or negative attitudes are really rare scene and therefore are sooner avoided. During meetings, British co-workers will near concern with an air of formality and withdrawal. This sort of work force attitudes can be reflected with Schein ‘s three degrees of organisational civilization under â€Å"values† of how people think and feel under different fortunes ( Schein, 1996 ) . It is more individualistic attitudes and loose bonds between employees that make them more self oriented instead than working under groups, thereby constructing close relationships ( Jodie 200 7 ) . Successes in these organisations are measured by personal accomplishments than group activities taking to less group motive and togetherness in accomplishing a common organisational end. On the 2nd dimension of Hosftede which is power distance, UK organisations tend to be comparatively low compared to the universe norm of 56. One of the grounds that can be argued for low power distance is the equality between the societal degree in these organisations between directors and their subsidiaries, as there is a less stiff system in topographic point for turn toing higher-ups. The orientation factor inside the organisations helps to maintain a strong concerted engagement within the power degrees and this enables to make a more stable environment between the employer and the employee. This involves the implicit in premises that determine perceptual experiences, thought and procedure of different persons and their feelings ( Schein, 2004 ) . For illustration if we take an English company, characterized by a low power distance, we will happen that subordinates interact with their higher-ups to propose alternate solutions of a job or a determination ( Meier, 2004 ) . Relations hips between higher-ups and subsidiaries are frequent and they are considered like a manner of bettering the public presentations of the group. On the reverse in an Indian organisation which is characterized by high power distance, people are strongly linked with the thought of esteeming the hierarchal authorization and the obeisance of the higher-ups is considered the best manner of accomplishing the ends of the company. Here, relationships between directors and their work force are strongly affected, peculiarly with respect to the acknowledgment of the power. In this manner high power distance persons need a forceful director that tell them what to make, on the contrary, low power distance persons prefer a laxer director and they do non ever accept his thoughts or determinations. It will be a challenge of these organisations to unearth them as it would enable in constructing a better apprehension with the work force which would ensue in turn toing newer challenges faced in this dy namic concern environment. On the 3rd dimension of Hofstede which is uncertainness turning away, UK is on the lower terminal compared to the universe ‘s norm of 65. It is deserving stating that Countries with weak uncertainness turning away like UK are comparatively unafraid, less dependent and do n’t experience endangered by the positions of others. There will be small differing of idea procedure within the administration and working together in complex undertakings would be much easier. For illustration if we consider Gallic directors that are characterized by high uncertainness avoidance we can see that they take a long clip to do a determination. They analyse all facets of the determination and seek to measure their determinations logically. So they tend to believe more before playing and sometimes if the hazard is excessively high they could even decline to move whereas a British opposite number, low on uncertainness turning away, would be more matter-of-fact. They accept the hazard of doing errors and ever prefer to move immediately alternatively of believing long ( Meier, 2004 ) . In this sense, besides subordinates with a civilization of low uncertainness turning away are more willing for rapid alterations than those with a civilization of high uncertainness turning away. In this instance, the challenges of directors is to understand which is the better scheme to follow in conformity with accomplishing the company ends and be able to alter, as needed, their behavior and that of their work force, demoing a good capacity of adaptability and flexibleness. The above treatment has shown that many jobs are likely to look in a workplace where different civilizations, behaviors, attitudes, values and beliefs meet. Directors of transnational companies should possess sound cognition, direction accomplishments, personal traits, features and motive to pull off a multicultural work force. The best manner to get the better of these troubles and struggles is to educate the directors about cultural differences in order to do the workers cognizant of the diversenesss and do them cognize how to be more unfastened and tolerant towards each other. Finally, as the growing of transnational companies has been steady there is surely an huge demand of understanding of in-depth cultural issues for guaranting harmonious and productive work-culture in every administration. Mentions Hofstede, G. ( 1993 ) , ‘Cultural Constraints in Management Theories ‘ , Academy of Management Executive 7, p81-94. Jodie R. Gorrill ( 2007 ) , Intercultural Communication, transverse cultural Training communicating Group, www.communicaid.com/cross-cultural-training/culture-for-business-and-management/doing-business-in/British-business-and-social-culture.php # [ Accessed: 3rd April 2010 ] . Meier O. ( 2004 ) , Management Interculturel, Paris, Dunod. Schein, E. ( 1990 ) , ‘Organizational Culture ‘ , American Psychologist, 45 ( 2 ) , p109-119. Schein, E. ( 1996 ) , Culture: the losing construct in organisation surveies, Administrative Science Quarterly 41, p229 – 240. Schein, E. ( 2004 ) , Organizational civilization and leading, 3rd erectile dysfunction, San Francisco: Jossey – Bass. How to cite Organizations And Its Cultural Differences, Essay examples

Innovators - Rogues - and Strategists Rebooting Banking

Question: Discuss about the Innovators, Rogues, and Strategists Rebooting Banking. Answer: Introduction: This category of banking is also known as consumer banking. Retail banks provide financial services to individual persons only with companies, corporations and other organizations not being part of their clients. Some of the services offered by retail banks include; issuance of personal loans, issuing debit and credit cards, taking customers money as savings, and offering mortgages to its clients( Berger, 2014). There are also three sub-categories of retail banks; Private Banks-these are types of banks that offer financial services to specific customers. These specific customers are mostly the wealthy individuals in the society who decide to come together and form a bank. Not every person can be allowed to bank in these types of banks. Offshore banks-these banks are located outside the country which its customers are citizens. These banks are mostly opened in countries or areas where the tax system is favorable or where there are tax havens. The advantages of these types of banking to customers are that there is a lot of privacy, little regulations as well as low taxes. Postal banks- this banks are usually formed by postal corporation of a particular country in order to back up its postal business. It offers customers who use postal services convenience since they can access financial services at the same place. The size of retail banks ranges from banks to banks. The table below shows the list of top four retail banks in US in terms of assets. Table 1.2: table showing the largest retail banks in US depending on value of assets(June 2015) (JD power retail banking study, 2015) Bank name Assets ($billions) JPMORGAN CHASE 2,577 Bank Of America 2,144 Citigroup inc 1,832 Wells Fargo co 1,738 The common emerging trend in retail banking is the increased use of internet banking and tailor made products aimed at achieving customer satisfaction. There is also increased use of technology in retail banking. Central banking This is the type of bank charged with the responsibility of putting regulations in the financial services industry. Central banks are also expected to oversees and supervise the activities of other banks. Central banks of different countries have different mandates depending on the legislation of that particular country (Cull, Kunt, Morduch, 2013). The following are some of the basic roles of any central bank; Regulation of countries` interest rates by controlling the amount of money in the economy. This is done through implementation of monetary or fiscal policies. It acts as a lender of last resort for commercial banks Central banks act as the governments` banks. This means that money collected by the government from its citizens and other sources are deposited in the central bank. Some examples of companies participating in central banking include: Bank of England, the US Federal Reserve Bank, Bank of Japan, European Central Bank, Bank of Canada and the Reserve Bank of Australia. The size of central banks of various countries in US$ varies from country to country. The size will depend on the size of the economy of that country e.g. the balance sheet balance was 4473860USD million as at February 2015. An increased reserve requirement by central bank is a trend seen in central banks all over the world. Commercial banks Commercial banking is also referred to as wholesale banking. Commercial banks are a type of banks that provide banking services to businesses ranging from small to medium businesses. Commercial banks also include corporate banking which offers banking services to large business corporations. The major function of commercial banks is provision of loans to businesses and companies which helps the in expanding in order to increase profitability (Bessis, 2014). Other functions of commercial banks are: They accept money deposits from customers Offering financial advice to clients They help in making payment transactions between companies as well as offering internet banking services which helps clients to access their account information. Commercial banks also offer some retail banking services The commercial banks exist to help businesses in expansion through providing them with small, medium and large amounts of loans and other credit facilities. Although commercial banks provide retail banking services, their major focus is on business organizations. The emerging trend in commercial banking is the provision of credit facilities through the mobile phone as well as internet banking. Examples of companies participating in commercial banking are; bank of Montreal, B2B bank, JPMorgan Chase bank, Wells Fargo Bank and Citibank Table 1.1: The four largest commercial banks in U.S ranked by consolidated assets (as at 30th June 2016) (Federal reserve statistics, 2016) Bank name Bank id Consolidated assets(millions $) Domestic assets(millions $) JP MORGAN CHASE 852218 2,051,004 1,542,630 WELLS FARGO BANK 451965 1,699,435 1,645,291 BANK OF AMER NA 480228 1,657,878 1,551,334 CITIBANK NA 476810 1,365,660 824,668 Investment banking These are banks that are involved in the share trading business. Investment banks are usually private companies which are involved in trading securities in financial markets. They act on behalf of clients in the issuance of shares. Investment banks do not take deposits or give out loans like other banks do (King, 2014). The following are the roles played by investment banks: trading of shares on behalf of a client, they participate in initial public offer of companies by offering underwriting services, they offer advice to investors on best investment opportunities, and they manage assets on behalf of a client and facilitating mergers and acquisitions. Examples of investment banks are; Miller Buckfire co, Morgan Keegan Co and WR Hambrecht Co. Trends in investment banking include changes in risk processes which call for the banks to adopt strategies that will adapt to the regulations. There is also increased demand for investment banks customer focused which have products tailor made for specific customers. The size of investment banks is not as large compared to other banks. References Cull, R. J., Demirgu?c?-Kunt, A., Morduch, J. (2013). Banking the world: Empirical foundations of financial inclusion. Cambridge, Mass: MIT Press. Bessis, J. (2014). Risk management in banking. Hoboken, N.J: Wiley. King, B. (2014). Breaking Banks: The Innovators, Rogues, and Strategists Rebooting Banking. Hoboken: Wiley. Berger, A. N. (2014). The Oxford handbook of banking. Oxford [u.a.: Oxford Univ. Press. Somashekar, N. T. (2009). Banking. New Delhi: New Age International (P) Ltd. McMillan, J. (2015). End of Banking: Money, Credit, And the Digital Revolution. BookBaby.

Eoct Em2 free essay sample

Admin AEL-list tools repair locker APL-equipment fixed to the hull/vessel Mica: * (management information configuration allowances) tailored to a specific individual unit or unit class * Parts of mica: 1. Section a- equipment nomenclature sequence- list of apl/ael-sorted by equipment 2. Section b- hsc description sequence- list of apl/ael-sorted by structure coed 3. Section c- hsc code sequence- list of apl/ael-sorted by HSC 4. Section d-apl/ael number sequence- list of apl/ael-sorted by apl/ael number FED log: * Made up in two files . Interactive query coast guard only uses this one used as information resource 2. Batch file * Wild card is the ability to search characters or numbers * Data view bar provides quick links to different screens in fed log * Icon (magnifingglass)Characteristics data response- provides description information * Icon (man) Management Data response- provides the service/agency CMPLUS: * Supports unit supply mission * Take material from inventory you must do an initial request * Inventory * Initial requests * Initial requests * Orders Receipts * Suppliers allowances * Group inventory OPFAC- identifies each Coast Guard unit Surflog: * Fill out a surlog: 1. Department coed 2. Opfac 3. Cog code 4. Stock number 5. Unit of issue 6. Nomenclature andsupplier 7. Quanitity needed 8. Cost * federal supply system * keep track of how much money you have expended * identify what is ordered and what has been recived * if you are copying information from old surg log confirm info in fedlog. Procurement request- form dot f 4200. 1. 2 cg- commercial suppliers MPC- PMS detail instruction card E. A-M-3356(A=auxiliary M=monthly 3356=identification number) M-main propulsion machinery A-auxiliary E-electrical R-damage control NEM- m9000. 6 ELC website -submit a change Engineering dept shall maintain single tag-out log Tag out- comdtinst 9077. 1 * Check and audits once every two weeks by cognizant dept * Tag numbers shall start over OCT 1 * Size of the vessel determines the number of tag-out logs required * Replacing a missing tag- next sequential number on tag out sheet * Check correctly installed visual compare- tag out record sheet and tag audit Recomm end change in PMS procedures must: In written form * Given to the PSM coordinator FPD( financial and procurement) provides acquisitions and accounting First quarter- is oct-dec Take material from inventory you must do an initial request TACHOMETER Tachometer- is an instrument that generates, transmits, and indicates info that is converted into a measurement of rotation speed Verify reading against info found on nameplate data 4 types of Tachometer: 1. Chronometric Tachometer, accessible shaft, press and release start button, displays after 5sec 2. Centrifugal tachometer, continuous reading of rpm’s on accessible shaft 3. Resonant tachometer, vibrating, when shaft is not accessible 4. Photo-electric tachometer, battery operated, non-contact(place reflective tape on shaft Calibration done- 12 to 18 months, sticker has last calibration and due date Frequency = number of cycles in a given time F (Hertz) = number of poles X rpm/120 Rpm=120 X f/ no of poles Transducers Pressures Transducers- convert pressure into an electrical output signal that is proportionate to the input pressure. Always obtain permission prior to troubleshooting, isolate from the pressurized system Replace with same type or a higher grade King nutronics- 2250 psi Uses 4-20ma so it travel longer distances Don’t zero and span to compensate reading Easily manipulated Prone to interference Troubleshooting- verify transducer is the problem Resistance Temp Detector RTD (resistance temp detector) temp sensor whose electrical resistance changes linearly with change in temp RTD is connected to wheatherstone bridge Two elements with separate temp gauge 1. Nickel: -40 to 1000 degree for all configurations 2. Platinum: -40 to 1000 degree for thermowell, bare bulb and embedded configuration Two wire sensing element: red and white * needs compensation circuit Three wire sensing elements: 2whites and red* no need compensation Three types of RTD configurations: 1. 5sec. embedded( oil film temp in machinery bearing) 2. 8sec. Thermowell ( high pressure) 3. 15sec. Bare Bulb directly immersed in high pressure gas Thermocouple Thermocouple is device to measure temp as temp changes a electrical potential in MV is generated Used in pyrometer Air temp change in a cold junction will cause erroneous reading Cleaning: approved solvent, checking loose or dirty connection, calibrations UAW tech manual by manufactures Two dissimilar metals that is referred as HOT JUNCTION(thermocouple sensor) Two dissimilar metals become similar is Cold junction (reference junction) Two type of therocouples 1. Type K, chromel(+yellow) Alumel (-Red) 2. Type J, Iron (+white) constantan (-Red) Synchro Two types of damping methods: 1. Electrical 2. Mechanical Highest value of effective voltage induced in one stator coil is 52v Rapid and accurate transmission Electromagnetic induction Two general classifications: 1. Troque -moves light loads like dials 2. Control -heavy loads gun directors Two common synchro rotors or windings: 1. Salient pole rotor 2. Drum or wound rotor Synchro resembles small electrical motor operates like a variable transformer NEVER connect 400hz synchro to 60hz voltage Operating voltage and frequency is mark on name plate Military standard and navy prestandard synchros- 115 vac or 26vac Load dictates the type of synchro and system By reversing s1 and s3 both synchro motors turn the same amount, in opposite directions Change S2 causes 120 degree error – it reverses the direction Oscillation and spinning of the pointer: 1. Stator winding are shorted 2. Defective damper Reversal R1 and R2 180 degree error – rotation remains the same Damping circuit prevents gear train oscillations or spinning Common zeroing methods: 1. AC Voltmeter method( most accurate) 2. Electrical-lock( fastest) Rotor gets voltage by primary winding â€Å"excitation† Stator gets voltage from the Rotor by magnetic coupling GYRO Heading, roll and pitch Transmits info to weapons control, sonar radar, depth control, dead reckoning Gyrocompass has two basic properties: 1. Rigidity in space(rigid, no force) 2. Precession(right angle, applied force) MK27: 1. Consists of master compass, electronic control unit and power converter 2. Seeks true north 3. ECU-operating control-servo Amplifier-alarm Circuitry-power supply-latitude control circuitry 4. S-1 switches- Slew, Start, Run- manual or auto 5. E- core pickoff- generates signal from proportional to gyro from null 6. J3 test points- master compass 7. Full wave bridge rectifier –rectifies AC to DC 8. Choke input filter-creates smooth DC voltage Anemomter Wind direction(HD) and speed(HE) indicator relative to ships heading and speed Wind speed indicator- visual indication of wind speed and direction(single phase 115vac) Voltmeter is used with anemometer Wind speed indicator(HE) transmits signal voltmeter(magneto) Capacitor prevents RF interference or reduces stator currents Set emits RF interference: defective capacitor at rear, replace for magneto Remove 2300 ohm resistor from both sides when using to indicators Salinity Fresh water contaminated excess of 0. 25 grains of sea salt per gallon alarm will go off (audiovisual) After the solenoid is de-energized it must be manually reset Dumper valve solenoid de-energized when impurities reach alarm proportions diverting water overboard Cell test resistor- small portable unit with contact fingers System test cell inspection- monthly Inspection- bi-monthly Thermistor- temp sensitive resistor which limits current flow across the gap between the plates Salinity Module test/installation- 23 vac across tp1- tp2 gaps shorted cell/wiring ciruit VLA) Visual Landing Aids Helo deckarea marker- Lighting-Approach aids Wave off lights- cue to pilot landing is unacceptable Wave-off light will not extinguish when wave-off switch is secured command is being sent from remote panel Homing beacon -white lamp-main mast-flashes 90x per min Lamp circuit- wired: step down transformer(115/32 volts) to variable dimming circuit Line-up- lights-20 lights-white and flash in sequenc e- uni or bi-directional VLA power requirements lighting system 120v/60hz WIPER Window wipers- DC voltage, taking 115vac single-phase using full-wave bridge rectifier Oil to external oil cup lubs the brushes Replace every 3000 hours or two times a year Life span is one year Drive mechanism- converts the rotation of the motor to go back and forth Pendulum window wiper-wiper switch to park (to place wiper out of view) Steering To determine rudder rate a HARD-OVER- TO HARD –OVER command is given while ship is moving in max speed. Overtravel-is a steering position on rudder beyond the order angle and remains at that position Overshoot- few degrees beyond the older angle but returns to the order angle Three modes of operation of steering system: 1. Follow up 2. Auto pilot 3. Non follow up Four components: 1. Hydraulic system-hydraulic power units and rudder actuators 2. Emergency equipment 3. Rudder position feedback system 4. Steering controls Control circuit- generates an electrical signal to move the rudder Hydroulic power unit(HPU) ports hydraulic fluid to the actuator Actuator turns hydraulic power into mechanical motion Steering force of water acting on the rudder Solenoid valve- controls hydraulic fluid to the actuators- to move rudder Uses hydraulics to control rudder because of the high torque –to-weight ratio Maximum error allowed on rudder angle is + or -2 Battery Normal temp-80f degrees Initial: a low-rate charge given to a new battery Normal: Routine charge IAW nameplate data Emergency: a fast or boost charge Equalizing: extended normal charge given at a specific gravity Floating: voltage maintained within the limits of 2. 13 to 2. 17 volts per cell Polarization index test Determines condition of windings through a chart Brushes * Never mix brushes-rapid brushes wear could happen when mismatched * Replace if worn 1/8 inch Seat brushes in brush holder with 80grit sandpaper * Brush holders are the same distance from the commucator- no more then 1/8 no less than 1/16 unless said by manufacturer Air Gaps * distance thousands of inch between stator and rotor * measured with machinist tapered feeler gauge * reading within 10% Bearings * never use a naked flame to heat a shaft bearing or housing * two methods to remove bearings 1. arbor press 2. puller method * three method to install bearing 1. arbor press 2. puller method 3. hammer with an appropriately size tube lubricated and sealed at the factory * antifriction bearings 1. radial 2. angular contact 3. thrust * heated in oven, furnace, or oil- at 203+/- 10degrees to expand the inner ring for assembly * hot alignment- operating temp * cold alignment-room temp * Alignment check are required under the following conditions a. Upon installation b. Base or foundation is repaired c. Any action done to bearings or motor d. When specified by PMS * Preferred pump shaft alignment is the indicator reverse method * Dial indicator shows . 04 or more movement and soft foot exists * Soft foot condition has not improved after two corrections a bent foot exist * Four approved alignment methods 1. Rim and face 2. Indicator reverse 3. Close-couple pump 4. Straight edge/ feeler gauge POWER Breakers: * AQB breaker for generator switchboards * ACB (air ci rcuit breakers) commonly installed in cutter switchboards * NLB have no automatic tripping device, it uses on/off switch * NQB have no automatic tripping device, it uses circuit isolation and manual transfer applications. Selective tripping of breakers is normally accomplished with a short time-delay feature * No authorized changes should be made to trip settings on a breaker * Purpose of switchboard circuit breakers are: 1. Circuit protection 2. Circuit isolation 3. The normal switching operation of an electrical circuit For silver or silver alloys contacts maintenance: 1. Fine file or sandpaper NO. 00 fine sandpaper is used to clean For copper contacts 2. Never use emery cloth Decrease contact forces may cause Overheating of the contact trips( loud humming or chattering is the warning) Power factor = kw/kva * Kva-apparent power * Kw-true power- the power actually used (uses a wattmeter) Reverse power relay-reverse current rating setting 5% for 10seconds Voltage regulator senses output voltage To obtain 100% power factor circuit must be purely resistive Uninterruptible power supply (ups) protects system from low voltage brown outs Motor generator (MG) is electrical motor that turns a generator (supplies regulated type111 electrical power to system) Motor generator output-120v, three phase, 400hz INDICATOR LIGHTS * White mg power is available * Blue generator circuit breaker is closed * Yellow mg is in use on the other circuit * Clear ground in the system/synchronizing * Red danger * Green normal Hysteresis loss, caused by friction develop between magnetic particles as they rotated though each cycle The primary windings of a current transformer should be connected in the line carrying the current to be measured One terminal of the secondary should be grounded Logarithmic negative temp coefficient- an increase in temp but decrease in resistance Positive temperature coefficient- an increase in temp and increase in resistance Negative temperature coefficient- an decrease in temp and decrease in resistance Only 450m 3phase 3 wire system ungrounded shore power source is acceptable for supplying electrical power. D’arsonval effect- through coil-magnetic field-repel or retract from coil magnetism Selective tripping- time delay source breakers 2301= 4 to 9 terminal MK 27 GYRO COMPASS IS A DIRECT READING COMPASS. SEEKS AND CONTINUOUSLY INDICATES THE MERIDIAN OR TRUE NORTH TWO BASIC PARTS OF THE MASTER COMPASS IS THE BINNACLE AND THE BASE ELECTRICAL CONTROL UNIT (ECU) OF THE MK 27 HOUSES OPERATING CONTROLS, FOLLOW UP SERVO AMPLIFIER, ALARM CIRCUIT, POWER SUPPLY, AND LATITUDE CONTROL WHAT CIRCUIT DESIGNATION FOR AN AIR FLOW ALARM HF COMPONENTS OF AN ALARM INDICATOR SYSTEM ARE SUPERVISORY CIRCUIT, ALARM CIRCUIT, ALARM DEVICES DRIVE UNIT CONVERTS ROTARY MOTION OF THE DRIVE MOTOR INTO A BACK AND FORTH MOTION IN A WINDOW WIPING SYSTEM PENDULUM POWER REQ 115 VOLTS, SINGLE PHASE AC SYCNCHRO CAPSITORS MAINTAINS ACCURACY IN SYNCHRO SYSTEMS. ALSO REDUCES STATOR CURRENTS M. I. C. A DESIGNATED TO A SPECIFIC UNIT FPD PROGRAM PROVIDES SIMPLIFIED ACQUISITION AND ACCOUNTING FUNCTIONS FOR LARGE UNITS OF THE COAST GUARD PRIMARY POWER FOR COAST GUARD 450 VOLT, THREE PHASE, 60HZ SECONDARY POWER FOR COAST GUARD 120 VOLT, THREE PHASE, 60HZ, TWO WIRE GROUND DETECTOR CANNOT DETECT GROUNDS THROUGH A TRANSFORMER POSITIVE TEMPERATURE COEFFICIENT THE RESISTANCE INCREASES WITH TEMPERATURE WATER INSIDE TRANSDUCER IS FROM EITHER FROM HUMIDIDTY OR FLUID FROM THE SYSTEM LEAKING BY THE DIAPHRAGM ADVANTAGE FOR USING A 4-20MA SIGNAL IN A TRANSDUCER IT CAN BE TRANSMITTED WITH LITTLE TO NO INTERFERENCE THREE LEAD RTD DOES NOT REQUIRE A COMPENSATION CIRCUIT REED SWITCH USED IN FLOODING ALARM SYSTEM BEARINGS DISASSEMBLING PRELIMINARIES BEFORE DISASSEMBLING, MATCH MARK ALL ADJACENT PARTS INCLUDING END BELLS, STATOR FEET, CARTRIDGE COVERS, END CAPS, AND COUPLING HALVES, SO THATTHEY ARE REMOUNTED IN THEIR EXACT ORIGINAL POSITION DUMP VALVE MUST BE RESET MANUALLY FUNCTION OF THERMISTOR ON THE SALINITY CELL A TEMPERATURE SENSITIVE RESISTOR WHICH LIMITS THE CURRENT FLOW ACROSS THE GP BETWEEN THE PLATES PREVENTATIVE MAINTENANCE FOR SALINITY SYSTEM METER CHECK (DAILY), ALARM TRIP LEVELS (WEEKLY), SYSTEM TEST (MONTHLY), CELL INSPECTION (MONTHLY), CELL VALVE INSPECTION (YEARLY), SYSTEM INSPECTION (BI- MONTHLY) POWER REQ FOR ANEOMETER 115 VAC, 60 HZ Term First       Both Sides TROUBLE SHOOTING SYNCHRO SYSTEMOVERLOAD INDICATOR LIGHTS, UNITS HUM AT ALL TX SETTINGS, ONE UNIT OVERHEATS, TR FOLLOWS SMOOTHLY BUT READS WRONG (ROTOR CIRCUIT OPEN OR SHORTED), OVERLOAD INDICATOR LIGHTS, UNITS HUM ON TWO OPPOSITE TX SETTINGS, BOTH UNITS GET WARM, TR TURNS SMOOTHLY IN ONE DIRECTION, THE REVERSES (STATOR CIRCUIT OPEN)| preventive maintence comdtinst m9000. , scheduled mpc serial numbers are first component is system it belongs to and 2nd is the frequency adding oil to the external cup lubricates the bushings components of the steering system are: steering controls, hydraulic system, rudder feedback system, emergency system primary mode for the steering system is hydraulic and electric Pressure senseing element converts gas or liquid energy into pschycal(mechnical) displacement Pressure snubber is a pressure transmitting device that restricts the rate of fluid flowing to a pressure senseing instrument and as the result, the rate f pressure changes