How The Rising Student Loan Debt - 1318 Words

How to Control The Rising Student Loan Debt The American Dream teaches us that if we work hard, earn a good living, and do our best that we will be able to live comfortably and happily with the fruits of our labors. In today’s society to achieve the American dream, one must first obtain a higher education. In order to do that though many students are taking out student loans and putting themselves further in debt. Having an education has now become highly sought after, yet increasingly harder to get due to the high cost of attendance. According to the Wall Street Journal , â€Å"Average published tuition and fees at private, nonprofit four-year colleges and universities increased 14% between 2008-09 and 2013-14 beyond the rate of inflation,†¦show more content†¦Kelley Holland, a journalist at CNBC said, â€Å"Rising student debt levels are changing how millions of people approach major milestones and core financial decisions, affecting longstanding social and eco nomic patterns.† This should be a scary reality for our whole nation and not just those that is specifically effects. Recent graduates are putting off getting married, starting families, buying homes and even venturing into entrepreneurship all because they feel a heavy burden from student loan debt and struggle to stay afloat after graduation. If we cannot fix this problem soon the debt will continue to climb, making it impossible to for students to get out of debt and loan companies to receive payment back. Mitchell D. Weiss, a contributor at Credit.com said, â€Å"When so many student borrowers are falling further and further behind in their payments, postponing purchases of cars and houses, putting off marriages and having children, they are sending an unmistakable message. Why are we not listening?† We need to stop this epidemic of increased debt, reevaluate the problem, and find a way to fix it. This debt will not go away on its own, and students will go fur ther and further into debt without a good way to fix the problem. Eventually our nation will suffer all at the price of gaining an education. To solve this problem we must look at the cause of high student loan debt increases in recent years. TheShow MoreRelatedCollege Tuition1075 Words   |  5 Pagesown work. If I have used outside sources, I have acknowledged them through correct documentation.† Student Loans Today college tuition prices are rising. Paying for college can often be a stressful responsibility. A college education is very important for many students, but when stressing on how to pay for college gets in the way, it becomes more of a burden. Kim Clark effectively states the rising prices of college tuition in her article, â€Å"The Surprising Causes of Those College Tuition Hikes.†Read MoreCauses Of Student Debt902 Words   |  4 PagesThe term student debt has become a bit controversial in todays world; it strikes fear into the hearts of students and parents alike. This is because student debt is increasing at an incredible rate and everyone agrees that it is a major problem. Many solutions have been proposed to fix this problem, yet nothing has been done. This problem is projected to worsen in the near future. The causes of this are relatively simple and clear-cut. The increase in student debt is caused by a combination of factorsRead MoreCollege Debt Is Increasing Number Of Students1390 Words   |  6 Pagesthe last several decades, rising tuition rates and changes in federal and state policies, an increasing number of students are turning to college student loans. As a result of these changes in prices and policies, the percentage of undergraduates borrowing has increased from 37.8% to 46.2% for public 4-year institutions and from 48.5% to 58.9% for private institutions. According to one estimate, student loan debt has reached $1 trillion dollars, surpassing credit card debt (Reynolds and Brandon). MostRead MoreThe Vicious Cycle Of Student Loans1576 Words   |  7 PagesCycle of Student Loans Student loans are one of the top three national debts in the United States. Total student loans have reached an outstanding of one trillion dollars and are still on going. It would take the United States hundred-fifty years, twenty million dollars a day to fully cover this national debt. Student loans are intended for students to go to college but they come with a rising social and economic cost. As the expectancy of high return and tuition are increasing, more students are endingRead More University Tuition Costs are Too High Essay1239 Words   |  5 Pageshigher education is quickly rising. Over half of college freshmen show some concern with how to pay for college. This is the highest this number has been since 1971 (Marill and O’Leary 64-66, 93). The amount of college graduate debt has been rapidly increasing also. With limited jobs available because of the high unemployment rate, college graduates find themselves staying in debt even longer. Although grants and fina ncial aid are available to students, students still struggle to pay for theirRead MoreIs College Getting to Expensive?801 Words   |  3 PagesCollege is a place where most high school students want to be after graduation. They may want to attend as a goal that they have achieved for themselves for future goals and aspirations, or something that theyre doing for their family. No matter what the reason is, there is one thing that is for sure. College is not cheap and will only continue to become more expensive. With this, comes diffulct financial decisions for the parents of the attende and the students themsevles. Middle class families makeRead MoreThe Problem Of Rising Student Loan Debt1495 Words   |  6 Pagesproblem of rising student loan debt. Student loan debt is a problem that has begun to seep into the very mainstream of society as more and more individuals attend college, especially those with great financial needs. Personally, I am lucky to say that I do not need to borr ow money to attend IRSC which has been a major blessing that has allowed me to better my education. Unfortunately, the same cannot be said about my husband, who graduated from Florida State University with student loan debts aroundRead MoreThe Benefits Of College Tuition1285 Words   |  6 Pagesneeding a master’s degree to get a better job. College tuition has been increasing at a steady rate. Many students are finding themselves not having equal opportunity to attend college due the high tuition cost. A large number of students that do attend find themselves with a huge amount of student loans to pay. Colleges have raised their tuition greatly, created unequal opportunity and create loans that take years to pay back. The tuition for college has skyrocketed. â€Å"For the past quarter-centuryRead MoreEducation Debt: The Problem and Solutions Essay1125 Words   |  5 Pagesever-increasing tuition and ever-tighten federal student aid, the number of students relying on student loan to fund a college education hits a historical peak. According to a survey conducted by an independent and nonprofit organization, two-thirds of college seniors graduated with loans in 2010, and each of them carried an average of $25,250 in debt. (Reed et. al., par. 2). My research question will focus on the profound effect of education debt on American college graduates’ lives, and my thesisRead MoreCollege Costs and Debt Essay937 Words   |  4 Pageshas its effect in the future. The question is always â€Å"what do you want to be when you grow up?† As you age, the career dreams develop into a more mature answer. No matter how anyone is raised, there is always someone pushing at least one other person t o go to college. Then, that silly career question is turned around on them, â€Å"how exactly do you expect me to afford college?† Roughly, about $809.6 billion is spent on college in the United States each year. Along with all the money spent, deb comes trailing

Utility Ethics The Utility Essay - 1398 Words

Introduction Among the numerous variations of ethics is one entitled Utility Ethics. Utility ethics, also known as utilitarianism, â€Å"promotes overall human welfare† (Jones, Felps, Bigley, 2007). Moreover, utility ethics is the â€Å"morally right choice of action in any situation that produces the greatest good for all involved† (Calculating, 2014). This moral principle suggests that all actions should â€Å"produce more good for everyone affected by the situation and the least amount of harm† (Calculating, 2014). Moreover, utilitarianism suggests that the action that generates the most happiness should be chosen (Philosophy, 2016). In order to determine if an action is morally right or wrong, a utility test may be performed. The utility test will aid in examining courses of action that produce the greatest amount of good for all affected in a situation (Hamilton, 2012). Mattel Inc. is known as being the â€Å"world’s largest toy company† (Sethi et al., 2011). The article by S. Prakash Sethi and colleagues (2011) suggests that the multinational corporation has been faced with numerous complaints of unethical conduct towards employees. An important ethical issue that is raised in the case study is the treatment of employees. The unfair treatment of employees includes: â€Å"low wages, excessive hours, and unsafe working environments† (Sethi et al., 2011). The utility test will be applied to this ethical issue raised by Mattel Inc. Utility Test The utility test can be used to find the â€Å"morallyShow MoreRelatedThe Utility Of Utility Ethics Essay1408 Words   |  6 PagesIntroduction of the Utility Test The utility test is a means to derive how utility ethics fit into a given problem or situation. It analyzes the setting and determines if it is an ethical condition or solution. This test is otherwise known as the best outcomes or utility principle (Ethics Ops, n.d.). What is Utility Ethics and Why? Utilitarianism offers an idea of ethical conduct which embraces the mutual considerations of people as of greatest significance when making a correct decision (GustafsonRead MoreAct Utilitarianism Is Morally Right1492 Words   |  6 PagesAct Utilitarianism determines a morally right act as the one that produces â€Å"the greatest overall utility in its consequences.† (EC, p. 111) In Case 1 (EC, p. 124), it could be argued that Act Utilitarianism would support an individual purchasing a hybrid car due to the overall utility of the consequence outweighing the disutility. However, Act Utilitarianism has weaknesses to accompany its strengths when assessing whether an act is morally right or wrong. One problem of Act Utilitarianism, shownRead MoreUsing Utilitarian Ethicals to Determine Right From Wrong Essay1496 Words   |  6 Pagesanalysis will explore the use of Jeremy Bentham’s Utilitarian ethics in the decision making process for that company in this vital time. Th e Utility test and the Common Good Test will then be applied to this situation and through that decision making process and then compared. This will all be used in attempt to solve the current issue that was on the mind of all of the board members. Utilitarian Ethical Problems Utilitarian ethics focuses on the maximizing the pleasure and the minimizing theRead MoreUtilitarianism And Its Flaws Of John Stuart Mill s Defends Utilitarianism Essay1307 Words   |  6 PagesChristian Mangru Professor Grindeland Ethics from a Global Perspective 7 December 2016 Utilitarianism and its Flaws John Stuart Mill’s defends utilitarianism, an ethical theory according to which, as he puts it, â€Å"actions are right in proportion as they tend to promote happiness, wrong as they tend to produce the reverse of happiness† (155 Ethics). In other words, actions are morally right if they make us happy and actions are morally wrong if they make us unhappy. Utilitarianism is an ethicalRead MoreSimilarity Between Religion And Utilitarianism813 Words   |  4 Pagesprinciples. The ultimate goal for a utilitarian is happiness, which is also the main objective of religion. Utilitarian ethics replicates the main religious rules. A principle like not lying is wrong in the religious sense because it is against teachings while the same is wrong according to a utilitarian perspective because it hampers the attainment of utility. The principal of utility and the golden rule expresses the idea that an individual is concerns are on the same level with the concern of othersRead MoreEthical Implications of a Confidentiality Breach Within the Healthcare Industry1380 Words   |  6 Pagesthere are not absolute values in ethics. Utilitarian theorists posits the viewpoints that ethic defensibility of all actions or events are relative to the amount of utility generally defined as good that they produce (Mill, 1863). The course of action that results in the greatest amount of good for the most people is the one that is most ethical. There are a few key factors that help to determine utility, however. One is that actions and events that present utility for the mind and intellect are generallyRead MoreIntroduction The purpose of this paper is to examine an ethical dilemma faced by a company who1600 Words   |  7 Pagesthe moral implications this company has in continuing further manufacturing for their pacemaker client. An overview of utilitarian ethics will be discussed, focused primarily around 17th century philosopher Jeremy Bentham’s ideas about ethics. His framework will be used to present factors that influence the transistor company’s business decision. Finally, the Utility Test and Common Good Test will be applied to the company’s predicament to help determine the correct ethical course of action for thisRead MoreAristotle on Friendship Essay1134 Words   |  5 Pagesfriendship, books VIII and IX of the Nicomachean Ethics deal solely with this topic. A modern day definition of a friend can be defined as â€Å"one joined to another in intimacy and mutual benevolence independently of sexual or family love†. (Oxford English Dictionary). Aristotle’ s view on friendship is much broader than this. His arguments are certainly not flawless. In this essay I will outline what Aristotle said about friendship in the Nichomachaen Ethics and highlight possible flaws in his argumentsRead MoreEssay On Utopia And Utopia816 Words   |  4 Pagespeople are going to have different view on things. There’s always two sides to everything. When it comes to university, there are two visions: Utility and Utopia. They’re very different and lead to different metrics of success. In order to be success in school, it’s imperative to balance yourself between the two visions. Keeping a balance between utopia and utility can lead to path. They both explain a great deal about college. Although they both have different aims, they have one goal similar. The goalRead MoreOn Utilitarianism and Kantian Ethics 1681 Words   |  7 Pages1. Introduction There is little doubt that Utilitarianism and Kantian Ethics are by far the two most important ethical theories throughout contemporary philosophy. Though both attempt to answer questions about morality and behavior, the two theories have many fundamental differences: one evaluates actions in terms of the utility they produce whereas the other considers whether actions fulfill duty; one emphasizes consequence where the other highlights intentions; one sees desire as essential while

Who and Why I Am free essay sample

This is going to be hard to write. I don’t mean I’ll have trouble with the grammar or spelling, or with the composition. I know what I’m going to write and how it’s going to look. The only problem is that this subject is painful to write about. The experiences that have made me who I am are painful ones. While I’ve become grateful for them, they still make me cringe. I’m writing about them because it’s the only way you’ll know who I am and why I am who I am. This will truly explain it all. It’s just not always going to be pleasant. I was diagnosed with cancer at the end of seventh grade, when I was twelve years old. â€Å"Stage IV Neuorblastoma,† the doctors told me. I had never heard of it, and I didn’t want to find out. We will write a custom essay sample on Who and Why I Am or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page But I did, and that was just the beginning. I received five doses of chemotherapy, landed in the Intensive Care Unit many times, had a 13-hour surgery, made it through a stem-cell transplant that very nearly killed me, endured months of boredom in the hospital, went through countless scans, started two experimental medicines, and became radioactive for a week. There are no words for how horrible, how trying, how agonizing this all was. There were many times when I felt like I could not do this. Thankfully, those moments would all pass. I would come to see that there were only two choices: living, or not. I wanted that first one. I wanted it for my family, who was always by my side, and I wanted it for my friends, who stuck by me. They had set up fundraisers for me, sent me letters, and came to visit. These people were putting so much effort into making me comfortable and getting me well that I absolutely could not disappoint them. I was going to get well. Plus, I wanted it for me. More than anything else I have ever wanted, I wanted life. So I did what I had to do. I kept at it all, and when I would hit another rough spot, I would cry, certainly, but then I’d remind myself what I was fighting for. I would get through it all. I believe now that I have gained more than I have lost. I have been given the privilege of finding out who I can always count on. I know what is most important to me. I learned how precious life is, and that everything on this earth is a gift from God. I am truly thankful for everything that comes my way, whether it is a quiet day at home, a chance to see friends, or a good grade on a test. I feel confident in myself, and even though physically I am not strong, I feel stronger in spirit now than I ever have. I know what it is that makes me â€Å"me† and I know that I can rise to any occasion.

Colonialism and Atlantic World free essay sample

The social and Economic transformations that occurred in the Atlantic world as a result of new contacts among Western Europe, Africa, and the Americas from 1492 to 1 750 increased and decreased populations of the Atlantic world due to the slave trade and flourishing economy. Also in the Americas, European colonists stopped mining for silver, and moved on to agriculture. Due to the new contacts within the Atlantic world, economies flourished as new crops and food spread around. The sole reason for the spread of such goods was due to the triangular trade system and the slave trade systems, in which Europeans carried voyages over the three continents of Europe, Africa, and the Americas. As the Atlantic world came into contact with Europe, Africa, and the Americas, it was affected socially in many ways such as class separation in the Americas. As the European colonists wanted to maintain power in their colonies they were able to create new social groups. We will write a custom essay sample on Colonialism and Atlantic World or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page

American civil war Essay

American civil war Essay American civil war Essay The American Civil War was a fought within the United States between the North and the South starting from 1861 and ending in 1865. This war was one of the most negative events in American history, yet it helped shape the character of the American individual today. The causes of Civil War can be traced back to tensions that were created early in colonial era. Mainly, the war between the two regions was caused by social, political and economic differences between the South and the North, but it is important to understand that slavery was the root of cause of these differences. Socially, the North and the South were built on different standards. The South was a slave-based community, and people were depended on slaves and accustomed to this way of life. South plantation owners had slaves working for them, and those who could not afford to own slaves would work on their own farm. The North had more immigrants settling in its areas, where labor was needed. Therefore it had a more industr ialized society where most people worked in factories. The Northerners opposed to Slavery as an institution in the South, as the Confederate States were the only region in the world that still legalized the ownership of slaves. This angered the Southerners and threatened their way of life. By time, economic differences also developed between the two regions. The Southern states were depended on agriculture rather than industrialization. After the Cotton Gin was invented, it increased the need for slaves and made cotton the chief crop of the South. The South was able to produce most worlds’ supply of cotton. This increased the South's dependence on the plantation system and its vital component, slavery. However, the North was prospering industrially. The North depended on factories and industrialized businesses. In addition, many of the new immigrants settled north, while very few settled south. This allowed the North to grow industrially, while making the South more hostile t owards them. Southern economy opposed high taxes, as manufacturing was limited. But the Northern states accepted high taxes to protect its products from cheap foreign competition. Another major problem that occurred was the competition between the North and South for more land. The expansion of America due to the lands obtained from the Louisiana Purchase and with the Mexican war, it caused the issue of whether new states would become free or slavery. This decision was important not only for the individual state making the decision but for the country as a whole. In December of 1818, a bill was placed into the hands of congressman to allow Missouri to be admitted as an independent state of the United State. The bill wanted Missouri to be permitted to have slaves. The Northern representatives did not want Missouri to have any slaves. They wanted a free state and any slaves located in the territory of Missouri to be freed. However, the Southern representatives wanted the state to ret ain their right to have slaves. The on-going debate progressed for the next two years until the creation of Missouri Compromise of 1820, which Missouri enter the union as a slave state, and Maine enter as a free state. Also, no territory above the 30-36 parallel

What Is a Double Major Is a Double Major Right for You

What Is a Double Major Is a Double Major Right for You SAT / ACT Prep Online Guides and Tips Going to college can sometimes feel like a series of tough decisions. Not only do you have to take standardized tests like the ACT or SAT, you also have to decide which colleges to apply to and write (practically) a million applications! After all of that, picking your major sometimes feels like the easy part. But not so fast! Many schools offer a variety of majoring opportunities, including a degree path referred to as a double major where you concentrate in not one, but two different subjects. This guide will take the mystery out of what it means to double major! We’ll explore the ins and outs of the degree path, including: Defining what a double major is...and what it isn’t, Discussing the pros and cons of double majoring, and finally, Helping you figure out whether a double major is the right choice for you. So without further ado...let’s dive in! Priscilla Du Preez/Unsplash What Is a Double Major? A Brief Introduction Simply put: a double major is one bachelor’s degree with two concentrations, which are more commonly known as majors. But what does that mean, exactly? First, you need to understand the differences between a degree and a major. The Bachelor’s Degree Universities offer a number of degree programs at three different levels: the bachelor’s degree, the master’s degree, and the doctoral degree. The first degree you earn is a bachelor’s degree, which takes approximately four years to complete. There are different types of bachelor’s degrees awarded depending on your major. The two most common bachelor’s degrees are the Bachelor of Arts (B.A.) and the Bachelor of Science (B.S.) A Bachelor of Arts is earned in any liberal arts related field. These include studies like history, philosophy, English, and foreign language. A Bachelor of Science is earned in science-related fields of study, like biology, chemistry, physics, and mathematics. Some universities offer additional bachelor’s degrees, like Princeton’s Bachelor of Science in Engineering (B.S.E) or the University of Pennsylvania’s Bachelor of Applied Science (B.A.S). Regardless of what the degree is called, the most important thing to remember is that a bachelor’s degree is what you earn for completing all of your university’s requirements for a four-year undergraduate degree. The Major A major is a distinct area of concentrated study within your degree field. (Now that you know what a degree is, we bet this makes more sense!) So you can think of a major as an area of study within the scope of a degree! Here’s an example to make this even more clear: let’s say you go to Harvard because you want to be an engineer. But wait! There are multiple types of engineering, all of which require different knowledge and skills. That’s why Harvard offers seven different engineering majors: applied mathematics, biomedical engineering, computer science, electrical engineering, engineering sciences, environmental science engineering, and mechanical engineering. Since you want to work in cloud computing, you’ll probably choose to major in computer science...and once you meet all the program’s requirements, you’ll graduate with a Bachelor of Science degree! The Double Major When you double major, you will be getting a single degree/diploma that lists concentrations in two majors. In other words, as a double major you will complete the graduation requirements for two separate majors, both of which are in a single degree field. Here’s what we mean: let’s say you want to go into politics, and you hope to work abroad as part of the U.S. Embassy in France. To do this, you know that you need a political science degree and you need to be bilingual in French. Luckily for you, your university offers a B.A. in French and a B.A. in Political Science. This could be a tricky situation if you had to choose between one major and another- it would be hard to determine which course of study is most important! That’s why most universities offer a double major: it lets you fulfill the requirements for both fields of study, both of which will appear on your diploma. So someone who only majors in political science will earn a Bachelor of Arts in Political Science, whereas your double major will result in a Bachelor of Arts in Political Science and French! But what does that look like from a practical perspective? Let’s take a look! Meet Sophia, who has just been admitted to Cornell University. She’s decided that she wants to double major in history and philosophy (which are both part of the Bachelor of Arts degree). As part of The College of Arts Sciences, Sophia’s first job will be to complete all of the college’s core requirements for graduation. After looking at the list, Sophia knows she will have to take at least sixteen classes as part of her core. After that, Sophia takes a look at what classes she needs to take to major in history and philosophy. The history department will require her to take nine history courses to earn a major, and a philosophy major requires a minimum of eight philosophy courses. In order to earn a double major, Sophia will have to meet all the criteria for each major as well as finish her core studies. While earning a double major might seem daunting, it’s definitely an achievable goal. In fact, 12.5% of college students graduated with a double major in 2015. We’ll talk a little more about how to decide if a double major is right for you in just a second, but first, let’s look at what a double major isn’t. sboneham/Flickr What a Double Major Isn’t A double major isn’t the only alternative to a â€Å"typical† four-year degree offered by most universities. (Yep, that’s right- there are even more choices!) While we’re only focusing on double majoring in this article, it’s important to have a brief understanding of the alternatives to avoid confusion! A Double Major Isn’t a Dual Degree A dual degree is exactly what it sounds like: instead of earning one degree with multiple concentrations, you will earn two separate degrees in two separate fields! This happens when a student completes the requirements for majors that confer separate degrees. For example, let’s say a student wants to study art history and biology. Because art history is a Bachelor of Arts and biology is a Bachelor of Science, this person will earn two separate diplomas (a B.A. and a B.S)! Dual degrees are considerably more rare than double majors because a student has to earn two separate degrees that often require different core courses. If students are interested in another area that falls outside of their degree field, many choose to earn a minor rather than a dual degree. A Double Major Isn’t a Minor The best way to think about a minor is as a â€Å"mini major† in another area of study that interests you! Minors usually require four to six additional courses, and they are specifically designed to help students develop a little more knowledge in another area of interest. That’s why minors are sometimes called â€Å"secondary† emphases! For many students, a minor lets them dig into a field that complements their major field of study. For example, someone studying American history might minor in African-American studies, especially if they’re interested in the Civil Rights movement. The important thing to remember is that a minor is like dipping your toe into a subject, while a major involves gaining in-depth knowledge. That difference is reflected in your degree. While a double major lists both areas of study equally, a minor is noted as such- if it appears on your degree at all. That means a double major carries more weight, which can be very important depending on your future career! A Double Major Isn’t an Emphasis Some majors require a student to pick an emphasis within the major itself. Unlike a minor, which is usually earned as part of a different program, an emphasis is a concentration on a specific subject area within a single major. For instance, many English majors are required to pick an emphasis because the field is so broad. These can be a certain time period, a certain genre, or even a specific skill (like grammar)! The goal of an emphasis is to offer more tailored study within a major without requiring additional coursework. Unlike a minor, which is totally optional, emphases are often required to earn certain degrees. For example, if you’re majoring in education, your department might require you to choose an emphasis like elementary education, secondary education, or even special education. Areas of emphasis vary between departments and universities, but keep in mind that an emphasis is the least intensive addition to a â€Å"typical† four-year degree. In terms of order of importance, a major carries more weight than a minor, which carries more weight than an emphasis! Put another way, a second major gives you much more in-depth knowledge about a subject than either a minor or an emphasis. Max Pixel/Max Pixel 5 Pros to Double Majoring Now that you know exactly what a double major is (and isn’t!), let’s talk about the perks of double majoring. #1: You’ll Develop Unique Critical Thinking Skills One of the cool things about being a double major is that you get to learn a lot about two subjects that really interest you. But that also means that you’ll have to learn to think in many different ways since the problem-solving strategies you’ll need to succeed in your first major are probably a little different than the ones you’ll develop for your second major. For example, let’s say you’re majoring in biology and chemistry. While many of the fundamental scientific concepts are the same, you’ll definitely have to use different skills to learn human anatomy than you’ll use when balancing equations! This helps you stretch your brain in new ways, which will make you a better critical thinker, strategist, and problem solver. #2: A Little Extra Work Can Reap Big Rewards This is especially true if you’re double majoring in related fields. Most schools allow you to count a certain number of classes toward two requirements. For example, if you take a sophomore-level chemistry course as part of your chemistry major, it might also count toward a molecular biology major, too! Because you can sometimes double-dip to fulfill certain major requirements, the difference between a single and a double major can sometimes be reduced to just a few courses. That’s why it’s important to plan ahead no matter what major you choose- you definitely don’t want such a prime opportunity to pass you by because you found out about it too late! #3: Double Majors Make You Stand Out in the Job Market It’s no secret that today’s job market is tough, especially for new graduates. A double major can definitely help you stand out from the crowd. Not only does it offer a business a second area of expertise, it demonstrates your ability to plan ahead, work hard, and overcome challenges. Additionally, your second major will allow you to bring unique and valuable skills to the table that your peers don’t have. All of this combines to make you a more competitive candidate for better jobs! Double majors can also give you a leg up if you’re applying to graduate school. Not only does it show that you can manage an intense workload- and make no mistake, graduate school is much harder than earning an undergraduate degree- it also shows admissions committees that you’ll bring new ideas to their department. This is especially true if you have a unique double major combination! For instance, a competitive Master’s of Business Administration program will likely find someone who double majored in advertising and psychology a more compelling candidate than someone with just a single business-related major. Nick Youngson/PicPedia.org #4: You’ll Have More Career Opportunities When you have to majors, you effectively open up a second career path. Your second major opens up more opportunities, which can be incredibly useful if you’re dream job is in a competitive industry. Here’s an instance of how this can work. Steven majored in geology and statistics. He had hoped to work as a petroleum geologist, but new laws and trade agreements have made those jobs pretty scare. Instead, Steven applies for (and land!) a role as a risk analyst for a major oil company. Now that he’s gaining experience in the oil and gas industry, Steven will be an excellent candidate for any geologist position that becomes available in the future. Additionally, a second major can help you secure more unique career opportunities. For example, someone who majors in Spanish and marketing has put themselves in a fantastic position to enter the growing Spanish-language advertising industry. Your second major will make you a much better candidate for a position like this than if you’d majored in Spanish or marketing alone. #5: You’ll Develop a New Perspective One of the amazing things that happens when you study new ideas is that it gives you a new, innovative perspective on existing problems. For instance, did you know that Susan Wojcicki, the CEO of YouTube, studied English and history at Harvard? Or that Rashida Jones- also a Harvard alum- graduated with a degree in religion and philosophy? Double majoring gives you a robust knowledge base lets you see things from fresh angles, which leads to unique ideas, concepts, and solutions that other people would have missed! That’s not only important for a successful career...it can help you change the world, too. 5 Cons to Double Majoring Now that we’ve discussed the pretty awesome perks of a double major, let’s take a closer look at some of the drawbacks of double majoring. #1: You Have to Plan Ahead We mentioned this already, but it bears repeating: if you want to double major, you absolutely must plan ahead. That means more than just looking at class offerings before you can register. We’re talking sitting down with your advisor the first weeks of your freshman year and mapping out your course of study for the next four years. Furthermore, you need to understand the requirements of each major from the get-go so that you can figure out how to maximize your courses. For instance, how many can count toward both majors? Are there summer courses you can take to help speed things along? These are just some of the questions you need to think about to make sure you’re making the most of your time and money. #2: It Can Take Longer to Graduate Is it possible to graduate with a double major in four years? Absolutely! But it takes careful planning, like using your elective credits toward your major. The four-year degree plan also gets more complicated if your majors are extremely different. For example, if you’re majoring in Middle Eastern Studies and sociology, you probably won’t have many classes that can count toward both programs. That can add eight (or more!) courses to your schedule, which might require an additional semester or two to complete. #3: Double Majoring Can Make College More Expensive Speaking of money...double majoring can be more expensive than earning a traditional degree because you’ll have to take additional courses. This means more than just a hike in tuition: you also need to consider the cost of books, supplies, and even gas if you’re traveling to campus more than usual. (This is especially important since many scholarships and grants only cover tuition!) Also, keep in mind that the total cost of college increases with each additional year it takes to finish school. While one year might not seem like a long time, it’s another year of rent, utilities, and food. This can add thousands of dollars to the total cost of your degree, so make sure you’re planning both your course load and your budget carefully. #4: You’ll Have Less Time to Explore Other Interests Many students opt to use their elective credits to help knock out some of the requirements for their second major. This is a great plan, but it also means that you won’t have the opportunity to take classes that interest you just for the sake of learning more about the topic. (Electives credits exist to serve this very purpose!) So if there’s a geology course on dinosaurs or an astrology class on sunspots that you’d love to take, you might have to pass so you can put that time and money toward your second major instead. #5: It Can Be Hard to Participate in Activities Outside the Classroom For many students, one of the most exciting parts of college are the things that happen outside of the classroom. Whether that’s cheering on your football team or joining an all-campus choir, universities provide students tons of extracurricular opportunities to learn, play, and grow. But when you’re double majoring, your time is precious; it can be hard to find enough time to join extracurricular activities and make good grades in your courses. If having a complete â€Å"college experience† is important to you, you might reconsider whether a double major is the right fit for you. Esther Tuttle/Unsplash How to Determine If You Should Double Major Perhaps you’re still on the fence about whether you should double major. Never fear: we’ve created a quiz to help you gain some clarity about whether a double major is right for you! Take a few minutes and answer each of the following questions. Make sure you’re being honest with yourself, especially since there are no right or wrong answers. When you open my school planner, you see: Detailed notes everywhere. My planner runs my life! I write down the major stuff. I carry it around with good intentions, but it’s pretty empty. When it comes to projects, I: Start a month ahead of time. Start thinking about it when it’s assigned, but I won’t start working on it until a week before it’s due. Pull a few all-nighters to get it in before deadline. Picking a major is overwhelming because: I have too many interests! It’s too hard to narrow down what I want to do. I want to have a chance to take classes in a few subjects before I make such an important decision. I’m pretty sure I’ll change my mind five times before classes start. I’d rather: Be early than late. Be right on time. Arrive once the party has started. How did you feel about meeting with your guidance counselor? I met with her a few more times than I needed to because I wanted to make sure I was on track. The meetings we had were helpful and brief. I thought they were a waste of my time. If I graduated in more than four years, I would: Not be super happy about it, but as long as I was setting myself up for success, I’d manage. I would do it if I had to, but graduating on time is pretty important to me.I want to get in and out of college in four years. I have big plans for my career, and I want to get started as soon as possible. Would you consider doing summer school? Sure! I took classes at the local community college in high school. Yes, but only if I had to in order to graduate on time or raise my GPA. It’s not an option for me. Okay, now it’s time to score your quiz! If Your Answers Are Mostly 1's You’re a great fit for a double major. You have a strong vision for what you want to achieve during college and after graduating. You’re also a very organized person who appreciates a good plan, which is critical when you’re double majoring since half the battle is sticking to your educational road map! It also sounds like you’re no stranger to hard work, which is important since double majoring means you’ll be taking harder classes more often. If Your Answers Are Mostly 2's A double major is still a good fit, but you might have to work on your study and/or organizational habits. If you answered mostly twos, you have all the fundamental skills it takes to be a double major! You’re a good student, take an active role in your education, and know what it means to work hard. But the increased workload of a double major means you’ll have to plan farther ahead than your used to. For example, starting projects a week in advance only works if you have one project due, but most college courses require either a final exam or a final project as a major part of the course grade. You’ll have to learn to be a little more proactive about both your study habits and your schedule if you decide to double major. If Your Answers Were Mostly 3's Think about minoring instead. It sounds like you’re not 100% sure about what you want to major in, much less what you’d like your future career to be. And you know what? That’s totally fine! Many people use their first year in college to explore their options before settling on a major or a career path. But because double majoring requires a lot of forethought and planning, it might make more sense to think about a minor instead. That way you can use your electives to follow your passions before deciding what you’d like to study! Anika Huizinga/Unsplash The Bottom Line: Is a Double Major Right for You? Even though double majoring is hard work, it’s far from impossible! But it is definitely a big commitment that requires planning, preparedness, and persistence. But earning a double major can definitely pay off, especially once you enter the job market. Right now, take some time to think about what you want your life to look like in ten years. Is a double major a critical step in achieving your dreams? As you consider your decision, don’t be afraid to talk to your parents, teachers, and counselors. They know you best and can give you valuable advice about whether a double major is right for you. Next Steps If you’re still not sure about what to major in, check out this handy guide that helps you determine what majors might be right for you as well as our list of relatively low-key college majors. Regardless of where you go to college, the goal of a university degree is to train you for your career. But not all job prospects are created equal. This list walks you through 26 majors with low employment rates and salaries. Trust us: your future self will thank you for reading this post. Like we mentioned earlier, a dual degree is another alternative to a double major that lets you earn separate degrees from different colleges at your university. Learn more about dual degree programs, and compare them with double majors to determine which path is right for you. Want to build the best possible college application? We can help. PrepScholar Admissions is the world's best admissions consulting service. We combine world-class admissions counselors with our data-driven, proprietary admissions strategies. We've overseen thousands of students get into their top choice schools, from state colleges to the Ivy League. We know what kinds of students colleges want to admit. We want to get you admitted to your dream schools. Learn more about PrepScholar Admissions to maximize your chance of getting in.

School Uniforms Gang Effect Essay Example | Topics and Well Written Essays - 250 words

School Uniforms Gang Effect - Essay Example Both of these words are sometimes abbreviated as "quote(s)". Block quote  is another punctuation mark which is also called  long quotation  or  extracts quotation. It is a  quotation  in a written document that is set off from the main text as a paragraph or block of text, and typically distinguished visually using  indentation  and a different  typeface or smaller size quotation. This is in contrast to setting it off with quotation marks in a  run-in quote.   Apart from quotation marks not being used to enclose block quotations, there are no hard-and-fast rules for the exact formatting of block quotations. (Susan, pg. 360) In conclusion style for using a block quotation is preferred when extracting text that has 100 words or more, or approximately six to eight lines in a typical manuscript than using quotes. To a large extent the specific format may be dictated by the method of publication such handwritten  text,  typewritten  pages, or  electronic publishing as well as the  typeface  being

Research paper for art ( advertising ) Example | Topics and Well Written Essays - 2500 words

For art ( advertising ) - Research Paper Example The essay deconstructs advertising, as it investigates the gap between what is promised and what is actually communicated and provided, using several print advertisements. These advertisements appropriate ideas from High Art and culture by intertextuality, specifically, through using cultural symbols and associations where products do not have denotations alone to represent the actual needs that they can satisfy, but more than that, they connote the fulfillment of various human desires, especially for sex and power. Corporate interests want to use these sexual and violent images to engender that their products are more than things to be consumed, but are signifiers of identities and lifestyles. Advertising mediates meaning by acting on people and framing their attitudes and behaviors. Advertisements act on people by using objects or images that have influence on their emotions and/or cognitions. An example is the Budweiser print ad shown below (Figure 1). The ad contains three, evidently, young women, who may even be considered as under-aged, surrounded with Budweiser beer cans and with Budweiser brand and logo plastered on their swimsuit-wearing bodies and the mat they are on. The youth of these models means that the advertisers target the youth, even when they know that many countries ban drinking alcohol for teenagers. The use of pocket books and CDs also underscore the youth’s interests, as well as their middle-class lifestyle. Jean Kilbourne, in â€Å"Forget the Rules! Enjoy the Wine,† provides other beer and alcohol ads that attract the younger market through familiar animal icons and through appealing to their sense of rebellion and demand for freedom (164). Kilbourne argues that advertisers sell beer by selling rebellion, including women, to target female drinkers. Figure 1 affirms the sense of rebellion in these young women drinking beer as if it is something they can do every

Mission Statement and Marketing Research Essay Example | Topics and Well Written Essays - 250 words

Mission Statement and Marketing Research - Essay Example well elaborated example is the Sharp Healthcare’s mission, â€Å"our mission is to improve the health of those we serve with a commitment to excellence in all that we do and our goal is to offer quality care and programs that set community standards, exceed patients’ expectations and are provided in a caring, convenient, cost-effective and accessible manner. This clearly gives a historical and dream purpose of the organization and its value structure and it explains that their existence is mainly to improve health in the society. The business is well managed so as to serve and give quality services to their patients, and it promises them a future that is caring, convenient and cost-effective. Marketing research is a core functional aspect of any business and it is based on two perspectives which are the vision, mission and organization goals and the other part is the internal/external analysis (Hillestad, 2004) which includes the assessment of the environment, competitors, an internal analysis, market evaluation and a review of marketing activities. the marketing plan of establishing a surgical center must uncover numerous opportunities and have all the necessary information ,have adequate data, and financial planning issues, building issues and miscellaneous of the surgical center. It provides potential partners information about the expectations, risks and profits of the project as well as the total equity to be contributed for the success of the outpatient surgical center (Lawrence, 2004). The marketing research plan embrace financial, human resource, technological, regulatory ,operational ,analysis of data linked with organization’s strategic plan, marketing s trategy, tactical marketing and information system compensations and have to build on the values and mission of the

Citizens National Bank Searches For System Solution

Citizens National Bank Searches For System Solution In the information system world, before a problem can be solved, it first must be properly defined. Members of the organization must agree that a problem actually exists and that it is serious. The problem must be investigated so that it can be better understood. Next comes a period of devising alternative solutions, then one of evaluating each alternative and selecting the best solution. The final stage is one of implementing the solution, in which a detailed design for the solution is specified, translated into a physical system, tested, introduced to the organization, and further refined as it is used over time. Unfortunately, the same mistakes happen again and again when organizations decide to embrace a new information system either as a solution to a problem or set of problems the organization perceives it is facing, or a management realization that the organization should take advantage of new opportunities to perform more effectively. These mistakes occur repeatedly due to the lack of a thorough system analysis which includes a feasibility study to determine whether each proposed solution is feasible, or achievable, from a financial, technical, and organizational standpoint. The importance of system analysis, information requirements, and feasibility study come of their advantages in determining whether each alternative solution is a good investment, whether the technology needed for the system is available and can be handled by the firms information systems staff, and whether the organization is capable of accommodating the changes introduced by the system. Customer relationship management systems are very popular information systems nowadays and have been hailed as a way for companies to find, influence, and retain customers, even though industry experts cite failure rates for CRM rollouts of up to 70 percent. Thats a disastrously high figure for initiatives that typically cost hundreds of thousandsor even millionsof dollars. Most often the complexity of CRM systems can turn deployments into expensive, time-consuming mistakes when companies embrace a complete CRM package from well known vendors like SAP, or Seibel while they need only low-cost, easy-to-implement CRM software with some common CRM features like lead generation and management, deal tracking, and customer support management. Citizens National Bank searches for a system solution will be my main discussion in this case study which I think depicts a simple example of organizations that underestimate the importance of a thorough assessment to business processes and a deep analysis to the projected information system to define the requirements of the new system, available alternatives, and comparing multiple selection criteria in order to choose the best available solution which capable of performing the required tasks, satisfy users needs, and compatible with the organizations legacy systems. Singleton Needs a CRM Package The initial problem that Mark Singleton was trying to resolve is the implementation of a CRM system to increase sales by raising the number of contacts relationship bankers were making and improving the tracking of these activities so that the bank could learn more from them. Also Singleton wanted a CRM system that places a great value on the person-to-person interactions between his relationship bankers and their customers and doesnt interfere with those interactions and diminishes the relationship bankers rapport with customers. (Lauden, 2010) In the problem-solving process which is especially valuable when we need to build new systems as a solution to a problem or set of problems the organization perceives it is facing. The problem in this case came from the management realization that the organization should take advantage of new opportunities to perform more effectively, but they didnt apply the four steps of problem solving. In the problem-solving process to system building, we would need to take the following four steps: (Lauden, 2010) (1) Define and understand the problem. (2) Develop alternative solutions. (3) Choose the best solution. (4) Implement the solution. Citizens National Bank CEO Mark Singleton achieved the first step with an outstanding performance in defining and understanding the problem for which they need to build a new system but he failed dramatically in applying the rest of the steps required by the problem-solving process to build a new system. Mr. Singleton did not devise, develop or try several alternative solutions before opting for a new CRM system to solve the problem of paper and manual work and replace it with a new information system to automate some of the bankers tasks. Because he did not develop alternative solutions, he couldnt choose the best solution which led to a failed implementation at the first time. Figure : Problem Solving Process Source: Lauden, Management Information Systems New System Implementation! Its Tangible and Intangible Benefits Organizationally, Citizens National Bank of Texas is a private, full-service bank with headquarters in Waxahachie, Texas, and 200 employees that has operated independently since 1868. Citizens National Bank relies on personal, retail, and commercial customers and serves businesses and consumers in Ellis County and other nearby counties, primarily in communities with populations of 25,000 or less. (Lauden, 2010) Citizen National bank operates heavily manual and count on paper system in which sometimes a salesperson that left Citizens National could take records of customer interaction with him or her, leaving the bank with no information to maintain the relationship. The paper system also created too much information for Singleton and his branch managers to process effectively. So that the old paper system cannot support the large number of new customers and the annual grow at a rate of 12 percent. (Lauden, 2010) A major part of Citizen Nationals strategy for continuing growth was to implement customer relationship management (CRM) software. The CRM strategy targeted the banks two main contact points with customers: the banks call center and its sales force. The objectives of a solution for Citizens National Bank would be to reduce the amount of time, effort, and errors in the tracking of activities made by relationship bankers and to increase sales by raising the number of contacts relationship bankers were making and improving the tracking of these activities so that the bank could learn more from them. (Lauden, 2010) Tangible Benefits Increased productivity: Using a CRM system will enable relationship bankers to improve their tracking activities with customers, which in turn increase their productivity and give them ability to serve more customers. Lower operational costs: using electronic records will substantially reduce papers used and results in cost saving. Reduced workforce: this is will be the result of increasing bankers productivity to serve more customers, which in turn will considerably reduce the workforce required to handle the projected increase in sales. Reduced rate of growth in expenses Reduced facility costs: due to paper reduction, and workforce reduction. Intangible Benefits Improved organizational planning and flexibility: because the paper system created too much information for Singleton and his branch managers to process effectively. The CRM system will give them efficient information to make effective decisions. Improved decision making: having accurate information under executives and managers control will dramatically enhance the decision making. Improved operations: The CRM system will enable the bank to approve credit and loan applications more quickly. Improved asset utilization and improved resource control. More information available in a timely manner. Enhanced employee goodwill: because under the old paper system, a salesperson that left Citizens National could take records of customer interaction with him or her, leaving the bank with no information to maintain the relationship. Increased job satisfaction among employees. Higher client satisfaction: nothing will satisfy the customers more than getting a quick approvals and smooth transactions. Better corporate image: this is will result automatically from an increase in job satisfaction among employees and a higher client satisfaction. Why didnt the implementation of the Siebel CRM solution work out I believe that the implementation of the Siebel CRM solution didnt work out for Citizens National because it was not the best solution that applies or fits into the defined problem; it didnt work out because it was not a result of a thorough selection process that went through precise evaluation for multiple alternatives or solutions. The implementation failed for many factors, I will classify these factors in terms of organization, technology, and people issues Organization: the approach of Citizens National toward nearly all business functions, from tracking customer leads to generating reports about them, was very basic. The Siebel software was simply too rich in features. (Lauden, 2010) From the start, Citizens National had trouble getting the software to fit its rather straightforward, basic customer-lead tracking and reporting needs.With Siebel, we were spending way too much time turning off capabilities that we didnt need, Singleton explains. An example of functionality that didnt fit Citizens Nationals business model was Siebels capability for setting up customer support cases. While some large corporations may want to set up a support case with detailed complaint-tracking and resolution functions, the small bank had no use for it. Service complaints that come in to Citizens National are handled on the spot by its call center. For service inquiries that require a follow-up, such as a customer asking about the reordering of checks, the call-center representative schedules an activity by sending an e-mail to the employee who handles check orders. (Bartholomew, 2007) People: Employees found the software to be too complicated. They were surprised to learn, for example, that the system did not automatically generate potential business opportunities for customers on their records. Furthermore, bankers were not able to view multiple relationships between a customer and the bank on the same screen. The extra navigation was confusing and inefficient. (Lauden, 2010) The relationship bankers were the key employees; the system was intended to be of value to them, and, in turn, provide value to the bank. However, they found no incentive in the Siebel environment because their compensation was based on sales, and sales had become harder to make. Citizens Nationals bankers found the system difficult to navigate. For instance, the banking representatives couldnt understand why an opportunity to make a loan to a particular customer wasnt listed under the customers record. You have to assign that opportunity to that person, explains Doug Furney, president and CEO of The Small Business Solution. If you dont make those relationships when entering the data, the opportunity wont appear under that customers record. Not everyone easily grasped this concept. (Bartholomew, 2007) Furney says the way the screens were laid out in Siebel, Citizens bankers had to flip back and forth between the various screens to identify different relationships that customers had with the bank. Understanding these relationships in the system was very confusing to their bankers, he says. As a result, the banks top sales representatives, who werent eager to change the way they did their work to fit the needs of the software, found Siebels learning curve too steep to negotiate. Citizens Nationals 16 relationship bankers never got over the ease-of-use problems that Siebel presented, Furney says. (Bartholomew, 2007) Technology: Citizens National experienced compatibility issues between the database formats in Siebel and those used by the banks core banking application, developed by Kirchman. As a result, the two systems had difficulty exchanging information properly. The bank was forced to spend a significant amount of time fixing such compatibility issues, which negatively impacted its ability to serve customers. (Lauden, 2010) Citizens National also had to deal with a raft of customization issues, often stemming from the differences between databases. Furney worked to integrate Siebel with Citizens Nationals core banking application. The bank uses banking software from Kirchman, whose vertical systems are used by numerous small and medium-size banks to process and track customers deposits, loans and trust accounts. Trying to get these two systems to talk was a challenge, he says. (Bartholomew, 2007) One basic difference was the way the core banking application set up its customer data fields. The Kirchman system did not have individual fields for both the customers first and last names, choosing instead to include the full name in a single field. By contrast, in Siebel, the customers first and last name each had a data field. Thats the kind of thing we ran into when we tried to marry data from these two different systems, Furney says. This kind of integration takes time, and customers dont realize how much time is required. (Bartholomew, 2007) Was QuickBase a better solution for Citizens National In my perspective, QuickBase was the best alternative solution that meets the requirements of Citizens National Bank for a new IT system that is an easy to use, capable of doing some tracking activities, and store the interactions between relationship bankers and their customers and doesnt interfere with those interactions and diminish the relationship bankers rapport with customers. QuickBase was designed for organizing, tracking, and sharing information among team members in the workplace while encouraging progress by notifying workers via automated e-mails of updated files, new task assignments, and approaching deadlines. Because QuickBase was not programmed as a specific business application, businesses could modify its database structure to meet specific business functions. (Lauden, 2010) One reason some small and medium-size companies, as well as groups within larger ones, are adopting QuickBase is its flexibility. Intended not just for customer management, QuickBase-which is actually more of an easily modified database than a full-fledged business application-can be harnessed for other business tasks. For example, Procter Gamble uses the system to track technology projects. Because its easy to use, runs online via any browser and doesnt require an I.T. professional to set up, the hosted application is finding its way into all kinds of businesses. (Bartholomew, 2007) There are many factors suggest that the bank ended up with the right approach and the right choice of product, some of these factors are: The Citizens National staffs were able to make changes to QuickBase themselves, so the costs of ownership and maintenance fees were much lower. QuickBase offered Citizens National flexibility that it did not have previously. Because the system was Web-based, the relationship bankers were able to use it anywhere that they had access to a browser. Relationship bankers and management received daily updated access to all interactions and transactions, enabling them to track business in a way that was never possible previously. For the first time, Citizens National was able to completely track sales opportunities and, as Singleton said, where we lost business, so we know where we need to make those extra 10 or 15 sales calls. Also central to the success of QuickBase at Citizens National was Furneys ability to integrate the system with the Kirchman core banking application. Furney configured QuickBase to upload new account information to the core system every night via an XML interface. For example, a banking representative can click on a commercial customers file and immediate see all the contacts that have been made with that customer by bank staff, any actions that were taken on the customers behalf, and the end result. Citizens National bank representatives use it to check on customers to see if there has been a follow-up call to a contact, whether a voice-mail message was left with the customer, who the salesperson was and the status of the contact. Its been an invaluable tool for us to keep track of our customers, Singleton adds. (Bartholomew, 2007) A Complete CRM package is Not for Everyone Industry experts cite failure rates for CRM rollouts of up to 70 percent. Thats a disastrously high figure for initiatives that typically cost hundreds of thousandsor even millionsof dollars. For smaller businesses or for departments within large companies, even successful implementation at that cost is out of the question. Anecdotally theres a fairly high failure rate attributed to CRM implementations, says Jocelyn Young, program manager for CRM services for IDC. (Desmond, 2010) Customer relationship management systems have been hailed as a way for companies to find, influence, and retain customers. Packages from companies like Onyx, Pivotal, and Siebel go far beyond simple contact and sales managementthey link sales, marketing, and customer support operations into a single, cohesive chain. But the complexity of CRM systems can turn deployments into expensive, time-consuming mistakes. Many companies need low-cost, easy-to-implement CRM software. Fortunately, affordable packages have finally matured. (Desmond, 2010) Figure CRM Systems All for one, one for all: CRM deployments can be expensive because they touch nearly every part of a business. By driving everything from marketing campaigns to call center operations to inventory management through a single knowledge base, companies are able to fine-tune customer interactions at every point of contact. Source: http://pcworld.about.com Jerry Norman, president of Market Answers, a CRM consultancy in Austin, Texas, says the broad definition of CRM is part of the problem. If you ask 100 people on the street what CRM is, you are going to get 100 answers. The executives know that they need CRM, but they dont know what they are getting. (Desmond, 2010) One way to sidestep the issue, says Norman, is to narrow the focus of the CRM effort. Lower-cost CRM products such as Microsoft BCentral Customer Manager, SalesForce.com, and SalesLogix provide common CRM features like lead generation and management, deal tracking, and customer support management. These packages can be installed on a companys servers or hosted by an application service provider. But while a Siebel deployment can cost several hundred thousand dollars, a package like SalesLogix can be had for less than $50,000 for 20 usersa relative pittance by CRM standards. (Desmond, 2010) So I believe that, organizations that would benefit from using Siebel CRM package are the large corporations which use it to connect multiple departments inside the firm like sales, marketing, and customer support operations which will link them into a single, cohesive chain. Example for such organizations is Verizon Wireless, we will examine in the next section of this case study how Siebel CRM helped Verizon to achieve its business objectives and gets a competitive advantage. This case study is taken from www.Oracle.com Verizon Business Delivers New Sales and Support Tools and Improves System Performance by 35% Verizon Business Basking Ridge, NJ www.verizonbusiness.com Verizon Business, a unit of Verizon Communications, is a global leader in communications and IT solutions. With one of the worlds most connected internet protocol networks, Verizon Business delivers communications, IT, security, and network solutions to many of the largest businesses and governments. Industry: Annual Revenue: Communications US$93.5 billion Employees: 32,000 Our work with Accenture to upgrade our Oracle systems has improved system performance significantly. In a recent survey, 84% of users said performance was faster or much faster. Plus, our sales and support staff have new tools to improve productivity and customer service, which ultimately drives customer retention and revenue. Rob Moore, Director Verizon Business Challenges Empower sales and support staff with new tools to provide end users with a better experience, supporting customer retention, which is vital in todays competitive communications industry React to market demands and growing competition from new and traditional players in the market with more flexible pricing Improve system performance and lower maintenance costs Strengthen reporting and enable what if scenario testing Solution Worked with Accenture to upgrade to Oracles Siebel CRM 8.0 and Oracle Business Intelligence Enterprise Edition, taking advantage of evolving technology to support a range of customer-facing communications industry business processes Gained new sales and support tools-for tasks ranging from quoting to contact management-to help 15,000 users better serve 250,000 large and midsize business customers Improved pricing flexibility with new, dynamic pricing features that allow the company to introduce new pricing or customer retention offers on demand, instead of requiring code changes and a separate release, which previously took several months Provided sales and support staff with a new, easy-to-use interface that supports best practices and improves productivity Expanded reporting functionality to drive greater visibility Upgraded hardware and middleware and enabled a service-oriented architecture (SOA) to extend integration across the enterprise and further consolidate systems Lowered support costs and positioned the company for long-term cost savings by reducing customizations Improved system performance by 35% and accelerated processes by up to 12 hours-vital for a system that processes about 120 quotes, 104 contracts, and 340 opportunities daily Improved user satisfaction, with 84% noting faster performance Completed the upgrade within a short, eight-month timeline Could Citizens National have made a better choice? I think everyone would agree with me that Citizens National Bank could have made a better choice from the beginning if its management followed the required rules and procedures of building a new information system. Citizens National Bank could have made a better choice if its CEO Singleton analyzed the size and scope of the needed system and tried to find answers for the following questions: What system will provide us with a genuine business benefits? How can the firm adjust to the changes introduced by the new system solution? What alternative approaches are available for the needed system solution? In the information system world, building a new information system in order to alleviate an existing problem in the business operations requires a deep system analysis. Before a problem can be solved, it first must be properly defined. Members of the organization must agree that a problem actually exists and that it is serious. The problem must be investigated so that it can be better understood. Next comes a period of devising alternative solutions, then one of evaluating each alternative and selecting the best solution. The final stage is one of implementing the solution, in which a detailed design for the solution is specified, translated into a physical system, tested, introduced to the organization, and further refined as it is used over time. (Lauden, 2010) Conclusion Transforming business processes into an automated information system and taking advantage of new opportunities available through the rapid development of information systems and technologies is never an easy task and should not be taken for granted. In order to achieve high results and gain the expected returns from the investment in new information system, organizations should follow the recommended procedures in building a new system from defining the system requirements, determining its scope, to choosing the best available solution that is capable of performing the required tasks without going through a series of complicated screens that lead to the frustration of end-users. The systems analysis lays out the most likely paths to follow given the nature of the problem. Some possible solutions do not require an information system solution but instead call for an adjustment in management, additional training, or refinement of existing organizational procedures. Some, however, do require modifications to the firms existing information systems or an entirely new information system. Sometimes the lack of a thorough system analysis and feasibility study make you get lost in the forest of a complete business application that fits only large corporations and that is exactly what happened to Citizen National Bank in its search for CRM system. While the approach of Citizens National toward nearly all business functions, from tracking customer leads to generating reports about them, was very basic, they chose Siebel CRM system that was simply too rich in features which employees found it to be too complicated. Citizen National Bank could have prevented the demise of five hundred thousand dollars in a learning lesson if they conducted a thorough system evaluation and selection process from the outset in which they would find that the required system was an easy to use system that doesnt exceed a thousand dollar in its implementation cost.

Americaa Role in Iraq Essay -- Argumentative Persuasive Essays

America'a Role in Iraq As Afghan opposition groups and U.S. armed forces continue their successes in the war against the Taliban and al Qaeda, the American debate has quickly turned to the question of where the fight against terrorism should go next. In numerous public statements, President Bush has talked about a wide-ranging campaign against global terrorism. He has not committed to military operations against any other countries or terrorist organizations, but he has made it clear that the broader struggle against terrorism will be a long-lasting effort that could include the use of military force in regions beyond Afghanistan. A strong case can be made that Iraq's leader, Saddam Hussein, is so threatening to his people, his neighbors, and U.S. interests that the United States should use military force, unilaterally if necessary, to overthrow him. Proponents of such an approach, however, often underestimate the costs and risks involved. Instead of mounting a U.S. attack on Iraq as part of the current campaign, the Bush administration should take advantage of its success in Afghanistan to pressure allies and regional players to isolate Saddam's regime and to reinforce deterrence in an unambiguous way. A new "Bush Doctrine" should announce that Baghdad's support for terrorist networks, transfer of weapons of mass destruction to terrorist groups or individuals who target the United States, or the harboring of such terrorists will be considered an act of war and lead immediately to an American military intervention to overthrow the regime. Targeting Iraq There are many potential targets for a possible post-Afghanistan phase of the war—Abu Sayyaf guerrilla bases in the Philippines, for example, as well as terrorist headquarters and training camps in Somalia, Syria, and Lebanon. But none is more consequential or more prominent in the current policy debate than Saddam Hussein's regime in Iraq. Numerous outside analysts and (more privately) some senior Bush administration officials are already making the case that the next phase in the war on terrorism should be an effort to overthrow the Iraqi regime—if necessary, with U.S. military force. On November 26, President Bush himself appeared to raise the ante on the Iraq debate, stating that Saddam would "find out" what was in store for him if he failed to heed international demands to allow inspector... ...ime that would crack down on Iraqi smuggling, focus sanctions more specifically on the Baghdad leadership and weapons of mass destruction capabilities, and make civilian goods available for easier import into Iraq. Meaningful searches for Iraq's WMD capabilities would also be desirable, but only if they would be more effective than those of the late 1990s. America's allies and the regional powers need to understand that if Iraq cannot be contained with sanctions and stronger nonproliferation efforts, Washington may ultimately have to use force to achieve that goal. The U.S. administration should make it clear to the rest of the world that it cares a lot more about the well-being and future of the Iraqi population than does Saddam Hussein, and it should hold out a vision of American support for a future Iraq under a different regime. Reinforced deterrence, more vigilant nonproliferation efforts, and smarter sanctions will not make the Persian Gulf region risk-free or immediately free the Iraqi people from a brutal dictatorship. But they will serve the core goal of helping to prevent future terrorist actions like those of September 11 at a reasonable military and strategic cost.

“Genocide is the deliberate killing of a large group of people, especially those of a particular ethnic group or nation.” (Genocide) Essay

Introduction â€Å"In 1994 Rwanda experienced the worst genocide in modern times. The Rwandan Genocide was a genocidal mass slaughter of the Tutsis by the Hutus that took place in 1994 in the East African state of Rwanda. It is considered the most organized genocide of the 20th century. Over the course of approximately 100 days (from the assassination of Juvenal Habyarimana and Cyprien Ntaryamira on April 6 through mid-July) over 500,000 people were killed, according to a Human Rights Watch estimate. Estimates of the death toll have ranged from 500,000–1,000,000, or as much as 20% of the country’s total population. It was the culmination of longstanding ethnic competition and tensions between the minority Tutsi, who had controlled power for centuries, and the majority Hutu peoples, who had come to power in the rebellion of 1959–62.† (â€Å"Rwandan Genocide†) History between the Hutu and Tutsi people â€Å"In 1990, the Rwandan Patriotic Front, a rebel group composed mostly of Tutsi refugees, invaded northern Rwanda from Uganda in an attempt to defeat the Hutu-led government. They began the Rwandan Civil War, fought between the Hutu regime, with support from Francophone Africa and France, and the Rwandan Patriotic Front, with support from Uganda. This exacerbated ethnic tensions in the country. In response, many Hutu gravitated toward the Hutu Power†(â€Å"Rwandan Genocide†), an ideology propounded by Hutu extremist, with the prompting of state-controlled and independent Rwandan media. â€Å"As an ideology, Hutu Power asserted that the Tutsi intended to enslave the Hutu and must be resisted at all costs. Continuing ethnic strife resulted in the rebels’ displacing large numbers of Hutu in the north, plus periodic localized Hutu killings of Tutsi in the south. International pressure on the Hutu-led government of Juvenal Habyarimana resulted in a cease-fire in 1993. He planned to implement the Arusha Peace Agreement.†(Rwandan Genocide) â€Å"The assassination of Habyarimana in April 1994 set off a violent reaction, during which Hutu groups conducted mass killings of Tutsis (and also pro-peace Hutus, who were portrayed as â€Å"traitors† and â€Å"collaborators†). This genocide had been planned by members of the Hutu power group known as the  Akazu ( Hutu extremist ) , many of whom occupied positions at top levels of the national government; the genocide was supported and coordinated by the national government as well as by local military and civil officials and mass media. Alongside the military, primary responsibility for the killings themselves rests with two Hutu militias that had been organized for this purpose by political parties: the Interahamwe and Impuzamugambi, although once the genocide was underway a great number of Hutu civilians took part in the murders. It was the end of the peace agreement. The Tutsi Rwandan Patriotic Front restarted their offensive, defeating the army and seizing control of the country.†(Rwandan Genocide) Overview of the Rwandan Genocide with International Response â€Å"After the Hutu presidents plane is gunned down on April 6. Hutu gunmen systematically start tracking down and killing moderate Hutu politicians and Tutsi leaders. The deputy to the U.S. ambassador in Rwanda tells Washington that the killings involve not just political murders, but genocide. The U.S. decides to evacuate all Americans. Canadian General Romeo Dallaire, head of the U.N. peacekeeping force in Rwanda, is told by headquarters not to intervene and to avoid armed conflict.† In the next few days, â€Å"evidence mounts of massacres targeting ordinary Tutsis. Front page stories newspaper stories cite reports of â€Å"tens of thousands† dead and â€Å"a pile of corpses six feet high† outside a main hospital. Gen. Dallaire requests a doubling of his force to 5,000. Nearly 3,300 Americans, French, Italians and Belgians are evacuated by troops sent in from their countries. On April 15th Belgium withdraws its troops from the U.N. force after ten Belgian soldiers are slain. Embarrassed to be withdrawing alone, Belgium asks the U.S. to support a full pullout. Secretary of State Christopher agrees and tells Madeleine Albright, America’s U.N. ambassador, to demand complete withdrawal. She is opposed, as are some African nations. She pushes for a compromise: a dramatic cutback that would leave a token force in place. April 16th, The New York Times reports the shooting and hacking to death of some 1000 men, women and children in a church where they sought refuge. Day 12, By this date, Human Rights Watch estimates the number of dead at 100,000 and calls on the U.N. Security Council to use the word â€Å"genocide.†Belgian troops leave Rwanda; Gen. Dallaire is down to a force of 2,100. He will soon lose communication lines to outlying areas and will have only a satellite link to the outside world. By April 25th,Gen. Dallaire is down to 450 ill-equipped troops from developing countries. He works to protect some 25,000 Rwandans who are at places guarded by U.N. forces. He still hopes the Security Council will change its mind and send him forces while there is still time.†(Ghosts of Rwanda) â€Å"On May 1st a Defense Department discussion paper, prepared for a meeting of officials having day-to-day responsibility on the crisis, is filled with cautions about the U.S. becoming committed to taking action. The word genocide is a concern. â€Å"Be careful. Legal at State was worried about this yesterday — Genocide finding could commit [the U.S.] to actually ‘do something.†(Ghosts of Rwanda) â€Å"Bureaucratic paralysis continues. Few African countries offer troops for the mission and the Pentagon and U.N. argue for two weeks over who will pay the costs of the APCs and who will pay for transporting them. It takes a full month before the U.S. begins sending the APCs to Africa. They don’t arrive until July. Seven weeks into the genocide, President Clinton gives speech that restates his policy that humanitarian action anywhere in the world would have to be in America’s national interest:†The end of the superpower standoff lifted the lid from a cauldron of long-simmering hatreds. Now the entire global terrain is bloody with such conflicts, from Rwanda to Georgia. Whether we get involved in any of the world’s ethnic conflicts in the end must depend on the cumulative weight of the American interests at stake.†(Ghosts of Rwanda) â€Å"Eleven weeks into the genocide, with still no sign of a U.N. deployment to Rwanda, the U.N. Security Council authorizes France to unilaterally intervene in southwest Rwanda. French forces create a safe area in territory controlled by the Rwanda Hutu government. But killings of Tutsis continue in the safe area.†(Ghosts of Rwanda) â€Å"By July 17th, Tutsi RPF forces have captured Kigali. The Hutu government flees to Zaire, followed by a tide of refugees. The French end their mission in Rwanda and are replaced by Ethiopian U.N. troops. The RPF sets up an interim government in Kigali. Although disease and more killings claim additional lives in the refugee camps, the genocide is over.†(Ghosts of Rwanda) Day 100 An estimated 800,000 Rwandans have been killed. The Aftermath â€Å"In anticipation of a Tutsi retaliation, approximately 2 million Hutus, participants in the genocide, and the bystanders, fled from Rwanda to Zaire (now called Congo), Burundi, Tanzania and Uganda. Thousands of them died in disease epidemics common to the squalor of refugee camps, such as cholera and dysentery. The United States staged the Operation Support Hope airlift from July to September 1994 to stabilize the situation in the camps.†(Rwandan Genocide) â€Å"The presence of 2 million refugees in eastern Zaire helped destabilize the already weak country, whose corrupt president, Mobutu Sese Seko, allowed Hutu extremists among the refugee population to operate with impunity. In October 1996, Mobutu’s continued support of the Hutu militants led to an uprising by the ethnic Tutsi Banyamulenge people in eastern Zaire (supported politically and militarily by Rwanda), which marked the beginning of the First Congo War, and led to a return of more than 600,000 Hutu refugees to Rwanda during the last two weeks of November. This massive repatriation was followed at the end of December by the return of 500,000 more from Tanzania after they were ejected by the Tanzanian government. Various successor organizations to the Hutu militants operated in eastern DR Congo until May 22, 2009.†(Rwandan Genocide) â€Å"Mobutu was overthrown in May 1997, and Zaire’s new leader, Laurent Kabila, renamed the country the Democratic Republic of Congo. Kabila’s relationship with his Rwandan allies quickly turned sour, and in August 1998 Tutsi rebel forces, supported by Rwanda and Uganda, launched another rebellion. This led to the Second Congo War, killing 5 million people from 1998 to 2004. Rwanda today has two public holidays commemorating the incident, with Genocide Memorial Day on April 7 marking the start, and Liberation Day on July 4 marking the end. The week following April 7 is designated an official week of mourning. One global impact of the Rwandan Genocide is that it served as impetus to the creation of the International Criminal Court, so that ad hoc tribunals would not need to be created for future incidents of genocide, crimes against humanity, and war crimes.†(Rwandan Genocide) Works Cited 1.) â€Å"Rwandan Genocide.† Wikipedia. N.p., 20 Apr 2013. Web. 4 Sep 2013. . 2.) â€Å"Genocide.† New Oxford American Dictionary. 2008. 3.) â€Å"Ghosts of Rwanda.† Frontine. PBS.org: PBS, Chapel Hill, 04 Apr 2004. Web. 10 Sep 2013. . .

History and Geography of Turkey

History and Geography of Turkey Population: 77,804,122 (July 2010 estimate) Capital: Ankara Bordering Countries: Armenia, Azerbaijan, Bulgaria, Georgia, Greece, Iran, Iraq, and Syria Land Area: 302,535 square miles (783,562 sq km) Coastline: 4,474 miles (7,200 km) Highest Point: Mount Ararat at 16,949 feet (5,166 m) Turkey officially called the Republic of Turkey, is located in Southeastern Europe and Southwestern Asia along the Black, Aegean and Mediterranean Seas. It is bordered by eight countries and also has a large economy and army. As such, Turkey is considered a rising regional and world power and negotiations for it to join the European Union began in 2005. History Turkey is known as having a long history with ancient cultural practices. In fact, the Anatolian peninsula (on which most of modern Turkey sits), is considered one of the oldest inhabited areas in the world. Around 1200 B.C.E, the Anatolian coast was settled by various Greek peoples and the important cities of Miletus, Ephesus, Smyrna, and Byzantium (which later became Istanbul) were founded. Byzantium later became the capital of the Roman and Byzantine Empires. The modern history of Turkey began in the early 20th century after Mustafa Kemal (later known as Ataturk) pushed for the founding of the Republic of Turkey in 1923 after the collapse of the Ottoman Empire and a war for independence. According to the U.S. Department of State, the Ottoman Empire lasted for 600 years but collapsed during World War I after it participated in the war as an ally of Germany and it became fragmented after the formation of nationalist groups. After it became a republic, Turkish leaders began working to modernize the area and bring together the various fragments that had formed during the war. Ataturk pushed for various, political, social and economic reforms from 1924 to 1934. In 1960 a military coup took place and many of these reforms ended, which still cause debates in Turkey today. On February 23, 1945, Turkey joined World War II as a member of the Allies and shortly thereafter became a charter member of the United Nations. In 1947 the United States declared the Truman Doctrine after the Soviet Union demanded that they be able to set up military bases in the Turkish Straits after communist rebellions began in Greece. The Truman Doctrine began a period of U.S. military and economic aid for both Turkey and Greece. In 1952, Turkey joined the North Atlantic Treaty Organization (NATO) and in 1974 it invaded the Republic of Cyprus which led to the formation of the Turkish Republic of Northern Cyprus. Only Turkey recognizes this republic. In 1984, after the beginning of governmental transitions, the Kurdistan Workers Party (PKK), considered a terrorist group in Turkey by several international organizations, began acting against Turkeys government and led to the deaths of thousands of people. The group continues to act in Turkey today. Since the late 1980s however, Turkey has seen an improvement in its economy and political stability. It is also on track to joining the European Union and it is growing as a powerful country. Government Today the government of Turkey is considered a republican parliamentary democracy. It has an executive branch that is made up a chief of state and a head of government (these positions are filled by the president and prime minister, respectively) and a legislative branch that consists of the unicameral Grand National Assembly of Turkey. Turkey also has a judicial branch which is comprised of the Constitutional Court, High Court of Appeals, Council of State, Court of Accounts, Military High Court of Appeals and the Military High Administrative Court. Turkey is divided into 81 provinces. Economics and Land Use Turkeys economy is currently growing and it is a large mix of modern industry and traditional agriculture. According to the CIA World Factbook, agriculture consists of about 30% of the countrys employment. The main agricultural products from Turkey are tobacco, cotton, grain, olives, sugar beets, hazelnuts, pulse, citrus, and livestock. Turkeys main industries are textiles, food processing, autos, electronics, mining, steel, petroleum, construction, lumber, and paper. Mining in Turkey consists mainly of coal, chromate, copper, and boron. Geography and Climate Turkey is located on the Black, Aegean and Mediterranean Seas. The Turkish Straits (which are made up of the Sea of Marmara, the Strait of Bosphorus and the Dardanelles) form the boundary between Europe and Asia. As a result, Turkey is considered to be in both Southeastern Europe and Southwestern Asia. The country has a varied topography that is made up of a high central plateau, a narrow coastal plain and several large mountain ranges. The highest point in Turkey is Mount Ararat which is a dormant volcano located on its eastern border. The elevation of Mount Ararat is 16,949 feet (5,166 m). The climate of Turkey is temperate and it has high, dry summers and mild, wet winters. The more inland one gets, however, the harsher the climate becomes. Turkeys capital, Ankara, is located inland and has an average August high temperature of 83ËšF (28ËšC) and January average low of 20ËšF (-6ËšC). References Central Intelligence Agency. (27 October 2010). CIA - The World Factbook - Turkey. Retrieved from: https://www.cia.gov/library/publications/the-world-factbook/geos/tu.html Infoplease.com. (n.d.). Turkey: History, Geography, Government, and Culture- Infoplease.com. Retrieved from: infoplease.com/ipa/A0108054.html United States Department of State. (10 March 2010). Turkey. Retrieved from: state.gov/r/pa/ei/bgn/3432.htm Wikipedia.com. (31 October 2010). Turkey - Wikipedia, the Free Encyclopedia. Retrieved from: http://en.wikipedia.org/wiki/Turkey

Dancing Ghost Halloween Science Magic Trick

Dancing Ghost Halloween Science Magic Trick This Halloween, make a paper ghost dance in the air, as if by magic! This is a simple and educational holiday science project. Dancing Ghost Materials Light-weight paper works best for this project, such as tissue paper, paper towels, toilet paper or printer paper. paperscissorsballoon Make the Ghost Dance! Cut a ghost shape out of the paper. If you cant cut out a ghost or draw one freehand, search Google images for paper ghost cut-out and print a pattern.Blow up the balloon and tie it off.Rub the balloon on dry hair.Slowly edge the balloon toward the paper ghost. You can make the ghost move in response to the balloon and even make it dance in the air. How It Works When you rub a balloon on your hair, some of the electrons from your hair move over to the balloon, producing a charge of static electricity. The electrons have a negative charge. They are attracted to objects that have a positive electrical charge, like paper. Even though static electricity is invisible, it is powerful enough to draw the paper toward it. When the paper and balloon come into contact, the charge is neutralized and the paper falls back down. More Projects More Halloween Science ProjectsScience Halloween Jack-o-LanternsBend Water With Static ElectricityWater Into Blood Science Trick

Fundraising for a charity Literature review Example | Topics and Well Written Essays - 1000 words

Fundraising for a charity - Literature review Example While reviewing a search in EBSCO Host turned up 297 results. Of the 297 results, 6 articles were used. The articles used cane from various different sources. All of the sources used are peer reviewed by a University Library. The articles gave an I depth explanation of popular theories and means of creating a successful charity. After narrowing the search from fundraising to charities, the search performed by EBSCO turned up 210 results. Of the 210 results found, 6 sources were used. The literature chosen to review was peer reviewed only. Many of the sources that were not used contained information that did not pertain to the topic. Other information that seemed to contain biased information was not used. I intended to only use information that strictly pertained to direct theories on fundraising for charities. The findings made for amazing research. The articles gave much insight as to how charities are able to host fundraisers and receive the money that is deeply needed. As described by Ben Goss 2005, Charities must be accountable in order form individuals to want to donate. A person willing to give to a charity wants to know that the charity is not a scam. This leads into another topic that was researched regarding whether or not the charity has positive reviews. An individual can go online and research the charity. The search is likely to find reviews by others whom have donated to the charity. As explained in the journal by Miller 2009, networking is the new way to raise money for charity. Networking allows for those giving donations to go on the charities web page to donate, volunteer and see the charity in action. Seeing accomplishments that the charity has completed is important and a means of proof that the charity is an accountable charity. Accountability can also be discovered by the age of the charity. Most charities are may struggle when first starting out. Many making donations are giving large portions of money and