Tuesday, August 25, 2020

Adapting Technology to Global Warming Professor Ramos Blog

Adjusting Technology to Global Warming Most normal misguided judgment with respect to a worldwide temperature alteration and environmental change is the normalized between these two thoughts. A dangerous atmospheric devation alludes to the drawn out expanding pattern in the normal worldwide temperature. Atmosphere change then again is the impact of different marvels, for example, worldwide warming to the worldwide atmosphere. It is better pictured as the â€Å"side effects† of warming like heavier tropical storms and tempests, liquefying of ice sheets, and more and visit dry seasons. It tends to be said that an Earth-wide temperature boost is an aftereffect of human-caused environmental change. Red bars show worldwide normal (land and ocean) temperatures over the drawn out normal, and blue bars demonstrate temperatures beneath the drawn out normal. The dark line shows the centralization of CO2 in the environment. A worldwide temperature alteration is only a fundamental worry to a more serious issue. With different environmental change wonder as of late happening, alleviating arrangements ought to be actualized, another best approach is likewise by adjusting the innovation to use these different changes. Most acclaimed promulgation that handles answers for an Earth-wide temperature boost is the Green New Deal (GND). GND is a recommendation that contains a rundown of thoughts and eco-supporting stages that plans to change the status of US government in wording so manageability. Agreeing to Vinjamuri, this plan turned into a far reaching worry for most 2020 contenders for political race. Their differing stand with respect to this proposition is being assessed by the network. GND has quite recently as of late being resuscitated by Congresswoman Alexandria Ocasio-Cortex of Bronx. Congresswoman Alexandria Ocasio-Cortez tends to the Green New Deal in a group at the yearly Womens March on 19 January 2019. The proposition depicted in GND has arranged certain issues and conceivable activities toward them. This venture was assessed to cost around $1 trillion. As examined in the GND proposition, recommended advancements can be connected to inexhaustible vitality, keen lattice, vitality productivity, transportation, low-tech arrangements, bovines furthermore, environmental change, ensured occupations, work laws, open possession, giving advanced education, worker's guilds, economic agreements, indigenous individuals, social insurance, lodging, security, clean air and water, and solid food and nature (Sierra Club). One of the fundamental objectives of this venture is to have a 100 percent spotless, sustainable, and no-emanation vitality hotspots for power flexibly in the United States in a range of 10 years. This philosophy is being addressed if this would be even conceivable. A great deal of speculations were at that point concentrated on vitality enterprises burning through many billions. The one that GND needs is the scale correlation with this exchanging. Alongside this point is the structure of vitality proficient developments and keen which reason is to have moderate power utilization. Making these sort of structures ang enhancing them to be green will without a doubt cost a fortune. In 2009, it was evaluated that retrofitting a structure would cost $4.5 billion while for a open task it would cost $3 billion. With surplus being developed plans, one perspective that will likewise be influenced is the activity enlistment. This involves a diverse pay for a family having a specific number of family unit. For instance, a family with one grown-up will be paid $11.41 while having two grown-ups will have $18.44. Furthermore, in the event that one grown-up is working, the compensation would be $26.39. With the ensured work made sure about, human services is one of the needs. The green new arrangement is an â€Å"imaginative project†. Despite the fact that its motivation so great and furthermore for the advancement of things to come, it will expend a ton of riches. It was evaluated by Congresswoman Alexandria Ocasio-Cortex, that charges in the United Sates ought to go as high as 70 percent to have the option to continue the spending plan for this proposition. IN the current circumstance, the top expense rate was 37 percent which was the aftereffect of Tax Cuts and Jobs Act of 2017. Assessment adding up to practically twofold of the current state would be a stone-in-the-pocket for the residents. This idea is profoundly undoable and thinking about that the issues talked about in GND are not by any means the only ones handled by the legislature. Appropriate apportioning of spending plan ought to be seen to have equivalent recognition on issues. Be that as it may, to have an improvement in regards to our activities towards manageability also, environmental change, ones network ought to force substantial principles and devote a tremendous measure of cash so as to accomplish it. An approach to acquire these proposed plan is to use the normally happening impetus to a worldwide temperature alteration, the sun. Most tasks or innovation today are concentrating on procuring inexhaustible vitality and changing over them to our day by day need as far as driving our homes and backing off the exercises in work. A few individuals are not yet mindful of the presence of an unnatural weather change and its belongings. It is and will enormously influence or upset the parity of the biological systems. Because of the unfavorable impacts of this marvels, arrangements ought to be conceived. As indicated by Shahzad, exchange vitality sources, for example, sun based, wind, hydro, geothermal, and biomass ought to be sought after. Finding and utilizing inexhaustible wellsprings of vitality is a substitute answer for the ever-expanding a worldwide temperature alteration impacts. Putting resources into vitality effectiveness and sustainable power source makes savvy marketing prudence in United States since it makes new openings in a wide scope of businesses, cultivate advancement and gives serious edge in worldwide market. Clean innovation is an effective one having a worldwide income of $900 billion out of 2007 furthermore, funding speculation of $8.5 billion out of 2008. Nanosolar and Solyndra which produces dainty film sun based cells are among the top American Companies which business have pulled in an immense cash (Union of Concerned Scientists). Chinese business has as of late growing their assembling of wind turbines and sun based cells because of approaches that require utilization of vitality proficient innovation and sustainable power source. They are hoping to create 155 percent of its power from sustainable assets by 2020. As per Hanley, sustainable power source is as a rule profoundly used for power giving the pattern in the figure beneath. By receiving solid approaches to advance this sort of clean innovation, one can convey monetary profits as vitality investment funds, new openings, developing ventures, furthermore, further open doors for advancement. Another open door is with using sun based vitality into cultivating. Sun based vitality can cut the costs for farm’s power and warming. Sun based warmth authorities can be utilized for drying of yields furthermore, heating up homes, animals structures, and nurseries. Sun based water radiators give boiling water cleaning pens and dairy tasks. Photovoltaics can control ranch tasks, particularly siphoning of water from groundwater and lightings. An case of development in the utilization of sun oriented photovoltaics in Asia and Africa is demonstrated as follows (Hanley). An Earth-wide temperature boost has consistently existed and still nonstop to execute perilous dangers to the general public. We ought to have the option to join our current innovation to have the option to receive to these adjustments in nature. Using our sustainable assets will sure reduce the unfavorable impacts yet that by itself will totally kill the issue. We ought to consistently play savvy in handling these sorts of circumstances. On the off chance that we would not have the option to give quick and solid arrangement, we should attempt to use in our preferred position the impacts of the a worldwide temperature alteration, for example, utilization of the sun. Works Refered to Hanley, Steve. Sunlight based Leads The Way As Renewables Grow Quicker Than Expected | CleanTechnica. 2017, https://cleantechnica.com/2017/10/05/sunlight based leads-way-renewables-develop quicker expected/. Sierra Club. What Is a Green New Deal? 2019, https://www.sierraclub.org/exchange/what-green-new-bargain. The Future of US Climate Politics | Chatham House. https://www.chathamhouse.org/master/remark/future-us-atmosphere politics?gclid=EAIaIQobChMIye3R99jb4gIVVwQqCh3b9wayEAAYASAAEgI-RfD_BwE. Gotten to 9 June 2019. Shahzad, Umair. A worldwide temperature alteration: Causes, Effects and Solutions.2015, https://www. researchgate .net/distribution/316691239_Global_Warming_Causes_Effects_and_Solutions Association of Concerned Scientists. Clean Technology.2010, https://www.ucsusa.org/locales/default /records/heritage/resources/reports/global_warming/ucs-certainty Clean-Tech-w-endnotes-2-10b.pdf Vanjamuri, L. The Fate of US Climate Politics | Chatham House. https://www.chathamhouse.org/master/remark/future-us-atmosphere politics?gclid=EAIaIQobChMIye3R99jb4gIVVwQqCh3b9wayEAAYASAAEgI-RfD_BwE. Gotten to 9 June 2019.

Saturday, August 22, 2020

Mini Case Assignment 1 free essay sample

CEG GSB 703 Mini Case Assignment #1 Adam Ohanesian Email: Adam. [emailprotected] edu Table of Contents I. Planned jobs of every one of the organizations and go-betweens. a. Financial speculators b. Venture Bank Underwriters c. Sell-Side Analysts d. Purchase Side Analysts and Portfolio Managers e. Bookkeeping Profession f. FASB II. Appropriately adjusted motivations g. Financial speculators h. Venture Bank Underwriters I. Sell-Side Analysts j. Purchase Side Analysts k. Portfolio Managers l. Changes III. Web Stock Market Bubble Responsibility m. My conclusion n. Financial speculators evidence . Venture Bank Underwriters evidence p. Sell-Side Analysts evidence q. Purchase Side Analysts verification IV. Costs r. Financial specialists s. Representatives t. Organizations 1. What is the expected job of every one of the establishments and delegates examined for the situation for the viable working of capital markets? The job of the financial speculator is to give money to organizations in th eir beginning times of advancement. They expect an extremely high pace of profit for their speculation which is finished by offering their stake to general society through an IPO or to another organization in an exchange. They screen great business thoughts and innovative groups from terrible ones. Additionally, they help organizations until they arrived at a point where they are prepared to confront the open markets after an IPO. The job of the speculation bank financier is to offer warning budgetary types of assistance, assist organizations with evaluating their contributions, endorse the offers, and acquaint them with speculators. The job of the sell-side examiner is to distribute investigate on open organizations, make purchase or sell suggestions on stocks, and work with the purchase side experts giving examination before the organization opens up to the world. The job of the purchase side examiner is to direct industry look into, speak with the organization supervisory group, make profit gauges, lead valuation examination, and rate organization stock costs as â€Å"buy† or â€Å"sell†. The job of the portfolio chief is to really oversee cash under proposals of the examiners. The job of the bookkeeping calling is to review the fiscal summaries of open organizations to check the exactness and ensure there is no extortion. They likewise give a conclusion articulation connected to the organizations open filings expressing on the off chance that they are fulfilled or unsatisfied. The FASB (Financial Accounting Standards Board) is a free administrative body in the United States who set up and improve norms of budgetary bookkeeping and revealing for the direction and instruction of general society, including backers, inspectors, and clients of money related data. 2. Are their motivating forces adjusted appropriately with their expected job? Whose motivations are most skewed? Investors primary type of remuneration is a huge portion of benefits which is ordinarily 20%. Likewise a low expense dependent on resources under administration. Venture bank guarantors are paid on a commission premise on the measure of cash the organization brings up in its contribution which is ordinarily 7%. The sell-side experts are halfway repaid dependent on the measure of exchanging expenses and speculation banking income the help the organizations produce through their examination. The purchase side examiners are repaid dependent on how well their stock proposals do. In conclusion, the portfolio chiefs are remunerated based by the exhibition of their assets comparative with a fitting seat mark return. I feel the financial speculators ought to get more than the run of the mill 20% as they are the ones providing the subsidizing for the organization. Without the help of the financial speculators the organization will be unable to grow appropriately or as they wish. Additionally the speculation bank guarantors could get somewhat more than 7% since they are the individuals who really compose the offers and present them to potential financial specialists. The two expert sorts and portfolio chiefs are adjusted appropriately I feel. 3. Who, on the off chance that anybody, was answerable for the Internet stock air pocket? As I would see it, there was not one gathering or individual liable for the Internet stock air pocket however a mix of gatherings mostly capable. Subsequent to perusing the case, I feel there are four gatherings capable and I will clarify. The financial speculators are halfway dependable in light of the fact that they were impacted by the market, intentionally putting resources into and carrying open organizations with suspect plans of action. Some even say the financial speculators brought organizations open too soon. The speculation bank guarantors are additionally incompletely capable in light of the fact that these banks should have specialists with profoundly respected counsel. So how might they pick such duds of organizations? The sell-side investigators had purchase evaluations on organizations that in the end had fallen drastically in cost. While the purchase side experts over esteemed organizations and put resources into them in any case. 4. What are the expenses of such a securities exchange bubble? As a future business proficient, what exercises do you draw from the air pocket? The expenses of the securities exchange bubble I left away with were speculators lost a great deal of cash on the off chance that they didn't sell the stock before the worth diminished. Workers lost positions as benefits diminished and organizations needed to down size. Likewise, organizations leaving business were an expense. As a future business proficient I attracted to know the estimation of what you are putting resources into. Make an informed, inquired about choice before making a move. At long last, don't over worth your business, be reasonable. Reference Material Sources Text book: Business Analysis Valuation Using Financial Statements, Palepu Healy, 2008, Thomson Sout-Western.

The A320 Is The First Launched Engineering Essay

The A320 Is The First Launched Engineering Essay In this task, I was chosen one common airplane which is A320-200. For the most part, the group of A320 comprises are A318, A319, A320 and A321. I might want to incline toward A320-200 as a result of the airplane is superior to different variations. This airplane was fabricated as business travelers fly aircraft via Airbus. The A320 is top rated airplane since propelled and got a great deal of request far and wide particularly from Europe and Asia. The airplane was planned a short body and limited contrasted with another variations. It likewise can suit up to 220 travelers which are comprises 150 seating in two class lodge and up to 180 seating in high thickness design for a minimal effort. The bit of leeway is this airplane utilized advanced fly-by-wire control frameworks. This framework utilized electronic interface to replaces the manual flight control. The substitution of the control frameworks are for secured airframe basic to acquire higher wellbeing, to diminish pilot outstandi ng burden and furthermore to make airplane dependability and perfection during flight. The A320 is the first propelled among the A320 family in March 1984. The main trip in 22 February 1987 and present via Air France in 28 March 1988. The A320 families ordinarily utilized advanced fly-by-wire control frameworks and control the airplane by joystick at side-stick for the most part on right hand side, in business airplane. Since the presentation A320 family, Airbus industry gets many request structure carriers in all out 5 323 airplane that have been conveyed before August 2012. The main quicker selling airplane on the planet had been recorded from 2005 to 2007. The advancement A320 via airbus enterprises can contend with most recent airplane, for example, Boeing 737, 717, 757 and McDonnell Douglas MD-80. The range A320-200 for the most part is around 3 300 nautical miles with 150 travelers ready. It is can suit up to 220 travelers and the limit of freight is about 37.41 m3. The airplane length and wingspan which are 37.57 m and 34.01 m. A320-200 offered with a most extreme departure weight (MTOW) of 73 500 kg, greatest landing weight of 64 500 kg, most extreme zero fuel weight of 61 000 kg and void working weight 42 100 kg. The two motors utilized are CFMI CFM56-5s or IAE V2500s and the push between 113 to 120 kN. The base voyage speed that the airplane can fly is around 811 km/h and the most extreme journey speed is 875 km/h. The most extreme limit of fuel that ready to suit is 53 699 kg. The more detail and execution of this airplane it appears in the table underneath. A320-200 Fuselage width: 3.96 m Fuselage tallness: 6 m Fuselage length: 37.57 m Lodge length: 27.51 m Lodge width: 3.7 m Lodge tallness: 2.13 m Void working 42 100 kg Max Zero Fuel 61 000 kg Max Takeoff Weight 73 500 kg Max Landing Weight 64 500 kg Max fuel limit 53 699 kg Typical voyage 811 km/h Max voyage 875 km/h Max roof 12 131 m Take off field length 2 158 m Landing field length 1 899 m Seating limit 180 Load limit 37.41 m3 Motors IAE V2500 arrangement or CFM International CFM56-5 arrangement Push 111-120 kN The detail of A320-200 Pre-flight Preflight is the primary stage before they can begin an excursion. There have a few methodology in air terminal before the airplane can departure. Preflight it otherwise called push back or taxi out. The airplane is driven in reverse away from the doors by pulls. Pull is vehicles that used to push the airplane. After the airplane get out from its entryway, at that point the airplane move to runway stream by runway. The developments of airplane through runway at moderate speed and they require leeway before the airplane make a development. In view of this task, I have picked one common airplane A320-200 and the goal of departure from birthplace Kuala Lumpur International Airport to Jakarta Airport. Prior to flight, the limit of payload must be determined. The following is the estimation most extreme payload that the A320-200 can convey. Max Takeoff Weight (MTOW) : 73 500 kg Max Landing Weight (MLW) : 64 500 kg Max Zero Fuel Weight (MZFW) : 61 000 kg Dry Operating Weight : 42 100 kg Flight separation : 1 144 km Mean speed : 811 km/h Fuel stream : 2 600 kg/h Save fuel : 13425 kg The figuring of most extreme payload that the airplane can convey Flight time : : Flight fuel : : Payload during departure : : Payload during landing : : Payload of MZFW : : As the airplane can work securely, the most minimal all out payload dependent on that estimation is picked. Along these lines, the most extreme payload that the airplane can convey is 8 975 kg. Take-off After determined of most extreme payload that the airplane can conveyed, the airplane will continue to departure. At the point when the pilot prepared to departure and endorsed freedom via Air Traffic Control, the airplane may proceed with activity by discharge the airplane brake, forward the choke and increment marginally. The A320-200 required departure separation is around 2 158 m. The lift made in light of development of air through the streamlined wings will create contrast pressure which the weights beneath the wing get high weight than over the wings. At the point when the airplane arrived at departure speed inside 180 mph and the higher weight at underneath both of wings got, at that point the lift produce will cause the airplane can fly (otherwise called Vr). The airplane fly until arrive at starting trip separation 35 feet. There are loads of components that can be impact on departure execution. Central point is airplane weight. The heaviness of the airplane will impact on departure separation and the departure speed. Due to heavier weight, the airplane require more lift power to attaint fly by speeding up to deliver high weight at the two wings. The constraint is set to guarantee the airplane isn't overweight to work securely. Prior to flight, ensure that the heaviness of airplane no surpasses the most extreme departure weight (MTOW). In view of the data of the airplane, the architect previously set the greatest departure weight is 73 500 kg. Temperature can be influenced departure execution. This is on the grounds that the proficiency of motors it is relies upon air temperature at encompassing. The high temperature can cause lower push produced by a motor. This happen on the grounds that the aggregates drag it is all the more almost of the absolute push. Thus, the airplane need longer departure separation to attaint higher speed. At the beginning air terminal, the temperature encompassing is about 30oC. That temperature isn't excessively high so airplane can departure with ordinary separation and speed. Fold setting additionally can be impact on departure execution. Due to fold setting offer impact to streamlined drag. Typically, a large portion of common airplane set the fold is around 10 to 15 degree during departure. The utilized of fold can decrease departure separation however increment in fold setting because of increment in drag. Increment in drag will diminish the edge of climb. So the airplane need longer time to arrive at the level height. Also, expanding departure separation will happen if the airframe polluted by ice, ice or snow during departure and diminish departure execution. Climb Climb is after departure stage. Climb is an activity of airplane increment the elevation until reach cruising level. Typically, business airplane departs the ground with pace of climb 257km/h and at 15 degrees edges of climb. To guarantee the airplane move with the briefest separation and time, the edge of climb and pace of climb must be figure before flight. This is essential to know the point and pace of move to guarantee the airplane very keep up lift until reach cruising height with proper time and separation. The trip slope is the proportion of stature picked up to the level separation went via airplane. It is rely upon fluctuate pushed, drag and mass of airplane. To guarantee the airplane climb, the all out push must be more prominent than aggregate of drag. That is mean the airplane can fly if the abundance push produce. The following is the figuring of climb angle that I had been made in this airplane. The push, drag and weight of airplane are 49400 lb, 34580 lb and 162040 lb. Recipe for climb slope is (push drag)/weight Climb slope: (49400-34580)/162040 : 0.091 The edge of climb is the edge between statures picked up to the level separation went via airplane during climb. The following is the count for edge of climb. The equation of point of climb Point of climb: = sin-1 (push drag/weight) = sin-1 (49400-34580)/162040) = 5.22 The pace of climb is the vertical segment of the speed, communicated in feet every moment. It relies upon the velocity (V) and the edge of climb or climb angle. The pace of climb is critical to guarantee airplane reach cruising height in the most brief time. The following is the figuring for pace of climb. The data is same with the estimation in above and the speed of the airplane is 438 bunches. The equation in this computation is V x (Thrust Drag)/Weight. Pace of climb: ROC = V (push drag/weight) ROC = 438 (49400-34580)/162040) ROC = 39.86 Voyage Voyage is where the airplane go through the trip stage and closures when the airplane plunge for landing is started. Voyage additionally characterize where the flight venture are among climb and plummet stage. Cruising height is decide by the pilot allude to flight arranged and endorsed via airport regulation. After airplane came to cruising elevation, the pilot may diminish the ability to lessen fuel utilization and keep up the flight level. To keep up the flight level, the measure of lift is equivalent with the measure of weight. For the most part, the enormous airplane fly around 35 000 ft and can be fluctuate with the kinds of airplane, length of flight, climate conditions, air disturbance and the area of other airplane noticeable all around. The biggest rates of outing time and outing fuel are expended ordinarily in voyage stage. The measure of fuel consume and complete time can change by speed of airplane and height that pilot chose. There are three alternatives to recognize the best range journey, speed c

Friday, August 21, 2020

Mobile Phone and Technology free essay sample

Innovation In our day by day lives, innovation is being improved and built up each day, and has changed our general public hugely. Because of innovation improvement, we are furnished with a few data that we are interested about. Gadgets, for example, a GPS, mobile phones, PCs, and even a number cruncher makes our lives simpler. Correspondence is one favorable position of innovation in our general public. Mechanical advances have spared our lives and have profited our general public. It has brought removed places nearer and has made our reality a littler spot to live in. Innovation has changed our comprehension of the manner in which things work and changes the manner in which we interface with each other. Consistently, another gadget is being discharged or acquainted with us. At the point when we consider innovation, we consider PCs and electronic gadgets. In all actuality, innovation can be nearly anything. For instance, the wheel is a case of innovation and was one of the initial scarcely any innovation previously imagined. The wheel was designed and first found by Mesopotamians. These days, we have wheels on our vehicles, bikes, seats, and so forth it has made our lives simpler to move around. Another case of an innovation that has been created in cutting edge society is the main PC. In 1837 Charles Babbage proposed the principal general mechanical PC, the Analytical Engine. Today, the PC is utilized worldwide and is being created up till today. The PC has been improved a formed into a slim working machine and it gives us a few data. Organizations that assemble these sorts of innovations need to improve them and increasingly productive and they continue discharging new gadgets that are littler and quicker. Everybody around the globe, as far as correspondence innovation, ses any sort of gadget to convey. One of the most significant impact and change of innovation is correspondence. An interminable number of individuals everywhere throughout the world use and advantage from current innovation Computers were created to accomplish the capacity of being versatile and coordinate correspondence simultaneously. Later on, workstations were designed. Rather than sitting ata work area, you can haul a PC around with you, and gain admittance to it through Wi-Fi. As far as web-based social networking, numerous people utilize a few destinations to speak with one another, for example, Facebook, Twitter, Myspace, Instagram, Gmail, and so on. This had helped numerous individuals in such manner as speaking with a family member or a cherished around any piece of the world, or finding the one for them. Because of the web and internet based life, it tends to be very advantageous. For example, state an understudy is missing from class, and he/she is missing schoolwork; he/she can basically aska colleague through an email or any online networking or their instructor through the PC or telephone. Without the utilization of correspondence through telephones, PCs, and workstations, the result would prompt numerous unsolved issues and obscure arrangements. We wouldnt complete business. The advancement of innovation has drastically changed society. Clinical innovation, alluding to gear, for example, MRI and CT Scanners, mammograms, and so forth , has improved the human life. Clinical innovation has expanded our future. furthermore, look at what has befallen them. Inspecting the issue of the patient, through the result of the aftereffect of the outputs or tests, the specialist or doctor can figure out what sort of treatment to give the patient to fix them. From medicines to evacuating a tumor, giving antibodies, distinguishing a sort of drug is all because of innovation. This has had an effect in everyones lives. For example, for the individuals who experience the ill effects of diabetes presently approach exceptionally precise blood glucose observing advances. This implies they can screen every day and control their condition significantly more successfully diminishing the danger of enduring the basic indications of diabetes, for example, visual deficiency and nerve harm. Innovation in the clinical field has permitted the capacity for people with a sickness, to have beneficial lives. Innovation has established an amazing connection with instruction. Everything from brilliant sheets to advanced mobile phones has changed training from tudents and teachers points of view. These instruments have upgraded correspondence, examine, proficiency, and so on. They sway the manner in which understudies learn. As understudies keep on depending upon innovation, they will ace these devices and how they work, expanding their capacity on training. Moreover, if an understudy is self-taught or needs coaching, an incredible method to move toward this, is through the web. The understudies can get coaching on the web from instructors. Another way innovation has made a shocking effect on training is doing research. An understudy may need to do a report or a ssay on a point he/she has never caught wind of nor has little information about; they can fundamentally go on the web and do examine on that theme. The web will furnish you with innumerable data. What's more, with PCs educators can screen an understudies progress or give them progressively singular assistance they need. These days, understudies dont need to heft around a gigantic substantial book around. All they need is a PC or a versatile gadget. They can discover all the books they requirement for their classes, rather than needing a few books piled up on one another. It sets aside you less cash and weight. As far as training, innovation has been demonstrated to assist understudies with arriving at their objectives and become fruitful in accomplishing their objectives. Mechanical advances can be a critical piece of life and can makes our lives unproblematic. Be that as it may, a few people probably won't think a similar way and probably won't consent to this announcement. Person to person communication can cause numerous issues. There have been numerous reports on digital harassing and it has prompted a few passings. For instance, a female can be talking toa male on the web, and she may think hes liberal, and she should meet him some place. Because of this case, she ould perhaps get assaulted, kidnapped, or slaughtered. The primary concern is that individuals can emulate or make a phony profile of themselves and spot somebody elses picture on the web and the other individual wouldnt know who it truly is. Numerous guardians dread when their youngster is web based conversing with somebody since they think about the other related stories that have happened to others. Something else, a sheltered arrangement is to just not converse with anybody on the web or ensure the individual you are truly conversing with. You can do this by attempting to video talk with them, however never attempt to get together with them. The ey is to be cautious and take alert of who you are conversing with. ducation, industry, medication, correspondence, transportation, and so on. In my point of view, innovation is an extraordinary thing throughout everyday life. It has helped me in a lot of ways. Because of medicine, while having this season's cold virus, and taking the anti-infection agents, it causes me to feel better and mor e beneficial. You can likewise get the antibody to keep the disorder from occurring. Moreover, correspondence likewise has profited me. I speak with relatives that I have from different nations, for example, Guyana. Having a PC , PC, or PDA, causes you speak with anybody around the globe and ssists you in keeping refreshed with them. Viewing the news each morning on the TV, keeps me and others refreshed with occasions that are happening around us, including refreshes about the climate so you k now what to wear before you step out the house. Other than correspondence, doing schoolwork and research comparable to training, the web assists with an extraordinary number of answers for issues and data. It benefits me in getting things completed all the more quickly and I gain more from the gadgets I use, making me further developed in my instruction. Innovation has helped me all through my day by day life. Innovation is being improved and built up each day, and has changed our general public enormously. Gigantic open doors it gives assume a critical job in practically all fields of human life. The gadgets that we use today, that were utilized before (around at least 20 years prior) are as yet being improved in a few different ways, for example, a PC, and above all, phones. Today, we have telephones and workstations that are a lot littler, more slender, and quicker. Correspondence is the main recipient in our general public and has helped us become acquainted with one another way better and made our reality a littler spot to live in. Medication has made everyones future longer. Quite a while back, the future would be roughly 30-50 years old. These days, individuals live from 60 to right around 90-100 years old. In addition, innovation has advanced and helped numerous understudies in training regarding getting the correct data and increasing more information on what they need to realize. Technologys design is to make undertakings more straightforward for people to perform. In 2013, we need innovation to assist us with making an answer for our issues and it has certainly made our day by day carries on significantly progressively unassuming and clear.

Friday, August 7, 2020

Un Sejour En Ayiti Lessons Learned from the Capstone Experience COLUMBIA UNIVERSITY - SIPA Admissions Blog

Un Sejour En Ayiti Lessons Learned from the Capstone Experience COLUMBIA UNIVERSITY - SIPA Admissions Blog Last week many of our students presented their Capstone projects to their advisers, clients and peers.   One of our 2nd Yr MPA- Development Practice and resident Admissions Program Assistant, Molly Powers shares her capstone experience I was elated last fall when I was selected to be one of nine people on a capstone project, poised to investigate land tenure issues and resolution strategies in the southern coast of Haiti with the United Nations Environment Programme (UNEP) and the Côte Sud Initiative (CSI). Now midway through the project and having just returned from our fieldwork trip to Haiti over spring break, I can give a little more insight to the capstone process from our perspective. SIPA students don’t write a disseration or masters thesis to graduate- instead they participate in capstone projects or workshops. The capstone can make or break your second year spring. On the one hand, it can be a great opportunity to get hands-on experience working for a client on a real world setting, creating connections for future job opportunities and résumé-building skills. On the other, it also can eat up your time, as you feel you are working a full-time job on top of your other classes and commitments. And while some clients may be extremely demanding, others may be frustratingly absent, requiring a lot more guesswork on the part of the student group. For better or worse, catering to all sorts of clients provides important real-world skills. Some capstone projects include domestic or international travel funded by the clients, while others can be done comfortably here in New York.   The EPD Capstone Workshops more reliably require travel outside the US, but this year more than 30 capstone project students traveled to South Sudan, Uganda, and Haiti among other places. As an MPA in Development Practice student, a capstone project is not a graduation requirement for me as it is for most other SIPA concentrations. The MPA-DP equivalent to a capstone is the summer field placement, where students spend three months in the field, working with a selected organizations on targeted development projects. I so enjoyed my fieldwork in Uganda, however, that I was eager for more opportunities to tackle real world problems. Our project aims to investigate the frequency, intensity, and reasons for land tenure conflict in Southern Haiti, examine what formal and informal institutions exist to address those conflicts, and understand what means individuals in rural communities actually use to resolve those conflicts. We also want to better understand what barriers may exist that prevent people accessing certain services, so that in our final report, we can recommend possible strategies for removing those barriers. This region is plagued by severe erosion caused by deforestation and annual hurricanes. While CSI is promoting agricultural improvements and tree-planting, they also want people understand people’s incentives for or against investing in land. Hence the land tenure investigation. While I was initally concerned that nine people might be too many to work efficiently, we discovered that the amount of work we had to do to prepare for our week of travel and surveying over spring break was easier to tackle in pieces. We were able to divide and conquer the tasks of literature review, communicating with our client, seeking advice from academics around the country, working with our client in Haiti to organize field logistics, creation of a survey and analysis framework, budgeting, and applying for external funding. Indeed, with only 10 days, as 8 people traveling in Haiti we were able to maximize our learning curve. Four members of our team focused on legal issues at the regional and national scale, carrying out interviews with land tenure experts, lawyers, notaries, judges, and surveyors in the southern city of Les Cayes and with NGOs and government organizations in Port-au-Prince. My four-person team focused on knowledge at the grassroots level, conducting interviews and focus groups with rural notaries, surveyors, justices, womens groups, farmers cooperatives, community leaders, and religious leaders in the villages of Port-à-Piment, Les Anglais, Tiberon, Chardonniers, and Coteaux. We stayed in dormitories, hotels, and at the CSI guest house, and worked with two agro-forestry students from the American University of the Caribbean in Les Cayes. They were critical members of the team, helping us to set up meetings and translate interviews, and we were able to present our initial findings to a group of over 150 students at their school at the end of the week. We spent our days traveling and interviewing and our evenings translating and processing information into categories. The fact that we continued to enjoy eachother’s company after 10 days straight together is a testament to how great SIPA students are! A big challenge for me was language. Reviving my rusty french took some effort, and giving presentations in another language was particularly difficult. It was also clear how important knowledge of the local creole would be if one were working on the ground in Haiti- the best stories we learned were those told in creole, recordings of which the AUC students helped us to translate in the evenings. In one such telling story we heard during the week, a woman in Les Anglais sold her land rights to somone from another village in exchange for a sack of flour. She then proceeded to go up to the land and chop down all the trees on it, since they no longer belonged to her and she could make money from the charcoal from the wood. The sad reality in these communities is that the immediate promise of financial benefit often outweighs the uncertain gains from future investment (for economists out there, you know I’m talking about discount rates). We hope that the report we produce and present in late April will help shed light on some of these issues, and to help CSI as they move forward with their development work in the region.

Monday, June 29, 2020

5 Ways to Judge Your 529 Plans Performance

You expect excellent investment results from your 529 plan, but how do you really know? Assessing the performance of a 529 plan can be difficult, and is made especially challenging by the plethora of investment options in the 80+ programs and the frequent changes made by plan administrators. To help you, we have come up with five different approaches you can use to judge your 529 plan's investment performance: 1. Compare your 529 to your retirement account. Granted, you probably have different investment objectives when you are talking college versus retirement, but since the money is all yours in either case, comparing the performance of your 529 account to the performance of your IRA or 401(k) can be a useful exercise. There are two ways to go about this: (1) compare the growth of your accounts over the same time period, adjusting for contributions going in and distributions coming out, or (2) compare the investment performance figures published by the administrators of your 529 plan and your IRA/401(k). Be sure that the performance figures are shown net of all account management and administrative fees. You may be surprised to find that your 529 account is outperforming your retirement account, in which case you may wish to consider making changes to your retirement investments. 2. Compare your 529 to similar investment options in other 529 plans. Depending on which particular 529 plan you are using, you may find one or more other 529 plans using the same fund manager, and in most of those cases, a similar menu of investment options. For example, a large number of 529 plans use Vanguard funds as underlying investments. If your current 529 account is invested in Vanguard funds, you can easily locate other 529 plans using Vanguard funds and compare their performance. The difference in performance is often due to differences in plan fees, which is important information for you to know. Alternatively, you can compare the performance of your current 529 plan to other 529 plans that might use different investment managers but employ similar strategies and asset allocations. For example, if you are currently using your 529 plan's "age-based" investment option, and your child is 10 years old, examine the performance of the age-based option in other 529 plans for beneficiaries who are 10 years old. The results of your analysis will reflect not only differences in performance of the underlying funds along with fee levels, but also the plan manager's success in blending equities, fixed income, and money market investments for a 10-year old beneficiary. 3. Review your 529 plan's benchmarking results. The states will judge their own 529 investment performance by comparing each of their investment options to a hypothetical "benchmark" portfolio. The analysis will tell the state whether its 529 plan is beating its benchmarksï ¿ ½or lagging behindï ¿ ½and by how much. Some 529 plans will publish the benchmark performance along with actual performance on the plan's website, making the comparison available for everyone to see. Many states don't make it that easy. They may publish the benchmarking data in their "annual reports", or perhaps only in the minutes of their quarterly board meetings. If the benchmarking analysis for your 529 plan is not available on the plan's website, you should call the toll-free number and ask for it. If you are told the data is not available at all, you could send a complaint to your state treasurer. After all, it's your money. Realize, however, that the benchmarks used by one 529 plan are not going to be the same benchmarks used by a different 529 plan. This means that a head-to-head comparison of the plans' investment performance using the same benchmarks is usually not possible. 4. Open a Coverdell or UGMA/UTMA account. Do you think you could outperform your 529 plan if you were allowed to select all your own stocks, bonds, mutual funds, and exchange-traded funds? Well, go ahead and try. Take a modest amount of money and open a Coverdell education savings account or a Uniform Transfers to Minors Act (UTMA) account through a discount broker. (The UTMA will be nearly as tax-efficient as a 529 plan or Coverdell account as long as you keep it below the kiddie-tax radar.) Then simply do your own investment management. Over time you can compare results and determine if your self-managed college-savings account is performing better or worse than your 529 plan. Good luck, because you will probably need it. 5. View Savingforcollege.com's 529 performance rankings. For several years now, Savingforcollege.com has been producing 529 Plan Performance Rankings on a quarterly basis. We do this by comparing and ranking the published investment performance (1-year, 3-year, 5-year, and 10-year) of a selected number of investment options from each 529 savings plan. The investment options are chosen based primarily on their asset-allocation targets, with the goal of providing an apples-to-apples comparison of 529 plans. Our ranking algorithm is fairly complex but the results are easy to understand. We rank the direct-sold 529 plans separately from the advisor-sold 529 plans. For the most recent direct-sold rankings, click here. The rankings of advisor-sold 529 plans are available through our premium subscription and include all the performance details that go into producing the rankings. You expect excellent investment results from your 529 plan, but how do you really know? Assessing the performance of a 529 plan can be difficult, and is made especially challenging by the plethora of investment options in the 80+ programs and the frequent changes made by plan administrators. To help you, we have come up with five different approaches you can use to judge your 529 plan's investment performance: 1. Compare your 529 to your retirement account. Granted, you probably have different investment objectives when you are talking college versus retirement, but since the money is all yours in either case, comparing the performance of your 529 account to the performance of your IRA or 401(k) can be a useful exercise. There are two ways to go about this: (1) compare the growth of your accounts over the same time period, adjusting for contributions going in and distributions coming out, or (2) compare the investment performance figures published by the administrators of your 529 plan and your IRA/401(k). Be sure that the performance figures are shown net of all account management and administrative fees. You may be surprised to find that your 529 account is outperforming your retirement account, in which case you may wish to consider making changes to your retirement investments. 2. Compare your 529 to similar investment options in other 529 plans. Depending on which particular 529 plan you are using, you may find one or more other 529 plans using the same fund manager, and in most of those cases, a similar menu of investment options. For example, a large number of 529 plans use Vanguard funds as underlying investments. If your current 529 account is invested in Vanguard funds, you can easily locate other 529 plans using Vanguard funds and compare their performance. The difference in performance is often due to differences in plan fees, which is important information for you to know. Alternatively, you can compare the performance of your current 529 plan to other 529 plans that might use different investment managers but employ similar strategies and asset allocations. For example, if you are currently using your 529 plan's "age-based" investment option, and your child is 10 years old, examine the performance of the age-based option in other 529 plans for beneficiaries who are 10 years old. The results of your analysis will reflect not only differences in performance of the underlying funds along with fee levels, but also the plan manager's success in blending equities, fixed income, and money market investments for a 10-year old beneficiary. 3. Review your 529 plan's benchmarking results. The states will judge their own 529 investment performance by comparing each of their investment options to a hypothetical "benchmark" portfolio. The analysis will tell the state whether its 529 plan is beating its benchmarksï ¿ ½or lagging behindï ¿ ½and by how much. Some 529 plans will publish the benchmark performance along with actual performance on the plan's website, making the comparison available for everyone to see. Many states don't make it that easy. They may publish the benchmarking data in their "annual reports", or perhaps only in the minutes of their quarterly board meetings. If the benchmarking analysis for your 529 plan is not available on the plan's website, you should call the toll-free number and ask for it. If you are told the data is not available at all, you could send a complaint to your state treasurer. After all, it's your money. Realize, however, that the benchmarks used by one 529 plan are not going to be the same benchmarks used by a different 529 plan. This means that a head-to-head comparison of the plans' investment performance using the same benchmarks is usually not possible. 4. Open a Coverdell or UGMA/UTMA account. Do you think you could outperform your 529 plan if you were allowed to select all your own stocks, bonds, mutual funds, and exchange-traded funds? Well, go ahead and try. Take a modest amount of money and open a Coverdell education savings account or a Uniform Transfers to Minors Act (UTMA) account through a discount broker. (The UTMA will be nearly as tax-efficient as a 529 plan or Coverdell account as long as you keep it below the kiddie-tax radar.) Then simply do your own investment management. Over time you can compare results and determine if your self-managed college-savings account is performing better or worse than your 529 plan. Good luck, because you will probably need it. 5. View Savingforcollege.com's 529 performance rankings. For several years now, Savingforcollege.com has been producing 529 Plan Performance Rankings on a quarterly basis. We do this by comparing and ranking the published investment performance (1-year, 3-year, 5-year, and 10-year) of a selected number of investment options from each 529 savings plan. The investment options are chosen based primarily on their asset-allocation targets, with the goal of providing an apples-to-apples comparison of 529 plans. Our ranking algorithm is fairly complex but the results are easy to understand. We rank the direct-sold 529 plans separately from the advisor-sold 529 plans. For the most recent direct-sold rankings, click here. The rankings of advisor-sold 529 plans are available through our premium subscription and include all the performance details that go into producing the rankings.

Saturday, May 23, 2020

The Relationship Between Macbeth and Lady Macbeth in Act...

How is the theme of the influence of women on men explored in Act I, scene vii of Shakespeare’s Macbeth? An old proverb states that behind every successful man stands a strong woman. Surprisingly for a play set in the Middle Ages, like William Shakespeare’s Macbeth, this saying remains valid. The renowned tragedy chronicles the downfall of Macbeth, a distinguished warrior who yields to the corrupting force of his ambition for the Scottish throne. In his malevolent quest for power, he is accompanied, if not firmly guided, by his ruthless wife. Indeed, in Act I, scene vii Macbeth has almost renounced to murder of the king, but Lady Macbeth reinforces his determination to commit the regicide. Through her manipulative strategies in this†¦show more content†¦Lady Macbeth strengthens her mental prevalence over her husband by bolstering his self-confidence. One can easily trace how she casts doubts over Macbeth’s initial judgments, reassures him of the murder’s success, and redirects his confidence towards their malicious deed. In the soliloquy at the beginning of Scene vii, Macbeth presents several important reasons for not killing Duncan and ends with the resolute: â€Å"We will proceed no further in this business† (l. 31). Later, his strength of will diminishes significantly as suggested by his weak groan: â€Å"If we should fail?† (l. 59). Finally, his wife’s rhetoric has obliterated all the previous scruples: â€Å"I am settled† (l. 79). Indeed, these three quotations indicate the gradual but dramatic change in Macbeth’s values under Lady Macbeth’s influence. From a hesitant individual, wavering between loyalty and ambition, gratitude and desire, Macbeth has retained his self-confidence with his wife’s help. Moreover, the Thane of Cawdor has learned so much from his wife’s imperturbability that he participates actively in the scheming by suggesting using the guards’ daggers. The new confidence, with which Macbeth speaks about the plan, proves that Lady Macbeth’s metho ds of manipulation have achieved the desirable effect. By bringing composure and safety to her husband, she finally pushes him down theShow MoreRelatedJourney into Night by Eugene ONeill and Macbeth by William Shakespeare925 Words   |  4 Pagessounds and sights; gruesome acts and frightening ghosts like Macbeth? Or would you write about a seemingly normal family from the outside, where the unknown hides from behind common decisions and objects. First and foremost, Long Day Journey into night by Eugene Oneill and Macbeth by Shakespeare share a common theme with each other. The characters in both of these dramas lack communication with one another. Let’s examine Macbeth first. 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