Memo for Raising Awareness on Credit Scores among Interns

Introduction It has come to my attention that most of the interns hired by the bank have significant student loan debts and are struggling financially. These factors have resulted in low credit scores for most of you interns.Advertising We will write a custom essay sample on Memo for Raising Awareness on Credit Scores among Interns specifically for you for only $16.05 $11/page Learn More I have further on discovered that most of you are unaware of the implications of low credit scores to your future employment opportunities with this bank. I therefore wish to enlighten you on credit scores, their importance, and measures that you can take to raise your individual scores. What are Credit Scores? A credit score is a numeric number that represents your credit risk by summarizing your credit report and payment history. It is used by lenders to determine how likely you are to pay a loan when it is due. Credit scores are determined by a mathematical formula th at is used to forecast the probability that an individual will default on a loan or extension of credit. If you have a lower score, then you have a higher probability of defaulting. FICO scores are the gold standard when it comes to credit scores with 90% of the top banks in the US using these scores to determine the credit worthiness of an individual.Advertising Looking for essay on education? Let's see if we can help you! Get your first paper with 15% OFF Learn More According to FICO, credit scores range from 300-850 with a high credit score being considered good while a lower one is bad. Generally, credit scores that are below 600 are considered bad credit while 650 is an average credit. Good credits start at 700 with 850 being supreme and such ratings are of great importance. Importance of Credit Scores Influences your Employment Opportunities Many employers consider credit scores during the recruitment process. While most potential employees do not know this, an e mployer can legally obtain your credit report and this will often be used to determine whether to employ you on a permanent basis or not. Many employers see credit scores as a reflection of the individual’s personality. An individual who has poor scores is assumed to be a great risk since he is already unable to manage his credit. Poor credit scores are also seen as indicators of poor job performance, irresponsibility, and questionable integrity. Influences your Interest Rates The credit score also determines the insurance rates one has to pay in many instances. For example, auto insurance and life insurance rates are set in part based on your credit standing and your credit score. A person who has good credit will be offered a lower rate compared to one with poor credit who will be forced to pay higher premiums.Advertising We will write a custom essay sample on Memo for Raising Awareness on Credit Scores among Interns specifically for you for only $16.05 $11/p age Learn More Influences Borrowing Success Rates A person’s credit score will also influence his ability to borrow money from financial institutes. Specifically, a good rating score will be helpful when a person is trying to get a loan. Banks and other lenders are more willing to do business with people with high credit scores since such scores are an indication that they will recover at least the principal amount of their loan with little trouble. How to Raise your Credit Scores Obtain a credit score report Getting a credit score with a report will be very helpful in raising your scores. As such, the first step to managing your credit rating is to get your FICO credit score. This will help you to know your credit standing and assist you take measures to improve it if it is poor. If you do not know how to read these reports, you can contact me for further help. Learning how to interpret credit reports is an essential financial skill that you will use throughou t your life. Limit the number of credit cards you have Credit cards present the illusion that a person has free money to use. This is not the case and credit cards should be viewed as borrowed funds that can be costly if one does not manage them properly. Having a limited number of credit cards is therefore a good idea. Having two credit cards; one for regular purchases and one for emergencies, would be a good decision. You should then ensure that expenses remain within the card’s limits at all times. If the limit is reached, avoid the temptation to apply for an additional card. Applying for multiple credit cards over a short period of time will also lower your credit score.Advertising Looking for essay on education? Let's see if we can help you! Get your first paper with 15% OFF Learn More This is because lenders will perceive this as an attempt by the individual to spend more money than their current credit limits. Each new card will therefore have a negative impact on scores. Make use of a Budget Operating a monthly budget is a very important measure to help you control your credit debt. The budget will assist you to have a clear sense of exactly how much money you are earning and how much you are spending. It will therefore help you manage your cash flow and achieve your financial goals including paying off student loans. Pay your Bills on Time Develop the habit of paying your bills on time every month. You should pay off the balance for every credit card you own promptly and make your monthly loans repayments on time as well. This measure is of very great importance considering the fact that 30% of your credit score is based on timely payment of bills. In addition to this, timeliness of bill payments will save you from the late fees and additional interest charges imposed on those who make their payments late. Automate your finances Many people forget to handle some of their bills on time since they have too many obligations and therefore overlook some. Having an automatic bank payment that credits the bills each month can be very useful. You can also make use of programs that issue you with automatic reminders of bills that are due soon. Automation will ensure that your credit score is not reduced because of your own forgetfulness or disorganization. Make use of a Financial Planner While some people are capable of coming up with good financial management plans on their own, others are not. If you are overwhelmed by your financial obligations and unable to work out the best plan by yourself, you can make use of a financial planner. This professional will assess your financial situation and help you to implement a spending plan that will result in financial health. Conclusion It is important to remember that once a low credit score has been e stablished, increasing the score to a favorable level might take months or even years. It would therefore be more prudent to avoid establishing a bad credit score at the earliest time possible. This essay on Memo for Raising Awareness on Credit Scores among Interns was written and submitted by user Violet D. to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

The Great Gatsby Essays - The Great Gatsby, Literature, Free Essays

The Great Gatsby Essays - The Great Gatsby, Literature, Free Essays The Great Gatsby In today society, many people like to follow the current. They want to catch the wave. Which mean, it does not matter if things were good or bad, right or wrong, they just follow and do them without any thinking. Therefore, there are not too many people would like to be a normal, thoughtful nor neutral person. However, in the novel, The Great Gatsby, by Scott Fitzgerald, one of the character name is Nike Carroway, he was the good and neutral narrator. It was because, in the novel, he analyzed all of the things with regard to accuracy of observation. In The Great Gatsby, when Mr.Gatsby told Vick he wanted to return the past over again with his lover- Daisy, Nike Carroway warned him to give it up, because it was impossible. Unforturately, Mr.Gatsby was not believe it. So at the end, Mr.Gatsby's dream still had not came true because Daisy did not break up with Tom and go with him. It can be seen in the last chapter on the novel, when Gatsby was murder, Daisy went to somewhere else with her husband, and did not go to Gatsby's funeray. I called up Daisy half and hour after we found him, called her instinctively and without hersitation. But she and Tom had gone away early that afternoon, and taken baggage with them. Therefore, Nike Carroway's analysis was right by these clear observation. However, Nike Carroway is a good narrator, he sees everything happen and does not trust everybody easily. So during the people discuss about something at a time, he does not believe it is true. After he proves it, he will accept the truth. Moreover, when Nike went to Gatsby's party, there is a drunk lady telling everyone Gatsby killed a man before. Somebody told me they thought he killed a man once. Also, there is one more lady said that Gatsby was a German spy: It is more that he was a German spy during the war. Nike heard it, but when Nike had a chance to have a lunch with Gatsby, he told Nike, he was an Oxford man and show him that fought in World War One. Then Nike knew Gatsby was not a German Spy nor a murderer. Furthermore, at the end of the novel, when Daisy drove Gatsby's car and killed Mrs.Wilson in a car accident, Nike's first though Gatsby killed Mrs.Wilson. But after Gatsby told him all of the things at that moment, then Nike was thinking and discuss between Gatsby and Tom's speaking, and make his own conclusion. Therefore, Nike was a thoughtful man and his is not afraid to face anything around him. By these facts, he had a clear mind and reliable in his observations, so it can make people believe Nike Carroways was a neutral and clear mind narrator of this novel, because this can be seen in Nike's personality. In the novel, Nike was also a neutral narrator too becasue he is the narrator who described everything clearly and accurately. He was trustful because he described everything without any personal point of view; By the way, throughout the whole story, he didn't defenses for any characters nor put any of his self-feeling in it. That's why he is a character who strived for neutrality. On the other hand, when Mr.Gatsby tells Tom that Daisy will leave Tom because she loves Tom no more, it's full of fire's atomsphere and emotion. " I've got something to tell you, old sport- " began Gatsby. But Daisy guessed at his intention. " Please don't!" she interrupted helplessly." Please let's all go home. Why don't we all go home?" " That's a good idea." I got up. " Come on, Tom. Nobody wants a drink." " I want to know what Mr.Gatsby has to tell me." " Your wife doesn't love you," said Gatsby. "She's never loved you. She loves me." At that time, if Nike was not in a neutral position, he must help Gatsby or Tom. But, he did not join in the argument between Gatsby and Tom. He just put himself in a corner, keeping quiet and see whatelse would happened in page 131 to page 135. Therefore, we can see that Nike was a neutral man and

Assignment

The Richman Investments employee is responsible to ensure the affiliated member does not violate any Richman Investments policies, does not perform illegal activities, and does not use the access for outside business interests. The Richman Investments employee bears responsibility for the consequences should the access be misused. 3. Below are the following policies for details of protecting information when accessing the corporate network when referencing the remote access methods, and acceptable use of Richman Investments network: a. Wireless Communications Policy b. Acceptable Use Policy c. Acceptable Encryption Policy d. Virtual Private Network (VPN) Policy 4. Additional information regarding Richman Investment’s remote access connection options, To include how to order or disconnect service, cost comparisons, troubleshooting, etc. , you will have to logon to Remote Access Services website. Framework Requirements 1. Secure remote access standard will be strictly controlled. Control will be enforced by a one-time password authentication and minimum 7 character length, special character and 1 numerical character with 1 month expiration. . No Richman Investments employee will ever provide their login or email password to Anyone in or out of Richman Investments without prior written consent. 3. Richman Investments employees and affiliates with remote access privileges must ensure that their Richman Investments-owned or personal computer or workstation, which is remotely connected to Richman Investments corporate network is not dual-connected to any other network at the same time. 4. Richman Investments employees and affiliates with remote access privileges to Richman Investments corporate network must not use non-Richman Investments email accounts or other external resources to conduct Richman Investments business. 5. Routers for dedicated lines configured for access to the Richman Investments network must meet minimum authentication requirements as designated by IT Staff. 6. Reconfiguration of a home users equipment for the purpose of split-tunneling or dual homing is not permitted at any time. 7. Frame Relay must meet minimum authentication requirements of company standards. 8. Non-standard hardware configurations must be approved by Remote Access Services, and InfoSec must approve security configurations for access to hardware. 9. All hosts that are connected to Richman Investments internal networks remote access technologies must use the most up to date anti-virus software, this will include personal computers. Third party connections must comply with requirements set forth by company. 10. Personal equipment that is used to connect to Richman Investments networks must meet the requirements of company-owned equipment for remote access and obtain written approval by company.

Personal Challenge Experience Essay Example | Topics and Well Written Essays - 750 words

Personal Challenge Experience - Essay Example I was only ten years old in a family of two children when it was evident that their relationship had turned into a sour grape and was beyond repair. At the time, I could hardly tell what was happening with between as I was asked out of the room every time their conversations took a turn. Although I was young, the memories I have are illustrative of a happy family that we were before all went south. Our parents were efficient providers and we never lacked in any way. I remember walks in the park on Sunday afternoons, as my father pushed my sister on the stroller, an indication of a happy model family. At the age of ten, one does not have an abiding opinion on with regard to family relations, and this seemed to be rubbed in my face by the fact that my parents did not consider telling me what was happening. All that happened was arguments followed by the diminishing presence of my father. It was years later that I understood the full effect of divorce and wish that the system protected me better to avoid the hurt I went through. A shared parenting plan was implemented, but I spent most of my time with mother due to my tender age until she filed and was granted sole custody. It is for this reason that I lacked a father figure to help me deal with my teenage issues and did not know anyone to turn to for the problems I had. As a result, I kept to myself and avoided all confrontation however necessary they should be. I grew dejected and weary by the day, pulling away from society as my emotions raged within me. I was angry that my parents placed a burden on me to choose who I interacted with among them. I was not ready for the sudden change of lifestyle and I resulted to hating them for the choices they made. Violent outbursts initiated by the existence of happy families existed around me became norm since I failed to understand how this came to be. I lost friend following tantrums and to make matters worse, boys picked on me, calling names and teasing me at every opp ortunity. Feelings of rejection, loneliness, and dejection characterised the period following my parents’ divorce. My grades flopped and not a week passed with a visit to the principal’s office. I recall cutting classes, hiding in empty halls and wishing that the nightmare would end. Ignorance seemed to have saved me from the harm I craved as revenge over society. I remember contemplating the death of all smiling faces around me and I all that lacked was the means to implement. Great emotional turmoil ruled my social life and sought refuge in activities that I deemed to relief my condition. Great emotional turmoil ruled my social life and sought refuge in activities that I deemed to relief my condition, which saw locked doors to avoid mother. In my view, my parents showed no compassion in their decision to part ways and thus she had no right to ‘pretend’ she cared. However, she extended her concerns to my school where after a full report on my performance and behaviour, it was recommended that I attend counselling sessions. Following sessions with the school’s counsellor and a contracted therapist, all evidence pointed to back to the divorce. I had trouble coping with the effects of the separation, which explains my behaviour. The healing process proved long, but effective although I held nothing except remorse for the events

Digital Print and Distribution Assignment Example | Topics and Well Written Essays - 250 words

Digital Print and Distribution - Assignment Example They possess customer data that enable them to create targeted campaigns for the web, email, and direct mail, and they can use the print magazines for advertising the digital editions. Consumers are usually willing to pay a higher price for the content they want when given options for content delivery, this is the wisdom behind bundling. Bundling, therefore, helps to offset the impact of subscription by increasing readership and consumers’ willingness to higher prices for editions. Devices that have internet access present a profound opportunity for the advertiser, as well as publishers. There are several important advantages of online newsstands and applications such as Apple Newsstand. The main advantage is improved visibility and discoverability to potential new readers. The Reader gets notifications when a new issue is available. Publishers can use online newsstands and applications as a means of upselling digital editions through their web content. This will, therefore, boost magazine

Starbucks for or Against the War in Iraq Essay Example for Free

Starbucks for or Against the War in Iraq Essay Although it is unclear as to whether or not Starbucks ever actually refused to donate coffee to US troops fighting overseas or not, if they did it was not because â€Å"they don’t support the war or anyone in it† as the original message sent out by Sgt. Howard C. Wright claims. The Starbucks company policy regarding donations has strict guidelines regarding beneficiaries that must fall under their definition of a â€Å"public charity,† which the Military does not. Also, according to the Starbucks website, the company has not at any time taken a stand for or against the Iraq War; although they have stated that they support the men and women fighting for their country in the United States Military and the British Royal Marines. United States Marine Sgt. Howard C. Wright, who wrote the original email sent out in May of 2004, sent out another email approximately 5 months later recanting his previous statement and apologizing. The original email was sent out by Sgt. Howard C. Wright of the United States Marines after hearing by word of mouth that Starbucks did not support the war or the people fighting it. Sgt. Wright, it seems, sent the email out after hearing the story from a friend, who heard it from a friend, and then speaking to the Marine who had supposedly contacted Starbucks before first doing any research into the matter. Sgt. Wright has since received many copies of Starbucks’ policy regarding the issue to help and resolve any misconceptions there may have been. In typical rumor fashion, neither party is able to supply a copy of the original request sent by Sgt. Wright’s fellow Marine, nor a copy of the response to the request sent out by Starbucks. Since there is no written proof that this truly ever happened many have dismissed the allegation as being false and moved on. Although Starbucks made sure to post an article on the company website in January of 2005, and then update it in May of 2012, denying the allegations and confirming the fact that employees are able, and do in fact, send their weekly free coffee to the troops, bad press always travels faster and farther than good press. This leads into the fact that there are going to be people that will continue to boycott Starbucks based on the original rumor simply because they will not believe the subsequent email sent out by Sgt. Wright recanting his original statement. Even though Starbucks has a strict policy on the donation of goods only to â€Å"public charities† I believe it would be in their best interest to donate coffee to the United States Military and do it on a large enough scale to get media attention. This may put quite a dent into their earnings for the year but in turn would create a plethora of new customers because people support businesses that support our troops. January 11, 2005 and May 2012. Starbucks Support of the Troops/Military [Updated May 2012]. Retrieved February 25th, 2013. URL: http://news.starbucks.com/about+starbucks/myths+facts/militarydonations.htm August 8, 2004 and February 10, 2013. G. I. Joe. Retrieved February 25, 2013. URL: http://www.snopes.com/politics/military/starbucks.asp

Elevators to Space :: physics space elevator

The idea of an elevator into space is not a new one. First contemplated by a Russian scientist in 1895, it was not truly popularized until Arthur C. Clarke’s novel Fountains of Paradise in 1978. The idea is so simple, it seems absurd. A tether is extended from the surface of the earth, and using a combination of gravity and centrifugal force, is extended outwards. Vehicles can then scale this tether, removing the need for costly rockets. Arthur C. Clarke claims that the space elevator is an attainable goal, and we will have one â€Å"about 10 years after people stop laughing.† However, before it can be constructed, there are many engineering issues that need to be worked out. This page is not the end all, and contains no breakthroughs or answers. However, it does include some interesting information that may aid in answering questions about this subject: If you're going to build a 62,000 km rope, what would you use?. This application ends up being a gigantic tug of war. With gravity pulling down, and centrifugal force pulling up, the material has to be very strong just to hold its own weight, let alone the additional load of the elevator’s â€Å"car.† Until the early 1990’s, no such material was known. In 1991, carbon nanotubes were discovered. Although not currently a feasible option, current research in this topic may lead to breakthroughs very soon. How do you build a vehicle capable of climbing a tether into space, under its own power? This leads to another engineering feat for this project is a climber. It may seem like this is a simple extension of modern robotics, many of the caveats of this application require further research and experimentation. With any large structure, a major question on everyone's mind is "is it safe?" For something like a several thousand kilometer high freestanding elevator, there are two questions: "is it safe for the occupants/cargo?" and "is it safe for everyone/everything else?" The last question, and possibly the most important of all: "How much is this going to cost?" If its not economically feasible, all of the research in the world will not make it happen. No matter how you look at it, a project like this will be a very expensive endeavor. One of the biggest obstacles to building a space elevator has always been the choice of material for the tether. Until recently, there was no material known to man that could handle the stresses involved. With the discovery of carbon nanotubes, the strongest material known to man, a possible solution has been found.

Goodbye Uncle Tom and Abortion

Tom's treatment of black people back then was cruel and just sad to see. The whites mistreated millions of slaves and in the process, they're mentality was changed. That broken mentality from then affects the young black generation today because they believe that they are not worth anything. The African American generation of today is in extreme distress, they kill each other more and more everyday with very little remorse.They kill each other because they don't value life and some Of them are too young to realize that to only did they take someone's life, but they also destroyed their own. The murder rates of blacks in the United States are higher now than they were 25 years ago. More young black Americans die from homicide today in America than those of whites. More young black males are being imprisoned due to the rising violence in the black community leaving their women to raise the kids on their own. Black females have been affected more in a psychoanalytic and coloratura persp ective because of how black women were treated in the past.In the movie, it showed women being raped and then tossed as if hey were just animals. The men in that film abused the women to the point where they believed that they were nothing more than just tools for men to get their pleasure and nothing more. The ones that weren't killed ended up having kids that only reminded them of the pain they had to endure which made them feel worse. The mentality that they are just tools for men to get pleasure ended up being passed down to black females today as well. Some of them only feel valued when they dress a certain type of way to obtain a guys attention and affection.The abortion rate for African Americans has one up drastically as well. More and more young black women are getting abortions because they don't want to raise a child on their own. With the rise in black on black violence more black males are in jail and the ones that aren't in jail just walk out because they're not ready to be fathers. The abortion rate in America is at an all time high and most of the people getting abortions are young minorities because they feel they have no other option. Nothing is being done about these issues because the mentality of African Americans hasn't changed.They still suffer from the same broken mentality that their ancestors who were slaves suffered from. Black people won't be able to fix this problem until they admit that there is a problem, change their mentality, and learn to come together as a whole again. Black violence has gone up because more black people are against each other instead Of being for each other. In the movie, black people betrayed each other because they were not united and we're killing each other today for the very same reason. The mind set of black people has to change in order for black on black violence to stop.

Comparison of “The Ones Who Walk Away from Omelas” and “The Lottery” Essay

In â€Å"The Ones Who Walk Away From Omelas† and â€Å"The Lottery†, Ursula Le Guin and Shirley Jackson depict a seemingly perfect society built on dark secrets. In the story, â€Å"The Ones Who Walk Away From Omelas†, Omelas is a utopian city of happiness and delight, whose inhabitants are smart and cultured. Everything about Omelas is pleasing, except for the secret of the city: the good fortune of Omelas requires that a single unfortunate child be kept in perpetual filth, darkness and misery, and that all its citizens should be told of this when they come of age. After being exposed to the truth, most of the people of Omelas are initially shocked and disgusted, but are ultimately able to come to terms with the fact and resolve to live their lives in such a manner as to make the suffering of the unfortunate child worth it; however, some choose to leave. In the story, â€Å"The Lottery†, a small village of about 300 has an annual lottery; women, men, and children participate, to see who will be the chosen to ensure enough rain to the corn crops. The way the winner does this is to be stoned to death. The way that the authors use irony to portray the story societies as wonderful and perfect and then toward the end show their dark secrets creates the intriguing and captivating works that they are. In the story, â€Å"The Ones Who Walk Away From Omelas†, Omelas seems at first to be a beautiful and happy place. It takes place during a festival and there are children running around laughing and music. It talks about a race that is going to take place and how the horses are excited, â€Å"(the horses) flared their nostrils and pranced and boasted to one another,† with streamers of silver, gold, and green braided into their hair. The story has and air of excitement and celebration that is soon questioned when the author begins to talk about the child. Omelas is shown to have a dark secret when it tells of the child who has to live in deplorable conditions in order for the rest of Omelas to prosper and have joy. The child is kept in a room about the size of a cupboard and is without clothes. It lives on only a â€Å"half-bowl of corn meal and grease a day† and is covered in festered sores from where it’s repeatedly sat in its own excrement. The author also goes on to tell of how once the children are old enough to understand, between 8 and 12, they are told of what is happening and why. In the story it says, â€Å"Some of them understand why, and some do not, but they all understand that their happiness, the beauty of their city, the tenderness of their friendships, the health of their children, the wisdom of their scholars, the skill of their makers, even the abundance of their harvest and the kindly weathers of their skies, depend wholly on this child’s abominable misery.† This quote means that the child must live in retched conditions for the rest of the people to live happy lives; that if the child wasn’t living in misery that they wouldn’t be able to understand and appreciate the happiness in their lives. â€Å"The Lottery† also depicts a wonderful and pleasing New England village. The day is depicted to be bright, with fragrant flowers and green lawns. The children are fidgety and boisterous do to the ending of school for the summer. The story talks about the children and what they’re doing while they wait for the adults to gather, â€Å"Bobby Martin had already stuffed his pockets full of stones, and the other boys soon followed his example, selecting the smoothest and roundest stones,† the act of gathering stones seems like a harmless and normal activity at the beginning. The townspeople are gathering in a square between the post office and the bank for the annual lottery. It gives off an air of what can be interpreted as nervous excitement that soon is shown to be anything but. The story takes a turn for the dark side when it talks about the relief from the crowd when they or a child wasn’t chosen. It also is horrible in the fact that it says that â€Å"the whole lottery took less than two hours, so it could begin at ten o’clock in the morning and still be through in time to allow the villagers to get home for noon dinner?† They make sure that the stoning of a person to death isn’t inconvenient and delay mealtime; they’re more interested in making it home for dinner than being horrified at the fact that they just killed a person. Also the children take part in the stoning and are even encouraged to participate, â€Å"(t)he children had stones already, and someone gave little Davy Hutchinson few pebbles†. In â€Å"The Ones Who Walk Away From Omelas† and â€Å"The Lottery†, Ursula K. Le Guin and Shirley Jackson depict a seemingly perfect society but with a dark part. In â€Å"The Ones Who Walk Away From Omelas† a child must live in retched conditions so that the rest on the village could prosper and in â€Å"The Lottery† each year a person must be stoned to death to ensure bountiful rain. The way that the authors portray first a utopian society and then delve into the dark secrets of the societies create the great stories. Work cited Le Guin, Ursula K. â€Å"The Ones Who Walk Away From Omelas.† Backpack Literature. Kennedy, X. J. and Dana Gioia. University of Southern California, 2012. 252-257. Jackson, Shirley. â€Å"The Lottery.† Backpack Literature. Kennedy, X. J. and Dana Gioia. University of Southern California, 2012. 258-265

7 Military Ranks Common in Popular Culture

7 Military Ranks Common in Popular Culture 7 Military Ranks Common in Popular Culture 7 Military Ranks Common in Popular Culture By Mark Nichol 1. Captain This all-purpose title, originally identifying the leader of any band of warriors but later formalized to refer to someone holding a specific military rank, is used in civilian contexts to refer to a sports team’s most prominent member, a successful businessperson (â€Å"captain of industry†), or any leader. The rank originated with land-based forces but was carried over in naval contexts when military leaders took nominal command of ships for naval operations or ferrying of troops from one place to another, though the master of the ship the owner or owner’s representative, who unlike the captain had nautical skills actually supervised the ship’s operations. Now, any boat owner or operator is called a captain, and the commander of a naval vessel is referred to as the captain (or, less formally, the skipper) regardless of actual rank. 2. Colonel Was Colonel Sanders, founder of the fast-food chain KFC, a military veteran? He did serve briefly in the US Army, but as a lowly private. So, where did he get his title? From the Commonwealth of Kentucky, it turns out; the Bluegrass State awards the honorific â€Å"Kentucky colonel† to selected individuals who in some way contribute to the state’s well-being. But why â€Å"Kentucky colonel†? After the Revolutionary War, aristocratic landowners who had been commissioned as colonels in the Continental Army and authorized to form regiments were thereafter referred to as â€Å"Colonel† to honor their participation in that glorious conflict. Because such men were community leaders, by extension, the honorific, and in Kentucky the more specific phrase, was later bestowed on wealthy gentlemen in general, whether they had actually held a colonel’s commission or not. This tradition intensified after the American Civil War, when, as before, it was a point of honor to be able to identify oneself as a veteran especially one who had been a senior officer. The title became a routine honorific for wealthy Southern men, even those born in succeeding generations. Colonel Sanders, though of humble origins, adopted this persona after the governor of Kentucky awarded him the title. (A similar, tongue-in-cheek designation is â€Å"Nebraska admiral† a jocular nod to the fact that the Cornhusker State is landlocked.) 3. Drill Sergeant Noncommissioned officers assigned to train recruits, depending on the particular branch of the military in which they serve, have different designations, but this title, for US Army trainers, is the one most familiar to civilians, and it is often used in nonmilitary contexts to denote a harsh taskmaster. This characterization comes from the formidable personalities drill sergeants and their ilk display, because their job is to break their recruits so that their individuality is subsumed to develop unquestioning obedience and unit cohesion, two necessities for group survival in combat. 4. Ensign Originally, ensign referred to a flag, and sometimes the rank of the junior officer assigned to carry a military unit’s flag in battle was given the same name. By extension, though ensign is no longer a rank in land-based military forces, it became the entry-level officer rank in navies, though that officer’s duties have nothing to do with flags. 5. Lieutenant This term, from the French words meaning â€Å"in place of,† originally referred to the deputy of a military leader and later came to be formalized as a military rank (with variations). Like captain, it was then extended into nonmilitary contexts to refer to any immediate subordinate. A similar word is subaltern, an obsolete junior rank corresponding to a lieutenant; the term, though rare, has the same nonmilitary connotation. 6. Major Why is the leader of a marching band called a drum major? Such ensembles are descended in concept from military marching bands, which evolved from the use of bugles, fifes, and drums to sound signals to military units because shouted orders, hand gestures, signal flags, and other forms of communication might be difficult to hear or see in the noise and confusion of battle. Civilian marching bands, whose uniforms are a carryover from military dress, originally were primarily seen in parades, but performances at sporting events, stand-alone events, and band competitions began to predominate. The title of drum major an appointment, not a rank in the military hierarchy carried over to civilian usage; as with military ensembles, the person in that position, who may serve as a conductor, a marching coordinator, or both, wears a distinctive uniform to be easily recognizable. 7. Marshal This word sometimes used in place of or in addition to general in the military hierarchies of some countries, referring to a very high-ranking officer, has lowly origins: It is from a Germanic term meaning â€Å"stable boy† or â€Å"stable servant.† (The first syllable is a cognate with mare, meaning â€Å"female horse†). In medieval society, the humble stable keeper’s status steadily rose until the title referred to the commander of a feudal lord’s cavalry. Ultimately, the term â€Å"field marshal† referred to the leader of an army or a large division of it. The law enforcement term derived from association with a military marshal’s role in keeping the peace, and the use of â€Å"grand marshal† to designate an honorary parade leader stems from the military officer’s duties in ceremonial traditions. (Similarly, constable, which developed from a Latin term meaning â€Å"count of the stable,† was used throughout history from the later days of the Eastern Roman Empire as a title for various high-ranking officials, but constable now usually refers to a low rank in law enforcement.) Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:Coordinating vs. Subordinating ConjunctionsCapitalization Rules for Names of Historical Periods and MovementsTrooper or Trouper?

New Resources Tax in AUstralia ( MRRT) and it's effects on Australian Essay

New Resources Tax in AUstralia ( MRRT) and it's effects on Australian mining companies - Essay Example The Gillard Government’s proposed resource tax gained high approval from the International Monetary Fund, quoting it as a â€Å"step in the right direction.† Moreover, the MRRT would achieve the nation’s trust for consumption-based taxes and abolish ineffective taxation (Landers 2010). Because the MRRT is liable only to mining companies of iron ore, coal, oil and gas, there will be a reduction of the figure of affected companies from the previous 2,500 taxpayers to approximately 320 (Cherrington 2010). Taxpayers with annual income of no more than $A50 million will be exempted from the MRRT (Minerals Resource Rent Tax Regime n.d.) -The proposed MRRT promises an optimistic stride for mining investments in Australia. It offers a better guarantee for up-and-coming mining ventures, particularly those in the non-production of iron ore, coal, oil and gas. -For companies in mining ventures, the determination of taxable resource and revenues will be based solely on the nearest point to extraction as possible. This change would not deter the companies from their capital cost recovery and internal return rate. -The key adjustments from RSPT to MRRT in tax rates, particularly the 40% tax reduced to 22.5% rate and the resulting beneficial impacts on the projected efficient tax rates is forecasted to boost global competitiveness (Minerals Resource Rent Tax replaces RSPT 2010). The three pioneer mining companies in Australia: BHP, Rio Tinto and Xstrata equally agreed on a non-permission of the Australian tax to implement a target that could impact their multi-national operations. Their joint apprehensions over fluctuation on international shares and financial markets, whereupon loans are made to fund their projects, strengthened their vigilance on impending tax hikes by the government (Head 2010). The government negotiated exclusively with the

The views of young South- Asian males and females have changed around Essay

The views of young South- Asian males and females have changed around the issue of marriage - Essay Example The marriages in general can essentially be conducted following two norms, arranged marriage and love marriage. There is another type of marriage, known as love-arranged marriage, the type beyond the scope of this pilot study. Arranged marriage refers to the kind of marriage in which parents select prospective spouse for their children with the consideration of the family values, culture, education, occupation and social compatibility (Nanda, 1995). On the other hand, love marriages can be seen as a means in which the prospective spouses themselves take the decision to stay together irrespective of their corresponding family concern. In South-Asian context, the last decades of the twentieth century has brought an increasing radical shift in changing the perspective of marriage pattern and corresponding decision-making policy. The aim of the study is to find out the views of young South-Asian males and females on marriage, to find out whether there are any gender differences in approa ch and to find out reasons accounting for the differences. In Asian context, especially in South-Asia, the arrangement in the changes of socio-cultural and socioeconomic pattern have facilitated the increasing acceptance of â€Å"freedom of choice† among young individuals in terms of changing from arranged marriage to self-selected or love marriage (Tsuya, 2001). The current study is focusing on finding out to what extent self-selected marriage or love marriage is desirable and the changing pattern of attitude for the selection of partner by the candidate himself or herself or still left for the parents to settle on for the children to follow. However, the radical shift from arranged marriage to love marriage being observed especially during last decades suggests the possible link between dowry system and arrangement of marriage system. The change in the attitude governing the dowry system, central to the arranged marriage, may act to be responsible for, or