The Reasons For The Debt - 917 Words

The reasons we as Americans continue to be in debt vary in different ways depending on how they handle their money. Consumer debt is defined as â€Å"debt incurred by an individual primarily for personal, family, or household purpose.† There are many different types of consumer’s debt, which are credit cards, mortgages, student loans, car loans and etc. The entire economy mostly depends on credit; the promise to pay later for goods and services used today; but along with consumer credit comes consumer debt. All these different types of consumer debts leads to many externalities all around the world which can create a large impact in our society and a problem to the consumer if they are not able to pay it off. Credit cards are one of the major types of consumer debt in which has increase over the years. It’s known to be the third largest source of household in obligation. People tend to keep spending more and more with credit cards and having a long-term period to pay these amounts because of interest rates. Interest rates are also a huge factor that plays in role with credit cards that leads to consume debt. We the consumers have created billions of dollars worth of debt over the past years, and credit cards is the main component. According to Tamamara E. Holmes who wrote statistics on credit cards said, â€Å"Credit cards debt fall along with consumer spending during the 2008 financial crisis and slow growth has kept total revolving debt at pre-crisis levels, though it is creepingShow MoreRelatedThe Reasons For European Sovereign Debt Crisis1437 Words   |  6 PagesAccording to the analysis above, the euro crisis could be partly ascribed to previous financial crisis in 2008. After deeply investigation, the failure could have a lot of thing to do with government regulation and management. The reasons for European sovereign debt crisis could categorized into two main issue; income and solvency problem as analyze above. Hence, this part wi ll examine the failure of both private and public sectors from the angle of accounting. With the accounting aspect, the conceptRead MoreThe Reason Behind the Increase of Consumer Debt and Materialism1119 Words   |  5 PagesThe Reason Behind the Increase of Consumer Debt and Materialism Everywhere you go today, you see white ear buds sticking on people’s ears. There are millions of people (especially teenagers) that own iPods in America right now. I remember the first time I saw an iPod on TV from 50 Cents’ music video. I thought the gadget was really cool because of how much music it could hold in such a small size. Straight away, one would think that only upper middle class people would be Read MoreThe Impact Of Debt For A Married Couples1416 Words   |  6 Pages Abstract This research paper examines the impact of debt for recently married couples. In this paper, you find the following topics, 1). Debt 2). Money-valuable resource 3). Reasons people create debt 4). Types of debts 5). Ways debts affect a couple martial satisfactions 6). Effect of debt on your health 7). Improving relationship 8). Opportunity- Married Couples 9). Tips for getting out of debt 10). Conclusion. Key words: debt, martial satisfaction, credit score, money, conflict, andRead MoreThe Problem Of Student Debt992 Words   |  4 PagesWhen reason becomes the foundation of what is considered a good choice, emotion is portrayed as its enemy. An example taken into consideration at the moment is the fact that student debt is at an all time high. There are about 37 million people who are actually struggling to pay off their student debt. This student debt is estimated to be an appalling $1 trillion. It is certain that this influences both the government, but the question is what the influence is? Is it emotion; is it reason, or bothRead MoreFederal Deficit And The National Debt1661 Words   |  7 Pagesfederal deficit and the national debt, as well as examination their relationship. This paper also looks at how the deficit is created and dealt with, along with what happens to different areas of the economy when the deficit’s size changes. Lastly this paper covers who owns the na tional debt, how these people are paid off, and the interest rate of the debt. Federal Budget Deficit with a sprinkle if National Debt (1, 2, 3) The federal budget deficit and the national debt are two different things, butRead MoreDebt Is Not Only A Sum Of Money Owed For Money1626 Words   |  7 Pagesyou want to learn the secret to being debt free? Is simple, make sure you have the winning numbers to the lottery. Debt is not only a sum of money owed for funds borrowed, but an actual impediment to the decisions we conduct concerning our education and our lives in general. Debt is considered to be the reason behind the headaches, the financial concerns, and mental stability of multiple individuals who day by day find themselves consumed in debt. In my case, debt would either be a factor I will beRead MoreThe Debt Of The Third World Countries942 Words   |  4 PagesIs it possible for the first world countries to forgive the debt of the third world countries? It is possible if the first world countries can afford to lose money and resources to help other countries. If the first world countries do not cancel the debt then th e third world countries debt and loans is going to increase. It going to cause the value of the money currencies to drop and the cost of the debt is going to rise. The debt is also causing the third world countries to delay from increasingRead MoreThe Value Of The National Debt906 Words   |  4 PagesThe Actual National Debt When the economists talk about the national debt, they talk about the ratio of the national debt to the Gross Domestic Product. Well, why do they compare those two concepts, instead of just giving us the sum of the national debt? In order to answer this question we will have to define what is the national debt, and what is the GDP. The National Debt The National Debt is the sum of all past federal deficits, minus any surpluses. (Rittenberg, L. and Tregarthen, T., 2012). ToRead MoreIs Forgiving Student Loan Debt A Good Idea?1009 Words   |  5 PagesStudent Loan Debt a Good Idea?† states Robert Applebaum’s solution for student loan debt is a â€Å"radical and wildly unfeasible solution† in both economically and politically. Applebaum’s proposal is to â€Å"provide a one-time bailout of student debt†¦as a way to stimulate the still-limping economy.† However, Webley counters the solution has to have â€Å"the purported benefited and fairness of a one-time student loan bailout.† In Webley’s essay, in the sixth paragraph she mentions the average debt total of theRead MoreStudent Debt Is A Significant Social Problem Essay1297 Words   |  6 PagesExamining Student Debt When we think about college and a college education, it seems as though our first initial thought is the student loans and debt that can result in achieving a college degree. Looking back, student debt has risen drastically and has made it extremely stressful for students and families. Many people go through their entire life in debt, especially from being a student. Student debt has always existed; however, now, it is so extreme, almost all students who attend college find

Patent And Ethical Issues Lies A Gene Editing Method With...

Surrounded by patent and ethical issues lies a gene editing method with massive potential within the biotechnology industry. The CRISPR-Cas9 system works like ‘molecular scissors’ where Cas9 is an endonuclease that targets a specific DNA sequence (Griggs. 2015). This is more efficient than the previous methods such as zinc-finger nucleases (ZFNs) and transcription activator-like effector nucleases (TALENs), as well as being simpler to use. CRISPR-Cas9 uses single guided RNA (sgRNA) to reach the desired gene, where it is able to cleave the double stranded DNA in the presence of a Protospacer Adjacent Motif sequence (PAM sequence) (Ran et al. 2013). This is the stage where the gene can be altered via the cells own repair system due to the break in the DNA (Nehme et al. 2014). Solutions to sickle-cell anaemia, malaria and beta thalassemia are just a few of the life changing impacts this method could have in the future. CRISPR stands for clustered regularly interspaced short palindromic repeat and the Cas9 stands for CRISPR associated nuclease nine. There are three major types of CRISPR-Cas systems and the Cas9 system is a type two system (Lundgren et al. 2015). The sgRNA used is produced from a targeting sequence (crRNA) and a Cas9 nuclease-recruiting sequence which is trans-activating CRISPR RNA (tracrRNA). The target sequence for sgRNA must be ajacent to the PAM sequence that has a base sequence of NGG or NAG (G is guanine, A is adenine and N is any nucleotide). The sgRNAShow MoreRelatedStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 PagesPrinter/Binder: Courier/Kendallville Cover Printer: Courier/Kendalville Text Font: 10.5/12 ITC New Baskerville Std Credits and acknowledgments borrowed from other sources and reproduced, with permission, in this textbook appear on the appropriate page within text. Copyright  © 2013, 2011, 2009, 2007, 2005 by Pearson Education, Inc., publishing as Prentice Hall. All rights reserved. Manufactured in the United States of America. This publication is protected by Copyright, and permission should be obtainedRead MoreProject Mgmt296381 Words   |  1186 Pagesenvironments F.1 Integration of project management processes [3.1] 6.5.2 Setting a schedule baseline [8.1.4] 6.5.3.1 Setting a resource schedule 6.5.2.4 Resource leveling 7.2 Setting a cost and time baseline schedule (1.3.5) [8.1.3] 6.5.2.3 Critical chain method Chapter 9 Chapter 10 Reducing Project Duration Leadership Chapter 2 Organization Strategy and Project Selection 1.4 Projects and programs (.2) 1.4.1 Managing the portfolio 1.4.3 Strategy and projects 2.3 Stakeholders and review boards 12

Excessive Sales Promotion and Brand Equity - 5059 Words

A marketing report: Does excessive sales promotion result in dilution of brand equity? Group 4 Amandeep Singh Gandhi Chetna Kirtan Acharya Murthy BBTGS Ravish Malik Sirish CP Vivek Singh Contents What is sales promotion? Why is it required? Decisions involved in sales promotion Types of sales promotion Sales promotion to be used at different stages of the product lifecycle Direct and interactive marketing A special case: Intrusive sales promotion Conclusion What is Sales Promotion? Sales promotion is an incentive given to the consumer to buy the company’s products or services. Although some sales promotions can be continuous (frequent flier miles), most of such programs are short-term. They are usually used to cash in†¦show more content†¦For example, providing details about the various travel packages available by travel sites like MakeMyTrip.com or TravelGuru.com through email to the people is nothing but sales promotions. The additional information about various mutual funds, various insurance policies given by the companies through any form of media can be considered as a sales promotion. This is where the companies need to draw a line. As the article says, the company needs to inform the customer to the intangible benefits of buying a certain policy, not just the monetary savings he will make by using the policy. Stimulating Demand - Apart from building initial product awareness, another important use of sales promotion is to build demand by convincing customers to make a purchase. Special promotions, especially those that lower the cost to the customer can be employed to stimulate sales. Sales promotion can be used as a tool to help consumer in making a choice between two similar commodities. For example if there are no points of difference for two commodities, then sales promotion helps consumer to make choice between the two commodities. Reinforcing the Brand – Once customers have made a purchase, sales promotion can be used to both encourage additional purchasing and also as a reward for purchase loyalty. Loyalty programs may include price discounts, free products etc. Many companies, including airlines and retailShow MoreRelatedDoes Excessive Sales Promotion Result in Dilution of Brand Equity1842 Words   |  8 PagesDoes  excessive sales promotion  result in dilution of  brand  equity What is Brand? A brand is a product, service, or concept that is publicly distinguished from other products, services, or concepts so that it can be easily communicated and usually marketed. A brand name is the name of the distinctive product, service, or concept. 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One of the key areas in CSR practices is paying attention to environmental issues such as energy saving and avoidance of excessive use of inputs. The promotion of resource efficiency including using less energy and water lower the utility costs. Nonetheless, a reduction in the use of packaging materials helps to reduce production cost. Brand equity has been viewed as the most crucial intangible assets of the company. Cornell and Shapiro (1987) suggested that the firms are able to

A Midsummer Nights Dream an example of a Shakespearian comedy Essay Example For Students

A Midsummer Nights Dream an example of a Shakespearian comedy Essay William Shakespeare has written many plays, ranging from tragedies to comedies. A Midsummer Nights Dream is an example of a comedy. A comedy is a play that has a humorous storyline. When a play builds up to its climax, it ends in a happy note. Climax comes from the Greek word Ladder. At the beginning of the play, the main characters are introduced to the audience and everything is in natural harmony. But after a while things start to go wrong in the magical world, causing confusion and nature to go out of balance. In this play, there are issues where the magical world becomes chaotic causing a loss of order and harmony. Shakespeare writes of various themes, like love and loyalty. The love he writes of in this play is Parental love, Female verses male and the love that seems most important in this play, Marital love. This love contrasts with real love. He also writes about order and disorder, which is usually linked to nature. The appearance and reality of the magical world, and the Kingship is linked towards Theseus, for he is a very fair ruler. Theseus contrasts with Oberon because in the play, Oberon abuses his power over the magical world. During the play, Shakespeare uses contrast to show the different qualities, which the people and places have. The real world of Athens and the magical world of the woods contrast because in the play, Shakespeare jumps between the two showing reality and illusion. This shows that each world is not very different, although each world is ruled very differently. The night contrasts with the day because at night the scenes take place in the woods where the fairies are in control. On the other hand is the day, where everything takes place in Athens and the humans are in control. In Athens everything is peaceful and law-abiding, showing reality. But in the woods, everything is chaotic and law breaking, showing illusion. The night and the day contrast with each other because although they may be different times of each day, but when each time comes, they show to be very separate worlds. In this play there are two different types of tone; comic and serious. Shakespeare jumps between the two during this play. The comic tone occurs when the mechanicals are on-stage, while the serious tone is when either the nobles or the magicals are on-stage. Although, sometimes with the magicals, the play can turn comical, for they can be quite silly. Shakespeare has given this comedy a feeling of importance rather than any of his other comedies, by giving the nobles and lovers names from Greek mythology. The mechanicals could have got their names based on the jobs that they did. Theseus is the Duke of Athens, who is engaged to Hippolyta, Queen of the Amazons. Theseus is a kind and sensitive ruler, whos mature and impartial nature is contrasted with that of the fairy king Oberon, who uses magic to humiliate and win back his Titania. The way Theseus makes his decisions does have its difficulties, however, after the four lovers have described the strange events that had happened to them that past night. Theseus reveals that he has little sympathy for the lunatic, the lover, and the poet. Theseus and Hippolyta were former enemies in war, but soon their love for one another brought an end to battle. Their wedding provides the framework for the events of the play. It also shows the way they love each other maturely, which can be measured by the behaviour of the other lovers. Their marriage is perfect in the eyes of the Shakespeare audience. .u6b3fdfbd41020e5aecd97574ceaa3a54 , .u6b3fdfbd41020e5aecd97574ceaa3a54 .postImageUrl , .u6b3fdfbd41020e5aecd97574ceaa3a54 .centered-text-area { min-height: 80px; position: relative; } .u6b3fdfbd41020e5aecd97574ceaa3a54 , .u6b3fdfbd41020e5aecd97574ceaa3a54:hover , .u6b3fdfbd41020e5aecd97574ceaa3a54:visited , .u6b3fdfbd41020e5aecd97574ceaa3a54:active { border:0!important; } .u6b3fdfbd41020e5aecd97574ceaa3a54 .clearfix:after { content: ""; display: table; clear: both; } .u6b3fdfbd41020e5aecd97574ceaa3a54 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u6b3fdfbd41020e5aecd97574ceaa3a54:active , .u6b3fdfbd41020e5aecd97574ceaa3a54:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u6b3fdfbd41020e5aecd97574ceaa3a54 .centered-text-area { width: 100%; position: relative ; } .u6b3fdfbd41020e5aecd97574ceaa3a54 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u6b3fdfbd41020e5aecd97574ceaa3a54 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u6b3fdfbd41020e5aecd97574ceaa3a54 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u6b3fdfbd41020e5aecd97574ceaa3a54:hover .ctaButton { background-color: #34495E!important; } .u6b3fdfbd41020e5aecd97574ceaa3a54 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u6b3fdfbd41020e5aecd97574ceaa3a54 .u6b3fdfbd41020e5aecd97574ceaa3a54-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u6b3fdfbd41020e5aecd97574ceaa3a54:after { content: ""; display: block; clear: both; } READ: How Does Gatsby Represent The American Dream EssayOberon is king of the fairies. In contrast with Theseus, he rules his world in a much different way. He is quite a proud, sometimes jealous man who has a darkness in his character which can make him quite frightening. He is very much a creature of the night and he creates dreams which can cause chaos and confusion. Titania is quite a caring character in this play. She is in tune with nature, when she sees that Oberon and herself are causing chaos with their arguments. She shows that she would much rather desire harmony than chaos. She is also very passionate, as well as romantic and delicate. She shows this side of her, during her love for Bottom. You can see of her strength, bravery and pride when she stands up to Oberon because she is refusing to give him what he wants. Although they have many problems, at the end of the play, you can see that they are still very much in love. What Shakespeare is trying to say here is that a love which is strong, will not die. He is advocating love within marriage in this play. Oberon and Titanias marriage is quarrelsome but passionate. This is in contrast with Theseus and Hippolytas love for one another. Hermia is the daughter of Egeus and love of Lysander and Demetrius. Her father is determined that she will marry Demetrius, but she goes against his wishes and runs away with Lysander into the woods. The Elizabethan audience at this time would be shocked by her behaviour. At the start of the play, Hermia clearly takes pleasure in the dominant control she has over Helena because of her lack of self-confidence. Helena is perhaps named after Helen of Troy, who was the beautiful woman whose abduction started the10 year Trojan war. Helena contrasts to Hermia because they are both beautiful but Helena lacks that extra self-confidence. Helena is very much in love with Demetrius and she is grounded, passionate and witty despite the love she does not get in return. Helena always carries herself with a certain grace and maturity that contrasts with Hermias more ill-humoured behaviour. Lysander, the lover of Hermia and Helena, is a complete romantic and extremely passionate. While he expresses his playful language towards the women, he shows his boyish charm. When contrasted with Demetrius, he thinks of love in a more romantic view rather in a mature way. Demetrius is the lover of Helena and Hermia. At the start of the play, he expressed his love for Helena. But he soon changed his mind in favour of Hermias wealth. He is not a faithful lover and is even and direct, but firm at the same time about his desires. In this play he treats Helena very badly, by threatening her to leave him alone. Demetrius only falls in love with Helena near the end of the play because of the love potion Puck put on his eyes. This action makes them him fall deeply in love with Helena, but it also means that their love is not true. Hermia and Helena are both romantic and constant in their love. But because of Puck, the young men become victims of an illusion. Each lover is seen as a symbol of young love. Nick Bottom is a weaver and the most important of the six mechanicals. Bottom together with Peter Quince a carpenter, Francis Flute a bellows mender, Tom Snout a tinker, Snug a joiner, and Robin Starveling a tailor, decide to put on a play for Theseus and Hippolyta, celebrating their wedding. The plays genre is a tragedy and its called Pyramus and Thisbe. In A Midsummer Nights Dream, each mechanical represents decency, honesty, loyalty and hard work. Each man brings comedy into the play which contrasts with the aristocratic lovers. .u4b73d4b58d1f6d47511d84b373f3d946 , .u4b73d4b58d1f6d47511d84b373f3d946 .postImageUrl , .u4b73d4b58d1f6d47511d84b373f3d946 .centered-text-area { min-height: 80px; position: relative; } .u4b73d4b58d1f6d47511d84b373f3d946 , .u4b73d4b58d1f6d47511d84b373f3d946:hover , .u4b73d4b58d1f6d47511d84b373f3d946:visited , .u4b73d4b58d1f6d47511d84b373f3d946:active { border:0!important; } .u4b73d4b58d1f6d47511d84b373f3d946 .clearfix:after { content: ""; display: table; clear: both; } .u4b73d4b58d1f6d47511d84b373f3d946 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u4b73d4b58d1f6d47511d84b373f3d946:active , .u4b73d4b58d1f6d47511d84b373f3d946:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u4b73d4b58d1f6d47511d84b373f3d946 .centered-text-area { width: 100%; position: relative ; } .u4b73d4b58d1f6d47511d84b373f3d946 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u4b73d4b58d1f6d47511d84b373f3d946 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u4b73d4b58d1f6d47511d84b373f3d946 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u4b73d4b58d1f6d47511d84b373f3d946:hover .ctaButton { background-color: #34495E!important; } .u4b73d4b58d1f6d47511d84b373f3d946 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u4b73d4b58d1f6d47511d84b373f3d946 .u4b73d4b58d1f6d47511d84b373f3d946-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u4b73d4b58d1f6d47511d84b373f3d946:after { content: ""; display: block; clear: both; } READ: Romeo and Juliet by Michael Horwood EssayIn Elizabethan lore, Puck was a mischievous, brownie like fairy also called Robin Goodfellow. As one of the leading characters in this play, Puck boasts of his pranks of changing shapes, misleading travellers at night, spoiling milk, frightening young girls, and tripping venerable old dames. Apart from this, Puck is ultimately good-natured and generous, finding true pleasure in the plays outcome. Shakespeare has written this play in a way so that when each character speaks, it reflects their personality. For example, whenever Bottom speaks he often muddles things up and gets things wrong, showing his character to be quite silly and clumsy, which makes him a comic character. Bottoms behaviour contrasts with that of Theseus behaviour. Theseus is always trying to sort things out and make things right, at the same time as being sensitive. This shows his character to be mature, fair and considerate. To examine the personality of each character, you do not only look at what they say, but the pattern they speak in as well. When the magicals and nobles come on, they speak in verse and everything is spoken in rhyme. That contrasts with the mechanicals, for whenever they are on, they do not speak in verse. In this play, contrast is mirrored in its pages. In some ways, Shakespeare has been successful in his use of contrast. It has made the play clearer to understand. For example, what characters are comic or serious. But on the other hand, I feel that he has tried to be a little too clever by using too much contrast. By doing this, it has made some things harder to understand. Overall, Shakespeare has used contrast well because it helped me to imagine the two very different worlds and its people.