Arthropod pests Essay Example for Free

Arthropod pests Essay The concern that human society will be inevitably obsessed with death is a valid one. Although there may be people today who escape depressing thoughts of death, all will be distraught after reading only a few lines of the Lament for Ignacio Sanchez Mejias. This essay will analyze parts of the work by Federico Lorca and provide some basic interpretations and thoughts on the subject. Beginning with the first line of the lament, the reader is struck with an overwhelming sense of time—five in the afternoon. It fills the mind as the words continue. â€Å"It was exactly five in the afternoon. † Ignacio has obviously died. The time of day is noted, and the question arises immediately: why repeat the time â€Å"five in the afternoon† after every line (up to five times)! I think the point of repeating the time excessively is to pound a feeling of monotony that accompanies utter grief into the mind of the reader. Also, it provides a broad scope to help the reader understand how many hopelessly depressing things are going on at once. A possible answer, then, is that the lament needs synchronization in order to deliver the correct emotions that Lorca felt. For example, leaving out the repeated time, the first stanza becomes, â€Å"A boy brought the white sheet, A frail of lime ready prepared, The rest was death, and death alone. † In this version, the reader feels like three mundane, somewhat depressing things are happening in sequence as opposed to feeling a horrifying realization of the simultaneous events surrounding the loss of a close friend. Without the repetition it may still seem sad, but nowhere near as powerful as the original. Adding the repetition back in, one feels as though time has been stopped during a metaphorical symphony of pain from grief. As the horrible moment continues, Lorca adds additional imagery: â€Å"Groups of silence in the corners†¦ A coffin on wheels is his bed†¦ The room was iridescent with agony†¦ In the distance the gangrene now comes†¦ The wounds were burning like suns†¦ at five in the afternoon. At five in the afternoon. Ah, that fatal five in the afternoon! It was five by all the clocks! It was five in the shade of the afternoon! † It is no accident that we read of the time of day five times at the end of this section. Also, both of the first two stanzas contain five references to the time as well, almost suffocating us with the existence of the terrible hour. Lorca perfectly displays the effect of death on the human mind. Cluttered with the details most ignored in regular life, our brains (perhaps as a self-defense to keep us alive) go through an almost physical withdrawal when those near to us die. In conclusion, It is obvious that our lives revolve around death whether we like it or not. Death is the nemesis of survival, and survival is our primary goal in life as humans. Reproduction, social reform, religion, or anything else we live for (even hedonism) must manifest itself through survival of ourselves or others. Thus, as long as we survive, humans will always be obsessed with death.

Final Reflection Paper Essay Example for Free

Final Reflection Paper Essay Final Reflection Paper I have had the opportunity to volunteer for the last several weeks. I had never really volunteered before, so I knew that this was my opportunity to do some community service to help others. I have found through the experience that I really like to volunteer, so in the near future I will probably volunteer on my own, rather than doing it for a class. Doing service projects is a great way to get involved with the community. There are always people and businesses looking for help, and it is usually easy to find a way to help. When I had to do volunteer services for psychology, I was excited because I had never really volunteered for a long period of time. It was very interesting, because it actually made me feel like a better person for helping someone in the community. I volunteered at the Manchester Church of the Brethren Preschool. I chose that place, because I am an education major, and I thought that it would help me be able to work with children. I love working with children every chance that I can. While I was volunteering/observing, I learned many things that involved psychology. Psychology obviously relates to human’s, so it was neat to put it into a different perspective, because I got to look at 4 and 5 year olds, to see how the subjects that we were recently discussing in class, pertained to them particularly. Children learn very quickly, at a young age so I had a great opportunity to see that first hand. It was neat to relate all of the things I learned in class, to the actual students I was observing. I thought that 10 hours of volunteering was a perfect amount of time. It gave us enough time to actually get to know that people we were volunteering for, but it was not so long, that it took forever. I started my volunteering hours as soon as I could, so that way I knew I would have plenty of time to complete them. My family has always influenced me to become a better person, and volunteering really fits into that category. As I continue to get older, I now know that helping others really makes you feel better about yourself. People that volunteer in the community have really influenced me, because many times it is people in my family, friends, or acquaintances. These influences have changed because I know that when I volunteer I am only doing  good for others, and it also reminds me that I should not be so selfish sometimes. They influence me because I know that when I help others out, it brightens up their day, and they really enjoy getting help from somebody else that cares ab out them. There have been many influences that help me realize that volunteering can only help others. Volunteering only betters a person. I know from other experiences that volunteers really make a difference in people’s lives. Volunteering is something that everyone should want to do, and the benefits are a great part too. I have learned through my church family different ways to feel â€Å"needed† on this earth, and one of those ways is to help others. I have learned about Karma, within the last couple of years, and I truly believe in it. What goes around, comes around. So I think that if you are only putting good deeds out there, then eventually someone or something will do good deeds in return. I feel motivated to do activities and different events that have to do with people. I particularly like younger children, but I am a people person, so anything that I can connect with helps me enjoy doing things. Helping out with children is a must, because later on in life I am going to be working with children as a career. Not everyone likes to work with children, so if we get the people that do, they feel more satisfied themselves. When trying to find a job, people look for volunteering experience, because that just shows them that you care about helping others, and you take time out of your life to do so. These are very important motivators. I recently just volunteered for Relay For Life. Throughout my life I have known many people that have cancer and other diseases. I feel that to help this was the least that I could do. I donated some money to put towards a fund. As well as walked with a group to show that cancer never sleeps. This was very important to me. I also do volunteer babysitting. Since, I enjoy working with children, this is an easy way to get to work with them. When families only go out for a couple of hours, they usually call me, because typically I do not make them pay, because I enjoy their children so much. In high school I did many vo lunteer activities. I was involved with many different clubs and sports. Usually through those we would have to raise money and volunteer our time to do something. For example with Marching Band, we would go to different counties, and do our  show for them if they asked. For cheerleading, we would do a mini-cheer clinic, which we taught little children chants, and cheers. I had many other opportunities that I did volunteer work in high school as well. The most recent thing I have done at Manchester College is Relay For Life. I described what I did earlier, which I participated in the walk and raising money. I just finished volunteering in Introduction to Psychology class, which I volunteered at Manchester Church of the Brethren. I really enjoyed that, because I got to work with children. I am looking forward to volunteering for many more things in my upcoming years at Manchester. Overall, I feel that volunteering only betters yourself, and it helps others. It is a great way to support a community as well as meet new people, and to help out others. I feel that everyone should volunteer, and for something that they are passionate about. I am glad I got the chance to volunteer, because I feel better about myself knowing that I helped others, and I look forward to many more opportunities.

Impact of Firm Level Characteristics

Impact of Firm Level Characteristics Abstract Organizational performance has attracted scholarly attention in corporate finance literature over the several decades. However, in the context of insurance sector, it has received a little attention. Current study examines the impact of firm level characteristics (size, leverage, tangibility, risk, growth, liquidity and age) on performance of listed life insurance companies of Pakistan over seven years from 2001 to 2007. The results of Ordinary Least Square (OLS) regression analysis indicate that size, risk and leverage are important determinants of performance of life insurance companies of Pakistan while ROA has statistically insignificant relationship with growth, profitability, age and liquidity. Keywords: performance, firm level characteristics, life insurance companies. Introduction The performance of any firm not only plays the role to increase the market value of that specific firm but also leads towards the growth of the whole industry which ultimately leads towards the overall prosperity of the economy. Measuring the performance of insurers has gained the importance in the corporate finance literature because as intermediaries , these companies are not only providing the mechanism of risk transfer but also helps to channelizing the funds in an appropriate way to support the business activities in the economy . Insurance companies have importance both for businesses and individuals as they indemnify the losses and put them in the same positions as they were before the occurrence of the loss. In addition, insurers provide economic and social benefits in the society i.e. prevention of losses, reduction in anxiousness, fear and increasing employment. Therefore, the current business world without insurance companies is unsustainable because risky businesses have not a capacity to retain all types of risk in current extremely uncertain environment. For the past six decades, Pakistani life insurance companies have shown the impressive progress which not only creates the employment opportunities but also enhances the business activities in the economy. Financial statistics reported the phenomenal growth of Pakistani life insurance companies as these companies comprise 52% and 69% share of entire (life plus non-life) insurance market in terms of net premiums and assets (Insurance Year Book, 2007). In addition, the premium of these life insurers increased by 36% in 2007 (Insurance Year Book, 2007) shows the remarkable progress of life insurance sector of Pakistan. Therefore, what determines the performance of the life insurance industry is an important discussion for the regulators and policy makers to support the sector in achieving the excellence so that desirable economic fruits could be reaped from the help of the life insurance sector of Pakistan. Literature Review The Determinants of performance have been extensively studied in corporate finance literature from the last several decades. For instance; by selecting the sample of US banks, Berger (1995) investigated the impact of capital asset ratio on return on equity. He concluded that capital asset ratio has a positive relationship with profitability. Anghazo (1997) examined the impact of firm level characteristics on US bank net interest margin. The results documented that bank interest margin positively related with leverage, opportunity cost, and default risk and management efficiency. Neeley and Wheelock (1997) explored the determinants of profitability of commercial banks and find that profitability positively related with changes in per capita income. To investigate the performance of banks (Naceur Goaied, 2001)used the sample of Tunisian banks over the period of 1980 to 1995. They advocated that the banks who tried to maintain their high deposits and improve their capital and labor productivity are performed well. Guru et al. (2002) examined the determinants of performance of Malaysian banks over the 10 years period from 1986 to 1995. For this purpose, they selected both micro and macro level characteristics. The results revealed that inflation positively while efficient expense management and high interest rate negatively related with profitability. The results of Goddard et al. (2004) showed that Profit is an important prerequisite for future growth of banks and the banks that maintain a high capital assets ratio tend to grow slowly. A study conducted by the (Sufian Parman, 2009)to investigate the determinants of profitability by selecting the non-commercial banks financial institutions. The findings indicated that credit risk and loan intensity negatively related with profitability while large size and financial institutions with high operational expenses tended to high profitability ratio. (Hakim Neaime, 2005) Observed that liquidity, current capital and investment are the important determinants of banks profitability. (Aburime, 2006) Identified the firm level determinants of profitability of Nigerian banks over the five years period from 2000 to 2004. He concluded that credit portfolio, size, capital size and ownership concentration are important determinants of Nigerian banks. (Kosmidou, 2008) showed that money supply growth has insignificant impact on profitability while GDP and stock market capitalization to assets are significant and have negative relation with the ROA. (Asimakopoulos, Samitas, Papadogo nas, 2009) illustrated that Firms profitability is positively affected by size, sales growth and investment. On the other hand, leverage and current assets negatively related with profitability. Severeral studies also have been conducted to measure the performance of the insurance compnies. For instance; Sloan, A and Conover, J.(1998) deduced that functional status of insurers do not affect the profitability of being insured but public coverage have significant impact on profitability of insurance companies. Chen and Wong ( 2004) examined that size, investment, liquidity are the important determinants of financial health of insurance companies. Chen et al.( 2009) examined the determinants of profitability and the results showed that profitability of insurance companies decreased with the increase in equity ratio. In addition, insurance companies must have to diversify their investment and use effective hedging techniques which help them to create better financial revenues. Research Methodology Sample and Data Currently, there are five life insurance companies operating in Pakistan and all these five companies are selected to measuring their performance over the period of seven years from 2001 to 2007. For this purpose, financial data has been collected from financial statements (Balance Sheets and Profit and Loss a/c) of insurance companies and à ¢Ã¢â€š ¬Ã…“Insurance Year Bookà ¢Ã¢â€š ¬? which is published by Insurance Association of Pakistan. Model PR = ÃŽÂ ²0 + ÃŽÂ ²1 (LG) + ÃŽÂ ²2 (TA) + ÃŽÂ ²3 (SZ) + ÃŽÂ ²4 (LQ) + ÃŽÂ ²5 (AG) + ÃŽÂ ²6 (RK) + ÃŽÂ ²7 (GR) + ÃŽÂ µ Where: PR = Performance (Net income before interest and tax divided by total assets) LG = Leverage (Total debts divided by total assets) TA = Tangibility (Fixed assets divided by total assets) SZ = Size (Log of premiums) LQ = Liquidity (Current assets divided by current liabilities) AG = Age (Difference b/w observation year and establishment year) RK = Risk (standard deviation of ratio of total claims to total premiums) GR = Growth (Percentage change in premiums) ÃŽÂ µ = the error term Descriptive Statistics Table 4.1 presents descriptive analysis of the firm level characteristic associated with life insurance sector. This study considers performance as dependent variable whereas leverage, size, growth, tangibility, liquidity, age and risk as independent variables. The industry average is provided by mean along with are the minima and maxima for respective year while standard deviation indicates the inter-industry variation of the variables value within the respective year. Table 4.1 indicates that the minimum value of industry mean of leverage is 0.79 in 2004 and 2007 while the mean value is at its maximum level in 2006 at 0.84.The maximum variation in leverage is observed in 2007 valuing at 0.30 and minimum is found in 2003 at 0.19. The variable size constantly shows the increasing trend from year 2001 to 2007. The mean value of size is at maximum level in 2007 i.e. 7.51 whereas minimum mean value for size is observed at 6.02 in 2001. In addition, the inter industry variation is minimum in 2001 at 2.12. Table 4.1 also shows that growth of Pakistani life insurance companies is not consistent in all seven years and mean value of growth is reached 34.84 in 2007 from 11.53 which is observed in 2001. The mean value of performance (dependent variable) is maximum in 2007 valuing at 0.07 and the minimum value is observed in 2001, 2002, 2003 and 2005 at 0.02. The standard deviation is also not very high i.e. around 0.02 as compare to other variables except in the year 2007 in which it touches it maximum of 0.07. Table 4.2 also provides descriptive results of tangibility, liquidity, age and risk for the period of seven years from 2001 to 2007 for the life insurance sector of Pakistan. The mean values and standard deviations of tangibility is around 0.03 and 0.02 respectively in all seven years from 2001 to 2007.The mean values of liquidity are indicating an increasing trend from the minimum of 1.70 in 2001 to the maximum value at 6.36 in 2007. The standard deviation is also establishing an increasing trend from a minimum value of 0.76 in 2001 to a maximum value of 8.63 in 2007.The mean value of risk is at its lowest level in 2003 at 0.58 with a minimum standard deviation of 0.45 while these values have reached their maximum level in 2007 i.e. 6.35 and 6.51 respectively. Analysis Table 4.2 reports the results of regression analysis in which seven independent variables are regressed by using the data of life insurance sector of Pakistan from 2001 to 2007. The value of R square (0.816) indicates that performance of life insurance companies is nearly 82% dependent on independent variables i.e. size, leverage, growth, tangibility, age, risk and liquidity. Therefore, performance is mainly defined by these seven variables of life insurers in Pakistan over seven years. Table 4.2 indicates that leverage is negatively and significantly related with the performance of the life insurance companies. This predicts that the performance of highly levered Pakistani life insurance companies is not up to the mark. Table 4.2 also shows that coefficient of variable size is positive and statistically significant at 1% level. This predicts that performance of large size life insurance companies is better than small size companies. The negative coefficient of growth indicates a negative relationship between growth and performance. However, this negative relationship is found to be statistically insignificant with the p-value of 0.809. Therefore, growth is not considered as a proper explanatory variable of performance in life insurance sector. The beta values of explanatory variables tangibility and liquidity are 0.507 and 0.001 respectively with the positive coefficient sign. However, tangibility and liquidity are not statistically significant with the large p-values. Therefore, tangibility and liquidity are not Model Unstandardized Coefficients Standardized Coefficients t Sig. B Std. Error Beta (Constant) .010 .051 .204 .841 Leverage -.265 .090 -1.579 -2.940 .008* Size .038 .009 1.722 4.120 .001* Growth -4.69 .000 -.032 -.245 .809 Tangibility .507 .367 .183 1.382 .183 Liquidity .001 .003 .058 .205 .840 Age -.003 .003 -.235 -1.169 .257 Risk .004 .002 .374 1.903 .072** considered a powerful explanatory variable to define the performance of life insurance companies in Pakistan over seven years. Negative coefficient of variable age specifies the Table: 4.2 Regression Coefficients Their Significance level R Square 0.816 Adjusted R Square 0.749 F statistics 12.062 * Significant at 1% level **Significant at 10% level ______________________________________ negative relationship between performance and age of the Pakistani life insurance companies. However, the relationship between performance and age is statistically insignificant. Table 4.2 indicates that the coefficient of variable risk is positive and statistically significant at 10% level. According to the nature of insurance industry, ratio of total claims to total premiums (loss ratio) is used as a proxy to measure the risk of the life insurance companies in Pakistan. Positive sign shows a positive relationship between performance and risk of the insurance companies i.e. performance increases with the increase of loss ratio. Conclusion The current study investigates the impact of firm level characteristics on performance of the life insurance sector of Pakistan over the period of seven years from 2001 to 2007. For this purpose, size, profitability, age, risk, growth and tangibility are selected as explanatory variables while ROA is taken as dependent variable. The results of OLS regression analysis reveal that leverage, size and risk are most important determinant of performance of life insurance sector whereas ROA has statistically insignificant relationship with profitability, growth, tangibility and liquidity. TABLE 4.1: Descriptive Statistics Years Leverage Size Growth Performance Mean SD Min Max Mean SD Min Max Mean SD Min Max Mean SD Min Max 2001 0.80 0.21 0.45 0.99 6.02 2.12 3.06 8.93 11.53 11.90 3.22 32.39 0.02 0.01 0.00 0.03 2002 0.81 0.20 0.47 0.99 6.21 2.11 3.29 9.07 22.21 23.52 3.68 60.99 0.02 0.01 0.00 0.03 2003 0.82 0.19 0.51 0.99 6.50 2.08 3.57 9.20 37.18 32.62 8.30 90.71 0.02 0.01 0.00 0.03 2004 0.79 0.24 0.38 0.99 6.68 2.09 3.56 9.31 22.20 27.93 -1.78 61.16 0.03 0.02 0.00 0.05 2005 0.83 0.21 0.47 0.99 6.95 2.03 3.96 9.53 31.18 10.30 24.97 48.98 0.02 0.02 0.00 0.05 2006 0.84 0.20 0.49 0.99 7.21 2.02 4.24 9.68 31.79 26.14 3.74 72.78 0.03 0.02 0.00 0.06 2007 0.79 0.30 0.26 1.00 7.51 2.06 4.50 10.03 34.82 9.25 22.44 45.66 0.07 0.07 0.00 0.17 TABLE 4.1 (Continued): Descriptive Statistics Years Tangibility Liquidity Age Risk Mean SD Min Max Mean SD Min Max Mean SD Min Max Mean SD Min Max 2001 0.03 0.02 0.00 0.06 1.70 0.76 1.07 2.65 16.60 20.40 6.00 53.00 1.92 1.33 0.70 3.94 2002 0.03 0.02 0.00 0.06 1.73 0.86 1.14 3.01 17.60 20.40 7.00 54.00 0.83 0.47 0.40 1.34 2003 0.03 0.02 0.00 0.05 2.18 1.11 1.22 3.72 18.60 20.40 8.00 55.00 0.58 0.45 0.18 1.34 2004 0.02 0.02 0.00 0.04 2.24 1.77 1.09 4.85 19.60 20.40 9.00 56.00 3.34 3.08 0.00 7.23 2005 0.02 0.02 0.00 0.04 3.02 2.26 1.15 5.94 20.60 20.40 10.00 57.00 4.70 2.15 1.23 6.36 2006 0.02 0.01 0.00 0.03 3.98 2.72 1.36 7.37 21.60 20.40 11.00 58.00 3.60 3.86 0.51 9.72 2007 0.02 0.02 0.00 0.05 6.36 8.63 1.33 16.33 22.60 20.40 12.00 59.00 6.35 6.51 1.78 16.00 Table: 4.2 Regression Coefficients Their Significance level Model Unstandardized Coefficients Standardized Coefficients t Sig. B Std. Error Beta (Constant) .010 .051 .204 .841 Leverage -.265 .090 -1.579 -2.940 .008* Size .038 .009 1.722 4.120 .001* Growth -4.69 .000 -.032 -.245 .809 Tangibility .507 .367 .183 1.382 .183 Liquidity .001 .003 .058 .205 .840 Age -.003 .003 -.235 -1.169 .257 Risk .004 .002 .374 1.903 .072** R Square 0.816 Adjusted R Square 0.749 F statistics 12.062 * Significant at 1% level **Significant at 10% level

Career Plan Essay -- Business Career Goals Plans

My Career Plan The future is uncertain for me, but it is important to develop a career plan that will provide financial support and personal fulfillment over the course of my professional life. To make this transition from school to a professional career, I am going to plan a plan that will help me stay focused and motivated in meeting my goals and objectives. In the next paragraphs, I will explain my ten-year plan for my professional career and incorporate some of Mr. Bolles ideas in how to do this process. At the end of my career, I want to be recognized as a positive team leader who can bring the best out of her subordinates and help increase profits for the company. I believe it can be achieved due to the impact on people’s lives around me in school and out. California State University Monterey Bay prepared me for these objectives by implementing teamwork, passion for your career and love for diversity. I do realize to accomplish all that I want to, I have to be motivated and keep a positive attitude as I continue to learn new skills. â€Å"If a thing turns you on, you’ll be good at it; If it doesn’t, you won’t†, said by David Maister, because you have to love what you do in order to enjoy life and produce great outcomes in your job selection.[1] Especially now with the turmoil in the economy, if you have a great job, you are blessed and hold on to it. Therefore, in the next paragraphs, I will show you my ca... ...bs. ----------------------- [1] Bolles, Richard. (2009). What Color is your Parachute? (pg 20) Retrieved on April 8,2009, from http://books.google.com/books?id=2P-0JiwZ2cIC&pg=PA129&dq=what+color+is+your+parachute+online+reading#PPP1,M1 [2] Bolles, Richard. (2009). What Color is your Parachute?(pg 4) Retrieved on April 8,2009, from http://books.google.com/books?id=2P-0JiwZ2cIC&pg=PA129&dq=what+color+is+your+parachute+online+reading#PPP1,M1 [3] Bolles, Richard. (2009). What Color is your Parachute? ( pg 8) Retrieved on April 8,2009, from http://books.google.com/books?id=2P-0JiwZ2cIC&pg=PA129&dq=what+color+is+your+parachute+online+reading#PPP1,M1 [4] Bolles, Richard. (2009). What Color is your Parachute? (pg 9)Retrieved on April 8,2009, from http://books.google.com/books?id=2P-0JiwZ2cIC&pg=PA129&dq=what+color+is+your+parachute+online+reading#PPP1,M1

I Was a Willing Participant :: Personal Narrative Writing

I Was a Willing Participant Toward the end of last semester, I registered for this class mainly for one reason: I had had Emily as a professor before, I liked her class and her teaching style very much, and I wanted to again take a class she was teaching. This was my first opportunity to do so, and I jumped on it. In the bulletin, the class was described as the Graduate Writing Seminar, and through the grapevine, I found out it was not a creative writing class, but instead, a study in critical feminist pedagogies.What the hell, I thought. Ià ­ll take it anyway. After all, I really just wanted to take another class with Emily, whatever the topic might be. Over winter break, I started thinking about who else would be in the class. I am sure some of the usual suspects would be in Dixon 432 on that first day. Sure enough, when I walked, in I saw Alicia, Megan, Kate, and Kelly, just as I had expected. Before that first day, however, the number one thought going through my mind about this class and the makeup of my classmates was, of course, just how many males would be in that room. For a while, I thought I may be the only one, but I shook that thought out of my mind pretty quickly when I reminded myself that, after all, this was grad school, and the guys here were actually open minded and weren't afraid to take a class containing the prefix fem. I was right. In walked to see Gary and Leon. I had had classes with both of them before, and I knew their ways of thinking, so I felt à ¬safe.à ® (Though I must admit that when Gary first proclaimed himself a à ¬feministà ® in Sharon Lewis' class last semester, my initial thought was à ¬this guy just wants to get laid.à ® That was stupid and wrong.) So here I was, one-third of a population of a class that was certainly not going to be the topic of discussion for the next 5 or so months. I was ready to accept that. The program here at MSU had given me many chances to expand my thinking in ways that I had not previously been exposed to, and this class was yet another in that long line.

Essay --

The Economy, Monetary Policy, and Monopolies Alesia E. Davis Strayer University Eco-100 Dr. Shadrack Koros December 6, 2013 Analyze the current economic situation in the U.S. as compared to five (5) years ago. Include interest rates, inflation, and unemployment in your analysis. According to an article in the Wall Street Journal posted on the 6th of December 2013, employers in the United States have continued to increase jobs at a fixed pace and the unemployment rate fell in November, a sign of stronger economic growth that may intensify debate within the Federal Reserve about reducing central bank bond purchases as early as this month. (Wall Street Journal, 2013) U.S. payrolls rose by 203,000 last month, the Labor Department said Friday. The unemployment rate dropped three-tenths of a percentage point to 7.0%, the lowest level in five years. (Wall Street Journal, 2013) Economists surveyed by Dow Jones Newswires had forecast nonfarm payrolls would rise by 180,000 and the unemployment rate would tick down to 7.2%. Payroll numbers in September and October were reviewed up by a combined 8,000. Friday's report may strengthen expectations that the Fed will soon slow the pace of its $85 billion a month in bond purchases. At their October meeting, officials were looking to end the program "in coming months." The Fed's program, started in September 2012, is designed to keep long-term interest rates low, boost investment and spur hiring. (Wall Street Journal, 2013, New York Times, 2013) In October of 2013, the US inflation rate eased for the third straight month to 1 percent, the lowest rate since October of 2009. Primarily due to a drop in gasoline prices in September, the price dropped to ... ...t possible competitors from entering the market. (O'Sullivan, A., Sheffrin, S., & Perez, S. (2012)) â€Æ' The Wall Street Journal - Breaking News, Business, Financial and Economic News, World News & Video - Wall Street Journal - Wsj.com. (n.d.). Retrieved from http://wsj.com The New York Times - Breaking News, World News & Multimedia. (n.d.). Retrieved from http://NYT.com Interest rates: The big freeze - Jan. 22, 2013. (n.d.). Retrieved from http://money.cnn.com/2013/01/01/news/economy/interest-rates.moneymag/ O'Sullivan, A., Sheffrin, S., & Perez, S. (2012). Survey of economics: Principles, applications, and tools (5th ed.). Upper Saddle River, NJ: Pearson-Prentice Hall. Job Creation. (n.d.). Retrieved from http://useconomy.about.com/od/Employment/tp/Job-Creation.htm The Bell System| History| AT&T. (n.d.). Retrieved from http://www.corp.att.com/history/history3.html

The Climate Crisis

The Climate Crisis Global warming: an increase in the earth's atmospheric and oceanic temperatures widely predicted to occur due to an increase in the greenhouse effect resulting especially from pollution. Given the definition it may not sound as scary as it actually is. The whole process of global warming is a science in itself. It may also be known as ‘the climate crisis' because scientists believe that the occurrence of such extreme temperatures will bring our earth to turmoil. Almost) President A1 Gore irected an Academy Award winning documentary on the topic called ‘An Inconvenient Truth'. The film went into great detail on evidence that scientist have found about the effects of global warming. Awareness was the meaning behind Gore's movie but the first step to helping ourselves is knowledge. The Sun plays the main part in the process of global warming. It shines its rays down on earth giving us heat and reflecting back up into the atmosphere. Kind of like when you s hine light in a mirror, it reflects back at you.It has been discovered that the Sun's magnetic field has doubled since 1900. This tells us that changes in the Sun have had a hand in the recent general warming of the earth's climate. If the sun's rays come down on earth and are trapped from going back into the atmosphere it causes the temperature to rise and therefore causes numerous issues with the climate and our personal health. Pollution is the main cause of global warming. It is defined as: the release of chemicals and particulates into the atmosphere. Some examples areCarbon monoxide, Sulfur dioxide, Chlorofluorocarbon, and Nitrogen oxide produced by big industries and car emissions. When there is an overabundance of pollution in the air the sun's rays get trapped on earth because of something called the Ozone layer. The Ozone layer is the part of the Earth's atmosphere which contains relatively high concentrations of Ozone (03). This causes the ozone to be like a blanket on to p of the earth which then causes the temperature to rise. Drastic changes in the weather have been the cause of two storms killing millions of people in the last entury.Scientists behind Gore believe this is Just the beginning of things to come from global warming. They have discovered that since the earth is so hot the snow caps from the northern and southern poles are melting. This is causing our beaches to be washed away from rise in sea level. In the future it is predicted that the sea level will rise at least an inch per year. It may be inevitable but it isn't completely unstoppable. When you think of the things like warm days spent on the beach, you should probably cherish them.Someday they may not be there for you to enjoy as your summer tradition. There are some ways you can help reduce the occurrence of the ‘climate crisis' that you may not even know about. Changing a light bulb toa fluorescent light bulb will change 150 pounds of carbon dioxide a year. Recycling and driving less also stop pollution therefore helping our ozone layer out. Global Warming may be something we can't completely stop but we can certainly try to keep it within controllable limits. By ashleymariel 114