PAPER ASSIGNMENT Part2 Research Example | Topics and Well Written Essays - 750 words

ASSIGNMENT Part2 - Research Paper Example This paper gives a detailed analysis of the building with focus on the materials used in its construction, form, size, number of rooms, historical background. The building’s location, political, social, economic significance is also covered. The construction of the current building known as the Buckingham Palace started in 1703 after William Winde developed its design (Mellett 196). Since then, it has undergone several remodeling and renovation phases that have led to its current form. Despite its old age, the building looks attractive and glamorous courtesy of the high profile type of materials used in its construction. In particular, the building was built using quality materials that include stones, limestone, natural artifacts, bright colored scagllola, concentrated cement, ballast, strong metal and creamy scheme. The materials have enabled it to remain stable to date. Its designers were keen to developing a building that would stay new and strong for long a fact that was indisputable. The building is located in the city of Westminster, and it acts as the official residence of the UKs monarchy. It also serves as the Monarch’s principal workplace where he discharges his official functions (Mellett 196). Many leaders have been using the building due to its quality, design, and strategic location. Preference of the building by the subsequent leaders is attributable to its spacious nature, quality, superior design, and serene location. Similarly, it has several rooms that are fully furnished with pertinent incentives that support good life. Buckingham Palace is a well-structured building that measures 24 meters in height and sits on over 77,000m square meters of floor space. It has a large garden that accommodates many vehicles and various activities. The palace has over 775 rooms that are well fitted with quality fixtures and fittings that are ever attractive (Mellett 197). The rooms include 19

Time value of money for Starbucks Essay Example | Topics and Well Written Essays - 500 words

Time value of money for Starbucks - Essay Example There is some uncertainty as it relates to the repayment date. The interest rate could be higher and lower than it is currently. I would also take into consideration the risk involved in buying the bond as well as the opportunity cost involved. Starbucks is currently in financial difficulty and so there is a possibility that I may not receive the payment in a year’s time but at a later date. I would therefore require an interest rate which is higher than normal because of the additional risk involved with buying bonds in Starbucks instead of another bond or in an alternative investment. To account for the additional risk I would actually add a risk premium which would account for the uncertainty involved in investing in Starbucks. Discount Rate for Starbuck Bonds According to Brigham and Ehrhardt (2005) finding present values is known as discounting. The discount rate that would be used to calculate the amount to be paid would be dependent on the going interest rate on similar bonds. For example, if the current going interest rate is 8% and I expect it to increase to 9% in a year time then I would require a return of 9% on my investment. In this case I would need an additional 3% in order to cover the additional risk involved. Therefore the interest rate expected would increase to 12% (9% + 3%).

Mysticism in East Asia Essay Example | Topics and Well Written Essays - 500 words - 4

Mysticism in East Asia - Essay Example lly under took this belief as its major faith and it was the first country in the east to actually become as modernized and successful as the western countries. Zen is considered to be an important aspect of Buddhism which was followed in Japan. This principle was a part of the faith which mainly came in existence at the time of the Second World War. Though it is believed that Zen was a principle which promoted peace and the coming together of people and also was associated with the modernization of Japan, it is also considered to be the reason for the disastrous nuclear bombings that took place during this war. The reason behind this is that it promoted success and it pushed Japan towards breaking the western domination. Dogen is considered to be the central figure in the belief of Zen. His presentation of Zen showed that it was the ultimate form of leading a life. He considered peace of mind and meditation to be the ultimate reality of life. He taught the princggggiples of Buddhism explaining the fact that mind and body should be brought together. He believed that a person should understand his soul and that a person should spend time every day by not thinking and completely concentrating. He would then achieve spiritual level and become a true Buddha. The teachings of Dogen concentrated upon the understanding of the self and the unity of the body and soul which should be able to work in alignment. Dogen laid great stress upon the understanding of the inner self. His teachings present a picture that a person could achieve success if he achieved an understanding of his inner world properly and for that proper consideration of time and concentration was important. He explained that a proper inner appearance was necessary for a proper external appearance and external presentation. His teachings can also be considered to have an impact on modernity. Though he presented his teachings in the thirteenth century, they were understood and utilized by the Japanese in

Assessment Essay Example | Topics and Well Written Essays - 750 words - 1

Assessment - Essay Example The research teams have extensive experience in relevant fields hence they can conduct efficient studies and collect relevant disease data of all patients. They are conversant with patient recruitment and retention. The health personnel use both innovative and remote methods to recruit and retain patients to be enrolled for data collection. This body is very important since it has improved the living standards of patients through ethical and up to standard medical research due the professionalism practiced. It is also referred to as Shadow records. Physicians, pharmacists, psychologists and other health professionals maintained records of patients they attend. These records include copies of patient care information cards. The health record departments receive documents that carry information about a particular patient. Records received from Unit Medical Record (UMR) are forwarded to the health professionals to keep together with other patients’ records. All these comprise CMR and should not have any original document other than copies of the originals. CMR can also be Common Medical Record and this represents patient health history. It is mandatory that all health organizations in the Federal government synthesize health history of all patients. CMR is very valuable when health sector or organizations are tracing the root cause of diseases (Kominski, 2000). Health organizations process and reimburse claims. The organization billing departments are responsible for processing claims of third party payers, verification of insurance coverage and billing of Medicare. This process requires that health organizations maintain substantial information. The type of the service provided to the patient determines the type of billing forms that the third party payer will be issued with. The most common standard forms used by health organizations in United States of America are CMS-1450 and UB-92. These forms are submitted to third party

Comparative Foreign policy Essay Example | Topics and Well Written Essays - 1250 words

Comparative Foreign policy - Essay Example On the Necessity of Individual Level of Analysis in Understanding of Case Policy Outcome 7 I. Foreign Policy Theories, Use by Foreign Policy Analysts Theories are proposed explanations relating to the workings of things. In foreign policy studies, theories refer to the major theories relating to the field of study, and they are mainly liberalism, realism, Marxism, and constructivism in some texts. Theories are essentially tools that foreign policy analysts use to make sense of the actions of states in relation to each other, and in the context of global economic, political arenas of actioni ii. As the definition suggests, theories are the distillation of insights, writings, studies and observations about the actions of states in the real world, distilled on the assumption that states act in certain ways, based on certain underlying motivations, dynamics, and historical circumstances. Theories are used on the assumption that given a set of conditions, states will act in defined ways m oving forward. iii II. Liberalism, Realism- Key Analytical Components, Comparison and Contrast Realism posits that the key characteristic of the international order is disorder, or anarchy and chaos. In the absence of an organizing principle, or a body of law to mediate disputes and the general conduct of nations when dealing with other nations, the operative principle is power. Therefore, nations act and watch out for their own interests in the main. Self-interest and self-preservation, the advancement of one's own interests, is the rule and the defining consideration when crafting foreign policy. Realism has several implications for the way the world system of politics and economics is shaped. Power is the currency, and where one state amasses power, that automatically translates to threats to the inner integrity of other states. Balance of power becomes an important consideration. Moreover, viewed from a realist perspective, the power currency translates to an obsession with proj ecting power and defense capabilities, as reflected in military might. Nations then act out and craft foreign policy in relation to that perceived and actual power residing on their military capabilities. Military power then becomes a central analytical component when reading the actions of nations in the international stage, with some superpowers such as China acting in ways that are different from those with some power, and those who have no power at all. Constraint and independence in crafting foreign policy are reliant on the size of a nation's military capabilities. At the weak end of that spectrum, very weak nations are the most constrained. Middle powers meanwhile yield considerable power, and act in ways such as forming alliances to balance out the power of the strong states. iv Liberalism, in contrast, views the world order not in terms of balance of power and military might, but in terms of interdependence, for instance through the interdependence of nation economies, and how such interdependence shapes more cooperative stances, a greater emphasis on world bodies that foster cooperation and dialogue, such as the United Nations, and nations, especially less powerful states, towing the line in terms of adhering to the rules of the global market. Market forces are relevant considerations, and so are the economic and political implications of interdependence as shaping foreign policy for different countries. The operative principle here is that of

Education Insurance Awareness Essay Example for Free

Education Insurance Awareness Essay An Overview In 1965, Yarri proposed the use of life insurance to insure against lifetime uncertainty resulting for the mortality risk of individuals. Premature death of a family head can bring serious financial consequences for the surviving family members because the family head’s earnings are lost forever leaving unfulfilled financial obligations, such as dependents to support, children to educate, and a mortgage to repay. Life insurance allows individuals and families to share the risk of premature death with many others and to alleviate the financial loss from the premature death of the rimary wage earner (Garman Forgue, 2006). The purchase of life insurance is one of the most important purchasing decisions for individuals and families (Anderson Nevin, 1975) and it is a critical component of a long-term financial plan (Devaney Keaton, 1994). 2). Introduction to Child Education Insurance Policy A child education policy is a life insurance product specially designed as a savings tool to provide an amount of money when a child reaches the age for entry into college normally 18 years old and above. The funds can be utilised to partly meet a childs higher education expenses. Also, if purchaser opts for a payor benefit rider, an education policy provides the assurance that, in the event of an untimely demise of the parents or legal guardian, the child will have access to funds to help finance his or her education expenses. Under a child education policy, the child is the life assured, while the parent or legal guardian is the policy owner. 3). Types of child education policies available in life insurance market. There are two main types, i. . an endowment or investment-linked policy. The difference between the two lies in the structure as well as the nature of investments. 3. 1) Endowment policy is an endowment policy combines a savings component with protection coverage. Endowment policy may be either participating or non-participating. As the name implies, non-participating policy do not participate in the life insurance funds profits but all insurance benefits are fully guaran teed. On the other hand, for participating policy, a portion of insurance benefits are guaranteed. However, the ultimate amount of benefits at maturity is not guaranteed as these depend on the performance of the insurance companys participating life insurance fund. 3. 2) Investment-linked policy is an investment-linked policy combines the elements of investment and protection based on your requirement as the policy owner. It offers flexibility as you are able to increase or top-up your monthly premium contribution as your income improves. If you wish to be more aggressive with the instruments of investment, an investment-linked policy will also allow you to choose the types of funds your money will be invested in. However, like any other similar investment, there are higher risks involved and there are no guarantees on the returns, which may be higher or lower than projected. 4). Research Background An increasing trend of education expenses to enter college or university nowadays, a lot of parents using financial sources such as Employee Providence Fund or rely on borrowing from Perbadanan Tabung Pendidikan Tinggi Negara to afford the study expenses of their son after leaving secondary school for a higher level of study. As an alternative source of financial protection against high education expenses, parents can purchase an education insurance starting from their children young age. Compare with withdrawal of lump sum of money from EPF (Employee Providence Fund) or make borrowing from PTPTN (Perbadanan Tabung Pendidikan Tinggi Negara), a parents just need to pay for a small amount of premium and parents as a payer can be covered by insurance in case death or total permanent disablement occurred by paying for an extra insurance rider in the particular education insurance policy. Therefore, this research carried out to examine the level of awareness among parents in Sibu Region towards education insurance provide by insurance companies in Malaysia. This thesis aims to examine both the type and amount of life insurance purchased by households. To this end, comprehensive models of households’ demand for life insurance were developed, which included demographic variables (age, education, employment status, health status, number of children, marital status, and race), economic and assets variables (income, homeownership, debts, as well as portfolio elements such as liquid assets, certificates of deposit, mutual funds, bonds, stocks, individual retirement accounts, annuities, other miscellaneous financial assets, and nonfinancial assets), and psychographic variables (attitude toward risk, attitude toward leaving a bequest, and one’s expected life expectancy). The effects of these factors on either term or cash value life insurance purchased by households were examined separately. Research Objective General objective To examine the parent’s awareness towards education insurance. Specific Objective 1). To investigate whether parents had purchase education insurance or not for their children at their young age. 2). To identify from which channel of information that made parents aware of education insurance. 3). To identify whether insurance industry playing an effective role in promoting education insurance in life insurance market. ). To examine parents interest towards education insurance products administered by insurance company in insurance market. 5). The main purpose of this study is to examine whether demographic factors influence the purchase of education insurance among parents in Sibu Region. Research question 1). Do you know there is education insurance product in insurance market? 2). Had you purchased any education insur ance from any insurance company for your children? 3). Had any insurance agent approach or introduce and give explanation to you regarding education insurance? 4). Are you willing to purchase any education insurance for your children? 5). what type sources of information you needed to enhance the knowledge regarding education insurance? Problem statement Financing child’s education is one of the major investments that any wise parent is prepared to undertake. A sound university education is not only among the basic requirements to establish a good career; it can also form the foundation of your child’s intellectual maturity for life. We all start learning since birth and the brief period of academic education in our lives represents another landmark in a life-long learning process. But given the high cost of education and the competition to enter well-known universities, it is necessary to have an investment plan to fund our children’s brief sting of three to four years in university. With the limited places available in local universities, many Malaysian students have wisely invested in university education abroad. Faced with the rising costs of overseas university education, how can parents save and invest to finance the tuition fees, let alone the living costs. The depegging of the ringgit from the U. S. dollar last year is a welcome move for many Malaysian parents because under the flexible exchange rate system, the ringgit is likely to appreciate over the long term. This will help Malaysians reduce the cost of overseas education in popular countries such as the U. K. , U. S. and Australia (Charles Goh, www. fimm. com. my/pdf/investor/articles/09). One of the biggest worries for parents nowadays is how to fund their children’s education, which does not come cheap. In addition, as with everything else, education expenses, is it in foreign and local colleges/universities, private primary and secondary schools are expected to trend upwards in future (Elaine Ang, http://thestar. com. my/ September 18, 2010). The trend is upwards as far as education costs are concerned. In predicting the future, we can only use assumptions such as cost and inflation factors in child education planning. The general increase for local studies is about 3% per year and foreign about 5% and this applies to a general business degree of three years (Mike Lee, CTLA Financial Planners Sdn Bhd managing director, 2010). An average increase of between 5% to 7% annually in education costs for studies locally and in countries such as Britain, United States, Australia, Canada and Singapore excluding foreign exchange rate fluctuations. Moreover, there are certain years where the increase can be in a lump sum instead of percentage depending on the circumstances. (Matthew Gan, E. T. Education Services Sdn Bhd managing director, 2010). Some of the common mistakes parents make when saving for their child’s education fund are starting too late, saving without investing and not considering foreign exchange fluctuations for those who aim to send their children overseas. It is important to determine what the education costs are in current value and identify a suitable savings and investment vehicle. Some parents don’t even have a clue how much education costs (Yap Ming Hui, Whitman Independent Advisors Sdn Bhd managing director, 2010). Save and invest your money as early as possible. Let your money grow with your child, school fees for primary and secondary education range from RM15,000 to RM17,000 per annum with an average 10% increase in fees every two years (Rina Thiagu-Kler, Marketing manager Sri KDU, 2010). Because of less study and difficulties to obtain data regarding education insurance demand in Sibu Region. A brief interview conducted with Mr. Ten Kim Loong, Unit Manager of Kumpulan Elite Ten from Etiqa insurance agency on 2nd December 2011 where he indicated that most of the insurance product demanded by household within Sibu region is medical card and personal accident policy, it is because the premium affordable by policyholder, moreover among the clients approached did not know what policy to purchase and how much sum insured should be enough for protection need†. A discussion session also conducted with Mohamad Faizuli Bin Abd Karim, a financial planner from Takaful Ikhlas Sdn Bhd reveal that among the prospects that approached by him saying that they are not interested in any of insurance products and they worried the premium payment can become an extra expenses as per we noticed the living standard and price of basic necessity good are very high nowadays. The Breakdown of Schooling Expenditure As shown in Table 2, the average cost of schooling overall was found to be RM1,782 per student per year. The cost in rural areas which averaged RM1,590 was about 22 per cent lower than urban areas.

King Henry VIII of England: Wives and Legacy

King Henry VIII of England: Wives and Legacy Outline Henry VIII Reigned as king of England from the 21st of April in 1509 until his death on 28thof January in 1547, King Henry VIII who ruled for 37 years and 282 days was the second son of King Henry VII and Elizabeth of York. His older brother Arthur, Prince of Wales got married to Catherine of Aragon in 1501 when Henry was 10 years old. Soon after Arthurs wedding, his wife, Catherine, and he went to live in Wales, seeing that was tradition for the heir to the throne. However, four months after their marriage began, it ended with Arthurs death. Later on, An agreement was signed that would allow Catherine to marry the next heir to the throne which was Prince Henry. Until then, Catherines parents, Ferdinand and Isabella of Spain would send over 100,000 crowns worth of plate and gold as a wedding gift and Henry would pay the agreed upon dowry. It was viewed as necessary for a papal dispensation to be issued permitting Henry to marry Catherine, as she was his dead brothers wife, and this marriage was illegal in Leviticus. At the time Catherine denied that her marriage to Arthur had even been accomplished so no dispensation was needed. However, permission from the pope was wanted and received due to both parties in Spain and England who wanted to be sure of the legitimacy of the marriage. Arthurs death caused Henry to be the upcoming king in a very young age and that Henry was shy of 18 years old, but he did prepare himself for this situation after his brothers death. When people hear the name Henry VIII they would not want to see an 18 year old boy so he was not what people really expected. Henry was not the heavy and ill kind of person in his later years. Instead in his youth, he was handsome and athletic. He was tall as well as he had a bright red-gold cap of hair and beard balding and unhealthy man that is often remembered. Henrys marital career is probably the thing that he is most known for. Shortly after becoming king, Henry VIII took Catherine of Aragon as his bride on 11 June 1509. King Henry had inherited  £1.5 million pounds from his father and had succeeded in the first peaceful transition of power after the Wars of the Roses. He then brought a youth and vigor to the court that had long been lacking and that Henry dreamed of glory beyond the hunt and argues. Catherine of Aragon Wife # 1 Catherine of Aragon was rased in a family of kings and queens and she was intended to become one herself. As she was about four years old she was betrothed to the future king of England. After her first husband dies, Catherine of Aragon by 1505 married Henry VIII. She satisfied this destiny. Soon after their marriage, Catherine finds out that she is pregnant, but with a stillborn daughter. Subsequent to that she gave birth to a daughter called Mary. But Henry was scared that hell die before having a boy to take his name after him and at the same time Catherine could not really produce a male heir. After all she became a victim of Henry VIIIs inability to produce a male heir. For this reason, she was removed from her throne and her marriage annulled. Although, maybe not the most memorable of Henry VIIIs wives, she certainly had left a mark on history. Anne Boleyn Wife # 2 In 1528, Anne showed real interest in religious reform and may have gave some of her ideas to Henry, and gaining the hatred of some members of the Court. The legal argues about the marriage of Henry and Catherine of Aragon continued on. Anne was no doubt frustrated by the lack of progress. Her famous anger and tongue showed themselves at times in famous arguments between her and Henry for all the court to see. Anne feared that Henry might go back to Catherine if the marriage could not be annulled and Anne would have wasted time that she could have used to make an advantageous marriage. Sometime near the end of 1532, Anne finally gave way and by December she was pregnant. To avoid any questions of the legitimacy of the child, Henry was forced into action. Sometime near St. Pauls Day, Anne and Henry were secretly married. Although the Kings marriage to Catherine was not dissolved, in the Kings mind it had never existed in the first place, so he was free to marry whomever he wanted. On May 23, the Archbishop officially proclaimed that the marriage of Henry and Catherine was invalid. Anne later on recognized that it was urgent that she produce a son. By January of 1534, she was pregnant again, but the child was either miscarried or stillborn. In 1535, she became pregnant again but miscarried by the end of January. The child was reported to have been a boy. The Queen was quite upset, and blamed the miscarriage on her state of mind after hearing that Henry had taken a fall in jousting. She had to have known at this point that her failure to produce a living male heir was a threat to her own life, especially since the Kings fancy for one of her ladies-in-waiting, Jane Seymour, began to grow. Although Anne gave birth to a girl named Elizabeth, she got executed since she could not produce a male heir so he can come after the king. Jane Seymour- Wife # 3 In September 1535, the King stayed at the Seymour family home in Wiltshire, England. It may have been there that the king noticed Jane. Henrys love for Jane was secretly made that no one noticed but until February of 1536. By that point, Jane probably pegged to be in a position such as the one Anne was in as a queen, and that she would love to replace her, while Henrys unconcern in Anne was obvious. Within 24 hours of Anne Boleyns execution, Jane Seymour and Henry VIII were formally betrothed. On the 30th of May, Henry and Jane were married. Jane never had a coronation, unlike Henrys previous two Queens. King Henry was waiting for Jane to prove herself by giving him a son. It was not until early 1537 that Jane became pregnant. During her pregnancy, Janes every whim was indulged by the King Henry was convinced that Jane, whom he felt to be his first true wife, carried his long hoped for son. In October, a prince was born at Hampton Court Palace and was christened on 15th of October. T he baby was named Edward. Mary, daughter of Catherine of Aragon, was godmother and Elizabeth, daughter of Anne Boleyn, also played a role in the ceremony. Jane attended her sons christening, although she was weak. She died on October 24th, just two weeks after her son was born. Anne of Cleves- Wife #4 Henry VIII remained single for more than two years after his beloved, Jane Seymours death. Maybe he was giving some acceptance to the thought that he lost his previous wife, Jane Seymour. Henrys first marriage had been a foreign alliance of sorts, although it is almost certain that the two were truly in love for some time. His next two brides were love matches and Henry could have had little or no monetary or political gain from them. Henry did also want to be sure he was getting a desirable bride, so he had agents in foreign courts report to him on the appearance and other qualities of various candidates. He also sent painters to bring him images of these women. Hans Holbein was sent to the court of the Duke of Cleves, who had two sisters, Amelia and Anne. Holbein painted the sisters of the Duke of Cleves and Henry decided to have a contract drawn up for his marriage to Anne. At the end, Anne was probably smart enough to know that she would only be making trouble for herself if she raised any obstacles to Henrys attempts to annul the marriage. She testified that the match had not been accomplished and that her previous engagement to the son of the Duke of Lorraine had not been properly broken. So at last she got what she wanted, a divorce. Kathryn Howard Wife # 5 Katherine Parr Wife #6 Edward VI Mary I (and know as Bloody Mary) Mary Tudor is the daughter of King Henry VIII and Katherine of Aragon, born on February 18, 1516.she was well educated and was able to speak and write in both Latin and French. Moreover she studied theology and history. At age eleven Mary translated a prayer of St Thomas Aquinas from Latin to English and under the tutelage of Katherine Parr learned to translate Erasmuss Paraphrases of the Gospel of ST John from Latin. One of her hobbies is playing music such as the lute and virginals like pro at an early age. After her father annulled his marriage to her mother in 1533 this had a heavy hearted affection on Mary. The child that was loved and adored by both of her parents wound up in hostile arguments with her father. Henry became a hard hearted man towards the daughter he was supposed to love and she felt she had to be her mothers champion and stand up for her mothers rights. Katherine always made it clear to everyone that she felt that she was the real wife of King Henry VIII and that she would not do anything to endanger her daughters and rightful place on the throne. In 1533 her father secret married Anne Boleyn and they soon expected a child. When her half sister Elizabeth was born on September 7th 1533, Marywas proclaimed a bastard and not eligible to inherit the crown. The favor was then passed on to her younger sister. Marys pride was humiliated even further when she was forced to be a lady in waiting to Elizabeth. Anne mistreated Mary and lowered her self esteem by uttering nasty threats at her and even tried to have her own father sentence her to death. Elizabeth Tudor Henrys second wife Anne Boleyn gave birth to a daughter named Elizabeth, born on September 7th 1533. When she was a year old an act of succession was passed in her favor, which made her heir to the throne in place of her older sister Mary. In her young life Elizabeth had a number of governesses one of whom was Lady Margaret Bryan who had to beg Cromwell for night gowns and chemises for the princess once she grew out of them. Clothes that had been ordered by the princesses mother Anne Boleyn. When Elizabeth was four Margaret Bryan was transferred to the household to become governess to Prince Edward. Elizabeth was taughtmathematics, history, geography, architecture, needlework, dancing, riding and deportment. Elizabeth spoke and read Latin, French, Italian, Flemishand Greek. The princess spent most of her child hood in different royal houses in the northern part of London. The first house in Hatfield was a redbrick palace built by Cardinal John Mortor between 1480 and 1497. As a child Elizabeth rarely visited her father at the palace. Henry VIII would send someone to make inquiries about her health and education. When Elizabeth was eight years old her second cousin Katherine Howard was beheaded for committing adultery which brought back the terrifying way in which her mother died. Henry never intentionally expected her education would prepare her to become Queen. Elizabeth was not beautiful, but she was appealing to the eye. She had inherited her fathers red hair and hooked nose. She inherited her long pale face, pointed chin and witty eyes from her mother. Elizabeth was well composed, well mannered and posed certain gravity and was described as a witty and gentile young lady. She was also a strong minded woman and strived to work hard in everything she did.