Bank Financial Management Case Study Example | Topics and Well Written Essays - 750 words

Bank Financial Management - Case Study Example bank has also increased its investment into the Federal Funds which may indicate that the bank’s overall policy may be to invest into risk free investments. Net interest income has shown consistent trends for three years however, non-interest income has declined too in year 1992. The overall risk profile of the bank therefore may be assessed through the mix of investment as well as lending made by the firm. Lending to high risk areas such as lending to companies etc. further investment into more secured avenues such as investing into government securities. The discussion on the interest rates by Mr. Jamison may not be entirely indicate the true assessment of the facts given the fact that it is relatively not known whether the lending made by the Bank is short term or long term in nature. Further the comment on the lack of high quality loans really need to be viewed from the perspective of the overall risk and return appetite of the bank. If the focus is on achieving the consistent returns, Bank may afford to have high quality loans however if the bank is willing to earn higher profitability its portfolio risk may need to be increased. Further, the overall rate sensitivity of the deposits also need to be discussed in much broader concept as it is not only limited to the interest rates but rather its impact on the lending shall also be taken into consideration which has not been discussed at length by various members of the ALCO. The present yield curve indicate the steep increase in the rates and as such there is an indication of increase in short term interest rates what is however, critical to note that the Bank shall focus on acquiring long term deposits rather than making investments into the long term securities. Since short term interest rates are anticipated to change therefore bank shall also focus on making short term loans. This therefore would further require the bank to look for more of working capital and consumer loans rather than increasing its

Health care law Essay Example | Topics and Well Written Essays - 750 words

Health care law - Essay Example This person has no relation to the patient but has been appointed to make health care decisions for him. These laws need to involve another party in such vital decisions, which are put in the hands of only one person (Sabatino, 2010). The surrogate can consent to the health care treatment of a patient even without a court decision. He can also provide consent to the health care provider, should any other procedure have to be performed on the patient. These people need careful consideration before making such important decisions concerning human being (Sabatino, 2010). It is important to consider the implications of leaving such a huge responsibility on one person only. The laws need modification to ensure that such decision-making procedures are handled with care, and the patient gets treatment. It would be reckless to place the whole responsibility of making decisions concerning anther human being solely on one person. The Health Care Surrogate Law requires thorough revision so that it will become more effective and professional. This will be of benefit to all the people concerned. An example of a lawsuit would be a case against a hospital for mismanagement of a critically ill patient and gross carelessness in administering healthcare services. Such a case would be classified as medical malpractice. Such scenario would touch on principles like informed consent. Principles related to the standard of care, causation, and fiduciary law in the physician-patient relationship (Mascarenhas, Kesavan, & Bernacchi, 2013). The argument grounds on the fact that the health care provider breached the principles of standard care and failed to give quality treatment to a patient who suffered because of the negligence of the medical institution. The patient required special attention with a regular observation from qualified medical professionals. Lack of this quality attention led to the general deterioration of his

White Paper Assignment Example | Topics and Well Written Essays - 250 words - 1

White Paper - Assignment Example Therefore, nurses are advised on how to avoid misuse of social media. Misuse would result into a compromised quality of their service delivery (Gagnon & Sabus, 2015). The white paper puts emphasis on the fact that patients’ personal treatment history should be safeguarded by nurses. The information can only be shared for medical purposes with the consent of the patient. Therefore, social media should not be used as a platform for sharing private medical information inappropriately. The health Act on Insurance Portability and Accountability gives the necessary guidance on patient privacy regulations (Hader & Brown, 2010). The white paper is a major boost to the efforts of the policy to improve health care service quality and safety. If the provisions of the paper are adhered to, the management and safe-keeping of patient records will improve. Breach of patient confidentiality will be avoided and good professional conduct will be a major code of operation. If nurses pay attention to their conduct, the services they provide will meet the standards that satisfies patients. Consequently, the quality of health care service will be improved (Henderson & Dahnke,

Public Policing Vs Private Security Comparison Paper Essay

Public Policing Vs Private Security Comparison Paper - Essay Example Such programs include crime prevention and drug awareness. They have the authority to search, arrest, and detain individuals under the provisions of territorial and other police acts. They have the integral responsibility to protect the public property and places. On the other hand, private investigators usually carry out investigations to locate missing persons or obtain information for civil and legal litigation cases. Some of the other important services rendered by them include, ‘investigating corporate fraud, endowing with risk management consultations, and executing security measures to defend property from theft and fire’ (‘Private investigator, 2011). These personnel are not recruited by the government; instead they are directly employed by security companies and public administration industries. The private security personnel renders their services in protecting the ‘mass private property’, which means venues that are privately owned or run, b ut used widely by the public such as the privately owned airports, sporting arenas, or shopping malls. In the same way they offer many services offered by the public police, but they act only on behalf of the employer and not on behalf of the public. Some Distinctive Features Private security professionals like the ASIS helps to develop security management standards and guidelines. Their commission works with numeral national and international standards-setting organizations to advance their security practices. Utilizing the knowledge and experience, they practice worldwide through development of standards and guidelines (ASIS IT security, July 2011). The primary objective of private security officials is to keep up order and enforce rules at public events and concerns. They also provide a vast variety of services like providing armored car service for transporting valuables, controlling the access to venues, and protecting the property from theft and vandalism. Usually corporate co mpanies directly employ the security personnel for their protection and safety. They are also employed at public administration, banking companies, entertainment and recreation industry, transportation and warehousing, healthcare and social assistance, and accommodation and food services. Private security personnel, acting on behalf of the employer have many of the same cranial law enforcement powers as public police have. They are legally able to arrest and detain individuals. The trespass laws, in particular, are frequently used by private securities, because most of such laws allow them to arrest the trespassers. The Supreme Court of Canada defines that â€Å"the trespass acts are the workhorse of private security services in their patrol of the shopping malls, airports, sports stadiums and other private spaces where the public tends to congregate†( In search of security, 2006). Major Differences in Leadership On comparing both policing, we find that public policing and pr ivate security have many distinctive features with regard to leadership. Public policing is the ability to implement the law and maintain order in the society; whereas, private securities are paid agencies which perform defensive and loss-preclusion duties. Though both forces are handling different services and duties, the ultimate goal is to maintain a composed and tranquil atmosphere in the society. In the same way, as Allen and Sawhney (2009, p. 40) point out, the day-to-day activities of police and detectives differ according to

Book review on Olaudah Equiano Research Paper Example | Topics and Well Written Essays - 1000 words

Book review on Olaudah Equiano - Research Paper Example One of Equiano’s masters and a captain in a British trade ship, Henry Pascal, changed Equiano’s name to Gustavus Vassa. This is a name he used his entire life, with an exception of the autobiography’s publishing. Equiano Olaudah travelled extensively during his service to Pascal and succeeding masters. For instance, he visited Holland, England, Gibraltar, Scotland, Nova Scotia, Caribbean, Georgia, South Carolina and the Pennsylvania. After his purchase from Pascal by a Quaker merchant, Robert King, Equiano’s life gradually took a turn. He worked as Mr. King’s clerk and also had the opportunity to explore his minor trades, which enabled him to save some money and later buy his freedom in the year 1766. In the subsequent year, Equiano Olaudah settled down in England where he attended school and worked for Dr. Charles Irving, a prominent scientist, as an assistant. In the year 1792, Equiano married a lady known as Susanna Cullen, with whom they had two daughters before his death in 1797. Equiano’s autobiography is rather intriguing owing to its narrative approach. He begins the book by describing the ordinary life he used to live with his family in Africa, prior to his kidnap. He indicates that he was the last son, hence his mother’s favourite child and irrespective of the large size of his family they had a home and sufficient food. Equiano’s greatest worry was his slight failure in warrior classes, a clear sign of the carefree life he had as a typical young African male. At the tender age of eleven, he heard of rumours that malicious people were kidnapping young children and selling them off as slaves. Equiano remembers climbing trees and looking around to see if these people would come to get him or his siblings. As fate would have it, Equiano, his brother and sister were taken away in the dark of night when his parents were not around. This marked the drastic and change in his life, especially after being separated from his brother and sister. The emotional upheaval caused by the situation is described by the author’s own words that â€Å"She was torn from me and immediately carried away, while I was left in a state of distraction not to be described. I cried and grieved continually, and for several days I did not eat anything but what they forced into my mouth† (54). On reaching a slave market, Equiano got sold and accompanied his new handler to a house where other people spoke his native language, a form of consolation, albeit little given the critical situation. Owing to his dedication to work, Equiano was considered to be the best slave in the house. However, his life changed soon after, when he was loaded into a ship with other slaves with no knowledge of what would happen next. He feigned fainting when being shoved into the ship with the hope of being left behind, to no avail. Equiano had to work as soon as he got into the Virginia bound ship and he remembers how bad the conditions were in the ship, to the extent of most slaves committing suicide by jumping overboard. Equiano spent some little amount of time in a Virginia farm but he was then taken back on the British slave ships and Trade Vessels serving the captains as a trusted slave. It was in the course of sailing, that he was given the name Gustavas Vassa, by Captain Pascal (Equiano 26). When still serving under Captain Pascal, Equiano travelled to many

HOMEOSTASIS Assignment Example | Topics and Well Written Essays - 750 words

HOMEOSTASIS - Assignment Example Insulin facilitates the uptake of the glucose in the blood by cells to result in cellular respiration. However, an excess amount of the glucose remains in the bloodstream. The enzyme facilitates the conversion of excess amounts of soluble glucose to glycogen, an insoluble carbohydrate stored in the body muscles and the liver (Abpischools.org.uk 2013). The body utilizes large amounts of glucose in the blood to perform actions. During periods of illness, the body uses glucose to boost the immunity. As such, the sugar levels in the bloodstream drops below the ideal level, resulting in deficits reducing rates of cell respiration. The situation may also result from increased fasting and starvation. In these periods, the pancreas releases glucagon, which facilitates the breakdown of glycogen in the liver and muscles into glucose for circulation in the blood stream (Abpischools.org.uk 2013). A continuous series of these two processes maintains the level of blood sugar. This is a condition where the blood contains an excess amount of glucose due to failure of the body to use glucose for cellular respiration. The causes of high blood sugar are failure of the pancreas to secrete sufficient insulin or the failure of the cells to respond to insulin. The symptoms range from increased thirst, tiredness to frequent urinating. In this is condition the blood sugar level drops below the ideal level, resulting in a deficit (Abpischools.org.uk 2013). Medications taken orally may result in accidental hypoglycemia. Excessive consumption of alcohol may block the release of glucose into the bloodstream by the liver lowering the blood sugar. The condition may result from the occurrence of some diseases in severe strains in the liver. Kidney disorders prevent the excretion of medication that build up and affect the glucose levels in the blood. Tumors in the pancreas stimulate overproduction of insulin that facilitates

Kindergarten History Essay Example for Free

Kindergarten History Essay The development of early childhood education in the United States has been spearheaded by the need for an emerging society to cope with social and economic challenges. There are at important reasons why early childhood education gained more acceptance through the years. As society opened up to accepting women as part of the workforce, working mothers demanded more institutions that can accept early education for their children. The desire of the government to make their citizens more globally competitive increased thereby supporting education from the very young levels of citizenry. Educators and leaders believed that poor communities have better chances of development if illiteracy is arrested the earliest possible time. And best reason why early childhood education has developed is the great response in children that all programs have been challenged to sustain. Caldwell shares her thoughts on how parents and teachers could sustain this excitement for learning innate in children. â€Å"Yes, its thrilling to be part of that excitement for learning. I think the first thing that adults have to do is respect it. Curiosity is an absolutely wonderful thing, yet sometimes parents and teachers find it annoying-the 50th why question of the day, for example. Parents want to pull out their hair and say, Oh come on, weve talked about that enough. So the most important thing for that excitement and curiosity is to reward it, to let children know that we are impressed that they are curious about something. † (Mabie, 2001) Kindergarten is an educational program for students aged three to seven. Programs usually last from half to full days. Educators believe that the kindergarten is a venue for developing early knowledge, skills and attitude of children that will help them get a jump start at formal education. The origins of early childhood education in the US can be found in Europe. Jean Fredrick Oberlin founded a school in 1767 in France. His wife, Madame Madeleine Oberlin taught children from two to three years old. The school focused on exercise and play and handicrafts. It was more popularly known as the â€Å"knitting† school. In 1837, Freidrich Froebel put up the first school to be called a â€Å"kindergarten† in Blankenburg, Germany. His school became the first school in the world to envision education primarily for children in the pre-schooling age. Froebel is known as the creator of Kindergarten. His concept involved theories of childhood teaching and teaching material development. He also wrote the first Syllabus of Education of Man that listed basic theories of childhood education that guided schools worldwide. Early Childhood School in the US started as early child health centers. They were patterned after the French ‘cribs’ in Paris in 1844 where governments put up these centers to care for children of mothers who had to work. Whether these centers were first found in Philadelphia or New York, where women had to work during the Civil Wars, it is important to note that these centers were focused on caring for these children rather than educating them. But due to the migration of Germans to America, the concepts of kindergarten soon landed on American soil through Margarethe Schurz. In 1856, she put up the first American kindergarten in Watertown, Wisconsin. The school used German as the medium of instruction. â€Å"The first English-speaking kindergarten was found in Boston in 1860 by Elizabeth Peabody. For many years, she traveled throughout the United States, speaking about the purpose of kindergartens and their benefits to children. She helped establish kindergartens wherever she went. The first public school kindergarten was established in 1873 in St. Louis. Susan Blow, the teacher, lectured and taught kindergarten education, continuing to be a champion of Froebelian kindergarten education throughout her life. † (Spodek, 1991) By the late 1920’s, the centers realized that besides keeping the children clean and fed, there was the opportunity to transform the venue to serve for educational needs. â€Å"The average poor child in 1860s St. Louis completed three years of school before being forced to begin work at age 10. Susan Elizabeth Blow addressed that problem by offering education to children earlier. Applying Friedrich Froebels theories, she opened the United States first successful public kindergarten at St. Louis Des Peres School in 1873. Blow taught children in the morning and teachers in the afternoon. By 1883 every St. Louis public school had a kindergarten, making the city a model for the nation. Devoting her life to early education, Susan Blow was instrumental in establishing kindergartens throughout America. † (Watson, 1997) Maria Montessori has been a household name in early childhood education because of the amount of work and research that Maria Montessori has brought into early childhood education. As a physician working in a psychiatric clinic in Rome, she discovered that it was possible to train mentally defective children in order for them to be safer and become part of a productive sector of society. Her success of handicapped children led into her to be hired to help non-handicapped children as well. Her practice and further research helped Montessori develop a curriculum for children that helped them maximize their full potentials in reading and learning. Montessori schools began to get established in the United States before the World War. Although crash in the economy led these Montessori schools to fade in the 1930s, there came a resurgence of Montessori institutions by the 1950s. Though the Montessori Method was very popular, it would be best to note that some Montessori associations are purist of the methods while others were not. Today, early childhood educators are serious and committed in developing the kindergarten in helping future citizens of the country in becoming productive and responsible citizens. References: Watson, Bruce. 1997. Kindergarten. http://www. geocities. com/Athens/Forum/7905/fblkind. html Mabie, Grant E. 2001. A life with young learners: an interview with Bettye M. Caldwell. The Educational Forum. http://findarticles. com/p/articles/mi_qa4013/is_200110/ai_n8999175 Spodex, Bernard. 1991. Foundations of Early Childhood Education. Allyn and Bacon. Boston.