Monday, January 20, 2020

Tissue Engineering Essay -- Organ Transplant Medical Health Essays

Tissue Engineering Tissue engineering, labeled by Time.com as the number one hottest job for the 21st century, holds great potential for medicine and the treatment of chronic diseases and disorders. With tissue engineering, familiar problems like the rejection of foreign tissue by the body, the severe shortage of organ donors, and the inefficiency of artificial devices may be solved. However, this cutting edge biotechnology has already spurred intense controversy over the ethics and morality of creating spare human body parts. The goal of tissue engineering is to grow tissues and neo-organs that can be used for transplants. Tissue engineers must first decide what type of cell they want to use and stimulate to grow. Because animal cells may be unsafe and rejected by a human immune system, human cells are preferred when the end goal is an organ for human use. Embryonic stem cells may be used, but it is difficult to be able to coax the cells to differentiate into the specific cells needed for the organ (e.g. liver cells). Progenitor cells are not fully differentiated and thus can be stimulated to grow into different cell types. For example, there is a progenitor cell that can form into either bile-producing cells or cells that line bile ducts, depending on the way it is manipulated in culture. For a wound or bone fracture, an injection of growth factors can stimulate the specific cells around the wound to regenerate and facilitate healing. The specific cells can also be grown in bioreactors that simulate the conditions of a human body and expose the cells to growth factors. Using the cultured cells, tissue engineers then seed them on a molded scaffold. The scaffold is made out of a biodegradable material that disintegrat... ...th kidney disease, and she, the recipient of two brand-new engineered kidneys, displays a quasi-jealousy over the patient who will have dialysis treatment and receive attention every week. With neo-organs readily available to replace diseased and worn out organs, what will happen to doctor-patient relations? We may be able to one day perfect tissue engineering, but a flawless science will not do much so long as we have emotionally flawed humans like Olivia and Troy. Sources Langer, Robert S. and Joseph P. Vacanti. â€Å"Tissue Engineering: The Challenges Ahead.† Scientific American April 1999: 86-89. Mooney, David J. and Antonios G. Mikos. â€Å"Growing New Organs.† Scientific American April 1999: 60-68. â€Å"What Will be the 10 Hottest Jobs?† Visions of the 21st Century. 1 May 2000. http://www.time.com/time/reports/v21/work/mag_ten_hottest_jobs.html.

Sunday, January 12, 2020

Summary of the “Bigger Piece of the Pie”

The number of all hospitals in the country is declining.   Since 1975, there was a 1/6 less on the total number of hospitals.   Investor owned facilities is currently on the rise.From the year 1993 it started to spring high until 1997 and then there was an incremental decrease afterwards but it continues to rise up to the year 2003.   By the end of 2003, investor-owned hospital comprised 16% of the nation’s community hospitals.   Public hospitals are also diminishing in numbers as well as the not- for profits which decline more than 10 %.It is a continued long term decline that was neutralized by the 2002 figure wherein there was a slight increment.   According to observers it will likely to remain stable in the next coning years or will decline slightly.   This can be explained by the infeasibility of small hospitals commented by the professor and director of the health policy and administrative division for the School of Public Health at the University of Illinoi s Chicago.   More patients prefer to go to large hospitals which were of their driving distance.   Conversion of not-for profit hospitals to for-profit hospital is also outpacing.The biggest factors remains a access to capital-investor-owned chains have it, while access is much more varied for not for profit systems.   Many of the broad measures of credit quality, such as annual median figures for profitability and debt coverage but the prosperity is not uniform throughout the sector even if many are performing better.  Ã‚   Investor owned hospitals are squeezed with bad debt expense but they were able to attract equity and debt capital.   Private firms were attracted in order to recapitalize the companies.   Hospitals are also in mess regarding reimbursement of high commercial insurance companies.Due to the high rates of the hospitals, the insurers were prompted to push for a double digit percentage increase premiums for employers.   Facing a fourth year of double-dig it premium hikes, companies have been getting tough this year, pushing a lot more of those costs back onto their employees in the form of higher co-payments and other cost-sharing arrangements.Recognizing the limitations of those tactics, the survey found employers looking to longer-term solutions and possible government intervention to head off the unrelenting increases.   If this continues, employers may drop coverage and push more of their costs to employees, thus making an even more bad debt for the hospitals.However, if they decide to lower the premium increase, they would not be able to boost the reimbursements the way the hospitals are used to.   Meanwhile, the pressure is now building up for not for profit hospitals regarding charity care.   It is an emerging issue whether or not the not-for-profit hospitals exert pressure on for-profit hospitals to provide charity care and whether for-profit hospitals react differently than not-for-profit hospitals to managed care pre ssures and hospital competition in providing charity care.Nowadays, a mixed ownership markets, for-profit hospitals provide significantly less charity care as not-for-profit hospitals in the market provide more. Unexpectedly, for-profit hospitals were not more influenced by price competition than other hospitals with respect to charity care. Having a unique role in providing charity care may justify continuing tax exemption for not-for-profit hospitals and enhance interest in payment and other policies with regard to conversions to ensure that not-for-profit hospitals continue to be represented in market areas.I think the effect of these increases reflected our today economic climate.   As for the charity care of the not-for-profit hospitals, I wonder if it’s their way of breaking tax and being exempted in paying a large amount.   A report by the Internal Revenue Service in July found that not-for-profit hospitals nationwide vary widely in how they report and define their community services.   I believe that the lack of consistency and uniformity makes it difficult to assess the hospitals compliance with the current law.   I think, the changes brought by the IRS would make it easier to compare hospitals and also would help ensure greater accountability.ReferencesCrenshaw, A. (2004).   Health Insurance Costs Keep Rising.   Retrieved on February 29, 2008 from http://www.washingtonpost.com/wp-dyn/articles/A8287-2004Sep9.html  

Saturday, January 4, 2020

Social Anxiety And Emotional Intelligence Among Adults

Social Anxiety in Relation to Emotional Intelligence among adults Several decades ago, researchers revealed new academic terms that is useful in studying human behavior. Emotional intelligence and social anxiety concepts were developed from social contexts in relation to psychology. The two concepts can be studied consecutively with a correlation created between them. Emotional intelligence can be defined as the capability to manage and identify individual emotions and those of other people (Bhochhibhoya Branscum, 2015). On the other hand, Social anxiety is defined as the fear of interacting with people that creates a feeling of self-consciousness or being negatively judged (Blackhart, Williamson, Nelson, 2015). In other words, it can†¦show more content†¦High social anxiety among adults is linked to poor self-control or emotional intelligence especially during interactions. Although the relationship between social anxiety and emotional intelligence has been so far tested by few researchers, all of them have agreed on the correlation. Th erefore, the current study seeks clarify the correlation between social anxiety and emotional intelligence among adults. Self-control is very important among adults in the society but not everyone has its possession. It can be termed as poor or good depending on the degree of self-control. Social anxiety and emotional intelligence can be tested in a conversation where the individuals engage each other in a natural environment (Blackhart, Williamson, Nelson, 2015). It is important for adults to have self-control while engaging in social interactions. Emotions are considered one of the most important sources of information as well as facilitate the processing of information among adults. Many psychologies researchers have agreed on most roles of emotions in their interpretations guided by intelligence in a social conversation. Furthermore, they agree that emotions influence the thought system of an individual and that of other people as well as guide their actions. In addition to that, social anxiety is a basic element of human behavior since it involves the failures and successes related to emotional intelligence. The use of emotions cannot be avoided especially inShow MoreRelatedStages Of Development Across The Lifespan Essay1535 Words   |  7 Pagesdisorders and depression or anxiety. In this day and age, adolescences are concerned more than ever with their body image which can lead to obsessive dieting causing eating disorders. The three most common adolescent eating disorders are bulimia nervosa, anorexia nervosa, and obesi ty. Although eating disorders are more prevalent in females, males also experience these disorders. Adolescence are also under immense pressure and this could lead to depression and anxiety. It is normal for children andRead MoreProposal Defense Abused Children and Nurture Groups An Intervention1500 Words   |  6 Pages Dr. Ronald W. Radcliffe Nova Southeastern University April 27, 2012 ââ€"   Describe in detail how the facilities might be customized to resemble a home environment and the educational techniques based on the principles of nurture for emotional intelligence development. In order to provide a home/educational environment, a peaceful, relaxing, cozy and curiosity enticing environment, a group of qualified professionals in the disciplines of child psychology, parenting/nurturing, architecture,Read MoreEmotional Intelligence and Empathy in Leadership Essay example1702 Words   |  7 Pagesto survive in the workplace has affected the lives of everyone involved as interpersonal skills are declining especially among company executives. Are academic institutions to blame for this obvious lack of concern for others in the workplace? It has been suggested in the following studies that higher level education is lacking in regard to the study of emotional intelligence and empathy within their business leadership programs. Empathy is defined as, â€Å"the feeling that you understand and shareRead MoreThe Effect Of Helicopter Parenting1368 Words   |  6 PagesHelicopter parenting is a form of upbringing where a parent is more likely to help their child wit h all of their problems. It is not uncommon for these parents to pay their child’s bills and continue doing their laundry among other things when they’ve reached their secondary education (e.g. College, University). (Meno) This type of parent doesn’t necessarily control everything the child does, but they protect them from any possible loss or failure in attempt to help them succeed. Though many haveRead MorePatterns of Child Development Essay868 Words   |  4 PagesPatterns of Child Development The various aspects of child development encompass physical growth, emotional and psychological changes, and social adjustments. A great many determinants influence patterns of development and change. On the average, a newborn baby weighs 3.4 kg (7.5 lb) and is 53 cm (21 in) long, with the head disproportionately larger than the lower part of the body. As the child grows, increments in height are greatest from birth to three years; thereafter they are relativelyRead MoreEmotional Intelligence On The Early Childhood Development2293 Words   |  10 PagesAbstract Emotional Intelligence assessments have been used to predict a person’s success or failure in regard to school, business and life. There are many studies that provide evidence of the benefits of emotional intelligence to children, adults, parents and employees. A child’s emotions are often treated as petty, irrational and immature, when it is during childhood that children need to be taught how to deal with emotions. The objective of this paper is to give significant evidence that thereRead MoreCognitive Behavior Therapy ( Cbt ) Is Effective For Treating Depression And Anxiety With Patients With A Mental Health Essay1387 Words   |  6 Pageseffective for treating depression and anxiety with patients with a mental health diagnosis with an intellectual disability. the American Psychiatric Association defines cognitive behavioral therapy as an evidenced based approach for treatment of depression and is recommended as the treatment of choice is proven to reduce anxiety and depression. The purpose for my paper is to research weather or not cognitive behavior therapy is effective for decreasing anxiety and depression in patients with a mentalRead MoreThe Effects Of Prenatal Alcohol Exposure On Children1388 Words   |  6 Pages(â€Å"Fetal Alcohol Syndrome†). Alcohol enters the bloodstream and then can travel throughout the body. Alcohol reaches the placenta, and therefore exposes the developing baby. Of course, the undeveloped fetus cannot metabolize the alcohol quickly like an adult can, and consequently, the alcohol lingers in the baby’s organs and tissues. The alcohol retained in the organs and tissues interferes with the fetus’ oxygen and nutrition intake. Naturally, interference with the intake of essential things for lifeRead MoreHow Self Regulation Impacts Resilience1378 Words   |  6 Pagesallowing for a more holistic approach, though a variable focused approach is used when examining resilience to produce empirical results. It employs a variety of tests to measure the wide range of factors from prevalence of clinical disorders, such as anxiety, to the impact of chronic stressors, and competence in tasks required in daily life, within the developmental status of the individual. The study recognizes its limitations in determining causality due to the cross-sectional nature of the study, asRead MoreThe Persistence Of Temperament And Personality1469 Words   |  6 Pageswhat results a person’s personality it does not mean personality is unchangeable. The Persistence of Temperament and Personality According to data collected in 2013 by The National Institute of Mental Health ,forty-eight million adults of age eighteen and older were reported to suffer from some kind of mental illness and were not aware of it , therefore left untreated (2013, NIMH). The importance of that statistic is to illuminate how many people could have led better lives and

Friday, December 27, 2019

Story of a Hispanic Immigrant - 1102 Words

Exciting Characters 2 Jose the Hispanic Immigrant (Give this person a title) I am Hispanic immigrant who came to the United States as a farm worker when I was 15. At the time, I was sent to Southern California where I picked peaches and worked in a vineyard. After the season was over, is when I would return to Mexico and prepare to go back the next year. I have been doing this for many seasons and just started working with the Custom Cutters. They travel from Texas to Canada harvesting wheat. The job begins in April and lasts until the beginning of September. (Custom Cutters, 2007) I am a hard worker and who is excited about the new prospects of making more money. At the same time, this has the opportunity for future employment on a similar crew (depending on the outcome of the current position). Yet, as an immigrant, I am often seen as an outsider. My proficiency with the language is improving quickly. This is helping me to find better jobs. Moreover, I wanted to support my family and moved to the US per manently. This means that I will be away from them continually for the next several months. Write a description of this person and their surroundings (A prologue, like Chaucer) I am 25 years old and have lived in the United States for three years. I am a legal resident and have a wife who is an American citizen. We have one daughter together. Recently, I left to travel with Custom Cutters starting in Texas. On our trips, we are frequently driving at night andShow MoreRelatedAmerican Culture And Its Impact On American Society1599 Words   |  7 Pageshave Hispanics began to enter American Society and how have they assimilated or integrated to become part of it? Hispanics are a minority group who have overcome many struggles and stereotypes throughout history. It is important to know how it all started and how they managed to become such a huge part of todays society.  Hispanics Americans constitute more than 15% of the U.S population, and the number is still growing. It is the country’s largest ethnic minority group. When Hispanics enterRead MoreEssay on The Impact of Latin American Immigration on America1553 Words   |  7 Pages1990s to the present time, immigration from Latin American countries has more than doubled. Mexico is one of the leading providers of immigrants to the United States. According to the United States Census Bureau, 16.3 percent of our nation’s population consists primarily of people with Hispanic or Latino background (4) (This percentage does not include illegal immigrants). By understanding the background and development of immigration, the effects of immigration on the economy and culture, as well asRead MorePost Traumatic Stress Disorder : A Psychological Study884 Words   |  4 Pageswhich concluded Hispanics are at a greater risk of PTSD and experiencing traumatic events compared to non-Hispanics such as Pole, 2005 and Perilla et al., 2002. However, this did not remain true in the psychological study on Latin American immigrants, Perreira et al., 2013, w here 34% of Latinx immigrant adults and 29% of Latinx immigrant adolescents experienced a traumatic event. On the other hand, Kessler et al., 1995 and Copeland et al., 2007, studies done primarily on non-Hispanic whites in theRead MoreDemographic Profile : Goshen, Indiana1329 Words   |  6 Pagesgenerations of Hispanic immigrants living in Goshen (â€Å"Quick Facts- Goshen Indiana† 1). Most of the citizens, no matter the race, work for industrial employers. The major employers are Norfolk Southern, a railroad and transportation building company, and the Always in Stone Monument Company (â€Å"Hoosiers by the Numbers† 1). Employed by the same people, the citizens of Goshen live interspersed within each other. The houses of the white are neighbored by the houses of the immigrant Hispanic right next doorRead MoreImmigration Policy Of The United States And Its Effects On Hispanic Immigrants1541 Words   |  7 Pages0292321_SPAN2311.MHS_ForeignLanguageWritingAssignment Tanya Meinecke-Smith SPAN_2311_MHS 06 December 2014 Immigration Policy in the United States and its Effects on Hispanic Immigrants Whether with a cold shoulder welcome or a open arm embrace, the United States has constantly received a range of global immigrants, over half whom originate from Latin America (migrationpolicy.org). Largely driven by the prospect of the â€Å"American Dream,† the Latino immigration movement began in the 1840s and has fluctuatedRead MoreJoy Luck Club Themes Essay1046 Words   |  5 Pagesduring the times of the four mothers. Each mother had come from china because the Japanese were causing damage and destruction across China. This is very like the article named, â€Å"U.S. Appetite for Mexico’s Drugs Fuels Illegal Immigration.†, about immigrants coming from Mexico into the U.S., due to all the drug trafficking because of the cartel in Mexico and the multiple border states across the U.S... the immigration in the novel is very like the immigration from Mexico due to the cartel. While theRead MoreEssay on The Duality of the American Dream in Amy Tan’s Two Ki nds1055 Words   |  5 PagesFor millions of immigrants, America has been seen as the land of opportunity where anyone could become anything he or she wanted to be. A family that believes strongly in the American dream can be found in Amy Tan’s short story, â€Å"Two Kinds.† The story centers around the daughter of a Chinese immigrant who desperately wants her daughter to become successful. In the story, the author shows the difficult lives immigrants face when moving to a new culture. In this short story, the theme shows the protagonist’sRead MoreLa Traffic Jam On The Highway Essay1401 Words   |  6 PagesIn addition, most of the workers are Hispanic immigrants. This depiction of immigrant labor is prevalent in El Norte. The film shows a large number of Hispanic immigrants working not only in factories, but also in the service industry, specifically in restaurants and cleaning services. Conversely, the film shows white people as the ones eating at the fancy restaurants, buying high-end clothes from the factory, and—in general—enjoying the services of immigrant labor in LA. This reveals a very importantRead More English Should be Americas Official Language Essay1749 Words   |  7 Pagesdiversity from the countless immigrants coming in to our port cities, looking for a more prosperous future, a necessary tie is needed to bring the people of the nation together. Interaction with others --communicating-- is what gets everyone through their days and is essential to living. Without communication between people daily, the lack of communication would bring consequences throughout the world. Transactions among businesses would not be completed, sharing a story with a friend would neverRead MoreSatire In Family Guy1384 Words   |  6 Pageshow they interact with others each day. People judge others because of their race, ethnicity, religion, and heritage before they even know the person. These judgements come from stereotypes they encounter in their lives. There are plenty of news stories, movies, and television shows that portray these stereotypes. H owever, Seth McFarland’s television show â€Å"Family Guy† uses satire to highlight stereotypes in today’s society. The show’s use of ethnic humor includes a lot of groups, like Muslims/Arabs

Wednesday, December 18, 2019

Plato Essay - 2063 Words

1. a) Explain how Plato’s epistemological assumptions shape his metaphysics (Why does he think that there must be Forms? Hint: Plato says (in effect): â€Å"Since knowledge is certain, therefore the objects of knowledge must be unchanging.†). b) Define Plato’s Forms and present the theory of Forms by explaining the â€Å"divided line.† (You can use the visual image, but explain it.) Plato was extremely devoted in answering the sophists’ skepticism about reason and morality. To do so, he spent more time than any philosopher before him studying knowledge, or epistemology. He realized that to answer the sophists’ skepticism he had to first solve the three main problems that earlier philosophers had left behind; the problems of change, the†¦show more content†¦Plato’s theory of Forms led him to many assumptions, one of the most important of which is his view on the form of â€Å"man† and his relation to the state. He understood that no one man has ever been perfect and that each man participates in the form â€Å"man† to different degrees. Individual men are adequate copies of the true form of â€Å"man†. Plato believed that the men who participate in the form more fully are going to more real, and therefore better, then the men who participate less. This is better explained by his philosophy of the nature of man and his analogous relationship to the state. Plato recognized the nature of man as a psyche, or soul, that was grouped into three main parts. Each of these three parts have motions proper to them that he believed, if harmonized, would lead to eudaimonia, a total well-being. The first, and lowest, part of the soul he called the appetites. The highest part Plato called reason. The third part, between appetite and reason, he called spirit. He saw the state as having three main parts as well, each corresponding to one of the three parts of the human psyche. Every state needs a governing body, whether kings or congress, so this will be the first part. The second is reserved for the essential producing class, which includes merchants, industrial workers, agriculturists, and so on. Third, Plato held that every state needs a group, between the governing and producing classes, to maintainShow MoreRelatedEssay on Plato1158 Words   |  5 PagesPlato: The Life of Plato Plato was born around 427 BC, in Athens Greece to rich and politically involved family. Platos parents spared no expense in educating him; he was taught at the finest schools. He was taught by Socrates and defended Socrates when he was on trial. Plato traveled to Italy and may have even visited Egypt before founding The Academy. Plato also visited Sicily and instructed a young king there before returning to The Academy to teach for twenty years before his death in 347Read MorePlato Essay2296 Words   |  10 Pages I will present the argument for how this behaviour can be interpreted as being conservative using narratives from Crito and The Republic. Lastly, I will argue why this behaviour instead demonstrates that Socrates was a radical. In the Apology, Plato provides a narrative of Socrates defence for using the elenchus, an exhaustive questioning method, to stir the position of Athenian citizens on traditional values (Jowett, 2009). Derived from various arguments in The Apology, Crito, and The RepublicRead More Plato Essay1588 Words   |  7 Pages Socrates ideal city is described through Plato in his work The Republic, some questions pondered through the text could be; How is this an quot;idealquot; city formed, and is justice in the city relative to that of the human soul? I believe Socrates found the true meaning of justice in the larger atmosphere of the city and applied that concept to the human soul. Socrates describes his idea of an quot;ideal cityquot; as one that has all the necessary parts to function and to show that justiceRead More Plato Essay1001 Words   |  5 Pages The great philosopher, Plato, wrote two specific dialogues; the book Timaeus and the book Critias. Plato was a professional teacher who valued intelligence immensely. Plato founded the first Philosophical Academy in Athens in the early fourth century BC. He devoted his life to philosophy and the teachings of his friend Socrates. Plato learned from Socrates and passed on his knowledge to his students. After his friends sudden death, Plato became dissatisfied with the government in Athens. He filteredRead MorePlato Essay1058 Words   |  5 Pages In 428 B.C. Aristocles (later known as Plato) was born in Athens. He was born on the island of Aegina, which lies just twelve miles off shore from Athens in the Saronic Gulf (Havelock 3). Aristocles was born into a great political family (Friedlander 14). His father being the descendant of Codrus, the last king of Athens, and his mother was descendant from the great Athenian law maker Solon (Friedlander 15). Like most adolescent children his ambitions were far from anything his parents had everRead More Plato Essay623 Words   |  3 PagesPlato Plato was born in Athens to a wealthy family and lived from 429-347 B.C.E. He was Socrates greatest student and held his teacher in such high regard that in most of his works Socrates plays the main character. Some people doubt the existance of Socrates but, like nearly everyone else who appears in Platos works, he is not an invention of Plato: there really was a Socrates (Kraut). Plato wrote many works asking questions about terms such as justice, piety, and immortality to name aRead More Plato and the Republic Essay2585 Words   |  11 PagesGreek philosopher named Plato has laid the foundation for Western culture. Plato was born to an aristocratic family in Athens in 428/427 B.C. As a young man, Plato studied poetry, but later under the tutelage of the famed Socrates, turned to philosophy, who introduced him to the ethical importance of the pursuit of wisdom. Plato was also influenced by the writings of pre-Socratic thinkers Pythagoras and Parmenides in the areas of mathematics, metaphysics, and epistemology. Plato was a prolific writerRead More Platos The Symposium Essay2187 Words   |  9 Pages nbsp;nbsp;nbsp;nbsp;nbsp;In Greek culture around the time of Plato, the perfect ideal person was considered. Plato’s idea that there was a perfect world of ideas affected this pieces subject and the subject’s action. Many works of his time period were sculptures that were meant to be viewed from all angles, attempting to be a closer match to that of the ideal. This idea that the ideal world was real and what matter not the physical also effect the actions depicted in many works of this timeRead MorePlato Essay2739 Words   |  11 PagesPlato Biography Plato was born in Athens of an aristocratic family. He recounts in the Seventh Letter, which, if genuine, is part of his autobiography, that the spectacle of the politics of his day brought him to the conclusion that only philosophers could be fit to rule. After the death of Socrates in 399, he travelled extensively. During this period he made his first trip to Sicily, with whose internal politics he became much entangled. He visited Sicily at least three times in all and mayRead More Plato Essay1982 Words   |  8 Pagesnbsp;nbsp;nbsp;nbsp;nbsp; Plato’s theory of individual justice, as it is to be found in politeia’s 4th book, needs a more modern stabilization. Therefore, I will try to reach a deeper understanding of his theory. a)nbsp;nbsp;nbsp;nbsp;nbsp;Plato himself states an argumentum a fortiori in shape of a maiore ad minus in the Politeia at 434d by saying that what is to be found in the â€Å"ideal city†, has to be resided in the individual as well. That is a good argument, as it lives on account of the

Tuesday, December 10, 2019

Retirement Saving

Question: How to evaluate the significance of retirement saving? Answer: The study mainly aims is evaluating the significance of retirement saving, which are conducted by individuals to increase asset valuation. Furthermore, the study also helps in Arquette to make adequate investment decisions to increase its overall asset accumulations after her retirement. Furthermore, the novice effectively calculates annual mortgage and loan amortizations table to help Arquette to make adequate investment decisions. Furthermore, the study effectively portrays different calculations and graphs, which could be used in analysing and evaluating mortgage payments conducted by Arquette. The impact of superannuation fund to boost individuals wealth is also explained in this study. Evaluating the significance of retirement fund: Retirement scheme is an effective strategy that is used by individuals to meet its future financial obligations. Furthermore, global change in living standard could only be met with increased investment conducted by individuals in retirement schemes. In this context, Drucker (2013) suggested that with the help of retirement schemes individuals are able to maintain cash inflow after its working year. On the other hand, Wang and Peng (2016) criticised that investment scheme in the current era conducted without effective research could increase risk and hamper investment capital. Furthermore, the rising inflation could eventually reduce capacity of Arquette to meet her future financial obligations. Currently in Australia the standard of living is relatively high and the rising inflation has motivated individuals to make retirement schemes to support their future endeavours. Arquette could effectively with the help of retirement scheme invest and save adequate cash, which might reduce he r burden after the working age. Boyer et al. (2014) stated that individuals to maintain their living standard after their retirement make adequate investments, which might help in generating the required return to support their activities. On the contrary, Abourashchi et al. (2014) argued that retirement produced reduced return during an economic crisis, which mainly liquidates the whole financial market. Furthermore, the International financial volatility and rising commodity prices has mainly helped individual all over the world to maintain a retirement scheme which could help in supporting their expenses after retirement. Moreover, retirement schemes are mainly conservative in nature, which increases investment in fixed interest rate scheme. Landsberg (2014) mentioned that fixed interest rates mainly help investors to attain the required return to support their investing needs. On the other hand, Chingos and West (2015) criticises that some investments strategy does not accommod ate time value of money, which might reduce overall profits of the investor. Around 9.5% of gross income attained by Arquette has to be invested in superannuation fund as mentioned by Australian government. Furthermore, any changes in policy of superannuation could directly have impact on decision making process of Arquette. In addition, the investment that is conducted by Arquette in superannuation fund mainly affects its decision making process. Furthermore, the changes in superannuation rate and policies could directly affect return generation of the Arquette and hamper the overall amount that might be received after retirement. Furthermore, any negative change might limit Arquette exposure in the superannuation fund, while positive impact could increase its exposure. In this context, Rees and Smith (2014) mentioned that investment conducted in higher return schemes could help investors to reduce the negative impact of inflation. On the other hand, Duxbury et al. (2013) criticis es that economic crises could negatively impact all the investment schemes used by investors, which mainly reduce its profitability. In addition, the overall asset valuation at the time of retirement is 1,439,453.43. This amount could help Arquette to fulfil her financial obligations after retirement till the age of 83. Conclusion: The overall study mainly helps in evaluating the significance of retirement fund that could be used by Arquette to fulfil her financial obligations after retirement. In addition, the assignment also helps in evaluating mortgage valuation, which could be used by individual to increase their assets accumulation. Furthermore, with the help of annuity and investment yield calculation the novice is able to effectively depict the retirement amount, which could be enjoyed by Arquette at the end of her retirement age. Reference and Bibliography: Abourashchi, N., Clacher, I., Freeman, M.C., Hillier, D., Kemp, M. and Zhang, Q., 2014. Pension plan solvency and extreme market movements: a regime switching approach. The European Journal of Finance, pp.1-28.Benartzi, S. and Thaler, R.H., 2013. Behavioral economics and the retirement savings crisis. Science, 339(6124), pp.1152-1153.Beshears, J., Choi, J.J., Laibson, D., Madrian, B.C. and Milkman, K.L., 2015. The effect of providing peer information on retirement savings decisions. The Journal of finance, 70(3), pp.1161-1201.Beshears, J., Choi, J.J., Laibson, D. and Madrian, B.C., 2013. Simplification and saving. Journal of economic behavior organization, 95, pp.130-145.Boyer, M.M., Mejza, J. and Stentoft, L., 2014. Measuring Longevity Risk: An Application to the Royal Canadian Mounted Police Pension Plan. Risk Management and Insurance Review, 17(1), pp.37-59.Bryan, C.J. and Hershfield, H.E., 2012. You owe it to yourself: Boosting retirement saving with a responsibility-based appea l. Journal of Experimental Psychology: General, 141(3), p.429.Chingos, M.M. and West, M.R., 2015. Which teachers choose a defined contribution pension plan? Evidence from the Florida retirement system.Education Finance and Policy.Drucker, P.F., 2013. The unseen revolution: How pension fund socialism came to America. Elsevier.Duxbury, D., Summers, B., Hudson, R. and Keasey, K., 2013. How people evaluate defined contribution, annuity-based pension arrangements: A behavioral exploration. Journal of Economic Psychology, 34, pp.256-269.Goda, G.S. and Manchester, C.F., 2013. Incorporating employee heterogeneity into default rules for retirement plan selection. Journal of Human Resources, 48(1), pp.198-235.Huang, E.J., Lu, E.P. and Kao, G.W., 2016. Investment Regulation, Portfolio Allocation, and Investment Yield in the US and China Insurance Industry.The Chinese Economy, 49(1), pp.32-44.Jelen, B., 2013. Calculating Loan Amortization. Strategic Finance, 94(10), p.52.Landsberg, R.D., 2014. Fiduciary Risk Management and Target Date Funds.Journal of Deferred Compensation, 19(2), p.86.Ramnath, S., 2013. Taxpayers' responses to tax-based incentives for retirement savings: Evidence from the Saver's Credit notch. Journal of Public Economics, 101, pp.77-93.Rees, A. and Smith, S.P., 2014. Faculty retirement in the arts and sciences. Princeton University Press.Sialm, C., Starks, L.T. and Zhang, H., 2015. Defined contribution pension plans: Sticky or discerning money?. The Journal of Finance, 70(2), pp.805-838.Spedicato, G.A., 2013. The lifecontingencies Package: Performing Financial and Actuarial Mathematics Calculations in R. 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Tuesday, December 3, 2019

Who Was Right Essays - Apache Wars, George Crook, John Gibbon

Who Was Right? When white men crossed the boundary of the Missouri River, it upset the balance between the pioneers and the red men. Obviously the red men were not happy and lashed out against their white oppressors. Many just saw savages, but much of the American army saw courage and honor. Was it right for members of the army who had just maintained the union of their own society, to dismember the culture of the Native Americans? I believe it was. First of all, the army did not enjoy having to push the Indians back from the lands that the white people wanted, but then they also had to try and convert them to Christianity. The Indians retaliated against the army, but it was the United States government itself that broke the treaties that promised the Indians land and then expected the army to keep the peace through mutual trust. Military action appeared to be the only way to keep white civilians from complaining about Indian attacks on the white man's newly acquired land. An Army official named Sheridan received reports each week about the horrendous acts of violence caused by the red man. It was then that famous phrase was created the only good Indians I ever saw were dead. There were many men like Sheridan who hated the Indians and looked down upon their senseless acts of violence. However, men like William Tecumseh Sherman had a deep respect and admiration for the enemy and his fighting skill. In fact, both Sheridan and Sherman confessed to pity and compassion for the Native Americans they had set out to destroy. Even men like General Nelson A. Miles who had personal reasons for revenge against the enemy showed a deep respect, almost reverence, for the red man. Colonel John Gibbon proclaimed that the record of white hostility and treachery would force any man to fight. Gibbon raised more questions about his own culture than he answered about his enemies. To many soldiers who had the same ideals as Gibbon, the courage and bearing of the red man suggested a purer way of life before the coming of the white men. Some men like General George Crook became more of an Indian than some Apaches. Crook's argument about the Indian violence was that their nature is responsive to treatment which assures him that it is based upon justice, truth, honesty, and common sense. Because he respected their spirit, Crook hesitated to condemn even the most ferocious Apaches. He argued barbarism torments the body; civilization torments the soul. I agree with Crook. White men were just as vile for taking the land as the Indians were for killing them. The idea of noble resistance created by Colonel Carrington overlooked the Indian massacres, but frowned upon the white man's retaliation. This idea was foolish. Murder is murder, it is wrong no matter who commits it. Although there were many who applauded the Indian's actions, their efforts did not deter the whites. The army, for reasons both good and bad, wanted to take control of the administration of Indian Affairs that had previously been held by civilians. This was thought to diminish the American complaining. This mixture of feelings towards the Indians is very curious and interesting. It can be explained by saying that anger and frustration can give rise to these contrasting emotions. The Indians tactics seemed horrible, yet ingenious. Their culture was repellent, but also alluring for its integrity. Charles Wood reveals that respect and compassion for another culture are very unsure checks on violence. The bottom line is that the army had just come out of a civil war and was not ready to risk its own society against that of the Indians. In short, the majority of the American people wanted the red man dead. American History