Instant Replay Would Ruin the World’s Most Popular Sport Essay Example for Free

Instant Replay Would Ruin the World’s Most Popular Sport Essay The quarterback gets the snap, lobs it to the corner of the end zone, the wide receiver jumps up†¦.. it’s a catch! But did he get his feet in? Let’s look at the replay. Over 25 years ago on March 11th, 1986, the National Football League (NFL) introduced â€Å"instant replay† into the sports world (Wired, 2009, p.1). This recording technology has slowly worked its way into professional basketball, tennis, baseball many other sports around the world. Soccer, often called Football outside of the United States, is one of the few sports that have resisted the temptation to introduce technology to the officiating of its games. Although the implementation may make the game more precise, this resistance has kept soccer â€Å"pure,† embracing its imperfections and old tradition. To put it in the most basic of terms, instant replay is â€Å"a recording of an action in a sports event that can be shown on television immediately after the original play happens† (Merriam-Webster, 2013, p.1). Instant replay may appear to be nothing but a tool to help officials make the right call, but with benefits comes consequences. One of the consequences of instant replay is an intense slowdown of the time it takes a sporting match to be completed. For example, in the NFL, a 2010 study breaking down a four-game playoff marathon (around 12 hours of broadcast time) resulted in fans watching on average for each of the four games: 67 mins of players standing around, 17 mins of instant replays, 11 mins of actual playing time, and 3 seconds of cheerleaders (The Wall Street Journal, 2010). When replays take up more time then the â€Å"live game,† our priorities, as players, announcers, and fans clearly need to be adjusted. Focusing on these replays often takes the attention away from what is currently going on in the game, which in my opinion takes away from the joy and passion that comes with sport. NFL football, although hugely popular, can’t compete with the fluidity and beauty of Soccer football. The word â€Å"beauty† is often thrown around loosely in describing soccer because of the games continuous ability to surprise. With soccer, the fans have two 45-minute halves sandwiching a 15-minute break. The clock never stops and in many respects, the players and ball never stops. This elegance of 11 players on each side keeping continuous play of one round ball for minutes on end, making passes and runs, and connecting 45-yard balls is where the â€Å"beauty† of the game is established. The simplicity of the game is what makes it so special. This simplicity can’t be compromised by technology, which in turn would cloud the games purity. â€Å"The beauty of sport is its humanity and the sense that it is peopled with people and not automatons.† (The New York Times, 1989, p.2). Berkow in his New York Times editorial puts this idea in the simplest of terms, stating that people play and officiate sports, and to take just a little part of that away is when sport loses its integrity. The technological advances in sport and society in the last 30 years have been unimaginable and the biggest challenge society has had is to know when to use these technologies. The first official rules of soccer were drawn-up by the English Football Association in 1863. Nothing much has changed since then. (Livestrong, 2010, p.3). There is a great source of pride and passion knowing that rules have been roughly the same since this time. The requirement of the players and referees to have the stamina to run for 45 uninterrupted minutes is truly demanding. It requires a dedication not only physical but spiritually, knowing the game has been virtually the same for over a 120 years. The biggest promoters of instant replay technology has been media companies in every sport that instant replays exist. But why? One of the key reasons is the opportunity to stop games and therefore play more commercials, which results in more profits for the networks. The New York Times commented in 2010 that its important to â€Å"never stop the game (of soccer), because that leads to television sticking its grubby commercials where they do not belong.† In fact, purists actually spit up at the thought of â€Å"The Beautiful Game† being interrupted by referees peering at replay video screens (NBC Sports, 2010, p.3). Also from a purely technical approach, there is absolutely no time periods long enough to review any calls. Referees often have 3-5 seconds to make a call. This constant demand to make a call and keep the game flowing is not only what makes soccer beautiful but is how the game needs to be officiated. â€Å"Test cricket, for instance, is made up of 540 separate moments of play balls each day; tennis is a series of points; rugby has regular breakdowns† (Sports Illustrated, 2010, p.1). Other sports have this segmented structured to them, which give them these constant opportunities to review or questions calls. All else aside, soccer can’t have instant replays implemented because that would mean the entire structure and rules would have to change along with them. Many soccer fanatics, particularly in the 2010 World Cup, which there were multiply questionable calls, are fed up with referees missing/making bad calls. Certainly, an argument can be made that instant replay may help change a bad officiating decision. But â€Å"indisputable visual evidence† to overturn a goal or call by a referee on the field could result in a 5 minute pause, which results in the referee returning to announce that there is no conclusive evidence, so the call on the field remains. How satisfying is that to any spectator or competitor? The â€Å"human error† element of game is sometimes an issue but also is a beautiful part of the game. If we had technology run every call, the element of surprise within the game would be lost. There is nothing better than teams fighting back from a few bad calls to come out on top; this ability of athletes to overcome obstacles (bad referees) makes watching soccer all the more worth it. Yet the controversy remains and the fans will continue to be mad at the referees. In the modern age technology is viewed as a solution to almost anything. If you have a hot room, buy an air conditioner to cool it down. But is soccer’s problem that black and white? Can we implement instant replay and we will fix the underlying issue? â€Å"The main difficulty underlying the use of technology to solve social problems is that these problems are fundamentally different from technical problems† (Society and Technological Change, 2014, pg. 31). Now many may argue that officiating mistakes aren’t a social problem, but something like soccer so ingrained into society and culture makes for a different situation. People world-wide have a loyalty and in their mind an obligation to the sport even though many never even step on a field. The implementation of instant replays could cause an absolute outcry world wide because we would be trying to â€Å"fix,† (missed/wrong calls) something that doesn’t need fixing to begin with. In many respects, Soccer is and has become a universal language. Spanning across the globe with over a thousand professional leagues, most ever country has at least one professional league for people to view. Other sports are also played worldwide but not nearly at the magnitude that soccer is at a professional level. Instant replay, if implemented in soccer, would completely change the playing field and spectator’s view of the game. Tarnishing the 100 years of soccer world-wide may cause a loss in the universal language that has been cherished and appreciated for so long. An even playing field for every professional team is just another beautiful part of the game that cannot be tampered with. Finally, I believe soccer allows fans and announcers to get lost in the game. Almost removing themselves from all external forces such as social media, texting, and technology in general and putting focus on the simple game of â€Å"football.† Other sports give you the ability to stay distanced from the game because the most critical points will always be showed over and over again between plays, sets, points. With no stops or ability to look away, real soccer fans stay true to their selves when their team is on because otherwise they may miss something spectacular. The absence of technology in soccer is just another reason why the game is so simple, yet so beautiful. So risking an occasional bad call to retain the fluidity of the sport is something I embrace. â€Å"If one picture is worth a thousand words, moving pictures can speak volumes.† (American Journal Sports Medicine, 2007, pg. 358). The real world has mistakes and the real world doesn’t stop for a 60-second commercial. I vote yes for the real world and all its warts, particularly when it results in allowing myself and the rest of the world to watch and play in the world’s most popular and beautiful game! Bibliography Berkow, Ira. SPORTS OF THE TIMES; Bloodless Instant Replays. The New York Times. The New York Times, 14 Nov. 1989. 26 Sept. 2013. . Biderman, David. 11 Minutes of Action. The Wall Street Journal 10 Jan. 2010: Print. FIFA Shows Its Still Leery of Instant Replay. Yahoo Sports. N.p., n.d. 26 Sept. 2013. . FIFA’s Plan To Quash Bad Call Controversy: Censor In-Stadium Replays. SportsGrid RSS. N.p., n.d. 26 Sept. 2013. . Instant Replay Controversy in Baseball Rears Its Ugly Head Again. Bob Long Sports. N.p., n.d. 26 Sept. 2013. . Instant Replay. Merriam-Webster. Merriam-Webster, n.d. 26 Sept. 2013. . Length of a Regulation Soccer Game. LIVESTRONG.COM. N.p., n.d. 26 Sept. 2013. . March 11, 1986: NFL Adopts Instant Replay. Wired.com. Conde Nast Digital, n.d. 26 Sept. 2013. . Off the Bench. Off the Bench. N.p., n.d. 26 Sept. 2013. . Soccer Could Use Instant Replay, but Not at Expense of the Sports Flow. Soccer Could Use Instant Replay, but Not at Expense of Flow. N.p., n.d. 26 Sept. 2013. . Soccer Resists Instant Replay Despite Criticism. Wired.com. Conde Nast Digital, 30 Nov. 2009. 26 Sept. 2013.. World Football. Bleacher Report. N.p., n.d. 26 Sept. 2013. .

Sense And Sensibility Book Review Essay -- essays research papers

Book Report - Sense and Sensibility 1.) In Jane Austen, Sense and Sensibility, the title is a metaphor for the two main characters Elinor and Marianne. Elinor represents sense and Marianne represents sensibility.We find out early that Elinor does not share her feelings. When Edward comes into the story, there was an immediate attraction. She tells no one of her feelings. It was just assumed that they are meant for each other. When Edward has to leave, Elinor says nothing. Edward does promise he will come down and give Margaret an atlas. When the atlas comes and not Edward, the one who ends up crying was Margaret and not Elinor. We do learn, however, that Elinor can get emotional too. When Marianne was playing the piano at their new cottage, Elinor cries as she listens. She said the song was her late father's favorite. Later on in the story, Marianne kept on nagging Elinor for not sharing her feelings. Finally, Elinor shows her emotions by telling her that she did have a broken heart after she found out that Edward had a fiancee - Lucy. Elinor would definitely represent sense. She keeps her thoughts to herself. Maybe it is because she thinks she will not end up hurting so bad as Marianne did. Marianne, on the other hand, represents sensibility. She follows her heart. She does not let anything come in the way of showing her emotions. When she first met Colonel Brandon, it is obvious that he was in love with her at first sight. Marianne, shows very clear that she was not interested in such an old man like him. However, when Marianne meets Willoghby, it was like a hero rescuing his princess. They fall in love with each other. Marianne does not hide her emotions about Willoughby to anyone, However, in the society that they were in, Willoughby did not think he could marry Marianne because of the social class. In the end, this almost kills Marianne. As Marianne realizes that the Colonel has always been there, she falls in love with him. 2.) My favorite character is Colonel Brandon. I think in a way he is very much like Elinor. He does not show his emotions a whole lot, but he does talk to people about his problems. There were so many instances when he asks Elinor about the relationship between Marianne and Willoughby. He was always depressed to hear and to know that there was no way of getting his lover from Willoughby. However, that does not stop his ... ...old. I also learned that when things do not turn out the way we expected, or when things all the sudden turn down-side, we should react with calmness and composure and not just cry and burst out with our immediate feelings. Patience is the keyword. With patience it is much easier to deal with painful situations. Most of the time, it turns out pretty well if you can think optimistically'. J6.) Yes, I am glad I read this book because it is one of the well-known classics. I see no harm only benefits in reading a book. Sense and Sensibility has given me a better understanding of the women and lifestyle during that time-period. Most of the women back then are pretty much like Elinor and Marianne. Education for them wasn't viewed as highly as now. It seems their parents just want to marry them off to some rich and upper class man so that they may lead a luxurious life without bothering their parents anymore. Also, women back then are a lot more artistic than women now. Most of them play the piano "really" well; if not, they have some sort of other artistic talents. Personally, I'm glad I am born late in this century. I do not know how I could survive if I lived back then!!

Abstracts Xue Chen Simulink Book Wiley

Starting from introducing various MUTUAL windows and on-line help facilities, the fundamentals of MAT LAB programming including data types, statements and matrix representation are explained first allowed by matrix manipulations, such as algebraic computation, logical and relationship expressions and data conversion. Then, flow charts in MAT LAB programming is illustrated, including loop structures, conditional structures, switches and trial structures.MUTUAL function programming and pseudo code processing are covered together with two-dimensional and three- dimensional graphics and visualization techniques. MATT_ABA graphical user interface (GIG) technique sues are explained so that the readers will gain new GUI programming skills to design user-friendly interfaces. Finally, programming kills for delivering high speed, high efficiency codes are introduced with special emphasis on commonly used tips, vectored programming methodology and MIX programming fundamentals for mixed-language programming.Exercises and chapter references cited are included. Programming, data types, program flow control, functions, matrix operations, GIG, code efficiency, vectored programming techniques, MIX (mixed-language) programming. Chapter-03 MUTUAL Applications in Scientific Computations This chapter covers both numerical computation and analytical problem solutions with MAT LAB. Topical parts included in this long chapter are linear algebra, calculus, ordinary differential equation, optimization, and data and signal processing.First, a general discussion about analytical solutions and numerical solutions to mathematical problems is presented with a dedicated argument why using numerical methods. We then start by first explain and illustrate how to solve various linear algebra problems, including the input of special matrices, matrix analysis, similarity transformation, decomposition, generally problems, algebraic equation solutions and matrix function evaluations. It is demonstrat e that the use of MAT LAB in the solution of linear algebra problems is very straightforward and reliable.How to solve calculus related problems in MAT LAB is presented next which includes numerical solutions to difference, differentiation, integration and multiple integral problems, as well as analytical (symbolic) ways in solving certain classes of calculus problems. Then, it comes to the fundamentals of dynamical system simulation techniques that are mainly based on numerical solutions to ordinary differential equations in MAT LAB via numerous examples to illustrate how to solve stiff differential equations, implicit differential equations, stochastic differential equations and differential algebraic equations.Integral transform methods and analytical solutions of differential equations are also dealt with. In particular, the numerical inverse Lovelace transform technique is introduced for solving some complicated differential equations. In the numerical solution methods in optim ization problems, a universal nonlinear equation solver is presented, for finding with ease the possible multiple solutions to nonlinear equations, together with other approaches.Unconstrained optimization problems are explored, followed by inner programming problems and quadratic programming problems as well as ordinary nonlinear programming problems. Dynamic programming techniques and their use in path planning problem applications are discussed as well in a separate section. Finally, this chapter ends with a section introducing data and signal processing methods, including one- and two dimensional interpolation problems and least squares curve fitting problems, data sorting, pseudo random number generating, fast Fourier series transformation and spectrum analysis.Exercises and chapter references cited are included. Key. Fords: linear algebra, numerical and symbolic calculus, ordinary differential equation, numerical inverse Lovelace transform, optimization, dynamic programming, c urve fitting, data interpolation, random numbers, signal processing Chapter-04 Mathematical Modeling and Simulation with Simulating This chapter opens with a historical recall of the evolution of Simulating and a simple explanation of the basic idea of Simulating. This chapter is prepared for those who have little to zero experience with Simulating.First, a brief introduction to various block libraries of Simulating is given, and some of the commonly used blocks are described. Basic manipulations of Simulating blocks such as rotating, connecting and block parameter modification, together with how to build Simulating models, are then introduced and illustrated at the mouse click level. TO grow the Simulating modeling skills, some essential tools are introduced, including the use of the model browser, model printing and simulation parameter settings. To put Simulating in actual use, modeling and simulation techniques are demonstrated with some detailed illustrative examples.Equipped w ith the necessary fundamental knowledge and prepared for more advanced modeling and simulation tasks, the readers are dead to learn linear system modeling and representation methods where L IT Viewer based linear system frequency domain analysis and numerical simulation methods are presented. Finally, simulation methods for continuous systems driven by stochastic inputs are discussed. Statistical analyses of simulation results are given such as probability density function, correlation and power spectral density of the signals in the systems with illustrative examples.Exercises and chapter references cited are included. Simulating modeling, Simulating library, Block-diagram manipulation, Linear time invariant (LIT), Frequency domain analysis, Time domain analysis, Stochastic signal Statistical analysis Correlation analysis Power spectrum analysis Chapter-SO Commonly Used Blocks and Intermediate-level Modeling Skills This chapter will take a closer examination of some commonly used S imulating blocks and their uses in Simulating modeling so in the end of this chapter, readers will be at the intermediate-level in Simulating modeling techniques.First covered is a simple example used to further demonstrate the model representation and modeling skills such as including vectored block modeling and model decoration techniques. Important problems such as the concept of algebraic loops and their elimination, and also the zero-crossing detection method are discussed. Then, Simulating modeling of linear multivariate systems is illustrated, where the L TTL block in the Control System Toolbox is recommended for simplifying the modeling process.Commonly used blocks important in Simulating modeling applications such as the lookup table and various switches are explored. General methods in constructing piecewise linear nonlinearities are introduced for both cases: memory's nonlinearities and nonlinearities with memories. Simulating modeling techniques for various kinds of diff erential equations are demonstrated in a dedicated section. These include ordinary differential equations, differential algebraic equations, delay differential equations, switching differential equations and even fractional-order (Nan-integer-order) differential equations.Simulation result visualization is essential in any simulation task so various visualization output blocks in Simulating are presented, such as scope output, workspace variable output and gauges output. More advanced Simulating output visualization methods are presented, including three- emotional animation methods with virtual reality techniques. Fundamental world modeling with VRRP is briefly introduced as well, and the VRRP models driven by MUTUAL and Simulating output are discussed. Finally, subsystem modeling is introduced using subsystem masking techniques.An illustrative example of Simulating modeling of a complicated system is presented in detail. Exercises and chapter references cited are included. Algebra ic loop, L TTL blocks, Nonlinear blocks, differential algebraic equations, delay differential equations, switching differential equations, fractional-order differential equations, VRRP, World modeling, subsystem masking Chapter-06 Advanced Techniques in Simulating Modeling and Applications Simulating offers powerful direct graphical based programming-free methods to get system simulation tasks completed.In practice, since graphical methods have some limitations, it may be necessary to use command-line based modeling and design methods together with graphical methods. In this chapter, advanced techniques of command-line modeling and application are presented by first introducing how to use MAT LAB commands to create Simulating models. By command-line drawing techniques, complicated Simulating oodles can be created. Then, issues to note during the execution of Simulating models is introduced are discussed. Elimination techniques of nonlinear systems are also addressed.In particular, t he Pad ‘ e approximation to pure time delays is further discussed. It can be seen that not all the models can be constructed with Simulating graphical methods alone. Some of the complicated models can only be created and analyzed using MUTUAL commands. Thus, using a dedicated section, advanced techniques are presented for creating complicated models. S-function programming techniques will be presented ND illustrated and their use in simulation of automatic disturbance rejection control (DARK) systems will be demonstrated as a case study.Finally, command-line based optimal controller design technique with Simulating models is introduced, and optimal controller design methods for nonlinear plants are also presented as an advanced Simulating modeling application example. Exercises and chapter references cited are included. Elimination, Delay approximation, S-function programming, Masking S-function block, Automatic disturbance rejection control, Optimal controller design, Global optimization,Chapter-07 Modeling and Simulation Of Engineering Systems Simulating models can always be constructed since low-level Simulating blocks can be used to model any dynamical system with arbitrary complexity. However, for complex engineering (and non-engineering) system simulation tasks, this chapter explains, promotes and demonstrates the multi-domain physical modeling strategy advocated and implemented in Simulating. Many well-established and specialized blockades in various disciplines have been developed for use with Simulating. Some of the blockades have been developed and integrated in the Simple framework.This chapter dedicated the first section in introducing the concept of multi-domain physical modeling and an introduction to the Simple bollocks. Then, in detail, electrical system modeling with Comportment's and other blockades is addressed. The rest of the chapter covers the modeling and simulation of electronic systems, motor drive systems and mechanical systems with a lot of examples. Multi-domain physical modeling Simple, electrical system modeling, electronic systems, Spice circuit model, motor drive systems, mechanical systems, mechanical CAD model Chapter- 08 Modeling and Simulation of Non-Engineering SystemsThis chapter serves as a showcase to demonstrate that MUTUAL/Simulating can also be used directly in modeling and simulation of many non-engineering systems. There are also a lot of third-party programs and blockades developed by scholars worldwide. This chapter is only a small showcase chapter. First, modeling and simulation of pharmaceutics systems are presented. Compartment modeling is briefly introduced, and physiology based pharmaceutics modeling methods and nonlinear generalized predictive control of anesthetic processes are shown.Then, a dedicated section is included for MUTUAL/Simulating based image and video processing. Image Processing Toolbox and Computer Vision System Toolbox bollocks are also presented, and real-time v ideo processing systems are explored. In many non-engineering systems, the finite state machine concept is important. How to use Stateless to model and simulate complicated supervision problems is presented. Stateless also generalizes the capabilities of logical or switched systems modeling, and we show that this can be used to describe systems with loops of conditional processes.Finally, this chapter ends with a section on modeling and simulation of discrete event systems and a queuing system s used as an example to demonstrate the use of the Sentiments bollocks. pharmaceutics systems Compartment modeling predictive control image and video processing finite state machine concept Stateless switched systems Sentiments bollocks discrete event systems queuing system Chapter-09 Hardware-in-the-loop Simulation and Real-time Control Simulation is mostly numerical. However, simulation could be analog.Yet, in this chapter, we will show that the simulation can be partly numerical and partly analog. Including the dynamic plant in the loop of simulation, is referred to as a hardware-in-the-loop simulation. Since this kind of simulation s often performed in real-time, it is sometimes referred to as real-time simulation. This has been made very simple in MUTUAL/Simulating due to the Real-Timekeeper's provided by Metaphors that can translate the Simulating models into C code, and the standalone executable files can also be generated using this tool, so that real-time control can be performed.

Ella Enchanted Book vs. the Movie Essay - 1512 Words

Ella Enchanted book vs. the movie Many books that were published years ago have recently been made into movies. One of the well-known books that have been made into a film is Ella Enchanted (1997) by Gail Carson Levine. This book won several awards, including the Newbery Honor book in 1998. Ella enchanted, the Disney movie version was released in 2004. Anne Hathaway played the role of Ella and it was directed by Tommy O’Haver. The story talks about a girl named Ella who is cursed at birth by a fairy named Lucinda. Lucinda cursed Ella with total obedience. Throughout the movie, Ella was looking for Lucinda to undo the curse so she could live her life like all other girl and win the love of her life, Prince Charmont. The book addresses†¦show more content†¦She meant to bestow a gift† (3). When Lucinda cursed Ella, she thought that giving Ella full obedience would be a gift, not thinking that this may affect her life and give people around her the chance to take advantage of her. Olive and Hattie are Ella’s stepsisters. Hattie is the one who was able to discover Ella’s curse. In the book, Hattie enjoyed commanding Ella. Ella gave Hattie her precious necklace afterwards, Hattie commanded Ella to not be friends with Areida. Throughout the book and the movie, Hattie and Olive are always jealous of Ella’s beauty and of how well-mannered she is and yet they wanted to be friends with Ella. The reader will think how Hattie and Olive could be Ella’s friends after taking advantage of her. In the book, Hattie said Ella, you should give it to me. It would be a token of our friendship. (37). Prince Charmont comes in both works as a young leader who was destined to in herit the throne of the kingdom. When Prince Charmont met Ella, he fell in love with her humor and her personality not knowing what she had as a curse. The book reviewer, Nancy Thackaberry from VOYA, stated that â€Å"the characters’ personalities and motives are comically crystal clear, but never boring†. She is saying that there is no real changing in the characters in the book, but it’s not boring because the romance and the fantasy that is presented in the book will keep the reader wanting to read more. When it comes to comparing both works,Show MoreRelatedCinderella vs Ella Enchanted Essay2614 Words   |  11 PagesCinderella vs Ella Enchanted The tale of Cinderella has been heard and read for many generations. The idea of rags to riches has appealed to countless readers through varying accounts. The plot of Cinderella has become a traditional theme. Through different cultures and eras the theme has seen many copies, remakes, twists and views in literature, theater and film. Today’s era of blended families and conflicts in class statuses may be why Cinderella has been a classic. One of those twists is seen

Financial Planning By Considering Personal Financial Needs - Free Essay Example

Sample details Pages: 12 Words: 3671 Downloads: 3 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? We know that the conditions of an economy do not remain static. The factors which influence it keep on changing. The rate of flow of funds also, changes with time in an economy, so people have funds available in different strengths at different moment of time. Don’t waste time! Our writers will create an original "Financial Planning By Considering Personal Financial Needs" essay for you Create order It affects the lives of people living in that economy because to satisfy their needs they require funds. People always feel a gap, positive or negative, between their needs and required funds. So they do their financial planning. In this project we have tried to find and analyse how and in which ways people are doing financial planning in the prevailing market situations. We have also tried to find the awareness of people about current market situations, awareness of financial planning among them and their interest area of investment. Financial Planning is not a very new concept in India. It had been in practice in earlier social systems also. In the past also, people used to do this in some ways. They used to purchasing pieces of land, jewellery and keep these with them for their bad days. Some of them kept their saved money with so called à ¢Ã¢â€š ¬Ã‹Å"Mahajanas who used to acting as banker. Though people in the past were involved in some kind of activities related to the ir financial planning, yet they were not very conscious and aware of the thing and were not doing this very actively. It was so because the joint family system was there in the society and also the economic conditions, in the country, were almost static and not as turbulent and volatile as in current scenario. So people did not feel so much insecure. But after industrial revolution, things started to change. People started to move towards cities in searching of new earning opportunities. This leaded to a dynamic economic condition in the country and a change in family structure in the society. This thing has been continuing for years in the country and today we can observe increasing number of nuclear families and varying economic conditions here. The needs of a person and his consumption habits have also changed significantly. Further, the priorities and these needs of a person also change with change in his life stage. So financial planning has become more relevant and impor tant in current market scenario. But, How many persons are there who understand the meaning of financial planning? How many of them are actively doing it? In which ways are they doing their financial planning? These are some questions we need to find answers so that we can conclude to a result and can act accordingly. We have tried to find the answers of these questions in this project. Personal Financial Success: The Six-Level Pyramid  Ãƒâ€š Using the six-level pyramid to help explain the various building blocks to financial success helps to reveal the development of financial planning and indications, at each level, if instruments that might be considered. At the first level of the pyramid, there are four stages that need to be considered. Before any phase of an action plan can be implemented, an individuals current situation must be determined. One must evaluate their personal income because the amount of money a makes directly affects the amount that person can save. After all debts and living expenses are subtracted form income, one can know how much to put in savings every week, month or year. The amount one puts in savings is very important. This will have bearing on a spouse, children, and retirement life. Saving money should become a top priority in the financial planning realm of life. Goals are another important factor in financial planning. Without goals, a person has nothing to strive for, nothing to loo k forward to. This should come with ease during the implementation of a financial action plan. Career choice plays a major role in ones ability to live at a certain level in society. There are many factors to consider when making a career choice. They include personal factors, social influences, economic conditions, and trends in the industry. A person must consider these things when deciding on a career if they want to have long-term success in any given profession or calling. Keeping good records and being organized is a necessity for a person with a successful financial action plan. After receipts have been found, invoices filed, and check numbers recorded, one can develop a budget. A budget simply allocates income to different areas of spending. For example, one family may spend two hundred and fifty dollars per week on groceries, while another only spends one hundred per week. A budget can be done on a weekly, bi-weekly , or monthly time frame basis. An important part of an overall budget is taxes. Taxes, in general, include federal and state, occasionally county expenses on land ownings and other purchases. A person should be fully aware of how to calculate their taxable income and on how to get help with taxes. The second level of the pyramid involves managing. The absolute first way to begin with money management is to get the money out of a pocket ( or from under a mattress ) and put it into am interest-bearing account. Before this can be done, however, the best bank suitable to a persons needs mus be located. To do this, one must evaluate the different banks rates, fees, and other factors such as number in branched in the area and the services offered. One should examine the gains and losses of having a checking account as well. Credit is a way of life for million of American today. In my opinion, one must be very cautious when choosing whether or not to use consumer credit. There are almost always hidden costs and consumer traps ready to suck a trusting person in. One should be aware of possible credit mistakes and try their best to avoid them. Also, spending far above ones personal income level can become a major problem if taken advantage of. In the market for loans, the most enduring statement is to Shop Around! A person will never know what could be gotten until they try to look for the best deal. One should be aware of the fluctuation of interest rates and the affect that they will have on the principle amount of money borrowed. The third level of the pyramid illustrates the major purchasing decisions in life. Should I buy that shiny new Mustang on credit or save that money for a down payment on a home in a nicer neighborhood? The allocation of personal funds is one of the most harrowing sets of decisions a person will ever make. The decision to purchase a home is in this set. This will probably be the most expensive purchase one will ever make. One should be sure that the purchase of a new home is not o utrageously out of his or her income range and that it meets all of their needs. The second most important purchase would be that of a new vehicle. A car purchase can be an exciting time. Since cars are seen as status symbols in society today, most people attempt to buy one that they cannot afford. This can be ruining to credit and make daily expenses much harder. Day to day existence in todays society can be dangerous if a person does not have adequate insurance coverage for self, spouse, and children ( if any ). The fourth stage of the pyramid deals with the adequate amount of insurance. How much is too much or too little? Risk management is a major factor in this. For example, a race car driver is not going to get a good a rate of insurance as a middle aged accountant. Factors such as car accidents, speeding tickets, safety measures taken, and daily activities such as smoking or drinking all affect the amount different types of insurance will cost an individual. After life insurance, I believe that the next necessity is to have automobile and home insurance. These are the two most likely things that someone might have to call on insurance to cover. Health care and disability insurance truly comes in to play when one has a family, nut possibly when single if severe illness occurs frequently. Finally in the fourth level, a value must for life insurance must be chosen. This is directly affected on who will be left depending on money received from your life insurance. This insurance money can be left as a legacy, as a help for funeral expenses, or even a gift from the deceased. The fifth stage of this financial planning pyramid is about investing. There are four fundamental ways that one can invest. They are stocks, bonds, mutual funds, and real estate. Stocks are divided into two main categories, common stock and preferred stock. Common stock makes money by dividing the value of an investment three ways: income from dividends, dollar appreciation of t he stock value, and stock splits. Preferred stock is similar to common stock. However, with preferred stock, the investor receives his/her cash dividends before the holders of common stock receive theirs. There are a number of factors that enable investors to evaluate the value of any certain stock. One can read daily newspapers, and gain information from professional in the stock market field. Bonds are divided into two main categories as well. A corporate bond is a corporations written pledge to repay a specified amount of money plus interest gained over a specific period of time. This total is referred to as the face value of the bond. Corporations issue bonds in order to have available monies to finance expansions, takeovers, etc. This is referred to as debt financing for a corporation. The other type of bond is one that is issued by the federal, state or a local government agency. The bonds that the federal government sells are referred to as treasury bills, notes, bonds, or sa vings bonds. These are used to finance the national debt and for the governments everyday activities. A municipal bond is one that is issued by a state or local government. All three of these types are said to be generally risk-free. As a financial planner, I would advise my client to seriously look into bonds. Mutual funds are unique in the fact that there is diversification of the purchased portfolio. A persons money goes into a large pool, which a company then invests in many different stocks. The last type of fundamental investing is Real estate. There are different types of real estate investments. For example, your home can be an investment if handled properly or one can purchase commercial property for resale only. The sixth and last stage of the pyramid involves retirement and estate planning. Taking steps now to ensure that a person has money during retirement is particularly important. This should be linked in with the amount of money chosen to save in part one of the f inancial planning program. Last of all, one must know a little about estate planning. There are legal and personal aspects of this matter. Estate planning is the plan for the disposition of ones property during ones lifetime and at ones death. Legally, everyone needs to have a last will and testament to ensure that their properties are distributed accordingly. A lawyer usually needs to be consulted on this matter. In summary, the most important aspect of financial planning is just what it states-PLANNING. A great deal of money can be gained and saved if the correct methods are incorporated into a persons everyday life and activities. OBJECTIVES We have conducted the study taking following objectives in our concern: To understand customers awareness about current market/ economic scenario. To understand customers awareness about financial planning. To understand how customers do their financial planning. Capture reasons for doing / not doing financial planning. Understand the key areas where investments and savings are made and rational reasons behind the same. Review of Literature Jim Gewert Named Executive Vice President of Worldwide Finance, Planning and Systems for Warner Bros. Home Entertainment Group An industry leader since its inception, WBHEG oversees the global distribution of content through packaged goods (Blu-ray Disc and DVD) and digital media in the form of electronic sell-through and video-on-demand via cable, satellite, online and mobile channels, and is a significant developer and publisher for console and online video game titles worldwide. AGL Resources; AGL Resources To Webcast 2010 Annual Meeting of Shareholders on April 27 During the meeting, AGL Resources Chairman, President and Chief Executive Officer John W. Somerhalder II will provide an update on the companys financial and operating performance and its business strategy. 2010 MAY 1 (VerticalNews.com) AGL Resources (NYSE:AGL) will webcast its annual meeting of shareholders on Tuesday, April 27, at 10 a.m. Eastern Daylight Savings Time. During the meeting, AGL Resources Chairman, President and Chief Executive Officer John W. Somerhalder II will provide an update on the companys financial and operating performance and its business strategy. The meeting will be held at the AGL Resources corporate headquarters at Ten Peachtree Place in Atlanta. Solutions Financial, Llc; Actfinancially.com Launches Personal Financial Planning Website The site includes personalized financial planning, budgeting, goal-setting tools and reports, a library of information and resources, blogs, tips, financial coaching help to manage money and community features such as forums, message boards and live chat for guidance and support. Financial Planning Steps Needed Now to Prepare for Health Care Bill Outcomes Even though the bill is still a few years from implementation, its not too soon to consider several financial planning strategies now to mitigate significant tax increases for the wealthy and the potential for increased borrowing costs for earners of all income levels, Kahler advises. Walking the Walk: A Financial Planner Teaching His Children In an interview, Daniel M. Stern, CFP, with his children, Lily and Benjamin, talked about financial planning for his kids. Stern said theyve been doing it two years now, since right after they talked. Looking at the idea of an allowance as something you give to the children; you dont base it upon work that theyre doing. Its so they can learn how to handle money and get a sense of the value of money and what can be done with it or not done with it. When it came to charity, they were trying to do it every week, but its not that big of an amount to give. Ben thinks its great. It gives them experience to know how to handle money. Lily also thinks its really good. Stern added that toward the last part of the year they had to adopt a spending moratorium. He thinks in todays society theres a huge amount of materialism. Lessons from Her Father Its no surprise that 30-year-old Kimberly Allman has her finances in order. Her parents guidance dovetailed with her own financial self-discipline. A Cornell Law School alum, Allman uses her financial sensibilities in two jobs: as manager at a nonprofit that helps homeowners avoid foreclosure, and as president of Allman Financial Planning LLC, her own personal finance consultancy. Allmans father helped to shape her relationship with money. Allman who is single, now follows her fathers example when she doles out advice to clients regarding debt, credit scores, and investments, among other concerns. In addition to her law degree, Allman has a bachelors in psychology and political science from Duke University, and shes set to receive a certificate in financial planning from Boston University this spring. While in school she avoided frills and kept expenses to a minimum. To reach her current level of financial security, Allman resisted shopping for handbags and jewelry. Money on Your Mind: The Brains Role in Financial Decision-Making The sophistication of modern civilization masks the fact that the brains have evolved little since the Stone Age. The neural programming of human beings was optimized for physical survival, not contemporary challenges such as financial decision-making. The human brain has separate, dedicated centers for coping with situations that present imminent danger or attractive rewards. When triggered by highly stimulating personal or financial events, these centers can cause the brain to react reflexively, dampening the ability to think analytically. Technology gives people ready access to their credit, savings, and investment accounts. Unfortunately, this access makes it easier for people to act upon impulsive financial decisions. This paper examines a case study to demonstrate how perceived financial dangers or rewards can unconsciously trigger emotions that override their rational decision-making. Financial planners also can help their clients develop new methods to read to financial sit uations in a more analytical manner that is consistent with the clients primary values. A House Divided: Americans Have Two Distinct Views Of Retirement The financial turmoil of the past few years has taken a huge toll on Americas confidence about the future and apparent readiness for retirement, said Jamie Ohl, senior vice president and director of The Hartfords Retirement Plans Group. The Planning Dynamic But The Hartfords research shows that people who have taken the time to plan their retirement are generally in a better place financially and are significantly more optimistic about the future than those who have not planned, Ohl said. OppenheimerFunds Survey: When It Comes to College for Their Kids, Women Drive the Planning Process But Many Take a Back Seat on Finances Later College funding is an issue for women in college, after college and for decades after, for both parents and students alike. Because women outnumber men on college campuses by a factor of almost three to two, women pay the price literally and figuratively for poor college financial planning, frequently dropping out or graduating with debt that can cast a shadow over much of their adult life, affecting even their ability to retire, Winn said. The Financial Planning Association(R) of Arkansas iShares* Make $20,000 Contribution to Arkansas Aspiring Scholars Matching Grant Program For more information about the iShares 529 Plan, contact your financial advisor, call 1-888-529-9552 or visit www.ishares529.com to obtain a Program Description and Participation Agreement which includes investment objectives, risks, charges, expenses, and other important information; read and consider it carefully before investing or sending money. If you are not an Arkansas taxpayer, consider before investing whether your or the designated beneficiarys home state offers any state tax or other benefits that are only available for investments in such states qualified tuition program. METHODOLOGY Methodology is a strategy that guides a research in providing answers to research questions and for which, research survey is being done. This study has been carried in the following manner:- Methodology Adopted Questionnaire Design: The questionnaire was prepared covering the details about the client and the above objectives. The questions were designed in an easily understandable way with the help of (Miss. Nancy sahni ) that the respondents may not have any difficulty in answering them. The questionnaire also contained a comments section. This section was included so as to get opinion of the people. Random Sampling: Sampling can be defined as a part of population. Thus random sampling may be defined as the selection of a portion from the whole population in which each elements of the population has an equal chance of being selected. In this research survey people were surveyed at random to get the relevant information. Sampling Techniques: The sampling techniques used in this project are probability sampling techniques and the methods used in cluster sampling. Sampling Unit: The respondents who were asked to fill out questionnaires are the sampling units. In this survey these comprise of Govt. Employees and Self Employed persons. Sample size: The sample size was restricted to only 100 people between age group more than 25 years which comprised of mainly peoples from the area where the survey was conducted. Data Collection: Structured Questionnaire: In this part of data collection, structured questionnaire was used as a tool by asking a set of standardized questions which answers we needed to know. Interpretation: Interpretation refers to the task of drawing inference from the collected facts after an analytical study. The simple statistical tools are used to analyze the data collection. Bar Graphs and pie chart have been used to illustrate the findings diagrammatically. AREA OF SURVEY https://www.radhasoamiji.in/images/map.jpg The survey was conducted in a village BEAS and Mehru which is situated in kapurthala district in Punjab. Though it is a town of almost 40,000 people yet its market caters the need of a large customer base which comprises of people, in addition to the town people, living in several villages that surround the town. It is situated near the BEAS river and second near Phagwara, so people from other side also come here for shopping. This is a reason that a big part of population here is involved in business and related activities. A good number of service class people are also present here, because of working of several Government organisations in the town. Block Office, Subdivision Office, Seema Suraksha Bal, Registration Office, Banks, Food Corporation of India, Irrigation Department, Public Work Department, Govt Schools, Municipal Office and also some other departments are working here. In financial institutions here these are pre sent: State Bank of India (CBS) Punjab National bank of India (CBS) Bank of India Life Insurance Corporation of India ( Satellite Branch ) Bajaj Allianz LIC Co LTD ( Branch Office ) Rahika Co-operative Bank ( Branch Office ) Sahara India ( Branch Office ) Some other institutions like à ¢Ã¢â€š ¬Ã¢â‚¬Å" Birla Sunlife, Reliance Life Insurance, ICICI Prudential also work here controlling their activities from Main branch. LIMITATIONS The report is prepared on the basis of responses given by the respondents and is confined to the area of survey, so it does not necessarily show a pattern applicable to other areas also. Some respondents were reluctant to divulge personal information which can affect the validity of all responses. In a rapidly changing environment, analysis on one day or in one segment can change very quickly. The environmental changes are vital to be considered in order to assimilate the findings.

The Importance Of Clean Drinking Water Pollution - 2357 Words

Abstract The sustenance of safe and quality drinking water is increasingly becoming an urgent priority due to global pollution. It means that maintaining clean drinking water requires effective policies, regulations, and acts that identify, document, and eliminate health risks in all potable water sources. Water pathogenic microorganisms must be understood and identified in water sources because they have a relationship with acute and chronic illnesses. Surface water could quickly change because of human waste, chemicals, and organic nutrients. Water disease outbreaks could occur due to inadequate water treatment facilities, illegal dump sites, and outdated water lines/infrastructure. Policies made across the world must include the goal of†¦show more content†¦According to the World Health Organization (WHO), a drinking water quality value represents the constituent concentration that results in no health risk to a consumer over an extended period of consumption. It must be sustainab le for human consumption. Guidelines available must be followed to ensure clean water supply for the consumers. When enforcing government acts the local, socioeconomic, geographical, and cultural factors are accounted within the acts. In each country relevant authorities must look at all considerations when setting policies concerning water quality issues. The matter of water quality maintenance must include everyone because leaving them only to agencies of water control may lead to a conflict of interest (WHO, 2004). Water analysis alone cannot maintain clean water and combined with periodic review and policy compliance is vital. Reviewing and acceptance of any type of water treatment facilities form a necessary basis for the maintenance of quality drinking water. According to the WHO, quality drinking water contains no pathogens and bacteria indicative of fecal matter and that regular water samples should be taken and examined to ensure good quality drinking water. The presence of Escherichia Coli in water is a potential indicator of fecal matter. Clean drinking water must not contain any trace of bacteria once the sample is analyzed. The provision ensures that, quality, pathogen free

Punk Rock free essay sample

Although Rock and Rolls most promising performers are gone, the rock and roll music still lived in the early sass, constantly adapting and creating different kinds of music, and still, rock and roll lived by its successors like Elvis Presley, a legacy was born and still adored by many rock and roll music enthusiasts. And later, the famous groups like The Beetles and Led Zeppelin emerged from the rock music scene in United Kingdom, but, at the progress of the continuously evolving rock and roll, a new genre was developed, one of the first submerges of rock and roll music and garage music.Punk rock music became a huge success around the world in the late sass (Yule, 201 0), with its fast, trashy, and rebellion-like lyrics; indeed, Punk is a revolution and a success to the audience, which was adored by many Punk rock fanatics by the time of its formation, 1969, until the present Punk rock music. Punk Rock adds another chapter in the long list of independent concepts and ideas within the American Culture. â€Å"America marches to a different drummer. Its uniqueness is explained by any or all of a variety of reasons: history, size, geography, political institutions, and culture. † This type of â€Å"American† thinking continues to inspire all kinds of musicians, but more so with the Punk Rock genre than any other. It was defines the core competencies of the bands, as well as that of their followers. This defining concept of individualism is also why Punk Rock has stayed relevant for all of these years. This country was built off this impression, as well as Punk Rock. It is hard to break down the barrier of individualism, because everyone is so unique, and Punk Rock simply unites and celebrates all different types of unique thinking. Through lyrics from bands such as the Romones, Blink 182, and The Clash, a colossal following came to Punk Rock. The lyrics almost became anthems to band groupies lives. In â€Å"The Shape of Things to Come† by the Romones, they sing â€Å"Theres a new sun Risin up angry in the sky? And theres a new voice Sayin were not afraid to die. One could argue that that way of thinking was backbone for what soldiers in the American Revolution stood for, and how the United States became to be what it is today. Of course American exceptionalism has its negative aspects to it that can be looked down upon. The United States has at times been exceptionally bad, racist, and violent. This cannot be ignored in the conversation of American exceptionalism. Although some of this demonstrates unfair and harsh governing, it shows that the American spirit still have that Punk Rock â€Å"drive† in them that fuels and strengthens them. This is also another reason why Punk Rock has, and will always continue to stay relevant in todays American Culture