Commerce Assignment Personal Finance - 852 Words

Commerce Assignment: Personal Finance By Edmund Tan Contents Executive summary Page 3 Product 1 Page 4 Product 2 Page 5 Product 3 Page 6 Bibliography Page 7 Executive summary Nature of the organisation: Kadi Bank is an organisation that provides financial services to the public. The financial services that Kadi Bank currently provides are savings accounts, home loans and superannuation. It was founded in 2014 by Edmund Tan. Kadi Bank works in the best interest of the customer meaning we won’t direct you to a product because of incentives or commission. Kadi Bank is registered with ASIC. Ethical and/or legal obligations: Kadi Bank’s ethical and legal obligations are†¦show more content†¦So we have decided to create a savings account with a high interest rate of 3.5%. However, you must have at least $5000 in your savings account to get the 3.5% interest rate. Product’s target market: This product is targeted at adults aged 18 – 30 who are saving up for big and small purchases such as a house, clothing, car, entertainment or holiday. This product may also be targeted at adults aged 18 – 30 who need a secure place to store their money. How does the product meet the needs of the target customers? This product meets the need of the targeted customers because it allows them to reach their savings goal faster and purchase the items they have been saving up for sooner. This high interest savings account is also a good place to store emergency money in case unexpected events occur such as medical bills or funeral costs. Product 2: Low Interest Home Loan 5% Description: A home loan is money borrowed from someone to buy a house. The borrower has possession of the property, but the lender owns the property until the loan is completely paid off. If the borrower is unable to pay off the loan, the lender will sell the property to get back the money owed. There are many different types of home loans such as standard variable rate loans, fixed rate loans, combination loans and more. Home loans may run for as long as 30 years. Home loans require a 10% deposit. Here at Kadi Bank, we know that

Examples Of Dystopia In The Giver - 751 Words

The Giver by Lois Lowry is about a utopian society where there are rules for basically everything that people do. However, after reading the book, I realized that the community truly is not a utopian society but rather a dystopian society. The reasons why the seemingly utopian society is actually a dystopia is because there is no evidence of love, no colors, and the process of eliminating community members is harsh. The community in The Giver is not a utopia as evidenced by its lack of love. This is depicted when The Giver shows Jonas his favorite memory and Jonas says, â€Å"‘I certainly liked the memory, though. I can see why it’s your favorite. I couldn’t quite get the word for the whole feeling of it, the feeling that was so strong in†¦show more content†¦Since the community lacks color they miss out on a lot of fun things that can be done using it, as well as the perception of depth and feeling that can be conveyed by color such as in the change of seasons or a basket of fruit. Lastly, the elimination of community members known as â€Å"release†, which is extremely deceiving to the citizens of the community proves that this community is a dystopia. When Jonas watches his father release one of the twins, he is mortified to see the truth behind releasing. He sees where the new child is deposited, â€Å"... a small door in the wall ; Jonas could see darkness behind the door. It seemed to be the same sort of chute into which trash was deposited at school. His father loaded the carton containing the body into the chute and gave it a shove† (Lowry 151). After seeing what really happens at the releases and having the memory of death, Jonas realizes that releasing is the same as killing. Although he may not even know the truth behind the releases, Jonas feels as though he can’t even talk to his father. Essentially killing someone should not be the case just because they are twins or elderly, the releasers could have simply sent the smaller one or older person to a different community and let them live their lives. One could argue that the society in The Giver is utopian because everything is equal, but there truly is no uniqueness in the community. Everything has and always will be the same which isShow MoreRelatedThe Giver Community Is A Dystopia Essay707 Words   |  3 PagesThe giver community is a dystopia. I know this because when you compare the giver community to our world it takes a minute but I guarantee it is a dystopia, you can see this because on the out side looking in, you know all of the secrets that make up the giver community. another reason it is a dystopia is because when people imagine a perfect world it is not anything like the community of the giver, lastly is the fact that the government plans out people’s lives. I will go into detail and make manyRead MoreThe Giver Dystopia Essay1155 Words   |  5 Pagesa utopia cannot be achieved, a utopia would be â€Å"perfect world† where everyone is satisfied. A dystopia can be very far from perfect, as it is in The Giver. The world in The Giver by Lois Lowry is a dystopia because no world anywhere can ever be perfect, the people who live there will never be truly happy and because without choice life can be very boring, as it is in The Giver. The world in The Giver is not perfect because nothing can really be perfect. It is almost impossible to think of a perfectRead MoreOne Of The First Dystopian Novels To Become Famous Was1396 Words   |  6 Pagesdystopian literature is mostly in an adolescent’s perspective. For example, the Giver was one of the first dystopian novels written in a teenager point of view. Now, most all dystopian novels are now written in this style, such as the Maze Runner, Divergent, and the Hunger Games. Many dystopias contain the notion of an â€Å"impending apocalypse.† They will allow the slight possibility of recreation, and only a few will survive. The Giver, Brave New World, 1984, â€Å"Repent, Harlequin!† Said the TicktockmanRead MoreDystopian Societies : Literature Study1913 Words   |  8 Pagesare learning the meanings of a utopia and dystopia through reading The Giver and The Hunger Games. A utopia and a dystopia are very different. A utopia is an imaginary land with perfection of all kinds. In a utopian world, everybody makes the same amount of money, everyone is treated fairly, there is no racism or discrimination, everyone has housing, and nobody will ever starve or be unhappy. A dystopia is the total opposite of a utopia because a dystopia is a horrible messed up place. Everyone isRead MoreDystopian Fiction : Dystopian Novel1559 Words   |  7 PagesHunger Games, Divergent, The Giver, and Ready Player One as examples. In order to fully understand why dystopian fiction is important, the term dystopia needs to be defined. According to dictionary.com, dystopia is a society characterized by human misery, as squalor, oppression, disease, and overcrowding. Merriam-Webster defines dystopia as an imaginary place where people are unhappy and usually afraid because they are not treated fairly. The Oxford dictionary defines dystopia as an imagined place orRead MoreThe Giver ( Lois Lowry ), And Animal Farm1805 Words   |  8 Pagesopponent. These two scenarios are quick summaries of two timeless, utopia/dystopia novels, The Giver (Lois Lowry), and Animal Farm (George Orwell). When I read these novels, I often switched back and forth in reading them, and realized that The Giver s government and justice system is very similar to Animal Farm s government and justice system, but Animal Farm is based on real events (The Russian Revolution), while The Giver is more of a picture of a future, and lastly, they both describe what canRead MoreThe Giver As A Dystopian Society759 Words   |  4 Pagesfrom dystopian life. Lois Lowry shows readers how people can suffer in dystopian society. In The Giver, Jonas’ community appears to be a utopia, but in reality it is a dystopia because everyone is under the illusion that there is freedom, dehumanization, and their strict regulations. The Giver is considered as a dystopian society because everyone is under the illusion that there is freedom. An example of this is when the text states, â€Å"youre ready for the pills, thats all. That’s the treatment forRead MoreA Clueless Community in The Giver by Mrs. Lowry Essay614 Words   |  3 Pagespeople don’t have to worry about poverty, crime, starvation and basically any typical world problems. Although, this community still has many problems. People still think this is a wonderful place to live but this community is a dystopia. In Mrs. Lowry’s book â€Å"The Giver† she explains how families function here as well as the both negative and positive point of views for family. The main character is Jonas. He is very special and different because he can see beyond. Jonas notices that his familyRead MoreThe Giver And An Ember In The Ashes Analysis1161 Words   |  5 PagesThe Giver and An Ember In The Ashes are both fascinating books that revolve around protagonists and the will to change their crumbled societies which is seen as justified by their rulers. Not only are these two books strikingly similar but yet have their own unique storylines and characters. From the genres literature to the last pages, here are some of the overlapping features in both novels. Both stories have a utopian or dystopian setup (although some people disagree if An Ember In The Ashes isRead MoreThemes in The Giver1222 Words   |  5 PagesThemes in The Giver What if there was a world without memory, choice, or emotion? Could a world truly exist in those conditions? In Lois Lowry’s Newbery Award winning novel The Giver, the main character, Jonas, lives in a world exactly as described. In his community, nobody at all can remember anything, choose, or feel any emotion. All of these things are banned is because his community wanted everything to run smoothly. They wanted a community without hate, war, or conflict. While reading Lois

The United States Economy Will Be Average At Best - 917 Words

Before attending this college and especially attending your class I would have said that my knowledge about the United States economy would be average at best. I knew my political views and what decisions I would like to see government officials make based on them, but I really did not know the different domino effects that could occur when only one economic decision is made. By reading your book I like to think that I now have a better outlook on our current economic situation and also the events that have lead up to where we are today. With that said one chapter I really liked and focused on in your book was actually Chapter 2 The Buildup: 1999 to 2007. This chapter focused heavily on the some economic policies that helped fling the United States into the Great Recession. I have always believed that in order to better the future you must reflect upon the past and notice what you did wrong. This chapter provides four policies that nose-dived our economy to where it is today. While many people, and I also, believe that lower interest rates are a good thing, but when they actually just manipulate people into believing that once they can afford things that they really cannot obtain such as houses, vehicles, and recreational items. This with the combination of lowering the credit standards caused the household debt levels to skyrocket all across Americ a. Secondly, even though we have talked about Social Security in class before I am still astonished by how much itShow MoreRelatedThe State Of My State s Economy950 Words   |  4 Pagesfinance) in finance has had me wondering about the state of my state’s economy lately. As an accountant, Maine’s economy will continue to affect me professionally (and personally, being a citizen of the state) for the rest of my adult life. Even if all I ever do is taxes for other citizens of my state, to know the state of the economy here will change the way things are done. I don’t have enough space to go through everything that’s affecting Maine’s economy today, so I’m just going to touch on a few basicRead MoreInequality and Redistribution1384 Words   |  5 PagesInequality and Redistribution Income inequality in America is higher than in any other industrial nation in the world. Many believe this creates serious problems for both United States citizens and its economy. The inequality difference is continually getting larger and worsening these problems. Over the past three decades America’s economy has seen continuous growth; but this is accompanied with no increase in purchasing power for poor and middle class citizens. On the other hand, incomes of the richestRead MoreMoney Is What Makes The World Go Around1705 Words   |  7 Pagesindividual has to purchase one for a price or even multiple payments every month. In the United States, a person has to use money to buy basic needs such as food, water, and clothing. There are other needs to live in a modern society such as electricity, the internet, education, and transportation. The acquisition of these needs to survive in society causes stress for a person. An individual living in the United States has to have a job which adds, even more, stress to provide for these needs. The pressureRead MoreUnited States Economy Is The Envy Of The World1132 Words   |  5 PagesUnited States Economy The United States is not only one of the largest economies in the world, but it is also one of the strongest economies compared to industrialized countries, and this has been proven in the last few years. Despite of what many people believe or see, U.S economy is booming and it will continue to boom during the year 2015. In the article â€Å"When the U.S Economy is the Envy of the World,† published by the MSNBC on December 8, 2014, its author Steve Benen argues about the U.S economicRead MoreEssay on Current Macroeconomic Situation in the United States867 Words   |  4 Pages The United States is the leading economy across the globe and experienced several tribulations in the recent past following the 2008 global recession. Despite these recent challenges, there are expectations among policymakers and financial experts that the country will experience solid economic growth. Actually, financial analysts have stated that the U.S. economy will be characterized by increased co nsumer spending, increased investments by businesses, reduced rate of unemployment, and reductionRead MoreGlobal Warming : Carbon Trading1105 Words   |  5 Pagesimpact on our planet’s ecosystem, biodiversity, and people’s lives. The average air temperature is already 1.5 degrees than they were at the start of 20th century, and a rise of 1 degree in just over 30 years makes a big difference on our ozone. Climate change is a general term for a change in climate of a long period of time, climate being the long-term weather pattern of a geographical area: temperature and precipitation averages and extremes. When people today talk about climate change they usuallyRead MoreU.s. Japan s World s Most Successful Democracies And Largest Economies885 Words   |  4 PagesJapan is one of the world’s most successful democracies and largest economies. The U.S and Japanese alliance is one of the cornerstones of modern society. Which has led to more fundamental and regional stability and prosperity for both countries. The alliance is based on shared vital interests and values. Both countries support preservation and promotion of political and economic freedoms as well as the support for of human rights. This paper is focused on the comparison between U.S and Japan. TheRead MoreHealth Care Spending1347 Words   |  6 Pageshat rides the Current national expenditure levels in the United States has more than tripled in the past decade, while the amount of Americans that can afford private health insurance has dropped and the number of people relying on Medicaid and Medicare has increased with the aging baby boomer generation. Medicaid and Medicare being two of the governments most used medical insurances, the spending in health care has grown faster than the economy can bear. The Medicare physician reimbursement systemRead MoreEconomic Policy Essay706 Words   |  3 Pagestrying to come up with the best policies to improve economic conditions in the United States. Because of this, they have stated that the U.S. will no longer import goods or services from other countries and will instead focus on exports that employ American workers. Furthermore, all products will bear the stamp stating, â€Å"Made in the U.S†. The issue of trading is ob viously something that policymakers need to think about. When it comes to countries trading with each other its best to take into considerationRead MoreThe President Of The United States Essay1666 Words   |  7 Pagesâ€Å"Preparing to Pass the Baton† The president of the United States, Barack Obama, will be leaving the oval office after serving his presidency for two terms. In January there will be a new commander in chief in charge of leading our nation. Whether it is Trump, Clinton, or a surprise candidate that takes the role of president, there will be change. A lot will change with a new president, there will be new laws, new policies, and a new face of America. But one of the most important changes that everyone

divorce Essay - 815 Words

Divorcenbsp;nbsp;nbsp;nbsp;nbsp; nbsp;nbsp;nbsp;nbsp;nbsp;Divorce rates in the United States have increased dramatically over the past 25 years. Researchers have found that more than 40 percent of all marriages among young Americans end in divorce resulting in its acceptance in today’s family structure and behavior (â€Å"Demographics†). Divorce has become such a painless process that the moment a couple hits the rocks it is easier and less stressful for them to divorce rather than going through the trouble of trying to work things out. However, even though a couple may be unhappy getting a divorce is not always the best option because of its unfortunate effects on all those involved. nbsp;nbsp;nbsp;nbsp;nbsp;The most common†¦show more content†¦A common response to a divorce is built up anger that children may release in different fashions. However, in contrast children may also feel guilty or in some way responsible for the divorce causing them to withdraw or isolate themselves from their family. nbsp;nbsp;nbsp;nbsp;nbsp;Researchers have explained that most children can adapt to a divorce within a couple of years, however it can vary from situation to situation. Whether children fare well depends on their age, past experiences, and how their parents handle the divorce. There are many stresses that are associated with divorce and even though children may do well in single-parent families, their chances of increased social problems are much greater. Another damaging effect of divorce on children is the fact that they may have to move or one of their parents moves away. This can cause the child to lose valuable ties with friends that may have helped them to cope with the situation. Due to this fact, the child may handle the situation with many different types of emotions. Some children get angry, some feel sad, and some may experience feelings of rejection. The children in these situations end up having much more anxiety then those children growing up in two-parent homes. A feeling of helplessness is another factor that affects these children becauseShow MoreRelatedThe Divorce Of A Divorce941 Words   |  4 Pagesanymore. When they are unable to maintain their marriage, their solution is to choose is divorce. Divorce, is defined as, the legal dissolution of a marriage by a court or other competent body. In today’s society, divorce is more normal than ever before due to unhappy marriages. The effects of the divorce are emo tional effects, financial problems, and direction to an improved lifestyle. When it comes to divorce there s so many emotions that are being effected in the situation such as depression, happinessRead MoreDivorce : The Divorce Rate1662 Words   |  7 PagesThe divorce rate, while fluctuating over time, has reached high percentages lately. As Coltrane and Adams posit, the high divorce rates are due in part to the fact that the expectations of marriage are high in high esteem. When it does not work out, people are anxious to try again to find the perfect partner. Divorce is what allows people that opportunity (Coltrane and Adams p. 201). However, the intricacies of divorce are complicated. Much of the conversation of divorce is focused on fault andRead MoreDivorce And The Divorce Process1471 Words   |  6 Pagesthe subject of divorce, it became very apparent that the stressors leading up to divorce, the entire legal process, adjusting to life afterward and everything in between, left little more than devastation in its wake. By and large, divorce is incred ibly taxing on several fronts. We will discuss the emotional ramifications of divorce for spouses and children, what environmental factors contribute strongest to the dissolution of marriage, what percentage of marriages end in divorce, and the estimationRead MoreThe Divorce Rate Of Divorce1123 Words   |  5 Pagesrelationship, therefore they choose divorce, which is one of the solutions to cope with problems between husband and wife. Furthermore, most people think carefully before they get marriage. However, the divorce rates trend to continually increase nowadays, thus it might be argued that divorces can be taken place easier than the past. In the United States, researchers estimate that 40%–50% of all first marriages, and 60% of second marriages, will end in divorce. Divorce has always been present in AmericanRead MoreThe Issue Of Divorce And Divorce Essay1672 Words   |  7 PagesIt is common gossip that half of marriages end in divorce. But this gossip is more true t han most would assume. One in every one hundred marriages in North Carolina as well as a genuine half of marriages across the United States end in divorce and, according to Jennifer Lansford, â€Å"50% of American children will experience their parents’ divorce† (140). This rate of separation is essentially a heads-or-tails on marriages to determine whether or not they will work out and if a child will be affectedRead MoreDivorce And Its Effect On Divorce2098 Words   |  9 PagesThe memories of divorce have never been more sorrowful to any age group than the children of divorced parents. Although a couple’s marriage vows usually include the phrase â€Å"till death do us part,† about half of all marriages end up in divorce (â€Å"Divorce†). The reasons for divorce could be very simple as well as they could be complex. Some reasons for divorce are adultery, simple arrogance, dishonesty, insecurity, domestic and sexual abuses. In some situation d ivorce may provide relief from theRead MoreThe Divorce Cycle : The Children Of Divorce986 Words   |  4 Pagesinterested in the topic: consequences in divorce. Being a child of divorced parents is something I have always thought about and how it will effect me later in life with my relationships. I wonder if I am more likely to have a divorce as well because my parents had one. I have found a couple articles that talk about this topic one titled, Understanding the Divorce Cycle: The Children of Divorce in their own Marriages and the another titled, Effects of Parental Divorce on Marital Commitment and ConfidenceRead MoreEffects Of Divorce On Children And Divorce1460 Words   |  6 PagesIn today’s world, most people accept divorce or separation as a way of life. Parents are unaware or do not understand the damage it can have on their children. However, in some instances, it is better to get out of an abusive relationship because that can be as toxic as divorce. On average, 50% of children who are born with married parents, will experience divorce before the age of 18 (Children and Divorce Baucom, 2010-2017). Along with divorce statistics, 40% of children in America are raisedRead MoreDivorce Rate And Divorce Rates1224 Words   |  5 PagesDivorce rate also known as divorce demography, which is the study of demographic factors that impact divorced as a social phenomenon, the divorce demography can clearly evaluate and reflect the marriage stability and happiness index of certain countries or area and that is the reason why data statistics of divorce rate is important. According to ONS (Office of National Statistics), the divorce rate has not been that low since 1974, when it was 0.9%. The number of divorces in 2014 was declined toRead MoreDivorce Effect On Children : Divorce1825 Words   |  8 PagesApril, 2016 Divorce Effect on Children Divorce seems to become more and more common nowadays. Divorce can be a simple or complicated process depending if children are involved. This process can have negative and positive effects in a child s life. A divorce is the legal process of a marriage coming apart. A divorce with children involve cost more and takes about eleven months for the marriage to end. The majority of the divorces happening in the United States involve children. Divorce has different

The Development of Psychological Disorders - 1013 Words

Psychological disorders occur when several behaviors cause impairment in a person’s life. The individual can’t function successful in many areas of his/her live. According to Santrock, psychoanalytic theories define development as unconscious and strongly affected by emotions. For the psychoanalytic theorists, in order to understand the development, it is necessary to analyze the symbolic meaning of behavior and the inner workings of the mind. They agree that experiences in early childhood with the parents play an important role during development (Santrock, 2011, p. 22). According to Freud, development is sexual motivated and a child goes through five psychosexual stages: oral, anal, phallic, latency and genital. Freud believed†¦show more content†¦Bandura underlined that people pick up a wide range of behaviors, thoughts, and feelings through observing other individuals’ behavior (Santrock, 2011, p. 27). According to Skinner and Bandura’s learning theories, psychological disorder develop when an individual compare or compete their performance with traditional standards or with others and themselves. If the person does poorly in comparison with their standard, they will give themselves punishing self-responses. These self-responses can lead to feelings of shame. If the person thinks he is failing to meet the standards and start punishing themselves, they will have a poor self-image, which might result in psychological disorders (Boeree, 2012). According to Bronfenbrenner, everything in a child and the child’s environment affects how a child grows and develops. There are five environmental sytems: microsystem, mesosystem, exosystem, macrosystem, and chronosystem to his theory (Santrock, 2011, p. 28). Each system will affect the child’s development positive or negative. The microsystem is the small, immediate environment the child lives in. This setting includes immediate family or caregivers and their school or daycare. How a child acts or reacts to these people in the microsystem will affect how they treat her in return (Oswalt, 2008). The mesosystem is the setting where the interaction between family and the school or other socialShow MoreRelatedPsychological Disorders1154 Words   |  5 PagesPsychological Disorder July, 20, 2011 Psychological Disorder Paper Psychological disorders are stated to be abnormalities of the mind, known as mental disorders (Klasco, 2011). Abnormalities of the mind cause persistent behaviors that affect an individualà ¢Ã¢â€š ¬Ã¢â€ž ¢s daily function and life (Klasco, 2011). The different types of psychological disorders include mood disorders, personality disorders, anxiety disorders, and eating disorders (Klasco, 2011). The causes of these disorders are unknown, butRead MoreAttention Deficit Hyperactivity Disorder ( Adhd )1734 Words   |  7 Pagesapproximately 14% of young people aged 4–17 years, and 27 % in the 18–24-year-old age range. Most mental disorders, for example, attention deficit hyperactivity disorder(ADHD), anxiety disorder, mood disorder, psychotic disorder, begin during youth 12–24 years of age, although they are often first detected later in life (Lawrence et al. 2015). Poor mental health is related to other health and development concerns in child and youth, notably lo wer educational achievements, substance abuse, violence, andRead MoreThe Effects Of Psychological Development On The Development Of An Individual s Psychological Makeup1476 Words   |  6 Pages Psychological development is essential in shaping the personalities, behaviors, and morals of people’s everyday life. Many factors influence the development of an individual’s psychological makeup; including heredity and the environment they are put in. Although something’s can be hereditary, not all are. There are so many things that can produce from the environment and the people who surround you. Michael learned all too quickly the reality of being famous. Although everyone seemed to adore himRead MoreBipolar Disorder : Psychological Trauma And Neurobiological Abnormalities1627 Words   |  7 Pagesbipolar disorder are often misdiagnosed because bipolar is such a complex disorder that contains symptoms of other mental illnesses. Bipolar disorder is a debilitating mental illness that consists of multiple different forms, each with their own symptoms and severity. Bipolar I and bipolar II are the two main forms of the disorder and often the most studied. Resea rch has been conducted in both the fields of psychology and neuroscience but questions over the main cause of onset of the disorder stillRead MoreNeuroticism Is A Dimension Of Temperament That Can Potentially Play A Role1057 Words   |  5 Pagesdimension of temperament that can potentially play a role in disorders. Barlow and colleagues (2014) provide an understanding of this role, through the triple vulnerability theory. The theory incorporates: general biological vulnerability, general psychological vulnerability, and specific psychological vulnerability all interacting in the development of an emotional disorder (or neuroticism itself), particularly anxiety and mood disorders. Neuroticism is the tendency to experience frequent, intenseRead MoreAbnormal Psychology1154 Words   |  5 Pagesdue to psychological dysfunction that contains some features of deviance, potential injury, and distress. As various types of psychological dysfunction have been manifested throughout history, the field has developed to examine the causes and likely treatments of the dysfunctions. Therefore, abnormal psychology studies individuals regarded as atypical or abnormal, especially with the recent increase in psychological disorders. Origins of Abnormal Psychology: As psychological disorders have becomeRead MoreObsessive Compulsive Disorder ( Ocd )1321 Words   |  6 PagesRebecca Howell In the field of Psychology there are a number of psychological disorders as well categories in which these disorders are placed. Psychological disorders are categorized in the Diagnostic and Statistical Manual of Mental Disorders; the manual is now in its fifth edition, which is known as the DSM-5. In the DSM-5, Obsessive-Compulsive Disorder is categorized with other compulsive disorders. Obsessive-Compulsive disorder, also known as OCD, is a condition â€Å"marked by persistent, uncontrollableRead MoreThe Eating Disorder And Anorexia Nervosa1555 Words   |  7 PagesThe eating disorder anorexia nervosa is one of complex nature that is caused and sustained by many interconnected factors of life. Characterized by strict dieting, an unrealistic perception of body image, excessive exercise, depression, and OCD, this disorder has the ability to boycott the lives of many individuals (Pinel, 2014). In order to understand the effects that this disorder has, it is essential to look at t he socio-cultural, psychological, and physiological factors this disorder can entailRead MoreAlcohol Use Disorder Is An International And National Problem1006 Words   |  5 PagesAlcohol Use Disorder is an international and national problem. It is critical to address Alcohol Use Disorder because of its comorbidity status with other such addictions as well as the social harm it causes on an individual and societal level. This essay looks into the development and maintenance of Alcohol Use Disorder in relation to the Biopsychosocial model. The model focuses on three main concepts, biological, psychological and social factors that affect the addictive behaviours. In particularRead MoreEating Disorders are an Unhealthy Obsession1541 Words   |  6 PagesEating Disorders are a set of serious disorders with underlying psychiatric foundations. An eating disorder occurs when exercise, body weight and shape become an unhealthy obsession (Stein, Merrick, Latzer, 2011). People with eating disorders take physical concerns to the extremes that they take on abnormal eating habits. There are a variety of cases that lead to an eating disorder and can affect both men and women, however its prevalence primarily occur in adolescence (Ison Kent, 2010; Stein

What is Christianity free essay sample

Christianity is all that and more. Since the beginning of times there were followers of Jesus Christ they were called disciples now they are called Christians Webster dictionary define Christians as A person who believes in the teaching of Jesus Christ but its one thing to say that they believe and its another to show that they believes. a lot of people believe that Christianity is a set of rules to get to heave but its not. Christianity is so much more its the way of life and the way of iving. Christianity at its essence is the belief that Jesus of Nazareth was indeed the son of God and that He alone offers salvation. Salvation according to the bible is only achieved through believing in Jesus teachings and His ways of life; in other words faith is what saves people and gets them into the paradise. l am the revelation and the life, he who believes in me will live even if he dies, and he who believes in me will never die Revelation 22, explains that not only does Christianity offer salvation but it also promises new life and immortality in a way. We will write a custom essay sample on What is Christianity? or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Some view Christianity as things you have to do in order to reach God. Jesus answered, l am the way and the truth and the life. No one comes to the Father except through me' John14:6; in other words Jesus states that only through faith in Him can one be saved. That is the whole point of the bible. The thought of this life being the only one (no afterlife) is depressing and no one would look forward to that. Christianity offers an afterlife in a paradise beyond anyones imagination as long as one lived their life as a Christ follower of ourse. Revelation 21 He will wipe every tear from their eyes. There will be no more death or mourning or crying or pain, for the old order of things has passed away. He who was seated on the throne said, l am making everything new! Imagine a place where there is no pain, no tears, no death, no conflict, and no suffering. Imagine a place where everything is perfect all the time; stop imagining because its real and Jesus promises it to his followers and this is the essence of Christianity. By cfrancois9

Discussion about Renewable Energy consumption and Sustainability

Question: Discuss the literature survey on the renewable energy consumption and sustainability? Answer: Introduction Consumption is the key factor to achieve sustainable development as unsustainable patterns of consumption such as overexploitation of renewable energy resources, and using non-renewable resources are the major reasons for the deterioration on global environment. With the increasing trend in development, the expenditure of energy consumption per capita has increased in the last fifteen years by an average of one-third (Apergis and Payne, 2011). The consumption growth is expected to increase at a fast pace until 2020 at the same growth in GDP rate. Moreover, the advancement in technology has reduced the intensity of energy and material in products considerably. However, these advantages have been outweighed by the increasing volume of goods consumption. This paper draws attention to the individual decisions of consumers on energy demand in context of sustainable development. Literature survey Renewable energy consumption Ayoub and Abdullah (2012) defined sustainable consumption as the goods or services that will address the basic needs of customers minimizing the use of natural resources and toxic materials which in turn reduce the emission of wastes and pollutants to environment and lifecycle so that the needs of future generation are not jeopardised. Sustainable consumption is viewed as the process that involves negotiation and development of consensus. This significant process at some areas is seen to fight with the conventional market operations. Banos et al. (2011) opined that, all actors must be willingly engage in the discourse in order to achieve the new consumption strategies. According to Connolly et al. (2012), sustainable consumption has to be comprehended as a societal field of action, which is further characterized by the three significant interacting areas of action. Individual area of concern- This section is divided into two sub-areas i.e. demand-side area and informal area. Demand side area considers the household consumption activities and professional procurement activities of both the public sector and large scale private industries. The informal area include the private consumers who undertake informal activities i.e. informal work that is unpaid (Eichholtz et al. 2013).Informal activities are not visible on the level of demand and hence not oriented to market. Supply side area of action- This include activities of governmental bodies and companies to offer sustainable services, products and information. Socio-political area of action- This include activities to develop a general framework of governance for both by the governmental bodies, organizations and associations. Their activities consider supply-side, structural and individual area of action. According to GhaffarianHoseini et al. (2013), the above three actions are interrelated to each other. The consumer behaviour rather their consumption activity particularly depends on an appropriate infrastructure (i.e. availability of energy efficient household tools), supply side activities and socio- political measures (emission trading systems or existence of eco-labels). There has been a strong agreement among the experts and claims that awareness among the consumers is not sufficient for the implementation of sustainable consumption behaviour but brings about a significant change economic and social structures. As referred by Graves et al. (2011), the process of consumption is a socially constructed but historically changing mechanism. According to Hashim and Ho (2011), sustainable consumption is an ecological way of purchasing and using goods. The consumption behaviour of individual and society is highly influenced by a number of factors such as system infrastructure, specific lifestyles, routines and habit, and their social environment. Approaches to explain renewable energy consumption According to several Psychologists, energy-related behaviour highly force the role participation, peer networks, social context and macro level factors that contribute to the use of renewable energy resources. There is an ever-increasing debate on social dilemma in relation to consumption of energy and usage of green electricity (Howard et al. 2012). In both the situation, the behaviour of consumers and their cumulative behaviour mainly counts. Meanwhile, the social psychologists are focussed on extending their models beyond the light of conventional individualistic and significantly focus on the framework of holistic socio-ecological factor. According to the Kaygusuz (2012), a famous sociologist, who state that users does not consume energy rather they utilize to raise their family or operate business. Moldan et al. (2012) also opined that, users have little responsibility and engagement in sustainable consumption due to the centralised system of supply. In argument, Moriartyand Honnery (2012) stated that, the irrational behaviour of energy users acts as a barrier to energy efficiency and sustainability. Energy services Paetz et al. (2012) argued that determinants of energy consumption depends extensively on the renewable energy services i.e. whether the service dealing with heating or electricity, lighting or washing. Surveys on energy related preferences primarily refers to the choice between product alternatives i.e. replacement of products with renewable and energy efficient alternatives. Issues related to transport, in particular focus on the choice between transport or vehicles and less sustainable energy alternatives. Panwar et al. (2011) conducted empirical analysis to evaluate the affect of energy label on purchase decisions of automotive customers. The conjoint analysis shows that, the purchase decisions of customers are not influenced by the energy label hence shows they are less prone towards using the renewable energy resources. Empirical study on household appliances A conjoint analysis has been conducted by Richardson (2013), to study the consumer preference on using renewable energy alternatives in replacement to their household products. The study investigate the relative and significant willingness of consumers to pay for energy efficient products built out of renewable energy. Shi and Chew (2012) made an analysis on the impact of environmental certification on customer purchase behaviour considering the case of a wood furniture. The outcome of conjoint analysis shows that environmental certification is viewed as a positive product attribute, however the product preference of typical customers outweigh the importance of environmental certification. Stambouli et al. (2012) presented a frequent argument against the efficiency standard of sustainable products, in which the energy based product that represent maximum choice of customers is prohibited which in turn reduce the customer utility. However, it has been found out that, refrigerators that possess efficiency standards leads to increased utility for the average customers. In argument, Tugcu et al. (2012) states that his study on sustainable consumption claims that, significant impact of incentives on their payment such as loans or rebates can influence the choice of residential customers paying no heed to the level of efficiency in refrigerators. Green electricity The research on green electricity has been conducted by Apergis and Payne (2011) within the BMBF funded projects, on two consumer groups i.e. green electricity and solar thermal. In this particular research, randomly selected pedestrian were asked to about their preferences and motivation of purchasing and using renewable energy resources. It has been noticed that, buyers of green electricity are less sensitive to price in comparison to a group of non-buyers. None of the surveyed groups could estimate the difference accurately on asking them the difference in price between green electricity and conventional electricity. Ayoub and Abdullah (2012) conclude that, there has not been any effective marketing of green electricity with successful presentation of information. For instance, buyers of green electricity overestimate the price to four fold, however, non-buyers assume ten-fold higher price of green electricity on average. In argument, Banos et al. (2011) presents a conjoint analys is drawing attention to the preference of electricity customers. According to his research, customers pay more attention to the criteria of energy mix, location where electricity is produced and cost. On the other hand, specific attributes like the pricing model, supplier of electricity, the duration of contract and eco-certification plays a secondary for majority of private clients. According to his findings, consumers only prefer fixed price for a time of day or seasonal rates and they do not prefer to get locked in lengthy contracts. In addition, Connolly et al. (2012) analyzed the integration of renewable resources, its price, support to conservation programs, outages and customer services. The outcome of study states that, the willingness of customer to pay for reliability is an essential component of rational planning strategy for investment in electricity generation and transportation. It also acts as the key determining factor on optimal pricing schedule of electricity. Eichholtz et al. (2013) extended the conjoint research by Connolly et al. (2012), and based on the previous studies, he analyzed other significant attributes like type and amount of renewable energy, compound with other services, charitable contributions, minimization on voltage fluctuations, billing options, etc. The argument raises on evaluating the outcome that states, customers are highly concerned about the renewable energy offered by the suppliers. According to the estimation, customers are willing to pay on an average of 2.1 cents per KwH for a supplier who make use of 100% hydro energy than for the supplier who uses no renewable sources. Similarly, customers pay 1.48c more for suppliers using 100% wind than the ones with no renewable energy. Studies conducted by Graves et al. (2011), shows that consumers do not justify their decisions of renewable energy consumption by the concern of sustainable environment, even if their consumption pattern decreases the negative impact. In argument, Hashim and Ho (2011) demonstrate that consumers purchase more environmentally sound products. Now against the backdrop of the significant concepts like lifestyles, literature survey reveal indicate that based on the different need areas, the consumer behaviour differentiate significantly. Graves et al (2011) highlight on the fact that, the purchase behaviour of consumer is not predictable between the aspects of green consumption and need areas. As a conclusion, Kaygusuz (2012) state that different products and systems has to be considered separately and findings of one system is not transferred without the difference is perception of consumers. Conclusion The literature survey confirmed the hypothesis stating that transparency respective to the cost of energy utilization is positively correlated with the behaviour of energy saving. This has been shown through the different measures such energy labels and energy bills. Prices of energy plays a significant role and positively correlated with sustainable usage of energy. Higher the price of energy, the household becomes more responsive to the energy saving criteria. The conjoint analysis made by the authors on significant willingness of customers to pay for A-labelled energy efficient products depends on the different degrees of their energy efficiency (Moldan et al. 2012). A study presented in argument focus on the impact of incentive payment method, such as loans or rebates influence the choice of customers on sustainable consumption energy efficient products. Moreover, from the literature review conducted, it is evident that, adoption of sustainable consumption is not possible without altering the framework conditions such as (infrastructure, price, etc). It is essential to analyze the individual consumption behaviour in a given context of regulation and supply factors (Moriarty and Honnery, 2012). However, the literature does not generate any cle ar hypothesis till now. Although, there are certain agreement on the relevance of consumer lifestyle and attitude, but these factors has not yet been represented as the significant determinant of renewable energy consumption and their contribution towards sustainable consumption. Reference List Apergis, N., and Payne, J. E. (2011). The renewable energy consumptiongrowth nexus in Central America.Applied Energy,88(1), 343-347. Ayoub, M., and Abdullah, A. Z. (2012). Critical review on the current scenario and significance of crude glycerol resulting from biodiesel industry towards more sustainable renewable energy industry.Renewable and Sustainable Energy Reviews,16(5), 2671-2686. Banos, R., Manzano-Agugliaro, F., Montoya, F. G., Gil, C., Alcayde, A., and Gmez, J. (2011). Optimization methods applied to renewable and sustainable energy: A review.Renewable and Sustainable Energy Reviews,15(4), 1753-1766. Connolly, D., Lund, H., Mathiesen, B. V., Pican, E., and Leahy, M. (2012). The technical and economic implications of integrating fluctuating renewable energy using energy storage.Renewable Energy,43, 47-60. Eichholtz, P., Kok, N., and Quigley, J. M. (2013). The economics of green building.Review of Economics and Statistics,95(1), 50-63. GhaffarianHoseini, A., Dahlan, N. D., Berardi, U., GhaffarianHoseini, A., Makaremi, N., and GhaffarianHoseini, M. (2013). Sustainable energy performances of green buildings: A review of current theories, implementations and challenges.Renewable and Sustainable Energy Reviews,25, 1-17. Graves, C., Ebbesen, S. D., Mogensen, M., and Lackner, K. S. (2011). Sustainable hydrocarbon fuels by recycling CO 2 and H 2 O with renewable or nuclear energy.Renewable and Sustainable Energy Reviews,15(1), 1-23. Hashim, H., and Ho, W. S. (2011). Renewable energy policies and initiatives for a sustainable energy future in Malaysia.Renewable and Sustainable Energy Reviews,15(9), 4780-4787. Howard, B., Parshall, L., Thompson, J., Hammer, S., Dickinson, J., and Modi, V. (2012). Spatial distribution of urban building energy consumption by end use.Energy and Buildings,45, 141-151. Kaygusuz, K. (2012). Energy for sustainable development: A case of developing countries.Renewable and Sustainable Energy Reviews,16(2), 1116-1126. Moldan, B., Janoukov, S., and Hk, T. (2012). How to understand and measure environmental sustainability: Indicators and targets.Ecological Indicators,17, 4-13. Moriarty, P., and Honnery, D. (2012). What is the global potential for renewable energy?.Renewable and Sustainable Energy Reviews,16(1), 244-252. Paetz, A. G., Dtschke, E., and Fichtner, W. (2012). Smart homes as a means to sustainable energy consumption: A study of consumer perceptions.Journal of consumer policy,35(1), 23-41. Panwar, N. L., Kaushik, S. C., and Kothari, S. (2011). Role of renewable energy sources in environmental protection: a review.Renewable and Sustainable Energy Reviews,15(3), 1513-1524. Richardson, D. B. (2013). Electric vehicles and the electric grid: A review of modeling approaches, Impacts, and renewable energy integration.Renewable and Sustainable Energy Reviews,19, 247-254. Shi, L., and Chew, M. Y. L. (2012). A review on sustainable design of renewable energy systems.Renewable and Sustainable Energy Reviews,16(1), 192-207. Stambouli, A. B., Khiat, Z., Flazi, S., and Kitamura, Y. (2012). A review on the renewable energy development in Algeria: current perspective, energy scenario and sustainability issues.Renewable and Sustainable Energy Reviews,16(7), 4445-4460. Tugcu, C. T., Ozturk, I., and Aslan, A. (2012). Renewable and non-renewable energy consumption and economic growth relationship revisited: evidence from G7 countries.Energy economics,34(6), 1942-1950.