California State Printables, Including Crosswords and Word Searches

Amy Tan s Touching Novel The Joy Luck Essay - 1514 Words

Amy Tan’s touching novel The Joy Luck follows four mothers/daughters pairings. Each pair had a momentous experience from childhood that had an impact on them in their adulthood. The impact is shown by the way Suyuan Woo, Lindo Jong, Ying-ying St. Clair, and An-mei Hsu, who left their country for their own respective reasons raise their daughters. The Joy Luck is centered around their American-born daughters Jing-mei â€Å"June† Woo, Waverly Jong, Lena St. Clair, and Rose Hsu Jordan. The problems each daughter is faced with stem from the complicated relationship they have with their mothers. In The Joy Luck, Tan illustrates how the lack of communication can put a strain on a relationship. Unresolved conflict has an effect on not only the relationship but alter the way you see or interact with that individual or others. Parental relationships aren’t immune to encountering this conflict, Tan uses the mother-daughter dynamic as a theme to illustrate the power of comm unication through Jing-mei Woo her mother, Suyuan Woo. The theme of lack of communication is used to show and teach a moral lesson; in order to mend a relationship you must be willing to communicate and stop holding grudges because life is short. Miscommunication is the primary problem the mother-daughter pairings face because of the difference in cultural values and views. Ultimately, due to miscommunication, there is a cultural clash. Suyuan unhealthy romanticized views of America and the hope of achieving â€Å"AmericanShow MoreRelatedStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 Pagesand permission should be obtained from the publisher prior to any prohibited reproduction, storage in a retrieval system, or transmission in any form or by any means, electronic, mechanical, photocopying, recording, or likewise. To obtain permission(s) to use material from this work, please submit a written request to Pearson Education, Inc., Permissions Department, One Lake Street, Upper Saddle River, New Jersey 07458, or you may fax your request to 201-236-3290. Many of the designations by manufacturers

Puerto Rican Culture Development within the New York Diaspora

According to census research at Lehman College (1), during 1945 to the 1950’s more than half a million Puerto Rican natives migrated to several parts of the USA, originally from their own homeland, Puerto Rico. Several of the locations that Puerto Ricans migrated to include Chicago, New Jersey, Boston, Philadelphia, and New York City. One of the cities that experienced a large boom of Puerto Rican population was New York. This period was known as the â€Å"Great Migration† and had several factors that led to the mass migration. Some of these major events include the 1917 signing of the Jones-Shafroth Act by Woodrow Wilson, and the Great Depression. Afterwards, Puerto Ricans were permanent citizens of the US From these events. This still poses†¦show more content†¦They start migrating due to hoping on finding a new start in the states because Puerto Rico’s economy at its worse at this time, and the common person is not finding jobs is starving. As air tr avel technology advanced and low cost air flights appeared, this is where we start to see when a huge amount of Puerto Ricans decide to migrate over into the United States, and one of the states they migrate largely to in particular was New York City. They also migrate there also because non – stop flights toward New York were also becoming available at the time. Those Puerto Ricans also sought out a new beginning to their lives. This is also the time when Puerto Ricans start developing their culture and neighborhoods in New York. In 1945, technological advances in the aviation field helped Puerto Ricans migrate in immense numbers, and also the air fare of flights were affordable for the average Puerto Rican instead of a higher upper class only being able to afford air travel. Puerto Ricans then began to travel all over the US, but a massive number, about 200 to 500 thousand migrated toward New York. Now before the mass migration, Puerto Ricans were already living in New York, specifically in East Harlem known as â€Å"El Barrio† to many Puerto Ricans. They had moved there mainly because of the affordable housing rent and non-existent racial discrimination since racial discrimination was still big in the 1920-60’s. TheShow MoreRelatedOne Significant Change That Has Occurred in the World Between 1900 and 2005. Explain the Impact This Change Has Made on Our Lives and Why It Is an Important Change.163893 Words   |  656 PagesThe Story of Reo Joe: Work, Kin, and Community in Autotown, U.S.A. Van Gosse and Richard Moser, eds., The World the Sixties Made: Politics and Culture in Recent America Joanne Meyerowitz, ed., History and September 11th John McMillian and Paul Buhle, eds., The New Left Revisited David M. Scobey, Empire City: The Making and Meaning of the New York City Landscape Gerda Lerner, Fireweed: A Political Autobiography Allida M. Black, ed., Modern American Queer History Eric Sandweiss, St. Louis:

Siegfried Sassoon´s Poem - 811 Words

Ever wondered the type of poet the war of WWI could make? War has always been deadly, cruel, harsh, and with the introduction of new weapons it was everything a soldier could fear times ten. Among all the chaos and deaths that followed during WWI there was one soldier/war poet, Siegfried Sassoon, who created poems that vividly portrayed his experiences of being a soldier in one of the world’s largest wars. Siegfried Sassoon’s poems gave people back home a clear picture of what was really going on and what conditions the soldiers had to live under during the years that the war lasted. Siegfried lived a life that was greatly affected by war, the deaths of people he cared for, and his strong passion for writing poetry. (Mixture of all sources) Siegfried Sassoon was born on the month of September, the 8th day, and in the year of 1886. At an early age Siegfried lived in Matfield, UK in a mansion that went by the name of â€Å"Weirleigh† along with two other sibling an d his parents. Throughout his life Siegfried lived in a numerous number of places because of unexpected injuries in war, however Siegfried Sassoon passed away at the age of 80 in the year of 1967, the month of September, on the 1st day, in the city of Heytesbury, UK. Siegfried was only 7 days away from his 81st birthday before he passed away from stomach cancer. (http://www.sassoonfellowship.org/siegfriedsassoonfellowship/id1.html) Siegfried was primary named by his mother because of his mom’s love ofShow MoreRelatedAn Analysis Of Erhard Schon s The Vienna Woods And Siegfried Sassoon s Poem Atrocities 893 Words   |  4 Pagessavagery that is inflicted upon both parties during the expansion of Empire: Erhard Schà ¶n’s illustrations that accompany the translated texts of the ‘Turkish Riders with Christian Captives,’ ‘Turkish Atrocities in the Vienna Woods’ and Siegfried Sassoon’s poem ‘Atrocities’. Both pieces ar e a representation of different points of view during two different wars. However, though they may be separated by 500 years, both are easily able to relay the pain that is trust upon common everyday people whoRead MoreSimilarities Between Rupert Brooke, Siegfried Sassoon, And Wilfred Owen1531 Words   |  7 Pagesspecifically poetry, changed. Rupert Brooke, Siegfried Sassoon, and Wilfred Owen all share one common bond: these men were war poets. According to the Oxford Dictionary, the term â€Å"war poet† means â€Å"a poet writing at the time of and on the subject of war, especially one on military service during the First World War.† These poets each had a distinctive outlook on the war, that is depicted in their style of writing, and noticed by readers through reading their poems. The devastating war had negatively shiftedRead MoreAnalysis Of Siegfried Sassoon s The War 1514 Words   |  7 Pages Siegfried Sassoon was an influential man that lead the people to the revelation of the war’s heinous truth. His genius use of literature epitomised the reflection of his critical view of the war. Siegfried Sassoon declares â€Å"I have seen and endured the sufferings of the troops, and I can no longer be a party to prolong these sufferings for ends which I believe to be evil and unjust.† and thus, he begins his personal attack against war through the power of literature. He deprecated his distasteRead MoreWorld War 1 Poetry Essay1681 Words   |  7 PagesFocusing on two World War One poems, explore how the poet expresses their feelings. Dulce et Decorum Est - Wilfred Owen Suicide in the Trenches - Siegfried Sassoon In the poem, Dulce et Decorum Est by Wilfred Owen we can understand Owens feelings toward the war, in the form of strong sarcasm and empathy. Poems were often used by many people, as a way to vent their feelings, and find a voice. Strong empathy is felt as Owen himself was a soldier in the army and military hero until he got admittedRead MoreWar Experience, By Siegfried Sassoon And The Song Hero Of War By Tim Mcllrath1150 Words   |  5 Pagesevaluated effectively. Two texts that portray such things are the poem, ‘Repression of War Experience’ by Siegfried Sassoon and the song ‘Hero of War’ written by Tim Mcllrath. The values and beliefs of the author are prominent in representations of war. Siegfried Sassoon was a soldier in World War I and many of his poems reflect his personal experiences, as some of his poems have been described as â€Å"harshly realistic laments or satires.† Sassoon suffered from shell-shock and was hospitalized, this is reflectedRead MoreThe Battle Of The War I1244 Words   |  5 PagesThousands of young British men like Siegfried Sassoon went into World War I with this idealism. The bloodshed found there came as a tremendous shock, as the war was unlike the image portrayed; the modern war was different and horrifying. It was during the First World War that literature from these soldiers was developed as a result of the increase in education levels amongst the British soldiers and public in the years leading up to the war . Siegfried Sassoon was one of the most famous British warRead MoreWar Poetry Essay988 Words   |  4 PagesTo what extent does the poetry of w ar dispel the myths associated with the war propaganda of World War I? Throughout the early 1900’s the war propaganda that was published to entice young men to enlist and join the war gave them false ideas about the front line. Young men and boys were told that war was one big adventure and encouraged to go to the great war and become a hero. Young men were fooled into believing that dying for your country was sweet and honourable however three men who fought inRead MoreWilfred Owen s A Soldier For The Allies1707 Words   |  7 Pagesthirty-seven million affected by World War I. Wilfred Owen was a soldier for the allies, an alliance composed of the United States, England, France. He bravely gave his life to attempt to end the war. However, before he died, he wrote a number of poems based on the things he endured while fighting in the war. Wilfred Owen uses his experiences from war, such as a gassing and a surprise attack gone wrong, as inspiration for his poetry; he uses his experiences to illustrate the horrors of war. WilfredRead MorePoems of Siegfried Sassoon2159 Words   |  9 PagesWith the poems of Siegfried Sassoon we are moving from the conventional way of writing in the approach of the issue of war, in what sense First of all his approach is an anti- war approach , he is not encouraging young people to join the war , he speaking of war as being a cause of death. Because he is less conventional; he is less traditional , he is writing poems labeled until now as anti war poems , we find the division of his sentences, rhyme in words, the division of the poem into 2 stanzasRead MorePoem Analysis : Sassoon s Poetry1493 Words   |  6 Pagesextraordinary flowering of poetic talent. The influence of English war poet and soldier, Siegfried Sassoon, extended far beyond his own works. His journey through the conflict of war reflected a wider evolution of the literary world. I find that following the evolution of Sassoon’s poetry throughout his life contributes to the understanding of the reality of the ‘Great War for Civilisation’. Through his poetry, Sassoon exposed war as it really is – destructive, brutalising, and an indefensible waste

CRM Solution for Bank of Central

Question: Discuss about the CRM Solution for Bank of Central. Answer: Introduction The bank of central Queensland, abbreviated as BCQ is financial institution based in Broome. It was established in 1958 a farmers cooperative. The bank has operated as second tier regional bank providing services to the local community. Contrary to what would have been expected to result from the impact and competition of the big four banks, the Central Bank of Queensland has emerged to be successful in its operations. Because of the lean and cost-effective model of business, the bank has been able to deliver remarkable profits to its shareholders, while at the same time protecting the welfare of the customers (BOCQ, 2016, p. 1). This business case on the bank of central Queensland highlights three software vendors that have been identified and proposed three different solutions that will initiate the progress of the Bank of Queensland. BCQ is a financial institution that offers the major insurance, wealth management, equipment finance, and banking services. The bank employs a distinguished concept of owner Managed Branch (OMB) to carry out its activity. It means that it involves a partnership between experienced bank managers (franchisees) and the Bank of Central Queensland (franchisor). BCQ has a network of over 280 branches all over Australia. The increasing demand for efficiency and effectiveness necessitates that the upgrades its business and technology processes to compete sufficiently in the market. The bank hopes to provide better services, maintain its extensive customer base and lure new customers by CMR/data warehouse. This business case extensively describes the three CMR options offered by differ ent vendors. Background There is a dynamic trend in the way that companies utilize and pay for Customer Relation Management (CRM) application. The previous years have registered a notable change in the areas of focus and the way they are done (Lin et al., 2010, P. 113). Initially, companies used to operate on the primary continuous license-based systems to access web-bases CRM, a system where companies provided huge upfront amounts and maintenance fees every year. Currently, companies are shifting from the primary continuous license-based arrangement to a just monthly or annual fee to be offered with CMR services, a move initiated by both the client companies and the service providers. Under such condition, it comes as a foster towards realizing a cost effective and convenient plan for the company and the provider (Kumar, 2010, p. 50). Therefore, it comes with the advantage of being able to save company finances. However, the difference in the arrangement of the pricing system is a point of misunderstanding among buyers and the vendors because they try to compare the total amount of money involved in the service provision. At times, the buyer fails to understand the specific terms of the statement of certain amounts. Therefore, it is important to scrutinize the available options to identify one that is most suitable for the particular company in a particular situation. It is worth noting that the efficiency of these plans is hugely dependent on the particular situation and not a total arrangement across all settings. It justifies the reason for having a variety to choose from (Linoff Berry, 2011, p. 73). Through venturing into alternative businesses, the company has gained a legacy system providing award-winning supply chain solution that the company would like to maintain. However, there is a significant threat of losing its customer base, especially with the Big 4s implementation of new marketing initiatives that tend to attract its customers, which have to be tackled by a counter-plan at an early stage (Elsas et al., 2010, p. 1274). The first step of development of the systems was the consult external consultancies on Information Technology to investigate the available solutions in the market for improving the CMR systems. Three forms were approached, and all of them gave different solutions with different price quotations. The following are the options available and the type of solution that they proposed Ozzie Solution: Build, own and operate Customer Solutions Development Consulting: Build and install Relationship Plus Solution: Build, install, and maintain Not to do anything In this business case, a fourth option is added, which is to do nothing. The status quo option maintains the present systems of CRM and is important as it is going to act at the reference point to evaluate the other options. After conducting the relevant information, a comparative assessment was done to find the operating ratios, simple ROI, IRR, NPV, break-even points, and total operating cost. A comparative risk and benefit assessment were carried out to determine the risk and benefit of each option (Vu Turnell, 2011, p. 530). A comparative evaluation period of five years was set to match the time stated by the providers and the company vision. A most likely forecast of 100 percent growth every year will be considered in the business to attain ease of comparison. Statement of Problem The Big 4 banks have launched new marketing plans that threaten to lure the clients of BCQ, competition more intense in the market. The elevating demand for effectiveness and efficiency has necessitated the BCQ to upgrade its technology support infrastructures and the business process to maintain its competitiveness in the market. Among these infrastructures and processes needed, a CRM solution was the most important or the bank, to make their services better, so that they can maintain the customers they have now as well as attract other customers. The recent initiatives by the government to rebuild commerce and industry in the region have initiated steady migration o workers and steady growth business enterprises (Davis, 2011, p. 13). Analysis The ability of the Bank of Central Queensland has been able to maintain excellent service delivery to its customers, as well as ensuring reasonable returns for the stakeholders through a culture of optimistic risk taking and confidence. The financial institution believes strongly in their product range market and the need to maintain the lead by implementing expansion and innovation initiatives. The Bank of Central Queenslands expansion vision is evident through the acquisition of complementary businesses, venturing into sectors that were not initially on the list of thought. Initially, the bank operated on banking services only but later developed to accommodate insurance and property management, among other ventures. On the other hand, innovation is portrayed through the approval of the company management to approve the investigation of new and improved CMR systems, which would function as growth drivers (Ernest et al., 2011, p. 291). Objective The objective of the business case is to select the best CRM solution for the Bank of Central Queensland. Customer Development Consultation The second option evaluated was Customer Development Solution contender. This option promised to design the data warehouse and CRM database setup, deliver the system, train the company personnel on using the system and finally host the system. Their payment terms include a mobilization fee, milestone delivery amount for the first half, milestone delivery for the amount of the final solution, a training cost, and an annual amount or hosting and controlling the CRM solution. They have experience in finance and banking but with at most two senior project managers, and one with experience may not be available. Benefits The benefits of this option include a flexible payment plan; give that the amount will be paid in phases. Secondly, the group has been in operation for a long time and had experience in finance and banking industry. Thirdly, the transaction is secure as money is paid to the progress of the solution is monitored. The group also has positive legacy integration. Finally, the option has a lower cost of operating and total cost over the stated period. The benefits can be summarized as follows Flexible payment plan Good experience There is room for monitoring the process Positive legacy Lower operating and total cost Costs This option requires a mobilization fee of $300,000, then a milestone fee of $600,000 delivery of the first half of the project. Another $350,000 is requested upon delivery of the second half, and a training cost of $200,000. The annual fee is $450,000 per annum. The prices are as presented below. Mobilization fee $300,000 First half $600,000 Final Solution $350,000 Training cost $200,000 Hosting cost $2,250,000 ($450,000*5) Total Cost $3,700,000 Estimation of timescale for the project This option of CRM solution for the BCQ did not set a time estimation for the delivery of the first half, the final solution, and the training. However, it is expected to take more time, since the solution is developed in phases, plus a training period. The hosting period of the company will be five years. This is the time estimation First half : Not specified Final Solution : Not specified Training period : Not specified Hosting period : Five Years Risks The risks involved with the second option include lack of a timescale for the completion of the project, which may cause budget inconveniences. Secondly, the group has only one or two senior project managers, making it possible that the one with experience on banking may not be available. Finally, it may cause confusion in budgeting since the amounts are distributed over a period. The risk factors can be summarized as follows Lack of timescale Possibility of project manager with experience in banking and insurance not being available Possibility of causing a budgeting confusion Others Among all the options provides the second option the only one that provides training for the company personnel. The fact that reference sites have been provided, BCQ can follow up to trace the suitability of the group for the solution. The phase implementation of the project will ensure that the company benefits from the projects as it goes on. Net Present Value (NPV) Net Present value = Present value of all cash benefits Present value of all the cash outlays NPV = B C B = benefits C = cost bt = benefits in the period r = rate of discount ct = costs in the period NPV = ($56000000 + $31000000 + $18600000 + $18600000)* 1.05 - $3,700,000 = $130410000 - $ 3700000 NPV = $126710000 Internal Rate of Returns Where CFn = cash flow in the period NPV = Net Present Value 0 = ($56000000 + $31000000 + $18600000 + $18600000) * 1.05/ (1 + IRR) = $126710000 IRR = 0.080660563 IRR= 8.07% Return On Investment (ROI) ROI = (Gain from investment cost of investment)/ cost of investment (($56000000 + $31000000 + $18600000 + $18600000) * 0.5 - $3,700,000) ($62100000 - $3,700,000)/ $3,700,000 $58400000/$3,700,000 ROI = 15.78378378 RO1= 15.78 Bibliography BOCQ. (2016). Company overview. Available at www.boq.com.au. Accessed from https://www.boq.com.au/aboutus_company_overview.htm [accessed September 15, 2016]. Davis, K., 2011. The Australian financial system in the 2000s: dodging the bullet. The Australian Economy in the 2000s, pp.313-314. Elsas, R., Hackethal, A. and Holzhuser, M., 2010. The anatomy of bank diversification. Journal of Banking Finance, 34(6), pp.1274-1287. Ernst, H., Hoyer, W.D., Krafft, M. and Krieger, K., 2011. Customer relationship management and company performancethe mediating role of new product performance. Journal of the Academy of Marketing Science, 39(2), pp.290-306. Kumar, V., 2010. Customer relationship management. John Wiley Sons, Ltd. Lin, R.J., Chen, R.H. and Kuan-Shun Chiu, K., 2010. Customer relationship management and innovation capability: an empirical study. Industrial Management Data Systems, 110(1), pp.111-133. Linoff, G.S. and Berry, M.J., 2011. Data mining techniques: for marketing, sales, and customer relationship management. John Wiley Sons. Vu, H. and Turnell, S., 2011. Cost and profit efficiencies of Australian banks and the impact of the global financial crisis. Economic Record, 87(279), pp.525-536.

Accounting and Financial Management

Questions: Consider shares in two companies, JAY and KAY, as follows: Expected Return E(R) Standard Deviation s Correlation Coefficient r Share JAY 12% 18% 0.3 Share KAY 24% 32% a) Calculate the covariance between Share JAY and KAY returns. b) What is the expected return and standard deviation of returns on a portfolio comprising 35% in Share JAY and 65% in Share KAY? c) If you wanted to create a portfolio consisting only of these two shares, how much would you need to invest (weights) in each share so that your portfolio return would be equal to 15.6%? Note: do not round. d) Using the weights calculated in part c), calculate the variance and standard deviation of your portfolio. Answers: a). Covariance = 2/3 ( Return abc Average abc ) * ( Return abc Average abc ) (Sample Size) - 1 = 2/3 x [(18-12) x (35-15)] (2)-1 = 2/3 x [(6)] x [(20)] (2) 1 = 2/3 x 240 5 = covariance is 48 b). Expected return and standard deviation = E(RA) = 2/3 0.12 + 1/3 0.18 = 0.5933 (5.93%) = E(RB) = 2/3 0.35 + 1/3 0.34 = 0.34 (3.4%) The expected rate of return for jay is 5.93% The expected rate of return for Kay is 3.4% Calculation of standard deviation SD(RA) = [2/3 (0.12-0.5933)2 + 1/3 (0.12-0.5933)2]0.5= 2.2535 (22.532%) SD(RB) = [2/3 (0.35-0.34)2 + 1/3 (0.35-0.34)2]0.5 = 0.335 (33.5%) c). In order to create a portfolio based on the above two shares a total 70 weights is required to be invested to arrive at 15.60% which will result in variance being 0.01789 and standard deviation will be 13.35% d). Jay Kay Expected return 12 24 Standard Return 18 32 Correlation coefficient -0.3 Weight 1 Expected Return variance Standard Deviation 100 12% 0.0324 18% 90 13.20% 0.02416 15.54% 80 14.40% 0.0193 13.89% 70 15.60% 0.01783 13.35% 60 16.80% 0.01975 14.05% 50 18% 0.02506 15.83% 40 19.20% 0.03375 18.37% 30 20.40% 0.04583 21.41% 20 21.60% 0.0613 24.76% 10 22.80% 0.08016 28.31% 0 24.00% 0.1024 32% Conclusion The preparations of this report require certain formula and it has adhered in terms of prescribed calculations as listed in the study. The reporting period of the report is in accordance with the financial statement, which will be prepared for a minimum period of at least one financial year. The report is consists of presentations and classification of items in the financial instruments which defines that any materiality changes in the above stated calculations. Recommendations This report illustrates the information, which approves for negotiation of convertible bonds for long term basis carrying the interest rate of 10% along with deterring the market price of each of the bonds issued. The current information about the basis of issue of financial instruments is prepared in accordance with the policies and procedures. Bibliography Parrino, R, Kidwell, D, Au Yong, H, Morkel-Kingsbury, N, Dempsey, M Murray, J 2011, Fundamentals of corporate finance, 1st edn, Wiley, Sydney. Parvi, R., 2014, September. Share price of companies listed on WIG20 and their fair value. InEDIS-Publishing Institution of the University of Zilina EIIC3 rd Electronic International Interdisciplinary Conference(pp. 169-177).