ShantanuT01/DACTYL-Pretraining huggingface dataset:
Introduction There has been budget allocation of retirement plan at Old Retirement Corporation (ORC) since its inception. The purpose of this investment policy statement is to give an insight on how the corporation manages its investment options within the return objective and risk tolerance. Purpose The purpose of this paper is to highlight the comprehensive investment options integrated in the employees’ retirement plan returns within the budget limits. Other objectives are stated in a written form which is financial analysis team attitudes, prospects, objectives and guidelines for the retirement investment plan and budget limits investment options. Portfolio asset management endeavors ensure investment options meet the prudential requirements. Statement of Objectives The investment policy plan is defined according to Old Retirement Corporation (ORC) plan established in 1 st January, 2000. The plan includes assets that amount to $3,000,000 which are less by 1 standard deviation (SD) as compared to the past three years. The investment policy statement includes various classes of assets that needed consideration on the best investment styles. The focus is therefore on assets that provide an opportunity to diversify the corporation’s portfolio within the investment time horizon and limitations. Time horizon The menu of investment guideline is based on long-term historical returns produced by the management for over three years. Risk tolerance The plan recognizes the fact that a number of risks have to be taken into consideration to have a realistic and achievable investment objective. The limits of investment options on risk tolerance are reflected in returns of less than 1 standard deviation. An estimated loss of about ½-yearr amounts to about 0.52% of the calculated portfolio. This is a probability of about 2%. This includes other interim fluctuations in the market valuation as well as rates of return. Performance Expectations The planned investment objective is a benchmark of about 5.7% for over 3 years. The return objective is based on the valuation and the investment limitation of the retirement plan. Another assumption considered is the future real returns in the long-term that are expected to increase. The team will focus on evaluating the market performance variances and adjust the rate of return accordingly. Description of the portfolio A constrained budget calls for effective management of funds in light of risks and investment limitation, yet targeting the highest return. Therefore, the main objective is to highlight the daily activities of the plan. Tabulated Summary of the Investment Policy plan Plan Description (Surpluses/Deficits)                                  Value                  Basic Account                                                          90%                    Split of Liabilities: Actives:                                         42%                    (Accrued Benefits) Retired:                                            54%                    Inactive:
Introduction An English poet who was interested in expressing his personal experiences life wrote the book ‘The Marriage of Heaven and Hell’. In this book, the author tries to bring out the social structure of the society. The book argues that in the material world that we live in, there is always a struggle between evil and divine forces. Human beings always desire to do good things. They want to help people and make the world a better place for everyone. Divine forces always define such feelings. On the other hand, the materialistic nature of the world would lead one to sin. The desire to own the world and to have servants makes one engage in acts, which may harm others or even their own conscious. As Blake (4) puts it, Heaven and Hell find themselves in a marriage where they are struggling for existence. The book ‘Frankenstein’ is a series of letters that Shelly wrote to different people about her personal life experiences. The author identifies a number of weaknesses she has to her friends. In this letters, the author states some of the actions that she associates with Godly forces. She also identifies forces that she considers devilish. In this essay, the author seeks to confirm that in the two books, the role of the devil is the same. Discussion An analysis of the two literatures reveals that the authors believed in spiritual world. They believed that both Godly and devilish power exist under the world. They closely demonstrate that in a person’s life, there is always a struggle between good and bad forces. In a person, there is always a desire to do what is right. Godly forces define this desire. However, sometimes one finds oneself doing what he or she knows is wrong (Berendt 78). Such worldly physical desires may make one do what is wrong. Devil influences one to engage in such immoral acts. The two authors agree that devil’s forces are very destructive. Shelley (85) says, “Fear overcame me; I dared no advance, dreading a thousand nameless evils that made me tremble.” She observes that evil forces came over her and she started trembling in fear, unable to advance. On the other hand, Blake (6) says, “I saw a mighty Devil folded in black clouds, hovering on the sides of the rock; with corroding fires.” These two statements closely relate in defining the role of the devil. The devil is not only dreadful; it is also destructive and only brings suffering. The authors also seem to agree with the fact that devil has very strong forces. The devilish forces are sometimes so strong that they consume an individual (Chaniani 67). In both books, there is an agreement that demon gives reward to those who follow his ways, and this reward is always disastrous. Blake (5) says, “The original Archangel is called the Devil or Satan, and his children are called Sin and Death. The scholar says that those who believe in the ways of the devil tend to get two main things. The first is always the desire to sin, and on
The impact of Copernicus’ and Galileo’s on the idea of renaissance humanism Copernicus published a theory indicating that the sun was at the centre of the universe and that all the planets and stars revolved around it (Sayre, 2012). This went against the popular science of the time, which held that the earth was at the centre of the universe, with the sun, moon and stars revolving around it (Sayre, 2012). Later, Galileo came to confirm Copernicus’ theory (Sayre, 2012). This confirmation led renaissance humanists to put further emphasis on the use of new scientific methods to solve problems. Once it was realized that science was stronger than religion in some aspects, the sciences was given further emphasis in schools and atheist communities began springing up. The impact of advancements in science and reasoning on the lives of people at the time of Enlightenment Developments in science and reasoning transformed the lives of people by forcing them to accept logically-proven information as the truth (Sayre, 2012). Prior to the age of enlightenment, most of the ideas that people had, were grounded on tradition and faith (Sayre, 2012). During the shift, people started believing less in superstition and more on facts derived from rational thinking (Sayre, 2012). The industrial revolution took place during the time of enlightenment and it had an impact on the lives of people. For instance, the dependence on agriculture was reduced and urban settlements started cropping up. Western countries, where the revolution first took ground became wealthier because they could exploit the resources that other countries did not know they had. Reference List Sayre, HM (2012). Discovering the humanities . New Jersey: Pearson Education.
Background On a global scale, the economic sector experiencing expedited growth is tourism. In the developing world, tourism industry exhibits great success as a chief foreign exchange earner, stimulating cross cultural understanding and providing employment. This may not be a uniform case in Africa. In Zanzibar Tanzania, for instance, the economic gain of tourism is yet to be fully realized. This has been occasioned by a major tourism management problem of insecurity. Threats to safety and security of the tourism sector in Zanzibar has affected the growth of tourism industry and subsequently impacted the environment, the economy and the social fabric at large. As such, foreigners who visit this destination to enjoy the beautiful sceneries become easy prey to criminals. Besides, the opportunities to economically benefits that would have been experienced from tourism have thwarted due to insecurity (Rosenbaum, 2011, March 13). However, these problems facing tourism sector can be given an appropriate approach, proper strategies and careful thinking to reach a solution. This essay will explore the issue of insecurity resulting from as a problem facing tourism in Zanzibar, and suggest possible solutions. Tourism Planning and management problem in Zanzibar Zanzibar attractions Zanzibar Island also referred to as Unguja is an interesting and enchanting island that links the past history when explorers interacted with the coastal people and the present bliss of beach holidays (Sifuna, 2010). It blends the way of life of travelers from the West and the Far East who come to enjoy wildlife safari, with the fascinating life of the local people. One of the most important attractions is the Stone Town located on the west coast of Zanzibar. Apart from being an awesome town, it bears the history and diverse cultures of the people of Unguja, museums which were formerly palaces, an Omani fortress built in the 18 th century and many other attractions (Foot
Recent economic and organizational trends indicate a shift in the area of the experience planning. More and more companies begin to pay attention to the transformative potential when designing and executing the festival experiences. The recent research of the hospitality sector indicates that transformative experience motivates clients to return for the repeat. With the modern diversity of entertainment-focused events, any event manager is aiming to achieve a loyal customer base that would be interested in a repeated experience. Consecutively, the analysis of the key characteristics that determine the transformative component of an event is relevant for the industry professionals. This paper contains a comparative analysis of the two articles that present separate perspectives on the transformative power of organized events. The first one discusses the subject matter in application to the festival experiences, touching on the well-known worldwide summer entertainment trend. The second one examines the ways transformative power can be found in organized leisure and tourism using the gay ski week in Queenstown as an example. Naturally, the perspectives of the articles differ due to the specifics of festivals and organized sports activities, and the added element of the LGBT community-centric entertainment in the second case. Firstly, this paper depicts and examines the key issues, depicted in two articles, and its approaches to the topic. Then, the analysis aims to compare and contrast these perspectives to enhance my understanding of the transformative potential of the events. I then summarize the findings of the analysis and how those might affect my planning of events moving forward. The first article’s goal is to develop an understanding of the events as potential vehicles for personal transformation. Not only do the authors recognize the existence of such potential, but they believe it can lead to a deliberately planned and achieved result. Thus, their research is dedicated to how transformative experience can be designed and applied to festivals. Such understanding is of obvious interest to festival organizers and event managers and is within the article conceptually backed by popular psychology and principles of experience economy. The article’s perspective on the transformative experience can be considered somewhat radical. It defines it as an experience that has an everlasting impact on a person, altering their outlook on life due to the sheer emotional intensity (Riva, 163). This approach includes both positive and negative connotations of life-altering intense memories, that can, depending on the details, be flourishing or traumatic. Said experiences cause an individual to develop epistemically and expand personall
PESTEL Analysis The PESTEL analysis is a strategic tool for the business strategy analysis, which provides a vivid picturisation of the business; it is the analysis of the macro environment to find out the emerging trends, market growth and business decline. The political factors depend on the government and its stability, the tax policy, monopolies act, trade tariffs of the government etc. The political climate has a changing effect depending on the country’s policies on import and export. The company being a corporate giant, it has to agree on the limits of the executive pay and perks fixed by the government. The government has recently made changes to the tax policy to hike consumption tax, tax on import etc. “Stronger financial controls will be pivotal as GM works to end losses of at least $US88 billion from 2004 until its June 1 bankruptcy filing. In November, GM said it had generated $US3.3 billion in cash in the third quarter while losing $US1.15 billion.” (Gibson, 2009, para.11). The socio cultural factors depend on the demography, life style, income, consumer behaviour; the demography includes age, gender and culture. General Motors finds it in the market in the name of the brand Ac Delco and it has the market presence in different countries – Asian, European, and US. The technological factors include the internet and the online marketing done through advertisement in the web and the awareness about the new products through advertisement and the online portals. The environmental factors are given much consideration by General Motors. They give priority to the aspects of vehicle air pollution and safety act. This company is the one to receive award for environment stewardship among the six organizations. The legal factors are those with the legislative point of view; they depend on the import and export laws and the trading laws and policy which the company practices. The five-force model The threat of new entrants The new players in the market try to capture the market with innovative features and the penetrated price in the market. In the case of automobile industry, new entrants are not at ease to enter as the market is matured with economy in production. Competitive rivalry Automobile industry is not a static industry. Rivalry in the industry is closely related in terms of productivity and profitability. The 3 big players are
Motivational interviewing (MI) is seen as a therapeutic technique developed to engage resistant consumers/patients in the process of change. Some researchers define MI as a direct and client-centred method that enhances intrinsic motivation to change by resolving and exploring ambivalence (Bricker & Tollison, 2011). While being guided by four principles (sympathy, discrepancy, resistance and self-efficacy), MI actively involves a collaborative relationship that emphasizes self-efficacy, consumer choice and the overall responsibility of the client to determine life goals. It has in this case been recently used as a brand in medicine, psychotherapy, public health and addictions. This paper hopes to offer an analysis of motivational interviewing as depicted by different literature. As expressed by Carlbring, Jonsson, Josephson and Forsber (2010), MI is a treatment approach that handles various dependency disorders including drug use and alcohol consumption. MI also has a skilled counselling style that enhances intrinsic motivation to change through exploring and resolving ambivalence. In their literature, Carbring and his colleagues also agree with the four principles expressed by Bricker and Tollison. While comparing motivational interviewing with acceptance and commitment, Bricker and Tollison (2011) literature observed that MI is one of the emerging therapeutic approaches that concentrate on commitment. MI also considers the use of values of a client in order to enhance commitment to behaviour change. This is achieved through adopting the client’s own language in order to achieve set goals. Motivational interviewing is further considered as an evocative technique that can be used to enhance progression during the stages of change. As argued by Walpole et al (2011), this concept assumes that an individual’s readiness to change is dynamic and variable. Consequently, different therapeutic techniques will be considered more constructive depending on the readiness for change. MI is therefore more useful to those people who are at early stages of change by helping them move from being unwilling to change to considering the possibility of change and being determined to make the change. Motivational interviewing also adopts a person-centred approach to counselling. According to Deci and Ryan (2012), being responsive to and acknowledging the feelings of a patient is important for their wellness and growth. In line with other literature on MI, Deci and Ryan further argue that promoting the autonomy and wishes of a patient is important in MI. In agreement with other researchers, Patrcik and Williams (2012) agree that motivational interviewing has been used in recent years to intervene and understand health behaviour. They further argue that MI is based on some concepts that include self-efficacy, cognitive discord and fundamental attributions which are expressed in some social-cognitive theories and social-psychological approaches. MI may have also drawn on other theories which regard the centeredness of patients. Through MI, medical practitioners are able to make recommendations when patients ask for advice and encourage openness during the p
For decades, people have been imagining investing as a term related to multibillion corporations and interests in millions of dollars. The notion of investing seemed to be far from the concept of average human profit. For this reason, people did not want to dwell upon the idea of investing their money due to a lack of knowledge and ambitions. However, now the world of investing has changed to such an extent that it is impossible to remain ignorant about the matter. Investing has gone social so that practically every human being is able to make a significant change in their lives and the world around them. Various corporations like Calvert or ValueAct encourage millions of people to make their first steps towards a secure future. An average resident of the US community who has some savings now has the ability to be educated on how this money works in terms of investing and creating a durable profit. All the readings provided are quite helpful for the general audience’s understanding of how investments work within average human interference. While the first article aims to show how exactly the process of investing has gone social, the other two articles about Calvert and ValueAct empirically prove the idea. The only thing that needs further discussion is presenting more practical tips on the first steps a person should take towards successful investing. Speaking of investment relevance, the corporations are now focused on the subjects crucial to the community in the first place. Thus, there is now a number of sustainable development-oriented projects concerning the environment. By investing in the environmental sphere, people will be able to help the planet by expanding the network of ecologically aware businesses. Furthermore, they raise their financial interests, as this topic will be popular with the world community residents for quite a long time. Despite all the opportunities now available for an average person, the vast majority of people are currently still hesitant about investing their money for a theoretically better future. In my opinion, people have to spend a few years acknowledging the benefits of making their money work in order to start investing themselves.
Abstract Prison Rape Elimination Act of 2003 is the first federal law in America to ever tackle the issue of prison rape, which existed ever since the conception of the modern prison system, but has been glanced over by the society and the legislative bodies. Now, more than a decade after the introduction of the law, it is possible to analyze its effectiveness, and review its policies through the prism of social work, efficiency, and morality, by using the New York prison system and Riker’s Island in particular as an example. Introduction The USA has the largest prisoner population in the world. According to the Bureau of Justice Statistics for the year 2015, over 1.5 million prisoners were held in the US state and federal correctional facilities (“Prison Rape Elimination Act,” 2017). At the same time, the USA cannot claim their prisons to be safe for the inmates. Prison rapes and sexual assaults have been plaguing the state correctional systems for generation, the earliest statewide reviews dating back to 1974 (Jackson, 2013). Rape is a horrible crime that damages the victim both physically and psychologically, leaving an imprint on the person’s psyche and preventing them from returning to normal lives after serving their sentence. As such, these crimes are not only atrocious but also counterproductive to the very idea of correctional facilities, as instead of correcting, they traumatize. According to RAINN statistics, the yearly number of rapes in American prisons estimates around 86,000 cases, with more than 60% of them being committed by prison staff (“The criminal justice system,” 2010). The issue of prison rape is commonly ignored by government authorities, so much that it had become a widely-accepted fact. The Prison Rape Elimination Act of 2003 was largely brought upon by a bipartisan coalition of human rights organization, social and religious leaders, professionals in the field, and legislative forces, which aimed to severely reduce the numbers of prison rape, create working mechanisms for reporting such crimes, punishing those who commit them, and counseling the victims (Jackson, 2013). Now is the year 2017. Over 14 years have passed since the Act was adopted and implemented. The purpose o