History of Adhesives and Glue

History of Adhesives and Glue Archeologists excavating burial sites from 4000 BC have discovered clay pots repaired with glue made from tree sap. We know that the ancient Greeks developed adhesives for use in carpentry, and created recipes for glue that included the following items as ingredients: egg whites, blood, bones, milk, cheese, vegetables, and grains. Tar and beeswax were used by the Romans for glue. Around 1750, the first glue or adhesive patent was issued in Britain. The glue was made from fish. Patents were then rapidly issued for adhesives using natural rubber, animal bones, fish, starch, milk protein or casein. Superglue - Synthetic Glue Superglue or Krazy Glue is a substance called cyanoacrylate that was discovered by Dr. Harry Coover while working for Kodak Research Laboratories to develop an optically clear plastic for gunsights in 1942. Coover rejected cyanoacrylate because it was too sticky. In 1951, cyanoacrylate was rediscovered by Coover and Dr. Fred Joyner. Coover was now supervising research at the Eastman Company in Tennessee. Coover and Joyner were researching a heat-resistant acrylate polymer for jet canopies when Joyner spread a film of ethyl cyanoacrylate between refractometer prisms and discovered that the prisms were glued together. Coover finally realized that cyanoacrylate was a useful product and in 1958 the Eastman compound #910 was marketed and later packaged as superglue. Hot Glue - Thermoplastic Glue Hot glue or hot melt adhesives are thermoplastics that are applied hot (often using glue guns) and then harden as they cool. Hot glue and glue guns are commonly used for arts and crafts because of the wide range of materials that hot glue can stick together. Procter Gamble chemical and packaging engineer, Paul Cope invented thermoplastic glue around 1940 as an improvement to water-based adhesives that were failing in humid climates. This to That A nifty site that tells you what to use to glue anything to anything else. Read the trivia section for historical information. According to the â€Å"This to That† website, the famous cow used as the trademark on all Elmer’s glue products is actually named Elsie, and she is the spouse of Elmer, the bull (male cow) who the company is named after.

How to Implement OnCreate Event for Delphi TFrame Object

How to Implement OnCreate Event for Delphi TFrame Object TFrame is a container for components; it can be nested within forms or other frames. A frame, like a form, is a container for other components. Frames can be nested within forms or other frames, and they can be saved on the Component palette for easy reuse. Missing OnCreate Once you start using frames, youll note theres no OnCreate event you can use to initialize your frames. In short, the reason that a frame does not have a OnCreate event is there is no good time to fire the event. However, by overriding the Create method you can mimic the OnCreate event. After all, the OnCreate for Forms gets fired at the end of the Create constructor - so overriding Create for Frames is as having the OnCreate event. Heres the source code of a simple frame exposing a public property and overriding the Create constructor: unit WebNavigatorUnit;interface uses   Ã‚  Windows, Messages, SysUtils, Variants, Classes,   Ã‚  Graphics, Controls, Forms, Dialogs, StdCtrls; type   Ã‚  TWebNavigatorFrame class(TFrame)  Ã‚  Ã‚  Ã‚  urlEdit: TEdit;  Ã‚  private   Ã‚  Ã‚  Ã‚  fURL: string;  Ã‚  Ã‚  Ã‚  procedure SetURL(const Value: string) ;  Ã‚  public   Ã‚  Ã‚  Ã‚  constructor Create(AOwner: TComponent) ; override;  Ã‚  published   Ã‚  Ã‚  Ã‚  property URL : string read fURL write SetURL;  Ã‚  end;implementation{$R *.dfm} constructor TWebNavigatorFrame.Create(AOwner: TComponent) ;begin   Ã‚  inherited Create(AOwner) ;   //OnCreate code   Ã‚  URL : http://delphi.about.com; end;procedure TWebNavigatorFrame.SetURL(const Value: string) ;begin   Ã‚  fURL : Value;   Ã‚  urlEdit.Text : Value; end;end. The WebNavigatorFrame acts as a website launcher hosting an edit and a button control. Note: if you are new to frames, make sure you read the following two articles: visual component development using frames, replacing tabsheets with frames.

Health Article Article Example | Topics and Well Written Essays - 500 words

Health - Article Example It is also important to know that sexual health is affected by socio-economic and political factors. The physical factors include chronic illnesses and even medical treatment that hinders the sexual functioning of the human being. These also include sexually related diseases such as STIs/ HIV and reproductive tract infections. Infertility also contributes to sexual health problem. And this does not only serve as a physical factor but also emotional and mental. Among the mental factors, mental incapacity hinders us in achieving optimum sexual health. Retardation as a hindrance, have an effect on the sexual urges and the perceptions of a person suffering from mental retardation on sexuality. Anxiety and fear on the other hand is a by-factor of sexual coercions like rape and molestations. When anxiety is developed, a person looks at sexual relationship as a non-gratifying behaviour. When this happens, a person's sexual health is at risk. Social factors on the other hand go beyond medical concerns. These include sexual awareness leading to unwanted pregnancies, which can also have disturbing effects on the health of the women. It may also be linked with sexual coercion. Limited knowledge on safe sex also hinders general sexual health.

Case study Example | Topics and Well Written Essays - 750 words - 33

Case Study Example Britt might be compelled by the culture in the company, as informed by Sue, regarding the information provided by George. In the case, George is willing to disclose and use insider information for the company to present a winning bid, probably at a fee. The returns of the act might be big, but the acts of ensuring the tender wins are unethical. In this regard, Britt is entitled to at ethically, and avoid getting involved in the acts. As a matter of fact and responsibility, she is supposed to disclose such information to the management. The hardest part would be such disclosure as the ethical misdemeanor is led by the team leader, whilst the management can compromise such information to get the tender. Notwithstanding, Britt should go ahead and do the right thing, hoping for the best possible response from the company. As an ethics officer, it is vital to discuss the belief of discussing a pending proposal with a decision making team. The issue is hard to tackle, but very vital and relevant to the parties, as it tries to curb future malpractices. Ethical malpractices if discovered may make a company less appealing to the essential stakeholders, making it lose profitability. One way of communicating the issue to the firm is by engaging the workers in a one on one discussion. As an officer, one can approach the employees on a personal basis and enlighten them on the ills on such a behavior. The officer can research for various cases that negatively affected other companies and effects on individuals of such companies. Such information will be vital in ensuring that the employees are conversant with challenges of unethical practices and thus try to refrain from the same. Another practical way of ensuring that the employees of such a firm are addressed on the issue is organizing conferences. Such conferences should be well tailored to handle ethical issues and if necessary other issues on good corporate responsibilities. Such a move, even though initiated by an

Video game controversy Essay Example for Free

Video game controversy Essay Technology has (had) come a long way since the early years of life. The use of technology to humans, is to enhance or improve whatever it may be to have a much quicker advancement or have a better and easy going lifestyle. But in the more recent years, technology has turned for the worst. Specifically speaking, video games. Video games in its early years were meant for a positive use, much like any other type of game; to simply act as a fun activity to pass time. That is not the case anymore because of how dangerously advanced and addicting video games can be. In fact it’s so dangerous nowadays that countries like South Korea are contemplating whether or not to ban video games. Why is it dangerous? Video games influence a type of negative social behavior, has a direct correlation to the cause of Insomnia, and is relevant to the increasing obesity rates in America. Playing video games can lead to many negative effects on a person. Video Games influence a type of negative social behavior. â€Å"The effects of videophilia are substantial and include obesity, attention disorders, lack of socialization and poor academic performance† (Video Game Addiction). The person (game player) may lose social skills and qualities depending on the level of video game addiction. Usually, the player is spending so much time on the game that he/ she is neglecting other areas of life. A common sign of video game addiction is constantly talking about the game almost constantly. â€Å" It is more likely to talk down upon a peer after a violent video game session† (Tiret). These types of social skills are not acceptable to continuously practice. The people that talk down on peers because of the violent video game session could go into depression or anxiety because of what others say or think about them. Young Children love playing rated M 18+ games that contain violence and other profound content (Parks). â€Å" the more time children and teens spend playing violent video games the more likely they are to display aggressive behavior† (Tiret). The more violent the game is, the more violent the player will be. It’s morally wrong to be mean for absolutely no reason towards other human beings. The effects on aggressive behavior can be long lasting (Tiret). A build up in anger is not healthy. If the constant aggression keeps up, the aggressive person will be ostracized by classmates or friends. Insomnia is easily caused by the lack of sleep, which is a common symptom of a video game addict. â€Å"Studies have shown that people deprived of contact with nature were at greater risk of depression and anxiety† (Wilderness Adventure). â€Å"In a study by Breslau and associates, patients with insomnia were nearly 4 times more likely to suffer major depression than those without insomnia† (Johnston). A depressed person will look at everything negatively and have no motivation to go outside. The person may even view his/ her life not even worth living. Stress and depression can be caused by a variety of things resulting in insomnia. Stress may be caused by hours on the computer playing a game without rest. Depression may hit the person, depending on intimacy with the video game, once he/she loses a lot. â€Å" insomnia and its associated daytime sleepiness had significant negative effects on cognitive functioning and impaired their subjects’ ability to perform ordinary tasks† (Johnston). â€Å"Excessive Sleepiness has been linked to learning disabilities in children and cognitive and memory problems in adults† (Johnston). If this keeps up then the next generations will become less capable than the ones before which shouldn’t happen. Remembering what you ate for breakfast will be very difficult. â€Å"Poor sleep hygiene includes an irregular sleep schedule, stimulating activities before bed†¦Ã¢â‚¬  (Mayo Clinic). The ‘stimulating activities’ could translate into playing video games before you sleep. The effects of the stimulating activities causes the person to stay awake longer in bed. Some argue video games can be healthy to a person. One of the biggest positive effects video games can have on a person is the fact that makes people happy. As a result, video games have become an easy scapegoat for numerous violent tendencies and social behaviors. Video games are indeed a scapegoat, but it doesn’t hide the fact that the people who play these games as a scapegoat are neglecting themselves from the real world. These people will not get to experience what it’s really like in the real world. Based on solid scientific evidence, video games may actually fill basic human needs that the real world fails to satisfy (Shapiro). This applies to people who have social anxieties causing these people to refrain from the outside even more. The people are not completely solving their problems, only temporarily. It is not the game’s fault for these negative effects. There are millions who play the game and don’t go out and do the negatively portrayed actions on the news. The criminals mention the games’ names and blame the games. Violent games are very influential on a person. â€Å"Reality is too complicated to blame playings games, moving pictures, or letters on a page† (Parks). Games are where people get ideas from. Life is commonly sealed into one perception for a person, and curiosity comes from ideas that have never been heard of before. Addiction of video games can easily lead into obesity which is a dangerous and lethal disease. Video games create an obstacle for children. â€Å"Children today spend an average of 6 hours each day in front of the computer and TV, but less than 4 minutes a day in instructed outdoor play† (Wilderness Adventure). There is an extreme amount of physical inactivity. The calories are not burned which turn into fat later on. â€Å"Getting less than seven hours of sleep a night can cause changes in hormones that increase your appetite† (Mayo Clinic). Less sleep IS a vital cause of obesity. Eating most of your calories at night contributes to weight gain. â€Å"Overweight and obesity are linked to more deaths worldwide than underweight† (WHO). Being overweight and obese brings cardiovascular diseases, diabetes, and even some cancers. The obese people are not outside and running which leads into no training for the cardiovascular system. While playing video games, gamers do not pay attention to what they eat which could lead into a massive buildup of diabetes. â€Å"More than 40 million children under the age of five were overweight in 2011† (WHO). 41% of certain cancer burdens are attributable to overweight and obesity. Children who play video games fit into this category. The topic of video games being perceived as a positive thing today is growing out of hand. It’s like spreading a humongous lie to gullible innocents. Affecting social behavior in a negative manner, causing obesity, and developing insomnia are serious matters. The negative effects of playing video games are severe and the idea of playing video games should not be taken lightly.

George Lopez Essay -- Media Television TV

The television show, George Lopez, is a series in which Latinos make up the entire cast of the family. It takes place in the present day Los Angeles and focuses on a family and their daily lifestyle. This is one of two television shows that are directed to the English speaking population that has the Latino minority as the main ethnicity of the cast. Only 4% of Hispanics make up the cast of prime-time television shows, a miniscule amount considering that Hispanic-Americans are the largest minority group in the US. The ways in which minorities are portrayed in the show have their good aspects as well as bad aspects. This is to be expected since showing all good points or all the bad points isn't a fair perspective of the Latino population. As a show that points out a minority, its necessary to look as the good as well as the bad to find if it is actually a optimistic view of the race or a pessimistic one. The positives shown in The George Lopez Show are demonstrated by the members of the family in many different ways. The main character George, was promoted to plant manager of an L.A. airplane parts factory in the beginning of the series. He also receives an award for excellence in business management later on in the series. These represent the success of a Latino man. In one episode, when George finds out that one of his son's friends is having a rough home life, he makes arrangement for someone to take him in and take care of him until his home is safe enough for him to reside in. This show's how human and how caring he towards others as well as his family. When his son, Max, needs help with his baseball skills in another episode, George shows that he is a devoted father and works tirelessly on improving his son's skills. ... ... Show† properly portraying Hispanic Americans in this country? Or is it just hopeful thinking on the part of Mr. Lopez on what he hopes will change (Porter, 2002)? It is true that â€Å"The George Lopez Show† does not stoop to the usual levels of stereotyping Hispanics as lazy or gang members (Morales, 2002). For the most part the show does a good job in portraying Hispanics in a non stereotypical way, however, the way that certain characters on the show talk, such as the mother and the brother, are very much the stereotypical Mexican dialect. Also, Lopez’s children are extremely lazy, which is stereotypical of the Hispanic culture, although its also very abundant in teenage culture too (Morales, 2002). The â€Å"George Lopez Show† has been very successful up until now in starting to remove the typical Mexican stereotypes in America, but it still has a long way to go.

DHL Company Essay

DHL is a laregest company in the world founded by Andrian Dalsey, Larry Hillblom and Robert Lynn in San Francisco 1969, and DHL is part of the Deutsche Post DHL group brand with a vision to become â€Å"the logistics company for the world†. DHL promise to customers is to provide simplifying services and sustainable solutions and to always demonstrate respect without compromising on results. Branding is the most effective DHLs factors of any business whether large or small, retail or business-to-business. An effective brand strategy gives a major edge in increasing competitive markets. DHL is international company in the world by present in over 220 countries and territories across the globe. For its contributions in past 40 years, DHL has become the global leader of the international express and logistics industry to solve the customer fulfill needed and want. 1. Do you think DHL’s branding strategies are suitable for the 21st century? Why or Why not? DHL’s branding strategies are suitable for the 21st century because is the age of modern technologies and namely information technologies. Technology environment is vital part of every business that rapidly moves of forward. DHL try to adapt the changes and make work in their customer favor. Now people run of time and final product must delivered in safely. The DHL brand stands for personal commitment, proactive solutions and local strength worldwide. DHL has been synonymous with fast, reliable express and forwarding services around the world. Depending on its deep understand of global internet and local market, DHL provides professional service in express, air freight and ocean shipping, ground transportation and international postal service areas. DHL and encompasses four divisions to serve customers. i) DHL Express: DHL Express transports urgent documents and goods reliably and time from door-to-door in more than 220 countries and territories and operates the most comprehensive global express network. DHL Express also provide courier and express services to business and private customers. The principles of providing a fast and focused express service, without losing sight of the importance of human touch, remains unchanged. The need to meet the hugely differing demands of local and global markets. DHL created a service that offers a choice of Time Definition and Day Definition delivery options together with a range of Same Day possibilities. ii) DHL Supply Chain CIS: supply chain is global market leader in contract logistics, providing warehousing, managed transport and value-added services and offers solutions for corporate information and communications management. DHL try to solve customer problem, they try to listen and identify growth objective, key customers, profitability goals, competitive issues. iii) Global Forwarding, Freight: are divided by rail, road, air, and sea to carry goods. In its daily business DHL Global Forwarding takes care of a variety of customers’ logistics needs from standardized logistics operations and multi-modal transport solutions to highly individualized industrial projects. Today, worldwide leader in air freight forwarding with more than 10% of the market. And international No.1 in ocean freight. iv) Global mail: DHL international global mail expert in providing customized solutions for your mail and business to business parcels by maintaining one of the world’s largest delivery network. Largest network for international mail dispatch, offering customers complete dispatch solutions for all international mail services from a single source, with direct links to more 200 countries. 35 sales offices and 40 production centre worldwide. Numerous cross-border solutions for customers mail shipments and just objective their satisfaction. The changing pace of globalization and the selling power of the internet now enable our customers to develop business connections around the world at any time, serve the customer and break into new market. To get trust from customer, DHL proven track record system to ensure maintain the high delivery performance standards to customers expect from a company. 2. Evaluate the effectiveness of THREE (3) tires strategies for their customers. How this strategy does help them in future to sustain their market positing? Do you have any other better idea that can help DHL? DHL try to know the customer life cycle deeply, DHL segments its customer different groups. According to different customer needs, customer segmented as strategic customer, long-term relationship customer and normal customer. Strategic customer is someone who has large amounts of logistics needs or  complex supply chain requires. Tier 1 – top customers, managed by Global Customer Solutions (GCS) globally DHL develops strong customer relationship to understand and know customer views. By greats understanding of customer, the company can adapt the specific service to fulfill customer needs. Usually, DHL Company always finishes their service optimally due to its excellent personal approach. DHL see to its that customer’s goods get to their final destination with maximum reliability. DHL try to attracting new customer but still to focused on old customer’s need to prevent losing those customers. In addition, the Global Customer Solutions which is launched for top 100 customers also make a great contribution to company and customer to create win-win situation. Tier 2 – other multinational customers, managed by individual business units globally The leading companies devise and evaluate their marketing strategy to survive and keep up with rapid transformations in dynamic and competitive environment. Along with the globalization and the development of technologies, more and more companies have to realized how complex the competitive situation is today. To respond to the highly competitive environment, DHL companies have to look for an approach to develop themselves from â€Å"inside† and â€Å"outside†. Tier 3 – thousand of local customers, managed by individual business units locally. As the biggest logistics company, the main service of DHL is to deliver goods or mails all over the world. DHL staff can speak local language to ensure the communication between customer and them is easy. 3. How do you assess DHL’s approaches to increasing globalization? What would be the main challenges for DHL in 21st century due to the Globalization? As a manager of DHL, how do you anticipate these challenges? Justify.

Demonstrative Communication Which Includes Nonverbal and Unwritten Communication Essay

Demonstrative Communication is a type of communication that observes non verbal cues. Examples of non-verbal cues include tone of voice, facial expressions, and body language. Demonstrative communication is one where gestures are employed. Better known as non-verbal communication, it deals with the sending and receiving of messages. Demonstrative communication can be formatted by one’s body language, written language, and some non verbal communication that can cause the main point of observe sing the key words of communication which deals with grasping the tone, facial expressions, voice communication which is the main part of communication. When interring the wrong concepts of communication that we all call listen which we do not when it comes to communication. Listen is a nonverbal communication which we all take as misunderstand of communication when sending, and receiving the main point of a message. Demonstrative communication can be ways of success by how well a person communicate with one’s views, and how people use their verbal, or nonverbal communication. The message of demonstrative communication encounters a person’s thoughts of communication that involves the way a person gasps the main points of the sender and the receiver. People have their own ways of processing one’s examples of communication such as listening; asking question to what is verbal or nonverbal of the sender and the receiver. Views has to be very sure of what the sender has produce of the main point of the message, and how well the receiver has listening to the meaning of the message to ensure that there is no misunderstanding of the concepts of the message. Receivers and senders can have positive, and negative meaning of how a message is giving and received because the sender who is producing the message can give some mislead information and the receiver can be mislead also by the wrong information. Using your body sing can also give off wrong sing of the way a person sending a message across to the receiver. The main and most important body sing a person can use when giving a direct message is eye contact so That the views are taken you serially about the most important message of what you are saying.

Free Essays on Ancient Rome, Compared With Early Modern Europe

Ancient Rome, Compared With Early Modern Europe Throughout history, we have seen the rise and fall of incredible civilizations, societies and ideas. As the Romans prevailed over Europe for one thousand years (from roughly 500 BC to 500 AD), the early modern Europeans from about the 1400's to the 1800's put forward some ideas which were key in the development of our modern world. Had Europe progressed considerably one thousand years after the fall of the Roman Empire? This essay will examine this debated issue by establishing and comparing daily life in both societies. Due to the fact that marriage was an important political aspect in ancient Rome and that no religious beliefs prevented divorce, it was common for the marriage of aristocrats to be dissolved. Couples could separate for personal or political reasons. Augustus demanded that Tiberius divorce his wife and marry his widowed daughter Julia instead. "Among lower class people who had no political affiliation, the divorce rate was probably lower."1 Romans seemed to view marriage as more of an arrangement then a romantic fulfilment. Women were encouraged to stay married since strict laws would award the custody of the children to the husbands in case of divorce. Augustus was bothered by the marriage patterns of the aristocrats due to its effect on the birthrate and the image of Rome. Augustus therefore passed a series of laws which made divorce, adultery and bachelorhood extremely distasteful. These laws brought unhappiness to his own family when his daughter and granddaughter committed adul tery. Roman families were generally small. The aristocrats worried about the chance for their offspring to hold public office and the inheritance which they would receive. Even lower income families seemed to have few children. Low fertility, high infant mortality, 1. RichardGreaves et al. Civilizations of the West. (N.Y.:Addison-Wesley, 1997) p. 160. the exposure of unwan... Free Essays on Ancient Rome, Compared With Early Modern Europe Free Essays on Ancient Rome, Compared With Early Modern Europe Ancient Rome, Compared With Early Modern Europe Throughout history, we have seen the rise and fall of incredible civilizations, societies and ideas. As the Romans prevailed over Europe for one thousand years (from roughly 500 BC to 500 AD), the early modern Europeans from about the 1400's to the 1800's put forward some ideas which were key in the development of our modern world. Had Europe progressed considerably one thousand years after the fall of the Roman Empire? This essay will examine this debated issue by establishing and comparing daily life in both societies. Due to the fact that marriage was an important political aspect in ancient Rome and that no religious beliefs prevented divorce, it was common for the marriage of aristocrats to be dissolved. Couples could separate for personal or political reasons. Augustus demanded that Tiberius divorce his wife and marry his widowed daughter Julia instead. "Among lower class people who had no political affiliation, the divorce rate was probably lower."1 Romans seemed to view marriage as more of an arrangement then a romantic fulfilment. Women were encouraged to stay married since strict laws would award the custody of the children to the husbands in case of divorce. Augustus was bothered by the marriage patterns of the aristocrats due to its effect on the birthrate and the image of Rome. Augustus therefore passed a series of laws which made divorce, adultery and bachelorhood extremely distasteful. These laws brought unhappiness to his own family when his daughter and granddaughter committed adul tery. Roman families were generally small. The aristocrats worried about the chance for their offspring to hold public office and the inheritance which they would receive. Even lower income families seemed to have few children. Low fertility, high infant mortality, 1. RichardGreaves et al. Civilizations of the West. (N.Y.:Addison-Wesley, 1997) p. 160. the exposure of unwan...

Words for Extreme Weather Events

Words for Extreme Weather Events Words for Extreme Weather Events Words for Extreme Weather Events By Mark Nichol What’s the difference between a hurricane, a typhoon, and a tropical storm? The first two types of weather events are cyclones that sustain surface winds of at least 74 miles per hour- faster than virtually any highway speed limit in the United States. The term â€Å"tropical storm† refers to a degraded hurricane or typhoon. And why are there separate designations for hurricanes, typhoons, and cyclones, which are essentially identical weather events? Hurricanes are storms that develop east of the International Date Line, which runs north to south through the middle of the Pacific Ocean. Hurricane is derived from the aboriginal Taino language’s word hurakn, which was borrowed into Spanish as huracn and thence into English. Taino was spoken throughout the islands of the Caribbean Sea, so it is natural that the language would inspire present-day usage. (A number of other words survive by assimilation from that dead language into English, including barbecue, hammock, and tobacco.) Typhoon, by contrast, stems from Greek, although it refers primarily to storms occurring in the vicinity of China and the Philippines, on the other side of the International Date Line. What’s the connection? The Greek term typhon was appropriated by the Arabs and thence found its way into Chinese, influenced by a similar-sounding Chinese word for â€Å"big wind.† And cyclone, also from Greek (ultimately from kyklos, also the origin of circle and cycle), is used popularly in the South Pacific Ocean, though scientists worldwide use the term when speaking or writing in English. Why do we capitalize names of hurricanes, typhoons, and tropical storms, and why are they assigned people’s first names? These are conventions established in the early 1950s by the scientific community to distinguish between two or more weather events occurring at or near the same time. (For the first quarter-century, only female names were used, following an alphabetized list. Starting in 1978, male names were used as well.) The tradition of assigning personal names to severe storms actually goes back hundreds of years, however; Caribbean hurricanes were named after saints based on which saint’s day the storm occurred, and the assignment of women’s names dates to the late nineteenth century. Some eighty names have, because of the catastrophic severity of the event, been retired from the list, an average of more than one a year; in 2005, Hurricane Katrina was only one of five storms whose names were retired because of the especially devastating nature of the storm. The score given to quantify a hurricane’s strength is also capitalized; the highest level is Category 5. Todays YouTube video: Inquire vs. Enquire Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:Arrive To vs. Arrive AtCapitalization Rules for Names of Historical Periods and MovementsHow Long Should a Synopsis Be?

Financial Markets and Risk Essay Example | Topics and Well Written Essays - 1000 words

Financial Markets and Risk - Essay Example The long term savings and investment products offered by banks and NBFI’s are mostly life assurance, pensions and other investment products such as fixed deposits with a long term maturity. Fixed deposits are time deposits which give a higher interest rate than the normal demand deposits. Pension products are aimed at meeting the retirement needs of investors wherein a lump sum amount is given to the investor which is accrued over the years. Investing in bonds (government and corporate) is another option where there is more safety even though the returns may be comparatively less. Some banks and many NBFI’s provide platform to invest in mutual funds also. II. Implications for individual savers and investors of a significant increase in the general interest rates. The most visible effect due to the increase in interest rates is on the loans borrowed and deposits made by individuals. An increase in interest rate means increase in the repo rates of banks. This will result in an increase in the mortgage loans’ interest as well as other loans and debts like credit card debt. The increase in interest rate on loans will force the individuals who already borrowed the loans to pay more on the interest and this will lead to fewer savings. Those who had plans to borrow loan will postpone the same in order to be relieved of the extra burden of higher interest repayment. Another aspect is with the timing preference of making deposit. Since the interest rate is high, the return on investment from banks in the form of deposits will also be high which will prompt the individuals to make more investments out of their savings. Exchange rate changes can also be an effect of interest rate change. When the interest rate increases, there will be more inflow of foreign money in the form of FIIs. This will lead to an increase in the value of the domestic currency. The implications are that, the individuals who invested in foreign currency will see their value of i nvestment come down in terms of domestic currency due to the decrease in value of the foreign currency, other factors remaining the same. Also this will make imported goods relatively cheaper to the domestic buyers which in turn force the domestic producers to reduce their products’ price which means more savings for the individual. Rise in interest rates will also affect stock and securities like bonds. When interest rate rises, the price of existing bond falls. This is because investors can get higher rates on newly issued bonds. A rising interest rate may affect the stock market also because 1) investors will turn to buy bonds as they give better yield, 2) investors need to pay more to borrow money and spend them, which will lead to a slump in the growth of many companies which produce consumer goods. III. Risks to commercial banks of a significant rise in general interest rates. All banks face interest rate risks. Changes in interest rate can reduce a bank’s earnin gs and lower its net worth. Interest rate risk is defined as the volatility in earnings or the value of a financial institution owing to unexpected changes in interest rates. â€Å"The chief source of interest rate risk is the mismatched re-pricing of a financial intermediary’s assets and liabilities.†