My Future Goals and Why Essay Example for Free

My Future Goals and Why Essay My future goal is to obtain enough education for me acquire some of the skills I want to work with women and children that have been abused, either violently or sexually. One of my main reasons for enrolling In the Addiction Studies Program here at Peninsula College is because drugs and alcohol play a huge part in Domestic Violence and other forms of abuse among other things. I would like to open a unique center, where women and children could go for safety, and I would incorporate and introduce Art Therapy as one of the many tools one needs to heal in this life long process. see more:how to achieve my goals essay I strongly feel as a child, art helped me escape to a place that I needed to go to in troubled times. As an adult, just plain therapy was on the top of the list, as a different form of abuse crept into my life. To my amazement, art helped me escape to that same place I went to as a child in troubled times. I want to help others heal, and educate all so as to stop these painful cycles of abuse that many times can be foreseen or stopped, with just a little awareness and education, as in my own personal case. The education, Ive only just begun. Compared to what I’ll need to be an Art Therapist, Ill be going to college for the next 5 to 7 years. Personally, Im not sure I have it in me to go to school for that long. I’ve decided recently that Im not going to make my goals too high, so as not to set myself up for failure like I have done so many times in the past. I am almost done with the Addiction Studies program here at Peninsula College, and when finished, I will continue to take classes to finish my Associate of Arts degree. If I decide to pursue Art Therapy, I will seek a Bachelor’s and Masters degree at Antioch College in Seattle. The reality of it all is that Ill probably do an online program through Western College in Bellingham. I have also been considering going all of the way and get my CDP, because I’m interested in Trillium Treatment Center and what they offer. For now, I am all about just taking one day at a time and trying to get healthy again, I have suffered from depression, PSTD and anxiety most of my life, and it seems that the older I get, the harder it is to snap out of it. I am going to change my medication next week because the Cymbalta doesn’t seem to be working as well as it should. I am looking for work because I believe that it is good therapy and I need the extra financial help. I have not worked since 2009, due to surgery on both left and right hands. I have Carpal Tunnel still but not as bad as I did before, and I know that not working has contributed to the depression. I believe that staying enrolled in classes has kept me somewhat sane, although it has been a struggle at times. Currently I am in the process of filling out an application at Healthy Families. I think it would be a great place to get my foot in the door while working with the population that I want to work with. I also have the contact person at Trillium Treatment Center, so I need to find out what it will take to maybe get my foot in the door there. I feel that it would be important for me to pursue my CDP since I am so close to completing the Addiction Studies program, and completing this is detrimental to my current state of mind. In the past, I have always come so close to getting my degree, but for whatever reason, I never finish anything I start. One of the drawbacks I am currently experiencing is that I really need to get a job that pays something, even just a little. Another drawback is that I have something on my record that has previously just kept me from getting a job that I really wanted and felt that I was ready for. The bad thing is, is that there shouldn’t be anything on my record, but I took the charge just to get it over with. I have been way too trusting most of my life, and never would have thought that other people could be so devious in their actions. I have taken this as one in many life-long lessons that needs to be applied to my life. I know that I need to get out into the community more and network with more people, so I have signed up to volunteer for the Project Homeless Connect on March 30th. There will be a training session that I need to attend on March 27th or 28th, and I am very excited to be doing this, as I am kind of a homebody and don’t really go out much unless I have to. In order for me to make any kind of difference, not only in my life, but others, I need to commit to doing it. On that note, I need to take some bold steps in the direction that I want my life to move in. As I explore and develop some of my ideas about what I really value in my life, I can use these values as a sort of road map into my future. Each value that I have can be like a compass point by which I can chart the course of my life and start walking in that direction. This is basically a four-point process that constantly repeats itself through life: First point is to contract my alues, second is to develop my chosen goals that will help me move into a valued direction, third, is to take very specific actions that will allow me to achieve those goals, and fourth, I need to contact and work with my internal barriers to move towards action. To help me achieve this, I have taken the first action in obtaining and reaching my goals by Creating the Road Map: Setting Goals. In Chapter 12 of the ACT workbook, I had listed some of my values in order of importance, manifestation, and life-deviation scores. Now I will need to decide which of those values I want to work toward incorporating into my life right now. I know that ultimately I will work on all of these, but for now, I will choose only one. This will give me a good model in which to work from and follow for the other valued directions I will want to take. I am going for the middle-of-the-road in order of importance, because there are some barriers that I am not quite ready to take on, but I feel that if I can just get past a few, I can build up my mental strength and self-esteem. I read a quote in the workbook that I wrote down and posted in several places throughout my home. The quote says, â€Å"I just want to do this because that’s what I want my life to be about. It’s not really about any outcome. I want to be alive until I’m dead. † I guess I liked this because I do not feel like I am really living anymore. I do not do any of the things I used to do and I have become dependent upon one person, and that person is not me. In the past I have felt like the goals I set for myself was the true goal, but that really isn’t the case. I have chosen a short-term goal that is obtainable and will help me with some of my long-term goals also. I have already signed up to volunteer for the Project Homeless Connect on March 30th. I only need to go to one training session, and have a choice to do the one day training either on March 27th or 28th. For me, this is huge, this is something outside of my daily routine of school and home, but I have checked my goal for the following items: Is it practical? Is it obtainable? Does it work with my current situation? Does this goal lead me in the direction of my stated value? I answered yes to all of the above, so the only barrier I would face in not accomplishing this goal would be fear, sickness or pure laziness. I also believe that one of the problems that I suffer with is an issue with self-control. Avoidance and fusion feed this pattern of mine, which in essence, disrupt my life and make it nearly impossible to achieve any goals, whether they are short or long-term. I have decided that I need to make a commitment to myself and follow through with it. I need to break the old behavioral pattern that has doomed me ever since I can remember. I am tired of being a failure and giving up, tired of making a commitment, breaking that commitment, the quitting that commitment all together. I am going to work on setting my goals and following through for myself. I want to live my life, not just pass through it. I want to thank you for your commitment to us as students; I have to say that you are one of my favorite Instructors, although you are not easy, I appreciate that you make us try harder, and sometimes that is just what a person needs.

Government Intervention On The Internet Essay -- essays research paper

Government Intervention on the Internet During the last decade, our society has become based on the sole ability to move large amounts of information across great distances quickly. Computerization has influenced everyone's life in numerous ways. The natural evolution of computer technology and this need for ultra-fast communications has caused a global network of interconnected computers to develop. This global network allows a person to send E-mail across the world in mere fractions of a second, and allows a common person to access wealths of information worldwide. This newfound global network, originally called Arconet, was developed and funded solely by and for the U.S. government. It was to be used in the event of a nuclear attack in order to keep communications lines open across the country by rerouting information through different servers across the country. Does this mean that the government owns the Internet, or is it no longer a tool limited by the powers that govern. Generalities such as these have sparked great debates within our nation's government. This paper will attempt to focus on two high profile ethical aspects concerning the Internet and its usage. These subjects are Internet privacy and Internet censorship. At the moment, the Internet is epitome of our first amendment, free speech. It is a place where a person can speak their mind without being reprimanded for what they say or how they choose to say it. But also contained on the Internet, are a huge collection of obscene graphics, Anarchists' cookbooks, and countless other things that offend many people. There are over 30 million Internet surfers in the U.S. alone, and much is to be said about what offends whom and how. As with many new technologies, today's laws don't apply well when it comes to the Internet. Is the Internet like a bookstore, where servers can not be expected to review every title? Is it like a phone company who must ignore what it carries because of privacy; or is it like a broadcast medium, where the government monitors what is broadcast? The problem we are facing today is that the Internet can be all or none of the above depending on how it is used. Internet censorship, what does it mean? Is it possible to censor a... ...m for our mind's thoughts will fade away. We must regulate ourselves as not to force the government to regulate us. If encryption is allowed to catch on, there will no longer be a need for the government to intervene on the Internet, and the biggest problem may work itself out. As a whole, we all need to rethink our approach to censorship and encryption and allow the Internet to continue to grow and mature. Works Cited Compiled Texts. University of Miami. Miami, Florida. http://www.law.miami.edu/c6.html. Lehrer, Dan. "The Secret Shares: Clipper Chips and Cyberpunks." The Nation. Oct. 10, 1994, 376-379. Messmer, Ellen. "Fighting for Justice on the New Frontier." Network World. CD-ROM database. Jan. 11, 1993. Messmer, Ellen "Policing Cyberspace." U.S. News & World Report. Jan. 23, 1995, 55-60. Webcrawler Search Results. Webcrawler. Query: Internet, censorship, and ethics. March 12, 1997. Zimmerman, Phil. Pretty Good Privacy v2.62, Online. Ftp://net-dist.mit.edu Directory: /pub/pgp/dist/pgp262dc.zip.

Multicultural in school setting Essay

The article, what makes a school multicultural? talks about social change in the society. The concept of multiculturalism has not been clarified but everyone has an idea of what it is and they are thus left to judge with their believes and biases. The article is well written and talks of the 21st century as a century that is very sensitive to culture focused on international matters as a way of getting orientation to the future because industrial changes that are taking place have caused the environment to suffer greatly. Multiculturalism has been shown to promote respect for all different type of people from the various races (Roysircar & Sandhu, 2003). The schools according to this article regard themselves as multicultural because of the diversity that they have racially and ethnically. The article does not however give a clear answer as to if; this is what makes the schools to be multicultural. The article discusses multiculturalism in the schools as an imperative of the law and the society. It also says that diversity should be valued. The article says that for a school to be considered as a multicultural it should implement it policies, perspectives, programs, practices and personnel to have a reflection on the heterogeneity of the affirmative action, which is dynamic. It should also be sensitive to needs of the groups, which include the student population. They should also be in a position to create an ambiance socially and culturally. The schools overall mission should be incorporated by its policies. The article says that the society is changing in a rapid rate and this is what forces the schools to also embrace the changes. Question #1 Opportunities and challenges that ethnic diversity poses to our society and our schools (N. Y) Some of the opportunities that the ethnic diversity poses to our society are that, it allows the people to immigrate into the other countries. For example, the United States has many immigrants who have come from different parts of the world some to work and some to learn. We have seen that many students who have are immigrants perform very well in schools due to availability of resources. It is also important to educate children about ethnic diversity so that they can understand about the stereotypes and the negativism that is directed towards various groups of people. When students get to learn that their ethnic group is valued, they get a very high self-esteem and become confident that they are indeed living in a society that is free. Some of the challenges brought about by this diversity are that, the society lacks a common heritage on which to base its education system on (Roysircar & Sandhu, 2003). Ethnic Diversity poses issues of insecurity in New York and majority of other countries through terrorism in the society because people especially the Muslims are stereotyped to be involved in many bombings. Ethnic diversity faces prejudices because it is regarded to be the cause of some of the social problems that are modern. These problems are unemployment, competition among groups in the society and in general the urban decay. Especially when the economy is not doing, well the minority in the New York are undermined. For the schools, they become flooded and the children end up dropping out. In addition, the college education becomes expensive for the immigrants since they are in a foreign land. Question #2: Contributions of the Arab Americans in the society and Challenges that they face. Arab American have greatly contributed to America in the sense that, they have lawyers educators and doctors among them in America. They are hence are in a position to help fight against diseases such as cancer and leukemia. Danny Thomas who was an Arab American Doctor, helped to establish a cancer centre for children that bore his name and today so many American children have benefited from this foundation. They have also helped America to diversify its cultures and languages, which even though it required a huge funding they were able to raise it with time. They also hold other positions that American can hold and hence contribute to the economy in the same measure. The Arab Americans face the challenge of being distrusted. This makes the Arab Americans feel that America is being unjustifiably hostile towards them. However, as much as the mistrust exists, majority of the Arab American love America (Donaldson, 2001). They also face the challenge of racism, misinformation about their history, discrimination and negative stereotyping. A stereotype goes that says they are the majority in the American prisons. The misconception about Arab Americans is spread through teachers, peers and mostly through the media, which depicts them as terrorist in movies. To solve some of the challenges that face them, the media has to change its stand and support the Arab Americans so that they can be treated equally in the society. If this does not happen the Arab Americans have, the task of having to work more than they have usually work in order to be treated equally it the society (Pope-Davis, 2003). REFERENCES Donaldson, K. (2001). Shattering the denial: protocols for the classroom and beyond. London. Greenwood Publishing Group, Pope-Davis, D. (2003). Handbook of multicultural competencies in counseling & psychology. London. SAGE. Roysircar, G. & Sandhu, D. (2003). Multicultural competencies: a guidebook of practices. Dublin. AMCD. Rosado, C. (1995). Critical Multicultural Pavilion: what makes a school multicultural? Print viewed on July 24th, 2010. http://www. edchange. org/multicultural/papers/caleb/multicultural. html

Scientifically Based Research School Reform - 1551 Words

The policy mandates that school reforms and practices should be grounded on â€Å"Scientifically Based Research† and employ educators that are â€Å"Highly Qualified† (Manna Petrilli, 2008, p. 63). The â€Å"Scientifically Based Research† (SBR) and â€Å"Highly Qualified† (HQ) teachers are supposedly, fruits of collaboration between educational researchers and the policy makers. Regretfully, the overuse phrases have become mantras and in the process the real definitions of the words or how they are supposed to be implemented is convoluted. Combined with school leaders’ professional wisdom, HQ should be the foundation of school reforms and SBR supposed to inform teaching practices, curriculum decisions and school programs to improve student learning.†¦show more content†¦Reflectively, if policy makers have invested their own funds and time, or the cause or goals are more in line with that of their own ideology, then clearly they will have t o pay much more attention to the data before making their decisions. The finger-pointing reveals the miscommunication between researchers and policy makers, and is a major dilemma in the fragmentation of research effort. To further their own agenda, sometimes political entities higher influential â€Å"synthesizers† to carry out their own research in order to promote what their organizations deemed important (p. 77). As Petrilli states, the synthesizers put together the â€Å"High Qualified† research, package it into something that is ideologically suitable for their own agenda and pass it down to policy makers. The user-friendly language, same ideology and compelling evidence why policy makers should embrace the definition of HQ will ultimately help policy makers to make their decision. Education field as a whole, whether it is academic, research, structures, management or a combination of them all is a complex entity and full of political, social, economical and ideo logical agendas tangled deeply within it. One would think that if a program that has been researched extensively and the findings are conclusively effective, school leaders might want to use it to improve education practice. However, quite often personal philosophy, ideologies and beliefs of schoolShow MoreRelatedEducational Reform1289 Words   |  6 PagesEducational reform is a political process with a primary focus on making improvements to the current educational system. In 2001 education in the United States indicated there were multiple and significant achievement gaps across ethnicities, income levels, and geographies (Bush, 2001). These educational gaps placed a great strain on the United States (Economic Impact, 2009), with â€Å"too many of our neediest students...being left behind† In an attempt to amend the situation, the federal governmentRead MoreThe Effect of Comprehensive School Reform On Middle School Achievement1562 Words   |  7 PagesIntroduction Schools with high dropout rates are categorized as underperforming schools. Since a majority of our children, who drop out of school, do so in middle school or the first year of high school and their ages range between 12 and 16 years (Cohen Smerdon, 2009). It is the inability of many middle school kids to make the transition to high school that contributes to an increase in dropout rates. In order to address under performing schools and the high dropout rates, school reform programs wereRead MoreNo Child Left Behind Act1747 Words   |  7 PagesLeft Behind Introduction The No Child Left Behind Act (NALB) was signed into law by the former President of the United States George Walker Bush on the 8th of January 2002. It was a congressional attempt to encourage student achievement through some reforms focused on elementary and secondary education programs in the United States. The NCLB requires that within a decade all students including those with disabilities to perform at a proficient level on their state academic evaluation tests. The statedRead MoreEssay on History of Response to Intervention784 Words   |  4 Pagesdesignation of LD, or learning disabled, was the IQ/Achievement Discrepancy model. This was often referred to as the â€Å"wait to fail† approach because students could not receive additional attention until a discrepancy between expected performance (based on IQ test results) and an observed deficiency could be demonstrated conclusively over time (Prasse, 2010). This method of identification delayed added resources for student s who really needed it until remediation became difficult, was applied inconsistentlyRead More No Child Left Behind Assessment Essay1289 Words   |  6 Pagesin a way that demands evidence of understanding† (Jimaa, 20011, p. 217). The No Child Left Behind (NCLB) education reform program is a good example of this concept. The ambitious federal education bill that President Bush signed into law in 2002, NCLB, required the federal government to use its spending power to prod school districts across the country to rely on scientific research to guide the teaching of reading. Was it a winner or not? President Bush stated that â€Å"there isn’t any need to throwRead MoreMany Children During The Psychoactive Effect That Stimulates1396 Words   |  6 Pagesnotion of ADHD On a global scale the interweaving and the pharmaceutical industry seem to do the opposite of this; skewing practise to over prescription of medication. Reports of the strain that caring can bring care give at the end of life of home based families. This strain can encompass psychological difficulties which include the fear of not coping and anxiety and depression. With early intiated financial support of family carers and to propose ongoing assessment of family carers to reduce carerRead MoreVoting Essay896 Words   |  4 PagesVoting is a right that has long been fought over; it has taken countless reforms, amendments, and societal changes to make our country’s great democracy what it is today. The time has come again to make a much-needed reform in voting policies by lowering required age. Sixteen-years-olds should be permitted voting status for numerous reasons including their access to the same rights as older adults, previous success this policy has carried in other areas, and the full cognitive and reasoning developmentRead MoreThe Classical School Of Criminology1485 Words   |  6 Pages1. Answer the following with respect to classical school of criminology: A. Discuss the historical context of the origins (emergence) of this perspective.   When did it arise?   Was it a response to any previous perspectives? The classical school of criminology is foundationally based upon the history of crime and punishment. Throughout history, crime was dealt with in an extremely harsh and inhumane manner. Criminals and suspected criminals were quartered, burnt at the stake, tortured, and subjectedRead MoreThe No Child Left Behind Law1315 Words   |  6 Pages Today the public school system in America is failing to meet the educational standards. The public education is lack of focus to teach their students abilities and skills and is lack of funds, supplies and resources to improve the learning and educational experiences for students. Public schools getting worse and worse according to critics and experts. The United States is being beaten by other nations with higher test scores and the government have being trying to close the achievement gap andRead MoreThe Learning Process Of An Educator776 Words   |  4 Pagesbeen what many consider the organ of learning and many researchers record that a person is born with all the neurons they will ever have. One writer described this as the brain you are born with is the brain you are stuck with. However, current research proves this theory incorrect and provides evidence that brain cells can be repaired. This discredits the myth that brain damage is permanent. Now at my age, I rejoice in t his because I need all the help I can get. Looking through the eyes of an

Stress Management - 3995 Words

TOPIC AT A GLANCE Topic Name: Managing Stress at Work Managing an over worked and stressed human resource have become a challenging and ever difficult task for today s managers. With a view to utilize the available human resource thus minimizing costs and maximizing profits, today both managers and their subordinates have to coop with work related stress. This stress if it goes to certain extent without being controlled can affect the person s family/social life, health, performance etc and changes the employee s whole attitude towards work- frustrating, demotivating and frightening him/her which in the long run damages the organization and the employee both. This paper will briefly examine the various stress-management†¦show more content†¦7. Career Development a) Status conflicts b) Obsolescence of skill c) Mid-career stage Consequences of Stress 1. On the Individual: a. Physical Aliments e.g. headache, insomnia and heart problems b. Mental e.g. anxiety, lack of clear thinking, loneliness c. Behavioral e.g. excessive smoking, drinking, withdrawal from relationships 2. On the Organization: Low productivity, poor quality, absenteeism, low job satisfaction, accident proneness and poor interpersonal communication. Indian Methods of managing Stress Indian philosophy consisting of Upanishadas, Vedanta, etc, is very helpful in winning stress. Dr. Satish Chandra Pandey (8m Journal, JIMS April-June 1997) has given some valid points on managing stress, some of which are as follows- 1. Develop training programs for executives and other staff members for their total personality development based on Indian values, so that they can develop their own strategies for coping with their organizational environment/stressors. 2. Each organization must develop its own management philosophy based on Indian values and educate its employees about that philosophy to motivate them for achieving excellence in different areas. 3. Organizations must know that reducing organizational stress is as important as motivating employees. Both the process is complementary to each other: they are not replacements. Stress Management Techniques There are numerous techniques that experts recommend for relieving theShow MoreRelatedStress And The Stress Management1474 Words   |  6 PagesThe definition of Stress, its history and how to manage Stress is a daily conversation word as the world is becoming more challenging and difficult to live. It is very important to understand, and know how to manage it on a daily basis especially on our workplace. This essay will be broken into four parts firstly it is going to discuss about the contrast and similarity in the definition of stress between Engineering and Selye’s approach. Then it is going to critically evaluate the General AdaptationRead MoreHow Stress And Stress Management1319 Words   |  6 Pagesin which we have studied during the weeks of nine through eleven. I have selected to explore Stress and Stress Management more in depth. In this assignment I will explain what made me want to know more about it. I plan on telling you what you should know about Stress and Stress Management. Lastly, I will discuss how Stress and Stress Management relate to success in my personal and professional life. Stress can be defined as the nonspecific response of the body to any dem and made on it (Lamberton Read MoreStress Management3984 Words   |  16 Pagesthat the incidence of work-related stress increased dramatically in Australian organisations during the 1990s and early 2000s? Should employers be made responsible for dealing with the negative effects of work- related stress on their employees? If so how could they do this? Prepared for: Nick Foster Udam Wickremaratne 10571359 Occupational stress is a major news item, which has captured numerous headlines across the industrialized world and rightly so. Stress is reported to cost employers US$120Read MoreEssay on Stress and Stress Management1494 Words   |  6 Pages Stress and stress management: What is stress and how to manage it ? Stress is defined as a force that tends to strain or deform (b) mental emotional or physical tension, strain or distress-(v) to put emphasis on (c ) to subject to strain or pressure. Stress is a unwanted feeling of emotions and physiological arousal that some experience in certain situations. Stress can mean different things to various people. People have said; â€Å"That stress can causeRead MoreA Short Note On Stress Management And Stress Essay998 Words   |  4 PagesStania Tavil Dr. Diane D. Ashe Psychology 2012 October 15, 2016 Stress Management In everyday life, people have to deal with some good moments and some difficulties. They can be helpful and also destructive. Life Comes down to several characteristic as:/ joy, love, sadness, crying etc. There are many phenomena that appear and seem good and a little weird too sometimes. They can be: physical, moral, social, economic, psychological, natural disaster, or failing to achieve. Everyone wants to be happyRead MoreThe Effects Of Stress And Nutrition On Stress Management1852 Words   |  8 Pages Over the recent decades the emerging importance that nutrition has on stress management in college students along with others has become a controversial topic all across different Universities and Public Institutions. Hence, for years, society has suspected that stress and nutrition are linked and now after so many years, scientific research has found evidence to support this connection. In an article by Fysekidis Kouacou (2015), research suggest to help explain this link and, as more individualsRead MoreStress Management Essay1436 Words   |  6 PagesStress Stress is normal. It happens to everyone, and affects everyone differently. It is a feeling of being overwhelmed for handling things you aren’t used to. Stress is also known as a response or something that changes in the body caused by emotions, social, physical, or economical issues which can cause tension mentally and physically. It can be caused by external or internal situations. What’s known as the â€Å"fight or flight† response, is initiated when an individual becomes stressed. It is theRead More The Management of Stress Essay1447 Words   |  6 Pagesnot the answer I’m looking for. The correct answer is stress. Everyone has stress in his or her life at one point or another. It’s one of many inevitable parts of life. Whether it’s busting out a research paper for Psychology at the last minute, expecting your first child to be born, to making sure you’re up in time to catch the Saturday morning cartoons, it’s clearly evid ent that everyone goes through stress. The real question is, how is stress handled in our society? A person is defined by how theyRead MoreEssay on Stress Management649 Words   |  3 PagesStress Management Responses to stressors present different impacts on each individual. Stressors have a physical and psychological effect on people although some people seem to be much less effected by stress being able to withstand high levels of stress almost as if there daily lives depend on it. Even though it is accepted stress is with us from are waking moment to the minute we sleep, almost all individuals through time suffer physical or psychological illness. IndividualRead MoreStress Management Plan1516 Words   |  7 PagesStress Management Plan When I was gathering resources for my first stress portfolio, one picture left a deep impression. It says: â€Å"there are only two times I feel stress: day and night.† Yes, stress exists along with our whole life; it may seem that there is nothing that we can do about stress. The homework and exams will keep coming, there is endless study and work in the day, and our career and family responsibilities will always be demanding. However, the good news is that stress can be managed

Tension Between The Establishment Clause And The Free...

1. Explain the tension between the establishment clause and the free exercise clause of the First amendment. Support your explanation with at least one example. First we must understand the purpose of each of these clauses of the First Amendment. A common misunderstanding of the Establishment Clause is that it safeguards individual rights. In reality the purpose of the Establishment Clause is to limit the government’s power in respect to legislating on matters that deals with respecting an establishment of religion.. The Free Exercise Clause has only a sole purpose, the safeguarding of individual rights, specifically related to religion. For all practical purposes there is no â€Å"tension† between these two clauses. The Supreme Court has established that both clauses are independent in their purpose and that neither one is more important than the other Conflict is not possible, for each clause in its own way was a negative on powers that might have been implied from the original Constitution. Two negatives cannot conflict. The religious rights of individuals and the ordering of relations between government and religion –while complementary, not contradictory-are altogether different enterprises. There are several historical court cases involving Jehovah s Witnesses and their rights related to the First Amendment and its multiple clauses. In 1943 West Virginia State Board of Education v. Barnette overturned another landmark case, Minersville School District v. GobitisShow MoreRelatedEssay on Religion in Public Schools 1442 Words   |  6 Pagesfact that there are two clauses dealing with religion in the First Amendment (Warnick, 2012). The Establishment Clause, which disallows the establishment by the government of any particular religion, and the Free Exercise Clause, which prohibits the state from proscribing the practice of religion, are a source of conflict and tension. The tension stems from the fact that upholding one clause can occur at the expense of the other, and thus, the state is forced to choose between them (Department of EducationRead MoreHow Faith Influenced The United States Constitution3323 Words   |  14 PagesFathers, and reveals the general connect ion each has to Christianity through the Puritan’s separation from England. The Founding Fathers and the U.S. Constitution are analyzed so that these elements may be investigated as to illustrate parallels between biblical principles and the substance of the document and the faith of America’s founding fathers. The essay then continues to investigate the faith of the founding fathers and their claims of faith, and the presence of religion in the ConstitutionalRead More Amendments to the Constitution Essay1290 Words   |  6 Pageswhirlwind of change in 1789 as people were experiencing freedom from the tyranny of England for the first time in their lives. Our country was being molded and formed into a great nation by the founding fathers. Expectations and rules had to be set to protect the rights of the minorities and majorities. Amendments to the Constitution were written to ensure equality for all in changing times. The First Amendment is one of the most recognized rights in the Bill of Rights. It is a basic right that seemsRead MoreEssay on The Occupy Movement1115 Words   |  5 Pagesgrowing income and wealth inequality in the U.S. between the wealthiest 1% and the rest of the population. The protests in New York City have sparked similar protests and movements around the world. In an opinion piece in the Wall Street Journal, pollster Douglas Schoen wrote that the protesters reflect values that are dangerously out of touch with the broad mass of the American people and have a deep commitment to left-wing policies: opposition to free-market capitalism and support for radical redistributionRead MoreThe Greatest Danger Of American Freedom1210 Words   |  5 Pagesâ€Å"The greatest danger to American freedom is a government that ignores the Constitution.† – Thomas Jefferson. Since the first contact with the Europeans, native peoples in the U.S have been battling with powerful government bodies and have repeatedly lost. Looking back to even before the founding of the Union, native populations have went to war against the progressive, overpowering and belittling nature of the government and have walked away with disease, famine and useless treaties. 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Private Banking

Question: Write a report on thecredit suisse. Answer: Introduction Background of Credit Suisse Credit Suisse Group is one of the Swiss multinational financial services Holding Companies. It is headquartered at Zurich and aims at operating Credit Suisse Group as well as other financial services at the same time (Weygandt, Kimmel and Kieso 2012). This particular bank organized in way of Stock Corporation in four divisions like investment banking, private banking as well as Asset management and Shared services Group. It indulges in providing marketing as well as support in major three divisions. Credit Suisse Group pledges guilt in felony as well as reaches numerous legal settlements in United State Securities and Exchange Commission at the same time (Shim, Siegel and Shim 2012). Asset under Management of Bank of Singapore Credit Suisse asset under management rises to US $ 2.4 trillion in the year 2014. It is strong analysis with 30% growth level in the near future. As far as robust growth is concerned, it derives largely from positive asset flows that arise from Asia growth dynamism for future analysis purpose (Kapil 2011). Credit Suisse looks for growth opportunities in way of structural trends for potential transformation in case of asset management industry in an overall manner. Asia long-term economic aspects underpins by rise of urbanization as well as policy-led reforms and increased financial integration. This particular bank ensures wealth accumulation as well as leads towards great demand for gaining investment solutions. Asia economic development continues for attracting international investors in the most appropriate way. It is essential for check on investors risk return expectations for future evaluation in desired form (Horngren, Harrison and Oliver 2012). Low-yield environment contribut e in increased popularity in case of multi-asset as well as oriented strategies in an effective way. Investors demand is cost-effective in nature as well as diversified portfolios offering portfolios returns. Credit Suisse geographic mixes for increased risks company. It varies appetites in case of capital market activities for raising risks in more than one bank. It takes out attention in funding structure in higher interest for future analysis purpose. It possesses great challenges in relation with Basel III capital deductions at the same time. Credit Suisse expands cross-border transactions for larger exposure. It indulges lower share of loans in case of banking markets for higher risks in Singapore. It lowers exposure in country-related risks in comparison with other Swiss giants in the most appropriate way (Cohen 2012). It reduces volatility as resulted in growth of passive investments as well as smart beta portfolios. Financial technology emerges potential ways for client enha ncement interface as well as investment decisions. It disrupts unleashed new entrants in way of superior business models at the same time (Shim, Siegel and Shim 2012). Operations, focus and geographical presence of Credit Suisse Credit Suisse flourishes as a finance centre as international repute in the servicing in domestic economy in Asia-pacific region (Greene 2012). Banking industry plays a key player in country financial markets segment as well as strongest in the world. Private Banking is considered as specialized banking services that cater towards wealthy individuals as well as families. Private bankers helps clients in manages wealth by providing advices as well as customized services at the same time. It enhances investment profiles as well as financial objectives in the most appropriate way. It dedicates Asian Management Team and offers Credit Suisse with investment advice, lending, insurance as well as wealth structuring and estate trust planning at the same time. It requires active participation for day-to-day management of wealth as well as empowering team of financial specialists for pre-agreed objectives. This service creates individuals for seeking investing minimum of US $2 million (Shim, S iegel and Shim 2012). Global private banking industry Liberation of banking sector- In the year 1999, MAS launched five-year liberalization package in strengthening banking system as well as improving Singapore reputation for international financial centre (Fischer 2011). These measures issuing new category or full banking licenses called Qualifying Full Bank (QFB) licenses to foreign banks. It increases restricted banks as well as gives offshore banks in greater flexibility in Singapore Dollar wholesale business. It sets out ways in improving corporate governance practices for future analysis services. purpose. It takes forty percent foreign shareholding limit in case of local banks for lifting purpose. Liberation began in the year 2001 in case of restricted banks at the time of re-classification in the wholesale banks for improving competitiveness in retail banking. It gives privileges in establishing locations and debt structuring and special account. Qualifying offshore banks requires in prioritizing upgrading in wholesale banking s tatus. It indulges in consolidation of local banks for positive stabilization as well as playing pivotal role in the near future. It requires providing resilience as well as stability in the banking system at the time of financial crisis (Edmonds, McNair and Olds 2013). Market share of Credit Suisse Figure: Market share of Credit Suisse (Source: Shim, Siegel and Shim 2012) Main features of the market Regulatory and compliance framework (Privacy, Secrecy and Discretion) Credit Suisse provides certain legal framework in case of banking supervision in Singapore. In the section 7, ordinance mainly provides principal function in the monetary authority for promotion of general stability as well as effective working of banking system as a whole. It requires seeking establishment of regulatory framework in alignment with international standards (Davies and Crawford 2012). It is advisable for case of Banking Supervision by Basel Committee. The main objective is to desire certain prudential supervisory system. It engages in preservation of general stability as well as effectual operational of bank system at the similar time. It helps in on condition that enough elasticity in case of official institutions in undertaking profitable decisions in an overall manner. Financial features of private banks Credit Suisse is one of the leading global private banks as well as wealth manager in relation with distinctive investment in banking capabilities as a whole. Its main strategy is to build Credit Suisse as core financial strengths. It leads in global wealth manager in specialist investment banking capabilities for strong presence in home market in Switzerland. Credit Suisse undertakes balanced approach in capturing wealth management opportunities in emerging markets in Asia Pacific region. It serves as key developed markets with special emphasis in Switzerland (Brown and Lanier 2012). Privacy of Credit Suisse Credit Suisse commits in maintaining privacy of current as well as former and prospective customer. This company recognizes entrusted personal information as well as protecting responsibilities in safeguarding information. This company collects information from annual reports as well as offers services as offered by Credit Suisse. It records telephone calls in relation with legal as well as regulatory obligations in case of Credit Suisse. Credit rating agency in Moody Investors services for differences in and around Singapore. Credit Suisse provides privacy and secrecy in credit ratings for future analysis purpose. It exhibits tough monetary basics named as healthy asset excellence as well as high-quality assets adequacy level and strong funding for liquidity profile in the majority appropriate way. It results in baseline credit assessments in global forms (Cohen 2011). Secrecy of Credit Suisse Credit Suisse expands cross-border transactions for larger exposure. It indulges lower share of loans in case of banking markets for higher risks. It lowers exposure in country-related risks in comparison with other Swiss giants in the most appropriate way (Cohen 2012). Credit Suisse introduces great challenges in capital adequacy in upcoming years. It faces large deductions in the CETI capital in the investment for Great Eastern in small deductions. Basel III rules are adopted in Singapore banks in case of non-consolidated insurance subsidiaries (Scott 2012). Discretion of Credit Suisse Capital Market Activities- These exhibits low appetite in case of capital market activities. Credit Suisse has higher market share in case of trading gains as well as earnings per share as far as possible (Weygandt, Kimmel and Kieso 2012). Credit Suisse has higher interest rates as well as posses greater positive effect in earnings per share. It owes towards higher share in low-yielding customer deposits in the most appropriate way. It reports bank profiles in dependent of variables financial performance in the insurance arm for Great Eastern Holdings (Shim, Siegel and Shim 2012). It ensures volatility attributes in case of higher rates in positive financial performance of Great Eastern. It mainly ensures life insurance low-risk strategy in association with degree of volatility for future analysis purpose. It indulges in complex accounting rules in case of insurance segments ranging from 5 to 32 per cent in the last quarters (Choudhry 2011). Financial objectives Credit Suisse increases income before taxes in Asia Pacific with 2.1 billion in the upcoming years 2018 Credit Suisse aims at increasing income before taxes in International wealth management with 2.1 billion in the year 2018 Credit Suisse aims at growing income before taxes in case of Swiss Universal Bank with 2.3 billion in the year 2018 Credit Suisse expects reduced absolute cost base from cost savings measures at the same time. It achieves gross cost savings in combination of optimization in making business a profitable one in an effective way. It involves in cost reduction measures in taking growth initiatives in Asia Pacific in case of International wealth management in the most appropriate way (Weygandt, Kimmel and Kieso 2012). Financial Ratios of Credit Suisse Employee turnover rates Annual employee turnover rate is considered as total separations in average number of employees. It is the combination of voluntary as well as involuntary terminations in terms of retirements, resignations and layoffs. Turnover rates mainly affect profitability as well as staff morale for future analysis purpose. It is essential for the company in redesigning human resource planning process for keeping high turnover rates in relation with industry average. P/E ratio Profit Earnings ratio of Credit Suisse in case of share price and per share earnings at the same time. It calculates current stock of Credit Suisse as well as dividing earnings per share. Credit Suisse 2015 2016 2017 2018 P/E ratio 20.42 27.23 8.89 6.38 Figure: P/E ratio of Credit Suisse Source: Cost to income Credit Suisse 2015 2016 2017 2018 Cost to income - 70.3 226.0 92.8 Products and services on offer Credit Suisse offers broad variety of confidential banking as well as prosperity management solution to client in Swiss Universal bank. Structured Advisory Process- Credit Suisse applies structured approach in understanding client needs as well as personal situation and product knowledge. It engages in solving investment objectives as well as comprehensive analysis for viewing at the financial analysis situation for defining individual client risk profiles. It defines client investment strategy in desired form (Needles and Powers 2012). Customer section exact worth proposition- Credit Suisse offers broad variety of prosperity organization solution in providing modified specified customer segments. It indulges in separate value propositions in integrated bank by client offerings. It ensures close collaboration in case of investment banking business in customized innovative solutions to potential clients. It offers complex solutions to the sophisticated clients. Credit Suisse offers wide range of private as well as business prosperity organization needs enhancing series preparation, monetary preparation and tax advisory armed forces in the most appropriate way (Bonham 2013). Comprehensive investment services- Credit Suisse offers comprehensive variety of asset recommendation as well as optional asset organization services. It is based winning outcome in providing structured advisory process as well as guidelines in investment solutions as well as products group in Credit Suisse investment committee (Barrow 2011). Credit Suisse advises in analysis for recommended research as well as investment strategy teams. Investment advisers of Credit Suisse cover wide range of services especially from portfolio in advising individual investment. It offers client portfolio on matters relating to managing investment products in desired form. Multi-shore platform- Credit Suisse engages in global operations comprising of 14 global book center in alignment of operation in Switzerland. It offers clients with booking capabilities in local as well as international level in the desired form. Multi-shore offerings designs innovative ways in serving clients that focuses on geographical risk diversification and multiple domiciles at the same time. It requires seeking global execution services for interested range of products in the near future (Deegan and Unerman 2011). Investment and banking financial solutions- Equity underwriting in capital markets for originating in Initial Public Offering and convertible stock issues. It renders advisory services like Mergers and Acquisitions as well as restructuring and corporate sales in an effective way (Weygandt, Kimmel and Kieso 2012). Rigid profits- Acknowledgment goods offers wide variety of set profits products as well as instrument to potential customers in and crossways asset grades Past in addition to future strategy Credit Suisse has the ambition in positioning as one of the bank of entrepreneurs in banking sector. They aim at providing corporate and institutional clients with financial solutions in the near future. International prosperity organization offer complete recommendation as well as wide range of monetary solution to business as well as private clients in the most appropriate way (Freeman 2011). Benefit organization commerce offers certain asset solution as well as navy in global basis. It is for broad variety of customers including government, foundations as well as corporation and persons in alignment with confidential bank business. Financial capability engage in enhancing towards diversified range of benefit program by focusing on customary as well as substitute strategy at the same time Credit Suisse makes plans in undertaking certain noteworthy transactions in the year 2015 as reflected in diversification of franchisee in and across countries for client base. Strategic Unit crea tes facilitation for immediate right size of business divisions in case of Credit Suisse. It engages in capital perspective as well as include outstanding portfolio in non-strategic unit for transferring supplementary exposure in the industry divisions as a whole. The focus of Strategic Resolution Unit requires proper rapid growth in capital as well as costs for reduced Group performance in the near future (Glautier, Morris and Underdown 2011). Benefit Management Offerings includes customary innovative goods as multi-asset class solutions. It provides clients with innovative strategies as well as comprehensive management in and across asset class in optimization of client portfolios with specialized services at the same time. Credit Suisse offers group of fixed profits as well as fairness and real land money for business solution. It access towards broad diversity of benefit classes in the most commercial ways. It should try in engaging in debt capital market and initiates in underw riting corporate as well as sovereign debt in an overall manner. It indulges in compliance as well as risk culture in way of new strategies for future analysis purpose. Technology-driven innovation disrupts ways for several areas in banking as well as focuses on retail segment for slow graduation of activities in the near future. It ensures attainment of success in business and adherence towards strict compliance programs for future analysis purpose. It requires encouraging mindset of entrepreneurs for attainment of integrating practices in the near future. Innovation in compliance as well as risk management areas is crucial in nature that needs proper attention as far as possible (Scott 2011). Background information Economical, Political and Historical Credit Suisse faces external environmental factors for future analysis purpose. It includes factors like sound economic, political, and environmental factors in way of conducive legal as well as tax policies (Weygandt, Kimmel and Kieso 2012). It leads standing for integrity for severe enforcement in alongside crime. It leads to currency laundering activities as contribute in Singapore rank in form of global Finance Centre. It is the third main in Asia just following Japan as well as Hong Kong. Here are total 117 overseas banks as well as 6 restricted banks that mainly aim at dominating banking scene in the near future. It leads to various factors leading towards attainment of success of banking industry in Bank of Singapore. It includes: It mainly leads to liberalization as per domestic markets It includes local banks strengthening regional presence in form of mergers as well as acquisitions. It leads to expansion of foreign banks and considers as global platform. Increased competiveness helps in growth opportunities of concerned banking industry It indulges in increased competition as spurred in developing innovative products as well as competitive pricing models It indulges in provision for complicated banking services like business as well as asset banking activities It ensures severe banking confidentiality laws, tax-welcoming policy as well as matching set of wealth management. Swiss giants like Credit Suisse as well as UBS AG in expanding private-banking operation within Singapore in catering original insist from Asian as well as Europeans (Kester 2012). It recognizes ways as well as caters wants of diminutive and intermediate enterprise for comprising extensive bank markets within Singapore (Weygandt, Kimmel and Kieso 2012). Conclusion From the above study, it is easy to gather relevant facts regarding Credit Suisse and its financial services to potential clients as a whole. This report is prepared from gathering information from annual report of Credit Suisse. It gives comprehensive management of Credit Suisse corporation structure, corporate governance as well as payment practices and reserves danger frameworks for future analysis purpose. From the reaction addressed from 2015 results, Credit Suisse faces several unfavorable reactions from current market condition as well as financial analysts at the same time. As per the new strategy, Credit Suisse changes predominantly for implementation of actins that is offered by banks in the upcoming years. It is noticed that Credit Suisse as well as reflection of three important elements like cultural and historical heritage tailor strategies. Goodwill impairment charges ways for taking fourth quarter in implementation of new strategies as a whole. It undertakes high compe titive environment for viewing at the unique capabilities in individual client segment at the same time. Credit Suisse is the first bank for introduction of innovation focused think-tank in the year 2012. It focuses on Digital private banking in the year 2013. It continues in rolling ways for client offerings in quality improvement in the most appropriate way. Reference List Barrow, C. (2011).Practical financial management. London: Kogan Page. Bonham, M. (2013).International GAAP 2013. Chichester, West Sussex, England: Wiley. Brown, J. and Lanier, J. (2012).Two private banking partnerships. New York: Arno Press. Choudhry, M. (2011).An introduction to banking. Chichester, U.K.: John Wiley Sons. Cohen, E. 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