Creative Writing Blue Skies Essay - 1838 Words

I dream I am standing under a roof of blue sky, in a field of mid-day sunshine and yellow sunflowers, surrounded by the scent of wet grass and the music of song birds and buzzing insects. Then, I open my eyes and remember that I am Zach Moreland, 142 years old, and I am never going to die. The ceiling is white, the walls are white and at 0800 every day the nurses roll out of the nursing station to wake the residents. My nurse is one of the older models from the time when they were all equipped with a red flashing light in the upper chest. It is often the only item of color to be seen in the Institute of Life where I live. Jason, my roommate, has a newer model nurse but then Jason is only just 104. In the bathing area I walk†¦show more content†¦There is a predominance of numbness over time when all I can remember from one day to the next is the uninterrupted, silent, odorless, colorless world of the LPA Institute. The machines bend the sounds of their own motors so th at they are silent and the only sounds we are likely to hear are our own voices. At least there is recognition that people need to be around other people so we still can speak to each other. The engineers must have decided people are liars because the robots are programed to ignore what we have to say. Instead, they constantly monitor our vitals so that the slightest uptick in our potassium, the mere speeding up of the pulse, will cause them to hover nearby and try to stabilize our health. I have resided here since I turned 100 but I am not the oldest resident. Once I tried to escape but my vitals revealed my intent, the increased stress signaled the nurse who sedated me by remote control before I could rush the door. When they privatized Social Security it was determined that to maximize care and minimize costs all citizens over the age of 100 would be cared for, in perpetuity, at an Institution. The government pays LPA for each day each resident is alive. The LPA, better k nown as The Company, rarely loses a resident. Only a handful of residents escape by death, and those who do, never told the rest of usShow MoreRelatedCreative Writing: Sky Blue Essay1786 Words   |  8 PagesThe wax is pooling at the bottom, cooling quickly to form a new mold. It completely ruins the aesthetics of the candle. (Just like he completely ruined her life, basically.) Massie falls upon the comforting cement, staring at the starless night sky, the meteors and the comets moving at astronomical speeds, magic that could only come from perfection; tonight, though, they have all been blown out. There is this empty ache, the silence, the never-ending silence, that threatens to destroy every thoughtRead MoreThe Usage Of Proper English895 Words   |  4 Pagestheir careers.† As someone that struggles with language myself due to some learning differences, I find that I am still striving to become a better communicator. My thoughts are more clear in written form than in conversation as the process of writing. Writing slows me down and allows me the time to evaluate the words I have chosen to represent my ideas. When I go back and look at those words I often times go to my thesaurus and find more concise wording to use. Time and the proper use of it is anRead MoreA Good Man Is Hard For Find By Flannery O Connor1655 Words   |  7 Pagesthrough diffe rent experiences. Thus, these experiences affect his or her viewpoint and in turn flaw ones view on a good man. O’Connor conveys this theme through her excellent use of diction, imagery, foreshadowing, and symbolism as well as through a creative use of repetition and an omniscient point of view. The grandmother, the main character of the story, is manipulative. Her definition of a ‘good man’ refers to the characteristics that a ‘good man’ should possess. She believes that the true definitionRead MoreA Good Man Is Hard to Find by Flannery O’Connor Essay1612 Words   |  7 Pagesthrough different experiences. Thus, these experiences affect his or her viewpoint and in turn flaw ones view on a good man. O’Connor conveys this theme through her excellent use of diction, imagery, foreshadowing, and symbolism as well as through a creative use of repetition and an omniscient point of view. The grandmother, the main character of the story, is manipulative. Her definition of a ‘good man’ refers to the characteristics that a ‘good man’ should possess. She believes that the true definitionRead MoreEssay on Art as an Academic Discipline1331 Words   |  6 Pagesproducts more appealing to young children? An artist would use bright colors and bimorphic shapes, like pink and blue teddy bears, or yellow ducks (South University Online, 2014). Art teaches perspective. To look at a work of art is to see into the minds of artists, and know what was happening to them at the time. c. How is a work of art different from something that is artistic or creative? What does artistic mean? It refers to the creation of images or objects in the visual arts, painting, sculptingRead MoreResponse to â€Å"We Should Cherish Our Children’s Freedom to Think† by Kie Ho715 Words   |  3 Pageshis own experiences about his son’s thought and many examples to prove his point. He thinks that public education certainly is not perfect in America, but it is a great deal better than any other country. 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Both academic writer and academic readers have no time to be entertainedRead MoreCompare-Contrast Critical Analysis Essay1064 Words   |  5 PagesEssentially I feel that each poem in its own â€Å"Funeral Blues† (W. H. Auden), â€Å"Death, be not proud† (John Donne), and â€Å"Because I could not stop for Death† (Emily Dickinson) are unique in their own way however, I feel that two poems in particular may show more similarity in each other versus all three being compared at once although, I will be comparing and contrasting all three poems towards the end of this essay. For example, When reading â€Å"Funeral Blues† (W. H. Auden), I felt a greater sense of similarityRead MoreEssay about Themes Of Bob Dylans Music1181 Words   |  5 Pages Bob Dylan was recognized by his poetry and song writing. He usually wrote songs about protesting and religious themes. Although the theme of Bob Dylan’s work is depressing, it is necessary to consider how the events in his life affected his music. Also Bob Dylan had other musicians that influenced him in his early years.Bob Dylan was born in Duluth Minnesota on the date of May 24th 1941. By the time he was ten years old he was writing poems and had taught himself to play guitar. He later changedRead MoreDubois and the Color Line Essay886 Words   |  4 PagesHughes piece The Negro Artist and the Racial Mountain emphasizes the black artist and his creative force. Hughes believes that black artists should stop imitating white artists, as they will never create anything original, and therefore great, in such a fashion. Instead, the black artist should have pride in hims elf and his/her heritage, and that pride and history should be the driving force of their creative spirits. I want to be a poet -- not a Negro poet, was once said to Hughes by a black poet

Is Integrity More Than Being Honest - 1002 Words

When I was a freshman in high school, my friends and I were in the lunch line discussing the math test we just had taken. To my surprise, I saw ten dollars on the floor and I picked it up. My friends wanted to spend the money on French fries. I told them no. My friend Amanda said it was her money, it fell out of her pocket. I did not believe her for one second. Earlier that day I overheard her talking about forgetting her lunch money on the dining room table. I saw Mr. Panchal walking past us. I got his attention and called him over. When he came over I explained that I found this money on the floor and it did not belong to us. He smiled and said thank you. A majority of society would have kept the money and used it for themselves. On the other hand, we have another part of society that would be honest to give the money back or leave it where they found it. Integrity is more than being honest; it demonstrates moral traits, such as performing your own kind of integrity and simply doin g the norm in society. By giving the money to a teacher it displayed truthfulness. If I choose not give the money back, I would have thought about it all day and night. I asked myself what if that was someone’s lunch money and they were not able to eat or that was their money for the bus then they would not have gotten home. I personally would experience a guilty conscious about taking the money. The next day I saw Mr. Panchal, he thanked me for being honest and doing the right thing. SinceShow MoreRelatedIntegrity : Integrity And Integrity1488 Words   |  6 PagesWhat is integrity? This is a very complicated question with a million different ways to answers. Integrity is something that a person can possess. It is something that a structure can possess and it is something that a sport can possess among many other things. 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She ends by saying that lies shouldn’t be accepted anymore or we’ll all get so used to it that it’ll become the social norm, she says â€Å"Our acceptance of lies becomes a cultural cancer that eventually shrouds and reorders reality until moral garbageRead MoreEssay on Integrity1425 Words   |  6 Pagesintegrity Danielle Shingleton Exemplification essay 10/3/10 Integrity We are presented with choices every day. Many are easy to make and cause very little stress, but some choices can be extremely difficult and have significant consequences. The difference between making the right choice or the wrong one is often determined be a persons character, which is based upon the qualities of integrity, responsibility, and honesty. Gaining an understanding of these three character traits and how to buildRead MoreCheating: Academic Dishonesty and Honor Code974 Words   |  4 PagesCheating used to be considered an unmentionable sin. 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Essay on Corporate Governance for Australian Organizations

Executive Summary The main objective of this paper is to explore the major significance of corporate governance in an organization. In order to explain the central idea of corporate governance, a public listed company of Australia has been selected. In this paper, HIH collapse will be discussed along with its corporate governance framework and failure. This report will clearly explain the significance of effective corporate governance in HIH Insurance. Table of Contents Executive Summary. 2 Introduction. 4 Importance of Corporate Governance. 4 Principles of Corporate Governance. 5 Corporate Governance Failure of HIH Insurance. 6 HIH Collapse. 7 Corporate Governance Failure in HIH Insurance Limited. 9 Conclusion and Recommendations. 12 References. 13 Introduction Business risk management includes various activities including corporate governance. Corporate governance basically supports the organization in meeting its objective of maximization of the shareholders wealth. Failure of corporate governance has leaded many organizations towards bankruptcy as well as affected the shareholders and concerned community. Global concern regarding corporate governance is increasing due to collapse of gigantic public listed companies. In 21st century, one of the biggest corporate failures in Australian market is collapse of HIH Insurance Limited. It has been identified that the organization has been over-optimistic in evaluating the assets. In contrast, the liabilities of the organization were extensively underestimated. HIH Insurance was liquidated in 2001 which leaded to substantial loss for the shareholders, policy holders and creditors of the organization. The major reason for the collapse of HIH insurance is the corporate governance of failure in term s of managing the risk of the organization. The entire corporate world can learn a lesson from the incident of HIH and focus on improving the corporate governance. In this paper, severity of the corporate governance is discussed in context of HIH Insurance Limited collapse (Hih.com.au, 2014). Importance of Corporate Governance Corporate governance is a system of an organization which is responsible for directing and controlling the corporate activities of the organization. Corporate governance distributes the responsibilities and authority among different individual, committee or bodies of the organization. It also designates the rules and process for making decision regarding corporate affairs. According to Fama and Jensen, Corporate governance can be described as the control over the entire operations of an organization. In other words, corporate governance is a framework of the principles and systems which guides, manages and controls the operations of an organization. The objective of corporate governance is to provide a mechanism that assists the stakeholders in exerting control over the management and organization so that their interest is catered. Effective corporate governance aims to achieve the corporate objective by enhancing the performance, improving the financial management and maintaining in tegrity of an organization. Over the past few decades corporate governance issues have received extensive attention in the public policy debates. Corporate governance is receiving greater importance as it has significant impact on the economic performance of the organization. An organization having superior quality corporate governance will assist the organization in having easy access to the capital market. The major components of corporate governance in an organization are the Board of Directors, Corporate Governance Committee, Legal framework, Organizational regulations, Business Policy, Ethical codes, Transparency and disclosure, Effective management of risk, Monitoring and Communication. Internal audit is an important tool that helps in carrying out all the corporate governance activities efficiently (Kim and Nofsinger, 2007). Principles of Corporate Governance The concept of corporate governance revolves around some basic principles. Corporate governance principles are discussed below: Every organization must respect the rights of the shareholders and enable the shareholders to exercise their rights. This requires effective communication of information which can be facilitated by motivating the shareholders to take part in the general meetings of the company. Every organization must recognize the obligations to its stakeholders (government, local community, suppliers, investor, society, employee etc) and design its business activities accordingly (Monks and Minow, 2004). The corporate governance board members must have relevant skills and knowledge about the procedure. They must understand and review various challenges regarding corporate governance. Moreover, the boards must be adequate and it has suitable level of independence as well as commitment. It is the responsibility of the organization to develop an appropriate code of conduct for its board of directors as well as executives which will be an aid in promoting the ethical decision making process in the organization. Maintenance of integrity must be basic criteria for appointing the executives and board members for corporate governance. The board of the organization is accountable to the stakeholders for its activities. It is the responsibility of the organization is to disclose and clarify the roe of the corporate governance board and management in maintaining integrity of the organization. Procedure must be adopted which will support the verification of integrity of the financial reports of the organization. All relevant information must be communicated to the investors to have a lucid and transparent idea about the activities of the business (Mallin, 2004). Corporate Governance Failure of HIH Insurance HIH Insurance Limited was one of the largest publicly listed companies in Australia. It used operate in various countries and was the second largest insurance companies of Australia. The organization was founded in 1968 and it acquired some other insurance companies. The organization has expanded and diversified globally. HIH was listed on Australian Stock Exchange (ASX). In 2001, HIH was liquidated as it failed to pay back its debt obligation. The estimated loss was 5.3 billion dollar (Austlii.edu.au, 2014). HIH Collapse The major cause of HIH collapse is failure in corporate governance. If the case is analyzed from the financial perspective it can be observed that the company encountered liquidation position as HIH Insurance was incapable of paying the claims to the policy holders. Moreover, it also failed to meet other debt obligations. The inefficient financial management of the organization has leaded to the poor cash position of HIH Insurance. This allegation against the second largest insurance of Australia is universally accepted. In order to manage the operational activities of an organization, each company needs to maintain enough cash balance. At the beginning and end of each operating cycle the company can maintain required level of cash by generating more revenue and managing it effectively. The cash position of an organization reflects the operating policy, financial policy and business activities of the organization. Moreover, there are some long term non cash transactions which influen ce the cash position of an organization. Hence, in order to identify the reason of collapse emphasis must be given on operational as well as financial activities of the organization. The insurance industry has to deal with enormous risk and every organization has high risk in terms of going concern issue. Risk in insurance industry can be mitigated by adopting appropriate strategies regarding risk pricing, investment decision and provision for outstanding claim. The risk pricing ability of an insurer can be represented by the underwriting performance of the organization. According to the investigation report presented by Royal Commission, in 1997 HIH Insurance Company had incurred underwriting loss of 33.8 million dollar. The net earnings of the company in 1997 were 1233.5 million dollars. Again the underwriting loss was estimated for 1999 and 2000. In 2000, the underwriting loss of HIH Insurance was estimated to be 103.5 million dollar for the net revenue of 1995.4 million dollar. It was observed than within the two years period (from 1997 to 1990), the estimated underwriting loss was doubled with the rise in earnings by 25%. The major reasons behind the incurre d loss are outstanding provision fro claim, recovery of reinsurance and underwriting expenditures. According to the investigation report presented by the Royal Commission, CEO of HIH Insurance Limited did not acknowledge the requirement for prudential margin. Consequently, the company had adopted as well as implemented an under-reserve policy with respect to the expected future claims. If the organization followed the regulatory Australian Prudential Regulation Authority (APRA) for setting the prudential margin, the underwriting performance of HIH Insurance would have decline which would reflect the real situation of the organization. It is frequently observed that a general insurer makes loss on the underwriting in a certain period of time. But, in case of HIH Insurance it is observed that the company is continuously encountering losses on underwriting for successive periods. Hence, it can be concluded that HIH experienced this situation due to continuous deterioration in operational activities (Findlaw.com.au, 2014). One of the most significant activities of an insurance company is managing investment activities. Money collected from the shareholders, policy holders and creditors need be invested in suitable funds so that the return is maximized. Thus the underwriting loss can be recovered by the high return achieved from investment. If the organization fails to manage its investment activities effectively it will generate negative return from investment. HIH Insurance had encountered significant loss in terms of investment. These are the major reasons for collapse of HIH Insurance apart from corporate governance issue. Corporate Governance Failure in HIH Insurance Limited One of the principle reasons for bankruptcy of HIH Insurance Limited is flawed corporate governance practice. According to Agency theory, agency cost can lead to bankruptcy of an organization. Hence, financial theories suggest that equilibrium must be maintained between the debtors and stockholders of the organization. In order to maintain the equilibrium effective corporate governance practice is considered to be an effective tool. In contrast, failure in corporate governance will lead to agency problem which is the major reason for collapse of an organization. In the annual report of HIH Insurance it had established a model for corporate governance which apparently seems to be effective for an organization. The corporate governance model outlined in the annual report of 2000 complies with the guidelines mentioned by Australian Securities Exchange (ASX). In the board level of HIH Insurance there are four major committees. Audit Committee: Audit Committee of HIH Insurance is responsible for considering the significant issues regarding the financial affairs through monitoring compliance of accounting policy, internal audit issues etc. Human Resource Committee: The Human Resource Committee of HIH Insurance was developed for reviewing the remunerations of senior executives, issues regarding the formation of board, issues related to organizational structures, development plans for employees etc. Reinsurance Committee: The responsibility of the reinsurance committee is to review the scope as well as character of the Group reinsurance policies. Investment Committee: The major responsibilities of the investment committee are consideration as well as formulation of Group asset allocation. Moreover, it determines the guidelines of investments and responsible for and reviewing the internal as well as external fund performance. According to the investigation report disclosed by Royal Commission, HIH Insurance had lot of flawed practice in Corporate Governance which leaded to major financial break down of the organization. The identified flaws regarding corporate governance are discussed below: In HIH Insurance management did not allowed the non-executive directors to work independently. There were five non-executive directors and among those two directors were former partner of an accounting firm. HIH Insurance paid them for auditing service as well as non-auditing service. Non-auditing service is the major reason for detracting the independence from the auditors and associated directors. The takeover of FAI is considered to be a major reason of failure of HIH Insurance Limited. HIH had to pay large cost for acquiring FAI. The investment committee failed to evaluate the consequence of this acquisition. The member of investment committee Rodney Stephen Alder is suspected as he could have been paid due diligence. In 2000, in order to insure the directors and executives, an entity used to pay the insurance premiums. It was recorded as liabilities but the amount and nature of the liability as not disclosed by the company. Lack of transparency leaded to corporate governance failure. Due to lack of independence of the directors, they fail to perform their job role effectively. Consequently, the corporate governance practice in HIH Insurance represented some kinked characteristics. Scarcity of clear definition and clarity of the guidelines, policies etc, lack of independence of non-executive directors and it leaded to no critical analysis of the proposals suggested by management. Thus, the corporate governance failed to identify and solve the conflict of interest in HIH Insurance Limited. Excessive dominance of the CEO, Ray Williams leaded to corporate governance failure in the organization. Due to his excellent performance and credibility he had won respect from everybody in the organization. The high ranking of the organization made him overconfident and he did not considered the interest of the shareholders. The board of directors also encouraged him to run the organization depending on the free will of Ray Williams. The existence of a dominant CEO in HIH insurance was a major reason for failure of the corporate governance. The company gradually shifted its focus from the interest of the stakeholders to their own corporate benefits. Corporate governance is an effective model for managing the risk of an organization. In case of an insurance corporation, risk management plays a vital role. The investment committee failed to perform effectively which can be reflected in three massive investment failures. It can be understood that risk management of HIH Insurance organization was not well shaped. According to Justice Neville Owen, directors were not serious while analyzing various strategies. Moreover, the investment decisions and risk were not evaluated properly. Accounting system plays a significant role in corporate governance model. In HIH Insurance Limited, the non-executive directors did not have sufficient access to the relevant information. Thus the activities for fulfilling the corporate governance standard I compromised by the non executive directors. Hence, they have to rely on the accounting system organized by the management of HIH Insurance which incorporates huge risk. As the non executive directors do not have the independent resources for information they fail to meet their responsibilities (Jiangbo, 2005). The above stated reasons are considered as the principle reason for corporate governance failure in HIH Insurance Limited. Conclusion and Recommendations From the above discussions it can be concluded that corporate governance plays a significant role in achieving the organizational goals. The failure in corporate governance had leaded to HIH collapse. Few recommendations can be made for building effective corporate governance model in Australian organizations: Every organization must lay strong foundation for managing organizational activities and oversight. The corporate governance board must be structured in such a way so that it can add value to the organization. The board must consist of more number of independent directors. Organizations must provide all relevant information to the board. Moreover, the procedure adopted for evaluating the performance of corporate governance board. Ethical, rational and responsible decisions must be made. Every corporation must have an organized approach for verifying and safeguarding the integrity of the financial reporting independently. Regular and balanced disclosure of material matters is required by the company. The rights of the shareholders must be respected. Risk management must be effective by recognizing risk properly and with the aid of internal control. The remuneration offered by a company must be fair and reasonable (www.asx.com.au, 2011). References Austlii.edu.au, (2014).Adams, Michael --- "Australian Corporate Governance: Lessons from HIH Insurance" Findlaw.com.au, (2014).The HIH legacy: Corporate governance and shareholder value. Hih.com.au, (2014).HIH Insurance - Home Page. Jiangbo, X. (2005). HIH Insurance Limited: Corporate Governance and Corporate Excesses. Kim, K. and Nofsinger, J. (2007).Corporate governance. 1st ed. Upper Saddle River, N.J.: Pearson/Prentice Hall. Mallin, C. (2004).Corporate governance. 1st ed. Oxford: Oxford University Press. Monks, R. and Minow, N. (2004).Corporate governance. 1st ed. Malden, Mass.: Blackwell Pub.

Jack The Ripper Essay Research Paper Who free essay sample

Jack The Ripper Essay, Research Paper Who Did Jack the Ripper Kill? # 8211 ; Jack Ripper Serial Killer Murder Jack the ripper is the most good known slayings of all clip! No slayer has inspired more people, there is even people who have occupations know as # 8220 ; ripperologists. # 8221 ; One of the grounds Jack inspired so many people is because it was a clip of morality, prosperity and stableness. By cutting pharynxs of victims and sloping the venters unfastened, Jack The Ripper terrorized the adult females of London in 1888. The first killing took topographic point in Whatechaple, a topographic point of hapless, abject, morbid, soiled work forces and adult females. The victim, a 42 twelvemonth old cocotte named Mary Ann Nicholls, was killed on August 31, 1888. The bulls did non cognize that a consecutive slayer was about to interrupt loose! The 2nd offense was merely 1 hebdomad after the first. 47 twelvemonth old Annie Chapman was besides a Hooker. We will write a custom essay sample on Jack The Ripper Essay Research Paper Who or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page By now the constabulary knew that they had a job that was traveling to stir-up some problem with the media. On the dark of September 29,1888 the Ripper struck once more, this clip he showed utmost accomplishment, or fortune, by the killing two cocottes in one dark. Even more extraordinary, one was killed merely a few pess off from a street watcher. He had non even crowd a sund. The victims this dark were losing parts of there internal variety meats. The slaying was so bloody that there was one logical manner that Jack could hold flights such a bloody offense unobserved. Tonss of Ripperoligists believe that Jack the Ripper was a adult female. A female that even with bloodstains wouldn # 8217 ; Ts have rated a 2nd glimpse during the East End terror. She could hold walked anyplace at any clip without pulling suspension because it was merely of course thought Jack was a Man. After that dark the intelligence that there was a killerl that could kill in forepart of a guard without him cog nizing one time once more smitten panic through the streets of London. He sent a missive enveloping organic structure parts of his victims to place himself. The missive was as follows: Beloved Boss, I keep hearing that the constabularies have caught me but they won # 8217 ; t repair me yet. I laughed when they look so cleaver and speak about being on the right path. The gag is about the leather apron gave me existent tantrums. ( This was doubtless a mention to the false hint the Ripper left behind the Chapman killing. ) I am down on prostitutes and I shan # 8217 ; t discontinue rending them until I do acquire buckled. Grand work the Las occupation was. I gave the lady no clip to oink. ( Another mention to Chapman, the slayer was teasing constabulary with his cognition that he murdered the adult female merely a short distance from the embarkation house where 17 people were kiping in room with unfastened Windowss. ) How could they catch me now? I love my work and want to get down once more. You will shortly hear of me with my amusing small games. I saved some of the proper ruddy material ( blood from Chapman who had been d rained of blood ) in a giger beer bottle over the last occupation to compose with but it went thick like gum and I can # 8217 ; t utilize it. Red ink is fit plenty I hope. Haha.. The nex occupation I do I shall nip the ladies ears off and direct them a spot more work and so give it out directly. My knife is crisp and I want to acquire to work right off if I get a opportunity. Good Luck. Yours genuinely, Jack the Ripper After this missive was sent, there were so many constabularies and clandestine investigators working on the instance that they started to collar each other! Six hebdomads had past by befor the ripper struck once more. One the dark of November 10, 1888 was the most Ghastly of all his slayings because this one, unlike others, was non on the streets but in the room of Jeanette Kelly. So Jack had hours to destruct this organic structure. There are many suggestions about who the ripper was. The 1 that made the mostsence to me was that Jack the Ripper was a adult female.