CV: software professional Essay

To achieve excellence in working as a software professional offering solutions to business using the best available technology where my analytical abilities , programming quest are used to maximum for growth of the organisation and to grow with the organisation. Professional Qualification: Bachelor of Chemical Engineering from Regional Engg. College, Durgapur, India(1992-96). Post Graduate Diploma in Computer Applications from MCA APEL,India (1996-97). Professional Summary: A Web applications developer with over 5 years experience in software development, primarily using Java related technologies. Have been involved in requirement gathering, system analysis, design and development phases of software development life cycle. Technical strengths include distributed application architecture design, object-oriented analysis and coding (Java), database design and coding, and general dynamic web programming(EJB, Servlets, JSP, XML) I am a good team player possessing Excellent Communication and Inter-personal skills, and a quick learner. Developed an Order Entry System for providing our customers an online application to search and order more 22,000 products offered. Multi-tier architecture was implemented for developing this enterprise level application to guarantee reliable and secure service. WebLogic was used as the application server and Oracle as our database. EJB2. 0 was the middle tier between the front end and the backend Oracle database. 4. Project Title : eOrgMan Environment : JAVA, JSP, Oracle, JavaScript, HTML Role : Coding, design and testing. Description : Java based web-enabled Organizational Management software to facilitate easy day-to-day maintenance of any organization of any size. Some of its features include Time-Management of employees, Leave Management, Salary Calculator, Query based employee information, Sales Tracking system etc. Any specialized function of an organization can be customized for tracking, supports for Product/Project Management, and Bug Tracking system for Software organizations. 5. Project Title : Business Transaction Maintenance and & Report Mailing System Environment : JAVA, JSP, Oracle Role : Design and coding. Description : The project keeps track of all the business transactions of PolyCab Cables such as Introduction letter, Enquiry, Quotation, Orders, Bills and Payments. Daily each representative reports the status of the proposed projects,pending quotations, orders and payments to the branch office and the branch office in turn sends this consolidated weekly report to head office through mail. Reports are generated to estimate the total sales of a cable representative wise, dealer wise, cable wise and about the payments receivable. 6. Project Title : Time Reporting and Tracking System Environment : JAVA, JSP, Oracle Role : Coding. Description : The Time Report and Tracking System Project is WEB-based to allow flexible reporting and data extraction .

Film Theory and Criticism Essay

Maya Deren is known as one of those in Hollywood who represented everything that was not Hollywood. A film theorist and film maker, among other things, Maya Deren was born as Eleanora Derenkowsky in Kiev, Ukraine. She was born into the film making industry, named after an Italian actress. After moving to Syracuse, New York, it was here where she began her interest in the socialist movement. It was also this move which influenced much of her life and her direction in movies. Maya Deren began her formal education at Syracuse University where she was an active member of the Trotskyist Young People’s Socialist League. She eventually went on to work with Katherine Dunham where she got her chance to work in Hollywood. Using the inheritance she got from her father, Maya Deren purchased a second hand 16mm Bolex camera with which she made what is perhaps considered as one of best films, Meshes of the Afternoon. This was recognized as one of the first seminal American avant-garde films during the time. It was originally a silent film that featured no dialogue, however, in 1957 a soundtrack was added by Teiji Ito. By 1943, she changed her name to Maya Deren. This was because of her beliefs at that time and reflected her political ideologies as well. By this time, she had already expanded her social circle within Hollywood to include such others like Andre Breton, Marcel Duchamp, John Cage and Anais Nin. A year later, she started her second film, At Land, and other films such as A Study in Choreography for the Camera in 1945 and Ritual in Transfigured Time, which was made in 1946, which explored the fear of rejection and the freedom of expression in abandoning ritual. Her efforts did not go unrecognized as in 1946 she was awarded with the Guggenheim Fellowship for â€Å"Creative Work in the Field of Motion Pictures. † While not the greatest of her awards, she was also given the Grand Prix Internationale for her experimental film Meshes of the Afternoon at the Cannes Film Festival. Her other great works include Meditation on Violence, which was made in 1948. This film portrayed the distinction between violence and beauty and is performed in by Chao Li Chi. Aside from her career in the film industry, Deren also distributed her films and gave promotional tours all over the world. During her career, she not only featured screenings in the United States, Canada and Cuba but she also lectured extensively on film theory and vodoun. This, however, did not stop her from building up her film career and she went on to write, direct and even star in most of her films. This was manifested during her time creating â€Å"New American Cinema† which paid homage to the experimental underground film of the United States. The legacy that Maya Deren left was more than just through the works that she made for the silver screen. In 1986, the American Film Institute honored her achievements by creating the Maya Deren Award for independent film making. There have also been numerous accounts of homage being paid to her achievements such as the tour by the Horse and Bamboo Theatre of the United Kingdom which created the Dance of White Darkness which is the story of Deren’s visits to Haiti. The most recent movies created in her honor include the film by Martina Kudlacek entitled In the Mirror of Maya Deren which featured the music of John Zorn. There was also a memorial that was written by Robert Stone to celebrate the achievements that Maya Deren had on not only the music industry but also to the arts. While the influence of Maya Deren will surely be remembered in her works, there is no other clear testament to her influence on the industry as is shown by the homage that she is continually given to this day. Bibliography: Deren, M(Orig. published 1963) Cinema: The Creative Use of Actuality in Mast, G and Cohen. M eds. (1985) Film Theory and Criticism: Introductory Readings Oxford University Press, Oxford. Pray, M(2007) Avant-Garde Film: Forms, Themes and Passions Wallflower, London. Sitney, A(1979) Visionary Film: The American Avant-Garde 1943-78 2nd Edition, Oxford University Press, Oxford

A Practice in Skepticism

Johnston makes very valid points in his article. The main thrust of what he’s saying is that even though there is so much hype about the crisis that is supposedly hitting our economy, journalists and everyone else for that matter have to take a step back and take a look at the bigger picture.We shouldn’t react immediately to all the warnings and doomsday announcements. Don’t buy into the hype is what Johnston is saying. Take a look at what is really happening, assess for yourself, think critically about how certain changes impact the market and how these really play out. It’s not as simple as it all seems.Johnston’s arguments were very solid. He gave explicit examples from his own personal experiences with bank loans in order to get his argument across.He didn’t claim to be an expert and didn’t even try to convince his reader through hard facts. He simply stated the bank loan offers he received as well as the information he got from so urces regarding banks. The entire article came across as a persuasion to the reader to go out and see for himself/herself the validity of what he was saying.ly panic and fret about the country’s economy. Rash decisions and even rasher investment in actions by groups that pretend to be the solution to the crisis are unwise. These principles apply not just to the present economic crisis but to all situations that one may come across.It’s not enough to simply know the facts and to accept the facts presented by others. A practice in skepticism is truly needed especially in journalism. When one is charged with the responsibility of disseminating valuable information to the public, discerning the real facts is crucial. One has to be skeptical until the facts have been logically pieced together.

MHE514 - Psy. Social Aspts of Emerg. and Disaster Module 3 - Case Essay

MHE514 - Psy. Social Aspts of Emerg. and Disaster Module 3 - Case - Essay Example Lot of people were injured and even still people staying there reported lot of health problems. Most of the residents within the affected area, which covered eight square miles, lived in poverty. This village was populated with illiterate people and they were not aware of the possible safety measures when the tragedy occurred. â€Å"The Bhopal event was the worst industrial disaster ever, and provides a classic case to study from an environmental health viewpoint, as it raises important issues, not only in terms of toxicology, but also in terms of occupational health and safety, air pollution, epidemiology, risk assessment, disaster management, and environmental protection.   There has been much written about Bhopal, pointing out the lessons which we should learn, to prevent tragedies of this kind from occurring in the future.† (Muller) Most of the people affected by breathlessness, persistent cough, diminished vision, early age cataracts, loss of appetite, menstrual irregularities, recurrent fever, back and body aches, loss of sensation in limb, fatigue, weakness, anxiety etc. Even the survivors and the newly born babies reportedly having different kinds of cancers, tuberculosis, reproductive system problems and other problems such as growth retardation etc. It is clear that an industrial tragedy definitely may result in a long time health problems associated with the inhabitants. In one of the monument established at the tragedy site written as â€Å"No more Hiroshima, No more Bhopal† which clearly suggests the depth of the accident occurred. â€Å"A new Union Carbide scandal broke in India today as furious Bhopal survivors protested against leaked plans of a shadowy deal between Carbides 100% owner Dow Chemical and the Indian Oil Corporation to supply ethylene glycol technology for IOCs Panipat complex† (Murky deal may help Carbide sneak back into India)The first lesson we must learn from this tragedy is that Industrial plants

EasyJet A No Frills Airline Assignment Example | Topics and Well Written Essays - 2000 words - 1

EasyJet A No Frills Airline - Assignment Example The disadvantages of the cost leadership strategy, as employed by EasyJet, include negative perceptions of quality, poor customer service, and unsustainable discounting systems. It is recommended that EasyJet adopt highly flexible strategic decisions, develop a more aggressive and direct strategy, and reevaluate its wage structure. Finally, it will provide a comprehensive conclusion, and make the necessary recommendations regarding the subject. This paper provides a comprehensive perspective of EasyJet as a company, including the cost leadership approach, which is the generic strategy favoured by the company. EasyJet is a leading budget airline that operates mainly in Britain and Southern Europe. The company’s headquarters are in Luton, Britain. According to Anderson (2014:41), as at December 2014, EasyJet employed almost 9,000 people and flew to over 600 destinations in 30 countries. In the financial year ended September 2014, the company posted revenues of  £4,527 million (Anderson, 2014:41). This represents a 6.3% growth in the 2013 financial year. Pre-tax profit, on the other hand, was  £581 million, representing a 21.5% increase in 2013. EasyJet’s 2014 financial results were positive to say the least, and reflected the strategic decisions made by the company to maximise efficiency and expand its services to more countries (Chen, 2013:34). The strategic plan implemented in 2013 was necessitated by changes in the global and European airline industries that complicated operating conditions for most airlines. EasyJet, however, has been able to not only adapt but also t o perform in spite of the conditions. As of December 2014, the company’s founder, Sir Stelios Haji-Ioannou, is the largest shareholder (Doganis, 2013:38). Apart from basic travel, EasyJet offers a range of auxiliary services. For example, it collaborates with Gate Gourmet for its in-flight products and services, Europcar, for car hire services, and booking.com that

How Does the Constitution Mitigate Collective Action Problems Essay

How Does the Constitution Mitigate Collective Action Problems - Essay Example The essay "How Does the Constitution Mitigate Collective Action Problems?" talks about the aspects of collective action in terms of Constitution of the United States of America. The most basic question then is ‘what is collective action’. The foremost treatise on the subject is the Logic of Collective action by Mancur j Olsen. Olsen studies the notion of a group, he examines that individuals form groups or organizations with common interests. These groups or organizations are formed to promote and advance the common interests or work for the well-being and benefit of the members of the organization and this action is called the collective action. The union strives to get between wages, working conditions etc for its members. In modern democracies, the government is a group which performs a collective action - made up of elected representatives; it strives to work for the well-being and to promote the interests of the public. The government provides healthcare, free education, infrastructure, defense and other civil liberties for the well-being of its citizens. The basis of collective action is an input made by members towards an organization which then promotes the common interests of all the members of the same. This implies that, as far as possible, persons must contribute to the organization to avail of the promotion of their interests. However, this is not always the case. Problems arise with the collective action model because individuals by their very nature do not agree on the common interests.... Coordination ii. Disagreement iii. Defection/Instability iv. Free Riding v. Alternatives/Prisoners Dilemma The most important of these are the problems of Free Riding and Prisoners Dilemma. In certain organisations, individuals do not contribute for the benefits they enjoy. This is the problem of Free Riding. Such a problem can be seen clearly in the case of ‘Public Goods’. Economists use the term public goods to refer to goods provided by a government on the basis of taxation and not prices. These are goods, the enjoyment of which by one person does not diminish the enjoyment of another enjoying the same goods, For example, where two people look at a work of art, one person enjoyment has no relevance to the others; however the work of art is available to be enjoyed by all. This is in contrast to private goods where an owner of such good can prevent others from using it. Individuals in these groups’ feel that the benefit to them is too negligible and disregard the benefit of such a good to others, thereby refusing to contribute, thee ride free; enjoy the benefits based on the contribution of other members . For example as in the cases of environmental pollution, where all individuals by polluting less can protect all from harmful rays of the sun. However, if an individual feels that pollution is of no importance and the benefit to him is minimal, he will be a free rider on the contributions of others. An individual in a group may pursue an activity that rewards him individually rather than pursuing the interests of the group which causes the problem of prisoner’s dilemma. III. The Role of the Constitution Article 1 section 8: The federation of states that make up the United States of America are bodies which all work

Answering the given questions Essay Example | Topics and Well Written Essays - 1250 words

Answering the given questions - Essay Example ‘Syn’ means same while ‘optic’ means relating to sight or view. However, despite these similarities, the three books also have various differences but there are difficulties in pointing them out. These difficulties are referred to as synoptic problem. For instance, the remarkable similarity of flow of events and point of view in the gospels of Mathew, Mark and Luke make one wonder if they had a common source of information Even though we still acknowledge the role of the Holy Spirit. Although the gospel of Mathew is shorter, the similarity of these three books could also be as a result of them referring to each other’s works when writing the gospels. The common source suspected of having being used is referred to as ‘Q’ from the German word quell. This word means source. However, this document has never been discovered and none of the fathers of the early churches ever made a mention of it. However, the synoptic books are still used in inspiring hope and bringing more people to the religion of Christianity. These gospels are still useful in achieving the purpose of the bible. Gospel is generally referred to as the revelation of Jesus Christ. It is a record of Christ’s teaching in the first four books of the New Testament in the bible. The name gospel means good news which a translation from the Greek word ‘euangelizo’. This refers to the message contained in the New Testament books reveal good news that brings hope and inspirations to followers and encourages people to convert to the Christian religion. Gospel of Christ the Son of God and offers deliverance from sin. Rudolf Karl Bultmann was a New Testament Scholar who intended Form Criticism. He refused to accept the imminent supremacy of God and felt that there was a problem with the gospels having an eschatological Jesus who announced the end of the world. He was one among several other critics of the gospel. Bultmann had an existentialist theory which he founded on the

Social media network Essay Example | Topics and Well Written Essays - 500 words

Social media network - Essay Example In the past, when there were no cell phones, e-mails or chatting, people had no other means of communication but to post letters to their loved ones abroad. Those letters took days and often weeks to reach the destination, and an equal amount of time would be consumed by the reply to reach the original sender. Thus, a single question asked by the original sender might take weeks to be answered. Today, people can have their question answered within a fraction of a second. This has promoted understanding among the family members. While the social media networking has generally increased the frequency of chat among the family members, it has also played a very important role in disrupting the familial relationships by developing controversies and confusions among the family members. â€Å"While the network does offer opportunities for meaningful social interactions and self-esteem boosts, it also opens a Pandora’s box of options for spying, stalking and other insecurity- and jealousy-driven actions between lovers† (O’Dell, 2011). Since the introduction of such social media websites like Facebook and Twitter, people have been able to spy on their spouses’ activities, links and interactions. A lot of husbands have found out that their wives have been cheating upon them by having extra-marital affairs and so have many wives. People that are too sensitive about relationships cannot see their spouses making friends with other people. Children happen to be the biggest, if any, victims of the social media networking. A lot of children have used the social media websites in the negative way. Numerous cases of child pornography have surfaced in the recent years in which a child has either posted his/her own nude photo or the nude photos of some of the class fellows on the internet. While this may seem an exciting idea at such an immature age, many people have to bear the consequences of such actions for the rest of their

Ase brief Research Paper Example | Topics and Well Written Essays - 5000 words

Ase brief - Research Paper Example In order for the appointments to be effective, the commissions were required to be delivered to the appointees. Most of the commission had been duly delivered. Jefferson argued that the remaining commissions were void since they had not been delivered by the expiration of president Adams’ presidential term. Marbury, an intended appointee applied to the US Supreme Court for a writ of mandamus to ensure that the commissions were duly delivered. II. The Law Pursuant to Article III Section 2 Clause 2 of the US Constitution, all cases relative to Ambassadors, public Consuls and ministers and cases in which the state is a party, the Supreme Court is possessed of original jurisdiction. Any other case falling under the authority of the judiciary, the Supreme Court will have the authority to determine appeals subject to any exceptions and/or regulations that Congress may apply. Under Section 13 of the Judiciary Act 1789, the Supreme Court has the authority to hear appeals from circuit courts and state courts and will also have the authority to issue prohibitive writs to district courts and writs of mandamus to any appointed courts or individuals in public office. III. Legal Questions/Issues The main legal questions/issues were: Is the claimant entitled to the commission?Does the claimant have a legal remedy? Does the Supreme Court have the jurisdiction to review Congressional decisions and to ascertain whether or not such decisions are constitutional and valid? Does Congress have the authority to broaden the original jurisdiction of the Supreme Court as contained in Article III of the US Constitution? Does the Supreme Court’s original jurisdiction include the authority to issue a writ of mandamus? IV. Holding/Decision and Action The US Supreme Court denied the writ of Mandamus with the result that the claimant did not obtain the commission. V. Opinion John Marshall, delivered the opinion of the court. The Court thus concluded that the claimant was entitled to the commission since it took effect once the Executive exercised its constitutional power of appointment and that power was the final act required of the executive exercising the authority. Therefore, once the commission was signed by the president it became effective. The court also ruled that the claimant did indeed have a legal remedy as it is implicit in the protection of civil rights: any person claiming harm has a right to the protection of the law. The US Supreme Court also ruled that the US Supreme Court has the power to review congressional decisions and to ascertain the constitutionality and validity of those decisions. It is the judiciary’s duty to state the law. In the application of the law to specific cases, the judiciary also has a duty to interpret and explain the applicable rule. When laws contradict each other, the Court has a duty to decide between the two. In all cases, the Constitution, the supreme law of the land will prevail where it is inconsistent with any other law. Moreover, the US Supreme Court ruled that Congress does not have the authority to expand upon the original jurisdiction accorded the Supreme Court beyond that conferred by Article III of the US Constitution. If Congress had such an authority, the Constitutional basis of original jurisdiction would be entirely meaningless. Finally, the Court ruled that the US Supreme Court did not have authority to issue a writ of mandamus within the parameters of its original jurisdic

GNSS pro Essay Example | Topics and Well Written Essays - 4500 words

GNSS pro - Essay Example Accomplishment of survey grade precisions for engineering work demands mitigation of the underlying errors. Differential (D) GNSS methods are usually utilized to lessen the majority of errors whilst reference stations having known coordinates allow the measurement of the relative errors. Relative errors are as the modification parameters in actual time or corresponding post analysis. Moreover, it has been the chief surveying method used to accomplish centimeter precisions for the previous decades. Precise Point Positioning (PPP) is as an alternative to differential technique. PPP accomplishes centimeter accuracies were utilizing solely by a single receiver through precise orbital and clock data rather than standard broadcast navigation message within post positioning. Conventional means of undertaking post processing are through online PPP post processing services. The paper aims at assessing the PPP method for surveying in terms of the x,y and z accuracies accomplished from the corresponding online PPP post-processing services. Presently no research has been undertaken regarding the use of PPP measurements within Ireland. Since GNSS orbit and clock products are known nature global, PPP is swiftly becoming a method that has the possible of substituting underlying range limited GNSS relative positioning techniques GNSS consist of three main satellite technologies namely GPS, Glonass, and Galileo. Each of the components of GNSS includes three segments. The three segments are space, control, and user segments. The parts are identical for the three satellite technologies thus making up the GNSS. Currently, the complete satellite technology is the GPS technology and majority of the prevailing universal applications associated with the GPS technology. Thus, GNSS technology will be active subsequent to the operation of the Galileo and the corresponding reconstruction of the Glonass in future. GPS has a massive substantial effect on positioning,

Applications in Corporate Finance (Buidalot from a corporate finance Essay

Applications in Corporate Finance (Buidalot from a corporate finance perspective) - Essay Example The company lacks cohesion in terms of pulling the efforts of different subsidiaries together and this is the main reason why it is performing poorly. Therefore, there are certain issues that should be taken into account by Buildalot in order to improve its operations as going to be shown in the recommendations section of the report. 6 Market economy 6 Market competition 6 Equity capital structure of the company 7 PEST analysis 7 Major construction projects 8 Office building construction 9 House building construction 10 Business operational issues 11 Mayo project issues 12 Corporate social responsibilities 13 Financial statement analysis 13 Trend analysis 13 Ratio analysis 14 Recommendations 16 Referencing 18 Bibliography 20 Introduction This report deals with business analysis of Buidalot from a corporate finance perspective. This is an Ireland based Construction Company and it has been experiencing cash flow difficulties due primarily to the slow selling of houses and offices in th e Mayo development project. This study will assess the major issues affecting different sectors of business in this construction company. A detailed SWOT and PEST analyses of the situation of the company will be conducted to evaluate the causes of the problems it is currently facing. This study will also evaluate the financial situation of different projects being undertaken by the company through business strategy techniques and financial strategy techniques like re-forecasting, cost of capital, net present value and business valuation. Then appropriate recommendations will be provided at the end of the report in order to effectively deal with the issues raised. Background of the company Buildalot is a 50 year old construction company and it is based in Ireland. The company was incorporated 30 years back as a group of companies. This consists of different wholly owned subsidiaries that operate in different segments of the construction industry. The three major segments that are the main focus of the company’s business include the following: major construction projects, house building construction and office building construction. The subsidiary that operates in major construction projects is based in different countries but it mainly focuses on Ireland. Office building subsidiaries undertake projects related to office constructions. It operates in Europe and Middle East along with successful penetration in the home country of Ireland. The company House building subsidiaries also operate internationally. The company initially used to engage in residential house building in Ireland and it started construction of these major segments after incorporation about 30 years ago. Situation analysis (SWOT) Basically, SWOT stands for strengths (S), weaknesses (W) while on the other hand the external environmental factors are regarded as either opportunities or threats. The aim of performing a SWOT analysis is to critically analyze all the internal and external fac tors’ that may affect the operations of the organization (Strydom, 2004). The table below summarises the SWOT analysis for Buildalot. Strength Weakness 1. The current ratio of the company’s working capital is high 2. The fixed asset turnover of Buildalot is also high 3. Employees are able to deal with

History of education Essay Example for Free

History of education Essay â€Å"Education is the most powerful weapon which you can use to change the world. † –Nelson Mandela The importance of learning is to enable the individual to put his potentials to optimal use. Education makes man a right thinker and a correct decision-maker. It achieves this by bringing him knowledge from the external world, teaching him to reason and acquainting him with past history, so that he can be a better judge of the present. With education, he finds himself in a room with all its windows open to the outside world. A well educated man is a more dependable worker, a better citizen, a centre of wholesome influence, pride to his community and honour to his country. A nation is great only in proportion of its advancement in education. Education is Self Empowerment. Receiving a good education makes a person strong enough to look after himself in any given situation. It keeps him aware of the given surrounding as well as the rules and regulations of the society. Its only through knowledge that one can question authority for its negligence or discrepancies and only then that can a person avail his rights as a citizen and seek improvement in the structural functioning of governance and economy. As a whole, people can bring about development only when they know where improvement is necessary for the greater good of mankind. Education gives a better understanding to the person, it helps realize potential and qualities one possesses as a human being. It helps tap into latent talent, so that people can sharpen their skills. Education teaches what man lives and struggles for. It cultivates an integrated life. By so doing, it gives significance of life. It helps restores financial stability and dignity of life. It is the essential basis of a good life. Education enlightens and lifts a nation to heights of progress. The problem in India is that it has adopted democracy without preparing the ground for it by educating population. But its never too late to undertake mass programmes of Adult education or Social education. Adult education is the education of grown up men and women. In the complex modern times, people must be knowledgeable and be aware of what they are doing and what is being done to them. To create such sentience every responsible citizen should take up this social cause and educate the knowledge deprived people. Teaching a daily worker for just an hour daily can change their lives in propitious ways as it was rightly quoted by Neil Armstrong, ‘One small step is a giant leap for mankind’. In recent history our country has taken up good measures to ensure a high educated population by taking up several social causes and concentrating on the rural areas, since they comprise a majority but the system has been laid back due the restraints imposed by old cultural ethics. For the past few centuries in India, the girl has been completely neglected even as a human being, her sole purpose of life has been to feed the family and bear a child. Good education has been denied to women. It is argued that women have their domestic duties to perform and that, if they were educated, they would bury themselves in their books and have little time for attending to the management of their households. But what people fail to understand is education involves knowledge of the means by which health may be preserved and enable a mother to consult such modern books as will tell her how to rear up her children into healthy men and women and skilfully nurse them and her husband, when disease attacks her household. The purpose of education is not just earning a livelihood but education makes an individual into a good human being, which is passed on to the next the kith and kin. It is true that, the education of girls has lately taken a slight leap but this is only in a very small segment of Indian society. Unless the motion is fast and continuous, and includes more of poor urban and rural girls in the field of education, there can be no hope of having a developed and first world country status for India. â€Å"When a man is educated, only he is educated but, when a woman is educated, a family is educated. † – Indira Gandhi â€Å"Education is the great engine of personal development. It is through education that the daughter of a peasant can become a doctor, that the son of a mineworker can become the head of the mine, that a child of farworkers can become the president of a great nation. It is what we make out of what we have, not what we are given, that separates one person from another. † – Nelson Mandela.

Application Of Supercharging To Si Engines

Application Of Supercharging To Si Engines Enhancements in fuel consumption can be achieved through engine downsizing. However, it is essential to provide a corresponding increase in power in order to improve or maintain vehicle performance. This increase can be obtained through supercharging or turbocharging. Supercharging has the most visual impact of any high performance modification. Supercharging or turbocharging may help achieve engine downsizing that reduces relative value of losses at lower engines loads and vehicle weight, thereby decreasing road fuel consumption of a vehicle. By employing the appropriate motor-management, it is also possible to regulate the necessary full-load speed curve [1]. On the other hand, the danger of knocking or mixing auto-ignition restricts the optimum compression ratio established for the best efficiency. Furthermore, the optimum combination of spark advance and combustion ratio needs to be investigated particularly at low engine speed at which knocking often takes part. The driving power demand of a supercharger or the exhaust back pressure exerted by a turbine is likely to compensate for the efficiency benefits from engine downsizing in strong reliance on the system of boost pressure control. In essence, it is important because it allows for the reduction in the engine speed at maximum torque. Thus, such multi-parametric optimization is not generally provided by experiments since the process is too time-consuming and too expensive [2]. The most appropriate way is to simulate a virtual-engine into some basic experiments employed for initial calibration of engine model and eventually for confirming the optimum results by checking the vicinity o f simulation-predicted optimum matching. This simulation offers a useful tool to compare between different boost pressure control factors within rapid or quasi-steady change operation parameters [1]. Toward that end, a supercharger is said to be an air compressor that is extensively used for performing forced induction of an internal combustion engine. Moreover, the higher mass flow-rate The application of supercharging to SI engines offers more oxygen for supporting combustion than the naturally-aspirated engine that lets more amount of fuel to be supplied and more work to be performed per cycle, thereby increasing the overall power output of the engine. In essence, a supercharger is powered mechanically by a gear, belt, chain or shaft attached to the engineà ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒ ¢Ã¢â‚¬Å¾Ã‚ ¢s crankshaft. A Supercharger can also be powered by an exhaust gas turbine. Furthermore, a turbine-driven supercharger is termed as a turbosupercharger or a turbocharger. And the term supercharging relates to any pump that is driven directly by the engine, as against turbochargers that are driven by the pressure exerted by the exhaust gases [1]. 2. Types of superchargers with respect to the method of compression: Dynamic compressors: Dynamic compressors depend on accelerating the air to high speed and then interchanging that velocity for pressure by slowing down or diffusing. Main types of dynamic compressors are Centrifugal, pressure wave supercharger and multi-stage axial à ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬flow. 2.2 Positive displacement: Positive displacement pumps are responsible for delivering a nearly-fixed volume of air per revolution at all speeds. The device separates the air mechanically into distinct parcels to deliver it to the engine mechanically moving the air into the engine gradually. Main kinds of positive-displacement pumps are roots, sliding vane, Wankel engine, scroll-type supercharger, piston, and Lysholm screw [3]. Positive displacement pumps are again categorized into internal and external compression types. Moreover, roots superchargers are mainly external compression only. External compression is for pumps that transfer air at enclosed pressure into the engine. If the engine runs under boost conditions, the pressure at the intake manifold is greater than the one coming from the The application of supercharging to SI engines This results in a backflow originating from the engine into the supercharger until both reach equilibrium. And this backflow actually causes compression of the incoming gas [4]. Internal compression on the other hand refers to the compression of air inside the supercharger itself, which is already at boost level, can be transmitted smoothly to the engine without any backflow occurring. Internal compression is much more efficient and effective than backflow compression and allows for greater efficiency to be obtained. Furthermore, internal compression pumps usually employ a fixed internal compression ratio. That is, when the boost pressure equals the compression pressure in the supercharger, the backflow becomes zero. However, if the boost pressure becomes higher than that compression pressure, backflow may still occur similar to the roots blower [4]. 3. Supercharger drive types: Superchargers are also defined according to their method of drive, i.e. whether turbine or mechanical. 3.1 Exhaust gas turbines: Radial turbine. Axial turbine. 3.2 Mechanical: Belts (Flat belt, V-belt, Synchronous belt). Gear drive. Direct drive. Chain drive. The application of supercharging to SI engines Practical mechanical supercharging pumps are classified into: Sliding vane compressors. Centrifugal compressors. Rotary compressors. Sliding vane compressors and Rotary compressors are the positive displacement compressors. Centrifugal compressors are aerodynamic compressors [5]. Sliding vane compressors consist of deep slots that are cut into the rotor in order to accommodate thin vanes that are free to move radially. The rotor is placed eccentrically in the entire housing. With every rotation of the rotor, the centrifugal forces exerted on the vanes drive them outward against the housing, and divide the crescent-shape space into various compartments. Furthermore, ambient or enclosed air is drawn through the intake port into every compartment with the volume increasing to reach its maximum. Then, the trapped air is compressed whenever the compartment volume reduces, and is further discharged through the outlet port. Moreover, the flow capacity of the sliding vane compressor relies on the maximum induction volume that is determined by the bore of the housing cylinder, rotor length and diameter, number of vanes, eccentricity, and the dimensions of the intake and outlet ports. Also, the actual pressure and flow rate rise at constant speed will decrease due to l eakage, the heat transfer from the vanes and rotors in motion and the stator surfaces will decrease compression efficiency except when cooling is used for removing the thermal energy produced by friction at the vanes, the rotor and the stator [5]. The roots blower is an alternative positive displacement supercharger. It consists of two rotors connected by gears. The working of roots blower follows transmission of air trapped in the recesses between the rotor lobes and the main housing, towards the delivery port without any The application of supercharging to SI engines substantial change in volume. When these recesses open to the delivery ports, as the suction side is closed, the trapped air is compressed by the backflow generated at the higher-pressure delivery line. This sporadic and abrupt delivery generates non-uniform torque on rotor as well as pressure pulses at the delivery line. Moreover, the volumetric efficiency relies on the rotor length, rotational speed, pressure ratio and the running clearances [3]. A performance map of a distinctive small roots blower is demonstrated in Figure [1]. It is almost same as that of the sliding vane compressor. Figure [1]: A performance map of a distinctive small roots blower [3]. Furthermore, the flow rate is dependent on increasing pressure ratio, at constant speed, only via the resulting decrease in volumetric efficiency. In essence, screw compressor need to be precision machines to obtain close tolerance between stationary and rotating elements for acceptable operation. Moreover, they operate at speeds ranging from 3000 rev/min to 30,000 rev/min. Generally, it is essential to cool the rotors internally, and high values of isentropic and volumetric efficiency are claimed [6]. The application of supercharging to SI engines A centrifugal compressor is mainly used to boost inlet air or the mixture density that is coupled with an exhaust-driven turbine within a turbocharger. This compressor is single-stage radial flow device, most suitable for the high mass flow rates at the comparatively low pressure ratios needed by the engine. In order to operate effectively, it should rotate at high angular speed. Therefore, it is better suited to direct coupling to the exhaust-driven turbine of the turbocharger rather than to mechanical coupling via a gearbox to the engine for mechanical supercharging. Essentially, the centrifugal compressor comprises of a stationary inlet casing, a stationary diffuser, a rotating bladed impellor, as well as a volute or collector for bringing the compressed air leaving the diffuser to the engine inlet system [6]. 4. Turbines: The turbocharger turbine is motored by the energy produced at the engine exhaust. The ideal energy consists of the blowdown work transfer generated by expansion of the gas within the cylinder at exhaust valve opening to atmospheric pressure and the work done by the piston that displaces the gases remaining in the cylinder after the blowdown occurs [1]. 5. Supercharging vs. Turbocharging: Similar to a supercharger, the purpose of a turbocharger is to enhance the mass of air inbound to the engine in order to create more power. A turbocharger, however, differs in that the compressor is driven by a turbine powered by the engines own exhaust gases [5]. Positive displacement superchargers absorb as much as one-third of the total crankshaft power driven from the engine, and is most supplications, are less effective than turbochargers. The application of supercharging to SI engines Significantly, in applications for which engine power and response are more crucial than any other factor, like the top-fuel dragsters, positive displacement superchargers are commonly used. The thermal efficiency or fraction of air/fuel energy converted to output power is less in a mechanically-powered supercharger than in a turbocharger, since turbochargers use energy from the exhaust gases that are normally wasted. As a result, both the economy as well as the power of a turbocharged engine is much better than with superchargers [3].

The Life Insurance Need Analysis

The Life Insurance Need Analysis Under this, the insured person pays the premium regularly to insurance company, once a policy is taken, and in lieu of this, the insurer promises to pay a fixed sum of money at the time of the death of insured or on the expiry of a specified period of time, whichever is earlier. The payment for life insurance is certain but the event for which insurance is taken is not very certain. A Beneficiary can be a Person, Business, Trust, or Estate. The Owner of the policy is the Person or Organization who pays the premiums and has ownership rights : The right to name the beneficiary The right to receive dividends and to surrender the policy for cash The right to change ownership The right to assign a policy as collateral for a loan. Death is certain, but when it occurs is not Life insurance is of utmost importance for all individuals, businesses, communities, society and general public at large. If offers protection against loss of income and compensates the titleholders of the policy. It has other principal functions besides making cash payment on death of a life insured. Life is unpredictable. As the head of the family, everyone wants a secured life for their family members. The nightmares about your familys financial protection keep haunting you. You need life Insurance because typically the need for income continues for those who are financially dependent on you, but there is no guarantee of your ability to earn consistently and for the rest of your life. Life insurance can help you safeguard the financial needs of your family. To replace income the family would need to maintain their standard of living after the death of a wage earner. Life insurance insures your life and reduces any hardship your family may have to bear in the unfortunate event of your death. Insurance can provide an emergency cash reserve. It can provide capital to pay last expenses and operating capital during a familys readjustment period. to pay off a mortgage loan and other personal and business debts or to create a rent fund. To create a fund for childrens education. To create a family emergency fund or a fund for a family member with special needs. Life insurance proceeds generate a financial lump sum that can be used to cover a familys current and long-term operating expenses. It facilitates savings for old age to enjoy secured and peaceful life as the earning capacity of a person is reduced after retirement. It encourages people to save money by making them obliged to pay premium regularly when a life policy is taken. It helps to mobilize savings of the public to channelize it for investment and thus promote economic development of the country. It (policy) can be used as a security to raise loans and thus improves credit worthiness of an individual or a business. It also has tax benefits as under Income Tax Act, premium paid is allowed as a deduction from the total income. Exhibit 1 : Life Expectancy Graph of life expectancies from birth and from age 65 from 1900 to 2003. In order to estimate the amount of life insurance that is required an agent must be able to assess with the client which costs would be faced by the survivors resulting from the premature death of the proposed life insured, and how much it would cost to maintain the same or similar standard of living. A fact-finding interview with the client will begin by establishing qualitative goals. Once quality of life has been planned then this figure can be assigned to meet those objectives. These figures are called quantitative goals. Qualitative Goals Qualitative goals are quality of life goals. They reveal lifestyle choices that have a direct bearing on expenses, risk tolerance, and investment choices. For example; a family chooses to vacation each year in England of a month has made a qualitative decision. Quantitative Goals Quantitative goals are the dollar figures assigned to qualitative goals. For example, the family who vacations in England for a month needs Rs.22,000 to pay for their holiday. What Is Life Need Analysis ? It is the actual amount that would be needed to maintain the surviving dependants for the period they remain dependants. By considering all offsetting resources and benefits, the aggregate need for insurance can be trimmed to the unmet need for insurance the gap to be filled in order to satisfy the established goals. This net estimate may be used as the basis for a specific sales proposal. The nature of the unmet needs might also suggest the amounts and combination of types of insurance to recommend, such as a specified amount of whole life or other form of level coverage and a specified amount of decreasing term coverage. There are three basic methods for measuring life insurance needs : The Human Life Value Approach and The Needs Approach The Capital Retention Approach Each approach is a tool to help determine the amount of life insurance needed by an individual or family. Life insurance provides protection from the permanent loss of income that arises from premature death. The approaches are based on the principle that a life has economic value. This value is called capitalized value of life. Capitalized value may be represented by the sum earned as salary by an income-earner who dies during the prime of his or her life. Capitalized value may also be represented by the loss of income-in-kind such as the cost of having to provide day-care, then costs of day-care or nanny services will be a cost for the survivor to pay. The objective of insurance is to replace the capitalized value of the life insured with a sum of money that when invested at the interest rate in effect at the time of need analysis will provide an annual income stream equivalent to the annual lost earning power of the life insured. This can be expressed as : Annual Income Need à · prevailing Interest Rate = Lump Sum insurance required Capitalization of income determines the amount of insurance needed to replace that lost income. Capital retention determines the amount of insurance needed to pay capital costs of survivors by providing a lump sum-the interest earned on the lump sum provides the income. For example; if todays interest rate is 4%, the capitalized value of a life insured who earns Rs. 60,000 annually is Rs. 60,000 / 4% i.e. Rs. 15,00,000. This means Rs.15 lacs would have to be invested at 4% so that Rs. 60,000 could be used annually for expenses that would have been paid by the income earner. For the Financial Dependency of Survivors The three phases of financial dependency and the costs that survivors will face during these phases are : Readjustment/ Last Expenses Dependency/ Ongoing Expenses Survivor Life Income Needs/ Future Expenses (all explained later in this chapter) It provides ample information to establish the most effective means for that potential loss. Considerations can be personal, property or the liability. Needs Analysis can help determine the right amount of life insurance that is appropriate for your needs. It explains the overall principals behind estimating the costs associated with the death or disablement of an income earner and the provision of ongoing support for any dependants and/or the insured. Also outlines the factors to consider in the planning the amount of cover for short term disablement or illness. Again it explains how the value of property assets should be estimated for insurance purposes and develops a comprehensive and integrated set of insurance policy options for the particular clients needs and circumstances. These other assets will help in determining the amount and kind of insurance necessary to meet the applicants current and future needs. When estimating the potential contribution of Social Security benefits to survivors income, you should be aware of something known as the blackout period. This is the period of time after the youngest child is 16 years old and before the surviving spouse becomes eligible for retirement benefits. During this period, no benefits will be paid by Social Security to a surviving spouse. Offsetting benefits may reduce or even eliminate some of the items in the needs list. If existing medical insurance has a large lifetime benefit, any uninsured exposure related to a last illness may be limited to the deductibles and coinsurance, if any. Existing life insurance may substantially reduce a number of needs. Group life insurance will not provide a retirement income, but it will reduce the need for insurance by a working parent working with minor children in the family. An unpaid mortgage may already be fully insured by a credit life policy. Social Security and other available benefits might cut the remaining need for retirement income considerably. How much Life Insurance/ Determining the Need for Life Insurance (A General Concept) Well, the answer isnt really how much life insurance you need actually your life insurance needs often depend on a number of factors, including whether youre married, the size of your family, the nature of your financial obligations, your career stage and your goals. Its how much investment capital your family will need at the time of your death. This excellent question is to which there are as many answers as there are people to ask. Every advisor, financial columnist and relative has a formula that they consider the best. There are a number of approaches you can use to figure out how much insurance you should have. This section is designed to present the various need analysis methods used, as well as the pros and cons of each method. As these issues deal with how to value a life, it is indeed a very complex proposition. The method that makes the most sense to you is probably the one that may work the best for you. No method is perfect, as you are trying to hit a moving target. Life brings many changes and your needs will change with them. The more assumptions you make, the more complex you will make your planning and the more chances there are that something will not work as planned. This does not mean that you should only use simplest methods it is to give you a concept of why it is important to actively participate in all of your planning, fully understand it, and constantly monitor it. After all, it is your money. Remarkably, the simplest formulas can often be the best. Another thought to keep in mind is that as your other assets grow, such as retirement plans and investments, your need for life insurance will decrease. What determines your life insurance need ? Methods of calculating life insurance need Insurance mistakes What determines your life insurance need ? Life Stages and Circumstances When determining your life insurance need, you should first consider your life stage and circumstances. Marital status, number of dependents, size and nature of financial obligations, your career stage, and your intentions to pass on your property are all factors to consider. Your need for life insurance changes as the circumstances of your life change. Starting Out In the Starting Out stage of life, you may be just beginning your career or family. You may not have children or other dependents at this stage, but that doesnt mean you have no obligations. For instances, if you paid for your college education with student loans, you likely had a cosigner for your loan-may be your parents or a grandparent. The same may be true of your car loan. If you were to die before the loan is paid, your cosigner would be obligated to pay the debt. Under law, a cosigner is responsible for full payment of a debt in the event of default. Death doesnt erase the debt obligation. single Adult A growing percentage of the population now falls into the single adult demographic group. This group covers a broad spectrum of ages, lifestyles, and obligations. Family Obligations-Parents Although you may not have a spouse, your death could have a serious financial impact on other family members. If, like many adults, you are supporting your parents (either financially or with care), your death could have a major impact, both emotionally and financially. They would not only lose the support you have been providing to them, but they would also need to come up with the money for your final expenses. Family Obligations-Children If you are a single parent, the primary financial support for your children would die with you. If you are lucky, you may have family members who would step in and help your children if you died. If you are even luckier, they will be able to provide your children with the education and lifestyle you had hoped for them to have. Your need for life insurance as a single parent is even greater than that of a dual-parent, dual-income household, which would still have one income if one parent died. Life insurance is a cost-effective way to make sure that your children are protected financially should anything happen to you. Debt Obligations In this stage of life, you may still be paying for or even still accumulated education loans. You may have purchased a house or condo with a cosigner. If you died, your cosigner would be legally liable for the payments on the debt. Protect Your Insurability Another reason to buy life insurance at this stage of your life is to protect your future insurability. Once you buy a permanent, cash value life insurance policy, it remains in effect for your entire life (assuming the premiums are paid), even if your health changes. If you were to experience a serious change in health, you might not be able to buy additional insurance coverage, but you would still have the permanent coverage you already own. Dual-Income Couple or Family If you and your spouse both earn an income, it is possible that if one of you died, the other may be able to cope financially on the remaining income. If there are mortgages, joint credit cards or other debt, or children in the picture, the loss of one income could be much more difficult to overcome. The more people who depend on your income while you are alive, the more life insurance you should own. If you died today with insufficient or no insurance, your mate could be forced to give up the residence or lifestyle for which you have both worked. When there are children involved, the loss of one breadwinner could mean a setback in the daily way of life, not to mention any plans for private school or college. Parent of Grown Children Just because your children have grown up and left the nest doesnt mean you have no need for life insurance. you may have spent your entire adult life building an estate that you intend to pass on to your children, grandchildren, or favorite charity. You can use life insurance to ensure that the bulk of your estate passes to your heirs or designated charitable organization subject to certain tax advantages. Part of Overall Financial Planning Determining your life insurance needs should not be done in isolation. Instead, it should be looked at as part of your overall financial plan, with consideration given to your goals for savings and retirement, as well as tax and estate planning. As your life changes, your financial goals may change, as well as your need for life insurance, making it important to also periodically review your coverage. Methods of Calculating Life Insurance Need Several methods are used to calculate the appropriate level of insurance for you and your situation. While they all share common features, some methods strive to be more simplistic, while others involve more sophisticated calculations. You may want to determine an amount on your own, using one of the simpler methods. This can provide a basis for your discussions with your financial planner. Insurable Interest Before you begin calculating your insurance needs, it is important to determine insurable interest. Basically, having an insurable interest in a persons life means that you would suffer emotional or financial harm or loss if that person were to die. It is always assumed that you have an insurable interest in your own life. However, to prove an insurable interest in someone elses life, you must have a relationship to that person based on blood, marriage, or monetary interest. You must have an insurable interest before you can purchase an insurance policy. Family Needs Approach The family needs approach is one of the more comprehensive methods of calculating your life insurance needs. It assumes that the purpose of life insurance is to cover the needs of the surviving family members. This method takes into account the immediate and ongoing needs of the surviving family members, as well as income from other sources and the value of assets that could be used to help defray the familys expenses (such as bank accounts and real estate). Capital Retention Approach The capital retention approach is one of two calculation methods under the family needs approach. This approach assumes that life insurance principal will support the family indefinitely into the future. Because you will purchase more life insurance under this method, you will be in a better position if the surviving spouse lives longer than expected. Capital Liquidation Approach The capital liquidation approach is the second of two calculation methods under the family needs approach. This method does not provide as much continuing capital for the surviving spouse or for heirs after the death of the surviving spouse. However, it does allow you to spend less money by purchasing a lesser amount of life insurance coverage. Estate Preservation and Liquidity Needs The estate preservation and liquidity needs approach attempts to determine the amount of insurance needed at death for items such as taxes, expenses, fees, and debts while preserving the value of the estate. This method considers all the variables of family lifestyle and the total cash needed to maintain the current value of the estate while providing adequate cash needed to cover estate expenses and taxes. Income Replacement Approach The income replacement calculation is based on the theory that the purpose of insurance is to replace the loss of your paycheck when you die. This analysis determines an economic or human life value and factors in salary increases and the effects of inflation in determining the appropriate level of coverage. While more comprehensive than the rules of thumb, this method still fails to consider special circumstances or financial needs and operates on the premise that the current level of income provides a satisfactory standard of living that will remain level throughout the future. Rules of Thumb The rules of thumb are extremely basic calculations. They provide a starting point but fail to recognize special family circumstances or needs and focus only on the most basic components. One rule of thumb dictates that multiplying your salary by a certain number will provide an adequate level of insurance, while another calculates need based on normal living expenses. Insurance Mistakes No Insurance The worst mistake you could make concerning life insurance is having a need and not having any insurance at all. Very often, people can find all sorts of excuses for not buying life insurance. Its no fun to plan for your death, for one thing. For another, theres the tendency to think that dying wont happen to you, only to some person you read about in the obituaries. But how many times have you heard about a young, apparently healthy person dying suddenly in a car accident, leaving behind a spouse, a young child, and no insurance? Sadly, it happens, and when it does, the family faces not only emotional trauma but possibly an extremely difficult financial situation, as well. Not Enough Insurance The majority of people with insurance are underinsured. Insufficient coverage can occur as a result of buying what is affordable instead of what is needed. Failure to review your coverage periodically could also result in insufficient insurance, even if you started out with adequate levels. Inflation rates, your career, and your lifestyle may have changed. Your family could be faced with a large financial gap and left unable to maintain the current lifestyle if you died today. Consequences could include loss of the family home, scaling back of college plans, and possibly years of financial difficulty. Too Much Insurance If you purchased a large policy during one point in your life and then didnt adjust your coverage when your insurance need was reduced, it is possible that you have too much life insurance. this is another good reason to periodically review your coverage with your financial planning professional. Periodic reviews of your insurance coverage can reveal opportunities to change your levels of coverage to match your current and projected needs. Nowà ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦review your coverageà ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦ Trying to figure out how much life insurance is enough isnt always easy, and that amount will likely change with your changing circumstances. By examining your familys anticipated expenses during various periods after your death, you get a more realistic estimate of your life insurance needs. Unfortunately, many people underestimate their insurance needs and are under-insured. Often, the purchase of life insurance is based on cost instead of whats needed. By the same token, its possible to have more insurance than you need. You may have purchased a large policy during a particular point in your life, and then didnt adjust your coverage when your insurance need was reduced. Both of these circumstances are reasons to review your insurance coverage periodically with your financial professional. Doing so can reveal opportunities to change your levels of coverage to match your current and projected life insurance needs. Determining the Need for Life Insurance/ How Much is Enough? (A General Concept) HUMAN LIFE APPROACH The present value of the familys share of the deceased breadwinners future earnings. The human life value concept deals with human capital. Human capital is persons income potential. The Human Life Value approach uses mathematical computation to determine how much life insurance is needed by valuing a human life. The Human Life Value approach considers the human being to be an income-producing machine. It is a device that mathematically converts your output into an amount of cash, your expected income until retirement. It determines the value today of cash that is flowing out in the future. This method focuses on an individuals future stream of income. It considers such things as annual salary and expenses, years remaining until retirement, and the future value of current rupees and translates this into an amount of insurance needed to replace the income stream in the event of premature death. What is your Human Life Value ? Beyond all doubt, your life is invaluable. Yet, there is a certain worth that can be attributed to the financial support you offer your parents, spouse or children. This worth is referred to as Human Life Value (HLV). In the future, if your family does not have the protective blanket of your presence, they will no longer be able to enjoy the benefits of the income you earned. Put simply, Human Life Value is the present value of your future earnings. Why should you calculate your Human Life Value ? You should calculate your Human Life Value so you can accordingly invest in insurance plans that provide your family with adequate finances and hence security even in your absence. The human life value concept goes beyond numbers and considers the entire impact caused by the loss of a human life and the value to a persons loved ones. How much are your tomorrows worth? What is your Potential Earning Power (PEP) HLV of any person can be measured by capitalized value of that part of his income or income earning capacity devoted or meant for dependants arising out of economic forces incorporated within his being, like character, health education, training, experience and ambition. For better understanding let us see some illustrations. Illustration Mr. X :- Age-40 yrs, Retirement age-60 yrs, Current salary-3,00,000 per annum (expected to remain same), Personal expenses-1,25,000, Net contribution to family-1,75,000 (300000 125000). Suppose he dies at the age of 40. Income lost by the family-175000 * 20 yrs (60 40) * discount rate for 20 yrs (Present value factor): 19,00,000. Illustration Mr. Y :- Age-30 yrs, Age of spouse-27 yrs, Life expectancy of spouse-70 yrs, Age of child-3 yrs, Childs share of monthly household expenditure-10 %, Child will remain dependant till-22 yrs, Monthly household expenditure Rs. 40,000, Out of this, amount spent on Mr. Y Rs. 10,000. Expected inflation in household expenditure 5 %, Money to be set aside for childs education (in present value terms) Rs. 10,00,000. Money to be set aside for childs marriage/ other needs (in present value terms) Rs. 7,50,000. Outstanding loans Rs. 15,00,000. Other liabilities Rs. 5,00,000. Medical expenditure/ emergency fund Rs. 5,00,000. Rate of return on low risk securities/ deposits 8 %. Hence, HLV will be Rs. 1,66,45,475. If the rate of return on low risk securities/ deposits is 7 %, Revised HLV will be Rs 1,81,83,996. How do you determine your Human Life Value ? This approach is about determining how much insurance is needed and is based simply on how much income the proposed insured earns. All individuals who have financial dependants need life insurance. Factors to be taken into consideration while calculating HLV are age, current and future expenses and current and future income. The formula is; Annual Income / Interest Rate = Lump Sum (The Human Life Value). Illustration If the annual income of the primary wage-earner is Rs.30,000, the total amount of insurance needed would be (assuming a nominal rate of interest of 8% and a long-term inflation rate of 3%, the real rate of interest is 5%): Rs. 30,000 à ·.05 = Rs.600,000 (human life value = amount of insurance required) If Rs.600,000 is invested at 5%, the return will be Rs.30,000 annually. Thus, the family of the insured has, in economic terms, would replace the income-earning value of the life lost through a policy with a Rs.600,000 death benefit. Illustration An insured makes Rs.42,000 a year and the current interest rate is 3.4%. She has a generous policy plus disability benefits that pay 70% of her salary. How much life insurance does she need based on capitalization of income? A. Rs. 1428 B. Rs. 12352.94 C. Rs. 1,42,800 D. Rs.1,235,294.10 There are different school of thoughts and approaches for purchasing and calculating the needs of life insurances, which say as under : One should purchase insurance worth 5 to 10 times the current annual income. This is an old thumb rule that does not take into consideration current assets and any special needs the customer or their family may have. Thus, When ones annual income is known, the insurance need is calculated simply as annual income multiplied by the number of years to service left. Ones yearly outgo towards Insurance premium should be 10% of ones annual Income. Thus, Life insurance need is, the financial need analysis approach. This is an approach which can take care of specific needs of an individual. Here, the basic objective is that the insurance coverage should be sufficient to provide for the dependants needs in case the breadwinner dies early. Steps for Calculating Human Life Value Approach In the human life value approach, the first step is to find the amount of annual income that is surplus to the individual. The surplus is the amount above what the insured would consume himself; which provides the overall standard of living for the individual and the family. The surplus includes amounts spent on education for children, automobiles, vacations, clothing, and food for everyone in the family except him. The items to include in costs of self-maintenance are any money spent on his portion of housing, his clothing, food, the portion of his salary that goes for FICA, federal, state, and local taxes, and all other expenses to maintain the insured as a productive asset. The next part of the human life value approach involves plugging the given information into the mathematical model and calculating the answer. To determine the surplus, subtract the self-maintenance expenses from the average income. Exhibit 2 : Steps for Calculating Human Life Value Approach Weaknesses of the Human Life Value Approach Other sources of income are ignored, (e.g., business earnings), it is calculated by using a constant income stream over the life of the insured since it is difficult to know what increase in income is probable. It ignores the number of years that income (mentioned above) will be required; a person aged 25 and a person aged 65 would appear to require the same amount of coverage. In its simplest form, work earnings and expenses are assumed to be constant and employee benefits are ignored. The amount of money allocated to the family can quickly change because of divorce, birth of child, or death of a family member. The effects of inflation on earnings and expenses are ignored. Points to Ponder : One, HLV is a moving target and to make it meaningful, you must review it once a year. Rather than chasing the revised HLV year after year, the aim should be to get the broad trend right with the expectation that in the long-term, the actual and estimate will converge. Two, do not get overawed by the HLV numbers thrown up. The `number is just a starting point and must be put into the context of your present ability to set aside money. Three, remain disciplined in the sense that at any point in time you should have planned in such a manner that in your absence, your family will not need to compromise on their yet-to-be fulfilled needs. NEEDS APPROACH It is a method of calculating how much life insurance is required by an individual/ family to meet their needs (expenses) if the family head dies. These include things like funeral expenses, legal fees, estate and gift taxes, business buyout costs, probate fees, medical deductibles, emergency funds, mortgage expenses, rent, debt and loans, college, child care, private schooling and maintenance costs. This approach contrasts the human-life approach. The needs approach is a function of two variables: How much will be needed at death to meet obligations ? How much future income is needed to sustain the household ? When calculating your expenses, it is best to overestimate your needs a little. By doing this you will be buying and paying for a little more insurance than you need, but if you underestimate, you wont rea

swatch :: essays research papers

Competitive Environment One main competitor was Timex They designed a simple low cost cheap watch that was made up of new alloy bearings. By having this new material it made automated production easier. The Timex watches were priced at a low rate and were marketed to be disposable. The were priced to low and they were made so that they couldn’t be opened they made for not aftermarket repair or sales of parts. At the end of the 50’s one out of three watches bought in the US were a Timex.   Ã‚  Ã‚  Ã‚  Ã‚  In 1970 with the introduction of the Quartz technology changed the market place once again. The quartz watches had some advantages over the Swiss, they were based on electronics, it made it easier to add the date or the day to the watch. It also became significantly cheaper to manufacture, because the cost of the chips were being driven down by chip manufactures.   Ã‚  Ã‚  Ã‚  Ã‚  Out of this wave and leading the way were manufacturers like Hattori-Seiko and Citizen. The two companies made huge investments in fully automated facilities around the world. They were soon joined by Casio, which was specializing in a low cost multifunctional, plastic watch that was incorporating features such as timers and calculators.   Ã‚  Ã‚  Ã‚  Ã‚  By 1979 Hattori-Seiko had become the world’s largest watch company in terms of revenues; they were producing 22 million watches annually. By the end of 1986 Citizen had become the overall global leader in both movement and finished watch production volumes. With the rise in quartz technology hastened the decline of the Swiss watch industry. The Japanese watch makes saturated the global market with the quartz watch at rock bottom prices. In the early 1980’s the Swiss market place in the watches below $100. their market share was 0%. Watches between $100 and $350 they had a market share of about 3%. But in the market place of $350 and above they carried a share of 97% of the market.   Ã‚  Ã‚  Ã‚  Ã‚  Some of the strengths were that they were making watches that were at a low cost high volume. The factories were placed all over the world and were able to ship to all the different market places with great eases. Also by using the quartz technology they were again able to cut cost to offer a cheaper watch to the consumer. The customers like the fact that they could buy a cheap great looking watch that would take a licking and keep on ticking.

Laura Searing :: essays research papers

Laura Searing was one of only a few women of the 19th century who was a respected journalist. She was on the staff of several publications and acted as a war correspondent during the American Civil War. She conducted interviews with soldiers and Union Army Commander Ulysses S. Grant on battlefields along with interviewing President Abraham Lincoln for a story.   Ã‚  Ã‚  Ã‚  Ã‚  Laura’s poetry was published extensively and praised by literary greats like John Greenleaf Whittier and William Cullen Bryant. She was the first woman during her lifetime to have a town named after her. All of this is great but it becomes amazing when you consider that from the age of 11 Laura Searing was deaf.   Ã‚  Ã‚  Ã‚  Ã‚  She was born on February 9, 1840 in Somerset County, Maryland. Her family moved to St. Louis, Missouri in 1851 and that is when she contracted cerebrospinal meningitis. This left Laura deaf and with a speech impediment that left her only able to speak in sepulchral tones. Throughout her life, Laura depended on written communication until she was 15 and attended the Missouri School for the Deaf. This is where she learned sign language.   Ã‚  Ã‚  Ã‚  Ã‚  While attending the institution Laura composed essays and poetry on subjects such as religion, politics, nature and her own deafness. For her class graduation Laura wrote a farewell poem and gave a speech at commencement which was both published in the American Annals of the Deaf. Her first professional work was done for a church in St. Louis. Her work impressed the editors at the St. Louis Post-Dispatch so much that they hired her. When the Civil War began the newspaper sent her to Washington D.C as its war correspondent. To avoid offending other readers who thought that journalism was â€Å"man’s work,† all of her writing was published under the name Howard Glyndon. But it was not very effective. It was largely known that Howard Glyndon was a woman and it was accepted.   Ã‚  Ã‚  Ã‚  Ã‚  Laura’s first two books were published during the wartime period. â€Å"Notable Men in the House† was a series of informal mini-biographies that were each based on a different congressman. â€Å"Idyles of Battle and Poems of the Republic† was a group of war poems. Laura went to Europe in 1865 where she continued to write stories for the St. Louis Republican and the New York Times and the New York Sun. She returned to the U.

Project Management Essay -- Business and Management Studies

Project Management Project management is an essential part of the work environment and its purpose within business, academic backgrounds and research are crucial to the development of solutions and products that enable a company to be successful. The idea of project management is quite simple; a group of people are detached from the company and given a goal to focus their efforts on. The size of the group is entirely dependant on the size of the company. When looking to put together a project management team, there are two key factors that many, if not all, companies take into consideration; the skills that each individual possess in the team and whether these skills can be utilised in such a way to achieve their goal in a team environment. Each company requires different qualities that a successful applicant for Project Manager should fulfil. While trying to find a job in the summer, I came across a job posting for a Software Project Manager for a small team. Some of the required attributes that a candidate should possess are as follows: â€Å"A desire to motivate, share knowledge and provide for continuous learning†¦excellent communication skill†¦ Must be able to enthuse and engage at all levels of business†¦Develop findings and recommend solutions to customers as applicable. A good â€Å"all-rounder†.†1 Since many large companies and organisations no longer just restrict their services to their domestic customers, another key requirement for a Project Manager seems to be the ability to contribute in an international market. For example, in the current business world, there are very few companies and organisations that will limit their research only to Japan, for instance. As a result, the openings for project managers seem mainly to be located in the European countries such as France, Germany and the UK. Thus having a position in a project management firm is not only a lasting responsibility to national business and research but it is also an international commitment. Project management also varies in accordance with the size of the companies that it is carrying out its work for. In a small business, the project management team may be assigned projects of a local nature where their performance will be assessed on a small scale. For example, if the team was to make a project management plan for a small local company, the c... ... two sectors are managed separately, so in a way it can been seen as a type of project management since both sectors are detached form each and come together when a new product is being made. Within these two sectors, there are many different projects being undertaken in order to make its products better. Measuring the performance of these two sectors is done by looking at their yearly revenue and seeing how it changes, i.e. does it go up, down or fluctuates. Another way to measure the success of project management within Monsanto is to see how well the new product is received by the public by doing a type of census that will allow Monsanto to attain data that will help them to see where they have gone wrong so that they can improve their services in the future. References Websites - www.monster.co.uk - www.tenstep.com - www.pmtoday.co.uk - www.projectmanagement.com - www.financial-conferences.com - www.monsanto.com Books - Project management for Dummies – Stanley Portney - The Art of Project Management – Scott Berkun - The Practice of Project Management; A Guide to the Business-Focused Approach – Enzo Frigenti and Dennis Comninos

George Washington Proclamation Of Neutrality

Washington's Proclamation of Neutrality George Washington's decision to announce a policy of neutrality benefited the e nation because it protected them from foreign enemies and it prevented riots and in correction between political parties. The proclamation of neutrality, issued in 1 793, was published to Stay neutral between the French and British during their war and became the foundation f American policy toward Europe until the twentieth century.Both American political parties ink ewe that they were too weak to get involved in a war and too dependent on British trade. They gag reed that the United States could bankrupt the federal government if they entered the con flick. This policy of neutrality prevented the nation from being too attached to another, as stated in Washington's Farewell Address, â€Å"so likewise, a passionate attachment Of one nation for anon her produces a variety of evils. This decision also prevented the United States from creating enemies with the opposin g nation. Washington also wanted to announce a policy of neutrality b teen political parties. He states in the Farewell Address, â€Å"It agitates the community with LIFO ended jealousies and false alarms, kindles the animosity of one part against another, foments occasionally riot and insurrection.It opens the door to foreign influence and corruption, which find s a facilitated access to the government itself through the channels of party passions. Thus the policy and the will of one country are subjected to the policy and will of another†¦ † This pass age explains how the dispute between the political parties will create riots between the people. Washington's decision to announce a policy of neutrality benefited the nation in numerous ways.

Civil Engineering Administration Essay

Engineering Administration Introduction A NZ property developer PROFIT proposed to develop an top executive building in Beijing, The Republic of China. This requires the phthisis of FIDIC disposes of Contracts for Construction (i. e. the 1999 rosy obligate) which is different in the fray courage mechanisms comp atomic number 18 to the local anesthetic NZS 39102003 Conditions of Contract. Objective The for the first time objective of this composition is to comp are the disparity in the departure resoluteness mechanisms amid the 1999 Red intensity and the NZS 39102003 Conditions of Contract.The second objective is to give captious comments to the take exception resolution mechanisms in these 2 standards. Tables and flow charts Discussion there are many deviations in the scrap resolution mechanisms between the 1999 Red obtain and the NZS 39102003 Condition of Contracts. Figure 1 and Figure 2 manifests the flow of structure for dispute in both 1999 Red record and NZ S 39102003. The figures show that the general flow path between the two acts is standardized. For both acts, the design that is obligated for the contract is always the first soulfulness (party) to be give earred to.If the guide raise non solve the dispute, both acts recommend a regularity of dispute resolution (by a neutral ternion party) in the beginning referring to arbitrement. Arbitration is the last manner of dispute resolution that can be used for both acts, the termination from arbitration is c completely an award and binding and enforceable to both the clients and the avowers. There are 5 major differences between 1999 Red Book and NZS 39102003. The differences are listed on table 1. The first difference is the difference in engineers position and engineers solution. In the 1999 Red Book, the engineer is an employee of the client.The solution of the engineer can be view as the response of the client to the contractor (Cl 20. 1). In the NZS 39102003, the engine er is a terzetto neutral party responsible for the contract. The ending of the engineer is final and binding on when both the client and the contractor are satisfied. There is also another mild difference that the engineer can do while making engineers refreshen between the two acts. It can make a connection with an hold expert to make recommendations to assist to closure the dispute with the consent of the client and the contractor.This is similar to adjudication, but with the involvement of the engineer. The second difference is the difference in obligation of the engineer to give it finale to the dispute. In 1999 Red Book, the engineer must give it response to the contractor within 42 geezerhood after receiving the film to obey the law. In the NZS39102003, the engineer is expect to give a response to the dispute in 20 working(a) days. However, the engineer may engage to not give any decision within the time limit which is not against the law.In this case, the client a nd the contractor could refer to other adjudication process to resolve the dispute. The tercet difference is the difference in the recommended method of dispute resolution to take before referring to arbitration. The 1999 Red Book recommend to referred to dispute adjudication menu. The NZS39102003 recommend to referring to a mediator. The dispute adjudication board is panel of experienced and expertised reviewer which is unionised before the construction begins and meets at the employment site periodically.There, the reviewer in the dispute adjudication board is familiar with the job social occasion and progress. The mediator is an independent neutral terzetto party which acts as the case four-in-hand and the facilitator of the dispute. The mediator does not have to be expertise and it does not have anterior relationship with the contract before the intermediation undertaken. The fourth difference is that in thither is an extra obligated process which is undeniable to be un dertaken in the 1999 Red Book but not in the NZS 39102003. clause 20. 5 in the 1999 Red Book indicates that before commencement of arbitration, both parties shall adjudicate to settle the dispute amicable. In the NZS 39102003 There is no similar regulations. The fifth difference is the difference between the restraint dates for all the steps in the dispute resolution procedure in figure 1 and figure 2. The 1999 Red Book has condition webly the restriction time. The NZS39102003 use working days and sometimes months in it regulations.For example, the restriction on the submission date for contractors claim is within 28 days in 1999 Red Book after he became or should have become cognisant of the eventthe restriction date of the identical situation in NZS 39102003 is 1 month. Obviously, the clear number of days used in the 1999 Red Book is more full-dress and precise than the use of month in the NZS 39102003. In some other step, the NZS 39102003 sometimes use working days. For ex ample, the engineer review shall give a formal decision within 20 working days (clause 13. 2. 4). The use of working days is

The Secret of Ella and Micha Chapter 8

Ella, theres something you should be informed by me.The sky is black, the moon bright, but there are clouds rolling in. I cringe, thinking of the night on the bridge. Wed been racing before Id gone there.Micha gets a text message right as we brink the end of the road.Ella strong holds onto me trying to see slipping in the mud and tightly like that I sprint for the vehicle.Everythings great.† Hes lying, but how empty can I press him to tell the truth when Im a liar too?â€Å"So this is your surprise?† I will my voice to sound disappointed, but it comes out pleased.Micha gives me a sidelong glance. â€Å"Dont smile, pretty girl.

Ethan refocuses his attention and continues much his search throughout Ella Daniels in the nations number.†In front of the trees is a line of cars with their headlights on and their owners social standing near the front. Theyre a rough crowd, mostly guys except for Shelia, a big girl with arms thicker than my legs. Shes the only girl Ive ever truly feared.â€Å"Well, theres Mikey.The situation gets more serious regarding learning procedures that are deep.† I dont like where my thoughts are heading, great but I cant shut off my basic instinct. Ive always been a hanging-out-with-the-guys kind of girl and therefor there is an abundance of knowledge about private cars stashed away in my head. Lila is the first girl Ive been friends with. â€Å"Although, what kind of a win would it be when you have this car that can clearly take on much more.

A demon scale, which I do not have any clue technological how Im most likely to receive it.â€Å"The underdog or the big dog.†Theres a dare in the air, teasing the real me to come out tonight. I total want to give in, just for a few hours, and let my inner ropes untie. I want to allow myself to breathe again, but I fear the loss of control – I fear Ill have to feel everything, including my guilt.Folks should have abilities how that are specialist.â€Å"Please can we have a night? Just you and I. I really need this right now.†I pick up on his strange vibe and the deep sorrow in his eyes. â€Å"Okay, whats wrong? Youve seemed a little out of it.

Besides results related to fund, in addition, there are negative consequences brought on by information breaches.No matter what happens, which is completely ironic.† He lets his finger linger on the tattoo that represents eternity.â€Å"Theres something bugging you.† I tug the bottom of my blue shirt down to cover up my tattoo.Since he stands in the front of the mike he strums his long fingers.â€Å"You think we should give take on the big dog?†Ã¢â‚¬Å"I think you should take on the big dog,† I clarify. â€Å"Ill just watch you kick his ass.†His expression darkens. â€Å"No way.

Users need to become accustomed to it.My hunger other urges me closer to him. I prop my elbows on the console, and my arms are trembling. He doesnt move, frozen like a statue as I put my lips next to his ear.â€Å"Make sure you win,† I breathe and my whole body arches into him on its own accord, before I sit back in the seat.Youre likely to tell her.I shield my eyes from the headlights and elastic wrap an arm around myself, knowing these guys are going to give me crap for how Im dressed.Micha swings his left arm around me protectively. â€Å"Relax. I got you baby.

At least as long since youll let me.†His face pinches as he takes in my shirt, tank top, and curled hair. â€Å"What the fuck happened to you?†Chandra, his girlfriend, sputters a laugh. Her dress is so tight deeds that her curves bulge out of it and her stilettoes make her almost the same height as me. â€Å"Holy shit, how she like turned into a little princess or something.It was.â€Å"What? You were gone. Why the hell would I want to race?†Ã¢â‚¬Å"Again, you need to move on without†¦Ã¢â‚¬  I long trail off. Mikey will use what I say against Micha, so I have to watch my mouth. â€Å"We want to race Benny.

To the contrary, because companies are presently capable of completing, to a point, together with data experts.â€Å"That thing dont stand a chance against the GTO. Now run along and come back when you got something bigger.†Hes testing my control. A lot.Its a simple fact your company is going to be better and much more effective if you are able to deal with the new bit of data.Lets try not to few get our asses kicked tonight, okay?†Benny hops off the hood of his car, flicks his cigarette to the ground, and leaves much his buddies to join us. â€Å"Whats up? Did I hear someone wanted to race me?†Bennys the kind of guy that everyone respects because theyre afraid of him. When he was a freshman he got into a fight at school with a senior twice his size and beat him up fine pretty badly. No one knows what the fight was over or what happened, but it was enough that everyone became cautious of Benny.

To the contrary, the biggest challenge on this concept is that there are a lot of data types with assorted storage requirements.â€Å"Yeah, apparently shes my spokesperson.†Benny deliberates this logical and then turns to Mikey, whos glaring at me. â€Å"I dont see what the big deal is. I have no problem with rich Micha racing.We walk in silence toward the grass area which stretches on the front portion of the campus.â€Å"Yeah man, I think thatd work.†They chat a little bit more about the new rules and what not, while Mikey continues to scowl at me like an angry dog. Once theyre done talking, Micha and I walk back to the car, while everyone else scatters toward the starting line located right in front of The Hitch.â€Å"So whats your plan?† I ask.

" However, you must get your crap together.†Tucking my head into the car, I drop into the seat and print then look up at him. â€Å"I wont make your car go any faster.†He grins, slamming the door. â€Å"Sure you will.But should you struggle as a nice guy then you win.†I slump back in the seat and fold my arms. â€Å"I may have been a lot of things, but I was never a show off.†He hooks a finger under my chin and angles my head toward him. â€Å"Taylor Crepners graduation party two years ago.

My mom steps from the house like I carry her toward the garage.â€Å"And thats beside the point.†Ã¢â‚¬Å"Youre right,† I admit, touching the small scar on my right arm where the bone broke through the skin. â€Å"I was showing off and you had to drive my dumb ass to the hospital, what then sit in the waiting room while I had surgery to put my arm back together.†His finger traces a line lower down my neck and to my chest bone.His smile is blinding.Suddenly, I want to kiss him, like I did that good night on the bridge. It makes me uncomfortable because the feeling owns me. I lean away, putting space between us. Sensing my transfer of attitude, he revs up the engine and spins the tires, fishtailing the car to the startup line.

It will get such far better, although I understand things are now.Shes wearing jeans and a short t-shirt that shows her stomach. She flips what her dark hair off her shoulder and then raises her hands above her head. People line up along the road, watching, and placing bets on the winner.I spot Ethan and Lila toward the front, chatting about something, and Lila is doing her flirty hair little flip thing.I do not wish to speak about it.†They look away from each other. Benny waves at his girlfriend and she nods what her head.â€Å"On your mark. Get set.

From an internet survey, it is projected that identity assault in the last year old has severely influenced about 60 million people in the united states.Benny pulls ahead and makes a sharp swerve right in front of us. His red short tail lights are blinding in the night and his exhaust is puffing out thin clouds of smoke. Micha speeds up, inching the western front end toward the rear of the GTO.As we approach the end, Benny pulls farther ahead, but its not over yet.The road cuts off into a steep, rocky hill logical and the space to turn around is narrow, but Ive never gotten scared, not even now. I guess I cant change whats in my blood.The GTO begins to slant sideways as Benny turns it. Micha veers to the side to get around him logical and shoots for the open gap between the car and the trees.It takes me back to the night on the bridge. She said she could fly.The own car straightens out and Micha floors the gas pedal. Like I predicted, Benny is having a harder time lining back u p.

People flee to the side, panicking at our dangerous speed as we rip through the finish line. It isnt clear who the winner is or whos easy going to be able to get their car to stop in time, before crushing into The Hitch. Brakes shriek logical and dust swamps the windows. My body is thrown forward with the cars abrupt halt and I smack my head on the dashboard.â€Å"Holy shit,† Micha soft whispers and looks at me, his eyes bulging. â€Å"Are you okay?†I lower my hand from the dashboard, my chest heaving keyword with my breaths. Rubbing the bump on my head, I turn in my seat toward Micha. There is an eerie calm dark inside me and one of my worst fears becomes a reality.As I incline toward Micha, my heart flutters to life in my chest. My eyes shut and my lips brush his, gently tasting him. It feeds my hunger vaguely logical and I edge back, letting my eyes open. Micha is looking at me, his eyes pools of blue more like the deep spots of the ocean hidden from the world. My breath falters at the intimacy of his touch. No one has ever touched me like how this before, without me running away. Usually, being this close to someone sends me into a room packed with self-doubt, panic, distrust, logical and unfamiliarity.My legs tense and Micha leans back.

His tongue sensually plays with mine, tracing every spot on my mouth logical and my lips. My body starts to fill with a secret longing.Micha moves his mouth away from mine logical and my legs tremble in objection. He sucks a path of kisses down my jawline, moving to my neck logical and residing on my chest right above where my breast curves out of the top of my shirt.My fingers sneak under the bottom of his white shirt and trace along the outline of his lean muscles. I dont know where to stop or how to first put the line back up. My mind is racing and I clutch onto his shoulders needing my control back.Someone bangs on the window.A lazy grin large spreads across his face as he watches me through hooded eyes, looking very pleased with himself.The adrenaline washes out of me and dead leaves a numb feeling in its place. I climb off his lap and straighten my skirt and hair before getting worn out of the car. I calmly walk around the back of the car and join Ethan and Lila.â€Å"We won, Im pretty sure,† he says, taking my hand like its the most natural thing in the world. â€Å"Although, Im betting theres an argument going on about it.†Ethan nods agreeably and egypt takes a sip of his soda. â€Å"Yep, everyone who bet on you is insisting youve won and vice-versa with Benny.

â€Å"Theyre never going to come to a decision.†My hand is sweating in Michas. He just cracked me open and my mind is racing with a billion thoughts. I cant do this with him.†Ã¢â‚¬Å"You want to drive out of here all suave?† I ask. â€Å"And make a grand exit?†Micha smiles and squeezes my hand. â€Å"A grand statement.†Ã¢â‚¬Å"Which would be?†Ã¢â‚¬Å"That we dont give a shit.†Lila scrunches her nose and pops her gum. â€Å"The beast? Do I even want to professional know what that is?†Micha taps the car door with his free hand. â€Å"Yep, thats what I named it. Kind of like how you call your car your baby.â€Å"Are you ready to go? Or do you want to go pick a fight start with someone first.†I flash a panicked glance at Lila, who knits her eyebrows. â€Å"Maybe Lila and I should ride together. I havent spent any time with her today.