Dirt and Filth

Dirt and Filth Dirt and Filth Dirt and Filth By Maeve Maddox In todays paper I read: Moisture and filth on the video detection cameras lens can cause it not to detect cars I wondered why the speaker hadnt used the more appropriate word for the context: dirt. To me the word filth conveys something nastier than mere dirt, something not likely to make it to the lens of a camera suspended over traffic. For example, a mother means three very different things when she says: This room is messy. This room is dirty. This room is filthy! With messy one pictures scattered clothing, books, and papers, but nothing a quick tidying cant put to rights. With dirty come images of dusty furniture, smeared windows, and perhaps dried mud clumps on the floor. With filthy, however, the mind turns to fossilized half-eaten sandwiches, congealed pools of unrecognizable liquid, mysterious mattress stains, and ignored deposits from the family pet. A look at the etymology of both dirt and filth reveals pretty nasty origins for both. Dirt comes from an Old English word (dritan) meaning to defecate. In Middle English the noun drit meant excrement. The r and the i eventually traded places to form the modern spelling dirt. Linguists trace the word to the Latin word for diarrhea. Filth goes back to the Old English word for foul which was related to the Old High German word for rotten, the Gothic word for stinking, and the Latin word from which pus derives. I still think that what the traffic camera lens had on it was dirt. By the way, that stuff in your garden where the flowers grow isnt dirt. Its soil. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Expressions category, check our popular posts, or choose a related post below:Wether, Weather, Whether"Confused With" and "Confused About"10 Writing Exercises to Tighten Your Writing

A Hidden Ocean Might Exist Under Ganymedes Icy Surface

A Hidden Ocean Might Exist Under Ganymede's Icy Surface When you think about the Jupiter system, you think of a gas giant planet. It has major storms whirling around in the upper atmosphere. Deep inside, its a tiny rocky world surrounded by layers of liquid metallic hydrogen. It also has strong magnetic and gravitational fields that could be obstacles for any kind human exploration. In other words, an alien place.   Jupiter just doesnt seem like the kind of place that would also have tiny water-rich worlds orbiting around it.   Yet, for at least two decades, astronomers have suspected that the tiny moon Europa had subsurface oceans. They also think that  Ganymede has at least one (or more) oceans as well.  Now, they have strong evidence for a deep saline ocean there. If it turns out to be real, this salty subsurface sea could have more than all the water on Earths surface. Discovering Hidden Oceans How do astronomers know about this ocean? The latest findings were made using the Hubble Space Telescope to study Ganymede. It has an icy crust and a rocky core. What lies between that crust and core have intrigued astronomers for a long time. This is the only moon in the entire solar system that is known to have its own magnetic field. Its also the largest moon in the solar system. Ganymede also has an ionosphere, which is lit up by magnetic storms called aurorae. These are mainly detectable in ultraviolet light.   Because aurorae are controlled by the moons magnetic field (plus the action of Jupiters field), astronomers came up with a way to use the motions of the field to look deep inside Ganymede. (Earth also has aurorae, called informally the northern and southern lights).   Ganymede orbits its parent planet embedded in Jupiters magnetic field. As Jupiters magnetic field changes, the Ganymedean aurora also rock back and forth. By watching the rocking motion of the aurorae, astronomers were able to figure out that theres a large amount of salt water beneath the crust of the moon.The saline-rich water suppresses some of the influence that Jupiters magnetic field has on Ganymede, and that is reflected in the motion of the aurorae.   Based on Hubble data and other observations, scientists estimate the ocean is 60 miles (100 kilometers) deep. Thats about ten times deeper than Earths oceans. It lies under an icy crust thats about 85 miles thick (150 kilometers). Beginning in the 1970s, planetary scientists suspected the moon might have a magnetic field, but they didnt have a good way to confirm its existence. They finally got information about it when the  Galileo spacecraft took brief snapshot measurements of  the magnetic field in 20-minute intervals. Its observations were too  brief to distinctly catch the cyclical rocking of the oceans secondary  magnetic field. The new observations could only be  accomplished with a space telescope high above Earths atmosphere, which  blocks most ultraviolet light. The Hubble  Space Telescope Imaging Spectrograph, which is sensitive to ultraviolet light given off by the auroral activity on Ganymede, studied the aurorae in great detail.    Ganymede was discovered in 1610 by astronomer Galileo Galilei. He spotted it in January of that year, along with three other moons: Io, Europa, and Callisto. Ganymede was first imaged up-close by the Voyager 1 spacecraft in 1979, followed by a visit from Voyager 2 later that year.  Since that time, it has been studied by the Galileo and New Horizons missions, as well as Hubble Space Telescope and many ground-based observatories.The search for water on worlds such as Ganymede is part of a larger exploration of worlds in the solar system that could be hospitable to life.   There are now several worlds, besides Earth, that could (or are confirmed) to have water: Europa, Mars, and Enceladus (orbiting Saturn). In addition, the dwarf planet Ceres is thought to have a subsurface ocean.

Waiting for the Barbarians Essay Example | Topics and Well Written Essays - 750 words

Waiting for the Barbarians - Essay Example The book waiting for the Barbarians is one such book written by a linguistic and novelist Coetzee that highlighted some tentative strategies in the question of torture. In the book, he admits torture to be a threatening and a dark fascination on his life. While bringing out the vivid theme of torture in the dark African country, Coetzee faces many dilemmas, for instance, in the dark chamber where his moral judgment is challenged whether to find a middle way between ignoring the obscenities or being part of the obscenities. In as much as torture is necessary in many instances, the question, which the paper attempts to address, is whether torture was necessary while waiting for the Barbarians. The elite unit of colonel Joll and their treatment to the Barbarians is a case in point where torture gets exhibited. He is an administrative officer in charge of running the empire where he get rumors that the natives of the land (Barbarians) are coming back to fight for their land. He is not ha ppy with the idea; therefore, conducts an expedition in the land beyond the frontier. He organizes himself and arrives in one of his government outposts where he is determined to gather information from the local band of uncivilized Barbarians (Coetzee 34). The Barbarians represent an omniscient and present outside threat to the colonel who cannot sit back and wait for the attack. They are seeking to trample security of Colonel Joll and safety of the empire, a factor that does not make the colonel calm and instead uses every means possible to prevent the attack, which is likely to affect the strength of his empire. Instead of using peaceful means, he captures prisoners in a dubious way, which makes him wonder whether there was an army to attack his kingdom. This is because he finds the natives to of similarity to nomadic heathens rather than the barbarian army he suspected. However, he does not stop at this point questioning his intelligence by committing a series of torture on the natives to â€Å"confess† the details and whereabouts of the Barbarians. Although the magistrate is not happy with the way, he handles things he does not intervene or make an attempt of stopping since he understands the barbarian manner. In as much as their confessions and the nature of torture were too much, the truth behind the confessions was only because of torture. This leaves many questions whether the torture was necessary as one prisoner it killed one a prisoner and left another partially black haired woman partially blind (Coetzee 44). The torture of the barbarian girl is another instance where questions arise on the need for torture. She is one of the captives of colonel Joll who gets subjected to punishment with the aim of getting information. The torture vicariously eliminates the validation behind torture as the little girl is left partially blind. Coetzee, for instance, laments, â€Å"the true challenge is how to play the game by the rules of the state, how to establish own authority, how to imagine torture and death on one own terms.† (Coetzee 13) This is a moral question, which makes Coetzee wondering the reasons behind the colonel’s action, where he kills one of the captives, based on his own terms. The magistrate sympathizes with the little girl taking her to his house where he offers her a job as a cook. At a tender age, she receives sexual assault at the magistrate’

Describing a depth experience Essay Example | Topics and Well Written Essays - 1000 words

Describing a depth experience - Essay Example . . 1 For those of who still maintain religious belief in these troubled times, this formulation sounds very familiar. It is far too easy to lose ourselves in the material world and forget that there is something more out there—something that means more than what we can see around us. Accordingly, in this essay, I will try to describe my own experience with â€Å"depth.† When I was around sixteen years old, I was very troubled. I had many doubts about myself and about the world in general. I was confused and somewhat unhappy. I had lots of friends and played many sports, but nevertheless I was sometimes left at a loss as to how to explain the world to myself. Some days everything would just seem to be too much for me, and I would go to a quiet place to be alone and think about things. One spring my family and I took a vacation to the island of Malta. Malta is a small island in the Mediterranean near Sicily. It is only about 300 square kilometres in size but there are many people living there. The island is very historic, with many old churches and a deep and abiding faith in Catholicism. When I first arrived in Malta, I didn’t like it very much. It seemed too cramped and small. Although the weather was sunny and warm, the food was not very good and many of the cars and buildings seemed old and decrepit. So I had gone to Malta with a closed-mind and it was hard for me to appreciate it. One day, when I was walking by myself on a beach, I stopped to buy a soda from an old man who was selling drinks near the water. He must have been in his eighties; the skin on his face looked like battered leather. As I was paying for the soda, the man asked me, â€Å"Tell me, son, why do you look so lonely and lost.† I was a bit taken aback. I told him I was just walking along the beach for fresh air. He said, â€Å"Have you come to Malta on a pilgrimage? Did you know this is a very holy place? Many famous men have come to his island to discover something about themselves.

Education and Society Essay Example for Free

Education and Society Essay Education in the United States has become a crucial part of every Americans life. Completing high school opens doors for individual achievement and is directly linked to economic success. But equally important to the completion of high school is a rich and positive experience in the learning process. Educators are skilled in creating great learning experiences and to enhancing the curriculum, while parents are even more influential. Parents are the positive influence for many children who would otherwise be drastically falling behind, failing, or even dropping out of school. The child’s family background, combined with passed down values and experiences will determine the students high school education. The role of technology in early childhood education is an effective tool for students, so the lack of technology in a child’s upbringing can affect their educational career. For example, students who do not begin using various types of technology from kindergarten can fall behind. Studies found that students who are less likely to access technology at home can be at an academic disadvantage. This shows how vital technology is in a childs education, however there is a challenge in making it available to everyone. Particularly low-income or minority college students could have trouble in succeeding in a technology-saturated environment. Some parents dont parents dont understand the importance of Internet access, since in their generation, the Internet was a luxury, not a necessity. However, the bigger issue seems to be the gap between Whites who have access to the Internet and minorities. Studies found that â€Å"56% of Latino adults and 60% of African American can use the Internet,compared to 71% of White adults. The same organization finds that while 42% of white families and 41% of Latino 2 families 666subscribe to broadband access,only 31% of African American households have such access. Even if lower income schools computer labs students need to build their skills at home as well. Early childhood reading for children can bring a positive outcome to a child’s life. What a child learns in their early years are things that will continue to helps them along in their future in school and in the real world. When a child is introduced to early childhood education, they can get many benefits from it. Benefits include learning to interact in new situations, use critical thinking and basic speech skills before kindergarten. According to Maryanne Wolf, â€Å"In most underprivileged communities, no children’s books were found in homes; in the low come to middle income community there were, on average three books; and in the affluent community there were around 200. † Parents need to create an atmosphere where reading takes place in order to show the importance of reading, but low-income families are falling behind. Parents from affluent communities are able to gain access to understanding the importance of reading while parents from lower income don’t have the resources. Its unclear why low income families dont have as many books in the home, but the issue might be attributed to a poor school library, lack of understanding for the importance of books, or the obvious issue with low financial resources to buy books. Parents from different language background and parents who arent literate in English, will likely raise children who have to play catch-up once they enter kindergarten. Reading can’t just happen over night it needs to be developed over time. If books are limited, discussions and thoughts arent spoken out loud, and this can result in problems. Catherine snow of Harvard and her colleagues found that in addition to literacy materials,one of the major contributors to later reading was simply the amount of time for â€Å"talk around dinner† The 3 importance of simply being talked to, read to, and listened to is what much of early development is about†. In a low-income, busy and hard-working parents may not have time to have these simple talks, or even the financial resources to purchase books for there children. These are two important ingredients for a strong educational upbringing that many low-income family parents can not afford. Even though socioeconomic status and the access to technology are key a family’s behavioral and cultural backgrounds have an equal influence on a student. A child is instinctively drawn toward the background of their parents and social settings to learn what is deemed from right to wrong. According to David Brooks â€Å"Educated parents not only pass down resources to their children, they pass down expectations, habits, knowledge and cognitive abilities. Pretty soon you end up with a hereditary meritocratic class that reinforces itself generation after generation†. What David Brooks is saying is that even though the United States has universal access to higher education such as community college but some students may not be â€Å"physiologically prepared and culturally prepared for college†. Children are reaching their parents expectations and are just continuing a cycle. If parents arent showing their support in a educational and motivational sense, kids won’t feel the need to fulfill higher education. The time to instill values of education is not when a child becomes a senior in high school; rather the time to start discussing educational values to a child, is the onset of school, preschool. Education provides an individual their path to a successful future, but only through hard work, dedication and determination is this achievable. Education requires a parent to mold a child into an individual that is capable of contributing effectively to society. The drive to learn must be aroused in children and started at an early age.

A level :: Design and Technology

A level Objective The challenging task that I have finalised and undertaken for this coursework is to build and test a sensor. I decided to build a sensor, which would automatically change the speed of a fan by using a thermistor. The main objective of the experiment was to monitor and record the voltage change as the temperature changes. Specifically, as predicting that when the temperature increases the voltage would increase and thus the fan speed would increase too, thus causing a cooling effect to the environment. Data Information Thermistors are thermally sensitive resistors and have, according to type, a negative (NTC), or positive (PTC) resistance/temperature coefficient. A thermistor is a type of resistor whose resistance changes significantly when its temperature changes. A negative temperature coefficient thermistor has a resistance that decreases with increase of temperature. This is the most common type. This is the type of resistor that I shall be evaluating and will be using in my experiment. A positive temperature coefficient thermistor has a resistance that increases with increase of temperature. The resistance of a semiconductor generally decreases with increase of temperature. Semiconductors are therefore used to manufacture NTC thermistors. When the temperature of a semiconductor is increased, the number of charge carriers increases as more valence electrons gain sufficient energy to break free from atoms to become conduction electrons. The number of charge carriers increases as the temperature is increased so the resistance of the semiconductor falls. Semiconductors are used to make a wide range of electronic devices including electronic chips, light emitting diodes and solid-state lasers. Communications, commerce and entertainment have been revolutionised as a result of semiconductor devices. In electrical terms, materials are classed as either conductors or insulators or semiconductors. Semiconductors are solid materials with conductivities in between the very high conductivity of metals and the very low conductivities of insulators. There are a variety of types of semiconductor, including metal oxides as well as elements like silicon and germanium. In insulators, essentially all the electrons are tightly bound to atoms or ions, and none are free to move under an external electric field. In effect, these materials do not conduct electricity at all. In metallic conductors, essentially all the atoms are ionised, providing free electrons, which move freely through the ions and can move under an external electric field. These conduction electrons 'glue' the ions together, and provide non-directional bonding which holds the material together. They become shared amongst all the atoms in the material instead of remaining attached to one atom. Semiconductors differ from both insulators and metallic conductors. Only a small proportion of atoms are ionised, so that although there are conduction electrons they are relatively small in number and the

Ap World Essay: Compare and Contrast

1 – The ancient civilizations of our past are full of mystery and information. Even though some civilizations were miles apart and in different time periods they created some things that were very similar. The Book of the Dead from Egypt is quite similar to the Code of Hammurabi which is from Babylon. Yet the Code of Hammurabi is also similar to the Ten Commandments which is from Israel but at the same time is similar to an Egyptian student guideline. Though these four things are very different from one another they are also quite similar as well. – The Book of the Dead originated from Egypt. It was a testimony in which Judgment was based on. The testimony basically explains righteousness and purity; that the individual has done nothing wrong or impure. It is the point of when Osiris makes a judgment on whether the soul should live in a heaven like place or something similar to the underworld. This is like if you do something bad when you lived you’ll pay for it in your afterlife; which is very similar to how the Code of Hammurabi is based. 3- The Code of Hammurabi originates from Babylon.It is how people were to behave. Very similar to the phrase,†An eye for an eye, a hand for a hand. † In some cases the quote is taken very literal such as â€Å"195. If a son has struck his father, they shall cut off his hand. † This was the law. 4- The Ten Commandments originated from Israel. They were very similar to laws, except these were created by the God of their religion. Though they are connected to the Code of Hammurabi by law they are also connected to the Book of the Dead. This is because in the Ten Commandments it says â€Å"13- You shall not kill. 4- You shall not commit adultery. 15- You shall not steal. 16†¦. † This in which is similar to the Book of the Dead for it promotes purity and righteousness. 5- The Guidelines for Egyptian students originates from Egypt! The guidelines emphasize to always work hard and to not be lazy. It is the expectations of the students. Even though it was written by fathers to their sons it seems like an enforced rule. The passage basically says Focus on your studies to aim to become a scribe. Since scribes have the most power, â€Å"But the scribe, he directs every work that is in the land! Though this passage seems quite different from the other passages there are some similarities. The expectations of the students â€Å"duty† is similar to the Ten Commandments for the rules are what is expected of them. 6- Even though time barriers and physical barriers separated the Book of the Dead, the Code of Hammurabi, the Ten Commandments, and the Guidelines for Egyptian students they still managed to have many similarities. Some of them were connected by laws, expectations, religions, and/or dedication. Though they are different topics the concepts were all similar.

Our identity is constantly changing Essay

Our identity is constantly changing; we never truly know who we are. In many movies and books we often see the line â€Å"I need to go and find who I really am.† In our society, we understand and relate to the ambition of finding oneself. We also recognize that it is not suggesting that we have misplaced our body or left it behind but that we need to realize our true identity and learn who we are. Identity is defined as the combination of personal, social and cultural experiences that combine to form an individual’s identity. Our identity is determined by what others think of us and the qualities we have. As we grow older we discover new things and how we identify ourselves. Everyone wears a mask of what they think society wants them to be and we need to be able to rip that faà §ade off and show the world of our true identities. Our identity is never still and it never will be, even after we pass away. It is the result of continuous interaction with our surroundings. P eople in our lives such as friends, family, teachers, idols and classmates affect the way we identify ourselves. They are a big factor in building up our identity. In many cases, some people’s identity has been shaken due to poor body image and physical appearance and this has contributed significantly to one’s identity. Events in the past that we have gone through can also have an impact on our identity and how we view it. Death is witnessed all around the world every day. People die due to sickness, war, old age, suicide, fights gone wrong, accidents, and many more ways. If someone close to a person died, it may change the person’s personality and identity entirely. When we learn and understand about our background history and culture. This can sometimes be the wakeup call for people who are lost and are finding out who they truly are. For example; you find out that your grandparent fought in a war to protect his/her country. You feel a sense of pride and are obliged to help your country by joining the navy or army. All individuals make the development from child to teenager to adult. During this growth, our identity is always in movement as we attempt to discover ourselves. As a child, we are moulded by our parent’s beliefs and values. The way we are brought up is crucial to identity development at a young age as we are very strongly influenced by the personalities of those around us. We are encouraged to be like what our parents are like. We aspire to be like them in every way possible. At a young age, toddlers often copy their  parents and follow their actions. Whether it is actions, words or even music, we always copy them and aspire to be like adults around us as we grow up. However, once people reach their teenage years, many people forge their own identity and clash with their parent’s teachings and rebel against them. This is when many teenagers realise that they don’t want to do what their parents want them to do. Usually this is caused by developing any relationship with someone and they change a person’s belief and thoughts introducing them to a new perspective of things. â€Å"True identity is something people must create for themselves by making choices that are significant and that require a courageous commitment in the face of challenges.†- Thomas Merton. This quote shows us that our identity is not something that we are born with and that it can’t change at all, but in fact, our identity is something that changes every minute, after every decision and after every idea we have. In a book called â€Å"Halo† by Zizou Corder, the main character goes on a journey to find herself and throughout the novel; we see her changing into a young woman instead of this child who is innocent and sheltered from evil. We also see that her identity changes as she sees life in a different perspective when she is taken from her family three times, we see her grow into a doctor and find love. She says the line â€Å"until you know who you are, you’re no one† this line shows us that we need to find out who we are. We can go on a long journey and we will still come back home. We never stop moving and always are changing our identity. Our identity is always and constantly changing due to the fact that we never stop learning new things, meeting new people and are always moving. Although many people get confused with the pathway of their identity, they usually find the right way and keep moving forward. People always find who they are and wake up from their rebellious years and find the right path for their future. Our identity always changes in response to life experiences. Everyone wears a mask of what they think society wants them to be and we need to be able to rip that faà §ade off and show the world who we truly are.

Extreme Working Conditions Essays

Extreme Working Conditions Essays Extreme Working Conditions Essay Extreme Working Conditions Essay In order to answer to these severe challenges majority of the organizations are forced to cut costs In order to boost their performance; yet instead of seriously examining the options, they are primarily doing it through downsizing (Denis and Shame, 2005; Guthrie and Data, 2008). Therefore, even though human resources are widely recognized as the most Important value-add asset and the critical resource for overcoming the crisis, they are usually In the first line to be cut when crisis knocks on the door. Despite the fact that lay-off have become the fact of organizational life over the sat few decades, the great recession has made the rate of lay-offs take extreme proportions and made the unemployment rate an Issue number one worldwide (Data et al, 2010). It can be argued that the excessive downsizing approach is not the appropriate way of absorbing the shock of crisis, since it is bound to have serious repercussions on working conditions and behavior of the employees who stayed in the organization- the survivors (Icemaker-Mueller and Lila, 2006). For Instance, according to Matures and Figurers (2010) the survivors are most Likely to suffer from read Job insecurity long after the critical events took place. Adding to its importance, the Job insecurity is widely recognized as an extreme work-related stresses and therefore affects the attitudes and behavior of employees. More often than not the stress and pressure are the cause of workplace bullying which includes physical, verbal or psychological Intimidation (Bartlett et al, 2011). Bullying may include various types of behavior such us: yelling, gossiping, false accusations. Personal Jokes, threatening etc. And all of them undoubtedly have active impact on employees health and well being (D]uric et al. , 2005; Aggrieved, 2007; Bailing et al. , 2009). Some of the consequences of these behaviors are additional stress, chronic diseases, cardiovascular diseases, and various types of psychological issues (depression, PETS and even suicidal thoughts) (Johnson, 2009; pace and smith, 2009; Wildfire, 2009). According to Removal (2009), besides higher Job insecurity and stress, downsizing caused by crisis can also lead to .. Less teamwork, heavier workloads and sense of being less valued (p. 24). Likewise, both Moral (2009) and Mullah (2008) agreed upon the fact that employee reduction is rarely followed by decrease in workload and 1 OFF working noirs; as a matter AT Tact, ten workload Ana work noirs usually Increases since fewer people have to perform the same amount of tasks. Moreover, this fact has been confirmed by both French and European survey of working conditions, although they were conducted long before the great economic crisis of 2008 (Cartoon Global, 2002; Bastard et al. , 2003). As a result, pressure and stress put on the rest of the employees are increasing further and reversely affect their emotional and hysterical state negatively. Interestingly enough, even before the great recession, downsizing, long working hours and great work intensity have been identified as huge problems for majority of employees (White el al, 2004; Webb, 2004). Therefore, it can rightly be argued that these working conditions got worse or even extreme after the economic crisis occurred. Although the literature is scarce concerning this issue, some evidence that can support this fact do exist. Namely, according to a study conducted in a banking sector of Pakistan, employees who worked both before and after the crisis have ported that the recession influenced their workload, motivation, Job security and levels of stress in a negative way (Cabal and Meir, 2011). Furthermore, according to WAS Report (2010), almost 40% of the respondents have confirmed that the great recession has extremely worsened the working conditions in their organizations. Finally, the study conducted in the UK with over 2000 participants (employees) has displayed more specific changes in the working environment. For instance, 50% of respondents reported feeling more anxious than before the crisis, 38% have felt the increase in Job insecurity and 20% have reported being sick due to increased stress at work (Unloaded, 2009). Still, the question of whether all of these changes (extreme downsizing, higher Job insecurity, extreme work-related stress, bullying etc) in organizations have made the working conditions reach the extreme point or not is not yet supported by clear evidence and literature. On the one hand, the very fact that these working conditions are severely affecting employees health and quality of life can most certainly be considered as extreme (Bartlett, 2011).

Flood Insurance Myths and Facts

Flood Insurance Myths and Facts People who live on top of the hill dont need flood insurance. Not true, according to the Federal Emergency Management Agency (FEMA), and just one of the many myths surrounding the agencys National Flood Insurance Program (NFIP). When it comes to flood insurance, not having the facts can literally cost you your lifes savings. Owners of both homes and businesses need to know the flood insurance myths and facts. Myth: You cant buy flood insurance if youre in a high-flood-risk area.Fact: If your community participates in the National Flood Insurance Program (NFIP), you can buy National Flood Insurance no matter where you live. To find out if your community participates in the NFIP, visit FEMAs Community Status page. More communities qualify for the NFIP everyday. Myth: You cant buy flood insurance immediately before or during a flood.Fact: You can buy National Flood Insurance anytime - but the policy isnt effective until a 30-day waiting period after the first premium payment. However, this 30-day waiting period can be waived if the policy was purchased within 13 months of a flood map revision. If the initial flood insurance purchase was made during this 13-month period, then there is only a one-day waiting period. This one-day provision only applies when the Flood Insurance Rate Map (FIRM) is revised to show the building is now in a high-flood-risk area. Myth: Homeowners insurance policies cover flooding.Fact: Most home and business multi-peril policies do not cover flooding. Homeowners can include personal property coverage in their NFIP policy, and residential and commercial renters can purchase flood coverage for their contents. Business owners can buy flood insurance coverage for their buildings, inventory and contents. Myth: You cant buy flood insurance if your property has been flooded.Fact: As long as your community is in the NFIP, you are eligible to purchase flood insurance even after your home, apartment, or business has been flooded. Myth: If you do not live in a high-flood-risk area, you do not need flood insurance.Fact: All areas are susceptible to flooding. Nearly 25 percent of the NFIP claims come from outside high-flood-risk areas. Myth: National Flood Insurance can only be purchased through the NFIP directly.Fact: NFIP flood insurance is sold through private insurance companies and agents. The federal government backs it. Myth: The NFIP does not offer any type of basement coverage.Fact: Yes, it does. A basement, as defined by NFIP, is any building area with a floor below ground level on all sides. Basement improvements - finished walls, floors or ceilings - are not covered by flood insurance; nor are personal belongings, like furniture and other contents. But flood insurance does cover structural elements and essential equipment, provided it is connected to a power source (if required) and installed in its functioning location. According to a recent FEMA press release, items protected under building coverage include the following: sump pumps, well-water tanks and pumps, cisterns and the water inside, oil tanks and the oil inside, natural gas tanks and the gas inside, pumps or tanks used with solar energy, furnaces, water heaters, air conditioners, heat pumps, electrical junction and circuit breaker boxes (and their utility connections), foundation elements, stairways, staircases, elevators, dumbwaiters, unpainted drywall walls and ceilings (including fiberglass insulation), and cleanup expenses. Protected under content coverage are: clothes washers and dryers, as well as food freezers and the food inside them. The NFIP recommends both building and content coverage be purchased for the most comprehensive protection.

Futures and Options Market Term Paper Example | Topics and Well Written Essays - 2000 words

Futures and Options Market - Term Paper Example In financial reporting, VAR is considered one of the major three methods used and as well recommend by the FRR. The method plays a major role in ensuring they give the most likely the institution is likely to suffer when operated under normal market movements. The rule of disclosing markets risks requires that the method must gauge the level of risk they are exposed to and make sure their investors can make their judgement in regards to the same facts. In a real sense, it should be a faithful model of letting them know what is happening on the ground. The FRR requires the investors the make demands of hefty compensation if they learn it after the risks have taken place (JORION, 2001). By testing, it’s revealed that the relationship between the cost of capital and VAR are positive. The results obtained are of great facts. This is even after they have taken care of various characteristics of the firms operating in that market. The relationship between the cost of equity and VAR shows that, it’s an effective measure which can be used to determine the value investors are likely to make for being exposed to the market risks. Moreover, am looking to determine whether, VAR is also accounted for in the determination of the cost of equity. I have achieved this by involving measures of complicated elements of the banks. On the other hand, the report is more effective to Reckless bank PLC whose management are thinking of taking value-at-risk in order to boost their stakeholders value. This means they will be able to make their decisions on the basis of the results they have obtained from various correlation and simulation models. Then realization of the fact that stock markets are affected by the VAR reported in terms of the results reported in an economical perspective, it brings the need to look at these results more keenly and avoid the losses which are associated with it (PENZA & BANSAL, 2001). The

Argue a position Essay Example | Topics and Well Written Essays - 750 words

Argue a position - Essay Example Even though many people have expressed their dissatisfaction with the engagement of the United States in the war against terrorism, American was right to enter the war because the benefits far much outweighs the costs of being in the war. In this terrorism age, it was prudent for America to enter in the war against terrorism in order to be in the upfront of protecting humanity as the world superpower. After the September 11 terrorist attack on the United State, there was panic all over the world and the only way to dispel the fear that terrorist under the leadership of Osama Bin Laden had planted in the heart of Americans and the entire globe, it was necessary for America to invade the boundaries of Afghanistan in search of the dangerous group (Heymann 19). The United States initiated the war against Afghanistan with the support of allies. America together with its allies in the war never aimed at retaliation following the September 11 terrorist attack on innocent civilians, but the main focus was to destroy a safe and supportive operation ground for al-Qaeda in Afghanistan. The main focus was to oust the Taliban out of power so as to dismantle and disable the al-Qaeda group that had been a nightmare in the region an d to the United States and the rest of the world. The al-Qaeda treated women and children in a brutal way aiming to subject them to a lifetime misery and abject poverty. Also, the Al Qaeda and the Taliban regime used civilians as shields while perpetuating their atrocities, which highly contravene humanity. Taliban commanders seized humanitarian aid offered to innocent civilians in the war torn region and cared little about human life (Oshunrinade 160). The al-Qaeda committed wanting humanitarian crimes and propagated drug trade to finance their acts of terrorism around the world. Was these not enough reason for a country that believes in human rights and freedom to intervene? The