Overview of the Basics of Probability

Overview of the Basics of Probability Probability is a term we are relatively familiar with. However, when you look up the definition of probability, youll find a variety of similar definitions. Probability is all around us. Probability refers to the likelihood or relative frequency for something to happen. The continuum of probability falls anywhere from impossible to certain and anywhere in between. When we speak of chance or the odds; the chances or odds of winning the lottery, were also referring to probability. The chances or odds or probability of winning the lottery is something like 18 million to 1. In other words, the probability of winning the lottery is highly unlikely. Weather forecasters use probability to inform us of the likelihood (probability) of storms, sun, precipitation, temperature and along with all weather patterns and trends. Youll hear that theres a 10% chance of rain. To make this prediction, a lot of data is taken into account and then analyzed. The medical field informs us of the likelihood of developing high blood pressure, heart disease, diabetes, the odds of beating cancer etc. The Importance of Probablity in Everyday Life Probability has become a topic in math that has grown out of societal needs. The language of probability starts as early as kindergarten and remains a topic through high school and beyond. The collection and analysis of data have become extremely prevalent throughout the math curriculum. Students typically do experiments to analyze possible outcomes and to calculate frequencies and relative frequencies.Why? Because making predictions is extremely important and useful. Its what drives our researchers and statisticians who will make predictions about disease, the environment, cures, optimal health, highway safety, and air safety to name a few. We fly because we are told that there is only a 1 in 10 million chance of dying in an airplane crash. It takes the analysis of a great deal of data to determine the probability/chances of events and to do so as accurately as possible. In school, students will make predictions based on simple experiments. For instance, they roll dice to determine how often theyll roll a 4. (1 in 6) But they will also soon discover that it is very difficult to predict with any kind of accuracy or certainty what t.he outcome of any given roll will be. They will also discover that the results will be better as the number of trials grows. The results for a low number of trials is not as good as the results are for a large number of trials. With probability being the likelihood of an outcome or event, we can say that the theoretical probability of an event is the number of outcomes of the event divided by the number of possible outcomes. Hence the dice, 1 out of 6. Typically, the math curriculum will require students to conduct experiments, determine fairness, collect the data using various methods, interpret and analyze the data, display the data and state the rule for the probability of the outcome. In summary, probability deals with patterns and trends that occur in random events. Probability helps us to determine what the likelihood of something happening will be. Statistics and simulations help us to determine probability with greater accuracy. Simply put, one could say probability is the study of chance. It affects so many aspects of life, everything from earthquakes occurring to sharing a birthday. If youre interested in probability, the field in math youll want to pursue will be data management and statistics.

Italian Definite Articles

Italian Definite Articles In English, the definite article (larticolo determinativo) has only one form: the. In Italian, on the other hand, l’articolo determinativo has different forms according to the gender, number, and even the first letter of the noun or adjective it precedes. It’s meant to indicate a precise, quantifiable object or person. This makes learning definite articles a bit more complicated, but once you know the structure, it’s relatively simple to get used to. il quaderno e la penna - the notebook and pen: In this example, the definite articles are â€Å"il† and â€Å"la.†i ragazzi e le ragazze - the boys and girls: In this example, the definite articles are â€Å"i† and â€Å"le.† Heres a table with the definite articles. Singular Plural Masculine il, lo, l i, gli Feminine la, l le Sometimes the articles can be tricky to pronounce (especially â€Å"gli†). When To Use  Definite Articles Here is a list of general rules for when to use definite articles. 1. Lo (pl. gli) is used before masculine nouns beginning with s consonant or z, like â€Å"lo zaino - the backpack† or â€Å"gli scoiattoli - the squirrels†. You will also see â€Å"lo† being used with masculine nouns that begin with â€Å"gn,† like â€Å"lo gnomo.† Here are some examples. lorologio- gli orologi watch- watcheslamico- gli amici friend- friends lo yoga   yogalo yogurt yogurtlo specchio- gli specchi mirror- mirrorslo stadio- gli stadi stadium- stadiumslo psicologo- gli psicologi psychologist- psychologistslo zero- gli zeri zero- zeros NOTE: there are a few exceptions: il dio- gli dà ¨i god- godsper lo meno at leastper lo pià ¹Ã‚  Ã‚  mostly 2. Il (pl. i) is used before masculine nouns beginning with all other consonants, like â€Å"il cibo - the food† or â€Å"i vestiti - the clothes.† 3. L’ (pl. gli) is used before masculine nouns beginning with a vowel, like â€Å"l’aeroporto - the airport,† 4. La (pl. le) is used before feminine nouns beginning with any consonant, like â€Å"la borsa - the purse† or â€Å"le scarpe - the shoes.† Here are some examples: la stazione- le stazioni train station- train stationsla zia- le zie aunt- auntslamica her friendlautomobile the car 5. L’ (pl. le) is used before feminine nouns beginning with a vowel, like â€Å"l’amica - the friend† or â€Å"le donne - the women.† The article agrees in gender and number with the noun it modifies and is repeated before each noun. la Coca–Cola e l’aranciata - the Coke and orangeadegli italiani e i giapponesi - the Italians and the Japanesele zie e gli zii - the aunts and unclesle zie e il nonno - the aunts and the grandfather The first letter of the word immediately following the article determines the article’s form. Compare the following: il giorno (the day) → l’altro giorno (the other day)lo zio (the uncle) → il vecchio zio (the old uncle)i ragazzi (the boys) → gli stessi ragazzi (the same boys)l’amica (the girl  friend) → la nuova amica (the new girl friend) Tips When Using Definite Articles In Italian, the definite article must always be used before the name of a language, except when the verbs parlare (to speak) or studiare (to study) come before the name of the language; in those cases, its up to you whether you want to use it or not. Studio l’italiano. - I study Italian.Studio italiano e arabo. - I study Italian and Arabic.Parlo italiano. - I speak Italian.Parlo l’italiano e il russo. - I speak Italian and Russian.Parlo bene l’italiano. - I speak Italian well. The definite article is also used before the days of the week  to indicate a repeated, habitual activity. Domenica studio. - I’m studying on Sunday. → Marco non studia mai la domenica. - Marco never studies on Sundays.Il lunedà ¬ vado al cinema (ogni lunedà ¬). - On Mondays, I go to the movies.On Monday I go to the movies. (Every Monday)Cosa fai di solito il giovedà ¬? - What do you usually do on thursday evenings?Di solito vado a giocare a carte con i miei nonni -   On thursday, usually I go and play cards with my grandparents. Finally, another common situation where the definite article is used is with telling the time. Notice here though that the article is combined with a preposition making something called an articulated preposition. Mi sono svegliato all’una. - I woke up at one.Vado a scuola alle dieci. - I’m going to school at ten. You can use it to indicate a category or a species in a generic sense: Il cane à ¨ il miglior amico delluomo (tutti i cani). - Dog is mans best friend (all dogs).Luomo à ¨ dotato di ragione. - Man is endowed with reason. (To talk about â€Å"every man†) Or to indicate a particular thing or an object: Hai visto il film? (quel film) - Have you seen the movie? (that movie)Hai visto il professore? - Have you seen the professor?Mi hanno rubato il portafogli. - They stole my wallet.Non trovo pià ¹ le scarpe. - I can’t find my shoes. You’ll also want to use it when preceding possessive pronouns: Lauto di Carlo à ¨ nuova, la mia no. - Charless car is new, but mine isnt. Or with geographical destinations, like: continents: lEuropacountries: lItaliaregions: la Toscanalarge islands: la Siciliaoceans: il Mediterraneolakes: il Gardarivers: il Pomountains: il Cervino (the Matterhorn) And finally, with parts of the body: Mi fa male la testa.- My head hurts. Definite Articles with Names Use definite articles with the last names of famous female celebrities: la Garbola Loren With all surnames in the plural: i Verrigli Strozzi With nicknames and pseudonyms: il Barbarossail Grisoil Canalettoil Caravaggio With proper names used without any specification: Mario but: il signor Mario With the last names of famous or well-known male characters, if not preceded by an adjective or title: Mozart but: il grande Mozart NOTE: There are instances in which the definite article is used, especially when referring to Italian writers: il Petrarcail Manzoni

Ethical Hacking the three shades White Hat, Black Hat, Gray Hat Research Proposal

Ethical Hacking the three shades White Hat, Black Hat, Gray Hat - Research Proposal Example The researcher employed both qualitative and quantitative research design methods of attacking a computer network. In the conclusion part, the summary was included that summed up the research work. The researcher recommended that there is a need for future research to offer adequate analysis on the way ethical hackers will implement effective risk management plan, which will enable Internet users or businesses to protect their data from hacking activities. INTRODUCTION Ethical hacking as a risk management technique is the use of programming skills in determining vulnerabilities in the computer system. There are varied types of ethical hackers including the White Hat, Black Hat and Grey Hat; thus, both focus on building a risk management program effective for eliminating vulnerabilities. The rapid advancement of technology has brought many constructive and significant solutions to the life of people. New areas of research have tremendously increased in e-commerce, electronic activitie s and information sharing areas. However, with the increased technology advancement, there have been a growing number of cybercrimes and criminal hacking activities. Businesses and other Internet users are nowadays scared of computer experts who will offer risk management through penetrating into their web server to offer adequate security. Therefore, there is a need for computer science students to advance their ethical hacking techniques in order to fight against the increasing problems of criminal hacking. Project Goals The project attempts to offer a comprehensive risks management plan effective for eliminating hacking activities in varied organizations. It identifies the risks resulting from hacking and offer effecting hacking methods that hackers will employ to manage organizational risks. It analyses the process of ethical hackings and also attempt to find out the pros or cons arising from ethical hacking. LITERATURE REVIEW This chapter will employ varied literature materials in order to examine the way the previous scholars have argued about ethical hacking issues. Tiller (2005) offer varied methodologies and unwritten convention that ethical hackers should employ in order to offer the maximum value to companies that want to manage organizational risks. The author reveals the technical aspects of penetration testing in order to address the engagement rules necessary for successful technical tests. Jahankhani (2010) also reveals the way cybercrimes has become one of the biggest problems in many industries across the globe; thus, reveals varied aspects including implementation, investigative techniques and criminal intelligence in fighting cybercrimes. The author aimed to educate the academia members, public and private sectors, as well as, students on the way to overcome cybercrimes issues. Logan and Clarkson (2005) reveal the significant need to educate computer science students to hack; thus enabling them to become experts in managing risks or vulnera bilities arising from hacking activities. HYPOTHESIS Hacking will likely to pose risks such as exposing sensitive user data and risk user privacy; thus making information vulnerable to illegitimate use and manipulation. Therefore, it triggers theft of critical business information because important information may be lost in the process hacking. This is because hacking can convert computer into zombies; thus contributing to spamming and phishing

Industrial relation_Changes to Employment Legislation in Singapore Essay

Industrial relation_Changes to Employment Legislation in Singapore - Essay Example The trade unions are lawful and they help to resolve the conflicts between the employees and employers (Clegg, 1975, 14-25). The Singapore system is a cooperative Tripartism, wherein the union, government and the management participate. The Industrial and Employment Laws are amended as per the perspectives of the Tripartite. These laws are amended based on certain changes in the Singapore market, work forces, Labour relations and several other essential factors. 2. Reasons for the changing make up of the workforce in Singapore since the start of the 21st century The Singapore Tripartism Forum or the STF), created by NTUC (National Trades Union Congress), Singapore National Employers Federation (SNEF) and Ministry of Manpower (MOM), was launched on the 24th of January 2007 by Prime Minister, Mr Lee Hsien Loong. It is a forum which is designed to enhance the strength of tripartism; the tripartners being the Union, Government and the employers. The forum provides an effective framework which can help to overcome the economic challenges which are being encountered by Singapore. The economic competitiveness and ‘labour-management relation harmony’ would be benefitted by the inclusion of this framework. Objectives as per. Chuan-Jin (17 April 2012) are: Job re-creation Enhancing skills Raising retirement age, Upgrading of the workforce, Flexible wage system Promotion of the fair employment practices as per John Benson, Ying Zhu, PH. 2011. The tripartite partners are as follows: The Ministry of Manpower: As per the Ministry of Manpower (2012), this organisation aspires to develop globally competitive labour /workforce. It also aims at developing a better workplace and achieving a cohesive society. In addition, the aim is to achieve a secure and stable economic future. The National Trades Union Congress (NTUC): It is a national level confederation of trade unions in public sectors and industrial domains representing 500,000 workers. It comprises of 62 union s and 6 taxi associations, which are all affiliated. The objective of this organisation is to make the workers employable for their lifetime and to enhance the social status of these workers. As per NTUC (2010), it aims at enhancing the competitive environment and also for enhancing the health conditions of the employees. These laws apply to all ages and nationality. The Singapore National Employers Federation (SNEF) This federation was set up in 1980. It is a trade union of employees, which is meant to preserve industrial harmony. It is dedicated to help the employees to achieve excellence. As per the Annual Report SNEF (2009), SNEF has over 2000 members employing 54000 workers. It plays a key role in facilitating tripartite partnership. As expressed by Clegg (1975, p. 309-316), tripartism â€Å"theme is that men associate together to further their common interests and desires; their associations exert pressure on each other and on the government; the concessions which follow help to bind society together; thereafter stability is maintained by further concessions and adjustments as new associations emerge and power shifts from one group to another.† As per the publication, Changes to Employment Act (2009), Ministry of Manpower, the following factors are the base reasons for the amendment in the Employment Act:

Good Governance Essay Example for Free

Good Governance Essay Good Governance has 8 major characteristics. It is participatory, consensus oriented, accountable, transparent, responsive, effective and efficient, equitable and inclusive and follows the rule of law. It assures that corruption is minimized, the views of minorities are taken into account and that the voices of the most vulnerable in society are heard in decision-making. It is also responsive to the present and future needs of society. But there is one characteristic I like most, it is the Accountability. Accountability is a key requirement of good governance. Not only governmental institutions but also the private sector and civil society organizations must be accountable to the public and to their institutional stakeholders. Who is accountable to who varies depending on whether decisions or actions taken are internal or external to an organization or institution. In general an organization or an institution is accountable to those who will be affected by its decisions or actions. Accountability cannot be enforced without transparency and the rule of law. Maybe some of you will ask why is accountability important to Governance? It is because it evaluates the ongoing effectiveness of public officials or public bodies ensures that they are performing to their full potential, providing value for money in the provision of public services, instilling confidence in the government and being responsive to the community they are meant to be serving. Being accountable is also being liable, responsible for every person that affects your decision. For example, me as a Student leader we are here to serve students, to fight for their rights. Therefore, we must consider first the sake of the students before we make a decision. Because when we took our positions there is a corresponding responsibility that we must face. Reproductive Health Bill informally known as the RH Bill, are proposed laws in the Republic of the Philippines aiming to guarantee universal access to methods of contraception, fertility control, sexual education, and maternal care. For sure you are wondering why this issue is in this essay, well I believe this issue is related on being accountable. Why? Did government even consider that our country is well known to be a religious country? That, in every time they use those contraceptives they are actually killing an innocent life? They always say that this is the only way to surpass, lessen poverty. But it’s actually wrong, do they consider the effect of this or should I say to they consider themselves accountable/liable for this? Corruption is definitely one of the problems seen by the citizen and the government as well. There have been lots of controversies relative to government officials being involved with money issues. The thing is that even though there are hearings and investigations, the truth never seems to come outwhether its positive or negative news. Poverty and employment would also be among the problems. There are more people that are going hungry. Government and Us are all accountable to it. Why? We as a citizen we can make a living among ourselves because at the end of the day we are still the driver of our own life. But, as a citizen we voted those who are on the position now because we believe that they will minimize our burdens. At the point that we elect them they are already accountable. But after they got what they want all their promises turn to trash. They do things without even considering us. In the end, nothings happen. Accountability or being accountable can be achieved by putting and doing all our jobs in our hearts. Yes, it’s hard but we chose to be in this place all we need to do is face it effectively and do the best we can for the better. Don’t be scared to commit mistakes because those are our experiences and lesson learned. Remember, think first before you make a decision.

A Midsummer Night’s Dream Essay: The Perspective of Theseus

A Midsummer Night's Dream:  The Perspective of Theseus  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚      In his play, A Midsummer Night's Dream, Shakespeare clearly establishes the feelings of Theseus with respect to love and reason.   Theseus distrusts the nature of love and its effect on people as he states in the following passage: I never may believe these antic fables or these fairy toys. Lovers and madmen have such seething brains, Such shaping fantasies, that apprehend More than cool reason ever comprehends. The lunatic, the lover, and the poet Are of imagination all compact. One sees more devils than vast hell can hold: That is the madman. The lover, all as frantic Sees Helen's beauty in a brow of Egypt. The poet's eye, in a fine frenzy rolling, Doth glance from heaven to earth, from earth to heaven; And as imagination bodies forth The forms of things unknown, the poet's pen Turns them to shapes, and gives to airy nothing A local habitation and a name. Such tricks hath strong imagination That, if it would but apprehend some joy, It comprehends some bringer of that joy; Or in the night, imagining some fear, How easy is a bush supposed a bear (V, i, 3-22)!    Theseus expresses his doubt in the verisimilitude of the lover's recount of their night in the forest. He says that he has no faith in the ravings of lovers or poets, as they are as likely as madmen are to be divorced from reason. Coming, as it does, after the resolution of the lovers' dilemma, this monologue serves to dismiss most of the play a hallucinatory imaginings. Theseus is the voice of reason and authority, but he bows ... ...rs† (V, I, 28-30! Instead of â€Å"Go and fresh days of love accompany your hearts!† (V, I, 28-30) 2.  Ã‚  Ã‚  Ã‚  Ã‚   Your first paragraph seems to be your first point instead of your introduction.   Your first sentence also appears to be your thesis statement.   Your introduction should incorporate all of the points of your paper.   You are introducing all of them.   So, lengthen your introduction and then for your thesis statement you need to list all of the points that you discuss. In his play, A Midsummer Night's Dream, Shakespeare clearly establishes the feelings of Theseus with respect to love, reason. 3.  Ã‚  Ã‚  Ã‚  Ã‚   When quoting lengthy passages from a Shakespearean play or a poem, you should keep the line formation.   Begin a new line when the author of the passage begins a new line.         

A Short Analytical Paper of Abraham Lincoln’s “a House Divided” Essay

The House Divided Speech was addressed by Abraham Lincoln on June 1958. He delivered the speech upon his acceptance of Illinois Republican Party’s nomination as the senator of the state. Thus the speech became a very important launching campaign for his success in politics thus giving him a national limelight that saw him in the elections to the presidency in 1860.The speech primarily addressed on the issue of slavery in America. Abraham Lincoln delivered his speech aimed at establishing his strong beliefs towards the acts of slavery. The speech was also meant to point out a differentiating factor of beliefs from Stephen Douglas and the rest of the top governmental officials who seemed to practice corruption in their transactions. According to Abraham Lincoln, â€Å"A House divided against itself cannot stand†. This was the major crucial theme of Abraham Lincoln’s speech. From this important statement,Licoln meant that the American nation could not in whatever terms or state face a positive survival phase when it was composed of a state of half-slavery and half-free. He meant that only one of those two states could only exist. Thus his bold statement was that he expected that the division that existed had to cease so as to embrace success and good governance. Lincoln’s speech helped rouse to the people of America the recognition of the extent to which slavery had gone. Lincoln’s speech is still relevant in this 21st century in that even today, each nation should embrace unity in all its undertakings whether political, social and economic. He believed that the ideals of a nation with freedom for all could not have a chance of coexistence whether socially, morally or in legal terms under one nation. Thus slavery should either be accepted among all people or be universally denied. A universal truth is clearly bears a clear significance from Lincoln’s statement to the extent that such a statement even pervades a lot of importance to the modern society and even the governments in power today. Such relevance can be clearly seen in the experiences in Sudan. Continued irreconcilable differences in culture and religion against the people of Sudan saw Southern Sudan seceding to become the republic of South Sudan. Such success for secession bears credit from the prophetic work of Abraham Lincoln. A division had always existed between the people from Northern Sudan who were associated with Muslim religion and the people from the Southern Sudan who were associated with Christianity. This scenario bred a situation of ethnic and cultural differences between the two states to the extent where secession could be avoided. Even today, the American nation is still faced with challenging political divisions and differences especially between the parties of the Republicans and the Democrats. The unwillingness of the two parties to arise to compromised solutions has always been evident in most of the major recent crises facing the nation. Clear evidence is the recent crisis on the debt ceiling where the Republicans were on the favor of maintaining cuts on spending as opposed to the Democrats who were advocating for an increase in taxes so as to increase revenue collection in the country. Further differences saw a compromised situation of debt ceiling being arrived at as the solution. This led to the country facing an economic disaster as a result of the oppositions from the two strong political parties. In the recent world, the institution of marriage can be compared to the speech of Abraham Lincoln. Marriage is a union of two people who are bound to each other by law. Division is prone to occur in a marriage situation in case of a divorce. For the married partners to embrace endured togetherness and unity in their marriage, they must appreciate common interests of concerns in their practices. In case one of the partners dissent from the unity and togetherness set up, the marriage is susceptible to division brought about by breaking of the legal bonds that hold the marriage partnership in unison. Continued lack of an amicable compromised solution between the two conflicting partners will thus lead to separation. Continued separation will see the two partners seek a divorce in a court of law and the marriage will fail completely. Most marriages nowadays are failing as a result of continued disagreements of interests between the married couple. As per words of Lincoln that a divide house cannot stand, thus the divided marriage partnership cannot even endure survival thus it breaks up. Even today, divisions in groups have been as a result of continued differences among the uniting groups. Humans have a tendency to incline towards the protection of their interest’s aid favors of their perceived groups. Such favourism makes them advocate fully for their interests posing a challenging opposing side to the interests of their unperceived groups. Many nations today are faced with such opposing groups having differing interests and ideals. People advocating for similar ideals tend to create strong ties of loyalty and even alliances creating a boundary to the opposing group or alliance. The existence of the two opposing groups as a whole sees each group maintain conflicting interests. Continued disagreement leads to one group conquer the other resulting to a failing side and a winning side. Ultimately such results create division in the nations. Thus, Abraham Lincoln’s works from the speech â€Å"A House Divided† bears a lot of significance and relevance in our modern world.

Process A Buying A House Essay

Your Journey to Home Ownership Buying a house is an exciting process; especially if it is your first home.   It may be a long or short process. But no matter how long it takes you will follow at least four steps throughout your journey to home ownership.   First, you will check your credit and examine your finances.   Next, you will shop for a mortgage loan.   Then you will shop for the right house!   Finally, you will move in.   Remember, you or other family members will probably live in your new house for the rest of your lives.   That is why it is important to understand the steps in the home buying process.   This brochure walks you through the process of buying a home. CREDIT AND FINANCES Know Your Credit It is not only important to know your credit scores, but to know your credit.   Know the basics about your credit before a mortgage lender pulls your credit scores.   It is helpful to write out a summary of your credit history as you know it.   What are your monthly payments?   If you have been late with payments, write down which ones, how often you have been late, the current status, and explain what led to the circumstances.   Also write down your loan and credit card balances.   And explain any collections, judgements, or other delinquencies that you think might affect your credit.   This way both you and the lender know what to expect when your credit report is pulled. Know Your Finances You must cover some part of a down payment (up to 20% of the purchase price) and some closing costs (at least 3% of the purchase price).   It is important to know that cash in the bank is not the only source of funds that are acceptable to a lender.   Will a relative give you part of your down payment as a gift?   If so, have them write a letter stating the amount they will give and include that amount as a cash asset on your loan application. Do you have an insurance policy with a cash value?   Do you have a retirement fund?   Include a most recent statement from those policies.   These cash assets help you to qualify even if the cash is not on hand.   If you need to use these sources, your lender will instruct you how to document the withdrawals or have the gift monies transferred when the time comes. SHOP FOR A MORTGAGE LOAN Shop for the Right Mortgage Company First, determine if you will use a commercial bank, a direct mortgage lender, or a mortgage broker.   The best thing to do is call each one and ask what programs and services they offer.   They can answer basic questions without taking a loan application or pulling your credit.   However, be careful about quoted rates.   Make sure that rates ore given for the type of loan you are interested in and qualify for.   In other words, if you are looking for a construction loan, don’t compare home improvement loan rates. Shop for the Right Mortgage Once you have decided what type of company to work with, they will help you determine the right mortgage program for you.   They will present you with scenarios for both fixed and adjustable rate mortgages; for 15-20-30 year loan periods.   They will also present loans for your specific financial and credit situation, for first time homebuyers, and for existing houses or new construction.   They will also tell you what loan amount you qualify for, what your down payment and closing cost cash contribution should be, and what your maximum purchase price can be. SHOP FOR YOUR HOUSE Location Location Location Take a drive around the communities that you are attracted to.   Determine how close they are to good schools, shopping locations, and other things that are important to you.   Be sure to note your commute to work from these areas noting accessibility to freeways and main roads.   Once you narrow the areas you like, write down what your home should look like and features it should have – how many bedrooms, bathrooms, 2-story or ranch style, older home or newer construction.   Once you decide these factors, you are ready to go shopping. Real Estate Agents Real estate agents can help you find what you are looking for.   The MLS allows the agent to plug in your parameters – price, style, location, size, amenities – and identify several houses for you to look at.   The agent will also present your offer to the seller, and help you negotiate contract items such as seller paid closing costs or repairs to be done prior to closing. MOVE IN Closing Once your loan is approved, the house is appraised and inspected, you will meet with a title company to sign the mortgage and title documents.   You will provide a copy of a homeowners insurance policy.   The seller will provide a transfer of title, a pest inspection, and general safety inspection or occupancy certificate, if required by your municipality.   The title company will provide you an insurance policy protecting against old liens against the property.   Once all documents are signed, the items are filed with the real estate department in your county, and YOU GET YOUR HOUSE KEYS! Moving In Remember to do things like submit a change of address at the post office.   And, if you are a renter, notify your landlord at least 30 days prior to moving.   Also, remember that you will now be responsible for paying property taxes and homeowners insurance.   If these items are not included with your mortgage payments, be sure to make billing and payment arrangements right away. RESOURCES Fannie Mae  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   http://www.fanniemae.com/homebuyers/index.jhtml;jsessionid=JNHAKUJNMMPBVJ2FQSHSFGI?&p=Overview Freddie Mac  Ã‚   http://www.freddiemac.com/corporate/buying_and_owning.html FHA  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   http://www.fha.com/ VA  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   http://www.homeloans.va.gov/ HUD  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   http://www.hud.gov/offices/hsg/index.cfm Bankrate  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   http://www.bankrate.com/brm/rate/mtg_home.asp?link=5   

Faces of Deception in Ingmar Bergmans Persona essays

Faces of Deception in Ingmar Bergmans Persona essays Persona is probably Ingmar Bergmans most famous film. Its notoriety goes beyond the sum of its controversial ingredients, however, which are many (the inclusion of footage of an erect penis in the pre-title sequence, graphic verbal descriptions of an orgy, etc.); rather, its enduring legacy has more to do with the fraught complications of the plot itself, which has proven to be nearly impossible for critics and audiences to unravel ever since its release in the year 1966. While I make no claims of being able to solve the mystery of Persona, in what follows, I intend to focus on one primary aspect of the film the role that the human face plays throughout in order to gain insight into what I believe to be one of Personas central clues. From the very beginning of the film the famous pre-title sequence the face plays a primary role. The pre-title sequence, of course, consists of a montage of different still images, but culminates in a young boy in bed touching the large, projected face of a woman on a screen. The boy is clearly meant to be the son of Elisabeth, and the projection of the face is Elisabeth herself. What is only hinted at here will become clear towards the end of the film namely, Elisabeths distant stance from her son, and the boys desire to be closer to his mother something that he can never do, owing to her lack of authenticity. Indeed, the illness that Elisabeth (Liv Ullman), the actress, seems to be suffering from is a lack of authenticity. She feels that it is impossible for her to give an authentic reaction to tragic events, so in order to deal with this dilemma, which obviously affects her profoundly, she stops speaking. Her breakdown occurred when she was in the middle of playing the title role in Electra on stage. A young nurse, Sister Alma (Bibi Andersson), is assigned to take care of her. As Alma is unable to effe...

Alioramus - Facts and Figures

Alioramus - Facts and Figures Name: Alioramus (Greek for different branch); pronounced AH-lee-oh-RAY-muss Habitat: Woodlands of Asia Historical Period: Late Cretaceous (70-65 million years ago) Size and Weight: About 20 feet long and 500-1,000 pounds Diet: Meat Distinguishing Characteristics: Moderate size; numerous teeth; bony crests on snout About Alioramus An awful lot has been abstracted about Alioramus ever since a single, incomplete skull was discovered in Mongolia in 1976. Paleontologists believe this dinosaur was a medium-sized tyrannosaur closely related to another Asian meat-eater, Tarbosaurus, from which it differed in both its size and in the distinctive crests running along its snout. As with many dinosaurs reconstructed from partial fossil specimens, though, not everyone agrees that Alioramus was all that its cracked up to be. Some paleontologists maintain that the fossil specimen belonged to a juvenile Tarbosaurus, or perhaps was not left by a tyrannosaur at all but by an entirely different kind of meat-eating theropod (hence this dinosaurs name, Greek for different branch). A recent analysis of a second Alioramus specimen, discovered in 2009, indicates that this dinosaur was even more bizarre than previously thought. It turns out that this presumed tyrannosaur sported a row of five crests on the front of its snout, each about five inches long and less than an inch high, the purpose of which is still a mystery (the most likely explanation is that they were a sexually selected characteristicthat is, males with bigger, more prominent crests were more attractive to females during mating seasonsince these growths would have been completely useless as an offensive or defensive weapon). These same bumps are also seen, albeit in muted form, on some specimens of Tarbosaurus, yet more evidence that these may have been one and the same dinosaur.

Financial Research Report Paper Example | Topics and Well Written Essays - 2750 words

Financial Report - Research Paper Example Apple, Inc. is the second-largest information technology corporation in the world by revenue after Samsung Electronics and also the third-largest mobile phone maker in the world (Ximà ©nez, & Sanz, 2014) As the financial manager, I have made the decision to recommend to my investor that he/she invest heavily in the stock of the Apple Inc. There are a number of reasons behind my decision for the investor to consider investing in Apple. First, Apple is the best investment option owing to the fact that by the end of 2012, according to Bernstein analyst, Toni Sacconaghi (2012), the company alone was responsible for 17% of the gains of the whole Standard and Poor’s Five hundred. Secondly, Apple’s long-term performance over the last ten years has been outstanding. Since 2002, the company’s stock soared 7,800% compared to S&P Five hundred (Birger, 2013). In my opinion, this performance/strength over the past ten years proves that the stock of Apple Inc. is a reliable investment at present and in the future. Additionally, while in the previous periods Apple has been considered specifically as the growth stock company, presently I would consider Apple as not only the gro wth stock company but also the value play company. The reason behind my consideration is that according to Birger (2013), the company experienced â€Å"66% growth in earnings in the past four quarters, a 1.8% dividend yield as well as a price/earnings ratio of 13.3 , which is lower than S&P 500’s 16 P/E† in 2012. All of the aforementioned reasons indicate that even though the company’s stock has significantly dropped by almost 33% since the company’s historic high of $ 700 (September 18th, 2012), Apple is still a strong investment option for the investor (Rich, 2013). Additionally, in August 2013, Carl Icahn (American businessman) invested quite a large amount shares in Apple saying that he thinks the shares are extremely undervalued. Lastly, Apple is famous for its excellent innovation. For