Ateneo Personal Essay Essay

Eleanor Hibbert once wrote â€Å" if it’s good, it’s wonderful. If it’s bad, it’s experience .† We must bear in mind that all our experiences in life, our accomplishments and mistakes, every single person we have encountered, and every medal and scar we have are the reasons why we are who we are today. Every experience, no matter how trivial or immense, is significant. For what I am now, I owe to these experiences. As early as the fifth grade, I have already developed my passion for service. I wanted to join our school’s student government very much, that’s why I started running as a class representative, a P.I.O., a secretary, and lastly as a vice-president. I obtained these positions not because I was popular but because of my willingness to serve. I am privileged to have served the school body for almost six years. This has taught me to do my duties and tasks well, to care for the welfare of others, and it taught me to be able to lead towards the greater good. Having been entrusted with responsibilities was one of the experiences that helped to define me as a person. Through the years, I discovered and enhanced my talents. I had the passion towards art, where they say I inherited from my father, who is very artistic. Doodling on every empty spot on whatever paper I could get on my hands. Sketching and Painting was my favorite. I cherished every moment of our art class, because it’s good to have a time for creativity. I discovered that I could play the piano, I was able to express myself in the music that I make and it was the outlet of my feelings. When I entered high school, I expected everything to be fun and carefree, but I was wrong. This was the time for me to work even harder in order to achieve what I want, because everyone else is trying their best. It really is hard to be an achiever when you are surrounded with many other achievers. I struggled with heavy work load, but through this, I developed the attitude to keep on trying and doing my best. High school for me was also a stage of self-discovery. It awoke me to excel academically, mature emotionally, and discover my identity as part of my family. But faith and having a healthy relationship with God was the strongest factor in defining myself. Trusting Him makes me confident with the problems I may face. And I will never get tired of worshipping Him. I have had the ups and downs in my life, and God was there to guide me and protect me. His plan has given me the best perspective. Life has not really been all that bad since it has also blessed me with moments of pure joy and happiness. Life taught me to hold on and to believe in something even though the odds are against me. Everyday had been the time of my life. This essay made me look back to those 14 years. I admit that I had a hard time defining myself as a person but I have once again put all my effort and did my best. Through this essay, I realized my purpose in this life. I now know my place in this world— to do my best in whatever role I play — as a friend, as a student, as a daughter and in all things, as a Christian. I was truthful and candid and I hope I made myself known. This is who I am. This is Stephanie Joy Cea, an aspiring Atenista.

Public bank management Essay

1.Introductions The model of the Five Competitive Forces was developed by Michael E. Porter that becomes an important tool for analysing an organizations industry structure instrategic processes. This model is applicable to the banking industry. Public Bank do compete with the other financial institution in Malaysia, however they also must cooperate with one another in many respects. There is an underlying problem which is the banks in Malaysia are so similar that there is essentially nothing one of them can do that the others cannot easily duplicate 2. Five Forces Analysis a. Threats of new entrants Malaysia has not put a barrier to entry for any financial institution manly banks in Malaysia, thus making it easy for any financial institution to penetrate into the industry. b. Bargaining power of suppliers a bank has three suppliers of its product, money: 1. Its depositors has no bargaining power whatever in reality. If they make time deposits the bank will set the price or interest rate it will pay. 2. The credit market the credit market as a source of supply of the raw material, money, is open to all at all time if they are qualified participants. The source of supply can be argued to be infinite. 3. The central bank The Central bank is effectively the resource of last resort. Apparently, at least for the moment, it will continue to supply liquidity to the banking system in virtually unlimited quantities at very reasonable cost. c. Bargaining power of buyers In the banking industry, customer have has very limited bargaining power. However the customers may option in changing to other banks that they think is offering a better offer than Public Bank. c. Threat of substitute product For the most part there is no real threat of substitute products in the banking industry. However there probably will be continues evolution of  products from paper to electronic in coming years. This is an area of potential competition for whomever banks that choose to use it in their services. d. Rivalry among competitors Generally all banks offer somewhat the same products and services to their customers, thus there is not much differentiation between Public Banks and the other competitors. This is making the competition much higher. Public Bank is actually ranked as the top banks earners in Malaysia in 2009 alongside with Maybank, Bumiputra Commerce, RHB Capital and Hong Leong Bank. 3. Table 1: Method used to identify opportunity and threat for Public Bank using external environment factors and industrial environment factors.(Factors under industry environment are derived from Porters Five Forces). 4. Opportunities 1. Economic growth Malaysia had definitely have been more economically stable and improving, thus financial institution such as Public Bank are needed to aid the overall development of the country. 2. Government policy Encouraging borrowings, loans, investment and consumption demand. 3. Awards and accolades Through recognition, Public Bank can project a positive image to their customers 4. Market share Public Bank has the highest market share for the private sector unit trust business, thus having a larger customer base. 5.  Low switching cost Nowadays it is easy for any customer to switch to other banks with just a click away, making the switching cost to be faster and cheaper, making it easy for the customers to switch to Public Bank. 5. Threats 1. Substitute product/service are available There is a potential competition to whomever banks that choose to upgrade their product and services to cater to their customers need. Maybank for example provide a customer friendly interface through their website www.maybank2u.com, and it became the most visited website in Malaysia. 2.Substitute performance Maybank, Bumiputra Commerce, RHB Capital and Hong Leong Bank are Public Bank competitors and each is recognized for their performance. This will make the competition even higher. 3. Customer switching cost Other than being an opportunity, switching cost can also be a threat for Public Bank as the customers can also easily switch to other financial institution. 4. Government legal& barriers There are no barriers that the government put for any legal financial institution to enter in the industry, making any new entrants penetrate into the market share easily. 5. Exit barriers High exit barriers in the industry are making the competition between Public Bank and the other competitors are even higher. 6. Conclusion Porter Five Forces Model are used to identify how the forces affect the attractiveness and profitability of Public Bank, and through this forces, the factors that influence these forces are used in the table 1, to identify Public Bank opportunities and threats. By identifying Public Banks industry environment, the company can improve and sustain their product and services for their customer, ultimately improving their performance.

AP American History Essay Essay

The British North American colonies grew considerably between 1600 and 1763. Imports and exports across the Atlantic caused a constant demand for labor in the colonies. The British colonies supplied raw goods as well as some manufactured goods for countries around the world especially in Europe. As the demand for cash crops and raw materials from the Americas grew, the demand for labor also increased. Trans-Atlantic interactions fostered continuity in the demand for labor in the British North American colonies from 1600 to 1763 but also fostered changes in the sources of labor. The harsh conditions for indentured servitude remained during this period. Indentured servants were treated basically as slaves and many, when freed, were unable to make a decent living for themselves with the small amount of land they were given. The government and society still viewed former indentured servants as inferior to the middle class colonial citizens. Indentured servants were the main source of labor, especially in the north, until Bacon’s rebellion. Nathanial Bacon in Jamestown led Bacon’s rebellion; this rebellion was brought about against the rule of Governor William Berkley. The immediate cause was Berkley’s refusal to retaliate against a number of recent Native American attacks on the frontier settlements, most of which were inhabited by former indentured servants. The long-term cause was the inequality in society between former indentured servants, the lower class, and the middle class. After this rebellion, landowners began to prefer permanent African slaves to indentured servants who only worked unpaid for about seven years. African slaves soon proved a better source for labor because they did not rebel like the indentured servants, and they proved far more healthy and durable than Native Americans. The south especially began to rely on this source of labor because of their cash crops and their plantation society. Farming of cash crops such as tobacco, indigo, rice, and cotton provided for a continued demand in labor throughout the colonies. The south especially had a strong, constant, demand for laborers because their cash crop, rice, required a lot of time and expertise. The southern colonies also required more labor because of their vast amount of land compared to the northern colonies. Slaves from West Africa proved to be very valuable to plantation owners in the south as these slaves had knowledge in the growth and care of rice. As demand for these crops rose in Europe, so did the demand for labor both forced and voluntary. British colonists began to shift from farming varied cash crops to monoculture crops such as tobacco and cotton, which impacted labor systems. This  shift created a plantation labor system, particularly in the southern colonies. The plantation labor system relied heavily on African slaves rather than indentured servants. In the north, family farm labor characterized the majority of the labor during this time; consequently the north did not require as much demand for alternate labor. The South, however had a predominantly plantation based society with a strong demand for cheap labor. The families in the South did not grow fast enough to be able to sustain such large amounts of land on their own. When the American colonies broke from England this difference in dependency of slaves between the north and south proved to be an issue in the creation of the government. The Northwest Land Ordinance created by the Articles of Confederation prohibited any slavery from the old western territories. This began the slow removal of slavery that eventually led to the civil war. The trans-Atlantic slave trade rose during the period of 1600-1763. This allowed for employers to acquire African slaves much easier. New England would trade rum with the Africans for slaves, which they would then use to trade with the southern Americans for sugar, which was then returned to New England. European imperial systems correspondingly shifted from mercantilism to capitalism. The private owners in colonial America began to have more control over the trade and profit of the community rather than the state.  America also began to become much more self-sufficient even though they were still under England’s control. England’s policy of salutary neglect allowed for the colonies to expand and become more independent from the British and the other colonies. This independence and increased demand by other countries for goods from the American colonies caused an increase demand for labor. Trans-Atlantic trade and other interactions caused an increase demand for labor in the British North American colonies from 1600-1763 but also created a change in the sources of labor. The demand for changes in labor sources were due to Bacon’s rebellion, the shift from farming varied cash crops to monoculture crops such as cotton and tobacco, the shift from mercantilism to capitalism in Europe, and the formation of a plantation system predominantly in the South. Slave labor in the south helped direct the nation to the Civil War. The Developments between 1600 and 1763 led to little slave labor in the North and slave dependency in the South. This labor development aided in sectional division and political issues that led to the Civil War.

Final Question 3 Essay Example | Topics and Well Written Essays - 250 words

Final Question 3 - Essay Example The main basis of setting the limits of the hazard chemicals and the corresponding related OSHA standards entail initiation of the extent of potential exposure and the lofty extent of dermal hazard. Potential exposure is set by approximating the risk of the chemical splash, important differences within the work practices amidst individuals, use of gloves against hand tools when an individual comes into contact with direct contact with the underlying chemical and utilization of the shared tools (Noll et al, 2014). Conversely, dermal exposure potential is mainly based on the frequency and period of the skin contact, size of the skin in contact with the prevailing chemical, concentration of the chemical and likelihood of retaining the chemical on the skin. TLV is applied in in the prediction of the quantity of chemicals all healthy personalities or worker can withstand without severe effects. STEL is utilized by employer is ensuring that no worker is exposed to an airborne concentration of the formaldehyde that exceeds two sections of the formaldehyde foe every million sections of air. NIOSH IDLH is the main source of the general industrial hygiene information for the employees, managers and corresponding occupational health professional in regard to the hazardous chemicals. These values are normally utilized by the EPA in the establishment of plans and response to the underlying uncontrolled releases of the hazardous chemicals (Noll et al, 2014). Moreover, aid in approximations of the exposure, offering of the vital information for assessing chemical release and taking appropriate protective

History of Religion Assignment Example | Topics and Well Written Essays - 1000 words

History of Religion - Assignment Example pecific mission generally their major focus was on advising people to mend their ways to achieve redemption through the Messiah they had been waiting for. They like Jesus himself were highly concerned about social justice and true devotion. 4). Jerusalem Temple for the second time was destroyed by the Roman legions at the time of Rehoboam the son of Solomon. Sadducees were one of the prominent groups of Jewish society who were bit orthodox and strictly followed the laws of the Torah. Essenes, the comparatively small sect of the Jewish society were located near the Dead Sea and to whom the ‘Dead Sea Scroll’ is attributed. Zealots were revolutionists who aggressively stood against the Roman dominance over Israel. 5). Orthodox Jews strictly adhere to the laws of Torah believing that all these books were written by God and handed over to Moses. Conservatives believe that only the ideas of the books were contributed by God but written by some chosen people; and therefore it contains some human elements too. According to the Reform Judaism, several races have involved in the process of compiling Torah. The movement retains the values and at the same time integrates with the modern culture. Reconstructionist Judaism approaches Jewish law as valuable aspect of Jewish culture rather than binding laws given by God. Hasidsm maintains that bonding with God is the ultimate goal of all studies of Torah; whereas Kabbalah is oriented on esoteric mystic doctrines. 6. The modern state of Israel was founded in 1948. Obviously it was for the first time Israel enjoyed freedom in its real sense. However, the state of Israel has been opposed by many Muslim states as they claim the ownership of some of the region. Jerusalem has been considered as a holy place by different religions including Judaism, Islam, and Christianity. 7). Mithra is the name of Zorastrian divinity. In many ways Mithra and Jesus are similar to each other. 1) Both said to have been visited by three wise men

Politics of Crime Research Paper Example | Topics and Well Written Essays - 250 words

Politics of Crime - Research Paper Example Of course, there is a general societal consensus that certain things are wrong and should be discouraged or criminalized, but for proponents of the Nanny State, the government should seize control of actions and issues where there is no consensus and unilaterally impose its view of morality on these issues. Why is this happening more and more these days? Many experts believe that in an increasingly complex world people are more willing to turn over power to the government in order to make their own lives easier. There is a sense the world can be and should be completely ordered and that government is the right body to do this. This is an unfortunate state of affairs as it tips the important balance between liberty and order far to the side of order. There are so many examples of this way of thinking that it is hard to know where to begin. One of the most shocking examples from recent years is the following headline: â€Å"Chicago Prohibits Foie Gras.† In 2006, Chicago city council voted to ban the delicious appetizer foie gras from the city’s restaurants. Proponents of the ban said the production of foie gras was inhumane. Opponents had a different view. "Government shouldnt be dictating what we eat," said the chef at one French restaurant. The Mayor too was unhappy. "We have children getting killed by gang leaders and dope dealers," he said. "We have real issues here in this city. And were dealing with foie gras? Lets get some priorities."1 These opponents are right. In an era where people expect to be coddled and protected from everything that could possibly harm, they are allowing things as personal as menu choice to be dictated by the government. If an individual does not like to eat foie gras no one will forc e them to eat it; but the Chicago city council went a step further by eliminating this choice completely and limiting the rights of those who do like foie gras. The Nanny State continues to expand, rolling

Care study Essay Example | Topics and Well Written Essays - 2750 words

Care study - Essay Example The Eskimos have a tradition wherein when a member of the family has reached an age where he or she is no longer an active participant of the tribe, the son or the closest member of the family is tasked to take him miles from the home and leave him in the freezing cold. Such practice, although barbaric, was accepted not only by the family member who has to do the form of euthanasia but also by elderly himself to be his fate. In simple logic, those who no longer contribute to the benefit of the family has lost his worth and must therefore accept the reality of death as promulgated by those close to him. The very thought of this scenario where an old person is left to die in frigid weather arouses disturbing thoughts in a humane perspective. The necessity to enforce that every person must be attributed with not only the quality of life but also the quality of death should be affixed to the elderly. The elderly psychiatry ward poses a professional challenge to the individuals assigned to it. But most importantly, it also yields the obligation to impart an emotional aspect to the care that they receive. Otherwise, rather than being treated as individuals, they may be deprived of the respect that is not entirely undue to them. There are a number of problems that arises in the nursing profession. One of such that persists is the ethical dilemmas that health professionals face in their career. Ethics, or in simple interpretation is the ability to distinguish between right and wrong is embraced in the moral conception of decision-making for individuals. Being professional is synonymous to doing the right thing that is good not only for the client but also for one’s own being. The Nursing & Midwifery Council’s promulgation of a Code of Conduct provides for set guidelines that must be met by nurses and midwives in their careers and their interaction with clients to ensure that they remain faithful to their oath. Rumbold (as