LITERARY ESSAY Example | Topics and Well Written Essays - 500 words

LITERARY - Essay Example Through the worst natural scenario around her, the narrator implicitly communicates her own state of seemingly unbearable emotions which have kept her immobile. No particular reference to determinate feeling is incorporated, perhaps to allude that the woman who finds herself under circumstances of deep thought and heaviest of emotions would most probably cease from moving on as she perceives that nothing can remedy her hopeless case. Without having to state concrete information of her experience, the speaker is made to utilize the imagery in her environment for readers to understand that all internal affairs whether of the mind or of the heart are way beyond the horrible externals. Such is vivid with each stanza that contains sharp images of frightening wilderness or tragically climatic landscape. Bronte eventually delivers this impact by designating alliteration to relevant phrases in â€Å"wild winds† and â€Å"bare boughs†. She even renders personification in describing the ‘spell’ the woman is bound with via the third line stating â€Å"But a tyrant spell has bound me.† This then justifies the closing of the first stanza where the speaker concludes that she ‘cannot go’, implying how intense the binding spell is that there is apparently nothing about the ‘darkening night’ or the ‘cold wild winds’ that would make her divert to abolishing the spell from within or step out of it. With ABAB CBCB ABAB rhyme scheme, â€Å"Spellbound† is structured in a literary style that possesses a pattern of symmetry. In this manner, the audience can fluidly engage in the main theme becoming convinced to settle at the point of ascertaining the person’s weakness to break away from an invisible control of fate. To arrive at the most definite less startling decision which goes â€Å"I will not, cannot go† for the finale, Bronte exhausts to the imagination’s advantage much of the tangible

Gambling Essay -- essays papers

Gambling As time marches on into the twenty first century, gambling has become an increasing problem in the United Sates. The continuing problem has hurt the lives of many often leading to actions such as suicides. The problem with gambling today is it is not taken as a serious problem by the American world. According to Richard Wilhelm, it is thought of as â€Å" a recreational hobby that has little negative affects†(2). Little does much of the public know that gambling is a serious addiction that can completely take over your life. It is a problem that is continuing to increase yet people have no idea the permanent damage it can cause on a person’s life. Our job is to inform people of the dangers of gambling and create a solid awareness so that this problem can be dealt with in a proper way. Unfortunately not every one feels as if we must spread the word about the dangers of gambling. Local governments are firm believers in leaving the system the way it is. It is estimated that the city of Las Vegas takes in well over a billion dollars each year throughout their casinos(1). They then use the money to build up a city that opens up both job opportunities and cheaper housing(1). Las Vegas brings up an interesting argument that benefits its city but they forgot to mention what it does to the people that live in their city. You can have the most beautiful city in the world but if people in your city are losing their life savings and killing themselves, a discussion must take place. To often with gambling, big time governments think only of the money that is coming but not how it is coming in. This is exactly what happens with gambling. Money is brought in at will in areas that contain a number of casinos. However, the money that is brought in is not honest money or hard earned money. â€Å"Governments live off the ten percent of the American population that are compulsive gamblers(2).† It is estimated that nearly one in every ten individuals today are compulsive gamblers. One thing people don’t realize is how serious compulsive gambling is. I personally am one who suffered through a great deal of distress to my addiction to gambling. People think compulsive gamblers are weird and messed up low life’s who have nothing better to due with their time. The average person thinks that there is no way he or she would ever be stupid enough to get to the point whe... ...ation is a vital part of our world and without it, we cannot know from right or wrong. If someone doesn’t tell you anything at all, you would never know the possible dangers that lurk. Before people knew about the dangers of smoking, nearly fifty percent and up of the population smoked. Now DARE programs have been set up to teach kids that this is wrong. All over the news, we here stories of alcohol related incidents as well as people over dosing on drugs. However, how often is it we here about that guy who dropped his life earnings in a night and Vegas and shot himself to death? Unfortunately we don’t. Therefore we are not able to protect our children and ourselves against what quite possibly be the fast growing disease out there. Information is the gateway to which we base our decisions on everyday, however without it we seize to know. NBC runs fifteen second clips about how knowledge is power. We need to get into the faces of the media and protest the governmentà ¢â‚¬â„¢s stance on this issue so as our children grow they will realize the dangers of gambling and not just alcohol and drugs. We have the knowledge; all we have to do is proclaim it so that the world can know how this works.

US Bank Corp. Analysis

The two Institutions chosen or comparison are Wells Fargo (WFM) and Bank of America (BACK). To evaluate the overall strength the major assets, liabilities, capital, risk, liquidity and operating decisions of the three chosen institutions will be discussed. Balance Sheet Analysis Out of the three banks US bank is the smallest in regards to assets with Bank of America being the largest followed by Wells Fargo. When comparing total assets to total liabilities USB finds itself in the weakest position having a total debt to total assets ratio of 0. 11 . Commercial banks are known to leverage themselves highly and leverage Is normal in the Industry.However In comparison to BACH'S ratio of 1 . 124 and Wife's ratio of 0. 89 this relatively high leverage Is a cause for concern. Federal Deposit Insurance Corp†¦ Chairman Sheila Fair has advocated for the US Bank to reduce their leverage to half believing that their financial position poses too great a risk. The industry averages for long t erm debt to equity and total debt to equity ratios are 64. 36 and 177. 19 respectively. In respect to this, US Bank finds itself taking the middle ground between Wells Fargo and Bank of America. Wells Fargo seems to be In equity ratio of 84. 6, well below the industry average. The most indebted institution would be Bank of America who's ratios of 120. 09 and 249. 67 are well above the industry average. US Bank in comparison has a long term debt to equity ratio of 67. 93 which is right around the industry average while their total debt to equity is far below it at 139. 98. Despite being in good position relative to the industry and the two chosen similar financial institutions in these metrics, this indicator should be held with skepticism as many believe that all commercial banking institutions are unreasonably leveraged.One of the reasons for US Banks highly leveraged position ay lay in the management's decision to acquire more banks through IBID-assisted deals. It is stated that, â€Å"In total, the firm has acquired $35 billion of banking assets through these deals at minimal costs. † Though these deals have been stated to be not significant enough to pose such a threat. They are still campaigning to acquire even more assets. Assets All three companies have real estate loans as their largest asset category. This includes residential loans, commercial real estate, and other loans secured by farmland.These loans can be considered safe as they are secured with liens on the reporter however they are illiquid and would be considered a long term asset. Wells Fargo has the largest amount of real estate loans as a percentage of their assets at 35. 81%, followed by US Banks 32. 18% and finally Bank of America's far smaller 20. 97%. All the banks second largest assets are debt securities over one year and they all have similar sizes as percentage of total assets. Commercial and industrials are the third largest asset for Wells Fargo and US Bank and they hold s imilar sizes as percentage of assets.Bank of America's third largest asset however is trading assets which should be more marketable. Much of the securities held by US Bank are not held for sale which makes them susceptible to interest rate risk. It is unclear how much of the banks loans use a floating interest rate but we can assume which would better help determine the risks involved. With US Banks fairly high percentage of real estate loans and commercial and industrial loans which are usually long term these risks to the bank are significant. The largest liability for the three financial institutions are interest bearing deposits.Wells Fargo holds the largest proportion at 50. 14% followed by US Bank at 47. 70% and then Bank of America at 32. 0%. US Bank holds and Wells Fargo have similar proportions of this liability. While these liabilities accrue interest the banks do have to expect frequent cash outflows from this. The three banks third largest liabilities are interested-bea ring deposits with US Bank having the largest proportion of 23. 36%, followed by Wells Fargo at 21. 93% and Bank of America at 18. 97%. These proportions seems relatively similar to each other but with US Banks higher proportion they should be weary.These interested bearing accounts are likely to be checking outs and while they do not accrue interest you can expect frequent editorials from customers which should keep them weary of loaning out too much money. Finally all three banks have listed other borrowed money as their third capitalized leases. Bank of America has the largest proportion of 14. 24%. Next is US Bank with 13. 66% and then Wells Fargo with 9. 62%. These proportions also seem quite similar too each other. Interest Revenue, last Quarter US Bank largest source of revenue is on fully taxable income on loans and leases at 44%.This proportion is comparable to Bank of America that accounts for 41% of their revenues. What is surprising is the large mount of revenue Wells Fa rgo receives from interest and fees on which accounts for 76% of their revenues. While US Bank only receives 42% of its income in the same category. Interested Revenue, Last Quarter The largest sources of interested income for the chosen financial institutions vary greatly which makes it difficult to compare US Banks position in comparison to the other financial institutions.The largest category listed in sources of interested income for US Bank was stated as unspecified at 18% and 19% for Wells Fargo. The largest source for Bank of America is investment banking fees and commissions. Expenses Last Quarter Largest Expenses US Bank amount % of expenses Interest on other borrowings & trade Lab 987,000 2 Interest on time deposits Cash from operating activities has been steadily increasing which is a good sign but so is cash from financing activities which is much larger. As commercial bank it can be expected that they finance their operation with a significantly large portion of debt. H owever in combination with their highly averaged position with their competitors this could be a cause for concern in their financial viability. Corporate Risk Profile: As a company that operates in the financial services, U. S. Banks largest exposure of risk comes from credit risk, operational, residual value, interest rate, market, liquidity and reputation risk.U. S. Bank has spent many years working to perfect managing these risks. For credit risk, U. S. Bank has incorporated â€Å"well-defined, centralized credit policies, uniform underwriting criteria, and ongoing risk monitoring and review processes for all commercial and consumer credit exposures† (SEC. Gob). US Bank has developed a very strenuous and extensive procedure in order to evaluate the credit risk that it handles on a day to day basis. Another way US Bank manages its credit risk is â€Å"through diversification of its loan portfolio and limit setting by product type criteria and concentrations† (SEC.Go b). US Bank divides its overall loan portfolio into three separate segments to, following the â€Å"don't put all your eggs in the same basket† theory. The three portions of the portfolio consist of commercial lending, consumer lending and covered loans. The risks associated with commercial lending include a rarity of factors including many risks associated with the borrower's business such as industry, geography, the loan's purpose, how the borrower will repay, debt capacity among others.In order to prioritize these risks and keep them all organized, US Bank assigns risk ratings to these characteristics in attempt to create the ability to focus on specific risks depending on importance. As far as the consumer lending sector goes, this encompasses â€Å"residential mortgages, credit card loans, and other retail loans such as revolving consumer lines, auto loans and leases, student loans, and home equity loans and lines† (SEC. Gob). The risk characteristic of this secti on of the portfolio is focused on the borrower and their keenness to pay off the loan as well as prior repayment history.The 3rd portion of the loan portfolio is the covered loan segment. Before touching on the risk of this venture, it must first be noted that there are loss sharing agreements between US Bank and the IBID that ultimately â€Å"reduce the risk of future credit losses to the company' (SEC. Gob). The risks that are associated with covered loans are â€Å"consistent with the segment they would otherwise be included in had the loss share coverage not been in place† (SEC. Gob). Another important aspect of US Bank to take into account is the sub-prime lending side of the banking industry.

The Placebo Effect History, Biology, And Ethics

The term â€Å"placebo effect† has been defined in many forms since the early Biblical era. According to Dr. Patrick Lemoine, author of, â€Å"The Placebo Effect: History, Biology, and Ethics,† stated that the term â€Å"placebo effect† was actually derived from a mistake made from the translation of the Bible into Latin by a gentleman whose name was Jerome (Lemoine). During the early parts of history and when the Bible was in the midst of being translated, Psalms 116:9, was written as Placebo Domino, meaning â€Å"I shall please the Lord,† instead of, Ambulabo coram Domino, meaning â€Å"I shall walk before the Lord† (Lemoine). Families of the 13th century, during the time of bereaving for a lost loved one, would be found chanting this verse. They called it the Office of the Dead and would chant this Psalm over and over again, while in a praying circle, and in mourning for the lost loved one (Lemoine). During the 16th century, the term was changed somewhat, and was used as form of confusion for the people who were claimed to have been possessed. At this time it was called the â€Å"placebo relic† (Lemoine). When a person was found to have been so-called possessed, they would be given false relics, or something to have been claimed that belonged to a saint or someone who was seen in reverence and honor from an earlier time of history. The possessed person would than act as if it really did belong to this saint or reverenced person, and then would go into seizure like convulsions as if they were shakingShow MoreRelatedMad Americ Bad Science, Bad Medicine, And The Enduring Mistreatment Of The Mentally Ill1472 Words   |  6 PagesMentally Ill. 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