Graduation Speech :: Graduation Speech, Commencement Address

When I was in elementary school, I loved to read. I was a total nerd back then ... okay maybe I still am, but one thing has changed. Now I don't so much like reading. My favorite poet was Shel Silverstein, who wrote "Where the Sidewalk Ends." He seemed like he was a total hippie, but that's cool because I like hippies. My grandma is a recovering hippie. I like her too. Anyway, Shel Silverstein wrote about the coolest things. He wrote about magical erasers, eating whales and a boy with long hair flying away from people who were taunting him. He captured all of the things that I loved without knowing that I actually loved them. Now you may ask, how does this hippie relate to our graduation? Well, he wrote a poem entitled "Traffic Light" and this is how it goes: "The traffic light simply would not turn green So the people stopped to wait As the traffic rolled and the wind blew cold And the hour grew dark and late "Zoom-varuum, trucks, trailers, Bikes and limousines, Clatterin' by - me oh my! Won't that light turn green? "But the days turned weeks, and the weeks turned months And there on that corner they stood, Twiddlin' their thumbs till the changin' comes The way good people should. "And if you walk by that corner now, You may think it's rather strange To see them there as they hopefully gaze With the very same smile on their very same face As they patiently stand in the very same place And wait for the light to change." Last year I took Ms. Gilbert. A good chunk of you have as well. For those of you who didn't , if you looked around and saw pathetic-looking, sleep-deprived zombies, those were Ms. Abbott's victims ... I mean students. As a direct result of her class, I cannot do anything without finding symbolism in it. Darn her for making me find meaning in life. What a concept! The poem "Traffic Light" is dripping with symbolism. We, the class of 2003, have been standing at a traffic light.

Imprint

Sometimes people come into your life and you know right away that they were meant to be there, to serve some sort of purpose, teach you a lesson, to help you figure out who you are or who you want to become. You never know who these people may be, but when you lock eyes with them, you know at that very moment that they will affect your life in some profound way. Some people come into our lives and quickly go, while others move our souls to dance. They awaken us to new understanding with the passing whisper of their wisdom. Some people make the sky more beautiful to gaze upon. They stay in our lives for awhile, leave Imprints in our hearts,  and we are never, ever the same. These are the people who enter our lives with a unique lesson to teach us. And it is only through these lessons that we learn about life, people, relationships, and ourselves. So appreciate every moment and take from those moments everything that you possibly can for you may never be able to experience it again. Talk to people that you have never talked to before, and actually listen. Let yourself fall in love, break free, and set your sights high. Hold your head up because you have every right to. Look beyond the masks people wear if you want to know their heart, and remove your own masks to let people know yours. Tell yourself you are a great individual and believe in yourself, for if you don’t believe in yourself; it will be hard for others to believe in you. Everything is possible with heart and dedication. Try every thing once, there are times when we must quit something, but call it â€Å"letting go of loose ends. Communication is key, love with all your heart. Live the life that makes you feel complete, makes you happy, and makes you wake up every morning with a smile. There's always something to learn, someone to meet, and something extraordinary to tell. It's about finding a meaning and sharing a story. Create the person you want to be in this world and in this life, and share the experiences and lessons with others. Because you know, it’s never too late to have a life, and it’s never too late to change one.

Measuring and managing interest rate risks - Free Essay Example

Sample details Pages: 3 Words: 1046 Downloads: 7 Date added: 2017/06/26 Category Management Essay Type Narrative essay Did you like this example? Critically evaluate the re-pricing model, maturity model and duration model that are used by financial institutions for measuring and managing interest rate risk. Your answer should also indicate the method preferred by the BIS and the reasons why this is the case. Interest risk is the possibility of unexpected adverse changes in interest revenues and expenses. It can be shown that interest rate changes are unpredictable almost 100%. They depend on monetary policy; supply and demand, inflation etc. These in turn depend on many other factors. So how do financial institutions manage the risk of fluctuating interest rates give that they cannot predict it? The immunization of a portfolio against interest rate risk means that the portfolio will neither gain nor lose value if interest rates change. In this essay we will look at some of the different models used by financial institutions for managing interest rate risk. They are the re-pricing model, the maturit y model and the duration model. We will describe them and evaluate the comparative advantages and disadvantages each model assumes. Firstly we consider the re-pricing model. It is a balance sheet where assets and liabilities are grouped according to the time periods in which the different assets and liabilities are rate sensitive. Assets or liabilities are rate sensitive within a given time period if the values of each are subject to receiving a different interest rate should market rates change. These groupings are referred to as ‘maturity buckets’. Then ‘Gap analysis’ is conducted where the rate sensitive liabilities are subtracted from rate sensitive assets for each maturity bucket. This is called the GAP. It can be shown that GAP * interest change = net interest income (or profit) change or the interest margin. We can also calculate the cumulative gap(CGAP) by adding up the gaps in the brackets over a period of time, for example 1 year. As long as CG APlt;0, there exists a net negative effect of a rate increase on net interest income. For each moment in time CGAP * interest change indicates how much higher or lower at that moment the net interest income is. The idea is that the risk can be managed by reducing gaps in individual maturity ‘buckets’ towards zero by using different combinations of assets and liabilities of different maturities. The advantage of this model is that is simple to use. The disadvantages are that it is static. That is, it only uses current balances without taking into account possible growth or changes in activities. It captures a specific moment in time as if nothing else would change, but there will be a change because interest rate fluctuation continues. In addition the model assumes that all rate sensitive assets and liabilities follow the change in market interest rates 100% at their moment of re-pricing which is not always the case. Short-term assets may change faster than long-te rm assets and some financial contracts limit rate adjustment. If the chosen maturity buckets are too long, the re-pricing model may produce inaccurate results because there may be large differences in the time to re-pricing for different securities within each maturity bucket. Similarly, the maturity gap for a bank is the average maturity of the assets minus the average maturity of the liabilities within each maturity bracket. For a given change in interest rates, fixed-rate assets with longer-term maturities will have greater changes in price than assets with shorter maturities. We can immunise the balance sheet by matching the maturities of assets and liabilities. From the standpoint of the maturity model, if the average maturity of assets is 1.5 years and the average maturity of liabilities is 1.5 years, and then the FI has no interest rate risk exposure. A major shortcoming of the maturity and the re-pricing model is its neglect of reinvestment income on interim cash fl ows and the timing of the cash flows is likely to differ between the assets and liabilities. A duration model uses the maturity or re-pricing schedule but applies sensitivity weights to each time band. Such weights are based on estimates of the duration of the assets and liabilities that fall into each time band. Duration is a measure of the percentage change in the economic value of a position that will occur given a small change in the level of interest rates under the simplifying assumptions that changes in value are proportional to changes in the level of interest rates and that the timing of payments is fixed. An average duration is assumed for the assets and liabilities within each maturity bracket. The average durations are then multiplied by an assumed change in interest rates to construct a weight for each time band. The weighted gaps are aggregated across time bands to produce an estimate of the change in net interest income for the bank. The BIS, an international or ganisation for central banks and other agencies in pursuit of monetary and financial stability, regularly publishes reviews and guidelines for financial institutions. It advises that estimates derived from a standard duration approach may provide an good approximation of a banks exposure to in interest rates for relatively non-complex banks. However, for more complex banks it advises modified models that relax some assumptions of the standard duration model such as the linearity between percentage changes in value and percentage change in market interest rate and the assumption that cash flows are fixed, which is an important limitation of standard duration models. Foe example an institution could estimate the effect of changing market rates by calculating the precise duration of each asset and liability and then deriving the net interest income for the bank. The answer is the based on more accurate duration measures. More complex models are available, such as various simulations based on predicting the future interest rate movement using Monte Carlo simulations and which take into account various other factor such as consumer behavior, for example, and attempts to model it. The BIS warns that these models, while more comprehensive require more care and are only as good as the assumptions used. They advise effective management and frequent re-assessment of assumptions underlying the model. Sources. https://www.frbsf.org/publications/economics/letter/2004/el2004-26.html https://www.few.eur.nl/few/people/smant/a1609/notes/c4_fininst2-riskintr.pdf https://www.bis.org/publ/bcbs108.pdf Don’t waste time! Our writers will create an original "Measuring and managing interest rate risks" essay for you Create order

Critical Reflection on the Hidden Influence of the British...

Introduction When someone becomes a member of the Parliament, he has to swear an oath of allegiance to the Crown, instead of swearing loyalty to the people who elected him. If he rejects to do so, that politician will not be able to take his seat and can also be fined. Same happens with judges and other public servants in the United Kingdom, who are, even if symbolically, servants of the Crown. This, however, is just a small visible end of the real power that the British –constitutional- monarchy holds over public employees. Since the limitation of powers of the Crown in the XVII century the royals have been using their forceful influence in an unofficial way for their own benefit (Adams, 2010; Booth 2010 and 2011; Wilson, 1989). Taking†¦show more content†¦Until the XVII century British monarchs had absolute power, which meant they had the right to do anything he wanted as they had been appointed by God. However, after a century of bloody civil wars, unrest and political tensions -including the execution of Charles I, the Revolution of 1688, the rise and fall of a Republic and the restoration of the monarchy- the Parliament passed the Bill of Rights in 1689 (Stoyle, 2011). This document established the first foundations of constitutional monarchy, that is, a monarchy whose powers are bound by some written and unwritten legal documents in favour of a more democratic society and ensuring their political impartiality (Wilkinson, 2006). Thanks to the Bill of Rights the Parliament were able to legis late, rule and elect members of the Parliament without the Royal interference needed until that moment. Since then, the British political system has developed giving more power to the Parliament to the detriment of the Crown. The Royal powers have been limited to â€Å"the summoning, proroguing and dissolution of parliament; the granting of royal assent to bills; (†¦) the making of treaties, the declaration of war and the making of peace† as well as to appoint ministers, judges and other public servants among other rights. The Sovereign also has the privilege of personal immunity. (Maer and Gay, 2009, p.4). All these powers, though merely â€Å"symbolic† have a huge potential power. Certainly, the Queen has never either dissolvedShow MoreRelatedThe Iranian Revolution and Islamic Movements in the Twentieth Century2793 Words   |  12 Pagesa republic. In the revolution, not only secular laws were substituted with Islamic codes of law but political and military leaders in the shah government were expelled and a new elite group emerged. However, the Iranian revolution was a part of reflection of deep crisis of the entire Middle Eastern states in the 1970s. The states of the region failed to bring social justice, economic stability, and the end of imperialism; these unfulfilled aspirations, along with the authoritarian tendencies of theRead MoreEighteenth Century English Literature5838 Words   |  24 Pagesthe new class, the bourgeoisie, and the old forces of feudalism brought about the English Bourgeois Revolution in the 1640s. As a result of the revolution the king was dethroned and beheaded and England was proclaimed a republic. Though very soon monarchy was restored, the position of the bourgeoisie had changed. The 18th century saw Great Britain rapidly growing into a capitalist country. It was an age of intensive industrial development. 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Performing strategic and tactical planning activities in advance of taking action is considered critical for long-term marketing success. Identify - Arguably the most important marketing function involves efforts needed to gain knowledge of customers, competitors, and markets. We will see throughout this course material how marketing research is utilized

Beloved by Morrison Essay - 1149 Words

Beloved by Morrison Beloved is the tale of an escaped slave, Sethe, who is trying to achieve true freedom. Unfortunately, though she is no longer in servitude to a master, she is chained to her hainted past. Morrison effectively depicts the shattered lives of Sethe, her family, fellow former slaves, and the community through a unique writing style. The narrative does not follow a traditional, linear plot line. The reader discovers the story of Sethe through fragments from the past and present that Morrison reveals and intertwines in a variety of ways. The novel is like a puzzle of many pieces that the reader must put together to form a full picture. Through this style, which serves as a metaphor for the broken lives of her†¦show more content†¦About twelve yards beyond that nigger was another oneÂâ€"a woman with a flower in her hat. Crazy too, probably, because she too was standing stock stillÂâ€"but fanning her hands as though pushing cobwebs out of her way (175). By telling the narrative from so many points of view, Morrison is able to connect the lives of her characters through shared memories, memories that bind people together in a shadowed present. The memories become even more haunting and real, when Morrisons characters depart from traditional story-telling and reveal their stories through stream of consciousness or verse. In book two, Sethe remembers dramatic episodes from her life in bits and pieces, through thoughts and emotions. Morrison even types the text in a disjointed way with unusual spaces between sentence fragments. Sethe also speaks to Beloved in verse, but within the text the voices of Beloved and Sethe become one. You are my face; I am you. Why did you leave me who am you?; I will never leave you again; Dont ever leave me again; You will never leave me again; You went in the water; I drank your blood; I brought your milk (256). Another literary device Morrison uses is the flashback. She writes in a style similar to t he way Quentin Tarantino directs movies, with powerful flashbacks clouding the distinctions of time. Sethes memories of the murder of Beloved, being raped, having her breast milk taken from her, and herShow MoreRelatedBeloved, Beloved By Toni Morrison1774 Words   |  8 PagesToni Morrison’s novel, Beloved, Beloved is an enigmatic character. Throughout the novel, it is implied that Beloved is a reincarnation of Sethe’s dead child. However, Beloved is not just a physical embodiment of Sethe’s dead baby. Instead, Beloved is a representation of slavery and the suffering associated with slavery. Morrison displays that Beloved is a representation of slavery by the conversations and thoughts characters have about Beloved. 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Novels such as Beloved by Toni Morrison blend the slave narratives with fiction highlight the life after slavery and the struggle faced by former slaves to adjust their lives to freedom. According to Paul E. Lovejoy’s ‘Freedom Narratives’ of Transatlantic Slavery, he states thatRead MoreBeloved, By Toni Morrison Essay1576 Words   |  7 PagesMorrison’s novel Beloved, I could not help but feel shocked and taken aback by the detailed picture of life she painted for slaves at the time in American history. The grotesque and twisted nature of life during the era of slavery in America is an opposite world from the politically correct world of 2016. Morrison did not hold back about the harsh realities of slavery. Based on a true story, Toni Morrison wrote Beloved about the life of Sethe, a slave and her family. Toni Morrison left no stone unturnedRead More`` Beloved `` By Toni Morrison Essay1726 Words   |  7 Pages Distinguished African-American novelist, Toni Morrison, in her notoriously suspenseful anachronic masterpiece, Beloved, tells the story of a fugitive slave named Sethe who escaped from the Sweet Home plantation in Kentucky to Cinc innati, Ohio, a free state. She lives freely with her husband’s grandmother for twenty-eight days until the slave masters come to capture her. Frightened, she attempts to murder all of her children to prevent them from living a life of dehumanized servitude but only succeedsRead More`` Beloved `` By Toni Morrison2097 Words   |  9 Pages â€Å"Beloved† by Toni Morrison is a historical/fictional novel that deals with the idea of the supernatural and the repercussions of slavery towards a society and the individual persona. The novel explores the wreckage slavery brings upon its characters in all senses of the self. They have been freed from slavery but the psychological trauma endured remains constant; leading them to do the unthinkable. In the novel Morrison utilizes the character of Beloved to represent the ghost of slavery in anRead MoreToni Morrison s Beloved And Beloved1376 Words   |  6 PagesToni Morrison brings another surprise to the story of Beloved. The addition of character Beloved conceals whole meaning Morrison tries to conduct to the readers. So far, character Beloved is portrayed as an innocent, pure, yet egotistic girl. Beloved also presumably the incarnation of Sethe’s dead baby, whose tomb is engraved Beloved. Morrison offers supernatural element in the story to create mysterious an d spooky atmosphere, which raise curiosity and excite readers even more. Beloved is seenRead MoreBeloved by Toni Morrison622 Words   |  3 Pages In the novel Beloved by Toni Morrison, Morrison has created two very powerful characters: Denver and Beloved. Denver and Beloved are sisters, but in a sense, they werent always. It used to just be Denver and her mother, Sethe, that lived together in a house. That house was passed down to them by Denvers grandmother, Baby Suggs, which was given to her by a white couple who were out to help the blacks. Sethe and Denver were very content with the way things were. Sethe had a paying job as a cookRead MoreBeloved by Toni Morrison2137 Words   |  8 PagesToni Morrison explores the idea of slavery through her novel, Beloved, by using a variety of literary techniques and postmodern concepts. The idea of the rememory is a major theme throughout the novel that Toni Morrison uses to introduce the lives of Denver and Sethe and the idea of slavery. Rememory is the act of remembering a memory that happened in the past. Be loved, depicted as a ghost, exemplifies the idea of rememory for Sethe because she brings back many memories to Sethe’s mind. ThroughoutRead MoreBeloved by Toni Morrison769 Words   |  3 PagesBeloved is the character who lends her name to the title of Morrison’s novel, isnt really a flesh-and-blood character at all, she’s is a ghost. It is this fact that makes the presence of the character a symbol in terms of her effect on the narrative and the other characters so profound. For a ghost, Beloved exerts a ton and control over most of the characters, affecting nearly every part of their lives, their ability to live in peace, their ability to love one another, and to move on with their

How to Be a Football Player Free Essays

How to be a Football Player Football has always been America’s natural past time. Many fans love watching football but do not realize how hard it is to prepare for a football season. Most fans think the players just show up on the one day and perform. We will write a custom essay sample on How to Be a Football Player or any similar topic only for you Order Now This belief is completely false. Preparing for a football season requires much preparation. The preparation for most football players usually includes working on strength, conditioning, and fundamentals of the game. These steps are necessary for football players to have a successful season. These steps have proven to be a valuable aid in helping players such as myself prepare for the season. I believe these steps are the basic steps to becoming a great Football player. The first step to becoming a great football player is working to improve your conditioning. Conditioning is basically a way of improving your body’s endurance resistance and overall athleticism. To improve your conditioning you start off running for multiple times daily. Every second of the day you spend running your increasing your athleticism and the condition your body is in which is a very valuable concept in any sport. The more u condition the more your body will be able to endure and endurance is a big part in football if you plan to stay on the field. By increasing the condition your body is you will have set your self up in improve your physicality, endurance, and mentality. Next, you should start working out using weights to improve your chances for success in the upcoming season. I believe that this step puts you ahead of the other athletes. A strict weight training schedule has allowed many athletes to stay in top shape throughout the years. This second step is imperative to becoming a successful football player is by increasing your strength. Strength is just important as conditioning because football is game of physicality. To improve your strength you can start off with push ups dips and sits to get your body toned up. After toning your body that’s when you start lifting weights to build lean muscle instead of toning up your muscles. Weights lifting include exercises such bench press, squats, and leg presses etc. Every work out in the weight room improves different parts of the body like you chest, calves, triceps, biceps, forearms etc. By working on all these body parts different days of the week such as Mondays, Wednesday, and Fridays you will continue to develop strength and your body mass. The final step in preparing for the upcoming season and being successful in football is being prepared mentally. Being mentally prepared consists of four things concentration, confidence, control and commitment. Football requires concentration because you have to be able to focus on the task that is at hand. Football requires confidence because you have to believe you achieve a certain goal then go achieve it. Control is also a part of the mental process because an athlete’s ability to maintain control of their emotions in the face of adversity and remain positive is essential to successful performance. The fourth and final asset of the mental process is commitment, there is an insurmountable amount of things you have to remember in football and a football players performance depends on the athlete being fully committed to the game and his team if the player plans on being successful at the game. As much emphasis as athletes put on the physical aspect of the game the mental part is just as important. Football Consist of plays, assignments, coverage’s and a thousand other things that you have to be cognizant of. In conclusion, I feel that preparing to be a great football player requires much preparation. It’s not enough to just play the game you have to understand the game and how much dedication and preparation goes into the game. You have to have a great amount of endurance, strength, speed and commitment to play this sport. Once you connect all of the pieces to the puzzle you will be a football player. How to cite How to Be a Football Player, Essay examples

Databse design Draw Entity Relationship Diagram

Questions: 1.Use the symbols as prescribed in your unit-textbook to draw the ER diagra? 2.Provide assumptions and business rules relevant to your ERD? 3.Map your Entity Relationship diagram (ERD) into relations and make sure that all the relations are in 3NF? Anwers: Identification of Entities Medical specialists Consultations Procedures Patients Appointments General medical practitioner (GPs) Medical history Tests Prescription Charges Invoice Identifying Attributes of the Entities 1.Medical specialists Specialist ID Specialist First name Specialist Last name DOB Contacts Address 2.Consultation Consultation ID Referral letter Specialist ID Specialist remarks 3.Patient Patient ID Patient Name Gender DOB Phone number Telephone Address Comments 4.Medical history Patient ID Past surgeries Current medicines Current dosage Medication allergies 5.Booking Booking ID Patient ID Date of booking Appointment ID 6.General practitioner Medical Provider Number Name Contact number Address 7.Referral Letter Letter ID Notes Medical Provider Number 8.Test Test ID Test description 9.Procedure Procedure ID Procedure description 10.Prescription Prescription id Description 11.Appointment Appointment ID Patient ID Specialist ID Phone call Personal visit 12.Invoice Invoice number Appointment ID Total charges 2: Business Rules and assumptions The general practitioner may issue one or more referral letters. Many referral letters may be issued by one general practitioner. One patient may have many referral letters while many referral letters may belong to one patient. One patient may have one or more medical history reports. Many history reports may belong to one patient. One patient may make one or more bookings for appointment while many bookings may be made by one patient One booking makes only one appointment while one appoints has only one booking One appointment may result to many invoices while many invoice which each invoice must be attached to an appointment Each appointment must have one or more consultation while each consultation must have an appointment Each appointment may have one or more tests while each test must have an appointment Each appointment may have one or more prescriptions while each prescription must have an appointment Each appointment may have one or more procedure while each procedure must have an appointment 3: Logical design in 3NF Medical specialist (SpecialistID, Specialistname, DOB, Contacts, Address) Consultation (ConsultationID, ReferralletterID, SpecialistID, TestID, ProcedureID, PrescriptionID, AppointmentID, Specialistremarks) Foreign key (ReferralletterID) references Referral Letter (ReferralletterID) Foreign key (SpecialistID) references Medical specialists (SpecialistID) Foreign key (TestID) references Test (TestID) Foreign key (ProcedureID) references Medical specialists (ProcedureID) Foreign key (PrescriptionID) references Prescription (PrescriptionID) Foreign key (Appointment) references Appointment (AppointmentID) Patient (PatientID, PatientName, Gender, DOB, Phonenumber, Telephone, Address, Comments) Medical history (PatientID, Pastsurgeries, Currentmedicines, Currentdosage, Medicationallergies) Foreign key (PatientID) references patient (PatientID) Booking (BookingID, PatientID, Date of booking, AppointmentID, SpecialistID) Foreign key (PatientID) references patient (PatientID) Foreign key (AppointmentID) references Appointment (AppointmentID) Foreign key (SpecialistID) references SpecialistID (SpecialistID) General practitioner (MedicalProviderNumber, Name, contactnumber, address) Referral Letter (ReferralletterID, Notes, MedicalProviderNumber) Foreign key (MedicalProviderNumber) references general practitioner (MedicalProviderNumber) Test (TestID, Testdescription) Procedure (ProcedureID, Proceduredescription) Prescription (PrescriptionID, Description) Appointment (AppointmentID, PatientID, SpecialistID, time, duration) Invoice (Invoicenumber, Appointment ID, Totalcharges) Foreign key (Invoicenumber) references invoice (Invoicenumber) References Buxton, S. (2009).Database design. 1st ed. Amsterdam: Morgan Kaufmann Publishers/Elsevier. Demba, M. (2013). Algorithm for Relational Database Normalization Up to 3NF.International Journal of Database Management Systems, 5(3), pp.39-51. Garmany, J., Walker, J. and Clark, T. (2005).Logical database design principles. 1st ed. Boca Raton, Fla.: Auerbach Publications. Howe, D. (2003).Data analysis for database design. 1st ed. Oxford [u.a.]: Butterworth Heinemann. Shoval, P. and Even-Chaime, M. (2012). Database schema design: an experimental comparison between normalization and information analysis.ACM SIGMIS Database, 18(3), pp.30-39. Watt, A. and Eng, N. (2014).Database design. 1st ed. [Place of publication not identified]: [publisher not identified].