Rhetorical analysis Essay Example | Topics and Well Written Essays - 1000 words - 1

Logical investigation - Essay Example The article is planned for examining the English as the overwhelm worldwide language and, additionally goes about as an answer to review contentions guaranteeing that that position ought to be held by dialects spoken by numerous individuals, for example, Mandarin. The journalists start the article with the previously mentioned however instigating question, and guarantee in the postulation articulation to clarify what a worldwide language is and how English got one. This acquaintance presents with set up the peruser for the thoughts of the author and makes an impression of an all around considered and composed article. The primary post proposition passage analyzes and scatters mainstream predisposition about a worldwide language, implying Crystal’s book â€Å"English as a second language† wherein he places that a language doesn't increase worldwide relevance dependent on the extent of words or natural structure, or social and exacting affiliations. The scholars likewise refers to Goh and Liam (Globalization of Language and culture in Asia) who found that the quantity of local speakers isn't a deciding element since had this been the situation Mandarin and Hindi would be viewed as worldwide dialects. The author in this manner develops their contention by taking out these observations and makes anticipation as they at long last uncover what standard decides this. They contend the status of the speakers is the principle highlight in giving a language worldwide pertinence; this is sponsored up by global acknowledgment of the language and the quantity of second language speakers on the planet. â€Å"The status of the local speakers that assume a major job in raising the status of their language† (LCOM) It is striking that the scholars of this article have suggested two scholastic journalists of notoriety and along these lines they make believability for their work by introducing their points of view. Besides, just by prudence of the way that they have refered to and recognized makes it obvious to any individual who may have associated with the earlier works that the bloggers have scholastic respectability by giving credit where it is expected. Utilizing these contentions, the authors can outline a legitimate perspective with respect to why English is a worldwide language, take the main situation on the status of the individuals. In the event that one seeks after Historical contemplations and utilizes coherent reasoning, these contentions are to a great extent demonstrated sound. Most African nations communicating in English were colonized by the British, and the status of the British as pilgrim aces required that a greater number of locals learn and utilize English than the English to learn and utilize the nearby dialects. Indeed, even English sooner or later in history was consigned to lack of definition by Latin and French when the two were in their own occasions utilized by the Romans and Normans separately in deference, legitimate and strict fields by the victors. Be that as it may, when the English speakers took over force and unavoidably status, it normally followed that the remainder of the world would toe the etymological line. A similar case applied to India and Hong Kong where English is generally utilized in spite of being a subsequent language. The case about global acknowledgment is additionally one that is effectively approved coherently, the more individuals perceive a language universally, and the more probable they are to learn it as a subsequent language. This further explains the position the English language since; it is the language, which numerous speakers communicate in as a subsequent language. Truth be told, the quantity of the individuals who communicate in English language are just found in a couple of nations North America,

Article Writing about FingerID Example | Topics and Well Written Essays - 1000 words

Expounding on FingerID - Article Example echanism of confirmation likewise propels the client to recollect various passwords for numerous records since it is exceptionally perilous to keep up a similar secret key for all records. Another verification system has been suggested that will spare the client from the problem of recollecting numerous passwords and give successful security to the web administrations FingerID. FingerID verifies the clients based on their enlisted fingerprints and give single sign-in to different records. The headway in the web innovation has empowered a huge number of organizations to offer their administrations on the web. The accessibility of the administrations draws in the clients to use them however urges the clients to make online records. This outcomes within the sight of user’s individual data at various spaces and associations on the web and numerous login accreditations for the client. Each association probably won't be following dependable safety efforts to defend the client data along these lines making security and protection dangers for the clients. A few associations convey safety efforts for the capacity of their information yet neglect to focus on the security instruments dealing with the trading of information from one source to the next. The user’s data may be utilized for malignant purposes and result in personality burglaries. The disseminated idea of data expands the odds of unseemly utilization. Another issue that is confronted with the current web administrations is the absence of ease of use and availability. Convenience makes the web experience progressively advantageous for the client and availability presents highlights and functionalities for clients with handicaps. A large portion of the web administrations don't observe the guidelines that are intended to guarantee the accessibility of openness and ease of use on the sites. These measures help the engineers and architects assess their sites as for the convenience and openness angles and to guarantee that their clients don't confront any trouble in

Can MDMA Be Used to Treat PTSD

Can MDMA Be Used to Treat PTSD PTSD Treatment Print Can MDMA Be Used to Treat PTSD? By Naveed Saleh, MD, MS twitter linkedin Naveed Saleh, MD, MS, is a medical writer and editor covering new treatments and trending health news. Learn about our editorial policy Naveed Saleh, MD, MS Medically reviewed by Medically reviewed by Steven Gans, MD on January 20, 2020 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Medical Review Board Steven Gans, MD Updated on February 10, 2020 Post-Traumatic Stress Disorder Overview Symptoms & Diagnosis Causes & Risk Factors Treatment Living With In Children Peter Dazeley / Photographers Choice / Getty Images When most people hear MDMA, they think of illicit and adulterated preparations of the club drug sold as Molly or ecstasy.  In reality, however, these street versions often contain adulterants and little or no of the active ingredient 3,4-methylenedioxymethamphetamine (MDMA).   Although ecstasy has been linked to long-term neurological effects and even deathâ€"associations that some experts disputeâ€"MDMA has proven safe and non-addictive in some clinical studies. Moreover, MDMA may be effective when combined with psychotherapy to treat PTSD. Treating PTSD Post-traumatic stress disorder (PTSD) is a disorder that results from exposure to a traumatic experience like a life-threatening event, natural disaster, or violence.  People with PTSD live in a state of hyperarousal and often re-experience the event that triggered their PTSD in the form of flashbacks or nightmares. They also experience mood alterations, trouble sleeping, and more. Its estimated that up to 23 percent of U.S. veterans returning from Iraq and Afghanistan have PTSD. Its notoriously difficult to treat PTSD. There is some evidence that SSRIs (antidepressants like Zoloft or Paxil) may help treat PTSD. Additionally, psychotherapy including prolonged exposure and cognitive-processing therapy have proven effective in treating people with PTSD; however, many people end up dropping out of psychotherapy. How MDMA Can Work With Psychotherapy For people with PTSD, psychotherapy can be difficult because psychotherapy requires a patient to recall the triggering event. Some experts claim that MDMA administered before psychotherapy can reduce anxiety, reduce hypervigilance and increase relaxation all while keeping the patient motivated and engaged. MDMA can increase empathy between a patient and therapist and inspire the patient to think about their problems in new and innovative ways thus contributing to insight. According to Ben Sessa and David Nutt, authors of an article titled Making a medicine out of MDMA, during psychotherapy, MDMA helps the patient to reach a position of empathic understanding and compassionate regard is part of their resolution and remittance of symptoms. The nuanced effects of MDMA are attributable to the drugs unique biochemical properties. Specifically, MDMA affects serotonin, dopamine and alpha-2 receptors as well as increasing the release of oxytocin. This release of oxytocin may facilitate bonding and empathy. In a first-of-its-kind study, 85 percent of participants taking MDMA during a placebo-controlled study no longer were diagnosed with PTSD after three sessions of MDMA-assisted psychotherapy. Of note, this study was low power with few participants. On a related note, Swiss researchers found that MDMA substantially reduced PTSD symptoms in people with treatment-resistant PTSD. Obviously, more research needs to be done to suss out the clinical benefits of MDMA administration among people with PTSD. Possible Use as Treatment We should take a moment to further distinguish the illicit use of ecstasy with the clinical use of MDMA. When people purchase ecstasy for recreational use, they typically use the drug excessively, expose themselves to potentially harmful adulterants and use other drugs in addition to MDMA like cocaine, marijuana, and alcohol. In clinical settings, limited doses of unadulterated MDMA are used for short-term adjuvant treatment during psychotherapy. In other words, buying ecstasy or off the street or in some club and using it to treat PTSD is a very bad idea. Although MDMA shows promise as a treatment for PTSD, because of public opinion and government restrictions, MDMA may never be used to treat the disorder. Specifically, both the United States and the United Kingdom have banned the drug. Because MDMA is banned, its very difficult to procure and test in clinical studies and unavailable for prescription.

Relevant Facts about GE and PG - 431 Words

Publication: Grant, R. (2010). Jeff Immelt and the Reinventing of General Electric, 2009. Retrieved from: http://edugen/wileyplus.com Company: General Electric Relevant Facts Somewhat difficult transition between Welch management style and Immelts paradigm. Old mode: Acquire more and brand globally; New mode: Rely on GE capital and focus on long term lines, minimizing underperformers. GE divested of a number of units (insurance, reinsurance, plastics, etc.) Immelt reshaped business portfolio towards more technological or popular units that would show more immediate profit Immelt needed to revamp in order to avoid perceptions of insolvency and tie ins with Lehman and other subprime and fiscal losses. Key Issues New business portfolio includes focus on: Broadcasting and entertainment, healthcare, energy, technology infrastructures, and finance. GE exists low growth and/or low margin businesses; Issue is return of cost of capital. GEs new position and growth model focuses on areas that are growing in the 21st century, have longer-term capacity, but will show ROI in the short-term as well. Core Competencies Infrastructure technology (healthcare, aviation, transportation, energy) GE Capital fiscal services, high ROI Innovation and bringing superior performing products to the market Strategy Continue to develop and delight the consumer with sustainable innovations that improve the profitability and environmental profile of our products. RecommendationsShow MoreRelatedHuman Health And The Environment : Gmos1668 Words   |  7 Pageslaboratory through genetic engineering, or GE.† This does not include organisms that have been altered through other means such as traditional cross-breeding, or antibiotic or hormone treatments. There are many beneficial reasons for genetic engineering or genetically modifying plants. There are also many major agricultural biotech companies such as Monsanto, Syngenta, BASF, Dow Chemical Company, Bayer, DuPont that develop GMOs, seek to promote the usage of their GE seed, and promote studies demonstratingRead MoreGeneral Electric and Honeywell Merger2876 Words   |  12 PagesGeneral Electric Co. (GE) and Honeywell Inc. has sparked considerable debate between US antitrust agencies, economists and scholars since the announcement of its unsuccessful attempt by the European Commission (EC). GE is a corporation active in aircraft engines, financial services, and transportation systems while Honeywell is a manufacturing company producing aerospace products and is the leading supplier for engine starters. Both parties are from the US. In Oct 2000, GE and Honeywell agreedRead MoreOEM, ODM, OBM3016 Words   |  13 Pagesmarket, compare its development with the development patterns of domestically owned and foreign owned electronics firms in Asia, as described by Mike Hobday. What are the reasons for any differences you can identify? What does your comparison imply about the firm’s prospects for the future?† NAME OF TUTOR Dr Rick Woodward Semester 1 - 2013 - MSc International Business Emerging Markets 1- Introduction This essay is based on the work of Michael Hobday titled â€Å"East versus Southeast Asian Read MoreBack Bay Battery3892 Words   |  16 PagesUnderstanding the Psychology of New-Product Adoption Why Sustainability Is Now the Key Driver of Innovation The Practice of Global Product Development Tapping the World’s Innovation Hot Spots Harvard Business School Case (HBS): Healthymagination at GE Healthcare Systems Register and Purchase the above materials at: http://cb.hbsp.harvard.edu/cb/access/14437467 Strategic Innovation Simulation: Back Bay Battery The simulation may be previewed at: http://forio.com/simulate/harvard/innovation-demo/simulation/indexRead MoreHistorical Implication of Hydropower Essay1661 Words   |  7 Pagescharacter- istics of this region make it a perfect place to implement policy regarding the integration of small hydro into the rural setting. The first segment of this report will seek to outline the historical implications of small hydro power, define relevant terms and theory, while also giving a geographic and cultural outline of Brazil in a historical context. The second part of this report will investigate the current state of hydropower projects in Brazil, as well as current social, political, environmentalRead MoreProcurement and Sourcing: Contribution to Supply Chain Management8281 Words   |  34 Pagesto the supply chain Submitted By Zohaib Rauf (Reg. :MBA -13409) Hasnain Haider (Reg. :MBA -5871) Supervisor Dr. Masood JANUARY 20, 2009 For the subject: Supply Chain Management Class ID: 5055 Timings: Monday / Thursday 3-6 pm 1|P a ge Letter of Transmittal July 8th, 2009 Dr. Masood, Project Supervisor, Iqra University Dear Sir: We are submitting our report on â€Å"Procurement and sourcing: contribution to the supply chain management†. As per your advice, the reportRead MoreUnleashing the Power of Marketing5321 Words   |  22 PagesUnleashing The Power Of Marketing When GE realized that its products would no longer sell themselves, it had to invent a formidable marketing function from scratch. by Beth Comstock, Ranjay Gulati, and Stephen Liguori 90 Harvard Business Review October 2010 HBR.ORG J ILLUSTRATION: GARY NEILL ust 10 years ago General Electric had no substantial marketing organization. For decades the company had been so confident in its technologies that it seemed to believe the products could marketRead MoreGe- Evo Project9203 Words   |  37 Pagesthat had been designated â€Å"Imagination Breakthroughs.† IBs, as they were called within GE, were new projects with the potential to generate $100 million in new business within two to three years, and were a key part of Immelt’s organic growth strategy. At the IB Review, Immelt expected to hear how Transportation was progressing with each of its locomotive IBs and what plans they had for their future. Within GE Transportation, however, the future of several IBs had been a source of considerable Read MorePestel Analysis on Motor Industry10196 Words   |  41 Pagesschools of strategic thought. Judging by the bibliography searched and, perhaps, the major appeal of this paper, is that a selection of common strategy development models and tools are compared systematically for the first time in one single paper. In fact it was found that models, at least in Italy, are rarely compared and if they are, it is on a one-to-one basis. The intent is to at least start to bridge and compare models and show how new models can be realised. The paper closes with the proposalRead MoreThe Cipd Profession Map 201528226 Words   |  113 Pagesthe CIPD Profession Map standards to define or benchmark their HR capability at individual, team, function and organisational levels. From Band 1 at the start of an HR career through to Band 4 for the most senior leaders, it has been designed to be relevant and applicable to all professionals working across the HR spectrum; so whether you are a generalist or a specialist (in learning and development, talent, reward, employee relations and engagement, resourcing or OD), wherever you are operating in

Strengthening The Foster Care and Adoption System Essays

Many potential adopted parents have experienced heartbreak, anguish and other problems that can be associated with adoption. There is an imbalance in the Nations foster care system and the system needs to be strengthening and the quality of services improved. Despite attempts in the foster care system agencies under the guidelines of the â€Å"Adoption and Safe Families Act of 1997† (ASFA) to locate suitable homes and families for foster children, many remain in foster care. â€Å"Too often, Child Welfare policy and the agencies responsible for it – offices that respond to child abuse and neglect, oversee foster care placements, and seek to reunite children with their parents to find adoptive families- are out of sight and out of mind except for†¦show more content†¦The Child Permanency Plan court orders that parents participate in their require services 15 of the most recent 22 months unless there is an exception (decided on by the court). If not children when possible are placed with suitable family members and/or adoptive parents for safety and permanency. However, there are major problems in the Foster care/ Adoption system and many children continue too many years in foster care without a permanency plan. A ccording to The U.S. Department of Health and Human Services Adoption and Foster care Analysis and Reporting System (AFCARS) from October 1, 2007 through September 30, 2008, there were 123,000 waiting to be adopted. Currently there are 200,000 plus children in foster care nationally. Many have been in continuous foster care for as long as 2-3 1/2 years. (1.) Initially children are placed into the foster care system because of high risk safety factors which determines how the government will respond. What’s not clear at the time is that the child may have underlining problems- mental health issues, truancy, juvenile delinquency. Once placed in foster care if the issues are not detected and the case management plans do not address the underlining problems they may be aggravated and increase the severity of the child’s conditions/ behavior. (2.) Many times agencies and case managers do not have access to information and files that their counterparts have even whe n they are involved in the same case because ofShow MoreRelatedH. R 4980 : Preventing Sex Trafficking And Strengthening Families Act Of 20141671 Words   |  7 PagesThe policy under analysis is the H.R. 4980 (113th): Preventing Sex Trafficking and Strengthening Families Act of 2014. It was introduced to Congress on June 26, 2014, and it was enacted on September 29, 2014 (Civic Impulse, 2017). The law was enacted to target several problems: first, to prevent and address sex trafficking of children in foster care (Subtitle A); second, to improve adoption incentives and extending family connection grants (Subtitle B); and third, to improve international child supportRead MoreSocialworktoday.Com Conducted A Study On Ways To Repair978 Words   |  4 PagesSocialworktoday.com conducted a study on ways to repair the foster care by consulting foster care experts. The system came up with five strategies that are explained in article titled â€Å"Fixing Foster Care — 5 Strategies f or Change† written by Nadine M. Hasencez. The five strategies are to strengthen families of origin, support case workers, educate the public, help children deal with unresolved grief and loss, and guide children in building connections (Hasencez). Carol Wilson Spigner, a professorRead MoreSocial Workers And Social Work950 Words   |  4 Pageseligibility rules, service delivery systems, and financing (Chapin, 2014, p.186). This paper will explore and analyze the service delivery system and financing of the Child Abuse Prevention and Treatment Act (CAPTA). Additionally, this paper will examine the achieved outcomes that have been accomplished by the implementation of CAPTA. Children are one of the most vulnerable populations that social workers will assist in the social work profession. The child welfare system encompasses many services thatRead MoreI Am A Master Of Social Work Degree1537 Words   |  7 Pagesculmination of my undergraduate studies, I was recruited into the Children’s Corps and received training for graduates interested in working in the child welfare system. After my training, I immediately began employment as a case planner at JCCA. My main goal as a case planner is to help children find permanency through reunification with parents, adoption or legal guardianship. My experience at JCCA has allowed me to develop my interpersonal skills and increased my ability to work with a diverse group ofRead MoreFirst Three Years Old Child Who Tested Positive For Crack Cocaine During Pregnancy1530 Words   |  7 Pagesold child who tested positive for crack cocaine at birth. She was immediately taken into custody. For the first three m onths of her life, she was placed in foster care. During this time, her mother, Emilia, was remanded into drug treatment, which she did not complete. Her father was nowhere to be found, so she was placed in kinship care with her grandparents at the age of three months. They are currently in the process of adopting her. Her mother states that she would like to work towards regainingRead MoreWendys International, Inc.1409 Words   |  6 Pagescompany aims to follow that motto in all of its restaurants. They want in return Customer Loyalty and Satisfaction, by their plan to exceed customer expectations, foster a performance-driven culture, deliver the balanced message of brand equity plus value in outstanding advertising, and most importantly creating a healthy restaurant system. Wendy s faces stiff competition in the overall fast food industry, as McDonald s holds a dominating 18% share of the market with Wendy s and Burger King holdingRead MoreReasons For Adopting Children From Foster Homes1392 Words   |  6 PagesAllowed to Adopt In today world there’s a huge population of children in foster homes. Why not give LGBT people the chance to adopt. They probably want to raise a child or even children of there own today or someday. The LGBs community overpowers the foster care community. Therefore, LGBs people should be able to adopt children from foster care. LGBs community should be allowed to adopt because they nurture the neediest, they foster tolerance, and they choose the responsibility to have children, despiteRead MoreChild Protective Services1477 Words   |  6 PagesCHILD PROTECTIVE SERVICES REFORM 1 INTRODUCTION Child Protective Services (CPS) is a complex system of assessments, investigations, and conclusions. CPS is the central agency in each communities child abuse and neglect service system. It is responsible for ensuring that preventative, investigative, and treatment services are available to children and families endangered by child abuse and neglect. As a result, CPS workers must perform a variety of functions when responding to situations of childRead MoreHunger, Poverty, And Poverty3258 Words   |  14 Pagesproblematic, but the issue exists and is very real. Since severe poverty leads to homelessness, the next step is children being put in foster care because their parents do not have the resources to provide for them. Struggling families multiply as time continues. Since greater poverty and homelessness often lead to an increase in foster care for children, strengthening family units can decrease financial hardships. In order to see the issues of poverty, one must know how it is relevant today. In PhiladelphiaRead MoreFoster Care As A Temporary Solution Essay2185 Words   |  9 PagesFoster Care is one of the major issues still faced in this world today. According to Crosson-Tower (2013), in the early 1800s, boarding homes was instituted with the idea of rescuing â€Å"good† children from ‘bad† parents. She notes that the idea of paying for foster homes to house children was renounced because agencies advocating foster care argued that it will lead foster parents to take children for money rather than out of altruism. However, she also explains the practice of paying for foster care

V xcvbxcv Free Essays

Under this contract, the customer selects the capital equipment or property (assets) to be nuanced by the bank and the bank then purchases these assets from the manufacturer or supplier and then leases them to the customer for an agreed period. In conformity with the Shari’s, the owner of the assets (in this case the bank) must be paid rent (fixed or variable, as agreed by the lesson and lessee) and must exercise all the rights and obligations that are incidental to ownership such as maintaining, insuring and repairing the assets. The lessee, on the other hand, obtains the use of the asset for the period of the lease subject to paying the rent. We will write a custom essay sample on V xcvbxcv or any similar topic only for you Order Now The lessee may assume the obligations, such as maintaining, insuring and repairing the asset, in return for a reduced rent. 1 . 3. 2 What is Car Ajar? As mentioned above ‘Jar is basically the transfer of suffuses (defined below) of a fixed asset to another person for an agreed period, for an agreed consideration. Under a Car ‘Jar agreement the car will be rented to the customer for the period agreed at the time of contract. Upon completion of the lease period the customer in the Means case discussed below, gets ownership of the car against his initial security deposit. Car ‘Jar is a Shari’s-compliant car-leasing scheme. It is based on the principles of Jar and is completely free from the element of interest. This product is designed for interpretative individuals, looking for a car-financing scheme that helps in avoiding interest-based transactions. So Car ‘Jar is simply a rental agreement under which the car will be given to the customer in exchange for rent for a period, agreed at the time of the contract. Means Bank, based in Pakistan and a pioneer in this area, purchases the car and rents it out to the customer for a period of three, four or five years. Upon completion of the lease period the customer gets ownership of the car against his initial security deposit. Somewhat confusingly, the Means Car ‘Jar scheme has elements of ‘Jar WA Satin within it. In this case study I propose to follow the Means assumption in using ‘Jar in the sense that it involves car ownership at the end of the maturity of the deal. This is in line with Shari’s methodology and terminology. . 3. 2. 1 What is Suffuses? Suffuses is the right of enjoying a thing, the property of which is vested in another, and to draw from the same all the profit, utility and advantage that it may produce, provided it be without altering the substance of the thing. Items without suffuses cannot be leased. It is necessary for a valid lease contract that the corpus of the leased asset remains in the ownershi p of the seller, and only its suffuses is transferred to the lessee. 1 . 3. 3 In what Sense is Car ‘Jar Interest Free? In Car Ajar, the asset remains under the ownership and at the risk of the bank and the customer only pays the rental for the use of the asset, Just like the rent of a house. 3 Under leasing or lease purchase, the Islamic financial institution buys the financed asset and retains the title through the life of the contract. The customer makes a series of lease payments over a specified period of time, and may have the option at the end to buy the item from the lesson (and owner) at a pre specified residual value. Leasing was not originally a mode of financing. It was simply a transaction meant to transfer the suffuses of a property from one person to another for an agreed period and an agreed upon consideration. Leasing can be used as a mode of financing, in Islamic banks, as an alternative to conventional car financing. However, the consideration of leasing as a mode of financing should be based on certain notations. It should be understood, by all using it as a mode of financing, that it is not sufficient to substitute the term ‘interest’ with the term ‘rent’, and use the term ‘mortgage’ instead of the term ‘leased asset’. There must be a significant difference between leasing and an interest-bearing loan. It is no secret that an Islamic bank or financial institution will take into consideration the same factors as a conventional bank when determining the rental payments and residual value. These would include the rate of inflation, the creditworthiness of the Jesse, the opportunity cost value of the money (as reflected by market interest rates) and so on. An implicit ‘interest rate’ can trivially be calculated from the price, residual value, term of the lease and the lease payment. This fact is not hidden. Indeed Muslim customers are encouraged to ‘shop around’ and ensure that the Islamic financial institution is not implicitly charging an interest rate, which is in line with the conventional market. In the final analysis, however, the difference is in the form of the contract. If the lease is structured in accordance with the various conditions within Islamic Jurisprudence, t will contract no rib and ensure that it cannot contain such forbidden rib in the future (e. G. In terms of late payment fees, etc. ). 1 . 3. 4 What is the Difference between a Conventional Lease and an Islamic Lease? The most important financial difference between Islamic leasing and conventional leasing is that, with Islamic leasing, the leasing agency must own the leased object for the duration of the lease. Therefore, although leasing a car from a car manufacturer or car dealership may in principle be permitted for Muslims (if the contract satisfies the other conditions), Muslims should investigate further. In many cases, the car dealership may in fact use a bank or other financial intermediary to provide a loan for the present value of lease payments, and charge the customer interest on this loan. This would constitute the forbidden rib. Scrupulous Islamic financial institutions ensure that the contract abides by all the restrictions set out in the Shari’s (e. G. , subleasing requires the permission of the lesson; late payment penalties must be handled very carefully to avoid rib, etc. ). The differences between conventional and Islamic financing schemes are described in he sections below. 1. 3. 4. Leasing versus Conventional Financing Conventional Financing The conventional financing schemes provide financing for purchasing a car; that is, in essence the financier is giving a loan and charging interest. 4 Islamic Financing The Islamic car financing – ‘Jar – is based on a lease contract. It is not a financing scheme; rather it is a lease contract. As mentione d earlier leasing is a contract whereby suffuses rights to an asset are transferred by the owner, known as the lesson, to another person, known as the lessee, at an agreed-upon price, called the .NET, and for an agreed-upon period of time, called the term of lease. . 3. 4. 2 Rentals versus Installments A conventional car financing scheme is actually an interest-based loan given by the financial institution, with interest being charged on the loan. Islamic car financing is based on pure rentals. In Car ‘Jar the asset remains at the ownership and risk of the bank and the customer only pays the rental for use of the asset, Just like the rent for a house. 1. 3. 4. 3 Ownership In conventional car financing, the car is purchased in the name of the buyer from the dealer. Islamic Financing Under ‘Jar the ownership remains with the bank; that is, the car is purchased from the dealer in the name of the bank. This is because it is one of the foremost conditions of the Islamic mode of leasing that an object cannot be leased out unless it is in the possession of the lesson. 1. 3. 4. 4 Risk/loss Since the car is bought in the name of the buyer in the traditional mode of car financing, the risk is immediately transferred to the buyer, whereas in the case of Islamic financing, this is not so. The car is purchased in the name of the bank from the dealer and so the risk mains entirely with the bank. As the corpus of the leased property remains in the ownership of the lesson, all the liabilities and risks emerging from the ownership are borne by the lesson. The lessee is responsible for any loss caused to the asset by misuse or negligence. The lessee can also be made liable for the wear and tear, which normally occurs during its use. But the lessee cannot be made liable for a loss caused by factors beyond his control. (The agreements CIO 5 with traditional car financing generally do not differentiate between these two situations. In a lease based on Islamic principles, both situations should be dealt with separately. 1. 3. 4. 5 Down-payment versus Security Deposit Both the down-payment and the security deposit are one-time payments. The major difference occurs because the buyer can buy back the car against the security deposit in the case of Ajar, whereas in conventional banking the down-payment remains with the bank, and no buy-back of the car can occur against the down- payment. With ‘Jar the buyer is required to keep a security deposit at the bank. There is a minimum and a maximum requirement for the security deposit. The requirement is efferent in the case of conventional car financing, where a down-payment is made by the buyer of the car. 1. 3. 4. 6 Return of the Car In a traditional car financing scheme, the customer takes out a loan to purchase the car, which he cannot return under any circumstances whatsoever, unless he pays off the loan. Islamic Financing In the Islamic mode of financing, the buyer has the right to return the car anytime during or at the end of the lease period. Since this is a lease agreement, and the lessee has been paying rentals, he can return the car to the bank and take back the security deposit any time he wishes. . 3. 4. 7 Termination of Contract The buyer of the car has the option and right to terminate the contract and return the car before the contract reaches its maturity in both the conventional and Islamic mode of car financing. The difference lies in the post-termination phase. In the conventional car financing scheme, if the customer wants to terminate the contract the only option he has is to buy the car by paying the rest of the installments. In the Islamic car financing scheme, the customer has two options: either return the car and get back the security deposit or buy the car from the bank at the market alee plus a certain percentage of spread for the bank. 6 1. 3. 4. 8 Documentation Differences Sequence/process Islam considers the procedure in which any transaction takes place as a significant factor in all modes of financing. The underlying difference between the Islamic and conventional modes of financing is that of the process. To Muslims, not only the end result but also the means to it are important. If the result is correct and the steps are wrong, or vice versa, the entire process is deemed invalid, from a Shari’s perspective. According to Shari’s principles, lawful steps to lawful results are very important. The most important financial difference between Islamic permitted leasing and conventional financial leasing is that the leasing agency must own the leased object for the duration of the lease. Ownership of the asset is the prerequisite for leasing out its suffuses. As mentioned, Islam places great emphasis on the sequencing. 1 . 3. The Means Bank Car ‘Jar Scheme Means Banks Car ‘Jar has been designed according to the principles of Islam and is completely interest-free. Moreover the ‘Jar contract and other documentation also comply with Shari’s requirements. In contrast, a conventional car-financing scheme s actually an interest-based loan given by the financial institution with interest being charged on the loan. Also, in conventiona l car-leasing schemes, the lease contract is not in compliance with Shari’s law and has rib and other UN-lilacs elements in it. 1. 3. 5. What Makes Car ‘Jar Unique? Some of the key characteristics of the Means Car ‘Jar are described in the following sections. Rights and Liabilities of Owner Versus User ‘Jar is an asset-based contract, that is, the lesson should have ownership of the asset during the life of the contract. Under Shari’s law all ownership-related rights and abilities should lie with the owners while all usage-related rights and liabilities should lie with the user. A conventional lease contract does not distinguish between the nature of these liabilities and dumps all liabilities on the user. This is not permitted under the Shari’s. Under ‘Jar all ownership-related risks lie with the bank and all usage related links lie with the user, thus making the lesson the true owner of the asset and making the income generated through the contract permissible (hall) for the Islamic bank. Continuation of Lease Rentals in the Case of Total Loss or Theft of Vehicle If the eased vehicle is stolen or completely destroyed the conventional leasing company would continue charging the lease holder rent until the settlement of the insurance claim. Under the Islamic system, however, rent is consideration for usage of the leased asset and, if the asset has been stolen or destroyed, the concept of rental becomes void. As such, in the above-mentioned eventualities, Means Bank does not charge the lease rental. Is there a Penalty for Late Payment of Rent? If so How is This Permissible Under the Shari’s? In most conventional financial leases an extra monetary amount is charged if rent is to paid on time. This extra amount is considered as rib under the Shari’s and is distinctly forbidden 7 (harm). The lessee may be asked to undertake that if he fails to pay rent on its due date, he will pay a certain amount to a charity that will be administered through the bank. For this purpose Means Bank maintains a charity fund where such amounts may be credited and disbursed for charitable purposes. What is the Insurance Arrangement under Car Ajar? Being the owner of the car, the bank will be responsible for insurance of the car and for paying the insurance premium. If Tactful (Islamic insurance) is not available, the insurance is done under the conventional system. Can the User Buy the Car Prior to the Termination of Rental Agreement? Yes. The rental agreement contains the purchase price schedule. Is the Product Approved by Means Banks Shari’s Board Yes. Car ‘Jar is designed under the supervision of Means Banks Shari’s Supervisory Board and is approved by the Board. In order for any Islamic financing technique to be acceptable to the Islamic community it has to be endorsed by the appropriate Shari’s Board who will provide a Fatwa (a religious ruling). The appendix to this case illustrates the Fatwa applicable to the Means Bank Car ‘Jar agreement. How to cite V xcvbxcv, Papers

Ryan Todrank14 September 2017CHDV 131Reading Respo Essays

Ryan Todrank14 September 2017CHDV 131Reading Response 2After reading the article, one the most interesting thing I read was "If Research shows that four month old babies vocalize more when an adult is present, what is the crucial factor that stimulates this vocalization? Eye gaze!" p.220. I find this quote very interesting because I think it is so true! A baby can learn language from you with talking to them but eye contact is the most important thing. Not only is it the voice, but your expressions and your voice tone are what really help and baby learn. This is what makes eye contact so important.I work at a daycare and many of the kids have baby brothers and sisters. I will walk up to them and at first they will not notice that I am even there. I can tell because when I start talking they are just looking away or eating their toes. But if I make a small gesture like touch there nose or grab their finger, there stare right at me. I will say things like "how are you today?" And they will just stare right at me and go "babababa" not only do I know that they are focused on me, but I know that they are learning language development.French scientists did a study to see if they could if a baby was French just by the babbling, and they say that they were able to identify it. They were able to do this by the sounds that the babies used. English reared babies babble mostly with a falling intonation while French babies end with a rising intonation.There are many people that I work with that come from many different backgrounds, I see babies from Italian backgrounds, Mexican backgrounds, and an Australian background. From my experience, of all of the babies that I work with, I can tell that they are not American just from the babbling. With the Australian child for example, He still is learning English, but the tone is so much different that it makes it obvious that it is not American English just from his "babababa". For children that are bilingual, I think that it just depends on what the native language is. Whatever language is stronger will be the deciding factor.