How My Brother Leon Brought Home a Wife Essay

My brother Leon was returning to Nagrebcan from far away Manila, bringing home his young bride who had been born and had grown up in the big city. Father would not accept her for a daughter-in-law unless he taught her worthy to live in Nagrebcan. Father devised an ingenious way to find out, and waited for the result. She stepped down from the carretela of Ca Celin with a quick, delicate grace. She was lovely. She was tall. She looked up to my brother with a smile, and her forehead was on a level with his mouth â€Å"You are Baldo. † She said and placed her hand lightly on my shoulder. Her nails were long, but they were not painted. She was fragrant like a morning when papayas are in bloom. And a small dimple appeared momentarily high up on her cheek. â€Å"And this is Labang, of whom I have heard so much. † She held the wrist of one hand with the other and looked at Labang, and Labang never stopped chewing his cud. He swallowed and brought up to his mouth more cud, and the sound of his inside was like a drum. I laid a hand on Labang’s massive neck and said to her: â€Å"You may scratch his forehead now. â€Å"She hesitated and I saw that her eyes were on the long curving horns. But she came and touched Labang’s forehead with her long fingers, and Labang never stopped chewing his cud except that his big eyes were half closed. And by and by, she was scratching his forehead very daintly. My brother Leon put down the two trunks on the grassy side of the road. He paid Ca Celin twice the usual fare from the station to the edge of Nagrebcan. Then he was standing beside us, and she turned to him eagerly. I watched Ca Celin, where he stood in front of his horse, and he ran his fingers through its forelock and could not keep his eyes away from her. Maria—â€Å" my brother Leon said. Read more:  How My Brother Leon Brought Home a Wife by Manuel Arguilla Essay He did not say Maring. He did not say Mayang. I knew then that he had always called her Maria; and in my mind I said, â€Å"Maria,† and it was a beautiful name. †Yes,Noel† Now where did she get that name? I pondered the matter quietly to myself, thinking Father might not like it. But it was only the name of my brother Leon said backwards, and it sounded much better that way. â€Å"There is Nagrebcan, Maria† my brother said gesturing widely toward the west. She moved close to him. And after a while she said quietly: You love Nagrebcan, don’t you, Noel? Ca Celin drove away hi-yi-ing to his horse loudly. At the bend of the camino real where the big duhat tree grew, he rattled the handle of his braided rattan whip against the spokes of the wheel. We stood alone on the roadside. The sun was in our eyes, for it was dipping into the bright sea. The sky was wide deep and very blue above us; but along the saw-tooth rim of the Katayaghan hills to the southwest flamed huge masses of clouds. Before us the fields swam in a golden haze through which floated big purple and red and yellow bubbles when I looked at the sinking sun. Labang’s white coat, which I had washed and brushed that morning with coconut husk, glistened like beaten cotton under the lamplight and his horns appeared tipped with fire. He faced the sun and from his mouth came a call so loud and vibrant that the earth seemed to tremble underfoot. And far way in the middle of the fields a cow lowed soflty in answer. â€Å"Hitch him to the cart, Baldo,† my brother Leon said, laughing and she laughed with him a bit uncertainly, and I saw he had put his arms around her shoulders. â€Å"Why does he make that sound? † she asked. â€Å"I have never heard the like of it. † â€Å"There is not another like it,† my brother Leon said. I have yet to hear another bull call like Labang. In all the world there is no other bull like him. † She was smiling at him, and I stopped in the act of tying the vinca across Labang’s neck to the opposite end of the yoke, because her teeth was very white, her eyes were so full of laughter, and there was a small dimple high up on her right cheek. â€Å"If you continue to talk about him like that, either I shall fall in love with him or become very jealous. † My brother Leon laughed and she laughed and they looked at each other and it seemed to me there was a world of laughter between them and in them. I climbed into the cart over the wheel and Labang would have bolted for he was always like that, but I kept firm hold on his rope. He was restless and would not stand still. , so that ny brother Leon had to say â€Å"Labang† again, my brother Leon lifted the trunks into the cart, placing the smaller one on top. She looked down once on her high heeled shoes, then she gave her left hand to my brother Leon, placed a foot on the hub of the wheel, and in one breath she had swung into the cart. Oh, the fragrance of her! But Labang was fairly dancing with impatience and it was all I could do to keep him from running away. Give us the rope, Baldo,† my brother Leon said. â€Å" Maria , set on the hay and hold on to anything. † Then he put a foot on the left shaft and that instant Labang leaped forward. My brother Leon laughed as he drew himself up to the top of the side of the cart and made the slack of the rope hiss above the back of Labang. The wind whistled against my cheeks and the rattling of the wheels on the pebbly road echoed in my ears. She sat up straight on the bottom of the cart, legs bent together to one side, her skirt spread over them so that only the toes and the heels of her shoes were visible. Her eyes were on my brother Leon’s back; I saw the wind on her hair. When Labang slowed down, my brother Leon handed me the rope. I knelt on the straw inside the cart and pulled on the rope until Labang was merely shuffling along, then I made him turn around. â€Å"What is it you have forgotten now, Baldo? † my brother Leon said. I did not say anything but tickled with my fingers the rump of Labang; and away we went back to where I had in hitched and waited for them. The sun had sunk and down from the wooded sides of the Katayaghan hills shadows were stealing into the fields. When I sent Labang down the deep cut that would take us to the dry bed of the Waig, which could be used as a path to our place during the dry season, my brother Leon laid a hand on my shoulder and said sternly: â€Å"Who told you to drive through the fields tonight? â€Å"His hand was heavy on my shoulder, but I did not look at him or utter a word until we were on the rocky bottom of the Waig. â€Å"Baldo, you fool, answer me before I lay the rope of Labang on you. Why do you follow the Waig instead of the Camino real? † His fingers bit into my shoulder. â€Å"Father- he told me to follow the Waig tonight, Manong. Swiftly his hand fell away from my shoulder and he reached for the rope of Labang. Then my brother Leon laughed, and he sat back, and laughing still, he said: â€Å"And I suppose Father also told you to hitch Labang to the cart and meet us with him instead of the Castano and the calesa. † Without waiting forn me to answer, he turned to her and said, â€Å"Maria, why do you think Father should do that, now? † He laughed and added, â€Å"Have you ever seen so many stars before? † I looked back and they were sitting side by side, leaning against the trunks, hands clasped across the knees. Seemingly but a man’s height above the tops of the steep banks of the Waig, hung the stars. But in the deep gorge the shadows had fallen heavily, and even the white of Labang’s coat was chirped from their homes in the cracks in the banks. The thick, unpleasant smell of dangla bushes and cooling sun-heated earth mingled with the clean, sharp scent of arrais roots exposed to the night air and of the hay inside the cart. â€Å"Look, Noel, yonder is our star! † Deep surprise and gladness were in her voice. Very low in the west, almost touching the ragged edge of the bank, was the star, the biggest and brightest in the sky. I have been looking at it,† my brother Leon said. â€Å"Do you remember how I would tell you that when you want to see stars you must come to Nagrebcan? †. â€Å"Yes, Noel,† she said. â€Å"Look at it she murmured, half to herself. â€Å"It is so many times bigger than it was at Ermita beach. †The air here is clean and free of dust smoke. † So it is Noel,† she said,drawing a long breath. â€Å"Making fun of me, Maria? â€Å"She laughed then, and they laughed together and she took my brother Leon’s hand and put it against her face. I stopped Labang, climbed down, and lighted the lantern that hung from the cart, and my heart sang. Now the shadows took fright and did not crowd so near. Clumps of andadasi and arias flashed into view and quickly disappeared as we passed by. Ahead, the elongated shadow of Labang bobbled up and down and swayed drunkenly from side to side, for the lantern rocked jerkily with the cart. â€Å"Have we far to go yet, Noel? † she asked. â€Å"Ask Baldo,† my brother Leon said,†we have been neglecting him. † â€Å"I am asking you, Baldo,†she said. Without looking back, I answered, picking my words slowly: â€Å"Soon we will get out of the Waig and pass into the fields. After the fields is home – Manang. â€Å"So near already. † I did not say anything more, because I did not know what to make of the tone of her voice as she said her last words. All the laughter seemed to have gone out of her. I waited for my brother Leon to say something, but he was not saying anything. Suddenly he broke out into song and the song was â€Å"Sky Sown with Stars† –the same that he and father sang when he cut hay in the fields of nights before he went away to study. He must have taught her the song because she joined him, and her voice flowed into him like a gentle stream meeting a stronger one. And each time the wheel encountered a big rock, a voice would catch in her throat, but my brother Leon would sing on, until, laughing softly, she would join him again. Then we were climbing out into the fields, and through the spokes of the wheels the light of the lantern mocked the shadows. Labang quickened his steps. The jolting became more frequent and painful as we crossed the low dikes. â€Å"But it is so very wide here,† she said. The light of the stars broke and scattered the darkness so that one could see far on every side, though indistinctly. You miss the houses, and the cars, and the people and the noise, don’t you? † My brother Leon stopped singing. â€Å"Yes, but in a different way. I am glad they are not here. † With difficulty, I turned Labang to the left, for he wanted to go straight on. He was breathing hard, but I knew he was more thirsty than tired. In a little while , we drove up the grassy side onto the camino real. â€Å"-you see,† my brother Leon was explaining, â€Å"the camino real curves around the foot of the Katayaghan hills and passes by our house. We drove through the fields, because- but I’ll be asking father as soon as we get home† â€Å"Noel,† she said. Yes, Maria. † â€Å"I am afraid. He may not like me. † â€Å"Does that worry you still, Maria? † my brother said. â€Å"From the way you talk, he might be an ogre, for all the world. Except when his leg that was wounded in the revolution is troubling him, Father is the mildest tempered, gentlest man I know. † We came to the house of Lacay Julian and I spoke to Labang loudly, but Moning did not come to the window, so I surmised she must be eating with the rest of her fam ily. And I thought of the food being made ready at home and my mouth watered. We met the twins, Urong and Celin, and I said â€Å" Hoy,† calling them by name. And they shouted back and asked if my brother Leon and his wife were with me. And my brother Leon shouted to them and then told me to make Labang run; their answers were lost in the noise of the wheels. I stopped Labang on the road before our house and would have gotten down, but my brother Leon took the rope and told me to stay in the cart. He turned Labang into the open gate and we dashed into our yard. I thought we would crash into the bole of the camachile tree, but my brother Leon reined in Labang in time. There was light downstairs in the kitchen, and Mother stood in the doorway, and I could see her smiling shyly. My brother Leon was helping Maria over the wheel. The first words that fell from his lips after he had kissed Mother’s hand were: â€Å"Father – where is he? † â€Å"He is in his room upstairs,† Mother said, her face becoming serious. â€Å"His leg is bothering him again. † I did not hear anything more because I had to go back to the cart to unhitch Labang. But I had hardly tied him under the barn when I heard Father calling me. I met my brother Leon going to bring up the trunks. As I passed through the kitchen, there were Mother and my sister Aurelia and Maria, and it seemed to me they were crying, all of them. There was no light in Father’s room. There was no movement. He sat in the big armchair by the eastern window, and a star shone directly though it. He was smoking, but he removed the roll of tobacco from his mouth when he saw me. He laid it carefully on the windowsill before speaking. â€Å"Did you meet anybody on the way? † â€Å"No, Father,† I said. â€Å"Nobody passes through the Waig at night. † He reached for his roll of tobacco and hitched himself up in the chair. â€Å"She is very beautiful, Father. â€Å"Was she afraid of Labang? † My father had not raised his voice, but the room seemed to resound with it. And again I saw her eyes on the long curving horns and the arm off my brother Leon around her shoulders. â€Å"No, Father, she was not afraid. † â€Å"On the way-â€Å"â€Å"She looked at the stars, Father And Manong Leon sang. † â€Å"What did he sing? † â€Å"Sky Sown with Stars. † She sang with him. He was silent again. I could hear the low voices of Mother and my sister Aurelia downstairs. There was also the voice of my brother Leon, and I thought that Father’s voice must have been like it when he was young. He had laid the roll of tobacco on the windowsill once more. I watched the smoke waver faintly upward from the lighted end and vanish slowly into the night outside. The door opened and my brother Leon and Maria came in. â€Å"Have you watered Labang? † Father spoke to me. I told him that Labang was resting yet under the barn. â€Å"It is time you watered him, my son. † My father said. I looked at Maria and she was lovely. She was tall. Beside my brother Leon, she was tall and very still. Then I went out, and in the darkened hall the fragrance of her was like a morning when papayas are in bloom.

Role of the Insurance Industry in Economic Development

What Role has the Insurance industry In Economic development? The insurance industry has come a long way from ship owners, merchants and underwriters gathering in Edward Lloyd’s coffee house in London to discuss their marine voyages to new colonies of the British Empire. Over the years, Insurance has become essential in our everyday lives. Something we just can’t live without. Our Economics and Societies are growing phenomenal rates and have become more and more interconnected on the rest of the world, the risks exposed to us become more unpredictable and hazardous.The need to protect against unfortunate events has been around as long as human beings existed. Individuals have always recognised their need to alleviate risks that have the potential to ruin the. At the dawn of modern history, widely dispersed groups of tightly knit hunter-gatherers, relied almost exclusively on clan relatedness as their only bulwark against the ever-present risk of death, debilitating inju ry and starvation.For those early ancestors, the concept of risk always existed, exclusively in terms of the physical persons of individuals, mitigated by the guarantee of personal and kin relationships, rather than objects and possessions. (Buckham et al 2011, pp. 1-9). According to Lopez and Raymond 1967, in antiquity, a sea loan was the first sign of transferring risk. A number of German and Italian jurists have regarded it as something close to insurance. It involved a ship owner promising to transport goods belonging to a merchant and at the same time providing a loan, somewhat of a guarantee.If the ship and the goods arrived safely to its intended destination, the merchant returned the loan but if they didn’t arrive safely, the loan was not returned. From its origins in ancient times, the insurance industry has evolved into an essential service in our society and a â€Å"key component for economic development† (Liedtke 2007). Our lives are progressing rapidly, th ere is a significant increase in the general population, technology and science is continuously maturing and the world is becoming smaller.The insurance industry is now faced with challenging obstacles through â€Å"the liberalisation of insurance and capital markets, changing demographics, volatile stock markets, the shifting of climate patterns and the rising numbers of natural and manmade disasters and subsequent losses† (Ayadi and O’Brien 2006). â€Å"The global risk landscape is growing and the size of potential losses is continuously increasing† (Coomber 2006). Society has progressed significantly from ancient times and our need of insurance has drastically transformed accordingly.The increasing sense of ambiguity and uncertainty in our lives regarding our future economic prosperity and the devastating impact of catastrophic events has certainly reinforced the need for insurance to shield us against new and emerging risks. This paper asks the imperative qu estion: What role has the insurance industry in our economy development? The Importance of the insurance industry for an economy can only in part be measured by the sheer size of its business, the number of its employees in a given country, the assets under management, or its contribution to the national GDP.But insurance is not just about employment and the financial compensation of Victims. It actually plays a more fundamental role in the workings of a modern society, it creates huge capital assets. Due to the nature of insurance contracts which usually involve long time periods, money coming from insurance, usually stays in the financial market of a given economy for quite some time. It is not a fickle investment capital that rushes around looking for quick gains, it is oriented toward the medium to long term. It creates a stable environment by allocating assets according to market forces where needed (Liedtke 2007).There are six main areas where the insurance industry fosters ec onomic growth. I will now go into detail on these six areas (CEA 2011). Private insurance improves firm’s financial soundness: Insurance allows firms to expand and take on economic risk without the need to set aside capital. If a firm did not have adequate business insurance cover this could be harmful particularly for small firms. Small firms have limited capital and have difficulty in accessing financial markets which make them particularly vulnerable to adverse events.Without insurance large contingency funds would have to be in place to protect firms against risk. For most small firms this would represent more capital than they presently employ which would not be viable for most small firms and this would lead to a reduction the population of firms. Fostering entrepreneurial attitudes, encouraging investment, innovation, market dynamism, and competition: To be innovative you have to take risks. Since entrepreneurs just like ordinary people are characterised by risk aversi on, the willingness to take risks can be considered a scarce resource (Kugler and Ofoghi 2005).More will be produced if greater risk is taking. Well developed insurance markets contribute to the development of an economy by helping to optimise the allocation of the scarce resource of ‘risk taking’ by moving it from a conservative to an innovative and high profits activities. On the other hand uninsured firms are very conservative and generally do not exploit new business opportunities and invest less in innovation and their degree in the global markets is low. Offering social protection alongside the state, releasing pressure on public sector:In all industrialised countries a major problem is not too far down the line. Due to improvements in healthcare and quality of life population’s structures in industrialised countries are changing where people are living a lot longer and at the same time the birth rate has also decreased. People are also expecting to receive a high level of healthcare, pensions, unemployment allowance and other social benefits. This raises great concern as public expenditure will be put under huge pressure and will lead to significant decreases in economic growth.The role of the insurance industry is vital to provide an additional pillar alongside the protection supplied by the state. Insurance products like payment protection insurance play a vital role in protecting household in times of unemployment in an economic downturn. Many industrialised countries such as the United Kingdom provide free healthcare to its citizens. In the future what we are going to see is the health system in these countries being privatised and individuals buying private health insurance. Currently 47% of the Irish population have health insurance (Nolan 2006).Similar systems will have to be introduced to the pension systems. These measures will help reduce government expenditure on these areas and in the long run help with the development of the economy in the countries. Enhancing financial intermediation, creating liquidity and mobilizing savings: Insurers are massive institutional investors in the economy with over 11% of worldwide assets in 2007 (Munich RE 2007). They therefore see benefit in the development of a modern , competitive financial market that facilities firms access to capital and offers a wide range of investment opportunities.In this respect insurance companies look favourably upon initiatives taken by governments to ensure shareholder rights and to maintain high standards of corporate governance. Promoting sensible risk management by firms and households, contributing to sustainable and responsible development: Insurers risk assessment is reflected through in price and policy conditions. In this way they offer firms and households an indicator of their level of risk. Firms and households in can take action to reduce the risk by engaging in risk management.Risk management is the process of gauging or accessing risk and developing strategies to manage it (Squiddo 2012). Therefore by means of risk pricing insurance encourages sensible risk management. Both the client and the insurer benefits from sensible risk management as the client’s premiums are reduced and the chances of the insurance company having a claim are also reduced. This process influences investment decisions and thus contributes to the development of the economy. Fosters stable consumption throughout life: Consumption is the main driver of economic growth as its accounts for over 80% of GDP.By having insurance it offers lifelong financial protection and allows stable consumption throughout an individual’s life. * Insurance for house and other damages allow individuals to secure assets in case of an adverse event. * Liability insurance covers household for damages that might occur to other people. * Life insurance protects relatives in the event of a death and also provides financial support in retirem ent. * Health and accident insurance provides cover when it is needed most. * Credit insurance eases consumption but does protect against excessive debt through pricing and acceptation policies.Another new phenomenon in the insurance industry is Micro insurance. It aims to alleviate poverty, distribute products in new ways and create sustainable financial growth for individuals, families and small scale businesses in underdeveloped countries. The need to provide insurance products is vital if their economies are to develop. People in underdeveloped countries are most at risk to adverse events and they have a significant negative impact on their lives. When a hurricane, flood or other adverse events occur and their homes are destroyed or their livestock is wiped out, these people have no financial compensation.These communities have to start from scratch. Insurance companies recognise that the poor require a range of insurance products that meet their needs. Zurich was an early mover in micro insurance, when it started its first micro insurance programme in Bolivia in 1999. It hasn’t been an easy move due to a lack of trust and confidence by people in underdeveloped countries but if these problems can be resolved there is huge potential for growth in the market and also for a dramatic improvement in economic development in these countries (Pope 2011).Conclusion: When we think of economic development, most attention is devoted to the relationship between the financial markets and economic development with insurance only receiving a passing mention. However in recent times there have been several interesting lines of research into the role the insurance industry plays in economics development. I have shown in this paper how the insurance sector plays a fundamental role in the development of our economy and without insurance we would live in a world that would be less economically developed and much less stable.Insurance supports research and development, i nnovation and new technologies, it supports economic stability and sustainable growth and also supports the sustainable use of resources and helps modernise social protections systems. The evidence suggests that there is substantial potential for the insurance industry to make a greater contribution to economic growth especially in lower and middle income countries. Currently insurance lags behind financial services in the extent of globalisation, but if we can continue to expand the insurance industry we will see substantial growth opportunities.Bibliography Ayadi, R. and O’Brien, C. (2006) â€Å"The future of insurance regulation and supervision in the EU: New developments, new challenges† Buckham, D. , Wahl, J. and Rose, S. (2011) Executive’s Guide to Solvency II, United States of America: The Wiley and SAS Business Series. Coomber, J. R. (2006) â€Å"Natural and Large Catastrophes– Changing Risk Characteristics and Challenges for the Insurance Indust ry†, The Geneva Papers, 2006, 31, (88-95) Kugler, M. and Ofoghi, R. (2005) Does insurance promote economic growth? Evidence from the U. K. University of Southampton Paper, July 2005. Liedkte, P. M. (2007) â€Å"What’s Insurance to a Modern Economy†, The Geneva Papers, 32, (211-221) Lopez, R. S. and Raymond, I. W. (1967) Medieval Trade in the Mediterranean World: Illustrative documents translated with Introductions and Notes, New York: WW Norton & Company Inc. Nolan, B. (2006) â€Å"The Interaction of the Public and Private Health Insurance: Ireland as a Case Study†, The Geneva Papers, 31 (663-649) CEA (2011) â€Å"Better off in Europe: How the EU’s single market benefits you†, available: http://ec. uropa. eu/publications/booklets/move/56/en. pdf Munich RE(2007)â€Å"The fundamental role of insurance†, available: http://www. genevaassociation. org/Portals/0/COP15_Munich_Re_presentation. pdf [accessed 25 October 2012] Pope, C. (2011) â€Å"Do we really need Private Health Insurance†, The Irish Times, 24 Jan, available: http://www. irishtimes. com/newspaper/pricewatch/2011/0124/1224288161882. html Squiddo (2012) â€Å" Principles of risk management†, available : http://www. squidoo. com/the-principles-of-risk-management [accessed 26 October 2012]

For any theory of law, justice or rights to be worthy of our support, Essay

For any theory of law, justice or rights to be worthy of our support, it must involve a necessary connection with morality. To what extent, if at all, do you agree with this view - Essay Example crucial – referring to the fact that the reasons for the introduction of specific legal rules need to be clearly explained to the members of the society in which these rules involved; in practice, this policy is not always applied; instead, laws are developed in accordance with the personal perceptions of legislators. Under these terms, the obligations and the rights set by the laws in the context of a specific state could be doubted as of their credibility; however, there is a series of principles and concepts that are commonly used as the basis for the development of legal rules and the application of which ensures the respect of fundamental human rights and concerns; morality is one of these concepts; the role of morality in the development of various social and political schemes has been proved as quite important; in fact, morality has been employed in many social theories in order to justify the suggestions made for a series of social and political problems; moreover, the existence of morality in social theories increases the chances for the acceptance of these theories by the members of a specific society – or people in the international community. Current paper focuses on the examination of the potential connection between morality and the theory of law, justice and rights; the views of theorists that have studied the specific subject have been used in order to identify and evaluate the various aspects of connection between morality and the theory of law, justice and rights; it is proved that this relationship exists but it is likely to be differentiated in accordance with the social conditions to which each of these theories refer. Generally, social theories that refer to morality have a similar point of reference: the willingness of people for supporting the justice; however, this willingness is not always obvious; it can be expressed through a series of actions or it can be expressed verbally; in any case, this willingness exist – referring to the

Green Bay Packers and their affect on business in Green Bay, Wisconsin Research Paper

Green Bay Packers and their affect on business in Green Bay, Wisconsin - Research Paper Example Green Bay Packers has joined American Professional Football Association in 1921. During the last 93 years of history, Green bay packers have undergone many ups and downs. However, it was successful in winning thirteen league championships in America. It is a record in America as no other professional football team in America was able to come closer to this record yet. The ownerships and management of this famous football club changed time to time during the last 93 years of history. In 1923, Andrew B. Turnbull was elected as the first president of Green Bay Football Corporation. Mark Murphy is the current president and chief executive officer of Packers. Plenty of famous players played for Packers in the past. In the list of Pro Football Hall of Fame in Canton, Ohio, 21 packers’ players have been included so far. Some of the recent players included in that list were Henry Jordan (1995), James Lofton (2003), and Reggie White (2006). The current player, Rodgers is voted as NFLâ €™s Most Valuable Player by The Associated Press in 2012. â€Å"The NFL is one of America’s biggest brands. It is the most popular of all professional sports in the US. It is a $9 billion annual business†3. Business interests are motivating most of the football clubs in the world at present and Green Bay Packers is definitely an exception. ... The owners of these football clubs are billionaires who are more interested in business rather than sports. The performances of these football clubs affect the business positively or negatively. For example, â€Å"Manchester United has reported a 3.3% fall in revenue to ?320.3m ($520m) for the year to 30 June, after its early elimination from the Champions League last season†4. Same way the performances of Packers affects business in Green Bay, Wisconsin positively and negatively. When packers win matches regularly, business in Wisconsin increases. On the other hand, when Packers loses matches regularly, business in Wisconsin faces problems. This paper analyses how the wins and losses of Packers affect business in Green Bay, Wisconsin. Effects of Green Bay Packers on business in Green Bay, Wisconsin â€Å"The Packers led the NFL in apparel sales last year—the top two selling jerseys in the league were Packers Aaron Rodgers and Clay Matthews—making $27 million ju st through the pro shop inside Lambeau Field and the site Packers.com†5. National football league of NFL is the most popular game show in America. Prominent NFL players are big celebrities in America. Packers Aaron Rodgers and Clay Matthews are some of the prominent NFL players in America at present. It should be noted that iconic players always wear jersey of a particular kind. For example, Football legends Maradona and Lionel Messi are interested in number 10 jerseys. FC Barcelona number 10 jersey is one of the most favorite items for the football crazy people all over the world. Same way, the jerseys of packers’ players are bringing huge revenue to the club. Even though

Not sure - suggest Wealth Management and Compliance in the UK Essay

Not sure - suggest Wealth Management and Compliance in the UK - Essay Example These factors subject the historic wealth management attractiveness to low capital and low risks, but with high liquidity in the affected sectors (Fischer, Jonge, Ko, and Toepfer, 2013). The direct commercial effects of the vaulting regulatory costs include depreciation of the wealth management earnings, firms leaving or exiting the sector, and other firms withdrawing their products and services. Notably, these regulatory changes are affecting many businesses across the world; however, United Kingdom is one of the countries that the regulatory changes are affecting its firms. There are numerous regulatory measures in the United Kingdom, but the key regulatory measures that apply in the UK market space include Retail Distribution Review (RDR), (Alternative Investment Fund Managers Directive the (AIFMD), and Foreign Account Tax Compliance Act (FATCA). The FSA created Retail Distribution Review programme in June 2006; however, the programme became operation in December 2012. The FSA’s agenda in creating the RDR is to protect the customer. This programme will affect firms all over re value chain including the product manufacturers. Nonetheless, the major firms that will be affected include the asset managers and insurers and distributors including IFA’s, bonks and wealth managers. The RDR’s main aims include driving the structural changes across the retail investment industry for the customers to have confidence on the products and services they offered (RBC Wealth Report, 2013; Pg. 28). In other words, the RDR compels the firms to provide services and products that suit the needs of consumers. The RDR changed several fundamental aspects of distribution of corporate pensions and investment products including state of advice, adviser changing, professionalism standards, and platforms (Lassignardie, 2013; Pg. 25) . The RDR regulations are currently affecting the distribution models and intermediary markets. On the other hand, the ejection of commission

Global Operation Essay Example | Topics and Well Written Essays - 1000 words

Global Operation - Essay Example Moreover, there may be disagreements between the local community and PPQ (Cateora and Graham 19). This is because PPQ will introduce new employees who will be accompanied by their family members in the host foreign country. The host foreign country will experience strain in its communities and social amenities, for example, schools. This is because the communities and social amenities where PPQ is situated will experience an enhancement in number of individuals largely from PPQ. Also, the host foreign country will experience issues associated with the unfamiliar characteristic of the dealings between employees of PPQ and the existing people of the region where PPQ has decided to establish its stores to sell their products. It is imperative that PPQ anticipates any issues that may have a negative impact on the host foreign country and device ways of dealing with them before it starts its process of expansion. Question 2 International organizations frequently go through abundant cultur al issues when they extend their activities into diverse and new territories. When a company expands to new territories, its employees may have difficulties dealing with clients who are from a diverse and different culture. There is the issue of cultural sensitivity which requires the employees of the international company to accommodate the cultural practices of their clients. In addition, workers of international organizations may face difficulties in overcoming language barriers in the new areas of operation (Cateora and Graham 122). These may pose a severe challenge to the ability of workers providing adequate and sufficient services to the customers. Individuals with an identical value system, religion, beliefs, and language share a similar culture. As a result, this is imparted to every individual in the cultural system. Therefore, workers of international organizations, who are not from the same cultural system as the customers, find it difficult to comprehend the customersâ €™ cultural system, hence affecting the process of interaction. Question 3 Diversity has become an extremely essential subject in the international field. Any knowledgeable businessperson or manager should be aware that the universe is decreasing in size due to opportunities and services facilitated by globalization. Inventions, for example, the internet has made diversity an extremely essential subject in the international field because it has made engaging in business activities in different parts of the world less complicated, and trade is making the most of the opportunities caused by being diverse. In addition, diversity has made a number of financial restraints that were in existence in the past to be eradicated as organizations are attempting to engage in business activities all over and across the universe (Cateora and Graham 159). Also, diversity has become a significant subject in the international field because people are moving from their native lands to look for emp loyment opportunities in other areas. This is evident in areas, for example, Europe and North America where there are individuals of mixed ancestries and races. Therefore, diversity has enable individuals preserve their original identity while being part of different geographic regions. Question 4 There are a number of things that may happen if issues relating to diversity and multiculturalism are not paid attention to in a global organization. One, the international

Action Research- The starting point speech Assignment

Action Research- The starting point speech - Assignment Example This almost astonished me and led me to research the significance of learning English with respect to the impact of pupil’s interest and overall learning achievement. This helped me a great deal in initiating my starting point of research. For the purpose of understanding the impact of pupil’s interest in learning English language on overall learning achievement, I would categorize pupil into groups i.e. intensified interest in which students will be listed who claimed that learning English is very much important for them. The second group will include students who claim that learning English is to understand information in English whenever needed. This will help me understand the students who have more or less interest in learning English (Altrichter). I will also conduct a survey from both the groups before and after undertaking complete activities and tests as per the curriculum. In this way I will be able to measure the learning by evaluation undertaken so far throughout the semester. Also, to note is the fact that there have been a number of researches which have evaluated the learning patterns of non-speaker individuals in English courses but the aspect has been relatively touched to a shallow extent. It is for this reason that my research will help understanding the student’s self-implied approach to learn English language (Altrichter). As a starting point to the research, I will be taking a closer look at the databases to evaluate the past contribution made by different investigators done so far. This will not just help me to learn about the research method but also help in understanding the ethical and moral concerns of the research. I am also going to help my pupil learn English as per the approach they would want to take in the semester instead of putting my own chosen research criteria