Persuasive Essay On Transgenders - 1524 Words

Female sports are being ruined, because males are identifying themselves as females and competing with an unfair advantage. The biological men are causing a big problem around the world. They are breaking records and winning competitions in wrestling, weightlifting, track, softball, volleyball, basketball, mixed martial arts, and more. Transgenders competing in women’s sports ask for equality, but it is proven that men are bigger and stronger than women, so they are making the sports unfair for the biologically born women. You are either born as a male or a female, with this being said, you get all the attributes that come with that. Everyone identified as a transgender needs to realize that they cannot change their sex. There have been†¦show more content†¦More hemoglobin allows the muscles to work harder for a longer period of time. The higher aerobic capacity, gives men the advantage over women when running events over 800 meters. Men also have longer and stronger bones, they are denser and have stronger ligaments, which make men less prone to injury. Longer bones allow for men to be taller and have greater leverage and because the bones are also stronger, they help support their larger body frame. This can be a huge advantage when competing in sports such as wrestling, weightlifting, football, and mixed martial arts. On another occasion of events a mixed martial arts competitor, claimed to be overpowered when she fought a transgender female. She announced that her opponent had a stronger grip that was beyond anything she had ever gone against. A male has bigger hands and shoulders, they are mechanically better, so they can throw harder and faster punches. The transgender managed to knock out the female within the first two minutes of the first round. I am not surprised as it is basically a man fighting a woman. Many times lawsuits are filed against organizations, because of their rules that don’t allow transgender women to play. A law suit was once filed against the International Women’s Football League, because a transgender was denied the right to play for them. The league will only accept biologically born female players, since they believe that Transgenders have an advantage. TheShow MoreRelatedPersuasive Essay On Transgender Women1891 Words   |  8 Pagesthan what a man would make. When it comes to transgender women the situations are much difficult and more complex. Conversely when people hear the term â€Å"transgender† some individuals have a lot to say and there’s many debates on this topic. Society does not believe that transgender women are defined as a woman. Every year the number of transgender women increases drastically and the suffrage they go through worsen as the days go by. Nevertheless, transgender women deal with people arguing about theirRead MoreGender Dysphori Misunderstood.1779 Words   |  8 Pages Gender Dysphoria: Misunderstood Haley Harrison Ethics 212: Professor Cockerham Research/Critical Thinking Essay December 5, 2015 Gender Dysphoria is a name given to the condition of children who express a gender that is opposite of their biologically given gender. Children and teens who present and verbalize the desire to be of the opposite gender for at least six months are then diagnosed and treated medically. This issue is ethically controversial due to many parents, medicalRead MoreGender Identity As An Axis Of Social Order1611 Words   |  7 PagesSweden in 2012 when a third gender-neutral pronoun hen was proposed as an addition to the already existing Swedish pronouns for she(hon) and he(han). The pronoun ‘hen’ can be used both generically, when gender is unknown or irrelevant, and as a transgender pronoun for people who categorize themselves outside the gender dichotomy. The aim is to enhance the language by making it easier to speak about a person without specifying their gender. Swedish speakers are trying to promote the use of ‘hen’ asRead MoreGender And Gender : A Sociolo gical Perspective On A Clearer Perception Of The Philosophy And Professional Objectives2099 Words   |  9 PagesThis essay explores gender in a clearer perception of the philosophy and professional objectives to develop a foundation for deeper analytical studies. The assumptions made that gender is biologically determined is rebutted when applied to the case of intersexuality and transgender. As gender is a prà ©cised ecclesiastical constructionist paradigm and while humans are born with a certain sex orientation, it does not determine the way one dresses or behaves (DeLamater19998, pp. 15-16). This essay thenRead MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 PagesCommunication 341 †¢ Nonverbal Communication 341 Organizational Communication 342 Formal Small-Group Networks 343 †¢ The Grapevine 343 †¢ Electronic Communications 345 †¢ Managing Information 349 Choice of Comm unication Channel 350 xiv CONTENTS Persuasive Communications 351 Automatic and Controlled Processing 351 †¢ Interest Level 352 †¢ Prior Knowledge 352 †¢ Personality 352 †¢ Message Characteristics 352 Barriers to Effective Communication 353 Filtering 353 †¢ Selective Perception 353 †¢ Information

The Declaration Of Biafra Speech - 1428 Words

This Declaration of Biafra Speech as retrieved on 15 August 2008 raises the issue of ‘Self-Determination’. Self-determination is the principle in international law that allows nations the right to freely choose their sovereignty and international status without external interference. The right of nations to self-determination is a cardinal principle in modern international law, binding, as such, on the United Nations as an authoritative interpretation of the Charter’s norms. It states that nations based on respect for the principle of equal rights and fair equity of opportunity have the right to freely choose their sovereignty and international political status with no external compulsion or interference which can be traced back to the†¦show more content†¦Further feelings of injustice were caused by Nigeria, changing its currency so that Biafra supplies of pre-war Nigerian currency were no longer honoured, at the end of the war; only  £20 was given to any easterner despite whatever amount of money he or she had in the bank. This was applied irrespective of their banking in pre-war Nigerian currency or Biafra currency. This was seen as a deliberate policy to hold back the Igbo middle class, leaving them with little wealth to expand their business interests. The total dead on the Biafra side is estimated to be between 1-3 million dead with hundreds of thousands injured and millions more refugees. While the Nigeria oil boom of the 1970 s went some way to ameliorating the pains brought about by the war, the ethnic tensions that caused the war still haunt Nigerian politics till today. The question is, ‘Why was Biafra denied their right to self-determination, bearing in mind that genocide existed then’? From 1999 to the present day, the indigenous people of Biafra have been agitating for independence to revive their country. They have registered a human rights organisation known as Bilie Human Rights Initiative both in Nigeria and in the United Nations to advocate for their right to self-determination and achieve independence by the rule of law. The United Nations respect the right of all peoples to choose the form of government under which they will live, and theyShow MoreRelatedEssay on Human Rights, War and Terrorism1226 Words   |  5 Pagesthe Universal Declaration of Human Rights 1948 provides for this right. The violation of this right goes unnoticed but it is the first step to the violation of the other rights. 2. The right to self-determination: This is the most controversial of all this rights. It is easier obtained with the support of super powers and readily crushed with the lack of consent from the super powers. The people of Bangladesh were given this right in 1971 and the Biafra people in NigeriaRead MoreLearning for the Cuban and Nigerian Revolution2010 Words   |  9 Pagesexpression, torture, and a laundry list of offenses, the Castro leadership continues to follow in the footsteps of their predecessor. Cuba is still held under close scrutiny by the international stage and though they have violated the Universal Declaration of Human Rights from the U.N, they potentially could alter their political climate to avoid future conflict. Cuba has a long history of corruption in its leadership from President Prio’s political factions, dictatorship from Batista, and now humanRead MoreHistory of Ife/Modekeke Crisis4543 Words   |  19 Pagespeople were often depicted with large heads because the artists believed that the Ase was held in the head, the Ase being the inner power and energy of a person. Their rulers were also often depicted with their mouths covered so that the power of their speech would not be too great. They did not idealize individual people, but they tended rather to idealize the office of the king. The city was a settlement of substantial size between the 9th and 12th centuries, with houses featuring potsherd pavements

Challenges of Canadian Pharmaceutical-Free-Samples for Students

Question: Write an Essay on Challenges of Canadian Pharmaceutical Policy. Answer: Canadian pharmaceutical policy involves both provincial and federal levels of Government. The federal Government is involved in the manufacturers intellectual property rights, initial approval, prescription drugs labeling and looking after the competitive nature of the overall market. The provincial government on the other hand has jurisdiction and responsibility of the healthcare facilities funding, including the pharmaceuticals (Daw Morgan, 2012). The federal government regulates the prices of drugs, but does not buy the drugs. The provincial government has no power over market pricing and competitiveness (Ridic, Gleason Ridic, 2012). However, one issue that is associated with pharmaceutical policies is the non-disclosure of payments to doctors by the drug or pharmaceutical companies (Stamatakis, Weiler Ioannidis, 2013). A lack of transparency was observed, when the pharmaceutical companies made payment disclosures. It is necessary for the federal government to take immediate responsibility of the issue and ask the companies to provide a list of the doctors who received payments from the drug companies and what were the amounts paid. This policy research essay will provide information about Canadian pharmaceutical policies and provide analysis of the above mentioned issue. This essay at first determine the history of the policy challenge, provide an overview of the current policies and provides recommendations from the research carried out. Pharmaceutical or drug companies develop relationships with physicians, doctors and other healthcare workers in order to generate business through them by utilization of a variety of processes (Bending, 2015). These include giving gifts, personal services, entertainment and even payments. These activities have a significant potential for generation of abuse and fraud (Mackey Liang, 2012). Moreover, the companies do not disclose these payments made to the doctors. Patients also remain in the dark about the illegal payments of pharmaceutical companies to doctors. This results in prescribing drugs by the doctors that are highly expensive and sometimes are not associated with proper approvals by the FDA (Choi, 2015). This affects the patients monetarily as well as unapproved drugs may cause harm to the patients in the long run. Moreover, a non-disclosure of such payments is considered unethical and also prevents the involvements of patients in clinical trials. There are a number of evidences that can be unearthed from the past regarding physician payments that are not disclosed by pharmaceutical companies. Both companies as well as medical practitioners believe that development of relationship between the medical professionals and pharmaceutical companies will help in the development of academic research. These academic research can later be translated into drug development (Board, 2012). However, various malpractices are carried out, where the drug companies pay the medical professionals like doctors but do not disclose these payments to the government and the public in general. A certain level of transparency is to be maintained so that the public also come to know about the dealings between these organizations. Previously, such events have taken place and are described here. In 1976, in Canada, there were reports of high costs related to pharmaceutical industry. Moreover, there were reports of pharmaceutical companies spending large amo unts of money not only on research but also on promotional activities, which included undisclosed payments to physicians. Various Canadian pharmaceutical companies who had provided payments to doctors included AbbVie Corp, GSK Canada, Merck Canada, Novartis Pharmaceutical Canada, Eli Lilly Canada, among others (A Almeman, 2017). Various psychiatrists like Charles Nemeroff and Alan Scatzberg were charged for taking undisclosed payments from various pharmaceutical companies. In April, 2011, Johnson and Johnson were charged of bribing doctors in Poland, Greece and Romania to buy the drugs manufactured by them. They spent 7.6 million dollars on providing travel grants for doctors. The company earned 3.5 million dollars profit from product sales through bribery (Www.sec.gov, 2017). Other incidents that occurred in the past include Eli Lilly, who was charged in 2012 of paying government officials in order to increase sales in China, Poland, Brazil and Russia. Others include Pfizer, charged for carrying out illegal payments in various Asian and European countries. In 2014, Endo Pharmaceuticals were charged for mis-promotion of Lidoderm, which is a local anesthetic. GlaxoSmithKline was also charged for selling drugs not approved by the FDA (Www.ipsen.com, 2017) Past approaches that were carried out to rectify the challenge faced in the health sectors included restriction of interactions between doctors and representatives of the pharmaceutical companies. Moreover, payments if made would have to be disclosed to the Government and reported. The aim of the approach was to prevent the pharmaceutical industry to modulate the prescribing behaviors of the doctors. In the 1960s, there were various debates regarding the appropriateness in the relationships of the pharmaceutical companies and doctors. In 1991, American Medical Association (AMA) issued various rules and guidelines regarding undisclosed payments and gifts that are given to clinicians, physicians and doctors by the pharmaceutical companies (Breault, Shenson Dugdale, 2015). From that time onwards, attention was paid to pharmaceutical marketing methods as a result of the rise of marketing strategies and increased drug prices. According to the AMA, gifts valued below 100 dollars are allow ed if they provide patient benefit and associated with a doctors practice. Moreover, meals can be funded to doctors by pharmaceutical companies if it is modest and is carried out in association with an educational or academic component (DuBois et al., 2012). The guidelines effective from 2009, also prevent non-educational or practice associated gifts like pens to be given to clinicians, physicians and doctors. However, the guidelines permitted the pharmaceutical companies to provide meals, educational gifts and drug samples which are less than 100 dollars to the doctors. The Association of American Medical Colleges (AAMC) endorsed policies that describe the public disclosure of relationships between pharmaceutical companies and doctors (Reddi, 2013). However, the limitations associated with these policies are that the AMA ethics guidelines are not followed by majority of the doctors. Moreover, according to the guidelines, the physicians can receive gifts that are worth less than 100 dollars. However, small value gifts can also influence the behavior practice of the physicians. Thus, the Government has to play an essential role in reducing such promotional marketing strategies used by the pharmaceutical companies. Improvements of payment transparency between clinicians and pharmaceutical companies have been a focus for the Government. The approaches used can be defined as disclosure of physician payments and gifts, ban on physician gifts, Limiting the sale of prescribing data for marketing purpose, licensing of pharmaceutical sales representatives and public funding of academic detailing programs(Patwardhan, 2016). Various state lawmakers have proposed numerous laws, which can be applied for reducing the effects of gifts or payments made by pharmaceutical organizations in the physicians practices. Thus, Government regulations provide a legal enforcement credibility that forces the pharmaceutical companies to comply with the Government regulations. However, there are limitations like the regulated organizations can find loopholes in the law and can flout them by challenging the validity of such enforcements. Current approaches that were carried out to rectify the challenge includes the involvement of the Securities and Exchange Commission, where the pharmaceutical companies involved in bribing doctors were asked to give detailed accounts of the payments made to the respective doctors. This information was asked to be provided in the company website. This will enable the public to view the dealings made between the pharmaceutical companies and the healthcare members like doctors, general practitioners, among others. In 2012, the Australian Competition and Consumer Commission (ACCC) demanded Medicines Australia to include payment disclosures involving doctors and pharmaceutical companies (Www.accc.gov.au, 2017). The respective transparency principle was applicable to all the therapeutic companies. Moreover, it also included the health professionals like clinicians, doctors, among others. Other approaches involve those made by the United States, like the US Physician Payment Sunshine Act, w hich requires various pharmaceutical companies to provide details of all the payments to the Centre for Medicare and Medical Services (CMS) (Www.ama-assn.org, 2017). Moreover, apart from payments, other transfers of high value like gifts or travel grants were also included. All the data collected were eventually be reported to the public to maintain transparency in the dealings of the pharmaceutical world. In Ontario Canada, the Government is planning to enforce rules and regulations that would force the pharmaceutical companies to disclose the payments made by them to the doctors. Other approaches of the current world include fines and criminal penalties, inclusion of tax policies, among others (Www.cbc.ca, 2017). Such a proposed legislation will enable the public including the patients to get proper information that would empower them to make better decisions regarding healthcare. It also enables patients to either accept or reject a prescribed drug and also change doctors if need ed. Moreover, a central online database will enable any person to view the dealings between medical organizations and pharmaceutical companies. Some regulatory strategies towards undisclosed payments involve command and control, self regulation, market enhancing and incentives control, disclosures and liabilities and rights laws. These help to either determine the offenders or impose penalties one caught. Command and control implies to criminal sanctions and states that such unofficial payments by pharmaceutical organizations to doctors and other healthcare facilities, are not acceptable and severe penalties are liable to be enforced if discovered. The relevance of the strategy towards healthcare sector involves standards of behaviour and other codes of conduct, which is to be followed to avoid criminal penalties. However, the limitation of this strategy is that the penalties function only when the incentives are sufficient and the enforcing of such strategy depends on the independence of the regulator. The next strategy is self-regulation, which involves regulations by professional medical associations. The relevance of thi s strategy is that the medical association itself designs some standards or codes of conduct which is to be followed by all members of that medical association. However, the limitations involve that the incentive should be high enough to implement possible penalties (Www.researchgate.net, 2017). Another strategy is the market enhancing and incentives controls, which provide appreciation and inducements when regulations and general codes of conducts are followed. are followed. This helps to legalize private practice by doctors. Legalization of private practice is one way of increasing competition in the health sectors as it provides a wide range of options for the patients to choose from. Moreover, it also opens up new income sources for the practitioners. This practice in turn will increase the benefits of the doctors and thereby prevent acceptance of unofficial payments. This strategy, however, has limited scope because the attention of the doctors will be shifted from the benefits of the public health sector to private practices for their own benefits. However, such a strategy can be applied to those health facilities, where the competitions are very weak (Mahmoud Mahmoud, 2016). The most important strategy is disclosure, which involves identifying the offenders involved in carrying out undisclosed payments. This puts pressure on the offenders as it affects the reputations of both the pharmaceutical companies and the doctors. Policy makers if disclose the names of the hospitals that are the best and worst with respect to following a code of conduct, those who are the worst will feel the pressure to improve their standards. It will also help to generate list of healthcare facilities like hospitals taking undisclosed payments. The importance of this approach is that public surveys can help to determine the amount of money paid and to whom and the necessary reasons for the payment. However, there are limitations of this strategy, which includes the acceptance of the public that payments are not beneficial. The public may think that good payments may increase their access to better doctors, or chance of getting good health facilities, which in turn can give rise to unofficial payments to doctors by patients themselves (Loewenstein, Sah Cain, 2012). Lastly, the right and liabilities law provides a standard code of law protected consumer or patient rights. This may in turn help to limit the requirements of unofficial payments. Thus, customer rights can be maintained by imposing civil action or criminal prosecution against those who do not follow the legal system. However, limitations of such a strategy involves that such a strategy places the responsibility of the regulation on an individual and not the organization in general. Moreover, in order to avoid getting criminally prosecuted, private settlements of unofficial payments will be more attractive (Jahangiri Aryankhesal, 2017). There are various means to obtain data regarding the pharmaceutical policy issues. The data was gathered by traditional means, which included interviews with patients, healthcare facility members like general practitioners, doctors, clinicians and also the pharmaceutical company representatives. Moreover, other means include government websites, which provide information about the amount of money paid by pharmaceutical organizations to healthcare workers like doctors. The pharmaceutical company websites also give information about how much money they have paid to the doctors. Moreover, by searching a doctors name, the websites provide information about the nature of the payments. The websites break down the payments into consulting fees, travel and stay expenses, research fees, foods, beverages and grants. Moreover, data can be obtained from government reports, news articles, literature reviews, and journal articles. Proper analysis of the data obtained from various resources revealed that a close relationship exists between doctors and pharmaceutical industries. These relationships are mainly based on finances. However, such payments are usually not official and are not disclosed. However, in the recent times, disclosures of these payments are carried out. These financial collaborations encompass research funding to personal investments, direct physician payments like travel grants, gifts, meals, among others. The organizations should remain transparent in order to provide the information about such dealings to the general public. Moreover, such malpractices reduce the credibility of both the medical organizations as well as that of the pharmaceutical companies. Various strategies have been implied by the Government, however, the companies find out various loop holes in the policies and guidelines thereby protecting themselves from criminal prosecutions. In the current age, drug companies who ar e found to be involved in such activities were charged. Moreover, recent reforms force the drug companies to disclose the payments in their annual reports or the websites. Such undisclosed payments are a type of marketing strategy that the companies adapt in order to make the physicians favor the prescription of the drugs made by the company. However, this may cause the patients to buy certain drugs, which are very expensive even though other cheaper and effective options are available in the market (Kalotra, 2014). Moreover, some companies try to promote the drugs, which have not been clinically approved by organizations like the FDA. These may have serious implications as use of such drugs may lead to serious health consequences concerning the health of patients. Such mal practices when discovered not only tarnishes the reputations of the companies and the medical organization but also the doctors in general. It also decreases the faith of the public including the patients in the healthcare system. The patients pay a huge amount of money, in not only doctor consultations and treatments but also to buy medicines, which are prescribed by doctors. It is necessary for bringing about new policies by the Governments as well as the medical organizations that define a series of code of conducts to be followed by the companies and the hospitals. A breach of such conduct should entitle to criminal prosecutions and legal actions. The Ontario Government has taken such a drastic step, where they have said that a bill will be generated that will require public disclosure of unofficial payments made to healthcare employees like doctors by the pharmaceutical companies. Thus, it can be concluded that curbing of financial dealings between companies and healthcare sectors are essential in order to prevent wastage of large amounts of money in promotional strategies. Such reforms may also help to decrease the costs of drugs in the future, which are at an ever-rising stage. References A Almeman, A. (2017).Direct-To-Physician Advertising and Antibiotic Utilization in Upper Respiratory Tract Infection: A Critical Analysis. Retrieved 2 November 2017, from https://www.omicsonline.org/direct-to-physician-advertising-and-antibiotic-utilization-in-upper-respiratory-tract-infection-a-critical-analysis-2153-2435.php?aid=16347view=mobile Bending, Z. J. (2015). Reconceptualising the doctorpatient relationship: Recognising the role of trust in contemporary health care.Journal of bioethical inquiry,12(2), 189-202. Board, E. S. C. (2012). Relations between professional medical associations and healthcare industry, concerning scientific communication and continuing medical education: a policy statement from the European Society of Cardiology.Revista Portuguesa de Cardiologia (English Edition),31(7), 529-538. Breault, J. L., Shenson, D., Dugdale, L. S. (2015). Ethics of physician relationships with industry.Hospital Medicine Clinics,4(4), 565-580. Choi, R. (2015). Increasing Transparency of Clinical Trial Data in the United States and the European Union.Wash. U. Global Stud. L. Rev.,14, 521. Daw, J. R., Morgan, S. G. (2012). Stitching the gaps in the Canadian public drug coverage patchwork? A review of provincial pharmacare policy changes from 2000 to 2010.Health Policy,104(1), 19-26. DuBois, J. M., Anderson, E. E., Carroll, K., Gibb, T., Kraus, E., Rubbelke, T., Vasher, M. (2012). Environmental factors contributing to wrongdoing in medicine: A criterion-based review of studies and cases.Ethics behavior,22(3), 163-188. Jahangiri, R., Aryankhesal, A. (2017). Factors Influencing on Informal Payments in Healthcare Systems: A Systematic Review.Medical Ethics Journal,11(40), 73-92. Kalotra, A. (2014). MARKETING STRATEGIES OF DIFFERENT PHARMACEUTICAL COMPANIES.Journal of Drug Delivery and Therapeutics,4(2), 64-71. Loewenstein, G., Sah, S., Cain, D. M. (2012). The unintended consequences of conflict of interest disclosure.Jama,307(7), 669-670. Mackey, T. K., Liang, B. A. (2012). Transparency in Physician-Industry Relationships: State and Federal Efforts.AJSP: Reviews Reports,17(4), 144-147. Mahmoud, M. A., Mahmoud, M. A. (2016). Consumer trust and physician prescription of branded medicines: an exploratory study.International Journal of Pharmaceutical and Healthcare Marketing,10(3), 285-301. Patwardhan, A. R. (2016). Physicians-Pharmaceutical Sales Representatives Interactions and Conflict of Interest: Challenges and Solutions.INQUIRY: The Journal of Health Care Organization, Provision, and Financing,53, 0046958016667597. Reddi, A. (2013). New guidelines for the disclosure of academic-industry financial ties and modeling professionalism during medical education.JAMA pediatrics,167(12), 1091-1092. Ridic, G., Gleason, S., Ridic, O. (2012). Comparisons of health care systems in the United States, Germany and Canada.Materia socio-medica,24(2), 112. Stamatakis, E., Weiler, R., Ioannidis, J. (2013). Undue industry influences that distort healthcare research, strategy, expenditure and practice: a review.European journal of clinical investigation,43(5), 469-475. Www.accc.gov.au. (2017).ACCC proposes to strengthen new individual reporting in pharmaceutical code.Australian Competition and Consumer Commission. Retrieved 2 November 2017, from https://www.accc.gov.au/media-release/accc-proposes-to-strengthen-new-individual-reporting-in-pharmaceutical-code Www.ama-assn.org. (2017).Physician Financial Transparency Reports | Sunshine Act | AMA.Ama-assn.org. Retrieved 2 November 2017, from https://www.ama-assn.org/practice-management/physician-financial-transparency-reports-sunshine-act Www.cbc.ca. (2017).Ontario bill would require disclosure of pharmaceutical payments to health professionals.CBC News. Retrieved 2 November 2017, from https://www.cbc.ca/news/canada/toronto/ontario-bill-would-require-disclosure-of-pharmaceutical-payments-to-health-professionals-1.4308278 Www.ipsen.com. (2017).Cite a Website - Cite This For Me.Ipsen.com. Retrieved 2 November 2017, from https://www.ipsen.com/wp-content/uploads/2016/04/IPSEN_DDR_2015_VA.pdf Www.researchgate.net. (2017). Retrieved 2 November 2017, from https://www.researchgate.net/publication/286517835 Www.sec.gov. (2017).SEC Charges Johnson Johnson With Foreign Bribery.Sec.gov. Retrieved 2 November 2017, from https://www.sec.gov/news/press/2011/2011-87.htm

Burger King vs Mcdonalds free essay sample

The battle of the battle of creating a better burger has been going on since businesses began to sell hamburgers and compete with other businesses selling the same product. To create the better burger is the goal of any business that sells burgers since having the best will draw in customers, increase sales, and help to establish repeat business. It seems that in the past couple of decades there has been a battle of the burgers with two worldwide established fast food restaurants between the McDonalds franchise verses the Burger King franchise. These two companies have been competing in marketing and product sales for more than the past thirty years. Both McDonalds and Burger King have their own signature burger for which the different franchises are known for; the Big Mac to represent McDonald’s whereas the Whopper represents Burger King. So goes the battle of the burger between McDonald’s and Burger King, Big Mac in opposition to the Whopper which one will draw in the customers and help the franchise to corner the burger market. We will write a custom essay sample on Burger King vs Mcdonalds or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Both franchises offer fast and friendly service, with the options to dine in the restaurant or chose the drive thru. When considering two options of a quick burger while on the go, the Big Mac sandwich from McDonalds or the Whopper sandwich from Burger King, I feel that the Whopper is a better choice. Even though the calories are high in both the Big Mac and the Whopper I think that the Whopper is a healthier as well as better tasting choice of the two different burgers.

Asian Crisis Essay Research Paper Asian Crisis free essay sample

Asiatic Crisis Essay, Research Paper Asiatic Crisis The fiscal crisis that erupted in Asia in mid-1997 has led to crisp diminutions in the currencies, stock markets, and other plus monetary values of a figure of Asiatic states. It is difficult to understand what these diminutions will really make to the universe market. This diminution is expected to halve the rate of universe growing in 1998 from the four per centum that was projected pre-crisis to an estimated result of about 2 per centum. The states that are included in the East Asiatic crisis, known as # 8220 ; Tiger # 8221 ; economic systems, are Hong Kong, Indonesia, South Korea, Malaysia, the Philippines, Singapore, Taiwan and Thailand. For these states to take part efficaciously in the exchange of goods, services, and assets, an international pecuniary system is needed to ease economic minutess. To be effectual in easing motion in goods, services, and assets, a pecuniary system most significantly requires an efficient balance of payments adjustment mechanism so that shortage s and excesss are non prolonged but are eliminated with comparative easiness in a moderately short clip period. We will write a custom essay sample on Asian Crisis Essay Research Paper Asian Crisis or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The Asiatic crisis of recent falls into this class of inefficient balance of payments facilitated by depreciation of its currency. By competitively deprecating its currencies, Asia is exporting its deflation, its overcapacity and its deficiency of growing to the West, peculiarly to the US. History The past 10 or 15 old ages have seen an unprecedented enlargement in the extent to which the states of the universe are tied together, both by instant communicating and by international trade, establishments, and markets, including fiscal markets. On the whole, this procedure of globalisation has been an tremendously positive development. It has opened new markets, enhanced competition, spurred invention, and provided new chances for workers, husbandmans, and concerns around the universe. For illustration more than 40 per centum of US exports today are absorbed by developing states, an extraordinary addition over past export forms, and the occupations associated with these exports are high -paying, good occupations. The increasing productiveness of our trading spouses has helped maintain rising prices down and better criterions of life in the United States. And outside the US, likely 100s of 1000000s of people have been lifted out of poorness around the universe by the economic growing and trade over the past 20 or 30 old ages. Effectss of the Global Economy In this new planetary economic system, states are more tightly linked than of all time before to each other’s fates. A decennary ago, a prostration in the currency of a little, distant state like Thailand would hardly hold rated a reference in the typical American newspaper. Last twelvemonth, nevertheless, that currency clang triggered a crisis in other East Asiatic states that has dominated intelligence coverage in a manner that no other foreign fiscal crisis has of all time done earlier in this state. The ground for the alteration is that we now have more at interest than of all time before in the economic public presentation of these states. Not merely are they major clients for our merchandises ; the rich states and developing states are besides progressively linked by fiscal ties. In 1996, the developed states including the US invested more than 250 billion in emerging markets, and this is compared to approximately 20 billion 10s old ages before. Much of this money was from Bankss ( particularly in Japan and Europe ) , although US common financess, pension financess, and single investors besides participated. But whatever its beginning, the extent of this investing means that economic convulsion in East Asia has a direct fiscal impact on the developed world’s capital markets, including our ain. Indeed, a brief dip in US stocks last October was widely attributed to turmoil in the Hong Kong stock market that was, in bend, linked to the crisis set off by Thailand’s currency clang. What were the causes? Throughout the East Asiatic crisis many different thoughts have been proposed to what the cause or causes were. Attempts to place the cardinal causes of a fiscal crisis ever suffer from the job of separating penetration from hindsight. Many fiscal journalists today have said the the crisis was the inevitable counsquence of: â€Å"overvalued excha nge rates, big current history shortages, short-run capital influxs, opaque fiscal systems, or one of several other purportedly fatal defects in East Asiatic capitalism.† It seems just to state that a twelvemonth ago cipher suspected that a catastrophe like what we have seen was possible, although all of the features that are now described as the fatal defects of the East Asiatic economic systems were moderately widely understood even so, at least by experts. sing a vocal of six pence:1999

Biography of Manfred von Richthofen, The Red Baron

Biography of Manfred von Richthofen, The Red Baron Baron Manfred von Richthofen (May 2, 1892–April 21, 1918), also known as the Red Baron, was only involved in World War Is air war for 18 months- but he shot down 80 planes in that time, an extraordinary feat considering that most fighter pilots achieved a handful of victories before being shot down themselves. Fast Facts: Manfred Albrecht von Richthofen (the Red Baron) Known For:  Winning the Blue Max for downing 80 enemy planes in World War I.Born: May 2, 1892, in Kleinburg, Lower Silesia (Poland)Parents: Major Albrecht Freiherr von Richthofen and Kunigunde von Schickfuss und Neudorff.Died: April 21, 1918, Somme Valley, France.Education: Wahlstatt Cadet School in Berlin, Senior Cadet Academy at Lichterfelde, Berlin War Academy.Spouse: None.Children: None. World War I was a bloody war, fought in muddy trenches and overwhelmed with slaughter. Yet a few soldiers escaped this anonymous end: fighter pilots. They volunteered to fly when just going up in an airplane seemed heroic, given the odds. Baron Manfred von Richthofen, who liked to fly in a blazing red airplane and shoot down plane after plane. His achievements made him both a hero and a propaganda tool. With 80 credited victories, Baron Manfred von Richthofen, the Red Baron, defied the odds and became a legend in the air. Early Life Manfred Albrecht von Richthofen was born on May 2, 1892, in Kleiburg near Breslau of Lower Silesia (now Poland), the second child and first son of Albrecht Freiherr von Richthofen and Kunigunde von Schickfuss und Neudorff. (Freiherr is equivalent to Baron in ENglish). Manfred had had one sister (Ilsa) and two younger brothers (Lothar and Karl Bolko).   The Richthofens came from a long line that could be traced back to the sixteenth century. Many in the family raised merino sheep and farmed on their lands in Silesia. In 1896, the family moved to a villa in the nearby town of Schweidnitz. There, his Uncle Alexander, who had hunted in Africa, Asia, and Europe, fired in Manfred a passion for hunting. Even before Manfred was born, Albrecht von Richthofen had decided that his first son would follow in his footsteps and join the military. Albrecht himself had become one of the first Richthofens to become a career military officer. Unfortunately, a daring rescue to save several other soldiers who had fallen into the icy Oder River had left Albrecht deaf and with an early retirement. Manfred did follow in his fathers footsteps. At age eleven, Manfred entered the Wahlstatt cadet school in Berlin. Though he disliked the schools rigid discipline and received poor grades, Manfred excelled at athletics and gymnastics. After six years at Wahlstatt, Manfred graduated to the Senior Cadet Academy at Lichterfelde which he found more likable. After completing a course at the Berlin War Academy, Manfred joined the cavalry. In 1912, Manfred, after having been commissioned as Leutnant (lieutenant), was stationed in Militsch (now Milicz, Poland). In the summer of 1914, World War I began. To the Air When the war began, Manfred von Richthofen was 22 years old and stationed on Germanys eastern border, but was soon transferred to the west. During the charge into Belgium and France, Manfreds cavalry regiment was attached to the infantry for whom Manfred conducted reconnaissance patrols. However, when Germanys advance was halted outside of Paris and both sides dug in, the need for cavalry was eliminated. A man sitting on horseback had no place in the trenches. Manfred was transferred to the Signal Corps where he laid telephone wire and delivered dispatches. Frustrated with life near the trenches, Richthofen looked up. Though he didnt know which planes fought for Germany and which ones fought for their enemies, he knew that airplanes - and not the cavalry - now flew the reconnaissance missions. Yet becoming a pilot took months of training, probably longer than the war would last. So instead of flight school, Richthofen requested to be transferred to the Air Service to become an observer. In May 1915, Richthofen traveled to Cologne for the observer training program at the No. 7 Air Replacement Station. Even though Richthofen didnt have to fly the airplane, he still had to go up in one. Richthofen Gets Airborne At seven oclock the next morning I was to fly for the first time as an observer. Naturally, I was very excited, because I could not imagine what it would be like. Everyone I asked told me something different. The night before I had gone to bed earlier than usual to be fresh for the great moment next morning. We drove to the airfield and I sat in an airplane for the first time. The blast of wind from the propeller disturbed me greatly. It was impossible to make myself heard by the pilot. Everything flew away from me. If I took a piece of paper out, it disappeared. My flying helmet slipped off, my muffler loosened too much, and my jacket was not buttoned securely - in short, I was miserable. Before I knew what was happening, the pilot got the engine up to full speed and the machine began rolling, faster and faster. I hung on frantically. Then the shaking stopped and we were in the air. The ground slipped away beneath us. During this first flight, Richthofen lost the sense of his location and thus was unable to give the pilot directions. So they landed. Richthofen continued to study and learn. He was taught how to read a map, drop bombs, locate enemy troops, and draw pictures while still in the air. Richthofen passed observer training and was then sent to the eastern front to report enemy troop movements. After several months of flying as an observer in the East, Manfred was told to report to the Mail Pigeon Detachment, the code name for a new, secret unit that was to bomb England. Richthofen had his first air fight on September 1, 1915. He went up with pilot Lieutenant Georg Zeumer, and for the first time, spotted an enemy aircraft in the air. Richthofen had only a rifle with him and though he tried several times to hit the other plane, he failed to bring it down. A few days later, Richthofen went up again, this time with pilot Lieutenant Osteroth. Armed with a machine gun, Richthofen fired at the enemy plane. Then the gun became jammed. Once Richthofen unjammed the gun, he fired again. The plane started to spiral and eventually crashed. Richthofen was elated. However, when he went back to headquarters to report his victory, he was informed that kills in enemy lines did not count. Meeting His Hero On October 1, 1915, Richthofen was on board a train heading for Metz. After entering the dining car, he found an empty seat, sat down, and then noticed a familiar face at another table. Richthofen introduced himself and found that he was talking to the famous fighter pilot Lieutenant Oswald Boelcke. Frustrated at his own failed attempts to shoot down another plane, Richthofen asked Boelcke, Tell me honestly, how do you really do it? Boelcke laughed and then replied, Good heavens, it indeed is quite simple. I fly in as close as I can, take good aim, shoot, and then he falls down.2 Though Boelcke hadnt given Richthofen the answer he had hoped for, a seed of an idea was planted. Richthofen realized that the new, single seated Fokker fighter (Eindecker) - the one that Boelcke flew - was much easier to shoot from. However, he would need to be a pilot to ride and shoot from one of those. Richthofen then decided he would learn to work the stick himself.3 Richthofen asked his friend Zeumer to teach him to fly. After many lessons, Zeumer decided Richthofen was ready for his first solo flight on October 10, 1915. Richthofens First Solo Flight There are few moments in life that produce as nervous a sensation as the first solo flight. Zeumer, my teacher, announced to me one afternoon: You are ready to fly alone. I must say that I would rather have answered: I am too afraid. But this could never come from a defender of the fatherland. Therefore, good or bad, I had to swallow my cowardice and sit in the machine. . . . The engine started with a roar. I gave it the gas and the machine began to pick up speed, and suddenly I could not help but notice that I was really flying. Suddenly it was no longer an anxious feeling, but, rather, one of daring. Now it was all up to me. No matter what happened, I was no longer frightened. Richthofen, after much determination and perseverance, finally passed all three of the fighter pilot examinations. On December 25, 1915, he was awarded his pilots certificate. Richthofen spent the next several weeks with the 2nd Fighting Squadron near Verdun. Though Richthofen saw several enemy planes and even shot one down, he wasnt credited with any kills because the plane went down in enemy territory with no witnesses. The 2nd Fighting Squadron was then sent to the East to drop bombs on the Russian front. Collecting Two-Inch Silver Trophies On a return trip from Turkey in August 1916,  Oswald Boelcke  stopped to visit with his brother Wilhelm, Richthofens commander. Besides a brotherly visit, Boelcke was scouting for pilots that had talent. After discussing the search with his brother, Boelcke invited Richthofen and one other pilot to join his new group called Jagdstaffel 2 (hunting squadron) in Lagnicourt, France. Jagdstaffel 2 Suddenly in the early morning there was a knock at the door and before me stood the great man with the Pour le Mà ©rite. I really did not know what he wanted of me. To be sure, I knew him . . . but it did not occur to me that he had sought me out to invite me to become a pupil of his. I could have hugged him when he asked whether I wanted to go to the Somme with him. By September 8, 1916, Richthofen and the other pilots that had been invited to join Boelckes Jagdstaffel 2 (often abbreviated to Jasta) had arrived in Lagnicourt. Boelcke then taught them all he had learned about fighting in the air. On September 17, it was Richthofens first chance to fly a combat patrol in a squadron led by Boelcke. On Combat Patrol   We were all beginners; none of us had previously been credited with a success. Whatever Boelcke told us was taken as gospel. We knew that in the last few days he had shot down at least one Englishman a day, and many times two every morning. . . . We approached the enemy squadron slowly, but it could no longer escape us. We were between the Front and the enemy. If he wanted to go back, he would have to go by us. We counted seven enemy airplanes, and opposed them with only five. . . . The Englishman near me was a big, dark-colored barge. I did not ponder long and took aim at him. He shot and I shot, but we both missed. The fight then began. I tried to get behind him because I could only shoot in the direction I was flying. This was not necessary for him, as his observers rotating machine gun could reach all sides. But this fellow was no beginner, for he knew very well that the moment I succeeded in getting behind him, his last hour would be sounded. At the time I did not have the convi ction I have now that he must fall, but, rather, I was much more anxious to see if he would fall, and that is a significant difference. . . .Then, suddenly, his propeller turned no more. Hit! The engine was probably shot to pieces, and he would have to land near our lines. Reaching his own positions was out of the question. I noticed the machine swaying from side to side; something was not quite right with the pilot. Also, the observer was not to be seen, his machine gun pointed unattended up in the air. I had no doubt hit him also, and he must have been lying on the floor of the fuselage. The enemy airplane landed in German territory and Richthofen, extremely excited about his first kill, landed his airplane next to his enemys. The observer, Lieutenant T. Rees, was already dead and the pilot, L. B. F. Morris died on the way to the hospital. It was Richthofens first credited victory. It had become customary to present engraved beer mugs to pilots after their first kill. This gave Richthofen an idea. To celebrate each of his victories, he would order himself a two-inch-high silver trophy from a jeweler in Berlin. On his first cup was engraved, 1 VICKERS 2 17.9.16. The  first number  reflected what number kill; the word represented what kind of airplane; the third item represented the number of crew on board; and the fourth was the date of the victory (day, month, year). Later, Richthofen decided to make every tenth victory cup twice as large as the others. As with many pilots, to remember his kills, Richthofen became an avid souvenir collector. After shooting down an enemy aircraft, Richthofen would land near it or drive to find the wreckage after the battle and take something from the plane. A few of his souvenirs included a machine gun, bits of the propeller, even an engine. But most popularly, Richthofen removed the fabric serial numbers from the aircraft. He would carefully pack these souvenirs up and send them home to be placed in his room. In the beginning, each new kill held a thrill. Later in the war, however, Richthofens number of kills had a sobering effect. When it was time to order his 61st silver trophy, the jeweler in Berlin informed him that because of the scarcity of metal, he would have to make it out of ersatz (substitute) metal. At that time, Richthofen decided to end his trophy collecting. His last trophy was for his 60th victory. An End to Trophy Collecting On October 28, 1916, Boelcke, Richthofens mentor, went into the air as he had on most other days. However, during an aerial battle, a horrible accident occurred. While trying to evade an enemy, Boelcke and Lieutenant Erwin Bà ¶hmes plane grazed each other. Though it was only a touch, Boelckes plane was damaged. While his plane was rushing toward the ground, Boelcke tried to keep control. Then one of his wings snapped off. Boelcke was killed on impact. The news that this famous flyer had died affected the morale of Germany. Boelcke had been their hero and now he was gone. Germany was saddened but wanted a new hero. Richthofen continued to make kills, making his seventh and eighth kill in early November. After his ninth kill, Richthofen expected to receive Germanys highest award for bravery, the Pour le Mà ©rite. Unfortunately, the criteria had recently changed, and instead of nine downed enemy aircraft, a fighter pilot would receive the honor after sixteen victories. Richthofens continued kills were drawing attention to him. Though he was now considered a flying ace, he was still among several who had comparable kill records. Richthofen wanted to distinguish himself. Though several other flyers had painted different sections of their planes special colors, Richthofen noticed that it was difficult to see these during a battle. To get noticed, from the ground and from the air, Richthofen decided to paint his plane bright red. Ever since Boelcke had painted the nose of his plane red, the color had been associated with his squadron. However, no one had yet been so ostentatious as to paint their entire plane such a bright color. The Color Red One day, for no particular reason, I got the idea to paint my crate glaring red. After that, absolutely everyone knew my red bird. If fact, even my opponents were not completely unaware. Richthofen understated the colors effect on his enemies. To many, the bright red plane seemed to make a good target. It was rumored that the British had put a price on the head of the red planes pilot. Yet when the plane and pilot continued to shoot down airplanes and continued itself to stay in the air, the bright red plane caused respect and fear. The enemy created nicknames for Richthofen:  Le Petit Rouge, the Red Devil, the Red Falcon,  Le Diable Rouge, the Jolly Red Baron, the Bloody Baron, and the Red Baron. However, the Germans never called Richthofen the Red Baron; instead, they called him  der rà ¶te Kampfflieger  (The Red Battle Flier). Though Richthofen had become a great hunter on the ground, he was constantly perfecting his game in the air. After achieving sixteen victories, Richthofen was awarded the Pour le Mà ©rite on January 12, 1917. Two days later, Richthofen was given command of  Jagdstaffel 11. Now he was not only to fly and fight but to train others to do so. The Flying Circus April 1917 was Bloody April. After several months of rain and cold, the weather changed and pilots from both sides again went up into the air. The Germans had the advantage in both location and aircraft; the British had the disadvantage and lost many, many men. In April, Richthofen shot down 21 enemy aircraft bringing his total up to 52. He had finally broken Boelckes record (40 victories), making Richthofen the new ace of aces. Richthofen was a hero. Postcards were printed with his image and stories of his prowess abounded. Yet heroes in war dont necessarily last long. Any day, the hero might not come home. The war planners wanted to protect the German hero; thus ordered rest for Richthofen. Leaving his brother Lothar in charge of  Jasta 11  (Lothar had also proven himself a great fighter pilot), Richthofen left May 1, 1917, to visit Kaiser Wilhelm II. He talked to many of the top generals, spoke to youth groups, and socialized with others. Though he was a hero and received a heros welcome, Richthofen just wanted to spend time at home. On May 19, 1917, he was again home. During this time off, the war planners and propagandists had asked Richthofen to write his memoirs, later published as  Der rote Kampfflieger  (The Red Battle-Flyer). By mid-June, Richthofen was back with  Jasta 11. The structure of the air squadrons changed in June 1917. On June 24, 1917, it was announced that Jastas 4, 6, 10, and 11 were to join together into a large formation called  Jagdgeschwader I  (Fighter Wing 1) and Richthofen was to be the commander. J.G. 1 came to be known as The Flying Circus. Things were going magnificently for Richthofen until a serious accident in early July. While attacking several pusher planes, Richthofen was shot. Richthofen Is Shot Suddenly there was a blow to my head! I was hit! For a moment I was completely paralized [sic] . . . My hands dropped to the side, my legs dangled inside the fuselage. The worst part was that the blow on the head had affected my optic nerve and I was completely blinded. The machine dived down.8 Richthofen regained part of his eyesight around 2600 feet (800 meters). Though he was able to land his plane, Richthofen had a bullet wound in the head. The wound kept Richthofen away from the front until mid-August and left him with frequent severe headaches. Last Flight As the war progressed, Germanys fate looked bleaker. Richthofen, who had been an energetic fighter pilot early in the war, was becoming increasingly distressed about death and battle. By April 1918, Richthofen, the Red Baron, had long ago proven himself a hero. He had far surpassed Boelckes record for he was nearing his 80th victory. He still had headaches from his wound that bothered him greatly. Though he had grown sullen and slightly depressed, Richthofen still refused his superiors requests for him to retire. On April 21, 1918, the day after he had shot down his 80th enemy aircraft, Manfred von Richthofen climbed into his bright red airplane. Around 10:30 a.m., there had been a telephoned report that several British aircraft were near the front and Richthofen was taking a  group  up to confront them. The Germans spotted the British planes and a battle ensued. Richthofen noticed a single airplane bolt out of the melee. Richthofen followed him. Inside the British plane sat Canadian Second Lieutenant Wilfred (Wop) May. This was Mays first combat flight and his superior, Canadian Captain Arthur R. Brown, who was also an old friend, ordered him to watch but not participate in the fight. May had followed orders for a little while but then joined in the ruckus. After his guns jammed, May tried to make a dash home. To Richthofen, May looked like an easy kill so he followed him. Captain Brown noticed a bright red plane follow his friend May; Brown decided to break away from the battle and try to help his old friend. May had by now noticed he was being followed and was frightened. He was flying over his own territory but couldnt shake the German fighter. May flew close to the ground, skimming over the trees, then over the Morlancourt Ridge. Richthofen anticipated the move and swung around to cut May off. Death of the Red Baron Brown had now caught up and started firing at Richthofen. And as they passed over the ridge, numerous Australian ground troops fired up at the German plane. Richthofen was hit. Everyone watched as the bright red plane crashed. Once the soldiers who first reached the downed plane realized who its pilot was, they ravaged the plane, taking pieces as souvenirs. Not much was left when others came to determine exactly what happened to the plane and its famous pilot. It was determined that a single bullet had entered through the right side of Richthofens back and exited about two inches higher from his left chest. The bullet killed him instantly. He was 25 years old. There is still a controversy over who was responsible for bringing down the great  Red Baron. Was it Captain Brown or was it one of the Australian ground troops? The question may never be fully answered. Baron Manfred von Richthofen, the Red Baron, was credited with bringing down 80 enemy aircraft. His prowess in the air made him a hero during World War I and a twentieth-century legend. Sources Burrows, William E.  Richthofen:  A True History of the Red Baron.  New York: Harcourt, Brace World, Inc., 1969.Kilduff, Peter.  Richthofen:  Beyond the Legend of the Red Baron.  New York: John Wiley Sons, Inc., 1993.Richthofen, Manfred Freiherr von.  The Red Baron.  Trans. Peter Kilduff. New York: Doubleday Company, 1969.

ACCOUNTING CASE STUDY- EXECUTIVE SUMMARY Study Example | Topics and Well Written Essays - 500 words

ACCOUNTING - EXECUTIVE SUMMARY - Case Study Example Since CCL is an existing client for GE Capital, it should approve the loan at a lower interest rate of 4% and, on the other hand, extend the loan payment period to ten years. By doing this, it will achieve their strategy of keeping existing customers. The CCL financial statements indicate that it generates sufficient cash flow of a net earnings of $97.120 that is able to finance the interest payment of the new loan on a monthly basis. On the other hand, the CCL debt to equity ratio will not exceed 4: 1 when the new loan is included as required by CEF (Dirubbo). Loan disapproval to CCL: Disapproving loan to CCL will not favor the company’s strategy of keeping existing customers. In case the company loses CCL, It will have to find a new client to replace, and this requires the company to incur some costs hence not economical in the end. Hence, the cost of replacing existing clients could enable the company to find and win new businesses. The cost of losing existing clients as compared to finding new ones outweighs in the end. Therefore, to minimize the impact of losing CCL as well as the extra costs of finding new businesses, the company should approve the loan (Plumlee et al.). Short-term plan: The loan approval for $ 306, 000 to CCL to finance the trucking contract between Ford and the supplier is recommendable. The company should reduce the rate of interest from five percent to four percent and extend the period of payment to ten years. This will reduce the monthly payments facilitating provision of monthly reports of financial activities of CCL for the first year of loan repayments. The implementation of the loan approval on an immediate time is required since CCL meets the company’s requirements. This will motivate CCL to continue being clients and even attracting new businesses as well. Medium Term Plan: After the first year, the payments are separated to quarterly submission until the first loan of $ 36,000 is financed within the period of 8 years