The Annuities Advantages and Disadvantages

Killer Whales essays

Killer Whales essays Order Family. The killer whale is the largest in its family of delphinid. Bottlenose dolphins, common dolphins, and Pacific white-sided dolphins are included in this group as well. The scientific name for this family is Delphinidae. Fossil Record. Modern forms of both odontocetes and mysticetes can be seen in the fossil record of five to seven million years ago. Scientists believe that early whales arose about fifty-five to sixty-five million years ago from, now extinct, ancient land mammals that happened to venture back into the sea. Distribution. Killer whales can be found in all oceans of the world. They are the most numerous in the Arctic Ocean and the Antarctic. However, their distribution is limited by seasonal pack ice. Habitat. The main living environment for killer whales is open oceans but they can also be found in coastal waters as well. Migration. Killer whales are very important in the oceans because they cause much of the migration of many fish and other prey. The movements of the killer whale to and from certain areas cause the other prey to move as well. Population. The worldwide population of killer whales is unknown, however they are not endangered whatsoever. Specific populations in a few areas have been estimated in recent years and some areas of the Antarctic alone have about 180,000 killer whales. The population can be distinguished because killer whales travel in pods, or groups. The resident pods can vary from as few as five to as many as fifty whales...

Teen-age pregnancy Research Paper Example | Topics and Well Written Essays - 500 words

Teen-age pregnancy - Research Paper Example Nowadays, percentage of the high school males and females that have sexual intercourse is 48 and 45 respectively (CDC cited in Klein). These factors could be alleviated with the ready access to free condoms through schools and other agencies. For a lot of African American girls, the academic career culminates in the teenage pregnancy. Most parents don’t educate their daughters further after she becomes pregnant. The pregnant teenagers invite the wrath of the family and incur societal insult and embarrassment. Many countries have very strict rules in place regarding the division of responsibility of teenage pregnancy between the teenage boy and the girl that have had sexual intercourse. In most of the cases, the boy has to assume the role of financial provider for the family. Teenage sexual intercourse exposes both sexual partners to a lot of health risks. More than 9 million of the total 19 million cases of the sexually transmitted infections (STIs) that surface on the yearly basis occur in people that are aged between 15 and 24 years (â€Å"Teenage pregnancy†). These STIs include but are not limited to Syphilis, Chlamydia and HIV. â€Å"Nationwide, 12.7% of students had been tested for HIV, not counting tests done when donating blood† (CDC 23). Teenage pregnancy often causes unfavorable outcomes for the baby. Health of the fetus is fundamentally dependent upon the health of the mother. In addition to the natural immaturity of the body, several internal and external factors also play an important role in the undernourishment of the girl and the fetus. Such factors include but are not limited to embarrassment, anxiety, poverty and lack of responsibility. Many of the babies born in the teenage pregnancy have a low birth weight. â€Å"11.7 percent of 15-year-old mothers had a low-birthweight baby in 2006; 18,403 babies were born to girls this age, with 2,153 of low birthweight† (Martin et al). Most teenage mothers want to have the

Fundamentals of Communication Essay Example | Topics and Well Written Essays - 1000 words

Fundamentals of Communication - Essay Example 29-44). In other words, the information comes under sharing and transmission in such a way that the receiver must understand the meaning of the exchanged information. However, verbal communication is one of the modes of transmitting the information that also involves face-to-face communication. Sound, words, and language are the few essential elements that come under association with the verbal communication. Although, the authenticity of the origin of the language come under exposure to substantial assumptions and theories, yet several people believe that fundamental sound that incorporate natural sounds and expressions of emotions and gestures are the leading cause for the development of the language. While, on the other hand, according to various theorists, the development of the language is the outcome of the group activities or people working in amalgamation with each other (Alberts et al, pp. 51-57). The history and records reveal the fact that, more than three thousand languages come under speaking by the inhabitants of the globe in the present day. Moreover, it has also come under observation that class, gender, age, and a variety of other social factors exhibit the development of the languages (Alberts et al, pp. 39-56). Although, it has also come under view that the vast and extensive range of languages at many occasions creates complexities between them, yet a single language can eliminate these problems. In addition, language plays a profound and critical role in creating and communicating the meaning (Alberts et al, pp. 12-19). It is the elementary quality of human intelligence to give meaning to the verbal, non-verbal, and written words to communicate. Therefore, people make use of language to â€Å"express, create and interpret meanings so that they can establish and sustain social and interpersonal associations and

History Final Exam Assignment Example | Topics and Well Written Essays - 1000 words

History Final Exam - Assignment Example In return, serfs looked after the lord’s land, took care for his animals and carried out other everyday jobs to sustain the estate. Peasant women contributed in the farm labor with their husbands. All peasants whether free or serfs were indebted with particular jobs to the lord. These included no less than a few days of toil every week and a specified share of their grain. The manor was for the most part a self-reliant community where serfs and peasants brought up or created almost all that they and their lord required for everyday life. For the license of living on the lord’s property, peasants paid off a lofty price. They paid a levy on all grain pounded in the lord’s mill. Peasants also paid a tax on matrimony. Weddings occurred only with the lord’s permission. Following all these expenditures to the lord, peasant families were obligated to the community priest a tithe or church tax. For the majority of serfs, life was work and more work. Back in the 7th and 8th centuries, in the Middle East, one of the fastest growing and now the second largest religion in the world was just emerging. Muhammad, its founder, was born in roughly around 570 C.E. in the city of Mecca in the Arabian Peninsula. At 40, he started to experience a succession of spiritual encounters and later taught a stringent monotheism. There is only one God and that is Allah. Proper religious conviction, as said by him, is made up solely in the surrender to Allah’s will. In a few years after his death, everything he taught were documented in Islam’s holy book, the Qur’an. Subsequently, Islam widened with boundless intensity all over the Mediterranean world starting from the Arabian Peninsula in the Middle East to North Africa, the Western world and even to the boundaries of India and China. In approximately 30 after Muhammad’s death, a great split happened in Islam and was divided into Sunni and

Different Restaurant That Observation Tourism Essay

Different Restaurant That Observation Tourism Essay Customer service and satisfaction can be difficult to evaluate. One method of evaluating service level is through mystery shopping. Identify at least three types of hospitality business to evaluate for your mystery shopping activity. Create a comprehensive survey for your mystery shopping activity which must include at least ten question relating to a variety of customer service question. After you have finished, review the result and write a report to provide clear information and any pertinent details that further explain the responses. 1.1 Introduction Three types of different restaurant that I go are Pizza hut, McDonalds and KFC. 1.2 Report Three types of different restaurant that observation are Pizza hut, McDonalds and KFC. The observation are on Friday 5 October 2012, Saturday 6 October 2012 and Tuesday 9 October 2012. The first mystery shopping that observe are on Friday 5 October 2012, the observation was conduct at Pizza hut. The observe is look at serving time of the food will long time because need to cook. For example, chicken pepperoni need to cook. If many customer we have to wait the pizza around 30 minutes. Next are the observe is look are the staff listening skill very good because they know how to communicate to the customer. Such as, the waiters will reply again the customer order. Beside that the observe is look is the uniform of the staff are neat and beautiful. For example, all the staff wearing neat and beautiful. After that the observe is look at the place that customer eating are neat and clean. Such as, the place that customer eating are neat and clean. Next are the observe that i look are in there the staff very friendship with the customer. For example, the staff friendship with the customer that will give customer will come back they restaurant again. The second mystery shopping that observe are on Saturday 6 October 2012, the observation was conduct at McDonalds. The observe is look at the service time of the food are faster because there food is ready early then the customer coming. For example, burger are ready early then the customer buy it. If any food finish ready then the customer have to wait 5-10 minutes only can get there food. Next are the observe is look are they listening skill of the staff are very good because they know how communicate to the customer. Such as, the staff know what the customer order. Beside that the observe is look is the uniform of the staff are neat and beautiful. For example, all the staff wearing neat and beautiful. After that the observe is look at the place that customer eating are neat and clean. Such as, the place that customer eating are neat and clean. Next are the observe that i look are in there the staff very friendship with the customer. For example, the staff friendship with the custo mer that will give customer will come back they restaurant again. The third mystery shopping that observe are on Tuesday 9 October 2012, the observation was conduct at KFC. The observe is look at the service time of the food are faster because there food is ready early then the customer coming. For example, original and spicy chicken are ready early then the customer buy it. If any food finish ready then the customer have to wait 5-10 minutes only can get there food. Next are the observe is look are the listening skill of the staff are very good because they know how communicate to the customer. Such as, the staff know what the customer order. Beside that the observe is look is the uniform of the staff are neat and beautiful. For example, all the staff wearing neat and beautiful. After that the observe is look at the place that customer eating are neat and clean. Such as, the place that customer eating are neat and clean. Next are the observe that i look are in there the staff very friendship with the customer. For example, the staff friendship wit h the customer that will give customer will come back they restaurant again. Pizza_Hut_Logo.jpg kfc-forecasts-increase-with-new-breakfast-menu.jpg mcdonalds.jpg 1.3 Conclusion From this question 1, I have learn three type of different restaurant how their staff serving, listening skill , the place clean or not? and so on. The first restaurant that I go is Pizza hut, the second restaurant that I go is McDonalds and the last restaurant that I go is KFC. QUESTION 2 Assume that you have bought a new shop lot and want to open a restaurant. As a service provider what would you need to consider when you want to open the restaurant and how would you do to get your customer? Do you agreed if say that you need to consider demographic factor in identifying your customer? Why? 2.1 Introduction Yes, I agree to start a restaurant we need to deciding on a restaurant concept, choosing a location for restaurant, finding the perfect restaurant name, writing a business plan, writing the menu, staffing a restaurant, and equipping a restaurant. Demographic information includes characteristics like age, income, marital status, education stage in the family life cycle, home ownership, sex, zip code, occupation, household size, mobility patterns, ethnic background and religion. Demographic information is a straightforward and basic method of identifying customer. 2.1 Starting a restaurant To start a restaurant we need to deciding on a restaurant concept, choosing a location for restaurant, finding the Perfect restaurant name, writing a business plan, writing the menu, staffing a restaurant, and equipping a restaurant. Firstly are deciding on a restaurant. We have to deciding what type of restaurant that want to open will depend of a variety of things. If want to open a restaurant we have to plan what type of food that we like to cook and serve to the customer, in an atmosphere they feel comfortable in. Secondly are choosing a location for restaurant. Location is vital to the success of any restaurant. There are several factors to consider when searching for that perfect restaurant location, including population base, local employment figures and accessibility. Once you find that perfect location, you will need to make sure you negotiate the best lease possible for your restaurant. Thirdly are writing a business plan. To prepare for your interview with the bank, we need to do your homework. Creating a business plan that outlines your restaurant and how we plan to make it profitable, will show the loan officer we mean business. Also make sure we arrive at the bank with all the necessary paperwork, including personal income statements, tax returns and anything else the banker ask we for. Fourthly are finding the perfect restaurant name. Restaurant names may reflect a theme (Mexican, Chinese, Continental), a location, or simply be a play on words. The important thing to consider is the impression it will leave on customers. Select a name that will be easy to customers to remember and spell. Nothing is more frustrating than not being able to find a restaurant online or in the Yellow Pages because you arent spelling it correctly. Fifthly are writing the menu. Your menu is a huge part of my restaurant. After all, it is essentially why my customers keep coming back. They love the food. The layout and design is just as important as whats listed on the menu. Avoid amateur looking menu designs, such as clip art or photocopied handwriting. Finally, knowing how to price the menu will help increase your profit margins, giving me more money to invest into my restaurant. Sixthly are staffing a restaurant. Hiring the right staff is crucial to any new restaurant. Good food loses much of its appeal if it accompanied by bad service. Knowing the basic employee roles of the back of the house and the front of the house will help you select the best candidate for the job. Experience counts for important positions, such as head cook, dining room manager and bartender. Seventhly are equipping a restaurant. Outfitting your restaurant kitchen, dining room and bar is the largest part of your start up budget. Shop around for bargain deals of used equipment and leased equipment. Also understanding needs vs. wants is important in avoiding the pitfalls of buying unnecessary furniture and equipment, which can set you way over budget. Begin with the basics, and once you have those you can pick up a few extras. 1.3 Demographic factor Demographic information includes characteristics like age, income, marital status, education stage in the family life cycle, home ownership, sex, zip code, occupation, household size, mobility patterns, ethnic background and religion. Demographic information is a straightforward and basic method of identifying customer. 1.4 How to get a customer? To get a customer using five needs of every customer. Five needs of every customer are every customer comes into the customer situation with differing wants while want are frequently hard to identify and may occasionally be unrealistic. The five basic need are service, price, quality, action and appreciation. The firstly are service. Customer expect the service that they think is appropriate for level of purchase that they are making. A small, spontaneous purchase may have a smaller service need than a larger purchase that has been carefully planned and researched. The secondly are price. The cost of everything we purchase is becoming more and more important. People and business want to use their financial resources as efficiently as possible. Many product previously considered unique are now considered commodities. This mean that while a consumer previously had to travel to the the local hamburger restaurant to purchase a hamburger, now one can be acquired at many other locations. This make the component of price even more important to the customer. The thirdly are quality. Customer want the product that they purchase to be durable and functional until the customer decides to replace them. The requirement of quality mandates that manufacturers and distributors produce products that live up to the customers expectations of durability. Customers are much less likely to question price if they are doing business with a company that has a reputation for producing a high quality product. Fourthly are action. Customers need action when a problem or question arises. Many companies offer toll-free customer assistance telephone lines, flexible return policies, and customer are human begins and like to think that they are an important priority and that when a need or question arises someone will be ready and waiting to help them. Lastly are appreciation. Customers need to know that we appreciate their business. Customer service providers can convey this appreciation in many appropriate ways. Saying thank you to the customer through our words and actions is a good starting point. Preferred customer mailing lists, informational newsletters, special discounts, courtesy, and name recognition are good beginnings to showing our customers our appreciation. Additionally, letting them know that we are glad that they have chosen to do business with us conveys a positive message. A fast- food restaurant has a sign in its drive-through lane that say we know that you could eat somewhere else; thank you for allowing us to serve you. 1.5 Conclusion From this question 2, i have learn about how to open a restaurant, how to get a customer and the demographic factor. To start a restaurant we need to deciding on a restaurant concept, choosing a location for restaurant, finding the Perfect restaurant name, writing a business plan, writing the menu, staffing a restaurant, and equipping a restaurant. Next are, to get a customer using five needs of every customer. Five needs of every customer are every customer comes into the customer situation with differing wants while want are frequently hard to identify and may occasionally be unrealistic. Beside that are to get a customer using five needs of every customer. Five needs of every customer are every customer comes into the customer situation with differing wants while want are frequently hard to identify and may occasionally be unrealistic

The Small Business Administration (SBA) Essay -- GCSE Business Marketi

The Small Business Administration (SBA) In July of 1953 the United States Congress amended an act called the Small Business Act. Many believed that the essence of the American economic system of private enterprise is free competition. Also, that only through full and free competition can free markets, free entry into business, and opportunities for expression and growth of personal initiative and individual judgment can be assured. Thus, the Small Business Act was amended. In order to carry out the policies of this Act there was hereby created an agency under the name "Small Business Administration". The United States Small Business Administration, more commonly known as the SBA, is a federal agency to protect and assist America's greatest resource, the small business. Since American enterprise is the backbone of our economy and the driving force behind economic growth and prosperity. ?The mission of the Small Business Administration (SBA) is to maintain and strengthen the Nation's economy by aiding, counseling, assisting, and protecting the interests of small businesses and by helping businesses and families recover from disasters.? The SBA's mission is to create economic development through small businesses. To put it in simple terms, the SBA helps businesses get started and helps established businesses grow. The SBA has many functions; here we discuss the six of the functions that small businesses should look at. The first function of the SBA is Business Development, based on management assistance through information, counseling, training and conferences, utilizing the following programs: Â · Services Corps of Retired Executives (SCORE) Â · Small Business Institutes (SBI) Â · Small Business Development Centers (SBDC) Â · ... ...er loans are primarily to help homeowners, renters, and businesses of all sizes for rebuilding there disrupted home or business. When the natural disaster victims need to barrow money to rebuild uninsured damages, it is a good way to go, when you go to the SBA because of the low interest rates, and long-term availability from the SBA. The key things about the loans are that they fix them to your economic standing. Since the SBA was implemented in 1953 the disaster loan assistance program has approved 1.14 million loans and has loaned out more than 16 billion dollars. The SBA has four distinct offices that deal with disaster loans and they are located in Sacramento California, Atlanta Georgia, Ft. Worth Texas, and Niagara Falls New York. The offices are located in very distinct areas of concentration. Due to the fact of geographical storms or natural disasters.