Abstract Essay Examples

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The difficulty lies in the abstract nature of the subject itself. Abstract essays often demand a high
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Abstract Essay Examples Abstract Essay Examples
 College Education Gap Analysis
Since the beginning of American history, there has always been a gap in achievement
between the Black and minority community versus their counterparts, the Whites. The
difference between the two groups was that of opportunities. Minorities in the United
States were initially deprived of all chances at prosperity, and Whites were born into a
societal prosperity; an idea that Beverly Tatum calls White Privilege. While it is
important to acknowledge that the educational gap between African American and White
students has diminished in regards to college enrollment, it is important to evaluate the
differences between what affects certain races in attendance and completion of college.
The factors that will be considered are family dynamics, finances,... Show more content
on Helpwriting.net ...
Obviously, a low socioeconomic status is more closely tied to that of a minority. In Susan
Dynarski s experiment, the findings indicate that low socioeconomic African American
students have less contact with faculty, study less, are less involved with student
organizations, work more, and have lower grades than do their high SES peers or all
African American students. Does a student s socioeconomic status correlate with the
relationships they share with their professors and peers with higher socioeconomic
statuses? Furthermore, 9 years after entering college, low SES students report lower
incomes, lower rates of degree attainment and lower aspirations than their high SES
peers, and were less likely to have attended graduate school. Logistic Regression results
indicate that sex, college GPA (Walpole 1). From my experience, students who ve
graduated from my (majority black) high school who had a low socioeconomic status
expressed feelings of disconnect from the students in their chosen institution, especially if
it was a predominately white institution (PWI); they ve felt as though they could not
relate to the people around them. This factor could contribute to a feeling of not
belonging, which proves to be very strong in a student s decision to stay in
 Examples Of Fear In The Alchemist By Paulo Coelho
In the Alchemist by Paulo Coelho, fear dominates within the character. It is caused by
the belief that someone or something is a threat. Fear dreads within the weakest
characters in the story as they fear in disappointment. Throughout Santiago s journey
he experiences different fears, for example his childhood fear of gypsies and believing
in dreams. Another character that struggles with fear is the crystal merchant. He lets
fear rule over him, for he is afraid to make changes and travel to Mecca. At the
beginning, Santiago, a shepherd met a woman in Tariff who interprets dreams. He
suspects she is a Gypsy as he thinks he overheard her pray a Gypsy prayer. As a child
he was frightened to be captured by Gypsies. It was said they had a pact with the devil,
and that they kidnapped children... (Coelho 14) Seeing the woman, he is taken back to
his childhood memories and panic takes over him. Another thing, he had heard they
spent their lives tricking people. Before telling his dream to the woman he became very
nervous.He tries his best to hide it as he doesn t want... Show more content on
Helpwriting.net ...
His dream was to visit the city of Mecca, as every Muslim should at least visit once in
their lifetime. When I was young, all I wanted to do was put together enough money
to start this shop. (Coelho 56) said the merchant. With the shop he hoped to become
rich and travel to Mecca. As he earned money he felt obligated to his shop and and
couldn t trust to leave anyone to take care of his crystals. He had the chance, but the
thought of Mecca...keeps me alive. ( Coelho 57) said the merchant. I m afraid that if
my dream is realized, I ll have no reason to go on living. (Coelho 57) The crystal
merchant fears in completing his dream to travel. He wants to dream on and imagine
what Mecca would hope to be like. He is afraid that it would all be a disappointment...
(Coelho 57) and rather just dream about
 Expectations And Expectations
Expectations are real. Expectation usually creates anticipation for something that has
not yet entered our personal space or domain. As a tree loses leaves and even the whole
branches with the onslaught of strong winds and storms, so shall our expectations die,
and are reborn. We cannot curb them, as the tree could not stop new leaves and branches
from forming. But while they are with us, we must avoid being over demanding. The
hustle for superiority is passionately engraved on the hearts of many and its pursuits
often skip steps which will always demand to be revisited... Our expectationof others is
so great such that it has become the major cause of sadness and disappointment. Greater
expectation that is focused on how we think others should conduct themselves, take on
their assigned responsibilities and etc., will only bring abject sinking and disintegration.
It is for the same reason some who can t stand pressure end up quitting prematurely.
Never be coerced to perform simply to please... Show more content on Helpwriting.net ...
Brother Lamont Coakley says that, When character does not collaborate with your
blessing; your blessing becomes a curse. God s blessings come in form of massive
opportunities without limitation but there is a need for spiritual and emotional
preparation to sustain the availed blessings. Opportunity is often difficult to
recognize. Claude McDonald said that, Opportunity is a bird that never perches. It is
possible not to see an opportunity until it has ceased to be one. It is therefore
advisable to jump at every small opportunity available in bid to get to your intended
destiny. But without characters opportunities become purposeless and abuse is
inevitable. Your characters define who you are. Irrespective of your status in life, no
one can place a value on you far greater than you place on yourself. We can t change the
whole world at one time but we can change the way we live in it one subscriber at a
time, beginning with
 Explain Why I Admire Martin Luther King Jr.
First and for most, I admire Martin Luther King Jr. because he was exceptionally brave
for making a stand for colored people and their rights. He spoke for all colored people
that couldn t or were too scared to have a voice for themselves. By doing so, that itself
speaks volumes about just the type of person he was. Another reason, I admire MLK, is
for being the successful preacher he was in such a tough world he lived in back then. In
February 1948, he became a preacher at an Ebenezer Baptist church in Atlanta, Georgia.
Being a preacher had a huge impact on how he protested because through his
inspirational speeches and his strong faith, he created great strategies on how to
undertake his protests in the most successful ways. Lastly, I admire
 Women s Roles Of Reproduction
Feminists argued that women s roles of reproduction and social attachments in the
domestic sphere constituted an economy and class of its own. This was based on the
role of motherhood and unpaid work at home. Millett (1969) contended in Sexual
Politics for the existence of women s sexuality that was detached from the motherhood
and marriage obligations. Conversely, other lesbian authors such as Audre Lorde and
Adrienne Rich utilized writing, speeches, and poetry in linking women s oppression and
heterosexuality. These rhetoricians asserted that heterosexuality is an unavoidable
institution that is aimed at perpetuating men s power across race and class. In Lorde s
(1984) Sister Outsider: Essays and Speeches and Rich s (1980) On Lies,... Show more
content on Helpwriting.net ...
These authors came to the conclusion that women s emancipation would take place
following the breakdown of capitalism and the emergence of socialism. This conclusion
was based on the idea that this would free women from being depended on the family and
men and ensure their participation in productive activities.
Female rhetoricians documented sexism in both the public and private life and delivered
a condemnation of the gendered socialization patterns. This led to the development of
standpoint feminist that focused on criticizing patriarchy and capitalism with a highly
intricate analysis of the society and its impacts on women from varied situations and
levels (Hartsock, 2003). The necessity of addressing the variations among women
concurrently promoted a theory that emphasized divergences and different standpoints
between them. Consequently, female rhetoric developed into identity politics
characterized by criticism from lesbian and black feminists. In their rhetorical writings,
female authors challenged what was considered as largely a heterosexual, middle class
and white feminist agenda. This was done to highlight separated identity politics that
were based on diversified and contingent intersections of sexuality, race, class, and gender.
Identity feminism stirred interest in the voices and lives of women. This was defined as
womanism or gyno criticism. This approach involved searching for continuity and
authenticity in the cultures of women and understanding
 Percussion Instruments Comparison Essay
The difference between a drum and a percussion instrument creates confusion among
those that don t know the intricacies of both instrument categories. While both
instruments share similar characteristics, a drum consists of a very specific type of
percussion instrument. Percussionists and drummers learn very early on to distinguish
the difference by identifying the specific characteristics of each instrument.

Main Differences

Drums fall under the category of percussion instruments. However, not all percussion
instruments can be considered drums. A drum specifically requires the instrument to
produce an indefinite pitch and applies to instruments that are struck with drumsticks,
mallets, beaters or the hands. Percussion instruments include any instrument that can be
struck or hit with a mallet or that produces an extra musical effect.

Drum Instruments ... Show more content on Helpwriting.net ...

Each of these instruments historically used an animal skin that was stretched over a
membrane. The skin, or drum head, can then be struck to produce rapidly developing
rhythms, booming bass and help to drive the pulse of the piece forward. Drums must
have a skin stretched over the top membrane of the instrument. For this reason, drums are
often referred to as membranophones.

Pitched Percussion

Pitched percussion instruments are also commonly referred to as barred instruments.

These instruments include any percussive instrument that must be struck to create sound,
but produce a definite sound. Some examples of pitched percussion instruments are the
xylophone, marimba, glockenspiel, tubular bells and the celesta. Each of these
instruments are commonly available in symphony orchestras. They serve to provide
accents to the main beats of a musical work and color melodies that double in the
woodwind or brass section of the orchestra.

Non pitched
 Unactuality In Truman Capote s In Cold Blood
It is a fact that Truman Capote published his bestselling novel, In Cold Blood, in
January 1966. It is a fact that Richard Eugene Hickock and Perry Edward Smith
confessed to, and were hanged for the murder of the Clutter family. However, it may not
be true that Capote s new form of novel, the nonfiction novel, is entirely factual as he
claims in numerous interviews. Instead Capoteuses a creative interpretation of events to
manipulate the characters and to advance the narrative of In Cold Blood. Despite Capote
s desire to write a book that was completely factual, the addition of information intended
to influence the audience, the characterization of Perry, and fabrication of certain events
all lead to a book that is less than factual. The novel, In Cold Blood, is Truman Capotes
first attempt to deviate from the traditional mold of the novel, towards a fact based
work of literature, that he called a nonfiction novel. Capote describes his intent with In
Cold Blood to The Saturday Review when he says that I got the idea of doing a really
serious big work it would be precisely like a novel, with a single difference: every word
of it would be true from beginning to end (Voss). In this interview with The Saturday
Review, Capote expresses that In Cold Blood would be written as a record of fact,
juxtaposing the traditional novel that is based on the creation of events and of
characters. However, a novel that is free of the creation of events and certain character
traits seems
 Evaluating Basel
END TERM PROJECT
COMMERCIAL BANK MANAGEMENT

TOPIC 5
BANK CAPITAL MANAGEMENT CAPITAL ADEQUACY FRAMEWORK

Submitted to:

Submitted by: Group 5

Prof. D.N. Panigrahi

Abhishek Singh (2014013)

Anisha jain (2014042)
Bakul Malik (2014072)
Gurusha Godwani (2014100)
Ketki Chaturvedi (2014133)

CHAPTER 1
BANK CAPITAL MANAGEMENT CAPITAL ADEQUACY FRAMEWORK

INTRODUCTION
Bank capital is often defined in tiers or categories that include shareholders equity,
retained earnings, reserves, hybrid capital instruments, and subordinated term debt.
Capital ratios are commonly measured as a percent of bank assets or risk weighted bank
assets.
Bank capital serves as an important cushion against unexpected losses. It creates a strong
... Show more content on Helpwriting.net ...
Banks list their capital adequacy ratios in their financial reports. The CAR is important to
shareholders because it is an important measure of the financial soundness of a bank.

Two types of capital are measured with the CAR. The first, tier 1 capital, can absorb a
reasonable amount of loss without forcing the bank to cease its trading. The second
type, tier 2 capital, can sustain loss in the event of liquidation. Tier 2 capital provides
less protection to its depositors.
Because of the nature of risk under which banks operate, capital regulations require banks
to maintain a minimum level of equity per loans and other assets. This required minimum
is designed for protection, allowing banks to sustain unanticipated losses. The minimum
is also designed to offer depositors confidence in the security of their deposits given the
asymmetric information.
An individual depositor cannot know if a bank has taken risks beyond what it can absorb.
Thus, depositors receive a level of assurance from shareholders equity, along with
regulations, audits and credit ratings.
The amount of equity a bank receives from shareholders sets the limit on the value of
deposits it can attract. This also limits the extent to which the bank can lend money. If a
bank sustains large losses through credit or trading, eroding the bank s net worth, this
causes a decreased fund base through which a bank can offer loans.
The CAR provides