The Lost Secret of Ielts Essay Samples Band 9 Pdf

The Lost Secret of Ielts Essay Samples Band 9 Pdf Get the Scoop on Ielts Essay Samples Band 9 Pdf Before You're Too Late Put simply, it discusses the negative elements of advertising. There are not any grammar mistakes in the answer and there's a great selection of complex structures. The variety of grammatical constructions used seems quite excellent. There is a vast range of rather natural vocabulary necessary to spell out a graph and there are not any spelling mistakes. On the flip side, some individuals believe that it isn't a great sign and needs attention. Today, young children aren't feeling enough responsibilities above their shoulders. To a lot of individuals, it's appropriate to marry for money as opposed to love. So, for lots of people, it may appear appropriate to marry for money instead of love. The Appeal of Ielts Essay Samples Band 9 Pdf Think about what you could say in several circumstances that may come up during the test. At the close of the book, ther e are numerous practice tasks for you to use. Check out whether you may turn the page with some arrow keys or click a particular portion of the display, aside from utilizing the mouse to deal with everything. Make sure you prepare for the right variant of the test. What About Ielts Essay Samples Band 9 Pdf? A more part of advertising which I would consider unethical is the manner it encourages people to purchase products they might not need or cannot afford. To start with, the fact which we cannot escape from advertising is a substantial cause for complaint. It doesn't even show recognition of the true problem that client is attempting to address. A new job, for example, might present challenges that push the individual to adapt, acquire new expertise, or increase their skill set. To truly know how to compose a winning proposal, first you want to comprehend what a losing one looks like. Certainly, money is a significant role in our lives. Certainly, it plays an important part in our lives. Hence, it's said, marry for money is right in some degree. Even then, provide relevant answers and prevent rambling on about everything it is possible to think about. If you attempt to answer a question you don't understand, you will almost surely become incoherent. You may be amazed at how simple the questions are! The question can help you with the structure of your talk. Up in Arms About Ielts Essay Samples Band 9 Pdf? These IELTS sample essays are categorised in a manner that makes it simple for you to observe how certain essay question types ask you to supply certain responses to be sure the question is totally answered. On these pages it is possible to view some letter writing samples. CONCLUSION In conclusion, distributing information absolutely free of charge can help in some specific facets but can also be damaging to society. However you're feeling about writing research papers, there's always something you'll be able to learn how to produce t he process more efficient. Please be aware, if you're applying to an organisation you must check with them to be sure you pick the appropriate IELTS test. Practice makes perfect in regards to IELTS Writing. IELTS speaking isn't an academic test. Don't forget, the IELTS exam is largely a test for people whose first language isn't English. The Ielts Essay Samples Band 9 Pdf Chronicles To summarize, many facets of advertising do appear to be morally wrong and aren't acceptable in the present society. To summarize, both beneficial and detrimental results on local people and the environment can be viewed as a consequence of the increase in trips to distant regions. Also, certain kinds of information in the incorrect hands can be devastating for society. Thus, the simple accessibility to the internet makes it possible for people to connect and network with different nations and be exposed to their cultures. Look to realize that the preparation materials incorporate ample exerc ises. Experience letter has to be signed by authority with complete name and designation. Look to confirm that the preparation material offers you concrete suggestions about how to turn question-answering into real communication and organic conversation. Whilst you might have suspected, bringing up a Fabric network isn't a trivial undertaking. There are several smart scientists who don't have the funds to acquire important info to finish their research. The opening paragraph has all of the important details about the graph but itparaphrasesthe question. It's hard for any persons to accept a partner that does not have money or no less than a job to look after future family. It's hard for any persons to accept a partner who doesn't have money or no less than a job to manage their upcoming family. How to Get Started with Ielts Essay Samples Band 9 Pdf? By utilizing different techniques of page turn you may also improve your eBook encounter. You could also use completely fre e software that may give the readers that have many functions to the reader than simply a very simple platform to read the desirable eBooks. Check to find that the entire vocabulary you have to describe information precisely is provided. Lesser the movement you must make while reading the eBook better will become your reading experience.

Basic knowledge of Commercial Bank Free Essays

There is no guarantee in any credit market that lenders will be willing and able to accommodate every borrower. 3) The Length of Time for Which Funds are Needed Some funds sources may be difficult to access immediately such as commercial paper and long-term debt capital. 4) The Size of the Institution that Requires More Funds A denomination often exceeds the borrowing requirements of the smallest financial institutions. We will write a custom essay sample on Basic knowledge of Commercial Bank or any similar topic only for you Order Now 5) Regulations Limiting the Use of Alternative Funding Sources Federal and state regulations may limit the amount, frequency, and use of borrowed funds. Basel I represent a â€Å"one size fits all† approach to capital regulation. It failed to recognize that no two banks are alike in term of their risk profiles. Basel II sets up a yester in which capital requirements are more sensitive to risk and protect against more types of risk than has been true under Basel l. Basel II attempts to ensure that, consistently, low-risk assets require less capital than high-risk assets, whereas the reverse was often the case with Basel l. There are four new elements of Basel II: 1) Internal Risk Assessment 2) Operational Risk 3) Credit Risk Models 4) A Dual Set of Rules. 1) Character The loan officer must be convinced the customer has a well-defined purpose for requesting credit and a serious intention to repay. ) Capacity The loan officer must be sure the customer has the authority to request a loan and the legal standing to sign a binding loan agreement. 3) Cash The loan application centers should assess borrowing customers’ ability to generate enough cash to repay the loan. ) Collateral In assessing the collateral aspect of a loan request, the loan officer must ask whether the borrower possess adequate net worth or own enough quality assets to provide adequate support for the loan. 5) Conditions The loan officer and credit analyst must be aware of recent trend in the borrower’s nine of work or industry and how changing economic conditions might affect the loan. 6) Control The control element centers o n such questions as whether changes in law and regulation could adversely affect the borrower and whether the loan request meets the lender’s and the regulatory authorities’ standards for loan quality. The CAMELS is a system used by federal bank examiners for evaluating the overall condition of a bank based upon the adequacy of its capital, the quality of its asset portfolio, its management quality, the adequacy of its earnings, its liquidity and its sensitivity to market risk. Depository institutions whose overall CAMELS rating is toward the low, riskier end of the numerical scale-?an overall rating of 4 or 5-?tend to be examined more frequently than the highest-rated institutions, those with ratings of 1,2,or 3. ) Unusual or unexplained delays in receiving promised financial reports and payments or in communicating with bank personnel. 2) For business loans, any sudden change in methods used by the borrowing firm to account for depreciation, make pension plan contributions, value inventories, account for taxes, or recognize income. 3) For business loans, restructuring, outstanding debt or eliminating vividness, or experiencing a change in the customer’s credit rating. 4) A dverse changes in the price of a borrowing customer’s stock. ) Losses in one or more years, especially as measured by returns on the borrower’s assets (ROAR), or equity capital (ROE), or earnings before interest and taxes (BIT). 6) Adverse changes in the borrower’s capital structure (equity/debt ratio), liquidity (current ratio), or activity levels (e. G. , the ratio of sales to inventory). 7) Deviations of actual sales, cash flows, or income from those projected when the loan was requested. 8) Unexpected or unexplained changes in customer deposit balances. How to cite Basic knowledge of Commercial Bank, Papers Basic knowledge of Commercial Bank Free Essays There is no guarantee in any credit market that lenders will be willing and able to accommodate every borrower. 3) The Length of Time for Which Funds are Needed Some funds sources may be difficult to access immediately such as commercial paper and long-term debt capital. 4) The Size of the Institution that Requires More Funds A denomination often exceeds the borrowing requirements of the smallest financial institutions. We will write a custom essay sample on Basic knowledge of Commercial Bank or any similar topic only for you Order Now 5) Regulations Limiting the Use of Alternative Funding Sources Federal and state regulations may limit the amount, frequency, and use of borrowed funds. Basel I represent a â€Å"one size fits all† approach to capital regulation. It failed to recognize that no two banks are alike in term of their risk profiles. Basel II sets up a yester in which capital requirements are more sensitive to risk and protect against more types of risk than has been true under Basel l. Basel II attempts to ensure that, consistently, low-risk assets require less capital than high-risk assets, whereas the reverse was often the case with Basel l. There are four new elements of Basel II: 1) Internal Risk Assessment 2) Operational Risk 3) Credit Risk Models 4) A Dual Set of Rules. 1) Character The loan officer must be convinced the customer has a well-defined purpose for requesting credit and a serious intention to repay. ) Capacity The loan officer must be sure the customer has the authority to request a loan and the legal standing to sign a binding loan agreement. 3) Cash The loan application centers should assess borrowing customers’ ability to generate enough cash to repay the loan. ) Collateral In assessing the collateral aspect of a loan request, the loan officer must ask whether the borrower possess adequate net worth or own enough quality assets to provide adequate support for the loan. 5) Conditions The loan officer and credit analyst must be aware of recent trend in the borrower’s nine of work or industry and how changing economic conditions might affect the loan. 6) Control The control element centers o n such questions as whether changes in law and regulation could adversely affect the borrower and whether the loan request meets the lender’s and the regulatory authorities’ standards for loan quality. The CAMELS is a system used by federal bank examiners for evaluating the overall condition of a bank based upon the adequacy of its capital, the quality of its asset portfolio, its management quality, the adequacy of its earnings, its liquidity and its sensitivity to market risk. Depository institutions whose overall CAMELS rating is toward the low, riskier end of the numerical scale-?an overall rating of 4 or 5-?tend to be examined more frequently than the highest-rated institutions, those with ratings of 1,2,or 3. ) Unusual or unexplained delays in receiving promised financial reports and payments or in communicating with bank personnel. 2) For business loans, any sudden change in methods used by the borrowing firm to account for depreciation, make pension plan contributions, value inventories, account for taxes, or recognize income. 3) For business loans, restructuring, outstanding debt or eliminating vividness, or experiencing a change in the customer’s credit rating. 4) A dverse changes in the price of a borrowing customer’s stock. ) Losses in one or more years, especially as measured by returns on the borrower’s assets (ROAR), or equity capital (ROE), or earnings before interest and taxes (BIT). 6) Adverse changes in the borrower’s capital structure (equity/debt ratio), liquidity (current ratio), or activity levels (e. G. , the ratio of sales to inventory). 7) Deviations of actual sales, cash flows, or income from those projected when the loan was requested. 8) Unexpected or unexplained changes in customer deposit balances. How to cite Basic knowledge of Commercial Bank, Papers

Urinary Tract Infection

The urinary tract is composed of different parts including the kidney, urethra, ureters and urinary bladder. Human beings have two kidneys that help in body excretion and blood purification. The kidney is usually brown  in color and has a small size of around 10-12 cm. The outer cover of the kidney is called the renal capsule (Baskin Kogan 38).Advertising We will write a custom report sample on Urinary Tract Infection specifically for you for only $16.05 $11/page Learn More The renal capsule is tough because it has fibrous tissues on its surfaces. The capsules are covered by two layers of fat to cushion  the kidneys from any form of shock. There is also the urethra which is a muscular tube used to remove different wastes including urine from our bodies. The system also has the ureters that help to remove urine to the bladder. The bladder has several valves that help to prevent the  backward  of urine to the ureter (Kunin 46).The urinary bladder is a  void, well-built  elastic  reproductive organ that  is placed  on the pelvic floor. The kidneys have functional units known as nephrons. The nephrons in the body help to regulate water and other soluble substances in the body (Pappas 64). Glomerulus The kidney contains numerous glomerulis that help in the purification of blood in the body (Pappas 67). The glomerulus is loop of capillary tuft and receives incoming blood from arterioles. Function of the Urinary System The urinary system plays an important role of excretion in the body. Although the main function of the urinary tract is excretion, it has other functions that include like: Regulation of plasma in the form of ionic composition Maintaining osmolarity of plasma Maintaining the  volume  of plasma Maintenance of the hydrogen ionic concentration of plasma Secretion of hormones Urinary Tract Infection Urinary tract infections are diseases caused  by pathogens such as bacteria, fungi, and infectious para sites. Experts recommend that  the use of specified terms when referring to  particular  urinary infections (Baskin Kogan 39). For example, an  infection  affecting the urethritis is urethra infection. Urinary tract infections are common  in women than in men. The infections  can harm different body organs and cause death. Any damage on the kidneys  will affect other parts of the body and processes associated to the kidney. For instance, kidneys  play a huge role of regulating substances and water in the body, excretion of wastes, and production of body hormones (Baskin Kogan 63). Any injury  to the kidney can potentially affect many processes in the human body.Advertising Looking for report on health medicine? Let's see if we can help you! Get your first paper with 15% OFF Learn More Epidemiology According to statistics, UTIs are common among women than men. Females between 16 and 30 years of age have a high risk of getting these infections. Cur rently, 10 per cent of women  have UTIs. The infections may reoccur from time to time depending on hygiene. According to research findings, women are four times prone to urinary infections than men. At childhood stage, statistics show that 10 per cent of people get STI infections. Non-circumcised males have a higher chance of contracting the infections (Baskin Kogan 57). Causes of UTIs Researchers have identified a number of organisms known to cause urinary tract infections. The leading cause of these infections is Escherichia coli and accounts for more than 80 per cent of the infections. About 80 per cent of urinary tract infections are caused by bacterium known as E. coli. The bacterial strains occur in the colon. Other bacteria strains that cause infection like Mycoplasma, Pseudomonas, Proteus, and Staphylococcus species (Baskin Kogan 57). In addition, there are UTIs resulting from fungi like Cryptococcus and Candida fungal species. Some parasites like Schistosoma and Trichom onas also cause urinary tract infections. Proper treatment for urinary tract infection depends on the knowledge of these causing organisms. UTI Symptoms/signs The signs and symptoms of urinary tract infections differ from one person to another. This depends on gender, age and the  location of infection (Davey 72). In advances cases of urinary infections, the individual has severe when urinating. Another sign of urinary infection is the change in urine color from clear to cloudy. Sometimes the urine may reddish when there is presence of blood (West 99). Any unpleasant smell from urine can be another sign of urinary infections and therefore immediate medication is necessary. Some women infected with urinary diseases may complain of increased abdominal pains or feel fatigued and tired. Vaginal discharge can also be a common sign of urinary infection in women. Urinary discharges occur when the Urethra  is infected, or the individual has contracted STDs. In children, the common signs of urinary infection include the presence of blood in urine. Sometimes they may complain of abdominal pains, increased fever, and frequent vomiting. General body weakness is also common in women and children with urinary tract infections (Davey 73). How STIs are Diagnosed When carrying out the diagnosis for STIs, the physician or doctor should get a comprehensive  medical history  of the patient. Fresh urine samples are obtained from the individual to determine if there are any potential disease-causing organisms (Davey 75). When conducting the analysis in young children,  infants, and aged  patients, urine samples are through a method known as catheterization. Laboratory verification helps to determine the possible cause of the urinary infection (Pappas 78).Advertising We will write a custom report sample on Urinary Tract Infection specifically for you for only $16.05 $11/page Learn More UTIs Diagnosis Classification If a UTI infection occurs in the lower Urinary tract, experts and medical practitioners refer to it  as bladder infection. On the other hand, if the infection occurs in the upper urinary tract the condition is pyelonephritis. Infection in the upper track can be a sign of Diabetes Mellitus (Davey 102). In children It is also notable that Health Organizations do not approve â€Å"urine bags† in of samples from children. This is because this tends to increase cases of contamination. Because of this, catheterization is used by those who are not trained (Kunin 54).  The American academy of pediatrics recommends the use of voiding cystourethrogram for children below the age of two years. This involves the use of real time x-ray as the children urinate,  or renal ultrasound for affected children (Pappas 317). Differential diagnosis Some organisms causing Chlamydia and gonorrhea can result in urinary tract infections. These are STDs and cause vaginitis or cervicitis in women and cause complications in m ales with urinary tract infection symptoms.  Studies have shown that a yeast infection can cause vaginitis (Davey 103). It is important to test  individuals having multiple  infections of their urinary tract for interstitial cystitis. This is required even when the urine cultures are negative. UTI risk factors The risk factors for urinary tract infections are  many.  Generally, a  blockage  of normal urine flow, which is  normally  50cc per hour for a normal adult, is one of the risk factors for UTI.  An abnormality within the urinary tract creates infection  risk thereby increasing the risks for diseases like kidney stones (Porth 92). Other complications include abnormal prostates, anatomy disorder and urethral stricture. The reason why there is increased potential for these risks is the washout effect when the blood flows into the kidney (Kunin 46). Women are more  predisposed  to UTIs compared to men. This is because women have a naturally shorter urethr a that opens  more closely to the anus. It becomes easier for pathogens  to get inside the urinary tract easily. The use of catheters increases the risk to about 30% higher since it  has  none of the systems for  protective  immunity that  eliminate  bacteria and also it connects directly to the bladder.  Statistics have revealed that majority of the women using diaphragms or condoms develop spermicidal foam which is known to increase the risks for urinary tract infections in the body (Porth 52). Individuals who are engaged in active sex also increase their chances for getting urinary tract infections. This explains the reason why sexual behaviors are discouraged because they can increase STDs and other urinary tract infections (Kunin 84).Advertising Looking for report on health medicine? Let's see if we can help you! Get your first paper with 15% OFF Learn More Male individuals with over 60 years of age have a higher risk for the same since the prostrate enlarges at that age and the bladder is unable to  empty  fully. Occasionally  individuals with bacteremia have this bacterium in the kidney,  a phenomenon termed as hematogenous spread. This is the same  case  for people with infections in  areas connected  to the urinary tract. People who have ever had a urologic surgery also have an increased risk of UTIs (Pappas 325).  Between weeks six to 26 of during pregnancy, there is an increased risk of infection even though it  is not  the case  always.  However,  due to  pyelophritis  a UTI may  progress  in seriousness as various researchers have confirmed and reports (West 83). Possible Complications UTIs Most of the urinary tract infections have no  complications  if the individuals get quick medication. Early intervention is necessary to prevent further complications because of the infections. If this is not done, the disease becomes chronic and the individual might realize that his or her life is at risk (Porth 97). This does not mean that there are no complications. Some complications can  occur  later in life and probably result in death. Some of the complications might include urinary strictures, fistulas, abscesses, and kidney damage. The more advanced is the infection, the more the complication. More complications  can result in dehydration and failure of body organs especially the kidney. If a woman is pregnant and has such infections  that remain untreated, chances are high that she might have a premature delivery. As well, the newborn child might be underweight or poorly developed (Pappas 325). UTI Treatment The treatment  regimes for urinary tract infections depend on the level of infection and the causing organism. Individuals with advanced urinary tract infections require strong antibiotics to kill the disease-causing organisms and treat the condition compl etely. Individuals who are not highly affected require oral antibiotics because the  infection  is mild (Pappas 302). Individuals infected with STDs should be carefully treated and provide them with appropriate medication and antibiotics. Children require necessary treatment depending on the UTI and its level of development. Children and pregnant women should not take ciproflaxin  or other related antibiotics (Kunin 454). Patients who have fungal or parasitic pathogens need antifungals to treat their condition. However, patients should consult with their doctors before they receive any form of treatment (Porth 48). Medicines obtained from the counter  do not  cure  STI bacteria even though they relieve the pain and discomfort.  Some medications that contain Phenazopyridine cause urine to turn orange  work  to relieve pain in the bladder or  stain  the contact lenses (Pappas 325). Prevention of UTIs The first step to prevent urinary tract infections is through g ood hygiene. Good hygiene for men and women helps prevent infections of the urinary tract. It is important that women clean their genitals as frequently as possible because they stand a higher risk of getting the infections. They should do so by wiping  their genitals backwards to prevent pathogens in the anal passage from entering into the urinary tract. For men, retracting the fore skin will help prevent UTIs because urine will not  linger  at urethra  opening (Porth 92).  It is important that people empty the bladder completely because residues will allows pathogens to  survive  or  replicate in the tract. Experts also encourage people to take a shower or urinate immediately after having sex  because this will reduce susceptibility to infections such as urethritis. UTI prognosis A  good  prognosis is  normal  for spontaneous resolution and  easy-to-treat infections. Patients having rapid infections can have a  good  prognosis if they seek immediate and adequate medication (Kunin 87). This will help to reduce chances of disease development. Aged or people with suppressed immunity have  a poor prognosis  depending on the kind of damage done by the infection. Works Cited Baskin, Laurence. Kogan, Barry. Handbook of pediatric urology. New York: Oxford University Press, 2009. Print. Davey, Patrick. Medicine at a Glance. New Jersey: Prentice Hall, 2012. Print. Kunin, Calvin. A reassessment of the importance of â€Å"low-count† bacteriuria in young women with acute urinary symptoms, New York: Ann Intern Med, 1993. Print. Pappas, Panzer. Laboratory in the diagnosis and management of urinary, tract infections, New York: Med Clin North Am, 1991. Print. Porth, Mattson. Essentials of Patho-physiology: Concepts of Altered Health States. New York: John Wiley and Sons, 2010. Print. West, Krista. Urinary Tract Infections, USA: The Rosen Publishing Group, 2006. Print. This report on Urinary Tract Infection was written and submitted by user Trystan Parsons to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Ruby-Throated Hummingbird Facts

Ruby-Throated Hummingbird Facts The ruby-throated hummingbird (Archilochus colubris) is the only known species of hummingbird to breed or even regularly reside in eastern North America. The breeding range of ruby-throated hummingbirds is the largest of all the species of hummingbirds in North America. Fast Facts: Ruby-Throated Hummingbird Scientific Name: Archilochus colubrisCommon Name: Ruby-throated hummingbirdBasic Animal Group: BirdSize:  2.8–3.5 inches in lengthWeight: 0.1–0.2 ouncesLifespan: 5.3 yearsDiet:  OmnivoreHabitat: Summers in eastern North America; winters in Central AmericaPopulation: Estimated 7 millionConservation Status: Least Concern Description Male and female ruby-throated hummingbirds differ in their appearance in several ways. Males are more vibrantly colored than females. Males have metallic emerald-green plumage on their back and metallic red feathers on their throat (this patch of feathers is referred to as a gorget). Females are duller in color, with less vibrant green feathers on their back and no red gorget, their throat and belly plumage is a dull grey or white. Young ruby-throated hummingbirds of both sexes resemble the plumage of adult females. Like all hummingbirds, ruby-throated hummingbirds have small feet that are not well suited to perching or hopping from branch to branch. For this reason, ruby-throated hummingbirds use flight as their primary means of locomotion. They are superb aerialists and are capable of hovering with wingbeat frequencies of up to 53 beats per second. They can fly in a straight line, up, down, backward, or hover in place. The flight feathers of ruby-throated hummingbirds include 10 full-length primary feathers, six secondary feathers, and 10 rectrices (the largest feathers used for flight). Ruby-throated hummingbirds are tiny birds, they weigh between about 0.1 and 0.2 ounces and measure between 2.8 to 3.5 inches in length. Their wingspan is about 3.1 to 4.3 inches wide. Larry Keller, Lititz Pa.  / Getty Images Habitat and Range This hummer breeds in the summertime, throughout the eastern United States and Canada. In the autumn, the birds migrate to their wintering grounds in Central America from northern Panama to southern Mexico, although some winter in parts of South Florida, the Carolinas, and along the Gulf Coast of Louisiana. They prefer habitats which have lots of flowers, such as fields, parks, backyards, and open clearings in forests. Migration round-trips can be as long as 1,000 miles. Migration patterns of ruby-throated hummingbirds vary: Some migrate between their breeding and wintering grounds by flying across the Gulf of Mexico while others follow the Mexican gulf coastline. Males start their migration before females and juveniles (males and females) follow on after the females. They migrate south between August and November, and north again between March and May. Diet and Behavior Ruby-throated hummingbirds feed primarily on nectar and small insects. They occasionally supplement their diet with tree sap if nectar is not readily available. When gathering nectar, ruby-throated hummingbirds prefer to feed on red or orange flowers such as red buckeye, trumpet creeper, and red morning glory. They often feed while hovering at the flower but also land to drink nectar from a conveniently located perch. Scientists have long been fascinated by the hummingbirds hovering flight. Unlike larger birds, they can perform sustained hovering as well as regular cruise flight and maneuvering. Like insects, they use a leading edge vortex over their wing surfaces to gain lift in the flight, but unlike insects, they can invert their wings at the wrist joint (insects do that with a pulse of muscles).   Reproduction and Offspring During the June–July breeding season, ruby-throated hummingbirds are highly territorial, behavior which is reduced during other times of the year. The size of the territories that males establish during the breeding season varies based on the availability of food. Males and females do not form a pair bond and remain together only during courtship and mating. Female ruby-throated hummers lay up to three broods a year, in groups of one–three eggs, most typically two, which hatch after 10–14 days. The mother continues to feed the chicks for another four to seven days, and the chicks fledge and leave the nest 18–22 days after hatching. Hummingbirds become sexually mature the next season about one year of age. Studio One-One/Getty Images Threats There are an estimated 7 million ruby-throated hummingbirds in the world, and they are classified as Least Concern by the International Union for Conservation of Nature (IUCN), and the ECOS Environmental Conservation Online System does not list them as endangered at all. However, continuing climate change affecting their migration patterns and those of related species may have impacts that are as yet unclear. Northern migration dates of ruby-throated hummingbirds have already been measurably impacted by global climate change, with warmer winter and spring temperatures correlating with earlier arrivals, especially at lower latitudes (below 41 degrees north, or generally south of Pennsylvania). In a 10-year study (2001–2010), the differences ranged from 11.4 to 18.2 days earlier in warmer years, leading to concerns about competition for food resources going forward. Sources Bertin, Robert I. The Ruby-Throated Hummingbird and Its Major Food Plants: Ranges, Flowering Phenology, and Migration. Canadian Journal of Zoology 60.2 (1982): 210–19. Print.BirdLife International. Archilochus colubris. The IUCN Red List of Threatened Species: e.T22688193A93186255, 2016.Courter, Jason R., et al. Assessing Migration of Ruby-Throated Hummingbirds (Archilochus Colubris) at Broad Spatial and Temporal Scales. The Auk: Ornithological Advances 130.1 (2013): 107–17. Print.Hilton, Bill, Jr., and Mark W. Miller. Annual Survival and Recruitment in a Ruby-Throated Hummingbird Population, Excluding the Effect of Transient Individuals. The Condor: Ornithological Applications 105.1 (2003): 54–62. Print.Kirschbaum, Kari, Marie S. Harris. and Robert Naumann. Archilochus colubris (ruby-throated hummingbird). Animal Diversity Web, 2000.  Leberman, Robert C., Robert S. Mulvihill, and D. Scott Wood. A Possible Relationship between Reversed Sexual Size Dimorphism an d Reduced Male Survivorship in the Ruby-Throated Hummingbird. The Condor: Ornithological Applications 94.2 (1992): 480–89. Print. Song, Jialei, Haoxiang Luo, and L. Hedrick Tyson. Three-Dimensional Flow and Lift Characteristics of a Hovering Ruby-Throated Hummingbird. Journal of The Royal Society Interface 11.98 (2014): 20140541. Print.Weidensaul, Scot et al. Ruby-throated Hummingbird (Archilochus colubris). The Birds of North America Online. Ithaca: Cornell Lab of Ornithology, 2013.

Apostrophe with Plural Possessive Nouns

Apostrophe with Plural Possessive Nouns Apostrophe with Plural Possessive Nouns Apostrophe with Plural Possessive Nouns By Maeve Maddox Most English speakers know that the usual way to make a noun plural is to add -s to the singular: boy/boys, knight/knights, house/houses. They are also aware that the plural of few nouns, like child and ox, is formed with the quaint ending -en: children, oxen. The modern convention of forming a noun plural by adding -s was not a foregone conclusion. Old English formed noun plurals with five or six endings, depending upon which declension the noun belonged to and how the noun was used in the sentence. By the Early Middle English period (1100-1300), most of the OE inflectional endings had dropped away, but the plural ending -en was still in the running with -s and -es: for a time, at least in southern England, it would have been difficult to predict that the s would become the almost universal sign of the plural that it has become. Until the 13th century in the south the -en plural enjoyed great favor, being often added to nouns which had not belonged to the weak declension in Old English. –Alfred Baugh, A History of the English Language p. 191. We’ve seen how the apostrophe was added as the mark of the singular possessive because of a mistaken notion that a letter was missing before the -s. Once the ’s became established as the possessive ending of a singular noun, it was inevitable that the apostrophe would also be used in the formation of plural possessives. Although many writers misuse the apostrophe in the plural possessive, the rule is quite simple, in both American and British usage: If the plural ends with -s, add an apostrophe: the boys’ kites, the knights’ chargers, General Motors’ mission statement. If the plural doesn’t end with -s, add ’s: the children’s teacher, the oxen’s yoke. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Grammar category, check our popular posts, or choose a related post below:Yours faithfully or Yours sincerely?The Six Spellings of "Long E"3 Types of Essays Are Models for Professional Writing Forms

Partnership vs.Corporation (Taxation) Assignment

Partnership vs.Corporation (Taxation) - Assignment Example Advantages and disadvantages related to becoming a corporation Incorporating a business has many merits attached to it. A corporate business has many structures that make it enjoy protection from liability. Corporation also has ease of growth. It is also easy to transfer ownership to another. It is flexible and never rigid. The major disadvantage of a corporation is the double taxation that is levied upon the firm/corporation (Piper, 2008). The taxation is levied at the corporation level and the individual earnings are taxed. There are also fee charged for maintaining the status of a corporation and that of keeping and running corporate meetings throughout the year. In spite of these demerits attached to the corporation, it is important to note that it is easy for a corporation to go public. A corporation enjoys liability protection. In a corporation, owners and stakeholders are given indemnity from the debt incurred by the corporation. In case of the default and the bankruptcy of a corporation, owners and stakeholders do not come to be part of the debt. Therefore, individuals in the corporation cannot suffer. The personal assets and corporation assets are not interfered with in case a corporation is unable to pay its debts. Thought the corporation face double taxations; there exist cases where they are given tax breaks. A corporate business gains trust from the public and business entities as it is considered a professional entities. These give it business advantage due to its status and legality. Advantages and disadvantages of being in partnership Partnership is an agreement reached between two or more people to finance an organization or a business and run it together. In partnership, the business is independent from the partners however; the losses and profits flow through their individual taxes. Advantages of business partnership include: There are no complex details attached to establishing a partnership. It is easy to form The capacity to raise funds is greater as more partners have a higher bargaining power. They can thus get access to loans easily. There is a wider range of expertise skills. People often have different knowledge and skills; this puts the organization or the business at an advantaged position because of the possibility of varied range of knowledge and skills. Partnership can be cheaper t operate as each partner specializes in a section thus higher level of concentrated output. Partnership is important because partners mean good for the business; they thus provide moral support for each other. They may also open up for creative performance as they brainstorm Disadvantages of Business Partnership Business and the individual partners are directly liable for any action of the business and other partners The profits have to be shared in amongst people. This may raise conflict when one partner or partners feel that their contributions to the business are greater than other. This may create conflicts. There are various limitations associated with partnership, which makes it not conducive for rapid expansion. The main demerit associated with partnership is that individual members are liable to a greater degree for the liability of the business. 2. How partnership minimizes tax liability. Prepare a response as to why partnership was the best option Partnership is advantageous because it limits personal obligation to an individual but it indebts it to the partners in the organization collectively. Partnership is also

Human Resources - Compare and Contrast Interview Paper Essay

Human Resources - Compare and Contrast Interview Paper - Essay Example The individuals have been chosen for the study based on the fact that they have been involved in the core human resource activities for a significant number of years and have gained substantial knowledge and expertise on the subject too. The topic chosen for the study is compensation and the problems that employees face with regards to the same. The interview questions are prepared with the aim to bring forth the opinion of the two managers with regards to the effectiveness of the compensation policies in their organizations in terms of employee and organizational performance. The questionnaire is designed to help the two organizations make analysis of their respective human resource practices. Also the compensation package of employees is perceived as the value organization assign to their employees. An analysis of the same would reveal the employees’ worth in the organization as valuable assets. Comparison and Contrast of Interviews Various factors came forth with regards to the compensation structures of the two organizations and how satisfied were the employees with the compensation structure and policies of the organization.... Also considering the improvements in then labor markets, organizations have been driven towards the upliftment of the salaries of employees. Employers failing to do so confront with various human resource problems, such as dissatisfied and de-motivated employees, employees’ resistance towards work and their jobs. From the responses that follow, it is apparent that the former organization considers the industrial standards at the prevailing time before setting the salaries of employees. However, the latter sets its salary independent of the industry standards. The responses demonstrate that the former organization would face fewer problems in attracting and retaining human resource in comparison to the latter. With the upward inflationary pressures in most nations and rapid technological advancement organizations have been increasingly confronting with the problem of upward revision of the basic salaries of employees in terms of their dearness allowances. In such a condition or ganizations not considering the industrial standards would be faced with the problem of high employee attrition rates. Employees would be more tempted towards organizations offering higher salaries as salaries are the prerequisites of attracting and retaining talents in organizations. With the intense competition existing in the market, the compensation packages are the only and most important alternative left with the companies to motivate employees and attract them from the labor market. The increment system in the former organizations is found to be better and profound in comparison to the latter. Employees remain concerned about their career