Put Your Short-Term Memory to the Test

Put Your Short-Term Memory to the Test Student Resources Study Guides and Tips Print Put Your Short-Term Memory to the Test By Kendra Cherry facebook twitter Kendra Cherry, MS, is an author, educational consultant, and speaker focused on helping students learn about psychology. Learn about our editorial policy Kendra Cherry Updated on July 23, 2019 Westend61 / Getty Images More in Student Resources Study Guides and Tips APA Style and Writing Careers Cant remember the name of the person you just metâ€"again? Forgot where you parkedâ€"again? Episodes of forgetfulness like these can be nerve-wracking. Some people find them a little scary. When this sort of thing happens a lot, some people go so far as to fear there’s something wrong with their brains or that they’re developing  dementia or Alzheimer’s disease. Forgetting something you’ve just thought of doing or just learned are lapses in short-term memory, which refers to any information that stays in your mind for up to a minute. By contrast, long-term memory is where you keep the information you “know by heart,” for example, like the names of the 50 states and also memories of experiences you’ve had. Why Short-Term Memory Matters Short-term memory is essential to daily living. It’s what allows you to find your car keys, remember if you left the water running in the tubâ€"even whether you’ve eaten breakfast or brushed your teeth. It’s also subject to all sorts of glitches. There are multiple reasons you may forget a piece of information practically the minute you receive, according to leading brain health expert Cynthia Green, Ph.D., author of Total  Memory Workout. For instance, it may simply be too much information to retain that quickly. Its long been believed that the human brain can hold onto no more than seven things at onceâ€"one reason phone numbers (minus the area code, of course), are seven digits. Other factors that can interfere with short-term memory are pain, stress, and  lack of sleep. Interruptions and distractions can be major memory-stealers: If the bell rings while you’re in the middle of a conversation with a neighbor, chances are your friend will need to repeat the last thing she said to you before you answered the door. Testing Your Short-Term Memory There’s a bit of truth in the phrase “senior moment.” After the age of 50, most people do find it a little harder to remember new information, but this doesnt mean theyre on the road to developing dementia or Alzheimers disease. One way to get a sense of how normal your own memory lapses are is to take a legitimate short-term memory test, such as the Memory Quiz from the Alzheimers Research Prevention Foundation. Its a simple true-false questionnaire that asks things like, Sometimes I get lost, even when Im driving somewhere Ive been before, and I often misplace my keys, and when I find them, I often cant remember putting them there. Of course, if after taking a test like this your answers suggest you might have more serious issues with your memory than simple age-related forgetfulness, you should see a doctor. Answering 15 questions online certainly isnt enough to make a diagnosis. At the same time, if your score doesnt indicate youve got a problem, keep in mind that even at an advanced age, the human brain is capable of developing new neurons, as long as it gets some exercise. So use your head as much as possible: read, study a new language, learn  how juggle or knit, spend a lot of time socializing, and your brain will get the workout it needs to stay sharp.

Issues Faced by Air Asia in its Advertising - Free Essay Example

TABLE OF CONTENTS Content Page 1.0 Introduction 2.0 Key Issues and Problems 2.1 Misleading Advertisements 2.2 Offensive Advertisements 3.0 Reasoning and Analysis 4.0 Conclusion 5.0 References 6.0 Appendices 1.0INTRODUCTION 2.0KEY ISSUES AND PROBLEMS Some of the major issues and problems faced by AirAsia in its advertisements are discussed below. 2.1Misleading Advertisements Misleading advertisement is unethical because it distorts and misrepresents a product. This means that the actual product is not the same as what it was advertised. For example, a product is advertised to have a particular feature, but in actual fact, that feature does not exist. Most often, advertisements are able to mislead consumers in terms of prices and such is the case for AirAsia Berhad. Operating under the well-known taglines of à ¢Ã¢â€š ¬Ã…“Lowest fares only @ airasia.comà ¢Ã¢â€š ¬Ã‚  and à ¢Ã¢â€š ¬Ã…“Now Everyone Can Fly,à ¢Ã¢â€š ¬Ã‚  AirAsia offers cheap flights to consumers of over 85 destinations. The company is always coming up with new promotions to allow customers to fly at a very low price to locations both locally and internationally. Drive along a highway and you might co me across red billboards promoting AirAsiaà ¢Ã¢â€š ¬Ã¢â€ž ¢s latest à ¢Ã¢â€š ¬Ã…“all-in fareà ¢Ã¢â€š ¬Ã‚  flight from Kuala Lumpur to overseas such as Gold Coast, Osaka, Perth, Shanghai, Seoul and Tokyo at a price of RM 299. Now, consumers would think that à ¢Ã¢â€š ¬Ã…“all-in fareà ¢Ã¢â€š ¬Ã‚  means the rate charged has included tax charges, baggage charges and all other necessary charges, but AirAsia has a totally different view on that. Customers were often greeted with surprises of extra charges when they checked in. AirAsia misled the consumers by advertising their flights rate without showing the total cost which should include all taxes, duties, fees and other mandatory charges. AirAsia has been advertising low headline prices exclusive of mandatory charges and taxes for more than a decade. It hides the actual cost; not making it clear to customers that there might be other extra charges applicable to the advertised RM 299 for example. This makes price comparison difficult for customers as the advertised rates are not the final actual rate. It is just a marketing gimmick to attract more customers with the rather à ¢Ã¢â€š ¬Ã‹Å"low ratesà ¢Ã¢â€š ¬Ã¢â€ž ¢. Therefore, a number of consumers will automatically assume that AirAsia is the cheapest and more reluctant to find out more about the flight rates of other flight companies. As a result, they tend to make bookings or decisions they more often than not, regret. In fact, the price is slightly cheaper at AirAsia but that is before AirAsia add on the counter check-in charges. Apart from that, AirAsia also charges RM5 of convenience fees on credit cards usage if customers are paying payments online via credit or debit card, which by right no merchants have rights to impose such charges. However, it seems as though AirAsia has taken to charging all kinds of services in every possible ways. After adding up all the other charges, the total flight price spent by consumers is almost and sometimes more expensive than other airlines in the industry. Now, that is not a low cost flight fare, as AirAsia proudly claimed to be. On top of that, the rate is only applicable for one-way trips and consumers are often charged higher for return tickets which, AirAsia failed to reflect in its advertisements. Because of this same reason, AirAsia was found guilty under the Australian Consumer Law for not displaying all relevant information of the airfares prices inclusive of all taxes, duties, fees and other mandatory charges à ¢Ã¢â€š ¬Ã…“in a prominent way and as a single figureà ¢Ã¢â€š ¬Ã‚  (Wee, 2012). AirAsia should show accurate price information to the consumers in such a competitive industry because consumers are price sensitive. Due to the breach of law, AirAsia was imposed a fine of AUD 200,000. Another downside of flying with AirAsia is that it is inconvenient to travel with senior citizens because they have to walk a long way to the plane as the company does not have a erobridges and a charge of RM 60 will be imposed for the use of wheelchairs (Nik, 2014). 2.2Offensive Advertisements Ethical advertising should be positive and optimistic and does not exploit stereotypes based on gender, age, race and so on (Vaux, n.d.). Marketers may get carried away when brainstorming for innovative advertisement ideas and such is the case for Tune INSURE, an AirAsia insurance product that insures passengers from medical to lost or damaged baggage to compensation for delayed flights of more than two hours. One of its advertisements contains a tagline: à ¢Ã¢â€š ¬Ã…“You want your momma, because youà ¢Ã¢â€š ¬Ã¢â€ž ¢re in a hospital with lousy nurses.à ¢Ã¢â€š ¬Ã‚  This had stirred anger among the medical practitioners, mostly nurses, as the tagline is offensive and it gives a bad impression to the nursing profession (Png, 2014). Moreover, this advertisement can be found at the back of the seats of AirAsiaà ¢Ã¢â€š ¬Ã¢â€ž ¢s planes and is viewed by all p assengers. It gives an impression that Malaysian nurses are à ¢Ã¢â€š ¬Ã‹Å"lousyà ¢Ã¢â€š ¬Ã¢â€ž ¢ among the foreign passengers. An online petition had been signed by 1226 people, urging for the advertisement to be taken down and a public apology from AirAsia. In Philippines, there was a public uproar with AirAsia Zestà ¢Ã¢â€š ¬Ã¢â€ž ¢s radio advertisement that downgrades the portrayal of women. In that particular advertisement, AirAsia Zest promoted its ticket sales by comparing it to a woman. The advertisement features two male voices, discussing and comparing how the ticket sale was à ¢Ã¢â€š ¬Ã…“cheaper and more enjoyable than an attractive woman with long legs, small waist and smooth skinà ¢Ã¢â€š ¬Ã‚  (Sen. Cayentoà ¢Ã¢â€š ¬Ã¢â€ž ¢s Official Website, 2014). Senator Pia Cayento had urged AirAsia Zest for a public apology over the offensive à ¢Ã¢â€š ¬Ã‹Å"anti-womanà ¢Ã¢â€š ¬Ã¢â€ž ¢ advertisement (Luci, 2014). Advertisements that prey on human emotions are also consi dered unethical (Vaux, n.d.). For example, an advertisement that instills fear into consumers if they donà ¢Ã¢â€š ¬Ã¢â€ž ¢t purchase and consume the product is an unethical advertisement. Another type of unethical advertisement that is widely used especially in the Western countries since a decade ago is those advertisements that rely on sexual appeal to attract its target audience. While this practice is not seen in Malaysia, there are a few of AirAsiaà ¢Ã¢â€š ¬Ã¢â€ž ¢s advertisements that use a hint of such element in their advertisement, though not as explicit as the commercial advertisements in the Western countries. In a particular advertisement, a man is shown being à ¢Ã¢â€š ¬Ã‹Å"servedà ¢Ã¢â€š ¬Ã¢â€ž ¢ with plates of meal by 5 air-stewardesses with a tagline à ¢Ã¢â€š ¬Ã…“Careful, theyà ¢Ã¢â€š ¬Ã¢â€ž ¢re hot!à ¢Ã¢â€š ¬Ã‚  The meaning behind the tagline is to send the message that AirAsia serves hot meals and hot deals (low flight tickets) to its passengers. Howeve r, some may interpret it the wrong way as the stewardesses were dressed in their tight red uniform and skirts hiked up. This not only highlights the unethical virtues of the company, it also portrays an unprofessional and bad image to the air-host/hostess profession. 3.0REASONING AND ANALYSIS Below are the reasoning and analysis regarding the discussed unethical issues and problems faced by AirAsia in its advertisements. 3.1Misleading Advertisements AirAsia promotes its flight package without reflecting the total fares by excluding all the taxes, duties, fees and other mandatory charges. It is fair to say that this particular conduct of AirAsia is unethical because it conceals the actual price information in its marketing purpose advertisement. Generally, most of the potential passengers thought that the advertised airfares depict the final actual fare for the flights they are paying for; which means that the advertised fares would have included all the necessary expense s payable for the flight. However, this is not the case for AirAsiaà ¢Ã¢â€š ¬Ã¢â€ž ¢s advertised fares. The flight fares advertised in newspaper and other promotional media only reflects the flight fare, but not the final monetary value that the passengers need to pay for their flight. In such a case, these advertisements indirectly mislead the public and thus affecting their cost-benefit analysis on which airline they will patron. Besides, the psychological pricing strategy of setting a low flight fare tends to misdirect the public that AirAsia is the cheapest air transport provider in Malaysia. The fact is AirAsiaà ¢Ã¢â€š ¬Ã¢â€ž ¢s flight rates advertised only shows the gross amount payable, not the net. Nonetheless, most of the customers tend to be attracted by the low price promotion rather than think rationally on whether it is possible or economically feasible for AirAsia to actually provide such a low cost flight package compared to other airlines; as the saying goes, it is too good to be true. At the same time, AirAsia also charges RM5 of transaction fees on bank card usage if the customers are made payment online. As what we think, it is considered reasonable for AirAsia to surcharge RM5 per transaction on the passengers purchase online. This is because AirAsia attempts to incur additional expenditure on the card-based transactions for the bank processing fees if the passengers do not actually bear on these costs. Similarly, most of the information technology shops nowadays also implement this policy that additional costs (e.g. 3%) will be charged on the customers who make payment by bank cards. Thus, it is fair for AirAsia to fee the online purchasers RM5 nett, regardless of the transaction amount on the flight fare. In most of the circumstances, it might seem lower than the surcharge computed based on specific percentage because the invoice price for the flight fare attempts to be quite high in nature. In addition, the promotional packages, introduced by AirAsia, attempt to be only for one-way trips and the passengers are most likely to be charged higher for the return tickets. This scenario appears to be unethical for the airline-based company to do so because majority of the potential passengers will be definitely returned to their origin after their holiday or business visits. Thus, it is necessarily for AirAsia to reflect this critical information in its advertisements to avoid mutual misunderstanding, if and only if, it does the promotion on only one-way flights. In contrast, AirAsiaà ¢Ã¢â€š ¬Ã¢â€ž ¢s act might be considered ethical if egoism applied. From the AirAsia perspective, it is a marketing approach to charge low in order to attract more consumers taking their flight instead of its competitorsà ¢Ã¢â€š ¬Ã¢â€ž ¢. This business model has indirectly complied with the low-cost budget airline principle that gives everyone the opportunity to take a flight. Meanwhile, the increase in the company revenues atte mpts to maximize the companyà ¢Ã¢â€š ¬Ã¢â€ž ¢s value (i.e. self-interest), and thus increasing in shareholdersà ¢Ã¢â€š ¬Ã¢â€ž ¢ wealth. They might claim that there is no fraud intention, but their public advertisement is just ambiguous and unclear. The consumers have the rights to query AirAsia management or employees while performing their transactions. 3.2Offensive Advertisements 4.0CONCLUSION 5.0REFERENCES 6.0APPENDICES Figure 1: One of AirAsiaà ¢Ã¢â€š ¬Ã¢â€ž ¢s misleading advertisements for not including taxes and charges in advertised air fares. (Source: https://weechookeong.com/2012/12/18/australian-court-fined-airasia-a200000-for-misleading-advertisements/) Figure 2: AirAsiaà ¢Ã¢â€š ¬Ã¢â€ž ¢s offensive advertisement placed on the back of its aircraft seats that belittled nurses. (Source: https://www.themalaymailonline.com/malaysia/article/advertisement-belittling-nurses-slammed-fernandes-apologises)  © All Rights Reserved Chua, K. J., Heng, K.O., Logeswaran, S., Lim, W.P., Siau, L.S. Tong, Y.C. (Students of UTAR, FAM)

Study On Mr Madoff And Ponzi Schemes Finance Essay - Free Essay Example

Sample details Pages: 5 Words: 1411 Downloads: 2 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? On March 12, 2009, Mr. Madoff pleaded guilty to all 11 felony counts charged against him, which includes securities fraud, money laundering and perjury. On June 29, he was sentenced by a federal judge to the maximum prison term of 150 years without bail or parole. He began serving his sentence four months later in October. The criminal case is U.S. v. Madoff, 08-cr-00213, U.S. District Court for the Southern District of New York. From the 1980s through December 11, 2008, Madoff ran a massive Ponzi scheme to solicit billions of dollars of funds. On December 1, 2008, BLMIS delivered statements to 4,800 account holders showing they had total balances of almost $65 billion. The firm held a small fraction of that balance. Madoff took money from everywhere including, individuals, charities, trusts and pension funds. He didnt invest the funds as promised used them for his own gain. He falsely promised to gain high return rates, which was as much as 46%. Madoff crea ted a broad infrastructure at BLMIS to give the impression he ran a legitimate investment advisory business in which client funds were actively traded as he had promised (Voreacos, 2009). He had many back office employees who werent technically qualified for the job. He told workers to generate false client account statements that reflected false returns and supposedly showed the firm bought and sold securities. Madoff allowed the transfer of $250 million from clients investment funds to his market making and proprietary trading businesses. Those transfers gave the false appearance that he was doing business in Europe on behalf of investors. Madoff lied over and over to the Securities and Exchange Commission (SEC) in writing and sworn testimonies. He caused the creation of false financial statements about the business. As mentioned, he was charged on 11 counts. Here is a summary of each count: Count 1, Securities Fraud: Bernard L. Madoff Investment Securities Inc. (BLMIS) w as a broker-dealer with three types of business: market making; proprietary trading; and investment advisory services. Madoff Securities International Ltd. (MSIL) was a U.K. affiliate engaged in proprietary trading. Count 2, Investment Adviser Fraud: From at least the 1980s through December 11, 2008, Madoff acted as an investment adviser for clients of BLMIS and employed devices and schemes to defraud clients and prospective clients. Count 3, Mail Fraud: On December 1, 2008, Madoff caused to be sent via the U.S. Postal Service a false and fraudulent account statement from BLMIS to a client in New York. Count 4, Wire Fraud: On Aug. 5, 2008, as a part of a scheme to defraud, Madoff caused $2 million in investor funds to be wired from Bloomington, Minnesota, to New York. Count 5, International Money Laundering to Promote Specified Unlawful Activity: From 2002 to December 2008, Madoff caused the transfer of funds from the BLMIS investor account in New York to MSIL accounts i n London, and from those accounts to BLMIS accounts in New York. The money was derived from fraud in the sale of securities and theft from an employee benefit plan. Count 6, International Money Laundering to Promote Specified Unlawful Activity: From 2006 to December 2008, Madoff caused the transfer of funds from BLMIS investor accounts in New York to MSIL accounts in London, then back to New York to give the false appearance that he was operating a legitimate investment advisory business. From 2002 to December 2008, he caused funds to be transferred from BLMIS accounts in New York to MSIL accounts in London, and from there to purchase and maintain property and services for the personal use and benefit of Madoff, his family members and associates (Voreacos, 2009). The money was derived from fraud in the sale of securities and theft from an employee benefit plan. Count 7, Money Laundering: On April 13, 2007, Madoff caused $54.5 million to be transferred from a BLMIS investor acc ount in New York to a BLMIS account in London. The money was derived from fraud in the sale of securities and theft from an employee benefit plan. Count 8, False Statements: On Jan. 7, 2008, Madoff caused the filing with the SEC of a Uniform Application for Investment Adviser Registration. The form falsely stated that BLMIS had custody of advisory clients securities. Count 9, Perjury: On May 19, 2006, Madoff made numerous false and misleading statements under oath to the SEC. He falsely testified that his firm executed stock and options trades on behalf of investment advisory clients; had custody of assets managed on behalf of those clients; and used the same trading strategy for all its investment advisory clients. Count 10, False Filing With the SEC: On December 20, 2007, Madoff caused the filing of a false and misleading certified BLMIS audit report. Count 11, Theft From an Employee Benefit Plan: On September 24, 2008, Madoff stole $10 million in pension fund assets s ent to BLMIS by a master trust on behalf of about 35 labor union pension plans. In May 2010, nearly 700,000 Madoff investors outside the United States settled agreements, receiving about $15 billion. The total shown on Madoffs investor account statements right before the collapse in 2008 was nearly $65 billion. Irving H. Picard, the court-appointed trustee representing Mr. Madoffs victims in the United States, has collected to date about $10 billion through settlements and asset sales. Mr. Picard estimated the total cash losses in the fraud at $20 billion (Washington, 2011). In December 2010, Mr. Picard launched several lawsuits, including one that was after $1.6 billion in damages from Sonja Kohn, a banker in Australia. He accused her of heading a 23-year conspiracy that played a central role in financing the Ponzi scheme. After the deadline, it appeared that at least 1,000 individual civil lawsuits would arise. Although many likely to be settled by negotiations, the rest wil l probably be contested. In February 2011,ÂÂ  bank documents released as part of Mr. Picards lawsuit prove that bank executives expressed many red flags about the legitimacy of Madoffs investment business more than 18 months before his Ponzi scheme came to light, but continued to do business with him. Another lawsuit, in federal bankruptcy court on February 4, involves the owners of the New York Mets. Mr. Picard accuses them of being so wrapped up in the enormous profits they earned while investing over decades with Mr. Madoff that they ignored the red flags that might have warned them that he was operating a fraud. Its also being rumored that now the Mets may be up for new ownership. In his first interview since his arrest in December 2008, Mr. Madoff asserted in February that unidentified banks and hedge funds were somehow complicit in his elaborate fraud, an about-face from earlier claims that he was the only person involved (Washington, 2011). His family being involve d in suspicion in involved, he went on to mention that his family members knew nothing about his crimes. With his ill practices, his family has also faced numerous lawsuits, potential to lose most of their assets. Madoff also spoke about dealing with several banks pointing to their willful blindness and went on to say, They had to know, but the attitude was sort of, If youre doing something wrong, we dont want to know. While he admitting his guilt in the interview and said nothing could excuse his crimes, he focused his comments on the big investors and giant institutions he dealt with, not on the financial pain he caused thousands of his more modest investors. He did not assert that any specific bank or fund knew about or was an accomplice in his Ponzi scheme. After deceiving federal regulators and investors for at least 16 years, he would certainly be branded as a liar by defense lawyers if he appeared as a witness against any defendant in a courtroom (Washington, 2011). Mr. Ma doff said he was determined to help the efforts to recover lost assets. He also said that Mr. Picard was seeking far more money than was needed to resolve investor claims. In addition to the customer claims for the cash losses, the Madoff estate also faces claims by unpaid vendors and landlords, who cannot recover until all the valid customer claims are paid. In prison, Madoffs access to the outside world is limited and monitored. All visitors must be approved by prison authorities, who also screen his collect calls and his incoming and outgoing e-mails and letters, though interviews with lawyers like Mr. Picard and his colleagues are less restricted and can be conducted in private (Washington, 2011). U.S. v. Madoff, 08-cr-00213, U.S. District Court for the Southern District of New York (Manhattan). https://www.bloomberg.com/apps/news?pid=newsarchivesid=a6Osnj.SoYdMrefer=home https://topics.nytimes.com/top/reference/timestopics/people/m/bernard_l_madoff/index.html htt ps://www.npr.org/templates/story/story.php?storyId=106039332 Don’t waste time! Our writers will create an original "Study On Mr Madoff And Ponzi Schemes Finance Essay" essay for you Create order

The Eastern Tent Caterpillar (Malacosoma americanum)

Eastern tent caterpillars (Malacosoma americanum) may be the only insects recognized by their homes rather than their appearance. These sociable caterpillars live together in silk nests, which they build in the crotches of cherry and apple trees. Eastern tent caterpillars may be confused with gypsy moths or even fall webworm. What Do They Look Like? Eastern tent caterpillars feed on the leaves of some favorite ornamental landscape trees, making their presence a concern to most homeowners. In truth, they rarely do enough damage to kill a healthy plant, and if you want an interesting insect to observe, this is one to watch. Several hundred caterpillars reside communally in their silken tent, built in the crotch of tree branches. Models of cooperation, the eastern tent caterpillars live and work in harmony until they are ready to pupate. The caterpillars emerge in early spring. In their final instar, they reach over 2 inches long and sport visible hairs down the sides of their bodies. The dark larvae are marked with a white stripe down their backs. Broken lines of brown and yellow run along the sides, punctuated by oval spots of blue. Malacosoma americanum moths break free of their cocoons after three weeks. Like many moths, they lack bright colors and appear almost drab. A close look reveals two parallel lines of cream across wings of tan or reddish brown. Classification Kingdom - AnimaliaPhylum - ArthropodaClass - InsectaOrder - LepidopteraFamily - LasiocampidaeGenus - MalacosomaSpecies - Malacosoma americanum What Do  They Eat? Eastern tent caterpillars feed on the foliage of cherry, apple, plum, peach, and hawthorn trees. In years when Malacosoma americanum is abundant, the large number of caterpillars may defoliate their host trees entirely and then wander to less preferable plants to feed. The adult moths live just a few days and do not feed. Life Cycle Like all butterflies and moths, eastern tent caterpillars undergo complete metamorphosis with four stages: Egg - The female oviposits 200–300 eggs in late spring.Larva - Caterpillars develop in just a few weeks, but remain quiescent in the egg mass until the following spring, when new leaves appear.Pupa - The sixth instar larva spins a silken cocoon in a sheltered location, and pupates within. The pupal case is brown.Adult - Moths fly in search of mates in May and June, and live just long enough to reproduce. Special Adaptations and Defenses Larvae emerge in early spring when temperatures tend to fluctuate. The caterpillars live communally in silken tents designed to keep them warm during cool spells. The broadside of the tent faces the sun, and caterpillars may huddle together on cold or rainy days. Before each of three daily feeding excursions, the caterpillars tend to their tent, adding silk as needed. As the caterpillars grow, they add new layers to accommodate their larger size and to move away from the accumulating waste of frass.​ Eastern tent caterpillars exit en masse three times each day: before dawn, around midday, and right after sunset. As they crawl along branches and twigs in search of leaves to eat, they leave behind silk trails and pheromones. The trails mark the path to food for their fellow tentmates. Pheromone signals alert other caterpillars to not only the presence of foliage but provide information about the quality of the food on a particular branch. Like most hairy caterpillars, eastern tent larvae are thought to deter birds and other predators with their irritating bristles. When they perceive a threat, the caterpillars rear up and thrash their bodies. The community members respond to these movements by doing the same, which makes for an amusing group display to observe. The tent itself also provides cover from predators and between feedings, the caterpillars retreat to its safety to rest. Where Do  Eastern Tent Caterpillars Live? Eastern tent caterpillars may infest the home landscape, making tents in ornamental cherry, plum, and apple trees. Roadside stands of trees might provide suitable wild cherries and crabapples, where dozens of caterpillar tents decorate the forest edge. These early spring caterpillars require the warmth of the sun to heat their bodies, so tents would rarely, if ever, be found in shaded woodland areas. The eastern tent caterpillar lives throughout the eastern United States, to the Rocky Mountains and into southern Canada. Malacosoma americanum is a native insect of North America. Sources Eastern tent caterpillar. Texas AM University.Eastern tent caterpillar.  University of Kentucky Agriculture Department.T. D. Fitzgerald. The Tent Caterpillars.Stephen A. Marshal. ​Insects: Their Natural History and Diversity.

Importance of Teamwork - 2119 Words

CONTENTS INTRODUCTION 3 RESEARCH ON VARIOUS SOURCES†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦...3 Research on books 3 Research on academic journals†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.......................4 Research on newspaper†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦........................................................4 Research on website Part I†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.4 Part II†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.5 CONCLUSIONS†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦.5 REFERENCE LIST 7 BIBLIOGRAPY LIST†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦8 INTRODUCTION Working in teams has became increasingly common. â€Å"A team is a group of people who are interdependent with respect to information, resources, and skills and who seek to combine their efforts to achieve a common goal† (Thompson,2008). The role of work team has†¦show more content†¦3. Research on newspaper Teamwork is essential for every field in the world, especially in business, the main purpose of it is to increase efficiency and productivity, and this is one of the most important issues within the business, however there are more points involved when we consider the importance of the teamwork in business. The article found discussed a few importance of teamwork in a company, firstly, as a team, people will have the same goal towards the benefit of the organization, and therefore, the work will be more efficient, because, two people working for a same goal will always be more efficient than one people working on it. Secondly, a group of people working together, there will be new and fresh ideas, thus, more innovations could be involved, for example, â€Å"an advertising agency will prefer to have employees work in teams as more ideas will be present through brainstorming† (Govind, 2010). The final point that writer concluded is that, team can also improve individual performance, such as, low-skilled workers could be trained to high-skilled workers, and therefore, this will also benefit on the efficiency of company. 4. Research onShow MoreRelatedThe Importance Of Teamwork1215 Words   |  5 PagesTeamwork and communication work hand in hand, gossip, however, is the consequence of poor communication and the death of teamwork. The Business Dictionary defines teamwork as ‘the process of working collaboratively with a group of people in order to achieve a goal’.1 Communication is defined as the act or process of exchanging and sharing information, ideas and feelings.2 Gossip can be described as a form of informal communication but more accurately it has been defined as trivial writing or talkRead MoreThe Importance Of Effective Teamwork On Teamwork2109 Words   |  9 Pages In Organizations, the importance of effective teamwork cannot be understated. 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Leadership and teamwork as indicated by Sohmen (2013) center around soft skills that need to be implemented cautiously, and in a sensibleRead MoreImportance of Teamwork in the Kitchen Essay1118 Words   |  5 PagesImportance of Teamwork In the Kitchen Teamwork in the kitchen is a basic requirement as it is the main key of successful performance for anyone who is, going to or will join this most important department of hospitality. The purpose of this essay is to explain the concept of teamwork and how it applies to kitchen environment. Also, examples of personal experience of teamwork in class are provided to illustrate its effectiveness as a way to achieve common goals. Dwyer (2013, p. 224)Read MoreThe Importance Of Teamwork And Its Advantages Essay2244 Words   |  9 PagesSECTION 1 Definition of teamwork and its advantages and disadvantages Teamwork consists of a group of people coming together to form a team, to work together to achieve the goals that have been set out. In order for a team to reach their objectives and be successful as a team they must find out what each team members role is in the team. They must set up team rules on how they will work together, how they will distribute information and how they will resolve any team conflict if any arises. TeamRead MoreEssay about The Importance of Teamwork1128 Words   |  5 PagesThe Importance of Teamwork In this assignment I am going to look at teamwork and important it is, also linking it in with how vital teamwork is in the modern Public Services. To do this I will be looking into the main theorists and their guidelines for a team to work well and to be efficient. Teamwork is a group/ team of people working towards a common goal or target. Bill Gates describes teamwork as ‘A group with a common goal’. The advantages ofRead MoreThe Importance Of Teamwork And Its Terms Of Management2818 Words   |  12 Pagesgoals. Once Andrew Carnegie (Scottish American industrialist) said that Teamwork is the ability to work together toward a common vision. The ability to direct individual accomplishments toward organizational objectives†.This essay indicates an importance of teamwork and its equivalents in terms of management. These include globalisation, technological development, increased diversity and challenges for managers according to teamwork. As a part of the assignment I am going to highlight the changes appeared

Challenges Of Retailing And India - 1301 Words

CHALLENGES OF RETAILING BANKING IN INDIA: 1. Generation Next segment: (426 million young Indian between age group of 15-34 years see life and life-style very differently)- This is going to be the target in immediate future. It is currently urban phenomenon but it would not be too long when it will emerge in rural India also. They are tech-savvy and prefer electronic channel. They seek financial information from variety of sources and are very fickle shoppers. Banks will have to leverage technology and develop E-based products to tap this segment 2. Rural segment is one from where fresh demand of retail loan is being generated. PSBsare in real advantage as they have good network of rural and semi-branches where competition is less and opportunities are more. 3. Cross selling and up selling : is a very successful way of improving volumes. As a strategy existing customers should be offered products where profit margins are more e.g. offering car loan, furnishing loan etc. to existing housing loan customers. Further based on contribution of the customers to bank, differential-pricing strategies such as discount in interest, as relation ship waiver has to be evolved. 4. Housing loan has large potential -: House today is better affordable through loan. Tax breaks have spurred credit demand. RBI move to cover home loan up to Rs. 20 lakhs under priority sector has made the banks to push harder the home loan product. The SARFAESI Act has increased level of comfort as bankShow MoreRelatedAnalyzing The Matching Process : Human Resource Management And Competitive Strategies Essay1472 Words   |  6 Pagesachieving the goals of a franchise firm. 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Their objective is to be the leader in the luxury market, continuing to transmit

America in the 60’s A Personal Account of a Hippie Free Essays

The sixties was a tumultuous decade.   America went into a war that has lost the support and commitment of the American people.   My interviewee was a college student then and he claimed that he had learned more in the streets than in the four walls of the classroom. We will write a custom essay sample on America in the 60’s: A Personal Account of a Hippie or any similar topic only for you Order Now While American soldiers were fighting the Vietcong in order to liberate South Vietnam, they at home were fighting the government to bring home the American soldiers.   According to him, â€Å"our soldiers were just being slaughtered in the battle for nothing. He believed that it was not a war that America should fight. While people gather around together in rallies and movements, there was a diversity of causes people fight for. While my interviewee was particularly concerned against the Vietnam War, his interactions with other activists led him to realize other important social ills that needed to be addressed. He learned about the civil rights movement and feminist movement. The former were basically black people fighting against racial discrimination and seeking for equal rights particularly the right to suffrage.   The latter on the other hand, were fighting against women’s rights.   But in many cases, they assemble and joined together to stage a mass movement. The rallies sometimes end up violent with the police committing brutality in dispersing the activists. But joining rallies were like a fad.   It was fun, adventurous and liberating. In fact, the violence that occur form part of the thrill of joining rallies.   Accordingly, many of those who joined were not really into the causes of the movements but were there for kicks.   Rebellion seemed part of the youth culture of the sixties in order to be hip. One of the most unforgettable experiences my interviewee had was his attendance to the most well known musical event that practically defined the 60’s, the Woodstock festival in 1969 billed as a three day celebration of music, peace and love (Schomp, p65). According to him, over half a million people participated in the festival.   As a dedicated activist, the Woodstock was really a united protest action against the Vietnam War but the media just sensationalized the nudity, drugs, and sex committed by the hippies in the event. In my short interview with this acquaintance of mine, the events in the 1960’s seemed closely interlaced with each other and everything seemed to happen simultaneously unlike in the textbook where history is presented like separate and isolated events. The 1960’s was indeed turbulent and riotous per my personal evaluation of my history book and as admitted by my interviewee himself.   However, the book wasn’t able to capture the enjoyment and the ventures that people experienced during that time. My interviewer commented that the sixties was indeed a time of serious transition in the American political sphere, but it wasn’t that dull, boring and uptight serious as written in the pages of a book.   The youth was daring yet were still having the time of their lives. Work Cited: Schomp, Virginia. The Vietnam War. 2nd edition. Marshall Cavendish, 2001, pp64-66    How to cite America in the 60’s: A Personal Account of a Hippie, Papers