Frankenstein's Attempt to abandon the Creature in the Real Monster Essay

Frankenstein's Attempt to forsake the Creature in the Real Monster - Essay Example Consequently, the facetious inquiry that ascents here is: â€Å"who is the genuine beast then?† on a superficial level, it appears that since Dr. Frankenstein has made, he is the genuine insidiousness or the genuine beast. In any case, a more profound investigation will essentially uncover that Dr. Frankenstein as a researcher who is acceptable willed enough to find the riddle of Nature so as to expel the flaw is the beast; rather his attitude to surrender his animal (likewise his inability to mingle it) as a result of its horrible appearance is the genuine beast for this situation. The Real Monster: Frankenstein’s Refusal to Socialize the Creature Those who expect Dr. Frankenstein himself as the genuine beast contend that his endeavor to make life is to be deciphered as a tremendous wrongdoing against nature and the desire of God. The establishment of Frankenstein’s offense against Nature is: â€Å"Frankenstein is a renegade against nature when he attempts not exclusively to locate the mystery of life yet additionally to evacuate life's defects† (Rohrmoser 3). Such recommendation that like the unbelievable Prometheus, Doctor Frankenstein can be considered liable for offense against nature and God is additionally reinforced by the assumption that in the long run Shelly’s hero has been rebuffed essentially for perpetrating such wrongdoing. Yet, this proposition about Frankenstein’s offense against nature goes up against a straightforward inquiry, â€Å"Does Frankenstein plans to make a monster?† Textual confirmations in the end will uncover that Doctor Frankenstein has no goal to make a beast; rather his sole target is to correct the nature’s blemish by getting a handle on the privileged insights of life. For sure his numbness about how to sustain his animal that clearly resembles a detestable causes the last destruction he endures toward the finish of the novel. By viably delivering an innocent imitative b eing, he basically propounds that man can get the privileged insights of life and passing and scanning for the mysteries of life and demise is not much. In any case, Frankenstein’s colossal wrongdoing lies in the way that he surrenders the lab-made animal in view of its frightful look in a split second after its introduction to the world. Clearly he carries out this wrongdoing being uninformed of his obligation that more noteworthy information forces upon him and by declining to assume the protective job of supporting the animal. He has not carried out any wrongdoing by looking for the privileged insights of life. Formation of a Naive Monster: A Success of Frankenstein’s Good-willed Research Mary Shelly’s endeavor to invest the beast with humanly emotions and desires in a general sense discredits the case that the animal is a beast. Simultaneously it additionally propounds that Frankenstein’s research in nature’s privileged insights is neither inco nceivable not profane. The terrible appearance of the animal isn't sufficient to demonstrate that Frankenstein’s tremendous goal to conflict with the desire of God has fizzled. In fact his prosperity lies in the way that he has effectively made a being that can learn like a man; that additionally has humanly desires to adore and to be cherished. The animal needs to have a female one. Such need demonstrates its craving to cherish and to be adored. Rather than being appalled by the creature’s horrendous appearance, Frankenstein as a mindful researcher could mingle him. Be that as it may, similar to a yearning researchers, his aspiration drives him to accomplish popularity without being capable towards his creation. Frankenstein himself perceives the blemish of his aspiration in the accompanying sentences, â€Å"How perilous is the procurement of information, and how much more joyful that man is who

Censoring Our Students :: Argumentative, Legal Issues, Social Issues

â€Å"Students don't shed their sacred rights to the right to speak freely of discourse or articulation at the school building gates.† - Justice William Brennan For a long time it has been discussed whether understudies have a similar alteration rights as some other individual on the planet. Many would state that they don't. They would state that by removing those state given rights they are shielding the understudies from being presented to negative things. Sadly the main thing that is being cultivated by this overprotection is the absence of comprehension of the world they will before long be confronting. â€Å"Why not stand firm as an open foundation that communicates and investigates the mind boggling scope of human encounters? For what reason be political and contrite about the way that we don't avoid troublesome, testing, and complex themes? (Durbin)† There isn’t an increasingly suitable proclamation. Why not stand firm? Get ready understudies for this present reality. Show them how to endure. By blue penciling out issues or just permitting restricted conversations of prominent subjects, understudies are not being presented to fundamental abilities that are significant to this present reality. In this manner setting them up for disappointment.      The American state funded schools, for a long time, have been confronted with the issue of restriction. Numerous such issues have been cultivated by bunches who question the utilization of instructional materials that don't meet their ethical, strict, political, social, or ethic esteems (Sherrow 38). By editing subjects, for example, homosexuality, religion, sex, racial issues, and other no-no points it isn't permitting the development and extension of student’s minds.

Case Study Of Barclays Premier Banking Marketing Essay

Case Study Of Barclays Premier Banking Marketing Essay There is probably no person in the world that has never heard about Barclays Banking system. It is wildly popular given its efficiency and transparency. However, we will also look into other factors which make Barclays Bank one of the best options on the market. What makes users opt for this banking system? There are tonnes of different factors which customers are influenced with even without knowing it. First of all, there is the culture which moves them toward this decision. It works almost invisibly but pushes potential clients to choose this bank over others. Also, there are factors which identify how well the product is present on the global scale. The best part is that this establishment has nothing to worry about when it comes to global presentation, as they have a lot to offer here. Besides, customers who come from the higher layers of society chose the Premier Banking because it supports their prestige, and this means a lot to them. That is why it is truly a great strategy to make an accent on the prestige and let people enjoy the benefits of the program. Also, customers of this Bank can benefit from the support of the assistance provided by a team of professionals who will be there day and night taking care of their clients. They can come up with the best solutions for the occasion as well as the function all day long to keep clients satisfied. Besides, the Bank offers its customers all kinds of rewards and benefits which make people feel cared about. Barclays Premier try to do their best to function in a way that is acceptable for clients. So, they add flexible propositions and offer exclusive benefits for Premier customers only. Studying how Barclays attract and keep their customers happy and loyal can be an incredible opportunity for individuals interested in learning more about consumers’ habits. Thus, customers are more likely to be loyal if they know that day or night you are ready to help. For this reason, the bank has round-the-clock call centre all available to answer your questions. And another benefit, though it is not as crucial to clients’ decisions on a bank is the special parking lots for customers with Premier-level services. To have better access to the services Barclays has to offer, the employees of the bank created special parking lots. This was a huge thing in its days and made some customers opt for this bank among other options. So, there is a lot one can learn from how the Barclays runs its business. They truly use the best and most powerful world practices that influence their customers even in the ways they not expect. Many banks today can use them as a perfect example of conducting business with people of the higher classes.

The Negative Impacts of the Harlem Renaissance Essay

The 1920’s were a period or rapid growth and change in America. After World War I American’s were introduced to a lifestyle of lavishness they had never encountered before. It was a period of radical thought and ideas. It was in this time period that the idea of the Harlem Renaissance was born. The ideology behind the Harlem Renaissance was to create the image of the â€Å"New Negro†. The image of African-American’s changed from rural, uneducated â€Å"peasants† to urban, sophisticated, cosmopolites. Literature and poetry abounded. Jazz music and the clubs where it was performed at became social â€Å"hotspots†. Harlem was the epitome of the â€Å"New Negro†. However, things weren’t as sunny as they appeared. Many felt that the Harlem Renaissance itself†¦show more content†¦What seemed to be at first a good idea was a subtle form of racism and stereotyping. nbsp;nbsp;nbsp;nbsp;nbsp;Racism was not eliminated during the Harlem Renaissance. In fact, it was more prevalent then ever. The Ku Klux Klan included a membership of more then 4.5 million members by the mid 1920’s. In 1924 they passed out membership cards stating, â€Å"When aliens run the United Stated States†¦then the Ku Klux Klan won’t be worth a damn.† (Document C) The KKK fed on the fear created by the Harlem Renaissance. Many Whites weren’t used to the idea of Blacks having an influence, and they panicked. Organizations like the KKK utilized this fear to increase their membership to staggering proportions. They continued to torment the African-Americans, and continued the practice of racial bigotry. In 1922, Congress passed an Anti-Lynching Bill stating that, â€Å"depriving any person of his life without authority of law† was a criminal offense. (Document A) However, lynching and burnings still took place. Before the end of 1929 the KKK had lynched more then 200 African-Americans. Congress was ill equipped to enforce this bill, and it had little effect in the areas that needed it most. The KKK believed in White Supremacy and that their problems were caused by Blacks. They continued to discriminate and instill a sense of fear in these people. The use of chain gangs as a form of punishment was still in widespreadShow MoreRelatedThe Negative Impacts of the Harlem Renaissance1169 Words   |  5 Pagesthe idea of the Harlem Renaissance was born. The ideology behind the Harlem Renaissance was to create the image of the New Negro. The image of African-Americans changed from rural, uneducated peasants to urban, sophisticated, cosmopolites. Literature and poetry abounded. Jazz music and the clubs where it was performed at became social hotspots. Harlem was the epitome of the New Negro. However, things werent as sunny as they appeared. Many felt that the Harlem Renaissance itself wasnt soRead MoreThe Harlem Renaissance : A Literary, Artistic, Cultural And Intellectual Movement1485 Words   |  6 PagesTatiana Moore Mrs. Donald English III 26 March 2014 The Harlem Renaissance The Harlem Renaissance was a literary, artistic, cultural and intellectual movement. The word renaissance means rebirth or revival. African Americans during this time were being pressured by Jim Crow Laws in the South. These laws separated the races tremendously (Roses). African Americans appeared ignorant, poor, and servile. Hate groups and hate crimes alarmed families, and they collectively decided it was time to make aRead MoreThe Harlem Renaissance850 Words   |  4 Pages Giselle Villanueva History IB Mr. Flores February 7, 2016 Period 4 Word Count: 693 Harlem Renaissance The Harlem Renaissance was the first period in the history of the United States in which a group of black poets, authors, and essayist seized the opportunity to express themselves. The Great Migration was the movement of six million African Americans from the rural South to the cities of the North during 1916 to 1970. Driven from their homes by unsatisfactory economic opportunities and harsh segregationistRead MoreExploring African American History : The Harlem Renaissance1521 Words   |  7 PagesTi’Anna Smith Period 1 AP World History 12-14-15 Exploring African American History: The Harlem Renaissance The Harlem Renaissance originally known as the New Negro Movement was an important part of African American culture and history, which helped African Americans express themselves and celebrate their heritage. Between the years of 1890-1920 close to two million African Americans traveled from the rural southern states to the northern cities. They traveled to these northern cities in hopesRead MoreHarlem Renaissance Essay1341 Words   |  6 Pagesduring the Renaissance was they had really short life there was no black people in it other than artists. Harlem Renaissance were first one to criticize black and white. They came to dominate Harlem Renaissance through creativity and culture. Madhubuti’s contention, Jeffery Stewart stated after major victories of the civil rights movement another intellectual and cultural rebellion called Black Power movement. Madhubuti’s, a black arts movement members relationship with Harlem Renaissance is one ofRead MoreThe Harlem Renaissance Is Embraced As One Of The Most Influential1412 Words   |  6 PagesThe Harlem Renaissance is embraced as one of the most influential artistic movements within African American culture. This period embraced black art, poetry, fiction, drama, and visual art. Visual art was vital to the movement, as many artists sought for representation of black individuals as the art realm was grossly dominated by white artists, who gave very little thought or recognition towards black subject matter. The visual art renaissance featured Aaron Douglas, Palmer C. Hayden, ArchibaldRead MoreTableau Analytical Essay . The Harlem Renaissance Was A1351 Words   |  6 PagesTableau Analytical Essay The Harlem Renaissance was a turning point for the United States as a whole, but more importantly African American Culture. African Americans in the United States became more prominent and involved in society. Culturally and artistically African Americans began to thrive as they began to fully express themselves and become more involved in American society. Countee Cullen, an African American, was apart of the artistic movement. Through his writing Cullen exemplified theRead MoreThe Great Gatsby By F. Scott Fitzgerald1138 Words   |  5 PagesKlan, the Great Depression, and Prohibition. But so many positive things happened in the 1920’s which made it a positive time. The time period of the 1920’s was a positive time in American history because The Harlem Renaissance, The Golden Age, and inventions. The 1920’s was not a negative time. Many groups that were not expected before started to stand up for themselves to get equal rights. â€Å" Many Blacks began to take pride in their ethnicity and great outpouring of art, literature, and musicRead MoreSimilarities and Differences Between Yet Do I Marvel and If We Must Die1441 Words   |  6 PagesRyan Cirillo 6 March 2013 Dr. Dalessio Eng 1011 Similarities and Differences between â€Å"Yet Do I Marvel† and â€Å"If We Must Die† During the Harlem Renaissance, many African Americans struggled through a shifting period in time from slavery to equality. Some African Americans expressed their feelings at that time through poetry such as â€Å"Yet Do I Marvel† written by Countee Cullen and â€Å"If We Must Die† by Claude McKay. In â€Å"Yet Do I Marvel† Cullen writes about how the struggles he is facing relateRead More The History of Harlem - Cultural Epicenter of America’s Black community2254 Words   |  10 Pagesof which being the negatives stigmas that unfairly generalize their people, culture and way of life. Therese stereotypes of a whole nationality label Blacks as, â€Å"superstitious, lazy, ignorant, dirty, unreliable, (and even) criminal,† (â€Å"Stereotypes†). Such generalizations are products of the public’s perception, which has been diluted by rooted historic and current prejudice as well as the media’s conveyance of a well-known African Ame rican cultural center: Harlem. Despite negative connotations associated

The Segregation Of South Africa - 846 Words

Africa is a country with many different government parties, each having its own legislation. Although much of the country is of the non-white population, the government officials in South Africa were all white. This lack of diversity within the government led to the establishment of racial segregation, the term used for this segregation was apartheid. Many of the issues that led to the eventual establishment of segregation stemmed from the 1913 Land Act, â€Å"marked the beginning of territorial segregation by forcing black Africans to live in reserves and making it illegal for them to work as sharecroppers.†(History) For nearly 35 years, the power of the segregation grew cumulating once the Afrikaner National Party won the elections in 1948. After the National Party took control of the government, they passed legislation implementing controls on the interactions that the population would have between the different ethicizes. Not only were the people segregated, but the land was also divided between white and nonwhite territories. While the apartheid was in full affect, there were different social groups for each race the Bantu was a term used for the all black people. The government in 1958 feared the possibility of the Bantu people strengthening in a combined power eventually raising against the government. Due to this fear, the government divided the Bantu people in to separate group with the intentions that if the people are separated they would not have the powerShow MoreRelatedSegregation Laws in South Africa709 Words   |  3 Pagesoutlaw it. Also this law allowed the government to ban the right to public assembly. [1] In Nelson Mandela, the African National Congress found a man with great political potential experience and a leader that could unite an entire nation against segregation and discrimination. Mandela had political influence since his childhood. He was born in the small village of Mvezo. His father was the leader of this town. From his father Mandela learned a lot about political leadership. [4] Mandela was the firstRead MoreRacial Segregation in The Bahamas and in South Africa2403 Words   |  10 Pages A dramatic turn of a century for Black Bahamians and Black South Africans. There are many challenges that led to this dramatic turn as both societies underwent similar hardships. Both countries were under the yoke of colonized foreign systems where they were governed: the Bahamas under the British system and Africa under the English and Dutch. Similarly, both were dominated and suppressed by the white minority who ensured that the black majority remained in bondage. â€Å"History punishes those whoRead MoreRacial Segregation And The National Party Of South Africa2978 Words   |  12 Pages1948, â€Å"A policy or system of segregation or discrimination on grounds of race†, was in full effect (Apartheid History). The National Party of South Africa founded in 1914, which consisted of white Afrikaners, gained full political power (Apartheid History). With their whi te supremacy and pro-apartheid views, they strictly enforced new and existing policies of racial segregation. The Institutionalized concepts of racial discrimination called for any non-white South African to be subject to policiesRead MoreNelson Mandela s Eradication Of The Apartheid1327 Words   |  6 Pageshis legacy remains not just in South Africa but the entire world. Nelson Mandela participated in the eradication of the apartheid, and in 1994 became South Africa’s first black president. Mandela and many other black South Africans worked hard to end the unjust segregation in South Africa, and they were successful in destroying the wicked apartheid system. Over 20 years after the eradication of the apartheid, is South Africa completely free of the past segregation and social problems it faced beforeRead MoreFor the Good of South Africa in Theophilus Msimangus Cry, the Beloved Country 1657 Words   |  7 Pagespowerful quote spoken by Msimangu which reflects among his c haracter throughout the book. Msimangu hoped for people living in South Africa to forget race and to instead think of what would best help the country. Although South Africa has been on a rocky path, they do seem to have taken a turn on the right path, on the path to racial equality for all. Unfortunately, South Africa has not fully met Msimangus ideas on which people of all races work together solely to help for the good of the country.Read MoreNelson Mandela is a Worldwide Influence973 Words   |  4 Pagesnever stopped striving to make a large impact on not only South Africa, but the world as well (Schoemaker). Nelson Mandela is a major worldwide influence due to his key role in the transformation of South Africa from apartheid to democracy, the numerous charities he established and supported, and his lifelong dedication to ending racial segregation permanently in South Africa. Nelson Mandela was key in the transformation of South Africa from apartheid to democracy. He was the youngest son of aRead MoreHow the Apartheid Came to Be in South Africa1184 Words   |  5 PagesIn 1948, apartheid was introduced to South Africa. Apartheid means apartness and is the political policy of racial segregation. Each racial group was segregated from other races within South Africa. These groups consisted of whites, blacks and coloreds (Asians and Indians). The minority white population had the rule over the whole country. Apartheid did not only detach whites from non-whites, but it also set apart the Blacks from the Coloreds. When apartheid ended in 1994 a legacy was leftRead MoreGke 1 Task 21300 Words   |  6 Pageshis role in fighting apartheid and being the first multi-racial president of South Africa. His presidency created a significant change in the perception and building of a multiracial society in South Africa and around the world. Nelson Mandela was al so known to be a leader of a civil rights organization known as the African National Congress. The purpose of the African National Congress was to demolish racial segregation and discrimination. The two most significant social changes made by Nelson MandelaRead MoreThe New Union Of South Africa1379 Words   |  6 PagesIndependent Union of South Africa was formed of the four South African provinces. The formation of the union was spurred on by the discovery of precious minerals on the Rand between the two Afrikaner republics; this event is known as the Mineral Revolution. A result of this industrialization is a segregation that plagued South Africa’s transformation into an nation and climaxed into the institution of apartheid. This racial segregation lead to the suppression of black and colored South Africans. ThoughRead MoreThe Issue Of South Africa1714 Words   |  7 Pages Many of the contemporary issues in South Africa can easily be associated with the apartheid laws which devastated the country. The people of South Africa struggle day by day to reverse â€Å"the most cruel, yet well-crafted,† horrific tactic â€Å"of social engineering.† The concept behind apartheid emerged in 1948 when the nationalist party took over government, and the all-white government enforced â€Å"racial segregation under a system of legislation† . The central issues stem from 50 years of apartheid

Analysis on settlement hierachy coursework Free Essays

In my introduction of my investigation I made a hypothesis that said, â€Å"the settlements of Prestwood and Wendover demonstrate the settlement hierarchy.† I predicted that Prestwood was a large village and Wendover was a small town, and I said that I would try and prove this by observing and comparing the two settlements with each other. Over the last four months I have investigated this hypothesis thoroughly and my results and data presentation have proved that my hypothesis was correct. We will write a custom essay sample on Analysis on settlement hierachy coursework or any similar topic only for you Order Now I have collected this data in various different techniques, but my main technique was the questionnaire, which I carried out in both settlements. Some of which is primary information, like the questionnaire which I designed, the photographs which I took of particular services and characteristics in each settlement which I collected all myself; and some of it is secondary information like the data which I collected from the Aylesbury reference library. My data helps show that the two settlements that I carried out my investigation in, Prestwood and Wendover are placed in some sort of order in the settlement hierarchy. Prestwood is the smaller settlement of the two with a population of 7124 people, and Wendover being the larger settlement of the two having a population of 8612 people; I collected this data form the Aylesbury reference library. Also in Wendover there is a wider range of places where the people have visited from in Wendover, whereas in Prestwood the majority of people visited from within the settlement and so I sketched out a land use survey of the services and whether or not they were high or low. After examining and comparing each of the settlement diagrams I realized that there is higher amount of high order services in Wendover than Prestwood which symbolizes another characteristic of a town. Whilst collecting my data for my questionnaire I had to write down the services available and whether they were low or high services. I found out that Wendover has a larger amount of services available than Prestwood and so more people would visit the settlement due to the wider range of services. I carried out a traffic survey also and I found out that Wendover has a higher average of vehicles passed per minute in a busy part of the settlement than Prestwood. 1. What are the populations of the two settlements? To investigate about this question I researched and collected information from the Aylesbury reference library. During my visit there I found out the population of each settlement. I discovered that the population of people living in Prestwood is 7124 people. I also found that Wendover has a population of 8612 people. Due to the fact that I found out that Wendover has a larger population of people than Wendover it gives us the impression that it is a larger settlement also and more likely to be stated as being a town than a village. This makes my theory and prediction correct, when I stated that the larger settlement would have a larger population. 2. What services are available in each settlement? (Low/High) The settlement of Wendover contains of a large number of low, medium and high order services, with a total number of 10 low order, 21 medium order and 10 high order services. In the certain area of which I carried out my investigation there were a number of 10 low and medium order services and 8 high order services. The settlement of Prestwood contains mostly medium order services with some low order and one or two high order services. In the certain area of which I carried out my investigation in Prestwood there were a number of 10 low and medium orders services and 6 high order services. These facts agree with my theory and prediction of; the settlement with the larger population would have a larger number of high order services and the smaller settlement would have a larger percentage of low and medium order services. I think that this is true due to the fact that if there are more people living in the settlement there will correspondingly have a range of low, medium and high order services. 3. How far do people travel to visit Prestwood and Wendover for their services? (High/Low) During my investigation I carried out a questionnaire to find out information about this question. In the settlement of Wendover people travelled from distant surroundings like the outskirts of Aylesbury and Princes Risborough. Whereas in the settlement of Prestwood I found out that there are only very few people whom visit the services actually outside Prestwood, let alone travelling a long distance to use the services. I also discovered whilst carrying out my questionnaire in Wendover that most people whom have visited from a distance used the high order services, while on the contrary the settlement of Prestwood most people visited to use the low order services. These statistics give me the impression that people are only willing to travel a long distance to use the high order services rather than in Prestwood most people have travelled from within the village or the outskirts of it. Due to the fact that there are more high order services available in Wendover may be the reason in why there is a higher amount of people using the services, and why more people have travelled to Wendover from a distance than Prestwood. From my questionnaire research I found that the general maximum people travel to visit Prestwood is the settlement of Gt. Kingshill, which is only 3 minutes away from the services. I have not included the person whom visited from Aylesbury or Hughenden or the person whom was passing through, due to the number for each was so little. In extent, the maximum length people travel to use the services of Wendover was the settlements of Gt. Missenden and Prestwood, which is roughly 7 miles. 4. Do the number of services available reflect the population of each settlement? In Wendover the number of services does reflect the population of the settlement; this is due to having the population of a small town, being smaller than the large town and bigger than a large village. This is corresponding in the amount of the services and the type of order of the services, as there are more services, with a higher order than the small village but a smaller amount of services than the large town. In Prestwood the number of services does also reflect population of the settlement; this is due to having the population of a large village, being smaller than a small town but larger than a small village. This also corresponds in the amount of the services and the type of order of the services within the settlement. These statistics prove my prediction to be accurate due to the fact that I stated that the larger settlement, the higher the number of services available and the smaller the settlement the lower the number of services available. 5. How many vehicles pass in a certain place of each settlement? In the certain area of which I carried out my traffic survey in Wendover there seemed to be an awful lot more vehicles passing than in the area in Prestwood. I encountered that the average number of vehicles passed in Wendover was 22.467, which is a reasonable high amount. The average number of vehicles in Prestwood was 15.867. These statistics symbolizes the difference of traffic between a town and a village. The larger the settlement the more cars travelling throughout. In my opinion this is due to the population of Wendover being more then Prestwood being higher and so accordingly there should be a higher amount of cars travelling about. The data I gathered follows the theories I introduced in my introduction precisely, this states about the Settlement Hierarchy. All the settlements followed the settlement hierarchy. This theory states that the smaller the settlement and population the less frequency and quality of the services. Therefore the small towns, with small populations, have very few services and the ones that it does are of low quality. Oppositely the large settlements, with large populations, will have more services which are of better quality. I can see this trend of data in my results and data presentation. Prestwood has a smaller population so pursuing my theory it should have fewer services which are mostly of high and low order services, and from my data I can see that is true. Wendover is a larger settlement and has a larger population so, in agreement with my theory, it should have more services, which are of a high order. During the time in which I carried out my questionnaire in Prestwood I asked a man where he had travelled from to use the service he had used, and he replied that he was from Newport in Wales and had come down to visit some of his family. Due to this being very unusual answer I counted his data as an anomaly and did not include it in my results table or in any of my graphs. This interpretation does not relate to my knowledge of the area and that is one of the reasons in which I have not included this in my data. Another is that it does not agree and correspond with my theory and is a one-off occurrence during my investigation. As I have stated before, the settlement of Wendover would obviously be placed above Prestwood in the settlement hierarchy. But if I were asked to place them appropriately on the settlement hierarchy this is where I would. As you can see above I have placed the two settlements appropriately; Wendover is plotted beside the small town section and Prestwood at the top of the village section which is symbolizing that its is not quite a small town but a large village. In conclusion, during the time that I have carried out my investigation on whether â€Å"the settlements of Prestwood and Wendover demonstrate the settlement hierarchy† I have discovered many factors in thorough detail. I have found out that the settlement of Wendover and the settlement of Prestwood do in fact demonstrate in some order the settlement hierarchy. From my own knowledge, experiments and techniques I have made an opinion of my own that Prestwood is a large village and Wendover is a small town. I have discovered through secondary information from the Aylesbury reference library that the settlement of Prestwood has a population of 7124 people, and Wendover, the larger settlement of the two has a population of 8612 people. I have also established that the two settlements of Wendover and Prestwood also demonstrate the order of services hierarchy due to finding out that the larger population the larger the number of high order services and the smaller the settlement the larger percentage of low and medium order services. The larger the population the higher the number of services within and so there is a higher majority of people visiting from far distances. The higher the number of services in the settlement the larger the population and the larger the settlement the busier the roads and the higher amount of vehicles passing. How to cite Analysis on settlement hierachy coursework, Papers

Self Manages Supernnuation Fund Industry

Question: Describe about the Self Manages Supernnuation Fund Industry. Answer: 1. Bearing in mind that there are client looking up to me for a piece of advice on their self-managed super fund organization, I would ensure that I cover the following areas during our interview: Governing rules, trustee must follow the rules and guidelines put in place to ensure smooth operation of the fund and its members. I would also emphasize more on the fund trust deed as it is the document that determines how the fund is to be governed. Strategic plan is also another hot topic that can never be left out when addressing issuescommandingself-managed super fund as it is the item that explains what the fund aims to achieve (Henderson, 2012). Also most of our hard earned income gets lost during taxation, therefore I cannot fail to touch on this subject matter and highlight on how having a self-managed super fund will go a long way in reducing this tax. Finally succession planning will also be included in my bucket since it is at this stage where most self-managed super funds end up collapsing due to poor succession. After all why run a prosperousself-managed super fund only to drop it at the end (Phillips, 2011). As I prepare my clients to attend the interview, I will request them to ensure that they involve all their trustees and if possible ensure they all attend. Also along with them they should carry their self-managed super fund legal documents, financial statements, list of members financial plans, and registration documents. The above mentioned documents will be very handy as Iassess their self-managed super fund structure, so as toadvise them accordingly on the way forward and how they will be able to avoid future costs implications. In a bid to build a close and harmonious relationship with my clients I would employ the following strategies, Emotional mirroring: This entails being a good listener and ensuring that you are on the Clients side story so that you manage to understand the underlying points while presenting. It is showing empathy. Posture mirroring Posture mirroring involves reading the clients body language and imitating it in a way that you give feedback rather than mockery during interview conversations. Tone and tempo mirroring This is matching the tone and tempo of the client while you engage in a conversation. Reciprocity Reciprocity is the act of giving gifts to clients without asking for something in return in order to trigger the feeling of obligation to the client. The points to be regard during afinancial service guide presentation are as follows; How to deal with a complaint if a client is unhappy How the financial advisors are paid The advice and service rendered by the advisors Insurance policies and referrals As an advisor the kind of compensation I would expect to receive would include Fees only in this kind ofcompensationI the advisor will be compensated by fees paid by the client, this may take a percentage a flat retainer fee or an hourly fee or flat rate onetime project fee. This kind of remuneration will ensure that the client will not be engaged in future obligations of advisory fee pertaining the same matter under advisory (Phillips, 2011). Commission-based compensationcommission are to be paid as a percentage of the value of the investment under advisory, this form of compensation might go on for a continued period of time as it is payed once income is realized. E.g. the sale of an insurance policy that I had advised on. The compensation method is very flexible to the client as both the advisor and client will realize revenue at the same time moreover the client is bearing a lighter baggage as commissions are negotiable. Fee and commission based compensation Such arrangement of compensation may be arranged where I will be advising on a financial plan and latter seeing it through its implementation and realization. This ensures that I provide continuous advisory throughout the investment period. (f) The range of products that I will be providing advice on will include; Investment portfolio-investment should be divers in order to spread the risk and avoid major losses. Tax position the client should know the various ways he can minimize his tax burden or avoid it totally Social security investment. Pros and cons of such a fund should be made aware to the customer in relation to retirement. Existing debt the client should be guided on how to recover or clear his debt at all cost. Need for capital growth. After investment it is wise to ensure that the portfolio is always increasing in value due to the devaluation of currency. (g) In case a client is having a dispute, he should follow the following steps to resolve it. The client should identify a reputable ombudsman organization and register his complain The organization will collect information from the client and self-managed super fund organization or any other financial organization that the client is enjoying their services, regarding the complaint. During this period the client will give room for the information to be collected. After this the organization will make a decision regarding the complaint. If the client will still not be satisfied by the decision arrived at by the ombudsman, the ombudsman will provide him with a written assessment on how they think the dispute should be resolved and take it to ASCIS. 2. For a client to need the services of SMFS he or she should be having the following features. He/she should be longing for a means to protect small business or assets. The client should be an individual who is looking for a means in which he/she can quickly buy and exchange assets with minimal tax implications. Cutting cost is another aspect that the client would be focusing on in order to join anself-managed super fund The client would also like to avoid tax, by joining self-managed super fundhe will achieve this since once self-managed super fundstart paying pensions they are not taxed on capital gains due to a sale of asset. Finally the client would be aiming to acquire assets that are so expensive that he cant afford them on his own but by joining forces he is able to own part of the property The reason as to why we as financial planners may require to utilize self-managed super fund will include; Self-managed super fundstructures are effective and avoid administrative weaknesses since I and the other members are much in control of our investments decisions therefore the time lag experienced in large funds organization when a request is lodged, will not be the same in our fund. Due to the uncertainty of the future, self-managed super fund is very flexible such that when one reaches 60 years and above he will be able to withdraw benefits tax free before death to avoid potential death benefits tax payable by beneficiarys e.g. my adult children. With a large self-managed super fundI will be able to cut cost since once it accumulates large balances above $200,000 and above administrative cost will not be felt that much is it is in small funds, since administrative funds are fixed regardless of fund balances Once the self-managed super fundstarts paying pension I will be able to enjoy the advantage of not paying tax on capital gains once we sell an asset. (c) The benefits of self-managed super fundwith regard to the following headings will include Personal control- in a self-managed super fundone is able to cut cost, buy and sell assets quickly, protect assets and also withdraw tax-free benefits in future. At the same time each trustee has control on the investment decisions to be made. Cost control- self-managed super funds have a potential of cutting cost on administration once they accumulate balances more than$200,000 since the administrative cost is uniform regardless of the balance deposits. Investment flexibility: a member of self-managed super fund has the ability to change their investments and asset allocation of their portfolios quickly and at ease. If I was a large fund for instance, an investment company there would be a delay between when the investment changes are requested and when they are affected. Retirement Income Streams- as an investment vehicle self-managed super fundare convenient since they provide good returns that do not attract capital gains tax once they dispose an asset so long as it is paying pension. Moreover the fund can be inherited by the kids once they come of legal age. Protection from Creditors- self-managed super fundsare a good means of protecting assets as well as business. This prevents the creditors from accessing your personal property, since it offers asset protection succession planning and security of tenancy. Life Insurance-once one joins a self-managed super fundhis life insurance is declared null and void, however the trustees have an option of purchasing a life insurance that covers all the trustees Estate Planning- most of the times individual finance might be limited when one is to acquire expensive assets with low savings. Members of self-managed super fundhave an advantage of combining their funds and acquiring assets that are deemed expensive and own a portion of it. Taxation Planning- if you are a person who would like to avoid tax or even pay zero tax then self-managed super fund is the way to go since it offers an option of tax-free benefit withdrawal once you are aged above 60 years or evenavoid capital gains tax when selling an asset so long as pension I being paid by Self-Managed Super Fund. (D) The following disadvantages are associated with Self-Managed Super Fund. Self-Managed Super Funds are time consuming since it requires one to be fully and actively involved in the management of the entity and also all the administrative and day to day investment duties depend on the trustees(Phillips, 2009).. Lack of investment knowledge may pose as a challenge since all the investment decisions depend on the trustees despite having a financial advisor, the penalties will be imposed on the trustees incase the funds fail to remit returns on time. Non-compliance penalties are also a disadvantage as the tax office that regulates self-managed super funds has the power to freeze the funds due to non-compliance status. Causing a tax shocker. Administrative cost are all uniform regardless the self-managed super fundhas huge or small balances, this is a disadvantage to self-managed super funds with small balances as it eats up the funds and make it costly to run the investments operations. 3. The clients will not meet their requirements without my advice since it is their first time to be involved in aSelf-Managed Super Fund. The assumptions that I made in relation to my decision is that While Frank has run a successful business for many years, he has only limited investment experience and Frank and Heather describe themselves as growth motivated investors. This puts them at a very big risk of losing their funds in the trustees either due to non-compliance or poor investment choice. The information source that have used to arrive at my conclusion is the case study above where it states that While Frank has run a successful business for many years, he has only limited investment experience and Frank and Heather describe themselves as growth motivated investors. Investment restrictions that are put in place by government for Self-Managed Super Funds are: You cannot buy or sell assets from members You cannot lend money to members or any other related parties. Assets bought for commercial basis cannot be sold below the market value Borrowing money from your self-managed super fund is restricted unless under certain conditions. 4. TheEdithvale Retirement Fund managed to raise enough fund of $625,000 above threshold,also the fund was timely since in two years time Edithvale Retirement Fund will not be subject to capital gains tax or income tax as frank retires. However at the moment all the three members of the fund are fully committed and no one is free to run the operations of the self-managed super fund (Phillips, 2011). Also the fund has a member who is currently remitting funds but has no legal recognition of belonging to Edithvale Retirement Fund this might pose achallenge to this member regarding his finance in the fund and therefore the trustees should ensure that legal documentation is availed for the member to be recognized (Murden, (2014). (b) Considering that frank wants to transfer his business toEdithvale Retirement Fund, with least cost possible incurred, he should do the following; Value the business and estimate its current market price and then spread the price in specie over the years. Since he is aged 61 he can treat the business as a contribution to the fund where he will be contributing $100,000 yearly and once he is 65 years old he can be contributing $450,000 a year till the fund fully owns the business., this will ensure that he avoids the concessional contribution tax which is 46.5% per year on excess contribution. In addition it will ensure the income tax from business will be tax free once self-managed super fund hits the pension phase (Phillips, 2009).. Strategic Planning -since already frank and his already own a house it will be much protected while under the fund and also it will help in acquiring more assets through external debt since the fund will have more leverage Tax planning and structuring the-three members soul ensure that they do not dispose any kind of asset belonging to the fund until it starts to pay pensions in order to enjoy capital gains tax free in future while it pays pension Superannuation and retirement -contributions being made to the fund should be more than enough to generate enough income such that after retirement frank and his wife wont realize any reduction on their annual income in fact it will more than what they used to live on (Phillips, 2009). Estate and succession planning-while the advisor in most times focuses on how to invest, at this stage he is very crucial together with the legal officer as they are supposed to be present during the succession of the self-managed super fund as for frank the next trustee in linewill be his son and his wife as the other trustee (Henderson, 2012). Risk management - in order to manage or minimize risk on investment, the trustees of the fund, that is frank and his wife should diverse their portfolio so as to make sure even if one investment fails to remit returns on time the rest will still be in good shape. Asset protection once-frank has managed to transfer the business to the self-managed super fund he will enjoy asset protection from creditors and also payless tax on running the business. Investment advice the-newly formed self-managed super fund is doing fine though it would be wise to exploit other investment vehicles such as shares and government bonds in order to increase the returns. Cash flow management-every member of the fund should ensure that he or she has kept track of expenditure especially ben who is looking forward to start a family, it will also help him to realize his ability and power to save Personal budgeting-this ensures that the expenditure made is in line with the goals intended and thus avoid wastage of money on unnecessary goods 5. Preparations I will undertake before presenting my strategies are as follows 1 Ensure the content I am about to deliver is in line with what the client is looking for to avoid deviation on the topic. 2 Internalize the strategy such that I understand it well enough to connect it with the clients financial situation in order to yield solutions. 3 Have charts around in case I need to explain a concept using diagrams. Steps on how to transferreal-estate property to self-managed super fund. Theclient should first seek financial advice concerning the valuation of the property in order to ascertain the current market price of the asset, and then spread the amount throughout the following years (Murden, 2014). From there, he should seek legal advice on various means he can use to transfer the property to the self-managed super fund. The advice may include transferee by contribution where the client takes thevalue of the asset as a contribution to the self-managed super fund, where by the spread amount will be contributed after every year. The tax implication that will be involved with this option is only the concessional contribution tax which 46.5% that will take effect once the amount exceeds the stipulated contribution per year. Another way is to acquire the asset by simply purchasing it, though this will attract the (CGT) capital gains tax during transfer finally the individual may result to selling of the business shares to the self-managed super fund although the method has a lot paperwork and high cost implications. After the above advice the client settles on one option of transfer, Objections that might be raised by clients during presentation might include. How will I be able to manage aself-managed super fund yet I know nothing about financial investment? Response; that is the reason I am here to help you and walk you through the financial investment through self-managed super fund as a partner and ensure you get the maximum benefits possible. How am I sure that my investment is secure in case ofsudden death since once I join self-managed super fundmy insurance is void? Response; your insurance will be void definitely but the good news is that self-managed super fundcan take out insurance that ensures all trustees are covered, 6. The following steps are to be taken before self-managed super fundis in operation 1 draw up a trust deed 2 nominate trustees 3 clear the tax issues 4 Obtain atax fie number 5 create an investment strategy 6 open a bank account 7 Put money into the account 8 start buying assets (b) No. Action Who When 1. Sign Authority to Proceed C Now 2. Draw a trustee deed A After step 1 3. nominate trustee C After step 2 4. clear the tax issues A In due time 5. obtain atax file number A latter 6. create an investment strategy C Once step 3 is complete 7. open a bank account C After step 6 8. Put money into the fund C After step 7 9. Start buying property c Once the account reflects the deposit 7. The various changes that might provoke a review of my self-managed super fundstructure would be In case one of the members has reached the age of 65 years and wants to withdraw in order to enjoy the tax free benefit withdrawal, thus there will be a reduction in funds and hence a financial review will be necessary (Henderson, 2012). A review might also be considered in cases where the funds have out grown the present strategy and requires to shift focus on to larger investments, this also will demand a financial review. Tax office in charge of governingself-managed super funds may pass policies may trigger a review in case the current strategy is not in line with the newly formed policy. Competition from other self-managed super funds in the industry which are mushrooming everywhere nowadayswill bring a need to review my strategy in order to keep abreast with the market trends and also be in apposition to exploit more investment opportunities (Phillips, 2009). Inflation rates due to devaluation of currencies will influence a review and may be focus on assets that are less affected by inflation. As an advisor it is in order to ensure that you keep abreast with the current changes in policies regarding self-managed super funds in order to give my customers the best, to achieve this I will ensure that I occasionally visit the tax office website as well as the self-managed super fund governing bodys website in addition to reading journals and books that pertain investment. Also I will utilize the social media to my level best as it delivers a lot of information in almost real time basis. The level on going service that I would be offering would be Portfolio valuation Portfolio review Financial plan review Others e.g. strategy review Portfolio valuation will help in ensuring that the client has achieved his targeted investment or is on his way there and the targeted income per year is achieved within the stipulated period. Portfolio review will be beneficial in cases where there is a change in policies pertaining particular assets so as to ensure the self-managed super fund complies. Also such a review might be conducted in order to identify the assets that are performing and those that are not. Financial plan review is to be conducted in case the unexpected economic changes have delayed the income expected and hence it requires that the plan to change in order to meet the new trend Strategy review is conducted to ensure that incase a particular industry e.g. real-estate, has an overwhelming competition that is affecting the outcome of my clients inself-managed super fund, we will be able to sit down and come up with a new strategy. References Arnold, B., Bateman, H., Ferguson, A., Raftery, A. (2011). Understanding Assurance in the Australian Self-Managed Superannuation Fund Industry. SSRN Electronic Journal. Carney, T. Sceats, S. (2009). Retirement Security in Australia. SSRN Electronic Journal. Henderson, S. (2012). SMSF DIY guide. Richmond, Vic.: John Wiley Sons, Australia. Murden, M. (2014). How to invest in property through your self managed super fund. Heghett, Vic.: Major Street Publishing. Phillips, P. (2011). Will Self-Managed Superannuation Fund Investors Survive?. Australian Economic Review, 44(1), 51-63. Phillips, P., Baczynski, M., Teale, J. (2009). Can selfà ¢Ã¢â€š ¬Ã‚ managed superannuation fund trustees earn the equity risk premium?. Accounting Research Journal, 22(1), 27-45. Pino, A. Yermo, J. (2010). The impact of the 2007-2009 crisis on social security and private pension funds: A threat to their financial soundness?. International Social Security Review, 63(2), 5-30. Self managed superannuation funds. (2002). Canberra. Business review weekly: BRW. (2004). Melbourne: Business Review Weekly