Mathematics free essay sample

Mathematics is a subject that I have thoroughly enjoyed throughout my school years. The challenge of thinking and the process of logic always attract me to Mathematical problems, however difficult and regardless of the form in which they come. My aptitude towards mathematics aroused because of its simplicity, that as long as you follow the right steps in a systematic order, you will reach the correct answer. At the same time, the challenge which it provides, with its complex yet logical questions, makes it highly addictive for me. My appreciation of Maths has slowly matured over the years and my A+ in both Maths and Additional Maths in Sijil Pelajaran Malaysia (Malaysian Certificate of Education) gave me enough self-confidence to take on the challenge of A-level Mathematics. In terms of my intended degree, my most useful applied module is Statistics, as I have seen its importance and regular usage in Actuarial Science and because I am fascinated at how convenient it can be to handle and process figures so that they may be manipulated to produce a feasible mathematic model. We will write a custom essay sample on Mathematics or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page My obsession with numbers remained limited to writing pads, until I read about John Nash, the American mathematician, who invented his famous Nash Equilibrium, a very integral part of economic and financial systems across the world. It is from this point on I became increasingly fascinated by how numbers can directly or indirectly affect humans, and, for this reason, I wish to pursue a career in Actuarial Sciences. I imagine myself fully capable of coping with the level of sophistication and amount of thinking involved in mathematical and other related courses in the universities. I have enjoyed studying Chemistry, Physics and Mathematics at AS Level, and achieved percentage uniform mark of 100 in all three subjects. Chemistry and Physics have helped me solve problems with a more planned and analytical approach. As I see it, a single difference in the electrons of an atom, or a slight change in the magnitudes of gravitational forces, can drastically alter the way proceeding mechanisms are affected. I too, in a similar sense wish to be a part of a positive change with slight forward steps at a time. I quite enjoy activities which involve physical exertion of any kind. Other than football and badminton, I am usually found playing basketball. I am an avid fan video games. I play games to release stress, though owing to self-discipline, I never get addicted. The reason I wish to study in Hong Kong, and not other countries is the chance of interacting with people from all around the globe in a friendly and safe environment. I believe learning about other cultures, and the outlooks which come from these places, will greatly help me to think in moderation, with an increased appreciation towards several traditions and practices. Besides, I have chosen to study in HKU for its teaching reputation and in the hope that it will build effectively on my British-style education here in Malaysia; the contrast between an upbringing in the 3rd world country and life as a student in the 1st world country will hopefully inspire me to make the very best of this opportunity. I trust that in due time I will have developed the necessary skills and experience to have what it takes to tackle the course but as far as confidence goes, I am passionate about my career choice.

Artificial Contraception Essays - Barrier Contraception, Fertility

Artificial Contraception There are many forms of artificial contraception. I am going to discuss some of those forms and the Church's opinion. Condoms, or rubbers, are shaped like a balloon and are made of a special kind of rubber. Condoms prevent sperm from reaching the cervix. They are placed over the male's erect penis before intercourse. They are 80-90% effective. No prescription is needed to use them. They protect against STD's. They are more protective in preventing AIDS, then preventing pregnancy. They are not fully effective because they can break, have defects, be slippery, or it can be too old. Spermicides such as: creams, foams, vaginal supporsitones, and vaginal film form a chemical barrier that kills or makes the sperm inactive, which makes it impossible to become pregnant. They are 80% effective. It is available without a prescription and provides some STD protection. Effectiveness is increased if used with condoms. Vasectomies are common for men. The tube that carries the sperm is cut and tied which prevents sperm from being ejaculated. It is 99% effective This procedure is permanent and is done through a small incision near the testicles. It does not affect sexual arousal. A cervical cap is a soft rubber dome that forms a barrier to prevent sperm from reaching the cervix. The spermicidal gel kills the sperm. It is 85% effective. It may give some protection against chlamydia and gonorrhea. The diaphragm does the same thing as a cervical cap and is 85% effective. It is a flat rubber-like disk which has to be fitted from a doctor. It is placed inside the woman's vagina before having intercourse. It is often used with cream or jelly that is placed around the edge of the diaphragm. There is a very high failure rate because sometimes they are not fitted or inserted correctly. They create fewer health risks for women. It may reduce the risk of cervical cancer and provides some STD protection. There are also injections for men and women. In men, a drug is injected into the sperm duct to disable the sperm for a period of time. Depo-Provera injections that contain the hormone, progesterone is injected and it prevents the release of an egg from the ovary. It is 99% effective. It is long lasting and highly effective. It also protects against uterine cancer. But it does not protect against STD's. Female condoms are 75-85% effective but 95% effective if used correctly. The container end of the female condom is placed inside the vagina before intercourse. The Contraceptive Sponge is what a woman inserts inside her vagina over the cervix. The sponge is 85% effective. Since it can be inserted incorrectly it is not that effective. It releases a protective spermicidal gel. The sponge forms a barrier to sperm reaching the cervix. The only one available is Protectaid. It may protect against STD's. Intrauterine devices a metal objects placed inside the woman's uterus that prevents the fertilized ovum from being implanted into the uterine wall. Intrauterine Devices(IUD's) are 97-99% effective. It does not prevent contraception. It is an abortificaent rather than a contraceptive. It must be inserted by a doctor. Two types are available: progesterone and Copper-T. It does not protect against STD's. They are very painful and doctors do not always do them because they have serious side effects like, hemorrhaging. Contraceptive Pills that are taken daily imitate the woman's daily body cycle. It has been among the most effective forms of artificial means of birth control. It may have some harmful side effects like; blood clots, sterility, and strokes. The Birth Control Pill is 99% effective. Man made hormones, estrogen and progesterone mimic the ones your body naturally produces, which makes progesterone cause the uterus lining to change and estrogen prevents the egg from maturing and being released. It does not protect against STD's. It may reduce the risk of ovarian and uterine cancer. Female sterilization is 99% effective. It is commonly called ?tying the tubes.? It blocks the tube which carries the egg to the uterus by cutting or tying it, which prevents the man's sperm from fertilizing the egg. It is surgically permanent. In some cases though it has been reversed. The ?Morning After Pill? is

Canning and the Eastern Question Essay Example

Canning and the Eastern Question Essay Example Canning and the Eastern Question Essay Canning and the Eastern Question Essay Essay Topic: History In 1822 Castlereagh committed suicide and George Canning was appointed as the new British Foreign Secretary, a position he kept until his death in 1827. Castlereagh as Foreign Secretary had played a leading role in the defeat of Napoleon and was very keen to use the Congress System to restore peace in Europe; Canning however was more hostile to the Congress System as he believed British interests lay outside Europe and he had no good relationship with the other European statesmen. By his death in 1827 he had played a major role in the death of the Congress System but had also managed to successfully maintain British interests. At this time the Ottoman Empire was very large containing South Eastern Europe and parts of Asia and North Africa. However as it was such a huge ramshackle of different nationalities and religions in order for it to be governed effectively it needed a strong leadership from Constantinople, which the Turkish Sultan of this time couldnt offer, since 1815 the Ottoman Empire had been in decline. (The Ottoman Empire) After Frances defeat previously Russia was now considered the biggest threat to the balance of power in Europe. It had great military power due to the seemingly unlimited supply of peasant conscripts to its armed services. The weak Ottoman Empire was always being watched by Russia who was continuously pushing its boundaries Southwards towards Constantinople and the Straits. Russia was hoping to gain land and access through the Black Sea into the Mediterranean. Britain feared that if this occurred Russia would be able to threaten British trade and naval dominance in that area and also its important trade routes to India. Britain was not committed to maintaining the Empire but did not want to see it fall to Russia, however it was in the best interests for Austria to strengthen the Ottoman Empire as it was a useful buffer against Russian expansion and Austria had no designs on the land itself. France also wanted to see the Ottoman Empire preserved as it had long standing political and commercial links with Turkey and hoped to extend its influence over the area via the Pasha of Egypt, Mehmet Ali. At the Congress of Vienna the major European powers had restored monarchies to every European country but the 19th Century has been labelled The Age of Nationalism as individual countries wanted the right to look after their own interests free from the influence of a foreign power. The old monarchical powers such as Austria and Russia were terrified of revolution and the European powers all had a solid stance to crush any revolts. However the Greek uprising of 1822 against the Ottoman Empire was different. The deeply religious Russians were concerned with their fellow Orthodox Christians fighting to free themselves from Muslim rule. It seemed likely that Russia would become involved in this conflict as the Russians saw themselves as the unofficial guardians of the Orthodox religion and also relations between the Ottoman Empire and Russia were already poor as the Russians had been left feeling aggrieved after the Ottomans pulled out of the 1812 Bucharest Agreement. There was also a lot of sympathy for the Greek Revolution in Britain, especially throughout the educated elite; there were many volunteers who went there to fight for the Greeks such as Lord Byron the romantic poet who eventually died for the cause. The Greeks had even sent a deputation to Britain begging for help. The sympathy increased for the Greeks when the Turks conducted a massacre of Greek Orthodox Christians and murdered the Patriarch of Constantinople on Easter Sunday in 1821. In April 1821 the Greeks of Morea killed thousands of the local Turks and the Turks then retaliated with even worse horrors. This caused another surge in European public sympathy and in 1823 Canning recognized the Greeks as Co-belligerents, which meant he recognised Greeks right to take up arms against an unpopular Turkish regime. This sympathy for the Greeks however, was strongest in Russia, where it was going to be hard for the government to ignore such public feeling. The Tsar Alexander I initially wanted to intervene but Metternich, who arguing against supporting Nationalistic causes on the grounds that all revolutions must be prevented and that they were all centred from Paris, dissuaded him. However in December 1825 Tsar Alexander I died and the new Tsar, Nicholas I was ready for immediate intervention with or without international cooperation. He wanted to establish himself quickly in the eyes of his people and Europe and to avenge atrocities against Greek Orthodox Christians; also weakening the Turkish Empire would bring benefits to Russia. Canning now had to make sure the Russians didnt gain too much in this area. Turkey needed help to fight the Greek revolt and turned to Mehmet Ali, who held land in Egypt directly as a favour from the Turkish Sultan and was therefore obliged to help the Sultan if his interest were threatened. Between 1826 and 1827 an Egyptian army, under Mehmet Alis son Ibrahim Pasha, gained the upper hand over the Greek rebels. Canning tried to prevent Russia entering a war by sending Wellington to St Petersburg to offer solving the dispute by mediation to the new Tsar. Canning decided Britain must act to: * Prevent Turkey being weakened too much as it was a useful buffer against Russian expansion in the Balkans. * Make sure Russia didnt make too much advantage e. g. possession of Constantinople He may also have intervened to break up the Congress System, which he despised; he knew Anglo Russian cooperation would infuriate Metternich. The outcome was the Protocol of St Petersburg of April 1926 with which the British and the Russians offered mediation to the Turks as long as the Greeks retained some form of self-government. Britain, Russia and France confirmed this by attending the July 1827 Treaty of London where they guaranteed Greek self-government by force if necessary and a joint nav al expedition set out for Greece. Canning was now under great pressure as the Austrians and Prussians objected to this support of revolution and the Turks were refusing to sign the treaty. In August 1827 Canning died, probably brought on by overwork. Meanwhile the joint 27-ship fleet was blockading the Turkish-Egyptian fleet of 81 ships in the Greek, Navarino Bay. Though under orders to avoid hostilities, the British Admiral Codrington decided to force the issue by sailing into the bay. The Turks opened fire and a full-scale battle developed lasting four hours. It was a disaster for the Turks and their allies; 61 ships and about 4000 men were lost in October 1827. There was no prospect of the Turks recapturing Greece whose independence was recognised in 1830 and her frontiers were decided in 1832. In the end Cannings work in the Near East had mixed success. He had helped to achieve a completely independent Greece however his wider aim of limiting Russian gains by cooperation with her had been ruined by Wellington who failed to grasp Cannings intentions.

ACCIDENT victim interview retport Essay Example | Topics and Well Written Essays - 500 words

ACCIDENT victim interview retport - Essay Example In the course of the tasks requiring patients to be carried to change positions or to be assisted in going to the toilet, Ms. NA had to contend with exerting much effort to assist a patient who was apparently overweight. She was asked to assist the patient to go to the bathroom. Normally, there was a family member to assist, in addition to just relying on Ms. NA. However, since the family member had an important errand to make, Ms. NA was left alone to do the task. She managed to take the patient to and from the bathroom but the weight was already pressing on her arms and hands. When she had to exert one more full effort to ensure that the patient is situated comfortably on the bed, she felt that she has extreme pain on her right hand and felt extreme back pains and had to be relieved from the remaining time in her job that particular day. The date that the injury happened was September 5, 2012. From the occupational injuries noted, Ms. NA filed for absence from work due to sickness for one week, starting on the date of the injury, September 5 up to September 10, 2012. From examination with an orthopedic doctor, it was revealed that though there was no dislocation on her right hand, there appears to be swelling due to muscle strain. Further, examination on her back also noted lower back injuries, in conjunction with musculoskeletal disorders. In this regard, five days leave was prescribed with medications ranging from anti-inflammatory drugs, vitamin supplements, and intermittent occupational therapy on the affected areas. The incident did not result in OSHA visit since it was assumed that the occupational injuries and illnesses were sustained as normal and regular part of Ms. NA’s responsibilities as nursing aide. However, since the nurse manager was advised on the incident, it was evident that there were changes to the workplace that were needed. As such, it was evaluated that nursing aides who are

The value of HRM to business organization Literature review

The value of HRM to business organization - Literature review Example One of the systems through which businesses always survive when the economy is on the descent is training its workforce. This paper, seeks to evaluate the consequences brought about by training the workforce (Sams 2009, 497). It seeks to analyze if investing in training makes the various businesses make a large profit out of the prevailing economic situations. During economic turbulence, employee training comes at the back seat by several businesses. This is with the aim of reducing the expenses (King 2007, 38). However, some organizations normally continue employing training even under tougher times. Some of the ways through which businesses can go about training during tough times include, reducing the duration, which the training course was to take, and practicing internal training. Technology also comes in handy during such situations as some organizations encourage e learning (Watanabe 2010, 56). If the research carried out in the United Kingdom during the 2008-2009 economic slu mps is anything to go by, then training might just be the perfect antidote for such times. The research found out that those businesses that focused on training managed to get back on their feet soon after the downfall. This is because training prepared the employees and the organization at large to be well prepared for the slump and they found a way of maneuvering through it (Jacobs 2003, 59). Similarly, the general classification of training as a tactic for endurance helped the organizations get back to their feet. Supplementary to that, training had an overall impact of reducing costs. This is because training boosts the attitude of the employees and due to the assurance, they carried out their duties as required and in the process avoiding damages. Studies showed that adequate training enabled the organizations survive in case such downfalls took place in the future (Adegoke 2013, 25). By this, it means that the employees shall become much proficient in whatever they do. This ph enomenon is of great significance mainly because the employees will be able to venture into new methodologies and technologies (Lawson 2002, 96). The new methodologies by all standards shall enable the businesses to register extraordinary profits. Training of employees plays a major role towards increasing the morale of employees. The fact that the employer invests in the employees and the reason that the employer will be after their well-being, makes the staff-members give their best for the company (Wisconsin 2009, 119). Moreover, research has established that training of employees during tough times does make them not to worry about job security. Similarly, the employees become more satisfied and they feel much appreciated and valued by the employers. The overall effect of this will be to increase overall productivity of the business due to increase in the level of commitment (Hawthorne 2007, 92). Research has also established that training employees during economic turbulence he lps in broadening their career network in that, they shall meet other professionals who will inspire their success in their respective fields (Russell 2007, 46). One can achieve this through organization of seminars and attending of various conferences. In addition, the conferences act as information sources because they provide up to date information in the specific field that the employers are pursuing (Buckley 2009, 85). In a similar situation, frequent training enables the

Relationship Between Savings and Inflation

Relationship Between Savings and Inflation Savings help cushion the business cycle as the economy faces hard economic situations (Syden, 2014). To have a sustainable economic growth, there is a need for sustainable resources to support it. That is why savings are needed to finance capital spending. These high savings rate levels have allowed the economy to gain high levels of investment (Horioka Terada-Hagiwara, 2011). China’s domestic savings rate is one of the highest in the world (Loayza, Schmidt-Hebbel, Serven, 2000). Inadequate savings would leave the economy vulnerable to shocks in income uncertainty and unexpected rise in prices. At 52% of the national GDP, China’s domestic savings rate is among the highest in emerging markets inadequate savings leave households vulnerable to shocks in income and rising prices, add burden to government in providing retirement assistance, constrain individuals in accumulating wealth inadequate savings leave households vulnerable to shocks in income and rising prices, add burden to government in providing retirement assistance, constrain individuals in accumulating wealth. Many factors come into play with regard to how much to spend and how much to ‘keep’ for future spending. REVIEW LITERATURE There have been a lot of theoretical and empricical research studies about the relationship of savings on different factors like inflation rate, unemployment rate, and interest rate. It has been argued that savings are important, and when the economy is hit hard, having money in the bank can ease the problem (Elmerraji, 2010). Saving rates around the world differs widely. (Loayza, Schmidt-Hebbel, Serven, 2000) stated that China, world’s fastest growing economy, had one of the largest national saving rates in the world. Those at Sub-Saharan Africa save less than 15% of their gross national disposable income while East Asia saves more than 30%. In recent years, saving rates have doubled in East Asia while those in Latin America were stagnated. What people do not spend after consuming part of their income is called personal savings. People tend to put their savings on bank accounts or partly invested (Piana, 2003). Given a certain income, the decision of consuming a good negatively affects savings. Postponing such consumption would increase savings and in contrast, savings can rise due to negative expectations for future income. As economic shocks occur on business cycles, households experience hard time in unexpected reduction in income. According to the Life-cycle hypothesis by Milton Freidman, people would eventually save more and minimize consumption to avoid future uncertainty. (Zaman, Carannate, Ferra, 2013) In times of economic crisis like the recent financial crisis on 2008, policy measures and uncertainty affects household consumption and saving decisions. In the Spanish economy, after the great recession, there has been an evolution of saving rates (Bande Riveiro, 2012). The behavior of households has changed after the great recession, through increasing saving rates. Large increase in savings rates is connected to the increased uncertainty in the future (Bande Riveiro, 2012). EMPLOYMENT Macroeconomic instability which is measured by inflation, causes an upward trend in saving. The season of high inflation and high unemployment, as well as cutting public benefits have raised income uncertainty and changed the expected future income of the economy (Chowdhurry, 2014). When an economy has a crisis, it leads to unemployment, and the risk of future uncertainty in income makes households save more (Zaman, Carannate, Ferra, 2013). When part of the households are affected with future uncertainty of income, it stimulates to low demand and consumption which would worsen the economic situation of the country. Financial crisis happens when labor market is distorted with high unemployment, changing households’ structure of saving portfolio. Any sort of financial crisis leading to a recession would have a significant effect on household savings. ECONOMIC GROWTH Growth models includes Harrod (1939), Domar (1946) states that economic growth is highly dependent on level of savings and output ration. These models indicate that increase in saving means high investment which stimulates economic growth. The availability of funds for investment increases as effect of having higher savings (Sothan, 2014). The higher the level of saving rate leads to increased capital stock that in progress leads to a high level of output. Business Cycle Different economies go through different patterns of ups and downs in the value of its Gross Domestic Product (Riley, 2012). This business cycle has four phases namely boom, recession, depression, and recovery. Economic boom has high consumer spending, profits, and investment. Unemployment tends to be low in this economic situation. Economic Recession has low level of consumer spending, income, and investment, and has a rising unemployment as businesses cut costs. Economic depression is when there is a declining GDP, showing weak level of consumer spending and investment, rapid rise of unemployment and prices starting to fall. Economic recovery is when economic situation starts to get better and consumers begin to increase spending and investment. Every country’s goal is for an economy to achieve a sustainable level of growth (Riley, 2012). Trend growth rate is what helps assess and compare the growth of the different economies. (Lequiller Blades, 2007) REVIEW OF RELATED LITERATURE EFFECT OF INFLATION ON SAVINGS RATE Almost all the past literatures that were found concerning the relationship of the variables inflation rate and savings rate concluded that the relationship between the two are positive and significant. In a cross-sectional data on inflation rates and savings rates of various countries in the world, both developed and developing, the results obtained in the recent study showed that inflation rates of all the countries positively impacts each of the countries’ savings rate (Cheng Li, 2014). El-Seoud (2014) conducted a study on the effect of Gross Domestic Product, interest rate, and inflation rate on the national saving rate in the kingdom of Bahrain over the past 20 years. The researcher found that inflation rate has a positive relationship and significant impact on Bahrain’s saving rate in both the long run and short run. Similarly, Syden (2014) also found that in their study of South Africa’s 48 years of household savings data, inflation significantly creates a positive impact on the continent’s saving rate. As for the case of Turkey, Er, Tugcu, Coban (2014) used the Autoregressive Distributed Lag approach and the study’s results indicated that there that inflation positively affects inflation rate and savings but there was no relationship of significance between inflation and savings in the short run. Using two stage least squares model, the study of Chaturvedi, Kumar Dholakia (2009) on the relationship between economic growth, inflation, and saving rate in Asia revealed that inflation rate has a positive effect on the interest rates of the Asian countries as well. On the other hand, Heer Suessmuth (2006) utilized data of the inflation and saving rates from United States postwar period in order to analyze the monetary policy regimes of the three eras, namely the Pre-Volcker Era (’65-’78), Volcker Era (’79-’87), and the Greenspan Era (’88-’98). There appeared to be ambiguous resu lts on the effect of inflation on the saving rates. In the Pre-Volcker Era and Greenspan Era, inflation negatively affected the saving rates. In the Volcker Era, on the other hand, inflation is positively associated with saving rates (Heer Suessmuth, 2006). EFFECT OF INTEREST RATE ON SAVINGS RATE El-Seoud (2014) concluded from his previously mentioned study that the interest rate in Bahrain, just like inflation, has a positive and significant effect on the national saving rate in the short run. However, in the long run, El-Seoud (2014) saw that while the interest rate still has a positive relationship on Bahrain’s saving rate, this effect is now insignificant. On the other hand, in the results acquired from the study of Syden (2014) on South Africa, it showed that interest rate has a negative relationship and significantly impacts the saving behavior of South Africa. In a study on the Turkish economy, the researchers found that there was no significant relationship between interest rates and saving rate found in the long run (Er, Tugcu Coban, 2014). (Challe Ragot) (Romer) References El-Seoud, M. S. (2014). The Effect of Interest Rate, Inflation Rate And GDP On National Savings Rate. Retrieved from http://www.gifre.org/admin/papers/gjcmp/1-7-EFFECT-vol-3-3-gjcmp.pdf Syden, M. (2014). Trends and Determinants of Household Saving in South Africa. Economic Affairs: 59(2): 191-208 Cheng, Q. Li, X. (2014). Cross-Country Effects of Inflation on National Savings. Retrieved from https://smartech.gatech.edu/bitstream/handle/1853/52867/Cross-Country Effects of Inflation on National Savings(ECON3161).pdf Chaturvedi, V., Kumar, B. Dholakia, R. H. (2009). Inter-Relationship between Economic Growth, Savings and Inflation in Asia. Journal of International Economic Studies, No.23, 1–22. Retrieved from http://repo.lib.hosei.ac.jp/bitstream/10114/3628/1/23VaibhavChaturvedi-ather.pdf Heer, B. Suessmuth, B. (2006). The Savings-Inflation Puzzle. Retrieved from http://www.cesifo-group.de/pls/guestci/download/CESifo Working Papers 2006/CESifo Working Papers January 2006/cesifo1_wp1645.pdf Er, P. H., Tugcu, C. T. Coban O. (2014). Investigating The Link between Savings, Inflation and Economic Growth: An ARDL Analysis for The Case of Turkey. Journal of Economics, Finance and Accounting. Vol. 1, Issue 2. Wachtel, P. (1977). Inflation, Uncertainty, and Saving Behavior since the Mid-1950s. Retrieved from http://www.nber.org/chapters/c9102.pdf Bibliography Bande, R., Riveiro, D. (2012, October). Private Saving Rates and Macroeconomic Uncertainty: Evidence from Spanish Regional Data. Iberian Regional Economics Network. Retrieved March 2015, from http://otega.usc.es/docs_idega/documentos_de_traballo/irene/irene_4.pdf Challe, E., Ragot, X. (n.d.). Precautionary Saving over the Business Cycle. Retrieved March 2015, from http://www.su.se/polopoly_fs/1.57517.1321520817!/ChalleRagot.pdf Chowdhurry, A. (2014, December). Terms of Trade shocks and Private Savings in the developing Countries. Journal of Comparative Economics. Retrieved March 2015, from http://dx.doi.org/10.1016/j.jce.2015.02.006 Elmerraji, J. (2010, February 28). How Savings Are Saving the Economy. Retrieved February 2015, from http://www.investopedia.com/financial-edge/0310/savings-are-a-blessing-in-a-slow-recovery.aspx Horioka, C. Y., Terada-Hagiwara, A. (2011, November). The Determinants and Long-Term Projections of Saving Ratesin Developing Asia. National Bureau of Economic Research. Retrieved from http://www.nber.org/papers/w17581 Lequiller, F., Blades, D. (2007). Understanding National Accounts. 415. doi:10.1787/9789264027657-en Loayza, N., Schmidt-Hebbel, K., Serven, L. (2000). Saving in Developing Countries: An Overview. The World Bank Economic Review, 14, 393-414. Piana, V. (2003). Savings. Economics Web Institute. Retrieved February 2015, from http://www.economicswebinstitute.org/glossary/savings.htm Riley, J. (2012, September). Economic Environment. Retrieved March http://www.tutor2u.net/business/strategy/economy-business-cycle.html, 2015 Romer, C. (n.d.). Business Cycles. The Concise Encyclopedia of Economics. Retrieved March 2015, from http://www.econlib.org/library/Enc1/BusinessCycles.html Sothan, S. (2014). Causal Relationship between Domestic Saving and Economic Growth: Evidence from Cambodia. International Journal of Economics and Finance, 6. doi:10.5539/ijef.v6n9p213 Syden, M. (2014, June). Trends and Determinants of Household Saving in South Africa. Economic Affairs. doi:10.5958/J.0976-4666.59.2.018 Zaman, R., Carannate, M., Ferra, E. (2013, June 17). Effects of Uncertainty on Household Saving Rate. Munich Personal RePEc Archive. Retrieved March 2015, from http://mpra.ub.uni-muenchen.de/51208/

Ramadan Celebration Essay

Ramadan, the ninth month of the Islamic Calendar, is considered as one of the holiest months of the year. In this month when the prophet Muhammad was said to have received the holy book (Quran). Each day during Ramadan, followers of Islam, known as Muslims, do not eat or drink from sunrise to sunset; they are also supposed to avoid bad thoughts and bad behavior. Muslims break their daily fasts by sharing meals with family and friends. During Ramadan Muslims fast from dawn to sunset. All Muslims who have reached puberty and are in good health are required to fast. At sunset, families get together to break the fast known as Ifatr. You start eating with two or more dates like the Prophet Peace Be Upon use to do. The Ifatr meals consist on milk, water, dates, and desserts. (A team of cardiologists in the UAE found that people observing Ramadan enjoy a positive effect on their lipid profile, which means there is a reduction of cholesterol in the blood) http://en.wikipedia.org/wiki/Ramadan It is very important in Ramadan to pray 5 times daily, and recite Quran every day. Ramadan helps us become patient and washes away our bad deeds. It reminds us of the people that are starving and teaches us that how lucky we are that Allah-Tallah provided us with these benefits and help us become better Muslim. After the Ifatri you go to Mosque and pray Magrib and Isha to complete your fast. Thirdly, in Ramadan avoid bad thoughts and bad behavior. Respect your elder and listen to them, you are not allowed to use foul language or hit someone. Keep your mind away from the bad thoughts and the best way to do that is pray and keep saying Allahakabar, Alhumdullah, and Astagfirullah it will keep your mind away from bad thoughts. In Quran Allah- Tallah said if one does not abandon falsehood in words and deeds, Allah has no need for his abandoning of his food and drink.’