Euthanasia And Assisted Suicide Should Be Legalized Essay

The Oxford English Dictionary states that euthanasia is a gentle and easy death (Oxford English Dictionary). According to the Oxford English Dictionary, active euthanasia is the ending of a terminally ill person s life by direct intervention, such as administering a lethal dose of painkilling drug (Oxford English Dictionary). While passive euthanasia according to the Oxford English Dictionary is the withholding or withdrawal of life-sustaining medical treatment in the knowledge that the person concerned will die (Oxford English Dictionary). Len and Lesley Doyal, the co-authors of â€Å" Why active euthanasia and physician assisted suicide should be legalized† suggest that active euthanasia should be legalized because it can end a patient’s suffering, there is not much of a difference between the passive and active euthanasia, and it gives the patient a choice. In the article,â€Å"Why active euthanasia and physician assisted suicide should be legalized†, Len and Lesley Doyal argue that active euthanasia and physician assisted suicide should be legal in medical practices; I agree that active euthanasia and assisted suicide should be legalized because it gives the patient more options on when to end their life. Within the article, â€Å"Why active euthanasia and physician assisted suicide should be legalized†, Doyal and Doyal argue that active euthanasia and physician assisted suicide should be legal for various reasons. Doyal and Doyal question the law and brings attention to theShow MoreRelatedShould Euthanasia and Assisted Suicide Be Legalized?825 Words   |  4 PagesNovember 27 2011 PHI-105 Professor Sanejo Leonard Should Euthanasia and Assisted Suicide be Legalized? Euthanasia and Assisted Suicide should become legal in the United States and all US territories. Though Euthanasia and Assisted Suicide are not the same and are separate acts, they both serve the same purpose, which is to follow the desire of a person with terminal illness to end their life without legal consequences. This same right should extend to family members and guardians of people unableRead MoreEuthanasia/Physician Assisted Suicide Should Not be Legalized1343 Words   |  6 Pagesof euthanasia, he felt he had no other choice. Knowing his family would disagree, he decided to ask for his doctors’ advice. The doctor knowing he would receive a cash bonus and be financially better off if he did not provide patient care advised the modest man to be euthanized. He took his doctors advice and there was nothing that would change his mind from what he thought would be the best thing for his family. Still grieving his loss till today, his family will never forget how euthanasi a murderedRead MoreShould Euthanasia or Assisted Suicide Be Legalized in Canada?1486 Words   |  6 PagesEuthanasia, formally known as mercy killing, is the act of intentionally causing the painless death of a sick person, rather than allowing that person to die naturally. In terms of a physicians actions, it can be passive in that a physician plays no direct role in the death of the person or it can be active in that the physician does something directly to cause the death (Yount, 2002). Euthanasia may also be formed into three types of act, which are voluntary, involuntary, and nonvoluntary. VoluntaryRead More Physician-Assisted Suicide Essay - Euthanasia Should Not be Legalized793 Words   |  4 PagesEuthanasia Should Not be Legalized      Ã‚   It is conceivable, that life can deteriorate to the point where persons lose their dignity and self-respect and are unable to communicate; life in such a form no longer meets meets the basic criteria of human- ness.   (OKeefe, A1)   Under these circumstances only should Euthanasia be practiced and then only passively (pulling the plug).   Dutch Death, Euthanasia, doctor assisted suicide, whatever you want to call it, it Read MoreEuthanasia And Assisted Suicide Are Legal1506 Words   |  7 Pagesplaces where euthanasia and assisted suicide are legal. Even then, the practice is generally only partially permitted and a majority of patients in cases where euthanasia should be an option, cannot travel to another state or country due to their condition. â€Å"The vast majority of families [of terminal patients] do not have the flexibility, resources and time to make all [necessary] changes† such as obtaining new driver licenses, finding new doctors and house, etc. (Maynard 2014). *Euthanasia and assistedRead MoreAssisted Suicide And Voluntary Active Euthanasia Essay1270 Words   |  6 Pagesphysician assisted suicide and voluntary active euthanasia. Physician assisted suicide is when the patient is prescribed lethal medicine by the doctor to commit suicide. While, voluntary active euthanasia is when a physician takes an active role in the action of killing the patient. There is often debate on w hether or not any of these actions should be legalized in all states. Physician assisted suicide is legal in Oregon, California, Montana, Vermont, and Washington. Voluntary active euthanasia is illegalRead MoreShould Physician Assisted Suicide Be Legalized?1426 Words   |  6 PagesPhysician assisted suicide is also known as assisted suicide. It is a very controversial procedure. It is not favored by many. However, in present day society is little bit inclined towards assisted suicide. There is ongoing debate on the legalization of assisted suicide. The main reason to oppose of assisted suicide is the fear of mistreatment of the patient, abuse of power and so on. In contrary, many see assisted suicide as a way to decrease pain in the end of life. Read MoreAssisted Suicide And Voluntary Active Euthanasia Essay1345 Words   |  6 Pagesphysician assisted suicide and voluntary active euthanasia. Physician assisted suicide is when the patient is prescribed lethal medicine by the doctor to commit suicide. Meanwhile, voluntary active euthanasia is when a physician takes an active role in the act of killing the patient. There is often debate on whether or not any of these actions should be legalized in all states. Physician assisted suicide is legal in Oregon, California, Montana, Vermont, and Washington. Voluntary active euthanasia is illegalRead MoreThe Debate About Euthanasia And Euthanasia1631 Words   |  7 PagesThe debates about euthanasia date all the way back to the 12th century. During this time, Christian values increased the public’s opinion against euthanasia. The church taught its followers that euthanasia not only injured individual people and their communities, but also violated God’s authority over l ife. This idea spread far and wide throughout the public until the 18th century when the renaissance and reformation writers attacked the church and its teachings. However, the public did not pay muchRead MoreAssisted Suicide Essay1534 Words   |  7 Pagesmajority of the cases involved in ‘assisted-suicide,’ which is the process of ending their life with help from another person. Assisted suicide, despite the chronic or degenerative illness, has caused great controversy. The debate arises when the question about whether or not the practice should be legalized is asked. Some say that every person has a God given right to do what they want with their bodies, when they want to do it. Others say that palliative staffs should be focusing on studying better

The Un Convention On The Rights Of Children - 789 Words

INTRODUCTION The UN Convention on the Rights of children defines a child as â€Å"everyone under the age of 18 years, unless under the law applicable to the child majority is attained. The UK has a number of laws protecting children and guaranteeing them basic rights The changing ideas about children have led many scientists to claim that childhood is a social construction. The scientists use this term to mean that â€Å"understandings of childhood are not the same everywhere and that while all societies acknowledge that children are different from adults, how they are different and what expectations are placed on them change according to society in which they live. Childhood Policies The United Kingdom has a large number of laws protecting children and guaranteeing them basic rights. There are numerous pieces of legislation that provide children with rights in the areas of education, health, justice system etc. even though this policies exist, there is tendency to view children in the UK as incompetent, irresponsible, dependent etc In UK educational policies, children are mainly understood as learners and citizens in the making adults in preparation. The focus is on their educational outcomes and vast sums of money are invested in working out how to improve their qualifications and attainments to ensure they are well positioned to take their place in a competitive labour market/economy. In social welfare policies, children are frequently seen as being at risk ofShow MoreRelatedRights of the Child1178 Words   |  5 PagesUN CONVENTION ON THE RIGHTS OF THE CHILD The UN Convention on the Rights of the Child was brought into effect to recognise that Children needed their own set of specific human rights that should be protected and that these were a universal right not a privilege. The UN Convention on the Rights of the Child was drawn up and accepted by the UN in 1989. The UK government agreed to abide by the principles in 1991 and it was fully implemented in 1992. The UN Convention on the Rights of the Child isRead MoreHow Children s Rights Are Being Breached Within The Uk1202 Words   |  5 PagesThis assignment will address how children’s rights are being breached within the UK. Focusing mainly on (The Crime and Disorder Act, 1998) which is an Act currently used within the UK’s society. . (The Crime and Disorder Act, 1998) covers almost all aspects of children’s rights, however the main provisions of the Act are; Antisocial Behaviour order (ASBO), parenting orders and sex offender’s orders. (The United Nations Convention on the Rights of The Child, 1990) became part of the UK’s Law in 1992Read MoreEssay On Normative Work915 Words   |  4 PagesFocus Area 1: Normative Work The UN has served as the key forum where Member States and experts have developed universal norms and standards in conventions, declarations, regulatory frameworks, agreements, guidelines, codes of practice and other standard setting instruments, at national and regional levels. The UN’s normative work in Afghanistan operates at three categories: a) support in the development of norms and standards; b) support in integrating norms and standards into legislation, policiesRead MoreChild Labor Is A Violation Of Fundamental Human Rights1553 Words   |  7 Pagesplace from 1760-1840, and has become prominent throughout our world since. Children would work around 19 hours a day, having approximately a one hour break, and work for almost no pay. In the 1900’s, statistics showed that over 200 million children were involved in the act of child labor worldwide, and 73 million of them were under 10 years old. By the year of 2012, that rate lowered to 168 million, which is 11% of children worldwide. Child labor does not just consist of agricultural work, but includesRead MorePhilosophy 381 : Genocide, Language And Power1319 Words   |  6 PagesPHILOSOPHY 381: GENOCIDE,LANGUAGE AND POWER Professor: Lynne Tirrell 5th October, 2015 We Wish to Inform[Question 1] How many people need to be killed before a crisis becomes a genocide? How many sections of article 2 Of the UN convention needs to occur to be considered a genocide? Is the sterilization of hundreds of Puerto rico women taking imposing measures intended to prevent births within the group considered Genocide? Is police targeting and killing certain grips of people more often a formRead MoreMinor s Autonomy And Health Care883 Words   |  4 Pagesof 18 is children, who are also termed as minors. They have equal rights in healthcare decision making as adults. And it is not a privilege, but rather a right. Children rights are human rights that are basic standards to which every person is entitled in order to survive and develop in dignity (UNICEF Canada). These rights are included but not limited to make to make decisions in their health, privacy and confidentiality of health information, respect for their values and belief and right to be informedRead MorePromoting The Participatio n For People With Disabilities1333 Words   |  6 PagesPediatric, wrote that â€Å"Regular physical activity [†¦] have shown to help controlling or slowing the progression of chronic disease [†¦] on children, and their families † in a clinical report specifically about promoting physical activities to children with disabilities. This is a very powerful statement as it is saying the chronic disease can be prevented or minimized for children by doing physical activities. Also as written obesity is a large issue for people with disabilities who do not participate in sportsRead MoreAid Into Latin America And Asia Essay1685 Words   |  7 Pagesinto Latin America and Asia. Eleanor Roosevelt, the U.S. delegate to the UN argued that UNICEF was a temporary group to help children after war and not that it’s over the work should be delegated to other permanent UN organizations. (Explained in more detail) Pakistan’s delegate to the UN, Ahmed Shah Bokhari, argu ed against Roosevelt in saying that the images of European children after the war are the realities of children living in other regions every day. In 1950, it was agreed that UNICEF’s charterRead MoreChild Welfare Committee / Juvenile Justice Board968 Words   |  4 Pagesbelow 18 years to child Welfare Committee/ Juvenile Justice Board. ï‚ § Child rescued from the brothel should be considered as a child under need of care and protection. Some of the other organisation which focus on the prevention of trafficking among children and protection of the child victims are: ï‚ § SAARTHAK: working in Delhi focus on providing mental health resources and process for the victims after rescued. ï‚ § RESCUE FOUNDATION: working in Maharashtra and runs shelter home with facilities such asRead MoreHuman Rights For The Disabled1304 Words   |  6 PagesBackground The topic of human rights for the disabled came after centuries of discrimination and mistreatment by people who thought nothing of them. During the 1800s, people with disabilities were used in circuses or in sideshows for entertainment or were put in an asylum for their whole life. They were thought to be abnormal and pitiful. The Disability Rights Movement began in the United States after World War One, because disabled veterans demanded care from the government. The problem has developed

Indonesia Asia Stumbling Giant free essay sample

What Political factors explain Indonesia’s poor economic performance? What economic factors? Are these two related? Political factors are corruption and red tape, absolutism and crony capitalism. Economic factors are poor infrastructure and fleeing of foreign companies from the country decreasing the foreign investments in the country and increasing the unemployment rate in the country. The political and economic factors that hinder growth in Indonesia are entangled. 2. Why do you think foreign firms exited Indonesia in the early 2000’s?What are the implications for the country? What is required to reverse this trend? I think the foreign firms started exiting Indonesia due to corruption, business costs, poor infrastructure, unreliable legal system, stagnating economy, uncontrolled crime. Some foreign firms did invest, but eventually they left as all their profits were evaporated by giving bribes to the officials. Even though there was an anti-corruption drive, it had no power and even the political leaders didn’t care as they themselves were so corrupt. We will write a custom essay sample on Indonesia Asia Stumbling Giant or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Also Indonesia lagged behind its neighboring countries like China, India, Malaysia and Thailand which encouraged the foreign firms migrating to these countries. All these resulted in an economic stagnation increasing the unemployment rate, fall in GDP. This can be reversed by curbing the corruption, reducing the paperwork associated and speeding up the processes, investing in domestic infrastructure by improving roads and electricity. People should elect good leaders who could bring free market trade and avoid favoritism. Privatizing business processes.A poor infrastructure in roads and the unreliability of the electric grid together creates unwelcoming business climates decreasing business confidence in Indonesia, leading to capital flight and a decrease in investments, shaking the very foundation of economic growth which is leading to the economic stagnation. These risks can be reduced by curbing the corruption, reducing the paperwork associated, investing in domestic infrastructure by improving roads, electricity†¦etc

Us Immigration 1880-1925 Essay Example

Us Immigration 1880-1925 Paper From the years 1880 to 1925, there was a rapid growth of immigrants coming into the United States. Many foreigners came to the United States in hope of striking it rich. The Immigrants saw the United States as a way to make a better life for themselves, and this started to cause problems. This is when the United States government took actions to control immigration. In the early 1880’s, immigration was gladly welcomed, but as time progressed, government saw it as a growing problem. After America’s Reconstruction era, immigrants from southern and eastern Europe began pouring into the United States in order to start a new life for themselves. The United States government welcomed these immigrants with open arms. Compared to their home country, the United States offered more freedoms to the immigrants. (Doc. A) When the immigrants would make a good sum of money, they would move back to their native country and take some American values with them. (Doc. B) These immigrants were known as â€Å"birds of passage†. Many American didn’t like this going on. Nativism grew throughout the 1890’s. American workers jobs were in jeopardy due to the amount of cheaper labor that businesses could get by hiring immigrants. (Doc A) These people were known to have xenophobia; a fright of people from other countries. In 1892, the National People’s Party claims that current immigration laws failed to protect American workers. (Doc. C) This was the beginning of attempts to get immigration limited. We will write a custom essay sample on Us Immigration 1880-1925 specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Us Immigration 1880-1925 specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Us Immigration 1880-1925 specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Over time, the federal American government began taking more action in immigration policies. In 1882, the federal government established the Chinese Exclusion Act. The American and Japanese governments worked together to discourage the emigration of the Japanese laboring class. (Doc. D) The federal government also closed off the flow of immigrants from Europe with the Emergency Quota Act of 1921. (Doc. H) What this did was limit the annual number of immigrants who could be admitted from any country to 3%. This was later limited by the Immigration Act of 1924 which limited the number of immigrants who could be admitted from any country to 2% of the number of people from that country who were already living in the United States in 1890. Throughout the 1880 to 1925 period, immigration was seen as a great thing for America that eventually turned into a problem. The federal government gained more control over immigration policies as time passes by. At first, immigrants were welcomed to America with open arms. As problems with emigration began showing up, action had to take place. The federal government stood up to help protect the American people.

Fate and freedom in oedipus essays

Fate and freedom in oedipus essays For centuries, the struggle between fate and the freedom of the human will has been a point of discontent among many scholars in the area of philosophy and Greek literature. In the works of men like Homer, Euripides, and Sophocles there is an emphasis on the role of prophetic beings and the inability of humans to overcome this obstacle. People are manipulated much to the delight of the gods without any hope of staving off disaster. As seen in Sophocles timeless tragedy Oedipus Rex, the title character appears to be a victim to his own destiny, hopelessly entangled in a web woven by superior beings. I am going to argue that despite the propensity to fall into the convenient thought that human beings are simply subject to the will of something greater that there is a definite tendency to allow for acts of free will throughout Greek literature. Since I believe Oedipus is the most complete embodiment of this struggle I will focus my analysis on his character. According to Websters New Collegiate Dictionary, fate is defined as an inevitable and often adverse outcome, condition, or end. When I originally read Oedipus Rex and met the character of Oedipus for the first time I presumed that Sophocles believed strongly in the idea of fate or destiny. Oedipus appeared to be incapable of avoiding the seemingly inevitable and thus became a tragic character in my eyes after I read it. To see a great man like Oedipus fall to the depths he has reached by the end of the play is truly tragic. Many see the core of the tragedy in his unavoidable demise. But what if the demise was avoidable? What if the tragedy here is that a man is so consumed by prophecies and oracles that he alters his course of action so as to avoid destruction actually enacts ruin upon himself? These are tough questions to consider so I believe it is best to go about answering them in the most logical, rational way possible. Let me begin by pointing out ...

51 Euphemisms for Youre Fired

51 Euphemisms for 'You're Fired' A euphemism is a seemingly nice or polite way of expressing a harsh or unpleasant truth.  In the  Oxford Dictionary of Euphemisms  (2007), R.W. Holder observes that euphemism is often the language of evasion, hypocrisy, prudery, and deceit. To test that observation, consider these 51 alternative ways of saying Youre fired.   Dan Foreman:  Guys, I feel very terrible about what Im about to say. But Im afraid youre both being let go.Lou:  Let go? What does that mean?Dan Foreman:  It means youre being fired, Louie.(Dennis Quaid and Kevin Chapman in the movie  In Good Company, 2004) Throughout much of the world, unemployment remains a problem. Yet of all those people who have lost their jobs, few were ever told, Youre fired. Apparently, those day-long seminars in workplace sensitivity have paid off: firing is now as outdated as a defined-benefit pension plan. In its place is a brightly colored file folder filled with smiley-faced  euphemisms. True, a few of the terms sound rather dour and legalistic (involuntary separation, for example, and workforce imbalance correction). A few others are simply perplexing (decruit, lateralize, waive). But many sound as cheery as a year-end bonus: constructive discharge, career alternative enhancement, and- no kidding- free up for the future. Youre not losing a job, these expressions seem to be saying. Youre regaining a life. Euphemisms for Job Termination Here, according to management guides and personnel documents found at a host of online human resources sites, are 51 bona fide euphemisms for job termination. career alternative enhancementcareer change opportunitycareer transitionconstructive dischargeconstructive dismissaldecline a contract extensiondecruitdefunddehirede-selectdestaffdischargediscontinuedownscaledownsizeearly retirement opportunityemployee transitionend of a trial periodexcessingfree up for the futureindefinite idlinginvoluntary separationlateralizelet gomake internal efficienciesmake redundantmanage downnegotiate a departureoutplaceoutsourcepersonnel realignmentpersonnel surplus reductionrationalize the workforcereduce headcountreduce in force (or  riffing)re-engineer the staffreleaserelieve of dutiesreorganize (or  re-org)reshufflerestructureretrenchrightsizeselect outseparateskill-mix adjustmentstreamlinesurplusunassignwaiveworkforce imbalance correction Forget those condescending reminders that youre now free to pursue other interests and spend more time with the family. As anyone who has ever lost a job is keenly aware, euphemisms such as these rarely achieve their goal of softening the blow. The terms that  we  use for getting fired tend to be  dysphemisms: sacked, dumped, bounced out, canned, axed, eighty-sixed, and given the old heave-ho. More About Euphemisms and Dysphemisms Why Do We Use Euphemisms?Euphemisms, Dysphemisms, and Distinctio: Soggy Sweats Whiskey SpeechSoft Language

Server Roles for Installing Windows Server 2008 R2 Essay

Server Roles for Installing Windows Server 2008 R2 - Essay Example AD CS can be used to create a single or many certification authorities to obtain certificate requests, confirm the information in the requests and the requester’s identity, revoke certificates, issue them, and publish revocation data. AD CS support applications such as secure wireless services, smart card logon, and digital signatures (Kelbley & Sterling, 2010). This role provides a total solution for accommodating and managing high-performance allocated business applications. Here, integrated services like the .NET Framework, COM+, and Web Server Support enhance productivity all through the application life cycle, ranging from design and development up to operations and deployment. This role, (DNS) gives a standard way for relating designations with numeric Internet addresses. With this, users refer to system computers through using easily remembered names rather than a long series of numbers. The DNS services may be integrated with Dynamic Host Configuration Protocol services, eradicating the necessity to add DNS records as more computers are increased on the network. Of the above roles, the Active Directory System would be best installed in the Kudler Fine Foods Virtual Organization. This is can be either the Active Directory Domain Service or the Active Directory Federation Services. This is because the role can enable this organization to install Windows in phases, thus enabling integration of other systems. Based on the networking of a this big organization, (Kudler) the Active Directory System is essential because it can authenticate users to many applications that use one user account, and it can be used on a larger scale, providing each user with virtual services (Laudon & Laudon, 2007). Additions to the Negotiate Authentication package by use of NegoExts, the SSP can be authenticated to negotiate them between Microsoft and related software providers. Such extensions

Hunger games Essay Example | Topics and Well Written Essays - 750 words

Hunger games - Essay Example In Hunger Games, violence may be one its main themes but it was not glorified by the film. Those who seemed to enjoy it were portrayed as ridiculous and the characters themselves despised it that in the second installment Catching Fire, they were secretly plotting against the President to end his violent leadership. Without tackling violence in the book or film, the narrative will be a bore or pointless because why would they have to plot against a President if they have nothing against him? Violence in media, books, literature and art are always present and in the case of Hunger Games, it subtly tackle the larger theme of â€Å"chauvinistic omnipotence of men which is often confused with obtuse or even noble concepts like security, protection or prudence† such as the character of the President. Through the narrative of violence, it showed that brutality can be masked as something desirable and be used to rule people by instilling fear. But as what Hunger Games has illustrated , violence has to end for its sheer brutality. Assuming for the sake of discussion that we will rule violence outright in books and films, will that end violence and aggression

Easy to Learn Essay Example for Free

Easy to Learn Essay Here are some interesting stories for all the god’s fan†¦. 1.Sachin was given a pair of pads by his cricket hero Sunil Gavaskar when he was a schoolboy – and he made his Test debut for India against Pakistan aged just 16-years old in 1989 wearing those very pads†¦.. 2.Like loads of other cricketers, Sachin is pretty superstitious – he’ll always put on his left pad before his right whenever he’s getting padded up†¦Ã¢â‚¬ ¦ 3.â€Å"He hasn’t spent Diwali at home since we got married. But it really doesn’t matter that it’s Diwali†¦ any time he spends at home is great!† – Anjali, his wife, told once†¦ Once in a BBC interview when asked about his dream women, Sachin answered ‘my wife’ without batting an eyelid. 4.†He scored a fantastic 148 in Shane Warne’s debut Test in Sydney and then followed it up with another century at Perth, one of the toughest pitches in the world, where Indians have traditionally struggled. The value of his hundred increased because all the other Indian batsmen struggled. His weakness is the fact that he is so talented. His adrenaline pumps strongly when he walks out to bat with the noise of the crowds. You can’t hear yourself think with that noise. I would pay $1000 to watch Sachin bat. To score a 148 at Sydney – and that too when you are 18 — was out of the ordinary though the wicket was a lot like the ones you encounter in India, flat with lots of runs for the taking†¦Ã¢â‚¬ ¦.† The above facts are told by Allan Border. 5.The entire cricket world is convinced of one thing : Sachin Ramesh Tendulkar is the world’s best batsman. Not just for his extraordinary skill, not just for his ability to tear even the most formidable of bowling attacks to shreds; but also for a rare never-say-die spirit, an insatiable hunger for runs and victory, a desire to dominate the opponent ; commitment, dedication †¦ These are what the little champion has built his reputation on. .. 6.Tendulkar was a person who would never show any disrespect to the national flag..He respects the national flag most and had even sought permission to use the tricolour on his helmet†¦Ã¢â‚¬ ¦ It’s not the riches or the records but the love for the game that keeps the world’s richest cricketer going day after day. It is his hard work, determination, temperament dedication for the country that keeps him charged†¦. 7.Tendulkar, now in his eighteenth year in international cricket says, †I still play†¦ because I still love the game.† †I would like to clarify this. It’s not about records. It’s all about loving the game and enjoying being out there in the middle. That is extremely special to me and far bigger than breaking records or creating new ones.† †Creating records happens after you’ve gone on the cricket field, but you’ve got to find a reason to go on the cricket field, and for me the reason is very clear.† †From the age of three I’ve loved this sport and I’ve never thought about scoring the most number of centuries or runs in international cricket. Everyone enjoys breaking records, I’m enjoying it too, but that is not the reason for playing cricket.† â€Å"Whatever level you reach, getting better never stops†-Sachin. Tendulkar said †When I started playing, I always wanted to be regarded as one of the best and the idea was that when I stopped playing, people would remember my name. Being regarded as one of the best players is always a good feeling, and that drives you, it refuels you completely. You want to be on top of your game all the time and push yourself harder and harder. There’s a huge responsibility and it is a great challenge. I love that,† he added†¦.. 8.Some quotes by GOD himself†¦Ã¢â‚¬ ¦ My big sister gave it to me after returning from a trip to Kashmir, which is known for its high-quality willows. It wasn’t the best bat, but it was like a piece of gold to me. I used to imagine myself batting for India, hitting fours and sixes, the people cheering. I used that bat until it broke .. I was the only one supporting John McEnroe — everyone used to call me â€Å"Mac† because I styled myself on him. I made my father buy me the same headbands and sweatbands and even grew my hair long. You wouldn’t believe the pictures of me from that time. I was also extremely naughty. Very, very difficult to handle. †¦I had a nanny who used to run after me virtually 24 hours a day, because I never wanted to go home My father, who died in 1999, was never a cricket fan, not at all. He was a writer and a poet: he taught Marathi, my mother tongue, at the local university. But he understood exactly how to get the best out of me. He always encouraged me and told my mother that he had full faith in me. It was probably reverse psychology, but as I got older I felt like I could not misuse that trust. He warned me against taking short cuts and told me to just keep playing, despite the ups and downs. My parents taught me that it is important to live every day of your life with grace and honour.When it came to choosing between cricket and going to university, he said: â€Å"You can play cricket, I know that is your first love, so go for it.† Of course, my parents were extremely happy when I became the youngest player to play for India, at 16. .. Cricket is something very, very special to me. It has never been about owning this or that car and the other things that come with this life.. An obsession with money or worldly matters was always thumbed down. My only dream was to wear the Indian cap and the Indian colours. In that respect, my childhood dreams have come true†¦.. Having children brings back all my old childhood memories, wonderful years. Now, every minute is measured and calculated. I still dream — without dreams, life is flat, you stagnate. I don’t go to the temple every morning, but I do pray. I thank God for everything he has given me, because life has been very good to me. 9.Chappell should remember how Tendulkar has achieved his greatness and carried the weight of expectations of a billion people since the age of 16, Jadeja said. He added â€Å"When tendulkar enters the field, the crowd says-SACHIN! SACHIN! This is something what every cricketer wants†.. Sachin Tendulkar, the brightest star in the world of cricket has achieved his greatest prices with his intellectual and skilful cricketing brains.. SACHIN dreamt a world of superstars and great triumph and he achieved it.. At the age of 10 he walked to the field at 6 am with a cricket bag bigger than him for the practice. At the age of 11 he moved with his paternal uncle to get trained in cricket by the most renowned coach Ramakanth Achrekar. .. 10.Billions of hearts weep†¦..on the day when Sachin (GOD) retire. Indians wish that day never comes. It would be one of the most disappointing days of our life. Ever since Indians started watching cricket, it was Sachin, Sachin only Sachin who made them feel cricket so special. Sachin is only responsible for making cricket a religion in India. They haven’t experienced watching cricket without Sachin. Whether he was injured/rested, there was always a ray of hope that he comes back to team soon. But after retirement, he will never be backing†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..If anyone wants to achieve anything in life, Sachin is the best example for them. I feel most people find it hard to digest that Sachin will no more be a part of Indian cricket†¦Ã¢â‚¬ ¦.on that day, isn’t it? JUST imagine that day, when Sachin plays his last game. He comes to bat for the last time, and everybody in the stadium claps the chants of SACHIN!!! came for the last time after he gets out, while walking back to the pavilion, the entire crowd gives him a stand awaition. Many of them will be in tears, millions of eyes wet watching their hero play for the last time. An era ends. The end of a legend came†¦Ã¢â‚¬ ¦..The bond between every generation breaks. Would you miss Sachin a lot? I think most of people would say â€Å"YES†. The saddest day of Indian cricket- when genius retires†¦LOVE YOU SACHIN!!! 11.From the early 90s to the early years of the new millennium represented the decade of Brian Lara, Richardson, Martin Crowe, Steve and Mark Waugh, Mathew Hayden, Inzamam-ul-Haq, Gary Kirsten and Rahul Dravid. But there can be any doubt that the No.1 batsman in the world for a decade now has been Master Blaster, Sachin Tendulkar. . But figures, however important they may be, are something that Tendulkar’s achievement should not be measured by. He should be judged by the manner of his batting that is what Bradman did. Symbolized by Sir Bradman naming him in his dream team of all time. The team in which Tendulkar is the only Indian player. He has scored runs on slow pitches of the subcontinent, fast tracks of West Indies, bouncy wickets in Australia and South Africa and in whirling conditions in New Zealand and England. The thought of having Tendulkar as an opponent gives bowlers bad dreams. No batsman has inflicted such psychological damage to bowlers at any time in the world like Tendulkar did to Shane Warne!!!(Warne said Tendulkar is my nightmare). His technique is so well organized that he is able to encounter any delivery with ease and comfort, giving the impression of having all the time in the world to play the stroke, the hallmark of the greatest of batsmen.

Terrorism and the Movies :: Media Entertainment Essays

Terrorism and the Movies Sara Groff, commenting on a recent article by Slavoj Zizek: Here is my attempt at making Zizek's article a little more understandable in a shortened format. I hope this helps everyone as I think he has some profound insights into this topic. As we all watched the horrific events of Tuesday, September 11, unfold before our very eyes - the strategically planned date of 9-1-1 appeared as if it were the setting for a big budget special effects film. The only problem - this time no director would yell cut. All we have to do is rent one of Blockbusters latest hits or watch a few video games and we'll see the disgustingly ironic parallel: bombs exploding, planes crashing, buildings collapsing, people dying, and those running away as they shriek in terror. Film producers spend millions of dollars to create such scenes, and we pay millions each year to go and see the horrific yet exciting final product. Last Tuesday our country found that the reality is much different from the fantasy- we can’t press pause or stop, we must deal with real enemies in the real world. The relation of terrorism to film is an undeniable and unavoidable topic, brought to light for us by Slavoj Zizek's article, "Welcome To The Desert Of The Real." His article is an in-depth exploration into the sometimes confusing, most definitely complex topic of America as a fantasy. Picture this - we are all inhabitants of an idealistic suburb that appears perfect in every way. Green grass, gingerbread houses, kids playing, and dogs out for their afternoon walk. However, one day this world in which you have always lived is proven to be a fake. The set comes down, the lights burn out, all the extras fade away, and we alone are left to deal with our world as it truly is. "The Truman Show" (1998) was based on this phenomenon. Zizek refers to this false world as being "substanceless, deprived of material inertia." So, do we live a staged life in which we are isolated from the real world of material decay? Zizek's belief that in order to bring reality to our world, we must experience the "desert of the real" stems from the 1999 Blockbuster hit, "The Matrix." "The Matrix" generates the belief that our environment is a virtual one - controlled by one mega-computer, and no matter how hard we try, one day we will have to awaken to the "real reality.

Accountant Necessities Essay

They help can help you with financing and anything else such as tax etc. Accountants make sure that they give you the help you need before they let you get out of their eyesight. I myself also wanted to work at a bank. I always had plans on going to college and get my degree to become the Accountant I wanted to become. There are many different people in life who do things that can benefit others by helping them in so many ways. Your enjoyment is your fun and pride. Everyone have their own way of doing what is right and there are so who don’t care what they do. You have to strive for the best in order to be the best and you have to do perfect in whatever you do. Accountants do a great job when it comes to financing, tax reparations, records, and investors. They are on point when it comes to their work. They have a lot of paperwork to do but as long as you do what is asked of you to do then you are going to get your job done. It is amazing when you can find a bank that will allow you to get loans for important things that you need to get for yourself and help you out with things such as your utility bills and other things that need to be gotten. Everyone needs a little help in life. There are times when people struggle and they wonder how they are going to make it. There is something in me that make me feel so sorry for people like that. My thing about that is I try to help them in every which way. I plan to become an accountant in the future. There are many aspects of being an accountant. Accountants become the measurement, disclosure, and also the provision when benefiting with business. I will be able to precede financial information, investors, and tax authorities in life. You have to give life your all even though there are things that may follow. Accountants have to be very skilled workers for the job. You have to know what you are doing and you have to have experience. No matter what you do you have to have the ability Accountants to show what you can do on that job. Accountancies are people who are in charge of a lot of things in life. Your dreams are all that matter and you have to do your best to reach them. Sometimes people love to see others down, but you don’t get nowhere being that way. Accountants are required to follow a set of rules and regulations at the workplace. Those rules and regulations are Generally Accepted Accounting Principles. A company is allowed analyze financial performance of the business. There are many words that follow accountancy and they are listed as a combination of skills and pride. A business should be recognized as a symbol for help and need.

Problems Faceing Susu Collectors in the Bantama Sub-Metro

CHAPTER ONE Introduction Background to the study Personal saving may be voluntary; it can also be contractual through insurance policies by insurance companies and also contributory if through the traditional social security system or â€Å"susuâ€Å". â€Å"Susu† is a traditional form of saving where an individual saves a fixed amount per day with a â€Å"susu† collector for a specified period, say one month. At the end of the month, the Individual collects his or her total savings less one day’s installment, which the â€Å"susu† collector deducts as commission. The higher the umber of clients of a â€Å"susu† collector, the higher the level of that collectors commission at the end of each calendar month. â€Å"Susu† is the popular name given to the rotating savings club in Ghana. It is said to be of Yoruba origin, which is an adulteration of â€Å"esusu†. The term is believed to have been introduced into Ghana by migrant Ibo trade rs before independence in 1957, when formal banking had not caught up well with people especially the indigenous illiterates folks who were mainly traders. With the Alien’s Compliance Order in 1969 coming into force, these aliens left this legacy. Then came quite a number of Ghanaians entering into the business as a result. A few unscrupulous persons also crept in and some actually bolted away with their clients saving. (Aryeetey and Gockel, 1991) In response to the increased cases of fraudulent practices of some â€Å"susu† collectors in the late 1980’s, Ghana Co-operative â€Å"Susu† Collectors Association was formed in 1990 in an attempt to regulate and supervise the activities of the â€Å"susu† collectors. This association serves as the mouthpiece for all â€Å"susu† co-operatives in Ghana. It is the agent that collects taxes on behalf of the commissioner of internal evenue services and external credit facilities for its regional or district societies. (Aryeetey, 2000) and Ardner (1964) echo an informal confirmation that â€Å"susu† was an ancient institution prior to the introduction of the British currency. â€Å"Susu† was practiced by Nigerian traders in Makola number (t wo) market in Accra. Apart from the term â€Å"susu†, the rotating saving club is known by other names in different parts of Ghana. The Ewe’s generally refer to the clubs as â€Å"edzodzo† or â€Å"eso dzodzo†. Whist among the Kotokole’s in the northern part of the Volta region, it is known as â€Å"edeso† (I. P. C, 1988). In some quarters in Laura town the club is known as â€Å"lekseque†. Statement of the problem People have realized the importance of â€Å"susu† scheme yet â€Å"susu† collectors faces a lot of problems mobilizing contributors to participate in the scheme. A lot of contributors have lost interest or back out of the scheme because of the bad perception about â€Å"susu† collectors. Collectors find themselves wanting as sometimes the group in which they join collapse as a result of embezzlement by the group leaders. Some contributors also end up collecting their share of the money contributed and refuse to contribute again. Banks that are involved in the saving scheme also faces documentation problems with their clients. Unfortunately the large amount of research on informal savings has not investigated the problems facing the â€Å"susu† collectors. In pursuit of this research, however, an attempt has been made to find the antecedent facts that leave the â€Å"indigenous savings scheme† incapable of living up to expectation as far as mobilisation, administration and management of funds are concerned. Purpose of the study General Objective: The general purpose of this study was to discover the problems facing â€Å"susu† collectors. The specific objectives of the study are; Specific Objectives: 1. To examine some silent points in the administration and management of â€Å"susu† schemes. 2. To identify how â€Å"susu† saving scheme is organized and operated by individuals and other financial institutions. 3. To find out why people engage in â€Å"susu† schemes. Research questions The researcher posed the following questions to the respondent. 1. What problems exist in the administration of â€Å"susu† scheme? 2. What measures do collectors adopt to ensure the safety of the contributions? 3. Who are those involved in the â€Å"susu† collection? . What problems do collectors face with their clients? 5. How does the scheme operate? 6. Why do people engage in â€Å"susu†? Significance of the study. This study may be useful to â€Å"susu† collectors, financial institutions that take part in the scheme, Ghana Co-operative â€Å"Susu† Collectors Association (G. C. S. C. A), â€Å"susu† contributors and the general public. The management of â€Å"susu† schemes will be able to solve the problems facing their collectors as well as management and administration problems. This may be possible after knowing the problems that exist in the operation of the scheme. The study provides feedback to the Ghana Co-operative â€Å"Susu† Collectors Association (G. C. S. C. A) as to what actually goes on with the operation of the scheme. The study will contribute to the general understanding of â€Å"susu† operations to the advantage of the â€Å"susu† contributor and the general public. Limitaions to the study The study was not obviously without shortcomings. The researcher was faced with some problems. Books written on the susu scheme were a little source of information. The method of sampling used by the researcher was not the appropriate technique but was the cheapest. Other problems were the refusal of some people to grant interview on the topic and the questionnaires. However, with all the problems, it is the hope and wish of the researcher that all information gathered are valid and beneficial to the interested parties especially people of Bantama sub metro. Delimitation of the study In other to get reliable records and information, the research was centered on â€Å"susu† collectors. The researcher contacted garden city savings and loans Bantama branch and â€Å"Gye nyame susu† center at Suntreso south and their members, collectors in their offices and homes. The conclusions and generation therefore were not applicable to all â€Å"susu† schemes. Organization The study consists of five chapters. Chapter one of this study deals with the introduction. It covers the background to the study and sets out the statement of the problem, purpose of the study, the research questions, the significance of the study, the limitations of the study, delimitation of the study, the organization, and definition of terms. Chapter two covers the review of significant or related literature to the study review. Chapter three also talk about the methodology and the procedure for the research. It looks at the various instruments used in collecting the data of the study. Chapter four deals with the presentation of data analysis of information gathered from the survey and interpretation of results. Chapter five also deals with the summary of findings, conclusion and recommendations. Definition of Term SUSU: An alteration of ‘,esusu,’ a yuroba word given to the rotating savings club in Ghana. CHAPTER TWO Literature review Introduction Informal financial savings have been an important part of local financial resource mobilisation in Ghana and other countries since the introduction of money as medium of xchange. Through these savings most trader and dwellers are able to raise capital for their business and other commercial activities. This involves element of credit union and the insurance scheme. In Ghana, the traditional societies are called by the name â€Å"susu† societies and â€Å"susu† clubs. A lot of authors, researchers and scholars have addr essed the issue of â€Å"susu†. Problems Howard et, al (2000) contended that â€Å"susu† collectors are unused in having an apex organization to represent them. In the North, eight hundred and fifty (850) are registered ith this; though it is estimated that a further one hundred and fifty (150) unregistered members operate in the North. They run the business from kiosk located in the market place and act as mobile bankers deposits, often of low but regular value, are usually taken on daily basis over the course of the month. Ghana-vision 2020 Program Of Action for the first medium-term development plan (June 1998-2000) stated that though voluntary informal savings groups (â€Å"susu†) provide most of the working capital of small and medium scale enterprises, these â€Å"susu† groups nd other non-banking financial institutions are at present not geared towards long-term investment financing. This has been a major problem with â€Å"susu’ groups in Ghana. However there is strong possibility for â€Å"susu† to form the basis for the establishment of mutual funds and co-operative savings scheme. According to the report of Financial Accountability and management (August 2004), it is inevitable that the development of credit unions does not conform to a single universal blueprint. In the context of worldwide movement, three major differences in the development of particular credit union industries. Credit union movements in specific locations will potentially move from birth, through adolescence to full development as a consequence of the growth in assets and a direct bearing on accountability. Again to the extent that homogeneity does not pertain, significant variability in accountability between credit unions may exist. Safety of contributions According to Aryeetey (2000) most ‘informal savings mobilizers’ (including â€Å"susu† collectors) use bank facilities for deposits. This implies that a substantial part of rural financial savings end up in banks. At Bonwire and Efiduase in rural Asante, â€Å"susu† ollectors were able to collect ? 8. 8 million and ? 8. 6 million per month, respectively, which they saved in commercial banks in Kumasi, the regional capital (ROSCA survey, 1999). But while informally mobilized savings are to enhance the lending operations of formal banks both this study and the study by Aryeetey (2000) indicates that such lending is skewed towards urban areas. These â€Å"susu† collectors use the banking facilities extensively to safeguard their funds. People involved in the scheme Ndeh (1998) in presenting a paper on the informal savings added that women specially those in the rural population faces considerable obstacles in their access to institutional source of funding. For instance some bank managers would like to â€Å"sleep† with them before they are given loans. Because they do not want to fall victims of circumstances they decide to form groups to save funds in order to aid them in their finances. To add to his comment Ndeh talked about the situation in the Philippines where traders especially women who are married cannot contract loan from the bank without the consent of their husbands. They therefore involve themselves in informal financing here they can get easy access to credit. Ndeh also said that less than 28% of Cameroon women traders get access to formal credit. He also commen ted that this kind of situation in Cameroon might also affect traders in other developing countries. According to Ardener and Burnan (1995) the rotating â€Å"susu† club continue to play a dynamic role in helping to meet the cash needs of women traders and farmers. It is found on principles of mutual trust, obligatory relations and homogeneity. Most â€Å"susu† collectors were Women. This shows that women are mostly involved in the â€Å"susu† scheme. According to Caselli. F (1998), the â€Å"susu† collectors provide savings facilities to individuals involved in a wide variety of informal income generating activities, traders, cart pushers, apprentices, mechanism drivers, and sometimes farmers and fishermen. Operation of the scheme According to Adjetey (1998), a variant of the â€Å"susu† scheme in popularly known as â€Å"olu† savings scheme, sometimes described in the literature as mobile banking. In the scheme, the â€Å"olus† or â€Å"susu† collectors go to markets and hawkers to collect daily savings. The saver chooses the amount he or she can deposit each day, and the collector ecords this amount on a card, indicating some personal information about the depositor. No formal agreement exists between the saver and the collector. The scheme is based entirely on personal trust and relationship. Some collectors do make credit facilities available to some of their traders. Such facilities sometimes attract interest pa yments that one made on daily basis. â€Å"Susu† collectors are entitled to the first daily contribution as commission. The money collected from various contributors are sent to the agent of the scheme which is later deposited at the bank for save keeping. Emerging system Bortei-doku and Ayeetey (1998) discuss the operation of rotating savings clubs in Ghana, shedding light on such issues as the significance of clubs within the national economy, their structural and functional characteristics, their gender composition, the attitudes and perceptions of club members about the system, and more recent changes and variations included by changes in the national macroeconomic setting. They note that while the mainstream principle of grouping together people whose common goal is to accumulate a lump sum over a specific period of time is still a respected method for obilizing savings and allocation credit, and thus a robust socioeconomic development instrument, the operationalisation of that principle had changed over time. They noted that ‘new’ institutions had emerged, but using the same principle, that is â€Å"susu† collectors and emerging savings and loan companies. Botei-doku and Aryeetey argue that despite changes in how the principl e group economic activity operationalised, the interests of men and women as differentiable savers in this informal sector activity appear to have been effected even if only moderately: thus, while women appear to be more active in accumulating the required ump-sums within the framework of the newer â€Å"susu† collector system, more men particularly at workplaces, continue to stock to rotating saving schemes. They maintain that the â€Å"susu† system remains a resilient institution, in view of the preparedness of participants to introduce operational innovations in response to changing socioeconomic conditions. Also in a report on new institutions, Aryeetey, (2000) observes â€Å"susu† companies that have emerged in Ghana only since 1985 operational principles are similar to those of individual â€Å"susu† collectors. The difference between the two is that the saver is ‘guaranteed’ credit. Rather han deposits being returned to the saver mont hly, as is the case with the â€Å"susu† collector, the company holds them for at least six months, after which depositor may withdraw the saving in addition to an equivalent amount of loan. As part of the innovation occurring among informal units, newer savings and loan companies have also emerged. These entities sometimes use commissioned agents (â€Å"susu† collectors) to mobilize deposits primarily from market women and make short-term loans available to them from time to time. Interest and collateral base Broham, John (2000) found that on the credit side, the advances made by the â€Å"susu† ollectors to their regular depositors are usually of low value, very short term ( less than one year) provided in an interest free basis without collateral and disbursed immediately if the money is at hand. The money lenders advance loans on interest higher than the banks but without collateral, and disbursed very quickly if the client is known. The world Bank (1995) in dicates that positive real interest rates are not crucial in mobilizing additional deposits and creating avenues for granting credit as evidence by the fact that the â€Å"susu’ system functions with negative nominal rates. It indicates that rural communities place a higher premium on convenience, accessibility and trust. Why people engage in â€Å"susu† Aryeetey and Gockel (1991) also stated that, the estimates of the size of informal savings suggest that about fifty percent (50%) of total financial savings in Ghana is attributable to the â€Å"susu† system. Most â€Å"susu† clubs are guided by unwritten codes of conduct. Writers like Aryeetey and Aryeetey (1996) wrote on the operations, utilizations, and changes in rotating â€Å"susu† savings in Ghana. They found out that in an economic climate where several social groups in the orkforce find that their access to informal institutions is limited due to their socio- economic handicap, informal institutions such as â€Å"susu† are bond to flourish. Aryeetey et al (1990) said besides the difficulty of operating a bank account, the distribution of bans and the low levels of literacy in Ghana especially among traders, ma kes the informal saving practical for certain categories of people. While in the large urban areas of Ghana, banking facilities may be away from them. Although â€Å"susu† collectors sometimes embezzle their money they still prefer it because the collectors ome to collect the daily contribution at their workplace. Ndeh (1998) presented a paper on the informal savings. He commented that, in developing countries, the financial institutions have utterly neglected the mobilisation of savings and deposit facilities in order to make them accessible to majority of the rural population therefore this people have resorted to informal savings to save their hard earned money. Aryeetey and aryeetey (1995) indicated that, though â€Å"susu† is popularly used to purchased small consumer goods, there a is strong evidence that, it is an important source of business capital. Opoku l. (1997) argues that ,†susu† is perhaps the best-known and oldest form of self- financing bus iness scheme in Ghana. The Sunday Hauld (1997) also argues that â€Å"susu† is perhaps the largest best known and oldest form of self financial business scheme in Ghana. Despite the growth of the banking sector, in the past few years â€Å"susu† and other non banking financial scheme have remained the back bone and lifeline for a substances proportion of workers in Ghana’s economic development especially those operating in the informal sector, which is in fact the dominant force in the country’s economy. This has shown the contribution of the cheme to national development. The World Bank (1995) also identifies several informal financial arrangements in Ghana. They include Rotating Savings and Credit Associations (ROSCA) and moneylenders. It attempts to find explanations for the existence of the informal sector and suggest that in rural areas are the banking system offer low quality services: the processing of deposit and withdrawal takes several hours, an d in some instances customers find no cash and must revisit the bank in order to make a withdrawal. This has shown that some people are interested in the scheme because of the convenience attached o the â€Å"susu† scheme. CHAPTER THREE METHODOLOGY Introduction To ensure the collection of reliable and accurate information or data for the research work, certain procedures and methods were adopted. This chapter deals with the methods used by the researcher in collecting data for the purpose of the research. It involves the research design, population and sampling, data collection techniques, data collection procedures and data analysis. Research Design The type of research design adopted for this study was a survey. A survey conducted on â€Å"susu† collectors to ascertain the problems they face. The survey helps find answers to research questions in order to get information needed for the research. Critically examining the research questions, it was realized that a survey was the most suitable research design for the study of information. The survey was aided by questionnaire and interview. This method gives a quantitative means of establishing relationship among variables. Population The population for the study was from â€Å"susu† collectors and â€Å"susu† co-operative members in Bantama sub-metro. This population was made up of rotating â€Å"susu† collectors, â€Å"susu† agents nd other â€Å"susu† co-operative members. Sampling The members of this study were selected through convenience and purposive sampling by relying on â€Å"susu† collectors and â€Å"susu† co-operative union members. The sample size included twenty (20) â€Å"susu† collectors and five (5) â€Å"susu co-operative members. For reasons includi ng lower cost, greater accuracy of results, greater speed of data collection and availability of population subjects, the researcher used convenience and purposive method of sampling. Though convenience sampling is the least reliable design, the researcher chose convenience ampling because it was the cheapest and easiest to conduct. The researcher had the freedom to choose whoever was found. This method of sampling was used to test ideas and even to gain ideas about the subject of interest. In this study, the researcher wanted to talk to only those directly engaged in the collection of contributions of the â€Å"susu† scheme hence purposive sampling was used. The researcher found it very useful and appropriate in the early stages of the research. In all, a total number of twenty-five (25) subjects were pulled from two (2) operating â€Å"susu† schemes in the sub-metro. This was made up of twenty (20) â€Å"susu† collectors and five (5) other â€Å"susu† co-operative union members. Data collection instruments The researcher used interview and questionnaire as instruments to gather information needed for the study. The interview approach was aimed at finding out the views of individual â€Å"susu† collectors from various â€Å"susu† groups, â€Å"susu† administrators and other members of the scheme. The issues upon which the interview schedule was based on was the administrative problems faced by â€Å"susu† collectors. In all, nine (9) items were in the interview. This interview was however unstructured. The â€Å"susu† collectors and other members of the â€Å"susu† scheme who could read answered the questionnaire. In designing the questionnaire schedule, the researcher considered the degree and form of structure imposed on the respondents. He used various response strategies; offer options that included unstructured open-ended response (the free choice of words) and structured or close response (specified alternatives provided). Free response nature of some of the questions offered the respondents the opportunity to express themselves extensively. The respondents were all literates so there were no difficulties in administering the questions. Different questions were designed for the different target groups (based on the objectives of the study in chapter one) to obtain the primary and secondary information as well as data from the field. The questionnaires designed for the respondent comprised open-ended questions and objective questions. In all Twenty- six (26) items were in the questionnaire. Data collection procedures Copies of the questionnaire were self-administered upon gaining access to participants. The questionnaire incorporated open-ended questions and was couched in simple language. With this process, a lot of data can be gotten with relative ease from different people within a shorter period. The collection of data covered a period of two weeks. The â€Å"susu† collectors were interviewed on-the-job with an interview lasting for an average of ten (10) minutes. Questionnaires were sent to â€Å"susu† collectors at their offices and on-the-job. R respondent were given two (2) weeks for the questionnaires. The questionnaires were collected personally and the rate of return of the questionnaires was 100%. Validity and Reliability of data collected. For the purpose of validity, the researcher made sure that all the information obtained from the respondents were the true answers to the interview and questionnaires designed for them. Again any form of misconstrues in the minds of the respondents concerning the understanding of the question and how to complete them were explained to clear their minds. Finally, for the benefit of validity and reliability of data, the researcher deemed it right to use convenience and purposive method of sampling to avoid high cost and errors. Data analysis The technique for analyzing data was by quantitative and qualitative techniques. The major findings were analysed in percentage points and resented in tables and charts. CHAPTER FOUR RESULTS OF THE STUDY Introduction This chapter gives the findings and analyzes the data collected for the study. This analysis involves the use of quantitative and qualitative techniques. The major findings were then presented in percentages and resented in tables and charts. Data gathered from the findings could be evaluated to come out with the shortcomings of the operations of â€Å"susu† collectors and spell ut the strategies necessary for improvement. Response from questionnaire to each area of interest. |†Susu† Group |People of interest |Questionnaire |Response | | | | |Number |Percentage | |Garden City savings and loans |†susu† collectors |10 |9 |95% | | |Members of co-operative union |3 |2 |66. % | |†Gye Nyame â€Å"susu† center |†susu† c ollectors |10 |10 |100% | | |Members of co-operative union |2 |2 |100% | Out of the sample size of twenty (20), nineteen (19) responded, representing about 95% of the â€Å"Susu† collectors from the two â€Å"susu† groups on the sub-metro. Out of the sample size of five 5), from other members of co-operative union, four (4) responded representing about 80%. In terms of â€Å"susu† groups assigned to respond, response ranges from 95% to 100% representing 95% of â€Å"susu† collectors assigned from Garden city savings and loans and 100% to â€Å"susu† collectors assigned from ‘Gye Nyame â€Å"susu† center’. With the response of members of â€Å"susu† co-operative union the percentage range was 66. 79% to Garden city saving and loans and 100% to ‘Gye Nyame â€Å"susu† center’. The following are the findings: What problems exist in the Administration of â€Å"susu† scheme? The problem identified by Howard et, al (2000) was that â€Å"susu† collectors were unused in having an apex organization to represent them. Ghana-vision 2020 programme of action for the first medium-term development plan (June 1998-2000) stated that the working capital provided by â€Å"susu† groups in Ghana were not geared towards long-term investment financing. According to the report of Financial Accountability and Management (August 2004), the development of susu† credit unions does not conform to a single universal blueprint and homogeneity does not pertain. The researcher wanted to find out whether or not â€Å"susu† collectors had administrators. 100% of the response to this question was â€Å"yes†. It was further observed that most â€Å"susu† groups had the â€Å"susu† group administrator as the highest of authority on the organizational structure. Below s hows the organizational structure of most â€Å"susu† groups in Bantama sub-metro; | | |SCHEME ADMINISTRATOR | | | | | |   |   |   |   | | | | |   | | | |   | | |SCHEME MANAGER | | |SCHEME ACCOUNTANT | | | | |   |   | | | | | | |   | | | | | | | |†SUSU† AGENTS | | | | | | |   | | | | | | | |†SUSU† COLLECTORS | | | The above figure is the organizational chat which determine how people, task, technological and material resources were been grouped. This speed up working activities and enhance effective, efficient, harmonization and good co-ordination. About 53% of response to the questions 8 and 9 with which the researcher wanted to find out if â€Å"susu† collectors faced administrative problems was â€Å"yes†. Which represented ten (10) out of the nineteen (19) responses to the questions. Response to the administrative problems. |Response |Number interviewed |Percentage (%) | |Yes |10 |53 | |No |9 |47 | Some of the administrative problems stated included: Bureaucratic problems. Low salary to â€Å"susu† collectors frequent absenteeism of top management. The strict and rigidity of rules and regulation Rules and regulations. A questionnaire was designed to find out the rules and regulations used for the administration of the scheme. The response was that, the rules and regulations which serve as a form of controlling checks and balances of the scheme helps to keep the accounting books and records accordingly. The rules and regulations for keeping financial records at the various schemes were the strict use of (ATF) accounting system treasury and financial reporting guidelines. It also nvolves the reporting hierarchy of the scheme from the â€Å"lower susu collectors† up the organizational chart to the highest of the structure. About 62% of the â€Å"susu† collectors complained of the rules and regulations being so strict and made no room for changes. Salary The re searcher observed that the salary structure of â€Å"susu† collectors in Bantama sub-metro ranges from ? 400,000 to ? 700,000. â€Å"Susu† collectors in the sub-metro complained of their salary although most of them knew they had no ‘better’ qualification to earn much salary. They compare the cumulative amount deducted from their clients as commission for them with the amount given to them at the end of the month. About 70% of the â€Å"susu† collectors interview evealed this to the researcher during the interview. Budget Budget was drawn to help financial plan for a period of time. Monies allocated were used for specified purposes. The budget had been prepared annually for the scheme by the general accountant who is the head of the budget implementation team. The team according to Garden city savings and loans is made up of the scheme administrator, the general accountant, the scheme manager, and five (5) senior members of â€Å"susu† collec tors. The component of the revenue side of the budget is made up of income from â€Å"susu† contributions, interest on â€Å"susu† contributions invested into other businesses, and loans. The expenditure side of the budget onsist of spending on personnel emolument, administrative, services, and investment. The problem â€Å"susu’ collectors in Bantama sub-metro have with this budget is that, they are not usually considered in the plan. What measures do â€Å"susu† collectors adopt to ensure the safety of contributions? According to Aryeetey (2000) most informal savings schemes (including â€Å"susu† collectors) use banking facilities for deposits. The â€Å"susu† collectors use the banking facilities extensively to safeguard their funds. The researcher also found out that, to safeguard their funds, proper financial books were kept. Monies were also deposited at the banks for safekeeping. Financial books kept and their uses. Books |Uses | | | | |Cash book |For recording income and expenditure | | | | |Expenditure budget ledger |Recording expenditure against budget | | | | |Debtors ledger |Recording credit and payments made by â€Å"susu† | | | | | |contributors. | | | |Debtors control |Total of credits and payments made by all | | | | | |â€Å"susu† contributors and other creditors | To ensure the safety of contribution deposited by contributors, these books are kept in addition to depositing the amount at the bank. Almost all â€Å"susu† groups in the Bantama sub-metro keep these books; 100% of the 19 responses received revealed this to the researcher. Monitoring team The researcher found that, the schemes or â€Å"susu† groups had a strong monitoring team that is made up of personnel ranging from twelve (12) to sixteen (16). The monitoring team meets monthly. The team checks and controls financial activities. This results in effectiveness and efficiency of work in the operation of the scheme. Personal interviews were held to find out if there had been any research work on problems facing â€Å"susu† collectors in their operations and if external auditors audited their books. The responses were that, there were auditors and those were the independent auditors outside the scheme who inspects accounting books to find out if they were kept on justification and to give feedback to shareholders. They audit the books yearly to ensure the safety of the contributions. Who are those involved in the â€Å"susu† scheme? Ndeh (1998) indicated that people mostly involved in the â€Å"susu† scheme were women. Ardener and Burnan (1995) found that, women traders and farmers were mostly involved in the â€Å"susu† scheme. Most â€Å"susu† collectors in Ghana were women. Caselli . F (1998) also found that traders , cart pushers, apprentices, mechanism drivers and sometimes farmers and fishermen were mostly involved in the â€Å"susu† scheme. The researcher also found out that, about 90% of â€Å"susu† contributors were women. This was made known to the researcher when about 95% of â€Å"susu† collectors confirmed that their clients were women traders. â€Å"susu† collectors at the various â€Å"susu† group. â€Å"Susu† Group |Female |Male | | | | | |Garden City |28 |6 | | | | | |savings and loans | | | | | | | |â€Å"Gye nyame† |10 |4 | | | | | |â€Å"susu† center | | | From the table above, it could be observed that out of the to tal number of â€Å"susu† collectors from the two â€Å"susu† groups of forty-eight (48), thirty-eight (38) of these â€Å"susu† collectors are female representing 79% and ten (10) out of forty-eight (48) are male representing only 21%. This reveals that the majority of â€Å"susu† collectors in the Bantama sub-metro are females. Educational qualification of respondents. Level of Education |Number Interviewed |Percentage (%) | | | | | |Tertiary education |2 |8 | | | | | |Post secondary |8 |32 | | | | | |Technical school |5 |20 | | | | | |Vocational school |10 |40 | The observation made from the table and the pie chart indicated that as much as 40% of the â€Å"susu† collectors interviewed had vocational education, 20% had technical education, 32% had ost secondary education, and 8% had tertiary education. What problems do collectors face with their clients? Aryeetey et, al (1990) said besides the difficulty of operating a bank account, the dist ribution of banks and low levels of literacy in Ghana especially among traders, makes the informal saving practical for certain categories of people. â€Å"Susu† collectors face problems with the high illiteracy rate among the traders among the problem. This was made known to the researcher during the study. Out of the nineteen (19) responses received from â€Å"susu† collectors from the two (2) â€Å"susu† groups, eighteen (18) representing 94. 7% responded â€Å"Yes† to having problems with their clients. Some problems included documentation problems: That is the problems mostly faced with the illiterate clients. Majority of the trader-contributors do not understand the operations of the scheme and accuse â€Å"susu† collectors of being ‘fraud agents’ in times of any delays in payment of their contributed amount. How does the scheme operate? Referring to the literature review, Aryeetey (1998) found that, the â€Å"olus† or â€Å"susu† collectors go to markets and hawkers to collect daily savings. The â€Å"susu† contributor chooses the amount he or she can deposit each day, and the collector records this amount on a card, indicating some personal information about the depositor. No formal agreement exists between the saver and the collector. The scheme is based entirely on personal trust and relationship. Some collectors do make credit facilities available to some of their traders. Such facilities sometimes attract interest on the credits. â€Å"Susu† collectors were entitled to the first daily contribution as commission. The money collected from various contributors are sent to the agent of the scheme which is later deposited at the bank for save keeping. The researcher also found that, the monies collected by the rotating â€Å"susu† collectors daily are submitted to â€Å"susu† agents who are also called senior â€Å"susu† collectors to render accounts on the mount collected. â€Å"susu† agents renders accounts to the general accountant. The monies are then deposited at the bank or reinvested into businesses to earn interest. To ensure the safety of contributions , monies are invested into high interest earning business. Monies deposited to the banks are redrawn with the bureaucratic system were executives endorse the cheque. It includes the endorsement of the general accountant, scheme manager and scheme administrator. In cases where a contributor wanted to collect a contribution, the â€Å"susu† collector is informed a day before the collection. If the â€Å"susu† collector is not informed a day before the collection of the ontribution and he or she feels the amount collected from â€Å"susu† contributors are enough, the â€Å"susu† collectors pays the amount demanded. The â€Å"susu† collector collects the contribution card or book within which the â€Å"susu† collector ticks and sends it to the office of â€Å"susu† group for clearance. The researcher also observed that, depositors with â€Å"susu† collectors usually increases the amount of their deposits in November, often doubling them. They do so obviously to ensure that they are able t o save adequately towards anticipated expenditure for Christmas. Interest and collateral base Broham, John (2000) found that on the credit side, the advances made by the â€Å"susu† ollectors to their regular depositors are usually of low value, very short term ( less than one year) provided in an interest free basis without collateral and disbursed immediately if the money is at hand. The money lenders advance loans on interest higher than the banks but without collateral, and disbursed very quickly if the client is known. The researcher wanted to know how lending capital was raised and allocated. For â€Å"susu† collectors, mobilized deposits were their only lending bases. The capital base of most â€Å"susu† operations in Bantama sub-metro appeared to have grown considerably in nominal terms since their activities began. Various institutions were able to determine whether he base had grown in real terms, by how much their clientele had grown. They suggested t hat they had seen real growth over the years. †susu† collectors in Bantama sub-metro granted an average loan of ?450,000 in 2004, with a repayment schedule of one month. The longest maturity period offered by â€Å"susu† collectors was three month. Here, also the loan amounts were often about the same size as were requested by clients. Thus it would seem that â€Å"susu† collectors do not normally scale down the amount requested by clients; in fact, they indicate that their clients know what is reasonable to expect. In 2004, the largest loan amount granted by a†susu† collector was 2,500,000 and the smallest ? 200,000 indicating the flexibility of the system. â€Å"susu† collectors cannot grant longer-term loans given the short-term nature of their deposit liabilities. Here, also, the difference in the average size of urban and rural loans was statically significant. The loan amount of a rotating â€Å"susu† group is equivalent to t he total amount contributed by its members at an agreed-upon time. The size of these cash contributions vary widely from one group to another. Members usually choose an amount that will yield a sizable enough fund for them to make ‘large’ purchases or to provide working capital for business. The appropriated size ay thus be derived from the cost of some of the goods that members wanted to buy, including household appliances and building materials. Some of the amounts being applied in the public departments of some urban areas are about 10% of the salaries of junior civil servants each month, yielding an intake (or loan amount) of ? 900,000. Most â€Å"susu’ collectors do not charge interest on their loans because all they do is advance amounts equivalent to what clients are obliged to save, less their own commission at about 3. 3% each month for the 30% of the sample who do charge interest on loans; particularly to non- depositor clients. It is obvious that when â€Å"susu† collectors decree to lend to non-clients they ehave like typical moneylenders, with the exception-that â€Å"susu† collectors intermediate funds that are mobilized through â€Å"susu† collection. However, in view of the high-risk and short-term nature of this activity, its scope is limited. In reference to collateral, â€Å"susu† collectors take security for granted in view of the nature of association. Thus, many â€Å"susu† collectors require security only when they lend to non-deposit clients (40% of the sample of collectors) and almost 70% of the cooperatives do not require security. Why do people engage in â€Å"susu†? Aryeetey (1996) found out in his research into the operations, utilizations, and changes in otating â€Å"susu† savings in Ghana that, in an economic climate where several social groups in the workforce find that their access to informal institutions is limited due to their socio-economic handicap, inf ormal institutions such as â€Å"susu† are bond to flourish. According to World Bank (1995), in areas where banking systems offer low quality services: The processing of deposit and redrawal takes several hours then â€Å"susu† is bond to flourish. Out of the four (4) â€Å"susu† contributors interviewed, three (3) representing 75% agreed to the fact that they engage in the â€Å"susu† because banks may be away from them but the â€Å"susu† collectors come to collect the daily contribution at their own convenience. All the four (4) agreed o the fact that many banking systems offer low quality services: the processing of deposits and withdrawal takes several hours and in some instances customer find no cash and must revisit the bank for withdrawal. CHAPTER FIVE Summary, conclusion and recommendations Introduction This chapter summarizes the findings in the study and draws conclusions on them. Finally it gives recommendations as to how to solve the p roblems entailed in the previous chapter and gives possible suggestions to improve on the operations of â€Å"susu† scheme by â€Å"susu† collectors. Summary The objective of this research carried on was to investigate on the problems facing â€Å"susu† collectors in the Bantama sub-metro. During the study, it was realized that â€Å"susu† groups and â€Å"susu† collectors kept good records on their activities. The majority of the â€Å"susu† collectors were females and majority of them had vocational school certificate. The â€Å"susu† groups prepared budget yearly with funds sourced from â€Å"susu† contributors re-invested into other businesses to raise enough interest to match against expenditure. Rules and regulations were set to be a guideline for book keeping at various â€Å"susu† groups. Appropriate budgetary system was conducted and financial books for various activities were kept properly and were used for different purposes except that â€Å"susu† collectors were not actively involved. A monitoring team hat checks the financial operations had been set up and external auditors audited the financial books kept strictly annually. â€Å"susu† collectors are attractive to low-income earners who need short-t erm working capital. The relatively low interest rate makes lending even more attractive, as does the possibility that repayment can be made daily in small amounts. Although the loans amounts are relatively small, their regularity enables many traders to smoothing their expenditure patterns by making immediate payments to suppliers and thus ensuring a regular flow of supplies. The small size of the loans and their very short maturity periods do not make them very useful for small and micro enterprises. Lastly a research work that was to be conducted on the improvement of operations of the â€Å"susu† scheme was yet to be done. Conclusion From the information obtained from the questionnaires and interviews, a conclusion needs to be drawn to assess the operations and problems faced by â€Å"susu† collectors in the country. The subheadings below present the conclusion: Administrative problems. Rules and regulations are set for â€Å"susu† groups with regards to the reporting guidelines and the proper action to be taken on the books kept at various â€Å"susu’ schemes. The â€Å"susu† groups were supposed to use the ATF reporting guidelines. The majority of â€Å"susu† collectors in Bantama sub-metro expressed their discomfort with this guideline stating it was so rigid and inflexible. The work of the external or independent auditors helps to prevent fraud and irregularities in the operations of the â€Å"susu† scheme. However, â€Å"susu† collectors expressed their discomfort when the external auditors are at the premises of the â€Å"susu† group stating that they distract and interrupt their daily operations and work. The daily budget drawn was to help a financial plan for a period of time. Many items of expenditure were mostly considered to match revenue for per year. â€Å"susu† collectors were not happy with the budget because they were not mostly considered in the budget as an expenditure item. Organization and operational problems As it was observed in the previous chapter, for a contribution to be redrawn by a contributor, he or she needs to inform the â€Å"susu† collector a day before the collection. â€Å"susu† contributors expressed their annoyance with the system and mistrust with this operation. This has been a problem â€Å"susu† collectors face with this operation. The â€Å"susu† groups offer jobs for the unemployed of this country and in so doing reduces the problem of high rate of unemployment. However â€Å"susu† collectors expressed their dissatisfaction with the amount they receive as salary especially during the month of November where most susu† collectors’ client and deposits per â€Å"susu† contributor increases in size. The monitoring team had not done enough study to ascertain the problems â€Å"susu† collectors face and even if they had done that. No effort was made to address these problem s. Also the various â€Å"susu† groups have personnel with varying educational background like those identified in the previous chapter. How ever the groups do not set a specific standard of qualification required. The analysis in the previous chapters reveals that â€Å"susu† collectors cannot grant longer-term loans given the short-term nature of their deposit liabilities. Also the loan amount of a rotating susu† group is equivalent to the total amount contributed by its members at an agreed-upon time. Most â€Å"susu† collectors do not charge interest on their loans because all they do is advance amounts equivalent to what clients are obliged to save, less their own commission. This reduces the profitability of â€Å"susu† groups as well as has effects on the salary of â€Å"susu† collectors. â€Å"susu† collectors require security only when they lend to non-deposit clients. â€Å"susu† collectors tend to face problems when s ome client fails to pay amount loaned to them. To conclude it all, â€Å"susu† collectors face administrative problems as well as problems in the organization and operation of the scheme. Recommendation. To improve upon the operation of the â€Å"susu† scheme in Bantama sub-metro after identifying the problems they face. The suggestions below should be taken into consideration. Rotating â€Å"susu† collectors association (ROSCA) should review the ATF guidelines regularly to ensure consistent application of the accounting standards to the accounting books kept. The budget implementation team should also ensure that, â€Å"susu† collectors problems are identified and included in the budget and ensure that funds are solely spent according to what has been budgeted. ROSCA should also set up an accounting advisory unit to update the accountant on proper books keeping and accounting which will facilitate proper planning and decision. In every institution, there must be a control mechanism in order to ensure effectiveness and efficiency. ROSCA should appoint internal auditors who will work permanently for â€Å"susu† groups alongside a set of rules and regulations to govern the conduct of these internal auditors. Regular research work must be encouraged by way of providing researchers with the needed information in order to determine the shortfalls of the operations of â€Å"susu† collectors. â€Å"susu† deposits should be educated on the operation of the scheme in order to avoid frequent blaming of â€Å"susu† collectors. To raise the amount of salary for â€Å"susu† collectors, a low interest should be charged to regular clients. This is to get enough funds to pay â€Å"susu† collectors. â€Å"susu† collectors should demand collateral security before loans can be advanced. This is to avoid the risk of loosing money in the operation of the scheme. The researcher supposes that, if the above suggestions recommended are carried out, it would improve upon the operations of the â€Å"susu† scheme by â€Å"susu† collectors in the Bantama sub- metro. Suggestions for further research. Research work conducted was limited to problems facing â€Å"susu† collectors in the Bantama sub-metro. The researcher therefore suggest further research work on the problems facing â€Å"susu† collectors in other sub-metros in Kumasi and Ghana at large. RESEARCH QUESTIONNAIRE

7 Flawed Sentences Redeemed by Commas

7 Flawed Sentences Redeemed by Commas 7 Flawed Sentences Redeemed by Commas 7 Flawed Sentences Redeemed by Commas By Mark Nichol The simple insertion, deletion, or relocation of a comma (or two) can alter a sentences meaning, so when writing or editing a sentence, carefully analyze it to determine whether the punctuation (or lack thereof) serves its intended meaning or whether it creates grammatical confusion. The following examples illustrate the significant difference punctuation can make; discussion after each sentence explains the problem and provides a solution. 1. Relaxed capital and leverage requirements are favorable to depository institutions as they allow institutions to put more of their capital to work and may even provide consumers with more access to credit. Punctuation helps readers recognize the meaning of a word that, in identical syntactical arrangements, can have distinct meanings. In this sentence, as appears to function as a synonym for while in the sense of referencing a simultaneous occurrence. However, the clause that follows as is an explanation- here, as is a synonym for because- and is therefore a dependent clause, which means that it must be preceded by punctuation: â€Å"Relaxed capital and leverage requirements are favorable to depository institutions, as they allow institutions to put more of their capital to work and may even provide consumers with more access to credit.† 2. It is a never-ending campaign to stay in step with adversaries, and wherever possible, anticipate their next move. In this sentence, the intended function of the commas is to set off a parenthetical phrase, but the placement of the first comma erroneously suggests that its purpose is to separate two independent clauses. The parenthetical phrase is â€Å"wherever possible,† not â€Å"and wherever possible†- test this fact by temporarily omitting each alternative from the sentence and seeing which statement is still grammatically valid- so the first comma must follow, not precede, and: â€Å"It is a never-ending campaign to stay in step with adversaries and, wherever possible, anticipate their next move.† (Because the phrase that follows and is not an independent clause- there is no subject- no additional comma is required before the conjunction.) 3. I consider movies, such as Get Out, examples of artwork that provoke discussion about our society. The commas bracketing â€Å"such as Get Out† imply that that phrase is expendable- that the sentence is valid without it. But the writer is referring to a category of movies that the film Get Out exemplifies in some quality, so that phrase is essential to the sentence and therefore cannot be treated as a parenthetical phrase: â€Å"I consider movies such as Get Out examples of artwork that provokes discussion about our society.† (If movies were qualified with an adjective, as in the phrase â€Å"movie that allegorically pertain to racism,† then â€Å"such as Get Out† would be valid as a parenthetical phrase because it suggests an example of a specified category of film, rather than just one film in the all-encompassing category of â€Å"movies.†) 4. Getting the right information, to the right people, at the right time, is intrinsically valuable to any organization. The segmentation of the first three phrases in this sentence is unnecessary and obtrusive. The writer of this sentence assumes that punctuation is required to distinguish the three factors referenced sequentially in this sentence, but the prepositions to and at serve this function: â€Å"Getting the right information to the right people at the right time is intrinsically valuable to any organization.† 5. Directors can’t get the information they need to make critical decisions because the company’s ability to effectively measure and report on key risks is limited. If this sentence continued after limited, with an alternative explanation for why directors can’t get the information they need (following a semicolon), then the phrase â€Å"because . . . is limited† would be essential to the sentence. But in the sentence as written, â€Å"because . . . is limited† is a subordinate (and therefore nonessential) clause, and it should be set off from the main clause (â€Å"directors . . . critical decisions†): â€Å"Directors can’t get the information they need to make critical decisions, because the company’s ability to effectively measure and report on key risks is limited.† 6. It’s kind of scary actually. When an adverb appearing at the end of a sentence is intrinsic to the sentence, do not include intervening punctuation, as in â€Å"We visit them annually.† (Without annually, the sentence â€Å"We visit them† would not convey the intended information- the frequency with which they visit- so annually is essential to the statement.) But in this case, actually merely serves as an informal form of emphasis- it merely strengthens the admission but does not add meaning- so it is set off from the main clause: â€Å"It’s kind of scary, actually.† (Also, actually should be set off if it precedes the main clause- â€Å"Actually, it’s kind of scary†- but no punctuation is necessary if the adverb is inserted within the clause: â€Å"It’s actually kind of scary.†) 7. What’s different is they came of age at a difficult time. The subject of this sentence is they, and what comes before is a dependent introductory clause, which must be set off from the main clause by a comma: â€Å"What’s different is, they came of age at a difficult time.† Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Grammar category, check our popular posts, or choose a related post below:Possessive of Proper Names Ending in SThe Difference Between "will" and "shall"10 Terms for the Common People