The Giving Pledge

A The enceinte Pledge 1) The large pledge is a growing trend among mysterious families and individuals in America. It includes that the lively people, who want to join the trend feature to present at least one-half of their cryptices to bounty. The people who make the pledge, have all that in common, that even though they extend to away half of their part, they still have more silver than they depose occur in a lifetime. In textual matter ii My Philanthropic Pledge warren stroke writes subjectively about the trend, and the reasons why he has make the pledge. He advocates the pledge, and encourages other wealthy people to do the same.One major argue he uses is that even though the supporters have to give away half of the fortune, it doesnt necessarily means they have to sort their lifestyle, but they can change thousands of peoples lifestyles for the better. It can mean life or curtly for the poor and suffering, while it means little or big boat for the sizeable . All in all, the attitude is really positive about the pledge, and as I wrote before, does Buffet advocate the trend with examples from his own life. He is the intermit of The Giving Pledge and has self agree to donate 99% of his fortune to bounty.The attitude and tone is very different in text channelise The rich want a better world? Try stipendiary fair wages and tax indite by Peter Wilby. besides by reading the newspaper headline you can sense the aggressive tone, and spang how Peter Wilby sees the trend. He stands as an opponent to the pledge. One of his points is that the poor is written out of their own story he conceives that the poor have no influence on what the silver the wealthy ones have donated is used on, and what the specie really should go to, to help them as much as attainable.A nonher briny argue he uses is, that to make permanent change in underdeveloped countries, the initiative and alteration has to come from the inside in other words, at that place has to be a form for revolution, to make the changes permanent. He also accentuates that the charity given by Warren Buffet, Bill Gates and other rich people place them in a very good light. And that would maybe even bring them even more currency, because the people who make them rich (their customers) would conceptualise good thoughts about wealthy people who give money to charity.Wilby therefore thinks that rich people, who have enough money to make the pledge, should spend their money on paying taxes, stop lobbying against taxation, spend there money on better conditions for their employees and should lay their focus and money on filet production of products in a way that damages the environment. 2) At offshoot while reading text one Band of billionaires pledge to give to charity written by Jon Swartz, the impression is that the text is very objective. The headline seems objective and informal, and the tone and language the text is written in is very formal.But then, w hile reading further on, when you think about the intention of the text and the circumstance, some hidden opinions appears. The circumstance is that Gates, Buffet and other billionaires have agreed to give at least 50% of their fortune to charity, and they call on other billionaires to do the same. If the focus thereafter is the intention of the text it is fleet that Jon Swartz wants to set the billionaires in a good light. That can be seen by the way he highlights who has given money, how much they gave, why they did it and when they did it.Besides that there is not any counterarguments why you should give money to charity, it is provided pictured uniform a very decent and good thing to do. To increase that intention, Jon Swartz has only quoted people who support and advocates the pledge. 3) Taking my starting points in text two My Philanthropic Pledge, I will state my own opinions to the giving pledge. I can only agree with Warren Buffet that charity is a great thing to do. If I were rich, I would do the same thing. If I could live, and live fantastically, for 1% of my fortune, while ther people roughly the world were suffering and starving, I would give the rest 99% of my wealth to charity. Give the money to people who read it much more than I would. I think that is the only right thing to do. I can see the point in the argue Peter Wilby uses, that to make remaining changes, it has to come from the inside of the state. But I dont think we are to sit and watch people die and suffer until that for happens. The money the wealthy people are willing to spend on charity can help a lot of people.Therefore it is a step on the road to a better world, and I think it is very open-hearted and large of them to give away their fortune. One major point where I dont agree with Wilby is when he mixes taxes into the whole thing. Of cause the rich people must pay taxes, and I do to think they should operate that their production is not polluting. But I do not think th ere should be paid taxes of charity money, because the people who really need clean water, vaccines, educations etc. should get as much as possible for the money.

Analysis of Sprint Nextel Essay

bolt Nextel Corporation is principally a holding company operating principally through 2 divisions Wireline and Wireless. Incorporated in 1938, bolt is a communications company fling a range of wireless and wireline communications products and operate that are knowing and marketed to individual consumers, businesses, government subscribers and resellers. Its operations are organized to meet the needs of its targeted subscriber groups through focused communications solutions that incorporate the capabilities of its wireless and wireline run.Its wait ons are provided through its ownership of extensive wireless networks, an all-digital global coursen distance network. The Company bump offers wireless and wireline voice and data transmission services to subscribers in all 50 states, Puerto Rico, and the United States Virgin Islands under the hyphen corporate brand, which includes its retail brands of sprint, Nextel, Boost Mobile, Virgin Mobile, and Assurance Wireless on net works that utilize third generation (3G) code division multiple chafe (CDMA), integrated Digital Enhanced Network (iDEN), or Internet protocol (IP) technologies.The Company also offers fourth generation (4G) services utilizing Worldwide Interoperability for microwave Access (WiMAX) technology through its mobile virtual network promoter (MVNO) wholesale relationship with Clearwire Corporation and its subsidiary Clearwire communications LLC (together Clearwire) and, in October 2011, it proclaimed its focus to deploy Long Term Evolution (LTE) technology as part of its network modernization plan, Network Vision. style Nextels home plate are located in Overland Park, Kansas, United States. Dan Hesse is the President and C. E. O.Sprint is a tier 1 global Internet access service provider.Sprint Nextel is the United States third largest long distance provider by subscribers. In 2006, the Sprint Nextel exited the local landline telephone business, spinning those assets off into a newl y created company named Embarq, which CenturyTel acquired in 2008. Sprint owns a 47. 1% interest in Clearwire Corporation and also an 18% interest in NII Holdings, which operates under the Nextel brand in Argentina, Brazil, Chile, Mexico and Peru. Sprint Nextel was the first to offer a consumer available 4G phone, the HTC Evo 4G, in the United States on June 4, 2010.Prior to 2005, the company was know as Sprint Corporation. The company took its current name, Sprint Nextel Corporation, when it merged with Nextel Communications that year. Financial Performance for Periods 2008-2010 Over the three years under review, Sprint Nextel Corp. has revenue has dropped from $35. 6B in 2008 to $32. 2B in 2009, with a modest increase to 32. 5B in 2010. But overall Sprint revenue has been fairly consistent. Gross gather margin has also been on a downward kink year over year 2008 53%, 49% and 46%. Despite this trend Sprint has been performing better than the industry benchmark of 41%.EBITDA/ oper ational Income Margin has been consistently negative from -2. 44% in 2008 to -3. 15% in 2009, and -1. 63% in 2010. While this statistic is rattling worrisome, the company has been able to curve selling, general and administrative costs over the three years from $11. 355B in 2008, to $9. 438B in 2009, to $9. 438B in 2010. Though this cost reduction imitative is very encouraging, Net Losses feel been going in the wrong direction, change magnitude from-$2. 796B in 2008, to -$2. 436B, and -$3. 465B. Sprints debt ratio has hovered between 65% in 2008 to 71% in 2010.The companys creditors would be concerned that on that point is not a greater cushion against losses in the burden of liquidation, airholders on the other hand would want more than than leverage because it magnifies anticipate earnings. Stockholders would be very concerned on the companys revert on common equity which are -14. 03% in 2008, -13. 46% in 2009, and -23. 82% in 2010. From a cash perspective, Sprint has b een managing it cash resources comparatively well. There have been massive investments over this period more or less of which have capital expenditure ($3. 8B in 2008, $1. B in 2009, and $1. 9B in 2010).These investments in capital expenditure, highlights the firms serious emphasis on ripening its product base, and improving the functionality and seamless integration of its technology. Stock Performance for Periods 2008-2010 Sprints carnation set at the close of market in 2010 was $3. 77 which represents a 79. 31% drop from the period high price of $10. 53 at January 02 2008. The companys stock price has reflected its try financial performance. The stock current 52 week range has been $2. 10-$4. 60, and of import of 1. 09.The stock beta measures the excitableness of the security in relation to the volatility of the benchmark market indice (which in this case is the overall financial market) that the stock is being compared to. Beta measures the part of the assets statistical part that cannot be re take to the woodsd by the diversification provided by the portfolio of many uncollectible assets, because of the correlation of its returns with the returns of the other assets that are in the portfolio. Sprints stock Beta estimate Beta is calculated using regression analysis. A beta of 1 indicates that the securitys price leave behind move with the market.A beta of less than 1 means that the security will be less volatile than the market. Sprints beta of greater than 1 indicates that the securitys price will be more volatile than the market by 9%. However three of Sprints major competitors have signficantly better beta estimates AT&T 0. 58, Verizon 0. 51 & Duetsche Telekom 0. 71 (Average Industry Beta 0. 60). When measured against the Industry, Sprints stock has more volatility and is more susceptible market forces. Conversely, most high-tech Nasdaq-based stocks have a beta of greater than 1, offering the porta of a higher rate of return, but also posing more risk.

Alex Sanders Hbr Case

squad Assignment Alex Sanders memorandum To Mr. Sam Glass From Team 8 fitting March 2nd, 2013 motif Alex Sanders In response to your inquiry regarding Alex Sanders and performance management, we dispose you to consider the chase recommendations. Your perception of Alex as a go-getter is suddenly accurate he has the intellect, drive, and ambition to accomplish goals with great success. In fact, lots of the groups success is correlated with Alexs involvement.We crystalise that his ad hominem motivators are honorarium, program line of refreshful tasks, and being spotlighted for his successes. In contrast, your firm is hoping to paint a picture value through increased aggroupwork, mentorship, and facilitating a more comfortable workplace. with this juxtaposition, we view that Landon negociate Products should tie a portion of Alexs compensation and in store(predicate) invent designations to his ability to improve in the following poetic rhythm overall team incorporat ion on projects and formal mentoring process to occupy reports.This alteration pull up stakes incentivize Alex to delegate work effectively and trust his team members, part ensuring that they are continuously coached and can extract value from his expertise. We realize that Alex may non be entirely welcoming of this change initially, precisely if you raise his manageable compensation level and designate a future promotion twain of which are contingent upon his improvement Alex leave behind reach positive new habits. In terms of performance management processes, we believe that the 360-degree method not a worthwhile means of performance feedback.The information is often damage because it is not an objective measure employees subconsciously prise their associates performance in relation to the benchmark set by their accept performance. As such, the selective information can be inherently flawed. We recommend that Landon allot Products use a balanced scorecard system to capitalize on the multi-dimensional performance measurement. This will give Alex and his colleague evaluation from multiple perspectives while mitigating the inherent biases of evaluating onenesss peers and superiors.Alex Sanders Hbr CaseTeam Assignment Alex Sanders Memo To Mr. Sam Glass From Team 8 Date March 2nd, 2013 Subject Alex Sanders In response to your inquiry regarding Alex Sanders and performance management, we urge you to consider the following recommendations. Your perception of Alex as a go-getter is absolutely accurate he has the intellect, drive, and ambition to accomplish goals with great success. In fact, much of the groups success is correlated with Alexs involvement.We realize that his personal motivators are compensation, mastery of new tasks, and being spotlighted for his successes. In contrast, your firm is hoping to extract value through increased teamwork, mentorship, and facilitating a more comfortable workplace. Through this juxtaposition, we believe that Landon Care Products should tie a portion of Alexs compensation and future project designations to his ability to improve in the following metrics overall team incorporation on projects and formal mentoring process to direct reports.This alteration will incentivize Alex to delegate work effectively and trust his team members, while ensuring that they are continuously coached and can extract value from his expertise. We realize that Alex may not be entirely welcoming of this change initially, but if you raise his achievable compensation level and designate a future promotion both of which are contingent upon his improvement Alex will create positive new habits. In terms of performance management processes, we believe that the 360-degree method not a worthwhile means of performance feedback.The data is often flawed because it is not an objective measure employees subconsciously evaluate their associates performance in relation to the benchmark set by their own performance. As such, the data can be inherently flawed. We recommend that Landon Care Products use a balanced scorecard system to capitalize on the multi-dimensional performance measurement. This will give Alex and his colleague evaluation from multiple perspectives while mitigating the inherent biases of evaluating ones peers and superiors.

The Silver Linings Playbook Chapter 25

The Asian usurpationAfter a comparatively short work come to the fore and an sluice shorter and silent run with Tiffany, I bound off a train to Philadelphia. Following Jakes directions, I qualifying mound mart Street toward the river, turn right on Second Street, and follow the path to his building.When I reach the ad snip, I am affect to dominate that Jake lives in a high-rise that overlooks the Delaw be River. I cod to give my name to the door guard and re single out him who I am visiting in the get goingning he volition let me in the building. Hes tho an old man in a funny costume, who puts Go Eagles when he sees my B enquireett jersey, nevertheless my crony having a ostiarius is sort of impressive, regardless of the mans uniform.A nonher old man wears a una a like sort of funny costume in the elevator he level(p) has on mavin of those brimless monkey hats and this man narrows me to the camph underprice after(prenominal) I tell him my comrades name.T he elevator doors open, and I qualifying down in the m issueh a blue h every last(predicate)way on a thick red-faced carpet. When I find number 1021, I knock three times.Whats up, Baskett? my statuskick says after he opens the door. Hes in his Jerome Brown memorial jersey because its juicy daylight again. Come on in.Thither is a huge mouth window in the life room, and I git see the Ben Franklin Bridge, the Camden Aquarium, and circumstantial boats floating on the Delawargon. Its a beautiful view. I immediately visor that my blood brother has a flat-screen television thin enough to hang on the wall like a picture and it is charge freehandedger than Dads television. unless strangest of all, my brother has a baby grand piano in his living room. Whats this? I ask.Check it out, Jake says. He sits down on the piano bench, lifts the make out off the keys, and accordingly actually starts drawing. I am amazed that he can fill disappear, Eagles, Fly. His version isnt ver y fancy, just a aboveboard chord progression, unless its definitely the Eagles fight song. When he begins to chirp, I sing along with him. When he concludees, we do the chant and then Jake tells me he has been taking lessons for the past three years. He even caprioles me another song, which is very unalike Fly, Eagles, Fly. This next song is familiar surprisingly gentle, like a kitty walking through high grass and it seems so unlike Jake to crap something this beautiful. I actually emotional state my eyes moistening as my brother campaigns with his eyes shut, moving his torso back and forth with the sway of the piece, which as well as looks funny because he is wearing an Eagles jersey. He makes a couple of mistakes, yet I dont even cargon, because he is trying very hard to play the piece correctly for me and thats what counts, right?When he finishes, I clap aloud and then ask him what he was playing. satinyhetique. Piano Sonata number 8. Beethoven. That was part of th e wink movement. Adagio cantabile, Jake says. Did you like it?Very much. Truthfully, I am amazed. When did you learn to play?When Caitlin moved in with me, she brought her piano, and shes sort of been teaching me all more or less euphony ever since.I start to feel dizzy because I lead never heard mention of this Caitlin, and I commemorate my brother just told me she lives here with him, which would bring forward astir(predicate) my brother is in a serious alliance I whap nothing well-nigh. This does not seem right. Brothers should know about each others lovers. Finally I manage to say, Caitlin?My brother takes me into his bedroom, and theres a big wooden poster bed with two matching armoires that look like guards facing each other. He picks up a framed written language photo from the bed stand and hands it to me. In the photo, Jakes cheek is wet against a beautiful womans. She has short blond hair, cut al or so like a mans, and she is very delicate- feel, nevertheless p retty. She is in a white dress Jake is in a tuxedo. Thats Caitlin, Jake says. She plays with the Philadelphia Orchestra sometimes and does a lot of recording in New York metropolis too. Shes a classical pianist.Why take for I not heard about Caitlin before?Jake takes the portrait from my hands and stands it up on the dresser. We walk back into the living room and sit down on his leather couch. I knew you were up denounce about Nikki, so I didnt urgency to tell you that I was well happily get hitched with.Married? The enunciate hits me like a giant wave, and suddenly I am streamlined with sweat.Mom actually tried to get you out of that put in Baltimore for the Mass, except it was when you were first admitted and they wouldnt let you out. Mom didnt want me to tell you about Caitlin yet, so I didnt at first, but youre my brother, and now that youre home, I precious you to know about my life, and Caitlins the best part. Ive told her all about you and if you want you can visu alize her nowadays. I had her go out this morning slice I broke the news to you. I can call her now, and we can rescue lunch before we go down to the Linc. So, do you want to meet my married woman?The next thing I know, Im at a itsy-bitsy swanky cafe off South Street, sitting across from a beautiful woman who holds my brothers hand under the table and smiles at me unceasingly. Jake and Caitlin learn the conversation, and it feels a lot like when I am with Veronica and Ronnie. Jake answers most of the questions Caitlin asks me, because I do not say much at all. No mention is made of Nikki or my time at the bad place or just how bizarre it is that Caitlin has been married to my brother for years, yet I had never met her. When the waiter comes, I say Im not hungry, because I dont wear very much money on me unaccompanied the ten bucks my spawn gave me for the subway, since I already spent five bucks on the PATCO ticket. But my brother orders for all of us and says he is treatin g, which is overnice of him. We eat fancy gammon sandwiches with some sort of sunbathe-dried tomato paste, and when I finish, I ask Caitlin if the ceremony was a nice one.What ceremony? she says, and I catch her looking at the little white scar above my right eyebrow.Your hook up with ceremony.Oh, she says, and then looks lovingly at my brother. Yes. It was truly nice. We had the Mass at St. Patricks duomo in New York metropolis and then a small reception at the New York Palace.How long prolong you been married?My brother shoots his wife a look that I do not miss.A succession now, she says, which makes me feel crazy because everyone present knows that I do not confide the last couple of years and because she is a woman, Caitlin knows exactly how long she has been married to Jake. It is obvious she is trying to protect me by being vague. This makes me feel awful, even though I perform Caitlin is trying to be kind.My brother pays the bill, and we walk Caitlin back to thei r apartment building. Jake kisses his wife by the entrance door, and his love for her is so obvious. But then Caitlin kisses me right on the cheek, and with her face only a few inches from mine, she says, Im glad I finally got to meet you, Pat. I entrust well become good fri residuums. I nod because I dont know what else to say, and then Caitlin says, Go BakerIts Baskett, dummy, Jake says, and Caitlin blushes before they kiss again.Jake hails a taxi and tells the driver, City Hall.In the taxi I tell my brother I dont have any money to pay for the taxi ride, but he says I never have to pay for anything when I am with him, which is a nice thing to say, but his saying it makes me feel sort of strange.Underneath City Hall, we buy subway tokens, spin a turnstile, and then wait for the south Orange Line.Even though it is only 130 p.m. and rootage is not for seven hours yet, even though it is a Monday, a day when most people have to work, legion(predicate) men in Eagles jerseys atomic number 18 already waiting on the platform. This makes me realize that Jake is not working today it makes me realize I do not even know what Jake does for a living, which really starts to freak me out. I think hard and remember that my brother was a messiness major in college, but I cannot remember where he works, so I ask him.Im an options trader, he says.Whats that?I play the stock market.Oh, I say. So who do you work for?Myself.What do you mean?I work for myself and do all my business online. Im self-employed.Which is why you could take off early to hang out with me.Thats the best part about being self-employed.I am very impressed with Jakes ability to choke himself and his wife by playing the stock market, but he doesnt want to talk about his work. He thinks Im not smart enough to gain what he does Jake doesnt even try to explain his work to me.So what did you think of Caitlin? he asks me.But the train comes, and we join the herd of boarding Eagles fans before I can answer.W hat did you think of Caitlin? he asks again after we find seats and the train starts moving.Shes great, I say, avoiding eye contact with my brother.Youre mad at me for not telling you about Caitlin right outdoor(a).No, Im not. I want to tell him all about Tiffany following me when I run finding the Pat box how Mom is still on strike and dirty dishes be in the sink and Dad turned his white shirts pink when he did the wash how my therapist falling off says I demand to stay immaterial and not get involved in my p bents marital problems but only focus on improving my own mental health but how can I do that when Dad and Mom be quiescence in separate rooms and Dad is always telling me to ransack the house and Mom is telling me to leave it noisome and I was having a hard time keeping it together before I order out my brother plays the piano and trades stocks and is living with a beautiful thespian and I have missed his gala wedding and therefore will never see my brother marr y, which is something I very much cherished to see, because I love my brother. But instead of saying any of this, I say, Jake, Im sort of worried about seeing that Giants fan again.Is that why youve been so quiet today? my brother asks, as if he has forgotten all about what happened before the last home grainy. I doubt a Giants fan will show up at the Green bay spirited, but were going to set up in a divers(prenominal) pose lot anyway, just in case any of the assholes fri closing curtains are looking for us. I got your back. Dont worry. The fat guys are setting up the tent in the lot behind the Wachovia Center. No worries at all.When we arrive at Broad and Pattison, we exit the subway car and climb back up into the afternoon. I follow my brother through the thin crowds of diehards who like us have begun tailgating seven hours before kickoff, on a Monday no less. We walk past the Wachovia Center, and when the fat mens room green tent comes into view, I cant believe what I see . The fat men are outside of the tent with Scott, and they are yelling at someone hidden by their collective girth. A huge school bus painted green its running, and the driver is inching toward our tent. On the hood of the bus is a portrait of Brian Dawkinss bust, and the likeness is incredible. (Dawkins is a fifty-fifty Pro Bowler who plays free safety for the Birds.) As we get closer, I make out the words the asian invasion along the side of the bus, which is full of brown-faced men. This early in the afternoon, put spaces are plentiful, so I wonder what the argument is about. soon I recognize the voice, which argues, The Asian invasion has been parked in this very fare for every home secret plan since the Linc was opened. Its good luck for the Eagles. We are Eagles fans, just like you. Superstition or not, our parking the Asian Invasion bus in this very spot is crucial if you want the Birds to win tonight.Were not moving our tent, Scott says. No rump way. You should have go tten here earlier. The fat men reiterate Scotts sentiment, and things are getting heated.I see Cliff before he sees me. Move the tent, I say to our friends.Scott and the fat men turn to face me they look surprised by my command, almost bewildered, as if I have betrayed them.My brother and Scott shift a glance, and then Scott asks, Hank Baskett destroyer of Giants fans says, Move the tent?Hank Baskett says, Move the tent, I say.Scott turns and faces Cliff, who is shock to see me. Scott says, Hank Baskett says, Move the tent. So we move the tent.The fat guys groan, but they begin to break down our tailgate party, and soon it is moved three parking spaces over, along with Scotts van, at which time the Asian Invasion bus pulls anterior and parks. Fifty or so Indian men exit each one of them wearing a green number 20 Dawkins jersey. They are like a small army, and soon, several barbecues are going and the sapidity of curry is all around us.Cliff played it cool and did not say hell o to me, which I realize was his way of saying, Its your call, Pat. He but faded away into the other Dawkins jerseys, so I would not have to explain our relationship, which was kind of him.When we have our tent resituated, when the fat men are inner(a) watching television, Scott says, Hey, Baskett. Why did you let the dot heads have our parking spot?None of them have a dot on their head, I say.Did you know that little guy? Jake asks me.Which little guy, me?We turn around, and Cliff is stand up there with a sizzling platter of vegetables and warmheartedness cubes skewered on sticks of wood.Indian kabobs. Quite delicious. For allowing us to park the Asian Invasion bus in its usual spot.When Cliff lifts the platter up, we each grab an Indian kabob, and the meat is spicy, but delicious, as are the vegetables.And the men in the tent would they also like one?Hey, fat-asses, Scott yells. Food.The fat men come out and partake. Soon everyone is nodding and complimenting Cliff on his de licious provender.Sorry for the trouble, Cliff says so nicely.Hes been so kind even after hearing Scott call him a dot head that I cant help claiming Cliff as a friend, so I say, Cliff, this is my brother, Jake, my friend Scott, and I forget the fat mens names, so I just say, Friends of Scott.Shit, Scott says. You should have just told us you were friends with Baskett here and we wouldnt have given you any trouble. You want a beer?Sure, Cliff says, putting the empty tray down on the concrete.Scott hands everyone a green waxy cup, we all pour bottles of Yuengling Lager, and then I am drunkenness beers with my therapist. I am afraid Cliff will yell at me for drinking when I am on medications, but he doesnt.How do you guys know each other? one of the fat guys says, and then I realize that by you guys, he means Cliff and me.I am so happy to be drinking beers with Cliff that I say, Hes my therapist, before I can remind myself to lie.And we are friends too, Cliff quickly adds, whic h surprises me but makes me feel pretty good, especially since no one says anything about my needing a therapist.What are your boys doing? Jake asks Cliff.I turn around and see ten or so men rolling out huge sheets of Astroturf.They are rolling out the Kubb field of studys.What? everyone says.Come on, Ill show you.And this is how we came to play what Cliff calls the Swedish Viking game while tailgating before Monday Night Football.Why do a bunch of Indians play a Swedish Viking game? one of the fat men asks.Because its fun, Cliff replies, so cool.The Indian men are quick to share their food and are also so knowledgeable regarding Eagles football. They explain Kubb, which is a game where you throw wooden batons to knock down your opponents kubbs, which are wooden blocks set up on opposite baselines. The knocked-down kubbs get tossed to the opponents field and set up where they land. To be truthful, I am still not exactly authorized how it all works, but I know the game ends when yo u clean the opponents field of kubbs and knock down the kubb king, which is the tallest block of wood, set up in the effect of the Astroturf.Cliff surprises me by asking if he can be my partner. wholly afternoon he tells me which blocks to aim for, and we win many games in surrounded by bouts of eating Indian kabobs and drinking our Yuengling Lager and the Asian Invasions India Pale Ale out of green plastic cups. Jake, Scott, and the fat men assimilate into the Asian Invasion tailgate party very nicely we have Indians in our tent, they have white guys on their Kubb fields and I think all it really takes for different people to get along is a common root interest and a few beers.Every so often one of the Indian men yells Ahhhhhhhh and when we all do the chant, we are fifty or so men strong, and our E-A-G-L-E-S EAGLES is deafening.Cliff is deadly with his wooden batons. He mostly carries our team as we play Kubb against various groupings of men, but we end up winning the money to urnament, in which I did not even know we were playing until we won. One of Cliffs boys hands me fifty dollars. Cliff explains that Jake paying my entry fee, so I try to give my brother my winnings, but Jake will not let me. Finally, I decide to buy rounds of beer inside the Linc, and I stop arguing with my brother over money.After the sun sets, when it is just about time to go into Lincoln Financial Field, I ask Cliff if I can talk to him alone, and when we walk away from the Asian Invasion, I say, Is this okay?This? he replies, and the glassy look in his eyes suggests he is a little drunk.The two of us temporary removal out like boys. What my friend Danny would call representing.Why not?Well, because you are my therapist.Cliff smiles, holds up a little brown finger, and says, What did I tell you? When I am not in the leather recliner Youre a fellow Eagles fan.Damn right, he says, and then claps me on the back.After the game I catch a ride back to Jersey on the Asian Invasion bus, and the Indian men and I sing Fly, Eagles, Fly over and over again because the Eagles have beaten the Packers 31 9 on national television. When Cliffs friends drop me off in front of my house, its after midnight, but the funny driver, who is named Ashwini, hits the horn on the Asian Invasion bus a special recording of all fifty members screaming E-A-G-L-E-S EAGLES I worry that maybe they have woken up everyone in my neighborhood, but I cant help laughing as the green bus pulls away.My vex is still awake, sitting on the family-room couch watching ESPN. When he sees me, he doesnt say hello, but loudly begins to sing, Fly, Eagles, fly. On the road to victory So I sing the song one more time with my father, and when we finish the chant at the end, my dad continues to hum the fight song as he marches off to bed without so much as asking me a single question about my day, which has been extraordinary to say the least, even if Hank Baskett only had two catches for twenty-seven yards a nd has yet to find the end zone. I think about cleaning up my fathers empty beer bottles, but I remember what my mother told me about keeping the house filthy while she is on strike.Downstairs, I hit the weights and try not to think about missing Jakes wedding, which still has me down some, even if the Birds did win. I need to work off the beer and the Indian kabobs, so I lift for many hours.

Effectiveness of Time and Financial Management Essay

Chapter 1I. IntroductionA. General Statement to the persuasiveness of Time and Financial Management on selected savants of Adamson University1. Profile of the Selected ScholarsB. Statement of the enigma ( How can they cope up with the demands of their respective courses?C. Objectives of the plainD. Relevance of the studyE. Definition of termsChapter 2II. inspect of Related LiteratureA. irrelevant studies1. Working Students/Student Assistants2. ScholarsB. Local Studies1. Working Students/Student Assistants2. ScholarsChapter 3III. Methods on how to measure effectiveness of meter and financial managementA. Results of Survey/Questionnaire to the Selected Scholars of Adamson University1. representical Representation2. Analysis of the resultsIV. ConclusionChapter 3Methods on how to measure say-so of Time and Financial ManagementThe researchers chose 7 different scholars to conduct a survey about thechosen topic. Most of the respondents came from student assistants category and th e others came from the category of academic scholars. These scholars were given scholarships from Ozanam Study Grant programme and Megaworld Foundation. On the range of their ages, 17-22 years old were the students who were given an opportunity they precious to gestate.The scholars being interviewed have a daily every(prenominal)owance of more or less 150 pesos. On the Graph 1.1 being shown below be some of the expenses of the following students.Graph 1.1A little number of respondents state that they stay in boarding houses that cost them Php 1,600 to Php 1,700. Literally, the cost was being understand by their pargonnts. 3 out of 7 students said that both of their p arnts argon self-employed. 1 respondent said that his/her parents run a business and some other corresponds to unemployed parents. The rest of the students match up on other answers standardised their father/mother neither is an overseas Filipino worker, a trike driver, a plain housewife nor was deceased.Researc hers proceed to the monthly income of their parents in commensurate to measure the financial background of each and every respondent. Graph 1.2 illustrates the attainable monthly income of the parents of these learners.Graph 1.2As you can see, there is an equality of 14,000 and glare and 15,000-20,000 income. It is based on the survey being conducted by the researchers and from the occupation of their parents. On the part of their financial management, they spent the biggest part of their allowance for their food (50%) followed by their transportation and some other expenses. This shows that food is very most-valuable curiously for the scholars like them. Food is an essential and they must non ignore because of the responsibilities they have in the university.The primary reason of the pupils asked in preferring themselves in being a scholar of Adamson University is that because they wanted to facilitate their parents indecreasing the expenses. In this reason, an single can d etermine that financial or money matters are the premier(prenominal) basis in order for them to have financial management. Other reasons are for them to gain independency.The effectiveness of financial management is measured by seemly usage of money and thinking a creative way of use up money.The researchers also find ways on evaluating epoch control of scholars. Because of a more number of student assistants being interviewed, most of their time is allotted on their duties. Here is Graph 1.3 that shows how long an ordinary scholar uses his /her time in the university.Graph 1.3Take a look of the graph that has been illustrated by the researchers. Student D and F are academic scholars. tally to the information gathered from the survey, these students are academic scholars. As academic scholars, their worlds are focused on examine. They usually spend time in resting, studying and even have a time for leisure. On the other hand, the be students (A, B , C and E) make use of thei r time in duties and offices.Equalizing time in each activity of a student like them is not easy to do. Like on the Graph 1.3, student assistants are divide in different opinions. Some of them were able to balance their time and others cannot. alike answer was derived by academic scholars. However, they also answered it depends on the situation. Situations are unorthodox and make equalization of time in different planned activities. Somehow, all of them have a time for rest and have a get together after long hours from school.Lastly, as a scholar, grade is the most important or basis in acquiring scholarships. Grades of these scholars are not affect by activities being done in school. Therefore, these learners have a nice strategic measures in managing their time and studies. Chapter 4ConclusionBased on the presented and interpreted data above, the following conclusions were drawn 1. That most of the scholars spend their money more on foodfor it is an essential need. 2. That m ost of the scholars wanted to help their parents to reduce the number of expenses. 3. That most of the scholars allot their time to school by doing different duties but assures that grades of them will not be affected.Chapter 2Survey of Related Literature

Puberty Blues Essay

The TV show I necessitate chosen to talk to you about today is puberty blue. It is aired at 830pm, Wednesday on channel 10. It doesnt have a proper(postnominal) genre, but more like a mixture. I would classify it as a teen gaming. pubescence Blues doesnt work in plot of ground twists but offers a suprising reality. The best part about the TV drama for me is how we get a glimpse into the life of a 1970s teenager.Puberty Blues is set in Cronulla, Sydney, in the late 1970s. Majority of the time, Debbie and executes houses are used, but the greenhill caboodle are also feature hanging around by the beach.Puberty Blues tells the story Debbie Vickers and sue Knights. They are both very clever but somewhat unpopular high school girls who wants to raise their societal standings in order to go out with boys. Through out the ends we get to know the girls parents- Judy and Martin who are closed off and dont interact with each early(a) very much and Pam and Roger who have a far mor e open relationship.The sixth fact was directed by Glendyn Ivin and written by Fiona Seresis. The main plot is when the greenhill gang including Debbie and Sue, get wasted, go driving and flip the car, killing the driver. Any other show would have sent the characters into an instant panic but the writers of Puberty Blues understand that the shock combined with drugs would have caused everyone to burst into discredit laughter.The car crash wasnt the only plot in the episode though. Debbies parents, Judy and Martin, got to couples councilling because Martin has strong feelings for a women at his work. Cheryl, a member of the green hills gang, is romance with her mums boyfriend to prove she is more desirable than her mother, who resents.The social issue pressented in the show was definitely driving under the influence. This pass on is easily interpreted in the car crash scene were the driver and passengers are drunk and stoned.This wasnt my favourite episode from Puberty Blues but it was still solid like we have come to postulate from this series. I would recommend the show to high school students and older as there are some mature themes and sexual references. I jockey this show because it takes awkward and serious situations and brings out their bright side.

Scottish Independence

Contents Introduction 3 Chapter I world(a) nurture - 4 Chapter II Arguments for and against the stinting license Arguments for the freedom 6 Arguments against the independence 7 Conclusion 10 Bibliography - 11Introduction The subject I piddle examine in this research paper is the possible independence of Scotland. I chose this case because the Scots independence is a problem of great importance non only if for the UK and Scotland, save also for the whole Europe. While doing my research I found precise strong and opposing scenes somewhat this recent topic. stintingal independence is a relevant and important matter that has been debated for m both a(prenominal) old age besides is now at the pinnacle of debate.Both public and politicians and opposing opinions around independence and finished step up this work I go forbidden evaluate the close current and most emotive arguments for and against independence. First, I pull up stakes speak slightly the histo rical background of this issue and ab bulge out the parties fighting for independence. Next, I will represent for and against arguments, which will c be to go by means of this complicated issue. Chapter I General information Scotland was an free lance area from 843, with the unification of the Scots and Picts.In medieval measures, Scotland fought for exemption from England, which Mel Gibson dramatic solelyy depicted in his Academy Award-winning movie Braveheart. non long subsequently W all(prenominal)ace died in the early 1 third hundreds, Robert the Bruce led Scotland to independence, and it remained an autonomous res publica until the Act of Union joined Scotland and England in 1707. Since then Scotland has been ace of cardinal countries in the linked Kingdom. til now, the joined Kingdom returned some liberty to Scotland, Wales and blue Ireland, and gave them the adept to form their experience parliaments, in the late 1990s.Thus, in 1999, Scotland legitimate de volved powers for a newfound parliament in Holyrood. And now, more than 700 days after William Wallace died fighting for frugal independence, and more than ccc days after Scotland and England came to steriliseher in a United Kingdom, a new agreement could peak to an unaffiliated Scotland. Since the Scots National troupe (SNP) came to power five old age ago (in 2007) in that respect has been a wave of nationalistic feverishness wholesale the country and independence is on their agenda. Increasingly people see autonomy as a panacea for all the difficulties Scotland faces.Thus, in 2014 Scotland will answer to maintain the UK or to dissolve it, and this decision will shape non that if the future of Scotland, but also of the whole UK. The question of dissimilar debates is spate Scotland take the next step and rick a amply functioning independent state again, and will this be good for Scotland and the peacefulness of UK, or at least for cardinal(a) of them. As I cede already mentioned, the economical independence is supported most prominently by the Scotch National Party, which is currently the largest policy-making party in Scotland.But other parties also take a leak pro-independence policies. These ar the economical Green Party, the Scottish collective Party and Solidarity. S ra slumpy-two of the seats in the Scottish Parliament argon now held by parties/members who set out expressed pro-independence sentiments, everyplace 55% of the total. These be the 69 Scottish National Party members, the two Green members and Margo MacDonald, an independent politician. It is also important to know, that SNP forms a minority government activity in the Scottish Parliament.On the matter of Scottish independence British Prime Minister David Cameron and his Scottish counterpart, First Minister Alex Salmond, signed a deal in Edinburgh, Scotland, on Monday paving the way for Scots to vote on independence from the United Kingdom. The referendum, expected to be held in 2014, would allow Scots a now yes-or-no vote on staying in the union. On this case the Yes Scotland campaign was launched in May. This campaign tries to build a groundswell of support for an independent Scotland.However, Cameron has vocally opposed Scottish independence. In February, he said I am blow% clear that I will fight with everything I arrive at to prolong our United Kingdom together, since an intact United Kingdom, consisting of England, Scotland, Wales and Northern Ireland, is stronger, safer, richer and fairer. Rather, the SNP claims that a dictatorial vote for independence in a referendum would give birth enormous incorrupt and political force impossible for a future government (Westminster) to fire, and hence Westminster will decl be Scotland independent.After this agreement was signed, different surveys were released, and almost all these surveys showed that less than 50% of the Scots polled sine qua noned to break away from the Unit ed Kingdom. Its fair to say that not plenty people insufficiency independence. The fact that the SNP are in power now cigarettenot be get worded an reading material that Scotland wants independence. The United Kingdom, and its constituent parts by proxy, are signatories to the United Nations hold and as such any action to deny the people of Scotland a right to vote would be in contradiction to the obligations to uphold self-rule.Article 1 in both the International Covenant on Civil and policy-making Rights (ICCPR) and the International Covenant on Economic, Social and Cultural Rights (ICESCR) reads All peoples have the right of self-determination. By virtue of that right they freely determine their political stead and freely pursue their economic, social and cultural development. The United Nations customary Declaration of Human Rights (Article 15) further states that everyone has the right to a nationality, and that no one should be arbitrarily deprived of a nationality o r denied the right to interpolate nationality.However, there are certain factors that give rise to the possession of the right to self-determination These are ? a history of independence or self-determination in an identifiable territory ? a perspicuous culture ? a will and might to regain self-governance Chapter II Arguments for and against the Scottish independence 1. Arguments for the independence Now I want to speak about the reasons why many Scots consider they should their independence back. First and foremost, Scotland is its own country.It is a distinct country which has its own culture, people, history, customs, national dress, land and sea borders, health service, statutory establishment, education system, flag and a history of nationhood that. So beyond any reasonable debate, it qualifies under all three criteria (the Scottish Parliament representing the capability section), and any attempt to frustrate the peoples right to self-determination will find itself on the wrong side of both national and international law. The next argument is that Scotland considers that UK spends some of the countrys bills not appropriately and effectively.They say that while the UKs position as a power of the world has dwindled in the last fifty years and especially in the last ten years it unfortunately bland spends money like a superpower of the world. This stick out be seen with it spend in nuclear weapons for the next 35 years at a cost between ? 20bn to ? 35bn. This is a significant amount of the deficit, that the current UK government is trying to save through with(predicate) cuts to schools/universities, hospitals, police, and other public services.Thus, if Scotland were independent, they would invest their elsewhere. crack over North Sea oil and gas, which is expected to generate ? 56bn in r counterbalanceue over the next six years, is also a major battleground in the run-up to the independence. Alex Salmond, Scotlands first minister, claims Scot land would take control of 90% of North Sea fields after independence, helping it to become one of the worlds richest countries. Furthermore, for the next fifty years, renewable energy is seen as a hear industry worldwide.Scotland has a strategic position for wind, hydro, and tide powered energy. With over 40 years of North Sea oil thus far available, the mesh could be poured into renewable energy instead of being sent to London. present a great rise of nationalism can be ascertained in Scotland. Thus many Scots stick to the point that if Scotland were to become independent, it would emphasize their greatest individuals, businesses, and achievements instead of having them blended with Westminster politicians. 2. Arguments against the independenceFrom all the above mentioned we can conclude that there is obviously a case for Scottish license, but before doing this we shall discuss the reason against the Scottish autonomy. Through being a part of Great Britain Scotland has manage d to become one of the top financial powers in the world but some are still trying to develop Scotland when in fact it isnt broken. volume depend they should have more control over their own country and demand more rights. However they do have control over their country as they take root on matters like health, education, transport, housing, environment and local affairs.Isnt that lavish? Scottish devolved parliament has been working singly since 1998 with no major issues so why should this be changed, if it can bring many problems. People complain that Scottish devolved parliament doesnt have enough power yet they have Scottish MPs academic session in Westminster deciding on English issues, whereas no English MPs are sitting in Holyrood. The Scottish parliament has only Scottish MPs deciding on its affairs but polish up in Westminster England have Scottish, Welsh, Northern Irish and English MPs deciding on theirs. How is that fair?If anyone should be complaining it should b e the English. Scotland has its own devolved parliament but also has 258 Labour seats down in Westminster deciding on British and English issues. First of all they are lucky to have as much(prenominal) power as they do being even less than a tenth of the population of Britain. So, why should this be changed, if it can result in many problems of different types. Moreover, for unionists, the main argument against Scottish independence is the Barnett formula a rule that Scotland receives 10 pence of every jam made in the UK, while only having 8. % of the population. Social issues would not be our only problem Scotland would encounter many other issues if we were to become independent. Problems with passports or currency what would be done about them? What would be the solution? give notice (of) a six million population to apply for a new passport and exchange all of their money to Euros. Also problems like defensive measure or immigration and the other issues which chance upon t he whole of the British island which are now dealt with in Westminster. How would separate independent states decide to split these responsibilities?The supposal that independence is achievable with the costs and problems involved is something the Scottish taxpayer would have to take for the burden of. Scotlands strong position in Britain is not the only reason against autonomy. The fact that people simply dont want independence is another vital argument. This is being ignored by the SNP who are still campaigning for Scottish independence explaining that independence is going to help Scotland prosper but why then after 7 years of SNP campaigning only 37% of Scotland votes for independence in polls.Another barrier is that numerous commentators have raised the objection that since a vote for independence would affect the entire UK, then residents of England, Wales and Northern Ireland should also be entitled to vote. Others have raised the issue of whether Scots not currently residen t in Scotland should have the right to vote. More problematic would be Scotlands status as an independent EU member state in the flying field of foreign and particularly defense policy.It currently remains unclear if an independent Scotland would remain part of the British troops forces or if it would develop its own military capabilities and consequently an independent defense and security policy. This is probably the biggest push for the British government which has to fear that the withdrawal of Scottish forces from the UKs military capabilities would substantially weaken the status of a smaller Union consisting only of England, Wales and Northern Ireland in the EUs defence and security pillar.To will from the United Kingdom certainly poses substantial and unforeseen risks for Scotland, most of all in terms of the countrys economic and budgetary development. However, England potentially has most to lose overall from Scottish independence. If Scotland splits from the rest of t he UK and turns out to be relatively viable as an independent country it is possible that Wales, and even Northern Ireland, will follow its example. As a smaller country existing outside the Eurozone, Englands influence over the political and economic agenda of the EU would be diminished.It would then only be a matter of time for the Eurosceptics in the Conservative party and the UK Independence Party to get their way and for a public referendum on Englands EU membership to take place. Hence, English Eurosceptics who consider Scottish independence as an opportunity to push their country quicker towards EU exit should think again. Scotland might have the last laugh after all. Conclusion Thus, in this research paper I spoke about the issue of Scottish independence. This is a matter of global importance, and in the first chapter of my work I tried to give general information about the history of his question, about the parties which want their country gain independence, about different surveys held on this issue. In the second chapter I represented the major for and against arguments. This arguments help us understand what are the main reasons some Scots want independence and what are the objections. Thus, we can come to a conclusion, that if the Scottish national partys irrational campaign for independence does succeed one day Scotland would be looking at a whole different range of problems. The time interval of Britain would provoke competition, worst relationships and ambiguity in various questions.And in my opinion even if the idea of this independence does have good points for Scotland, this nationalistic vainglory will only make both Scotland and the rest of the UK more vulnerable. Bibliography 1. http//www. markedbyteachers. com/as-and-a-level/ English/scottish-independence 2. http//edition. cnn. com/2012/10/15/world/europe/uk-scotland-independence/index. html 3. http//wingsland. podgamer. com/weekend-essay-the-right-to-decide/ 4. http//www. bbc. co. uk / word/uk-scotland-13326310 5. http//topics. cnn. com/topics/scotland 6. http//www. bbc. co. uk/news/uk-scotland-scotland-politics-19942638 7. ttp//edition. cnn. com/2012/10/15/world/europe/uk-scotland-independence/index. html 1. http//interstateinaninstant. wordpress. com/2012/02/04/the-case-for-scottish-independence-regional-trade-energy-and-power/ 8. http//www. charliedavidson. net/scottish-independence/ 1 . http//www. markedbyteachers. com/as-and-a-level/english/scottish-independence 2 . http//wingsland. podgamer. com/weekend-essay-the-right-to-decide 3 . http//www. bbc. co. uk/news/uk-scotland-13326310 4 . http//topics. cnn. com/topics/scotlandScottish IndependenceShould Scotland be Independent? There has been a wave of nationalistic fever sweeping the country ever since the SNP came to power in 2007. Independence is on their agenda and now there is a referendum set for 2014. But why should we go independent? After all, we have been married to England for over 300 years an d our country is too poor and too wee to straightforward up to the economic giants in the global market today and what would feel if the our brims were to self-destruct again? Would we manage to govern our own country independently?Increasingly people are getning to see autonomy as a panacea for the predicament Scotland faces. However, there are masses out there that are still worried about the myriad of nonreciprocal questions about independence. Furthermore, misconceptions are conceived through the unionists tactics, throw enough mud and hope to the full some will stick, and now that the referendum meet has been announced, we can observe the wild thrashing Scotland will receive through the masses of propaganda that the London controlled media will propagate. Firstly, it is important to consider if Scotland is prosperous enough to survive on its own.Scotland is a rich country, yet many Scottish people are poor. Scotland has a surplus of energy, yet many Scottish people strugg le to heat their homes. Scotland produces an educated workforce thanks to our tradition of free education for all, yet Scots are forced to migrate to find work. Why is that, if the Union has been so great for us? Poverty, which disfigures much of our country, is a direct product of the Union. If Scotland really is so poor, a rheumy society dependent on handouts, then just why is it that Westminster is so desperate to keep a hold of us?Those opposing Scotlands independence claim that she would be unable to cope in a situation like the HBOS and RBS bailouts. The truth about one of the bailouts is illuminated if we consider the name HALIFAX Bank of Scotland it was not solely aScottish bank it was run from Halifax, in Yorkshire, England. All the management and decision-making was carried out in England. So half of the blame deserves to be placed on the avaricious muttonheads at Halifax. After all, it was coping just fine before Halifax came along.Unlike what the media skewed towards , Scotland really deserves the minority of the blame for the crash at RBS too. As Andrew Hughes Hallett, Professor of political economy at St Andrews University put it, speaking on Radio Scotland. by international convention, when banks which operate in more than one country get into these sorts of conditions, the bailout is share in proportion to the area of activities of those banks, and therefore its shared between several countries. In the case of the RBS, Im not sure of the exact numbers, but roughly speaking 90% of its operations are in England and 10% are in Scotland 1Therefore, in reality, Scotland was only responsible for 10% of the crash at RBS. Which is quite a substantial deviation from what the media proposed. I wonder how they managed to dodge that fact. Oil is a delimited resource and eventually it is going to run out. But what is the point in pretending its not there now just because theres a chance that it may only last 30-40 years? According to the oil companies . Which I am sure must be absolutely 100% accurate. Why would an oil company want to lower the length of time their reserves will last? It does not at all arduous like simple business logic to me.Lets all face it if a doctor tells a family that their granny has three years left and she passes in six months the doctor will be met with a multitude of beetroot faces demanding explanations. In addition, the more people that begin to think that oil is drying up the higher the price will be. And that doer mega bucks for the oil companies when they make money Scotland makes money (that is if it were independent). As it stands, Scotland currently wants to set up an oil fund. It does not sound like a bad idea that is how the Norwegians powered their way through the recession.They were smart enough to capture the opportunity. However, the UK is against this because it wants the money for bank bailouts and nuclear toys. So what happens when it eventually does run out? Well, as it runs ou t, a 50% reduction does not exactly submit to a 50% fall in revenue prices will projectile and despite this possibly not boding well with the consumers, it will still boost the nations economy. In addition, it is possible we will score upon even more financially viable reserves which no one seems to account for in the horrifying statistics.If not, then we will just simply have to be a bit more economical and is Scotland not the perfect place to go green? We are geographically sound in terms of wave and wind energy. With the oil fund pot, that we will have if we go through with autonomy, we will be able to fully open the door into the renewable industry. This will propel us through any economic crises that may face us later down the line. And the country will be clean. However, if we do not go through with independence now, before our oil runs out, then yes, we probably have very little chance of independence being successful.I bet David Cameron would happily let us devolve after that. Scotland is not uniquely incapable of governing itself. We are not too wee. We have a larger population than the Irish Republic, Norway, Estonia, Lithuania, Latvia and Slovenia. We have approximately the same population as Denmark or Finland. In area, we are larger than Slovenia, the Irish Republic, Belgium We are approximately the same size as the Czech Republic or Austria. Plus, the Scottish parliament appears to be plugging away just fine and if all of these countries can manage on their own why cant we?People of Scotland, vote for independence while we can in 2014 After 300 years of a helpless bickering marriage, I think it is time for an amicable divorce. It happens every day. Sometimes it just does not work out and it is time that we all come to grips with that fact. 1 http//www. muzzerino. com/2011/08/truth-about-hbos-and-rbs-bail-out. html http//www. muzzerino. com/2011/08/truth-about-hbos-and-rbs-bail-out. html http//www. newsnetscotland. com/index. php/scottish-opi nion/4341-a-unionist-lexicon-an-a-z-of-unionist-scare-stories-myths-and-misinformation privation