Friday, February 14, 2020

Monsanto Company by Their Patent Agent, De Penning and Depen v Case Study

Monsanto Company by Their Patent Agent, De Penning and Depen v. Coramandal Indag Products LTD - Case Study Example Monsanto filed a lawsuit in India seeking both injunctive relief and an account for the infringement of its patents. The trial court decreed and the case was subsequently dismissed by the appellate court. The appellate court, however, certified the case to the Indian Supreme Court on the basis that substantial and complex questions of law were involved. On review, the Supreme Court disagreed that the questions were substantial, but nonetheless accepted the case to identify and to clarify the real issues presented by the underlying facts. The questions presented are essentially twofold with some subsidiary issues. The first question is whether Monsanto held a patent. The Supreme Court held that there was no patent. A second issue was whether, under the Patents Act 1970, the defendant had a basis to revoke a patent. This issue was comprised of two further issues. First, under section 64(e) of the Patents Act of 1970, was this process generally known and therefore subject to revocation The Supreme Court found that this process was generally known. Second, under section 64(1)(f) of the Patents act of 1970, did Monsanto extend and improve this known process by some "inventive step" The Supreme Court found no evidence of an inventive step and held that revocation was justified in any event. Â  

Sunday, February 2, 2020

Ecosystems and Trophic Levels. Tropical Rainforest Assignment

Ecosystems and Trophic Levels. Tropical Rainforest - Assignment Example There is an estimate that approximately 20 to 86 species of trees exist per acre of these forests. Trees lies in several vertical layers named as Emergent layer, Canopy layer, under story layer, shrub layer and ground layer (Davis, 2007). So scientists consider this area as species-richest biomes on this planet that is very unique due to its complex ecosystems. Food Chain: In tropical rainforest there are hundreds of interlinked food chains those when combined result in a complex and huge food web. Tropical rainforests food chain has four levels First level is dominated by plants, fruits, leaves, planktons etc Second level is made up by the herbivores (animals which eat plants) such as insects, small reptiles, nectar eating birds and some large animals such as monkeys, apes etc. Small carnivorous animals (meat eating animals) make the third level and these include rodents, and some small reptiles. Large carnivorous animals such as snakes make the fourth level. Last and fifth level is dominated by the large dangerous carnivores such as pythons, alligators tigers etc. Symbiotic Relationships and energy transfer within various levels: Life in tropical rainforest is difficult and there is a strong competition between different species. Hundreds of species have developed symbiotic relationship with other species in order to survive in such a highly competitive environment. In a symbiotic relationship both species are mutually benefited. ... Primary producers also named as autotrophs are the only living being which use the sunlight energy to convert carbon dioxide and water into carbohydrates (Pipe, 2008). Then comes primary consumers, which consume autotrophs and utilize their energy for their living. In this way energy is transferred from one level to next level. In energy pyramid third and fourth level is occupied by secondary and tertiary consumers. Secondary consumer depends on plants as well as on primary consumers for their energy requirement whereas secondary consumers (carnivore) feed on secondary consumers (Davis, 2007). As energy is transferred from one level to another, it becomes lesser in amount as some energy is lost as heat energy. Indeed only 1.2% of energy is transmitted to the next higher level in this energy pyramid. Decomposers or detritivores form the last level of energy pyramid. Detritivore include bacteria, fungi and virus. And these are the organisms which nourish on dead plants and animals and derive energy by decomposing these dead bodies. In this way they change the complex organic substances of the dead bodies into their simpler form that is further utilized by the plants to synthesize their food. In this way decomposers serve as a link between autotrophs and consumers. Decomposers also serve to clean the environment (Pipe, 2008). Human interference: This valuable resource of earth is under threat due to human activities. Extension in human settlements, need for the more and more agricultural land, construction of roads and need of wood have resulted in quick deforestation of this tropical rainforest. As a result of this deforestation large area has lost its vegetative cover as well hundreds of thousands of other species that inhabited or

Friday, January 24, 2020

Neisseria gonorrhoeae Essay -- Essays Papers

Neisseria gonorrhoeae Introduction Neisseria gonorrhoeae is the obligate human pathogen that causes the sexually transmitted disease (STD) gonorrhea. This Gram-negative diplococci/gonococci does not infect other animals or experimental animals and does not survive freely in the environment. The gonococcal infection occurs in the upper or lower tract, pharynx, ophthalmic area, rectum, and bloodstream. During the 1980’s gonorrhea was also referred to as â€Å"the clap† when public awareness was quite minimal. This was one of the venereal diseases prostitutes hoped to contract since it resulted in infertility by pelvic inflammatory disease (PID). As documentation, diagnostic testing, and public awareness improved, there has been a decline in incidence reports, however, it is still considered a very common infectious disease. Encounter Sexually active men and women of all races, ages, and socioeconomic backgrounds are susceptible to the gonococcal infection. However, out of the infected population, the CDC states 80% of the females and 10% of the males are asymptomatic. After incubation of five to seven days, males tend to display symptoms of swelling in the urethra, painful and more frequent urination, and abnormal penal discharge of a thick yellow exudate (pus). Similarly, females experience chronic abdominal pain, inflammation of the cervix, painful urination, bleeding or irregular menstrual cycles, fever and increased vaginal yellow discharge. Females have a higher risk factor of 60-90% of being infected after a single sexual encounter. Both sexes experience sore throat in oral infections if they are not asymptomatic. However, this response is most commonly mistaken as a viral sore throat. Entry Neisseria gonorrhoe... ...584.doi: 10.1046/j.1462-5822.2002.t01-1- 00215.x Park, Hae-Sun Moon, Wolfgang, Matthew, van Putten, Jos P. M., Dorward, David, Hayes, Stanley F. & Koomey, Michael. Structural alterations in a type IV pilus subunit protein result in concurrent defects in multicellular behaviour and adherence to host tissue. Molecular Microbiology 42 (2), 293-307.doi: 10.1046/j.1365-2958.2001.02629.x Soper, David E, Disseminated gonococcal infection. (Protocols). Contemporary OB/GYN. June 2002 v47 i6 p135(4) Bradbury, Jane. Neisseria gonorrhoeae evades host immunity by switching off T lymphocytes. The Lancet. Feb 23, 2002 v359 i9307 p681. Senior, B.W., Steward, W., Galloway, C., Kerr, M. Cleavage of the Hormone Human Chorionic Gonadotropin, by the Type 1 IgA1 Protease of Neisseria gonorrhoeae, and Its Implications. Journal of Infectious Diseases. Oct. 1, 2001 v184 i7 p9022.

Thursday, January 16, 2020

Importance of Research Essay

In sending a letter of inquiry, there are considerations that can be established to let the grantor consider the intent for research. The letter will present the main design of the research process which will use the correct psychological metrics in assessing the different attributes of characters. Basically, the first approach is to establish the reference for the identification of counseling techniques. The research will have a conclusive parameter in which the measurements will be undertaken when the actual data collection starts. This will at least create a platform in order to correlate the results of the study and the actual accepted standards used in the counseling industry. Since the main study involves counseling, there should be a standardized basis as to how to interpret client reactions. By the time the metrics are formulated, an actual data gathering will be done using the techniques of survey modeling. A random generation of respondents can be initialized using sampling methods on statistics. Depending on the scope of the study, a particular segment of the population may be used. For example, separate studies can be done according to gender, income, medical history and age. The survey will seek the impressions of selected respondents based on how counseling can influence their decision making capability. The subject will first undergo a counseling session with a designated psycho-analyst and will then be interviewed to get info about the effects of counseling to their attitude and perception in life. In terms of ethical considerations, the real approach of counseling will be used. Since the research will be looking for generative factor effects, then a credible counselor will be hired for the project. Of course, it would be unethical to provide counseling suggestions to the respondents based only on fictional approaches. It may induce them to actually modify their opinions which may create certain dilemmas in their lives. Another ethical aspect may involve the process of disclosing the research process to the respondents. It is very possible that they will provide personal details and opinions within the counseling activities hence compromising their privacy. In order to stay away from possible legal suits, the respondents may be informed of the research. Giving them the assurance of the credibility of the counseling results and their privacy will be of utmost importance. To persuade the grantor, related studies can be presented. Of course, these documents should present the positive outcomes of previous researches which have already made its way on implementing a decision based on the research results. It would be best to inform him that research establishes the technical aspect of proving or disproving a particular â€Å"guess† about a certain interest. No mater what the outcome would be, a research study will let an initiator to improve a certain goal or to divert its intention to prevent a possible contrasting scenario. Just like in the profession of counseling, a researched standard approach for specific clients can optimize the goal of assisting them in resolving their personal concerns. Practically, a research sustains the need for a good and quality knowledge. Even large scale educational institutions agree that research studies play an important role in knowledge development (IDS, 2008). A segmented report from the involved colleges and universities may be submitted to the grantor to inform him of the basic necessity for research studies. References IDS. 2008. Big Ten universities affirm research importance. Indiana Daily Student. Retrieved January 19, 2008 from http://www. idsnews. com/news/story. aspx? id=48060&comview=1

Wednesday, January 8, 2020

Extraction and Characterization of Bacterial DNA - Free Essay Example

Sample details Pages: 6 Words: 1765 Downloads: 1 Date added: 2019/03/18 Category Analytics Essay Level High school Tags: Characterization Essay Did you like this example? ABSTRACT: In this experiment, deoxyribonucleic acid (DNA) was extracted from Micrococcus lysodeikticus, a bacteria with a high guanine and cytosine content. The standard method of chloroform-isoamyl alcohol extraction was used, and the DNA was solubilized in Tris buffer. The DNA was then quantified and qualified using UV spectrophotometry. Don’t waste time! Our writers will create an original "Extraction and Characterization of Bacterial DNA" essay for you Create order The DNA was determined to have been extracted in relatively high amounts, but the purity was lacking, especially in regards to ribonucleic acid contamination. The hyperchromic effect was utilized to gauge the purity of the DNA. Future studies will focus on the ecologically safer and more efficient methods of DNA extraction. Key Words: Ribonuclease, RNA, DNA, DNA structure, bacteria. Deoxyribonucleic acid (DNA) is the genetic material inside of a cell. The code of nucleotide base pair sequences allows for the cell to translate messages into proteins that can be used in all parts of the cell. DNA is a double helix that is composed of rungs being the base pairs that are hydrogen bonded together, and a sugar phosphate backbone that is covalently bound together1. This structure gives the DNA the strength yet flexibility it needs in order to be able to unzip so that the genetic material it holds can be accessed2. The complementarity of the DNA molecule is truly what sets the molecule apart from others. Even if the DNA is denatured and the hydrogen bonds come undone, because each base pair binds to only one specific type of other base pair, this phenomena allows the DNA to spontaneously come together again. The base pairs will line up with their respective pair due to the energetic favorability of having as many hydrogen bonds as possible2. Because of DNAs importance as a biological storage molecule, accessing the DNA trapped inside of the cells has become a main avenue of research for scientists. Depending on the organism, different solvents and methods can be used to yield the highest amounts and most pure DNA. Even within the same types of organisms, there may be different challenges that arise from a specific species. Specifically in bacteria, different strains can have higher or lower G+C content3. Because the guanine and cytosine nucleotides are bound together by three hydrogen bonds as opposed to the 2 that bind adenine and thymine together, the G+C bonds are more difficult to pull apart. This means that harsher solvents may have to be used in order to adequately extract and solubilize the DNA. When the DNA is extracted, it can be denatured as a way to assess its purity. The hyperchromic effect is a phenomena that occurs when DNA is denatured so that the two strands of the double helix come apart and assume a formation that is random and coiled4. Because there is much more surface area in the randomly coiled DNA than the uniform and compact double helix form, the DNA will absorb substantially more UV light at a wavelength of 260nm. In this experiment, the DNA of Micrococcus lysodeikticus was extracted using a chloroform-isoamyl alcohol method and was precipitated using cold ethyl alcohol. Following this partial purification of the DNA, the DNA was quantified and qualified using UV spectroscopy. The hyperchromic effect was employed to ascertain the purity of the DNA by denaturing the molecule using high tempertaures. EXPERIMENTAL PROCEDURES The experiment was conducted as described by Boyer2. To begin the experiment, a set amount of freeze dried bacterial cells of the species Micrococcus lysodeikticus were massed out and suspended in a set volume of saline-EDTA in a 50mL Erlenmeyer flask. An aliquot of 10mg/mL lysozyme was added to the bacterial solution and was incubated at 37? °C for 30 minutes. After the incubation, an aliquot of 25% sodium dodecyl sulfate was added to the mixture and was heated at 60? °C for 10 minutes, after which the mixture was cooled to room temperature. The mixture was then added to a Nalgene centrifuge tube. An aliquot of 5M sodium perchlorate solution was added to the solution, followed by a generous portion of 24:1 chloroform-isoamyl alcohol. This mixture was then gently shook for 20 minutes with gloves on so that the proteins in the mixture could be separated out. The solution was then placed in a refrigerated centrifuge at 7800rpm for 5 minutes. The aqueous upper layer of the mixture was then carefully transferred into another container, where ice cold ethyl-alcohol was gently poured over it in generous amounts in order to precipitate the DNA. The nucleic acids were then spooled and transferred to a set volume of Tris buffer. Once a sufficient amount of DNA had been spooled, the aqueous DNA mixture was split into two portions. In one sample, RNAse was added and inverted to mix. Both samples were then stored in a 4? °C refrigerator for one week, and the rest of the procedure was conducted. Both the DNA with and without RNAse were used to make separate dilutions so that the Absorbance at 260nm was approximately 0.400. From both of the dilutions, 2mL aliquots were added to microcentrifuge tubes, and the two different types of DNA solutions were treated in the same fashion. One sample was kept at room temperature, one tube was denatured in boiling water for 10 minutes and then left to cool to room temperature slowly, and the other tube was denatured in boiling water for 10 minutes and then placed in an ice bath to cool to room temperature quickly. Absorbance values were gathered from the room temperature samples at 260nm and 280nm. The absorbance for the room temperature sample at 260nm was recorded again at the end of the experiment. The sample that was heated and allowed to cool slowly had the first absorbance recorded immediately after it was taken out of the boiling water. Another 260nm absorbance value was taken after the sample had cooled down to room temperature. The sample that was heated and cooled in an ice bath had its absorbance measured after it was at room temperature. To analyze the data gathered from this experiment, the following two equations were used to determine how much DNA was isolated. Equation 1. Determining the concentration of the DNA solution. Equation 2. Determining the amount of DNA isolated. As a point of comparison, the theoretical amount of DNA that could be isolated from the mass of cells used was determined using the following. Equation 3. Determining the theoretical mass of DNA. Next, the following equation was used to determine the percent of the cells weight that is composed of DNA. Equation 4. Percentage of cell weight that is DNA Then the purity of the DNA could be determined given the ratio of absorbance at 260nm to the absorbance at 280nm.This also lends insight as to what possible impurities could be in the DNA, such as protein or RNA (ribonucleic acid). The following equation demonstrates the change in the absorbance values at 260nm to reflect what occurred in terms of the hyperchromic effect. Equation 5. Percentage of change in the absorbance values. DNA mass (g) Theoretical DNA mass (g) Percent Cell Weight (%) A260/A280 Percent Change A260 for Hot RT (%) Percent Change A260 for Hot-RT RT (%) Percent Change A260 for Hot-Ice-RT RT (%) DNA 1004 1787 0.75 2.71 12.5 -4.44 6.77 DNA with RNAse 794 4.51 31.2 -6.98 25.9 Table I. Summary of results from the spectrophotometry data collected regarding the DNA and DNA with RNAse. Equations 1 through 5 were used to determine the values listed in the table below. RESULTS The results of the experiment are listed in Table I. The calculations were performed for both the DNA samples and the DNA with RNAse samples. DISCUSSION In this experiment, various quantities surrounding the DNA sample were determined so that the amount of DNA and the purity of the DNA could be assessed. This was possible due to the scientific knowledge of the structure of DNA. The theoretical and actual masses of the DNA were very close to each other, indicating that a sufficient amount of DNA was isolated and the isolation process was performed accurately. Additionally, the percent cell weight was the same as the theoretical cell weight of 0.75%. However, the ratio of A260/A280 values lend insight as to the purity of the DNA, and the ratio is much higher than the pure DNA value of 1.90. This suggests that the RNAse was ineffective at removing an adequate amount of the RNA. However, the A280 value used seems to be skewed, so that it unnecessarily inflates the ratio. Further spectrophotometry would have to be done using the same DNA in order to determine the most accurate ratio for the sample. The hyperchromic effect took hold for both the sample that was boiled and quickly cooled and the sample that was boiled and the absorbance value was immediately taken. There appeared to be a large effect from the speed cooling versus the slow cooling, which makes logical sense considering that the more time given to the DNA to arrange itself back into its complementary sequence, the more precise and accurate job that the intermolecular forces will do. However, if the DNA is cooled quickly, it does not have time to rearrange precisely. Rather, the DNA could get stuck in tangles and therefore absorb more UV light that the normal double helix. While the chloroform isoamyl procedure that was used in this experiment was effective, it is important to always strive for more efficient and/or more ecologically friendly alternatives to hazardous chemicals. In a study by Cheng and Jiang, the researchers developed a method of DNA extraction that allowed to cut the time it takes to extract DNA from microbes in more than half, and also eliminated the need for a separate cell wall lysing agent5. Another reason to be on the lookout for different procedures for DNA extraction is due to the blossoming field of microbiome research. In a study by Knudsen et al, the choice of DNA extraction methods influenced the data that was garnered about the population in the microbiome6. Therefore, microbiome researchers must be cognizant of how experiments early on in the project could affect assumptions down the line. Reasons such as these mean that science must always be advancing into newer and better techniques. REFERENCES (1) Yakovchuk, P.; Protozanova, E.; Frank-Kamenetskii, M. D. Nucleic Acids Res. 2006, 34 (2), 564â€Å"574. (2) Boyer, R. Modern Experimental Biochemistry, 3rd ed.; Roberts, B., Lake, J., Prescott, M., Eds.; Benjamin/Cummings: San Francisco, 2000. (3) Sanders, C. A.; Yajko, D. M.; Hyun, W.; Langlois, R. G.; Nassos, P. S.; Fulwyler, M. J.; Hadley, W. K. J. Gen. Microbiol. 1990, 136 (2), 359â€Å"365. (4) Lara Castellazzi, C.; Orozco, M.; Amadei, A. J. Phys. Chem. B 2013, 117, 8697â€Å"8704. (5) Cheng, H. R.; Jiang, N. Biotechnol. Lett. 2006, 28 (1), 55â€Å"59. (6) Knudsen, B. E.; Bergmark, L.; Munk, P.; Lukjancenko, O.; Prieme, A.; Aarestrup, F. M.; Pamp, S. J. bioRxiv 2016, 1 (5), 064394.

Tuesday, December 31, 2019

Faith Versus Facts - Free Essay Example

Sample details Pages: 2 Words: 646 Downloads: 1 Date added: 2019/03/22 Category Religion Essay Level High school Tags: Faith Essay Science vs Religion Essay Did you like this example? Science and religion: two of the most fundamentally contrasting notions, yet both attempt to explain and how we choose to live. Whether the discussion be about the ongoing debate about how the universe began or the unceasing chatter about Darwins Evolution, it is no wonder these themes seem embroiled in an endless state of war. However, King delves into them head-on, developing and presenting characters to the reader that are simultaneously fascinating and horrifying, but most of all, thought-provoking. Don’t waste time! Our writers will create an original "Faith Versus Facts" essay for you Create order Interestingly, many people of different religions and stages of scientific expertise see absolutely no contradiction. Many will merely acknowledge that the two utterly different foundations deal with dissimilar realms of human experience. Science investigates the natural, explainable world, whereas religion examines the spiritual and supernatural. In the novelCarrie, written by Stephen King, I found these concepts not only fascinating when juxtaposed, but also working in harmony to balance one another. Carrie, raised in an immensely religious household, possesses a rare scientific ability: telekinesis. As said in The Observer, I found this religious hindrance to be peerless imagination (1). The layers of depth that this central conflict contributes to the novel, provides a more realistic quality to its message. Although faith and fact may appear entirely opposing, King conveys that some amalgamation of both are necessary for personal and societal stability. Margaret, Carries mother, believes in the all of the notions of Christianity except for the aspect of community; not only does this lead to Carries instability, but also Margarets perpetual state of atonement. I find Christianity to revolve around the idea of communal integration; whether it be in Church or during prayer, there is always a feature of togetherness. However, Margret keeps all of religion to herself and Carrie: Momma held worship on Sundays, Tuesdays, and Fridays. These were called Holy Days. Momma was the minister, Carrie the congregation (61). By definition, a congregation is a group of people assembled for worship. I felt that solely having Carrie White embody the entirety of a congregation is a great offense towards the Christian faith. Furthermore, I feel as if this image plays into the power dynamic among Carrie and her Mother â€Å" Margaret stands while Carrie sits, Margaret prays while Carrie listens. Moreover, I believe Margaret distances herself from civiliz ation not only because she truly feels people are incompetent, but because they come from sin: ?the raven was called Sin, and the first Sin was Intercourse (63). Therefore, following Margarets logic, if intercourse is sin, then all people must be innately sinful. I find this to build off of the concept of original sin â€Å" a Christian belief in which humanity is inherently rebellious. Stemming from consuming fruit from the forbidden tree, original sin ranges from insignificant tendencies to something more drastic like collective guilt. In a sense, I feel Margaret believes she is living in a constant state of ultimate atonement â€Å" atoning for her own sins and everyone elses. However, I think the only way Margaret feels she can truly atone is by praying to her own god and not the communitys: The door slammed and the key turned. She was alone with Mommas angry God (67). When I first read this quote, I found it absurd for someone, especially Margaret, to have their own god. But on second thought, the idea is fairly common. Throughout the last 50 years or so, there has been a great emphasis put on the idea of a personal relationship with J esus. Likewise, our understanding of Christianity, of God, and of ourselves is significantly molded by an individualistic worldview motivated by the notions of me and my. Evidently, Margaret White boarders on insane. But the line that separates her irrationality from her Christian beliefs is so indistinct that it can be nearly impossible to tell the difference. Thus, I believe Margarets life has no space for joy, hope, or even happiness since every inch is clouded by doom.

Monday, December 23, 2019

Personal Statement On Personal Financial Advisors

As a student approaching the adult hood, it’s time to look for an occupation to begin my career. After long hours of thinking and researching different job titles, I have been focusing my attention on personal financial advisors. The occupation caught attention for it is one of the higher paid jobs in the business field. After going over certain aspects, skills, and qualities of my character, the job as a financial advisor fits into my interests, values, abilities, personality, and experience. The first question I ask myself is what do personal financial advisors actually do? According the Bureau of Labor Statistics (2015), â€Å"personal financial advisors provide advice on investments, insurance, mortgages, college savings, estate planning,†¦show more content†¦Ã¢â‚¬Å"Private bankers manage a collection of investments, called a portfolio, for these clients buy using the resources a bank, including teams of financial analysts, accountants, and other professionals† (Bureau of Labor Statistics, 2015). I chose to research this occupation because I know it has a big impact on the business community and those who pursue the occupation. I am currently pursuing a degree in business at The University at Albany. I don’t have much experience in the business field, but for now it is what I would like to pursue. The occupation seems to have some perks to it, holding a â€Å"High median salary of $89,160† (Daley, Tom, 2015). Financial advisor ranked No. 3 on the U.S. News and World Report Best Business Jobs. According to U.S. News and World Report, â€Å"On top of their salaries, many advisors also earn substantial bonuses at the end of the year.† Going beyond the money, which is in fact and important thing to me, I see this job as a good start to coming out of college with a degree. â€Å"Multiple career paths are available as a financial advisor,† Mr. Daley of Investment News said. â€Å"Large firms, small or mid-size branches or as an entrepreneur eventually opening a solo practice.† An asset to me, one import to fitting my lifestyle would be that the job is not â€Å"location specific.† â€Å"Financial advisors are needed in large cities andShow MoreRelatedMission Of The Company 41500 Words   |  6 PagesStrategy 8 D1. 4Ps 8 D2. Price List 8 D3. Promotional Strategy 8 D4. Sales Forecast 8 E. Implementation Strategy 9 E1. Overall Strategy 9 E2. Monitoring Plan 9 F. Financial Statements and Projections 10 F1. Forecasted Profit and Loss Statement 10 F2. Forecasted Balance Sheet 10 G. Financial Report 11 G1. Financial Projections 11 G2. Financial Position 11 G3. Estimated Capital/Investment Needs 11 â€Æ' A. Company Summary Suggested length of 4–6 pages B1. Industry History: Describe the history of the industryRead MoreBusiness Scripts1417 Words   |  6 PagesSystem AC571 Professor Jeffrey Pullen Introduction and Summary Susie calls to schedule an appointment with her doctor. She arrives ten minutes before her appointment and signs in. Since this is her first visit, she hands the receptionist her personal information. The receptionist inputs all her information in the computer and asks for her insurance card. Once that is entered, she then asks her to pay up front the visit fee. Susie pays the fee. She then takes a seat and waits to be called. Read MoreBuilding Up A Sustainable Wealth Management Or Financial Planning Profession1501 Words   |  7 PagesIn order to build up a sustainable wealth management or financial planning profession, many issues need to be taken into consideration and ethics is an important factor in this matter. We cannot deny that ethics plays an important role in this issue. According to Kohlberg’s stages of moral development, there are 3 classification levels of moral development, which are pre-conventional stage, conventional stage and post-conventional stage (Lawrence 1971). Under pre-conventional stage, it consistsRead MoreFuture Of Financial Advice Report1097 Words   |  5 PagesFUTURE OF FINANCIAL ADVICE REPORT INTRODUCTION: The Australian financial industry underwent a comprehensive overhaul in the administration of both financial based products and services introduced in July 2012 under guidelines referred to as the Future of Financial Advice Reforms, (Van Eekelen, 2014, p. 1.6). All avenues involving the dissemination of financial advice to clients have been affected by the new compulsory guidelines since July 2013. Under new guidelines, financial advisors need to maintainRead MoreCareer Planning At Arkansas State University1633 Words   |  7 PagesASU’s career services will review a student’s resume to ensure a he or she puts his or her best foot forward when applying for a position, or if a student does not have a rà ©sumà ©, they will help him or her develop a strong one. I have already had a personal experience with ASU’s resume reviewing last when I had my resume reviewed. Proofing my resume, the friendly staff offered helpful tips to strengthen my resume such as changing certain fonts and formats to better emphasize some of my skills, or addingRead MoreWall Street Journal: Analysis of Angels Investment Plan687 Words   |  3 Pagesï » ¿Introduction In this text, I analyze Angels situation in regard to access to the relevant investment/financial information necessary for him to manage the portfolio of stocks left behind by Maries uncle. Marie is Angels wife. The need for an experienced stockbroker and the role such a stockbroker could play in this scenario will also be analyzed. Discussion The relevance of the Wall Street Journal cannot be overstated given Angels desire to manage his own portfolio. The Wall Street JournalRead MoreLaw Case Study846 Words   |  4 Pagesconclude that it would be likely to result in serious harm to any of the individuals to whom the information relates. Who will be affected? The change in legislation will apply to any organisation that stores personal information of employees, clients or customers, credit reports and financial information, and any other information required to be kept secure under the Privacy Act 1988 (Cth). It also affects not-for-profit organisation with an annual turnover more than $3 million. If you have employeeRead MoreThe Board Of Directors Of Easter Seals North Ga Inc.1400 Words   |  6 Pageswith the approval and resolution of the Board of Directors of Easter Seals North GA, Inc. The â€Å"ERISA Committee† is established for the effective monitoring of 401 (k) retirement plans and hiring the service providers such as registered investment advisor or insurance company to fulfill the fiduciary obligations applicable under the Employee Retirement Income Security Act. COMMITTEE MEMBERS The Fiduciary Investment Committee shall consist of the following members: (1) CEO/ President (2) CFO Read MoreOrganizational Structure And The Organization789 Words   |  4 PagesOrganizations are founded on the basis that they want to accomplish a goal. Organizations differ from one another in various ways, and that is stated in their mission and vision statement as well as their goals. Every organization has a set pattern that helps to establish the structure on which it will accomplish the goal of the business. According to Prodanciuc, organizational structure is the fundamental concept that helps the organization be organized and administrated. The organizing takes placeRead More Becoming a CPA Essay1319 Words   |  6 Pagesskills and abilities to be a trusted business advisor to your clients or employer. They mean you feel comfortable with the latest technology. They mean you are an ethical individual who can provide an independent analysis. CPA’s are many things. They are chief financial officers for Fortune 500 companies and advisors to small neighborh ood businesses. They work for large and small public accounting firms. They are well-respected strategic business advisors and decision-makers. They act as consultants