Thursday, November 28, 2019

Ap Chem Lab Report Sample

Ap Chem Lab Report Paper After the experiment, the experimental mole ratio of alum to eater will be calculated and then compared with the accepted mole ratio. (This is 12 to 1). Theory If this lab if conducted properly, the unknown substance will be determined to be alum because of melting point, percent hydration and percent sulfate. The first test that will be run has the purpose of revealing the alums melting point. Melting is defined as, the temperature at which a solid turns into a liquid. The melting point will help determine if the substance is an alum if its melting point is around 92. 50 because this is the accepted melting point of an alum. Then, the eater will be evaporated from the substance, which will make it possible to find the percent hydration of the alum. A hydrate is a compound containing water: a chemical compound containing water molecules that can usually be expelled by heating. Anhydrous also will be a part of this lab because an anhydrous means to be with no water: describes compounds that contain no water, or crystals that lack chemically bound water of crystallization. The water will be expelled from the substance and begins hydrated but is then anhydrous because it will have no water in the end. We will write a custom essay sample on Ap Chem Lab Report specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Ap Chem Lab Report specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Ap Chem Lab Report specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Since the mass of the alum will be recorded before as well as after the water is evaporated, the two measurements will simply be divided (the larger as the denominator), yielding the percent hydration. Water of hydration is the amount of water present in hydrated compounds. The accepted mole ratio is 12 H2O moles to 1 mole of KAKI(ASS)2. The percent hydration and mole ratio will be another indicated if the substance is in fact an alum or not. The third test of alum will have the objective of finding the percent sulfate. In the experiment, alum will be mixed will be mixed with barium nitrate to yield barium sulfate: H2O + = But the sulfur reactions, combines with the barium to yield barium sulfate. This percent mass will be found also with the percent mass of barium sulfate and used to find the percent sulfate of the alum. This calculation can only be performed with the prior knowledge of knowing that the barium in the experiment is the excess reagent. This guarantees that the sulfate will all be combined with the barium in the right side of the reaction. This means that none of the sulfate will be left unpremeditated, allowing the mass of that sulfate in Basal to be the mass of sulfate in alum. If all of the sulfate reacts, the percent sulfate should be 40. 490. *H2O + Basal + K+ + AAA++ NON- In the above reaction, the aluminum and potassium quit their bonds with the sulfate. They abandon, so to speak, the sulfate, and become ionic substances (which explain the charges of the elements in the right side of the equation). Also, the barium abandons its bond with nitrate too, which makes the nitrate an ionic compound in the right side of the equation as well. The two substances left over, the barium and sulfate, combine to make barium sulfate. This barium sulfate will be used to calculate the percent yield of sulfate in alum. Then, after all three of these experiments with their respective calculations are preformed, the percent error of each will be found. Procedure Melting Point: 1 . A small amount of dry alum was pulverize by a mortar and pestle. 2. The alum was packed into a capillary tube to a depth of . CM. 3. Then, to pack the alum in the capillary, the tube was bounced upside-down on the lab table. 4. The capillary tube was fastened to the thermometer. 5. The thermometer was fastened to a ring stand. 6. The thermometer and capillary tube was then submerged into a beaker full of water and heated. As the temperature reached about 900 the heating was slowed or stopped. 7. As the first crystal melted, the temperature was recorded along with the point of all crystals melting. Determination of water hydration in alum 1. A Bunsen burner was set on a ring stand beneath a ring clamp holding a clay triangle. 2. The height of the ring stand was adjusted so that the bottom of the crucible was about LLC above the hottest part of the flame. 3. Then the crucible was heated well for about five minutes. . When the heating was completed, the crucible was cooled and massed. 5. Then about two grams of alum was put into he crucible. 6. With a lid covering most of the crucible, it was heated slowly at first, and then on high. 7. After the bubbling inside had stopped, the crucible was heated for about five minutes. 8. After the crucible cooled, it was massed. Determination of the percent sulfate 1. A filt er crucible was placed in a small beaker and dried in an oven over night. 2. Using an analytical balance, about 1. G of alum was measured and placed into the dried crucible. . This was then dissolved in a ml beaker with about ml of distilled water. 4. Approximately 50. Ml of . MM Baa(NON)2 was added to the solved alum, which was then stirred until the substance was dissolved. 5. The beaker was covered and heated near boiling point for about 15 minutes. 6. The filter paper was massed. 7. The mixture was poured from above into the filtration system. 8. Once the filtering was complete, the solution was filtered again. 9. The filter paper was removed and placed in a beaker to dry overnight. 10. The beaker was massed 24 hours later.

Monday, November 25, 2019

Mrs.Dalloway Rhetorical Analysis Essays

Mrs.Dalloway Rhetorical Analysis Essays Mrs.Dalloway Rhetorical Analysis Essay Mrs.Dalloway Rhetorical Analysis Essay Essay Topic: Mrs Dalloway Throughout the novel, Wolf employs chromatic imagery whilst describing the advancing society of modern London, portraying the lively mood of its citizens . During World War l, England faces a very dark time in its history. However after Armistice D ay, England goes through a very joyous time period full of life and technological advances. Woo Ifs chromatic imagery includes the recurring image of the red 5), as well as ma NY other color, including white, violet, red, deep orange(1 5), to describe the flowers of the SST ore that Claries sited in the beginning of the book. Later, Wolf employs a plethora of silver images to accentuate Calamaris home, along with Calamaris green dress and yellow ha t to accentuate her style. With all of these colors brightening up Calamaris life, the read easily assumes that Claries lives a joyous life brought on by her affluent life. Law 2 Ironically enough, Calamaris apparently vivid life actually possesses a very gloom my side as expressed in Calamaris gloomy tone. While Claries walks through her lively neighborhood to go buy her beautiful flowers, dark thoughts cloud her mind. She realizes her I joss of identity brought upon by her marriage which will result in her being Mrs.. Daylong; n tot even Claries any more; being Mrs.. Richard Daylong. (1 1) Instead of being happy that Clara as married an affluent man in her community, she seems to regret her decision. As the story progresses, Claries reveals that she fears she married Richard to achieve financial stability y, not her own happiness. This decision focuses on the modernist obsession to marry for fin uncial reasons instead of personal desires. Calamaris relationship with her daughter Elizabeth also faces corruption in the modern era. For a part of the book Elizabeth spends a lot of time with her history teacher, Mrs.. Kalmia, who dislikes Claries. This relationship between Claries and Kalmia places a strain on Calamaris relationship with Elizabeth. In addition, Claw risks continuously searches for a deeper meaning in her life; an answer she feels try Lully empty without. Claries worries that her materialistic desires and her obsession with mundane e things such as parties and appearances corrupt her life. So Calamaris intimate relationships tit her husband and daughter fragment in the midst of the modernist characteristics. Virginia Wolf employs a very unique writing style in Mrs.. Daylong by telling the story mainly through inner monologues. This writing style mixes true dialogue bet en characters and the inner dialogue with themselves, revealing the difference between what the e characters say and what the characters think. In many parts of the book, this creates a very strand GE situation. For example, when Peter and Claries first encounter in the book, Peter tells Clara as about his new eve but at the same time he thinks about how much he loves Claries. Like WI SE, Claries Law 3 discusses her happy new life with Richard, but later on second guesses her De concision to reject Peter. If the two simply spoke their minds, then they would not face such tragic c situations. Also, later in the book Richard wants to tell Claries how much he loves her, but he does not. Again, the reader knows how Richard feels, but Claries does not. Finally Septum s peaks nonsense throughout the novel, but he keeps a lot of what he wants to say trapped in hi s mind. If Lucrative longingly listens to Septum instead of claiming insanity, their relationship woo old blossom. Instead, Septum bottles up his emotions until he tragically ends his life. This further exemplifies the fragmentation of relationships during the modern era. Relation unships survive when partners can communicate, but due to the Modern eras Obsession with saving time, people create less intimate relationships with people since they do not spend as much h time getting to know each other. This emotional distance creates communication problems h arming the damaged relationship even further. Instead of splitting her novel into chapters, Virginia Wolf lets Mrs.. Daylong flow freely, just as a day does. However, she does split the day up into different it me periods usually signified by a bell or a clock. In the beginning of the novel, Big Ben strikes. (4) signifying the the time, and as the story progresses, more clocks remind the characters of t he time. This constant ringing throughout the story not only states the time, but it reminds the characters that time moves on. As they all worry about their appearances and their parties an d their relationships ND their hats, time continues to move forward. The ringing bell reminds the m of their mortality, awakening the mot do what they must do. It also brings them out of the state of reminiscing on memories and it reminds them to focus on the present instead of the past. D ruing the modern times, people advance so they can save time. Time becomes a valuable com oddity to people; so Law 4 valuable that they forget to spend time appreciating nature and appreciating people in their lives. The modernist obsession with time brought about the ultimate fragmentation f intimacy, because suddenly people did not have time to waste on other people. As humans advance, they begin to lose their connection with their fellow man . As they obsess over doing things quickly for themselves, they forget to spend time to gather. As they begin to fear what people may think of them, they avoid speaking their minds . As humans cease factories communications with each other, they begin to separate complete y. If people fail to create relationships with each other, then they will never create a relationship with his or herself.

Thursday, November 21, 2019

Essay Example | Topics and Well Written Essays - 250 words - 191

Essay Example Second, theological and national tensions that were not properly addressed fuelled the need to walk away from the bigger church to agitate for reformation (Viladesau, 2006). Similarly, the affirmation of a traditional medieval conception of interpreting most church activities meant that the Council of Constance was ignoring a lot of complaints from splinter groups. Another interesting reason was that the entire Roman Catholic Church papacy was Antichrist, thus, there was a need for committed believers to honour the prophecy by leaving the church. Alternatively, the Protestant Reformers under the leadership of Martin Luther condemned doctrinal policies that encouraged selling of indulgences such as particular judgment and purgatory in order to dominate the people. Respect for the ecclesiastical law, mandatory clerical celibacy, and censure of Antichrist Popes, therefore, became a critical aspect of splitting from the Catholic Church. Campaigns for Magisterial Reformation also played fundamental reason because most Protestant Reformers were now aligning themselves with humanity or lines of mysticism to affirm their radical positions against the papacy. Overall, the eventual excommunication was caused by discontent that was not given the necessary

Wednesday, November 20, 2019

Administrative law theories Essay Example | Topics and Well Written Essays - 1500 words

Administrative law theories - Essay Example Administrative law deals with the decision-making of administrative units of government that are part of a state regulatory scheme in such areas as international trade, manufacturing, the environment, taxation, broadcasting, immigration and transport. Administrative law extended greatly during the twentieth century, as legislative bodies world-wide created more government agencies to regulate the increasingly complex social, economic and political spheres of human interaction (Administrative law, 2006).Most countries that follow the principles of common law have developed procedures for judicial review that limit the reviewability of decisions made by administrative law bodies. Often these procedures are joined with legislation or other common law doctrines that set up principles for proper rulemaking (Administrative law, 2006). Administrative law may also apply to review of decisions of so-called quasi-public bodies, such as non-profit corporations, disciplinary boards, and other de cision-making bodies that influence the legal rights of members of a particular group or entity (Administrative law, 2006).While administrative decision-making bodies are often controlled by larger governmental units, their decisions could be reviewed by a court of general jurisdiction under some principle of judicial review based upon due process (United States) or fundamental justice (Canada) (Administrative law, 2006).... traditional view of administrative law is that it should aim to reinforce the rule of law, and ensure the liability of Executive government to the will of Parliament and, at least indirectly, of the people. However, in practice the courts sometimes thwart the will of Parliament while professing to uphold it. The trend of judicial activism in immigration law cases during the late 1980s and early 1990s exemplifies a open-minded view by the courts of the rights of refugees and other visa applicants which was clearly in conflict with the bipartisan view of Federal Parliament that a more restrictive approach was required. Every time the courts handed down a pro-rights decision, Parliament effectively nullified it by amending the Migration Act (Administrative law theories, 2000). Green Light Theorists versus Red Light TheoristsThe green light theory and red light theory were analysed in Harlow and Rawlings (1984) Law and Administration, Weidenfeld and Nicholson, London. The Red Light approach advocates a strong role for the courts to review administrative decisions. It considers that the function of law is to control the excesses of state. As Harlow and Rawlings put it: "Behind the formalist tradition, we can often discern a preference for a minimalist state. It is not surprising, therefore, to find many authors believing that the primary function of administrative law should be to control any excess of state power and subject it to legal and more especially judicial, control. It is this conception of administrative law that we have called 'red light theory' (Administrative law theories, 2000)." The Green Light approach considers that the function of administrative law is to make possible the operations of the state. It is based on

Monday, November 18, 2019

Formal analysis of a work of art Essay Example | Topics and Well Written Essays - 750 words

Formal analysis of a work of art - Essay Example Dressing Room is remarkable and representative of his mature work. Dressing Room is one of the Kuhn’s impressive and eye-catching realistic images of a theater performer in a quiet moment backstage. Fascinated by such persons who existed on the borders of society, Kuhn dedicated this image with an unselfconscious sexuality that was still uncommon in American art of the period1. In Dressing Room painting, a sparkling female stage performer who looks like a dancer stands in her dressing room and looks like she is ready to go on stage. She looks like a pensive female performer still in her costume with heavy 1920’s makeup. Behind her on the right side, there is a chair/sofa with a cushion. The left side composition of the painting shows a dresser and a clothing stand topped with hats. A partly obscured sign on the wall reveals that this is not a private room 1. This painting strikes the classic pose of the body conscious young female. She is standing with arms raised and hands behind her head and exposing her upper body. She is wearing a small and entertaining costume. Her short and dark hair is made folded with a bulky red bow. Her makeup is heavy and bold with dark blushes on the chick and deep red lipstick reveals that she has just finished her dress-up and now she is ready to go to stage to perform her task. It looks very clear from girl’s seductive extended pose that she has prepared for stage show but there is no emotion on her face and her eyes are empty and show her deep sadness and unwilling feelings which gives the idea that she is not so far involved in the job of performing for the enjoyment of men. The dressing room is a place for performers for the staging of character. The performer enters in the dressing room as its whole self and exits as a prescribed character that is intended to perform in front of audience. In this

Friday, November 15, 2019

Financial Literacy and Stock Market Participation

Financial Literacy and Stock Market Participation Kinar Timilsina THE RELATIONSHIP BETWEEN FINANCIAL LITERACY AND STOCK MARKET PARTICIPATION BY RETAIL INVESTORS IN NEPAL 1.1 Background 1.1.1 Financial Literacy Financial literacy is defined as education and understanding of various financial areas such as personal finance, corporate finance, financial services, public finance etc. It focuses on the ability to manage personal finance matters in an efficient and effective manner, and it includes the knowledge of making appropriate decisions about personal finance such as investing, insurance, real estate, paying for college, budgeting, retirement and tax planning. (Investopedia). Financial literacy alerts individual to save money for their retirement period. Investments in financial asset helps them to increase their future wealth. Lusardi Mitchell (2008) write more financially literate people are more likely to plan for retirement and as a result they accumulate more wealth thus they participate in stock market . Guiso Jappelli (2008), Kimball Shumway (2007), Lusardi Mitchell (2006, 2007), and Lusardi Tufano (2009) (in Calcagno Monticone, 2011) confirm that knowledge about basic financ ial principles in consumer and products is scarce and may not be sufficient to guarantee that individuals make sound financial decisions. Less knowledge of financial literacy means little knowledge of financial matters and terms related to them such as interest rates and risk minimizing techniques. Retail Investors who has little or no knowledge of finance, that is a person who is not financially sophisticated, is more likely to fall prey to high cost borrowing and pay a great amount of money to attainment different financial services (Lusardi and Mitchell, 2011) . The financially literate persons have more financial wealth (Lusardi, 2004). The leading to the financial crisis of 2007 was financial illiteracy . It is important for decision makers to integrate financial knowledge and skills with real life processes leading to better financial interests (Atkinson and Messy). 1.1.2 Stock Market Participation Share trading in Nepal dates back to 1937 when the flotation of shares by Biratnagar Jute Mills Ltd. and Nepal Bank Ltd commenced the share trading which were involved in opening plantations in Nepal . The establishment of a formal stock exchange took place in 13 January 1994 with the incorporation of the Nepal Stock Exchange (NEPSE), which took over the Securities Exchange Center Ltd. established in 1976. It currently has a membership of 2 market makers 50 stock brokers. As per the Securities Act 2007, rules and by-laws they operate on the trading floor. The Nepal Stock Exchange (Nepal) is the main stock exchange in Nepal. It is one of the modern stock exchanges in South Asia, providing a fully automated trading platform. NEPSE operates the market on the NEPSE Automated Trading System (NATS. It adopts the principle of an order driven market. NATS is used to purchase sell physical as well as dematerialized securities. The basic objective of NEPSE is to create without cost marketability and liquidity to the government and corporate securities which is done by facilitating transactions via market intermediaries such as brokers and market makers, etc. in its trading floor. The headquarters of the NEPSE have been situated at Singha Durbar Plaza, Kathmandu Nepal Nepal Stock Exchange is the only stock exchange licensed by the Securities Board of Nepal (SEBON). It was nearly 23 years ago that, formalized share trading commenced in Nepal under the Government of Nepal and trading was conducted under the rules and by laws formulated by the Association. It was only as recent as in 1994, that share trading in Nepal took a new turn with the establishment of a public trading floor and the introduction of the open outcry system of trading until 2007. In 2007, NEPSE moved to screen-based trading from open outcry by setting up Wide Area Network. It enabled stock brokers to be connected with NEPSEs server from their offices. The partial automation of stock trading has helped boost transaction volume. NEPSE has adopted a T+3 system. It implies that after 3 days of Trading, settlement of transactions should be done. The clearing and settlement procedures of the Nepal Stock Exchange were automated in 2011 with the establishment of the CDS and Clearing Limited. It is a company established under the company act promoted by NEPSE. The depository is known as the Central Depository System (CDS). CDS performs the role of central depository for Equity, Bonds etc. to handle these securities in dematerialized form. In 1994, an Over the Counter market for trading of unlisted shares was introduced for the first time in Nepal, Securities Exchange Center (SEC) managed the operation of secondary market over-the-counter facility. The delisted firms and state-owned corporations registers with the over the counter market (OTC) to allow trade of their shares. Shares without others finding out the price at which the transaction was done, can be bought and sold at the OTC market. Thus, the OTC market is less transparent than stock exchanges, and are also subject to fewer regulations in practice. The OTC market is rarely used to trades shares in Nepal. In 2012, shares of Nepal Bank Limited were traded in the OTC market for the first time where 71,928 Nepal Bank shares were transferred to its 2,664 employees that belonged to government. SEBON as the market regulator has been concentrating its efforts on intensifying statutory and legal frameworks which are the bases for the healthy development of Nepalese stock market. The main objective of SEBON is to flourish and safeguard the interest of investors by regulating the securities market, to supervise the entire stock market, sale and distribution of securities and purchase, sale or exchange of securities. SEBON provides licenses to stock exchange and securities business person. It also monitors the activities carried by stock exchange to know if they are in accordance with the laws, bye laws or not. As per the securities regulations the depository functions such as safekeeping, deposit, and securities certificates withdrawal and transfer of ownership/rights of the said instruments of Securities will be carried out by SEBON. Nepalese stock market is still underdeveloped and there is lapse that needs to be identified. Hence, the present study is conducted in order to f ind investors awareness and participation in Nepalese stock market. 1.1.3 Retail Investors in Nepal Investing Answers defines retail investors as an individual who purchases securities for his or her own personal account rather than for an organization. Generally retail investors trade in much smaller amounts than institutional investors such as pensions and mutual funds. Unfortunately, there is no data on the investors. But estimates are that there could be nearly 1 million retail investors (Ghimire, 2016) .The major problems of the stock market are unavailability of information, influenced by small number of large investors, insufficiency of legal rules and regulations, insufficient number of brokers and issue managers rumor based market, insufficient knowledge of investors etc. The retail investors are mainly driven by the rumor based market. (Dahal, 2010) . 1.1.4 Stock Market Participation and Financial Literacy While reviewing the previous research, I found that financial literacy can have direct implications on stock market participation by retail investors . People with low financial literacy are more likely to have problems with debt (Lusardi and Tufano 2009), are less likely to participate in the stock market (van Rooij, Lusardi and Alessie 2007), are less likely to choose mutual funds with lower fees (Hastings and Tejeda-Ashton, 2008), are less likely to accumulate wealth and manage wealth effectively (Stango and Zinman, 2007; Hilgert, Hogarth and Beverly 2003). 1.2 Statement of Problem There has been few research conducted on financial literacy in Nepal. Some of them are (Bharat Singh Thapa, 2015) College students have basic level of financial knowledge and their level of financial knowledge is determined by their family income, age, stream of education, type of college they study and their financial attitude. The study found that in basic level of finance, students are more knowledgeable while students are less familiar with bank credit, taxes, financial statement, insurance, and share markets. (Chaulagain, 2015) Financial literacy of individuals increases the likelihood of access to sustainable finance for identifying and consuming appropriate financial services competitively. The financial literacy is necessary but not sufficient condition for enhancing access to finance, neither it is a panacea for all the financial problems. Baidhya and Parajuli (2004) Awareness increase amongst the general public about the capital market, regarding nature of risk and return, through promotional campaigns, seminars, publications, and programs in FM/TV etc. In those research, they are focused about determinant of financial literacy and stock market awareness. In this research, we are concerned about the relationship between financial literacy and stock market participation by retail investors in Nepal. Probably this research has never been conducted in Nepal before. This research tends to meet the shortcoming of comprehensive measures of financial literacy and is linked with the economic outcome: Stock market participation by Nepali retail investors. 1.3 Research Objectives The main objective of this study is to find out the relationship between financial literacy and stock market participation by retail investors in Nepal and to measure retail investors financial knowledge. 1.4 Significance of the study The findings of this study will be useful to Nepal Stock exchange (NEPSE), Security Board of Nepal (SEBON), Policy makers, individual retail investors and different government agencies. With the help of my research, people will be able to know the impact of financial literacy on stock market participation by retail investors. My research will help the academic sector and business school students. Part of the core activity of the Securities Board of Nepal is investor education and awareness. As such the SEBON has a division to facilitates this divisions. Different financial awareness programs have been actively conducted over the years in diverse location. With this research, SEBON can formulate targeted financial literacy programmes, especially on stock market. 1.5 Limitation of the study There will certain limitation while doing this study . There is time constraint of 6 months Study is conducted in Kathmandu area only . The respondent while doing survey may not be willing to give the proper data 1.6 Research question/hypotheses Research Question What is the relationship between financial literacy and stock market participation by retail investors in Nepal? Hypothesis 1: Null Hypothesis: (There is no significant relationship between financial literacy and stock market participation by retail investors in Nepal.) Hypothesis 2: Null Hypothesis: (Gender, age, level of education and specialization on personal financial management has no impact on stock market participation by retail investor in Nepal) . 1.7 Theoritical framework       The theoretical framework is developed as it serves as a foundation on which the entire research is based . Investors awareness is referred as the investor literacy and updated information about the investment environment. InvestorsÃâ€" ³ exposure and information about the industry is measured by the level of awareness. Many research has been conducted in this area. some of them are: Paudyal (2010) Nepal particularly can learn from Indian market. India has formed National Institute of Securities Market (NISM) with huge physical infrastructure with the collaboration of industrial houses and different universities regarding investors education and awareness. Similarly, it can learn in the areas of the functioning of stock exchange central depository system of securities, instruments diversification, investors education and awareness building, adoption of information technology and opening the secondary market for NRN and foreign institutional investors (FIIs). Baidhya and Parajuli (2004) Promotional campaigns, seminars, publications, and programs in FM/TV etc. can be used to increase awareness amongst the general public about the capital market, regarding nature of risk and return. Volpe et al. (2002) Investors knowledge varied with peoples age, experience, education, income and gender. The online investors are more likely to be influenced by financial misinformation and manipulation. So, they should have more knowledge about stocks than normal investors to succeed in the securities market. Maditinos et al. (2007) Professional investors rely more on fundamental and technical analysis whilst individual investors rely more on noise in the market and newspapers/media when making their investment decisions. Jagongo and Mutswenje (2014) The very important factors that guide individual investment decisions were: reputation and firms status in industry, expected corporate earnings, expected divided by investors, and past performance firms stock. Luigi Guiso and Tullio Jappelli on Awareness and Stock Market Participation was conducted in 1995 and 1998. The objective of this study was a) to analyze the lack of awareness of financial assets (1995 and 1998) in Bank of Italy Surveys of Household Income and Wealth. b) to explore the determinants of awareness c) to find that the probability that survey respondents are aware of stocks, investments accounts and mutual fund is positively correlated with education, household resources, long- term bank relations and proxies for social interaction. Haliassos and Bertaut (1995) They investigated factors explaining financial education and finding among its results whether university education influences more weight in the decision to invest in the stock market or those with lower educational provision, preferring savings deposits as an investment option. Attanasio, Banks, and Tanner (2002) They studied about implications of limited participation in stock markets and the asset market. Their finding shows that a) the probability of having or invest in assets, is associated with factors such as age, and educational level b) the positive effect of higher education in the stock market tends to decrease over time. Roncallo (2009) In his findings, Colombian capital market was backward in comparison to developed countries, Latin American countries, and several Asian countries due to the lack of knowledge and awareness of the general public and businesses. And also, highlights that the creation of specially designed market such as the Centre for development of the capital market institutions, for the strengthening and development of this market, has failed to make a real impact on the target audience i.e. businesses and the general public, evidenced in the lack of knowledge about the importance and functioning of the capital market. (Chaulagain, 2015) Financial literacy of individuals increases the likelihood of access to sustainable finance for identifying and consuming appropriate financial services competitively. The financial literacy is necessary but not sufficient condition for enhancing access to finance, neither it is a panacea for all the financial problems. Baidhya and Parajuli (2004) Awareness increase amongst the general public about the capital market, regarding nature of risk and return, through promotional campaigns, seminars, publications, and programs in FM/TV etc. 3.1 Research Design A detailed outline of how an investigation will take place. A research design will typically include how data is to be collected, what instruments will be employed, how the instruments will be used and the intended means for analyzing data collected (Business Dictionary, 2016) . Descriptive survey research design will be used because research intended to explore the relationship between different variables which forms financial literacy and stock market participation by retail investors . 3.2 Population and Sample Size The population of study will be comprised of key players in the stock market, which includes investors, employees working in stock market and stock brokers. This study will be based in capital city Kathmandu, where stock market activities are concentrated and people get involved in share market from around the country. The sample size for study will be as per convenience-sampling technique and respondents will be selected as per their convenient accessibility. 3.3 Nature and Source of Data This study is both quantitative and qualitative in nature. It uses primary data obtained through questionnaires for analysis. Questionnaires are the most commonly used instrument in gathering and measuring qualitative data because they present the same questions to all respondents thereby fostering a comparable basis for assessment. 3.4 Instrumentation of Data Different statistical techniques will be used for analyzing data, which includes regression analysis and descriptive statistics . Graphs, frequency tables and charts were used for results 3.5 Models Specification The model that will be used in this study is based on the equation and econometric model adopted from Chong Lal, (2011) as below Y= ÃŽÂ ²0 + ÃŽÂ ²1 +ÃŽÂ ²2 +ÃŽÂ ²3 +ÃŽÂ ²4 + à ¢Ã‹â€ Ã‹â€  Where: Y = Stock market participation. ÃŽÂ ²o= constant term ÃŽÂ ²1 = Financial Literacy Score ÃŽÂ ²2 = Age of respondent ÃŽÂ ²3 = Gender of respondent ÃŽÂ ²4 = Income of respondent à ¢Ã‹â€ Ã‹â€ = disturbance term with an expected value of zero. The model helps better understand how the independent variables are related to the dependent variable and explored the form of their relationship. 3.6 Reliability and Validity of Data The research superviser and research expert of Business school will be requested to evaluate the applicability and validity of the research . Pre-test and re-test method will be done before the actual research . Bharat Singh Thapa, S. R. (2015). Financial Literacy in Nepal: A Survey Analysis from College Students. Financial Literacy in Nepal: A Survey Analysis from College Students, 26. Business Dictionary. (2016, 12 17). Retrieved from BusinessDictionary.com. WebFinance, Inc. : http://www.businessdictionary.com/definition/research-design.html CDS and Clearing Limited. (2011). Retrieved from CDS and Clearing Limited: http://www.cdscnp.com/ Chaulagain, R. P. (2015). Financial Literacy for Increasing Sustainable Access to Finance in Nepal. NRB Working Paper series, 18. Dahal, S. (2010). A STUDY ON NEPALESE STOCK MARKET IN THE LIGHT OF ITS GROWTH, PROBLEMS AND PROSPECTS. Kathmandu. Ghimire, S. (2016, December 8). Retail Share Investors In Nepal. (K. Timilsina, Interviewer) Investopedia. (n.d.). Retrieved from Investopedia: http://www.investopedia.com/terms/f/financial-literacy.asp Investopedia . (n.d.). Retrieved from NASDAQ: IAC: http://www.investopedia.com/terms/o/over-the-countermarket.asp Kathmandupost. (n.d.). Retrieved from Ekantipur: http://kathmandupost.ekantipur.com/news/2015-09-23/nepse-urges-otc-trade-of-shares.html NepalShareMarket. (n.d.). Retrieved from NepalShareMarket: http://www.nepalsharemarket.com/NepalShareMarket/NEPSE/Analysis/news/printerfriendly_news.aspx?news_id=NEW-003992 Securities Board Of Nepal . (n.d.). Retrieved from SEBON: http://www.sebon.gov.np/ The Himalayan TImes. (n.d.). Retrieved from http://thehimalayantimes.com/business/capital-market-may-need-another-exchange-to-spark-competition/ Wikipedia. (n.d.). Retrieved from Wikipedia: https://en.wikipedia.org/wiki/Nepal_Stock_Exchange

Wednesday, November 13, 2019

Lord Of The Flies :: essays research papers

In Leonard Adame’s poem, â€Å"Black and White,† he describes how the ruling minority of the whites treated blacks. The main idea of the poem is to tell the reader of that time, how the blacks were being treated. He uses great diction to describe the treatment. For instance he says, â€Å"they lay like catch in the plaza sun,† which helps the reader understand that the men were on the ground like fish in the sun. He also uses imagery, in which many words described in the poem refer to black and white.   Ã‚  Ã‚  Ã‚  Ã‚   The diction Adame uses tries to describe the relationship between black and white. For example he states, â€Å"photographers stare and snap at the dead men, at the keyboard of rifles above their heads.† These two lines describe the white photographers starring at the dead black men and taking pictures of them for the newspaper. The newspaper that the white photographers are taking pictures for is symbolic because it is made up of the colors black and white. He also uses a metaphor in describing the rifles taken from the dead men. He says, â€Å"Keyboard of rifles,† which describes the rifles all lined up like the keys on a keyboard. The diction he uses in this poem really lets you understand the differences between black and white in the African town of Rhodesia. The author uses great detail to describe his poem. For example he writes, â€Å" Rhodesia, sweaty flank of the world,† which lets the reader understand that Rhodesia is a hot place. He also writes, â₠¬Å"I read as quietly as they lay.† This means that he is reading as quietly as the dead Africans lay, meaning very very quietly. The detail the author uses helps the reader tremendously understand the poem and the setting it is in.   Ã‚  Ã‚  Ã‚  Ã‚     Ã‚  Ã‚  Ã‚  Ã‚  The structure of the poem is very easy to follow. The first stanza talks about the author reading and then says that the men were put as a lesson to others. Then in the second stanza it describes what the men look like. The third stanza states what a secretary says to the people. The final paragraph states the photographers surrounding and taking pictures of the dead men. The author does not use many sound patterns in this poem. He does use some near rhymes such as, â€Å" sweaty† and â€Å"quietly† or â€Å"lesson† and â€Å"sun†. He uses an onomatopoeia in the 21st line to describe the sound of, â€Å"snap† that the cameras made.