Is it worth investing in a pension (UK context) Dissertation

Is it worth investing in a pension (UK context) - Dissertation Example (Nader, 1991). As such, the overall importance of investing into pensions is critical from the point of view of maintaining a certain level of life style. It also ensures that the individuals have the sufficient funds apart from the State related benefits to maintain a very decent life style. (Lluberas, 2007). This is also evident from the fact that the overall pension funding gap is increasing rapidly every year and individuals require up to ?10,000 every year to fill that pension gap and the overall gap will be over ?300 billion per year.1 Trends also suggest that as the population ages, the overall ratio of people working to support the State Pension will decrease from 3.32 in 2001 to 2.44 in 2060. This decline in the overall number suggests that more and more people will be on the State Pension and as such the overall benefits may continue to decline due to the increasing pressure on the government to pay off State Pension to such large number of people every year. (Bonoli & Shin kawa, 2005) It is however, important to note that the different studies have suggested that the pension funds in which individuals invest for their pensions may not be performing well. Though most of the pension funds in UK achieved positive returns in 2010 however, considering the long term nature of such investments, it may be relatively arbitrary to conclude that the pension funds can provide sufficient and desired returns to ensure that the investors (individuals) will have sufficient pensions to live a comfortable retirement life. (Blake,2000) The choice of this topic has been mostly based on the assumptions that as the number of people grow and rely more on the State Pension, their overall standards of living may decline sharply when they are in the retirement age. Such sharp decline in the standards of living therefore requires that the people must consider investing into the Pensions from the days when they are earning higher amounts every year. (Cohen, 1981). A gradual cont ribution of the certain sum of money every year can help individuals to become more self sufficient in their retirement age. However, given the fact that the overall performance of the pension funds has not been up to the mark in recent times, a natural question arises as to whether it is rational to invest into pension funds? Could they provide the desired returns to the individuals when they are in retirement so that they can live a more comfortable life? Considering the above situation, the logical question also arises as to whether it is good to invest into pension funds? Can pension funds provide the desired level of returns over the period of time to ensure that they meet the objectives of the pension holders? The basic aim of this paper therefore is to explore and analyze the question of whether it is good to invest in pensions with special reference to UK market. This research project will also attempt to explore the question of whether the tax saving benefits can help the p ension industry, are there any factors which provide the incentive to save for the pensions considering the factors such as job mobility, with the stretching of the pension age by the government, what effect this could have on the overall planning for the retirement life of the

Securities activities of banks class Essay Example | Topics and Well Written Essays - 2500 words

Securities activities of banks class - Essay Example According to the 2008-2012, Global Economic Crisis report, interplay of a number of factors may have triggered this crisis. Some of those factors include high-risk mortgage lending rate, inaction by the financial systems’ regulators to enforce available financial prudence acts and laws which created a loophole that allowed some financial players to act and lend imprudently, untrue credit ratings given to investors by some financial system players to woe and attract investors, and valuation and liquidity problems in the banking systems of global economies. Its turbulences and ripple effects have been heavily felt by virtually all economies, both great and mighty, and fairly considered small ones.1 A number of research have been done in the line of global economic crisis delving into what may have been underlying factors that led to great global economic recession. Commissions of inquiries into causes of the global financial crisis have been constituted and reports have been raised on the possible factors that may have triggered the crisis. Levin-Coburn Report in particular investigates on causes of financial crisis and concludes that, the crisis that plunged many economies into collapse was avoidable if due diligence was followed by major players in the banking systems, especially the ones in the mortgage lending section. Prudence in mortgage lending and adept adherence to the financial regulations and acts could have certainly saved many financial economies from collapsing under the harsh effects of the global recession. To avoid failures by banks insinuated as possible reasons for the global economic crisis, financial regulators have tightened the existing regulations on le nding, liquidity and reserve requirements among others, and banks are now keener in how they handle credit risks. The concept of Asset securitization as a prudent risk management tool is finding global acceptance and many financial institutions concede that it could have

Investigate how a major event can influence the hospitality, travel and tourism industry Essay Example for Free

Investigate how a major event can influence the hospitality, travel and tourism industry Essay Executive Summary Within this report it outlines how a major event can influence the hospitality, travel and tourism industries. It will go into great detail about the chosen event and how this particular event impacted these industries, with topics such as what an event is, the chosen event in detail, and how this event impacted these industries. Table of Contents I. Methodology II. Introduction III. Findings IV. Conclusion V. References VI. Appendices VII. Bibliography Methodology After already establishing the basis of the theoretical view of this report, it is now required to reflect on how the evidence will be composed to support the theory and research within this report. There are a number of ways in which this research will be collected. Firstly it will be important to establish what an actual event is as well as definitions of the terms hospitality, travel and tourism. This can be done through secondary sources such as books e. g. Allen, O’Toole et al 2011, websites and newspapers. The chosen event will then show how it has impacted the hospitality, travel and tourism industries in Belfast as well as how the Northern Ireland Tourism Board had this planned as part of Northern Ireland’s preparation of making Northern Ireland a huge tourist destination. Introduction The subject matter of this report is too educate how a major event can influence the hospitality, travel and tourism industries, looking a single event in particular, so that the impacts are more in a personal tone rather than generalising to looking into events as a whole. Definitions will be given of what an event, hospitality, travel and tourism actually are. Topics will include information on the chosen event that will be discussed in greater detail, Belfast as a tourist destination, important impacts on the hospitality, travel and tourism industries. Benefits of a major event within a city. How a major event can impact on a city or destination improvements, and a brief incite into Northern Ireland’s Tourist Board’s plan for Northern Ireland to become a huge and popular tourist destination in the future. Investigate how a major event can influence the hospitality, travel and tourism industry. For this report I have chosen to research and ‘Investigate how a major event can influence the hospitality, travel and tourism industry. ’ The event in which I aim on investigating is the opening if the Titanic Signature Building. This report will explain in detail how the opening of the Titanic Signature Building influenced the hospitality, travel and tourism industries. Within this report you will be introduced to the main question of this report. Topics will include talking about the building itself, its visitor numbers, Belfast as a tourism destination, the impacts the building had on Belfast’s hospitality, travel tourism industry. â€Å"The hospitality and tourism industry is a multi-billion-dollar industry with 700 million international travellers per year around the world,† said Zainal (2012) in his book, ‘Current Issues in Hospitality and Tourism: Research and Innovations. ’ According to the oxford dictionary the exact definitions of what an event, hospitality and tourism actually are. â€Å"An event is described as a thing that happens or takes place, especially one of importance, a planned public or social occasion. † â€Å"Hospitality is the friendly and generous reception and entertainment of guests, visitors or strangers. † And the definition of tourism is the â€Å"temporary movement of people to destinations outside their normal places of work and residence, the activity undertaken during the stay in those destinations, and the facilities created to cater for their needs. † According to Northern Ireland Tourist Board (NITB) the Northern Ireland vision is, ‘To create the new Northern Ireland experience and get it on everyone’s destination wish list. ’ As the well-known slogan for Northern Ireland 2012 was that â€Å"Northern Ireland 2012 is our time, our place† This means that NITB have stated that they think Northern Ireland is a rising tourist destination. And that Northern Ireland is trying to offer a unique way to be involved and to celebrate. And we as a city need to take our story to a wider audience. So as part of this transaction to take ‘our story’ to a wider audience, the Titanic signature building project started. Shone and Parry (2010) said that â€Å"for a town or city wishing to become a tourist destination, elements such as attractions, accommodation, transport, infrastructure and facilities must be present. † Belfast has been in the middle of this process over the past few years, and especially as 2012 was meant to be ‘our time, our place’ Belfast certainly lived up to this. And a huge part was the titanic signature building. The Titanic Signature building is the world’s largest Titanic visitor attraction 400,000 visitors were expected to visit the building per annum 900,000 per annum footfall through the building. Within the first 6 months, 500,000 people had already visited Titanic Belfast. â€Å"One of the most important impacts is the tourism revenue generated by an event. In addition to their spending at the event, external visitors are likely to spend on travel, accommodation, and goods and services in the host city. Titanic Belfast was part of NITB’s plan to attract visitors to Belfast and Northern Ireland with a consequent increase in revenue, which will generate jobs and income. Based on projected visitor numbers its one off the most expensive buildings of its kind in Europe. It cost ? 77million to construct, with most of the funding (? 60million) coming from the public’s wallet. Mike Smith, the chief executive of the building said that, â€Å"We think the building is good value for money. † The opening of the Titanic Belfast produced instant employment benefits as it was estimated that 200 people would be needed to work in the building. The projected increase in visitor numbers, from within the UK and Ireland as well as internationally, will lead to a corresponding demand for local hotels and services, therefore generating job opportunities in the construction and hospitality sectors. Allen, O’Toole et al 2011, talked about how a major event has potential to bring ‘new money’ into Belfast from outside visitors. â€Å"The role event tourism is required to play in a destination’s tourism development efforts will vary according to the overall tourism strategy that is being pursued. † (Allen, O’Toole et al 2011) Belfast is now a popular short-break destination and one of Europes top visitor destinations. In 2006, Belfast had 6. 8 million tourists compared to 2011 when we had 7. 86 million tourists. There was quite a number if impacts the opening of Titanic Belfast had on tourism on not only Belfast but Northern Ireland as a whole. The Titanic Signature building is located only 5 minutes from the city centre, so therefore this increasingly popular tourism attraction is not difficult to travel to, there are buses to the Titanic Quarter every 10-15 minutes from the City Centre. It is also within walking distance. The city centre is always crowded with tourist companies who are there to promote tours of the city, these tours run every day and very frequently, they seem to be every popular and since the opening of the Titanic Signature Building, a new tour opened up that was solely about the Titanic alone and it’s attractions. â€Å"Events add to the range of experiences a destination can offer, and this then adds to its capacity to attract and hold visitors for longer periods of time. † (Getz and Wicks 1994) Since the opening of the Titanic Building, this saw Belfasts biggest jump in hotel occupancy in March 2012 in nearly a decade and a 12% year on year hike in revenues. Then in April saw the year on year occupancy in Belfasts leading hotels increase by 25%, the average is usually are 15% over April 2011. Belfast’s PWC partner Stephen Curragh said, â€Å"Overall, 2012 has been a successful year for Belfast hotels thus far, but it is off a very low base and will require sustained visitor numbers to bring Belfast back to pre-downturn levels of profitability. † Allen, O’Toole et al (2011) said that events can also provide a significant spur to both public and private investment in a destination. Large scale events can play in destination renewal and in the later development of a destination’s attractiveness and capacity as a tourist destination. NITB have identified excellent events and business tourism as two of their winning themes with the potential to deliver competitive advantages for Northern Ireland as part of their tourism Strategic Framework for Action 2004-2007. NITB said, â€Å"Note for the Excellent Events theme, research confirms that events are an effective tool for changing perceptions and attracting visitors. † Opportunity 2012 2013 2014 2015 Total Additional Visitors 150,00 333,000 200,000 150,000 833,00 Additional Revenue ?24 million ?52 million ?34 million ?30 million ?140 million Created Jobs 612 1,326 867 765 3,570 This table, which can be found on NITB’s 2012 guide, shows NITB’s goal for the future, which is to increase tourism spend to ? 1 million by 2020 and to increase visitor numbers to 4. 5 million by 2020 It shows NITB’s plan in more detail. In 2013 their plan is at its peak by expecting to have 333,000 additional visitors into Northern Ireland which will then create 52 million additional revenue and will generate 1,326 extra jobs in Northern Ireland. Events can affect the hospitality, travel ; tourism industries in many ways. In Belfast due to the opening of the titanic building we have shown you that there has been quite a high incline in Belfast as a tourist destination. Overall we found that the Titanic Building has had an positive impact on hospitality and tourism in Belfast. â€Å"2012 is about changing global perceptions and trying to get tourists to come to Northern Ireland,† Arlene Foster.

Genetics and Linguistics in Mesolithic-Neolithic Transition

Genetics and Linguistics in Mesolithic-Neolithic Transition Introduction Population movement may be utilised to reconstruct activities during the Mesolithic-Neolithic transition. Recent research particularly that relating to genetics and isotopic analysis, has been employed to assist in this tracking of movement, though issues with this process have arisen, as will be discussed below. Generally when analysing the transition archaeologists have tended to focus primarily on a change in economy, compiling set criteria which indicate either Mesolithic people or Neolithic people, and leaving very little room for additional interpretations. Though efforts are now being employed to allow for other interpretations. The scientific approach, encompassing both genetics and linguistics, when combined with archaeological methods can provide a window into human movements during the Mesolithic-Neolithic transition. Linguistics clearly would have constituted a huge element of culture and social differentiation from other groups or ethnicities (or inclusion within your ow n group), though evidence of linguistics is vague and circumstantial at present. The archaeology of the transition has been the main focus, which is likely because it is the most tangible evidence which remains. However it is important to remember that this is also subject to the bias of interpretation. While addressing the benefits and draw backs of genetics and linguistics we need to remain aware of the general questions surrounding the Mesolithic-Neolithic transition. Was the transition the result of a movement of farmers, foragers who adopted farming or was it a combination of the two? At what speed did the transition occur, was it a gradual or rapid affair? Furthermore the classification of the Neolithic package, which refers to, agriculture, domestic animals, polished stone tools, pottery and settlement, are also often questioned. This is directly linked to the question of what we classify as Mesolithic or Neolithic. The recent trend has focused primarily on the mosaic nature of the transition, examining it in a very detailed manner. While this is a valid method archaeologists must be consistently conscious that results derived from individual sites do not necessarily represent larger scale activity (Robb and Miracle, 2007). Genetics, Archaeology and Mobility during the Mesolithic-Neolithic Transition: Past genetic processes have embedded specific signatures in the genes of modern populations. Therefore genetic data has the capability to further inform our knowledge of the transition. Increasingly archaeologists have accepted the importance of acknowledging the variety, messiness and localness of the Mesolithic-Neolithic transition in direct contrast to those looking specifically at the bigger picture. Amongst those looking at the larger scale view are geneticists and scientists (Cooney, 2007). The study of genetics, is the science of hereditary and variation in organisms, Y Chromosome (male) and Mt DNA (female). The following section refers to the term haplotype which is a set of closely linked genetic markers, it is half of a genotype, which is the specific allelic composition of a cell. An allelic is one or more forms of a gene (Everything Bio 2007). Genetic evidence generally includes mitochondrial, Y chromosomal and classical marker evidence derived from modern populations. One of the main issues to be considered when reviewing the data from genetic research is the relatively small data sets in addition to distinguishing patterns within the genetic DNA of modern populations when using them to determine ancient DNA patterns. Nevertheless the modern composition of the European gene pool appears to reflect these early colonising movements more strongly than any other demographic event in prehistory. It has been estimated that around 85 per cent of European mitochondrial sequences probably originated in the upper Palaeolithic of Europe. There have been a number of issues identified with early attempts to use DNA to track mobility of ancient peoples. These were primarily to do with contamination. However it must also be considered that this form of data is statistical and often is recorded and then displayed in huge quantities which in turn complicates the process. Y chromosome is the male line and the mitochondrial DNA is the female line. There is also the additional problem of time depth, as while it is possible to retrieve genetic patterns it is important to note that they are not defined or distinguished in terms of period of existence. So movement of people represented in the data reflects not just the Mesolithic-Neolithic transition but also movement of people in the time since then, such as during the Roman period (Zvelebil 2008). Data from protein markers (sometimes called classical markers) are still more abundant than are data from DNA, although this situation is rapidly changing. Molecular genetic markers have provided previously unavailable resolution into questions of human evolution, migration and the historical relationship of separated human populations. Different evolutionary models are relevant to the different continents. Migration can profoundly affect genomic variation within a population. For most populations are rare exchange of marriage partners between groups occurs and an average of one immigrant per generation in a population is sufficient to avoid fixation of alleles. However, sometimes a whole population (or a part of it) may migrate and settle elsewhere. Thus the frequencies of alleles among the founders of the new population will differ from those of the original population and will inevitably differ again from those among which it settles. The genetic effects of early forager farmer intermarriages would have multiplied themselves through the hundreds of human generation since the Neolithic. Genetic models that tracing backward from modern populations tend to be highly sensitive to relatively small between hunter gatherers and farmers. For example geneticists studying the y chromosome in modern Europeans often argue that Neolithic farming spread primarily through demic diffusion or the migrations of the farmers themselves. In addition geneticists, while studying mitochondrial DNA in modern Europeans, have suggested that there is a large Palaeolithic component in modern Europeans. Thus because the Y chromosome is inherited strictly along the paternal line and mtDNA is inherited maternally, it may be the case that small groups of Neolithic men intermarried with indigenous women. An ancient DNA study appears to support this in that a particular mtDNA haplotype n1a found in early Neolithic female skeletons is comparatively rare among modern Europeans (Bentley 2007). LBK farming, rather than arriving as a wave of advance, is thought to have leap froged from the North East to the Mediterranean. Theories surrounding the movement of LBK farmers tend to suggest that they could move an entire village society 20km or 30 km in a decade but that it would take foragers much longer than this. Foragers are thought to have been mobile over larger territories, for them a distance of 50km may be considered as one journey between one foraging group to the next, but they would encounter many more settled farmers along the way (Robb and Miracle, 2007). It has been proposed that the spread of farming increased local population densities, causing demic expansion into new territory and diffusive gene flow between the Neolithic farmers and Mesolithic groups (Sokal, 1991). It is likely that different regions must have experienced different blends of cultural exchanges and migratory movements. Researchers have the ability to test the effect of factors such as, prehistoric population sizes, rates of gene flow, and mutation rates, on the likelihood of different scenarios. In the near future, they will also allow users to integrate information from the growing body of ancient genetic diversity, in addition to the broad modern data sets (Cavalli-Sforza and Feldman 2003). Demographic growth in the well identified, specific areas of origin of agriculture must have stimulated a continuous peripheral population expansion wherever the new technologies were successful. Demic expansion is the name given to the phenomenon (that is, farming spread by farmers themselves) as contrasted with cultural diffusion (that is, the spread of farming technique without movement of people). Innovations favouring demographic growth would be expected to determine both demic and cultural diffusion. Recent research suggests a roughly equal importance of demic and cultural diffusion of agriculture from the Near East into Europe in the Neolithic period. Molecular studies using mitochondrial DNA, Y chromosome DNA and nuclear DNA differ in their assessment of the contribution of near eastern farmers to the European gene pool. Some mitochondrial DNA studies suggest that the contribution of near eastern farmers to the European gene pool is about 20%, a similar percent 22% is suggested by a y chromosome study. However the same data was re-examined by Chikhi et al. Who found that by using a different methodology, they resulted with an average contribution of between 50% and 60% from near eastern farmers to the European gene pool. Estimations depend not only in the markers employed but also on the model used and its inherent assumptions. Nuclear DNA studies support a European gene pool. Thus many genetic studies d to support the idea of demic diffusion at some level but there is still a lack of consensus with regard to the percentage of the contribution of early near eastern farmers to the European gene pool (Pinhasi et al, 2005). Linguistics and Archaeology, during the Transition Human languages are an integral aspect of behaviour and culture. Phylogenetic trees are constructed from linguistic elements, portray the evolution of languages (Pagel 2009). There is generally a strong correlation between genetic tree clusters and language families. It is likely that language shifts have become more common recently as a result of massive colonisations made possible by development of mobility due to developed infrastructure, transportation and colonisation. In Europe during the nineteenth century much of the archaeological focus of the transition was directed towards classification and sequences of economy. Around the middle of the nineteenth century the whole study of the subject entered a new phase which was linguistic rather than archaeological. It was by now generally assumed that the similarities in the different Indo-European languages were to be explained by their derivation from a single ancestral language, older than Greek or Latin or Sanskrit (Renfrew 1990, p 14). This proto-Indo-European could be reconstructed by studying what was common to specific cognate words in the different languages. Renfrew discusses Childes extreme views published regarded superiority in physique and the vehicles of a superior language (Renfrew 1990, p15-16). Marija Gimbutas has located the Indo European homeland in the Steppes of South Russia. She refers to Kurgan culture and states that it is the last candidate for a Proto-Indo-European homeland based on the common words compiled to reconstruct the original ancient language. Renfrew has difficulty with this as it is still dependent on the construction of the mother language. Renfrew also highlights the problem of how to explain the historical circumstances within which languages would be replaced? Taken in isolation neither archaeological nor genetic evidence can shed much light on the linguistic identity or ethnicity of the colonising population although when combined together some suggestion can be made. It is generally assumed that the western population were either rare indo-European or proto indo-European setting the stage for North central Europe as the homeland of indo Europeans. Large sections of this population in northern Europe would have to adopt indo European speech subsequently from indo European farming groups penetration central Europe from the near east and east Mediterranean as suggested by Renfrew and modified for temperate and northern Europe. Another key figure within the field of linguistics is Oppenheimer. In his text The Origins of the British (2007), he has suggested of Celtic origin, that neither Anglo-Saxons nor Celts had much impact on the genetics of the inhabitants of the British Isles, and that British ancestry mainly traces back to the Palaeolithic Iberian people, now represented best by Basques. He also argued that the Scandinavian input had been underestimated. It has also been put forward that geography and climate have had an influence on the genetics and culture of Britain (Oppenheimer 2007, 21-26). Languages, like genes, provide vital clues about human history. As mentioned already the origin of the Indo-European language family is the most intensively studied, yet still most recalcitrant, problem of historical linguistics. Numerous genetic studies of Indo-European origins have also produced inconclusive results (Gray and Atkinson 2003). Glottochronology is an approach in historical linguistics for estimating the time at which languages diverged, based on the assumption that the basic (core) vocabulary of a language changes at a constant average rate. This term is sometimes interchangeable with lexicostatistics though the latter refers to statistical manipulation of lexical material for historical inferences and is not necessarily associated with dates (Campbell, 2004). It is not usually accepted as a valid methodology, as it has certain inherent issues. The derivation of modern languages mostly or completely from a single language spoken in East Africa does not mean that this was the only language in existence at the time. When analysing Indo-European language data, the following are often included: the ancient Celtic language of Gaul (modern France), within which is a split between Gaulish (Continental Celtic) and the British form (Insular Celtic), with Insular Celtic subsequently splitting into Brythonic (Welsh, Breton) and Goidelic (Irish and Scottish Gaelic). Taken together, the network thus suggests that the Celtic language arrived in the British Isles as a single wave (and then differentiated locally), rather than in the traditional two-wave scenario (P-Celtic to Britain and Q-Celtic to Ireland). In 1786 Sir William Jones discovered remarkable similarities between Sanskrit, Greek, Latin, Gothic, Celtic, and Persian, indicating a common source for these languages, possibly Indo-European language. Then in 1863 Schleicher proposed an evolutionary tree of descent for the Indo-European language family, followed by Charles Darwin who introduced the evolutionary tree concept to the descent of species. Schmidt (1872) published the wave model which denotes that distinct languages increasingly acquire similarities through borrowing. More recently it has been proposed to unite these two models into a single network diagram of language evolution (Forster and Toth, 2003). Conclusion Simple explanations at odds with a complex human history Critique: complex data, requires degree of manipulation to display How does this relate to and affect archaeology? And what we know about mobility and migration during the transition? Confusion between names and genetics. Ancient dna NIa very rare in Europe, haplotype, example that lineages do die out and not all colonisation works. This is further complicated when you look at animals. Cattle and pigs are descendnt fomr the north east but pigs are descendant from a combination of north west domestication. Bear deliberately introducted to Ireland. The past decade of advances in molecular genetic technology has heralded a new era for all evolutionary studies, but especially the science of human evolution. Data on various kinds of DNA variation in human populations have rapidly accumulated. Haploid markers from mitochondrial DNA and the Y chromosome have proven invaluable for generating a standard model for evolution of modern humans. Co-evolution of genes with language and some slowly evolving cultural traits, together supports and supplements the standard model of genetic evolution. The advances in our understanding of the evolutionary history of humans attests to the advantages of multidisciplinary research (Cavalli-Sforza and Feldman 2003). Reference List Bentley, R.A. Price, T.D. and Stephan, E. (2004) Determining the local 87 Sr/86 Sr range for archaeological skeletons a case study from Neolithic Europe, in Journal of Archaeological Science 31, 365-375. Bentley, A. 2007 Mobility, specialisation and community diversity in the linearbandkermik: isotopic evidence from the skeletons, proceedings of the British academy 144, 117-140. http://www.everythingbio.com/glos/definition.php?ID=3035 Campbell, L. 2004 Historical Linguistics An Introduction, Great Britain: Edinburgh University Press p201 Zvelebil, M. (2008) Innovating hunter gatherers: the Mesolithic in the Baltic. In: Baily G. And Spikins, P. (ed.) Mesolithic Europe, New York: Cambridge University Press, pp 18-59. Gray, R. And Atkinson, Q.D. 2003 Language-tree divergence times support the Anatolian theory of Indo-European origin, Nature Reviews Genetics, 426, 435-439, online, accessed 20/03/10. Pagel, M. (2009) Human language as a culturally transmitted replicator, Nature Reviews Genetics, 10, 405-415, online, accessed 23/03/10. Forster, P. and Toth, A. 2003 Towards a phylogenic chronology of ancient Gaulish, Celtic and Indo European, proceedings of the national academy of sciences of the united states of America, online access 28/03/10. Renfrew, C. 1990 Archaeology and Language: the puzzle of Indo-European origins Cambridge University Press: united kingdom, 14-20. Cavalli-Sforza, L. And Feldman, M. 2003 The Application of Molecular Genetic Aproaches to the Study of Human Evolution, in Review Nature Genetics 33, 266-275. Oppenheimer, S. 2007 The origins of the British: a genetic detective story, Robin Publishing: London, pp 21-26. Barbujani, G and Chikhi, L. 2006 DNAs from the European Neolithic in Heredity 97, 84-85, online, accessed 20/10/10. Cooney, G. (2007) Parallel worlds or multi-stranded identities? Considering the process of going over in Ireland and the Irish Sea zone. In: A. Whittle and V. Cummings (Ed.). Going Over: the Mesolithic-Neolithic Transition in North-West Europe,London: British Academy pp. 543-566. Robb, J. And Miracle, P. 2007 Beyond migration versus acculturation new models for the spread of agriculture, Proceedings of the British Academy 144, 99-115. Sokal, R. Oden, N. And Wilson, C. 1991 Genetic evidence for the spread of agriculture in Europe by demic diffusion, in nature 351, 143-145, online accessed 22/03/10.

A Visit to A Mosque In America Essay -- Descriptive Religion

A Visit to A Mosque In America Driving along the highway, all eyes are drawn as a magnet to the unique building with its golden dome and unusual architecture. The Islamic Center is located at the base of a residential street in a small neighborhood. The center houses an Islamic school, a community center, an international school and the Mosque, which is the place of worship for Muslims. There are many misconceptions regarding Islam and Muslims. In reality most Muslims are non-Arabs and most live outside the Middle East. There are five million Muslims in the United States. There are an estimated 10,000-15,000 Muslims in the area. Passing through the wrought iron gate, my eyes rivet to the cluster of flags to the right, one to reflect each of the 49-predominately Muslim countries. The United States flag is not among these as America is predominately Christian with Muslim being the third largest religion. Because America is our country and we are American Muslims, the American flag flows freely in the wind in a spot all its own. Next my gaze is drawn upward to the golden dome and crescent moon covering the Mosque. Many non-Muslims are of the belief that Muslims pray or worship a "moon god". We do not. We believe in the same God as Christians and Jews. We believe in the ‘oneness of God', the Creator of Abraham, Moses, and Jesus. The crescent moon reflects our practice of adhering to the lunar calendar, or God's calendar, rather than the Georgian calendar, or man's calendar. This is why many Mosques will have a crescent moon topping the domes. Each of the buildings is individual yet connected by covered walkways known by all who enter here as ‘bridges'. The Islamic Center community building holds cl... .... For a Muslim, Friday is the holy day and special services are held in early to mid-afternoon. The Mosque is open seven days a week and available for each of the daily prayers. Reflecting as I exit the wrought iron gate into the neighboring street, I see Muslims and Christian children playing together. I see a sign inviting everyone to an upcoming feast being held at the Community Center. I come to realize the many similarities between the Muslim and Christian faiths. The Islamic Center offers a great opportunity for non-Muslims who are curious about the faith and would like to know and understand more. The Islamic Center is open to the public for tours. At this time over 40,000 people have toured this facility. Set aside a couple of hours of your time to experience this unique community and enrich your cultural awareness. Schedule a tour for yourself.

Justice :: essays research papers

Justice Should the strong be required to support the weak? How does society "distribute" wealth among its members? These are the questions. There are three basic sides to this issue. The permissive system entitles individuals to a subsistence income supply for existing as a human. The puritan system requires that people at least be willing to contribute to society in order to receive a subsistence income. Finally, the Individual view holds the property rights of the individual to be sacred: no one may forcibly deprive him of his goods. I will argue for the last alternative. Individualism is an extension of Locke's idea of property rights. An Individualist believes each person owns his own life, the fruits of his labor, and his property. No one may deprive him of these property rights. He is free to act as long as his actions do not interfere with the property rights of others. At this point it is important to define what money is. Money is an exchange of value. Money has value because it represent labor, or value, one has created but not yet used. Money in my pocket is what I have created but not yet consumed. Money is not a natural resource; it does not grow on trees. Men can make money by their physical or mental labor. Do I not, then, have full claim to my earnings? If A discovers a cure for AIDS; it surely was not solely a product of A. Society's framework made the discovery possible: A had to build on previous knowledge; she had to use a laboratory she probably did not own. All of these factors make society a partner in the discovery. Therefore, she does not have the right to all of the benefits of her discovery; she must give up some of her benefits to society at large. It is true that A did not personally create every piece of equipment she used to make the discovery; however, the point missed by in this situation is that property is held by individuals, and A had to exchange value in the form of money to buy or rent the equipment she used. The owners have already been paid for the use of their equipment. Business agreements occur between individuals; there is no entity, "society," that handed her a gift. If A were to have to pay more to "society," then she would, in effect, be paying twice. If a permissivist responds with "but she will get rich selling the cure for a high price while thousands are dying," there are basically two responses.

Hoaxes: Deception and Cardiff Giant

Hoaxes What is a Hoax? A hoax is something that is intended to deceive you or better described as a theory. They are many hoaxes in the world that have been developed over time. The two I have decided to tell you about are in the top 10 famous hoaxes in the world. These two are the Cardiff Giant and then the Cottingley Fairies. As you will out while you continue to read is both of these came out not to be completely true. George Hull who was a tobacconist created the hoax, Cardiff Giant. â€Å"He decided to create the giant after an argument at a Methodist meeting about a passage stating there were giants that once lived on the earth. The men he hired to carve the man, were instructed to make it long out of gypsum. Edward Burghardt was hired by Hull to carve the stone into a man and not tell anyone. To make the stone man look old and weathered, they used many stains and acids. By the time he was transported to a farm the United States has already spent 2,600 dollars trying to figure out the hoax, this was in 1868. In almost 1869, two men dug up a well and discovered the giant. One of the reporters said, â€Å"I declare some old indian has been buried here! Later some guy set up a tent and charged 25 cents for people who wanted to see the giant. Hull later sold his interest for 23,000 dollars to a man with the name of David Hannum. They moved it to Sycacuse, New York for an exhibit. It was so popular that a man named P. T. Barnum offered 50,000 dollars for the giant; he was turned down. He later hired a man to model the giants shape and cover it in wax and created a plaster replica. The replica was put on display at New York and claimed that it was real and the other one was fake.Barnum got sued by Hannum for calling his giant fake. Barnum got sued by Hannum for calling his giant fake. Hull eventually confessed to the press on December 10. On February 2, 1870, both of the giants were revealed in the court as being, fake. Barnum was ruled by the judge that he c ouldn’t be sued. The story of Cottingley Fairies is based off of a series of five pictures that were taken by Elsie Wright and Frances Griffiths. Elsie borrowed her dad’s 25 cent camera one day and toke pictures behind the family house. As Mr.Wright was developing the pictures, he saw fairies in them, but he said they were, fake. She was banned from taking anymore pictures, but her mom, Polly, was convinced they were real. In the summer of 1919, the whole situation became public and an author wrote an article saying these fairies were real. The next fifty years od there life was spent avoiding the public and is particular hoax continued to be believed by a lot of people. Frances and Elsie both admitted when they were about to die that the first four that were taken was fake, but the fifth photo was, authentic.