Dreams are visual or auditory experiences that our mind creates during a sleeping period. There are two types of dreams, REM dreams and Non REM dreams. REM dreams usually exhibit impossible or bizarre things that could not normally happen in real life, as Non REM dreams are more relatable to everyday life and seem possible to actually happen. (V. Hill, Personal Communication, January 2016).…
Financial Risk Analysis In addition, ABC Community Banks financial risks include market, credit and liquidity risks. Interest rate risk, a byproduct of market risk, occurs when the U.S. Federal Reserve alters interest rates (Elliott, 2012). Consequently, as rates increase the profit margin earned by ABC Community Bank decreases, negatively affecting the company’s net income and balance sheet (Investopedia, 2015a).…
When I am dreaming, I sometimes am not sure if I am awake or dreaming, but when I am awake I know I am not dreaming. In dreams, I feel like I am not in control of what is happening, I am the observer. I sometimes know I am dreaming because I do things I would not normally do in real life. In dreams, things do not always make sense, like a movie skipping. In real life, this is not the case.…
Under some optimistic views, this securitized instrument were believed to diversify risk, lower cost of lending and lengthen the maturity, hence created more lending opportunities to borrowers. However, these benefits were brought at the cost of increasing lenders’ exposure to the default risk (Solomon, 2012). In particular, as the borrowers the lenders who have a final ultimate say in the decision made by firm, creditors cannot affect the firm’s investment decision if it too optimistic. Moreover, as this practice require additional party to take some assets of the sponsor off balance sheet which is independent of the sponsor’s activities. Thence, there has been a concern that this new entities can, possibly, divest creditor’s ability to claim against their assets thereby jeopardize creditor’s ability to get their debts…
Spelman College was never my “dream school” or one of the schools I planned on attending. After getting rejected from my top two schools, North Carolina State University and the University of North Carolina at Chapel Hill, I began to lose all hope. I became very lost, I didn’t know where I was going to school because I wasn’t really interested in any other schools. My friend Michael, who was planning to attend Morehouse College, was the one who motivated me to apply to Spelman. At first I was very hesitant about applying, but I decided to apply just so that I would have a backup plan, in case I didn’t get accepted into my dream schools.…
Can you imagine waking up in the morning with no heater or air conditioning, no lamps or electronic light and also the worst of all no cell service? You would think to yourself, how am I going to survive. Well, you will survive but things that are as simple as making time to go to the grocery store and turning up the heater when you are cold will be a lot more difficult and time-consuming. For example, getting food for the week was not going to the store and putting your food in the refrigerator or freezer, you had to go to the farm on a horse-drawn carriage. Also, they could not buy eggs, milk, or cheese for a week's worth.…
Lucid Dreaming: The Start of Great Possibility Baku, a dream eater in Japanese Legend, is a spirit animal that visits people’s homes and eats their nightmares. In Greek mythology, Morpheus is a messenger who has the ability to enter someone’s dream and deliver messages from the gods. His brother Phobetor, who is a shape shifter and is often found in the form of a snake, is the bringer of nightmares. The origin of the English word “nightmare,” is Mara, who is also an evil spirit that changes dreams to nightmares according to Germanic Folklore. There is a legend in the Scottish Lowlands of tiny men called brownies who, when you dream, do chores and housework for you.…
What is a dream? The scientific definition of a dream is when there is a very small amount of brain activity and there is no sense of self-awareness. Most dreaming occurs in the REM (rapid eye movement) stage. This is the stage during which accelerated respiration and heart rate, muscle relaxation, and increased brain activity occurs.…
Risk management is a significant component in the banking operation. It controls the entire management of a bank and if anything goes wrong, it plays a role of preventing from programs. The case “Risk Management at Wellfleet Bank: All That Glitters Is Not Gold” introduces the history, operations, strategy and risk management function of Wellfleet Bank with some detailed proposals. Since there are always some risks within any corporation, this essay will refer to some risks that Wellfleet is faced with, explain why they exist and how to improve these problems.…
During ‘prescientific days’ dreams were considered a ‘manifestation’ of a ‘higher power’. The introduction of psychology, the scientific study of our mind, rejects and replaces this interpretation with many others. Freud lists 4 distinct interpretations. The first is his own interpretation. His states that dreams are a subconscious manifestation of our desires.…
Sleep and Dreams Analysis In this log that I kept for my sleeping habits I noticed a little constant routine in my sleep. I would go to bed every night at around 10:15pm and I would wake up at around 5:20am, basically I get around 8-9 hrs of sleep counting the naps. Although I noticed something quite funny, during the past week I had a dream every other night. I think I’m getting enough sleep because I get all the hours of sleep needed.…
First, I am going to start out with the definition of Psychology. Psychology is the scientific study of the human mind and its functions. Speaking of the human mind and its functions, dreams, what are they? Dreams are a series of thoughts, images, and sensations occurring in a person’s mind during sleep. Dreams are very mysterious, they are the “royal road to… the unconscious,” a famed psychologist once said (Sigmund Freud).…
Loans are the largest source of credit risk to a financial institution .However , other sources of credit risk exist throughout the activities of a financial institution including in the banking book and the trading book, and both on and off the balance sheet. The goal of credit risk management is to maximize a SACCOs risk adjusted rate of return by maintaining credit risk exposure within acceptable parameters. SACCOs need to manage credit risk inherent to the entire portfolio as well as the risk in individual credits as transaction (Sinkey.1992). Portfolio theory deals with the selection of portfolios that maximize expected returns consistent with the individual acceptable levels of risk.…
India, is a developing country, that is strongly built through its exports, has a constant rate of economic growth per year, and the country that was least affected by the global financial crisis, out of the three. When looking at 2008 to 2010, even though this was when the crisis transpired, India was still able to have a GDP growth rate over 2%. This did not mean that India was able to avoid the financial crisis, but rather dampen the effects of it, relative to the United States of America. In this section, we will take an in depth look at finance for lending , India’s banking system, and the financial systems in place during 2008. India’s banking structure is drastically different then the United States of American and very unique compared…
Dreams Are Our Reality Are our dreams a reality, or is our reality a dream ? We take for granted how our mind puts everything together. Certain dreams are a message to what could happen in reality. What we envision in our dreams is something everyone needs to treasure, so the world’s population has to know about the beauty of our mind’s dreams! Dreams are an extension to physical reality because they are powerful, have deep meanings that relates to real life, and cause certain events such as Deja Vu that links to reality.…