Essay on Importance of Financial Literacy

Financial literacy is a set of knowledge about financial markets, their functioning and management, its professional participants and their financial instruments, products and services, the ability to use them in full awareness of the consequences of their actions and the readiness to accept responsibility for decisions taken. 

According to a definition of the Council of June 2005 OECD, financial education is the process by which consumers or investors:

1. improve their knowledge of products, concepts and financial risks;
2. acquire through information, education or a lens Board, the skills and confidence necessary for:

• become more sensitive to the risks and opportunities in financial matters;
• make reasoned choices, knowingly;
• know where to find financial assistance;
• take other effective initiatives to improve your financial well-being.

Essay on Pros and Cons of Studying Abroad

Everywhere we hear what excellent opportunities are given to those who chose to be educated abroad. However, the question always has a dark side to the coin. Will weigh all the pros and cons.

Let us first consider the pros of studying abroad.

Of course, a diploma in a prestigious college in Europe or America is what make your parents proud, gives you an advantage in finding a good job, not to mention the unique and unforgettable adventure, new acquaintances with representatives of different countries and cultures.

Education at a renowned University gives you such set of skills, which is much more practical than at any of your local institution. This means research, grants, and the opportunity to demonstrate and test yourself. But, besides all this, it is an opportunity to learn a new language.

Essay on The Boy in the Striped Pyjamas

I would like to say my opinion I’ve read recently: The Boy in the Striped Pyjamas. To say I hate it would mean to say nothing about how much I detest the novel: I know nothing nastier written on the topic of concentration camps, than this book. But let me tell what exactly I’ve disliked.

1. The image of Bruno. Even if parents sought to protect the child from the horrors of war and propaganda (although why?), the school has taught him to correctly spells "Führer" and to use "Jews." The nine-year-old German boy and was preparing to enter the Hitler-Jugend, marked on the map the battles on the eastern front, and knew by the heart internal and external enemies of the Reich. 

Moreover, the innocence of Bruno borders his stupidity. At first, I even suggested that he was a retarded person - this would explain the many oddities of the plot. But no! It was not the case: complex syntax, allegories, ability to dodge and right beside an unrelieved stupidity: I just can’t put these both ends together.

Essay on Role of Doctor in Society

Doctor is a person who dedicates his knowledge and skills for the prevention and treatment of diseases, maintain and enhance human health.

Doctors were always in demand and appreciated by society. So many people are seeking a medical education, which is why competition in Medical Schools is very high, while studying medicine is not so easy, and the number of years required to become a fully trained doctor is more than in other professions. However, that does not stop modern students, and crowds of them again and again are trying to conquer the door of receiving commissions.

The doctor has traditionally enjoyed a special status in any society, and there are high ethical and legal requirements. It is believed that a "real" doctor should be a role model for the general public not only in the matters of health (do not smoke, do not drink alcoholic beverages, to keep an active life style, eat right), but also morality. It is believed that the doctor should be fully committed to Medicine, compassionate, humble, and sober in assessments of his needs, to exercise the force of spirit and determination in difficult life situations.

Essay on Evolution of Money

For starters, let's figure out, what is money? This is a special kind of commodity, which plays the role of a general equivalent, and has specific functions: means of payment, the accumulation, circulation, the measure of value.

Prerequisites for money were trade relationship between humans based on barter. At this point, people have started to realize the inconvenience associated with this system, it was expressed in the absence of a specific equivalent, which could be a fixed cost of goods allowing the deal between buyer and seller.

It is impossible to say exactly when the first money was used or officially adopted. One of the most ancient mentions about dates back for 4500 years and comes from a place located in the modern State of Iraq. It talks about the silver, as a due measure of payment. Money looked differently at different times.

Stone money, in the form of a disk, was used on the island of Yap (the Pacific Ocean) to pay for the litigation and the public expenditures. Among them were these giants up to 4 m in diameter.

Money-axes were used by native Americans in Mexico, they were kind of small axes made of copper. In addition to this money, the Indians also used cocoa beans for payment.

Ethiopian salt sticks from salt deposits were used as money until the 1920’s in Ethiopia.

Essay on Biological Cycles

Many natural biological processes are cycles; this means that different state of the body alternate with sufficiently clear frequency. The simple examples of quick cycles are breathing or heartbeating when the periods of muscle contraction are alternated with the periods of muscle relaxation. The other vital cycle, such as the alternation of wakefulness and sleeping, are the short-term periods with approximately 24 hours cycle. If a biological cycle is a tides dependent, they are called tidal, it has cycle of 12.4 or 24.8 hours longevity. The period of lunar biological cycles corresponds to the length of the lunar month.

Biological cycles are interesting because in many cases they are independent from ambient conditions. Such cycles are called endogenous, i.e., "coming from the inside": though usually they are correlated with the rhythmic changes in the external environment, such as the alternation of day and night, they cannot be considered as a direct response to these changes.

Essay on Stratosphere

The stratosphere (from LAT. Stratum: layer) is a layer of the atmosphere that is located at a height from 11 to 50 km. There is a little decrease of the temperature at the heights from 11 to 25 km (the lower part of the stratosphere) and an increase of it in the layer of 25-40 km from -56.5 to 0.8°C (the top layer of the stratosphere or the inversion field ). At the altitude of 40 km, the temperature value is about 273°K (almost 0° by Celsius), the temperature remains constant up to the height of about 55 km. This area of constant temperature is called the stratopause and is the boundary between the stratosphere and mesosphere. The density of air in the stratosphere is hundreds times less than at the sea level.

It is in the stratosphere, where the ozone layer is located (at the height from 15-20 km to 55-60 km) that specifies the upper limit of the life in the biosphere. Ozone (O3) is generated during photochemical reactions most intensely at the altitude of about 30 km. At the normal pressure, the total mass of O3 would be a layer with thickness of 1.7-4.0 mm, but that is enough to absorb ultraviolet radiation from the Sun harmful for the life form. Destruction of O3 occurs when it reacts with free radicals, NO, Halogen containing compounds (including freon).

In the stratosphere, most of the short-wave part of the ultraviolet radiation (180-200 nm) and short-wave energy transformation occurs. Under the influence of these rays, magnetic fields are changing and there is the molecule decay and ionization, de novo synthesis of gases and other chemical compounds. These processes can be observed in the form of Northern Lights and other glows.