William Shakespeare s Sonnet 116 - 944 Words

‘Sonnet 116’ by William Shakespeare and ‘What Lips My Lips Have Kissed, And Where, And Why† by Edna St. Vincent Millay are both sonnets that discuss companionship and a glimpse of the poets’ experiences. In ‘Sonnet 116’, Shakespeare illustrates how capability is weakened by its metaphysical stereotype and ideals such as, love which never seems to wither away according to Shakespeare while on the contrary, in ‘What Lips My Lips Have Kissed, And Where, And Why† Millay feeds on the chaos between the ideal of love and its harsh reality, heartbreak. Both poets seem to be love struck but there is a significant difference in the two. I will compare and contrast ‘Sonnet 116’ by William Shakespeare and ‘What Lips My Lips Have Kissed, And Where, And Why† by Edna St. Vincent Millay. I will also inquire and analyze why this particular form of poetry established different effects. â€Å"â€Å"What Lips My Lips Have Kissed, and Where and Why† and â€Å"Sonnet 116† are, in fact, two different sonnets. â€Å"What Lips My Lips Have Kissed, and Where and Why† is a Petrarchan or Italian sonnet; Due to the fact, that this sonnet has a rhyme scheme that divides the first eight lines from the last six lines. By dividing the poem, the rhyme scheme helps to emphasize the theme. The overall theme of the poem is loss, which occurred in the past. Since the rhyme scheme is divided into two parts; the first part uses the metaphor of lovers while the second part uses the metaphor of a tree. On theShow MoreRelatedWilliam Shakespeare s Sonnet 116981 Words   |  4 PagesWilliam Shakespeare was born in April of 1564. His exact date of birth is unknown. By the time he passed away on April 23, 1616 he was regarded worldwide as the greatest writer in the English language. He was a playwright, poet, and actor. Unfortunately, he passed away at an ea rly age of fifty-two and the world will never know what other great works he would have produced. â€Å"To the world, he left a lasting legacy in the form of 38 plays, 154 sonnets, and two narrative poems† (â€Å"The Life of WilliamRead MoreComparing And Contrasting Two Sonnets1141 Words   |  5 Pages Comparing and Contrasting Two Sonnets ‘Sonnet 116’ by William Shakespeare and ‘What Lips My Lips Have Kissed, And Where, And Why† by Edna St. Vincent Millay are both sonnets that discuss companionship and a glimpse of each poet’s experiences. In ‘Sonnet 116’, Shakespeare illustrates how capability is weakened by its metaphysical stereotype and ideals such as, love, while on the contrary, in ‘What Lips My Lips Have Kissed, And Where, And Why† Millay feeds on the chaos between the idealRead MoreWilliam Shakespeare s Othello 1386 Words   |  6 Pagesthis inescapable human passion. William Shakespeare’s store of colors is unrivaled. No human failing, foible or foolishness escapes his gentle, comedic reproof. He equally enjoins his audience to venture as bravely as he does into the palpable horror of love gone amiss. In â€Å"OTHELLO,†Ã¢â‚¬Å"MACBETH,† and many more dramas, love’s fatal potential to provoke vengeance or the quest for earthly power is powerfully felt. These are epic investigations of love’s progression. A sonnet, however, is the equivalent ofRead MoreWilliam Shakespeare s Poetry Of Love1612 Words   |  7 Pageswill focus on the poetry of William Shakespeare. Shakespeare was a world-renowned poet and playwright. Shakespeare had a romantic heart and his poetry is shaped by love. His poems usually depict the passion and sacredness of relationships. By comparing two poems from William Shakespeare it is shown how he has been able to articulate the poetic theme of love. This seminar will analyze and explore two of Shakespeare’s poems focusing on the particular theme of love. Shakespeare deals with deep and enduringRead MoreEssay about Copmaring Shakespeares Sonnets 116 and 1471489 Words   |  6 PagesCopmaring Shakespeares Sonnets 116 and 147 Light/Dark. Comfort/Despair. Love/Hate. These three pairs of words manage to sum up William Shakespeares Sonnet 116 and Sonnet 147, while also demonstrating the duality of Shakespeares heart. Sonnet 116 reveals to a careful reader the aspects of Shakespeares concept of what ideal love is. However, Sonnet 147 shows the danger of believing in this ideal form of love. These two sonnets perfectly complement and clarify each otherRead MoreWilliam Shakespeare s Sonnet 291399 Words   |  6 Pagesmuch of his lifetime Shakespeare was better known and more admired as a poet than as a playwright,† (Nelles, Par.1) one can argue that William Shakespeare is one of the most brilliant and fascinating British poets, not only of his time, but also to this day. His work is everlasting and promising. Hence, we are still talking about him and discussing his work in the 21st century. His poems leave the reader inspired and wanting more. The techniques he used for his poems and sonnets are a bstract and authoritativeRead MoreClose Reading of Sonnet Essay example1391 Words   |  6 PagesClose Reading of Sonnet 116 Written by William Shakespeare 2011 â€Å"Sonnet 116† written by William Shakespeare is focusing on the strength and true power of love. Love is a feeling that sustainable to alterations, that take place at certain points in life, and love is even stronger than a breakup because separation cannot eliminate feelings. The writer makes use of metaphors expressing love as a feeling of mind not just heart as young readers may see it. To Shakespeare love is an immortalRead MoreAnalysis of Two of the Best Williams Shakespeares Work1273 Words   |  6 Pagesleader in classical poetry and drama, English writer William Shakespeare, captures the passion and emotions that the romance and depths of the human heart experiences in life. This is especially shown in his vast collection of sonnets which exemplified the â€Å"carpe diem† ideology of the period, and the love that one can have for another. Two of the most famous of Shakespeare’s works, Sonnet 55 [Not Marble, nor the gilded monuments] and sonnet 116 [Let me not to the marriage of true minds], are no exceptionRead MoreSonnet 116 And John Donne1059 Words   |  5 Pages William Shakespeare’s â€Å"Sonnet 116† and John Donne’s â€Å"A Valediction: Forbidding Mourning† similarly explore the theme of everlasting true love. However, both poems differ in rhyme scheme, techniques, and meaning. The poets use these tools to convey to the reader that everlasting true love does in fact exist. Although both speak so passionately about said love, only the speaker of Donne’s poem has actually experienced it. While both poems explicate eternal true love, their rhyme scheme differencesRead MoreWilliam Shakespeare s Sonnet 30960 Words   |  4 PagesShakespeare s writing about love is exceptionally deep and intensely layered with numerous implications and utilization of rhyme and metaphors. The power of feeling, the profundity of thought, and serious creative energy are all to be found in his sonnets. Shakespeare s Sonnets clarify the value of human relationships by showing that friendship can end one’s own sadness, that love should be commemorated, and that marriage between true minds is loyal and consistent. â€Å"But if the while

Working With College Students At California State University

I was drawn to working with college students when I moved into my residence hall as a first-year college student. When I moved into Jenkins Hall at California State University, Sacramento I found what would become my home for the next year. I became a part of the Residence Hall Association and a student leader in my community. I took on the position in order to help me as I transitioned into college, it helped with becoming accustomed to college and gave me a sense of belonging. Being the first in my family to go to college as well as a first-generation student I was given more opportunities than my families before me. There was nobody I could turn to with the questions I had about my college experience. For one of the few times in my†¦show more content†¦I believe that through the opportunity to research the different aspects of students’ lives I will learn different needs from both theory and practice. Throughout my life networking has been one of the areas that I have struggled with. The degree and the curriculum structure would allow me to grow both personally as well as professionally. The program will allow me to develop relationships through the structure of the cohort program. The cohort system will not only allow me to develop a network of systems within student affairs but will also give me the opportunity to become friends with like minded individuals. However, earning a graduate degree would be a stepping stone into beginning my career as a student affairs professional. The degree would allow me to begin by working in residence life which will contribute to my understanding of the importance of living on campus for overall student success. After obtaining the knowledge and skills necessary I will continue my education and obtain a doctorate which will allow me to conduct further research and take on more leadership roles within student affairs. The professional long-term goal is to become a Director for student retention and academic success at a university which will allow me to accomplish and bring together all of my three goals in one position. Personally, obtaining a master’s will allow me toShow MoreRelatedEssay For Executive Director954 Words   |  4 Pagesthe University of California Office of the President. I believe the University of California’s commitment to excellence, diversity, and access aligns with my vast experience, skills, values, and passion of working to ensure college access and opportunity for students. My extensive experience in the realms of K-12, Higher Ed, and UC Outreach make me an excellent candidate for this position. For more than twenty-seven years, I’ve worked to expand college preparation and access for students in CaliforniaRead MoreEveryone Will Benefit From Lower Tuition934 Words   |  4 Pageseducation. College costs have skyrocketed in the last decade. As Webley writes in her essay about student debt, â€Å"tuition is increasing at a rate double that of inflation† (Webley 131). Students are not only paying for tuition, which is an average of $8,244, they also are required to purchase books and mandatory meal plans, pay fees, and secure on-campus living (Clark). Students pay an average of $21,447 after all these costs (Clark). The cost of an education at a public university in California is wayRead MoreWhy Students Should Not Work934 Words   |  4 Pagesfor a college education is becoming increasingly inherent to upcoming students. Many students feel a need to work in order to pay for their education, but this can have mixed effects. Many fall off of their path of study a nd become entwined in a blue-collar life, they often cannot find their way out. A substantial amount of time and energy is required to flourish in college and a long shift at work can have a parasitic effect on a student’s academic potential. As a result working students find thatRead MoreA Proposal On A Modest Proposal1524 Words   |  7 PagesA Modest Proposal A college degree is becoming increasingly more valuable with many decent jobs requiring some sort of higher education. As more students prepare to enter college, many are faced with the escalating prices of not only tuition, but also other things such as textbooks and the cost of living. This problem has been especially prominent in California, particularly within the last month, due to the UC regent’s new and controversial plans for an in-state tuition increase of five percentRead MoreThe California State University System s Board Of Trustees1537 Words   |  7 Pages2017, the California State University system’s Board of Trustees voted yes to a tuition increase (Xia). Up until the morning before this decision arose, several California State University students were advocating for free tuition, or at least to stop this tuition increase, from Cal State Fullerton having postcards that can be signed to be sent to the Board of Trustees to students protesting in front of the Chancellor’s office in Long Beach (Xia). Although this battle was a lost for students, this isRead MoreOn March Twenty-Second, The California State University1386 Words   |  6 PagesOn March twenty-second, the California State University system’s Board of Trustees voted yes to a tuition increase (Xia). Up until the morning before this decision arose, several California State University students were advocating for free tuition, or at least to stop this tuition increase, from Cal State Fullerton having postcards that can be signed to be sent to the Board of Trustees to students protesting in front of the Chancellor’s office in Long Beach, students in this system statewide arguedRead MorePolitical Culture And Higher Education Regimes1738 Words   |  7 Pagesin order to ensure that all systems have a say in what policies are created to manage universities, with a Board of Regents directing over the state’s higher education. Both California and Louisiana’s systems operate differently, but have some similarities as well. California According to Kleiman and Gittell, political culture is â€Å"a combination of history and social factors,† and it has an impact on â€Å"state policies, including higher education† (in Brown et al., 2010, pp. 713). In California’sRead MoreCalifornia State University San Bernardino803 Words   |  4 PagesCalifornia State University San Bernardino California State University San Bernardino, located in the foothills of San Bernardino Mountains, serves over 20,000 students annually. The university has the most diverse student population of any university in the Inland Empire, and its listed among the best colleges and universities in the western United States ( The Princeton Review, 2015).The nationally accredited university has more than 70 traditional programs offered to students, which include baccalaureateRead MoreHow to Better a Community; Step One: College Students1711 Words   |  7 PagesJacob Schekman Julio Leal English 1A 6 July 2009 How to Better a Community; Step One: College Students â€Å"I went to a large state school – the University of Illinois – and during my time there, I became one of the best two or three foosball players in the Land of Lincoln. I learned to pass deftly between my rigid players, to play the corners, to strike the ball like a cobra would strike something a cobra would want to strike. I also mastered the dart game called Cricket, and the billiardsRead MoreThe Factors Influencing California Teacher Credentialing1130 Words   |  5 PagesTopic Proposal From the time California was admitted to the Union through today, the requirements for formal educators have continuously evolved. Multiple factors have influenced these changes. The economy, changes in immigrant communities, as well as scientific research on social emotional, physical and cognitive development of students. Changes in teaching style trends have also been influenced by the same factors. The success of the education system in California continues to be dependent on

Branches of Government Paper free essay sample

The Branches of Government Alicia Sanders University of Phoenix His 301 The Branches of Government Ever wonder how our government works? The government was divided into three branches: the legislative, executive, and judicial. What were the reasons our forefathers divided the government into these branches? Each branch works together as a whole by a system of checks and balances in order for the government to be run properly and no one branch ends up having the power. How are the three branches of U. S. Government supposed to interact? Are the branches balanced in power? Why or why not? This paper will discuss these reasons. The three branches of government Legislative The legislative branch established by Article 1 of the constitution, consists of the House of Representatives and the Senate, which together form the United States Congress. The Constitution grants Congress the sole authority to enact legislation and declare war, the right to confirm or reject many Presidential appointments, and substantial investigative powersThe House of Representatives is made up of 435 elected members, divided among the 50 states in proportion to their total population. In addition, six members are non-voting, representing the District of Columbia, the Commonwealth of Puerto Rico, and five territories of the United States ( ¶2). The Senate is composed of 100 Senators, two for each state. Until the ratification of the 17th Amendment in 1913, Senators were chosen by state legislatures, not by popular vote. Since then, they have been elected to six-year terms by the people of each state ( ¶5). In order to pass legislation and send it to the President for his signature, both the House and the Senate must pass the same bill by majority vote. If the President vetoes a bill, they may override his veto by passing the bill again in each chamber with at least two-thirds of each body voting in favor ( ¶8). Executive The power of the Executive Branch is vested in the President of the United States, who also acts as head of state and Commander-in-Chief of the armed forces. The President is responsible for implementing and enforcing the laws written by Congress and, to that end, appoints the heads of the federal agencies, including the Cabinet Under Article II of the Constitution, the President is responsible for the execution and enforcement of the laws created by Congress. The President has the power either to sign legislation into law or to veto bills enacted by Congress, although Congress may override a veto with a two-thirds vote of both houses. The President can issue executive orders, which direct executive officers or clarify and further existing laws. The President also has unlimited power to extend pardons and clemencies for federal crimes, except in cases of impeachment ( ¶5,  ¶6). The Vice President also falls under this category, his primary responsibility is to be ready at a moments notice to assume the Presidency if the President is unable to perform his duties. This can be because of the Presidents death, resignation, or temporary incapacitation, or if the Vice President and a majority of the Cabinet judge that the President is no longer able to discharge the duties of the presidency ( ¶11). The Cabinet consists of 15 executive departments — each led by an appointed member of the Presidents Cabinet — carry out the day-to-day administration of the federal government. Appointed by the President and confirmed by the Senate, the members of the Cabinet are often the Presidents closest confidants. In addition to running major federal agencies, they play an important role in the Presidential line of succession — after the Vice President, Speaker of the House, and Senate President pro tempore, the line of succession continues with the Cabinet offices in the order in which the departments were created. All the members of the Cabinet take the title Secretary, excepting the head of the Justice Department, who is styled Attorney General ( ¶5,  ¶21). Judicial Where the Executive and Legislative branches are elected by the people, members of the Judicial Branch are appointed by the President and confirmed by the Senate. In Article III of the Constitution, which establishes the Judicial Branch, leaves Congress significant discretion to determine the shape and structure of the federal judiciary. Even the number of Supreme Court Justices is left to Congress (OUR GOVERNMENT †¢ THE JUDICIAL BRANCH,  ¶1,  ¶2). Federal courts enjoy the sole power to interpret the law, determine the constitutionality of the law, and apply it to individual cases. The courts, like Congress, can compel the production of evidence and testimony through the use of a subpoena. The inferior courts are constrained by the decisions of the Supreme Court — once the Supreme Court interprets a law, inferior courts must apply the Supreme Courts interpretation to the facts of a particular case ( ¶6). Article III of the Constitution of the United States guarantees that every person accused of wrongdoing has the right to a fair trial before a competent judge and a jury of ones peers. The Fourth, Fifth, and Sixth Amendments to the Constitution provide additional protections for those accused of a crime. These include: †¢A guarantee that no person shall be deprived of life, liberty, or property without the due process of law †¢Protection against being tried for the same crime twice (double jeopardy) †¢The right to a speedy trial by an impartial jury †¢The right to cross-examine witnesses, and to call witnesses to support their case †¢The right to legal representation †¢The right to avoid self-incrimination Protection from excessive bail, excessive fines, and cruel and unusual punishments (OUR GOVERNMENT †¢ THE JUDICIAL BRANCH,  ¶13,  ¶14) As listed above in explaining the three branches of government, they all exist and were formed by our forefathers in order to work together and no one branch has the sole power. In doing so a system of checks and balances was formed for all three branches to work together. The following expla nation of checks and balances will help get an understanding of the system and will show that the branches are balanced in power and are needed in order for the government to function. What are Checks and Balances? Explanation of Checks and Balances Checks and Balances were formed by the government which is also known as separation of powers. The purpose of Checks and Balances is to distribute power, and make sure that the government does not become autocratic. This system was devised so that one branch would not have the ultimate power over the other and each branch performs most effectively when in the best interest of the nation. Each branch influences the other and this allows the separation of powers to protect the democratic process. The Checks and balances system distributes power. Many other governments have followed suit of the United States and incorporated a system of Checks and Balances into their government in order to maintain the integrity of their leaders (Smith,  ¶1, 2, 6). Examples of Checks and Balances within the three branches of government The following examples according to Kelly’s article â€Å"Checks and Balances,† will show that each branch has powers that it can use to check and balance the operations and power of the other two branches. This will show that each branch is balanced in power. Checks and Balances of the Legislative Branch The Legislative Branch is given the powers to make the laws. It has the following checks over the Executive Branch: †¢May override presidential vetoes with a two-thirds vote †¢Has the power over the purse strings to actually fund any executive actions †¢May remove the president through impeachment †¢Senate approves treaties †¢Senate approves presidential appointments The Legislative Branch has the following checks over the Judicial Branch: †¢Creates lower courts †¢May remove judges through impeachment Senate approves appointments of judges Checks and Balances of the Executive Branch The Executive Branch is given the power to carry out the laws. It has the following checks over the Legislative Branch: †¢Veto power †¢Ability to call special sessions of Congress †¢Can recommend legislation †¢Can appeal to the people concerning legislation and more The Executive Branch has the following c hecks over the Judicial Branch: †¢President appoints Supreme Court and other federal judges Checks and Balances of the Judicial Branch The Judicial Branch is given the power to interpret the laws. It has the following checks over the Executive Branch: †¢Judges, once appointed for life, are free from controls from the executive branch †¢Courts can judge executive actions to be unconstitutional through the power of judicial review The Judicial Branch has the following checks over the Legislative Branch: †¢Courts can judge legislative acts to be unconstitutional. The American system of checks and balances has worked well over the course of Americas history. Even though some huge clashes have occurred when vetoes have been overridden or appointees have been rejected, these occasions are rare. The system was meant to keep the three branches in balance. Even though there have been times when one branch has risen preeminent, overall the three branches have achieved a workable balance with no one branch holding all the governmental power (Kelly, 2009,  ¶8). As this paper has discussed the different branches of our government, how the branches interact with one another, what checks and balances are and how they work to form the government, the forefathers were on the right track in forming the three branches of the government. https://prezi.com/dqmc41m4hr7n/the-three-branches-of-government/ https://www.whitehouse.gov/1600/executive-branch https://www.whitehouse.gov/1600/judicial-branch https://www.whitehouse.gov/1600/legislative-branch http://www.wisegeek.org/what-are-checks-and-balances.htm

Investment Decision Standard Chartered

Question: Discuss about theInvestment Decisionfor Standard Chartered. Answer: Introduction The title of the report is Investment decision. Investment plays very significant role in the life of not the individuals only but also dusting the life time of the company. Most of the companies end up with liquidation due to improper decision about the projects in which the amounts have been invested. The same situation happens with the individuals. Individuals, being a salaried employee, always strive to save some amount from the salary income and invest in the better options so as to secure the future. Therefore, whether it is company or whether it is individual, investment plays very important role for saving the current and future position of life. This report has been prepared to go through the study of financial position of Priscilla Cher, who being a salaried employee and belonging to rich family, ends up with the huge obligation containing the interest component and other consumable used for luxurious living. The report has started with discussing the highest common factor which has caused such situation of the client. Thereafter, traits of Priscilla Cher have discussed regarding the effects of the current standard of living on future investment decision. Then ways have been identified as to build the net assets and at the last report has ended up with the conclusion and recommendation on the suitable investment portfolio. Know You Client Know Your Client is the phrase which has nowadays been common for every customer dealing with the banks, financial institutions and lending institutions. Know your client refers to the procedure whereby the service provider obtains all the necessary information about the client or customer to whom he or she is going to serve in the near future. The information shall be obtained before starting the service. It is necessary because without knowing the details of the client one cannot answer their questions or serve them in the efficient manner (HSBC, 2016, Standard Chartered, 2016 and Prime Financial Planners, 2016). Secondly, the details or information shall be obtained using the HCF Model. HCF models denote the factor which is highest common in the particular case. It means the information shall be obtained taking in consideration the profile of the customer and that too with the customer prevailing position and how many factors prevails. In the given case, Priscilla Cher, being a se nior wealth manager, lavishly spends for her life. To start with the Know your client procedure, at first the common pattern of the financial performance of her is checked. How much has been the earning pattern and how much has been the expending pattern over the period. Earning pattern is defined by the income sources like Salary, Interest on fixed deposits or Dividend earned from any sort on investment, etc. Expenditure pattern is defined by the applications of the funds on operating the life like food and shelter and finance activities like interest paid on borrowing and repayment of loan. After understanding the earning and expenditure pattern, next information that is required is the requirements of Priscilla Cher as to what should be future pattern of the income and expenditure. Behavioral Traits Impacting Future Investment Decision Behavior is referred as the deployment of an individual towards any kind of activity. Behavioral finance is referred to as the area of finance where the individual decision about the investment and the results of the same depends upon the structure of market information and the traits of the individuals participating in the investment structure. It means the behavioral finance is related to the psychology of individual participants which is further required to explain the market results and outcomes (Sewell,2005). According to behavior concept of finance, there are three concepts which depict the traits of individuals. First is confirmation bias. In this, individual gives more attention to the information which stands along with the opinion or prediction framed by them for any particular market condition or situation or proposed market condition. This perception is very hard for anyone to shake as the individual will ignore the rest of the things and will concentrate only on the info rmation that will support their thoughts. Second major concept is Hindsight bias. This is very dangerous one and is referred as major factor leading to more ones overconfidence. In this the individual have faith that the event that has already been happened was predictable and almost positive to happen but in fact the event in any case could not be possibly predicted. The last concept is avoiding confirmation bias. It is opposite to confirmation bias concept and reveals that no one can be refrained from doing something in spite of the fact that he or she knows that fact. So to overcome such kind of situation one dissented person shall be identified who can explain the reason for not doing something. As per the case study, Priscilla Cher behaves in confirmation bias model. She relies on that information only which supports her opinion or thought. It is because she belongs to rich family and has perception that she should spend on her living on the basis of luxurious standards and she cannot bear another opinion which does not supports her thought. Thus, she has irrelevant behavioral trait. Ways To Build Net Assets And Financial Position Being a behavioral confirmation biased individual, its very difficult to change her lifestyle. She cannot change particular life style overnight. In order to build net assets, improve the ratio of expenditure to income tax pattern and to improve the balance sheet, she shall perform the following: At first, she should repay the obligation of $45000 to the bank immediately. The amount pertains to the platinum credit card accounts obtained from the bank. It should be repaid because this obligation carries interest rate which keeps on accumulating on nonpayment of the amount outstanding on the due date. Also, in case individual fails to pay the obligation within the due date then the penalty amount is also added which in turn may decrease the borrowing score of individual in the eyes of the bank. Secondly, she should opt for other means of transport on ad hoc basis like metro or cabs. It is because Mercedes car, owned by Priscilla Cher, is conveyance which consumes petrol like water and usually costs too much. By opting another mode of transport the life style will automatically changed will in turn reduce the cost of transportation. Thirdly, she shall avoid her nigh out plans at the maximum and shall prefer to go for once in a month. It is because going for night out not only changes the life style but also changes the perception and thought of the people. By doing so she can save $4000 per month which counts for 26.67 percent of the monthly salary. Fourthly, she should buy a house according to its living condition or less than that. It is because it is better to buy a house on loan from the bank or any other financial institution rather than paying the rent to the landlord. Fifthly, after considering all the steps, next step is to build such an investment portfolio which can give better returns in the current as well as the future. Suitable Investment Portfolio Investment portfolio consists of the mixture of investments which can be considered so as to invest the spare amount ready with the individual and earn the interest. In the given case, Priscilla Cher shall consider the following options: Equity Shares She should invest some amount in the equity shares of the company listed in Singapore Stock Exchange. The benefit will accrue in the mode of the dividend both final and interim. The selection shall be made by considering the company details like how much the company has earned, how much earning per share they are offering to their shareholders and history of the company and dividend payout ratio of the last three years. She can invest in Woolworths Limited, Wesfarmers Limited, Home Depot, etc. Derivatives Second best option within which she can invest is the derivative. Derivative is defined as the security which derives its value from the underlying asset like shares. It gives the right to purchase or sell the instrument at given point of time. Insurance and Medical Policies She should invest some amount for insuring her life and the medical expenses. This will also help her to have tax benefits while paying the Income Tax to the Government. Conclusion and Recommendation Investment is treated as the backbone of every individual to earn something out of the spare money. The whole case study of Priscilla Cher has been detailed in this report. The income pattern and expenditure pattern have been discussed and the ways to reduce the same has been discussed in detail. Thereafter, the investment portfolio has been prepared and described in detail. Thus, in order to conclude the report, Priscilla Cher shall consider the entire investment portfolio described so as to improve the balance sheet and income and expenditure pattern. Our recommendation is to opt for all the three investment portfolios namely equity shares, derivatives and the insurance and medical policies. The investment shall be made in part so that the effective and efficient portfolio shall be build so as to give better return. The major reason is that it will avoid the over expanding nature of Priscilla Cher. References HSBC, (2016), Know your Customer (KYC), available at https://www.assetmanagement.hsbc.com/in/mutual-funds/kyc.html accessed on 08/02/2017. Standard Chartered, (2016), Know your Customer, available at https://www.sc.com/in/important-information/kyc.html accessed on 08/02/02017. Prime Financial Planners, (2016), Know your Client (KYC), available at https://www.primefp.in/kyc.htm accessed on 09/02/2017. Sewell M, (2005), Behavioural Finanace, available at https://introduction.behaviouralfinance.net/ accessed on 09/02/2017. Sewell M, (2010), Behavioural Finanace, available at https://www.behaviouralfinance.net/behavioural-finance.pdf accessed on 09/02/2017