Investigating The Hornby Plc And Games Workshop Plc Finance Essay - Free Essay Example

Sample details Pages: 12 Words: 3576 Downloads: 8 Date added: 2017/06/26 Category Finance Essay Type Argumentative essay Did you like this example? The major reason of this paper is to make an investigation on the Hornby PLC and Games Workshop PLC. Games Workshop Group PLC, a London Stock Exchange cited business which was recorded in 1994, has been in enterprise for 30 years. At the centre is a niche enterprise Games Workshop. This enterprise concepts, manufactures and markets an interest founded upon assembling, modelling, decorating and tabletop gaming with form fighters (the Hobby). The Games Workshop enterprise makes the huge most of the sales and earnings of the Group. Whereas, Hornby is a house title and is well renowned as the UK emblem foremost in the form trains hobby. The companys founder was Frank Hornby (1863 1936) who directed for a patent in 1901 to defend a creation he called Improvements in Toy or Educational Devices for Children and Young People. Nobody then could have envisaged how this merchandise would leverage the form trains interest that we understand today. Don’t waste time! Our writers will create an original "Investigating The Hornby Plc And Games Workshop Plc Finance Essay" essay for you Create order The major inquiry this ratio location is: Does your enterprise have sufficient present assets to rendezvous the fee agenda of its present liabilities with a margin of security for likely deficiency in present assets, for example inventory shrinkage or collectable accounts?A generally agreeable present ratio is 2 to1. But if or not an exact ratio is satisfactory counts on the environment of the enterprise and the characteristics of its present assets and liabilities. The smallest agreeable present ratio is conspicuously 1:1, but that connection is generally playing it too close for comfort. The Quick Ratio is a much more exacting assess than the Current Ratio. By omitting inventories, it concentrates on the actually fluid assets, with worth that is equitably certain. It assists response the question: If all sales incomes should go away, could my enterprise rendezvous its present obligations with the gladly convertible `quick capital on hand? An acid-test of 1:1 is advised satisfactory except the most of your quick assets are in anecdotes receivable and the convention of anecdotes receivable assemblage lags behind the agenda for giving present liabilities. This ratio is the percentage of sales dollars left after subtracting the cost of items traded from snare sales. It assesses the percentage of sales dollars residual (after getting or constructing the items sold) accessible to yield the overhead costs of the company. This ratio is the percentage of sales dollars left after subtracting the Cost of Goods traded and all costs, except earnings taxes. It presents a good opening to contrast your companys return on sales with the presentation of other businesses in your industry. It is calculated before earnings levy because levy rates and levy liabilities alter from business to business for a broad kind of causes, producing assessments after levies much more difficult. The Net earnings Margin Ratio is calculated as follows: This ratio discloses how well inventory is being managed. It is significant because the more times inventory can be turned in a granted functioning cycle, the larger the profit. The Inventory Turnover Ratio is calculated as follows: This ratio shows how well anecdotes receivable is being collected. If receivables are not assembled sensibly in agreement with their periods, administration should rethink its assemblage policy. If receivables are excessively slow in being altered to money, liquidity could be harshly impaired. Getting the Accounts Receivable Turnover Ratio is a two step method and is calculated as follows: This assesses how effectively earnings are being developed from the assets engaged in the enterprise when in evaluation with the ratios of companies in a alike business. A reduced ratio in evaluation with commerce averages shows an inefficient use of enterprise assets. The Return on Assets Ratio is calculated as follows: The ROI is possibly the most significant ratio of all. It is the percentage of come back on capital bought into in the enterprise by its owners. In short, this ratio notifies the proprietor if or not all the effort put into the enterprise has been worthwhile. If the ROI is less than the rate of come back on an alternate, risk-free buying into for example a bank savings account, the proprietor may be wiser to deal the business, put the cash in such a savings equipment, and bypass the every day labours of little enterprise management. The ROI is calculated as follows: These Liquidity, Leverage, Profitability, and Management Ratios permit the enterprise proprietor to recognise tendencies in a enterprise and to contrast its advancement with the presentation of other ones through facts and numbers released by diverse sources. The proprietor may therefore work out the businesss relation power and weaknesses. Before analyzing the economic declarations of Games Workshop PLC, it is crucial to realise the kind of undertakings this business performs. According to Reuters, Games Workshop PLC is a diversified expertise business with a international occurrence in diverse enterprises, encompassing developed and transport, healthcare, brandish and graphics, buyer and agency, security, security and defence services, and electro and communications. The developed and transport enterprise encompasses goods for example nourishment and beverage, individual care, and automobiles. More exact developed goods encompass polyester, foil, and tape. Specific transport goods are insulation constituents like catalytic converters. The wellbeing care segment makes provision for health, surgical, and dental use. The brandish and agency enterprise uses employees to make stationary goods, provide goods, and home-improvement products. Office goods like Post-it Memo Pads are furthermore made in this section. Games Works hop PLC furthermore controls a security segment and an electro and communications part, where the last cited conceives goods encompassing telecommunication fiber-optic products.    The major concept to take from the distinct enterprise of Games Workshop PLC is the hedging strategy. Instead of focusing on only one commerce, Games Workshop PLC can have a part of its enterprise prosper, while another sections development slows. It is factual that Games Workshop PLC may not know-how any unbelievable share cost admiration because of its scheme, but Games Workshop PLC will not know-how any spectacular share cost fallout either. As clues, since 1999, Games Workshop PLC has only had one distinct contradictory share cost calendar year (2005), and that year only yielded a decrease of 6%. Each year throughout this timeline before and after 2005, Games Workshop PLC has been flat or shown share cost appreciation. In 2006 the share cost increased about 5%, and so far in 2007 the share cost is up over 30%. Throughout this time span, the US finances has been through exuberant development to become frightened recession. However, because of Games Workshop PLCs scheme a nd investors believe in such a well-respected emblem, Games Workshop PLC has organised to bypass so awful financial periods.    While, Games Workshop PLCs enterprise form is large, there are numerous other companies in this commerce that have alike strategies. What differentiate Games Workshop PLC although are its fundamentals. Over the last fiscal year, as asserted by Reuters, Games Workshop PLC glimpsed income at $22.9 billion dollars. This is an spectacular number. What is more spectacular is relation sales growth. Games Workshop PLCs latest sales number was 7.86% higher than it was the preceding fiscal year. Not only is this boost higher than its five year mean, but it is furthermore higher than the five year mean of the conglomerate industry. Considering the dimensions of sales capacity, this is a large signal of growth. What is even more spectacular is profits growth. Games Workshop PLC has been effective with its charges and glimpsed an boost in earnings of over 32.76% last fiscal year. This number is higher than the companys five year mean at 23.13% and furthermore higher than the industrys mean at 13.87%. Comparing this number to commerce competitors, United Technologies only glimpsed a 13.72% boost throughout the identical time span, Emerson Electric glimpsed a 20.26% boost, and GE only had earnings augment by 12.16%. Clearly Games Workshop PLC is increasing and utilising good interior controls to decrease cost.    Another way of showing Games Workshop PLCs powerful development is through its margins. Gross margins for Games Workshop PLC at 47.94% are rather high in evaluation to the industrys mean at 39.01%. Games Workshop PLCs whole margins are furthermore higher than United Technologies 26.78% number, Emersons 35.70% number, and GEs 42.83% margin. In supplement, Games Workshop PLCs functioning margins at 28.04% are furthermore overhead the commerce mean at 15.24%, not to mention overhead remainder of the industrys respective figures. The more significant margin, snare earnings margin, is furthermore in favour of Games Workshop PLC. The past fiscal year showed this number at 18.61%. The number is rather high in evaluation to the companys five year mean at 14.70%. In supplement, Games Workshop PLCs number beats the commerce mean of 11.81%, United Technologies number at 8.10%, Emersons margin at 9.29%, and GEs number at 12.88%. Games Workshop PLC is employed very effectively in evalua tion to its commerce peers. It can use the additional cents it makes for every dollar to assist the business and investors. Capital expending over the past five years for Games Workshop PLC is increasing at 3.57%. This number is higher than the commerce mean of 0.98% and higher than most of the aforementioned companies. Higher capital expending now entails even more effectiveness in the future for Games Workshop PLC. Lower charges signify broader margins and a larger proficiency for Games Workshop PLC to purchase back portions from investors or boost its dividend.    While Games Workshop PLCs development examines very good, some investors may inquiry the companys valuation. According to Reuters, the conglomerate commerce has an profits multiple of 19.92. Fortunately, for investors liking to purchase portions of this business, the ahead P/E ratio for Games Workshop PLC is 18.99. This number is very alike to GE, Emerson, and United Technologies. In supplement, Games Workshop PLCs ahead cost to sales ration of 2.82 is furthermore alike to the cited companies. This sign shows that not only is Games Workshop PLC increasing rather powerfully, but Games Workshop PLC is furthermore undervalued in evaluation to its development over this industry. High development and reduced valuation normally conceive a powerful recipe for success. Games Workshop PLCs PEG ratio of 1.67 is beside or underneath most of the commerce competitors which afresh shows reduced valuation granted growth.    In periods of other Games Workshop PLC power, this business is solvent with a 1.28 present ratio. The business is belongs to by more than 67% institutional investors. This shows that the smartest investors like this business and desire to take the risk to own it. The companys ROE of 39.97% is excellent. This number is overhead its five year mean of 33.31% and furthermore overhead the commerce mean of 20.97%. This number obliterates GE, United Technologies, and Emersons figures. And if higher margins extend to be present for Games Workshop PLC, future buybacks will lead to even expanded returns. Games Workshop PLCs ROA of 19.82% and ROI of 27.80% are furthermore rather strong. Games Workshop PLC is furthermore very effective when it arrives to turnover. Receiver revenue at 6.99 beats the commerce mean of 4.27 which entails buyers yield their discounts or borrowing on mean every 50 days. Asset revenue at 1.07 is furthermore more powerful than the commerce mean of 0.53, which entails Games Workshop PLCs asset proceeds generally signify bigger sales. Overall, there are abounding of benefits to owning Games Workshop PLC and its fundamentals.   Ãƒâ€šÃ‚   Financial Analysis of Hornby PLC In the economic year to 31st March 2009, Hornby PLCs income increased by 5% to 7.8 billion and sales omitting the worth of prized metals expanded by 3% to 1.8 billion. Underlying earnings before levy (before amortisation of came by intangibles and restructuring charges) was up 1% at 267.9 million. Underlying profits per share expanded by 0.1 pence to 89.6 pence. Market situation altered considerably throughout the year (Beneish, 2009). In the first six months income expanded by 24% and inherent earnings before levy increased by 20%. Environmental Technologies Division and Precious Metal Products Division both accomplished twice digit development in sales and functioning profit. Although the recession had currently begun in North America, international vehicle output for the first six months was unchanged from the identical time span in 2007/08 (Altman, 2006). Emission Control Technologies, which provision catalysts to the automotive market, presented well with development in new good s and a good assistance from Argillon, which was came by in February 2008. Prices for platinum assembly metals were furthermore very powerful in the early part of the year, with platinum averaging $1,795/oz for the six months to 30th September 2008. According to presentation ratios partition accomplished good development in the first half with both ECT and Process Technologies accomplishing well. Demand for auto catalysts dropped harshly in the second half of the year while demand for our other catalyst goods and services stayed powerful (Chow, 2008). For the year as a entire, income dropped by 3% to 2,226 million; sales omitting prized metals were 4.4 million down at 1,135 million; and inherent functioning earnings (before amortisation of came by intangibles) dropped by 16% to 124.3 million. Translated at unchanging exchange rates, sales omitting prized metals dropped by 7% and inherent functioning earnings were 22% lower.    Gearing Ratio Gearing ratios show that Gross borrowings (net of associated swaps) of 649.6 million at 31st March 2009 encompassed 609.1 million of liability organised under long period bond matters and long period funding from the European Investment Bank, of which only 19.0 million declines due to be repaid in the 15 months to 30th June 2010 (the going anxiety period) (Beneish, 2009). 265.0 million of the pledged bank amenities have expiry designated days after 30th June 2010.    Cash flow The companys money flow displays a affirmative trend. This displays that after buying into in financing, scrounging and operational undertakings the business still has a gigantic amount    b) commerce Identification amp; Analysis The both businesses as Games Workshop PLC and Hornby   PLC pertain to the gaming commerce of UK. expanding figures of the UKs best videogame designers are being lured overseas in a exorbitant mind drain which the UK commerce states the government has finished far too little to stop.    The computer sport commerce  ­contributes more than 1bn to the UKs whole household merchandise, more than the movie commerce, which obtains support in the pattern of levy breaks.    For about 30 years Britain has had the third most thriving videogames commerce in the world, behind the United States and Japan, conceiving a string of worldwide strikes encompassing Tomb Raider and the more contentious Grand Theft Auto. But one latest investigation displays that the UK is falling down the worldwide rankings in the face of rigid affray from Canada and France, where there is considerable government assistance.    It is appreciated that the communications minister, Lord (Stephen) Carter, is contemplating choices for aid, not smallest because he missed the part out in his interim report, Digital Britain, previous this year.    Unlike the melodies, movie and TV commerce, which are all clamouring for legislation contrary to online piracy, the sport commerce likes support in order that it can invest.    Were not inquiring for a handout, were not inquiring for a grant to fend off  ­collapse, were inquiring for an buying into to permit the sport commerce to be even more successful, said Richard Wilson, the head boss of Tiga, a assembly that comprises unaligned sport developers.    Theres no benchmark which the government can cling to and state there shouldnt be a levy shatter for a exact industry, he says. rather exclusion from the gigantic bailouts for banks, there has furthermore been lesser concepts that have been creative for other commerce.    The Canadian government, enthusiastic to boost a juvenile, fast-growing part, boasts not just levy breaks but furthermore the speedy tenacity of immigration  ­procedures for sport employees and in some situations even subsidises wages to appeal peak talent.    There are about 30,000 British expats in British Columbia, and numerous of them work in the sport commerce tempted by the way of life and the sweeteners.    At the agencies of Electronic Arts, the worlds large-scale unaligned developer, the employees are worldwide and some groups are very powerfully reliant on workers conveyed from the UK. The employed situation and rank are hard to disregard, state those who have made the switch.    Vancouver was more appealing, as there are allotments more possibilities here, said Matthew Boulton, 31, a programs developer who shifted to EA in 2004. Its not that I have any thing specific opposing to Guildford its just a bit needing in the seas and high grounds department.    He now works for an online gaming business in the city.    sport are numerous more high profile here; its recognised as an significant industry, he said. perhaps thats factual in the UK as well, but you not ever get that sense. You not ever discover political leaders mention it but here, its one of the things that persons understand is powerful and that you require to support.    Campaigners state gaming is one of Britains large-scale creative commerce, using about 30,000 persons nationally, with sales of videogames in the UK worth nearly 2bn in 2008.    Carter is appreciated to be assessing if support can be best granted through direct government intervention or levy alterations, and his last report next month is anticipated to give gaming a far more key place.    However, the Treasury will require many of assuring that there is a case for government support for an commerce that has glimpsed fast growth.    Ed Vaizey, the shaded minister for heritage, has contended that the governments malfunction to support the commerce is initating genuine damage. Despite its dimensions, there is no UK videogames assembly, lottery funding or levy breaks, he said last month. The only time it gets cited in assembly is when Keith Vaz [chairman of the dwelling activities committee] is accusing it for initating some latest outrage. We were the second biggest in the world, but we are slipping.    Last year older bosses at French publisher Ubisoft said they would not address unfastening new development studios in Britain because there were better inducements in other countries. Sony, which has some studios round Britain that make some of is most thriving sport, last year shut output on some high-profile names to slash costs.    Meanwhile IGA Worldwide, a hotly tilted British startup that locations advocating in online sport, is labouring to find buying into to hold its enterprise going and may have to deal itself to stay afloat.    Some advancement is being made: next month Tiga connects forces with the National Endowment for Science, Technology and the Arts (Nesta), to assist sport businesses charter better staff. And whereas last months allowance verified a moist squib for those who had wanted that the chancellor, Alistair Darling, might find cash for the commerce, Wilson said that force from the  ­Conservatives and the Liberal Democrats was beginning to make the government listen.    I dont accept as true weve ever thrust it as logically or competently as we have finished over the last 12 months. Were now having meetings with Department for Culture, Media and Sport and Treasury agents where theyre not booting the concept out of court, he notified the Guardian. whereas I find the rate of advancement exceedingly antagonising, we still have a good likelihood to get something.    C) recommendations to Stephen on buying into Decisions Based on the investigation I would recommendations Stephen to pursue the next things. a) By task dimensions Small tasks may be accepted by departmental managers. More very careful investigation and Board of Directors acceptance is required for large tasks of, state, half a million dollars or more. b) By kind of benefit to the firm  · an boost in money flow  · a decline in risk  · an digressive advantage (showers for employees, etc). c) By stage of dependence  · mutually exclusive tasks (can execute task A or B, but not both)  · complementary projects: taking task A rises the money flow of task B.  · alternate projects: taking task A declines the money flow of task B. d) By stage of statistical dependence  · Positive dependence  · Negative dependence  · Statistical independence. e) By kind of cash flow  · Conventional money flow: only one change in the money flow signal e.g. -/++++ or +/-, etc  · Non-conventional money flows: more than one change in the money flow signal, e.g. +/-/+++ or -/+/-/++++, etc.    The investigation stipulates a conclusion direct for: I) acknowledging or II) declining investment projects The time worth of money Recall that the interaction of lenders with borrowers groups an equilibrium rate of interest. Borrowing is only worthwhile if the come back on the lend passes the cost of the scrounged funds. Lending is only worthwhile if the come back is not less than identical to that which can be got from alternate possibilities in the identical risk class. The concern rate obtained by the lender is made up of: i) The time worth of cash: the acknowledgement of cash is favoured earlier other than later. Money can be utilised to profit from more money. The previous the cash is obtained, the larger the promise for expanding wealth. Thus, to forego the use of cash, you should get some compensation. ii) The risk of the capital addition not being repaid. This doubt needs a premium as a hedge contrary to the risk, therefore the come back should be commensurate with the risk being undertaken. iii) Inflation: cash may misplace its buying power over time. The lender should be reimbursed for the falling spending/purchasing power of money. If the lender obtains no reimbursement, he/she will be poorer off when the lend is repaid than at the time of lending the money. Thus we can state that founded on the overhead buying into matters, Stephen should proceed for producing buying into for Games Workshop PLC.

Directing And Implementing Research At Grand Valley State...

Directing and implementing research this summer has increased my understanding of the time and effort it takes to effectively accomplish a desired study. This study has given me first-hand experience into the field of research, while increasing my interest in connecting research to a part of my future career. In social work and psychology, research is constantly incorporated to evaluate social norms, effective treatment plans, and case studies. Each research study is conducted differently, but seems to follow a similar pattern of tasks and goals in order to complete a study effectively. I found myself learning the most about the research process during the submission of my IRB. Even though I have taken advanced research classes at Grand Valley State University, I have not been required to submit an IRB for our study due to the minimal harm we had for the participants. For this study, Dr. Youker and myself spent over a month developing our proposal for the IRB and found ourselves cons tantly critiquing the requirements needed to ensure that our participants were safe during our study. The IRB process created a great amount of stress in my research process due to the constant editing, but it gave me an understanding for why ethics are in place to keep participants safe. 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Baptism Its Meaning and Functions Free Essays

Baptism By Reshma Soodeen Caribbean Nazarene College In partial fulfilment of the requirements for Course: DT 200 Survey of Theology Lecturer: Mrs. Donnamie Ali Date: April 15, 2013 Introduction Baptism seems to be one of the most controversial points of doctrine and therefore, there are many traditions and teachings regarding the subject. According to Purkiser (1978), the concept of Baptism varies greatly in theological significance as well as mode. We will write a custom essay sample on Baptism : Its Meaning and Functions or any similar topic only for you Order Now In terms of believes, the continuum extends from infant baptism to adult believer’s baptism. Some groups argue that full immersion into the water is necessary during baptism, while others argue that it is not. The idea and significance of Baptism varies tremendously in the different branches of the Christian churches. Baptism is mentioned several times in the bible. In Matthews 3:2-12, John preached to the Jews, that they should repent for their sins in preparation for the coming of the Kingdom. He spoke about Baptism with water as well as baptism with the Holy Spirit and fire. The belief is that Baptism accomplishes the washing away of sin. Acts 2:38, â€Å"†¦Then Peter said unto them, Repent , and be baptized every one of you in the name of Jesus Christ for the remission of sins, and ye shall receive the gift of the Holy Ghost†¦Ã¢â‚¬  The Bible also states that, on judgement day, Jesus will judge all who has lived, and separate the saved from the unsaved. The saved will go to eternal life in the Kingdom, while in unsaved will be cursed with eternal punishment. (Matt. 25:31-46). With this in mind, one can see the importance of finding the answer to the question, What can I do to be saved? Romans 3. 23 states that all have sinned and fall short of the glory of God. This means then that everyone is in need of salvation. According to Acts 4. 12, salvation comes through Jesus Christ alone. To be saved one must hear the good news of Jesus Christ (Romans 10:14), Believe that Jesus Christ is the son of God (Hebrews 11:6; Acts 8:37; Mark 16:16; John 8:24), Repent of our sins (Luke 13:3), Confess faith in Jesus Christ ( Romans 10:9), be Baptised (Acts 2:37-41; Peter 3:21; John 3:3-5; Acts 22:16; Romans 6:3-8; Colossians 2:12; Galatians 3:26-27; Mark 16:15-16 and Ephesians 4:5), remain faithful and carry one’s cross daily (Rev 2:10; Matt 24:13; Luke 9:23). In the most basic terms, baptism can be thought of as a sign and seal of the covenant of grace. It is a symbol which points to the idea of a greater reality. When the church performs baptism, it testifies to the death, burial and resurrection of Jesus Christ and signifies the sinner’s union with Jesus in all that he did and accomplished on behalf of mankind. Baptism along with the Lord’s supper or communion, is also a seal. In baptism the Lord places his mark upon the baptized. The repentant and professing Christian receives the seal of heaven’s ownership. Powell 2008). This paper will look at Baptism with water as well as, its meaning and its functions. What is Baptism? Baptism is the outward sign of accepting Jesus Christ. Although baptism by itself does not save, baptism and salvation goes together. Baptism is something that one does after they have accepted Christ into their lives. There are many questions surrounding the concept of baptism, two of which are: should infants be baptized and should it be full immersion or is sprinkling sufficient? These questions go back to about 400 AD, to a man named Augustine. Augustine came up with the idea of â€Å"original sin†, which means that at birth, everyone inherits the sins of Adam, and is therefore separated from God from the beginning of their lives. Parents were obviously and understandably concerned about this, and decided to baptise their children in the event of them dying before accepting Jesus Christ as their saviour. Since full immersion of infants would have been risky, they decided to sprinkle the children with water. Matthew 18:10 indicated that children are kept safe by God until they can fully understand the importance of accepting Christ. Take heed that ye despise not one of these little ones; for I say unto you, That in heaven their angels do always behold the face of my Father which is in heaven. (Matthew 18:10) (Swindoll n. d) Baptism symbolises Jesus’s Death Burial and Resurrection. According to Rice (2000), when the word Baptism is used in the Bible, unless otherwise stated, it refers to Baptism by water and that the word baptize comes from the Greek word â€Å"Baptizo†, which means to dip, plunge or completely immerse in liquid. The word â€Å"Baptizo† was also associated with the art of dyeing. Just as in the process of dyeing, the material is completely dipped into the dye liquid and when lifted it revealed a new look, so too in baptism the believer is completely immersed in water. Immersion during Baptism symbolises the death of one’s sins, and the becoming of a new creature, being born again into the household of God and his son Jesus Christ. After immersion one is raised again from sin, to a new life through baptism. Baptism symbolises the death, burial and resurrection of Jesus Christ. Romans 6:4 states that â€Å"Therefore we are buried with him by baptism into death: that like as Christ was raised up from the dead by the glory of the Father, even so we should also walk in newness of life. † (Copeland n. d) Baptism symbolises the cleansing of one’s soul. Baptism symbolises the washing and cleansing of one’s soul. Ananias, when he was sent to Paul in Damascus, said to him: â€Å"†¦ arise, and be baptized, and wash away thy sins†¦ † (Acts 22:16). Peter said to the multitude in Jerusalem â€Å"†¦ Repent, and be baptized every one of you in the name of Jesus Christ for the remission of sins †¦ † (Acts 2:38). Paul, writing to the Corinthians and reminding them of their position in Christ, said â€Å"†¦ but ye are washed, but ye are sanctified, but ye are justified in the name of the Lord Jesus †¦ † And to the Ephesians he refers directly to the medium of this cleansing when he says: â€Å"That he might sanctify and cleanse it with the washing of water by the word† (Eph. :26). (Hoeck 1998). It is the Lord’s promise that the same way that water washes away dirt, the blood that was shed by Jesus Christ, washes away sins of those who accept him. ( Albani n. d) Baptism is an act of obedience Baptism is an act of obedience, which should be an immediate part of one’s acceptance of the gift of grace offered by Jesus Christ. Matthew 28:19 says, â€Å"Go therefore and make disciples of all the nations, baptizing them in the name of the Father and the Son and the Holy Spirit. At the beginning of his public ministry, Jesus Christ himself took water baptism by immersing in River Jordan in order to fulfil all righteousness. (John 3:3). The Word of God asks believers to follow Jesus’s steps of humble obedience, which includes water baptism. John the Baptist called the Jews to confess their sins and demonstrate repentance through immersion in the Jordan River. Jesus, who is without sin, joined the crowd at the river and asked John to baptize him. By following his example in the waters of baptism, believers are publicly confessing their faith in the Saviour and identifying themselves with Him. In a conversation with Nicodemus, Jesus declared, â€Å"I tell you the truth, no one can see the Kingdom of God unless he is born of water and spirit† 1 Peter 2:21, †¦ â€Å"because Christ also suffered for us, leaving us an example, that ye should follow his steps:† Baptism is an act of obedience to God after salvation. (DeMichele n. d) Baptism unites believers with Christ Baptism represents the sinner’s spiritual union with Jesus in his death, burial and resurrection. Romans 6. 1-5, â€Å"†¦What shall we say then? Shall we continue in sin, that grace may abound? God forbid. How shall we, that are dead to sin, live any longer therein? Know ye not, that so many of us as were baptized into Jesus Christ were baptized into his death? Therefore we are buried with him by baptism into death: that like as Christ was raised up from the dead by the glory of the Father, even so we also should walk in newness of life. For if we have been planted together in the likeness of his death, we shall be also in the likeness of his resurrection†¦Ã¢â‚¬  Those who are united with Christ died when Christ died, were buried when Christ was buried and just as Christ rose, they too rise out of the water to a life of righteousness. Of course the dying, burying and rising are all symbolically represented in the act of baptism. Because of their unity with Christ by faith, they receive the benefits of Jesus’ death, burial and resurrection. Believers, through faith, participate in all that Jesus did and therefore, baptism can be seen as a picture of that spiritual reality. Baptism is the sacrament that unites believers with Jesus Christ and makes them members of God’s family. Through the power of the Holy Spirit, baptism initiates believers into the Church, bestows the promise of God’s grace upon them, assures that God will forgive their sins and calls them to a life of Christian service and fulfilment. Through baptism believers become adopted sons and daughters of the God. At the very moment of adoption, the children of God receive their inheritance which is eternal union with God. (Brito, 2008) Baptism provides an eschatological confidence that the life in Christ is a never ending life. â€Å"Now if we be dead with Christ, we believe that we shall also live with him: Knowing that Christ being raised from the dead dieth no more; death hath no more dominion over him. For in that he died, he died unto sin once: but in that he liveth, he liveth unto God. † (Romans 6:8-10). These verses reveal an important link between the doctrine of baptism and the doctrine of eschatology. Because one is united with Christ, in his death and his resurrection, through Baptism, the believer has confidence of a future resurrection. Baptism makes the believer an adopted child of God, a sharer in God’s nature, a co-heir with Christ, and a temple of the Holy Spirit. Baptism is said to be the seal of eternal life. This seal is for â€Å"the day of redemption†, when Christians who is faithful to the seal, will die â€Å"narked for eternal life†, with the hope of seeing God. The eternal life that is spoken about here is a life that is meant to be enjoyed in the Kingdom of God. John 3:16 states, â€Å"For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. † This clearly states that the condition for having eternal life is believing and identifying with God. Baptism into death followed by a figurative resurrection to â€Å"newness of life† constitutes the way of salvation. Romans 1:16, â€Å"For I am not ashamed of the gospel of Christ: for it is the power of God unto salvation to every one that believeth; to the Jew first, and also to the Greek†, clearly states that salvation is reserved for those who truly worships. Powell 2008) Baptism has a corporate significance According to Powell (2008), baptism has a corporate significance. Baptism along with the Lord’s Supper (communion), establishes the church as the body of Christ. This means that the entire church is the body of Christ and lives in union with God. The focus here is not the number of members in the church, or their great diversities, but that together they make up the body of Christ. â€Å"For as the body is one, and hath many members, and all the members of that one body, being many, are one body: so also is Christ. (1 Corintians 12:12). Water baptism as well as acceptance into church membership, are practices taught and commanded in the scriptures. The function of baptism however, is to recognise and not to effect actual membership in Christ. Kay (2003), states that since the early years of Christianity baptism has been considered the rite of initiation into the Christian community. In the body of Christ, all members share in a common dignity, and therefore, there is no inequality resulting from race, nationality, social status or sex. The Apostle Paul states, â€Å" †¦There is one body, and one Spirit, even as ye are called in one hope of your calling†¦Ã¢â‚¬  Likewise 1 Corinthians states, â€Å"†¦For by one Spirit we were all baptized into one body—whether Jews or Greeks, whether slaves or free—and have all been made to drink into[a] one Spirit†¦Ã¢â‚¬  In Baptism believers change masters, and separate themselves from the world of sin. Baptism represents a change of masters. Man passes from one master to another. Everyone must have a master and by divine grace, some have already chosen their master by accepting Jesus Christ as their saviour. Those who now believe in Jesus Christ and are now free from sin, was once living in sin and were slaves of sin. In Romans 6, Paul described sin as a cruel, master that enslaves humans and uses them as tools of wickedness. Although Christ’s death has made it possible for one to be freed from sin, it does not mean that one is free to follow his or her own path. What it means is that one has had a change of masters, and should live in a way that will be pleasing to Christ. Believers would have experienced a change of ownership, and as a result they now belong to a loving, holy and righteous God. They now strive towards the goal of obedience to God which will result in eternal life. Paul wrote, â€Å"Thanks be to God that though you were slaves of sin, you obeyed from the heart the pattern of teaching which was delivered to you, and having been made free from sin, you have become slaves of righteousness. † (Romans 6: 17-18) (Newton 1998) Paul indicated that there were two elements involved in liberation from the control of sin. Firstly one must obey from the heart, and therefore forcing someone to â€Å"ritualistically obey† has no value. Paul stated that one dies to sin and is liberated from its control when one is buried with Christ and is motivated to obey God; baptism is the moment when their ownership changes. â€Å"Knowing this, that our old man is crucified with him, that the body of sin might be destroyed, that henceforth we should not serve sin. For he that is dead is freed from sin. †(Romans 6:6-7). This doctrine of sanctification, developed by Paul, is normal and expected of believers as a result of their union with Christ, through Baptism. The former self is dead by virtue of immersion into Christ and therefore the believer is no longer a slave of sin. Baptism signals and signifies a new master, Jesus Christ. 2 Corinthians 5:17 states , â€Å"Therefore, if anyone is in Christ, he is a new creation, old things have become new. Therefore having died to sin in baptism, the new man in Christ is now freed from sin. † Baptism is a covering in Christ Nakedness was depicted as a state of sin (Rev 16:15), when sin first entered the world, that moment of disgrace and fear, when Adam and Eve recognised that they were naked and made garments out of fig leaves to cover their nakedness (Gen 3:7). God assured them that their man-made covering was not enough to rid their sins, and he stripped them of it and provided them a covering of his own. Just as Adam and Eve were covered with the covering of the Lord, so too, believers must also â€Å"put on† Christ, and baptism is the divinely appointed way of doing this. â€Å"For ye are all the children of God by faith in Christ Jesus. For as many of you as have been baptized into Christ have put on Christ. There is neither Jew nor Greek, there is neither bond nor free, there is neither male nor female: for ye are all one in Christ Jesus. (Gal 3:26-28) Conclusion The idea and practice of baptism seems to be a divisive subject in the Christian community. Some think that it should be reserved for people who are old enough to make a mature commitment to Christ, while others believe that it is legitimate for the children of Christian parents to be baptised as a sign that the family is united in following Christ and to save the chil d in the event that he or she does not get the opportunity to accept Christ before dying. Nevertheless baptism is regarded as an outer expression of an inner spiritual reality. It symbolises Jesus’s death, burial and resurrection and unites believers with Christ in the Kingdom of God. Baptism itself does not save, and therefore a person must be a Christian before the actual, public water baptism. Repenting of sins and accepting the sacrifice of Jesus on the cross is what assures believers of salvation. When believers come to Jesus in this way, they are completely forgiven of their sins by God. This is atonement. When a person accepts Jesus, the Holy Spirit dwells in their hearts, and they become new creations, with a new hope and a changed life direction. They are set free from the power of sin to live a new life in Christ. This is redemption. Such peoples’ hope is in God’s kingdom. They seek Jesus and his Kingdom as of first priority. (Matt 6:33) They become children of God. They are saved and God sees them as his precious children. As they live out their journey on earth, they grow in Jesus’ likeness, his holiness, and in his image. This is sanctification. Baptism is a symbol and public declaration of faith. It reveals atonement, redemption and sanctification. Baptism was commanded by God. It is an act of obedience. In the New Testament, baptism is about conversion and discipleship. Baptism has corporate significance. The church is seen as a separate entity from the world, and faith and baptism are the distinguishing marks of followers of Christ. Baptism is the sign of becoming a disciple of Jesus (Matthew 28:18-20); it is dying to the old, pre-Christian way of life and rising again to a new life as a follower of Jesus (Romans 6:1-11); it is new birth into the Kingdom of God (John 3:5). As a disciple of Christ, it’s important to publicly stand with Him in celebrating a new life. That makes baptism a great first step for a new follower of Christ to take! Reference Albani, F. Is baptism necessary for salvation? http://www. bibleprobe. com/baptism. htm Retrieved on 26/03/2013 Brito, U. United with Christ in Baptism. http://apologus. wordpress. com/2008/10/31/united-with-christ-in-baptism/ Retrieved on 26/03/2013 Copeland. K. Understanding Water Baptism http://www. kcm. org/real-help/article/understanding-water-baptism Retrieved on 01/04/2013 DeMichele, R. Beleiver’s baptism in the Bible. http://www. biblebelievers. com/DeMichele1. html Retrieved on 23/03/2013. Hoeck B. Repentance Baptism: Coming to God. http://www. truthontheweb. org/baptism. tm Retrieved 26/03/2013 ( copy this address into the address bar and it will open) McPherson J. Fundamental Wesleyan Society http://www. fwponline. cc/v16n1/v16n1joemac. html Retrieved on 01/04/2013 Newton, B. (1998) A change of ownership. http://www. sjchurchofchrist. org/websitepublisher/a-change-of-ownership-. html Retrievedon 12/04/2013 Swindoll, R. (n. d) Signposts Along Life’s Journey ( 1997), Insight for Living. http://www. clarifyingchristianity. com/get_wet. shtml Retrieved on 10/04/2013 http://www. biblelight. org/bs15. htm http://www. atgrace. com/information/general/baptism/purpose-baptism How to cite Baptism : Its Meaning and Functions, Papers

Hyderabad Visioning - Restructuring and Making af a High-Tech City

Question: Discuss about the Article for Hyderabad for Visioning, Restructuring and Making af a High-Tech City? Answer: Five things you should know about Hyderabad, India Hyderabad, the capital of Andhra Pradesh and the new state Telengana is renowned as the City of Pearls. The city was found in the year of 1591 by Muhammed Quli Qutub Shah. The Nizams ruled Hyderabad until 1948 until operation Polo, under Sarder Patel, united it with India. It remained as a state in Union of India until it became Andhra Pradesh in the year 1956 (Case). One part of the city is viewed like a stretched necklace from the sky and it is situated around the famous artificial lake named Tank Bund (CC) (Montealegre 35). A Buddha statue of 18 meters high was situated in the middle of the lake and is made up of white granite rock. Hyderabad houses Ramoji Film City the largest integrated film city of the world (Das 52). Besides, being the second largest film industry in the world, Hyderabad is also renowned for the booming IT industry among the Indian States (TWP). Since, Hyderabadi Hindi is quite different from the regular Hindi; it is neither very easy nor very tough to speak (SC). The Koh-I-Noor, one of the largest known diamonds originally sourced from Kollur mines in Hyderabad, but currently, it is under the ownership of the Royal Collection in Britain (CC) (Kit 423). It becomes difficult for the President of India to operate the official responsibilities from Delhi during the chills in winter, so, Hyderabad has been chosen as the substitute retreat for political duties (CC). References Das, Diganta. "Hyderabad: Visioning, Restructuring And Making Of A High-Tech City."Cities43 (2015): 48-58. Kit, Oleksandr, Matthias Ldeke, and Diana Reckien. "Defining the bull's eye: satellite imagery-assisted slum population assessment in Hyderabad, India."Urban geography34.3 (2013): 413-424. Montealegre, Ramiro. "A Process Model of Government Intervention and Capability Development: Lessons from the Technology Cluster Formation in Hyderabad, India."Journal of Global Information Technology Management15.1 (2012): 25-52.

Violence Dont Play That Game Essays - Video Game Censorship

Violence: Don't Play That Game? Violence: Don't Play that Game? A while back a senator said that violence in computer games is completely outrageous and is amazingly influential on our youth. We'll just randomly choose a name by which to call him and randomly choose a state that he represents. We'll call him Joseph Lieberman of Connecticut. Oops, that seems to be his real name and state..... Anyway, Joe believes that violence is simply appalling and that games should not have violence. Well, here are my reasons why violence is not bad in computer games: people are not persuaded to commit amazingly bloody crimes by them, there are ratings on games, and also, movies can have all the violence they please and the rating can justify it all. Let us examine these. Many people would say I am wrong about this one. I say violence does not affect people that much when they are playing a game. I hope that our species has evolved enough to tell the difference between a 15 screen full of pixels and the real world. I hope they realize that the violence on these screens is quite fake, and that in the real world this violence will not be put up with. What is that I hear? It desensitizes people to violence. Let us take a look at this. You've been playing violent computer games since you were five. Violence no longer affects you. Are you going to take a gun to someone's head just because violence is no big deal to you? You probably will not. I can hear Joe now. Mechwarrior 2 is violent and should not have all this violence. Now, if you are familiar with Mechwarrior 2 then you know it is a game that you play as a robot destroying other robots. Little Billy sees this and decides he'll get dad's robot out and do some damage. There is a reason for you right there why game violence is not that persuasive. A lot of it is not completely real. Furthermore, violence has been in movies for a lot longer and children have not been too influenced by it. Eighty-seven percent of violent crimes are committed by adults. Do you think all this violence is really getting the kids to become more violent? Now, people probably are not convinced yet. You are saying little Billy, 5 years old, in this state of complete malleability will play monkey see monkey do (I put this in quotation marks because of how demeaning it is calling people monkeys, but I lack a better saying so I used it) and take dad's shotgun to a buddy and blow him away a la Quake. This is why games have ratings. You know, those little rectangles that say T for Teen rating because of violence, gore, vulgarity or what-not? Yes, contrary to what you might have heard, that is a rating. It means that if parents are responsible they will not let Billy get Quake. If you happen to have games that are not appropriate for your kids you are not out of luck. Daggerfall has parental controls and password protection to keep your kids from seeing the violence. Many companies do this. It's another way moldable young children are protected from violent games. I have one last point to make. Sen. Lieberman finishes his press conference that bashes computer game violence. He then takes a walk to the local theater and purchases tickets to take his 10-year-old to see Saving Private Ryan . Do find anything wrong with this picture? He accepts violence in one form but completely denies it in another form. Movies have ratings to protect children from violent content. They can get away with anything and it has not really affected kids in the past. Then a new form of expression, computer games, pops up into the picture. Now people are saying the violence is overbearing when really they are ignoring the fact that the everyday news has more violence than your average computer game! Take into consideration movies and then the violence in computer games is greatly dwarfed. Well, Joe, did I miss anything? Computer game violence does not seem to affect people; games do have ratings, and there is already so much violence on TV and in society that the violence in computer games is not adding too much to the equation. I think that if you are

Bank of England Essays

Bank of England Essays Bank of England Essay Bank of England Essay The Bank of England. is the cardinal bank of the United Kingdom. Established in 1694. it is the 2nd oldest cardinal bank in the universe. and the world’s 8th oldest bank if you include commercial Bankss. It was established to move as the English Government’s banker. and to this twenty-four hours it still acts as the banker for the U. K Government. the Bank was in private owned and operated from its foundation in 1694 but it was nationalised in 1946. The bank of England has approximately ?156 billion lbs deserving of gilded metal bars as a backup if people start to inquire for their money back. the bank besides acts a keeper for other counties gold. including Germanys and assorted other counties. History The constitution of the bank was devised by Charles Montagu. Earl of Halifax. in 1694. He suggested loan of ?1. 2m to the authorities ; in return the endorsers would be incorporated as The Governor and Company of the Bank of England with long-run banking privileges including the issue of notes. The Royal Charter was granted on 27 July through the transition of the Tonnage Act 1694. Public fundss were in hapless a status at the clip that the footings of the loan were that it was to be serviced at a rate of 8 % per twelvemonth. and there was besides a service charge of ?4. 000 per twelvemonth for the direction of the loan. The first governor was Sir John Houblon. who is depicted in the ?50 note issued in 1994. The Bank’s original place was in Walbrook in the City of London. unitl it moved to its current location on Threadneedle Street. and thenceforth easy acquired neighbouring land to make the bulding seen today. When the thought and world of the National Debt came about during the eighteenth century this was besides managed by the bank. By the charter reclamation in 1781 it was besides the bankers’ bank – maintaining adequate gold to pay its notes on demand until 26 February 1797 when war had so lessened gold militias that the authorities prohibited the Bank from paying out in gold. This prohibition lasted until 1821. The 1844 Bank Charter Act tied the issue of notes to the gold militias and gave the bank exclusive rights with respect to the issue of bills. Private Bankss which had antecedently had that right retained it. provided that their central offices were outside London and that they deposited security against the notes that they issued. A few English Bankss continued to publish their ain notes until the last of them was taken over in the 1930s During the period which lasted from 1920 to 1944. the Bank made calculated attempts to travel off from commercial banking and go a cardinal bank. In 1946 the bank was nationalised by the Labour authorities. On 6 May 1997. following the 1997 general election which brought a Labour authorities to power for the first clip since 1979. it was announced by the Chancellor of the Exchequer. Gordon Brown. that the Bank of England would be granted operational independency over pecuniary policy. Under the footings of the Bank of England Act 1998 which came into force on 1 June 1998. Location The Bank’s central office has been located in London’s chief fiscal territory. the City of London. on Threadneedle Street. since 1734. The busy route junction outside is known as Bank junction every bit good as the tubing terminus called Bank’ . Employees The bank presently employees around 1900 people. Sir Mervyn King is the most executive figure within the bank. he so has two deputies under him who are called Charles Bean and Paul Tucker. there are so 10 managers under them responsible for the mundane determinations of the bank and its subordinates. Functions of the Bank The Bank of England performs all the maps of a cardinal bank. The most of import of these is supposed to be maintaining monetary value stableness and back uping the economic policies of the British Government. therefore advancing economic growing. There are two chief countries which are tackled by the Bank to guarantee it carries out these maps expeditiously. Monetary stableness – stable monetary values and assurance in the currency are the two chief standards for pecuniary stableness. Stable monetary values are maintained by doing certain monetary value additions meet the Government’s rising prices mark. The Bank purposes to run into this mark by seting the basal involvement rate. which is decided by the Monetary Policy Committee. and through its communications scheme. such as printing output curves. Financial stableness -maintaining fiscal stableness involves protecting against menaces to the whole fiscal system. Menaces are detected by the Bank’s surveillance and market intelligence maps. The menaces are so dealt with through fiscal and other operations. both at place and abroad. In exceeding fortunes. the Bank may move as the loaner of last resort by widening recognition when no other establishment will. The Bank of England has a monopoly on the issue of bills in England and Wales. Scots and Northern Irish Bankss retain the right to publish their ain bills. but they must be backed one to one with sedimentations in the Bank of England. demuring a few million lbs stand foring the value of notes they had in circulation in 1845. Since 1998. the Monetary Policy Committee ( MPC ) has had the duty for puting the official involvement rate. However. with the determination to allow the Bank operational independency. duty for authorities debt direction was transferred to the new UK Debt Management Office in 1998. which besides took over authorities hard currency direction in 2000. The Bank used to be responsible for the ordinance and supervising of the banking and insurance industries. although this duty was transferred to the Financial Services Authority in June 1998. After the fiscal crises in 2008 new banking statute law transferred the duty for ordinance and supervising of the banking and insurance industries back to the Bank.

Ancestry of Camilla Parker-Bowles

Ancestry of Camilla Parker-Bowles The second wife of Britains Prince Charles, Camilla Parker Bowles was born Camilla Shand in London, England in 1947. She met Prince Charles at Windsor Great Park in the early seventies. Believing he would never propose, however, she married Army officer Andrew Parker Bowles with whom she had two children, Tom, born in 1975 and Laura, born in 1979. Her marriage to Andrew ended in divorce in January 1995. Interesting Facts One of the most famous individuals in Camillas family tree is her great-grandmother, Alice Frederica Edmonstone Keppel, royal mistress to King Edward VII from 1898 until his death in 1910. Madonna shares a distant relationship with Camilla Parker Bowles through Zacharie Cloutier (1617-1708), while Celine Dion shares descent with Camilla from Jean Guyon (1619-1694). Camilla Parker-Bowles Family Tree This family tree is explained using an  Ahnentafel chart,  a standard numbering scheme which makes it easy to see at a glance how a specific ancestor is related to the root individual, as well as easily navigate between generations of a family. First Generation: 1. Camilla Rosemary SHAND was born on 17 Jul 1947 in Kings College Hospital, London.  She married Brigadier Andrew Henry PARKER-BOWLES (b. 27 Dec 1939) at The Guards Chapel, Wellington Barracks, on 4 July 1973. Their marriage ended in divorce in 1996.1 Second Generation: 2. Major Bruce Middleton Hope SHAND was born on 22 Jan 1917.2  Major Bruce Middleton Hope SHAND and Rosalind Maud CUBITT were married on 2 Jan 1946 in St. Pauls Knightsbridge.3 3. Rosalind Maud CUBITT was born on 11 Aug 1921 in 16 Grosvenor Street, London.  She died in 1994.3 Major Bruce Middleton Hope SHAND and Rosalind Maud CUBITT had the following children:4 1 i. Camilla Rosemary SHANDii. Sonia Annabel SHAND was born on 2 Feb 1949.iii. Mark Roland SHAND was born on 28 Jun 1951 and died on 23 Apr 2014. Third Generation: 4. Philip Morton SHAND was born on 21 Jan 1888 in Kensington.5 He died on 30 Apr 1960 in Lyon, France. Philip Morton SHAND and Edith Marguerite HARRINGTON were married on 22 Apr 1916.6 They were divorced in 1920. 5. Edith Marguerite HARRINGTON was born on 14 Jun 1893 in Fulham, London.7 Philip Morton SHAND and Edith Marguerite HARRINGTON had the following children: 2 i. Major Bruce Middleton Hope SHANDii. Elspeth Rosamund Morton SHAND 6. Roland Calvert CUBITT, 3rd Baron Ashcombe, was born on 26 Jan 1899 in London and  died on 28 Oct 1962 in Dorking, Surrey.  Roland Calvert CUBITT and Sonia Rosemary KEPPEL were married on 16 Nov 1920 in Guards Chapel, Wellington Barracks, St. George Hanover Square.8 They were divorced in Jul 1947. 7. Sonia Rosemary KEPPEL was born on 24 May 1900.9  She died on 16 Aug 1986. Roland Calvert CUBITT and Sonia Rosemary KEPPEL had the following children: 3 i. Rosalind Maud CUBITTii. Henry Edward CUBITT was born on 31 Mar 1924.iii. Jeremy John CUBITT was born on 7 May 1927.  He died on 12 Jan 1958. Fourth Generation: 8. Alexander Faulkner SHAND was born on 20 May 1858 in Bayswater, London.10 He died on 6 Jan 1936 in Edwardes Place, Kensington, London. Alexander Faulkner SHAND and Augusta Mary COATES were married on 22 Mar 1887 in St. George, Hanover Square, London.11 9. Augusta Mary COATES was born on 16 May 1859 in Bath, Somerset.12 Alexander Faulkner SHAND and Augusta Mary COATES had the following children: 4 i. Philip Morton SHAND 10. George Woods HARRINGTON was born on 11 Nov 1865 in Kensington.13 George Woods HARRINGTON and Alice Edith STILLMAN were married on 4 Aug 1889 in St. Lukes, Paddington.14 11. Alice Edith STILLMAN was born about 1866 in Notting Hill, London.15 George Woods HARRINGTON and Alice Edith STILLMAN had the following children: i. Cyril G. HARRINGTON was born about 1890 in Parsons Green.5 ii. Edith Marguerite HARRINGTON 12. Henry CUBITT, 2nd Baron Ashcombe was born on 14 Mar 1867. He died on 27 Oct 1947 in Dorking, Surrey. Henry CUBITT and Maud Marianne CALVERT were married on 21 Aug 1890 in Ockley, Surrey, England. 13. Maud Marianne CALVERT was born in 1865 in Charlton, near Woolwich, England. She died on 7 Mar 1945. Henry CUBITT and Maud Marianne CALVERT had the following children: i. Captain Henry Archibald CUBITT was born on 3 Jan 1892.  He died on 15 Sep 1916.ii. Lieutenant Alick George CUBITT was born on 16 Jan 1894.  He died on 24 Nov 1917.iii. Lieutenant William Hugh CUBITT was born on 30 May 1896.  He died on 24 Mar 1918.6 iv. Roland Calvert CUBITT, 3rd Baron Ashcombev. Archibald Edward CUBITT was born on 16 Jan 1901.  He died on 13 Feb 1972.vi. Charles Guy CUBITT was born on 13 Feb 1903.  He died in 1979. 14. Lt. Col. George KEPPEL was born on 14 Oct 1865 and  died on 22 Nov 1947.16 Lt. Col. George KEPPEL and Alice Frederica EDMONSTONE were married on 1 Jun 1891 in St. George, Hanover Square, London.17 15. Alice Frederica EDMONSTONE was born in 1869 in Duntreath Castle, Loch Lomond, Scotland. She died on 11 Sep 1947 in Villa Bellosquardo, near Firenze, Italy. Lt. Col. George KEPPEL and Alice Frederica EDMONSTONE had the following children: i. Violet KEPPEL was born on 6 Jun 1894.  She died on 1 Mar 1970.7 ii. Sonia Rosemary KEPPEL