Did Government Housing Policy Cause the Financial Crisis Essay

Did Government Housing Policy Cause the Financial Crisis - Essay Example This research will begin with the statement that the global financial crisis that started in the year 2008 had serious negative impacts on the investment in most parts of the worlds. The global financial crisis marked a period of failure of many financial institutions, increase in unemployment and reduction of the capacity to invest. In the Gulf Area, most countries that highly dependent on the oil industry faced a period of reduced investment. Therefore, the period saw an increase in the poverty level as investment reduced and the people remained without jobs. The high unemployment rate and the collapse of the financial institutions cumulatively limited the potential of individuals and corporations to invest. There has evolved a controversy on the possible causes of the global recession different authors providing different perspectives on the same issue. While some agree that the government housing policies that allowed the provision of subprime loans and mortgages was the reason f or the issue, some argue that it was caused by the stagnated workers’ income. From the close look at the problem, it is clear that instability in financial income was a major cause of the problem. The government housing policy required that the banks offer cheap loans and mortgages that the people could afford to buy houses as part of its commitment to house its citizens. As a result, the people shifted their attention from investing to purchase of assets such as cars and houses. According to the economist, the result of the government housing policy was the rise in the greed for money that ended up buying dodgy securities. The idea of the author is that the government policies resulted to use of money, not for investment but in the project that did not generate income. As a result, the people could not afford to back debts and the banks and this is the reason why the banking sector went down just before the financial crisis set in. The Lehman brother’s global bank is an example of the banks that failed because of too many defaulted loans. However, statistics show that the house ownership rate only increased by 4% even after this low, indicating only a small difference from the time when the policy was not in play. This shows that other reasons could have been the cause of the global financial crisis.

Strategic Diagnosis Project of the General Electric Company Research Paper

Strategic Diagnosis Project of the General Electric Company - Research Paper Example This essay stresses that GE aviation caters to commercial as well as military aircraft producers. Their exemplary research and development enables them to manufacture specialized engines for marine applications. GE aviation has a well established research set up, the research work carried out at GE’s research labs are the main reason for their latest and successful aircraft engine designs. GE aviation also provides services like engine exchange, on board service for aircrafts and technology up gradation. The engine exchange service of GE provides innovative solution for delivering the overhaul needs. In this service programme GE replaces the old engines of the aircraft with an overhauled engine. This service helps commercial and military aircraft operators in acquiring a fully functioning engine while their engine is removed for maintenance purpose. This paper makes a conclusion that the On wing support service of GE provides value added repair facility for customers at anyplace and at any time. This helps the aircraft operators to lower their operational cost and maximize their profit. GE aviation also offers various upgraded technologies for the aircraft running in old engines. This service provides the aircraft operators a cost effective way of upgrading their engines without incurring the cost of new engine. These up gradation are provided in customized packages to address each client requirement specifically.

Aims And Objectives For An Organisation

Aims And Objectives For An Organisation Researcher will fulfill the aim and objectives of the topic by elaborating the topic in depth as the aim and objective of the topic research is to know about the ways in which the employees motivation could be enhanced by implementing plenty of strategies. This research investigates the factors which effect motivation level of employees related to their behaviours particularly in work environment of corporate culture. The researcher aim is to research and explore the significance of certain motivational factors either intrinsic or extrinsic in satisfying and motivating employees in an organization. At the end the researcher draw some strategies for management department that how these strategies can improve the satisfaction and motivation of workforce. Following are the objectives of this research: To explore the factors which can motivate and satisfy the employees of a private and public organization? To explore the critically understanding about the employees motivation in the light of different theories. To explain the factors which affect some employees more motivated than others to do their job roles efficiently. To discuss the things which make some employees more or less satisfied in their work than others. Literature review Each body has his or her likes and dislike, interests, passions, craves and desires. The main role of the successful manager is to learn how to identify motivates each employee, and how to influence those motives to simultaneously fulfill the goal of the organization, as well as the goals of each employee. Motivation theories There are many theories at motivation given by the different authors that are elaborated below to catch the research topic in depth. The idea that all people have inner driving forces that motivates the people promptly to do certain activities. This is very old idea, in use long before the appearance of what we now call theories of motivation. There was the Hawthorne Studies (1939) which gave new thinking to the new school of management thinking, the human relations movement. The most ideas about it, are that the people have social needs that are as vital as the economic imperative. There are two groups of the theories known as process theory and content theory that are further extended. Content theory assumes that people strives to satisfy of deep rooted needs. While they differ in terms of their assumptions about the relative importance of different needs, it is the craves to satisfy them that is said to energize behavior. Maslow needs theory Maslow work (1954) is based on the assumption that human needs are inexhaustible. As one set of the needs is satisfied the anther set of need come to open in its place which means that needs are arranged in a hierarchy as shown below in the form of pyramid of five levels. Here physiological needs are most basic of all and arise from internal physical imbalance such as hunger, thirst, warmth and shelter. Security needs are promoted by the strong and hard social nature, freedom from pain or destruction, emotional security and well being. Affiliation needs are promoted by the strong security nature. As most of the people enjoy feeling of love, like relation and support from others. Maslow theory has a number of highly important assumptions, two of which have significant implication for the motivation. He argues that different level of needs are universally addressed sequentially that mean the needs are one level will not normally play a vital part in motivation. Strong issues The idea that the hierarchy is universally applicable no account of cross culture difference. It is patronizing and elitist in term of the values it expresses. Maslow ideas have a mystic, metaphysical quality that is largely the result of armchair theorizing and often contradicted by the research evidence. Alderfer ERG theory In 1972, he also introduced the idea of hierarchical ordering but this has only three levels. Existence Relatedness Growth In his theory, different levels are viewed more as a continuum than as discrete categories. He does not measure a sequential progression up the hierarchy, but permits for more than one level to be open or active at same time. Although he suggested that satisfaction of needs at one level will lead to the someone seeking satisfaction at the level above. Issue Alderfer theory has got little empirical testing beyond that done by its author. He argues that the theory could be a more powerful but empirical elaboration of the effects of needs than Maslow ideas (Alderfer 1972). Herzberg two factor theory Motivators link to the factors which are intrinsic in nature like appreciation for a job task done is highly motivating. While hygiene factors referred to extrinsic forces e.g. relationship with colleagues which dont actually relate to the employees actual job. According to Mullins (1993) intrinsic or motivators factors are attach to work content and lack of intrinsic or motivators factors doesnt demonstrate extremely de-motivating or dissatisfying. For that reason, these elements are expressed as motivators or satisfier. The hygiene factors linked to the work conditions. These factors do not direct to the enlarged satisfaction or work participation though, if these factors are not found or absent then the effects will be de-motivation and dissatisfaction for example low wage rates. Because these factors are essential to the extent of no de-motivation or dissatisfaction these are called the hygiene or dissatisfiers factors (Leopold, 2002). According to Rainey (1999) the hygiene or dissatisfiers are the factors which are not directly concerned in motivation of employees but its interesting that these factors are important to give a sound base to beat the employee dissatisfaction and de-motivation. However, its not essential that if we improve the hygiene or dissatisfiers factors that result in motivation. Herzberg represented a theory in the light of employees performances and attitudes which is called Herzbergs two factor theory. Herzberg recognized two categories of factors which influenced the work and motivation. First category of sets called hygiene factors and the other set of factors called motivators factors. Hygiene factors contain employment security, pay, organizational policy, status and interpersonal working relationships. Absence of hygiene factors cause dissatisfaction and de-motivation at work place. Motivator factors include success, development, nature of work it-self, respect, recognition and responsibility. Absence of motivator factors caused motivation and satisfaction (Leopold, 2002). Figure 1 is the pictorial form of these factors as followings. Issues There are some issues allocated by some researcher about Herzbergs theory that the finding gathered from a small number of samples can be generalized to the whole industry. For instance, the outcomes from the research on a small engineering unit could be applied to other professions or not. Other scholars are not happy with the Herzbergs methodology and procedure followed for conducting the research because that research methodology involved individual to consider the critical incidences from their past which make them either delighted or sad. Some other researcher are also not in his favor that Herzbergs theory was not give any clear justification that why some intrinsic and extrinsic factors motivate or satisfy the individual and why influence their work (Rousseau,1997). Extrinsic and intrinsic motivation Employee motivation at work can be split up into two kinds on the behalf of classic literature and practical research as one is extrinsic motivation and second is intrinsic motivation (Donovan, 2001). Extrinsic motivation is a form of motivation where employees fulfill its needs and desires through indirect means particularly through the financial compensation, In point of Thomas (2000) view. On the other side, intrinsic motivation come into action when employees behavior is inclined towards the fulfillment of natural psychological desires and needs rather than to attain material incentives (Marks, 2001). In all form of organizations small, medium or even large both extrinsic and intrinsic types of motivation can motivate and satisfy employees to perform their job at work place. However, extrinsic and intrinsic motivations both have very diverse effects on the individual mind-sets, feelings to job performance, passion to complete work and level excellence for performance (Amabile, 19 98). Hoar Rebecca (2004) said that even though the extrinsic motivation can effect in opposition direction to the intrinsic motivation but it also have an emphasizing effect on the intrinsic motivation. Top management to bottom line supervisors, all plays a vital role in formulating the factors which have an involvement on motivational forces (Synder et al, 1997). Administration should have the capabilities to deal efficiently with all kinds and forms of employees motivation if they want to see their organization to progress and growth in future. Employees are extrinsically or intrinsically motivated as a part of their social setup, the form of job and the kind of incentive scheme they are gaining and so on. Gopal (2003) recommended that different people have different capabilities they have to select their career accordingly. Person who have desire for rapid growth and like to use power will most likely be motivated by the kind of jobs that have high ability, job identity, performance impact, independence and feedback. While the other people who are not good in growth and desire strength would not much affected by these feature of their work.

Discuss the Extent to Which a Vegetarian Diet Is Healthy

Discuss the extent to which a vegetarian diet is healthy. To say till what extent a vegetarian diet Is healthy. First of all need to understand what vegetarian diet is and what is mean to be healthy. Among the areas of non-traditional food, vegetarian diet is one of the oldest and most common. Vegetarianism – is an ancient healing nutrition system, which has a deep philosophical meaning, and assuming certain lifestyle.Healthy meaner – a state of complete physical, mental and social wellbeing and not merely the absence of disease or infirmity. However, to adhere vegetarian diet have both positive and negative sides. Mainly, vegetarian diet negatively affect oldest people. Firstly, how healthy vegetarian diet is depends only on the scale of vegetarianism. Vegetarians refusing meat and all animals products, are highly at risk of vitamin B-1 2 deficiency, especially additives are necessary for females during pregnancy and for child of vegans.On the other hand, locator-vivo- vegetarians have no nutrition risk. They don't get ham iron from meat, however they insensate It with consumption of non-ham Iron from ascorbic acid (Thronged et al 1994). Generally, refusing to meat, decrease possibility to obtain coronary heart disease, hypertension, obesity and conceivably even some cancers. Secondly, scientific studies have established that people who support vegetarianism are lighter in weight than their meat-eating opponents. The distinction of 1 unit of IBM was found by the EPIC study in the Oxford cohort (Spencer et al 2003).Furthermore, lower IBM decrease rate of type 2 diabetes and gallstones. In opposition, DIM start decrease rapidly over the age 60 in vegetarians and mainly in vegans, which leads to complication to control muscle mass. According to this, old vegans suffer from respiratory disorders which Influence high mortality among them. Nonetheless, the positive side of lower IBM shows in younger persons, what helps them in lifestyle move faster and be more flexible. Finally, the consumption of meat usually relates with saturated fat, when plant protein is commonly associated with fiber.To be healthy, in all ages, vegans should obtain recommended amount of protein and energy, arguments was presented by national and international recommendation for protein intake by Langley (1995). Adding to this, exceeding daily rate of energy and protein may result health adverse circumstance such as COD_ To reduce risk of CHOC, simply lifestyle changes should be made such as being physically active, eating healthy not saturated fat food and have a balanced diet. Moreover, there are some other benefits to keep your health e. G. Reduce risk of stroke and dementia.Taking everything Into account, vegetarian diet revised a plenty evidence which be able to increase your resistance to different sort of diseases, also prevent from obesity and deadly illness. In my opinion follow vegetarian diet and exclude meat from dally ration In some case brings many profits to your body and health. But, not all sort of people can stand by vegetarian diet or become vegans, in each case there is an exception such as pregnant women and old people that may adversely attest their health, and bring even more harm to their body.

A Review of Lower Isee Essay Samples

A Review of Lower Isee Essay Samples How to Choose Lower Isee Essay Samples When you've answered that in your very first paragraph, lay out a few paragraphs that support your primary idea. Basically, private schools wish to find you've strong grammar skills, which you can articulate your thoughts, and you may coherently string together sentences. Practice writing to a prompt often so that you're comfortable addressing various topics and issues. As you're writing, review the sentences before the one which you're currently writing, and be sure your sentences are aligned. The Fundamentals of Lower Isee Essay Samples Revealed Every one of the topics gives an opportunity for those students to introduce themselves individually telling a story for their personalities. You should have your reasons, and our primary concern is that you wind up getting a great grade. A fantastic score is one which will get you into the school of your choice, or so the answer is dependent upon which s chool that you want to attend. Top Lower Isee Essay Samples Secrets Knowing the tests and the way in which they differ can aid you with your choice. Practice working with the timer as you are going to have to try out the true testing conditions. Requests for other exceptional accommodations must be drawn up at least two weeks before the test date. If your test was rescheduled to a date you'll be able to attend, no extra action is necessary. Where to Find Lower Isee Essay Samples The synonym component tests the student's capability to pick out a word that's just like the target word. The course materials which you need to speak about within an academic essay can reflect your degree of understanding about the discipline. In fact, the essay is a little bit of an enigma. In other words, an academic essay may be an evidence of the depth of your research procedures and the rest of the activities which you've executed so you can support the content of your written output. The N uiances of Lower Isee Essay Samples An academic letter isn't just a document that can showcase your mastery when it has to do with a specific academic subject. While the essay doesn't get a total score, it's photocopied and sent to every school. Instead, have a minute to skim over your essay and establish any little errors you might have left behind. An individual should use simple words and construct proper sentences so as to compose a great essay. It is implied that you minimize errors so as to create a neat copy. In addition, you must rewrite the prompt on top of the very first page. Every one of the results pages for the complete tests consist of thorough explanations of the appropriate answers and important info on critical concepts. Even though this needs to be an extremely speedy procedure, it's your opportunity to discover obvious errors before turning in your final copy. The Fundamentals of Lower Isee Essay Samples Revealed It is normal for students to select the SSAT 2-3 times. Students lead busy lives and frequently forget about an approaching deadline. For that reason, it's suggested that students work hard and utilize the suitable study resources to attain their goal and brighten their schooling career. The students are given 30-minutes to supply a written reaction to one. Lower Isee Essay Samples: No Longer a Mystery The ISEE essay isn't scored, but it is going to automatically be sent to schools together with the remainder of your report. The ISEE test is offered in paper-based and internet formats. ISEE practice tests in addition to other resources are offered for students who might have to take it. Be sure you're employing the proper ISEE practice tests for your distinct level. Essays aren't meant to be utilized as stream-of-consciousness writing, but need to contain academic, formal writing styles. Even though the essay isn't graded, as we'll discuss below, it's still an essential portion of the test. While it is not scored, it gives students an opportunity to express themselves. Your essay needs to have a very clear introduction, 2-3 paragraphs of body and an intriguing conclusion. The Lower Isee Essay Samples Trap Now, however, there's a new method of applying to independent schools. The schools who read your sample aren't likely to know that you're an incredibly speedy writer--but they will have the ability to tell how much effort you place into your sample. A truc king provider transports 8,000 pounds of tomatoes each and every day. There are many businesses that are true to their promise of delivering not simply a fantastic high quality paper but in addition incredibly great rates that anybody can can pay for.

Movie Review Where re We Going - 1323 Words

â€Å"Where’re we going?† Castle asked once they were pulled out onto the street. â€Å"You,† she started, â€Å"Are going home.† He took in a sharp breath and stiffened his tone. â€Å"Kate, you’re not doing this on your own. I’m your partner, and I’m going in right beside you.† The muscles of her jaw that weren’t hidden by her chestnut curls visibly tightened, and her gaze remained locked on the road. She let out a shuddering breath, then spoke. â€Å"That’s what you said before we walked into that building.† â€Å"What†¦Ã¢â‚¬  He stopped as it dawned on him what she was referring to. â€Å"Castle, stay here,† Beckett ordered as she strapped on her kevlar vest. He scoffed. â€Å"I’ll be fine, I’ll have you with me, plus Espo and Ryan will be backing us up.† â€Å"I don’t want to have to watch you, and the boys are going in on the other side of the building, so they can’t either.† She made a small gesture for him to stay, then turned on her heel towards the building where their suspect was. â€Å"Beckett, you can’t go in alone.† â€Å"I won’t be alone, the boys will cover me.† He lightly grabbed her arm to get her to stop walking. â€Å"Beckett, I’m your partner,† he told her, an added meaning shining through in his eyes. â€Å"I’m going in right beside you.† She had relented then, allowed him to follow like he always did. Nothing had ever happened to him before, and there was no reason to think that that day would be any different. Their suspect wasn’t even particularly skilled, as far as they had known, but he had been desperate andShow MoreRelatedJr, My Horse, A New Record1598 Words   |  7 Pagesgo. 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What the cute little kid Finn imagines with his toys, translates into the actual movie we are watching, and the characters are living. A movie withinRead MoreTen Canoes: Study Guide1576 Words   |  6 Pagesa. Dingo-a wild dog in Australia b. Bandicoot-a small animal in Australia that looks like a cross between a rat and a rabbit c. Goanna- a term used to denote a type of lizard in Australia d. going bush-embarking on adventures in Australias outback e. bush [as terrain] outside of town terrain f. dreamtime-the belief by Aboriginals of how the world was created g. walkabout-an indefinite walk outside in wild terrain performed by Aborigines h. frame tale as a literary term- stories insideRead MoreThe Outsiders By S. E. Hinton1718 Words   |  7 PagesMajor Work Review Guide Title: The Outsiders Author: S.E. Hinton Published: 1967 by Viking Press Significant characters and brief statement of function in the work: Name: Function: 1. Pony boy Curtis- The narrator of the story. 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Essay On Nikola Tesla - 1212 Words

Nikola Tesla, noted inventor, engineer, machinist, and electrical pioneer was born in 1846 in what is now modern Croatia. His parents had â€Å"five children which included siblings Dane, Angelina, Milka and Marica, in the family. His mother, Djuka Mandic, who invented small household appliances in her spare time while her son was growing up, spurred Tesla’s interest in electrical invention. Tesla s father, Milutin Tesla, was a Serbian orthodox priest and a writer, and he pushed for his son to join the priesthood.† Very little else is recorded regarding his early childhood or primary education. It is rumored, though, that the young Tesla was alternately cheerful and upbeat, or sullen and solitary. A general theme in his life, though,†¦show more content†¦While both men went on to continue developing sensational inventions, Edison is the man most credited in history books for his work. Tesla, on the other hand, was not an inventor seeking fame, but one who simply had a peculiar and uncanny view on the world. He was known to have outbursts of creative genius that led to days of non-stop work, eventually resulting in his â€Å"register(ing) over 700 patents worldwide.† His most well known work revolved around the Alternating Current electrical theories. While this stood in direct opposition to the corporately backed efforts of Edison to promote a Direct Current network for electrical distribution, Tesla continued with the idea of transmitting electricity through the air, and free to all people. Edison scoffed at the idea, but even the newest research in the 21st century reveals that Tesla’s notions are quite feasible. In the end, it is clear that his early education at home, his formal education on record, and his work with Edison all contributed to the foundation of Nikola Tesla’s broad range of work. The public perception of Tesla was quite positive during his productive years, even earning the financial backing of J. Pierpont Morgan for a while . Tesla’s disputes with Edison grew over the years, though, eventually leading Tesla to abandon much of his work later in life, and he eventually died penniless in 1943 while residing in a New York hotel. By all accounts, he wasShow MoreRelatedEssay Nikola Tesla1035 Words   |  5 PagesNikola Tesla is regarded as one of the most brilliant inventors in history. His work provided the basis for the modern alternating current power system, as well as having developed both radio and the fluorescent light bulb. He worked with Thomas Edison and George Westinghouse, among others. He was also widely misunderstood by his peers and the public at large. Biography Nikola Tesla was born in a small town called Smiljan, in what is now Croatia, during a lightning storm. Some would say thatRead More Nikola Tesla Essay1590 Words   |  7 Pagesthings, but I bet it wont give any mention of a man by the name of Nikola Tesla. In fact, I bet they wont give much mention of Tesla for any of the many things he invented. We can thank Thomas Edison for this. Nikola Tesla was born in Smiljian, Croatia at precisely midnight on July 9/10, 1856. Not a lot is known about his early childhood. His father was an orthodox priest, and his mother, though unschooled, was highly intelligent. Tesla had an extraordinary memory, and he spoke six languages. He SpentRead MoreNikola Tesla Essay845 Words   |  4 PagesNikola Tesla was born midnight on July 10, 1856 in Smiljan, Lika, which was then part of the Austo-Hungarian Empire, region of Croatia. His father was named Milutin Tesla and was a Serbian Orthodox Priest. Djuka Mandic was his mother and was an inventor in her own right of household appliances. Tesla was the fourth child of five, having one older brother and 3 younger sisters. Tesla studied at the Realschule, Karlstadt in 1873, the Polytechnic Institute in Graz, Austria and the University of PragueRead More Nikola Tesla Essay1059 Words   |  5 Pages Nikola Tesla Few people recognize his name today, and even among those who do, the words Nikola Tesla are likly to summon up the image of a crackpot rather than an authentic scientist. Nikola Tesla was possibly the greatest inventor the world has ever known. He was, without doubt, a genius who is not only credited with many devices we use today, but is also credited with astonishing, sometimes world-transforming, devices that are even simply amazing by todays scientific standards. Tesla was bornRead MoreNikola Tesla Essay1550 Words   |  7 PagesNikola Tesla was born midnight on July 10, 1856, in Smiljan, Lika, which at that time was part of the Austrian-Hungarian Empire, which is now known as Croatia. His father was named Milutin Tesla and he was a Serbian Orthodox Priest. Djuka Mandic was his mother and she invented household appliances. Tesla was the fourth child of five, having one older brother and three younger sisters. In 1873, Tesla studied at the the Polytechnic Institute in Graz, Austria and the University of Prague. At firstRead MoreEssay On Nikola Tesla1458 Words   |  6 PagesNikola Tesla (1856-1943) was an inventor and is responsible for the world as we know it. He developed alternating current, the Tesla coil, and wireless connectivity. Today he is regarded as one of the most important geniuses in history, but while he was alive, his ideas were largely unsupported. Tesla was born in Smiljan, Yugoslavia (modern-day Croatia) on July 10, 1856. He went to primary school, where he learned subjects such as arithmetic, religion, and German. From a very early age, Tesla wasRead More Nikola Tesla Essay1355 Words   |  6 PagesBorn in 1856 the son of an Orthodox priest in Smiljan, Croatia, Nikola Tesla had an early exposure to inventing. His mother, although unschooled, was a very intelligent woman who often created appliances that helped with home and farm responsibilities, such as a mechanical eggbeater. Young Nikola was schooled at home during his early years and later attended a school in Carlstadt, Croatia. He soon developed advanced skills such as doing calculus integrals in his head. He very deeply wantedRead MoreNikola Tesla Essay1096 Words   |  5 PagesNikola Tesla I do not think there is any thrill that can go through the human heart like that felt by the inventor as he sees some creation of the brain unfolding to success... such emotions make a man forget food, sleep, friends, love, everything. Nikola Tesla Few people know his name today, and even those who do the words Nikola Tesla are likely to come up with the image of a crackpot rather than an authentic scientist. Nikola Tesla was possibly the greatest inventor the worldRead MoreEssay On Nikola Tesla1801 Words   |  8 PagesNikola Tesla was an inventor, electrical engineer, futurist, mechanical engineer and physicist. He is the original inventor of the alternative currents which revolutionize the way we use electricity. He made countless more inventions like remote controls, wireless telegraph, neon lamps, three-phase electric power. Many people think that Thomas Edison made electricity available to us which he did for a while but it was very dangerous, however Nokia Tesla was the true inventor that provided us withRead MoreEssay on Biography of Nikola Tesla504 Words   |  3 Pages Nikola Tesla was born in Smiljan, Croatia at midnight between July 9th and 10th 1856. He was intelligent since his early childhood. He soon became interested in engineering and he studied it at the Technical University in Graz, Austria, from 1877 to 1880. Right after that he went to the University of Prague in 1880, but his father had died and he withdrew his studies from the University soon after. Tesla always dreamed of becoming an electrical engineer and to invent a new type of power transmission