Master Student Strategies Multiple Choice Questions free essay sample

Which of coming up next isn't a system of an ace understudy? C a. Defining momentary objectives b. Defining long haul objectives c. Surveying your positive characteristics d. Maintaining a strategic distance from an open? disapproved of way to deal with critical thinking 2. Finishing self? revelation practices helps understudies in C a. Surveying work areas b. Surveying PC programs c. Surveying themselves as understudies/workers d. Evaluating travel schedules 3. Attributes of an ace understudy incorporate B a. a reluctance to change b. an eagerness to assume liability for activities in one’s life c. extraordinary spotlight on one’s evaluations d. inspirational disposition 4. The three tactile methods of learning talked about in class include: B a. Clear, activity, knowing b. Visual, sound-related, sensation c. Crucial, on edge, sensation d. Verbal, sound-related, sensation 5. When displaying expert understudy techniques, one may exhibit the entirety of the accompanying aside from: C a. Abstaining from â€Å"thinking outside of the box† b. Self course c. Idealism d. We will compose a custom article test on Ace Student Strategies Multiple Choice Questions or on the other hand any comparative subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Objective setting 6. The term â€Å"metacognition† is characterized as: C a. Finding out about articles b. Finding out about science c. Finding out about learning d. Acting without deduction 7. There are four inquiries associated with the methods of learning. They incorporate the entirety of the accompanying aside from: D a. Why? b. What c. How? d. When? 8. Solid self inspiration supports the entirety of the accompanying with the exception of: B a. Changing one’s psyche b. Disregarding objectives c. Contrasting advantages d. Mentioning help 9. When endeavoring to achieve change in one’s conduct one ought not consider: D a. Insistences b. Mentioning help from companions c. Beginning with minor changes d. Defining unreasonable objectives 10. Procedures for time the board incorporate the entirety of the accompanying with the exception of: D a. Checking business related assignments b. Setting a halting time c. Keeping up an unmistakable work area or work territory d. Delaying Valid/False Questions 11. Mental helpers may not help one in reviewing data Flase 12. There is just one way to deal with turning into a basic scholar False 13. Effective understudies should attempt to associate their learning style to their instruction and their future profession decisions. Genuine 14. Investing energy with somebody who exhibits the sorts of accomplishment techniques that you are attempting to execute is presumably not a smart thought. Bogus 15. Feeling awkward in a learning circumstance is definitely not a typical piece of the learning cycle. Bogus 16. Inspiration may come about because of explaining one’s objectives and following up on them. Genuine 17. Learning styles might be associated with study methodologies that can be utilized to enable an understudy to prevail in a course. Genuine 18. Visual learning implies one is concentrating on the sensation area of the learning styles 19. An advantage of keeping a diary during the semester is that it might permit one to expound on the associations between courses being considered. Genuine 20. With an end goal to turn into an ace understudy, one should attempt to make expectations dependent on the systems one has learned and verify whether his/her background agree with those forecasts. Genuine 21. Time is viewed as an inexhaustible asset. Bogus 22. Getting mindful of one’s specific style of delaying may not help with changing one’s conduct. Genuine 23. Realistic signs are utilized to upgrade a student’s class notes Flase Short Answers: 24. If it's not too much trouble portray four qualities of an ace understudy. Give explicit instances of how these attributes might be illustrated. Set objectives, accomplishing the objectives in the time span. Have the option to oversee time adequately. 25. Dynamic abilities are significant for ace understudies. If you don't mind clarify how one may improve his/her expertise at settling on choices throughout everyday life. By defining objectives for their self.

Factors Affecting Labor Demand-Free-Samples-Myassignmenthelp.com

Question: Examine about the variables related with the work request and gracefully with regards to Australia Post. Answer: Presentation Workforce and worker improvement are the significant two pieces of any business as the whole accomplishment of a business rely upon it. In Australia improvement in labor economic situation occurred between the year 2015 to 2016 (Jobs.gov.au, 2018). During this year a solid development in work has been seen in Australian work showcase. This development is because of the improvement of low maintenance work in Australian work advertise. From June 2015 the joblessness rate in Australian started diminishing, which features the advancement on work showcase. In any case, before 2015 there was a gigantic issue in Australian work advertise as the joblessness rate was high. Official joblessness got expanded by 6.4%. This condition was improved from June 2015. This investigation manages the variables influencing work gracefully and work request with regards to Australia Post. Components influencing work Demand Presentation of web and data innovation leaves a major effect on Australian work advertise. According to the yearly report of Australia Post it has been gotten that during the monetary downturn in the year 2009 clients changed to the less expensive procedure for their correspondence. This features the fast utilization of mail as a media of correspondence. In the ongoing years, the Australian economy has been creating accordingly, huge movements from letters to email, SMS and web correspondence has been seen (Roberts Ottens, 2005). It was a major test for Australia Post to adapt up to the changing economy and innovation as different elements are related with work request. One of the main considerations is cost of the association's yield (Ehrenberg Smith, 2016). Cost of the company's yield influences the interest for a work. Increment in the cost of firms yield likewise upgrades the work interest for an association. With regards to Australia Post on the off chance that their item cost will build, at that point it will improve the work request in this association. Innovation is another huge factor that impacts work request in an association. Be that as it may, a presentation of new innovation regularly diminishes the interest for some particular kinds of work and builds the interest for different sorts of work. Australia Post has confronted the impact of developing innovation, which supplanted the utilization of letter by email (Auspost.com.au, 2018). Presentation of the innovation lessens the manual taking care of and builds the utilization of innovation. Subsequently, numerous workers who have no specialized information are supplanted by specialized specialists in Australia Post. This guarantees because of changing innovation the interest for specialized staffs become expanded in Australian business industry. Changes in the item request is an essential factor that influences the work request in an association. Be that as it may, on the off chance that the interest for an item builds, at that point the cost of this item gets expanded. Therefore, the workforces, which are related with the assembling or conveying the item, become expanded. Henceforth, the interest for the work of this specific item is expanded (De Bruecker et al., 2015). With regards to Australia Post, clients like to discuss by means of email and SMA as opposed exactly. This leads this association to employ progressively specialized specialists to improve the correspondence procedure by means of current innovation. E-replacement is the new result of Australia Post, which needs increasingly specialized specialists for its conveyance. Market cost and monetary state of a nation is another vital factor of work request. Be that as it may, on the off chance that the expense of work power is high, at that point the associations at tempt to cut the expense by diminishing the workforce in an association. Then again, in the event that the financial state of an association isn't acceptable, at that point work request gets diminished as the associations can't recruit more representatives (Ehrenberg Smith, 2016). With regards to Australia Post, work request in this association started expanding from 2015 because of the high GDP of Australia. Be that as it may, because of the high development in business industry, Australia Post has begun to enlist more work to satisfy the present market request. Components influencing work Supply Different components are related with the work flexibly in Australia. Perhaps the greatest factor is the administration strategy. It is significant for an association to follow the administration strategy to improve the work gracefully (Ehrenberg Smith, 2016). With regards to Australia Post, they have to follow The Fair Work Act 2009 strategy get a decent work flexibly in their association. As indicated by this Act, Australia Post needs to give their anxiety towards the compensation, working condition, and grants procedure to improve their work flexibly. Be that as it may, it is urgent for Australia Post to satisfy every one of these viewpoints, which drives them to get a decent gracefully of work. Macroeconomic state of a nation additionally influences the gracefully of a work. In Australia during the financial downturn, the extra cash for shoppers had been diminished subsequently, purchasers concentrated on the less expensive item and administration (Farber, 2015). In the year 2009 , because of the monetary downturn, Australia Post had confronted diminished work request in their association. Globalization is another factor that impacts work gracefully in an association. In any case, globalization upgrades the advanced availability and makes the world progressively serious (Blundell et al., 2016). In the ongoing years because of the presentation of new internet business monster, the volume of worldwide package gets expanded. Subsequently, Australia Post is attempting to receive an unmistakable methodology to develop their bundle business and streamline the center email activity process. So as to complete this procedure, work request gets expanded as this association as an appeal to enroll progressively specialized specialists to adapt up to the developing innovation. Pay is a major factor in labor gracefully (Keane Rogerson, 2015). Notwithstanding, in the year 2009, Australia had confronted high monetary downturn which drove the associations to haggle with the remuneration of work. This opposed Australia Postal to recruit talented workers to use the developing innovation during this time, subsequently, the work request was diminished. Then again, from the year 2015, the monetary condition was beginning to improve in Australia. This leads Australia Post to recruit progressively gifted representative by giving them great pay. This expanded the work gracefully in this nation. Aside from this tremendous rivalry in the worldwide market likewise expanded the work flexibly in Australia. Various sorts of workforce changes and their effect on existing and future occupation Among the various sorts of workforce transforms one of the significant changes is the passage of children of post war America in the business. Notwithstanding, this is an old age and has a lot of information and persistence to deal with a work (Omrani, Valipour Emrouznejad, 2018). Then again, passage of the ladies in the business is another sort of workforce change. Consequently, expanding pace of migration is another sort of working environment advancement that is found in the ongoing years. Aside from this section of youthful matured individuals just as kids is a pivotal kind of workforce change that can be seen in the ongoing years. People born after WW2 or millennial are powerful to upgrade the current and future activity jobs. In any case, coaching job of boomers encourages them to move their aptitude and information to the more youthful associates. This will upgrade the activity job at present and future (Sherehiy Karwowski, 2014). Then again, ladies laborers and kid laborers a re low paid. In the ongoing years, the ladies have great aptitude and they are sufficiently fit to finish an occupation. Be that as it may, numerous associations pay low to the ladies, which may diminish their work powers and ability. Then again, developing movement in Australia permits the associations to enroll progressively talented workers in their association. In this way, the compensation size of workers is low in contrast with different representatives. This will help the current occupation in Australia Post. Along these lines, enrollment of more workers likewise significant for the future occupation in this association as it will expand the gracefully of talented work. Sorts of information and data that Australia Post needs to approach guarantee that the work request and gracefully are precisely comprehended Australia Post needs to survey the GDP of Australia as dependent on which they can comprehend the progression of work gracefully and pace of the work request. It is significant for an association to follow the vital human asset the executives to comprehend the interest and flexibly of workforces (Nankervis, Compton Baird, 2008). In Australia the GDP was $251,716 million in the year 2017, which guarantees the high GDP of this nation. In this way, Australia has positioned eleventh situation among the 49 nations those have high GDP. Then again, GNP or gross national pay in Australia was 194383.36 AUD million in the year 2017. From this information, Australia Post can guarantee that the joblessness rate is low in this nation and work request is high. High pace of GNP features expanded work request and flexibly (Khosla et al., 2011).NNP or net national item NNP of Australia was 432308 aud million, which is high. Presentation of NPP is another installment structure of Australian economy (S tone, 2010). This will give a stage to Australia Post to complete quick and information rich installments while overseeing partners. This empowers this association to move cash to their clients rapidly. To actualize this procedure such association needs progressively specialized workforce. Thus, by utilizing the above data Australia Post will have the option to comprehend the interest and flexibly of work in this nation End The bit of work features various variables that are related with work request and flexibly in Australia. In any case, it has been discovered that innovation, monetary factor, item request and government polic

In which I am a bad example

In which I am a bad example I walked through the front door of my local Barnes and Noble today and was immediately confronted by a colossal display for the Twilight series. A thirtysomething dad was scrutinizing a copy of the fourth book Breaking Bloodless NightRaven, or something like that. Whatever its called, it was halfway through that book when I finally couldnt take any more of the series and stopped reading. Oh, I hate those books, I say, before I could stop myself. Really? Why? he asks. I mean, its not that theyre badly written or anything. Considering the quality of teen lit out there, this is probably one of the more well-written books you could give to a teenage girl. (I do not think the series is well-written at all. I was not lying when I told this man what I thought. Take this as an insight into the overall quality of teen-girl-oriented novels currently in print.) I just think its not very empowering, you know? Its got a main character who absolutely fawns over this guy and sets everything else aside in favor of him, which is about as antifeminist as you can get. He looks at me as if he is all about the antifeminism, so long as it stops his little girl from having sex. I am digging a hole for myself. Not that Id rather have teen girls reading so-called feminist books with sex all over the place, I mean! But these books, Im, um, saying well, theyre also not a very good example, just in a totally opposite way. A woman on the other side of the display chimes in with, Theyre not all that realistic. Unrealistic! Thats the word! He glares at me, probably convinced Im an ultra-promiscuous feminazi out to convert innocent thirteen-year-olds to fellow godless heathens. I have to go, I say, and shuffle into the Self-Help Section before I can do further damage. My wordfilter along with my eloquence has significantly deteriorated since coming to college. I used to chide my friends for being completely tactless at the worst possible moments. Ive been doing the same thing to my mom for even longer, as she is one of maybe three people in the world more outspoken than I am. It looks like I am turning into my mother. The prospect thereof may or may not terrify me. I think I meant to wax nostalgic about my semester when I sat down to write this post, but clearly thats not going to happen now one of my grades still hasnt been posted, so it doesnt feel like this term is really over yet. Also, I dont feel like it anymore. Instead, here are some blurry pictures insights into our lives, or some other fluffy phrase of the illustrious residents of Senior Haus being upside down. (Is that obscene? I dont think so. Really, though. Is it?) being right side up. being fierce. being inchworms. being out of Popsicles. (okay, I dont actually know whats going on here.) See you on the other side of the semester, when Ill probably go ahead with the waxing nostalgic thing. Or, you know, not.

The Timeless Truths of Homers Iliad - 1784 Words

James Hutchinson Ms. Spicer AP Literature 20 August 2010 Homers Timeless Truths Is Homers The Iliad relevant to todays society? Is this work a timeless parable depicting universal human truths transcending time and context or merely a superbly-crafted epic poem to be studied and admired for its stylistic brilliance? Has the text endured simply because of Homers dramatic verse or because of the timeless human truths it conveys? Was it written to persuade readers to question the moral implications and savagery of war or simply to provide provocative entertainment? These questions have been posed for centuries yet rarely have been sufficiently answered. However, an astute student of contemporary politics, media, and entertainment†¦show more content†¦The arrogant, manipulative gods pulling strings from their plush thrones on Mount Olympus bring to mind modern-day politicians. They can be seen as archetypes of todays detached bureaucrats. Zeus and his fellow gods dispassionately toy with mortals, watching with amusement as they cut one another down on the blood-soaked battlefield of windy Troy. Shamelessly, like merciless puppeteers, they create tension between the mortals for their own personal entertainment, with little regard for the inevitable mayhem and carnage that ensues. Indeed, the ten-year conflict at Troy is indirectly sparked by the vain goddess Aphrodites desire to be recognized as the â€Å"fairest† beauty among the goddesses, yet as soon as the fighting begins, she pleads neutrality. Similarly, Zeus himself shows little concern for the rampant slaughter among mortals taking place on his watch, even though initially he aids Achilles in his revenge against the Greeks. More than a few critics of the current wars in Iraq and Afghanistan have decried the dispassionate way in which U.S. â€Å"chickenhawk† non-combatants such as George Bush, Dick Cheney, and now Barack Obama have heartlessly made â€Å"strategic military decisions† from the safe environs of the White House that have had mortal consequenc es for U.S. troops on the front lines in Kabul and Baghdad. For many observers, the U.S. political elite bears more than slight resemblance to the gods ofShow MoreRelatedSocrates And Achilles1466 Words   |  6 Pagesthis particular example does not highlight a similarity between Socrates and Achilles, it is extremely effective in arguing Socrates’ case to the jury. Socrates proved time and time again that his calling in life was to philosophize and pursue the truth. Even with the threat of death looming above him, Socrates refused to falter in his conviction that knowledge and learning should be held in highest esteem. In one fell swoop, Socrates both implies that the jury should recognize his intellectual teachingsRead More Sport, Education, and the Meaning of Victory Essay examples3416 Words   |  14 Pageswin fair and square sometimes see the moral victory and the lions share of admiration awarded to a losing competitor. Our conception of a winner runs much deeper than the ability to fulfill the analytic definition of victory in sport. In Homers Iliad (XXIII, 823-880), there is an account of a foot race at Patroclus funeral games in which the goddess Athena chooses her favorite Odysseus as the winner of the race and ensures his victory by having his younger opponent Ajax slip and fall in someRead MoreEssay on The Odyssey21353 Words   |  86 Pageswife of Menelaus and the cause of the Trojan War. Helens portrayal is more striking than that of Menelaus. She is back with Menelaus at Sparta, happy and at peace, having learned from her sufferings. The tenderness which she possesses in The Iliad is turned to new purposes here in The Odyssey. Antinous - the most vociferous and proud of the suitors. He plots Telemachus death and often leads the suitors in their mistreatment of Odysseus and his household. Eurymachus - another outspoken

Risks Profile And Hedging Example For Free - Free Essay Example

Sample details Pages: 5 Words: 1386 Downloads: 1 Date added: 2017/06/26 Category Finance Essay Type Argumentative essay Tags: Risk Essay Did you like this example? F J Benjamin Holdings Ltd listed on the Singapore Exchange on 14 November 1996, founded in 1959 headquarters in Singapore and it has offices in nine cities with more than 2000 employees. This Company is one of the leaders in building and management, and development system of retail and distribution networks for international luxury and lifestyle brands across Asia. The company participates in importing, exporting, licensing, distribution and retailing of consumer fashion wear and accessories household furnishing, timepieces, eyewear and multimedia storage product and operation of cafes and entertainment outlets. Don’t waste time! Our writers will create an original "Risks Profile And Hedging Example For Free" essay for you Create order Especially, FJ Benjamin has four main segments is Luxury and Lifestyle Fashion Retailing and Distribution such as: Banana Republic, Gap and Givenchy..Timepiece Distribution such as: Bell Ross, Chronotech and DeWitt. Creative and Design such as Raoul and Investing in Lifestyle Concepts. Companys information analysis 2.1 Scenario of FJ Benjamin In FJ Benjamin Holdings Ltds wants to growth its portfolio by expanding business on Europe and the United States. In first of 2013, the company has some investment project to opened store located in Malaysia with required amount of SGD$ 15 million initial capital. FJ Benjamin needs more capital to implement these projects by borrowing SGD$ 10 million from bank for long-term loan for 5 year. To running and remaining new store in Singapore, in first of February 2013 FJ Benjamin need to imports 10milion luxury fashion wear of Cà ©line brand from French with due date at first of March . When order is accepted the company submit Trust Receipt to bank as a short term loan. At the due date, Bank on behalf of FJ Benjamin payoff 10 million for exporter. 2.2 Financial information analysis About general financial situation of FJ Benjamin, based on annual reported for 2011/2012, FJ Benjamin Holdings Ltd. reached $ 393,237,000 turnover in 2012. In 2011, turnover increased 22 % to $353.9 million from $289.4 million. In 2012, companys operating profit was $ 22,046,000 and in 2011 reached $ 18,102,000 increase $3,944,000. Profit before tax was $19,670,000 compared to $17,042,000 a year ago. Net profit after tax rose 55% to $12.8 million from $8.3 million last year. Operating profit strengthened to $18.3 million from $5.1 million in FY 2010. Gross margins rose to 43 % from 41% in the previous financial year. Cost-to-revenue ratio improved to 39% from 42%. Based on all financial information mention above, it reflects that the quality of the business has improved and become more stable in 3 years ago. In Financial ratio analysis: Return On Equity (ROE) (%) of FJ Benjamin in 2012 was 10.13% increase 0.3% compared 2011 was 9.71%. The return on equity evaluated a FJ Benja mins profitability by showing how much profit it generates with the amount shareholders have invested. Debt Ratio of this company in last 3 year was approximately 80% in 2012, 72 % in 2011 and 2010. Debt ratio increase 8% from 2010 to 2012 mean that FJ Benjamin has very high debt ratio. Current Ratio is used to measure the ability to pay short-term debts of the FJ Benjamin. Generally acceptable current ratio is from 1 to 2. During last 3 year, FJ Benjamins current ratio was above 1.5. However, from 2010 to 2012 this ratio was decrease significantly. Net profit Ratio Companys Risks Profile and Hedging 3.1 Internal risk In fashion industry, business risk is a risk totally can occur with any group if they do not have a risk management strategy correctly. Business risk is a risk that FJ Benjamin might have to face. The FJ Benjamin is belonging to fashion industry. Therefore, Benjamins revenues are affected directly by consumer sentiment and purchasing power as well as changing on trend of fashion and lifestyle trends. Especially, competitors also is a risk might affect to Benjamin because a lot of new brands are opened and growth quickly today. In the other words, customer satisfaction is most importance to increase profit and ability to meet customers need is a first mission of this company to against with this risk as well as increasing competitor opportunities. 3.2 External risk The Company has to face with a lot of risks arising from its operations from that Fj Benjamin uses of financial instruments to against all these risk. The main External risks include credit risk, currency exchange risk, interest rate risk and liquidity risk. Credit Risk: Credit risk is the risk of loss that can occur on financial instruments should a partners default or non-performance on its obligations. Especially, The Companys credit risk arises directly from trade and other debtors. Based on annual report, the trade and other receivables of FJ Benjamin shows that all its not past due, unimpaired and creditworthy debtors with very well payment record. Generally, amount of cash and fixed deposits are put in banks and financial institutions with good credit rating. In addition, FJ Benjamin use the ways to manages its credit risk by application of credit approvals, credit limits and monitoring procedures. However high debt ratio is a disadvantage of FJ Benjamin, it reflects that this company has many debts and possible to non performance or default. Foreign Exchange risk: FJ Benjamin is an import and export company so that it has a lot of transactional using foreign currency .The company import, export between Asias countries, US and EU and most of the groups overseas purchases by in Swiss Franc, US Dollar and the Euro. Therefore, FJ Benjamin maybe face with foreign exchange risk when exchange rate movement. The FJ Benjamin always find out the ways to maintain a natural hedge by keeping the balance of liabilities against assets in the same currency or against the entitys functional currency. In order to reduce the companys exposure to foreign currency fluctuations, FJ Benjamin used foreign currency forward contracts based on purchase commitments for periods ranging from three to six months forward to minimize this risk. Liquidity Risk: Liquidity risk is the risk that the Company will not meet financial obligations at maturity date because of not enou gh of funds. Although in 3 years ago the company has enough current assets to meet the payment schedule of current liabilities with a margin of safety. However, current ratio in 2012 fall meaning is amount of liabilities increase more than 2 years ago and current assets decrease in 2012 lead to level of liquidity risk may be increase in the near future. But FJ Benjamin manages its liquidity risk by maintaining a healthy balance of cash and cash equivalents and an sufficient amount of committed credit facilities. Moreover, follow annual report of 2012, the Company assessed the level of risk with respects to refinancing its debt and concluded it to be low. Approaching to sources of funding is enough and available and debt maturing within 12 months can be rolled over with existing lenders. Interest Rate Risk Interest rate risk is the risk that the value of cash flows of the company in the future and all companys financial instruments will go up or go down without predictable beca use of changes in market interest rates. With the FJ Benjamin also may face with this risk and relates to amount of borrowing which is subject to floating interest rates and are re-priced at intervals of less than 1 year. Recommendation FJ Benjamins earnings remained resilient despite the European debt crisis; this company still is leader by strong brand portfolio and growing in the ASEAN economies. Looking at business result in last 3 year, almost signal are good. However, FJ Benjamins financial still exists some problems and risk can be occurring with this business. With high ROE indicates that all investment project of this company can recover capital and gain profit in the future With debt ratio too high that reflects that the company has much debt and bank borrowing than their equity. Bank has to consider very carefully before lending to this company and high interest rate to cover credit risk. Then company needs to provide more collateral and margin account to ensure that can pay off the loans. However,. Conclusion In sum up, FJ Benjamin is a good company in Fashion Industry in around the world. This Company is more and more developed with stable and solid business. Company is assessed that which will become a most successful and has new prospect in the future. Although, looking at business result in last 3 year, almost signal are good. Besides that, FJ Benjamin Appendix Current ratio: Current Assets /  Current Liabilities Year 2010 2011 2012 Current Assets 192,846 212,857 209,940 Current Liabilities 95,264 121,998 127,998 Current ratio 2.024332 1.744758 1.640182 Return on Equity (ROE ): (Net Income/Shareholders Equity) x 100 Year 2010 2011 2012 Net Income 8,260 12,770 13,541 Shareholders Equity 137,209 131,458 133,607 Return on Equity (ROE ) % 6.02% 9.71% 10.13% Debt Ratio: (Total Liabilities /  Shareholders Equity) x 100 Year 2010 2011 2012 Total Liabilities 76,385 80,752 85,907 Shareholders Equity 105,684 111,667 106,819 Debt Ratio (%) 80% 72.3 % 72.2% Net profit Ratio: (Net Profit / Net Sales  ) x 100 Year 2010 2011 2012 Net Profit 8,260 12,770 13,541 Net Sales 295,386 360,003 403,281 Net profit Margin 2.8 % 3.56% 3.36%

Study of the 2009 Influenza H1N1 emergence Pandemic Free Essays

Introduction Pandemic influenza is an epidemic of infectious disease that can spread among human population across the world. Its first appearance was in 1918 (Spanish Influenza H1N1), where it caused an epizootic outbreak in swine causing the most devastating and terrifying pandemic in history. Pandemic influenza H1N1 was then re-emerged again in 2009 (Swine Flu). We will write a custom essay sample on Study of the 2009 Influenza H1N1 emergence Pandemic or any similar topic only for you Order Now According to the World Health Organization (WHO) several factors must be present to be considered a pandemic such as: infected droplets released into the air and breathed in by others or close contact with infected pigs. Swine influenza is caused by Influenza A virus, which belongs to family orthomyxoviridae. They are pleomorphic-enveloped viruses therefore Influenza viruses are named based on the major surface antigens: Hemagglutinins (HA) and Neuraminidase (N). Neuraminidase is an enzyme that is responsible for releasing the progeny virus from infected cells, by cleaving sugar molecules that bind to the virus. By contrast, hemagglutinin is a lectin that mediates binding of the virus to the host cell and entry of the viral genomes into the host cell. Overall, there are at least 16 different HA subtypes named H1 through H16. The first three hemagglutinins, H1, H2, and H3 are the main HA subtypes present in Influenza viruses. It is important to understand the emergence of 2009 pandemic influenza, for which one has to recognize its genetic origins. Influenza A viruses are composed of a protein-studded coat that surrounds a genome made up of eight single-stranded RNA segments (PB2, PB1, PA, HA, NP, NA, MP and NS). These RNA segments of pandemic 2009 have resulted from co-mingling of genomes from two influenza viruses- N. American H1N1 and Eurasian swine H1N1. This concept helps to explain how viral genetic re-assortment has resulted in the emergence of the pandemic strain, with a mixture of swine, human and avian influenza viruses. One would predict that changes in the genetic makeup of this virus requires us to develop new vaccines on an annual basis to attempt to prevent this virus especially in those that are elderly or chronically ill, since for them, influenza can be extremely fatal. According to CDC (Centers for disease control and prevention) epidemiological data indicates that elder people (65 years) tend to be less affected by H1N1 virus. Perhaps this explains the age-related pre-existing immunity. Figure 1- shows age groups most affected by the H1N1 influenza reported to CDC in the United States from April 15 to July 24, 2009.As can be seen, the number of reported cases per 100,000 population was highest among individuals five to twenty-four years of age group (26.7 per 100,000). Recent research on the crystal structure of the HA from the pandemic virus A/California/04/2009 has revealed the similarity of the Sa antigenic site located on the hemagglutinin molecule, in particular, of the 2009 H1N1 virus with the early 1918 human H1 viruses. Exposure to older viruses circulating from 1918 through the 1930’s or 1940’s are likely elicited 2D1-like antibodies that can cross-react with the 2009 viral protein HA. As a result individuals exposed to these viruses, now over the age of 65 have some protection from swine flu by antibodies originally elicited more than 50 years ago. Further research has shown that 2D1- antibody can bind to identical Sa antigenic site in the 1918 and 2009 pandemic and cross-neutralize both 1918 and 2009 pandemic viruses in vivo. Perhaps this provides a strong explanation for the age-related pre-existing immunity and the low levels of mortality rate in elder people, in the current H1N1 pandemic. Today in this 21st century, new advanced vaccines and antiviral drugs have been introduced to prevent this virus especially in those who are unable to produce immunity against Influenza viruses. Compare to the third world where only small proportion of people were fortunate to have vaccines as a safety precaution. Even then, 3% of the world’s population (1.8 billion people) at the timedied of the disease. Nowadays scientists and many health organizations such as CDC or WHO are intensely looking in to whether or not the same virus will strike again. They have the knowledge and the discipline to get the world ready. Recently, CDC recommended a seasonal flu vaccination (trivalent seasonal influenza vaccine) as the most important step in protection against influenza viruses. This seasonal influenza vaccination has been recommended for every individual from the age of 6months onwards as not only it protects against H3N2 virus but also Influenza B and H1N1 Influenza A virus. This proves that seasonal influenza vaccine can still be used to protect against various viruses including 2009 H1N1 Influenza and H3N2. Recent research on neutralising influenza antibodies also proves that seasonal influenza vaccine can lead to increase in the production of neutralizing antibodies up to 80%. But vaccination with plasmid DNA encoding H1N1 influenza (HA) and boosting with seasonal vaccine can stimulate a greater than 50 fold increase in neutralizing antibody than that produced by one does of seasonal vaccine alone or DNA alone. Conclusion The future impact of the 2009 H1N1 influenza virus is not yet possible to predict as to which strain will cause the next pandemic or epidemic. On the one hand, the 2009 H1N1 influenza virus is still expected to continue to circulate as a seasonal influenza strain. Due to this, more people will now develop immunity to this current version of the virus. Despite of that, the World Health Organization (WHO) has warned many countries including Africa and Asia to prepare for more devastating flu epidemics in the future. This concern has been promoted due to the possible mixture of swine flu viruses with seasonal strains during the winter months and can transform in impulsive ways. The best possible way for an individual to protect against 2009 H1N1 influenza virus and other influenza viruses is through defensive measures such as covering mouth when sneezing or coughing, good hygiene and vaccinations against H1N1 influenza virus when possible. How to cite Study of the 2009 Influenza H1N1 emergence Pandemic, Essay examples

Loftus and Palmer Study free essay sample

There are variables that may affect memory and recall. Aim How information provided after an event in the form of leading questions may effect peoples memories. Experiment 1 Participants 45 students from the University of Washington. Procedure Participants shown seven videos of car crashes ranging from 4 to 30 seconds long. The videos were excerpts from drivers ed courses so the researchers were aware of the speeds of the cars. The videos were shown to the participants in random order. After each video participants were given a questionnaire which asked them to give an account of the film they had seen. Then they were asked to answer some questions based on what they had seen. Results Verb|Mean Estimate. Smashed|40. 8, Collided|39. 3, Bumped|38. 1, Hit|34. 0, Contacted|31. 8. Discussion Loftus and Palmer argue that memories are based on two types of imformation: What we percieve at the time of the event and what we find out after the event. We will write a custom essay sample on Loftus and Palmer Study or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page They argue that what they hear after the event can distort our memories. In this experiment loftus and palmer argue that two things can be happening: Distortion and Response Bias. Distortion: The verbed used may lead the participant to amend their memory. For example the word smashed may lead the participants to estimate the speed higher than it actually was. Response Bias: (a form of demand characteristics) The participants may not have been sure about the speed and so they may have adjusted their answer to fit the researchers expectations. In the above experiment the researchers were uncertain whether their prompts altered the participants memories or if it had led them to give a certain answer. The second experiment is to show that information provided after an event is capable of distorting memories. Experiment 2 Participants 150 students from the University of Washington. Procedure The participants were shown a short film of a multiple car crash, which lasted for one minute, though the action lasted for four seconds. The participants were split into three groups. The first group were asked: How fast were the cars going when they smashed into each other? The second group were asked: How fast were the cars going when they hit each other? The third group was the control group and were not asked about the speed of the cars. A week later the participants were recalled and asked some more questions about the film. Nine of these were filler questions. The critical question was: Did you see any broken glass? This question appeared randomly in the other question. (There was no broken glass in the film) Results The results supported that of the first experiment. The participants in the smashed condition overestimated the speed of the cars. The participants who reported seeing broken glass: Condition|% who answered yes. Smashed|32%, Hit|14%, Control|12%. Discussion The results suggest that the verb used affect memory altering their perception a week later. The word smashed incorporates broken glass in to their memories as the word smashed implies broken glass. Loftus and Palmer support the reconstructive memory hypothesis. They believe that information gathered at the time of an icident is altered by information gathered after an event. These two sources of information merge over time and it is impossible to seperate them. Evaluation ^ Strength control over confounding variables. The researchers could control age, incident viewed, environment etc. ^ The reconstructive memory hypothesis is useful in instances such as in formulating guidelines for police questioning of witnesses and suspects. x Ecological validity is a problem as a video is different to experiencing a real life car crash. In real life the crash would be unexpected and there would be more emotional involvement which would effect recall. The sample was of students from the same place and studying at the same level. They may have wanted to please the senior members and their memory capacity may not have been the same as that of the general population. They may be better at memorising or they werent bothered with remembering something as trivial as this. x Some psychologists have critiscised Loftus and Palmers conclusions. They argue that we have no way of knowing that the memory has been distorted. (taken from:http://selene. wordpress. com /2006/04/02/loftus-and-palmer/) Loftus and Palmer Study free essay sample There are variables that may affect memory and recall. Aim How information provided after an event in the form of leading questions may effect peoples memories. Experiment 1 Participants 45 students from the University of Washington. Procedure Participants shown seven videos of car crashes ranging from 4 to 30 seconds long. The videos were excerpts from drivers ed courses so the researchers were aware of the speeds of the cars. The videos were shown to the participants in random order. Results Verb|Mean Estimate. Smashed|40. 8, Collided|39. 3, Bumped|38. 1, Hit|34. 0, Contacted|31. 8. Discussion Loftus and Palmer argue that memories are based on two types of imformation: What we percieve at the time of the event and what we find out after the event. They argue that what they hear after the event can distort our memories. In this experiment loftus and palmer argue that two things can be happening: Distortion and Response Bias. Distortion: The verbed used may lead the participant to amend their memory. We will write a custom essay sample on Loftus and Palmer Study or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page For example the word smashed may lead the participants to estimate the speed higher than it actually was. Response Bias: (a form of demand characteristics) The participants may not have been sure about the speed and so they may have adjusted their answer to fit the researchers expectations. In the above experiment the researchers were uncertain whether their prompts altered the participants memories or if it had led them to give a certain answer. The second experiment is to show that information provided after an event is capable of distorting memories. Experiment 2 Participants 150 students from the University of Washington. Procedure The participants were shown a short film of a multiple car crash, which lasted for one minute, though the action lasted for four seconds. The participants were split into three groups. The first group were asked: How fast were the cars going when they smashed into each other? The second group were asked: How fast were the cars going when they hit each other? The third group was the control group and were not asked about the speed of the cars. A week later the participants were recalled and asked some more questions about the film. Nine of these were filler questions. The critical question was: Did you see any broken glass? This question appeared randomly in the other question. (There was no broken glass in the film) Results The results supported that of the first experiment. The participants in the smashed condition overestimated the speed of the cars. The participants who reported seeing broken glass: Condition|% who answered yes. Smashed|32%, Hit|14%, Control|12%. Discussion The results suggest that the verb used affect memory altering their perception a week later. The word smashed incorporates broken glass in to their memories as the word smashed implies broken glass. Loftus and Palmer support the reconstructive memory hypothesis. They believe that information gathered at the time of an icident is altered by information gathered after an event. These two sources of information merge over time and it is impossible to seperate them. Evaluation ^ Strength control over confounding variables. The researchers could control age, incident viewed, environment etc. ^ The reconstructive memory hypothesis is useful in instances such as in formulating guidelines for police questioning of witnesses and suspects. x Ecological validity is a problem as a video is different to experiencing a real life car crash. In real life the crash would be unexpected and there would be more emotional involvement which would effect recall. The sample was of students from the same place and studying at the same level. They may have wanted to please the senior members and their memory capacity may not have been the same as that of the general population. They may be better at memorising or they werent bothered with remembering something as trivial as this. x Some psychologists have critiscised Loftus and Palmers conclusions. They argue that we have no way of knowing that the memory has been distorted.

Benefits of Student Identification Tags

Benefits of Student Identification Tags Free Online Research Papers School uniforms have been used for quite a few years. There are many schools today that still use the uniform to identify their students. The uniforms consist of a polo shirt and khaki pants or shorts. Schools generally choose their own school colors for the polo shirt. For example, Mandeville High colors are skipper blue and white. Every few year’s the school mails out a form to the parent to vote for or against school uniforms. Student identification tags (I.D.) should be used in schools instead of uniforms. I.D. tags are more cost effective for families and they serve the purpose of identifying people who belong on campus. If the outcome is for uniforms, this can be very costly for the families. Especially if the child only has one year left at the school. Lower income families can’t afford to spend money on uniforms that their children will only wear at school. Their children may hit a growth spurt and grow out of their uniforms, which then causes their parents to go out and buy new uniforms. I.D. tags will fit anyone no matter what size or shape they are. Another down side of uniforms is that any person can purchase these items and enter the school premises. School identification tags are issued by the school office and have a unique design; for example it contains the school logo. These also contain the student’s picture for easy identification. Students are required to wear their I.D. tags on a daily basis on school grounds. If a student forgets to wear their I.D. to school, they must report to the school office to purchase a temporary I.D. Teachers have a right to question anyone without an I.D. The parents prefer their child to wear school uniforms so that they don’t get their good clothes dirty. The parents need to teach their children not to get their clothes dirty and explain to them that it cost money. The children need to learn to have responsibility. In conclusion there are many disadvantages with uniforms. It benefits the students and parents. It is more cost effective for the parents and for their children to wear I.D. tags. Identification tags can be improved in the future. Research Papers on Benefits of Student Identification TagsStandardized TestingPersonal Experience with Teen PregnancyHip-Hop is ArtEffects of Television Violence on ChildrenThe Spring and AutumnThe Relationship Between Delinquency and Drug UseHarry Potter and the Deathly Hallows EssayThe Effects of Illegal ImmigrationComparison: Letter from Birmingham and CritoGenetic Engineering

5 Tips For Landing an Administrative Assistant Job

5 Tips For Landing an Administrative Assistant Job There were just under four million jobs for administrative assistants in the United States in 2012, according to the Bureau of Labor Statistics. While this may sound like a lot, its important to consider another equally important factor: the many people seeking out these sought after positions. What can you do to gain the inside edge on the competition? Lets take a closer look at five ways to land the administrative assistant job of your dreams.1. Study UpWhile some employers require no further education than a high school degree, most prefer additional education and/or certifications that indicate additional motivation and competency. Check into coursework in basic office, computer, and grammar skills at your local community college or technical school.If you aspire toward an administrative assistant job in an industry-specific field, such as law or medicine, specialized coursework in this area may be required.2. Intern or VolunteerMany key administrative assistant skills are learne d during on-the-job training. By gaining these skills during an internship or as a volunteer, you offer employers a fast-track to productivity. You will still require some office-specific training, but more general work such as computer programs and preparing office documents will be covered.Not sure where to begin when it comes to finding an internship or volunteer opportunity? Check in with your schools career center.3. Refine Your ResumeThe best resumes are targeted to specific jobs. If you are applying for an administrative assistant position, be sure your resume covers all of the skills required to do the job. These include everything from technical skills to soft skills, such as the ability to interact well with others, organization, and integrity.4. Work Your ConnectionsAdministrative assistants are at work in nearly every single industry. In short, where theres an office, theres an administrative assistant.One of the best ways to find vacancies and gain a jump on the comp etition is by leveraging pre-existing relationships. Let friends, family members, and other people in your network both online and in person know that youre looking for an administrative assistant job. This way if they hear of a new opening, they can pass the information along to you. Your connections are also valuable referrals and references.5. Present ProfessionallyAs an administrative assistant, you will be a representative of your company, so a neat, polished appearance is essential. And dont forget about the importance of eye contact when meeting with hiring managers. The more competent and personable impression you make, the more likely you are to land the job.While the competition for administrative jobs is steep, its far from insurmountable. These five tips can position you for success in your search for a fulfilling career as an administrative assistant.

Ressource Management Essay Example | Topics and Well Written Essays - 1000 words

Ressource Management - Essay Example This paper aims at discussing strategies that are involved in sourcing, budgeting processes as well as financial reporting requirements adopted by Tesco PLC, a UK based supermarket that deals with various kinds of products. Sourcing Apart from dealing with food products and Tesco mobile among other brands, Tesco PLC deals with selling and distribution of safety equipments such as gumboots, oil resistant boots, helmets, ear plugs, overalls and dust coats among others. Majority of our customers are entities dealing with manufacturing of all kinds of products as well as flower farms. Based on the need to maintain safety in all work places and be in line with Occupational Safety and Health Administration (OSHA) safety requirements, majority of firms offering products as well as services have continued to order from us thus increasing our sales. Tesco PLC has outsourced the process of manufacturing most of our products to a neighboring firm. Outsourcing refers to the contracting of a firm ’s business activity to a third party. ... The second advantage is that the company is able to share the risks arising. Another advantage of outsourcing is that the company does not incur the costs of hiring production machine or purchasing them. Likewise, we are able to concentrate with our core business of selling and marketing of our products making the relationship with our client’s stronger. Disadvantages of outsourcing our services Although Tesco PLC emulates outsourcing, the company is faced with some disadvantages. First is lack of customer focus by the company we have outsourced to. Based on the fact that the company manufacturers products for various companies dealing with safety gadgets, it may lack complete focus on the quality of our brands2. Additionally, sometimes there is a delay in the delivery of the final products to Tesco PLC premises an issue that has caused us to lose some loyal customers3. Despite the disadvantages, our organizations objective is to outsource its production process for the next 3 years after which it will establish its own production department. Budgeting processes Tesco PLC.has established accounting department that undertakes the budgeting process under the leadership of a senior accountant. The company maintains a cash budget. The cash budget entails an expansive plan of future cash flows. In order to ensure that the company liquidity is maintained at a recommendable state, four items are covered by the cash budgets. These includes cash receipts, cash disbursements, net change in cash for a particular period of time as well as new financing needs. The accounting department undertakes six processes in its annual budget preparation. Automating: This department uses excel spreadsheets with formulas that are used to compute

There are many types of investment vehicles, one of the vehicles that Essay

There are many types of investment vehicles, one of the vehicles that pay some of the highest returns - Essay Example In this part, the paper will discuss the compensation structure used by hedge funds. The discussion will include the rationale for this compensation structure, its mechanics and the agency issues that can be associated with the compensation structure. The hedge fund structure is usually composed of general partners who handle all the trading activity from the fund and limited partners who supply the capital that is invested in the fund. Other members include the portfolio manager, who is usually the owner of the management company. The investors in the portfolio are usually between 100 and 150 certified investors who are willing to let the portfolio manager manage their funds for profit. The administrators of the hedge funds maintain the books and records and process all the transactions in the funds. Since the investors are not involved in the day to day handling of the fund, it is up to the hedge fund managers to complete all the transactions in the fund and charge fees to the inve stors in form of compensation structures. As already stated, the compensation structures used by hedge funds are different from those used by normal mutual funds since they take more fees in a different manner. The managers in the hedge fund use different strategies to create profits from the funds, and the Limited Partners, also known as the investors receive a percentage of the profit. The compensation structure in hedge funds is usually set on two main types of fees; performance fees and management fees. The performance fee in a hedge fund refers to the fee in the investment fund that a manager charges investors as a percentage of the increase in value of the assets in which the funds are invested. The value of the funds investments is periodically calculated and the fund manager gets a performance fee, usually between 20 and 30% of the Net Asset Value, which is the increase in value. The performance fee in hedge funds is similar to that in mutual funds. However, other fees that are in the hedge fund and not in the mutual funds are the management fees. The management fee is usually 1 to 2% of the fixed fee of the assets in the mutual fund, and in addition, an incentive fee of between 10 and 30% of the assets in the fund is also charged. The contentious point about these fees is that the management fee is usually charged regardless of whether the fund has made any profits, which means that the managers will always earn profits even if the fund fails. However, the performance fee can only be charged if the fund makes a pre-specified level of return, which is usually set at a percentage or decided as an index. This level of return is referred to as an hurdle, and the managers strive to increase the level of performance of the hedge fund in order to earn extra fees. Hurdles typically reduce the size of performance fees and increase the reward for better management of the fund, a factor that accounts or its popularity with investors. Another terminology analogou s with the compensation structure of hedge funds is the high water mark, a term used to refer to the performance of the fund. The highest value of a hedge fund in a year is called the high water mark, and if the fund’s value falls in the subsequent year, the managers are not paid performance fees. This means that in subsequent years, if the funds increase in NAV but does not exceed the high water mark, no performance is also charged on the investors since they do not make any additional

Types of Credit Facilities Offered by Commercial Banks

Types of Credit Facilities Offered by Commercial Banks The commercial banks are the most important player in the banking system. As at the end of December 2010, there were 9 domestic and 14 locally incorporated foreign commercial banks (BNM, 2011). Below is the list of licensed commercial banks as at 31 December 2010:- Commercial banks (Locally owed) Affin Bank Berhad Alliance Bank Malaysia Berhad AmBank (M) Berhad CIMB Bank Berhad EON Bank Berhad Hong Leong Bank Berhad Malayan Banking Berhad Public Bank Berhad RHB Bank Berhad Commercial banks (Foreign owed) Bangkok Bank Berhad Bank of America Malaysia Berhad Bank of China (Malaysia) Berhad Bank of Tokyo-Mitsubishi UFJ (Malaysia) Berhad Citibank Berhad Deutsche Bank (Malaysia) Berhad HSBC Bank Malaysia Berhad Industrial and Commercial Bank of China (Malaysia) Berhad J.P. Morgan Chase Bank Berhad OCBC Bank (Malaysia) Berhad Stardard Chartered Bank Malaysia Berhad The Bank of Nova Scotia Berhad The Royal Bank of Scotland Berhad United Overseas Bank (Malaysia) Bhd. Commercial banks offer various types of credit facilities to SMEs. There are working capital loans, fixed assets facilities and trade financing facilities. Besides that, Credit Guarantee Corporation (M) Scheme also offered by participating commercial banks. Credit Guarantee Corporation was established with the purpose to help Small and Medium Scale Enterprises (SMEs) without or with insufficient collateral to obtain credit facilities by commercial banks (Telekom Malaysia Berhad, 2010). CGC is participating with commercial banks which include Malayan Banking Berhad, RHB Bank Berhad, AmBank Berhad, CIMB Bank Berhad, EON Bank Berhad, Affin Bank Berhad and OCBC Bank Berhad (Business Loan for SME, 2011). Working capital loans is available to finance the shortfall in working capital requirement such as bank overdraft and revolving credit. (Eddie, 2006) Overdraft facility is convenience SMEs to draw additional funds immediately from current account (Eddie, 2006). Besides, the facilities fast in raising capital to operation for business and making investment. Bank overdraft has no fixed repayment schedule, interest will charged when the funds are utilised and no commitment fee for individual applicants on overdraft amounts of RM250,000 and below (Public Bank Berhad, 2011). Revolving credit is a working capital facility normally helpful as short term working capital funding. Borrowers can decide to either repay the full amount or renew the loan tenure by servicing of the interest at the end of the loan period. For SMEs borrower, commercial banks allow the flexibility of drawing funds as and when required, the repayment period is over 1 to 6 months term. A part that, SMEs can choose to repay in full upon maturity or to pay only the interest but the minimum amount of RM100,000 (Public Bank Berhad, 2011). Table 2.1 Asset conversion cycle Days Debtors credit terms 90 Inventory turnover 60 150 Less: Creditors credit terms 60 Asset conversion cycle 90 If the forecasted sales turnover is RM5 million, then the Working Capital Requirement will be 90/365 x RM5.0 million = RM1.23 million For the purpose of fixed assets financing is to finance property, plant and equipment acquisition and also cost of construction for factory and shop house. Term loan, leasing and hire purchase are the credit facilities types of the capital expenditure financing (Public Bank Berhad, 2011). A term loan is a fixed amount of loan from a bank for a period of time and repaid according to specific repayment schedule. The borrowers must be able to manage the cash flow effectively for repayment the loan (Public Bank Berhad, 2011). Trade financing helps to control the companies trade transactions and international business community. There are two group of trade financing which are local purchases or sales, import or export services. For local purchases and import services, Public Bank Berhad providing the number of credit facilities which are letter of credit, trust receipt, bankers acceptance and bankers guarantee. For local sales and export services offering bankers acceptance, bankers guarantee, bills of exchanged purchased and export credit refinancing (Public Bank Berhad, 2011). Credit Guarantee Corporation (M) Scheme includes Credit Enhancer Scheme and Direct Access Guarantee Scheme. Credit Enhancer Scheme eligibility must be Malaysian owned, borrower must have favourable financial record and business enterprises based on the definition of SMEs. Type of facilities offered by Credit Enhancer Scheme is term loan, Overdraft and all type of trade facilities. Total loan amount up to RM10 million. Guarantee cover has 2 portions which is secured and unsecured. The BLR rate is 6.3% (RHB Banking Group, 2011). Maximum interest rate for each guarantee cover percentage bond for Credit Enhancer Scheme as follows: CGC Guarantee Cover Effective Rate 100% BLR 80% 100% BLR + 1.00% 70% 80% BLR + 1.25% 60% 70% BLR +1.75% 50% 60% BLR + 2.00% à ¢Ã¢â‚¬ °Ã‚ ¤ 50% Free to quote Table 1: Interest rate according guarantee cover percentage According to past researcher Daniel Dusanjh, Direct Access Guarantee Scheme can be obtained in CIMB, Maybank and Ambank. Credit facility is range from RM50,000 to 3 million. The interest rates for DAGS ranges from 1.00% to 1.75% + BLR. Past researcher Daniel (2009) said that CIMB Bank offers credit facility under Government Assistance Scheme which is Fund for Small and Medium Industries and . In addition, CIMB Bank also provides Small Entrepreneur Guarantee Scheme. Fund for Small and Medium Industries 2 and New Entrepreneurs Fund 2 eligibility criteria include business enterprises based on definition of SMEs, shareholder fund could not more than RM2 million, public listed and government link companies shareholding not more than 20%. In addition, the Malaysian resident shareholding must at least 51% and the SMEs not exceeding 7 years in operation if more than 7 years in operation banks will consider provided average net profit over the last 3 years. The interest rate for FSMI 2 is 4% to 6% based in risk assessment of SMEs. Credit facility is range from RM50,000 to RM5million. Credit facility could be term loan and overdraft and maximum term of 5 years (CIMB Bank Berhad, 2011). Small Entrepreneur Guarantee Scheme offers much different terms, maximum loan amount is RM50,000 with an interest rate of 1.5% per annum + BLR. It should be noted that this scheme covers much micro businesses (CIMB Bank Berhad, 2011). 2.1.2 Singapore Commercial banks in Singapore offer various types of credit facilities to small and medium sized enterprises, including working capital financing, fixed assets financing, specialized financing, trade financing and government assistance scheme. Working capital financing is vital for the growing business. The purpose is to finance the everyday business operations. A number of general types include factoring loans that give credit for account receivables, overdrafts facility utilized when business make payment exceeding the balance in current account, and revolving loans that the loan amount can be re-borrowed (Government of Singapore, 2009). Factoring loan is an account receivables sold to bank for immediate cash. A charge of 1-3% levied on gross invoice value or an interest of 5-8% per annum. Most of commercial banks in Singapore have this type of loan such as DBS Bank Ltd, HSBC Private Bank (Suisse) SA and Malayan Banking Berhad (Government of Singapore, 2009). Bank overdraft is the cash ready for any business need and also means that withdraw from bank exceed the available balance. Interest charge for bank overdrafts are normally 1-2% above prime rates. Most of commercial banks in Singapore have this type of loan such as DBS Bank Ltd, HSBC Private Bank (Suisse) SA, Malayan Banking Berhad, Standard Chartered Bank and United Overseas Bank Limited (Government of Singapore, 2009). Revolving credit is loan sum available for fixed period during which amounts repaid may be re-borrowed. For revolving credit, company assets such as machinery may have to be provided as collateral. . Most of commercial banks in Singapore have this type of loan such as DBS Bank Ltd, HSBC Private Bank (Suisse) SA, Malayan Banking Berhad, Standard Chartered Bank and United Overseas Bank Limited (Government of Singapore, 2009). For fixed asset financing, commercial banks offer commercial, industrial and property loans. Like hire purchase is the most common loans for fixed asset financing, the purpose is to finance the business property, machinery and motor vehicles. During the settlement of hire purchase loans, banks will hold the legal rights over the asset until fully repaid. The commercial banks can finance up to 90% of equipment price (Standard Chartered Bank, 2011). Specialized financing is the loans are aimed for sector specific SMEs such as shipping, real estate or dealership. Maybank provide the loans of car dealership and vessel (Maybank, 2011). Another way, OCBC Bank offer shipping, real estate and commercial property loans. In Singapore, government assistance scheme separate to 2 groups which are local enterprises financial scheme and internationalization finance scheme. Local enterprises financial scheme is typically granted for modernization and upgrading the plant and equipment, expanding the manufacturing capacity. Working capital loans facilities and fixed assets financing loans facilities are available under local enterprises financial scheme. Working capital loans include Micro Loan Program and Loan Insurance Scheme. For the Micro Loan Program, maximum loan amount up to S$100,000. This type of loan is unsecured term loan and the loan term is from 1 to 4 years. The minimum of interest rate is 5.5% per annum. Eligibility of this type of loan with no more than 10 employees and the SME must incorporated in Singapore with no less than 30% shareholding (OCBC Bank, 2011). Loan insurance scheme offers an option access to funding for local enterprises through the use of loan insurance (UOB Bank, 2011). This type of scheme do not have limit amount but the insurer has veto right over S$1 million. Now, the government would focus in improving loan insurance schemes to assist small and medium enterprises (Ryan, 2011). In Malaysia, there are several procedures and condition needed for SMEs in obtaining loan. The loan application process generally has three broad stages. These are business plan preparation, the submission of the loan application and the assessment of the loan application (Banking Info, 2011). First stage is preparing the business plan, commercial banks will require information regarding the company before they make decision whether to grant a loan to it. It is essential to provide the full and complete information on the company, the reason is to ensure the loan processing complete smoothly. For a small and medium enterprise, the preparation of a business plan is significant. Business plan is outlining the vision and how the companies manage to achieve the objective. In the business plan, the written must be simple and clear (Banking Info, 2011). Second stage is the application process, to accelerate the application process, applicant should send a suitably completed loan application form together with the business plan and all appropriate documents as required by the commercial banks. Loan application forms and loan application checklists are different in each commercial bank. Although the application forms and checklists are different but required document more or less the same for verification and evaluation (Banking Info, 2011). According to Chuah Mei Lin, there are two checklists provided by commercial for SMEs applicant. The first checklist written down the general types of documents and data required and second checklist setting out the more specific documents or information required for the kind of application facilities. She said that the banks will ask for additional information and documents if get insufficient data (SME Corp, 2010). The following is the documents required for the loan application:- Statutory Documents for Corporation Memorandum and articles of association Certificate of incorporation (Form 9) Return of allotment of shares (Form 24) Register of directors (Form 49) Copies of directors or guarantors IC Form J of directors or guarantors Documents for Partnership and Sole Proprietorship Business registration and license Income tax return Form J of partner or proprietor Financial and Management Documents 3 years audited financial statements (certified by auditors for non corporations) 6 months current account statement provided by other financial institutions All borrowings disclosure and letter offer by other financial statements Loan repayment statement utilisation from other financial institutions Business and cash flow projection Major customers and suppliers list Receivables and Creditors Aging Most up-to-date management accounts Feasibility report (for project financing and new ventures) Company and directors profile, business plan Apart on above documents provided, small and medium enterprises also require prepare the security documents such as valuation report, photocopy of sale and purchase agreement and relevant collateral such as land title deed. Other relevant documents such as invoices and commercial document, documents to prove other source of income also need to submit to commercial banks (Banking Info, 2011). Commercial banks could perform interviews and carry out a site visit to business premises for the intention of understands the business and clarification. This is to facilitate the commercial banks to verify and measure companys financial position (Banking Info, 2011). The last stage is assessment of the loan application. Commercial banks will access the credit application after the borrower submission all the documents required. For assessment the loan application, commercial banks would view for certain basic requirements, for example the business viability, capacity to make repayment for loan application, whether the loan application is for business development, and credit history with commercial banks and to assess whether the risks are acceptable. Besides, commercial banks will also assess for the businesss credit risks that are called 5Cs, character, capital, capacity, conditions and collateral. Commercial banks will analysis 5Cs to decide approval or rejected the loans (Banking Info, 2011). According to Chuah Mei Lin, commercial bank will use 14 to 30 days to process the application depend on the size of the loans. If commercial bank approves the loan application, they will issue a letter offer to the applicant within three working days (SME Corp, 2010). A letter offer will state the term and conditions. The borrower should understand all the term and condition write down in letter of offer. The common term and condition include periods for repayment and payment in default, submission of financial statements, while the company change the nature of the business and the requirement of the borrower After the loan approved, the borrowers can utilised it within 5 working days. If decline offer, the companies can appeal against facilities (Banking Info, 2011). 2.3 PROBLEM FACED BY SMALL AND MEDIUM ENTERPRISES IN OBTAINING LOAN SMEs have difficulty in obtaining credit facilities from commercial banks when compared to large industries during crisis period even in normal period. The main reason always is low profitability earn by commercial banks. Almost all commercial bankers in the world will interest in the profitability business. Since loaning is the principle activity of a banks and it is its responsibility to make sure that all monies lent out are collectible. As such, commercial banks make sure that the creditworthiness of borrower will repaid the loan through assessing the information provided by applicants. (Anna, 2008) During global economic crisis, loans will be difficult to obtain especially risky loans will become increasingly strict (Factoring Financing Articles, 2011). This is bad news for SMEs since they form the riskiest borrowers. Due to the loan condition of commercial banks too strict, SMEs faced the problem in obtaining loan (Hongbo and Xiaojie , 2009). Insufficient collateral and social guarantee system In Malaysia, some small and medium enterprises do not qualify to obtain credit facility from commercial banks. Such as lack of collateral which is the big issue in obtaining credit facilities from commercial banks. The low value of outdated equipment is difficult to collateral as the credit facilities. (Kian Seong, 2010). Collateral is essential because it decrease the credit risks of commercial banks. In Singapore, Gabriel (2009) said that small and medium enterprises are facing problem in securing essential loans. For unprecedented crisis facing by SMEs, the government assistance schemes still do not far enough and not suitable. But the real problem is the commercial banks unwilling to lend the loan under government scheme because they reluctant pay the cash first. Although the government willing bear 50 to 80 percent of risks but the government guarantee portion is difficult to claw back. But if the borrower cannot pay up, the government agreed to bear the risk for the portion of loans. Most of the SMEs companies need working capital financing that is cash overdraft. For working capital loans, government assistance scheme usually do not seem to provide. In China, when SMEs applying loan who face strict condition for mortgage (Hongbo Duan, Xiaojie Han Hongbo Yang, 2009). Customers asset mortgage as the basis of the commercial banks decided whether to approve the loan application. It means that SMEs insufficient collateral assets, and cannot be effectively secured. Most of SMEs do not meet up the conditions of the collateral assets. SMEs always have lack of plant and equipment for collateral through the view of enterprise asset structure. For the moment of the loan application, the equipments are outdated, the collateral value of which is relatively low (Jiantuo, 2007). Another problem faced by SMEs is the enterprises property legal rights, it is because a huge number of SMEs is having the joint cooperation. This joint cooperation will lead to the ownership of property, plant and equipment and other real estate property not apparent. Therefore, the fixed assets do not used as loan mortgage. Simultaneously, due to the high cost and complicated process of mortgage register, the SME get that guarantee from mortgage will much more difficult (Xiao Li, 2003). To carry out the protection act, SME loan guarantee must refers to the method of assurances of the debt agreement. The warrants credit is increased when all the way through utilize of third-party credit with reward. At that moment, both sites credit can turn to a balance and the capital achieves to a proper scale (Xiao Li, 2005). Even if local governments put more and more efforts to develop credit guarantee institutions for SMEs, they are still facing many problems. SME credit warranty institutions help out the small and medium enterprise to get multi-funding for capital collection. But too small of the capital scale warranty institutions also cannot assist more in SME financing. In most areas of SME warranty funding is governmental financial funding. Although the government put effort to help out SMEs but it is still far from their needs for warranty funding. SMEs still seek for other credit financial support. Simultaneously, issue small loan and bear higher cost in financing also the problem faced by small warranty funding institutions (Xiao Li, 2005). Commercial banks will not simply recognize the information prepared by warranty institutions. Because of the existing tax revenue, bank management system and information service centre cannot obtain a full business and personal records (Howrey 2011). So, bank has to face more risks in lending loan to SMEs. Interest rates and processing costs In Malaysia, raise in interest rate is one of the problems faced by SMEs. SMEs cannot bear those high interest rates. While commercial banks willing to gain high profits, small and medium sized enterprises will be hard to negotiate low interest rates with them. Commercial banks are rejecting the application of small loans due to high supervision and monitoring costs. Commercial banks judge the SMEs as riskiest borrower because of their insufficient assets to fulfill requirement, low capitalization and high mortality rates. For this situation, to raise the fixed and working capital from commercial banks is harder. According to Fazlur (2011), SME face difficulties because of the bank reluctance provide loans to them. Many banks are unwilling issue loans to them because of high processing costs and monitoring costs. In addition, interest rates for SME loans are high due to the high processing costs. But CEO of Unique Trust, Capt rtd Prince Kofi Amoabeng said that they must express disapproval the government to take some decisions to force interest rates down, because low interest rates will lead to the banks stop loan to the SME sector so SME is going to suffer. Therefore, they all have to go to the non-bank financial institutions where they would be given the loans at even higher interest rates (Fidel Amoah, 2011). Poor documentation and management Malaysian SMEs are always regarded as higher risk borrower because of their poor documentation. SMEs have no lucrative projects, low quality, real estate title deed is not clear, no clear business aims and succession business plans, and no available credit history. Besides that, small and medium sized enterprises unable to give necessary documentation like financing accounting and track records for application of credit facilities. Due to that heavy documentation needed by commercial bank so they will delay the processing of application loan(Gloria, 2010). In India, small and medium enterprises suffer losses in their business so they always provide bad track record for application loans. Besides that, SMEs seldom have a long history so they usually hard to get loan (Gandhi, 2011). According to Executive Director of First Banc Mawuli Hedo, it is possible to reduce the rate of bank facilities but majority of the SMEs do not provide proper documentation (Obeng-Sakyi Sobgbodjor, 2010). In Thailand, the major obstruction for SMEs is facing several financial problems which include trouble in debts and lack of working capital. SMEs have facing problem in obtaining loan from domestic commercial banks especially in business of handicraft products. They have deficient plant and equipment and do not use standard accounting procedures. (Arunee and Anongnart, 2000). From the SMEs opinion, they have been complained that shortage of information and guidance provide by commercial banks, complication and trouble related to credit facilities application procedure, insufficient requirement of SMEs, high interest rates charged, and lack of collateral are the major problem access to finance (Sinswat and Subhan, 2010). From the commercial banks point of view, the main obstructions for loaning to SMEs consist of lack of collateral provided by SMEs, inadequate business experience, poor management, untrustworthy accounting system, no business plan, no long credit provided, high transaction and operational costs per SME loan application (Sinswat and Subhan, 2010). In China, most SMEs companies financial performance is not satisfactory by commercial banks. SMEs companies always with low level of average profit because they are in high competitive industries. In addition, their bankruptcy rate is very high for the reason that they are easily affected by business environment, sensitive to the effects of variables and risk. They have poor supervision and sense of credit. As such, after suffering from a huge loss, SMEs normally cannot raise any corrective measures. They attempt to be delayed the payment for interests and principle and let the lending bank suffer the loss. Furthermore, SMEs is difficult to meet the requirement or condition in the way of operation scale and business capacity due to the present credit assessment system is set for large size enterprises (Xiao Li, 2003). With unofficial financial accounting and poor management, so SMEs unable to meet the bank collateral conditions and guarantees due to commercial banks offer most of mortgages loans is secured by real estate. As most SME loan is an urgent require for capital due to short-term liquidity stress, for term of revolving credit cannot be correctly measured and the probability of overdue payback is relatively high. Commercial banks have problems to assess SMEs production business when confront with such complicated SME market (Yanan Chao, 2010). Rejecting Loan Application In Malaysia, if refer to the form of cash flow in SME Company, know that inability to generate cash to repay the loan, commercial banks automatically will rejecting loan application (Banking Info, 2003). SMEs will face problem in obtaining loan such as the commercial banks rejecting loan application, the general reason include poor credit history, inadequate capital commitment, inadequate supporting documents, unacceptable financial problem, lack of financial information and doubtful repayment ability. Besides that, the borrower is the high risk enterprises which overdependence on a single purchaser or dealer (SMI/SME Business Directory Malaysia, 2010). HSBC Bank Malaysia Bhd managing director Thomas Varughese said that the top issues to reject loan application is the applicant do not provided enough financial information. Besides that, SMEs do not perform well in managing their financial position. Another issue for rejecting loan application is the poor credit history for the enterprises, director and guarantors. (Kian Seong, 2010). Reduce the facility In Malaysia, Banking info (2003) recorded that commercial banks perform periodical review of their credit risk profile of existing loans and based on this assessment, if their assessment proves a high default risk profile, the commercial banks will reduce the amount of credit facility. In India, if the SME companies without increasing the security, commercial banks will maintain or reduce the credit facilities (Aditi, 2005). In Singapore, Hng Kiang (2009) said that the SMEs credit facility from commercial banks is secured by strong collateral, but they also will reduce the credit facility during the recession period.

A Rose for Emily: Emily as a Tradition, a Duty and a Care Essay

Emily Grierson is the title character in the short story â€Å"A Rose for Emily.† The narrator portrays Emily as a â€Å"tradition, a duty, and a care,† (Faulkner,79) but in her actions, it is obvious that Emily is a true outsider. She shuts out the townspeople, only allowing them to see certain aspects of herself and leaves them to speculate the rest. She lives with her father until his death. Any chance at love for Emily was denied due to her father driving potential men away so that he could have her all to himself. Having been sheltered and secluded by her father, she continues to lead that kind of lifestyle after his death. Miss Emily’s home fits in with her character. Both are dark and mysterious. Emily rarely lets people into her life to see the real her so she remains dark and mysterious. Her home is also closed off to the townspeople. She rarely allows people into her home, and those that do find it layered with dust. The house is also falling into decay which also coincides with Emily’s aging and bloated and pallid appearance. It is clear that Mr. Grierson was extremely controlling of Emily. He showed this in his attempt to drive potential suitors away. After his death, Emily attempts to take control by denying that he has passed and refusing to give up his body. Before they can resort to using the law to take his body, Emily finally gives in and releases the body to them so that he can be buried properly. The townspeople are not surprised by her actions. They felt it was something she needed to do because she had nothing left, so she had to cling to the one thing she did have, and that was her father. Miss Emily follows her own rules. She does not abide by the law like everyone else. A deal had been made that she didn’t owe any taxes. Colonel Sartoris told her it was because her father had loaned the town money and therefore the taxes were remitted. When a new generation took over and sent her a bill, she either ignored it or sent back the bill with a note. When they came to her home to talk to her about it, she still adamantly refused to pay the bill, telling them she owed none and to speak to Colonel Sartoris about it. Even though the Colonel had been dead for ten years and there was nothing in the books to show that the taxes were remitted, she refused to accept the new authorities and has them shown out. She also refuses to put numbers on her mailbox when federal mail is put into place and in stating why she is buying the poison. No one ever pushes her and forces her to follow the law, it is as if they are afraid to question her or just ignore her eccentricity. They even refused to bring the multiple complaints of a bad smell to her attention and instead snuck into her yard at night, breaking open the cellar door to sprinkle lime in there as well as in all the outbuildings. No one wanted to â€Å"bother† Miss Emily. Eventually a man named Homer Barron comes to town. He begins to spend time with Miss Emily. At first the townspeople are happy that someone has piqued her interest. Many thought that they would eventually marry, even though Homer states that he is not the marrying kind. Many feel that she will find a way to persuade him to marry even though it seems as though he is interested in men. Eventually, the townspeople all believe that they will soon be married because of items that Emily buys for Homer. Homer leaves at one point while Miss Emily has family visiting. The townspeople see him return, but it is the last they see of him. This is when Emily’s failure to follow the law takes a turn. She was never questioned on why she needed the arsenic. It of course gets around town that she has purchased it, and they all believe she will kill herself. Even though Homer is never seen again and even though her home is mainly closed up until her death, except for the few years she teaches china painting, no one ever thinks that the arsenic is being used in a more sinister way. After Miss Emily’s death, the townspeople come to pay their respects. The men do so more out of respect while the women are more interested in seeing her home after all these years. It is soon discovered that Homer Barron’s dead body is lying in a bed in one of the rooms. Next to his body, on the pillow, it is clear that Miss Emily has spent time laying there beside him. It is clear that Miss Emily couldn’t bear the thought of Homer abandoning her, so she poisoned him so that she would always have him with her. She clung to him just as she had her father, but this time she found a way to make sure Homer would not be removed from her home. No one ever calls Miss Emily crazy, even though she had a great aunt that had gone crazy. All her actions are just thought of as part of her eccentric ways. No one thinks to question her or what she does. It is clear that Emily is suffering from some sort of mental illness. She clearly shows she has abandonment issues after being sheltered by her father. She refuses to accept or reveal his death until forced to do so. It is also clear in her actions of poisoning Homer Barron. After her father’s death, the narrator states that â€Å"she was sick for a long time after that.† It seems as if maybe she had some sort of mental breakdown after she is left alone. If only her father hadn’t sheltered her so much and refused to allow her to find love and seek friendship, she would not have acted in such desperate ways. If she could have gotten help to get over her fears or was able to talk to someone about it, maybe Homer would not have been poisoned. Although her actions and the outcome were tragic, in a way you have to feel bad for her because she was following the example that her father set for her. He desperately clung to her and in turn, she desperately clung to the men she cared for.

A Review of The Best Term Paper Writing Site

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The History of the Stock Market Essay - 830 Words

The History of the Stock Market In the beginning, there was no real stock market. However stock exchanges did take place in smaller groups and corporations. This all took place during the 1700s where stocks were already around for a long time before that but it wasnt really popular in the United States. Stocks originally started as auctions where traders called out names of companies and the shares available. There was a auction that took place and the shares went to the highest bidders. After the American Revolution which took place between 1775 to 1783 the number of securities increased dramatically. The amount of shares being bought grew so large that brokers had to organize in order to handle the growing volume. In 1800 the†¦show more content†¦During the 2nd half of the 19th century New York City became the central financial center of the United States. After that the New York Stock Exchange became the number one trading center. The reason for this being that its members focused on buying securities o f larger corporations. At that time all the smaller stocks of smaller companies were handled on the streets of downtown New York City. In 1908 these brokers formed the New York Curb Agency which is now known as the American Stock Exchange. It was renamed to this in 1953. During the 1920s millions of Americans began investing in stocks for the first time. They heard about how rich people were getting by investing so they all decided to do it. Many new investors entered the stock market using borrowed money. Stock market prices rose steadily as inflated market demand outpaced increases in the capital value of businesses. Investors began to realize that a large imbalance existed between stock prices and the amount of money needed to back them up, and began to sell. On October 29, 1929, great numbers of people tried to sell their stocks all at once. This created chaos in the accounting of stocks and for brokers. 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At one point in time during our history we had a crash in the stock market. Almost everyone took a huge hit from this crash. The stock market is a part in everyone’s life whether a person invests in the market or not it has an impact on how we as people spend money and invest. A stock market crisis could be detrimental to our country. The stock market is a huge part of the