Research Article Essay Example | Topics and Well Written Essays - 250 words

Exploration Article - Essay Example As indicated by the creators, this examination is the initial phase in meaning of contrasts identified with area and sort of BRCA1 and BRCA2 transformations and consciousness of change explicit perils may offer basic data for assessment of clinical hazard which will help ladies and their doctors to build up the best treatment plan for them. Everyone has BRCA1 and BRCA2 qualities; which conveys directions for assembling proteins that are entrusted with battling tumors through obsession of errors in the DNA. In any case, some grievous people experience transformations in these qualities that expansion their powerlessness of getting ovarian and bosom malignancies just as different tumors, for example, prostrate, pancreas, peritoneum and fallopian tubes). It is approximated that 1 of every 300 to 1 out of 800 people have one of these damaging changes. In any case, a few populaces have a lot higher pervasiveness. Having BRCA1 and BRCA2 transformations raises the danger of having both ovarian and bosom tumors by different rates. A JAMA study enrolled more than 30,000 ladies from 33 nations on six mainlands; all having BRCA transformations known to raise the danger of malignant growth. More than 90 percent of the ladies were white while right around 10 percent were Ashkenazi Jews. The ladies were ordered into â€Å"bins† based on where changes happened in the genome. They at that point inspected to know what number of ladies in each canister were determined to have ovarian/bosom disease while being checked. It was found that 46 percent of the 19,581 ladies having a BRCA1 change tried positive for bosom malignant growth, 12 percent tried positive for ovarian cancer,5 percent had both and just 37 percent were without disease. Furthe rmore, the normal age during determination was 39.9 years for bosom malignant growth and more than 50 for ovarian disease. Then again, among the 11,900 ladies having BRCA2 transformation 52 percent tried positive for bosom

Student Preparedness :: essays research papers

The article named 'Showing Responsibility'; manages the issue of understudy readiness after secondary school. The article raises the ongoing instance of Jonathan Govias who is suing his private secondary school expressing that the school didn't set him up for college. The article proceeds to give two models, one in Virginia and one in Ontario of how these kinds of issues are being managed. The editorial manager concurs s that the educational system ought to be considered progressively answerable for its alumni, however clarifies that legal counselors just convolute issues. I accept that Jonathan Govias' case ought to be heard in a courtroom because of the way that schools have a specific obligation and in the event that it isn't met, at that point something should be done about it. I am in all out conflict with the Ontario's school intend to dispose of this issue and am an absolute enthusiast of the Virginia pilot venture, on the grounds that not at all like the Ontario plan they are really hoping to support the understudies and not their own pockets. In the wake of dropping out of his first year building program at the college of Alberta, Jonathan Govias chose to sue his place of graduation for a sum of $140,000 asserting that the school neglected to completely set him up for what college had coming up for him. Jonathan went to a tuition based school, and as we as a whole realize non-public schools charge a lot of cash so as to give superior instruction to its understudies. That is the reason guardians select their youngsters in non-public schools. Jonathan in the wake of graduating got acknowledged in the building program, which is a hard program to get into since a high normal is fundamental. Private schooling costs cash, along these lines making it a business that offers types of assistance and like some other business ought to be considered dependable if their administrations fizzle, or doesn't satisfy the guideline that the school vows to meet. I accept that the school is a lot of answerable for Jonathan's post optional inst ruction. Non-public schools invest wholeheartedly in the way that they can give superior instruction than state funded schools and that they set up their understudies with the apparatuses they have to make due in the college world. It is additionally essential to take note of that this case has not yet been ruled for Jonathan and that Jonathan ought to be allowed to substantiate himself. The way that this activity against the tuition based school is occurring shows that Jonathan has worthy motivation for his choice to bring his case under the watchful eye of the appointed authority.

Tips For Writing Essays For Scholarship

Tips For Writing Essays For ScholarshipIf you want to write an essay for scholarship on average college entrance exam (commonly called SAT), there are various tips and ideas that you should follow to make your writing essay effective. First, make sure that you are not pressured to write essay. Remember that your whole goal is to answer the essay on average college entrance exam.When you study or prepare to write an essay, you should not be thinking about the essay on average college entrance exam, but about your goal. You should focus on what you need to do for the essay. Also, if you have problems getting your ideas out, you can try not to focus on the topic as well. Try to think of something else other than the topic to write about, and write down all of your ideas in a notebook.Another tip for you to write an essay for a scholarship is to keep writing. Do not quit writing until you are done. Even when you feel that you have all of your ideas written down, keep writing until you ar e done.In addition, when writing your personal statement, you should use your best vocabulary. Although you may not use your best English language skills in the essay for a scholarship, you should still use your best vocabulary so that you can convey what you mean. However, if you do not know English, you can use different English language styles for expressing yourself.When you have chosen the topic of your essay, you should write each sentence in a way that is easy to understand. If you find that it is difficult to write an essay for a scholarship, you can opt to use a vocabulary flash card to help you in writing the sentences. Although this may seem like a waste of time, it can really help you learn to write the sentence properly.When you are about to write the essay for a scholarship, you should know the subjects that you have to cover in the essay. When you write the first paragraph, you should begin by stating your purpose. Make sure that you give the reader a reason why they should read the essay for scholarship.You can also include statements in the first paragraph of the essay that will help the reader know what they are about to read. If you have something that they want to learn more about, you can include a question at the end of the paragraph or beginning of the essay. This will help the reader get an idea that what they are reading is related to the topic they have been asked about.Writing the essay for scholarship may be frustrating. It may seem that you can't write well and that it is impossible for you to write a good essay. However, you can still write good essays if you follow these tips to help you learn how to write for scholarship.

DEEP WOODS :: essays research papers

Nightfall has fallen, and now it’s simply beginning to infiltrate the covering of the backwoods. The trees appear to move the music of the night breeze and the delicate stir of leafs praise the general air. The tunes of flying creatures have been completely supplanted by an ensemble of crickets and different creepy crawlies, and I am by all accounts their sole crowd. My eyes peer into the melancholy attempting to make out what lies ahead, absent a lot of progress. Before long I understand that I need to let my different faculties take over all together forge ahead. I track onto what is by all accounts an ocean of greenery that covers a huge bit of the woods floor, shaping a thick green rug. Every one of my means leaves a green misery, which rapidly top off and delete all proof of my passing . The delicate surface of this floor covering welcomes me to dispose of my shoes and I do as such without the slightest hesitation. The green ocean rapidly overwhelms my feet and I enjoy on the smooth surface that brushes them. Hesitantly, I leave my floor covering of greenery and make a fruitless endeavor to discover my shoes. I adventure onto a meager path that is choked with undergrowth and gradually, begin advancing down it. I don't appear to feel any distress because of the absence of shoes on the opposite the sentiment of the delicate clammy earth under my feet is an exceptional encounter. The stars are simply just beginning to peer through the complicated interwoven of leafs and light fixes of the timberland floor. Fireflies move like pixies and touch off little fixes of light, which haphazardly shows up and afterward unexpectedly vanishes. I stop for a second, dazzled by this dance’s excellence, and afterward I understand that I have gained little ground since I went onto the way. My consideration moves back too my walk and I progress forward. The fragrance of pine looks into my noses and endeavors to entrance me. Its spell is suddenly broken by the unquestionable sound of streaming water. I get attracted to a spot where the tall goliaths of the woods have separated to clear a path for a little stream. The reflection caused my the moon’s light makes its surface discharge an eccentric silver shine which makes the trunks of close by trees look like premonition dull ghosts. Indeed, even in this light, I am ready to make out the variety of smooth stones that litter the stream’s bed.

Improvements to the Correctional System Assignment

Enhancements to the Correctional System - Assignment Example Successful preparing will help in the acknowledgment of these expert standards. Preparing on compelling restorative intercessions may permit the jail staff to comprehend the most expert method of dealing with prisoners. The preparation may include remedial framework direction that permits detainees and jail superintendents to receive targets, social standards, viable cooperations, and satisfactory practices. The preparation can likewise outfit the gatherings with powerful relational abilities that will cultivate successful collaborations, diverse correspondence, and expert revealing. Other preparing may include the administration of detainees and address prisoner practices and issues that emerge in the office. The preparation will empower the jail staff to show polished skill and respectability in tending to inmates’ issues. At last, the preparation may spin around adjustments wellbeing and security. The jail staff will pick up information on the best way to keep up a protected and secure condition that will help in killing physical, substance, and organic dangers in the office. Also, adjustment frameworks can upgrade polished skill by receiving moral and good standards in revision offices. In a perfect world, keeping up morals and profound quality in an adjustment office is extremely testing. Notwithstanding, adjustment frameworks can structure and embrace a successful code of morals that will oversee the conduct and collaborations between the detainees and jail staff like police watches. The code of morals will professionalize remedial mediations, restorative choices, and cooperations between the detainees and jail staff. Besides, the code of morals will guarantee that detainees demonstration morally and ethically towards individual prisoners that will cultivate the possibility of rehabilitation.â â

Art, Violins, and the Finer Things in Hong Kong

Art, Violins, and the Finer Things in Hong Kong They say a Hong Kong second is a New York minute. After spending the past two months here, I wholeheartedly agreeâ€"so many days have gone by in a blur, and I’m somehow halfway done with my semester abroad! In an effort to slow things down, I treated myself to a weekend of art and enjoyment. After I got out of class on Friday, I met up with some friends to go to an art studio that was hosting an “art jam.” For a small fee, we could hang out in the studio and paint whatever we wanted to, with all of the art supplies provided for us. I stared at the blank canvas in front of me for about ten minutes, deliberating what I should paint. I wanted to create something that would always remind me of my time in Hong Kong, and the first image that came to mind was of the traditional red-sail Chinese boats that I always see in Victoria Harbour: I’m not a skilled painter by any means, so I just applied a series of random brushstrokes and hoped for the best. I got a bit lazy when it came to painting the city skyline in the background, so I ended up cutting building shapes from newspaper and gluing them on. My attempt at  painting Me and my more artistically-inclined friends The next day, I went to a recital featuring Ray Chen, an internationally celebrated violinist. My friend Heidi is a huge fan of classical music and is a talented violinist herself, so it was really fun spending the evening with her. I’ve always enjoyed classical music while studying or relaxing, but I never knew it could be so exciting live. It was surreal getting to experience the show in Hong Kong, tooâ€"I think it was the first time I was in a room full of people who were all completely still! It was nice to  get out of my own head and appreciate beauty in different forms this weekendâ€"it gave me a new sense of perspective, and Im ready to take on whatever the second half of this semester has in store! Ria Class of 2018 I'm studying both Finance and Information Systems and Information Technology in the Gies College of Business. I’m from Los Altos, California.

Do Supplements in Diets for Weight Loss Really Work - Free Essay Example

The Centers for Disease Control and Prevention (CDC) works with the National Center for Health Statistics Data (NCHS) each year to conduct the National Health and Nutrition Examination Survey (NHANES), which provides us with data on the prevalence of obesity in the United States. For the years 2013-2014, it is noted that more than 2 in 3 adults (70.2 percent) were considered to be overweight or have obesity. Numbers since then have been on the rise. With such high prevalence of obesity, over half of us report being on a diet. The Council for Responsible Nutrition (CRN) states that the majority of those who report being on a diet – 68 percent – take dietary supplements and that this percentage has remained consistent over the past five years. Consumer surveys conducted by the CRN show that most supplement users aged 18-34 – 66 percent – anticipate their supplement use will increase over the next five years. According to the Office of Dietary Supplements at the National Institutes of Health, Americans spend over $25 billion per year on more than 50,000 products containing vitamins and minerals, herbs and botanicals, and other ingredients such as glucosamine, fish oils, and probiotics. Should Americans be using these supplements for weight loss? Do they really help us lose weight and are they safe to use? FDA REGULATION Dietary supplements are available in a variety of different forms from pills, capsules, and gel tablets, to powders, extracts, and liquids. There are hundreds of herbal supplements and over-the-counter drugs that dont require a prescription from a healthcare provider. Most Americans believe that what they find on the shelves of their local convenience store or pharmacy is trustworthy, effective, and safe to use. The scary truth is that many over-the-counter drugs and herbal supplements are not regulated by the Food and Drug Administration (FDA). Without FDA regulation, a lot of what we know about the drug or supplement is unknown including facts on its effectiveness, measurements of the active ingredient(s), and if any harmful substances are used or included. In fact, recent FDA investigations have found that nearly 70 kinds of diet pills were spiked, laced, and flooded with dangerous drugs. The only drugs that promise FDA regulation are prescription medications, drugs prescribed by a physician. There are over a dozen different prescription weight loss drugs on the pharmaceutical market and even though they are FDA regulated, doctors are still leery to prescribe them. This is because failure to follow a physicians exact instructions or taking too much of a weight loss prescription medication has been proven to lead to sleep problems, palpitations, an increased heart rate, stroke, and even heart attacks. Because of this risk, physicians will only prescribe weight loss medications to those who have a body mass index (BMI) greater than 30 or those who have a BMI of 27 and a comorbidity such as hypertension, high cholesterol, or diabetes. CLINICALLY MEANINGFUL During a 2016 study of 28 long-term trials of prescription drugs used for the treatment of obesity, researchers confessed that a person taking a prescription weight-loss drug while making appropriate lifestyle changes, only increases their likelihood of achieving clinically meaningful weight loss within a year. In research, clinically meaningful weight loss is generally defined as 5 percent or more of body weight, meaning only enough weight has been lost to lower ones risk of heart disease, diabetes, or other weight related health diseases. THE FACTS Ann Thurn, director of the Office of Dietary Supplements communications program at the National Institutes of Health (NIH), says that People may not know that many manufacturers of weight-loss supplements dont conduct studies in humans to find out whether their product works and is safe. For example, the ingredient chromium, may help people lose a very small amount of weight and body fat, and is safe; but another ingredient, raspberry ketones, havent been studied enough to know whether theyre safe or effective. Consumers should keep in mind that many supplements contain more than one ingredient, and these combinations often have not been studied for their safety or effectiveness. We encourage people to talk with their health care providers to get advice about dietary supplements and to visit the ODS website to learn valuable information about these products. The NIH assembles fact sheets on the ingredients in exercise supplements and dietary supplements that manufacturers have cl aimed produce increased performance and/or increased weight loss. These fact sheets list everything that is known about a supplements safety and effectiveness and are available to the public. HERBAL SUPPLEMENTS Hoodia is an herbal supplement, plant-derived, and available in pill, liquid, and lollipop forms. Its grown naturally in Botswana, South Africa and Namibia and was originally used by African leaders when going on long journeys to hunt or wage war. The substance tricks your body into believing you have enough fuel and do not need to eat any more food by increasing the amount of energy in the brain. The herbal supplement has been sold in the United States – and in the last year – more than it has ever been grown in African countries. Its become so popular that one manufacturer, which made the drug available in milk chocolate chews, claims to have acquired $20 million in a year. A 30-day supply found in health food stores often costs consumers around $35. Despite its popularity and soaring internet sales, the South African appetite suppressant has few to almost none published, scientific studies that support the promise of weight loss. In fact, only one laboratory s tudy has been used as evidence. This evidence, produced by David MacLean, MD, an adjunct associate professor at Brown University and a former researcher at Pfizer – a pharmaceutical company – reported, that a molecule in hoodia, called P57, likely has an effect on the brains hypothalamus, which helps regulate appetite. He goes on to state that his study was done and tested strictly in animals. Another herbal supplement that has gained popularity in the United States over the years is bitter orange. Its effects are similar to synephrine, an increase in energy and a reduction in appetite. But what most claims fail to note is that synephrine is a natural chemical that is released when we need to run from real, imminent danger. This type of chemical is not appropriate or safe to put freely into our bodies due to its side effects of increasingly high blood pressure – enough to cause a stroke. OVER-THE-COUNTER DRUGS Over-the-counter drugs can also mislead us into believing they are safe and effective to use for weight loss. For example, orlistat, the only product that is FDA approved, stops our bodies from absorbing calories. It does so by coating our intestines with enzymes that disable our bodies from absorbing fat. Therefore, no fat absorption means no calories can be absorbed. So, whats the catch? Lets say you eat a plate of cheese fries, or nachos, doing so will overload the enzyme-stopping system, resulting in bloating, gas and oily, loose, and frequent stools. The only way to avoid this messy complication is to keep your total fat intake under 30% or less. High-fiber supplements and psyllium husks are also recommended to aid in the digestive process and avoid the complication. The worst part? Orlistat inhibits our bodys ability to absorb essential vitamins – vitamin A, D, and E – so multivitamins must also be taken (in addition to high-fiber supplements, psyllium hu sks, and a total fat intake of less than 30%) if you choose to use this over-the-counter drug. VITAMINS FOR THE WIN Authors, Arielle Levitan, MD, and Romy Block, MD, state in their book The Vitamin Solution: Two Doctors Clear the Confusion About Vitamins and Your Health, As part of a healthy living plan that includes clean eating, exercise, and stress management, we find that vitamins and minerals can play a role in weight loss and weight management. Many, if not most of us, have nutrient needs that are unmet by diet alone. When we replenish these deficiencies with the right vitamins and minerals, in proper doses, then we can satisfy our bodys nutrient cravings and in turn, reduce our unhealthy eating. They go on say that patients report better sleeping patterns, increased energy, better exercise habits, less of an appetite, and healthier food choices. So which vitamins are the most effective? VITAMIN D The American Journal of Clinical Nutrition published a study that found that overweight and obese adults taking vitamin D supplements in conjunction with calcium lost a significantly more amount of stomach fact versus people who were not taking any supplements. Being vitamin D deficient causes our body to convert sugar to fat, instead of energy, resulting in easy weight gain. Also, overweight and obese individuals – especially those that are physically inactive have lower vitamin D levels. Failure to correct vitamin D deficiency can lead to metabolic syndrome, a collection of heart disease risk factors that increase the chances of heart disease, stroke, and diabetes. Physicians and other health care providers can test to see if you are vitamin D deficient by checking your blood levels. IRON Studies have proven a positive correlation between iron deficiency and obesity. Furthermore, studies have also revealed reductions in BMI, body weight, and waist circumference after successful treatment of iron deficiency. Iron also aids in increasing energy levels, which may help increase exercise and result in effective weight loss. If you want to avoid another pill, iron can be found in red meat and a variety of vegetables. Women experience iron deficiency more often than men due to menstruation and therefore require a higher dosage – men need 8 mg per day; women need 18 mg per day. Vitamin C is recommended in conjunction with iron supplements to aid in absorption. MAGNESIUM Dr. Friedman notes a number of benefits from magnesium in his book, Food Sanity: How to Eat in a World of Fads and Fiction, Magnesium is an essential mineral, and research suggests it can relax your muscles, help you feel calm, and improve your sleep – and all of those things can help you lose weight. A lack of sleep is a key contributing factor to weight gain. Sleep deprivation is a leading cause of the obesity epidemic, and plenty of research supports this notion. If you are suffering from insomnia, it could be due to a magnesium deficiency. People with low magnesium often experience restless sleep, waking frequently during the night. Magnesium plays a role in supporting deep, restorative sleep by maintaining healthy levels of GABA, a neurotransmitter. Magnesium increases GABA and can improve sleep quality. The Womens Hospital in Boston conducted a study that found that poor sleep slows our bodys metabolism and raises our blood sugar levels. Recommended magnesium levels for men are 400 to 420 mg; for women – 310 to 320 mg. THE SAFEST BET It is of no surprise that the safest way and the most effective way to lose weight, and keep it off, is by eating a healthy low-calorie diet and being more physically active. There is no magic pill for losing weight. Weight-loss pills, whether they are prescription drugs, nonprescription drugs, herbal products, or some other kind of dietary supplement, are all just stepping stones that may or may not help with weight loss. With that being said, if you think you absolutely need something to jump start your diet, caffeine can be a healthy option. Its safe to start your day with two cups of black coffee – no cream and no sugar. This will increase your metabolism. Caffeine releases epinephrine, also known as adrenaline, which helps breakdown fat stored in our body. 100mg of caffeine – about one cup of coffee – boosts thermogenesis, or calorie burning, for a few hours following consumption. While caffeine does give you an extra boost for calorie burning, it can cau se elevations in heart rate and blood pressure. Because of this, you should contact your doctor or healthcare provider before starting this weight-loss trick, or before using any weight-loss dietary supplements.

The Importance of the Setting in Wuthering Heights Essay

The Importance of the Setting in Wuthering Heights There are numerous approaches to analyzing and understanding a novel, with the setting being one of utmost importance. It is one of the first aspects noted by readers because it can potentially increase their identification of specific motifs, and subsequently themes, through repetitively emphasizing the natural setting that penetrates conversations, incidences, thoughts, and behaviors. The author typically creates a setting that facilitates the development of a proper atmosphere and mood while maintaining a sense of veracity for the reader. In Emily Bronte’s classic novel, Wuthering Heights, the setting not only successfully satisfies these fundamental guidelines, but it also†¦show more content†¦This sharp contrast, taken in conjunction with Bronte’s immediate warning of the setting’s importance, alerts the reader that these basic differences will serve more than a literal role of creating an appropriate mood for the story. In fact, the Yorkshire setting is an essential and repetitive character in Wuthering Heights representing the heightened emotional states of the characters and a visual indication of their personalities. Through the descriptions of the Heights, its violence, strength, and cheerless tone are reflected in the physical and behavioral attributes of the inhabitants. Mr. Lockwood notes, â€Å"They could not every day sit so grim and taciturn, and it was impossible, however ill tempered they may be, that the universal scowl they wore was their every day countenance† (45). In particular, Heathcliff is regarded as especially dark and scornful throughout the novel as Lockwood â€Å"beheld his black eyes withdraw so suspiciously under their brows† (37) and his manner of speech often portrays â€Å"a genuine bad nature† (45). On the other hand, the occupants of Thrushcross Grange are calm, refined and depicted as quite feeble characters. For instance, Linton, Isabelle’s son, is regarded as a â€Å"pale, delicate, effeminate boy† when met by Young Catherine and Nelly Dean at the Grange after his mother’s death (201). As children,Show MoreRelated Importance of Setting in Emily Brontes Wuthering Heights Essay1016 Words   |  5 Pages Wuthering Heights:nbsp; The Importance of Settingnbsp;nbsp;nbsp;nbsp;nbsp;nbsp; nbsp; Love is a strong attachment between two lovers and revenge is a strong conflict between two rivals. In the novel Wuthering Heights, Emily Bronte uses setting to establish contrast, to intensify conflict, and to develop character. The people and events of Wuthering Heights share a dramatic conflict. Thus, Bronte focuses on the evil eye of Heathcliffs obsessive and perpetual love with Catherine, andRead MoreEssay about Importance of Setting in Emily Brontes Wuthering Heights942 Words   |  4 PagesThe Importance of Setting in Wuthering Heights      Ã‚   Wuthering Heights is a timeless classic in which Emily Brontà « presents two opposite settings. Wuthering Heights and its occupants are wild, passionate, and strong while Thrushcross Grange and its inhabitants are calm and refined, and these two opposing forces struggle throughout the novel.    Wuthering Heights is out on the moors in a barren landscape. Originally a farming household, it sits [o]n that bleak hilltop [where] theRead More The Importance of Setting in Developing a Theme for Wuthering Heights by Bronte839 Words   |  4 PagesWhen Emily Bronte wrote Wuthering Heights England was going through a time of great change. It?s past agrarian society was changing and the common man was able to obtain wealth. Setting helps us to further understand the conflict between the natural world and cultured humanity, through the two main houses in text, and the social situation on the English Moors. Wuthering Heights uses this time of social unrest to develop the theme of the natural world in conflict with cultured humanity. An exampleRead MoreClass and Gender in Wuthering Heights Essays704 Words   |  3 PagesEmily Bront#235;s novel Wuthering Heights. Social contrasts and gender boundaries create oppression and tension amongst the characters, affecting their composure and behaviour throughout the novel. The most obvious distinction between upper and lower classes is with the two settings; Thrushcross Grange and Wuthering Heights. Both places differ significantly in both disposition and appearance. The society in Wuthering Heights is that of the working class. Wuthering Heights is a worn out farm thatRead MoreThe Implications of the Title Wuthering Heights Essay1431 Words   |  6 Pagesextra-ordinary strength and passion as Heathcliff or Catherine. But on close scrutiny, a reader can perhaps discern the reason behind her choice, the fact that Wuthering Heights is at once a motif, a setting and according to a few critics, even a ‘premonitory indication’ of the tempestuous nature of things soon to occur. ‘Wuthering Heights’, although having survived the test of time as a work that is poignant and passionate, and eminently capable of holding the reader’s attention, received mixedRead MoreWuthering Heights Character Profile1602 Words   |  7 PagesIndependent Novel Project: Wuthering Heights: Emily Brontà « In the winter of 1801, our main character or the protagonist of this story, Lockwood, shows up at Wuthering Heights to make arrangements with Heathcliff who is another dominant character in this story, to rent the nearby manor. Heathcliff, the landlord, makes no effort to be pleasant and immediately becomes a source of deep curiosity to Lockwood. A snowstorm forces Lockwood to spend the night at Wuthering Heights, and he has crazy nightmaresRead MoreThe Conflict Between Nature and Culture in Wuthering Heights by Emily Brontà « and a Room with a View by E.M.Forster1649 Words   |  7 Pagesâ€Å"Man is born free, but everywhere he is in chains.† - Jean-Jacques Rousseau Many readers enjoy ‘Wuthering Heights’ as a form of escapism, a flight from reality into the seclusion and eerie mists of the Yorkshire moors, where the supernatural seems commonplace and the searing passion between Catherine and Heathcliff absolute. Yet Wuthering Heights reaches much further than its atmospheric setting, exploring the complexities of family relationships and Victorian society’s restrictions; similarly, inRead MoreEmily Bronte s Wuthering Heights Essay1220 Words   |  5 PagesEmily, while Emily became shyer, Charlotte developed a dominant attitude (â€Å"Charlotte Brontà «Ã¢â‚¬ ). Initially unsuccessful, Wuthering Heights was written during the years 1845 and 1846 by Emily Brontà « and published in 1847 under the pseudonym Ellis Bell (â€Å"Wuthering Heights†). The novel follows two generations of orphaned lovers between the manors Thrushcross Grange and Wuthering Heights. Later, Charlotte Brontà « wrote Jane Eyre in 1846 and publish ed it in October 1847 under the pseudonym Currer Bell(â€Å"JaneRead MoreWuthering Heights: Conflict Between Savage and Civilised1601 Words   |  7 Pagescivilization in Wuthering Heights As Charlotte Bronte mentioned on sister Emily’s Wuthering Heights: †Ã¢â‚¬ ¦She did not know what she had done;† creative artists â€Å"work passively under dictates [they] neither delivered nor could question.† I can say that Emily Bronte knew what she was doing when approaching the issues of the Wuthering Heights. The antagonic play between nature and culture in Bronte’s vision were of great impact at the time and I could say that this is a reason why Wuthering Heights is a literaryRead MoreTrapped in the Body of Society1483 Words   |  6 PagesBorn in the beautiful, wet and green country of England in 1818, Emily Jane Brontà « would grow up and write one of the literary world’s most acclaimed work of literature. Before she wrote Wuthering Heights in 1847, Emily Brontà « came from a very creative household as both of her sisters, Charlotte and Anne Brontà «, were also writers with whom Emily would enjoy spending time with writing prose and poetry. Because the Brontà « sisters lived a strongly patriarchal society where the ideal Victorian woman

Offer investors the highest expected rate of return - Free Essay Example

Sample details Pages: 8 Words: 2401 Downloads: 4 Date added: 2017/06/26 Category Finance Essay Type Argumentative essay Did you like this example? INTRODUCTION The main aim of this case is to find the portfolio that will offer investors the highest expected rate of return for any degree of risk they are willing to tolerate. Extra returns are needed by the investors for taken a higher level of risk and covariance measures the process in which the returns of two securities vary with each other. Sandra is a new investor; she needs the basic idea on risk-return tradeoff and on portfolio management from Bolton in order to make the right investment. When investors are considering investing in a security market, the problem they face is deciding how much to invest or hold and choosing the best security which depends on the characteristic of risk-return of different individual securities. RELATIONSHIP BETWEEN RISK AND RETURN People invest their money in order to have good income which will help them in the future; this investment involves risk and return. The risk and return are the process through which investors makes decision. The inv estment return is the compensation given to investors for the time spends waiting and the worries based on the risk of an asset invested. (Brealey,Myers Marcus, 2009,p.317). Investors uses the historical record to measure the current opportunity cost of capital which is the return that shareholders gives up for investing in a project and probability is used to estimate the possible situation which will occur within the period of investment. (Roses,Westerfield Jordan,1998,p.367). In appendix A, the risk premium serves as the compensation to investors for investing on that particular asset. When comparing individually, the utility-company is the best decision based on their coefficient-variation since it has the lowest value in units i.e. having 2.65% of risk, 9.7% of return and 0.27 of coefficient-variation. Then High-tech-company has 21.91% of risk, 10% of return and 2.19 of coefficient-variation. Counter-cyclical-company has 12.07% of risk, 5% of return and 2.41 of coeffici ent-variation. Therefore expected return depend on the risk involved and Investors uses the past record to estimates the future using the method of arithmetic average, variance, standard deviation since he assume that the future will be like the past. A good investor needs to choose a project which has higher return and lower risk but when its difficult to decide between two asset, then coefficient-variation may help. HOW BETA RELATES TO REQUIRED RETURN Pls draw another chart of beta in your tutorial paper at the back. figure1 Any potential investor that wants to get good return with better risk when investing on a market portfolio should able to understand the meaning of beta because it measures systematic asset or non-diversifiable risk in order to get a high return. Beta is the sensitivity of the return of stock over the variety in market portfolio return. (Brealey, Myers Marcus 2009,p.340). It is the measure of risk on the portfolio of an individual stock a nd it account for both stocks for standard deviation and correlation among other securities available in the market.(levy Alderson,1998,p.307). The market risk premium depends completely on the beta in order to get assets risk premium. Therefore beta is an important determinant of an asset expected return in order to eliminate a systematic risk which cannot be diversified. An average beta is 1.0, risk free rate is 0. Aggressive-stock shows that its riskier than the market portfolio but provides larger gain while Defensive-stock shows that stock will fluctuate less than the market which is relatively safer but provides lesser gain. Also based on the calculation in appendix C, the beta for the individual asset are Utility-company is 0.529, High-Tech-company is 0.207 and counter-cyclical-company is -0.356 showing that all the individual asset are on defensive-stock. The formula is Beta j = Covariance mj / rm. The company with the highest risk is Utility-company and the lowest ri sk is Counter-cyclical-company. Composite index is preferred more than index fund because is a standardized combined indexes which provides useful measures statistically in overall market performance. Also the expected return is more than the index fund and the chances of risk is very low compared with index fund as shown in appendix B, i.e. having return of 18.70% and risk of 4.96% while index fund has only 8.40% of return and 10.72% of risk. WHY WE HAVE TO DIVERSIFY OUR INVESTMENT Since investors cannot be able to reduce their risk and return of two assets based on each scenario performance then it is better to diversify in-order to balance the risk and return of any two assets. Diversification is a principle designed which reduces the variability of risk by spreading the market portfolio across many investment.( Brealey,Myers Marcus 2009,p.323). Its the distribution of investors saving among different securities and it reduces investors overall risk of their holding either as losses in one investment or partial profit attained in another investment. (Lee, Finnerty Norton,1997,p.39). Therefore diversification is the spread of risk and return of two or more assets with different characteristics. In the calculation shown in appendix D, the right choice is Utility-company which its risk is 2.65% and return is 9.70% while the risk for Counter-cyclical-company is 12.07 and its return is 5% but needs to be diversified in order to balance the scenario performance of both companies. Diversification is applied by Investing 75% in utility-company and 25% in Counter-cyclical-company which gives a portfolio return of 8.53% and 1.41% of risk. The portfolio risk of a stock depends on whether the return tends to vary or against the return of other portfolio asset. Not to put all eggs in one basket. Sandra diversify primary to reduce unnecessary risk in order to maximize the present-value of her lifetime consumption and diversification reduces risk by de creasing the amount of uncertainty of return without reducing expected return. The Possible situation which can affect the stock price may be as a result of macroeconomic factors. DETERMINING UNDERVALUE AND OVERVALUE FROM SECURITY MARKET LINE Figure2 Any investors who those not want to lose his or her investment in the market suppose to understand what SML means in order to make the right decision. Security market line shows the standard for investing different fractions of market fund based on the risk and expected return.(Brealey,Myers and Marcus,2009,p.349). SML signify or establish a linear relationship between beta and the expected return for all the assets.(Levy and Alderson,1998,p.319). In figure2 above calculated in appendix C, the individual stock at Beta 0.529 offers 12.24% expected rate of return, risk free rate of 5% and market risk premium of 13.7%. No investor will buy when the stock offered a lower rate of return. The price will drop if nobody decides t o hold the stock which is a better buy for investors. This will lead to a higher rate of return and the expected return will move to 12.24%, therefore at this point the capital assets pricing model holds at the expected return and the price. The Utility-company is overvalue because is below the SML line while High-tech-company and Counter-cyclical-company is undervalue because is above the SML. The Capital Asset Pricing Model helps to show that the expected rate of return of all securities and portfolio lie on security market line and also expected rate of returns depend completely on the beta. The CAPM is graphically represented by SML. EFFECTS OF INTEREST RATE IN A DIVERFISIFIED PORTFOLIO Investors needs to know what it means when the rate is high or low and focusing very well in the interest rate movement in order to make reasonable decision. Capital Asset Pricing Model is described as the relationship between return and risk which states that the expected risk premiu m on security is equals to its beta times the market risk premium.(Brealey, Myers Marcus,2009,p.348). It explains the exact linear equilibrium relationship between the beta and the expected rate of return of individual assets and portfolios. (Levy Alderson,1998, p.322) Based on the definition of diversification explained previously, if Sandra choose a well diversified portfolio, these will be as a result of when the stock more than 12.24%, then diversified investors will like to buy more of that stock which will automatically increase the price and the expected return will decrease until it is at the level of CAPM. CAPM is a recognized instrument or techniques which help to adjust risk discount rate through the analysis of portfolio i.e. risk are measured in beta factors and these measures the sensitivity of its return on a quoted shares based on the market movement as a whole. INVESTING ON FIXED-INCOME SECURITY Any Potential investor like Sandra who those not know whe n the investment is defensive or aggressive should better put her money bank on a fixed income security. A project NPV or cost of capital is the amount which is expected to multiply the wealth of current shareholders of a firm and the rules is that if the proposed projects NPV is positive, then invest but if not dont invest. (BodieMerton,2000,p.168). The project cost of capital is the acceptable minimum expected rate of return on a project with its risk given. (Brealey, Myers Marcus,2009,p.357). If Sandra prefers to put all her money in fixed income securities, then the cash-flow of the project needs to be calculated. If for example the future interest rate of return is 18%, risk free offers a return of 5% and expected market risk premium is 13.7% with zero beta: r=rf+B(rm-rf), = 5+(0x13.7)= 5%, then since the expected return is 18% while the cost of capital is 5%, Sandra should go ahead but if compared with the exact project return of 18.7% company cost of capital, then th e project is not worthwhile. Furthermore, in the cost of capital, if the market portfolio has the same risk with the project and the beta is 1.0, it means that its still worth investing on even though the project appearance is less attractive. GROWTH RATE A HOT TIPS FOR UNDERVALUE STOCK A hot tip is an important idea given to new investors like sandra in order to monitor its investment knowing whether it is in the right track or not. Growth stock: when firm stock are repurchased, the stock are considered to be undervalued, which means that the market is less than the present value of future stock expected cash-flow and this decision is concluded when management uses Present Value evaluation models. (Levy Alderson,1998,p.478). When the future investment opportunities which are expected to yield a rate of return is greater than the required risk adjusted rate of the market.( Bodie Merton,2000,p.242). Investors buy growth stock and income stock expecting to have capital gain s and cash dividends in the future.(Brealey, Myers Marcus,2009,p.201) Therefore hot tips regarding undervalue stock is an identified movement of stock growth knowing up-to-date and valuable information on when to buy stock which guarantees successful trading on the stock market. This superior knowledge and strategy makes investors like Sandra to have confidence, secure and buy right stock at the right time with excellent return not minding what the market will be in the future. DIVERSIFYING EQUALLY IN THE STOCK OF TWO COMPANIES Diversifying equally in the companies is a good choice for Sandra so as to balance her risk and return between the companies which can sometimes eliminate risk completely. the calculation shown in Appendix E, it explains that High-tech-company has higher return of 10%, higher risk of 21.91% and beta of 0.207 while counter-cyclical-company has lower return of 5%, lower risk of 12.07% and beta of -0.356, this is difficult to choose without beta but using the beta method will now help Sandra to make the right decision. When Sandra invests her money equally on the two companies through diversification then the expected return will be 7.50% and the risk will be 6.63%, these shows that when two companies are joined together, the volatility will decrease as a result of the performance in each scenario. Finally, the inverse relationship between the two companys return mean that adding Counter-cyclical-company in all the High-tech-company stabilizes the portfolio returns. The Counter-cyclical-company reduced the return performance of the High-tech-company but improving the worst-case return. Therefore every investor cares about its risk and expected return of their portfolio assets. INVESTING 70%:30% IN A DIVERSIFIED PORTFOLIO An investor that invested with index-fund with 70:30 is also a good choice except that the risk is very high compared with 50:50 above. Index fund is an investment collective scheme or rules set which is held constant not minding the movement of the market. it is usually an exchange trade-fund or mutual fund constructed with a portfolio to track the market index components. The calculation shown in appendix F, explains that High-tech-company has return of 10% and risk of 21.91% while index fund has return of 8.4% and risk of 10.72%. To stabilize the risk, the two components will be combined through diversification using 70:30 respectively for High-tech-company and index fund and the result shows a return of 9.52% and risk of 18.54%. This combination of 70%:30% is good but using 30%:70% is much better as shown in appendix G. The returns will be 8.88% and risk is 14.06. The reason is because the different between 70%:30% and 30%:70% for High-tech-company and index fund is that, the return difference is only 0.64 but the risk is reduced more with 4.48. also investing more on index fund is much better based on the definition explained above and also when measuring the amount of risk per unit of return, 70%:30% gives 1.95 but 30%:70% gives 1.58. BEST SUGGESTION ON DIVERSIFIED PORTFOLIO The possible portfolio combination for Sandra that is more better than 30%70% in High-tech-company and index fund is investing 10%:90% as shown in Appendix H, because when measured per unit of risk over the return it will be 1.38 even though the return is still reduced to 8.56% but the risk is also reduced more by 11.83%. If Sandra choose this diversified portfolio its a good choice since it is the principal key relies mainly on statistical approximations in order to stabilize any chances of risk and return in her investment, no matter the fluctuation in the market or economic crisis around the globe. CONCLUSION Any comprehensive collection of risk measures should capture the following characteristic of the entire financial system which includes leverage, liquidity, correlation, concentration, sensitivity and connectedness. Therefore weather a particula r stock moves up or down is not that important to investors but what is important is the return and risk of that portfolio stock. Also using beta to estimate a systematic risk which cannot be diversified or better still invest fully in a fixed market income. Risk aversion explains that high security risk result to low price and high required return. Don’t waste time! 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Upton Sinclair A Voice For Food Safety Essay - 1501 Words

In 1906 Doubleday published a fiction novel based in reality and centered on immigrant life in the Chicago meat packing district. â€Å"The Jungle,† was written by Upton Sinclair, a 27 year old author from Baltimore under a $500 advance from a socialist newspaper. This novel soon became a focus of controversy and change within the United States. Though known more for it’s horrific portrayal of the conditions inside slaughterhouses, only 60 pages of the 413 pages that make up â€Å"The Jungle† detail the goings-on of the meat packing industry.Sinclair’s book was intended to be a political and social commentary on the plight of the worker during the turn of the century. Oddly enough, the story opens with a wedding. The protagonist, Jurgis†¦show more content†¦Jurgis’ father, Antanas is also betrayed by the American dream, and is only able to find a job if he provides a kick-back of 33% of his wages to the man who found it for him. 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The Privacy Policies Of The Grocery Store Chains - 1936 Words

Introduction This paper examines the privacy policies of three grocery store chains. The stores chosen include the regional chain Giant and the national chains Safeway and Whole Foods. Section one provides an overview and examination of the mission statements of each of the chains. Section 2 analyzes and compares the privacy policies of each. Section 3 provides recommendations to the privacy policy to improve business advantages. Finally, Section 4 recommends changes to the policies based upon privacy and data protection for customers. 1. Mission Statements Giant Food Stores, LLC Giant Food Stores were founded in 1923 in Carlisle, PA as the Carlisle Meat Market. Since then it has grown into a regional grocery chain operating over 200†¦show more content†¦The mission of Safeway is to â€Å"earn your loyalty by anticipating and fulfilling their needs with superior-quality products while offering a unique shopping experience which generates long-term growth for the shareholders† (Safeway, 2016a). Safeway collects customer data through the use of their bonus/loyalty cards as well as through the use of their website and other services. Whole Foods Market Whole Foods Market was founded in Austin, Texas in 1980 making it the newest of the three grocery chains chosen for examination. Currently, they operate over 400 stores across the United States, Canada, and Great Britain (Whole Foods, 2016b). Their mission statement simply says â€Å"Whole Foods, Whole People, Whole Planet† (Whole Foods, 2016a). However, they further explain this mission statement by defining seven values. These values are quality natural and organic products, customer satisfaction, employee excellence, wealth creation, community support, environmental stewardship, and promotion of a healthy lifestyle. These value statements reflect a desire to attract an environmental and health conscious customer base. The use of bonus/loyalty cards is currently only available at certain locations in New Jersey and Pennsylvania. However, they have the availability of online ordering and collect data from customer purchases. 2. Analysis of Privacy Policies

Clical Reasoning as Described by Neistdadt - 1819 Words

AccoIntroduction The aim of this essay is to explore the Clinical reasoning thinking frame as described by Neistadt (1996). Clinical reasoning is a set of skill performed by occupational therapists which are central to practice and involved throughout the Occupational therapy process (Neistadt, 1996, AOTA, 2008). This will be done in relation to our case study of which the protagonist is Hugh, a 70 year old widower and retired baker, who was managing well an episode of depression but has recently been found apathetic, unwashed and in soiled clothes by the public mental health nurse, and referred to see an occupational therapist. Narrative Reasoning The first element of this process we will discuss is narrative reasoning which concerns itself with the construction and subsequent analysis of the client’s occupational story (Neistadt, 1996, Duncan, 2006). This process is developed through allowing the client the opportunity to create a narrative image through story-telling, this can manifest itself in an adumbration of their life experience and how it has been altered through disability, disease or transition (Duncan, 2006, Neistadt, 1996). The importance for a practitioner to explore the client’s narrative is not only in the development of their story but it also gives the therapist insight into the person and a possible future for them (Higgs, 2008). The use of certain assessments can be particularly effective in the development of a client’s narrative, one of which being

Financial Statements Evaluation Lightweight Metals Technology

Question: Discuss about the Financial Statements Evaluation for Lightweight Metals Technology. Answer: Financial Statements Analysis of Cadence Company Three Years Information on Financial Statements of Cadence Financial Statements 2016 2015 2014 Total Equity $1075 $1376 $1334 Current Assets $5,380,636 $5,279,525 $18,891,137 Fixed Assets $320,750,485 $315,829,479 $245,691,848 Total Assets $342,212,110 $336,312,044 $264,657,154 Net Income $76,513 $85,375 $30,190,056 Amount Paid to Shareholders in Cash $12,341,213 $11,111,185 $9,898,166 Amount Paid to Shareholders in Stock Buybacks $421,915 $421,915 $421,915 Total Amount Distributed with Shareholders $123,834,128 $11,533,100 $10,320,081 Short Term Debt 50 0 342 Long Term Debt 643 349 349 Cash Flow Analysis of Cadence Cash Flow Statement 2015 ($) CASH FLOWS FROM OPERATING ACTIVITIES Proceeds from the sale of investments 540,473,533 Payments for the purchase of investments (653,026,793) Capital return on investments Dividends received 8,761,126 Interest received 2,035,499 Other income received 13,950 Management fees paid (2,784,335) Performance fees paid (12,800) Brokerage expenses on share purchases (575,514) Interest paid (683,116) Dividends paid on shorts (242,449) Payments for administration expenses (707,717) Income tax paid (5,196,425) NET CASH USED IN OPERATING ACTIVITIES (111,945,041) CASH FLOWS FROM FINANCING ACTIVITIES Dividends paid (15,650,799) Proceeds from shares issued 66,440,227 NET CASH PROVIDED BY FINANCING ACTIVITIES 50,789,428 NET (DECREASE)/ INCREASE IN CASH HELD (61,155,613) CASH AND CASH EQUIVALENTS AS AT BEGINNING OF THE FINANCIAL YEAR 93,826,031 CASH AND CASH EQUIVALENTS AS AT END OF THE FINANCIAL YEAR 32,670,418 Positive cash flow of Cadence that the company is increasing its liquid assets and using its increased cash flow in reinvesting in its business operations, providing a huge return to its shareholders, paying expenses and generate a safeguard against upcoming financial challenges (Cadence.com. 2016). MVA Calculation of Cadence Market Value Added (MVA) of Cadence in the year 2014: MVA+ Capital Invested = Market Value MVA= $231,197,359- $137,735,570 = $93,461,789 Market Value Added (MVA) of Cadence in the year 2015: MVA+ Capital Invested = Market Value MVA= $302,996,147- $280,018,162 = $22,977,985 Market Value Added (MVA) of Cadence in the year 2016: MVA+ Capital Invested = Market Value MVA= $330,896,158- $290,210,184 = $40,685,974 From the MVA analysis, it was gathered that the MVA of Cadence has decreased in the year 2015 and then increased in the year 2016. Such increase is because of the reason that it is generating positive returns and having strong leadership along with sound governance (Frattini et al. 2013). Analysis and Conclusions From the financial statement analysis, it was gathered that the company experiences positive ash flow in the year 2015. This is because of the reason that the company is increasing its liquid assets and using its increased cash flow in reinvesting in its business operations, providing a huge return to its shareholders, paying expenses and generates a safeguard against upcoming financial challenges (Golez 2014). Moreover, MVA analysis it was gathered that an increase in MVA of Cadence is for the reason that it is producing positive returns and maintaining strong corporate governance. Financial analysis over three years of the company revealed that the net income of the company has decreased over the past three years. Such decrease is because of the reason that its expenses have increased over the past three years. The company is dealing with increasing overhead costs, specially as the company increased the payment of long term employees ever year (Healy and Palepu 2012). Total assets of Cadence is observed to increase over the years from 2014 to 2016 because of the reason that it is not utilizing its assets efficiently in gaining maximum profits or has made increased investments in its assets hose are not contributing effectively to the bottom line. Financial Management 1. Date Price Return Dividend Return of dividend 7/1/2016 9.522239 3.02% 6/1/2016 9.243052 0.00% 5/4/2016 0.03 -3% 5/2/2016 9.243052 -16.77% 4/1/2016 11.105247 16.60% 3/1/2016 9.524464 7.28% 2/3/2016 0.03 -14% 2/1/2016 8.878232 23.03% 1/4/2016 7.216544 -26.14% 12/1/2015 9.770547 5.45% 11/4/2015 0.03 36% 11/2/2015 9.265686 5.15% 10/1/2015 8.811746 -7.56% 9/1/2015 9.532079 2.22% 8/5/2015 0.03 9% 8/3/2015 9.32486 -3.96% 7/1/2015 9.709269 -11.48% 6/1/2015 10.968424 -10.80% 5/7/2015 0.03 13% 5/1/2015 12.29644 -6.65% 4/1/2015 13.172549 3.87% 3/2/2015 12.681769 -12.64% 2/4/2015 0.03 -3% 2/2/2015 14.517288 -5.32% 1/2/2015 15.333686 -0.89% 12/1/2014 15.470857 -8.68% 11/5/2014 0.03 1% 11/3/2014 16.94054 3.35% 10/1/2014 16.391502 4.16% 9/2/2014 15.736234 -3.13% 8/6/2014 0.03 -4% 8/1/2014 16.244801 1.53% 7/1/2014 16.000385 10.07% 6/2/2014 14.536044 9.40% 5/8/2014 0.03 -9% 5/1/2014 13.28647 1.27% 4/1/2014 13.120182 4.66% 3/3/2014 12.535764 9.63% 2/5/2014 0.03 -4% 2/3/2014 11.43511 2.27% 1/2/2014 11.18171 8.28% 12/2/2013 10.326809 10.61% 11/6/2013 0.03 -7% 11/1/2013 9.335901 3.99% 10/1/2013 8.977975 14.16% 9/3/2013 7.864202 5.45% 8/7/2013 0.03 -12% 8/1/2013 7.457433 -2.78% 7/1/2013 7.670355 1.66% 6/3/2013 7.544929 -8.00% 5/9/2013 0.03 -1% 5/1/2013 8.201009 0.34% 4/1/2013 8.173272 -0.23% 3/1/2013 8.192504 0.00% 2/6/2013 0.03 1% 2/1/2013 8.192504 -3.30% 1/2/2013 8.471679 1.84% 12/3/2012 8.318345 3.21% 11/1/2012 8.059594 -1.87% 10/31/2012 0.03 -3% 10/1/2012 8.212928 -2.94% 9/4/2012 8.461397 3.50% 8/1/2012 0.03 3% 8/1/2012 8.174894 1.42% 7/2/2012 8.060293 -3.20% 6/1/2012 8.326749 2.34% 5/10/2012 0.03 4% 5/1/2012 8.136423 -11.84% 4/2/2012 9.228986 -2.89% 3/1/2012 9.504054 -1.47% 2/1/2012 0.03 3% 2/1/2012 9.64633 0.39% 1/3/2012 9.608389 17.46% 12/1/2011 8.18037 -13.67% 11/2/2011 0.03 -15% 11/1/2011 9.475991 -6.61% 10/3/2011 10.146461 12.43% 9/1/2011 9.024315 -25.23% 8/3/2011 0.03 -11% 8/1/2011 12.07014 -12.92% 7/1/2011 13.860662 -7.12% 6/1/2011 14.923971 -5.65% 5/12/2011 0.03 8% 5/2/2011 15.817904 -0.94% 4/1/2011 15.968544 -3.74% 3/1/2011 16.588499 4.81% 2/2/2011 0.03 4% 2/1/2011 15.827645 1.87% 1/3/2011 15.537673 7.67% 12/1/2010 14.43119 17.21% 11/3/2010 0.03 -7% 11/1/2010 12.311989 0.15% 10/1/2010 12.293448 8.51% 9/1/2010 11.329805 18.49% 8/4/2010 0.03 -8% 8/2/2010 9.561571 -8.27% 7/1/2010 10.423245 11.03% 6/1/2010 9.387453 -13.57% 5/5/2010 0.03 -10% 5/3/2010 10.861825 -13.12% 4/1/2010 12.502271 -5.69% 3/1/2010 13.256317 7.07% 2/3/2010 0.03 6% 2/1/2010 12.381251 4.71% 1/4/2010 11.824618 -21.03% 12/1/2009 14.973516 28.75% 11/4/2009 0.03 27% 11/2/2009 11.629555 1.04% 10/1/2009 11.509328 -5.34% 9/1/2009 12.158002 8.88% 8/5/2009 0.03 6% 8/3/2009 11.166458 2.71% 7/1/2009 10.872259 13.84% 6/1/2009 9.550207 12.04% 5/6/2009 0.03 -12% 5/1/2009 8.523999 1.96% 4/1/2009 8.360489 23.57% 3/2/2009 6.765821 17.82% 2/4/2009 0.17 -17% 2/2/2009 5.742651 -18.30% 1/2/2009 7.02879 -30.82% 12/1/2008 10.159715 4.65% 11/5/2008 0.17 47% 11/3/2008 9.708572 -5.14% 10/1/2008 10.234806 -49.07% 9/2/2008 20.095819 -29.72% 8/6/2008 0.17 98% 8/1/2008 28.595158 -4.29% 7/1/2008 29.876507 -5.25% 6/2/2008 31.531885 -12.24% 5/1/2008 35.93148 16.71% 4/30/2008 0.17 14% 4/1/2008 30.788292 -3.07% 3/3/2008 31.764774 -2.91% 2/6/2008 0.17 4% 2/1/2008 32.716129 12.83% 1/2/2008 28.996864 -9.47% 12/3/2007 32.028873 0.49% 11/1/2007 31.871138 -8.13% 10/31/2007 0.17 0% 10/1/2007 34.692833 1.64% 9/4/2007 34.132946 7.09% 8/1/2007 0.17 -1% 8/1/2007 31.873121 -3.94% 7/2/2007 33.1819 -5.75% 6/1/2007 35.205822 -1.82% 5/2/2007 0.17 7% 5/1/2007 35.8573 16.89% 4/2/2007 30.67713 4.69% 3/1/2007 29.302752 1.47% 2/1/2007 28.8792 3.44% 1/31/2007 0.17 -1% 1/3/2007 27.919729 8.20% 12/21/2006 0.15 -3% 12/1/2006 25.803797 -3.24% 11/1/2016 0.15 -7% 11/1/2006 26.667381 8.38% 10/2/2006 24.605515 3.10% 9/1/2006 23.865053 -1.92% 8/2/2006 0.15 -2% 8/1/2006 24.33316 -4.05% 7/3/2006 25.360125 Rate of return -0.11% 3% 2. Type of Debts Cost of Debts Amount Weight Tax Rate E/V D/V Common Stock 0.00% 1391 12.99% 35.00% 15% 85% preferred stock 3.75% 58 0.54% Commercial Paper 0.60% 198 1.85% Debt Capital 1.61% 9065 84.62% Total 10712 100% WACC 2% 3. The essay is indented to conduct an evaluation on Alcoa stock and computation regarding return rate of the companys stock is done from July 1, 2006, to July 1, 2016. By taking into account the gathered information from Yahoo Finance, calculation for return rate has been conducted and a negative figure is found with 0.11% (Dumont and Schmit 2013). On the other hand, after consideration of the holding period return initiative that encompasses dividend in computation and the figure is found to be 3% that is positive. Regarding computation, it can be stated that technique of holding period return is an advantageous strategy for obtaining increased return. After computation of weighted average cost of capital that is computed through extracting current information of the company and corporate tax rate taken into regard is 35% as per the US Federal rate. WACC is deemed 2% that is reasonable (Alcoa.com. 2016). Based on public source, the Acola split news has been famous and it is also deemed that it might further split within publically trading organization. This was acknowledged to be a legacy in aluminum operation and diversification within automotive industry. The organization has attained increased growth through its titanium and aluminum manufacture and from aerospace industry. As mentioned by Alocas CEO, it was the appropriate time for attaining split. The companys business division has attained a superior position and strategy for an organization attaining increased profit and revenue. After the split up of the company, it might add 40% of its profits within the sectors of Alcoa's Aerospace, automotive and transportation and in building construction. After the organizations decision of splitting Alocas shareholders might attain 80.1% shares in fresh shares (Chauhan and Singh 2014). Aloca might acquire 85% of the organizations shareholding worth $9 billion in the debt form by offerin g support to Alcoas existence within aluminum sector. Such split might facilitate the company in boosting anticipated trading price of a common stock, which further can support in enhancing the companys liquidity position. After evaluating the financial situation of Alcoas stock, it is gathered that the organization might earn increased profit after the split in two different organizations. Moreover, it was also gathered that recently the organization has authorized shares worth 1.8 billion (Davis and Haegler 2016). Within this division, Aloca will consider the specialty of value added offerings made of aluminum. Conversely, the companys another division is focused on automotive and aerospace and the transportation industry in attempt to attain increased return and revenue. Reference List Alcoa.com., 2016.Alcoa | Global Leader in Lightweight Metals Technology, Engineering Manufacturing. [online] Available at: https://www.alcoa.com [Accessed 29 Sep. 2016]. Cadence.com., 2016.EDA Tools and IP for System Design Enablement | Cadence. [online] Available at: https://www.cadence.com [Accessed 29 Sep. 2016]. Chauhan, A. and Singh, A.P., 2014. Optimal replenishment and ordering policy for time dependent demand and deterioration with discounted cash flow analysis.International Journal of Mathematics in Operational Research,6(4), pp.407-436. Davis, P.J. and Haegler, U., 2016. Mergers and Market Definition: Does a Focus on Value AddedAdd Value?.Journal of European Competition Law Practice, p.lpw015. Dumont, G. and Schmit, M., 2013.Tier 1 MFIs Financial Performance: Cash-flow statement analysis(No. 13-054). ULB--Universite Libre de Bruxelles. Frattini, F., Dell'Era, C. and Rangone, A., 2013. Launch Decisions and the Early Market Survival of Innovations: An Empirical Analysis of the Italian Mobile Valueà ¢Ã¢â€š ¬Ã‚ Added Services (VAS) Industry.Journal of Product Innovation Management,30(S1), pp.174-187. Golez, B., 2014. Expected returns and dividend growth rates implied by derivative markets.Review of Financial Studies,27(3), pp.790-822. Healy, P.M. and Palepu, K.G., 2012.Business Analysis Valuation: Using Financial Statements. Cengage Learning. Koopman, R., Wang, Z. and Wei, S.J., 2014. Tracing value-added and double counting in gross exports.The American Economic Review,104(2), pp.459-494. Maio, P. and Santa-Clara, P., 2015. Dividend yields, dividend growth, and return predictability in the cross section of stocks.Journal of Financial and Quantitative Analysis,50(1-2), pp.33-60. McMillan, D.G., 2014. Stock return, dividend growth and consumption growth predictability across markets and time: Implications for stock price movement.International Review of Financial Analysis,35, pp.90-101. Park, K. and Jang, S.S., 2013. Capital structure, free cash flow, diversification and firm performance: A holistic analysis.International Journal of Hospitality Management,33, pp.51-63.

Cost Effectiveness And Resource Allocation â€Myassignmenthelp.Com

Question: Discuss About The Cost Effectiveness And Resource Allocation? Answer: Introducation Cost effectiveness is one of the main aims of firms; it is imperative for the management to consider if it is part and parcel of the resource allocation. The first step is to apply the standardization in cost management. Standardization of cost management is a significant step that ensures that the same standards are used in the process of monitoring the overall costs of the operations. The other step relates to the implementation of activity based costing[1] the method is paramount in the identification of the actual costs that are accrued in production, selling and delivering the products and services that the company deals with. Nonetheless, variance analysis also engages the linking of the budgets with cost effectiveness. Variance analysis shades light on the deviations between the actual costs and the predicted costs. The variance also allows for the comparison of the companys costs with those that are incurred by other companies in the industry. Through the variance analysis, m anagers can identify the critical success factors and the weaknesses. With this, the managers can come up with policies that will help them improve their performance. Process of Resource Planning The process of resource planning is vital in the achievement of the objectives of the business. The first step involves defining of the project of the business. The next step is to formulate the strategies and the measures to take. The third step is to implement the strategies and the measures. Lastly, the results can be utilized in adapting and improve the business.[2] The process of resource planning is determined by the way resources are allocated. If resources are properly allocated then the process of resource planning will run smoothly. Model for measuring resultant resource planning The model that will be significant in this case will be the logical model. The model will aid in the measuring of the performance of the resource planning. The model will involve the stake holders where they will in a position to access the performance and the direction of the organization. The logical model creates a room where the impact of the resource planning on the objectives of the company can be checked. Various factors must stir the implementation of resource planning. For example, changes in the behavior of the employees and in the norms of the society, the involvement rate, the levels of customer satisfaction and the capacity of the resource planning to help in the improving of the services and the goods that are rendered[3] The tolerances that will trigger implementation will include spending of more resources to factors that need more attention such as customer satisfaction and also in promoting of transparency throughout the organization so as participation by all is en couraged. The tolerances arise due to the dire need to encourage possible business decisions, create accountability and promoting effective and efficient utilization of resources. Process for comparing the forecasted budget The first step involves coming up with variance reports. The report will state the deviation that exists between the actual costs and the predicted costs of the organization. The report can be in the form of a table. The other step is to look into the components that constitute of costs and then justifying why the variances are available. The next step is to consider the effect that the variances have on the fixed costs. Likewise, one has to consider the impact on them on variable expenses. All these can be made easier through the use of tables.[4] Afterward, it's a chance to give conclusions and come up with recommendations. The conclusion and recommendations will form the way forward of how to deal with the situation at hand. In the allocation of the budgets, all the recommended individuals should be involved. Then the roles of budgeting should be properly delegated. The resultant of the measurement The result of the measurement will be predetermined by parameters in the logic model. The model aims at indicating if the resource planning is favorable or unfavorable. The model will be tested through it proving that it has parameters that will produce the desired results. The parameters in the model include the encouragement of the use of accurate data, the information should also be reliable. The parameters also instigate the use of resources that can be tested to identify their validity. In addition, the model allows for conclusions to be made should be justifiable by the model. The model should be that which can allow the implementation of transparency that will allow evaluation and assessment to be made with ease. References Cassidy, A., A practical guide to information systems strategic planning. CRC press, 2016. Estampe, D. et al., A framework for analyzing supply chain performance evaluation Models,International Journal of Production Economics, vol. 142, no.2, 2013, pp. 247- DRURY, C.,Management and cost accounting. Springer, 2013. Marseille, E.et al., Thresholds for the costeffectiveness of interventions: alternative approaches,Bulletin of the World Health Organization,vol. 93, no. 2, 2015. pp. 118- [1] Marseille, E.et al., Thresholds for the costeffectiveness of interventions: alternative approaches,Bulletin of the World Health Organization,vol. 93, no. 2, 2015. pp. 118-124. [2] Cassidy, A., A practical guide to information systems strategic planning. CRC press, 2016. [3] Estampe, D. et al., A framework for analyzing supply chain performance evaluation models,International Journal of Production Economics, vol. 142, no.2, 2013, pp. 247-258. [4] DRURY, C.,Management and cost accounting. Springer, 2013.

Write About Pleasure - Custom Erotic Writing

Write About Pleasure - Custom Erotic WritingCustom erotic writing is the creation of erotic fantasies, scenarios and the like for personal use. If you are a writer with artistic ability, then it would be best for you to develop your skills in custom erotic writing. In this way, you can also write erotic stories and material for other people, if you want to.If you have the ability to write in a language and style that arouse the mind, you can also create your own special erotic material. However, not all writers can produce a story that will get their readers feeling pleasure.However, there are several kinds of custom erotic writing available. Some examples are the story, screenplay, short stories, poems, book chapters, and movie scripts. You can easily start your own business, and by doing this, you can also earn some money in your spare time.Erotic writing is all about the sexual and erotic content of the material. When you create custom erotic writing, you need to ensure that you u nderstand the best techniques to stimulate the mind of your audience. It would also be a good idea to know the different types of people who will appreciate your work.In order to come up with erotic material, you can have a look at some erotic novels and screenplays, as well as the erotic poems and stories. You will surely be attracted to this kind of material, but before you start, it would be best if you learn some basic stuff on how to produce these materials. This is because the process of creating erotic stories and materials for the internet is not an easy task.In fact, you need to spend more time in order to do some simple introduction and preparation for the actual work. After the completion of the work, you can enjoy the end product.In order to create custom erotic writing, you need to have the ability to use creative tools such as words, grammar, sentence structure, imagery, and the like. In order to practice this kind of writing, you can start by writing an erotic story. Make sure that you include erotic pictures, add sexual dialogue, and write a compelling story.After having the knowledge about the methods of writing erotic materials, you can start developing some future projects. Another important thing that you need to understand is that the purpose of custom erotic writing is to make the reader feel pleasure. Just focus on the creative aspect and you will have a good time.

College Research Paper Topics - How To Choose The Best Topic

College Research Paper Topics - How To Choose The Best TopicOnce you have finished your first college writing project, it is only natural to wonder what college English research paper topics are the best. After all, there are so many different types of subjects to choose from. What subject area do you think would be easiest for you to write about?When thinking about college research paper topics, it is important to consider not only your academic interests but also your interests outside of the classroom. Do you enjoy music? If so, this might be a great subject for you. If you prefer history, this might be a great subject to you.But, before you pick one over another, consider the different types of subjects that you may want to pursue. Are you interested in writing about sports? Have you been interested in music for a while now? Try to think about your favorite topics. Is there a topic that you can truly get your hands on if you put your mind to it?If you don't need to write about a certain type of subject, then why not think about writing about something that you can see, touch, and feel? That may be the type of subject that you really enjoy.It is important to note that there are so many different categories of paper topics, and it will be difficult to choose the best subjects to go with. You will have to research a variety of topics and see which ones appeal to you and most benefit you as a writer.So, you may be wondering how to find college research paper topics that will benefit you the most. The best way to figure out this is to take a look at your own writing and see what type of topics you have written about. This will give you a good idea of the types of topics that you may want to write about.You should take a look at the topics you have written and try to imagine yourself discussing them with a friend or a class. Ask your friends and classmates who they think are best college paper topics. And make sure that you look into all of the topics that you kn ow that you might enjoy.You will be amazed at how easy it is to find the topics that you want to work on when it comes to researching your college research paper topics. Your first research paper topic will be the one that you enjoy writing and the topics that you enjoy researching. You will be happy with the results and the ones that you love.

Essay on Writing Stories - Important Considerations When Writing

Essay on Writing Stories - Important Considerations When WritingIf you have ever had a problem with writing a good essay on writing stories, then there are some things that you can do to make it easier for you. First of all, you need to know how you can choose the topic for your essay. Don't pick a subject that is totally unrelated to the purpose of the essay and also don't just pick the subject that you like the most. Some topics that are much better than others are:Author Interviews: This will give you the opportunity to ask questions about the author of the story or why this author has a good opinion on a certain topic. They also give the opportunity to show your interest in the topic and give you a little more insight into the person. When you get to know the author of the story, it will be easier for you to write about the character.Novels: These are the best ones because you will be able to give your viewpoint in the novel and have a lot of free time to think about the whole st ory. The best thing about novels is that they are very well written and contain many subtle details that you will definitely need. You will also be able to see a difference in the character when compared to a movie. Also, novels usually go into depth in describing a subject in such a way that a novel is much more interesting.Book Reviews: You will be able to have an easier time when you are reviewing books because you are able to read many different types of books. This means that you won't just be reading for fun, but you will also be able to see what each book is like in terms of the story and the main character. Also, if you are reviewing books in a journal, it will be easier for you to put your opinion as a reviewer.Poetry: Reading poetry will be very helpful when you have a problem with writing an essay on writing stories. The beauty of poetry is that it is easily translatable to many forms of art so you can easily translate the poetry into prose. As you read the poem, you will be able to see the character and you will also be able to think about how a poem would be able to express what a particular author was trying to express. Also, you will be able to find out how a poem was able to come to life, and you will know what effect it has on you and others around you.Books: These will not only give you a place where you can place your opinions on the author, but also a place where you can put a piece of information to show how the book will affect you. Some books are also written by a specific author, so you will be able to make an educated decision on which one you will read. If you are an English major, then you will be able to make a big impact on the course. It also gives you a chance to go back to the year you read the book.Having a good understanding of the essay on writing stories will help you immensely when you start reading and will also help you come up with an essay on writing stories that will be able to capture the interest of a reader. A good understanding of the essay will also help you improve your writing skills, which will be helpful in any type of writing.

The House of the Scorpion Essay Example

The House of the Scorpion Essay The house of the scorpion The term extraordinary can apply to many things. The definition of extraordinary is an object that is â€Å"very unusual and deserving attention†. The House of the Scorpion deserves to be called extraordinary because it spins a masterful literary web that will not set you free until you finish the last page with a satisfied sigh. Because of the moralistic issues she cunningly weaves into the book, the excellent literary language, and her cautionary take on the future, Farmer will never disappoint her readers as she spins her dispute between right and wrong. There is a thin line between good and evil. Farmer delves into morally wrong issues, and brings our twisted inventions to the light. She poses questions of right and wrong of topics discussed today. Is it ethical to clone human beings? Is a human suffering, even though they are not aware of it? Farmer brings our worst fears into view and dissects them one by one. Even though we clearly see some things as bad and others as good Farmer gives a second opinion on these issues and makes us rethink our answers. Her take on right and wrong is exemplified by El Patron and Matt. One is clearly right, and the other wrong. We will write a custom essay sample on The House of the Scorpion specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on The House of the Scorpion specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on The House of the Scorpion specifically for you FOR ONLY $16.38 $13.9/page Hire Writer But the reader cannot but feel that El Patron was to be sympathized with, such as when he pitifully repeats the tale of his dead brothers and sisters. Matt on the other hand at some times was to be despised at, such when he forced Maria to kiss him. Readers will be kept to the edge of their seat as she presents questions and answers and while at the same time causing ourselves to delve deeply into our hearts and find what we believe in. Readers will not be able to put down this book because of the thoughtful questions it provokes. Another one of the reasons why readers are recommended this book is Farmer’s literary style. While the plot is the bare bones of the story, the meat is what really makes the book worth reading. Her characters are the veins that give the book life as they flow richly from the pages. You can hear Celia and Maria laughing with Matt while Tam Lin indulgently watches on. You can practically feel the love between them as Tam Lin befriends the lonely despised clone, as Maria bypasses prejudices to love him, as Celia bravely defies El Patron by poisoning Matt’s heart. She cleverly describes her tale of a futuristic landscape in sweeping imagery, so real you can join in Matt’s horror when he finds out what eejits really are. Farmer has effectively enthralled readers because of the life she breathes into the book, transforming a set of simple bones into an extraordinary literary tale by infusing it with flesh, blood and a heart. The heart is what keeps people reading, and convinces people to read them; it is the heart that pumps the blood through the veins and lends animation to the bones. Farmer captures the workings of a heart and imbues it into her book making it a worthwhile read. Farmer keeps a firm grip on reality while presenting a real and shocking view on our world a hundred years into the future. She looks at arguments that plague our world now and imagine what will happen hundreds of years later. Some authors may see science fiction as a way out of reality, because literally anything can happen in the future. Farmer, however, gives plausible views of what could happen to us in our civilization if things continue as they do now. What she foresees is economic disaster, whales dying and whole oceans choked with pollution. She sees a life where everybody is running away from their life because reality is too harsh to face. She sees countries crippled because of drugs, mindless slaves working in the poppy fields. She sees everybody unable to face the truth because sometimes the truth is too hard to bear. She has given us an entirely possible future, where everyone we know can be an eejit, every child we know could be starving because nothing is equal. This book will give readers a new view on what our world could become. Farmer presents cautionary tale of what could happen if it is too late to open our eyes and enslave millions of people to a miserable existence. Nancy Farmer’s work in The House of the Scorpion has entertained millions of readers because of the questions she cunningly weaves into the plot, the beautiful literary imagery, and the setting, which takes place a hundred years into the future. Her futuristic setting lends a sense of horror to the book as everything is dead or struggling to live. She has captured readers with her excellent plot which she fleshes out with believable characters. She has given the book a heart and thus it will capture generations of people because of the qualities she has written it with.

How to Correct an Awkward Interruptive Phrase

How to Correct an Awkward Interruptive Phrase How to Correct an Awkward Interruptive Phrase How to Correct an Awkward Interruptive Phrase By Mark Nichol When writers interrupt themselves to expand a thought, they must take care to ensure that they retain a parallel balance on the structure they’ve built. Here are three sentences thrown off balance, followed by solutions that will help the writers (and their readers) keep on their feet. 1. â€Å"High school students who carry a poor or no understanding of evolution into college are less likely to pick careers in the biological and geological sciences.† This sentence is technically correct, but the juxtaposition of the modifiers poor and no is awkward. This revision somewhat eases the effort to modify poor: â€Å"High school students who carry a poor, or no, understanding of evolution into college are less likely to pick careers in the biological and geological sciences.† (Alternatively, parentheses or a pair of em dashes could replace the commas.) However, this version, though longer, is more elegant: â€Å"High school students who carry a poor understanding of evolution into college, or none at all, are less likely to pick careers in the biological and geological sciences.† 2. â€Å"She has proven herself willing and capable of making progress with challenging ideas and procedures.† The problem with this sentence is that the two qualities are presented in nonparallel forms. If the second of the two qualities is omitted from the sentence, it clumsily reads, â€Å"She has proven herself willing of making progress with challenging ideas and procedures.† The sample sentence here, like the preceding example, benefits from a more relaxed syntax, in this case one in which each adjective is associated with a distinct verb phrase appropriate for its form: â€Å"She has proven herself willing to make, and capable of making, progress with challenging ideas and procedures.† (And, again, parentheses or em dashes can be used in place of commas.) Or, more simply, replace â€Å"capable of† with â€Å"able to† and change the verb phrase to â€Å"to make†: â€Å"She has proven herself willing and able to make progress with challenging ideas and procedures.† 3. â€Å"He has shown leadership in guiding, indeed sometimes demanding of them, to keep their focus on the task at hand.† There is no easy fix for this sentence, but it can be fixed it just requires more significant reorganization. Relocate the ill-fitting parenthetical that interrupts an otherwise coherent sentence, tagging it onto the end of the sentence, and reword it so that the verb form matches that of the verb phrase that immediately follows the subject: â€Å"He has shown leadership in guiding them to keep their focus on the task at hand indeed, he sometimes even demands that they do so.† Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Style category, check our popular posts, or choose a related post below:Comma After i.e. and e.g.Is There a Reason â€Å"the Reason Why† Is Considered Wrong?Plurals of Proper Names