Midterm Exam Business Valuation and Stock Valuation free essay sample

It is commonly more costly to shape an ownership than a partnership in light of the fact that, with an ownership, broad authoritative records are required. (b) Corporations face less guidelines than sole ownerships. (c) One disservice of working a business as a sole ownership is that the firm is liable to twofold tax assessment, at both the firm level and the proprietor level. (d) One bit of leeway of framing a company is that value financial specialists are generally presented to less risk than in a standard organization. On the off chance that a standard association fails, each accomplice is presented to liabilities just up to the measure of their interest in the business. (2) (TCO G) A security investigator acquired the accompanying data from Prestopino Products’ fiscal reports: Retained income toward the finish of 2009 were $700,000, however held profit toward the finish of 2010 had declined to $320,000. †¢ The organization doesn't deliver profits. †¢ The company’s devaluation cost is its just non-money cost; it has no amortization charges. We will compose a custom article test on Midterm Exam Business Valuation and Stock Valuation or on the other hand any comparable subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page †¢ The organization has no non-money incomes. The company’s net income (NCF) for 2010 was $150,000. Based on this data, which of the accompanying proclamations is CORRECT? (Focuses : 10) (a) Prestopino had negative net gain in 2010. ( b ) Prestopino’s deterioration cost in 2010 was under $150,000. (c) Prestopino had positive total compensation in 2010, however its pay was not as much as its 2009 pay. (d) Prestopino’s NCF in 2010 must be higher than its NCF in 2009. (e) Prestopino’s money on the accounting report toward the finish of 2010 must be lower than the money it had on the monetary record toward the finish of 2009. Which of coming up next is well on the way to happen? (Focuses : 10) (a) The necessary pace of return for a normal stock will increment by a sum equivalent to the expansion in the market chance premium. (b) The necessary pace of return will decay for stocks whose betas are under 1. 0. (c) The necessary pace of profit for the market, rM, won't change because of these changes. (d) The necessary pace of return for every individual stock in the market will increment by a sum equivalent to the expansion in the market chance premium. (e) The necessary pace of profit for a riskless bond will decay.

Impacts Of Climate Change On Coastal Areas Environmental Sciences Essay

Effects Of Climate Change On Coastal Areas Environmental Sciences Essay An expansion or decline in the temperature for quite a while effectsly affects the beach front territories (Moser, 2000). An unnatural weather change in the greatest natural issue which gangs pressure and strain to the coast prompting floods and disintegrations (Shaw, 2002). Tropical or winter tempests can develop to hazardous beach front tempests, making the outside of the water fiercer (Forces of nature, 2000). Higher temperature levels in the atmosphere expands the temperature of the water, expanding the danger of low oxygen conditions undermining fish stocks and other marine living beings (David, Gordon, 2007). An Earth-wide temperature boost, high temperature level and beach front tempests require more thought and a superior arrangement is expected to defeat these to shield the coast and the earth from being lowered. In 2002, Jane S. Shaw, expressed that a worldwide temperature alteration show of being the most risky ecological issue as it can influence the whole earth and the entire world relies upon it. A worldwide temperature alteration warms the earth because of the overabundance of carbon in the air (Cunnigham, Cunningham, Saigo, Bailey, Shrubsole, 2005). The seas work is to keep the planets carbon dioxide levels in equalization or harmony however the difficult currently is that with so much carbon dioxide in the climate from consuming petroleum products, the seas, similar to the air are getting hotter (David, Gordon, 2007). At the point when the maritime water gets hotter than expected, it prompts warm extension; water atoms move quicker and turn out to be more remote separated, consuming more space (Stein, 2001). Cold seawater ingests more carbon dioxide than warm seawater, in this manner if carbon dioxide discharges keep on rising; the seas will just be too warm to even think about taking as much carbon dioxide as they have been (David, Gordon, 2007). In the North and South shafts, ice and snow reflect away sun powered radiation from the earths surface due to their splendid white shading. Higher temperatures make the ice and snow reflect less daylight, making the earth hotter (Stein, 2001). Increment in the temperature can liquefy the ice sheets into the seas (Shaw, 2002). On the off chance that the Greenland ice sheets dissolves totally, it will add enough water to raise levels all over the world by 21 feet (6.4m) (David, Gordon, 2007). In 2007, David and Gordon saw that over the most recent 100 years, worldwide ocean levels have risen 8 inches (20cm). At the point when the ocean level ascents, there is an expanded danger of floods and disintegration (Stein, 2002). When there is an excess of carbon dioxide noticeable all around, the ocean takes up the leeway, absorbing the additional carbon dioxide like a massive wipe (David, Gordon, 2007). By and large, the warmin g of the earth doesn't prompt either positive or productive outcomes. An unnatural weather change just adds to negative finishes and annihilates the globe gradually. Dissolving of the ice sheets is certifiably not a decent sign for the earth and activities towards a worldwide temperature alteration should be authorized to have the option to forestall the ice sheets from softening and raising the degree of the seas. This image of the diagram shows increment in the ocean level ascent from 1850 to 2100 and it is anticipated that the ocean level will ascend to 20 creeps till 2050 because of warm extension and the liquefying of ice sheets (Sea level ascent, 2010). There are around one billion individuals who live in beach front territories (David, Gordon, 2007). Indeed, even little levels in the ocean rise can be perilous for little islands (Shaw, 2002). Urban zones worked close to the ocean level like New York, Boston, Washington, and Miami can be in danger in light of flooding (Moser, 2000). The ascent in ocean expands the danger of waterfront flooding from rainstorms, since low regions channel all the more gradually as ocean level ascents (Climate change wellbeing, 2010). The beach front tempests become increasingly hazardous when the breeze and waves drive water more remote inland than at any other time (Stein, 2001). Beach front tempests cause a ton of harm in seaside territories, bringing about flooding and landslides (Moser, 2000). Industrialized nations, for example, United States and Europe may have the option to adapt to the risks identified with ocean level ascent however other poor nations may not (Shaw, 2002). The expansion in oce an level stances as danger to properties, foundations, seaside businesses, waterfront and marine biological systems (Moser, 2000). As a result of tropical or winter storms the sea waves strengthens on the untamed sea and these tempests make the outside of the water a lot choppier and fiercer than typical which influences the sea shores ( Forces of nature, 2000). There is gigantic loss of cash when recreational regions close to sea shores get influenced because of sea shore disintegration (Moser, 2000). Several urban areas are worked close to the ocean level and there is a great deal of cash engaged with the improvement of these urban areas. On the off chance that disintegration happens, these zones will flood. Poor nations can't bear to forestall floods or help individuals living along the seaside zones, in this way they have to secure the earth and thought of all the conceivable, conservative approaches to decrease calamitous climate change. Rising ocean temperature is viewed as the biggest danger to coral reefs today (mangroves for the, 2007). The mangroves for the in 2007 additionally expressed that when there is a higher convergence of carbon dioxide in the seawater, it will prompt sea fermentation diminishing calcification paces of calcifying living beings, for example, corals. Corals and all shellfish need a specific degree of calcium so as to make their hard shells; yet higher causticity hits the fragile parity of calcium in the water, decreasing the sum accessible to coral and shellfish to fabricate their defensive skeletons (David, Gordon, 2007). Breaking down of corrupted reefs following dying or diminished characterization may bring about expanded wave vitality across reef pads with potential for shoreline disintegration (mangroves for the, 2007). At the point when water temperature rise, the green growth can't photosynthesize, the synthetic response that changes over daylight and carbon dioxide into sugars is blocked and the coral misfortunes its wellspring of shading and turns white, as though it developed old short-term (David, Gordon, 2007). There is constrained biological and hereditary proof for adjustment of corals to hotter conditions (mangroves for the, 2007). Faded corals becomes more fragile and progressively helpless against infection, predators and tempests, it is turning into a quite weak den for extraordinary fish (David, Gordon, 2007). Numerous reefs are influenced by tropical typhoons, impacts extend from minor breakage of delicate corals to devastation of most of corals on a reef and affidavit of garbage as coarse tempest edges (mangroves for the, 2007). Beach front tempests dirty the water because of silt and contaminations with higher spillover (David, Gordon, 2007). Beach front biological systems, particularly mangroves woodlands and coral reefs go about as cushions against extraordinary climate conditions and catastrophic events, subsequently diminishing the defensel essness of seaside networks and their ventures (mangroves for the, 2007). As expressed before, the adjustment in the atmosphere can rise the ocean level which empowers living creatures that live in the sea from performing day by day typical undertakings and they in the end kick the bucket. The sea is an exceptionally large biological system for many life forms and they are totally associated with one another, the expulsion of one specie from the evolved way of life can truly influence different species. The corals go about as a significant factor in the sea and accordingly they should be ensured and the ocean level and pH should be adjusted with the goal that the corals are not dyed or influenced. Safeguard estimations should be taken toward the seaside regions in light of the fact that a ton of lives can be influenced if safety measures are not taken. Various measures of activities just as speculations are attempting to spare the earth from being lowered. The mangroves for the future (MFF) propelled an undertaking whose goal is to fortify the ecological supportability of beach front turn of events and advance sound interest in costal biological system the board as a methods for upgrading flexibility and supporting neighborhood vocations (mangroves for the, 2007). There are around various 200 million individuals who live over the world in high hazard beach front flooding regions, (how to forestall, 2010) and this MFF venture may have the option to support them. These ventures require a ton of cash to have the option to place in real life, long haul disintegration safeguard and fix requires a large number of dollars and requires the investment of a great deal of individuals (ho w to forestall, 2010). The MFF underpins and supports the idea of REDD (decreasing emanations from deforestation and biological system debasement) because of environmental change and relief choice (mangroves for the, 2007). There are safeguard measures being taken to secure the low-lying waterfront regions against harm from tidal immersion through the development of dikes fit for withstanding the foreseen storm flood stature and powers (catastrophe preventation and, 1999). These kinds of security will diminish the measure of power in the tides and may keep the sea shores from getting an unfortunate harm. The structures of seawalls, hindrance islands and sea shore sustenance can likewise shield the coast from the environmental change sway (how to do, 2010). Hindrance island is a land parcel that is comprised of sand and it keeps the beach front tempests from harming the territory of the island (Paris). The quality of beach front tempests changes the shape and the type of the islands and causes disintegration of the hills and can totally annihilate the ridge framework in the event that it is serious (Paris). One of the most hazardous impacts on earth is an unnatural weather change. A dangerous atmospheric devation accompanies colossal measures of multifaceted nature and risks for the globe. The effects of this danger should be diminished with the goal that it doesn't harm the earth and in this manner each and every individual need to live greener. There are various routes through which an Earth-wide temperature boost can be lessen. Individuals should be more vitality productive and they can do as such by killing their apparatuses when its not required, protecting

How to Put Your Education to Work on Your Resume

How to Put Your Education to Work on Your Resume Have you spent the past few years studying a degree? If you can still remember the sleepless nights at the library, you’ll be happy to know it has been for nothing. You can â€" and you should â€" put your education to work on your resume and use it to land your dream job.Now, you don’t even need to have gone to a top university to do that. In fact, you can utilize your education no matter how little or much you have it.In this post, you’ll learn about the priority when it comes to experience over education, the way to format and present different academic backgrounds, how to deal with a lack of strong educational background and what are the mistakes to avoid when writing your education segment. WHAT’S THE PRIORITY?One of the key questions surrounding resumes is whether education matters more than experience or is it the other way around. This is an important question to settle because it changes how you format and construct your resume.Now, in order to answer the question and to ultimately put your education to work on your resume successfully, you need to determine your situation. There are three different scenarios at play influencing the decision.The three scenarios and how they weigh on the education or experience debate are as follows:You are a recent graduateIf you’ve just come out of school or you are just finishing up your degree, your educational background is most likely stronger than your experience. If you’ve been a full-time student, you wouldn’t have much work experience aside from perhaps summer jobs and a few internship.On the other hand, you have a fresh degree in your pocket and a ‘career’ in school, which you can talk about.So, if you are a re cent or current graduate, you most likely want to emphasize your education.You are a seasoned professionalIf you are currently working and you have an extensive work history behind you, the academic life is probably quite far behind you. Those who’ve been working for the past five or more years will want to emphasize these accomplishments and experiences.The reason is not necessarily that their education would in any way be irrelevant. But it’s easier to highlight the skills you might have learned at school with real work experience â€" it shows you’ve put what you’ve learned to actual use.It’s also about time. Your most recent behavior and experience can tell a lot more to the hiring manager about how you’d perform in the role. It’s the most recent look at your strengths and your education from way back might not be quite as revealing.There is one exception here and that’s career in scientific and technical fields. Even with a strong work history, employers are stil l slightly more interested in your academic background because it plays such as important role in your career.Therefore, for a seasoned professional with a lot of job history, experience should take centre stage over education in the resume.You’ve changing careersNow, it might be that you’re in the midst of a career change. Perhaps you have gone back to school and obtained another degree, relevant to the new role you want to get. In this case, you will want to prioritize education over experience. This is because your experience might not be directly relevant to the new industry â€" however, with your education you can show you’ve made the transition.However, if you are looking for a career change without any re-education, you’ll still probably want to emphasize your experience. Now it’s just about showing the transferable skills you have to take with you to the new role.In the event of a career change, you’d want to consider whether you have any new education to back up your change or if you’d be better at outlining your experience.So, as a rule of thumb, if you have a lot of work experience, it will triumph your education. But if you don’t yet have a rich history of experience, you can always get your education to work for you. It is possible to present yourself as the right candidate for any role with a strong education segment. HOW SHOULD THE EDUCATION SECTION LOOK?So, what does the education segment look like? How should you start building it? A lot depends on your education background. Let’s start with two of the most common credentials you might talk about. These are:Your university or other higher level education.Your high school or other secondary education.The information to include about your university or other higher-level educationYou should start with your possible university degree or other higher-level education. The information to include when listing your degrees is:The type of degree and the subject studied. This should al so include the level of study.The name of the institution and its location. There’s no need for the full address.The year of graduation.Here are two formatting options for you to use:Education  2015 MA in English Literature University of Pennsylvania, Philadelphia, PA2010 BA in Politics Harvard University, Cambridge, MAEducation  University of Pennsylvania, Philadelphia, PA MA in English Literature Graduated in 2015Harvard University, Cambridge, MA BA in Politics Graduated in 2010These three are the must-have information you need. However, you can also add optional information, especially if you feel it’s relevant to the job position and helpful in terms of showing your value to the organization. This additional information can include:The grade you achieved.Any awards, honors, coursework, extracurricular activities and publications you might have done and achieved as part of the specific degree/time at the institution.Here are a few formatting examples for you to look at:Educat ion2015 MA in English Literature University of Pennsylvania, Philadelphia, PA 4.0 GPAEducationUniversity of Pennsylvania, Philadelphia, PA MA in English Literature Graduated in 2015 with 4.0 GPAEducation2015 MA in English Literature University of Pennsylvania, Philadelphia, PA Relevant coursework: Business Communication, Thesis on Small Business Marketing Extracurricular activities: President of the Debating SocietyNow, in terms of the grades, it’s always best to list the honors rather than the GPA score you received (especially if you graduated with great honors). It’s more prestigious and therefore, matters more to the employer than your grades. Here’s an example for listing your honors:EducationUniversity of Pennsylvania, Philadelphia, PA Honours in MA in English Literature, Magna Cum LaudeEducationUniversity of Pennsylvania, Philadelphia, PA MA in English Literature Recipient of English Literature HonoursThe information to include about your high school or other secondary educationIf you are relying on your education section (instead of work experience), you might also want to include information regarding your high school or other secondary education. This might also be your highest level of education and you can outline it in your resume with these simple tips.The information you should include for each institution is:School name and its location. Again, no need to add the full address.The year of graduation.Just like with the university degree, you can also list any honors, awards and extracurricular activities you feel are relevant to the role.Here are two examples of what your segment might look like with the above information in mind:EducationStrawberry Fields High School, Strawberry Fields, PA Graduated in 2005EducationStrawberry Fields High School, Strawberry Fields, PA Graduated in 2005 Extracurricular activities: Student Representative in the School Council, Maths Tutor for first year studentsWhat if you didn’t graduate or you’re still studying?Now, you might be faced with two scenarios when it comes to building your resume with the above in mind. First, you might have left school without graduation. The other scenario is that you’re applying for jobs while you’re still studying. How do you include this incomplete information to your resume?In these scenarios, you want to list both your university or high school education. But instead of saying when you graduated, you just talk about the years of attendance. For example, you would outline your education like this:EducationStrawberry Fields High School, Strawberry Fields, PA Attended school from 2004-2006EducationHarvard University, Cambridge, MA 2009-2010 Completed 50 credits towards BA in PoliticsStrawberry Fields High School, Strawberry Fields, PA Graduated in 2005Furthermore, if you attended university or are still at university, you can also include any relevant credits you might have already obtained. For example, you can write:EducationHarvard University , Cambridge, MA 2009-2010 Completed 50 credits towards BA in PoliticsEducationHarvard University, Cambridge, MA BA in Politics in ProgressEducationHarvard University, Cambridge, MA BA in Politics Expected Graduation in 2018You can also talk about any other relevant coursework and achievements you’ve obtained during your time. Perhaps you received a stipend or you took special courses that would be relevant to the position you’re applying to.Now, if you are still studying, then you should also include the expected year of graduation, as in the above example. Don’t include any expected grades at this point â€" speculation doesn’t look that good.Quick formatting rulesWith the above in mind, here are the quick formatting guidelines to follow when editing your education segment:Your highest degree should always go first. Your PhD trumps your second Bachelor’s Degree, even if the latter is more recent.The rest in reverse-chronological order from the most recent to the latest.If you’ve finished higher secondary education, you don’t need to mention your lower school levels at all.WHAT IF YOU’RE EDUCATION BACKGROUND IS LACKING IN CREDENTIALS?The above tips and examples will help you create a beautiful education segment that works for your benefit. But you might still be feeling a little concerned. Perhaps you don’t have enough substance â€" perhaps your education background is patchy and shaky. What can you do?It is possible to create a strong education segment even when you don’t have much to show. You don’t need to worry or think you are doomed â€" there are always ways to make your resume stand out.If you don’t have a lot of things to talk about and you feel the education segment lacks substance, you can instead include a different segment. This is called the “Professional Development” section. It’s a good alternative for those who’ve struggled to get through official academic institutions and gain degrees.So, what to include in your “Professional Development” section? You need to include information like:List of courses you’ve taken â€" You don’t need to include just full degrees but you can mention any courses you’ve taken and passed during your time. This can also include online courses or other such individual courses you’ve attended.Training you’ve been part of â€" You might also have trained in certain relevant ways. For example, you might have trained as first aid person or attended a training course for managers and you can list these in this segment whether they’ve been official or not.Seminars and conferences you’ve attended â€" You should also list any seminars or conferences you’ve attended. It’s especially good if you’ve spoken in these or taken part of the workshops.The idea here is to show your passion towards the industry and your relevant knowledge about the field. You essentially want to show that despite not having official academic qualifications, you’ve still been o btaining information and training to perform well in the role. It’s just about showing that willingness to work hard.Now, here the important point is to include relevant information. You don’t want to list courses or seminars that don’t have anything to do with the position you’re applying to. The whole point of a resume is to show why you’re the best person for that role. Whether it is listing your academic institutions or your online courses, the key is to always ensure they show your match for the role â€" it’s not just a meaningless list of things you’ve done.Here’s an example of the segment:Professional DevelopmentCertified Associate in Project Management, 2009Attended Leadership Seminar Training in Cambridge, 200830 Credits in Open University Management Course, 2006WHAT ARE THE MISTAKES TO AVOID?The above tips and tricks will help you focus on your education in a positive light. You will be able to present your education as a strength and benefit. By following the tips, you should create a clean and crisp section for education upon which to build your resume.However, you need to avoid a few things when putting your education to work on your resume. These can destroy all the good aspects of your education segment and end up ruining your resume â€" the hiring manager won’t enjoy reading the education segment but rather cringes to it.So, if you want to avoid mistakes and problems with your resume, you need to keep a few things in mind. The most important rules to follow are to:Never lie or fabricate things. Everything on your resume should be the truth but it’s especially important to speak the truth about your education. Attendance, graduation and even scores are all knowledge your potential employer can check â€" if you fabricate the information, you’ll end up hurting yourself more. As the above shows, it’s not the end of the world if your education background is patchy and less-than-perfect. You can present it in a better way to m ake up for these problems but if you lie, you will set yourself up for failure in the job hunt.Always reverse the order. Your education segment should always start with the most recent institution and degree. Even if certain achievements or schools might look better, you need to list the things in reversed chronological order.Only include relevant information. If your education background is extensive and you have attended a range of schools and taken many courses, you can limit the list to the relevant information. If you’ve obtained a vocational degree in animal care, but you are applying for a marketing position, you definitely don’t have to mention this degree â€" given that you have other more relevant qualifications.Add a separate section for honors and achievements if needed. If you have achieved a lot of awards and honors during your academic career, you might want to consider adding a separate section for these.THE BOTTOM LINEEveryone can put their education to work on their resume. The key is to strike a balance between your education and your experience and harness the one that’s more beneficial in your case. Furthermore, you need to include relevant information â€" researching that job description is important because it helps you understand your strengths regarding the role.Don’t be afraid if your education history isn’t perfect â€" your resume doesn’t have to reveal it all. You can include as much or as little information as you want â€" just make it work with the above tips.

How Can A Christian Counselor Effectively Counsel Clients

How can a Christian counselor effectively counsel clients while holding to their convictions of faith? This question is one that many have to think upon. In reading the textbook for this class, the author takes the secular theories and breaks them apart. As a counselor, Christian or not, it is very important to pull from different theories rather than devote solely to one theory. Each individual coming in to the therapist’s office is wired differently in personality and belief system. As a Christian therapist, it is important to know the individual in the client’s chair. Being open with them about where one stands spiritually is a priority. The goal is to be able to take any theory and â€Å"think† Christianly. Every counselor is different, but there are central characteristics that one must focus their practice on while working with clients. The main goal as a Christian therapist is to integrate psychology, professional ethics, Scripture and the very character o f Jesus in a way that never compromises the authority of God. Through out Modern Psychotherapies, it lines out secular psychological perspectives. The text shows us what to look for from a Christian perspective, but it doesn’t throw the theories out altogether. There are different groups of Christian counselors. There are those who want nothing to do with secular psychology and their theories. There are therapists who pick and choose from several theories and use the Bible separately. There are also those who choose toShow MoreRelatedAn Ethical Dilemma in Counseling: Deciding Between Two Rights624 Words   |  3 Pagesan ethical dilemma can place a professional counselor in a precarious position, thereby compromising the effectiveness of the therapy, the trust in the client-practitioner relationship, and the counselors professional standing. 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The Success Of The Great Recession - 1320 Words

The Great Recession began in December 2007 and officially ended in June 2009 while many macroeconomic forces were at fault, the primary cause was securitizations of debt. While debt is an important part of any economy, allowing for the financing of business activities, the purchase of homes, and continuing education, there is also an inherent risk in the system. Most debt is issued in with fixed rate interest, though during the 1970 s a new instrument was introduced to both consumers and businesses, which was variable rate loans. This instrument, allowed for introductory rates for a short time frame, then becomes a variable rate, which is normally 200 basis points above the going rate for standard fixed loans. Though a relatively new instrument, it allowed for the most recent recession to become one of the largest losses of capital in recent history, as millions of homeowners were allowed to purchase homes, which they could not afford. This was only the first mechanism, which allowed the market to collapse. Many parallel events to this recession have happened throughout recorded history. The first among them in the United States was the great panic of 1837, which had similar underpinnings as the most recent crisis. The Great Panic of 1837 Financial tools and arrangements have almost always been speculative, going from the first ownership of land and the creation of wealth, mankind has always tried to value and gain or time what has become referred to as the market. AlmostShow MoreRelatedThe Success Of The Great Recession1375 Words   |  6 PagesThe Great Recession which lasted from 2008 to 2010 is often regarded as the greatest economic crisis since the Great Depression which took place during the 1930s. The causes of both crises can be said to be similar as both lie in the actions of the federal government. 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Digital Bangladesh Prospect or Mere Dream Free Essays

The Probability of Digital Bangladesh with reference to Education Submitted To Md. Saiful Islam Associate Professor Chairman, Department of Management Islamic University, Kushtia Submitted by Md. Toufiqur Rahman BBA (hon’s) 8th Semester Roll Number: 0405002 Session: 2004-2005 Department of Management Islamic University, Kushtia Date of Submission Table of Contents Chapter| Title| page| 1| Digital Divide 1. We will write a custom essay sample on Digital Bangladesh: Prospect or Mere Dream or any similar topic only for you Order Now 1 Meaning of Digital Divide 1. Digital Divide in Bangladesh : A Global Comparison| | 2| Probability of Digital Bangladesh 2021 with reference to Education2. 1 Meaning of Digital Bangladesh2. 2 Digital Bangladesh in Education| | 3| References | |Chapter 1 Digital Divide 1. 1 Meaning of Digital Divide This digital revolution has created a brand new economic sector that simply did not exist before. Computers, modern telecommunication and the Internet all reduce communication costs and break down geographical borders. In the developed nations government policies are being established which attempts o ensure that all citizens will get opportunity to access the effective use of ICTs in order to enable them to participate in the educational, social and economic activities and democratic process. Developed countries are getting much benefit from the advancement of ICT. So, there is a digital divide between developed and developing countries. The concept of the digital divide has been used to highlight difference in electronic access to information based on economic, race, ethnic or social group and/or geographical location.The term digital divide has been applied to the gap that exists in most countries between those with ready access to the tools of Information and Communication Technologies (ICTs), and those without such access or skills. It is â€Å"a gap, which tends to deepen, is produced between those individuals that can access new information and communication tools such as phones, TV sets or the Internet, and those who are too poor to get them between the have’s and the have nots† (de Munster, 2004).People living in developed countries have the best access to the fastest computers, best telephone services, competitive Internet Service Providers, and a wealth of content and training relevant to their lives. On the other hand, people living in developing countries have limited access or no access at all to these technologies. The group â€Å"have nots† also don’t have the more ability to use ICTs and even they don’t know that technology can make their life easier. The real gap between these two groups of people is called the â€Å"digital divide† (Giri, 2002). Digital divide also refers to a â€Å"perceived inequality in access to, distribution, and use of information technology between two or more populations† (www. Bridges. org). The digital divide – the gap between those who have access and the ability to use ICT, and those who do not – remains vast access. (Legard, 2001): For example 1. The total Internet bandwidth in Africa is equal to that in the Brazilian city of Sao Paolo. 2. The total Internet bandwidth in all of Latin America is equal to that in Seoul, South Korea. 3. In the United States, 54. 3 percent of citizens use the Internet, compared to a global average of 6. 7 percent.In the Indian subcontinent, the proportion is 0. 4 percent. 1. 2 Digital Divide in Bangladesh: A Global Comparison The ICT status of Bangladesh is not remarkable without some favorable initiatives by the Government and by private entrepreneurs. Computer use in Bangladesh started with a mainframe computer in 1964. The Internet came in Bangladesh in 1993 and IP connectivity in 1996. In April 2000, the Government withdraws taxes on VSAT after that, the use of Internet scenario of the country has been changing rapidly. Presently, there are nearly 266 ISPs serving for accountholders-based connectivity with more than 500,000 users.The Ministry of Science and Information and Communication Technology approved the national ICT policy in 2002. South East Asia-Middle East-West Europe (SEA-ME-WE-4) is a submarine cable consortium connecting 14 counties at 16 landing stations. Bangladesh joined the consortium and signed a MoU on 4 September 2002 at Bali in Indonesia, and then signed the Construction and Maintenance Agreement in 2004 in Dubai. After four years of joining the consortium, on 21 May 2006, the Prime Minister of Bangladesh inaugurated this submarine cable connecting with Bangladesh.The total length of the cable is 22,000 km (approx. ), where the Bangladesh landing station is 1,260 km away from the Cox’s Bazar seashore. Despite all these the digital divide in Bangladesh is much bigger than other countries in the world. Some Statistical data reveal that the country is divided in two groups approximately 99. 8% and 0. 2 % from which the latter is digitally educated. A global comparison is shown on the next page to find out the position of Bangladesh. References Bridges. org. Spanning the digital divide: understanding and tackling the issues. www. bridges. org/spanning e Munster, IL (2004). The digital divide in Latin America: a case study. 70th IFLA General Conference and Council.Buenos Aires, Argentina, 22-27 August 2004. Giri, J (2002). Digital Divide. Paper presented at ICT and development for computer association of Nepal IT conference, January 26-27, 2002 in Kathmandu. (www. interconnection. org/resources/itpoverty. htm) World Bank (2005). World development indicators 2005. Washington, DC: World Bank World Bank (2006). World development indicators 2006. Washington, DC: World Bank Chapter 2 Probability of Digital Bangladesh 2021 2. 1 Meaning of Digital Bangladesh Digital Bangladesh† is currently the most commonly used words in politics, media, among the intellectuals and the civil societies. Since our Prime Minister Sheikh Hasina in her party’s election manifesto pledged to develop a digital Bangladesh by 2021, it has given a great hope to the citizens of Bangladesh.Let us now explore the buzzword digital Bangladesh. What does it really mean? Moving towards digital Bangladesh does not imply that the urban young groups of the country will be more sophisticated consumers of high-tech devices like computers, digital cameras, latest model mobile sets or camcorders etc. ased on high-speed Internet infrastructure and promote the dejuice culture. Rather discarding this superficial notion, we need to consider the term ‘digital Bangladesh’ objectively. Broadly speaking, a digital society ensures an ICT driven knowledge-based society where information will be readily available on line and where all possible tasks of the government, semi-government and also private spheres will be processed using the state of the art technology.So, a digital Bangladesh must guarantee efficient and effective use of modern ICT in all spheres of the society with a view to establishing good governance. In other word, making Bangladesh a digital one, we have to establish technology driven e-governance, e-commerce, e-production, e-agriculture, e-health etc. in the society emphasizing the overall development of the common people, the major stakeholders of the country. In the field of ICT, our only grand success lies in Mobile telecommunication which has brought an abrupt change in telecommunication scenario of the country.However, in the o ther spheres of ICT, our achievement is very insignificant and we are still far away from transforming ourselves into a knowledge-based society. Building strong ICT infrastructure is the pre-requisite for making Bangladesh a digital one. For this, we need to focus on the education system first, because the possibility of digital Bangladesh can only be increased when we will be able to educate our next generation with the base of ICT. Present ICT Profile of Bangladesh on the basis of Asia-Pacific Development Information Program is shown on the next page. 2. Digital Bangladesh in Education Digital Bangladesh in education can be visualized when the education system will be completely dependent to the digital systems. Currently the country’s education system is no way near to the digital systems.The teachers give their lectures using traditional books and black boards. The students are going to their respective institutions, hearing lectures, cramming before examination, appearing in the examination and getting degrees. In true sense education system in Bangladesh will be digital if we can achieve the followings by the year 2021. ) Primary Education Level: All the students in the primary level should have a basic knowledge of ICT by the completion of their primary level education. b) Secondary Education Level: Students should practise technical aspects of the theoretical knowledge they gain. c) Tertiary Education Level: Students should try to find out the ways to use ICT in their respective field of study and develop themselves.d) Lecturing System: Teachers should be using computers and the Internet to teach their students in the most convenient way and with the latest information. ) Exams and Results: The students will appear in exams online and the results will be published within seconds after the end of the exams. f) 2. 3 Present Scenario of Digital Education in Bangladesh At present there is no structure for digital education in Bangladesh in the primary, secondary and higher secondary level of education. Students do not have better ideas about the better use of information and communication technology and gaining digital knowledge. At the university level the only a part of students are gaining digital education formally. How to cite Digital Bangladesh: Prospect or Mere Dream, Papers

Ramayana Essay Example For Students

Ramayana Essay In the Ramayana by Valmiki each character was unique in there own way which made the story interesting. Rama, Sita, and Ravana each were connected and had there tie in with each other. Each had there own unique tragic flaw that lead to there own unique conflict. Ramas tragic flaw was that he is loyal and that lead to his human vs self conflict. Sitas tragic flaw is that she is too naive and that leads to her human vs human conflict. Last but not least Ravanas tragic flaw is that he is cocky and this leads to his human vs human conflict. The main character in the in the text is the brave husband Rama. Ramas tragic flaw is that hes loyal. This tragic flaw is shown on page 342 when the text says, tell me what i must do. i will obey my father even if he wishes me to drink poison and die. This part of the text demonstrates Ramas tragic flaw because it shows how strong his loyalty is to his father. This tragic flaw leads to Ramas internal conflict because he wasnt sure if he made the right decision. This conflict is evident on page 352 when the text states,my heart knows that sita is pure et my subjects force me to renounce my devoted wife for a second time. Ramas conflict in this passage is character vs self. The conflict is related to his tragic flaw because his loyalty made him chose over his subjects causing him to feel guilty. The second main character in the text is Ramas wife Sita. Sitas tragic flaw is that she is too naive making her easily fooled. This tragic flaw is show on page 347 when the text says, please rama follow that deer and capture it for me. This part of the text demonstrates Sitas tragic flaw because she actually believes that she is seeing a golden deer. This tragic flaw leads to sitas external conflict because she is easily fooled by ravanas trick. This conflict is evident on page 349 when Sita steps out of the magic circle to aid the old man and the old man changes into rawana abducting Sita. Sitas conflict in this passage is character vs human. The conflict is related to her tragic flaw because by being naive she was easily fooled and ended up being abducted. The third main character in the text is the evil Ravana. Ravanas tragic flaw is that hes cocky. This tragic flaw is show on page 357 when the text says, Ravana was so certain of victory. This part of the text demonstrates Ravanas tragic flaw because he believed with out a doubt that he was going to win the battle. This tragic flaw leads to Ravanas external conflict because he under estimated Rama. This conflict is evident during the last battle of the story when Rama and his army defeat Ravana. Ravanas conflict in this passage is character vs human. The conflict is related to his tragic flaw because his cockiness leads to his defeat. In essence, all the characters are driven into their conflicts by their conflicts by their tragic flaws. Rama deals with his internal conflict because of his loyalty. Sita deals with her external conflict because of her naiveness. Lastly, Ravana deals with his external conflict because of his cockiness. These tragic flaws and conflicts connect the characters because each of there tragic flaws connected them to have a conflict with each other.

Learning Preferences free essay sample

Describe your strongest dimension on the personality spectrum. My strongest dimension on the personality spectrum is a giver (32). Every word on the list of giver describes me. My honesty is probably one my strongest. As I get older and being the mother of two terrific boys, I just feel at this exact moment in my life there is no need to lie. Honesty is the key, but sometimes I feel I am a little too honest and may hurt someone’s feelings, but not intentionally. I just feel â€Å"it is what it is†. I love promoting peace whether it’s a world issue or family. I just think that everyone would be a lot happier in their lives if we can be honest with one another and promote positivity. I hate drama. 2. Describe how each practice activity reinforced or contradicted something about yourself. In the Personality Spectrum Assessment it contradicted me on being a visual learner. We will write a custom essay sample on Learning Preferences or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page In the Multiple Pathways to Learning Assessment it resulted in me being under-developed, but in one of the activities in the Personality Spectrum it said that I was fine in this area. I must say it left me a little baffled, but at the same time I feel my answers can vary to certain situations that can me contradict myself in this case. I feel that I can adapt to different learning environments quite well, just like I’m learning the OLS. This is definitely an contradiction. The Barsch Learning Style Inventory activity made me realize that I am more proficient in the kinesthetic learning style than I am a visual learner. This activity made me think hard and deep about what my learning abilities are and what I thought they were. I definitely love working hands on and encouraging others. I am usually the one that normally starts dishing out ideas first when I am grouped up with others. .

Do you spell Free Reign with a G

Do you spell Free Reign with a G Do correct spellings change over time? This video clip from ABC News, and the Oxford English Dictionary (OED), assert that they do. Usage does dictate what authorities such as the OED report as correct spellings of words, such as free reign and vocal chords. As much as I would like to think things like spellings do not change, I am forced to admit that they do. National Dictionary Day:Â   do you spell free reign with a G? Category:Grammar Writing TipsBy Brenda BernsteinNovember 29, 2009

Child labor in arab world Essay Example | Topics and Well Written Essays - 1000 words

Child labor in arab world - Essay Example He gave examples of Asia, Africa, Bangladesh and Latin America, but discussed America and Britain in the paper regarding child labor. The information is provided on page 21, paragraph number 2. b. Children after being replaced from working at different workplaces are involved in illegal crimes if they are not given appropriate education. These crimes include prostitution, rag picking and many more. The author used this information for finding a connection between literacy and crime rate of children. It can be found on page number 25, paragraph number 2. c. â€Å"Culture is a complex whole comprised of arts, law, knowledge, morals, customs, and "other capabilities and habits acquired by man as a member of society"† (page 30, paragraph 3). The author has given the concept of culture, but it was a minor point just to give support to cultural connection to global categorization of the issue of child labor. This article is useful for my topic of child labor because it discusses about child labor and its connection to economy. The article informs as to how child labor can be proved ineffective and injurious in contrast to adult labor. This gave some general information about the issue of child labor and its consequences for economic and social development of different countries. The topic of the article is â€Å"Cross-Cultural Ethics and the Child Labor Problem† and it talks about the global issue of child labor in connection with its economic and ethical implications for states. The main argument of the paper is that child labor altogether is injurious and inefficient for workers, society, nations, and world economy. It also discusses economy theory presented by Adam Smith in relation to child labor that informs about productivity, labor force and population. The article describes about the process of industrialization in Britain and America and its connection to growing child

High school graduates Research Paper Example | Topics and Well Written Essays - 2250 words

High school graduates - Research Paper Example Living in a time where consistent teaching regulations and youngsters are generally subjected to learn conventional and uninteresting things, there is a great deal of uncertainty in the schools with reference to what to do after high school. In general, college is the default pathway and the majority of students ‘mechanically’ put themselves on that path; however, then there are still a small number of those who appear to be in no doubt regarding what in fact they would like to study for in college. In addition, even if they are certain, experts declare that, on the whole, a student will modify his major three times or more during the track of his/her college profession. On the other hand, a lot more disturbing statistic is that one in every four freshman in school gives up prior to finishing sophomore year. The truth is that college is not for every person nor it is really considered necessary for every person and thus, pushing teens to go to college, in order to have t hem drop out is like harming them (Lee, 2001). Before a generation or two, high-school graduates seldom went on to college, yet one way or another during the years, college more or less has turned out to be a rite of way for youngsters to pass into maturity and an excellent job. However, youngsters do not have to attend college to become grown-ups and they surely do not need to go to land at first-class profession. A few alternatives for high school graduates other than just college are discussed in the following paragraphs. Gap Year There are certain things that a student can do ahead of making up his mind regarding what his long-term path is going to be; something to fill up the gap. In addition, talking about of filling in the gap, the first thing that comes to the mind is gap year. The gap year is basically a practice of channeling in Australia, as well as in the United Kingdom, although not a lot of individuals in the States have noticed it. Mainly, a gap year is a year in the middle of completing high school and starting college that is usually spent either in travelling or working as contrasting to carrying on the education without any delay. For several students, it is a year of self-awareness as well as exploration, and it provides them a little time to dwell on what they would like to do with their lives prior to going back into an educational atmosphere. It is a disgrace that this is nearly rejected within United States of America, where, for the most part, youngsters are forced to being their secondary education immediately the moment as they graduate high school. A lot of them could in fact utilize the free time (White, 2009). As in other countries, it lets students to grow up, be mature, and pull through from burn out. Alternatives take account of recognized programs for individual development. Internships In particular, there are a number of internships readily accessible for students who have started college, and who have not yet started a furt her schooling after high school. The expertise learned from an internship can be immensely helpful as it can create knowledge and familiarity, as a result probably letting students to land on a real employment. In addition, students can get the benefit from the experience, as it will be giving them awareness about the field that the internship work is in. In this regard, this will bring about interest in some specific professional path and could give students an enhanced plan with reference to what they would like to do (Noddings, 2005). Job Having a job can provide the students important experience that can give them insight into what it is they would like to be doing in the future.  In addition, students will be making money that can be reserved for schooling expenditures that student opt to do  subsequently. Nothing assists more with that changeover to maturity than holding down a permanent employment. Student’

Negative Aspects Of Nuclear Power Plants

Negative Aspects Of Nuclear Power Plants There are many different types of power sources across the world that produce electricity in many different ways. There are methods that use the power of nature, such as: hydroelectric power which uses the power of water to spin a turbine, windmills that use the power of the wind to spin a generator, and solar power which uses the heat from the sun. There are also man-made methods such as: power plants that burn coal, generators that burn gasoline, and plants that burn wood to use the heat from the fires to produce electricity. There is also nuclear power, which uses the heat from a radioactive isotope to produce electricity. Nuclear power is formed by energy harnessed from a natural resource. It is produced in power plants or power houses. Nuclear power is efficient, uses fewer natural resources, and adds a minimal amount of pollution to the atmosphere (Wilcox 1996). In the same respects, nuclear power can be very dangerous and produce long term negative effects to the environment. Radioactivity is extremely harmful, not only to the environment, but also to the people who come in contact with it. This has long made it feared by people who live around nuclear power plants and made these power plants a target for terrorists. The are at least two incidents involving nuclear power plants that had gone wrong within recent history. On April 26, 1987, Chernobyl nuclear facilitys number four reactor sustained catastrophic damage when a routine safety test went wrong. An explosion in the number four reactor spewed radioactive material miles into the air creating a radioactive situation 100 times worse than Hiroshima. The immediate death toll was 31, while thousands will have to live with the long term effects of the radioactivity (Chernobyl accident..2011). On March 28, 1979, Three Mile Island nuclear facility experienced an overheat condition in one of their nuclear reactors when operators noticed an increase in water flow to the reactor exceeding normal levels. They attempted to correct the problem, but only succeeded in making it worse. The incident was contained with minor exposure of radioactivity to the environment but not until after the radioactive fuel rods melted through the bottom of their HYPERLINK ../../../../../../../bio/Jennifer-Rosenberg-7900.htmcontainers. During the process some radioactivity escaped into the atmosphere (Three mile..2010). The examples of the disasters above show both the instability and destructive nature of the uranium used in nuclear power plants. Uranium and plutonium, the byproduct of nuclear fission, which is the process used to create nuclear energy, and are extremely unstable if not maintained perfectly in the correct conditions. The instability of these two radioactive elements can lead to both dangerous and destructive outcomes. As witnessed in the Three Mile Island disaster, when uranium is not properly cooled it can reach temperatures high enough to allow it to melt through its container causing the possible release of radioactive material into the environment. The outcome from the accidental release of radioactive material from a nuclear power plant into the environment is far more destructive and long term than the release of other energy producing materials, such as coal, oil, or other fossil fuels. Clean up is also a lot more difficult and hazardous. The effects of the release of radioa ctive material can last several billion years and can forever change the environment where it occurred. The after effects of an accidental release of fossil fuels, such as oil, from a typical power plant is far less dangerous (Diehl 2004). The wildlife repopulates and regrows quicker from the accidental release of fossil fuels than from the accidental release of nuclear energy. This shows how nuclear energy is dangerous to the health of the environment. The mining process of uranium for a nuclear power plant causes the same environmental effects as the mining of coal, on a smaller scale. The mining process also produces lead, a hazardous material known to cause cancer, birth defects, and other human and environmental problems. Uranium, unlike many other sources of energy, such as wind, water, and sun, is a non renewable resource. During mining, to keep ground water from entering the underground mine, uranium contaminated water is often pumped into local rivers and lakes, polluting that water as well. After the mine is shut down, there is a great risk of ground water becoming contaminated. Waste rock which is rock removed from the mines that does not have enough usable material in it is removed from the mine and piled above the surface. This material usually contains higher than normal amounts of radiation. This waste rock is often turned into gravel used for cement and paving roads, spreading radioactive material across large areas (Diehl 2004). This shows how even the mining process is very destructive and dangerous to the environment. While producing fewer greenhouse gases, nuclear power can hardly be considered an efficient, effective, cleaner alternative to the production of electricity. When compared to the amount of energy produced from the burning of fossil fuels, we see that the amount of power from a nuclear power plant is lower than that created from the burning of fossil fuels. It takes far more time and resources for nuclear power to equal the production from other sources such as fossil fuels (Linnerud 2011). In the increase in demand for energy from the nuclear power plants, the green house emissions also rise with the increase in production. This shows the inefficiency of nuclear power and the increase of greenhouse pollution. This proves that the increase of nuclear power in place of fossil fuels does not provide a reduction in climate changing effects during the production of energy (Lloyd 2006). Resources Chernobyl Nuclear Accident [homepage on the Internet]. World Nuclear Association; 2011 Mar..[cited 2011 Mar. 21]. Available from http://www.world-nuclear.org Diehl P. Uranium Mining and Milling Wastes: An Introduction. [homepage on the Internet]. 2004 Aug.15..[cited 2011 Mar. 21]. Available from http://www.wise-uranium.org Linnerud K. The Impact of Climate Change on Nuclear Power Supply, Energy Journal 2011; 32 (1): 149-168. Lloyd B. Nuclear Power and the Greenhouse Effect [homepage on the Internet]. Darwin (NT): Parlamentary Library Service; 2006. [cited 2011 Mar. 21]. Available from http://www.ntl.nt.gov.au. Three Mile Island Accident [homepage on the Internet]. World Nuclear Association; 2011 Mar..[cited 2010 Jan.]. Available from http://www.world-nuclear.org Wilcox C. Powerhouse. Minneapolis (MN): Carolrhoda Books, Inc. 1996. 48p.

Finance Minicase Essay

MINI CASE For your job as the business reporter for a local newspaper, you are asked to put together a series of articles on multinational finance and the international currency markets for your readers. Much recent local press coverage has been given to losses in the foreign exchange markets by JGAR, a local firm that is the subsidiary of Daedlufetarg, a large German manufacturing firm. Your editor would like you to address several specific questions dealing with multinational finance. Prepare a response to the following memorandum from your editor: To: Business Reporter From: Perry White, Editor, Daily Planet Re: Upcoming Series on Multinational Finance In your upcoming series on multinational finance, I would like to make sure you cover several specific points. Before you begin this assignment, I want to make sure we are all reading from the same script because accuracy has always been the cornerstone of the Daily Planet. I’d like a response to the following questions before we proceed: a. What new problems and factors are encountered in international, as opposed to domestic, financial management? When getting into international finance some problems and factors are added to the ones experienced within domestic finance. These problems come from exchange rate, cross border barriers and financing opportunities in the global market but they do not get rid of the typical Business and Financial Risks. Business Risks can be identified as the ones that come out with competition from other companies, reduction in sales or any other factor that may affect the activities of the MNC, and Financial Risk is related with the firm’s financial structure. The international trade and investment of a MNC requires the handling of foreign currencies which is sometimes translated as an Exchange Rate risk due to the volatility of the exchange rate. Added to this exchange risk, Multinational Companies deals with Political Risks due to the changing political systems of different nations among their legal resolutions, taxation procedures of movements in policies. b. What does the term arbitrage profit mean? Arbitrage profit means riskless profit, this is possible thanks to arbitrageurs who are individuals involved in the process of buying and selling in more than one country to achieve this riskless profit. c. What can a firm do to reduce exchange risk? In order for a firm to reduce its exchange risk some firms use forward-market and money-market hedges, nonetheless when these tools are not available MNC apply leading and lagging strategies which are practiced to defer income and thereby delay paying taxes and to create unhedged positions in order to speculate; cash managers may delay paying out currencies they expect to appreciate and accelerate paying out currencies they expect to depreciate. d. What are the differences among a forward contract, a futures contract, and options? ââ€" ª Forward contracts are agreements between two parties where the buyer agrees to purchase an asset (the foreign currency) and the seller agrees to sell the asset at a specific date at a price agreed upon now. ââ€" ª Futures contracts are similar but are standardized and traded on an organized exchange. ââ€" ª Options offer the buyer the right, but not the obligation, to buy or sell an underlying asset (the foreign currency) at a fixed price up to or on a specific date. Use the following data in your responses to the remaining questions: Selling Quotes for Foreign Currencies in New York |COUNTRY-CURRENCY |CONTRACT |S/FOREIGN | |Canada-dollar |Spot |.8450 | | |30-day |.8415 | | |90-day |.8390 | |Japan-yen |Spot |.004700 | | |30-day |.004750 | | |90-day |.004820 | |Switzerland-franc |Spot |.5150 | | |30-day |.5182 | | |90-day |.5328 | e. An American business needs to pay (a) 15,000 Canadian dollars, (b) 1.5 million yen, and (c) 55,000 Swiss francs to businesses abroad. What are the dollar payments to the respective countries? We will use spot rates for calculations since time of payment is not specified. Canadian-dollar 15,000 = $12,675 USD = 15000 x0.845 Japan-yen 1,500,000 = $7,050 USD = 1500000 x0.0047 Swiss francs 55,000 = $28,325 USD = 55000 x0.515 f. An American business pays $20,000, $5,000, and $15,000 to suppliers in, respectively, Japan, Switzerland, and Canada. How much, in local currencies, do the suppliers receive? Japan = $20,000/0.0047 = $4,255,319 Yen Switzerland= $5,000/0.515 = $9,709 Swiss francs Canada= $15,000 /0.845 = $17,751 Canadian dollars g. Compute the indirect quote for the spot and forward Canadian dollar contract. The indirect quote indicates the number of units of a foreign currency that can be bought for one unit of the home currency. Indirect quote = foreign currency / home currency |Contract |S/ foreign | |Spot |.8450 | |30 days |.8415 | |90 days |.8390 | |Indirect quote |[pic] |$ | |Spot |[pic] = |1.1834 | |Forward | | | |30 days |[pic] = |1.1883 | |90 days |[pic]= |1.1918 | h. You own $10,000. The dollar rate in Tokyo is 216.6752. The yen rate in New York is given in the preceding table. Are arbitrage profits possible? Set up an arbitrage scheme with your capital. What is the gain (loss) in dollars? Data ââ€" ª $10,000 dollars ââ€" ª Dollar rate in Tokyo is $216.6752 yen per dollar ââ€" ª Yen rate in New York according to table: 1 yen /0.004700 dollar ââ€" ª Actual Yen rate in Tokyo: 1 yen/ 0.004615 dollar Arbitrage profits will be possible because the indirect rates are out of line (they are different). This is possible assuming no transaction cost. $10,000 dollars X 216.6752 = 2,166,752 Arbitrage scheme |Amount of money in yens = $2,166,752 | | |Table rate |Actual Rate | |0.004700 |0.004615 | |Amount dollars= $10,183.7344 |Amount dollars= $10,000 | |Difference= $183.7344 |Difference= $0.00 | (2,166,752 yen ) X (0.004700) = $10,183.7344 dollars (2,166,752 yen) X (0.004615) = $10,000.00 dollars Profit gain= $10,183.7344 dollars – $10,000.00 dollars= 183.7344 Profit gain= $ 183.7344 dollars i. Compute the Canadian dollar/yen spot rate from the data in the preceding table. Canadian Dollar/ U.S. Dollar Rate: 1 / .8450 = 1.1834 Yen/ U.S. Dollar Rate: 1 / .004700= 179.78 As we can see 1.1834 Canadian Dollar is equal to 1 American Dollar; meanwhile 212.76 Yen is the same that 1 American Dollar, it means that for each 212.76 Yen you have 1 American Dollar.

Adolescent Interview Essay

When picking my adolescent I had quite a few choices to pick from but I decided on my adolescent 15 year old sister since I know a lot about her and have seen first-hand how she is coping with this adolescent stage. Patricia is a normal 15 year old girl still in high school. She lives in a household of 7 with 3 older siblings and one younger one. She mentioned that she lived in a small home with three dogs, two fish, a bird and six other humans. Both her parents are field workers so they aren’t really at home much. Patricia has a younger 7 year old sister that she pays attention to a lot, they have a really close relationship, and she cares for her younger sister when her mother is at work. Patricia is in a special program in her high school called the International Bachelorette Program â€Å"IB,† this program challenges high school students and gives them and idea of what college is like after they graduate. She gets a lot of homework every day for all her classes, she manages to do all of it and still helps take care of her younger sibling. I think my teenager didn’t quite fit in the conceptions people have of a typical adolescent. She seems to be really close to her family. When I asked her what her family life was like I was surprised with the answer she gave me. She said she loved her family and that they were the best. Most teens at her age tend to distance themselves when they hit puberty. Puberty brings an increase in parent-child conflict- psychological distancing that may, in part be a modern substitute for physical departure from the family. (Berk, 2012, p.541.) According to what my teen said about her family life, she has a very good relationship with her family; her parents seem to play an important role in how hard she is working on her education and her good grades since she mentioned that school was really important to her because her mother wanted her to have a better life for herself. I believe that my teen interviewee has reached the stage of formal operational thinking. When I asked her what if people had no thumbs she gave me a bunch of explanations as to what would happen if such a thing were true. She said people wouldn’t be able to text, suck their thumbs, cover the sun, be able to thumb print criminals for criminal cases, be able to write, click on the computer mouse,  do their hair, and that everyone would be ugly. She pretty much hypothesized what would happen if people had no thumbs. According to Piaget she has become capable of hypothetico-deductive reasoning- this being when faced with a problem, they start with a hypothesis, or prediction about variables that might affect an outcome, from which they deduce logical, testable inferences. (Berk,2012, p.566.) Her answers to the problem of having no thumbs were thought out. I wish she would have explained them a little more but I know if I asked her to explain more thoroughly she would have the logic for doing so. Propositional thought is also a characteristic of formal operational thought; it is when a young individual can evaluate the logic of verbal statements without referring to real-world circumstances. (Berk,2012, p.595.) When I asked her question number 13 of the interview she gave me a smart remark saying â€Å"Duh it’s going to make a freaking noise if she hit it. No she did not make noise because she didn’t hit it.† She said this right away and asked why I was asking such weird questions that were so obvious. I did notice some signs of my teen forming an identity. Her style of clothing seemed to be pretty laid back. She wore a loose fitted tee shirt, some jeans, and a pair of converse. Her hair was in a ponytail and she didn’t have any tattoos or piercings. She doesn’t wear any make-up and her only concerns about her appearance were being fat. She mentioned having a lot of friends in school and the particular group she hung out with during lunch and her breaks was only a pair of two close friends. When asked if she belonged to a group she pointed out that she belonged to a group nobody knew about and all her group does is sit and talk and think about homework and. She mentioned all the other different kinds of groups she saw in her high school such as the popular kids, the jocks, the gang bangers, the Asians, the cheerleaders, the gothics, the bible geeks, and the nerds. She didn’t categorize herself in any of these, but she mentioned that her only concerns are getting good grades, she mentioned this a lot during her interview. Constructing an identity involves defining who you are, what you value, and the directions you choose to purse in life. (Berk,2012, p. 600.) When I asked her what role school played in her life she easily told me she was pursuing getting good grades throughout high school and eventually going to college, her moral values play a great role in her life, these being the  things her mother has encouraged and guided her to pursue. Her direction in life has been identified; she explained to me she wanted to eventually be able to go to really good universities. I believe my teen has formed her identity because of these things. My teens’ identity status is probably at the identity achievement; she has established her values and goals in life. Identity achieved individuals are committed to a clearly formulated set of va lues and goals; they know where they are going. (Berk, 2012, p.603.) I don’t really have much advice to give to my teen; to me she seemed to be on track. But her mentioning herself as being fat does concern me. I think her self-esteem is low, when I asked her if she had a boyfriend she said she did not because she was ugly. She also seems to think she is fat, since she mentioned twice in the interview she wanted to lose weight. The advice I would give my teen is, to not concern herself too much about physical appearance and focus more on the relationships she has formed with the people she has becomes friends with. I would tell her she doesn’t have to look a certain way to have a boyfriend, I would also mention that it doesn’t really matter if she has one or not, the right one will come along someday. Her academic self-esteem seems to be good though, while I was interviewing her she mentioned that her grades were really good and she was concerned about keeping them that way. Academic self-esteem is a powerful predictor of teenagers judgments of the importance and usefulness of school subjects, willingness to exert effort, achievement, and eventually career choice (Bleeker & Jacobs, 2004;Denissen,Zarrettt,& Eccles,2007;Valentine, DuBois,& Cooper,2004; Whitesell et al.,2009) I would tell her she should keep on pursuing her goals of getting good grades and eventually going to the university of her choice. I would tell her this because I personally didn’t pursue going to a university after I graduated from high school and have totally regretted it ever since. Having a good education is a good goal for a young individual to have to have a better life. My interviewees’ didn’t have any signs of a cognitive distortion, there wasn’t signs of any self-focus in her answers. Imaginary audience is when the adolescent believes that they are the focus of everyone’s attention. (Berk. 2012, p. 572.) She stated in the interview that she and her friends  were part of a group that nobody knew about; she showed little concern about it. Her social development is good; she said in her interview that she talked to most of her classmates in all her classes. She seems to have attained good peer relations and has established good friendships. I don’t think my adolescent would conform to peer pressuring, she mentioned in the interview that alcohol and drugs were of easy access but they have no effect on her friends and her. She said she did not pay much attention to those things. References Berk, L. E. (2012). Infants, Children, and Adolescents (7th ed.). Boston, MA: Pearson Education, Inc.

Sime Darby Is A Malaysia Based Multinational Company Finance Essay - Free Essay Example

Sample details Pages: 3 Words: 888 Downloads: 1 Date added: 2017/06/26 Category Finance Essay Type Argumentative essay Did you like this example? Sime Darby is a Malaysia-based multinational company that involved in 6 main sectors, namely, plantation, property, motors, industrial equipment, energy and ultilites and healthcare. The company have business in 20 countries and have more than 100,000 employees. The company is founded in year 1910 by two British businessmen, William Sime and Henry Darby. The Plantation and Motors is the main sector for the company. It is the largest revenue generator for the company which has RM16,597.0 million and RM14,126.4 million. The company has motor dealerships in eight countries which are Australia, China, Hong Kong, Macau, Malaysia, New Zealand, Singapore and Thailand. Followed by industrial sector which has RM13,168.5 million revenue on 2012, the company operates its business on 14 countries with the key activities on purchasing, leasing and selling of industrial equipment such as heavy duty trucks. They have a dealership with Caterpillar Inc. With the addition of the ot her sectors in the company, the total revenue for the Sime Darby Berhad in 2012 is RM47,602.3 million. Sime Darby is committed to building a sustainable future for all its stakeholders. It is one of the largest companies on Bursa Malaysia with a market capitalization of RM59.4 billion as at 30 June 2012. 1. Review the contents of the annual report as per reporting requirement that needs to be observed by incorporated companies. As requirement, an annual report should include the statement of profit and loss, statements of comprehensive income, statement of financial position or as known as the balance sheet and the statements of cash flow. (1) Statement of Profit and Loss Based on the report, in the statements of profit and loss, the revenue for the group is RM47,602.3 million and the other operating income is RM1330.0 million The operating expenses for year 2012 is RM43,119.4 million. 2. Discuss the importance of financial statement to the shareholders. There a re four major components in financial statements, which is, the profit and loss statement, cash flow statement, balance sheet and shareholders equity statement. The four components in the financial statement provide valuable information to the shareholders to evaluate the companys financial performance. The examination of financial statements can reveal information about the company that might be not good for making an investment. The profit and loss statement reveals a companys profit or loss within a time frame, usually one year. Also known as income statement, this accounting report includes companys revenue, expenses, net income or loss (if the expenses more than revenues). The time frame of the income statement can be one month, a quarter of one year, half year, one year, or whichever period that the company decides to use. By analyzing a profit and loss statement, shareholders can get to know whether or not the company pulled in a profit during the period of the statement. Cash flow statements show how the company makes money and where the cash used. The cash flow statement is very important to shareholders because it shows how much cash a company has generated. It also includes supplemental information such as, paid income taxes and interests. Compared to income statement, income statement includes non-cash revenues and expenses, while the cash flow statement excludes. Cash flow statement can let the shareholders seek in a potential investment in the companys ability to generate cash. In the real word, many companies have show profits on the income statement but stumbled later because of insufficient cash flow. A good look on the cash flows statement may have warned the shareholders that the companys hard time were ahead. Balance sheet is a financial statement that summarizes the companys assets, liabilities, shareholders equity at the end of a time frame of accounting period. By analyzing the balance sheet, shareholder can know how much cash t he company has on hand, and how much money the company owes, when those debt come due and what is left for shareholders. It also provides investor with many clue and information to a company future performance. To evaluate the health of the balance sheet, shareholders will apply ratios (eg: liquidity and leverage) and use these to make comparisons between present year and the past year as well as with other companies too. Shareholders equity statement is very useful for the shareholders to determine the financial health of the company. The element of the shareholders equity includes preferred stock, common stock, treasury stock, unrealized gain and loss, retained earnings and dividends. It is used to determine the debt-to-equity ratio for a company. Shareholders subtract liabilities from the amount of companys total equity to determine the companys net worth. Shareholders will closely analyze the element retained earnings because it shows the amount of the company reinvesting on itself for further growth. 3. Explain the requirement of preparing the financial statements with generally accepted accounting principles (GAAP). Generally accepted accounting principles (GAAP) is a widely accepted set of standard and the procedure for preparing the financial statement. GAAP was established by the Financial Accounting Standards Board (FASB). FASB is a self-regulatory body for the accounting industry. Founded in 1973, the mission of FASB is to establish and improve standards of financial accounting and reporting that foster financial reporting by non-governmental entities that provide decision (eg: useful information) to investors and other users of financial reports. (quote from www.fasb.org) In the last step of accounting cycle in any companies or organizations, they are required to prepare the financial statements. Don’t waste time! Our writers will create an original "Sime Darby Is A Malaysia Based Multinational Company Finance Essay" essay for you Create order