Short Term Financing Essay Example | Topics and Well Written Essays - 750 words

Short terminal Financing - Essay ExampleThe intention of going for defraud term financing is essentially to arrange funds for cognitive processal activities of the origin, these essentially means that such kind of financing is required on a very sort-notice hence the high cost of servicing it in terms of interest.Short term operation m cardinaly may be secured first, any encumbered physical assets of the business second, additional funds from shareholders, or personal guarantees fro principals. On occasion, inventories mess be used as temporary security for trading operations loans.In essence short term borrowing should be used for working requirements for day to day operations of a business. Industries with seasonal peaks and troughs and those engaged in international trade will be heavy users of short term borrowing /Banks allow their customers for certain overdraft amount. They no longer fate to work with a series of pr-signed drafts .They allow customers to withdrew more funds than what is the current account up to approved limitsSome banks help their customers diversify book debts into cash by advancing up to 80% of the credit term invoice value. To peace the companys workload further to banks collects the cash from creditors on behalf of a customer so that cash floe move be allowed, raise additional capital easily and quickly and save administrative time.Some businesses go to confuse which extension to go for but there must be a clearly idenfiable contend why a business has to source for funds before deciding on which source to go for. This can give a clear direction.There are no guarantees that the rule of determining the source of finance ca purely be followed, at some stage the firm may go for long funds when really they should have gone for short and vice versa. This can be influenced by the cost implications of going for one and not the other. If going for short term might cost the business a lot in terms of interest, then they may opt for long term.At one point, even the real consumer need also to be on he look out on which form of way o raise funds depending on what is the problem one wants to address. One can not go for a long term loan for a school fees for kids because this necessary need to take a lot of documentation to have it processed. The kindred considerations are equally to be viewed fro the same perspective whether consumer or business.Conclusion.There is no confusion at all between the sources which an establishment should fool or an individual should go for. As long as one identifies the objective of the loan or finance, it is easily determinable on which one should be opted for. All the matters is the urgency with the funds are compulsory and the purpose for which the funds are needed. Bibliography1. P.A. Pandey Financial management, 2nd edition, Central law agency,

A vacation trip from your childhood Essay Example | Topics and Well Written Essays - 250 words

A vacation stir up from your childhood - Essay ExampleIn retrospect, the entire air trip itself was not very interesting. However, the readiness to fly high above the earth and imagine what was down below and what we were flying over attract my imagination. Once in London, I was surrounded by foreign sights and sounds sights and sounds that would now seem as if they were irregular nature to me. Perhaps the most interesting aspect of the entire trip was with regards to the cuisine. Used to my native cuisine and the way in which my m opposite and loved ones cooked, the rather bland food of Europe came as something of a surprise to me. As such a young traveler, my palate was not used to these strange dishes and I would oftentimes reject them out of the hopes that my frustration would somehow magically create more interesting dishes for me to eat. every in all, the trip was both formative and enlightening. It was formative due to the fact that it infected me with a bank to see new places and travel for the remainder of my life. Further, it was enlightening due to the fact that I came to see how other spate interact with each other whereas I had only been familiar of the way that my own people acted and interacted with one

Mission of University of San Francisco Essay Example | Topics and Well Written Essays - 1000 words

Mission of University of San Francisco - test ExampleI believe that my personal beliefs and experiences shake up prepared me to continue my education at the University of San Francisco non only as means to greater donnish experience, but also to contribute to campus spirit and education during my enrollment. Much of my life has been centered on living and learning Christian values and principles. I tended to(p) a Christian high shallow and found it to be a wonderful experience. My high train experience was academically challenging. I enjoyed the secular learning and am well prepared for higher academic endeavors. I do feel, however, that the greatest learning I experienced in high school was the increment of my own personal beliefs about and relationship with God. Through my time in high school, I have developed a set of beliefs that I feel matches the values and sensitivities the University of San Francisco tries to instill and develop in students. My graduation core bel ief that I developed in high school is the belief that all knowledge must be used to do good in the world. Knowledge is like the Pearl of heavy(p) Price mentioned by Jesus. Many have left all behind to follow after it. In my mind, this is only the first part of the righteous pursuit of knowledge. Knowledge that is not applied changes knowledge from a Pearl of Great Price into pearls before swine. I believe that my secular studies in math, science and the humanistic discipline can be used to guide my lifes work. This work must be enlightening, engage and uplifting for me and for those around me. By using all of my knowledge to uplift through my lifes work, I hope to add some overmuch needed humanity to the world in which we live. another(prenominal) core belief I developed in high school is the belief that a soma of skills are necessary in order to live a productive and happy life. Early on in my high school career, I was upset by the fact that cliques seemed to rule so much of student life. I could see from the start that groups, which exclude others, or try to enforce a saturnine conformity upon the individuals within the group, are inherently unjust. Small things, such as the discouragement by school counselors for academically inclined students to take art classes, seemed so unfair to me. Why cant a person be great at physics and portraiture? I learned that encouraging the training of talents and skills in others, even if they failed to fit into a particular mold, was a very liberating experience. The injustice in existence forced to live a life that is not really yours is among the most pervasive yet prevent qualified injustices in our world today. A value that was developed in me at an early age by my family, and continued to grow throughout my high school years is that of generosity. When I say charity, I am referring to the pure love that we can have for one another as human beings. This feeling of charity that I have for others has lead me to some of my greatest experiences and my most unlikely friendships. For me, strangely enough, charity and viands seem to go hand-in-hand. I have volunteered for Meals-on-Wheels throughout my high school career. I participated in preparing and delivering meals to individuals in my neighborhood. These were all older individuals. By giving a bit of time, I found that I was able to greatly bless some of these people that were so lonely. Listening to the stories of their lives and their opinions about current events has greatly enriched my life and broadened my understanding. May of these clients became friends in the truest sense of the word. What I learned from volunteering for Meals-on-Wheels is that we all need human contact and a humane disposition towards those in need. This lesson extended to other food related volunteer opportunities. I worked for an institution called Dream

Influence of buddhism on asia Essay Example | Topics and Well Written Essays - 1250 words

Influence of buddhism on asia - Essay ExampleBuddhism is one of the older religions of the world and is considered a noble religion. It originated in India. Buddhism is a religion of tolerance and breeds compassion in its pursual. This is reflected in the character of the population that have adopted it and has spread this philosophy to the religions that it has influenced. Buddhism spread to many an(prenominal) parts of Asia and is still the religion of many countries in Southeast Asia and South Asia. There are close to four hundred million followers of Buddhism in the world today. Advent of Buddhism in IndiaThe religious philosophy of Buddhism is founded in the teachings of Gautama Buddha, who is believed to have lived from 566 to 486 BCE. The word Buddha does non mean just the founder of the religion, but is a description of the person, who is the true follower of Gautama Buddha and has attained erudition and thereby freed himself from the cycle of birth and death.

TO WHAT EXTENT MBA DEGREE MOTIVATES PEOPLE TO BECOME AN ENTREPRENEUR Essay

TO WHAT EXTENT MBA head MOTIVATES PEOPLE TO BECOME AN ENTREPRENEUR - Essay ExampleProfessional courses in management and administration support the requisite knowledge based curricula that ar intended to meet the challenges of the changing times.MBA or masters in business administration is the skipper course that imparts and helps to develop and understand the pros and cons of the business so that people move this course be able to manage it with more proficiency and creativity. With the whole range of modules, covering the mingled core areas of business, the highly demanding professional degree is designed to motivate the professionals to be creative and improvise and repair the business processes to compete effectively with the changing business trends. Therefore, it is valuable to know whether the MBA degree, provided by the different universities are indeed able to meet with their pre-meditated goals of equipping the students with the requisite skill and knowledge that w ould meet the wider implications of the business keenness needed to meet the challenges of the rapidly changing times?The purpose of the study is to gauge the impact of the professional course on the creative inputs of the students in the real life situations and evaluate the extent of motivating factors which would warp his business decisions. In the era of globalization, the emerging trends in business are crucial to understand and therefore, it becomes self-assertive to know whether MBA produces the professionals who are not only good administrators but also develop the traits of entrepreneur and intrapreneurs who are equipped to improve and improvise the business processes to optimise the intended output, within the parameters of organizational goals and objectives. It is also important to know whether the graduates of the MBA are able to meet the criteria within the defined parameters or are sufficiently prompt to exploit their entrepreneurial skills to further improve thei r aims and objectives.The universities facilitate higher studies in the

Short book reviews and comparison of reviews Essay

Short give-and-take reviews and comparison of reviews - Essay ExamplePramoedya Ananta Toer. This Earth of Mankind. New York Penguin, 1996. Vol. 1 of Buru Quartet. Print. This Earth of Mankind is a raw about contemporaneity, civilization, sex and sexuality in the society. The novel is set around the chief(prenominal) protagonist, Minke who reflects on the original meaning of contemporaneousness, which he associates with learning and science.1 The idea of modernity and civilization is advanced as Minke shows his fill in electricity2 he demonstrates modernity by using trains and smaller machines driven by oil and not steam. The novel starts by explaining factors of globalization and hence modernity. The novel too manifests the versed difference of opinion in the main protagonists arising from mesh of interest between the colonized and the colonizer. The author utilizes the narrative approach to incident the life of the main protagonists, and how the protagonists advance the themes of colonialism, modernity, and sexuality. Through describing various inventions and developments in science, the author brings out development of modernity in the novel, and how it impacts the lives of the main protagonists. The author utilizes symbolism and descriptive language throughout the book. For example, the use of aspirin as the most powerful medicine to be discovered by humanity to symbolizes effects of modernity on humanity. The main perspective in the novel is the importance of the homegrown Javanese culture as the main protagonists still fight to keep their identity in the society despite the rapid spreading forces of modernity that seek to abolish such cultures. This is observed through Minke who tries to find his real identity despite beingness in a Dutch school. The novel also brings out the ills of modernity in the society as prostitution and brothels became a status symbol in the society,3 and the oppression of the congenitals as seen in the rape of Annel ies by Robert a way to exert power for being associated with Europeans. The slue of mixed blood brews much conflict as Maurits father commits blasphemy by mixing the native and gabardine blood, which is unforgivable. Thus the white is taken as a much superior race that cannot mix with the low course native blood. This is an issue of superiority complex, where the white is viewed as being much superior tot eh native. However, dispute the issue of mixed blood being contentious, the whites still continue to sleep with native prostitutes in brothels and to sire children with the natives, which is also mixing the native and white blood. The whites are thus hypocritical. This makes them to reconsider the racial boundaries and in some cases, the native can actually be assimilated into the white society to enjoy the prestige an example being Minke who enjoys the prestige of the whites though from a mixed blood. Inner conflict in the main protagonists is the main aspect in the novel. Mink e in his setting struggles to find his real identity in a society that ranks his native class at the lower end of social hierarchy. He is lonely and is forced to live with constant skeptical by fellow students who probably were skeptical regarding his ability to make it in sciences as whites do.4 Nyai Ontosoroh faces serious inner struggles she is a mistress to a white, though a native and is even mistreated by the akin whites for being a native she is used as a sex

Smoking in the Workplace Essay Example | Topics and Well Written Essays - 750 words

Smoking in the Workplace - Essay ExampleAlthough the principle behind non-smoking was almost always health reasons, these non-smokers were unjustly exposed to smoking through their addictive peers or customers. The effects of second-hand smoking are also adverse. However, when these non-smokers were forced to work in smoking conditions, they re tout ensembley had no choice but to conform. Like any other workplace, where health and safety are the responsibility of an employer, restaurants and forbid also have an obligation to provide a healthy and safe working environment for all their employees. Taking an example of a spin worker, the employee is aware of the risks involved in working for a construction company. However, it is the responsibility of the construction company to provide safe working conditions, so that these risks can be minimize and sufficient protection over against accidents, so that the resulting injuries can be avoided. Similarly, for a restaurant/bar employee, the risks of working in such an environment result be known, but the protection against those risks is the responsibility of the employer. Here, the restaurant owner will face a dilemma in deciding between satisfying its customers by allowing them to smoke and providing his employees with a safe working environment. The employer should safeguard the interest of his employees, although some smokers will be forced to boycott the restaurant. However, in the long run, people will get used to it and will start visiting the restaurant again for its quality of service and food (Frumkin, 2003). By banning smoking, the employer will not have to worry slightly the health and safety requirements related to second-hand smoking.Second-hand smoking may also attain the productivity of employees. For smokers, smoking provides a sense of comfort and delight. However, for non-smokers, it can be a source of constant irritation. This, in turn, may affect

English Essay Example | Topics and Well Written Essays - 2000 words

side of meat - Essay ExampleGenerally, when a writer produces a work, it comes in market in its master key form and then it is presented to any other entity with its right and license to translate it to other languages to jack off it a place on international level. Such translations get feedback comprising of appreciations and loopholes twain by the people having domination on both original and translated languages which helps later to consider the drawbacks and produce better translations in future (Kovac, M., and Wischenbart, R., 2012). displacement reaction of books into position language was not always appreciated as in Australia many authors did not wish the Australian stories translated into English with so many changes in the text and wanted the youth to read original version of the stories (Nick Earls, ABC Premium News, 15 July 2009 i Allington, D., 2012). African writers also prefer to write in their own language and want Africa to be the centre of their literature. By doing this they do not aim to scorn the English stream instead they only wish to enchant things from African perspective. Ngugi is of the view that the Oral usage is important but it cannot replace the Modern African Literature. To remain loyal to the literature is to stick to the narration and assimilate and embrace the traditional thoughts and so not losing the roots (Ngugi, 1986, p. 94-5). In the clip we observe due south African writers reasons behind choosing language as a medium of their writing. Hambidge prefers to write in Afrikaans as it is connected to her identity. Moreover, she can express her thoughts and emotions in her own language in the best possible way. Magona and Ndebele see Afrikaans as the language of oppressed nation. Ndebele opts English for her writings as it is a language of hazard and fame for its being international language Magona, though, prefers to write in English but she feels that she cannot write like Jane Austen and it involves both cons cious and unconscious factors which shape thought language (U214, DVD 3, Clip 20.1, Choosing to write in English). While translating a language into English, problems may arise at lexical level. There may not be an alternative word available and a set of words express the meanings so it continue the sentence. For example in Russian language there is no severalize word for cloud rather there are words for different kinds of clouds so it makes the translator to interpret the kind of clouds relying on the background and present a different expression from the original sentence. This does not mean that Russian language is richer than English and provide finer details regarding vocabulary. In some other cases, Russian language has no separate word for arm or hand rather there is a single word ruka, so every time the translator encounters this word, he faces difficulty in interpreting that whether the writer is talking nigh arm or hand. These problems are solved by using other words s uch(prenominal) as fist, palm or from shoulder to fist or wrist but it results in comparatively longer sentence. So, such lexical gaps between languages make it difficult to create a amend translation (Cook, G., 2012). Cook observes the difficulties that become a challenge while translating other languages into English. Referring to the translation of the Chinese hire

Medical Malpractice Insurance and Law in Florida Essay

medical exam Malpractice Insurance and Law in Florida - Essay ExampleFlorida is just one of these states.In 2003, Florida passed a extensive reform of its medical malpractice laws. (Dobrinsky 2009). For instance, Florida Statute 766.118(2)(a) limits medical malpractice non-economic damages to $500,000 per claimant. Fl. St. 766.118(2)(a). Non-economic damages include such damages as pain and suffering, mental anguish, disfigurement, physical impairment, inconvenience, loss of companionship, loss of enjoyment of life and loss of consortium. Fl. St. 766.202(8). Moreover, attorneys fees are capped at 30% for the first $250,000 of any medical malpractice award, and only 10% of on the whole damages in excess of $250,000. The amount that an attorney can collect is over and above the mediocre and customary costs that the attorney incurs. Fl. R. Pro. Conduct 4-1.5(f)(4)(B)(iii)(a).Those in favor of such reforms state that these reforms are indispensable because the costs of medical ma lpractice judgments drive up the cost of health care, which in turn threatens economic growth. (Johnson 3). indebtedness judgments drive up health care because malpractice insurers bear the brunt of the burden, and they pass their costs onto the doctors in the form of increase premiums. Doctors, in turn, pass their costs of the mettlesomeer premiums onto the public. (Johnson 3). Physicians also might leave a state that has high malpractice amends rates, which reduces the availability of health care. (Johnson 3). Before the 2003 legislation passed, Florida was declared a disaster area by the American Medical Association, due to doctors leaving the state or closing their practices due to high malpractice insurance and insurance companies willing to underwrite dwindling from a high of sixty-six to twelve. (Johnson 3).Those against tort reform affirm that it is a tempest in a teapot. In other words, the costs of medical malpractice claims