Death and Dying Essay Topics - Writing the Perfect Essay

<h1>Death and Dying Essay Topics - Writing the Perfect Essay</h1><p>Death and Dying Essay Topics ought to be new and intriguing. That implies it ought to be not quite the same as the standard. For instance, a pet graveyard isn't generally new. It is an extremely old and mainstream idea.</p><p></p><p>Ask around companions, family, and associates for basic demise questions. At that point compose a paper that tends to those inquiries in an interesting way.</p><p></p><p>The second tip is to add an individual touch to your subject. You have to discover a point that will draw out the best in you. You can be a young person or a grandma who is battling with this repulsive choice, however you should speak the truth about it.</p><p></p><p>Having an individual touch is significant. You would prefer not to talk about a delicate subject in the theoretical. Individuals will be more averse to peruse your artic le on the off chance that they don't feel like they are getting a genuine encounter from it.</p><p></p><p>Death and Dying Essay Topics should be short and succinct. You have to invest your energy making a convincing contention as opposed to burning through important time on details.</p><p></p><p>Remember that you will likely learn however much as could be expected before composing your article. In the event that you have a few books or research materials on death and kicking the bucket, set aside the effort to find out about every one. You will have significantly more clearness in the wake of finding out about them. Also, look into the subject in an instructive way so you can distinguish the potential pitfalls.</p><p></p><p>There are a great deal of dangers when managing the finish of life. Consider investigating both the advantages and disadvantages of the point before you write.</p><p></p>< ;p>Death and Dying Essay Topics will be allover the web. Ensure that your paper is novel and well researched.</p>

Mythical Answers to Child Development Dhs Research Paper Topics Identified

Legendary Answers to Child Development Dhs Research Paper Topics Identified Once you have finished composing the full paper, it is important to check for mistakes in the substance. Additionally, cause certain the subjects to give sufficient possibility to obtaining information. It is essential to verify that your exploration doesn't have any literary theft and such mistakes as they could be used to punish you. Obviously, you'll not give the entire day composing your examination. The Demise of Child Development Dhs Research Paper Topics All our scholars have best in class instruction and can help you, since we have twofold astounding check, and you won't ever get a paper that humiliates you. At the point when you have chosen one of our arrangements, we'll get you in contact with an essayist who's an expert in your theme. In the event that you despite everything feel you need assistance, regardless of whether you've figured out how to choose a subject, you may consistently look for the administrations of a custom composing administration to help you produce a remarkable research paper of which you'll be glad and will promise you a pleasant imprint. New Questions About Child Development Dhs Research Paper Topics Our specialists are quite often anxious to do corrections. The featured tips are sure to flexibly you with an excellent research subject and paper. On occasion, better than average research paper themes are only the least demanding ones. In the event that you might want to run over points for look into paper utilize our site! The more you completely handle the less complex it's for you to create a flourishing exploration paper. On the off chance that it's the absolute first research paper out of some arrangement, endeavor to choose the point that might be utilized for them all. At the point when you're stressed over composing research paper, it can make you be pushed and not to be able to act in the least demanding manner all through various districts of your life. You're fortunate in case you're given one or can choose from the rundown, yet for the most part you get into do or die circumstance when you should get a subject for your exploration completely all alone. In case you're intending to not simply depict a specific issue or perhaps to pass on a plan to your perusers however hope to publicize your private hypothesis and ge t the endorsement of a regarded academic network, it's quite often crucial to draw up a comparing proposition where it's conceivable to portray specific minutes and present certain thoughts. The issue may be a shortage of top notch time to do your school article because of scholastic remaining burden or possibly you find low maintenance line of work which ought to be gone to every day. Meanings of Child Development Dhs Research Paper Topics Without an appropriate substance, incredible research paper subjects don't bode well. Your exploration will at last have a stream. You should compose a minumum of one research paper in a semester for the vast majority of the subjects. An examination paper is a long sort of composed archive identified with the meaning of results from an individual's broad research about a specific subject. Narrowing down to a particular segment of a broad point lets you focus on a solitary subject. There are occasions when you're doled out with the point yet more every now and again, you'll need to make a subject all alone. At the point when you choose an examination subject, make certain it is one which you comprehend and have a strong handle on. Following are a couple of the exhorted human science exposition theme for those understudies that can't pick an extraordinary point for their task. Alright, I Think I Understand Child Development Dhs Research Paper Topics, Now Tell Me About Child Development Dhs Research Paper Topics! In the event that you pick an idea which is excessively expansive, you will stay on a superficial level without contacting the primary concern at all. Numerous splendid people can do high in better places, however when it has to do with inquire about paper composing, it tends to be testing. Besides, the tips can assist you with creating the paper effectively without a ton of exertion. Anyway long your paper must be or how brief period you should finish it, there are a couple of general tips which will assist you with completing a top notch examine paper. Research work in school can be adaptable especially when the teacher permits you to choose a theme without anyone else. Ensure that the title isn't duplicated and legitimizes your exploration. The examples we have on our site can help in the variety of the best research paper points for understudies. You may likewise get help in the event that you select to buy a history look into paper from a trustworthy assistance to ensure the best grades. On the off chance that you are puzzled about settling on a point for examine paper, you need to initially look for guidance from your school employees.

What You Dont Know About History Essay Topics on Benjamin Franklin

<h1> What You Don't Know About History Essay Topics on Benjamin Franklin </h1> <h2> What You Must Know About History Essay Topics on Benjamin Franklin</h2> <p>The bedding is made with high-thickness froth that has versatile and polyester inside it. An awesome theme ought to give your imagination a wide compartment. The historical backdrop of the utilization of human bodies. </p> <p>This dessert has a serious common history that extends everywhere throughout the world. Given you should take a shot at it for a few days, it's a phenomenal idea to follow your energy. To each person, the family is the most vital thing. It is desirable over experience childhood in a family with a lot of siblings and sisters. </p> <p>If you'd be well off, consider sparing notwithstanding getting. Simply be certain that it is something which you require, not simply something that you need in the short term. On the off chance that you are pondering buying a thing which you will in any case have next schedule year, see pulling out the card yet you should be cautious. Along these lines, search for something which is agreeable yet additionally something which meets your style. </p> <p>It is a smart thought to search for the one which has an unrivaled notoriety and offers top notch papers at practical costs. He was a phenomenal legislator and designer, along with a couple of various callings. Normally it's characterized as a feeling of adoration to somebody's nation despite the fact that it has various undertones and is connected with a scope of various thoughts. It is preposterous to expect to make a real companion on the web. </p> <h2> The Chronicles of History Essay Topics on Benjamin Franklin</h2> <p>The cost of an article is needy upon the amount of exertion the author needs to apply. Rather, she expressed, authors should move toward subjects that they're really inquisitive about and endeavor to respond to consuming inquiries. Writers cause an opportunity for understudies since they to compose from a recorded point of view and offer a visual scene of their social orders since they encountered it. Be that as it may, the creator never dismisses the noteworthiness of different aspects of the man's character and the thoughts and activities of others toward him. </p> <p>For every single human issue, Honesty is the best arrangement. People ought to understand the value of trustworthiness as an approach to oversee social and monetary parity. Get the huge assortment of more than 500 Essay Topics and Ideas Honesty has a significant part in everyone's life and it's a character that is noticeable with open eyes like an open book. Turning out to be straightforward is never mean to endure the unfortunate propensities for other people or bear abuseed interests. </p> <p>Often energetic inclination is believed to be regular and among the virtues that are obligatory for the person. In the event that, on the other side, you pick a popular however sub-par subject, you may make some extreme memories composing the paper. For instance, there may be sufficient or insufficiency of data, the topic may be genuine or antiquated. The following authentic subjects show up on pretty much the entirety of the APUSH tests from the past barely any decades. </p> <p>Besides his logical tests, Franklin turned his concentration to open help. For example, you may disclose how to make a specific dinner, or you're ready to clarify the technique that makes a law. Our returning clients are the best evidence of the gauge and greatness of our master administrations. </p> <p>Stick to the connections in case you're keen on a history exposition or private paper composing help accessible at ProfEssays.com. As a history specialist you need to examine your sources and pose the imperative inquiries. Without a doubt the most well known Civil War commanders. Indisputably the most famous addresses ever. </p> <p>As a result you will get all odds to make a splendid enlightening discourse! His gathering wasn't altogether inviting. Probably the best clarification of the two ideas was given by George Orwell. This personal history right up 'til today is among the most pivotal verifiable reports in the US and Franklin's major abstract work. </p> <p>Though Franklin's answer should take the toxic whiff from the condition. Speaking to his perusers, he encouraged them to buy the following year or a few or four versions to show their help for his expectation. Benjamin Franklin was among the establishing fathers of the usa. </p>

Essay When Applying For Writing Job

<h1>Essay When Applying For Writing Job</h1><p>If you are the kind of individual who appreciates composing expositions and needs to improve your composing abilities so as to show signs of improvement composing work, at that point you will need to consider a paper while going after composing position. Composing an article is an ability that can be learned and refined. This will permit you to compose an all the more elegantly composed and connecting with exposition that will get you saw by potential employers.</p><p></p><p>There are a few advantages to composing an article while going after composing position. It is one of the most fundamental and most significant aptitudes that an understudy needs to create so as to be fruitful. The explanation it is so significant is that an understudy must show how they are a difficult solver. Consequently, it isn't extraordinary for individuals to think about their paper as their concern statement.</p> ;<p></p><p>Your exposition should give your potential manager a brief look into what your identity is, what is most important to you, and why you would be a decent decision for their business. The explanation they would pick you is on the grounds that they need somebody with great critical thinking abilities and imagination. You may think this seems like a great deal of publicity, yet recollect that an up-and-comer's capacity to take care of issues does make a difference to them.</p><p></p><p>Once you figure out how to compose a paper, you will start to see that composing an article is an ability that takes practice. The explanation this is so significant is in such a case that you attempt to compose a similar article over once more, you will in the long run lose the capacity to compose and the significance of your exposition will be reduced. You need to compose new articles for each activity you apply for.</p><p></p><p& gt;When you have composed a paper, you should modify it. This implies you should ensure that the substance of the paper has been enhanced and that you have disposed of any syntactic blunders that you may have made. The exact opposite thing that you need to do is hold up until the prospective employee meeting to come around and find that your article isn't up to par.</p><p></p><p>A great paper will demonstrate your uniqueness to the potential manager and will give them motivation to recruit you. They would prefer not to enlist an individual that is only a duplicate of every other person. So as you search for a vocation, ensure that you compose your article with the goal that it gives some worth and shows that you are unique.</p><p></p><p>Even in the event that you don't get employed, a paper is as yet an ability that you should sharpen and use on different resumes. For instance, in the event that you are working in deals and a sales rep approaches you with an incredible proposition for employment, you should compose a paper to communicate your contemplations on why the offer is extraordinary. Along these lines, when a potential worker connects with you, they will definitely know the estimation of your composing skills.</p><p></p><p>If you are an individual who likes to compose and needs to improve your composing abilities, at that point you will need to consider an exposition while going after composing position. Recall that when you compose a paper, you will find that it improves your whole composing aptitudes and permits you to communicate in a manner that is a lot more fascinating and intriguing than essentially composing a normal resume and spread letter.</p>

Unusual Article Uncovers the Deceptive Practices of Free Writing Essay Topics

<h1> Unusual Article Uncovers the Deceptive Practices of Free Writing Essay Topics </h1> <p>Free composing isn't precisely the same as programmed composing. For example, you can't just say your point is the First Amendment. You can address a pool of forthcoming candidates before recruiting anybody. No enthusiasm for the issue. </p> <p>It is an unthinkable undertaking to like each theme, so there isn't any unexpected that understudies don't complete a few assignments. Since you're as of now skipping suppers to pay educational cost, you can't bear to buy a paper each time you should finish one. All highlights should be followed to locate the absolute best grade for your work. </p> <h2>The Fight Against Free Writing Essay Topics </h2> <p>Unlike test you may read for there isn't any way that you're ready to read for an exposition. On occasion you may start a paper, however have zero chance to complete it. There are beyond what twelve one of a kind types of articles which can be composed. You may find some free articles on the web that you can use. </p> <p>When you form a scholastic paper your goal is to convince your perusers all through the introduction of proof. A 1 hour paper cutoff time might be genuine issue, in case you're bad enough at composing and communicating your thoughts on a subject you aren't generally intrigued by. Subsequently, don't feel like to have a theme you definitely know aboutwhat you really need is a point you may get energized and propelled to expound on that you are very keen on with respect to subject issue. </p> <p>When managing our organization that you can verify that everything is lawful and you will be content with the result. The delegates of our on-line custom composing group is effectively reached in any regard times. There's no compelling reason to give your cash on the off chance that you don't have to. Our site is an enchantment device, which won't let the most basic things to escape your attention. </p> <h2>Top Free Writing Essay Topics Choices </h2> <p >A distinctive approach to consider totally free composing is continuous flow. An incredible strategy to get the hang of freewriting is by means of a 10-minute planned compose. Snap play and you'll have every one of the encompassing sounds you should get your innovative energies pumping. </p> <p>When you own an arrangement for composing quality blog entries, you won't should be the specific individual who gazes at the clear screen before a cutoff time thinking about what things to expound on. You will potentially wish to write down a few notes about that thought so you're ready to expand on it later. On the off chance that you already have at any rate a general thought regarding what you will be expounding on, put down your underlying musings regarding this matter. There are two or three things our customers like specifically. </p> <p>Calmly Writer is a proofreader intended to focus on what you might want to tell, with a simple, subtle and ease-to-utilize UI. One of without a doubt the most significant segments of free composing isn't altering. </p> <p>If you're not fulfilled, you don't pay for uncompleted composition. You may likewise evaluate soliciting the issue from the peruser and proposing an answer, and answer what your exposition is p robably going to attempt to contend. Composing records is as of now part of the lives of people. Additionally, our creators are completely rapid concerning the activity. </p> <p>The composing doesn't need to be completed with pen and paper. You will most likely need to cover your exposition. At the point when it has to do with scholastic papers, now and again it can not be conceivable to satisfy all cutoff times and stick to high scholarly principles. A few understudies don't need to get papers composed without any preparation, yet basically require a supervisor who will be in a situation to create every single fundamental change in accordance with a paper of 1500, 2000, or words to guarantee it is great. </p>

Can College Papers Be 1.5 Spaced?

<h1>Can College Papers Be 1.5 Spaced?</h1><p>Can school papers be 1.5 dispersed? Not all composing style is suitable for school or school level composition. You may locate the substance of your composing requires more space between ideas.</p><p></p><p>Spacing is an arranging term for the physical division of letters, words, and images. A one-separated passage has four spaces between the finish of the section and the start of the following. A two-dispersed section has six spaces between the finish of the passage and the start of the next.</p><p></p><p>The general principle of dividing is to compose a couple of sentences for every page, and afterward have a couple of passages, with each passage's length expected to be a few times the length of the past section. Since the normal undergrad concentrates on normal six pages for every semester, this standard can result in a serious long exposition. Moreover, numerous understu dies need more material to complete a full-length paper.</p><p></p><p>In short, dispersing can be dubious. Remember that understudies invest about a large portion of the energy in class getting ready for tests. Accordingly, they may need to choose how much space they need to devote to their last research. In this way, they may need to consider the alternative of a couple of additional areas between sections or sentences.</p><p></p><p>In differentiate, understudies who don't have to monitor their tests can abstain from extending their paper excessively far. For instance, if an understudy needs to survey their evaluation point normal, a one-separated paper might be adequate. Alternately, if an understudy needs to put a test in the last or test segment, it might be important to put the point into the letter 'E.' Either way, however, the composing style ought to be apparent.</p><p></p><p>Two or three near one-divide d sections is a substantially more typical composing style. This is the best answer for an understudy who needs to take long haul notes without the extra dispersing. For instance, if an understudy is examining an exposition and wishes to accumulate short outlines of pertinent parts, the person in question may wish to make a one-divided rundown with three successive headers.</p><p></p><p>Of course, this is a vastly improved option than composing a long paper, which is very hard to review. In any case, that doesn't mean a one-separated or two-divided paper is terrible. Truth be told, a paper that are elegantly composed and well-altered, and that is all around organized, can be truly charming and educational.</p>

Liquidity risk - Free Essay Example

Sample details Pages: 14 Words: 4090 Downloads: 1 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? What is liquidity risk and how managers deal with it? COMMERCIAL AND INVESTMENT BANKING 1. Introduction Technological progress and internationalization has led to rapid innovations in financial markets and regulations. This changing environment in which banks find themselves presents great opportunities but also a wide range of risks while operating. Don’t waste time! Our writers will create an original "Liquidity risk" essay for you Create order Such risks are interest rate risk, market risk, credit risk, off-balance-sheet risk, technology and operational risk, foreign exchange risk, country or sovereign risk, liquidity risk and insolvency risk. In this paper we attempt to provide a development of liquidity risk and the way managers deal with it. For financial institutions it is an everyday activity to provide cash to their customers. Moreover, the recent economic crisis proved that banks are particularly vulnerable to liquidity problems so it is of a fundamental importance for managers to supervise, forecast and plan banks position as they are considered to be â€Å"too big to fail†. (Saunders, 1949) 2. Why is liquidity necessary? According to the Bank of International Settlements (BIS), liquidity is the ability of the bank to fund increases in assets and meet obligations as they come due, without incurring unacceptable losses. This means that a financial firm has immediately access to spendable funds when they are required or can raise funds by selling assets or borrowing. Liquid funds are needed from a financial institution in order to meet customers demands or in the case of banks growth. More specifically banking activities include redemption of deposits, covering of loans, pay off of previous borrowing withdrawals of money from accounts and credit request that institutions wish to keep. It is indispensable to maintain a balance between short-term assets, which are represented by loans, and short term liabilities which are represented by deposits. What is more, the time dimension is a major factor so banks should administrate time carefully as some liquidity needs are immediate. Liquidity shortfall may l ead to closing of an individual bank and consequently this can encumber the whole economy. (Rose and Hudgins, 2008) 3. Sources of liquidity But how we generate liquidity? While every financial transaction is directly related to liquidity, banks have raised several options to correspond to these demands. The most liquid asset is cash and it is used to cover withdrawals. Conversely, banks tend to keep cash levels low as cash reserves pay no interest. Thus, another important source is considered to be the sale of assets and mostly the liquidation of investment securities. The liquidation of assets pay interest revenues but in some cases may be costly for the bank or not effective, while when the asset is very liquid returns are low. In addition, customers deposits and customers loans repayment can be potential sources. (Saunders, 1949) Heffernan (1956), advocates that banks by keeping a gap between their short term deposits and long term loans can produce money (maturity mismatching). This practice, in which banks retain a fraction of their deposits in reserve and lend out the remaining, is noun as fractional reserv e lending. Borrowing funds from other banks or from the Central Bank can be another alternative element in the supply of liquidity but also the last solution for illiquidity. Obviously the appropriate level of liquidity can be achieved through managing assets and liabilities. In many cases governments insure deposits so the desirable level of liquidity is stable and banks are protected. 4. Liquidity problems Financial firms often face significant liquidity problems. This major exposure to liquidity pressures arises from several sources which can disturb the balance between liabilities and asset s of the balance sheet. On the liability side, liquidity problems can be caused when depositors withdraw large sums of money. The reasons that can trigger this removal is usual the lack of confidence in the bank or in the banking system and poor management policies. When the run starts, the value of liquidated bank assets decrease, so everyone wants to remove their deposits. The fact that customers rush to the bank to take out their money as quickly as possible to avoid losing it is known as bank run. And as a bank run escalates and more people take out their deposits, the possibility of default increases, and this encourages additional withdrawals. This can impose bankruptcy and the follow-on series of bankruptcies can induce an economic recession. This susceptibility of banks can create sys temic risk, which means problem to the entire banking system. On the side of assets of the balance sheet, liquidity troubles can be triggered by unpredicted loan default. These are mainly related with the prolong of credit lines something that is offered from banks to customers and in cases of a shortfall burdens banks position. In both aspects a financial institution, usually the central bank, intervene with remedial measures, by operating as the lender of the last resort or as a lifeboat rescue. By the term â€Å"lender of last resort† we refer to the loaning from the central bank that aims to protect depositors and evade possible extensive panic to the economy caused by the collapse of a bank. To boot, the lifeboat rescue function is when the central bank demands from another healthy bank to provide loan to the problematical one. What is more, another method that is followed by some central banks is the â€Å"too big to fail† method. The Too Big to Fail is a p hrase states that, a bank is a large and integral part of the economy that government will provide support to avert its collapse. The assistance is for large banks whereas weak ones are left to fall down and this gives all banks a motivation to enlarge their assets even though it means obtaining risky lenders. However, despite the fact that this intervention is beneficial, the money borrowed from the Central Bank or from the interbank market have a penal rate which is costly. (Heffernan, 1956) 5. What is liquidity risk? â€Å"The risk that arises from the difficulty of selling an asset. An investment may sometimes need to be sold quickly. Unfortunately, an insufficient secondary market may prevent the liquidation or limit the funds that can be generated from the asset. Some assets are highly liquid and have low liquidity risk (such as stock of a publicly traded company), while other assets are highly illiquid and have high liquidity risk (such as house)† (investorwords.com) As it is derived from the definition, liquidity risk can be distinguished in two types, asset liquidity and funding liquidity. When an asset cannot be sold by reason of market illiquidity it is considered as asset liquidity. This is the cause for making explicit liquidity reserves, widening bid or offer spread and lengthening holding period for Value at Risk (VaR) calculations. The VaR model is used to compute a banks market risk. VaR is able to estimate risk while it happens and is an important consideration when ban ks make trading or hedging decisions. On the other hand, funding liquidity is the risk that liabilities cannot be met when they fall due or can only be met at an uneconomic price. Typically, funding liquidity risk depends on the availability of the liquidity sources and the ability to satisfy the budget constraint over the respective period of time. The reasons that consider engendering liquidity risk are two: a liability-side reason and an asset-side reason. The first cause, liability-side, is brought about when a liability holder, like depositors, demand cash immediately and they withdraw their deposits. This matter can be dealed with borrowing additional funds or with selling assets. The second cause is asset-side liquidity risk and is the ability to satisfy loan commitments. As it happens with liability withdrawals, banks can meet such liquidity needs by running down its cash assets, selling off other liquidity assets or borrowing additional funds. (Wikipedia, 2009) 6. Measurement of liquidity risk While the problem of liquidity risk is becoming more pertinent to the modern banking sector, a sound process for measuring and monitoring liquidity should be applied. In order to establish a measuring frame some parameters should be taken into account. Firstly, as it is previous mentioned, various types of risks may come up with strong interaction between them. Thus, a bank should recognize all this types and the events that can create them. Secondly, it is crucial to evaluate cash inflows and outflows and liquidity value of assets to know if it has the ability to face a shortfall. A third factor that should be considered is that a bank should control its liquidity risk position for all future flows of assets and liabilities, all sources of liquidity, all currencies in which bank it is active and correspond activities. The measurement tools that a bank can use are liquidity ratios, which compute the ability of current assets to meet short term obligations. The two indicators tha t are used more repeatedly are the following: 1. Current ratio=Current assets current liabilities This ratio contrasts current assets with current liabilities so as to indicate short term solvency and debt services. 2. Quick ratio=cash and accounts receivablescurrent liabilities The acid test or quick ratio depicts the companys capability to pay back immediate commitments with cash or cash equivalents. The outcomes of these indexes rely on the financial circumstances, on each individual banks experience and on the quality of assets that are used for liquidity ratios. (bis, 2009) (Glantz, 2003) 7. Strategies for liquidity risk management It is crystal clear, from all mentioned above, that liquidity risk is one of the most important types of risk that a bank or any other company can get together. The recent turmoil in the financial system was the most appropriate and representative fact to prove that managing liquidity risk is critical for the safety and soundness of financial institutions. Liquidity risk management systems should reflect an institutions complexity, risk profile and scope of operations. (federalreserve.gov, 2009) That is why managers have developed strategies in order to deal with liquidity problems like: a) Providing liquidity from assets (assets liquidity management) b) Relying on borrowed liquidity to meet cash demands (liability management) c) Balanced (asset and liability) liquidity management (Rose and Hudgins, 2008) a) Asset Liquidity Management (or Asset Conversion) Strategies One of the oldest strategies that managers use to deal with liquidity needs is asset conversion. Banks and other depository institutions apply this strategy by storing liquidity in assets, mainly in cash and marketable securities. When is necessary these assets are converted into cash in order to cover the arising demands. But first of all we have to make clear that an asset is consider to be liquid when it has a ready market (can be converted into cash immediately), it has a stable price (the asset can be sold quickly without significant decreases in price) and it is reversible (the seller can recover his initial investment with little risk or loss) The most popular liquid assets are treasury bills, federal funds loans, certificates of deposit, municipal bonds, federal agency securities, bankers acceptances and Eurocurrency loans. Asset conversion strategy is less risky than borrowings and that is why it is usually used by small financial institutions. The opportunity cost is r egarded to be a disadvantage of this method as selling assets means loss of future profits that they might have brought if were not sold. Moreover, something that managers must take into account is the fact that assets with the least profit potential are sold first to minimize the opportunity cost. Last but not least, liquid assets have the lowest returns and this is the reason that they do not consist a profitable investment. (Rose and Hudgins, 2008) b) Borrowed Liquidity (Liability) Management Strategies This strategy is also known as purchased liquidity and involves borrowing from money market to offset liquidity need. It is used by a wide array of financial institutions as it has a series or advantages. The bank can borrow funds only when it is necessary without losing high returns. Furthermore, this method gives the right to the firm to keep its asset portfolio unchanged if it is profitable. Finally, the borrowing institution has the control of the interest rate. When a large amount of funds is needed the offered rate is high but when fewer funds are required the offer rate is lower. The volatility of interest rates makes purchased liquidity the most risky approach. (Rose and Hudgins, 2008) c) Balanced Liquidity Management Strategies This strategy combines the use of asset conversion and borrowed liquidity approaches. In balanced management expected demands for cash are covered by stored liquidity in assets while unexpected cash needs are met from near-term borrowings. There is evidence that is the best liquidity management strategy. (Rose and Hudgins, 2008) 8. Estimating liquidity needs Banks attempt to predict their liquidity needs using manifold approaches. Though these approaches may not give accurate results, they give to banks the opportunity to be able to face their needs. Liquidity estimate enables banks to have liquidity reserves including both a planned and a protective component. The planned component consists of the reserves that were predicted lately while the protective component consists of extra reserves, over those dictated by the most recent forecast. Liquidity needs estimation techniques include the sources and uses of funds approach, the structure of funds approach, the liquidity indicator approach and the market signals or discipline approach. (Rose and Hudgins, 2008) * The sources and uses of funds approach Before we analyze this method we have to make clear that in the case of a bank liquidity rises as deposits increase and loans decrease or liquidity declines when deposits decrease and loans increase. Whenever sources and uses do not m atch we have liquidity gap. When sources of liquidity exceed uses, the bank will have a positive liquidity gap (surplus). In that case the financial institution must invest this surplus of funds in assets in order to meet future cash needs. When uses exceed sources the bank has a negative liquidity gap (deficit) and it must raise means from accessible sources. There are three steps involved in the sources and uses of funds approach. 1) Forecast of loans and deposits for a specific planning period 2) Calculate the estimated change in loans and deposits for the same period 3) Estimate the net liquidity funds surplus or deficit. This can be achieved by comparing the estimate change in loans to the estimated change in deposits. (Rose and Hudgins, 2008) Managers in banks have developed some forecasting models such as the following in order to estimate the changes in loans and deposits. Estimated change in total loans for the coming period is a function of: projected growth in the econ omy,projected quarterly corporate earnings,current rate of growth in the nations money supplyprojected primeloan rate minusthe commercialpaper rate, and estimated rate of inflation Estimated change in total deposits for the coming period is a function of: projected growth in personal income in the economy,estimatedincrease inretail sales,current rate of growth in the nations money supply,projected yield on money market deposits, and estimated rate of inflation Consequently, we have estimated liquiditydeficit or surplusfor the coming period=estimated changein deposits-estimated changein loans (Rose and Hudgins, 2008) * The structure of funds approach This approach involves three steps. The first divides deposits and other funds sources into different categories depending on the probability of withdrawals. As an illustration we might divide a banks deposit and non-deposit liabilities into three categories: a) â€Å"hot money† liabilities (volatile liabilities) high interest sensitive deposits and borrowed funds that expected to be withdrawn in recent period, b) vulnerable funds- customer deposits of significant part, perhaps 25% to 30% is likely to be withdrawn in recent period, c) stable funds (core deposits/liabilities)- funds that are not likely to be withdrawn. Second step is the allocation of liquidity funds for each category of funds according to some operating rules. For example lets assume that the manager sets up a 95% liquid reserve (less any required legal reserves). For vulnerable funds he holds an unchanging proportion of their entire amount say 30%- in liquid reserves. For invariable funds the bankers place a smaller percentage- perhaps 15%- of their sum in liquid reserves. Taking into account the assumptions above the liquidity reserve behind deposit and non-deposit liabilities would be: Liability liquidity reserve= 0.95*(hot money deposits and nondeposits funds- legal reserves held) +0.30*(vulnerable deposit and non deposit funds legal reserves held) +0.15*(stable deposit and non deposit funds legal reserves held) (Rose and Hudgins, 2008) As regards to loans the bank is supposed to make good loans. By this term we mean that the customer covers the lenders loan quality principles. In that kind of customers the banker tries to sell other services as well in order to increase the lenders trust on the lending association. These extra services will also bring extra income for the bank. Management must also try to calculate approximately the maximum possible number for total loans and hold in liquid reserves the whole amount (100%) of the difference between the real amount of loans outstanding and the maximum prospective for total loans. Combining both loan and deposit liquidity requirements, the third step is to estimate the total liquidity requirement for the bank. Total liquidity requirement= deposits and nondeposits liability and loan liability liquidity= 0.95*(hot money funds - legal reserves held behind hot money deposits) +0.30*(vulnerable deposit and nondeposit funds required legal reserves) +0.15*(stable deposit and non deposit funds required legal reserves) +1.00*(potential loans outstanding- actual loans outstanding) Of course all these requirements that mentioned above are biased estimates that depend on managements experience and philosophy. (Rose and Hudgins, 2008) * Liquidity indicator approach This approach estimates liquidity needs relying on the use of experience and industry averages. It uses different liquidity indicator ratios such as: I. Cash position indicator: cash and deposits due from depository institutions à · total assets( where large quantity of cash shows strong pose for the bank) II. Liquid security indicator: government securities à · Total assets, which compares the securities that a firm owns with the whole mass of its asset portfolio (large proportion of government securities means good liquid po sition). III. Capacity ratio: Net loans and leases à · Total assets which is a negative liquidity indicator due to the fact that loans and leases are often characterized for illiquidity IV. Hot money ratio: money market (short-term) assets à · volatile liabilities= (cash and due from deposits held at other depository institutions+ holdings of short-term securities + federal funds loans + reserve repurchase agreements)/(large CDs + Eurocurrency deposits + federal funds borrowed + repurchase agreements). This indicator proves whether the bank has balanced the volatile liabilities with the money market assets that could be converted rapidly into cash. (Rose and Hudgins, 2008) * Market signal (discipline) approach This is a qualitative approach to measure liquidity requirements of banks. It is a method that centers on the obedience of the financial market position which subject banks to chain of markets tests. a)Public confidence . It is very important for individuals and institutions as well to consider that the bank is able to meet its obligations. b)Stock price behavior. There is a case where the institutions stock price may fall because investors realize that the bank face or it is about to face liquidity crisis. c)Risk premiums on CDs and other borrowings. The market is likely to impose a risk premium by higher borrowing costs if it perceives that the institution is on the road to a liquidity crisis. d)Loss sales of assets. As we mention before at the liquidity strategies, the bank may sell assets when cash needs are direct. But this sometimes leads to significant losses. The question is whether this is a exceptional invent or a common one. e)Meeting commitments to credit customers. Sometimes management rejects credit applications because of liquidity demands when otherwise these applications would be acceptable. f) Borrowings from the central bank. When the institution has borrowed funds from the Central Bank more than once and in large amount then it is something that concerns the Bank significantly. If any of these cases are presented to the bank then management needs to take a better look at its liquidity policies and make some changes if it is necessary. (Rose and Hudgins, 2008) 9. Examples of Risk Management Since liquidity risk management is a crucial issue for banks, it is usually stated on their financial reports. Going over the annual reports of two well-known banks -Alpha Bank and Millennium Bank we take a closer look at how they handle risk. Alpha Bank Alpha Bank uses a strict framework for risk management. The goal is to advance this framework with the intention of avoiding any negative impacts on the institutions financial results. Managers are active and try to keep up with the international economic environment. The improvement and supervision of the framework is under the auspices of the Board of Directors. There is also a Risk Management Committee which ensures and monitors the policies that are used. The major part of the Groups Assets is financed by customer deposits and bonds issued by Alpha Bank. These funds may be divided in two categories: a) Customer deposits used to cover cash needs b) Customer deposits and bonds used for investment purposes. The Bank monitors its liquidity risk on a ordinary basis by computing two liquidity Ratios: * The Liquid Asset Ratio * The Short -term Asset-Liability Mismatch Ratio The trend of these indicators in conjunction with theoretical changes in the volumes of assets and liab ilities is commonly evaluated. Each year the budget is used to specify the financing necessities of the Bank and Group so that liquidity ratios stay in the desired limits the whole year. (Alpha Bank Business Review, 2008) Millennium Bank The attitude of this Bank on Liquidity Management is to make certain that there is an adequate quantity of funds to cover the liabilities when they due, in normal and abnormal circumstances without serious effects on the profits and the reputation of the institution. The Treasury section of the Bank exchanges information with other departments in order to define the requirements and the anticipated cash flow. Liquidity indexes are subject to crisis condition simulations with a number of dissimilar scenarios. The institution estimates on a daily and quarterly basis the following ratios: * Liquid Assets Capital Ratio * Assets-Liabilities Gap Ratio The Management of the liquidity risk is approved by the Liquidity Management Committee. Conclusion The aim of this effort was to analyze the magnitude of liquidity risk and the way it is handled by the managers. The susceptibility to this is a characteristic of the modern banking sector and consequently it is compulsory to oversee it taking always into consideration the dimension of time. The bright side of the issue is that there are ways to estimate it and leave at the discretion of each bank what method to follow according to its philosophy. In the case of maladminister, the consequences can be detrimental not only for each institution but for the entire economy and this is the reason that make their protection imperative. References: * Casu, B. and Girardone, C. and Molyneux, P. (2006) Introduction to Banking, England: Prentice Hall. * Glantz, M. with contributions by Moodys and KMV and Mum, J. (c2003) Managing bank risk: an introduction to broad-base credit engineering, Amsterdam: Academic Press. * Greuning, H. and Bratanovic, S.B. (2003) Analyzing and Managing Banking Risk: A Framework for Assessing Corporate Governance and Financial Risk, Washington: The World Bank * Heffernan, S. A. (1956) Modern Banking, England : Wiley. * Rose, P. S. and Hudgins, S. C. (c2008) Bank Management Financial Services, NY: Mc Graw- Hill. * Saunders, An. and Cornett, M.M. (1949) Financial institutions management: a risk management approach, NY: Mc Graw- Hill International Edition. Websites: * Alpha Bank Business Review (2008) Available: https://www. Alpha.gr/files/investorrelations/APOLOGISMOS_2008_EN.pdf * MILLENNIUM BANK S.A. , Consolidated Financial Statements based on the International Financial Reporting Standards adopted by the European Union the year ended on December 31, 2008 Available: https://www.millenniumbank.gr/NR/rdonlyres/48D2F078-BA8E-4C2E-B9A3-DDF29BDF3B65/0/Notes_Consolidated_Group2008EN.pdf * https://en.wikipedia.org/wiki/Lender_of_last_resort * https://www.investopedia.com/terms/l/lenderoflastresort.asp * https://www.yourdictionary.com/finance/lender-of-last-resort * https://www.investopedia.com/terms/t/too-big-to-fail.asp * https://en.wikipedia.org/wiki/Too_Big_to_Fail * https://en.wikipedia.org/wiki/Bank_run * https://www.econlib.org/library/Enc/BankRuns.html * https://www.businessdictionary.com/definition/maturity-matching.html * https://en.wikipedia.org/wiki/Bank_run * https://www.ecb.int/pub/pdf/scpwps/ecbwp100 8.pdf * https://www.investorwords.com/2841/liquidity_risk.html * https://en.wikipedia.org/wiki/marketliquidity * https://en.wikipedia.org/wiki/liquidityrisk * https://www.bis.org/pub/bcbs138.pdf. * https://fic.wharton .upenn.edu/fic/papers/07/po735html * https://www.federalreserve.gov/newsevents/press/bcreg/20090630a.htm * https://en.wikipedia.org/wiki/Fractional-reserve_banking

A Descriptive Essay - How to Write One For a Better Grade

A Descriptive Essay - How to Write One For a Better GradeDescriptive essays are easy to write. A descriptive essay is exactly what it sounds like. It's all about giving your reader a short, concise description of what you are talking about.So, how do you create a descriptive essay? Use the techniques below to get your grade-mark up. The goal of a descriptive essay is to describe what you are writing so your reader can relate to your words.- Read a lot. This will help you get a grasp on the topics that you want to discuss. There is no way around this. Reading will help you better understand the subjects you will be discussing. This will also help you improve your reading skills.- Know your purpose - You need to know what you're going to be writing about. Make sure you know what you want to say before you start writing. You have to know what you want to talk about or at least what you're going to talk about to get a descriptive essay written.- Get excited about the topic - This will he lp to get your essay flowing. Keep in mind that you should always keep the essay's topic as light and fun as possible. This will help you write a descriptive essay that is entertaining.- Be concise - Your description has to be short, yet detailed. You should not only go into a long description. This can work to your disadvantage. If you go into too much detail, you won't be able to answer the question posed by your readers.- Detail is key - Remember that a descriptive essay should be detailed, but it shouldn't get too detailed. Just enough to give the readers the information they need. Be careful not to overdo it.The last thing you need to do to make your descriptive essay more effective is to use a sentence structure that flows. In order to achieve this, you should always use three-syllable sentences and be concise in your sentences.

Should College Athletes Be Paid Essay Example

<h1>Should College Athletes Be Paid Essay Example</h1><p>If you are a trying understudy, what sort of paper do you compose? Do you view yourself as a decent essayist? In the event that you think you are, do you believe that you can turn out to be adequate to get paid to compose? Assuming this is the case, you might need to audit a portion of the article models that are accessible in numerous school sports arranged books and online.</p><p></p><p>A basic school book is one that centers around expositions for secondary school understudies. Huge numbers of these secondary school children will, truth be told, become understudies. Some of them may not be as capable as their individual schoolmates. This, indeed, will be the situation for a considerable lot of them as well.</p><p></p><p>There are individuals who might do well recorded as a hard copy a paper on the off chance that they were given a chance. The individuals who h ave aptitude at sports would no doubt exceed expectations recorded as a hard copy hence alone. What they have to do, be that as it may, is ensure that their abilities are satisfactory before they attempt to get paid. You might need to consider that before you choose to pursue anything.</p><p></p><p>Some understudies, obviously, would think they are as of now great. They will feel that they have just figured out how to compose a decent paper. There is a motivation behind why they didn't go on to school in the first place. The individuals who do well with sports would be viewed as the individuals who take in and improve from each experience.</p><p></p><p>You may likewise need to think about that as some of the exposition models in school books center around sports. Their authors may be rehearsing what they compose, however they have not yet had the chance to transform their composing abilities into the aptitudes that an expert would use recorded as a hard copy a decent article. Truth be told, a few people feel that composing isn't too significant once you get to school. It is with regards to perusing, notwithstanding, that youwill truly must have the option to benefit some research.</p><p></p><p>There are numerous understudies who feel that composing isn't too significant with regards to school. They have, truth be told, effectively figured out how to compose a decent article. They may feel that they could be doing likewise in perusing, as well. Shockingly, however, they would not be right about that.</p><p></p><p>The most basic school book is one that discussions about paper models for understudies who need to move past the way that they have just figured out how to compose a decent exposition. The individuals who might do well recorded as a hard copy thus would incorporate the individuals who have composed for others. Huge numbers of them can discover other people w ho will value their work. This, actually, is something that they have to do before they will ever start to get cash to compose for others.</p><p></p><p>You should remember that a large number of the article models that are found in school books may not be helpful to your particular circumstance. You ought to be certain that you comprehend what it is that you have to do so as to discover what you have to expound on. You ought to likewise recall that any new data that you may get will most likely assistance you figure out what you have to do to get ready for the duties that you will look in college.</p>

Essay Topics for College Students

<h1>Essay Topics for College Students</h1><p>Most understudies know about the gigantic difficulties they will confront when composing their school papers. Some may even concede that the procedure is a bit of overwhelming. The understudy needs to settle on the decision between taking on a genuine test and taking off and attempting to write such that shows off their knowledge and skill.</p><p></p><p>It is likewise evident that numerous undergrads who don't have teachers with Ph.D.s, compose their papers as well as can be expected in order to earn An out of a class. For this situation, the task would be a more noteworthy test. In any case, there are some paper subjects for understudies that can be written in a scholarly style, yet are fascinating to read.</p><p></p><p>Essay themes that are not too known as exemplary, great exposition points are regularly ones that can be utilized as beginning stages. These are regularly t hose that manage recent developments or mainstream society. This can incorporate anything from motion pictures to network shows to viral recordings. There are numerous approaches to utilize paper subjects of this sort to pick up the information expected to compose a drawing in, however fascinating essay.</p><p></p><p>One of the best exposition points for undergrads to utilize is the one about something that may be going on the planet today. It very well may be a football match-up in Michigan or a fear monger assault in Iraq. These can be themes that are so essential to the instruction of the understudies that they would make an extraordinary beginning to the thesis.</p><p></p><p>There are a few different ways that understudies can concoct paper subjects about recent developments. A portion of the ways incorporate posing an inquiry, viewing a news fragment or perusing an article. Thusly, the understudies can discover what the news is an d can figure inquiries for themselves that could be utilized later on in the project.</p><p></p><p>Other ways that understudies can concoct exposition points for recent developments incorporate asking others who are learned about the subject to get them out. Asking different understudies in their classes, their congregation or even their town where recent developments are occurring can be an incredible approach. The most ideal approach to use these points is to utilize the data as the reason for a contentious article that utilizes the information.</p><p></p><p>These paper themes can extend from the exhausting and the easy to the energizing and the useful. Understudies ought to have the option to pick the ones that intrigue them the most and afterward connect it to a postulation explanation. When the subject is picked, the following stage is to thought of a contention to help the choice.</p><p></p><p>Essay points for understudies to utilize can be speaking to understudies who appreciate composing. By picking an article subject important to them, they will make some extraordinary memories composing and finding out about recent developments. They will find that by being inventive, they will have the option to compose an incredible article that will stand apart from the entirety of the others on their specific topic.</p>

Topics For Research Paper On Economics

<h1>Topics For Research Paper On Economics</h1><p>In request to compose a decent paper on financial aspects, you have to have your subjects looked into cautiously. At the point when you are composing your exploration paper, you will run over various subjects for examine. On the off chance that you would prefer not to become mixed up in the labyrinth of various themes, read this article, as it might help you.</p><p></p><p>Economic process: The subject of your exploration paper on financial matters is presumably one of the most significant. You have to know the monetary procedure of some random nation and how that procedure impacts the improvement of its economy. Along these lines, you should examine the financial history and contemporary states of the nation being referred to. Something else is that you should comprehend the monetary framework in that nation and what its approach is towards the economy of that country.</p><p></p ><p>Your own suspicions: There is a need to investigate how you came to make your own presumptions in your paper. For instance, you may have a great deal of financial suspicions which are not in accordance with the raw numbers accessible. In this manner, on the off chance that you are quick to compose a target explore paper on financial matters, you ought to have the option to look at whether you are making suppositions and in the event that they are real.</p><p></p><p>Theory and practice: Do you accept that financial aspects ought to be an absolutely hypothetical action? Provided that this is true, you should begin with a hypothesis based paper. In any case, in the event that you are of the supposition that there are an excessive number of statistical data points accessible, at that point it will be a great idea to have a working paper which attempts to assembled a portion of the variables from the hypothesis and use them in practice.</p><p ></p><p>Elaboration: Do you imagine that you have enough information about financial matters to compose a paper on financial aspects which considers the ideas of general harmony and speculations? Assuming this is the case, you should compose a second paper which centers around general harmony and the speculations behind it. On the off chance that you don't, you won't have the option to comprehend and understand the conversation in your first paper.</p><p></p><p>Research choices: Some individuals don't consider composing a monetary paper on financial matters. In any case, this kind of paper is very helpful in investigating the different manners by which financial aspects can be utilized to tackle issues. In this way, you should try investigating all the various alternatives that are accessible to you and select the most ideal route in the process.</p><p></p><p>These are only a portion of the subjects for inquire about pap er on financial aspects. Utilize this rundown to get the correct blend of subjects for your examination paper on economics.</p>

Up in Arms About Book Reports?

<h1> Up in Arms About Book Reports? </h1> <p>Education World offers 25 thoughts which may assist you with doing definitely that! Understudies may compose a couple of pages, a snappy section, or a whole book. They could utilize iMovie or Animoto to make and distribute their recordings. Aside from the tests which they need to do in class, they are additionally given the tests that must be done at home. </p> <p>Read the Entire Book It is by a long shot the most essential advance. In the event that you have any inquiries with respect to the desires for the Book Reports, kindly don't stop for a second to send me an email. Verify that you've adhered to all the educator's directions and gain a correlation with the guide sheet. </p> <p>Describe what occurred from the outset, the center and the finish of the book. Be sure to peruse the books you need to spend the hands of someone who is building up an understanding character. Alongside an affection for perusing and stories, kids that are perused to at a youthful age learn aptitudes like book knowledge and word appreciation. As the appropriate responses required must be brief, you need to commit certain errors don't divert your perusers from the home thought you need to pass on and that they don't bargain the all out nature of composing. </p> <p>You'll be encircled by composing experts all through the arrangement of request position, and once you select to buy article and pick a dispensed essayist, things will get significantly all the more energizing. Truth be told, a prepared author can take care of business a lot quicker than any understudy as they've been composing scholarly assignments during their whole life. The substance should be sorted out in a way that perusers don't have to look for what reason the author has during the innovation of the exposition. As our gathering of authors is quite huge, we generally have free journalists quick to bring a sensible and generously compensated buy. </p> <p>Just as Christian Fiction wasn't well known 2 decades prior, presently it's transitioning among standard perusers. When you have summed up your story, after that you can mention to your crowd what you thought of the book. When a writer composes, he could hypothetically endeavor to explain the full world. </p> <h2>The Debate Over Book Reports </h2> <p>Consider how you feel when you read a few parts of the book to discover a feeling of the tone. It is likely that the character presentation will happen in the very same sentence as the plot presentation. You should put one specific sentence diagram of the entire work in the past line of presentation. Both offer a blend of synopsis and editorial. </p> <p>Create a little memory box around twenty inches square where you can save the genuine fortune in your life. The unrivaled purpose of the unit is that it's somewhat less expensive than the primary decision. Perusing solid deals material is only probably the least complex ways for you just as your business staff to acquire more cash. The instances of book report configurations can be utilized by various people dependent on the types of the models. </p> <h2> How to Choose Book Reports</h2> <p>The result couldn't be more clear. Before you start on the body of the report, take two or three minutes to write down some important data by thinking about the following focuses. Else, you won't can locate the alluring number of focuses and accomplish an A-level result. You should know that a major number of appraisal methodology are made in the inquiries answers position. </p> <p>Should you need all the way help in building up a modified paper, we additionally convey a gathering of knowledgeable, experienced staff exposition journalists prepared to help you. Each book commentator requires an example book report to encounter the rules about how to create a report on any type of book in an appropriate arrangement. Social assorted variety exposition for participants to see that is an effective. </p> <p>When you request that we create my examination paper, we'll do it right, which remembers familiar substance as well as for expansion designing. There are discrete polls that are useful recorded as a hard copy a novel and life story document, history book document, science book report and unmistakably more. The expanding number of paper composing administrations is entirely overpowering. Utilizing a specialist look into paper altering administration may help your composition colossally. </p>

Essay on Alternative Energy For Future Entrepreneurs

Essay on Alternative Energy For Future EntrepreneursThere is a trend amongst the younger generation to write an essay on alternative energy. An alternative energy essay is usually written as a tutorial for those who are looking to start a new career in the energy sector.The concept of using alternative energy is the same as any other type of alternative energy in our time and today's economy, but it is just new because the concept has not been around for as long as the solar panel technology has. It is just beginning to take off in the US and it is expected to do so quickly.Writing an essay on alternative energy can be done in many ways. You can actually create a program or even a website that describes what you are going to do and how it is going to work. This makes the entire process a little bit easier and more simple for the average person.You might want to look into small cells which are a great alternative to traditional batteries. These small cells are fairly inexpensive and t hey do provide a significant amount of energy. The problem is if you want to build one, there are a lot of options available and the best one might be something that you are not interested in doing.When you first start out looking at small cells, you should start researching some of the options for research possibilities. If you go online you can get a lot of great information on all kinds of things. Most small cells will need to be hooked up to a home or commercial building to get the most out of them.These are a great option for students looking to earn credits. You can learn a lot about different companies that make them and the processes that they go through. While it is good for students to know a little bit about them, it is not a good idea to just go out and start building a small cell. An alternative energy essay on this topic is one that can be either longer or shorter depending on what the student is looking for, but the good thing is that it is easy to create a business p lan for your alternative energy project. It just requires you to find out what you need to get started and you can use that to your advantage.One of the best parts about writing an essay on alternative energy is that you can share your experiences and share what you have learned with others who are looking to do the same thing. This is a great way to build your knowledge base, but keep in mind that some people might not agree with you on the overall concept. It is always a good idea to look over your essay before you post it up to see if there are any topics that you might not be able to tackle.

Student Essay Examples

Student Essay ExamplesYou may be required to write a student essay, and there are some pitfalls you should avoid. The goal of the essay is to identify a reason for a student to take college courses or obtain professional certification. Sometimes the essay is required in order to apply for college funding. The amount of time spent writing the essay is in direct proportion to the amount of money the student will receive as a reward.When writing the essay, don't be lazy. There are rules that state how the essay must be written and what sort of format must be used. It is critical that you follow these rules to ensure your essay is thorough and well-written. A poor essay may lead to rejection from the test.One mistake most people make when writing a great student essay is writing it in an unusual way. Try and use different styles in the essay. Use colloquial or slang language in the first paragraph. Do this so the reader can identify with the student. Make sure to use high-quality grammar and spellings.Something else you should always remember when writing a student essay is that the essay must clearly express the student's position on the subject matter. Check the grammar and punctuation of your essay and use good spellings. The errors will give the essay a bad reputation. The essay should also stand alone on its own. The student needs to be able to show they have something unique and very special to offer.If you don't follow these rules, you will have no chance of passing your students homework. Students are not looking for someone to protect them. They are looking for someone who will help them by providing them with information they need. People who want to make a quick buck will likely try to trick you into writing an essay they can use against you in a future test.The essay should be very logical, so that the student can present the facts. There is no reason to write off information that does not fit with the opinion you've written down. Always use proper gram mar and spelling. If you mess up any of the information the reader will know, you have already lost the essay before they even get to the first paragraph.Students will use the essay for a variety of reasons. This can be for credit toward their career or school or simply for personal satisfaction. Whether it is for school or personal satisfaction the essay should be a true reflection of the student. It is important to realize that the essay must be written from the student's point of view.Focus on the main issue of the essay. Some of the topics you may consider include; income, responsibility, patriotism, and sex. The topics can change according to the student's specific needs. Many schools use essay samples in various forms. They can be put on campus, in computer software, or printed for use in class.

Essay How Romantic Was William Blake - 1517 Words

The time period typically associated with the Romantic Poets and writers was one of the most turbulent to hit Europe ever. With the French Revolution sweeping the fields of Alsace, Lorraine and beyond, most monarchs, including those in England were wary of the new notions that were becoming common place among the commoners. Not since the Reformation of the 16th century was the continent in more turmoil. Yet with this build up of angst came a fertile bed for a new style of writing to grow in. This new style embraced many things that were ignored for one reason or another in the previous period of writing among the Augustans. To generalize, but not trying to be an idiot, one would have to attribute a heightened sense of nature to the†¦show more content†¦The aforementioned characteristics are what are generally associated with Romantic. However, there must be more than a simple synopsis in an attempt to define what the Romantics were all about. The official definition a s seen in the Oxford English Dictionary is, Of a fabulous or fictitious character; having no foundation in fact (OED def 2). Now if in keeping with this definition, are we to assume that the Romantic writers were writing works that had no basis in real life and fact and only on fuzzy-minded ideals? This does not seem to be the case at all. Actually the opposite is probably the case. The Romantics used what they saw in life and nature to symbolize what they felt themselves. In this way, they could create elaborate metaphors and link seemingly incongruent things to each other. As Perkins states in the General Introduction, [t]he illusion was that in lyrics one heard not a fictional, but a real person speaking on a real occasion...in reading a lyric, was the speakers inner life, his or her mind or emotion (Perkins 13). In this manner, Romantics were able to convey their emotions and feelings through a third person or narrator. 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Manager’s Behavior in Choice of Costing System †Free Samples

Question: Discuss about the Managers Behavior in Choice of Costing System. Answer: Introduction The business and commercial organizational structures have undergone huge dynamics, changes, modifications and transformation in an international framework. With the increasing complexities and variability in the construct of the businesses and the commercial operations, the commercial activities have also undergone substantial changes and newer methods, activities have emerged in the scenario, and many of them have gained significant importance, to the extent of becoming indispensible in the current day business operations. Accounting, especiallycost accounting system or costing system, as a necessary business activity has gained immense importance among the businesses all over the world with time (Bumey, Henle Widener, 2009). The costing system of a commercial enterprise, refers to the framework or the mechanism which used by the management of the concerned organization, in order to measure the cost of production and other business activities that are undertaken by the concerned organization. This system, therefore, also takes into account the profitability of the firm in the short run as well as in the long run, the management of stocks and inventories as well as the analysis of cost controlling and designing of cost effective ways of production (Kokubu, 2013). As an accounting process, the costing system involves collection of information regarding the cost of operating a business including the cost of production, analyzing and classifying these costs and analyzing the costs and ways to make the process more cost effective. A robust costing system has the primary objective to make the commercial activities more efficient and to increase the prospects of the commercial enterprise. Therefore, cost accounting, as a professional practice, is one of the mechanisms to be undertaken with great importance on part of the managers. There are different types of cost accounting or costing systems, which vary according to the mechanisms, the nature of the participants, the types of business and the business structures. Among the different costing systems, which is chosen for a particular commercial enterprise depends primarily on the manager of the concerned enterprise and the behavior and working mechanism of the manager and his or her perception regarding the business activities and the market in which the organization is operating. The assignment takes into this aspect of the behavioral patterns of the managers regarding the costing systems they undertake in the business operations, the factors influencing their decisions and the problems encountered in this process (Lau Moser, 2008). Evolution of the costing system: As discussed above, the costing system of the commercial enterprises has evolved over the years, adapting to the new dynamics, complexities and changes in the way of doing business across the world. Initially at the time of its emergence, the costing system refered to the simple accounting of the costs, incurred in the productive activities of the firms. However, as the nature of business went on changing the costing system also evolved and various new methods came into existence, which were designed according to the needs felt in the commercial enterprise. Costing systems such as process costing, job costing, absorption costing and others started to come into existence (Fleischman Parker, 2017). Traditional Costing System versus Activity Based Costing: The different forms of costing can be broadly simplified and divided into two types of costing system, the traditional and the activity based costing system. Traditional Costing System- in this form of costing mechanism, the costs are simply assigned to the goods and services produced, on the basis of an average rate of overhead cost. This method of costing system is extremely simplified and it equally allocates all the indirect cost of production using one driver of cost, which is generally the machines hours. However, this over-simplification though makes this costing system easy to use, but raises a question on the accuracy of such costing system (Sarokolaei et al., 2012). Activity Based Costing System- In this costing framework, costs are assigned individually to all the activities that are being performed in a particular enterprise and based on these assigned costs to each activity, the cost of production is then determined. The nature of this type of costing system, though being a bit complicated and time taking than the previous one, the activity basedcost accounting is more accurate than its traditional counterpart (Elhamma Zhang, 2013). Research Question: In the above context, the primary question of concern, which will be dealt with in this assignment, is the role of the manager and the behavior and the perception of the manager in the choice of an appropriate costing system for the commercial enterprise he is associated with. The underlying notion is to analyze the efficiency of the costing systems in the light of the theoretical as well as the empirical framework and to find out the limitations and the scope of improvements in those areas. An extensive narrative literature review regarding the aspects discussed above is included in the following section of the assignment. Literature Review: Costing system, as an essential management activity in any commercial enterprise, has been in practice for quite some decades, like any other business activity, has evolved a lot in its course, and has changed a lot with the incorporation of more and more complexities and dynamism in the business framework in the global scenario as a whole. There has been a lot of research and scholarly works on this aspect. In the scholarly work of Drury, (2013), talks extensively about cost accounting as a method of immense importance which helps in augmenting the productivity and the overall performances of the commercial enterprises. The author asserts about the importance of costing system as a process to be incorporated by the management of the commercial enterprise. The paper, takes into account the path of evolution of the costing system in the history of dynamics of commercial enterprises. However, the domain of venture of this paper is limited, as it does not focus extensively on the types and the changes in the costing system and the adaptability of different types of costing systems in different businesses according to the need and the structures of such systems. In this context, a more comprehensive and detailed explanation of costing system of cost accounting system and their types have been put forward by Ku?dowicz Ku?dowicz, (2012), in their research paper. The paper primarily talks about the variations in the different types of costing process, which arises mainly due to the differences in the time horizons and the scope of accounting. The different needs of the various participants and stakeholders in one business activity, there may be more than one type of costing systems present in the same enterprise, which may lead to the creation of divergence in the result, and misinterpretation of the costs accounted. This in its turn may have adverse effects on the decision making regarding the business activities of the firms. Thus, this paper, mainly focuses on the problems of using different costing systems simultaneously. Issues in costing system: As is primarily asserted by Ku?dowicz Ku?dowicz, (2012), there are several issues of concern regarding the choice and the operating mechanism of the costing system of any commercial enterprise. A lot of the prospects and the proficiency of the commercial enterprise, depends on the efficiency in the decision making process of the stakeholders of the same, regarding the financial and the non-financial aspects and how the enterprise should operate. In this regard, Rankin et al., (2012), in their extensive works, suggest that the decision making of the managers and the other stakeholders of an enterprise, is in turn highly influenced by the information (both financial as well as non-financial) available to them, regarding the performance and the operations of the concerned commercial enterprise. The paper, thus asserts that to provide inclusive, appropriate and timely information to the stakeholders, it is necessary to choose a proper costing system as it plays a significant role in the financial accounting of the enterprise. Therefore, the main hurdle in this context, as suggested by the authors is the proper choice of a costing system, usually by the manager of an enterprise, which is expected to fulfill the requirements of all the stakeholders. Positive and Normative Accounting Theory: In constructing any business operation system, it is of utmost importance to have a robust theoretical background. Accounting too, like any other professional operational framework, have theoretical frameworks, based on which the operations are constructed, including the costing mechanisms, which is the issue of concern in this assignment. Gaffikin, (2007), in this context, shows the massive change that has been experienced in the accounting approach pre and posts the 1970s. As the author suggests, post 1970, the mainstream accounting has shifted from the normative form to the positive form. In simpler words, earlier accounting practices were mainly based on the normative aspects, which mainly dealt with the question of what should be. However, with time and with the increase in the importance of the empirical data and the insights provided by them, it was realized that making the business and accounting operations on the basis of these existing data evidenced will be more beneficial than simply relying on a rigid normative framework (Bonin, 2013). These arguments are also supported by the paper of Deegan, (2014), who discusses the characteristics of the positive accounting theory and its prospects in details, keeping into consideration, the implications of such theory on the managers choice of the cost accounting theories. As the author argues, unlike the normative approach, the positive accounting theory, is a rational ad reality-based approach which takes into account the empirical data evidences regarding a particular aspect and based on the same designs the methods of operation and the decisions relevant in that aspect. The aim of such theoretical construct is to examine, describe, explain a situation and then based on that embark in controlling the situation. This indirectly indicates towards the importance of the managers perception of the business situations, in decision making, which also includes the decision regarding which costing system will be appropriate for the efficient working of the commercial enterprise (Set yorini Ishak, 2012). Managers choice of costing system: As has been seen from the above discussed scholarly works, it is evident that the choice of costing system in an enterprise, primarily depends on the manager of the concerned enterprise, his behavior and perception towards the business activities, the market in which his enterprise is operating and the requirements of information for himself and the stakeholders. Shields Young, (1989) takes into account this behavioral aspect of the manager in his or her choice of the cost accounting system. According to the authors, based on the perception of the managerial section of any commercial enterprise, the costing management systems are incorporated. In their paper, the authors look into the factors which primarily determine the choice of the costing systems by the managers. Factors affecting the choice of the managers: The assertions made above, are also supported by the works of Luther Sartawi, (2011), who in turn zero down to several key factor influencing the managers choice of the costing system for their commercial enterprises. According to the authors, the primary factors influencing the choice are the perception of the managers regarding which arenas in the commercial activities are more crucial, what information are absolutely necessary for taking efficient and prospective business decisions, whom the business caters to and who are the primary stakeholders of the business operations. Based on these primary factors and also based on the perception of the managers regarding the nature of operation of their concerned commercial enterprise, the managers often choose one particular costing system which they find inclusive as well as comprehensible and efficient (Ismail King, 2014). However, depending upon the situation, the requirements of information among the different stakeholders and perso nal perceptions, the managers may often choose to use more than one costing system for efficient cost management and information dissipation in the commercial enterprise. Activity Based Costing System: In the context of the above discussion, the following section reviews the implications of the significant costing systems, which came into existence to fulfill the gaps in the traditional costing systems and which were a byproduct of the needs and perceptions of the managers of different commercial enterprise across the world. One such unique cost accounting system can be named as the activity based costing system. As can be seen from the research paper of Chea, (2011), the traditional costing systems, which were used and were to some extent also applicable in the previous business scenarios, started showing several severe flaws with time, especially due to the increase in the complexity, interconnectivity and global exposure of the commercial activities. The overtly simplified method, as suggested by the author, created distortions regarding the modern manufacturing costs and especially in case of services. This gave rise to a need among the managers, of a wholesome and more appropriate costing mechanism, which would not only be an efficient as well as easy way of accounting for costs, but will also incorporate accurately the different costs of production which the traditional methods could not undertake. Pierce Brown, (2006), while comparing the traditional and the activity based costing systems, from the perspective of a manager, looks into the benefits of implementing such costing systems, as perceived by the managers in general. According to the authors, this type of cost accounting empowers the managers to see the costing as well as the overall purview of the business from many different perspectives. In this cost accounting framework, the costing can be seen with respect to individual or group of products, individual customer or clientele as a whole and also with respect to the channel of distribution. As is argue in the paper, seen from any perspective, the method enables the managers to get a close view of the financial and costing situations of the enterprise (Rajabi Dabiri, 2012). Therefore, as this paper asserts, the ability of the managers to compare the profits on the basis of customers, products and regions, with the help of the activity based costing mechanism has mad e this costing system one of the recent favorites of the manager across the globe. Limitations of the Activity Based Costing Procedure: Though this costing system has gained immense popularity among the contemporary business participants, not all the managers are in favor of this particular method of costing management. As has been put forward by Fennema, Rich Krumwiede,(2005), this method of costing, assigning individual costs to each and every business activities of the commercial enterprise, becomes highly related to the evaluation and the compensations of the managers of the concerned commercial enterprises. There is another severe problem with this costing system. Due to the nature of this kind of costing system, it tends to assign costs in different proportions to the different sectors of the same business, unlike that of the traditional costing systems, depending upon their profitability and efficiency. As a result, it creates distortions in assessing, as some parts of the concerned enterprise appear to be more profitable than the other apparently. These distortions often lead to wrong interpretations of the information, by the managers, thereby leading them to take non-efficient and less foresighted decisions regarding the future path of the business operations. This in its turn may have negative implications on the prospects of the concerned enterprise (Schulze, Seuring Ewering, 2012). Tackling the problem: As can be seen from the reviews of the relevant literatures available in the aspect of the managers behavior in the choice of the appropriate costing system, the primary problem regarding this issue is the varied nature of the perceptions of the managers, regarding the need and the method of operations of the enterprise. Managers, being human beings, differ in their opinions hugely as each of them has a unique way of thinking and perceiving. This in its turn, induces them to choose the costing mechanism, which they think are fit for the organization (Zimmerman Yahya-Zadeh, 2011). The costing mechanisms, in their turn are varied in nature, some emphasizing on the job sector (job accounting), where the different employees and their nature of work and wages are taken into consideration, while some opt for process cost accounting, where the cost information are collected and interpreted according to the steps in the production process (Vanderbeck, 2012). Some managers are in favor of the traditional costing systems, which provide an easy way of cost accounting, by taking the average overhead costing method, while many more resort to activity based costing systems, which incorporate the assigned cost to every business activities in the commercial enterprise. Many a times the managers also resort to more than one costing system for the same business activity at the same time, feeling the need to cater to different stakeholders as per their requirements. Thus, the primary problem, which arises out of this, is the problem of variability and distortions in the cost accounting, which gives rise to confusions regarding which method to choose and what decisions to take to improve the prospects of the concerned enterprises. To deal with this situation, it is of immense importance to construct one robust costing mechanism, which will take into account more or less all the perspectives and aspects of the business activities of the commercial organizations and cater to the requirements of all the stakeholder simultaneously. The factors base on which the behavior of the managers regarding the choice of costing systems should also be taken into account and studies in details, in order to design such a costing mechanism, which is all inclusive, easily comprehendible, robust and timely (Bebbington, Unerman O'Dwyer, 2014). Conclusion: It can be concluded from the above discussion, that with the changes in the dynamics of the global business scenario, the business activities are also changing fast and to keep up with the pace of the highly competitive global business environment, it is of utmost importance on part of the commercial enterprises to choose an appropriate costing system. The choice of such systems are in turn dependant to a considerable extent on the behavior and the perception of the managers as much of the decision makings, regarding the productive and the overall business activities are done by them. Therefore, it is of immense importance to take into account the factors, which determine these behaviors, and to design an inclusive costing mechanism on the basis of those findings. References Bebbington, J., Unerman, J., O'Dwyer, B. (Eds.). (2014).Sustainability accounting and accountability. Routledge. Bonin, H. (2013).Generational accounting: theory and application. Springer Science Business Media. Bumey, L. L., Henle, C. A., Widener, S. K. (2009). A path model examining the relations among strategic performance measurement system characteristics, organizational justice, and extra- and in-role performance. Accounting, Organizations and Society, 34, 305-321. Chea, A. (2011). 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Corporate social and environmental disclosure: A positive accounting theory view point.International Journal of Business and Social Science,3(9). Shields, M. D., Young, S. M. (1989). A behavioral model for implementing cost management systems.Journal of Cost management,3(4), 17-27. Vanderbeck, E. J. (2012).Principles of cost accounting. Cengage Learning. Zimmerman, J. L., Yahya-Zadeh, M. (2011). Accounting for decision making and control.Issues in Accounting Education,26(1), 258-259.