Overpopulation Unemployment and Possible Solutions Free Essays

To Thi Thu Huong Writing task 2 THE WOLD IS EXPERIENCING A DRAMATIC INCREASE IN POPULATION. THIS IS CAUSING PROBLEMS NOT ONLY FOR POOR, UNDERDEVELOPED COUNTRIES, BUT ALSO FOR INDUSTRIALIZED AND DEVELOPING NATIONS. Portray SOME OF THE PROBLEMS THAT OVERPOPULATION CAUSES AND SUGGEST AT LEAST ONE POSSIBLE SOLUTION. We will compose a custom article test on Overpopulation: Unemployment and Possible Solutions or on the other hand any comparative theme just for you Request Now Because of ongoing improvement in social insurance framework just as the financial development, the populace is expanding quicker and quicker. This is laying an overwhelming weight on the economy, society and condition of both progressed and creating countries. In this exposition, I’m going to investigate the primary issues brought about by congestion and recommend some potential arrangements. In the first place, overpopulation keeps an eye on log jam the economy since it makes a deficiency of open products, for example, power and water gracefully, and so forth which rely upon the administration assignment. Thus, the specialists, particularly in poor nations need to apply for high-intrigue advances from abroad to fill in the spending shortage. Therefore, those nations are attempting to reimburse the drawn out outside obligations and unfit to get away from the endless loop of destitution. Second, there is a lot of difficulties for the general public with such a large number of individuals. For instance, the valuation for joblessness rates will cause awful effects on social government assistance; and the instruction and human services framework will be unable to address the issues of the general population. Likewise, the network will be experienced serious yearning, considerable crime percentages and insecure politic circumstance. In addition, when the planet becomes progressively busy, the earth is additionally undermined. Alongside the serious cultivating and industrialization to satisfy the shortage of the additional inhabitants, there will be more sewage, excess manure and pesticide, and fumes exhaust that contaminate the water the land the air. Likewise, the misuse of regular assets will deplete the earth’s store to the point that it can no longer gracefully for our life. In the end, what anticipates mankind is an eventual fate of self destruction. Luckily, there are some potential answers for those issues. The legislature can elevate open private arrangement to manage the requirements for open merchandise. An expansion in tax assessment and industry speculation will settle numerous social and economy inconveniences, for example, joblessness and spending insufficiency. We additionally need stricter guidelines on asset utilization and poison emanation. Simultaneously, an emphasis on early instruction will help loosen the bunch of overpopulation from the root. The more evolved countries and universal foundations should help the immature nations by giving more ODAs and FDIs just as setting up consultancy committees. To sum up, overpopulation is currently an overall wonder that is trailed by many negative financial, social and ecological effects. Be that as it may, those troubles can be overwhelmed with the endeavors of both the legislature and the person. Step by step instructions to refer to Overpopulation: Unemployment and Possible Solutions, Essay models

Case study Example | Topics and Well Written Essays - 250 words - 88

Contextual investigation Example The task will additionally result in the region’s framework create just as increment exchanging exercises. As indicated by the hypothesis of utilitarianism, a demonstration ought to be delegated indecent just if its outcomes are serious to the point that individuals would wish the specialist of that activity obliged to act in any case (Hinman 142). Notwithstanding its impacts on nature, the positive results of this undertaking exceed the negative outcomes for the most part because of its monetary hugeness to the locale. Notwithstanding the above large scale issues, a few small scale issues also ought to likewise be thought of. Putting resources into this undertaking includes both cash and time and getting comes back from these two ventures will be huge to individual satisfaction, as indicated by the hypothesis of eudemonia, which expresses that a definitive objective of human life is joy and acceptable life. This objective can be accomplished by rehearsing ideals in one’s day by day life and is characterized as a quality that permits an individual to prevail at a thought (Hinman 145). In this sense, the venture is suggested as long as it guarantees individual bliss. The speculation ought to consequently be actualized as the two hypotheses support

Lessons Learned in the First 12 Months of Being a Startup CEO

Lessons Learned in the First 12 Months of Being a Startup CEO “It’s fine to celebrate success but it is more important to heed the lessons of failure.” â€" Bill Gates © Shutterstock.com | lenetstanIn this article, we will look at 1) personal lessons, 2) product and marketing lessons, 3) operational lessons, and 4) hiring lessons.PERSONAL LESSONS LEARNED WHEN BEING A STARTUP CEOMike Evans, co-founder of the internet-based food ordering website Grubhub.com highlights his main misconceptions as a first-time entrepreneur. One of which is:1. Your Time Is Not Free.At the beginning of any new venture, the entrepreneur usually spends a lot of time doing most of the work herself. This often means product development and design, market analysis, selling, marketing and all the financials. Whatever needs to be done is done and this translates into long work hours. All this is done for no cost at all. More than money, the cost here is opportunity. When there is an attempt to complete everything with little or no prioritization, then there is the ever present danger of letting important, value-adding tasks slip through the cracks. Evans suggests looking at you r time a bit differently.“Because it is so hard to get a comprehensive prioritization of tasks in a startup company, I usually ask a few short cut questions. If my time cost me $500 per hour, would I be doing this task? Can I get that hour back in profit?”, says Evans.These questions can help a startup CEO spend her time where it matters most.Martina Iring, a small business marketing consultant also shares her top lessons from her first year as an entrepreneur. She says:   2. Be Prepared for Ups and Downs.Many first-time CEOS who are entrepreneurs look forward to the freedom that comes with being their own boss. This is not as easy a situation as it appears to be. There are many days full of downs when it is hard to stay motivated and where it becomes difficult to live with instability and insecurity. The fun and excitement of entrepreneurship takes a backseat and there can be a sense of being overwhelmed. This feeling is part of the package, however. Iring remains positive,“T here will be ups and downs in all things in life. It doesn’t mean you should give up or that you made the wrong decision. You probably just need  a little extra TLC. The upswing is right around the corner.”3. It Will Take Longer Than You Plan For.Another common mistake made by entrepreneurs is the assumption that once the business is set up, things will move quickly and the company will be ready to go. Often, the time assumption is downright naïve because setting up a business requires a lot of work, and a lot of unforeseen issues and problems can crop up unexpectedly. Something new always needs to be addressed and handled. There is no timeframe that can be applied generically, but every entrepreneur needs to make a realistic time estimation based on their industry and its peculiarities.4. Be Prepared to Spend More Money.As with the incorrect assumption of time, there is a tendency to overestimate when the cash will start flowing in. Even if the business is up and running and p roduct sales start picking up steam, there are expenses that will crop up and need to be managed. Most often however, it takes time for the product to become known and for sales to grow. Therefore, it is important for the entrepreneur to have contingency plans in place to manage finances in difficult times.5. It Will Require More Smarts Than You Anticipate.A new CEO is required to perform many different roles and wear as many different hats. There will be a need to think on your feet, learn on the go and acquire new skills every day. All sorts of new abilities will be picked up and more boundaries will be pushed than were ever thought possible. This learning process needs to be anticipated and embraced right off so all the necessary information is absorbed and used effectively.Another entrepreneur, Larry Kim, is the CTO and founder of WordStream. He shares his five reality checks as a founder. 6. You Are Not Really Your Own Boss.Kim says that if you take on investors, you will not r eally be as in control of your company as you want to be. Without investors, your customers are your ultimate boss. These customers may be a whole lot more demanding than a traditional boss ever can be. Ultimately, there may end up being less freedom and a lot more responsibility in a startup business as compared to traditional employment.7. You May Not Get to Do More of What You Are Good At.An entrepreneur may get into a business because of her passion and interest. But with the launch of the business, there is an influx of other activities that need to be done and there may be a need to find other people to do tasks better than she can. The most enjoyed hobby can become tedious when it becomes full-time work and a livelihood. Eventually, the entrepreneur needs to make herself redundant by building a strong team and helping them grow and develop.8. You Always Have Something to Lose.When an entrepreneur sets out to create a business, there is always the threat of failure, as somethi ng like 80 percent of all businesses fail in the first year. To reach success, the business has to make a splash and become known. This means that a possible failure will also be immensely public and can often bruise the entrepreneur’s pride. To avoid this feeling of shattered ego, it is important to stay as positive as possible and ignore those who are discouraging and looking for you to fail.9. Turning the Dream to Reality Is Indescribable.One positive lesson cited by Larry Kim is the feeling of watching your dream become a reality. He says,“I greatly underestimated just how awesome it really is to show up at work and watch your company grow over time, and to watch the dream become a reality.”The overwhelming experiences of a first office, the first team celebration for an achievement, an industry award or happy customers are difficult to anticipate.PRODUCT AND MARKETING LESSONS LEARNED WHEN BEING A STARTUP CEOMike Evans also has lessons for the product and marketing aspects of a startup. Some of these are:1. All Ideas Do Not Need to Be Kept Secret.Often, entrepreneurs are excessively paranoid about a new, seemingly unique idea being stolen by competitors while it is being developed. This paranoid mindset can continue well into a mature growth stage. However, if the concept is sound and the management team competent, it is better to focus on achieving success through competitive differentiation than a lot of secrecy. A product idea is only made better when it is closely scrutinized and studied, especially by those that make up the target market. So at the design stage, it is necessary to have the product go through a period of trial and error which cannot be done when secrecy is the foremost concern.2. Not everything is about Speed.With a new idea, entrepreneurs are often tempted to run with it to ensure that their customer base is secured before everyone else. This problem crops up every time a new opportunity is explored. The idea behind the urgency is that once the customer is in hand, they will be kept in hand. However, this is not always the case. True customer loyalty, the kind that is long-term, comes from the quality being offered rather than how fast a product was offered. It is the best that wins, not the first. So take the time to develop the right product tailored to directly serve a customer need, and you will be in a better position for long-term and sustainable success.Entrepreneur Nathan Beckord shares his experience as a first-time startup CEO. 3. Identifying Customer Needs Is Just the Beginning.Though the process of identifying customer needs and creating things that people want is imperative to a successful product, this element is just one part of the entire picture. The other big chunk is to eliminate the many possible barriers to adoption that may exist. As the product goes through the trial and error process as well as different iterations, these barriers are better identified and addressed, helping to crea te a product with the potential for long-term and sustainable success. This is not a one-time activity, but an ongoing process.4. No One Will Care in the Beginning.Beckord believes that an entire generation of entrepreneurs has the mistaken belief that a great product will market itself. This is not true in most cases, and is definitely not the norm. Even the best startups need to make the effort to create an interest and noise in the market to get the right attention. There may be an initial spike of interest, but this is often short lived and needs sustained effort to continue.5. Everyone Needs Early Evangelists.Brian Chesky of AirBnB says, “It is better to build something that 100 people love than 1 million kind of like.” This is why all startups benefit greatly from spending time and effort to create an initial group of super users or champions. These early adopters tend to be passionate about the product or service and are more likely to tell others and give necessary and v ital feedback on the product’s performance. An additional benefit is that their enthusiasm can act as a motivator for an entrepreneur who has been facing issues and negativity from other channels.6. Not Everyone Will Like What You Are Offering.There is every possibility that some people will never like what you are selling. These can often be those people that you really want on board but just will not see eye to eye. This rejection can take some time to accept. The need to win these people over can consume an entrepreneur and turn into an obsession. According to Beckord,“Ive now come to realize that although persistence is indeed a critical trait for entrepreneurs, at some point it’s time to recognize when a deals not going to happen. In short, don’t let ‘Deal OCD’ become a detriment to your overall business.”7. Sell More Than the Product; Sell What Users Can Do with It.A philosophy espoused by Steve Jobs is that it is important to highlight the benefits that can be p rovided by the product rather than the features that it has. People may not be able to relate to a list of features, and may not be able to recognize how these apply to their lives. But with benefits, everything offered can become relatable when pitched to the right segment of the market.8. Building Products Is Fun.Product development can be an extremely exciting and rewarding area, much more so than is often expected by those entrepreneurs who don’t usually work on the product exclusively. The entire process from the idea, prototype, feedback, design, build, launch, feedback to the final iteration is extremely rewarding and very gratifying. OPERATIONAL LESSONS LEARNED WHEN BEING A STARTUP CEO1. You Always Have Competition.Evans believes that it is a difficult practical task to identify individual companies that are in competition with your business. Direct competitors often seem less threatening because the customer base appears to be big enough for everyone to be able to functio n successfully. This is a narrow view of the competitive arena and can land the company into trouble. Instead, a more realistic competitor analysis will look at all companies and products in competition for the customer’s money.2. You Are Not Smarter Than Others.Often, an entrepreneur may have the mistaken notion that she is better than all the others out in the market. The customer however, will not automatically rank one company over the other based on assumed smartness. Instead, it is vision, organization, patience, passion, discipline and humility that are drivers of success.3. Online Knowledge Can Be Invaluable.It is never a good idea to assume that you have all the knowledge needed to become successful. Constant research and knowledge gathering can be an invaluable asset for the company and the CEO. The first source of this information can be the internet, where there is a variety of diverse resources available, both free and for a fee. A busy day and a crammed schedule can make this seem like a useless activity, but it is extremely important to fit this into the plan.4. Use Professional Help Where Possible.A small business startup is often cash strapped and the startup team or entrepreneur is usually trying to handle all aspects of the business themselves. This do-it-yourself attitude can also come at a price. In the long run, the additional costs of hiring an accountant or a marketing professional will be balanced by the time, effort and energy you save to be diverted into other key tasks. HIRING LESSONS LEARNED WHEN BEING A STARTUP CEOJenn Steele is the Head of Growth at RecruitLoop, an online recruitment marketplace. She shares her insight into hiring lessons for startups. 1. Co-Founders Often Disagree on Who and What Is Needed.The only way to achieve unanimous decisions is to operate in a situation where there is one founder. Any more than one and there is bound to be a difference of opinion. This is to be expected and the entrepreneurs should be prepared to take the time to work out differences and reach an agreement.2. The Perfect Person Is a Myth.Since there is no perfect employee that will fulfill all criteria set by all those who are involved in hiring, it is necessary to be prepared to compromise on some aspects. Requirements can be broken down into good-to-haves and must-haves. Priorities may also shift once interviews begin and actual people are across the table.3. The Right Person Will Work for What You Can Pay.If you find a person that you really want to work for you, it is worthwhile to spend some time negotiating with them and hoping that they are also flexible. This can help reach an agreeable set of terms where both parties are satisfied and eager to work together. But it is also important to know when to let the candidate walk if their expected salary is just not making business sense.4. You May Not Need Management at the Beginning.Depending on the nature of the business, the first hires may be developers rath er than managers, or support staff rather than specialists. Middle managers and people focused solely on their own careers have no place in a startup environment. High-level strategists that can get stuff done or people who are great at contributing individually are actually needed most.5. Nothing Is Forever.Though you may think you have hired just the right people, you may have to rethink your decisions at a later stage. Perhaps the most qualified candidate is unable to fit into the culture you want to foster. The first people you hire may need to be let go as early as the first month or two. Despite this uncertainty, you can work with the right person for as long as possible to build the company.

Essay - 754 Words

Time: A week later Everyone has moved into the new house. It has been some-what calm for the time being. Life is challenging in a white man’s neighborhood. Beneatha has been heavily considering to move to Africa with Jospeh Asagai. The scene starts with Ruth and Walter quietly talking in the kitchen. Mama is in her room and Travis is outside playing. Beneatha will soon disrupt the silence as she opens and comes through the front door. Ruth (Coming out of the kitchen with Walter at her side) And where have you been? Beneatha With Asagai. (She says while opening the door) Its nice to get out of this judging white neighborhood every once and a while. Why do you care? (Slamming the door closed) Walter Mama has been needin talk to you all†¦show more content†¦Walter comes in singing and dancing into the kitchen while Ruth shoos him out in a loving manner. Walter heads to the table and this is where the scene starts. Ruth Dinner is served! (Yelling so the whole neighborhood knows) Travis (Running towards the table) I’m here! Gaalee it smells good! (Beneatha and Mama sit down) Ruth It sure do! Its not any normal mash potat...(Interrupted) Beneatha I want to move to Africa and I thought you guys should know. Feel free to give any feedback. (She says this so fast everyone is wondering if they heard her correctly) Walter Now dont go on bout going to Africa with that boy. This was and always will be some silly idea of a child. Im telling you. George Murchison aint bad! (Beneatha rolls her eyes at his comment) Ruth Now I think that if you love him you should consider it. I sure dont want you to be in Africa though. We gunna miss you like crazy Bennie! Beneatha I know. Thats why were discussing it right now. I really want to. I do love him, very much. (Mama stays quiet eating her food in silence) Travis Are you going to be dressed like when I walked in on you dancing that time? Beneatha (Laughing) Yes, Travis. It is the normal attire in Africa. Walter (Interrupting) I dont like the idea you gone be all the way out there. Ima worry bout you. Mama If she wants to go, she can. She is an adult and can make her own decisions. I dont like having my child somewhereShow MoreRelatedWhat Is an Essay?1440 Words   |  6 PagesBuscemi Essay #3 Rough Draft An essay is a creative written piece in which the author uses different styles such as diction, tone, pathos, ethos or logos to communicate a message to the reader using either a personal experience, filled with morals and parables, or a informative text filled with educational terms. Educational terms could mean the usage of complicated and elevated words or simply information you would get in schools. Some authors, such as Cynthia Ozick, claim that an essay has noRead Morenarrative essay1321 Words   |  6 PagesNarrative Essay A Brief Guide to Writing Narrative Essays Narrative writing tells a story. In essays the narrative writing could also be considered reflection or an exploration of the author s values told as a story. The author may remember his or her past, or a memorable person or event from that past, or even observe the present. When you re writing a narrative essay, loosen up. After all, you re basically just telling a story to someone, something you probably do every day in casual conversationRead MoreApplication Essay : A Process Essay770 Words   |  4 Pagesassign an essay. The entire class lets out a groan that could be heard from miles away, however this doesn’t phase your professor. The essay is assigned: a process essay. Now what? What is a process essay? How do you go about writing one? How do you get the A you so desperately need? This paper will discuss everything one needs to know in order to write the perfect process essay such as the definition of a process essay, how to construct it, and how to use proper transitions to make the essay flow. Read MoreEssay763 Words   |  4 PagesCan’t be Built on Soccer Fever† and â€Å"Na Na Na Na, Hey Hey, Goodbye† In Jonathan Zimmerman’s essay â€Å"African National Identities Can’t Be Built on Soccer Fever† he describes how soccer brings the people of Africa together. He talks about the unity of Africans and how much soccer is a part of their lives. He also describes the underlying reason of why soccer is so heavily pushed. The perspective in the essay â€Å"Na Na Na Na, Hey Hey, Goodbye† Tim Bowling discusses his passion for hockey and his hate forRead MoreThe Colonel Essay1320 Words   |  6 PagesIn the essay, The Colonel, Michael Hogan illustrates the importance of the influential sport of tennis. Hogan writes about how tennis changed his life from an early age. When he was younger he saw tennis as a rich mans sport in which he had no interest. One of his much-respected neighbors, the colonel, approached Hogan’s father with the idea that his son might like to learn how to play tennis. After pondering the thought with his father, Hogan decided to take t he offer. The Colonel became his mentorRead MorePersuasive Essays : Persuasive Essay897 Words   |  4 Pagesbegan this class, I loved to write persuasive essays. I loved to write about my own opinions and I was quite good at convincing people to agree with my stand points. To convince others to agree on my point of view was an extraordinary feeling. I am very good at getting my point across and giving my reasons on why I feel the way I do about a certain situation. I loved writing persuasive essays because I love to read them as well. I love how persuasive essays have a call-to-action; giving the readers aRead MoreEnglish Composition One: To Be an Essay or Not to Be an Essay That Is the Question910 Words   |  4 Pages In the past, the mention to have to write a paper for an assignment caused me to break out in a sweat or my mouth instantly dries, well it does not have that kind of effect on me anymore. The key to successfully completing the essay on time is getting to researc h the topic at hand as soon as possible or before the process of writing begins. The next step for me would be to find the argument and take a side. Moreover, picking a thesis statement through brainstorming the information I gathered forRead More Flight Essay834 Words   |  4 Pages Essay on quot;Flightquot; amp;#9;It is always hard to get separated from someone you love and with whom you have shared every moment of his life until he decides to walk on a different path than yours. You dont know how to react and confusion dominates your mind. Should you be angry at him for leaving you, or should you support and respect his decision ? In her essay quot;Flight,quot; Doris Lessing illustrates the story of an old man who is learning to let go his granddaughter as she growsRead MoreEssay and Academic Life1117 Words   |  5 Pageslanguage learner? Discuss two or three problems with specific examples and details. Ex. 9 Analyzing students’ essays. Use the assignment and the Student Essays to answer the following questions. Assignment: Computers have become an important part of educational process. Write convincing illustration to this statement. Use specific and convincing examples and details. Student Essay 1 Computer as a multipurpose universal instrument of education. In our days computers have become an importantRead More Community Essay843 Words   |  4 Pagesan important effect on the shaping of a person’s character is key in both Pythia Peay’s essay, â€Å"Soul Searching† and Winona LaDuke’s interview transcribed in essay form entitled, â€Å"Reclaiming Culture and the Land: Motherhood and the Politics of Sustaining Community†. The two authors present ideas, similar and different, of what it means to live in and be a part of community. Through examining these two essays, summarizing and synthesizing, we can gain a better understanding of what community is and

What Is Communication and How to Use It Effectively

Communication is the process of sending and receiving messages through verbal or nonverbal means, including speech, or oral communication; writing  and graphical representations (such as infographics, maps, and charts); and  signs,  signals, and behavior. More simply, communication is said to be the creation and exchange of meaning.   Media critic and theorist James Carey  defined communication as a symbolic process whereby reality is produced, maintained, repaired and transformed in his 1992 book Communication as Culture, positing that we define our reality via sharing our experience with others. All creatures on earth have developed means in which to convey their emotions and thoughts to one another. However, its the ability of humans to use words and language to transfer specific  meanings that sets them apart from the animal kingdom. Components of Communication To break it down, in any communication there is a sender and a receiver, a message, and interpretations of meaning on both ends. The receiver gives feedback to the sender of the message, both during the messages conveyance and afterward. Feedback signals can be verbal or nonverbal, such as nodding in agreement or looking away and sighing or other myriad gestures. Theres also the context of the message, the environment its given in, and potential for interference during its sending or receipt.   If the receiver can see the sender, he or she can obtain not only the messages contents but also nonverbal communication that the sender is giving off, from confidence to nervousness, professionalism to flippancy. If the receiver can hear the sender, he or she can also pick up cues from the senders tone of voice, such as emphasis and emotion.   Rhetorical Communication—The Written Form Another thing that sets humans apart from their animal cohabiters is our use of writing as a means of communication, which has been a part of the human experience for more than  5,000 years. In fact, the first essay — coincidentally about speaking effectively — is estimated to be from around the year 3,000 B.C., originating in Egypt, though it wasnt until much later that the general population was considered literate. Still, James C. McCroskey notes in An Introduction to Rhetorical Communication that texts like these are significant because they establish the historical fact that interest in rhetorical communication is nearly 5,000 years old. In fact, McCroskey posits that most ancient texts were written as instructions for communicating effectively, further emphasizing early civilizations value of furthering the practice. Through time this reliance has only grown, especially in the Internet age. Now, written or rhetorical communication is one of the favored and primary means of talking to one another — be it an instant message or a text, a Facebook post or a tweet. As Daniel Boorstin observed in Democracy and Its Discontents, the most important single change in human consciousness in the last century, and especially in the American consciousness, has been the multiplying of the means and forms of what we call communication. This is especially true in modern times with the advent of texting, e-mail, and social media as forms of communicating with others around the world. With more means of communication,  there are also  now even more ways to be misunderstood than ever. If a message contains just the written word (such as a text or email), the sender needs to be confident in its clarity, that it cannot be misinterpreted. Emails can often come off cold or clipped without that being the intention of the sender, for example, yet its not considered professional to have emoticons in formal communication to help convey  the proper meaning and context.  Ã‚   Before You Open Your Mouth or Hit Send Before preparing your message, whether its going to be in person one-on-one, in front of an audience, over the phone, or done in writing, consider the audience wholl be receiving your information, the context, and your means to convey it. What way will be the most effective? What will you have to do to ensure its conveyed properly? What do you want to make sure that you dont convey? If its important and going to be relayed in a professional context, maybe youll practice beforehand, prepare slides and graphics, and pick out professional attire so that your appearance or mannerisms dont distract from your  message. If its a written message youre preparing, youll likely want to proofread, make sure the recipients name is spelled correctly and read it aloud to find dropped words or clunky phrasing before sending it.

Fin Understanding Free Essays

Understanding the Concepts Professor Ingrain P. Nelson Fin 100 Introduction to Finance December 1, 2012 1. Imagine you are a small business owner. We will write a custom essay sample on Fin Understanding or any similar topic only for you Order Now Determine the financial ratios that are important to the business. Compare your ratios with those that are important to a manager of a larger corporation. As a business owner, financial understanding is something that has to be studied before you decide that you are going to open or even start a new business. Small businesses in general run the finance operations of their business in a different way than the larger corporations. Most of the small businesses must rely on the personal investors or personal resources to access money needed to be a successful business. It does not matter if it is a small business or a corporation; being a successful business depends on having the capability to make more than what is being paid out. Now that we have a little understanding of what it will take to start the business; we must have knowledge of the different types of ratios that will help us with this. The main three ratios that are used in the business world are the current ratio, total debt ratio, and profit margin. The current Asia is a measure of the company ability to pay off its short-term debt as it comes due (Melcher Norton). This ratio is computed by dividing the current assets by the current liabilities. Total debt ratio is Just what you think it is; the total amount of debt the company has. The total debt ratios are total debt or total liabilities of the business and divide it by the total assets. Profit margin is simply how much profits (money) is made during the operation or while the business was open if you had to close it down. Net income is divided by sales in order to show the profit. All of the three ratios are used to no matter how big or small your company seems to be. 2. Explain the advantages and disadvantages of debt financing and why an organization would choose to issue stocks rather than bonds to generate funds. If you run into the problem of the current ratio showing that you have the inability to cover the costs of the business then, debt financing may be the best solution for this problem. As we know with all financial options, there are some advantages and disadvantages of any company or business. The first advantage for debt financing is that it allows the menders or the owners of the company to maintain control and ownership of the company. A second advantage would be that the interest paid on the loan may be tax deductible depending on the type of loan. The best part is the lenders you borrow money from do not share in your profits. The main disadvantage is the risk of credit ratings getting ruined or filing for bankruptcy (Palaver, n. D. ) As an organization; they can choose to either issue stocks or bonds to help generate funds for the company. Most of the time they prefer to issue stocks over bonds. Stocks are a form of winnowers; they represent participation in a company’s growth (Investigated). A between investors and institutions that, in return for financing, will pay a premium for borrowing, known as a coupon (Investigated). When it comes to the obligation of repay the principle on the stocks you have none; now for the bond you must pay it on the date of maturity. The inertest of the bond has dividends, but the company only pays the dividends when the company makes a profit. The stocks have a fixed interest rate that has to be paid at a specific time. 3. Discuss how financial returns are related to risk. We know that how the returns work is the greater the risk the greater the returns. The more you invest the more you will get back in returns. The relationship between financial risk and return is the gain or the lost from investments or securities. Just because you have chosen to take a higher risk does not mean that your return will be as high as the risk you took. There are five factors of model investment risk shows risks in terms of credit risk, term risk, market risk, size risk, and price risk. The return on an investment can be measured by a real rate which is what is earned after inflation has been figured into the value. The market, size, and price factors are the link between risk and return (Risk and return are related – Wealth Foundations, n. D. ). Now the beta stock is one factor that will help to determine the risk. 4. Describe the concept of beta and how it is used. A stocks beta is the measure of an asset’s systematic risk and the relative risk (Melcher and Norton). Beta also measures the volatility or variability of an asset’s returns relative to the market portfolio (Melcher and Norton). The assets of the company are more volatile than the market. If the company has a greater systematic sis than the market then the betas are greater than 1. . Even though the total risk and the sum of systematic risks are all measured by beta, they are equal and they are all measured in different units. Total risk is measured in percentages and beta is unit less. The rules of how the beta works can be very easy to understand. The beta value will always be greater than 1 if a stocks price moves more than the stock market. If the value of the beta is less than 1, the stock market is moving more than the stocks price. Increased volatility of stock price equals higher risk for the investors ND a higher expected return, therefore betas over 1 are riskier. Betas under 1 are the exact opposite. These stocks have fewer risks, less volatility, and smaller overall returns. (Stock Beta and Volatility, n. D. ) 5. Contrast systematic and unsystematic risk. As mentioned in the above paragraphs, ownership of stock does not come without risks. The types of risks are categorized as systematic and unsystematic risks. The risks are very similar to each other; in that they are both affected by news and represent changes in a stocks return. The combination of these two risk types is noninsured the total risk. At this point is where the similarities between the two risks end. Systematic risks, also known as non-diversified risks, are common risks that affect all stock. This risk is the portion of an asset that can be linked to market factors that influence all firms (Marina, 2010). The market for the systematic risk is the news, such as hurricanes, war, or an increase in interest rates, that links with the investments of the company. When things like this happen the investors do not have control; and now this presents a higher risk for the stockholders. Now that the hysteretic risks cannot be mitigated through diversification, they require a risk reward for buying a risky stock. The risky premium is determined solely by the systematic risks of a security. In addition to the risk premium, stockholders expect high returns because of the high risks posed by systematic risks. (Weakened, Kismet, ; Skies, 2011) Unsystematic risks or diversified risks are independent risks that only affect a single company or industry. The risk indicates a portion of an asset that is related to random causes that are linked to firm-specific events (Marina, 2010). The types of unsystematic events are to be made by the company or the industry specific news. When a merger happens between two companies this is what falls into the unsystematic risk category. Also other industry factors and events such as labor unions, strikes, lawsuits, and marketing strategies are a unsystematic risk. The changes that happen resulting from the independent risks are unrelated across investments. If the company has one unsystematic event that may happen, this will not have an effect on the entire outcome of the portfolio. Since the risk was so low this meaner that the stock will not be able to receive a risk premium. They can, however, diversify their portfolio to eliminate unsystematic risks. The elimination of the risks lowers the return an investor can expect (Weakened, Kismet, ; Skies, 2011). 6. Imagine your manufacturing corporation has Just won a patent lawsuit. After attorney and other fees, your corporation will have about $1 million. Explain how you plan to invest the money in order to diversify the risk and receive a good return. Support your decisions with concepts learned in this course. If my manufacturing corporation has Just won a patent lawsuit, I would have to take advantage the financial concepts that I have learned in this class such as financial management, stock and bonds, and the financial risk. I would use these concepts in order to diversify the risk and receive a good return. I am not for sure as to how much was awarded before the attorney and other fees but, only about $1 million will remain. This money will be invested into different portfolios that would help to diversify the risks that I will be taken not that I have money to do that with. Taking about half of the money to invest in multiple companies that have the potential to row and I can see where it would grow. I would buy shares; this will give me the long term investments. How to cite Fin Understanding, Papers

Henri Toulouse Lautrec Example For Students

Henri Toulouse Lautrec Biography Biography Henri (Marie Raymond) de Toulouse-Lautrec (1864-1901) French painter and lithographer, born at Albi. Descended from an ancient family of southwest France, a fall from a horse broke his thighbones, and he was crippled. Left only 1.55 metres (61 inches) tall, he felt cut off from his family, sought refuge in art and went to Paris in 1882. There, in the cafà ©s and cabarets of Montmartre (e.g. the Moulin Rouge) he found the subjects for his pictures and drawings – dancers, singers and prostitutes – as well as circus and racecourse scenes. He shared the gay, grotesque, dissipated life of those he painted and developed a sympathetic insight into their character. The main influences on his style were Japanese woodcuts and the work of Degas. In the last decade of his life he mastered lithography and his work in that field had an important influence on the development of poster art.