Thursday, August 27, 2020

The Main Threat to the Modern Democracy

The entire world knows how genuinely the United States takes the recognition of the law. In any case, it doesn't imply that nothing undermines our vote based system and governmental issues. On the off chance that we are anxious to hold our field of being a majority rule express, all the regular folks ought to give a valiant effort to help the establishment of laws.Advertising We will compose a custom basic composing test on The Main Threat to the Modern Democracy explicitly for you for just $16.05 $11/page Learn More Thus, popular government is a collective work of state, legislators and normal individuals. That’s why all the individuals ought to play out their city obligation and know about the political circumstance in their nation. Voters’ indifference, ignorance and reliance on the broad communications sabotage the advanced state request. In any case, I consider falsehood that the broad communications and Internet give to undermine our vote based system more than th e ignorance of electorate. The issue of people’s absence of information about the contemporary circumstance in the legislative issues, government and law disturbs the faithful piece of society. An extraordinary open request made in 20/20 In Touch Should Some People Not Vote? stuns with the degree of voters’ urban instruction. It is referenced that â€Å"civic training is a fundamental part of political socialization† in Essentials of American and Texas Government: Roots and Reform (O’Connor 286). Nonetheless, those individuals are guided by different sources, for example, â€Å"demographic attributes, family, peers and the mass media† (O’Connor 286). Shockingly, these days, the broad communications influences the development of the politic assessment of the regular people a large portion of all. The Pew Research Center confirmed that the youngsters are more relied upon the broad communications and Internet (O’Connor 299). The realitie s examined there are exceptionally chosen and distorted. It would better for the advancement and improvement of our state request if TV shows make programs developing people’s information in essential community training. Voters’ ignorance in legislative issues resembles a sickness that can be dealt with. In any case, broad communications don't attempt to mend the general public. The news we get from those assets are quite certain and restricted. The genuine realities are illuminated from the perspective which is ideal for the press.Advertising Looking for basic composition on political theories? We should check whether we can support you! Get your first paper with 15% OFF Learn More Thus, individuals neglected to perceive Joe Biden, the current Vice President, and Ruth Bader Ginsburg, the Supreme Court’s Associate Justice, in 20/20 In Touch Should Some People Not Vote?. Nonetheless, they are attached to the live performance on the side of some government officia l. Popular performers propagandized individuals that they ought to have decided in favor of an individual about whom they knew nothing. Consequently, contemporary voters guided by broad communications simply rehash the musings promoted by present day famous people. They give their decision in favor of the applicant picked for them. The majority rule government implies that all the regular folks should communicate their own suppositions and settle on their own decisions. In this manner, individuals seem, by all accounts, to be denied of their entitlement to be free in casting a ballot. It is the best hit to the majority rules system. All these TV shows carry home to individuals exceptionally risky thoughts. The survey made in 20/20 In Touch Should Some People Not Vote? inspires blended thoughts. I had an inclination that this show was not expected to urge individuals to improve their municipal training, yet was planned to incite the remainder of the general public to consider those i ndividuals dishonorable democratic. In any case, we ought not overlook that the correspondence of rights ensures individuals to have a chance to cast a ballot. This privilege is expressed in our Constitution that is the base of our popular government. Hence, when press biases the key law, it makes the whole society step back of the law based way. Broad communications and Internet conflict with vote based system and control electorate denying them of their own politic supposition and even of their entitlement to cast a ballot. I consider that broad communications ought to furnish individuals with autonomous news to broaden their metro instruction. Works Cited O’Connor, Karen, Sabato, Larry J., and Alixandra B. Yanus. Fundamentals of American Government: Roots and Reform. 2009 ed. New York: Longman, 2009. Print. O’Connor, Karen, Sabato, Larry J., Yanus, Alixandra B., Gibson, L. Exhaust, and Clay Robison Essentials of American and Texas Government: Roots and Reform. 2011 fourth ed. New York: Longman, 2011. Print.Advertising We will compose a custom basic composing test on The Main Threat to the Modern Democracy explicitly for you for just $16.05 $11/page Learn More â€Å"Should Some People Not Vote?† 20/20 In Touch Webcast. ABC News. ABC, New York. 14 Oct. 2008. TV. This basic composition on The Main Threat to the Modern Democracy was composed and presented by client Fernando Zamora to help you with your own investigations. You are allowed to utilize it for exploration and reference purposes so as to compose your own paper; be that as it may, you should refer to it as needs be. You can give your paper here.

Saturday, August 22, 2020

How to Write an Easy Argumentative Essay Topic For High School Students

How to Write an Easy Argumentative Essay Topic For High School StudentsThe easiest way to write a well-written essay is to follow a list of easy argumentative essay topics for high school students. These topics provide the student with a list of a few topics they can tackle and they are easily adaptable to most types of writing.Essays can range from personal to general in scope. Students should be allowed to cover topics that interest them. Some examples of these topics include family, career, sports, relationships, faith, politics, and religion. They can include a personal view or one that is objective in nature.Essays can also be historical in nature. Historical essays can explore the evolution of a certain time or the entire society. These can vary greatly from those that are filled with knowledge of how history was previously set. Students should have enough information to write about but should also be able to relate it to a particular period of time.Essays on sports are among t he most popular, as well as research papers. This can include history, current events, sports, and general sports events. These types of essays can be adapted to almost any type of topic and help to present a more thorough and well-rounded picture of a certain era or period.College admissions essays are perhaps the most popular and easy arguments essay topics for high school students. Most students do not have the ability to cover topics that involve material in high school, and college admissions essays allow them to discuss topics that will be of great use to them once they are in college. Essays are also an easy way to portray themselves as intelligent and well-rounded students, especially when all that the student has to do is to bring something interesting to the table.History essays are often difficult to write, especially when dealing with any sort of historic piece of information, but they are easy argumentative essay topics for high school students to write. This can includ e the entirety of history in the past, or it can be just a certain period of time. It is a good idea to start out with smaller paragraphs in order to make sure that the information the student is presenting is truly worth including in the final document. Other good topics to write about include current events, world events, and ideas surrounding any given concept.Religious essays should be easy, particularly for students who have had the opportunity to discuss the topic at length. Christian students are often asked to write these types of essays, and they should have no problem doing so. They should have a complete and comprehensive idea of the topic at hand, which makes them the perfect subjects for these types of essays.Easy argumentative essay topics for high school students are important for them to write in a way that demonstrates their intelligence and maturity. These topics allow them to provide a more thorough and clear reading on what they are writing, and they can easily m ove on to write something else. Essays are also not difficult to write, especially if the student has a well-defined topic.

Friday, August 21, 2020

Colonialism and Imperialism - European Ideals in Heart of Darkness and

Emptiness of European Ideals Exposed in Heart of Darkness and The Hollow Men   Kurtz involves a particular situation in Conrad's Heart of Darkness and T.S. Eliot's The Hollow Men. Mr. Kurtz, he dead is the epigraph to The Hollow Men. Eliot attracts a conspicuous reference to Kurtz, the ethically empty man in Heart of Darkness. Left to his own gadgets, Kurtz submits shocking acts, for example, contracting human heads and performing horrendous penances. Kurtz is equipped with just the questionable feeling of good prevalence of his way of life and the longing to acculturate the locals (Dahl 34). This front rapidly disintegrates when confronted with the honorable yet savage ways offered by Africa. The disintegrating front just leaves an empty drained of wanted thoughts and ethics. This emptiness is the thing that Eliot expands on to build up his own concept of void. Kurtz is an adept case of the emptiness of European beliefs that Eliot needed to uncover. T.S. Eliot's The Hollow Men utilizes Conrad's Kurtz to implement the possibility of void found in contempora ry Western idea, on the grounds that Kurtz is a model European and speaks to the thoughts of the cutting edge Western Everyman.  Kurtz is a prototypal European scholar and resident. He is the result of hopeful, dynamic, and idealistic idea (Dahl 34). Kurtz is a Renaissance man, being an artist, a painter, a columnist, and an all inclusive virtuoso (71). So well does Kurtz play out the entirety of his obligations, Marlow never makes sense of Kurtz's actual occupation. Marlow can imagine Kurtz as a painter who composed for the papers just as a writer who could paint (71). Kurtz's all inclusive ability reaches out to the field of legislative issues, where he could have been a stunning pioneer of an extraordinary gathering, in reality of any gathering (71). Kurtz was profoundly regarded... ...rmany and later in Vietnam and Cambodia (Anderson 404). More then likely, Heart of Darkness was only a preface to the barbarities that could be submitted with the duration of European idea as it seemed to be. Eliot expressly says one of the topics to Part V is the current rot of Eastern Europe (Roessel 55). Eliot based on this topic of good void in The Hollow Men, by having Kurtz and his activities be illustrative of contemporary European idea.  Works Cited Anderson, Walter E. Heart of Darkness: The Sublime Spectacle. College of Toronto Quarterly 57(3) (1998): 404-421. Dahl, James C. Kurtz, Marlow, Conrad and the Human Heart of Darkness. Studies in the Literary Imagination 1(2) (1968): 33-40. Roessel, David. Fellow Fawkes Day and the Versailles Peace in 'The Hollow Men'. English Language Notes 28(1) (1990): 52-58.  Â

Tuesday, May 26, 2020

Google - 668 Words

Google mission and Business model Google mission statement is very simple and clear. â€Å"Google’s mission is to organize the world’s information and make it universally accessible and useful†. Their vision for google is to make the search engine commanding so that understand â€Å"everything in the world† (Google) Google’s business model is Business Model Canvas. This model provides key information on the strategy of Google’s business. Google who is recognized as one of the top leading technology company in the world and one of the most widespread search engines on the internet that is used by many. Because Google is one of the most widely used search engine which attracts advertisers to Google services in order for them to reach a higher†¦show more content†¦(Google) Leadership role of the Google members are those that are bubbled down through the organization, entrepreneurship, commitment, creativity and visionaries. This i s what make Google who they are today. Identify two examples of services or amenities that Google provides to its employees, interns, partners, and visitors. Google offers an attractive employee perk package to employees who are looking for employment with Google such as: †¢ Free food cooked by a company chef †¢ Access to company daycare facilities †¢ Exercise gyms These incentives are granted to employees to encourage with a stress free environment and allow a creativity atmosphere. These types of incentives helps with retention, and healthier life styles. The atmosphere that Google has created was well thought out plan when starting Google. They first understand what works in the workplace and how to run a successful business. They cultivate an environment for employees where they like their job and create loyalty, flexible, and transparency. With all the perks and benefits that are offered it inspires you to work hard, stay motivated and creates challenges. With all the incentives and freedom to work independently with very minimum supervision, along with human resources screening for the right candidate to come on board, only allows for their employees to be innovative, clear thinkers, and creative to continue moving the company inShow MoreRelatedGoogle s Objectives Of Google Essay1052 Words   |  5 Pagesanyone seeking information can access. Google has been focusing on providing the best user experience possible. Its key ingredients are relevance, comprehensiveness, freshness and speed providing users with best possible result. Google wants to have an improved infrastructure to make their engineers more productive. They want to expand the workforce for anticipated growth, expand further into international markets, and continue developing new products. Google wants to push their ad system since theyRead MoreGoogle s Model Of Google2329 Words   |  10 PagesIntroduction Google as one of the world most successful and secretive company in Internet industry growth rapidly from an unknown company to world famous company only take around 15 years. Google is an American company established on 1998 as a private company, they started to design and mange a search engine and explore the business for more areas. Google has variety of productsï ¼Å'such as Blogger, YouTube, Gmail, Google Map, and Google Earth. On 2004 Google stock was on the NASDAQ stock market, andRead MoreGoogle s Article On Google824 Words   |  4 Pagesis now what everyone on the planet calls  ¨Google ¨. One may even be reading this essay on Google software. Providing us with Google-powered operating systems from Gmail to driverless cars, it has given us unlimited access to almost anything we desire. The powerhouse makes our lives easier, however, it can also formulate unintelligence by destroying our memory, building our dependence upon it, and limiting our abilities that make us who we are. Google offers organized and complete access withoutRead MoreGoogle, The Founder Of Google Inc.1270 Words   |  6 PagesLarry Page and Sergey Brin are the founders of google. They first met at Stanford University in 1995 and in 1996 they built a search engine called â€Å"BackRub† that used links to determine the importance of individual webpages. After some rough draft brain storming, Larry and Sergey came up with the name Google for their search engine. Google Inc. was started in 1998, when co-founder Andy Bechtolsheim wrote a check for $100,000 to fund the company. Google went viral and public when it made its initialRead MoreGoogle2580 Words   |  11 PagesIntroduction Google is a company that specializes in internet search and online advertising, and an important player in the knowledge-based services industry. Since its very beginnings, this company has focused on innovation and new ways of doing things more efficiently and effectively, and it has paid off for it. Its Human Resources (HR) practices are no exception either. Under the motif â€Å"best place to work for†, Google has become one of the best employers to work for, and has won numerous awardsRead MoreGoogle Vs. Google Net Worth1168 Words   |  5 PagesGoogle is a very unique company to say the least. The company was founded by Sergey Mikhaylovich Brin and Lawrence Page, an American computer scientists and en-trepreneurs.The two friends met while attending Stanford University and created Google as their research project in 1996. Although the internet search engines existed before, this one was different. While the traditional search networks determined the page’s relevanc e based on the number of times that the search term was used on the site,Read MoreGoogle Analytics And Google Tag Manager1093 Words   |  5 PagesSummary - 2 - Access to Marketing and Website Assets - 2 - Objective - 2 - Website - 2 - Objective - 2 - Process - 2 - Google Analytics and Google Tag Manager - 3 - Objective - 3 - Process - 3 - adwords - 3 - Objective - 3 - Process: - 3 - Search Engine Optimisation (SEO) - 4 - Objective - 4 - Process: - 4 - Reporting - 5 - Objective - 5 - Proposed reports: - 5 - Appendix 1A: Google Analytics Screenshot - 6 - Appendix 2B: Digital Marketing Lead Generation Report - 7 - SUMMARY This report isRead MoreGoogle Essay1691 Words   |  7 PagesCase Study The rise of Google, now a $6.1 billion company, has been fast and fierce. Founders Sergey Brin and Larry Page met in 1995 as Stanford University graduate students. They created a search engine that combined the technologies of Pages PageRank system, which evaluates a pages importance based on the external links to it, and Erins Web crawler, which visits Web sites and records a summary of their content. Because Google was so effective, it quickly became the search engine of choice forRead More Google Essay1429 Words   |  6 PagesGoogle The name Googol was founded by a gentleman named Milton Sirotta. Mr. Sirotta was the nephew of an American mathematician named Edward Kasner (Google, 2004, 1) The company name Google was created in reference to the actual number googol which is represented by a number followed by 100 zeroes. The meaning behind the company’s name was to reflect the companies mission to organize immense amounts of information available on the web(Google, 1). In 1995 Google was created by two young men,Read MoreGoogle s Organizational Environment At Google Essay874 Words   |  4 PagesGoogle is a global corporate search engine, known for internet-related services, various advertisings, and products. Students of Stanford University, Larry Page and Sergey Brin founded Google in 1997. The fundamental driving force that shapes this company’s organizational environment at Google is, the innovative influence on the way society thinks, works and behaves. As well as the impact it provides on ed ucation, technical generations, and global businesses within the virtual world. Google Company

Friday, May 15, 2020

Wellesley College Acceptance Rate, SAT/ACT Scores

Wellesley College is a private womens liberal arts college with an acceptance rate of 20%. Founded in 1870, and one of the original Seven Sisters Colleges, Wellesley College is located in a beautiful town outside of Boston. Wellesley offers small classes taught exclusively by full-time faculty, and academic exchange programs with  Harvard  and  M.I.T.  The college boasts of a 7-to-1  student/faculty ratio, an average class size below 20, and a chapter of the prestigious  Phi Beta Kappa  Honor Society. Considering applying to this highly selective school? Here are the Wellesley College admissions statistics you should know. Acceptance Rate During the 2017-18 admissions cycle, Wellesley College had an acceptance rate of 20%. This means that for every 100 students who applied, 20 were admitted, making Wellesleys admissions process highly competitive. Admissions Statistics (2017-18) Number of Applicants 6,631 Percent Admitted 20% Percent Admitted Who Enrolled (Yield) 47% SAT Scores and Requirements Wellesley College requires that all applicants submit either SAT or ACT scores. During the 2017-18 admissions cycle, 66% of admitted students submitted SAT scores. SAT Range (Admitted Students) Section 25th Percentile 75th Percentile ERW 670 740 Math 660 780 ERW=Evidence-Based Reading and Writing This admissions data tells us that most of Wellesleys admitted students fall within the top 20% nationally on the SAT. For the evidence-based reading and writing section, 50% of students admitted to Wellesley College scored between 670 and 740, while 25% scored below 670 and 25% scored above 740. On the math section, 50% of admitted students scored between 660 and 780, while 25% scored below 660 and 25% scored above 780. Applicants with a composite SAT score of 1520 or higher will have particularly competitive chances at Wellesley. Requirements Wellesley does not require the SAT writing section or SAT Subject tests. Note that Wellesley participates in the scorechoice program, which means that the admissions office will consider your highest score from each individual section across all SAT test dates. ACT Scores and Requirements Wellesley College requires that all applicants submit either SAT or ACT scores. During the 2017-18 admissions cycle, 48% of admitted students submitted ACT scores. ACT Range (Admitted Students) Section 25th Percentile 75th Percentile English 32 35 Math 27 33 Composite 30 34 This admissions data tells us that most of Wellesleys admitted students fall within the top 7% nationally on the ACT. The middle 50% of students admitted to Wellesley received a composite ACT score between 30 and 34, while 25% scored above 34 and 25% scored below 30. Requirements Wellesley College participates in the scorechoice program, meaning that the admissions office will consider your highest score from each individual section across all ACT test dates. Wellesley does not require the ACT writing section. GPA Wellesley College does not provide data about admitted students high school GPAs. According to 2018 admissions statistics, 32% of admitted students provided class rank, and of those, 83% reported being in the top ten percent of their high school class. Self-Reported GPA/SAT/ACT Graph Wellesley College Applicants Self-Reported GPA/SAT/ACT Graph. Data courtesy of Cappex. The admissions data in the graph is self-reported by applicants to Wellesley College. GPAs are unweighted. Find out how you compare to accepted students, see the real-time graph, and calculate your chances of getting in  with a free Cappex account. Admissions Chances Wellesley College has a highly competitive admissions pool with a low acceptance rate and high average SAT/ACT scores. However, Wellesley also has a  holistic admissions  process involving other factors beyond your grades and test scores. A strong  application essay and Wellesley-specific essay, and  glowing letters of recommendation  can strengthen your application, as can participation in meaningful  extracurricular activities  and a  rigorous course schedule. The college is looking for students who will contribute to the campus community in meaningful ways, not just those who show promise in the classroom. While not required, Wellesley recommends optional  interviews  for interested applicants. Students with particularly compelling stories or achievements can still receive serious consideration even if their grades and scores are outside of Wellesleys average range. In the graph above, the blue and green dots represent accepted students, and you can see that most students who were accepted to Wellesley had averages of A- or higher, SAT scores (ERWM) above 1300, and ACT composite scores of 28 or better. Good numbers, however, arent all that is needed to get accepted. If you look at the red on the graph (rejected students), youll see that some students with high grades and test scores were rejected from Wellesley. If You Like Wellesley College, You May Also Like These Schools Mount HolyokeBrown UniversityTufts University  Boston CollegeYale UniversityBowdoin CollegeClaremont McKenna CollegePrinceton University All admissions data has been sourced from the National Center for Education Statistics and Wellesley College Undergraduate Admissions Office.

Wednesday, May 6, 2020

Symptoms And Treatment Of Bipolar Disorder - 963 Words

It seems every day that goes by we hear someone being labeled as bipolar or another celebrity is getting diagnosed as being bipolar after their spurts of erratic behavior. I had to ask the question, does anyone really know what it means to be bipolar? Bipolar disorder, also known as manic-depressive illness, is a brain disorder that causes unusual shifts in mood, energy, activity levels, and the ability to carry out day-to-day tasks (NIMH). Suffering from bipolar disorder can mean suffering from drastic changes in mood from one minute to the next. This illness can make getting through the simplest daily tasks impossible and can even cause the person suffering to become suicidal. There are typically three states that a person with this illness will experience; manic, depressive and mixed states. This illness is typically diagnosed in late teens to early twenties and is treatable, but will usually last a person’s entire life. At this time there are no medical tests or exam s performed to determine if a person is suffering from bipolar disorder. Usually a trained mental health professional can determine the diagnosis after evaluating the person. Bipolar disorder can run in families, although there are some relating factors, scientists have not yet determined any keys in genetics as far as passing the illness on. The first of the three states is the manic state. In this state a person may feel extremely joyful or overexcited. A person suffering from this illness mayShow MoreRelatedBipolar Disorder : Symptoms And Treatment854 Words   |  4 Pagesmedical condition known as bipolar disorder. Bipolar disorder is when a person suffers from severe shifts in mood and energy. In most cases, bipolar disorder can be treated and people with the illness can live normal and productive lives with the help of medication and or therapy. Aiken, C. (2010). Family Experiences of Bipolar Disorder: The Ups, the Downs and the Bits in Between. Retrieved from Ebsco Host. In this book the author discusses her own dealings with Bipolar Disorder. She goes on to say howRead MoreSymptoms And Treatment Of Bipolar Disorder1489 Words   |  6 PagesDiego City College Bipolar disorder, also called manic-depressive disorder, is a disease that affects thousands of people all over the United States of America. According to Sarris (2011) approximately 1-2% of adults will be affected by bipolar disorder in their lifetime. While some individuals may go undiagnosed, the prevalence percentage can raise to as much as 4% when including milder subclinical presentations (Sarris, 2011). Bipolar disorder can cause severe dysfunction in theRead MoreSymptoms And Treatment Of Bipolar Disorder1125 Words   |  5 Pageswith several mental disorders. The major diagnosis would be bipolar disorder. She also suffers from borderline personality disorder, Post-traumatic stress disorder (PTSD), and anxiety. The American Psychiatric Association s Diagnostic and Statistical Manual of Mental Disorder defines bipolar disorder as a recurrent mood disorder that includes periods of mania or mixed episodes of mania and depression (Murphy, 2012, p. 44-50). It was previously kn own as manic depressive disorder. It is most commonRead MoreBipolar Disorder Treatments : Symptoms And Symptoms2309 Words   |  10 Pages Bipolar Disorder Treatments Kelly Miazga Metropolitan State University December 8th 2014 â€Æ' Bipolar disorder treatments Introduction Bipolar disorder, also known as manic depression or bipolar affective disorder is a mood disorder where the patient experiences episodes of extreme highs known as mania and extreme lows known as depression. Periods of mania and depression vary per person. A person who is displaying a manic episode shows typical symptoms of elevated mood, extreme happiness or irritabilityRead MoreBipolar Disorder : Symptoms And Treatment2115 Words   |  9 Pages Bipolar Disorder The Bipolar disorder or you can call it manic depression, it is a often diagnosed and draining frame or state of mind disorder which causes huge shifts in temperament and frame of mind. The word bipolar means that the two main polar extremes in which a person with the disorder experiences. According a part of the National Institutes of Health that watches over neurological and psychological research this disorder affects about 2.1 million adultsRead MoreSymptoms And Treatment Of Bipolar Disorder1274 Words   |  6 Pagesconclusion, Ben Tang was diagnosed with bipolar II disorder indicated by DSM-5 at age 47. He experienced symptoms such as feeling depressed, suicidal thoughts, and worthlessness in depressive episodes. He experienced symptoms such as racing mind, trouble falling asleep, and committing reckless behaviors in hypomanic episodes. It can be challenging to live with bipolar disorder because the symptoms can be hard to deal with. There are several ways to manage bipolar di sorder, include medications, support groupRead MoreSymptoms And Treatment Of Bipolar Disorder1220 Words   |  5 PagesThe history of bipolar disorder is perhaps just as complex as the condition itself. Bipolar is highly recognized as a treatable disorder. The more we learn about bipolar disorder, the more people may be able to receive the help that they need. Centuries passed and little new was discovered about bipolar disorder until French psychiatrist Jean-Pierre Falret published an article in 1851 describing what he called â€Å"la folie circulaire,† which translates to circular insanity. The article details peopleRead MoreSymptoms And Treatment Of Bipolar Disorder762 Words   |  4 Pages Bipolar Disorder 2 Disorder history, In the 19th century psychiatry, mania had a broad meaning of craziness, hypomania was equated by some concepts of â€Å"partial insanity† or monomania. Bipolar disorder origins in 1854, Jules Baillarger and Jean-Pierre Falret, independently present descriptions of the disorder to Academie de Medicine in Paris. German neuropsychiatrist Emanuel Mendel in 1881 wrote â€Å"that heRead MoreSymptoms And Treatment Of Bipolar Disorder1442 Words   |  6 Pagesmental illness. For example, manic depressive illness, or bipolar disorder, is a cognitive disease which affects â€Å"about 2.6% of the U.S. population† every year (DBSA). Along with the vast number of patients stricken with bipolar, are also a plethora of symptoms, with researchers and patients reporting, â€Å"unusual shifts in mood, energy, activity levels, and (an inability) to carry out day-to-day tasks† (NIMH). Along with the symptoms of bipolar are several factors that contribute to the presence of theRead MoreSymptoms And Treatment Of Bipolar Disorder1458 Words   |  6 Pagesillness, a mood disorder called Bipolar Disorder, happens to be an illness that 1% of the population has been diagnosed with. It is equally found in both women and men and is usually diagnosed within someone’s teen years or early adulthood. After the disorder is diagnosed, it is imperative that treatment with medication and various types of therapy are incorporated into the patient’s lives (Fast 2006). Bipolar disorder has two types. Both are the same in severity but the symptoms occur differently

Tuesday, May 5, 2020

Business Risk Management

Question: What is risk management?Identify at least 10 business risks facing shang TIF and the business objective. Answer: Business Risk Business risk is probability of earning lower than expected profits. The business risk is influenced by the several factors such as overall economic climate, per unit prices, sales prices, and competition and input prices. Prioritizing the Risks The risks are prioritized as follows: Table 1: Prioritization of risk Risks Ranking o Political risk 2 o Risk related to government regulations 4 o Risk of technology 3 o Risk of not offering better services 5 o Not earning higher profits 7 o Not Meeting the expectation of passengers 6 o Risk of charging high prices 10 o Risk of natural calamity 9 o Imbalance in supply and demand 8 o Not having sufficient resources 1 Justification of ranking The risks are prioritizing on the basis of controllability of risk factors and the loss done by the risk to the business. As per the risk table given above the most urgent risk for the company will be to not have the sufficient resources. This kind of risk will be impacting the business and profits negatively. This is followed by political risk and government regulations, which will impact the business. Risk of charging high prices is given least weigh as it might be possible that passengers would be ready to pay higher prices to get the better experience. Risk responses strategy The risk Reponses strategy is made by keeping in mind the business of the company. The business of company is highly seasonal. First half of the year is low and second half is quite higher. The company needs to take the approval from the government for operating in particular route. It has to comply with the safety regulations of safety maritime. Keeping in mind all the factors, the risk responses strategy is framed. Control activities Control activities taken to mitigate the impact of the risk can to have the abundant of resources. The company can reduce the risk by making contingency plan to combat the effect of natural calamity and political risks. Technology related risks and other risks can be encountered by infusing more capital. Objective specific risk ranking Organization risk environment The risk environment of the organization can be understood as the environment of uncertainty. Environments of the organization are complex set of relationship which is not easy to understand. Advice to management The management of the company can be advised to make the contingency plan for combating with the risks. There are so many kinds of risks which cannot be controlled but the impact of which can be alleviated by the help of contingency plan. Most urgent risk The most urgent risk is risk of not having sufficient resources. The company should make sure that it possesses all the resources required for business. Recommending changes to management The company is dealing in the diverse culture. Company has to make changes to the cultural environment of the company. The culture of the company should be flexible and should have diverse workforce. The management of the company should try to improve the operations of company. Financial risk management Situational analysis This report is a case analysis report of a Regional Bank Manager making a proposal for the committee for approval based on a solution provided to hedge the perceived interest risks of two corporations. The two parties involved in this case are: Diamond Corporation Ltd. which is a diamond mining company and is an existing client of this Regional Bank Random Trading Pty Ltd. which is a Trading company and is not a client of this bank. The perceived interest risks of both the companies are opposite in nature with James Lincoln, Chief Executive of Diamond Corporation Ltd. having a view that the interest rates would fall in future while Luke Washington, Chief Executive of Random Trading Pty Ltd is worried about exposure to potential increase in interest rates (Alexander, 2008 ). The summary of both the companies is as below: Company Diamond Corporation Ltd Random Trading Pty Ltd Loan Amount $ 5,000,000 $ 5,000,000 Loan Status Debentures Issued Loan Required Interest Rate Fixed at 7% Looking for a fixed interest rate below 10% Interest Rate Risk Perception Rates will fall Rates will increase Looking for Variable interest rate loan Fixed interest rate below 10% Credit Rating AAA ABB Solution to hedge the perceived interest rate: As a Bank Manager, if I assess the perceived interest risk may be hedged as below: Diamond company is looking for a variable interest rate that my regional bank can offer at BBSW (bank bill swap rate) + 1% against the debentures of the company fixed at 7% fixed rate Random Trading Pty Ltd can be provided with the loan at the fixed rate of above 7% and below 10% which the Chief Executive will happily accept. This way, if the interest rates fall, the loss against the fixed 7% from the Diamond Company is mitigated from the profit of having fixed rate from Random Trading Pty Ltd. Similarly if the interest rates are increased, the loss against the fixed rate loan to Random Trading Pty Ltd may be obtained from profit from Diamond Corporation having variable rate. This way the interest rate risk at both the companies is hedged for the bank. Also, this would increase the business of the bank by adding a new client Random Trading Pty Ltd to its clientele list. Though the credit risk rating of Random Trading Pty Ltd is ABB but as trading company being into services, the credit risk for a loan amount of $ 5 million should be acceptable and is recommended to the committee for approval. Short Note to Diamond Corporation: It has been a great pleasure dealing business with you as a client and this is in reference to our recent discussion regarding your Fixed Interest Rate Debenture Loan of $ 5,000,000. Considering your concerns about the interest rate risk involved, we hereby propose you with a variable interest rate on the debenture loan issued to you at a cost of BBSW (Bank Bill Swap Rate) + 2%. This proposal has been considered keeping in view of our long term relationship and effective business dealings with you. We request you to kindly revert with your acceptance and acknowledge. We look forward for a long term relationship and take customer satisfaction as our priority. Short Note to Random Trading Pty Ltd In reference to our discussion about your companys growth strategies and fund raising aspects, we are glad to propose you a loan of $ 5,000,000 at a fixed interest rate of 8% per year. A detailed sanction approval along with terms and conditions shall be provided subject to approval from the concerned authority. In view of the same, we request you to kindly submit a detailed note on your growth strategies and business profile along with a request proposal for the loan requirement so that appropriate decision may be recommended to the concerned authorities for approval. We would also like to inform you that 0.5% of the loan amount would be charged as a one-time payment as the fund arrangement and processing charges. Request you to kindly provide with us with the details required as stated above at the earliest. We look forward for a long term relationship and take customer satisfaction as our priority. Recommendation proposal to Bank Authorities This is to bring to your kind notice about the proposals I had assessed recently related to an existing client, Diamond Corporation and a new envisaged client, Random Trading Pty Ltd. Diamond Corporation has been an existing client to our Bank since many years and has a Debenture loan sanctioned from us at a fixed interest rate of 7% per annum. The loan raised is to the tune of $ 5 million. The company is an AAA credit rated company having good standard diamond mining operations. In my recent client interaction with the Chief Executive of the company, it is understood that they are looking for variable interest rate availability against the fixed interest rate that they are currently charged as they perceive decrease in interest rates. He has even mentioned about the company being exploring options to mitigate this risk perceived by them. The client being a good credit rated company and with the possible solution as to be discussed below, I recommend to sanction the client with a variable interest rate of BBSW + 2% to continue the client over longer run. The solution I have for mitigating or hedging the risk involved with Diamond Corporation is to start a business with Random Trading Pty Ltd. Random Trading Pty Ltd is a trading company doing its business from past few years and the credit rating of the company if at ABB. Though credit rating is having higher risk as compared to Diamond Corporation, the company being into services and ding good has a positive recommendation. In my recent meeting with the Chief Executive of Random Trading Pty Ltd, they are looking for a loan of $ 5 million for their business expansion and growth. They are keen towards a fixed interest rate. A detailed profile of the company and their growth strategy is attached for your reference. I recommend this proposal at a fixed interest rate of 8% may be taken up which will hedge the variable interest rate recommended for Diamond Corporation. Though credit rating risk is different for both the companies, the positive review and business of Random Trading Pty Ltd adds on business to us and also provides a long term relationship with existing clients. With these observations, I recommend both the proposals for your perusal and approval. Diagrammatic Representation of the ProposalForeign currency forward exchange rate The foreign currency forward exchange is (FEC) is an agreement between the two parties for the purpose of exchange of one currency with the other currency on agreed date at an agreed prices and it is applicable for more than 2 business days post the agreement date. While arranging for the foreign exchange contract one has to quote a foreign exchange rate. Foreign exchange rate is rate at which one currency for another currency is exchanged at the future date. The rate is computed by adjusting the current spot rate by the forward margin (PDS, 2014). The risk is managed in such case by locking the exchange rate at the specified rate. The rate applicable on the trading is that which has been decided earlier, not the prices prevalent on the same day. This way risk of exchange rate volatility is divided among the parties associated with the contract (Standard Bank, 2016). For instance if an ABC firm is importing an irrigator in the United States due for the delivery after 4 months and full payment due after 3 months. The firm is having credit facility and they have contacted their treasury representative quoting the following prices: Current spot rate = 1.0004 Forward margin of 3 months = -0.00078 Then FEC rate is = 1.0004 0.00078 = .9926 They have agreed to buy irrigator after three months at AUD 151118.28 i.e. USD 150000/0.9926. The rate three months later is 0.9600. The company has saved the following amount on irrigator: 150000*0.9926 = 151118.28 150000*0.9600 = 156250.00 Interest Rate Option Markets of interest rates are among the most liquid and largest markets of the world today. The options are available both for speculation as well heading of the interest rates (Gupta Subrahmanyam, 2004). Interest rate options are suitable for hedging the risk against the movements of interest rates without forgoing the profits of the market trends. There are two terms cap and floor used for higher rates and lower rates respectively. A collar is encompassing both cap and floor. After determination of the strike price cap and floor i.e. upper limit and lower limits are decided. Post that calculations related to premium is done (Credit Suisse, 2016). This way the upper limit and lower limit of the interest rates are set by the parties in a bid to hedge against the prevalent risk. The trading takes place on the predetermined upper limit or lower limit of the interest rate. On each interest date current interest rate is compared with the strike price. When strike price is more than the interest rate, the trading does not take place. If interest rate is lower than the strike price there is occurrence of insured event. The bank can play the role of writer to pay the differences (CBOE, 2016). For instance, financial risk of the company can be mitigated by offering protection against the falling interest rates. Investor operating in money market can be profitable from rising interest rates by paying premium on the floor (Credit Suisse, 2016). Currency Swap Currency swap can understood to be a best way to hedge the transactions of loan. There is flexibility in currency swap that a fixed rate loan can be fully hedged with combination of currency and interest rate hedge with the help of fixed floating cross currency swaps. Swaps are way of managing the requirements of funding and debt rather than a method of borrowing money. It hedges the risk by making available cheaper funds by reducing cost of borrowing. It improves the income from investment. It hedges the exposure of lone term currency and reduces the financial risk of organization (MFX, 2016). For instance following are the rates quoted for cross currency interest rate swap for three year against the dollar. Sterling 7.74 -7.94 percent (Dealing spread of 20 basis points) Canadian dollars 6.50 6.75 percent (dealing spread of 25 basis points) The quoted rates are fixed rates that a bank is either required to receive (higher rate) or pay (Lower rate) in the cross currency interest rate swap. In this case, the counterpart will pay or receive the interest at LIBOR for 6month dollar (UST, 2016). References Alexander, C., 2008. Market Risk Analysis, Pricing, Hedging and Trading Financial Instruments. John Wiley Sons. CBOE, 2016. Interest rate options. CBOE. Credit Suisse, 2016. Interest-Rate Options. Credit Suisse. Duffie, D. Singleton, K.J., 2012. Darrell Duffie, Kenneth J. Singleton. Princeton University Press. Epstein, B.J., Nach, R. Bragg, S.M., 2009. Wiley GAAP Codification Enhanced. John Wiley Sons. Gupta, A. Subrahmanyam, M.G., 2004. Pricing and hedging interest rate options: Evidence from capfloor markets. Journal of Banking Finance, 29(1), pp.70133. MFX, 2016. Cross Currency Swaps. MFX. PDS, 2014. Forward Exchange Contract. Product Disclosure Statement. Standard Bank, 2016. Forward exchange contracts (FEC). Standard Bank. UST, 2016. Currency swaps. UST.