Ma Practice Question Essay Example

Ma Practice Question Paper Practice Questions: Time Value of Money (TVM) Its Applications in Investments 1. Jose now has $500. How much would he have after 6 years if he leaves it invested at 5. 5% with annual compounding? a. $591. 09 b. $622. 20 c. $654. 95 d. $689. 42 e. $723. 89 N6 I/YR5. 5% PV$500 PMT$0 FV$689. 42 2. How much would $5,000 due in 25 years be worth today if the discount rate were 5. 5%? a. $1,067. 95 b. $1,124. 16 c. $1,183. 33 d. $1,245. 61 e. $1,311. 17 N25 I/YR5. 5% PMT$0 FV$5,000 PV$1,311. 17 3. Suppose the U. S. Treasury offers to sell you a bond for $747. 5. No payments will be made until the bond matures 5 years from now, at which time it will be redeemed for $1,000. What interest rate would you earn if you bought this bond at the offer price? a. 4. 37% b. 4. 86% c. 5. 40% d. 6. 00% e. 6. 60% N5 PV$747. 25 PMT$0 FV$1,000. 00 I/YR6. 00% 4. You sold a car and accepted a note with the following cash flow stream as your payment. What was the effective price you received for the car assum ing an interest rate of 6. 0%? Years:01234 ||||| CFs:$0$1,000$2,000$2,000$2,000 a. $5,987 b. $6,286 c. $6,600 d. $6,930 e. $7,277 I/YR = 6. 0% 01234 CFs:$0$1,000$2,000$2,000$2,000 PV of CFs:$0$943$1,780$1,679$1,584 PV = $5,987Found using the Excel NPV function. PV = $5,987Found by summing individual PVs. PV = $5,987Found using the calculator NPV key. 5. At a rate of 6. 5%, what is the future value of the following cash flow stream? Years:01234 ||||| CFs:$0$75$225$0$300 a. $526. 01 b. $553. 69 c. $582. 83 d. $613. 51 e. $645. 80 I/YR = 6. 5% 01234 CFs:$0$75$225$0$300 FV of CFs:$0$91$255$0$300 FV = $645. 80Found by summing individual FVs. FV = $645. 80Found with the NFV key in some calculators. FV = $645. 80Found with a calculator by first finding the PV of the stream, then finding the FV of that PV. PV of the stream:$501. 99 FV of the PV:$645. 80 6. What’s the future value of $1,500 after 5 years if the appropriate interest rate is 6%, compounded semiannually? a. $1,819 b. $1,915 c. $2,016 d. $2,117 e. $2,223 Years5 Periods/Yr2 Nom. I/YR6. 0% N = Periods10 PMT$0 I = I/Period3. 0% PV = $1,500 Could be found using a calculator, an equation, or Excel. FV = $2,016 Note that we must first convert to periods and rate per period 7. We will write a custom essay sample on Ma Practice Question specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Ma Practice Question specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Ma Practice Question specifically for you FOR ONLY $16.38 $13.9/page Hire Writer An investor plans to buy a common stock and hold it for two years. The investor expects to receive $1. 5 in dividend a year and $26 from the sales of the stock at the end of year 2. If the investor wants a 15% return (compound annually), the maximum price the investor should pay for the stock today is roughly: A). $24 B). $28 C). $22 D). $32 E). $26 C). $22 (n=2, pmt = 1. 5, fv = 26, I = 15%, PV = ? ) 8. Morin Companys bonds mature in 8 years, have a par value of $1,000, and make an annual coupon interest payment of $65. The market requires an interest rate of 8. % on these bonds. What is the bonds price? a. $903. 04 b. $925. 62 c. $948. 76 d. $972. 48 e. $996. 79 N8 I/YR8. 2% PMT$65 FV$1,000 PV$903. 04 9. Sadik Inc. s bonds currently sell for $1,180 and have a par value of $1,000. They pay a $105 annual coupon and have a 15-year maturity, but they can be called in 5 years at $1,100. What is their yield to call (YTC)? a. 6. 63% b. 6. 98% c. 7. 35% d. 7. 74% e. 8. 12% N5 PV$1,180 PMT$105 FV$1,100 I/YR = YTC7. 74% 10. Assume that you are considering the purchase of a 20-year, noncallable bond with an annual coupon rate of 9. %. The bond has a face value of $1,000, and it makes semiannual interest payments. If you require an 8. 4% nominal yield to maturity on this investment, what is the maximum price you should be willing to pay for the bond? a. $1,105. 69 b. $1,133. 34 c. $1,161. 67 d. $1,190. 71 e. $1,220. 48 Par value$1,000 Coupon rate9. 5% Periods/year2 Yrs to maturity20 Periods = Yrs to maturity ? Periods/year40 Required rate8. 4% Periodic rate = Required rate/2 = I/YR4. 20% PMT per period = Coupon rate/2 ? Par value$47. 50 Maturity value = FV$1,000 PV$1,105. 69

Rise Of Superpowers After WWII Essays (4206 words) - Free Essays

Rise Of Superpowers After WWII Essays (4206 words) - Free Essays Rise of Superpowers After WWII It is often wondered how the superpowers achieved their position of dominance. It seems that the maturing of the two superpowers, Russia and the United States, can be traced to World War II. To be a superpower, a nation needs to have a strong economy, an overpowering military, immense international political power and, related to this, a strong national ideology. It was this war, and its results, that caused each of these superpowers to experience such a preponderance of power. Before the war, both nations were fit to be described as great powers, but it would be erroneous to say that they were superpowers at that point. To underezd how the second World War impacted these nations so greatly, we must examine the causes of the war. The United States gained its strength in world affairs from its status as an economic power. In the years before the war, America was the world?s largest producer. In the USSR at the same time, Stalin was implementing his ?five year plans? to modernise the Soviet economy. From these situations, similar foreign policies resulted from widely divergent origins. Roosevelt?s isolationism emerged from the wide and prevalent domestic desire to remain neutral in any international conflicts. It commonly widely believed that Americans entered the first World War simply in order to save industry?s capitalist investments in Europe. Whether this is the case or not, Roosevelt was forced to work with an inherently isolationist Congress, only expanding its horizons after the bombing of Pearl Harbour. He signed the Neutrality Act of 1935, making it illegal for the United States to ship arms to the belligerents of any conflict. The act also stated that belligerents could buy only non-armaments from the US, and even these were only to be bought with cash. In contrast, Stalin was by necessity interested in European affairs, but only to the point of concern to the USSR. Russian foreign policy was fundamentally Leninist in its concern to keep the USSR out of war. Stalin wanted to consolidate Communist power and modernise the country's industry. The Soviet Union was committed to collective action for peace, as long as that commitment did not mean that the Soviet Union would take a brunt of a Nazi attack as a result. Examples of this can be seen in the Soviet Unions? attempts to achieve a mutual assiezce treaty with Britain and France. These treaties, however, were designed more to create security for the West, as opposed to keeping all three signatories from harm. At the same time, Stalin was attempting to polarise both the Anglo-French, and the Axis powers against each other. The important result of this was the Nazi-Soviet non-aggression pact, which partitioned Poland, and allowed Hitler to start the war. Another side-effect of his policy of playing both sides was that it caused incredible distrust towards the Soviets from the Western powers after 1940. This was due in part to the fact that Stalin made several demands for both influence in the Dardanelles, and for Bulgaria to be recognised as a Soviet dependant. The seeds of superpowerdom lie here however, in the late thirties. R.J. Overy has written that ?stability in Europe might have been achieved through the existence of powers so strong that they could impose their will on the whole of the international system, as has been the case since 1945?.? At the time, there was no power in the world that could achieve such a feat. Britain and France were in imperial decline, and more concerned about colonial economics than the stability of Europe. Both imperial powers assumed that empire-building would necessarily be an inevitable feature of the world system. German aggression could have been stifled early had the imperial powers had acted in concert. The memories of World War One however, were too powerful, and the general public would not condone a military solution at that point. The aggression of Germany, and to a lesser extent that of Italy, can be explained by this decline of imperial power. They were simply attempting to fill the power vacuum in Europe that Britain and France unwittingly left. After the economic crisis of the 1930?s, Britain and France lost much of their former international ezdingas the world

Personal Finance Concepts Essay Example | Topics and Well Written Essays - 750 words

Personal Finance Concepts - Essay Example With respect to an individual's financial security, this implicates the need to intelligently plan one's investments and retirement plan, not only to secure a good life for the future, but also to ensure safety from unprecedented economic crisis and financial problems. As an individual seeking to secure a retirement plan, investing in a house, gold, and retirement insurance such as Individual Retirement Accounts (IRAs) will be top priorities. After careful consideration of the market, these three products present the most profitable and secure values, which are crucial factors that must be considered in making an investment. First, a person's home is perhaps his most important investment. Not only does it provide an important use at present, but, given proper maintenance, ownership of a house and lot can reap high returns. Depending on the location of a house and the possible development plans in that community for the future, home values can appreciate up to 100% in a span of ten years. Furthermore, it is also a valuable asset, which could be mortgaged in times when large sums of money are needed. In addition, given its high appreciation values, houses can also be very useful for retirement, which could be sold in order to pay for membership in a comfortable retirement house in the future, or rented to earn a sizeable monthly income despite retirement. A second investment of importance are pension plans such as IRAs and 401(k)s. These pension plans, which acts like savings accounts, allows individuals to save money form their salaries before taxes and deposit them into a fund, which through the years could grow into a sizeable sum. Its importance lies in the manner that it is saved. First, since they are automatically deducted from salaries before taxes, it makes sure that a regular amount of money will be saved every month, eliminating the chance for individuals to skip payments. Furthermore, it decreases one's gross salary, decreasing income tax, which gives individuals a higher disposable income if analyzed properly. Thus, it is an efficient investment for retirement. Lastly, another investment, which is of importance, is gold. Unlike other investments, gold provides the most stable, hence safe, investment for retirement even in times of economic crisis and financial instability. On the average, its value has been increasing throughout the years. Thus, it is no question why it has endured as a viable form for keeping wealth in centuries. Another reason why gold is an important form of investment for a retirement plan is its negative correlation with the US dollar (van Eeden, 2000). There has been numerous forecasts regarding the weakening of the dollar in the coming yeas, thus, gold provides individuals with a greater sense of security. Furthermore, owning gold allows one to diversify his domestic portfolio and diversify the risks present in his other investments. Thus, gold is an important investment for retirement because it allows individuals to diversify his portfolio, hence, shielding it from the risks that could be brought about by a deeply integrated world economy, ensuring that one's retirement plan is secure. A house, an untaxed investment, and gold are three important components of a retirement plan because they are relatively stable, diverse, and could still be used in the present during hard times in mortgages and loans giving them value

Toys R Us Case Analysis Essay Example | Topics and Well Written Essays - 1500 words

Toys R Us Case Analysis - Essay Example So the company formed partnership with McDonalds which helped the firm to understand the business process which other companies follows for establishing its position in Japanese market. 80% of the company was owned by TRU and rest of the shares was owned by McDonalds of Japan. This partnership became very beneficial for TRU to start its business in Japan. TRU entered in Japanese market at the time of recession. The people of that country at were focusing of low priced products. For this reason the company introduced a catchy tagline for attracting customers in its stores. TRU provided discounts on its various products and maintained a good quality. The tagline of TRU in Japan focused on the low price and quality of its products. This helped the company to become popular among the Japanese people. By this even TRU was successful in establishing its position in the market of Japan. It also helped the company to create its customer base in that country. For expanding its business into Japan TRU had to set up stores in different parts of the country. The company required 3000sq ft area for establishing its retail stores. But according to the law of Japan government establishment of large retail stores were prohibited. The company TRU was able to change this law of Japan. The company opened its store of 3000sq ft in Japan in 1991. Soon the company opened its many other toy stores in different parts of this country. Therefore for establishing its business TRU changed the one of the government laws of Japan. TRU improved some of its internal factors for launching its business in Japan. The company introduced export managers in its business system for analyzing and evaluating the market of Japan. It helped the company to get a qualitative and quantitative idea about Japanese market for establishing its business. The organization teamed up with McDonalds of Japan for evaluating its new business environment. It helped the company to

Profit and Loss Essay Example for Free

Profit and Loss Essay Profit and loss accounts, balance sheets Profit and loss accounts, balance sheets Two of the most important financial statements for a business are the Profit and Loss Account, and the Balance Sheet. The Profit and Loss Account shows the profit or loss of a business over a given period of time e. g. 3 months, 1 year, etc. In contrast, the Balance Sheet is like a photograph taken at an instant in time giving a picture of what the business owns and what the business owes at that moment in time. As we shall see it will always balance because what the business owns is financed by what the business owes. The Profit and Loss (PL account) Net profit takes account of other sources of income and expenditure that are not involved in normal operations e. g. interest paid on loans and interest received on having a positive balance in a bank account. Turnover is the value of sales made in a trading period. It is some eferred to as sale revenue and is calculated by the average price of items sold x the number sold. Cost of sales calculates the direct costs of manufacturing items, or buying in items to sell them on. Expenses are the overhead costs of running a business. These overheads cant be tied down to particular cost units. For example, it would be very difficult to calculate what fraction of the heating cost of a pen factory can be allocated to just one pen. The Balance Sheet is a statement showing the assets, liabilities and owners capital of a business at a particular Downloaded from The 100 Edition http://www. he100. co. uk moment in time, for example the year end. The Balance Sheet balances because the assets t hat a business possesses at a specific time have been financed either through the provision of capital by the owners or by the creation of external liabilities: Value of assets = Value of Liabilities Value of Owners capital. There are a number of things that we can see from looking at a balance sheet, for example: 1. The Net Assets of the business, i. e. the difference between the value of the assets and the value of the liabilities. A growth in net assets tends to indicate a growing business. 2. How solvent the business is. In other words, does it have enough assets that are short term, and hence easily converted into cash, to pay any pressing short-term liabilities. Case Example: A typical balance sheet will be set out in the following way (note that we use two columns. The first column is for minor calculations, the second column is for grand totals): Balance Sheet of Superior Traders, as at 31st December 2004 Fixed assets consist of those items that are kept within the business to create wealth over a period of time e. . machinery, equipment, vehicles, computers, etc. Current assets are used in the short period to generate income for a business. For example, in a manufacturing company like Kraft, stocks would represent products that have already been made and are waiting to be sold onto retailers. Typically stocks will be sold on credit for periods of one month, two months, or three months. Retailers buying s tocks on credit from Kraft would become Krafts debtors. At the end of the credit period they will pay up in the form of cash, enabling Kraft to buy more raw materials to create further stocks. Creditors due within one year are the sums that a business owes money to in the short period otherwise known as current liabilities. Net current assets is a measure of how solvent or liquid a business is. Many businesses need to have working capital. Working capital is calculated by subtracting current liabilities from current assets: Working capital = Current assets Current liabilities Note that the figure for net current assets appear almost in the centre of a balance sheet, and is a figure that many people will look at first to check on the solvency of a business. Total assets current liabilities is a sum that appears in the balance sheet simply doing what the title suggests. Creditors due after more than one year shows the longer term liabilities of the bsiness. Total net assets is calculated by taking away all the liabilities (both current and long term) from all of the assets (both current and long term). Shareholders funds shows the value of the shareholders capital in the business. It will always be the same value as the total net assets and it balances the account. Downloaded from The 100 Profit and loss accounts, balance sheets Profit and loss accounts, balance sheets Two of the most important financial statements for a business are the Profit and Loss Account, and the Balance Sheet. The Profit and Loss Account shows the profit or loss of a business over a given period of time e. g. 3 months, 1 year, etc. In contrast, the Balance Sheet is like a photograph taken at an instant in time giving a picture of what the business owns and what the business owes at that moment in time. As we shall see it will always balance because what the business owns is financed by what the business owes. The Profit and Loss (PL account) One of the most important objectives of a business is to make a profit. The PL account shows the extent to which it has been successful in achieving this objective. Companies are expected to keep their PL accounts in certain formats. Typically the PL account will show the revenues received by a business and the costs involved in generating that revenue. In simple terms: Revenues Costs = Profits. A typical PL account will look like the following: Case Study: PL Account for Superior Traders as at 31/12/2004 You can find out the gross profit of a business by deducting cost of sales from turnover: ? 100,000 ? 50,000 = ? 0,000 You can find out the operating profit by deducting the expenses from the gross profit: ? 50,000 ? 30,000 = ? 20,000 You may also come across the term net profit. Operating profit is earned from carrying out a businesses normal operations e. g. producing confectionery, or selling Christmas cards. Net profit takes account of other sources of income and expenditure that are not involved in normal operations e. g. interest paid on loans and interest received on having a positive balance in a bank account. Turnover is the value of sales made in a trading period. It is sometimes referred to as sale revenue and is calculated by the average price of items sold x the number sold. Cost of sales calculates the direct costs of manufacturing items, or buying in items to sell them on. Expenses are the overhead costs of running a business. These overheads cant be tied down to particular cost units. For example, it would be very difficult to calculate what fraction of the heating cost of a pen factory can be allocated to just one pen. The Balance Sheet is a statement showing the assets, liabilities and owners capital of a business at a particular Downloaded from The Times 100 Edition oment in time, for example the year end. The Balance Sheet balances because the assets that a business possesses at a specific time have been financed either through the provision of capital by the owners or by the creation of external liabilities: Value of assets = Value of Liabilities Value of Owners capital. There are a number of things that we can see from looking a t a balance sheet, for example: 1. The Net Assets of the business, i. e. the difference between the value of the assets and the value of the liabilities. A growth in net assets tends to indicate a growing business. Creditors due within one year are the sums that a business owes money to in the short period otherwise known as current liabilities. Net current assets is a measure of how solvent or liquid a business is. Many businesses need to have working capital. Working capital is calculated by subtracting current liabilities from current assets: Working capital = Current assets Current liabilities Note that the figure for net current assets appear almost in the centre of a balance sheet, and is a figure that many people will look at first to check on the solvency of a business. Total assets current liabilities is a sum that appears in the balance sheet simply doing what the title suggests. Creditors due after more than one year shows the longer term liabilities of the bsiness. Total net assets is calculated by taking away all the liabilities (both current and long term) from all of the assets (both current and long term). Shareholders funds shows the value of the shareholders capital in the business. It will always be the same value as the total net assets and it balances the account. Downloaded from The Times 100 Edition.

Irregular Religions Essay -- Social Issues, Poverty

Perhaps the strongest basis for one critic’s belief that Major Barbara had â€Å"an utter want of the religious sense† comes from the morality and adopted religion of Andrew Undershaft. An armorer, Undershaft founded his creed on the belief that â€Å"honor, justice, truth, [and] mercy† are â€Å"graces and luxuries of a rich, strong, and safe life† (93). To Undershaft, social problems such as sloth and drunkenness can be traced back to poverty, for a man’s â€Å"first duty, to which every other consideration should sacrificed, is not to be poor† (15). Shaw makes this point clearly in the play’s preface, and argues his own cynical views through the mouth of Undershaft. Shaw explains through Undershaft that poverty is â€Å"the worst of all crimes† (142). The impoverished â€Å"poison [the country] morally and physically† – â€Å"they force [those not poor] to do away with [their] own liberties and to organize unnatural cruelties for fear that [the poor] should rise against [the wealthy] and drag [the wealthy] down into their abyss† (142). Life has proven to Undershaft that money is a God on Earth; money allowed him to raise his family comfortably despite the less-than-reputable source from which he obtained it (namely, war). Because his faith of money and gunpowder is unconventional in its generally strict focus on the economic aspects of life, the faith leaves little room for the traditional spiritualism and morality of religion. Undershaft admits that he would not have the income of a poor man for all his conscience (88). In Undershaft’s religion, typical morality – that is, earning money in a respectable way, believing death and destruction are abominations, and seeing God as that which rules the world – has no place. Undershaft takes advantage of â€Å"the ... ...ara has learned from the Army, a starving man will say anything to get the bread, furthering Crosstianity rather than absolving his soul (142). While Shaw respects the Salvation Army’s intentions in trying to rid the country of poverty, he believes only a revolution can destroy it completely and that the Army’s attempt to save people individually is ultimately futile. The Army is not saving their souls; rather, it forces them to sin by lying to gain food. Barbara comes to this understanding at the end of the play, and by it she is converted again to the saving of souls, this time â€Å"through the raising of hell to heaven and of man to God† – essentially, by bringing goodness and spirituality into her father’s factory of death (152). Through her strength and spirituality Barbara finds hope and reaffirms the true, if unconventional, Christianity she practices.

Immigrant Children and U.S Education Essay

Aware of the free education provided by the United States government to any school age children, immigrants both legal and illegal continue to be attracted to the United States, migrating in an attempt to provide better opportunities for their families and themselves. As the number of illegal immigrants living in the United states continues to rise and the percentage of illegal immigrant households which consist of children also continues to rise, it is important for the American government to examine the effect that these illegal children are having on the United States public education system. How educators and policymakers address the increasing diversification of the population will ultimately determine the stability of communities in the future.In order to produce a more effective public education system for students as a whole, it is important for the government examine the effects of the influx of immigrant students and learn to address the issues in a more productive way.Americans must ask themselves and answer the question, â€Å"How should the government better manage the influx of undocumented immigrant children in the public education system?† In 1982, the supreme court case Plyler v. Doe, ruled â€Å"that public schools were prohibited from denying immigrant students access to a public education. The Court stated that undocumented children have the same right to a free public education as U.S. citizens and permanent residents. Undocumented immigrant students are obligated, as are all other students, to attend school until they reach the age mandated by state law (Olivas).† As an american citizen, it is crucial for our society to realize the effects of allowing illegal immigrants the right to free public education because the effects affect us as individuals and future generations in the american society. It is important for us to see if the benefits of allowing immigrants free education outweighs the strain it puts on our public education system. Researching and answering the question â€Å"How should the government better manage the influx of undocumented immigrant children in the public education system?†, will help americans realize what laws and policies need to be edited, reformed, or added, to greater benefit our society. Answering this question will show us if we need more laws promoting and protecting immigrants rights which would bring in more immigrants or if we should create laws restricting the rights of immigrant children. As immigration continues to increase, and the children of immigrants fill more of the schools, educators will have to recognize and address the social, cultural, political, psychological, and economic complexity that is immigrant education in the twenty-first century. â€Å"Despite several decades of reform, public education in the United States is criticized by some as not teaching all children effectively† (Koehler). Due to poor test results and low graduation rates, many taxpayers criticize public schools and want to see better results. Among many of the issues creating discontent with the public educational system, inequality of opportunity ranks high among citizens. Despite the historical promise of quality education for all children regardless of race, ethnicity, or income, many americans feel that many children do not have equal opportunities to learn and are not likely to attend a quality school. â€Å"Data from the National Assessment of Educational Progress (NAEP) reports that 63 percent of fourth graders perform at only basic, or below basic, levels in reading. Sixty-nine percent perform at these levels in mathematics. African-American, Hispanic, and Native American fourth graders perform consistently lower than their white coun terparts†(Koehler). These statistics show that over half of the students in the American educational system fail to learn high thinking skills. â€Å"And once again, this â€Å"bottom half† comprises primarily the poor and ethnic minorities†(Koehler). Majority of immigrants live in poverty.†The poverty rate for immigrants and their U.S.-born children (under 18) is two-thirds higher than that of natives and their children, immigrants and their minor children now account for almost one in four persons living in poverty†(Camarota). The high percentage of immigrants that live in poverty causes majority of their children to attend an underachieving school adding to struggles they already face as an immigrant and effecting their educational success.â€Å"The percentage of immigrants without a high school diploma is 30 percent, more than 3.5 times the rate for natives.†(Camarota). with out proper management of immigrant children in the school system, these underachieving school s will take the blunt force of the student population increase and due to lack of resources and funding the schools have, the schools will continue to strip the students of their equality to opportunity. As the immigration population continues to increase â€Å"immigration has become the determinate factor in population growth. The arrival of 1.5 million immigrants each year, coupled with 750,000 births to immigrant women annually, means that immigration policy is adding over two million people to the U.S. population each year, accounting for at least two-thirds of U.S. population growth†(Camarota), it is important that the government learn how better manage the influx of undocumented immigrant children in the public education system to ensure equality of opportunity to american and immigrant students. As taxpayers, citizens should especially be concerned with the amount of their money that is used to educate immigrants. In January 2011, it was estimated that 11.5 million unauthorized immigrants are currently living in the United States. Of these it is estimated that 1.5 million children attend a public school costing the government an estimated six thousand dollars a year per student. In addition to the six thousands per student the government also pays about $1.5 billion annually to pay the bi-lingual teachers which are necessary to teach and attempt to provide an equal opportunity to immigrant children. All together, the total cost of educating the children of illegal immigrants is around $52,000,000,000. Educating the children of illegal immigrants is by far the single largest cost to American taxpayers. Even though americans are paying large sums of money to educate children of illegal immigrants, â€Å"foreign-born students ages 16-24 had a drop out rate of 29% while students ages 16-24 of foreign born parents had a high school drop out rate of 38.7%†(Illegal immigration statistics). This drop out percentage shows that despite the large amounts of money being spent, the government needs to find a way to better manage the influx of undocumented immigrant children in the public education system. Due to the large number and rising percentage of immigrants in our school system, the immigrants educational success will influence our nations future success. Works Cited Camarota, Steven. â€Å"Immigrants in the United States: A Snapshot of America’s Foreign-Born.† Center for Immigration Studies. Nov. 2002. Web. 03 Apr. 2012. . Website TagsEditDelete Hernandez, Donald J. Demographic Change and the Life of Immigrant Families. Publication. New York: Foundation for Child Development, 2004. Future of Children. Web. . Report TagsEditDelete â€Å"Illegal Immigration Statistics.† Illegal Immigration Statistics. Web. 03 Apr. 2012. . Website TagsEditDelete â€Å"Immigration Statistics.† DHS. Web. 03 Apr. 2012. . Website TagsEditDelete Koehler, Paul, and Joy W. Lewis. â€Å"Criticism of Public Education.† Encyclopedia of Education. 2nd ed. Vol. 5. New York: Macmillan Reference USA, 2002. 1948-952. Print. Encyclopedia Article TagsEditDelete Olivas, Michael A. No Undocumented Child Left Behind: Plyler v. Doe and the Education of Undocumented Schoolchildren. New York: New York UP, 2012. Print. Book TagsEditDelete Schoorman, Diyls. â€Å"Immigrant Education: Contemporary Issues.† Encyclopedia of the Social and Cultural Foundations of Education. Vol. 2. Thousand Oaks, CA: Sage Publications, 2009. 433-35. Print.

In this assignment, we would present our findings on whether Singaporeans are receptive to Telecommuting

In this assignment, we would present our findings on whether Singaporeans are receptive to Telecommuting. Telecommuting is the substitution of telecommunication for transportation, permitting work to be performed at a remote site anywhere except from the office. We conclude that Singaporeans are not very receptive to Telecommuting although Singapore is quite a technologically advanced country in Information Technology. A total of 20 respondents ( males and females) were asked to complete a survey form. Their age group was around 21-30 years of age. They were mainly made up of NUS students and system analysts. Among the 20 interviewees, 55% indicated that their current jobs do not require them to telecommute. Half of the 20 respondents spend on the average, 0-10 work-related hours in front of the computer every week. In addition, 90% of them feel that Telecommuting could not replace most of the jobs in Singapore. Below are the four highly topped responses that the interviewees made regarding their feelings towards Telecommuting in general. In the survey, 90% of those participating recognize that there is a loss in human touch while 85% of the interviewees feel that there is a loss in team cohesion. Telecommuting may cause a relative loss of synergy, because of reduced face-to-face contact, although electronic mail and on-line documentation can counterbalance this. Thus, Telecommuting results in less social interaction and reduced contact with the physical part of the organization (the office). This leads to isolation, loneliness and a reduced sense of identification with the organization and its members. The survey reported that 80% of the interviewees recognize that there is no need to commute with telecommuting. Telecommunication technology lets telecommuters transform almost any space into a workplace. Instead of going to work, telecommuters let work come to them. Time is saved too when the telecommuter does not have to travel to work. He beats the hassle of traveling to work and getting stuck in traffic jams. The time saved can be used to generating more output for his work. Moreover, 70% of those participating in the survey feel that they are able to spend more time with family and friends with Telecommuting. Telecommuting can help balance work and family demands. In this sense, Telecommuting can play a part in helping to bond the family together. When the parent does not have to leave home to go to work, he/she is able to spend more time at home with his family. The parent is able to show more concern for his children and spouse, as he/she knows what is going on in their lives. This will greatly improve the family cohesiveness. We found out that 65% of the interviewees think they are not able to work from home. This could be because Telecommuting requires unwavering self-discipline as telecommuters can make a choice between eight hours of work time or eight hours of web-surfing. The latter is of course more tempting. The reasons why Singaporeans are not receptive to Telecommuting might be due to three reasons. Singaporeans have a collectivistic culture and value team cohesion as well as membership. They are socialized to be emotionally dependent on organizations and institutions. As a result, Singaporeans are not used to the idea of Telecommuting. Firstly, the close proximity between family members due to Singapore's small physical size makes Telecommuting unfeasible. Secondly, the accessibility of Singapore due to its efficient transport network ensures that employees can commute between home and office quickly.

Leopracy (decease) Essays - Leprosy, Corynebacterineae, Free Essays

Leopracy (decease) Essays - Leprosy, Corynebacterineae, Free Essays Leopracy (decease) title = Leopracy (decease) Leprosy is a chronic infectious disease that affects the skin and the mucous membranes, especially those in the nose and in the peripheral nervous system. Leprosy is not usually fatal, however, patients with untreated infections may develop crippled hands and or feet. Leprosy results from infection by a rod-shaped bacterium called mycobacterium leprae, sometimes known as hansens bacillus. Leprosy infections occurs primarily in human beings, armadillos, chimpanzees and Mangabey monkeys. Researchers do not know how the bacteria is transmitted. Evidence show it is caused by inhaling the bacteria or from skin to skin contact. Leprosy resist infection and develop immunity after this exposure. Only a few develop the disease. Symptoms of leprosy typically appear three to five years after infection. The cheif symptoms of leprosy include white or reddish patches of skin, the loss of feeling in the skin and thickened nerves. The skin may also thicken, and dark lumps may appear on many parts of the body. If this disease is not treated, nerves can become severely damaged, causing weekness in the hands and or feet. As a result the fingers and toes may curl inward. If M. leprae enter the eyes, a painful inflamation called iritis can occur. In severe casas, the bacteria can cause blindness. PLEASE CONTINUE FROM HERE. (hey, at least is this far done!)

Fin Project Essay Example | Topics and Well Written Essays - 2500 words

Fin Project - Essay Example The QFMA Code encourages companies to consider and implement voluntarily the appropriate policies, about the companys circumstances, even though the Code is not prescriptive yet. The article mainly aims to compare the QFMA Code with the international benchmark of the Principles of Corporate Governance of the OECD of 2004, so as to develop recommendation to the on how the QFMA can strengthen their corporate governance framework. The article first looks at a brief overview of the QFMA Codes. This is done with respect to the major issues of the duties of the director, mechanisms of control, rights of the shareholders, disclosures, compliance and corporate governance. The benchmarks in the OECD Principles are used to compare these key areas. Finally, the article looks at the recommendations about how the QFMA can be able to meet the set standards by the OECD Principal, and help in strengthening the corporate governance framework of the Qatari (Zain, 2011). Corporate governance can be dated back to the 19th Century when there was the introduction of the agency theory on the background of public corporations. There was a great need to separate functions from those functions of the owners and maintain some control over management performance (Gregary, 2000). Corporate governance encompasses the mechanism of control for a business that is organized in a limited liability corporate. Other people consider corporate governance to be a set of rules, regulations and voluntary practices that are aimed at resulting in the best performance by humans and maximizing the entitys net worth through securing and safeguarding its interests (Chee, 2002). Various scholars have overviewed different theoretical perspectives on corporate governance and further elaborated within various domains (Kirkpatrick, 2005). All this results from the corporate governance ground and its

Ethics in Business Today Essay Example | Topics and Well Written Essays - 1500 words

Ethics in Business Today - Essay Example Along with this, ethics also helps in reducing employee turnover thereby enhancing the range of efficiency, if maintained properly. Therefore, from the above points, it might be revealed that ethics acts as the catalyst that helps the business to enhance its dominance and supremacy in the market among other existing rival players. So, ethics is extremely essential for any business organization, operating in current scenario. Other than this, ethical policies and behaviors help an organization or business to attract more investors that might enhance the share prices to a significant extent among other rival players. Side by side ethics also helps in recruiting experienced and skilled employees within the organization that may prove effective in enhancing the total productivity of the organization. Thus, recruitment of talented staffs helps in development of varied types of inventive products and services for its customers thereby satisfying their changing needs and demands. This might help an organization in enhancing its brand value and loyalty within the minds of the target customers. As a result, its level of sustainability might get enhanced significantly. Consequently, ethics also helps in enhancing the inner morale of the employees so as to cope up with the inconveniences in turbulent situations. As a result of such type of inner confidence and willpower of the employees, the organization might become able to tackle the effects of the tough situations thereby retaining its previous image and values. However, this might be possible only if cooperation and team work might be maintained among all the members of the organization. Thus, it might be revealed that ethics is that type of inner psychology that might help an organization to develop a strong image and may also destroy its portfolio in the market among others (Plastin, 2013). Other than this, ethical decision making within an organization also helps in enhancing employee growth and their performance t owards the assigned duties and responsibilities. Due to which, the organization might become able to fulfill its target objectives and goals, which is extremely essential for any organization in this era. As a result, the organization might enhance its level of dominance within the market that may reduce the intensity of the new entrants to enter the segment. Along with this, the level of distinctiveness of the organization might also get enhanced thereby amplifying its output and profitability by a significant extent. As a result, the position and reputation of the organization might get improved in this aggressive market among other operating rivals. Hence, according to me ethics is important for any organization or a business for the following reasons presented below: Employee commitment Employee Growth Investor and stakeholders loyalty and commitment Improvement of the confidence power of the shareholders Improvement of the level of customer satisfaction Improvement in the relat ionship with the stakeholders Enhancement of the productivity of the organization Improvement of the level of performance Improvement of revenues and profit margin Improvement of reputation and image of the organizati