The Chemistry of Natural Waters Essay -- Science Papers

Characterized in Chemtrek as â€Å"The nearness of the broke down divalent cations Ca2+ and Mg2+. . . (which) gives normal waters compound properties†, hard water has consistently been a revile to the two creatures and man 1 . It advances scale, the development of magnesium and calcium to where a stone like substance frames in family unit and modern funnels, disturbs normal living spaces and regenerative patterns of new water fish, and causes numerous wellbeing related issues in people 2 . To maintain a strategic distance from such issues, it is essential to comprehend ways that business organizations and mortgage holders can test for hard water. This examination analyzes two potential techniques for testing water hardness. They include: AA spectroscopy, which gauges a water test's ingestion of Ca 2+ and Mg 2+ , and EDTA titration, which utilizes a titration's end-point to decide the grouping of Ca 2+ and Mg 2+ present in a water source 1 . It is likewise essential to find out about water relaxing, a procedure that expels calcium and magnesium from water sources 3 . For this trial, I investigated water mellowing methods, for example, divalent cation expulsion particle trade and water relaxing with a business water-molding operator 4 . My gathering chose to test AA spectroscopy, EDTA titration, and water relaxing strategies on four normal water tests from Little Chickies Creek in Mount Joy,PA; Allegheny River in Warren, PA; Stone Valley Lake in State College, PA; and a lake on Orr Avenue in Apollo, PA since it is basic to think about the nature of Pennsylvania's conduits. My theory expressed that the water from Little Chickies Creek would be the hardest in light of the fact that it is situated by a few limestone quarries, which store calcium and magnesium into rivulets and streams 5 ... ... Prentice Corridor, 2003. 5 McClintok , Michael. â€Å"A Hard Look at Soft Water.† The Washington Post 28 August 2003 : H.02. 6 â€Å"Threats to Western Pennsylvania Waterways.† Creek Connections . 13 October 2003 <http://creeekconnections.allegheny.edu/pollutionsummary.html>. 7 Van der Leeden , Frits; Troise , Fred L.; Todd, David K. The Water Encyclopedia . second ed . New York : Lewis Publishers, 1990. 8 Krogman, Nick. Science 14-AA Spectroscopy Calibration Data Charts. 9 Anderson , Troy . Science 14-Lab Notebook, Experiment 10. p. 54-59. 10 Angiulli , Alayna . Science 14-Lab Notebook, Experiment 10. p. 41-45. 11 Toms, Jarrett. Science 14-Lab Notebook, Experiment 10. p. 49-54. 12 Robb, Gordon A. furthermore, James D.F. Robinson . â€Å"Acid Drainage from Mines.† The Geographical Journal March 1995: 47.

Apple Marketing and American Materialism free essay sample

This is seen contrarily by society, yet since this expansion in industrialism is genuinely later, it is difficult to make ends on why this is going on. Numerous organizations, alongside innovation, have added to the ascent of realism in the US and Apple is one them. By examining Apple’s showcasing system, late advertisement crusade, and achievement and disappointment of their advancements, individuals are purchasing more customer products now since they need to be engaged and need to make their life easier. Apple Knows How To Appeal To Their Customers Apple has been fruitful as of late due to their imaginative perspective and how they do business.They have increased numerous clients by utilizing â€Å"a winning blend of uncommon items, incredible style and plan, extraordinary system, creative promoting, and smooth and alluring communications† (Vertygo Team). By truly taking the time and exertion to consider extraordinary items and thoughts and concocting basic, shrewd promoting, Apple can interest a wide scope of clients who need to purchase their items. By doing this, they increment their deals and upgrade their image esteem. I concur that Apple has an interesting advertising technique, a point that requirements underlining since such a large number of individuals accept that Dell and Blackberry are like them. It states in the company’s statement of purpose that â€Å"Apple drives the computerized music upheaval with its iPods and iTunes online store and has reevaluated the cell phone with its progressive iPhone and App Store† (Apple). They generally are in the know regarding innovation and have truly made their own business sectors for the items they sell. It is regularly difficult to rival what Apple brings to the table since the organization even remained solid in 2009 during the downturn and expanded their deals and benefits (LexisNexis 1). This fair shows how steadfast Apple’s clients are and how they are constantly amped up for the new items they come out with.For a few people, they can’t live without their iPod or iPhone, so Apple’s clients truly trust the organization in furnishing them with an item that will assist them with making their life simpler. One of Apple’s primary qualities is the earth. They are tied in with structuring their it ems to be vitality proficient to decrease ozone harming substance emanations and need to dispose of unsafe substances. Apple structures are more slender, littler, and lighter than different items since many individual parts are supplanted with a solitary bit of aluminum (Apple).This empowers Apple to make increasingly proficient items with less material and littler bundling. The entirety of their items are likewise liberated from harmful materials and the materials they use in making their items are reused through their reusing programs. The heaviness of the materials they reuse is contrasted with the complete load of their items and Apple has figured out how to accomplish a reusing pace of half (Apple). So on being an extremely effective organization, they truly care about issues going on the planet and this is appeared in how their items are created.Customers can like the product(s) they are purchasing. In spite of the fact that reusing may appear of worry to just a little gathering of tree huggers, it ought to in actuality concern any individual who thinks about being spotless and slick since huge amounts of waste is delivered each day. In the event that individuals like straightforward ideas, at that point reusing is one of them since everything necessary is a wash in the canister and the Earth is turning into a cleaner place. iPad: What Apple Hopes To Be The Next Big Thing Just as of late Apple has propelled their most recent new item the iPad.The words â€Å"iPad is here† are in bolded letters and a major image of the item is indicated when buyers go to the Apple organization site. The iPad is expressed to be â€Å"a mysterious and progressive item at a mind boggling value beginning at $499† (Apple). Macintosh needs it clients to believe this is the best new item out there, so they additionally have guided visits and a rundown of highlights indicating what the iPad brings to the table. It additionally states on the site that it is â€Å"the most ideal approach to encounter the web, mail, photographs, and video hands down† (Apple).There are applications incorporated with the gadget to exploit the enormous touch screen and fundamentally anything should be possible on the iPad. It is fundamentally a mix of a cell phone and PC and Apple would like to â€Å"define the fate of versatile media and figuring devices† (Apple). Apple’s objective is to have this item be as gigantic as the iPod and iPhone. Dispatch of iPad Received Mixed Reviews When the iPad originally made advances available more than 300,000 were sold in the US and iPad clients downloaded more than one million applications from the App Store and more than 250,000 digital books from the iBookstore during the principal day (Apple).Based on this, the dispatch of the iPad is by all accounts quite fruitful. New York Times claims there are issues with the iPad, however we don’t need anybody to disclose to us that. Anybody acquainted with innovation has since quite a while ago realized that any new item will undoubtedly have defects. Here is a rundown of some from an iPad audit by David Pogue: * Certain models just get online in specific territories where Wi-Fi is accessible. * Ebook determination is restricted and digital books aren’t read well in direct daylight and can’t be perused on some other machine aside from the iPad. * iPad gets overwhelming in your grasp sooner or later and composing can be a test. iPad can’t play streak video, which is the Web’s most well known video design. * Can just utilize each application in turn, no USB jacks, and no camera for video talks. * If you as of now have a PC and a cell phone, for what reason would you need a third machine? (Pogue 2) All of these things show that the iPad despite everything has opportunity to get better. Be that as it may, this has occurred with a ton of Apple items and they keep on refreshing them by coming out with new forms. By doing this they can acquire clients and get more individuals keen on purchasing the iPad. The entire idea is still genuinely new and it tends to be difficult to convince individuals that the iPad is the best new item on the off chance that they are blemishes with it. The individuals who purchased the iPad right when it originally came out most likely didn’t consider these potential issues and just got it without really thinking since it looked perfect. Increment In Technology Is Why Materialism Is Rising So how does this identify with American realism? At the point when organizations like Apple come out with new items, everybody is truly keen on what they are about and need to be instructed on how this item can profit them.If they figure the item can improve their life, less complex, or simpler, they naturally need to get it. This is appeared through Apple’s site. With close up photos of the considerable number of uses and highlights of the iPad and nitty gritty portrayals with phrases like â€Å"there’s not at all like the mail application on iPadâ €  and â€Å"viewing photographs on the iPad is extradordinary† (Apple), clients get sucked into the item and imagine that the iPad is something extraordinary, which gets them increasingly keen on purchasing the iPad. They see everything the iPad can do very close, which is nearly on a par with giving it a shot by hand. This can accelerate the way toward purchasing the iPad or not and fulfills clients since they are getting the data they need on the item. They need to ensure the item will be helpful for them. Innovation is genuine and apparently, the most critical factor in American’s purchasing choices. Individuals need to stay aware of the patterns to live in a more altered society. This is the sole motivation behind why Americans need everything. Americans love the thought if something is new and imaginative, and since new items and thoughts are continually coming out they are continually being engaged and consistently need more to keep their interest.American realism is most likely going to proceed through people in the future, yet it isn’t fundamentally an awful thing. This is only an ebb and flow pattern in the public arena that individuals are looking into and need to find out about. There is nothing amiss with needing to purchase new items. Individuals can go through their cash anyway they need and use items however they see fit, shoppers will consistently be keen on whatever looks amusing to utilize and will make their life simpler.

How To Work Better

How To Work Better How to Start Being More Productive Home›Tips for Students›How to Start Being More Productive Tips for StudentsIf you have come to the conclusion you should be more productive, here are the best tips for you to follow. You will notice the changes pretty soon.    Best Success TipsBelow are some tips that will help you make your life better and easier as well as teach you to work effectively. Try them out and become more productive!1. Never wait for a particular day when you will start your dream project. The time is now!2.   Grand projects are the best triggers for your energy: they release it. So try to think about your ambitious goals at least for a couple of minutes every day.3. The mess is all about stress, so try to avoid messy situations and conditions in all aspects of your life. TV is one of the sources of stress, so get rid of it.4. Do your routine activities according to timetable. Wake up at the particular time and try to do it early in the morning. Afterwards, do some exercise and relax.5. Try not to multitask, because you get distracted. Don’t say yes to every offer you get and avoid energy vampires.6. Get fit. When you look good, you feel good, and this is one of the ways how to work better. “Sound mind in a sound body” is not just a proverb, it is a rule, so exercise.7 Drink enough water. To avoid exhaustion, you need to fill your body with water and stay hydrated.8. Try to work for 90 minutes. Then, make a break at least for 10 minutes to recharge and recover.9. Organize and prioritize things that you have to do first.10. Disappear. Sometimes, you just need to get away from people. It is a precious time for thinking, writing down ideas, and planning your future with no one to distract you.

Essay on Excessive Salaries in Professional Baseball

Abstract This paper addresses the issue of the extreme increases in salaries of major league baseball players. It looks at the effects of these increases on all areas of the game, from competitiveness, to fan appeal, to financial issues. It also looks at the different perspectives of all involved, including the owners, players, and the fans. Also shown in the paper are the possible solutions to the problem of baseball salaries, along with some of the possible negative outcomes in the future if nothing is done Baseball’s Skyrocketing Salaries It can no longer be said that baseball is just a game. Actually, it has been many years since that statement could be considered true. Only recently, however, did the entire nation, not†¦show more content†¦It is also interesting to examine the roots of free agency, which in the beginning was a good idea. In December 1975, Peter Seitz, at the time baseball’s arbitrator supported a grievance that two players had filed (Chass, 2000, par. 4). He ruled that when a player’s contract to a team expired, the player was free to choose from all interested teams. In theory, this is a good idea that is fair for players. They weren’t property of their original teams after contracts expired and were free to pursue other options, just as in the same way a businessman could look for a new job. However, there was no system in place to stop a bidding war between teams if the money was available. It also failed to take in to account the human ego. If a player sees a person with similar statistics getting paid more, then that player will demand the same amount of money, and this cycle continues endlessly. Salary arbitration is another cause of the salary inflation, which on average has resulted in a 100% increase of the average salary in recent years (Chass, 2001, par. 18). In short, salary arbitration occurs when a player and a team renegotiate the contract with a neutral third party officiating. If a player has a good season, and feels that he is getting underpaid, he can file for arbitration. Players win most of these cases, all they have to do is find someone with comparable statistics who is gettingShow MoreRelatedEssay Salaries in Major League Baseball1280 Words   |  6 PagesSalaries in Major League Baseball Every year, it becomes more obvious that many sports in America have problems. For years, Hockey has been criticized for its excessive violence. The National Football League has also been scrutinized for this reason as well as the fact that many of the top players have constantly been in trouble with the law. Major League Baseball is no different. The situation with baseball is more complicated, and is not only ruining the game itself, but also drawing millionsRead MoreDescriptive Statistics Essay3837 Words   |  16 Pagesbeloved sports in America is Major League Baseball. This professional sport spends billions of dollars each year enhancing the chances to reach the ultimate goal in winning the World Series. Major League Baseball is one of the few remaining sports that have an uneven balance in the franchise wage capacity to acquire top talented players. The areas of concentration in this research paper will be player salaries, winning percentage, player performance, and salary caps. The disparity in payroll numbersRead MoreMlb Salary Cap Is Needed1814 Words   |  8 Pagesconcern to them. However, this is not the case. In the MLB, the New York Yankees spend an excessive amount of money every year to obtain big name players. A luxury tax was put into effect for teams that go over the spending limit. However, the Yankees are the only team that pays the tax because they are the only team that exceeds the spending limit. The players, coaches, fans, and I have argued that a salary cap would be the best possible way to allow teams in the Major Leagues an equal opportunityRead MoreCollege Athletes Should Be Paid1617 Words   |  7 Pagesathletes are given a full scholarship for the sport that they are playing, but that doesn t give them money for living expenses such as groceries, food off campus, clothing, or even a night out on the weekends. College athletes should be given a certain salary for the semester, not only will it teach them managing money but also give them the money that they have earned for their job like extra curricular activity. Most athletes come from low income households where there families depend on them to contributeRead MoreCja 520 Federal Torts Act 19461622 Words   |  7 PagesActs of 1946 Jenna Smith CJA 520 Professor Mark Holley July 30, 2011 Introduction In the United States today if you as an officer put either you or your department in a liability, for any type of act that is not warranted and handled in a professional manner you are opening yourself for a number of different actions which could hurt both you, your department as well as causing you to loss everything that you own, just because you decided to not following proper protocals which were developedRead More Sports and Gender Essay1653 Words   |  7 Pagesregarding sport and gender. Early on, sport was created to serve men, evolving as a celebration of maleness, valuing strength, power, and competition. It idealized, promoted, and rewarded successful, elite athletes, established â€Å"the dream† as a professional career in sports, and viewed mass participation in sport as a tool to weed out the weak (Hill, 1993). In contrast, women’s sports originated to â€Å"address the expressed need for healthful exercise† (Huckaby, 1994). Unlike the competitive warriorRead MoreCollege Athletics Are Great For Many Reasons1834 Words   |  8 Pagesit give young men and women the opportunity to play the sport they love, it markets colleges and universities very well. Some athlete’s ways of getting out of struggles back home is through their sport, and for most sports, before they step on a professional field, they have to play in college first. Although college athletics have many great aspects about it, there also negative features that highlight college athletics. In recent years, the payment of college athletes, and if it should happen orRead MoreShould College Athletes Be Paid?1810 Words   |  8 Pagesschemes to roster sizes of over 300 players with as many as 100 on scholarship (Estler 6). Excessive scholarships caused a larger separation in competition between larger schools and smaller schools that couldn’t afford to offer as many academic scholarships. A fine line was drawn between schools that valued athletic achiev ement equally to academics and schools that significantly emphasized the latter. Professional football and basketball growth towards the midway point in the 20th century caused theRead MoreA Study On Employee Engagement2133 Words   |  9 Pagesworkers often become demoralized, and as a result, either leave their positions in search of something easier or more profitable or do less at work. Traditional approaches to motivating and retaining health workers, such as paying slightly higher salaries or providing occasional training, have failed to close these motivational gaps. Around the world, health care delivery organizations have struggled to identify causes and implement solutions to sub- par performance, low motivation, and high turnoverRead MorePolice Brutality : A Law Enforcement Officer4738 Words   |  19 Pagesare often regarded as unreliable. It is well known that a law enforcement officer doesn’t make a ton of money and they must deal with a lot more problems compared to the higher paid jobs. It is said that because of a law enforcement officer s salary could be the main reason why so many officers become corrupted. Their job entails issuing traffic citations to citizens who try to talk their way out of a ticket, dealing with prostitutes who feel hassled by police, and arresting drug users who

The History of Advertising and Advantages and...

Introduction What do you think of when you see an advertisement? Do you first notice the talent they are using? Does the colors used in the ad attract your attention? Or maybe the word play they use in the ad? Advertisement is part of our daily life. We see advertisements everyday, everywhere. Be it on TV, radio, magazine, newspaper, billboards, posters, etc. The advertisements that we see are shown to us through the help of media. Media is correspondence channels through which news, entertainment, education, information, or special messages are spread. Media incorporates each TV and narrowcasting medium, for example, daily papers, magazines, TV, radio, billboards, direct mail, telephone, fax, and internet. Media is now divided into two†¦show more content†¦This monthly newsletter was used to convey economic, political, and military news throughout Europe. It became popular in Europe especially in Italy during the 1500s. In the 17th century, the term newspapers became popular and widely used. Many countries in Europe published their first newspapers during this period. The Germans was said to be the first one to publish newspapers. Their first publication was called â€Å"Relation aller Fà ¼rnemmen und gedenckwà ¼rdigen Historien† printed in the year 1605 by Johann Carolus. Other early newspapers were Dutch’s â€Å"Courante uyt Italien, Duystlandt, c.† Meanwhile, the first publication published in the United States was Benjamin Harris â€Å"Publick Occurrences Both Forreign and Domestick† in the year 1690. The magazines were first published in the 18th century. The first magazine in Britain, â€Å"The Gentlemen’s Magazine†, was published in London in the year 1731. Radio first began in the year 1887 when Heinric Hertz discovered radio waves. Frank Conrad was the first person to start radio broadcasting which he did at his garage. He broadcasted sports, news, and music while giving free advertising spots to people. He started broadcasting in the year 1916. The world’s first commercial radio station is Pennsylvania’s Newsradio 1020 KDKA. With the improvement of technology, internet radio is now available. Another example of traditional media is television. Television is a medium for people to see the larger worldShow MoreRelatedMarketing : Marketing And Online Marketing4541 Words   |  19 Pagesregulate the Global Online Service in Hilton Hotels †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦...†¦.. 8 4. Effectiveness of Online Marketing in Hotels Business †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..... 9 4.1 Advantages and Disadvantages of Online Marketing †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.... 9 4.1.1 Advantages of Online Marketing .................................................................................... 10 4.1.2 Disadvantages of Online Marketing ................................................................................ 10 4.2 Effectiveness of online marketing inRead MoreImpact Of Online Marketing On Hospitality Industry4075 Words   |  17 Pagesregulate the Global Online Service in Hilton Hotels †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦...†¦.. 8 4. Effectiveness of Online Marketing in Hotels Business †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..... 9 4.1 Advantages and Disadvantages of Online Marketing †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.... 9 4.1.1 Advantages of Online Marketing .................................................................................... 10 4.1.2 Disadvantages of Online Marketing ................................................................................ 10 4.2 Effectiveness of online marketing inRead Moremarketing : ray ban report2279 Words   |  10 Pagesseen as a symbol of rock and roll and worn by the top artist. It then progressed in the 1960’s of an accessory for Hollywood stars and a large accessory for females. In the 1970’s ray ban was perceived as a glamorous item and extremely stylish and modern to both men and women. Then from the 1980’s onwards ray ban markets to the everyday person from every background. In the year of 2013 Ray Ban generally targets everyone from any age as it is a well-known brand appeals to most of the market. MarketingRead MoreYunnan Baiyao1262 Words   |  6 Pagescontusions and strains. The business has undergone changes in the recent years to modernize not only the structure of the company but also with the aim to diversify its market and products in order to remain competitive at a global level. The long history of Yunnan Baiyao’s brand is facing the inevitable maturity of the product lifecycle. As the majority of the company’s revenue is generated through the domestic market the urgency for product diversification is needed to source out new growth opportunitiesRead MoreThe Role of Advertising in Marketing Communications9872 Words   |  40 PagesTHE ROLE OF ADVERTISING IN MARKETING COMMUNICATIONS Marketing communications: Marketing communications are the means by which firms attempt to inform, persuade, and remind consumers – directly or indirectly – about the products and brands that they sell. In a sense, marketing communications represent the â€Å"voice† of the brand and are a means by which it can establish a dialogue and build relationships with consumers. Marketing communications perform several functions for consumers. Consumers canRead MoreWhat Is a Monopolistic Competition2482 Words   |  10 Pageseven though no physical differences exist. Such perceived differences are usually accomplished through advertising, especially by establishing brand names. Brand names, in fact, are a common way to create the perception of differences among products, even if none physically exist. For example, Coca Cola is chemically identically to Tesco Brand Cola . However, due to years of intense Pepsi advertising that has burned the Pepsi brand name into buyers brains, most are absolutely convinced that Pepsi isRead MoreCompany Background of Kee Wah5137 Words   |  21 Pagespushing the envelope of modern Chinese pastries by re-invention old-day favorites with modern touches, by incorporating new ingredients and tastes into a wide variety of traditional and innovative new products. Mission Statement Kee Wah is a traditional family operated company with modern management style that strives to preserve the long tradition of Chinese pastries while at the same time adheres to the philosophy of high quality and hygiene standard demanded by modern day customers. All packagingRead MoreCase Study : Sandwich Station, A Best Known And Loved Sandwich Concession1458 Words   |  6 Pagesthe business value proposition. Business Form For growth strategy, that Jack’s Sandwich Station is going to pursue, raising capital is important. However, it is one of the disadvantages of such business forms as sole proprietorship, which is the current way Jack’s business is conducted. On the other hand, it is the advantage of partnership in capturing additional sources of investment capital. In addition, partnership is recommended for Jack’s Sandwich Station as it can raise larger financial resourcesRead MoreCompany Background of Kee Wah5144 Words   |  21 Pagespushing the envelope of modern Chinese pastries by re-invention old-day favorites with modern touches, by incorporating new ingredients and tastes into a wide variety of traditional and innovative new products. Mission Statement Kee Wah is a traditional family operated company with modern management style that strives to preserve the long tradition of Chinese pastries while at the same time adheres to the philosophy of high quality and hygiene standard demanded by modern day customers. All packagingRead MoreThe Strategic Importance of Department Stores Within the Fashion Industry2927 Words   |  12 PagesMarcus, Barneys etc. in the USA. There are many department stores which have faded business-wise because of the changing economy, but still remain evoked because of history. Anyway, with time many of these names have seemed to alleviate itself. However, even though department stores are highly recognizable because of their name and history with regards to the brands they carry and their high end products, nowadays outlet stores are becoming much more popular because of their even lower pricing. Because

Standard Operating Procedure (Sop) Free Essays

STANDARD OPERATING PROCEDURE (SOP) A Standard Operating Procedure is a document which describes the regularly recurring operations relevant to the quality of the investigation. The purpose of a SOP is to carry out the operations correctly and always in the same manner. A SOP should be available at the place where the work is done. We will write a custom essay sample on Standard Operating Procedure (Sop) or any similar topic only for you Order Now A SOP is a compulsory instruction. If deviations from this instruction are allowed, the conditions for these should be documented including who can give permission for this and what exactly the complete procedure will be. The original should rest at a secure place while working copies should be authenticated with stamps and/or signatures of authorized persons. In the case of Delima Enterprise Sdn. Bhd. There should be several SOP which is: 1. An authorization a. En. Zayed should be the one who control decision on planning of the company while Pn. Hashimah could control decision on financial of the company. b. There should be one person who authorize each department and have one assistant. c. The company could hire someone with more experience to guide Cik Amy. 2. Record Bookeeping a. All the documents of transaction happened must have another copy for other departments. b. All the copies documents must be properly kept and numbered. 3. Internal Control a. Pn. Hashimah must concentrate on financial control and segregate other duties to someone else. b. Install new punch card system. c. Send all staff to the training. d. Recruitment and hire an experience person. How to cite Standard Operating Procedure (Sop), Papers

The Adventure of The Speckled Band Essay Example

The Adventure of The Speckled Band Paper I think the reader and Holmes thinks he is capable of committing a crime as firstly the size and strength of him enable to easily overpower or extremely hurt some one. He also seems slightly apprehensive that Miss Stoner has been talking to Holmes in case he could possible get found out about something. He also has a motive as if his step-daughters were to marry, he would have to pay our i 250 to each of them, and inconveniently one of his step-daughters is shortly to marry. I think he is a stereotypical villain as he is a very big, tall being and is very angered towards Holmes and many other people. In the end Dr Grimesby Roylott succeeds in killing of his daughter by using his deadly Indian snake so he does not have to part with any of his money, however, his plan backfires and the snake turns on its owner and he is the victim of a deadly bite. In the story Watson describes Holmes as a very well dressed person with good manners and overall follows the role of typical gentlemen. He tells us of Holmes being a late riser, as a rule. This suggests Holmes gets his own way no matter what and he is very strong willed. We will write a custom essay sample on The Adventure of The Speckled Band specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on The Adventure of The Speckled Band specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on The Adventure of The Speckled Band specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Holmes behaves very calmly and cautiously when faced with a client, also when he comes under threats from Dr Grimesby Roylott makes an unexpected entry to Holmes office. He also make sure he takes in every minor detail when dealing with a case to help give him the best chance of solving it and not making any mistakes, You have come by train this morning, I see whatever your reasons maybe, you are perfectly correct. I think the author wants us to see Holmes as a very intelligent and inquisitive person who is very good at his job. He is also very reassuring and comforting as shown by when Helen Stoner is in distress about her situation after telling him what has been happening, Holmes reached forward out of his chair and stroked Miss Stoners forearm. Holmes carries out his investigation carefully by visiting Helen Stoners residence personally and examining every possible cause of the crime. He is also asks lots of questions to make sure everything is clear in his mind and he is sensible and doesnt want to take any unnecessary risks as he tells Watson to slip his Revolver into his pocket as his life may depend on it. But this does suggest he his willing to endanger himself to some extent. Holmes solves the crime by way of elimination until he is satisfied that each possibility was not the cause. Holmes dominates the story as he is the main character and has a very important role as he is the one to be solving the crimes at the end of the day. Conan Doyle reflects the fact that the Police were not very good in ways of solving the many murders and other crimes that were happening at the time and therefore many people who had the money would turn to private detectives such as the likes of Holmes to get a better chance of the crime being solved. There are two main settings in the story, Holmes office and Stoke Moran. There seems to be a link between the two main characters in the story and the two main settings. Holmes office is warm and welcoming, just like him, Ha! I am glad to see Mrs Hudson has had the good sense to light the fire. This link in called pathetic fallacy, where the mood and the atmosphere compliments the scene. Stoke Moran is unlooked after, rundown and rather abandoned-looking, just like Dr Grimesby Roylott. In the text itself, these two settings are described. Firstly, Holmes office is welcoming and we can gather this from Holmes himself, who when asked by Watson what is going on, he tells of that there is a young woman waiting for him in the sitting room, this suggests that he has unhesitatingly welcomed her in and allowed her to make herself at home, we also know that he has got up early especially to meet her. Holmes office is warm and welcoming, just like him, this is suggested by Ha, I am glad Mrs Hudson has had the good sense to light the fire. This link in called pathetic fallacy, where the mood and the atmosphere this suggests Holmes has his own place well organised and he wants the best for his guests. This is back up by I shall order you a cup of coffee as I observer you are shivering, which again suggests he wants the best for his clients. On the other hand, Stoke Moran is described as the family ruin and after the past century nothing was left save a few acres of ground. It is unlooked after, rundown and rather abandoned-looking, just like Dr Grimesby Roylott. I think the settings do fit a classic story as one setting seems to be duller and gloomier (Stoke Moran) than the other (Holmes Office). This is interesting as the villain and also the crime is situated at Stoke Moran. The atmosphere in Stoke Moran is cautious and apprehensive as is the mood, this fits with the scene as the outside is dark and dreary. There seems to be a totally different atmosphere of Stoke Moran for different times of the day. When Holmes is travelling there with Watson to examine Stoke Moran, Watson tells of how delightful the surroundings on a lovely sunny day. However, when Holmes and Watson are waiting for the signal to invade Stoke Moran to carry out further investigations they are met with very dark and gloomy surrounding and are very careful to watch their step, especially as they aware of the wild animals roaming free. It is also interesting to see the contrast between travelling to Stoke Moran and arriving there. The story is put together in chronological order and in terms of when the mystery of the story is being described, which also includes some flashbacks of events from Holmes client. The story isnt too long but is longer than a typical short story as in this one there are lots of events and red herring presented as well such as when it was first thought the gypsies were to blame for the low whistle in the dead of night and also because of the fact they were bandanas. These are used to keep the reader involved and also help to create unexpected events later on. Conan Doyle uses short sentences and victims speech to build up tension, e. g. It is not cold which makes me shiver, It is fear Mr Holmes, it is terror. He uses long sentences to keep the writing flowing and the reader reading on without stopping to take in all the information. The story is narrated by Watson who is Holmes side kick, this is interesting as what he is telling us in the story is primary evidence as he is one step behind Holmes all the way, as well as we, the readers are too. We also arent in doubt about its reliability even though he does include bias positive comments on his friend, such as I had no keener pleasure than if following which were submitted to him

Final Fantasy essays

Final Fantasy essays Based on the video game series, Final Fantasy- The Spirits Within is an action packed and dramatic science fiction movie with a completely computer generated cast. It is also the only film adaptation made by the game developers (Square Pictures), who designed Final Fantasy with a complete series of original stories. This is probably why the popular video game franchise is so well suited for film adaptation, even though the movie features entirely new characters and settings. The Spirits Within utilizes digital actors and impressive graphics to introduce a new genre of filmmaking to the movie community as well as a new exploit for design to the game community. Unlike many other game adaptation films such as Tron and The Wizard, The Spirits Within does not emphasize game-play at all. There is no video game theme whatsoever, which brings out the humanistic qualities in the characters. The lack of game-play emphasis is also a prominent factor in flaunting the films impressive graphic art design, CGI development, and multipart storytelling. Since Final Fantasy the game series consists of so many chronicles, an intricate narrative was certainly complementary. The Spirits Within treats the topic of games very prolifically. If you have ever played an innovative video game, you have probably watched short clips of narratives within the video game which tell the story behind the game. This film is basically a full-length feature of those narratives. It tells the viewers a science fiction story in an original manner. The only exception is that there is no emphasis on game-play, which actually helps to enhance the films sense of realism. The characters are much more dynamic when they are depicted separately from the video game. This also facilitates the unconventional imagery on the big screen to be accepted by small screen audiences. Viewers of this film include both gamers and non-gamers, whi ...

Cómo recuperar la ciudadanía americana

Cà ³mo recuperar la ciudadanà ­a americana Es posible que una persona que en el pasado fue ciudadano de los Estados Unidos y perdià ³ esa condicià ³n puede recuperar la ciudadanà ­a, siempre y cuando se cumplan los requisitos que pide la ley. Es cierto que en la actualidad, y con las leyes que hoy aplican, es muy difà ­cil que un ciudadano de los Estados Unidos pierda su nacionalidad, excepto en los casos de hechos gravà ­simos en contra del paà ­s o cuando una persona asà ­ se desea expresamente. Sin embargo, hasta hace poco, era  un hecho no infrecuente. En este artà ­culo se informa quià ©nes perdà ­an segà ºn las leyes antiguas y pierden segà ºn las actuales la ciudadanà ­a de forma involuntaria y quià ©nes pueden recuperarla, quà © requisitos deben cumplir y quà © trmites deben seguir. Casos en los que antes se poda perder la nacionalidad de EEUU involuntariamente Hace aà ±os, las leyes que regulaban la nacionalidad americana eran distintas de las actuales y,  bajo la legislacià ³n que aplicaba en el pasado, un buen nà ºmero de ciudadanos perdieron la ciudadanà ­a sin que esa fuese su voluntad, simplemente porque asà ­ era la ley. Por ejemplo, y en primer lugar, las personas nacidas fuera de Estados Unidos entre 1934 y 1978 y que adquirà ­an la ciudadanà ­a estadounidense porque uno de sus padres tenà ­a dicha nacionalidad, podà ­an perderla si no se mudaban a Estados Unidos y tenà ­an presencia fà ­sica en este paà ­s por un nà ºmero de aà ±os. Es lo que se conocà ­a como el requisito de retencià ³n.   Asimismo, en segundo lugar, en el pasado y antes de que Estados Unidos reconociese la doble nacionalidad  se castigaba con la pà ©rdida de la ciudadanà ­a a los estadounidenses que adquirà ­an otra nacionalidad. Incluso aà ºn despuà ©s de admitirla, surgà ­an problemas para los americanos que vivà ­an en un paà ­s del que tambià ©n eran nacionales que prohibà ­a la doble nacionalidad y exigà ­a, en algà ºn momento, la renuncia al pasaporte americano para poder conservar el del paà ­s en el que vivà ­an. Incluso algunos paà ­ses exigà ­an prestar unos juramentos de lealtad, que las oficinas consulares americanas consideraban que eran una renuncia a la ciudadanà ­a de los Estados Unidos. En tercer lugar, otro caso en los que la ley preveà ­a la pà ©rdida de nacionalidad se daba cuando con anterioridad a septiembre de 1922 un estadounidense que residà ­a fuera de EE.UU se casaban con un extranjero. En cuarto lugar, otro ejemplo de pà ©rdida de nacionalidad involuntaria era el de las personas que adquirà ­an la nacionalidad mediante naturalizacià ³n y la perdà ­an si no continuaban residiendo dentro de los Estados Unidos. Sin embargo, tener en cuenta que esto ya no sucede ahora. Por à ºltimo, y en quinto lugar, un caso distinto pero relacionado con este tema es el hecho de que con anterioridad a 1934 los nià ±os nacidos en otro paà ­s sà ³lo podà ­an adquirir la ciudadanà ­a americana por parte paterna. Es decir, los nià ±os nacidos fuera de Estados Unidos que eran hijos de mujer estadounidense y padre extranjero no recibà ­an la ciudadanà ­a. Se puede recuperar la nacionalidad estadounidense? En primer lugar destacar que cuando la ciudadanà ­a se pierde de un modo voluntario es para siempre. No hay vuelta atrs, asà ­ que antes de dar el paso es conveniente pensarlo mucho e incluso consultarlo con un abogado de inmigracià ³n. Los casos ms comunes son los de renuncia para no pagar impuestos. En lo que respecta a los casos de pà ©rdida involuntaria, la respuesta depende del caso. En algunos casos no es posible recuperar la ciudadanà ­a de los Estados Unidos, mientras que en otros sà ­. Y es que la Ley de Correcciones Tà ©cnicas de Inmigracià ³n y Naturalizacià ³n que se aprobà ³ en 1994 y que se conoce por sus siglas en inglà ©s de INTCA abrià ³ el camino a posibles recuperaciones en casos especà ­ficos. Por ejemplo, por aplicacià ³n de esta ley se reconoce la ciudadanà ­a americana a las personas nacidas fuera de los Estados Unidos con anterioridad al 24 de mayo de 1934 que tenà ­an un   padre extranjero pero madre ciudadana cuando à ©sta cumplà ­a el requisito de aà ±os vividos en EU antes del nacimiento del hijo o hija, al que ahora por aplicacià ³n de INTCA se le reconoce su condicià ³n de estadounidense. Adems, se establece un camino para la recuperacià ³n de la nacionalidad para todas aquellas personas nacidas fuera de EU entre 1934 y 1978 y que la habà ­an adquirido al nacer porque uno de sus padres eran estadounidenses pero ms tarde la perdieron por no cumplir el requisito para retenerla de presencia fà ­sica en los Estados Unidos. La forma a seguir, por aplicacià ³n de la seccià ³n 324 (d) de la Ley de Inmigracià ³n y Ciudadanà ­a (INA) es hablar con el consulado o embajada de los Estados Unidos ms cercano al lugar de residencia y solicitar prestar el juramento de lealtad al paà ­s. Lo que se conoce en inglà ©s como el oath of allegiance. Y con esto es suficiente para recuperar la ciudadanà ­a. A mayores, aunque no es necesario sà ­ que es conveniente solicitar un Certificado de Ciudadanà ­a (formulario N-600) para poder probarla y tambià ©n para pedir algunos de los posibles beneficios como, por ejemplo, el pasaporte. Asimismo, desde 2002 podrà ­an recuperar la nacionalidad estadounidense las personas que la perdieron con anterioridad al 22 de septiembre de 1922 por haberse casado con un extranjero y residir fuera de los Estados Unidos. Y tambià ©n los que con posterioridad a dicha fecha la perdieron por contraer matrimonio con un extranjero considerado como inelegible para la ciudadanà ­a.   En estos dos à ºltimos casos del prrafo anterior,   la recuperacià ³n se hace mediante un trmite de naturalizacià ³n. Hay que cumplir con requisitos adicionales y en algunos casos incluso no es necesario. Por sus particularidades, las personas en estos casos de pà ©rdida de nacionalidad por cuestià ³n de matrimonio deberà ­an asesorarse con un abogado sobre el procedimiento a seguir. En los dems casos en los que se ha dejado de ser americano involuntariamente se pueden escribir una carta muy detallada con especificaciones de su caso y pidiendo recuperar la ciudadanà ­a. Incluir entre otros datos el nombre completo, la fecha y lugar de nacimiento, telà ©fonos de contacto, las razones por las que se pierde la ciudadanà ­a y tambià ©n cul era la intencià ³n hacia dicha ciudadanà ­a en el momento en que se produce la pà ©rdida. Enviar la informacià ³n a: U.S. Department of StateOffice of Leal Affairs (CA/OCS/L)600 19th  Street, N.W.- 10th  Floor600 19th Street, NWWashington, D.C. 20431 Si se utiliza servicio de correo exprà ©s. Por el contrario, si se utiliza correo ordinario la direccià ³n es la siguiente: U. S. Department of StateDirectorOffice of Legal Affairs (CA/OCS/L)Overseas Citizens ServicesU.S. Department of StateSA-17, 10th FloorWashington, D.C. 20522-1707 Tambià ©n se puede contactar por correo electrà ³nico, telà ©fono o fax: Tel: 202-736-9110Fax: 202-736-9111Email:  ASKPRIstate.gov Corresponde al gobierno decidir si concede o no la peticià ³n para que una persona recupere la ciudadanà ­a y lo har teniendo en cuenta los mà ©ritos particulares de cada caso. Es conveniente saber que el proceso puede demorarse varios meses antes de tener una respuesta. Lo habitual es una demora entre 4 y 6 meses. Por à ºltimo, si la peticià ³n es concedida la persona tendr que jurar lealtad a los Estados Unidos  y sà ³lo a partir de entonces volver a gozar de los derechos de ser americano como, por ejemplo, votar en las elecciones, ser elegido representante, viajar con pasaporte de ese paà ­s, tener acceso a ayudas sociales reservadas para ciudadanos y pedir los papeles para familiares. Aclaraciones, derechos y obligaciones a tener en cuenta Por lo tanto, los hijos que se tuvieron en el tiempo en el que una persona perdià ³ la ciudadanà ­a y antes de recuperarla no obtienen automticamente ningà ºn beneficio, en otras palabras, no se convierten ni en ciudadanos ni residentes permanentes. Sin embargo, si se cumplen los requisitos, la persona que fue ciudadana, perdià ³ la ciudadanà ­a y posteriormente la recuperà ³, podrà ­a iniciar los trmites para pedir la green card para esos hijos y otros familiares  en el momento en que recupera la ciudadanà ­a.   Asimismo, tener en todo momento presente que la ciudadanà ­a americana brinda derechos, lo cierto es que tambià ©n lleva aparejada obligaciones, incluso para las personas que residen habitualmente o siempre fuera de los Estados Unidos. Respecto a esos à ºltimos, siguen obligados  pago de impuestos  y, en el caso de varones, es aconsejable familiarizarse con el Servicio Selectivo, ya que es necesario registrarse. Este artà ­culo es meramente informativo. No es asesorà ­a legal.

Tthe First Bank of the United States Essay Example | Topics and Well Written Essays - 2000 words

Tthe First Bank of the United States - Essay Example They needed to shore up their own fiscal policy and standardize a currency that could be adopted nationwide and begin to get the country off on the right financial footing. The First Bank of the United States was an effort to do this, and its charger came into effecting 1791. While certainly far from perfect, nor even ideal in the eyes of many, it was a solid first effort by the founding fathers of the nation to set the country on the right path to financial security and freedom, in addition to their newfound global independence. They also wanted to show the world that the nation was capable of not only paying back its debt, but also in handling its own internal needs moving forward. This was seen as a necessary first step towards establishing domination throughout the region and keeping potential invaders from arriving on the shores of the young country. To understand this First Bank, one needs to discuss the background of Hamilton’s Plan, the economic policy associated with the Bank, and its eventual implementation. While the First Bank of the United States was all about creating fiscal policy for the new country, it is still important to remember that it was also an actual physical building. The bank itself was built in Philadelphia, which at that time of the capital of the country. Alexander Hamilton was the brainchild behind the concept of the bank, and his desire was to implement a mechanism by which the United States, and each individual state within the union, could begin to tack its monumental debt as a result of the Revolutionary War. Prior to the creation of the bank and the implementation of its charter, coins and paper currency were actually issued by state banks, and these individual currencies combined to form the national currency. For obvious reasons, if the Union was going to succeed, they had to nationalize its monetary

Around the World Essay Example | Topics and Well Written Essays - 1000 words

Around the World - Essay Example Channel Access: Access of the alliance company to the various channels required for the business. Local Laws: Local laws with respect to formation of alliances need to be considered. Competency and Value of the Alliance Company: Competency of the alliance company and the value that it adds to the alliance is key to a successful alliance. The alliance must take the form of an international joint venture. International joint venture is an economically and legally separate organizational entity that has been created by 2 or more parent organizations with the objective to achieve strategic objectives. Parent companies invest both financial and other resources at disposal into the alliance (Schuler et al., 2004). A joint venture alliance has various advantages and is best suited in the current case. The major challenges for Around the World in establishing an international joint venture is shareholdings, human resource management, skills sharing and knowledge transfers. These challenges c an be overcome by effective and early planning. Share holdings and control structures of the partners need to be established and agreed upon before the alliance materializes. There are various ways to effectively manage the HR issues and, the knowledge and skill management issues. A four stage model of formation, development, implementation and advancement can be used to effectively to handle the challenges (Schuler & Tarique, 2004). Case Study 2 Following are the discussion points for the three questions at the end of the case study: 1. Aditya Birla Group adopted a growth strategy that made great business sense. The group exited from any business that did not offer them greater presence in the global market or the business which had registered losses. The group diversified and adopted businesses whose operations gave the group global presence and lead to acquiring of competencies in the market. The company built a business portfolio which is not limited to a single industry. The po rtfolio demonstrates the group’s ability to run different businesses efficiently and also has contributed to various revenue generating sources which has made the group immune to economic downturn in certain market or industries. 2. Various initiatives were taken by the group under the leadership of Kumar Mangalam Birla which has contributed to the group’s success. Gyanodaya was a great initiative which helped in the transfer of best practices. Appointment of new managers gave rise to a new dimension in the group’s leadership. Continuous learning and developing of human resources was one of main motive behind many of the initiatives. 3. Aditya Birla Group has addressed its second part of the mission – â€Å"Indian Values† by actively involving and contributing to the development of the country. It is presently working in 3700 villages. It is concentrating on health care, sustainable livelihood, infrastructure, education, social causes, etc through its Aditya Birla Centre for Community Initiatives and Rural Development. It is running around 18 hospitals and 14 schools. Case Study 3 In order for Aston Restaurant to extend their business to China, they have to consider various factors and the two important factors are the market and the localization. Market No two markets are same and there are numerous differences that have to be looked into. The following various issues/factors have to be addressed or considered for Aston to successfully expand to China: Language: Language is a primary barrier here and Aston has to ensure that language i.e., communication must not hinder the business. Chinese is the primary language used in China. Customs and Practices: The customs and practices in China are different from those in other countries. In

Pragmatic Justification Essay -- Philosophy, Bertrand Russell

Bertrand Russell, one of the most influential philosophers of the modern age, argued extensively in his book, â€Å"The Problems of Philosophy†, that the belief in inductive reasoning is only rational on the grounds of its intrinsic evidence; it cannot be justified by an appeal to experience alone (Russell 1998). Inductive reasoning refers to a form of reasoning that constructs or assesses propositions that are generalizations of observations (Russell 1998). Inductive reasoning is thus, in simple terms, probabilistic. The premises of an inductive logical argument provide some degree of support for the conclusion, but that support is in no way definitive or conclusive (Browne, 2004). Yet even if one agrees with Russell and concludes that there are no rational justifications for the principle of induction in and of itself, one can still maintain that there is a pragmatic justification for maintaining a belief in the principle. Simply put, there are still perfectly sound rea sons for behaving as if the principle of induction holds true, regardless of whether or not the principle itself is rationally justifiable (Browne, 2004). This type of justification can be used across many of the belief systems that we as human beings hold, even stretching to the playing field of religion. In this paper I will outline not only why it is pragmatically justifiable to believe in the principle of induction, but also why it is equally as justifiable to believe in an infinite God, regardless of whether or not deductive reasoning provides us with definitive support for such conclusions. Let’s begin by examining the issue of universal order and the Problem of Induction. The problem with inductive reasoning is that it is based on the assumption that ... .... Yet for our own happiness and peace of mind, we must believe that past occurrences, such as the sun rising yesterday and the thousands of days before that, provide us with perfectly good evidence for believing that tomorrow the sun will rise again. By the same token, we can rationally support a belief in God, even if we cannot provide conclusive evidence for His existence (or non-existence). These types of pragmatic justifications are, I believe, essential to the happiness and well-being of human beings. Regardless of whether or not the arguments for the merit and existence of both God and the principle of induction hold any water whatsoever, the optimistic approaches to the problems are in no way harmful. They allow us to live our lives in relative happiness, regardless of the fact that we ultimately can be certain of so little in the universe we live in.

Benihana Of Tokyo Essay

1. What is the Benihana concept? The Beninhana of Tokyo, basically a Japanese Steak House has a very unique concept in terms of the idea of watching the food being cooked live on the table in front of eyes. Benihana featured traditional Japanese cuisine experience in the urban U.S metropolis. It was the first introducer of Hibachi Cooking style in USA, celebrating the cooking of food so alive and entertaining. This experience comes with Teppanyaki tables which accommodated eight people and live cooking of food with service being provided by a chef and a waitress. The concept featured a chef dramatically preparing meals while engaging the eaters around him at the Teppanyaki Table which gave a totally new dining experience. The chefs were mostly trained for the showmanship and the Benihana form of cooking from Japan. This gave a feeling of exclusivity as each table had its own chef and waitress resulting in high engagement and participation from customers end. Benihana not only started with an adopted innovative cooking experience (something that did not exist in USA Before) but also featured Japanese historical authenticity in its design layouts and interior dà ©cor, the walls, ceilings, beams, artifacts and lightings were all from Japan to create a Japanese effect in the restaurant. 2. How does Benihana`s cost structure differ from that of a typical sit-down restaurant? The cost structure of Benihana differs a lot from that of a typical-sit down restaurant resulting in lesser costs and higher profit: Rocky borrowed the method of Hibachi Table to counter the problem of availability and cost of labor and by eliminating the need for a conventional Kitchen, the cost of labor was around 10%-12% of sales as compared to industry average of 30%-35%. By reducing the menu to simple three entrees the wastage was reduced and can cut food costs by 30%-35% compared to the industry average of 38%-48%. The cost of beverages as percent of sales was 20% for Benihana as compared to the industry average of 25-30% resulting in higher gross profit. Due to parental management relationships with the staff, the management salaries were around 4% of Benihana as compared to the industry average of around 6% were lower. Though the sites were chosen carefully but the rent was usually lower for benihana around 5% compared to industry average of 9%. Benihana on average advertised more than the industry and deliberately sent advertising messages to position it differently. Benihana spend 10% of its sales on advertising while the industry only spends 2%. Net Profit after income tax was relatively higher than the industry average for benihana.

A Brief Note On The American Criminal Justice System Essay

Running head: CRIMINAL JUSTICE SYSTEM 1 CRIMINAL JUSTICE SYSTEM 14 Racism in the American Criminal Justice System Mia Hayat Antioch University Abstract This paper discusses the social justice issue of discrimination in the American criminal justice system. It reveals the history behind the integrated racism in the system and its effect on people of color. The key organization, Black Lives Matters, addresses the issue and is critically analyzed. A new solution that improves upon the social justice issue by targeting youth is presented. Keywords: racism, criminal justice system, 13th Amendment, Black Lives Matter Racism in the American Criminal Justice System Racism in the U.S. criminal justice system is a big issue faced by the nation. This prejudice is strongly expressed today in its massive incarceration rate among minorities. People of color are being targeted by a bias system created by people with a bias mindset. 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Childhood Adversity And Substance Abuse - 1806 Words

Childhood Adversity and Substance Abuse Joceline Nieves SUNY New Paltz Introduction The Center for Disease Control reports about 3.4 million children being abused or neglected in the United States in 2012 and 1 in 4 children will experience some form on abuse, maltreatment or household dysfunction while growing up. (Campbell, 2015).Past research has shown a relationship between Adverse Childhood Experiences and substance abuse as an adult. Risk factors in the form abuse and neglect as child may cause a higher likelihood of substance abuse as an adult. Font and Jack (2015) also says that poor socioeconomic circumstances are associated with poor health conditions. Someone who scores with multiple adverse childhood experiences may report social and economic problems as an adult, such as financial hardship, homelessness and not making it through high school or an undergrad program (Font and Jack, 2015). Font and Jack (2015) also discuss in their study that individuals who scored with four or more adverse childhood experiences were more likely to report poor health. These people report sexually transmitted infections, obesity, substance abuse and many more health issues (Font and Jack, 2015). Someone who has gone through multiple adverse childhood experiences and therefore reports a higher ACE score might see early mortality and increased comorbid conditions. prevalence of the leading cause of death in adulthood. There has been very little research on theShow MoreRelatedEmbraced By The Needle By Gabor Mate1494 Words   |  6 Pagesn the essay â€Å"Embraced by the needle† by Gabor Mate, he highlights how an individualà ¨s childhood experiences would make them more susceptible to addiction in their future. He highlights if an individual experienced a traumatic, neglectful, or stressful environment in their childhood they are more vulnerable to addiction as adults. If children grew up in relatively stable and loving homes, but still grow up to become addicts, then there are other underlying factors, like stressed parents, that causeRead MoreExposure To Social Violence1134 Words   |  5 Pages The relationship of objective pregnancy outcome measures and early life adversity found in our study strengthens extends previous findings showing that intra-familial ACEs (child abuse and household dysfunction) are associated with premature delivery (11–13) and low-birth weight (10,13). Furthermore, it spread out past research (23–25) by confirming the association between maternal history of adversities during childhood and depression during pregnancy. Our analysis adds power to the previous literatureRead MoreThe Treatment Of Trauma And How Yoga May Be An Integral Part Of That Care Essay1685 Words   |  7 Pages The Adverse Childhood Experiences study, also known as ACE’s, was a huge breakthrough for preventative health care research. The partnership of Kaiser Permanente and the US Centers for Disease Control and Prevention (CDC) produced one of the largest studies ever conducted to explore associations between childhood maltreatment (chronic and toxic stress from early adversity) and health and well-being throughout the lifespan. The study involves the data from over 17,000 participants collected fromRead MoreChildhood Attachment Disorders And Its Effects On The Developing Brain1473 Words   |  6 PagesInsecure attachments in childhood can have a profound impact on the developing brain, which in turn affects an individual’s relationships, self-esteem, and self-regulation. Substance use disorders are a common response to unresolved childhood pain which is perpetuated by the inability to self-soothe and regulate one’s emotions. Those with undiagnosed attachment disorde rs can exhibit misguided attempts at protecting oneself through the use of substances. Studies with children suggest that reactiveRead MoreUniversal School Based Violence Prevention Programs994 Words   |  4 Pagestaking policy actions against additive substances (WHO 2005). 4. Interventions in promoting healthy development environment for children There is a general consensus that a life course approach to preventing mental disorders is the most effective policy that recognizes that there are key developmental stages and transition points, healthy start in the early years is of foundational importance. The following sub-sections deal with evidence-based early childhood programs widely practiced in countriesRead MoreEthological Theory of Attachment: The Development of Emotion in Children1803 Words   |  7 Pagesï » ¿How Ethological Theory of Attachment Helps in Understanding the Development of Emotion in Children from Adversity? Introduction Attachment theory has been jointly worked out by John Bowlby and Mary Ainsworth. In presenting this theory, both of them have drawn out ideas from the fields of ethology, cybernetics, information processing, developmental psychology, and psychoanalysts. However, John Bowlby is the chief contributor who has originated the essential tenets of the theory. Thus, he hasRead MoreA Research Study On Child Development922 Words   |  4 Pageschild development, has occurred in the years following the Adverse Childhood Experiences Study (1994) conducted by the CDC in conjunction with several academic partners. This study established the standard of â€Å"adverse childhood experiences† (ACEs) upon which subsequent studies have relied for measurement. ACEs include â€Å"psychological, physical, or sexual abuse; violence against mother; or living with household members who were substance abusers, mentally ill or suicidal, or ever imprisoned.† The incidenceRead MoreCharacteristics, Gender, And Class Affected907 Words   |  4 Pageshypertension. Nevertheless, it has been proved that the women tend to endure more the condition than men because they experience traumatic situations repetitively and cyclical form, since they are victims of domestic violence or victims of sexual abuse. People with PTSD have to endure four or more symptoms, and have experienced them for more than one month (National Center for PTSD, n.d.). II. Individuals or Groups Most likely to Be Affected †¢ There are 7.7 million Americans, age 18 or older, whoRead MoreThe Violence And Its Effects On The Lives Of Contemporary Native Generations Essay1400 Words   |  6 Pagesrelationship between mother and daughter, intergenerational transmission of trauma via substance abuse, domestic violence, and identity implications can potentially result in suicide. First off, substance abuse can facilitate the transmission of trauma from mother to daughter. Whether the mother drinks throughout her pregnancy, drinks in the presence of her daughter, or neglects her child due to a substance problem, the mother partakes in the passing down of trauma in a damaging way. In â€Å"IntergenerationalRead MoreSocial Emotions Expressed With Mental Health Staff1022 Words   |  5 PagesAlthough ADHD is associated with reduced school performance and academic attainment. Irrespective of the above, the youth has a history of conduct related behaviors since childhood, such as defiance of authority figures, acts of theft and aggression, and suspensions at school, which would support a diagnosis of Conduct Disorder Childhood Onset Type. This examiner is strongly recommended the youth receive intensive individual counseling to address his anger management problems, and acceptance of crime

Discuss the Social and Economic Impact of Natural...

Natural disasters may be defined as natural catastrophes which cause great damage by disrupting the functioning of a society thus rendering the country incapable of coping through using its own resources as there is a need for outsider assistance in order to effectively preserve lives and the environment. Conversely, Natural hazards are natural phenomena that are potential threats to people within a society, structures or economic assets and may cause disaster. Natural disasters are inevitable and ubiquitous worldwide. Within the Caribbean, they are chiefly present in the forms of hurricanes, earthquakes, floods, droughts, and volcanoes. The great damages caused by natural disasters may be divided into three categories: social, economic†¦show more content†¦Additionally, the destruction of homes has left thousands distraught and unsure of what the future holds since they no longer have a permanent residence or home. Alternatively, loss of home may give the individuals the incentive to start a fresh, and in so doing the government often assist by providing houses which are ostensibly built in places that are more suitable for construction and are durable that is, less likely to easily fall prey to the next hurricane. Hurricanes also results in the disruption of communities. This created chaos and confusion among the people since they will have to rebuild their homes and lives seeing as many are unable to return to their community to live after the hurricane. A prime example is the community of Cave Valley in St. Ann. It was reported to have been submerged under twenty five feet of water and approximately three hundred persons had to be sheltered at Clarksonville. Consequently, the entire community was separated as families ventured into different avenues (community of people) wherein, they will have to be re-socialized and assimilated into a new environment and the fact that a lot of these individuals are poor makes it a lot harder to move on. However, in a situation where the community can be rebuilt there is normally unity among the people and a sense of camaraderie develops as they help each other to recover from the effects of a hurricane. Hurricanes oftentimes lead to employment and profit for placesShow MoreRelatedImpact Of Climate Change On The Environment1338 Words   |  6 Pageschanges to the global climate (Lohmann, 2002). Tourism is particularly vulnerable to the direct and indirect impacts of climate change as the climate influences the appeal, attractiveness and suitability of a destination (Rutty Scott, 2014). Moore (2010) states that the impact of the climate can be physical, physiological and psychological, and it also threatens economic, environmental and social sustainability (Moreno Becken, 2009). Coastal tourism is the largest component of the global tourismRead MoreCaribbean Studies Syllabus5959 Words   |  24 PagesMODULE 1: CARIBBEAN SOCIETY AND CULTURE OVERVIEW Module 1 introduces students to the role played by geography in shaping the society and culture of the Caribbean region as well as the historical evolution of Caribbean society, the cultural characteristics of the Caribbean people, and the ways in which Caribbean society and culture influence and are influenced by societies and cultures outside the region. GENERAL OBJECTIVES On completion of this Module, students should: 1. Understand the factors whichRead MoreKey Internal and External Influences Affecting Tourism in Brazil2536 Words   |  11 PagesExternal Influences Affecting Tourism in Brazil | Audit Report | | | | | | Contents Page: * 1) Introduction * 2) External PESTLE Analysis Table * 2.1) Political Influences * 2.2) Environmental Influences * 2.3) Social Influences * 2.4) Technological Influences * 2.5) Legal Influences * 2.6) Environmental Influences * 3) Internal Strengths amp; Weaknesses * 4) References Key Internal amp; External Influences Affecting Tourism inRead MoreGender Marginalization5547 Words   |  23 Pagesdelving contribution to society. A vicious circle is set up whereby their lack of positive and supportive relationships means that they are prevented from participating in local life, which in turn leads to further isolation. This has a tremendous impact on development of human beings, as well as on society at large. As the objective of development is to create an enabling environment for people to enjoy a productive, healthy, and creative life, it is important to address the issue of marginalizationRead MoreThe History and Structure of the Travel and Tourism Sector Essay9258 Words   |  38 Pagesof the system, the whole system would not work.† Source: http://wiki.answers.com/Q/Elements_of_Tourism_system_model#ixzz1g3G1oCZs Figure 1 - Leipers Tourism System Model, source: Mason (2003, p.11). Source:- entplanet.blogspot.com Social and economic reasons contributed highly to the development and growth of the tourism industry. The 1940’s brought about the introduction of annual leave entitlement. By 1974,the law stated that workers were entitled to four week’s annual leave. ThisRead More Promotion of New and Renewable Sources of Energy Essay2269 Words   |  10 PagesRenewable Sources of Energy Introduction Energy plays a crucial role in the economic development of all nations, especially those with limited access to resources. Access to energy sources is one of the fundamental elements of poverty reduction and sustainable development. It is for this reason that renewable energy and energy efficiency is essential to protect and preserve, as it provides a basis for economic advances, increased education, and environment sustainability. The United NationsRead MoreAgriculture in the Caribbean7544 Words   |  31 PagesIMPORTANCE OF AGRICULTURE IN THE CARIBBEAN Foreign exchange Contribution to GDP/GNP Food security Employment Environmental management CONSTRAINTS AFFECTING CARIBBEAN AGRICULTURE Climate Topography Appropriate Technology Rural Infrastructure Land Tenure and Fragmentation Credit Facilities Marketing Facilities Extension Services Praedial Larceny CLASSIFICATION OF CARIBBEAN FARMS DistinguishingRead MoreRastafarian79520 Words   |  319 Pagescultural formation was controlled fully by the elite who, to a large extent, ran the educational apparatus and the economic system. But much of the country was beginning to question in earnest the structure of colonial society by the early 1930s. The emergence of Rasta during that period corresponds with so much that was happening around the world. Rastas could tell that social unrest in Jamaica was going to lead to a movement away from colonial rule and, having heard Marcus Garvey speak of theRead MoreMy Phone Thesis16066 Words   |  65 Pagessixth spot as one of the top twenty countries with the highest per capita cell phone use. Anguilla is the most northern of the Leeward Islands in the Lesser Antilles in the eastern Caribbean Sea. It also has garnered 95 percent literacy on English. It is good for tourist destinations since it’s the only island in the Caribbean which tourists can feel at ease when it comes to language. The positioning statement is â€Å"For those who want a more â€Å"customized† look, My|Phone is a Philippine mobile phone brandRead MoreEDPM CSEC15093 Words   |  61 PagesCARIBBEAN EXAMINATIONS COUNCIL Caribbean Secondary Education Certificate ® CSEC  ® ELECTRONIC DOCUMENT PREPARATION AND MANAGEMENT SYLLABUS Effective for examinations from May-June 2014 CXC 34/G/SYLL 12 Published by the Caribbean Examinations Council All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form, or by any means electronic, photocopying, recording or otherwise without prior permission of the author or publisher. Correspondence

Fin300 Midterm Free Essays

Ryerson University CFIN300 Midterm Exam Fall 2007 There are 2. 0 hours in this exam. Version A Student Name____________________________ (Please Print) Student Number_________________________________ Notes: 1. We will write a custom essay sample on Fin300 Midterm or any similar topic only for you Order Now This is a closed book exam. You may only have pens, pencils and a calculator at your desk. 2. A formula sheet is attached to the end of the exam. You may detach the formula sheet from the exam. Please fill out the scanner sheet as you go along in the exam. You will not be given extra time at the end of the exam to fill it out. 3. Select the best possible answer for each multiple-choice question 4. Each of the 30 MC questions is worth 1 mark Marks: Available Total 30_________ There are 14 pages in this exam. |2. |Poor Dog, Inc. borrowed $135,000 from the bank today. They must repay this money over the next six years by making monthly | | |payments of $2,215. 10. What is the interest rate on the loan? Express your answer with annual compounding. | |A) |5. 98% | |B) |6. 63% | |C) |4. 1% | |D) |5. 65% | |E) |5. 80% | |3. |How much would you pay for a security that pays you $500 every 4 months for the next 10 years if you require a return of 8% per | | |year compounded monthly? | |A) |$11,228. 48 | |B) |$15,000. 00 | |C) |$10,260. 0 | |D) |$13,724. 90 | |E) |$10,200. 23 | |4. |You can earn 5% per year compounded annually for the next 4 years, followed by 8% per year compounded quarterly for 5 years. | | |What is the average annual compounded rate of return over the 9 year period? Express your answer with monthl y compounding. | |A) | | |B) |6. 2% | |C) |6. 97% | |D) |6. 43% | |E) |6. 59% | |5. |You have just purchased a house for $540,000 with a $200,000 down payment. You are going to get a mortgage at the TF bank for | | |the balance. TF is charging a rate of 5. 8% per year compounded semi-annually on 5 year term mortgages. You want to make weekly| | |payments amortized over 20 years. What is your weekly payment? | |A) |$877. 60 | |B) |$549. 01 | |C) |$545. 47 | |D) | | |E) |$871. 92 | |6. |Master Meter is planning on constructing a new $20 million facility. The company plans to pay 20% of the cost in cash and | | |finance the balance. How much will each monthly loan payment be if they can borrow the necessary funds for 30 years at 9% per | | |year compounded semi-annually? | |A) |$128,740 | |B) |$158,567 | |C) |$160,925 | |D) |$141,982 | |E) |$126,853 | 7. |Gerry Industries has some 8% (per year compounded semi-annually) coupon bonds on the market that are selling at $989, pay | | |interest semi-annually, and mature in fifteen years. The company would like to issue $1 million in new fifteen-year bonds. What | | |coupon rate should be applied to the new bonds if Gerry Industries wants to sell them at par? Express your answer with | | |semi-annual compounding. | |A) |8. 00% | |B) |8. 3% | |C) |7. 87% | |D) |8. 13% | |E) |8. 26% | |8. |You have decided to save $30 a week for the next three years as an emergency fund. You can earn 3. 5 % per year compounded | | |weekly. How much would you have to deposit in one lump sum today to have the same amount in your savings at the end of three | | |years? |A) |$4,441. 26 | |B) |$4,382. 74 | |C) |$4,288. 87 | |D) |$4,305. 19 | |E) |$4,414. 14 | |9. |A credit card company charges you an interest rate of 1. 25% per month. The annual percentage rate is ____ and the effective | | |annual rate is _______. | |A) |15. 00%; 16. 08% | |B) |16. 08%; 15. 00% | |C) |15. 00%; 15. 00% | |D) |15. 00%; 14. 55% | |E) |14. 55%; 15. 00% | |10. The Friendly Bank wants to earn an effective annual rate of 9% on its auto loans. If interest is compounded monthly, what APR | | |must they charge? | |A) |8. 65% | |B) |9. 17% | |C) |8. 58% | |D) |9. 38% | |E) |8. 44% | Use the following to answer question 11: |Rondolo, Inc. |2006 Income Statement | |Net Sales |$12,800 | |Less: Cost of Goods Sold |10,400 | |Less: Depreciation |680 | |Earnings Before Interest and Taxes |1,720 | |Less: Interest Paid |280 | |Taxable Income |$1,440 | |Less: Taxes |500 | |Net Income |$940 | | Dividends |$423 | | Additions to retained earnings |$517 | |Rondolo, Inc. |2006 Balance Sheet | |Cash | |$520 | |Accounts payable | |$1,810 | |Accounts rec | |1,080 | |Long-term debt | |3,600 | |Inventory | |3,120 | |Common stock | |5,000 | |Total | |$4, 720 | |Retained earnings | |1,790 | |Net fixed assets | |7,480 | | | | | |Total assets | |$12,200 | |Total liabilities equity | |$12,200 | | | | | | | | | |11. |Rondolo, Inc. is currently operating at maximum capacity. All costs, assets, and current liabilities vary directly with sales. | | |The tax rate and the dividend payout ratio will remain constant. How much additional debt is required if no new equity is raised| | |and sales are projected to increase by 4 percent? | |A) |-$122. 08 | |B) |$598. 75 | |C) |$416. 00 | |D) |-$562. 50 | |E) |$318. 01 | |12. |Your brother-in-law borrowed $2,000 from you four years ago and then disappeared. Yesterday he returned and expressed a desire | | |to pay back the loan, including the interest accrued. Assuming that you had agreed to charge him 10% per year compounded | | |annually, and assuming that he wishes to make five equal annual payments beginning in one year, how much would your | | |brother-in-law have to pay you annually in order to pay off the debt? (Assume that the loan continues to accrue interest at 10% | | |per year. ) | |A) |$738. 63 | |B) |$798. 24 | |C) |$772. 45 | |D) |$697. 43 | |E) |$751. 46 | |13. |What information to you need to find the 3 year forward rate starting 2 years from now? |A) |2 and 5 year zero coupon spot rates | |B) |3-year zero coupon spot rate | |C) |2 and 3 year zero coupon spot rates | |D) |5 year zero coupon spot rate | |E) |3 and 5 year zero coupon spot rates | |14. |You have been making payments for the last 25 years and have finally paid off your mortgage. Your original mortgage was for | | |$345,000 and the interest rate was 5% per year compounded semi-annually for the entire 25 year period. How much interest have | | |you paid over the last 5 years of the mortgage? | |A) | | |B) |$120,392. 23 | |C) |$13,931. 87 | |D) |$80,743. 13 | |E) |$106,460. 37 | |15. |Which of the following is (are) sources of cash? | | | | | |I. | |an increase in accounts receivable | | | | | |II. | | |a decrease in common stock | | | | | |III. | | |an increase in long-term debt | | | | | |IV. | |a decrease in accounts payable | | | | |A) |I, II, and IV only | |B) |II and IV only | |C) |I only | |D) |III only | |E) |I and III only | |16. Financial planning allows firms to: | | | | | |I. | | |avoid future losses. | | | | | |II. | | |develop contingency plans. | | | | | |III. | | |ascertain expected financing needs. | | | | | |IV. | | |explore and evaluate various options. | | | |A) |I, II, III, and IV | |B) |I and IV only | |C) |III and IV onl y | |D) |II and III only | |E) |II, III, and IV only | Use the following to answer question 17: |Current |$100 | |Assets | | |A) |$52. 00 | |B) |$22. 50 | |C) |$0. 00 | |D) |$4. 50 | |E) |$29. 50 | |18. |A new security will pay an initial cash flow of $100 in 1 year. Thereafter it will pay cash flows every month for the rest of | | |time. The cash flows will grow at 3% per year compounded monthly forever. If you require a return of 6% per year compounded | | |monthly, how much would you be willing to pay for this security? | |A) |$18,932. 30 | |B) |$40,000. 00 | |C) |$37,864. 59 | |D) |$33,333. 33 | |E) |$20,000. 00 | |19. |Which one of the following actions is the best example of an agency problem? |A) |Basing management bonuses on the attainment of specific financial goals | |B) |Requiring stockholders approval of all management compensation decisions | |C) |Paying management bonuses based on the current market value of the firm’s stock | |D) |Paying management bonuses based on the number of store locations opened during the year | |E) |Accepting a project that enhances both management salaries and the market value of the firm’s stock | |20. |The bonds of Frank’s Welding, Inc. pay an 8% annual coupon, have a 7. 98% (per year compounded annually) yield to maturity and | | |have a face value of $1,000. The current rate of inflation is 2. 5% per year compounded annually. What is the real rate of return| | |on these bonds? | |A) |5. 42 percent | |B) |5. 48 percent | |C) |5. 35 percent | |D) |5. 37 percent | |E) |5. 32 percent | |21. |What is the future value of the following cash flows at the end of year 3 if the interest rate is 6% per year compounded | | |annually? The cash flows occur at the end of each year. | | | | |Year 1 | | |Year 2 | | |Year 3 | | | | | |$5,180 | | |$9,600 | | |$2,250 | | | | |A) |$19,341. 02 | |B) |$15,916. 8 | |C) |$19,608. 07 | |D) |$18,246. 25 | |E) |$18,109. 08 | |22. |The I. C. James Co. invested $10,000 six years ago at 5% per year simple interest. The I. M. Smart Co. invested $10,000 six years | | |ago at 5% per year compounded annually. Which one of the following statements is true concerning these two investments? | | | | | |I. | | |The I. C. James Co. has an account value of $13,400. 96 today. | | | | | |II. | | |The I. C. James Co. will have an account value of $13,400. 96 six years from now. | | | | | |III. | | |The I. M Smart Co. will earn $525 interest in the second year. | | | | | |IV. | | |Both the I. C. James Co. and the I. M. Smart Co. will earn $500 interest in the first year. | | | |A) |II, III and IV only | |B) |II and IV only | |C) |I and III only | |D) |III and IV only | |E) |I, III and IV only | |23. |The bonds of Microhard, Inc. carry a 10% annual coupon, have a $1,000 face value, and mature in four years. Bonds of equivalent| | |risk yield 15% (per year compounded annually). Microhard is having cash flow problems and has asked its bondholders to accept | | |the following deal: The firm would like to make the next three coupon payments at half the scheduled amount, and make the final | | |coupon payment be $251. If this plan is implemented, the market price of the bond will (rise/fall) to ___________. (Continue to| | |assume a 15% required return. ) | |A) |$892. 51 | |B) |$865. 45 | |C) |$829. 42 | |D) |$808. 89 | |E) |$851. 25 | |24. Your older sister deposited $5,000 today at 8% per year compounded annually for five years. You would like to have just as much | | |money at the end of the next five years as your sister. However, you can only earn 6% per year compounded annually. How much | | |more money must you deposit today than your sister if you are to have the same amount at the end of five years? | |A) |$367. 32 | |B) |$399. 05 | |C) |$489. 84 | |D) |$201. 0 | |E) |$423. 81 | |25. |Net income differs from operating cash flow due to the handling of: | |A) |Interest expense and depreciation. | |B) |Depreciation and dividends. | |C) |Dividends and non-interest expense. | |D) |Dividends and interest expense. | |E) |Dividends, interest expense, and depreciation. | |26. |Shirley adds $1 ,000 to her savings on the last day of each month. Shawn adds $1,000 to his savings on the first day of each | | |month. They both earn an 8% per year compounded quarterly rate of return. What is the difference in their savings account | | |balances at the end of 35 years? | |A) |$13,923. 34 | |B) |$15,794. 64 | |C) |$16,776. 34 | |D) |$14,996. 47 | |E) |$12,846. 88 | Use the following to answer questions 27-30: |KLM, Inc. |2006 Income Statement | |Net sales |$3,685 | |Cost of goods sold |$3,180 | |Depreciation |$104 | |Earnings before interest and taxes |$401 | |Interest paid |$25 | |Taxable income |$376 | |Taxes |$128 | |Net income |$248 | |Dividends paid |$60 | |Addition to retained earnings |$188 | | | |KLM Corporation | |Balance Sheets as of December 31, 2005 and 2006 | | | | |2005 |2006 | |2005 |2006 | |Cash |$520 |$601 |Accounts payable |$621 |$704 | |Accounts rec. $235 |$219 |Notes payable |$333 |$272 | |Inventory |$964 |$799 |Current liabilities |$954 |$976 | |Current assets |$1,719 |$1,619 |Long-term debt |$350 |$60 | |Net fixed assets |$890 |$930 |Common stock |$800 |$820 | | | | |R etained earnings |$505 |$693 | |Total assets |$2,609 |$2,549 |Total liabilities and Owner’s equity |$2,609 |$2,549 | |27. |What is the net capital spending for 2006? | |A) |$208 | |B) |$144 | |C) |-$144 | |D) |$64 | |E) |-$64 | |28. |What is the cash flow from assets for 2006? |A) |$1,307 | |B) |$2,259 | |C) |$355 | |D) |$2,503 | |E) |$111 | |29. |What is the operating cash flow for 2006? | |A) |$480 | |B) |$169 | |C) |$425 | |D) |$272 | |E) |$377 | |30. |What is the change in net working capital for 2006? |A) |$122 | |B) |$643 | |C) |$765 | |D) |-$643 | |E) |-$122 | |31. |A number of years ago you bought some land for $100,000. Today it is worth $225,000. If the land has been rising is price by | | |5% per year compounded annually, how long have you owned the land? | |A) |14. 1 years | |B) |16. years | |C) |Can’t be determined with the given information | |D) |13. 8 years | |E) |12. 4 years | |FV = PV (1+tr) |[pic] | |FV = PV (1+r)t |[pic] | |[pic] |[pic] | |[pic] |[pic] |[pic] |[pic] | |[pic] |[pic] | |[pic] |[pic] | |[pic] |[pic] | |[pic] |[pic] | |[pic] |Total Dollar Return (TDR) = Dividend Income + Capital Gain (Loss) | | | | | |[pic] | |[pic] |[pic] | |[pic] |Variance of returns [pic] | |[pic] |[pic] | |[pic] |[pic] | |[pic] |[pic] | |Arbitrage Pricing Theory |PV of CCA tax shield [pic] | |[pic] | | |Current Ratio |= |Current Assets | |Total Asset |= |Sales | | | |Current Liabilities | |Turnover | |Total Assets | | | | | | | | | |Quick Ratio |= |Current Assets – Inventory | |ROA |= |Net Income | | |Current Liabilities | | | |Total Assets | | | | | | | | | |Inventory Turnover |= |COGS | |ROE |= |Net Income | | | |Inventory | | | |Total Equity | | | | | | | | | |Cash Ratio |= |Cash | |P/E Ratio |= |Price/common share | | | |Current Liabilities | | | |EPS | | | | | | | | | |Receivables |= |Sales | |Dividend Payout |= |DPS | |Turnover | |Accounts Receivable | |Ratio | |EPS | | | | | | | | | |D/E Ratio |= |Total Debt | |Dividend Payout |= |Cash Dividends | | | |Total Equity | |Ratio | |Net Income | | | | | | | | | |Total Debt Ratio |= |Total Debt | |Market to Book | |Price / Common share | | | |Total Assets | |Ratio |= |Book value of equity | | | | | | | | | | | | | | | | | |Equity multiplier |= |Total Assets | |Profit |= |Net Income | | | |Total Equity |Margin | |Sales | | | | | | | | | |Net Working |= |Net Working Capital | |Interval Measure |= |Current Assets | |Capital-Total Asset | |Total Assets | | | |Average Daily Operating Costs | | | | | | | | | |Long Term Debt |= |Long Term Debt | |Cash Coverage |= |EBIT + Depreciation | |Ratio | |Total Equity + LT Debt | |Ratio | |Interest | | | | | | | | | | | | | | | | |Days’ Sales in |= |365 Days | |Days’ Sales in |= |365 Days | |Receivables | |Receivables Turnover | |Inventory | |Inventory Turnover | | | | | | | | | |Internal Growth |= |ROA x R | |‘Sustainable |= |ROE x R | |Rate | |1 – ROA x R | |Growth Rate | |1  œ ROE x R | | | | | | | | | | | | | |‘Sustainable |= |p(S/A)(1+D/E) x R | | | | | |Growth Rate | |1 – p(S/A)(1+D/E) x R | | | | | | | | | |NWC |= |Sales | |Fixed Asset |= |Sales | |Turnover | |NWC | |Turnover | |Net Fixed Assets | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |Times Interest |= |EBIT | |CF from Assets = | | | | | |Operating CF – Cap Ex – Additions to NWC | | | | | | | | | | | |Operating CF = EBIT + Deprec – Tax | | | | | |=Sales – Costs – Taxes | | | | | |= (Sales – Costs) x (1 – Tc) + Deprec x Tc | | | | | | | | | | | |Cap Ex = End Gross FA – Beg Gross FA | | | | | |Cap Ex = End Net FA – Beg Net FA + Deprec | | | | | | | | | | |Add to NWC = End NWC – Beg NWC | | | | | | | | | | | |CF to Debtholders = Interest – Net New Debt | | | | | | | | | | | |CF to Shareholders = Divs – Net New Equi ty | | | | | | | | | | | |CF from Assets = CF to Debtholders + CF to | | | | | |Shareholders | |Earned | |Interest Charges | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Answer Key |2. |E | |3. |E | |4. |E | |5. B | |6. |E | |7. |D | |8. |A | |9. |A | |10. |A | |11. |A | |12. |C | |13. |A | |14. C | |15. |D | |16. |E | |17. |E | |18. |C | |19. |D | |20. |C | |21. |D | |22. D | |23. |C | |24. |C | |25. |A | |26. |D | |27. |B | |28. |C | |29. |E | |30. |E | |31. |B | How to cite Fin300 Midterm, Essay examples