Essays on Money

German authority and hesitations have since decided the determination of strategy choices in the EU. There is the inexorably intergovernmental modus methodology of the EU system. Foreign accomplices, for example, the U.S. progressively recognize Berlin as the strategic place in the Euro zone. Concerns about Germany's future remote and security role persevere. The change of political initiative in Berlin was caused by the September 2013. Federal decisions have expanded the interest for investigation of German European, external, and security strategies. Basing on the above notions, it is true that the making of Europe was Germany’s answer to its Continue reading...

- Activity diagram
- Sequence diagram

What are the different Vulnerable Points in an E-commerce Environment?

An e-commerce environment has many vulnerable points that attackers can get to the system. One of the points of attack is the channel of connection between the client and the ISP provider. The attacker can tap this point and make an attack on the connection. The attacker can intercept the communication between the user and the Internet Service Provider (ISP) and use security threats like spoofing to get data from the client. The client will lose money in the process. Another point of vulnerability is the ISP networks. There could be sniffer programs Continue reading...

1. The 80/20 rule applies to my product which is a car. This is because in the world, 80% of cars are owned by a 20% population. Although 80/20 rule applies in the case of a car, it does not apply in the case of a mobile phone. Ideally, the possession of a mobile phone is almost equal to the population in world.
2. List of phases of consumer decision process
- Problem recognition
The consumer grows a need of having a car following the changes in his or her income status and the need to be self-reliant and Continue reading...

One of the main reasons a doctor is often blamed for is medical malpractice. Medical malpractice can be defined as any act or omission on behalf of a physician while treating a patient that has led to the injury of the patient. Medical malpractice is usually deviant from the norms of practice that are widely accepted by the medical community. Once a patient can establish that medical negligence had led to injury, the court calculates the compensation that the doctor should pay, based on the economic and noneconomic losses of the patient. Economic losses include the income the patient Continue reading...

Contesting for a political position in the United States has become an increasingly costly affair for aspiring candidates. The need to attract voters through lavishly staged campaigns has led to the heightening of the amounts of money that individuals can contribute to their preferred candidates. This article explains the impact of the Supreme Court’s decision to abolish limits imposed on the election spending. The Court’s ruling was issued towards the beginning of the campaign period, and would most probably intensify the pivotal role that campaign funds plays in American politics. The decision seemed to change the Finance Continue reading...

Kwame Kilpatrick former Detroit Mayor Case

Kwame M. Kilpatrick who was the former mayor of Detroit was sentenced for 28 years in jail for being involved in a corruption scandal. The defense should not apply to either reduce Kwame’s sentence or exonerate him. Kwame had greatly embezzled the city’s funds not only during his time as the mayor but also when he was a state legislator (Spence, 2011). His corrupt actions warranted him to get the harshest sentence possible given that he was a public official. Although the defense requested that he should receive a term that is not more than 15 years, Continue reading...

Thesis topic

‘Instructor’s Name’
‘Subject’
Will Governor Brown’s Local Control Funding Formula improve the ability of districts to meet student needs compared to the former system?

Brief Background and Aims of the Research

The current education system in California lacks transparency and is extremely complicated. All the participants, be it policymakers or parents, struggle to comprehend the current system, which offers different pupil per rate across various districts. There were many allegations that affluent schools ended up getting more per pupil rate than the other schools. To negate this inequity in the distribution of federal funds, Governor Brown in the year 2013-14 introduced the Local Control Continue reading...

Apple Inc is a public company operating in the television and radio and TV broadcasting and the main one being manufacturing of wireless communications equipment. Apple's net change in the cash flows of the year ending September 28, 2013 was $3,513 Million. 377.3% growth was a growth of over thrice the change in cash of the year ending September 29, 2012 which stood at only $931 Million. In cash flow from the operating activities, in the year ending September 28, 2013, Apple generated $53.7 Billion from its major business operations. This is a good sign for its investors Continue reading...

Abstract

The Nelson – Siegel – Svensson model is one of the preferred methods by which investors determine the value of bonds in the long run and thus make informed guesses as to the viability of each investment option. It is an accurate method of prediction when an investment portfolio needs to be set up. In this paper, by using the Nelson – Siegel – Svensson process, an attempt will be made to inform investors like to the best option for a fixed income portfolio. The paper would demonstrate how the process is to be used and applied to the data related to treasury Continue reading...

The metropolis is seen as the seat of the economy. It is where money is centralized and it is where the seat of governance has been placed. Due to the fact that metropolis is equated with high monetary value, has been also equated to intellectuality and rationality. Metropolis is seen as the highest form of society where quantitative values are set high and material purchases are of importance.
A metropolitan society may never be referred as the heart of a nation, and it exists where power is centralized due to higher economic value. By this, money has become the Continue reading...

I believe that economic globalization brings both benefits and shortcomings to international portfolio investments, but is overall beneficial. On the one hand, economic globalization leads to expanded markets for companies who are now able to address the need of more customers than before. Because of this, companies can use economies of scale to their own benefits and generate better returns on capital. The globalization allows for a more efficient allocation of resources, for instance by manufacturing products in the area where the prices are the most competitive (e.g. European textile brands manufacturing clothes in Bangladesh). These are all benefits Continue reading...

(Candidate’s Full Name)

Movie Review:

Plot
“Get rich or die trying!” This is the motto for the 2013 American movie titled The Wolf of Wall Street. Directed by Martin Scorsese, the film is an on-screen adaptation of a memoir of the same name written by Jordan Belfort, a former stock broker convicted of stock market manipulation and running a penny stock boiler room in USA. Starring Leonardo DiCaprio as Jordan Belfort, the film narrates his career as a certified stockbroker with L.F. Rothschild, before losing his job due to the 1987 stock market crash. Using his brilliant salesman skills, he Continue reading...

Introduction

Terrorist is a national issue, and every country should have great mechanism of dealing with this issue that is threatening the security of many nations. Various studies have recommended changes in various approaches used to respond to terrorism. Terrorism threat has generated debates concerning the organizational aspect of the problem. They have focused on organizational structure, intelligent, collection and budgetary priorities. Various studies have suggested a bigger role to the military in combating terrorism while others call for a new structure which will fight terrorism.

How to develop counter-terrorism plan

The United States safeguard their core values. They stand for equity, dignity, hope, freedom Continue reading...

My recent decision to purchase low quantity of petrol for my car every month will be a suitable example to illustrate how the change in price of a good will affect its quantity demanded. As per law of demand, ‘’ There is a negative relationship between price of a good and its quantity demanded. In other words, keeping all the other things constant, as the price of a good increase, the quantity demanded of that particular good decrease and vice-versa’’.
Similarly, over past 6 months, the price of petrol has increased by $3/unit. This has affected by purchase decision and Continue reading...

Analysis of 10k of Dish Network and Direct TV

Executive Summary
Organizations have to work extremely hard to maintain their effectiveness in the market as it is something which induces them to work hard for the economic prosperity. Every company that worked under a specific industry always try to maximize its financial belongings and shareholder’s wealth, but is really important for them to mitigate the issues relating to it which certainly leads to higher economic prosperity.
Financial based competitiveness could be extremely important for the sake of an organization in particular. The main perspective of this assignment is to analyze the financial power of two different companies Continue reading...

NPV= A1/ (1+k)1 + A2/ (1+k)2 + A3/ (1+k)3 + An/ (1+k)n – C

Where; A- Annual cash flow

k- Cost of capital

C- Initial investment

n- Number of years

Therefore;

NPV= 450,000/ (1+0.11)1 + 639,000/ (1+0.11)2 + 700,000/ (1+0.11)3 + 550,000/ (1+0.11)4 + 1,850,000/ (1+0.11)5 – 2,425,000
= 450,000/1.1 +639,000/1.232 + 700,000/1.368 +550,000/1.518 + 1,850,000/1.685 - 2,425,000
= 405,405.41+518,668.83+511,695.91+362,318.84+1,097,922.85-2,425,000
= 2,896,011.84-2,425,000
NPV = 471,011.84
The NPV of the company is 471, Continue reading...

Management

Health care management research has integrated several strategic measures in ensuring the wellbeing of the patients. It is projected to the customer's needs satisfaction in the health care in relation to the medical condition. The integrated practice unit (IPU) brings together the clinical and nonclinical issues that management should consider in the daily operations. It helps in the provision of full care cycle for the patients as well in management.
Measuring the outcomes and costs that are involved to every patient leads to the management having a clear understanding of the entire health concern. The health care needs more Continue reading...

Misallocation of funds

The Make a Way Foundation was founded with the aim of fighting poverty and hunger that involved communities with hope and self-reliance. The foundation had planned for a children’s summer expense project but in the process of goal realization for this fiscal year, it has been realized that there is a misallocation of funds that can be attributed to the following reasons.
Some officials who do the scoring for the awarding of the funds fail to follow the right criteria in many cases. So some applicants were unequally treated and in times were awarded more or fewer dollars Continue reading...

Characters:

MITCH, an alcoholic
JUDY, his starving girlfriend
[JUDY sits at diner counter, nursing a cup of coffee. MITCH charges in. She has a visible bruise on her face.]
MITCH: There you are, you ungrateful bitch! Just hiding here behind a coffee cup when I’m going out of my mind with agony! How can you live with yourself when I’m suffering, I’ll never know. I hope I never know. I don’t want to be like you. I would never treat you the way you’re treating me now. I would give you the money whenever you Continue reading...

I am Curious
Many people tend to observe sex related activities with pleasure and promiscuity when practiced in the wrong occasions. The observance of sex only for procreation and pleasure is a mind-set that the current society has focused on currently. Nevertheless, that is just the icing of the cake; sexual life among partners has a positive influence on the health of both partners. Sex has been said to stir hormones that reduce the chances of antiviruses surviving in one’s bodies. Research conducted at Wilkes University shows those students who have sex once or twice a week have Continue reading...

Introduction

A negotiable instrument is a document that guarantees payment to a specific person. The instrument must name the payee or otherwise indicate his identity. A negotiable instrument is transferable and in essence, it is a signed document with a promise to pay the holder of the document a given fixed amount of money at a specified date or on demand. Upon the transfer of the instrument, the legal title of the instrument is passed to the owner.

Promise and negotiable instruments

A negotiable instrument is a document used in contracts, and which guarantees the payment of a given sum of money unconditionally on Continue reading...

Purchase decisions about products sometimes hold greater importance for buyers; whereas, other times it is considered a routine purchase. High involvement products are those that involve the buyer’s attention in the form of greater time and greater resources. On the other hand, low involvement products are those which do not require the buyer’s attention as they are usually conditioned towards making similar purchases. When people spend a greater amount on a product or service they ensure they are not fooled into spending their money. Consequently, this requires the buyer to be aware of the product and most Continue reading...

Abstract

The experiment is aimed at constructing a step-up transformer. This is due to the type of materials being used and the number of rolls that the wire is rolled on the U-shaped material. This can easily be related to the alternating current that is tapped from one source to the other. This current can easily be measured in respect to the size of the voltage that is alternated in between the primary transformer and that of the secondary transformer. The number of coils in the primary material is two; the other secondary coil has four coils. The material used Continue reading...

Many people in the society today love music depending on how it relates to them. There are songs that explain what is going on in the society and some that talk about people’s hopes and dreams. In the twenty first century, the songs still have the same purpose, and many of them are about what is going on in the society today. An example of a 21st century song is Royals by Lorde. The song talks about the way the people today focus on material things. It is an interesting song, slow, with good instrumentals that make the Continue reading...

The use of bitcoins

Bitcoin is a form of currency that was created in 2009, and which is not issued by any central bank. The transactions that are made using this currency do not have middle men which imply that there is no use of banks. Bitcoin transactions do not have transaction fees, and a user does not need to provide real names. There is no physical bitcoin, but rather computers are used to create them. All those computers that create them form a network that serves to confirm the transactions that are made with bitcoins, without the help of MasterCard, Visa, or Continue reading...

Feminist accused the male dominated society of the subjugation of the rights of women. The history of the human race is marred with the oppression of the female gender. The injustice perpetrated by women can be attributed to the ideologies taught in mainstream religions that women are responsible for the fall of the human race and the current evil that has salvaged the society for centuries. Nevertheless, communities and ethnicities that do not subscribe to the mainstream religions undermine women in the society. Towards the late twentieth century, feminist’s movement arose as a result of the skyrocketing of Continue reading...

Elizabeth Warren in her article “The vanishing Middle Class” explores to convince readers that the middle class is on the verge of collapsing. She uses comparison, contrast and irony to make her work captivating and convincing.
Elizabeth Warren starts her article by attempting to describe the middle class in order to captivate her readers thus increasing the urge to read the entire article. She argues that middle class is not determined by the government. She further states that other factors such as income, lifestyle, beliefs, education and feelings help in defining middle class.
After making her introduction, Elizabeth embarks Continue reading...

The foreign currency is usually held country's central banks and other financial institutions. This currency is used to pay the international debt and trade obligation or to influence the domestic exchange rate. In the international trade of the commodities such as the gold and oil are priced and measured in using the reserved currency. This contributes to the holding of the currency by other countries for the exchange of the products.
The holding of such currency reserves helps in the exchange rates risks reduction. The purchase of the product and good is done in the manner that has standardization Continue reading...

Although psychologists have studied the reasons for happiness, they, have not been able to pinpoint any specific factor for that makes people happy. For many, there is still that underlying reason, that is unique to individuals, and which makes them happy. The fact is that, happiness differs according to the individual who is experiencing it. To some people, happiness is a state of feeling at ease. To others it is a feeling of being well, alive and having a good time. For example, some may say that married people are happier, but it is still unclear to those who Continue reading...

The theme of this chapter is that such a price strategy should be adopted that attract a large number of customers and should be according to the need and requirement of the market.
- In this chapter, Kotler and Lee has explained that, before setting the price, the objective should be determined that whether it is set in order to maximize the sales, usage level and the participation or it is set in order to establish quality leadership position by adopting market skimming strategy.
- Further, before setting a price, the market competition should be analyzed.
- Moreover, authors Continue reading...

A prison is an institution in which individuals are forcibly confined and denied a variety of freedoms under the authority of the state, as a form of punishment to the individuals who have been accused of committing a crime. Prisons are used as part of a criminal justice system where individuals who are criminally charged with or convicted with a crime, are detained. The individuals who are arrested have to be found guilty to be incarcerated in prison.
Apart from punishing criminals for their wrongdoing, prisons are used as tools of political repression to punish political crimes (Pratt & Jeff Continue reading...

The role of policy makers in any economy is to regulate macroeconomic activities with the main goal of maintaining economic stability. The goal of the policy maker is to maintain stability, which is significant in promoting economic growth and social welfare of the citizens. The policy makers have implemented various policies to stimulate the economy since the financial crisis when government suffered a critical national debt. They are also trying to implement a reliable strategy for balancing the government’s budget in the long- run to solve macroeconomic problems. Therefore, implementing long-term fiscal sustainability is vital for today’s Continue reading...

Referring to the latest 10Q(Quarterly) Filings by Colgate Palmolive, i.e. one filed on 24th October, 2013 and 25th July, 2013, we shall be analyzing the changes in working capital and cash management strategies of the company:

Changes in Working Capital:

I) Working Capital Position as at 30th June, 2013:
Beginning with the Quarterly Report filed on 25th July, 2013t, and the company ended the quarter with the total current assets of $4867 Million. Both receivables and inventories contributed with the maximum share to the total current assets, with an amount of $1778 and $1440, respectively. The total cash position of the company Continue reading...

Government spending refers to the money and resources that the government uses to cater for basic but essential national goods and services. Ideally, government spending can either be investment or consumption oriented. They include defense, education, health and infrastructure among other services. In the United States, there has been a gradual development in the rate at which government spending has been carried out since1960 (Siu par 8). First, education has taken a rising pace through which government spends to facilitate the development of education. Ideally, the proportion of the GDP was rated to be apportioned by 0.20% that has Continue reading...

In Willa Cather’s short story “Paul’s Case,” the titular character has no shortage of problems – his middle-class malaise, his dissatisfaction with life as it is, and the frustration of the ideals of art not matching the mundane nature of his existence. However, one implicit, unspoken frustration he has is Paul’s sexuality, which is either latent or difficult to openly express in his life: “Central to the full experience of the story is recognition of the fact of Paul’s homosexuality, a ‘fact’ that is nowhere stated openly” (Summers 108). Combined with the aforementioned issues, it is Continue reading...

The Heart of Darkness by Joseph Conrad is a fictional novel with the sturdiest statements on imperialism. Though it has other significant themes, the emphasis focusing on imperialism can be easily noticed by the readers. Conrad wrote a letter to William Blackwood, his publisher, stressing how imperialism affected Africans. The narrative is clear and it sheds light on the criminality of incompetence and the high degree of selfishness in Africa civilization claiming its justification. Conrad declares his thoughts in a way that appears simple but in the reality, it is not. The aim of this paper is to discuss Continue reading...

Introduction.

There has been exponential rise in the number of eateries in most of the towns worldwide. This is partly brought about by the ballooning urban population, as well as the emergence of working middle class population who find themselves tied up by work in the cities they reside.
Restaurants provide homogeneous products, though service delivery may differ from one place to another depending on the caliber of regular customers registered over a period of time as well as the target market. This means in most cases, service delivery will remain the main factor behind success of any enterprise in Continue reading...

Internal control practices are the activities that enable a company to maintain an environment that is solely focused on accountability and ethics. These are systems that are put in place to safeguard the resources of the business. By putting in place these practices department benefits in the following ways; one of the benefits is that the internal controls provide checks and balances on the usage of resources. They also ensure that the areas of priority in an organization are identified as well as addressed. Another benefit of putting in place internal controls is that it allows the company to Continue reading...

CHAPTER 12

Abstract
Randal C. Archibald in his article Vast Web Hides Mexican Drug Profits in Plain Sights, U. S. Authorities Say, published on March 26, 2014 in The New York Times goes into one very important part of the drug business the drug profits and their realization in recent times. He describes the behavior of Hugo Cuellar Hurdado heading one of the biggest Mexico’s drug cartels Sinaloa replacing the captured leader Joaquin Guzman Loera. It took thirteen years broad cooperation work between U. S. and Mexican authorities. The time necessary to reveal the money – laundry web is vastly longer. Continue reading...

The cash payback period is that period which cash for the investment project is borrowed and that time which is to be paid back. Therefore, the cash payback period will be;
Cash payback period = Initial CostAnnual Cashflow = 750,000/170,000 = 4years 5 months
The net present value of the project refers to the present values of an investment especially using time to evaluate an investment. Therefore it is given by;
Net present value; 1st year = (750,000 × 12%) = 90,000
2nd year = (840,000 × 12%) = 100,800
3rd year = (940,800 × 12%) = 112,896
4th year = (1,053,696 × Continue reading...