Financial Markets and Bank Management Essay Example | Topics and Well Written Essays - 1000 words - 2

Financial Markets and Bank Management - Essay Example We understand that you wish to expand your business operations and therefore, your fund requirement has increased. Our observations on your firm’s balance sheet are as per the following. The current ratio of the firm has declined in the year just completed though it still stays above 1.0; however, the quick ratio appears to be under strain. We notice that the acid-test ratio has gone down below 0.50 in the latest financial year. Net margin has also declined from 2.5 percent in year 2013 to 2.1 percent in the latest fiscal. Moreover, the net interest cover of the firm has also declined from 3.0 times to 2.7 times that provides marginal safety net for the firm in the current sluggish business environment. The declining stock turnover (in days) year after year is a good sign. In fact, it also establishes the declining needs of the working capital for your business. We have worked out the working capital requirement for your firm based on the information provided by you. The increased working capital requirement for the projected sales of  £1,550,000 is likely to be  £167,000 (working in annexure A). Considering the strength of your balance sheet and increased worki ng capital requirement, our bank increases existing overdraft limit from  £90,000 to  £180,000 and that should be adequate to meet your requirements. Our bank is in receipt of your loan request to increase the overdraft facility to  £10,000. We understand that you have to meet some essential expenses such as school fees for your son. Kindly find our detailed reply to your loan application in the following paragraphs. We extend overdraft facility to our valued customers essentially to meet some contingencies and sort out temporary cash flow issues when you fail to receive your dues in time. Though you started with initial overdraft of  £2,000 it has steadily increased and has reached to  £3,600. We notice

President Bush and President Clinton Essay Example | Topics and Well Written Essays - 750 words - 1

President Bush and President Clinton - Essay Example ar threat from North Korea , blown open the federal budget deficit, presided over economic recession and weakness, overseen an historic gap between corporate profits and worker compensation, and ignored menacing environmental issues such as pollution and global warming. There is no doubt that Bill Clinton was a far superior leader and far more worthy of the respect, admiration and gratitude of Americans. The reputation of the United States is the first area in which the difference between Bush and Clinton is stark. Under Clinton, the United States respected multilateral agreements, sought consensus among the international community on matters of great import, projected the power of the United States in a non-arrogant manner, and respected human rights. For example, Clinton pursued and successfully achieved treaties that grew and strengthened international trade, such as the North American Free Trade Agreement (NAFTA) and the General Agreement on Tariffs and Trade (GATT). He also helped negotiate the Kyoto Protocol against global warming. In addition, he utilized U.S. military power when necessary and within the context of NATO, as was the case in Kosovo. Because of his active solicitation of and respect for the opinions and influence of other nations, the United States enjoyed a high degree of respect and admiration throughout the world. On the contrary, Bush has led the U.S. to an all-time low in its image abroad. Virtually from the beginning of his presidency, he has pursued an all-out assault on the international progress that took eight years to achieve during the Clinton administration. He immediately backpedaled on security assurances that had been made to North Korea, effectively provoking that country to resume nuclear weapons development and causing them to return to caustic anti-American propaganda and posturing. In addition, he pulled out of the Kyoto accord on global warming, effectively leaving much of the rest of the world high and dry when it comes

The Transition to Parenthood Essays -- Parenthood Pregnancy Fertilizat

The Transition to Parenthood Section 1: The case study Today, in western industrialized nations, the decision whether or not to have children is, as Berk (2004) describes it a â€Å"†¦.matter of individual choice† (p.460). This contrasts with many non western nations where what Michaels (1988, cited in Berk, 2004) describes childbearing as, â€Å"†¦an unavoidable cultural demand† (p.460). Research on the New Zealand population suggests that couples are having children at a much later phase of life. The median age for a woman to give birth is now 30.3 years, compared with her counterpart in the early 1970’s who gave birth at 24.9 years. There is also an increasing amount of individuals foregoing parenthood altogether. Statistics also show a trend towards later marriages and smaller families (www.stats.govt.nzfertility-rates) and couples living together especially in the early stages of the relationships (www.familiescommission.govt.nz). Many factors contribute to the marked shift from early to delayed childbearing. Berk (2005) suggests financial circumstances, personal and religious values and health conditions are influencing factors. While Barber; Tangri & Jenkins (cited in Berk, 2004) suggest that women with high-status, demanding careers will less often choose parenthood than those with less time consuming positions. Other factors may include how the parents feel a new baby will impact on their lives in terms of disrupted sleep, caregiving tasks and the couple’s relationship. Harry was 36 and Sally 34 when Sally fell pregnant. The previous 10 years were spent forming an intimate relationship, travelling, working and saving money for the future. Both focussed through their schooling years, earned high paying jobs and travelled intermittently. Both came from high socio-economic families and aspired to their parent’s life achievements. Being able to raise a child without concerns over money was the main motivation behind both Harry and Sally’s joint decision to delay childbearing. Financial independence, they felt would be achieved through owning their own property and having money in the bank. Once pregnant Sally suffered from morning sickness and her employer encouraged her to take time off when needed to rest; and at eight months pregnant Sally finished work, while Harry continued to work evenings and weekends. Harry’s long working hours had not ... ...he extended family, the couples workplaces, the support within the community, social services available and the overarching belief of a nation at that particular time all work together and ultimately provide a notion of how well the individual and the family unit adjusts. Reference List Berk, L.E. (2004). Development through the lifespan (3rd ed.). Boston, MA: Allyn and Bacon. Families Commission (2005). Let’s give a fair go to families. Retrieved April 26, 2005 from the World Wide Web: http://www.familiescommission.govt.nz/media/20041222.php Heath, P. (2005). Parent-child relationship: history, theory, research, and context (1st ed.). Upper Saddle River, NJ: Pearson Hutchins, T. & Sims, M. (1999). Program planning for infants and toddlers: An ecological approach. Australia: Prentice Hall. Lefrancois, G.R. (1999). The lifespan (6th ed., pp. 45-48). Belmont, CA: Wadsworth Publishing Company. Papalia, D. E., Olds, S. W., & Feldman, R. D. (2001). Human development (8th ed., pp. 501-503). Boson: McGraw-Hill. Statistics New Zealand (2005). Fertility rates. Retrieved April 5, 2005 from the World Wide Web: http://www.stats.govt.nz/popn-monitor/births/default.htm

Can Dr. Jekyll and Mr. Hyde be seen as a commentary on Victorian Society? Essay

In the Victorian times of Dr. Jekyll and Mr. Hyde, keeping an impeccable image and social profile is of great concern to upper middle-class professionals. But behind the strict rules of their society lie desire, temptation and curiosity. Robert Louis Stevenson focuses on three professionals, two doctors and a lawyer, who are representative of this contradictory aspect of Victorian society. They both value the faà §ade of a proper life and have a secret side that contradicts it. Doctor Jekyll can be seen as portraying a victim of desire. He is a wealthy, successful and well-liked doctor, describing himself as â€Å"fond of the respect of the wise and good among [his] fellowmen†. Yet those qualities set aside, he is consumed by a darker, more evil side. Though he craves to set it loose, he is embarrassed by it and feels the need to hide it: †Many a man would have even blazoned such irregularities as I was guilty of; but from the high views that I had set before me, I regarded them with an almost morbid sense of shame†. The pressure that Jekyll endures to adapt to the rules of society and therefore to suppress his desires and evil impulses provokes the decision to split his contradictory sides in two, thus to create a separate Hyde to embody the negative elements. He hopes this will allow him to appear to follow a righteous path, while allowing Hyde and therefore his more unacceptable impulses to also be freed: â€Å"If each, I told myself, could be housed in separate identities, life would be relieved of all that was unbearable; the unjust might go his way, delivered from the aspirations and remorse of his more upright twin; and the just could walk steadfastly and securely on his upward path, doing the good things in which he found his pleasure†. â€Å"Separated† from Hyde, we see that Jekyll has actually become the victim and lost control. Jekyll is repulsed by Hyde and admits he is â€Å"pure evil†. When Hyde dominates, however, Jekyll asserts he is â€Å"conscious of no repugnance, rather of a leap of welcome†. Even when Jekyll attempts to suppress Hyde completely, Stevenson depicts him as the weak link: his inner demon tempts him and drags him back to falling into desire. Hyde becomes uncontrollable, as evil is, and eventually comes to permanently replace Jekyll. Stevenson uses Edward Hyde to convey a range of ideas about the nature and power of evil as well as about our response to it. Hyde raises a fear and deep repulsion in other people, as seen in Enfield’s story of the door. â€Å"I had taken a loathing to my gentleman at first sight† Enfield claims, suggesting that Hyde’s mere physical appearance brings out the worst in people. Hyde, as asserted by Jekyll, is purely evil and is constantly compared to Satan or a primitive creature. He is described by Jekyll as having â€Å"ape-like spite† and by Enfield as being â€Å"really like Satan†. These connotations suggest that Hyde is actually the original nature of man, repressed over the years by the bonds of civilization. Of all the characters, he is the only one who does not care about society and thus is a free man. Yet even though Hyde is presented as being the worst creature that could possibly exist, he carries out his evil in a way that a person enduring the pressures of Victorian society can relate to. This is represented by Hyde’s house in Soho, a neighborhood where respectable people went to indulge their secret sides. It is never said what Hyde does in Soho both in order to suggest sin that needs to be hidden from the eyes of society, but also to allow a reader to imagine the unacceptable behavior in question: it makes the text more universal in being less specific. The dangers of a boundless freedom are equally depicted in Hyde’s character. As the story progresses, his evil becomes greater. He kills Sir Danvers Carew possibly for the simple reason that he is a purely good, well-loved man; pure evil hates pure good. Jekyll later relates that â€Å"with a transport of glee, [he] maul[s] the unresisting body, tasting delight from every blow† showing the pleasure Hyde takes in his act. As Hyde has no limits, he does immoral things without even seeming to realize the extent of his actions. After trampling â€Å"calmly† over a girl, he leaves her â€Å"screaming on the ground† as if nothing has happened. Stevenson uses an old man and a young girl as both of Hyde’s victims to underline the fact that Hyde acts upon his impulses and chooses his victims as they come, no pattern can be found in his choices. Yet despite having painted Hyde as vile and primitive, he surprises others in his interactions with his good manners and education. This puts forth the connection between Jekyll and Hyde. Though Hyde is considered as purely evil, he retains a part of Jekyll, which comes out when dealing with people Jekyll knows: he uses terms such as â€Å"I beg your pardon† and uses the polite title in front of people’s namesThis is also the case when Hyde writes the note to Lanyon, by the hand of Henry Jekyll, suggesting that no matter how much more powerful Hyde is than Jekyll, there is still a part in Hyde where Jekyll dominates. Stevenson uses the character of Lanyon as a lens through which the reader sees Jekyll. Though Lanyon plays only a minor role in the plot, his thematic significance extends beyond his few appearances. Like Jekyll, he is a doctor, but their scientific paths diverge years before the novel begins. Lanyon believes in a ‘Victorian science’ which is a material science that only leads to useful purposes and shuns unacceptable research such as Jekyll’s metaphysical science which Lanyon describes as â€Å"unscientific balderdash†. As Lanyon is a fellow professional, it is appropriate that he be the one to witness Jekyll’s transformation. His account and description are credible as he is a doctor and he sees the materialization of Hyde into Jekyll in a technical way, observing every detail with the eye of an expert. Because of their scientific differences, though, initially Lanyon doesn’t comprehend the reasons why Jekyll would do such a thing. These differences show us how much Jekyll has diverged from the rules of society and the importance of anyone finding out about Jekyll’s experiments. Lanyon also plays a major thematic role in exploring curiosity, its dangers and for the novella’s consequences. He has a natural desire for knowledge, seen in his occupation of scientist – he is a doctor, a medical researcher. This pushes him to be curious enough to test the boundaries of the rules of Victorian society. Hyde offers him a choice: either walk away without knowing the reason behind all Jekyll/Hyde had asked him to do or watch Hyde transform into Jekyll: â€Å"Will you be wise? Will you be guided? Will you suffer me to take this glass in my hand and to go forth from your house without further parley? Or has the greed of curiosity too much command of you†. According to Victorian rules, the right decision would be to pick the first option, yet Lanyon, consumed by curiosity and dying for answers, picks the second. This decision, though it brings Lanyon answers, also leads him to his downfall. He is so terrified by the knowledge of what Jekyll/Hyde have shown him that he chooses death over living with such unbearable truth; he says to Utterson, â€Å"I sometimes think if we knew all, we should be more glad to get away†, symbolizing that knowledge has a price and he finds death preferable. Utterson, on the other hand, symbolizes the perfect Victorian gentleman. The first impression he makes on people is negative; he is said to be â€Å"cold, scanty and embarrassed in discourse; backward in sentiment; lean, long, dusty, dreary†. Yet his loyalty towards his friends makes him â€Å"somehow lovable†. Even when Utterson is convinced that Hyde is involved in various criminal activities, he keeps the facts to himself to save Jekyll’s social profile. He considers Hyde as â€Å"the ghost of some old sin, the cancer of some concealed disgrace: punishment coming, pede claudo, years after memory has forgotten and self-love condoned the fault†. Utterson himself does not have anything to hide from society as he leads a life of regulated routine, dominated by his adherence to most principles. â€Å"It was his custom of a Sunday, when this meal was over, to sit close by the fire, a volume of some dry divinity on his reading-desk, until the clock of the neighboring church rang out the hour of twelve, when he would go soberly and gratefully to bed†. Utterson is a man in control of his feelings and desires. For example, he prefers to drink moderately and in the company of his friends; friends keep you secure. In the end, Utterson’s Victorian sense of conformity and his loyalty to friends come together. This can be seen when he is summoned by Poole to Jekyll’s home and sees all the servants â€Å"huddled together like a flock of sheep†. Instead of being frightened, he searches for a coherent reason to explain the odd incidents related to Jekyll. Yet again, when Poole claims that his master has been replaced by someone else, Utterson tells him that Jekyll is simply â€Å"seized with one of those maladies that both deform and torture the sufferer†. Though Utterson suspects this is not the truth, he claims it is to not interfere with Jekyll’s life. Utterson can also be seen as the character that inspires the most trust. His devotion to his friends makes him their primary confidant. This can be seen first through Lanyon, who decides to reveal what he knows about Jekyll to Utterson, when he has told no one else. Next, we can see this through Poole, who comes immediately to Utterson to seek help about his master, knowing that Utterson will make the right decision. Finally, Jekyll’s full statement to Utterson proves that he is the one whom everyone seems to trust. When Utterson receives Lanyon’s letter, he is told to only read it once Jekyll is dead. Utterson proves that the trust of others is well founded, as he is dying to know the cause of Lanyon’s sudden death, but he complies with the request. Though Dr. Jekyll and Mr. Hyde is an entertaining page turner and successful popular novella, it can also be seen as representing strong criticism of Victorian society. As a horror story, it also represents more generally the fears of a society’s sins being revealed. As we analyze these different characters, we realize that the upper-middle class professionals were bound to strictness, repression and self-preservation by the society they had created. The denial of the existence of primitive, more instinctive elements of man leads to a suppression of part of man’s true nature in Victorian society. Jekyll, by unleashing this other true nature, reveals the greatest fears of society: the unknowable, the uncontrollable.

Spiritual Formation - 1595 Words

SPIRITUAL FORMATION THROUGHOUT THE LIFESPAN BY SOMMER BARNES LIBERTY UNIVERSITY ONLINE Abstract In this research paper, I will try to illustrate my hypothesis of spiritual formation throughout the lifespan by using my interpretation of a collection of theories. The theories I will refer to include Piaget’s Cognitive Development Theory, Erikson’s Psychosocial Theory, and Kohlberg’s Development of Moral Reasoning Theory. In Piaget’s Theory of Cognitive Development, he develops a theory of cognitive development that occurs in stages from persons under two years of age through age 14. Piaget’s theory relates to the cognitive development of a human person. In Erik Ericksons Theory of Psychosocial Development, Erikson describes a theory†¦show more content†¦* * Erik Erickson’s theory uses distinct critical crises that occur in one’s life that require an â€Å"ah hah† moment which leads to maturity. It is with this model I will now illustrate another perspective on spiritual formation through the life cycle. Eri kson puts a clear emphasis on societys role in the development of n individual. Erikson advises that crises are never completely resolved and can re-emerge later in life, if left unresolve. I think that throughout ones spiritual journey we all have different things that we question, learn, discover and each of these changes in thinking all come from a moment that you decided that is your belief spiritually. Modeling Erikson’s stages of psychosocial development, the first stage is basic trust vs. mistrust. A spiritual leader, a church family, a version of your bible; these things are all things that you rely on to get to know your higher power. These things should align in most basic beliefs but when they contradict one another, a seeker of truth must ask himself- â€Å"What do I believe?† In the next stage of development, autonomy vs. shame are a crisis that occur when the thinking becomes strong and confident when the spiritual journey is welcoming, joyful and en vironmentally sound. In cases * If a believer is surrounded with unstable fellowship, â€Å"lost in the crowd† churches and too many questions within, the seeker canShow MoreRelatedBook Review Spiritual Formation as it the Church MatteredV2 Essay1408 Words   |  6 Pagesï » ¿LIBERTY UNIVERSITY Book Review: Spiritual Formation as if the Church Mattered BY: Thomas L. Arrington CLASS: EVAN 500; Spiritual Factors of Growing Churches INSTRUCTOR: Dr. Gregory Faulls DATE: 24 JANUARY 2015 James C. Wilhoit, Spiritual Formation as it the Church Matters (Grand Rapids, MI: Baker Academics, 2008). 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How would God Himself answer, with just one word, this question? His response, no doubt, would be, conformation. â€Å"For whom he did foreknow, he also did predestinate to be conformed to the image of his Son, that he might be the firstborn among many brethren† (Romans 8:29). Thus, it is His revealed will that His children become more like His dear Son, Jesus Christ, daily. This â€Å"conformation† is brought about in cooperation with the Holy Spirit. God, through the ApostleRead MoreWhat Is Spiritual Formation?1489 Words   |  6 PagesWhat is spiritual formation? Spiritual formation is how God impacts our lives and â€Å"forms† them (our lives) to be like Christ. It is the â€Å"ongoing process of the triune God transforming the b eliever’s life and character toward the life and character of Jesus Christ.† In other writers words spiritual formation can be defined as †the ministry through which we seek to stimulate and support the ongoing spiritually transforming work of the Holy Spirit in and through the personal lives, relationships, andRead MoreWhat Is Spiritual Formation .. .2517 Words   |  11 PagesLife Coaching Spiritual Formation: What Does It Mean? Liberty University Abstract This research paper will give a brief examination of the history and development of life coaching in general, and then it will look towards the niche coaching specialty of spiritual formation. This writer will endeavor to answer the question, â€Å"Spiritual formation: what does it mean?† There will be discussion around this topic as it is examined from several perspectives and worldviews. 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Marketing Strategies - 1969 Words

LINCOLN COUNTY HOSPITAL HAWKEYE (Telemedicine program) Overall idea: We plan to propose that the hospital continue its quality initiatives and advertise to patients via low-cost options. We think the hospital could market telemedicine to in-home users, cardiac patients and a range of inpatients (expanding services offered to inpatients). Our assessment differs from others in that negotiating with payers (where possible) is also a consideration. 1. Background/Situation Assessment SWOT Analysis Strength: Strong partners (providence sacred heart) Physician alignment Competition is less First telemed program there 24 hours (ER, helipad) Low cost Funding from local club organizations Advanced technology (detailed†¦show more content†¦Our audience is as follows: Payers: We propose marketing to move toward negotiations with payers where possible, but this is not a straightforward task. Chars data (2012) shows Medicare and Medicaid were payers for 79 percent of acute-care patient days in 2012 (not counting swing beds; but our data might be skewed if including nursing home residents). Because hospitals typically are not able to set the terms of CMS’ payments, we propose investigation into additional pilot projects (adding to what Lincoln Hospital has already initiated), including the Community-based Care Transitions Program. Data about the existing payer mix is publicly available (inexpensive, neutral), but doesn’t look at the total market (see next section). Private/commercial insurers are also a reasonable audience for telemedicine because of Lincoln’s low costs and the county’s demographics. Lincoln County’s median age (47.3) skews a bit older than Washington on average (37.1) according to U.S. Census data, but that average hides a cluster of working-age adults that are prime candidates to be private and commercial insurance consumers. More than one-third of Lincoln County is aged 25 to 54 (the 45 to 54 age group is the largest – which is likely already a consideration in what services the hospital may need next to serve its population). About 60 percent of the county’s population (all ages) was in the labor force as of 2007 to 2011 Census surveys, with about the sameShow MoreRelatedCorporate Responsibility and Marketing Strategies1838 Words   |  8 Pagesï » ¿ Corporate Responsibility and Marketing Strategies Wanda Joyce McGhee Dr. Malinda Swigart Business 508 July 13, 2014 Corporate Responsibility and Marketing Strategies There is no question that Apple is a remarkable company. In addition to its business turnaround, its innovative design, and its media content and apps, the unadulterated  sexiness of all its products makes Apple hard to resist. 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Systems Analysis And Role Of The Systems Analyst - 2802 Words

Assignment 1 – Task 1 (P1) (P1 – 1) An explanation of what Systems Analysis is and the role of the Systems Analyst. Discuss Systems Analysis and the role of the Systems Analyst A system analyst is an important part of a business, who is usually an IT professional, specializing in analyzing, designing and implementing information systems. The primary role of a system analyst is to assess situations, and the suitability of information systems, and then study the problems and improvements needed within a certain organisation and come up with a way that these changes can be made effectively. It is the role of the system analyst to research problems, plan solutions, recommend software/systems and to overall co-ordinate the development of the†¦show more content†¦The system analyst will then examine the project thoroughly and go through any potential faults they think will cause a major issue for the company, and make plans to solve them as quickly and effectively as possible. The primary purpose of the system analyst at this stage is to gather information as much information as possible and determine any specific requirements needed for e.g. software, w hich will be specified in the requirements specification. The end product of the system analyst stage is known as the deliverable – which will be the end set of requirements that the analyst has chosen for the project. A system analyst can have the following duties: †¢ Interacting with any internal users/customers in order to learn and document any requirements †¢ Write up any specified technical requirements. †¢ Give presentations about their findings to clients and colleagues †¢ Interact with designers in order to understand software limitations. †¢ Help the programmers during system development †¢ Perform the system testing. †¢ Deploy the completed system. †¢ Document the system development contribute to user manuals and training. (P1 – 2) A discussion of the reasons why an organisation might initiate a Systems Analysis project†¦ TELOS. Discuss the reasons why an organisation might initiate a Systems Analysis project †¢ To improve efficiency †¢ Improve ease of use †¢ Make use of new technology †¢