Essays And Term Papers

Essays And Term Papers Some type of a top level view is essential to planning and organizing your ideas. Identify the principle problem and the key points you need to make. List any main themes into which the subject can be subdivided. An define traces the development of your concepts, and offers a reference point to return to, if wanted. In addition, it is a good suggestion to print out internet pages you cite as references in your paper. Sometimes the document, webpage, and even the entire website isn't accessible at a later date, and you can not then prove its existence. It is beneficial to write down down the titles of the indexes you could have searched, in case you should do additional research later. Use the Novanet catalogue to seek out books on your topic. Refer to your listing of phrases and concepts; select key phrases and topic headings to type into the Novanet catalogue. Some sources can be found for loan at both the Library and the Saint Mary’s Writing Centre. Use Arabic numerals as page numbers for the physique of the paper, usually placed at the prime proper. Double-house the body of the paper; nonetheless if a quote is over 40 words long, use single spacing. Some instructors may want you to comply with a selected guide, so remember to verify with them before formatting your paper. Padding can distract, confuse, and irritate your readers, and most professors can spot it a mile away. A Bibliography/Works Cited List is an inventory of all the sources you used in your paper or discovered helpful in making ready your paper. A listing of Works Cited contains only the works you cite in your textual content; different references are excluded. Arrange the listing alphabetically by the authors' surnames. Look for punctuation errors, shifts in verb tenses, and total to insure your paper makes sense. An in depth review on grammar and tips on how to get began writing. This section has a variety of guides that can assist you to with the writing and enhancing process. Doing so, you can summarize what you’ve already written within the paper as you compose the summary. This paper will have a look at the human genome project and its goals. I will show that scientists have ethical and moral questions about genetic engineering because of this project. The operate of an abstract is to explain, to not consider or defend, the paper. A listing of data sources on writing and modifying is out there in General Writing Guides section and on the Writing Centre. Have you included all the required information needed to make your arguments clear? If you are not certain what to search for or the way to repair one thing there are a number of grammar assets out there that can give you step by step guides on a number of key grammar points. Some folks favor to plunge proper in and write the first thing that comes to mind. But many of those individuals could have already got a psychological define of what they wish to say and are ready to place their jottings into some cohesive order later. Whatever method works for you, it's the end end result that matters, not how you bought there. One approach to narrow a subject is to examine the Library of Congress Subject Headings, which is positioned at the Library Information Desk. Subject headings will lead you to associated and narrower concepts referring to your topic. These ideas will type an important part of your paper. Ideas that outline all sides of a difficulty, argument or topic. Research will give you the small print, opinions, and details you need to develop your thesis. The greatest place to conduct your analysis is the Patrick Power Library, where sources are plentiful, and help is always available on the Information Desk. Look on the titles of books and articles, do web searches in your subject, and establish a narrower focus that interests you. For the books that look fascinating, write down the title, call quantity, and library. If the guide is at another university, you can place a maintain and have brought to the SMU library. Use some kind of system to report your individual impressions and thoughts about what you're studying. Do not fear should you do not know everything you will say earlier than you begin. Often it is only by way of the process of writing that ideas emerge. The body of the paper presents and discusses your evidence and arguments in paragraphs, every of which ought to have its personal unity. The introduction features a brief background in your topic, a thesis statement, a mapping scheme, and engages the interest of the reader.

How To Get Someone To Write My Research Paper

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4b Outline The Paper

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Is It Possible To Submit A Paper To A Scholarly, Peer

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On Writing

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Letters of Recommendation for College

Letters of Recommendation for College June 6 Sometimes, a simple letter of recommendation can say a whole lot. We came across a letter of recommendation that we figured wed share with our readers. In this particular case, the letter of recommendation is for graduate school admission. Indeed the same principles that make for great letters of recommendation apply to both college admissions as well as graduate school admissions. This particular letter of recommendation that were referring to was written on behalf of the late Princeton professor John F. Nash, the inspiration for A Beautiful Mind, a genius mathematician whose pioneering work in game theory earned him a Nobel Prize but whose struggles with Schizophrenia nearly ended his life. Youll note that the entire letter of recommendation goes like this: This is to recommend Mr. John F. Nash, Jr. who has applied for entrance to the graduate college at Princeton. Mr. Nash is nineteen years old and is graduating from Carnegie Tech in June. He is a mathematical genius. And that was it. But when a distinguished physicist  from  one of the worlds foremost institutions (Carnegie Tech would become part of Carnegie Mellon) writes that someone is a mathematical genius, people take note. In most cases, recommenders will have to show this genius through more stories to make for a great letter of recommendation for admission but in this instance, the simplicity of the statement worked extremely effectively. And, of course, Princeton made the right decision. They admitted John Nash and he would in time become one of if not the most distinguished members of the universitys faculty. Nashs was a life filled with  accomplishment, with overcoming adversity, and its a life Princeton, and the world, will sorely miss.

Religion Of Buddhism Buddhism - 963 Words

Ever since December of 2015, I became interested in the religion of Buddhism. After I watched Oprah Winfrey’s television series, Belief Buddhism has become something I wished to look into on a deeper level. Therefore, On October 9, 2016, I visited Wesleyan college East Asian studies facilities to participate in their Sunday meeting of Practice and Talk. During this hour and a half meeting, individuals who are exploring Buddhism will learn the surface practice of Buddhism more specifically shin Buddhism. Shin Buddhism or the teachings of Shinran (1173-1262), teaches us the importance of humility, the most important universal virtue. Many people think that the ultimate goal in Buddhism as well as human life is to become good. But according to Shinran, it is to become humble. During the meeting, the instructor welcomed us into a calm, relaxing room with a view of a Zen garden as we removed our shoes before entering the room. At first the removed of my shoes was a huge culture shock because I have only removed my shoes to enter my home and never for a meeting. This instant shock in my normal religious experience opened my mind to what was to occur in the next hour and a half of the meeting. As we proceeded to sit down in the room a volunteer welcomed everyone for attending the meeting in a calm relaxing tone. He spoke about the true meaning of shin Buddhism while banging on an instrument that is called the Bell Gatha which represents the voice of Buddha. Then he proceeded toShow MoreRelatedBuddhism : Religion Of Buddhism1282 Words   |  6 PagesBuddhism Did you know that Bauddha Dharma (Buddhism) can be translated as Religion of the Buddha or Way of Buddha . Which means following the teachings of the enlightened one. Buddhism is the religion of spiritual enlightenment through the suppressing of one’s worldly desires. Buddhism takes one on the path of a spiritual journey, to become one with their soul. It teaches one how to comprehend life’s mysteries, and to cope with them. In this essay, I will first start of will how theRead MoreThe Religion Of Buddhism And Buddhism1730 Words   |  7 PagesIn the world today, there are dozens of religions that have spread all over to many parts of the world to promote their idea of spiritual enlightenment and peace. One of the interesting things that occurs with some of these religions is after it spreads to a new area, how it becomes popular with the people and becomes a part of everyday life. The religion of Buddhism is one of these that had this effect when it began to sp read from India where it originated, to many Asian countries especially ChinaRead MoreBuddhism : Buddhism Is A Religion849 Words   |  4 PagesHannah Fulton 7SS Buddhism Buddhism is a religion that about 300 million people around the world follow. The word comes from budhi which means to awaken . It has its roots about 2,500 years ago when Siddhartha Gotama, known as the Buddha, was ‘awakened’ at the age of 35. To many people in the world that follow Buddhism, Buddhism goes beyond religion and is more of a philosophy or way of life for the people that follow it. It is a philosophy because philosophy means loveRead MoreBuddhism : Religion Of Buddhism1478 Words   |  6 PagesBuddhism How does Buddhism, through its teachings or practices best encourage its adherents to live out the golden rule? For this religion project I decided to look more closely into the religion of Buddhism. Buddhism is a religion that has around 300 million people world wide of all nationalities, race, sexuality and gender following and practicing its teachings. Buddhism is a path of spiritual development leading to the insight and understanding of the true nature of reality. BuddhistRead MoreBuddhism, Religion, And Religion1155 Words   |  5 PagesMany wars have been fought based on religion. Countless Disputes, debates, and lives. But, there is one religion that doesn t concern wars, or even violence. Buddhism. The question buddhism, is it a religion a philosophy has been raised so many times before, Indeed, Buddhism can be seen within an open secret of the past two decades, in which it s played no small part: namely, more and more people are finding personal connection to the sacred, lifted up out of and beyond the Sunday pews, madeRead MoreIs Buddhism A Religion?885 Words   |  4 Pag esBuddhism is a religion that was created and established by Siddhartha Gautama Buddha, a hindu who, after seeing what he called the four sights, sought to understand and explain the reason why the hardships of the world occurred. This lead him to create the Four Noble Truths and the Eightfold Path, both of which are meant to help anyone who follows them to reach prajna, the awareness of ultimate reality and then eventually reach Nirvana, a state in which an individual has extinguished the flames ofRead MoreThe Religions Of Shinto And Buddhism1079 Words   |  5 Pages The two religions that are located in Japan are Shinto and Buddhism. The two religions in japan are extraordinarily unalike, while Shintoism believes that every living thing including rocks and sounds contain some type of god in them, and Buddhism is concerned with the soul and afterlife that happens in Buddhism. The religions differ very much from each other with little similarities. Buddhism and Shintoism differ in one using shrines while the other has temples, the two both have religious ceremoniesRead MoreBuddhism : The Philosophy And Religion1426 Words   |  6 PagesBuddhism originated 2,500 years ago in India and today – is the prevailing world religion in the East. There are more than 360 million followers of Buddhism, including one million American followers. Buddhism has branched into a diverse selection of forms throughout its long history, however, all methods of Buddhism share an admiration for the teachings of Buddha with the ultimate focus on ending suffering (Religionfacts.com, 2015). In the 6th century BC, Siddhartha or Gautama Buddha was born inRead MoreThe Religion Of Islam And Buddhism1476 Words   |  6 Pagesand Buddhism are two of the biggest religion in the world. Around 1.5 billion of population is occupied by Islam and nearly half billion of population is occupied by Buddhism ( http://www.worldometers.info/world-population/). These two religion has different faith, belief, culture and tradition. Knowing that the use of alcohol is common in most parts of the world among different communities and tradition, it would be a great interest of knowledge to understand the facts how these two-religion IslamRead MoreThe Religions : Buddhism And Shinto1678 Words   |  7 Pagesformed. Religion is no exception; there have been many instances where religions have influenced each other and blossomed due to new ideas being presented. A good example of this the relationship between the two religions: Buddhism and Shinto. Buddhism was brought into Japan during the early 6th century from Korea, and was later institutionalized as the state religion in the late 6th century by Prince ShÃ… toku. The Prince was a great patron of Buddhism and by having made it the state religion, it would

Special Education Programs For Children - 3085 Words

Special Education programs are designed for certain students who are born with certain disabilities such as mental, physical, social, and sometimes have an emotional delay. These issues are normally found in once the child once he or she is born. As a parent, you are beyond thrilled of the new born blessing, that even if the child is born with a disability, the parent would love on he or she, just as if he or she had no disability. Once a child is born with a disability the parent goes the extra mile and beyond to ensure their child is getting the best help towards the child’s overall development. Children with disabilities cannot be met within the traditional classroom environment. There are special education programs statewide in each school to assist students with disabilities. Majority of the special education programs deals with the child’s cognitive and physical development, and scholastic skills. Children with special needs come from all different types of house holds. There are some kids who parents get the best help for their child overall development, while they are other parents who send s their child to school and letting the administrative of the school deals with the child. Although these services are free at no expense to the parents, some parents feel it’s the school job to assist their children with placing their child in special education programs. Another reason parents might lack in the child disability problem is because they also have a disability.Show MoreRelatedSpecial Needs Children and the Special Education Program Controversy1409 Words   |  6 PagesSpecial education is such a broad and sensitive topic to talk about as well as the several issues that come with the Special education topic. And although there are a variety of issues, such as: special education children being accepted, segregated from their peers, the financial ability to support many special education programs, and the fact that a lot of teach ers are not properly certified and do not know how to handle special needs children; there are also many resolutions. Special educationRead MoreThe Block Institute Of New York Supplies Services For Individuals With Developmental Disabilities1226 Words   |  5 PagesInstitute of New York supplies services for individuals with developmental disabilities as well as services for their families. The team working for The Block Institute consists of; Special Education teachers, Psychologists, Physical Therapists and Speech Therapists. This institute provides children’s services with special needs ranging from three to eleven years old. Extensive evaluations and services are provided through The Block Institute, which include; Physicals, Psychiatry/ Medication ManagementRead MoreEssay about Minority Students in Special Education Programs 1583 Words   |  7 Pages The special education programs in the United States have been designed to help children with special needs learn easier and fit in better with the education program. Unfortunately, many minority students get caught up in the mix and don’t get the proper attention they deserve. Furthermore, minority students are seriously over-represented in the educational programs. Many minority students are misdiagnosed and put into special education programs when in fact; they do not have a learning disabilityRead MoreHistorical Perspective of Sped1456 Words   |  6 PagesHistorical Foundation of Inclusive Education Based on the book of Teresita G. Inciong, Yolanda S. Quijano, Yolanda T. Capulong, Julieta A. Gregorio, and Adelaida C. Jines entitled Introduction To Special Education, it was during the year of 1902 and under the American regime that the Filipino children with disabilities were given the chance to be educated. Mr. Fred Atkinson, General Superintendent of Education, proposed to the Secretary of Public Instruction that the children whom he found deaf and blindRead MoreChildren With Disabilities And Special Needs1426 Words   |  6 PagesOne hopes that all schools in the U.S. that have disabled and special needs students do everything they can to ensure that such students are treated in a fair way and granted their right to equal access to education. For years, students with disabilities and special needs were not given the right to education. Many were labeled as incapable or the term â€Å"special† someone who needs particular requirements which is now known as special need s. They were not valued because of their failures and many sawRead MoreSpecial Needs Children800 Words   |  4 PagesLiterature Review BSHA/442 August 06, 2012 Dr. Elizabeth Thompson Literature Review Special needs individuals are not different from everyone they just need a little extra help along their way. This population has to have mediation because there are many who cannot speak for themselves. They need the help from a neutral person so that they can discuss complications that they may be dealing with without judgment. AdvocacyRead MoreMainstreaming Special Needs884 Words   |  4 PagesMainstreaming special needs The soaring cost of special education for disabled students has been appropriately integrated into public schools for the common good of all students from various social classes. Special education has had a deep histroy that has been characterized by a score of legislations that has set this form of education and how it is administered to assimilate students with learning disabilities into standard classrooms. In both the United Kingdom and the United States, the firstRead MoreProfessional : Self Assessment And Professional Standards1111 Words   |  5 PagesStooksberry, 2010). The Council for Exceptional Children developed and implemented the Initial and Advanced Preparation Standards. These preparation standards consisted of seven standards and twenty-eight elements â€Å"that bring its structure into alignment with all professional association partners in the National Council for Accreditation of Teacher Education† (Council for Exceptional Children.2015, Retrieved May 13, 2015). The Council for Exceptional Children incorporated specialty set into seven preparationRead MoreThe Importance Of A Special Needs Student849 Words   |  4 Pagesis not an uncommon occurrence when dealing with children who have special needs. This teacher was trained to understand the method used when working with a child who will unintentionally cause harm to themselves or others. A parent needs to understand that unconventional methods must be used with children who learn unconventionally. This research will show readers that each student needs their own educational met hods, which work around any special needs they may have. Schools have developed parentRead MoreAudience About The Evolution Of Special Education1113 Words   |  5 Pagesthe evolution of special education. Central Idea: Special Education has transformed over time; placement testing and programs have become more advanced due to increased knowledge of disabilities and the use of technological advances. Introduction According to â€Å"The Condition of Education† from the National Center for Education statistics, or NCES, in the 2013-2014 schoolyear there were 6.7 million students, anywhere from the ages of three to twenty-one, receiving special education assistances. That

Corporate Governance Evidence from Private Equity

Question: Discuss about the Report for Corporate Governance of Evidence from Private Equity. Answer: Part 1 - To: Chairman of the Board From: Mr. XXX (Corporate Governance Consultant) Date: 8th August 2016 Re: Roles and Responsibilities of CEO v. Roles and Responsibilities of a Director Sir, This is to bring to your attention that, financial crisis is a way of bringing corporate governance to the forefront. It has been noted currently that many issues take place within an organisation due to lack of defined roles, responsibilities and duties of the companys director as against the duties of the Chief Executive Officer (CEO). According to the Australian Financial Review, it was reported on 14th April, 2016 that many arguments have taken place between the directors and the CEOs due to the lack of their defined roles and responsibilities in the organisation. This report draws attention to the need of separation of powers between the duties of CEO and the duties of the directors. Additionally, this report includes specific recommendations on the separate roles of directors and the CEO. Report: Duties of Directors: A director is the most influential person in the company. Despite of the influence and charisma that is associated with their personality, they are still restricted by rules and regulations in the given organisation (Harford, Mansi and Maxwell 2012). In Australia, the duties of the director are laid in the Corporations Act. As a director, one has the duty to use their powers with care and diligence that is expected from any other reasonable man (Tricker 2015). A director should exercise his powers and duties in good faith and in the best interest of the company. Thus, it is expected from a director to act in the best interest of the organisation. Additionally, the director should not trade while the company is declared insolvent (McCahery, Sautner and Starks 2016). An insolvent company is the one who is unable to pay the debts of the company when they are due. It is a legal offence, if the director is found trading while the company is declared insolvent. Thus, one may conclude that the director of a company is the one who makes the organisation work and has the duty to keep the records of the company. In short, we may consider him as the backbone of the company (Acharya et al. 2013). Duties of CEO: A CEO is the top executive having the responsibility for the management and operations of business. The CEO is the one who has the duty to oversee the working and functioning of all the department and divisions in the company (Erkens, Hung and Matos 2012). The CEO has a wider and broader set of duties and role within an organisation such as setting up of annual budget, goals and targets of the organisation and the goals of the management. The CEO serves the board of directors, allowing them to create strategies that support the Board (Westphal and Zajac 2013). For example, if the Board sets the goal of paying dividends, the CEO will reserve the cash of the company rather than than buying assets or paying debts. In a non-profit organisation if the board sets the revenue goal, the CEO will focus on the development of fund raising goals. Board v. CEO The board of directors have the legal responsibility of ensuring that a business meets its aims and objectives. They are guided and restricted by laws that are imposed on them; they cannot act beyond the defined laws (Claessens and Yurtoglu 2013). The rules that impose a prohibition on the Board narrow their scope of using dictatorship on the broad goals of the organisation. Board members serve many positions at the same time, depending on whether they work for a profit or non-profit organisation or with the vice chair of the company. If a meeting is conducted and the CEO sits on the Board, then he shall be subordinate to the chairperson of the Board (Nini, Smith and Sufi 2012). The Board has the authority to hire, terminate or direct its CEO. At many non-profit organisations, directors who are appointed for a short-term period do not take many responsibilities, allowing the CEO to make most of the day-to-day decisions of the management, including firing, hiring and purchasing (Hermalin and Weisbach 2012). The Board carefully reviews the work of the CEO and takes pre approval on major initiatives on a quarterly or monthly basis. Hence, it may be said that it is the Board that has the ultimate authority of all the decisions that is taken in the organisation. The board has the authority to over ride all the decisions of the CEO. The CEO does not have the authority to refute the request of the Board unless the Board violates any legal provision (Liu and McConnell 2013). In smaller organisations, the Board has the authority to give their final signature over bills and cheques, while in the bigger organisations the CEO can give their final signature and enter into contracts. Hence, it may be said that the CEO has the ultimate responsibility of the organisation when it comes to management of the assets of the company. The CEO can sign the tax return if the treasury of the corporation is not present (Liu, McConnell, and Xu 2015). Recommendations and Conclusion: Relying on the factors that is mentioned earlier, one may conclude that there is lack of clarity between the roles and responsibilities of a director and the CEO. There is no seemingly difference between their duties and roles and this becomes the reason of disparity between the two. Since the directors of the company have legal onus on them, they should have defined roles that clearly state their legal obligations. The working of a company can be divided into the following sub categories such as: Executive; Financial; Managerial; and Legal The financial and the executive working of the company can be managed by the CEO, whereas, the managerial and the legal working of the company can be managed by the Board of Directors. It has been already stated that the CEO is subordinate to the directors of the company; hence, it is advisable to have a set of defined situations in which the CEO shall be considered subordinate to the directors. If there is any exception to these rules, the exceptions should also be clearly indicated. Conclusively, it may be said that with the growing differences between the directors and the CEO, it is important to separate their role from each other. The theory of separation of powers is advisable to the organisation as this would increase the existing disparity between them making the functioning any organisation, almost impossible. Part 2 To: Australian Institute of Company Directors (AICD) From: Corporate Governance Consultant (XXX Company) Date: 8th August 2016 Re: Need for Good Corporate Governance in Investment Report: Introduction: Corporate Governance is the system according to which business and corporations are controlled and directed. Corporate Governance specifies the division of rights and duties among the participants in an organisation based on the framework of corporate governance (Chen, Lu and Sougiannis 2012). An element of corporate governance is important for a successful outcome at all stages in the process of investment. Moreover, it also involves balancing the interest of the stakeholders, managers, financiers, customers, government and the community (Aebi, Sabato and Schmid 2012). This report evaluates the need for good corporate governance and the influence it has with high investor returns. Additionally, it contains a section wherein recommendations are provided so that companies with good corporate governance practices can align these to maximize their investor returns. Investment Process: In a literal sense, investment means money committed or property acquired for future income. The process of investment is divided into three stages: Mobilise available capital; Allocation of capital amongst the ends; and Monitor the use of the capital that is invested (Khan, Muttakin, and Siddiqui 2013). The above-mentioned process is the key functions of the any financial system. From the perspective of market economy, individual investors carry out the process of investment and the ultimate outcome will depend on their personal incentives and skills (Brammer and Pavelin 2013). However, the result will also depend on the organisational framework of regulations, laws and business policies that formulate and influence the associations between corporations and equity investors. The organisational framework is often termed as corporate governance. Link between good corporate structure and high investor returns: One of the most important relationships in market life is the positive association between economic growth and investment. By mixing the factor of quality and quantity of human skills and fixed capital, economies of the world have for more than a century had undergone an unprecedented increase in per capita income. This development has made it feasible to improve the quality of economic life for all the citizens (Jo and Harjoto 2012). The foundation of an investment process is the organisation and the search of efficient ways to mix the different resources available that are needed to produce those services and goods to meet the demand of the market. From the perspective of corporate governance and investment, it is important to focus on the discussion on the ability of the economy to match viable projects that are available commercially along with the financial resources that are needed to change the ideas into profitable enterprise (Armstrong et al. 2015). It is, however, important to note that capital is one among many other inputs that is needed to build a competitive economy. Managerial talent and skilled labour are are also vital for growth of investor returns. This is particularly true for equity financing that permits organisations to increase their exposure to risks that are associated with short or long-term organisations such as business restructuring, research activities and market expansion (Acharya e t al. 2013). However, it is not only about the amount of capital that is available in abundance but also about the economic welfare through formation of capital and this can be achieved only a good corporate governance structure. A regularised framework of good corporate governance structure has become very important for creation of wealth globally. Equally essential is the effectiveness with which allocation is made to alternative investment opportunities and how well the organisations utilisation of investment opportunities is monitored (Tricker 2015). If savings from household and corporate funds do not reach the best possible use, society will give up opportunities that lead to generation of additional income. In such a situation, entrepreneurs will not find proper funding for their projects and existing undertakings will not be able to expand their workings. The organisations that have the potential to yield profitable innovations will never be able to advertise. Additionally, re structuring of companies will also be impaired and assets will be locked due to underperforming activities (Westphal and Zajac 2013). Recommendations: A good corporate governance structure enables enforcement of provisions for protection of property and secure methods of registration and enables legal redress that will help in the mobilisation of capital. This framework is followed in the first step of investment. In the second process of investment, it is important to have a transparent and reliable account of corporate affairs. This shall allow the organisation to make informed decisions about the allocation of capital. At the third stage of investment process, proper procedures for internal corporate decision-making, the distribution of powers in the organisation, and proper incentive schemes are important factors for implementing effective corporate governance schemes. Conclusion: From the perspective of economic policy, one may conclude that the growing importance of good corporate governance structure does far beyond the interests of shareholders in a company. A weak corporate governance structure will impede the stages of investment and hence this will affect the overall economy of the world. Poor corporate governance will damage the capability to mobilise savings and this will affect proper allocation of resources amongst investors. Additionally, this will also prevent proper monitoring of corporate assets. Hence, it is advisable for the organisations to adopt a good corporate governance structure so that it leads to better investor returns. References: Acharya, V.V., Gottschalg, O.F., Hahn, M. and Kehoe, C., 2013. Corporate governance and value creation: Evidence from private equity.Review of Financial Studies,26(2), pp.368-402. Aebi, V., Sabato, G. and Schmid, M., 2012. Risk management, corporate governance, and bank performance in the financial crisis.Journal of Banking Finance,36(12), pp.3213-3226. Armstrong, C.S., Blouin, J.L., Jagolinzer, A.D. and Larcker, D.F., 2015. Corporate governance, incentives, and tax avoidance.Journal of Accounting and Economics,60(1), pp.1-17. Brammer, S. and Pavelin, S., 2013. Corporate governance and corporate social responsibility. Chen, C.X., Lu, H. and Sougiannis, T., 2012. The agency problem, corporate governance, and the asymmetrical behavior of selling, general, and administrative costs.Contemporary Accounting Research,29(1), pp.252-282. Claessens, S. and Yurtoglu, B.B., 2013. Corporate governance in emerging markets: A survey.Emerging markets review,15, pp.1-33. Erkens, D.H., Hung, M. and Matos, P., 2012. Corporate governance in the 20072008 financial crisis: Evidence from financial institutions worldwide.Journal of Corporate Finance,18(2), pp.389-411. Harford, J., Mansi, S.A. and Maxwell, W.F., 2012. Corporate governance and firm cash holdings in the US. InCorporate Governance(pp. 107-138). Springer Berlin Heidelberg. Hermalin, B.E. and Weisbach, M.S., 2012. Information disclosure and corporate governance.The Journal of Finance,67(1), pp.195-233. Jo, H. and Harjoto, M.A., 2012. The causal effect of corporate governance on corporate social responsibility.Journal of business ethics,106(1), pp.53-72. Khan, A., Muttakin, M.B. and Siddiqui, J., 2013. Corporate governance and corporate social responsibility disclosures: Evidence from an emerging economy.Journal of business ethics,114(2), pp.207-223. Liu, B. and McConnell, J.J., 2013. The role of the media in corporate governance: Do the media influence managers' capital allocation decisions?.Journal of Financial Economics,110(1), pp.1-17. Liu, B., McConnell, J.J. and Xu, W., 2015. The Power of the Pen Reconsidered: The Media, CEO Human Capital, and Corporate Governance.CEO Human Capital, and Corporate Governance (January 6, 2015). McCahery, J.A., Sautner, Z. and Starks, L.T., 2016. Behind the scenes: The corporate governance preferences of institutional investors.The Journal of Finance. Nini, G., Smith, D.C. and Sufi, A., 2012. Creditor control rights, corporate governance, and firm value.Review of Financial Studies,25(6), pp.1713-1761. Tricker, B., 2015.Corporate governance: Principles, policies, and practices. Oxford University Press, USA. Westphal, J.D. and Zajac, E.J., 2013. A behavioral theory of corporate governance: Explicating the mechanisms of socially situated and socially constituted agency.The Academy of Management Annals,7(1), pp.607-661.

The Beatles Essays (1687 words) - Counterculture Of The 1960s

The Beatles The Beatles The Beatles were an extremely popular and influential group in Rock n' Roll. My question is, "Why?" What drew thousands upon thousands of screaming fans to these four British musicians? Was it something in the sound of the instruments? Could it have been the bass beat, or maybe the guitar playing? What about their lyrics? They had a certain personality, too. Was that it? Let's look at each of these, and some other factors as well. What is the first thing you wonder when you hear something new on the radio? You wonder who sings it. The first thing you see when you pick up an album is who sings or performs it. Hmm? This suggests the power of a catchy title. Something out of the ordinary to catch the eye. Something misspelled, perhaps? The Beetles? No, The Beatles. What's in their name? In the words of Beatle John Lennon, "when you hear it, the name is little crawly things. When you see it, it's"beat" music." I think that's quite attractive to a record store browser, don't you? Of course, another thing that could catch a browsing customer would be the pictures on the album. The fronts of record albums are versatile that way because one can fit a lot on them. I have looked at the images on a few Beatles' records and, I must say, they are rather attractive and flashy. One particular cover that I was able to view is an album that went unreleased due to its picture. On the cover there is a photograph of The Beatles in a butcher shop with carcasses hanging around them; it certainly caught the eye. On another album, the boys were all dressed up in Spanish bullfighter uniforms that were gaudy enough to catch the eye of a blind man. The sounds that the ear hears in a song are without a doubt important to the person's opinion of that song. To examine the sound of the instruments, I played the Anthology music through a stereo with adjustable graphic equalizers. On a few songs, I isolated the bass, and therefore the bass beat, then the treble, which includes vocals and guitar, and finally, the background, which is mostly Ringo's drums. The first thing I noticed was a particularly catchy beat. It was generally quick and moderately heavy. This would seem to be easy to dance, or toe tap, to. I also listened intently to the guitar throughout the songs, especially the guitar solos. George Harrison plays solos in "I Saw Her Standing There" and "Money", that sound quick and surge forth with an ear catching sound. Other bits, in "Free as a Bird" and "Cry for a Shadow", for example, slowly twanged along. The background sound of the drum is generally not as noticeable in the music. The drums were generally drowned out by the guitar and vocals; only the clanging of the symbols is clearly heard. It seems as though the drums are almost completely absent in some songs like "She Loves You", "I Want to Hold Your Hand", and "Can't Buy Me Love". Simple logic leads me to believe that the drums, other than bass, were not a significant contributor to their success because, if you can't hear them, what's the use? I am a musician myself, and I have heard music that sounds as though it would be difficult to play. However, I don't hear that in most Beatles music. Perhaps, a simpler technical structure made it easier to understand their music. Another possibility is that other bands were able to cover (Play songs that aren't theirs) some music of the Beatles easier, and therefore, help to spread the Beatles' music around. For the most part, Rock songs consisted of things teenagers are into and experiencing. Of course, the most prominent of those things are raw passion and sexuality. When the Beatles, or any group for that matter, sang about love, and the actions and emotions associated with teenage love, the new generation was naturally attracted to their singing. Of course, there is also the age-old issue of teenage rebellion. Think for a second, here. What is the last thing a parent wants their child listening to? Songs about fast cars? No, those are okay. Songs about raw passion and sexuality? Bingo! Aren't ulterior motives wonderful? What teenager is not going to enjoy watching their parents cringe with the sound of their favorite song? The Beatles were different, though. They sang the same music, but people were not threatened by them. "Happiness is a Warm Gun" and

The ABCs of APR Everything You Need to Know

The ABCs of APR Everything You Need to Know SAT / ACT Prep Online Guides and Tips When you look at a loan or credit card offer, you’ll see the term â€Å"APR,† or annual percentage rate, popping up all over the place. What is APR, exactly, and why is it important when taking out a loan or choosing a credit card? This guide will tell you everything you need to know about annual percentage rate and how you can use it to understand the annual costs of a loan or credit line. To start, let’s establish a working definition of APR. What Is APR? What is APR? What does APR stand for? APR stands for annual percentage rate, and it tells you the total amount of interest and fees you’ll pay each year on borrowed money. It’s a more comprehensive value than interest rate, and it’s meant to help you compare loans and credit cards on a standardized basis. APR is presented as a percentage of the total amount borrowed, or the principal. That being said, APR works differently on loans than it does on credit cards. Let’s take a closer look at both, starting with loans. How Does APR Work on Loans and Mortgages? On a loan or mortgage, APR tells you to the total amount of interest and fees you’ll pay each year. The types of fees depend on the type of loan. On a personal loan, for instance, a common additional fee is an origination fee. On a home loan, the main additional fee is closing costs. If your loan or mortgage doesn’t have any fees, then the APR will equal the annual interest rate. Let’s say you borrow $100,000 at a 5% interest rate on a 30-year fixed rate mortgage. You pay $1,000 in closing costs. Your APR, then, is 5.1% (interest rate + closing costs, as a percentage of the principal). You would pay $5.10 each year for every $100 you borrowed. APR includes closing costs, so it’s a more realistic representation of your long-term costs than the annual interest rate is. Because of the Truth in Lending Act of 1968, lenders must calculate loan APR in the same way. This consistency allows you to compare offers and clearly see your long-terms costs. APR gives customers a quick and easy way to compare the terms of loans or mortgages on an apples-to-apples basis. By knowing the APR, you can use an APR calculator to calculate your monthly payments and figure out how much you’ll end up paying in fees and interests. Usually, a lower APR means you’ll spend less money over the long term. To see why, consider the example of a $200,000 mortgage below with two loan APRs that differ by just a few percentage points. Thanks to the 1968 Truth in Lending Act, all lenders must calculate APR in the same way. Examples of APR on a 30-Year Mortgage Let’s consider two scenarios using a $200,000 mortgage. In the first scenario, you get a 5.5% APR on a 30-year mortgage. In the second, you manage to get just a 5.2% APR over 30 years. By comparing the two rates, you can see how much money you save in the long run with an APR that’s only slightly lower than another one. Scenario 1: $200k Mortgage With a 5.5% APR Using Bankrate’s APR calculator, let’s consider a $200,000 mortgage over a 30-year term with a 5.5% APR. To pay off this mortgage over 30 years, you’d have a monthly payment of $1,135.58. After 30 years, you’d end up paying a total of $408,807. Since you initially took out $200,000, this means you’d end up paying $208,807 in interest and other fees. Scenario 2: $200k Mortgage With a 5.2% APR What if your APR was a bit lower, say 5.2%? How much would you save in the long run? With a 5.2% APR on a $200,000 loan, you’d pay $1,098.22 a month for 30 years for a total of $395,361. Your additional costs would add up to $195,361 - a large amount, but significantly lower than the costs incurred with a 5.5% APR. You would pay $13,446 less on a $200k, 30-year mortgage with a 5.2% APR than you would with a 5.5% APR. As you can see, getting a mortgage with a slightly lower APR can save you a significant amount of money in the long run. When you're shopping for a mortgage, you should compare offers to get the best deal. Now that you have a sense of how APR works on a loan or mortgage, let’s look closer at how annual percentage rates work on credit cards. When you're choosing a 30-year mortgage, remember that a difference of just one or two percentage points in an APR can make a big difference in your long-term costs. How Does APR Work on Credit Cards? When you look at a credit card, you’ll see several APRs. Credit cards have different APR for different types of transactions, like one for making purchases and another for transferring cash. For most people, the APR related to making purchases is the most important rate. On credit cards, APRs don’t typically include additional fees related to cash advances or late payments. Rather, they reflect the daily periodic rate, or the interest that’s calculated on your account each and every day, over the entire year. If you want to know your daily periodic rate, then you can simply take the APR and divide it by 365. How do credit cards come up with APR? They use the U.S. prime rate and then add their own margin. For instance, the prime rate could be 5% and the issuer could charge a 12% margin. The APR, then, would be 17%. APR on a credit card could stay the same from year to year, or it could fluctuate along with the U.S. prime rate. APRs that change are called floating or variable APRs. Your APR may also depend on your creditworthiness, as you’ll see in the example below. People with higher credit scores get a lower APR, and people with lower credit scores get a higher APR. Credit card companies may also offer promotional APRs when you open a new account. You could get 0% APR on purchases for the first year. After that promotional period, the APR would return to the normal rate. While you’ll see a lot of promotions regarding APR from credit card companies, you should keep in mind that APR may not matter. In fact, it shouldn’t even be a factor for many people. Read on to learn why. Are you making a purchase? Transferring cash? A credit card usually has several APRs, one for each kind of transaction. APR on Credit Cards: Does It Matter? If you pay off your full credit card balance every month, then you will never have to pay interest. For all intents and purposes, your APR is always 0%. To use a credit card responsibly, you should always pay off your full balance every month. Credit card interest rates are high, and carrying a balance is one of the quickest ways to get into debt. If you’re spending more than you can afford to pay off within the month, then you need to step back, make a budget, and take steps to control your personal finances. If you’re using a credit card well, then the promotional and regular APR offers should not matter. Instead, you can choose a credit card based on other perks, like cash back and travel points. Speaking of travel rewards, let’s look at one of the best cards for travel points, the Chase Sapphire card, to get a sense of its various APR structures. If you pay off your full credit card balance every month, then your purchase APR will be 0%. Example of APR on the Chase Sapphire Preferred Credit Card Here are the various APRs on the Chase Sapphire Preferred credit card, as borrowed from its website. Notice how it offers a range of rates, based on your â€Å"creditworthiness.† The first is the one that applies to credit card purchases, while the others have to do with other transactions. INTEREST RATES AND INTEREST CHARGES Purchase Annual Percentage Rate (APR) 16.24% to 23.24%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate. Balance Transfer APR 16.24% to 23.24%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate. Cash Advance APR 25.24%. This APR will vary with the market based on the Prime Rate. Overdraft Advance APR 25.24%. This APR will vary with the market based on the Prime Rate. How does Chase Sapphire calculate its credit card APR rates? It uses the U.S. prime rate as of December 22, 2015, which was set at 3.5%. According to Chase, â€Å"We add 12.74% to 19.74% to the Prime Rate to determine the Purchase/Balance Transfer APR...We add 21.74% to the Prime Rate to determine the Cash Advance/Overdraft Advance APR.† As with many other lenders, Chase sets its own margin and adds this margin to the prime rate. Then, it assigns APRs based on the creditworthiness of each individual. Again, credit card APR might not come into play if you pay your balance off in full from month to month. It’s still important to know what you’re signing up for, though, just so you understand the costs that you can incur from using a credit card. In closing, let’s go over the key points you need to remember about APR, including what it is and how you can use it to decide between loans, mortgages, or credit cards. Some credit cards have a floating APR that fluctuate along with the prime rate. APR: Just the Basics APR, or annual percentage rate, works a little differently on loans than it does on credit cards. A loan APR tells you what percentage of your loan or mortgage you’ll be paying in interest and other fees each year. Because it incorporates costs beyond interest, APR is a more inclusive rate than interest rate. If there are no additional costs, then the loan APR will be the same as the annual interest rate. Since all lenders must calculate APR in the same way, APR helps consumers compare loan and mortgage offers on a standardized basis. In most cases, you’ll save money by getting the lowest APR you can. If you’re comparing credit card offers, remember that the â€Å"purchase APR† is likely the most relevant piece of data. Ideally, you won’t be paying any interest on your credit card. If you always pay off your monthly balances in full, then you can choose a credit card based on its rewards and points structure rather than on its various APRs. Whenever you’re taking out a loan or opening a card, make sure to read the ins and outs of any contract before you sign it. By looking at APR, you can gain a clear understanding of your long-term costs. What's Next? Which credit card is best for you? Check out our personal spending quiz to find the best credit card for your habits. Do you want to take a more proactive approach to managing your finances? Check out our 7-step guide for taking control of your personal finances. Are you starting to think about investing in the stock market? Check out our full guide to figure out what kind of investor you are and learn how to invest in the stock market.