Essay on Merrill Lynch Internship Experience - 1776 Words

This summer I was offered an internship for Merrill Lynch in my hometown of Towson, Maryland. For eight weeks, I worked five days a week for an average of thirty hours. There are numerous Merrill Lynch offices in the Baltimore and Washington D.C. area. Offices in Annapolis and Baltimore are greater in numbers and advisors. The Towson region only has about fifteen advisors and four client assistants. However, almost all of those advisors started their careers in Baltimore. The Towson office was for more established advisors who already have a distinguished client list. Because the office was much smaller, I was the only intern for the summer, which proved to have both its ups and downs. On one hand, being the only intern gave me†¦show more content†¦Each advisor gave me a positive rating on making the CRCs. However, there were a few instances where I did not correctly highlight the clients assets. For example, if a client had made a significant profit over the years , I was to create a CRC where the assets are numerical rather than in percentages, and vice versa if a client had lost money. Another task I performed was assisting two advisors on their new presentation to for perspective clients. I mostly worked on constructing a bullish support line for several of the clients. The bullish support line determines when there it is the right time to sell your stocks. It is very similar to work I had done in the past weeks with the point and figure analysis. To begin this work, I took a list of clients that had recently bought new shares of stock. Its true that the majority of the clients deal strictly with mutual funds or annuities, but there were numerous cases where clients decide to buy stocks. With the list of clients, I researched the stocks they had bought. Of course, there must be a buy signal, which the support line will indicate. 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A Short Note On Salt Water Garbage Islands - 891 Words

Brittany Welch Environmental Science Miss. Batty November 6, 2014 Salt Water Trash Islands An accruing problem has hit many locations around the salt water areas. Its floating trash it’s not only a problem for the oceans but deadly to many marine animals and other species. It has become a more accruing in the last couple years due to commercial fishing, fishermen, and illegal boats taking trash to other countries. Threating is when its harming or something feels in danger and that’s exactly what trash is doing to marine life. Marine life is an organism that lives in the ocean. For example coral, fish, dolphins, and seaweed that lives in the ocean or salt water. Salt water is a type of body water that is a big part of the ocean. Salt water is approximately thirty to eighty degrees Fahrenheit. It also is seventy-one percent of the earth’s surface. This includes Atlantic, Pacific, Arctic, Indian, Mediterranean, Caspian, Baltic, Adriatic Sea, Bering, Coral, E. China Sea, Hudson Bay, James Bay, Gulf of Mexico, Oman, Saint Lawrence, Great Barrier (Australia) and many more. The average depth of the ocean is about twelve thousand four hundred and thirty feet deep. Its max depth is about 6.787 miles deep. The total mass is about 0.023 of the earth’s total mass. The world s oceans are inhabited with over 14,000 species of saltwater fish. Some other sea animals that also live in the salt water are dolphins, turtles, sharks, and starfish. Several types of water plants that callShow MoreRelatedA Letter to His Parent by Jose Rizal4223 Words   |  17 Pages________________________ 9. Bake _________________________ 10. Awake ___________________________ Positive Comparative Superlative 1. Pretty ______________ ________________ 2. Attractive ______________ ________________ 3. Short ______________ ________________ 4. Noisy ______________ ________________ 5. Thin ______________ ________________ Match the synonyms. Write the letter on the blanks. 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Why Did a Campaign for Women’s Suffrage Develop After 1870 Free Essays

string(60) " of a Liberal meeting for shouting for women’s votes\." Women wanted to vote so that they could gain more respect from men, they desired the right to be able to make a difference to the way the country was run. Their views were that they lived in the country therefor they had the rights to vote for the laws they have to obey. Women wanted to have to opportunity to vote for MP’s that support equal rights, giving women a better life. We will write a custom essay sample on Why Did a Campaign for Women’s Suffrage Develop After 1870? or any similar topic only for you Order Now Women wanted to be able to change the divorce law as after marriage the man gained everything and the female was left with nothing. Women craved an education equal to men, so that they can undertake more responsible, independent well paid jobs, that they could not for fill without an education. There were many areas of inequality against women. The divorce law is a string example of this. The men even had legal rights to the children if they had any, even though the woman’s job was to look after the children, while the male was at work. So when the divorce takes place the Man still goes to work, and has to leave the children at home without a mother. Women strongly felt that equality was a basic and natural human right. During the 1800’s many more men had gained the vote, men with possible less resulting influence than some women had. Women weren’t just thinking of themselves, they felt that their education they could bring about better childcare and housing. This would benefit everyone. Their were many reasons why women campaigned for the vote, one of them being that women had to obey the laws as did the men but they had no say through political representatives on what they abided by. Women knew that as long as they had no vote, they had no respect, and as long as they had no respect, they were being paid less. The political inequalities greatly effected women’s social strength, and their economical situation. Women felt that politics had entered the home, though law, therefor women should enter politics. Women found it disgusting that they were being taxed without being represented. They had to pay for the government to go against what they women believe in. All top jobs are not available to females, as they are seen as inferior. This means that opportunities in public life are denied. Generally women have a closer relationship with the children than the males do, as they look after them while the men work. Therefore women know what is better for the children, and their point of view was not considered as they had know social status. The campaign for women’s suffrage started from 1870 onwards was because of a number of reasons. In 1853 Florence Nightingale bought nursing to the public eye as a respectable occupation that women could embark on without being criticised. Women showed much enthusiasm to improve and become more experienced in the profession of nursing and medicine. Florence showed initiative and responsibility that had not been shown in women before. This was an example of some progress that occurred in the 1800’s, but there were still many areas of inequality. In 1870 the married women’s property act was enforced, allowing women to keep i200 of their own earnings. This may not sound much but money was worth much more in these times. This was the start of many changes that age women a more equal role in society. In 1873 a law was imposed allowing women to see their children if they got divorced. This gave them closer relationships with their children, and they would have been looked after better as the men go out to work. In 1884 married women were no longer considered possession of their husbands, this meant more respect in society as they were seen as people rather than belongings. Women’s role gradually become more influential as new jobs became open to women such as; teaching, civil service work and secretarial work had just taken off due to the invention of the typewriter and telephone. I feel the first real rights given to women were that they were allowed to keep i200 of their own earning. This gave women inspiration, as they knew then, that they could use that money to possibly get an education or to start a business. This also let them know that they do have some rights and they are improving. I also believe that a key change in favour of women’s rights is â€Å"The Match Girls† strike. They demanded better pay and conditions, and the publicity forced the company to improve them. I feel that women decided to begin campaigning in 1900 was because of the changes that occurred, women were being given better opportunities so they felt that they had an opportunity to use this beginning to carry on the development to equal rights. Q2 Describe the Ways in Which the Methods of the Suffragists and the Suffragettes Were Different The Suffragettes and the Suffragists were two female dominated groups, who were very alike in principle but used very different methods of persuasion. The Suffragists (NUWSS) were a peaceful, law-abiding group. They did not demand the vote for all women but wanted to be on equal footing with men. The first women to join the NUWSS were well-educated, middle-class women, but in the 1890’s many factory girls wanted to gain the vote, raise their wages and their living and working conditions joined the movement. By 1900 the female cotton workers were the highest paid factory workers in Britain. The Suffragists used their resources and qualifications within the movement’s members to produce banners, postcards and posters. The Suffragettes (WSPU) used totally different forms of propaganda. The suffragettes had one aim; to gain political equality with men. The WSPU was formed on the 13th October 1905 when two women in Manchester were thrown out of a Liberal meeting for shouting for women’s votes. You read "Why Did a Campaign for Women’s Suffrage Develop After 1870?" in category "Papers" They were arrested outside the meeting for hitting and spitting at policemen. This was quite typical for the Suffragettes as they tried to get publicity though dangerous stunts. The plans of the Suffragettes were very different to those of the Suffragists, as they would get publicity at any cost. They deliberately got arrested for crimes such as arson, window smashing and bombing. When they were in jail for their crimes they often went on hunger strike so they had to be force-fed. The Suffragettes made it clear that they would not stop the havoc they were causing unless their demands were met. Types of leadership were key to the actions of the movements. Millicent Fawcett saw her role as a co-ordinator; she didn’t consider herself to be in charge but to give the effort of the other Suffragists some guidance. She made it clear that the Suffragists used non-violent methods of persuasion to gain the same voting rights as men. The Suffragettes were led in a very different manor, Emmeline Pankhurst and her daughters led the movement forcefully. They were said to have ruled like â€Å"dictators† not listening to others, and not thinking of the consequences of their actions, purely concentrating on their battle for suffrage. The Suffragettes were based in London where all the parliament buildings are based, therefore when they wanted to protest they could do so, and MPs would see and realise how serious they were. I feel that the Suffragists were a group for women who supported women’s rights to vote enough to want to make a difference and get involved but not enough to get arrested or even killed like some of the Suffragettes. The suffragettes were the most effective organisation and used their image to gain popularity and respects with men. They achieved this by calling off all their extreme petitions whilst the war was on. This gained them respect and also gave them a chance to prove themselves that they cared for the country. They proved they could do the same jobs, to the same standard if not better than the men could. An achievement by both organisations is that by 1900 over half the MP’s said they wanted women to have the vote. Though much hard campaigning women’s suffrage took many more years to achieve their original aims but they both did. Suffragists using a much more conventional form of propaganda such as posters etc, but they Suffragettes use much more extreme and extravagant forms. They not only showed that they wanted equal rights but they showed how much they wanted them. They went to many extremes just to gain what they very strongly believed in. Q3 Why Did Many People Oppose Giving Women the Right To Vote Many people opposed giving the women the right to vote because they feared what the women might do, if they had as much power as men did. Many people believed that if women had gained equal rights they would not stop and they would want to take complete control. Some contemporaries strongly believed that women would not vote responsibly but would be influenced by how someone looks rather than the serious political issues of the day. This relates to the lack of women’s education, many people believed that a woman’s place was at home. Most girls did not go to school, the only education women had was to set them up for marriage, to be able to run a household. Many people could not take women seriously because of this and women were looked upon as inferior to men. People also thought that women were too irrational and emotional to make sound judgements. Men and women were thought of to be very different. They should fulfil different roles in life. Men should live in the world of politics and work, and women in the world of the home. Women were the weaker sex, they could not be asked to fight for their country. Therefore, because they are not asked to risk losing their lives during the war, they were not citizens in the fullest sense. The campaign for women’s suffrage had been, hijacked by a small, articulate but unrepresentative minority of feminists. At bottom, most women did not really care whether they had the right to vote or not. Middle-class women would use political rights to develop their careers and neglect their domestic duties. Also, if the educated delayed having families or did not have them at all, a larger proportion of babies would be born to ‘socially undesirable’ elements. The nation would suffer. To give the vote to women would almost certainly lead to a certain extension for men and thus enfranchise unskilled, rootless and generally undesirable people. Basically women were inferior to men, but men feared that women would have their revenge if they gained enough power to do so, men feared for their futures. Women were inexperienced and if they had the right to vote, they would not use their ability correctly, as they cannot research anything into the subject because of their lack of education. However, men had more experience so they could make intelligent and rational decisions. The suffragettes did not made life easier for women. They just made women look crazy, stupid and incapable of making intelligent decisions. Queen Victoria did not think women should have had the right to vote. This was because she thought that there was no point in changing society, because she was happy with the way it was working, and she thought that men’s decisions were intelligent enough. Women had no key role in society, they were childlike, inferior and incapable of making decisions, which could change the future for the whole country, was it worth the risk? Women had no education to prove themselves, and those who did had very little. If women could not prove themselves to their country, how were they supposed to make an impact on society? It was very hard for women to change the way in which people were thinking, women had to look and act intelligent so that people could see that they were just as clever as men. The only reason women had such a bad reputation was because many women worked at home cleaning and looking after the family. This is still an important role, if women were given the same education as men, they would be just as intelligent, the just never had the same opportunities. I believe that the lack of women’s education was the most important factor of why many people did not want to let women have the right to vote. Women were set a bad status, and it would be hard to overcome this and try to act as if they were as intelligent as men were. It would be very hard for women to prove themselves. Question 4 I agree that women over 30 gained the vote in 1918 mainly because of women’s contribution to the war effort. Within the women’s suffrage movement response to the war varied enormously. Mrs Fawcett told members of the NUWSS, â€Å"Women your country needs you†. Many members became involved in war relief work. However not all members wanted to do war work. Some were pacifists who totally disagreed with fighting and war. Mrs Pankhurst, her daughter Christabel and members of the WSPU stopped campaigning and threw themselves into the war effort. Helping he government with recruiting and propaganda. Many middle-class and upper class women became nurses and worked directly with the army. Some of these women had the chance t work abroad; others worked in military hospitals in Britain. Some of these women found life hard, they were not used to working and the shifts night and day were long. VAD was the Voluntary Aid Detachment, these women worked unpaid until 1915. After this they received i20 a year, but had to pay for their uniforms. Some men opposed to women in men’s jobs. They were worried that women doing the same job for fewer wages meant that when the war was over women would be kept on. To avoid this trade, unions made agreements with the government and employers to protect men’s jobs and wages. Despite the hostility women entered all kinds of work, which before the war was thought to be unsuitable for women. Before the war the only jobs for women in transport were as cleaners, attendants and clerks. However, during the war they became bus and train conductors, railway ticket collectors, signal women and porters. 900,000 women were involved in making shells, guns and aircraft. This was dangerous work, using poisonous substances and explosives. At least 300 women died in the munitions factories from the explosions. This shows how devoted women were to their country. Munitions workers were one of the best-paid jobs during the war with wages up to i5 a week. Women were encouraged to help out on farms, to keep the country supplied with food. They worked 10-12 hours a day and did not earn as much as factory women. They could join one of three sections of the land army-agriculture, timber cutting and forage. Women in agriculture would tend sheep, pick potatoes, hoeing, ploughing, help with harvest work and work on the harvest gardens. Women on the land would live on the farm and usually had to pay for their food and lodging. They had to sign up for either 6 months or a year and were not allowed to leave without special permission. After the war the old voting system had to be changed to allow men returning from the war to be able to vote. The law said that all voters must have lived in the country for over 12 months before voting, so women argued that whilst making changes to allow the â€Å"returning heroes† to vote. It would be a good time to add women to the list of voters. The war had shaken the whole structure of society- the working classes lost some respect for the rich, many people had died or lost relatives, the whole of Europe was insecure. 1918 was therefore a time for change or starting afresh. I believe that the work, which women did during the war earned them a lot of respect and this definitely helped them win the right to vote. Women proved to society that they could be intelligent and reliable if the were given the chance. They proved that if they had more power they could help the country and they would make a big difference in the way in which the society was run. The women’s movements before the war helped to raise awareness of the situation of women, this helped their cause, also politicians realised that the violent campaigning would have been renewed if they did not recognise women’s rights. How to cite Why Did a Campaign for Women’s Suffrage Develop After 1870?, Papers

Fyodor Dostoevskys novel Crime and Punishment brings the reader a glimpse into the mind of a criminal Essay Example For Students

Fyodor Dostoevskys novel Crime and Punishment brings the reader a glimpse into the mind of a criminal Essay Fyodor Dostoevskys novel Crime and Punishment brings the reader a glimpse into the mind of a criminal, tormented by the guilt of murder. Dostoevskys focal point of the novel does not lie within the crime nor the punishment but everything in between. Dostoevsky also vividly depicts the life and conditions of poverty within the confines of St. Petersburg. Dostoevsky uses a unique and descriptive diction which takes the readers perspective and puts them in the mind of the murderer à ¢Ã¢â€š ¬Ã¢â‚¬Å" Raskolnikov. Raskolnikov à ¢Ã¢â€š ¬Ã‚ ¦pulled the axe quite out, swung it with both arms, scarcely conscious of himself, and almost without effort, almost mechanically, brought the blunt side down on her head. In this violent and graphic scene of murder, Raskolnikov commits murder upon Alyona Ivanova. The result from the blow of the axe was gruesomely detailed Dostoevsky described The blood gushed as from an overturned glass, the body fell back. 75 As these graphic violent scenes would contribute to the main theme of the story it also contributed to the theme of poverty. Raskolnikov is living in poverty and he sees murder as the only solution to his desperate situation. His second murder involved the pawnbrokers sister à ¢Ã¢â€š ¬Ã¢â‚¬Å" Lizaveta. Just as violent and gore-filled as his first murder, his second murder delivered death in a single blow; The axe fell with the sharp edge just on the skull and split at one blow all the top of the head. 77 These two gruesome murders will play to the main theme: the guilt of the crime. Raskolnikov also feels as if he is a superhuman or better than everyone else. His act of murder is due in part to his belief that he is above the law. However, when he discovers that he is not super human nor above the law, he is consumed by guilt and goes about his day haunted by the murders. And his guilt is such a great burden that he is finally relieved and filled joy when he finally admits to his crime and serves his time in prison. Another scene of violence involves love and one mans desperate chase after an engaged woman. Svidrigailov, whom has fallen for Dounia, the sister of Raskolnikov is a wealthy employer of Dounia. His obsession over Dounia is evident in his offer of money to Dounia and Raskolnikov. Svidrigailov also claims Dounias fiancÃÆ' ©e, Luzhin, as unworthy of Dounia and wishes Dounia to cancel the engagement with Luzhin. As Dounia and nearly every character in the novel is profoundly poor, rejecting such a tempting offer from Svidrigailov displays courage from Raskolnikov and Dounia. Poverty also allows Characters such as Dounia and Raskolnikov to commit self sacrifice to do what is moral and right. Dounia shows her hatred of Svidrigialov by threatening to shoot him with a revolver as she à ¢Ã¢â€š ¬Ã‚ ¦raised the revolver, and deadly pale, gazed at him, measuring the distance and awaiting the first movement on his part. 458 Dostoevsky perfectly describes Dounia to the readers as she is about to shoot Svidrigailov, when her à ¢Ã¢â€š ¬Ã‚ ¦lower lip was white and quivering and her big black eyes flashed like fire. 458 Dostoevsky also mentioned the feeling in Svidrigailovs mind when he saw the revolver pointed at him and he looked at Dounia and thought He had never seen her so handsome. The fire glowing in her eyes at the moment she raised the revolver seemed to kindle him and there was a pang of anguish in his heart. He took a step forward and a shot rang out. 458 When Dounia had shot him he did not panic nor was angered but he casually à ¢Ã¢â€š ¬Ã‚ ¦pulled out his handkerchief to wipe the blood, which flowed in a thin stream down his right temple. 458The bullet had just missed its target and had grazed his skin. Confident that Dounia will miss once more, His eyes flashed and he took two steps forward. .u192dcbda241dcf29073bb089e39b30c2 , .u192dcbda241dcf29073bb089e39b30c2 .postImageUrl , .u192dcbda241dcf29073bb089e39b30c2 .centered-text-area { min-height: 80px; position: relative; } .u192dcbda241dcf29073bb089e39b30c2 , .u192dcbda241dcf29073bb089e39b30c2:hover , .u192dcbda241dcf29073bb089e39b30c2:visited , .u192dcbda241dcf29073bb089e39b30c2:active { border:0!important; } .u192dcbda241dcf29073bb089e39b30c2 .clearfix:after { content: ""; display: table; clear: both; } .u192dcbda241dcf29073bb089e39b30c2 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u192dcbda241dcf29073bb089e39b30c2:active , .u192dcbda241dcf29073bb089e39b30c2:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u192dcbda241dcf29073bb089e39b30c2 .centered-text-area { width: 100%; position: relative ; } .u192dcbda241dcf29073bb089e39b30c2 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u192dcbda241dcf29073bb089e39b30c2 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u192dcbda241dcf29073bb089e39b30c2 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u192dcbda241dcf29073bb089e39b30c2:hover .ctaButton { background-color: #34495E!important; } .u192dcbda241dcf29073bb089e39b30c2 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u192dcbda241dcf29073bb089e39b30c2 .u192dcbda241dcf29073bb089e39b30c2-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u192dcbda241dcf29073bb089e39b30c2:after { content: ""; display: block; clear: both; } READ: Apollo: an Olympic God EssayDounia shot again: it missed fire. Soon after Dounia finally recognized Svidrigailovs determination and stubbornness as she saw that he would sooner die than let her go. 458 She realized this and Suddenly she flung away the revolver and Svidrigailov took it as a sign that she had given into him. Svidrigailov went to Dounia and gently put his arm round her waist. She did not resist, but, trembling like a leaf, looked at him with suppliant eyes. He tired to say something, but his lips moved without being able to utter a sound. 459 When Dounia confessed her disgust for Svidrigailov, he is crushed as there was à ¢Ã¢â€š ¬Ã‚ ¦a moment of terrible, d umb struggle in the heart of Svidrigailov. Dounia left Svidrigailov heartbroken and in despair. He took Dounias revolver which she had thrown on the floor and proceeded to walk about the streets of St. Petersburg aimlessly. Due to Dounias relentless resistance and courage to stand up to Svidrigailov, he commits suicide using her revolver. Dounias strength to put her happiness over her economic struggle demonstrates her values of self respect over materialism. Her strength was also demonstrated when her fiancÃÆ' ©e Luzhin insults her family and Dounia ends the engagement to him. Violence in Crime and Punishment is to promote the personalities of the characters and contribute to the main idea of the story: The courage to stand in the face of poverty and the guilt which follows a criminals misdeed. Crime and Punishment in a way reflects upon todays society in which the murderer is punished severely but courage above all else is admired. In todays poverty filled streets, crime is not uncommon and todays serial killers do not have the guilty plagued conscious that Raskolnikov had. Without such guild which makes us all human, one is to wonder whether we are losing our humanity. Dostoevskys Crime and Punishment has a profound effect on present and future generations as it stresses the importance of family and bonding. Raskolnikovs confession to his murderers is a self sacrifice, one which will save his soul and conscious. Dostoevsky, portraits Raskolnikovs punishment as a revival, where he is able to renew his life.

Selling Coffee on Sundays for Adam and Virginia - myassignmenthelp

Question: Discuss about theSelling Coffee on Sundays for Adam and Virginia. Answer: Introduction The given case deals with the business of a coffee shop named as Cartagena which has been opened by Adam and Virginia. The various financial details of the business are provided. In the wake of the same, one of the objectives is to compute the accounting profit and economic profit. Accounting profit refers to the profit which is computed by taking only the explicit costs i.e. the cash outflows which have actually been incurred as a result of the business activity. However, economic profit refers to the profit which takes into consideration not only the explicit costs but also the implicit costs particularly opportunity costs. Further, the above profits need to be determined before and after the penalty cut rates. The penalty rates refer to the higher than normal rates which need to be provided to employees which tend to work on public holidays and weekends. Additionally, sunk cost refers to the cost which has already been incurred and cannot be recovered irrespective of the decision made. Further, another useful concept is the price elasticity of demand which essentially captures the percentage change in quantity demanded when the percentage change is price is one. For elastic goods, the price elasticity is higher while for inelastic goods, the price elasticity is lower. Based on the above concepts, the given business has been analysed to highlight the underlying profit and underlying dynamics particularly related to product demand and average cost. The findings of this are presented as part of this report. Analytical Development The first objective is to compute the accounting and economic profit before and after the penalty rates are cut in accordance with the various costs that have been outlined in the given case. From Table 1 (Appendix 1), it is apparent that accounting profit for each Sunday before the penalty rates are cut amounts to $ 8,100. Further, Table 2 in Appendix 1 highlight that the economic profit before the penalty rate cut is lower at $ 5,800. This is because the opportunity cost associated with loss of salary by Adam and Virginia coupled with loss of rent from shop has also been taken into consideration. Further, in accordance with Table 3, it is apparent that the accounting profit remains the same even when the penalty rates are decreased as the increased savings in employee costs worth $ 1,000 is spent in the form of celebration, thus implying that the profit remains the same. Further, Table 4 highlights the economic profit after decrease of penalty rates and it has increased to $ 6,200 primarily due to lower opportunity cost associated with Adam and Virginia not working at another coffee shop on Sunday. The average cost can be computed by dividing the total expenses with regards to coffee by the number of cups of coffee produced each Sunday. Before, the penalty rates are cuts, the total expense on copy including machine rent, employee cost, other expenditure and cost of selling coffee, the total expense amounts to $ 3,900. Hence, the average cost of coffee comes out as $ 0.975[1]. However, when the penalty rates are cut, there is a decrease in the employee cost by $1,000 and hence the total coffee expense would be reduced to $ 2,900. It is noteworthy that the amount spent on celebration to the tune of $ 1,000 would not be considered as a coffee related expense. Thus, the average cost of coffee comes out as $ 0.725[2] The sunk cost relates to their own salary which they made by working on Sundays. Before the penalty rates are cut, the sunk cost attributed to each of the two partners would be $ 400[3] each assuming 10 hour work shifts. However, after the penalty rates are cut, the sunk cost for each of the partners i.e. Adam and Virginia would get reduced to $ 200[4] each. Based on the information provided in the case, it is known that if the price is increased from the current price of $ 3, the quantity demanded for coffee from that particular case would become zero. As a result, the price elasticity of demand would be (- ) infinity as the sales are extremely sensitive to price. If a particular shop intends to sell it at a price more than $ 3, no customer would buy the same. Clearly, there is no incentive to lower the price and hence the demand elasticity for coffee is (-) infinity indicating. Adam and Virginia are not irrational since if they increase the coffee production, then owing to the increased supply and constant demand there would be a decrease in the market price which would lead to lower prices being charged by the coffee shop. This would not be in the best interest of the business. Conclusion Based on the above discussion, it may be fair to conclude that since the total cost remain the same before and after the cut in penalty rates, hence accounting profit does not alter but the economic profit increases after the penalty rate cut. Further, the business incurs less average cost after the decrease in penalty cost which leads to higher margins. Besides, the demand for coffee in the context of the Cartagena caf is highly elastic which is reflected from the very high magnitude of price elasticity i.e. infinity. Also, it is noteworthy that the decision taken by Adam and Virginia to limit the supply to 4000 cups a day is a rational one as with the increase of supply and lack of commensurate increase of demand to absorb this extra supply, there would be lowering of coffee prices which would not be positive for the coffee business. Also, the difference between the economic and accounting profit has been clearly inferred considering the importance of implied cost (such as opportun ity cost) for the former which ensures that former would never exceed the latter.

Shurooq Shares and Bonds

Introduction Shurooq is a development agency firm based in Shirjah, in the United Arab Emirates. The company is officially known as The Sharjah Investment and Development Authority. The company was established in 2009 with the special mandate of evaluating and following up on infrastructure projects that are related to tourism.Advertising We will write a custom essay sample on Shurooq Shares and Bonds specifically for you for only $16.05 $11/page Learn More The development agency focuses on providing all possible facilities as well as incentives with the aim of attracting more investors to Shirjah. Shurooq is listed on the local Dubai Financial market where its shares and bonds are traded to the public. This paper analyses possible share problems that were faced by the firm in the past, while ascertaining the causes and remedy that was employed to address the situation. The paper also offers recommendations on the challenge. Losses in Shurooq Shares and Bonds Global financial crisis Shurooq was formed in 2009, a time when the global financial crisis was at its peak. Although the crisis’ origin was in the United States of America, the repercussions were far reaching with countries and firms placed in as far as the Middle East being affected. The global demand for oil, which is the Middle East’s economic mainstay, dropped sharply as the price per barrel rose. This consequently meant that the UAE as a whole lacked substantial funds to inject into its overall economy and firms, such as Shurooq, in order to spur growth and development. Other individual investors and firms, both local and international, also lacked the interest to invest their additional funds through share acquisition. Shurooq suffered immensely given that the firm had only been established and was keen to attract interested investors by floating its shares and bonds. Shurooq devalued its share prices by almost half the original price that the company had quoted in a bid to influence demand for its shares and bonds. This, however, did not achieve the intended target for the firm as the demand for the company’s shares remained poor. As Shurooq struggled with poor share performance, it equally did not achieve some of its intended objectives in its first year of operation. Profit margins were unattractive throughout the year as the company slashed its budget in a bid to contend with the poor economic situation. The small profit margins kept willing investors at bay as they questioned the company’s ability to withstand hard economic times and pay them higher returns for their investments.Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More Manual system of operation Shurooq’s establishment saw the company rely on a less computerized system of operation, with most of its functions being carried out manually during the first month s of its operation. Shurooq opted for a gradual implementation of a computerized system for its operations as it focused on stability since business establishment is often an expensive venture during the formation period. This decision, however, negatively influenced the share and bond prices of the firm. Operations were generally slow and error-prone, particularly where financial operations were involved. This slow performance eroded investor confidence amongst the few willing investors at the time. In particular, investors were forced to avail themselves physically at Shurooq’s offices in order to make enquiries and do trade with the firm. For investors residing in far-flung areas, the idea demoralized them as they could not find any convenience in the manner in which the company operated. With time, Shurooq established a computerized system that would purposely serve investors through an eTrade mechanism. The aftermath of the development consequently saw an increase, albei t relatively slow, of investor interest and confidence. Investors could comfortably make their enquiries, as well as do trade with the company from the comfort and convenience of their offices or other geographically disbursed locations due to the new developments. Poor communication Shurooq suffered from consequences of poor communication, particularly within its employees, during its initial phase of existence after establishment. Lack of market experience and general operations compounded the development agency’s troubles as there was poor coordination among workers. Interested investors were particularly shunned off by the lack of knowledge that was evident among the workers. People making enquiries about the company via phone or physically were dissatisfied with the responses they got. The workers who had been stationed at the customer care desk appeared to lack basic information concerning their own company. This prompted a significant number of interested and willing i nvestors to hold on their investment decisions as they sought to give the firm more time as they observed its performance. Thus, apart from the external market conditions that slowed down Shurooq’s initial overall market performance, part of the challenges were internal. Poor communication failed to appeal to the potential and willing investors who would have eventually boosted the market demand for its shares.Advertising We will write a custom essay sample on Shurooq Shares and Bonds specifically for you for only $16.05 $11/page Learn More Market competition The United Arab Emirates has generally embarked on an ambitious program that seeks to spur development and growth of infrastructure in the entire country. This program has seen many development agencies and firms established in the country over the recent years. Some of these agencies have been in business for a relatively longer period of company compared to Shurooq. This position proved to be challenging to Shurooq’s ability to attract investors in comparison to the other established companies. The companies used their years of experience in service to properly manage their assets during the global financial crisis’ peak duration. Although the companies also experienced a slump in profitability, they managed to maintain an attractive profit margin compared to how Shurooq had faired on. This, in turn, saw quite a significant number of investors at the time opting to acquire shares of the rival firms other than committing their funds to Shurooq. Investors still acquired more of the rivals’ shares compared to those of Shurooq, despite the fact that Shurooq priced its shares and bonds at low rates compared to its market rivals. Company’s Efforts to Establish Cause of Poor Performance Survey Shurooq sought to establish the reasons that prompted poor performance for its shares and bonds at the Dubai Financial Market. A corporate survey was carri ed out by the firm to understand the market situation and conditions. Shurooq enlisted the services of a third party financial company to undertake the survey on its part. The survey was done in the Dubai Financial Market, where experts from the third party financial company held discussions with the bourse’s management and technical teams. It was from the survey that Shurooq discovered how intensive the global financial crisis had contributed towards poor performance. Apart from Shurooq, many other firms listed in the stock market had experienced tough times because of the diminishing share demand. Investors had opted to remain cautious in their actions as the business situation appeared to be uncertain. The stock market had itself recorded low business performance throughout 2009 as the global financial crisis grew to its worst position. Internal company research Shurooq also conducted an internal research that mainly targeted its employees and the few shareholders it had m anaged to acquire since listing on the Dubai Financial Market. The research amongst employees sought to establish their opinion on some of the reasons they thought Shurooq’s performance was affected at the time. The research involved paper work, where respondents answered both structured and unstructured questions concerning Shurooq’s poor performance in the stock exchange market. To promote participation, the company did not require workers to indicate their names on the questionnaires.Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More The research carried out on employees noted how their own lack of information played a critical role in dissuading potential investors. The workers admitted that they were in many occasions unable to satisfactorily handle concerns raised by the market concerning investing in the firm. The poor communication structure in the firm only worsened the situation as the employees stationed at the company’s customer care department lacked immediate materials and professionals to rely on for assistance and support. On the part of the shareholders, Shurooq chose to have direct discussions with a few selected individuals to try and establish their opinion and perspectives in as far as Shurooq’s performance was involved. The face-to-face discussions involved financial experts drawn from both the firm, and mainly targeted investors who have been in involved in the share market business for a long time. The few investors were optimistic that Shurooq would eventually improve despite the turbulent times, but they generally pressured the management to speed up critical reforms. They overly noted that the manual system of operation was in bad taste for the firm and there was need for a computerized system to be installed immediately. Remedy Measures Employee retraining Shurooq immediately embarked on a program that targeted to retrain employees in a bid to equip them with significant knowledge on investment and financial matters. Though the workers hired by the firm had attained the necessary educational qualifications, there was need for them to undertake refresher courses that were customized to understand clearly the contemporary market requirements and situation. The refresher courses also aimed at improving the overall efficiency in the operations of the firm. It targeted countering the laxity that had been noted in communication among the staff and communication with the public. Shurooq undertook the refresher courses in stages, with the customer care based staff enjoying the first priority over the other staff members. Computerize operations Shurooq speedily adopted a fully computerized operation system to replace the manual system that was in place before. All the departments were fitted with internet to allow efficient communication within the firm. This move eliminated the slow processing that was being witnessed earlier on and had also been cited as part of the reason that dissuaded investors away from the firm. The company targeted e-trading by speedily computerizing all its operations to address the aspect of convenience that had been raised as a concern for poor performance. Solutions Employee retraining has played a critical role in enhancing overall service delivery at the firm. The earlier concern that prompted its inception, lack of proper knowledge on the part of the employees, was effectively addressed. Potential and interested investors who visited the firm’s premises in order to make enquiries about its operation and position were able to be answered satisfactorily. The retraining merged the workers’ ideas with the contemporary business situation and position of the firm. Thus, as keen investors sought to determine important financial issues about the firm, the workers were able to handle them professionally by providing satisfactory answers in a clear and precise manner. Retraining also improved the internal operations of the firm. Workers understood clearly how to relate with each other and how to undertake their duties and responsibilities more effectively. External stakeholders were able to notice the changes as service delivery improved significantly. The workers strove to ensure they achieved their objectives in order to influence the overall performance of their firm. The speed at which operations were being carried out improved quite substantially after the entire company was fully computerized. Workers could access all the necessary information within seconds, much to the sa tisfaction of the stakeholders by only clicking buttons. The operation costs of the company went down tremendously as Sharooq retrenched part of its huge clerical staff with computers. Expenditure in the form of salaries reduced by a huge margin as the company’s profit margin improved tremendously. Keen interested investors regained confidence and gradually began to acquire Sharooq’s shares and bonds as they had anticipated better returns since the financial state of the company started improving. Recommendations Sharooq’s management should critically consider the external business environment and remain keen on monitoring any slight changes as this may water down all the benefits so far registered by the firm. The best and safest way that Sharooq’s management can cushion its operations against adverse external environment is by investing in multiple business portfolios. The reason why the company faced an uphill task in 1999 during its inaugural phase is the fact that the global financial crisis mainly affected infrastructure building. Thus, even credit firms feared financing infrastructural projects as the returns appeared oblique, at least in the short run. However, the agency would have had a reliable source that would have perfectly cushioned its main business focus had Sharooq had other interests in separate sectors of the economy, such as transport. Most of Sharooq’s established market competitors appeared stable even in the face of the biting global financial crisis because of divesting in various economic sectors. The company’s management must be highly effective if the company has to continue positively on its recovery path. A highly efficient management will understand almost immediately when changes occur in the internal and external business environment. This will prompt them to make appropriate decisions that will be of significant effect to the company. Conclusion Shurooq is an infrastructure development agency based in Shirjah in the UAE. The company faced a huge crisis in 2009, which was also its year of establishment, when it failed to attract investors to boost its capital base. With infrastructure development being a capital-intensive venture, Shurooq’s management worked very fast to ensure the firm was listed at the Dubai Financial Market. The global financial crisis at the time informed many investors’ decision of not acquiring the firm’s shares at time. A company survey sanctioned by Shurooq’s management established that apart from the financial crisis, the firm faced internal challenges as its workface was not better placed to handle financial matters. Its manual system at the time also slowed the accuracy of performance and dissuaded many investors from the firm. However, the firm computerized its operations and retrained its workforce in a move that won investor confidence and has been critical in improving its performance in the stock market. This essay on Shurooq Shares and Bonds was written and submitted by user Nancy Buckley to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

A Freelance Writers Basic Guide to SEO

A Freelance Writers Basic Guide to SEO A Freelance Writers Basic Guide to SEO A Freelance Writers Basic Guide to SEO By Colin Hands up all those freelance writers who, when scanning the job boards recently, have seen writing gigs looking for copywriters with SEO experience? (should be everyone). Keep your hands up if you don’t understand what SEO is, or if you do, were confused the first time you saw it used? (should still be everyone). And now keep your hands up all those freelancers who have since realised how easy it is to make money writing SEO articles, or who would like to know what it’s all about? (Everyone should still have their hands up). Yes it’s true, SEO seems like one of those fancy modern phrases, that only applies to tech-minded people, but the reality is very different. SEO has been around for a while; it’s only since the Google revolution has it been defined as an entity. Get your head around SEO, and it can be the source of many lucrative writing jobs. This article will give you the low down on SEO, what it is, and how you can earn from it. What is SEO? SEO is an acronym for Search Engine Optimisation. It is the term to describe the methodology used to boost a website’s rating when it is searched for on an Internet search engine, and the resulting page rank it receives in relation to other related websites. This is achieved through the use of web content and articles enriched with keywords, and meta tags in the structure of the webpage. Why is it Relevant? SEO is relevant in the world of e-commerce and online business, and for those involved in the creation of web sites and web content. Because most Internet users don’t browse past the first page of search results they are offered, the higher a website can rank for a given keyword or phrase, the better its chances are of bringing in new customers. Research has shown most users only ever click on the top 5 to 10 results. Yahoo, MSN, and in particular Google, account for over 70% of all search engine traffic on the Internet, so for an online business this avenue of attracting customers is highly valued. What is a Page Rank? Page rank is a way of determining a websites importance dependent on its desirability and exposure. The term was derived by Google, who developed an algorithm to calculate rankings. When this algorithm is executed, it determines the number of links pointing to a website, the amount of relevant content it contains, and then assigns it a number between 1 and 10; 1 being the lowest level of rank, 10 being the highest. The higher a page rank, the better chance a website has of appearing at the top of an Internet search result page. What is a Keyword? A keyword is a word or phrase an Internet user will enter into a search engine when trying to locate something, i.e., a product or information. For example, a website selling herbal tea will list keywords such as, â€Å"herbal,† â€Å"tea,† and â€Å"tea bags,† etc. What is Keyword Density? Keyword density is the numerical factor derived from dividing the number of words on the page of a website, by the number of keywords that are used within it. The more keywords used throughout a web page (and ultimately the entire site), the better the website will rank for that keyword or phrase. Websites that have too high a density tend be considered as spam by search engines, and may be excluded. Cant Website Owners Pay For A Higher Ranking? It’s not possible to purchase search list rankings, because they are free and calculated through algorithms. Instead, a website must earn its rating over time, and through the use of Internet links and keyword relevance. It is possible to pay for promotion based on specific keywords or phrases, however these are separate to the free results offered when running a standard search, and usually appear as sponsored adverts. What Has All This To Do With Freelance Writing? For freelance writers, this means the appearance of more and more writing gigs looking for writers who are able to write dedicated SEO-rich web copy, related articles, and blogs. All these methods are aimed at attracting hits and links to a website, thus boosting its rankings, and pushing it up the search ladder. There are two main methods you might be hired to do this. The first is through the writing of web content for the target site. The aim of this is to attract interested users directly into a website via a landing page. For example, a user will search for the term â€Å"herbal tea,† and find their way onto a website that sells it. They will then be able to read all about it and order their favourite brand before they leave. The second method is through the writing of articles and blogs that are external to the website, but show up in search engine results and guide users towards the main website at the centre of the business. So for example, somebody might search for â€Å"Lemon tea† and discover an article written by a freelance writer on the physical benefits herbal tea promotes. The article will contain a by-line or other links throughout it, that direct the reader to the main website so they can purchase lemon tea. Where there are websites looking for business there will always be a need for writers. Fresh and attractive articles that are written using SEO techniques, and are enriched using keywords in a subtle and sensitive approach, are becoming more in demand. Master SEO writing, and you will never be short of work. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Freelance Writing category, check our popular posts, or choose a related post below:50 Rhetorical Devices for Rational WritingDeck the HallsThrew and Through