International financial services Essay Example | Topics and Well Written Essays - 1250 words

Universal monetary administrations - Essay Example Intex is an outsider income projection method that can give precise information on existing insurance ventures and register income projection quicker and without any problem. This empowers the stock trade to get the data they need quicker and precisely for better dynamic. Second explanation is high recurrence exchanges in auxiliary market. This is a result of two reasons. As the exchange recurrence expands, the stock trade has less time and less assets committed to the essential markets. Besides, high recurrence exchanges produce higher salary to stock trades. In this manner, they will normally place assets in regions that give them more cash. Effect on the United Kingdom organizations The main effect on the UK organizations is decrease in their capital base. As the stock trade packs in the auxiliary market, the essential markets experience lack of talented faculty who instructs them on most ideal ways with respect to raising greatest capital for their organizations. Therefore, most organizations may decide on different wellsprings of capital since it is amazingly difficult to raise capital where there is no satisfactory assistance. Furthermore, most organizations set aside longer effort to raise their capital from essential markets. This is on the grounds that as the stock trade gets occupied with the optional markets, they will be long lines of organizations looking for help. Therefore, there will be delays in getting help. 2. An organization has the accompanying capital structure, and all protections gave have a similar ostensible cost of ?4.00. 400,000 5% Debenture Stock @ ?4.00 600,000 2? Inclination Stock @ ?4.00 1,000,000 Ordinary Shares @ ?4.00 (a) the estimation of the equipping proportion and the hugeness of this proportion to potential speculators Stock Quantity Price/unit in ? Sum capital in ? Debenture 400,000 4 1600000 Preference 600,000 4 2400000 Ordinary Shares 1,000,000 4 4000000 Total Fixed Capital 8000000 Gearing proportion shows the extent o f obligations used to fund resources in the organization. The higher the outfitting proportion, the more dangerous is the organization. This is on the grounds that a large portion of the cash utilized is acquired from different sources other than standard offers. (b) When Directors chose to disperse just 40% of the benefit (?800,000), the profit announced on customary offers is given underneath. =?320,000  The arrival on speculation  (c) a. The value/income proportion  (c) b. The idea of value/income proportion and the essentialness to future Price/acquiring proportion measure the estimation of the stock. This is on the grounds that it builds up the connection between the stock cost and the company’s profit. At the point when cost/procuring proportion is high in a given stock, the gauge gaining development is additionally high. It is an important proportion since financial specialists can use to look at estimations of supply of various organizations. Financial specialis ts ordinarily lean toward stocks with more significant expense/acquiring proportion since it shows more significant yields. 3. The idea of Right Issues just as focal points and detriments to the investors Rights issue alludes to an elective methods for raising capital whereby, an organization gives extra offers or stocks to previously existing investors with respect to their shareholding in return for money (Banerjee, 1990). For instance, an organization may offer rights issue based on one rights issue for each six held by the investors. An organization does this through prepared value offering or essential contribution advertise at a higher cost than expected or markdown. The strategy for rights issue is simple. When the issues

James Madison Essay Example | Topics and Well Written Essays - 1500 words

James Madison - Essay Example Madison solidly had confidence in the solid unification of the nation. Source The fourth President of United States, James Madison (sixteenth March, 1751-28th June, 1886) made a gigantic commitment towards building the establishment of the country. This incredible pioneer was conceived at Belle Grove Plantation arranged close to Port Conway, Virginia. His dad, James Madison Senior was the biggest landowner (with 5000 sections of land of land) and a main resident of the Orange Country. His mom, Nelly Conway Madison was the little girl of a conspicuous grower 2 and tobacco vendor. Along these lines, Madison was conceived in a significant prosperous family and as the most seasoned of 12 kids was given reasonable instruction at each progression of his life. The two his folks affected him and his vocation. James Madison went to Princeton College (recently named College of New Jersey) and graduated in 1771. On fifteenth September, 1794, James wedded a widow, Dolley Payne Todd (twentieth Ma y, 1768) and embraced her child, John Payne Todd. Dolley was the sister of Lucy Payne who wedded one of President Washington’s nephews, George Steptoe Washington. Dolley was removed from the Society of Friends for wedding a non-Quaker. Confirmation of Constitution Madison enormously contributed towards the approval of Constitution by composing a few Federal articles alongside John Jay and Alexander Hamilton. Madison had widely considered the antiquated and present day alliances and he comprehended that the republic would die in the event that it didn't have a solid focal government. He contributed twenty nine out of eighty five articles that were distributed in different papers. At 1787 Constitutional Convention, Madison’s draft of Virginia Plan and his progressive three-branch government framework turned into the reason for the American Constitution of Today. A while later when tended to as the â€Å"Father of the 3 Constitution†, Madison intentionally made lig ht of it by saying that the archive was not â€Å"the off-spring of a solitary brain†, however â€Å"the work of numerous heads and numerous hands.† Political Views James was a lot of a liberal strategically. He accepted that as the administrations were shaped after a proper political race and by well known selection of individuals, thus on the off chance that that legislature fizzled and got abusive, at that point individuals ought to have the full option to cause a revolt and topple that legislature. James regarded privatization as properties and strict freedoms. James Madison had assisted with composing the Federalists Papers. As indicated by him, the national government ought to be engaged to act straightforwardly on people while protecting the uprightness of the State Sovereignty. Subsequently, this likewise makes him Federalist in a political manner. James was a republic as well. His life was dedicated to the reason for self government. Abhorrence of Slavery Jame s Madison viewed servitude as a type of pitilessness where one individual was treated as a property of another individual and exchanged a similar path as human does. In a letter to Robert J. Evans, Madison composes, â€Å"[I]f subjugation, as a national malevolence, is to be annulled, and it be only that it be done at the national cost, the measure of the cost is definitely not a vital consideration.† 4 James Madison engaged general society to nullify bondage and to regard the slaves as people and not just as property. Supported Congress Over State Legislature James Madison supported the Congress over the

DSM-5 New DSM Edition Sparks Controversy in Some Areas

DSM-5 New DSM Edition Sparks Controversy in Some Areas Basics Print Diagnostic and Statistical Manual of Mental Disorders The latest edition of the DSM makes some controversial changes By Marcia Purse Marcia Purse is a mental health writer and bipolar disorder advocate who brings strong research skills and personal experiences to her writing. Learn about our editorial policy Marcia Purse Medically reviewed by Medically reviewed by Steven Gans, MD on August 05, 2016 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Medical Review Board Steven Gans, MD Updated on October 09, 2019 BraunS/Getty Images More in Psychology Basics Psychotherapy Student Resources History and Biographies Theories Phobias Emotions Sleep and Dreaming The long-awaited new edition of the Diagnostic and Statistical Manual of Mental Disordersâ€"DSM-5 for shortâ€"angered some mental health professionals and patient advocates, both for what it included and didnt include, when it was released by the American Psychiatric Association in May 2013. For years, the DSM has been known as the psychiatrists bible. It affects more than just the diagnosis of mental illnessâ€"its used in determining insurance benefits and disability, affects the availability of special education and social services, and is a staple in court proceedings. This latest edition, the fifth, had been several years in the makingâ€"years that saw extreme controversy about some of the proposed changes. Some members of the committees working on the new volume even resigned in protest of particular changes. DSM-5 as a Diagnostic Tool The DSM lists criteria for diagnosing such things as psychotic disorders (like schizophrenia), mood disorders (like bipolar), anxiety disorders, personality disorders (like antisocial personality disorder), trauma- and stressor-related disorders (such as PTSD), and many, many more. For each disorder, theres a list of specific symptoms and behaviors that must or must not be present in order for the illness to be diagnosed. Usually, a certain number of the listed items must be present, rather than all of them. For example, in bipolar disorder, in addition to the mood disturbance, three to four of these seven symptoms or behaviors have to be present in order to diagnose the condition: Inflated self-esteem or grandiosityDecreased need for sleepMore talkative than usual, or pressured speechEasily distractedIncrease in goal-directed activityExcessive involvement in risky activities DSM-5 Controversies: Autism, ODD, Bipolar There was a big public outcry when four separate autistic disorders that had been listed in the fourth edition of the DSM, including Aspergers Syndrome, were combined into a single illness, Autism Spectrum Disorder, for the DSM-5. Patients currently diagnosed with Aspergers and their parents feared losing social and educational services. However, its not clear if this has occurred since the change in the DSM was made. Others in the mental health community were bitterly opposed to including an illness that was in the previous version, Oppositional Defiant Disorder (ODD). The diagnosis involves children and teens who talk back to parents and teachers, who sometimes refuse to obey authority figures, and who lose their tempers easily, labels that child or teen mentally ill unnecessarily. What was not added was a diagnosis for pediatric bipolar disorder (also called child-onset bipolar disorder, or COBPD). Instead, a new diagnosis was created called Disruptive Mood Dysregulation Disorder (DMDD). This disorder focuses on frequent, severe temper outbursts and overall irritability or anger between them. Disruptive Mood Dysregulation Disorder can be diagnosed along with Major Depressive Disorder (MDD), but not with bipolar disorder. If you look at the symptoms of bipolar disorder in children, as combined by childhood bipolar experts Demitri Papolos, MD, and his wife Janice Papolos, you will see some similarities and some differences between these and those of a child diagnosed with both DMDD and MDD. National Institute of Mental Health (NIMH) Response National Institute of Mental Health Director Dr. Thomas Insel didnt appear to like the DSM-5s approach, at least initiallyâ€"he said as the DSM-5 was released in 2013 that going forward, NIMH will be re-orienting its research away from DSM categories, with the objective of developing a system that includes genetics, biomarkers, brain scans and other physical aspects of and testing for mental illnesses. Insel wrote, While DSM has been described as a Bible for the field, it is, at best, a dictionary, creating a set of labels and defining each. Criticizing the validity of the DSM, Insel appeared to some to be withdrawing all support for the DSM-5. However, just two weeks later a press release issued by NIHM and written jointly by Insel and Jeffrey A. Lieberman, M.D., President-elect, APA, clarified Insels earlier blog post. In particular, the press release says: Today, the American Psychiatric Associations (APA) Diagnostic and Statistical Manual of Mental Disorders (DSM), along with the International Classification of Diseases (ICD), represents the best information currently available for clinical diagnosis of mental disorders. Patients, families, and insurers can be confident that effective treatments are available and that the DSM is the key resource for delivering the best available care. The National Institute of Mental Health (NIMH) has not changed its position on DSM-5. However, NIMH still has plans to go forward with developing a more physically based diagnostic system, although the agency acknowledges that this is a long-term project. Future research in the field will need to be based on dimensions of observable behavior and neurobiological measures in order to qualify for NIMH grant funding.

How Jessica s Early Upbringing Impact Her Current Situation

605 Assignment 2: Quiz – Essay Question Two University of Southern California Francis Sizer Dr. Doni Whitsett November 13, 2014 Question 2: Jessica, a 24 year old, who grew up experiencing child sexual abuse now finds herself involved in an abusive relationship with her live-in boyfriend. She has been living with her current abusive situation for four years. She has tried to leave the situation before, but has returned to her boyfriend each time. She demonstrates a wide range of symptomology from hyper-vigilance to dissociation. She is at times tearful and agitated and at other times she is distant as if â€Å"in a dream.† A. How might Jessica’s early upbringing impact her current situation? Jessica’s early upbringing impacts†¦show more content†¦This style is also more likely to be the recipient of abuse. The fearful style also has an unlovable presentation of self and can show itself as either the perpetrator or recipient in partner violence. I believe that Jessica’s childhood directly impacted her inability to recognize her need to self-protect and understand that she does not â€Å"deserve† this type of behavior from her current boyfriend. She cannot recognize this because she feels she is undeserving, unlovable and â€Å"bad.† If Jessica had a secure attachment to her caregivers as a child, she would have the foundation for optimal mental health and resilience which is a protective factor against the development of trauma (Solomon Siegel, 2003). Using concepts of Fairbairn’s object relations theory, Jessica is attracted to the exciting object as indicated in the asynchronous materials on the virtual academic center. The ideal objects, Jessica’s parents, were supposed to nurture and care for her; they did not meet those needs. Jessica longs for acceptance and approval. In her internal world, Jessica experienced disappointments with her external objects. She created internal objects that compensated for the deficits of her parents. As a child, Jessica was in a state of helplessness and dependence to her parents (objects) and she needed to see them as good. As a result, in order to cope with the anxiety she feels, she split off the negative aspects and repressed them

Analysis Of Schleiermacher s On Religion - 1495 Words

Within the following essay we shall be considering the given extract from Schleiermacher s ‘On Religion; speeches to its cultured despisers’’, which comes from the fifth speech within the text. Schleiermacher’s fifth and final speech explores the range of religions presentations viewed across the world and how this impacts the idea of the plurality of God. not only this by in his conclusion Schleiermacher puts forward the idea that Christianity can be viewed as separate from all other religions as the most accurate form of religion. Within the given extract Schleiermacher’s account of Christianity is outlined as well as discussions on why exactly he believes it to be the most successful form of religion. While the following essay will†¦show more content†¦Meaning that religion is â€Å"feeling which gives reality to knowledge and substance to morals† (Schleiermacher, introduction), this is important because it shows that what Schleiermacher values in a religion is that it adequately acts as intuition towards the infinite. What is important is that Schleiermacher really doesn t consider religion in the traditional sense, he believes that God is the world itself, and so everything we are involved in and everything that is the world is religion. He goes as far as to say that a miracle is not a break in natural law, instead, it is just an event viewed from a religious standing, rather than a scientific one. Because Schleiermacher ultimately views that religion and science are both aiming at the same infinite, and to hold a scientific belief over a religious one is simply a difference in perspective. Now that we have seen what it is Schleiermacher sees religion is and why he values it as a whole, we can consider why he values Christianity specifically. Schleiermacher values Christianity as a form of religion because the heart of Christianity is transcendence, wanting us all to be individual from the world. â€Å"The original intuition of Christianity is more glorious, more sublime, more worthy of adult humanity, more deeply penetrating into the spirit of systematic religion, and extending farther over the whole universe†Show MoreRelatedAnalysis Of Schleiermacher s On Religion1499 Words   |  6 PagesSchleiermacher’s â€Å"On Religion; Speeches to its Cultured Despisers†. Schleiermacher’s fifth and final speech explores the range of religions presentations viewed across the world and how this impacts the idea of the plurality of God. Not only this but in his conclusion, Schleiermacher puts forward the idea that Christianity can be viewed as separate from all other religions as the most accurate form of religion, and his reasons for this will take up the majority of this essay s discussion. WhileRead MoreThe Relevance and Authority of Scripture Essay952 Words   |  4 Pageswas â€Å"the only infallible, authoritative Word of God† (qtd. in â€Å"Church History†) the evangelical movement joined people together out of other random religions and formed a cohesive bond between churches. Liberal Friedrich Schleiermacher believed that a person’s private revelations of God took precedence over their revelations from Scripture. Schleiermacher claimed the Bible was nothing more than a record of others’ religious experiences, as opposed to the inspired Word of God (Lane 238) He taught thatRead MoreEffects Of Excluding African Religions And Beliefs From Global Discourse Essay1749 Words   |  7 Pagesotential Effects of Excluding African Religions and Beliefs from Global Discourse In this paper, I will discuss the implications of excluding African traditions from the global religious dialogue. First I will give a brief overview on the deliberation. Then, I will attempt to present how this exclusion occurs or might occur, and lastly what its implications of are. To begin, my proposal to pursue this discourse stems from the class reading assignment related to â€Å"emerging† global consciousnessRead MorePotential Effects Of Excluding African Religions And Beliefs From Global Discourse Essay1781 Words   |  8 PagesPotential Effects of Excluding African Religions and Beliefs from Global Discourse In this paper, I will discuss the implications of excluding African traditions from the global religious dialogue. First, I will give a brief overview on the deliberation. Then, I will attempt to present how this exclusion occurs or might occur, while weaving the Yoruba religious art as an example of the piece of the religious dialogue that global discourse tends to reference in unique terms and lastly I will attemptRead MoreDr. Young s Thy Word Is Truth, We Travel1810 Words   |  8 Pagesfeel so bad in good environments that they prefer bad environments?† Young explains our sad state since man no longer is ready to listen to eternal God. This matches Young’s observation of critics that analyze the Bible as a common book. Worldly analysis does not heed Scripture where no prophecy is of any private interpretation, since Scripture must interpret Scripture. Our desperate need of light is shown by Young’s treatment of ANE pseudo-creation accounts, stating that the light is always presentRead MoreHow Does Black Administrators Affect Postsecondary Education For The Mid Level Administrator?7689 Words   |  31 Pagesliterature in Chapter II serves as the foundation of applicable research that guides my investigation. Chapter III outlines the research design. In this section, I address my research methodology, research participants, data collection, data analysis, the limitations of the study, and ethical considerations. The intention of this research is to contribute to the understanding of how Black administrators in postsecondary education experience microaggressions and the tools these administratorsRead MoreThe Best Theology Would Need No Advocates1963 Words   |  8 PagesBarth attended some of the most prestigious institutions such as Bern, Tubingen, Berlin and Marburg. It was at Berlin in which Barth studied liberal theologian Adolf con Harnack and also became heavily influenced by Wilhelm Hermann and Freidrich Schleiermacher in his time at Marburg as well. It was then that Barth became profoundly enticed in the nature of the scientific method. After carrying out time in Geneva, Barth soon was chosen to serve at a parish in Safenwil, Switzerland. Shortly after in 1913Read MoreQuestions On Academic Integrity Policy2400 Words   |  10 Pagesassessment in any other unit or to any other institution. I have read and understood Avondale s Academic Integrity Policy. ☠Agree Date: AVONDALE COLLEGE School of Ministry and Theology Assessment Evaluation Form Unit Total Percentage Student Outcomes Unsatisfactory Partially Satisfactory Satisfactory High Very High Comments 1 2 3 4 5 6 7 8 9 10 1. Sequenced, relevant content 2. Analysis , not merely description 3. Argument fully developed, cohesive and supported

Lowell Textile Mills and Mill Girls Free Essays

Lowell was among the largest city in America in mid-1800s. It was well known for its accomplishments most notably the establishment of power loom and the combination of the cotton cloth manufacture process in one single mill. Additionally, the technological innovation from Europe was first implemented in Lowell mills in America. We will write a custom essay sample on Lowell Textile Mills and Mill Girls or any similar topic only for you Order Now Other technological and infrastructure developments that contributed to Lowell city industrialization were Lowell canal, steam locomotive, Lowell and Boston railroad and waterpower. By 1828, Lowell was thriving as a hub of industrialization. At this time women were surged at Lowell mills seeking employment. Over eighty five percent of Lowell textile factory workforce was girls aged 15 to 25 years. These were the young, unmarried, and women who were considered to be superfluous in farm labour. Most of these girl were farm girls from the outskirts of Massachusetts, New Hampshire and Vermont. The mill girls signed a contract of one year which upon completion they were relieved to get married or join other working field such as teaching. As far as many girls were concerned, the working experience as mill girls, though tough, was a taste of self-reliance and freedom from home. Some of the girls often used part of their wages to pay for their brothers’ school fees and others could save a portion of their earning for their marriages and houses. It was really a big deal for young girls to work away from their homes and earn cash wages. Apart from wages, factory recruiters assured parents that their girls would enjoy other privileges such as education, access to libraries, food, accommodation at company owned boarding houses as well as they would enforce high morals uprightness to their daughters. This ensured that the policy of hiring young girls did not face opposition from the society that was conservative and perceived women as nothing more than domestic workers. The work in the mills was toilsome. The girls had to endure working in the power looms which were poorly aired, dusty, very hot and smoky for 70 hours a week. The working hours was between 5 am and 7 pm with meals break in between. Time between 7 pm and 10 pm was used for communal supper, writing, attending classes, shopping and washing. After 10 pm a curfew was imposed by house mothers. Mill girls also faced a challenge of living in an unsanitary congested boarding houses. This fuelled spread of hygiene and communicable diseases such as cholera, dysentery, tuberculosis which claimed lot of lives. Despite the harsh working condition and stringent rules in Lowell mills, the overall handling of girls in the factories was fair compared to other fields. The cash wages paid to the mill girls enabled them to showcase their social and economic independence. The wages offered by Lowell was the highest in America for women. This was contrary to the long hours of unpaid labour in rural areas which the girls were accustomed to. Lowell cotton goods label painted a well groomed young lady in her loom. This was first in American history for a woman to represent excellence and elegance of a product. Apart from wages, the mill girls also benefited from superior education and self-development. How to cite Lowell Textile Mills and Mill Girls, Papers

This Is Henry free essay sample

I recently, out of boredom and as a favor to a friend, attended a local show; completely unexpectedly, I was truly thrilled with every penny and second spent on the occasion. While most bands that preformed that night were the usual sloppily thrown together group people often see at theses events, one band stood out above all others with not only extraordinary musical talent but also a truly exciting performance. Born and raised in Georgia, This is Henry is one of the best bands the south has produced. Their music is the perfect blend of well written lyrics, catchy beats, and interesting composition. Their song type ranges from up beat songs like ‘Trust is My Game’ to acoustic pieces like ‘Winter Weekends.’ Their melodies are well composed and more than friendly to the ear and, with intro’s like the one found in ‘We are Forever’, their music is absolutely breathtaking. We will write a custom essay sample on This Is Henry or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page While their music alone is enough to bring me out to every show, their concert is an experience entirely of its own. They don’t simply make music, they perform it. Stage left, the energetic and adorable guitarist is impossible to ignore. He’s called Branden Hubler and is my personal favorite. His excitement is no less than palpable as he makes it impossible for the crowd to enjoy their music any less than he does performing it. Center stage is Brandon Barker, the striking lead vocalist. He is the perfect front man with an attitude and level of charm that allows him to interact with the crowd on a very personal level. If you pay any amount of attention, it is very unlikely that one might resist falling in love with either his looks, his voice, or some strange combination of both. Last, but most certainly not least, and a little to the back is Jacob Causey, the ambrosial drummer. He pulls the band together with his well played drumming and excellent back up vocals. It is truly unrealistic to claim that any member of This Is Henry is not blessed with both the unnecessary luxury of good looks and usually absent but thankfully present gift of true talent. The more thought I give the subject the more I realize that This Is Henry truly is an unobjectionable band. Their music is the soundtrack of every teen aged life and their performance is one to remember. Stick around for a while after the show and the chances that you will get to meet the members is great; more than that, the chances that you will be pleased with their personalities are even greater. This Is Henry is a full package band. They’re worth your money, they’re worth your time, and they’re one that I strongly suggest to any and everyone.