Speech outline on why you should start a savings account Essay

Speech outline on why you should start a savings account - Essay Example Statistics: statistics shows that people have concentrated in spending their finances than saving.76% of the population which indicates that they spend their money in meeting household requirements. The data from EBRI indicate that in 2013, the savings of 51 percent of workers aged 45-54 were less than $25000. Evidence: An individual will be relieved if they have funds under a savings plan which will meet the above contingencies. It is also significant that an efficient insurance cover is taken because it will assist in the management of the unexpected financial distress. Evidence: The second reason that compels for creation of a savings account is contributing towards retirement. This involves saving for the future and earning interest that will cater for forthcoming expenses.â€Å"Is it devastating to retire without an effective pension plan?† Evidence: They benefit also because they are entitled to affordable prices and interest rates. Education is enhanced through setting aside money that will be used for further studies. This is important in the attainment of master’s and doctorate degrees and for educating children (Gillen & Levinson 200). Creation of a savings account is also significant in the process of investment protection. This is because it protects the business’s asset portfolio since these accounts caters for unexpected expenses such as induced sale of property. This should encourage investors to avoid investing their money in speculative assets in the volatile market. Individuals with savings in financial institutions are advantaged since they have the potential to venture into vast business opportunities. This is beneficial, therefore, because amassing wealth is important in the attainment of financial objectives (Claxton 87). Restating preview of points: This is because several citizens are affected by the dynamic change in the level of the economy; emergencies and retirement. This is

Legal and Ethical Actions of NovaGold Resources Inc Term Paper

Legal and Ethical Actions of NovaGold Resources Inc - Term Paper Example Similar class action lawsuits were also filed in the Supreme Court of British Columbia and in the Ontario Superior Court of justice in Canada. The $28.0 million settlement was covered by insurance companies and the company did not have to payout from own resources under the terms and conditions. (Marketwire 2011) NovaGold commenced environmental studies in 1996, which consisted of Meteorology, wetlands delineation related to mineral resource estimates, aquatic studies in the main drainages, water quality studies, and some waste rock characterization. This was further expanded to terrestrial wildlife and avian surveys, detailed aquatic studies, ambient air monitoring and cultural site surveys. NovaGold is equipped fully to overcome any challenges, even though it may require more time and with the progress of work, it will start showing in the share price. NovaGold clearly understands its community responsibilities and following all environmental norms would work to get all necessary p ermits to make the project most successful and only one of its kind in the world. (Safehaven 2010) Stocks of NovaGold are traded on NASDAQ, AMEX, and New York Stock Exchange. Revenue and Income From the latest results available for the year ended Nov 30, 2010, of NovaGold Resources Inc., it is seen that revenue has fallen to C$0.6M. Surprisingly, cost of goods sold has not gone down proportionately and it has remained at C$46.3M. Losses have gone up to the tune of C$-203.5M. (NovaGold Financials 2010) Basic Financial Ratios & Industrial Comparison Return on Assets: Net Income/ Total Assets stands negative at -5.17%, on industrial comparison it stands as the 60-80th percentile. A. Return on Capital: Given as after-tax operating income by the book value of invested capital and that comes to -5.55%, on industrial comparison it stands as the 60-80th percentile. B. Return on Equity: Net Income/Shareholder's Equity stands at -34.48%, on industrial comparison it stands as the 40-60th perce ntile. Credit Ratios: A. Current Ratio: given by Current Assets/Current Liabilities stands at 5.3 times; on the industrial comparison, it stands as the 60-80th percentile. B. Quick Ratio: given as Current Assets-Inventory/Current Liabilities stands at 5.1 times; on the industrial comparison, it stands as the 60-80th percentile. Margin Ratios: A. Gross Margin: given as Revenue-Cost of goods sold/Revenue that stands at -7631.22%, on industrial comparison it stands as the 0-20th percentile. B. EBITDA Margin: -9295.16%, on industrial comparison it stands as the 0-20th percentile. Debt-Equity Ratio: Total Debt/ Total Equity stands at 20.5, on industrial comparison it stands as the 60-80th percentile. Total Liabilities/Total Assets: 23.8, on industrial comparison it stands as the 60-80th percentile. (NovaGold Resources) Sales Forecast: NovaGold is a company doing exploration activities in the field of precious metals and necessary development of mineral properties in Alaska, Canada, Briti sh Columbia and the United States. The Company spearheads its operations through wholly owned subsidiaries, partnerships, and joint ventures.

Essentials of Management Essay Example | Topics and Well Written Essays - 4250 words

Essentials of Management - Essay Example The primary problems with the delegation process are the loss of power, the chances of insubordination, loss of accountability and the chances the work may get delayed. These are the various problems of the delegation. Once the job has been delegated, the Manager may fear that the individual may not perform perfectly either due to the lack of resources, money or senses of responsibility. This may ultimately affect the KRA’s of the manager; the other issue may be the insecurity that is present among the managers. The individual who has been entrusted with the job may go on to outperform the Manager. Thereby, these are the problems faced in the delegation process. There are various steps that can be taken to overcome these problems. The main steps are the infusion of responsibility in the individuals to deliver the work on time, and not to have any amount of insubordination. This can be accomplished by the creation of a proper work culture wherein there is an intrinsic sense of responsibility among the individuals. Also, the individuals should be accountable to the work that is performed by them. Building trust in the virtual teams The process of building trust in virtual teams is a multifarious process with multiple layers involved. The steps that I would take to maintain trust are a lot of online meeting between the members so that they can come to know each other. This would mean that a lot of online transactions should be maintained in order to have the optimum level of trust to be maintained among these members. Another important aspect is the acceptance of the cultural differences between the members. Thee should be a lot telephone calls, online chats , video conferencing and common brain storming sessions over the internet. The other important factor is that the members have to complement each others abilities to build up the trust. Business Research Methods Research question- Should the performance bar of a company be constantly raised at the cost of rising levels of stress and attrition? Analysis-In order to survive the current market, the organization should always keep on evolving and changing that would basically mean that the structures are being organizes in such a manner that there is continuous growth in the organization. It should also ensure that the performance levels are always on the top. Given the current levels of the employee attrition and the stress levels, should such a strategy be actively followed within the company Methodology - Data sampling is of primary importance here, the main strategy that has to be adhered to is the population sampling strategy. The sampling frame has also to be fixed since we are dealing with extremely large sensitive amounts of data, the proper identification of each and every individual involved in the data set is extremely important. The type of sampling that has to be followed here is probability sampling. This is extremely important in the light of the data that is being inve stigated. The chances of the selection of each entity in the sample should be more than one. The subdivision of the sampling frame applies is the stratified sampling. The stratified sampling is used to divide the population into the necessary subsets for the analysis. The dependent variables are the frequency of the distribution randomness of the population set, the methodology segregation taken and the variability of the stratified data. The independent variables are the designation, the work level and responsibilities Understanding- The method of the data collection is

Different Types of Documents Produced in a Business Environment Essay Example for Free

Different Types of Documents Produced in a Business Environment Essay The different formats in which text may be presented are font typefaces, headings, font size, effects (bold, italics, underlined), colours and text boxes. We can format text in paragraphs, tables and columns. We can add bullet points, headers and footers. We can also add tables, graphs, diagrams and flowcharts as a clear way to represent data and processes. 1. 3 Explain the purpose and benefits of producing high quality and attractive documents The documents you produce for your organisation are an image of representation of your organisation. So it creates an impression on the reader about the standards of the organisation. A good quality document that looks good to the audience can gain more customers and increase the company’s reputation. The quality of your documents is a reflection on you. 2. 3 Describe different types of technology available for inputting, formatting, and editing text and their main features A keyboard and mouse would be the main technology to insert text into a computer. When using a keyboard you press the specific key for each character that needs inputting, and this is transferred on to the computer screen, in a word processing program. A mouse helps you navigate on the computer screen to select the programs to select the programs to open and view and type the text. Another form of inputting could be copying and pasting information from the internet or another document. You could even use a scanner to input text and transfer documents into the computer. Within the Microsoft Word package, you have the following tools to format the text to make it look high quality: -WordArt: this includes effects such as shadows, outlines, colours, gradients, and 3D effects that can be added to a word or phrase. WordArt can also bend, stretch, rotate, or modify the shape of the text. -Page layout: the arrangement of text, images and other objects on a page. -Columns: this is a vertical division of text on a page, usually found in the layout of booklets, newspapers, magazines and leaflets. -Paragraphs: usually a distinct, short section on a document/ piece of writing, usually with a single theme. -Headers and footers: A header or footer is text or graphics that is usually printed at the top or bottom of every page in a document. A header is printed in the top margin; a footer is printed in the bottom margin. The types of technology that are available to edit text are: -Spell check: a computer program that identifies possible misspellings in a block of text by comparing the text with a database of the correct spellings. -Grammar check: this is a tool on Microsoft programs that gives you helpful hints to improve your sentence structure. -Find and replace: this is a function that allows you to search for a particular word in a document and replace it if you need to rename more than one word. 3. Explain the benefits of agreeing the purpose, content, style and deadlines for producing documents. The audience of a document is the group of people for who it is written for. Therefore, documents should be designed to meet the needs of the expected audience. You need to know the purpose of the document so you know what and how to produce it, for example, if it is advertising for young people you would want it to be eye catching and in a style that will appeal to them. It is important to agree the content so you can obtain the information, plan and organise the layout. Deadlines are important so you can plan other work around it and complete the document on time. 3. 2 Outline different ways of organising content for documents. To organise the content you require for a document, you first need to find out how the document is to be presented and the information that is to be included. But ways you could organise content could be: -Bullet points -Alphabetical ordering -Chronological order -Headings -Text -Graphs -Text boxes You should then store all the information needed safely and with clear file names. 3. Outline ways of integrating and laying out text and non-text. Text and non text can be integrated easily with Microsoft Word or Publisher. There are many ways of laying out a document, using columns, graphics, and blocks of text, headings, background colours, images and white space and wrap text around; which helps you to work around with its different features to get a consistent format. Also there are other office applications that help with integrating and laying out text and non-text, for example, Excel and PowerPoint, help with integrating text and non-text in spread sheets and slides. Many organisations use a logo on all their printed materials and their documents often have a very specific style. This will be achieved by always using the same fonts, font sizes, text and page colours and page layout. 3. 4 Describe ways of checking finished documents for accuracy – including spelling, grammar and punctuation – and correctness, and the purpose of doing so. When you have finished creating a document, you should review and check it thoroughly before sending or printing the document. Word documents have a spell check function, however even using spell check might not be completely accurate, therefore using a grammar check on the document as well, will be more beneficial. After doing the spell and grammar checks, you could ask another colleague to proof read your work – having a proof reader can help highlight problems as they are a fresh set of eyes that have not read the document. Re-reading the documents several days after completing, may refresh your mind to notice any corrections and adjustments. It is beneficial to compare the final version with original notes and rough drafts. All of these checks are to ensure that your document that you want to make is fit for purpose and correct before showing to a senior member of staff or production of the document. 3. 5 Explain the purpose of storing documents safely and securely, and ways of doing so. Any document with any sensitive information should always be stored safely; electronically or physically. For example, -A filing cabinet which can be locked, as it may be required for future use/reference. Storing confidential documents electronically should always be stored with password protection, on a safe and secure operating system. -Locking your computer if you’re leaving your desk, even if it is for just a few minutes. -Being aware who is around you or your desk when dealing with documents with confidential information on. 3. 6 Explain the purpose of confidentiality and data protection when preparing documents. Any form of personal information held about a person within a company is protected under the Data Protection Act; this means all data should be kept confidential. This is significant to ensure nobody will be able to get the data and pass the information on. Confidentiality is very important when preparing documents, because Oxfordshire County Council is involved with a lot of personal data: †¢Full names †¢Contact details (addresses and phone numbers) †¢Records When preparing documents we need to be aware of what we are including in the document, for example if you are adding a photograph, do you have the right permission to use it? As a company, in order to protect the users and the owner, confidentiality must be observed. 3. Explain the purpose and benefits of meeting deadlines. If deadlines are valued and meeting those deadlines is enforced, expectations are consistent. It is important that you produce your work to the best possible standard in order to meet the requirements of the person setting the task. This will show you are responsible and trustworthy and you can be relied upon to get things completed. You may not know who else might be waiting for your work; it could have to be passed on to someone else. This may cause problems and delays in the workplace and could affect team relationships.

Free Hamlet Essays: Talk and Action in Hamlet :: GCSE Coursework Shakespeare Hamlet

Talk and Action in Hamlet The character of Hamlet is very prestigious, but he has many shortcomings. In many cases, he shows that he is all words and no action. He waits until the very last minute to take a course of action. Hamlet realizes this, and he wishes that he had the characteristics of Fortinbras, Laertes, and Horatio. During the course of the play, Hamlet just talks and talks about what he plans on doing, but when an opportunity arrises to make good on his word, he backs down. for instance, when he finds Claudius praying, he could have easily killed him and been done with it. but instead, he makes up an excuse for himself, saying that it is dishonorable to kill someone in the church. Even Laertes agreed with Claudius when he said in Act IV, Scene 7 that "no place indeed should murder sanctuarize." The only times that Hamlet takes action is when he has no choice. He takes action when he is sent to England. He only does anything, because if he doesn't, he will be killed. The other time that he uses action instead of words is, of course, at the end. but by that time, it is already too late. Laertes, on the other hand, was quite the opposite. He was all action and no talk. A very headstrong character, he was rash and let his emotions make his decisions for him. an example of this is when he finds out about his father's death, he immediately assumes it was Claudius and enters the castle by force, fully intending on killing him. This is what Hamlet needs to be like, but only in moderation. Sometimes, when the time calls for it, you must act on instinct, without having to think it through for a couple of days. Hamlet didn't want to be brash and end up getting killed like Laertes did, but then again, Laertes did avenge his father's death a lot faster than Hamlet did. And in spite of all the thinking and planning, Hamlet still ended up the same way that Laertes did. Fortinbras was a mix of the previous two. He carefully planned out his strategy, and then acted on it when they were finished. He showed that he was not too reckless by sending his captain ahead of him to announce that he was coming, so that the king might have repay him instead of fighting him and losing men.

Agape Love Essay -- essays research papers fc

What is love? I remember a time when â€Å"I love you† was the hardest phrase to say to the person you really had feelings for because you knew when you said those words it would change the course of your relationship forever. But what is the true meaning of love? â€Å"The dictionary defines love as a feeling of strong personal attach-ment induced by sympathetic understanding or by ties of kindred; ardent affection for one’s children; man’s adoration for God; strong liking; fondness; good will, al love of learning; love of country.† (Bell, pg. 10) According to Bell all of these definitions convey the outward appearance of love. He says that when looking at love that we need to take an inventory of our feeling to find out if we are truly displaying the type of love that God calls agape love. Bell says we need to ask ourselves the following questions: Do I return love? In any relationship love is a two way street. A marriage or relationship will not last v ery long if only one person is showing love and the other is not responding in kind. As a matter of fact, a spiritual relationship works in pretty much the same way. The bible says that God first loved us, but if we do not return that love to Him the relationship may diminish. As a Christian we must first love the unsaved person just enough to go to them and share the good news of the gospel. Then after that person has received the gospel of Jesus it is then up to them to accept it and return the love by giving their life to Christ. â€Å"Ministry is the first stage of this exchange of love.† (Bell, Pg 11) The second question is: Do I try to force love? Since the beginning of time God has always given man a choice or free will. We have a free will to love Him. A free will to obey Him. And a free choice to do His will. As a matter of fact God does not even force His love upon us. Anytime love has to be forced you may as well just call it rape. Even in personal relationships love cannot be forced. If love is forced, it usually results in the person rejecting the love altogether. Christian love does not demand love in return, but it does open the pathway to receive love if love wants to be given. The next question is one that is very personal to me because it is something that I have to work on improving and that is: Do I express love regularly? Sometimes it is easy to take the people you love for granted. We sometimes assu... ... of justice and kindness and devotion; pray and fast without fainting, and spend all of our time in some form of religious worship; if the things that we do were such to get us a name throughout the world, and make us famous to all future generations, it would all be in vain without sincere love to God in the heart. Furthermore, we understand that it is not the external work done, or the suffering endured, that is worth anything but yet it is the extent of love that is displayed that means something in the sight of God. BIBLIOGRAPHY Bell, Donald A. In Christian Love. Convention Press Nashville, Tennessee (1968). Edwards, Jonathan. Charity and Its Fruits: Christian love as manifested in the   Ã‚  Ã‚  Ã‚  Ã‚  heart and life. The Banner of Truth Trust London (1969). Evans, Anthony T. Returning to Your First Love: Putting God Back in First Place.   Ã‚  Ã‚  Ã‚  Ã‚  Moody Press Chicago, Illinois (1995). Lea, Thomas D. The New Testament: Its Background and Message. Broadman &   Ã‚  Ã‚  Ã‚  Ã‚  Holman (1996). Ellsworth, Roy Mail Call: Prisoners Need Love Too. The Ellsworth Letters Christian   Ã‚  Ã‚  Ã‚  Ã‚  Endeavors (2000).

Compare and Contrast “To Room Nineteen” and “Death by Landscape” Essay

In the short stories â€Å"To Room Nineteen† by Doris Lessing and â€Å"Death By Landscape† by Margaret Atwood, two women find themselves isolated from the world and the people around them. This paper will compare and contrast each story to show that although both female protagonists are isolated by their circumstances, their individual responses to their circumstances are very different. In â€Å"To Room Nineteen† Susan’s isolation is caused by a number of factors: society and the time she lives in, an unfaithful husband in a broken marriage, and her own inability to deal with her unhappy life. â€Å"†¦She knew he had been unfaithful because of his sullen air, and his glances at her, similar to hers at him: What is that I share with this person that shields all delight from me?† (p. 871) Susan feels trapped by her life and her family, and plagued by her husband’s infidelity and the knowledge that this social norm which she must learn to accept. In â€Å"Death by Landscape† Lois’ isolation is from the fact she is left with no family. Her sons have grown up and left home and she is a widow. This leaves her with no one to support or care for her. â€Å"While Rob was alive, while the boys were growing up, she could pretend she didn’t hear it, this empty space in sound. But now there is nothing much left to distract her.† (p. 35) Lois is tormented by her past rather than her present, the traumatic experience of a childhood friend disappearing has remained with her for a years. In both stories the protagonists share the conflict of the circumstances they live in -oppression from external power. For Lois, she is never able to quite move on from her friend’s disappearance. â€Å"She would never go up North, to Rob’s family cottage or to any place with wild lakes and wild trees and the calls of loons.† (p.35) One of the major factors of her conflict is the result of her childhood camp leader Cappie, trying to unfairly blame her for the death or disappearance of her friend Lucy: â€Å"Didn’t what? Says Cappie softly. Didn’t what, Lois? Lois does the worst thing she begins to cry. Cappie gives her a look like a pounce. She’s got what she wanted.† (p.34) Susan is isolated by her own unhappiness and growing mental instability. She struggles to maintain appearances and live up to societal expectations. â€Å"She said to Matthew in their bedroom: I think there must be something wrong with me.† (p.875) Her husband is no support to her and as he continues to carry on an affair, the distance between them increases, as well as her feelings of isolation. Susan hires a nanny to avoid the responsibilities of her family in order to try and escape them. She finds a room at an anonymous inn, which she uses as reprieve but this only amplifies her feelings of isolation and loneliness. The key difference between the two protagonists is that over time, Lois is able to come to terms with her conflict and learn to accept it. She realizes that her friend’s disappearance is not her fault; the camp leader simply needed someone to blame. For Cappie, the idea of having no explanation for Lucy’s disappearance is simply too much to comprehend. Though the experience still haunts her, Lois tries to move on with her life. Susan, however, falls victim to her conflict. She is unable to cope, when her husband confronts her asking if she is having an affair, she cannot face the prospect of coming to terms with the truth and reality of her life. Seeing no end to her struggles, Susan decides to commit suicide in room 19. Both women are isolated from the world and the people around them due in part to the circumstances of their lives. Although both sets of circumstances are very different, they are the root cause of the conflict of the worlds in which both women seek to remove themselves from. Each character takes a different path that leads ultimately to the difference between life and death.