Research Paper Topics - How To Boost Your GPAs Using Popular Research Papers

Research Paper Topics - How To Boost Your GPA's Using Popular Research PapersIn this cutting edge world, everybody is searching for approaches to help their evaluations and the most effortless approach to do this is to inquire about paper subjects simple. It is nothing unexpected that most understudies are searching for approaches to make their school years progressively charming and gainful. They additionally need to exceed expectations scholastically, so it is just common that they need to exceed expectations on paper.In this cutting edge world, individuals have gotten very keen on explore papers, which is something worth being thankful for. A great many people would prefer to gain proficiency with the most recent news and sentiments than take up an exhausting theme. Some will likewise utilize the points they concentrate as a chance to extend their insight. Generally, all things considered, understudies who concentrate a great deal frequently search out the subjects that they think will be most straightforward to learn.In the past, understudies made some troublesome memories getting ready for the school selection test since they didn't have the foggiest idea what the inquiries were. Today, understudies find out about subjects than at any other time. It is genuinely simple to locate a decent manual to assist them with getting familiar with the subject. The beneficial thing about the aides is that they are intended to be handily processed by the understudy and they contain clear bit by bit directions that will get the understudy through the learning procedure easily.One of the best research papers, which most understudies want to peruse, is one that discloses to them how to rank films arranged by how often they are in the main ten. This subject is one that is somewhat simple to contemplate in light of the fact that it must be concentrated through as it was done in the good 'ol days, which means stepping through the examination. The test will even now take over an hour to finish, however the remainder of the exploration paper should be possible in an a lot shorter measure of time. When composing your own exploration paper, you need to choose what sort of data you have to introduce. Different variables that are thought about are the writer, the theme, and the reader.With the developing prominence of online materials, numerous understudies utilize these materials to concentrate all the more viably. These materials are not hard to peruse and they are anything but difficult to utilize. These materials for the most part contain clear, basic directions that are anything but difficult to follow. When you have aced the material in the guide, it is simply a question of doing some basic research, such as downloading a word reference and composing in the words you need.The best research paper subjects, which most understudies would prefer to peruse, incorporate ones about tune verses, mind force, or travel tips. The main issue with these subjects is that they are hard to consider and expound on. Understudies who pick this sort of themes frequently think that its hard to detail an intriguing contention. There are likewise numerous different issues with the themes, for example, such a large number of unimportant realities to help the point, or the topic not being clear.Instead of concentrating to expand your GPA, it is a superior plan to utilize this data to support your transient objectives. You probably won't need to concentrate on a careful theme, however utilizing your enthusiasm to disclose the data to others will assist you with making a helpful data that can be utilized in different spots and circumstances.

Course Works on Terrorism and International Crime

The increased rate of terrorism in the world in the 21st century has not only threatened the world but shaken it. The terrorist attacks have continued to cause untold suffering to innocent people besides destabilizing legitimately elected governments. Economic growth and development in a country thrives, and blossoms in a very peaceful environment. The United States of America has had the worst experience involving the terrorist attacks. The U.S Marine Corps were bombed in 1983 by a suicide bomber who rammed an explosive laded truck in the barracks. The prominent organizations in the world that runs the terrorism activities include Al-Qaida, Al-jihad, Al-umma and Harrakat. The most notable is the al-Qaida movement. These organizations need financial resources to execute criminal activities. They work with informal value transfer system (IVTS). This network runs alternative banking services outside the banking environment. The Al-Qaida has been using IVTS to run terrorism in countries like India, Kenya, Tanzania, and United States of America. In most cases, money launders have been pursued and impounded by powerful security units like Department of Homeland Security. During the early stages of their arrest, the culprits usually express the desire to cooperate with the United States of America but some law enforcement officers in the countries where these (IVTS) operates are corrupt and, therefore, they may not assist, (Madinger 2006:23-25). The unreliability of local law enforcement officers, and continued threats of terrorist attacks prompted the U.S government to work with ,the international community to curb criminal usage of Informal Value transfer service by putting in place necessary measures to fight money laundering internationally. There are three crucial statutes in the United States that are used to fight money laundering namely: The Bank Secrecy Act of 1970, the Money Laundering Control Act of 1986, and the   USA Patriotic Act of 2001. The Bank Secrecy Act of 1970 requires that all banks help the U.S. government agencies to unravel and stop illegal money transfer. The act further demands all the institutions that deal with banking services, to have updated financial records involving purchases of negotiable tools and reports of negotiable tools transaction amounting to $10,000 0r more. Besides they should report any suspicious action that may amount to money laundering, tax evasion or any other criminal activity. The Suspicious Act Report should be filled in cases involving cash transactions where the customer tries to avoid Banking Secrecy Act guidelines. The customer should not be informed that the SAR is being filled. The financial institutions that contravene the provision of this statute risk facing severe penalties including extremely high fines alongside long life imprisonment if found guilty. (Stephen L, 2003:75-80) The 1986 Money Laundering Control Act (MLCA) criminalizes money laundering emanating from specified illegal activity. The basic intention of the congress was to criminalize the intent to hide the existence of money laundering and use of income illegally by portraying that income to appear as though legally acceptable. The MLCA further aimed at stopping the flow of illegal profits back to the criminal gangs, where they are in need of financial resources, to expand their criminal activities. The USA Patriot Act was passed in 2001. It is an off shoot of September 11 terrorist attacks. It is intended to oversee stop, detect and prosecute international money launders financial aiders to terrorism. The provisions of chapter basically deal with strengthening banking rules against illicit money transportation. The statute further expands communication between the law enforcement agents and the banks. The final clause outlines severe penalty on anybody found guilty of involving in currency smuggling and counterfeiting of foreign currency. Asset forfeiture is possibly the most effective way to fight money laundering and terrorist financing. The main objective is the government to snatch assets from money launderers and other criminals. All the nations that take part in this process with the U.S they share the proceeds from this enterprise. So far $228 has been shared to thirty five countries that assisted the U.S in asset forfeiture. Through asset sharing international forfeiture cooperation has been enhanced in disregard of the country enforcing the policy. The war against terrorism and money laundering cannot be fought by the U.S government. It’s, therefore, important to have international cooperation against the pandemic. Although, there are disparities in legal and financial systems around the world it should not be a limitation. The international cooperation has so far succeeded in preventing some criminal offences for example combating drug trafficking. The terrorist movements have their networks all over the world. They form organizations under different names depending on where they are found. The most known is the Al-Qaida movement of Afghanistan. Besides al-Qaida, there are many other movements in the world namely: Armed Islamic Group (GIA) in Algeria, Khmer Rouge/The Party of Democratic Kampuchea in Colombia, Al-Jihad a.k.a. in Egypt Islamic Jihad, Jihad Group and Islamic Jihad in Georgia. (Robert Taylor 2002:200-230) Terrorist organization require a lot of money to organize, recruit equip members. Terrorist financiers carry out their duties so easily in countries with mechanisms that enable them to hide their efforts without difficult. The funds that support terrorist activities may come from illegal sources, fake goods, contraband cigarettes and illegal drugs and substances. The war against money laundering and terrorism is Avery difficult one. Therefore, there is no country in the world that can fight terrorism alone.The international community should supplement the efforts being done by the U.s in fighting terrorism because it’s only through, cooperation that a complex network of terrorism can be suppressed. The international community should not condone any action or behavior related to money laundering and terrorism because terrorism is a threat to economic development due to uncertainties posed by regular attack threats. Work cited: 1. John Madinger (2006): A guide for criminal investigators. Publisher Aspen. 2. Stephen Levy (2003): Federal money laundering regulation: banking corporate and securities compliance. Publisher Aspen. 3. Robert Taylor (2002), The history of terrorism. Lucent Books.

The Downside Risk of How to Write Essay about Myself That No One Is Talking About

<h1> The Downside Risk of How to Write Essay about Myself That No One Is Talking About </h1> <p>Essays can be both formal notwithstanding casual. Composing is a current that easily falls into place. Notwithstanding what type you might want Business Studies, Microeconomics, Business Management and Financial Accounting, we're here to serve your necessities. You can arrange bits of papers you're allocated to compose as well. </p> <p>No matter the crucial the article, verify that you're keen on your point. Attempt to recall, your private article may be reality, however it doesn't show you shouldn't think about it from an exploratory writing attitude. Our 1-hour exposition composing administration might be perfect answer for you. Regardless of whether you're composing an exposition for the regular application or for a specific school, you will most likely have a determination of points. </p> <p>Who realized exposition composing may be so extreme. Picking on the web article scholars isn't a bad dream any longer. The absolute initial step to composing a paper is to figure out what sort of article to compose. Informative exposition uses formal language to discuss a person or thing. </p> <p>If you request from us, you can see a draft of your paper as sure your author is going in the right course. An exploration essayist should have the option to consider soundly and consistently. The scholars we're recruiting are about structure and designing, and in this way you don't have to worry about doing it. Being an on-line article essayist is in no way, shape or form a basic activity. </p> <p>Rewrite the exposition as indicated by that reexamined arrangement and oppose the tendency to freeze in the middle, destroy this and start once more. Else you'll have a perfect opening couple of passages and conceivably the rest of the article in confusion. As the last passage is speaks to your absolute last chance to deliver your case and, being such, should adhere to an incredibly unbending format.</p> <p>Deciding on a specialist administration which will gracefully you with quality article composing is something which requires time. Our gathering of composing experts is comprised of graduates and educators capable in various orders. Finding the absolute best custom article composing administration isn't a simple activity. Finding a commendable paper composing administration at a reasonable cost isn't a simple undertaking for an unpracticed understudy. </p> <p>Now you can buy real school paper on the web, one that is going to accommodate your monetary arrangement and complete your work as well. Possibly you are distraught or satisfied with the work done, don't stress. You are probably going to cherish our work. Possibly work'' is only a couple of unobtrusive errands for a few minutes day by day, yet little advancement is much better than no advancement in any capacity. </p> <p>Additionally, the composing quality can be very low. Fabulous arrangement is to cover paper. </p> <p>So when you have an article alloted that you need support with, you can buy exposition online modest from us. Thusly, article was characterized in different ways. Expositions are incredibly customized. An article must be made out of a presentation, a body, and an end. </p> <p>Essay composing models in doc group like the ones given may help steer you recorded as a hard copy a prevalent piece. Compose the information in a deliberate stream all together for the peruser can grasp. At the point when you're composing, endeavor to forestall utilizing the specific words and expressions again and again. </p> <p>Therefore, the center isn't just elucidating. When you have done your conceptualizing and picked your subject, you may need to do a smidgen of concentrating to compose an extraordinary article. You need to choose a theme that is neither too wide nor excessively restricted. Choosing the exposition theme for your private paper is simple as you're very much familiar with the subject. </p>

Tips on How to Write an Essay

<h1>Tips on How to Write an Essay</h1><p>When you are stuck composing an exposition and don't have a clue what to do, it is essential to plunk down and work the paper out. You won't have the option to 'push' the exposition through in the event that you are as yet composing it. Here are a few hints on the most proficient method to compose an article and complete it. The exact opposite thing you need to do is invest energy revamping and re-trying the essay.</p><p></p><p>Before heading out to compose your paper, be certain that you have a rundown of subjects to remember for your exposition. Observe the themes you can use in the exposition, since this will make your following stage simpler. The primary thing you ought to do is break the paper into areas and gap it into focuses that you need to cover in your article. Focuses can either be isolated into sub-focuses or they can be composed as one long point.</p><p></p><p>As f or the structure of your paper, this is significant too. You should arrange the whole archive with the goal that you won't be confounded when you are understanding it. The most ideal approach to get this going is to utilize the white board.</p><p></p><p>Writing and arranging on the white board will assist you with sorting out the entirety of your musings and thoughts, and will permit you to see the entire of your considerations before you record anything. It will likewise keep you from missing a word that you have to record. There are a lot of assets that you can use for doing this, however the most significant asset is the white board.</p><p></p><p>One keep going tip on composing your paper is to adhere to the subject of your exposition. In the event that you feel that you might need to go thinking about something irrelevant some place, don't do it. Adhere to the subject of your exposition, and you will have the option to compose much better. The vast majority will in general forget about a subject or two and they wind up burning through a great deal of time composing something that doesn't matter.</p><p></p><p>If you are stuck and can't concoct a plan to get moving, continue looking on the web for thoughts, regardless of whether it is a blog or a discussion. On the off chance that you are experiencing difficulty thinking of thoughts, read books on the point that you are expounding on. These books will for the most part give you thoughts that will assist you with finishing your writing.</p><p></p><p>Writing your paper on the web is probably the most ideal approaches to compose an article. Everybody likes to do this sort of composing, so you won't have any issues with any other individual perusing your article. In addition, on the off chance that you are composing on the web, you can get moment criticism and comments.</p><p></p><p>You ought t o consistently set aside the effort to plunk down and compose a paper when you are stuck on a point. This is the means by which to compose a paper, and you ought to do it each and every time you experience difficulty composing. It is exceptionally useful to others who might be perusing your exposition and is extremely simple to do.</p>

Top Outline of Research Paper Secrets

<h1> Top Outline of Research Paper Secrets </h1> <p>The paper ought to get off to a decent start as to explaining new data as not to leave from your perusers confounded. Among the greatest errors made when it has to do with composing a postulation proclamation is filling it by superfluous information. The outcomes some portion of your report should be nonpartisan and you should abstain from examining your outcomes or the manner in which they contrasted from or contrasted and what was normal. There are a few reasons, however as a rule, it could be helpful to make a framework in the event that you need to show the various leveled relationship or sensible requesting of data. </p> <p>Now you realize how to start your exploration paper, you're most likely pondering how to continue onward. Frequently you will need to make a theoretical. You make a conspicuous point what you will examine and for what reason is it significant. After you've just chosen what theme you'll be expounding on, the accompanying thing you should focus on is the range of your paper or what you will be remembering for your conversation. </p> <p>You will understand that article layout format papers show up with a couple of information on them that you can alter as indicated by your own accommodation yet the master appearance of the format is an incredible example of official reason layouts however at definitely a similar time stays handy enough for business and training purposes. Utilizing a diagram layout can help the understudy sort out the paper and dispose of the thoughts that aren't identified with the capacity of the exposition. An examination diagram layout is promptly gettable on the web. An exploration paper on-line format is among the accommodating instrument for composing an examination subject. </p> <h2> The Number One Question You Must Ask for Outline of Research Paper </h2> <p>Consider a few strategies of way to deal w ith make your paper as extraordinary as could reasonably be expected, particularly if everyone is expounding on something comparable. The paper should be predictable from the beginning as far as possible. You create a layout to ensure you don't miss a couple of significant considerations and that everything is all around organized. Having a magnificent research paper plot additionally guarantees you don't forget about anything. </p> <h2> Things You Should Know About Outline of Research Paper</h2> <p>The happening to the exploration paper layout should have a theory or speculation that shows the case the paper is endeavoring to demonstrate. It is desirable over utilize entire sentence diagram structure, if your paper should be designed in MLA. Presently like never you will use your blueprint for a guide for making your postulation articulation. An examination paper plot, however, will furthermore have a speculation or postulation as a segment of the presentati on. </p> <h2>The Lost Secret of Outline of Research Paper </h2> <p>Don't overlook that the essential objective of the exploration paper is to obviously demonstrate your capacities to take a shot at your own and exhibit the extent of your insight on a few themes. The extraordinary lion's share of logical reports can be isolated into the following constituent parts. The theoretical is the most fundamental bit of the report since anyone searching for your exploration on a database or inside a diary will regularly peruse close to the theoretical. Prevalent research paper's models quite often focus on novel proposals to address which will be of an incentive in the zone. </p> <h2>Definitions of Outline of Research Paper </h2> <p>To rearrange, use the following chart at whatever point you need to take a shot at an examination paper. Regardless of whether you do a basic research or an entangled one for a bigger venture, an exploration framewor k can assist you with getting the best results. A diagram can assist with holding fast to every single proper feature of the examination study. A basic piece of any examination paper diagram will be a writing audit. </p> <p>Ask any educator or scholarly and they'll reveal to you the examination paper layout is the most fundamental part of the whole procedure. So as to begin laying out the examination paper, decide why you're looking into the subject. It's imperative to see your theoretical should summarize the full research paper. Precisely like an exposition, your examination paper needs a snare. </p> <h2>What the In-Crowd Won't Tell You About Outline of Research Paper </h2> <p>Completing a MLA diagram will ensure your examination paper position is precise. APA organization can assist you with organizing your paper well. It is mainstream among understudies because of its basic rules and approach. Step by step instructions to make an APA investigate paper plot If you must compose utilizing the APA position, you should adhere to the general standards of delivering the blueprint. </p> <p>For your exploration paper guide to get moving, you should report your pre sentation with scarcely any sentences that show what sort of research addresses you'll be inquiring. You may need to explore a lot of assets as an approach to find viable proof to back up your contention. As the title of the composing suggests you need to lead the exploration in the specific locale of information. In the occasion you need help with investigate paper diagram or some assistance with scholarly composition, don't stop for a second to utilize our master services.</p> <h2> The Unexposed Secret of Outline of Research Paper</h2> <p>Always be certain you cling to a layout and you'll remain on the correct way. Now and then where a framework is fundamental, there should be an outstanding strategy for organizing it. It will be an update for you to remember all the vital nuances for it. In any event, your layout will fill in as a manual for help you get your exploration arranged even before you start. </p> <h2> Choosing Good Outline of Researc h Paper</h2> <p>Irrespective of the area, there are specific characteristics that each part of the exploration paper framework ought to have. Illustrating the areas directly toward the beginning of composing research paper can assist you with keeping up a suitable structure for the entire review. Your essential subject and the picked writing should be contiguous. In the event that you have more than 1 material, at that point you should utilize a section going to isolate the conversation of the 2 instruments. </p>

Essay Topics About Sherlock Holmes

<h1>Essay Topics About Sherlock Holmes</h1><p>When understudies are composing Sherlock Holmes papers, it's significant that they figure out how to compose intriguing, fascinating expositions. They should have the option to join various kinds of thoughts in their exposition, and they should have the option to discuss well with the peruser. There are a couple of Sherlock Holmes paper themes that understudies can concentrate on when they are composing an essay.</p><p></p><p>Essays about Holmes' youth, for instance, can be utilized for something other than one subject. The thoughts can be consolidated in various manners to show how he has changed throughout the years. He may have grown up and experienced a wide range of life encounters and have developed into a very different individual since his youth days. His encounters can be utilized to show that he has changed and the issues he has looked because of these progressions are explored.</p> ;<p></p><p>Writers can likewise investigate Holmes' first case and see what he resembled as a kid, since Holmes started his profession as a private criminologist. Commonly an essayist will pick a solitary Holmes occurrence or issue to identify with his own life and that of his character. It can assist with demonstrating a connection among Holmes and Watson.</p><p></p><p>Or the creator can decide to recount to the account of the first wrongdoings that carried Holmes into the business. It is a smart thought to utilize instances of an effective case. These could be scenes from the early TV arrangement that the arrangement was based on.</p><p></p><p>There are a wide range of article subjects that an author can concentrate on when they are composing a paper on Holmes. The thoughts can be accustomed to bring the essayist or a peruser closer to the characters that he is expounding on. This makes the exposition enjoyable to p eruse and is a significant component in figuring out how to compose intriguing essays.</p><p></p><p>To make extraordinary article themes, the author must concoct a unique idea that accompanies the historical backdrop of the character. When a theme is chosen, the essayist needs to concoct approaches to show this subject, and exhibit how the writer ponders it. A paper point can be utilized to examine the Holmes' brain and the things that he does, with the goal that it shows that the essayist is eager to discuss him.</p><p></p><p>Some scholars will simply pick the topic of the subject. Others will need to consolidate Holmes' own existence with his criminologist work. They will need to interface these two, with the goal that the peruser will have the option to see that the point they are picking is essential to Holmes.</p><p></p><p>In expansion to utilizing article themes that talk about Sherlock Holmes, the author should set aside some effort to look at what sorts of individuals that the character has pulled in. The characters have pulled in such a large number of fascinating individuals throughout the years. They incorporate Irene Adler, Sir Arthur Conan Doyle, Dr. John Watson, Moriarty, Mary Morstan, Dr. Watson, Mrs. Hudson, General Bagshot, Rassmussen, Blunden, Lord Blackwood, and even Edith as a character.</p>

Writing a Professional Essay to Get Into Nurse Practitioner School

Writing a Professional Essay to Get Into Nurse Practitioner SchoolWriting a professional essay to get into nurse practitioner school is not difficult. Many people who take the time to consider this path are able to do so. The question, however, is whether you will be able to write an essay that the school admires and even loves to read?The answer to this question is no. The very reason you would be writing an essay about this subject matter is to prove to them that you have some writing talent and that you understand their format. You may be a great writer in your own right but if you don't know how to structure your essay, they will think you don't have a clue. And that can be incredibly frustrating for them.The first step in writing a professional essay to get into nurse practitioner school is to find out if your student's advisor is going to be receptive to your writing an essay for them. If they aren't, you will need to look elsewhere for your essay help.The second step in writin g a professional essay to get into nurse practitioner school is to be sure to include in your essay all of the information that is necessary for them to do an evaluation of your essay. You should include your educational background as well as your work history. You should also include everything about yourself that is necessary to give them an idea of who you are as a person.In writing a professional essay to get into nurse practitioner school, you must include in your writing all of the relevant information that will help them evaluate your work. You must write from a place of solid knowledge. This is what the reader will be able to compare your work to. Your objective must be to draw a line in the sand between the work that you have done and the work that the nursing student has done.This is where you will learn the difference between what you have done and what the student has done. Your objective must be to draw a line in the sand between the two.For your beginning essay, you sh ould take a look at what other students have written on this topic. Look at some examples of popular essays in order to gain some knowledge on how to write a good, relevant essay. This will enable you to show that you are much more than just another student.Writing a professional essay to get into nurse practitioner school is not difficult. It is, however, important that you do your homework and that you understand the format that the school will be using. You must make sure that you get the job done in a way that will leave an impression upon the student's adviser and that it will leave a good impression on the nursing student.

Research Topic For Research Paper

<h1>Research Topic For Research Paper</h1><p>A look into paper is a basic component of the last grade and frequently assumes a vital job in a person's profession. It is in this way basic that your examination paper is elegantly composed and all around looked into, and you ought to be acquainted with the business correspondence subjects for inquire about paper. Furthermore, these points are substantially more mind boggling than basically an ordinary research paper and require inquire about that is at the proper level.</p><p></p><p>The substance of business correspondence themes for investigate paper is extremely basic and is an expansive subject that incorporates: issues in your business, for example, client care, item quality, support for your items, the client relationship, and then some. The key is to have a decent establishment in these zones. The establishment ought to incorporate themes that won't just be a piece of the last research yet additionally uncover the principle points.</p><p></p><p>One case of the kind of business correspondence subjects for look into paper is nature. While examining the earth in an examination paper, it is imperative to have a couple of key things secured, for example, the effect of nature on business, why it is critical to affect the earth, and what explicit moves can be made to impact the earth. Numerous individuals will really have a few inquiries or worries that they need to raise and this should be possible by remembering the idea of a basic way for the last research.</p><p></p><p>A basic way is a chain of data that is followed all through the exploration procedure. This data could be for an exploration paper, a proposal, or a thesis. A basic way is typically a not insignificant rundown of inquiries and recommendations that should be replied. For instance, a basic way could be for an exploration paper; it could be for a theory, or it could be for a dissertation.</p><p></p><p>After the underlying area, there will be a rundown of choices that lead to a choice that should be made; these incorporate the accompanying: add to my paper, compose an outline, compose a report, or compose a synopsis. In this manner, it is ideal to have the principal area explored and altered to ensure that the entirety of the basic ways are incorporated and followed through.</p><p></p><p>Once you have made a basic way, you should conclude whether to utilize it as a short presentation, or use it as a full research procedure to respond to the inquiries that you need to bring to the bleeding edge. It is critical to realize that numerous individuals should allude back to this to discover the appropriate responses they are looking for.</p><p></p><p>The data in regards to business correspondence themes for inquire about paper is extremely definite and the last item should be altered to guarantee that everything has been remembered for the examination. For instance, in the event that you do exclude the significance of client support, at that point the specialist won't get to the last research and may not in any case get an opportunity to think of their own inquiry. Considering this, it is a smart thought to incorporate the business correspondence themes for inquire about paper with the examination procedure so it is all the more very much investigated and more complete.</p><p></p><p>By including research subjects for look into paper into the system, it can likewise assist with keeping away from the staggering of the exploration procedure. It can make the procedure simpler on everybody included, for example, the analyst, the editors, and the customers. It likewise takes into consideration better research and increasingly careful research.</p>

The One Thing to Do for Custom College Research Papers

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Differences Between Personality And Personality Theories...

Introduction In some ways society can be viewed as being the same. We all strive for the same human nature. We all physically possess human bodies and human minds, which allows us to have thoughts and experience human feelings. However, in contrast, there are ways that we are completely different from each person we do or do not know. People do not share the same exact experiences or perspectives on life. Individuals have unique qualities and hold specific characteristics that show our differing ways of being human. This is known because personality theories explain that no two people are truly alike. So what is personality? Personality is who we are. It is able to be molded from a person’s experiences, which then can be a set of tendencies that have been learned over a period of time. Our personalities are the determinants of how we will behave, act, react, and interact with others and respond to positive or negative situations. Some theory researchers propose that personalities are fixed from environmental and cultural reasons; some propose they are genetically influenced. There are many existing perspectives that attempt to explain specific or overall traits and types. Within this paper, the personality of aggression will be defined, different aggressive types and the development will be explained, and then discussed through the Psychoanalytic and Social Cognitive Perspectives. These two perspectives will help explain how an aggressive personality occurs from innerShow MoreRelatedDifference Between Personality And Personality Theories2640 Words   |  11 PagesIndividual differences in behaviour are the result of differences in individuals using their minds in different ways. Every personality represents a unique combination of psychological characteristics that result in specific patterns of behaviour. 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Differential psychology focuses on these domains, by studying differences in our actions, emotions, intelligences, needs and activities. (Revelle, Wilt, Condon, 2011). This paper will review four domains of individual differences: cognitive ability, personality, orientationRead MoreWhat Drives Adult Personality D evelopment?1542 Words   |  7 PagesReitz and Zimmerman’s article (2014) What Drives Adult Personality Development? A Comparison of Theoretical Perspectives and Empirical Evidence In terms of adult personality development, the most prominent perspectives utilize genetic and environmental factors into their models. Some examples of these theories consist of the five factor theory of personality and neo-social analytic theory (Specht et al., 2014). McCray and Costa’s five factor theory focuses on biological maturation and not life experiencesRead MoreThe Expectations On Personality Types1319 Words   |  6 PagesIntroduction Expectations on Personality types – a strategic view of relationships at work 1 List your gap and why it is important to theory and practice, unaddressed, and advancing (see Grant Pollock, 2011) o GAP †¢ Previous research has not yet investigated how different personality types may have different expectations towards leaders within the workplace. Neither Expectancy theory, Leader-Member Exchange Theory or Metaperceptions have addressed which expectations followers might have towardsRead MoreBiological And Trait Perspectives On The Human Personality1480 Words   |  6 PagesBiological and Trait Perspectives and Explanations of Neuroticism Two perspectives on the human personality will be explained in the following two sections. The first perspective is the biological perspective of personality. 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This paper will be describing the psychodynamic theory and how its approach signifies one’s perspectiveRead MorePersonality Traits And Theories Of Personality1513 Words   |  7 PagesThe term personality has been defined several times in different ways throughout the history of psychology. A definition that captures much of what is meant by personality was described as â€Å"more or less stable, internal factors that make one person’s behaviour consistent from one time to another, and different from the behaviour other people would manifest in comparable situations† by Child (1968) (Eysenck, 1994). This definition is very broad and it includes personality traits as well as intelligenceRead MoreThe Psychodynamic And Humanistic Theory Of Personality1557 Words   |  7 PagesPersonality is from the Latin word ‘persona’, which is referred to as roles we adopt and play. However, psychologist and personality theorist argue that the term is seen more tha n playing a role or roles that people tend to play. Therefore, personality theorists have not come to an overall agreeable single definition of personality. This essay will compare and contrast the Psychodynamic and the Humanistic theory of personality. There are certainly major differences between the two theories of personality

Unbiased Report Exposes the Unanswered Questions on How to Form a Thesis Statement for a Research Paper

<h1> Unbiased Report Exposes the Unanswered Questions on How to Form a Thesis Statement for a Research Paper </h1> <p>In an examination paper, your proposal proclamation should be something which you have concocted through your own special significant reasoning and you have to just settle on your postulation articulation once you've finished some exploration to have the option to affirm that you're going so as to back the announcement up with your exploration. When the last draft is finished and you've made the indispensable installments, you'll have the option to download and peruse your paper. Simply, the proposition must be something that various people could sensibly have various assessments on. Indicating the peruser you realize what you're talking about and you're focused on the theme is a certain way to deal with hold their concentration to the end of the paper. </p> <h2> How to Form a Thesis Statement for a Research Paper Explained</h2> < ;p>Whenever somebody peruses your postulation articulation, they have to get a sentiment of what your paper is about and what, assuming any, inclination or contention you have. A proposal articulation is contained two or three sentences that sum up the significance of your discoveries and clarify what the goal of your paper is. </p> <p>For model, you get the chance to calculate own the situating of the announcement alongside how to guarantee it is doubtful. You won't find a proposition proclamation generator on the web that can make a unique contention which won't bore the peruser. As the author, you may utilize the proposition explanation for a guide in making an intelligent contention. All things considered, you don't should be worried about that when you get an announcement of the issue test proposition from us. </p> <p>Therefore, it's coherent that for every particular kind of article you have to utilize your own one of a kind relating postulation maker. In the event that you might want your postulation to be named a theory and not just a futile sentence, use a very exact tone and explicit words. You will likewise need to determine a parameter for your theory that will be proper for the length of your task. </p> <p>Continue to encounter that procedure till you feel you've restricted your proposal however much as could be expected. It's well worth emphasizing that a generally excellent theory proclamation is explicit. The theory explanation will have the option to assist you with verifying that all your exploration and composing is related with the objective of your composition. An extraordinary theory explanation ought to be centered around a significant purpose of your examination. </p> <p>A postulation explanation is a crucial piece of an article. Since it is the most significant piece of a paper, you need to remember numerous models while making it. Your postulation articulation ought to be around two or three sentences in length and it should be appeared close to the initiation of your paper. By and large, it very well may be the last line of the principal section in your exploration paper or article. </p> <p>Student essayists frequently make the mistake of overlooking the concentration and making the exploration postulation extremely expansive in order to incorporate things like a lot of research. Research is a basic piece of any school program. </p> <h2>How to Form a Thesis Statement for a Research Paper Help! </h2> <p>There are heaps of ways how really you can start your paper. In case you're composing a paper that should respond to a specific research question, the absolute first thing you ought to do is comprehend the assignment obviously. It is fine to return and reevaluate the proposition articulation so the last form fits the examination paper the absolute best. Indisputably the most significant issue to remember is that the speculative theory proclamation isn't thrown on stone since it's just planned to manage you while composing your examination paper. </p> <h2>Life After How to Form a Thesis Statement for a Research Paper </h2> <p>Explain quickly the key focuses you need to cov er in your paper and why perusers should be keen on your subject. On the off chance that you select a theme that isn't important to you, it will appear in your paper. A subject is the vital thought of an exposition and for the most part can be expressed in two or three words to sum up the subject of your examination paper. Continuously endeavor to choose an examination theme that you're learned about, or at any rate one that will be basic that you discover progressively about. </p> <h2> The Little-Known Secrets to How to Form a Thesis Statement for a Research Paper</h2> <p>At decisively a similar time, proposal proclamations for various types of papers aren't precisely the same. With the past part, you may need help from a factious postulation generator. You may have recently heard the articulation proposal referenced in most of scholastic composing stages, beside the basic reality that we've given you a brief review of what it is. Your theory should be const rained to what can be accomplished in the assigned assortment of pages. </p> <p>You should develop a postulation which you're prepared to demonstrate using the instruments you have accessible, without expecting to counsel the world's top master on the issue to gracefully you with a complete judgment. Accordingly, it requires significant research to have the option to be viewed as dependable. There are a ton of locales giving free on-line proposal title generator apparatuses. Government reconnaissance programs accomplish more harm than great since they attack common freedoms, lead blameless people to endure out of line disciplines, and eventually neglect to watch the residents they are made to shield. </p> <p>A guarantee you make shouldn't be basic. In all actuality, there are 2 critical assortments of postulation explanations. Furnished that you arm yourself with enough proof to handle some of the inquiries which may emerge. You will utilize proof from your c oncentrating to show the fact of the matter you're making. </p> <h2>What to Do About How to Form a Thesis Statement for a Research Paper </h2> <p>Both the contention and your proposition are well on the way to require modification in transit. Don't hesitate to demand changes in the event that you accept any segment of the paper neglects to satisfy your desires. Counsel your teacher on the time allotment the postulation explanation should be to abstain from committing errors. A proposition makes a specific explanation to the peruser what you'll be endeavoring to contend. </p> <h2> How to Form a Thesis Statement for a Research Paper: No Longer a Mystery </h2> <p>All you are expected to do is finished a request structure. Building up an awesome theory is basic in light of the fact that in a few cases it establishes the pace for the rest of the paper and consequently, turns into a definitive purpose of your undertaking's prosperity. A prop osition is the result of an all-inclusive reasoning strategy and cautious consideration after fundamental research. It is the consequence of an extensive reasoning procedure. </p>

Writing an Essay - Sample Writing

<h1>Writing an Essay - Sample Writing</h1><p>The most ideal approach to discover the perfect penmanship and language tests for your paper is to do a little schoolwork and investigate them. It doesn't take a lot, and once you've done some similar correlations, you'll have all that could possibly be needed example sentences to complete your essay.</p><p></p><p>If you're getting ready to compose an article on legislative issues, the examples you can utilize incorporate political examination, argumentation, quote assortment, and conversation. These all go together, as do sentence structure, grammar, style, and tone. Therefore, you need to be certain that you have however many example sentences as could be allowed that show your capacity to compose well.</p><p></p><p>If you are taking school level composition, you will most likely need to do some class assignments on governmental issues or other related subjects, and compos ing is a significant piece of this procedure. On the off chance that you don't have the foggiest idea how to organize your article and organization your content accurately, at that point the examples of language and writing in the exposition tests segment of an online interpretation administration won't be effective.</p><p></p><p>There are many, numerous schools that show legitimate strategies for sentence structure and language, and in case you're new to these things, the most ideal approach to learn is to stare at the TV or read as much as possible. You will likewise need to consider what your own composing resembles, and you should start by perusing your own work until you have a smart thought of how it streams and sounds.</p><p></p><p>If you are not at where you can take a gander at your own work and know whether it is the correct sort of composing for your article, there are numerous English language tests accessible from speciali st co-ops, which will give you a progressively adjusted comprehension of what the different styles mean and how to appropriately utilize them. Try not to stress a lot over how their content may sound to you, since you can discover numerous approaches to move toward them that will sound totally address to others.</p><p></p><p>Many understudies who do a great deal of research frequently search for the correct examples of composing as they compose their own work. This is valid for the vast majority, however you might have the option to profit by realizing that multiple occasions the individuals who don't pay attention to this sort of research don't succeed very well in the composing calling. So consider this on the off chance that you end up battling with syntax or style.</p><p></p><p>Even when you don't have your semantic abilities acceptable, you can even now utilize language tests to furnish you with a beginning stage for your composit ion. It's simply an issue of finding the correct example entries that you can use in your work, with the goal that you don't just duplicate glue words out of your PC's Word report, yet rather utilize a model sentence or expression from the punctuation and composing tests in an article that will enable your perusers to see precisely what you're attempting to communicate.</p>

Topic Ideas That Will Put Up a Good Fight

<h1>Topic Ideas That Will Put Up a Good Fight</h1><p>If you are going to compose an exposition on a specific subject, and in the event that you are wanting to compose a paper, at that point you should have a lot of theme thoughts. These are the subjects that will make a valiant effort with other all the more notable points. These are the points that will end up being a commendable enemy in the warmth of the day.</p><p></p><p>To settle on exposition themes, you can likewise go on the Internet and quest for the subject that you need to compose a paper on. Also, you can even peruse the web for a wide range of paper subjects. You ought to likewise look the Internet for the assessment of others. Ask your companions, neighbors, or family members and attempt to hear their point of view about the subject that you have in mind.</p><p></p><p>You can likewise utilize the Internet to peruse a few and can get a wide range of though ts from these. You can likewise look through these web journals and compose an exposition on any of these. In the event that you utilize the Internet for this, at that point you will clearly know which of these is going to make a valiant effort with the others. You will at that point have the option to list these themes that will make your paper a commendable rival in the most ideal manner. Thusly, you can be certain that the point that you are going to compose will be acceptable enough.</p><p></p><p>Now you have a couple of subjects that you can use as contentions to compose an exposition that will make a valiant effort with the others. These are the theme thoughts that will make a valiant effort in the day. These are the points that won't let you down. What's more, in the event that you go through these themes to put a decent battle, at that point you will get an opportunity to get all the focuses that you need to make in your essay.</p><p></ p><p>Now you would then be able to go out and discover subjects that will make a valiant effort in the day. For example, you can get any of the accompanying subjects for an exposition. These are the point thoughts that won't let you down. You can likewise attempt to peruse the online journals and read for these points that will make a valiant effort in the day.</p><p></p><p>For sure, you need to locate a decent theme to utilize. You should then assemble all the thoughts you have and this should then assist you with deciding the point that will be the best to utilize. On the off chance that you scan the web for the assessment of others, at that point you can discover great subjects that are to utilize. You can likewise make a rundown of the points that you can use.</p><p></p><p>So now you have a rundown of subjects that you can use as your exposition themes. What's more, these are the subjects that will make your article a comm endable adversary in the day.</p>

English Literature Essay Topics You May Not Have Noticed

English Literature Essay Topics You May Not Have NoticedWhile writing an English literature essay topics should never be omitted, you need to keep in mind the fact that English writing for students and adults has changed over the years. There are some topics that are outdated or simply don't apply to you and your needs now as a student.American history is one of the oldest subjects to be included in a literature essay. There is plenty of information available about the founding fathers and the country's past, however as a student it is a subject you should not touch. It is an age old subject that should not be used as the sole basis for your essay.Another of the English literature essay topics that many students take for granted is romance. It is an art form that has existed from the beginning of civilization. It is a multi-faceted subject that will leave you with lots of interesting facts to bring up and hopefully lead to an interesting topic. If you are unsure of the genre, use Wik ipedia and if you are a fan of the genre, read as many books as you can.The actual purpose of this topic is to find a topic that can be easily read by an English student. This topic can include anything from the history of the book to how it fits into the entire world. The topic must be relevant to the overall writing that you are doing. You want to make sure that you do not overwhelm your readers with too much information or they may become bored with your essay.A major and even most important thing to remember when writing an essay of this nature is to present yourself well. Since your audience is going to be primarily other English literature students, you need to be able to present yourself in a way that will appeal to them. The tone you use, the words you use, and your body language are all important things to consider.There are many different types of people who want to write essays on a topic like this, but it is best to know what the problem is before you try to present it. The goal is to make sure you are writing from a position of strength and not something that are too weak. This will ensure that your audience is left with something that is easily understood.As mentioned above, the common theme with this topic is romance. It is actually a very important topic for people who have a taste for this type of literature to have a grasp on. It is not too difficult to determine what kind of romance you are writing about, but it can also be challenging to write an essay that will hold a lot of appeal to everyone who reads it.As you can see, there are many English literature essay topics that can be used to help guide you along the way to successful writing. There are a few topics that you may be familiar with that have been used over the years and you may want to avoid, however if you research enough you will find that the basics are the ones that work best for you. Whether you are a beginner or a professional, keeping a list of the basic topics you may enco unter will help you when it comes time to research what you need to write.

Bank Management Chapter 7 Free Essays

string(202) " able to recapture its costs because its productivity has not increased commensurately or because the technology has already become obsolete, it has invested in a negative NPV investment in technology\." Suggested end-of-Chapter Practice Questions: Chapter Seven Chapter 71, 2, 3, 7, 11, 13, 19, 22, 29, 32, 33, problem similar to HW 1. What is the process of asset transformation performed by a financial institution? Why does this process often lead to the creation of interest rate risk? What is interest rate risk? Asset transformation by an FI involves purchasing primary assets and issuing secondary assets as a source of funds. The primary securities purchased by the FI often have maturity and liquidity characteristics that are different from the secondary securities issued by the FI. We will write a custom essay sample on Bank Management Chapter 7 or any similar topic only for you Order Now For example, a bank buys medium- to long-term bonds and makes medium-term loans with funds raised by issuing short-term deposits. Interest rate risk occurs because the prices and reinvestment income characteristics of long-term assets react differently to changes in market interest rates than the prices and interest expense characteristics of short-term deposits. Interest rate risk is the effect on prices (value) and interim cash flows (interest coupon payment) caused by changes in the level of interest rates during the life of the financial asset. . What is refinancing risk? How is refinancing risk part of interest rate risk? If an FI funds long-term fixed-rate assets with short-term liabilities, what will be the impact on earnings of an increase in the rate of interest? A decrease in the rate of interest? Refinancing risk is the uncertainty of the cost of a new source of funds that are being used to finance a long-term fixed-rate asset. This risk occurs when an FI is holding assets with maturities greater than the maturities of its liabilities. For example, if a bank has a ten-year fixed-rate loan funded by a 2-year time deposit, the bank faces a risk of borrowing new deposits, or refinancing, at a higher rate in two years. Thus, interest rate increases would reduce net interest income. The bank would benefit if the rates fall as the cost of renewing the deposits would decrease, while the earning rate on the assets would not change. In this case, net interest income would increase. 3. What is reinvestment risk? How is reinvestment risk part of interest rate risk? If an FI funds short-term assets with long-term liabilities, what will be the impact on earnings of a decrease in the rate of interest? An increase in the rate of interest? Reinvestment risk is the uncertainty of the earning rate on the redeployment of assets that have matured. This risk occurs when an FI holds assets with maturities that are less than the maturities of its liabilities. For example, if a bank has a two-year loan funded by a ten-year fixed-rate time deposit, the bank faces the risk that it might be forced to lend or reinvest the money at lower rates after two years, perhaps even below the deposit rates. Also, if the bank receives periodic cash flows, such as coupon payments from a bond or monthly payments on a loan, these periodic cash flows will also be reinvested at the new lower (or higher) interest rates. Besides the effect on the income statement, this reinvestment risk may cause the realized yields on the assets to differ from the a priori expected yields. 7. How does the policy of matching the maturities of assets and liabilities work (a) to minimize interest rate risk and (b) against the asset-transformation function for FIs? A policy of maturity matching will allow changes in market interest rates to have approximately the same effect on both interest income and interest expense. An increase in rates will tend to increase both income and expense, and a decrease in rates will tend to decrease both income and expense. The changes in income and expense may not be equal because of different cash flow characteristics of the assets and liabilities. The asset-transformation function of an FI involves investing short-term liabilities into long-term assets. Maturity matching clearly works against successful implementation of this process. 11. A money market mutual fund bought $1,000,000 of two-year Treasury notes six months ago. During this time, the value of the securities has increased, but for tax reasons the mutual fund wants to postpone any sale for two more months. What type of risk does the mutual fund face for the next two months? The mutual fund faces the risk of interest rates rising and the value of the securities falling. 13. What is market risk? How do the results of this risk surface in the operating performance of financial institutions? What actions can be taken by FI management to minimize the effects of this risk? Market risk is the risk of price changes that affects any firm that trades assets and liabilities. The risk can surface because of changes in interest rates, exchange rates, or any other prices of financial assets that are traded rather than held on the balance sheet. Market risk can be minimized by using appropriate hedging techniques such as futures, options, and swaps, and by implementing controls that limit the amount of exposure taken by market makers. 14. What is credit risk? Which types of FIs are more susceptible to this type of risk? Why? Credit risk is the possibility that promised cash flows may not occur or may only partially occur. FIs that lend money for long periods of time, whether as loans or by buying bonds, are more susceptible to this risk than those FIs that have short investment horizons. For example, life insurance companies and depository institutions generally must wait a longer time for returns to be realized than money market mutual funds and property-casualty insurance companies. 19. What is the difference between technology risk and operational risk? How does internationalizing the payments system among banks increase operational risk? Technology risk refers to the uncertainty surrounding the implementation of new technology in the operations of an FI. For example, if an FI spends millions on upgrading its computer systems but is not able to recapture its costs because its productivity has not increased commensurately or because the technology has already become obsolete, it has invested in a negative NPV investment in technology. You read "Bank Management Chapter 7" in category "Essay examples" Operational risk refers to the failure of the back-room support operations necessary to maintain the smooth functioning of the operation of FIs, including settlement, clearing, and other transaction-related activities. For example, computerized payment systems such as Fedwire, CHIPS, and SWIFT allow modern financial intermediaries to transfer funds, securities, and messages across the world in seconds of real time. This creates the opportunity to engage in global financial transactions over a short term in an extremely cost-efficient manner. However, the interdependence of such transactions also creates settlement risk. Typically, any given transaction leads to other transactions as funds and securities cross the globe. If there is either a transmittal failure or high-tech fraud affecting any one of the intermediate transactions, this could cause an unraveling of all subsequent transactions. 22. If you expect the French franc to depreciate in the near future, would a U. S. -based FI in Paris prefer to be net long or net short in its asset positions? Discuss. The U. S. FI would prefer to be net short (liabilities greater than assets) in its asset position. The depreciation of the franc relative to the dollar means that the U. S. FI would pay back the net liability position with fewer dollars. In other words, the decrease in the foreign assets in dollar value after conversion will be less than the decrease in the value of the foreign liabilities in dollar value after conversion. 29. What is country or sovereign risk? What remedy does an FI realistically have in the event of a collapsing country or currency? Country risk involves the interference of a foreign government in the transmission of funds transfer to repay a debt by a foreign borrower. A lender FI has very little recourse in this situation unless the FI is able to restructure the debt or demonstrate influence over the future supply of funds to the country in question. This influence likely would involve significant working relationships with the IMF and the World Bank. 32. What is liquidity risk? What routine operating factors allow FIs to deal with this risk in times of normal economic activity? What market reality can create severe financial difficulty for an FI in times of extreme liquidity crises? Liquidity risk is the uncertainty that an FI may need to obtain large amounts of cash to meet the withdrawals of depositors or other liability claimants. In times of normal economic activity, depository FIs meet cash withdrawals by accepting new deposits and borrowing funds in the short-term money markets. However, in times of harsh liquidity crises, the FI may need to sell assets at significant losses in order to generate cash quickly. 33. Why can insolvency risk be classified as a consequence or outcome of any or all of the other types of risks? Insolvency risk is the risk that an FI may not have enough capital to offset a sudden decline in the value of its assets. This risk involves the shortfall of capital in times when the operating performance of the institution generates accounting losses. These losses may be the result of one or more of interest rate, market, credit, liquidity, sovereign, foreign exchange, technological, and off-balance-sheet risks. 34. Discuss the interrelationships among the different sources of FI risk exposure. Why would the construction of an FI’s risk management model to measure and manage only one type of risk be incomplete? Measuring each source of FI risk exposure individually creates the false impression that they are independent of each other. For example, the interest rate risk exposure of an FI could be reduced by requiring customers to take on more interest rate risk exposure through the use of floating rate products. However, this reduction in FI risk may be obtained only at the possible expense of increased credit risk. That is, customers experiencing osses resulting from unanticipated interest rate changes may be forced into insolvency, thereby increasing the FI’s default risk. Similarly, off-balance sheet risk encompasses several risks since off-balance sheet contingent contracts typically have credit risk and interest rate risk as well as currency risk. Moreover, the failure of collection and payment systems may lead corporate customers into bankruptcy. Thus, te chnology risk may influence the credit risk of FIs. As a result of these interdependencies, FIs have focused on developing sophisticated models that attempt to measure all of the risks faced by the FI at any point in time. Practice 1. A bank has the following balance sheet structure: AssetsLiabilities and Equity Cash$10,000Certificate of Deposit$90,000 Bond$90,000Equity $10,000 Total Assets$100,000Total Liabilities and Equity$100,000 The bond is a Eurobond; it has a ten-year maturity and a fixed-rate coupon of 6 percent. The certificate of deposit has a one-year maturity and a 4 percent fixed rate of interest. The FI expects no additional asset growth. a. What will be the net interest income (NII) at the end of the first year? Note: Net interest income equals interest income minus interest expense. b. If at the end of year 1, market interest rates have increased 100 basis points (1 percent), what will be the net interest income for the second year? Is the change in NII caused by reinvestment risk or refinancing risk? c. Assuming that market interest rates increase 1 percent. (i) What will be the market value of the bond? (ii) What will be the market value of equity? (Assume that all of the NII in part (a) is used to cover operating expenses or is distributed as dividends, so that there is no addition to retained earnings. ) a. What will be the net interest income (NII) at the end of the first year? Note: Net interest income equals interest income minus interest expense. Interest income$5,400$90,000 x 0. 06 Interest expense 3,600$90,000 x 0. 04 Net interest income (NII)$1,800 b. If at the end of year 1, market interest rates have increased 100 basis points (1 percent), what will be the net interest income for the second year? Interest income$5,400$90,000 x 0. 06 Interest expense 4,500$90,000 x 0. 05 Net interest income (NII)$900 The decrease in net interest income is caused by the increase in financing cost without a corresponding increase in the earnings rate. The increase in market interest rates does not affect the interest income because the bond has a fixed-rate coupon for ten years. Note: this answer makes no assumption about reinvesting the first year’s interest income at the new higher rate. c. Assuming that market interest rates increase 1 percent. (i) What will be the market value of the bond? (ii) What will be the market value of equity? (Assume that all of the NII in part (a) is used to cover operating expenses or is distributed as dividends, so that there is no addition to retained earnings. Note: market value of equity falls due to lower market value of the bond If the coupon rate is 6%, yield to maturity = 7%, then using our financial calculator, N = 9 (only 9 years left), PMT = 540, I = 7%, FV = 90,000. Compute PV; find PV = -84,136. 29. Hence the market value of the bond fell from $90,000 to $84,136. 29 (a decrease of $5,863. 71). Since the interest rate on the CD has risen (it had only a one year maturity; so it get s a new interest rate when it is re-issued), the market value of the CD is $90,000 (interest rate = coupon rate on the CD). Consequently, it is the market value of equity that will decline. If the bank must sell the bond, it will sell it at the lower market value and realize the loss. The book value of equity has remained at #10,000, but the market value of equity has fallen by the amount of the decrease in the value of the bonds. This was a problem faced by banks in 2008, when the market value of the mortgage debt and mortgage backed securities and CDOs (collateralized debt obligations) fell; some of them had negative equity in market value terms. How to cite Bank Management Chapter 7, Essay examples

Bank Management Chapter 7 Free Essays

string(202) " able to recapture its costs because its productivity has not increased commensurately or because the technology has already become obsolete, it has invested in a negative NPV investment in technology\." Suggested end-of-Chapter Practice Questions: Chapter Seven Chapter 71, 2, 3, 7, 11, 13, 19, 22, 29, 32, 33, problem similar to HW 1. What is the process of asset transformation performed by a financial institution? Why does this process often lead to the creation of interest rate risk? What is interest rate risk? Asset transformation by an FI involves purchasing primary assets and issuing secondary assets as a source of funds. The primary securities purchased by the FI often have maturity and liquidity characteristics that are different from the secondary securities issued by the FI. We will write a custom essay sample on Bank Management Chapter 7 or any similar topic only for you Order Now For example, a bank buys medium- to long-term bonds and makes medium-term loans with funds raised by issuing short-term deposits. Interest rate risk occurs because the prices and reinvestment income characteristics of long-term assets react differently to changes in market interest rates than the prices and interest expense characteristics of short-term deposits. Interest rate risk is the effect on prices (value) and interim cash flows (interest coupon payment) caused by changes in the level of interest rates during the life of the financial asset. . What is refinancing risk? How is refinancing risk part of interest rate risk? If an FI funds long-term fixed-rate assets with short-term liabilities, what will be the impact on earnings of an increase in the rate of interest? A decrease in the rate of interest? Refinancing risk is the uncertainty of the cost of a new source of funds that are being used to finance a long-term fixed-rate asset. This risk occurs when an FI is holding assets with maturities greater than the maturities of its liabilities. For example, if a bank has a ten-year fixed-rate loan funded by a 2-year time deposit, the bank faces a risk of borrowing new deposits, or refinancing, at a higher rate in two years. Thus, interest rate increases would reduce net interest income. The bank would benefit if the rates fall as the cost of renewing the deposits would decrease, while the earning rate on the assets would not change. In this case, net interest income would increase. 3. What is reinvestment risk? How is reinvestment risk part of interest rate risk? If an FI funds short-term assets with long-term liabilities, what will be the impact on earnings of a decrease in the rate of interest? An increase in the rate of interest? Reinvestment risk is the uncertainty of the earning rate on the redeployment of assets that have matured. This risk occurs when an FI holds assets with maturities that are less than the maturities of its liabilities. For example, if a bank has a two-year loan funded by a ten-year fixed-rate time deposit, the bank faces the risk that it might be forced to lend or reinvest the money at lower rates after two years, perhaps even below the deposit rates. Also, if the bank receives periodic cash flows, such as coupon payments from a bond or monthly payments on a loan, these periodic cash flows will also be reinvested at the new lower (or higher) interest rates. Besides the effect on the income statement, this reinvestment risk may cause the realized yields on the assets to differ from the a priori expected yields. 7. How does the policy of matching the maturities of assets and liabilities work (a) to minimize interest rate risk and (b) against the asset-transformation function for FIs? A policy of maturity matching will allow changes in market interest rates to have approximately the same effect on both interest income and interest expense. An increase in rates will tend to increase both income and expense, and a decrease in rates will tend to decrease both income and expense. The changes in income and expense may not be equal because of different cash flow characteristics of the assets and liabilities. The asset-transformation function of an FI involves investing short-term liabilities into long-term assets. Maturity matching clearly works against successful implementation of this process. 11. A money market mutual fund bought $1,000,000 of two-year Treasury notes six months ago. During this time, the value of the securities has increased, but for tax reasons the mutual fund wants to postpone any sale for two more months. What type of risk does the mutual fund face for the next two months? The mutual fund faces the risk of interest rates rising and the value of the securities falling. 13. What is market risk? How do the results of this risk surface in the operating performance of financial institutions? What actions can be taken by FI management to minimize the effects of this risk? Market risk is the risk of price changes that affects any firm that trades assets and liabilities. The risk can surface because of changes in interest rates, exchange rates, or any other prices of financial assets that are traded rather than held on the balance sheet. Market risk can be minimized by using appropriate hedging techniques such as futures, options, and swaps, and by implementing controls that limit the amount of exposure taken by market makers. 14. What is credit risk? Which types of FIs are more susceptible to this type of risk? Why? Credit risk is the possibility that promised cash flows may not occur or may only partially occur. FIs that lend money for long periods of time, whether as loans or by buying bonds, are more susceptible to this risk than those FIs that have short investment horizons. For example, life insurance companies and depository institutions generally must wait a longer time for returns to be realized than money market mutual funds and property-casualty insurance companies. 19. What is the difference between technology risk and operational risk? How does internationalizing the payments system among banks increase operational risk? Technology risk refers to the uncertainty surrounding the implementation of new technology in the operations of an FI. For example, if an FI spends millions on upgrading its computer systems but is not able to recapture its costs because its productivity has not increased commensurately or because the technology has already become obsolete, it has invested in a negative NPV investment in technology. You read "Bank Management Chapter 7" in category "Essay examples" Operational risk refers to the failure of the back-room support operations necessary to maintain the smooth functioning of the operation of FIs, including settlement, clearing, and other transaction-related activities. For example, computerized payment systems such as Fedwire, CHIPS, and SWIFT allow modern financial intermediaries to transfer funds, securities, and messages across the world in seconds of real time. This creates the opportunity to engage in global financial transactions over a short term in an extremely cost-efficient manner. However, the interdependence of such transactions also creates settlement risk. Typically, any given transaction leads to other transactions as funds and securities cross the globe. If there is either a transmittal failure or high-tech fraud affecting any one of the intermediate transactions, this could cause an unraveling of all subsequent transactions. 22. If you expect the French franc to depreciate in the near future, would a U. S. -based FI in Paris prefer to be net long or net short in its asset positions? Discuss. The U. S. FI would prefer to be net short (liabilities greater than assets) in its asset position. The depreciation of the franc relative to the dollar means that the U. S. FI would pay back the net liability position with fewer dollars. In other words, the decrease in the foreign assets in dollar value after conversion will be less than the decrease in the value of the foreign liabilities in dollar value after conversion. 29. What is country or sovereign risk? What remedy does an FI realistically have in the event of a collapsing country or currency? Country risk involves the interference of a foreign government in the transmission of funds transfer to repay a debt by a foreign borrower. A lender FI has very little recourse in this situation unless the FI is able to restructure the debt or demonstrate influence over the future supply of funds to the country in question. This influence likely would involve significant working relationships with the IMF and the World Bank. 32. What is liquidity risk? What routine operating factors allow FIs to deal with this risk in times of normal economic activity? What market reality can create severe financial difficulty for an FI in times of extreme liquidity crises? Liquidity risk is the uncertainty that an FI may need to obtain large amounts of cash to meet the withdrawals of depositors or other liability claimants. In times of normal economic activity, depository FIs meet cash withdrawals by accepting new deposits and borrowing funds in the short-term money markets. However, in times of harsh liquidity crises, the FI may need to sell assets at significant losses in order to generate cash quickly. 33. Why can insolvency risk be classified as a consequence or outcome of any or all of the other types of risks? Insolvency risk is the risk that an FI may not have enough capital to offset a sudden decline in the value of its assets. This risk involves the shortfall of capital in times when the operating performance of the institution generates accounting losses. These losses may be the result of one or more of interest rate, market, credit, liquidity, sovereign, foreign exchange, technological, and off-balance-sheet risks. 34. Discuss the interrelationships among the different sources of FI risk exposure. Why would the construction of an FI’s risk management model to measure and manage only one type of risk be incomplete? Measuring each source of FI risk exposure individually creates the false impression that they are independent of each other. For example, the interest rate risk exposure of an FI could be reduced by requiring customers to take on more interest rate risk exposure through the use of floating rate products. However, this reduction in FI risk may be obtained only at the possible expense of increased credit risk. That is, customers experiencing osses resulting from unanticipated interest rate changes may be forced into insolvency, thereby increasing the FI’s default risk. Similarly, off-balance sheet risk encompasses several risks since off-balance sheet contingent contracts typically have credit risk and interest rate risk as well as currency risk. Moreover, the failure of collection and payment systems may lead corporate customers into bankruptcy. Thus, te chnology risk may influence the credit risk of FIs. As a result of these interdependencies, FIs have focused on developing sophisticated models that attempt to measure all of the risks faced by the FI at any point in time. Practice 1. A bank has the following balance sheet structure: AssetsLiabilities and Equity Cash$10,000Certificate of Deposit$90,000 Bond$90,000Equity $10,000 Total Assets$100,000Total Liabilities and Equity$100,000 The bond is a Eurobond; it has a ten-year maturity and a fixed-rate coupon of 6 percent. The certificate of deposit has a one-year maturity and a 4 percent fixed rate of interest. The FI expects no additional asset growth. a. What will be the net interest income (NII) at the end of the first year? Note: Net interest income equals interest income minus interest expense. b. If at the end of year 1, market interest rates have increased 100 basis points (1 percent), what will be the net interest income for the second year? Is the change in NII caused by reinvestment risk or refinancing risk? c. Assuming that market interest rates increase 1 percent. (i) What will be the market value of the bond? (ii) What will be the market value of equity? (Assume that all of the NII in part (a) is used to cover operating expenses or is distributed as dividends, so that there is no addition to retained earnings. ) a. What will be the net interest income (NII) at the end of the first year? Note: Net interest income equals interest income minus interest expense. Interest income$5,400$90,000 x 0. 06 Interest expense 3,600$90,000 x 0. 04 Net interest income (NII)$1,800 b. If at the end of year 1, market interest rates have increased 100 basis points (1 percent), what will be the net interest income for the second year? Interest income$5,400$90,000 x 0. 06 Interest expense 4,500$90,000 x 0. 05 Net interest income (NII)$900 The decrease in net interest income is caused by the increase in financing cost without a corresponding increase in the earnings rate. The increase in market interest rates does not affect the interest income because the bond has a fixed-rate coupon for ten years. Note: this answer makes no assumption about reinvesting the first year’s interest income at the new higher rate. c. Assuming that market interest rates increase 1 percent. (i) What will be the market value of the bond? (ii) What will be the market value of equity? (Assume that all of the NII in part (a) is used to cover operating expenses or is distributed as dividends, so that there is no addition to retained earnings. Note: market value of equity falls due to lower market value of the bond If the coupon rate is 6%, yield to maturity = 7%, then using our financial calculator, N = 9 (only 9 years left), PMT = 540, I = 7%, FV = 90,000. Compute PV; find PV = -84,136. 29. Hence the market value of the bond fell from $90,000 to $84,136. 29 (a decrease of $5,863. 71). Since the interest rate on the CD has risen (it had only a one year maturity; so it get s a new interest rate when it is re-issued), the market value of the CD is $90,000 (interest rate = coupon rate on the CD). Consequently, it is the market value of equity that will decline. If the bank must sell the bond, it will sell it at the lower market value and realize the loss. The book value of equity has remained at #10,000, but the market value of equity has fallen by the amount of the decrease in the value of the bonds. This was a problem faced by banks in 2008, when the market value of the mortgage debt and mortgage backed securities and CDOs (collateralized debt obligations) fell; some of them had negative equity in market value terms. How to cite Bank Management Chapter 7, Essay examples

Maker Movement Spreads Innovation Project †Myassignmenthelp.Com

Question: Discuss About The Maker Movement Spreads Innovation Project? Answer: Introduction The video is all about the maker movement, where the craftsmen transform their imagination into reality. It is really surprising that the machines used for hacking the computers are used for revolutionizing the technology of the whole world. Here, contrast can be developed between the hacking and revolutionizing the technology. The main theme of the video is design thinking and creative learning, which possesses flexibility to create corporate minds for the production of innovative products and services (Youtube.com, 2017). Along with this, the aspect of design thinking is also applicable in altering the scenario of the workplace of business, education and healthcare (Schn, Ebner Kumar, 2014). The technology used The technologies shown in the video are drillers, leathers, screw drivers, screw pens, meter boxes among others. Variety of these technologies helps the craftsmen to produce latest and innovative machines for enhancing the comfort of the people (Halverson Sheridan, 2014). The quotation, being a maker is just not taking the world is effective in terms of makers relation with the world. Innovation in the design of the crafts enhances his social identity. (Source: Halverson Sheridan, 2014) Perceiving the maker movement as a hobby reflects the importance of craftsmanship in terms of the other professions (Youtube.com, 2017). Here, manufacturing attains commonality in terms of luring the people towards the technology. The quotation, I made this and I think there is something really negative about that is a kind of looking down upon the efforts put in by the manufacturers for creating modern and innovative technology. Impact and implications on the contemporary culture The technology projected in the video is enhances the clarity of the spectators in terms of the widespread benefits of technology in the fields of education, healthcare and finance. Technology has eased each and every activity; rather it has transformed the scenario of the administration (Peppler Bender, 2013). (Soure: Peppler Bender, 2013) The end of the work day reflects the end of the manufacturing tasks, which the manufacturers perform within their shift timings. It is the enthusiasm, which helps them to perform the challenging tasks in an efficient and effective manner. Looking at the pile and boasting that much of the work is done has several connotations. One, this boasting reflects the satisfaction of the manufacturer in terms of capability towards performing the allocated tasks. On the other hand, it contradicts the essential characteristics of the manufacturers in terms of achieving customer satisfaction (Dougherty, 2012). Delving deep into both these connotations, both relate with the approach of the manufacturer regarding the allocated duties and responsibilities. Negative impression about the produced work reflects the lack of confidence regarding the effective functioning of the machine. This negativity is a threat for the workplace, school, hospitals and other places in terms of carrying out the tasks automatically. If the drawbacks are not modified within proper time, the machines would turn out to be defective at the time of the actual operation (Schn et al., 2014). On the contrary, if IT experts are hired for examining the machines, it would be beneficial for the professionals of various walks of life to enhance the productivity. Conscious attitude towards this activity helps in maintaining the balance of life. Herein lays the appropriate correlation with the phrase, ecosystem is in full phase. (Soure: Schn, Ebner Kumar, 2014) References Dougherty, D. (2012). The maker movement.innovations,7(3), 11-14. Halverson, E. R., Sheridan, K. (2014). The maker movement in education.Harvard Educational Review,84(4), 495-504. Peppler, K., Bender, S. (2013). Maker movement spreads innovation one project at a time.Phi Delta Kappan,95(3), 22-27. Schn, S., Ebner, M., Kumar, S. (2014). The Maker Movement. Implications of new digital gadgets, fabrication tools and spaces for creative learning and teaching.eLearning Papers,39, 14-25. Youtube.com (2017), Doumentary on Maker Movement, Retrieved 15th Sep 2017 from https://www.youtube.com/watch?v=mklywR7TQxs