The way it is done.

The manner in which it is finished. Learning is something in my temperament. Since an incredible start I have watched and taken in a wide range of things by being normally disposed to comprehend what is happening because of unadulterated interest and intelligent understanding. Presently, I have gotten to the meaningful part in my life where I have to find my own learning style. I have my very own perspective and learning things dependent on measures, for example, the state of mind I'm in, the hour of day it is, or even what subject I am considering. These sorts of explicit subtleties make up what is known as a learning profile.My old method of learning didn't bolster my learning profile since it comprised of being in a remotely tranquil condition with or without an examination gathering. I basically began gathering my notes on a specific subject and considered them. This necessary total harmony and calm and I would not like to be disturbed.Learning the Hard WayI could break my fixation effectively from the smallest int erruption and this would make me lose concentrate quickly. In the event that I lost concentrate too often I would simply lose enthusiasm for the task completely, for that timeframe, which just set me again from finishing it. I feel that, in the wake of exploring Peak Learning, I have gotten to the heart of the matter where I can figure out what sort of a student and scholar I am.I am a grouper. I unite various data dependent on one point and unite everything to shape a procedure of fruition. I can focus while exercises are going on around me, however I can't concentrate on what I am contemplating if there is a discussion going on before me. I can concentrate in sufficiently bright region or I can sit in...

Investments and Challenges for Enterprises †Free Samples to Students

Question: Examine about the Investments and Challenges for Enterprises. Answer: Presentation Web of Things (IoT) includes the system of associating the product, equipment and sensors. The usage of IoT innovation in cultivating and horticulture has altogether changed the situation of cultivating in general. The quality has improved a great deal with the approach of IoT. The different advances related with the IoT innovation have changed the food quality. The ranchers consistently remain associated with the Internet and utilize the remote system for the advantages. Presently, there is a downside, since the ranchers utilize the shaky system they fall into prey of the digital aggressors, they assault their frameworks and lock their framework and requesting cash. The ransomware assault cost them to an extreme. They take the ranchers information too. This examination study will audit the issues and give answers for fortify the security system for the advancement of the ranchers with the goal that they can lead their exercises securely and safely over the system. The basic security issues with remote advances This examination study will exhibit the issues and give answers for reinforce the security structure for the advancement of the ranchers with the goal that they can lead their exercises securely and safely over the system. Jing et al., (2014) recommended the normal security arrangements in the remote innovation. The dangers those are related with the remote innovation are- Interruption: The portable system is as a rule progressively opened to the interlopers, they effectively access those cell phones by means of an unprotected system and make it vulnerable.tivities. Granjal, Monteiro Silva, (2015) portrayed the dynamic assault and the aloof assault included extravagantly and absence of security can prompt both physical and virtual interloper assault, for example, hacking, information burglary, the framework uprightness pulverization. The dynamic assault includes ID satirizing is essentially identified with the unapproved get to or unapproved benefits, the dynamic assault likewise includes the entrance of individual documents in the PC framework by methods for rotation or adjustment of the information, that dynamic assault additionally corresponds the word reference assaults to recognize or distinguish a lot of station administration identifiers. As indicated by Da et al., (2014) the replay assault or DoS assault is related with getting to and abusing the wired equal protection encryption. As indicated by Gubbi et al., (2013) the inactive assault includes the amassing of the data when the data is in transmitting in the middle of the unapproved gadgets. The detached assault can happen by the accompanying two techniques Listening stealthily: this technique includes the observing and managing of the transmissions of the message parts in the middle of the gadgets Traffic investigation: Loo, Mauri Ortiz, (2016) referenced the procedure which includes observing and organizations of transmissions for specific examples of correspondence. All the procedures portrayed above are a piece of crimes that includes hacking and abusing the versatile framework and remote framework and () delineated them perfectly. The present security answers for the security dangers on Internet of Thing Borgohain, Kumar Sanyal, (2015) introduced the security arrangements that are related with the IoT for reducing the security dangers are-verification, making sure about correspondence that implies information assurance while it is in travel, insurance of information while simultaneously, making sure about capacity which includes ensuring information while the information is very still. Verification: Abomhara Kien, (2014) delineated the normal calculation AES and SHA-256 that guides in validation; the confirmation procedure includes the utilization of the deviated open key. In the event of verification open key idea is utilized to encipher and disentangle information for improving security. The sender sends an information encoded with the safe key and the collector on the opposite end can just gain admittance to the information by unscrambling similar information with the protected key. The sender and the collector can just access the information and they must have the key, that implies the interlopers in the middle of if attempt to get to the information they should realize the key encryption guarantees information wellbeing. Whitmore, Agarwal Da Xu, (2015) featured that computerized mark is another type of verification. The idea of computerized testament includes a private key encryption which must be opened by the open key, the private key is just known to the se nder and the beneficiary. Making sure about information correspondence by methods for calculations: According to Botta et al., (2016) the product executions to make sure about the information my methods for verification can be power devouring. At the point when that product sent in a framework, it takes a great deal of CPU cycles for preparing, subsequently the framework turns out to be moderate and languid now and again, henceforth it defers other indispensable works and makes the system more slow. In any case, the issue can be fathomed by the execution of the symmetric encryption calculations like AES and 3DES and the unbalanced calculations RSA and ECDSA. As per Al-Fuqahaet al., (2015) usage of every one of these calculations make the framework quicker and subsequently make it power-productive. The product suggestions, then again, can be repetitive and can slow the framework and subsequently ought to be supplanted by these calculations. Secure travel: Matharu, Upadhyay Chaudhary, (2014) expressed that the delicate data while in travel must stay protected and secure all through the transmission between the sender and the collector, and those must not be spilled at all. Nonetheless, in certain occurrences if there should arise an occurrence of installment applications, another wellbeing and security layer is required, certain product instruments become possibly the most important factor for this situation, and the execution of the code can be made secure by actualizing those devices. The made sure about condition can be accomplished by the security chips and the inbuilt security contributes the IoT gadget have CPU. Making sure about the information while putting away in the gadget: When the information is put away in the database of the IoT gadgets, it very well may be made secure with the safe key and the special gadget identifier. From the root keys, the meeting keys are created and these keys are for confirmation and making sure about association among the gadgets. As per Chen et al., (2014), the approved clients who realize the keys' subtleties can just access and can additionally speak with the gadgets; these information are made sure about regarding guarantee and security. Making sure about close to home data: IoT assists with making sure about and secure the benefits of the clients. IoT assists with building custom applications to ensure clients' information; it makes clients' life less difficult. Remain in front of the clients: The designers or the makers by taking the assistance of cloud innovation and progressed IoT arrangements can remain in front of their rivals. Giving advantages to horticulture and cultivating: The ranchers or any people can utilize the IoT arranged equipment and programming answers for get practical and made sure about help. IoT giving propelled information stockpiling: According to Grieco et al., (2014), the customers can get the propelled information storerooms and standard, and furthermore the propelled information assurance by means of IoT. The aggressors or the gatecrashers discovering the provisos has spread their arms and the digital wrongdoings are expanding step by step, ransomware is one of that sort, the ransomware infection become famous in view of the accompanying imperfections Absence of appropriate approval strategy: Lack of solid passwords can prompt unapproved access and lead to untrustworthy information utilization. Encryption disappointment: Martnez-Prez et al., (2015) exhibited that the gadgets neglect to encode or decode information when the information is moved, despite the fact that the gadget is associated with the Internet. The security certifications: The clients utilize a similar default username and secret key preconfigured for the gadgets. Security issues: The protection issues cause as the associations gather information from the clients through an uncertain system. Open-source programming: According to Trappe, Howard Moore, (2015), IoT gadgets must be designed with the open-source programming and not the paid programming, as these can decrease the utilization of IoT innovation and the understudies and the teachers can confront difficulties receiving the new innovation for them. Open-source programming help to conquer the security penetrates without any problem. IoT in testing mode: IoT innovation is still in beta mode and should be reformed, there are numerous security breaks and a few entanglements that should be tended to and comprehended as quickly as time permits. The better methods of defeating the security challenges that can help ranchers The most ideal answer for defeating the security challenges in the IoT gadgets is to ensure the individual data and subtleties and the details by actualizing required IoT gadgets that are IoT calculations and related IoT equipment. IoT equipment can make the entire framework financially savvy just as the calculations can assist them with processing things over the Internet further. Besides, it furnishes us with a made sure about arrangement. Lee, (2015) portrayed that the security can be accomplished by following methods Fixing all the framework prerequisites every day: The PC work area, just as the cell phones, must be designed and set up to introduce the day by day refreshes. The refreshed patches incorporate all the answers for the security penetrates. In this way, the refreshed working framework is less defenseless against dangers. Reinforcement framework records and individual information: The sponsorship up of framework documents and the individual information help in this situation. On the off chance that any significant documents get influenced, at that point it won't hurt, so the reinforcement is most effortless and least expensive technique, it assists with alleviating the impact of ransomware impact. Refreshed programming: According to Farooq et al., (2015), the product or applications introduced in the gadget must be refreshed constantly; the programs must be refreshed, as the obsolete programming is increasingly helpless against security dangers and dangers. Blocking SMB inbound or outbound on

Compare between 2 companies (Audi SUV Q7) and (Toyota suv cruiser)

Official outline It is obvious that there are various highlights that are utilized to look at Service Utility Vehicles (SUVs, for example, Audi Q7 and Toyota Cruiser. From a cautious investigation, these sorts of SUVs are made by various organizations. All things considered, they have various highlights that are comparative and those that separate them.Advertising We will compose a custom report test on Compare between 2 organizations (Audi SUV Q7) and (Toyota suv cruiser) explicitly for you for just $16.05 $11/page Learn More The unmistakable highlights that one ought to consider incorporate their classification drive types, base transmission, seating limit, motor execution and fuel utilization. When making a succinct correlation, it is basic to look at both the inside and outside highlights. Also, one can similarly investigate the significant security highlights, for example, headlights, dependability control, slope start help and motor stability. It is against these gauges that th is paper expects to make a correlation between two organizations in particular Audi SUV q7 and Toyota SUV cruiser while exhibiting their promoting ideas. Organizations in the engine vehicle industry need to hold up under as a primary concern that there is solid rivalry in the car business and henceforth the need to practice the best advertising procedures. Acquaintance According with Pride, Hughes and Kapoor (2011), there are three significant viewpoints which must be efficient. The initial move towards making progress is achieving ideal flexibly of assortment administrations or products. An organization must give the market a wide scope of items. Furthermore, it ought to be noticed that customers in this industry anticipate that the separate organizations should flexibly them with quality items. Rajagopal (2000) contends that an engine organization that doesn't deliver excellent items which rise above the desires for its customer base is almost certain to bomb as an undertaking. Th ird, so as to prevail in an exceptionally serious business condition, organizations ought to organize the efficiency of their individual workers (Pride, Hughes Kapoor, 2011). The last is probably going to recreate towards improving consumer loyalty. Hence, this clarifies the motivation behind why organizations in the vehicle business ought to be very vital when promoting their completed items to the more extensive worldwide market.Advertising Looking for report on business financial aspects? How about we check whether we can support you! Get your first paper with 15% OFF Learn More Industry foundation The engine vehicle industry has been a predominant division of the economy since days of yore when the soonest motors were imagined. Organizations working in this industry have been capable beat the trial of time by getting exceptionally serious in the auto versatile industry. Measurements show that through creation of value items, the industry has had the option to get serious in the worldwide market (Rajagopal, 2000). It is important that different brands of engine vehicle machines have in fact figured out how to overwhelm the worldwide market by a long shot and wide. There are loads of vehicle models and structures through which customers can browse and meet their own preferences and inclinations. The assembling fragment of the business yields dependable minimized vehicles, traveler vehicles, minivans and numerous different sorts of machines. For quite a while now, the industry has recorded surprising execution. A case model is the Toyota Company. On the off chance that money related figures are anything to pass by, a turnover of US$ 216,255.13 for the year finishing March 2011 was a sign of accomplishment by the Toyota Company (Rajagopal, 2000). Organization foundation From a cautious examination of writing, it is clear that these two kinds of vehicles are to a great extent Service Utility Vehicles (SUVs). Additionally, examines have indicated that both are a rranged as SUV/Crossovers. Further examinations have delineated that these organizations fabricate the vehicles with comparable drive types. For example, FindTheBest.Com (2012) clarifies that their drive type involves AWD/4X4. Also, these vehicles have a seating limit of seven travelers each. Besides, both have 4 entryways with a programmed base transmission of 6-speed.Besides, Girnar Soft Automobiles.Com (2012) note that these vehicles expend the two gas and diesel for fuel. To underline on this, their fuel limit is around 26.4 lady. Regarding the inside highlights, FindTheBest.Com (2012) features that there are various parts of Audi q7 that looks like those of Toyota SUV cruiser.Advertising We will compose a custom report test on Compare between 2 organizations (Audi SUV Q7) and (Toyota suv cruiser) explicitly for you for just $16.05 $11/page Learn More For instance, both have a hand free calling, power seats and cowhide upholstery. In addition, they have a helper input jack despi te the fact that this isn't very much evolved in the Audi SUV q7 (FindTheBest.Com, 2012). Obviously, the two vehicles are very much introduced with A/C notwithstanding atmosphere control highlights. Moreover, Audi produces a wide assortment of cars separated from the renowned Audi SUV q7. Since its foundation as a gathering organization, it has had the option to take care of its immense market generally well. They have in excess of 100 plants situated in different key areas over the world. These plants are arranged in various mainlands despite the fact that they work with an exceptionally close linkage. The auxiliary organizations hold fast to severe structures which have been planned at the focal plant (Tram, 2010). Clients of this organization approach serious after deal items which incorporate trucks, vans, sport utilities and traveler taxis. Through vital showcasing, this firm records a generally steady money related turnover which goes around US$128,954.00 per annum (Rajagopal, 2000). In actuality, the organization has had the option to explore through the serious car industry without breaking a sweat because of its adaptable advertising ideas. Full scale natural powers The large scale ecological powers in the two organizations are controlled by the consumers’ tastes and inclinations. For example, there are standard highlights that can be utilized to assess the similitudes between these two vehicles. A portion of the highlights that are basic in the two cases incorporate climate control systems, CD player, power guiding and power windows. Further examinations have uncovered that these vehicles have comparable non-freezing stopping mechanism and focal locking (Girnar Soft Automobiles.Com, 2012). There are other standard highlights that are intended for wellbeing and can be distinguished in these vehicles. These highlights incorporate strength control, side window ornament airbags, motor immobilizers and front for lights (Girnar Soft Automobiles.Com, 2012). This correlation must be applicable to the investigation in the event that it shows how these two organizations apply promoting ideas to interest their clients. The techniques set down are vital. To begin with, the opposition component between the two car organizations is very clear.Advertising Searching for report on business financial aspects? How about we check whether we can support you! Get your first paper with 15% OFF Find out More Albeit numerous organizations in this industry make camouflaged after of adversary models (Pride, Hughes Kapoor, 2011), these have not utilized such rule. Their tasks are recognized by overall goals. Their style is additionally ruled by offering so as to connect the most stretched out market conceivable. It is significant that Toyota works with moderately open market targets. This worldwide firm has been known to permit clients and every other partner to follow everyday accomplishments of the organization. They keep data on the qualities of the items at the removal of the market. This has been accomplished through expansion of online business (Tram, 2010). The organization has an exceptional spotlight on clients. They don't just concentrate on current customers. All the potential purchasers are additionally given due consideration as a vital part of building a solid advertising portfolio. They give a propelling encounter to any individual who shows enthusiasm for their items. Consequ ently, an accentuation is given to development of solid connections between the organization and customers of its items. This clarifies why the Toyota SUV cruiser creators benefit a lot of item and friends data to the individuals who are keen on them. Small scale natural powers On a similar note, Audi has an expertly comparable activity. Their methodology marginally fluctuates as in their items have joined a component of client particular (Tram, 2010). There are four significant promoting angles related with this organization. In any case, steady advancement of its model items is a key component. Clients are given mandates about the plan cosmetics of every item. The greatest brands have been left under the consideration of steadfast clients. As indicated by Rajagopal (2000), organizations which have built up client unwaveringness have little to do with regards to acknowledging ideal upper hand in the market. In straightforward business terms, uniqueness has helped the Audi vehicle b rand to push its deals in the car advertise. The firm is equipped towards protecting its clients. Thoughts on advertising efforts are inbuilt to each and every cooperation with clients. They have showcase based way to deal with item structures. This is appeared by their fortification on customers’ contribution to terms of structuring their items. SWOT examination This investigation endeavors to talk about the qualities, shortcomings, openings and dangers that might be confronting each organization. Qualities It merits referencing that Audi SUV Q7 vehicle is made by Audi Company while Toyota SUV Cruiser is made by Toyota Company. As far as their model and trim, the previous is a Q7 imitation while the last is a land cruiser. As indicated by Girnar Soft Automobiles.Com (2012), inspecting the normal gas mileage is without a doubt basic when buying a vehicle. It is apparent t

Future Doctor from Age 10 Interview With a Medical School Applicant

This interview is the latest in an Accepted blog series featuring  interviews with medical school applicants and students, offering readers a behind-the-scenes look at top medical schools and the med school application process. And now, introducing  Maria Valdez Accepted: We’d like to get to know you! Where are you from? Where and what are you studying as an undergrad? Maria:  Hello! My name is Maria Valdez, I live and was raised in Yuma, Arizona but was born in Mexicali, Baja California in Mexico. My dad came to the U.S. when my mom was pregnant with me and then when I was about 1 year old we all moved. I have 2 older brothers and 1 little sister, who is my world. I attend the University of Arizona – Yuma campus. The main campus of the University of Arizona is in Tucson, but after a year there I came back to Yuma and am finishing up my degree here in Yuma. My degree is a Bachelor’s of Science in Family Studies and Human Development. I changed my major several times  Ã¢â‚¬â€œ at first I was majoring in anthropology, then physiology, public health and lastly Family Studies and Human Development. At the end of the day I am very happy with the major I chose because it has taught me the emotional side of medicine. Sometimes a patient needs more than a prescription, surgical procedure or exam, they need empathy to get through whatever they are going through. I like to call this major the holistic major of medicine. Accepted: If you could meet any famous person past or present who would it be and why? Maria: I would have loved to meet Oliver Sacks. His view of medicine and his research in neuroscience is phenomenal. He is sort of like a poet and neurologist put together  Ã¢â‚¬â€œ his writings/books are amazing. He was such a curious man, and had so many stories. I actually did a presentation on his work/research with the disease encephalitis lethargica for an internship. I would have loved to meet and talk with him about neuroscience, and so many other things! Accepted: If you could describe yourself in 3 words, what would they be? Maria: Ambitious, hopeful and family oriented. Accepted: When and where do you plan on applying to med school? Maria: I plan to apply to medical school in August 2017. The two top medical schools on my list are University of Arizona – Phoenix campus and Keck Medical School in California. My goal is to apply to medical schools in and close to my family’s state, Arizona. Ideally, I would love to stay in either Arizona or California but I will apply to all the states around Arizona. I want to remain close to my family, especially my sister. Accepted: What stage are you at in the med school process? Have you taken the MCAT yet? What tools do you plan on using to study for the exam? Maria: I am currently studying for my MCAT. I am done with all my premed courses. I was going to apply last year and take my MCAT last year but I was not able too. I had a lot going on: I was an intern in psychiatry during the summer, I had summer classes, plus other work that I needed to do for my internship. I realized the first day of my internship that I couldn’t do it, I was not going to be able to study for the MCAT and do everything else. It was painful to realize this but I was glad I did. The last thing one wants to do is go into medical school burned out and I think that is how I would have ended up if I would have applied this year. Now my plan is to take the MCAT in May 2017. I am currently using Kaplan. I used Barrons first but I felt it was too condensed. Right now I am learning all the Kaplan flashcards. I also do the daily question that @MCATpublishing tweets each day, and have great people around me who are helping me and motivating me! Another thing that help s during MCAT prep is organization! That is key, organize a schedule of when you will study. It is so much information missing one study day can hurt, but remember to take at least 1 day off so you can get a break. Accepted: You have a blog called Marvalous Premed007.  What can readers find on your site? What made you want to start chronicling your journey to med school? Maria: Yes I do. I started that blog in the midst of my neurosurgery internship. The main reason I started it was because I needed to vent. A lot of things were happening in my life: I left home, was in neurosurgery so I saw a lot of things from death to miracles, I left the military spontaneously and my sister was going through a tough time (she was diagnosed with Epilepsy and a chromosomal mutation). I needed to do something to keep me sane, and writing seemed to be it. I ended up realizing that I loved writing. Not only was it therapeutic, but it became my hobby and now another area where I wish to pursue a career in. I also hope that my posts motivate and inspire other students by showing them that they are not alone. I have not written in my personal blog in a while, but I have a post I will publish soon! I am also a blogger for Huffington Post where I write about more general topics. For example one of my last blogs was about the science and politics of cannabis. I love writing and hope to grow in that field. Accepted: Who are some of the people or what are some of the experiences that inspired you to follow your chosen career path? Maria: The person that most inspired me to start a medical career was my sister. She was diagnosed with Autism when I was 10, and from then on I spent my life in and out of clinics. I translated for my mom, since she only knew Spanish, so sometimes I had no choice but to learn some medical terminology to be able to translate. Time passed and I went on learning more and more, till I did it for fun. I knew I wanted to go into neuroscience. I did not know I loved surgery until my neurosurgery internship. Along with my sister, I thankfully have my family who supports me in my career. Medicine is a hard and a lifelong career, so a support system is crucial. Accepted: What are some of your most rewarding extracurricular activities? How have those shaped your love for medicine? Maria: Because I jumped into the medical field very young, the majority of my extracurricular activities were in medicine itself, like my neurosurgery internship or my developmental peds internship. The one that I think was the most rewarding and emotionally and physically draining was my neurosurgery internship.   I started out in the summer and continued the whole school year till the following summer. I loved it  Ã¢â‚¬â€œ I had never seen such beauty and precision in my life. But as we know, medicine isn’t always happy. It can be the exact opposite. I remember a patient who was in a car crash, he had ICP so he got an EVD. It was thought he was going to have it removed soon but things took a turn and he started to have IC bleeding. Long story short, he had about 3 to 4 surgeries to remove the EVD and control the brain bleeds. Having to talk to his family was torture. It was hard giving hope when you yourself are looking for hope to save this patient, and it is painful to see the family going through so much†¦Fortunately, the patient lived and had no neurological deficits. This side is the ugly side of medicine, because medicine has an ugly side, a very very ugly side. And sometimes we don’t see the ugly side of medicine till medical school or 6 months before the MCAT. That is why shadowing and actual experience in the medical field is CRUCIAL. It will help you decide how much you love medicine and if you love it enough to commit yourself to this career. I am very grateful I got the opportunity to see the ugly side of medicine. These ugly sides have actually made me question 2 times if I really do love medicine or not, but once I get back into the OR or spend a day helping save lives in the trauma bay, I remember that there isn’t anything I rather do than save lives. Accepted: Any last words of wisdom youd like to share? Maria: Don’t lose hope, don’t say you can’t be a doctor because you got a C, I got some Cs Now, I am definitely not proud of them, but I learned and that is the most important thing because when you become a doctor, you will make mistakes that’s inevitable, you are human, but the important thing is that you learn from them. Also, find a hobby. Medicine is emotionally draining, and you will need that hobby to refresh yourself. A resident told me that once, and I thought, why? If I love spending hours in the OR, I dont need a hobby. Sometimes, though, you don’t realize you are draining yourself till youre halfway drained (thats how I got those Cs). And lastly, never lose curiosity. Curiosity is what will keep you going, because just like Aristotle once said, the more you know the more you know you don’t know. You can follow Marias journey by following her on Twitter (@Marvalous007) and by checking out her blog Marvalous Premed007). Thank you Maria for sharing your story with us we wish you much success! For one-on-one guidance on your med school applications, check out our catalog of med school admissions services. Do you want to be featured in Accepted’s blog? If you want to share your med school journey with the world (or at least with our readers), email us at bloggers@accepted.com. Related Resources: †¢Ã‚  What do the Medical School Admissions Teams Say About Admissions? †¢ 5 Reasons Why Med Applicants Should Volunteer †¢Ã‚  Making Your MCAT Study Plan

Subprime Lenders And The Financial Crisis - 865 Words

Subprime loans are ethical tools which were wildly misused during the time leading up to the financial crisis in 2008-2009. Subprime lending targeted borrowers who would typically not qualify for standard loans for various reasons. These included low credit scores, low income, and history of late payments. The loans were offered at a rate higher than the market rate due to the increased risks of the borrowers. Many of the clients Countrywide supported were much less likely to be able to pay off their loans compared to traditional borrowers. In the years leading up to the financial crisis, the real estate industry was flourishing which encouraged even clients who could not afford fancy houses to use subprime loans to finance their homes.†¦show more content†¦Inflation of real estate appraisals also added to more reckless lending. Each of these factors contributed to the plethora of homeowners who could not afford their houses and pay their mortgages. If the idea of subprime l ending had remained pure, this financial tool could have helped many people change their lives for the better. However, businesses were careless and greedy enough to lend to increasingly risky clients, which ended up harming their businesses, their clients, and eventually the entire economy. During the early 2000s, when subprime lending reached its peak, Countrywide was extensively involved in risky transactions. To ensure that the company continued to grow and increase its profits, many ethical boundaries were tested. Incentives were offered to salespeople who were rewarded for taking risks. Subprime loans were given to clients who could not afford the loans and conversely those who qualified for traditional loans. Appraisers exaggerated housing values to reassure lending. Liar loans were one of the biggest areas of ethical concern when Countrywide was investigated in the late 2000s. These specific mortgages were given to clients who were not asked to provide proof of their indicated income. Borrowers would overstate their income in order to attain liar loans, possibly with the help of Countrywide personnel. These loans were handed out for the purpose of generating easy, short-term profits through increased fees and high interest

When Do Opportunity Costs Count - 1014 Words

In the study â€Å"When do opportunity costs count? The impact of vagueness, project completion stage, and management accounting experience†, Victoravich asks the research question â€Å"how two situational factors, vagueness of opportunity cost presentation and stage of project completion, affect individuals’ tendency to attend to opportunity costs†? (2010) Opportunity cost is a â€Å"fundamental component of classical economic theory†, and defined as â€Å"the value of the next-highest-valued alternative use of that resource â€Å"(Victoravich, 2010; Henderson, 2015). Opportunity costs are also known as trade-offs. The motivation behind this study stems from the fact that prior studies investigating the impact of implicit versus explicit opportunity costs ,†¦show more content†¦For the purposes of the study, Victoravich defines vagueness as a â€Å"common pitfall of real world situations because decision-makers do not have access to exact inf ormation about the costs and benefits of all available options† (2010). In the way in which Victoravich presents prior research findings and constructs, there seems to a clear gray area. Victoravich’s presentation showcases the importance and need of additional research in order to conducted to elaborate, clarify, and expanding on the previous findings and judgements. Victoravich’s study incorporates prior findings and seeks to the supplement the shortcomings of the prior research studies, such as: Shortcomings of Previous Research: †¢ Prior research has typically presented opportunity costs in a precise manner, which is inconsistent with how they would appear in a realistic setting. †¢ Prior research has not investigated whether opportunity cost vagueness reduces decision-makers’ tendency to attend to this relevant information. †¢ Prior research has yet to investigate the cognitive process by which attention to opportunity costs influences judgment and decision-making and whether it has a decisional consequence. In the study â€Å"When do opportunity costs count? The impact of vagueness, project completion stage, and management accounting experience†, the conceptual constructs examined in are 1) Management Accounting Experience, 2)

Financial Performance of Evergreen Marine Corporation †Free Samples

Question: Discuss about the Financial Performance of Evergreen Marine Corporation. Answer: Introduction: This report has been presented to examine the financial performance of Evergreen Marine Corporation and Wan Hai shipping. Analysis of financial performance is crucial for every investor as it helps them to choose the best security from the market. Financial performance of a company could be affected through various internal and external factors. It is required for an investor to look over entire internal and external actor before making a long term investment into the company. For internal analysis, company could analyze the final statement of the company and the annual report of the company. For external factors company could analyze the industry report or compare the performance of the company in any other firm which is also performing under the same industry. Evergreen Marine Corporation: Evergreen Marine Corporation is a Taiwanese company. It operates its function in transporting and shipping the containers. This company has been found in 1968. This company performs its functions globally. Headquarter of the company is situated in Luzhu District, Taiwan. Currently 3398 people have been employed by the company and the revenue of the company is $ 4.556 billion (Home, 2017). Wan Hai shipping: Wan Hai shipping is a Taiwanese company. It operates its function in transporting and shipping the products from one place to another. This company has been found in 1965. This company performs its functions globally. Headquarter of the company is situated in Taiwan. Currently 4588 people have been employed by the company and the revenue of the company is TWD 57351 million (Home, 2017). Calculation of ratios: Ratios analysis is one of the studies to analyze the performance of the company in terms of various bases such as profitability, solvency, efficiency, liquidity etc. Ratio analysis gives a brief idea to the investor about the performance and position of the company, further, through ratio analysis last year data can also be compared from current year data as well as the ratio analysis data could be compared to industry data to analyze the performance and the profitability of the company (Morningstar, 2017). Ratio analysis study has been performed over both the companies. The calculations of ratio analysis are in appendix. In which, current and quick ratios depict about the liquid position of the company. Net profit and margin and return on equity depict about the profitability position of the company. Average receivable collection period, return on equity, total asset turnover, times interest earned ratio, return on total assets etc depict about the efficiency position of the company (Morningstar, 2017). Further, the debt ratio and earnings yield depict about solvency position of the company. Analyze financial performance: Financial performance of a company could be analyze through analyzing over the final financial statements of the company, in this report, final financial statement which are income statement, cash flow statement, balance sheet etc have been analyzed of Evergreen Marine Corporation and Wan Hai shipping (White, Sondh Fried, 2005). Evergreen Marine Corporation: Final financial data of evergreen Marine Corporation limited has been analyzed to evaluate the performance of the company in context of various financial data. The evaluation over financial analysis of the company is as below: Short term solvency: Short term solvency position of a company depict about the ability of a firm to meet its entire short term financial obligation. Solvency position seeks to analyze the ability of a company to avoid the stress related to financial condition for short term (cal et al, 2007). Study over the solvency position of evergreen marine depict that the solvency position of the company has been bit better from 2015 in 2016. 2016, data depict that the current assets and current liabilities, both has been enhanced in 2016 but the liability ratio is quite higher and thus the current and quick ratio has been lowered. This is a good sign as currently the revenue of the company has been reduced so company didnt required any high amount as well as now company can use the minimum resources at their maximum. Financial stability: Financial stability is a position of a company in which the financial system of the company such as profitability of the company, return of the investors, net profit of the company and various other points of the company is examined and it is analyzed that how stable the position and performance of the company is. Study over the financial stability of evergreen marine depict that the position and performance of the company is not at all stable. Various changes have been taken place into the performance of the company from 2015 in 2016. The revenue of the company, net profit of the company etc has been analyzed and it has been found that the financially company is not stable (Bramme, Brooks Pavelin, 2006). Company is required to control over various internal factors and make such strategies that the external factors could not affect the performance and position of the company. Efficiency of asset management: Asset management efficiency is evaluated after analyzing the effectiveness and efficiency of a company to manage its assets. Efficiency of assets management depict about the assets position with context of various financial data. This evaluation helps the investor to identify the operations and effectiveness of the company. Study over the efficiency of asset management of evergreen marine depict that the position and performance of the companys assets has been lowered due to various external factors but still the impact is quite little. Total assets of the company have been lowered from 2015 in 2016. The revenue of the company, net profit of the company etc has been analyzed and it has been found that the impact of those have been imposed over the asset position of the company. Company is required to control over various internal factors through adopting various new strategies. Profitability: Profitability position of a company depict about the total profit earned by the company in various situation and in the context of various data. Study over the profitability position of evergreen marine depict that the position and profitability of the companys net profit has been lowered due to various external factors. Currently the net profit of the company is TWD -6608 million which was TWD -4408 million in last year. This depict that the profitability position of the company has been lowered with a huge amount. The nest profit has been lowered due to less revenue and high operating expenses. Market place performance: Lastly, the market place performance of the company has been analyzed. For performing this study, various factors of the company have been analyzed. In this report, it has been analyzed that the market place performance of evergreen Marine Corporation depict that the company is performing average in terms of position and performance. Through this report, it has been analyzed that the performance of the company is not that much attractive. Wan Hai shipping: Final financial data of evergreen Wan Hai Shipping limited has been analyzed to evaluate the performance of the company in context of various financial data. The evaluation over financial analysis of the company is as below: Short term solvency: Short term solvency position of a company depict about the ability of a firm to meet its entire short term financial obligation. Solvency position seeks to analyze the ability of a company to avoid the stress related to financial condition for short term. Study over the solvency position of Wan Hai Shipping limited depict that the solvency position of the company has been bit bad from 2015 in 2016. In 2016, data depict that the current assets has been lowered and current liabilities have been enhanced in 2016 and thus current and quick ratio has been enhanced. This is a bad sign as currently the revenue of the company has been reduced so company didnt required any high amount as well as now company can use the minimum resources at their maximum. So it is required by the company to reduce the level of current assets as well as current liabilities to manage the funds of the company (Brigham Houston, 2012). Financial stability: Financial stability is a position of a company in which the financial system of the company such as profitability of the company, return of the investors, net profit of the company and various other points of the company is examined and it is analyzed that how stable the position and performance of the company is (Fletcher Growing, 1979). Study over the financial stability of Wan Hai Shipping depict that the position and performance of this company is also not stable. Various changes and various internal and external factors have been taken place and impacted the performance of the company from 2015 in 2016. The revenue of the company, net profit of the company etc has been analyzed and it has been found that the financially company is not stable. Company is required to control over various internal factors and make such strategies that the external factors could not affect the performance and position of the company (Bartram, Brown Fehle, 2009). Efficiency of asset management: Asset management efficiency is evaluated after analyzing the effectiveness and efficiency of a company to manage its assets. Efficiency of assets management depict about the assets position with context of various financial data. This evaluation helps the investor to identify the operations and effectiveness of the company. Study over the efficiency of asset management of Wan Hai Shipping depict that the position and performance of the companys assets has been lowered due to various external factors but still the impact is quite little. Total assets of the company have been lowered from 2015 in 2016 (Van Horne Wachowicz, 2008). The revenue of the company, net profit of the company etc has been analyzed and it has been found that the impact of those have been imposed over the asset position of the company. Company is required to control over various internal factors through adopting various new strategies. Profitability: Profitability position of a company depict about the total profit earned by the company in various situation and in the context of various data. Study over the profitability position of Wan Hai Shipping depict that the position and profitability of the companys net profit has been lowered due to various external factors. Currently the net profit of the company is TWD 1142 million which was TWD 3943 million in last year. This depict that the profitability position of the company has been lowered with a huge amount. The nest profit has been lowered due to less revenue and high operating expenses (Shapiro, 2008). Market place performance: Lastly, the market place performance of the company has been analyzed. For performing this study, various factors of the company have been analyzed. In this report, it has been analyzed that the market place performance of Wan Hai Shipping limited depict that the company is performing average in terms of position and performance. Through this report, it has been analyzed that the performance of the company is not that much attractive (Thomas, Lyons, Chen Pugh, 2008). Cross Sectional analysis: Cross sectional analysis method of analysis which compares a companys ratios with other company who is performing under the same industry. Usually, this analysis is done according to the industry benchmark. In this study, ratios of Evergreen Marine Corporation and Wan Hai shipping have been analyzed in the year of 2016. This calculations has been given in appendix, this study depict that the performance of the Wan Hai Shipping limited is quite better than the performance of Evergreen Marine Corporation in terms of profitability whereas in terms of liquidity, Wan Hai is required to reduce the level of liquidity. Further, the solvency and efficiency position of the company depict that both the companies are performing average. Investment recommendation and Conclusion: Through the above calculations, it has been found that the both the companies are facing many issues due to various external issues, still, the performance of WAN Hai Shipping is better than the Evergreen Marine corporation and thus it is required by the investors that either they should not invest into both the companies or if it is required than Wan Hai limited is a better option. References: Bartram, S. M., Brown, G. W., Fehle, F. R. 2009. International evidence on financial derivatives usage. Financial management, 38(1), 185-206. Brammer, S., Brooks, C., Pavelin, S. 2006. Corporate social performance and stock returns: UK evidence from disaggregate measures. Financial management, 35(3), 97-116. Brigham, E. F., Houston, J. F. 2012. Fundamentals of financial management. Cengage Learning. Evergreen Marine. 2017. Home. Retrieved from https://www.evergreen-marine.com/ available on 16th Sept 2017 Fletcher, J Growing, D 1979, Effective writing for accountants, The Institute of Chartered Accountants in England and Wales, London. Thomas, C, Lyons, K, Chen, P Pugh, J 2008, Financial Resource Management, Study Guide, Department of Maritime and Logistics Management, Australian Maritime College, Launceston, p.3.11. Morning star. 2017. Evergreen Marine. Retrieved from https://financials.morningstar.com/income-statement/is.html?t=EGMAregion=gbrculture=en-US available on 16th Sept 2017 Morning star. 2017. Wan Hai Limited. Retrieved from https://financials.morningstar.com/cash-flow/cf.html?t=2615region=twnculture=en-US available on 16th Sept 2017 cal, M. E., Oral, E. L., Erdis, E., Vural, G. 2007. Industry financial ratiosapplication of factor analysis in Turkish construction industry. Building and Environment, 42(1), 385-392. Shapiro, A. C. 2008. Multinational financial management. John Wiley Sons. Van Horne, J. C., Wachowicz, J. M.2008. Fundamentals of financial management. Pearson Education. Wan Hai Shipping, 2017. Home. Retrieved from https://www.wanhai.com/views/Main.xhtml available on 16th Sept 2017 White, G. L., Sondh, A. C., Fried, D. 2005. Analysis of Financial Statement. Analysis.