Stock Vs. Bonds Essay Example | Topics and Well Written Essays - 1500 words

Stock Vs. Bonds - Essay Example However, before delving further into this economic argument it is best to, first of all, understand the definition and composition entailed in the term ‘risk.’ This is because there has been a general misconception and understanding of the term ‘risk’ more so among long-term investors. In this regard, much of the literature regarding the term ‘risk’ is misconstrued and totally misleading to long-term investors. This is somewhat due to the over-reliance and stressing on ‘short-term volatility’ (Nicholson, & Snyder, 2009). According to the definition generally accepted by the investment community and long-term investors, the risk is regarded as the volatility return accrued from an investment in the short term of daily, annual or monthly. Evidently, the measurement of the volatility of returns is either by standard deviation or variance. From this perspective, the definition offered is flawed in relation to a long-term investor for two reasons. Foremost, the conclusions and analysis drawn are reliant on nominal returns while blatantly paying no attention to the erosion of purchasing power instigated by inflation (Nicholson, & Snyder, 2009). In the case of investors in the short term, inflation is not a significant concern but of high impact during the long-term. The second flaw is that the conclusions and analysis drew more than often place an emphasis on the volatility of daily, monthly or annual returns. In the case of many investors, a focus that is based annually maybe more appropriate. However, fo r long-term investors, their concerns should me mostly focused on risks consistent with their long-term wealth parameters and not basically focused on the short-term pitfall along the way (Nicholson, & Snyder, 2009). Evidently, stocks provide higher return potential when compared to bonds. However, they accrue a greater volatility in the process. The major questions arising from this percent are; why do stocks produce more returns when compared to bonds?

BRJ SUMMARY Essay Example | Topics and Well Written Essays - 1500 words

BRJ SUMMARY - Essay Example ALJCI today have various programs under the below mentioned categories- Art and Cultural Initiatives Education and Training Health & Social Programs Job Creation Poverty Allevation ALJCI functions majorly in Middle East countries apart from London, Turkey, Bangladesh and USA. Some of the major programs currently in operation are: Abdul Latif Jameel Toyota Endowed Scholarship – USA Al Nada Center for Social Care – Hail – Saudi Arabia ALJ Hospital – Saudi Arabia BRJ - Saudi Arabia BRJ Turkiye – Turkey Family Day Initiative for Prisoners – Middle East Grameen Jameel for poverty allevation – Middle East Jameel Gallery of Islamic Art – London Prince Salman Disability Research Center – Middle East Tanweer - Orphans Supporting Initiative – Middle East BRJ Program – Introduction ALJCI’s one of the major intiative is Bab Rizq Jameel (BRJ). This program directly focuses on job creation in Saudia Arabia. This pr ogram helps in transforming females from aid receivers to producers in Saudi society (BRJ, 2009 p 17). BRJ BRJ is considered to be one of 3 programs subsumed under the ALJCSI. The number of BRJ branches increased to 18 throughout the Kingdom (BRJ, 2010 p 3). There is an increase of 27% in job creation in 2009 which is more than 41,284 jobs when compared to 30,115 jobs created in 2008. The total jobs created reached by ALJCSP reached 113,855 in the year 2009 (Appendix 1). Given the rising and already high unemployment rates amongst women in Saudi which touched 19% in 2009 up from 13% in 2008 (ILO), BRJ was created to tackle the pressing issue of poverty caused by these high unemployment. BRJ mainly aims at creating job opportunities for young females and males through the following diversified programs: 1. Direct employment program: It mainly matches job seekers directly to vacancies in the private sector companies. In 2009 the program created 7,493 jobs of which 4,074 for males and 3,419 for females which is 11:9 ratio (BRJ, 2010 p 7). 2. Training ending with employment program: It focuses on vocational and craft training in areas required by the job market, and ends with employment of females and males, in the age group of 18-25 years, in companies within the private sector companies. In 2009, the program created 2,825 new jobs throughout the Kingdom and several training programs were conducted for both females and males (BRJ, 2010 p 7). Examples of training ending with employment courses include: For males: hotel services, cable-laying technician, restaurant services For females only: nursing assistant, make-up technician For both males and females: cashier, on-phone customer services, photography technician, nursing assistant, medical secretary However, BRJ job creation efforts are not limited to employment or training ending with employment, but they expand to include the following programs: A. Small Projects Program: This program finances owners of small projects through interest-free loans up to SR 200,000 which is equivalent to ?35,000 (Qard Hassan, zero-return loan for both males and females). In 2009 5,110 small projects have been financed which includes medical clinics, bakeries, female student transportation vehicles, sheep sales, sales of electronic appliances, vegetable and fruits, design and decor, etc. Repayment percentages in the above projects reached 97%

Capital Market Efficiency Hypotheses Observations in Croatia Essay

Capital Market Efficiency Hypotheses Observations in Croatia - Essay Example Jordon (1983. pp1325-1327) proved that efficient market hypotheses cannot be viewed from the ideal perspective whereby the signals (of internal information) and the corresponding return on assets need not be normal if the dimension of signal space is larger for a smaller number of assets. In such cases, the researcher argued that the market equilibrium is generally inconsistent with the efficient market hypotheses. If investors are risk neutral, the equilibrium price of each asset can be equal to its expected returns. However, investors do have risk aversion – in the form of relative risk aversion and constant risk aversion. Each signal, when known to the investors adds to the risk perception thus affecting the return from the asset – positively or negatively – depending upon how the signal has been perceived. Beaver (1981. pp23-26) described the phenomenon of â€Å"incomplete markets† whereby the expectations are formed on future prices based on informal signals and the equilibrium is characterized as dependent upon these expectations that have formed from the informal signals. In growth times (bull markets) or during uncertainty (bear markets) the polarity of the signals automatically changes as a result of relative risk aversion of the investors. Hence, during bull markets, even the companies not rated high may still enjoy a rally and during bear markets, even the best-performing companies may suffer crash of security prices.  

How do you define success Essay Example | Topics and Well Written Essays - 250 words - 1

How do you define success - Essay Example Irrespective of the ethical value of goals, achievement is referred to as success, but only in the individual’s own viewpoint. Hence, success can be defined as attainment of objectives. However, this definition pertains only to an individual’s personal viewpoint about the results of his/her efforts. People have their own standards of rendering an individual’s attainment of his/her objectives successful. The world regards ethics and morality. Therefore, people whose achievements induce positive changes in the world in any way are considered successful by people. On the contrary, people deem an individual’s efforts as failure if the individual attains his/her goals but they cause negative changes in the world. â€Å"Hitler succeeded in storming across Europe, Napoleon succeeded too, Al Capone, Sam Giancanna, John Gotti, and others succeeded in becoming crime king pins. Stalin succeeded in murdering millions of his own people† (â€Å"Affirmations for Radical Success†). Not all of these people are considered successful

Single Mother Upbrings her Child Case Study Example | Topics and Well Written Essays - 3250 words

Single Mother Upbrings her Child - Case Study Example She is a high school graduate, with no college or vocational training. As a result, her jobs have always been minimum wage, unskilled jobs. Currently, she is employed as an inventory clerk in a building supplies warehouse. She has fairly good benefits at this job, including some health insurance for herself and her child. An incident happened approximately a week ago; Amy picked her daughter up at day care after work and she needed to stop at the grocery store before going home. While at the grocery, Angie was misbehaving and was taking items off the shelf and putting them into the cart. Despite several verbal reprimands, Angie continued to disobey her mother. Amy then slapped Angie’s hands making her to begin wailing thus attracting the attention of several customers in the store. After purchasing her groceries, Amy pushed Angie to her car. As she was putting Angie into her car seat, she noticed something protruding from one of the pockets of Angie’s dress. When she pu lled it out, she realized that Angie had taken candy bars and gum from the shelves next to the checkout line and put them in her pockets. Amy wanted to make sure that her daughter understood that taking things without paying for them is wrong as it amounted to stealing. So, she shook her several times, slapped her hands, and then put her hand over Angie’s mouth when she began screaming. Angie then bit her mother’s hand, prompting her to instinctively slap her across the face. Even though she did not mean to hurt her, everything was happening very fast. Angie suddenly became very quiet, so Amy shut the backdoor to the car and drove home. After 10 minutes of driving, she realized that she had not heard from Angie since they left the store parking lot prompting her to glance in the back seat where Angie appeared asleep. Upon arriving home, she realized that Angie was unconscious, not asleep. She then took Angie to the house and tried to wake her up but to no avail. She pa nicked and called 911. When the ambulance arrived, she gave an explanation to the paramedics that Angie had fallen and must have hit her head against something. Angie was initially admitted to the hospital for observation, but she remains there still with a possibility of a concussion or fractured skull. Legal Issues 1. Can Amy be arrested for child abuse if someone had found out that she had hit Angie the previous night in the parking lot of the grocery store and reported to the police? Also, since Angie has not gotten better, Amy is afraid that if the hospital finds out she hit Angie, they may report her to the police and yet she never intended to hurt her daughter, and she was just disciplining her. 2. Can Amy be answerable for child abuse on the basis of giving false information (about the incident at the parking lot) to the hospital staff, since Angie is not getting better after Amy said that Angie hit her head and yet the doctors suspect that Angie may be suffering from a skul l fracture or a concussion? 3. Can Amy loose child custody to Angie’s father whom they have not been in communication with for the past two years since their daughter is in hospital and she is frightened that someone might contact Angie’s father especially if she is arrested for child abuse? Non- Legal Issue 1. Is Amy in need of counseling as pertains to her anger management strategies, disciplining initiatives, and effects of alcohol abuse in parenting since she had been drinking with her friends that night before she picked Angie? Discussion Amy can be arrested for child abuse Child abuse is defined as mental and physical injury, negligent treatment of the child or exploitation and also inculcates sexual abuse of a child.

Terrorism and Its Indirect Victims Essay Example | Topics and Well Written Essays - 750 words

Terrorism and Its Indirect Victims - Essay Example Of course, we can't forget the many police, firefighters, and other people on the streets who were buried in rubble or hit with falling bricks or other types of debris. All of these describe the direct victims are a terrorist attack, those who were killed or maimed. In the bombing of the Oklahoma City Federal Building, we find many direct victims as well, though these numbers were nowhere near the thousands who lost their lives when the two planes crashed into the World Trade Center Twin Towers. It is not difficult to understand and visualize these victims and what the direct effect was on them from these attacks. These are the direct victims; those who suffered death or severe injury from a terrorist attack. On the other end of the scope, there are the indirect victims. Who or what are these indirect victims The first one that comes to mind for anyone is the families of the direct victims: wives, children, parents, other relatives, and friends. These are the ones who suffer, being without a loved one on which they depended either emotionally or financially. Additionally, according to a review published October 4, 2001 by InView (http://www.newss.ksu.edu/WEB/News/InView/100401terrorism.html), the psychological effects of the terrorist attacks on the World Trade Center will last for quite a long time. "There will be a lot of people who will suffer from post-traumatic stress disorder. We saw it with the Oklahoma City bombing and those who were in Vietnam," Rappoport said. "Some people will not recover too well and the emotional damage will be permanent (Paragraph 5)." The indirect effects of terrorism can often be worse than the direct effects, The victim, if he or she survives, recovers from the physical injuries, but the emotional damage, a indirect result of the attack, is likely to continue for many years. For those victims who have lost their lives, as the many during the attacks on the World Trade Center, the psychological damage to their loved ones will continue for many years to come. The loved ones are going to have to continue without the presence of the person who was directly affected by the terrorist attack, and that is going to be a difficult task to accomplish. For the wives and children, the effects will be more long term because suddenly one woman must become both mother and father when her psychological well-being is not at its highest peak. The hardest part is that it's not going to go away like it does during an auto accident; these are events the family and children will face on a daily basis. It is likely that both the Oklaho ma City Bombings and the attacks on the World Trade Center are events that later generations will be reading in their Social Studies and History classes. What about the terrorists Can we classify them as victims as well Certainly, they are responsible for a horrendous act of violence, but at the same time, it may not always be of their own free will. An article from the April 2005 ChronWatch and published on the Internet (http://www.newss.ksu.edu/WEB/News/InView/100401terrorism.html, "Why Good Muslims Become Terrorists") explains the effect that a belief in Islam has on its people. These excerpts from the original article written by Ali Sina explains that it is not the Muslims

Lending Situation paper Term Example | Topics and Well Written Essays - 750 words

Lending Situation - Term Paper Example As it looks, the company is currently struggling in the market since the margins reflected in the last financial records show that it made a profit of only $275,000 the previous year. It is even more worrying to learn that there was a drop in the company’s revenues from the previous year (6,150,000 to 5,200,000); an indication that the company’s revenues have been declining over the years. It is also clear that this decline is majorly attributed to the fact that the company is still operating on the traditional old ways of print media while the current world is shifting to the digital media. Indications are that the company is competing with other major producers which give the company a stiff competition in the market. For the construction of the new plant to take place, it will need a duration of 12 months to be completed which is a long time since during this period there will be no increase in production and the company will therefore have to rely only on the already depreciating revenues from the old press. On the positive end, Mr. Harvey’s plan seems to be a well thought out investment to salvage the company from declining; it is a promising kind of investment since this is where the market trend is heading to. With the establishment of the new plant, he will be able to maintain and even increase company’s market share. This will tremendously increase the revenue base of the company. The company is well located in the suburbs where there is availability of labour required in the plant. An area of 150 miles is a large area dominated by the company and focusing on this market will give the company good revenue. It is also important to note that Mr. Harvey is not abandoning the printing altogether because there will always be a need for print media even with the shift in technology. This will provide continuous income to the company. As pointed out by Ahlers, print media in the form of books, magazines, newspapers will