Saturday, May 16, 2020
Sample details Pages: 7 Words: 2073 Downloads: 7 Date added: 2017/06/26 Category Finance Essay Type Narrative essay Did you like this example? The proposals broad-area-of-study is financial performance within Management accounting and strategy. The notion will examine the association/relationship among the works of intellectual-capital (structural-capital and human-capital) and financial and non-financial performance in financial service industry (intermediary) in developed-country within foreign branch/foreign establishment in international/multinational companies. The motivation behind this research is recognizing core elements/ variables to control/restrict/limit (for future organization) thus are most responsible to transfer crunch/ bankruptcy cause leapt of great depression/ recession to sustain and retain the advent of globalization. DonÃ¢â¬â¢t waste time! Our writers will create an original "US Lehman Brothers Mortgage Company" essay for you Create order The roots of research are global financial crisis 2007 and 2008, has passed through various stages exposed pervasive weaknesses in global financial system and regulatory frame work in financial service industry which created negative impact/image of globalization and international /multinational financial companies among public and within firms/country boundary. The specific/narrow focus of research is to choose one (single business such as mortgage loan or treasury) of bankrupt international /multinational financial firm (such as Lehman Brothers, Fannie Mae and Freddie Mac and many more*) to analyze. Additionally the studys contribution to extract literature to resist, control and limit expansion/ further financial disaster for developed and developing countries in term of maintaining respected economy of country. Research questions and aim of study The aim of study is to explore and examine of intellectual capital and performance quality/measurement such as financial and non-financial in bankrupt financial service company (i.e Lehman) though they seek out a reliable relationship in business performance, that tend to expose the pervasive weakness in this financial system and regulatory frame work. Additionally find how to rescue strong foreign branches from catastrophe to limit financial crisis with countrys boundary to prolong and save the allure/benefits of globalization for to maintain confidence of future potential investor and financial corporations. The research questions that the study would explore are; Was the Lehman strategy effective to carry business? If so, what was the blunder/ritual they made/feel by intellectual capital to gain more profit? Was a Lehman Brothers evaluating its intellectual capital? If so, how can they do it? Was there flaw to continue? If not, can a model for evaluating intellectual capital be developed? Was there an optimal mix of intellectual capital components? Were they evaluating their financial performance? If so, how? What factors contribute to performance? Is there relationship between the components of intellectual capital and financial performance in Lehmen Brothers? How might the current methods of measuring intellectual capital and business performance be improved? Does culture impact on measuring intellectual capital and management? Can we limit the financial crisis within countrys boundary to rescue foreign branch/establishment? If so, what are variable to restrict to limit crisis? Background and motivation Some of the formal/Official economic data presented that extensive number of nations bearing recession as of early 2009. First of all US had suffered recession at the end of 2007, and 2008 and many other nations swallow the effect. United States recession: In the United States recession notably throw by housing market correction (a potential effect of United States housing bubble) and subprime mortgage crisis. According to 2008/2009 recession is considering personal spending fall for the first time in last 20 years. It specifies the intensity and harshness of the current recession as shown lower consumer confidence and recovery acquire in long period of time. U.S. population has been tough knock by the current recession because of two reasons 01. Value of houses was falling and 02. Personal pension-savings devastate on the financial market. The individuals were helpless gazed at their wealth being furrowed along with scare of losing jobs as marked by rise in unemployment rate. In the U.S. February 2008, 63,000 jobs discarded in five years. On April 6, 2008 Alan Greenspan, Ex-chairman of Federal Reserve indicated 50% probability of US suffer recession. Furthermore The Bureau of Economic Analysis also accounted more 156,000 jobs had been vanished in September. On April 29, 2008, Moodys acclaimed that nine US states are in recession. In November 2008 company eradicate 533,000 jobs, the largest single month hammering in 34 years. As to accumulate the loss for 2008, a projected 2.6 million U.S. jobs were abolished. In March 2009 the unemployment rate of US rise to 8.5 percent, and 5.1 million people become job less since the recession commenced in December 2007. Some analysts acknowledged that due to a prolonged credit crisis and wild inflation in supplies such as oil, food and steel, the United States was however in a recession. Also showed 6.4% cry off decline in spending all through Q3 on non-durable commodities, i.e. garments and foodstuff, this is biggest hit since 1950. The United Stated had been suffering from a recession (once economy boomed), depend on a number of economic indicators such as job sufferers, sharp turn down in personal income, and drop in real GDP. With the formal acclamation o f The National Bureau of Economic Research and Most of economists assumed that the recession have ended. But they had not made this official determination until July 2003 that the NBER publicize its official determination. Effect over world: The United States financial crisis has resounded around the globe. The crisis not only weakened the US national economy but also spoiling around the world i.e fall of stock price can been observed globally. The various media highlighted effects over other countries economy i.e New Delhi news pointed towards the effect over India, China, and Russia. The newsweek.com making US responsible for China, Mexico, France, Britain, South Korea, Germany, Beijing and Japan. In Australia, share holders and superannuation funds have suffered significant losses. Many ordinary Australians will be forced to bear the brunt of the US crisis via diminished retirement income and being forced to work beyond their planned retirement age. An other Literature referring ten countries suffering by United States financial crisis: including China, Brazil; Latin American, Romania, Thailand, North Korea, Iran, Malaysia, Morocco and The United Arab Emirates for various reasons but all they one thing comm on is connectivity of Business and business market. Fall of Lehman Brothers The fall down of the Lehman Brothers is one of the most unpredictable and adverse consequences of the global financial crisis. When on 15 September 2008, the company submitted for relief under Bankruptcy Code (Chapter 11). The journey of 158 years comes to end, started from Two cotton brokers in Montgomery, Ala established the bank in 1850, then steadily developed and after civil war Lehman banks headquarters shifted to New York City with a new name Lehman Brothers Holdings Inc. and gripe over the globe facilitating regional headquarters mainly in Tokyo and London. In the life of 158 years, the Lehman Holdings Inc. provided quality services in financial market in different sectors investment, private banking, equity, research, fixed-income sales, management and private equity. It was the fourth largest US investment bank with a record of over 158 years and a perennial credit rating of A or above. Every body shocked when they heard such news a bank of these standings collap sed overnight, taking with it the loss of the market liquidity. On September 15, 2008 Lehman Brothers Holdings, Inc. including Lehman Holdings and its subsidiaries commence Chapter 11 bankruptcy at US Court of Southern District New York with the loss of roughly $768 billion and assets worth around $639 billion, become biggest bankruptcy in US history. The unexpected fall down of the Lehman Brothers has originated not only suffering among local and global investors, but also created extensive anxiety in the general public particularly regarding confidence over financial investments and its aggravates the public how to anticipated length of life regarding future investments. Condition of foreign subsidiary/branches/establishment Sixteen Distributing Banks of Lehman Brothers Minibonds announce that they are offering investors a scheme for the repurchase of Minibonds. The bankruptcy of Lehman wounded its foreign subsidiaries such as UKs subsidiary with the PricewaterhouseCoopers, Lehman Brothers International (Europe), Lehman Holdings principal European broker-dealer. Moreover, two Japanese subsidiaries of Lehman Holdings submitted bankruptcy in District Court of Tokyo for Ã ¥4 trillion ($38 billion) in mutual liabilities, this is considered as the countrys second-largest crumple since World War II. For that reason the Tokyo Stock Exchange and Japans Financial Services Agency have ordered Lehman to postpone its Japanese operations and the firm will only be allowed to deal to accomplish existing contracts and to convalesce client assets. Further, Lehman has ended to trade on the Hong Kong Securities Exchange and the Hong Kong Futures Exchange until further notice. It is also created a tragedy in UK Lehman employees about 5000 were jobless. Such conditions created throbbing and impious ambiance for public in terms of creating anxiety, unemployment, inflation that can cause obstacle in way of life. Methodology The literature can be identified a variety of research methodologies that are used (interview, questionnaire, survey of annual reports, focus groups) to evaluate intellectual capital. Interviews and questionnaires were often used to supplement each other. Given this background I projected to use a triangulated approach drawing on qualitative and quantitative research methods. The ultimate objective could be a qualitative score or index that can be manipulated, however the process of building the index would require that components of intellectual capital be measured and valued and this is often a highly subjective exercise requiring input from several diverse perspectives. The steps that would be taken would include a series of qualitative interviews to identify the components of intellectual capital that are applicable to financial firm. Using the information provided from the interviews together with indicators develop a set of constructs that would be incorporated into a ques tionnaire using a point scale. This questionnaire that would be used to evaluate intellectual capital would consist of statements that intend to operationally and reflect the constructs mentioned. In addition, these statements would be weighted according to their importance and relevance for optimizing the value creating activities in the financial corporations. This questionnaire would be piloted, refined and administered. The data would be recoded to reflect scores and indices using some form of weighting according to their relative importance. The proposed indices would be presented to a range of stakeholders for comments and refinement. Data from the Lehman Brothers on organizational performance both financial and operational would be collected. The data on performance measures would be cross-referenced to data from a number of financial agencies for establishing benchmarks. Also, data collected from a strong/healthy foreign branch/establishment to find out indifferent str uctural framework, policy if they do carried to way-out to rescue future occurrence. Purpose of Study is qualitative and quantitative falling in both categories exploratory and descriptive study because some issue like intellectual-capital-relationship in financial firms has no available information on how similar problems or research issue had been solved in the past? and also descriptive nature because of quantitative data measurement i.e. financial-business-performance. Type of Investigation this is co-relational study because multiple factors that influence one and other the problem in a chainlike fashion. Therefore it is require identifying crucial factors, which are associated with the problem. Study Setting as described above the study is co-relational therefore study can be done in natural environment where the works precede normally as field study so this is non-contrived setting. The concern is that our unit of analysis is no more exist and had bankrupt. Unit o f analysis refer to the level of aggregation of the data collected during the subsequent data analysis stage. The research main unit of analysis is organization (such as to examine organizational performance as a whole), Secondly the individual (to analyze intellectual capital) and minor the group the division (to cope with cultural and foreign branches/establishment). Time Horizon of our research is can be cross-sectional in determining performance perspectives, and longitudinal in subject of studying people behavior. Conclusion The contribution that this research should make to extract literature to resist, control and limit expansion/ further financial disaster for developed and developing countries in term of maintaining respected economy of their country and way-out to rescue strong foreign branches from catastrophe to limit financial crisis with countrys boundary to prolong and save the allure/benefits of globalization for to maintain confidence of future potential investor and financial corporations. Additionally, this research finding should also assist them in their recruiting of personnel, acquisition of fixed assets and deployment of other resources to ensure that they are competitive and ensure secure ways to do business. This research should also contribute to the extant literature by providing a model for evaluating intellectual capital in the financial industry as well as on the appropriate mix of people, technology and physical assets in the organisation.
Wednesday, May 6, 2020
It is important for a counselor to proper an action plan to overcome barriers for the client during treatment. Counseling is not about taking and not taking the proper actions. When a client is having barriers it is very important for the counselor to identify those barriers and set an action plan to help client overcome the obstacles. The counselor should identify the principles for a well action plan, discuss barriers that a client might encounter, outline intervention that will help with the barriers, list of community resources that will help client if need it and outlined aftercare plan when treatment is over. The principles for effective implementing an action plan The principle for effective action plan is when the counselorÃ¢â¬ ¦show more contentÃ¢â¬ ¦For example, Tammy does not trust on men because in the past she has been cheated and has a trust issue. She wants to work on her goal to trust on men but she noticed that there will be a lack of time due to her ability with school and work. Another barrier that a client might interfere is lack of motivation. For instance, Tammy lost the motivation to date men because she noticed all the men are liars and they are not real. She has lost her motivation and is not interesting on working on the goal. A client that is suffering from obesity might have a barrier with poor body image. They do not believe they can lose weight because they have failed many times. Another barrier is support; the client might not have the support that is need it. For example the client has social skills issues and does not like to talk to anyone and only has a support of her counselor. Lastly, a person that is s uffering from guilt does not think they will be able accomplish their goal. For instance, Anna has guilt that her husband divorces her because she did not fic her personal problems and got in between with her marriage. Counselor intervention that would help to overcome each barrier The counselor intervention that would help the client overcome each barrier is helping client plan out their schedule. The counselor will sit down with the client and organize and prioritizeShow MoreRelatedUnderstanding Literacy, And Health Literacy1665 Words Ã |Ã 7 PagesUnderstanding Literacy, and Health Literacy An understanding of literacy, and health literacy is crucial to understand their impact on client health outcomes. Further, a nurseÃ¢â¬â¢s ability to better educate clients lies in his or her understanding of these terms. 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Tuesday, May 5, 2020
IÃ¢â¬â¢ve been home from school for an hour, relaxing and trying to relieve my brain of the beating it just took from the eighth grade curriculum. Although nothing of great importance has transpired between my father and I since IÃ¢â¬â¢ve been home, something has just crossed his mind and has sparked a need for an urgent and imperative discussion with me. I wait before his intimidating frame and finally hear him deliver that perpetual maxim IÃ¢â¬â¢ve grown to hate: Ã¢â¬Å"DonÃ¢â¬â¢t be a coulda-woulda-shoulda!Ã¢â¬ . These unprompted instructions from my father had become a staple in my life for the past couple of years, and I was finally beginning to understand his logic: He saw potential for success in me, and he wanted me to know it. Although I knew his intentions, I didnÃ¢â¬â¢t quite know how to go about enacting this principal in my own life. Not succumbing to Ã¢â¬Å"coulda-shoulda-wouldaÃ¢â¬ status appeared to me as doing the best I could possibly do in all aspec ts of my life, a foreign concept for an impulsive 13 year old. We will write a custom essay sample on Coulda-Woulda-Shoulda or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Sacrificing my boyhood doing school work and bettering my musicianship and athletic performance seemed difficult. This time utilized playing endless hours of video games or aimlessly going to McDonaldÃ¢â¬â¢s with my friends seemed more important to me. But what my father made me understand was that taking pride in my passions and investing complete and undivided effort into them, especially in this important maturation period, was an important aspect of life. He did not want me to regret later on in my life what might have happened if I changed my actions. Through my dadÃ¢â¬â¢s teachings, I began to apply his concept in all facets of my being. His words created a mindset in me that success did not come without sacrifice, and I tried to emulate it. Through completing extra problems to understand a concept in math, utilizing my lunch period to practice a new piece that I couldnÃ¢â¬â¢t play well, or skipping a team get-together to work on my quickness, I began developing a new s et of personality traits that would change my entire outlook on life. The responsibility that comes along with sacrifice, the dedication that came along with extended investment of time to reach a goal, and the pride attained when the goal is completed all contributed to my new attitude. The characteristics gained through my fatherÃ¢â¬â¢s influence are a part of me that will be forever present. I now know for sure that there is nothing I could have, should have, or would have done to better myself as a person in my life. Perhaps the greatest impact of his words is the insight I now have on these concepts that I can impart to others, such as my siblings and friends. The similar values we share regarding responsibility and work ethic make for strong, enjoyable relationships. As a result of this, my fatherÃ¢â¬â¢s impact goes far beyond the influence he had on my life. Without his guidance, IÃ¢â¬â¢d be meandering to McDonaldÃ¢â¬â¢s right about now.
Thursday, April 16, 2020
The Catcher in the Rye - Foreshadowing The use of forshadowing in a novel can help it's reader get a sense of what is to come in the story without giving away the events themselves. It is a powerful tool which prevents events from being left unexplained, leaving the reader question the effectivness of an outcome. The eventual breakdown of the character Holden Caufield in J.D. Salinger's controversial 1945 novel "The Catcher in the Rye" was foreshadowed in the early chapters of the book. The first clue is his negative approach to life. He begins by talking about his "lousy childhood" (p.1) and the first traces of profanity can be seen scattered about the page in the form of "crap", "hell" and "goddam". Holden's first sign of distrust comes when he speaks to Ward Stradlater about his date with Jane Gallagher: "Listen. Give my regards, willya?" "Okay," Stradlater said, but I knew he probably wouldn't... "Ask her if she still keeps all her kings in the back row." "Okay," Stradlater said, but I knew he wouldn't. (p.33-34) This is seen again when he doesn't trust Stradlater to stop his advances of Jane in the case that she says no. Holden gives up his faith in people to trust him when he boards a bus holding a snowball. The driver refuses to believe that Holden won't throw the snowball so he draws the conclusion that "People never believe you." (p.37). He is also always placing labels upon people as being "phonies" which gives the reader the idea that Holden thinks that others are materialistic. Holdens attempts to protect the innocence in the world is another early sign of his deteriorating state. When Holden goes to Pheobe's school to deliver his note he sees some swearing of the wall which he says "drove me damn near crazy" (p.201). He wipes the words from the wall in an attempt to prevent the inevitable from occuring, leading the reader to believe that he may experience some mental unstability in the future. Eventually he comes to the realization that he can't rub all the profanity away himself. Another example of Holden's attempt to shelter innocence is the fact that he never does call Jane, possibly for fear that she will scar his memories of her as an innocent child. The title of this novel presents this theme to the reader in that Holden wants to be "the catcher in the rye" (p. ) so he can catch all of the children that sway to close to the edge of a cliff in thier play. Perhaps the most obvious example of foreshadowing in the novel occurs when his parents come close to having him "phsycoanalyzed and all" (p.39) when he breaks all the windows in the garage. Throughout the novel he refers to himself as "a madman" (p.79) which gives the reader the idea that he sees himself as having a sort of mental problem. These two peices of evidence alone present a fairly firm idea of what will happen to Holden towards the end of the story. The use of foreshadowing is evident in the novel "The Catcher in the Rye". It does it's job well in that it foretells the outcome of Holdens many problems and gives reason for it. The eventual breakdown of Holden is not startling to the reader because of the authors use of foreshadowing and therefore it is effective.
Friday, March 13, 2020
Apes essays In ordinary life, animals arent given human like characteristics. In Planet of the Apes, by William T. Quick, the apes are personified as humans in many ways. First, the apes are able to walk on two legs. Another way they are humanized is because the apes have a well-rounded army. Lastly, the apes have feelings and sympathy. These are some of the many ways that the apes are characterized as humans. One way the apes are human like is that they walk on two feet. When Davidson (the protagonist) crashes on a mysterious planet, he finds himself in the midst of a stampede of what appears to be humans, who are being pursued by what appear to be apes, who are running on two feet. After this he is then caught and then put into jail or some sort of slave type establishment. In this jail, apes, outside the jail bars, surround him. They all are walking on two feet. Another way is that apes have an army. The army is lead by General Thade, and his second hand man, Attar. They do not salute in this army; they hit each others chests. They have specific commands as like any other army in the world. Some commands listed in the novel were, Send the 1st line, March, and finally About face. The last way I said they were human like was that all of the apes had feelings, and some of the apes felt sympathy. Krull, the ape who was in cahoots with Davidson, must of felt sorry for him and his kind, because he was helping him rebel against the all of the other sadistically minded apes. Both Krull and Ari, an ape that was attracted to Davidson since they met, felt sympathy towards the human race on this strange planet. This novel has apes personified, as humans in many ways. Like walking, having an army, and feeling and having sympathy. All of these characteristics the apes have are very abnormal and unheard of for animals. ...
Tuesday, February 25, 2020
David Cole Interviews Dr. Franciszek Piper - Essay Example Piper says that the gas chamber in question was in fact modified, as it was a gas chamber but later turned into an air-raid shelter. This is the cause for the building of new walls, a new door and the removal of the holes in the ceiling. The question remains as to why these changes in the gas chamber are hidden from the public when in the past, this story was punishable and punished by the law. In the gas chambers of Auschwitz-Birkenau, there are little traces of Zyklon-B residues, which were found by two separate tests. Both found that only one gas chamber had traces of Zyklon-B gas, the delousing chamber that was off the charts, while the remainder of the chambers in question, which were the homicidal ones, did not. When Cole asked Dr. Piper about this, Dr. Piper claimed that the delousing chamber was used Ã¢â¬Å"day and nightÃ¢â¬ whereas the homicidal chambers were used Ã¢â¬Å"20, 30 minutes a day.Ã¢â¬ claims were made that Zyklon-B was primarily used for disinfection, which is odd considering the desire of the Nazis that these encamped people be destroyed, their health status unimportant. Another story that is in question is the human soap question submitted by a sample of human soap by the Soviets during the Nuremberg trials. Dr. Piper still believes this story, although there is no proof to support it. David Cole has successfully proved that genuine artifacts have been reconstructed to appear real to unsuspecting visitors. This Soviet deception was propagandized because of the lack of trust and allied support of the Soviet Union with the other Allied Forces of the time. This propaganda on all sides was only able to become Ã¢â¬ËtruthÃ¢â¬â¢ because of the victory of the Allies over Nazi Germany.
Sunday, February 9, 2020
War on terrorism - Essay Example Terrorism has been defined as the indiscriminate use of tactics like bombings, shootings, and kidnappings against unarmed civilians to achieve ideological and political goals. Terrorism traditionally was considered to be localized as a tactic used by insurgent or paramilitaryThe September 11 terrorist attacks on the World Trade Center and Pentagon changed the nature and threat of terrorism. The attacks of 9/11 brought a dangerous phenomenon by which small cells of determined religious and fundamentalistThe United States launched the Ã¢â¬Å"War on TerrorismÃ¢â¬ as a response to the events of 9/11. These operations were initiated and instigated with the purpose of smashing the command and control centers of insurgent groups, disrupt their logistics, wipe out their training camps and sanctuaries, kill or capture terrorist leaders and their followers. This research paper provides an in depth analysis and examination of the activities which have been launched as part of the war on terr orism. It also scrutinizes the shortcomings and defects of the policies initiated by the American government.Global terrorism fueled and instigated by Al Qaeda remains a potential threat to the security of the United States and its allies. Al Qaeda is the code name used for a number of Islamic fundamentalist organizations that seek to overthrow the pro Western governments in the Islamic World, liberate Palestine, and unite the Islamic world.