Finance - 8044 Words

CHAPTER NO. | TOPIC | PAGE NO. | CHAPTER 1 | INTRODUCTION | 2 | CHAPTER 2 | STRUCTURE OF FINANCIAL SYSTEM | 5 | CHAPTER 3 | BANKS | 10 | CHAPTER 4 | INSURANCE | 14 | CHAPTER 5 | OTHER FINANCIAL SERVICES | 17 | CHAPTER 6 | STOCK MARKETS | 18 | CHAPTER 7 | MUTUAL FUNDS | 22 | CHAPTER 8 | DEBT MARKET | 24 | CHAPTER 9 | INNOVATIVE FINANCIAL INSTRUMENTS | 26 | CHAPTER 10 | FUNDAMENTAL OF FINANCIAL SERVICE | 30 | CHAPTER 11 | FINANCIAL SERVICE THEORIES | 31 | CHAPTER 12 | CAUSES OF FINANCIAL INNOVATIONS | 32 | CHAPTER 13 | EMERGING FUNCTIONS IN MARKETING OF FINANCIAL SERVICE | 34 | CHAPTER 14 | PORTFOLIO MANAGEMENT | 36 | CHAPTER 15 | CONCLUSION | 38 | CHAPTER 16 | BIBLIOGRAPHY | 39 | INDEX 1. INTRODUCTION†¦show more content†¦Sectors such as banking, asset management and brokerage have been liberalised to allow private sector involvement, which has contributed to the development and modernisation of the financial services sector. This is particularly evident in the non-banking financial services sector, such as equities, derivatives and commodities brokerage, residential mortgage and insurance services, where new products and expanding delivery channels have helped these sectors achieve high growth rates SOME OF THE SIGNIFICANT FACTORS ARE AS FOLLOWS: 1. Excessive controls in the form of regulations of interest rates, money rates. 2. Too many controls over the prices of securities under the erstwhile controller of capital issues 3. Non-availability of financial instruments on a large scale as well as on different varieties. 4. Absence of independent credit rating and credit research agencies. 5. Strict regulation of the foreign exchange market with too many restrictions on foreign investment in Indian companies. 6. Lack of information about international developments in the financial sector. 2. STRUCTURE OF FINANCIAL SYSTEM The financial system implies a set of complex and closely connected institutions, agents, practices and markets. The following is a typical structure of financial system in any economy.Show MoreRelatedFinance1352 Words   |  6 Pagesfinancial manager differ from the traditional financial manager? Does the modern financial managers role differ for the large diversified firm and the small to medium size firm? The traditional financial manager was generally involved in the regular finance activities, e.g., banking operations, record keeping, management of the cash flow on a regular basis, and informing the funds requirements to the top management, etc. But, the role of financial manager has been enhanced in the todays environment;Read MoreFinance1074 Words   |  5 PagesCORPORATE FINANCE COURSE CORPORATE FINANCE 2.1 Working Capital Management Sept. 2014 Ir Frank W. van den Berg mba Vrije Universiteit, Amsterdam ALYX Financial Consultancy bv, Aerdenhout FWvdB/2014 1 OUTLINE CORPORATE FINANCE FWvdB/2014 †¢Ã¢â‚¬ ¯ Basics Guiding principles †¢Ã¢â‚¬ ¯ Time value of money + Capital Budgeting †¢Ã¢â‚¬ ¯ Valuation of CF + Bonds †¢Ã¢â‚¬ ¯ Valuation of shares (+ co.’s) †¢Ã¢â‚¬ ¯ Financial Analysis (Ratios) †¢Ã¢â‚¬ ¯ Financial Planning (EFN) †¢Ã¢â‚¬ ¯ à  Ã¯Æ'   Working Cap. Mgt. (A/R,Read MoreThe Finance1054 Words   |  5 Pagesrequires intentional short-term and long-term planning. More importantly, in order for capital management to be deemed successful, it is required that all members of an organization are on board. â€Å"Capital budgeting is not only important to people in finance or accounting, it is essential to people throughout the business organization†lt; /spangt; (Block, Hirt, amp; Danielsen, 2011). As the duration of the investment period increases, and the size of investment increases, the residual risk also increasesRead MoreEquity Finance And Debt Finance823 Words   |  4 PagesStockholders are those entities who provide a company with the risk capital such as preference share owners and ordinary share owners (Freeman and Reed, 1983). Generally, stockholderis one of long-term finance providers with the aim to maximize their wealth.According toBrickleyet al. (1985), long-term finance provi ders are more likely to focus on the matter whether the financial structure in the company is sound or not and the durability of profitabilityrather than temporary profits that a potentiallyRead MoreFinance, Economics, And Finance Essay1245 Words   |  5 Pagesalso studied business, management, economics, and finance. These courses impressed upon me the importance of the financial sector in the economy. Finance professionals have the unique responsibility of managing assets and analyzing risks to ensure the future success of a company or organization. It is difficult to overstate the importance of this role, as the financial crisis of 2009 showed. It is due to my understanding of the importance of finance and investment, coupled with my longstanding interestRead MoreFinance : Finance A Carry Trade1144 Words   |  5 PagesIn finance a carry trade is a strategy that consists of borrowing at a low interest rate currency to fund investment in higher yielding currencies. (Moffett) Th e country in which the investors borrow from is called the funding country and the country where the investment occurs is called the target country. (4) Carry trade is also termed currency carry trade; this strategy is speculative in that the currency risk is present and not managed or hedged. (Moffett) Although there are several complicatedRead MoreFinance, Banking And Finance Industry2170 Words   |  9 Pagescomplete your transaction and move on with your day. The last thing on your mind is how that transaction is taking place. You don’t care what happens behind the scenes as long as your money is where it needs to be and is safe. As the banking and finance industry has transformed, so has the process of how your money is handled. To accompany those changes, regulators and lawmakers create laws designed to protect consumers, banks, and the economy as a whole. As you will learn, the history of the bankingRead MoreFinance : Finance A Carry Trade Essay1144 Words   |  5 Pages In finance a carry trade is a strategy that consists of borrowing at a low interest rate currency to fund investment in higher yielding currencies. (Moffett) The country in which the investors borrow from is called the funding country and the country where the investment occurs is called the target country. (4) Carry trade is also termed currency carry trade; this strategy is speculative in that the currency risk is present and not managed or hedged. (Moffett) Although there are several complicatedRead MoreFinance998 Words   |  4 PagesPlant Improvements Total Investments: total investment in plant and equipment brought forward from the Production spreadsheet. Sales of Plant and Equipment : total sales of plant and equipment brought foraad from the Production spreadsheet. Common Stock * Shares Outstanding: The number of shares of common stock in the hands of shareholders. Reflect any issue/ retire stock transaction at the beginning of this year * Price Per Share: stock price as of yesterday’s close. Stock will be issuedRead MoreInternal Sources Of Finance And Finance Essay2349 Words   |  10 PagesInternal sources of finance: Internal sources of finance are funds that arise from within the business such as profits as they can be retained to grow the finance and selling assets. Retained profit Retained profit is the money kept in the company after paying dividends. It is used to reinvest in the business or to pay debt. It comes by a business after it makes profit and is kept separate to use in other ways such as expanding the business by developing new buildings or certain areas, buying new

Evolution vs. Intelligent Design Essay - 3619 Words

The Evolution of the Creation Controversy in Twentieth Century America The fact of evolution is the backbone of biology, and biology is thus in the peculiar position of being a science founded on an improved theory, is it then a science or faith? Charles Darwin The empirical detectability of intelligent causes renders intelligent design a fully scientific theory. William Dembski Introduction Questions on the origin of life and of the universe must have permeated human thought since the very beginning of the thought process itself. Philosophers, natural scientists, and theologians have long historical records of dealing with the explanations of mankinds origin, function, purpose, and ultimate destiny1. In a seemingly†¦show more content†¦However, scientists began to find evidence that refuted much of the doctrines that the theologians proclaimed to be the history of creation. In 1796, James Hutton, geologist, chemist, and naturalist, proposed a theory stating that geological features were the result of physical causes referring to a continuum of change during all parts of history. In The 1830s, Charles Lyell, considered by many to be the father of modern geology, developed the theory that the earth developed over many ages.7 Darwin introduced an explanation of biological change that excluded the necessity of supernatural intervention and incorporated elements of chance and indeterminacy. Darwin saw evolution as an occurrence of random variation in which a mechanism of heredity transmits similar organic forms and struggles for existence. Natural selection and survival of the fittest were key parts in his theory6. By the turn into the 20th century, both scientists and theologians were increasingly inclined to accept Darwinism as revealing Gods purpose and some elaborate theories attempted to reconcile geology and Genesis. Years later, Catholic theologians would reconcile science and religion as two different approaches to reality, distinct in their methods of thought. Both were concerned with the search for an orderly, harmonious universe, but neither excluded the other. By a sort of truce, it was assumed that religion provided a vision of a world beyond nature, while scienceShow MoreRelated Intelligent Design vs. Evolution Essay928 Words   |  4 Pagesoriginally came from. This is the debate of Intelligent Design (ID) and Evolution. The main debating question of many scholars being, Is the universe self-contained or does it require something beyond itself to explain its existence and internal function?. Intelligent Design is the idea that living creatures on Earth are so complex that, they could not possibly have been created through the natural selection. It is the belief that there must be an ?intelligent designer? that created us all. ThisRead More Evolution vs Intelligent Design Essay3313 Words   |  14 Pagesamendment as well which states, â€Å"The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people.† I ascertain that restriction in education against material because of its source, intelligent design’s (ID) link to creationism in this case, is a violation of the first amendment’s free speech clause and further misinterpretation of the first amendment to exclude material because of its arguably religious source is a violation of the ninthRead MoreEssay about The Origins of Life: Evolution vs Intelligent Design1634 Words   |  7 Pagesreligion and science – challenging t he ideological edifice on which the nation stands. The contention is shrouded by vehement claims from those who claim Intelligent Design, a refinement of creationism, to be true; and believers of the theory of evolution, who claim scientific merit yields no other conclusion than what is presented in the theory of evolution. As a result, the spills of conflict are in the classrooms now. In Austin, Texas, every decade fifteen people influence what is taught to the nextRead MoreEvolution Through the Influence of God1605 Words   |  7 Pagesâ€Å"religion† or belief called the intelligent design theory. Through a combination of scientific evidence and Biblical moralities, the intelligent design theory was established to accommodate believers in the divine Christ and the theory of evolution. This group believes that evolution is occurring, but that God created the start of all life. There are three main notions of the origin of life, evolution, creationism, and intelligent design. The first theory, evolution, explains how life on Earth formedRead More Evolution Vs. Creationism Essay1323 Words   |  6 PagesEvolution vs. Creationism Abstract In the history of science vs. religion there have been no issues more intensely debated than evolution vs. creationism. The issue is passionately debated since the majority of evidence is in favor of evolution, but the creation point of view can never be proved wrong because of religious belief. Human creation breaks down into three simple beliefs; creation theory, naturalistic evolution theory, and theistic evolution theory. The complexities of all threeRead MoreShould Intelligent Design and/or Creationism Be Taught Alongside Evolution in Public Schools?641 Words   |  3 Pagescourtrooms about whether or not should intelligent design should be taught alongside evolution in public schools, which has been going on for a great amount of years. Intelligent design is the idea of natures changes cannot be a random process, but a type of guidance must have lead to why nature is the way it is in today’s era. In most cases, that specific guidance is God. God has created the world for a purpose. Creationism is the same idea as intelligent design, believing that nature was created byRead MoreCreationism vs. Evolutionism in Public Schools1538 Words   |  7 PagesDebate: Creationism vs. Evolution in Schools: 1st Affirmative Constructive Speech Creationism and Evolutionism by definition are very different topics. Currently, evolutionary naturalism is the most widely taught view of origins in America. In schools in the modern day, only evolutionism is taught and condoned. But before the 1920s, only creationism was taught, and evolution was forbidden. Then, on February 20, 2008, the Florida State Board of Education voted to revise the public school guidelinesRead MoreThe Debate Between Evolution and Creationism1648 Words   |  7 PagesIf the question was posed as to what is the debate between creationism vs. evolution consist of, the thought that it is ‘â€Å"God did it† vs. â€Å"Natural processes did it,†Ã¢â‚¬â„¢ (Scott, 2004) may arise. Science cannot absolutely prove or disprove Creation or Evolution. Yet scientist and the remainder of society use creationism and evolution to prove our existence. Creationist believe in the Christian account of the origin as recorded in Genesis. Creationism is the belief that statements such as â€Å"In the beginningRead MoreIntelligent Design: An Intelligent Way of Disguising Religion1346 Words   |  6 Pagesreligious people have voiced their unhappiness that schools teach evolution. The Bible says that God put all the plants, animals, and people on this planet, and evolution completely contradicts that. The idea of including creationism in schools has been brought to courts multiple times but with no success. Now the creationists have a new way of presenting it. They disguise it behind science and use the term Intelligent Design. Intelligent Design is a form of creationism under new terminology and is the attemptRead MoreEvolution versus Intelligent Design902 Words   |  4 PagesEvolution VS. Intelligent Design There is a main difference between a theory and a fact. A theory is a logically connected group of tested propositions that are regarded as correct. It can be used as an explanation for an occurrence. A fact is something that actually exists and can be proven using factual evidence. The theory of evolution defined by Darwin is descent with modification. What Darwin means by that is that as the descendants of a certain species spread out over vast regions of the Earth

Global Resource And Food Scarcity - 1577 Words

This article will highlight the existing and future food security and environmental challenges facing the globe, including the unprecedented migration of rural to urban and the implications for food systems and the environment. What does this mean for Australian rural communities who deliver sustainable food production and environmental protection? Focusing on the Liverpool Plains in New South Wales as a case study, this article demonstrates the challenges in making agri-environmental outcomes visible using the collective value of on-farm natural resource management and agricultural production as an example compared to the investments in mining developments, such as the Watermark Shenhua project. To date these significant financial contributions of farmers have not been considered. This article emphasizes the need for law and policy reform to protect agri-environmental landscapes (and their communities) from inappropriate land uses. Global resource and food scarcity As each day passes over 200,000 people are born into to an already stressed planet. Based on this global trend humanity requires a doubling of the current food production by 2050 to ensure we can feed the expected 9 billion people. Is this possible in a world where there is now critical global natural resource scarcity, in particular water? Forty percent of the global grain yields have reached a photosynthetic ‘glass ceiling’, water resources in particular ground water are plummeting as are forests, soilsShow MoreRelatedWater Scarcity Is a Real Problem in Todays World Essay607 Words   |  3 Pagesresearching my topic of global water scarcity, water contamination, and food resources, I have had many questions I wanted the answers too. When thinking of water scarcity, I really didn’t think it was that big of a problem for the world as a whole. I will say that I was completely wrong for thinking that. I would hear about it on radio stations and television channe ls but at the rate it was being brought up, I really didn’t think anything of it. After researching this global issue, my thoughts wereRead MoreThe Problem Of Water Scarcity1086 Words   |  5 PagesComposer’s Statement How bad is it? How is it linked to global crises and conflict? This topic is special for my readers of my website because it is a social issue that affects each country in the world. I know that they would want to know the causes of water scarcity and solutions to make a difference in preventing. I chose this genre piece because I have grown up in Tanzania, where a small part of the country has water scarcity. Furthermore, Jamaica, Qatar and Ethiopia are some of the countriesRead MoreWater Is The Most Precious Resource This Planet Has To1292 Words   |  6 PagesWater is the most precious resource this planet has to offer. A one of a kind substance, water is a resource that sustains all life on this planet. Yet, humanity supports an industry that uses water inefficiently and irresponsibly, one that takes more 42% humanity’s accessible fresh water and wastes it. Unless we take the proper initiative, our world’s water supplies will slowly deplete, leaving earth in an e ternal drought, which could potentially cause an end to the human race. Agriculture is anRead MoreEnvironmental Scarcity And Food Insecurity786 Words   |  4 PagesA. According to the FAO estimation, there are 840 million undernourished people in the world, and 95% of them are from developing countries. B. Environmental scarcity and food insecurity are critical factors that intensify the issue of malnutrition among people in most developing countries. C. d. Evidence health issue: - protein-energy malnutrition (PEM) refers to a form of malnutrition where there is lack of calories and protein intake. There are two kinds of PEM: the nutritional edema andRead MoreHow Has Globalization Impacted Water Scarcity?1257 Words   |  6 PagesUnderstanding Globalization (GSSC 1083) Research Paper How has globalization impacted water scarcity? Name: Yash Patel Professor’s name: Jamie Zarowitz Date: 8th November Can you imagine living in a world where the most abundant and needed resource water was not available to you. This is the reality many people around the world are facing right now. Globalization has had far-reaching effects on our lifestyle. â€Å"It has led to faster access to technology, improved communicationRead MoreWater Scarcity Is A Shortage Of Water1373 Words   |  6 Pageslevel presence on its surface. However 97.5% of that water is salt seawater that is unusable by people or in day-to-day tasks (International Desalination Association, 2015). Earth is running out of fresh water and offers only 0.26% of fresh water resources to utilize and suffice peoples’ needs (International Desalination Association, 2015). These statistics merely shed light on the relatively soon to become the highest demanded and highest priced product in the world ‘water’. Water shortages are increasingRead MoreAustralia s Global Food Network As A Surplus Producer Essay1420 Word s   |  6 Pageschallenges of this development will be the supply, distribution and access of water, food and nutrition on a global scale, while reducing the impact on the environment. The earth warms up as a result of extraordinarily high greenhouse gas emissions, generating extreme weather events which then affect the ones the most that are least accountable for the cause [2]. It is apparent that we are currently facing a global challenge that requires a solution urgently. As United Nations Secretary-General BanRead MoreA Brief Note On The 21st Century Wars Will Be Fought Over Water Resources1430 Words   |  6 Pageswars will be fought over water resources not oil. First, it will analyse the substantial causes of water scarcity as a result of man-made causes, the impact of climate change and the consequences of water mismanagement, and evaluate international water law. Then it will evaluate triggers to stress disputes into water war. Finally, this essay will offer concluding thoughts and suggestions for further research. First and foremost; the main causes of water scarcity are made by humans. It will considerRead MoreThe Accessible Water Resources The World Took For Granted1636 Words   |  7 PagesProfessor Menton English 1 December 14, 2015 The Accessible Water Resources the World Took for Granted Currently, â€Å"only 2.5 to 3 percent of all the natural water sources available on Earth are composed of fresh water† as written by Paul Alois, a researcher and writer for The World Bank. Alois continues, â€Å"less than 1 percent is easily accessible for human use† due to most of the natural water sources being unaccessible. As the global population grows, the environment keeps changing, and over usageRead MoreThe Environment Of The Water Management Choices Essay1682 Words   |  7 PagesIntroduction: Water and how it is distributed has become the significant issue of our generation. This increasingly scarce resource is intrinsically linked to the global challenges of food insecurity, poverty, climate change, depletion of natural resources which affects the livelihoods of millions of people across the world (FAO, 2011). The water management choices that are made today will determine, to a large extent, whether societies achieve economic and social development and environmental sustainability

Annotated Bibliography Classroom Management free essay sample

Pre-service teachers and classroom authority. American Secondary Education, 38(3), 62-78. Retrieved from http://search. proquest. com. wwwproxy0. library. unsw. edu. au/docview/722356586? accountid=12763 In this article Pellegrino examines the classroom practices of 5 preservice secondary school teachers, identifying the challenges faced in establishing their authority to create an effective learning environment. As a framework for his study, Pellegrino gives 3 basic origins of authority: Traditional, Legal/Rational and Charismatic authority. Of the three, he recommends student teachers aim to develop legal/rational authority as it is based on values, rules and procedures and is most conducive to modern views of learning. Pellegrino suggests classroom management is of paramount concern to most student teachers and the effective application of concepts, methodologies and strategies learned during their studies is often a struggle for them. With placement soon approaching, classroom management is undeniably one of my greatest concerns, hence the reason I chose to include this article. We will write a custom essay sample on Annotated Bibliography Classroom Management or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page In gaining insight into the common errors made by student teachers during placement, I hope to avoid repeating these mistakes during my tenure. The findings from this article demonstrated that although participants did utilize the knowledge and skills learned from their studies they all returned to traditional and/or charismatic authority styled forms of classroom management. This was seen in the creation of teacher-oriented classrooms as well as many attempting to take on the role of the â€Å"cool† teacher, unfortunately to no avail. As a prospective high-school teacher, I am aware of the relatively small age-gap that is likely to exist between myself and my students. Pellegrino’s warning about the ease of which student teachers often establish charismatic authority, is something I will definitely keep in mind. Although easy to establish, this type of authority is based on irrational means and as observed in the study, is often fleeting. For the participants in this study, perhaps the most significant errors made were trying to emulate the management styles of their mentors and/or being inadequately prepared. From this I learned the importance of not only developing a well-structured and well thought-out management plan but one that I adhere to, can reflect upon and alter accordingly. 2. Gillies, R. amp; Boyle, M. (2010). Teachers’ reflections on cooperative learning: Issues of implementation. Teaching and Teacher Education, 26(4),