Saturday, December 28, 2019
Georgia Southern University Acceptance Rate, SAT/ACT Scores, GPA
Georgia Southern University is a public research university with an acceptance rate of 68%. Located in Statesboro, Georgia, Georgia Southerns undergraduate students can choose from 67 degree programs across Georgia Southerns seven colleges. Among undergraduates, business fields are the most popular. The university has a 21-to-1à student/faculty ratio. The school has more than 300 campus organizations including an active fraternity and sorority system. In athletics, the Georgia Southern Eagles compete in the NCAA Division Ià Sun Belt Conference. The football team has won six national championship titles. Considering applying to Georgia Southern University? Here are the admissions statistics you should know, including average SAT/ACT scores and GPAs of admitted students. Acceptance Rate During the 2017-18 admissions cycle, Georgia Southern University had an acceptance rate of 68%. This means that for every 100 students who applied, 68 students were admitted, making GSUs admissions process somewhat competitive. Admissions Statistics (2017-18) Number of Applicants 11,522 Percent Admitted 68% Percent Admitted Who Enrolled (Yield) 56% SAT Scores and Requirements Georgia Southern University requires that all applicants submit either SAT or ACT scores. During the 2017-18 admissions cycle, 73% of admitted students submitted SAT scores. SAT Range (Admitted Students) Section 25th Percentile 75th Percentile ERW 540 610 Math 520 590 ERW=Evidence-Based Reading and Writing This admissions data tells us that most of Georgia Southerns admitted students fall within the top 35% nationally on the SAT. For the evidence-based reading and writing section, 50% of students admitted to GSU scored between 540 and 610, while 25% scored below 540 and 25% scored above 610. On the math section, 50% of admitted students scored between 520 and 590, while 25% scored below 520 and 25% scored above 590. Applicants with a composite SAT score of 1200 or higher will have particularly competitive chances at Georgia Southern University. Requirements Georgia Southern University does not require the SAT writing section. Note that GSU participates in the scorechoice program, which means that the admissions office will consider your highest score from each individual section across all SAT test dates. ACT Scores and Requirements GSU requires that all applicants submit either SAT or ACT scores. During the 2017-18 admissions cycle, 44% of admitted students submitted ACT scores. ACT Range (Admitted Students) Section 25th Percentile 75th Percentile English 20 25 Math 19 25 Composite 21 25 This admissions data tells us that most of GSUs admitted students fall within the top 42% nationally on the ACT. The middle 50% of students admitted to Georgia Southern received a composite ACT score between 21 and 25, while 25% scored above 25 and 25% scored below 21. Requirements Georgia Southern does not require the ACT writing section. Unlike many universities, GSU superscores ACT results; your highest subscores from multiple ACT sittings will be considered. GPA In 2018, the average GPA of Georgia Southern Universitys incoming freshmen class was 3.36. This data suggests that most successful applicants to GSU have primarily B grades. Self-Reported GPA/SAT/ACT Graph Georgia Southern University Applicants Self-Reported GPA/SAT/ACT Graph. Data courtesy of Cappex. The admissions data in the graph is self-reported by applicants to Georgia Southern University. GPAs are unweighted. Find out how you compare to accepted students, see the real-time graph, and calculate your chances of getting inà with a free Cappex account. Admissions Chances Georgia Southern University, which accepts just over two-thirds of applicants, has a somewhat selective admissions process. If your SAT/ACT scores and GPA fall within the schools required minimums, you have a strong chance of being accepted. While Georgia Southern does not require a personal statement or essay, the university wants to see that you have completed a rigorous college preparatory curriculum in high school. At a minimum, you should have an average GPA of 2.5 or above in required coursework including: four years of English, math, and science; three years of social science; and two years of a single foreign language. In the graph above, the blue and green dots represent accepted students. Most had SAT scores of 1000 or higher, ACT composite scores of 20 or higher, and high school averages ranging from A to C. Keep in mind, however, that the university is selective and a significant number of successful applicants have average GPAs in the A range. If You Like Georgia Southern University, You May Also Like These Schools University of GeorgiaEmory UniversityGeorgia State UniversitySpelman CollegeGeorgia Institute of TechnologyFlorida State UniversityAuburn University All admissions data has been sourced from the National Center for Education Statistics and Georgia Southern University Undergraduate Admissions Office.
Thursday, December 19, 2019
Interpersonal Improvement - 664 Words
M1A3 Goals Identification and Reality Assessment Worksheet 1. Describe a goal for interpersonal improvement in your personal life. Be sure to explain the following: * What aspects of your own interpersonal communication skills would you like to improve? * How far are you from attaining this goal? * Do you think this goal is set too high or too low? Why, or why not? * How long will it take me to attain this goal? * If the goal will take a long time to attain, could you set smaller goals that you could attain while still working toward your bigger goal? * How will you benefit from successfully attaining your goal? My personal goal is to be able to communicate my feelings more often. I think it will takeâ⬠¦show more contentâ⬠¦This goal is two parts, studying more is not set too high or too low because assignments are consistent and it is my responsibility to keep on top of them. As for graduating, this one is long term but I feel it is an important academic goal to me because it keeps my eye on the prize. I will benefit from this goal because if I study more that leads to good grades, then I can graduate and take my knowledge from school and apply it to my career and my life. 3. Describe a goal for interpersonal improvement in your professional life. Be sure to explain the following: * In your career, what areas of your interpersonal communication could you improve? * How far are you from attaining this goal? * Do you think this goal is set too high or too low? Why, or why not? * How long will it take me to attain this goal? * If the goal will take a long time to attain, could you set smaller goals that you could attain while still working toward your bigger goal? * How will you benefit from successfully attaining your goal? My professional goal is to try to take on more responsibilities at my job. This goal will take about six months to a year, because moving up in a company takes some time. I think this goal is set in the middle because I want to be sure I learn all the material needed to move forward. A smaller goal I could give myself is to learn a section each week and test myself on it. I willShow MoreRelatedBsbhrm405A1961 Words à |à 8 Pagesin good order to meet foreseeable demands as per production plan. Maintain a stock control system ensuring appropriate turnover of stacked stock. Monitor production efficiencies in line with operational KPIs and to promote a continuous improvement environment to the team. In conjunction with the Marketing Consultant, ensure that delivery dates promised are kept. Maintain an efficient machine layout and handling system. Keep machine down time to a minimum and keep control of overheadRead MoreEssay about BSBMGT502B Manage People Performance3832 Words à |à 16 Pagesevaluations are necessary for many reasons. - They provide valuable feedback from both parties - They recognize future development needs - They give an understanding of how the employee is doing and how well they think they are doing - They outline improvement that may be needed - They determine whether the requirements of the job match the original job description - They determine whether the tasks are achievable or whether theyre too simple - They can also bring up issues in operations that mayRead MoreInterpersonal Communication Skill Of Feedback983 Words à |à 4 PagesThe interpersonal communication skill of feedback is essential for hospital nurses to give a suitable care to each patient because it enables the nurses to learn, and improve their motivation, performance and efficiency that assist to achieve their goal which is to help the patients heal. The interpersonal communication skill of feedback is a system of conveying information between two people regarding the receiverââ¬â¢s performance (Baker et al. 2013). In general, feedback is employed to deliver informationRead MoreInterpersonal Communication Is Fundamental For The Growth Of An Organization1735 Words à |à 7 PagesMany studies show that interpersonal communication is fundamental for the growth of an organization. Its success can be determined by the method in which employees form relationships, interact, and share communication. Therefore, many o rganizations are refocusing their employee structure models by moving away from the traditional idea of leadership and introducing team-based work groups. Members of these work groups are often selected based upon their experience, expertise, and ability to contributeRead MoreCommunication Is The Process Of Acting On Information872 Words à |à 4 Pagesand values, the more consistent we will be in our interpersonal and supervisory relationshipsâ⬠(Forkosh, 2009). The lectures and seminars gives the desire to understand my intrapersonal self. The first few components of the two-part essay awoken the desire for self-improvement. I became transparent to areas that need interpersonal communication. The last section of the essay concludes my journey towards positive communication improvement towards others. I conclude that the essay helps inRead MoreThe Importance Of Interpersonal Communication Through The Implementation Of Listening, Feedback And Questioning Skills1270 Words à |à 6 Pagesthe benefits of interpersonal communication through the implementation of listening, feedback and questioning skills. This report additionally addresses recommendations in regard to the effectiveness of interpersonal communication skills being employed as an Events Coordinator. This report was authorized by the Professional Conference Organisers (PCO) representing the interests of event coordinators, managers and planners Australia wide. 1.2 Scope and Methodology The interpersonal communication skillsRead MoreIntrapersonal Communication And Self Concept, Perception And Expectation Of Oneself1094 Words à |à 5 Pagesone think of his/herself in order to successfully communicate with others. In other hand, interpersonal communication is a distinction form of human communication for the purpose of managing relationships (Beebe et al, 4). Three aspects of intrapersonal communication are self-concept, perception and expectation of oneself. In this paper I will identify how my intrapersonal relationship impacts my interpersonal relationship by giving example from my interactions with others using the three aspect listedRead MoreI Am About Hamilton : An American Musical And Its Impact On Society1283 Words à |à 6 PagesHowever, with the help of my teacher, support and praise of fellow students, and my own hard work, I have made several improvements since the beginning of the semester such as verbal delivery, eye contact, and interpersonal communi cation skills. Verbal delivery was a skill I was hoping to improve on at the beginning of the semester as I mentioned in my Communication Improvement Paper (CIP). When it came to speeches, I practiced many times to make sure what I was saying made sense and it conveyedRead MoreForgiveness And Its Consequences And Implications1416 Words à |à 6 Pageslife due to the consequences and implications. Forgiveness means forgoing any thought, feelings that causes great and irreparable harm or damage, and engaging in constructive responses following an interpersonal offense (Romero, 2008). Forgiveness entails both intrapersonal and interpersonal elements (McCullough, Pargament, Thoresen, 2000). In terms of intrapersonal, forgiveness entails making an ongoing, conscious choice to forgo destructive thoughts, feelings and behaviors such as avoidanceRead MoreImportance of Interpersonal Communication Skills in Healthcare Professions1558 Words à |à 7 PagesImportance of Interpersonal Communication sills in Healthcare Professions Interpersonal communication is a fundamental element to any healthcare interaction. First, second and third person communication skills are primary aspects of an interaction, encompassing both verbal and non-verbal communication skills. It will be argued that rapport building and questioning are vital interpersonal skills in a healthcare context and possessing the ability to ensue a positive relationship between a healthcare
Wednesday, December 11, 2019
Debentures free essay sample
DEBENTURES I. Sale/Transfer of Shares/Bonds/Debentures by NRIs to Residents In order to facilitate quick transfer of shares/bonds/debentures held by NRIs to residents, Reserve Bank has granted general exemptions for sale/transfer of shares/bonds/debentures through stock exchanges in India subject to fulfillment of certain conditions. Applications for sale/transfer of shares/bonds/debentures held by NRIs/OCBs by private arrangement i. e. ther than through stock exchange should be made to Reserve Bank in TS 1 either by the transferor or the transferee, attaching therewith the letter of consent of the other party irrespective of whether the shares/bonds/debentures are listed on a stock exchange or not. While conveying its approval, Reserve Bank will stipulate the conditions subject to which the sale/transfer should be effected. In case of sale/transfer of shares/bonds/debentures acquired on repatriation basis, repatriation of such proceeds of bulk holding (i. . shares/bonds/debentures exceeding Rupee one lakh in face value or 5% of the companyââ¬â¢s paidnup capital whichever is lower) will be permittted only on production of a certificate from a Chartered Accountant or the concerned companyââ¬â¢s secretary stating that shares with necessary transfer form duly signed have been received/lodged with the company for registration in favour of the transferee. II. Sale/Transfer of Shares/Bonds/ Debentures of Indian companies through a Stock Exchange acquired without repatriation benefit. Reserve Bank has exempted the transfer of shares, bonds or debentures of Indian companies made by NRIs through stock exchange in India in case where (a) such transfers are made in favour of an Indian citizen or person of Indian origin resident in India or in favour of a company or other body corporate incorporated in India and (b) sale proceeds of shares are credited to the NRO account of the transferor with no right of repatriation outside India. In such cases, authorised dealers may credit the sale proceeds to the sellerââ¬â¢s NRO account after verifying the contract notes issued by recognised stock exchange brokers through whom the sale was effected. This exemption is available in respect of shares, bonds, or debentures acquired by NRIs under the Portfolio Investment Scheme as well as under any Direct Investment Scheme. ii) For sale/transfer of shares, bonds or debentures by OCBs acquired on non-repatriation basis through a stock exchange in India, a consolidated application giving full particulars may be submitted to the concerned office of Reserve Bank. Permission will be granted by Reserve Bank for a specific period subject to renewal. III. Sale/Transfer of shares/Bonds/ Debentures of Indian companies through a Stock Exchange acquired without repatriation benefits under the Portfolio Investment Scheme. Reserve Bank exempted transfer of shares, bonds, or debentures of Indian companies registered in India previously acquired by NRIs/OCBs with repatriation benefits under the Portfolio Investment Scheme to person residents in India or persons of Indian origin resident in India or in favour of companies or bodies corporate, incorporated under any lay in force in India on the following conditions: (a)The transferor had purchased such shares, bonds or debentures from the stock market through a member of a recognised stock exchange in India and delivery of shares, bonds, or debentures so purchased has been taken by him or on his behalf by the concerned authorised dealers or its nominee. (b) The shares, bonds or debentures are sold in the stock market through member of a recognised stock exchange in India and sale transaction is effected at the ruling market price as determined on the floor of the stock exchange by normal bid and offer method and through the same designated branch of the au thorised dealer through which the shares, bonds or debentures were earlier purchased. (c) The sale proceeds are paid to the said designated branch. Consequently, it is not necessary for NRIs/OCBs to obtain Reserve Banksââ¬â¢ permission for sale of shares/bonds/debentures effected in the above manner. As regards the repatriation of sale proceeds received by the designated branches, Reserve Bank, will while granting approval for purchase of shares/bonds/debentures, also grant approval for repatriation of the sale proceeds if and when the shares/bonds/debentures are sold in the above manner. The actual repatriation of the same proceeds or credit thereof to the NRE/FCNR account of the beneficiary will be subject to payment of Indian taxes. IV. Sale/transfer of shares/bonds/debentures acquired by NRIs/OCBs with repatriation benefit under the Direct Investment Scheme Sale/transfer of shares/bonds/debentures acquired by NRIs/OCBs with repatriation benefit under the Direct Investment Scheme and sold through the Stock Exchange in India will require permission of Reserve Bank. Applications for necessary permission should be made by NRIs/OCBs to the Central Office of Reserve Bank in Form TS 4 through the designated bank branch of an authorised dealer. In such cases, permission for sale/transfer of shares/bonds/debentures acquired with the right of repatriation will be granted by Reserve Bank to the branch designated by the seller to the authorised dealer, as the case may be, who may sell the holdings at the ruling market price, through a stock exchange at any time within the validity of the permission. While granting permission for sale/transfer, Reserve Bank will also authorise the designated branch/authorised dealer to credit the sale proceeds to the NRE or FCNR account of the seller or to remit them abroad subject to payment of taxes on capital gain if any. Where the amount of capital gains taxed is not immediately determinable, the designated branch/authorised dealer may allow repatriation of sale proceeds or credit thereof to he sellers NRS/FCNR account to the extent of the original cost of investment immediately on realisation of the sale proceeds. The excess amount, if any representing capital gain should be kept by the designated branch/authorised dealer in a separate NRO account of the seller or in a suspense account. The designated branch/authorised dealer may allow withdrawal of this amount for credit to the NRE/FCNR account of the seller or remit it abroad, on production of necessary tax clearance certificate. V. Transfer of Rupee Securities by Non-residents as Gift Reserve Bank has also exempted transfer, by way of gift, of any share, bond or debentures of company registered in India made by a non-resident Indian or person of Indian origin to a citizen of India or a person of Indian origin resident in India provided: (a) such shares, bond or debenture was held by the transferor with the permission of the Reserve Bank, and (b) such transfer is between relatives as defined in Section 6 of the Companies Act, 1956 Consequently, it is not necessary for NRIs to obtain Reserve Banksââ¬â¢ permission for transfer of shares/bonds/debentures effected in the above manner VI. Transfer of Rupee Securities to Non-residents as Gifts Transfer of rupees shares/securities by residents to non-residents by way of gift requires prior approval of Reserve Bank. Applications for such transfers should be made to the concerned office of Reserve Bank and should, inter alia, containing the following information: (a) Name, address and permanent place of residence of both the transferor and the transferee. (b) Relationship between the transfer or and the transferee. Reason for making the gift VII. Sale/Transfer of Government Securities/Units NRIs/OCBs may freely sell/transfer Government securities through a Stock Exchange in India, provided the sale/transfer of such securities is arranged through an authorised dealer. Similarly NRIs/OCBs holding units of UTI may freely tender them for repurchase by the Trust. A debenture is an unsecured loan you offer to a company. The company does not give any collateral for the debenture, but pays a higher rate of interest to its creditors. In case of bankruptcy or financial difficulties, the debenture holders are paid later than bondholders. Debentures are different from stocks and bonds, although all three are types of investment. Below are descriptions of the different types of investment options for small investors and entrepreneurs. Debentures and Shares When you buy shares, you become one of the owners of the company. Your fortunes rise and fall with that of the company. If the stocks of the company soar in value, your investment pays off high dividends, but if the shares decrease in value, the investments are low paying. The higher the risk you take, the higher the rewards you get. Debentures are more secure than shares, in the sense that you are guaranteed payments with high interest rates. The company pays you interest on the money you lend it until the maturity period, after which, whatever you invested in the company is paid back to you. The interest is the profit you make from debentures. While shares are for those who like to take risks for the sake of high returns, debentures are for people who want a safe and secure income. A Debenture is a long-term Debt Instrument, which is not backed by Collaterals. Debentures are unsecured debt backed by the creditworthiness and reputation of the Debenture issuer and documented by an agreement called an indenture. It is issued usually by large, financially strong companies with excellent bond ratings. One example of debenture is an unsecured bond. A Debenture is a long-term Debt Instrument issued by governments and big institutions for the purpose of raising funds. The Debenture has some similarities with Bonds but the terms and conditions of securitization of Debentures are different from that of a Bond. A Debenture is regarded as an unsecuredinvestment because there are no pledges (guarantee) or liens available on particular assets. Nonetheless, a Debenture is backed by all the assetswhich have not been pledged otherwise. Normally, Debentures are referred to as freely negotiable Debt Instruments. The Debenture holder functions as a lender to the issuer of the Debenture. In return, a specific rate of interest is paid to the Debenture holder by the Debenture issuer similar to the case of a loan. In practice, the differentiation between a Debenture and a Bond is not observed every time. In some cases, Bonds are also termed as Debentures and vice-versa. If a bankruptcy occurs, Debenture holders are treated as general creditors. The Debenture issuer has a substantial advantage from issuing a Debenture because the particular assets are kept without any encumbrances so that the option is open for issuing them in future forfinancing purposes. Collaterals: Collaterals are assets or properties which are provided to secure a loan or any other type of credit. If there is a default, Collateral is a subject of seizure. Collateral is a type of security provided to the lender if there is a default on behalf of the borrower in repayment of loan. For instance, if a person takes a mortgage loan, the Collateral would be his house. Debentures are categorized into the following types: â⬠¢Convertible Debentures: This is a debenture which can be converted into some other type of securities (for example stocks). â⬠¢Corporate Debentures: Corporate Debentures are Debentures issued by companies and they are insecure in nature. Bank Debentures: This type of Debentures is issued by banks. â⬠¢Government Debentures: These include Treasury bond (T-Bond) and Treasury bill (T-Bill) issued by the government. They are usually regarded as risk-free investments. â⬠¢Subordinated Debentures: This is a particular type of Debenture, which r anks below regular Debentures, senior debt, and in some instances below specific general creditors. â⬠¢Corporation Debentures: Corporation Debentures are issued by various corporations. â⬠¢Exchangeable Debentures: They are like Convertible Debentures, but this Debenture can only be converted to the common stock of a subsidiary company or affiliated company of the Debenture issuer. There are some other types of Debentures such as Senior Debentures, Secured Debentures, Exchange Debentures, Secured Convertible Debentures, Convertible Senior Debentures, Unsecured Convertible Debentures, Subordinated Convertible Debentures, Senior Secured Convertible Debentures, Junior Subordinated Debentures, Senior Subordinated Debentures, and Senior Secured Debentures etc. Bonds And Debentures In India A Bond is a loan given by the buyer to the issuer of the instrument. Bonds can be issued by companies, financial institutions, or even the government. Over and above the scheduled interest payments as and when applicable, the holder of a bond is entitled to receive the par value of the instrument at the specified maturity date. Bonds can be broadly classified into a. Tax-Saving Bonds . Regular Income Bonds Tax-Saving Bonds offer tax exemption up to a specified amount of investment. Examples are: a. ICICI Infrastructure Bonds under Section 88 of the Income Tax Act, 1961 b. NABARD/ NHAI/REC Bonds under Section 54EC of the Income Tax Act, 1961 c. RBI Tax Relief Bonds Regular-Income Bonds, as the name suggests, are meant to provide a stable source of income at regular, pre-determined intervals. Examples are: a. Double Your Money Bond b. Step-Up Interest Bond c. Retirement Bond d. Encash Bond e. Education Bonds f. Money Multiplier Bonds/Deep Discount Bond Similar instruments issued by companies are called debentures. Features: Bonds are usually not suitable for an increase in your investment. However, in the rare situation where an investor buys bonds at a lower price just before a decline in interest rates, the resultant drop in rates leads to an increase in the price of the bond, thereby facilitating an increase in your investment. This is called capital appreciation. â⬠¢Bonds are suitable for regular income purposes. Depending on the type of bond, an investor may receive interest semi-annually or even monthly, as is the case with monthly-income bonds. Depe nding on ones capacity to bear risk, one can opt for bonds issued by top-ranking corporates, or that of companies with lower credit ratings. Usually, bonds of top-rated corporates provide lower yield as compared to those issued by companies that are lower in the ratings. â⬠¢In times of falling inflation, the real rate of return remains high, but bonds do not offer any protection if prices are rising. This is because they offer a pre-determined rate of interest. â⬠¢One can borrow against bonds by pledging the same with a bank. However, borrowings depend on the credit rating of the instrument. For instance, it is easier to borrow against government bonds than against bonds issued by a company with a low credit rating. â⬠¢There are specific tax saving bonds in the market that offer various concessions and tax-breaks. Tax-free bonds offer tax relief under Section 88 of the Income Tax Act, 1961. Interest income from bonds, upto a limit of Rs 9,000, is exempt under section 80L of the Income tax Act, plus Rs 3,000 exclusively for interest from government securities. However, if you sell bonds in the secondary market, any capital appreciation is subject to the Capital Gains Tax. â⬠¢bonds are rated by specialised credit rating agencies. Credit rating agencies include CARE, CRISIL, ICRA and Fitch. An AAA rating indicates highest level of safety while D or FD indicates the least. The yield on a bond varies inversely with its credit (safety) rating. As mentioned earlier, the safer the instrument, the lower is the rate of interest offered. Assurance In Bonds: This depends on the nature of the bonds that have been purchased by the investor. Bonds may be secured or unsecured. Firstly, always check up the credit rating of the issuing company. Not only does this give you a working knowledge of the companys financial health, it also gives you an idea about the risk considerations of the instrument itself. This knowledge makes for a better understanding of the available choices, and helps you take informed decisions. In secured instruments, you have a right to the assets of the firm in case of default in payment. The principal depends on the companys credit rating and the financial strength. Selling in the secondary market has its own pitfalls. First, there is the liquidity problem which means that it is a tough job to find a buyer. Second even if you find a buyer, the prices may be at a steep discount to its intrinsic value. Third, you are subject to market forces and, hence, market risk. If interest rates are running high, bond prices will be down and you may well end up incurring losses. On the other hand, Debentures are always secured. Interest payments depend on the health and credit rating of the issuer. Therefore, it is crucial to check the credit rating and financial health of the issuer before loosening up your purse strings. If you do invest in bonds issued by the top-rated corporates, rest assured that you will receive your payments on time. Risks In Bonds: In certain cases, the issuer has a call option mentioned in the prospectus. This means that after a certain period, the issuer has the option of redeeming the bonds before their maturity. In that case, while you will receive your principal and the interest accrued till that date, you might lose out on the interest that would have accrued on your sum in the future had the bond not been redeemed. Inflation and interest rate fluctuation affect buy, hold, and sell decisions in case of Bonds. Always remember that if interest rates go up, bond prices go down and vice-versa. Buying, Selling, And Holding Of Bonds: Investors can subscribe to primary issues of Corporates and Financial Institutions (FIs). It is common practice for FIs and corporates to raise funds for asset financing or capital expenditure through primary bond issues. Some bonds are also available in the secondary market. The minimum investment for bonds can either be Rs 5,000 or Rs 10,000. However, this amount varies from issue to issue. There is no prescribed upper limit to your investment-you can invest as little or as much as you desire, depending upon your risk perception. Bonds offer a fixed rate of interest. The duration of a bond issue usually varies between 5 and 7 years. Liquidity Of A Bond: Selling in the debt market is an obvious option. Some issues also offer what is known as Put and Call option. Under the Put option, the investor has the option to approach the issuing entity after a specified period (say, three years), and sell back the bond to the issuer. In the Call option, the company has the right to recall its debt obligation after a particular time frame. For instance, a company issues a bond at an interest rate of 12 per cent. After 2 years, it finds it can raise the same amount at 10 per cent. The company can now exercise the Call option and recall its debt obligation provided it has declared so in the offer document. Similarly, an investor can exercise his Put option if interest rates have moved up and there are better options available in the market. Market Value Of A Bond: Market value of a bond depends on a host of factors such as its yield at maturity, prevailing interest rates, and rating of the issuing entity. Price of a bondwill fall if interest rates rise and vice-versa. A change in the credit rating of the issuer can lead to a change in the market price. Mode Of Holding Bonds: Bonds are most commonly held in form of physical certificates. Of late, some bond issues provide the option of holding the instrument in demat form; interest payment may also be automatically credited to your bank account.
Wednesday, December 4, 2019
Innocence free essay sample
Something was wrong. She had been in there for far too long. Standing outside the bathroom door, I imagined what I would see and knew it would be what I never wanted to happen. I slowly pushed the bathroom door open, and there she was. Not the girl I knew, but a total stranger. A total stranger with one arm held over a sink and another arm gripping a small blade. Crimson liquid dripped down the sides of the sink, creating long, jagged lines almost like a morbid piece of abstract art. I look up at her face. She doesnââ¬â¢t look surprised, angry, or worried. Just calm. She gives me a half-hearted smile, and looks back at her arm. At this point, I did not know how I felt. My heart sank, but I wasnââ¬â¢t surprised, angry, nor worriedââ¬âall the things I thought I would be, and should be. We will write a custom essay sample on Innocence or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page One of my closest friends was cutting herself, bleeding out, right in front of me, and all I felt wasâ⬠¦ empty. I knew she cut herselfââ¬âI had seen the scarsââ¬âbut I have never seen the act. Of course I wanted her to stop. What kind of friend would I be if I didnââ¬â¢t? But I stupidly kept my mouth shut. I calmly walked over, took her arm, and started to help her cleanse off the blood. She stared at me blankly, like she wasnââ¬â¢t even a part of this world. What if soon she wasnââ¬â¢t? Where was the girl I met on the very first day kindergarten? My memories recall a bubbly little girl with short curly hair and an adorable smile and how plopped down on the carpet next to me and asked that fateful question, ââ¬Å"Will you be my friend?â⬠From then on, we formed an eternal bond that would last for a lifetime. I never imagined that this would happen in our future. How could I be so naive to think that we would stay innocent forever? Instead of facing the harsh reality, I created my ideal world. I created an elaborate, misconceived illusion of innocence. Innocence that was only a fantasy, a fanciful, blissful mythical concept. I cannot recall another time that I had been so completely close-minded. It was not my friend who was at fault here, it was me. She was trying to break away from all preconceived notions of our childhood, while all I did was blindly hold onto our euphoric childhood for dear life. But it is time to face the facts, it has since been a long ti me since we were ever actually innocent. I just never allowed myself to open my eyes wide enough to see it.
Thursday, November 28, 2019
Attract Great Talent with Great Content
Most companies use content marketing to attract potential customers. But the most successful businesses also use content to improve their reputation as an awesome employer and attract the top talent they need to be successful. Increasingly, posting a vacancy on a job board and waiting for the applications to roll in doesnââ¬â¢t cut it. Today, many job seekers you want are simply bypassing recruitment websites in favor of search engines, social media and company websites. Others arenââ¬â¢t even actively looking for jobs because theyââ¬â¢re already employed. This is why an increasing number of HR managers and recruiters are using multi-channel content marketing to get great talent excited about submitting an application. Diverse Content for Diverse Candidates Like any other kind of marketing, one of the best ways to attract the audience you want is to develop content that they will be interested in. This means creating different types and developing different channels like: A company blog An employee blog A company podcast Social media posting Case studies Video testimonials Even if youââ¬â¢re not currently hiring, creating content that makes potential employees aware of your brand before theyââ¬â¢re looking for work will make your future recruiting job much easier. General Electric is one of the best at this. In 2014, the global digital industrial company created a Tumblr account around the theme of ââ¬Å"Spring Break It,â⬠using striking videos to show household items being smashed using advanced materials testing equipment. Colleges and engineering firms began to share the videos, which clicked with engineers and non-engineers alike. It put General Electricââ¬â¢s Advanced Materials Division on the map for a lot of young engineers and potential employees. Identify the types of people your company needs to attract today and in the future. Then, create content that not only shows off the perks of your workplace but also demonstrates the mission, passion and excellence of your company. People want to work for leading and ââ¬Å"coolâ⬠workplaces that align with their values, so you need your content to showcase this. One example of this is Evernote. The note taking company consistently uses their Instagram to show off their office, company events and fan content. With over 38,000 followers and hundreds of interactions on each post, this honest content keeps followers engaged. To really give candidates an inside look at Evernoteââ¬â¢s culture, the ââ¬Å"LifeatEvernoteâ⬠hashtag shows off more casual moments at the office and offers a closer look at what the company truly values. How to Get Noticed Once you have content that shows how great it is to work at your company, you need to make sure itââ¬â¢s seen by the people you want to hire. LinkedIn is an important network to showcase your company, as itââ¬â¢s geared toward professional communications. However, donââ¬â¢t ignore the recruiting power of other social platforms. Deloitte, the international financial services company, uses Twitter to post job vacancies and links to blog posts. Their Facebook page delivers content aimed at potential candidates and they post employee testimonials on YouTube. This content mix across social media humanizes the company and makes it more attractive to potential employees. Lââ¬â¢Oreal created the Instagram hashtag ââ¬Å"LifeatLorealâ⬠to encourage employees to share photos and stories of their work within the company. Their Instagram traffic rocketed and the benefits of working at Lââ¬â¢Oreal reached a much wider audience. As with any marketing strategy, you should measure the results. Use analytics software to track application form submissions and determine where your visitors arrived from to see which content and channels worked best. So, while content marketing is key to reaching customers, it can also play a major role in your recruiting efforts. When you deliver the right content to the right channels, youââ¬â¢ll prove your value as an employer and attract the right kind of talent to your team.
Sunday, November 24, 2019
The basic reasons for the collapse of the soviet Essay Example
The basic reasons for the collapse of the soviet Essay Example The basic reasons for the collapse of the soviet Essay The basic reasons for the collapse of the soviet Essay Introduction This paper discusses the grounds behind the prostration of socialism in Europe. The first portion analyses the internal decay by looking at the economic system, inefficiency of the system, suppression, denial and dishonesty, patriotism, Brezhnev epoch, resistance every bit good as the Gorbachev epoch. The 2nd portion analyses external taint, concentrating on western influence and the function of faith. Finally, the paper describes the domino effect , which led to entire prostration of the socialist governments. INTERNAL DECAY Economy Probably the most of import long-run implicit in inadequacy of the province socialist societies was the autumn in the rates of economic growth ( Lane 1996:152 ) . Harmonizing to Brown ( 1991 ) , the system had non been able to set up rational and satisfactory criterions of life and run into the lifting popular outlooks. The economic theoretical account which was adopted was cardinal planning, corporate agriculture, province ownership and centralized direction of the production and distribution system. This resulted in omnipresent genteel poorness for the multitudes ( Neimanis 1997 ) . The industrial and technological advancement neer created a sufficiency of consumer goods and services and the criterion of life got stuck in communal flats and long lines in shops. The state of affairs across Eastern Europe was made even more hard in 1980s, with the Soviet Union unable to supply economic aid due to its ain crisis ( Brown 1991 ) . The socialist provinces were non able to guarantee freed om from unemployment, the one promise they lived up to throughout their being ( Glenny 2004 ) . When Gorbachev was elected secretary of the communist party of the Soviet Union in 1985, he inherited an tremendous backlog of jobs ( Dawisha 1990 ) . The bulk of the scientific communityââ¬â¢s attempts have been directed at military demands and the Soviet weaponries buildup was excessively expensive to keep ( Longworth 1994 ) . Neither overall economic returns nor indirect costs to wellness and environment were given adequate accent. The public assistance system had become excessively dearly-won. Furthermore, it could no longer afford to subsidize the remainder of the axis with inexpensive energy that was frequently supplied on recognition. Harmonizing to Kotz ( 1995:2 ) , the recent rejection of planning and public belongings by many socialists appears to derive from the belief that the cause of the prostration of province socialism was its trust on economic planning and/or public belongings, with really limited functions for markets or private property . Inefficiency The system failed to call up ( Neimanis 1997 ) . It failed to choose skilled people for cardinal places. Harmonizing to Columbus ( 1998 ) , the educational system was successful in bring forthing intellectuals, but the planning and labor market system was unable to offer them an tantamount occupation. Peoples did non hold to work really hard and it was this disaffection from work and personal duty that created cancerous inefficiencies that finally killed the system(Neimanis 1997, Lane 1996) .Furthermore, callings were closely dependent upon the party which used this as their vehicle to remain in power ( Kupferberg 1999 ) . Harmonizing to Kotz ( 1998 ) , the governments were a deformed signifier of socialism, in that it was run by a privileged party-state elite and it had inhibitory, undemocratic and hierarchal characteristics that were foreign to socialism. Suppression Brown ( 1991 ) argues that for the remainder of Eastern Europe, the fact that socialism was regarded as foreigner in kernel and alien-imposed was a basic ground for its eventual failure. The government was imposed by Soviet forces of weaponries. In 1968, Breznev called for a soviet-led invasion against reform in Czechoslovakia, known as the Prague Spring, signaling Moscowââ¬â¢s refusal to let any Eastern European government to seek to renew itself. This, nevertheless, ensured a quicker death for socialism and its entire prostration in 1989. This is why in Yugoslavia and Albania, the merely two Eastern European states who did non hold Soviet-imposed systems, socialism was still lasting by the terminal of 1989. Harmonizing to Kupferberg ( 1999 ) , socialism neer asserted that sort of clasp over the Black Marias and heads of the population in Eastern Europe. They bribed and coaxed its citizens into obeisance, non defying until each and every one of them was personally committed to as sisting the province to last. Denial and Dishonesty Under the Soviet government, the leading at all degrees rarely learned from experience because failures and defects were systematically denied ( Neimanis 1997:3 ) . The public media reported and the instruction system substantiated and legitimised the studies that the USSR marched from success to success. Harmonizing to the Soviet imperativeness and official statistics, no serious accidents, no serious offense, and really few natural catastrophes occurred. That is why Khrushchevââ¬â¢s address at the 20ThursdayParty Congress in 1956, in which he revealed and denounced Stalinââ¬â¢s offenses, perfectly stunned the party members. The Communist party leadings refused to acknowledge that the working category lived in more seamy conditions, take a breathing in more detrimental air and imbibing more toxic H2O, than western working category ( Glenny 2004 ) . Denial and dishonesty continued during Brezhnevââ¬â¢s reign, including prevarications about indigence in the West. Patriotism Nationalism bit by bit filled the nothingness in thought in the districts of the USSR and some of the Eastern European provinces ( Lane 1996:173 ) . Harmonizing to Glenny ( 2004 ) , the Eastern Europe was non a cultural and political monolith. The rebellions in East Germany, Poland, Hungary and Czechoslovakia from 1953 to 1981 demonstrated the mutual exclusiveness between Soviet involvements and East European national aspirations ( Glenny 2004, Brown 1991 ) . The more they were suppressed, the more deadly and utmost resistance became ( Dawisha 1990 ) . When the drape came down, national symbols that had been adapted by the Communist party were restored to their original signifier. The ties that used to adhere the Eastern European states loosened about nightlong. The 1989 was the finest hr of Eastern European patriotism, when the natural desire for release was expressed through a reaffirmation of national identity ( Glenny 2004:204 ) . As National and cultural tensenesss continued to show Gorbachev with some of his most hard political jobs, many of the cultural jobs facing the USSR resulted from comparative success in raising the educational degrees, increasing the economic complexness, and using the function of media in national countries ( Balzer 1991, Neimanis 1997 ) . New elites in these parts, instead than showing gratitude to Moscow, became progressively self-asserting. In 1980s more extremist reforms called for abolition of the cardinal program and cultural and political liberty ( Neimanis 1997 ) . Lithuania declared independency in 1990, while Estonia and Latvia started to move as independent provinces. In August 1991 there was a push to reconstruct the floundering system but the multitudes and the ground forces did non react. This asserts that they judged the system as non deserving keeping. Brezhnev Harmonizing to Brown ( 1991 ) , it was Brezhnev who destroyed whatever attractive forces communism as an political orientation still retained. However active he was, nil positive came out of his actions. His scheme led to an economic catastrophe in the 1980s. Furthermore, he ever made bad judgements of a crisis. In 1967 he failed to detect that the spring was coming and subsequently he was slow in gaining that it had arrived. In 1976, he was ready to shut his eyes and listen to Pole president Gierekââ¬â¢s bland reassurances. Resistance The insufficiency of resource direction led to a crisis in the loyalty-solidarity system ( Lane 1996:156 ) . Significant groups of people felt that the wagess did non fit the needed outgo of energy and committedness. The economic failure and force per unit areas from the Soviet Union stimulated and amalgamate social resistance in most Eastern European states. After the soviet-led invasion in Czechoslovakia in 1968, force per unit area for alteration did non arise from within the system but from the exterior, in the streets, the mills and in the circles of ill-affected intellectuals ( Brown 1991 ) . It brought together intellectuals, immature people and many workers. The Magyar Revolution in 1956 was the first act of the play of Eastern Europe and socialist regulation. Furthermore, Solidarity, a Polish phenomenon, was a effect of the suppression of the Czechoslovakian reform in 1968. Polish intellectuals cooperated with the workers in order to put up and rede the Solidarity. The growi ng of the population, the rise in degrees of urbanization and the quality of instruction created a big professional center category, and immature coevalss more receptive to thoughts of the market ( Lane 1996 ) . It was dissenters and their thoughts that influenced Gorbachevââ¬â¢s reforms ( Horvath 2005, Balzer 1991 ) . They violated long-standing tabu and put new criterions of bravery. Gorbachev borrowed the term glasnostââ¬â¢ obviously from the dissenters. After two decennaries of their protest, constructs of democracy, human rights, the regulation of jurisprudence and glasnost were widely understood. The perestroika old ages were dominated by publications like Glasnost and Ekspress-Khronica, which were founded and edited by dissenters. The resistance besides in secret came from within the authorities itself. Harmonizing to Longworth ( 1994 ) , the flicker which ignited the Czech revolution, the decease of a pupil demonstrator at the custodies of the constabulary, was faked by KGB agents working in concurrence with the Czech secret constabulary. Gorbachev The concluding phase of the prostration of the Soviet Union had been coming since 1985 when Mikhail Gorbachev came to power and initiated his policies of openness and restructuring ( Longworth 1994 ) . The kindling was already at that place, but it needed Mikhail Gorbachev to illume it ( Brown 1991:4 ) . He called for practical strengthening of socialism in all domains: economic, political and religious ( Balzer 1991 ) , every bit good as the edifice of dealingss with Eastern European states ( Dawisha 1990 ) . There were, nevertheless, a few cardinal issues. The restructuring enabled the engagement of civil society ( Balzer 1991 ) . Gorbachev besides met with church leaders and encouraged the turning activism by many spiritual groups. Informal administrations excessively became a major characteristic of restructuring , going a critical portion of political life and a preparation land for new political militants. In October 1989, the Communist party of the Soviet Union besides decided to abandon its political monopoly in relation to other Eastern European provinces. Harmonizing to Kotz ( 1998 ) , the attempt to reform the Soviet economic system created conditions in which a pro-capitalist alliance arose in Soviet society. This alliance gained strength during 1989-1991, eventually taking power at the terminal of 1991, including most of the clerisy, plus the shadow economic system operators. The party-state elite had come to dwell chiefly of people interested in power and stuff privileges, which were limited compared to those of the category that runs the capitalist systems of the West. Leveling the old system and replacing it with capitalist economy enabled them to go proprietors, instead than directors of the economic system, with a large expected addition in personal wealth. EXTERNAL CONTEMINATION Western Influence The really being of Western Europe was a destabilising factor in the East ( Brown 1991 ) . Detente was in topographic point to supply a safe conformance in Eastern Europe. However, Detente had ever weakened socialism ( Brown 1991 ) . The decennary of detente in the seventiess tended to do some governments obliged to the West, particularly in the economic sense, and therefore more tolerant of social dissent than they would otherwise hold been ( Brown 1991:26 ) . The rise in the degrees of mass communications informed the people about life in the West, which became for them the ideal ( Lane 1996 ) . Western plans became accessible in the GDR, Czechoslovakia, Hungary and the Baltic provinces through telecasting. Video recording equipments gave entree to Western movies. The dad compulsion and wind devotedness were large parts of the multinational ethos. Much more unsafe and insurgent was the nexus between this musical passion and the sound and videocassette phenomenon, as they were used for more direct political propaganda ( Brown 1991 ). Furthermore, the West imposed between itself and the East a assortment of limitations and trade barriers that kept a tight palpebra on commercial ties ( Glenny 2004 ) . The West used political standards to make up ones mind which states would be granted good trading agreements, using political force per unit areas on Eastern European states. One of the most powerful facets of western influence was the indebtness of Eastern European authoritiess to the West ( Glenny 2004 ) . The Poles, Hungarians, Romanians, Bulgarians and the Former Yugoslav provinces accepted the offer of big credits in 1970s. Almost all ordinary Eastern Europeans have suffered badly from debt. By mid 1989, merely 6 months before Ceausescuââ¬â¢s autumn, Romania had paid off most of its debt but merely at the cost of an dismaying squeezing on life criterions that had left the population cold, hungry and finally ready for revolution. ( Glenny 2004 ) Religion By the terminal of 1970s, faith was playing an progressively of import function by pulling turning Numberss to it ( Brown 1991 ) . In Poland Catholicism had historically been interwoven with patriotism, as it had in Slovakia and Croatia. The election of John Paul II immeasurably strengthened the assurance of the Poles. THE DOMINO EFFECT The Collapse of Socialism The 1989, revolutions in Eastern Europe could non hold occurred without the beginnings of revolution in the Soviet policy toward Eastern Europe ( Brown 1991, Longworth 1994 ) . Developments in the Soviet Union made the Eastern European revolutions both inevitable and successful. Gorbachevââ¬â¢s unfavorable judgment of conditions in the USSR and his call for extremist reform automatically legitimised unfavorable judgment of bing governments and policies in Eastern Europe. Since the Soviet Union itself was rejecting the ideological rigidnesss of Marxism-Leninism , giving range to democratic resistance and encouraging free endeavor and foreign investing, it was no longer allow for its orbiters to retain the old patterns. They wanted non socialism but democracy, non the East but the west, non a new relationship with the Soviet Union but their ain independency, with every bit small of the Soviet connexion as geopolitical worlds would permit ( Brown 1991:54 ) . It was so that the domino es began to fall. One by one, most of the socialistsââ¬â¢ authoritiess in the Eastern Europe collapsed ( Longworth 1994 ) . Poland and Hungary went foremost, followed by GDR and Czechoslovakia, and so Bulgaria and Romania. Decision The first ground for the prostration of socialism in Europe was internal decay. Harmonizing to The system had non been able to set up higher criterions of life and run into lifting popular outlooks. The system was besides inefficient, neglecting to call up and promote personal duty. Socialism was regarded as foreigner in kernel and imposed on in Eastern Europe. Failures and defects were systematically denied. Eastern Europe was non a cultural and political monolith and there was an mutual exclusiveness between Soviet involvements and East European national aspirations. It was Brezhnevââ¬â¢s incapableness that destroyed whatever attractive forces communism as an political orientation still retained. Actions and thoughts of dissenters influenced Gorbachevââ¬â¢s reforms that led to the prostration of the socialism in the Soviet Union. The 2nd ground for the prostration of socialism in Europe was external influence. The presence of Western civilization, enabled through mass communications, had annihilating effects. Furthermore, the West-imposed limitations and trade barriers applied political force per unit areas on Eastern European states. One of the most powerful facets of Western influence was the indebtness of Eastern European authoritiess to the West. Religion by the terminal of 1970s was playing an progressively of import portion, pulling turning Numberss to its different signifiers. Socialism eventually collapsed in Europe due to domino effect . Gorbachevââ¬â¢s unfavorable judgment of conditions in the USSR and his call for extremist reform automatically legitimised unfavorable judgment of bing governments and policies in Eastern Europe. Bibliography Balzer, H.D. ( 1991 ) ,Five Old ages that Shook the World: Gorbachevââ¬â¢s unfinished revolution.Westview Press. Brown, J.F. ( 1991 ) .Rush to Freedom: The terminal of communist regulation in Eastern Europe.Duke University Press. Columbus, F. ( 1998 ) .Central and Eastern Europe in Passage: Volume 1 ( erectile dysfunction. ) .Nova Science Publishers, Inc. Dawisha, K. ( 1990 ) .Eastern Europe, Gorbachev, and Reform: The great challenge ( ed. ) .Cambridge University Press. Glenny, M. ( 2004 ) .The Rebirth of History: Eastern Europe in the age of democracy.Penguin Books. Horvath, R. ( 2005 ) .The Legacy of Soviet Dissent.Taylor and Francis Group. Kotz, D.M. ( 1995 ) .Lessons for a Future Socialism from the Soviet Collapse.Review of Radical Political Economics, Vol.27, Iss.3, pp.1-11. Kupferberg, F. ( 1999 ) .The Break-Up of Communism in East Germany and Eastern Europe.St. Martinââ¬â¢s Press Inc. Lane, D. ( 1996 ) .The Rise and Fall of State Socialism.Polity Press. Longworth, P. ( 1994 ) .The Making of Eastern Europe.The MacMillan Press LTD. Neimanis, G.J. ( 1997 ) .The Collapse of the Soviet Empire: A position from Riga.Praeger, UK.
Thursday, November 21, 2019
Foster Youth and why they are not succeeding in their Education- Research Paper
Foster Youth and why they are not succeeding in their Education- - Research Paper Example For practically all young individuals, the finale of adolescent life means becoming a part of the employment world, vocational preparation, or post-secondary education. But many are neither in school nor at work, especially among foster youth. A large number of children presently in foster care in the United States are among the highly vulnerable youth in the country (Whiting, 2000). Studies reveal that adults who were previously foster children are more prone to experience low quality of life compared to the mainstream population (Staub & Meighan, n.d.). Thus foster youth are more at-risk of becoming involved in criminal activities, homeless, or reliant on welfare services (Courtney et al., 2010). This paper analyzes the academic performance of youth in foster care and the causes of the observed low educational attainment of these foster youth. Human capital is obviously necessary for success during the passage toward adulthood, yet researchers on previous foster youth discover low academic performance and that they perform poorly in comparison to the general population. Besides proving that previous foster youth have a lower level of educational achievement, most researchers report that they are less able to finish high school or pass the General Education Development (GED) exam (Zeitlin, Weinberg, & Kimm, 2004). Foster youth confront numerous difficulties or challenges throughout their lives. There are an approximated 500,000 foster care children in the U.S. (Finkelstein, Wamsley, & Miranda, 2002, 1). A large number of them have experienced maltreatment and other ordeals both prior to and after they were transferred to foster care, and numerous have particular social, emotional, and medical needs. However, of all the problems foster youth encounter, poor academic performance could have the most severe impact on their liv es. For youth in long-term foster care, a serious problem is the tough transition from
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