The Benefits of Studying Abroad free essay sample

Nowadays, studying abroad has become popular. Every year, lots of parents are trying their best to send their children overseas to complete their studying. Most people may think that it is better to further their studies in overseas country than in their own country. As an international student to study in NTNU, I definitely agree that there are many benefits of studying abroad. First of all, we can learn new knowledge about another culture and improve our skills of using a second language, by daily interaction with local people. You can meet new friends of different countries and learn different customs from them. It is definitely the best way to gain foreign experiences and language during overseas studying. Secondly, the learning atmosphere and resources are better in foreign countries. On the other hand, teaching methods and systems in other places are different, and this may provide students a better environment to study. We will write a custom essay sample on The Benefits of Studying Abroad or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page You can also learn advanced knowledge when studying overseas since foreign countries are more progress. Last but not least, you can learn to be an independent person. To studying abroad means that you have to leave your home. Without parents’ helping, you have to learn how to do housework and take care of yourself. This is a good training for us to be a more mature person. As a conclusion, studying overseas is definitely a good choice. It can provide us chances and great environment to study and learn new culture. The ability of self-dependence can also be improved. You can earn many experiences when studying abroad, and I can sure that you will benefit a lots. If you have hesitation to study in foreign countries, just take action and you will find that your great future is not far away!

Investment Analysis Portfolio Management Essay Example

Investment Analysis Portfolio Management Paper August 08, 2010 Mr. Saif Rahman Faculty School of Business North South University Dhaka Subject: Letter of transmittal Dear Mr. Saif Rahman Here is the term paper on investment analysis portfolio management from 31st may to 1st august. Now you will see that we have collected stock information and calculate relative things to evaluate our performance. We think that if anybody want to invest in the DSE , this term paper can help them to make decision whether or not they will invest or not and what strategy should they follow. Finally, we are also very much satisfied to have the scope of doing this investment which gave us the practical flavor like working in a real workplace. We really hope that you will enjoy reading our term paper as much as we had enjoyed doing it. Thank you very much, for giving us such an opportunity to complete such an interesting term paper. Sincerely yours Mohammad Saifujjaman073 442 030_____________________ M. Ashikur Rahman081 076 530_____________________ Wael Ahmed081 256 030_____________________ M. Shafayet Hassan081 305 030_____________________ Acknowledgement We would like to thank all the authors of the journals, books and articles that are secondary sources from where we have collected necessary information regarding our term paper. Also we would like to thank the fellow classmates who helped us when we faced any problem. Our report was the endeavor of a great experience on both the practical and the theoretical field of portfolio investment simulation. The completion of the project was much owing to our instructor Saif Rahman. It is through his viewpoint that a prolonged part of the report could be completed. We will write a custom essay sample on Investment Analysis Portfolio Management specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Investment Analysis Portfolio Management specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Investment Analysis Portfolio Management specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We give our utmost gratitude and respect to our honorable instructor for giving us his prolonged time behind teaching us every step in developing this report. Without his support and advices this report could not have been completed so successfully, timely and completed with accuracy as we predict. All of our team members have put their greatest efforts to the finishing of the project with such devotion, target, energy and their participation that is possible. This report was thus a combined effort and therefore all the credit of our accomplishment spreads to all the helping hand of the participants. Introduction This paper constitutes the maintenance of an efficient portfolio of stocks, dedicated to investors who are willing to invest in the Dhaka Stock Exchange (DSE). The duration of the portfolio was for two months starting from 31st May 2010 till 1st August 2010. The initial investment consisted of 10, 00,000 BDT with a preset condition of maximum limit of 1, 00,000 BDT on a particular stock. That is, a maximum of 10% of the total investment could be allocated on any stock to ensure proper diversification of the portfolio, presenting a risk free investment for the investors. After the initial investment which was the first phase, there were another two phase. At the first phase, statistical analysis of the stocks in the portfolio, for instance correlation and covariance, presented some investment drawbacks which resulted in the investment on some new stocks by generating cash from the sale of some existing stocks for the initial portfolio. Although the stocks generated a return of 4. 52% but the positive correlation among the stocks were alarming indicators of improper diversification. The new portfolio continued through the second phase till the end. The second portfolio was continued to third portfolio without any change because of the current market situation and different trading strategies insist us to do this. In the second phase other than some few stocks like BATBC and DBH all other stocks generated very little capital gain and even some had negative return. Therefore it was necessary for the stocks to reach its full potential of and by the end of the third phase the portfolio generated 16. 2% return before tax against an expected return of 6%. This shows that in amidst all the fluctuations of economic variables and market situations the portfolio was well managed. Objectives In this term paper our objective is: o The primary objective of this project is to evaluate our performance as investment managers o To impose theoretical knowledge into practical life o To become acquainted to corporate activities o How To select stocks to buy o How to make a portfoli o with minimum risk by diversification. o Using strategy of trading To improve skills in analyzing investment opportunities as well as become experienced in making term paper o To develop our skill in using analytical tools and techniques for analyzing portfolio management problem Methodology We tried our level best to follow the instruction or this term paper. Collecting primary data was really difficult and troublesome; we used all secondary data for this topic. For this project, we first planned and decided where to go and how to go. I prepared a schedule accordingly. Collecting secondary data was not that easy also. At first we went to Dhaka Stock exchange (DSE), and collect the trade information from the library of DSE. We also collect the current price of share at the end of the every trading day. For calculating the rate of return, utility, beta, co-relation among stocks we use different formula and Microsoft office excel. By applying subjective judgment some data are assumed that are not given in the case. Limitations ? A lot of information regarding industry, economy, and company are required. ? We have put our optimum effort to formulize the available information ? At last, the time was not enough for this analysis. If I got more time for that I could have prepare a better ratio analysis. ? Many analytical techniques and tools are needed to apply to get appropriate result but due to our lack of practical knowledge our analysis may not be a highly efficient one. Asset Allocation Asset allocation is the strategy used in choosing between the various kinds of possible investments, in other words, the strategy used in choosing in what asset classes such as stocks and bonds one wants to invest. As, in this term paper we allocate our asset only in the stocks. We used the bottom up approach to select the stocks. We also measure the P/E ratio to choose the stocks. We also take in to consideration return on the stocks. In the first portfolio we didn’t do deep research. To ensure the diversification we allocate our first 10, 00,000 BDT in 10 different industry and 13 different company. You will get the details allocation from the appendix. In the second portfolio, by calculating correlation we add another industry that means 11 industries and maintain 13 companies to make the portfolio more diversified. For the market position we carry on the same portfolio in the 3rd phase. All of this invested portfolios details is available in the appendix. Macroeconomic Industry Scene Presently, Bangladesh is witnessing a sustained growth rate in the region with increasing foreign investments in the country and a shift from agricultural based economy to industry based economy. The macroeconomic policies being undertaken and the political stability has been a driving force in this recent phenomenon. That’s why so many companies are enlisting their self in DSE. For investment we measure some macro economic factors like interest rate, demand, supply, tax rate, inflation etc. which were pretty much in favor for investment. I. Inflation: Inquiry has proved that there is a negative relation between inflation and stock prices. We assume similarly: an increase in the rate of inflation is likely to lead to economic tightening policies, which in turn increases the nominal risk-free rate and hence raises the discount rate in the valuation model. The effect of a higher discount rate would not necessarily be neutralized by an increase in cash flows resulting from inflation. II. Money Supply: Bangladesh’s Economy the relationship between money supply and stock returns can be simply hypothesized that the growth rate of money supply would affect the aggregate economy and hence the expected stock returns. III. Interest Rate: Interest rates can influence the level of corporate profits which in turn influence the price that investors are willing to pay for the stock through expectations of higher future dividends payment. Most companies in DSE finance their capital equipments and inventories through borrowings. A reduction in interest rates reduces the costs of borrowing and thus serves as an incentive for expansion. This will have a positive effect on future expected returns for the firm. IV. Exchange Rate: We theorize a positive relation between the exchange rate and stock prices. A depreciation of the Bangladesh TAKA (BDT) will lead to an increase in demand for Bangladesh’s exports and thereby increasing cash flows to the country, assuming that the demand for exports is sufficiently elastic. Alternatively, if the BDT is expected to appreciate, the market will attract investments. Industry Scene: We invested eleven different industries in total in our three phases. Those industries were Fuel Power, Cement, Bank, Financial Institution, and Food allied, Tannery Industries, Textile, Insurance, Engineering, and Pharmaceuticals Chemicals. The reason behind investing in this type of industries is on that time the for this industries companies shares demand was relatively low than others as a result price was low, and this industries are not dependent each other’s market position though which helps us to make a more diversified portfolio. Trading Strategies The main tool used in the trading of stocks in all the phases is the Price-earnings ratio. Stocks that had a P/E ratio of less

Social Loafing free essay sample

Working in groups is essential in the business world and in general many of the tasks that humans face cannot be accomplished alone. Although group projects are essential, they can harbor difficulties in communication, time management, coordination and other aspects. One phenomenon that can occur while working in groups is called social loafing. It is the conscious or unconscious decrease in exerted effort in group settings due to the decrease in social awareness. These individuals may exert much more effort when working by themselves but when in a group setting they feel less of a need to do so. Social loafing is a complex physiological subject that is very prevalent in group settings. Social loafing is caused by task interdependence, task visibility, and group size. Although it can be detrimental to the group, there are different tactics to help prevent and cure social loafing. Social loafing is the tendency to reduce individual effort when working in groups compared to the individual effort used when working alone. We will write a custom essay sample on Social Loafing or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page It is similar to ‘free riding’, a concept in which an individual does not bear a proportional amounts of work but shares all of the benefits of the group. Many studies conclude that individuals frequently exert less effort on collective tasks. An early example done in 1913 by a German researcher tested the size of a team verses the effort expended. He had teams do a rope pulling experiment and noted that was the number of group members increased, there was a decrease in overall performance. Social loafing is caused by a few different psychological tendencies. The first is called task interdependence. This is the degree of task-driven interaction among group members. If individuals perceive their tasks as more interdependent, they may find it difficult to feel a sense of personal achievement in their work. They may withhold their effort when conditions do now allow them to exhibit their accomplishments. With high task interdependence, individuals may feel that their efforts are indistinguishable from their coworkers. The second tendency is called task visibility. It is an individual belief that a supervisor is aware of their efforts. When tacks are not highly visible by others, they may not want to exert a high level of effort because there is no punishment from exerting low effort. Lastly, the size of the group can have an effect on social loafing. As a group size increases in size, individuals feel more anonymous and therefore contribute less consciously or unconsciously. It may also be more difficult to assess each group member’s contribution to projects when there are lots of members. The issue of social loafing is easily remedied if a few precautions are taken for group projects. It is important to articulate a role to each individual in the group and how that role plays a part in the completion of the group goal. Within each of the roles given to members, they should have specific, short-term, deliverable and measurable goals that can be tied directly to that individual. Evaluate each person based on these individual goals and reward those that meet and surpass their goals. Lastly, keeping the groups at a reasonable size for the task can prevent social loafing. If everyone in the group has a task, they will be less likely to cause social loafing. In conclusion, Bibliography http://www. radford. edu/~jaspelme/_private/gradsoc_articles/social%20loafing/Individual%20differences2. pdf http://comm. colorado. edu/~kuhnt/1600/liden. pdf http://www. joshuakennon. com/mental-model-social-loafing/

20 Environment Project Topics on Waste Management

20 Environment Project Topics on Waste Management Welcome to the second article in the three part series covering the subject matter of waste management. This article will discuss the meaning of waste management; provide 20 environment project topics and a sample article on how to go about drafting any of the topics for your own particular project. Waste management are all the processes involved with managing waste- both solid and liquid- from its inception to its final disposal. The problem of efficiently managing waste is a global one which means it is up to every individual to discuss the need for efficiency in a bid to raise awareness on its effect on earth’s ecosystem. To simplify the task of handling a project on waste management, 20 environment projects will be outlined below which you can chose from if any difficulties arise in coming up with your own. The support doesn’t end there, for a sample written project will also be included in the concluding parts of this article to provide you with an excellent example on how to proceed with yours. As expected, all educational projects are scored for their originality and lack of plagiarism. So it is expected that you use this article as a guideline to provide the needed directions as you progress with your project. So here are the 20 topics on waste management: The Importance of Waste Management to Environmental Sanitation Evaluating the Problems of Solid Waste Management on the Global Stage The Need for Effective Waste Management Policies The Environmental and Health Effects of Waste Management The Importance of Recycling to Waste Management Environmental Impact of Waste Disposal How to Develop an Effective Waste Management and Disposal Strategy Why the Reuse and Recycling of Plastics Are Essential to Waste Management How Paper, Metal, Wood, Glass and Plastics Are Recycled The 3Rs of Managing Solid Waste: Reduce, Reuse and Recycle The Impact of Recycling in Preserving the Environment Integrating Economic Incentives to Promote Recycling in Waste Management Discussing the Waste Management Expectations of the Future How Creating Recyclable Products Support Effective Waste Management The Impact of Inefficient Waste Management to Oceans Managing Electronic Waste to Ensure Green Computing Recycling and Reuse: Alternatives to Waste Management The Effects of Solid Waste to Business Environments Landfill Emissions and Their Impact on the Environment Waste Management and its Effects on Economic Growth These 20 topics should be viewed as environment project topics on waste management and they were provided to aid you in your choice of coming up with a topic for your personal project. Therefore, you can either pick a topic directly from this list or modify one to fit your writing needs. If you’d like to gather more info on the subject, we have a set facts on waste management for an environmental project and a separate project guideline piece should you need one. Also take note that below is a sample project written using a topic from this list as its inspiration. Sample Environmental Project: Reduce, Reuse and Recycle or the 3Rs of Managing Solid Waste This project was written as a means to introduce the ‘3Rs’ of waste management to the public’s awareness. Although most people are now familiar with the term recycling, which is a part of the 3Rs, knowledge on the remaining two which makes up this trinity are still obscure to a large subset of our population. The R’s in the trinity of the 3Rs are acronyms for the term Reduce, Reuse and Recycle as can be seen in the topic heading of my project. And the meaning and the role they play on solid waste management will be discussed in the following paragraphs. Globally, humans of the world are currently producing more garbage or solid waste that now test the capacity of our landfills and studies have shown that the traditional methods of waste disposal such as the use of incinerators and burying garbage could affect the environment and our health negatively. These negative effects are due to gas emissions from incinerators and noxious smells which is why it is very important for there to be more eco-friendly alternatives to manage waste. This need has in part been met by the 3Rs- Reduce, Reuse and Recycle- which in terms of waste management mean: Reduce- as individuals we should buy only what we require thereby reducing the household waste we produce. Reuse- if we need to acquire goods, purchasing used ones or eco-friendly substitutes is encouraged or we can reuse our old packages in creative ways. Recycle- when discarding waste, we must consider ways of recycling or reusing them before taking the last option which is to discard. Applying the 3Rs in Everyday Conduct Many nations have begun to integrate the 3Rs into their official waste management policies, some examples include the Environment Protection Agency (EPA) in Ireland and Mexico’s Solid Waste Act which were put into place to drastically reduce how waste was produced and managed in these countries. The 3Rs can be applied in line with government policies in the following ways: Reduce: manufacturing companies are tasked with reducing the amount of raw materials used in making products from scratch. Then individuals should consider not purchasing products that can be replaced by technology or the reuse of other items. An example is opting out of your local phonebook or TV guide subscription lists which are now easily accessed online. The average person in the United States throws away 600 times the size of his or her body weight in garbage and reducing what we buy will drastically affect these numbers. Reuse: unlike recycling, the alternative to reuse items is yet to catch on in consumer societies but individuals can take the first step reusing containers, giving outgrown clothes to friends or charity as well as donating electrical appliances or furniture to people in need. A reuse policy can also be initiated by the government thereby reducing the approximately 50 million tons of electronic waste produced globally. Recycling: manufacturing and purchase of recyclable products have been given a lot of media exposure in the past as well as currently and this has improved the waste management practices on the global scale. Countries such as Switzerland, Germany and Holland currently recycle 60% of the total waste its citizen’s produce and if this could be adopted by more nations, the earth’s ecosystem will definitely be healthier for all. The 3R are procedures every one of us can implement in his or her household without incurring any extra expenses. So what stops you from reusing that old can, donating to Salvation Army or using the recycle bins at work? References: Jean, B. (2013). Waste Management. https://www.ipcc.ch/pdf/assessment-report/ar4/wg3/ar4-wg3-chapter10.pdf Galle, J. Samuelsson, B. (2001). Measurements of methane emissions from landfills. Hoornweg, D. (1999). What a waste: solid waste management in Asia Huang, Q. Wang, L. (2006). The current situation of solid waste management in China. Johannessen, M. Boyer, G. (1999). Observations of solid waste landfills in developing countries: Africa, Asia, and Latin America. Monhanty, C. (2011). Reduce, Reuse and Recycle (the 3Rs) and Resource Efficiency as the basis for Sustainable Waste Management https://sustainabledevelopment.un.org/content/dsd/csd/csd_pdfs/csd-19/learningcentre/presentations/May%209%20am/1%20-%20Learning_Centre_9May_ppt_Mohanty.pdf Rhonda, S. (2014). How Your Business Can Cut Costs by Reducing Waste. https://www.bae.ncsu.edu/topic/vermicomposting/pubs/ag473-10-bus-cut-costs.html

Ethical and Legal Aspects of Healthcare Essay Example | Topics and Well Written Essays - 750 words

Ethical and Legal Aspects of Healthcare - Essay Example Additionally, the procedure, if widely available, would lessen the urgency to make available new medicines designed to extend life. Those who are against the procedure on religious grounds contend that it is ‘playing God’ consequently sinful. Health care professionals refer to the Hippocratic Oath which prohibits them from performing this procedure. This discussion will examine the moral and legal concerns surrounding euthanasia, explain the meaning of the term, give arguments for the practice and end with a recommendation to solve the issue. Euthanasia describes a circumstance in which an incurably ill patient is given a mortal dose of medication, is detached from a life-support system or is basically allowed to die without active involvement for example by resuscitation. A physician’s involvement in the procedure could be to either intravenously insert a needle into the terminal patient who themselves activate a switch that delivers the fatal dose or to order a lethal dose of drugs with the express intention of ending a life. (Naji et al, 2005). Euthanasia by doctors as well as non-physicians has been lawful in Switzerland since WWII. Additionally, three organizations within the nation have been formed to help terminally ill patients. They supply patient counseling in addition to the medications for use in the procedure. Lethal injections, however, are not permissible. The atypical situation in Switzerland holds that euthanasia is allowed as long as a doctor is not involved in the process (Hurst & Mauron, 2003). Euthanasia has been legally permissible in Belgium since 2002. Each circumstance must be reviewed by two doctors prior to the procedure being performed by either injection or ingestion. In The Netherlands, euthanasia has been legal for seven years but has been tolerated for a quarter century. The directive for physicians stipulated by the government include; â€Å"the patient must be suffering unbearably and have no hope of improv ement, must ask to die and the patient must clearly understand the condition and prognosis (and) a second doctor must agree with the decision to help the patient die† (â€Å"The Fight†, 2004). Advocates of euthanasia are concerned with people suffering. Many diseases such as cancer often result in a protracted and excruciatingly agonizing death. Witnessing a loved one as they slowly wither away from the malady eating away at their bodily organs is rough enough for their family members, but to see them in severe pain even when drugs are given is unbearable not to mention the agony the patient must endure. This physically and emotionally torturous circumstance occurs in every hospital, every day of the year yet serves no good purpose. To many people, it is unthinkable to allow anyone, for instance, a sweet grandmother who has spent her entire adult life caring for other people, to spend the last months of their life suffering from continuous pain, incapable of controlling bodily functions, coughing, vomiting, convulsing, etc. The emotional pain for both the patient and family is unimaginably horrendous as well. If grandma were an animal most all regardless of ideology would agree that the only compassionate choice would be to ‘put her to sleep.’ American citizens are guaranteed certain inalienable rights but not the right to ‘

Images of Organizations at Four Seasons Hotels Assignment

Images of Organizations at Four Seasons Hotels - Assignment Example This section describes how the Four Seasons Hotel can be viewed from the perspective of the eight metaphors developed by Morgan (1989). These include organizations as instruments of domination, flux, organisms, brains, machines, cultures, psychic prisons and political systems and transformation.The machine metaphor can be seen at work in the Four Seasons Hotel. The machine metaphor implies concepts such as efficiency of the operations and reduction of waste. Taylor’s principles of scientific management reflect the metaphor of organizations as machines. At the Four Seasons Hotel, the scheduling of various activities such as housekeeping and maintenance of inventory levels can be interpreted through the image of machines. Schedules of housekeeping, preparation of different meals throughout the day and maintenance of standardized service are all examples of the machine metaphor at work. The Four Seasons Hotel can also be viewed as an organism. This image is based on the perceptio n of the hotel as undergoing a process of evolution to ensure its survival. The responses of the management to the environmental changes can be interpreted as the response of a living organism to its natural environment. An example of the metaphor at work would be the changes in room rates throughout the year depending on the busy or slow season. Karmin (2013) explains that high earnings by competitors may motivate the owners of the Four Seasons Hotel to become a public limited company by issuing shares.  

Quality assessment at bank call centre Research Paper

Quality assessment at bank call centre - Research Paper Example is a need to decrease variation so that proper attention can be given to continuous improvement in what is provided to the customers as is demanded by the customers. Another philosophy which needs to be established as a central part of the organization is the crucial need to implement correct controls along with proper techniques so that improvement can be made whenever it is required and is possible. As a student, it is very important for us to properly understand and realize the importance quality holds for organizations, specially the service sector which constantly is informing its employee’s importance of quality to make them an important customer segment. After a lot of research, finally we were able to find a bank which is providing proper service to its customers which is ICICI bank.     At ICICI Bank, all the banking and also financial products are offered to the corporate and also retail customers , they are using a variety of delivery channels and also through their subsidiaries which are specialized in life and also non-life insurance, investment banking also also asset management and venture capital. The bank is operating in India, Russia, Canada, Hong Kong, China and also United Kingdom.ICICI equity shares are basically listed in India on National Stock Exchange of India Limited and also Bombay Stock Exchange. American depositary Receipts are basically listed on New York Stock Exchange. Company was basically promoted during the year 1994 and was by ICICI limited which is an Indian Financial Institution and was also wholly owned through subsidiary. ICICI has board comprising of eminent individuals who are wealthy and also have international business experience related to financial services, banking and also management consulting. ICICI is providing innovati on in banking services which are liked and recognized all over the world. They have properly managed idea along with innovative products and also launches. Bank is also involved in engaging