Hybrid Cloud Computing Environment †Free Samples to Students

Question: Examine about the Hybrid Cloud Computing Environment. Answer: Presentation Headspace association is meaning to build up a framework named My Health Record framework that would catch the tale of the patients at the absolute first time it is told. This disposes of the need of retelling the story each time the patient visits another expert. A cloud-based arrangement is resolved to be utilized in this task for its availability and the cost adequacy. The report talks about the cloud based arrangement, which would be flawless to execute in this undertaking alongside the SDLC approach that will be considered for building up the task. The non-utilitarian necessities of the venture alongside an itemized depiction of the cloud based arrangement and SDLC approach are expounded in the accompanying passages (Steele, Min Lo, 2012). The non-practical necessities of the framework help in distinguishing the various standards that would be imperative to consider in keeping up a smooth activity of a framework. It is altogether different from the practical prerequisites as the useful necessities characterize the basic periods of the non-useful necessity (Chung, Nixon Mylopoulos, 2012). The diverse non-useful necessities that are distinguished for the improvement of My Health Record System are expounded underneath. The usefulness of the framework characterizes the various capacities that a framework acts so as to keep up a smooth activity of the framework. The essential usefulness that this framework must perform is the capacity of the patients wellbeing record. In this manner, it is compulsory for the framework to consolidate highlights, for example, include, alter and update of information. Ease of use of a framework is another significant rule for deciding the non utilitarian prerequisites of the framework. The framework ought to be effectively open to the clients and in this way, a basic and simple interface can be considered as another non-practical necessity for the venture. The framework is structured maintaining at the top of the priority list the upsides of computerized information keeping, one of which is the end of problem of manual information get to. Along these lines, the including a choice of information recuperation is a fundamental non-practical necessity that is should have been considered for the framework. A framework is expected to convey elite level, as it is one of the significant parts of this framework. The information availability ought to be productive enough and the information ought to stay open 24*7. Accordingly, the versatility of this framework to various gadgets is viewed as other major non-utilitarian prerequisites of the framework. The framework that will be created for putting away the patients wellbeing records into the framework. This information is delicate and along these lines legitimate safety efforts are basic to execute to shield this information from unapproved get to (Kulkarni et al., 2012). Subsequently, it is a significant non-useful necessity of the framework. Access control is essential so as to protect the touchy idea of the archives that would be put away into the framework. Utilitarian and Non-practical Requirements The contrast between the utilitarian and non-practical prerequisite of the task is that the joining of non-useful necessities in a venture expands the presentation and strength of the framework undeniably. Utilitarian prerequisite then again mostly manages the specialized necessities of the framework. Approval is an utilitarian necessity of the framework while guaranteeing appropriate security consider a non-useful prerequisite. Hence, it tends to be said that the practical and no-useful necessity of the framework is connected. Characterizing the distinctive approval levels help in get to control of the framework (Pearce Bainbridge, 2014). Ease of use and usefulness of the product alludes to the diverse non-utilitarian necessity of the framework, while the useful prerequisite of the framework incorporates a fast access of the patients information put away, in type of rundown proclamation. Utilitarian necessities are in this way basic for framework usage while the non-practical prerequisite of the framework is answerable for improving the presentation of the framework and along these lines, the distinctive non-useful prerequisites recognized for the improvement of My Health Record System ought to be considered for venture advancement. The Chosen Cloud Environment: Hybrid Cloud The Hybrid cloud condition is picked proper for the venture viable due to the constraint of the other two cloud condition. The open cloud condition is simpler to execute and offers a wide scope of favorable circumstances, anyway there are numerous security concerns related with the open cloud. Considering the delicate idea of the information and the clinical wellbeing records of the patients, it's anything but a smart thought to actualize the framework on open cloud. Open cloud condition is inclined to serious assaults and consequently making sure about the information over open cloud would be a hazardous undertaking (AlZain et al., 2012). Accordingly, this cloud condition can't be considered for this situation. Private cloud on other hand despite the fact that is more secure than open cloud condition, usage of the equivalent is expensive and the entrance to the information is restricted. The restricted openness of the information can ruin the specific reason for execution of this fr amework. The fundamental thought behind the usage of this framework is string the wellbeing records of the patients with the goal that each time they visit another expert they need not rehash their accounts. Restricted access to information can turn into a deterrent in satisfying the essential goal of the framework and thusly ought to be kept away from. Cross breed cloud is a blend of open and private cloud that offers all the advantages of an open cloud wipes out the issue of constrained availability of the framework. This permits just the approved individual in getting to the framework. Execution of half breed cloud along these lines is a decent choice to be considered for the framework (Galibus Vissia, 2015). The quality and shortcomings of the half and half cloud condition is explained in the accompanying passages. Quality of Hybrid Cloud The quality of mixture cloud condition are recorded underneath The significant advantage of actualizing this framework in a mixture cloud condition is that it offers all the advantages of an open cloud and the framework is sufficiently secure to store the private information of the patient (Li et al., 2015). Cross breed cloud is anything but difficult to actualize and number of assaults recorded in a mixture cloud is significantly less than that of open cloud. The cross breed cloud condition is simpler to access when contrasted with the private cloud (Li et al., 2013). The shortcomings of executing the framework in a cross breed cloud condition are recorded beneath A programmer can focus on the information development all through people in general and private cloud condition. with an intension of information taking. The expense of usage of cross breed cloud is more than that of open cloud, as the underlying speculation to the framework is significantly high (Chen Zhao, 2012). The Two SDLC Approach: Predictive and Adaptive The product advancement life cycle or the SDLC the executives approach depicts the various stages related with the product improvement life cycle, for example, the arranging stage, the usage stage and the testing stage. Various methodologies of SDLC are available out of which the prescient and the versatile SDCL approaches are expounded in the accompanying passages. This methodology is called prescient as the various periods of the product advancement are anticipated or decided before the inception of the undertaking. This is increasingly similar to the customary cascade approach where every period of the product improvement follows a distinct technique. The culmination of each stage denotes the start of the following stage in programming improvement (Tuteja Dubey, 2012). The degree and task deliverable is clear and pre decided in this methodology and along these lines this sort of SDLC is simpler to execute. The upsides and downsides of the prescient SDLC are expounded in the accompanying sections. The benefits of the product advancement life cycle are recorded underneath The task is commonly finished inside the planned time by following this methodology as the extension and timetable of the venture stays clear all through the undertaking usage. The task necessities stay clear and unaltered all through the venture and thusly this kind of undertaking for the most part doesn't require spending amendment. Documentation control is another significant part of this methodology, which is an or more point. The weaknesses of utilizing prescient SDLC approach are recorded beneath The undertaking extension that is set at the inception of the task can't be changed while the venture is actualized. The task is expected to follow the arranged stages and in this manner usage of another element in the product later is preposterous. Versatile SDLC Approach While the prescient SDLC approach follows the cascade venture technique, the versatile SDLC approach is like the light-footed task advancement system. This sort of technique is executed when the extent of the undertaking isn't clear. This permits the advantage of fusing various highlights while the task is in the advancement stage and along these lines, once in a while it gets hard to finish the undertaking inside a set time (Balaji Murugaiyan, 2012). The advantages and disadvantages of versatile SDLC are explained in the accompanying sections. The various points of interest of utilizing the versatile SDLC the executives are recorded beneath The framework a work in progress can be adjusted while the undertaking is being executed The testing techniques and the nearness of criticism way helps in building up a bug free item The cons of versatile SDLC are recorded beneath The venture gets hard to finish inside set time The expense of usage is high The task of building up My wellbeing record framework has clear degree and prerequisites and is should have been finished as so

Synthetic Marijuana: the Legal Way to the Grave

Engineered Narcotics-Georgia’s Growing Epidemic As if showing our childhood the risks of medications isn’t sufficiently hard, presently we have company’s fabricating a manufactured type of Marijuana, usually alluded to as â€Å"Spice† or â€Å"K-2†. These company’s focus on our childhood by bundling it beautiful, gleaming parcels and giving â€Å"cool† names like â€Å"magic monkey† or â€Å"purple passion†. They mark these bundles â€Å"herbal incense† and â€Å"not for human consumption† trying to conceal its expected utilize and maintain a strategic distance from FDA guidelines, yet for one bundle containing 5 grams it costs on normal $15. 9-$21. 99. That’s entirely costly for a â€Å"air freshener†. In 2011, 14. 4 percent of 12 graders confessed to exploring different avenues regarding engineered cannabis. Simply last March, multi year old respect understudy, and star soccer player from Fay ette County, Ga. Pursue Burnett kicked the bucket soon after trying different things with this medication. This had administrators act brisk and sanction â€Å"Chases Law† , Georgia House Bill 370, which made this medication a Schedule 1 Controlled Substance and a lawful offense to buy, have and circulate any type of this substance. When this bill was marked by Gov.Nathan Deal, it took around 24 hours for police offices, mine being one, to direct court orders all over metro Atlanta to get this dangerous medication off the racks. Albeit now unlawful, and which is all well and good, there are many retail locations, smoke shops and corner stores that despite everything sell the medication all over Georgia and around the Metro Atlanta region. As speedy as officials take it off the racks, it’s being supplanted similarly as quick. Retailers feel it’s an infringement of their social equality and use pardons like â€Å"we can’t control what clients do with what they buy† or they tell officials they didn’t realize it was unlawful, â€Å"it’s just incense†.If they didn’t realize it was illicit and didn’t think they were doing anything incorrectly, for what reason do they keep it holed up behind the counter, far out and bolted up? For what reason would they say they are charging such a lot of cash for something that ordinarily would cost about $2, if truly utilized as a deodorizer? These, just as a lot more inquiries have been raised by Law Enforcement, yet guardians also. As buyers, the most ideal approach to stop these shops and corner stores from offering this to our childhood is quit purchasing your gas or some other things at these areas. It’s now and consistently will be about the money.Once they see clients going over the road to get gas, they will get the insight. Another way organizations are being notified is telling them that their permit to operate will be disavowed whenever found se lling these and some other unlawful substances from their stores. With the new laws ordered and guardians cooperating with Law Enforcement, we are beginning to get a more tightly hold on this quickly developing scourge that is tormenting are youngsters. References Whitehouse. gov/ondcp http://georgia. gov/blog/2012-08-20/forbidding manufactured pot

4 Comic Recommendations for Fans of MAKING A MURDERER

4 Comic Recommendations for Fans of MAKING A MURDERER While the sophomore  season of Serial has yet to recapture the the zeal surrounding its debut caper, true crime enthusiasts have found a new obsession on Netflix. The 10-episode Making a Murderer documentary is a sensation. A decade in the making, it chronicles the prosecutionand some argue persecutionof Wisconsins Steven Avery and his nephew Brendan Dassey for the 2005 abduction, rape, murder, and mutilation of photographer Teresa Halbach. The crux for the defense teams, particularly in Averys case, was the suggestion that Avery, previously released from prison after serving 18 years for an assault he didnt commit, had been targeted by vengeful county law enforcement and attorneys. Dasseys team further posited that the inept teen was coerced into providing a damaging, though wildly inconsistent confession implicating himself as well as his uncle in the crime. Is this simply a messy and disorganized prosecution, or were one or both of these men wrongfully convicted as the result of a deep conspiracy? Ive personally been watching the series in a loop since it premiered in December, pausing however infrequently to dash out for repeat screenings of The Force Awakens. The twists and turns in the investigation and ensuing trials makes for endlessly compelling television, the level of access an invaluable resource for fans and writers of true crime and legal dramas alike. Theres also something especially bittersweet about Dasseys story in particular, and much has been written about the snapshot of modern tragedy provided by the banal phone conversations with his beleaguered mother. Yeah?Yeah.Huh?Yeah?Yeah. Yeah. Next time on #MakingAMurderer Paul Montgomery (@fuzzytypewriter) December 23, 2015 Yep, Ive been caught in the riptide, alright. Ive lost days of sleep trying to parse Brendan Dasseys offhand mention of that girl who got eaten by the alligator. #MakingAMurderer Paul Montgomery (@fuzzytypewriter) January 1, 2016 Absolutely my favorite moment of #makingamurderer A video posted by Paul Montgomery (@fuzzytypewriter) on Jan 1, 2016 at 10:34am PST Right, so, where to turn to next. Especially for us comic readers. Well, Ive got some options for you. Green River Killer by  Jef Jensen and Jonathan Case   This ones the high water mark for investigative reports on high profile killers, the one I first recommend when asked for non-fiction crime comic recommendations. Stark and sobering, Jensen and Case offer an account of an evolving investigation. Just as the advancement of DNA testing exonerated and freed Stephen Avery after his 18 year bid, those same breakthroughs helped put Gary Leon Ridgway away for at least 49 murders in Washington state. This case is of particular interest because it centers on 180 days of interviews between Ridgway and investigator Tom Jensen, the writers father. Such access is vital stuff. And it doesnt hurt that this Eisner winning book is drawn by Jonathan Case (Batman 66), one of the industrys best craftsman. My Friend Dahmer by Derf Backderf This is generally the second book I recommend, right after GRK. Again, access is a big thing, but this is a very different book. Written and drawn with an R. Crumb level appreciation for the grotesque and banal in everyday life, My Friend Dahmer is an intimateif sometimes admittedly vagueremembrance of a sociopath in his troubled youth. John Derf Backderf attended Richfield, Ohios Revere High School with Jeffrey Dahmer. Friendships are a tricky thing, and Backderfs seemingly candid depiction of his relationship with Dahmer suggests something closer to observer and curiosity than any deep bond. But the authors speculation about Dahmers home life is a tender addition to the story, particularly as he attempts to make sense of the violence to come. Surviving Saskatoon: Milgaard and Me by David Collier This is a bit of a deep dive and may prove a bit of a goose chase in the vein of finding a green Toyota Rav4 in a packed salvage yard (then again). Published back in 2000, cartoonist David Collier (American Splendor) recounts the trial of another David, Milgaard, wrongfully convicted in 1971 for the rape and murder of a nursing assistant named Gail Miller. Its also a portrait of both  Davids native Saskatoon at the time. Though he was only eight at the time of Milgaards trial, Collier vividly recalls a deeply conservative community, rigid and suspicious. By the time Milgaard was released, a year before Collier released his comic, the man had served 23 years in prison. The essay strip is also collected in Portraits of Life. The Lindbergh Child: Americas Hero and the Crime of the Century (Treasury of XXth Century Murder) by Rick Geary As you can see from the parenthetical in the title, Gearys pretty serial, erserious, about serial killers. Hes written and drawn six graphic accounts of graphic murders from the 20th century, eight more from the Victorian era. Any of them would prove ideal followups to Making a Murder viewers, but Im singling out this, the first in this XXth Century Murder series, for the conspiracy element. The 1932 disappearance, ransom, and murder of toddler Charles Lindbergh,  Jr.  remains a contentious case (as well as a not-so-timely anecdote my mother offers helpless cashiers when shes unable to find correct change in her massive, overstuffed purse). Over a two year investigation numerous suspects were sought and a number of attention-craving interlopers strove to insinuate themselves into the affair. Gearys profiled far more prolific killers, but the Lindbergh case trumps them all for convolution and a startling whorl of deception. Sign up to The Stack to receive  Book Riot Comic's best posts, picked for you. Thank you for signing up! Keep an eye on your inbox.

Imaginary Story Essay - 2914 Words

Imaginary Story Inspector Dixon could recognize slight scratch on the victim’s bracelet. Now he discovered the murderer of Mrs Watson. The only person who could make this scratch was... ‘NICKY!’ My name is Nicky, a seventeen years old college girl, who wants to be a detective in the future. It was a sunny and cloudless day. The library was very quiet. There were about sixteen people in library and two of them were looking for some books on the shelf beside me. My schoolmate, Sally Looney was looking at me in a dull and bored look. Her eyes were half closed and her ginger hairs were stuck to the end. No one might imagine she was a clever girl, who has achieved 12 A* grades in her GCSEs and 5†¦show more content†¦Can you do it?’ Sally was grinning at me and I could not bear any longer. ‘SALLY! I HAVEN’T FINISHED MY BOOK! HOW DARE YOU TAKE MY INSPECTOR DIXON AWAY FROM ME? HOW OLD ARE YOU? CAN’T YOU BE SERIOUS? SALLY!’ My face became red, half due to anger and half due to shame. Everyone in library was looking at us and the glasses of librarian were flashing. ‘But†¦I can spin three books at one go.â⠂¬â„¢ Sally replied in a cheery voice. Now the eyebrow of librarian was twitching. The librarian walked towards us and pointed at a sign, which was saying ‘Keep Silence’. ‘I expect you can read what it is saying, ladies?’ The librarian said in a trembling voice and I could see her long and sharp polished nail. However, Sally still did not realise the seriousness of the situation and carried on spinning the book. ‘Out! Right now!’ The librarian lost her nerve and shouted in an even louder voice than us. Finally Sally dropped her book and we had to run away, as quiet as possible. The librarian was still shouting in the librarian and Sally began to speak to me when she left the library. ‘She is an awful woman, isn’t she? Look! She is even noisy than us. She is disturbing more people than us, isn’t she?’ I did not reply. Oh, Inspector Dixon, who is the murderer? ‘I’ll make you Sally’s Special Pasta, le t’s go to my home.’ Sally looked cheerful and seemed very glad to leave the library. Oh, InspectorShow MoreRelatedCharles Taylor Doesn t Think So And His Almost 900 Page Essay1998 Words   |  8 Pagesthe inadequacy of Mainstream Secularization Theory and the spiritual complexity of our â€Å"cross-pressured† society. The culmination of this story lends voice to a hemisphere’s subconscious, diving beneath the â€Å"taken-for-granted† assumptions of the Western mind to hear the truth. That underlying level of assumption is what Charles Taylor calls a social imaginary: What I’m trying to get at with this term is something much broader and deeper than intellectual schemes people may entertain when they thinkRead MoreAnalysis Of Alfonso Cuaron s Children Of Men2060 Words   |  9 PagesMoore), to get Kee a miraculously pregnant woman to a sanctuary at sea. 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Roles And Responsibilities Of A Trainer - 1496 Words

Roles, responsibilities and relationship in education and training. The aim of this assignment is to identify and understand the teaching role, responsibilities and relationships in education and training in relation to the teaching cycle, by summarising codes of practice and legislation that relates to the roles and responsibilities of a trainer with an airfreight industry. Also, understanding the importance of Equality and Diversity and how this is vital to learners and teachers in meeting the needs of learners. Furthermore, to understand the trainers’ responsibilities in building and maintaining a safe learning environment, promoting appropriate behaviour and building respect for others. The assignment also aims to understand professional relationships between the trainer and other specialists involved in learning, through analysing boundaries between the teaching role and other professional roles. Finally, identifying and describing points of referral to satisfy potential needs of learners. The role of a trainer is primarily to pass knowledge of a given subject to another person. To achieve desired results a trainer needs to adapt to different roles and understand relevant responsibilities. This statement is especially relevant during execution of the training cycle where each step (Identifying Needs-Planning-Facilitating-Assessing-Evaluating) requires different approach. For instance, during the first step a trainer must perform as an accessor and identify learnersShow MoreRelatedDescribe What Your Role, Responsibilities and Boundaries Would Be as a Teacher or Trainer in Terms of the Teaching and Learning Cycle. How Might â€Å"Equality†, â€Å"Diversity† and â€Å"Inclusion† Impact on a Learner’s Experience?1081 Words   |  5 Pageswhat your role, responsibilities and boundaries would be as a teacher or trainer in terms of the teaching and learning cycle. 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Active relaxation Free Essays

After doing the active relaxation techniques actually felt more relaxed and less stressed out. I usually get headaches every single day but after doing the active relaxation techniques I’ve only gotten a headache once instead of everyday. The techniques helped me feel more calm and less stressed because lately I’ve been stressed about school and getting a job. We will write a custom essay sample on Active relaxation or any similar topic only for you Order Now It’s a great way to help you relax while you’re on the go. Yoga is a form of active relaxation, and I’ve been doing Yoga for my ONCE 101 class. Vive always wanted to do yoga but never really pushed myself to actually start doing it until started college and it was mandatory for me to do it for hat class and I can honestly say that after doing the Yoga feel better than I’ve ever felt before. I’m definitely going to start doing active relaxation more often especially every time start to feel anxious or stressed out and know that it’s really going to help me when it comes time to take midterms and final exams and I know it’s going to help me not get headaches as often. Another thing is that I’ve noticed I have more energy now than I used to before. Before used to be tired all the time, especially during class and I would struggle to keep my head up, but lately haven’t really felt as tired as did before. How to cite Active relaxation, Papers

The Day I Left Vietnam Essays - DraftCarson Hill, DraftZoro 4 Eva

The Day I Left Vietnam annon KienCuong Nguyen I still remember that day; it was July 4, 1994. My family including my parents, my three younger sisters, and I were going to leave Vietnam to come to the United States. We had permission from the United States government to come over to the United States because my father used to work for the United States Army during the Vietnam war. I woke up about eight o'clock in the morning. After breakfast, I dressed up and walked around to say good-bye to my neighborhood. Some of my neighbors wished me a good life and a better education, some told me keep in touch with them. Then I went back to my house. It was full of relatives and friends. They came to visit us for the last time and some of them would go with us to the airport. My girlfriend was inside; she was waiting for me. I met her one year ago and we fell in love after six months. When she knew I would leave, she cried a lot. I took her to the balcony where we had our privacy. We sat down and then she silently cried on my shoulders. I knew she loved me very much and did not want to let me go. She looked at me with tears and asked, Will you come back? I do not remember how many times she asked me this question. And I always replied with the answer, Yes, I will. I told her, After I finish school in America, I will come back. Then we went out to have lunch at a restaurant near my house. When we came back, everybody was ready to leave because my Dad wanted to get there early in case we had to do some paperwork. Most of people took a bus with my parents and my sisters; some had to leave because they had to take care of their businesses. The airport was near my house so I decided to take a bicycle ride with my girlfriend. We got to the airport about 2:30 p.m. There were so many people, some of them were our family some were friends and relatives of other families who had the same flight with my family. I started to say good-bye to my uncle, my aunt, my cousins, and my friends. I had four close friends who had been with me from elementary to college. We took some pictures and hugged each other the last time. It was time to get into the plane. My Dad called me. Hurry, son. I quickly gave my girlfriend the last kiss, then ran into the checking room without turning back. Then I realized my eyes were full of tears. I did not want to let anybody see me crying so I quickly cleaned my face. The plane took off fifteen minutes later. From the plane I looked down to see the land the last time. All the memories came to my mind and once again my eye was full of tears. When I stepped down to the Atlanta airport, I realized that I really left my heart.

The Adventures of Huckleberry Finn and the journey throughou essays

The Adventures of Huckleberry Finn and the journey throughou essays Journey is a word that can be used to describe a physical travel, a switch from different mental states, or even a change in personality. In the Adventures of Huckleberry Finn, journey is used in all these contexts. The theme of journey is evident and is significant throughout the novel. According to Dictionary.com, the definition of journey is The act of traveling from one place to another. [. . .] A process or course likened to traveling; a passage: the journey of life. Plots like the one in the Adventures of Huckleberry Finn are characteristics of a special type of novel, the picaresque novel. This particular form of the roman adventures may be defined as The prose autobiography of a real or fictitious personage who describes his experiences as a social parasite, and who satirizes the society which he has exploited. (Picaresque Novel) The 1911 Edition Encyclopedia, April 7, 2004 1911encyclopedia.org. There is no doubt that Mark Twain borrowed from the traditions of the picaresque novel, especially from Don Quixote. Consequently, a series of physical journeys occur in the novel. One example of a physical journey is Hucks move from the sivilized Widow Douglas house in the community to the unclean, uncivilized home setting of Hucks father, Pap. So he watched out for me one day in the spring, and catched me, and took me up the river about three mile in a skiff, and crossed over to the Illinois shore where it was woody and there warn't no houses but an old log hut in a place where the timber was so thick you couldn't find it if you didn't know where it was. (Huckleberry Finn, 18). Another physical journey in the novel is Huck and Jims traveling from Hannibal, Missouri to Pikesville, Arkansas. The reader is taken on a tumultuous journey from Hannibal, Missouri to Pikesville, Arkansas that gives as much attention to th...

Should You Take Online AP Courses 12 Pros and Cons

Should You Take Online AP Courses 12 Pros and Cons SAT / ACT Prep Online Guides and Tips There are a variety of reasons why you might want to take online AP courses. Maybe your school doesn’t offer all of the courses you want to take, or you’re homeschooled, or you want to do a little extra academic work to show colleges what you’re passionate about. But there’s a lot to consider before you take the plunge (and possibly drop a few hundred dollars on a class).I’ll take you through some basic information on online AP courses, some pros and cons, who should consider them, and how to choose classes if you do decide to take an AP course online. Finally, I’ll offer some brief blurbs on some of the most popular courses out there. What Is an Online AP Class? An online AP class is meant to mimic the material and workload of an in-person AP course from afar, and to prepare you for the AP exam. So you’ll have readings, lectures, quizzes, and exams just like in regular school, but all of your communication with your teacher (and potentially other students, depending on the course) will take place through your computerprobably mostly through e-mail and IM, although maybe some videochatting or virtual lecture sessions depending on the course. The truth is that every AP class you could take online is going to be a little different, which is why if you do decide to take one (or more), doing research on which course to enroll in is very important. Some are accredited by the College Board, some aren’t; some are free, some cost almost a thousand dollars a pop. Some are essentially graded independent study and others have scheduled virtual â€Å"class† meeting times. That said, there are still some general pros and cons to taking AP courses online. 6 Benefits ofTaking AP Courses Online You can take AP classes that are not offered by your school. You can probably get credit toward graduating high school, although it may just be pass/fail credit on your official high school transcript. You’ll have some flexibility in when you get the work done, so if you have an unusual schedule it might be a good choice for you. You might be able to connect with like-minded students with similar interests! This may be an especial benefit if you are homeschooled or live in a rural area. Depending on where you live, you may be able to take the class for free! Many states have at least one program that is free or low-cost to residents. If you are self-motivated, you may enjoy the semi independent-study format of many of the classes. 6 Drawbacks toTaking AP Courses Online It may or may not boost your official high school GPA. Some high schools will put the letter grade on your transcript, some won’t count the class at all, and some will allow you to count the class as credit, but only as pass/fail. Some of these classes are expensive! Depending on the class and your level of motivation, it may make more sense to self-study for the AP test and then take the exam. If you live in a rural area, you will still need to find a brick-and-mortar school where you can take the exam. This is not necessarily a bad thing, but it is something you will need to keep in mindthe online course won’t coordinate your exam arrangements for you. If you have a hard time getting work done without some supervision, an online course may not have enough accountability for you to get the work done and really get something out of the class, let alone be prepared for the exam. Some of the classes are mostly text-based and not very interactive, so if that’s a hard way for you to learn, it may not be the best option for you. Some classes have been criticized for being an easy A that does not actually prepare you for the AP exam. So read reviews and research carefully! With all this in mind, how do you decide if you should take AP classes online? With the magic of the internet, the world is your classroom! That was corny, sorry. Are Online AP Classes a Good Fit For Me? The number one question you need to ask yourself when deciding to undertake online AP coursework is: why am I doing this? See below for some potential answers and my thoughts. #1: My school doesn’t offer this AP class that I find interesting/valuable/important This is a good reason to take an AP class online! If you don’t have another way of taking the class, and you are invested in the material, you are an ideal candidate for taking online AP classes. Particularly if you live in a rural area and go to a small high school, you should check if your school already partners with an online AP course provider.If so, you will probably be able to take the class for free, have time during the school day to do coursework, and have the class on your official high school transcript! Wins all around. #2: I’m home-schooled and I want to take an accredited (i.e. College Board approved) AP course This is another good reason to go online, although it’s worth noting that the person teaching you at home can get their AP curriculum accredited if they so desire. (More information can be found in our guide to passing yourCollege Board Course Audit.) In that case, you can have the class listed as AP on your transcript. Of course, your home-teacher may not feel equipped to teach you the material, in which case it makes total sense to take an online course. Another benefit to this is that an online course may help you connect with other students, depending on the platform. If your only concern is taking the exam, and you don’t care about having a transcript and grade for the course, you could also consider self-study. Home-schoolers can also list their exam prep â€Å"class† as â€Å"Honors† even if their home course is not accredited by the AP. #3: I have an unusual schedule/scheduling conflict If you have some kind of scheduling conflict with your school’s in-class AP course- maybe there are two AP classes you want to take that meet at the same time, or you are on a work-study program- online courses may be a good option. However, keep in mind that you may not be able to get a letter grade for the online class on your high school transcript even if you can get credit. If this is the case and you’re a junior, you might consider taking the class through your school next year. #4: I want to take an AP class over the summer If there’s an AP class you want to take over the summer that doesn’t work for you during the school year, online courses can be a great way to make that happen. However, you will have to spend a decent amount of time reviewing the material during the following school year if you want to remember anything for the AP exam the following May! This cherub is thinking deeply about his class schedule. Either that, or napping. #5: I want to boost my GPA Your school may or may not allow you to count your letter grade in an online AP course on your high school transcript. They may not give credit, or you may only get pass/fail credit on your official transcript. So if you want a GPA boost, definitely discuss whether the class will even factor into your GPA before enrolling! If you are concerned about your GPA, I would advise you to talk to a guidance counselor at your school. You might also read our article on applying to college with a low GPA. #6: I think it will look good to colleges Taking an online AP course may or may not look good to colleges depending on your circumstances. If you are taking it because it’s not offered at your school or you have a conflict and you’re really interested in the material, it will signal that you are self-motivated and invested in learning. Great! If, however, you want to take online AP courses because you are already stacked six AP courses this year and this is the only way you could possibly fit in more, possibly reconsider. Colleges like candidates who have some interests outside of class- your entire waking life shouldn’t be spent doing AP coursework and preparing for exams. Consider an extracurricular. #7: I want college credit Keep in mind: only some colleges will give you credit for high scores on AP tests,and the score cutoff is different at different schools (some will give credit for a 3, while others will only give credit for a 5). Make sure you know the score cutoffs and credit policies for colleges you are interested in. Another thing to remember is that credit is determined by yourscore on the exam, not whether you took the class or not- so you could self-study if you think you could get the necessary credit that way. #8: I don’t know! If you don’t really know exactly why you would be taking an online AP course, don’t do it until you figure it out. If you don’t have a sense of purpose you won’t be motivated to put in the additional workespecially because online classes tend to be more self-directed than in-person ones. You'll notice I've mentioned self-study several times in the above list. So you are probably wondering what the different is between self-study and an online AP course, and why you would choose one or the other. Read on! What’s the Difference Between an Online AP Class and Self-Study? If you take an accredited (College Board-approved) online AP class, you will get a transcript with aletter grade that shows that you took the AP-level course, which you can send to colleges. You may even be able to get credit towards graduation and have the class be listed on your transcript for your regular brick-and-mortar school, depending on your school’s policies. However, the College Board does not require you to take a class before you can take the AP exam in that subject.This means that you are allowed to self-study- that is, use resources like books, lecture videos, and internet sites to prepare for the exam on your own. In this case you won’t have a class listed on any transcript or a letter grade, but if you do well on the test, you can still potentially get college credit for it, and send in the scores to colleges. Self-studying is a good option if you already have a baseline knowledge level in the subject area, if you are very self-directed, and if all you care about is taking the exam and getting a target score. If you aren’t at all familiar with the material, you aren’t very self-directed, or you want to have a record that you took the course, take an online class instead. If you’ve made the decision to take an online AP course and you’re going to take the plunge, how do you pick from the hundreds of courses available? Online means no blackboard erasers! If people even use those anymore. How Should I Choose My Online AP Course? There are hundreds, if not thousands, of options for online AP courses out there. And they are not all created equal. There are a number of factors you should consider when selecting a course: #1: Is the course accredited by the College Board? In other words, is it an official College-Board approved AP course? You can search for a course in the AP course ledger if you aren’t sure. If it’s not accredited, it’s basically providing self-study materials to you,because any transcript you get from the course won’t say â€Å"AP.† This could be fine if your goal is just to prepare for the test, but it's something to be mindful of, particularly with respect to the quality of the material. I would hesitate to lay down five hundred hard-earned dollars on a non-accredited course. #2: Are there admission requirements? Some online AP course providers, like John Hopkins’ Center for Talented Youth and Stanford Online High School, have prerequisites or pre-test requirements. Make sure you qualify! #3: Are you confident it’s a high-quality course? For starters, make sure to check outreviews from other people who have taken the course (you could try College Confidential). Here are a few hallmarks of a well-organized course: Are teachers accessible and consistent? Is tech support available to assist with any difficulties you may have? Are there statistics on how well the students do on the AP after taking the course? #4: What’s your budget? Some more â€Å"elite† online courses will run you almost a thousand dollars for an AP class.However, some of these providers also have some form or another of financial aid, so be sure to research that before writing them off.You can certainly find a high-quality AP course that’s a little less expensive. You may just have to look harder. For more ideas foronline AP classesat a variety of price points,check out our article on the best and worst online AP courses, reviewed. Check if your school already has a contract with a remote AP class provider. In this case you can probably take the class for free!Some states also have low or no-cost online classes for residents. The Florida Virtual School offers classes free to FL residents, and Scout, through the University of California, offers some material free to California public school students. #5: How self-directed are you? Some courses will allow you to set your own schedule and have pace flexibility- you’ll be given materials and access to an instructor if you have questions, but it will be more or less a free-range experience. Other classes have scheduled lecture sections and you will lose points if you turn in assignments and assessments late. Be honest with yourself and choose the style that will allow you to get the most out of the course. #6: Will you interact with other students? Is it important to you to have some way to interact or collaborate with the other students in the class through message boards or projects? In this case, make sure your course offers this. #7: Can you do a trial or get a refund if you drop the course early on? If it’s an expensive class, you probably want to make sure that you can get at least a partial refund if you drop the class two weeks in if you change your mind or something comes up. #8: Do you have access to a computer that meets the technical requirements of the course? Since it’s computer-based, the class may have operating system or browser requirements.You don’t want to sign up for a class only to find that you can’t make it work on your computer! He looks like he'd be a great online AP teacher. Very modern. Popular Online AP Courses There are approximately one gajillion online AP classes out there, butyou may or may not want to sift through them all looking for that perfect Cinderella-shoe fit. Luckily for you, I have done a lot of sifting myself and have a brief list of some well-regarded online AP courses. AP US History from the UC system’s Scout program - This course is well-liked for its engaging multimedia lessons and variety in preparation material. Cheaper for CA students, but one of the less expensive options overall. AP Biology from Apex Learning - AP Biology from Apex is commended for its comprehensive virtual lab component- something lacking from many online AP science providers. AP Chemistry from ChemAdvantage - This husband and wife team teach AP Chemistry online with a robust lab component and lots of instructor attention. While primarily for homeschoolers, their FAQ says that they may be able to accommodate students whose schools simply don’t offer AP Chem. AP Psychology from the Florida Virtual School - Students liked this class for being relatively straightforward, although it is mostly self-paced. AP Human Geography from the Florida Virtual School - Students like this class for teacher accessibility and an appropriate difficulty level- interesting, but not frustrating. AP Art History from the Florida Virtual School - Students enjoy the interactive gallery format and find that they retain the material because it is presented so engagingly. AP CS A from the Florida Virtual School - Students feel that not only is Computer Science a natural fit from an online school, FLVS teaches a strong coding foundation and really prepares you for the exam. Plus, it’s fun! For homeschooled students in any state, PA Homeschoolers AP Courses are very well-reviewed, with outstanding teachers being the number one benefit. AP History and English classes are particularly well-liked. However, you must be a homeschooled student to register. Other generally well-regarded online AP providers includeStanford Online High School, Northwestern Center for Talent Development, and Johns Hopkins Center for Talented Youth.These providers are specifically for gifted students and have admissions requirements. Theyare generally considered quite comprehensive and in-depth. Choose the course with the most dinosaurs. Getting the Most Out of Online AP Classes If you are going to take AP courses online, you want to make sure you get as much out of them that you possibly can. There’s no point in going to the trouble of taking the class if you aren’t going to learn anything! So how can you succeed? Treat it like a real course - Resist the temptation to slack off just because it’s online and you don’t have to face your teacher in real life. Schedule time to work on it - Set aside specific time slots every week when you are going to work on the course. This will help keep you from falling behind, and improve your ability to take the course seriously. Minimize distractions - When you are doing online coursework, make sure you are in a good working environment like a library or a quiet desk. Don’t turn the TV on, and I advise not working in bed. Utilize the teacher - If you have questions, get in touch with your teacher! One of the advantages of an online course over self-study is that you have access to a paid professional to explain confusing concepts to you if you need it. If you are diligent about keeping on track and get help when you need it, you will find the class much more valuable. Online AP Courses: The Bottom Line Online APs are a great choice for students with unusual schedules or at schools with slim AP offerings. With that said, it’s important to do your research before enrolling in an online AP class. Look for reviews online, check the price point, and triple-check your school’s policies on GPA and credit-transferring the online courses before you take the plunge! What's Next? For more in-depth reviews of online AP courses, see my guide to the best and worst online AP classes. If you need more general information about AP tests, check out "What Are AP Exams and Tests?" by one of our experts. Trying to decide on the best way to get college credit in high school? See our guide tocommunity college classes versus AP classes and exams. Considering other new and exciting AP offerings? Check our guide to AP Research and our guide to AP Seminar. Want to improve your SAT score by 160points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now:

Liability analysis Essay Example | Topics and Well Written Essays - 2250 words

Liability analysis - Essay Example The basis of partnership can be made legal by either the word of mouth or through a written agreement. The partnership agreement administers the partner’s relation to each other and to the partnership. The agreement Partnerships between members of the family as in this case are viewed in a different perspective by the law. If the family members are to share in the profits it will be clear that they have a partnership, however, if they are to receive some share of the profits as repayment of debts, or wages the relation is termed as protected partnership, and there will be no legal indication that a business partnership exists. If the family members are to conduct any retail business, there will be clear evidence of an existence of a general partnership. The formation of the partnership is associated with certain rights and duties among the members and with third parties (Cheeseman, 257). Therefore, under this case, each partner will have a right to share in the profits, and al so contribute equally incase of a loss, unless the partnership agreement will have been otherwise stated. Additionally, each partner is allowed to take part equally in the supervision of the company partnership. Incase of a dispute, the majority vote rules. Nonetheless, under a partnership, each member is entailed to the duty of Good faith, and loyalty (West's Encyclopedia of American Law, 7). That is, each partner is required to account to the other partners for any benefit that one receives when engaged in the business partnership. Under the duty of loyalty, no partner is permitted to use the partnership property for ones own personal gains. Also, the partners are not to engage in any business that competes with the partnership. In reference to the contribution of funds as the parents’ idea of 2 million, the contributed resources towards the growth of the business, becomes owned by all members under partnership (West's Encyclopedia of American Law, 20). In addition, any oth er property that is to be purchased by any partner using the partnership assets automatically becomes partnership property and is held under the partnerships name as indicated by RUPA. Transfer of property is only possible under the name of the partnership and, and the partnership property cannot be sold without the consent of members of the partnership. In terms of liability, each member of the partnership is liable to the obligations of the partnership. That is, each partner is equally liable for the unlawful acts or blunder of a member-if the act is committed while the partner is acting under the authority of the other members, or on behaves of the partnership. In UPA Section 15(a) it is said that associates are jointly and severally responsible for the torts and violation of trust. (Cheeseman, 258) Under this a third party can sue one or more associates independently, â€Å"CASE 14.2 Tort Liability of General Partners Zuckerman v. Antenucci† (Cheeseman, 256). Despite the fact that a partner caught on the wrong is sued individually, the partnership agreement provides for the compensation of the partner for the fraction of damages in surplus of ones relative share of the business. Any member in the business partnership will be perceived as an agent of the partnership. That is, each member has the authority to act on behave of the business, and a members admission concerning

Company law Essay Example | Topics and Well Written Essays - 2000 words

Company law - Essay Example The committee must also make sure that remuneration arrangements strictly abide by the regulatory bodies’ requirements and meet the expectations of shareholders as well as the wider employee population (ibid). Earlier, controversial director remuneration increases in the United Kingdom were widely criticised and as a result, the UK government framed a set of regulations to control executive director remuneration. According to the Code of Best Practice suggested by the Greenbury committee, the remuneration committee must be comprised of non executive directors. The Greenbury committee also directs to completely disclose the remuneration policy as well as directors’ individual remuneration package. The UK Corporate Governance Code 2010 or simply the Code, which is a set of some good corporate principles, describes various procedures involved in setting executive director remuneration in public limited companies. Section D.1 of the UK Corporate Governance Code 2010 states that the level of remuneration should be sufficient enough to attract, motivate, and retain executive directors and thereby run the company successfully. At the same time, the level of executive remuneration must not be more than necessary. The section D.1 specifically says that â€Å"a significant proportion of executive directors’ remuneration should be structured so as to link rewards to corporate and individual performance† (The UK Corporate Governance Code, 2010). The Code continues that elements of performance-based executive remuneration must focus on the company’s long term success. In addition, the remuneration committee has to decide whether to structure their remuneration policy relative to other companies; however, the committee must consider the risk of higher levels of remuneration with no corresponding performance improvement. The committee should also consider pay and employment conditions while making decisions on annual salary increases. The Se ction D.2 deals with procedures involved in setting executive directors’ remuneration. According to this section, â€Å"there should be a formal and transparent procedure for developing policy on executive remuneration and for fixing the remuneration packages of individual directors† (The UK corporate governance code (The UK Corporate Governance Code, 2010). Referring to Main principles of the UK corporate governance code (genius methods, 2010) section D.2 clearly tells that no executive director must not be allowed to involve in setting his/her own remuneration (ibid). The remuneration committee has the obligation to confer with the chairman and/or chief executive regarding the effectiveness of the proposal framework structured on the executive director remuneration. The committee also has the responsibility to appoint consultants in order to effectively set a potential executive director remuneration policy. If there is an involvement from the part of executive direc tors of top management in advising or assisting the remuneration committee, due care must be exercised to timely identify and avoid conflicts of interest. It is the duty of the board chairman to ensure that the company effectively communicates to its shareholders regarding various aspects of the remuneration proposal. The section D.2.1 of the Code tells that there should be at least three (it can be two in case of smaller

Performance of Goldman Sachs and Financial Ratio Analysis

Performance of Goldman Sachs and Financial Ratio Analysis Conventionally the Bank performance is evaluated by analysis of the financial ratios. However, despite of quite a few number of ratios being calculated, a sculpt that completely convinces the analysis of requirements and bank operations efficiency evaluation is yet to be developed. Hence for these reason, the financial ratio analysis is balance with unlike eminence evaluations, with characteristics such as organization quality, equity structure, spirited position and others which are incorporated in the concluding assessment. In this piece of work we are going to evaluate overall performance of Goldman Sachs and critically analyse how financial ratios are used to evaluate banks performance. The Goldman Sachs Group, Inc. is a American investment banking and securities organisation which slot in global investment banking, securities, investment management, and erstwhile financial services principally with institutional clients. Goldman Sachs was founded in the year 1869 and its headquarter is at 200 West Street in the Lower Manhattan area of New York City. It has additional offices in major international financial hubs. The Goldman Sachs offers mergers and acquisitions advice, underwriting services, asset management, and prime brokerage to its clientele, which include corporations, governments and individuals. The Goldman Sachs also engages in proprietary trading and private equity deals, and is a primary dealer in the United States Treasury security market (Goldman Sachs Website). Bank Internal Performance Evaluation Strategic planning Goldman Sachs ability to address and tap into important economic and financial trends through roles such as advisor, financier, market maker and asset manager are critical for fulfilling their mission to help spur growth and perform strongly as a firm. Technology Technology is a core part of GS product offering and client experience. GS ability to respond quickly and effectively to address its clients needs with customized systems, products and services helps differentiate the firm. A technological advantage for GS is that they have only one central risk system, which is partially a byproduct of not having done multiple, major acquisitions that often require merging and retrofitting platforms. Personnel development The success of the GSs efforts are measured by how effectively their people act. Over time, effective training and development have enrich their corporate culture and strengthen the values of client service and focus on reputational risk management. Recognition includes compensation, promotion, assignments and mobility opportunities. They have made it clear the link between the behaviour expected of its people and the recognition used to encourage it. This is critically important because it signals broadly the way GS expects its people to behave and conduct business (Goldman Sachs Annual report 2010). Bank External Performance Evaluation Market share GS has frequently performed above the market despite worsening economic conditions. Since the 2008, the company has outpaced the market enough to draw public admiration. With strong profits and expected strong returns, the company has set aside $500M to invest in small businesses. These efforts are a combination to both improve the economy and their public image. Regulatory compliance The Dodd-Frank legislation and new capital and liquidity requirements under Basel 3 are two of the more significant outcomes from the recent focus on enhancing financial stability. Given regulatory implementation is only just beginning, and unclear on how the new rules will ultimately impact the industry. The broad contours of new regulation, however, are clear: improve the safety and soundness of the global financial system, increase the transparency of derivatives markets, limit certain investing activities and reduce the consequences of a failure of a large financial institution. Public confidence Goldman Sachs announced in May 2010 that it formed a Business Standards Committee to reshape its business practices and mend its reputation. Chief Executive Lloyd Blankfein said at the time that there is a disconnect between how we view the firm and how the broader public perceives our roles and activities. GSs shareholders, BoDs, clients and customers have supported Mr. Blankfein through all the crisis and this shows their faith in bank (Goldman Sachs Annual report 2010). 4.0 Analyzing Bank Performance with Profit Ratios Goldman Sachs financial performance was better in 2009  than 2010 and Q4 2009 was the best quarter since the recession. 4.1 ROE Return on equity (ROE= net income after taxes/total equity) reveal GS capability to produce profits from shareholders equity (further referred as net assets or assets minus liabilities). In other words, ROE shows how effectively a company uses the shareholders money. As seen in graphical representation above, it is clear that Goldman Sachs is tendering a lower return on shareholders equity as compared to year ended in2009. The ROE of GS for the last year was 18.93% as compared to 10.08% this year. There has a been a significant decrease in the ROE which suggests GS is not utilising shareholders money properly. GS return on equity has declined substantially due to deleverage and is only marginally higher than its current cost of capital. 4.2 ROA Return on assets (ROA = net income after taxes/total assets) is how resourcefully a firm uses its assets. From the formula it is quite obvious that higher the ratio, the company is performing more efficiently and thus is generating more profits. A low ROA with enormous assets designate that the firm is handling its asset at a poor rate. As seen in graphical representation above, it is seen that Goldman Sachs has provided a lower ROA of 0.91% this year over 1.58% last year. There is one key differentiation between ROE and ROA and it is debt. In absence of debt, the shareholders equity is same as total assets of the firm which means that in this case, ROE and ROA are identical. Now if the firm come to a decision to take a loan, ROE exceeds ROA. A elevated ROE does not always guarantee a extraordinary performance of a firm. Incidentally, ROA is then a healthier pointer of the financial performance of a firm. With a high ROA and manageable debt, if ROE is also high it means that the company is generating decent profits using shareholders money. But if ROA is low and there is huge debt carried by the company, even a high ROE can only be a misleading figure. 4.3 Net Interest Margin 4.4 Leverage ratio Debt to Equity Ratio 4.5 Decomposition of ROE DuPont Analysis As revealed in Appendix B, The ROE of a bank is dependent on a various factors and thus change in any one of these factor can affect the rate of return on shareholders equity of the bank. As Net Income is the main source to calculate ROE in conjunction with the shareholders equity in the bank, every alteration in the Income and Expense of the bank openly affects the net income and thus influence the ROE of a bank. The detailed DuPont analysis of Goldman Sachs for year 2010 is presented in Appendix B. The ROE is decomposed as follows wrt dupont identity. Now assuming that changes are made in Income or Expense levels of the Goldman Sachs, its effect will be seen on ROA and ROE. Let us consider a case where the Interest Expense for Goldman Sachs goes down by 10% and there are no changes in its Interest Income, following are the effects on ROA and ROE of the bank. Scenario 1 : -5% change in interest expense Change Values after change Interest Expense -10% 6125.4 Interest Income 0% 12309 Effect on NI 6680.6 39841.6 Effect on ROA +0.07% 0.99% Effect on ROE +0.88% 11.68% A few other situations with amendment in Total Non-interest Income and expenses and their outcome on the ROA ROE of bank are given away in the chart below. Scenario 2 : -5% change in non-interest expense Change Values after change Total Non-interest Income -5% 31975.1 Effect on NI -1682.9 37478.1 Effect on ROA -0.19% 0.73% Effect on ROE -1.46% 8.62% Scenario 3 : +10% change in non-interest expense Change Values after change Total Non-interest Expenses 10% 27962 Effect on NI -2542 3160 Effect on ROA -0.31% 0.27% Effect on ROE -4.44% 3.78% Bank Performance Evaluation Based on Economic Profit 5.1 Risk-Adjusted Return on Capital (RAROC) In risk- adjusted return on capital the capital is allocated for two vital motives: (1) risk management and (2) performance evaluation. In support of risk-management rationale, the banks most favourable capital structure can be establish by allocation of capital to individual business units. This course of action entails assessing the amount of the risk (volatility) each business unit chip in to the total risk of the bank and hence to its overall capital requirements. Now, for performance-evaluation function, RAROC structure allocate capital to business units as part of a procedure for shaping the risk-adjusted rate of return and, eventually, the economic value added of each business unit. The EVA of every and each business unit is its adjusted net income minus the amount of equity capital allocated to the unit times the required return on equity. The purpose is to compute a business units input to shareholder value and so to provide a source for effective capital budgeting and incentive compensation at the business-unit level. RAROC is calculated by dividing risk-adjusted net income by the total amount of economic capital assigned which is dependent on the risk calculation. Risk-adjusted net income is calculated by taking the financial data allotment to the bank and fine-tuning the income statement for expected loss. A further modification is also required to take into account the effects on the net interest margin because the attention is moved from book profitability to economic profitability. Thus RAROC = Risk adjusted income / Allocated Capital RAROC for 2010 of Goldman Sachs therefore comes to 2.24 %. Let us consider some scenarios where the risk adjusted income for Goldman Sachs are changed by {-2%, +2%, -5% +5%}, The effect on its RAROC is represented as below. Change in Risk Adjusted Income 2 % + 2 % 5 % Effect on RAROC 2.20 % 2.29 % 2.13 % Economic Value Added (EVA) EVA (Economic Valued Added) is a present day financial dimension instrument which concludes whether a business is earning greater than its true cost of capital. EVA stands out apart from ROA ROE which are most accepted measures of bank performance. This is because it includes cost of equity capital employed. On the other hand, net banking income and the efficiency ratio, also, do not consider the cost of equity capital employed. Therefore, these ratios possibly will propose a banks performance as healthy but in fact it could be deteriorating its value to its shareholders. EVA is essentially a tool that focuses on maximizing shareholder wealth. EVA = Adjusted earnings Opportunity cost of capital {Net operating Profit after Taxes} {Cost of Equity X Equity Capital } With an aim of creating values, the return on invested capital (ROIC) for a bank must be greater than cost of capital. So, the EVA can be possibly increased in quite a few ways, by: 1) Increasing Net operating Profit after Taxes; 2) Lowering the Cost of Equity and 3) Reducing Equity Capital Conclusion Year on year Goldman Sachs revenues have descended by 11.04% from $51.67bn to $45.97bn. This along with an increase in the cost of goods sold expense has contributed to a reduction in net income from $13.39bn to $8.35bn, a 37.59% decrease. In 2010, Goldman Sachs did not generate a significant amount of cash. Cash Flow from Financing totalled $7.84bn or 17.05% of revenues. In addition the company used 6.16bn for operations while cash used for investing totalled $185m. Goldman results were also dragged down by a $465 million one-time expense to cover a U.K. payroll tax and a $550 million outlay to settle  SEC  charges that it favoured certain clients over others.

Differences in Competencies Between Associate Degree and Baccalaureate Degree Nurses Essay

Differences in Competencies Between Associate Degree and Baccalaureate Degree Nurses Nursing education can be confusing because there are so many ways to become a nurse. However, throughout history, nurse leaders have advocated the importance of higher education for nurses. But as nursing shortages developed, the need for more and more nurses became apparent. To help solve the nursing shortage problem, Mildred Montag developed the associate degree of nursing program (ADN) in 1952. It was designed to be completed in two years and provide a balance of general nursing education along with clinical courses. The original program designed by Mildred Montag was for associate degree nurses to work under the supervision of professional baccalaureate prepared nurses. Due to confusion, the graduates of the associate degree nursing program were allowed to sit for the National Council Licensure Examination (NCLEX-RN). This NCLEX exam was the same exam given to baccalaureate degree nurses (Creasia & Friberg, 2011). Now, associate degree nurses can be found in almost every setting from hospitals to long term care facilities. However, even though associate nurses have the skills to provide adequate patient care, the advanced education of the baccalaureate degree nurse provides leadership skills, advanced critical thinking skill and improved patient outcomes (Lane & Kohlenberg, 2010). Therefore, in recent years the difference in competencies between the associate degree nurse and the baccalaureate degree nurse has been examined, resulting in a push for more nurses to obtain a bachelors degree (BSN). Associate degree nursing programs teach the technical aspect of nursing care. An associate prepared nurse can function well at the bedside. She can monitor the patient’s needs and record the outcomes of treatments. An associate prepared nurse can use critical thinking skills to determine her best course of action in most situations. But the constantly changing field of healthcare is demanding higher educated nurses. It is demanding nurses that are more professional and have an understanding of theory based practice. Nursing and medical organizations across the nation are recommending that all RNs advance their education. An advanced level of education can improve patient safety and quality of care (â€Å"Fact Sheet: Creating,† 2013). This has been evidenced by numerous studies on the correlation between higher educated nurses and patient outcomes. Researchers at the University of Pennsylvania conducted a study that found surgical patients had 14% lower odds of dying as an inpatient within 30 days when being cared for by higher educated nurses. Another study conducted at the University of Toronto found hospitals that increased their pool of baccalaureate prepared nurses by just 10% had a decrease in death of discharged patients (â€Å"Fact Sheet: Creating,† 2013). To fully understand the differences in competencies between an ADN and a BSN, it may be necessary to evaluate how each would perform in a specific patient care situation. For example, a 66 year male is hospitalized with an open wound on his leg. The wound is positive for MRSA and the patient is diabetic. The associate degree nurse dresses the wound properly, and teaches the patient how to take care of the wound. She helps manage the patient’s diabetes and teaches him how to manage it at home. The patient is discharged home with instructions and prescriptions. He is re-admitted a week later with high blood sugars and a worsening leg wound. The same patient is cared for by a nurse with a BSN. During his stay the nurse dresses his wound properly, and manages his blood sugar levels. During her time with him, the nurse questions the patient about his family and his home. Through casual conversation she discovers the patient lives alone, but his daughter lives close by. She also learns he is unable to clean his home properly, but he is adamant about staying there. With the patient’s permission, the nurse contacts the patient’s daughter to learn more about the challenges the patient faces in caring for himself. After talking with the daughter, the nurse discovers the patient has not had an eye exam in 5 years and his vision is poor. He does not follow a diabetic diet and prefers to eat out rather than cook at home. Armed with this new information, the nurse talks with the patient. She tactfully points out his vision problems and poor diet choices. The patient admits he needs new glasses, but cannot afford them. He admits to having trouble seeing the numbers on his insulin syringe. He also states following a diabetic diet is too difficult so he doesn’t bother. The nurse takes this information to the hospital’s case management team and together they get home health care that will help him with his dressings. They also manage to find help to clean his home and funding to get him new glasses. The nurse then makes an appointment for the patient for diabetic teaching provided by the hospital. Prior to discharge the nurse teaches the daughter how to change the wound dressing and how to give insulin injections. She encourages the daughter to go with  the patient to diabetic education classes. The BSN nurse did more than just discharge the patient. She used the metaparadigm of nursing model to treat the patient as a whole. The metaparadigm consists of person, environment, health, nursing and how they all interact with each other. (Gunther, 2011). She recognized the patient was an individual person with individual health needs. She discovered his physical and environmental challenges and learned how they were affecting his health. Utilizing the information she obtained she found the patient the appropriate help for his situation. The associate degree nurse is certainly capable of taking care of patients in almost any healthcare setting. However, healthcare is changing rapidly with increased acuity and short lengths of stay and nursing must change with it by producing more professional, well-educated nurses. References Creasia, J. L. , & Friberg, E. E. (2011). Pathways of Nursing Education. In M. Iannuzzi, & R. Richman (Eds. ), Conceptual foundations: The bridge to professional nursing practice (5th ed. (pp. 23-26). [PageBurst]. Retrieved from www. elsevier. com Fact sheet: Creating a more highly qualified nursing workforce. (2013). Retrieved from http://www. aacn. nche. edu/media-relations/fact-sheets/nursing-workforce Gunther, M. (2011). Theories and frameworks for professional nursing practice. In M. Iannuzzi, & R. Richman (Eds. ), Conceptual foundations: The bridge to professional nursing practice (5th ed. (pp. 97-99). [PageBurst]. Retrieved from www. elsevier. com Lane, S. H. , & Kohlenberg, E. (2010). The future of baccalaureate degrees for nurses. Nursing Forum, 45(4), 218-227. doi:10. 1111/j. 1744-6198. 2010. 00194.

TOWS Matrix Analysis of Interface Inc. - 1133 Words

The TOWS Matrix has been introduced by Heinz Weihhrich in 1982 and therefore analyzes the competitive advantages of a company and lead to the development of different strategies. It is a conceptual framework for systematic analysis that facilitates matching of the external environmental factors (Threats and Opportunities) with the internal ones (Strengths and Weaknesses) of the organization. It is a two- by- two cell approach that assists companies to determine their strategies. By applying this matrix, the company can easily identify how to take advantage of the opportunities it has and at the same time minimize the impact of weaknesses and protect it against threats. The TOWS matrix is a variant of the SWOT analysis, both of these techniques require the primary identification of strengths, weaknesses, opportunities and threats. The aim of SWOT analysis is to use strengths and weaknesses to reduce threats and maximize opportunities, while TOWS compares the internal and external factors. When matching strengths with opportunities, it is clear that advantage will be taken of the external opportunities by using the internal strengths. For instance, in the case of Mercedes Benz, with the technical know-how and the quality image (strength), can take advantage of the external demand for luxury cars (opportunity) by an increasingly affluent public (Clarke, 2002). 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