Financial Information for Decision Making of JB Hi-Fi Limited

Question: Examine about the Financial Information for Decision Making of JB Hi-Fi Limited. Answer: Presentation The investigation of monetary execution and position is basic from the points of view of the speculators. The speculators put their cash on stake by putting resources into the companys shares along these lines they ought to have comprehension of the companys money related execution and position (Needles, Powers, and Crosson, 2013). All together break down the companys money related execution, it is basic to survey the matter of the organization on four center boundaries, for example, gainfulness, liquidity, effectiveness, and equipping. In this specific situation, a report has been introduced here that covers the budgetary investigation of JB Hi-Fi Limited over the time of three monetary years initiating from 2014 and finishing on 2016. Organization Background The JB Hi-Fi Limited, headquartered in Chadstone (Australia), recorded on Australian stock trade, is a retailing organization. The organization participates in the matter of retail deals of home shopper items through two land sections, for example, Australia and New Zealand (JB Hi-Fi, 2016). The organization offers a scope of items which incorporates electronic items, media transmission, and cooking items. The organization was fused in the year 1974 and from that point forward it has developed complex to hold by and by 194 JB Hi-Fi stores. Directly the organization utilizes 7,814 individuals, which delineates its developing size. In the year 2016, the organization worked with complete incomes of $3.95 billion. Further, the EBIT and Operating benefit after duty of the organization were seen to be $221.2 million and $152.2 million separately (JB Hi-Fi, 2016). The adjustments in innovation have caused basic changes in the retail business everywhere throughout the world in the ongoing past years. The retail deal through stores isn't in design now after presentation of deals through online stages. Further, the opposition has got firm not in Australia however everywhere throughout the world after presentation of online deals stage. Be that as it may, JB Hi-Fi is getting into business procurement techniques to diminish the unfavorable effect of rivalry. As of late in 2016, it has obtained one of its rival in home machines specifically Good Guys (Berry, 2016). Investigation of Financial Performance The budgetary presentation of the organization has been seen to be acceptable in the ongoing years as delineated from the steady development in the incomes, benefits, and number of stores worked. Further test into the benefit, liquidity, productivity, and outfitting is done as beneath: Gainfulness So as to evaluate the benefit of the organization, the unmistakable proportions to be specific net benefit and profit for value have been investigated. The net benefit proportion shows benefits propionate to deals (Tracy, 2012). Concerning JB Hi-Fi, the net benefit proportion for the year 2014, 2015, and 2016 have been seen as 3.67%, 3.75%, and 3.84% individually (Appendix). In this manner, it could be seen that the net benefit proportion of the organization has improved throughout the years. The expansion in net benefits proportion is the aftereffect of cost cutting. Because of expanded rivalry in the business, the organization will undoubtedly discover the cost cutting instruments. Further, return on value shows benefits owing to the value proprietors proportionate to the all out investors value (Tracy, 2012). The arrival on value of JB Hi-Fi has been seen as 43.54%, 39.83%, and 37.62% for the years 2014, 2015, and 2016 (Appendix). The arrival on value is indicating descending pattern. The essential purpose behind defeat in the arrival on value is increment in the investors value over the period. The investors value has expanded from $294 million out of 2014 to $404 million of every 2016. Harvey Norman is the greatest contender of JB Hi-Fi. Contrasting the benefit of JB Hi-Fi with Harvey Norman, it has been seen that net benefits proportion of the organization is lower than that of contender. Nonetheless, the arrival on value of the organization is better. Harvey Norman has net benefit proportion of 12.34% while the arrival on value is 13.40% (Morningstar, 2017). Liquidity All together evaluate liquidity, the essential proportions, for example, current proportion and fast proportion have been figured and examined. The current and fast proportions show companys capacity to meet the transient obligation commitments. Higher the proportion better will be the liquidity position on the organization (Tracy, 2012). On account of JB Hi-Fi, the current proportion has been seen as 1.64, 1.62, and 1.57 occasions for the money related years 2014, 2015, and 2016 separately (Appendix). The current proportion could be seen to show the descending pattern over the timeframe. Further, the brisk proportion has been seen as 0.34, 0.36, 0.35 occasions (Appendix). The diminishing pattern in current proportion suggests corruption in the liquidity position of the organization. Be that as it may, the current proportion of the organization is still superior to that of its rival. Harvey Norman has current proportion of 1.26 occasions which is lower than the companys current proportion of 1.64 occasions. Productivity The estimation of productivity identifies with the appraisal of administrations effectiveness concerning usage of advantages. The proportions, for example, receivables days, payable days, and resources turnover have been processed for this reason (Tracy, 2012). The receivable days have been seen as 7, 8, and 9 days for 2014, 2015, and 2016. The receivable days are indicating a tad increment which is antagonistic for the organization in light of the fact that the assets are being tied for longer time now. The payable days have been seen as 33, 32, and 36. The expansion in payable days is great for the organization since now organization is getting more credit period from the providers. The benefit turnover proportion is additionally demonstrating descending pattern. The proportion tumbled from 4.05 occasions in 2014 to 3.99 occasions in 2016 (Appendix). The reduction in the advantage turnover proportion shows corruption in the administrations effectiveness with respect to use of the b enefits ideally. Equipping/Solvency The outfitting or dissolvability suggests the companys capacity to meet the drawn out obligation commitments on schedule. For this reason, the obligation value proportion and obligation to resource proportions are viewed as appropriate to assess. The obligation to value proportion surveys the obligation propionate to value and obligation to resource proportion evaluates all out resources financed by obligation reserves (Tracy, 2012). On account of JB Hi-Fi, the obligation to value proportion has been seen as 1.92, 1.60, and 1.46 occasions for the money related years 2014, 2015, and 2016 individually. It could be seen that obligation to value proportion is diminishing over the period which demonstrates decrease in the danger of dissolvability. Further, the obligation to resource proportion is likewise seen to be diminishing. In the year 2014, it was 0.66 occasions and went down to 0.59 occasions in the year 2016 (supplement). The obligation value proportion of Harvey Norman is 0.08 occasions which is route lower than that of the organization (Morningstar, 2017). Along these lines, it could be deduced that the organization is bearing more dissolvability chance than the contender. End From the conversation in the report, it could be explained that the money related execution of JB Hi-Fi is moderate. The organization is developing at a moderate pace. The income and net benefits are expanding however at moderate pace. Further, on specific boundaries the organization is falling behind its rival. The net edge of organization is lower than the contender. Further, the obligation to value proportion of the organization is higher than the contender which delineates high dissolvability hazard for the organization. In any case, the way that organization has obtained one of its rivals to be specific Good Guys could give motivation to financial specialists to make interest in the companys shares. The securing of Good Guys is anticipated to have positive effect on the budgetary presentation of the organization. Hence, it is prescribed to the financial specialists to make interest in the companys shares from the transient point of view. References Berry, P. 2016. JB Hi-Fi takes advertise lead with Good Guys. [Online]. Accessible at: https://www.news.com.au/money/business/breaking-news/jb-hifi-gets the-heroes/report/a181998df6d2f1f797fa2f8d28ab3f6d [Accessed on: 17 May 2017]. JB Hi-Fi. 2016. Yearly report of JB Hi-Fi Limited for 2016. [Online]. Accessible at: https://www.jbhifi.com.au/Documents/2016%20JB%20Hi-Fi%20Annual%20Report_ASX.pdf [Accessed on: 17 May 2017]. Morningstar. 2017. Harvey Norman Holdings Ltd. [Online]. Accessible at: https://financials.morningstar.com/proportions/r.html?t=HVN [Accessed on: 17 May 2017]. Needles, B.E., Powers, M., and Crosson, S.V. 2013. Monetary and Managerial Accounting. Cengage Learning. PWC. 2017. 2017 Retail slants. [Online]. Accessible at: https://www.strategyand.pwc.com/pattern/2017-retail-patterns [Accessed on: 17 May 2017]. Tracy, A. 2012. Proportion Analysis Fundamentals: How 17 Financial Ratios Can Allow You to Analyze Any Business on the Planet. RatioAnalysis.net.

The Political Party Effect essays

The Political Party Effect expositions Since the start of human progress, approaches from laws to guidelines have been expected to help oversee groups of individuals. These strategies ought to be intended to give every individual the most ideal gauges so as to give every person the most ideal life. Arrangements ought not be made up by a solitary gathering of individuals, yet by a total of various sorts of individuals from everywhere throughout the body (Russell 1). From the beginning of time, various suppositions and perspectives have made residents part into political gatherings, and when a gathering with defective judgment picks up power it makes strategies be framed by wrong goals and egotistical musings, which has created numerous laws and guidelines in different areas around the globe that relate to the select gathering of individuals who ordered the law instead of the entire nation. In the appointment of 1800, Thomas Jefferson and John Adams partitioned themselves into two distinct gatherings called ideological groups which began another political period comprising of a ceaseless fight between individuals with various political convictions. Before we can design arrangements to order into laws, we should initially discover what we think about useful for every person. Every guideline must be sufficiently wide to fit any sort of individual, yet still be sufficiently explicit to get the point over. A law can never remove singularity and power individuals to act the equivalent. On the off chance that one forces their sentiments on a gathering and powers them to concur with all that he says, he will remove singularity (Russell 1). At the point when singularity is removed, it negates the entire reason for legislative issues in any case. One must have the option to make his own sentiment dependent on data and pick which thought to accept. At the point when an arrangement is made with a productive thought process, it permits the great to develop, however when one is roused by ownership, it causes strain and struggle inside a people (Russell 1). ... <!

Ethics of Offshoring Novo Nordisk

Basic gave of the suitability of leading clinical preliminaries in developing nations has emerged over years. Being a main organization in biopharmaceutical industry, Novo Nordisk faces the investigates of whether it is equity to offshoring their clinical preliminaries in creating economies. With the consistency of moral standards raised by Novo Nordisk, the organization would have the option to move their preliminaries into developing economies with the wellbeing for partners. I will likewise propose thoughts to Mr, Dejgaard for conceivable way to deal with media just as the practices that Novo Nordisk could have changed after some time toward the end. Leading Clinical Trials in Emerging Economies With Utilitarian methodology, each gathering has alternate points of view in the result of an activity. For this situation, we have investors, representatives, clients, gracefully chain, government and nearby networks, with optional partners of media, particular vested parties and NGOs. For clients, government and neighborhood networks, they underline more on the evidence of adequacy and security of clinical items. While investors, representatives, flexibly chain care a greater amount of the benefit overall when all is said in done. Therefore, Novo Nordisk will be in an ideal situation expanding its benefits while holding their moral equity for leading clinical preliminaries in developing nations. Financial Aspect As the Nobel prize victor, Milton Friedman called attention to that making benefit will be the primary goal for business to satisfy social duty, Novo Nordisk has each privilege to amplify its wellbeing for its partners incorporate investors, representatives, clients, providers, governments and neighborhood networks. From money related execution point of view, leading clinical preliminaries in rising economies benefits Novo Nordisk from sparing expenses, getting to bigger segment member, complying with less severe guidelines applied, and setting up viability in various ecological onditions. Moral Aspect On the other hand, firms ought to consider the corporate social obligation brought by the general public. Firms unquestionably need to consolidate their most noteworthy good measures to fabricate trust and notoriety for themselves so as to all the more likely off in since quite a while ago run. Novo Nordisk consistently follows the guideline from Helsinki Declaration with other worldwi de moral rules. They ensured that the intrigue and prosperity of the preliminary subject ought to consistently rise above over the enthusiasm of science, society and business. Choice Principles Despite the fact that I think leading clinical preliminaries in developing economies is gainful to the firm, Novo Nordisk should even now follow underneath rules for this significant choice to ensure its own notoriety and serve the wellbeing for each partner: †¢ Execute clinical preliminaries when the inward association is settled and outer condition is legitimate controlled in rising nations. †¢ Conduct fake treatment clinical preliminaries when they are deductively and morally legitimized. †¢ Ensure the human privileges of the members in rising nations related with the anticipated dangers Reactions to The Media I comprehend that Mr. Dejaard holds a high moral stands, and isn't keen on deceiving people in general or moral masking in the reaction. It is likewise essential to clear up the moves Novo Nordisk has made for as far back as years and give open an away from of how the firm is working. In the event that a writer is welcoming for a meeting, Mr. Dejaard should introduce himself into the general population and reaction to the request individuals have, something else, nonattendance will just show untrustworthy picture that he may attempt to escape from the issue. Clinical Ethics I will propose Mr. Dejaard to pull out chronicled information demonstrating that the irregular checks explored from Food and Drug Administration (FDA), the American and European specialists have never distinguished moral issues in clinical preliminaries in developing economies. Second, attest the ethic codes from their organization will assist the publics with receiving the picture of Novo Nordisk has consented to the Helsinki Declaration of the World Medical Association. Moral Business Media may request the decency of directing fake treatment try in developing nations by Novo Nordisk dependent on the business slants in late time. Mr. Dejaard could reaction to them that Novo Nordisk ordinarily avoid fake treatment preliminaries, and just utilized in stage 1 preliminaries which just solid volunteers partook. Likewise, Novo Nordisk surrounded new business morals strategy in 2005 with for the most part acknowledged exclusive requirements while preparing directors and representatives going to workshops and offering e-learning arrangement. To all the more likely react to the media, Mr. Dejaard could likewise show that Novo Nordisk will attempt to actualize some new activity plan that could profit partners all in all so as to limit moral clashes. I recommend the accompanying activity plan for Novo Nordisk to profit them in since quite a while ago run. Activity Plan Enhance Auditing System To assemble trust for the partner for Novo Nordisk, I accept the firm ought to build up a progressively strong reviewing framework. Rather evaluating 10% everything being equal, Novo Nordisk should build the rate up to half or more. From a general visibility, 10% of exploring in all preliminaries isn't sufficiently adequate to demonstrate that the preliminaries are moral directed. With the expanding number of preliminaries being examined and researched, the nature of the clinical preliminaries could be better controlled. Develop Placebo Experiment Standard In the â€Å"Clinical Trials: Novo Nordisk’s Position,† it brought up that fake treatment may be utilized as comparator when experimentally and moral legitimized. It is very indistinct for open to recognize what might be a fitting fake treatment test for Novo Nordisk to direct while demonstrated treatment is accessible. It is critical to insiders to distinguish whether directing fake treatment try in specific situations will have any extra hazard and irreversible damage.

Essay William Carlos Williams and His Imagist Poetry

William Carlos Williams and His Imagist Poetry Modernism and Imagism, two movements in literature ,which were developed in the 20th century .At the beginning of the decade ,modernism was a revolution of style .Crime, depression, and materialism filled this era. Musician, artists,and writers broke away from technique to create a new art.Also, imagism brought fragmental and chaotic life where nobody felt secure and happy.After that,modernism was related with decent and realistic art form.The modernist artists like Edwin Dickinson and a painter Arthur Dove looked for an object of inspiration ,individual vision and the value of immediate†¦show more content†¦According to Encyclopedia of World Biography ‘’ about her interest in art, which became ,as he says, his own’’ and we could read from the same reference ‘’it was his mother who shaped the man himself and the verse he actually created’’. At the first time, William became fascinated by visual art and was concerned in shapes and objects while he was observing his mother during a little painting or ‘’an outdoor study of a twig of yellow and red crab-apples from a nail’’(3). Williams was not only fascinated for painting but also for poetry and prose where his experience abroad and got to know Ezra Pound and Charles Demuth to help him find his own style of writing. As a schoolboy he spent two years in Switzerland and Paris and during his medical studies he visited Germany, Great Brit ain, and other European countries. When William was in Paris , he developed a part of his imagination by simple activity and observation. However, Europe was the kind of artistic movement and of new thoughts which gave him entrance to gain experience in modern art. While being in college , William foundShow MoreRelatedWilliam Carlos Williams : An Influential Poet1181 Words   |  5 Pagesimpacted by these movements was William Carlos Williams. His rapidly changing work changed for the better and caused him to become an influential literary figure. A literary experimenter and innovator, William Carlos Williams, was a busy and hardworking poet. William Carlos Williams was born in Rutherford, NJ on September 17, 1883. He was introduced to literature and the arts, especially Shakespeare, at a fairly young age. Williams became a doctor and fulfilled his passion every day, which was servingRead MoreImagism in Ezra Pound, William Carlos Williams and Marianne Moore1601 Words   |  7 Pagesphilosophy do Ezra Pound, William Carlos Williams and Marianne Moore share? A) Ezra Pound, William Carlos Williams and Marianne Moore were all modernist poets. Modernist poetry deals with experiment and innovation. All three were imagists, though at a later stage, William Carlos Williams started disagreeing with Ezra Pound. Ezra Pound Ezra Pound was the most aggressive of the modernist poets, who made â€Å"Make it new!† his battle cry. He turned to classical Chinese poetry as his source for inspirationRead MoreThe Pure Products Of America1395 Words   |  6 PagesDr. Shaheen Literary Analysis The pure products of America What is the American Dream? In the poem, To Elsie, William Carlos Williams asks us the many questions lurking beneath the pavement of our perception behind the American dream: what are the ‘pure products of America’ and what is the reality of this imagined concept? Through the use of texture and form, Williams perfectly depicts with cynical aptitude the recycled degradation of society. In To Elsie, a depraved America is personifiedRead MoreThe American Dream during the Time of the Imagist Movement2357 Words   |  9 PagesI, too, dislike it. Reading it, however, with a perfect contempt for it, one discovers in it, after all, a place for the genuine (Twentieth-Cenutry 231). The time of the imagists was a time of change. Sometimes that change was and other times it wasnt so good. They fought for freedom, refering to African Americans and the fight for civil rights. They changed the rules on how to write. They even made such a lasting impression that the way of writing continued past the time period and changed intoRead MoreAmerican Literature in the Period between 1914-1945887 Words   |  4 Pageshad many changes from World War I and II, the stock market crashing in the 1920’s, therefore leading to economic depression. This became an inspiration to many of the literary writers. Many writers such as Robert Frost Susan Glaspell and William Carlos Williams be gan to celebrate the modern developments while many others lamented on them, or they began to believe that many old literary forms would not be able to work for these new times and were so inspired by the endless possibilities of creatingRead MorePoetry Essay Compare Contrast: Williams vs. Frost2255 Words   |  10 PagesHonors Professor M. Essay #1 Poetry Compare Contrast Due: February 20, 2011 Life Must Go On William Carlos Williams and Robert Frost are known as two of the greatest poets of their time and still highly regarded as two of the best poets of all time. Robert Frost was born in 1874 in San Francisco, California according to The Associated Press. William Carlos Williams was born in 1883 in RutherfordRead More Message of Hope in Eliots The Waste Land, Gerontion, and The Love Song of J. Alfred Prufrock2426 Words   |  10 Pagesrevolutionary, yet he revolutionized the way the Western world writes and reads poetry. Some of his works were as imagist and incomprehensible as could be most of it in free verse, yet his concentration was always on the meaning of his language, and the lessons he wished to teach with them. Eliot consorted with modernist literary iconoclast Ezra Pound but was obsessed with the traditional works of Shakespeare and Dante. He was a man of his time yet was obsessed with the past. He was born in the United StatesRead MoreBrief Survey of American Literature3339 Words   |  14 Pagesreligious and territorial aspirations - Native American oral literature / oral tradition - European explorers’ letters, diaries, reports, etc., such as Christopher Columbus’s letters about his voyage to the â€Å"New world†. - Anglo (New England) settlers’ books, sermons, journals, narratives, and poetry Native American / American Indian oral literature / oral tradition creation storiesï ¼Ë†Ã¨ µ ·Ã¦ º Ã§ ¥Å¾Ã¨ ¯ Ã¯ ¼â€° trickster talesï ¼Ë†Ã¦  ¶Ã¤ ½Å"å‰ §Ã¨â‚¬â€¦Ã¤ ¼  Ã¥ ¥â€¡Ã¯ ¼â€° rituals / ceremoniesï ¼Ë†Ã¥â€¦ ¸Ã¤ » ªÃ¯ ¼â€° songs / chantsï ¼Ë†Ã¦â€º ²Ã¨ ¯ Ã¯ ¼â€° Anglo Settlers’ Writings HighlyRead MoreModernist Elements in the Hollow Men7051 Words   |  29 Pagesreaders. T.S. Eliot, who always believed that in his end is his beginning, died and left his verse full of hidden messages to be understood, and codes to be deciphered. It is this complexity, which is at the heart of modernism as a literary movement, that makes of Eliot’s poetry very typically modernist. As Ezra Pound once famously stated, Eliot truly did â€Å"modernize himself†. Although his poetry was subject to important transformations over the course of his career, all of it is characterized by many unifying

Why students should wear school uniforms free essay sample

Do you think school uniforms should be mandatory for public schools? In recent years, fashion trends have become more seductive. The fashion industries are making clothes for men and women, which are less revealing of their bodies. Also, many teenagers devote too much of their time getting dressed. In addition, many young teens want to dress similar, to what they see on television. Furthermore, young ladies are dressing in skin tight clothes. Uniforms should be mandatory in schools because it will be less distractive, provides a formal appearance, and it will instill school pride. If schools enforce uniforms, there will be fewer distractions for students. There are many teenage girls, dressing too provocative in schools. Considering, many teens are imitating the new fashion trends. Fashion industries are making clothes less revealing, and tighter on their bodies. For this reason, it makes it difficult for teenagers to concentrate on their school material. We will write a custom essay sample on Why students should wear school uniforms or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Students are more attentive to what people are wearing, than what their professor is teaching. For example, there can be discrimination towards other students, if they are not up to date in the latest fashion trend. Therefore, students will be less distracted and paying more attention in class, if they all would wear school uniforms. The clothing that students wear to school has to appear formal. For instance, many male teenagers are wearing baggy clothing, which reveals their under garments. Students do not want to be spectators of offensive and inappropriate fashions. School uniforms should have a proper size for each student. It is inappropriate to dress with ripped clothing or to look like they just got out of their bed. Also, teenagers should not be allowed to wear oversized pants that sag. Therefore, schools should have strict dress codes enforced, to prevent improper use of school uniforms. All students who wear school uniforms promote school pride. This provides school support, and unity among students. Uniforms promote group spirit and helps maintain academic standards. Students can go to school without worrying about their safety because of the way they dress. Furthermore, school staff can quickly identify a student by his uniform, if a student does not belong to the school. Schools will benefit from engraving their colors in their school uniforms, because students will wear them with pride and honor. In summary, public schools should make uniforms mandatory to be less distractive, to look formal, and to instill school pride. Public schools need to educate their students, on how to dress presentable from an early age. Parents will need to support their children, and monitor what they wear. Furthermore, teenagers need to have pride in their appearance and in their school colors. Students will learn responsibility, by getting their uniforms ready for school in the morning. School uniforms would be a positive change because it will change the appearance of public school students. Finally, this will help prepare them to become, role models in their society.

Raza Unida Party Book Report

The book has to do with third parties in the United States of America. The writer talks of a party – an organized ethnic grouping in the 1970s. The  group  had only one agenda – to question the existence of the historically  dominant  parties in the United States of America: democratic and republican parties. The book traces La Raza Unida Party  right  from its inception. Advertising We will write a custom essay sample on Raza Unida Party Book specifically for you for only $16.05 $11/page Learn More It outlines the reasons for the party formation, the group  vision  and  belief  and its leadership. The book details La Raza Unida Party’s structure, the main strategy employed and the electoral campaign  mode. Other things discussed in the book cover the  party  successes and failures. Besides theses issues, the book details with the general issues concerning the  political  organizing in some states within the United States of America. Some of the states mentioned in the book  include  Arizona, Colorado, New Mexico, Mid West, Texas and California. The book utilizes rich resource basis to discuss political issues and suggest future political cause of action to be taken. Some of the material resources used by the writer for this book  include  written documents, diaries, letters, position papers and minutes. The author also uses published materials such as  strategy  literatures, published political magazines and articles in the newspapers. The author’s personal experience in the organization of this party informs most of the thoughts on this book. The writer documents in this book his involvement in the establishment of the La Raza Unida Party in the California state of the United States of America. This  brilliant  history shapes the  philosophy  and beliefs behind this great book. The book raises a discussion on the possibilities that third parties have to succeed in the American political scene. The book points out the political strengths and  key  weaknesses of the traditional political parties. It also highlights the historical matters concerning the  political  dictatorship of the two leading US parties. It noted the  politics  that favor some US citizens more than others. Book Discussion. This book is  vital  for the evaluation of the political climate in the United States of America. Anyone who wants to understand the  politics  played in the United States will have interest to read this book. The book highlights the political happenings in the United States of America. It also highlights the reasons why for decades and centuries it has been  difficult  to  defeat  these parties. The writer explores the reasons for  political  failures by third parties in the United States. The writer observes that a third party had to do with an organized group with leaders, registered members and political supporters. The organized group got designated as a political party. Advertising Looking for essay on history? Let's see if we can help you! Get your first paper with 15% OFF Learn More It documented the  general  goals and claim to be achieved. It had to face  difficult  opposition  by the political systems and the  dominant  party dictatorship to  force  its ideologies to the American people. Important to note would be the fact that traditional parties were not about winning the loyalty of the American people as opposed to providing a real challenge to the dormant US political parties (Navarro, 2000, 4). Conclusion This book reveals the true identity of third parties, their political organizing and experiences. It provides  political  strategists with a way  forward  that when harnessed will change how democratic politics happen in the future of the United States of America. Works Cited Navarro, Armando. La Raza Unida Party: A Chicano Chall enge to the U.S. Two-Party Dictatorship. California: Temple University Press, 2000. Web. This essay on Raza Unida Party Book was written and submitted by user Caitlin Puckett to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Should I Go to One of the Big 10 Schools

Should I Go to One of the Big 10 Schools SAT / ACT Prep Online Guides and Tips The Big Ten is one of the most prestigious intercollegiate athletic conferences in the country. It has 14 member schools, most of which are located in the Midwest. While they’re all unique, Big 10schools have many commonalities and are known for emphasizing both athletics and academics. In this article, I’ll do the following: Give you the names of all of the Big Ten universitiesand provide information about each school Describe the attributes of Big Ten colleges Detail possible advantages and disadvantages of attending a Big Ten school Explain how to decide if you should attend one of the Big Ten schools What Is the Big 10? The Big 10 is one of the premier intercollegiate athletic conferences in the country.All of its member institutions are NCAA Division I schools with FBS programs.The Big Ten sponsors 28 official sports, 14 for men and 14 for women.Big Ten schools compete in a total of 42 sports, and they have combined to win more than 450 team and 1800 individual national championships. Confusingly, even though there were 10 schools in the Big Tenfor much of its history, now there are 14 schools that are part of the Big 10. TheBig Ten includes the following colleges: University of Illinois at Urbana-Champaign Indiana University Bloomington University of Iowa University of Minnesota Twin Cities University of Michigan Michigan State University University of Maryland, College Park, University of Nebraska-Lincoln Northwestern University The Ohio State University Penn State University Purdue University Rutgers University University of Wisconsin-Madison Northwestern is the only private college in the Big 10. The other schools are large publicuniversities.Maryland and Rutgers are the most recent additions to the Big Ten. They’re also the only east coast schools in the Big Ten. Rutgers is in New Brunswick, New Jersey. The rest of the Big Ten schools are in the Midwest. Want to get better grades and test scores? We can help. PrepScholar Tutors is the world's best tutoring service. We combine world-class expert tutors with our proprietary teaching techniques. Our students have gotten A's on thousands of classes, perfect 5's on AP tests, and ludicrously high SAT Subject Test scores. Whether you need help with science, math, English, social science, or more, we've got you covered. Get better grades today with PrepScholar Tutors. What Makes Big 10Colleges Unique? Big Ten schools offer big-time athletics at well-regarded academic institutions.Most of the Big Ten schools are in spirited college towns. The surrounding population proudly supports the school. The students, alumni, and residents of the area are generally big fans of the athletic teams and are eager to show their school pride. With the exception of Northwestern, these are among the largest schools in their respective states and some of the biggest schools in the country. Comparing Big Ten Schools I created a table with the undergraduate enrollments, average standardized test scores, and the acceptance rates of the Big Ten universities.Penn State has the largest undergraduate enrollment at almost 46,000. Northwestern has the smallest at 8,278. Also,Northwestern is the most selective school with an acceptance rate of only 15%. The schools are listed in order of their acceptance rates. School Location Undergraduate Enrollment Average SAT Score Average ACT Score Acceptance Rate Northwestern University Evanston, IL 8,278 1490 33 9% University of Michigan Ann Arbor, MI 28,921 1415 31 29% University of Minnesota Minneapolis, MN 35,433 1360 29 50% University of Maryland College Park, MD 29,868 1380 30 44% University of Wisconsin Madison, WI 32,196 1390 30 49% The Ohio State University Columbus, OH 45,946 1350 30 54% Penn State University University Park, PA 40,835 1250 28 51% Rutgers University New Brunswick, NJ 35,641 1300 28 57% Purdue University West Lafayette, IN 31,006 1290 29 57% University of Illinois Champaign, IL 33,955 1380 30 62% Michigan State University East Lansing, MI 38,996 1220 26 72% University of Nebraska-Lincoln Lincoln, NE 20,954 1230 25 64% Indiana University Bloomington, IN 33,429 1250 28 76% University of Iowa Iowa City, IA 24,503 1240 26 86% Possible Advantages and Disadvantages of Attending a Big Ten School Even though most of the Big Ten schools are large public universities in the Midwest, it’s difficult to generalize all Big Ten schools. For example, the environments at the University of Nebraska-Lincoln and Rutgers are quite different. Lincoln, Nebraska and New Brunswick, New Jersey are in different regions of the country. The demographics of their student bodies are strikingly different. Rutgers is 43% white while UNL is 78% white. Furthermore, 83% of Rutgers students come from New Jersey while 77% of UNL students come from Nebraska. At UNL, there are nine majors related to agriculture. At Rutgers, there is only one. The strengths, weaknesses, majors offered, locations, acceptance rates, and student bodies vary for each Big Ten school.However, you can make some generalizations about the pros and cons of attending a Big Ten school. Pros of Big Ten Schools Here are some of the biggest advantages of attending a Big Ten institution. School Spirit Big Ten schools offer very spirited environments. Most students who attend a Big Ten school seem to love their college. You can’t walk around campus or go to an off-campus bar or restaurant without seeing the college colors everywhere. During my multiple visits tothe University of Illinois, I saw thousands of students wearing orange and blue and many shops selling University of Illinois apparel and souvenirs. When I was in college competing for the gymnastics team at Stanford, we went to the University of Nebraska for NCAA Championships during my freshman year. I remember being at an off-campus Subway and seeing posters for the women’s volleyball and gymnastics teams at Nebraska on the wall.Sadly, I never saw a Stanford men’s gymnastics team poster in Palo Alto while I was at Stanford. Big-Time Football The Big Ten is one of the top football conferences in America.College football is ridiculously popular, and the Big Ten is one of the most prestigious football conferences in the country. On game days at UNL, the number of people inside of the football stadium would make it the third largest city in Nebraska.Four of the football stadiums in the Big Ten are among the 17 largest football stadiums in the country. A few years ago, I went to a college football game at the University of Wisconsin-Madison for its homecoming game. Wisconsin wasn’t playing a particularly good team, but the stadium was completely full, and people came from all over the state and country to attend and support the Badgers. There was more enthusiasm and energy there than at the handful of NFL games I've attended. Big-Time Academics Big Ten Schools are well-regarded academically.Northwestern is ranked as the #12 National University by US News.The other Big Ten schools are considered to be some of the best public universities in the country.US News ranks the University of Michigan as the #4 public university (#27 National University), University of Illinois and the University of Wisconsin are ranked in the top 15, and many others are ranked highly as well. They Offer the Benefits of Large Universities Outside of Northwestern, Big Ten schools are all large public universities, so they offer all of the advantages of attending a large state school.They offer a wider variety of degrees and programs than smaller colleges.At Penn State, there are more than 160 different possible majors. For comparison, at Amherst College, one of the best liberal arts colleges in the country, there are only 38 different majors. At the University of Iowa, there are unique, specialized majors like actuarial science, rhetoric and composition, athletic training, and music therapy.At the University of Minnesota, you can major in construction management or apparel and textiles. Also, there are a wide variety of extracurricular activities.Because of the quantity of students at these schools, there are tons of student organizations, clubs, and fraternities and sororities.At the University of Maryland, there are 72 Greek organizations and 61 cultural organizations, including the Argentine Tango Club, the NAACP, the Pride Alliance, and the Vietnamese Student Association. At Johns Hopkins, a private college in Maryland, there are only 23 Greek organizations. Because public colleges are subsidized by state governments, the cost of attendance for in-state residents is lower.The tuition and mandatory fees for a Michigan resident at Michigan State University are $14,552, and they're $39,827 for an out-of-state student. At Northwestern, the lone private college in the Big Ten, tuition and fees are $56,232 annually. However, Northwestern does meet 100% of demonstrated financial need and provides generousfinancial aid packages. Tracy O/Flickr Cons While there are many advantages of attending a Big Ten school, there are some potential disadvantages. Not Geographically Diverse Because Big Ten schools are all state schools (with the exception of Northwestern), the majority of students are in-state residents. At private colleges, you can usually meet a greater percentage of out-of-state and international students. At private colleges, the cost of attendance is the same for in-state and out-of-state students, and many private colleges emphasize geographic diversity in their admissions and recruiting. For example, atRutgers, 83% of students are from New Jersey. Meanwhile, at Princeton, a private Ivy League school also in New Jersey, only 19% of students are from New Jersey. Part of the education process in college is about learning from your peers, and you can gain a different perspective and a better understanding of others if you’re surrounded by more people from different states and countries. Large Class Sizes Due to the size of most of the Big Ten schools, students often have to take lecture classes with hundreds of students, especially in introductory courses.At Ohio State University, the student-faculty ratio is 19:1 and 22% of classes have 50 or more students. At Kenyon College, a liberal arts college in Ohio, the student-faculty ratio is 10:1 and only 0.7% of classes have 50 or more students.Many students learn better in smaller classes where there is more interaction, and students can more easily ask the professor questions. Not Located in Urban Areas Many Big Ten schools are in college towns that are somewhat removed from urban environments and all they have to offer.I remember driving to Penn State and there didn’t seem to be any sign of civilization for two hours in any direction. Similarly, when I got off the plane in Champaign, IL for my recruiting trip to the University of Illinois, I saw corn fields and realized I was very far from LA. While other big ten schools aren't as rural as Penn State or U of I, most are located in smaller cities. Some notable exceptions are the University of Minnesota, which is located in Minneapolis, Northwestern (which seems to be the exception to all Big Ten generalizations), which is close to Chicago, Rutgers, which is close to New York City, Ohio State University, which is in Columbus, and the University of Maryland, which is close to DC. For most other Big 10 schools you're within an hour or two of a decently-sized city, but if you're hoping for urban life right on your doorstep, you may be disappointed. The Weather All of the Big Ten schools are in areas with relatively harsh winters. While the weather shouldn’t be the most important factor for you in choosing a college, some students enjoy attending a college in a temperate climate with year-round sunshine and 70 degree temperatures in the winter.If you’re from Florida or California, you’ll probably have to get some actual winter clothing before attending a Big Ten school. How To Decide if You Should Attend a Big Ten School If you're trying to decide whether or not to attend a Big Ten school, go through the same process you should go through when deciding which colleges to apply to and which one to attend.Decide the factors that are important to you in a college. Think about the location, selectivity, size, and the majors offered at the school, and determine how much each factor matters to you. Look at the school’s website, and use guidebooks, college finders, search websites, and ranking lists to help you in the college selection process. If possible, consult with teachers, parents, counselors, current students, and alumni.If finances are a big concern for you, wait until you receive your financial aid packages from the schools that accept you to determine what your out-of-pocket expenses will be for each school. Personally, I think that I would have really enjoyed attending a Big Ten school. When I was at Ohio State, Penn State, the University of Illinois, Nebraska, and the University of Wisconsin (those are the only Big Ten schools I’ve been able to visit), I was so impressed by and attracted to the spirited on-campus environments and the uniqueness of attending a school in a real college town. However, some students prefer the environment at a small college, or they don’t want to be at a school that places so much emphasis on athletics. If you're interested in colleges that are similar to Big Ten schools in offering big-time athletics and quality academics at a large public university in a college town, you may also be interested in the University of Texas-Austin, Texas AM, the University of Florida, or the University of California-Berkeley. If you would like to attend a private college that offers big-time athletics and quality academics, then Northwestern, USC, Stanford, Duke, and the University of Notre Dame may be good options for you. It’s important to find the school that best fits your personality and has the resources and environment that will best allow you to thrive and reach your academic and professional goals. What's Next? To help you figure out what you're looking for in a school, learn how to do college research. Also, read this article about whether you should go to a rural, urban, or suburban college. Finally, if you're looking for a diverse college, check out this post about the most diverse colleges in the country. Want to improve your SAT score by 160 points 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:

Community Marketing Through Social Media Essay Example | Topics and Well Written Essays - 750 words

Community Marketing Through Social Media - Essay Example This is a strategy to actively engage an audience in a non-intrusive manner usually in a public forum. Unlike traditional marketing strategies, community market has its focus on the needs of existing customers. In a nutshell community marketing seeks to establish a permanent connection between existing customers, prospects, companies, and products. By so doing it will be in a position to improve a products adoption into the wider community and also satisfy the same market while strengthening customer loyalty (Unger 2008). In the recent past social media has increasingly been commercialised. It has become a complex community which has been drawn from a wide cross-section of the community all with different backgrounds. It is this large community that has been a major target to marketing, and has made social media marketing to be considered by marketing executives. Incorporation of social media into e-commerce has changed the game of marketing and indeed drawn a lot of benefit to busin esses that are involved. The most obvious benefit would be capturing the diverse and ever growing audience that constitutes the social media. Click on display ads can be linked up with e-commerce websites that would allow customers to make required purchase at their convenience (Schneider 2011). Much as social media and community marketing cannot be measured through direct sales, such efforts usually go a long way in raising awareness of an organisation and creating a good image. Facebook fans It is very evident and clearly spelled out the returns any e store gains in terms of customer interaction and even recruiting new fans. However, it has always been an enigma how to take the momentum created by these fans and convert it to sales. The solution of creating these Facebook fans to paying customers is to create a platform that will move the fans from Facebook to the e store. This can be achieved through the following steps: Engage the fans with content they can relate to and share. Facebook is a powerful community hub, and its fans offer a rich marketing opportunity. Secondly, share content that invites the fans to the e-store. This can be through a link that offers a valuable option, such as a contest entry that will entice the fans. Finally, once the fans attention and contacts have been captured the e-store can introduce sales opportunities via email. Facebook Ads and display branding The most common way of incorporating community marketing in Facebook is through display Ads. Influential branding and strategically placed display advertisement tops the list of factors that increase sales and product awareness. Facebook display Ads can be tailored for specific audience, and be made to offer a lot more than just plain advertisement. Their dynamic nature also allows them to easily fit to any site without interfering with the main content. The only downside to this however, is that it tends to create a clustered landscape which can very easily be managed through careful targeting and selection of markets. Similarly, building brand awareness can be employed as a strategy to capture the rich market found in social media. Beyond marketing, Facebook presents a platform for organisations to directly engage with potential customers, and display their expertise in a given field. Tweeter account Another skilful way is incorporating Tweeter into e-commerce through the development of a user community. A Tweeter account of the e-store can push further the notion of spreading a positive word about the products offered to the larger market. This account can include special features such as group forums of a particular brand, and

Learning protfolio Essay Example | Topics and Well Written Essays - 1500 words

Learning protfolio - Essay Example The three components that influence this include are the intellectual; the physical; and the emotional or motivational. The validation of this concept owes to the fact that I have always looked forward to know the reasons why some employees or even companies become rivals in work related settings, which answers my question that cultural intelligence exist within the body, the heart, and the head. In depth, communication is a key factor in realizing any objective, especially in long-term missions. Cross-cultural communication is an important factor in companies that need to have an edge over their competitors (Peterson, 2004). On the other hand, my research shows that both cultural intelligence and emotional intelligence have a strong coalition since they both work together to apply to the social affairs amongst individuals as well as their significance to modern establishments. The topic explores the essentiality of different cultural backgrounds versus emotional quotient in an organization and the manner in which they interrelate to find a perfect equilibrium through human perspectives. The focus deals with decision-making actions, the manner of intervening with emotions in management and building capacities for the development of a common resolution that eventually becomes an extra importance in personal associations (Peter & John, 1990). Evidently, an individual that poss esses a high emotional intelligence combined with cultural intelligence makes him or her a rational being and concurrently makes every individual different from another. The topic also illustrates that companies experience cross-cultural behaviours, which are frequently very differentiating. For example, any new employee who joins an organization always takes an opportunity in the first few days, weeks or months to interpret its cultural code. In any big firm, sparring subcultures also tend to encroach in their activities. 3. What

The Cornell University Essay Example for Free

The Cornell University Essay Is a research that was conducted by the Cornell University and it did set a good example and helped in the development of the undeveloped nations. The research covered areas of Lake Titicaca Lima, Peru and Chibote. The main objective of this project was to make the natives of these areas in to the new world full of technology and improve their economy. Is was tasking job to put into practice because they still were to implement in other places like Bang Chan, Thailand, India, they did put records of all the works they did and even today is available in the libraries. During the course of their mission they were having problems due to communication barrier between the researchers and people who lived there, but as they continued with their research they learned these languages and some of them finally managed to speak the Quechua Language. Mario Vazquez was hired as the acting director of the Vicos Project, other seven Peruvians. The whole project to complete took the team fourteen years to complete and compile all their findings. They evaluated places like the Vicos Hacienda which had an area of estimated 44000 acres of land and of which less that 10% of it was cultivated. The fertile lands were controlled by the rich, but later the Hacienda was announced a public property something that many termed as ironical. The Cornell Project in conjunction with the government enacted good health plans and supply of essential dugs to the residents of the area, as mast of them were affected by infectious diseases which they helped and treated. Vegetations were adversely affected due to pest which had invaded the area and thus totally reducing the production. In the Hacienda there were workers who protected the horses in the farm and they were being overworked by their bosses.The project was a major success for those who managed it and they achieved their objectives as they had planned. References JSTOR: Directed Cultural Change in Peru: A Guide to the Vicos retrieved on 21st Dec 2008, available at links. jstor. org/sici? sici=0002-7294 (197703)2%3A79%3A1%3C144%3ADCCIPA%3E2. 0. C – Women and Gender Equity in Development Theory and Practice: Google Books Result retrieved on 21st Dec 2008, available at books. google. com/books? isbn=0822336987

Comparing Themes in Frosts Two Tramps in Mud Time :: comparison compare contrast essays

Diverging Themes in Frost's Two Tramps in Mud Time On the surface, Two Tramps in Mud Time seems to display Robert Frost's narrow individualism. The poem, upon first reading it, seems incongruent, with some of the stanzas having no apparent connection to the whole poem. The poem as a whole also does not appear to have a single definable theme. At one point, the narrator seems wholly narcissistic, and then turns to the power and beauty of nature. It is, however, in the final third of the poem where the narrator reveals his true thoughts to the reader, bringing resolution to the poem as a single entity, not merely a disharmonious collection of words. At the outset of the poem, the narrator gives a very superficial view of himself, almost seeming angered when one of the tramps interferes with his wood chopping: "one of them put me off my aim". This statement, along with many others, seems to focus on "me" or "my", indicating the apparrent selfishness and arrogance of the narrator: "The blows that a life of self-control/Spares to strike for the common good/That day, giving a loose to my soul,/I spent on the unimportant wood." The narrator refers to releasing his suppressed anger not upon evils that threaten "the common good", but upon the "unimportant wood". The appparent arrogance of the narrator is revealed as well by his reference to himself as a Herculean figure standing not alongside nature, but over it: "The grip on earth of outspread feet,/The life of muscles rocking soft/And smooth and moist in vernal heat." Unexpectedly, the narrator then turns toward nature, apparently abandoning his initial train of thought. He reveals the unpredictability of nature, saying that even in the middle of spring, it can be "two months back in the middle of March." Even the fauna of the land is involved with this chicanery; the arrival of the bluebird would to most indicate the arrival of spring, yet "he wouldn't advise a thing to blossom." The narrator points to the conclusion that, while on the surface, things appear to be one thing, there is always something hidden below, much like "The lurking frost in the earth beneath..." In the final three stanzas of the poem, the "frost" within the narrator comes to the surface. The humility of the narrator comes to light, with the narrator saying that the tramps' right to chop wood for a living "was the better right--agreed.

JPMorgan Chase Essay

Introduction J. P. Morgan Chase & Co. is a prominent and successful Fortune 500 company. It is the largest bank in the United States by assets. CEO James Dimon, has lead the J. P. Morgan Chase & Co. through multiple risky events. J. P. Morgan Chase & Co. has been facing multiple fines and settlements due to its failure to abide by its own code of conduct. The company has failed to follow procedures and regulations on numerous occasions. The company is becoming notorious for making unethical decisions and simply not following the guidelines. This year J. P. Morgan Chase & Co. agreed on a thirteen-billion dollar settlement regarding unethical selling of mortgage-backed securities. The selling of these mortgage-backed securities played a role in causing the financial crisis of 2008. An article found on BBC’s website does a good job of explaining this in basic simple terms. Between 2004 and 2006 US interest rates rose from 1% to 5. 35%, triggering a slowdown in the US housing market. Homeowners, many of whom could only barely afford their mortgage payments when interest rates were low, began to default on their mortgages. Default rates on sub-prime loans – high risk loans to clients with poor or no credit histories – rose to record levels. The impact of these defaults were felt across the financial system as many of the mortgages had been bundled up and sold on to banks and investors (http://news. bbc. co. uk/). This report explains and elaborates on J. P. Morgan Chase & Co. ’s role in the financial crisis. It expounds on what the company violated and unethically did to have caused the current settlement negotiation. Using multiple online resources, we gathered information plentiful enough to analyze the company’s practices and determine what steps must be taken to avoid future discrepancies. Through social media we observed how consumers’ feelings towards the company are being impacted by the current tentative settlement regarding the mortgage-backed securities. The stock market was observed and studied throughout the course of J. P. Morgan Chase & Co. ’s negotiations. It is vital to understand how shareholders are being impacted as they are a key role in a company’s success and resources. Using the information gathered this report suggests steps to take in improving not only how J. P. Morgan Chase & Co. is thought of but how the company does business. JPMorgan Violated Both Banking and Securities Laws On January 24, 2012 President Barrack Obama gave his State of the Union speech in which he stated, â€Å"Our working group is focusing on conduct related to the pooling and creation of mortgage backed securities, issues related to conduct that created the crash, not abuses that happened after the crash† (Obama). He aims to create a mortgage crisis unit that will investigate the major banks that took part in unethical practices that lead to the crisis. New York Attorney General Eric Schneiderman will co-chair the unit. The mortgage crisis unit includes officials from the Justice Department, Securities, Exchange Commission and Internal Revenue Service. Obama said in his speech that the unit â€Å"will hold accountable those who broke the law, speed assistance to homeowners, and help turn the page on an era of recklessness that hurt so many Americans. † (http://www. bloomberg. com). JPMorgan Chase violated not only banking laws but also securities laws. J. P. Morgan Chase & Co. constituted recklessly unsafe practices, which resulted in misconduct and losses. An article on www. wallstreetonparade. com stated, â€Å"The Bank (Chase) failed to ensure that significant information related to the credit derivatives trading strategy and deficiencies identified in risk management systems and controls was provided in a timely and appropriate manner to OCC examiners. †(Marten). The article also stated that â€Å"The SEC focused on JPMorgan’s ineffective internal controls and failure to keep the Audit Committee of its Board informed in timely manner as required under its own rules and under the Sarbanes- Oxley Act. † (Marten). In other words, JPMorgan broke the rule of the code of conduct which stated that â€Å"No one at J. P. Morgan Chase & Co. should ever sacrifice integrity or give the impression that they have even if they think it would help the firm. † (www. jpmorganchase. com). The SEC found that J. P. Morgan Chase & Co. Chase violated securities laws by filing false information to the SEC. According to the SEC, the company failed to maintain internal control over financial reporting, disclosure controls and procedures, filing of inaccurate reports with the Commission. The SEC, in its settlement document stated that J. P. Morgan Chase & Co. violated Sections 13(a), 13(b) (2) (B) of the Exchange Act and Rules 13a-11, 13a-13, and 13a-15. The JPMorgan Chase code of conduct represents fundamental assets that can be done on behalf of the company. In other words, there are policies that are applied to the Chief Executive Officer, President, Chief Financial Officer, and Chief Accounting Officer of JPMorgan Chase & Co. The purpose of the code of conduct is to endure commitment to integrity. The Code of Conduct is important for JPMorgan Chase & Co. because it lays out the responsibility and expectations that the company has to represent to customers. The company is also responsible for ethical decision-making, which means that doing the right thing whereas speaking up about any violation of the company. According to the Code of Conduct, â€Å"No business unit or location in the Company can adopt policies that are less restrictive than the Code, but some do have rules that are more restrictive. † (www. jpmorganchase. com). The Code means that the business should know and follow all policies even if the rules are hardcore. The Code of Conduct has a decision tree on the company’s website where you would ask yourself a question like, â€Å"Is it legal? † or â€Å"Does it comply with our Code and our Company policies, and the principles of ethical behavior they reflect? † These questions are important when it comes to making decisions. If neither of the questions comply with your decisions, then it could result in some serious consequences. Sharing concerns and reporting violations is very important when it comes to a company’s reputation. According to the Code of Conduct, you should share your concerns without fear, report legal or regulatory preceding that involve you personally. Breaking any security law or banking laws and result in consequences. It is important to speak up about any violations that could result in unethical conduct related to financial services. Maintaining accurate records is also an important task when it comes to a company. According to the company website, â€Å"Internal accounting controls and record keeping policies are essential to the successful operation of our Company and our ability to meet our legal and business requirements. Each of us is responsible for being accurate, complete and honest in Company records and for complying with all of the controls, policies and procedures we have in place. † (www. jpmorganchase. com). False records are unethical and could tarnish the company’s reputation. JPMorgan Chase & Co. ’s major direct holders are James Crown, James Dimon, Douglas Braunstein, Daniel Pinto, and Frank Bisignano. These shareholders own stock in the company. These main holders have the main shares in this company. According to JPMorgan Chase & Co. , outside activities is important because doing outside activities could cause conflict not only for the company but for shareholders as well. By selling stock the company gets money almost no catch. There is no interest to pay and no requirement to pay the money back at all. Even better, equity financing distributes the risk of doing business among a large pool of investors. If the company fails, the founders don’t lose all of their money, they lose several thousand smaller chunks of other people’s money. The money the company makes of its investors is used to pay for its fines and fees. This is why there is much anticipation with the negotiation of the settlement regarding the selling of mortgage-backed securities. This chart from yahoo’s finance reports shows that in October, during the negotiation of the settlement, stock dropped: Settlement & Resolution J. P. Morgan & Chase Co. is under investigation for these unethical practices and risk losing a large sum of money as settlement, as well as criminal charges being placed upon them for their dishonorable actions. There are many legal steps that are being taken to resolve the issue at hand. Some of these steps include hiring an independent monitor or other third party firm to oversee these measures along with ensuring that J. P. Morgan Chase & Co. follows the appropriate guidelines set forth legally and prevent them from practicing any further unethical actions. The person or firm hired must examine each and every home loan before J. P. Morgan Chase will be able to be packed into any type of investments. In order for JP Morgan Chase to continue with home loans and recover from there scandalous acts, they must meet the obligation presented to them and hire an overseer, whether an individual or firm, and have the issues resolved by the end of 2017. Steps that J. P. Morgan Chase & Co. can take to improve its disgraceful situation are: to make some kind of assistance available to the individuals that were hit hard and greatly affected by these poor business practices inflicted by the company. This can be obtained by offering the individuals who invested in some type of loan through J. P. Morgan Chase & Co. an opportunity to refinance their current loan, the donation of bank- owned properties, and new mortgage loans to low and moderate income families (O’Toole). This will hopefully help the individuals that now owe more on their houses then they are worth, and are thus upside down on their loans due to the unethical practices of JP Morgan Chase. If this proves beneficiary to the individuals who took out the loans, JP Morgan may just be able to recover their reputation, if not they will have to live with the disreputable name they have now created. JP Morgan Chase can also buy back all of the mortgages that they put these poor individuals into in the first place in hopes that the individuals may climb out of the dark hole of debt that they were lured into by the scandalous actions of the Chase employers. JP Morgan Chase must help the individuals out of their debt inflicted by the bank if there is to be any hope at recovering their reputation and solving the discriminating issues at hand. This can only be obtained by them offering their support and assistance to find as well as ensure them a better financial loan option. JP Morgan Chase must make right on their word for any betterment to be observed. They can and should take the blame for their wrongful actions by stating that they know they were wrong and immoral in their actions and present the individuals with an apology as well as an ethical solution to fix and make good the issues at hand. JP Morgan must make it right for the individuals who entrusted in them to give them ethical and proper loan assistance in the first place. They need to bail the individuals out of the debt they mischievously placed them in. JP Morgan Chase banks can better themselves in the long run by can buying back all the mortgages that they sold to individuals in the first place. Mortgage loans that they knowingly sold without compliance to the mortgage standards set forth. They can also provide help to their employees who may be under investigation as well by taking full responsibility for the unethical situation and not placing the immoral conduct of the bank on the employees and forcing them to get into trouble. They need to back their employees because some who knew it was wrong didn’t want any part of the unethical situation, but JP Morgan Chase required the employee to perform the immoral practices anyways with the threat that they would lose their jobs if they didn’t abide. The company says it â€Å"is fully reserved for this settlement,† implying it has cash and other savings on hand to meet the requirements. JPMorgan will finish providing relief to borrowers by the end of 2017, the company says (Arnold). The following is a quote from Jamie Dimon: â€Å"We are pleased to have concluded this extensive agreement †¦ and to have resolved the civil claims of the Department of Justice and others. † â€Å"Nonetheless, New York Attorney General Eric Schneiderman, California Attorney General Kamala Harris, Sacramento U. S. Attorney Benjamin Wagner and other officials involved in investigating JPMorgan’s mortgage actions called the settlement a significant government victory† (McCoy). This settlement will resolve a large amount of state and federal investigates into JPMorgan Chase’s selling of mortgage backed securities between 2005 and 2008. Concluding results An article on http://www. scpr. org explains how the settlement money will be distributed, â€Å"Q: How much money will end up in the hands of homeowners? A: The state attorney general’s office said $4 billion of the $13 billion settlement will go toward helping consumers nationwide. That could come in the form of mortgage payment reductions or loan modifications for homeowners, the office said in a press release. The office said they had no estimate on how much of the $4 billion borrower’s relief would go to California homeowners, but they believe the state will receive a â€Å"good amount of relief. † JPMorgan declined to comment on the percentage that will be directed to Californians. Separate from the borrower’s relief, California did receive nearly $300 million in damages out of the $13 billion settlement that will go to public employee and teacher pension funds, CalPERS and CalSTRS. Q: What will determine which homeowners get money from the $4 billion portion of the settlement? A: The state attorney general’s office said Californians who may qualify for the relief would likely have gotten mortgages with Washington Mutual and Bear Stearns, which are now part of JPMorgan. Stuart Gabriel, director of the Ziman Center for Real Estate at UCLA, said he thinks state agencies may reach out to individuals who are in danger of foreclosure and offer some mortgage modification, such as interest rate relief. Q: When will homeowners receive this money? A: It’s unclear how soon Californians could qualify to receive a portion of the borrower’s relief. The state attorney general’s office said the agency that will handle those decisions hasn’t been determined yet. Q: Will the settlement have an effect on the housing market? A: Gabriel said he doesn’t think there will be any perceptible effect on the direction of the housing market as a result of the settlement. He said what’s notable is that JPMorgan had to pay a large fine. The $13 billion JPMorgan settlement is roughly three times more than what BP paid to settle criminal charges related to the Deepwater Horizon oil spill, according to Gabriel. â€Å"It’s a big deal for JPMorgan and it’s a big win for the U. S. government,† Gabriel said. â€Å"It’s a win for the point of view that there were fraudulent practices in the packaging of mortgages into mortgage-backed securities on the part of major investment houses. † Gabriel said he doesn’t think this is the end of such settlements and the government is â€Å"in all likelihood working its way around Wall Street now with the precedent of a very big settlement in its back pocket. † Q: Is the foreclosure crisis over? A: Reports show the number of foreclosures has steadily declined. But Peter Kuhns of the Alliance of Californians for Community Empowerment said it’s still a major problem. â€Å"It’s massive. † Kuhns said. â€Å"There are estimates that somewhere close to a third of all California homeowners with mortgages are underwater on their loans, that they owe more money than their house is worth. † Kuhns said he hopes that the $4 billion borrower’s relief will go toward helping homeowners reduce the amount of money they owe on their mortgage payments. † (lee) This shows progress but it will not be enough to keep the company’s consumer’s happy. J. P. Morgan Chase & Co. must maintain an ethical and professional work pace. It will take time but doing things correctly, the company’s reputation can be salvaged. Shareholder’s don’t seem to be losing trust since the agreement on the settlement. Shares are at a healthy fifty-seven. The Board of Directors must put these changes into action as soon as possible. They must start the process towards recovery at once.

Discuss What Government Policies Can Be Used to Overcome a...

Discuss what government policies can be used to overcome a recession A recession is two or more consecutive quarters of a year that experiences a decline in GDP or has negative GDP growth; recessions are believed to be caused by a widespread fall in spending. Employment, investment, household incomes and business profits all fall during recessions; while bankruptcies and the unemployment rate rise. Governmennts respond to recessions by adopting expansionary economic policeys such as the expansionary fiscal policey or loose monetary policey. The exapansionary fiscal policey involves the government attempting to increase aggregate demand, the two main instruments the government use to achieve this is government spending and taxation.†¦show more content†¦Also the policy could cause crowding out because if the increase in government spending is raised from taxes then it would lead to a reduction in private spending and if the increase is financed by borrowing then it could lead to a rise in interest rates which would lead to a decrease in private investment. There will also be a time lag involved as the government will have to wait for the multiplier effect to kick in and so in the short term this policy may prove ineffective however in the long term its effectiveness will show. Another policy the government can use is the expansionary monetary policy, the expansionary monetary policy aim to shift aggregate demand to the right by lowering the interest rates, the lowering of the interest rates lowers the cost of borrowing for example using credit cards and decreases consumers marginal propensity to save which therefore encourages consumption. These lower interest rates also encourage firms to borrow and invest therefore further increasing aggregate demand in the economy. These lower interest rates will therefore increase aggregate demand shown in the graph below. This increase in aggregate demand will therefore increase GDP as shown in the graph above. However the amount the government can decrease the interest rates by will depend at what level they are at already, for example theShow MoreRelatedThe Great Recession Of 20081691 Words   |  7 PagesProfessor Demiray Economics 200 October 18, 2015 Great Recession of 2008 The Great Recession in 2008 led to a huge crisis in the United States economy. This recession almost led to the entire collapse of the United States economy due to the constant unstable changes in legislation, regulation, along with the changes in fiscal and monetary policies. Furthermore, many economists believe that the increase of excess monetary and government irresponsibility led to the overall crisis in the mid to lateRead MoreEconomic Policies And Economic Policy1096 Words   |  5 Pagesevery country there s a government and economy. Each counties government helps or tries to help recover, stabilize, and grow the economy. First thing we need to look at is economic policy. 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