Social Benefits of Diversifying Residential Units

Social Benefits of Diversifying Residential Units POTENTIAL SOCIAL BENEFITS OF DIVERSIFYING RESIDENTIAL UNITS DESIGN AS SMART GROWTH CITY PRINCIPLE IN URBAN AFFORDABLE HOUSING. Tan Wan Joo1, Lam Tuck Lone2 and Meor Mohammad Fared3 Ace in Architecture1,2, Assoc. Professor3 Staff of Design and Architecture, Universiti Putra Malaysia, Selangor. Conceptual In the ongoing years, urban reasonable lodging has been encountering huge skyscraper private development. It is estimated that the change that throughout the following 20 years the segment profile of the municipalitys set up rural areas, bringing about the requirement for a more noteworthy scope of lodging types. With the gauge, Malaysia and Singapore lodging advancement is differentiating the unit designs to provide food for changing social needs which situation still can't seem to be considered. The primary reason for this investigation is to decide the potential social advantages of expanding skyscraper private units in the urban moderate lodging with regards to Kuala Lumpur and Singapore. Furthermore, it distinguishes the different proper skyscraper private units configuration to meet the communitys existing and future needs of lodging. By utilizing different contextual investigations technique, the unit configuration will be examined dependent on the its size, its gave rooms, it s all out units and its gave essential offices and enhancements just as how it profited the general public. Thus, this examination fundamentally shows the conspicuous of the differentiating private units configuration as keen development city rule in the urban setting of Kuala Lumpur and Singapore. Watchwords: expanding private units configuration, brilliant city standard, social advantages, urban moderate lodging. RESEARCH QUESTION What are the potential social advantages of the expanding skyscraper private units plan towards the general public? Presentation In todays urban turn of events, high thickness and reduced improvement has been essentially talked about to help the development in populace in the urban setting. Skyscraper private turns of events, which is likewise called as vertical living, are firmly advanced in pretty much every legislative moderate lodging arranging approach to be set in setting of downtown area. The present market requests a feeling of energy and network in the blended advancement that they live in (Bell, 2004). Practically 68% of all Malaysian, which is around 18 a large number of Malaysian, have decided to live in the towns and urban areas as it shows a generally high creating of urbanization in the creating nation (Wan Nor Azriyati WAN ABD AZIZ, 2014). As the populace development in the urban setting, the requirements for progressively private lodging in the vertical structure are urgently getting higher so as to help the adjustment in the diverse life stages and the lodging needs. In like manner, in Singap ore, the necessities of vertical type of private lodging has been quickly expanded along the development in the populace and the difference in various life stages. Subsequently, Malaysia government has drafted ACT 739 under the Law of Malaysia to set up a collection of association called PR1MA, Perumahan Rakyat 1 Malaysia, to design, create, develop and keep up the high caliber of reasonable lodging. Then again, Singapore government has set up an open lodging authority, which is called Housing Development Board (HDB), to design and build up the lodging bequests just as to change the town into increasingly agreeable and living condition. There are different undertakings are being created and built in the ongoing years, particularly in rural territory and urban setting. Both of the built up associations have executed the shrewd development city standards. The fast speed of development of the continuous urbanization in both Malaysia and Singapore has made the chances to actualize the shrewd development city standards in the greater part of the advancement to keep away from the exceptionally wasteful never-ending suburbia in the urban setting. Be that as it may, one of methodologies of keen development standards expressed that a scope of lodging openings and decisions ought to be made and executed in the improvement to help the diverse life phases of network. In this way, decent variety of lodging decisions in the chose ventures has offered more prominent chances to make an increasingly lively kinds of network, in the interim, it likewise underpins different scope of earnings in one turn of events. Goals This investigation plans to dissect the potential advantages of differentiating skyscraper private unit structure in urban moderate lodging to the general public. Writing REVIEW What is Smart Growth? Brilliant development is characterized as an advancement that underpins monetary development, solid networks and ecological wellbeing. Shrewd development improvement expected to make high caliber of that causes the networks to accomplish financially serious, to make business openings and reinforces the nearby assessment base. So as to make and keep up incredible neighborhoods, the Smart Growth Network built up a lot of 10 fundamental standards to manage savvy development systems. (Anon., 2015) Ten Principles of Smart Growth 1. Blend land uses2. Exploit minimized design3. Make a scope of lodging openings and choices4. Make walkable neighborhoods5. Encourage unmistakable, alluring networks with a solid feeling of place6. Save open space, farmland, characteristic magnificence and basic natural areas7. Reinforce and direct improvement towards existing communities8. Give an assortment of transportation choices9. Settle on advancement choices unsurprising, reasonable and financially savvy 10. Support people group and partner coordinated effort being developed choices. By actualizing the third guideline of Smart Growth, the advancement must give a scope of lodging openings and decisions to meet the communitys existing and future needs. The arrangement of value lodging for groups of all life stages and pay levels is a basic piece of the keen development draws near. There are different reasons that urban communities should offer a various scope of lodging decisions for neighborhood occupants. By incorporating the arranging structures for single and multi-family in new private turn of events, the improvement itself can bolster an increasingly various populace. It likewise permits progressively evenhanded dispersion of family units of all salary levels. Moreover, it is prompting make a more appeal for network administrations and offices, for example, shopping centers, schools, medicinal services, office and amusement offices. Broadening lodging in vertical structure has likewise given more open doors in the advancement that permits the occupants to have options in a little real estate parcel. In any case, when the advancement centers into one kind of lodging, it makes various potential issues. The improvement will figure out how to pull in one kind of inhabitant, which doesn't accomplish the objective of different populace in term old enough, pay level, families and singles. Consequently, this methodology doesn't figure out how to make a manageable network for the explanation being that no single kind of lodging can serve the different interest of various family in todays advertise. Moreover, if the kinds of network are being isolated and bunch by the parts of salary levels, local people with low pay will be compelled to suit in the suburb territory and, subsequently, the social issues will be expanded when the network are being isolated. What is Urban Affordable Housing? The idea of urban reasonable lodging can be characterized as the portion for rental or portion must not surpass 30% of the all out family pay in the urban setting (B Bakhtyar, 2012). By that implies, the unit of lodging must be moderate if the occupants family spend inside 30% of its pay on the lodging costs, including the utilities, for them to live in the urban setting where the development of monetary is quickly expanding. What is PR1MA? PR1MA was set up as a legislature claimed organization under PR1MA Act 2012 and under the management of Ministry of Housing and Local Government. It is built up to help the expected segment of center pay gathering to deal with the average cost for basic items with regards to urban regions. The private houses are given in the reasonable network and be estimated inside the scope of RM 100,000 to RM 400,000. Be that as it may, a large portion of skyscraper private advancement will be arranged and further created with regards to urban regions. Thus, this examination will center into the sorts of unit designs of vertical living dependent on the accompanying activities as the contextual analyses. Contextual investigations of HDB in Kuala Lumpur, Malaysia 1. PR1MA @ Jalan Jubilee, Kuala Lumpur This advancement is one of the skyscraper moderate private lodging venture situated in the downtown area and open through Jalan Loke Yew and Jalan Jubilee. This venture offered three essential kinds of unit format in the aggregate of 543 units in 2.5 sections of land of land, which is appeared in Figure 1 underneath. This improvement has included luxuries for network, for example, surau, network corridor, kindergarten, shops, nursery and play area, to facilitate the network to stroll inside their compound for the fundamental offices. The arrangement of three fundamental sorts of units, which contain 3 rooms with 2 washrooms for unit type An and C just as 2 rooms with 2 restrooms for unit type B, has given the chances to the little family to set up their family in the urban setting. Be that as it may, the dynamic quality of network barely to be accomplished because of the advancement centers into normalize the unit designs into three fundamental sorts. Figure 1: Unit Layouts are indicated as needs be for Type A (3 Bedrooms 2 Bathrooms), Type B (2 Bedrooms 2 Bathrooms) and Type C (3 Bedrooms 2 Bathrooms). Source: http://www.pr1ma.my 2. PR1MA @ Brickfields, Kuala Lumpur With regards to downtown area in Kuala Lumpur, this advancement is being created in the zone with very much created frameworks in the encompassing site as it is open through 4 passageways, for example, New Pantai Expressway (NPE), Jalan Tun Sambanthan, Jalan Bangsar and Jalan Sye

Weight Management Essay examples -- essays research papers

Weight the board has been thought of as just weight reduction by many. Weight the executives covers all parts of achieving and keeping up ideal load for a solid way of life. Wellbeing experts presently understand that counteraction of weight put on just as weight reduction and improving wellbeing status are significant objectives. These objectives must be individualized for progress. At the beginning of treatment, the patient and social insurance supplier ought to examine and concur upon objectives. The objectives must consider the nourishment propensities, practice practices, mental viewpoint and emotionally supportive networks of the person. Practical desires, short-and long haul, might be advanced by a conversation of a solid weight versus a perfect body weight. Highlights of weight the board mediations may incorporate conduct alteration, dietary standards, vitality balance parts, and a sound nourishment plan. So as to make a conduct adjustment plan that will be fruitful for the individual, recognizing signs, reactions and outcomes of eating practices is essential. Control of eating conduct, physical movement, passionate, social, and mental wellbeing must all be examined and intercessions applied. Practices identified with issues with admission and consumption of vitality must be explicitly characterized. Recording and examining eating and exercise practices to create methodologies planned for learning new practices are fundamental. Dietetic practice in weight the board is perplexing and testing. Evaluation of weight and wellbeing should control weight the board objectives and results. The weight and counting calories history ought to incorporate time of beginning of weight issues, number and sorts of diets, practice history, potential triggers to weight additions and misfortunes, and a suitable scope of weight change. The Body Mass Index (BMI) is viewed as the standard estimation for weight status. The BMI is evaluated by weight (kg) isolated by tallness (m2). A BMI of 25 †29 is viewed as overweight and some weight reduction is suggested. There is banter encompassing how much weight reduction ought to be accomplished. In considering a weight the executives plan, it is important to join every one of the accompanying: †¢Ã¢ â â â â realistic objectives (weight reduction normal of  ½ to 1 pound for every week); †¢Ã¢ â â â â energy admission limits identified with the vitality yield of the individual (the Basal Metabolic Rate (BMR) + action level shoul... ...he weight pestilence. Science. 1998;280:1371-1374. 2. Willett WC, Dietz WH, Colditz GA. Essential Care: Guidelines for solid weight. New England Journal of Medicine. 1999;341:427-434. 3. National Task Force on the Prevention and Treatment of Obesity, National Institutes of Health. Low-calorie consumes less calories. Diary of the American Medical Association. 1993;270:967-974. 4. Stein K. High-protein, low starch eats less carbs: Do they work? Diary of the American Dietetic Association. 2000,100:760-761. 5. Jeffery RW, Drewnowski An, Epstein LH, Stunkard AJ, Wilson GT, Wing RR, Hill DR. Long haul upkeep of weight reduction: current status. Wellbeing Psychology. 2000;1(Suppl):5-16. 6. Byfield C. A way of life physical action mediation for fat stationary ladies: Effect on cardiovascular malady chance variables. American College of Sports Med: Indianapolis IN; 2000. 7. Rosen JC. Improving self-perception in stoutness. In: Thompson, JK, ed. Self-perception, Eating Disorders and Obesity. Washington, DC: American Psychological Association; 1996: 425-550. 8. Nix S. Essential Nutrition and Diet Therapy, twelfth version. 2005: 268-287. 9. Martini F. Basics of Anatomy and Physiology, sixth version. 2004: 928-964.

The Case For Test Optional College Admissions

The Case For Test Optional College Admissions by: Greg Yang on April 30, 2018 | 0 Comments Comments 511 Views April 30, 2018Flickr photoColleges that don’t require the SAT or ACT for admission enroll a higher proportion of low-income, first-generation students, and students from more diverse backgrounds, a new study says. Produced by the National Association for College Admission Counseling (NACAC), the study found that roughly two-thirds of colleges using â€Å"Test Optional Policies† saw an increase in enrollment of students â€Å"underrepresented in college populations,† or underrepresented U.S. minorities (URM).â€Å"The number of colleges using Test Optional Policies (TOPs) in higher education admissions has dramatically expanded in recent years,† the study reads. â€Å"And these colleges have avoided ‘one-size-fits-all,’ finding varied ways to administer TOPs and experiencing varied outcomes. Much of the momentum around Test-Option al admission is focused on whether the use of standardized tests (specifically SAT and ACT) unnecessarily truncates the admission of otherwise well-qualified students.†NEARLY ONE MILLION APPLICANT RECORDS INCLUDEDThe NACAC collected student-record level data from 28 institutions including long-time users of TOP and institutions that have recently adopted the policies. These schools’ undergraduate enrollments ranged from 1,500 to 20,000 students and 15% to 90% in admission rates. In total, the study represents a dataset of 955,774 individual applicant records. The study specifically focused on underrepresented college populations in America’s universities.â€Å"A TOP was described by many of the admission deans of the participating institutions as a tool they employed in the hope of increasing applications from a more diverse range of students, so this report focuses great attention on traditionally under-represented populations in American higher education,† the study reads. â€Å"To do so, we used our record-level data to identify the intersectionality of these underserved populations: First-Generation College Bound, students from lower SES backgrounds (Pell recipients as proxy), and students from racial and ethnic groups that have traditionally been underrepresented in college populations (URM).†HIGH SCHOOL GPA IS A STRONGER PREDICTOR OF COLLEGE SUCCESS  One of the most striking findings of the study was that high school GPA had a stronger correlation with college success for non-submitters (students in the study who did not submit standardized test scores with their college application) than standardized tests, like the SAT and ACT.While non-submitters had â€Å"modestly lower† high school GPAs than submitters, they ultimately graduated at rates equivalent to, or higher than, submitters.â€Å"While test scores had a generally stronger relationship with college GPAs for the Submitters, for the Non-Submitters they t ended to show a weaker relationship, essentially underpredicting the college GPA,† the study reads. â€Å"The test scores continued to most strongly correlate with family income.†THE GROWING TEST-OPTIONAL MOVEMENTOver 1,000 undergraduate institutions now officially deemphasize standardized tests in admission, according to The National Center for Fair and Open Testing. Among those 1,000, over 100 additional nonprofit universities have deemphasized standardized tests in admissions in the past four years. These schools aren’t low-ranking universities either. Participating TOP adopters include schools like Bowdoin, George Washington University, and Wesleyan University.Wesleyan University announced it would go test optional in Spring 2014. Lauren Rubenstein, the universitys manager of media public relations tells PQ that the experience has been positive in increasing the number of first-generation students applying.â€Å"Research has shown that these tests can unfai rly advantage some applicants, including those who can afford test prep services,† she says. â€Å"Wesleyan is committed to recruiting and enrolling students from under-served communities, students of color, and first-generation college students. Making tests optional in admissions is an important way to increase access for these students.†Bowdoin College went test optional in 1969, becoming the first college to adopt test optional policies in admission. When the school implemented the policy, it had about 1,800 applications. Now, with TOP, it receives 9,000 applications from about 4,300 high schools around the world.â€Å"I believe Bowdoin changed the admission process by choosing to implement a test optional policy when no other college was doing so,† Whitney Soule, dean of admissions and financial aid at Bowdoin, tells PQ. â€Å"It was a bold move into uncharted territory for admission review and many schools have chosen to follow that same path.†TOP ha s opened up higher education opportunities primarily to women, students of color, those with financial need, and those who are first generation to college, Soule says.â€Å"The policy signals to students that we are interested in the whole student and that we are prepared to consider and assess academic preparation beyond the use of standardized tests,† she says. â€Å"As our applicant pool has grown and become more diverse over time, we have continued to honor the test-optional policy as a foundation of our commitment to holistic review.†DONT MISS: AVERAGE SAT SCORES AT THE TOP BUSINESS SCHOOLS or HOW TO WRITE THE NEW SAT ESSAY Page 1 of 11

Mizzou Acceptance Rate, SAT/ACT Scores, GPA

The University of Missouri is a public research university with an acceptance rate of 78%. Located in Columbia, Missouri, Mizzou is the flagship campus of the Missouri university system and is the largest university in the state. MU has many graduate programs and research centers which, combined with its commitment to graduate and undergraduate education, has earned the school membership in the Association of American Universities. The universitys strength in the liberal arts and sciences have earned the school a chapter of Phi Beta Kappa. Social life at the university owes much to the 55 Greek organizations on campus. In athletics, the Missouri Tigers compete in the NCAA Division I  Southeastern Conference (SEC). Considering applying to the University of Missouri? Here are the admissions statistics you should know, including SAT/ACT scores and GPAs of admitted students. Acceptance Rate During the 2017-18 admissions cycle, the University of Missouri had an acceptance rate of 78%. This means that for every 100 students who applied, 78 were admitted, making Mizzous admissions process somewhat competitive. Admissions Statistics (2017-18) Number of Applicants 18,948 Percent Admitted 78% Percent Admitted Who Enrolled (Yield) 32% SAT Scores and Requirements The University of Missouri requires that all applicants submit either SAT or ACT scores. During the 2017-18 admissions cycle, 10% of admitted students submitted SAT scores. SAT Range (Admitted Students) Section 25th Percentile 75th Percentile ERW 560 640 Math 530 650 ERW=Evidence-Based Reading and Writing This admissions data tells us that most of Mizzous admitted students fall within the top 35% nationally on the SAT. For the evidence-based reading and writing section, 50% of students admitted to the University of Missouri scored between 560 and 640, while 25% scored below 560 and 25% scored above 640. On the math section, 50% of admitted students scored between 530 and 650, while 25% scored below 530 and 25% scored above 650. Applicants with a composite SAT score of 1290 or higher will have particularly competitive chances at Mizzou. Requirements Mizzou does not require the SAT writing section or SAT Subject tests. Note that University of Missouri does not superscore SAT results; your highest total SAT score will be considered. ACT Scores and Requirements Mizzou requires that all applicants submit either SAT or ACT scores. During the 2017-18 admissions cycle, 90% of admitted students submitted ACT scores. ACT Range (Admitted Students) Section 25th Percentile 75th Percentile English 23 31 Math 22 27 Composite 23 29 This admissions data tells us that most of Mizzous admitted students fall within the top 31% nationally on the ACT. The middle 50% of students admitted to the University of Missouri received a composite ACT score between 23 and 29, while 25% scored above 29 and 25% scored below 23. Requirements Note that Mizzou does not superscore ACT results; your highest composite ACT score will be considered. The University of Missouri does not require the ACT writing section. GPA The University of Missouri does not provide data about admitted students high school GPAs. However, admissions data indicates that in 2018 thirty percent of admitted students ranked in the top ten percent of their high school class. Self-Reported GPA/SAT/ACT Graph University of Missouri Applicants Self-Reported GPA/SAT/ACT Graph. Data courtesy of Cappex. The admissions data in the graph is self-reported by applicants to the University of Missouri. GPAs are unweighted. Find out how you compare to accepted students, see the real-time graph, and calculate your chances of getting in  with a free Cappex account. Admissions Chances The University of Missouri, which accepts over three-quarters of applicants, has a somewhat selective admissions process. Successful applicants tend to have standardized test scores and high school grades that are either average or above average. Admissions are not holistic, however, the university does look at the rigor of your high school courses, and youll need to show that you have taken the minimum number of college preparatory classes. Also, admission to specific schools at MU may be more competitive than others. Finally, Mizzou is a large Division I athletic school, so special athletic talent can play a role in the admissions process. In the scattergram above, the blue and green dots represent accepted students. You can see that the majority of successful applicants had high school grades in the A and B range, combined SAT scores of 1000 or higher (ERWM), and ACT composite scores of 20 or better. Slightly higher scores increase your chances of receiving an acceptance letter considerably. If You Like MU, You May Also Like These Schools Ohio State UniversityPurdue UniversityWashington University in St LouisIndiana University All admissions data has been sourced from the National Center for Education Statistics and University of Missouri Undergraduate Admissions Office.

Drinking Alcohol Is Socially Acceptable - 963 Words

Drinking alcohol is socially acceptable almost everywhere you go, although many people fail to see the substantial effects or choose to ignore them completely. Alcohol is commonly known to create feelings of euphoria or is often used as a substance to cure feelings of depression, stress, and anxiety. For whatever reasons one might have to consume alcohol, the side effects need to become of realization to consumers. An understanding of feasible outcomes need to be informed to those who might not realize the harm that this drug could cause. Overall, there are more cons than pros when considering consuming alcohol. Perhaps, the following reasons are enough to make the common drinker to think twice. Alcohol abuse, or making the misuse of alcohol a habit, can interfere with how the human brain works. Consuming large amounts in a small period of time can lead to alcohol poisoning, which can result in death. Metaphorically, alcohol can make someone feel ten feet tall and as if anything is possible when in reality it can lead to harmful decisions. It blocks out the thought of when enough is enough. There is a reason they have a law limiting anyone under 21 to drink in the United States. I am not against drinking in any way, but it is something that needs to be done responsibly which is a hard argument for anyone who is drinking. Having a beer or two with friends and reminiscing on the past is much different from throwing a party on a daily basis. Perhaps, you’ve read an articleShow MoreRelatedAlcohol Consumption Among Youth Is Not A New Issue Essay1085 Words   |  5 PagesIntroduction Alcohol consumption amongst youth is not a new issue – New Zealand has a long standing history of alcohol consumption both good and bad. In New Zealand, as is also around the world, the consumption of alcohol has baggage both good and bad. 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Financial Management

Question: 1 Management of a Company could use sensitivity and Scenario in theair corporate decision Makings. A.Sensitivity Analysis B.Sccenario Anaslysis 2.Explain and identify similarities and differences between the following two models. A.Capital Asset Pricing Model. B.Capital market LIne . Answer : 1.Sensitivity Analysis A sensitivity analysis may be explained as an approach which helps to determine how the values of an independent variable affect another dependent variable in situations with a different set of assumptions. The scope of use of these techniques is limited, for example, the effect of a change in interest rates on the bond prices. This analysis more commonly referred to as what-if analysis or also simulation analysis (Arnold, 2010). It helps to analyze how a decision can affect a certain range of variables. Also, using the same set of variables the analyst can determine the effect of a change in one variable on the other. Example on Sensitivity Analysis Let us assume Mr. X to be a sales manager who wants to understand the effect of more customers on sales. Based on the study he understands that sales are a function of transaction volume and price of the goods. The price of a good being $1000 per piece, X sold a total of 100 pieces last year, earning a total revenue of $100000. X studies the behavior of a number of customers sales and finds out that 10 percent increase in customer base would increase the sale by 5%. This data helps him to builds a financial equation and sensitivity analysis which are dependent on what-if situations. Now, based on sales of the current year and estimates of what might be the increase in customer base, X can find out the sensitivity analysis of the given situation (Brigham Ehrhardt, 2011). Therefore, in the given case we see that sales are highly sensitive to any changes in customer base. Sensitivity analysis and Capital Budgeting Sensitivity analysis helps a person understand the effect on the project or a particular variable if the estimates turn out to be true or false. This analysis helps to measure the effect or impact of the change in the estimates on the finances or the variable. This helps the project managers or financiers understand the reasons for a particular event not generating expected results, which will help them further, analyze the decision of making an investment (Vaitilingam, 2010). In capital budgeting, sensitivity analysis finds out the changes in one assumption or an estimate on an entire project. Lets just take an example, a business is expected to generate $ 500 in year one, two and three, so the investor invests $ 1500 in the beginning of the year 1. But the change in estimates after year one show that the business would generate $ 1000 in year two and three. This would break even the investments in year two itself (Guerard, 2013). Therefore, sensitivity analysis helps understand the effect in a better way. Scenario Analysis Scenario analysis is a tool which helps analyze the uncertainty today by taking into account alternative possible outcomes. It should not be considered as a predictive mechanism it is just an analytical tool. There is an analyst who uses mainly three different scenarios for possible outcomes, the base case, best case and the worst case. The base case is the one with most the highest probability (Brigham Ehrhardt, 2011). The best case is the one where it is assumed all things go right, and the worst case is the one with all the assumptions failing. So, the analyst will now take steps to cover the present risks which may lead to worst case scenarios. It does not provide exact situations, just the mere idea of a scenario. Example on Scenario Analysis For example, a project analyst may use scenario analysis in order to determine the net present value of a project under high, moderate and low inflation scenarios. Let us take another example to make scenario analysis clearer. A financial institution may forecast the possible scenarios of the economy, and further, it may try to analyze the scenario financial markets in that various forecast of the economy. The institution may also take into consideration, further scenarios. The result of all these scenarios will help the institution allocate its resources in the most efficient manner (Brigham Ehrhardt, 2011). Scenario Analysis and Capital Budgeting We are often unsure about the variables and assumptions we make in capital budgeting, in order to remove this uncertainty in decision making we extend the sensitivity analysis to scenario analysis. The decision of what assumption to change and how much to change totally depends on the situation. One method of scenario analysis in capital budgeting are using the ends in extreme scenarios (Damodaran, 2012). As discussed earlier the best and the worst case scenarios are compared with the base case in order to take preventive steps or steps which will lead to positive results. In case the actual results of a project are highly adverse, then taking this type of scenario analysis will help the investors take steps in order to avoid the situations which will lead to these adverse situations. Sensitivity vs. Scenario Analysis Both techniques of analysis, sensitivity and scenario can be useful while determining the best possible investment plan. But they both are not the same. A scenario analysis may involve the use of sensitivity analysis but it is not necessary that sensitivity analysis will use the scenario analysis. The sensitivity analysis will help the investor understand various uncertainties involved with the proposed investment project. Whereas the scenario analysis will help analyze various uncertainties and the way they would affect the investment or the outcome of a project. In a sensitivity analysis, the various assumptions are tested whereas in scenario analysis various outcomes are tested. Though both the techniques are very different altogether, they go hand in hand in many circumstances. Use of both the techniques is very relevant in capital budgeting decision making. Therefore to conclude we can say that both the sensitivity and scenario analysis are important tools in making decisions in capital budgeting (Kandel Stambaugh, 1995). 2.Capital Asset pricing model The capital asset pricing model is a model that helps in knowing about the investments fair value. When the asset return rate is calculated, the rate is used in discounting the cash flow of the future of an investment that pertains to the present value, hence moving to the fair value of the investment. The main role of CAPM pertains to two main factors that are providing a return rate that functions as a reference for evaluation of the investment and then enabling in projecting the expected return that needs to be traded. Hence, we can differentiate the investments fair value with the market value and undertake decisions accordingly. This model projects the idea that securities are priced in a manner so that the returns that are expected will repay the investors for the expected ones (Choi Meek, 2011). The CAPM model holds the notion that the investors are required to be compensated in two main ways that are the time value and the risk. The time value is denoted by rf that repays th e investors for investing while the risk-free rate is the government bonds such as U.S Treasuries. Using the model of CAPM, the computation of the expected return for a particular stock can be done. Expected return (ef) = Risk free rate + Beta*(Risk premium) Capital Market Line The capital market line is described as a graph that is derived from the capital asset pricing model (CAPM). The CML is utilized to arrive at the return rate from the specific portfolio. The rate of return arriving from CML varies as per the risk-free rate of return and the risk level as determined by beta for a specific portfolio. The CML is ascertained by stretching a line of a tangent from the point on efficient frontier to the point where the risk-free rate and expected return are equal in nature (Bodie et. al, 2014). Further, it needs to be noted that the CML hold true for a portfolio that is efficient in nature and projects the behavior of the investor that pertains to the portfolio of the market and own portfolios. Similarity between CML CAPM The main similarity that can be witnessed in CAPM and CML is that CML is derived from CAPM. CAPM can be established when the CML is included. When it comes to the method of risk adjustment of an asset by using the risk-free rate then the investor can easily influence the profile of risk (Damodaran, 2010). Keeping into consideration the CML, the portfolio of the market is composed of the combined power of the assets that are risky utilizing the assets market value to ascertain the weights. The CML is extracted from the CAPM and is used to compute the rate of return that is expected. The CML is stronger than the efficient frontier and considers the concept of a risk-free asset in the portfolio. The CAPM projects that the portfolio of the market is the efficient frontier (Brigham Daves, 2012). Therefore, CML is a component of the CAPM and is a line used to signify the rate of return for efficient portfolio dwelling on the risk-free rate and the risk level. Therefore, the properties of CAPM are embedded in CML and hence the properties of the CAPM are present in it (Ferris et. al, 2010) Ferris et. al, 2010 Capm vs. Cml The CAPM provides the notion that securities can be priced so that the expected return will support the investors for the risks that are expected. CML can be stated as the major factor and an element for deriving the CAPM. CAPM is a model while CML is one of the forms of CAPM. CAPM can be termed as the best method to ascertain the investors return where the compensation will be done for the systematic risk because diversification cannot be done. However, the return can be expected from the investment as per the risk involved (Kan Zhang, 1999). When it comes to a potential return, it is required to undertake risk that is more systematic. When the stock holding capacity is more, the business cycle comes to the forefront and therefore the return is derived on an average basis (Berk et. al, 2015). The CML consider the addition of asset that is risk-free and due to this it is regarded as a higher than efficient frontier. Every portfolio has a similar Sharpe ratio as compared to the portfolio of the market. In the case of buying or investing, it is important that the Sharpe and CML need to be ascertained of the portfolio (Da et. al, 2012). Therefore, both the models are equally important and it is important to understand that both the models have more similarity in nature and is used to ascertain the risk profile. Going by the entire discussion it can be said that the models are complementary to each other and can be used in conjunction with each other Conclusion An overall analysis of the report provides strong evidence that CAPM and CML plays an important role in determining the expected return. Both are complementary in nature and hence, hold strong similarities. Overall, it can be said that the concepts hold utmost importance. It is clear that if the expected return cannot beat the required rate of return then the investment must be ignored. Further, the above report also shed light on sensitivity and scenario analysis that are a powerful tool when it comes to capital budgeting. If used properly these analysis tools can help the investors determine uncertainties and take steps in order to eliminate them and have the most positive results from these outcomes. References Arnold, G 2010, The Financial Times Guide to Investing, Prentice Hall. Berk, J., DeMarzo, P. Stangeland, D 2015, Corporate Finance, Canadian Toronto: Pearson Canada. Bodie, Z., Kane, A. Marcus, A. J 2014, Investments, McGraw Hill Brigham, E. Daves, P 2012, Intermediate Financial Management , USA: Cengage Brigham, E.F. Ehrhardt, M.C 2011, Financial Management: Theory and Practice, USA: Cengage Learning. Choi, R.D. Meek, G.K 2011, International accounting. Pearson Press . Da, Z., Guo, R.J. Jagannathan, R 2012, CAPM for estimating the cost of equity capital: Interpreting the empirical evidence, Journal of Financial Economics vol. 103, pp. 204220 Damodaran, A 2010, Applied Corporate Finance: A Users Manual, New York: John Wiley Sons Damodaran, A 2012, Investment Valuation, New York: John Wiley Sons. Ferris, S.P., Noronha, G. Unlu, E 2010, The more, merrier: an international analysis of the frequency of dividend payment, Journal of Business Finance and Accounting, vol. 37, no. 1, pp. 14870. Guerard, J. 2013,Introduction to financial forecasting in investment analysis, New York, NY: Springer. Kan, R. Zhang, C 1999, Two-pass tests of asset pricing models with useless factors, Journal of Finance, vol. 54, pp. 203-235. Kandel, S. Stambaugh, R.F 1995, Portfolio inefficiency and the cross-section of expected returns, Journal of Finance, vol. 50, pp. 157-184. Vaitilingam, R 2010, The Financial Times Guide to Using the Financial Pages, London: FT Prentice Hall. Financial Management Question: Write a report on the nooks and corners of financial management and financial engineering. Answer: The entire report has shed light on the nooks and corners of financial management and financial engineering. Main objectives of this report was to explore the pricing strategy of covered warrants as well as to determine the how warrants can be used for the purpose if raising funds. Empirical evidences have also been provided in support of these facts in order to prove the plausibility of these findings. Now to do this systematically, the report has been divided into five chapters namely, introduction, pricing models, empirical study and conclusion. In the first chapter, the topic is briefly introduced along with the key concepts that are necessary to understand the entire study has been elaborately discussed. In the second chapter, the Pricing model has been described. Black Scholes Model is the basic building block of the entire report; therefore, this model has also been described with the background in chapter 2. Further the concept of binomial and trinomial model and their applic ation associated with the usefulness of these models with the study has been described in this chapter. In chapter 3, methodology and the process of data collection have been described. Therefore, chapter 3 focuses on the empirical evidences that are collected and provided in support of the findings obtained in the previous chapter. In the next chapter the concepts of warrants and fund raising have been described along with the role of warrants in raising funds. Finally, in chapter 5, conclusion to the study has been provided alongside plausible recommendations.

Othello Tragedy Essays (311 words) - Othello, English-language Films

Othello Tragedy Shakespeare's trajedy, "Othello" is a play based on passion unchecked. The desire for money, power, and love drive the characters to commit acts that betray any hint of rational thinking. Readers are given a taste of how passionate Othello is in Act Two, Scene Three. "Now, by heaven, My blood begins my safer guides to rule, And passion, having my best judgement collied, Essays to lead the way. 'Swounds, if I stir." Christ's wound's if I stir? Othello knows he is a man capable of terrible destruction. Yet it is love that he is afraid of not mortal men. This emotion is not so powerful that he denies it? No. Instead he attempts to temper his love, yet this seems like a denial of being uxorious. When Othello lands upon the shore of Cyprus and sees his beautiful Desdemona he exclaims, "I cannot speak enough of this content. It stops me here, it is to much joy." This joy of being in love stops his warrior heart. How can he not feel foolishy fond of his precious jewel. After the sword fight in Act Two, Scene Three Othello utters, in line 23, "Cassio, I love thee." Is he not doting upon his handsome leiutenant? He loves these people, but instead of his love becoming his salvation, it is his Achille's heel. That love becomes a serpant that constricts around his heart and breaks it. The belief in alove turned sour is to much for poor Othello. Now he can never love. Othello will never become oversubmissive to his wife because he can only love as much as he sees he will receive in return. The answer to the question then appears to be that he is not uxorious because it is not allowed to bloom. The hateful seeds planted by Iago grow like weeds in Othello's mind and over take it. The gentle fruit of Desdemona and Cassio take to long to bear and are strangled out of existence.