Conditional conjugation
Sunday, August 23, 2020
South East Antique Shop Case Study Example | Topics and Well Written Essays - 3500 words
South East Antique Shop - Case Study Example The risk of the accomplices in an organization firm or the proprietor of a restrictive reaches out to the organization's obligations and money related commitments. So as to restrain one's obligation to the degree of one's interest in the organization, a restricted risk organization is to be framed. This ensures the proprietors by constraining their hazard in case of disappointment of their business to simply their venture. In case of a case being favored against the organization, such a case is restricted to the degree of the advantages held by the organization. The individual properties or possessions of the proprietors are shielded from such cases. Without such a structure, the obligation isn't constrained to the interest in the organization and the homes, accounts in banks and different resources of the proprietors are in danger of being appropriated towards the case amount1. The word constrained in regard of organizations is an admonition in as much as that if something turns out badly and if an individual needs his cash back; it will be conceivable to get just what the organization has and not what he must be repaid. One can't go past the advantages of the organization during this procedure. At the end of the day the dealings are with a substance having restricted risk. Over some undefined time frame, progressively the chance of making the chiefs by and by at risk for some organization defaults has expanded. The articles of affiliation set out principles for the interior administration of the organization. Incredible consideration must be taken in drafting the Articles of Association. The Articles of an organization might be modified by an exceptional goals. Where Articles of Association are not enrolled, or if the Articles are enlisted to the extent that they don't reject or change the guideline in Table A , those guidelines so far as relevant are the guidelines of the organization in a similar way and to a similar degree as though they were contained in appropriately enlisted articles. On the off chance that the organization expects to give offers or stock warrants, exceptional expert for that reason can and should be given by the articles. The articles may approve the issue of redeemable particular offers and may likewise approve the organization to expand its capital, to solidify its offers into portions of bigger sum, or convert settled up shares into stock and to reconvert stock in to settled up shares, to partition its offers into portions of littler sums, and to drop shares not taken or consented to be taken, additionally to diminish its capital offer premium record and capital reclamation save finance. The articles may likewise approve the organization to change its update to force boundless obligation on its executives or its supervisors or any overseeing chief. The example of the Articles of Association is to be found in the workplace of The Registrar of Companies. The main condition of this reminder of affiliation is required to express the name of the proposed organization. An organization being a lawful substance must have a name to set up its personality, the name of the enterprise is an image of its reality. The second statement of the notice of affiliation must indicate place where the enrolled office of the organization is to be arranged. The third and last condition must
Friday, August 21, 2020
Farmer Backbone of India Essay Example For Students
Rancher Backbone of India Essay Rancher The Backbone of India. India is a rural nation. India lives in towns. The townspeople rely upon agribusiness. They are either ranchers or laborers on the farming fields. Our own enterprises and urban business likewise rely upon horticulture. Accordingly, an Indian rancher genuinely speaks to India. He can be known as the child of the dirt and furthermore the foundation of India. It is on his sweet and work that our advancement and flourishing depend. We as a whole realize that our spine gives us backing to our body. On the off chance that something becomes to our spine we will endure numerous issues. In sameway ranchers are supposed to be spine of India. On the off chance that something will become to rancher, at that point India will endure numerous issues. He underpins us by delivering all essential food needs like grains,vegetables,milk,etc. Which we need in our day by day life. It is he who feeds and garments the individuals. An Indian rancher is extremely dedicated and exceptionally occupied consistently. For him there is no rest nor end of the week occasions . He is occupied with working the dirt, planting the seeds, watering the fields, procuring and reaping the harvest and afterward taking it to the market to sell it. But then he is exceptionally poor. He is being misused by the cash banks and the agent. He can't recoup his cash spent during the collecting time frame. His needs are not many and basic but then they are not met. Their misuse ought to be halted. They ought to be conveyed horticultural land. They ought to be given modest advances and different offices. They ought to be given better seeds, manures and return for their produce. The water system offices ought to be improved.
Friday, July 10, 2020
How to Demonstrate Financial Need in a Scholarship Essay
How to Demonstrate Financial Need in a Scholarship EssayIt is very easy to do a scholarship essay because the information that you are going to gather is going to have to do with a scholarship, however it is still important to present the applicant's financial situation, as well as the good reasons why the applicant deserves the award. If the scholarship is for a college scholarship, the essay will contain information regarding the financial aid package that is being provided to the student by the college. The essay may also be used as the basis for a cover letter.The main point of writing a scholarship essay is to present the facts to the reader so that they are not left wondering as to the truthfulness of the applicant. Even if the writer knows the student and finds the information authentic, there will still be time for the writer to put on his or her own spin. Therefore, the writer should realize that the essay should be written in a manner that would make a reader comfortable in submitting a document. A lot of guidelines have been established in order to provide an outline for what the writer should include and how much he or she should break the information down into smaller parts.Most of the websites on the internet today supply a sample essay and how to demonstrate financial need in a scholarship essay samples for free. The purpose of providing samples for free is that the writers can use the samples as a guideline to write their own. It is very important to remember that the online essays are generally used as a preparation for the writer's own assignment, however, it does provide a wealth of valuable information.One of the ways to demonstrate financial need in a scholarship essay is by indicating how much the applicant may have saved by taking the college's offer. In most cases, the family has had to tighten its belt in the past year. For instance, this could include cutting back on the holiday allowance, which would not have been available earlier. I n some cases, the individual's salary could be a factor that the writer should discuss.A free sample of a scholarship essay may be a great resource for the writer. It will show him or her how to generate words that are effective without resorting to obvious capitalization. In order to determine if the words are acceptable, it is important to research them thoroughly before submitting the essay. This way, the writer will not fall victim to using the wrong words or writing sentences that are grammatically incorrect. The free sample will also help the writer understand how to handle the content within the scholarship essay.In addition to the sample essay and the how to demonstrate financial need in a scholarship essay samples for free, there are other methods of finding scholarship information. The internet is one of the primary resources to turn to when looking for information. There are many websites that will provide information on scholarships to students that they will not charge any fee for, but it is still important to research the website.It is important to remember that writing scholarship essays requires that the writer is honest and forthright, as well as maintain an unbiased attitude. As a result, the writer should ensure that the information provided is accurate. Once the scholarship information is presented correctly, the writer should use their own ideas and research to create the story that has been written for the reader. This will be the only thing that will get the reader to view the applicant for whom the information is provided and will build trust in the writer.
Tuesday, May 19, 2020
Quiz Capture And Share Your World - 1354 Words
GoPro: capture and share your world ________________________________________ -------------- GoPro Inc. is the manufacturer of the GoPro camera, which can be used to film extreme sports and footage from the user s POV. GoPro capture virtually anything, from Avalanche Cliff Jump to Gardening with Grandpa . GoPro allows its users to upload and share any and all content with ease. Its services, including its services online, video platform and applications are are covered by an extensive Privacy Policy and Terms of Use. -------------- Privacy Policy ________________________________________ -------------- Data Collection and Use When connected to the Internet using a GoPro device, GoPro collects its users: ï⠧ IP address ï⠧ device type ï⠧ profile information ï⠧ preferences (e.g. language) ï⠧ GPS coordinates (- this can be disabled on the mobile application by disabling GPS tracking) ï⠧ postcode ï⠧ age ï⠧ sex ï⠧ browser type This data is then anonymized and amalgamated for the following stated purposes: â⬠¢ improvement the performance of the GoPro services â⬠¢ development of an understanding of how anonymous users interact with the GoPro website after having viewed GoPro advertisements â⬠¢ maximization and optimization of the performance of advertisements and advertising campaigns by identifying and retargeting past website visitors However, these uses are not limited, nor further explained; its vagueness potentially insulating GoPro from liability. -------------- CookieShow MoreRelatedArt Quiz 1 Essay867 Words à |à 4 PagesArts Appreciation 1301 Chapter 1 Quiz 1. Chapter One opens by describing the work of artist Cai Guo-Qiang. Gunpowder is an unusual material to draw with and the sky is an unusual surface to draw on! What reasons does the artist give for using gunpowder as his drawing material? Cai Guo-Qiang wished to create beauty from something like gunpowder, which is originally considered a force of destruction. 2. On page 3, the author (Sayre p.3) states: ââ¬Å"Appreciating art is never just a question of acceptingRead MoreThe Narrative Style Of Angela Merkel, Chancellor Of Germany1036 Words à |à 5 Pageswith recommendations which in turn will refine her delivery, aid in conveying her intended message, and ultimately enrich her narrative intelligent leadership style. Narrative Communication Narrative Intelligence is the capacity to understand the world, being familiar with the multi-dimensions of narratives, to know different patterns of stories exist, to know which narrative patterns are likely to have what effect in which situation, knowing how to overcome the fundamental attribution error, andRead MoreCadbury Chocolate4381 Words à |à 18 PagesCadbury Dairy Milk Background: Cadbury dominates the chocolate market in India with a 70% share of the market. Cadbury Dairy Milk is its largest chocolate brand which accounts fro a third of every chocolate bar consumed. à The Task: In 2005 the task before Cadbury Dairy Milk was to increase its consumer franchise. The Strategy: * The task was to get the youth audience to adopt Cadbury Dairy Milk in the sweet eating or muh meetha karna moments * The campaign of Jab Pappu PassRead MoreThe Business Strategy Game3044 Words à |à 13 Pagesgeographic segments each for branded footwear sales to retailers, for online footwear sales direct to consumers, and for private-label sales à What Is The Business Strategy Game All About? The industry setting is modeled to closely approximate the real-world character of the globally competitive athletic footwear industry. Company operations are patterned after those of an athletic footwear company that makes its footwear at company-operated plants. Cause-effect relationships and revenue-cost-profitRead MoreMKT 571 Quizzes week 1 6 Essay2577 Words à |à 11 PagesQuizà Weekà 1à à 1à Oneà ofà theà mostà criticalà stepsà inà theà definingà processà ofà marketà researchà isà definingà theà problem,à theà decisionà alternatives,à andà researchà objectivesà 2à ââ¬â¹ Wabashà Bankà wouldà likeà toà understandà ifà thereà isà aà relationshipà betweenà theà advertisingà orà promotionà ità doesà andà theà numberà ofà newà customersà theà bankà getsà eachà quarter.à Whatà typeà ofà researchà isà thisà anà exampleà of?à à Casualà 3à ââ¬â¹ Howà doesà theà marketà demandà curveà changeà (asà aà functionà ofà marketingà expenditure)à duringà recession?à Read MoreJohn Steinbeck s Of Mice And Men1905 Words à |à 8 Pagesquestions will guide your reading and prepare you for the quiz, discussions and related assignments. You may use this packet for the quiz. A TYPED PAPER COPY of this packet must be turned in to your teacher on the first day of school. Before Reading Section 1: Background research Use the internet to find information about the author and about the setting for the novel and the context in which he wrote it. Make sure to put quotation marks around direct quotations and to cite your sources! About theRead MoreEssay about The Dangers of Social Media Correlating to Privacy3105 Words à |à 13 Pagescan own. The internet space is seen as a public domain that you can participate in, it is a space that you canââ¬â¢t own and is no longer personal. We share this domain with millions of people all around the world, it doesnââ¬â¢t just belong to one individual or company, and it is similar to air. All people have access to air, it is a domain that all humans share, that no ââ¬Ëoneââ¬â¢ individual can own or demolish. We all contribute to the health of the air, from the use of our vehicles and factories, etc., justRead MoreComputer Network : A Means Of Extending Interoperability And Promoting Self Productivity Through Sharing Of Computer Resources Essay9852 Words à |à 40 Pagesexistence as a means of extending interoperability and promoting self-productivity through sharing of computer resources among the users. The trending factor in our society today is the fact that the world is connected as one global village. Humans are now able to connect together from any two points in the world. This is made possible by advances in telecommunication. Telecommunications simply is the extension of communication over a distance. This also brings about what we know as networking which isRead MoreImproving Customer Service Essay3436 Words à |à 14 Pageswhen dealing with customers that can make all the difference between a satisfied consumer and one lost to the competition. Acts such as leaving a calling customer on hold for extended amounts of time and not making them feel as if they are welcome in your business are things that should be avoided. Improving Customer Service Good customer service cannot be bought by an organization nor will it be found in the mission statement. Customer service is a trait that must be imbedded into the cultureRead MoreEducating Esme Comprehensive Reflection2824 Words à |à 12 PagesEvery teacherââ¬â¢s worst nightmare ââ¬â that is the setting to which Madame (whatever you do donââ¬â¢t call her Mrs.) Esme Raji Codell stepped into as her first job fresh out of college. In this sink or swim world Esme, unknowingly, became a lifeguard to thirty youngsters, as she seemed the only one who could protect the children from the rough waters that are inner city Chicago. Through studying her very candid and personal diary, I am awe stricken by her extraordinary display of pedagogy as she exemplifies
Wednesday, May 6, 2020
Reflective Essay On Self Reflection - 956 Words
As the semester of my first year in high school comes to an end, I look back to the beginning of the year to when I had no idea on how to write a quality paper or even how to use correct format and evidence. However, with a teacher who connects with students and using tools to enhance my paper, I feel more confident in independently writing an essay. In spite of the fact that itââ¬â¢s been a little over four months since the beginning of the year, I feel like I have improved. From ââ¬Å"to-be verbsâ⬠to sentence structures, I have slowly seen my work advance and progress. Although I do not have the most superior grades for my papers, in my opinion, I have improved in all skill types including reading, writing, speaking/listening, and learningâ⬠¦show more contentâ⬠¦In term one my writing grades for two and three scored an eighty five and sixty five percent. In term two, my scores did increase to a one hundred and eighty five percent but then dropped back down to two s eventy five percent scores. I believe that since I didnââ¬â¢t use different techniques to help my writing, I received poor grades. Instead, I slacked off thinking my grade would stay proficient. Next semester, I want to try and widen my vocabulary and use more advanced word choice in all my work. Now on the other hand, my speaking and listening skills are significantly better compared to my other skill component grades. The lowest score reaching from seventy five percent to a high of one hundred. From the first speaking grade to the seventh, the grades in order reach an eighty five, two ninetys, two seventy fives, an eighty five, and lastly a hundred. I always liked discussing and debating. I find it interesting listening and analyzing others thoughts and opinions in a mature way. Out of all the skills, discussing beats all of them by a long shot. I always enjoyed socializing and expressing my own opinions since day one. I learn well and always pay attention which resulted in hig her grades. Besides expressing my opinions, I did struggle with trying to bring up a new subject or topic worth talking about. ForShow MoreRelatedReflective Essay767 Words à |à 4 PagesHow to write a reflective essay by Shadi Farid A reflective essay is essentially an essay designed to emulate past experiences or occurrences in writing form. Most reflective essays are to show the reader changes and evolutions of yourself or certain aspects about yourself, so there is a constant change of tenses during the essay between past and present. During this essay I will be describing the most important parts of writing a reflective essay and all the key elements that should be includedRead MoreThe Theory Of Reflective Practice Within Healthcare And Nursing894 Words à |à 4 PagesThis essay will demonstrate an understanding of the theory of reflective practice within healthcare and nursing. Furthermore, the essay will identify and analyse the different models of reflective practice, the effectiveness of the models and how healthcare professionals can apply this within their profession. Also, the barriers that may prevent a healthcare professional from reflecting will be discussed in this essay and how it will impact th e quality of care delivered to patients. 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The essay will highlight the skills I feel are my current strengths and draw attention to the areas I need to develop. I will briefly describe and evaluate some different reflective models and in relationRead MoreUsing Nursing And Midwifery Board Of Australia1318 Words à |à 6 Pages Using Nursing and Midwifery Board of Australia Competency standard thirteen (National Midwifery Board of Australia, 2006), this essay will provide a thorough discussion and critical analysis of the reflective process, known as Gibbs reflective cycle (Bulman Shutz, 2008) and how this reflective process in conjunction with competency standard thirteen, will be utilised to enable the author to fulfil their professional and personal goals in becoming a midwife. Personal limitations and strengthsRead MoreReflective Reflection Essay999 Words à |à 4 Pagespractising exist for counsellors, with reflective practice becoming more popular amongst practitioners. 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Calibration of Multivariate Management
Question: Discuss about the Calibration of Multivariate Management. Answer: Introduction: The banks and the other financial institutions undertake various functions for a smooth running of their business. One of the key elements related with the operations of banking and other financial institutions is the Credit Portfolio Management. The credit management system worries mostly about the large companies who concentrate on doing business in the various industrial sectors. The large firms have many credit folders in accordance with their various industries, which are inclusive of the loans that are illiquid in nature. In the past, the function of the credit portfolio management included the computation of the average risk of credit to increase the rate of return pertaining to the risk. Such risks are reduced through the selling of loans and hedging in the secondary market, which results to the recognition and controlling of the risk level (Klotz 2015). Unlike the traditional credit portfolio management, the new management system evaluates the whole credit book and does not focus only on the individual borrowers credit risk management. The financial crisis in the year 2007 has led to a dramatic transformation in the economic and financial structure globally. These changes enforced the companies to alter their operational strategies. The outlook of Credit Portfolio Management (CPM) saw a drastic change due to the new necessities of the companies with respect to the growing margin ad cost pressure, liquidity and capital. The financial crisis has therefore, broadened the functions of CPM and now the management system monitors relevant departments like the methodology, finance, business functions and risk information (Naqvi 2016). These requirements for changes compelled Mc Kinsey along with the International Association of Credit Portfolio to initiate a survey by taking certain financial industries from around the globe as their participants. The intention of the survey was to discover the new roles of CPM and the process or system that are required to be introduced by the firms thereby, establishing an effective credit management system. The pertaining problem with CPM is the non-existence of any path or road, which can be followed to develop the management system. The business model of different industries creates the path flow of credit management. Therefore, the credit management system differs for every industries functioning in the global market. The analysis tries to identify the suitable alternatives the management possesses, and the effective procedure the company will choose to establish a roadway for the credit management activities that will generate an effective performance. The development of the functions of CPM is mainly due to the three factors, which will be discussed below: Capital and Liquidity Restraint: The transformation in the policies and regulations in the aspect of capital and liquidity has compelled the financial organizations to make alterations in their strategies. The changing strategy will therefore, include restructuring their financial reports and thus, optimizing the use of capital and creation of profit. The CPM tries to motivate the origination of loans and selling of the assets because a substantial amount of the balance sheet is composed of the credit book. The crucial changes with respect to the Basel IV in the requirement of capital in the financial firms have established changes in the portfolio management (Gundlach 2013). The CPM used to analyze and supervise independently over the loan portfolio and from the rest of the balance sheet and no extra funding was required. The CPM team was independent to analyze the return on equity. The assets of large scale were placed in the front and center in the new management approach with res pect to the new requirements and policies like credit and other operations in the balance sheet. Increase in cost and decreasing margin: The drop in the margin pressure creates urgency to enhance the use of raw materials due to high demand in the market. The reason for margin pressure is the reason behind the development of CPM. The reduction in the sales and rise in the cost of production is the reason behind the rise in the margin pressure. Market Condition Transformation: The development of CPM is also due to the changing market condition. The transformation has mainly been after the financial crisis in 2007. This reason is of less importance with respect to the other two factors. The transformation of the focus to the point of origin in the credit portfolio management is due to the fall in the usefulness in the secondary trading and the intense desire for long-term credit in the secondary market (Christian 2016). The above-discussed problems encouraged the CPM to change its focus from their primary functions of reducing the risk developing with the portfolio and enhancing the return on risk level. The role of CPM is altering and developing with the changing economic transformation and demand. The three factors discussed earlier alter the CPM tools, its working procedure with respect to the concerned organization and the data available for analysis. The financial organizations are proficient in framing, initiating and risk pricing but are not capable in achieving a considerable volume in the balance sheet (Bodie 2015). Such disadvantages of the firms need immediate action even when they are in the requirement of changing the interest income to fee income. The CPM therefore, requires redesigning its roles and functions towards the financial firms with the transforming circumstances. The role of the CPM earlier was to focus on the loan book but, with the changing needs, the system looks on supervising the revelations of risk and their response on the balance sheet. The CPM is therefore, managing all the activities pertaining to risk. There is no individual framework for the functioning of CPM as the design varies in different countries. For example, the continents like Europe and Asia predict CPM to function the vital roles in managing the portfolio and taking steps to reduce the credit risk and creating the balance sheet more suitable to establish the highest amount of equity with the respect to the limitations of the policies (Roggi 2013). The CPM also concentrates on the secondary line, in which the process looks to decrease the constraints of risk limit and then tries to analyze the market opportunities and in the requirement of new capital, initiates stress-testing alternatives along with the introduction of plans in the credit-lending portfolio. An important part of the functions of CPM is to support a modern market outlook and the capability to bring in lucrative business opportunities. The CPM requires creating a developed analytics and an advanced management framework in order to introduce the current powers and control and to reach a position to undertake strategic decisions (Bessis 2015). The modern tools and equipments will allow the CPM team to gain integrity and thus become a decisive partner for any organization. The CPM requires mentoring the business decisions using a tough and dangerous framework thereby enhancing efficient tools for augmentation. The advanced system requires harmonizing with the entire targets and the constraints to the balance sheet thereby, revealing the vast slab of the important performance indicators, a company needs to optimize. The introduction of the current constraints on the policies, the need of transfer pricing is essential to bring in different important aspects that becomes blurred and misleading. Such an activity reduces the motivating powers of CPM. The new roles of CPM require working simultaneously and closely with the different functions directing the balance sheet. The viewpoint regarding the CPM problem remains unchanged irrespective of the geographical restrictions and thus, every firm all around the world feels that the introduction of Credit Portfolio Management should comprise of the advanced equipments to analyze the current risk restrictions. The present role of the CPM needs efficient data to finish its work abiding by the regulations and policies (Klotz 2015). Well-framed information about the risk and finance is essential for the evaluation of the risk-return models and quality information is necessary to gain revised awareness about the company in consideration. The transformation in the data about governance and system will create an optimal chance for CPM to encourage investments for the future and enhancement of the modern techniques and mechanism. Thus, CPM can act as an ideal spot, staying in the middle of all the operations and illustrating the requirements of the business with respect to finance, requirements about the system and the risk information (Andreoli 2016). The CPM focusing on the actions of the portfolio moves it to a more efficient position to mentor the creation of the balance sheet corresponding with the financial operations, focusing on the degree and constraints on the individual analysis. The present function of CPM will be dependent on the various industries and will differ from the advisory to the active portfolio management. The activity selected by an organization needs to complete the work efficiently and with a fine instruction that highlights the utility of the extra value to the other companies. The guidelines of CPM will alter the organizational framework (Hu 2016). Therefore, the CPM requires having a uninterrupted market contact, which will place it in the first line and thereby securing the business. Therefore, it is observed that there is a requirement to enhance and develop the function of CPM to contend with the present environment of the organization concerned. The role of CPM is developing in different ways depending on the geography, marketing mix etc. There is no individual structure or model of CPM and so it is important to find out the best model, which can be introduced within a firm. Comparison with Questor Inc The Credit Portfolio Management analysis can be contrasted with relation to the firm named Questor Inc, manufacturer of pipefittings and valve. Catherine Logan, the president of this company requires a loan from Golden West Bank. The loan amount required by the firm is $1,000,000. Questor Inc forwards all the financial reports and statements of the current and the previous years to the banks so that the bank can analyze these reports and understand the financial position of the firm. Catherine Logan, the president of Questor Inc, requires the banking services from Golden West along with the issuing a loan from the bank. The previous bank of Questor Inc was ignorant towards the company and thus, did not offer them efficient and proper services. Questor even faced problems as the earlier bank changed the assigned loan officer of Questor very frequently resulting to the explanation of all the requirements to the new loan officer all over again and pressing all the financial documents so that the officer can a look into it before granting new loan (Banerjee 2014). After the expiry of the terms with the previous bank, Catherine wanted to join hands with Golden West bank to ensure an effective banking service. The industry was running for a period of 15 years and has been in profit ever since. Logan even claimed that the machineries were in perfect condition and the industry did not need to expand for the next 3 years. The organization to establish a good reputation in front of the bank refers to Fairview Savings and other suppliers. The loan officer of Golden West bank, Felix Fernandez found out that the credit payment process was very swift for Questor Inc. The above study delivers the fact that Questor Inc incurs profit and is therefore, a good business but is moderately efficient in terms of credit portfolio management. The organization comprises of many creditors as they usually pay off their suppliers in credit. Therefore, Questor Inc cannot take any trade discounts as they always purchase in credit from the suppliers. After the financial crisis in 2007, there have been drastic changes in the credit portfolio management. The system has been changing from then ever since with the transformation in the economy (Van Deventer 2013). The CPM of Questor Inc therefore, needs to improve and by looking at the financial reports, it is seen that the capital and liquidity of the organization faces a few restrictions. The liquidity and capital structure needs improvement as it can directly affect the credit risk. The CPM needs to focus on these problems stated above and should make initiatives to solve them. The profit level of Questor being hig h leads to a low margin pressure (Bakker 2014). The financial crisis of 2007 will not have any impact on this study as this paper depicts a scenario from the year 1991 and 1992. The CPM of Questor will therefore, focus on the traditional factors like realizing the level of risk, return on risk and the fall in the credibility of risk. An investigation undertaken by the loan officer of Golden West Felix Fernandez with the help of other loan officers revealed that out of the total inventory of the firm, only fifty percent can be realized on a short notice. Felix even found that the company sells receivables older than sixty days to the customer. The probability of risk associated with these receivables re high and therefore creates a doubt of whether to include these values. Thus, it is important to develop an efficient credit risk management by broadening the activities of management. The credit analysis of the firm can be made better by redesigning and creating a new framework, which will be effective to the current environment (Kevin 2015). The management also requires developing new organizational setup thereby selling the accounts receivable on time and originating a credit risk management to escalate the inventory value to increase the return on risk. The firm is prone to risk due to a lack of an effective credit portfolio management, which can lead to loss of inventory as they hold on to their products for more than sixty days. The loss of the product due to any damage can create loss, which can only be recovered if the CPM is strong in the organization (Van Deventer 2013). Thus, the above evaluation shows that the risks related to the credit is a vital factor and Questor needs to concentrate over the problem of credit with respect to accounts receivable and inventory so that the return on risk and the revenue of the organization can be increased. Reference List Andreoli, Alessandro, Luca Vincenzo Ballestra, and Graziella Pacelli. "From insurance risk to credit portfolio management: a new approach to pricing CDOs."Quantitative Finance(2016): 1-16. Bakker, Diederich.Vertical Brand Portfolio Management: Strategies for Integrated Brand Management Between Manufacturers and Retailers. Springer, 2014. Banerjee, Abhijit V., and Esther Duflo. "Do firms want to borrow more? Testing credit constraints using a directed lending program."The Review of Economic Studies81, no. 2 (2014): 572-607. Bessis, Joel, and Brian O'Kelly.Risk management in banking. John Wiley Sons, 2015. Bodie, Zvi, Alex Kane, and Alan J. Marcus.Investments, 10e. McGraw-Hill Education, 2014. Christian, Bluhm, Wagner Christoph, and Overbeck Ludger. "An introduction to credit risk modeling." (2016). Gundlach, Matthias, and Frank Lehrbass, eds.CreditRisk+ in the banking industry. Springer Science Business Media, 2013. Hu, Wenbo. "Calibration of multivariate generalized hyperbolic distributions using the EM algorithm, with applications in risk management, portfolio optimization and portfolio credit risk." (2016). Kevin, S.Security analysis and portfolio management. PHI Learning Pvt. Ltd., 2015. Klotz, Stefan, and Andreas Lindermeir. "Multivariate credit portfolio management using cluster analysis."The Journal of Risk Finance16, no. 2 (2015): 145-163. Lu, Fu-Qiang, Min Huang, Wai-Ki Ching, and Tak Kuen Siu. "Credit portfolio management using two-level particle swarm optimization."Information Sciences237 (2013): 162-175. Naqvi, Syed M. Waqar Azeem, Tahseen M. Khan, and Sayyid Salman Rizavi. "The Efficiency of Credit Portfolio Management in Pakistans Banking Sector." (2016). Roggi, Oliviero, and Edward I. Altman, eds.Managing and Measuring Risk: Emerging Global Standards and Regulations After the Financial Crisis. Vol. 5. World Scientific, 2013. Van Deventer, Donald R., Kenji Imai, and Mark Mesler.Advanced financial risk management: tools and techniques for integrated credit risk and interest rate risk management. John Wiley Sons, 2013.
Wednesday, April 22, 2020
With reference to language, structure and poetic devices Essay Example
With reference to language, structure and poetic devices Essay In this essay, I will be analysing murder, revenge and violence in Salome by Carol Ann Duffy and The Laboratory by Robert Browning. I will be referring to both the poems, focusing on language, structure and poetic devices. The Biblical version of Salome was set in the Kings Chambers. It took place around AD 30. This version was about Salome who danced for Herods birthday feast. Her step father Herod was captivated by her lascivious performance so he was willing to offer her whatever she desiderated. John Baptist believed it was unacceptable as Salomes mother formerly had an affair with Herod. Salome was persuaded by her mother to call for the head of John the Baptist Carol Ann Duffys version of Salome was written before 1914. Duffy updates the biblical version of Salome and is writing from a perspective of a modern day Salome. She presents Salome as a modern girl on the town who frequently goes out drinking and ends up with a one night stand. Also Duffy presents Salome a modern day vigilante and a sexual predator which is a role usually associated with men. Many of Carol Ann Duffys poems reflect on time, age and loss. It is about a female psychopath who takes advantage of her attractiveness by deceiving men and luring them to her bedroom. Then kills her victims who use her to reclaim her power and reverse the roles of men and women. Moreover, Duffy conveys that Salome feels as if many women are mistreated by men and wants to prove that women have the same abilities as men. The poem explains Salomes attitude, behaviour and feelings or her views on killing men. She draws attention of the mistreatment of women which are abused and tormented by men. We will write a custom essay sample on With reference to language, structure and poetic devices specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on With reference to language, structure and poetic devices specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on With reference to language, structure and poetic devices specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The poem Salome is a dramatic monologue. A dramatic monologue is a type of poem; which is based during the Victorian period. It is a speech where the actual speaker is speaking to the audience. Carol Ann Duffy uses dramatic monologue to emphasise Salomes motives, actions, feelings and behaviour. This is seen in the words Id done it before, (and doubtless Ill do it again, sooner or later.) The quote Ill do it again emphasises that Salome is cold hearted, callous and is prepared for killing more men. This could also suggest that her actions are premeditated. Also, the words show that Salome she is careless and obsessed with killing men. She does not fear any consequences that may occur after the death of the men she killed. This shows that her attitudes to violence are very casual. The attitudes towards men and women compared to the biblical times and now are very different. In the past the stereo types for men were associated as sexual predators and more superior than women. Women were seen as subservient, passive and inferior compared to the men. Now men and women are both treated equally. However, women are sometimes seen as objects to satisfy mens desires; and men sometimes see women as easy targets. The words turf out the blighter symbolises the men who exploit or abuse vulnerable women, Salome perhaps describes the men as a plague and it is her duty to rid the world of humanity. Usually men see women who are emotionally terrified, weak and powerless as easy targets. In Salomes mind, she believes it is her responsibility to turf out the men who behave in an abusive manner. The verb turf out is used in todays society, this suggests that she wants to get rid of something or believes it has no value. The Laboratory was written by Robert Browning before 1914. This was set in France before the French revolution Ancient regime. Browning creates a voice of a woman to make the reader understand the speakers behaviour and actions. In the poem a woman (whose name is not mentioned) discovers her husband and his lover (Pauline) are betraying her; for this reason she becomes demented, deceptive and eager to take revenge. She decides to take an unhealthy interest by visiting the apothecary so she can create a powerful poison to murder her rival. After the potion is made, the apothecary who had agreed to make the poison was rewarded with all her jewels and a kiss. Throughout the poem, it seems as if the speakers husband or lover is a serial philanderer. However, this is not the case as she is excessively jealous of Pauline and a woman called Elise as well. Robert Browning uses the dramatic monologue to convey setting, action and also reveals the insanity of the character. This mainly reveals that the speaker is seeking revenge on her lover and her mistress. Let it brighten her drink, let her turn it and stir, And try it and taste, ere fix and prefer. This conveys the idea of jealously, also that she will be satisfied if her lovers mistress life ends. In many ways, The Laboratory is profoundly a sinister poem. Robert Browning creates a voice of a woman in the eighteenth century. It is a dramatic poem where it is narrated by one person who is expressing the matter of the poem in their own point of view. It is not the poet speaking to us, but the voice of the character he has created. In Salome and The Laboratory both the speakers want to take revenge however the speakers of the poem have different motives. The laboratory motive is for the speaker to only kill her lover and his two mistresses as she feels they have betrayed her, also she has a feeling of jealousy towards them. However, Salomes motives differ as she is not jealous and reclaims her power by killing the men who take advantage of women. I believe murder, revenge and violence are important themes as it creates very crucial moments which draws the readers attention. It has a great impact in a way which the audience are left in suspense and builds their curiosity. The poets draw us to the murderers worlds by the description of events to demonstrate the characters feelings. This is apparent in Robert Brownings poem smokes curling, gold oozing and taste sweetly the descriptions of the speakers words show that she is fascinated by the making of the potion because of her twisted and demented plan to kill Pauline. As poison is a slow death, this shows that she wants the victim to suffer in pain; and the consequences of her actions are brutal. The reader is drawn by the murderers world in The laboratory as the reader may perhaps also feel fascinated by the making of the potion and feel eager because of how Robert Browning describes the making of the potion in a positive manner. We are drawn to Salomes worlds by her daily lif estyle she describes, this is seen in the words Simon? Andrew? John? these draw us to her world as we know her daily lifestyle. We know Salomes expectations of men; and it seems as if Salome does not take men seriously and is only using men for pleasure, role reversal. The reader is drawn by the murders world as they know Salomes motive is to reclaim her power as she wants to oust the men who take advantage of women. At the beginning of the poem, there is no tone of regret. Stanza one begins with Salome after a one-night stand, waking up in bed with a stranger next to her. Carol Ann Duffy uses the character Salome to express Salomes feelings on murder and violence through the description of events. For instance, Id done it before emphasises that Salome has become an experienced serial remover of heads as she expresses the idea that she continuously kills men and it seems as if it is her ambition to persist. The words (and doubtless Ill do it again, sooner or later) conveys the inability to stop the gruesome murders. This further indicates that the murder is intentional as she is not determined to stop herself from murdering and knows that she will persist, possibly in the near future. The brackets are used to reflect on Salomes state of mind and attitudes to murder. The tone shows that this must have been a brutal murder. Salomes attitude shows she is absent minded, the murder is premeditated, ha s no remorse on what she has done, and is willing to kill men in the near future. Carol Ann Duffy conveys violence as the reader knows that Salome may never regret what she has done and is obsessed with killing. When the reader realises that the speaker of the poem is a female serial killer they are perhaps startled, agitated and are more interested in her lifestyle which builds a sense of eagerness for the reader. In The Laboratory the speaker of the poem expresses her feelings of murder and violence through the series of events. For example, While they laugh, laugh at me, at me fled to the drear. This suggests that the speaker feels insulted by the relationship between her partner and the mistress. She feels as if they have no consideration towards her. The speaker feels this way as they flaunt their relationship openly. This could express her feelings towards murder as it could lead to revenge on the mistress. The words Drear suggests that the speaker is depressed, fled gives the impression of the speaker having the urge to run away from the depression of hatred she is currently going through. Laugh at me highlights that she is feeling insecure because of her lover and the mistress relationship. She reckons that they are attempting to humiliate her and represents her as being innocent and naive. Her being humiliated leads her to her anger, her attitude implies that she is blameless and she p resents herself as being the victim. Duffy uses dashes to separate the words -whose? from the line Woke up with the head on the pillow beside me It emphasises that Salome detaches from her victims emotionally. Moreover, Salome has no compassion and does not care anything from herself to her victims. Head on pillow beside her is profoundly shocking and unordinary for the reader. This also adds to the point that she is insane and heartless. Salome is brave, lazy and has no shame at all as she has not attempted to hide the decapitated head. She is not afraid of the head being found as it is still on the pillow. Robert Browning uses everyday speech to hide the horror of the speakers actions and intentions. Such as Empty church, to pray God in, for them! This disguises the speakers horror of her actions and intentions as she is asking for forgiveness. However, she is asking for forgiveness by the actions she is going to make in advance. (The action she is going to make is killing her partners mistress.)This perhaps shows that she has no experience in murder. It disguises the horror as this makes the reader believe that the speaker is a good and innocent person. However, while she is praying she has something which is a sin in her mind. As a reader, I would feel confused as normally if a person wants to receive forgiveness, they would have wish that they did not make that mistake earlier and will make sure they will never do it again. However, the speaker must consciously know that she will be satisfied once her lovers mistress life is ended and may have no remorse. Another way Salome expresses her feelings on murder and violence is by Duffys description of events. This is apparent when Salome says and a beautiful crimson mouth that obviously knew how to flatter which I kissed This is very deceiving when Duffy describes the victims mouth as crimson this could perhaps be describing something beautiful or something deadly such as blood. In this case Salome is referring to blood. The colour crimson is a strong, bright deep red colour. This reinforces the idea that Salome believes that the murder is beautiful. Salome expresses the idea that she has no recrimination. For the reader, this shows that the murder is immoral, gruesome and implicating as Salome believes the murder is pleasuring and joyful. Robert Browning uses punctuation to reflect the speakers changing state of mind and attitude to the murder. In every stanza of the poem, there is an exclamation mark. For instance, in the words for them! and drop dead! the speaker mentions this when she wants the murder to happen quickly; or when she is fed up with her partner cheating on her and flaunting his relationship with another woman. The exclamation marks show that she is excited, eager and enthusiastic to take revenge. This builds tension for the reader and is eager for the future events as the reader believes that murder will happen soon. Throughout the poem Salome does not show much interest in her victim. She shows no emotions in these lines as Salome does not know his name and is not concerned that his lips feel Colder than pewter. This conveys that Salome treats her victims like a pleasant fishing hobby. It seems as if her cycle is to wait for a fish, then catch it, kisses the fish, and then kills it. The words colder suggests that her victims life has ended as there has been loss of the victims body heat since his death. Pewter is an alloyed metal made primarily from tin. When tin is cold it reaches a very low temperature. Salomes words emphasise that she is a cold hearted person who does not care about other peoples emotions and feelings. The reader is shocked at the fact that she had kissed the head since the decapitation. There is a sick inevitability and depravity about her; this is immediately evident from the gruesome crime she has committed. The use of rhyme in the Laboratory coveys the writers attitude to murder. This is seen in the words mash up thy paste and I am not in haste! The word paste is when the potion is being made. Robert Browning uses the words mash to suggest the idea of murder by conveying that the speaker wants to destroy her lovers mistress life. It leads to her attitude to murder as her partner has betrayed her; and this is the reason why the speaking is behaving in this way. Haste! could suggest that the speaker is in a hurry to kill, not in haste shows that she wants her victim to suffer in a slow death. This emphasises that she is cunning as earlier she conveyed herself as innocent and naive and it appeared to the reader that the speaker was blameless. The use of rhyming quickens the pace of the poem, this adds to the womans increasing excitement as the apothecary is creating the mixture. Carol Ann Duffy creates an image of death and links them to the themes of murder, revenge and violence. Salome describes the head in close detail, referring to the colour of the hair beard and mouth as well as the very deep lines around the eyes from pain, Id guess, maybe laughter. Duffy implies that Salomes victims were mortified, threatened and tortured. It perhaps means her victims feel tired, distraught and stressed deep lines. The words Id guess creates an image of revenge as this indicates that she does not have any sympathy towards her victims. Salome does not care about anything else as long as she meets her goal of using men, luring them to her bedroom and then killing them. Robert Browning uses character to express the speakers feeling on murder and violence. In The Laboratory the speaker of the poem expresses her feelings of murder and violence. This is illustrated in the words Soon, at the Kings, a mere lozenge to give and Pauline should have just thirty minutes. Robert Browning conveys murder and violence because the reader knows that the speaker is planning to kill her partners mistress and take revenge. Mere and thirty minutes suggests that the speaker is demented and wants the lovers mistress to suffer a slow death; she delights in imagining her dead victim lying in agony. This means that in a slow death, her victim will suffer more pain and it is a very gruesome murder. She perhaps does not want to be present whilst the victim is suffering or dying. The consequences of her actions are brutal. The words soon conveys the idea that the speaker wants to kill the mistress as quick as possible, and does not want to waste time doing something else. It s eems as if there is a sense of urgency. Carol Ann Duffy uses punctuation to reflect Salomes changing state of mind and attitude to the murder. In the poem there is a repeated question mark to show rhetorical question. It is seen in the words Whose? What did it matter? and Simon? Andrew? John? the question marks are always in a short sentence. It is as if Salome is dismissing her victims and they are unworthy to her. As she could not even remember the mans name; this shows her lack of interest towards the individual and her psychopathic tendencies. This further indicates that Salome is a serial killer; as she has seduced and killed many men in her life, it has led her to not even remembering the victims name. This could also convey Salomes eager attitude to murder; as to her it is like a challenge to oust the men who use women. She may have not even considered questioning the victims name as it is her aim to kill the men who she believes deserves to die. The names she is trying to figure out are name of disciples of Jesus; and John refers to John the Baptist. The use of question marks could perhaps mean she is regaining her consciousness. The rhetorical question implies that Salome does not care and is not concerned in answering her own question. Therefore this conveys that her attitude to murder is ruthless and cold. To the reader, Salome will seem insane as she has no regret on her actions. This points out that there is clearly a deep-seated hatred of men and a desire to dominate. Robert Browning conveys an image of death. This is made clear in the lines And her breasts and her arms and her hands, should drop dead! it shows an image of how the speaker is going to kill Pauline. (Her partners mistress.) You can clearly see that the speaker is seeking revenge towards the mistress; because of the description of body parts. The speaker may feel insecure as she mentions Paulines body parts, she does not want another man; but to take revenge instead. Also, her jealousy is erotic and believes that everything about the mistress is better than her in the alliteration drop dead! The exclamation mark expresses the speakers very strong feelings of betrayal. Therefore this is possibly the reason why the speaker wants to take revenge. An ellipsis is used in the poem to contribute the meaning of the poem and to highlight memory lapse. This is seen in the words How to flatter and Which I kissed which implies that Salome believes all men are the same by luring women who are drunk, looking for love and romance. She believes that men generally take advantage of women by abusing them and only expecting one night stands. How to flatter illustrates that she believes her victim was a decent man, but for someone to only have a one night stand with. However in a way, Salome also believes that her victim is not decent in person as he probably would have been like the majority of men and used her for pleasure. Salome has power over her victims by luring men to her bedroom. The second ellipsis is a contrast to the first as how to flatter is not Salome taking her revenge yet, she may be planning to take revenge as her actions to murder is calculating; but at this point it seems as if she is lured by the victim. Which I kissed co ntrasts to the first ellipses as this is her taking revenge and reversing the roles of the stereotypes for men and women. She believes that the victim is foolish and is easily led by lust and desire. The reader of the poem is perhaps confused as Salome is complimenting the victims actions How to flatter. Moreover it seems as if there is more love and romance at this moment rather than revenge. Browning uses the characters in the poem to express the speakers feelings on murder and violence through their description of events. Quick -is it finished? This illustrates that the speaker of the poem is eager for her partners mistress to die by the words Quick It proves that the speaker wants to get rid of her and has no sympathy or guilt. Quick on its own shows how excited and manipulative the speaker is when choosing to kill by deception. She enjoys the images conjured up by her evil plans. Also, she is arrogant to believe that what she is doing is right. The short sentence shows she does not want her victim to live any longer and it shows how deranged the protagonists nature has become. Duffy deliberately uses simple and everyday language in a complex way to disguise horror of Salomes actions and intentions. She uses colloquial phrases and everyday slang to create the sense of an up to date character Cut out the booze and the fags and the sex. This was how men were like in the biblical times and Salome is reversing the roles of men and women. It is a contrast to the modern lifestyle. She uses these words to disguise her actions and intentions. She does not want to cut out the booze fags and sex as the majority of men believe that women with this particular attitude are easy targets. She is fully in control of her men and their deaths. However ironically, Salome needs to be better in control of her own excesses in every way apart from killing. The choice of words reflects her casual attitude. This contrasts to the seriousness of what she has done. As the poem is read by the reader, it seems to the reader that Salome wants to change her attitude and lifestyle. The impact of the words Never again! on the reader is that the reader believes she is regretful for what she has done. The exclamation marks may appear to the reader that Salome wants a sudden change to her horrific lifestyle. However, Salomes attitude is completely opposite to what the reader may believe. Salome does not care what she has done and does not feel any regret for the victims at all.Turf out the blighter she does not feel any regret as see wants to get rid of the men who take advantage of women. Robert Browning uses first person I to show the loneliness of the speaker. He uses this to give the characters point of view. The Laboratory follows an AABB rhyming structure. This makes the poem flow and makes it clear that the speaker is excited about taking revenge. This is seen in the words grace and dying face these suggest that the speaker is eager and willing to take the charm or elegance from the victim; and cause it with pain and aggravation with the poison she will soon give her. The structure creates a jaunty effect which is unsuited for the poems subject and makes the reader eager as well as the speaker for the death of Pauline. Carol Ann Duffy uses rhyme to make the poem sound more affective. The use of rhyme in Salome conveys the writers attitude to murder and brings the speaker back to full consciousness. This is illustrated in the words Clatter and Batter. It conveys attitude to murder because Clatter could suggest the booze on the floor. Booze was Salomes addiction which made her seem as an easy target towards the men that used her. Moreover, this emphasises the mess Salome made after she has succeeded her plan; which indicates that Salome has a careless attitude as she has not yet cleaned her mess. Moreover, Batter could suggest how Salome kills men and the result of the victims appearance after her plan has worked. Another way Salomes feelings are expressed on murder and violence is when she had finished killing the victim. This is seen in the words I flung back the sticky red sheets, and there, like I said- and aint life a bitch. The words Sticky red sheets suggest that Salome is careless. Salome is reflecting on her sexual conquests. She is straight forward, open and clear with her murder and does not deny killing or attempt to hide the decapitated body. If she did want to keep her murder discreet, she would have disposed the sticky red sheets as soon as possible. (Not just put them back.) aint life a bitch conveys the idea that she admits that her life is hard. However, Salome believes she is powerless to stop killing. To her, it is like her nature and what she normally does in her daily life. She represents the woman who is totally dominant over her male victims. There are biblical undertones in Duffys descriptions Lamb to the slaughter is an animal imagery. Salome is referring to the men in her life and represents her victims are innocent and helpless without realising the danger. A lamb can be easily lead, this highlights the idea of the foolish men who are lead by lust or desire. This links to the ideas of vulnerability and sacrifice. In society men and women have different expectations, Salomes mind set is to oust the men who lure women who are drunk, looking for love and romance. She is delusional to believe that it is her responsibility to rid the world of the plague. And kills by deception by luring men. In the poems Salome and The Laboratory. Both the poems use everyday events or speech to disguise the horror of their actions or intentions. Carol Ann Duffy uses daily events such as for teas, dry toast, no butter. This suggests that Salome is only having breakefast to make herself feel better after manipulating the victims. This could also suggest that the murder was very horrific and needs to take a relaxing break. In conclusion, I believe that both the poems are personal in Salome and The Laboratory because they both describe their inner feelings. Salome believes that all men are the same because of her experiences in the past and has a feeling of animosity towards them. Salome is delusional and believes that she lives her own world. (What youthink is how you see the world.) She believes that she is responsible to rid the world of the plague and oust the men. In The Laboratory it is personal as the speaker has a feeling of hate and jealousy. Her attitude shows that she is blameless and presents herself as the victim. While they laugh, laugh at me. In Salome I do not think the character Salome will succeed because no matter how many men she kills. There will still be another man who sees women as objects or inferior towards them. (she cannot kill all the men in the world.) Furthermore, commiting murder is a crime; this could lead her to going to jail. Salome killing men, because of their ignorant behaviour will not deter other men from using women and abusing womens feelings mentally. As many will believe that this severe crime may not happen to them as it is not common for women to kill men while the women lure them in their bedroom. I think that in The Laboratory the speaker succeeded when she killed her partners mistress. She succeeded as her partner will not be able to flaunt his and the mistress relationship in front of her. Also, she will not be depressed or feel betrayed anymore. My opinion of the poems are that they are very interesting as I did not believe that women did not have the courage do such a drastic or demented crime. Moreover, it made me learn how they are psychologically; and the reasons why they kill.
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