Short Term and Long Term Financing - 5177 Words

| Sources of Short-Term and Long-Term Financing | SOURCES OF SHORT-TERM AND LONG-TERM FINANCING What is short-term financing? Short term financing has repayment schedules of less than 1 year Source: www.wiki.answers.com A loan or credit facility with a maturity of one year or less. Source: www.allbusiness.com Sources of Short-Term Financing * Trade Credits * Accruals * Commercial Papers * Bank loans * Banker’s acceptances * Receivable financing * Inventory financing Advantages and Disadvantages of Short-term Financing Advantages: * Easier to arrange * Less expensive * Provides borrower more flexibility Disadvantages * Interest rates fluctuate more often * Refinancing is†¦show more content†¦Maturities on commercial paper rarely range any longer than 270 days. The debt is usually issued at a discount, reflecting prevailing market interest rates. Bank Loans The act of giving money, property or other material goods to a another party in exchange for future repayment of the principal amount along with interest or other finance charges. A loan may be for a specific, one-time amount or can be available as open-ended credit up to a specified ceiling amount. Compensating Balances A type of premium paid by an insured business. Compensating balances plans allow firms to subtract various expenses from the premiums that they pay to their carriers. This allows the business to divert this portion of the premium to a separate account from which it can draw. Interest Rates The amount charged, expressed as a percentage of principal, by a lender to a borrower for the use of assets. Interest rates are typically noted on an annual basis, known as the annual percentage rate (APR). The assets borrowed could include, cash, consumer goods, large assets, such as a vehicle or building. Interest is essentially a rental, or leasing charge to the borrower, for the asset s use. In the case of a large asset, like a vehicle or building, the interest rate is sometimes known as the â€Å"lease rate†. When the borrower is a low-risk party, they will usually be charged a low interest rate; if the borrower is considered high risk, the interestShow MoreRelatedBusinesses keep a close eye on the money they make and the bills they owe. Anything that is not paid immediately is financed. Critically discuss the d1624 Words   |  7 Pagesthe shareholders, long-term and short-term sources. There are risks on every decisions that investors make to finance a business as no one knows how will it goes in the future. Factors like natural disaster, economic crises and changes in demand of markets might destroy the business. Therefore, sometimes it is difficult for businesses to raise funds if investors do not want to take the risk. Short-term financing and long-term financing Short-term financing and long-term financing are divided intoRead MoreFinancial Equity Essay865 Words   |  4 Pagesfactors impacted financing decision. The focus was not in testing a theory but getting â€Å"a deeper understanding how investment and cash flow shocks affect a firms financing decision.† (Gatchev, Spindt, Tarhan, 2009) The study was designed to determine which financing decisions were affected based on the information gathered for consideration. Specifically, the purpose was to determine what the causation or determining factors were when equity was being considered as a source of financing or what theRead MoreWorking Capital Management: Current Asset Holdings and Financial Policies1279 Words   |  5 Pagesand Financing Policies Introduction Working capital management is a strategized tool of corporate finance for making financial decisions that make and analyze a business enterprise. This finance management method in a corporate organization involves the comprehension of the totals while conducting working capital plus how it is financed. There are several concepts that assist in the comprehension of proper working capital management. These concepts are current asset holdings and financing policiesRead MoreScott Equipment Organization Paper1370 Words   |  6 Pagescompanies use debt financing to achieve financial goals. Some choose to use debt consolidation financing. By having a wide range of financing options available, a company is able to get their business up and running faster. This paper will examine three options of financing for Scott Equipment. The aggressive, moderate, and conservative financing options will be calculated and compared in order to determine the best option for Scott Equipment. Summary of Short-Term and Long-Term Financing Policy Options Read MoreMiss638 Words   |  3 Pages1. Compare and contrast a return on assets analysis versus a return on sales which companies will benefit most from the former and why?    ROA (short for return on assets) is a measure of a company’s profitability relative to total assets invested in the business by the owners.    ROA = Net Income/Assets    ROS (short for return on sales) on the other hand is a measure of a company’s overall operating efficiency.    ROS =Net Income/Revenue    Both ROA and ROS indicate the level of efficiencyRead MoreShort Term Financial Policies1216 Words   |  5 PagesPTMBA I / Trim III (A. Y. 2010-11) Div. C. Assets of Short Term Financial Policy Flexible Short Term Financial Policy Maintainance of high ratio of current assets to sales. This would include:- ⠝â€" Keeping large cash bank balances ⠝â€" Making substantial investment in inventories. ⠝â€" Liberal Credit Term meaning high level of debtors. Restrictive Short Term Financial Policy. This would include:- ⠝â€" Low cash balances / no investment in marketable securities ⠝â€" Small inventory levelRead MoreScott Equipment Organization1207 Words   |  5 Pages Scott Equipment Organization Many businesses use debt financing to achieve their financial goals. Debt financing is raising operating capital by borrowing. Scott Equipment Organization is investigating various combinations of short-term and long-term debt financing in financing their assets. Short-term debt financing has a maturity of one year or less; whereas, long-term debt financing has a maturity of more than one year. Short-term debt is usually used to increase the amount of available workingRead MoreThe Importance Of Financial Investments889 Words   |  4 Pagesarticle, a prediction is made that states if firms whose asset values are unclear, if they will use debt to cover financing needs, and issue equity as a last resort. These predictions were tested. It was found that investment induced deficit were financed using both long term debt and short term debt, as well as equity. It was also found that cash balances were not a source of financing. Another finding was that small firms, high-growth firms , and less profitable firms tend to use equity to coverRead MorePanera Bread Co Business Model And Efficient Business Operations1392 Words   |  6 Pagesrespects to the company’s business model and efficient business operations. The methods of analysis utilized include: breakdown of several financial statements such as: income statements, balance sheets, pro-forma statements, as well as, short-term and long-term solvency ratios. As a result of poor performance of in-store sales, in its current growth phase, the company is facing inability to rely on internal funding; which has led to tighter margins. Increases in product and material costs, andRead MoreShort Term Financial Policies1229 Words   |  5 PagesPTMBA I / Trim III (A. Y. 2010-11) Div. C. Assets of Short Term Financial Policy Flexible Short Term Financial Policy Maintainance of high ratio of current assets to sales. This would include:- ⠝â€" Keeping large cash bank balances ⠝â€" Making substantial investment in inventories. ⠝â€" Liberal Credit Term meaning high level of debtors. Restrictive Short Term Financial Policy. This would include:- ⠝â€" Low cash balances / no investment in marketable securities ⠝â€" Small

Same Sex Marriges Essay Example For Students

Same Sex Marriges Essay Society does not accept Same Sex Marriges Essay. There are various reasons for this. Many people feel that same sex marriges are not natural, and go against religious beliefs. Some people may be homophobic feel that gays and lesbians do not deserve to be united legally on paper, or under the blessings of God. Homosexuals want to marry for the same reason that heterosexuals have and there should be no reason why they are not allowed to. Marriage is much more than merely a commitment to love one another. Aside from societal and religious conventions, marriage involves legally imposed financial responsibility and legally authorized financial benefits. Marriage provides automatic legal protections for the spouse, including medical visitation. They become a legal beneficiary of a deceased spouses property, as well as pension and other rights. When two adults want to be married in the eyes of the law, as well a perhaps promise in the eyes of the Lord and their friends and family, to be responsible for the obligations of marriage as well as to enjoy its benefits, the law should not interfere with that simply because they are of the same gender. By not allowing same sex marriges, we are saying that gays and lesbians do not have the same rights as a heterosexual couple and that is not right. It seems like they are considered not to be normal. I dont even think there is a normal for anyone anymore. They cannot benefit from eachother the way a heterosexual married couple would be able to. The only people that benefit from this are the people that do not accept same sex marriges. Personally I do not believe that they are hurting anyone by wanting to get married. Bibliography I dont have one Sociology .

The Physics of Identity free essay sample

Our identity is our social imprint, our ability to distinguish our likenesses or differences to those around us. It is our personal knowledge of who we are, and what we are. Our personal identity affects what we do, what we believe, and how we go about living our lives. The identity is the essence of a human being. In the books The Grapes of Wrath and Invisible Man, written by the authors John Steinbeck and Ralph Ellison, both play with the idea about identity and what it would be like to not to know your true identity in the world. In the Grapes of Wrath a family is tragically forced to leave the land that had been theirs for several generations and embark to a place that they barely knew. The narrator goes on and talks about the people that decided to stay and keep on farming even though their will or connection to work was gone. We will write a custom essay sample on The Physics of Identity or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Their sense of who they were and what they lived for was gone, along with all their friends and family. Through their devastation Steinbeck shows that when you take away a peoples connection to the things they surround themselves with, they lose the connection to themselves and their identity is lost as well. In the Invisible Man Ralph Ellison shows how loss of self and of personal identity can cripple you and make you blind to the obvious. The nameless narrator and protagonist of the story constantly tries to do what others want him to do and be what they want him to be. He tries to hold himself back for others, and allows himself to be used by those people over and over again. In the epilogue the nameless narrator says â€Å"I was pulled this way and that for longer than I can remember. And my problem was that I always tried to go in everyone’s way but my own.† It is at this point he realizes that he hasn’t been true to himself and to what he believes and that he made himself invisible by losing his identity. The narrator then goes on to say that his identity is the key to his freedom. The identity concept that the Steinbeck and Ellison use is very creative. It brings up the question as human beings what are we without our identity? What distinctions can we make between ourselves and others if we don’t feel that we have any differences between us? What are we without the things we surround ourselves with? What are we if the only self identify we recognize is one made up of the misconceptions of others? Steinbeck and Ellison both show that if you let exterior elements dictate who you are, your identity can be lost. If you let other’s words dictate what type of person you should be, as the brotherhood dictated the identity of the nameless narrator, your true identity can be lost. If you let other’s actions dictate who you become, such as the government taking the farmer’s land in the Grapes of Wrath and the farmers losing their sense of self, your true identity can be lost. Steinbeck and Ellison through their books, write that you let others dictate who you are, and that only if you force yourself to believe in yourself can you let your own identity shine. Your identity is what you make of it.

T Dinosaur Extinction Event

The K/T Dinosaur Extinction Event About 65 and a half million years ago, at the end of the Cretaceous period, dinosaurs, the largest, most fearsome creatures ever to rule the planet, died off in vast quantities, along with their cousins, the pterosaurs, and marine reptiles. Although this mass extinction didnt happen literally overnight, in evolutionary terms, it may as well have - within a few thousand years of whatever catastrophe caused their demise, the dinosaurs had been wiped off the face of the Earth. The Cretaceous-Tertiary Extinction Event - or K/T Extinction Event, as its known in scientific shorthand - has spawned a variety of less-than-convincing theories. Up until a few decades ago, paleontologists, climatologists, and assorted cranks blamed everything from epidemic disease to lemming-like suicides to intervention by aliens. That all changed, though, when the Cuban-born physicist Luis Alvarez had an inspired hunch. Did a Meteor Impact Cause the Extinction of the Dinosaurs? In 1980, Alvarez - along with his physicist son, Walter- put forth a startling hypothesis about the K/T Extinction Event. Along with other researchers, the Alvarezes had been investigating sediments laid down all over the world around the time of the K/T boundary 65 million years ago (its generally a straightforward matter to match geologic strata - layers of sediment in rock formations, river beds, etc. - with specific epochs in geologic history, especially in areas of the world where these sediments accumulate in roughly linear fashion). These scientists discovered that the sediments laid down at the K/T boundary were unusually rich in the element iridium. In normal conditions, iridium is extremely rare, leading the Alvarezes to conclude that the Earth was struck 65 million years ago by an iridium-rich meteorite or comet. The iridium residue from the impact object, along with millions of tons of debris from the impact crater, would have quickly spread all over the globe; the massive amounts of dust blotted out the sun, and thus killed the vegetation eaten by herbivorous dinosaurs, the disappearance of which caused the starvation of carnivorous dinosaurs. (Presumably, a similar chain of events led to the extinction of ocean-dwelling mosasaurs and giant pterosaurs like Quetzalcoatlus.) Where Is the K/T Impact Crater? Its one thing to propose a massive meteor impact as the cause of the K/T Extinction, but its quite another to adduce the necessary proof for such a bold hypothesis. The next challenge the Alvarezes faced was to identify the responsible astronomical object, as well as its signature impact crater - not as easy a matter as you might think  since the Earths surface is geologically active and tends to erase evidence of even large meteorite impacts over the course of millions of years. Amazingly, a few years after the Alvarezes published their theory, investigators found the buried remains of a huge crater in the region of Chicxulub, on Mexicos Mayan peninsula. Analysis of its sediments demonstrated that this gigantic (over 100 miles in diameter) crater had been created 65 million years ago - and was clearly caused by an astronomical object, either a comet or a meteor, sufficiently large (anywhere from six to nine miles wide) to occasion the extinction of the dinosaurs. In fact, the size of the crater closely matched the rough estimate proposed by the Alvarezes in their original paper! Was the K/T Impact the Only Factor in Dinosaur Extinction? Today, most paleontologists agree that the K/T meteorite (or comet) was the prime cause of the extinction of the dinosaurs - and in 2010, an international panel of experts endorsed this conclusion after re-examining massive amounts of evidence. However, this doesnt mean there couldnt have been aggravating circumstances: for instance, its possible that the impact was roughly concurrent with an extended period of volcanic activity on the Indian subcontinent, which would have further polluted the atmosphere, or that dinosaurs were dwindling in diversity and ripe for extinction (by the end of the Cretaceous period, there was less variety among dinosaurs than at earlier times in the Mesozoic Era). Its also important to remember that the K/T Extinction Event wasnt the only such catastrophe in the history of life on Earth - or even the worst, statistically speaking. For example, the end of the Permian period, 250 million years ago, witnessed the Permian-Triassic Extinction Event, a still-mysterious global catastrophe in which over 70 percent of land-dwelling animals and a whopping 95 percent of marine animals went kaput. Ironically, it was this extinction that cleared the field for the rise of the dinosaurs toward the end of the Triassic period - after which they managed to hold the world stage for a whopping 150 million years, until that unfortunate visit from the Chicxulub comet.

The community paramedic Essay Example | Topics and Well Written Essays - 500 words

The community paramedic - Essay Example This helps in the identification of all the relevant facts about the patient and communicating it to the team in order to avoid the misunderstanding of what may arise particularly the level of expected care. The communication tool that may be used could be written, verbal, or both. Members of the health care team may use a record and read back process before actually taking an action on either a verbal order or verbal report of essential test results of patients (Epstein et al., 2005). Verbal communication such as telephone call or face-to-face conversation may be used. Face-to-face communication is more preferable since it allows for close and direct interaction between the health care team and the patient. Face-to-face communication also provides nonverbal information expressed by facial expression and body language. Written communication, on the other hand, assist the health care team to convey clinical information in an organized manner (Lyndon, 2006). It also provides the patient with hard copy of background information that is computer-generated for reference. There should also be documentation of all interactions between the health care provider and the patient in order to help in making referral. In order to improve the care coordination, there should be a close working relationship between the community paramedic and the patients and a well as their family members. The community paramedic should develop personal relationship with people with a chronic disease by accessing their homes. They need to constantly remind the patients of the forthcoming appointments. Involvement of the family members ensures consistency of care to such patients because family members are in close contact with the patients and are able to monitor them very effectively (Bodenheimer, Wagner, & Grumbach, 2002). The family members are able to arrange for the

Politics around the world.comparative assignment

Politics around the world.comparative - Assignment Example There has been a lot of debate in the United States recently on the issue of offering public health care. How does U.S. spending on health care actually compare to other countries? The following will explore data available from the Organization for Economic Co-operation and Development (OECD), which maintains a statistical database on all of its member states: http://www.oecd.org Under the topics menu, select â€Å"Health.† Then follow the link for â€Å"OECD Health Data 2014: Key indicators.† Click on the link that reads: â€Å"DOWNLOAD this selection of key indicators from OECD Health Statistics 2014 in Excel† Use this excel file to answer the following questions. In all cases, please report the data for 2012. every citizen to have health insurance. The rich are in Germany are allowed to pay for their own insurance from the insurer of their choice while the poor get social assistance from the government. The Japanese get their insurance from their employers or from a nonprofit insurance organization. In Switzerland the healthcare system is also similar to that of Japan and Germany whereby citizens get social insurance and the poor are assisted by the government which does not happen in the U.S as the poor are left to struggle on their own to find medical assistance. The Taiwan citizens also enjoy a national health insurance system like the most of other developed countries which means that the poor can afford to get decent health care unlike in the U.S where that is impossible (Frontline,

Human Factors in Technology Essay Example for Free

Human Factors in Technology Essay Companies now more than ever are able to utilize technology to be able to one ensure that the company’s values and ethics are readily available to their employees and two technologies provide tools for managers to enforce company policies in relation to ethics. Companies use tools such as Microsoft Share point as well as an internal Intranet for posting its values and ethics making them easy to find as well as tools for understanding them. By doing so the company can then ensure that there isnt really any excuse that can be used for not being aware of the ethics and therefore create a zero tolerance for ethical violations by its employees. Technology provides several tools for managers to be able to monitor their employees use of internet; since many companies are opening up the use of the internet at work finding value in allowing their employees to use the internet especially social media while at work have to ensure that the usage is within the compliance of the companies values. Some of these tools range from having each employee sign a user agreement during the initial hiring process making it clear up front what type of usage is appropriate and spelling out what are clear violations of the usage policy. IT departments today are able to put into place system that will monitor and alert them to a user that may have either intentionally or unintentionally have ended up at a web site that would contain content that violates the companies ethical standards. When this happens typically the companies monitoring software will warn the individual that this site is not approved for use at work as well as send a message to their manager letting them know there has been a website accessed that isnt appropriate. This then gives the manager the opportunity to talk with the employee and establish if the site is truly inappropriate at work or if the user truly did not intend to access that site. This type of environment can be viewed in a couple of different ways, one wou ld be a big brother approach that the company is constantly watching over its employees shoulder creating a culture of suspicion and mistrust. Another view could be seen as a company taking responsibility for the resources it provides to ensure their employees are one remaining productive, two maximizing assists provided to the employees rather than wasting company time and cost for the technology and of course ensuring that the activity whether on break or during work hours does not violate the companies ethical standards. Technology provides valuable tools for human resources professionals today such as conducting background checks, maintaining employment records. There are several major areas in which HR has been changed dynamically through the advancement of technology and the effect that it has on corporate culture. These areas are: Recruiting (choosing the best qualified applicant for the job), Evaluations (metrics or best practices for measuring performance, pay scales and benefits packages), training within HR growing career managers, keeping up to date on labor laws and regulations and Retaining the talent pool (keeping a low turn-over) (ELLEN A. ENSHER, 2002). Recruiting has certainly seen a shift from advertising in the classifieds and job boards to internet search engines such as LINKDIN, usajobs.gov, monster.com, indeed just to name a few these sites allow job seekers to post their resumes and qualifications, and search for openings with companies all over the world. These sites also allow for recruiters to conduct searches for potential applicants who have the qualifications they are looking for. This has led to a quicker turn around time to finding and filling positions with the best-qualified applicants, ease of use for HR professionals as well as the cost savings for companies that used to utilize head hunters and the time it took for recruiters to screen applicants from all over the country. Another tool that has saved money and added convenience for both HR professionals as well as applicants is the ability to send questioners, interview with applicants through software such as SKYPE that utilizing both video and audio versus travel costs and online assessments (such as typing tests or call center simulations) (ELLEN A. ENSHER, 2002). Performance measurement tools are making improvements but not as quickly some methods that are available are tools that allow managers to be able to capture screen shots and track production levels through software. In call centers a manager is able to provide filters for specific types of calls to evaluate such as time parameters or other criteria when the call meets the criteria the screen records the entire transaction along with the audio from the phone call for performance counseling afterwards. Benefits handling has seen changes in the way they are handled and processed through newer technology. Employees are able through the internet or intranet to be able to review benefits, sign up for benefits or make changes as well as research differences between benefits packages to ensure the package is a good fit for their situation (ELLEN A. ENSHER, 2002). Training and Professional Development has always been vital to ensure that company’s employees are able to have the right training and knowledge to provide the most productivity. An important key to training is continual update training as newer processes are implemented or technology itself how to provide the training quickly for a seamless transition. Companies are able to provide step by step modules using what appears to be live screen shots simulated for the employee. The system will provide instructions on how to perform a function or task and then have the trainee perform the task, providing feedback if the user clicks in the wrong place or chooses the wrong command. This allows for almost real time experience handling using training accounts avoiding costly errors. This works has shown to be more beneficial since the user is seeing the same screen and commands, as they will when using the actual system. Conclusion Technology has provided tools in today’s workplace that allow company’s to help train and manage ethical guidelines, in turn shaping the culture and work environment for its employees. Human Resource Management through innovative technology is growing and saving company’s money in using newer methods for recruiting, retention, training and benefits than ever before. References Chapman, A. (n.d.). training and learning development. (Â © alan chapman 1995-2010 ) Retrieved December 01, 2012, from Business balls.com: http://www.businessballs.com/traindev.htm Elizabeth Regan, B. O. (2002). Implementing Individual and Work Group Technologies. Retrieved DEC 11, 2012, from University of Phoenix: https://ecampus.phoenix.edu/content/eBookLibrary2/content/TOC.aspx?assetdataid=0c85207c-4579-445d-b2e5-278c996a3835assetmetaid=9f9341ec-776c-4a2c-8e8c-422fc4e5f1fe ELLEN A. ENSHER, T. R.-V. (2002). Effects of the Internet and Technology on HR Processes. Retrieved JAN 14, 2013, from Organizational Dynamics,: www.organizational-dynamics.com Spears, S. (2012, DEC 13). Implement a New Technology Plan. Retrieved DEC 23, 2012, from University of Phoenix: https://classroom.phoenix.edu