Investment Portfolio Essay Example

Investment Portfolio Essay Example Investment Portfolio Essay Investment Portfolio Essay Investment Portfolio Name: Course: Institution: Instructor: Date: Investment Portfolio The investment portfolio would take more than seven years considering there are bonds that will mature after 10 years. Therefore, the time horizon for this project would be in the long term. Although other investments such as securities are within seven years, the bonds make the investment a long-term project. The investment experience for this project can be described as extensive considering the time horizon as well as the investment portfolio itself, which combines several investments in the long term. With securities and bonds that go for more than seven years, the investment can be describes as extensive (Goldie Murray, 2011). Additionally, it is an investment by the same person, meaning the portfolio is diversified making it extensive. I do not intend to withdraw retirement savings for non-retirement expenses. This raises the risk of having no retirement savings in the end. Therefore, I would prefer leaving the retirement savings untouched and exploit other means. I would consider retirement savings to be a future investment, and should not be withdrawn since it means having no savings at the end. However, if it is an investment withdrawal likely to earn more, I could consider withdrawing. In case of an emergency, my long-term investment would last for quite some time if the emergency were not solved by short-term investments. My long-term investments would last for more than a year, about two years in the event of a significant amount of emergency. The monthly income used for paying up the installment debt is between 25% and 50% per month, which does not include the mortgage. The installment debt does vary with the variation of interest rate in the market but does not exceed 50% of my salary. In the future, about five years from now I expect that my salary and earnings will be able to grow and exceed the inflation, considering the investments I have made. As I expect my investment to grow within the five years, I would also expect my earnings to exceed the inflation rate or grow faster than the inflation rate within the five-year period (Goldie Murray, 2011). I could be ready to take some risks for my investment in order to exceed the inflation rate. Currently, the investment is likely to exceed the inflation rate in the future. However, if it would require taking more risks, I would take some, but not to a big extent. During steep decline in the equity markets, many people or investors are under pressure to sell their investment. At this time, the equities sell at a cheap price. Therefore, I would see it as a chance of increasing my investment by buying more equities. Therefore, after a steep decline, I would be comfortable, and see it as a chance of buying more equities (Hagin, 2004). If I had $100,000 invested and lost 20%, which is $20,000, I would see it as an investment opportunity and buy more since many investors would sell cheap at that time to avoid further loss. I would probably hope they would gain in the future, when I shall have some profit. However, if the investment dropped by another $12,000, which is 15% loss to make it 35 in total, I would still hold on and wait for them to gain. Selling the entire investment would mean a bigger loss than waiting for them to gain and earn some earnings. References Goldie, D. C., Murray, G. S. (2011). The investment answer: Learn to manage your money protect your financial future. New York, NY: Business Plus. Hagin, R. (2004). Investment management: Portfolio diversification, risk, and timing–fact and fiction. Hoboken, N.J: Wiley.

The Three Restauranteers

The Three Restauranteers The Three Restauranteers The Three Restauranteers By Maeve Maddox A reader asks about a word that means â€Å"a person who owns and manages a restaurant†: I recently saw the term restauranteer on someones resume. Ive heard of musketeers, and even mountaineers; but I thought restauranteurs and connoisseurs were in a different category? The reader may be surprised to know that the Word spellchecker flags both restauranteer and restauranteurs as misspellings. The standard form is restaurateur. The suffix -eer is an Anglicized form of the French suffix -ier. It is used to form nouns denoting persons. For example, French canonnier gives English cannoneer; French muletier gives English muleteer. The usual sense of such nouns is â€Å"one who is concerned with† or â€Å"one who deals in.† Some French borrowings retain the -ier in English, for example bombardier, brigadier, cashier, clothier, courier, and chocolatier. The suffix -eur is a French suffix unchanged in English. Its usual use is to form agent nouns from verbs, for example: amateur, one who does something for the love of it. connoisseur (from Latin cognÃ… scÄ•re, â€Å"to know†), one who knows, especially about matters of taste. provocateur, one who provokes a disturbance. raconteur (from French raconter, â€Å"to recount, tell†), one who tells stories. restaurateur, one who owns and manages a restaurant. saboteur, one who commits sabotage. secateur, something that cuts. All three forms- restaurateur, restauranteur, and restauranteer- appear on the Ngram Viewer, but restauranteur is close to the bottom of the grid, and restauranteer is barely a blip. The Chicago Manual of Style points out that restauranteur may appear in some dictionaries without being an example of good usage. The Associated Press Stylebook lists restaurateur as the only spelling. The reader who asked the question also asks to know how to remember the correct spelling. Perhaps this will help: Restaurateur begins like restaurant, but does not include the n, and it ends with the suffix -teur. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:English Grammar 101: All You Need to KnowUse a Dash for Number RangesHow to Send Tactful Emails from a Technical Support Desk

British Invasion Essay Example | Topics and Well Written Essays - 1000 words

British Invasion - Essay Example They did not only copy their music style, but their rebellious images that were close to British youth. Thanks to that a few successful British artists appeared, namely The Shadows and Cliff Richard, but their popularity was nothing close to that of the American musicians, and therefore their influence on the American music charts was limited. In 1962 the single Telstar by the British band The Tornadoes became number one in the USA. This event marked the initial stage of the British Invasion. But the real start of this great wave of music was in December 1963, when the song I Want to Hold Your Hand by The Beatles appeared on American radio stations and became extremely popular. On February 9th 1964, the Beatles performed live on The Ed Sullivan Show and from that day on Beatlemania swept the United States. â€Å"This appearance was a remarkable social and cultural milestone of the 1960's, and marked the dramatic start of the British Invasion† (The British Invasion) The special flavor that the British musicians added to the initially American sound, made this music very popular. At it is known, there were two schools in the British invasion. The groups representing the first school were called â€Å"skiffle† bands. Skiffle is a modern folk-country-blues. ... ar boxes, washboards for percussion, and an occasional acoustic guitar or piano† (Fontenot) The typical representatives of the style were the Ken Colyer Skiffle Band and Lonnie Donegan, who established skiffle as the musical phenomenon. Even though skiffle music is considered the one to be played by simple folks, who could not afford expensive instruments, such great rock groups as The Beatles and The Kinks started out their careers and road to popularity as the skiffle bands. The second school of bands developed later, by the beginning of the 60s, mainly around London. It â€Å"comprised of groups playing rhythm and blues based on the more sound of classic American Blues artists such as Muddy Waters and Howlin' Wolf† (The British Invasion) The groups successfully performed in the UK and around Europe (mostly in Germany) and in the 1961-1962 they started developing variations of the American styles of music. Among the most popular groups that played in rhythm and blues s tyle there were The Animals, The Rolling Stones, Manfred Mann, etc. With the skyrocketing takeoff of the Beatles in the United States’ music market the whole explosion of the British bands in the America began, which later led to the spread of the popularity of the British bands throughout the world. The Beatles’ songs began to dominate the American music charts. The success of The Beatles was followed by the other British bands, such as The Animals, The Kinks, Gerry and the Peacemakers, Peter and Gordon, Manfred Mann, The Rolling Stones, The Zombies, Herman’s Hermits, Petula Clark, etc. The British Invasion was basically over by 1967, when American music became very similar in style to the British one. American groups, namely the Byrds, began emulating the British sound, and even the appearance

Allocation of Fixed Costs Essay Example | Topics and Well Written Essays - 750 words

Allocation of Fixed Costs - Essay Example But in recent environment where the overheads such as IT cost became a major portion in product cost. In advanced manufacturing technology overheads are likely to be more important and therefore it is difficult to justify the IT costs on the basis of absorption costing methodology. The problem arises when the company is not able to decide that on which basis the IT costs should allocate into company products. There are many different techniques can be used for allocation of IT costs. Some of them are mentioned below According to many successful financial advisors, the use of Activity Based Costing (ABC) methodology can be a best and beneficial technique for the allocation of IT costs. In addition, it is also proved by accounting practices of past few decades that activity based costing is absolutely a best technique for charging allocating the major complex overheads costs like IT costs. Activity based costing is just one method of charging IT costs because it focuses on the identifi cation of actual IT costs and can give the true and accurate results. A simple charge back costing technique can be also a good option for allocation of IT cost but it is only feasible only at first stage and the company can face many of big inherent problems at the end of process. Why Activity Based Costing (ABC) is best technique for the allocation of IT costs ABC Vs Flat Rate: In comparison with other costing methodologies the Activity based costing technique always gives accurate results and could be a true measure of profitability. For example, Allocation of overheads on flat rate system hides the inefficiencies of the systems and causes many serious problems in long run. Using a flat rate is can be the best option to get cost transparency but sometimes it can be headache for business leaders because they started to thin k that, they are charged greater than the their use. Using flat rate system, there is a possibility of greater charges in respect with little use of service. C omplexity of IT costs: On the other side of coin, other traditional approaches are not able to measure the complexity of the IT costs properly while the Activity based costing recognize the complexity with its multiple cost drivers. Realistic Approach: In modern competitive environment, companies must be able to assess profitability realistically. Activity based costing methodology facilitates a good understanding of what drives IT costs. Purpose of Allocation Simple the cost allocation is the process of charging the indirect costs in to products on the base of services they consume. It is a process of charging the portion of shared services from cost centers in to a product or service. In current technological environment, the overheads are likely to be far more important and in fact direct labour may account for as little 5% of a product cost. In advance environment many non-volume related support activities such as IT costs have captured a great part in company’s profitabi lity that’s why the fair allocation of IT costs is more important to measure the true profitability level. Benefits of Allocation There are many benefits of allocation of IT costs. Some of them are mentioned below: Proper Accountability of resources: In current competitive trends, enterprises demand more accountability of their funds and they try to use their resources in effective manner. For this purpose, Proper allocation of IT

My Twelve Hours of Independence :: Personal Narrative

My Twelve Hours of Independence As the expansive tour bus inscribed with Arrow Stage Lines on both sides, pulled up to the station, I felt my heart leap with excitement. This was really happening to me. All this time of planning and anticipating, and now my dream was coming true! I could hardly wait to be on my own and to be away from my family for a whole week! Looking around, I could see only five other people that I knew. Four of these people were my family members and the other was a friend of mine who was going with me. The driver of the huge bus climbed down from his perch behind the wheel and introduced himself as Juan Alvarez. I loaded my luggage into the compartment below the bus, told my family goodbye, and walked up the steps of the bus. I soon met the three other people who were riding with John and me and then settled into my seat for the long bus ride to Liberty, Missouri where we would be attending the Farmland Youth Leadership Conference. The five of us were basically on our own. It was just us and the bus driver, who couldn't speak very much English. We had a lot of stops along the way to pick up other students attending the conference so we plugged in a movie and turned on the zone mode that would get us through the twelve-hour drive. After only one minor delay of our bus breaking down just outside of Denver, we had successfully picked up all of the attendees from Colorado. There were about twenty-five of us altogether. We changed drivers in Denver, then drove on towards Hays, Kansas, where we would pick up some more students. By this time, it was about 6:30 in the morning, and the bus was nearing the small town of Ellis, which is about twenty minutes outside of Hays. The movie Pure Country was playing, but I had fallen asleep long before it had started. It was just finishing when it happened. One minute I was comfortably curled up, lying across two seats and the next I was bounced into the aisle of the bus. Thankfully, John was sitting in the seat directly across from mine, so he helped me up out of the aisle and had me sit down next to him. I watched in horror as the bus sped through the grassy median and then bounced back on to the Interstate. The entire bus was in a state of confusion, as almost everybody had been asleep when the bus went off the road.

Health and Social Care induction Booklet

Check these details with the people you care for and stick to them. Rights We all have rights and just because we can no longer kick after our selves this goes not mean all our rights disappear, the right to go to bed when we want. The right to decide what to wear and which room we want to sit in. Choice If you were unable to choose anything for yourself ask yourself would you be happy if these choices were taken away from you! The answer I'm sure is no! Then why would the people you are caring for be any different. Rivalry If everyone just walked into your house without asking would you be happy, NO. Knock on the door before entering a room; make sure the door is closed when carrying out personal hygiene. Protect the private information Of the people you care for as if it was yours. Independence Allow the people you care for to do things for themselves, you are there to support them to be independent Dignity To treat someone with dignity is to treat them as being of importance, in a way that is considerate of their diversity, as valued individuals.When dignity is present people feel in control, valued, confident, comfortable and able to make decisions for themselves. Respect Respect involves valuing the people you care for, acknowledging their value. This will express itself in certain behaviors for example extending common oratories, expressing concern for others and their well-being taking their feelings and experiences seriously. The Guidance and standards that is relevant to your role – Human Rights Act There are 16 basic rights in the Human Rights Act. Each one is called an Article.They are all taken from the European Convention on Human Rights. They affect everybody. They are also about your rights in everyday life. What you can say and do. Your beliefs. The right to life Freedom from being tortured or killed The right to marry and a family life The right to liberty and security Freedom of expression Protection from discrimination in respect of th ese rights and freedoms UN Convention on the Rights of the Child Protects the rights of all children to an education, to be healthy, to a childhood, to be treated fairly and to be heard.These included the ‘Right to life The right to family life It forbids capital punishment General Social Care Council Code of Practice Provides a clear guide, for those who work, in health and social care. Setting out the standards of practice, responsibilities and conduct for employees and their employers to follow. Employee should- Protect the rights of the service userRespect the rights of the service user Promote the independence of the service user Establish and maintain Be accountable and take responsibility for your actions Employers should- Ensure that the people they employ are suitable and understand their role and responsibility Provide appropriate training and development for their employees to strengthen their skills Have policies and procedures in place to cover any dangerous or di scriminatory behavior Nursing and Midwifery Council code of Practice You must make the care of the person you care for your primary concern.You have a duty of care always to them. You are personally accountable for your actions or inactions in your work life always. Valuing and Respecting Service Users Values guide the way we live our lives and the decisions we make. A value is defined as something that we hold dear, those characters or behaviors which we consider to be of importance. Everyone has the right to be valued and respected for their own individuality. We should take the service user's feelings, needs, thoughts, ideas, wishes and preferences into consideration. It means taking all of these seriously and giving them worth and value.Giving money respect seems similar to valuing them and their thoughts, feelings, etc. It also includes acknowledging them, listening to them, being truthful with them, and accepting their individuality and differences. Treat others how you would want yourself or a relative to be treated. Valuing Adults Listen to the service user, ask them what they want and how they want to do it, then help them to achieve it. Do not automatically do things for the service user; allow them to do things for themselves and aide when required Be flexible allow service user to decide when they want to do things such as eating, going to bed, getting up.Valuing children Acknowledge them When you communicate with a child come down to their level Treat them as equals Encourage them to do things for themselves Be patient The importance of a person-centered approach is to ensure the service user is thought of first before anyone else. Also it makes sure that the knowledge that a service user has about what they want and need, then provides information about what is the best thing to do. As a career you should focus on the wants, wishes and needs of the service user.

Essay on Vietnam and Korean Wars Ruined Americas Image

The Vietnam War and Korean War greatly changed America forever. It was the longest war fought in America’s history, lasting from 1950 to 1973. Both of the Wars ruined America’s self-image by waging war against the people of Korea and Vietnam becoming the first time in history the United States failed to accomplish its stated war aims, to preserve a separate, independent, non-communist government. The elections had great effects on the America, as the communist parties of Korea and Vietnam led millions of their people to restore the independence of each individual country. The Americans strictly against national elections rose to take control, but ended up mishandling the situation. Now the question is not about how come they did this, but†¦show more content†¦However, this election never happened, because the United States knew that, if the elections would happen, the North Vietnamese communist would likely win because the popularity of communist parties was gr owing through Vietnam and Korea. This was identified to be dangerous for America; it would extremely weaken their global power, and strengthen the Soviet Union. The war itself did show clearly to the Soviet Union that the U.S. was willing to use any methods required to stop the spread of communism. America is a country which always told the citizens of their country that they will do anything to save the citizens of any country; they had the belief in spreading freedom and democracy internationally. Meaning that when they intervened the situation in Vietnam, they were actually stopping the elections, because it would cause too much harm to the people of Vietnam, but instead the United States were not protecting the Vietnamese people, rather they were harming them. Not only did the U.S. prevent the Vietnamese from taking part in elections, but during the course of the war, civilian fatalities were treated as horribly. Because the North-Vietnamese forces were peasants, just like the civilians, they were very difficult to tell apart. There are recorded cases of entire villages of being examined because of suspicion of the communist from North Vietnam. America’s commitment of saving citizens was not as pure as it seemed, they caused a lotShow MoreRelatedWhy Did The United St ates Lose The War Of Vietnam? Essay1545 Words   |  7 Pageslose the war in Vietnam? Could the US have won? Before the Vietnam War, the United States had never lost a war. 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