Analysis of agl Energy Company and Lendlease Group in Australia

Question: Talk about the Analysis of agl Energy Company and Lendlease Group in Australia. Answer: Presentation This exploration examination will be for two organizations AGL Energy [ASX: AGL] situated in Australia and the Lendlease Group situated at Sydney likewise in Australia[1]. It will show what the organizations manages and how they perform explicitly. The will be correlation and complexity for the two organizations comparable to the accompanying segments: the vision or statement of purpose, the estimations of the association, corporate social duty and the partners who are referenced in their corporate articulations. Statements of purpose AGL Energy is one of the biggest coordinated vitality organizations, which gives vitality items, and administrations that was made in 1837. The organization business definition is to bridle bits of knowledge to improve the clients vitality experience while, the Lendlease Group is a worldwide property and foundation organization that manages resource and property the executives, building, designing, framework advancement and speculation the board and administrations. Their business definition has been focused on making and conveying imaginative and maintainable property advertisement foundation answers for people in the future. The vision for the AGL Company has been to accomplish an answer for the financial strengthening just as helplessness so as to support the live hood and make a superior space on the planet where there is evenhanded open doors that are realizable[2]. This vision has been meant to their strategic, they are advancing the feasible techniques particularly in the inst ruction, advancement, manageable system to the neighborhood and the worldwide accomplices. Correlation with the Lendlease Group their vision has been working intimately with the customers, their financial specialists just as the networks so as to make an exceptional spot. These spots ought to be expected to bring a positive inheritance just as rouse and improve the lives of people around the world[3]. The similitudes between these two organizations on their vision is to have any kind of effect in the networks and have the option to change the lives of individuals around the globe. Additionally, they are engaged in conveying of imaginative just as productive arrangement that may bring a long terms supportable result. Estimations of the Organizations The Lendlease Group esteems are the drive to the tasks acted in the association. They incorporate security where individuals are agreeable, decent variety and consideration where contrasts are acknowledged for legitimate collaboration and clients who are the primary goal. In addition, the organization esteems their financial specialists and they as a rule point working with them near bring proficient and economical arrangements. In any case, AGL Energy esteems are their responsibilities, maintainability, corporate citizenship and sponsorship. Both of the organizations they have values that are submitted towards giving the customers the best administrations just as acquiring supportability and development their answer. They attempt to bring the best other option and effective arrangement on the administrations they offer and this has what made them to be over their rivals. Corporate Social Responsibility and Sustainability The organization and how they settle it and the open doors accessible present the supportability of AGL Energy with a maintainability report normally on the web, which diagrams the difficulties confronted. The organization has a methodology that includes the nearby network subsequently denoting their prosperity with the effect made in the network. Then again, the Lendlease bunch maintainability has been the focal business methodology for this association. All internationally the administration also has the network are looking for believed accomplices so as to convey and improve the urban regions with increasingly proficient, sound just as strong results. The perspectives, for example, natural, social just as monetary results are basically conveyed through their arrangement of worldwide turn of events, development and venture activities[4]. The organization puts stock in revealing their presentation to quantify their advance and have the necessities of their clients as their main goal . They have a long history of giving an equivalent accentuation particularly to the earth, social just as financial results so as to accomplish complex worldwide powers that shapes the future, for example, quick urbanization, the environmental change just as disparity and the asset stress. Partners Rent Group has produced organizations will every one of their partners and those referenced in their corporate proclamations are the clients, speculators just as the representatives. These parts are basic to their business since they can pick up the criticism and the help through the client and the representatives overviews, up close and personal communication, gatherings just as meetings they hold. For the AGL Company their partners expressed in their corporate articulations are the clients and network. It is apparent in both of the organizations the clients are the essential parts in their business since they are partners in the organization and without them the organization vision just as crucial be futile. Keen Test for the Objective and the Goals The business meaning of AGL Energy doesn't meet the SMART objective test as it doesn't demonstrate the particular time for the objectives are to be met however it is explicit and assignable as it expresses that the client been the premise of progress and progress. In view of Lendlease meets the SMART objective test as it even refers to that what's to come is the thing that they need to accomplish their objectives. End The two organizations have various methods on how they work yet the outcomes are fairly met As indicated by the objectives, each organization has set.[5] The organizations have focused on completely comprehend the effect and they have measures on their presentation so as to have the option to enhance the manner in which they are doing their undertakings, in their workplaces also in the networks so as to make another benchmarks. These organizations they have numerous likenesses independent they are not in a similar line of business. What makes them to be effective is their supportability endeavors towards the networks, the environmental change and making organization with different partners, for example, the clients and the networks so as to produce a typical vision and improve the world a spot. Reference index Limits, Michael, and Alan Morris. Second wave improvement in downtown Sydney. Cities 23, no. 2 (2006): 99-108. Vitality, A. G. L. 2014 Annual Report. (2013). Nelson, Tim, Paul Simshauser, and James Nelson. Queensland sun based feed-in duties and the legitimacy request impact: financial advantage, or backward tax collection and riches moves?. Economic Analysis and Policy 42, no. 3 (2012): 277-301. O'Neill, Phillip, and Pauline McGuirk. Success along Australia's Eastern Seaboard: Sydney and the geopolitics of urban and financial change. Australian Geographer 33, no. 3 (2002): 241-261. Thangaraj, Ram Karthikeyan, and Toong Khuan Chan. The impacts of the worldwide monetary emergency on the Australian structure development flexibly chain. Construction Economics and Building 12, no. 3 (2012): 16-30.

Tesco Credit Risk And Analysis Report

Tesco Credit Risk And Analysis Report As individuals from Credit Analysis division, our line supervisor has requested that we set up a far reaching credit examination report for Tesco Plc, as it comes out with another drawn out security issue, to finance its procurement of Hilton Foods. This credit chance report centers in addition to other things, on the business foundation and procedure of Tesco and Hilton Food, examination of its yearly reports, organization sites and different sources, a conversation of the methods utilized in the investigation, support of strategies/significant suspicions utilized in our examination and reason behind our groups proposal on the FICO assessment of the security issue. 2. Tesco Business Description and Strategy: Tesco Plc was established by Jack Cohen in 1919. It utilizes around 470,000 staff comprehensively. It is the biggest Britishâ retailerâ by both worldwide deals and residential piece of the overall industry, with benefits surpassing  £3â billion. It is at present the third biggest worldwide retailer dependent on income, behindâ Walmart and Frances Carrefour, yet second biggest dependent on benefit, in front of Carrefour.(Ryan 2004). Initially spend significant time in food and drink, it hasâ enhanced into regions such asâ clothing,â consumer gadgets, budgetary administrations, telecoms,â home,â healthâ andâ car insurance,â dental plans, retailing and leasing DVDs, CDs, music downloads, Internet servicesâ andâ software. Tescos activities are partitioned into UK and International tasks. In the UK, Tesco stores are separated by size and the scope of items sold. (wikipedia.org). Tesco additionally retails through its internet shopping channels, tesco.com and Tesco Direct. Tesco has global tasks in the accompanying nations China, Croatia, Czech Republic, France, Hungary, Republic of Ireland, Indonesia, Japan, Malaysia, Poland, Slovakia, South Korea, Thailand, Turkey, United States (Annual Report 2009 thus alluded to as - AR2009). Business system: Tesco follows the idea of The Tesco Way. It is planned for improving its serious position in the market by turning out to be more client centered and focused around separating itself from different retailers through the administrations it gives. Tesco has created standards like Better for Customers, Simpler for Staff and Cheaper for Operations.(Tesco site) Its current tasks depend on its system set down in 1997 which centers around these 5 key destinations: To be a fruitful universal retailer To develop the center UK business To be as solid in non-food as in food To create retailing administrations, for example, Tesco Personal Finance, Telecom and Tesco.com; and To put networks at the core of what we do. (AR 2009) It is the quest for this five-section system that has permitted the business to expand into new developing markets. Tesco as a business works a Steering Wheel a reasonable scorecard process whereby objectives are set for various zones of the business and by and large advancement is surveyed on a quarterly premise in all nations, to help oversee execution and convey business technique. The Steering Wheels key zones of center are: budgetary, client, tasks, and representative. Each store gets a month to month directing wheel update, a rundown of its measurements inside every one of the four circular segments, with the goal that all workers in Tescos various districts and configurations get input on their exhibition. The controlling wheel has helped the organization remain concentrated on its methodology even as it encountered fast development in the course of recent decades (AR2009). It would be ideal if you note-For Business Description and Business Strategy og Hilton Food please observe Appendix A. 3. Components influencing FICO score of Tesco: With the end goal of this credit investigation report I would break down three elements impacting the FICO assessment of Tesco: They are to be specific: 1) Business Risk 2) Corporate Governance Risk 3) Financial Risk Definitions Table of Factors influencing FICO score of Tesco Business Risk As indicated by wisegeek.com, A business chance is a situation or factor that may negatively affect the activity or productivity of a given organization. In some cases alluded to as organization chance, a business hazard can be the aftereffect of inside conditions, just as some outer elements that might be apparent in the more extensive business network. With regards to outside elements that can make a component of business chance, one of the most dominating dangers is that of an adjustment sought after for the merchandise and enterprises created by the organization. In the event that the change is a positive one, and the interest for the contributions of the organization increment, the measure of hazard is diminished a lot. Inward factors may likewise bring about the improvement of huge business chance for the financial specialist. Corporate Governance Risk As per SearchFinancialSecurity.com Corporate administration is a term that alludes comprehensively to the guidelines, procedures, or laws by which organizations are worked, managed, and controlled. The term can allude to inside components characterized by the officials, investors or constitution of a company, just as to outside powers, for example, purchaser gatherings, customers, and government guidelines. A very much characterized and implemented corporate administration gives a structure that, from a certain perspective, works to support everybody worried by guaranteeing that the undertaking sticks to acknowledged moral measures and best practices just as to formal laws. Keeping that in mind, associations have been shaped at the local, national, and worldwide levels. Hazard the board factors are utilized to oversee Corporate Governance Risk. Money related Risk As per Wikipedia.org, The hazard that an organization or undertaking won't have satisfactory income to meet budgetary commitments; in this manner making the business petition for financial protection. Budgetary hazard is the extra hazard an investor bears when an organization utilizes obligation notwithstanding value financing. Organizations that issue more obligation instruments would have higher money related hazard than organizations financed generally or totally by value. Reciprocal deal can rely on a shared incident of needs. Before any exchange can be embraced, each gathering must have the option to flexibly something the other party requests. To defeat this common incident issue, a few networks had built up an arrangement of mediators who can distribution center and exchange products. In any case, go-betweens regularly experienced money related hazard. 4. Conversation of Techniques and Methods Employed for Credit Rating 4.1 Analysis of Tescos Business Risk SWOT ANALYSIS OF TESCO PLC(For Definition and Explanation of SWOT Analysis please allude Appendix E) Swot Analysis of Tesco Qualities Expanding piece of the overall industry Protection Tesco on the web Brand esteem UK advertise initiative strengthened Openings Non-food retail Wellbeing and magnificence Further universal development (Source: Datamonitor) (1) Strengths (a) Sales Growth With the ongoing Global Financial Crisis (thusly alluded to as GFC) retail deals have fallen, however Tesco doesn't appear to be influenced as its business income developed by 10.92% in 2008 and 11.86% in 2009. (b) Market share Tesco still holds the biggest portion of the UK retail showcase. It keeps up this by continually differentiating into new parts and merging its current situation as a market head. (2) Weaknesses Tesco Finance benefit levels were affected through terrible obligation, charge card overdue debts and family protection claims. Tescos position as a value chief in UK markets can prompt discounted net revenues so as to hold the key value focuses on must have business things. Food merchant outlets are not set up to work as master retailers in explicit zones of item which can be gained by other littler bespoke retailers. Albeit worldwide business is developing and it is required to contribute more noteworthy adds up to Tescos benefit throughout the following scarcely any years. The organization is still exceptionally reliant on the UK advertise. (3) Opportunities The advancement of Tesco Direct through on the web and inventory shopping will develop the utilization of innovation, giving the platform to bigger non food based items with moderate to high edge returns and less spotlight on deals and edge per foot come back to space. Further worldwide development. (4) Threats Expanding remote trade presentation with worldwide development. Rising crude material expenses from both food and non food things will affect net revenues by and large. Consistent value wars between different retailers e.g ASDA, Sainsbury and WM Morrisons. (Source:businessteacher.org.uk) P.T.O (Please turn over) PESTLE ANALYSIS OF TESCO PLC TABLE( for clarification of PESTLE, kindly observe Appendix F) P E S T L E A N A L Y S I S O F T E S C O P L C Political Tescos natural development globally into nations in Europe, Asia and America implies it is affected by the political states of these nations. Tesco is dependent upon a wide assortment of guidelines in the various nations in which it works due to the differing idea of its business. Tesco might be affected by administrative changes in key zones, for example, arranging laws, exchanging hours, and expense governs just as by investigation by the opposition specialists. Tesco is affected in the UK by work enactments, for example, the lowest pay permitted by law necessity Conservative Financial variables and the condition of the economy influences Tesco, in light of the fact that these impact the business condition of activity, business desire for speculators and the utilization level of Tescos clients which all convert into the degrees of interest, gracefully, and evaluating of Tescos products and enterprises. The monetary elements have been believed to have caused the diminishing in benefit development rates being experienced by Tesco. Tesco has reacted to these issues by guaranteeing that its item variety methodology is maintained in the entirety of their stores. i.e having a similar item with fluctuating quality and cost for the distinctive objective markets in a similar store. Socio-Cultural Factors Tesco considers the decent variety of its clients regarding society and attempts to meet their

Legal Monopoly in the USA Essay Example | Topics and Well Written Essays - 500 words - 1

Legitimate Monopoly in the USA - Essay Example Kaufmann and Francis (17) mean that a legitimate syndication can take t government the type of an administration restraining infrastructure. An administration syndication is whereby the state controls and possesses a particular sort of industry or creation units. A genuine case of an administration restraining infrastructure is the Postal Service of the US (USPS). This association has a lawful and selective option to convey letters and sends to all the residents of the United States. This is independent of any district they are in America. Kaufmann and Francis (19) additionally recognize a legislature conceded restraining infrastructure for instance of a legitimate syndication. In this sort of restraining infrastructure, the different interests of the private segment are shielded from rivalry by laws of a state. Larson (26) signifies that exercises of government conceded restraining infrastructures are in every case continually directed for motivations behind guaranteeing that they don't misuse their clients. Larson (27) proceeds to indicate that a case of an administration conceded restraining infrastructure is the licensed creations. Larson (29) characterizes a patent for instance of a restricted restraining infrastructure, in which the holder of the patent is given a selective option to create, deal, and utilize the licensed innovation for a specific timeframe. The United States patent act spreads out the guidelines and the conditions to be met, for a person to be given a patent right by the United States government. Initially, this law was ordered by the congress to secure the developments of American creators, and give them a selective directly over the utilization of their revelations. This is contained in article 1, under segment 8, and statement 8. Larson (32) proceeds to mean that the principle point of conceding patent rights is to urge financial specialists to contribute their assets and time for motivations behind structure new revelations and developments which are helpful to the country.â

Free Essays on Anne Frank

Anne Frank Anne Frank was conceived in Germany not long before WWII. She was a youthful Jewish young lady who shrouded away for a long time in a storage room in Amsterdam during the Holocaust. Her story is celebrated in light of the fact that her journal recounts to a tale about her family during WWII. Anne Frank had a normal youth. She was conceived on June 12, 1926 into a caring group of four, her dad Otto, mother Edith, and sister Margot. Anne went to the Montessori School and had numerous companions as a kid. Much the same as some other kid, Anne had numerous deepest desires for what's to come. She longed for one day turning into a celebrity or a creator. Anne Frank had a youth simply like most offspring of her time. As Anne got more seasoned, Germany started to get perilous for Jewish individuals. Anne and her family had to move from their home in Germany to Amsterdam where things were a lot more secure. At her new home, Anne went to a school for Jewish youngsters in particular, which was totally different from her old fashioned. Starting there on in her life things in Amsterdam started changing for the more regrettable. Not the same as the majority of her adolescence, Anne’s young years were not lovely. At thirteen years old she and her family, alongside six different Jews, had to conceal away in an upper room away from Nazi control. For two long years Anne kept a journal, which she called â€Å"Kitty†. In her journal she expounded on her life sequestered from everything. She advised about her family’s battle to remain calm during the day with the goal that they would not be heard. Concealing ceaselessly in the upper room for a long time was very hard for Anne, now and again she even felt like she needed to head outside and go around. Following two years of concealing endlessly, Anne and the others that covered up in the upper room with her were found and taken into Nazi principle. After being gotten Anne, presently fifteen and her sister Margot were isolated from the remainder of the gathering. Anne and Margot had to accomplish work with little food and brutal treatment in numerous inhumane imprisonments. Whi... Free Essays on Anne Frank Free Essays on Anne Frank Anne Frank Anne Frank was conceived in Germany not long before WWII. She was a youthful Jewish young lady who concealed away for a long time in an upper room in Amsterdam during the Holocaust. Her story is acclaimed in light of the fact that her journal recounts to an anecdote about her family during WWII. Anne Frank had a normal adolescence. She was conceived on June 12, 1926 into a caring group of four, her dad Otto, mother Edith, and sister Margot. Anne went to the Montessori School and had numerous companions as a youngster. Much the same as some other youngster, Anne had numerous deepest desires for what's to come. She longed for one day turning into a celebrity or a creator. Anne Frank had a youth simply like most offspring of her time. As Anne got more established, Germany started to get hazardous for Jewish individuals. Anne and her family had to move from their home in Germany to Amsterdam where things were a lot more secure. At her new home, Anne went to a school for Jewish youngsters in particular, which was altogether different from her old fashioned. Starting there on in her life things in Amsterdam started changing for the more awful. Not the same as the majority of her youth, Anne’s young years were not exceptionally wonderful. At thirteen years old she and her family, alongside six different Jews, had to shroud away in an upper room away from Nazi control. For two long years Anne kept a journal, which she called â€Å"Kitty†. In her journal she expounded on her life secluded from everything. She advised about her family’s battle to remain calm during the day with the goal that they would not be heard. Concealing endlessly in the loft for a long time was very hard for Anne, now and again she even felt like she needed to head outside and go around. Following two years of concealing ceaselessly, Anne and the others that stowed away in the storage room with her were found and taken into Nazi guideline. After being gotten Anne, presently fifteen and her sister Margot were isolated from the remainder of the gathering. Anne and Margot had to accomplish work with little food and cruel treatment in numerous death camps. Whi...

No god but God

Reza Aslan’s book, ‘No god But God’, is a complete recounting the story and the historical backdrop of one of the significant religions on the planet today. Experiencing the 352 pages of the book, even an individual who had no information on Arabia’s pre-Islamic history, no recognition with Islamic ascent, and no past appreciation of the different lessons and philosophical variables, is an incredible encounter of investigation in the realm of Islam and the Muslim method of thought. What makes this book one of a kind is that it interfaces huge numbers of what is happening in the Islamic world with the most recent occasions concerning fear based oppression and activist Islamic gatherings in better places of the world. Realizing that Aslan is a Muslim who earned various degrees in Religions and Arts in the United States gives us a thought regarding the measure of data that every peruser can acquire. All through the book, the peruser is being guided by an insider who is proficient in what concerns all the related components. Furthermore, from the opposite side, this can be another part in featuring the way that the book is written in a manner that is straightforward and that is totally comprehendible. Substance AND THOUGHTS The writer of the book starts by clarifying the reasons that drove him to compose the book and to make such a volume about Islam. He clarifies that the fundamental explanation isn't to experience the history and present clashes inside the religion, yet to endeavor to anticipate its future and how it will develop. â€Å"This book isn't only a basic reconsideration of the roots and development of Islam, nor is it simply a record of the present battle among Muslims to characterize the eventual fate of this radiant yet misconstrued confidence. This book is, to the exclusion of everything else, a contention for reform†Ã¢ â (Prologue). The book is partitioned into ten unmistakable areas; every one experiences a specific phase of the birth and advancement of the religion. What's more, in a significant number of these parts, many direct references and clarifications are made concerning occasions that we see today and their root and effect on the Muslim universe of today corresponding to an assortment of subjects. The primary area of the book ‘The conflict of monotheisms’, is an early on part in which the writer expresses the reasons that drove him to composing the book. He expresses that Islam isn't, as some case, a vicious religion that can't exist together with current estimations of majority rule government and human rights. â€Å"A scarcely any very much regarded scholastics conveyed this contention further by recommending that the disappointment of vote based system to rise in the Muslim world was expected in huge part to Muslim culture, which they guaranteed was naturally inconsistent with Enlightenment esteems, for example, radicalism, pluralism, independence, and human rights. It was along these lines just a question of time before these two extraordinary human advancements, which have such clashing philosophies, conflicted with one another in some calamitous way. What's more, what better model do we need of this certainty than September 11?† (Prologue). He asserts, rather, that specific conditions were the motivation behind why the Muslim world is such a great amount behind in these fields. In the main part of the book, ‘The haven in the desert: pre-Islamic Arabia’, the peruser can for all intents and purposes live through the conditions and occasions that were occurring in Arabia before the rise of the religion. Here we find numerous signs to the way that, in opposition to the truth of today, the Arabian Peninsula was populated by the devotees of numerous religions: Jews, Christians, and others. â€Å"It is here, inside the confined inside of the asylum, that the lords of pre-Islamic Arabia dwell: Hubal, the Syrian lord of the moon; al-Uzza, the amazing goddess the Egyptians knew as Isis and the Greeks called Aphrodite; al-Kutba, the Nabataean divine force of composing and divination; Jesus, the manifest divine force of the Christians, and his blessed mother, Mary† (Aslan 3). What's more, in reference to the Jewish people group the creator states: â€Å"The Jewish nearness in the Arabian Peninsula can, in principle, be followed to the Babylonian Exile a thousand years sooner, however ensuing movements may have occurred in 70 C.E., after Rome's sacking of the Temple in Jerusalem, and again in 132 C.E., after the messianic uprising of Simon Bar Kochba. Generally, the Jews were a flourishing and profoundly persuasive diaspora whose culture and customs had been completely coordinated into the social and strict milieu of pre-Islamic Arabia† (9). The accompanying three parts, ‘The attendant of the keys: Muhammad in Mecca’, ‘The city of the prophet: the first Muslims’, and ‘Fight in the method of God: the significance of Jihad’, give the peruser a top to bottom explanation about how Islam sprung up, from the earliest starting point of the narrative of the prophet of Islam, Muhammad, his life before perceiving the crucial he was set to achieve and the different occasions that formed the time of the start of the new religion and how the Muslim adherents, including the prophet himself, were treated by the individuals of their clan and all the conditions that drove the Islamic state to be built up in Medina rather than Mecca, the first city of the prophet. What is intriguing in this book is that it makes, during the recounting the story, references to numerous things that we see today in the Muslim world. One of the instances of this is the reference made to the narrative of the Hijab or the Islamic garments and head front of Muslim ladies, which has turned into a recognizing normal for Muslim ladies today. It is amazing to discover that the entire thought isn't brought by the Quran or the first Islamic lessons: â€Å"Although since a long time ago observed as the most unmistakable image of Islam, the cloak is, shockingly, not ordered upon Muslim ladies anyplace in the Quran. The custom of veiling and separation (referred to together as hijab) was brought into Arabia some time before Muhammad, essentially through Arab contacts with Syria and Iran, where the hijab was an indication of societal position. All things considered, just a lady who need not work in the fields could stand to stay segregated and veiled†¦ the cover was neither mandatory, nor so far as that is concerned, broadly embraced until ages after Muhammad’s passing, when a huge assortment of male scriptural and legitimate researchers started utilizing their strict and political position to recover the predominance they had lost in the public eye because of the Prophet’s libertarian reforms† (65-66). The following section, ‘The properly guided ones: the replacements to Muhammad’, experiences the occasions that occurred after the demise of the prophet, and how clashes showed up on the progression in what concerns the situation of Islamic pioneer of Caliph, or replacement. The 6th section, ‘This religion is a science: the advancement of Islamic religious philosophy and law’, is the one that contains the vast majority of the data about the lessons, the legends, the diverse philosophical perspectives, and the different ceremonies that make up the religion. Here, the peruser will have a thought regarding the various ways of thinking. The accompanying part, ‘In the strides of saints: from Shi’ism to Khomeinism’, presents the account of how the Shi’ite Muslim faction showed up because of the killing of Ali, the fourth Caliph after Muhammad and the political and strict results of this appearance that we can find in our present reality. It relates the new factors of confidence that were brought into Islam by the Shi’ite order and how those elements were continually being utilized by wants and wishes of the pioneers, for example, Kommeini in what concerns present day Iran. Next, the part ‘Stain your supplication floor covering with wine: the Sufi way’ is a depiction of another group of Islam, which is Sufism. It experiences huge numbers of the various ideas that Sufis utilize and have faith in which are totally not the same as those of standard Islam and Shi’ite Islam. The ninth part, ‘An arousing in the east: the reaction to colonialism’, discusses the impacts of European expansionism on Muslim nations and how it was confronted: â€Å"the patriots tried to fight European imperialism through a mainstream countermovement that would supplant the Salafiyyah's goal of strict solidarity with the more down to business objective of racial solidarity: as it were, Pan-Arabism† (Aslan 233) The last section, ‘Slouching toward Medina: the Islamic reformation’, examines the foundation of the Muslim states after the finish of expansionism. An intriguing thought that the creator presents in this part is the examination between the changes that occurred inside the Christian history which drove Christian social orders to move towards vote based system, human rights, and pluralism and the conditions that are being molded today inside Islamic social orders. What's more, he expresses that Islamic social orders may need to experience brutal and incredibly unstable conditions before arriving at the last wanted goal that others in the Western world came to. As indicated by the creator, there is a continuous battle occurring in the Muslim world between the powers of conventional strict convictions and those that need to move their social orders into the cutting edge establishments of majority rule government and human right. He expresses that â€Å"in the creating capitals of the Muslim world †Tehran, Cairo, Damascus, and Jakarta †and in the cosmopolitan capitals of Europe and the United States †New York, London, Paris, and Berlin †where that message is being re-imagined by scores of first and second era Muslim outsiders. By consolidating the Islamic estimations of their predecessors with the vote based beliefs of their new homes, these Muslims have formed†¦ a ‘mobilizing force’ for a Muslim reorganization that, following quite a while of stony rest, has at last awoken and is presently slumping t

Visual Learning with Mind Mapping (Guide)

Visual Learning with Mind Mapping (Guide) This is a guest post by  Jesse Berg, MSIT, M.Ed. Jesse  is the author of Visual Leap: A Step-by-Step Guide to Visual Learning for Students and Teachers  and a  former teacher, instructional technologist, and educational speaker. Connect with Jesse on Twitter via @visualleap.   Mind mapping is often considered a visual learning strategy for brainstorming or visualizing ideas, but it is actually far more than that. The value of mind mapping goes beyond simple webbing done in elementary school. It is a universal thinking strategy; a way to organize ideas and learn just about anything. As I explain in my book, Visual Leap: A Step-by-Step Guide to Visual Learning for Teachers and Students, the reason mind mapping works so well is because it matches how people naturally think which is not how most people are taught.   In this article, I offer a breakdown of the  cognitive learning theories  behind how the visual learning technique, mind mapping, can assist learners. I also provide 8 template mind maps, which you can take straight to the classroom. Why is Visual Learning So Useful for Learners? For teachers and students, mind mapping offers a fundamentally different way to work with information. For most of our lives, we are asked to learn information that is presented in a linear form. Lectures, videos and textbooks all present information in orderly linear ways with a beginning, middle and end.  This is excellent for delivering information, but synthesizing and integrating new information the key to deep learning requires very different cognitive processes. This is where visual learning and mind mapping come in. Mapping allows students to capture ideas and integrate content in no fixed or prescribed order, and in ways that use multiple senses. When mapping an idea, a person can skip around from topic to topic, but rather than leading to confusion, mind mapping provides  an effective way to capture thinking as it happens. Using our visual, spatial and kinesthetic senses, mind mapping allows people to build a visual model of a concept and organize that information logically. Mind mapping lets learners interact with ideas like puzzle pieces. This allows them to see ideas develop and reflect on their thinking as ideas take shape.  Interacting with ideas by moving them around visually and spatially gives learners an authentic and self-directed method to work with information and construct new knowledge. The definition of metacognition is a  reflection on one’s own thinking, and mind mapping creates an environment where this naturally occurs. Mind mapping is a uniquely elegant learning strategy because it seamlessly integrates linear, convergent (left-brain) thinking with divergent, non-linear (right-brain) thinking. This visual learning strategy effectively engages the whole mind in processing and analyzing new information. By engaging the whole mind in learning, mind mapping makes learning easier. Whether individuals consider themselves to be visually oriented learners or not, mind mapping provides the ideal framework to develop ideas.  It can be used for note taking, writing, reading comprehension, presenting, comparing, review, analysis and much more. Teachers who explore mind mapping as an instructional strategy will be surprised by the countless ways to integrate this universal visual learning strategy. Cognitive learning theories justify mind mapping in education, but your students’ response to the method is the most important proof you will need.   Don’t take my word for it. Test mind mapping for yourself. Experiment with non-linear thinking in your classroom. Provide students with a new framework in which they can see their ideas develop. How to Start Mind Mapping in Class There are myriad ways to integrate mind mapping into teaching and learning. To start, try using mind mapping as a way to assess the prior knowledge of your class. Have students map out what they already know about the topic you are about to teach. For young students, try mapping a simple topic like “pets.” For older students beginning a unit on World War II, for example, use that topic as a main idea to develop. As students build visual maps, they will see how their initial ideas fit into a larger picture of the lesson or unit. As the unit covers more content, continue to build on your maps to reflect acquisition of new knowledge. Teachers and learners alike will gain a  deeper understanding of the content by seeing how information fits together as a whole. Plus, using mind maps this way is one of the best ways to clearly show the growth and learning that transpired from the beginning of a unit to the end. Mind maps are beneficial in any subject. They can demonstrate what teachers aim to achieve in a lesson or term, they can be integrated into classes as teacher-led activities and students can create their own. Below are a few examples of how to use mind maps as a visual learning strategy in education. Go ahead and use these in your own classroom, or use them as a springboard from which to make your own: Character web (ELA) Your browser is not able to display frames. Please visit Character Analysis Web (i.e. Calamity Jane) on MindMeister. Summary web (ELA) Your browser is not able to display frames. Please visit Summary Web on MindMeister. Persuasive essay (ELA) Your browser is not able to display frames. Please visit Persuasive Essay on MindMeister. Article comparison (ELA) Your browser is not able to display frames. Please visit Article Comparison on MindMeister. Event analysis (SS) Your browser is not able to display frames. Please visit Event Analysis on MindMeister. Lab report (Science) Your browser is not able to display frames. Please visit Lab Report on MindMeister. Classification (Science) Your browser is not able to display frames. Please visit Classification on MindMeister. Textbook note taking (Study skills) Your browser is not able to display frames. Please visit Textbook Chapter on MindMeister. Teaching your students how to learn Mind mapping offers students a bold new way to think critically, analyze information, and see their ideas develop. It allows students to use their creativity to think in a way that matches how they naturally process information. As one recent High School graduate said after a workshop on mind mapping: “I always felt that I was slower than the other kids, that I was dumb. Now I feel like I can go to college.” Mind mapping gave him a powerful learning strategy and newfound academic confidence. It unlocked his mind.  This student’s experience demonstrates how mind mapping can transform the lives of students by providing them with a new way to learn. If this big, easy method impacts your students as it has impacted me and mine, then teaching this skill will be among the greatest services you can deliver as a teacher. It will prepare your students to be independent thinkers, problem solvers and lifetime learners capable of solving the surprises of an uncertain future. If you teach your students how  to learn with this visual learning technique, you will provide them with a tool for lifetime success. Introduce mind mapping in your classroom for Education From $1 per student! for Education

Assessing calculates Dividend Payouts Essay Example Pdf - Free Essay Example

In this scenario, we are assuming that the company pays out all of its $889,000 net income after tax as dividends; thus, classified as fully franked dividends. Also, due to the absence of investment allowance (which permits businesses to deduct a specified percentage of certain capital costs from their taxable income) and other investment allowances specified under tax law, the companys taxable income is the same as its accounting net income. Pearls Pty Ltd has a net income after tax of $889,000 that could be paid out as dividends to the shareholders, A (55%) and B (45%); therefore, each shareholder will receive a cheque for the following dividend amounts that are fully franked. Pearls Pty Ltd: Fully Franked Dividend Payments A: $488,950 (i.e. $889,000 x 55%) B: $400,050 (i.e. $889,000 x 45%) Total $889,000 (= company net income after tax) Pearls Pty Ltd: Imputation Credits A: $209,550 (i.e. 55% x $381,000 company income tax) B: $171,450 (i.e. 45% x $381,000 company income tax) Total $381,000 (= income tax paid by the company on its net income of $381,000 Alternatively, Imputation Credit = Fully franked dividend x Company tax rate 1 Company tax rate As imputation credit = $488,950 x 30% 1-0.30 = $209,550 Bs imputation credit = $400,050 x 30% 1-0.30 = $171,450 Shareholder A will receive a dividend payment of $488,950 with an imputation credit of $209,550 whereas Shareholder B will receive a dividend payment of $400,500 with an imputation credit of $171,450. (b) The Australian dividend imputation system eliminates the double taxation of dividends wherein fully taxed company profit distributed as dividends is effectively taxed only once at shareholders marginal tax rate, a stark contrast to the classical tax system. When a dividend is paid out of corporate profits that have been taxed at the statutory corporate tax ra te, the shareholder receives the cash dividend plus an imputation tax credit which can be used to offset personal income tax obligations. In other words, the shareholder is able to reduce the tax paid on the dividend by an amount equal to the tax imputation credits. Basically, taxation of dividends has been partially paid by the company issuing the dividend. The net effect of the imputation process once dividends are distributed by the company is for income tax to be levied on the net income earned by a company at the shareholders marginal personal tax rates. Although the dividend imputation system does lower the overall tax rate, the system describes that the amount of income tax payable by a company on its net income will not change the after-tax wealth of its shareholders. Dividend imputation system may also encourage domestic business investment by reducing the cost of capital for domestically owned companies. Consequently, companies would withhold tax on profits as it lev els the cost of financing a business with debt, on which interest is deductible, and equity. Thus, this increases company income tax revenues. Also, imputation brings integrity benefits as the benefit to companies and their shareholders encourages the anti-avoidance of income tax. However, imputation tax credits are of no direct value to non-resident shareholders who have no Australian personal tax obligations. Thus, dividends paid to foreign shareholders will be taxed twice as company income tax and by shareholders home country as tax on dividend income and vice versa. From the perspective of Australian companies, the non-creditability of foreign taxes may increase the required return for offshore investment, discouraging such investments and encouraging a domestically-oriented investment focus. Thus, this creates biasness against investment in an internationally orientated Australian company or in a foreign company. Finish answer Question 2 (17 marks) Joanna Pickford has been working with ABC Bank for a year and has just been promoted to junior financial adviser. Her first client wants to set up a savings account to accumulate $30,000 for a new car and the client can deposit $200 each fortnight from his salary into the account. ABC Bank currently pays interest on its savings accounts at a daily compound rate of 4.0% p.a. Joanna worked out that with depositing $5,200 (26 x $200) into the account each year it would take the client 5.29 years (30,000 FV, 5,200 +/- PMT, 4 i COMP n) to reach his target. As there are 26 fortnights in a year this would be equivalent to 137.5 fortnights so she told the client that he would have to make 137 fortnightly deposits of $200 and a final deposit of $100 (0.5 of $200) one fortnight later. Do you agree with Joannas calculations? Explain why. If not, how long will it take the client to reach his savings target and how much should the last deposit into the account be? Start answer Question 2 a) According to Joannas calculation: PMT = $200 N = 137 I/Y = 4%/26 = 0.153846154% Additional = $100 Using Financial Calculator: 200 +/- PMT 137 N 0.153846154 I/Y 100 +/- PV 1 N 0.153846154 I/Y COMP FV giving $30,475.57 COMP FV giving $100.1538 FV = $30,475.57 + $100.15 = $30,575.72 Note: The future value of final deposit of $100 should also be calculated with reference to the interest rate and compounding periods. Based on the computation above, Joannas calculation is incorrect as the client will accumulate $30,575.72 which is greater than what the client wanted ($30,000). This is due to incorrect calculation of compounding periods (which will be calculated in part (b)). b) i) Every fortnight: PMT = $200 FV = $30,000 I/Y = 4%/26 = 0.153846154% N = ? 30,000 FV 200 +/- PMT 0.153846154 I/Y COMP N giving 135.0693802 periods Based on the computation above, the correct compounding periods would be 135 fortnights. Therefore, her client would need to deposit $200 for 135 fortnights or 5.192 years (135/26). ii) PMT = $200 I/Y = 4%/26 = 0.153846154% N = 135 FV = ? 200 +/- PMT 0.153846154 I/Y 135 N COMP FV giving $29,982.94 Therefore, the 135th fortnightly deposit would bring the future value to $29,982.94 $30,000 $29,982.94 = $17.06 Based on the computation above, the remaining final deposit into the savings account should be $17.06 one fortnight later to achieve his savings target of $30,000. Finish answer Question 3 (11 marks) Kym Baker had a HECS liability of $12,500 at the end of the year in which he finished his degree. The HECS debt accumulates interest at a rate equal to the inflation rate, which was 1.25% per annum over the first year after he graduated and 0.35% for the following year. At the end of the second year after graduation Kyms annual taxable income has increased to $29,000 and he is required by the tax office to pay an amount equivalent to 1% of his annual taxable income to reduce his HECS debt. How much HECS does Kym owe at the end of the second year after graduation after making payment for that year to the Tax Office? Draw appropriate time-line(s) to demonstrate your calculations. Start answer Question 3 End of First Year After Graduation: I/Y = 1.25% pa PV = $12,500 N = 1 12,500 +/- PV 1.25 I/Y 1 N COMP FV giving $12,656.25 Second Year After Graduation: I/Y = 0.35% pa PV = $12,656.25 N = 1 12,656.25 +/- PV 0.35 I/Y 1 N COMP FV giving $12,700.55 Payment = $29,000 x 1% = $290 Balance = $12,700.55 $290 = $12,410.55 Repayments = $290 Balance = $12,410.55 Interest p.a. = $156.25 Interest p.a. = $44.30 $12,500 $12,656.25 $12,700.55 t=0 t=1 t=2 Year Payment Principal Interest Loan 0 $12,500 1 $156.25 $12,656.25 2 $290 $245.70 $44.30 $12,410.55 Finish answer Question 4 (20 marks) Mr. Rupert Temby has borrowed some funds to buy a new Hi-fi system from a reputable electrical retailer. The electrical retailer has an associated finance company, Ezy Credit who has provided Mr. Temby with the following finance options to pay for the Hi-fi system; Option A: A lump sum in 10 years from today, or Option B: $500 in 5 years time with a further $1,000 payable in 15 years time. Mr. Temby believes that he could earn a return of approximately 6% p.a. on any savings he would have by not being required to pay for the Hi-fi system today. Required : Determine and justify to Mr. Temby the maximum amount that he should pay for Option A. (7 marks) Mr. Temby has now received further advice from Ezy Credit that instead of the lump sum in 10 years time (Option A) or the instalment payments after 5 and 15 years as previously indicated (Option B), they would be willing to accept a payment today of $850. Should Mr. Temby accept this offer? Justify your response. (8 marks) What important assumptions are you making in your answers to a) and b) above which should be discussed with Mr. Temby to ensure that you have given him appropriate advice so that he can readily understand the consequences of any decisions made based on your calculations? (5 marks) Start answer Question 4 a) At 10th year, PV = $ At 10th year, FV = $ $500 $1000 t=0 t=5 t=10 t=15 From Option B ($500 in 5 years with a further $1,000 payable in 15 years), the future value of this option would be the same as the maximum future value of the lump sum of Option A at 10th year in accordance to the timeline described above. PV = 500 N = 5 I/Y = 6% 500 +/- PV 5 N 6 I/Y COMP FV giving $ 669.11 FV = 1000 N = 5 I/Y 6% 1000 FV 5 N 6 I/Y COMP PV giving $ 747.26 $669.11 + $747.26 = $ 1,416.37 Therefore, the Option As maximum amount Mr. Temby should pay in 10 years is $ 1,416.37. b) The third options present value is found, as at today which is also known as time period 0. In other words, PV0 = $850. Therefore, to be comparable with third option, Option A and Bs present value must also be expressed at time zero. Option A (A lump sum in 10 years from today): The present value is calculated as below: FV = 1,416.67 I/Y = 6% N = 10 1,416.67 FV 6 I/Y 10 N COMP PV giving $ 791.06 Therefore, the present value of the lump sum of Option A is $791.06. Option B ($500 in 5 years time with a further $1,000 payable in 15 years time): The present value is calculated as below: 1st 5 years: Next 10 years: FV = 500 FV = 1000 I/Y = 6% I/Y = 6% N = 5 N = 15 500 FV 6 I/Y 5 N 1000 FV 6 I/Y 15 N COMP PV giving $373.63 COMP PV giving $417.27 $373.63 + $417.27 = $790.90 The present value of the instalment payment of Option B is $790.90. No, Mr. Temby should not accept the third option wherein he is allowed to pay $850 now to clear his debt. This is unacceptable because the present value from Option B of $790.90 is a cheaper option as compared to the present value of $850 for the third option. c) Assumptions: Individuals have time preference for money due to: Risk Preference for consumption Investment Opportunities Finish answer Question 5 (9 marks) You have just won the Golden Basket lottery which gives you the choice of your prize being either a house and land package with a current market value of $500,000 or receiving cash totalling $600,000 paid in three instalments of $200,000, $150,000, $250,000 respectively. If you choose the cash alternative the first of amount will be paid to you at the end of two years from todays date and the next and subsequent amount will be paid at the end of 3 years from the date of the previous instalment. If you use the nominal rate of 6.5 percent per annum that currently applies for a monthly repayment housing loan as your time value of money, use appropriate calculations to determine whether you should accept the house and land package or the cash instalment alternative. Draw appropriate timeline(s) to demonstrate your calculations. Start answer Question 5 Time Lines: House and Loan Package $500,000 t=0 t=2 t=5 t=8 Cash Instalments: The first instalment will be paid in year 2. The next one will be after 3 years and so in year 5 and the last one after another 3 years. So, in year 8, the time line would be: $200,000 $150,000 $250,000 t=0 t=2 t=5 t=8 In order to make the decision, we would need to compare the present value of the two options the land and house package is given now at present value of $500,000. For the instalments, we would need to discount the cash flows to get the present value. The interest rate is given as 6.5%. This is with monthly compounding as it is applicable to monthly repayments. We would need to calculate the effective annual rate as the cash flows are on yearly basis. Effective annual rate = (1 +j/m)m 1 = (1+6.5%/12)12 1 = 6.6972% 0 ENT 0 ENT 200,000 ENT 0 (x,y) 2 ENT 150,000 ENT 0 (x,y) 2 ENT 250,000 ENT 2ndF CASH 6.6972 ENT ? COMP giving $432,993.47 Therefore , we should accept the house and land package as it has a higher present value ($500,000) as compared to the cash instalments present value at $432,993.47 Finish answer Question 6 (26 marks) You have some money to invest for 12 months and are considering purchasing shares in the retail sector. After reviewing the historical performance and future prospects for Elite Jewellery Ltd. and So Lo Supermarkets Ltd, you have prepared the following information that you will use for your investment decision: Elite Jewellery Ltd So Lo Supermarkets Ltd Current share price $9.00 $11.60 Current EPS $1.20 0.90 Current Beta 0.85 0.60 Elite Jewellery Ltd So Lo Supermarkets Ltd Probability of Return Likely Return over next 12 mths Probability of Return Likely Return over next 12 mths 0.15 -1% 0.10 1% 0.60 12% 0.40 7% 0.25 18% 0.30 10% 0.20 14% Other relevant information: Current risk free rate of return: 5% p.a. Long run average return on market portfolio: 12% p.a. Required: (a) Calculate the expected return (R*) and standard deviation (s) for each share. (9 marks) (b) Briefly explain the meaning of expected return and standard deviation and outline what your calculations indicate about a relationship between risk and return. (4.5 marks) Briefly outline in words that an average person in the street can understand the difference between standard deviation and beta as measures of risk. (3 marks) Calculate the return investors with a diversified portfolio should require from each share. (2 marks) With reasons based on your computations, in (a) and (d) above, provide a recommendation of which share (if any) you should purchase/not purchase. (3 marks) On the basis of your analysis in (e) above detail what you would expect to happen to the price of each share in the market. (2 marks) Briefly explain what is likely to occur, in relation to the risk exposure of your investment portfolio, as you increase the number of diversi fied investments in your investment portfolio. (2.5 marks) Start answer Question 6 a) Elite Jewellery Ltd E(R) = [P(R1) x R1] + [P(R2) x R2] + [P(R3) x R3] = (0.15 x -1%) + (0.60 x 12%) + (0.25 x 18%) = 0.1155 = 11.55% Standard deviation, s = aring; (R R )2 x P(R) = (11.55% -1%)2 x 0.15 + (11.55% 12%)2 x 0.60 + (11.55% 18%)2 x 0.25 = 5.84% Investing in Elite Jewellery Ltd is expected to provide a return of 11.55% with a riskiness of 5.84% So Lo Supermarkets Ltd E(R) = [P(R1) x R1] + [P(R2) x R2] + [P(R3) x R3] + [P(R4) x R4] = (0.10 x 1%) + (0.40 x 7%) + (0.30 x 10%) + (0.20 x 14%) = 0.087 = 8.7% Standard deviation, s = aring; (R R )2 x P(R) = (8.7% 1%)2 x 0.1 + (8.7% 7%)2 x 0.4 + (8.7% 10%)2 x 0.3 + (8.7% 14%)2 x 0.2 = 3.63% Investing in So Lo Supermarkets Ltd is expected to provide a return of 3.63% with a riskiness of 3.63% b) The expected return indicates the average return that we may expect to earn over the next 12 months where all possible outcomes are weighted by the probability that each will occur. The standard deviation serves as an indicator of risk and measures the weighted average of the deviations of the returns from the average (expected) value. Using a normal distribution we can assign probabilities. There would be 68% probability that the returns would be between +/- 1 standard deviation (the return may be 11.55% + 5.84% or 11.55% 5.84% for Elite Jewellery), 95.5% possibility that returns would be between +/- 2 standard deviation and 99.7% probability that returns would be between +/- 3 standard deviation. The risk is denoted by the standard deviation. The higher the standard deviation, the higher the risk since variability in return is higher. So we would expect to have a higher expected return where the standard deviation is higher. c) The difference is that standard deviation is a measure of the risk if a particular stock is the only stock in the investment portfolio. What this implies is that if we have only one stock in our investment, the standard deviation of the return is the measure of risk since it indicates the variability in return, that is how much more or less the actual return can be from the expected return. On the other hand, Beta is measure of risk in the portfolio context. If we have more than one stock in our investment portfolio, we should not look at standard deviation but the beta of the stocks. The reason is that the portfo lio return will be influenced by the expected return of individual stocks in the portfolio and also by the correlation between the returns. It may be possible that one stock has a higher return, whilst another stock has a lower return. The portfolio return would be close to zero and the variability would be less, hence reducing risk. d) As mentioned in point 3, for a diversified portfolio, the measure of risk is the beta, thus the expected return would be dependent on beta. We will use the Capital Asset Pricing Model equation to calculate the expected return. Rf = 5% Rm = 12% b EJ = 0.85 b SL = 0.60 Elite Jewellery Ltd E(R) = Rf + bEJ (Rm Rf) = 5% + 0.85 (12% 5%) = 10.95% So Lo Supermarkets Ltd E(R) = Rf + b SL (Rm Rf) = 5% + 0.60 (12% 5%) = 9.20% Therefore, the expected return for the diversified portfolio on Elite Jewellery Ltd and So Lo Supermarkets Lts is 10.95% and 9.20% respectively. (e) Based on the computation above, it is recommended that Elite Jewellery Ltd shares should be bought as it generates a higher expected return as compared to So Lo Supermarkets Ltd and the risk-free investment. Although higher returns are accompanied with a higher risk, it is assumed that we are interested in shares with the highest return. (f) (g) Finish answer