Every Country Economic Growth Is Depends Finance Essay - Free Essay Example

Sample details Pages: 3 Words: 953 Downloads: 1 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? Different writer was given different aspects about the bank. Now-a-days the modern bank has been performing number of functions; it has become very challenging to give an exact definition of a bank. There is some common and important used definitions of a bank are given below:- A commercial banker is a seller in money and substitutes for money, such as bill or checks of exchange. It also provides a variety of financial service. Don’t waste time! Our writers will create an original "Every Country Economic Growth Is Depends Finance Essay" essay for you Create order These finance companies have established to role in various areas such as hire purchase, housing, finance and leasing. These companies have also allowed doing the capital market transaction such as share buying and selling, portfolio management, custodial services and market making. when this bank was registered as a joint venture companies operation. Today the Bank is leading in a part of standard charted group and also this company has 75% of ownership with 25% shared purchased by the Nepalese public. The bank is having own enjoyment of having the largest share in their hand and status of big international bank currently operation in Nepal. financial company in the country. They opened 16 points of representation branch and 17 ATMs all over the country and they have 350 local staff in Standard Chartered Bank Nepal Ltd. They are providing good service for customer through a domestic network. In addition, through the global network of standard charted group, this gives the bank to do transaction in international banking in a Nepal country. This company makes the public to easy to do transaction domestic or internationally Nepal Investment Bank Limited (NIBL), previous NIBL was the name of Nepal Indosuez Bank Ltd. this bank was established in 1986 as a joint venture between French and Nepalese partners. The French partner was holding 50% capital of NIBL and was credit Agricole Indosuez., a subsidiary of one of the large banking group in the world. On April 2002 Agricole Indosuez was divest the mind the sell the shares and group of bankers, professional and some of the industrials and business man acquire the 50% of his share. Then after the name of bank has been changed Nepal Indosuez Bank Ltd to Nepal Investment Bank Ltd. From the general board meeting, Nepal Rastra Bank and Company Registered office with the following shareholding structure. The company group is holding 50% of the capital Rastriya Banijya Bank holding 15% of the Capital Rastriya Beema Sansthan is holding 15% of the capital. The remaining 20% of capital owned by general public Risk and uncertainty are an important part of an investment decision. General scenario, higher risk mean higher return. Risk is defined as Websters as a hazard; exposure to loss or injury. Thus, risk refers to the chance that some negative event will occur. It anybody engage in skydiving, such people are taking chance with his life skydiving is risky. In the most basic sense, risk is the chance of having a big financial loss or having big financial profit. Assets having greater chance of loss are representing a more risky than those with lesser chances of loss. More formally, the term risk is used interchangeably with uncertainty to refer to the variability of returns associated with a given asset. Risk in holding securities is generally related with the possibility that realized returns will be less than the returns that were expected. The source of such disappointment is the failure of dividends (interest) and / or the securitys price to materialize as expected. The market risk is known as the systematic risk. It related to the market as a whole and arises from the tendency of stock returns to fluctuate with the market returns. Systematic risk is that portion of total changeability in return affected by market factors that simultaneously affected the prices of all securities. It cannot be diversifiable away. Thus Beta measure non-diversifiable risk. Beta shows how the price of a security moves to the moves of market forces. In effect, higher beta means the market is high sensitive and low beta means the market is less sensitive. Beta is calculating by the help of relating the returns on security with the returns for the market. Beta can be positive or negative. But nearly all bets are positive. The word Research is composed of two syllables, re and search. The dictionary defines the former as a prefix meaning again, a new or over again and the later as a verb meaning to examine closely and carefully, to test and try, or to probe. Together they form a noun describing a careful, systematic, patient study and investigation in some field of knowledge, undertaken to establish facts or principles. (Grinnell 1993; 4) According to Grinnell: ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ÃƒÆ'†¹Ãƒâ€¦Ã¢â‚¬Å"research is a structured inquiry that utilizes acceptable scientific methodology to solve problems and creates new knowledge that is generally applicable.ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ÃƒÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¾Ãƒâ€šÃ‚ ¢(1993) and Lundberg (1942) draw a parallel between the social research process, which is considered scientific, and the process that we use in our daily lives. Research is one of the ways of collecting accurate, sound and reliable information about the effectiveness of your interventions, thereby providing you with evidence of its effectiveness. As service providers and professionals, we use techniques and procedures developed by research methodologists to consolidate, improve, develop, refine and advance clinical aspects of our practice to serve our clients better. Return on two perfectly correlated stocks, these two stocks would be moving up and down together and a portfolio consisting of two such stocks would be exactly the same as risky as the individual stocks. Most of the stocks are correlated with the risk, but not perfectly. On average the returns on two stocks would lie on the range of +0.4 and+0.75 under this condition combining stocks into portfolios reduce risk but does not eliminated

William Golding s Lord Of The Flies - 1151 Words

Man over Memory Can you precisely remember what happened to you exactly five years ago? The odds are that you cannot. If you have forgotten that, what else have you forgotten? Lord of the Flies is a book which places ordinary people in an unordinary situation. Schoolboys are stranded on an island in the middle of nowhere, alone. They quickly realize that having no adults means no rules. It is a novel of forgetfulness. Facts are suppressed, people are forgotten, and far too many are willing to look the other way. William Golding’s Lord of the Flies illustrates how man chooses to ignore unpleasant things through his characters’ obliviousness to the truth to demonstrate how mankind lives his entire life in denial because of his subconscious desire to preserve his own well-being. Man will ignore certain aspects of a person until the desire to survive forces him to acknowledge the truth. Roger is one of the choirboys on the island. After being relieved of fire duty, he heads to the beach where he sees some of the younger boys, littluns. Roger and Maurice kick over their sand castles, and one of the littluns, Percival, receives an eyeful of sand. Afterwards, Golding writes, â€Å"[Roger] sat there, crooning to himself and throwing sand at an imaginary Percival† (61). Roger has made his sadistic thoughts obvious through his actions, yet none of the boys do anything to reprimand him. That is only because they have yet to become the target of his actions. If something is not happeningShow MoreRelatedWilliam Golding s Lord Of The Flies1263 Words   |  6 PagesResearch Paper: Lord of the Flies William Golding, the author of Lord of The Flies, included adults for only a brief time throughout the novel, playing only a minor role at the end. The absence of adults exemplifies how children require the structure and guidance that only parents can provide, symbolically, how nations newly freed from the British Empire’s control would be better off under English colonial power to survive and maintain order before deteriorating into anarchy. The adults of theRead MoreWilliam Golding s Lord Of The Flies752 Words   |  4 Pagespossible, so a five year old who teases others to Adolf Hitler would be classified as perpetrators of evil. Lord of the Flies is a fictional story about a group of British boys who get stranded on island. The author of the novel Lord of the Flies, William Golding, showcases Zimbardo’s ideas in his story. Zimbardo did not form his theory Through the character development of Jack and Roger, Golding illustrates the intensity of evil when one is impacted by situational forces. Before Ralph and Piggy unifiesRead MoreWilliam Golding s Lord Of The Flies1869 Words   |  8 PagesEssay Outline – Unit 11 Introductory paragraph: Topic Sentence (includes the book title and author) The novel Lord of the flies by William Golding is a type of literature that revolves around an anti-war theme. Main Points that will be discussed in the essay presented in order of weakest to strongest: 1. Lord of the flies was written during WWII and one of the manifestations is the dead man in the parachute presumably a victim of a bombed plane. 2. Faction among the group which is similar toRead MoreWilliam Golding s Lord Of The Flies1282 Words   |  6 PagesWilliam Golding, the author of Lord of The Flies, included adults for only a brief time throughout the novel, playing only a minor role at the end. The absence of adults exemplifies how children require the structure and guidance that only parents can provide, this can be seen how nations newly freed from the British Empire’s control would be better off under English colonial power to survive and maintain order before deteriorating into anarchy. The adults of the novel can be seen as the motherRead MoreWilliam Golding s Lord Of The Flies1389 Words   |  6 PagesA response to Lord Of The Flies Imagine an airplane crash. The heat of flames scorch passengers’ backs in addition to the wind burning their faces. Lucky, this crash was over water and near an island so most passengers survive, with an exception of the airplane staff and the pilot. Even though alive, many are in fits of fear and panic, and others are in shock. After hurried deliberation, a lone member of the group is elected leader in hopes that they will calm the panic, and make the hard, but necessaryRead MoreWilliam Golding s Lord Of The Flies1315 Words   |  6 PagesWilliam Golding’s novel Lord of the Flies was set somewhere on the timeline of World War Two, a war between the Axis and the Allies lasting from 1939 until 1945. Although WWII was fought between many countries in the Pacific and Europe, the main contender was Germany, led by Adolf Hitler. Hitler and his followers, the Nazis, changed the lives of everyone when they attempted to strengthen Germany and brought out all the evil and ugli ness in the world. After WWII, nothing would be able to change theRead MoreWilliam Golding s Lord Of The Flies886 Words   |  4 Pageshow to live their lives not knowing what s right or wrong. Everyone has a different opinion towards different things. Some say gun laws should be banned while some say they want a gun in their house. In Lord of the Flies by William Golding there are clear aspects of leadership shown within the characterization between Jack and Ralph. I m chief, said Ralph, because you chose me. And we were going to keep the fire going. Now you run after food- (Golding 150). There is evident conflict between theRead MoreWilliam Golding s Lord Of The Flies1672 Words   |  7 Pages The Different Social Cognition of the Similar Stories — Synthesis essay of Lord of the Flies Final Project With the development of British culture, the format of Desert Island Literature has an inevitable connection with the geographical and culture heritage of the development of British history. Generally speaking, the setting of such literature is basically around an isolated island which is far from human society. The characters usually follow a primary lifestyle so that illustrate the courageRead MoreWilliam Golding s Lord Of The Flies1745 Words   |  7 Pages1954 novel, Lord of the Flies by Nobel Prize-winner William Golding is a dystopian allegory indicative of vast aspects of the human condition. Set in the midst of a nuclear war, the text details a group of marooned British school boys as they regress to a primitive state. Free from the rules and structures of civilisation and society, the boys split into factions - some attempting to maintain order and achieve common goals; others seeking anarchy and violence. The novel is based on Golding’s experienceRead MoreWilliam Golding s Lord Of The Flies1776 Words   |  8 PagesMaybe the beast is us (Golding 85), in the novel, Lord of the Flies, by author William Golding, Golding uses the entire book as social commentary. The social aspect he focuses on is man’s ability to be evil and destructive. William Golding uses three specific literary devices to convey this idea; characterization, diction and symbolism. Lord of the Flies explains man s capacity for evil which is revealed in his inherent human nature, which he cannot control or ignore. The hidden evil within

Who Needs A Father - 1869 Words

Who Needs a Father? There is not a clear cut way to raise a child as a father, but society has seemed to diminish the importance of being one. The number of single-parent households are at a record high, and the mother is often stuck with the children receiving little if any child support from the father. Fathering is more than a job, it is a lifelong commitment which many males have lost sight of. According to the 2006 Census, twenty-three percent of children under eighteen do not live with their biological father and the number is climbing. The definition of the word â€Å"family† is changing constantly, but it is clear that fathers make a huge impact on their child’s life (Hartwell-Walker, 2013). Statistically speaking, a father in the household is seen as a good thing, but what does being an involved father actually consist of and how does child maltreatment happen? Fathers are not all the same, and there are a variety of ways to be an effective father utilizing different forms of childrearing. Understanding what makes a father effective is beneficial for both the child and the parent(s). Men are not always educated on the importance and irreplaceable role they play in a child’s life. Some men view themselves as an â€Å"extra set of hands† around the house, and do not hold high enough value on their ability to nurture and care for their child. It is critical to educate men on the importance to invest into the family instead of diminishing the importance of their role. ThereShow MoreRelatedPaternity Leave : A Right For All Male Workers903 Words   |  4 Pagesabsence from work granted to a father after or shortly before the birth of his child. Usually, pregnan t women who are nearly due for delivery are able to take parental leave from their employment, what about men? Shouldn’t they have the ability to go on leave for the birth of their children? Paternity leave should be granted for male workers for many reasons. This essay will consider some of those reasons, such as if the partner is not well after the birth of the child, needs care and supervision or ifRead MoreA Boy Growing Up Without A Father1432 Words   |  6 Pagesgrowing up without a father has an additional obstacle to overcome†. (Wylie and Delgado, page 644). A boy growing up without a father already has an obstacle to overcome because clearly he must face all of the various issues that surface when being raised without a father figure in his life. What negative influence does the lack of a father figure have on young boys growing up? Statistics show that young boys who are raised in a home without their father or without a father figure are very capableRead Mor eDeath Of A Salesman By Arthur Miller844 Words   |  4 Pagesunderstanding on reality. These changes come from seeing the truth about his father, Willy Loman. The acts of Willy Loman altered the way Biff Loman perceived not only the world, but his father. The false guidance Willy gave Biff also led to Biff not having the easiest life after high school. Biff s concept that being well liked in society is what made you successful is shattered, when he ultimately finds out that his father is just the opposite. The reader can note in many flashbacks that WillyRead MoreEssay about I Wanted to Share My Father’s World580 Words   |  3 Pagesparenthood is on the rise in homes today, children still often have a father role in their life. It does not matter who the part is filled by: a father, uncle, older brother, grandfather, etc...; in almost all cases, those relationships between the father (figure) and child have lasting impacts on the youth the rest of their lives. In â€Å"I Wanted to Share My Father’s World,† Jimmy Carter tells the audience no matter the situation with a father, hold onto every moment. As Carter opens the poem, he tellsRead MoreFathers Rights622 Words   |  3 PagesApril 6, 2011 Why Fathers should have Equal Rights? Due to problems arising out of bitter divorces, custody, and support battles fathers are ostracize out of their children’s life. Fathers are often looked at as the bad person when things go wrong and being the blame. Fathers are just as responsible for the child being born as the mother. Over the years fathers continue to fight for equal rights, mothers are looked at as the victims and often make false statements about the fathers to suit their ownRead MoreWomen s Role As A Role Model1128 Words   |  5 Pageshusband and play the role of the mother and father. Some guys do not deserve these hard working women, but it does not mean that the woman needs to raise a family alone. Fathers and husbands are still needed because it does not only concern the wife, but the child as well, such as being a role model, a supporter, and an extra pair of hands. Fathers are still needed in a traditional household because the mother cannot play the role of a male. To be a father is more than just the title and gender. AnyoneRead MoreFather Parental Rights And The Child s Social Development1646 Words   |  7 PagesFather Parental Rights Introduction We are used to the situation when the rights of children and parents in families are clearly defined. We promote widely accepted beliefs, that parents are responsible for their children, and are obliged to take care of children, providing them with home, food, clothes, and various social opportunities. Traditional family will imply the existence of a happy married couple with at least two children, who possess sufficient freedom and areRead MoreThe Is Not The Physical Act Of Planting A Seed862 Words   |  4 PagesWhen a girl grows up, she marries her father. The meaning of this statement is not in a literal sense; it is a figurative saying meaning that women marry men who are similar to their fathers. A popular belief is that a mother is a figure of paramount influence in comparison to a father in a woman’s life. A father’s relationship with his daughter will affect her intimate relationships with other men. This relationship holds essential knowledge she will need, even if she will not date men in the futureRead MoreThe Debate Between Leadership And Christian Groups1239 Words   |  5 PagesTHE leader. Even Jesus was not prepared to do anything before He heard from His Father. Is Jesus a leader? Again, let s go to the Bible: They will fight against the Lamb; but the Lamb, together with his called, chosen, and faithful followers, will defeat them, because he is Lord of lords and King of kings. (Revelation 17:14 GNB) AND this is what it says about the Holy Spirit: When, however, the Spirit comes, who reveals the truth about God, he will lead you into all the truth. He will not speakRead MoreThe Responsibilities of Fatherhood Essay1307 Words   |  6 PagesEconomic and social statistical data rarely differentiate men who are not fathers from those who are fathers. Again, very little information concerning fatherhood and what fathers want is available to people. Written literature on fatherhood and written accounts about fatherhood from men who are fathers are also relatively rare. There is certainty that the environment around fatherhood has increasingly changed when it comes to domestic domain, employment and breadwinning, the structure of the family

Rubbish Has No Value free essay sample

TMA02: â€Å"Rubbish has no value â€Å" In this essay i want to discuss and analyse rubbish and it’s value. Rubbish has been described as something with no value, however value is a complex term and does not complete a clear picture of rubbish. To define rubbish clearly I want to discuss the relationship between rising affluence and consumer society and how they have produced more rubbish. Also what rubbish means to different people and who are the winners and losers in the mass generation of rubbish.I will also look at the sustainability of affluent societies, its effect of the environment and why negative externalities should be but are often not considered in the valuation of goods. Using Thompsons theory of rubbish(1979) and Baumans theory of consumption (1988) i hope to provide a detailed analysis of the pros and contra for the argument that â€Å" Rubbish has no value â€Å" To discuss rubbish and its value we need to discuss consumption and how and why consumpt ion has grown in society. In contemporary society people are not longer solely defined by what they do but more so by what do they consume.Consumption has a huge part to play in socialisation in term of what things we consume say about us and how we are trying to portray ourselves also. A question that was often asked when someone met someone new was â€Å" What do you do ? â€Å" , more so now the question is â€Å" What are you into ? â€Å" . ( Hetherington , 2009, p. 23 ) Generally people consume to define who they are but also some consumption is out of necessity for generally day to day living. E. g once a car was seen as a luxury but now for some it is a necessity for work. Bauman’s theory of consumption (Bauman, cited in Hetherington,2009, p. 25 ) talks about the seduced and the repressed in contemporary Western consumer society. People in a high affluent consumer society have more disposable income and can consume more to portray a social status of themselves and others. These people are known as the seduced and they are large consumers and produce the most waste and they are generally the winners in today’s society . They are seen to be valued in society and are socially included and have a valued identity.The opposite to which is they repressed whom consume less are often socially excluded and have devalued identities. People can move in an out of these groups depending on their income and circumstances. Advertising and social norms put pressure on people to become part of the seduced group whom consume more. Women entering the work place, households having dual incomes, the rise in the supermarket whom have low cost items allows people to consume more on smaller incomes and the decline in repair services are all factors in the rise of consumption and therefore more rubbish is produced.Now that we know some of the reason why rubbish has increased in modern society we can look more closely at the value of rubbish. I opened this essay saying that rubbish is often referred to something with no value. Rubbish sometimes can go from being worthless to being of worth again. We can use Thompsons theory ( Thompson, cited in Brown, 2009 p. 123 ) to examine this . Rubbish can be often seen as something offensive or not wanted. Take for example household waste , it has to be disposed of or it would cause offence.General house hold waste is worth nothing to an individual , however to a company who collects this waste and gets paid to do so is big business. Not only are they providing a service but are also recycling some of the raw materials to be reprocessed. To a household plastics and glass are worthless, however when a company deals in such huge numbers it is worth their while to process. So like the old saying what is one man’s trash is another man’s gold. Recycling increased from 1 % in 83/84 to 31% in 06/07 per person per year in the UK . ( Defra, 2007, Table 4 , cited in Brown, 2009 , p. 17 )A modern example is the mobile phone say an older model that is relatively worthless, there are ads on tv like Mazuma mobie with it’s slogan â€Å" Money for your old phone , Mazuma mobile. com â€Å" Obviously this firm is able to succeed in a viable business by providing a service of buying old broken mobile phones. We at home cannot dispose of them in a bin legally and they would be left around otherwise so this is a win win situation for Mazuma and the consumer. In this example we see how something is worth something and nothing at the same time.Thompson’s theory categorizes objects in three sections as follows. Objects planned for ordinary use have transient value as the value tends to drop over time, e. g mobile phone. Then a category of virtually zero value e. g a broken mobile phone and lastly a durable category whose value increases over time e. g art , jewellery and collectors items. ( Thompson , cited in Brown, 2009, p. 122 ) Thompsons theory shows how an item can sometimes move from a transient value through zero value and move onto to become a durable value item.This shows how something can turn to rubbish or zero value and come out the other side over time to a valuable (durable) item which is not considered rubbish. E. g maybe a painting from an artist who is not famous at time of the sale of the painting and over time society dictates the market price for various reasons such as supply and demand and fame of the artist. Clearly shows here something that was once rubbish or zero value is now of value. Obviously not all items go through this phase and it would it very hard to predict what items do for various reasons but majority would be disposed at zero value stage.One undervaluation of rubbish i want to look at is the environmental cost of affluent society on rubbish and the sustainability of modern society. Negative externalities such as environmental costs are often not considered in the value of goods produced and what happens them when disposed of. If this externality was considered the price of items would go up considerably due to the environmental costs of rubbish. Affluent countries are often the winners in rubbish disposal as they can pay poorer countries with less environmental laws to dispose of their rubbish.However greater education on recycling has been in effect for years now and we are recycling more than ever. We should follow the example of ROHS (Restrication of Hazardous Substances) payment that is paid on purchase of items on tvs , computers etc . . ( www. epa. ie , RoHS Enforcement GuidanceDocument ,Version 1 – issued May 2006 ) If these costs were paid on food items and general items more focus and money would be spent on disposal of waste and how we can make it safer and sustain our environment.