US Bank Corp. Analysis Free Essays

The two Institutions picked or correlation are Wells Fargo (WFM) and Bank of America (BACK). To assess the general quality the significant resources, liabilities, capital, hazard, liquidity and working choices of the three picked establishments will be talked about. Accounting report Analysis Out of the three banks US bank is the littlest concerning resources with Bank of America being the biggest followed by Wells Fargo. We will compose a custom exposition test on US Bank Corp. Investigation or then again any comparative theme just for you Request Now When contrasting complete resources with all out liabilities USB winds up in the most fragile position having an all out obligation to add up to resources proportion of 0. 11 . Business banks are known to use themselves exceptionally and influence Is ordinary in the Industry. Anyway In contrast with BACH’S proportion of 1 . 124 and Wife’s proportion of 0. 89 this moderately high influence Is a reason for concern. Government Deposit Insurance Corp†¦ Chairman Sheila Fair has supported for the US Bank to decrease their influence to half accepting that their budgetary position presents too extraordinary a hazard. The business midpoints for long haul obligation to value and absolute obligation to value proportions are 64. 36 and 177. 19 individually. In regard to this, US Bank winds up taking the center ground between Wells Fargo and Bank of America. Wells Fargo is by all accounts In value proportion of 84. 6, well beneath the business normal. The most obligated establishment would be Bank of America who’s proportions of 120. 09 and 249. 67 are well over the business normal. US Bank in examination has a drawn out obligation to value proportion of 67. 93 which is directly around the business normal while their complete obligation to va lue is far underneath it at 139. 98. In spite of being in acceptable position comparative with the business and the two picked comparative budgetary organizations in these measurements, this marker ought to be held with incredulity the same number of accept that all business banking foundations are absurdly utilized. One reason for US Banks exceptionally utilized position ay lay in the management’s choice to procure more banks through IBID-helped bargains. It is expressed that, â€Å"In all out, the firm has obtained $35 billion of banking resources through these arrangements at insignificant expenses. † Though these arrangements have been expressed to be not critical enough to posture such a danger. They are as yet crusading to gain considerably more resources. Resources All three organizations have land advances as their biggest resource class. This incorporates private advances, business land, and different credits made sure about by farmland. These advances can be viewed as sheltered as they are made sure about with liens on the columnist anyway they are illiquid and would be viewed as a drawn out resource. Wells Fargo has the biggest measure of land credits as a level of their benefits at 35. 81%, trailed by US Banks 32. 18% lastly Bank of America’s far littler 20. 97%. All the banks second biggest resources are obligation protections more than one year and they all have comparable sizes as level of all out resources. Business and industrials are the third biggest resource for Wells Fargo and US Bank and they hold comparable sizes as level of advantages. Bank of America’s third biggest resource anyway is exchanging resources which ought to be increasingly attractive. A significant part of the protections held by US Bank are not held available to be purchased which makes them powerless to loan cost hazard. It is hazy the amount of the banks advances utilize a gliding loan cost however we can expect which would better assistance decide the dangers in question. With US Banks genuinely high level of land advances and business and mechanical advances which are generally long haul these dangers to the bank are huge. The biggest risk for the three monetary foundations are enthusiasm bearing stores. Wells Fargo holds the biggest extent at 50. 14% followed by US Bank at 47. 70% and afterward Bank of America at 32. 0%. US Bank holds and Wells Fargo have comparable extents of this obligation. While these liabilities gather premium the banks do need to expect visit money outpourings from this. The three banks third biggest liabilities are intrigued bearing stores with US Bank having the biggest extent of 23. 36%, trailed by Wells Fargo at 21. 93% and Bank of America at 18. 97%. These extents appears to be generally like one another yet with US Banks higher extent they ought to be exhausted. These intrigued bearing records are probably going to check outs and keeping in mind that they don't collect premium you can expect visit publications from clients which should keep them exhausted of crediting out an excessive amount of cash. At last each of the three banks have recorded other acquired cash as their third promoted leases. Bank of America has the biggest extent of 14. 24%. Next is US Bank with 13. 66% and afterward Wells Fargo with 9. 62%. These extents additionally appear to be very comparative excessively one another. Premium Revenue, last Quarter US Bank biggest wellspring of income is on completely available pay on credits and rents at 44%. This extent is tantamount to Bank of America that represents 41% of their incomes. What is astounding is the huge mount of income Wells Fargo gets from intrigue and expenses on which represents 76% of their incomes. While US Bank just gets 42% of its pay in a similar classification. Intrigued Revenue, Last Quarter The biggest wellsprings of intrigued salary for the picked monetary establishments shift incredibly which makes it hard to contrast US Banks position in examination with the other money related foundations. The biggest classification recorded in wellsprings of intrigued salary for US Bank was expressed as undefined at 18% and 19% for Wells Fargo. The biggest hotspot for Bank of America is speculation banking charges and commissions. Costs Last Quarter Largest Expenses US Bank sum % of costs Interest on different borrowings exchange Lab 987,000 2 Interest on time stores $100K 191,000 3 Interest on time stores of $100K or progressively 184,000 1. 02% Largest Expenses Bank of America % of all out costs Interest on borrowings and exchange liabilities 80. 03% Interest on sub obligation and mand conv sec 8. 2% Interest on different stores 601,993 4. 60% Largest Expenses Wells Fargo Interest on other acquiring Trad Liab 55. 05% Interest on sub obligation mand conv sec 471 ,OOO 11 . 93% The biggest costs for each organization is enthusiasm on different borrowings and exchange iabilities. US Banks extent of 59. 14% is similar to that of Wells Fargds 55. 05%. Bank of America then again has an a l ot bigger cost in this classification of 80. 03%. The other cost classifications fluctuate between the banks. Enthusiasm on time stores is US Banks next biggest class. Income contributing exercises. Money from working exercises has been consistently expanding which is a decent sign however so is money from financing exercises which is a lot bigger. As business bank it very well may be normal that they fund their activity with an essentially huge segment of obligation. Anyway in mix with their exceptionally arrived at the midpoint of position with their rivals this could be a reason for worry in their money related practicality. Corporate Risk Profile: As an organization that works in the budgetary administrations, U. S. Banks biggest presentation of hazard originates from credit chance, operational, remaining worth, loan fee, market, liquidity and notoriety chance. U. S. Bank has spent numerous years attempting to consummate dealing with these dangers. For credit chance, U. S. Bank has consolidated â€Å"well-characterized, brought together credit strategies, uniform guaranteeing standards, and continuous hazard observing and survey forms for all business and buyer credit exposures† (SEC. Gob). US Bank has built up an exhausting and broad strategy so as to assess the credit hazard that it handles on an everyday premise. Another way US Bank deals with its credit hazard is â€Å"through enhancement of its advance portfolio and breaking point setting by item type measures and concentrations† (SEC. Gob). US Bank partitions its general credit portfolio into three separate fragments to, following the â€Å"don’t put every one of your eggs in the equivalent basket† hypothesis. The three parts of the portfolio comprise of business loaning, shopper loaning and secured advances. The dangers related with business loaning incorporate an uncommonness of elements incorporating numerous dangers related with the borrower’s business, for example, industry, geology, the loan’s reason, how the borrower will reimburse, obligation limit among others. So as to organize these dangers and keep them all composed, US Bank doles out hazard appraisals to these qualities in endeavor to make the capacity to concentrate on explicit dangers relying upon significance. To the extent the shopper loaning area goes, this envelops â€Å"residential contracts, Visa advances, and other retail credits, for example, rotating buyer lines, car advances and rents, understudy advances, and home value advances and lines† (SEC. Gob). The hazard normal for this area of the portfolio is centered around the borrower and their perception to take care of the credit just as earlier reimbursement history. The third part of the credit portfolio is the secured advance section. Prior to addressing the danger of this endeavor, it should initially be noticed that there are misfortune sharing understandings between US Bank and the IBID that eventually â€Å"reduce the danger of future credit misfortunes to the company’ (SEC. Gob). The dangers that are related with secured advances are â€Å"consistent with the section they would somehow be remembered for had the misfortune share inclusion not been in place† (SEC. Gob). Another significant part of US Bank to consider is the sub-prime loaning side of the financial business. Instructions to refer to US Bank Corp. Investigation, Papers

Angela Merkel

Tiffany Prill Challenges of Leadership Book Analysis Modern World Leaders-Angela Merkel The individual picked for this initiative report is Angela Merkel. I read â€Å"Modern World Leaders-Angela Merkel† composed by Clifford W. Plants. Being conceived in Berlin, with my pride in being German, just as being a female with my own initiative desire, I felt Angela Merkel was an ideal fit for me. Picking up information on the administration style from one of the most remarkable and compelling ladies on the planet, while additionally learning the qualities and convictions my nation is grounded on, I see Angela Merkel as very intriguing pioneer to study.Angela Merkel (conceived Angela Dorothea Kasner), was conceived in Hamburg, Germany on July 17, 1954. Angela was brought up in East Germany where she later got Associates degree in 1973. Soon after, she selected to the Karl Marx University where she later met and wedded Ulrich Merkel. She graduates with a lone wolf and proceeds onto he r PhD in Science at the Central establishment for Physical Chemistry of the Academy of Sciences in Berlin. By 1986 she got her PhD which is likewise that year she returns to West Germany just because since she was baby.It was the numerous years in West Germany, loaded with socialism and hardships, that instructed Merkel how solid and amazing government could be. Merkel was resolved to utilize capacity to serve the individuals not use it to control them. Instead of mentioning to them what they needed hear, she guided them to take care of the political issue. An academic physicist with almost no enthusiasm for governmental issues rose to the highest point of the Christian Democratic Union (CDU) known as a preservationist, male situated, conventional ideological group. I accept the keys to her prosperity incorporate things, for example, her childhood alongside her enthusiasm and ambition.Raised by a clergyman in socialist East Germany, Merkel had a childhood like no other. A spot where the economy was broken where assets and products where lacking. Merkel and her family were continually being viewed upon by the Statsi. The Statsi was a security insight arrange that comprised of 100,000 full time representatives with 300,000 witnesses enlisted to keep an eye on the residents who may be incendiary. Inside this condition Merkel figured out how to hush up about her genuine contemplations and keep her hidden and political world separate in dread of the Statsi.Ambition is putting it mildly. The fall of the Berlin Wall was the greatest eye opener and extraordinary occasion in Merkels life; going from somebody who took no specific enthusiasm for governmental issues to battling for opportunity and rights, practically over night. The day after Merkel was confirmed as chancellor Merkel burned through no time and caused trips far and wide gathering to up with pioneers in would like to shape collusions. Her first stop was Paris where she met with President Jacques Chirac wher e her objective was to underline the significance of their relationship.Next she met with security general Jaap de Hoop of the NATO. The NATO was a collusion between 26 nations where the assault on one nation prompts the assault on all nations. Merkel knew how significant this union was to Germany. Merkel got back to meet the President of Pohomba of Namibia just to leave not long after to the United States to meet President Bush. Merkel was respected her endless, aspiring, organizing. â€Å"She put her dedication to truth in front of faithfulness to the party†-Merkel’s put genuineness and truth on the highest point of her values.When German chancellor Helmut Kohl conceded his blame to getting illicit case commitments, Merkel was not frightened to censure Kohl in an open bulletin. Her coach, the man who began Merkel in governmental issues in her eyes was currently the man who sold out a trust and should never again be pioneer. Her trustworthiness is the way Merkel got i ndividuals to follow her as a pioneer. Albeit some felt she had betrayed Kohl, numerous Germans applauded her genuineness. She had demonstrated to the individuals that reality matters and that she remains behind it.Another time that Merkel wasn’t frightened to hold fast and just going to bat for what’s morally right was back in secondary school. In Germany educators calm exacting and at one point she had an instructor that would rebuff the whole class if an introduction varied even marginally from what the educator advised them to do. Where it counts inside Merkel realized that the understudies put in outrageous exertion into the introductions and that this issue was not kidding to such an extent that the understudies could all be removed from school. Subsequent to disclosing the circumstance to her folks, Merkel composed an appeal which she additionally introduced to some GDR officials.Merkels class was spared; the instructor was later taught. I describe her initiativ e style as one that depends on morals and ethics while likewise being immediate. She is both assignment arranged just as relationship situated. Merkel centers around the business job needing to be done while putting extraordinary accentuation connections and networking†¦ â€Å"I don’t think it bode well to go all around and around contending about this emergency. We need to oversee it. In any case, that’s something we can just do along with our neighbors, our accomplices, the huge ones and the little ones.I think Germany is foreordained, mostly because of its geographic situation, to be an arbiter and adjusting factor. † From this announcement I feel just as Merkel is immediate and to the point-there is no reason for belligerence, let’s take care of business. Simultaneously Merkel puts accentuation on pioneer part relations. Past chancellor Schroeder was known for his lavish sleigh rides with Russian President Putin alongside a reluctance to push Put in on troublesome issues. Merkel wasn’t taking sleigh rides; she was making a unique statementBased on her position Merkel has authentic force and generally utilizes objective influence. She can impact others utilizing something of significant worth giving her prize force. Merkels certificate in science gives her master power and throughout the years has picked up association power through endless systems administration and correspondence. â€Å"I am, I think, valiant at the unequivocal second. Be that as it may, I need a decent arrangement of start-up time, and I attempt to take however much as could be expected into thought in advance. † Merkel puts a lot of time examining an issue and gives close consideration to detail when making a decision.When taking a gander at a policy driven issue, she sees all sides and attempts to comprehend it legitimately. Merkel doesn't pass by â€Å"hunches† yet discovers what others think (particularly applies). She examines an issue cautiously and doesn't settle on â€Å"right off the back† choices. While some may of took a gander at it as unpracticed, Merkels boldness stood apart at the 2006 G8-Summit. The G8 Summit incorporates pioneers from France, Canada, Germany, Italy, Japan, Russia, United Kingdom and the United States, that year occurring in Russia. One thing that was not â€Å"appropriate† during the G8 Summit was to censure the host.Not just did Merkel question Russia on their appointive framework guaranteeing its inadequacies, she additionally vocalized that she didn't need the flammable gas from Russia to get disturbed once more; she required vitality security for Europe to be guaranteed and made sure about. Merkel had stood out as truly newsworthy and made her imprint. Merkel has not prepped a replacement yet is the replacement of Gerhard Schroder. Schroeder was to a greater extent a Democrat while Merkel is a Republican. She is an anticommunist that needs there to be a greater job for personal business and less job of the government.Schroeder accepted that the legislature must be a controller in organizations and that little changes to approach would bring Germanys level of competiveness up. Contrasted with her ancestor, Merkel felt government expected to escape the method of business and that assessments ought to be rearranged perhaps with a level rate. So as to diminish Germanys blasting shortfall, Schroeder cut standardized savings installments a joblessness benefits. Merkel then again found that expanding the VAT (esteem included assessment) from 16%-18% was more successful.Another significant contrast between the two was their perspectives on the war. While Schroeder was against the war, he aligned himself with France and scrutinized the Bush organization. Merkel saw the war as noble and right experiencing childhood in a nation without opportunity she realized precisely how valuable it was. She disclosed Germany expected to quit slamming America and that her organization will have more amiable relations with America. A representation of German princess conceived Sophie Augusta Fredrika, (later known as Russian ruler Catherine the Great) holds tight the divider in Merkels office.Sophie wedded the 17-year-old grandson of Peter the Great and was delegated Catherine II. Catherine was the longest decision and most prestigious female pioneer of Russia. The Catherinian Era was once in a while alluded to as the Golden Era as she broadened Russian region and rearranged law organization. Catherine drove Russia into full support in the social and political existence of Europe. In September 2006 Merkel bested the â€Å"World’s Most Powerful Woman† list by Forbes Magazine. Examiners guarantee her quality was her â€Å"unassuming and enthusiastic networking†.Leaders around the globe, for example, Jacques Chirac, Tony Blair, and Vladimir Putin were completely intrigued by Merkel winning the reverence of individuals around the world. Different honors got by Merkel include: * Vision for Europe grant 2006 * Recognition of â€Å"Dama de Gran Croce Ordine al Merito della Repubblica Italian† by Italian president 2006 * Honorary doctorate from Hebrew University of Jerusalem 2007 * Chalemagne Prize 2008 * Grand Cross of the Order of Merit of the Federal Republic of Germany 2008 * Honorary doctorate from University of Technology in Wrolaw (Poland) 2008 * â€Å" from University of Cluj-Napoca (Romania) Jawaharlal Nehra Award (India) 2009 * Forbes most impressive wom

The Deadline

The Deadline I have discarded jeans for yoga pants. My laundry load does not fit in the large washer. Chocolate and peanuts and granola make me groan, for too often they have replaced a human lunch. Soon I will run out of socks 8.01, Classical Mechanics has an exam tomorrow night. 5.112. Principles of Chemical Science, 18.022. Calculus, and 18.100B Real Analysis, have coordinated their Problem Sets to be due in almost symmetrical time intervals on the same day. I call it Dark Thursday. Learning at MIT is hard. Weekdays are a blur of work and socialization, with lines between the two unclear. The time-proven procrastination methods concisely entitled “Social Media” have long lost their appeal. When was the last time I looked at a Facebook timeline for something other than finding PSet buddies? Probably freshman Orientation, although that seems too far removed to tell. Challenges come in bursts and send an electrifying signal to the brain. 12 hours for 2 psets, although you can always pull an all-nighter, I tell myself. Perhaps I lie when I say I’ll get it done, because I dont reasonably expect for my body to endure another one of those hazy and hungry nights of no sleep. Everything is shockingly clear in those hours, yet the actions seem foreign and robotic. Physical necessities lose priority. But I dont mind a lack of sleep too much. In the morning, I get to watch the sun rise over my favorite Charles river and create scintillating crystals in the Boston skyline. The air is cool and devoid of worries. If anything, all nighters are worth it for this reward. In fact, pressure can be exhilarating. It pushes one to the limits of intellectual capacities. It boosts even the tiny successes and forgets the sleepy mistakes. It lets one test the extent of knowledge, and the efficiency with which the brain extracts and processes it. While doing homework, I feel as though I am peeling off a Brain BandAid with every problem solved or line of proof completion drawn. And I wonder, once I rip the final shred, what will occur? I hope that my mind will be cleared forever. I consider that a wonderful goal, despite the fact that, yes, ripping a BandAid often hurts. Still, I look forward to the Deadline Catastrophe. In fact, I am writing about it, and therefore it must be inspirational. Oh, and I should add that in the course of piecing this entry, I did laundry and found a new snack option to supplement a healthy lunch. I also completed one whole PSet, and the next one, for 18.100B, looks thrilling. I mean it. Here’s to a long and lovely night!

Essay The Ethics of Medical Animal Testing - 1941 Words

In all matters, including medicine, the well-being of the human race comes before any other consideration. This is the justification for the use of nonhuman animal testing in medicine. Of course this argument brings issues into play that are both ethical and professional and need exploring before a definitive answer can be given. The Rights of â€Å"Lesser Life Forms† Animals have rights. This is a statement that very few people will disagree with. Animal cruelty as an end unto itself (i.e. for entertainment) is just wrong. Short of being a sociopath I really can’t imagine anyone saying or thinking otherwise. The real ethical question comes when humanity can benefit from a â€Å"cruelty† committed against an animal. As far as life on†¦show more content†¦He describes our current state as a speciesism where we have decided that we are superior to animals for no better reason than any discrimination within our own race has ever had. Ideologies such as these lead to the formation of animal rights organizations. Probably the most well known animal rights group is People for the Ethical Treatment of Animals (PETA). This organization is against everything from animal testing, to meat eating, and even pet owning. On the Frequently Asked Questions section of their website they even speak in support of organizations such as the Animal Liberation Front, an organization that resorts to destruction of property and vandalism in service to the cause. Overall there are an abundant number of sights on the internet of organizations against animal testing. All of them operate on the basic premises that we shouldn’t cause harm to animals and even use the argument that animal testing doesn’t work. These last arguments will be addressed later. Why Animal Testing is done Animal testing in medicine is performed for many reasons. The most obvious question it answers is â€Å"does it work?† This is where the term â€Å"being the guinea pig† came from. It should be obvious that before a new medicine or a new medical procedure is performed regularly, it is a good idea to make sure its only reassurance is a sound theory. Another reason forShow MoreRelatedEthics of Animal Testing754 Words   |  3 PagesEthics of Animal Testing For my paper I chose the topic of animal testing because I have always been very passionate for animals and against animal abuse. I have never believed in animal testing and that there were always other alternatives. I wanted to look further into and educate myself about what is being done about this and why it is an ethical issue. I have come up with an axiom to summarize this topic. Testing animals in research revolves around the relative or moral value of humans and animalsRead MoreAnimal Experimentation : The End Of Animal Testing1118 Words   |  5 PagesThe experimentation of animals has been used for a multitude of years for research to advance a scientific understanding of a living organism. To this day animals are being tested on for the use of human products. In 3D-printing human skin: The end of animal testing? by Jessica Mendoza, Speculative Philosophy, the Troubled Middle, and the Ethics of Animal Experimentation by Strachan Donnelley, â€Å"Animals and Medical Scien ce: A Vision of a New Era† by David O. Wiebers, Cruelty-free cosmetics benefitRead MoreAnimal Experimentation, Ethics, And Ethics1703 Words   |  7 Pages Animal experimentation and Ethics -Tseten dolkar The practice of experimentation on live animals as known as vivisection is prevalent since the old roman days. 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Animal testing helps produced many vaccines and other drugs, like penicillin, and thus, save many human lives. On the other hand, animal testing also causes pain and kills a lot of animals used during the researches that many people oppose this practice. Supporters show their support, whileRead MoreAnimal Experimentation And Animal Testing1261 Words   |  6 Pagesagainst animal experimentation. The report begins with an introduction briefly outlining what animal experimentation refers to, introducing the three perspectives and highlighting the intention behind this investigation. The report then explores the positive and negative medical aspect of animal experimentation stating that it has resulted in vital vaccines benefitting both humans and animals, but also accepting it is not always reliable. The advantages and disadvantages of animal testing on consumerRead MoreEssay about Animal Dilemma927 Words   |  4 Pagesmillions of animals like rats, dogs, birds, and farm animals that are killed to discover new information on medical discoveries, product testing, and for educational purposes. Many believe animal testing is inhumane because just like humans, animals feel pain as well, but others believe we should not treat animals as moral equals. However, in the recent years there have been new products introduced to decrease the use of animal testing or even possibly completely stopping it. Using animals for medicalRead MoreAnimal Testing: Pros and Cons Essay1021 Words   |  5 Pages The ethical treatment and testing on animals is a widely controversial subject in the field of zoology. Views on animal testing range from positivity to full negativity. Animals such as mice and rats have been found to have psychological and genetic similarities that relate to humans which make them perfect for the experimental trials. Before various products are put out for humans consumption, animals are the most common way for companies to see if their new inventions work. The benefits andRead MoreRuthless Or Progressive Animal Testing1396 Words   |  6 PagesSharon Graham ENG 102 VF 08 October 2015 Ruthless or Progressive Animal Testing Curious minds since the beginning of time have used animals to explore deeper into the realms of science, whether behavioral or biomedical. Despite many medical advances since, people have developed a division between what they feel is beneficial or not to the modernizing world as to whether animal cruelty is acceptable and humane or not. Animal testing is research science, typically regarding chemical exposures, drugRead MoreArgumentative Essay On Animal Testing859 Words   |  4 Pageshealth sciences is the use non-human test subjects by medical research institutions. Animals used for experimentation can provide extremely important information due to their physical and genetic similarities to humans. The tradeoff to furthering the field of medical science is that often times these experiments result in pain, suffering, and death of the test subjects. This raises serious ethical and moral questions about the use of animal experimentation. It is a matter of serious debate as to

Essay about Persepolis Illustrations Analysis - 888 Words

Satrapi’s graphic memoir, Persepolis focuses hugely on the loss of innocence of Marjane, which she illustrates by using several techniques such as the sizes of figures and the contrast of shades, as well as the of details, or lack thereof she includes in her drawings. Marjane’s drawings are more than mere illustrations; they are drawn the way they are for a reason. Figure sizes throughout the book vary to show the importance or maturity of the characters. In the beginning of the memoir, Marjane is depicted as a small girl, considerably smaller than her parents and all other grown-ups that surround her. Though Marjane is very aware of her situation, and a lot smarter or conscious than other children her age, she is still childish and†¦show more content†¦In the beginning of the book Marjane is more often dressed in white, but as the memoir progresses, she begins to lose the white clothes, just as she losses her innocence. Her innocence is not only represented by the figure size, or color of clothing, the way she depicts violence in the beginning of the book is very different from what she imagines as the book advances. She is aware of the situation within her country, since her parents are fervent revolutionaries she hears stories and she listens to the news, so she knows a lot about the situation around her. However, her young, innocent mind, and her lack of experience distort and in a way censor the truth. The first panel in page 40 depicts the massacre of Black Friday. Marjane, being a child, doesn’t really know what a massacre looks like. She draws the corpses in neat rows, with no signs of blood or physical damage. We can also find another example in the first panel of page 52. Her parents have been talking about the death and dismemberment of a friend of theirs. Marjane, who has been listening to the entire conversation, pictures his death. The man is depicted as neatly as the people depi cted in the Black Friday Massacre. The limbs are separated from the body, which is hollow, with no blood or organs in sight. Though Marjane is not as innocent as she was in theShow MoreRelatedMarjane Satrapi s Persepolis Story1487 Words   |  6 PagesMarjane Satrapi’s Persepolis tells the story of her life as a young girl in Iran during the Islamic Revolution. Satrapi’s story is told through an autobiographical graphic novel which is revolutionary because such stories are often told through more common mediums such as Television interviews and text based novels; this difference helps to set Persepolis apart from other works about revolutionary Iran. The Persian people have been largely dehumanized by mass media in a post September 11th societyRead MoreA Literary Lens957 Words   |  4 Pagesthis book was the illustrations that helped to add joy and laughter to this great book.† (Petersen, 2016). This description is short, and doesn’t really exemplify wh at exactly the illustrator did to have myself react with joy and laughter. But, later in the seventh book, Persepolis, my description for the artistic lens was much for in depth and analytical. For example, I detailed, â€Å"Her [the author] use of the black, empty space to underline the sadness and worry that Persepolis felt when she discoveredRead MoreThe Complete Persepolis By Marjane Satrapi2268 Words   |  10 Pages Review of Literature While I will pull from other sources, the main focus of this paper will be The Complete Persepolis by Marjane Satrapi. Throughout this graphic novel, Satrapi tells her life story and what it was like growing up in Iran. In the opening illustrations, she describes her childhood and her transition from a secular school to one that was religious and separated by gender. At this time it had become law for a woman to wear the veil, or head scarf when in public. Iran transitionedRead MoreAnalysis Of The Book The Complete Persepolis 2283 Words   |  10 Pagesnearly every other form of freedom.† In The Complete Persepolis, it is clearly seen that when a standard is set for women’s attire, restrictions of other freedoms come along with it. Throughout the book, the author, Marjane Satrapi, recounts her life in Iran after the Islamic Revolution of 1979, and the difficulties she encountered. She struggled with restricted freedoms, strict religious rule, and a sense of statele ssness. In the opening illustrations, she describes her childhood and her transitionRead MoreRosalind Krauss - Photographys Discursive Spaces9350 Words   |  38 Pages The spatiality of the view, its insistent penetration, functions, then, as the sensory model for a more abstract system whose subject is also space. View and land survey are interdetermined and interrelated. What can be seen to emerge from this analysis, then, is a system of historically specific requirements that were satisfied by the view and in relation to which view formed a coherent discourse. That this discourse is disjunct from what aesthetic discourse intends by the term landscape is also

Sole Proprietorship and Restaurant Free Essays

1. 0 Introduction 1. 1 Background of the Study There are lots of beautiful restaurants with expensive food that get big earnings but they’re not properly paying taxes. We will write a custom essay sample on Sole Proprietorship and Restaurant or any similar topic only for you Order Now It can also cause the state or other local government to shut down a restaurant completely if taxes aren’t paid. Other restaurants change their sales for good even before the recession has started. Restaurants have become successful but others fail because of some problems like a bad location, poor visibility, no parking or maybe no foot traffic. These can affect the restaurant’s progress. 1. 2 Theoretical Framework Mission: To serve great food at a reasonable price The restaurant is a single proprietorship; it has only one owner that provides the total needs of the business. It was established on February 13 2013. The restaurant starts at 6am until 12 midnight. The promos of the restaurant start at 10pm. The menus are based on their fixed menu just like fast foods; they’re not changing their list every day. The restaurant has 5 crew members which serve the customers every day. 1. 3 Statement of the Problem 1. 3. 1 General Problem This study tried to investigate the factors that affect the sales of the Dyulyus crepes and steaks. It answers the question â€Å"How do these factors affect the sales of the restaurant? † 1. 3. 2 Specific Problem This study also tried to answer the following questions: †¢ How do the employee’s skills affect the sales of the Dyulyus Crepes and Steaks? †¢ Can changes in climate affects the sales of Dyulyus Crepes and Steaks? †¢ How a new build competent restaurant affects the Dyulyus Crepes and Steaks? †¢ Does the weekly menu give a negative effect on the sales of Dyulyus and Steaks? 1. 4 Significance of the Study The Management This study provides the restaurant the factors and a suggested solution for the problems of the Dyulyus Crepes and Steaks. It can help them to improve the rate of their sales and it gives them some ideas on how to avoid a decreasing value of sale’s rate. The Customer This study gives some knowledge to the customers about the competition and problems that occur on the restaurant. It will provide reasons why some restaurant give some promos and use different strategies on selling their products. The Researcher Working on the research, the researcher gains some knowledge on how to strategize a single proprietorship restaurant. He becomes aware on how hard to manage a single proprietorship restaurant. The Future Researcher This system can help the future researcher for them to have an idea for their upcoming research. It can guide them in constructing a research paper. 1. 5 Scope and Limitation of the Study Scopes This study focuses only on the following topics: †¢ The factors that affects the sales of the restaurant †¢ The effects that this factors brings on the restaurant’s sales †¢ The suggested solutions on the following factors that gives a negative effects on the sales of the restaurant Limitations Despite of the following scope of the study, there are things that the study didn’t include. These limitations are the following: †¢ The ingredients or recipe of the restaurant’s menu †¢ The budget and the expense of the restaurant †¢ The solution for spoiled food 1. 6 Definition of Terms The following words are given with meaning for better understandings of this study: †¢ Sole Proprietorship – is a type of business entity that is owned and run by one individual and in which there is no legal distinction between the owner and the business. 2. 0 Review of Related Studies and Literature 2. Foreign and Local Studies Foreign Studies According to the research paper of Syed Saad Andaleeb and Carolyn Conway published at November 3, 2009, the following factors affect the restaurant’s sales. Product quality Because the â€Å"product offering† for a full service restaurant is likely to be assessed by evaluating an actual product (the meal ) and by where it is delivered (physical place), we decided to separate the tangibility dimension in SERVQUAL into its two aspects: food quality and the physical design/decor of the restaurant. The former has been discussed earlier along with reliability. From the perspective of physical design, environmental psychologists suggest that individuals react to places with two general, and opposite, forms of behavior: approach or avoidance (Mehrabian and Russell, 1974). It has been suggested that in addition to the physical dimensions of a business attracting or deterring selection, the physical design of a business can also influence the degree of success consumers attain once inside (Darley and Gilbert, 1985). This involves research on the â€Å"services cape† (Bitner, 1992) which is the â€Å"built man-made environment† and how it affects both customers and employees in the service process. Thus, we propose that; the better the physical design and appearance of the restaurant, the greater the level of customer satisfaction. Price The price of the items on the menu can also greatly influence Customers because price has the capability of attracting or Repelling them (Monroe, 1989), especially since price functions as an indicator of quality (Lewis and Shoemaker, 1997). The pricing of restaurant items also varies according to the type of restaurant. If the price is high, customers are likely to expect high quality, or it can induce a sense of being â€Å"ripped off. Likewise, if the price is low, customers may question the ability of the restaurant to deliver product and service quality. Moreover, due to the competitiveness of the restaurant industry, customers are able to establish internal reference prices. When establishing prices for a restaurant, an internal reference price is defined as a price (or price scale) in buyers’ memory that serves as a basis for jud ging or comparing actual prices (Grewal et al. , 1998). This indicates that the price offering for the restaurant needs to be in accord with what the market expects to pay by avoiding negative deviation (i. . when actual price is higher than the expected price). We propose that; the less the accordance of the actual price with expectations (negative deviation), the lower the level of customer satisfaction. Local Studies 2. 2 Foreign and Local Literature Foreign Literature According to the article of buzzle published at January 8 2013, the factor that affects a restaurant’s sales is the following: †¢ Demand and Supply †¢ Marginal and Total Utility †¢ Money and Banking †¢ Economic Growth and Development †¢ Income and Employment †¢ General Price Level †¢ Trade Cycles †¢ Inflation †¢ Recession †¢ Exchange Rate Rate of Interest †¢ Government Regulations Local Literature 3. 0 Research Methodology 3. 1 Researched Design The rese arches are base from the interview with the owner, observation and analysis of the researcher. The data was taken from the owner and was interpret and studied by the researcher. 3. 2 Data Gathering Procedures 3. 2. 1 Preparation The researcher talks to the owner and set a meeting date for the interview. After setting an interview, the researcher observes the transaction process of the restaurant and constructs some questions that can be use on the interview. 3. 2. 2 Interview with the owner The researcher conducts an interview with the owner. The following details are the coverage of the interview: †¢ Restaurant process †¢ Mission of the restaurant †¢ Menu of the restaurant †¢ Factors affecting their sales †¢ Promo’s of the restaurant †¢ Strategies of the restaurant 3. 2. 3 Analyze the Study The researcher analyzes the given data from the owner and come up with the following factors which include the: †¢ Price of their foods †¢ Employees skills †¢ Seasons/Climate †¢ Promo’s of the restaurant 4. 0 Presentation, Analysis and Interpretation of Data 4. 1 Sample Data 4. 1. 1 Restaurant Menu Cold Crepes Mango Crepe60 Choco Banana Crepe60 Strawberry Crepe60 Warm Crepes Cheese Steak75 Beef n’ Mushroom75 Chicken Ala King65 Ham n’ Cheese60 Bacon n’ Egg60 Sizzlers T – Bone Steak99 Sirloin Steak75 Pork chop Steak75 Liempo Steak75 Savory Chicken Steak75 Hotdog w/ Egg Steak55 Tapsilog70 Sisig120 Extra Java20 Extra Gravy20 Softdrinks15 4. 1. 2 Interview †¢ What are the promos that this restaurant gives to the customers? Dyulyus Crepes and Steaks gives unlimited rice and free iced tea from 10pm to 12 midnight when you order a food from our restaurant †¢ What are the reasons that affecting the way you sell your products? The reasons are having other competent restaurants, which give a confusion to the customers which restaurant they will choose to eat in. Another reason is the bad weather which cause a laziness to the customers to go outside and buy from a restaurant. †¢ What solutions do you implement when a new competent restaurant becomes popular? It’s natural in this kind of business, so we just act natural also. We don’t easily get affected and trying to be consistent on our foods. Sometimes we are also implementing an improvement on the recipes. Table 4. 1. 3; Sales of Having a Promo and Without February 18-22, 2013 and February 25-March 1, 2013 Table 4. 1. 4; Sales of hiring staff March 4-8, 2013 and March11-15, 2013 4. 2 Interpretation of Data The interview shows that the bad weather, climate and season can affect sales of the restaurant. In some way having a new competent restaurant near at the subject restaurant can also affect the sales. It just likes decreasing the chances that their products will sell. The table 4. 1. 3 shows that promos can affect the sales of the restaurants. People are always looking for promo which gives them a higher discount. The more the discount on the restaurant the more they will avail on the restaurant. People nowadays are just being practical. The table 4. 1. 4 shows that hiring of additional employees will affects the sales of the restaurant. In a positive way this factor can increase the sales. Having many employees can contribute more in production and serving customers in a fast way. 5. 0 Summary of Findings, Conclusion, and Recommendations 5. 1 Summary 5. 2 Conclusions The price is a bit expensive that’s why they need to make it more affordable for students with a tight budget considering they only depend on their allowances. The students should also be able to enjoy their promos at their most convenient times and not during midnight where students have already went home. It’s also wise to add some crew during peak hours to assist the waves of students coming in during their breaks. Offer menus that are applicable or enjoyable with the weather and always keep the food presentable and delicious especially if you know you have a rival restaurant. 5. 3 Recommendations Bibliography http://www. technologyevaluation. com/search/for/sample-thesis-proposal-of-hrm-students. html http://www. ehow. com/way_6170764_thesis-ideas-management-degree. html Appendices ———————– [pic] How to cite Sole Proprietorship and Restaurant, Essay examples

Design Thinking And Entrepreneurial Activity †MyAssignmenthelp.com

Question: Discuss about the Design Thinking And Entrepreneurial Activity. Answer: Introduction The report is required to look into the concept of design thinking and entrepreneurship topics. Design thinking is a method framed by designers to solve complex issues and find worthwhile solutions for clients. The design basically assists in solving problems as they are action oriented towards a preferred future. The design principles when applied through a particular strategy and innovation, the success rate for innovation improves dramatically. Design thinking helps in the core effective strategy development and organizational change. Firms which involve themselves in design thinking stay ahead in their willingness to engage in the task of continuously redesigning and reforming their business, proceed in the field of innovation and efficiency, the combination which gives rise to a greater competitive edge (Amit Zott, 2012). Design thinking is drawn upon logic, imagination, intuition and systematic reasoning to explore possibilities of what could be and create desired outcomes tha t benefit the customer and also help achieve the goals and objectives of the organization. The important thing which design thinking brings in is an aspect of creativity on the minds of the designers (Audretsch, 2012). Creativity helps to make the business get moulded in the appropriate direction as per the needs and demands of different situations, which ultimately assists an organization to tackle unforeseen circumstances and walk towards the path of growth and development. Design thinking is essential to get people to work on the need to cultivate new ideas and adopt new approaches in order to be successful in a highly competitive work environment. Discussion The design thinking is a way through which complex problems are solved. The mindset adopted is not focused on problems but are concerned about possible ways to provide the solutions by taking action oriented approach towards creating a better future. Design thinking is based upon intuition, imagination, logic and systematic reasoning to ascertain possibilities of what could be and create appropriate outcomes that benefit the end user. This requires an approach to look ahead into the future, identify areas where one could cash on and thus develop a mindset to explore possibilities (Bocken, Rana Short, 2015). This helps in finding ways out on how to seek for constant upgradation and betterment along with delivering of services as per the needs and requirements of the customers. Entrepreneurship deals with the plans associated in setting up a business and design thinking plays a very important part in the activity (Carland, Carland Stewart, 2015). A business requires constant upgradat ion of plans as per the needs and requirements of the situations and thus thinking ways out to formulate certain strategies to enable the organization to keep up with the pace is a challenge, which can be achieved through implementing innovative thoughts and ideas. Critical Self Analysis And Reflection Now a critical self analysis and reflection is presented through the blogs which I have maintained on a weekly basis to develop an understanding of design thinking and entrepreneurial activity. Week 1 Activity: In the week 1 blog, I have mentioned that the teacher had given us certain questions to ask one another about the previous studies and experience. This was done in order to find out if similarities could be found on subjects studied and prior work experience gathered. Initially my comfort level was not high as I was not used to doing tasks related to design or critical thinking but gradually I could understand that one should always ask questions even when there is a feeling that a group of people is known for a long time. Interactions with people always helps in knowing them better (Glen, R., Suciu, C., Baughn, C. (2014). This blog mentions that only after interacting with other international students like me, I had understood about their thought processes on these activities. This proves that one should never underestimate anyone and try to have clarity while interacting, as interactions would help erase doubts and lead to removal of barriers, which is essential for any business t o succeed Week 2 Activity: In this week, the teacher had provided articles with respect to reflective thinking, which I had made note of in piece of paper and the students were asked for their responses in those sentences. Reflective thinking is nothing but how to relate the new knowledge gathered on the prior understanding (Koellinger Roy Thurik, 2012). So I made sure to relate the concept of reflective thinking on a daily basis in everyday activities. In business, reflective thinking is a necessity as evolution happens from time to time and there is always a requirement that fresh knowledge should be harnessed on the understanding one has already developed over a period of time. In practical life even, I had tried to implement those concepts to seek for the desired results. Relating the new knowledge in the business with the prior understanding is very crucial for the growth and development as an individual, which in turn would help the business expand and touch upon new avenues. Week 3 Activity: Week 3 dealt with ways to understand the core values of design and develop the idea of mindset. Mindset is required for instigating ways for the right thinking pattern of people and how a person would be able to think innovatively for bringing in necessary developments and activities which are feasible. I had seen a major change in the level of thinking over this period and got surprised by the way, the level of creativity within myself was developed and along with the observation skills (Massa Tucci, 2013). Creativity is a must for survival of any business over a length of time and similarly observation skills is equally important, as one needs to be always aware of possibilities for expansion and other challenges which the business might confront in near future. A creative mindset helps to make sure that the businesses are always tuned as per the expectations of the customers and needs of the industry, thereby reducing any threat from the competitors. Week 4 Activity: This weeks activity dealt with the ways to understand the difference between problem solving and problem finding and also develop ways to detect complicated problems. A brainstorming activity was involved with 30 circles in a white paper, through which an idea developed where all 30 circles had to be put inside a bigger circle (Naud, 2013), so that each and every circle was made a part of the bigger one. This activity made me realize the concepts of understanding the importance of right attitude towards the customers with right mindset, right empathy, right kind of stimulus, right kind of facilitation and right inspiration, (Goldschmidt Rodgers, 2013). All these characteristics are required for the development of healthy relationships among peers. These are essential elements which can be used in business, to create a rapport with the customers, create an urge to improve every single time, provide inspiration by understanding where we come from and facilitate on giving suggestions t o where we must go. Week 5 Activity: This 5th week revolved around understanding of the concept of mind mapping which help in bringing ideas together and organize them accordingly to fetch the desired results. The need for finding ways out to add value to an organization is of utmost importance as value creation helps develop confidence and understanding between the customers and business and mutual trust is built (Nicholls Murdock, 2012). Creating a value chain in a business perspective is a necessity to attain excellence and stand out from the crowd in a highly competitive work environment and survive in the long run. The more value an organization provides through their products and services, they would be able to seek customers on a regular basis and become more and more profitable. Value Chain refers to a series of activities linked together for the attainment of the desired goals and objectives. In business perspective, creating value and delivering valuable service to the customers is important to create a major impact and look to enhance customer base and thereby provide satisfaction and earn profit Week 6 Activity: This week dealt with the concept of Ethics, which is one of the most important things to be maintained by any organization. Ethics refer to the values and principles which need to be maintained by conforming to the rules and regulations (Plattner, Meinel Leifer, 2012). The activity involved providing lines to form a square and there was confusion regarding whether the lines must be continuous ones and the teacher had argued that a child would be able to draw in a much easier manner as adults have a sense of prejudgement. Childs thoughts are free by nature and not preoccupied by other thoughts. The concept of ethics in oil company like any other organization is of paramount importance (Trimi Berbegal-Mirabent, 2012). Week 7 Activity: The activity in this week which I have mentioned in the blog is about analyzing a large amount of qualitative data related to creating an original dessert in order to test our creativity on different food items. The fact that our teacher had showed us the preparation of a new kind of dessert based on chicken, the recipe had come as a surprise because chicken has always been thought of as a starter or a main dish. This is where mind mapping comes into play, which is a graphical representation of ideas and concepts (Shepherd, Williams Patzelt, 2015). The ability of mind mapping is important because, the ideas and concepts generated in the world of business has to be thought as something which could always be applicable and meaningful. Otherwise those ideas do not hold any meaning. One should be able to correlate any idea, which is thought of, with the practical scenario. Week 8 Activity: This weeks activity dealt with an app, known as spoilers app whose primary aim was to prevent unwanted content in the newsfeed on the phone or tablet. Different pictures were provided with team members numbered from 1 to 6. Initially there was some confusion as I had never used such app before but gradually through the passage of, developed an understanding which made me apply on my own smartphone (Shepherd, Williams Patzelt, 2015). This allowed to look into the aspect of working effectively in a team and the find possible ways to understand an unfamiliar concept or idea. In business world, unforeseen circumstances would always come up in some form or the other and in those situations, working as a team would help in getting through the phase. Week 9 Activity: The next activity dealt with getting ahead and understand the importance of marketing strategies in an organizations attempt to target the desired customers. The importance of target market can be clearly understood from the fact that the basic of any marketing strategy is to segment the customers from a wide base, then target the customers who fit the needs of the organization by meeting all the demands and then position those targets accordingly to specifically address their issues (Trimi Berbegal-Mirabent, 2012). Targetting those customers as per their purchase history is important as time and money would be used in a judicious manner and avoid wastage. In business perspective, utilizing resources effectively for targetting the right kind of customers is important. Identifying the appropriate customer base to target with the right the kinds of products is very much essential. Week 10 Activity: This activity was about adopting the principle to know the details about how to fund a business. Business funding requires looking into the type of business one is in, the products one are dealing with, whether the business is a partnership firm, joint venture or sole proprietorship. Accordingly the funding would vary. The art of finding a proper sponsor ahead of launching a business plan is a tough ask but an important one (Urbano Alvarez, 2014). This requires proper connection and the task needs to be carried out for proper execution of plan. The importance of understanding the requirements of funding a business is essential to have clarity over the products, the expansion plans so that wastage of resources is avoided. Week 11 Activity: The activity in this week was of a presentation, where I had talked about mind mapping and self confidence played a very important role because nervousness was there as I had never ever given any presentation before in my lifetime. Self-Confidence plays a significant role in the success of any individual and this can be seen even in influential persons, who have had success due to the self-confidence portrayed by them in the course of their career (Zahra Nambisan, 2012). For any business to flourish and excel in the highly competitive work environment, self-confidence is crucial because they help in giving customers the assurance that they would be able to cope up with the rising challenges. Week 12 Activity: This activity was related to how design thinking, which is used for confronting complex problems and align them with mind mapping and daily routine. Design thinking is basically a way through which any type of problem can be dealt with and solved in due time without much difficulty. In business world, I feel that this design thinking concept is crucial and should be implemented to the best of the abilities for finding ways to innovate, attract customers, implement strategies to go ahead and let the business flourish (Nicholls Murdock, 2012). Conclusion: Action Plan I would like to conclude by saying that the universities across the world should look to adopt tasks which I have gone through over this period and really helped to understand business situations and ways to tackle unforeseen circumstances. The concept of design thinking has been understood with great clarity and satisfaction. The action plan is to carry on implanting the learnings which I have gathered through these tasks to my everyday life. As far as the self development is concerned, the activities which I have gone through have certainly helped me develop the mentality to think rationally and also create an image on the mind about what to expect in a business environment. The essentials for succeeding in business have also been understood in a practical manner through those tasks as on most occasions, the tasks were related to the situations which I am supposed to face in the world of business. I have understood the importance of implementing strategies required for achieving su ccess and hold on to the position in a highly competitive work environment. I genuinely feel that these tasks should be carried out by one and all at least once in their lifetime to garner the essential learning required for understanding the necessities of business and life in general. References Amit, R., Zott, C. (2012). Creating value through business model innovation.MIT SloanManagement Review,53(3), 41. Audretsch, D. (2012). 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Entrepreneurship and the business cycle.Review of Economics and Statistics,94(4), 1143-1156. Massa, L., Tucci, C. L. (2013). Business model innovation.The Oxford handbook of innovation management,20, 18. Naud, W. (2013). Entrepreneurship and economic development: Theory, evidence and policy.Browser Download This Paper. Nicholls, A., Murdock, A. (2012). The nature of social innovation. InSocial innovation(pp. 1-30). Palgrave Macmillan UK. Plattner, H., Meinel, C., Leifer, L. (2012).Design thinking research. Springer. Shepherd, D. A., Williams, T. A., Patzelt, H. (2015). Thinking about entrepreneurial decision making: Review and research agenda.Journal of management,41(1), 11-46. Shepherd, D. A., Williams, T. A., Patzelt, H. (2015). Thinking about entrepreneurial decision making: Review and research agenda.Journal of management,41(1), 11-46. Trimi, S., Berbegal-Mirabent, J. (2012). Business model innovation in entrepreneurship.International Entrepreneurship and Management Journal,8(4), 449-465. Urbano, D., Alvarez, C. (2014). Institutional dimensions and entrepreneurial activity: An international study.Small Business Economics,42(4), 703-716. Zahra, S. A., Nambisan, S. (2012). Entrepreneurship and strategic thinking in business ecosystems.Business horizons,55(3), 219-229.