buy custom The Difference between ETF’s and Mutual Funds essay

buy custom The Difference between ETF’s and Mutual Funds essay Nowadays, there are numerous options which serve as a powerful and flexible tool to handle a variety of trading strategies. Among them, there is a choice between buying a mutual or an exchange-traded fund (ETF), which may influence the investors success and the amount of money they can make. Therefore, it is crucial to know the differences between ETFs and mutual funds as well as their nature. Mutual Fund A mutual fund is a portfolio of shares, carefully selected and acquired by professional financiers from numerous investors for the purpose of purchasing securities, including stocks, money market instruments, and bonds. The cost of the funds shares is equal to the total value of fund investments divided by the number of shares (U.S. Securities and Exchange Commission, n.d.). The main advantage for investors is the risk reduction because of the distribution of investments among a large number of different companies. Another advantage of mutual funds is the saving time as buying a share, people do not spend their time managing the investment. Furthermore, special finance managers work hard to make money, hence bringing a great profit to clients. Instead of independent persons analysis of industries and companies, professional managers analyze all factors and make an appropriate decision (ICI, 2007). This option is ideal for those who do not have either time, desire, or ability to engage in an analysis of the securities Moreover, due to countless transactions in mutual funds, the total amount of commission decreases significantly. If to compare the commission in mutual funds to the commission that a person would have paid by buying many shares independently, the difference will be obvious. When mutual fund collects a huge capital, then to produce a deal on a large scale, the transaction should costs cheaper, which is another advantage of mutual funds, especially for investors. Exchange-Traded Fund ETF is a type of funds, which presupposes hedging risks and investing in certain markets or individual sectors of the economy. It is a passive management strategy traded on public exchanges (U.S. Security and Exchange Commission, 2012). A purchase and sale of ETF do not differ from similar transactions with individual stocks. ETFs allow implementing an index investment strategy with minimal costs. The low cost and flexibility of the strategy are among the main advantages of ETFs for investors. Each ETF replicates the structure of one of the stock indices. Therefore, it allows traders to invest directly in the stock index of the leading stock exchanges of the world. In addition, ETFs may follow the structure of the bond, commodity, or currency indices. There is also ETF, which replicates the structure of regional or sectoral indices (Antoniewicz Heinrichs, 2014). Therefore, ETFs are a good tool for portfolio diversification. Main Differences The main difference between ETFs and the mutual funds is that ETFs trade only on the exchange that can be purchased through a broker. On the contrary, one can buy a share in mutual funds only from the company that manages these funds (Egan, 2014). Moreover, ETF not only combines all the advantages of mutual funds but also has a number of other significant strengths. For example, the procedure of selling and buying in ETFs is similar to that of a common stock. People can invest at any time when they have the opportunity, paying the price indicated at the moment of the purchase. Unlike EFTs, one can invest in a mutual fund only based on the prices established when the market closes (Egan, 2014). In addition, in EFTs, the management fees and the minimum contribution for investment is lower than that of the mutual funds (Egan, 2014). A person can trade ETF shares on margin or to buy the ETF option, which significantly expands the range of capabilities in building trading strategy. ETFs faithfully replicate the change in the price of stocks of the total market and the individual sectors, bonds, commodities, and other assets. Conclusion To summarize, it is worth saying that the main differences between the two options are the number of shares offered, the presence of a mediator in the form of a broker, affordability, and duration of the procedure of purchase. Buy custom The Difference between ETF’s and Mutual Funds essay

How to Make Crystal Clear Ice Cubes

How to Make Crystal Clear Ice Cubes While you are making glow in the dark ice, why not make some clear ice? There is a trick to making clear ice cubes, but it isnt complicated and doesnt require an expensive restaurant ice machine. You need pure water and you need to control how it cools. The ice maker in a typical home freezer has a water filter, but usually produces opaque ice. This is because the water doesnt cool at the right rate to produce clear ice or else there is a lot of air in the water. Clear ice is easily made using bottled water that had been purified using reverse osmosis  or  distillation, but you can make clear ice from tap water. To do this, boil the water to remove most of the dissolved air. Ideally you want to boil the water, let it cool, then reboil again. But, you should be able to get good results just boiling the water once. Let the water cool slightly to minimize the risk of getting burned and then pour it into an ice cube tray and put it in the freezer. So,  you can make clear ice by boiling and freezing filtered water, but the cooling rate is also important. If the ice freezes too slowly the result is milky on the bottom and clear on top. Unfortunately, you dont have a lot of control over the freezers cooling rate. You can play with the starting temperature of the water until you get the results you desire. What can you do with clear ice? One thing you can do is to use it as a magnifying glass. In a pinch, you can use an ice lens to start a fire. Also, unless you like the taste of quinine, clear ice tastes a lot better in drinks than glowing ice.

International economics Assignment Example | Topics and Well Written Essays - 500 words - 1

International economics - Assignment Example 4. A debtor nation is that which has a negative balance of trade owing to numerous debts owed to international financial institutions while a creditor nation is that which has a positive balance of trade. Entries like exports, loan receipts and investments constitute surplus, hence indicate creditor status while those entries like amount expenditure, are considered deficits and indicate a debtor status (Becker 123). 5. Exchange rate refers to the market rates at which a given currency trades in relation to others. Depreciation refers to the decrease in a country’s exchange rate while appreciation is the decrease in a country’s exchange rate. Arbitrage is the systematic purchase of a good or service from one location at a very low price, and selling it in another location at an exceedingly high price. In exchange markets, arbitrage is used by traders by exploiting weaknesses in computerized systems to make quick profits (Becker 123). 6. Purchasing parity refers to a system normally used in determining various currency values in relation to others. Purchasing power parity would hold when the price of commodities were equal in all countries (Becker 223). A free market economy where goods enter and leave borders may make purchasing parity a good estimate of a country’s currency. 7. The following shows how exchange rate growth is closely connected to differences in money growth, and real output growth across countries whereby the growth of real output leads to a money growth, which subsequently leads to increase in the exchange rate 1. The supply curve is upward sloping since the increase in the supply of Canadian dollars leads to an increase in the value of Icelandic Krona. This may arise due to increased inflation in Canada and poor monetary economic policies. 9. The above graph shows that an increase in the Canadian dollar value leads to a corresponding decrease in the value of the Icelandic Krona. This may take place due to an increased demand

NURSNG ROLE Research Paper Example | Topics and Well Written Essays - 1500 words

NURSNG ROLE - Research Paper Example The outline also focuses on the two main roles of the nurses, which are a helping role and a teaching and coaching role. These are further composed of various aspects that facilitate the running of the profession. The helping role encompasses the roles of a nurturer, and a direct caregiver. On the other hand, the teaching and coaching role is wider and encompasses aspects such as nurses as agents of change, managers, teachers, counselors and researchers. Further, the outline also brings into focus the aspect the nurse being a champion of the patients’ rights and needs. The nurse becomes the principal care provider for the patient in the hospital. Further, the nurses inform patients of their rights and helps in enforcing and safeguarding those rights. Introductory Paragraph In the past, around the mid-1800s, nurses used to be viewed as the subordinates, or handmaiden, to the doctors. Their roles were remarkably few and majorly involved doing what the physician ordered. Such inc luded looking after patients in the hospitals, straightening beds, feeding the patients, aiding the patients with the bandages and helping the patients find their way around hospitals. Nevertheless, a lot has changed since the mid-1800s. Today, nurses are professionals who have their own roles; separate and different professional roles from doctors. Doctors still write the orders as they did before. However, a nurse gets expected to know when such an order, dosage or a medication are wrong so as to follow the necessary procedures to indulge the physicians on such orders. Further, a nurse has nursing duties that involve assessment, coming up with a nursing plan, family and patient education, medication teaching, dressing changes among others. All these nursing roles fall under two main categories, which are a helping role and a teaching and coaching role. The Helping Role This is the most essential role of the nursing profession and is considered the traditional role. A number of thi ngs fall under this role and collectively facilitate the functioning of the nursing professionals. This role gets manifested in two distinct ways. These are the roles of nurses as nurtures and direct care givers. This care is directed to the human body. The Biblical reference to this role is 1 Cor. 6:19. This scripture reference talks about the body being the temple of God and thus, taking care of it is an imperative. Text Description The helping role is one of the most prominent roles of the nurses in the hospital set up. This role is patient-oriented. The nurse serves as a nurturer of the patient. Further, the nurse is responsible for providing all the necessities of the patients throughout their stay at the hospital. In addition to this, due the extensive interaction of the nurse and the patients, the nurse comforts the patient during their hospitalization. The nurses offer direct care to the patient. Further, they promote the comfort of the client, who is the patient. This role is best made manifested by the mothering actions relevant from the nurses. Such activities involve the knowledge and sensitivity to the matters that are relevant to the clients. In essence, the nursing roles are meant to show concern for the patient welfare. Further, the nursing roles take into account the need for the acceptance of the patient as a person. References Journal of Advanced Nursing,Volume 68,

Nest Coffee Essay Example for Free

Nest Coffee Essay 1. Batch: 2011-2014 Course Code: 50121308Course Name: Marketing II Roll #601 Assignment #302 †¢ 2. Brand Name: Nescafe Parent Company: NestleYear of Establishment of Nestle: 1866 IntroductioNestle was established in Switzerland by Henri Nestle n Year of Entering the Indian Market: 1961 First Plant set up at Moga, Punjab Brief Overview: In 1930 the Brazilian governmentapproached Nestle to create a new instant coffee that would give the consumer another option and at the same time increase the dwindling coffee exports of Brazil. It took eight years but in 1938 Nestle introduced Nescafe. †¢ 3. Product Range (in India) †¢ 4. STP Analysis Targeting A target market is a set of buyers sharing common needs or characteristics that the company decides to serve. Positioning. Position is the act of designing the company image to occupy a distinctive place in the minds of the target markets. A product position is the way the product is defined by consumer attributes Segmentation Market segmentation means dividing a market into smaller group with distinct needs, characteristics, or behaviour who might require separate products or marketing mixes. †¢ 5. Segmentatio n Geographical Segmentation Nescafe has divided the country into four segments i.e. Southern, Northern, Eastern and Western. The Southern Segment consumes the most amount of Coffee and prefers hard and roasted coffee. Where was in Northern region, Nescafe instant coffee is consumed in higher quantities. Demographical SegmentationNescafe has tried to segment every age group, families, region, gender and different socio-economic. †¢ 6. Segmentatio Past n Nescafe was targeted to morning people PresentNescafe is now targeting the Youth According to Andrew Ward, worldwide account director ofNescafe has launched a $30 millionglobal campaign, specifically aimed at 16-24 years old. Use of Youth Icons like Purab Kohli, Vir Das and Deepika Padukone as According to McCann-Erickson Brand Ambassadors World Group, coffee is the most popular drink among the youth. †¢ 7. Examples NESCAFE CAPPUCCINO Targeted to †¢ Premium urban consumers †¢ Core audience aged 17-30 †¢ Concentrates on the theme of â€Å"The magic world of endless pleasure†. NESCAFE CLASSIC Targeted to †¢ The urban professional †¢ Core audience aged 20-30†¢ Concentrates on the classic taste of coffee with the tagline â€Å"Coffee at its Best† †¢ 8. Positioning Nescafe’s positioning is â€Å"1 coffee cup, 1 good feeling † The TVCs and all Promotional Messages focus on passing love between two person. Sharing a cup of coffee is shown as a symbol of sharing happiness. The Red Nescafe mug is another popular symbol which associates the Brand Nescafe with the concept sharing happiness. Nescafe Classic is positioned as â€Å"100% Pure Instant Coffee† Nescafe Cappuccino is being positioned as â€Å"A true Cafe† †¢ 9. Tvc and Print Ads They all focus on positioning the brand as a symbol of shared happiness.

Chevrolet Advertising :: Marketing Advertisement

Missing Figures/Works Cited Genuine Chevrolet Advertisers create ads in magazines to catch the eyes of readers and encourage them to want to buy the product. Each advertisement includes claims, warrants, and supports, which make the advertisements attractive. For example, in the attached advertisement for Chevrolet Cavalier, each of these ideas used, makes the reader want to go out and buy this car. In the advertisement, there are many catchy phrases and pictures which make the car look very desirable. Furthermore, the general nature of a magazine such as "People," where the ad is found, it attracts people of all types. As displayed in the Chevrolet advertisements, claims, warrants, and supports are used to attract people of all types. Claims in the advertisements are used to try and get people of all types to notice, admire, and eventually go out and buy this car. There are three different types of claims: policy, fact, and value. The claims of policy in this advertisement are similar to most claims of policy in ads, which are, "buy this product." The claims of policy are created by the pretty picture on the opposite side of the page, and the writing on the ad. In the picture, the pretty mountains and bright sun look very inviting to someone who needs sometime to relax. By the desire to have free time, the busy worker will think that the car will get them some free time. Then, they will want to buy the car. The writing includes lines such as, "Finally. After working for what seems like forever, you have some time to yourself." Although this quote really does not have much to do with the car, it attracts the reader who may want some free time. The claims of fact include the statements about how many miles the car can go before needing a tune up and how it fits a low budget. These kinds of claims can attract people of all kinds, mainly people looking to spend little on a car for themselves or for their children. The claims of value state that this car can take you wherever you want, and that "even though going out during your free time may cost a lot, getting there won't." From these examples of claims of policy, fact, and value, the car looks very attractive to a reader.

High School Sports Importance

High School Sports Most high schools have at least four sports they offer to their students. In many districts, there must be an equal amount of sports for boys and girls. Some even have co-ed sporting clubs. High school sports have been a vital part of the high school curriculum for many years. For years the school districts have realized the importance of sports. However, not all parents fully realize the importance. Some children are not even allowed to participate in school sports, because of the cost, the time commitment, or the possibility of injury.The truth is that high school sports are more than just fun. They are great tools to helpstudents learn about life. They can teach students who are involved many things. Teamwork, cooperation, and leadership are several things students can learn from school sports. They can take these things into their everyday lives as well. When they build confidence on the sporting field, they are also building confidence against the world. They will be able to work well with others in all other areas of life as well. High school sports are also the perfect way to keep teens away from drugs and other dangerous behaviors.Coaches are great role models that can often encourage players to be well behaved. Some schools even have limits on GPAs for their athletes. If a student athlete’s grades fall below a certain point, they cannot play. Students who love sports will do anything to play, including study more. They will also be less likely to try drugs or break the law in any other manner. So, allow your children to participate in school sports. Get involved and make friends with the parents of the other students as well. The whole family can have a great time and learn about sports together

Gonzales V. Raich

Pace University Michael Khoo LAW 101 Gonzales v. Raich(545 U. S. 1 (U. S. Sup. Ct. 2005)) I. FACTS Angel Raich and Diane Monson (plaintiffs) suffered from serious medical conditions and the only effective treatment was the use of Marijuana which was recommended by the doctors. In 1996, a California statue, under the name of The Compassionate Use Act, was established to legally allow marijuana to be used only for medicinal purposes. Monson cultivated her own Marijuana for her own usage as she relied on it heavily for daily functions.The Drug Enforcement Administration (defendant) came to Monson’s house, discovered the cannabis plants and destroyed all six of them. Raich and Monson sued the DEA to obtain an injunction that would inhibit the enforcement of the federal Control Substance Act (CSA) on Monson. The CSA classifies marijuana as a controlled substance. Raich and Monson claimed that enforcing the CSA would violate the Commerce Clause and the Due Process Clause of the Fift h Amendment. II. JUDGEMENT Angel Raich and Diane Monson (plaintiffs) won the case.The Drug Enforcement Administration (defendant) lost the case. III. LEGAL PRINCIPAL A. ISSUE Whether Congress’ power to regulate interstate markets for medical substances encompasses the portions of those markets that are supplied with drugs produced and consumed locally. B. HOLDING No. IV. REASONING A. GENERAL ANALYSIS In this Constitutional Case, the Controlled Substance Act (CSA) gives Congress and the Federal government the right to confiscate and/ or destroy any discovered controlled substances.Marijuana is considered a schedule 1 controlled substance due to hazards, high potential for abuse and lack of medicinal benefits. The Compassionate Use Act was created in 1996 in California as a statue that legally allows Marijuana to be used only for medicinal and medical purposes. The argument used against the DEA for enforcing the CSA on the plaintiffs is that it would be a violation of the Comme rce Clause which is a major component of the Fifth Amendment.The Commerce Clause establishes that the congress has the authority to oversee, regulate and intervene in interstate commercial activity. B. APPLIED ANALYSIS The Controlled Substance Act’s jurisdiction was used by the DEA to destroy Marijuana in Monson’s house because of the simple fact that Marijuana is categorized as a Schedule 1 controlled substance. However the plaintiffs argue that such action would take away the power of the Commerce Clause of the Fifth Amendment which states that the federal government body has the authority to overlook and regulate interstate activity.Nowhere in that clause does it give the federal body the power to regulate intrastate activity which is the case of the cultivation of marijuana in Monson’s house. In addition to that, the Compassionate Use Act supports the cultivation of marijuana in Monson’s house because Monson is a patient who was severely ill and whose life was dependent on the usage of Marijuana for recovery. According to the circumstances of this case in which the possession of marijuana was due to health, medical and medicinal reason, and for abuse purposes, the Supreme Court has overruled the DEA to execute the CSA on Monson.

Societal Separations essays

Societal Separations essays Southern economic growth was different then that of the North. Northerners looked down towards the Southern way of living. The South was still mainly a rural area, while industry was growing hastily in the North. Some Southerners wanted industrial growth, but the factories in the South were unlike the rising industry of the North. The ways of the North and South were beginning to deviate. The Southern factories were smaller then the Norths because they had trouble raising the finances to build. In order to raise the money to build they needed to sell slaves. This was an alternative that the Southerners were not prepared to take. Southern industry also brought around anti-slavery beliefs through Northern whites which caused dissension with slave owners. Another reason that the South was diverging from the North was the difference in public education systems. Southerners did not want to tax land to support education and they rejected required education. They did not make use of written documents often nor did they communicate with educated Northerners. The South did not see the need for better education. Northerners saw the South as if it were regressing due to their belief that industrial growth brings enrichment. Although the southerners did not grow as the North was accustomed, they were still successful in agricultural areas. By the year eighteen-sixty, southern agricultural developments brought their income above the national average. Regardless of Northern views, southerners counted on cotton as their cash crop, as well as other crops, and benefited from them significantly. ...

Are AP Classes Worth It Should You Take Them

Are AP Classes Worth It Should You Take Them SAT / ACT Prep Online Guides and Tips If you're in high school, you've probably heard about AP classes. You might have even taken some already. But is all the hard work that goes into an AP class actually worth it? We think AP classes can be a great choice for students, as long as you’re well prepared, get a lot out of the class, and align your schedule to work with your college goals. However, AP classes might not always be the best choice. Keep reading to learn when AP classes are a good idea and when they're wasting your time- as well as what steps you must take to build an optimal schedule. How AP Classes Can Be Worthwhile: 4 Benefits There are several compelling reasons to take AP classes in high school. We'll discuss the different ways taking AP classes can help you discover new interests and make you a competitive applicant for college. #1: You Can Get a Challenging, Rigorous Academic Experience AP classes exist to expose high school students to college-level courses. Even though you’re taking the class at your high school, AP classes tend to have harder, more detailed curriculums than your typical high school classes do. So if you’re looking to take more difficult classes or want to impress college admissions offices with a rigorous schedule, AP classes can be a great way to up the rigor of your schedule. (As we’ve discussed in the past, AP classes are just one way to signal to colleges that you're taking the most challenging schedule available to you as a high school student.) AP classes are also useful for showing off a particular academic strength. For example, if you’re strong in math, taking AP Calculus BC and getting a 5 on the test is a concrete way to demonstrate your skills to admissions committees. #2: You Can Earn College Credit If you pass the AP test at the end of the school year (meaningyou get a score of 3 or higher), you will be eligible to receive college credit for that test. This processcan vary at different colleges. While some will grant you actual course credit, allowing you to graduate faster and therefore save time and money, others will use the AP credit to put you in harder classes as a freshman. Either way, AP credit can be very helpful! We recommend looking up the AP credit policies of schools you’re interested in to get a better idea of how the AP classes you want to take could save you time and/or money in college. #3: You Can Learn Time Management and Self-Study Skills Maybe this isn’t the most exciting reason, but taking AP classes can really improve your studying skills. Since AP classes culminate in a cumulative test at the end of the school year, you can’t just go from unit to unit as you can in other high school classes.Rather, you need to ensure you're retaining information the whole year and have a foolproof study plan for the AP test! While any good AP teacher will include review sessions in their curriculum, since there is limited classroom time, students will inevitably have to do some studying on their own. Speaking from experience, I learned a lot of my time-management and study skills by taking AP classes in high school. Every year, I made my own study schedules in the spring to make sure I was prepared for each AP test. Making study schedules and sticking to them ultimately helped me develop more effective time-management skills, which were invaluable in college! #4: You Can Explore New Interests Although some AP classes build off a typical high school schedule (particularly the math, English, history, and science classes), many others are more specialized. Taking these AP classes can allow you to explore specific fields of study as a high school student. Here are some examples of specialized AP classes: AP Micro and Macroeconomics Computer Science Psychology Art History Human Geography Statistics While you can definitely take these courses in college, taking the AP version in high school gives you early exposure and can help you discover a unique academic interest. A specialized AP class can also add a fun, interesting twist to your typical routine of math, English, science, and social studies. How AP Classes Can Waste Your Time: 5 Scenarios Taking AP classes can be helpful for a variety of reasons. But if you slack off, don't get much out of the material, or (worst of all) fail the exam, the AP program loses a lot of its benefits. In this section, we give you some reasons why the AP program might not be the best choice, and offer tips for making the most of your schedule. Scenario 1: You Fail the AP Test While an AP class isn’t a total waste if you fail the test- you still get the academic experience of a harder class, after all- it’ll be much less beneficial. As we discussed, you need a passing score in order to get college credit for an AP class.Without a passing test score, your AP class will be a lot less useful. What's more, colleges will look to see whether you passed the AP test. If you didn't pass, the AP class loses a lot of its admissions benefit. Even (or especially!) if you get an A in the class, that would just mean your class was too easy compared with those in the rest of the country. In short, how good an AP class will be for you hinges on whether you pass the exam or not. Scenario 2: AP Classes Ruin Your GPA Even if you pass your AP tests, if AP classes dramatically drag down your GPA, they won't be worth taking. Colleges want to see that you’re taking the hardest classes available to you, but they also want to see that you’re mostly succeeding and that you know your limits! This doesn’t mean that getting an A- in Calculus BC is a bad thing, though. (In fact, an A- in Calculus BC is more impressive than an A in regular Calculus.) What this does mean isthat taking four AP classes and getting Cs in all of them will not look good. As a general rule, don’t worry about an AP class knocking your usual grades down one half step- that is, an A to an A-, or an A- to a B+. But if you see a full grade drop, even in one class (A to B, B to C, etc.) that’s cause for concern. You should either make serious changes to your study schedule or, if you continue to struggle, consider dropping down to the regular course. This is why not overloading and knowing your strengths is important when signing up for classes! Scenario 3: You Don't Get Much Out Of the Class Even if you pass an AP class and the test, if you personally feel like you didn’t learn much or if the class didn’t improve your study skills, it might not have been worth it. Even if you get college credit for a particular class, it won't be worth it if you decide to take the same version of that class in college. It’s also not worth it if the class doesn’t significantly improve your studying or academic skills. Since all AP classes have a pretty big cost in terms of time, if they’re not serving to develop your academic interests or improve your skills, they’re likely not worth taking. This effect is more dramatic if you’re overloading on AP classes: the fourth AP class you take in a year might not add as much to your skills as it’s taking away from your time. For example, if you’re heading toward a humanities major in college (English, Economics, Political Science, etc.), trying to cram in AP Statistics and AP Calculus your senior year might not be helpful. You’re not likely to do a lot of deep learning in either math class if you’re also busy with college applications and other commitments. And if you don’t do well in these math classes, you might have to retake one in college anyway. Or, let's say you’re a future computer science major going out of your way to fit in an AP Human Geography class, just so you can have another AP class. This, however, likely won’t add much to your schedule, and if it’s not a personal interest, you probably won’t get much out of it. To sum up, if you're taking an AP class just because it's AP, you should reconsider taking it. You don't want to be this guy. Scenario 4: AP Classes Become Your Main Extracurricular While AP classes can be great- academically rigorous, cost effective, interesting- if they’re taking away from the rest of your schedule, those benefits begin to shrink. For example, if you neglect studying for the SAT/ACT because you’re so busy with AP classes, this can really hurt your college admission chances. We strongly recommend taking adequate time to study for the SAT/ACT, since having a high score can greatly boost your college admission and scholarship chances. Furthermore, if you stop getting involved in extracurriculars because you’re too busy studying, that doesn’t help your college applications, either. We’re not saying you need to be a perfectly well-rounded student who's in 10 clubs. But we do think it’s important to a have a few strongly developed interests- and overloading on AP classes can take away from that. In short, AP classes should enhance your schedule and indicate your academic interests- they shouldn't be your chief extracurricular. Scenario 5: You Burn Out in High School Even if you do really well in all your AP classes, you need to have the big picture in mind. If you graduate senior year completely exhausted and struggle your freshman year of college, you’re setting yourself up for a substandard college experience. Remember that the goal of AP classes- and high school in general!- is to be prepared to do well in college. Taking one less AP class but staying more sane and balanced might actually help you more in college than overloading your schedule with APs. If you’re feeling overwhelmed by your AP schedule, don’t feel bad about dropping an AP class. If dropping that class allows you to do better in your other classes and stick to your commitments, it will be better for you in the long run. You don't want to be running on empty during your freshman year of college! Next Steps: Should You Take AP Classes? As you know, AP classes can give a huge boost to your college applications, but they can also hurt your college chances if you're not careful. So how do you make sure you're getting the most out of your AP classes? Follow the steps below to make sure your AP schedule is challenging but not overwhelming. Step 1: Learn the Reputation of AP Classes at Your School Learning the reputation of AP classes at your high school can help you decide if taking certain AP classes is worth your time. There is a huge amount of variation in how AP classes are taught at different high schools. You'll struggle if an AP class is poorly taught or overly difficult. On the flipside, a well-taught class might not only help you pass the AP test, but also help you discover a new academic interest. Talk to your guidance counselor, older students, and other teachers at your school to get a sense of which AP classes have positive buzz- and which ones have a reputation of being overly hard or poorly taught. Don’t necessarily avoid a hard class, especially if it’s in an area of interest for you. Also, don’t sign up for multiple AP classes with especially tough reputations the same school year. But if an AP class has rave reviews at your school, strongly consider adding it to your schedule! Step 2: Consider Your College Goals Knowing your college goals can help you decide between AP classes or how many AP classes to take. For example, if you’re aiming for your local state school and want to complete as many general education requirements as possible during high school, you should focus on core subject AP classes, such as Calculus, Literature, Biology/Chemistry/Physics, and US History. However, if you’re trying to get into top colleges, you'll want to use AP classes to demonstrate your academic strengths. In this case, your AP classes might be more concentrated in either math/science or the social sciences/humanities, depending on your interests. Check out our in-depth guideto learn moreabout choosing the right number of AP classes based on your college goals. Step 3: Talk to Your Guidance Counselor Your counselor will be able to help you come up with a challenging but manageable schedule. She'll also have a sense of your school’s context, including how many AP classes students take on average, which teachers get the best AP test results, and how to build a challenging schedule that doesn’t overload on AP. Even if you don’t have a close relationship with your counselor, it’s her job to know about school context, and she has lots of important information.So don’t be afraid to make an appointment and talk through your AP plans with your counselor! Step 4: Remember the Big Picture Your goal in high school is to learn as much as possible and be prepared for college. Taking one extra AP class is not going to dramatically affect your future, but cultivating a strong academic or extracurricular interest will. Try to create a course load that is both challenging but reasonable, and definitely don’t hesitate to drop something from your schedule- e.g., an AP class, a sport, volunteering- if you’re feeling like you’re reaching your breaking point! What’s Next? Need more help picking AP classes? Learn about the hardest and easiest AP classes you can take. AP classes are great, but they’re not going to guarantee admission to college. Learn why a high SAT/ACT score is the best single way to improve your chance of admission to a competitive school. Studying for the SAT or ACT?Check out our in-depth study guides to the SAT and ACTfor expert tips and the best study materials available online! 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Law Of Banking And Financial Institutions Benchmark Assignment

Law Of Banking And Financial Institutions Benchmark - Assignment Example When dealing with people and capital, conditions are always at stake. These conditions and the possible conflicts warrant legislation and regulations. Banking and the financial institutions, in general, are intensely regulated by the law. The legislation that has been set aside focus on regulating relationships between the financial institutions and its clients, the institutional securities, transaction and also regulate the tax compliance of the institutions. The need for legal help in banking is a common observation in the financial world. One section of banking that requires strict regulation is private banking. This is the part that involves personalized financial depositing of capital into a financial institution by an individual who has access to high income and therefore has no problem investing in the financial institution in large sizable assets (OConnor & Faille, 2000). The services are, therefore, offered in more personalized terms. In this case, the possibility of entering into a contract without full information is real. In addition, there is a danger of being shortchanged in the process. The legislation, therefore, co mes in to secure the instability of private banking. The risk with private banking including money laundering and litigation must be controlled by the government through the Office of Comptroller of Currencies (Schooner & Taylor, 2010). 2. The instability in the US banking sector in the early years was based on two issues. First, there was a level of inexperience that covered the banking industry. The lack of experience in identifying risks and responding to them led to the ultimate vulnerability. This failure was seen as many of the banks, especially those that were started just before the great recession in the 1930s failed to survive the crisis.

Explain why sea level histories, coastal sector by coastal sector, Essay

Explain why sea level histories, coastal sector by coastal sector, will vary. How are the histories assembled What is the best substitute for a welldated loca - Essay Example In terms of conservation measures it is noted that the Earth's crust has varied terrain and topography that each require exclusively special techniques for sustainable consumption. The paper specifically inquires into one such terrain - coastal zones - in one specific country - Australia. It is not only present consumption levels that must be sustainable but also future ones that accrue through present and future development. The coastal zone, anywhere, is a combination of different types of terrain and topographies and techniques used to conserve it under separate forms of human exploitation are all housed under one countrywise policy - integrated coastal zone management (ICZM). In the context of the paper ICZM shall be reviewed in the context of sea-level histories in special relevance to the Commonwealth of Australia. "Everybody wants access to the coast. The.coast is where people want to live, do business, create development and where people want to recreate (Holliday, 1998) (Derived: Ed. Lazarow et al, 2006). This simple quote puts in a nutshell the types of human exploitation that coastal zones may be subjected to. Australia has a coastal zone that extends almost 36,000 km, excluding external territories, and is considered one of that country's greatest assets (National Cooperative Approach, Australia, 2006). The 'National Cooperative Approach to Integrated Coastal Zone Management, Framework and Implementation Plan' is a report produced under the 'Natural Resource Management Ministerial Council', Commonwealth of Australia. The wide biodiversity thriving within this extensive zone exists in an interaction among the interesting mix of terrestrial, marine and estuarine ecosystems that are generated by the wide-ranging array of climatic, geographical and oceanographic variants (National Cooperative Approach, Australia, 2006). The variants within the habitats and life-forms require as wide a range of conservation measures and these measures are further complicated by the wide-ranging varieties of human activities this broad band of Australian territory attracts. Taking into consideration this wide r ange of factors that have to be assimilated in conjunction to enable positive conservation under projected levels of future consumption, partly derived from development, a result-oriented ICZM plan for the extensive Australian coastal zone is highly complex. This is borne out by the fact that the 'State of the Environment Report (2001)' that notes that, despite efforts at efficient CZM (coastal zone management), zonal quality, as per diverse predetermined criteria, continued to deteriorate and the rate of consumption of coastal resources continued to increase at a rate that would be unable to provide sufficient time for already jeopardized resources to recover (National Cooperative Approach, Australia, 2006). This last noted fact emphasizes the importance of this paper that strives to ascertain how sea-level histories can assist in ICZM. This is how the next part of the paper is