Writing Self-Reflection Essay - 759 Words

Providence when not divine ,it is foresight was a thought that was always haunting me from childhood,little knowing that later in my life the writer in me is taking its shape.At times I thought why I could not solve problems academic as well as personal by using the same kind of thinking which we used when we created them ,as my greatest problem was what to do about all the things I couldnt do anything about. Time passed and I set sails for SJSU.On arriving here ,I realised that I had grown wings and my perception of life had changed,so had ,my line-of-thought.Earlier, it was a kind of guided writing ,but now it had turned innovative, having an original subtle learning towards thought provoking themes that were inspired by†¦show more content†¦In retrospect, I see a change that has effected my personality inwardly as well as outwardly.This impact has groomed me inside out that itself speaks volumes as its a transformation for the better,for ever ,looking back I see the timid girl.who knew the basis of language such as the parts of speech of figures of speech, but was reluctent to use them without any constarints. Times have changed and so have I.The recluse in me has vanished.I am vibrent, communicative, expressive,innovative in all spheres .I have realized that English language has a magical touch of transformations ,while computers give it a proffessional look.Its a complete package that has many takers ,but few gainers,as I believe that one can only reap benefits if one puts her heart and soul with full effort at that zenith hour of learning when the tanticles of knowledge are in an active receptive mode.The human is actively assimilating andShow MoreRelatedWriting Self-Reflection Essay716 Words   |  3 Pagesgrowth. I have really learned to enjoy the writing process and the workout of just writing. When I started the course I had not worked out in such a long time. My muscles had started dystrophy they were weak. My muscles had had never been worked out like this before. I had no real understanding how to work them out. Or where to go once I had started to work out. Now I have a dri ve to work out every day. I have fallen in lust with where my muscles (writing) are taking me. The ability to just flexRead MoreSelf Reflection On My Writing And Learning Process Essay1554 Words   |  7 PagesSelf-reflection on my Writing and Learning Process I think self-reflection, or a careful cogitation of one’s personal work, is very important. It will help me think about my strengths and weaknesses in my writing skills and learning process, so that I can improve my weaknesses in the future and become a better writer. I believe, I have many strengths and many weaknesses that can be seen transparently through my drafts, revisions, and final essays, or writings, this semester. My overall strength includesRead MoreEssay about Self-Reflection: Writing Composition1410 Words   |  6 PagesI have always enjoyed writing, and I believed writing was a subject I was naturally good at. I turned in papers that were still rough drafts, I did not evaluate my sources, nor did I ever take the time to fully understand the prompt. It was not until my first semester of college, in my writing composition course, I realized that I had a lot of work ahead of me to be as good a writer as I thought I was. In the writing course, the students were req uired to compose several essays using different methodsRead MoreEnglish 111 Evaluation Essay623 Words   |  3 Pagesthinking and the fundamentals of academic writing. This is a prerequisite English class for higher-level English education. By the end of this course a student will have gained a great deal of practice in the craft of writing. This essay will evaluate the English 111 textbooks, essays, self-reflections, the instructor, and what I personally learned. The English 111 textbook had effective sample essays and diagrams of outlines. The Successful College Writing Textbook is the textbook used for the EnglishRead Morestudy skills988 Words   |  4 Pages Using critical self-reflection to improve and refine my study skills Using critical self-reflection to improve and refine my study skills Critical self-reflection refers to analysing one’s personal skills and qualities in depth. Critical self-reflection also involves being able to identify where one has strengths and weaknesses, as well as finding a solution on how to better ones self. In this essay I shall be writing about how critically reflecting on theRead MoreThe Activity Of Doing Action Research Among Iranian Teachers1540 Words   |  7 Pagesinterviewing with professional teachers, since reflection is an unfamiliar terminology among Iranian learners and teachers which has not been practically used yet. Thus, they can gain the best possible reflective and successful as well as practical and effective outcome. Teachers on the other hand have the responsibility of helping the students which could guide them to become better, autonomous learners through different procedures and ways of reflection. As the results which were investigated in advanceRead MoreReflection On Simkin Et Al899 Words   |  4 Pages 105-003 Assignment #1 – Reflection on Simkin et al.’s Study For more than the past 30 years, study after study has indicated that graduating university students in America greatly lack the necessary writing skills to flourish in the workplace. In their 2012 paper â€Å"Student perceptions of their writing skills,† Simkin et al. outlined a variety of possible explanations for these troubling findings. They, however, chose to explore two of the many possible reasons for this rising writing problem: universityRead MorePRS Coursework 11224 Words   |  5 Pagesdiscussing the module overview and after attending lecturers for the first four weeks, the misconception of the module being a theoretical one was corrected the moment I realised that the learning skills that were presented such as learning styles and reflection were very practical and applicable to my everyday life. I was caught up in my thoughts, thinking about my past experiences and how differently I would have approached learning if I had prior knowledge of these learning skil ls. Even though I hadRead MoreLessons Learned Paper1448 Words   |  6 Pageseye-openers that revealed development and improvement as a doctoral student. In the last five days, various lessons and experiences were taught and learned but the most important lessons for me include the learning team experiences, scholarly writing, and reflection on the lessons learned. Learning Teams During this residency experience, I acquired a lot about learning teams. In my academic and professional experience, I have been a part of numerous teams. I have had some bad encounters with teamsRead MoreArt Is An Expression Of Human Emotions And Creativity Essay968 Words   |  4 Pagesoutlooks. But what is art? It is an expression of human emotions and creativity. This can be through varied forms such as writings, sculptures, and paintings. Although, not everything is considered art. There is a defining line between what is art and what is not. For it to be art, it must go through three steps. They are: thought process of the artist’s process of construction, self-evaluation, and critical reception. Which are all art forms within themselves. Art is not merely the end result of hard

Fi515 Chapter 1 Mini Case Free Essays

MINI CASE a. Why is corporate finance important to all managers? Corporate finance is important to all managers because it provides managers the skills needed to identify and select the corporate strategies and individual projects that add value to their firm and forecast the funding requirements of their company and devise strategies for acquiring those funds. b. We will write a custom essay sample on Fi515 Chapter 1 Mini Case or any similar topic only for you Order Now Describe the organizational forms a company might have as it evolves from a start-up to a major corporation. List the advantages and disadvantages of each form. The organizational forms a company might have as it evolves from a start-up to a major corporation are proprietorship, partnership, or corporation. The advantages of a proprietorship are: †¢Easy and inexpensive to form, †¢Subject to few government regulations, and †¢Income not subject to corporate taxation. The disadvantages of a proprietorship are: †¢May be difficult to obtain the capital needed for growth, †¢Unlimited personal liability for the businesses’ debts, and †¢Limited to the life of its founder. The advantages of a partnership are: †¢Relatively easy to establish, †¢Increased ability to raise funds, Prospective employees become attracted to the business if given the incentive to become a partner, †¢May benefit from the combination of complementary skills of two or more people, †¢Can be cost effective, and †¢Provide moral support and will allow for more creative brainstorming. The disadvantages of a partnership ar e: †¢Partners are jointly and individually liable for the actions of the other partners, †¢Profits must be shared, †¢Disagreements can occur, †¢May have limited life, †¢Has limitations that keeps it from becoming a large business, †¢Partners have to consult with each other before making decisions, and †¢Unlimited liability. The advantages of a corporation are: †¢Unlimited life, †¢Easy transferability of ownership interest, and †¢Limited liability. The disadvantages of a corporation are: †¢Earnings may be subject to double taxation, and †¢Complex and time-consuming set up. c. How do corporations go public and continue to grow? What are agency problems? What is corporate governance? Corporations go public and continue to grow by selling stock to outsiders or venture capitalists, attracting lending from banks or raising additional funds through an initial public offering (IPO) by selling stock to the public at large. Agency problems are conflicts of interest arising between creditors, shareholders and managers because of differing goals. Corporate governance is the relationship between all the stakeholders in the company. d. What should be the primary objective of managers? The primary objective of managers is stockholder wealth maximization, which means to maximize the fundamental price of the firm’s common stock and not just the current market price. 1)Do firms have any responsibilities to society at large? Yes, firms have responsibilities to society at large. Corporate social responsibility is operating a business in a manner that accounts for the social and environmental impact created by the business. This means a commitment to developing policies that integrate responsible practices into daily business operations and to reporting on progress made toward implementing these practices. 2)Is stock price maximization good or bad for society? Stock price maximization is good for society. Shareholders are members of society. Consumers benefit when companies develop products and services that consumers want and need, which leads to new technology and new products. Employees benefit generally when companies successfully increase stock prices, it opens up growth and addition for more employees. 3)Should firms behave ethically? Yes, firms should behave ethically. There is no room for unethical behavior in the business world. Most executives believe that there is a positive correlation between ethics and long-run profitability. Conflicts often arise between profits and ethics. Companies must deal with these conflicts on a regular basis. Failure to handle these situations properly can lead to huge product liability suits and even bankruptcy. e. What three aspects of cash flows affect the value of any investment? The three aspects of cash flows the affect the value of any investment are the amount of expected cash flows, the timing of the cash flow stream, and the risk of the cash flows. f. What are free cash flows? Free cash flows are the monies available for distribution to all investors after paying current expenses, taxes, and making the investments necessary for growth. g. What is the weighted average cost of capital? The weighted average cost of capital is the rate that a company is expected to pay on average to all its security holders to finance its assets. . How do free cash flows and the weighted average cost of capital interact to determine a firm’s value? Free Cash Flow = Sales Revenues – Operating Costs and Taxes – Required Investments in Operating Capital. Weighted Average Cost of Capital (WACC) is affected by market interest rates, market risk aversion, cost of debt, cost of equity, firmâ €™s debt/equity mix, and firm’s business risk. Therefore, free cash flows and the weighted average cost of capital interact to determine a firm’s value by the following equation: Value=FCF1+FCF2+ †¦ +FCF00 (1 + WACC)1(1 + WACC)2(1 + WACC)00 i. Who are the providers (savers) and users (borrowers) of capital? How is capital transferred between savers and borrowers? Households and some foreign governments are the providers (savers) of capital. Non-financial corporation’s net users and U. S. governments are users (borrowers) of capital. Financial corporations are slight users (borrowers), but almost breakeven. Capital is transferred between savers and borrowers by direct transfer, through an investment banking house, or through a financial intermediary. j. What do we call the price that a borrower must pay for debt capital? What is the price of equity capital? What are the four most fundamental factors that affect the cost of money, or the general level of interest rates, in the economy? The price that a borrower must pay for debt capital is called the interest rate. The price of equity capital is the cost of equity equals required return equals dividend yield plus capital gains. The four most fundamental factors that affect the cost of money, or the general level of interest rates, in the economy are production opportunities, time preferences for consumption, risk, and expected inflation. k. What are some economic conditions (including international aspects) that affect the cost of money? Some economic conditions (including international aspects) that affect the cost of money are country risk and exchange rate risk. Country risk depends on the country’s economic, political, and social environment. Exchange rate risk is dependent on the non-dollar denominated investment’s value. l. What are financial securities? Describe some financial instruments. Financial securities are pieces of paper with contractual provisions that entitle their owners to specific rights and claims on specific cash flows or values. Some financial instruments are: †¢U. S. Treasury Bills  ­Sold by U. S. Treasury  ­Default-free risk  ­91 days to one year – original maturity †¢Money Market Mutual Funds  ­Invest in short-term debt; held by businesses and individuals  ­Low degree of risk  ­No specific maturity (instant liquidity) †¢Consumer Credit Loans  ­Loans by banks/credit unions/finance companies  ­Risk is variable  ­Original maturity is variable †¢U. S. Treasury Notes and Bonds  ­Issued by U,S, government  ­No default risk, but price falls if interest rate rises  ­2-30 years – original maturity †¢Municipal Bonds  ­Issued by state and local government to individuals and institutions  ­Riskier than U. S. overnment guides, but exempt from most taxes  ­Up to 30 years – original maturity m. List some financial institutions. Some financial institutions are commercial banks, investment banks, savings and loan, mutual savings bands, credit unions, life insurance companies, mutual funds, pension funds, and hedge funds and private equity funds. n. What are some different types of markets? Some different types of markets are physical asset markets, financial asset markets, spot markets, future markets, money markets, capital markets, mortgage markets, consumer credit markets, and world, national, regional and local markets. . How are secondary markets organized? Secondary markets are organized by location and the way that orders from buyers and sellers are matched. 1)List some physical location markets and some computer/telephone networks. Some physical locations markets are New York Stock Exchange, the American Stock Exchange (AMEX), the Chicago Board of Trade (CBOT), and the Tokyo Stock Exchange. Some computer/telephone networks are NASDAQ, government bond markets, and foreign exchange markets. 2)Explain the differences between open outcry auctions, dealer markets, and electronic communications networks (ECNs). Auction markets are markets where participants have a seat on the exchange, meet face-to-face, and place orders for themselves or for their clients. The two largest auction markets for stocks are the New York Stock Exchange and the American Stock Exchange. The New York Stock Exchange is a modified auction with a â€Å"specialist. † Dealer markets are markets where â€Å"dealers† keep an inventory of the stock (or other financial assets) and place bids and ask â€Å"advertisements†, which are prices at which they are willing to buy and sell. There are often many dealers for each stock. A computerized quotation system keeps track of bid and ask prices, but does not automatically match buyers and sellers. Examples of dealer markets are the NASDAQ National Market, NASDAQ Small Cap Market, London SEAQ, and German Neuer Market. Electronic communication networks (ECNs) are computerized systems that match orders from buyers and sellers and automatically execute the transaction. It is a low cost to transact. Examples of ECNs are Instinet (U. S. stocks owned by NASDAQ), Archipelago (U. S. stocks owned by NYSE), Eurex (Swiss-German futures contracts), and SETS (London stocks). p. Briefly explain mortgage securitization and how it contributed to the global economic crisis. Mortgage securitization is the pooling of various mortgage loans and their usage as collateral to issue securities. This process allows the originator of the mortgage loans to restructure its balance sheet by reducing the receivables and using the funds received from the sale of securities to invest elsewhere. Mortgage securitization allows the originators of the loans to diversify their risk besides enabling them to secure immediate liquidity for assets which would otherwise have face some difficulty in trading. http://www. economywatch. com/finance/high-finance/mortgage-securitization. html) Mortgage securitization contributed to the global economic crisis in many ways. †¢Homeowners wanted better homes than they could afford. †¢Mortgage brokers encourage homeowners to take mortgages even though they would reset the payments to amounts that the borrowers might not have been able t o afford because the brokers got a commission for closing the deal. †¢Appraisers were over-appraising house values and getting paid at the time of the appraisal. †¢Originating institutions (e. . , Countrywide) were quickly selling the mortgages to investment banks and other institutions. †¢Investment banks created CDOs and got rating agencies to help design and then rate the new CDOs with rating agencies making big profits despite the conflicts of interest. †¢Financial engineers used unrealistic inputs to generate high values for the CDOs. †¢Investment banks sold the CDOs to investors and made big profits. †¢Investors bought the CDOs but either didn’t understand or didn’t care about the risk. †¢Some investors bought â€Å"insurance† via credit default swap. When the mortgages were reset and the borrowers defaulted on them, the values of the CDOs plummeted. †¢Many of the credit default swaps failed to provide insurance beca use the counterparty failed. †¢Many originators and securitizers still owned sub-prime securities, which led to many bankruptcies, government takeovers, and fire sales including New Century, Countrywide, Fannie Mae, Freddie Mac, and many more. PROBLEMS (2-6)In its most recent financial statements, Newhouse, Inc. reported $50 million of net income and $810 million of retained earnings. The previous retained earnings were $780 million. How much in dividends was paid to shareholders during the year? Dividends Paid= (Previous Retained Earnings + Net Income) – Recent Retained Earnings = ($780 million + $50 million) – $810 million = $830 million – $810 million = $20 million (2-7)The Talley Corporation had a taxable income of $365,000 from operations after all operating costs but before (1) interest charges of $50,000, (2) dividends received of $15,000, (3) dividends paid of $25,000, and (4) income taxes. What are the firm’s income tax liability and its after-tax income? What are the company’s marginal and average tax rates on taxable income? Taxable Income$365,000 Less: Interest Charges(50,000) Plus: Dividends Received4,500? $15,000(1 – 0. 70) = $4,500 Total Taxable Income$319,500 Tax Liability= $22,250 + ($319,500 – $100,000)(0. 39) = $22,250 + ($219,500)(0. 39) = $22,250 + $85,605 = $107,855 After-Tax Income: Total Taxable Income$319,500 Less: Tax Liability(107,855) Plus: Non-taxable Dividends Received10,500? 15,000(0. 70) = $10,500 Net Income$222,145 Marginal Tax Rate = 39% Average Tax Rate= Tax Interest Income/Taxable Operating Income = $107,855/$319,500 = 0. 33757 or 33. 76% (2-9)The Shrieves Corporation has $10,000 that it plans to invest in marketable securities. It is choosing among ATT bonds, which yield 7. 5%, state of Florida muni bonds, which yield 5% (but are not taxable), and ATT preferred stock, with a dividend yield of 6%. Shrieve’s corporate tax rate is 35%, and 70% of the dividends received are tax exempt. Find the after-tax rates of return on all three securities. ATT Bonds – $10,000 x 7. 5% = $750 Taxes = $750 x 35% = $262. 50 $750 – $262. 50 = $487. 50 ATT Bond Yield = $487. 50/$10,000 = 0. 04875 or 4. 875% ATT Preferred Stock – $10,000 x 6% = $600 Tax Exemption = $600 x 70% = $420 Taxable Income = $600 – $420 = $180 Taxes = $180 x 35% = $63 $600 – $63 = $537 ATT Preferred Stock Yield = $537/$10,000 = 0. 0537 or 5. 37% Florida Muni Bonds – $10,000 x 5% = $500 Not taxable, so no tax deductions Florida Muni Bonds Yield = $500/$10,000 = 0. 05 or 5% How to cite Fi515 Chapter 1 Mini Case, Papers

The Failure of Reconstruction Essay Example For Students

The Failure of Reconstruction Essay Reconstruction was a failure due to the opinion on race. Racism played a big part in the 1896 Plessey vs. Furguson case. Reconstruction began in 1865 and ended in 1877. Two goals were to rebuild the south and to reform society. Reconstruction should not be thought of as a bad idea. It was virtually impossible to just change ways in the south with out using some kind of force. Black codes did nothing but for the south but put them in further segregation. The black codes aloud a form of disguised slavery. They gave blacks the right to own land, and go to court; they still werent aloud to serve on a jury or aloud to vote. In the long run, black codes just made it easier for the people of the south to continue with their poor treatment towards blacks. A positive step did come for reconstruction in 1868. That was the 14th amendment, that stated that All persons born or naturalized in the United States and of the state that they reside (Thomas, 14) The amendment also declared that no state could make or enforce any law that restrain the privileges of the citizens of the United States. This amendment is clearly federal power over state power. This act was passed by congress to make sure that constitutionality of the civil rights acts (that made African Americans full citizen and guaranteed cirten right of citizenship, that completely went agents anything that had to do with black codes. With these new laws in place, Tourgee argued that the Louisiana law Separate but equal accommodations for the white and colored races on all passenger trains within that state, took away Plessey 14th amendment rights. The passage of the 1866 Civil Rights Acts and the fourteenth amendment marked the move toward racial reconstruction, which was controve rsial. (Thomas, 7) Right after following this positive step during reconstruction, came another racial act that prohibited the marriages between whites and people of other races. The compromise of 1877 put an end to reconstruction. Republican, Rutherford Hayes was elected over Samuel Tiden, who was a democrat. The two parties made a dele with each other. The deal that they agreed on was to get the federal troops out of the south. This left nothing to enforce the 14th amendment. With the 14th amendment not being enforced, in theory, the south could go back to treating slaves bad and continue slavery. Racism was so bad in the south, and in some parts of the north, that blacks began to feel like America was meant to be a white country. DeBois referred to this as a double consciousness (Thomas, 141) Blacks we being thought of by whites as violent brutes. Whites made fun of everything about them from their looks all the way down to their personalities. White power groups like the KKK made it hard for black to fit in or go about there daily lives, without being harassed. These are just some of the examples how racism was unfair and unequal to blacks. At the end of reconstruction, racism continued as if it never applied. My question is how can reconstruction work when you have people like John Tyler Morgan that said slavery was a custom and it was barbaric not to engage in it.? (Thomas, 64) It is obvious that he wanted to keep the color line and wanted no part in helping the problem at hand. He thought that the solution to the problem was to send all the blacks back to Africa. (Thomas, 73) .u098897258fa48a923917401bebbbb529 , .u098897258fa48a923917401bebbbb529 .postImageUrl , .u098897258fa48a923917401bebbbb529 .centered-text-area { min-height: 80px; position: relative; } .u098897258fa48a923917401bebbbb529 , .u098897258fa48a923917401bebbbb529:hover , .u098897258fa48a923917401bebbbb529:visited , .u098897258fa48a923917401bebbbb529:active { border:0!important; } .u098897258fa48a923917401bebbbb529 .clearfix:after { content: ""; display: table; clear: both; } .u098897258fa48a923917401bebbbb529 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u098897258fa48a923917401bebbbb529:active , .u098897258fa48a923917401bebbbb529:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u098897258fa48a923917401bebbbb529 .centered-text-area { width: 100%; position: relative ; } .u098897258fa48a923917401bebbbb529 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u098897258fa48a923917401bebbbb529 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u098897258fa48a923917401bebbbb529 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u098897258fa48a923917401bebbbb529:hover .ctaButton { background-color: #34495E!important; } .u098897258fa48a923917401bebbbb529 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u098897258fa48a923917401bebbbb529 .u098897258fa48a923917401bebbbb529-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u098897258fa48a923917401bebbbb529:after { content: ""; display: block; clear: both; } READ: The Giver (synopsis of main character) EssayAnother person that thought whites were the inferior race was Fredric Hoffman. He took measurement comparisons of the skull, chest and lung captivity. He main study was the lungs. He found that whites had far higher lung captivity, which in theory, made them less prone to disease, and in his eyes, the inferior race. Henry Field said blacks have not achieved anything, and they are stuck in mediocrity level of society. (Thomas, 102). Field denies social equality in the north, and admits to the color line. He feels that this is natural. The Plessey vs. Furguson case on May 18, 1896 was about the state of Louisiana that .