The Hazards of Risky Investments

Question: Describe about a Research Proposal in The Hazards of Risky Investments? Answer: Introduction In order to shield themselves from The Hazards Of Risky Investments Or Ventures, banks, investors and shareholders perform credit investigation of the health care organizations who apply for loans to banks or who issue shares in the market. Key piece of credit examination or analysis is financial examination or analysis done through taking into account monetary pointers. On the off chance that financial analysis or monetary examination gives attractive markers, banks perform more profound credit investigation which next to money related investigation likewise incorporates industry examination in which the association leads the business, their position inside of the business, nature of the administration and components of exchange structure such are contracts. fair examination of a credit candidate's such as that of an health care organizations money related angles gives significant data about its reliability. Investigation gives answer to address how the organization worked in past p eriod and it gives presumptions about future operations, i.e. whether the organization will have the capacity to reimburse credit commitments to bank or provide returns to the investors or shareholders. Financial analysis is performed on the part of banks taking into account financial and budgetary reports which organization delivers in the process of applying for a loan. These reports as produced by an health care organisation include income statement that depicts changes in profit earning performance which occurred in the organization over a financial year, balance sheet that shows money related position of the organization toward the end of an one year financial period, cash flow statement which offers assessment of different sources and use of cash in a financial year, report depicting changes in equity and accounting notes that contain data which are applicable for client's necessities about positions in accounting reports and in addition showcasing risks and vulnerabilities th at impact an organization (Berry, 2011). The accounting notes also contains data about topographical and mechanical sections, number of managers and staffs and other applicable information. Financial report analysis - horizontal and vertical Analysis of financial reports can be done through vertical as well as horizontal analysis. Financial reports can be understood in a better way in terms of comparisons and interrelations through both horizontal and vertical analysis (Oster, 2006). Vertical analysis The process of vertical analysis involves percentage examination of things from monetary report between two or more record periods and gives certain decisions about structure and changes in structure of benefits and liabilities. These progressions are then further broken down in point of interest, with the objective to comprehend watched changes. Vertical analysis depicts stakes in terms of percentages that are possessed on the part of various groups of stakeholders in the forms of assets. For vertical investigation or analysis of monetary record, absolute resources or total assets and aggregate or total liabilities are utilized as a base figure. For vertical investigation of statement of profit and loss, base sales figure is used which originate from offer of items, products and administrations on local and remote business sector. Horizontal analysis Horizontal analysis of financial reports speaks to correlation of parity positions in balance sheets of present and earlier year, and also positions in profit and loss statement of present and earlier year (Rees, 2008). It is indeed fact comparative examination of financial or money related reports. Point by point examination is required for distinguished changes as deviation, decrease or increment in estimation of position in financial or monetary report. Analysis of financial ratios Ratio analysis also known as proportion investigation of financial, accounting or budgetary reports speaks to each number which indicates connection between two elements in yearly financial records that include balance sheet, income statement, change of equity report and cash flow statements (Rodgers, 2008). In the context of a health care organisation, financial ratios or proportions are taken in to consideration in the process of investigation of credit candidate's business initiated on the part of credit officer of the bank. Signs got from proportion examination or ratio assessment lead credit officer to ask credit candidate certain inquiries and by that way finish money related investigation. Investigation or analysis of financial reports done by credit officers, put accentuation on capacity to give back the loan and dangers identified with credit candidate's business. With a specific end goal to rate credit capacity and business danger of credit candidate, credit officer must co nsider adequate number of ratios or proportions and focus their relationship (Rodgers, 2008). Ratio or proportion examination is advantageous in watching patterns in money related exercises of business entity, correlation of monetary qualities of particular business substance with other, business elements from the same business region or from the same branch and deciding reliance between elements which impact budgetary achievement of business element. Taking into account data assembled from specific pointers of ratio examination, financial indicator groups that can be recognized are profitability indicators, liquidity indicators, debt indicators, activity indicators and cost effectiveness indicators. Liquidity indicators During the time spent in analysis of ratios related to money related reports liquidity of credit candidate such as an health care organisation can be assessed. In this context, liquidity can be defined as the ability to repay within due dates and under characterized conditions thereby reflecting commitments toward banks (Wang, 2010). The major ratios capable of indicating liquidity position and performance of a health care organisation are current ratio, quick ratio, cash ratio and financial stability ratios. Current ratio Current ratio demonstrates organization's capacity to administer current liabilities with accessible current resources called current assets. This ratio is formed by studying connection between short-term liabilities and assets. Estimation of general liquidity proportion is contrasted with the same pointer in earlier year, and with proportions of the organizations from the same branch. On the off chance that the present proportion is underneath 1.5, there is a probability that the organization is not having enough short-term resources or assets for meeting short-term liabilities (Chattopadhyay, 2010). In the event that the estimation of current ratio or proportion is essentially higher than the sector average, this demonstrates that advantages are not utilized effectively in the industry and the organisation uses the current assets more efficiently than the industry as a whole. Quick ratio Quick ratio is calculated upon watching connection between current resources or assets less stock, and current liabilities. It ought to be min 1, which implies that present liabilities ought not be higher than current resources from which stock value has been deducted. Cash ratio Cash ratio has the ability to demonstrate the scope of current liabilities with money. It is trusted that this proportion should not be under 0.1 i.e. 10% (Chattopadhyay, 2010). Financial stability ratios Financial stability ratios indicate money related soundness of any organisation including health care organizations. This ratio is measured by putting in connection non-current assets or resources with long-term liability and equity. On the off chance that the ratio is higher than 1, it indicates shortfall of working capital. Debt indicators Debt indicators are the Obligation markers that point to the ways or mechanisms that are used by a health care organisation in the process of funding its assets. , i.e. how quite a bit of business is financed from own sources and how much from external sources such as loan (Bhattacharyya, 2007). These indicators or pointers speak to the level of danger for putting resources into an organization that is risk associated with investment. Health care organizations which are profoundly outfitted in terms of debt may have issues discovering new financial investors and thus lose financial flexibility, so they confront the danger of bankruptcy. Then again, if the ratio is under control and loans are utilized appropriately, it can bring about expansion of rate of profitability. Most broadly utilized debt indicators are debt-to-equity ratio, debt-to-assets ratio, equity-to-assets ratio, leverage factor and interest coverage ratio. Debt-to-assets ratio The debt-to-assets ratio or proportion demonstrates the degree to which an organization utilizes debt as one form of financing. The higher the proportion of debt against assets, the more prominent is monetary danger, and the other way around, the bringing down of the proportion of obligation to resources means lower money related danger (Buffett and Clark, 2008). The estimation of this proportion ought to be 0.5 or less. It can be ascertained by separating aggregate liabilities with aggregate resources. Debt-to-assets ratio = Total liabilities / Total assets Equity-to-assets ratio This ratio or proportion demonstrates how quite a bit of organization's value is included into organization's business. It is better if the worth is more than 0.5, which ensnares that organization is financed by its own value more than half. It is ascertained in the accompanying way: Equity-to-assets ratio = Equity / total assets Debt-to-equity proportion This debt indicator ratio demonstrates the extent of obligations or aggregate liabilities of an organization to its equity or value (Durham, 2001). This pointer becomes prominent with development of liabilities in value structure. Maximum point of confinement for this ratio is typically 2:1 (Buffett and Clark, 2008). High value of this marker focuses to conceivable challenges in returning acquired finances and interest installments. This ratio can be calculated in the following way Debt-to-equity ratio = Total liabilities / total assets Interest coverage ratio shows how much business earnings can drop without jeopardizing payments of interest. It gives information how much are interest expenses covered with companys earnings before tax. It is calculated in the following way: Interest coverage ratio =EBIT/Annual interest expense Higher result is desirable, because it means that the risk of not paying interest is lower. This indicator is good for orientation when deciding about asking financial organizations for a loan, i.e. it shows whether the credit applicant is in a position to pay interest cost for a credit it would potentially ask. Leverage factor shows how many years it would take for a credit applicant to pay its liabilities under existing business terms and profits. It is calculated in the following way: Leverage ratio/factor = total liabilities/(net profit + depreciation) Observed from the aspect of companys business security, it is implied that smaller leverage factor means higher security and vice versa. Controlling measure for this factor is 5 years, which means that if a company is able to repay all its liabilities within 5 years it is solvent and not overdue. Interest coverage ratio Interest coverage ratio depicts the extent to which earnings of a business can drop without putting payments of interest at risk. In other words, this ratio indicates the extent of coverage of interest on the part of EBT of an organisation (Bendrey et al., 2004). The same is true for all health care organizations as well. This ratio is calculated in the following manner Interest coverage ratio = EBIT/Annual interest cost. Higher result is attractive, in light of the fact that it implies that the danger of not paying interest is minimal. This marker is useful for introduction when choosing about approaching monetary associations for a loan, i.e. it indicates whether the credit candidate is in a position to pay interest expense for a credit it would possibly inquire. Leverage ratio Leverage ratio indicates the time that can be taken on the part of a credit candidate in the process of paying liabilities based on existing terms and conditions (Wang, 2010). It is figured in the accompanying way: Leverage ratio or leverage factor = total liabilities/(net income + depreciation) Observed from the part of organization's business security, it can be stated that small leverage ratio implies higher financial security and the other way around large leverage ratio implies lower financial security. Optimum measure in this context is 5 years which implies that if an organization has the capacity reimburse all liabilities within a period of five year, it can be considered solvent (Bendrey, Hussey and West, 2004). Activity indicators Activity indicators fall in the group of turnover ratios and are measures of achievement of an organisation in dealing with business assets (Morley, 2003). They demonstrate flow velocity of assets in a business process. General recipe for computing turnover proportion is: Turnover ratio = Sales / average balance. Average balance is calculated by considering sum of bookkeeping balance at the beginning and end of the year and after that divided with 2 [(previous year + current year)/2]. From the part of credit investigation, the activity ratios that are very important are current asst turnover ratio, total asset turnover ratio, accounts receivable turnover ratio, creditors turnover ratio and inventory turnover ratio (Brigham and Gapenski, 2003). Current asset turnover ratio This ratio or proportion demonstrates how frequently current resources of the organization are turned over during a fiscal year. This proportion measures proficiency with which an organization utilizes current advantages for make a benefit inside of a business cycle. It is figured in the accompanying way: Current asset turnover ratio = Sales/Average current assets Average collection period Average collection period can be calculated if turnover proportion is known. the same is ascertained with the accompanying equation Average collection period = 365/Turnover proportion Total asset turnover ratio This ratio indicates how often add up resources of the organization are turned over inside of a year, i.e. how effective is an organization in utilizing its assets for making benefit (Brigham and Gapenski, 2003). It is ascertained in the accompanying way: Total asset turnover = Sales/Average total assets Inventory or stock turnover proportion This ratio shows proficiency in utilizing and overseeing aggregate supplies, which has the impact on expansion in organization's benefit. It is figured in the accompanying way: Inventory turnover proportion = Sales/Average stock Low proportion implies that the organization is utilizing its benefits as a part of non-profitable way and focuses to stock of poor quality (obsolete, ruined). It is additionally conceivable that organization has specific measure of old stock which is not being utilized, while others have great turnover (Brigham and Gapenski, 2003). Too high stock turnover proportion focuses to actuality that the organization most likely regularly comes up short on stock and in this manner loses its clients. Account receivable turnover This ratio indicates what number of financial units of sales can be accomplished with 1 unit put in accounts receivable. It is figured in the accompanying way: Account receivable turnover proportion = Sales/average accounts receivable Average collection period Average collection period can be ascertained in the accompanying route: Collection of accounts receivables =365 days/Account receivable turnover proportion Average collection of records receivable may increase to imply that organization has an issue with gathering receivables and vice versa (Helfert and Helfert, 2001). Accounts payable turnover ratio This ratio shows in how long by and large an organization is paying its suppliers, i.e. how long are between snippet of procurement and snippet of paying the suppliers. It is computed in the accompanying way: Account payable turnover ratio = Value of total purchase of products and materials in a year/average accounts payable Profitability indicators Profitability indicators associate benefit with deals income and ventures, and by watching them altogether they demonstrate organization's business achievement (Johnson, 2008). Important profitability indicators are in the context of a health care organisation are gross profit margin, net profit margin, return on assets and return on equity. Gross profit margin This ratio indicates the amount of gross benefit is created per unit of business income. Each increment in estimation of this marker is consider being great, and abatement in worth focuses to challenges in organization's business and can be one of the pointers of business emergency (Palmer, 2012). Gross profit margin in ascertained in the accompanying way: Gross profit margin = Gross profit Net profit margin This ratio is the most exact marker of consequences of completed business exchanges and shows what rate of income is left as benefit which is at transfer to an organization. It is computed in the accompanying way: Net profit margin = Net profit / revenue Return on assets (ROA) ROA is organization's capacity to make benefit by utilizing accessible resources, that is, it demonstrates the seriousness of organization's advantages (Paramasivan and Subramanian, 2009). Return on resources can be ascertained in the accompanying route: Return on assets= Net profit / total assets Return on equity ROE) This ratio is an indicative of benefit of shareholder's value and indicates what number of money related units of benefit organization makes per unit of shareholder's value. It is ascertained in the accompanying route: Return on equity = Net income / shareholders equity When benefit of own value is contrasted with gainfulness of advantages with the interest which mirrors the expense of credit capital, it is conceivable to make decision about productivity of utilizing own capital contrasted with advanced capital (Shim and Siegel, 2000). In the event that productivity rates of own capital are high, significantly higher than rates of benefits gainfulness, organization would be better of utilizing credited capital, and the other way around. Effectiveness indicators Effectiveness indicators measure connection in the middle of benefit and cost, and show the amount of benefit is made per cost unit. These markers ought to be over 1, in light of the fact that the higher they are, the more benefit is earned per cost unit (Horrigan, 2011). Important effectiveness markers are Revenue to cost ratio calculated as total revenue / total costs and cost of revenue to sales ratio which is calculated as sales revenue / cost of sales. Conclusion Business achievement of each bank is indicated in its capacity to oversee dangers to which it's uncovered. Since credit exchanges convey the most elevated danger, they ought to be sufficiently assessed and this in turn aids in taking appropriate lending decisions (Horrigan, 2011). To bring down the level of danger to which they are being uncovered when affirming the credit to a business substance, banks perform money related investigation of credit candidate's business such as that of a health care organisation. The ability of an organisation in paying insurance premium can also assessed through credit analysis. In light of monetary investigation banks, i.e. credit officers assess money related quality and business execution of the customer altogether, and from that they assess ability of credit candidate to reimburse affirmed credit. Better performance in terms of credit repayment capacity can improve bond rating of the organisation. Reliability assessment of credit candidate's busi ness ought to be performed in views of balance sheet, income statement and cash flow statement. References Barrow, C. (2011). The 30 day MBA in business finance. Philadelphia: Kogan Page. Bendrey, M., Hussey, R. and West, C. (2004). Essentials of financial accounting in business. London: Thomson Learning. Berry, L. (2011). Financial accounting demystified. New York, NY: McGraw-Hill. Bhattacharyya, H. (2007). Total management by ratios. New Delhi: Sage Publications. Boatright, J. (2008). Ethics in finance. Malden, MA: Blackwell Pub. Brigham, E. and Gapenski, L. (2003). Financial management. Chicago: Dryden Press. Buffett, M. and Clark, D. (2008). Warren Buffett and the interpretation of financial statements. New York: Scribner. Chattopadhyay, P. (2010). Solvency and liquidity ratios. Bombay: Commerce. Cinnamon, R., Helweg-Larsen, B. and Cinnamon, P. (2010). How to understand business finance. London: Kogan Page. Durham, J. (2001). Sacrifice ratios and monetary policy credibility. Washington, D.C.: Division of Research Statistics and Monetary Affairs, Federal Reserve Board. Eiteman, D., Stonehill, A., Moffett, M. and Kwok, C. (2001). Multinational business finance. Reading, MA: Addison-Wesley Longman. Helfert, E. and Helfert, E. (2001). Financial analysis. New York: McGraw-Hill. Horrigan, J. (2011). Financial ratio analysis. New York: Arno Press. Johnson, R. (2008). Financial management. Boston: Allyn and Bacon. Melnyk, Z. and Barngrover, C. (2005). Cases in business finance. Homewood, Ill.: R.D. Irwin. Morley, M. (2003). Ratio analysis. Berkshire, England: Published for the Institute of Chartered Accountants of Scotland by Gee Co. Oster, S. (2006). Modern competitive analysis. New York: Oxford University Press. Palmer, J. (2012). Financial ratio analysis. New York, N.Y.: American Institute of Certified Public Accountants. Paramasivan, C. and Subramanian, T. (2009). Financial management. New Delhi: New Age International (P) Ltd., Publishers. Peirson, G. (2002). Business finance. Roseville, N.S.W.: McGraw-Hill. Rees, B. (2008). Financial analysis. London: Prentice Hall. Rodgers, P. (2008). Financial analysis. Oxford: CIMA. Shim, J. and Siegel, J. (2000). Financial management. Hauppauge, N.Y.: Barron's. Wang, M. (2010). Using liquidity, solvency and repayment capacity indicators to analyze representative farm service agency farms in Florida.

Magical Answers to Compare and Contrast Essay Toics for College Level Students Uncovered

Magical Answers to Compare and Contrast Essay Toics for College Level Students Uncovered The Chronicles of Compare and Contrast Essay Toics for College Level Students There are similarities irrespective of location, like the company chosen to find the movie, and the movie itself. If you're on the lookout for some topic ideas, however, then have a look at the subsequent list and maybe one or more will fit your fancy! You should begin by building a list of distinctive features or facts linked to your two topics. To collect such info, a detailed main research is demanded. Compare and Contrast Essay Toics for College Level Students Options 1 difference between both surfing and snowboarding isn't difficult to see. You can interest books, movies or articles which are discussing the exact same topic you're likely to approach in your essay. The topics you'll find here require a distinctive approach as you attempt to produce useful and accurate content. To start with, let us look a t some general topics. If necessary, you could always turn to professionals to supply you with a nudge or assist you with your topics or sources. For instance, you can select a topic for elementary, middle, or higher school. Obviously, many classes will assign your question, or supply you with a list of questions to select from. Compare and Contrast Essay Toics for College Level Students Help! Before you leap over a specific essay writing organization, search the web ruthlessly and locate the ideal choice for you. It is vital if you would like your writing procedure to be easier and clear. One thing which you should definitely consider when selecting a specific topic to talk about in your paper, is relevance. The major area of the research is carried out by examination of information sources like journals, books, articles and data sources on the particular subject. Even though a weak, rambling introduction will often indicate the subsequent essay also lacks clarity, a great introduction will permi t the reader know just what will happen through the paper. Furthermore, you can capture reader attention with the assistance of funny essay topics. So with no additional ado, here's what you need to understand about writing on any topic that comes your way. There are a lot of possible compare and contrast essay topics, and a number of them are difficult to perform. Introduction with the highly effective hook and thesis statement stays the same. You are able to restate your thesis statement and point out a number of the arguments used over the whole essay that backs it up. Knowing the Essay Topics The principal focus of the way to compose a research essay is essentially the issue to be researched upon. You see it is an unusual topic that might be quite tough to imagine or explain, but some students might just turn that topic into a masterpiece. The Number One Question You Must Ask for Compare and Contrast Essay Toics for College Level Students As a college student, you should give yourself the opportunity to experience all compare and contrast essay ideas. If you're referring to an essay for college level students, then you would want a topic that offers you a chance to display your degree of competency so far as understanding an issue. You don't necessarily must analyze the life span of people from precisely the same region or field of activity. Each day includes different scientific advancements. You simply need to order an excellent essay from experts with the greatest academic degrees in an assortment of fields. Conventional classes require students to attend class at a certain time and in a particular site. Both small and big universities can provide students with the opportunities to realize educational targets. The Ultimate Compare and Contrast Essay Toics for College Level Students Trick So far as the compare and contrast essay ideas or topics are involved, you're get lots of them a some of them are going to be simple, others are going to call for comprehensive analysis. The tremendous number of related problems, concepts and positions would make it rather challenging to draw any clear conclusions, and you would spend the majority of your time merely defining the many issues and concepts. Your definition ought to be different from the sources. Another subject has to be connected with the first one and offer clear reference stressing how they are similar or variou s. Details of Compare and Contrast Essay Toics for College Level Students Although you're just beginning to compose essays, you shouldn't struggle attempting to produce something to discuss. The important reason many writers fail is they don't go further. It is very important to mention that the idea doesn't need to be a good one. Or you're risking of getting blocked by bad understanding of your topic and inability to come up with the idea as it needs to be.

Essay Writing Introductions

Essay Writing IntroductionsEssay writing introductions are necessary in any school or college, and also to high school students that are just entering the educational arena. In most cases, essays are used to build up a discussion about a topic. Essays need to be able to give important information on the topic and to include a positive start for students to read, before they can continue with the paper.Essay writing introductions should be able to give details about the topic and create a strong foundation for the students to start with. An introduction is usually accompanied by an argumentation and some related papers to get the points across. Students should be able to have an opportunity to refer back to this introduction section in the future.This introduction is usually placed before the actual thesis. The argument is usually presented to the student and if they still do not grasp it, the introduction will bring it all together. This could easily make or break the project in some way.Students are encouraged to write their own introduction so they can express their thoughts on the topic without much assistance. The introduction must not contain much of the thesis, but it must also incorporate the argument the student had previously made. You can use the introduction as a jumping off point to give the reader the true message of the thesis you had created.The essay should present your important point clearly and succinctly. Without this, you will probably never get any points across. This part is generally provided by another person, since they would want to build a connection between the readers and the information they are attempting to deliver.The introduction could be used as a guide to the thesis statement or as a supporting argument. You could choose to mention this fact in your introduction and then list it down at the end of the thesis. Many students will keep this essayintact, even if they have finished the project.For instance, if you wanted to talk about creating you own website, you could use many different sources to show your website ideas about technology, including website design, website development, and web management. If you were a student in a high school, your high school counselor would probably let you know if you did well on your essay writing introductions. They will also tell you if your thesis is worthy of receiving their feedback.When using essay writing introductions, it is important to include an 'explanatory note' at the end of the essay, along with the comments the essay received. In this note, you could discuss all the points you took from the introduction and why you believed the professor's or administrator's point of view was the right one. The explanation could be anything, whether it is an area of misunderstanding or a point where you disagree with the rest of the class. It is your chance to let your fellow students know that you are trying to get them to understand the matter and why you believe the way you do.

Research Paper Cover Sheets

Research Paper Cover SheetsA research paper cover sheet is a quick guide that will list the name and contact information of the author and the academic journal that the research paper will be published in. It also includes contact information for the editor, the peer reviewer, the university or college where the author is a student, or any other institutions or organizations where the author may be employed. Sometimes it is also possible to include links to the author's website or to an external web page, for instance if the author's work is available at another web site. If the author is deceased, then there should be no contact information listed.A research paper cover sheet will normally be used for an author who has not earned his or her degree but whose work is at least somewhat similar to that of someone who has earned a degree, such as a Ph.D. or a M.D. It should not be used to indicate that the author has earned a Ph.D. but is not writing a dissertation or thesis. Also, it sh ould not be used to indicate that the author has earned a Doctorate but is writing a doctoral dissertation or thesis.An author of a research paper cover sheet is usually used to suggest where the author's information is located, for instance in the United States, Canada, England, Scotland, Ireland, Germany, or elsewhere. In some cases the cover sheet may be used to refer to other places other than the author's country, such as the United States or Canada. This could be for instance an application for a teaching post, or a post at a university in Scotland. However, the academic journal should always be indicated, even though the cover sheet is used to help the editor or committee at the research institution that the paper will be published in.The contact information must include the author's full name, title, email address, and a telephone number. While this can be a bit difficult to do for the author of a research paper cover sheet, for those with computer skills it is generally pos sible to make the necessary corrections. It may also be possible to use the author's web address, for instance his or her web site address, or his or her personal site, for the contact information.The reason why the author's name and contact information are included in the research paper cover sheet is that it will be necessary to contact the author and get permission from him or her to publish the research paper. This permission must be obtained from the university or college where the author is a student, and this permission must be listed in the research paper cover sheet. In addition, the academic journal should always be indicated. Additionally, the academic journal may require that additional details be provided to them.If the author's work is related to any type of political issues, then the contact information will likely include the author's name, title, year in office, or other political information, or it may contain the author's party affiliation. If the author has serve d in government, military, or a political organization in the past, then this information should be included in the research paper cover sheet.The research paper cover sheet can be very useful to the editor, who will be able to quickly identify which portions of the manuscript are clearly acceptable and which portions need more work. The editor will also be able to examine the manuscript and eliminate or add sections to it based on whether the parts are clear and the sections contain interesting ideas and insights.The research paper cover sheet is a quick overview that will be helpful to the editor and the author, but it is not a substitute for an entire research paper. It is useful as a starting point and as a reminder of information the author and the editor would like to be included in the research paper.

Research Paper Topics - 1920s

Research Paper Topics - 1920sDuring the 1920s, there were a number of different topics for research papers. Topics in 1920 included issues of the day such as social equality, the end of the First World War, the proposed franchise laws, the advances of television, and the rise of intellectualism. Additionally, there were topics that pertained to different kinds of sciences, such as biology, anatomy, chemistry, and physics.As research paper topics declined throughout the 1920s, a number of universities and various university departments revived them in order to keep their presence in the science. The following is a list of research paper topics during the 1920s.On the subject of social attitudes, students at a number of different universities researched the level of social tolerance that people held in the present world. As part of this research, students from the University of Michigan completed some experiments regarding the social acceptance of homosexuality. These tests involved a group of individuals who had to watch a demonstration of homosexuality, while they were the same time placed in a large room to learn to ignore the experimenter's presence. Interestingly, when the participants were made to look at a non-homosexual human being, there was an increase in tolerance towards homosexuals.In another study, students from a number of different universities researched the extent to which social acceptance for homosexuality remained. In order to study this topic, they made a series of experiments in which the participants were placed in large groups and then asked to meet with others who were either openly gay or straight. Some of the experiments involved holding mock functions with the participation of only the group of participants who were involved in the gay or straight experiment.By doing these studies, these students hoped to find out what the public was ready to accept in terms of the existence of social acceptance for homosexuality. They also hoped to f ind out how widely accepted homosexuality was, and whether the public was not happy with the direction that the debate on homosexuality was taking. Additionally, they wanted to find out how this attitude would change over time, and if it would be more acceptable, and if it was going to continue to change over time.In general, this particular research topic did not have too much hope for the future as more people were coming to believe that gay people were going to spread and destroy America's society, particularly when it came to education. If the public believed that such a thing could happen, it would negatively affect the progress that many people had been making to educate children.Thus, the lack of research paper topics such as the idea of social acceptance for homosexuality, and the relative ease with which this topic was tackled by students, led to the creation of topics such as race and racism. By doing so, students, as well as those involved in the research, were able to co me up with better and more accurate ideas about the history of the United States, and how many different kinds of ideas people had about the government. Furthermore, with this information, the chances of racists and bigots becoming more accepted by the general public, increased, and this in turn led to better understanding of these groups of people.

Summary and Reflection of ‘Future of Medicine Perfection and Beyond’ (Chapter 3) of Physics of the Future by Michio Kaku Essay Example

Summary and Reflection of ‘Future of Medicine: Perfection and Beyond’ (Chapter 3) of Physics of the Future by Michio Kaku Essay The chapter takes the reader through an imaginative journey of medicine in the future. Although some of the possibilities proposed appear like material from a science fiction novel, they are based on emerging scientific breakthroughs. One of the themes discussed in the chapter is the increasing mastery of human beings to ‘play God’. Evolving new technologies allow the medical professional to perform astounding feats of genetic engineering. This could happen at various stages of life – from neonatal to palliative. With this capability, people can augment their life spans, develop immunity to various viruses and even thwart cancer using nanotechnology. In chapter 3, Michio Kaku makes predictions and depictions of future of medicine in all its possible manifestations. We read of ‘nanobots’ that would operate at sub-molecular levels in dealing with infections and diseases. The author also envisions advancement in stem cell extraction and utilization, whereby, new organs can be ‘harvested’ merely with the seed of a few stem cells. If this becomes a reality then the need for organ transplants will be reduced. More importantly, by using organs from the patient’s own stem cells, post operative complications are diminished. There is consensus within the scientific community about the use of such technologies for benign and remedial purposes. However, questions and doubts are raised in using these technologies for cosmetic or enhancement reasons. These enhancements are above and beyond what a healthy human existence requires. They are meant to give ‘competitive’ advantage over peers in the evol utionary game of selecting the ‘fittest’ genes. We will write a custom essay sample on Summary and Reflection of ‘Future of Medicine: Perfection and Beyond’ (Chapter 3) of Physics of the Future by Michio Kaku specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Summary and Reflection of ‘Future of Medicine: Perfection and Beyond’ (Chapter 3) of Physics of the Future by Michio Kaku specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Summary and Reflection of ‘Future of Medicine: Perfection and Beyond’ (Chapter 3) of Physics of the Future by Michio Kaku specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The author’s projections into the future are based on extrapolations of technologies that are in their nascence. Hence there are numerous factors that bear on their future development, chiefly along political, socio-cultural, legal and ethical dimensions. But, disappointingly, Michio Kaku does not deal with the intersection of these domains upon the future prospects of a technology. In particular, it is fairly obvious that the author’s primary concern is not the ethical issues surrounding these medical developments. To this extent, the chapter in question, and the book as a whole, is incomplete. They are at best, selective and wishful anticipations of what will unravel in future technological societies. It falls short of showcasing our species’ future as an inevitable submission to technocracy. In conclusion, the work makes for an interesting read but lacks the conviction that accompanies fact. Despite this flaw, one cannot dismiss it off-hand, for it offers key insights into many of the cutting-edge technological innovations that have taken place in recent years. For a general audience that is not acquainted with scientific terminology, understanding these concepts can be difficult. To the author’s credit he alleviates this problem by keeping the jargons to a minimum. He also uses lucid expressions and easy logic to flesh out his arguments. Overall, reading the chapter will be a thrilling yet thought-provoking experience for the reader, as it had been for me. Reference: Kaku, Michio (March 2011). Physics of the Future: How Science Will Shape Human Destiny And Our Daily Lives by the Year 2100. Doubleday. The chapter takes the reader through an imaginative journey of medicine in the future. Although some of the possibilities proposed appear like material from a science fiction novel, they are based on emerging scientific breakthroughs. One of the themes discussed in the chapter is the increasing mastery of human beings to ‘play God’. Evolving new technologies allow the medical professional to perform astounding feats of genetic engineering. This could happen at various stages of life – from neonatal to palliative. With this capability, people can augment their life spans, develop immunity to various viruses and even thwart cancer using nanotechnology. In chapter 3, Michio Kaku makes predictions and depictions of future of medicine in all its possible manifestations. We read of ‘nanobots’ that would operate at sub-molecular levels in dealing with infections and diseases. The author also envisions advancement in stem cell extraction and utilization, whereby, new organs .

Benefits of Studying Abroad Essays

Benefits of Studying Abroad Essays Benefits of Studying Abroad Essay Benefits of Studying Abroad Essay Jinq Kok Jessie Borgman ENG 1050 July 31, 2011 Benefits of studying abroad Education is a part of learning that has always been a part of our life and it is a never ending process. As education is a building block in our lives, we are willing to invest deeply into our education. Good education will bring us far with what they have to offer for our very own future. Currently in this modern day society, many of our universities and colleges in our own home country have grown tremendously and improved in all sectors and field. Some feel that it is sufficient to get an education in our home country and graduate which leads to finding a job after. Yet many also have the idea of studying abroad as a consideration. Does studying abroad really benefit us? Well, studying abroad does have some advantages and disadvantages. However in an open view of studying abroad, the advantage does trump the disadvantages. Mainly, the disadvantage that comes with studying abroad is personal such as the feeling of being alone and away from home. One may say that studying abroad is much more costly compared to studying locally and with the same education one will get, it is actually unnecessary spending. However, we often forget that education is not expenditures but it is an investment that comes with a long term benefit or return in the long run. The benefits that we gained from studying abroad are priceless and can’t be placed a price on. In addition, the knowledge and experience which we have gained while being abroad would forever be with us and nobody can take it away from us. Among the benefits of studying abroad is the opportunity to be more independent when they are out of their comfort zone at home. Based on a survey and research done by International Education for Students (IES), it was shown that a majority of the students who studied abroad realized that it is a catalyst to increase one’s maturity and self-independence. Many of us cannot deny that we are somehow spoilt when we are in our comfort zone, where we are always spoon-fed by our supporting members of the family. Apart from that, students who studies abroad tend to be more organized in their schedule and are forced to ensure all assignments for school and housework around the house is accomplished. It have also been said that a majority of the students who studied abroad also tend to be more confident. This is because, they are faced with different situations and scenarios in their studying life which they have not faced alone, making them much bolder in decision making on their own. Students would be exposed to different cultures apart from their own; they would develop a wider perspective on the country they are accommodating and the international perspective on the world. Many people from different countries nowadays have different views on different countries due to the misguidance from the mass media through movies and television shows. If we rely solely on education at our home country, we would not be exposed to the cultural diversities that differ from our own. Also, different countries differ in their teaching method, for example, majority of the European based education emphasizes more on the theory of a particular subject, while the American based education focuses on a more practical training and application of theories learnt in class. This would help students to decide which path to choose for their future, as no two students are the same. Some are more practical in their studies, and some are excellent students with the study and understanding on the theory of the subject. With the knowledge learnt abroad, we can always imply and train the people of our home country. The introduction of new technology brought from a different country back to our home country would benefit both us as a student and help improve the economy of our country. Studying abroad can be a great resume builder which would most certainly attracts the interest of the employer when they are reviewing the resume. Apart from that, students who have studied abroad are able to adapt much quicker to new surroundings which helps with the increase of international market businesses (Sullivan). It is with this sense of adaptation by students, that companies are pursuing and in the run to hire future employees with this criteria. In addition to the current limited economy suffered by many companies, they are now venturing and expanding to international market. Therefore, increasing the chances for students who study abroad as they have a wider knowledge on the international market including, language skills that one may have obtained during their stay abroad. An individual who have capability on conversing fluently in a foreign language in a foreign land would impress and place confidence of both the employers and business partners upon that individual. Learning an additional language apart from our mother tongue, would show that the applicant is initiated to learn another language and would prove to be useful in the field. Studying abroad does not bound us to only studying in lecture rooms and classes, as there is always freedom for individual to travel and explore all the historical sites and attractions that the hosting country has to offer. By staying in our home country, we may or may not have the time to travel around the world while we are studying, but being in a foreign land, just by being in our university area and exploring the surroundings would already be an adventure. Being a student in a foreign land supplies us with benefits, such as cheaper travel for us students with a tight budget who wants to see the world and what it has to offer. The world is still filled with all the wonders and mysteries that await our coming of seeking an adventure to explore all this wonderful gifts that have been given to us. Going on a travel during studies is one of the best experiences as we are more outgoing in nature and still excited to explore around. In conclusion, with all the advantages that have been spoken off, one would still hesitate about leaving the comfort of home with various thinking in their mind such as financial and fear of being alone in a far away land. But many of this is small matters that have a solution to it, such as financial studying abroad. Many universities are attracting students to come and study in their universities; therefore they are providing more financial aid and scholarship to students who are serious in pursuing a degree with them and gaining knowledge that they have to offer. However, we must take that one step of faith to make a decision and stand up on our own to pursue something better. Being abroad actually help moulds an individual into a more confident and outspoken person who cannot be built through the aid of classrooms and lecturers but through the lifestyle one chooses. Apart from that, being abroad widens our relationship with people with different backgrounds and cultural beliefs. In addition, by making more friends outside our circle, we enlarge our chances by knowing connections for a job offer in the future. Reference Sullivan, Erin. (2009). â€Å"Considering the Reasons to Study Abroad. † Dummies. com. Retrieved from dummies. com/how-to/content/considering-the-reasons-to-study-abroad. html Dwyer, Mary M. , Peters, Courtney K. (2004). â€Å"The Benefits of Study Abroad. † Transitionsabroad. com. Retrieved from transitionsabroad. com/publications/magazine/0403/benefits_study_abroad. shtml Curran, Sheila J. (2009). â€Å"Career Advantages of Studying Abroad. † Goingglobal. com. Retrieved from http://old. goinglobal. com/hot_topics/general_curran_abroad. asp