Ninthusha Satkunalingam Essay Example Essay Example

Ninthusha Satkunalingam Essay Example Paper Ninthusha Satkunalingam Essay Introduction Dear Ms C Walsh,I’m writing to inform you about the different sources of finance that are available to you. There are twelve different source of finance available these are: Share issuesWhen your company wants capital to finance business or to run your business activities it goes to the public and issue shares to produce amount from the public and people pay the amount in share capital of your company which mean your shares in share capital of your business this process is called share issue. The advantage of share issues is that your business object becomes more profitable and has a huge amount of money to buy assets and make improvement on your business.A business object becomes more profitable and has a huge amount of money to buy assets and advance their business. The disadvantage could be that your business becomes dependent on the public, if the public decides your business wasn’t worth the investment and take it away, the business will go into negative equality a nd eventually your business will be in debt. LeasingLeasing something is the same as renting it. You pay the leasing every month for the use of the equipment. The contract made with the lessor lasts a number of years estimated between 2 and 10 depending weather the cost on it. This shows that you can have full us of the equipment without having to pay the full cost of the item in straight on go. Over the time of the lease, the leasing company will maintain the price of the item plus their charger which means you only need to deposit a small amount at the start of the lease. At the end of the lease you have a decision to choose if you want to carry in leasing at a low rate or to sell the product to another person or to another company.An example to your business could be leasing vehicles, or office equipment. An advantage of leasing could be that leasing is inflation friendly. As the costs go up over five years you still pay the same rate as when you began the lease. Another advantag e could be there is less upfront cash outlay which means you do not need to make large cash payments for the purchase of needed equipment. A disadvantage could be that you have a responsibility to continue making payments. You have no fairness until you decide to purchase the equipment at the end of the lease term, at which point the equipment may have criticised suggestively.http://www.bizhelp24.com/money/business-finance/leasing-in-business-3.html FactoringFactoring is a quick and easy way of turning your invoices into cash. Factoring can be described as it is selling your invoices to a factoring company. You also get cash quickly, and also don’t have to collect the debt however you may lose some of the value of the invoice. The factoring company gets the debt and has to collect it. They make a profit by paying you less cash than they actually value of the invoice. The disadvantage could be your ability to borrow from other sources may be reduced. Another advantage could be that if you were to end an arrangement with a factor you will have to pay off any money they have advanced you on invoices if the customer has not paid them yet. This may require some business planning. An advantage could be that the cash is released as soon as orders are invoiced and is available for capital investment and funding of your next orders. Another advantage could be that factors may give you useful information about the credit standing of your customers and they can help you to negotiate better terms with your suppliers.http://www.businesslink.gov.uk/bdotg/action/detail?item1073791093;type=RESOURCES Overdraft facilitiesOverdraft facility is when you are allowed to be overdrawn up to a certain amount without being charged or having to pay direct debits etc. however you maybe charge a small amount of interest if you use the facility. An advantage could be that it’s a convenience as you don’t have to worry about penalty fees if you temporarily don’t h ave enough money in your account. A disadvantage could be that there will be a lot of interest to pay, and being down below zero will make it hard to pay off. If the overdraft is unauthorised, there may be huge fees to pay each day, or with each new small transaction, there may be an 2nd, 3rd, 4th etc. full penalty fee for each transaction.http://uk.answers.yahoo.com/question/index?q20110627063140AA7is40 Bank loanA bank loan provides medium or long term finance. A bank loan is the most common form of loan capital for a business. The bank sets the fixed period over which the loan is given, the rate of interest and the timing and amount of repayments. The banks will usually require that the business offers some security for the loan, although in the case of a start-up this security often comes in the form of personal guarantees provided by the entrepreneur. Bank loans are good for financing investment in fixed assets. They are generally charged at a low rate of interest that a bank ov erdraft. The interest rate can be either fixed or variable. The advantage of getting a bank load could be that you can borrow large amounts of money. The disadvantage is that some loans carry a prepayment penalty, preventing the borrower from paying the note off early without incurring extra cost. Another disadvantage could be that Borrowing too much money can lead to decreased cash flow and payments can even overtake income in some cases; this is why many loan payments are limited to a certain percentage of a borrower’s income.http://www.ehow.com/facts_4761923_advantages-disadvantages-bank-loan.html#ixzz1pyMtD7tF Friends and familyFriends and family could help in your business for support such as giving you addition business funding. An advantage could be that asking family and friends can be quicker and cheaper to arrange and the interest of repayment terms may be more flexible than a bank loan. A disadvantage could be that conflicts could happen between them and relationsh ip can break. Hire purchaseHire purchase is about ownership. With a hire purchase agreement, after all the payments have been made, your business customer becomes the owner of the equipment. This ownership transfer either automatically or on payment of an option to purchase fee. For tax purposes, from the beginning of the agreement the business customer is treated as the owner of the equipment and so can claim capital allowances. Capital allowances can be a significant tax incentive for businesses to invest in new plant and machinery or to upgrade information systems. Under a hire purchase agreement, the business customer is normally responsible for maintenance of the equipment. An advantage of having hire purchase could be that you can have something you can’t afford. Another advantage could be that you can save your own business money. A disadvantage could be that if you miss the payments, you lose the item plus what you already paid. Another disadvantage could be that if y ou break the item, you still have to play for it as well as having a replace it. Reinvest profitReinvested profits are also known as retained profit or earnings. All the profits you earn in your business are put back into the business for its own use. For example expanding your business to gain more profits. An advantage could be that your business may have the flexibility to decide whether to use capital or borrowings to expand or improve. Another advantage could be that you could be building equity in your business and therefore increasing the value of the shares. A disadvantage could be that you may not have any other source of income outside of your business and may not be able to afford to reinvest a significant portion of their profits. Another disadvantage could be that your business only gets to retain earnings if it makes a profit. Retained earnings are profits after corporation tax and dividends are paid out. Sometimes it is better to run the company at breakeven and pay l ess tax. Own savingsOwn savings can be defined as money set aside for the purpose of future use. Saving is usually representing only one part of an individual’s assets. An advantage could be that if you wanted to expand your business you decided how much you’d like to invest into your business but it is at your own risk. It also gives your business a financial improvement. A disadvantage could be that you’ll need more working capital than you think. Government grantGovernment grant is where the government provides support to businesses both financially, in the form of grants, and through access to expert advice, information and services. Most government grants require you to match the funds you are being awarded. The grant covers a proportion of the money needed, while you supply the rest. You must also demonstrate that your business can provide its share of the total costs. An advantage of having government grant could be that they provide huge financial suppor t and rewards with just one offer. Another advantage is that who receives government grant find it easier to increase money from other government and private sources. A disadvantages could be that Government grants often come out with a set of rules for who are eligible to apply that can be so specific that it excludes many businesses. And they tend to demand certain activities must be included in any project to be funded which may increase businesses expenses. Commercial mortgageCommercial mortgage is the most popular type of mortgage used to buy buildings and land for business purposes. If you were going to have commercial mortgage rates and payment terms are negotiated in each loan by the borrower and the lender. Commercial mortgages have commitment fees and can be quite profitable for mortgage lenders, although there is some default risk. An advantage could they can give your business a large assets which is likely to increase in value. Another advantage could be that the loan r epayments involved can be similar to your current rental costs so you won’t need to adjust your budgets which this depends on the mortgage. A disadvantage could be that when you sign a commercial mortgage contract you are committing to a period of 10 to 30 years. Also if you failed to make repayments on time you may have to pay additional interest.I would advise you in your expansion to use possibly a bank loan, own savings, reinvest profits source of finance. I think you could use a bank loan due to if you can demonstrate your business can generate enough profits to proper and then pay them back then that’s a good option for you. Also the benefit could be that large amount cab be borrowed and also lower interest rates than overdrafts. Own savings could also be a good choice as I think you wouldn’t have to worry about financial problems as you already have them and you don’t have to worry about paying someone back. Reinvest is also a good option due to yo ur using your own profits to expand your business and make it bigger then more customers are likely to come then you can gain more profits. Thank youYou sincerelyNinthusha Satkunalingam Ninthusha Satkunalingam Essay Thank you for reading this Sample!

Top Literature Essay Introduction Guide!

Top Literature Essay Introduction Guide! The Rise of Literature Essay Introduction If you're thinking that you require someone to compose my essay at the moment, you can merely rely on our honest reviews. The custom of writing essays also develops critical thinking that's highly needed in any upcoming job. Asking also the assistance of your parents is a great idea. Some students make the error of attempting to fit too much into their Hamlet essay simultaneously. Scroll down the page in order to see extra essay samples which might help you in creating your very own literary essay. Don't hesitate to browse the webpage and click on any individual download hyperlink button below a sample which you like. Just make certain that you've got complete info and you know what information you include in each individual portion of your essay. Be certain the images are clear and appear professional. The Hidden Truth About Literature Essay Introduction You will have to synthesise sever al of your reviewed readings into each paragraph, so that there's a very clear connection between the several sources. You should prevent an extensive question as it doesn't help you. When it has to do with your research question, you don't need to answer it immediately. General question has many approaches and you maynot write everything. Each paragraph ought to be an elaboration of a single point. A conclusion must not include any new info, you are simply summarising what you've already written. As you consider the issue or question you would like to answer in your essay, an edition of a thesis statement should start to emerge. For that reason, it might be interpreted that Forster is trying to embrace more modernist sensibilities and intending to persuade his audience to offer aspiring individuals like Leonard the prospect for social mobility. Writing is a quite complicated process that needs plenty of time, patience and great abilities. Students lead busy lives and frequently forget about a coming deadline. Many how to write a literature essay they find it quite convenient to be able to go online for help with their papers. Naturally, some students haven't enough time since they are being overloaded with different varieties of assignments, but it's not a problem since they can get an essay for cheap from us as we're an expert team and we are accustomed to accepting any challenge. Even a student can use their professional assistance to create their school writing assignment. Literature essay isn't an enlarged activity and should be written concisely. Focus on what you could do to increase your essay on literature. A literature essay needs a close reading. It is indeed a form of writing that must be carefully written. When writing your essay you should devote a couple of paragraphs to every point. Ensure each paragraph goes around your essay's key idea. There are several different elements involved with writing an effective essay. Literature Essay Introduction Secrets That No One Else Knows About Always seek out assistance and clarifications from your instructor for those concepts that you don't understand. The instructors might not even offer a comprehensible reaction to literature essay example. It's obvious that as a student of literature faculty, you will need to read a good deal of books of all conceivable types. You have to use language that measures up to the course that you're pursuing in addition to your education level. You're able to explore an extremely wide selection of topics like language acquisition, attachment theories, or critical amounts of development. The objectives in the debut of the assignment are to have all issues regarding the topic introduced. The variety of sources that you'll be asked to review will be based on what the literature review is for and how advanced you're in your studies. You may also ask your teacher if you aren't able to comprehend the grading system. How to Choose Literature Essay Introduction You should tackle your question with the usage of the concepts which you have researched. A family is thought to be an important tool in rise and evolution of anyone. The characters of each one of the above-mentioned works emphasize the fragility of human created systems. At any time you require straightforward answers on literature synthesis essay example or another subject, you always have the option to contact our support team working with the live chat section. If any constructive action or apology might help rectify the issue, schedule an opportunity to do exactly that. An argumentative essay presents either side of a problem. If you opted to decide on a specific side of the argument, you would want to clearly show your conclusion on the argument.

Writing An Interesting Topic For A Research Paper

Writing An Interesting Topic For A Research PaperFor some reason, writing an interesting topic for a research paper about gender and politics seems to be a relatively simple process. It appears as though it should be relatively easy to write a paper that features a variety of interesting topics for a research paper.The problem comes in when trying to decide which interesting topics to focus on. Unfortunately, the choices are virtually endless. There are plenty of topics to choose from, all with different characteristics, but they all also have their drawbacks.For example, an internet search for 'gender and politics' yields a number of pages containing completely unrelated ideas about things like 'dating'dating websites.' Although I'm not entirely certain why this is so, it appears that the person doing the search didn't actually want to find something interesting in the topic of gender and politics. Instead, they probably went online to get some more information about dating websites , which is the kind of topic I don't recommend trying to write about.Another drawback to focusing on a wide variety of topics in your research paper is that there are many combinations of subjects that aren't interesting at all. Here is an example of an interesting topic for a research paper, but obviously something that makes no sense to anyone else. Take a look at this interesting topic for a research paper about pornography: 'Does porn erode libido?' That's a pretty silly question, but if you're trying to write an interesting paper, it's going to come across as quite stupid to the reader.To avoid such issues, the best thing to do is stick to one topic in your research paper, no matter how silly it may seem at first. The reason for this is because it will give you the best chance to produce something interesting. It's pretty hard to make a good point in a topic that's fairly random.The third benefit of staying away from topics that aren't unique is that it will help to eliminate t opics that are almost exactly like yours, because they're usually nothing more than spin-offs of what you're already doing. By using topics that are fairly unique, you'll be much better able to discover something original and make a better point.A final benefit to using topics that are uniquely your own is that it will allow you to make a better point in a topic that is much more interesting than a topic that has been well covered by others. As I mentioned earlier, there are many interesting topics for a research paper about pornography. The problem is that there are also many topics that haven't received the attention they deserve from the people who are discussing them.By staying away from topics that have been widely covered, you can develop topics that make a strong point in just about any discussion. Doing this will help you to develop a unique paper that's quite unlike anything else you've written before.

Kids, Work and College Application Essay Counselors Pleasanton Ca

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Why I Choose to Attend College by Anna Quindlen

Why I Choose to Attend College by Anna QuindlenWhy I Choose to Attend College by Anna Quindlen is a great essay that offers several essay samples about why I choose to attend college. The essay offers several choices and each choice is presented in a few paragraphs with examples that illustrate why you choose to attend college. The essay includes a starting point as well as a conclusion that explain the reasons you chose to attend college. Many people want to know why they choose to do certain things such as going to college or why they don't do some things.I attended a community college prior to college. Since the beginning of the class schedule I was able to earn a couple of credits. However, it was on the first day that I decided to go to class. The reason why I did not take any previous classes was because I only wanted to focus on the classes I needed to take to earn my associate's degree.I was going to meet up with a friend for a party and it was during the night time. We found ourselves in an area where there were too many kids to get in. Since we didn't want to be one of the group of people at the club, we went home and waited until the morning. Once the sun rose, we found a nice spot to have a late night drink. On our way back to the house, we saw this guy walking home on his bike.After the night ended and it was getting late, I asked my old friend where he lived and we decided to stop and find out who he was. When he got to my house, we made sure to tell him about our conversation and we talked about our plans for the following days.I told him about how I had been looking for an excuse to not go to class and a good night sleep. We spent the next few hours talking about the things we had done that night.During the conversation, he mentioned that he had not gone to school and then I mentioned to him that I did not go to school. He said, 'I'm glad I didn't' and then he asked me to join him for the night.We spent the rest of the night talking about life l essons, what we've learned, and how much we are alike. We ended up staying over that night and I never went to sleep. I just kept thinking about what we had discussed. The following day, I started thinking about what we had talked about and how we had changed each other.The best way to remember the life lessons I learned from that night is to spend some time reflecting on them. It's hard to remember the lesson that you learned if you don't sit down and really think about it, but it's important to remember what you've learned so that you can apply the lesson to your future life. Do not forget what you've learned in order to understand life lessons.