Noah and Saskia - 828 Words

Qns: Noah and Saskia’s avatars are a positive way for them to deal with the pressures of growing up. â€Å"Noah and Saskia† is about two teenagers who deal with tough issues in their lives such as the expectations placed on them by their parents. They both meet on the internet, on a website called ‘webweeve’. Noah writes comics while Saskia loves to play the guitar. They decide to use their skills to perfect Noah’s comic. The only problem, Noah lives in England and Saskia lives in Australia. Noah and Saskia’s personas are a positive way for them to cope with the distractions of becoming an adult because they can talk about their problems and to relive stress. Throughout the essay, these positive ways will be explored such as: opening up to†¦show more content†¦This shows that he cares for Saskia and is jealous that she is spending time with Ernesto. Although things seem rocky, they achieve inner thoughts and feelings which helps them to dissolve them to discover their own identities. The slogan for the T.V series is â€Å"Who do you want to be†, this is a relative quote that relates to the whole series. Noah and Saskia have a dream to be just like Indy and Max in reality. To have

Budget Example Analysis - 1027 Words

Introduction -In the wake of the dot-com industry’s collapse, the steep stock market drop, the rise of the dollar against foreign currencies, increased unemployment, and other economic factors, March 2001 officially began a nationwide recession that triggered budget problems in at least forty-five states. -The 2001 recession was the fourth recession in 30 years. After past recessions budget experts recommended establishing a â€Å"rainy-day fund† (saving funds during boom times in order to cushion the shocks of economic busts). Wisconsin established the fund but never put money into it. -During the 1990-1991 recession Wisconsin’s fiscal stress was ranked the lowest among the 50 states. During the 2001 recession Wisconsin was among the†¦show more content†¦European and some of the Far East economies were growing slowly or were in a recession before the U.S. Remedies Proposed and Implemented -During a deficit lawmakers have four options. -They can raise taxes, cut spending, employ a combination of both, or employ a method of â€Å"creative bookkeeping†. -The required spending cuts might have been reduced if the lawmakers could have drawn from a Rainy Day Fund. -The other option was to tap into the tobacco settlement money that the state was supposed to get over a 30 year period, the lawmakers decided to draw heavily from this fund. Remedies -Act 16, the 2001-2003 biennial budget bill was passed in August of 2001 contained five major initiatives. -5 percent cuts to state agency budgets -delays in staffing new prisons -use the proceeds from the sale of tobacco settlement agreement revenue bonds -reallocation of federal transfer revenues to support state medical assistance funding -â€Å"extraordinary accounting devices†¦employed to ensure a positive budget balance -â€Å"High-priority programs† were exempt from budget reductions (these included assistance to the poor, disabled, and the elderly, funding of K-12 schools, medical assistance, the court system, and public defenders). -Three largest elements that remained to tax were the University of Wisconsin System, Shared Revenue Fund, and corrections. Consequences -Groups that were helped by these tax breaks were anti-taxShow MoreRelatedNotes on Flexible Budgets and Budgeting952 Words   |  4 Pages1. The budget presented in a flexible budget. A flexible budget provides budgeted data for different levels of activity (No author, 2013). This budget is created to illustrate the budget data given 120, 100 or 66 student levels. 2. The total revenue per student, excluding grants, is as follows: $3546 + $1775 + $170 - $42.44 + $246.50 + $368 = $6063.06. 3. There are two ways to look at the total expenses per student question. The first is to include fixed costs, and derive an average expenseRead MorePad 505 Assignment 3 Presenting the Budget1154 Words   |  5 PagesPRESENTING THE BUDGET To Purchase this tutorial visit following link http://wiseamerican.us/product/pad-505-assignment-3-presenting-budget/ Contact us at: SUPPORT@WISEAMERICAN.US PAD 505 ASSIGNMENT 3 PRESENTING THE BUDGET Due Week 8 and worth 300 points Refer the Scenario for Assignments 1–5. Prepare the financial plan and budget justification proposal. The agency is contracted to work with New York City on several capital projects. 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These plans sets the organizations objectives and ways to accomplish the goals of the organization. A budget is a formal written plan at an organizational level for the outgoing expenses and incoming revenues for a specific period. The purpose of the budget is to ensureRead MorePad 505 Assignment 2 the Capital Budget Essay1724 Words   |  7 PagesPAD 505 ASSIGNMENT 2 THE CAPITAL BUDGET To purchase this visit here: http://www.activitymode.com/product/pad-505-assignment-2-the-capital-budget/ Contact us at: SUPPORT@ACTIVITYMODE.COM PAD 505 ASSIGNMENT 2 THE CAPITAL BUDGET Due Week 6 and worth 280 points Refer the Scenario for Assignments 1–5. Forecast salaries, revenue estimating, and prepare the capital budget. Using the budget from the selected agency, write a five to six (5-6) page paper in which you: 1. Analyze the agency’sRead MoreRisk Management Plan For Smart Car Using The Internet Of Thing Technique Essay798 Words   |  4 PagesProcess Execution †¢ Past Failures †¢ Defect Rates †¢ Metrics Analysis 3.2. Risk Assessment Risk assessment is to procedure to analysis the impact of the risk on the project. there are two methods for risk analysis; qualitative risk analysis and quantitative risk analysis. This two methods, we use for the analyzing the risk for the project of iSmartV. 3.2.1. A complete qualitative risk analysis: The goal of leading a subjective risk analysis is to secure wellbeing against perceived risks and to buildRead MoreSpreadsheet : The First Commercial Spreadsheet Program867 Words   |  4 Pagesof data can be applied to non-numeric data. It is a powerful and versatile business tool that can store and provide the user with valuable information. Spreadsheet also help us to support decision making e.g. analysis of data, goal seeking, scenarios, regression and data mining. For example, a sandwich shop would use spreadsheet models to keep track of their sales to see whether they are making profit or loss. This profit or loss could be presented in a graph later on. This would give the employerRead MoreFinancial Statements Of A Business s Stock Price Essay1021 Words   |  5 Pagesof time. The income statement is divided into three parts: Total revenues, total expenses, and net income. Total revenue is for the reported period of time. Total expenses include all expenses incurred in the d irect operation of the business. Some examples are salaries and wages, rents, utilities, insurance, and supplies. Net income comes from subtracting total expenses from total revenues. Statement of Cash Flows A statement of cash flow serves as a map that tells where cash came from and whereRead MoreEssay about Variance Analysis 1032 Words   |  5 Pagesï » ¿ Variance Analysis HCA-530 Sue P. Gombio Grand Canyon University Variance Analysis is utilized to support the management during the initial stages. It is the procedure of investigating each variance between the actual and budgeted costs to determine the reasons as to why the planned amount was not met, in more detailed explanation (Ventureline, 2012). There are several influences that contribute to the variance report and one is the department’s assumptions, second is the possibleRead Moreflexible budget Essay1289 Words   |  6 Pagesï » ¿ â€Å"Team B† Flexible Budget Tenecia Blevins, Zokieya Canida, Robert Edmonds, Carl Hignite, Harold Smith Accounting - ACC/561 September 1, 2014 Myrtle Clark Flexible Budget Organizations in today’s ever-changing global market make use of budgeting to help measure performance, plan, and control its business operations. Organizational leaders make use of flexible budgets to help take into consideration; various uncertainties that may emerge after business operations commence. According

Fast Food Restaurant Description Free Essays

Scene in a Fast Food Restaurant. I push through the crowds of young people hovering outside the automatic doors of Burger King, kicking the empty paper cups and bags out of my way. Stepping inside, the first thing that hits me is the sound. We will write a custom essay sample on Fast Food Restaurant Description or any similar topic only for you Order Now It crashes over me, engulfing me, drawing me in. I step closer, into the midst of it. To my left sit a young couple, anxiously feeding their toddler chicken nuggets dipped in tomato sauce. The two year old cries and whines, putting his hand up to his mouth as if to say ‘no, no more. ’ The group of young people to my right are laughing, shouting and flirting. One of the boys has stolen a girl’s milkshake and she leans across her friends, giggling happily, to try and snatch it back. I can hear the radio playing faintly. The newest, noisiest dance track struggles to be heard in the room full of people, resembling a school canteen. As I make my way upstairs I pass a smartly dressed businessman, holding a brown bag containing a burger, and his other hand to hold his drink. He has his mobile phone trapped between his ear and his shoulder and he jabbers away to his colleague about ‘redundancies’. An elderly woman, accompanied by two young, brightly dressed grandchildren, frowns at the man as she makes her way past, children in tow. The smell of the greasy, fatty burgers is overpowering now, and I can hardly breathe for the stench if freshly cooked French fries. They coat the floor, like a three-inch carpet, soft underfoot. I wonder why these restaurants even bother installing bins – nobody seems inclined to use them. Spotting no empty tables, I make my way back downstairs to order my food. I overtake the queue if people waiting for ‘veggie-burgers’ and order large fries and a chocolate milkshake. The young girl who serves me can’t be much older than myself, yet she looks older, more tired, world-weary. Her shoulder length hair hangs limp and greasy under her baseball cap, and her red t-shirt is stained with fat and fizzy drinks. The woman next to me has dropped her tray, and someone with a mop rushes to clean up the split cola, before anyone has a chance to fall in it. I smell the air, take a French fry out of the packet, pop it in my mouth and sigh. It tastes like grease, unhealthy and fattening. Looking around me, I decide to find a bench outside and, licking my lips in anticipation of my milkshake, I go in search of one. How to cite Fast Food Restaurant Description, Essays

Business Laws for ANZ Global Markets Division-myassignmenthelp

Question: Discuss about theBusiness Laws for ANZ Global Markets Division. Answer: The Australian Securities Investment Commission is Australian watchdog which governs the functions of organizations which operate in Australia. In the recent years the commission has been able to procure various penalties for the breach of legal provisions and Australia. The penalties which the watchdog has been able to procure range from pecuniary penalties to disqualifications from managing a company. However not all claims made by the ASIC approved in the court of law but because of such claims the companies are subjected to loss of reputation which initiates a decrease in the value of the company. The first issue which would be analyzed by the paper is related to a civil action against ANZ bank. The ASIC had initiated proceedings against the company at the right time after weighing up the evidence which were available. The evidence was procured by ASIC through various international and domestic investigations. The case is expected to initiate a severe reaction from the involved parties as along with the millions of dollars involved with respect to the pecuniary penalties the issue also includes loss of reputation for the bank the securities market and regulators (The Conversation 2017). The actions have been initiated against ANZs Global Markets Division and Group Treasury for the activities its indulged in the period of March 2010 to May 2012. The AISC has alleged that the company influenced the interest rates through the use of its market position which subjected the clients of the bank to detriment and benefited the bank illegitimately. It has been provided by ANZ that it is vigorously going to defend against the claim. The two major areas in relation to the claim of ASIC include market manipulation and unconscionable which are governed by the Corporation Act 2001 (CA) and ASIC Act 2001 (AA) respectively and are difficult to prove technically. The concept of misleading and deceptive conduct had been removed from the scope of commercial law after the NRMA case where Richad Talbot and Dawn Fraser on the basis of a false and misleading prospectus representation. The areas of law have been placed now in the provisions of the CA and AA. Although the success rate of ASIC claims are very high there have been only a few cases where successful claims against these areas of law have been made. Further it is even more complex to prove a claim under section 1041A of the CA. The section is very significant and is related closely to the provisions of insider trading as provided by Section 1043 of the CA. In order to establish market manipulation a variety of factors have to be proved individually. Such laws have been difficult to prove by many regulators in the world including ASIC (Asic.gov.au 2017). In case the AISC is able to prove the claim it has made against ANZ it is going to have significant effect on the company. As it is a banking corporation the loss of reputation is going to cause significant damage to the company. The company would be imposed with a large about of fines by the court. An order to disqualify the directors from managing the company or any other corporation may also be obtained by AISC in this case. The securities of the company would be diminished in value and is likely to cause significant financial losses to the shareholders. The regulator has also claimed implementation of a training and compliance scheme in details. The Australian Financial Services License could also be removed by the court totally and such parts of the company would have to prohibit operations or may be subjected to restrictive conditions, which is likely to disrupt business heavily. ASIC has also commenced proceedings related to civil penalties in the federal court against Westpac banking corporation stating that the company has breached number of provisions related to the National Credit Protection Act 2009. In the proceedings the regulator has made an allegation that during the period of December 2011 to March 2015 the company was not able to properly assess whether people to whom home loans were provided could meet the repayment responsibilities before they were made to enter into contract of home loan. It was specifically provided ASIC that the company Westpac abided by a benchmark without considering the real expenses which were declared by the borrowers towards assessing the capacity of the individuals to meet the requirements of repayment. A months deficit could be seen where proper assessment of the borrowers ability to repay the loan was made. The company did not consider higher payments when the interest only period ended in relation to interest only p eriod loans when they were assessing the ability of the borrowers to repay. The regulator has provided that it has successfully initiated proceedings against Westpac relating to civil penalties. In addition proceedings had been initiated by the regulator against the subsidiaries of Westpac with the allegation that they failed to comply with the best interest duty imposed on them through both common law and the Corporation Act. All directors you have been provided with the responsibility of managing the company have the duty to act in such a way that their actions trigger the best interest of the company. However according to the allegations made by the ASIC Westpac indulged in providing personal financial product advice and particularly recommending the customers to shift their super funds into the super accounts related to Westpac without initiating proper comparison with others (Asic.gov.au 2017). The allegations have been strong rejected by Westpac stating that a general advice warning was provided to the customers before any conversation was initiated and therefore no comparison was required. The outcome of this case is going to be very important for the company as provided by the chief executive of Westpac Brian Hartzer. ASIC in reply have provided that if the company was to act in the best interest of the customers they must have provided them advice to invest in the super fans of such industries where the fees payable is lower and the customers would get better Returns because that would have been the best interest of the customers. In case the regulator is able to prove before the court that the company has and has been providing wrong advice to the customers along with not accessing the repayment capabilities of the borrowers the company could be subjected to severe financial losses and a multi-million dollar penalty may be imposed on it. In addition to the financial penalties the directors of the company maybe also subjected to a disqualification order if the claim for the same is made by the ASIC. In addition company has already suffered severe loss of reputation due to the allegations made by the ASIC against it. As a result the customers of the company has become agitated towards it and the share value of the company has also gone down after the allegations have been made. The two issues which have been discussed above are likely to be adjudged in favor of the ASIC. However the rate at which the decisions won by the ASIC have been overturned by the higher courts are high. It is also most likely that if a decision is made against the companies they would make an appeal against it in the higher courts. In the recent years the ASIC have successfully monitored the activities of the companies operating within Australia. The effect of such monitoring have resulted in the lowering of corporate legal issues in the country and the existing laws are taken very seriously by the corporations while discharging their functions. References Asic.gov.au. (2017). 16-460MR ASIC takes action against Westpac entities in relation to the 'best interests duty' and superannuation customers | ASIC - Australian Securities and Investments Commission. [online] Available at: https://asic.gov.au/about-asic/media-centre/find-a-media-release/2016-releases/16-460mr-asic-takes-action-against-westpac-entities-in-relation-to-the-best-interests-duty-and-superannuation-customers/ [Accessed 23 Aug. 2017]. Asic.gov.au. (2017). 17-048MR ASIC commences civil penalty proceedings against Westpac for breaching home-loan responsible lending laws | ASIC - Australian Securities and Investments Commission. [online] Available at: https://asic.gov.au/about-asic/media-centre/find-a-media-release/2017-releases/17-048mr-asic-commences-civil-penalty-proceedings-against-westpac-for-breaching-home-loan-responsible-lending-laws/ [Accessed 23 Aug. 2017]. Corporation Act 2001 National Credit Protection Act 2009 The Australian Securities Investment Commission Act 2001 The Conversation. (2017). ASIC v ANZ rate-rigging case will be one of epic proportions. [online] Available at: https://theconversation.com/asic-v-anz-rate-rigging-case-will-be-one-of-epic-proportions-55932 [Accessed 23 Aug. 2017].