Financial Business Essay Example | Topics and Well Written Essays - 1500 words

Financial Business - Essay Example This type of financing is known as Debt financing. Businesses also raise funds by offering their stocks or shares to different financial institutions including banks and insurance firms, governments and general public at a defined ‘Par or Stated’ value with or without a premium depending upon the market prices. A firm can issue a maximum number of shares that are known as Authorized shares and can’t exceed that limit. Shares issued are known as Outstanding shares. Dividends are paid to shareholders who have owned the shares. Short term loans can be either ‘secured’ that means that specific assets such as inventory are pledged as collateral or they can be unsecured that means the firm has not promised any assets as collateral. These loans are usually acquired from different financial institutions such as commercial banks, insurance companies or from financial groups such as private investors, individuals with savings and small/medium banking institutions at relatively higher interest rate to meet their current needs of finance. A commercial paper is an unsecured debt (in other words a ‘promissory note’) taken by businesses to finance the inventory purchases and various short-term liabilities such as wages, rent, fuel etc. Undoubtedly, they mature in less than 9 months or 270 days and have a lower interest rate than what a bank normally charges from its clients. Only the large businesses with extensive financial resources, strength and power are able to sell commercial papers compared to small and medium scale enterprises, which do not enjoy extensive capital resources. Sales of stocks and bonds are a major source of finance for public limited companies, multinationals and large scale corporations. The sale of shares results in cash inflows for the issuing firm and the buyer receives an ownership in that firm. Whereas, the sale of bonds receives an interest payment (calculated through the interest rate) along with the

Article Reflection Essay Example | Topics and Well Written Essays - 1000 words

Article Reflection - Essay Example Importantly, input of the teachers’ expertise in the educational growth of the students enables them to develop their creativity. Teachers from working class schools are not enthusiastic about developing the skills of their students beyond the curriculum requirements. However, instructors from elite and affluent schools assist students in nurturing life and career skills that will benefit students well beyond the school years (Anyon, 1980). These differences bring about the imbalance in the quality of students from the two institutions. Generally, scholars from elite and affluent schools have additional skills other than the basic educational requirements of curriculums. Essentially, these skills assist the students overcome numerous life hurdles and enhance their problem solving capabilities Introduction Education is an essential necessity that the government usually provides to its citizens. Governments are the major providers of education since they meet a sizeable part of their annual budgets. However, the education system is inclusive of privately funded institutions, which offer a competitive edge to their students in comparison to the public schools. Anyon, (1980) confirms the variations of the students are sparking intense debate of the merits of different education systems. It is inevitable to question the characteristics that define the preference of either of the two education systems. ... Understanding, present schooling requires evaluation of objectives, structures and political dynamics. Evidently, individuals assume schools solely teach curriculums, for instance, Math, Chemistry, and outdoor activities, such as sports and club participation. Schools are avenues that mould the future of the student socially, intellectually, politically and culturally. Implications of the Social Status on Education According to Anyon (1980), the research could classify the educational requirements into four social strata. These include the â€Å"working schools, middle class schools, affluent professional schools and executive elite institutions† (Anyon, 1980). Student’s educational capabilities are mainly improved or hindered by their families’ socioeconomic standing. Several factors hinder education’s role as â€Å"the great equalizer† of individuals from diverse communities. Schools serving children form meager income families encounter numerous hurdles, for example, attracting qualified teachers, less parental support and meeting student’s requirements (Anyon, 1980). The differences in the student’s cognitive capabilities start from their experience in kindergartens up to higher educational institutions. Work Objective of Schools According to Anyon (1980), the different school classes display different performance objectives and procedures that their teachers practice. The teachers output is vital in shaping the cognitive abilities of the students. Working class schools mainly entails procedural routines and less of discretion in performance of the curriculum objectives. Such procedures limit the imaginative capabilities of the teachers; therefore, they are incapable of informing their students how to scrutinize procedures