Benefits Of Financial Ratios And Analysis - 1816 Words

Introduction Droms and Wright (2010) state, â€Å"adequate financial planning is a key element in the success of any business venture. Conversely, the lack of adequate financial planning is a key element in the failure of many business enterprises† (p. 107). For the purposes of this paper, the benefits of using financial ratios to analyze the balance sheet, income statement, and the statement of cash flow will be discussed. The author will choose two key ratios for a review of how they best serve her purposes, and why. Additionally, the dangers of overanalyzing ratios will be discussed and the pitfalls for shareholders, for the owner of a small company, and for a banker assessing risk will be included. Benefits of Financial Ratios and†¦show more content†¦Ratios are used to interpret the financial situation and performance of the company differently depending upon who is assessing the information, what problem they are trying to solve, and/or what decision they trying to make. Balance Sheet. The balance sheet represents the stock of assets, liabilities, equities with in a company; they are used to view the financial condition of a company at a given moment in time (Droms and Wright, 2010, p.33). Ratios that are beneficial to assessing the financial health of the company from the balance sheet include: net working capital, return on assets, and long term debt/equity. Net working capital is important and beneficial to balance sheet analysis as it reflects the company’s short-term liquidity or ability to meet its financial obligations as they become due (Droms and Wright, 2010, p. 35). This is an important measure for bankers and other lenders as they decide whether or not to fund your company. An increase in net working capital is considered a negative cash flow, making it not available for equity. Net working capital is calculated by subtracting the current liabilities from the current assets. The rule of thumb for bankers and lenders is to have twice the amount of current assets over the current liabilities. Return on assets measures the company’s ability to turn assets into

Separation of Church and State Essay examples - 2383 Words

Introduction The fusion or separation of church (or in greater sense, religion) from the affairs of the state (nation) is an issue whose relative importance in any society cannot be overemphasized. This stems from the impact of having state affairs directly influenced by religious beliefs and practices in the case of the fusion of the state and religion. Better still the separation of the state from the clutches of religious beliefs has the propensity to significantly affect way of life as well as the rate of development in a society. In my opinion however, I sincerely believe that the church (by extension, religion) should be separated from the secular state. This is especially important in heterogeneous societies where citizens†¦show more content†¦It is not surprising that after the break-away that followed the reformation movement, the Roman Catholic Church never fully recovered it preeminent position as the fulcrum of state authority in Europe. The attendant effects of Martin Luther’s reformation in the early period of the sixteenth century occasioned by his posting of the 95 theses that raised objections to some of the then prevalent practices of the Roman Catholic Church eventually led to a significant breakaway from the church of a relatively more liberal Christian sect known as the â€Å"Protestant†. It is worthy of note however that the Roman Catholic Church tried albeit unsuccessfully to placate the breakaway by instituting a â€Å"counter-Reformation† but this only achieved a cleansing of the church internally without achieving much in its most important mandate to prevent the protestant breakaway. Consequently, Europe was enmeshed in bloody religious war largely between forces loyal to the papacy in Rome and those who sympathized with the runaway protestant movement. As a result, the Roman Catholic Church invariably began to lose its pole position in the scheme of things in an already divided Eu rope. As observed in the text, The Western Humanities: the Renaissance to the present, â€Å"By the time Europe had recovered from the first waves of religious wars in 1600, a new system of sovereign states had replaced the old dream of a united Christendom (DeShow MoreRelatedSeparation Of Church And State1446 Words   |  6 Pagesthe separation of church and state still necessary in the overall legal and social aspects of a modern society such as the United States? Research and history show that maintaining the church separate from the government is important for the ongoing success of a free and well functioning society. Separation of church and state is a political and legal doctrine which states that government and religious institutions are to be kept separate and independent from one another. Ideally, the church shouldRead MoreSeparation Of Church And State Essay1513 Words   |  7 PagesSeparation of church and state is a defined as, the understanding of the intent, and function of the Establishment Clause, and Free Exercise Clause. The Combination of church and state has been a topic that, many generations have struggled with for centuries. The first amendment of the constitution states that â€Å"Congress shall make no law about our religious beliefs, or prohibiting our free exercise of religion† If we put our faith in the constitution to define the founding father’s standpoint ofRead MoreThe Separation Of Church And State902 Words   |  4 PagesA Closer look at the Separation of Church and State in the United States Although â€Å"God† is mentioned in the Constitution, this country was built upon the principle of separation of church and state. Despite this ideal, those elected into office: propose, pass, and deny laws based on their religious beliefs, completely disregarding the previously mentioned principle. The problem with that is that the country is so ethnically and culturally diverse that one religion representing an entire nation ofRead MoreThe separation of church and state1200 Words   |  5 PagesThe separation of church and state has been a long debated topic in the history of America. Although founded upon Christian ideals, the framers of the Constitution explicitly outlined the government to function secularly, in what is commonly referred to as the â€Å"Establishment Clause†. When interpreting the Constitution in regards to religion, there are two primary philosophies. The first philosophy this paper will explore will be referred to as Positive Toleration. In gen eral, the idea of positiveRead MoreSeparation of Church and State701 Words   |  3 PagesSeparation of Church and State To understand Locke’s argument for the separation of church and state you first need to understand what the purpose of the government is. Locke stated that the government is supposed to support civil interest. These civil interests include property, life, and security. Therefore the government’s job is to protect the civil interests of the people using force lawfully. Once Locke institutes the power of the government he develops three important assumptions vitalRead MoreSeparation Of Church And State1095 Words   |  5 PagesThe separation of church and state has been encountered and challenged several times in the Supreme Court, which was first mentioned by Thomas Jefferson. However it is not solidly stated in the Constitution on what is right or wrong and good or bad. This theory was modified from various elements from the Constitution essentially the first and fourteenth amendments. In the first amendment it is written Congress shall make no law respecting an esta blishment of religion or prohibiting the free exerciseRead MoreThe Separation Of Church And State1632 Words   |  7 Pages We are currently living in a time where freedom of religion is guaranteed in the United States. It has been since the first amendment of the Declaration of Independence was adopted in 1791. The first amendment prohibits the making of any law respecting the establishment of religion or impeding the free exercise of religion ( (Rotunda, 2004). This amendment established the separation of church and government that our country was founded on and still practices today. We as Americans are freeRead MoreSeparation Of Church And State1825 Words   |  8 PagesSeparation of church and state refers to the division of the relationship between religion and government. Various laws apply to different countries around the world about the separation of church and state. Some involve religion so much into their daily lives; it controls how their country is run. In other places, where it is not mandated as much, it becomes a problem in disputing what is and what is not right. The United States of America faces this issue as they struggle deciding what the meaningRead MoreThe Separation Of Church And State1594 Words   |  7 Pagesdirection and control exercised over the actions of the members, citizens, and inhabitants of communities, societies, and states. While documents have been written to help the leaders of our country, there is constant debate over what changes need to be made. Some believe that the country is falling apart while others think minor adjustments need to be made. The separation of church and state is also a topic of debate. The question of what needs to be changed and where religion falls in all of this are alwaysRead MoreThe Separation Of Church And State Essay1641 Words   |  7 PagesThe separation between church and state is a debate that continues to grow with tension as the culture of America rapidly polarizes. A long-standing claim that America was founded on Christian doctrine is a common argument in favor of the church and state to remain tog ether, yet the most commonly used metaphor explaining what the â€Å"Separation of Church and State† contextually means in today’s terms is simply that government and religion should not coincide with one another in any capacity. Evidence

How Can One Help the Homeless Essay - 1130 Words

How Can One Help the Homeless? The most common thing that comes to mind when someone mentions living in the United States is the â€Å"American Dream†. This dream including a family living in a house with a white picket fence around it. The grass is nice and green and everything seems simple and dandy; however, this is rarely seen. In cities there are often people on the street corners holding up signs that say â€Å"will work for food†, or something along those lines. The people holding these signs are apart of the growing population of homeless. Shelters that help the homeless are full and running out of resources. This may seem like a simple matter, at first glance, but it is actually quite complex. Communities are continuously struggling with†¦show more content†¦However, housing in the United States is still becoming very limited with time; a growing population with nowhere to go is causing overcrowding and lack of housing. However, this is not a problem new to the U.S., housing has be en disappear since the early ‘90s. The availability of rental housing decreased significantly between 1993 and 1995, according to Robert Hess (Hess). A solution to this issue may be to take buildings that are being constructed into condos and apartments and make them into affordable housing; affordable meaning, basing the prices of rent on the net income of families. If the price is based on net income the family will not have to worry about paying taxes along with other costs. Although the diminishing available house contributes to homelessness, it is not the complete cause; it’s the lack of affordable housing. New houses can always be built after purchasing and clearing land, therefore it’s not that difficult for people with money to obtain housing. But what about those that work minimum wage jobs trying to support a family? That’s when it gets tricky. The minimum wage in North Carolina in 2014 is $7.25 an hour (Mejeur). Assume that a mother and father each work forty hours a week; that puts them at making $2,320 a month, before taxes. Monthly housing for the Charlotte, on average, costs $793 a month. That number does not include health care, taxes, and food. With those cost added in the costShow MoreRelatedAnalysis Of Jonathan Kozol s Untouchables 879 Words   |  4 PagesWhen you see the homeless what do you think about? Do you see them and feel disgust or are you someone who wonders how and why they are where they are, or maybe, you are one of the few who want to help and who are able to. In the U.S., more than 3.5 million people experience homelessness each year and that number is growing. They are families with little children, people who are trying to escape domestic violence, people with mental illness, veterans who have served our country, and many more. FromRead MoreShould Homelessness Be Criminalized?1747 Words   |  7 PagesShould Homelessness Be Criminalized One of the most discussed topics around the world is homelessness. Each and everyday more and more people become homeless. People around the world have tried numerous times to resolve this dilemma. This situation is growing and it s starting to spiral out of control. One solution that s getting popular the more we let this situation grow is that criminalizing the homeless is good. People cannot criminalize the homeless. Homeless people should not be criminalizedRead MoreTaylor s Campaign : The Homeless1690 Words   |  7 PagesThe Homeless Kristal Lopez California State University, Fullerton Sociology 371 Section 02 Abstract Homeless are people who do not have the basic necessities to survive which leads them to living on the streets. In places like Santa Monica there are many homeless and rather than the city addressing the problem they are just making it like it doesn’t exist. Forcing the homeless to fix the situation when they are not able to get through. Middle class Santa Monica residents see the homeless as aRead MoreThe Problem Of A Program1465 Words   |  6 PagesChina is one of the most common known countries to have homelessness as an issue. China has more than 200 million people that are homeless, which is including the recorded 1 million children as well. This is an obvious issue because there is no need for there to be homeless when there are available resources to help them. They have programs put in place to help out the homeless, but it is not working because they do not have the resources to do everything that needs to be done.. We need to createRead MoreHomelessness Discursive 1420 Words   |  6 Pagesviews about the homeless and from the homeless. Also, let us examine some initiatives that may help or solve the problem of homelessness. After extensive research, it can be seen that there are many reasons for becoming homeless such as: family problems, debt, drink and drug abuse and arguments in a family. Some people who become homeless are homeless because of debt. This happens when people do not have enough money and have to borrow loans which they cannot pay back. This can lead to homelessnessRead MoreKelsey Bradley. Kendra Gallos. English Iii Honors. 6 April1619 Words   |  7 Pageslinger from other homeless people sleeping close by is nauseating but soon goes away because it becomes a way of life. Hunger has set in and begging people for food is the only option. People in society tend to label the homeless as alcoholics or drug abusers. The homeless people who choose to do such things set a bad example for homeless individuals who truly need help. Homelessness affects people of all ages, races, and backgrounds and most people in society judge the homeless unfairly becauseRead MoreIs Homelessness The United States?1384 Words   |  6 PagesHomelessness is something that can be temporary or chronic. It is when an individual or family does not have and cannot afford a suitable place to live long term. Things like staying in a shelter, one room facilities (motel) or staying with a family member or friend does not mean you are not homeless. If you cannot afford suitable long term accommodations yourself, then you are considered homeless. When you are referring to youth homelessness they are considered homeless if they do not have parentsRead MoreThe Homeless Veterans Wandering On The Streets Of America1465 Words   |  6 Pagesabout the homeless veterans wandering in the streets of America. All around America there is numerous homeless veterans who seek for a better way of life. They crave for jobs, food, and shelter. All they want in life is to live the American Dream, a dream full of opportunity and wealth. In 2013, Veteran Affairs had an estimation of 610,042 homeless people recorded in the United States, and over 394,698 of those homeless people were living in shelter homes. This means that 215,344 homeless people wereRead MoreHomelessness : America s Resources For The Homeless Are Scarce1452 Words   |  6 PagesResources for the Homeless are Scarce in America Justin Hooks Fayetteville State University 2/27/2015 Abstract In this study, I will take the time out and investigate the effects that every day citizens have on homeless citizens and how we can play a big role in helping homelessness decrease. Over the past years many citizens haven’t established safe and stable places to live. I will then elaborate on how you can be sheltered and unsheltered and still be considered homeless. My main objectiveRead MoreThe Effects of Homelessness on Children1654 Words   |  7 PagesIndividuals who are homeless are faced with physical, emotional, and psychological challenges each day. It is common for people who are homeless to have had a life riddled with traumatic experiences like physical and mental abuse and drug use. Homelessness gained public attention in the late 1970s because homelessness became more visible when it began to include women and children. Today homelessness can be linked to various other problems. It is estimated that 200,000 thousand Canadians have lived

Behaviour and Information Technology Method

Question: Discuss about the Behaviour and Information Technology Method. Answer: Introduction Human-computer interface is a discipline that deals with human interaction with computers and the level of utility as a result of these interactions. One of the major ways human interacts with computers in current times is the internet and more precisely, websites form which they can access tons of information across all the aspects of life. Its therefore of grave importance that we study how the design and presentation of a given website facilitate the human-computer interaction, which is the sole purpose of this report. It is, therefore, the aim of this report to expound on what property or aspect of a website improves or hinders effective interaction hence lowering the utility of that website. This report will examine the components of a chosen site and with the information obtained, model an efficient website to serve both its owner and the visitors. This report will also evaluate the reaction of different people to various components of a website. The website given is a media website that specializes in news, ranging from sports, economy, politics and lifestyle. The images are placed above the texts, and the various elements are well positioned so that the website appears orderly (Polson, 2013). It has a scroll down structure and a search panel at the bottom below which contact shortcut for the company, online security link, terms of use and copyright information are included. At the top right and bottom center rests a beautiful company logo. Graphic images have been used a better part of the website to pass the message on the link below it (Tsai, 2014). Here is an example of an image used; There is also varying color use all throughout the site. The font in use is Helvetica size 11 which is visible to the medium type of vision and also not so complicated for quick reading because site visitors only take very short time in a given website and hence visible and easily readable font helps a great deal. There is also varying color use on the background to help in enhancement with most of the parts having black or gray text on white background (Lowry, 2014). In some parts the text has been animated, the flashing movement draws the attention of the visitor which increases the possibility of that text being read. The blue color is predominantly used trough out the page unifying the content of the company (Kaneshiro, 2015). The website also contains Ads as well as a promotion pop up for her customers. The content of the site is well managed and not monotonous since after visiting the site for the second time, the information as well as the images, has changed hence capturing the visitor's attention time and again (Mayshak, 2017). The news has been updated, and even newer images included hence prompting the visitor to follow the links and hence the information gets spread. The search panel at the top is a very important tool since it helps a reader who does not wish to go through the whole text looking for the specific thing so they just type the keyword and acquire it faster (Yang, 2016). This site has two search panels both at the top and the bottom hence catering even for that visitor who just remembered to such for something after scrolling all the way down. The site is also accessed within a considerably short period and hence no frustrations experienced by visitors due to slow loading sites which cause loss of visitors (Chen, 2016). There are also social media icons that pop up once a visitor clicks on a link making it easier for them to share content on the site to other platforms and once others click on the link, they visit the website too. It also includes a current weather conditions update section which would make a visitor want to visit the site again just to get an update and while in the process, they read other information in the site. Covering the whole extent of news coverage helps to cater for a bigger number of people and hence securing a bigger number of visitors (Mclaughlin, 2016). The inclusion of daily horoscope section would compel that section of visitors who love them to visit the site on a daily basis and in the process they get the daily updates which result in growth in the website's popularity (Abu-Doush, 2013). The appearance of the horoscopes is also animated helping to catch the attention of the readers. The website also includes a complaint and feedback section under my contact section right at the bottom of the site. This provides a platform for visitors to air their concerns so that the site owner can correct that. It is also a good platform where the website owner can interact with the sites visitors eventually equipping him/her with skills to improve the site (Kingsolver, 2014). There is also a section which provides to support articles where visitors can access any extra help they require on a given topic or issue. This helps to raise the level of satisfaction visitors get by increasing the range of sources (Lfstrm, 2015). Conversely, the website lacks chartroom provision where visitors can engage online on a given topic that has appeared on that website (Pallud, 2014). This is a very important tool that makes the readers feel they really own the site therefore they are likely to visit it even more often than not. This also provides the website owner with an easy way to assess the level of impact posts in the site are having on the visitors, that is, how interested they are to reading and assimilating the content in the site (Siibak, 2015). The site also lacks a touch of color scheme. This is where different colors are placed adjacent to each other in a key sentence contained in a website so that each word is contained in its own color background or some other color pattern. This draws the attention of color lovers really quick making sure they do not miss out on important points (Dania, 2016). To obtain more inclusive and conclusive results, i invited two colleagues in the university to review the site and comment, their names, Janet and Michael. Michael is a gentleman, 23 years and in his final year doing a bachelor's degree in economics whereas Janet is a lady 30 years old and currently working as an accounting consultant. Janet said the colors did not appear so appealing since blue appeared to be widely used, a color she termed as old. It was her view too that a little graffiti would aid in capturing attention of the youth audience. She said that fancy things make people of even her age feel that all their needs have been catered for and that, that piece is really meant for them. Also, she added that a comments box would help a new user capture the whole idea of the site faster. Michael said that the colors were okay for him, but the company logo does not have an element of news' or media.' He said that an image of some media device or recording tool should be crafted into the logo so that it can pass a message about the company by itself. The views of Janet differ slightly from mine when it comes to the addition of graffiti and fancy staff to the site, the reason being such an act would result in deviation from the whole message contained in the site. That kind of material depicts a website that contains artistic material such as drawings and painting website hence not appropriate for this site. On the part concerning colors, a little tuning up to make them shouting' would help. The addition of a comment box is in line with my view to enable engagements with visitors. I am in agreement with Michael's view that the logo should be redesigned to make it appear media-like.' Conclusion Most of the basic requirements of a famous website have been met by this website ranging from text size, font to color use. The content is well managed and regularly updated with graphical representation well used. Nevertheless some finer details need to be added to raise its functionality. Navigation through the site is well structured making it easy to access information available. The eye catching properties are lower than modern requirements in terms of vibrancy and intensity. Visitor's interaction platform is a component that should be added to the website to make their participation part of the website. More color patterns should be added to cater for those visitors who are fancy of colors since they react first to color then to content. The font color-background color difference should be worked on since on the topmost right corner, the light blue font on a gray background may not be clearly visible to some visitors. Lastly, the company logo should be modified to incorporate a more media oriented component.' The quality of the images in the site should be improved a note higher so as to improve the appearance of the site. References Abu-Doush, I., Bany-Mohammed, A., Ali, E. and Al-Betar, M.A., 2013. Towards a more accessible e-government in Jordan: an evaluation study of visually impaired users and Web developers.Behaviour Information Technology,32(3), pp.273-293. Blake, T., Nosko, C. and Tadelis, S., 2015. Consumer Heterogeneity and Paid Search Effectiveness: A Large?Scale Field Experiment.Econometrica,83(1), pp.155-174. Hsieh, M.Y., 2016. The most potential principles of social media.Computers Electrical Engineering,51, pp.376-388. JOHNSTON, K., JR., 2016.Method and system for securely updating a website. 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Linking objective design factors with subjective aesthetics: An experimental study on how structure and color of websites affect the facets of users visual aesthetic perception.Computers in Human Behavior,49, pp.375-389. Sheleheda, D., Amoroso, E.G., Cama, C., Feng, J., Leibolt, G., MacWan, S., O'hern, W., Torres, V. and Yu, Y., AtT Intellectual Property I, LP, 2015.Method and system for improving website security. U.S. Patent 9,172,712. Singh, R., 2016. The Beneficial Suggestions to Improve Page Rank, Website Popularity importance of Search Engine. US Department of Health and Human Services, 2015. NIH News website. National Institutes of Health. NIH halts use of COX-2 inhibitor in large cancer prevention trial. December 17, 2004. Yin, X.J., Xu, J.G. and Zhao, X.F., 2014. For Search Engine Optimization Strategy Analysis of Website Design. InApplied Mechanics and Materials(Vol. 519, pp. 383-386). Trans Tech Publications.