Sources Of Finance And Starting A Business Finance Essay - Free Essay Example

Sample details Pages: 4 Words: 1172 Downloads: 9 Date added: 2017/06/26 Category Finance Essay Type Argumentative essay Did you like this example? Bank Overdraft Most businesses have an account with a bank. The bank deals with all the deposits (money put into the account) and withdrawals (money taken out). Most banks know that businesses do not always receive money from sales straight away. If you run a sandwich bar in a local trading estate then you might get money straight away when you sell your sandwiches. If you are a business selling electrical equipment to an electrical retailer then you may not get paid straight away when you deliver your goods. Trade Credit This is a period of time given to a business to pay for goods that they have received. It is often 28 days but some businesses might not pay for 6 months and on some occasions even a year after they have received goods. Don’t waste time! Our writers will create an original "Sources Of Finance And Starting A Business Finance Essay" essay for you Create order Credit Card A credit card works very much like trade credit. If you buy something using a credit card, you will receive a statement once a month with the details of the amount spent during the last month. You then have a certain period of time to either pay the full amount or a minimum amount. Lease Most businesses have to buy equipment and machinery of some sort. Many firms have a fleet of company cars which certain staff uses or vehicles that they use for distribution. There are a number of ways of buying these things. The business might go to the bank for a loan, arrange some sort of finance deal with the supplier, and use cash they have in the business or arrange a lease option. Bank Loans Bank loans are very flexible. They can vary in the length of time that the loan has to be repaid. Loans arranged with a bank that are less than one year are regarded as short term finance. As with any other form of loan there are interest payments to be made and this can be expensive and also can vary. Long term sources of finance Shares A share is a part ownership of a company. Shares relate to companies set up as private limited companies or public limited companies (plcs). There are many small firms who decide to set themselves up as private limited companies; there are advantages and disadvantages of doing so. It is possible, therefore, that a small business might start up and have just two shareholders in the business. Venture Capital Venture capital is becoming an increasingly important source of finance for growing companies. Venture capitalists are groups of (generally very wealthy) individuals or companies specifically set up to invest in developing companies. Venture capitalists are on the look out for companies with potential. They are prepared to offer capital (money) to help the business grow. In return the venture capitalist gets some say in the running of the company as well as a share in the profits made. Government Grant Some firms might be eligible to get funds from the government. This could be the local authority, the national government or the European Union. These grants are often linked to incentives to firms to set up in areas that are in need of economic development. In Cornwall, for example, there have been a number of initiatives to encourage new businesses to locate there. Bank Loans As with short term finance, banks are an important source of longer term finance. Banks may lend sums over long periods of time possibly up to 25 years or even more in some cases. The loans have a rate of interest attached to them. This can vary according to the way in which the Bank of England sets interest rates. For businesses, using bank loans might be relatively easy but the cost of servicing the loan (paying the money and interest back) can be high. If interest rates rise then it can add to a businesses costs and this has to be taken into account in the planning stage before the loan is taken out. The source of finance selected by the HAYATABAD FAST FOODS is loan because we will not invest all available money into the business. FACTORS FOR APPROPRIATE SOURCE OF FINANCE A business faces three major issues when selecting an appropriate source of finance for a new project: Can the finance be raised from internal resources or will new finance have to be raised outside the business? If finance needs to be raised externally, should it be debt or equity? If external debt or equity is to be used, where should it be raised from and in which form? Can the necessary finance be provided from internal sources? In answering this question the company needs to consider several issues: How much cash is currently held? The company needs to consider the amount held in current cash balances and short-term investments, and how much of this will be needed to support existing operations. If spare cash exists, this is the most obvious source of finance for the new project. If the required cash cannot be provided in this way then the company should consider its future cash flow. A cash budget can be prepared, but it is probably too detailed at this stage. A cash flow statement as shown in Example 1 would probably be more practical. Other factors can be The debt or equity decision Equity Finance Debt Finance Debt finance includes The duration of the loan Fixed v floating-rate borrowing Status of company Currency of borrowing IMPLICATIONS Implications of different sources of finance on a business are discussed below Implications of sources of finance can be good as well as bad for a business organizing firm Loanacirc;â‚ ¬Ã¢â€ž ¢s implications can be both good and bad or positive or negative. Itacirc;â‚ ¬Ã¢â€ž ¢s easily available but the problem is that while paying the loan back to the bank, individuals or organization interest has to be paid which means we have to pay almost double of the amount we borrowed. Leasing also has its impacts like giving of installments but its good because it doesnacirc;â‚ ¬Ã¢â€ž ¢t make that much burden on firm The other sources of finance also have their impacts including positive and negative both. The implications on HAYATABAD FAST FOODS source of finance which it has taken mean loan is to pay the interest. THE IMPLICATIONS OF SOURCE OF FINANCE SELECTED FOR MR JAVEDacirc;â‚ ¬Ã¢â€ž ¢S BUSINESS ARE: POSITIVE IMPLICATIONS: Getting the money you desired for your need. In some cases credit unions are better places to get loans than banks but it depends on the amount and use for the money. Competitive interests rates. Bank loans are always available. Can get in large amount. NEGATIVE IMPLICATIONS: Regular payment. Policy modification. Change in interest rate. Personal assets can be targeted. Have to pay back in stated time. Delay in taking loan because of so much paper work and bank policy. Not everyone could qualify for loans. Have to pay back with interest. REFERNCE LIST:- www.google.com www.ask.com www.investopedia.com www.businessdictionary.com www.encarta.com

Everybody Hates Chris Is A Sitcom - 958 Words

Everybody Hates Chris is a sitcom about a young African American teenage boy growing up in Brooklyn, NY in the 1980s, based on and told from the experiences of Chris Rock, Emmy-award writer/actor/comedian. Chris is the oldest of three children who unlike many children in his community has both of his parents in the home. His father is a penny-pinching workaholic with two jobs, and his mother works part-time to help support the family although they are scrimping and scraping to get by. Both parents want the best for Chris and after moving from the projects they took up residence in Bedford Stuyvesant (Bed-Stuy), NY. Chris is sent to a school outside of his district for chances at a better education. Chris has to travel to South Shore a predominately Italian neighborhood to attend Corleone Junior High. There Chris is a target for bullies due to his race and delayed education coming from an inner city school. The episode I selected is Everybody Hates the Substitute. In this episo de, Chris has a substitute teacher Mr. Newton, which is covering the class for his regular teacher Ms. Morello. The substitute teacher who is also African-American has singled Chris out and is making him perform to a higher standard than his peers. This episode highlights the disparity between education systems in affluent communities versus inner cities resulting in institutional discrimination. It also shines a light on discrimination that perpetuates the workplace requiring African-AmericanShow MoreRelatedThe, Good Times, And Modern Day Sitcom1221 Words   |  5 Pagesdeal. Education is one of the most powerful apparatuses to sever the hardships of poverty. The popular 70’s sitcom â€Å"Good Times† and modern day sitcom â€Å"Everybody Hates Chris†, are two perfect examples of two struggling African American families that values education because of their race, family structure, and family roles, which displays reflection of society. In the popular 70’s sitcom â€Å"Good Times†, demonstrates a perfect example of monetary hindered family that values education because theirRead MoreThe Impact Of Television On Television1402 Words   |  6 Pagescomedies (sitcoms), and cartoons, validated that these traditional and non-traditional roles are still present in television today and that they are found across different categories of television. After scoring the traditional and non-traditional orientations and behaviors of shows from all three categories, sitcoms incorporated the most traditional roles among the sexes. These sitcoms included The Office, Episode 3 â€Å"Health Care†, Season 1, Aired April 5, 2008 and Everybody Hates Chris, Episode 1Read MoreDy-No-Mite! Stereotypical Images of African Americans on Television Sitcoms4305 Words   |  18 Pagesof African-Americans on Television Sitcoms The more television changes, the more it stays the same for the genre of African American sitcoms. Some critics believe that African Americans will never accept the images they see of themselves on network television. Like whites, African Americans on television sitcoms should be portrayed â€Å"in the full array of cultures that exist in our society.† Most likely, the majority of white television viewers see a sitcom as no more than 22 minutes of broadcastRead MoreGlee Essay9324 Words   |  38 PagesQuinn Fabray; meanwhile, his best friend, Puck Puckerman (Mark Salling), who did get Quinn pregnant, is rampaging though the neighborhood sleeping with the cougar mothers of his classmates. There are also politically correct touches. Kurt Hummel (Chris Kolfer), the member of the glee club who likes to dress in black lace, not only comes out in the course of the first season but also leads the winless football team to their first victory by teaching them all how to dance. Yet Kurts character is

Serial Killing is the illegal killing of one person by...

Serial Killing is the illegal killing of one person by another and killings are committed for pleasure, control, mental problems, or for revenge. It is very astonishing that people will kill others for fun or because they feel isolated from society. With the existence of serial killers, there will be many more reasons why they kill and it will always surprise society for the reasons serial killers commit crimes. Society will also not be expected to know or understand when and why these crimes are being committed. The only people who will truly understand why crimes are committed are those who commit them. Zodiac is a movie with Jake Gyllenhaal, Mark Ruffalo, and Robert Downey, Jr. Jake Gyllenhaal is Robert Graysmith who is a cartoonist†¦show more content†¦There is blood in the radio, in the seats, and the steering wheel. After zodiac shot the couple he walks to his car and comes back to shoot them again. After shooting his victims the zodiac drives off and makes a call to t he police to report a double murder from one mile East on Columbus park way and says two kids were shot in a brown car with a nine millimeter ruger. Zodiac also tells the police he killed those kids last year and ends the call with a goodbye. Four weeks later in San Francisco California, Graysmith is driving his son to school. After dropping his son at school Graysmith is drawing in a notebook and parks in front of San Francisco Chronicle. Inside the San Francisco Chronicle there is chaos all over the place, there are people organizing and sorting mail. Graysmith gets inside a crowded elevator to get to his office and arrives to his desk and begins to look at cartoons he drew. A co-worker passes by his desk and tells him editorial in two. Graysmith goes to editorial with a group of men and hands his cartoons to the editor and he decides which cartoons they will use. Minutes later, the editor and Avery are speaking about a crime and joking, when the secretary, Carol Fisher, arrives w ith a letter and a cipher and hands it to the editor. The editor begins reading the letter and tells Fisher to get the publisher. The editor begins reading the letter and the letter speaks about the murder of two teenagers at Lake Herman and theShow MoreRelatedThe Zodiac Of A Zodiac1273 Words   |  6 Pages The zodiac calendar is an astrological theory that leads a path from the sun, moon, and planets creating a â€Å"belt† shape. This pathway follows around the earth into twelve sectors, each of which are associated with a sign, a symbol and a personality type. (Astrology) The twelve signs are Aries, Taurus, Gemini, Cancer, Leo, Virgo, Libra, Scorpio, Sagittarius, Capricorn, Aquarius, and Pisces. Each sign relates to a specific month on our calendar system, and who ever is born on a certain day and monthRead MoreThe Zodiac Signs1141 Words   |  5 Pagesthem. The zodiac is a band of the sky along which the Sun, the Moon, and most of the planets move. It is divided into twelve parts, with each named for a nearby constellation. The twelve zodiac or astrological signs are associated with four essential elements, which are used to describe a person s place in the world. Those elements are air, water, earth, and fire. All of these must co-exist peacefully and work together in sync in order to achieve balance in life. The twelve zodiac signs areRead MoreZodiac Movie Analysis1421 Words   |  6 Pageshis reputation in Hollywood with 1995s Se7en.Unlike that Brad Pitt thriller, however, Zodiac is relatively free of the action, quick cuts and high-tech camera work that made Fincher a favorite of crime film fans. If anything, Zodiac is nearly three hours of people talking and chasing dead ends and bad leads.Its still scary, Fincher says. But Ive done movies where my process of making the movie hindered it. I enjoyed this more than Panic Room b ecause we dont get away from the story.PerhapsRead MoreEssay on Astrology and the Zodiac852 Words   |  4 Pages When I was little, I really didn’t know what astrology was or what your zodiac sign was. When I was growing up, I finally figured out what it all meant and how it worked. From that point on I was instantly clicked. I loved reading my horoscope and when ever I did read it, nine out of ten times it would be right, and that’s why I loved reading my horoscope. It was just something I did every morning, and then I would go throughout my day. Then at night when I would be back on the computer,Read MoreDoes Zodiac Sign Matter?988 Words   |  4 PagesDoes your Zodiac sign matter? A lot of people ask what astrology is and what the Zodiac signs are. They also ask whether they can trust what the zodiac signs say about them. Zodiac signs, horoscopes, or Astrology had been topics that created arguments between lots of people. A lot of people believe in zodiac signs and their descriptions about the people’s characteristics. Other people think believing in Zodiac signs is just like believing in superstitions. Believing is Astrology might not soundRead MoreEssay on The Zodiac Killer2341 Words   |  10 PagesThe Zodiac Killer Works Cited Not Included In the late sixties and early seventies, California was haunted by dozens of unsolved murders. The offender remains unknown to this day. The murderer, who referred to himself as the Zodiac, made contact with the police and area newspapers throughout his reign of terror through a series of menacing notes. Although the police were never able to apprehend Zodiac, they were able to gather information about him via the letters. Zodiac boasted of killingRead MoreThe Secret Of Buying The Perfect Flower For Different Zodiac Personalities1086 Words   |  5 PagesARTCILE 1_ EASY FLOWER_ 03_05_17 Decode the Secret of Buying the Perfect Flower for Different Zodiac Personalities Flowers are like the beautiful creation of God that can bring a smile and inner happiness for any individual. Totally amazing and special! To get the fresh and delicate flowers is through good flower delivery services. Fortunately, there are so many fabulous blooms we are blessed with. So, it can be a little hard to choose, which ones to fill your home with or to give it to others asRead More The Zodiac Killer Essay2809 Words   |  12 Pages (Tina 12).From then on, after each new killing, the Zodiac mailed a letter to one of the local area papers, or the police, taunting and playing with them, as well as claiming responsibility for the murders. In all, the Zodiac killer claimed responsibility for thirty-seven murders, but the police could only identify seven as positively being Zodiac victims. After many years of research on the subject though, it has been found that the Zodiac may have been responsible for as many as fifty-six homicidesRead More The Zodiac Signs and Human Behavior Essay1094 Words   |  5 PagesThe Zodiac Signs and Human Behavior My belief is that the nature of our behavior is based on astronomy; hence the reason that people who share the same zodiac sign have very similar characteristics, and sometimes a combination of people with certain zodiac signs cannot get along or are very compatible. Sometimes I can tell from a person’s sign because of their behavior, and likes and dislikes. Learning more about astrology and the zodiac signs helps us to understand people and their actions. 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The Yanomamo of the Amazon Basin Essay - 1458 Words

Yanomamo Paper Assignment nbsp;nbsp;nbsp;nbsp;nbsp;Napoleon Chagnon has spent about 60 months since 1964 studying the ‘foot people’ of the Amazon Basin known as the Yanomamo. In his ethnography, Yanomamo, he describes all of the events of his stay in the Venezuelan jungle. He describes the â€Å"hideous† appearance of the Yanomamo men when first meeting them, and their never-ending demands for Chagnon’s foreign goods, including his food. There are many issues that arise when considering Chagnon’s Yanomamo study. The withholding of genealogical information by the tribesmen, and how Chagnon was able to obtain his information is an interesting and significant aspect of this study. Why did Chagnon feel that this genealogical information was†¦show more content†¦He even increased the reward given to villagers who were willing to give genealogical information and therefore created a rapid craze of helping villagers. This way, they were competing to give him information for their eventual rewards, not plotting against him. It took him months to compile his accurate collection of genealogical data, and even after gathering most of it, he still needed his friend, Rerebawa, to double-check most of it for him. He even went so far as to seek out other villages who had bad relations with Bisaasi-teri to break the â€Å"name taboo† and give away names. Chagnon felt that the most important aspect of his research in Bisaasi-teri was to collect genealogical information and organize the marriages and relations between the villagers. This turned out to be his most difficult task, but nonetheless the most useful. He tells in the very beginning of the ethnography that the Yanomamo are considered a very â€Å"primitive† societal organization of human beings. The most obvious sign of primitive human life is simply the way the dress. In addition, their fickle nature, lack of industry, methods of hunting and gathering, and political organization, contribute to their primitive nature. As proved by anthropologists, primitive human life is essentially based on genealogy, marriage practices, kinship, settlement arrangements and political affairs. It was throughShow MoreRelated Yanomamo Indians Essay880 Words   |  4 Pages This paper looks on Yanomamo Indians traits and describes their actual way of life; the basic question that might be asked will be answered: who they are, where do they live, how do they gather food to survive and what are their skills in this domain; also how these Indians are organized politically and how are the social relations among the families and between neighboring tribes. Then, how the devastation of the scientists and journalists have changed the Yanomamo Indians way of life in the currentRead MoreLeslie Sponsels Approach to Investigation of the Amazon Basin1632 Words   |  6 Pagesï » ¿Leslie Sponsel takes a remarkably sensible approach to certain academic controversies over anthropological investigation of the Amazon Basin. To som e degree, Sponsels article demands to be understood in a larger context within the overall ecosystem of academic anthropology, so to speak. As indicated in the title of her article, Sponsel approaches the subject with a special focus on adaptation, which necessarily implies changing conditions. As she notes in her introductory remarks: For convenienceRead More Yanomamo: People of the Rainforest Essay2947 Words   |  12 PagesYanomamo: People of the Rainforest Located in the Amazon Basin of Southern Venezuela and Northern Brazil, the Yanomamo are an indigenous group numbering close to 23,000. They utilize slash and burn horticulture, hunting and gathering to survive within their ecosystem. Napoleon Chagnon termed the group, â€Å"fierce people†, citing their numerous disputes within non-allied villages. Aside from their periodic warfare, they have managed to build and sustain their unique culture through adaptations

Explanation of Shakepeares Sonnet 147 - 1422 Words

Love is a Disease: An Explication of Sonnet 147 Love is a disease. Desire is deadly. When one thinks about Shakespeare’s sonnets, the instinctual response is the thought of romance. For instance the adoring lines, â€Å"Shall I compare thee to a summer’s day/ Thou are more lovely and more temperate† (Sonnet 18, 1-2), are thought to be the most famous words from a Shakespearean sonnet. However, instead of describing love in a starry-eyed fashion, Shakespeare discusses the punitive characteristics of love in Sonnet 147. The persona describes love as an infectious illness caused by sexual appetites. The persona’s mind knows better than to indulge his appetite, but he does not listen to his logic. He begins the sonnet by stating the primary†¦show more content†¦Like the personification of reason, this metaphor gives the word desire greater importance. This aids in the quatrain’s main dispute of reason versus desire. â€Å"Desire is deathà ¢â‚¬ , is a harsh and straightforward metaphor. The persona expresses that desire is what causes the toxic disease. The use of punctuation also isolates the words desire and reason to show their importance to the quatrain. â€Å"My reason,† (5) is followed by a comma. When the reader says this out loud, it forces the reader to pause where the coma is. In doing so, the word reason is separate from the rest of the sentence and emphasized. The comma also creates a visual separation that creates emphasis. In the same way, â€Å"Desire is death,† (8), is also followed by a comma. The same emphasis applies here, which strengthens the quatrains conflict of reason versus desire. In the third quatrain, the persona expresses that he is hopeless. His sexual appetite cannot be cured. He is now angry, and like a madman tells lies due to his detrimental sexual desires. This quatrain portrays the conflict between desire and the cure. Desire has overcome the cure and the persona is now hopeless of overcoming this disease. In the first line, Shakespeare introduces the meaning of the quatrain, â€Å"Past cure I am, now reason is past care† (9).

Hammurabis Code, Was it Just free essay sample

Mesopotamia, â€Å"the Land between Rivers,† was one of the greatest and the oldest ancient civilizations of the world. This civilization flourished around 3000 B.C.E. on the piece of fertile land, now known as Iraq, between the rivers Euphrates and Tigris. Before 1792 B.C.E the city-states of ancient Mesopotamia were not united and constantly clashed in turmoil and warfare. In 1792 B.C.E King Hammurabi conquered and merged the neighboring city-states of ancient Mesopotamia, creating a Babylonian empire and becoming the sixth king of its capitol city, Babylon. During his reign, Hammurabi established law and order and funded irrigation, defense, and religious projects. He personally took care of and governed the administration. In fact, in 1784 B.C.E he wrote two hundred eighty-two laws governing family, criminal punishment, civil law, ethics, business, prices, trade, and every other aspect of ancient life—this set of laws became known as â€Å"The Code of Hammurabi. We will write a custom essay sample on Hammurabis Code, Was it Just? or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page † Carved upon a black stele (Doc A.) eight feet high where everyone could read them, based off these two hundred eighty two laws, I believe Hammurabi’s Code was not just based off three simple aspects, justice for the accused, justice for the victims, and justice for the people of society. Hammurabi’s Code was not just for the accused, according to Law 195, (Doc C.) â€Å"If a son shall strike his father, his hands shall be cut off.† What if that son had struck his father in an act of self-defense? The father then effortlessly reports his son’s actions and can even disinherit him from the family according to Law 168 (Doc C.) of Hammurabi’s Code, all because the son was trying to defend himself. In Law 218 (Doc. E) â€Å"If a surgeon has operated with a bronze lancet on a free man with serious injury, and has caused his death, his hands shall be cut off.† In other words, if a man dies during surgery, the doctor loses his hands. What if the man was minutes away from dying when the doctor began surgery? That doctor, who was neither responsible for the man’s death nor capable of saving it, will now lose his hands due to an unjust law. Hammurabi’s Code is also unjust for the victim. In Laws 48, 209, and 213 for instance. In Law 48 it claims that â€Å"If a man has borrowed money to plant his fields and storm has flooded his field or carried away the crop, that year he does not have to pay his creditor.†(Doc. D) This law may seem just as the man had no control over the weather therefore it is fair. But it is not; the creditor is out money and has no legal way of regaining it. For this law to be just, the man could have to pay the creditor one-third of his borrowed money over the course of the next year. This way the creditor isn’t out all of his money and the farmer doesn’t have to pay him back something he cannot afford. In Law 209, (Doc E.) â€Å"If a man is to hit a free girl and cause her to lose her child, the man is to pay ten shekels of silver.† Compared to Law 213, â€Å"If a man is to hit a slave girl and cause her to lose her child, the man is to pay two shekels of silver.† This is unjust because it changes punishment based on social rank so that free people are worth five times that of people who are slaves. Hammurabi’s Code is also unjust for society itself. In Law 23, †If a robber is not caught, the man who has been robbed shall formally declare whatever he has lost before the gods, and the city and the mayor in whose territory or district the robbery has been committed shall replace for him what has been lost.† If man has one hundred shekels of silver stolen from him and formally declares this before the gods. Everyone in the city must pay for his loss. Because of the robber, everyone has to lose something. If a robber steals an amulet and sells it to someone who is unknowing of the crime, and they are caught, both the thief and the buyer of the stolen property are put to death. That is why these laws and the Code are unjust. Based off these three aspects, the victim, the accused, and society, Hammurabi’s Code and laws are unjust. Hammurabi failed to recognize the value of human life. If one man is to kill another, the man pays a sum to the family. If a thief is to steal some money from a home he is sentenced to death. The first man killed a human being. You cannot replace life. This is why Hammurabi’s laws were unjust and cruel to the victims, the accused, and society in the face of justice.

Economy of Washington in Earlier History free essay sample

The economy in Washington experienced a drastic change between World War I and World War II. This significant change was caused by the Great Depression which started in 1929 and lasted for ten years. The Depression was caused by the crash of the stock market which caused people to become nervous and behave erratically. Suddenly everyone rushed to get their savings out of the banks, but the banks didn’t have enough money to pay back the people. The loans that the bank had given were not all fully paid off so the banks didn’t have the money to return to their customers. This caused huge problem in the economy and for the people. Also companies lost great amounts of money in the stock market and couldn’t employ the people they once could. This is when the President, Franklin D. Roosevelt, proposed the New Deal. The New Deal helped give jobs to citizens through public works and provided a pay scale that would give the people enough money to live. We will write a custom essay sample on Economy of Washington in Earlier History or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page One of the major public works projects was the creation of the Grand Coulee Dam located in central Washington.