Fixed Costs Essays (Examples)
Study Document
Understanding The Factors Affecting The Success Of Credit Risk In
… financial institution. The research study conducted by Garr (2013) identified a number of variables including the ownership structure of the financial establishment, operating costs, proficiency and efficacy of the bank’s management, quality and composition of the bank deposits, quality of the bank assets, size and capital of ……
References
References
Bhattarai, Y. R. (2016). Effect of credit risk on the performance of Nepalese commercial banks. NRB Economic Review, 28(1), 41-64.
Das, A. and Ghosh, S. (2007). Determinants of Credit Risk in Indian State-owned Banks: An Empirical Investigation. Economic Issues, 12(2): 48-66.
Derelio?lu, G., & Gürgen, F. (2011). Knowledge discovery using neural approach for SME’s credit risk analysis problem in Turkey. Expert Systems with Applications, 38(8), 9313-9318
Garr, D. K. (2013). Determinants of credit risk in the banking industry of Ghana. Developing Country Studies, 3(11), 64-77.
Gizaw, M., Kebede, M., & Selvaraj, S. (2015). The impact of credit risk on profitability performance of commercial banks in Ethiopia. African Journal of Business Management, 9(2), 59-66.
Johnson, B., & Christensen, L. (2008). Educational research: Quantitative, qualitative, and mixed approaches. New York: Sage.
Kithinji, A. M. (2010). Credit risk management and profitability of commercial banks in Kenya. (Doctoral dissertation, University of Nairobi).
Limam, I. (2001). Measuring technical efficiency of Kuwaiti banks. Kuwait: Arab Planning Institute.
Study Document
Globalization Of Insurance
...Fixed costs While the U.S. enjoys the largest insurance market, U.S. companies no longer own the majority of the insurance market share in the country. Foreign companies do with 74% (Vaughan & Vaughan, 2013). This goes to show the extent to which foreign companies have grown in the insurance industry thanks to the globalization of insurance but also to the spread of wealth throughout the world. Insurance companies and finance go together as the former depends upon the latter for return on investment (ROI). Part of the problem with the globalization of insurance is that everything has been globalized—right down to investable markets. Since 2008, central banks around the world have lowered rates to the point that it is impossible for insurance funds to obtain a targeted ROI without investing in risk assets. Likewise, regulatory bodies have gone global as well with organizations like the Common Framework for the Supervision of Internationally……
References
References
Egan, M. (2018). Tax cut triggers $437 billion explosion of stock buybacks. Retrieved from https://money.cnn.com/2018/07/10/investing/stock-buybacks-record-tax-cuts/index.html
Flegm, E. H. (2008). The Need for Reliability in Accounting. Why historical cost is more reliable than fair value. Journal of Accountancy, 205(5), 34.
Healy, P. M., Palepu, K., & Serafeim, G. (2009). Subprime Crisis and Fair-Value Accounting. HBS Case, (109-031).
Laux, C., & Leuz, C. (2010). Did fair-value accounting contribute to the financial crisis?. Journal of economic perspectives, 24(1), 93-118.
Light, L. (2019). More than Half of All Stock Buybacks are Now Financed by Debt. Here’s Why That’s a Problem. Retrieved from https://fortune.com/2019/08/20/stock-buybacks-debt-financed/
Reda, J. (2018). How Stock Buybacks Can Affect Executive Compensation. Retrieved from http://clsbluesky.law.columbia.edu/2018/08/03/how-stock-buybacks-can-affect-executive-compensation/
Young, M. R., (2008). Both sides make good points. Journal of Accountancy, 205(5), 34.
Vaughan, E. J., & Vaughan T. M., (2013). Fundamentals of Risk and Insurance, 11th Edition.
Study Document
Criminal Perspectives Social Trait Classical
… approve of criminality.
Classical/Choice (Deterrence) Perspective
The classical or choice perspective argues that humans are rational agents and will compare the benefits and costs of an action before deciding whether or not to act (Hagan, 2010). The deterrence perspective is one of the elements of the classical ……
References
References
Cole, G., & Smith, C. (2007). Criminal Justice in America (5th ed.). Belmont, CA: Cengage Learning.
Hagan, F. E. (2010). Introduction to Criminology: Theory, Methods and Criminal Behavior (7th ed.). Thousand Oaks, CA: Sage.
Mackenzie, D. L. (2001). Sentencing and Corrections in the 21st century: Setting the Stage for the Future. National Criminal Justice Reference Service (NCJRS). Retrieved from https://www.ncjrs.gov/pdffiles1/nij/189106-2.pdf
Siegel, L. J. (2015). Criminology: Theories, Patterns and Typologies (12th ed.). Boston, MA: Cengage Learning.
Study Document
Risk Management And Insurance
…
Q2
Annuities can fall under various classes. Traditionally, the following classifications have been used to differentiate annuities:
i. Individual vs. group annuity
ii. fixed-dollar vs. variable annuity
iii. Deferred annuity vs. immediate annuity
iv. Installment annuity vs. single-premium annuity
v. Single life vs. joint life annuity
vi. ……
References
References
Vaughan, E. J., & Vaughan, T. (2007). Fundamentals of risk and insurance. John Wiley & Sons.
Study Document
Chicago Public School System Issues
...Fixed costs Chicago Public School (CPS) system is the most understaffed in Illinois, where throughout the state the average student to staff ratio is 11 to one. In the CPS system, it is 16 to one—16 students to every one teacher, and that is just going by averages (Sepeda-Miller, 2018). As Laraviere (2019) puts it, “the 20 most adequately staffed school districts in Illinois have 100 staff members for every 500 students.” Yet in CPS, it is just 29 staff for every 500 students (Laraviere, 2019)—which means when compared to the best that Illinois has to offer, Chicago looks like the worst. That is a serious shame for a city and school system that should be recognized and hailed as the state’s top district. Instead, the reality is that there is no maximum limit on classroom size in the CPS system (Guerrero, 2019), and some classes can grow much larger than already……
References
References
Blatchford, P., & Russell, A. (2019). Class size, grouping practices and classroom management. International Journal of Educational Research, 96, 154-163.
Guerrero, M. (2019). Understaffed and overcrowded: Chicago teachers on strike. Retrieved from https://depauliaonline.com/43619/news/understaffed-and-overcrowded-chicago-teachers-on-strike/
Laraviere, T. (2019). Is the teachers' union demanding enough? Retrieved from https://www.chicagobusiness.com/opinion/teachers-union-demanding-enough
Leone, H. (2019). Chicago Public Schools’ enrollment drops another 6,000 students, extending long downward trend. Retrieved from https://www.chicagotribune.com/news/breaking/ct-cps-chicago-public-schools-enrollment-decline-20191108-u7qkibaptnb7ljyob3frclgldy-story.html
Sepeda-Miller. (2018). Is CPS the most understaffed district in Illinois? Retrieved from https://www.politifact.com/illinois/statements/2018/jun/21/troy-laraviere/cps-most-understaffed-district-illinois/
Study Document
Adolescent Psychosocial Assessment
...Fixed costs Adolescent Psychosocial Assessment
SECTION I – SOCIAL HISTORY
Personal
In list format, cover the following:
1. Name: John Mathew
2. Age: 18
3. Sex: Male
4. Race/Ethnic: Black, African-American
5. Education/Occupation: Student
6. Health: Okay
Social
John's family lives in an apartment situated in the middle of a range of complexes. The residence is right in the middle of communities in Washington, DC. The household is always abuzz with activity. There are two boys named Zebulon and David. The boys still call for their mother's attention. Ervin, my father, does not have a job. He is grounded in a wheelchair, following health challenges he has faced in the past couple of years. My mother is a part-time writer. Her name is Monique. The main poverty indicator about my family is the challenge we face in paying bills and lack of money to travel around (Sherman, 2012). Several aspects of culture……
References
References
Alexander Jr, R. (2010). The Impact of Poverty on African American Children in the Child Welfare and Juvenile Justice Systems. In Forum on Public Policy Online (Vol. 2010, No. 4). Oxford Round Table. 406 West Florida Avenue, Urbana, IL 61801.
Belgrave, F. Z., & Allison, K. W. (2009). African American psychology: From Africa to America. Los Angeles: Sage.
Brittian A. S. (2012). Understanding African American Adolescents\\\\\\' Identity Development: A Relational Developmental Systems Perspective. The Journal of black psychology, 38(2), 172–200. https://doi.org/10.1177/0095798411414570
Chávez, R. (2016). Psychosocial development factors associated with occupational and vocational identity between infancy and adolescence. Adolescent Research Review, 1(4), 307-327.
Crain, W. C. (2014). Theories of development: Concepts and applications. Harlow, Essex: Pearson.
Fernandes-Alcantara, A. L. (2018). Vulnerable Youth: Background and policies.Congressional Research Service
Newman, B. M., & Newman, P. R. (2015). Theories of human development. Psychology Press.
Reubins, B. M., &Reubins, M. S. (2014). Pioneers of child psychoanalysis: Influential theories and practices in healthy child development. London: Karnac.
Study Document
Strengths Based Approach For Depression
… struggling with finances and doesn't know what to do and how to handle things without Aaron. She struggles with simple grocery and rent costs and is wondering how to work things out the next month. Her relationship with Aaron's mother is strained. Further, a delayed period causes ……
References
References
Ditton, L. (2015). Depression Treatment: Strengths-based Approaches. Available at http://www.esteempsychology.com.au
Gan, C., & Ballantyne, M. (2016). Brain injury family intervention for adolescents: A solution-focused approach. NeuroRehabilitation, 38(3), 231-241.
Gottlieb, L. (2014). Strengths-based nursing: A holistic approach to care, grounded in eight core values. American Journal of Nursing, 114(8), 24-32.
Liu, R. T., Kleiman, E., Nestor, B., Cheek, S. (2015). The Hopelessness Theory of Depression: A Quarter Century in Review. Clin Psychol, 22(4), 345-365. DOI:10.1111/cpsp.12125.
Swartz, M. K. (2017). A Strength-Based Approach to Care. J Pediatr Health Care, 31, 1-1. Available at https://www.jpedhc.org/article/S0891-5245(16)30281-4/pdf
World Health Organization. (1998). Health Promotion Glossary. World Health Organization. Available at https://www.who.int/healthpromotion/about/HPR%20Glossary%201998.pdf?ua=1
Xie, H. (2013). Strengths-Based Approach for Mental Health Recovery. Iran J Psychiatry Behav Sci, 7(2), 5-10. Available at https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3939995/
Study Document
Higher Education Institutional Crisis And Solutions
...Fixed costs Introduction
Higher education continues to be a significant aspect within an economy with professions necessitating individuals with such educational attainments. However, institutions of higher education have continued to experience several challenges, including deteriorating student enrollments, increasing student debt across the United States, and also concerning student completion rates for the different educational programs. The Higher Education sector in the United States is experiencing major challenges. California State University, Los Angeles, is the leading all-inclusive public university that is situated at the heart of Los Angeles and is committed to engagement, service, and the public good. It is one of the renowned higher education institutions not only in Los Angeles but also in the state of California as a whole. The purpose of this report is to conduct extensive research to offer prospective solutions to an organizational problem being experienced at Cal State LA as a setting for higher education.
Vision,……
References
References
California State University Los Angeles. (2020). Strategic Plan. Retrieved from: http://www.calstatela.edu/strategicplan
Chavez, M. (2019). Cal State LA has proposed a plan to cut enrollment for incoming freshmen beginning Fall 2020. University Times. Retrieved from: https://csulauniversitytimes.com/operation-impaction/
Finney, J. E. (2014). Why the finance model for public higher education is broken and must be fixed. Public Policy Initiative 2(6).
Wiley Education Services. (2020). Top Challenges Facing U.S. Higher Education. Retrieved from: https://edservices.wiley.com/top-higher-education-challenges/
Unigo. (2020). California State University – Los Angeles: What do you consider the worst thing about your school? Why? Retrieved from: https://www.unigo.com/colleges/california-state-university-los-angeles/q-and-a/what-do-you-consider-the-worst-thing-about-your-school-why-673/1
Mitchell, B. C. (February 22, 2018). America\\\\\\\\\\\\'s colleges and universities have a serious revenue problem. Hechinger Report. Retrieved from: https://hechingerreport.org/opinion-americas-colleges-universities-serious-revenue-problem/
Hussain, S. (February 25, 2019). Cal State L.A.\\\\\\\\\\\\'s plan to raise admissions standards faces pushback from students and faculty. Los Angeles Times. https://www.latimes.com/local/lanow/la-me-edu-cal-state-los-angeles-admissions-20190225-story.html
Zeleza, P. T. (March 12, 2020). Money Matters: The Financial Crises Facing Universities. The Elephant. Retrieved from: https://www.theelephant.info/ideas/2020/03/12/money-matters-the-financial-crises-facing-universities/
Study Document
Healthcare Provider Shortage
...Fixed costs Executive Summary
The healthcare sector in the United States is facing shortage of healthcare providers, particularly in rural settings. One of the most affected areas in the country is rural Maryland, especially Allegany County, which has been selected as the location for this project. The proposed plan seeks to help lessen the shortage of healthcare providers in the county using MedChi, an organization that provides public health resources in Maryland. MedChi could help address the problem through promoting adoption of technologies like telemedicine and expansion of the scope of practice of non-physician providers. To realize this objective, the organization needs to establish partnerships with relevant stakeholders within and outside the county’s health sector including policymakers. These partnerships should focus on identifying necessary resources for implementation of the proposed solution.
Provider Shortage Proposal
Shortage of providers in healthcare is a major issue facing this industry at a time when patient populations……
References
References
Antonelli, A.F. (2019, May 14). Does America Have a Physician Shortage – or Are Our Doctors ‘Just Bad at Managing Time’? Retrieved August 5, 2019, https://www.advisory.com/daily-briefing/2019/05/14/physician-shortage
Daly, R. (2018, May 22). Healthcare Workforce Shortage Worsening: Senators. Retrieved August 5, 2019, from https://www.hfma.org/topics/news/2018/05/60811.html
Desmon, S. (2019, March 1). Doctors in Short Supply in Rural Maryland. Baltimore Sun. Retrieved August 5, 2019, from https://www.baltimoresun.com/bal-id.rural01mar01-story.html
Heath, S. (2019, July 11). What Clinician Recruitment Tactics Say About the Physician Shortage. Retrieved August 5, 2019, from https://patientengagementhit.com/news/what-clinician-recruitment-tactics-say-about-the-physician-shortage
Merritt Hawkins. (2019). 2019 Review of Physician and Advanced Practitioner Recruiting Incentives. Retrieved August 5, 2019, from https://www.merritthawkins.com/uploadedFiles/merritthawkins_2019_incentivereview.pdf
Western Maryland Health System and Allegany County Health Department. (2011, November). Allegany County Community Health Needs Assessment. Retrieved August 5, 2019, from http://www.alleganyhealthplanningcoalition.com/pdf/ACHD%20Community%20Health%20Needs%20Assessment.pdf
Wolford, H.B. (2018, May 28). Allegany County Sees Shortage of Health Care Workers. Time News. Retrieved August 5, 2019, from https://www.times-news.com/news/local_news/allegany-county-sees-shortage-of-health-care-workers/article_28b1030d-4403-5d84-aa26-fe17d61b8561.html
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