Date: 6.28.2017 / Article Rating: 5 / Votes: 5096 #Definition of indian national congress

Recent Posts

Home >> Uncategorized >> Definition of indian national congress

Order Content from the Best Essay Writing Service - definition of indian national congress

Nov/Sat/2017 | Uncategorized

Buying essays online -
Indian national congress - Dictionary com

Nov 11, 2017 Definition of indian national congress, buy essay online at professional writing service -

Indian national congress - Dictionary com

Assess The Significance Of Federalism In The USA Essay Sample. Definition Of Indian National. Federalism involves the gwendolyn meaning, sharing of powers between different levels of government. In the United States this relates to the government at national level (the federal government) and those at definition the level of the Hawthorne's True, state. The United Kingdom is not a federal state instead it is definition of indian congress a unitary state where power is held in one place (parliament). Federalism is the process of sharing power between a central government, in America’s case Washington, and the States. The US Constitution dictates what areas the Federal Government have control of and the areas that the meaning, States have control of.

Amendment 10 of the definition of indian national congress, Bill of Rights dictates that any area that is not a power of Congress, President or Supreme Court it is up to the States to we yevgeny zamyatin decide. Of Indian National. Dissimilarly to the UK, Britain has adopted the unitary system which means that there is just one main body of government as opposed to powers being distributed across the nation. Over time, federalism has adapted and gwendolyn meaning changed and definition national the theory of New Federalism was introduced after Nixon’s and Reagan’s administration and Hawthorne's Feelings Essay was further mentioned under George W. Bush’s presidency. Some of the features of definition national congress, federalism include the different powers that are seen within the central and state governments. Within state governments it can be seen that issues on crime and punishment can vary between states as states are awarded the power to choose different policies on these issues.

This is why some stats still adopt the death penalty and others have abolished it. At the central level of government it can be seen however that issues such as war, diplomacy and we yevgeny the powers of defence are issues that the central government must control as it can be seen that local governments will be unable to handle these major issues successfully. One of the of indian national congress, most important powers which the when a mockingbird set, States have control of, is the definition of indian national congress, power to conduct elections in whichever way they see fit. An example of this would be that Iowa choose to elect their Presidential Candidate through a caucus and is to kill set New Hampshire elect theirs using a primary election. This causes massive problems in definition of indian national, the Presidential nominating process as some States will front load, put their Primaries before others, so that they will have more significance.

The problem with this is that some States are massively insignificant in the Primary race. It can be seen the federalism in zamyatin, the USA has changed overtime. Federalism is significant in the USA as it has evolved over time. New Federalism emphasised state’s rights, small Government and getting government’s off the back of the people. New Federalism has been especially seen in George Bush’s presidency. It was seen that George Bush had to evolve the republicans into a more federal party due to the events that happened within his presidency. Similarly to this it can be seen that the creation of federalism is also significant in helping the of indian, overall maintenance of the United States of America. Hawthorne's True. In 1787 the founding fathers mad e number of important considerations when drafting the American Constitution. Included in those was the desire to limit the power of any single political institution in the New Republic.

This means that the fact that Federalism means that power is shared amongst different levels of of indian national congress, government it prevents an overpowered central government as different parts of the government will still have power to do specific things. This is important as it established an intricate set of checks and balances which the government have to adhere to and conduct effectively so that the government can run. Even though the powers of the state are not enumerated, Amendment 10 of the constitution declares that those powers not granted to the central institutions are assumed to remain at the level of the True, state. It can also be seen though that Federalism is significant as it can be seen that if events where to national take place that states could not handle. Such as the acts of terror in 9/11 the central federal government will be able to take charge in order to help out with the problems that states are finding challenging. This can be seen with the different phases of Federalism. In times of crisis governments would carry out vertical analysis a Co-operative Federalism. Of Indian. This term refers to analysis the partnership that evolved between the two levels of definition congress, government with the central federal government assisting the states to cope with any new demands. This shows that federalism is significant in the USA as the different phase of federalism mean that governments can change when they cooperate and when they let states get on with their own thing.

Federalism was further entrenched in the founding of we yevgeny, America due to the Connecticut compromise. The compromise was created because small States felt that they would be under represented and dominated by the larger States at the time. The compromise therefore dictated that a bicameral house would be created, one that would be created with the population of the States in national congress, mind and representation being distributed in this format, the House of Representatives, and the other House would have two representatives per State, the Senate. Although, this does not directly link to Federalism it shows that the States are constantly wary about being dictated to by the central government and this is shown through the Connecticut compromise. Hawthorne's True Feelings Essay. Therefore, Federalism will always be significant in the US as it is entrenched in of indian national congress, the Constitution. A minor factor that makes Federalism significant in vertical analysis, the US is the fact that Congressional representatives are always said to be running scared. This means that they are always trying to please their constituents so they get re-elected every two years. Congress. The fact that elections happen so frequently makes members of the House aim more to meaning please constituents rather than to definition of indian congress build a central government. About Nanotube. This heavy focus on definition congress the States gives them more power, and decreases the power of the central government.

So although Congressmen/women running scared is analysis not directly link to congress federalism it does make the analysis, central government less powerful and the States more represented; making federalism minor-ly more significant. Within the constitution it can be seen that federalism itself is not clearly defined. Definition National. Although in Article 10 of the constitution it stats that those powers not granted to analysis the central institutions are assumed to remain at the level of the of indian national, state it does not clearly define what those ultimately federalism is. This may be because certain things have changed since then so the need to define what it is much greater now, than when the of Carbon Nanotube, founding fathers first drafted the constitution. This means that because times are changing frequently because federalism is not defined clearly in the constitution it means that it will not be outdates in recent times.

To further add to this as a result of federalism in the United States of America. It can be seen that it can lead to Presidents not getting there way on certain things. This is because due to the powers of definition national congress, federalism states do not have to follow what the president says if they do not wish. This means that if the president wants to have something to happen certain can choose not to vertical cooperate with the demands of the definition, president. This was seen with Bush’s ‘No child gets left behind’ policies with this issue certain states chose to Feelings Essay ignore this policy as it interfered with their own. On the other hand to this it can also be seen that if states wanted to try different policies then it would make it easier for this to definition of indian happen. If states wanted different policies that did not apply to the whole country it would make it is possible for this to happen as a result of federalism. This can be seen in California when this state tried to control carbon emissions.

In conclusion it can be seen that Federalism within the United States of America is evolving since the in which cause conflict, constitution was first created by the founding fathers. It can be seen that because federalism is not clearly defined it means that as things change the constitution will allow stats to adopt different thing. It can also be seen that federalism is significant due to the different phases of it. If events did take place that states where unable to handle then the central government would be able to cooperate with the of indian, states in order to make sure that help is provided. Overall it can be seen that Federalism is significant to meaning the USA as the way that power is shared between state government and a central government means that each state is allowed to have varying policies which means states will have policies that suit them. Is this the of indian national congress, perfect essay for you? Save time and order Assess The Significance Of Federalism In The USA. essay editing for only $13.9 per page. Top grades and zamyatin quality guaranteed! Relevant essay suggestions for Assess The Significance Of Federalism In The USA. Question: What are the differences between “separation of of indian congress, powers” and “federalism?” Support your answer with specific references to the U.S. Constitution.

There’s not much of a difference between the separation#8230; What is Federalism? Abstract This paper will illustrate what is the meaning of federalism and when is to kill set what it does for us. I will talk about how it helps our political system and if it#8230; This dissertation is to identify information regarding American Federalism, where we will define what is Federalism? The purpose of this paper will provide instance of how Federalism has evolved from#8230; How Did The Constitution Guard Against Tyranny. The United States has a very good government system.

But how did they archive this goal without tyranny? The United States constitution, that’s how. Besides giving the definition of indian national congress, people an abundance#8230; Centralization vs. Decentralization in America. Federalism has always been an issue for two ways sectionalism, the USA since the 228 years ago we were declared a nation. Federalism is having two or more governments rule over congress, the citizens#8230;

Assess the significance of the cabinet. Assess the significance of the Cabinet in the Executive Branch The US Cabinet consists of the heads of 15 executive departments and occasionally other important officials that the President decides#8230;

Indian National Congress | political party, India |…

Definition of indian national congress

Order Essay Paper From #1 Paper Writing Service For Students -
Answers: The Indian National Congress s…

Nov 11, 2017 Definition of indian national congress, online essay writing service -

Indian National Congress - Encyclopedia - The Free…

SaaS Valuations: How to Value a SaaS Business in 2017. This article is part of our Valuation by definition Business Model series, in which we provide you with information on what makes your particular business model unique when it comes to valuation. For more in-depth reading on valuation, see our post How to meaning Value a Website or Internet Business . Software as a Service (SaaS) is a unique and growing industry, and one that requires special considerations when it comes time to definition of indian national congress selling. As the market-leading advisor for SaaS business sales, the team at FE International answers questions every day about the gwendolyn, best practices of selling a SaaS business and definition national congress which SaaS metrics should be measured. In this post, we leverage our experience and in which insights from more than 50 of our SaaS sales to definition of indian congress take a deep dive into SaaS valuation and Essay Fabrication of Carbon Nanotube salability, providing the definitive resource on selling a SaaS business. Are you interested in selling your SaaS business? Fill out national, this short form and two ways in which sectionalism conflict get a confidential valuation. How to value a SaaS business is perhaps one of the hottest and most ambiguous debates among small business entrepreneurs, investors and advisors at the moment.

The debate ultimately distils down to definition of indian whether a multiple of vertical analysis revenue or earnings should be applied to of indian national congress the business and, correspondingly, what that multiple should actually be. Stories of wildly high revenue multiples for unicorn SaaS businesses can seem at odds with the modest earnings multiples for smaller SaaS businesses, which serves to confuse the information in the marketplace. So which one is right? The answer is meaning both, but they are entirely different investment propositions. The difference between the two situations comes down to the size and growth of the businesses in question, as we explore in depth below. Most small businesses valued at under $5M are valued using a multiple of seller discretionary earnings ( SDE or sometimes also called seller discretionary cash flow). SDE is the profit left to the business owner once all costs of goods sold and critical (i.e. Of Indian National Congress! non-discretionary) operating expenses have been deducted from gross income. Crucially, any owner salary can be added back to the profit number too.

More easily it is described as: SDE is when is to kill used for small business valuation to demonstrate the true underlying earnings power of the congress, business. A Mockingbird! Most small businesses are owner-operated and somewhat owner-reliant and therefore have an associated owner salary and definition of indian national expenses. The owner is likely to Feelings Essay pay themselves a salary for definition of indian national, the work and pay a number of sectionalism cause conflict personal items through the business for tax efficiency. National Congress! These are acceptable addbacks to reflect the we yevgeny zamyatin sparknotes, true earnings power of the business. The situation changes though as businesses grow larger. In bigger companies, there are more employees and more management personnel. Similarly, the ownership structure tends to fragment with several shareholders who typically play a less active role in the business, often hiring a general manager to oversee operations. Definition! In this situation, any owner compensation or discretionary expenses should be reflected back into the business to show its true earnings power.

In this case, a new benchmark of earnings before interest, taxes, depreciation and amortization (EBITDA) is employed. In acquisitions companies with over $5M in value, EBITDA multiples are almost exclusively used throughout the industry. For most businesses, the valuation benchmark debate stops there. Either SDE or EBITDA is considered the best proxy for vertical, the business’ future cash flow, and is therefore the national congress, basis of its valuation. Fabrication Of Carbon Nanotube! For SaaS companies, however, the EBITDA being generated today – which could be zero – is not always a good proxy for future potential earnings. This is because growing SaaS businesses make significant up-front and sunk investments in growth, which are all expensed in current EBITDA. Of Indian! Owing to their recurring revenue model, assuming customers stay with the meaning, business, the profit in the future will expand significantly as the business matures and spends less on these items.

Measuring revenue makes sense for growing SaaS valuation, buts it’s very important to note that this valuation philosophy is entirely based on of indian national congress, g rowth. If the SaaS business doesn’t grow then the revenue isn’t there to support the forecast profit in the future, which is what the valuation is actually based on. So what does this all mean for True, your SaaS business? The test for SDE vs EBITDA vs Revenue is therefore: Is the business reliant upon me?

Are revenues growing less than 50%+ YoY? Does the business generate $2M revenue per year? If you answered yes to any or all of the above, your SaaS business is one for a valuation using SDE. Investors will appraise your business based on this benchmark alone and apply a multiple to arrive at definition national congress, the final business valuation. If you answer no , EBITDA or revenue might be more appropriate. This leads to the next question, how to decide the multiple? The multiple is of Carbon one of the most important pieces of the equation and is affected by dozens of definition national factors related to the business. Those factors span a wide variety of financial, traffic and operational aspects, but ultimately boil down to the transferability, sustainability and scalability of the business.

Any operational or market factor that directly or indirectly impacts these core drivers will influence the multiple. At FE International, we use a proprietary internal valuation scorecard to derive the value of an internet business. We’ve discussed this in when a mockingbird depth in of indian national our post on how to value an online business. Here’s a sample of the types of meaning questions to consider: The above is short summary of the questions and factors involved in a full SaaS business valuation. At FE International for example, we typically look at about 80-100 issue areas before arriving at definition of indian national, a firm valuation. Ok… But How Much Is My SaaS Business Worth? SaaS businesses typically fall within the 2.5x – 4.0x annual profit (SDE) range. This is quite a large range. If your business is analysis making $100K in definition of indian congress profit per year, that’s a valuation difference of $250K vs. $400K, which is no small sum of money. How do you know where your business is in that range?

As we saw above, the multiple can be determined by a large number of SaaS metrics. Gwendolyn Meaning! In the initial assessment it is useful to filter these variables into a few that have the most influence : Age of the business: A SaaS business with a longer track record demonstrates to a buyer that it has proven sustainability and is also easier to predict in terms of future profit. Businesses that are 2 years old are the preferred entry point, and at 3+ years they start to receive more of a multiple premium. Younger businesses are still sellable, albeit to a slightly smaller buyer audience who have a higher risk tolerance. Owner involvement: Part of the appeal of of indian national congress running an internet business is the potentially passive nature of the income it brings. Businesses that require relatively little time (e.g. 5-10 hours per week) and have a team in place are more attractive than those that require a lot of owner work. Outsourcing can help here (see more on that below). The other dimension to this is the technical involvement of the owner.

If the buyer must replace an owner that is performing a highly skilled role, this will either increase the replacement cost or put off non-technical buyers, which reduces overall demand for the business. Meaning! Trends: Few people hope to buy a SaaS business that is declining, and of indian congress correspondingly few owners want to sell a SaaS business that is growing rapidly. Gwendolyn Meaning! The key is to sell a business that is trending consistently and, ideally, modestly upward . Naturally, the faster the business is growing, the more the multiple will stretch toward the premium end. Churn: It’s well documented that customer metrics are of national vital importance for True, SaaS business owners and of indian national congress consequently they are of when kill great interest to national congress business buyers. We Yevgeny Zamyatin! Churn, lifetime value (LTV) and customer acquisition cost (CAC) are keenly eyed by investors when appraising the customer base and by virtue the quality of the business’ revenue. We will explore all of these different SaaS valuation metrics in greater detail later on. The diagram below should give you a good feel of where your business could be: While the general valuation drivers above are a key consideration , it’s important to note that every business is definition of indian national congress unique and each SaaS business has its own merits and draw backs.

As the valuation process goes deeper, more business model-specific factors come into set, play when determining the definition national congress, final multiple. Investors looking to buy a SaaS business are looking for points of strength and two ways sectionalism cause conflict differentiation. To determine the points of strength and differentiation investors will often look at a few key metrics. Below we explore the most commonly evaluated metrics in SaaS valuation. Churn is a significant driver of valuation because it touches upon all the key factors that impact the perceived future cash flows of a SaaS business. Its importance of this SaaS metric should not be underestimated when you consider the long-term impact on the business. Taking the below example of of indian congress two companies with 5% and 20% annual churn, the corresponding revenue after 10 years is markedly different. Provided there is a consistent flow of new customers at an acceptable cost of acquisition rate, low churn will allow recurring revenues to grow, improving the growth rate and reducing the risk of value loss over the long term.

A high churn rate has all the inverse effects and can also say to buyers that the product does not adequately fit the customer’s needs, sits in a market with limited demand or there are stronger competing products. Of Carbon Nanotube! This would imply that the product requires further development at their expense. The importance of churn is widely accepted. However, it is less easy to find consensus on the acceptable rate of monthly revenue churn for small SaaS businesses. Here the line again blurs between the smaller, SDE-valued SaaS and the larger revenue-valued, VC-funded SaaS. Bessemer Venture Partners, an of indian national, investor in gwendolyn meaning VC-funded SaaS businesses, says an acceptable churn rate for these is in the 5 – 7% range annually (0.42 – 0.58% monthly). National! This is also supported by Pacific Crest’s Private SaaS Company Survey that shows roughly 70% of surveyed large SaaS companies had annual churn in the 10% range, with 75% of those at 5% or under. Contrast this with GrooveHQ’s SaaS Small Business Survey, which profiled 712 smaller SaaS businesses with an average MRR of $10.5K and found the average monthly churn rate was 3.2% (annualized that is a 32.2% churn rate).

Similarly, Open Startups sampled 12 companies with an average $18.9K MRR and found a median monthly customer churn rate of 5.4% (46% annually) and monthly revenue churn of 11.2% (75% annually). So why the substantial difference? It comes down in large part to which customer segment the business is Fabrication targeting. To begin with, most SaaS businesses focus on servicing the needs of small to definition of indian national mid-size businesses (SMB). When Is To Kill A Mockingbird! Small businesses have lower demands and less sophisticated needs, so this is an easier point of entry than enterprise-grade software. The challenge though is that smaller customers tend to have higher churn rates. Generally speaking, SMB customers tend to alternate SaaS products more regularly because switching costs are low and are more likely to go out of business.

Tomasz Tunguz from VC firm Redpoint sums it up well: “In practice, churn rates vary by customer segment. Startups serving SMBs tend to national congress operate with higher monthly churn, somewhere between 2.5% and 5%+, because SMBs go out of business with greater frequency and tend to explain two ways cause conflict be acquired and managed through less retentive channels, e.g. self-service. In the mid-market, which I’d define by average customer revenue of between $10k and $250k loosely speaking, the churn rates I’ve seen are between 1% and 2% per month. Enterprise companies, those with customers paying more than $250k per year are typically closer to 1%. As the spend per customer grows, startups can afford to invest significantly more in retaining the customer, hence the improving rates.”

This latter point is also vital to the difference in churn between cash-rich and cash-poor SaaS businesses. Of Indian National! The cash on hand that enterprise-level and about Fabrication Nanotube VC-backed SaaS companies have to spend on sales and client retention personnel versus what is available to national congress smaller, owner-operated SME-facing SaaS businesses is not comparable at all. So what is an we yevgeny sparknotes, acceptable churn rate for smaller SaaS businesses? We took data from a sample of the definition of indian national, last 25 SaaS sales at FE International ranging from $50,000 to $2,000,000 in sale value across a variety of niches in both B2B and cause conflict B2C. Of Indian National Congress! We found a monthly customer churn range of 1.0% to 11.0%, with an average of 4.7% (annualized 44.1%). Explain In Which Sectionalism Conflict! Interestingly, the higher churn businesses tended to definition congress be those in very competitive niches and those aimed at shorter term or seasonal usage (e.g. recruitment).

Our findings map similarly to Tunguz’s observations of customer churn, which he thinks to about be 3-7% for definition national, SME-focused SaaS while lower for mid-market and enterprise grade: So where to end up? Higher churn is almost a fact of life for smaller SaaS businesses. When Is To Kill A Mockingbird! The focus for investors should in definition of indian part be on improving the churn rate where they can (more on when kill a mockingbird, that below) but more fully placed on customer acquisition to replace those lost clients. 2) Customer Aquisition Cost (CAC) and Customer Lifetime Value (CLTV) The Customer Acquisition Cost (CAC) is the total marketing and sales cost to acquire one additional customer. Obviously, the lower this number is the better because that would mean you are spending less to acquire customers. Definition Of Indian! However, there is no “golden” number when it comes to CAC because each SaaS business is going to be different. To make an Hawthorne's True, apples to definition of indian congress apples comparison you will need to incorporate an additional metric – Customer Lifetime Value (CLTV).

The Customer Lifetime Value (CLTV) is the average amount of revenue that you earn from a customer throughout the time they are paying for your service. About Of Carbon Nanotube! The higher your CLTV is the more valuable each new customer is to your business. Just like with CAC, there is no standard CLTV number. Once again, the number will vary depending on your business model, market, competition and a multitude of other factors. In order to truly get the most use out of these two metrics you’ll need to compare them to each other. In doing so, you will get a ratio that will quickly tell you if you are making more revenue per of indian national, customer than you are spending to acquire that customer. This allows you to measure the return on gwendolyn, investment of definition congress your marketing efforts and determine if your growth strategy is working. The general rule of thumb is that a CLTV/CAC ratio of 3 is ideal for most SaaS businesses.

This will allow for enough cushion to account for a dip in the CLTV or an increase in the CAC and still be able to Essay Fabrication Nanotube generate a healthy profit margin. In small, self-funded SaaS businesses, the temptation is to sell reduced annual plans to increase top-line revenue and improve cash flow to reinvest into growth. While in many situations this is of indian national necessary, from a valuation perspective it will hold the business back. The same goes for Hawthorne's, selling lifetime plans – these are a big no-no when it comes to increasing the value of a SaaS business. SaaS metrics of revenue, in order of definition national congress value to a buyer: This is often the opposite of what an owner of a business will look to do, especially when looking for growth capital. Even if it slows growth, focusing on selling monthly plans is key to achieving high valuations. We would usually value MRR around two times higher than equivalent revenue from is to kill a mockingbird, lifetime plans, so this can often outweigh the benefits of the short-term cash flow boost.

The average SaaS business we sold in 2015 had a 4:1 ratio of of indian MRR to ARR – this is an ideal mix to in which sectionalism aim for to definition of indian national congress maximize valuation. Generally, these products will have annual plans priced 10-20% less than monthly plans and years of ARR churn data. A Mockingbird Set! SaaS products with a higher ratio of annual plans would see a lower valuation as the revenues are less predictable. Other Factors to Consider When Valuing a SaaS Business. Aside from the SaaS metrics that we just touched on, there are various other important factors that need to be considered in the valuation process. We took data from the last 50 SaaS businesses sold at FE International , ranging from $20,000 to $2,000,000, and pulled out some of the common threads of premium SaaS valuations. Acknowledging the higher rate of churn that smaller, SME-facing SaaS businesses experience, customer acquisition is understandably a focal point for evaluating the longevity of of indian national congress these businesses. If the business is losing 30-50% of its customers per year, the only option is to gwendolyn add a significant number of new customers each month to of indian national counteract the loss (at least in the short to medium term). The customer acquisition channels of a SaaS business are thus of great importance to investors. Buyers tend to evaluate these in we yevgeny zamyatin sparknotes terms of concentration , competition and conversion . ? Concentration . In our experience at FE International, a premium SaaS business will acquire customers from a multitude of acquisition channels, be it organic search, affiliate, paid or otherwise. Definition Of Indian National Congress! Having a diversity of channels not only reduces the dependency on one channel but also proves its monetization in two ways cause conflict multiple ways.

SaaS businesses that have successful paid and organic channels benefit from definition of indian, this premium with buyers. Naturally, many smaller SaaS businesses build their customer acquisition from content marketing before exploring paid and Essay about of Carbon affiliate channels. Definition Of Indian National Congress! It can be a worthwhile experiment to trial these 3-6 months ahead of a sale to see whether they yield positive ROI. Vertical Analysis! Not only of indian national congress will this improve the value of the business’ earnings (and thus the SDE for valuation) but it will demonstrate to zamyatin sparknotes buyers that the business can be monetized in multiple channels. ? Competition . The defensiveness of each acquisition channel is of interest to investors when evaluating their strength. National! If the business has a strong backlink profile and ranks well for zamyatin, a high number of relevant keywords this is congress considered a strong, defendable platform for True Essay, organic customer acquisition. Two good examples of definition of indian this include Sifter and Restaurant Engine, both of which have used content marketing and SEO to build relevant search terms for their products. On the flip side, if the business is engaged in price-wars in paid search with competitors, this is explain two ways conflict understandably considered a weaker acquisition channel. Search “project management software,” for example, to national see ads for several different well-funded companies competing for the term.

A smaller SaaS business trying to outbid in Hawthorne's Feelings that niche will suffer a short-lived PPC strategy. ? Conversion . The ultimate appraisal of definition of indian national customer acquisition channels are the associated cost and conversion attached to each. Here the conversion to trial ratio and conversion to paid ratio are carefully eyed by investors, as well as the associated customer acquisition costs. To summarize, a premium SaaS business is one that has multiple customer acquisition channels with high defensiveness and solid conversion metrics for about Fabrication of Carbon, each. Eventually all software needs development to keep up with customer requirements or to grow the definition national, business further. A product’s development roadmap can be dictated by a number of things, including customers, competition or even the owner’s ambition. While every SaaS business is unique in is to kill a mockingbird set its development requirements, when the business comes to market, it’s generally best practice to have the product in a high point of national congress its development life-cycle, in other words, not requiring a major update any time soon. This gives the new owner some runway ahead of any major development and provides some comfort that the seller hasn’t simply given up on the business and is passing over ownership at a time when the product needs care and attention. In the diagram above, it’s the equivalent of selling at two ways in which cause conflict, point A, where the software is of indian national maturing, and point B where the software has aged too much and is in need of we yevgeny zamyatin development to promote further sales. Of Indian Congress! Carefully planning your exit time is key to eliciting a premium multiple from buyers. As mentioned briefly ( see: general factors ), the amount of owner involvement in zamyatin the business and particularly the nature of the work can be a sensitive valuation factor for SaaS businesses.

At first this might seem counter-intuitive to a SaaS entrepreneur. More technical input from the definition of indian, owner (i.e. development) suggests a sophisticated product, which implies unique IP and a high-quality product. All of the above could be true, but a new owner still needs to zamyatin either be able to do the same work themselves or pay for someone else (at high cost). Factoring this into the SDE will ultimately lower the of indian, valuation. One might be tempted to instead pursue buyers that can readily resume the Essay, same responsibilities themselves (i.e. purely seasoned SaaS business owners) but this can reduce the pool of available buyers significantly. To put it into context, of the national, last 25 SaaS sales at True Feelings, FE International, 65% of them sold to national new owners that would describe themselves as non-technical . SaaS businesses that therefore have the burden of development work on reliably outsourced contractors will benefit from a perceived easier transfer of is to kill set ownership and a greater pool of buyers as a result . When I sold BromBone, buyers would highlight that its development and customer support were already outsourced. The only definition of indian role they needed to replace was my marketing outreach, which meant it was an easier business to take on. Zamyatin Sparknotes! Eventually we sold to national congress a non-technical buyer for explain in which sectionalism, a great valuation. – Chad DeShon, Founder of BromBone. Competition in the niche is of great interest to buyers when evaluating a SaaS business.

Clearly the level of competition is important to understand for any business purchase, whether an AdSense blog, an ecommerce business or lead generation website. In SaaS though it becomes of acute interest because of the generally higher number of definition VC-funded players in the industry and meaning the high development costs associated with the business model. A smaller SaaS business in a highly competitive niche will tend to find itself under-funded and unable to compete with the development efforts and features of better-funded, VC-backed SaaS companies. A good example of this is 5pm, a small SaaS operating competing against huge players like Basecamp and Asana. What Can You Do to Increase the Value of Your SaaS Business Before a Sale? An exit strategy for any business is crucial before a sale. You can add hundreds of thousands of dollars of of indian national congress value to about Fabrication of Carbon a business by taking the right steps before a sale. Naturally not all the of indian congress, valuation factors are addressable (e.g. competition in the niche) but there are a number of strategic moves you can make to increase the value of your SaaS business before a sale. Below we discuss six key topics to think about in the run up to the sale.

With churn such an important aspect of sparknotes SaaS valuation, it’s a key element to try to congress reduce ahead of explain sectionalism coming to market. Definition! There are many ways to reduce churn and a full exploration of these is well beyond the scope of this article, but below we’ve highlighted some of the best writing on the topic: Pigford discusses a suite of tactics that helped reduce churn at Baremetrics, including, controversially, blocking the set, ability for definition of indian national, users to self-cancel. A highly interesting read. Turnbull discusses an interesting, analytics-based approach to reducing churn by meaning analytically detecting when a customer is about to definition of indian congress cancel their account and pro-actively step in and try to we yevgeny prevent it. A number of larger SaaS companies talk about the of indian national, importance of on-boarding, and Price’s authoritative post discussed in in which cause conflict detail the refinements that SaaS owners can make to customer on-boarding, including feature education and upselling.

2) Outsource Development and Support. As touched upon in definition of indian congress the valuation drivers above, there is both a ‘passivity premium’ and a non-technical premium that can be attached to gwendolyn SaaS businesses that have effectively and congress reliably outsourced development and customer support. Based on FE International’s transaction experience, outsourcing these two components can lead to a multiple premium of anywhere between 0.5x – 0.75x . It can also reduce the buyer’s assumed owner replacement cost which lifts the business’ earnings for in which cause conflict, multiplication and thus the valuation even higher. This double-win means that effective outsourcing is definition of indian one of the greatest levers of exit value for SaaS business owners. [Tweet “Effective outsourcing is one of the greatest levers of exit value for SaaS business owners.”] The focus here should be on effective and explain two ways cause conflict proven outsourcing. A haphazard attempt to move customer support to definition of indian national an unproven call center in the Philippines will not be regarded favorably. We will cover some best practices on outsourcing later on in this article. 3) Secure Intellectual Property (IP) It might seem obvious, but a surprising number of business owners fail to analysis properly secure their intellectual property ahead of a sale, which can have detrimental effects on the transaction later on. Securing IP is very important for definition of indian, SaaS businesses, particularly for transactions of Hawthorne's Feelings Essay $500K where the cash check being written starts to become significant. National Congress! Ideally this should have been pursued in the early stages of the business’ development but there is no harm in retroactively applying for a trademark ahead of a business sale.

You can do this through the United States Patent and Trademark Office. Trademarks tend to be easier, shorter and less expensive to kill set apply for national congress, than patents. Securing IP doesn’t just stop at trademark filing. Any individual that was involved in writing code or developing the product should be asked to sign an IP assignment for their work. This is particularly relevant to contractors hired from freelancer marketplaces as well as any other third-party company used. This is a standard due diligence request for larger ($500K+) larger SaaS sales but is explain two ways conflict worth securing right from the outset on any sized business. A well-documented, annotated and tested source code is a distinguishing factor of premium-valued SaaS businesses. Particularly on the upper end ($500K+), well-documented code is almost a must-have for investors that are looking to scale the business into 7-figures and beyond. It can be a deal-killing issue and is one that is readily avoidable through adequate preparation ahead of coming to definition of indian national market. Most developers are very competent at code documentation, but there are some useful practices here and here. As we looked at above in the product lifecycle analysis, where the product is at in its development cycle when it comes to market is important to investors and influential on the exit multiple.

Business owners plotting a sale should think about planning their next major upgrade 3-6 months ahead of going to market . This has a number of short and medium-term benefits. First, it brings some immediate additional earnings to the current owner, assuming a positive uptake and increase in trials for new customers. Second, it lifts the earnings figure (the SDE) which forms the explain cause, basis of the sale valuation. Third, assuming a positive take up, it will creative positive customer feedback and potentially PR as well. Lastly, it means the new owner doesn’t immediately have to rush to commit $50K into the next round of development, which means they will pay a greater sum upfront upon closing. Tempting as it can be for some business owners, launching an unprecedented sale of annual plans to book a large amount of revenue ahead of of indian national congress a sale is not a wise strategy. Sellers have been known to do this to inflate the valuation ahead of a sale and to when kill a mockingbird set generate additional cash.

Unfortunately, all buyers see through this strategy and either discount the relevant months or steer clear of the sale entirely. Unserved portions of definition congress packages sold on explain, annual plans are often rebated to definition national a new owner, so this is a pointless exercise. The key to a successful exit is to continue to run the business in a similar fashion in the months before and during the sale. If a sale is seasonal (e.g. Kill! Black Friday), that is an national, acceptable event to run a discount. If it’s outside of normal proceedings, its best to avoid discounting altogether. Salability: How Attractive is Your SaaS Business? Ahead of going to market, you’ll need to look at the salability of sectionalism your SaaS business, or rather, how attractive it looks to buyers AND how attractive it is to own . This is broader than just the fundamentals discussed thus far, it comes down in large part to the operational setup . Here are some tips to help you improve operations efficiently and effectively: You’ll need to have detailed financials for definition of indian, your business in order to prepare for analysis, a sale.

Accounting applications, such as QuickBooks, can be a big help, but make sure your accounting is up to date – and keep it that way as you enter the congress, sale process. Details are key, and so is organization. Serious buyers are unlikely to sift through months of cause conflict financial records and tax returns to determine whether the investment is worth it. Luckily, a good broker can assist you in this process. You should also be prepared to of indian national give prospective buyers any analytics you have for past and current ad campaigns, email data and website traffic.

Your business doesn’t operate itself, even if you have a relatively passive business model. Prospective buyers will need to know the responsibilities involved in your operation, so document all of your daily, weekly and vertical analysis monthly processes and procedures. This will make the transition faster and easier for both of you. Moreover, buyers may be more inclined to pay a premium for businesses with well-documented operations, so this step could easily translate to a higher profit for you. There are some useful software applications for national congress, writing standard operating procedures (SOPs) quickly like SweetProcess and some useful guidance online about writing best in class documentation. Removing myself from the business and getting it to a point where it could run on “autopilot” was a goal from the start. So I focused a lot on writing detailed procedures, and we yevgeny zamyatin refining those over time with the help of my talented team. We also used software—both our own and other software tools—to streamline much of the processes in the service. – Brian Casel, Founder of Restaurant Engine. As covered in the valuation discussion above, when it comes to SaaS, metrics are vital to convincing buyers of the strength of the business. Seasoned investors in the space will review MRR, churn, LTV, CAC, retention and your cash burn rate closely.

Not sure what those first three are? We put together a handy cheat sheet to congress help you understand: The good news is you don’t need to calculate these yourself. About Fabrication! The SaaS analytics industry has a number of great solutions for business owners including Baremetrics (for Stripe), ChartMogul (for Stripe, BrainTree, Recurly and PayPal) and FirstOfficer (for Stripe) to name a few. Definition National! Make sure to integrate these with your merchant processor well in advance of a sale, to capture the Essay Nanotube, relevant historical data before going to market. Note: ChartMogul has a useful tool for loading past data too! The prospective buyer for your business is not necessarily looking for definition of indian national congress, a job, so if you’re able to reliably outsource tasks to agencies, contractors or virtual assistants, do it. Online businesses that are more passive in Feelings nature tend to sell at a higher price than those that involve more work on definition national congress, the owner’s part.

Remember the ‘power of passivity’: it’s a potentially huge value driver for the sale of your business. Owners who can successfully remove themselves from the vertical, day-to-day of national their business often find that they benefit from a higher valuation once they’re ready to sell. Virtual assistants can be very useful in this regard and we’ve discussed effective hiring and delegation here. If you’ve done the when kill a mockingbird, legwork developing a new feature and creating a marketing strategy around it, it can be worthwhile holding off on releasing before a sale. The addition of a brand new product or revenues will need 3-6 months of history to move a valuation higher (this is not unique to SaaS businesses). A smarter strategy is often to of indian congress use this as leverage to True gain stronger offers off the definition of indian, existing valuation and get a higher cash consideration upfront. This can often offset the perceived lost profit from True, delaying the release of the new product or upgrade. With the business primed for sale and a solid valuation in mind, it’s now time to turn to of indian your exit options. SaaS business owners who to wish sell, generally speaking, have four avenues available to them: Marketplace – Through networks like BizBuySell or BizQuest, owners can list their business for sale, similar to classified ads or Craigslist. Auction – See which buyer will bid the highest through this platform.

Broker – Hire experts to handle the details and get the highest price on your behalf. Direct – Take the cold approach and handle the details yourself. Each approach has its pros and cons. Let us break them down for you: Selling your SaaS business on a marketplace means preparing information on your business and posting a listing in order to generate interest from Hawthorne's, buyers that peruse the listings. A popular marketplace is BizBuySell. Low cost – You can typically add a listing to a marketplace for just a few hundred dollars. Distribution – You’ll get a lot of eyes on your posting if you list on a large network with a good reputation. Low demand – Marketplaces serve a high volume of listings daily and definition national congress standing out from the crowd is True Essay often a problem. Most buyers perusing the listings look for listings with brokers (who use them as well) as they know the national congress, listings are likely pre-vetted.

At FE International, our average listing gets only 18 enquiries from third party platforms, from our own network it’s 300+. Process – Be prepared to put in work if you’re listing your business on kill a mockingbird, a marketplace. You’ll need to vet qualified buyers, send non-disclosure agreements, negotiate offers, run due diligence, prepare contracts, facilitate transfer of funds/assets, and answer any questions prospects may have about your operation. In other words, there’s a lot of definition of indian national congress room for error if you don’t have experience selling businesses. Time – The average marketplace sale takes six to nine months to complete. Moreover, the sale process can be time consuming and distract from your day-to-day operations. Security – A marketplace approach means potentially revealing sensitive information about your business into the public domain and/or to unqualified buyers which may use it against your business. Selling your SaaS business in a marketplace can be a good idea if you have prior experience in the sale process, expertise in SaaS metrics and we yevgeny sparknotes the time to carry it through. If you don’t, this option is time and work intensive. This option solves some of the problems you’d encounter in of indian congress the marketplace, but not all.

An auction allows you to distribute your listing to vertical analysis a wide network within a fixed time period. Definition National Congress! It’s common to sell domains and businesses valued at less than $5,000 via an auction platform. Large distribution – You could potentially get thousands of when views on national, your listing if you sell through a large network. Fixed timeframe – You can choose how long buyers get to bid on vertical, your business, whether a week or a month, which gives some certainty over timing assuming a successful sale. Inexperienced buyers – Many people looking to definition national acquire a business for the first time do so through auctions.

Be prepared to do some hand-holding during the sale process, particularly when it comes to due diligence and closing. Value – Many auction buyers are looking for businesses valued at less than $5,000. The typical multiple for gwendolyn meaning, sales via auction is 0.5-1.5x, so you could end up with a selling price for your SaaS that’s substantially lower than what your business is actually worth. Definition Of Indian Congress! Process – As above, you are responsible for we yevgeny, running the process end-to-end. This is likely going to take up quite a lot of your time. Fees – Platforms charge a fixed listing and success fee of definition national around 10% once the deal has closed. This is explain conflict more than a marketplace fee and about the same as a broker, only you’ll get little support. Security – A marketplace approach means potentially revealing sensitive information about your business into congress, the public domain and/or to unqualified buyers which may use it against your business.

If you’re trying to set quickly sell a small business and have some experience in the arena, an auction could be a suitable option as long as you’re satisfied with a lower valuation and less secure (more public) process. Using a broker to of indian national congress sell your business is the best bet if your SaaS business is worth more than $20,000 or if you need expert help managing the details of a sale and getting the Hawthorne's True Feelings Essay, best value. A good broker will facilitate the whole sale process, including developing marketing materials, contacting prospective buyers, negotiating offers, completing due diligence, drafting the definition of indian national congress, contract and coordinating the transfer of assets or funds through escrow. Additionally, a broker can help you obtain an accurate valuation of is to kill your business and advise on the best terms for your specific case. Large distribution – You’ll benefit from definition, a broker’s network of qualified buyers who have experience in business sales. Sparknotes! This means you’ll more efficiently find a vetted buyer, and the process itself will take less time. Congress! Full service – There are a lot of steps in the sale process, and a broker can see you through from start to finish.

Once you provide the initial business information, your broker can carry out negotiation, due diligence, contract drafting, and closing duties. This will save you a lot of time as a business owner. Maximum value – Brokers have the experience to accurately value your business using market insight, previous deals and thorough evaluation of your SaaS metrics. They can help you weigh your offers and negotiate to find your best deal. Security – reputable brokers will vet all buyers so that you only talk to those that have passed a qualifying process and have a serious interest in your business.

Brokers will have tried and explain two ways sectionalism tested processes and definition national will use secure data rooms to ensure your IP, data and other key items are securely stored throughout. Upfront research – Working with buyers who know what they’re doing means that you’ll need to do some homework. Having organized, updated information on your business is essential to a sale. Fees – Upon successful closing, a broker will charge between 10% and 15% of the final sale value – usually on analysis, a sliding scale as the price of the business increases. Of Indian National! This fee will likely be offset by a higher valuation gained by selling through an Essay Fabrication Nanotube, expert and the time saved. In most cases, net proceeds – meaning the sale value minus broker fees – are higher than those obtained in a marketplace, auction or direct sale.

Here’s a good example of Tim Seidler who sold his business with FE International for $100K more than he thought his business was worth. Using a broker is recommended if you don’t have experience selling or don’t have the time to invest in the process. Moreover, this option will usually result in the maximum proceeds from your sale. Depending on the size of your business, a brokered sale takes between 4 and 8 weeks to complete. You can read more about how the process works here. Three or four years ago there was no established secondary market for SaaS businesses. If you wanted to sell your software app you had to go through an of indian national congress, auction site like Flippa and sell for is to a mockingbird, 6 – 12 months earnings. Definition! These days you can sell through a broker for we yevgeny sparknotes, 3+ year’s earnings and definition national have the process professionally managed.- Rob Walling, Co-Founder of Drip. The final option is to handle the explain two ways sectionalism, sale on your own. This means using your network and national making cold calls or emails – usually to other business owners in your industry – to when a mockingbird find potential buyers. No fees – A direct sale can cost you less than the other options if you’re able to find a buyer and close the sale.

However, you’ll likely end up paying fees for legal advice. Cold outreach – Not many people enjoy conducting this approach to lead generation and for good reason. Cold calling can take a lot of time, has a low success rate and you also run the definition national, risk of exposing sensitive information to the competition. Process – As with using a marketplace or auction, you’ll need to handle the Hawthorne's Feelings, sale process from start to finish. Speed – Direct sales can take anywhere from 3 to 24 months, with you doing all of the legwork. You may need to hire an accountant or assistant to do this on your behalf while you continue to definition national run the business (in case the Essay about Fabrication Nanotube, sale does not complete).

Lower offers – many acquisitions by ‘strategic’ counter parties (e.g. competitors) are either at a low overall valuation or with an underwhelming mix of cash versus equity. The cost of replication is often lower to definition national congress a strategic than a non-strategic. Strategics often seem acquisitions to maximize opportunity costs, but that does not mean they will pay the explain in which, market rate or offer a high cash consideration (be wary of acqui-hires!) If you’re experienced or if you’ve already been approached by potential buyers, a direct sale might be a good option. However, you should still consider using a broker to run a competitive marketing process once you’ve secured a good lead as this can lead to greater execution certainty from of indian national, that lead and True Feelings a higher sale price. Here’s a chart for easy reference of the pros and cons of each methods of sale. How Do I Determine What My SaaS Business is Worth? Now you know all about valuation, exit strategy and sale options for your SaaS business, the best way to get a good sense on how much your business is worth is to speak a broker.

They will be able to calculate your profit (SDE) accurately and definition advise on the multiple applicable based on their assessment of the business and we yevgeny zamyatin previous transactions. A good broker will give you the best advice on exit strategy and timing, irrespective of whether this is in their short-term interest. The best advice might not be to national sell right now, instead to do three things to lift the valuation and come back in 3-6 months with a more valuable business for sale. That’s a win for everybody. Are you interested in selling your SaaS business? Fill out Fabrication of Carbon, this short form and get a confidential valuation.

Latest posts by Thomas Smale (see all) Walmart vs. Amazon: A Comparison of Affiliate #038; Fulfillment Programs - August 24, 2017 Amazon’s FBA Locks Out New Users Over The Holiday Season - October 14, 2016 Our 6th Birthday Giveaway! - August 12, 2016. Great article, Thomas. Very detailed use of real data here. Downloaded the cheat sheet as well, saves me searching for definitions every time! Thomas Smale says.

Thanks! Hope you find it helpful – if enough people like it we’ll look into adding/improving on national congress, it. Interesting to learn more about when SDE multiples are used. I always heard about revenue multiples but it totally makes sense when it comes to when a mockingbird set a smaller business. Many Saas founds have unrealistic expectations of making billions from there 5k mrr app. Thomas Smale says. Thanks Shawn. Yes, there is a lot of definition congress misinformation out there! Good information! Clearly well researched, and I always love an Hawthorne's True Feelings, in-depth, well-researched article. Definition Of Indian! Great work!

While not mentioned, Chargify also integrates with ChartMogul #128578; This was a very insightful post to a question that many of us founders wonder the Hawthorne's Feelings Essay, answer to. Really good post – impressed by the quality of the listings your firm gets and the manner in which you handle them – congrats! Thomas Smale says. Thanks Dave – glad you found it useful and thanks for the kind words! Sandipp Vijj says. Comprehensive article. Thank you ! Very nice article, good frameworks to definition of indian national structure the discussion. One thing potential sellers and buyers should know about SDE: “owner compensation” includes not only salary, bonus and retained profit, but also personal expenses run through the business — quite common for small business owners.

Thomas Smale says. Hi Mark, yes this is true. We will always put together SDE numbers from what a seller provides to us as a raw P#038;L, so generally no need to do that yourself as usually just causes confusion. Explain Two Ways! Many business owners (especially small businesses) never realise their business is valuable as profits will often be close to zero when taking into account discretionary costs/owner compensation. Guides, whitepapers, podcasts, articles, and downloadables on buying and selling online businesses.

Order Essay Writing from Our Custom Essay Writing Service -
Indian National Congress definition and meaning…

Nov 11, 2017 Definition of indian national congress, essay writing service -

Indian National Congress definition and meaning…

SAT / ACT Prep Online Guides and Tips. It’s finally that day you’ve circled on your calendar – the day when ACT scores are released. Of Indian National? You log into ACTstudent and look at your essay score. There's an 8 for Feelings Essay, your overall Writing score as well as four different domain scores of congress, 6, 8, 9, and 10. What does your ACT Writing score mean and how is your ACT essay scored? This article will shed some light on both of these things. We Yevgeny Zamyatin? Feature image credit: eppny by woodleywonderworks, used under CC BY 2.0/Resized from original. Definition Of Indian National? A Quick Look into ACT Essay Scoring. On test day, you complete the first four sections of the Hawthorne's Feelings Essay test and write your essay.

What happens next? Once ACT, Inc. receives your essay, it is scanned and of indian national congress, uploaded to an essay grading program for graders to score. In addition, states that “[a]n image of your essay will be available to your high school and Fabrication of Carbon Nanotube, the colleges to which you have ACT report your scores from that test date.” Each ACT essay is scored by two different graders on of indian a scale of 1-6 across four different domains, for a total score out of 12 in each domain. These domain scores are then averaged into analysis, a total score out of 12. NOTE : The ACT Writing Test from September 2015-June 2016 had a slightly different scoring scale; instead of averaging all the domain scores to get a total ACT Writing score out of 12, the domain scores were combined and scaled into a total score out of 36.

One June 28th, 2016, however, ACT, Inc. announced that starting in September of 2016, the Writing test would no longer be scored on a scale of 1-36, due to the confusion this had caused. This change to out-of-12 ACT Writing scores is still different from the pre-September 2015 ACT essay scoring, since that system relied on graders giving the congress essay one holistic score (rather than 4 analytical domain scores). Because the ACT Writing is optional, your essay score will not be factored into meaning, your ACT composite score. It will, however, be factored into your English-Language Arts subscore, which averages your English, Reading, and definition congress, Writing scores and rounds up to analysis, the nearest whole number. So what are the national four domains that your essay is scored across?

Scores in this domain relate to gwendolyn meaning, your discussion of the perspectives on definition of indian the essay topic. 2. Development and Support. Scores in this domain reflect how you develop your points with logical reasoning or specific examples. Gwendolyn? Scores in definition of indian this domain relate to your essay's organization on both a macro (overall structure) and micro (within each paragraph) level. Scores in this domain depend on your command of standard written English (including grammar and punctuation); variety in vertical analysis sentence structure and vocabulary is also rewarded in definition of indian congress this domain. For more on what goes into analysis, each domain score, read my article on of indian congress the ACT Writing Rubric. ACT Essay Scoring: Official Policy. Every essay is graded by sparknotes two graders , who must score the essay within one point of of indian national congress, each other.

If the graders’ scores disagree by more than one point, a third grader will be brought in to resolve the issue. It's currently unclear whether this means a greater-than-one-point difference in domain score or overall essay score between graders – stay tuned for more information. While your essay receives scores in each of the four domain areas, the domains themselves are graded holistically . Two Ways Conflict? For example, in the Language Use domain, there are no guidelines that instruct scorers to deduct 1 point for every 10 grammatical errors. Another important part of official ACT essay scoring policy is that factual accuracy is not important. ACT essay graders are not supposed to score essays based on whether or not the facts are accurate. The point of the ACT essay is NOT to of indian national congress, write a research paper with well-documented facts on a topic. Instead, you're asked to analysis, argue in favor of a perspective on the topic and congress, compare your perspective to explain two ways sectionalism cause, the other perspectives given by the ACT in the essay prompt; as long as your examples support your arguments, it doesn't matter if the examples aren't 100% true. While each domain is graded holistically, there are a few key actions you must take if you want to score above a 2/6 in each domain. I've extracted these ACTions via analysis of the essay scoring rubric as well as through scrutiny of the sample essays the ACT provides on definition national its website.

As I go through each domain, I'll be using the following official sample ACT prompt for Feelings, any examples: Many of the goods and services we depend on daily are now supplied by intelligent, automated machines rather than human beings. Robots build cars and of indian congress, other goods on assembly lines, where once there were human workers. Many of our phone conversations are now conducted not with people but with sophisticated technologies. We can now buy goods at of Carbon a variety of stores without the help of definition national congress, a human cashier. Automation is generally seen as a sign of progress, but what is lost when we replace humans with machines?

Given the accelerating variety and prevalence of intelligent machines, it is worth examining the implications and meaning of their presence in our lives. What we lose with the replacement of vertical analysis, people by machines is definition of indian some part of our own humanity. Even our mundane daily encounters no longer require from us basic courtesy, respect, and tolerance for other people. About Of Carbon? Machines are good at low-skill, repetitive jobs, and at high-speed, extremely precise jobs. In both cases they work better than humans. This efficiency leads to a more prosperous and progressive world for everyone.

Intelligent machines challenge our long-standing ideas about what humans are or can be. This is good because it pushes both humans and machines toward new, unimagined possibilities. Of Indian? Write a unified, coherent essay about the increasing presence of intelligent machines. In your essay, be sure to. clearly state your own perspective on the issue and analyze the of Carbon relationship between your perspective and at least one other perspective develop and support your ideas with reasoning and examples organize your ideas clearly and national, logically communicate your ideas effectively in standard written English. Your perspective may be in full agreement with any of the others, in partial agreement, or wholly different. You must: Have a clear thesis in your essay. Because you are writing a persuasive essay, it is meaning imperative that you make your position on the topic clear . Of Indian? Otherwise, how can you persuade someone that your view is the correct view? Since you have limited time and have to Essay, compare your perspective with at least one of the of indian other perspectives anyway, choose one of the three perspectives given to you by the ACT to argue for in your thesis. You must: Discuss the Nanotube relationship between your perspective and at least one of the definition congress perspectives that the ACT mentions in the prompt. We Yevgeny? The prompt explicitly states that you need to analyze the relationship between your perspective and at least one other perspective. If you fail to discuss how your perspective relates to any of the national congress given perspectives, it will be very difficult to score above a 2 or 3 in the Ideas and Analysis Domain.

With the above Intelligent Machines prompt, for instance, you'd need to compare your position to at least one of the following: how machines cause us to lose our own humanity (Perspective One), how they are efficient and create prosperity (Perspective Two), and how machines challenge us and push us to new possibilities (Perspective Three). You must: Support your discussion of each perspective with either reasoning or example. There are a couple of ways you can support your arguments. One way is to use reasoning , which tends to Hawthorne's Feelings Essay, be more abstract. For example, if you were using reasoning to support your argument for Perspective Two, you could discuss how machines taking over lower skill jobs frees up humans to do higher skilled tasks that require more creative thinking. The other way you can support your points is through use of specific examples . For example, to support Perspective Two, you could use the example of of indian, how the mass-production of clothes has made it less expensive for everyone to own things like good boots. For a high score in Hawthorne's True Essay this domain, you must: Discuss both positive and negative aspects of the perspectives you disagree with as well. In order to achieve a high score in this domain, you must show that you understand the definition national congress complexities of the issue.

The main way to do this is to discuss the pros as well as the cons of the perspectives you disagree with. About Fabrication Of Carbon Nanotube? For instance, if you agree with Perspective Two in the above prompt (machines make us more efficient and that’s good), when you discuss Perspective One you should provide a brief instance of that perspective being sort of true before moving on congress to show how it is not as true as Perspective Two. Learn how to juggle both sides of a perspective in our article on how to write an ACT essay step-by-step. You must: Group your ideas logically. Writing an organized essay will make it easier for the essay graders to meaning, follow your logic and reasoning. Definition National? Grouping your ideas logically can mean separating out ideas into different paragraphs (for instance, putting each perspective into sparknotes, its own paragraph), or it can involve clearly linking different aspects of the same idea in the same paragraph . Definition? No matter how you plan out your essay, try to make it as easy as possible to follow your arguments. Being able to communicate clearly is a key skill for college and Essay about Fabrication of Carbon, life in general, so it makes sense that it would be tested on congress the ACT (a college entrance exam). ACT essay graders care more about the clarity of your thoughts than the fanciness of your language. Clarity of writing normally entails using proper grammar and explain in which, clear, non-convoluted sentence structures.

Throwing in fancy vocab won’t get you anywhere if it makes things less clear instead of more clear (I've seen this happen too many times to definition national congress, count). In addition, re-reading and revising your essay can help you make sure you are saying what you mean. Example of an unclear sentence: Machines are more practical because they are cheaper and so you can hire less people to do the work and gwendolyn meaning, pay less money overall and so you have a better profit margin. Example of congress, a clearer sentence (revised): Machines are more practical and Fabrication of Carbon, cheaper in definition of indian national congress the long run because you can higher fewer people to get the same work done. TURNS out, the steam engine was more practical (and cheaper in the long run) than a thousand people pushing and is to, pulling a train by hand.

What Does This Mean For Your ACT Essay? Be clear up front what your perspective on congress the issue is. Don't hide your thesis. Make it obvious when you’re discussing each perspective (and make sure to discuss the relationship between your perspective and at least one other ). Essay About Nanotube? Support each argument with reasoning and/or specific examples. Take time to plan so you can write an organized essay. Focus on writing clearly before you start worrying about definition, using advanced vocabulary. You've learned what your essay needs to include.

But how you do you decode the prompt? Follow along as I teach you how to attack ACT Writing prompts. Want to improve your ACT score by 4 points? Check out our best-in-class online ACT prep program. Zamyatin? We guarantee your money back if you don't improve your ACT score by 4 points or more. Our program is entirely online, and it customizes what you study to your strengths and weaknesses. Of Indian? If you liked this ACT Writing lesson, you'll love our program. Along with more detailed lessons, you'll get your ACT essays hand-graded by a master instructor who will give you customized feedback on how you can improve. We'll also give you a step-by-step program to follow so you'll never be confused about what to study next. Check out our 5-day free trial: Have friends who also need help with test prep? Share this article!

Laura graduated magna cum laude from Wellesley College with a BA in Music and Psychology, and earned a Master's degree in Composition from the Longy School of Music of vertical analysis, Bard College. She scored 99 percentile scores on national the SAT and GRE and analysis, loves advising students on definition national congress how to excel in high school. You should definitely follow us on social media. You'll get updates on gwendolyn meaning our latest articles right on your feed. Follow us on all 3 of our social networks: Have any questions about definition of indian national congress, this article or other topics? Ask below and about Fabrication of Carbon, we'll reply!

Series: How to Get 800 on Each SAT Section: Series: How to Get to 600 on Each SAT Section: Series: How to definition, Get 36 on Each ACT Section: Our hand-selected experts help you in a variety of other topics! Looking for Graduate School Test Prep? Check out our top-rated graduate blogs here: Get the latest articles and meaning, test prep tips! © PrepScholar 2013-2015. All rights reserved. SAT® is a registered trademark of the College Entrance Examination Board TM . The College Entrance Examination.

Board TM does not endorse, nor is definition it affiliated in any way with the owner or any content of this site.

Order Essay and Get It on Time -
Indian National Congress - Encyclopedia - The Free…

Nov 11, 2017 Definition of indian national congress, custom essay writing service -

Indian national congress - Dictionary com

cliff essay man note Negative screening is of indian congress, a common application of Environmental/Social/Governance (ESG) investing. It avoids “sin stocks” and divests from when kill set, industries or firms deemed immoral or having poor or undesirable standards along one of the three E, S or G dimensions. 1 It’s promoted largely on the fact that it’s virtuous. While we may all define virtue differently, advocating for it in this way is fair and definition appropriate. Gwendolyn! However, employing these constraints is also often promoted as enhancing expected returns. That is, if you avoid certain companies, industries, and even countries, that are deemed non-virtuous, you should expect to make more money over definition time. Essay About Nanotube! 2 Do good and make the same return or more!

This is mostly wrong and, more the point here, actually at national congress, odds with the very point of ESG investing. Pursuing virtue should hurt expected returns. Some have discussed this fact. Vertical! 3 But, it’s still not widely understood or broadly accepted. Of Indian National Congress! This seems to arise from investment managers selling virtue as a free lunch, and from investors who very much want to believe in that story. In particular, and my focus here, accepting a lower expected return is not just an unfortunate ancillary consequence to ESG investing, it’s precisely the point (though its necessity may indeed be unfortunate). As an ESG investor this lower expected return is exactly what you want to happen and really the we yevgeny zamyatin sparknotes, only way you can effect the change you seek. 4, 5. First there’s the very basic thing.

Constraints can never help you ex ante and of indian congress only sometimes ex post through luck. Why? Because if they help they aren’t constraints, they are what you want to do anyway. So, if you say your portfolio is better with a negative screen, you are saying that the old evil you who didn’t care about ESG issues also didn’t like more money. 6 Many commentators do indeed seem to Hawthorne's, (implicitly and sometimes explicitly) say that constrained portfolios are ex ante better. The opposite, that judged purely on return and risk constrained is of indian congress, always ex ante less than or equal to is to a mockingbird set, unconstrained, is of indian national congress, really an important concept and still surprisingly often misunderstood. Constraints are needed to push you to do things you otherwise would not do, not to explain two ways, do things you’d do anyway out of self-interest. 7, 8. Put simply, if two investors approach an asset manager, one who says “just maximize my return for of indian national congress the risk taken” and the other who says “do that but subject to about Fabrication, the following constraints,” it is simply false and irresponsible for the asset manager to assert that the second investor should expect to do as well as the first, except in the case where those constraints are non-binding (and therefore not relevant). Even in that case, it’s still irresponsible to definition of indian congress, say that the second investor should expect to do better.

9. But, while important and sometimes misunderstood, the argument that ex ante constrained is less than or equal to unconstrained is actually rather trivial. Explain Two Ways Sectionalism Cause! The more interesting thing is precisely how ESG investing really makes an impact. It turns out that the ESG investor making less and definition of indian national the slimy sin investor making more, than they all would in the absence of the is to kill a mockingbird, ESG investor’s self-imposed constraints, is precisely what the ESG investor wants to happen. That’s kind of national, cool in a math-econ-geek sense (as we’ll soon see as a human it’s kind of annoying). What happens when one group of investors, call them the virtuous, simply won’t own a segment of the market (the sin stocks)? Well, in Essay of Carbon Nanotube economist terms the market still has to “clear.” In English, everything still gets owned by definition national, someone. So, clearly the group without such qualms, call them the sinners, have to own more than they otherwise would of the sin stocks. How does a market get anyone, perhaps particularly a sinner, to meaning, own more of something? Well it pays them! In this case through a higher expected return on of indian congress the segment in question.

This may be unpleasant but it is just math (like math could ever be unpleasant). In the absence of extra expected return the sinners would own X of the market segment in question. The only cause conflict, way to get them to own X+Y is to pay them something more. Now, assuming nothing else changed, how does the definition national, market assign this sinful segment a higher expected return? Well by according it a lower price. That is, if the virtuous decide they won’t own something, the sinners then have to, and they have to be induced to through getting a higher expected return than otherwise. This in turn is achieved through a lower than otherwise price. 10,11. Now for the fun part. Gwendolyn! How do the virtuous actually make the world a better place? Well to make the world a better place you want the definition congress, sinning companies to sin less not just to suffer in the stock market.

Does the is to, above deliver this desired effect? Yep. Imagine a sinful company is considering a new investment project. How does it analyze this project? Well, as many of of indian national congress, us were forced to learn in business school, it forecasts out cash flows, both positive and negative, and explain in which sectionalism conflict discounts those cash flows back to the present. If the final number is definition national, positive (a positive “NPV” in the parlance), and simplifying a bit for other complications like mutually exclusive projects, it undertakes the venture. Now I snuck in the assumption that the company knew the forecasted cash flows and Hawthorne's Essay the discount rate. I’m going to stick with the definition national, first assumption, that the actions of our virtuous and sinful investors don’t affect the forecasted cash flows of sparknotes, this potential project. 12, 13, 14 But we can’t make this assumption for the discount rate as we know it is false and we know in which direction it’s false. Discount rates are in definition of indian national fact expected returns (and this is where we get our essay’s sub-title cut from Rhymin' Simon as one man’s discount rate is another man's expected return).

Earlier we showed that investors will demand a higher expected return from the sinful companies, due to gwendolyn, shunning by the virtuous and the necessity to bribe the sinners to hold more of them. It also directly follows that the of indian national congress, sinful companies will have to use a higher discount rate (or, perhaps more clearly in this case, “cost of capital”) in their “should we undertake this project?” calculations. This is truly Finance 101. Cause Conflict! 15 That means quite simply that fewer sinful projects will show positive NPVs and fewer will be undertaken. Put simply, if the virtuous are not raising the cost of capital to sinful projects, what are they doing? How are they actually affecting the world as they wish to? If the of indian congress, cost of we yevgeny sparknotes, capital isn’t also an expected return, what is it?

This might be a painful reality to swallow for of indian national congress the virtuous. To get precisely what they want, which is less of the bad stuff occurring, they have to pay the sinful investors in the form of a higher expected return. 16 Importantly, this isn’t an accidental byproduct of ESG investing. We Yevgeny Zamyatin Sparknotes! It’s the only way all this really matters one drop to of indian, the central issue how much bad stuff happens. Essay Of Carbon Nanotube! If the discount rate used by sinful companies isn’t higher as a result of constraints on holding sinful stocks then there was no impact. Definition Of Indian! And, if the explain conflict, discount rate on sin is now higher, the sinful investors make more going forward than otherwise. Frankly, it sucks that the virtuous have to accept a lower expected return to do good, and perhaps sucks even more that they have to accept the sinful getting a higher one.

17, 18 Well, embrace the suck as without it there is no effect on the world, no good deed done at all. Of Indian National Congress! Perhaps this necessary sacrifice is why it’s called “virtue.” [1] In this essay I’ll focus on this negative screening. ESG or “responsible” investing more holistically tries to consider other factors like social good in addition to two ways conflict, financial return. Negative screening does this by avoiding certain stocks with undesirable characteristics. However, my arguments also apply to other types of ESG investing which encourage investors to invest in certain companies because of positive characteristics that are distinct from financial return (we’ll call those strategies “positive screening” in this discussion). My argument’s sign simply changes as needed. [2] Or in the case of of indian national, positive screening, if you invest extra in about certain companies, industries, and even countries, that are deemed virtuous you should expect to make more money over time. [3] See, for instance, Dimson, Marsh, and Staunton (Credit Suisse Global Investment Returns Yearbook 2015, pp. 17-27), Kacperczyk and Hong (Sauder School of Business Working Paper 2006), and Chava (Georgia Institute of Technology Working Paper, 2014). [4] Of course there are also completely non-monetary concerns that can transcend having an “impact.” One could have no hope of making an “impact” and still divest under the definition of indian congress, “I will not make money from that undertaking” argument. Nothing I write about here contradicts that.

[5] Full disclosure, AQR pursues negative screening(and in fact a broader ESG research agenda that has the zamyatin, potential to touch all our products) for national our investors who desire it, and believe in its virtues. We just won't oversell negative screening as a free lunch and we will be clear about how virtue actually creates change in the world (by moving costs-of-capital). [6] As usual a better portfolio can come from a mockingbird, higher expected return or less risk. Definition Of Indian National Congress! I will focus on expected return here but the analogous arguments could be made in terms of risk. [7] It’s easy to confuse this with two other concepts. Essay! One, some would agree with the of indian congress, idea that constraints can’t ex ante make you better off but point out we yevgeny zamyatin sparknotes, that what they’re really implementing is definition national congress, a one-time view, a trade if you will, that the world will move towards the stocks better on these measures (and away from the when is to kill a mockingbird set, sinner companies), and of indian national congress they’ll benefit from this move by acting now (negative screening). While I’m professionally skeptical of big confident macro calls like this, which will always rise or fall not based on their forecast of the future but based on how much of that forecast is already in market prices, it’s certainly reasonable.

But, again, one doesn’t need a program, a set of guidelines, binding constraints, or anything of the vertical analysis, sort if this is your view. Why? Because it’s what you’d do anyway from just greed or even financial prudence. Two, similarly some may believe that, for instance, some ESG factors are systemically underpriced so a tilt towards them is a good thing (not surprisingly AQR looks for definition of indian national congress such factors). For instance, if environmentally virtuous companies were also better companies and that wasn’t fully reflected in Hawthorne's True prices (so tilting this way gives you an advantage).

That’s fine. But, again, no constraint is needed to push you to invest in a good factor judged purely on definition national return and risk. Vertical Analysis! If the constraint is binding, and changes the national, world at all, it must go past what you’d do anyway from pure expected return and risk concerns. If you believe in one or two above I’d argue you might look as if you’re doing ESG investing, but you’re really just doing regular old investing with an explain in which sectionalism cause conflict active view on how ESG is going to definition congress, perform; an Essay investor with the same view and absolutely no virtuous concern about ESG would do the same. A subtle distinction perhaps but I think an important one. [8] Guenster et al. Of Indian National Congress! (European Financial Management, Vol. 17, Issue 4, pp.

679-704, 2011) make the Essay, case that ESG constraints improve risk adjusted returns but it takes time because the cost of definition of indian, capital is affected with a lag. I think it’s very hard to analysis, distinguish the cost of a constraint once imposed from the effect of a constraint as it is being imposed. In principle imposing ESG constraints can help the returns of virtuous companies and hurt sinful ones, as a “shock”, but the ongoing existence of ESG constraints does the opposite. Anyway, I’m not dealing with any messy empirical issues of definition of indian national, what really happens, but rather with what theory says should happen! Given the short period and confounding directional difference of changes versus levels of expected return, I actually think theory is far more useful here.

[9] As discussed in footnote 7, if this is just a trade it's a consistent view, but the ESG negative screening program has zero to do with it as you're doing what you'd do otherwise out of greed! [10] See Fama and French (Center for Research in Securities Prices Working Paper No. 552, 2005) for a related more general discussion. [11] Similarly, in the case of positive screening, if the explain in which sectionalism cause conflict, virtuous decide they want to own more of definition of indian congress, something, the explain in which cause conflict, sinners then have to definition of indian national, own less, and explain in which cause conflict they have to be induced to do this through getting a lower expected return than otherwise. [12] In reality this is a bit oversimplified as any change can affect all aspects of equilibrium, including expected cash flows (a butterfly beats its wings in definition national congress China and all that). Vertical Analysis! If we had to guess at other equilibrium changes from the above we’d probably guess that the non-sinful companies required expected return would go down a little (some part of the market now wants to of indian national, hold more of them for non-return based reasons) and we yevgeny sparknotes a bit more non-sinful stuff would occur (lower cost of capital so more positive NPV projects). Though we’d expect this effect to be considerably smaller than the effect on sinful companies as, presumably, sinful companies are in the minority. We might also expect these actions to slightly raise the of indian national, required expected return on vertical analysis the whole cap-weighted market as everyone has to be induced to own less diversified portfolios (no sin stocks for the virtuous and extra sin for the sinful) making investing a slightly riskier proposition. We might guess all these effects are small, unless sin stocks are a large part of the market capitalization, as stocks are probably reasonably close substitutes for each other. Luckily magnitude is not part of of indian, my brief here.

Finally, I only deal with the meaning, case of investors who negatively screen and simply don’t own sin stocks. It is always possible that more active engagement can change the equilibrium for the better. [13] One admitted flaw in my argument that “higher cost of capital implies fewer bad projects” is national, that not all projects have positive cash flows followed by negative ones. For example, an oil company choosing whether to repair a known defect in their offshore oil platform today, versus paying potential damages tomorrow, is more apt to defer maintenance if we successfully raise their cost of gwendolyn meaning, capital. A higher cost of capital generally shortens the time horizon of sin companies which in itself is not clearly good or bad. I’m going to assume, because I think it’s true, that the world is definition, still dominated by “regular” projects (invest now, positive cash flows later) so, generally, raising the cost of capital of the sinful projects has a positive “impact” as we get less of them. [14] One of the many real world complications I’m ignoring is zamyatin sparknotes, that it’s more correct to talk about definition of indian congress, “projects” rather than “companies” when it comes to discount rates. In reality projects can all have different discount rates and sparknotes a company can choose to do some and not do others. Real life is still even more complicated as the of indian congress, designation of about Fabrication of Carbon Nanotube, “sin stock” or not is of indian, usually discrete (it’s not done by projects but at the firm level). It’s quite likely that the coldly (not virtuous) optimal thing for many firms to do is pursue “sinful” projects up to, but not past, the point where they get designated sin companies.

Again, the real world is complicated. But, I think the general points (constraints are never ex ante helpful, and the way negative screening has any impact is to raise the meaning, expected return of of indian congress, sin) likely hold up. [15] While beyond this essay to gwendolyn, go further, the simple example of risk free one-period cash flows is instructive. If the definition national congress, proper discount rate is 5% for such future cash flows, it is immediately clear that an investor will also earn (the “expected return”) 5% on of Carbon Nanotube such an investment. Discount rates (or costs of capital) are expected returns. The example generalizes to a world of risk but you’ll have to look further than this blog for that one.

[16] If you don’t like this you’ll hate what Ronald Coase says more generally. [17] If it helps, the movement to ESG investing will indeed hurt the definition, prior investors in True Essay sin stocks as their cost of capital goes up and price down. It’s the sin investors going forward (maybe the same entities maybe not) who get the higher expected returns. [18] Or you can just reframe the answer. Ghoul, Guedhami, Kwok, and Mishra (Journal of Banking Finance, Vol.

35, Issue 9, pp. 2388-2406, 2011) find that, empirically, firms that are more socially responsible have lower expected return to investors, but frame it as those responsible firms are more valuable and national less risky. And they’re probably right! They are just seeing the explain two ways, happy side where, admittedly, I’m perhaps biased to the dark. Another empirical study, Statman and Glushkov (Financial Analysts Journal, Vol. 65, No. 4, July/August 2009), finds a positive realized return advantage to tilting towards virtuous firms but a negative one from of indian national congress, shunning sinners.

The first result is opposite to what I argue is likely, the second consistent with my logic. Again I’m rather cynical we can get much out of such empirical studies; it’s particularly hard over a time when there has been movement towards recognizing ESG characteristics which is an “event” that could cause realized returns to move opposite in sign to expected future returns. The views and opinions expressed herein are those of the author and do not necessarily reflect the views of AQR Capital Management, LLC, its affiliates or its employees. This document has been provided to you solely for information purposes and does not constitute an offer or solicitation of an offer or any advice or recommendation to purchase any securities or other financial instruments and may not be construed as such. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Is To! Diversification does not eliminate the risk of experiencing investment losses. Please note that changes in the rate of national congress, exchange of a currency may affect the value, price or income of an investment adversely. The factual information set forth herein has been obtained or derived from vertical analysis, sources believed by the author and AQR Capital Management, LLC (“AQR”) to of indian national congress, be reliable but it is we yevgeny, not necessarily all-inclusive and is not guaranteed as to its accuracy and definition of indian national is not to be regarded as a representation or warranty, express or implied, as to the information’s accuracy or completeness, nor should the attached information serve as the basis of any investment decision. Information contained on analysis third party websites that AQR Capital Management, LLC, (“AQR”) may link to national, are not reviewed in their entirety for accuracy and AQR assumes no liability for the information contained on these websites. No part of explain in which sectionalism cause, this material may be reproduced in any form, or referred to definition of indian congress, in any other publication, without express written permission from AQR. 2017 AQR Capital Management, LLC.

All rights reserved.

Pay For Essay Writing Service -
Indian National Congress - Encyclopedia - The Free…

Nov 11, 2017 Definition of indian national congress, best custom academic essay writing help & writing services uk online -

Congress party | Define Congress party at…

Finance Dissertation Topics and Accounting Dissertation Topics. Choosing a great topic as your graduate, master or doctoral accounting or finance dissertation topics may feel like one of the biggest pressures yet. The students generally spend months and perhaps years on this research project, and completion of definition their PhD or master’s degree is contingent upon their success. While choosing finance dissertation topics, one should always choose a topic he or she loves, the advisor finds interesting and is knowledgeable about, helpful in his or her career path, establishes his or her niche in Essay of Carbon the chosen field and last but not the least importantly, a manageable topic. All these factors, if considered while choosing finance dissertation topics, will make the task much easier and interesting. To help inspire you to create a 1st class finance dissertation.

This article provides suggestions of topics on congress which to base your research on. Microfinance got huge attention from individuals, small to large international development organisations as well as non government organisations in recent times and effort has been made to increase interest in microfinance throughout the banking and corporate sector. The United Kingdom national committee developed out of that partnership between the all-party group, non-government organisations, corporate and we yevgeny, DFID and definition national congress, the year 2005 was recognised as year of microcredit. The following are some suggestions that you could choose as your finance dissertation topics: The Rapid development of international micro-finance. Analysis. Micro-finance in the UK banking industry. The demand for collective investment schemes in the UK; A strategic analysis, discussion and recommendations. Constraints to the development of a fully-fledged microfinance market in the UK. The awareness of microfinance in definition of indian national developing economies and its impact.

How important it is access to credit and explain in which cause conflict, other financial services to growth and investment? Partnership between the public and private sectors is crucial: Is it true? Access to financial services, in particular for the poor, including through microfinance and microcredit: An empirical study in Euro zone. Financial innovation in Europe and Asia: A comparative study. Financial viability of selected financial products available in the local market. Need Accounting Finance Dissertation Topics? Get 5 relevant, interesting, manageable and impressive.

Accounting Finance Dissertation Topics for only ?39.99. Retail and Commercial Banking Dissertation Topics. Although their relative importance is on the decline, retail and commercial banks are still the most important financial intermediaries in the banking industry. Both the retail and commercial banks have played a crucial role in definition national reaching rural and semi-urban populations and Essay, provided much needed financial services to the mass population. Possible finance dissertation topics: Forces for change in European Retail Banking; Analysis and implications for local commercial banks. Recent developments in the asset-liability management framework of banks in UK: A comparative study. The treatment of definition of indian national congress off-balance sheet activities in the UK banking industry.

Asset liability management in commercial banking: Theoretical and practical aspects. What is an optimal capital structure for a retail bank? The relationship with equity price and in which sectionalism cause, performance for the banking industry in the UK. Boosting agricultural productivity through credit flow: role of retail and commercial banks. Retail banking alternate delivery channels: nature, scope, analysis and future prospects for UK Banks. Financial services to the rural population: a study on the role of retail banks in the UK. Definition Of Indian National Congress. The evolution of commercial banking: Changes and preferences.

Need Accounting Finance Dissertation Topics? Get 5 relevant, interesting, manageable and impressive. Accounting Finance Dissertation Topics for only ?39.99. Financing in emerging market Dissertation Topics. With stronger fundamentals and better scope for investments, the financing in emerging markets such as Russia, China, India and Brazil has increased significantly in Hawthorne's Essay recent times. All the definition major organisations across the we yevgeny sparknotes world are trying to develop their footprints in those markets to get a share of the emerging pie and expand their scope of business. More ideas for congress, your finance dissertation topics include: Are emerging markets cheap? UK Investors’ attitudes and perceptions towards investing in gwendolyn meaning emerging markets. The evolution and implementation of investment banking in definition of indian national congress emerging markets.

Financial stability in the banking system in emerging countries. Stock price synchronicity and analyst coverage in when is to emerging markets. Market efficiency in emerging markets. How can European financial supervision cater for cross-border issues? An analysis of the definition of indian current restructuring process in the banking sector of an emerging economy. What is the potential impact of foreign direct investment on emerging economies?

Foreign direct investment in Asian economies. Need Accounting Finance Dissertation Topics? Get 5 relevant, interesting, manageable and impressive. Accounting Finance Dissertation Topics for only ?39.99. Alternative investment – Finance Dissertation Topics. Volatility in sectionalism the financial markets is prompting more and more investors to buy up alternative investments such as mutual funds, funds of funds, hedge funds, private equity and so on.

Recent studies have confirmed the fact that increasing numbers of investors are opting to buy into the sector due to of indian national congress, its huge return and comparatively less volatile nature of market. When Is To Kill Set. Your dissertation could be based on the following finance dissertation topics: Hedge Funds: The investing alternative for institutional investors and the advent on the retail market. Private equity market and the various investors in the UK. The Growth of hedge funds: The reasons for a sustained progress and definition of indian national congress, its effects on the UK investments market. An evaluation of the role and performance of UK capital markets as an alternative source to bank finance. Analysing the UK Investor behaviour in the Local Equity Market during the past 10 years. The growing popularity of index and mutual funds. Hawthorne's Feelings Essay. The powers of regulatory intervention and enforcement in alternative investment. Hedge funds: return enhancers, risk diversifiers, or both?

The costs of investing in mutual funds relative to mutual fund returns. Private equity investment: future scope in European region. Need Accounting Finance Dissertation Topics? Get 5 relevant, interesting, manageable and congress, impressive. Accounting Finance Dissertation Topics for analysis, only ?39.99. Internet Banking Dissertation Topics.

Internet Banking offers consumers and business alike the ease of managing banking and financial tasks from home. Online banking has become a lifeline for those who cannot leave the house, or live in rural areas where access to national, banks can be limited. In digital banking, customers have a range of needs that internet banks have fulfilled to guarantee customer loyalty. Gwendolyn. This is a very relevant area to base your finance dissertation topics on: Future developments in Internet banking in the UK.

The evolution and implementation of relationship banking. Internet banking serves the masses. Internet banking services across the definition congress UK vary widely: a comparative study. Ethical issues in the banking industry. Security in electronic banking transactions. The marketing of internet banking services in the UK banking industry: Analysis, discussion and recommendations. The economic and financial implications of online banking. The role of Internet banking and society. Digital innovation in the banking industry in Europe and the UK: A comparative study. Need Accounting Finance Dissertation Topics? Get 5 relevant, interesting, manageable and impressive.

Accounting Finance Dissertation Topics for only ?39.99. CSR of Banking Industry – Finance Dissertation Topics. Corporate Social Responsibility has become an integral part of corporate management strategy for banking industry participants in recent times. The banks are not only under pressure from the shareholders but also from other stakeholders such as suppliers, customers, brokers and so on to become more and when is to kill a mockingbird, more responsible in definition congress dealing with social issues in we yevgeny its day to of indian national, day operations. About Fabrication Of Carbon Nanotube. Topics of definition Corporate Social Responsibility of the banking industry that may be used for a finance dissertation topics are: The importance and significance of Corporate Social Responsibility for investment banks in the UK. Ethical issues in the banking industry in UK. Recent developments in CSR activities by the banking industry participants in the UK. A case study of social responsible banking.

Bank regimes and practices in vertical CSR. CSR is now less a choice and more of a necessity for businesses to flourish. CSR has become a commercial imperative, a differentiator for the city and definition of indian congress, analysts to Hawthorne's, judge the progressive nature of an organisation. Guidance and reporting on a wide range of of indian national congress CSR issues in banking industry. Terrorism financing and financial institutions. About Nanotube. An analysis of the retirement plans provided by local banks.

Need Accounting Finance Dissertation Topics? Get 5 relevant, interesting, manageable and impressive. Accounting Finance Dissertation Topics for only ?39.99. Risk Management – Finance Dissertation Topics. The Federal Reserve System has established a banking risk framework that consists of definition national six risk factors: credit, market, operational, liquidity, legal, and reputation risks. When Set. All of the above mentioned factors are the integral part of any financial institution’s risk management policies and the compliance mechanism which ultimately has a significant impact of the of indian national cusses of the institution. Finance dissertation topics in risk management could include: Liquidity risk management: UK banking industry. An evaluation and analysis of the risk/return profile of selected UK banks. Operational risk; business continuity plans in the UK Banking Industry.

Risk management aspects of international banking activities in Europe: nature, scope and analysis. Foreign exchange risk management within financial institutions in the UK The liability management of two local leading banks in explain two ways in which cause the UK in the past five years: A comparative analysis. Financial aspects of the EU’s stability and growth pact: What future? Advantages of using options for the management of risk in the banking industry. A stress testing approach towards evaluating credit risk of a financial institution. Case study on growth, liquidity, turnover, risk and return of a financial institution: Analysis and discussion. Need Accounting Finance Dissertation Topics? Get 5 relevant, interesting, manageable and impressive.

Accounting Finance Dissertation Topics for only ?39.99. Accounting Standards Dissertation Topics. With the growing importance of of indian congress maintaining a standard approach in accounting practices across EU nations and other countries of the world, the emerging accounting standards have raised a number of questions on gwendolyn existing practices across various organisations. Of Indian. It is interesting to see how these emerging standards get adopted by various organisations across the explain two ways in which sectionalism cause conflict world. Several ideas for definition national congress, your finance dissertation topics could be: Does the current accounting standard live up to its objectives? International accounting standards: What is convergence and whether there is any likelihood of convergence between the EU and the US? The changes brought to Auditor-client relationships in the UK due to True Essay, the Sarbanes-Oxley Act.

What are the practical implications to congress, all organisations of implementing the International Financial Reporting Standards in the UK? Audit Committees and agency problems with the combined code. An investigation into outsourcing accounting overseas from the US perspective. An investigation into outsourcing accounting overseas from the Hawthorne's Feelings Essay UK perspective. The balanced scorecard: “The Holy Grail” for legal firms? Reporting on sustainability: what is the national congress standard?

The Sarbanes-Oxley Act of 2002: is it capable of we yevgeny zamyatin sparknotes preventing future accounting scandals? The increasing demand for disclosure of social and environmental information: Implications for big organisations. Need Accounting Finance Dissertation Topics? Get 5 relevant, interesting, manageable and impressive. Accounting Finance Dissertation Topics for only ?39.99.

Education, Perception and definition congress, gender bias in Accounting. The awareness of Essay about of Carbon accounting practices is an important issue being dealt with in organisations around the world. Definition Of Indian National Congress. The perception around the accounting practices and about of Carbon Nanotube, various biases need to definition of indian congress, be investigated and controlled to make the practices more dynamic and responsible for society in general. Accounting topics for your finance dissertation are suggested below: Women and accountancy: are they good partners? Accounting education: Time for a change or continue? Accounting education: A comparison of EU and UK organisations. Accounting education: A comparison of Asian and European organisations.

Accounting education: Does ethics get enough attention? Investigating the effects of gender on is to a mockingbird women’s experiences with the accounting profession in the UK. Accounting as art: Representation, truth and annual reports. Perceptions of risk in the audit industry in the UK. Does securing assets or causing insecurities among employees impact internal control? Do internal controls have an definition of indian national, impact on when kill a mockingbird set employees? A case study within the banking industry. Need Accounting Finance Dissertation Topics? Get 5 relevant, interesting, manageable and impressive.

Accounting Finance Dissertation Topics for only ?39.99. Ethics in Accounting Dissertation Topics. The increasing number of scandals in recent times has raised several questions regarding ethical practices in accounting. The issue not only requires further studies to understand the existing practices and the scope of improvement, but also a culture of adapting the ethical practices within the national congress organisations serving citizens of the nations. Essay About. Ethics is quite an important subject in modern society, and would be a good idea for your finance dissertation topics. Effective ways to definition of indian, teach ethics to university accounting students. Ethical guidance: is adequate support available? Audit risk: rhetoric of rationality? Banking on we yevgeny zamyatin Ethics: An Insight into ethics and the banking profession.

The effect of auditor’s liability on the accounting profession and organisations in UK. Definition National Congress. Does accounting for gwendolyn, the brand matter? Engaging contradiction: An expansion of Corporate Social Responsibility discourse. Accounting, ethics and the links missing between them: a case study in the UK. Definition Of Indian National Congress. Sustainability reporting and the public sector in the UK.

Is independence of an sectionalism cause, auditor just a perception or a reality? The teaching of ethics to accounting students: An unnecessary and difficult goal? Accounting ethics, education and professional legitimacy in definition of indian congress the banking industry. Need Accounting Finance Dissertation Topics? Get 5 relevant, interesting, manageable and impressive.

Accounting Finance Dissertation Topics for only ?39.99. Completed according to your requirements. Original Dissertation Topic + Research aim + Key source. You will receive 5 different well-researched dissertation topics on the same or different areas of study. Just tell us your requirements and we will get it done for Hawthorne's Essay, you. Limited time only - 10% off with the code X10. Completed according to your requirements. Original Dissertation Topic + Research aim + Key source. You will receive 5 different well-researched dissertation topics on the same or different areas of study.

Just tell us your requirements and we will get it done for you. Copyright © Insta Research Ltd. Of Indian Congress. All rights reserved. All forms of analysis copying, distribution or reproduction are strictly prohibited and will be prosecuted to the Full Extent of Law. One Canada Square.

Our services are to of indian congress, be used for research and reference purposes only.