Impact Of Financial Leverage On Stock Return Volatility

Introduction to Leverage Leverage is the ability to influence a system, or an environment, in a way that multiplies the outcome of one s efforts without a corresponding increase in the consumption of resources. In different words, leverage is the advantageous condition of having a relatively small amount of cost yield a relatively high level of returns. Indeed, it is extremely important to quantify the effect of financial leverage on stock return volatility in a dynamic general equilibrium economy with debt and equity claims. The effect of financial leverage is studied both at a market and a firm level where the firm is exposed to both idiosyncratic and market risk. In a benchmark economy with both a constant interest rate and constant price of risk, financial leverage generates little variation in stock return volatility at the market level but significant variation at the individual firm level. In an economy that generates time-variation in interest rates and the price of risk, there is significant variati on in stock return volatility at the market and firm level. In such an economy, financial leverage has little effect on the dynamics of stock return volatility at the market level. Financial leverage contributes more to the dynamics of stock return volatility for a small firm. Advantages of Leverage Leveraging business carries some specific benefits that don t escort different ways of business finance. First, leveraging a business carries some risks, however theShow MoreRelatedThe Vanguard Equity Income Fund Investor Essay1136 Words   |  5 Pagesdollars). Its inception date is 21st March, 1988, and its ticker symbol is VEIPX. VEIF-Inv has used the spliced benchmark index: Russell 1000 Value Index through July 31, 2007; FTSE High Dividend Yield Index thereafter. VEIF-Inv has earned average total returns of 11.02 % per year since inception (calculation from data in appendix 1). This means that investing 100 dollars when fund opened in 1988Q2 with all income reinvested would by 2016Q3 have increased to 1580.47 dollars. Until 31st October, 2016, theRead MoreHedge Funds And Hedge Fund1535 Words   |  7 Pagescreated by Alfred Winslow Jones in 1949. His strategy, while simple, had never been used in the asset management world. His idea was to buy stocks which seemed undervalued and short those which presented the worst outlook. This strategy allowed him to protect himself against a fall in the equity markets. He later started using leverage in order to improve his returns by taking additional risk. Even though his hedge fund outperformed long-only asset managers for many years, the hedge fund industry didn’tRead MoreConventional Financial Theories Of A Normal Distribution919 Words   |  4 Pages2008 Financial Crisis, investors have challenged conventional financial theories for its inability to realistically explain risk. Traditional strategies and asset pricing often rely on a normal bell curves to make market assumptions, but in reality, the markets do not behave this way. Under a normal distribution, a majority of asset variation falls within 3 standard deviations away from its mean which often understates risk and volatility. Unfortunately, the historical landscape of financial marketsRead MoreFinance 1001185 Words   |  5 Pagesstock’s realized return. A realized return is the amount of actual gains that is made on the value of a portfolio over a specific evaluation period. This takes into consideration any earnings generated by each of the assets contained in the portfolio, as well as any losses that were incurred as a result of a shift in the value of the individual assets. It is possible to identify the realized return associated with each asset that is held in the portfolio. Components of realized return are expectedRead MoreFinancial Outcomes And Portfolio Trends1376 Words   |  6 PagesFinancial Outcomes Portfolio Trends Initially starting with 1 million dollars and after making 363 trades, I have gained a net worth of $1,062,528.83 throughout the semester with an overall returns of 6.25%. This has placed me at 54th place out 169 players. In this period of time, my performance has drastically fluctuated up and down, the lowest being a -13.09% return and highest being a 7.07% return. As for portfolio trends based on dates, from September 16th to October 7th, I consistently hadRead MoreExecutive Cash Compensation As The Proxy For The Ceo s Level Of Risk Aversion1607 Words   |  7 Pagescompensation will seek to avoid risk. I measure cash compensation as the natural logarithm of the salary and the natural logarithm bonus. Following existing literature (e.g., Guay, 1999; Rajgopal and Shevlin, 2002) the sensitivity of CEO wealth to stock price is also included as an additional control variables for CEO risk aversion in the risk-taking incentive model. Guay (1999) documents a positive relationship between firm size and CEO risk-taking incentives. I measure firm size as the total salesRead MoreThe Financial Crisis : Conventional Financial Theories800 Words   |  4 PagesFollowing the 2008 Financial Crisis, conventional financial theories have been challenged for their inability to realistically explain risk. Traditional strategies of asset pricing often rely on a normal bell curve to make market assumptions, but in reality, the markets do not behave this way. Under a normal distribution, a majority of asset variation falls within 3 standard deviations of its mean which subsequently understates risk and volatility. Unfortunately, history would suggest financial markets doRead MoreIndividual Investor Perceptions And Behavior During The Financial Crisis Essay3855 Words   |  16 PagesIndividual investor perceptions and behaviour during the financial crisis The main focus of this paper is on the financial crisis and the individual investor perceptions about it as well as the risk taking behaviour of the people. The paper discusses the aspects of risk perceptions and risk tolerance in regard to the significant fluctuations of the investor perceptions and the volatility of the return expectations. To understand these perceptions, a panel-data set has been used which combines theRead MoreBusiness Portfolio Objectives And Constraints1828 Words   |  8 Pageslifetime. †¢ Sector selection –– There are four main phases to a normal market cycle. The recovery phase often sees strong growth, low interest rates and growth in corporate profits. Sectors sensitive to interest rates and to economic growth—such as financials, industrials, information technology, and materials—should do well. –– In the middle phase of the cycle, positive GDP growth, strong credit growth and healthy corporate profitability tends to still favor more economically sensitive sectors, suchRead MoreExecutive Officer Of Hill Country Snack Foods Essay1583 Words   |  7 Pagessalsa and much more, was called to an analyst conference to discuss the financial standing of the company. Keener has made the focus of the company to increase shareholder value for the last fifteen years in his position. Efficient operations and tight costs controls were necessary conditions for success for the company could not rely on price increases in the high rivalry industry. Holding one-sixth of the company’s common stock, Keener and other management had a strong preference for equity finance

Prevalence Of High Blood Pressure Essay - 1610 Words

1. My preliminary thoughts about the data that I have found for this indicator Prevalence of high blood pressure has increased over time According to the data collected, diagnosed high blood pressure increased from 2010 to 2014. This rise in diagnosed hypertension can be attributed to varying combinations of genetic, environmental, and sociological factors (Blais, 2014). Specifically, dramatic increases in the prevalence of obesity and aging population demographics can account for a significant amount of reported high blood pressure. In Canada, severe obesity has increased 4-fold over the past 3 decades (Padwal, 2016). Particularly in industrialized populations, weight gain has been shown to yield several risk factors of hypertension, such as metabolic abnormalities and excess adipose tissue (Padwal, 2016). In addition to obesity, vascular stiffness is a primary physiological driver of hypertension in the elderly (Blais, 2014). Within the past five years, the aging population in Canada has steadily increased and is expected to grow exponentially within the next few decades (Padwal, 2016). Further potential triggers associated with the increase in hypertension include: chronic stress, sedentary behavior, elevated sodium intake, and alcohol consumption, among others (Blais, 2014). Trend towards seeking high blood pressure diagnosis The rise in high blood pressure diagnosis could also be attributed to a general growth of hypertension awareness in the CanadianShow MoreRelatedPrevalence Of High Blood Pressure Essay1596 Words   |  7 PagesPrevalence of high blood pressure has increased over time According to the data collected, diagnosed high blood pressure increased from 2010 to 2014. This rise in diagnosed hypertension can be attributed to varying combinations of genetic, environmental, and sociological factors (Blais, 2014). Specifically, dramatic increases in the prevalence of obesity and aging population demographics can account for a significant amount of reported high blood pressure. In Canada, severe obesity has increasedRead More High Blood Pressure Essay1374 Words   |  6 PagesData from World health organization (2002), estimated that high blood pressure was the cause of death for more than 7 million individuals every year, affecting 972 million of world population which accounts for 26.4% in total, 26.6% of those are men and 26.1% are women. In addition 333 million of those in developed countries and 639 million in developing countries and responsible for 11% of all diseases burden in industrial countries, it also estimated to be the case of death for more th an 20% inRead MoreHypertension : Risk Factor For Cardiovascular Disease1560 Words   |  7 PagesDr. Zuzana Bic I. Public Health Problem Hypertension, also known as high blood pressure, has become a major risk factor for several types of heart disease across the globe. In the United States alone, nearly 70 million adults have been diagnosed with this condition [1]. Hypertension is a condition in which arterial walls experience extreme force from blood flowing through; long-term force against artery walls will lead to more serious health problems such as strokeRead MoreRisk Factors For Developing Cardiovascular Disease896 Words   |  4 PagesIn today’s world, it seems there are a plethora of ailments. Diseases such as obesity, dyslipidemia, high blood pressure, and high blood glucose levels are a real concern for individuals. According to Prasanna Kumar (2011), the previously listed ailments are a cluster of individual illnesses that make up Metabolic Syndrome (MetS). Therefore, MetS is not accepted as a disease, rather a syndrome with numerous risk factors for developing cardiovascular disease (CVD) or diabet es. Lawrence LawrenceRead MoreRisk Factors For Developing Cardiovascular Disease895 Words   |  4 PagesIn today’s world, there is a plethora of ailments. Diseases such as obesity, dyslipidemia, high blood pressure, and high blood glucose levels are a real concern for individuals. According to Prasanna Kumar (2011), the previously listed ailments are a cluster of individual illnesses that make up Metabolic Syndrome (MetS). Therefore, MetS is not accepted as a disease, rather a syndrome with numerous risk factors for developing cardiovascular disease (CVD) or diabetes. Lawrence Lawrence (2013) stateRead MoreHealth Literacy Interventions And Its Impact On Diabetic Patient Health1454 Words   |  6 PagesLiterature Review Diabetes mellitus is a major public health problem in the US. High diabetic prevalence rates and negative health outcomes were linked with lack of health literacy among the population. Health literacy is necessary to create awareness and improve self management skills among the patients. This will help prevent diabetes and delay the complications associated with it through educated care choices and self management ability. This research focuses on health literacy interventionsRead MoreSchema of The Process of Studies1133 Words   |  4 Pagesabout prevalence and knowledge of physicians were clear as following: Hypertension prevalence increased ever more with age, with the exception of the oldest age group (≠¥75 years). In the youngest age group, hypertension was present in 7.8% of the population. The prevalence rate was 59.4% in the 65-74 age group[1]. The weighted national prevalence estimates suggest that 26.3% of all Egyptian adults 25 years of age and older were hypertensive [1]. Just (53.2%) had achieved controlled blood pressureRead MoreThe Causes Of Non-Communicable Diseases ( NCD )1117 Words   |  5 Pagescompared to high-income countries. With about three quarters of the global burden NCD deaths occur in LMICs (WHO, 2017). Cancers, cardiovascular diseases (such as stroke and heart attacks), diabetes, and chronic respiratory diseases (like asthma and chronic obstructive disease) are the main and most common types of NCDs affecting the global population (WHO, 2017). Hypertension is one type of NCD that also contributes to the burden of other NCDs like heart disease and stroke. Also called high or raisedRead MoreNational Health And Nutrition Examination Survey940 Words   |  4 Pagescardiovascular disease. Different surveillance methods are used to obtain reporting information regarding CVD. This information is beneficial to physicians, health care providers, and people in the community. It provides data that can be used to establish prevalence in different categories. It provides evidence and allows for issues to be prioritized. This is extremely important because different nations, states, counties, and cities are able to factors pertinent to their areas. The United States uses the NationalRead MoreCardiovascular Disease ( Cvd ), High Blood Pressure, Congestive Heart Failure1662 Words   |  7 PagesThis literature review will cover 20 different articles and journals pertaining to cardiovascular disease (CVD), high blood pressure, congestiv e heart failure, hypertension and other coronary heart disease among the Muslim community. Cardiovascular disease (CVD) is the decreasing of blood flow due to condensing and toughening of the arteries that supply blood to the heart muscles. A recent study found that every 33 seconds, there are death from CVD in the United States (ARA, 2004). The main problems

Lev Vygotsky Essay Example For Students

Lev Vygotsky Essay Lev Vygotsky was known as the creator of an original branch of psychology in the Soviet union. He is also known for writing many books on psychology. In the first part of my paper, I will begin telling you how young Vygotsky got into psychology for thge first time. Second, I will talk about his theories and thesiss that change the psychological world forever. Last, I will tell you how you can use his methods in your own classroom. Since Vygotsky is not that well known, many people pass on his information for Piagets information in theis field. Lev Vygotsky was born on November 5, 1896 in Beyelorussia, Soviet Union. As a young boy, he began to realize that he wanted to have something to do with psychology. Not too much is known about his childhood not even where he went to school at. Until, he received his first job a schoolteacher, teachingf science to higfh school students 9n Moscow. YThen in 1924 when bygotsky was twenty eight he was accepted into a psychological institute. This is where many young psychologists began their psychological career. While there, he wrote many brilliant articles. In 1926, he wrote his first book, The Psychology of Teaching. This is when Vygotskys career began to go up. Throughtout his years he also came up with many theories and thesiss. The most well known is the zone of proximal development. Another was his distinction between lower and higher mental functions in infant cognitive development. He was also known for later in his life analyping Peagets Developmental theory.Words/ Pages : 275 / 24

Should Australia introduce any tax or GST changes Essay Example For Students

Should Australia introduce any tax or GST changes? Essay Why do we need taxes?Taxation makes up majority of our governments income. With this income the government can provide us with proper infrastructure and social services for little, if no cost at all. These include Medicare, social security and education. (These facilities are known as recurrent expenditures because it is needed time after time.) Other expenditures include transportation, lighting, recreation etc. These services are granted to us at no costs. In many 3rd world countries where taxation is low or doesnt exist, all of these services are to come out of ones own pocket. Over the many centuries, in which taxation was existent, people have cheated and avoided paying these taxes. Nowadays people with high-income put their money into trusts, superannuation, or incorporate it into businesses. Businesses would try and receive more cash transactions. This has led to a decrease in our governments revenues, thus leading to a tax reform in hope of a more effective result. What makes a good tax system?There are four elements in a successful tax system. They are effectiveness, efficiency, equitability, and simplicity. 1) Effectiveness: is the performance compared to the desired effect. E.g. the number of people who pays tax, how much tax is received. 2) Efficiency: is the cost of running the system. The system may be very effective with a million tax officers, but it would cost millions to hire so many people. 3) Equitability: is the fairness of the system. This is an impossible goal to achieve. From different peoples point of views, the system will always be unfair to them in some way. Not to mention the tax cheats. The best solution is to broaden the number of people who pay the tax, which is only fair. 4) Simplicity: A tax system should never be too complexed, it is otherwise not efficient neither understandable. The income tax Act that just started off at just 120 pages in 1936 is now over 3300 pages and has doubled in size over the last 7 years. A complex system means that those who can afford expensive tax advice minimize their tax. But those that cant, pay the full share. It is impossible to have a system where all four elements are satisfactory. Where a system may be effective and efficient it will not be equitable or simple. It is impossible to fit the whole population all under one roof. Under these circumstances the government proposed a new way of taxation- GST. What is GST?GST is a tax on the goods and services that each and everyday households consume. Tax is collected at each stage of production and distribution, but a credit is given for the GST on inputs. Refunds are given for GST on exports. Therefore, only households bear this tax. Australia currently has a WST in p lace of a GST. WST is whole sales tax this tax is levied on the whole sale price and is collected by wholesalers. A GST is in fact a VAT-value added tax. Meaning it is levied at each stage of production and distribution. Over one hundred countries in the world have a GST/VAT, but only six nations including Australia have a WST. The advantages and disadvantages of a GSTIt is hard to say whether the GST is favorable or adverse because the government hasnt yet proposed the whole system, the exemptions and the exact figures of taxation. The following is only speculation by the many supporters and those who disapprove. ADVANTAGES1) Lower taxes means business can buy and sell more competitively overseas. 2) The higher cost of prices will slow down inflation. 3) At each level of production and sale, except sale to a consumer, a rebate is claimable. The paperwork for these claims helps to enforce compliance. This would also stop tax evasion. 4) It will hit the black economy because the money earned will be used for consumption. 5) Replace existing distortional indirect taxes6) Prices on some good and services will fall instead of rising. E.g. petrol7) Less income tax gives people more incentive to work. 8) The reduction in many taxes that were of a heavy burden to businesses will be abolished thus giving the businesses more power to employ extra workers. These taxes include the WST and many other excise duties such as the taxes on many house hold goods. 10) The GST will be able to with stand tomorrows many challenges which the current system will not be able to handle. E.g. an aging population. 11) Current indirect taxes are levied on a limited array of goods, which are a declining proportion of household budgets. This problem can be solved only with a broad-based tax system such as the GST. Social Issues Essaythere should be no increase in the overall tax burdenany new taxation system should involve major reductions in personal income tax with special regard to the taxation treatment of familiesconsideration should be given to broad-based indirect tax to replace some or all of the existing indirect taxesThere should be appropriate compensation for those deserving of special consideration andReform of Commonwealth/State financial relations must be addressed. The Prime minister has indicated that before the next election, the Australian public will have a clear idea of the governments plans for modernization and reform of Australias taxation system. In all, people believe Australia should have a tax reform. The current system does have too many loopholes for cheats to fit in. A GST may be an idealistic idea but not realistic for the time being. Through the 1992 election between Mr. Keating and Dr. Hewson, it is clear that the public fears the GST. It could be that most are not sure what it really is. There is need for time and education about GST, allowing voters to understand it. Until then, its going to be a long harsh process planning and considering all the aspects of a healthy and fair taxation system.

The Good Evil Transformation Hamlet Essay Example For Students

The Good Evil Transformation Hamlet Essay Hamlet’s transforms from good to evil in the play Hamlet by Shakespeare. Hamlet experiences a lot of pain and becomes very anger because of his father’s death, his mother’s bad remarriage, and the loss of his only love, Ophelia. The losses that Hamlet has to deal with are the anger and lack of forgiveness build in himself. This allows Hamlet’s true thoughts and character to be revealed through his soliloquies. First, Hamlet reveals his wishes that he could just melt away and be gone; because if he dies, he would be free from the world. Hamlet thinks about how is father was a leader and went from a noble king to a king that does not desire to help his people and serve his country. Hamlet loves the power and the fame that is comes with being a king. Hamlet also shows his anger and disbelief with women in general â€Å" Frailty, thy name is women† like his mother and her bad marriage with Clauduis. Hamlet says he is â€Å"sick at heart† over his father’s death and his mother’s remarriage. Hamlet finds out that his uncle Clauduis has killed the King, Hamlet’s father. We will write a custom essay on The Good Evil Transformation Hamlet specifically for you for only $16.38 $13.9/page Order now The ghost of Hamlet’s father tells him to try and seek evenge against Clauduis who was responsible for the king’s murder. So, Hamlet needs to kill Clauduis to avenge his father’s death. Hamlet must kill his uncle and get his innocent hands full of blood, so he can avenge his father’s death. Hamlet now turns into a deceitful person. He now tries to come up with a plan to kill Clauduis for his crime. Hamlet starts to question his ability to get revenge for his father’s death. He wonders if he is too much of a coward. Hamlet starts to think if it is better to live life with the pain of his father’s murder or try o get revenge by killing his uncle Clauduis. Hamlet believes that death is the same as going to sleep, forever. Hamlet thinks if he could go into a deep sleep that would stop all the pain and suffering plus all his sorrow and he would be happy to do it. Hamlet hesitates about taking his own life and falling asleep forever because, he thinks that when he is asleep he will have dreams and the dreams he will be very disturbing to him. For the first time, Hamlet meets his mother in privacy. At least that is what he thinks. He starts to discuss his feelings of his mother, but he vows that e will speak daggers, but he will never actually use one. While Hamlet speaks with his mother, someone else is listening to their every word. Polonius has devised a plan to hide himself behind a curtain in the room and listen in on Hamlet and his mother’s conversation to find out if Hamlet has gone mad. Hamlet discovers that there is something behind the curtain. He thinks that it is Clauduis hiding behind the curtains and that he will finally get revenge like the ghost asked him to. Hamlet thinks his quest to avenge his father’s death is about to end. But, he is going to find out that it is not true. His ambition gets the best of him, and he does not think correctly. Hamlet kills the great Polonius. Before this event, Hamlet is known to use his intelligence before he commits a task, but this one action seemed to change his fate. He later blames his madness as being responsible for the death of Polonius. Hamlet is now starting to lose his mind. Hamlet now takes time to think of all the events that have just occurred. Everything is not going his way, makes his revenge for his father’s murder very difficult. .u5c72a1b41c61f297fdd2caf4e77f2a55 , .u5c72a1b41c61f297fdd2caf4e77f2a55 .postImageUrl , .u5c72a1b41c61f297fdd2caf4e77f2a55 .centered-text-area { min-height: 80px; position: relative; } .u5c72a1b41c61f297fdd2caf4e77f2a55 , .u5c72a1b41c61f297fdd2caf4e77f2a55:hover , .u5c72a1b41c61f297fdd2caf4e77f2a55:visited , .u5c72a1b41c61f297fdd2caf4e77f2a55:active { border:0!important; } .u5c72a1b41c61f297fdd2caf4e77f2a55 .clearfix:after { content: ""; display: table; clear: both; } .u5c72a1b41c61f297fdd2caf4e77f2a55 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u5c72a1b41c61f297fdd2caf4e77f2a55:active , .u5c72a1b41c61f297fdd2caf4e77f2a55:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u5c72a1b41c61f297fdd2caf4e77f2a55 .centered-text-area { width: 100%; position: relative ; } .u5c72a1b41c61f297fdd2caf4e77f2a55 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u5c72a1b41c61f297fdd2caf4e77f2a55 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u5c72a1b41c61f297fdd2caf4e77f2a55 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u5c72a1b41c61f297fdd2caf4e77f2a55:hover .ctaButton { background-color: #34495E!important; } .u5c72a1b41c61f297fdd2caf4e77f2a55 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u5c72a1b41c61f297fdd2caf4e77f2a55 .u5c72a1b41c61f297fdd2caf4e77f2a55-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u5c72a1b41c61f297fdd2caf4e77f2a55:after { content: ""; display: block; clear: both; } READ: Andrew Coleman 10K Wednesday, 02 April 2003 EssayHe that hath made us with arge discourse and the incapability of making godlike reason, made us only contain one part wisdom and three parts coward. † With this, he questions why he still lives to say these words. â€Å"Witness this army of such mass and charge, led by a delicate and tender prince, whose spirit, with divine ambition puff’d. † Hamlet emphasizes how a righteous and pure spirit becomes crushed by ambition, the aspiration of becoming renowned and accepted. â€Å"My thoughts be bloody or be nothing worth. † Hamlet has now revealed his own crisis. A righteous and pure spirit that has bee n crushed by his longing revenge towards Claudius. In Hamlet by Williams Shakespeare, Hamlet’s character is perceived at the beginning of the play as one of virtue and integrity. He becomes a victim of evil and corruptness because he never forgives Claudius for murdering his father and also never forgives his own mother for marrying Claudius. Hamlet’s character transformation is very plain to see in the last line of his last soliloquy â€Å"my thoughts be bloody or be nothing worth. † He allows himself to become someone that prospers off the thought of revenge, and this, ultimately, gets him killed.

How to Write a Financial Need Essay

How to Write a Financial Need EssayA financial need sample essay can be used to start the conversation on student loans. This essay is used to determine what it is that is desired in a school loan. Students will then get to know what type of school loan they are interested in. They will need to know the exact amount that they are going to receive before they apply for anything.Financial need essays are written as a way to determine a student's current money situation. The student will need to identify exactly what type of financial situation they currently are. The type of money situation will affect which type of school loan they will receive.Students who have unsecured credit card debt will likely not qualify for a loan from a private lender. The major types of loans that the government provides are subsidized and unsubsidized. Unsecured loans will require the student to place collateral. If the student has no collateral, they may not qualify for the subsidized loan.In order to get a personal loan, a student must go through a financial need essay. This type of essay is also used to find out exactly what type of financial situation a student is in right now. This will help the lender to determine if the student can be approved for a specific loan.It is important to know what you want before you apply for any kind of financial need. The lender will examine your situation and evaluate what you are looking for in a school loan. The best thing a student can do is to work out all of their payments.If a student is only able to pay for their school loan with their personal credit cards, they may not be eligible for a loan. Students will need to consider all of their expenses to determine what their personal budget looks like. This is a good time to talk with parents about what type of loan will fit their needs.It is important to work out all of your payments before you apply for any type of loan. The financial need essay is a good place to start this process. Student s should make sure that they know what they want in a school loan before they make an application.Once a student finds out what type of financial need they are in, the financial need essay is a good way to ensure that they can receive the type of loan that they want. The financial need essay will help to determine what type of school loan the student will receive. Financial need essays will also help the lender decide if a student is eligible for a certain type of loan.

gattaca essays

gattaca essays Genetically, Vincent is supposed to be weak, yet his strength of character is the key to the story. DISCUSS The film Gattaca portrays the not to distant future, where a society has become overwhelmed by a new form of discrimination, genoism. Individuals entire futures are determined by their genetic makeup. Those who have been conceived naturally are labelled as faith births, invalids and looked down upon by society. Whereas those who are genetically engineered to perfection before birth become the elite class who are termed valid in which success is almost guaranteed. However, Vincent refuses to accept the limitations society has placed on his life. He refuses to give in to the inevitable. Vincent wages his own personal fight against societys mores to achieve his dream and show that anything is possible. From a young age Vincent is conveyed as weak and almost chronically ill. Conceived in love has a greater chance of happiness. They dont say that anymore. Those who are not manufactured by IVF but made through love are subjected to a second class life from birth. Invalids, as they are known, belong to a new under class. My destiny was mapped out before meall my flaws, predispositions and susceptibilities - most untreatable to this day. Only minutes old, the date and cause of my death was already known. Throughout Vincents early years we are shown the discrimination he sarcomas to from his own family as well as society. Vincents own father Antonio sees Vincent as weak and unworthy of his name Anton so instead calls him Vincent. Gates and opportunities are continuously slammed shut in Vincents face. There is constant favouritism shown towards Vincents genetically superior brother Anton. Vincents parents see him as a failure and give up on him. ...