The effects of mergers and acquisitions on small business lending Essay

The impacts of mergers and acquisitions on private venture loaning - Essay Example Other than the normal focal points emerging from combinations occurring in independent ventures, mergers and acquisitions assume a significant job in expanding the size of banking foundations in a nation. These advantages incorporate; preparing of local reserve funds, which are vital for ventures, developing and expanding intermediation forms, just as decrease of wasteful aspects dug in organizations and other monetary exercises. In any case, there is one thing that has stayed hazy in numerous economies, that is; the effect that mergers and procurement have using a credit card creation to little and medium-sized organizations in a nation. Studies show that huge and complex associations that are made by mergers and acquisitions in the financial segment are less arranged contrasted with little organizations that are less unpredictable. The exploration further uncovers that a large portion of these borrowers in independent ventures are subject to banks for credit; in any case, they barely make it follow the new business improvements in the financial division. The explanation behind this advancement follows the way that the enormous money related establishments coming about because of mergers and securing in the banking are typically not keen on expanding advances and other credit offices that compensate close information on specific private venture (Haq 2005). This comes about on the grounds that there are a few diseconomies that emerge from the procedure of such credits, just as other money related items to independent company, yet in addition to medium-sized undertakings. The diseconomies that huge budgetary foundations face in propelling credit to private companies frequently emerges from a few elements, first, loaning to these organizations is unmistakably unique as far as their exercises, which requires the mergers and acquisitions to have various advancements and an uncommon loaning society that deals with these worries (Haq

Being a Leader Essay Example | Topics and Well Written Essays - 2500 words

Being a Leader - Essay Example In like manner, the paper additionally features different authority styles, which a pioneer may require to adjust in its procedure of initiative. In addition, it additionally features the social and inspirational viewpoints for an innovator in an association. The job of a pioneer is to acclimatize the aptitudes of the individuals in an association to accomplish the ideal outcomes and authoritative goals. It is additionally viewed as that a pioneer has the job of giving guidance to the workers in an association, go about as a mode of correspondence between the low-level administration and the top-level administration of an association. Additionally, a pioneer likewise needs to assume the job of a tutor for a gathering of representatives alongside giving information to them. Inspiration alongside giving support to the gathering of workers additionally falls under the job of a pioneer (Kashfi, 2007). Essentially, the obligations related with administration incorporate conveying the message from the top-level administration to the lower-level administration of an association and help in the smooth execution of hierarchical activities. A pioneer is likewise answerable for engaging gifted representatives alongside persuading them with a dream o f meeting the authoritative targets alongside their own prerequisites (Burton-Jones, n.d.). Relational abilities are seen as quintessential for a pioneer, which must be natural inside the individuals in this position. In addition, a pioneer should likewise have the information on arranging with respect to the assets in an association applying their foresightedness aptitudes. Information on controlling a gathering and its general execution is likewise an indispensable perspective for pioneers to get fruitful, where the foresightedness attributes end up being a prudence for them. A pioneer additionally should have the option to set the model for its gathering that would give them a comprehension with respect to the aptitudes

Coping With Chiclephobia, or the Fear of Chewing Gum

Coping With Chiclephobia, or the Fear of Chewing Gum Phobias Types Print Coping With Chiclephobia The Fear of Chewing Gum By Lisa Fritscher Lisa Fritscher is a freelance writer and editor with a deep interest in phobias and other mental health topics. Learn about our editorial policy Lisa Fritscher Medically reviewed by Medically reviewed by Steven Gans, MD on December 28, 2017 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Medical Review Board Steven Gans, MD Updated on August 13, 2019 Image Source / Getty Images More in Phobias Types Causes Symptoms and Diagnosis Treatment Chiclephobia, or the fear of chewing gum, is a rare specific phobia that manifests in a variety of ways. If youre a chiclephobic, youre likely to have a fear of: Actually chewing gum yourselfComing close to a person chewing gumThe sight of previously chewed gum Diagnosis Chiclephobia is a diagnosable anxiety disorder. As part of her initial assessment, your therapist will compare your symptoms against the criteria for an official specific phobia diagnosis as outlined in the most recent edition of the Diagnostic and Statistical Manual of Mental Disorders, published by the American Psychiatric Association. Symptoms of specific phobia include: Having a fear of a specific object or situation that is disproportionate to the actual riskBeing aware or unaware of your unreasonable phobic reactionExperiencing your symptoms for at least 6 months Causes A traumatic event during childhood is one of the reasons why you would develop chiclephobia. You could have experienced this traumatic gum incident yourself, or have seen it happen to someone else. You may have vividly remembered accidentally sticking a hand in gum that was stuck to the underside of a desk at school  or having a bubble pop all over your face. Alternatively, you may have seen your mother choke on a piece of gum. Or maybe bullies threw pieces of Bazooka Joe at you on Halloween. Fortunately, figuring out the traumatic event that causes your phobic reaction to chewing gum is not necessary for successful therapeutic treatment. Treatment The general threshold for seeking help from a mental health professional for a specific phobia is if your phobic reaction interferes with your work, personal life, or necessary daily tasks. During your initial visit, your therapist will ask you questions, written and/or oral, to figure out if you actually have chiclephobia or a different psychological condition, such as a fear of swallowing or choking (pseudodysphagia). Other diagnoses like obsessive-compulsive disorder, panic disorder with agoraphobia, and post-traumatic stress disorder can also mimic the symptoms of a specific phobiaâ€"a mental health professional can help tease the diagnosis out.   Cognitive behavioral therapy (CBT) interventions, especially exposure therapies, are clinically proven to be effective and are a common part of a specific phobia treatment plan. Exposure therapy means that your  therapist will gradually expose you to your fear in a relaxed atmosphere you control. It is important to understand that the ultimate goal of exposure therapy  is not to eliminate all of your anxiety. Rather, the goal is to reduce your stress and avoidance behaviors by having you confront the feared object or situation in a systematic, controlled manner. Depending on the severity of your case, its not unusual to meet your goals within one to three sessions. Medication is generally not used to treat a person with a specific phobia.

Personal Statement The Freshman Mentoring Program

When I entered high school, I knew I wanted to get involved. I was not sure what groups or clubs I wanted to join, I just knew I wanted to be involved with my community. I didn’t make much of an effort in the beginning years to truly engage myself in the various groups and clubs offered at my high school. I am not sure if I was intimidated, nervous about trying new things, or maybe even a little scared. I was upset with myself because I know I am not the person who sits back and lets things come to me. I realized I had to take the first step to figure out how and who I wanted to help. I was determined to get myself involved in my school, so I forced myself to go outside my comfort zone and be the leader I wanted to be. I applied to be a part of the freshman mentoring program and was accepted in both my junior and senior year; earning a spot on the mentor executive board my senior year. This program assists incoming freshman with the transition into the high school. Being the first person the freshman came into contact with, I knew I had to put myself in a leadership role and be a friend and mentor to these students, not just on the first few days of school, but throughout their first year. I also became involved with Class representatives and the football team. I was never a captain or a class officer, but this was not going to stop me from being a leader. As a class rep, I was able to be a voice for my class and help plan out our year. On and off the footballShow MoreRelatedMy Personal Statement : Bijay Shrestha1086 Words   |  5 PagesPersonal Statement – Bijay Shrestha Respected Sir/Madam, Thank you for your time to read my application. I believe that having read my personal statement, you will have a clear picture of my development, enthusiasm, and experiences in physics. Physics is a mathematical formulation and concepts that undeniably works. 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In the fall of 2010, the campus reached a new record enrollment of 32,586 students; Out of those, 3,930 were incoming freshman. A vast majority of freshmen and sophomores experience their first two years of college life spread out among the university grounds in dormitories or apartments. In order for many incoming students to attend, they must live on-campus unless theyRead MoreStatement of Purpose23848 Words   |  96 PagesPromoting1955 as a hallmark of liberal ar ts education writing Writing Guidelines Statements of Purpose From the OWU Writing Center in the Sagan Academic Resource Center The OWU Writing Center Corns 316 ââ€" ª (740-368-3925) ââ€" ª http://writing.owu.edu ââ€" ª open Monday-Friday, 9:00 a.m. to 5:00 p.m. Ohio Wesleyan University Writing Center  © 2011 Writing Guidelines for Statements of Purpose Contents Writing Your Statement of Purpose ..................................................................Read MoreSample Personal Statement4383 Words   |  18 PagesSample AADSAS Personal Statements Essay # 1 - Author Accepted for 2006 Entering Class As an undergraduate student at the University of New Mexico I have become increasingly aware of the complex network problems that I face as a citizen of the world. 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Students’ attitude (mean = 3.57) and Programs’ schedule (mean = 3.56) are interpreted as ‘Agree’. While teachers’ methodologies (mean = 3.33) is interpreted as ‘uncertain’. The person – related factors resulted as ‘significant’ to the level of performance of respondents. The performance of theRead MoreFemale Leadership Advantage and Disadvantag9375 Words   |  38 Pagesstatus as leaders can follow from contemplating journalists’ discussions of this topic. The most striking aspect of some recent statements in newspapers and magazines is that they are favorable to women’s abilities as leaders. Some journalists seem to be saying that women have arrived or are arriving at their rightful position as leaders. 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Parker - Core Competency Project Week 2 - 832 Words

In this project, I will describe a scenario in which I am developing within my own ministry to engage people in helping them think theologically. The Church today is suffering greatly because many people are not engaged in Scripture, practicing spiritual disciplines, or thinking theologically. I hope to create a pattern to correct that and give them the ability to not just learn a little each week from a sermon, but take everything that comes at them and learn from it, while giving them the ability to teach others as well. Examining three models found in this week’s reading, Aware-Engage-Apply (Grenz and Olson 129-130), Attending-Asserting-Acting (Christian Thinking) and Analysis-Reflection-Application (Umbel), each three-fold model had the same basic principle: intake of knowledge, processing that knowledge, and using that knowledge. In order for this to be effective, I will need to address each of the three legs so that everything remains balanced. First, the intake of knowledge (other models use awareness, analysis, or attending), must be biblical sound. If people are to think theologically, they must be taught theologically first, which means we must teach them to Word of God in its entirety, not just select Scriptures to back up our thought of the day. The second leg of thinking is the processing of that knowledge; once a believer receives knowledge, he or she must know how to process that information in light of God and the Scriptures. While everyone thinksShow MoreRelatedNike Innovation7976 Words   |  32 Pagesintegrating their knowledge into innovative approaches to improve athletic performance and connect with their customers through design and marketing. Our research on historical trends and processes within Nike indicates that the company’s core competencies are innovation and marketing; the underlying reasons the company is now the most recognized and coveted sports brand in the world. 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Given that the president’s intent is to change shoe styles frequently, how could innovation be fostered? Summary of facts  · Shoe Corporation of Illinois (SCI) produces a line of lower-priced women’s shoes.  · Average profit per pair of shoes has decreased from 10 years ago.  · The company has 2 factories

Health Care in the United States and Affordable Care Act Free Essays

C4C Haylie Stanat POL SCI 211 – T5 14 February 2013 Healthcare in the United States Michael Tennant, a software developer and writer, questions why we should have the Patient Protection and Affordable Care Act. â€Å"From page 1 to page 906, ObamaCare is chock full of expensive, intrusive, and downright scary programs such as these. The law gives the federal and state governments virtually unlimited power to interfere in Americans’ lives, even within the confines of our own homes† (Tennant). We will write a custom essay sample on Health Care in the United States and Affordable Care Act or any similar topic only for you Order Now This act is often referred to as â€Å"Obamacare. The idea of this act first came up during the Clinton administration. They tried to develop a healthcare system just like â€Å"Obamacare† but it never went through. The system is similar and based off of what is happening in Europe, where the government controls the medical care system. Why did they want to start this? The Clinton administration believed too many people were not receiving adequate medical care and coverage. They wanted everyone to have healthcare regardless of their financial means. The socialized healthcare system has been said to intrude on the population’s right to make decisions for what their life requires and also be very costly to the people and the United States as a whole, and Tennant wants to do away with everything regarding â€Å"Obamacare†. Tennant points out that this act allows â€Å"the US government to expand its reach into the lives of its citizens. † Some of the provisions of the act allow the government home visitations by government agents, possibly including forced immunizations, and â€Å"Community Transformation Grants†. These grants are â€Å"designed to alter Americans’ lifestyles to conform to the whims of bureaucrats in Washington† (Tennant). This act seems like to Tennant, and many other advocates against Patient Protection and Affordable Care Act, another way for the government to intrude on the freedom of its population. Others, like Matt Welch, the editor in chief of Reason magazine, argue there are many benefits that come from this act. He points out that France has a socialized health care system and it makes treatment less expensive and more accessible. The point being made is that the system only helps in areas of service and quality. There is no intrusion on the lives of its citizens, only trying to benefit their lives. Edmund F. Haislmaier also points out that when coverage that is basic, people with special needs have to work harder to make a plan that specifically fits them. Haislmaier states, â€Å"The effects will be one-size-fitsall coverage—so that patients are not â€Å"confused† by having choices—and elimination of employers’ freedom to design their own self-insured plans. When â€Å"confused† is used, it makes one believe that the government thinks we are incapable of helping ourselves and making the right decisions for our own lives. Like Tennant says, â€Å"It destroys individual self-reliance and, through a variety of provisions such as school-based health clinics and home visitation programs, the family unit. These are the foundations of the American Republic; without them the Uni ted States will become a society of helpless, dependent sheep with neither the desire nor the will to resist the state’s relentless encroachments on our liberties. Also, if Congress expands what benefits are essential and required to be given, the more Congress will make insurers, employers, and patients pay more for these essential services provided. This brings us to our next topic: the cost Obamacare will have on the Nation’s citizens. Those for â€Å"Obamacare† say that socialized healthcare has many benefits, and these benefits are better than the standards we have in the United States today. For example, Welch says, â€Å"ObamaCare opponents often warn that a new system will lead to long waiting times, mountains of paperwork, and less choice among doctors. Yet on all three of those counts the French system is significantly better, not worse, than what the U. S. has now. † The side that opposes also raises awareness to another flaw in the single-payer health care program. Some drugs that are life-saving are withheld from patients in countries with this health care system because these drugs are deemed â€Å"too costly. † When these people try to acquire these drugs outside the system, the government will go as far as to take their coverage away. Governments with this system are willing to do many things that affect the lives of their citizens to keep costs down. The system is also affecting businesses, small and large. Businesses with more than 50 full-time workers will be required to give their employees coverage. Most small businesses are supposed to benefit from this act. Sy Mukherjee states, â€Å"Studies have shown that Obamacare’s employer mandates will actually lower health spending for small businesses and only modestly increase large companies’ health care costs, all while substantially helping low-wage and working Americans receive the affordable health coverage they need. With this act, many more people will be covered, with little increase of cost to larger to businesses, and many more small businesses will have to spend less on healthcare. Throughout his article, Tennant, being biased against the Patient Protection and Affordable Care Act, does not think that the problems can be fixed with provisions. Michael Tennant believes the act should be completely repealed by Congress and he believes they violate one of gov ernment’s key values, freedom. He suggests the act needs to also be nulled by each state; this is the only way to help the United States’ healthcare system. These problems cannot be fixed merely by modifying a clause here and a proviso there. ObamaCare needs to be repealed in full before it can metastasize into a full-blown single-payer system. State-by-state nullification should also be undertaken. Then we can work on dismantling the rest of the federal healthcare behemoth. These are the only cures for what ails the American healthcare system†(Tennant). In other words, Tennant does not believe anything beneficial has come from this act. It should be completely abolished, not just fixed, because according to him, these problems in the act cannot be fixed by minor adjustments. Republicans have already tried to repeal this act, 33 times as of July 11, 2012. They keeping trying to pass bills of repeal through the House of Representatives but the Democratic-dominant Senate would not do the same. If the Republicans can get a bill to be approved by the Senate, they have a chance to make a difference. Of course the bill will go to the President, who will most likely veto since it was his main idea last election, but then it will go back through Congress. If the bill can be approved once again, they can over-ride the President’s veto and repeal the act. The question is: Should the United States reap the benefits of a socialized healthcare system the Patient Protection and Affordable Care Act provides, or should she keep the values of the Founding Fathers and not let the government control every aspect of our lives? The Constitution gives the power to the government to promote general welfare. Then again, right after that the Constitution also secures â€Å"the Blessings of Liberty to ourselves and our posterity. † As Janda says, â€Å"in other words, the government exists to promote order and freedom†(55). Is the government not trying to promote order to the healthcare system we previously had, but at the same time controlling our lives and limiting the decisions we can make? The Founding Fathers relied on four principles to create the Constitution, one of these was Republicanism. According to The Challenge of Democracy, â€Å"Republicanism is a form of government in which power resides on the people†¦ † (Janda 56). The federal form of government should strong enough to maintain order but not strong enough to completely control the states or the Nation’s citizen’s freedoms. Works Cited Haislmaier, Edmund F. The Case Against Obamacare A Health Care Policy Series for the 112th Congress. † WebMemo. The Heritage Foundation, 20 Jan. 2011. Web. 12 Feb. 2013. Janda, Kenneth, Jeffrey M. Berry, Jerry Goldman, and Kevin W. Hula. The Challenge of Democracy. Third ed. Boston: Houghton Mifflin, 2004. Print. Mukherjee, Sy. â€Å"Five Ways Obamacare Will Help American s Now That The Election Is Over. † Think Progress. Center for American Progress Action Fund, 7 Nov. 2012. Web. 12 Feb. 2013. Tennant, Michael. â€Å"Health Care Reform Law Expands Government Control. † Health Care. Ed. David M. Haugen. Detroit: Greenhaven Press, 2012. Opposing Viewpoints. Rpt. from â€Å"The New World of ObamaCare. † New American 26. 16 (16 Aug. 2010). Gale Opposing Viewpoints In Context. Web. 13 Feb. 2013. Welch, Matt. â€Å"Socialized Medicine Offers Many Advantages. † Is Socialism Harmful? Ed. Ronald D. Lankford, Jr. Detroit: Greenhaven Press, 2011. At Issue. Rpt. from â€Å"Why I Prefer French Health Care. † Reason (Jan. 2010). Gale Opposing Viewpoints In Context. Web. 13 Feb. 2013. Documentation I took my paper down to the writing center and received feedback such as not to start or end a paragraph with a quote, and to fix one sentence to be unbiased. How to cite Health Care in the United States and Affordable Care Act, Papers

Tamburlaine The Great Essay Assignment Example For Students

Tamburlaine The Great Essay Assignment A monologue from the play by Christopher Marlowe NOTE: This monologue is reprinted from Masterpieces of the English Drama. Ed. William Lyon Phelps. New York: American Book Company, 1912. TAMBURLAINE: Now clear the triple region of the air, And let the Majesty of Heaven behold Their scourge and terror tread on emperors. Smile, stars that reignd at my nativity, And dim the brightness of your neighbour lamps, Disdain to borrow light of Cynthia! For I, chiefest lamp of all the earth, First rising in the east with mild aspect, But fixed now in the meridian line, Will send up fire to your turning spheres, And cause the sun to borrow light of you. My sword struck fire from his coat of steel, Even in Bithynia, when I took his Turk; As when a fiery exhalation, Wrapt in the bowels, of a freezing cloud, Fighting for passage, make the welkin crack, And casts a flash of lightning to the earth: But, ere I march to wealthy Persia, Or leave Damascus and th Egyptian fields, As was the fame of Cylmenes brain-sick son That almost brent the axle-tree of heaven, So shall our swords, our lances, and our shot Fill all the air with fiery meteors; Then, when the sky shall wax as red as blood, It shall be said I made it red myself, To make me think of naught but blood and war. We will write a custom essay on Tamburlaine The Great Assignment specifically for you for only $16.38 $13.9/page Order now