7 Things You Didnt Know Could Impact Your Credit

7 Things You Didnt Know Could Impact Your Credit 7 Things You Didnt Know Could Impact Your  Credit 7 Things You Didnt Know Could Impact Your  CreditCredit scores are sort of mysterious, aren’t they? It’s tough to be sure what gives you good credit, what gives you bad credit, and what exactly the difference is.First of all, let’s establish what it means to have good credit: it’s any FICO credit score above 680. Bad credit is any credit score below 550. The worse your credit, the worse rates you’ll be looking at for any kind of loan, and the fewer lenders will be willing to offer you a loan at all.You probably know that failing to pay your bill on time is a big no-no when it comes to keeping a good credit score, but there are multiple factors you might have not even considered. Here are some of those factors!Cosigning on a loan.You’re a responsible person and a good friend. Someone you know is having trouble qualifying for a loan and needs you to sign on with them. It’s just a signature, right?Wrong! You’re leaving your credit future in their hands. As nationally rec ognized credit expert Jeanne Kelly (@creditscoop) told us:“Many people do not understand that the loan they just cosigned is just as much their responsibility as the other person they signed for. The loan and payment history goes on both of their credit reports. If the other person pays late, it will get reported on both their reports. If the other person lets the loan go into default, the cosigner is responsible for the balance. I wish lenders stopped using the word ‘cosign,’ as for some reason people do not realize the full impact. I wish they would just call it a joint loan.”Closing old credit cards.You know acting irresponsibly with your credit cards will mess up your credit score. But some behavior that seems responsible may actually hurt your credit.Per certified financial educator Maggie Germano (@MaggieGermano): “There are many things that can negatively impact your credit score, and some of them arent what youd expect. For example, closing your old credit cards ca n hurt your credit score, because it shortens your credit history. So if you have old cards that you dont really use anymore, keep them open. Another thing that can hurt your credit score is if something is sent to collections. Is there an old electric bill you never paid? Perhaps a medical bill that you couldnt afford? Track those bills down! Pay them off before they go to collections and get reported on your credit report.”A hard credit check.Most legitimate lenders will want to perform a credit check before determining if they’ll lend to you. That’s because your credit score is seen as an indication of your likelihood to pay back the loan you take out. But not every credit check is equal! There are both soft and hard credit checks.Trent Hamm of The Simple Dollar (@thesimpledollar) wrote an article explaining the difference. As Hamm says, hard credit checks are “ones where you’ve granted permission, they indicate that you’re actively seeking credit, they show up on you r credit report for everyone to see, and they tend to have a slight negative impact on your credit score.”“A soft credit check, on the other hand, doesn’t require your permission, doesn’t indicate anything about your interest in seeking credit, only shows up on the credit report you see, and has no impact on your credit score,” Hamm explains.If you need a “bad credit loan” from a lender who will consider you even if you have less than ideal credit, it’s better to apply to lenders who perform a soft credit check, so that your credit score isn’t harmed further. And it’s much better to consider a lender who performs a soft credit check than no credit check at all, as that can be a red flag that they don’t expect you to be able to pay back the loan and might be trying to trap you into a cycle of debt.Receiving a “charge-off.”You know missing payments is bad, but you may not have realized how bad it can get. Miss too many credit card payments and the credit card company will decide you aren’t likely to ever make those payments. That’s when they hit you with a charge-off.How does that work? According to LaToya Irby (@latoyairby) in an article she wrote for The Balance (@thebalance): “Once your account is charged-off, you will no longer be able to make purchases with the account. However, you still owe the charged-off balance.“The creditor will report a charged-off account status to the credit bureaus. This status will remain on your credit report for seven years from the date you first went delinquent. In the future, when creditors and lenders pull your credit report, theyll see you once were late enough to have a charge-off.”Irby goes on to explain how this impacts your score: “Your credit score will drop after a charge-off. Payment history weighs heavily in the calculation of your credit score. An unpaid charge-off will affect your credit score more when it first happens. As time passes, your credit score can improve if no ad ditional negative entries are placed in your credit report.”Missing a payment is bad for your credit score, but missing multiple payments should be avoided at (nearly) all costs.Having a high credit balance.Last time we wrote about managing your credit score, we asked author and debt expert Gerri Detweiler (@gerridetweiler) for advice. She told us about the importance of having a good credit balance.It’s not enough to just pay your credit card bill each month. According to Detweiler, you want to make sure you keep your balance at around 20-25% of your credit limit.She also warned that most issuers report balances before your payment is received, so even if you’re paying your bill back in full, you’ll still want to keep that balance from getting too high or risk negatively impacting your credit score.Not having a credit balance at all.Alright, so if racking up too many charges on your credit card can hurt your score, wouldn’t it be better not to have a credit card at all?No pe! That’s also bad for your credit. In a Forbes (@Forbes) article presented by Rent.com (@RentDotCom), the authors caution against having too few kinds of credit: “having just a single type of credit can decrease your score. That means even if youre building credit by paying student loans or in some other way, a credit card can still help you make your credit history more diverse.”If you don’t think you’ll be able to qualify for a credit card, you can consider a secured credit card. A secured credit card requires you to put down some money as collateral, but it will allow you to start building up your credit score so you can qualify for a regular credit card one day, should you choose to do so.Paying for a rental car with a debit card.That same Forbes article offers another quirky way you can hurt your credit score. Apparently “For some car rental companies, when customers use a debit card it causes them to order a hard inquiry on their credit.” That’s why they advi se you “Pay with a credit card or check the rental application to keep this from happening.”It’s hard enough just paying your bills on time without worrying about the sneaky ways you can hurt your credit score without even realizing it. You can learn more about credit in our eBook Credit Workbook: The OppLoans Guide to Understanding Your Credit, Credit Report and Credit Score. Hopefully, we’ve helped you to remain ever vigilant and get that score moving in the right direction. Up!Visit OppLoans on YouTube | Facebook | Twitter | LinkedINContributorsMaggie Germano  (@MaggieGermano) is a Certified Financial Education Instructor and financial coach for women. Her mission is to give women the support and tools that they need to take control of their money, break the taboo of discussing debt and income, and achieve their goals and dreams. She does this through one-on-one financial coaching, monthly Money Circle gatherings, her weekly  Money Monday newsletter, and speaking engageme nts. To learn more, or to schedule a free discovery call, visit maggiegermano.com.Jeanne Kelly (@creditscoop)  After being turned down for a mortgage 15 years ago, Jeanne Kelly realized she needed to get her credit in order. Not only was she able to fix her bad credit, but she took the skills and knowledge she gained and decided to share it with the world. Now she’s a nationally regarded credit coach and expert, with multiple books and television appearances. Follow her on Twitter and check out her site to get the credit help you need!

Supply Chain And Logistics Management Of Fashion Related...

Executive Summary: The following article will mainly focus on aspects of supply chain and logistics management of fashion related Retailer Company named Zara, which is expected to boost the value of customers, and sustainability concept is considered to be added benefit to the Zara Company. The advantage is mainly because of Zara company’s designing models that are related with business and they are compared with benefits and disadvantages with other companies which have seen success and also highlight on companies that are not successful. The business related strategies and management of supply chain operations are compared between Zara Company and with other companies like Dell and Myers. The difference in strategies and success is compared between Zara and Dell and also Myers with Zara. Introduction: The world has become fascinated towards the fashion. The first thing need to be considered is Fashion; it can be behavior, implementing new ideas on clothing’s, hairstyle, decorations and so on which are automatically linked to our day to day activities. In today’s context, fast fashion has become a trend to a fashion industry patterns yet delivered utilizing less costly materials to guarantee a low cost tag. Many companies have been successful and unsuccessful to earn a trust from their customer. For the matter of success level it depends on how innovativeness they are and also applies the principle of supply chain and logistic management activities for the growth of theirShow MoreRelatedSupply Chain And Logistics Management Of Fashion Related Retailer Company2360 Words   |  10 Pagesaspects of supply chain and logistics management of fashion related Retailer Company named Zara which is expected to boost the value of customers and sustainability concept is considere d to be added benefit to the Zara Company. The advantage is mainly because of Zara company’s designing models that are related with business and they are compared with benefits and disadvantages with other companies which have seen success and also highlight on companies that are not successful. The business related strategiesRead MoreCase study: ASOS and Topshop1547 Words   |  7 Pagesfor supply chains of ASOS and Topshop Word counts: 1273 11th March 2013 Table of Contents 1.0 Introduction†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦3 2.0 Overview and Demographics 2.1 ASOS †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦4 2.2 Topshop †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦4 3.0 Supply Chain 3.1 Supply Chain of ASOS †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 5 3.2 Supply Chain of Topshop †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 7 4.0 Conclusion †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦9 5.0 Bibliography †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..10 1.0 Introduction ‘Fashion industryRead MoreThe Supply Chain Management And Logistics Of Fashion Retailer Essay2114 Words   |  9 PagesThis report aims to study the supply chain management and logistics of fashion retailer, Zara, to boost customer value. The concept of sustainability and competitive advantage is considered with other business models and compared with successful and unsuccessful company. The study is compared with the supply chain management and business strategies of Zara with Dell and Zara with Myers. Introduction Zara was founded and established 1975 by Spanish born Amancio Ortega Gaona. The actual store dealtRead MoreAbercrombie Fitch Co. Essay939 Words   |  4 PagesAbercrombie Fitch Co. (AF) is a fashion retailer that sells casual apparel, personal care products, and accessories to customers across North America, Europe, and Asia. The financial and the consulting industry in the tertiary sector of the economy generate revenue through providing services, knowledge, and skills. Unlike these industries, AF is a retailer that generates revenue through selling its products. AF has two subsidiaries brand, Hollister Co. and Abercrombie Kids, which operate notRead MoreComparison of Zara and Mango stores Log Essay3440 Words   |  14 PagesZara and Mango stores Logistics operations Logistics operations M31EKM Presented by; Farhan Ahmad Student ID 4847234 Table of contents 1. Executive summary 2. Introduction 3. Mango stores 4. Zara stores 5. Comparison of logistics operations between Mango and Zara. 5.1 Inbound and outbound transportation. 5.1.1 Transport mode strategies 5.1.2 Outsourcing of logistics operations 5.1.3 3PL companies 5.2 Warehousing 5.3 Inventory management strategies 5.4 CommunicationRead MoreSupply Chain Management And Distribution1520 Words   |  7 PagesSupply chain is a network of facilities and distribution options that performs the functions of procurement of materials, transformation of these materials in to intermediate and finished products and distribution of these products to the customers. Supply chain Management (SCM) is the management of flow of information, products and services across a network of customers, organization and supply chain enterprises. It incorporates the development and capacity of raw materials, work-in-progress ofRead MoreThe Supply Chain Management And Logistics Of Fashion Retailer2264 Words   |  10 Pages Executive Summary This report aims to study the supply chain management and logistics of fashion retailer, Zara, to boost customer value. The concept of sustainability and competitive advantage is considered with other business models and compared with successful and unsuccessful company. The study is compared with the supply chain management and business strategies of Zara with Dell and Zara with Myers. Introduction Zara was founded and established 1975 by Spanish born Amancio Ortega Gaona.Read MoreLearning from the Fashion Industry: a Structured Literature Review39302 Words   |  158 PagesCRANFIELD UNIVERSITY ELEFTHERIA DIMITRAKOU LEARNING FROM THE FASHION INDUSTRY: A STRUCTURED LITERATURE REVIEW CRANFIELD CENTRE FOR LOGISTICS SUPPLY CHAIN MANAGEMENT MSc THESIS CRANFIELD UNIVERSITY CRANFIELD SCHOOL OF MANAGEMENT CRANFIELD CENTRE FOR LOGISTICS SUPPLY CHAIN MANAGEMENT MSc THESIS Academic Year 2006-2007 ELEFTHERIA DIMITRAKOU Learning from the Fashion Industry: A Structured Literature Review Supervisor: Dr. Chris Morgan August 2007 This thesis isRead MoreMarketing Channels And Logistics Of Zara2858 Words   |  12 PagesIntroduction: â€Å"Logistics is the process of strategically managing the procurement, movement and storage of materials, parts and finished inventory (and the related information flows) through the organisation and its marketing channels in such a way that current and future profitability are maximised through the cost-effective fulfilment of orders.† (Christopher, 2011) This coursework describes about Marketing channels and Logistics. It focuses on Zara, an organization with an international profileRead MoreA Supplier Selection, Evaluation and Re-Evaluation Model for Textile Retail Organizations5854 Words   |  24 Pages the factors related to system performance of the certified suppliers determined in the second phase of the model are identified and their relative importance values are suggested. The model utilizes Analytic Hierarchy Process (AHP) and Analytic Network Process (ANP) as decision-making tools. Both model and the weights of the factors determined present a valuable insight on supply processes of a wide range of textile products supplying departments of all retail chain companies. Key Words: Supplier Supply Chain And Logistics Management Of Fashion Related... Executive Summary: The following article will mainly focus on aspects of supply chain and logistics management of fashion related Retailer Company named Zara which is expected to boost the value of customers and sustainability concept is considered to be added benefit to the Zara Company. The advantage is mainly because of Zara company’s designing models that are related with business and they are compared with benefits and disadvantages with other companies which have seen success and also highlight on companies that are not successful. The business related strategies and management of supply chain operations are compared between Zara Company and with other companies like Dell and Myers. The difference in strategies and success is compared between Zara and Dell and also Myers with Zara. Introduction: Zara was first came into existence and well established in the year 1975 and it is under the control of Spanish owner Amanico Ortega Gaona. Firstly the store which is local based manufacturing company was dealing with Zara products which include outlets especially for orders which are cancelled related to lingerie and women wear. These relationships slowly lead to develop into strong relationship between retailer and producer of the products (Ferdows et al, 2003). The Company Zara was in collaboration with parent company called Inditex, both these companies mainly focused on customer demand and supply products as per needs of customers and able to establish supply chainShow MoreRelatedSupply Chain And Logistics Management Of Fashion Related Retailer Company2248 Words   |  9 Pagesof supply chain and logistics management of fashion related Retailer Company named Zara, which is expected to boost the value of customers, and sustainability concept is considered to be added benefit to the Zara Company. The advantage is mainly because of Zara company’s designing models that are related with business and they are compared with benefits and disadvantages with other companies which have seen success and also highlight on companies that are not successful. The business related strategiesRead MoreCase study: ASOS and Topshop1547 Words   |  7 Pagesfor supply chains of ASOS and Topshop Word counts: 1273 11th March 2013 Table of Contents 1.0 Introduction†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦3 2.0 Overview and Demographics 2.1 ASOS †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦4 2.2 Topshop †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦4 3.0 Supply Chain 3.1 Supply Chain of ASOS †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 5 3.2 Supply Chain of Topshop †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 7 4.0 Conclusion †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦9 5.0 Bibliography †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..10 1.0 Introduction ‘Fashion industryRead MoreThe Supply Chain Management And Logistics Of Fashion Retailer Essay2114 Words   |  9 PagesThis report aims to study the supply chain management and logistics of fashion retailer, Zara, to boost customer value. The concept of sustainability and competitive advantage is considered with other business models and compared with successful and unsuccessful company. The study is compared with the supply chain management and business strategies of Zara with Dell and Zara with Myers. Introduction Zara was founded and established 1975 by Spanish born Amancio Ortega Gaona. The actual store dealtRead MoreAbercrombie Fitch Co. Essay939 Words   |  4 PagesAbercrombie Fitch Co. (AF) is a fashion retailer that sells casual apparel, personal care products, and accessories to customers across North America, Europe, and Asia. The financial and the consulting industry in the tertiary sector of the economy generate revenue through providing services, knowledge, and skills. Unlike these industries, AF is a retailer that generates revenue through selling its products. AF has two subsidiaries brand, Hollister Co. and Abercrombie Kids, which operate notRead MoreComparison of Zara and Mango stores Log Essay3440 Words   |  14 PagesZara and Mango stores Logistics operations Logistics operations M31EKM Presented by; Farhan Ahmad Student ID 4847234 Table of contents 1. Executive summary 2. Introduction 3. Mango stores 4. Zara stores 5. Comparison of logistics operations between Mango and Zara. 5.1 Inbound and outbound transportation. 5.1.1 Transport mode strategies 5.1.2 Outsourcing of logistics operations 5.1.3 3PL companies 5.2 Warehousing 5.3 Inventory management strategies 5.4 CommunicationRead MoreSupply Chain Management And Distribution1520 Words   |  7 PagesSupply chain is a network of facilities and distribution options that performs the functions of procurement of materials, transformation of these materials in to intermediate and finished products and distribution of these products to the customers. Supply chain Management (SCM) is the management of flow of information, products and services across a network of customers, organization and supply chain enterprises. It incorporates the development and capacity of raw materials, work-in-progress ofRead MoreThe Supply Chain Management And Logistics Of Fashion Retailer2264 Words   |  10 Pages Executive Summary This report aims to study the supply chain management and logistics of fashion retailer, Zara, to boost customer value. The concept of sustainability and competitive advantage is considered with other business models and compared with successful and unsuccessful company. The study is compared with the supply chain management and business strategies of Zara with Dell and Zara with Myers. Introduction Zara was founded and established 1975 by Spanish born Amancio Ortega Gaona.Read MoreLearning from the Fashion Industry: a Structured Literature Review39302 Words   |  158 PagesCRANFIELD UNIVERSITY ELEFTHERIA DIMITRAKOU LEARNING FROM THE FASHION INDUSTRY: A STRUCTURED LITERATURE REVIEW CRANFIELD CENTRE FOR LOGISTICS SUPPLY CHAIN MANAGEMENT MSc THESIS CRANFIELD UNIVERSITY CRANFIELD SCHOOL OF MANAGEMENT CRANFIELD CENTRE FOR LOGISTICS SUPPLY CHAIN MANAGEMENT MSc THESIS Academic Year 2006-2007 ELEFTHERIA DIMITRAKOU Learning from the Fashion Industry: A Structured Literature Review Supervisor: Dr. Chris Morgan August 2007 This thesis isRead MoreMarketing Channels And Logistics Of Zara2858 Words   |  12 PagesIntroduction: â€Å"Logistics is the process of strategically managing the procurement, movement and storage of materials, parts and finished inventory (and the related information flows) through the organisation and its marketing channels in such a way that current and future profitability are maximised through the cost-effective fulfilment of orders.† (Christopher, 2011) This coursework describes about Marketing channels and Logistics. It focuses on Zara, an organization with an international profileRead MoreA Supplier Selection, Evaluation and Re-Evaluation Model for Textile Retail Organizations5854 Words   |  24 Pages the factors related to system performance of the certified suppliers determined in the second phase of the model are identified and their relative importance values are suggested. The model utilizes Analytic Hierarchy Process (AHP) and Analytic Network Process (ANP) as decision-making tools. Both model and the weights of the factors determined present a valuable insight on supply processes of a wide range of textile products supplying departments of all retail chain companies. Key Words: Supplier

Liberal Compromise And The Golden Age - 2581 Words

The golden age of capitalism was the period after WWII which saw a post-war economic expansion. During this period, there was a rise in real wages, and high levels of employment. In this essay we will discuss the embedded liberal compromise that took place, and attempt to identify significant features that allowed for the golden age to take place. In the later parts of this essay, the reasons as to why the embedded liberal compromise and the golden age ended will be discussed. One of the main reasons that led to the embedded liberal compromise was the global balance of power after WWII. The USA was by far the strongest country in terms of military ability and economic capacity following WWII. The theory of hegemonic stability argues†¦show more content†¦This relates to embedded liberalism as the Marshall plan could be seen as feature of as it relates to states accepting preconditions from the USA that represent the key principals of embedded liberalism. More of this will be discussed on this the the later parts of this essay. The neoliberal theory on hegemonic stability takes on a different factor as to neorealism, public goods. waltzIn a global market, the provision of public goods will be the responsibility of the hegemon. This is because when power is evenly distributed between states, the incentive to produce public goods is diminished. Free-riding diminishes this incentive as states are unlikely to bear the costs of these public goods. Public goods in this context could be seen as a well organised international system of free trade or possibly the provision of financial aid in the time of crisis. Both of these being features of embedded liberalism. These goods will be provided by the hegemon because the size of the hegemon ensures that benefits provided by the free goods outweighs the costs. Although Waltz theory is the more popular of the two theories of hegemonic stability, Ruggie believes this does not explain enough. He believes that the structure of the internationalisation of political authority is not just dependant on power, but also on social

Photography Research Paper Free Essays

Section I A. Write the names of all the photography and photography-related careers that you are aware of. – Wedding photography, Under-water photography, Sports photography, General photo careers. We will write a custom essay sample on Photography Research Paper or any similar topic only for you Order Now B. Then do a preliminary research and write the names of at least 5 more photography-related careers. Commercial photography Portrait and family photography Pet, Animal and wildlife photography Police, Law enforcement and criminal forensic imaging photography Aerial photography C. Next, pick three of these careers and write three questions you have about each. Portrait and family photography- What makes a great family photo? What composition techniques are most important when considering family photo’s. Is Family photography a good paying job? is it popular? Underwater Photography- What equipment is recomended for use underwater. What is your favorite object to take pictures of under-water. What challenges are presented when taking photos under-water. Aerial Photography- How do you take pictures from an aerial view? what methods are used to get higher up? What makes for a good subject from an aerial view? How much money would an aerial photographer make normally? Section II A. Marine Photographer: This job entails taking pictures under water. This job includes taking pictures underwater using either SCUBA or un-maned rovers with camera’s. -Education and training requirements would include being SCUBA certified or certified to do whatever kind of diving needed to take the pictures. -The salary for a marine photographer in California is between 40, and 50,000$ -As an underwater photographer y ou are taking pictures of marine life for either research and survey purposes or simply to capture the beauty found in the ocean. Aerial Photographer: Taking photos from top views such as pictures from an airplane looking down. Training for this job includes a Four year degree, you must specialize in photography, Flight training is required as well as on-the-job sky photography training. -Salary for this type of photographer ranges from 50,000 – 200,000. -As an aerial photographer you may spend your time personally contracting your work or taking pictures for a specific company. These photos may be used for Survey purposes or they may be per-request by a single person. This would be a difficult job to get into as it requires much training and experience. Portrait and family photography: These photographers take pictures of people, families, places, or events. photographers require a good eye for a picture and have excellent technical and photographic skills. They must have go od communication and people skills. Photographers must be good with computer programs such as photoshop and be commercially aware and good at marketing themselves. -Salaries for family photographers range between 12,000 and 50,000 a year or more. -These photographers may fall under a specialized type of photography focusing on family photographery or they may be general photographers taking a wide aray of pictures including portrait and family photography. B. Marine Photographer: response from Robert Bailey Hi there, thanks for the kind words happy to help. How long have you been into photography? Since 1990, I’ve always been interested in photography since the age of 10 and when I took up diving there was no question that I would be taking a camera in the water to bring back the amazing scenes and show people my discoveries. How did you get your start in photography? As a youngster I always had the idea I would like to draw and was complete crap! I picked up a camera one day and realized I could express my artistic self through a camera. I’ve never looked back. I remember the first time someone referred to me as an artist as being very significant. What are your key interests within the business? Although I am not a professional my work has been published, and I have worked intermittantly on professional projects on land and underwater. I associate with a quite a few professionals. I am always interested to see what sells in the market. You’d be surprised by what sells, opposed to what people like to hang on their walls. Pricing yourself in the market is important. Many pros complain people give their images away and devalue the market. I am always interested in what companies are willing to pay for. I often consult with professionals before I sell images to magazines. Where do you do most of your work? The majority of my work is done in UK waters. I live and work in the UK so it makes sense to take advantage of all the area has to offer. I do work overseas periodically, but I prefer cooler climates. One goal I have is to dive under sea ice in the Arctic, or Antarctic. What do you enjoy most about this type of photography? Being underwater is like no other environment, there’s no distraction with mobile phones, and people talking. I like the challenge of being able to dive in harsh environments and show people the beauty, especially in the UK, as many feel it’s often dark and gloomy and there’s no colour. What is the most important thing to remember to get a good image? The single most important element in getting a good underwater picture is to get close to your subject, generally a maximum of three feet for most subjects, sometimes inches away. It depends on the size of the subject you are shooting. Obviously a 30 foot basking shark is different than a one inch shrimp. The other thing is all about understanding light, whether you are using artificial light,, or natural light, or balancing the two. The next thing to consider is the background and whether the subject is accessible or not. We try very hard as underwater photographers to not damage the environment for the sake of a picture. What is your favorite photograph of your own and why? I don’t have one particular favourite. This changes all the time as the obsession to keep creating new material. I like the close up pictures of Lemon sharks I have done in black and white. There are so many others, hard to say really. Some the ones which has won national competitions are no longer my favourites as I think I can do better now. What types of equipment would you recommend for use under-water? My wife shoots with a Canon S95 and a simple housing, and make great pictures. I use a Nikon D300, Inon Z240 Strobes, and a variety of lenses. My my most used lenses are the Nikkor 60 mm macro for close up and small subjects. For wide angle work I use a Tokina 10-17mm. I’d like to stress good pictures are not about the equipment, it’s all about the photographer. People often look at a good image and say you must have a good camera. This isn’t the case. The camera is a the tool, the photogapher is the craftsman. You don’t have to spend a lot of money to get good pictures. You have to invest the time, understand the local conditions, and know your subject. What is your favorite object to take pictures of under water? There are too many to list. I like sharks, shrimps, seals, sea slugs, fish, divers, wrecks when the visibility permits. What challenges are presented when taking photo’s under-water? First of all, we aren’t designed to be underwater. We are land creatures. So the first challenge is you need to be a skilled diver. All your equipment, bouyancy control in the water, air management needs to be spot on, otherwise you will never make a good image. Then there’s the currents, tide, visibility, the cold, and the weather. Then there’s the subject, most of which are always moving, and hardly ever where you want them, when you want them. I can honestly say making pictures underwater is probably more challenging than any other environment. I think this is why I am so obsessive about doing it, it’s not easy. I really hope this helps you. Am happy to discuss further after work of course. If you need some images I will help you out. Don’t hesitate to call me. Regards, RB How I Found Robert Bailey: I found Robert Bailey on â€Å"UnderwaterPhotography. com† C. Underwater photography as a career in photography seems like the most interesting choice. I am currently a diver and find I am most comfortable while in the water. The best thing about capturing an image of a diver in clear water is the fact that it looks as though the diver is flying. This is an unnatural environment for humans and can be dangerous and to be able to capture the beauty in it is amazing. Bibliography URL (www. robertbaileyphotography. com). Robert Bailey, 11-27-12 Bailey, Robert. Underwater photographer. 11-27-12 How to cite Photography Research Paper, Essays

Multinational Corporate Finance

Multinational Corporation (MNC) is a business institution which operates it business activities (selling good o services) in more than one country. Therefore, a multinational corporation plays an important role in globalization. Operations of multinational corporations are stimulated by economical and political factors (Ross, Westerfield, Jordan, 2008).Advertising We will write a custom essay sample on Multinational Corporate Finance specifically for you for only $16.05 $11/page Learn More Therefore, multinational corporations involve high risks at both domestic and international levels. These issues faced by MNCs at domestic and global levels involve globalization strategies, exchange rate, international market, and taxation policies etc. The aim of this document is to study these issues faced by MCNs. International companies involve higher rate of risks and benefits. Therefore, the document shall also discuss differences between risks and benefits tha t MNC faces. Exchange Rate Multinational companies operate in different regions of the world. Their branches located in different regions face variations in the currency exchange rate. The fluctuation in the currency rate is one of the major challenges a multinational corporation faces. Foreign exchange risk involves unanticipated changes in the exchange rate between different currencies. Therefore, multinational corporations carefully analyze risks involved in the exchange rate (Chong, 2004). If the company’s home office is situated in the US, and the other branch is in Japan, and if the US dollar rate falls as compared to the Japanese yen, the anticipated profit will proportionately fall. One of the major exchange rate risks involves the transaction exposure. Every multinational company has contractual cash flows. These involve receivables and payables of the company. The unexpected change in the exchange rates may affect the actual value of the contractual cash flow. The c ontraction in the domestic value of the currency may affect the foreign denominated cash flows of the company (Chong, 2004). The fluctuation in the domestic and foreign currencies influences the actual cash flow of the company. Operating Exposure The degree of change in the market value based on the economical market conditions and presence of competitors is known as operating exposure of exchange rate. This is one of the risks that a multinational company encounters (Ross, Westerfield, Jordan, 2008). This involves changes in the market position, share value, etc. Operational exposure affects the present and future values of the cash flow. If the company’s operation has remained effective and the foreign currency fluctuated negatively in comparison to the domestic currency (Ross, Westerfield, Jordan, 2008) then it may adversely affect the market value of the company’s share in the international market.Advertising Looking for essay on business economics? Let's s ee if we can help you! Get your first paper with 15% OFF Learn More Translation Exposure Multinational corporations prepare consolidated financial statements to determine their overall profitability. According to the international standards, multinational companies are required to prepare consolidated financial reports (Ross, Westerfield, Jordan, 2008). This allows companies to entail their foreign assets and liabilities. In the process of preparing consolidated financial statements, the fluctuation in the exchange rates may impact reported earnings and cash flow (Drucker, 2009). It may have significant impact on the firm’s stock prices and market value. Translation expose may result in an excessive income or loss. Exchange rate risk plays an important role for multinational corporations to evaluate their performance generated by their subsidiaries (Drucker, 2009). Major fluctuation in the domestic or the foreign currency affects profits, operations, present value, and cash flows of the company. Multinational Corporations and Global Business With an increased penetration of multinational corporations in the international markets there has been significant liberation of trade in internationally. This has certainly created a confusing and unbalanced scenario for governments and MNC’s as both of them are main players in the game of economic globalization. t has been evidenced from history that a great part of globalization is steered by multinational corporations. The present century has been termed as the corporate century as the number of different multinationals making entry into the international market has increased enormously. According to a report conducted by the UN, the number of multinational corporations was 45,000 in 2001, which were monitoring and operating 280,000 foreign associates. A report presented by the UN World Investment indicated that in 2006 77,000 multinationals were working across the globe having more than 770,00 0 subsidiaries and millions of dealers, suppliers, and employees (Nerisesian, 2004). Through this, it becomes evident that globalization of the current era economy is still in progress and with it challenges for multinational companies are increasing rapidly. However, issues connected with globalization and multinational corporations are numerous such as cross culture adaption, human rights etc.Advertising We will write a custom essay sample on Multinational Corporate Finance specifically for you for only $16.05 $11/page Learn More It can be undoubtedly said that at present multinationals are the key factor in the global economy. However, these multinationals face a number of issues to operate and keep the global economy stable. A strong relationship and understanding should be developed between the society and businesses. It is necessary because business decisions and social / local policies should be synchronized. Similarly, the profit and benefits sh ould be shared unequivocally. If there exists a problem in the mutual relationship or understanding then it becomes complicated for multinational corporations to work in that particular society (Drucker, 2009). Other than that here are some other issues which may arise when multinational corporations enter global markets. Goal of the Multinational Corporations and the Host Country The goals of a multinational corporation that it set for the home country may have to alter or change at times depending on the policies or the system existing in the host country (Gustavson Harrington, 1994). Employees Relationship Local: Recruitment and training of the local staff / workforce is a difficult task which multinational corporations have to face when grounding their roots in some other country. Staff training is a complex process as individuals may not be familiar with the equipments installed, language used, and corporate attitudes (Moerel, 2012). International: Not only in the case of loca l employees, but international employees who are sent by the multinational corporation from the home country to the host country also face problems and barriers while settling in the new society and culture. They might face issues with the regional language, culture, and ethics etc. In order to work with the local workforce present there they have to become familiar with them completely (Moerel, 2012).Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More Stakeholders of Multinational Corporations While launching operations (business) in another country along with adaptation of goals and policies, multinational corporations also have to focus on their stake holders. As stakeholders play a vital role in the business of any organization / corporation therefore it is very important to stabilize the relationship with them in any case (Drucker, 2009). Taxation Policy Risks Multinational corporations typically aim to establish their subsidiary branches in countries where the labor is cheap and tax burden is less (Maginn Tuttle, 2010). Higher tax burden decreases profit margins of multinational companies. Therefore, the taxation policy of the domestically located branch and foreign branches affect profit margins of corporations. Political Risks Multinational companies are stimulated by domestic and international politics. It is therefore clear the international politics scenario does have direct affect on the business and its profitability for MNS’s (Chong, 2004). Political risks that a corporation may face include adverse political decisions made by the host country. This may affect the goals, performance, and profitability of the corporation. Political risks can be classified into 1) macro political risks and 2) Micro political risks. Macro political risks The political event occurred in the host company affecting all foreign firms in the country is referred to as macro political risks (Maginn Tuttle, 2010). All industries and sectors are affected in the country by such an event. This may include ban of a particular country’s business due to the political event occurred in the country. Micro political risk Political event in the host country affecting a particular industry or a particular firm is referred to micro political risk. Not all foreign companies are affected, but certain industries in a particular sector are affected (Chong, 2004). These are firm specific risks that a corporation may encoun ter in the host country. Systematic Risk Systematic risks are involuntary risk. They are macro in nature and are incontrollable by the organization (Maginn Tuttle, 2010). This is because of the reason that these kinds of risks are generated through the system and are influenced by external factors. Therefore, they affect a large number of organizations in the same industry or region. This may involve in: Interest Rate Risk The fluctuation in the interest rate policies with the time causes great affect on the interest policies of the company (Drucker, 2009). This affects prices of shares, commodities and investments. Further, it also affects reinvestments of the companies like interest earnings and dividends. Market Risk Market risks involve the fluctuation in the trading prices of commodities, securities or shares (Clayman, Fridson, Troughton, 2011). The corporation may face loss in the trading of securities, stocks and foreign investment. Purchasing Power / Inflation Rate Risks I nflation risk has direct implications on the purchasing power of individuals therefore it is also so known as purchasing power risk. This is a type of systematic risk that evolves with the inflation rate under a particular economy. It affects the purchasing power of the raw materials, securities, etc. It greatly affects demand and cost risks of the corporation (Nerisesian, 2004). Unsystematic Risks Corporations may also face unsystematic risks. These risks are voluntary are dependent on the functioning of companies. These risks are controllable by organizations and can be controlled. This may involve in the leverage, liquidity, credit and operational risks (Ross, Westerfield, Jordan, 2008). Liquidity risks Liquidity risks refer to the risk evolved by the poor performance of an organization. This risk may arise by the inability of the organization to sell or utilize its assets and resources (Nerisesian, 2004). This risk may arise if the company falls short of funds to meet its expen ditures and carry out its operational activities. Credit risks Credit risks occur when the capital structure of the organization changes (Chong, 2004). This may arise when the company fails to meet its obligations or to recover against sales and receivables. Operation risks Any obstacle or issues arising due to human errors in business activities causes the operations to fail or collapse it is known as operations risk (Ross, Westerfield, Jordan, 2008). The risk may arise if the employee, employer, policies, and internal system collapse. This may cause the business operation to fail. Difference between Risks and Benefits for Multi National Corporation However, MNC’s face less local turnover as compared to companies which are operating in only one country but other risks and threats are far greater and important for MNCs to focus on. When corporations work in more than one country then that automatically generates a pool of large number of customers and thus, increasing their profit. MNC’s also have potential risks which can endanger profits and benefits (Nerisesian, 2004). Talking about Multinational corporation risks and benefits are two diverse fields to discuss. Risks are those threats and issues which a MNC may face during its operations or launch and they can harm its business in different ways. On the other side, benefits are those advantages which MNC’s may avail as a result of their successful operations and generates revenue. Risks and benefits are both entirely different and Multi National Corporations focuses on both of them very seriously as either of them are very significant for the corporation. However, risks are catered and addressed more seriously as compared to benefits. This does not at all mean that benefits are less important, this only means that risks can harm the business and can affect the operations and its benefits therefore it is the first priority of MNC’s to spot any risk and to address them immediately . Risks have a direct impact on the benefits and output of an corporation, therefore MNC’s first avoid risks and then focus on their benefits and ways through which they can increase their benefits and outputs (Gustavson Harrington, 1994). The risks are diverse and present in every field as they have already been aforementioned in this paper. However, competition is one of the serious risks in the present corporate world. MNC’s can achieve benefits through their operations and other means. All these benefits are a form of competitive advantage and they result in better revenues or productivity which ensures stability of the company. Every MNC focuses on to increase its benefits by all means so that they can do business in an effective and successful manner and avoid the risk factor, decrease it to the lowest possible level, or eventually eliminate it (Moerel, 2012). Thus, it can be said that it is not easy for multinationals to survive and maintain their stability. Th ey have to keep in mind different issues and stay focused on these issues. Measures should be reformed to avoid risk factors to avoid serious threats to MNC’s business and profit. However, risk and profit are important considerations which MNC’s have to address simultaneously at the same time without neglecting either of them. Reference List Chong, Y. Y. (2004). Investment Risk Management. Wiltshire: John Wiley Sons. Clayman, M. R., Fridson, M. S., Troughton, G. H. (2011). Corporate Finance: A Practical Approach. New York: John Wiley Sons. Drucker, P. (2009). Concept of the Corporation. New Jersey: Transaction Publishers. Gustavson, S. G., Harrington, S. E. (1994). Insurance, Risk Management, and Public Policy. New York: Springer. Maginn, J. L., Tuttle, D. L. (2010). Managing Investment Portfolios: A Dynamic Process. New Jersey: John Wiley Sons. Moerel, L. (2012). Binding Corporate Rules: Corporate Self-Regulation of Global Data Transfers. London: Oxford Universi ty Press. Nerisesian, R. L. (2004). Corporate Financial Risk Management. Westport: Greenwood Publishing Group. Ross, S. A., Westerfield, R., Jordan, B. D. (2008). Fundamentals of Corporate Finance. New York: Tata McGraw-Hill Education. This essay on Multinational Corporate Finance was written and submitted by user Javon Rojas to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

If the French Supposer Hypothesizes, Add Subjunctive

If the French Supposer Hypothesizes, Add Subjunctive When  supposer  (to  suppose or to assume) is used with a dependent clause beginning with  que, the dependent clause may use a subjunctive verb, depending on how supposer is used. When it expresses an assumption, no:  Ã‚  Ã‚  Je suppose quil le fait.  Ã‚  Ã‚  I assume that he is doing it. When the subject is presenting a hypothesis, yes:      Supposons quil le fasse.  Ã‚  Ã‚  Lets suppose that he does it. Supposer que joins a long list of similar verbs and expressions of doubt, possibility, supposition, and opinion; they all also need the subjunctive in the  Ã¢â‚¬â€¹que  subordinate clause. Supposer and Supposer Que Supposer que,  when used to express an hypothesis,  fulfills the subjunctives underlying requirement  of  expressing actions or ideas that are subjective or otherwise uncertain. As with  this use of supposer  que,  the French subjunctive  is nearly always found in dependent clauses introduced by  que  or  qui, and the subjects of the dependent and main clauses are usually different, as in:      Je veux que tu le fasses.  Ã‚  Ã‚  I want you to do it.   Ã‚  Ã‚  Il faut que nous partions.  Ã‚  Ã‚  It is necessary that we leave. French Verbs and Expressions Similar to Supposer Que Here are other verbs and expressions that, like  supposer que,  can communicate  doubt, possibility, supposition, and opinion. They all require the subjunctive in the dependent clause that  begins with  que.  There are many other types of constructions that need the French subjunctive as well, which are explained and listed in the full-on  subjunctivator  (our term). accepter que   to acceptsattendre ce que  Ã‚  to expect thatchercher ... qui*  Ã‚  to look fordà ©tester que  Ã‚  to hate thatdouter que**  Ã‚  to doubt thatil est convenable que  Ã‚  it is proper/fitting/appropriate thatil est douteux que**  Ã‚  it is doubtful thatil est faux que  Ã‚  it is false thatil est impossible que  Ã‚  it is impossible thatil est improbable que  Ã‚  it is improbable thatil est juste que  Ã‚  it is right/fair thatil est possible que  Ã‚  it is possible thatil est peu probable que  Ã‚  it is not very likely  thatil nest pas certain que  Ã‚  it is not certain thatil nest pas clair que  Ã‚  it is not clear thatil nest pas à ©vident que  Ã‚  it is not obvious thatil nest pas exact que  Ã‚  it is not correct thatil nest pas probable que  Ã‚  it is unlikely thatil nest pas sà »r que  Ã‚  it is not certain thatil nest pas vrai que  Ã‚  it is not true thatil semble que  Ã‚  it seems thatil se peut que  Ã‚  it may be t hatle fait que  Ã‚  the fact thatnier que***  Ã‚  to deny thatrefuser que  Ã‚  to refusesupposer que  Ã‚  to suppose / assume; to hypothesize *When you are looking for someone who may not exist, this indicates doubt and therefore requires the subjunctive in the dependent clause:   Ã‚  Ã‚  Je cherche un homme qui sache la và ©rità ©.  Ã‚  Ã‚  Im looking for a man who knows the truth. **These do not take the subjunctive when they are used negatively:   Ã‚  Ã‚  Je doute quil vienne. I  doubt hes coming.  Ã‚  Ã‚  Je ne doute pas quil vient.   I dont doubt hes coming. ***When  nier  is in the negative, its followed by the the more formal ne explà ©tif, which uses only ne  (without pas).      Il na pas nià © quelle ne soit partie.  Ã‚  Ã‚  He didnt deny that she left. Additional Resources The SubjunctivatorQuiz: Subjunctive or indicative?

Logistics Behind the Scenes of this Growing Job Sector

Logistics Behind the Scenes of this Growing Job Sector Moving products from a supplier to customers is the job of a logistician. In today’s global economy, it is important for trained individuals to move goods expeditiously. Without experienced logisticians at the helm, a global economy may falter. Understanding logistics will make it clear why jobs in this sector are plentiful and well compensated. What Do Logisticians Do?Individuals who work in logistics have many different jobs. They may work in a warehouse, loading dock, or distribution center. As goods arrive from a supplier, the items need to be transported to retailers and, ultimately, customers.  Some logistic specialists monitor the path a product takes to reach its destination, surveying the company’s cost and transit time. However, logisticians not only handle raw material and supplies. They can  also make sure that response teams are available when a natural disaster strikes. Military logisticians make sure that troops have essential supplies.Job Growth in L ogisticsAccording to the Bureau of Labor Statistics, job growth in this field is burgeoning and growth is expected to be at about 22 percent from 2012 to 2022. The sector is growing at such a fast rate because of  the amount of goods that must be transported each day. The amount of freight has grown by 20 percent in the last ten years and is expected to expand another 65 percent by 2020. This enormous growth means that more jobs will be available.Training for LogisticiansA bachelor’s degree is needed for most managerial jobs, although an associate’s degree may be required for some. Training is usually done on the job. Frequently, hiring for positions happens from within a company in logistics. This enables you to work your way up and, according to Supply Chain Digital, promotions are frequent for those with a solid work ethic.Training may begin in the armed services, where jobs in supply are plentiful. After your term of service is finished, getting a job in logistic s is not difficult.Salary for LogisticiansThe salary logisticians receive can vary, depending  on whether they work in a metropolitan area or a rural one. The profession’s  average salary was $73,400 in 2013- salaries ranged from $46,120 to  $112,750. Houston, the District of Columbia, and San Jose held the top paying positions.  The highest-paying industries in the profession were  for gas and oil extraction and coal and petroleum manufacturing.In addition, getting a well-paying job internationally may be possible with a background in logistics.Finding Work in LogisticsDue to the expanding nature of jobs in logistics, looking at job search sites online is the best way to find an opening. Searching manually may be time consuming. TheJobNetwork offers a comprehensive way to find employment. It is free to join and offers you the ability to let the platform work for you. By providing information about the position you want and listing your qualifications, TheJobNetwork searches for new opportunities 24/7 that match your criteria. Once a job is located, an email is sent to notify you. Finding the job you want, where you want and at the salary you need is convenient with TheJobNetwork.