Personal Risk Profile Essay Example | Topics and Well Written Essays - 750 words

Personal Risk Profile - Essay Example As a neutral investor, from the investment choices, I would like to select bank deposit i.e. term deposit in term deposit where I can get 6% interest on my investment annually and requires only $ 25000 as a minimum deposit and having only 2 years locking period. The term deposit gives safety besides assuring a consistent return. After the 2 years, I can withdraw the money at any time which means the liquidity of fund. If I have $500000 in my hand by depositing the cash in the bank as a fixed deposit I will get 6% interest on the deposit which is 500000 * 6 / 100 = 30000. Investing money in the bank account as a fixed deposit would enable me to earn an interest of $ 30000. In the bank account, cash management is also a good choice because it provides an interest rate of 6.4% annually and it requires a lock-in period of only two years. The minimum deposit begins at $ 10000. Bank deposit is thus a safer and reliable investment compared to corporate bond and investment in shares. As a neutral investor, I am not willing to take many risks and I am seeking a safer investment area. Investments in shares are riskier even if it provides a good return. However, such investments are subject to several factors. There is also a high possibility of sustaining losses when the market crashes for some or other reason. The market conditions remain very volatile. On the other hand, if I invest in bank deposits, there is a proper guarantee of the return though it is comparatively less. Thus, as a risk-neutral investor, I will choose bank deposit as my preferred method o f investment. Risk aversion connotes to an investor’s attitude in an investment option where he prefers lower risk area. â€Å"A risk-averse investor dislikes risk and therefore will stay away from adding high-risk stocks or investments to their portfolio and in turn will often lose out on higher rates of return. Investors looking for "safer" investments will generally stick to index funds and government bonds, which generally have lower returns† (Risk Averse, 2011, para. 2).

Donato D’Angelo Bramante Essay -- Biography

Donato D’Angelo Bramante was born in 1444 and died in 1514. Bramante was an Architect who introduced the High Renaissance style in architecture (brit). The Renaissance style gradually replaced the Gothic style of the late Middle Ages. It encouraged a revival of naturalism, seen in Italian 15th-century painting and sculpture, and of Classical forms and ornament in architecture, such as the column and round arch, the tunnel vault, and the dome (Western Architecture, 2011). Bramante was first trained as a painter before undertaking architecture and is credited with being the most renowned architects of his time (garners). Bramante was strongly influenced by Flilippo Brunelleschi, Leon Battista Alberti, and perhaps Leonardo (garners). His early works in Milan included the rectory of Sant’Ambrogio and the church of Santa Maria delle Grazie. In Rome, Bramante served as principal planner of Pope Julius II’s comprehensive project for rebuilding the city (brit). Bramant es architecture on the :Tempietto, New Saint Peters, Santa Maria della Pace, and the Cortile del Belvedere distinctly shows the aesthetics associated with the High Renaissance. During the time of Bramante the type of artwork most prominent was based on humanistic values, which were based on ancient roman models (garn). High Renaissance art originated in Florence in the early 15th century and thence spread throughout most of the Italian peninsula; by the end of the 16th century the new style pervaded almost all of Europe, gradually replacing the Gothic style of the late Middle Ages (brit). The Tempietto is an example of the style that Bramante sculpted with. The Tempietto is located on Janiculum hill overlooking the Vatican in Rome (garner). The Tempietto is named that be... ...c art had mostly to do with religion, while humanism deals with the humanistic part of our lives. After the Black Death many people lost their faith, because people could not believe that god would punish them like that. The Renaissance was a time period where the lives of Europeans focused on the natural world, and individuals and humanities worldly existence (Kleiner,2010). The Black Death, as horrible of a disease it helped set the stage for art and science to flourish. Renaissance itself means rebirth in Latin, which was a revived interest in classical cultures (Kleiner,2010). Humanism was more of a code of civil conduct, a theory of education, and a scholarly discipline more than a philosophical system. Italian humanists were concerned chiefly with human values and interest as distinct from but not opposed from religions otherworldly values (Kleiner, 2010). Donato D’Angelo Bramante Essay -- Biography Donato D’Angelo Bramante was born in 1444 and died in 1514. Bramante was an Architect who introduced the High Renaissance style in architecture (brit). The Renaissance style gradually replaced the Gothic style of the late Middle Ages. It encouraged a revival of naturalism, seen in Italian 15th-century painting and sculpture, and of Classical forms and ornament in architecture, such as the column and round arch, the tunnel vault, and the dome (Western Architecture, 2011). Bramante was first trained as a painter before undertaking architecture and is credited with being the most renowned architects of his time (garners). Bramante was strongly influenced by Flilippo Brunelleschi, Leon Battista Alberti, and perhaps Leonardo (garners). His early works in Milan included the rectory of Sant’Ambrogio and the church of Santa Maria delle Grazie. In Rome, Bramante served as principal planner of Pope Julius II’s comprehensive project for rebuilding the city (brit). Bramant es architecture on the :Tempietto, New Saint Peters, Santa Maria della Pace, and the Cortile del Belvedere distinctly shows the aesthetics associated with the High Renaissance. During the time of Bramante the type of artwork most prominent was based on humanistic values, which were based on ancient roman models (garn). High Renaissance art originated in Florence in the early 15th century and thence spread throughout most of the Italian peninsula; by the end of the 16th century the new style pervaded almost all of Europe, gradually replacing the Gothic style of the late Middle Ages (brit). The Tempietto is an example of the style that Bramante sculpted with. The Tempietto is located on Janiculum hill overlooking the Vatican in Rome (garner). The Tempietto is named that be... ...c art had mostly to do with religion, while humanism deals with the humanistic part of our lives. After the Black Death many people lost their faith, because people could not believe that god would punish them like that. The Renaissance was a time period where the lives of Europeans focused on the natural world, and individuals and humanities worldly existence (Kleiner,2010). The Black Death, as horrible of a disease it helped set the stage for art and science to flourish. Renaissance itself means rebirth in Latin, which was a revived interest in classical cultures (Kleiner,2010). Humanism was more of a code of civil conduct, a theory of education, and a scholarly discipline more than a philosophical system. Italian humanists were concerned chiefly with human values and interest as distinct from but not opposed from religions otherworldly values (Kleiner, 2010).

Research Proposal Social Work Essay

Document 1 of 1 Southern China talk fest a hot air blow-out Author: van der Kamp, Jake ProQuest document link Abstract (Abstract): Yes, they had plans, 30,000km of new superhighways fanning out from Guangzhou and 10,000km of new railway lines with trains speeding at 200km per hour to {hellip} well {hellip} ahem {hellip} but let us have no talk here of the mbarrassment Shanghai has suffered with Just a short hi-tech line to its airport. Not to worry. AsiaWorld-Expo is not being built to showcase Hong Kong products or designs. It will tout mainland wares in competition with several even bigger centres in the mainland. There is one Just across the border, big and empty and hungry for business. Clearly there was a call on AsiaWorld-Expo here to Justify its existence and it has heeded the call. In the first year of operation the centre will contribute a $2. 8 billion economic return, says the advertorial, again and again, in headlines, captions and testimonials. I think I have warned you before that â€Å"economic return† is pure magic. Take a number, any number, wave your wand, and you can have any other number you want, in this case 3. 67. Research, yes, diligent economic analysis, has proved to AsiaWorld- Expo that every dollar spent at its facility will, poof, create another $3. 67 spent elsewhere in Hong Kong. Links Linking Service Full text: ON PAGE 3 of this newspaper yesterday we discussed the hopes of 1 1 aspirants to a crowning achievement of commercial success and career satisfaction. No, I am not referring to the photograph at the top of the page of 11 Miss Hong Kong ontestants pictured in swimsuits at a waterfall in Kenya, although it was definitely more absorbing and probably more meaningful. I had in mind (when that mind could be distracted from the photo) a wodge of print underneath about a hot air blow-out from nine mainland provinces plus Hong Kong and Macau in what is termed the Pan- Pearl River Delta forum. It was the third day running in which we provided this evidence of why some trees should be left to grow in the forest rather than be turned into newsprint. Did you know that Guangdong party boss Zhang DeJiang would like to see his rovince turned into a key world manufacturing base, Hong Kong into an international business services centre and Macau into a gambling tourism hub? I understand that Mr Zhang also wants Marco Polo to visit China and hopes that Christopher Columbus will soon discover America. You probably saw some of the television coverage with one blue- suited lookalike after another taking turns at the podium to tell us to great applause that the sea is wet and the desert is dry or messages of equal revelation. Interspersed was so much self-praise that you would think this was Delia School of Canada. But yes, they had plans, 30,000km of new superhighways fanning out from Guangzhou and 10,000km of new railway lines with trains speeding at 200km per hour to {hellip} well {hellip} ahem {hellip} but let us have no talk here of the embarrassment Shanghai has suffered with Just a short hi-tech line to its airport. Stop me, however. Did not the word come down from Beijing recently that a halt must be called to big infrastructure projects in order to prevent the economy from overheating? I fully recognise that the further south you go in the mainland the less weight that Beijing’s edicts carry and I now that these big plans are still meant only to occupy time at talking shops. But surely a nod to central authority was required here. If we were to be so cavalier in Hong Kong about central government directives, they might call it subversion. Here is an idea for you, fellows. If you really want southern China to prosper, then implement all the promises Page 1 of 3 you made when entering the World Trade Organisation and do it as soon and as fully as possible. Stay off the podiums, spend no money but open your provincial economies and success will come your way. It is all you need to do and if you do not o it, then the story will continue to be what it has been so far – Hong Kong and the Ten Dwarves. And as to that photo, fourth from the left for the crown and second from the right for Miss Photogenic. There you nave my picks and let us be gratetul that those 1 1 not in the picture stayed fully clothed. HOT AIR MERCHANTS are not only to be found across the border. On Tuesday we carried a full-page advertorial for AsiaWorld- Expo, the new airport exhibition centre that is scheduled to open in December next year. You know the story. This was something first mooted for construction by the private ector at a cost of less than $1 billion. The fgure has now risen to $2 billion and it is to be picked up by the public purse. No, pardon me, the private sector can put in another $2 billion if it wants. Uh-huh. The people who run the big exhibition centre on the Wan Chai waterfront are none too happy with all this. They worry that there is not enough business to go round and that we are cannibalising earlier investments in the exhibition trade. Not to worry. AsiaWorld-Expo is not being built to showcase Hong Kong products or spent elsewhere in Hong Kong. It may be true. Here I come to spoil the magic, owever. If we instead spent that dollar on something else, it would create this same multiplier effect and, if we spent it to better use, that multiplier would be higher than 3. 67. The advice that your mother gave you has not been improved by voodoonomics. Spend your money as wisely as you can if you want the greatest benefit to yourself. The appeal to voodoonomics should only confirm to you that the money is not well spent. Publication title: South China Morning Post Pages: 18 Number of pages: O Publication year: 2004 Publication date: Jun 4, 2004 year: 2004 Publisher: South China Morning Post Ltd.

Factors that Create Limitations to the Students when...

Benjamin Franklin once stated, An investment in knowledge pays the best interest. Offering education advances the minds of the people and gives them the tools to operate and construct todays future. Investing in education is an effective way of achieving this outcome and is practiced by many government. That stated, restrictions arise due to lack of resources based on inequity in our school system. In a modern time where education should be at its best, our education system lacks the benefits of enhancing the minds of the future. Factors like focusing on test scores, budget cuts and inequity within the schools system itself, contribute to these restrictions repressing our future. These factors create limitations to the students when†¦show more content†¦When a school fails to meet the ATP, Adequate Yearly Progress, benchmark, budgets cuts occur in order to not lose funding. The first cuts occur to the non-tested subjects such as the arts programs, electives and even extracu rricular activities. Tina Beveridge concern with this act, stated in â€Å"No Child Left Behind and Fine Arts Classes,† â€Å"With the increased pressure on building administrators to get the most value for their staff dollars, arts teachers are encouraged—and sometimes required—to incorporate tested subjects into their curricula. (Beveridge)† Courses such as the arts are not considered a â€Å"core† subject when compared to reading and math courses and thus are either modified or cut in order to â€Å"make space† for the intermediate courses design to ameliorate the student’s scores. These budgets cut also become harm to student’s education as it limits the materials they can cover. Instead of restricting the students of electives and the arts and forcing them to take reading and math intermediate classes, the school districts should focus more on the actual learning experience instead of ways in improving scores. In the end, it is always beneficial for students to receive the most from a rich and diverse curriculum. President Bushs’ act, â€Å"No Child Left Behind† has face controversy since it was passed due to concerns whether it will work and how it will affect the student’s education. Although the president’s initial conquest is praised, inShow MoreRelatedMoving : A Quick Survival Guide1591 Words   |  7 Pageswas used for a long time to describe the migration of human talent to rich countries. In the twenty first century this term has evolved to â€Å"brain circulation†, which describes mobility as a two way movement of students, professionals, and specialized workers looking for new opportunities in a globalized world (Solimano, 2008, p. 2). 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