Portrait of a Writer Essay

Picture of a Writer EssayIt is conceivable to compose a representation of an author. So as to do this you need to know precisely what is most important to an essayist. There are numerous characteristics and traits that each essayist possesses.Creativity: It is significant that an author has a capacity to think of thoughts or ideas. Imagination will be reflected in the composing style you pick. The best authors will have the option to utilize words that are without jargon. To put it plainly, they use words that they are alright with or if nothing else don't generally utilize any words at all.Reading: You must have a mind blowing enthusiasm for perusing for your own self's capacity to process data. This is particularly evident with regards to verse. You should peruse everything from fiction to true to life to perceive how the world or writing works.Business Skills: An essayist should be able to introduce a thought or idea so that it is straightforward and pass on the plan to other peop le. At the end of the day, an essayist must be a powerful communicator. They should have astounding sentence structure and spelling abilities so as to have the option to express their real thoughts and impart their thoughts effectively.Imagination: It is significant that an essayist can make a gigantic amount of clear and excellent pictures. This is frequently viewed as a component that is important to be remembered for a portfolio. Regardless of whether they aren't offered by another person, they will consistently have the option to concoct something one of a kind for themselves.Imagination can likewise be connected to the capacity to brainstorm what's to come. An author might have the option to make sensible situations for their characters or situations that aren't excessively far brought. Be that as it may, this all relies upon what sort of vision they have in their head.Having every one of these things prepared is a decent beginning to beginning recorded as a hard copy a represe ntation of an author. The one thing you need to acknowledge is that it will take a ton of training to get that cleaned recording style. The more you put into it, the better your composing will turn into.

Hidden Answers to Civil War Essay Samples Disclosed

<h1> Hidden Answers to Civil War Essay Samples Disclosed </h1> <p>This test paper supplies an occasion of the highlights and focal points that originate from working with Ultius. Be that as it may, since the development time, two particular camps rose. The impact of the Civil War end up being an extreme move in the visual intrigue of the state. </p> <p>While the hotspots for the Civil War can be ascribed to a few things, the chief reason is esteemed to be sectionalism. There was an extremely critical ill will which prompted the start of the American Civil War. Among the most urgent social purposes behind the Civil War is subjection. Thusly, servitude is touted as the most significant reason that caused the American Civil War. </p> <h2> Choosing Civil War Essay Samples Is Simple</h2> <p>If you might want to get a top notch paper in a snappy timespan, at that point don't spare a moment and submit your request on the site! In any cas e, on the off chance that you need more time to deal with your paper without anyone else, you can arrange it on our site. Your melodies commercial center, the genuine clothing was dull. This urged people to create their own thoughts regarding the business to begin. </p> <h2> Civil War Essay Samples - the Story</h2> <p>As utilizing pretty much any kind like for you to whether individuals expected so as to lead. This isn't an occurrence of the work created by our paper composing administration. The arrangement isn't as simple the same number of might think. The south was scanning for a route back in urgently. </p> <p>The Confederacy declared they weren't a piece of the usa any longer thus didn't have to tune in to United States laws and needn't have to focus on the constitution. The Civil Rights Movement was apparently the most significant issue to ever occur in the States. By the end of the war, evaluated 600 to 800 English was slaughtered. Besides , he made it extremely clear he had nullified subjection in most of states in the usa. Subjugation was viewed as the essential explanation causing the war, as a high level of victimization the African Americans existed upon their appearance in the States. </p> <h2> Civil War Essay Samples: No Longer a Mystery </h2> <p>They felt it was their obligation to forestall the mistreatment of blacks, in order to restore the nation for an entirety. It likewise is reliant upon the attitude of the nation. A few people are frightful of the administration and won't ever stand up, yet others are going to stand up even without a fabulous explanation for that. The development laid on the simple truth that all men are made equivalent and that incorporates slaves moreover. This was just valid for a couple of Southerners, regardless of prevalent thinking just a little extent of people in the south claimed slaves. </p> <p>This was as a result of the issuance of the li beration announcement. It required each state to adjust their fourteenth amendment as an approach to rejoin the state. The Confederacy was made to print gigantic measures of fiat paper cash. It was contended that each state has its own different personality thus each state should be in a situation to leave should they have to. </p> <p>The focus of this case should realize uniformity in instruction. Be that as it may, it wasn't a simple activity. When deciphering of theConstitution, there were two remarkable iadeals on the utilization of the government. This choice was among the numerous reasons abolitionists began their development. </p> <h2> Civil War Essay Samples - Overview</h2> <p>Although the wellspring of common war were mind boggling, subjugation was the most significant issue. The Republicans believed subjection to be awful for the country's tranquility, similar to they were recognizing the chance of war. The issue of bondage and force was the chief explanation that brought about the ejection of war in 1861. Seemingly the general accord is that subjection was the fundamental explanation behind the common war. </p> <p>In expansion, this war finished the associated relations between the 2 networks, which shared a remarkable culture in their own one of a kind way. Precisely the same time frame encountered an expanded requirement for minimal effort work in the sort of captives to work in the immense cotton ranches. 001% of this total populace. </p> <p>This is the chief explanation the American Civil War rose. The narrative is huge to our investigation of Abraham Lincoln since it referenced numerous little points of interest about Lincoln that many individuals are unconscious of. </p> <h2> Things You Won't Like About Civil War Essay Samples and Things You Will </h2> <p>On event the sole way out they see is a war. Remembering that, we'll currently dive into the advantages and disservices brought about by the war. Make some straightforward end for those action words given. Common war from an overall viewpoint. </p> <p>The consequences of the case decided that government funded schools can't be isolated. The exploration proposition demonstrates the significance of the examination. This isn't particularly obvious. </p>

The Unusual Mystery Into Who to Call when Need Help Writing Essay Free Uncovered

<h1> The Unusual Mystery Into Who to Call when Need Help Writing Essay Free Uncovered </h1> <h2> The Who to Call when Need Help Writing Essay Free Chronicles </h2> <p>It's the paper help on the web you can be guaranteed that you have shown up at the best possible spot. Hence, you can rely upon free surveys. Acing the craft of picking composing administration There's a scope of article generators promptly accessible on the web. </p> <h2>The Benefits of Who to Call when Need Help Writing Essay Free </h2> <p>With this sort of a procedure, our exposition journalists offer you the absolute best chance of progress! The capacity to form an exposition expect a genuinely high level of language capacities. It truly doesn't make a difference why you're not ready to manage your errands and wish to evaluate a reasonable article help. It is a difficult assignment that requests a lot of difficult work and commitment. </p> <h2> The Wh o to Call when Need Help Writing Essay Free Chronicles</h2> <p>Our 1-hour article composing administration might be a perfect answer for you. On the off chance that you need help composing an article of one of these sorts, we have an expert in the subject and type just for you. For example, you can choose among various composing alternatives. Solicitation paper composing help by making a request at our site. </p> <p>If you are looking for school paper composing help, our administration is decisively what you request! This is a prepared and reliable composing administration that is happy to help with composing expositions to every single client. </p> <p>It's never quick or easy to secure somebody who you can just compensation to make a paper. It is significant to comprehend of how basic it might be to utilize totally free articles you'll have the option to find on the web. It's somewhat clear to get article at our site and you're probably going to get your exposition. Whenever you request a simple article or a mind boggling thesis, we'll find the most proper essayist to do your composing task. </p> <p>Whatever it is that you require, our genuine, solid administrations will have the option to support you. In reality, there are many perspectives should be considered for both the online engineer and new companies. So it goes to the meaning of the period, which is distinctive to different people. Regularly individuals inquire as to why our administration is a most loved with such a major number of understudies. </p> <h2> Whatever They Told You About Who to Call when Need Help Writing Essay Free Is Dead W rong...And Here's Why </h2> <p>Even however the end section comes at the finish of your article it should not be viewed as an idea in retrospect. 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Choose for us in the occasion you have confronted tight time spans and convoluted assignments as opposed to requesting article composing help on the absolute first site you run into.</p> <h2> Who to Call when Need Help Writing Essay Free Help! </h2> <p>you have an example paper that you'll have the ability to dissect and from which you'll be in a spot to discover some new information. Notwithstanding what's the point of a person's paper, there's a foreordained amount. To utilize the dependable help is the most significant undertaking so that presenting your article won't set you in a difficult situation. Our composing framework assists with guaranteeing that everybody plays out their activity in like ma nner. </p> <p>Essay composing is contained in the projects of most of organizations. Composing a solid paper is certifiably not a straightforward undertaking. School paper composing administrations can be the easiest way to deal with reduce understudies' torment. 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Essay Sample on Poverty - Is It Possible to Use This to Solve a Problem?

<h1>Essay Sample on Poverty - Is It Possible to Use This to Solve a Problem?</h1><p>There are numerous sorts of article tests on destitution. These sorts of papers can be utilized to represent the ideas utilized in a course reading material, just as those ideas that are significant for assessing school essays.</p><p></p><p>The first kind of exposition test on destitution is the work article on the specific subject of neediness in America. It very well may be very useful to have a paper test on this theme the same number of understudies don't completely see how the various parts of American life influence neediness and along these lines don't completely acknowledge the stuff to escape destitution. This enables understudies to realize what they have to know so as to compose great papers about this topic.</p><p></p><p>Another kind of article test on neediness is the exposition on the significance of family salary and chil d rearing aptitudes in the exposition. This is an incredible subject to utilize on the grounds that it is a case of what most guardians face, which is the way to give a home satisfactory food and apparel for their kids. The way that these assets are required assists understudies with seeing how they can beat obstructions to keep up this way of life, which thusly will assist them with showing how families can make due in neediness and all in all in life.</p><p></p><p>One more kind of exposition test on destitution is the article on the significance of instruction for youngsters. One of the principle objectives of any instructive framework is to have a sound, taught populace that can land positions and enter society. In any case, the children who live in destitution need to pay for these assets, which will cause the understudies to understand the significance of getting an advanced degree so as to get enough cash to pay for these resources.</p><p>&l t;/p><p>The most intriguing sort of paper test on neediness is the exposition on the significance of eating well and remaining dynamic. This isn't as simple as it sounds, since individuals who live in destitution regularly can't accepting solid nourishments as a result of the expense of food. Likewise, numerous individuals in destitution don't get enough exercise because of absence of transportation or employment related transportation issues.</p><p></p><p>These sorts of papers are an incredible method to assist understudies with understanding the individual battle that families experience. Since such a large number of individuals in neediness are battling to make a decent living, the understudies won't just discover approaches to endure yet in addition to manage different issues that may emerge in their lives.</p><p></p><p>As you may have speculated, this is only a little testing of the numerous kinds of exposition tests on d estitution that you can use to give understudies thoughts regarding how to manage the issues that life brings. The best activity is to set aside some effort to peruse and comprehend the various subjects that are shrouded in your group before composing the essay.</p><p></p><p>You would then be able to utilize your comprehension of these points to assist understudies with taking care of the particular issues that they may look with them. That way they can study what they have to do to take care of their issues, and yet ensure that they are responding to inquiries from the class at hand.</p>

Sample Essays - An Important Step in Becoming a Writer

<h1>Sample Essays - An Important Step in Becoming a Writer</h1><p>Writing tests of abstract articles is a significant piece of turning into an author. In the event that you are thinking about composing an abstract exposition, you should begin by securing tests of scholarly articles to compare.</p><p></p><p>The most ideal approach to get tests of artistic papers is to ask a few companions who are capable journalists or regardless of whether you are not very secure with how to compose an artistic paper. On the off chance that you solicit somebody to suggest one from the example expositions that he/she has thought of you will get a great deal of helpful data. You can peruse a portion of their example papers to acquire insight.</p><p></p><p>You can likewise go on the web and quest for tests of scholarly papers. These online assets offer examples of abstract articles on different subjects, for example, sci-fi, history, huma n studies, writing, and so on. The examples of abstract articles can be somewhat hard to browse however the material is as a rule there for your use.</p><p></p><p>There are a few online sites which offer example papers on an assortment of subjects. You can choose the subject and substance relying upon your composing skills.</p><p></p><p>Most online assets have an asset box on the page where you can put your email address with the goal that you can get the example expositions for nothing. A few destinations give you tests liberated from cost, while others charge an ostensible expense. On the off chance that you have a touch of cash accessible, you can pay a couple of dollars to get the total texts.</p><p></p><p>Reading test papers causes you build up a feeling of how well an article streams and the degree of imagination it has. On the off chance that you can increase a comprehension of these characteristics, you will have a superior possibility of composing a decent exposition. You will have the option to assemble your own style just as investigate your composing creativity.</p><p></p><p>Just remember that forming a scholarly exposition can be a long and tiring procedure. On the off chance that you intend to have a ton of essayists whining about your composing tests, you should consider switching things up each once in a while.</p>

How to Find the Best Philosophical Essay Topic

<h1>How to Find the Best Philosophical Essay Topic</h1><p>The philosophical paper point is one of the most troublesome scholarly composing assignments. Numerous individuals who are starting to compose an article or some other sort of scholarly composing battle with this. It requires a lot of research and reflection on the numerous subjects that savants have presented.</p><p></p><p>Your fundamental objective is to comprehend the topic. The points are very mind boggling, yet they are not hard to see once you know how. You ought to have the option to respond to the inquiries of what the topic implies, what is implied by its definitions, and how it applies to the author's reality. When you have these issues replied, you will have a superior possibility of finishing your paper successfully.</p><p></p><p>As you examine points for your philosophical exposition, consider your topic and why you need to expound on it. What do yo u plan to achieve with the theme? A few writers pick topics that will help them in their very own lives.</p><p></p><p>When you consider your topic, discover your motivation for expounding on it. Who do you would like to persuade? Consider the idea of your audience.</p><p></p><p>One thing you ought to consider before composing a subject is in the event that you have to ask consent from the point. On the off chance that you pick a point that is questionable, you should get consent from the subject creator. The themes are expansive to the point that it can get befuddling when somebody makes a few cases that repudiate the subject. Ensure you don't confound the point or the author.</p><p></p><p>You should discover various kinds of references that are identified with the subject. You ought to have the option to discover a book survey that encourages you comprehend the subject better. You ought to likewise know how the subject was talked about in classes or courses before you compose your own interpretation.</p><p></p><p>Use models when conceivable when composing your point. These will enable the peruser to identify with your thoughts all the more without any problem. Since you will utilize models, ensure they are immediate statements and don't give out the subject's identity.</p><p></p><p>Your philosophical paper depends on your own encounters and it is dependent upon you to associate those encounters to the topic. After you have picked a subject, you can expound on it further and use thoughts from different sources to fortify your contention. As you keep looking into the subject, you will discover a lot more assets for the point that you have picked. There are such huge numbers of thoughts to look over when you are doing your examination for your philosophical article topic.</p>

Fun Ways to Teach Essay Writing

<h1>Fun Ways to Teach Essay Writing</h1><p>Fun approaches to train article composing are accessible for all understudies who need to make composing papers simpler. In any case, there are those understudies who are more obstinate than others and decline to oblige the rest.</p><p></p><p>However, regardless of whether the understudy is difficult and won't help out what you bring to the table, recollect that the 'do-it-without anyone's help work' will in any case prove to be useful one day. It won't take long to discover approaches to give your understudy some extra fun.</p><p></p><p>One of the best time approaches to train article composing is to make an escape. They may be somewhat focused, yet having an escape from the remainder of the world can make things significantly more endurable. All things considered, when the remainder of the world has rested, everybody needs some alone time to have fun.</p><p></ p><p>You may likewise need to have a go at taking your understudy to a neighborhood park to play in another games program. While this movement isn't at all important to have a great time, it can unquestionably add some additional punch to the exercises. In addition, since the games program is typically hung on a Saturday, numerous others will be there. The environment will be merry and everybody will get a little exercise.</p><p></p><p>Another of the great approaches to train paper composing is to hold an activity or rivalry. Recollect that your understudy will do this so as to compose their exposition. So it is imperative to ensure that the person in question will do this such that will be profitable and not only for fun.</p><p></p><p>In certainty, it is ideal if the movement isn't only a straightforward composed task yet rather an exhibition. An opposition will be significantly more engaging and will connect with the underst udy's advantage. Additionally, when the occasion is finished, it will be simpler for your understudy to proceed onward to the following test and will have the option to arrive at a more elevated level of achievement in the process.</p><p></p><p>Having fun approaches to encourage article composing is conceivable. The correct composing materials can make the entire procedure significantly more charming. So when your understudy has been dealing with the task for half a month, why not assist them with getting a charge out of it even more?</p><p></p><p>One of the most significant thing to recall when you choose to give them additional approaches to assist them with traversing the work is to tell them that you welcome them for thinking of the thoughts. More often than not, it is these thoughts that will assist them with traversing the task quicker and with no further issues. So have some good times and have a good time while you are helping your understudy to find out about composing essays.</p>

High School Argumentative Essay Topics

<h1>High School Argumentative Essay Topics</h1><p>Students, particularly those getting ready for the AP History or U.S. History test, need to consider including a factious article subject for the secondary school report composing task. The correct determination of subjects in a factious exposition gives understudies a strong establishment for their papers that they can use for any course that includes contending and for writing when all is said in done. By joining all around created thoughts from various sources, understudies can truly have something extraordinary to compose about.</p><p></p><p>What are the best contentious exposition themes? Every instructor has their own considerations about this. As I would like to think, here are probably the most impressive contentions in a scholastic writing.</p><p></p><p>One thing I've seen is that understudies frequently have their own assessment about something. They're not ex tremely keen on hearing different perspectives, yet rather need to do whatever them might feeling like doing. By including a factious paper theme dependent on what their own instructors may state about the subject, understudies can see whether their own perspective is correct. All things considered, you can't state that your feeling is correct on the grounds that your instructor says so.</p><p></p><p>I'd prefer to believe that wise individuals as a rule reach a similar resolution freely. In the event that somebody says, 'X is acceptable,' and you concur with it, that implies that X is acceptable. Be that as it may, did you realize that X is likewise acceptable in the event that another person says that it's acceptable? What's more, does it make a difference who says it's acceptable, or what they say?</p><p></p><p>The key to a fruitful contentious exposition theme is to discover a point that nobody else has confidence in, despite the fa ct that you put stock in it as well. In any event, when you're not being altogether genuine, you can show that you have your own remarkable perspective about something. Truth be told, you can utilize the contentious paper point to turn into your own master in your subject area.</p><p></p><p>My sentiment is that a few understudies build up their own feeling of prevalence because of having their own suppositions. Regardless of whether it is only an inclination, understudies can build up a confidence in themselves by believing they're directly as far as they could tell. On the off chance that you attempt to persuade them that their specific perspective is really right, they'll despite everything believe they're right.</p><p></p><p>The factious paper subjects I offer above are basically a portion of the reasons why understudies ought to remember one of these points for their secondary school report composing assignments. The capacity to co ntend with a specialist's viewpoint about an issue can give them a more grounded comprehension of that point, which causes them gain proficiency with significantly something other than about some other sort of topic.</p>

Cross Cultural Psychology Essay Topics

<h1>Cross Cultural Psychology Essay Topics</h1><p>Cross social brain science is an interdisciplinary field of study and the specific subject of this issue as a rule includes a multifaceted brain research article point. The point by and large appears as a discussion about which culture is progressively significant and how various societies have changed after some time. It additionally relies upon how one ought to approach choosing which social region of intrigue and which culture have it the most significant.</p><p></p><p>Usually, most of diverse brain science exposition points have to do with how individuals have carried on before and which culture, after some time, has accomplished the most. This is on the grounds that there is a supposition that specific practices and practices have been instilled into the social zone and these ought to be seen by all societies similarly. Also, however these suspicions are frequently right, there is nothing unchanging about the past. All societies can generally change.</p><p></p><p>In numerous cases, culturally diverse brain research exposition subjects can without much of a stretch be changed to call attention to how certain practices are seen contrastingly in various societies. Models incorporate the contrast among male and female self destruction rates, the distinction between dietary patterns of various societies, and the way that a few societies to treat individuals from their own confidence and those of another. There are numerous different varieties as well.</p><p></p><p>Another intriguing territory of discussion is the estimation of religion in an indigenous culture, and how it has affected the way of life and the everyday environments of the locals. Christianity in the western world has no uncertainty impacted the way where the antiquated world lives and passed on, yet the equivalent can be said for certain religions. Thus, it v ery well may be said that, regardless of how one adjudicators or characterizes what is significant, the world is perpetually molded by an assortment of methods of reasoning and beliefs.</p><p></p><p>However, as the discussion goes on, it might become obvious that not every person's view is the equivalent and some multifaceted brain research exposition subjects can incorporate the way of life of the individuals who have died. These can frequently be a moving piece, in light of the fact that the conventional individuals are normally viewed as the establishing, or the motivation, of what has come after.</p><p></p><p>It ought to likewise be brought up that not all the world's societies are similarly significant or even similarly off-base. A few nations and societies have not exclusively been powerful, however they have molded the way the remainder of the world lives. So when composing a multifaceted brain research paper theme, one must con sider how the worldwide culture is today, and how that culture may impact the following generation.</p><p></p><p>As a last note, it ought to be referenced that diverse brain research exposition points are only that - subjects. They can be contended, contended, and contended about, yet to the most part, they are basically conclusions, sentiments which must be founded on the creator's translation of a given social area.</p>

Finding Top Persuasive Essay Topics

Finding Top Persuasive Essay TopicsYour persuasive essay topic is what makes your speech or letter stand out from the rest. However, if you aren't sure how to find it, here are a few tips to help you out.The first tip when finding top essay topics is to keep it relevant. Many people choose topics that don't even pertain to the field they are in. Some of the more popular subjects include:And if you are not sure about which subjects to choose, you can always consult with your professor and major corporations and find out the topics they will cover in the class. You can also ask friends and family members for suggestions.Now that you know that your topic has to be relevant, the next step is to find sites that list the top persuasive essay topics. You can also look up your topics on websites that specialize in this area. There are a lot of sites out there so it's easy to get lost and end up with the wrong one.As for the internet search, there are a few tips you can use. Look for articles or blog posts that have already been written and have the title included in the article. Also, look for the keywords the article mentions in the author resource box at the bottom of the page.If the topic of the article you're looking at is already used, you can also look up the name of the person who wrote it, followed by the word 'expert' and see if there are any similar websites that might be related. This will be an added bonus if you already know the writer.Another great thing is that most good writers will give you their papers as a bonus. They will also write on the topic and tell you about their success. This gives you more confidence that you can pull it off as well.As with anything, there are tons of topics that you can use. The key is just finding the right one for you.

Gender Should Not Be Legal Essay - 1986 Words

â€Å"Learning to be Gendered†: â€Å"What does this even means†? No one wants to be gendered. Every individual works hard for what they earn in their life. It should never matter at all what their sex is or how they look. In today’s world, no one wants to be treated better than the other; everyone wants to be considered equal and have the same opportunity to succeed as the person next to them. In addition; to wanting to feel equal there is a law that states that men and women are equal. Then by issuing this law it is stating that no matter your gender, thing that you do should not be treated differently based on your sex. Everyone can be who they want to be because in the United States of America everyone gender I too similar and should never be judge. Both sexes have their own opinion and ways to do things and this should not cause any problems. There is truly no factual evidence that will show that our gender decides everything and while growing up gender is throne aside and only thing that should be treated different is the individuals character. Thus, there should not be gender difference with clothing, color, jobs, income, and sports because everyone should be every to settle their own fate based on their preference and not others. First of all, many believe that the colors of clothing we wear should not represent our gender. Many individuals like different colors and each color should not be based off of masculine or feminine. To start, many males like to wear darkerShow MoreRelatedGender And Gender Should Not Be Legal Essay1987 Words   |  8 Pagesearn in their life. It should never matter what their they look like or what their individual sex is or how they look. In today’s world, no one wants to be treated better than the other; everyone wants to be considered equal and have the same opportunity to succeed as the person next to them. In addition; to wanting to feel equal there is a law that states that men and women are equal. Then by issuing this law it is stating that no matter your gender, thing that you do should not be treated differentlyRead MoreShould Gender Selection Be Legalized in Australia for Non-Medical Reasons?1147 Words   |  5 Pagesâ€Å"Should parents have the right to choo se the gender of their future child? Should it be legalised in Australia for non-medical reasons?† Whether gender selection should be legalised in Australia for all parents to have the right to select the gender of their baby or whether it should stay illegal with the exception of issues caused by sex-linked medical diseases creates a discussion. Selections of different conditions which give a variety of different perspectives of gender selection are gatheredRead MoreDiscourse Community Project : Discourse1705 Words   |  7 Pagesauthors are writing about corresponding ideas and discussing their identical goals; the prevalence of gender inequality in the legal profession and the unjust consequences derived from it. Similarly, all five sources intentions are to oppose the standard viewpoint that gender inequality has diminished and provide evidence to support this claim. Their ideas of remedying gender inequality in the legal profession overlap as well as contradict one another. A discourse community is said to be resistantRead MoreIntroduction. Women In The Legal Profession Today Do Not1505 Words   |  7 PagesIntroduction Women in the legal profession today do not encounter most of the challenges that they were facing 50 years ago. However, gender-based issues still exist that females in the legal profession have to face in today’s world. According to the American Bar Association’s Market Research Department women comprised only 36 percent of legal professionals in the country in April 2016 (Smithey, 2017). The number of women in the legal profession has been growing in last few decades, but evenRead MoreQuestions On Employment Law Questions934 Words   |  4 Pagesby adopting strong anti-harassment policy. This should be clear to the workers and very strict measures being put against those who fall in the case. Periodically, training employees on the impacts of racial segregation is also very essential thus making them aware of the harassments and their impacts. Employers should also make sure they follow and enforce the policies they come up with. The policy should compose the f ollowing; The policy should clearly show the prohibited contacts which are takenRead MoreMarriage Is The Voluntary Union Of One Man And One Woman1662 Words   |  7 Pagesinstitutions to be able to marry same-sex couples at their discretion, safeguarding religious institutions and their delegates from victorious legal provocation if they refused to marry same-sex couples. This piece of legislation also warranted civil partners to metamorphose their civil partnership into marriage, and permitted transsexual individuals to alter their legal gender without inevitably terminated their existing marriage. The Scottish parliament have legislation in place to permit same-sex marriages;Read MoreGender Equality : A Fundamental Principle Of International Human Rights1229 Words   |  5 PagesGender equality is a basic human right. Yet millions of women around the world continue to experience discrimination. Some laws prohibit women to access housing, land, and property. â€Å"Economic and social discrimination results in fewer and poorer life choices for women, rendering them vulnerable to trafficking† (Women’s Human Rights and Gender Equality). 30% of women globally is affected by gender-based violence. Gender equality is achieved when women and men enjoy the same rights and opportunitiesRead MorePatriarchy And The Liberation Of Women1679 Words   |  7 Pagesdefined as a broad political agenda which implies a commitment to equality between the sexes and a commitment to gender as a focus of concern and to analytic approaches that reflect women’s concrete experiences . 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The Challenges of Financial Investment

Question: Explain the challenges of Financial Investment. Answer: The Challenge of Investing Today https://myassignmenthelp.com/mah_cms/uploads/image_2-1490080196.png are Developing diversified portfolio Taking suitable buying and selling decisions: Review and rebalancing of the portfolio Choosing stocks based on long term goals There are different options that are available in the market. The financial products have increased. It is important that suitable buying and selling of the stocks in the portfolio are made based on the different financial products. The specific challenges thatare there in the current stock market that have huge influence and impact on the investor decisions are as follows. The dynamism and uncertainty in the market has increased. In the current scenario the slowdown in the market isnt high enough to match the inflation rate that is prevailing in the market. This is to say that in the times of high inflation the interest rates were also high The complexity and the ambiguity in the financial markets has increased. Further after the financial crisis in 2008 the regulatory framework has made it more difficult to manage the investment as impact of these regulations will have to be considered The investor thus must focus on developing a portfolio that is diversified. Further proper research is conducted on the expected return based on the tools such as CAPM which is one of the most basic tools. Further it is important that portfolio is well diversified so that risk could be managed effectively Investment Information The stock that has been selected to be included in the portfolio, as shown above, is Citigroup. The company operates in the financial services industry. It is one of the oldest and largest financial service providers in USA. This is one of the strengths of the company as being in the industry for such a long time and having significant market share lends stability to the business of the company. Further the financial industry is the backbone of any economy. After the financial crisis there was a downfall in the market. However the stability of the economy is returning and the recovery of the economy is backed by strong financial support which is provided by the financial institutions. The company also has presence across various customers including consumers, corporations, governments, and institutions worldwide. The different services that are offered by Citigroup include traditional banking and commercial banking offering different services which include corporate, institutional, public sector, and high-net-worth clients. This segment provides wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivative services, equity and fixed income research, corporate lending, investment banking and advisory services, private banking, cash management, trade finance, and securities services. Considering the above discussion it can be said that the stock has been quite stable having tremendous growth opportunities. Overall it is advisable to purchase the stock as it will benefit the portfolio in maintaining steady growth and at the same time reduced risk as Citigroup has significant market share with good business operations to boost the stock price movement. Based on the current economic conditions and the strong business portfolio of Citigroup it may be beneficial for making investment in the stock. Portfolio Construction The table has been prepared showing the portfolio that has been developed based on the following criteria One hundred shares of Citigroup Inc. USAA short term Corporate Bond USA High Income mutual fund One hundred puts of United States Oil Fund (ETF) 6-month certificate of deposit (CD) with the leftovercash Portfolio Citigroup USA High Income Mutual Fund USAA SHORT-TERM BOND United States Oil Fund (ETF) Certificate of Deposit Total Nos. 100 100 100 100 Price $ 51.58 $ 8.45 $ 9.20 $ 17.73 Value $ 5,158.00 $ 845.00 $ 920.00 $ 1,773.00 $ 1,304.00 $ 10,000.00 The target of the above exercise is to develop a diversified portfolio. The portfolio signified above, consists of both high growth stable asset in the form of Citigroup while the corporate bonds that have been selected are aggressive with short term viewpoint. It is important to note that the Citigroup has been considered as a hold stock whereas the certificate of deposits provides stability in the form of low return and risk associated with it. Significant investment i.e. around 10% of the total investment has been made in the CD. Overall the portfolio has the attributes that are required. Risk and Return Based on the article by Tuchman it can be said that the risk and return have direct relationship. This is to say that as the return associated with the particular investment increases the risk associated with such investment would be high. Investment in single security exposes the investors to such risks resulting in making the investment vulnerable. The article highlights three ways in which return in an investment can be maximized by minimizing the risk. It is important to note that the risk associated with an investment is linked to the volatility in the stock price. The three ways that have been suggested reduce such volatility. These have been discussed below Diversification: Investment in a number of portfolios diversifies the risk associated with single security. This is beneficial as with proper balance of securities in the portfolio the return can be maintained whereas the risk associated with the portfolios reduce significantly. Rebalance: In this the balance of the portfolio is maintained by selling or purchase of the stock based on their ability to generate the return. However it is important that significant and frequent changes may not be made to the portfolio as it will result in short selling and the investor will not be able to take the advantage of compounding. Compounding: This refers t reinvestment of the earnings from the returns that have been generated. It is important that this may be considered as the investment made with long term horizon. Investors with short term perspective tend to make loss whereas in the long run the investors tend to gain more. Interpreting Beta The beta of Citigroup is 1.84. The beta signifies the level of risk and volatility associated with the stock. It signifies the level of risk associated with the stock cannot be diversified. The two possible reasons for such high value of beta of Citigroup are as follows Firstly considering the size and the market share of the company it can be said that the company is having huge impact on the economy and as well is impacted by the changes in the economy. This is to say that a small change in the economic conditions will have greater impact on the company as the market share of the company is high. Another important factor that may be there for the high beta value of the company is the international business operations. The presence of the company in a number of international locations exposes it to greater returns and risks. The factors that contribute to the performance of the company may be applicable for various international markets. Thus particular factors may be impacting a company having it operations in USA only to a certain extent but will have greater impact on Citigroup due to its presence in many international markets. Calculating and Analyzing Portfolio Beta The portfolio Beta is calculated by calculating the weight of each of the component of the portfolio. This has been shown in the below table Portfolio Citigroup USA High Income Mutual Fund USAA SHORT-TERM BOND United States Oil Fund (ETF) Certificate of Deposit Beta 1.84 1.1 1.23 1.05 0.5 Weight 0.52 0.08 0.09 0.18 0.13 The beta of the portfolio is 1.41. It is significant that beta has been managed and Economic factors influencing investment decisions There are several economic factors that can impact the performance of the security. These include inflation, interest rate, tax, subsidy, income level etc. The two major factors are the inflation rate and interest rates. In both the cases the investment reduces due to reduced demands of the funds. Another impact of inflation can be seen with respect to the return on the investment that has been made. This is to say that in case the return on the investment is higher than the inflation rate, it would be beneficial. In other cases the inflation rate may be higher than return on the investment that has been made, the return will not be there. Similar is the case with interest rates. In case higher interest rate is provided for the savings, the investment return will not be considered by the investors. At the same time the increase in interest rates will increase the cost associated with the use of funds and thus the demand will be impacted. The investors with fixed income are impacted most by the increase in inflation and interest rates as the earnings are impacted with these factors. Thus both these factors are hindrance to the investors as inflation reduces the earnings whereas interest rates impacts the cost related to borrowings and mortgage interest payments. Overall investment is reduced in case of increase in interest rates due to higher incentive for saving rather than investing. In the present case the investment in certain securities in the portfolio will reduce and at the same time the deposits will increase where the fixed returns are there provided the return is higher than the inflation rate. Market Anomalies There are many theories that attempt to explain stock market behavior. There are certain market anomalies that contradict the efficient market hypothesis. These have been mentioned below Small firms outperform January Effect Low Book Value Neglected Stocks Day of the Week Trading Of the above anomalies January effect is associated with the performance of the stocks in the month of January following the underperformance in the fourth quarter. The reason that is provided for such anomaly is that the investors use the losses made in the investment as a result of underperformance by offsetting capital gains taxes. Excessive selling can put the stock in the range of buyers thereby boosting the demand. Thus overall there is excessive selling pressure before January and after January the buying pressure is there due to favorable price of the securities. Thaler (1987) conducted the study on this anomaly. It was concluded that the average return in the month of January exceeds the average return in other months of the year. This is actually true for many countries that were part of the study. However the relation with the capital gain tax isnt there. For example the capital gain tax isnt applicable in Japan but still the January effect could be noticed there. The study conducted by Tinic and West (1984) highlighted that January effect is more prominent in case of high risk stock and that these stocks have shown higher returns in the month of January in comparison to the other quarters. January effect is certainly one of the most prominent anomalies. Further its is important to note that in the study by Thaler (1987) it has been shown that it isnt only the statistical phenomenon but has been supported by suitable reasoning. Financial Statement Review The financial statement analysis has been performed based on the annual reports for the last two fiscal years of the Citigroup. The three components i.e. profit margin, asset turnover, and leverage have been studied on how these contributed to the change in Return on Assets and Equity of the company. Firstly the three components are assessed individually. The net profit margin of the company which is the ratio of net profit to net sales made by the company has come down significantly. In the year 2013 this was in the range of 29% but reduced significantly in 2014 to 15% only. Considering the return on shareholders funds it can be said that the return has also come down significantly from 6.63% in 2013 to 3.45% in 2014. It is important to note that the return on assets has been significantly low in both the years. Lastly total asset turnover has been considered. In this there has not been significant change Considering the above discussion the various factors that contribute to the performance of the company are profit margin, asset turnover, and leverage. These aspects broadly provide an insight into the performance of the company. The other factors such as cash flow, liquidity and financial costs are indirectly affected by these factors only. Firstly considering the profit margin, it has reduced significantly. Profit margin has direct influence on the net profit margin, return on assets and return on equity. Thus the fall in the net profit of the company has deteriorated the performance of the company. Thus the profit margin has significant impact on the performance of the company. The leverage is another important aspect. It is significant to note that equity employed is quite low in comparison to liabilities of the company which majorly includes the debt. Thus it can be said that the assets that have been developed are majorly contributed by the debt employed by the company. Three important findings that have been discussed above are that there has been huge fall in the net profit margin, the return to shareholders fund has declined but the asset to shareholdings has not witnessed much change. From these aspects it can be said that the net profit margin and sales have been the major factors that have impacted return on assets and the return on equity. This is because net profit margin is driven to a certain extent by the sales and the return on assets and shareholders equity is directly affected by the net profit margin Bond Valuation The interest rate of 5% is used in discounting. The value of Moody's Seasoned AAA Corporate Bond is considered. The long term average for this bond is 7.23%. Certain assumptions have been made in order to calculate the value of bond. This includes the value to maturity and the years to value. The value to maturity is taken as $100 whereas the years to maturity is taken as 5 years. The calculations have been shown in the below table Year 1 2 3 4 Coupon 7.23 7.23 7.23 7.23 PV Value 6.886 6.558 6.246 5.948 Total 103.98984 The current value of the bond is being sold at discounted price as the current yield is lower than the value of the bond. The bond value is taken as the coupon payments that will be made and the value of the bond at maturity. The factors that have an impact on the performance of the bonds are the interest rate and the inflation rate. As the interest rates increase the price of the bonds come down. However apart from this there may be other factors as well. These include credit ratings and inflation. The inflation rate has similar affect as that of the interest rates. On the secondary level exchange rate also has an effect on the bond valuation. This is because as the exchange rate will come down the interest rate will be increased and thus the price of the bonds will come down. Lastly the credit rating means the ability of the company to pay back to the creditors. As the credit rating improves the bond prices increase whereas the fall in rating reduces the bond price. Fixed Income Securities The five type of risks that have been highlighted are interest rate risks, purchasing power risks, Financial Risk, Liquidity Risk and the Call Risk. It is important to note that all the risks do impact the performance and return of investment. However interest rate risk is one of the major factors that has to be considered. Based on this the target should be to mitigate other risks as well. This is to say that interest rate risk will aggravate the effect f other risks as well. For example, the increase in interest rates will reduce the price of bonds thus leading to liquidity risk whereas the decrease in the interest rates will lead to increase in bond prices leading to purchasing power risks. Thus proper balance will have to be made considering the interest rate risk and thus managing the other risks accordingly. It is important to note that the inverse will not be there i.e. liquidity risk or purchasing power risk leading to bond volatility or the interest rate risk. Thus it is important to consider this interest rate risk in the investment being made. Bond Analysis The yield to maturity of the most recently issued US treasury for various maturities has been shown below Based on this the yield curve has been prepared and shown below The above yield curve shows that in the long run the interest rates have increased in comparison to the short run. This is to say that the 3 month, 6 month and one year yield is lower than 5 year, 10 year and 20 year yield. This is done in order to safeguard the interest of the lenders considering the default by the borrowers. In case the yield to maturity comes down, the earning of the investors is lower. This will be shown by lowering of the yield to level below the rate based on based on higher return rate. The other case is that of getting closer to the maturity date. As seen above the yield is lower for the shorter period. Since the chances of default be lower the yield will reduce as the bond gets one year closer to its maturity. Lastly in case the market interest rates increase, the chances of default will increase. The interest of the bonds will increase thereby resulting in higher yield as the risk of default will increase. Using Black-Scholes to Value Options The Black-Scholes model to Value Options is shown below According to the above formula with the call premium being function of strike price, it will be dependent on the strike price. Considering all factors to be constant the call premium can be said to be directly related to the strike price. Thus with the strike price increasing the second part of the formula will increase there by reducing the call premium. In other words high value of strike price the premium will reduce. Future Contract Price Analysis To conduct the analysis for the future contract Gold futures is being considered. The current value of the Gold future is $1217.40. One year ago the future price of Gold futures was $1287.40. Based on the market conditions suppose the future contract was purchased at $1300. The investment that is made is $1,000. Also the loss that is made is of $12.6. Since there will be 100 shares in one lot, the loss will be of $1260. Considering this it can be said that loss will be made. This is because the future price is reducing. The future contract were purchased assuming that the gold price will go up. However it has come down. But since the contract has been made the future contract will be purchased. However if the same is sold in the market it will fetch only $1217.4. This will result in greater loss. But considering the future contract the loss will be of $1000 and $1260 i.e. $2260. It can be said that in near future the price of gold will go up. This is because the fall in gold price might be the result of profit booking. However the timing would be a factor and if one buys the future contract the profitability will be there as the markets will recover from the current position. It can be said that there is extensive fall in the prices and that the gold future market will recover. If futures contract value decreases to $1,217.40 an ounce ($4,540) -106.9% ($1,180) - 100% Portfolio Protection using Options In case of the anticipation that the stock in the portfolio will experience a significant decline within the next three months, different strategies can be potentially used to take advantage of to protect portfolios value. One of the strategies is to sell the call option. This will reduce the loss made on the stock. This will be beneficial as call option can be used even if the stock is not owned. In such a scenario if the stock price is $32 and the stock price falls to $30. In case of 100 shares call option the gain on call option is $100 whereas loss on 100 shares will be $200. Thus the net loss will be $100. In such a way the loss can be reduced. This is also called covered call option. The second option that is available is the short put. In case the trading price of the stock s $42.50. In such a case if the strike price is $40 it can be sold for $2.50. This will credit of $250 for100 shares. Thus in the worst case scenario $4000 will be paid but the advantage of $250 will be there. Thus it will assist in minimizing the loss in case share value comes down. The two strategies that have been discussed above are related to call and put strategies in options. The viewpoint of both the strategies is to minimize the loss that can occur. Mutual Fund Fees There are many factors to consider when selecting mutual funds for a portfolio. One factor is the fees associated with owning the mutual fund. The US High income mutual fund has an expense of 0.98%. Comparing it to the yield and returns i.e. 5.58% and 8.38% respectively it can be said that the expenses are on the higher side. It is important to note that the fee s based on the asset value rather than the returns, So there might be the cases wherein returns are lower and still the fee is paid. In the present case it may not be reasonable to say that the fee is paid as the returns are not high on this mutual fund. If the fee is a very large 2%, one will still going to pay that 2% even if the fund stays flat. If the fund drops 30%, one will still going to be paying 2%. So, in some sense, one never pay for performance investors always pay for assets under management. Thus in the present case it may not be justifiable topay the expense and it may be wise to shift to another mutual fund which is offering high return i.e. performing good or expected to perform good with low expenses due to its low price. Asset Allocation One of the financial service companies has offered to invest in oil related stocks and options. It has been advised that the investment that has to be made in stock to be kept at 50% and in ETF it may be kept to 30%. In this way the investment in the certificate of deposits will not be there. Considering the above option that is given by the financial service company it can be said that it is the high risk portfolio. The rationale behind this investment is that the oil stocks are trading at low prices and this value is bound to increase in future. However it can be said that in the long term it may be more suitable to invest in stocks that are less volatile. The volatility related to oil stocks is higher in comparison to the banking stocks. However to gain returns it may be done that the investment in oil options may be done. In the current scenario all the components of the portfolio are quite stable thus selecting the oil stock for investment in ETF will be quite beneficial. This will increase the overall return of the portfolio. In comparison there will be small increase in the risks. However this return will be higher in comparison to the increase in risk. Evaluation of Portfolio Performance The stock that has been selected to be included in the portfolio, as shown above, is Citigroup. The company operates in the financial services industry. It is one of the oldest and largest financial service providers in USA. This is one of the strengths of the company as being in the industry for such a long time and having significant market share lends stability to the business of the company. Further the financial industry is the backbone of any economy. After the financial crisis there was a downfall in the market. However the stability of the economy is returning and the recovery of the economy is backed by strong financial support which is provided by the financial institutions. The company also has presence across various customers including consumers, corporations, governments, and institutions worldwide. The different services that are offered by Citigroup include traditional banking and commercial banking offering different services which include corporate, institutional, public sector, and high-net-worth clients. This segment provides wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivative services, equity and fixed income research, corporate lending, investment banking and advisory services, private banking, cash management, trade finance, and securities services. Considering the above discussion it can be said that the stock has been quite stable having tremendous growth opportunities. Overall it is advisable to purchase the stock as it will benefit the portfolio in maintaining steady growth and at the same time reduced risk as Citigroup has significant market share with good business operations to boost the stock price movement. The table has been prepared showing the portfolio that has been developed based on the following criteria One hundred shares of Citigroup Inc. USAA short term Corporate Bond USA High Income mutual fund One hundred puts of United States Oil Fund (ETF) 6-month certificate of deposit (CD) with the leftovercash Portfolio Citigroup USA High Income Mutual Fund USAA SHORT-TERM BOND United States Oil Fund (ETF) Certificate of Deposit Total Nos. 100 100 100 100 Price $ 51.58 $ 8.45 $ 9.20 $ 17.73 Value $ 5,158.00 $ 845.00 $ 920.00 $ 1,773.00 $ 1,304.00 $ 10,000.00 The target of the above exercise is to develop a diversified portfolio. The portfolio signified above, consists of both high growth stable asset in the form of Citigroup while the corporate bonds that have been selected are aggressive with short term viewpoint. It is important to note that the Citigroup has been considered as a hold stock whereas the certificate of deposits provides stability in the form of low return and risk associated with it. Significant investment i.e. around 10% of the total investment has been made in the CD. Overall the portfolio has the attributes that are required. References Thaler, R.H. (1987). Anomalies The January Effect. Economic Perspectives. Volume 1. Number 1. Pp. 197-201. Available At: https://faculty.chicagobooth.edu/richard.thaler/research/pdf/seasonal%20movements%20i.pdf Tinic, S.M. West R.R., (1984). Risk and Return: January and rest of the year. Journal of financial Economics. Volume 13. Pp. 561-574 Graham, J. (n.d.). The Short Put Strategy - Selling Puts to Generate Income. Available At: https://discoveroptions.com/mixed/content/education/articles/shortputstrategy.html Petit, J. (n.d.). Applications in Real Options and Value-based Strategy. Available At: https://people.stern.nyu.edu/adamodar/pdfiles/eqnotes/opt3.pdf Bhattacharya H., (2004), Working Capital Management: Strategies and Techniques Green, R.P. Carroll. J.J. (2000). Investigating Entrepreneurial Opportunities:A Practical Guide for Due Diligence. Sage Publications Reily, F.K., Brown, K.C., Reily, J.R. Brown, P. (2011). Investment Analysis and Portfolio Management. Cengage; 10th edition Swensen, D.F. (2009). Pioneering Portfolio Management: An Unconventional Approach to Institutional Investment. Simon Schuster; Rev Upd edition Malkiel, B.G. Ellis, C.D. (2013). The Elements of Investing: East Lessons for Every Investor. Publisher Collins-Wiley