College App Essay Word Limit

College App Essay Word LimitEveryone has heard of college application essay questions; what you may not know is how many words are allowed. Many people believe that they can only write about three or four words per paragraph. That is far from the truth.Most colleges will allow five words per paragraph. However, as a student you should realize that the word limit is only for essay titles. Other forms of writing will be allowed as well. The rule that most students need to keep in mind is that they cannot cram too much information into one paragraph.If your essay is too long and does not have enough to break up the text then it is considered too long for the word limit. This is true even if the student has many points in it. Also, try to make sure that you do not use a lot of filler words either.In addition to the five word per paragraph rule, colleges usually have a four word per paragraph word limit on their applications. This is the proper word limit for a college essay. If the stude nt uses an extra-long term or long period in their essay then they will be flagged for doing so.As long as you are clearly communicating your own point of view, you should be okay. You do not want to use complex language that is over four words per paragraph. The four word per paragraph limit also includes adverbs, adjectives, and hyphens.The five word per paragraph word limit is based on the length of the reading section. It is not only the length of the main body of the essay that counts. Of course it is important to make sure that the writer is making his or her points clear. However, the paragraphs that you write should also allow for proper space and clarity.Do not use a subhead or a series of subheads when you need to write about something that is personal and you need to express your own personal opinion. Most college students will be trying to be helpful and talk about something that is helpful. However, do not write something as if you were talking about another student in a class.Try to avoid using slang or dialect unless it is something that is specific to your own personal experience. In this way you will not offend anyone but also you will not seem as if you are plagiarizing. Try to be as direct as possible with your points.

Essay Topics on Issues With Climate Change

<h1>Essay Topics on Issues With Climate Change</h1><p>Creating paper points on issues with environmental change may appear to be an overwhelming errand. A few people may ask how they can begin and some may attempt to divert them by disclosing to them that it is hard to expound on something that is new to them.</p><p></p><p>It is genuine that recorded as a hard copy a subject on an issue, you should go further than what is introduced in the news. A great deal of perusers would like on the off chance that you present realities as opposed to establishing a connection with their psyches. You should be inventive to make a story or article that would be fascinating and would get enough consideration from your readers.</p><p></p><p>When you are searching for exposition points on issues with environmental change, you have to initially know your essayist's specialty and afterward start. You won't have the option to compose on e ach subject that surfaces in the news. This is the place the way toward looking for inquire about material will prove to be useful. It is critical to assemble however much data as could be expected so as to more readily comprehend the subject.</p><p></p><p>If you don't have a lot of time, at that point you can go to the web to gain admittance to numerous new materials. There are numerous subjects on issues with environmental change on the web, including books, magazines, and sites. These are largely acceptable wellsprings of data that you can use to assist you with comprehension the topic.</p><p></p><p>The next thing that you have to do is to break down your needs. You need to realize what kind of article that you need to compose. You need to consider the subject altogether. See whether there is sufficient material accessible to assist you with composing on the topic.</p><p></p><p>Once you have assembled enough research material, you will have the option to locate the best theme for you. Attempt to consider the same number of fascinating approaches to introduce data to the perusers. You should remember that the perusers should be persuaded to peruse your essay.</p><p></p><p>Writing on themes with environmental change takes some time and exertion yet is well justified, despite all the trouble on the off chance that you are not so much sure how to compose. The most significant thing to recall is that you ought to dive in deep and present your perusers with a decent and fascinating story. When you do this, you will have the option to make an extraordinary essay.</p><p></p><p>Try to restrict your time when you compose. Try not to commit the error of over-composing, as this won't help you by any stretch of the imagination. Recollect that you ought to consistently be aware of the composing style that will get the peruser's attention.</p>

Research Paper on Software Engineering Topics

Research Paper on Software Engineering TopicsWriting a research paper on software engineering topics requires the student to look beyond the engineering literature. The key is to have enough exposure to software development. A good deal of it can be learned from books, magazines and course text books. Having a solid background in information technology will also assist with writing.It is important for students to be familiar with the software development industry. A great deal of software engineering has to do with the implementation of software. A solid understanding of it is necessary. The goals of a project can be achieved through doing well in class assignments and fieldwork.Students who are motivated by the problem that the project presents should take part in it. An ability to develop solutions to real world problems will be very important in this subject. Students should know how to implement it. A true interest in the subject should be present. Students who are able to delive r this combination are sure to perform at a high level in the project.A fairly common fact in the software development industry is the number of people who need or want to learn a new language. If a student wishes to learn it, he or she should find a way to do so. One of the best ways to do this is through the completion of a research paper on software engineering topics. This should cover one or more languages. The number of languages spoken in a particular area will dictate the size of the project.Writing a research paper on software engineering topics should be all about finding a way to communicate ideas to a group of people. This should not be a simple task. It will require a strong amount of research to get a point across. This is done by using a variety of sources. Some of the best sources for research are magazines, books and the internet.A good source for research papers on software engineering topics is working in the field. Software development companies are often very ha ppy to provide access to their employees for such purposes. It is a great opportunity for a student to gain insight into the field. However, such a project is usually a longer term commitment than a course level project.Online resources can also be used for research. They can also be very helpful in helping a student to decide what type of material to write. The advantage of writing a research paper on software engineering topics is that it requires a quick and detailed knowledge of software development. Most things learned in class can be applied in this format. Students can often get real world experience in these types of projects.Students who feel that they may have a tendency to be good at this type of project should consider studying and writing on software engineering topics. It will help them become familiar with various types of projects that they can be part of. A good grasp of this industry will be needed to succeed in the workforce.

Writing Essay For ADHD Students Accommodation

Composing Essay For ADHD Students AccommodationWriting an exposition for ADHD understudies accomodation is maybe the most testing part of their instruction. It is essential to give legitimate criticism just as appraisals to survey whether your ADHD understudy is staying aware of the required coursework.If you can peruse or talk somewhat English, composing exposition for ADHD understudies will be a breeze. In any case, in case you're not familiar with English, it might be difficult to expound regarding a matter that requires punctuation and information on language. A few hints that have worked for me are to arrange my contemplations before starting and to attempt to pick a subject and record every point first. This gives me a harsh thought of what I ought to compose about.The next activity when composing an article for ADHD understudies accomodation is to take notes about the various parts of the subject. Attempt to accumulate data like realities, conclusions, and other data identifie d with the subject. On the off chance that essential, make a layout with the goal that you remember to incorporate everything.One of the best and one of the extraordinary tips for composing an exposition for ADHD understudies accomodation is to focus on what's relevant. Perusers will have the option to identify with you on the off chance that you impart your considerations through realities and articulations. Keep in mind, they are the ones who will pass judgment on you when they see you attempting to impart your thoughts.To expound well on ADHD, ensure that you incorporate your general objective. For instance, in case you're expounding on the best way to manage the side effects of ADHD, incorporate the general objective of decreasing or dispensing with the manifestations and the advantages of utilizing the item. On the off chance that you are expounding on what diet to use for ADHD, ensure that you incorporate how it influences the wellbeing and prosperity of the ADHD child.You may likewise need to concentrate on key components of the discussion or subject that your instructor or teacher is tending to. Now and then, you will need to find out about the foundation of the theme with the goal that you can hand-off it to your student.There are additionally a few different ways on the best way to improve your paper. For instance, you might need to extend your point by including realities and citations from certain specialists. Likewise, you might need to include some in-content references, which implies that you're referencing the material in your essay.One last tip that has helped me a great deal in article for ADHD understudies accomodation is to compose rapidly. It tends to be hard for us to plunk down and compose a long article. Along these lines, rather than attempting to hurry through the creative cycle, attempt to accelerate your composition and get the data down on paper without avoiding a beat.

Long Run Performance Of Ipos Finance Essay - Free Essay Example

Sample details Pages: 21 Words: 6355 Downloads: 10 Date added: 2017/06/26 Category Finance Essay Type Narrative essay Did you like this example? This dissertation focused on the explanatory factors for IPOs performance. In the literature several models had been proposed to explain the factors for which investors required to have the knowledge of them. This study had several objectives among which to offered a theoretical comparison of the most renowned asset pricing models (specifically the CAPM the three-factor model), to investigated the nature or underlying economic reasons for size and book-to-market factors, and to considered the possibility that risk factors were time-varying over the market cycle. Don’t waste time! Our writers will create an original "Long Run Performance Of Ipos Finance Essay" essay for you Create order This research tried to present the most important findings in asset pricing from the beginning of modern finance with Markowitz (1959) to the most recent developments. For long time, the CAPM had led the way in which financial economists had thought about the relationship between risk and return. According to the CAPM, and in the spirit of the modern portfolio theory of Markowitz, investors were rewarded only for bearing systematic risk represented by the market portfolio. Specifically, the CAPM predicted that differences in returns between securities or portfolios of securities were fully explained by differences in market betas. In the 1970s, there was growing evidence that other factors than the market beta could had explanatory power for average returns and that many assumptions of the CAPM were unrealistic. Merton (1973) introduced the I-CAPM, and suggested that investors not only care about the returns of the market portfolio, but also about how market portfolio returns co-v ary with labor income and other investment opportunities. Moreover, Fama and French (1992) showed that the relationship between average return and beta had been historically weak and that portfolios of stocks with high book-to-market ratios and portfolios consisted of small-cap stocks had historically outperformed portfolios of stocks with low book-to-market and portfolios including large-cap stocks respectively. Furthermore, Fama and French (1992) showed that size and book-to-market effect encompassed other variables, such as P/E and leverage that had shown to have had predictive power for future returns. The main result of the academic search for new asset pricing models capable of explaining the anomalies of the CAPM was manifested in the Arbitrage Pricing Theory (APT) proposed by Ross (1976), which modeled the average returns as a linear function of multiple risk factors. However, the inability of the theory to identify the risk factors was a major limitation to the implement ation and usefulness of the APT. In practice, two different approaches to the multifactor model had been used. The first was the use of a microeconomic factor model, by adding some characteristics of the stocks to the market portfolio. Such was the Fama and French three-factor model, which added two variables to the market portfolio: SMB (the return of small-sized portfolios minus the return of large sized portfolios) and HML (the return of high book-to-market portfolios minus the return of low book-to-market portfolios). The second was the use of macroeconomic factors. Such was the model proposed by Chen, Roll, and Ross (1986), which identified the determinants of returns as the following five economic variables: growth rate of industrial production, change in expected inflation, unexpected change in expected inflation, unanticipated change in risk premium, and unanticipated change in the term premium. 1.2 Problem Statement The objective of the study was twofold: to investigate (1) what were the factors that determined the long-run performance of an IPO and (2) whether size was one of these factors. Specifically, this dissertation aimed to empirically examine the different approaches adopted by the CAPM and the Fama and French three-factor models and investigated the underlying economic reasons for the difference in returns between small and large-sized portfolios and high and low book-to-market portfolios. The ultimate objective of this research was to investigate the underlying economic variables that could explain returns, and also offered some practical advice to portfolio managers with regard to changed the asset allocation according to investment styles and overweighting or underweighting the portfolio beta. In order to do so, different models were introduced, to examine the behavior of asset pricing models in market trend and the behavior of small, large, value and growth stocks were analyze d according to different, volatility and default risk. 1.3 Hypothesis Size has a significant impact on the long-run performance of an IPO. 1.4 Outline of the Study In Chapter 2, the theoretical perspective of the CAPM and its main anomalies were discussed. In addition, the Fama and French three-factor model and other proposed multifactor models, as well as the most relevant literature, were explained. Chapter 3, presents the methodology and data used to test the models and the models used in the dissertation were explained in detail. Chapter 4, presents the results of the empirical research that proved the validity of the Fama and French three-factor model and reported the analysis on the stability of the models over time, the explanatory investigation of the underlying variables that could explain SMB and HML. The final chapter, Chapter 5, contained conclusion of the empirical results and integrated the findings of this study with portfolio decisions and offering some advice (1) under what circumstances value, growth, small, and large stocks perform better. (2) Whether it might be useful to derived different specifications of the CA PM according to the market trend versus a single unconditional model definition. 1.5 Definitions 1.5.1 IPO (Initial Public Offering) The first sale of a companys share to the public and the listing of the share on the stock exchange. 1.5.2 Long-run Performance It was here referred as beyond one year performance of a share after its floatation. CHAPTER 2: LITERATURE REVIEW Extensive studies had been done in various countries to examine specially, the long-run performance of IPOs. One of the significant researches done by Gompers and Lerner (2003) on Pre-Nasdaq IPOs in which they estimated the long-run performance of 3661 listed US IPOs from 1935 to 1972 and measured post five years returns after listing. Their findings supported the proposition that IPOs performance was affected by the method of return measurement. As it was obvious from the results that value weighted buy and holdout returns showed low performance whereas equal weighted buy and hold out returns or cumulative abnormal returns depicted high performance. It was revealed that when cumulative abnormal returns were utilized as a result the underperformance diminishes. CAPM and Fama-French three factor regression model was employed to evaluate the pre-Nasdaq long-run IPOs performance. The model consists of three factors. RMRF; that was value weighted market return minus the risk free rate, SMB; the difference yearly returns of small and big firms, and HML; the return on a portfolio of high book-to-market minus the return of a portfolio of stocks with low book-to-market. Results obtained from simple CAPM regression yielded insignificant intercepts implying zero abnormal performance whereas equal weighted Fama-French three factor regression model, produced significantly positive intercept at one percent confidence level. Ritter (1991) study encompassed long-run performance of 1,526 IPOs on NASDAQ and NYSE from 1975 to 1984. It had been observed that three factors could explain underperformance phenomenon in IPOs that include risk mismeasurement, bad luck, and finally fads and over optimism prevailing among investors. In addition to it, those companies were more vulnerable to long-term underperformance that went public in high volume years. Thirty one out of thirty six months average adjusted returns showed negative trend including thirteen reflected t-statistics low er than -2.0. There was also declining trend in the cumulative average adjusted returns which after two months of seasoning slightly bounced back then eventually slumped to -29.13 percent at the end of thirty sixth month. This provided reason to believe that underperformance of IPOs under study was both economically and statistically significant. Gopalaswamy, Chaturvedi, and Sriram (2008) conducted study on Indian primary market. The purpose of this endeavor was to critically examine the difference in long-run post issue performance of Indian IPOs through fixed price offer and book building offer. In addition, this study also evaluated the difference in IPOs post performance in particular; the above mentioned two routes of offering. They proposed that IPOs go with book building route performs far better in the long-run than fixed price IPOs. Results suggested that market performance of IPOs not only influenced by their prices but also period of issue and the industry sector in wh ich the company operates. It was noted that the route used for IPO did not influenced the short-run performance but it affected the long-run performance. Moreover, their performance also depends on the sector to which the company belongs. In a similar study done by Aggarwal, Leal, and Hernandez (1993) on Brazilian, Mexican, and Chilean IPOs investigated both the short-run and long-run performance of IPOs on a sample of 62 Brazilian, 36 Chilean, and 44 Mexican IPOs. It was discovered that investors who purchased and held securities for one year at offering got negative return. Sample companies belonging to Asian emerging markets showed large positive mean and median excess returns between the range of 36.5 percent to 78.5 percent with t- statistics of 6.83 significant at five percent level of confidence. Bessler and Thies (2007) did similar nature of study on IPOs in Germany for the period of 1977 to 1995 in order to found the insight to their inquisitive hypothesis of why some IPOs showed substantial positive and others showed substantial negative long-run buy and hold out returns. It was suggested that long-run underperformance was directly attributed to the size of the firm and this phenomenon was not because of an IPO effect. They pointed out that the after math financing activity was one of the critically significant factors in determining the long-run health of an IPO that distinguishes out performers and underperformers. Previous evidence suggested that markets for initial public offering (IPO) stocks may resided either of the two conditions which were known as hot-issue or cold-issue regimes. As Ritter (1991) believed corporations could benefit of the timings to go public that could be considered as what he called a window of opportunity and the stakeholders may felt optimistic about the future. At NASDAQ it had been through hot and cold trimming from 2000 to 2002 where shorter incentives were higher in hot issue. However profitability appeared higher on average for cold issue IPOs. Though the riddle as to whether the role of market conditions was important in the IPO activity of new corporation. It was because of the fact; venture capitalists were in good positions to influence the initial pricing of their shares and thereby tried to take advantage of it for their personal interest. Schwartz and Moon (2000) examined volatility of expected young corporations in which he believed that sales as a factor that could drive nubile technology corporations firm value. In addition to it, Pastor and Veronesi (2004) deduced a market value to book value of equity valuation model to represent that high level of volatility may justify the observed NASDAQ fluctuations. Here, the uncertainty about future returns was presumed to have a direct connection with return volatility and uncertainty and thus defines both; high stock valuations as well as high return volatility. IPOs performed an imperative role in initial equity financing. Hel wege and Liang (2002), suggested that there were normally lower earnings for hot issue IPOs on average but the future prospects were great. A descriptive discussion regarding initial returns and long-run performance of IPOs was in recent studies that figures out the difference between aftermarket and regular return behavior for IPOs in upcoming periods. Boehmer and Fishe (2002) assumed that underwriter activities such as price support may influence aftermath performance because of the influence on aftermarket return behavior. IPO performance in the longer run was generally rather weak when estimated against some market index. This may be due to the over optimism of investors to the earning potential of new growth firms as belied by (Ritter, 1991). On the other hand, Brav, Geczy, and Gompers (2000) determined that long-run underperformance was not just a common phenomenon to issued companies and could be explained by the risk factor model. Ljungqvist, Nanda, and Singh (2003) model which was based on sentiment investment behavior and short-sale constraints that provides empirical results to the initial under pricing and long-run performance of IPOs. Menyah and Paudyal (2004) used style stock selection methods to identify the aftermarket performance of IPOs. They compared returns for value versus growth IPOs, small-cap versus large-cap IPOs, and IPOs marketed by high-quality underwriters versus those marketed by low-quality underwriters. Interesting facts obtained from this study in which, value and growth IPOs did not showed statistically significant differences in returns for all holding periods and the large-cap IPO portfolios outperformed against the small-cap portfolio. Moreover, IPOs sponsored by recognized underwriters had great credibility in the equity market rendered sufficiently higher returns than IPOs sponsored by unfamiliar underwriters. In this study, after manipulating the degree of the credibility of the underwriter, value and small-cap IPOs m arketed by renowned sponsors provided significantly higher aftermarket returns. Chen, Jagadeesh, and Werners (2000) observed that mutual funds showed a propensity for holding small stocks, growth stocks, and momentum stocks in comparison to the market portfolio. The author perhaps believed that the fact that mutual funds and independent investors preferred to had small chunk of IPOs in their portfolios. Style portfolio selection technique that was mostly used by investment manager therefore it was believed that it could provide great insight into the aftermarket performance of IPOs. Investors would be able to get some important finding from this research by learning the style strategies to attain after market success for IPOs. It also termed with low book-to-market ratios to growth stocks. It was also gleaned from the recent studies that value stocks yielded higher returns against growth stocks. Rosenberg, Reid, and Lanstein (1985), Chan, Hamao, and Lakonishok (1991), Barber and Lyo n (1997), and Berk, Green, and Naik (1999) provided a comprehensive framework in which the book-to-market ratio that was considered as a variable that could estimate the firms risk with respect to the scale of its assets, and thus entailed a fundamental solution for classifying the expected returns on such stocks. Brav and Gompers (1997) also discovered that book-to-market ratios assisted to forecast long-run returns. LSE also showed favorable returns than growth stocks between 1973 to 1992 (Strong and Xu, 1997). In terms of market capitalization average returns of small capitalization stocks were higher relative to those of high capitalization stocks as noted by (Banz, 1981). This conclusion supports in favor of size as a determining factor for the long-run performance of IPOs. Small companies inherently yielded better returns than large firms according to (Levis, 1985). The instability such phenomenon was found common by sharing knowledge of diversified studies in the domain of IP Os for instance Chan et al. (2000) suggested that growth stocks and large stocks outperformed value and small stocks during the observed period under study. These finding may vary within the specified period of study. This study made an explicit emphasis by providing compelling corroborative evidence to support in favor of style analysis to understanding the aftermarket performance of IPOs. Aftermarket performance of IPOs also ensured the credibility of underwriters. Carter, Dark, and Singh (1998) showed facts that convinced the traditional view that IPOs sponsored by prestigious underwriters incurred a meager loss in the long- run. In support to the previous claim, Jain and Kini (1999) observation made similar connotation that highly known underwriters had their own stake to protect their reputation and reduce the likelihood of being associated with a poorly performing firm by effectively monitoring the managers of firms they take public after the IPO. They also provided evidence t o show that both the operating and investment performance of firms taken public by prestigious underwriters were better than those of less prestigious bankers. Some studies were in favor of banks that provided backup to IPOs normally showed positive return up to 1 year after issued (Dunbar, 2000). IPOs in developing markets for example Malaysia and Thailand had shown successful outcome in the long-run (Corhay, Teo, Rad, 2000; Allen, Kingsbury, Boonthanakict, 1999). Finland, Germany, and South African IPOs had also shown poor long-run performance, as in the USA (Lee, Lonhhead, Ritter, Zhao, 1996; Keloharju, 1993; Ljungqvist, 1997; Page Reyneke, 1997). Some analysts considered the underperformance and over performance of IPOs was a riddle that had not been ascertained to some unanimous endogenous or exogenous factors in general. There had been some parameters used by the financial industry that forecast the expected returns, one of them was an asset-pricing model, which was an appropriate measure for such purpose, as Banz (1981), Rosenberg et al. (1985), Fama and French (1992), and Brav et al. (2000) suggested that besides beta risk, size and book-to-market ratio were essential determinant of stock returns. Fama-French three-factor model had also been used to measure the long-run performance of Taiwans IPOs. Some believed that IPOs in developing markets faced stringent regulations therefore considered less efficient than US markets. The reasons behind the anomaly in IPO long-run performance were not clear some believed it was because of market inefficiency either due to the erratic activities of investors or just a glitch caused by wrong selection of a model. A comprehensive study of ISE IPOs demonstrated that performance was high in the very short-run due to the under pricing; however, results for long-run performance were not cleared. Granger, (1981) and Engle and Granger, (1987) used CAPM for estimating the long-run relationship of the IPOs. O tero and Mendez (2007) study analyzed whether the return of the companies that go public varies with respect to their size. Here long-run stock returns were employed to evaluate the performance of the companies. Consequently interpret the influence of size effect on the financial performance of IPOs. Companies with large size showed a greater initial return to investors and the effect was more felt to smaller companies. One possible reason found for the poor stock price performance after the initial public offering was that investors were over-optimistic about the profit potential of firms, but with the passage of time underperformance occurred as these over-optimistic expectations declined in the post-offering period. A sensible reason for such dramatic change occurred due to error in the overstated expectation of investors because of their over optimism about the earnings management practices around the time of the issue. This led, directors of IPO firms to inflate earnings by man ipulating accounting system or financial reporting system. If the market failed to discover that the high earnings reported represent a fictitious increase, negative post offering abnormal returns would be due to a gradual correction of the initial overvaluation as earnings management reverses. The market to book value ratio, also known as the price to book value ratio, was mostly used to evaluate investment forecast. Here the market value of a companys shares that was price which was divided by its book value per share that was equal to shareholders funds divided by number of shares outstanding. On the other hand, it was the ratio of market capitalization to shareholders funds. Some researchers were in favor of this methodology because they believed book value was a relatively stagnant measure that provides flexible comparability over time or across companies. One fascinating factor that supersedes the use of this parameter was that this measure could still be estimated for loss -making companies and companies whose EBIT was negative. On the contrary, there were some criticism lies behind the use of the book value because it did not reflect a firms earnings power or projected cash flows. It only represents the original cost of a firms resources and was pretty much influenced by accounting decisions on depreciation. The ratio may not be helpful in the valuation of subjects which did not posses sufficient fixed assets. In addition, growth stock companies may leverage net losses for several years, cutting their debts to make it more compatible in terms of balance sheet. The fundamental idea underlying all these models was that the average market returns were linear in the risk factors and that the risk factors employed were enough to explain the variance of returns, which was tantamount to saying that no additional factors were needed to further explained the average market returns; The CAPM considers the market portfolio as the sole determinant of avera ge market returns; the Fama and French (1992) multifactor model considers market portfolio, size and book-to-market ratios. On the other hand, the Chen et al. (1986) model considers some macroeconomic factors. Furthermore, as the contribution of this study entailed the consideration of how asset returns behaved in different economic regimes, under the assumption that the prediction and explanatory power of the asset pricing models could be enhanced by introducing the possibility of time-varying parameters (set of coefficients in the model), switching-regimes models and the most important findings in the literature concerning their use were also introduced in this chapter. The CAPM for long time had been the dominant asset pricing model used by financial economists and institutional investors and had led the way economists and practitioners had thought about the relationship between risk and return, specifically the CAPM of (Sharpe, 1964 ; Lintner, 1965; Black, 1972). The main streng th and attraction of the CAPM lies on the simplicity with which it offers a way to measure risk and to explain the relationship between the risk and expected return. The foundations of the CAPM rest on the work of Markowitz (1959), who developed the modern portfolio theory. Markowitz (1959) derived the background for the optimal choice of portfolios by making some assumptions, and specifically: Investors were risk averse; The model lasts for 1 period; mean and variance in the investment returns were the main components considered by the investors. Markowitzs model was called the mean-variance model, because investors select the portfolios that minimize the variance of returns, given the expected return, and maximize the expected return, given the variance. Markowitz (1959) derived a measure of risk and return for a portfolio of assets and he was, therefore, the first to mathematically show that an investor must consider the relationship among assets to build an optimum portfolio. From Markowitz (1959) on, it was accepted that diversification reduces the total risk of a portfolio and that the relevant risk was not the own risk of a single asset, but its average covariance with all the other investments in the portfolio. The natural outcome of Markowitzs (1959) analysis was the identification of the efficient frontier; a set of portfolios that had a given level of risk with maximum return. The optimum portfolio choice had been depend on the level of risk aversion and was mathematically identified with the portfolio that lies at the point of tangency between the efficient frontier and the investors highest utility curve. Sharpe (1964) and Lintner (1965) derive the CAPM by adding two important assumptions to the Markowitz model: 1. Investors had homogeneous expectations about the distribution of returns. 2. All investors could borrow or lend at the same rate known as risk-free rate (rf). An introduction of the risk-free asset with zero covariance with the market portfolio allowed deriving a new efficient frontier that was a straight line characterized by totally diversified portfolios perfectly correlated. In the new CAPM world, the efficient frontier became a straight line starting from the risk-free rate (rf) and moving to the tangency portfolio that identified the market portfolio. In the mean-variance efficient world, all the investors invested in the market portfolio and the risk-free asset in proportions that vary according to their level of risk aversion. The fact that all investors own the same risky asset portfolio was known as the separation theorem and was first proposed by (Tobin, 1958). The separation theorem states that the investment decision was separated from the financing decision. In other words, investors first identify the optimal portfolio of risky assets, which was the same for everyone, and then on the basis of their own preferences for risk choose the desired combination of market portfolio and risk-free asset, which determined the position on the straight line efficient frontier. According to the CAPM, the expected return on any asset was the risk-free interest rate plus assets market beta times the premium per unit of systematic risk (market premium). Where the excess return over the risk-free rate on a broad-based stock portfolio (proxy of the market portfolio).The CAPM indicated what should be the expected rate of return on risky assets based on their systematic risk or their sensitivity to the market risk (beta). The relevant risk measure for any individual risky asset was its market beta: a standardized measure of risk that related the covariance of an asset with the market to the variance of the market portfolio. According to the CAPM, the expected returns on securities were a positive linear function of the market beta, and the covariance with the market portfolio was enough to explained the returns. Markowitz (1959) outlines that diversification enabled the investor to a void all the risk apart from the non-diversifiable general economic risks. Since all other risks be avoided by diversification, only the sensitivity of an assets return to the market risk was relevant. Specifically, there were two types of risks: The diversifiable or idiosyncratic risk. This risk be eradicated through diversification by exploiting the low or not perfect correlation among assets; the non-diversifiable risk that was generated by macroeconomic and general factors affecting the entire market and hence cannot be eliminated. An investor constructing her own portfolio of assets was interested in the contribution of a single asset to the overall variance of her portfolio. To evaluate that contribution, the investor used the market beta; namely the assets covariance in terms of market divided by the total variance of the market. Investors must carry out a benefit-cost analysis when constructing their portfolios, where the benefit was the marginal increase in portfolio ret urn and the cost was the marginal increase in the portfolio variance. In a Markowitz (1959) efficient world, i.e. dominated by rational agents, investors want to maximize the mean and minimize the variance. Therefore, only the non-diversifiable risk was rewarded. That lead to the concept of the Security Market Line that defined the required rate of return of an asset as a linear combination of the risk- free rate and the market premium times the asset beta. As a result, the risk less asset, not being correlated with the market return and having zero systematic risk, had beta equal to zero, which implies that it did not contribute to the variance of the market return. In addition, the CAPM predicted that the asset with beta equal to zero must had a return equal to the risk-free rate. Any other risky asset had an expected return larger than the risk-free rate in the measure of the market premium times the asset market beta. In summary, the CAPM suggested that the expected return on any asset was the risk-free interest rate plus assets market beta times the market premium. Nevertheless, Black (1972) relaxes the assumption of borrowing and lending at risk-free rate and introduced the CAPM with a portfolio of risky assets uncorrelated with the market portfolio. In fact, many of the assumptions of the CAPM were unrealistic, but many be relaxed without major consequences. Reilly and Brown (2006) argued that all models had simplifications, but what really matter was their explanatory power and prediction ability. That was exactly why it was necessary to empirically test the CAPM. According to the CAPM, the only variable that had the ability to explain the assets expected return was the assets own beta. Put differently, market betas did not leaved anything else to explained. In the 1970s, tests on the CAPM showed that there was no relationship exist between expected return and the market beta. Financial researchers started realizing that variables like size, e arnings-price ratios, book-to-market ratios, leverage and momentum could play an important role for the explanation of average returns that goes beyond the market beta. Today, there was large evidence that the CAPM was not capable of explaining the difference in return among portfolios of stocks with different characteristics or when using different styles of investment. These results had important implications for many applications of the CAPM, not only when determining the proper cost of equity, but also when explaining the returns of different strategies and measuring the performance of portfolio managers. The following section presents an overview of the literature and discusses the most important results in relation to testing the CAPM. The CAPM had undergone many tests, amidst the difficulties given by the need of using a market proxy for the theoretical comprehensive market portfolio, which had cast doubts on the validity and applicability of the model itself. According to the CAPM, the efficient frontier was represented by portfolios that were linear combinations of the risk-free asset and the risky assets market portfolio. Therefore, the CAPM model predicted that the portfolios slope should be equal to the markets expected excess return and it should be plotted along a straight line had an intercept equals to the risk-free rate (rf). The first set of tests focus on the CAPMs prediction about the intercept and slope of the SML. They tried to examine whether the intercept corresponds to the historical average risk free rate and whether the slope applied to the estimates of betas corresponds to the average market premium. In particular, the most famous test was the Fama and MacBeth (1973) test that investigates the CAPM prediction that there was a positive relationship between beta and average expected returns. Specifically, a two-pass technique was applied. In the first stage, the betas for a set of portfolios were estimated and in the second stag e the extra returns of portfolios were regressed on the estimated betas. If the CAPM hold, the average value should be an unbiased estimator of the equity premium and should be greater than zero. Whereas, the CAPM refers to the expected market premium, which was always positive, the tests were based on realized market premium, which be negative. Furthermore, the tests on the validity of the CAPM consider portfolios, rather than individual assets. In fact, betas for individual assets were imprecise and create a measurement error when used to explain average returns, whereas betas for portfolios were more stable and less erratic. The first set of tests, such as Lintner (1965), found that the intercept was larger than the risk-free rate as measured by the monthly return of T-bills. Whereas common stock portfolios average excess return showed that market risk premium was more than the betas coefficient. Lintner (1965) also found a positive relationship between beta and average return, b ut flatter than expected theoretically. Similar results were obtained by (Douglas, 1968; Black, Jensen Scholes, 1972; Miller Scholes, 1972; Blume Friend, 1973; Fama MacBeth, 1973; Fama French, 1992).Moreover, Reinganum (1981) found that the relationship between beta and cross-sectional returns vary over time. Schwert (1983) argued that there was evidence of a weak risk-return trade-off. Tinic and West (1984) contend that the predictions of the CAPM were inconsistent over time and that the relationship between beta and returns vary with months in a year. Lakonishok and Shapiro (1986) found a stronger relationship between returns and size than beta. Such empirical findings contradict the theoretical relationship between risk and return advocated by the CAPM. Moreover, Black et al. (1972) used a time-series analysis to verify the relationship between beta and average returns. In order to solve the problem of stability of beta, they use portfolios instead of single assets. The resu lts indicated that when portfolios were selected on the basis of market beta (systematic risk), portfolios with higher systematic risk had lower returns than predicted by the CAPM, whereas higher returns had been observed on portfolios with low systematic risk related to their beta. In addition, Fama and French (1992) showed weak relationship between beta and average return in most recent periods. This indicated that the CAPM did not fully explained the historical realized extra return since a clear positive relationship between beta and return was theoretically expected but not supported empirically. The second set of tests, the one this study was more interested in, refers to the explanatory power of market betas. If all differences in returns were explained by beta, the coefficient on the additional variables in a multifactor model should not be statistically significantly different from zero. However, the problem was to identified those additional variables that represent an ano maly for the CAPM. According to the CAPM, the rates of return should be entirely explained by the betas. Hence, in order to test the validity of the CAPM researchers had focused on the presence of additional factors to the market risk that had a significant impact in terms of explaining stock/portfolio returns. Furthermore, the CAPM suggested that the variation in the securities and portfolios expected return were solely dependent on market betas variation. According to the CAPM, the riskiness of the economic activity was entirely captured by the market portfolio. Nevertheless, the empirical findings contradict this assumption. Basu (1977) found evidence that when stocks were sorted on earnings-price ratios, stocks with high E/P (earnings-price ratio) had higher future returns than predicted by the CAPM. Therefore, earnings-price ratios add to the explanation of returns and had predictive power of future returns. Banz (1981) documents that size could better explained average retu rns when added to the market portfolio. When stocks were sorted on market capitalization, small stocks showed higher average returns than the CAPM based prediction, whereas average returns on large stocks were lower than predicted by their betas. Therefore, a negative relation between size and average returns was established. Furthermore, Bhandari (1988) found that stocks with high leverage have had higher returns as compared to their market betas, measured as high debt-equity ratios. Thats why investors demanded extra return to recover the risk which wasnt covered by market premium in these stocks. In addition, Stattman (1980) and Rosenberg et al. found that stocks with high book-to-market ratios had high average returns relative to their betas. In the literature that findings was explained as the result of financial distress sensitivity of stocks with high book-to-market. In summary, Extensive evidence proved that beta cannot solely explain the expected returns. These results l ed to the market efficiency debate which leads to the conclusion that either market was not particularly efficient for long periods of time or they were efficient, but there was something wrong with the way risk was measured by the CAPM. Fama and French (1992) test the explanatory power when size, book-to-market, leverage and earnings-price ratios were added to the market portfolio. Specifically, Fama and French (1992) found that two variables, size and book-to-market which not only increase the explanatory power of the one-factor market model (CAPM) but also encompass the other variables. They concluded that size and book-to-market were enough to capture the variation in average returns associated with market risk, leverage, earnings-price ratios, size and book-to-market. Furthermore, Fama and French (1992) showed weak relationship was exists between average return and betas in the period 1963-1990 and they rejected the prediction of the CAPM. One of the possible defenses of the CAPM was the difficulty or impossibility to use the theoretical market portfolio in practice. Along the same lines, Roll (1977) argued that instead of using the true market portfolios, the tests were based on proxies. One did not know whether the CAPM was valid or not. However, Stambaugh (1982) tested the CAPM using arrange of market portfolios that included not only U.S. common stocks, but also contains bonds issued by corporate and governmental sectors, preferred stocks issued by companies and real estate sector. He found that tests of the CAPM did not depend on the use of market proxy beyond common stocks because the volatility of market returns was mainly determined by the volatility of stock returns. Whatever the reasons of the weakness of the CAPM, either theoretical or practical, empirical tests showed that most of the applications used in CAPM model were invalid (Fama French, 2004). The empirical failures of the CAPM pave the way for more complicated asset pricing model s. Since 1973, when Merton (1973) proposed the I-CAPM (Intertemporal CAPM), several models had been introduced on the basis that the assumptions of the CAPM were too simplistic and that several variables were needed in order to fully capture the variation of returns. Many unrealistic assumptions had been used in CAPM such as 1: investors only had concerned about their portfolio returns means and variances. 2: how labor income and future investment opportunities co-varies with the investors portfolio returns. According to the I-CAPM, the marginal value of individual wealth was affected by several factors, not only by the stock market returns. Therefore, the theory suggests that investors require a higher return for those assets that do badly in periods of financial slowdown and they require lower returns for the assets that represent a hedge against the periods of economic downturn. The main result of the academic search for alternative asset pricing models was the Arbitrage Prici ng Theory (APT) developed by (Ross, 1976).The theory assumes that the stochastic process generating asset returns be represented as a linear function of K factors of risk. In order to apply the model, it was necessary to select the risk factors and to estimate the ÃÆ'Ã… ½Ãƒâ€šÃ‚ ² coefficients, which represented the sensitivity of the asset to the risk factors and ÃÆ'Ã… ½Ãƒâ€šÃ‚ » risk premia for changes in the risk factors. Examples of the risk factors might be inflation, growth in gross domestic product, changes in interest rates and oil price among others. The basic assumption of the APT was that there were many factors of risk that affect returns unlike the CAPM where the only relevant risk factor was (beta) systematic market risk. However, the theory did not provide any indication of the relevant factors. Like the CAPM, the APT assumed that the idiosyncratic risk be diversified away and that, in equilibrium, the return on a zero-systematic-risk portfolio was zero. The major d ifference between CAPM and APT was that the CAPM defined the risk as a single market risk factor, whereas the APT defines the risk as several factors. Moreover, the CAPM had the practical advantage of identifying the single risk factor (the excess return to the market portfolio), whereas the APT requires the specification of the risk factors. The inability to identify the risk factors was a major limitation to the implementation and usefulness of the APT. In practice, two different approaches to the multifactor-model had been used. The first included the use of a microeconomic factor model; such was the three-factor model by Fama and French (1993) that made the use of the size and book-to-market ratio. The second involved the use of macroeconomic factors; such was the model proposed by (Chen et al., 1986). In the following sections the microeconomic approach, the three-factor model by Fama and French (1993), and the macroeconomic approach, the

Underrated Concerns About St Johns College Application Essay Prompts You Should Read About

<h1> Underrated Concerns About St Johns College Application Essay Prompts You Should Read About </h1> <h2>Who Else Wants to Learn About St Johns College Application Essay Prompts? </h2> <p>There are heaps of components that characterize a potential understudy. In spite of the fact that it's imperative to take an interest in exercises around school and the network, understudies should focus on the profundity of their contribution, rather than the quantity of exercises they're engaged with. Clinical schools need to discover that you have the characteristics and qualities they're chasing. With low grades, it's significant for understudies to have different components which make them stick out. </p> <h2> The Foolproof St Johns College Application Essay Prompts Strategy </h2> <p>Before, WUSTL's notoriety was developed on its status as a significant local college in the southeastern United States of america. Network Service Another fund amental angle in school affirmation is network support. Utilizing the inaccurate school name. </p> <h2> Choosing St Johns College Application Essay Prompts Is Simple </h2> <p>You need to recollect an exposition model should have an extreme tone to it, or in various words, it shouldn't be hilarious. As expressed already, an extraordinary exposition would adhere to the run of the mill individual paper design. Stephen's paper is somewhat compelling. You have to attempt to follow reminiscent composition while finishing this sort of exposition. </p> <p>The reason for the acquaintance is with give a brief look at the goal of the paper. There are a few exposition subjects that it is conceivable to use in your article. Two new exposition alternatives are included, and some of the past inquiries are reconsidered. Offer an article regarding any matter of your determination. </p> <h2>What You Don't Know About St Johns College Application Essay Prompts </h2> <p>One specific significant aspect of the paper is that the understudy doesn't rehash data which is as of now included inside all the structures, similar to evaluations and exercises the understudy is engaged with. Understudies ought to follow the ordinary individual article position. It's anything but difficult to find understudies not seeing how to compose school application papers. By taking distinctions or propelled position courses, an understudy shows they try to get information that wouldn't be gotten in a run of the mill course. </p> < p>Utilise the guide of our administration and don't be worried about how you complete the school. You don't should be worried about the should update and right the paper you make it from us. Simply sit down and revel in the ride. Clarify the vehicle association better. </p> <p>It's fundamental to take note of that the remarkable undergrad schools don't have separate confirmations forms everybody will apply through the indistinguishable application structure, regardless of what you foresee considering. Your school guide can offer significant knowledge into how to upgrade your school application expositions, so make a point to discover input on your drafts at whatever point conceivable. Finding an understudy visa is difficult work, however all things considered, it is in some cases a clear methodology. From evaluations to network help, most schools have explicit necessities they will look for in understudies. </p> <h2> The Little-Known Secrets to St Johns Co llege Application Essay Prompts </h2> <p>At times it's useful to see how others had the option to get over the troublesome first-line bump. Last, there are heaps of innovation organizations out there which are making a constructive outcome in everyone's day by day lives. Schools need to discover a sentiment of development and introspectionpinpoint the change and show your private development. The enormous pothole on Elm Street that my mom had the option to hit every day on the most ideal approach to class would be filled-in. </p> <p>The genuine point is to create an exposition that draws their consideration and as an outcome, makes you stick out. Nonappearance of adoration causes forlornness, and I feel the explanation I've been desolate in quest for learning is because of a lack of affection from the people who love what I love. There is anything but a brief to guide you, and that implies you should ask yourself the inquiries that will get at the focal point of the story that you need to tell. The real people profoundly acclaim our exposition help site. </p> <h2> The Tried and True Method for St Johns College Application Essay Prompts in Step by Step Detail</h2> <p>Thus, don't stall and benefit from your time before school begins! Along with the UK Essay Help students think that its difficult to be worried about the time yet get a kick out of a total life. Post-accommodation, there's typically a long holding up time before understudies get the chance to know about their confirmation benefits. Permit it to sit for a few days immaculate. </p> <p>It's conceivable to apply utilizing either application structure on every application course of events. There are bunches of acceptable and classy answers for your products out there, yet you may be in a situation to plan it with deliberateness on the off chance that you hold consistent with the point of the thing. In the first place, you must experience the sc hool application technique and get acknowledged. The individual utilizing your item should be the main need when you're planning. </p> <p>Additional there's a remittance to utilize precisely the same entertaining methodology used by the school. Consequently, you should invest significant time to tidy up your person to person communication accounts so nothing raises an eyebrow. </p>

Do I Just Do the Papers in the Class Do I Pass?

<h1>Do I Just Do the Papers in the Class Do I Pass?</h1><p>Is it extremely conceivable to see whether I simply do the papers in the class do I pass? Huge numbers of the universities in the nation will be considerably more ready to work with you in case you're in this circumstance, as they'd preferably not see you get a B or C. At the end of the day, it's essential to place yourself in their shoes.</p><p></p><p>In secondary school, my sibling and I were both continually being compelled to step through examinations. We despised stepping through examinations, however they were what our instructors expected of us. We would not like to be approached to do these tests, since we detested them, yet we were being compelled to. At the point when I was in secondary school, there was a hypothesis test that we needed to take, and that was a simple subject.</p><p></p><p>My sibling was being compelled to take a science and social exa minations subject, and he detested them two. Along these lines, so as to make it simpler for him, I persuaded him to simply do the science test and afterward skirt the social examinations test.</p><p></p><p>That turned out to be well, yet the explanation that I believe you're experiencing such a great amount of difficulty here is that he took the first, yet we never had to do the social investigations subject. I recently recommended that he was more brilliant than to need to spend his late spring considering everything about the most significant individuals in history.</p><p></p><p>You can pose inquiries about it and attempt to get familiar with it, yet on the off chance that they are constrained tests, they are regularly not going to be useful to you in your school profession. My sibling accomplished more in his vocation at that school than he would have at a college. What he did at the school he went to was fine, however it was the t ests that shielded him from exceeding expectations at his career.</p><p></p><p>This is something that an understudy's life ought to be about. In the event that you are in school to get a professional education, your future relies upon how much data you have learned about the world. That is the reason it's so critical to give your cerebrum constantly and vitality it needs.</p><p></p><p>Don't squander it, and ensure that you don't do things like attempting to concentrate a great deal, for instance attempting to get heaps of training tests, since then your mind will never have the opportunity to go through all the learning it can do. Figure out how to assume responsibility for your instruction, and give yourself the most obvious opportunity conceivable to prevail at college.</p>

Example Of Using STEM In A Science Class

<h1>Example Of Using STEM In A Science Class</h1><p>First, it is basic to bring up that a great deal of the models I am going to introduce in this article are very basic, and they are the absolute best instances of utilizing the STEM (Science, Technology, Engineering, Mathematics) term 'Pack of Reserch Papers' and a Science class paper. Be that as it may, they are additionally an incredible case of utilizing this sort of term in a science class. They likewise originate from the job of the instructor, and the utilization of words that identify with math.</p><p></p><p>This ought not be viewed as the main genuine instances of the utilization of this term. It is possibly intended to show that when the utilization of the term is done effectively, there are some great instances of utilizing this term in a science class. Truth be told, there are some genuinely extraordinary instances of utilizing this term. What I will portray in this article is one of the most widely recognized, and it is the most 'passionate' utilization of the term 'Bundle of Reserch Papers.'</p><p></p><p>You know, science can be far beyond only a logical strategy to take care of an issue. Intermittently understudies will get themselves sincerely engaged with the subject of a science class, and that is the place you need to get the most feeling out of the situation.</p><p></p><p>This won't occur in an exploration paper, yet it will happen a smidgen in a science class. I did one class in school that was centered around a particular logical subject. From the start we had a ton of extraordinary thoughts that surfaced in this class. Yet, as the semester went on, and there were a great deal of understudies, this turned out to be to some degree an issue for our teacher, and despite the fact that she needed to proceed with the class, she concluded that she expected to add a few changes to make the class more interest ing.</p><p></p><p>The change that she made was to have two gatherings of understudies, and one gathering would be doled out to compose an article that managed this specific science class. So way each gathering would concentrate on an alternate subject, and we could all talk about the point finally. Presently what normally occurs in the Science class paper is that the understudies would begin examining this specific subject, and afterward they would invest a large portion of the energy discussing it, and afterward would then wrap up with an outline of the thoughts that were in the paper.</p><p></p><p>After investing so much time discussing this fascinating idea, I regularly wound up standing up and leaving the room. Not the best inclination, yet it occurred. In any case, what I discovered happened is that during the second 50% of the class, the understudies would frequently be required to peruse a more established article about the poin t, and examine it.</p><p></p><p>Now for this situation the perusing of the more established article needed to occur in the middle of the perusing of the more established article and the perusing of the more up to date article. Yet, what I discovered is that they were really discussing the examination paper before the article that they were perusing. What's more, I believe that was the purpose behind the passionate contribution that they had.</p>

Columbia Business School Essay Samples - Tips For Writing Your Own Essay

Columbia Business School Essay Samples - Tips For Writing Your Own EssayColumbia Business School essay samples have become more popular among the many students that attend the university. The reasons for this popularity are very simple: these students do not want to struggle with their essays, or worse yet, they want to write an essay by themselves, without having to go back and read it over again.There are various types of essays available at the university, but all of them are quite different in how they will be constructed. It is therefore imperative that you take the time to figure out which one you will need for your specific requirements. This will greatly improve your chances of succeeding in your future efforts.One of the most popular types of essays is the term paper, as it has a large variety of essay topics. Students can choose from an essay about school, project work, literature and even music. At first glance, these different forms of essays appear to be very different. However, once you have finished reading it, you will discover that they are in fact very similar in structure.The fact that these Columbia Business School essay samples are so similar in format means that you have no excuse not to familiarize yourself with this style. In fact, if you do this, you will probably find that you save time and energy.What makes the Columbia Business School essay samples so similar? The main similarity is the use of the first person singular in each essay.This is the preferred style in writing essays because it permits readers to see what the writer is feeling. In essence, this prevents the writer from using any 'I' statements. Instead, the writer must only use the pronouns 'he', 'she', 'it'us'.This is also very similar to the style of writing that has been used in recent times. Just like modern day college students, a lot of essay samples are written using the singular, 'we'. These writers want to make sure that the student understands that the author, ju st like everyone else, is doing his or her best to share his or her thoughts with the reader.You can take this to the next level by using this approach and instead of writing an essay by yourself, you are simply writing an essay for a reader. This will undoubtedly allow you to write your essay more efficiently and without much difficulty.

Want to Know More About Essay Topics on Black History?

<h1> Want to Know More About Essay Topics on Black History? </h1> <h2>What You Need to Know About Essay Topics on Black History </h2> <p>Write a rundown of thoughts you have or a rundown of things you're keen on. Much of the time the title says what the rundown is about. Register with us currently to take pleasure in this great help. Make your rundown as long as doable enjoy a concise reprieve. </p> <h2> Essay Topics on Black History - Overview</h2> <p>When perusing such materials, it's imperative to observe the vital focuses which you would use to help your contention. It's in this manner critical to help the perusers to remember your focal contention and give a diagram of the main focuses. Moreover, the focuses you impart must be true. 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Classified Info on Term Papers Writers That Only the Pros Know Exist

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Techniques for Essay Topics Scholarships That Only a Few People Know

Techniques for Essay Topics Scholarships That Only a Few People Know Essay Topics Scholarships - the Conspiracy Parents must be at fault for providing a wholesome diet. They should talk to kids about drugs at a young age. They should talk to their children about drugs at a young age. Parents of bullies should need to pay a fine. Get the Scoop on Essay Topics Scholarships Before You're Too Late Hobbies improve your own personal skills. Home schooling is critical. School should occur in the evenings. Schools should eliminate class projects as they're useless. Schools should not have anything to do with ads. Students always go online when they have to find something. Children ought to be able to use cellphones in school. They should be required to read more. The Honest to Goodness Truth on Essay Topics Scholarships Naturally, topics which are still relevant in 2018 are the very best. Students need to be careful about posting on social networking. Presentation is essen tial. The Birth of Essay Topics Scholarships One other important issue when picking a persuasive speech topic is to select a topic that may provoke your audience a little. It's important to understand that essay topics are just basic ideas that leave you pondering a notion that might be a huge deal to somebody else. Selecting a persuasive essay topic may take plenty of time without ending up with the good solution. Selecting the correct topic for a persuasive speech is occasionally not such an easy matter to do as it might appear. To begin with, if you're arranging a persuasive speech, you ought to think about a topic that may create mental pictures in the minds of your audience. The reader ought to take the author's side by the close of the reading. Our life is about words. When you're permitted to write about whatever you want, never rely on somebody's thoughts about this issue you like as a pivotal criterion for your choice. A persuasive speech resembles a difficult challenge for many students. Argue that public higher education has to be free for everybody. A broad subject always seems simpler to write about as you're able to locate a lot of materials about it. Getting the Best Essay Topics Scholarships The significance of research in persuasive writing may not be overstated. Normally, professors give plenty of freedom in picking out persuasive essay topics. A student ought to keep in contact with the hottest trends and know which persuasive essay topics are related to sound convincing in regards to defending personal opinions. Many students have a tendency to encounter the writing issues due to the dearth of suitable comprehension. Whispered Essay Topics Scholarships Secrets Keep in mind, persuasive essay topics don't need to be politically correct all the moment, they are sometimes controversial. If you're thinking about how to compose a persuasive essay, you must know that writing an essay is a complicated course of action. Persuasive essays share a good deal of resemblance with argumentative essays. All persuasive essays are like argumentative essays. Before you commence working on the paper, you must go through several topics to compose a persuasive essay on. There are a lot of intriguing topics that could be become a persuasive essay if you take the opportunity to think about doing it. Every American should learn how to speak English. Essay Topics Scholarships - Is it a Scam? Before actually beginning to compose your essay, you have to choose an issue to write about. The simplest way to opt for a persuasive essay topic is to explore a present issue. Animals should reside in their normal habitat instead of zoos. Essay Topics Scholarships: the Ultimate Convenience! On the opposite side, acquiring a list of good persuasive essay topics is inadequate. The use of the essay is to select an argument and attempt to persuade the reader to adopt it. Persuasive essays are a really good approach to encourage the reader to check at a particular topic in a different light. So, the best method to compose a terrific persuasive essay is to discover a theme you're familiarized with and wish to share your experience with the reader. Normally, having three significant arguments to show your point is sufficient for a convincing paper. There are just a few things that define whether an essay you're working on is going to be a good one. The question could be part of your introduction, or it may make a wonderful title. To choose which subject you're likely to discuss, it's crucial to see the complete collection of good persuasive speech topics from the special area of study.

How to Write a College Review Application Essay

How to Write a College Review Application EssayYou may be wondering how to write a college review application essay. What would you expect to find in one of these? Read on to find out.Students are very particular about the final document, they submit to colleges, universities and high schools. This is so because many think that one of the primary purposes of submitting an application to get into college is to get into an excellent college or university. This is one goal.What students need to know, though, is that college review essays are not all about what you think about the college you are going to attend. They also need to know that it is about how well you apply to the college or university you are interested in. Knowing how to write a college review essay helps both students and parents in making this determination.The first thing you should look for when writing a college review essay is to include your personal statement (PS) as a part of the essay. The PS is your chance to e xpress yourself about yourself and why you want to attend that particular college or university. It does not have to be lengthy, but it should be realistic and specific. In addition, you should state your personal goals as well as those of your family.When looking at how to write a college review application essay, you also need to know about using current events to support your narrative. Most importantly, do not repeat something that has already been said in a previous paragraph. For example, if the last paragraph talked about what was going on in the student's life at the time the essay was written, make sure that you state something new and specific in the next paragraph.Many writers think that they know how to write a college review application because they have taken classes and reviewed previous essays in the past. In reality, that is not the way to go. Writing a college review requires that you use your own experiences and make a statement about yourself based on what has ha ppened in your life so far.Another important aspect to how to write a college review application is that you take into consideration the fact that the College Board is a big business. The College Board wants to see their students get into good colleges and universities and thus, they will often give the college you attended, no matter how good, a low grade. Do not go into the College Board's office with a case that you just feel should give a higher grade than another college. Ask questions about how the process works, for example, what would you like to see changed.Having read this, you now know how to write a college review application. The last piece of the puzzle is to talk to a college counselor who can help you with what to write in your essay.

How Long Should a Term Paper Be? - What You Need to Know

How Long Should a Term Paper Be? - What You Need to KnowIf you are writing a term paper and you want to make sure that it is the best in its class, then you should know how long should a term paper be. It is not enough for it to be okay.You want to make sure that you find the appropriate length for your term paper. You will not have to worry about what the other students in the class think, however. This is because most of them will be using the term paper to help prepare for an exam in the future.You should know that there are actually two main types of papers that are used in college or university. One is called the thesis paper and the other is called the research paper. Theses are harder to write, as they need more information and in some cases may take much longer to finish than a research paper.It is important to be very careful with your term paper because you want to make sure that it is informative and is good enough for the students. If you do not have much experience in wr iting essays, then you will want to avoid getting someone else to help you. That is a waste of money.You should be certain that your term paper is worth three hours of your time. Since many students are taking tests before the end of the semester, you will need to use the term paper to prepare yourself for when you have to take them. Your essay should be taken seriously.If you have already decided to write a term paper, then you will want to start doing so now. You should do it immediately after the semester has ended, or at least as soon as you get some free time. If you wait too long, you will not be able to get the essay all done before the semester begins.How long should a term paper be? The answer is that it depends on you. You will want to try to avoid using too much filler in the essay.

History Coursework †The American Civil Rights Movement Free Essays

string(45) " of its obvious bias but it is still useful\." Question 1a: What type of discrimination is shown in source 2? Question 1b: How does source one support what’s happening in source 2? In Source 2 we see racial discrimination in the form of segregated drinking fountains for white men and black men. Source 1 states â€Å"you would eat in a separate place and use a drinking fountain labelled coloured† and in source 2 we see visual evidence of this happening. Question 2: What types of discrimination are shown in sources 1-5? In source 1 Martin Luther King tells us that the black man suffers segregation in hospitals, schools, parks, pools, waiting rooms and are treated unjustly in the courtrooms. We will write a custom essay sample on History Coursework – The American Civil Rights Movement or any similar topic only for you Order Now We are told this in this source 5. In source 3 we find that vehicles carrying black passengers had to wear a colour different and contrasting to the whites’. We also find that airport facilities were segregated along with seating and betting when concerned with sport. Inter-racial boxing and wrestling was prohibited. In source on the black right to vote was denied and promotion in a job went to your white co-worker, regardless of how much more talent you had. Most blacks could only get jobs concerning menial manual labour. The formation of ghettos of blacks was encouraged and this shows discrimination in housing. In source 4 we are told that a black person fears death because she is black even more than ‘hunger hell and the devil’. This is mental intimidation. In source 5 we are told that a black woman is killed simply because she spilt a drink over a white man. This is intimidation. Question 3: How reliable are sources 7-10 as evidence of white peoples reaction to desegregation is schools? Source 7 is a limited source. This is how I came to this conclusion: The New York Times is a reputable, famous newspaper. It is renowned for its neutrality, and it thinks that segregation is not the way to go. I am forced to ask, did the newspaper cut out a pro-black section from the whole caption of text? If so, why? Would it have been to please the main readers who share the view of the newspaper? Would it have been to curry up support or more readers? (Black readers). Is the newspaper politically biased? Is it voicing its opinion through careful selection of racist sources? Is it an eyewitness account? If so, who was this witness and if not then how long afterwards was this account written and how accurate are the words in the text? Is the text taken out of context? Was this all that happened on this day? The answer is more than likely no because the conversation recorded seems only to last a few seconds. Source 8 is another unreliable source. This is because the photo could have been cut down to focus in on Eckland when something relevant could have been happening outside the frame. Photographers are sometimes biased and they might zoom in on a particular section or area in the photo that has a lesser importance than others etc. Was the photographer biased? We cannot tell for sure whether the helmeted guard is stopping Eckford from entering Little Rock or clearing whites from her path. We also cannot be sure if the people behind her are shouting abuse or support still expressions are usually very difficult to interpret, like these. The New York Times might use this image in its news report on this incident to increase support further and to please its majority audience, anti-segregationist whites. If a caption were included in this image, then it would convey a different image than it does captionless. In a caption, a writer could highlight the helmeted guard on the extreme left, the crowd behind the black schoolgirl or Eckford herself. If they presented a bad image of Eckford then it would make believable evidence (If collected from a reliable source). This source does not necessarily sum up the view of all whites, as only a small minority are shown. One could predict that a lot of whites had this same view or one could also predict that the students at Little Rock were the only racists in America at the time. Source nine is a direct, factual eyewitness account of what happened in source eight. Everything that is said is factual. There is no opinion and therefore no bias. I might ask was she really spat at or did she make that up for sympathy/pity? But if she lied, then why would she add in the part about that sympathetic white man at the end if she wants to portray a negative image of whites in general? The check up on the reliability of this source, check out sources 7 and 8. 7 tells us that the whites disapproved of the black girl going into the school and 8 proves to us that Eckford was going into Little Rock, Arkansas with a crowd of whites and a guard present. Question 4: How useful is source 11 to an historian studying segregation in the south? Source 11 is a biased source. We can tell this through the statement that was made: â€Å"segregation is desired and supported by the majority of both races in the South, who dwell side by side under harmonious conditions† This is a blatant lie. Everyone around at that time new what a lie it was. Blacks do not live harmoniously with whites in the South. Eastland defends segregation in a very open manner. â€Å"Segregation promotes racial harmony†¦segregation is not racial discrimination.† We must take into consideration that the person speaking has authority and is in the US Senate and is a Senator for the Southern State of Mississippi. A similar view to this is probably accepted by 80-90% of the southern population. White Anglo-Saxon Protestants take up most of the Southern states. This source is unreliable because of its obvious bias but it is still useful. You read "History Coursework – The American Civil Rights Movement" in category "Papers" It shows us how southern W.A.S.P.s felt; it tells us that they would try to justify the discrimination against blacks in America any way they could.. I would gamble that Eastland did not even believe the words he said during that speech. Blacks certainly wouldn’t and southern Whites would see it as an excuse to continue discriminating and justifiably, in their eyes. This man objects to the supreme court ruling and the involvement of the Federal Government. To prove this here is a quote: ‘Free men have the right to send their children to schools of their own choosing, free from governmental interference.’ This source does not represent all southern senators. We only have evidence that this represents one southern senator. To get the full picture we need the entire speech that he gave. He could have changed his tone further on in the speech for all we know. He is even prepared to introduce the states rights issue to win his argument: ‘ Free men have the right to send their children to schools of their own choosing, free from governmental interference.’ There is a certain warped kind of logic found in his argument. It is useful because it shows us how some Whites defend segregation as a good idea. Question 5: How is the behaviour of white people towards black people shown in sources 8 and 12? Source 8 shows a crowd of Whites behind Eckford (on her way to school) shouting at her and Source 12 shows 3 civil rights supporters sitting at a lunch counter designated for Whites only, being smeared with mustard, ketchup and paint. The offending crowds in both photographs portray accurately the views of bigoted whites at the time and the victims in each photograph demonstrate the view of liberal Whites. Question 6: `Bob Dylan promoted the civil rights movement.` How accurate is this view of Bob Dylan’s motives for writing `The lonesome death of Hattie Carrol?` This source induces a lot of questions such as what motives did Bob Dylan have for writing this song? His motives were more than likely for financial gain, to become famous and to convey his message to all his fans. This source lacks an essential item-Dylan’s own view. It has the views of his ex-girlfriend, Joan Baez, Bernice Reagan, a black student activist from Albany and Patrick Humphries, author of numerous books on Dylan. But no Dylan. However this does not affect reliability. When Humphries criticises Dylan by saying ‘He hi-jacked the folk bandwagon to his own ends to make a career’. I think he means that Dylan used the work of others to further his career. He also implies that he is not only in it for a good image and that he is sincere. I agree to the extent that I think Dylan used the influences of folk artists but not their worl itself. He also implies that Dylan is temporarily involved in politics. Joan Baez does not doubt Dylan’s motives. She says she was the politically involved one of the couple while Dylan was simply in search of fame. Contrary to this statement, Baez also states that he put his principles before profit. Because she is the ex-girlfriend of Dylan, this source is not entirely reliable. She may be bitter towards Dylan because the relationship did not work out or she may be biased against him for the same reason. Another reason could be jealousy that Dylan was rich and she was not as a result of the break-up. She would be the most likely candidate to know Dylan’s motives because she was so close to him but she would also be most likely to be biased against him because their relationship failed. Reagan presumes that Dylan has integrity and is not a user. Also, she says he risked his career and that he was a power with a voice. She was impressed by Dylan and this shows he has a definite impact on people through his song writing. This song could be useful to a civil rights supporter like Bernice Reagan because it could be used, as evidence against racists and it would be a popular support for their case. Personally, I think Dylan was writing this song primarily to get the message across, very closely followed by his desire for money and fame. If it was to be a money making song he would have had it neutral or anti – Hattie Carrol because the Whites were the people who spent money on records at the time. Aiming the song at Blacks would not have been the smartest thing to do if he wanted to make money in 1930’s America. Question 7: `The life of American Blacks has undoubtedly improved since the 1950’s`. Using all the sources and your own knowledge, how far do you agree with this interpretation of the changes in the lives of American Blacks? Between the 50’s and today, life has definitely improved for blacks living in America. They have the right to vote in both federal and state elections and were protected to vote. They had been released from the shackles of segregation and had achieved legal equality by the four civil rights acts passed in the 1960’s – o 1964 – civil rights act o 1965 – voting rights act o 1967 – ruled by Supreme Court that state laws forbidding inter-racial marriages was against the constitution o 1968 – civil rights act (fair housing act) But although laws were made and systems and procedures were changed it would take a lot longer to change the minds of racist whites. These achievements however do not prove that economical and social equality exists. A lot more work needs to be done i.e. attitudes of racists white towards blacks and those of blacks towards racist whites etc. The evidence used in these sources is limited and the implications made are determined by personal interpretation and above all most of the evidence is biased either towards or against blacks. Because the evidence is biased, either towards or against blacks. Because the evidence is biased and some sources contradict others it is made very hard to conclude with this evidence. Also, concerning personal interpretation it all depends on the attitude of the historian and attitudes will change undoubtedly over the next decade or so and will probably continue to change until the end of that historian’s life. Despite the improvement blacks have experienced, a lot more improvements need to be made. Source 2 is an easily analysed source. It shows a segregates drinking fountain. This is not likely to be biased but we must still ask who took the photo? , Was he/she biased? , Has he/she left anything out of the picture for any reason? Also, what was the photograph taken? It is possible it was taken for a neutral source, as there is no caption. Given the right caption, this image could have a very different meaning where the photo is concerned. Source 3 tells us of the various different forms of segregation in waiting rooms, seating where sport was concerned, transport, inter-racial boxing and in other airport facilities. It simply states what the laws were. How to cite History Coursework – The American Civil Rights Movement, Papers