Ethics Bank Bailout

This paper explores the ethics of bank executives receiving large bonuses despite the fact that they received a bailout. I identify the utilitarian and deontological implications of these executives’ actions. This paper also examines if the executives deserved the bonuses, did the banks need a bonus, and how the banks should have been regulated by the banks.Keywords: bailout, utilitarian, deontologyEthics of Bank Bailout BonusesCurrently the economy is still in â€Å"The Great Recession† largely due to the fallout caused by banks. Banks caused this fallout by giving out home loans to unqualified borrowers.  The banks approved loans they know could not be repaid by the borrower because of the terms such as adjustable rates.These home loans started defaulting; which started a domino effect of bank failures, further driving the economy into a downward spiral. In came the government, armed with astronomical sums of money determined to rescue these large financial institut ions. Enrich, Hilsenrath, and Solomon (2009) state that 700 billion dollars of taxpayer money was used to bailout these banks under the Troubled Assets Relief Program (TARP).It wasn’t long after these bailouts that these banks continued to reward the executives with large bonuses. Should have these top executives of these major banks that received the bailout money been allowed to receive large bonuses? I say definitely not because it was wrong under the provisions of utilitarian ethics which I believe should have been applied in this situation. These executives were at the helm when these banks failed. Bonuses should be rewards for success not compensation for a title or position. If these banks had enough money to give bonuses then the question of do they really need a bailout should be asked.Furthermore, this bailout money did not belong to the banks to give out as they pleased, it belonged to the taxpayers and the money should have been accompanied by stringent regulation s imposed by the government. A bonus is normally given as a reward for production or as an enticement for favored behavior or performance. On Wall Street a bonus is an equivocal right with no strings attached. Success or failure does not matter. Being an executive in the country’s most powerful financial firms is justification enough to entitle them to a bonus. This is the methodology that these institutions follow.Executives used deontological ethics because they focused on their rights and entitlements as executives. They decided their rights to large bonuses outweighed the importance of righting the economy which affected the entire country. Meanwhile, these are the same executives that were in charge when many American’s retirement plans and investments were depleted or completely wiped out. These were the same executives that oversaw an industry that gave out home loans with impossible repayment terms. It can be argued that the banks caused the entire financial wo es that are still present today.Instead of the institutions terminating their executives for not stopping their organization’s misdeeds they were rewarded. These bank executives drove their institutions to the brink of demise. Yet, they were still rewarded with multi-billion dollar bonuses. How could this be justified or ethical? According to Freifeld (2009), Citigroup Inc. , Merrill Lynch & Co. and seven other U. S. banks paid $32. 6 billion in bonuses in 2008 while receiving $175 billion in taxpayer funds through TARP. That means that almost 20% of the government’s bank bail-out to these banks was used on bonuses for their institution’s executives.The question has to be asked, â€Å"Could the bank bailout have been 20% less to these banks? † An even more interesting question would be, â€Å"Did these banks really need the bank bail-out money? † These executives took an ethical egoistic approach by accepting these bonuses. Andre and Velasquez (198 9) explain that three steps to apply utilitarianism to any situation to decide a moral course of action. The first step is to identify all the course of actions that are available in a situation. The second step is to determine all the beneficial and harmful consequences of each course of action for everyone affected by the action.Finally, the third step is to select the course of action that provides the greatest benefits after the costs have been taken into account. Let’s apply this theory to the bank executives and their choice to receive a large bonus. First step would have them identify all their course of actions available to them, which was to take or leave the massive bonus. Secondly, was to determine all the beneficial and harmful consequences for each course of action for everyone affected by taking or refusing the bonus. Those affected by the taking or leaving the bonus include the executive, the financial institution, and the taxpayers.The beneficial consequence o f taking the bonus for the executive is a very large sum of money. The benefit to the financial institution and the taxpayer is none. The harmful consequence to the executive would be obvious, which would be the loss of a tremendous amount of money. The harmful consequences for the financial institution would be loss of capital that could be used somewhere else more productive and the loss of the government’s confidence. The harmful consequence of the executive taking the bonus would be an increased budget deficit which may lead to higher taxes and loss of federal program funding.Finally, weighing the consequences using the utilitarian theory the greatest benefit would be for the executives to refuse the bonus. The right decision for these bank executives would have been to take a utilitarian ethical approach and not accepted their bonuses. These bonuses hurt the government and the people of the United States by costing the bailout more money than necessary and creating a lar ger deficit. Thus, the act of the executives taking their bonuses was morally unethical under the theory of utilitarian ethics because the consequences were more harmful for the greater population.Instead, these executives prioritized their needs and wants higher than the needs and wants of the people. Financial executives were following the ideology of deontology when they made their decision to take their multi-billion dollar bonuses. According to Alexander and Moore (2008) deontology is based from the word â€Å"duty. † I believe that these bank executives felt it was their duty and entitlement to take the bonus. Also deontologists believe in following the rules even though the act may be considered the right thing to do even if it produces bad consequences (Alexander & Moore 2008).They were not breaking the rules or law when they took their bonuses because there were no regulations or rules against them doing so. They followed the rules and it produced the bad effect of c reating a larger than necessary bailout amount. On the other hand however, the government made the bank bailout loan on good faith. Utilitarian ethics were applied in the decision to give out the loan because they feared the banks would ultimately fail without the money. The choice was made out of consequence. The consequence of failing banks would be a country with an even worse economy and completely ruined financial sector.Thus, the government acted and followed utilitarianism’s theory of the greatest good, for the greater amount of people. The government should have not rushed to give the money to the banks without devising stricter regulations. Restrictions were placed on some executive compensation for participating banks, but did not limit salaries and bonuses (Despite Bailout 2008). If the government had placed limitations regulating excessive bonuses this could have been avoided. Executives would have been able to follow either consequential or deontological ethics b y following these limits imposed.Instead the government through legislation did not impose sanctions against bonuses as part of TARP. By failing to do so they left the door open for banks and executives to make ethical choices on their own. I explored the utilitarian and deontology implications of the bank bailout bonuses. I found that the bank executives should not have taken the bonuses after receiving bailout money from the government by using the utilitarian theory because ultimately the consequences were more harmful than good for greater population. I also explained why executives should not have received the bonuses based on their and their institution’s performance.I also questioned whether the bank bailout money was necessary because the banks had enough money to give out large bonuses. Also discussed was the idea of the government imposing stricter sanctions with the TARP legislation forbidding large bonuses. I also stated that the bank executives could have been et hically right under the pretense of deontology. Deontology’s theories revolve around duties, rules, and obligations (Waller B. , 2008). Therefore, the bank executives felt they had the right and duty to an enormous bonus as heads of multi-billion dollar financial institutions. They also followed the rules by accepting the bonuses.

Evil Hour in Columbia by Forrest Hylton Essay

Forrest Hylton in his book Evil Hour in Columbia, describes the historical background of Columbia in the context of the re installation of Alvaro Uribe as the president. He emphasizes how the current government has a nexus with the drug cartel. How the current government uses systematic displacement, murder and terror to further the interest of the drug interest group and capitalists interest. When Alvaro Uribe Velez became the president of Columbia on 7th August, 2002, the outlaws became powerful. Uribe’s father has suddenly found wealth, power and influence in the mid 1970s as a political broker. Uribe Sierra was connected to the influential family that joined the upwardly mobile contrabandists to form the infamous Medellin cartel. When he attended a meeting of the drug cartel at Napoles, he was removed from the post as a mayor of Medellin. When his father died in 1983 and left behind a huge debt Alvaro Uribe took charge. As the governor of Antioquia, between 1995 and 1996, formed close alliances with Pedro Juan Moreno Villa, the main importer of potassium permanganate a chemical important for the manufacture of cocaine. Forrest Hylton explores the conflicts that are currently harming Colombian lives, property, communities and region. Hylton shows a sense of hurry, a rush to convey how control, property and power have been appropriated by a few powerful persons who have used the weapons of terror, subjugation and financial depredation to maintain their position. Forrest Hylton systematically builds the case against Alvaro Uribe. He traces Uribe’s record as the governor of Antioquia. He is reputed to have supported the anti-guerilla militias who rendered homeless 200,000 peasants. In the banana export enclaves there was a spate of murders when he became the governor. The author’s plea reaches desperation when Alvaro is elected for the second term on May 28, 2006. The author is hurt by the jubilation of the US state and other allies at the election of Uribe. He feels an urgency to convey his apprehensions to the reader. It seems that Hylton is perturbed by the re election of Uribe because of the negative impact on the society and economy of Colombia. Hylton’s plea is well intentioned. He does not want the social struggles to continue, he does not want a state that supports the narcotic carte, he does not want to support the amalgam of the government and illegal perpetrators or crime nor does he want the exploitation of the majority of the people of Colombia. He is making a plea for an end to the exclusionary social fabric that is supported by the capitalist countries. Â  One of the reasons why Hylton makes a plea is that Colombia is a country where normal forms of confrontation and struggle are difficult. Trade unionism is perilous; in 2006 alone there were 70 deaths of trade unionists. A large number of workers who show opposition are killed. The killings of the worker leaders have been engineered by military and paramilitary forces. Capitalist’s interests are held culpable for dispossessing the Colombians of their land and property (Hylton 35). The modus operandi is to displace people from mining regions and appropriate their property. According to Hylton the effect of this domination on the economy is disastrous. Sixty four percent of the population lives below poverty line. A large proportion of the population cannot afford food, health requirements of the population are not met and employment is scarce. Health care and education is available only to the elite. On the other hand the US government depreciates the Columbian society for having a ‘tendency towards violence’. Hylton feels that such explanations are unjust as neither history supports such explanations nor does the behavior of people in neighboring countries give credence to these claims. The Columbian model Hylton feels has been adapted in Iraq and Afghanistan and may be adapted in different countries that use counter terrorism. Hylton chronicles his account from 1848 when there was popular political system and Colombia was one of the leading Atlantic democracies. He describes in great detail the century and half since then and the downturn from that point and the resistance against the negative forces. His book is a plea for a socially mindful political system, a documentation of the futile attempts to do so and the growth of officially backed narcotics alliance and its ‘paramilitaries’. Hylton is trying to draw the attention of the world on the brutal acts of repressions, the wasting of the Columbian agricultural system and the proliferation of coca for the production of cocaine. To sum, Hylton in his book Evil Hour in Columbia points out the social and economic frustration of Columbia with the election of Uribe. He feels that this will perpetrate a regime that is backed by and controlled by the drug lobby on one hand and the capitalists on the other hand. He points out that Uribe has a despicable past. In the past his government has caused displacement of peasants and murders. His installation as the president causes apprehension that Columbia is doomed to another period of exploitation, deprivation and poverty. Reference: Hylton, Forrest, Evil Hour in Colombia, Verso London and New York, 2006.

The United States Military Intervention Essay - 1091 Words

Today, people, including many I respect, are asking, Vince, why haven t you called for action in Aleppo? My question is the same as it s always been: What, exactly, do leftists want to do in Syria? Do they want a No-Fly Zone? If so, do they understand that such an action is considered an Act of War? Are people willing to deal with those consequences? Do leftwing activists want the U.S. to increase its military presence in Syria? Do they want the U.S. to keep arming so-called rebel forces? Are leftists actually calling for further military intervention in Syria? Am I processing this correctly? Already, over 12 nations have bombed Syria, with horrific results. Are we asking for more bombs, but from different planes? What principles are activists operating under? Remember, the U.S. military, like all military forces in the world, is a force for death and destruction - that s it. The U.S. military is incapable of saving people. The point of the U.S. military is to destroy and kill. Yet, I keep getting emails from people saying, We have to do something! Yes, let s do something. Let s build political movements that can actually oppose the U.S. Empire. Let s cut the U.S. military budget by 90% - and that s just the beginning. Let s stop selling arms to everyone on the planet. Let s stop supporting brutal regimes. Let s stop the drone strikes and the special forces operations in Africa and elsewhere. Let s end the war in Afghanistan. Let s get out ofShow MoreRelatedU.s. Military Intervention During The War Of The United States Essay1995 Words   |  8 Pagesoption is direct military intervention. Current American-led airstrikes have exclusively focused on ISIS, however, the current Russian intervention can provide clues as to whether earlier Amer ican air strikes against Assad would have impacted the conflict. 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Politics And Economy By George Orwell - 806 Words

Politics and Economy Imagine a world where every thought, every belief, that ever came to mind was shared with everyone. It would start many unnecessary fights, unnecessary wars. The world would be chaotic. Luckily, this is not the case. The only ideas that are shared through others are in the actions we take and the words we speak. John Ruskin explains this ideology when he conveys, â€Å"What we think, or what we know, or what we believe is, in the end, of little consequence. The only consequence is what we do.† Ruskin is correct in his philosophy about our actions and behavior. George Orwell demonstrates the quote by Ruskin in his piece of writing Shooting an Elephant. This story not only applies to the first, but also the second sentence of the quote. When Ruskin states, â€Å"what we think or what we believe is, in the end, of little consequence,† he is explaining how daily thoughts are not taken into account. 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Magazine Essay Samples - the Story

Magazine Essay Samples - the Story The Most Popular Magazine Essay Samples The target of a persuasive essay is to convince your readers your viewpoint is the perfect viewpoint. The body of your essay needs to be supported by research evidence you could gather. Although it's not recommended, paraphrasing the quote in your essay is an excellent approach to hold up your argument. An argumentative essay example will reveal the should possess some important components which make it better in the practice of convincing. The introduction for a movie review must be appealing, so the reader can find the feel of wanting to read more. The primary aim of movie review writing is to provide the reader a rough idea about what the movie is all about. Give a concise illustration of what's going to be discussed in the review and proceed to the thesis. A movie review writing guide provides the writer instructions on how best to compose a movie review. Magazine Essay Samples at a Glance You may be interested in high school essay examples. You could also see college essay. You can also see literacy essay. The essay ought to have a little structure, unlike a normal essay. There are a lot of things which you want to remember while writing an English literature essay. Possessing good essay examples provides the reader an in-depth and on-the-court idea about what a well structured and coherent essay appears like. It will be simpler that you compose a superior persuasive essay if it's a subject in which you have knowledge. You may be interested in travel essay examples. Want to Know More About Magazine Essay Samples? The difference in presentation of the issues is mainly due to the magnitude of the issue and the way that it affects people. Writing a critical essay gives us the opportunity to examine things from a different standpoint. An outline also keeps you from missing out any appropriate info. You should have your reasons, and our primary concern is that you find yourself getting a great grade. High school, college, and sometimes even university students from all around the world are writing persuasive essays. The exhibitions entails the d istinctive shows and the luxury locations like the beaches. A travel essay in addition gives a glimpse of the culture of a particular place. If you would like to learn how to compose a decent persuasive essay, you're looking in the correct spot! The Ugly Secret of Magazine Essay Samples Just make certain your essay has an excellent flow and that it's simple for different readers to comprehend. You are able to make an academic reflective essay or you could make it like a general and informal bit of writing. Just stick to the guidelines stated above, and you'll be well on your way to writing a decent persuasive essay. There's a whole lot more to reflective essays than simply writing your story. One of the most frequent varieties of writing is essay writing. On the opposing side, obtaining a list of good persuasive essay topics is insufficient. In your outline, make sure to set up all the fundamental details you desire to put in your essay. With an outline to direct your writing procedure, you can find with an essay that's more coherent and which has a very clear structure. There's, clearly, a limit on the variety of pages even our finest writers can produce with a pressing deadline, but generally, we figure out how to satisfy all the clients seeking urgent assistance. You will discover entry guidelines, prizes, contests and a lot of other details there. The various sorts of reviewers can provide different kinds of writing, which is something which is good in an industry that is rapidly becoming over-saturated. There are many persuasive essay examples college students are able to make use of online. People started to stare at me. Emotional wellness is also a vital part in us, as individuals. Women are facing challenges when they're championing for social shift. Students lead busy lives and frequently forget about a coming deadline.

Fast Movers Limited Busines Plan The Moving Business

Question: Describe about the Fast Movers Limited Busines Plan for The Moving Business. Answer: Introduction Fast Movers Limited (FML) is a moving company based in India. The company will be situated in the heart of Mumbai where it will target to serve a large portfolio of clients. The reason behind the moving business is the need to minimize the hustle that people have to endure when moving and the market potential of the firm (Asperg, 2007, p. 11). Moving is not easy, and it requires a lot of resources such human labor and transportation media such as trucks. At one time everyone has heard a friend or a close colleague complaining of the valuable belongings that were lost or destroyed during the moving process. This was the main idea that sparked the start of the business venture. What if people could pay a company and help them move? The moving business will be a good business, and Fast Movers Limited will capitalize on the opportunity given that there is an extensive market. The company aims at revolutionizing the lives of many people who love to move and leave in different towns. The c ompany will partner with a security company to help guard the items of the clients and ensure transparency to the customers. Market Feasibility The market is large as many people all over the country move daily from one place to another and many organizations transfer their employees to other branches. The market has a small number of players currently who only cover the adjacent towns. People shift out of Dubai at every single month in the year due to various issues such as work transfers or want to reside in rural areas. The Fast Movers Limited hopes to serve these clients and help ease their transition into newer homes. The company plans to target every member of the community provided the person wants to move to other towns with their belongings and house holdings. The industry is growing, and many players are getting interested in joining the industry. India is expanding, and small towns and cities are being developed more to ease the congestion from bigger cities such as Mumbai (Bars, 2016, p. 84). Some people are expected to move away from Mumbai. The company will not only target people moving out of Mumbai but also p eople moving within Dubai. The market growth rate is high with many people preferring to pay for the services of movers to reduce stress. Currently, a few companies are in the market such as Fast Track Relocation and Aryan International Packers and Movers. The companies have been serving the market and have a large clientele base due to the high number of people requiring the services of movers. The companies have no competition, and Fast Movers Limited would arouse competition in the area and thus bring the best out of the other companies in Mumbai. The customers in the market are mostly the residents of Mumbai and shoppers who live in the outskirts of Mumbai. Men and women who buy a lot of things such as furniture and household items in Mumbai or who live in the outskirts of Mumbai will require the services of movers. The movers are professionals who will handle the luggage with the utmost care and transport it to the clients house and even help get the items inside the house if the customers prefer so. Currently, the two main players in the industry serve an average of fifty customers each within a day with three-qu arters being people moving within Mumbai. Entry into the market with a good cost strategy will guarantee us at least twenty customers within a day. The moving business just like any other business has a lot of external factors that influence the decisions of the companies in the industry. The next external factor to Fast Movers Limited will be the competitors. Competitors are very vital in any given industry, and FML will have to critically look at Fast Track Relation and Aryan International Packers and Movers. Other external influences consist of Government regulations and policies, the prevailing economic conditions such as inflation and technology among much more. The policies of the government concerning taxes, minimum wage rates and the price of fuel all influence the decisions made by FML (Eddy, 2014, p. 1). The low pricing of fuel and low taxes will help the business to achieve its set objectives and make profits thus sustaining the survival of the business. Inflation and harsh economic conditions will make the business charge less thus make a little money and threaten the stability of the industry. The industry has very little barriers to entry. The main barriers are the government regulations and the huge capital required. A new business venture will have to meet the governments requirements, meet the set standard of quality, get an office and buy equipment such as moving tracks. Technical feasibility The business like most business uses technology to offer the best services to customers. The options for developing the technology needed largely relies on off the shelf. The technology needed by the company include a computer for handling the customers requirements and processing transactions, an internet connection and good trucks that can fit the trade. The company requires specialized and strong trucks with good safety fittings to hold and protect the items being transported. The computer will help the organization process the business transactions quickly and allow the company to talk to the customers and address any customer queries. The company has to have an appropriate system that enables the client and the company to track the vehicle to know if the items are safe. The option for producing the service is contractual. The client has to enter into a contract with the company to have their stuff delivered to them at their preferred destination. The contract is enforceable by l aw and thus any company that breaches the contract can be held accountable in a court of law. The organization will have a lot of sales and distribution options. The company will have sales representatives at all the malls in the city to market the services of the company (Heckman, 2014, p. 93). The sales representatives will also be at the supermarkets and train stations and bus stations. The company will also produce T-shirts containing the relevant information and give it to the sales representatives. The sales persons will not necessarily need to be in contact with people to communicate the message regarding the companys services. When a person contacts the company, a salesperson will be sent to look at the items in question and give the client an estimate of the cost. Sales representatives will be very vital to the company (Leach et al, 2011, p. 224). The business needs extensive resources for success. Managerial skills and leadership skills are crucial in ensuring the business meets its objectives. The business will need a person to coordinate and control the activities of the business in addition to making decisions concerning the business. The company will have to liaise with petrol stations to ensure that their vehicles can fuel from anywhere and the invoice sent to the company. Equipment regarding vehicles and wrappers are necessary to enhance service delivery. There are many laws and regulations relating to the business. The business has to acquire some personal certifications such as practicing license, quality assurance, environment impact certification and business permits (Wassinger and David, 2011, p. 211). The business has to operate by the law of the city and meet all the set requirements. The company has to be liable for any loss of a clients items and has to do anything to resolve the matter out of court. The industry, however, has few legal, ethical issues surrounding it. The organizations need to carry their activities professionally and adhere to transparency. The client should not undergo any loss on the companys watch. In any case, a loss occurs, the company is liable to restore the client to where he or she is. There are no ethical issues that may hinder the business in the industry. Nevertheless, technological changes have little impact on the business. The business does not rely heavily on innovation and thus may achieve a lot without the need for an innovation upgrade. The business will need to match the emerging billing options to make payment easier and improve service delivery. Human Resource Feasibility The business needs a lot of technical and managerial expertise since it is in its initial growth stages. The business will need a person who can make the right decisions that will propel the business to success. The business needs a leader with interpersonal skills, good communication skills, and quality social skills (Dickinson, Mawdsley and Hanlon-Smith, 2016, p. 22). The leader should be a risk taker and someone who the organization can count on in desperate times. The manager needs to have quality decision-making skills. The business relies on the decisions made by the decision maker to coordinate their activities and achieve a common objective. The business will be owned by an entrepreneur who will play key roles in the administration of the business. The entrepreneur will have to head all decisions made by the company. With adequate systems put in place, the owner will act as a leader and a watchman to oversee, direct and control all the activities of the company. The company w ill be headed by a chairperson, followed by a vice chairperson, then a general manager. Below the general manager, there are line managers that report directly to the general manager. The line managers head the human resource department, the sales department, the finance department and customer relations department. Since the business is in its initiation stages, the business will have a smaller organization structure. The organization will require the use of dedicated employees to ensure the business offers quality services to its employees. The staff on the ground do not require technical expertise as compared to the individuals hired to work in offices. The staff directly involved in moving will have to undergo a thorough training (Meisner and Radford, 2015, p. 786) on how to wrap some items, acquire competent communication skills and how to handle fragile items. To find the right workforce, the company will advertise the open positions through all the media available. The company will have permanent employees and casual employees to be used when work increases. The permanent staff will be remunerated monthly with a basic monthly salary and allowances. The casual staff will be paid a daily wage rate. To motivate the employees, the business will offer both monetary and non-monetary incentives to the employees (Ivanisevic et al, 2016, p. 179). The business will put the necessary policies and proce sses to help the staff achieve work-life balance. The best performing employees will be awarded salary raises promotions and even training to boost their morale. The company will need to offer refresher courses on customer care training on an ongoing basis. The company will have a five-year growth strategy pegged on yearly set targets and goals. The business will formulate the needed strategies to help the business achieve its objectives. It is thus very important for the business to manage and maintain high-quality standards. The staff and their supervisors will attend training regularly to help guide and improve the quality of services offered to a client. The aim is to turn Fast Movers Limited into a learning organization where the staff gets to undergo thorough training and improve their productivity. With growth and development of the organization, the organization structure will change to suit the companys needs. The company may need to create more departments, formulate a governing board of directors and employ a Chief executive officer. The company will have to employ a lot of talented individuals to help steer the company forward. The company will even hire a public relations officer to protect the image of the organization fro m being tainted. As a learning organization, the management will promote career development and ensure that all employees progress career wise. The firm will promote the staff regularly for career progression, and there will be a lot of delegation and succession planning to ensure professional growth for the employees (Gothard and Austin, 2013, p. 273). Financial feasibility The business aims at serving at least 300 clients in a month. The average cost for moving is $500, and this would generate a lot of revenues for the company. As the company is just starting, it would not be able to get a steady flow of clients. In a month the projected sales are 300. The market research shows that the two main initial players in the industry serve close to a thousand clients worth $500,000. Most movers in Mumbai charge an average of $500. The total expected revenue for a month is $ 150,000 and $1,800,000 in a year. The business offers a lot of financial opportunities with the company having an opportunity to make good profits. Moving within Mumbai would cost around $500 for every 10km covered. The long distances are charged less per kilometer averagely at $300 per 10km. The variable cost for 10km in Mumbai is $ 50 with a fixed cost of $150. The gross margin per unit is $450 less fixed costs of $150 to get net margin profit of $300. The company requires a huge investment to start up. The initial investment for the firm will be $1,800,000 with the plant and equipment taking $1,000,000. The company will need to get a lot of machinery that moving requires. The company will operate in rental premises with a monthly rent of $5000. Legal issues and research to take $50,000 and experts $20,000. The operating expenses for the month before break-even are estimated to be $55,000. The estimated payback period for the investments is two years. The business is a risk but unlike most businesses an investor can get payback in two years of full operation. In my research in Mumbai, it is not easy to get a better return like that one. Most businesses give a payback in 4 years. To start up the business a person has to take some financial risks such as mortgaging the house or getting loans from banks and friends (Jandaghi and Hosseini, 2015, p. 38). It is not easy to get the full financing from a one give source. Most financing institutions may fund half the project. A person may seek for partnership with another businessperson with the required. The risk with such partnership the partner may get to own half the company and not get the company fails before paying them back. The banks may agree to finance the business but they will demand more in returns and may sue an individual in case of default in payment. The gross margin per unit is estimated at 60% with a net profit of approximately 40%. The business venture is very attractive with a payback of two years and a breakeven of fewer than two years. References Asperger, JJ 2007, 'To Increase Yields, Tend to Your Business Development Plan', Of Counsel, vol. 26, no. 4, pp. 9-14. Baars, S 2016, 'Business Model. (Cover story)', Corrections Today, vol. 78, no. 5, pp. 82-88. Dickinson, T, Mawdsley, D, Hanlon-Smith, C 2016, 'Using drama to teach interpersonal skills', Mental Health Practice, vol. 19, no. 8, pp. 22-24. 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Mid Summer Night Dream Essays - Hermia, Demetrius, Helena

Mid Summer Night Dream A Mid Summer Nights Dream True love never runs a smooth coarse. And this is quit evident in a Mid Summer Nights dream. The young love of two people is far more powerful than one thinks. And at the end true love will prevail no matter what gets in the way. Hermia and Lysander are the two lovers where nothing goes their way. Their love is so strong that nothing shall get in the way of true love. Hermia is faced with a decision to marry Demetrius, the man she doesnt love, or be faced with death. The father of Hermia is the one setting up the marriage between the two. There love is so strong that they will let nothing stop them, so they run away together into the woods. This truly is a sign of true love. And that the coarse of true love never did run smooth. These two young lovers are willing to risk everything for love. The we have Helena, the sort of crazy girl will stop at nothing to win the heart of Demetrius. Even if it means hurting the others around her. The only problem is that Demetrius is supposed to marry Hermia. And this starts the endless struggle of love. So off into the woods Lysander and Hermia, but Helena tricks Demetrius into going to the woods to hoping he would see Hermia and Lysander together, then Demetrius would wan t Helena. The only thing that Helena didnt know that it would make him mad when he saw them together. Now if there hasnt been enough trouble among the young lovers; Oberon the fairy king decides to do something about the trouble. The only problem is that appoints his sidekick, if you call him, Puck to help out. Now Oberon knows the trouble between the young lovers so he calls on Puck to retrieve this love poison. And when that poison is put into the eyes of someone, they will fall in love with the first person they see when they awake. So this even makes everything else more complicated. Puck messes up and puts the poison in the wrong eyes. He was suppose to put it in the eyes of Demetrius, but he puts it in the eyes of Lysander. And guess what happens, Helena is the first person Lysander sees. So now everything is crazy. Lysander has already given his love to Hermia, but now he tells her he hates her. This proves even more that the coarse of true love does not run smooth. Obviously nothing has run smooth for Hermia and Lysander. Who wish nothing more than to show there true love for each other. So now at the end, all is well. Helena gets Demetrius, and Hermia and Lysander are permitted to get married. Even through the worst of conditions or consequences true love will prevail. True love never dies, if it does it was never true love. Shakespeare