Sunday, May 31, 2020

Where Does Donald Trump Stand on College Affordability

Earlier this year Democratic Presidential Candidate Hillary Clinton issued an extensive proposal to address the rising cost of higher education, as well as outstanding student debt. What is the response from Republican Presidential Candidate Donald Trump on the growing crises in student debt? WHAT THE "GREAT PLAN" MIGHT LOOK LIKE At a July 27th press conference, Trump announced that his campaign would release a "great plan" in the next four weeks addressing the affordability of a college education. The Trump campaign has been relatively quiet on the topic since that time. However, there has been some guidance from the Republican Platform, Trump himself, and campaign staff to give an indication of what we might see in a college affordability plan from a Trump administration. Keep in mind, though, that this is speculative. Limited government involvement ï ¿ ½ Trump has repeatedly stated that the Government should not be in the business of lending to college students, citing the profit made by the federal government on student debt. One estimate from the Congressional Budget Office has estimated a profit of $1.6B on federal student loans by the end of 2016. As a result, it is likely that the Trump campaign would put a significant emphasis on reducing the role of the federal government in providing and servicing student loans. In the absence of direct federal origination and servicing, there may be a call to reintroduce a program similar to the now defunct Federal Family Education Loan program (FFEL). This program allowed private lenders to originate and service loans that were then backed by the full faith and credit of the U.S. government in the event of a student default. If such a program did return, it would need to be significantly restructured to reduce taxpayer risk exposure, as FFEL acted like a bank subsidy for student loans in order to keep risk, and thereby lending rates, low. Reassessment of the Department of Education ï ¿ ½ Trump has stated that, "ï ¿ ½the Department of Education is massive, and it can be largely eliminated," and echoed this sentiment several times since. However, outright eliminating the DOE is probably unrealistic given its extensive role in establishing policy for and administering federal aid, conducting research and collecting data on schools, and enforcing education laws. Still, its size and at least the perception that it is overspending has been a point repeated. Considering that both the Trump campaign and Republican party are looking at reduced federal involvement in lending, it would be realistic to expect a strongly reduced role for the DOE in general. RELATED: Hillary Clinton's plan for free college: Will you still need to save? Emphasis on private sector and state funding for higher education ï ¿ ½ A reduced federal government role would mean that shortfalls in college funding would need to come from other sources. This means that private lenders such as banks would play a larger role in origination and servicing of loans. It would reintroduce a market for firms such as SallieMae, whose business was directly impacted by the government largely nationalizing federal loan origination in 2010. Students may also lean more heavily on state governments, especially those who might otherwise have difficulty getting aid from private lenders. While this might seem bad for students on its face, reduced federal aid, higher rates from private lenders, and the increased scrutiny that would come with the greater role played by the private sector might actually help reduce college costs long-term. Students would be forced to look closely at alternatives, theoretically decreasing demand for traditional four-year tracks. The colleges themselves, with reduced federal funding, would also need to reassess ballooning administrative costs that are passed on to students. Expanded institution eligibility for federal aid ï ¿ ½ The Republican platform posits that federal financing should not be contingent on accrediting bodies. For 529 savings plan participants, this could mean being able to use your savings at any higher education institution, rather than the subset of accredited institutions. Given that the value of an accreditation has recently been called into question, and that it would mean more choice for students, this could be a good thing from a consumer standpoint. The downside is that it could mean more students using their federal aid at questionable education institutions. Pressure on college endowments that receive preferred tax treatment ï ¿ ½ In a campaign speech in Chester Township, Pennsylvania on September 22, Trump called out higher education institutions that "spend more on private equity fund managers than on tuition programs." Trump specifically stated that he wants to see universities spend money gained from federal tax breaks to more directly benefit students, such as tuition breaks and scholarships. RELATED: Does your school's accreditation mean anything? Emphasis on alternative learning tracks ï ¿ ½ There has been a growing backlash against expensive four-year higher education institutions building in parallel with mounting student debt, growing default rates, and the corresponding media coverage. Further, there is a pressing need for skilled labor in the United States, making trade schools and apprenticeships increasingly desirable. What form this emphasis on alternate tracks might take is unclear, be it policy, legislative proposals, or otherwise, but there is a strong undercurrent of potential support to encouraging alternative education paths. Risk-sharing ï ¿ ½ In May, Sam Clovis, director of policy for Donald Trump, stated in an interview with Inside Higher Ed that colleges should have more "skin in the game." Today the lender incurs the greatest risk in the event the student defaults on their debt payment. Clovis has stated and Trump has alluded that colleges need to be held more directly accountable for the outcome of their attendees. Whether that is in the form of financial risk should the student drop out, default on payment, or enroll in a career path with insufficient earnings potential to pay down their debt, the point is to more directly involve and hold accountable the higher education institution. This could involve holding the school partially responsible for missed federal loan payments, penalties for drop-out rates over a certain percentage, an equity-like stake in the career of the student, higher accreditation fees (notwithstanding the aforementioned decoupling of the federal aid program from accreditation), or other creative incentives. Regardless of what a Trump administration were to use as incentives and how they would be implemented, the desire is to motivate schools to change both their admission policies and programs that they offer. The theory is that schools that are choosier about who they admit and to what programs they are admitted would better ensure the success of those students. This would in-turn lower default rates, drop-out rates, and increase long-term financial success of all stakeholders. Reduced funding for students in fields with poor job prospects ï ¿ ½ Also in his interview with Higher Ed, Clovis spoke at some length about aid and loan eligibility being more directly linked with the student's earnings potential post-graduation. "If you are going to study 16th-century French art, more power to you. I support the arts," Clovis said. "But you are not going to get a job." .@EliseChristine #asktrump pic.twitter.com/KV1NPNYJTCï ¿ ½ Donald J. Trump (@realDonaldTrump) September 21, 2015 College debt is a key voter concern this election, and while both candidates have provided insight on how they plan to address the issue, Trump has yet to issue a published stance. We hope to see more concrete guidance to voters in the near future. Additional Reading and Sources BreitBart Council for Higher Education Accreditation, The CHEA Initiative Final Report Daily Pennsylvanian, Donald Trump breaks silence on student debt Donald Trump Campaign Speech, September 8, 2016, Cleveland Ohio Inside Higher Ed, Trump's Emerging Higher Ed Platform James McAndrews, Student Debt and Higher Education Financing: A Public Finance Perspective Marketwatch, What Donald Trump's student debt plan may look like Maya Pope-Chappell, Millennials are delaying adulthood because of crushing student loan debt Michael Spencer - Student Debt Loan Crisis as a Time Bomb New York Fed (old data) NewAmerica, The Republican Platform on Higher Education Is a Mess OnTheIssues Politico Republican Platform 2016 Strengthening America's Higher Education System ï ¿ ½ Republican Priorities for Reauthorizing the Higher Education Act The Atlantic, Whose Responsibility Is it to Erase America's Shortage of Skilled Workers? USA Today - This is Trump's stance on student loans ï ¿ ½ and it could hurt poor students Earlier this year Democratic Presidential Candidate Hillary Clinton issued an extensive proposal to address the rising cost of higher education, as well as outstanding student debt. What is the response from Republican Presidential Candidate Donald Trump on the growing crises in student debt? WHAT THE "GREAT PLAN" MIGHT LOOK LIKE At a July 27th press conference, Trump announced that his campaign would release a "great plan" in the next four weeks addressing the affordability of a college education. The Trump campaign has been relatively quiet on the topic since that time. However, there has been some guidance from the Republican Platform, Trump himself, and campaign staff to give an indication of what we might see in a college affordability plan from a Trump administration. Keep in mind, though, that this is speculative. Limited government involvement ï ¿ ½ Trump has repeatedly stated that the Government should not be in the business of lending to college students, citing the profit made by the federal government on student debt. One estimate from the Congressional Budget Office has estimated a profit of $1.6B on federal student loans by the end of 2016. As a result, it is likely that the Trump campaign would put a significant emphasis on reducing the role of the federal government in providing and servicing student loans. In the absence of direct federal origination and servicing, there may be a call to reintroduce a program similar to the now defunct Federal Family Education Loan program (FFEL). This program allowed private lenders to originate and service loans that were then backed by the full faith and credit of the U.S. government in the event of a student default. If such a program did return, it would need to be significantly restructured to reduce taxpayer risk exposure, as FFEL acted like a bank subsidy for student loans in order to keep risk, and thereby lending rates, low. Reassessment of the Department of Education ï ¿ ½ Trump has stated that, "ï ¿ ½the Department of Education is massive, and it can be largely eliminated," and echoed this sentiment several times since. However, outright eliminating the DOE is probably unrealistic given its extensive role in establishing policy for and administering federal aid, conducting research and collecting data on schools, and enforcing education laws. Still, its size and at least the perception that it is overspending has been a point repeated. Considering that both the Trump campaign and Republican party are looking at reduced federal involvement in lending, it would be realistic to expect a strongly reduced role for the DOE in general. RELATED: Hillary Clinton's plan for free college: Will you still need to save? Emphasis on private sector and state funding for higher education ï ¿ ½ A reduced federal government role would mean that shortfalls in college funding would need to come from other sources. This means that private lenders such as banks would play a larger role in origination and servicing of loans. It would reintroduce a market for firms such as SallieMae, whose business was directly impacted by the government largely nationalizing federal loan origination in 2010. Students may also lean more heavily on state governments, especially those who might otherwise have difficulty getting aid from private lenders. While this might seem bad for students on its face, reduced federal aid, higher rates from private lenders, and the increased scrutiny that would come with the greater role played by the private sector might actually help reduce college costs long-term. Students would be forced to look closely at alternatives, theoretically decreasing demand for traditional four-year tracks. The colleges themselves, with reduced federal funding, would also need to reassess ballooning administrative costs that are passed on to students. Expanded institution eligibility for federal aid ï ¿ ½ The Republican platform posits that federal financing should not be contingent on accrediting bodies. For 529 savings plan participants, this could mean being able to use your savings at any higher education institution, rather than the subset of accredited institutions. Given that the value of an accreditation has recently been called into question, and that it would mean more choice for students, this could be a good thing from a consumer standpoint. The downside is that it could mean more students using their federal aid at questionable education institutions. Pressure on college endowments that receive preferred tax treatment ï ¿ ½ In a campaign speech in Chester Township, Pennsylvania on September 22, Trump called out higher education institutions that "spend more on private equity fund managers than on tuition programs." Trump specifically stated that he wants to see universities spend money gained from federal tax breaks to more directly benefit students, such as tuition breaks and scholarships. RELATED: Does your school's accreditation mean anything? Emphasis on alternative learning tracks ï ¿ ½ There has been a growing backlash against expensive four-year higher education institutions building in parallel with mounting student debt, growing default rates, and the corresponding media coverage. Further, there is a pressing need for skilled labor in the United States, making trade schools and apprenticeships increasingly desirable. What form this emphasis on alternate tracks might take is unclear, be it policy, legislative proposals, or otherwise, but there is a strong undercurrent of potential support to encouraging alternative education paths. Risk-sharing ï ¿ ½ In May, Sam Clovis, director of policy for Donald Trump, stated in an interview with Inside Higher Ed that colleges should have more "skin in the game." Today the lender incurs the greatest risk in the event the student defaults on their debt payment. Clovis has stated and Trump has alluded that colleges need to be held more directly accountable for the outcome of their attendees. Whether that is in the form of financial risk should the student drop out, default on payment, or enroll in a career path with insufficient earnings potential to pay down their debt, the point is to more directly involve and hold accountable the higher education institution. This could involve holding the school partially responsible for missed federal loan payments, penalties for drop-out rates over a certain percentage, an equity-like stake in the career of the student, higher accreditation fees (notwithstanding the aforementioned decoupling of the federal aid program from accreditation), or other creative incentives. Regardless of what a Trump administration were to use as incentives and how they would be implemented, the desire is to motivate schools to change both their admission policies and programs that they offer. The theory is that schools that are choosier about who they admit and to what programs they are admitted would better ensure the success of those students. This would in-turn lower default rates, drop-out rates, and increase long-term financial success of all stakeholders. Reduced funding for students in fields with poor job prospects ï ¿ ½ Also in his interview with Higher Ed, Clovis spoke at some length about aid and loan eligibility being more directly linked with the student's earnings potential post-graduation. "If you are going to study 16th-century French art, more power to you. I support the arts," Clovis said. "But you are not going to get a job." .@EliseChristine #asktrump pic.twitter.com/KV1NPNYJTCï ¿ ½ Donald J. Trump (@realDonaldTrump) September 21, 2015 College debt is a key voter concern this election, and while both candidates have provided insight on how they plan to address the issue, Trump has yet to issue a published stance. We hope to see more concrete guidance to voters in the near future. Additional Reading and Sources BreitBart Council for Higher Education Accreditation, The CHEA Initiative Final Report Daily Pennsylvanian, Donald Trump breaks silence on student debt Donald Trump Campaign Speech, September 8, 2016, Cleveland Ohio Inside Higher Ed, Trump's Emerging Higher Ed Platform James McAndrews, Student Debt and Higher Education Financing: A Public Finance Perspective Marketwatch, What Donald Trump's student debt plan may look like Maya Pope-Chappell, Millennials are delaying adulthood because of crushing student loan debt Michael Spencer - Student Debt Loan Crisis as a Time Bomb New York Fed (old data) NewAmerica, The Republican Platform on Higher Education Is a Mess OnTheIssues Politico Republican Platform 2016 Strengthening America's Higher Education System ï ¿ ½ Republican Priorities for Reauthorizing the Higher Education Act The Atlantic, Whose Responsibility Is it to Erase America's Shortage of Skilled Workers? USA Today - This is Trump's stance on student loans ï ¿ ½ and it could hurt poor students

The Importance of Thesis Writer

The Importance of Thesis Writer It's likewise prudent to recognize the event of other research on this issue, to show that you have a sound comprehension of what has just been finished. The experts will give you the correct kind of direction with respect to PhD viva and you will absolutely get a lot of opportunity to extravagant awesome evaluations. In the event that you are questionable of what subject to compose on, you generally have the choice to take support from the on-line exposition counsels. Thusly, in case you're confronting issues with PhD paper, you can definitely contact the customized experts and locate the basic help. Truly, apparently Colby understudies have an awesome feeling of whether they'll be in a situation to finish on proposition ventures. Understudies are expected to give specific consideration on any composing necessity and should not to be merciful for it. As a result, such understudies scan for the best paper help to ensure that their undertaking will be created at the maximal level in concurrence with every scholastic norm. For the explanation, it's significant that you keep focused on the exposition paper and get all the assistance vital for your paper composing and theory composing administrations. Privacy Dissertations and postulation need a significant level of secrecy. Particularly on the off chance that you have a proposition that you'll need to guard, it will be much harder in the event that you really don't put stock in your theory. A postulation is a somewhat protracted composing task that should show an understudy's information in a specific scholastic field, notwithstanding the high caliber and level of his capacities. The Basic Facts of Thesis Writer most of the web composing organizations aren't veritable. Request first rate exposition right now and ensured experts will do their absolute best to flexibly you with higher caliber at reasonable cost. Along these lines, bank on the experts in the business, who are all PhD holders to discover incredible proposition composing administration and v erify that you score great checks in the tremendous stage. In this manner, scan for the master specialist co-ops who will direct eye to eye and web meet. Getting the Best Thesis Writer The essayist ought to acknowledge and address all the fundamental corrections, accept accountability and finish every single crucial activity. The tales ought to have happened inside the past a half year and needs to outline the impacts of multicultural clash. As our gathering of authors is truly huge, we generally have free journalists anxious to bring a sensible and generously compensated buy. Postulation Writer Features A meaningful post causes its perusers to fathom the data the post or blog might want to pass on. Hence, there are a lot of distributed substance on the web and not many more would be on the way. The author must be in a situation to gather certain information and information from different sources at that point present the last review with the goal that it's justifiable and is litera ry theft free. Simply become familiar with the site with right catchphrase and you'll have the top postulation essayist promptly accessible in your locale. Utilizing Thesis Writer Critical articles permit you to utilize your basic thinking capacities. Peruser, in case you're in the act of choosing an English postulation point, I'd demand that you consider what books you simply love. The chance of dismissal of postulation because of unoriginality are fairly high. Most propositions expect research to be run in all aspects of the subject. A proposal point must be something with stakes. Thusly, understudies may consider distinctive theory for one of a kind topics to make papers on villa. You'll likewise figure out how to help your contentions, and the best approach to condemn normally. Along these lines, for your benefit, you have a brilliant opportunity to screen the headway of the alloted author and ensure a paper will be prepared in a convenient technique. In the event that you should be doled out to create an exposition that is enlightening. Your article requires a predominant postulation proclamation which will be slanted to be the foundation of an individual's paper.

Tuesday, May 26, 2020

When Should I Start Writing My Personal Essay For College

When Should I Start Writing My Personal Essay For College?When would it be a good idea for me to begin composing my own exposition for school? That is an inquiry that numerous understudies pose before they start their conventional training. The response to this inquiry can assist you with choosing if you need to compose a conventional article or on the off chance that you simply need to do some close to home research and compose a little report.First of all, the motivation behind an individual paper is to discuss your experience, interests, and leisure activities. A higher education will expect you to compose a paper regarding these matters. Along these lines, you should be certain that you can compose an influential exposition all alone or that you have a co-creator. This individual will probably compose a synopsis and afterward the primary concern of the paper.The question, when should I begin composing my own exposition for school, frequently comes up on the grounds that understud ies feel they have almost no composing experience. This might be valid at times, yet you don't have to hold up until you're preparing to get conventional training to figure out how to compose a paper. Truth be told, it's quite simple. Regardless of whether you are not an accomplished author, you can compose a quality individual article in only minutes.One of the best things about figuring out how to compose an individual paper is that you can utilize what you've realized while taking courses identified with it. For instance, in the event that you take a school class on writing in an exploration paper design, you can utilize your insight into the theme as you compose your paper. This is great in the event that you are composing a history paper, an article on governmental issues, or even a sonnet. These points expect you to make a definite story in a compact manner.You additionally must be certain that you observe when you intend to compose your paper. On the off chance that you have a companion who has recently begun school and needs to compose their article, this can be a superb chance to figure out how to compose. With this data, you will have a few thoughts on what you should do.An significant thing to recall is that there is no set in stone manner to compose an exposition. Regardless of whether you realize that you don't have the experience expected to compose an exposition all alone, it doesn't imply that you shouldn't begin learning. You can at present work with somebody who has involvement with the topic. This will make your experience a lot simpler since the person will as of now have a thought of what you have to do.The key to beginning an individual article isn't really how much experience you have, but instead what you are energetic about. Expounding regarding a matter that you love will make it a lot simpler to compose the paper. What's more, in case you're not making some incredible memories taking courses identified with your picked subject, it ma y be smarter to surrender and direct your concentration toward something different. You must be sure that you can compose a decent close to home article all alone, regardless of whether you are self-persuaded or not.Remember that papers are considerably more intricate than they appear from the start. You don't simply need to 'talk' about your subject, however you need to sort out your contemplations, realities, and data into a persuading contention. You must have the option to meet with your perusers where they are and discuss the planned message with a ton of energy. To put it plainly, composing an individual article is something other than talking, it's conveying.

Saturday, May 23, 2020

Essay Writing Topics For SBI Program Po

Essay Writing Topics For SBI Program PoWhen you are in school, writing essays for science and Biology is often one of the hardest subjects to tackle. And while it can be daunting to try and juggle a lot of different subjects at once, essay writing topics for SBI Program Po is one thing that is usually in short supply for budding scientists.As with all subjects in school, there are plenty of great essay writing topics for Biology or Biochemistry. Just don't expect to come up with one that's fresh and new every time. Biology and Biochemistry are two very familiar and tried-and-true subjects that most students will have heard of by the time they're done with their Advanced Placement Biology class. However, that doesn't mean you should let your knowledge of the subject to be the only basis for your essay topic.Your essay writing topic for SBI is not a requirement and usually is not even used by the Science advisors during the interview process. There is a right way and a wrong way to wri te an essay on Biology or Biochemistry. And it should be stressed that your topic must be as well organized and informative as possible.Nowhere is this more important than when dealing with topics such as Genetics, Evolution, Molecular Biology, or Pathology. Your essay should be so well structured that it is able to offer a completely comprehensive answer to each question it poses. For example, if you want to address what determines hair color in a given person, the overall structure of the DNA sequence that you are testing, and other such topics, you need to start by outlining the issue first. Then, you must lay out the various theories of hair color and hair types that have been presented.For example, if you wanted to research the DNA of a person in order to determine whether he had a blood test for certain diseases, you would write an essay on whether or not the Blood tests are relevant. Or if you wanted to explore the possibility of the human race being split into separate genet ic groups, you would lay out several options for the study of the human race and the lineages that they may have developed from. Then you could provide citations for the details you discussed.It is important to keep in mind that your essay writing topics for SBI must be well-organized, not so much for the sake of completing your assignment but for your own academic and research development purposes. Your essay writing topics for SBI must be logical and coherent.And for those who were just introduced to the subject of SBI, a good way to organize your essay is to list some guidelines on how to structure it. One of the easiest ways to organize your essays for Science and Biology is to outline the information you plan to provide, list out the main points of each part, and list out the supporting sources for your conclusions. Doing this allows the essay to flow easily and make it easier to follow when it comes time to read it in a book or on paper.It is true that you cannot please everyo ne, but you can still come up with topics that satisfy some, satisfy others, and satisfy the majority. That means you can use your education and experience to make your science papers something of value to a reader. Essay writing topics for SBI are sometimes a breeze to come up with but, if you let your lack of knowledge become a hindrance to your ability to succeed, you might as well find some help and ask someone to do the work for you.

Friday, May 22, 2020

What Does Writing an Essay in Third Person Mean?

<h1>What Does Writing an Essay in Third Person Mean?</h1><p>If you resemble a great many people, you need to realize what does composing an article in third individual mean? There are a wide range of answers to this inquiry and in all actuality we as a whole have our own opinions.</p><p></p><p>To start with, it is important to comprehend what one of these styles implies. An individual who composes articles in third individual frequently is writing to communicate a genuine belief. This type of composing is frequently thought of as being snide or even discourteous. In any case, this isn't the situation at all.</p><p></p><p>Someone who writes thusly has the assessment that is communicated in a way that can be extremely influential. The individual in question is attempting to talk reality through composition. Indeed, the whole purpose of writing as such is to show your opinion.</p><p></p><p>One of t he more typical explanations behind writing thusly is on the grounds that the essayist doesn't have confidence as he would see it. As such, the essayist doesn't feel emphatically about their position. You can see this in numerous motion pictures and in numerous closely-held convictions that you hear. At the point when individuals aren't in concurrence with what they are stating, they frequently start to write in this style.</p><p></p><p>It is genuine that in this composing style, the writer's perspective isn't on the individual who is in the article. Truth be told, the creator is truly attempting to convince you to acknowledge their perspective. At the end of the day, the individual composing this type of composing is attempting to persuade you that their assessment is the privilege one.</p><p></p><p>Another motivation behind why this is so normal is on the grounds that this one style makes it simple to utilize a pen and paper. There i s no paper that should be changed to fit into this one style. The main thing that should be done is to compose the articles or expositions as you would when talking legitimately to the audience.</p><p></p><p>One of the best things about this style of composing is that it is anything but difficult to figure out how to do. That is one reason that it is so popular.</p>

Monday, May 18, 2020

Tips for Creating Your Own Essay Topics

<h1>Tips for Creating Your Own Essay Topics</h1><p>There are numerous Suny article points to look over, and you can escape by basically making your own. In any case, the issue with this strategy is that you may not be sure about the best kind of theme for your Suny exposition. Additionally, picking Suny article points can be very tedious since you should inquire about and get ready thoughts for your essay.</p><p></p><p>One strategy that you can use for making your exposition themes is to locate a huge volume of themes on a wide assortment of subjects. When you have the exposition themes you need, you can simply go to a book shop and check whether they have anything else on a similar subject. These stores may considerably offer a rebate on the paper topics.</p><p></p><p>The Internet is an incredible asset for finding various articles and subjects to use in your exposition. You will have no difficult discovering subjects that are not quite the same as different courses at your school or college. Likewise, on the off chance that you pick the subjects dependent on what intrigues you, you will have the freedom to pick things that you appreciate. This can make picking the theme a lot simpler in light of the fact that you won't be reluctant to pick something you don't like.</p><p></p><p>Since you might need to evaluate a few unique subjects for a specific subject, you ought to have a scratch pad for each subject. Along these lines, you can record the same number of thoughts as you need in one journal. By utilizing this technique, you will have all the data you need. As you settle on your decision, you can write down the points you pick and furthermore make notes in regards to each topic.</p><p></p><p>Another approach to make exposition subjects without any preparation is to utilize the paper addresses on the web. These inquiries will contain a few distinct sorts of subjects that are one of a kind to your exposition. Since you will likely not have the whole course message for any subject, you will at present need to review your own expositions, yet the article themes will offer you the chance to get innovative and think of some incredible essays.</p><p></p><p>You will likewise need to ensure that you concoct the points dependent on your inclinations and not founded on what the educator recommends. Ensure you don't stay with a subject on the off chance that it doesn't intrigue you. The best approach to do this is to do a web scan for subjects that intrigue you and remember those subjects for your essay.</p><p></p><p>Remember that you can without much of a stretch discover paper points by doing a little research. Simply recollect that you have to have the consent of the educator or director to make your own exposition topics.</p>

Sunday, May 17, 2020

How Long Does My College Essay Have to Be?

<h1>How Long Does My College Essay Have to Be?</h1><p>Many understudies are caught off guard for the length of their school article and the term 'look forward' isn't the appropriate response. Truth be told, you need to make a stride back and center around what you need to say.</p><p></p><p>How long does your school article must be? At the point when you can't advise, you may wind up with an exposition that has more filler than substance.</p><p></p><p>There is a typical misguided judgment that a school article is simply a progression of realities. Actually, it is an announcement of qualities or reason and is intended to be a discussion piece that the educator asks understudies to finish.</p><p></p><p>A school paper is constantly utilized as a guide. On the off chance that an understudy utilizes the term 'look forward' it is on the grounds that they are attempting to envision how the educator will choose to go. You would prefer not to set yourself in a place where you need to choose what to state after your exposition has been read.</p><p></p><p>When you need to realize to what extent does my school article must be, you should ask yourself what you plan to accomplish with it. It is safe to say that you are writing to dazzle your teacher or would you say you are planning to rouse your friends? Every one of those wants must be met.</p><p></p><p>When an understudy begins a school article with 'coming up next is a look in front of the historical backdrop of the timespan,' there are a few inquiries you should pose to yourself before you proceed. To what extent does my school exposition must be? To what extent will this article keep going on the Internet?</p><p></p><p>The length of your school paper is an individual decision. Nobody can be relied upon to compose a paper that fits inside the rules set out by th e scholarly network. School is about development and autonomy, and thusly we must make certain to remember these things when we look ahead.</p>

How to Write a Sample Nonfiction Essay

<h1>How to Write a Sample Nonfiction Essay</h1><p>Writing an example true to life exposition can be entertaining. An example can assist you with finding your own style and where you are going with your composing capacities. Here are a couple of tips to assist you with making a superior paper. Utilize the accompanying thoughts, and see what happens.</p><p></p><p>It is imperative to keep individual data off of the paper, as it will stand out. Likewise keep the subtleties of the venture and your encounters isolated. In the event that you can do this you will have much more opportunity to compose and you may find that you appreciate forming true to life expositions more. Your data should be significant and will show why you composed the paper in the first place.</p><p></p><p>A title is significant. Nobody needs to peruse a work of fiction. Your title ought to make interest, while simultaneously give pieces of information t o your perusers. A few titles for tests incorporate, for instance, 'My PowerPoint Presentation'An A4 Paper on Basic Economics'. These titles are clever, to keep the peruser keen on the story behind your sample.</p><p></p><p>Take away all that you think about a subject and substitute it with something new. This is an extraordinary method to animate your creative mind. It additionally takes out any assumptions and an extraordinary method to express what is on your mind. Let it 'represent' itself and see what kind of experience it gives you. Truth be told it will undoubtedly open up the conduits for your creativity.</p><p></p><p>Your test needs to fit with your inclinations. Ensure that your data is real and direct. Abstain from posting capabilities and encounters. Those will just wind up taking away from your record. Now and then it is ideal to leave the story alone told through your example article and maintain a strategic distance from data overload.</p><p></p><p>As for your promise tally, keep it practical. The truth of the matter is that everybody composes in an unexpected way. Consider the length of a five passage exposition when forming your example. Not every person can compose ten pages without a break. Such a large number of words can be diverting. Simply attempt to offset it out with thoughts and stories, and you won't be sorry.</p><p></p><p>In end, utilizing test true to life articles has a few advantages. They can assist you with building up an exploratory writing style. They give you more opportunity to investigate themes and by keeping things concentrated on each thing in turn, you will have more opportunity to compose and investigate the subject. At last, by being inventive, you will probably discover your work improving as you utilize the aptitudes increased through composing a sample.</p>

Saturday, May 16, 2020

Top Ten Things to Consider when Selecting an Online School 2019

There are several factors to consider when deciding on which online school to attend. Online schools are a great way to get an education while working and raising a family. There are many great online institutions and some not so good. It can be a daunting task to pick the right one. They all have slick web pages that make them look great, but how can you really decide on which one is best for you? Below, we have listed ten things you should consider when going to an online school. Credibility/Reputation Attending an accredited school is a must. You need to make sure that the school is accredited at a national or regional level by a legitimate agency. Also, ask around to see if any friends, coworkers or family members have hear of the school you are considering attending. Resources Some colleges offer a lot of job placement assistance and resources. Ask the admissions counselor how they go about helping students find employment as graduation nears. .uffdade9d8532958a5659ecadafaa32fd { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -moz-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -o-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -webkit-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); text-decoration:none; } .uffdade9d8532958a5659ecadafaa32fd:active, .uffdade9d8532958a5659ecadafaa32fd:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uffdade9d8532958a5659ecadafaa32fd { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uffdade9d8532958a5659ecadafaa32fd .ctaText { font-weight:bold; color:inherit; text-decoration:none; font-size: 16px; } .uffdade9d8532958a5659ecadafaa32fd .post Title { color:#000000; text-decoration: underline!important; font-size: 16px; } .uffdade9d8532958a5659ecadafaa32fd:hover .postTitle { text-decoration: underline!important; } READ The right Tools for an Online EducationTechnical Support Quality online schools have great tech support 24/7. You dont want to have to deal with the headache of having a technical problem with no one around to assist you. Cost Not all online institutions cost the same. You should do your due diligence and check out tuition costs as well as fees. Some schools offer reduced tuition, but tack on fees in an attempt to make their school seem less expensive than the competition. Class Schedule There are a lot of different types of online formats. Some schools require students to be online with their peers at specific times (synchronous learning) while other schools only require the student turn in the work on the proposed deadline (asynchronous learning) Student Reviews There are sites on the internet that are non-biased, and allow students to post honest reviews of teachers and programs. Read these reviews to find unfiltered opinions about an institution you are considering attending. .ua48e3e2f92dd6249dd3f31733a52b5d2 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -moz-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -o-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -webkit-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); text-decoration:none; } .ua48e3e2f92dd6249dd3f31733a52b5d2:active, .ua48e3e2f92dd6249dd3f31733a52b5d2:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ua48e3e2f92dd6249dd3f31733a52b5d2 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ua48e3e2f92dd6249dd3f31733a52b5d2 .ctaText { font-weight:bold; color:inherit; text-decoration:none; font-size: 16px; } .ua48e3e2f92dd6249dd3f31733a52b5d2 .post Title { color:#000000; text-decoration: underline!important; font-size: 16px; } .ua48e3e2f92dd6249dd3f31733a52b5d2:hover .postTitle { text-decoration: underline!important; } READ Buy and Sell Accounting BusinessesFeedback Quality schools are always looking to improve their curriculum and services. They will have feedback mechanisms for students to offer suggestions and comments about the class, instructor, and institution. Courses One schools business program may be radically different than anothers. Peruse the class catalog to see what each course is about, and see if it pertains to your area of interest. Faculty Most schools are only as good as the faculty they attract. Do they have teaching experience in their field? Have they worked in the fields they instruct? What level of education do they have? Financial Aid The amount of financial aid students receive can vary by institution. You can put up to six different schools on your FAFSA application without any obligation to attend them. Related ArticlesCareer overview Retention Specialist CounselorAssociate Business What do Employers Think About Online DegreesTop Internship Mistakes to AvoidCounseling Marital Difficulties with a Masters Degree in Marriage and Family TherapyNonprofit Jobs Work for a Cause while Building a CareerSuccess and Online Finance Degree .ueace58841819da5aaf8d6c9cf729ad7e { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -moz-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -o-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -webkit-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); text-decoration:none; } .ueace58841819da5aaf8d6c9cf729ad7e:active, .ueace58841819da5aaf8d6c9cf729ad7e:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ueace58841819da5aaf8 d6c9cf729ad7e { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ueace58841819da5aaf8d6c9cf729ad7e .ctaText { font-weight:bold; color:inherit; text-decoration:none; font-size: 16px; } .ueace58841819da5aaf8d6c9cf729ad7e .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .ueace58841819da5aaf8d6c9cf729ad7e:hover .postTitle { text-decoration: underline!important; } READ Nonprofit Jobs Training to be a Manager of Volunteers

Thursday, May 14, 2020

Why Everybody Is Talking About Write an Essay from the Pov of a Hisyorical Writer...The Simple Truth Revealed

<h1> Why Everybody Is Talking About Write an Essay from the Pov of a Hisyorical Writer...The Simple Truth Revealed </h1> <h2>Write an Essay from the Pov of a Hisyorical Writer for Dummies </h2> <p>The span of a section will change contingent upon the subject. Figure your own presumption before you analyze the reports. But since of their likenesses, some are as yet not ready to separate the two styles from each other. </p> <h2> Key Pieces of Write an Essay from the Pov of a Hisyorical Writer</h2> <p>There are heaps of simple procedures for composing a fascinating presentation. In the event that you're searching for help with your article, at that point we give a complete composing administration given by completely qualified scholastics in your general vicinity of study. Composing a response paper might be a genuine test, however at precisely the same time that it can assist you with enhancing your investigative capacities and offe r your assessment with the world! It very well may be a significant testing task, such huge numbers of understudies use guides to become familiar with its structure and key highlights. </p> <p>You might be keen on highlighting negative and positive aspects of precisely the same issue. It normally manages social issues. Clearly, the conspicuous issues in a specific period occurred because of an explanation. </p> <p>The second part ought to contain your individual considerations about the theme. By then, you basically need to snicker, thank your peruser and proceed. Today, I'd prefer to raise another sort of perspective. Set forth plainly, I changed my strict perspective. </p> <p>Following is a genuine case of the best approach to successfully utilize that voice. In spite of the way that you can have a few POV characters, endeavor to make your book with the littlest conceivable number. Endeavor to pick papers read by a large number of people. Compose it from the perspective on your current age thinking back. </p> <p>For example, you may see that a first-individual point of view might be too restricting in light of the fact that it just presents one specific character's emotions. Fight the temptation to step out of your POV character, and you will reinforce your story when all is said in done. As an outcome, you may close this sort of portrayal gives the story a particular kind of promptness or pressure. Compose it from the perspective on the omniscient storyteller. </p> <h2> The Write an Essay from the Pov of a Hisyorical Writer Pitfall</h2> <p>The test prompts are conversations connected to the Progressive Era in the USA of America. This might be particularly useful for visual records. </p> <p>With the help of such a diagram, you will be ready to see how the paper will look like and will be equipped for going from 1 section to another easily. You should record the foremost recommendations and feature the chief purposes of the paper. Here you ought to depict the creator and the paper you're investigating, the key musings and issues you're probably going to talk about. Composing an article is tied in with deciding. </p> <h2> The 30-Second Trick for Write an Essay from the Pov of a Hisyorical Writer </h2> <p>Without the point, there's no composition. The peruser is totally prepared for the move before it happens. Certainly, the most regular option for present day fiction is third-individual past tense. That generally implies no exchanging POV characters inside precisely the same scene, let alone inside exactly the same section or sentence. </p> <p>Beyond these limits, in any case, the extent of potential themes on which you may conceivably compose a fabulous article is amazingly wide. Set forth plainly, fiction is restitution for individuals who have wronged you. To create an engaged History paper it's essential to stick to the commonplace exposition structure that is presentation, body and end. Buy a great exposition on simply the subject you need! </p> <h2>The 30-Second Trick for Write an Essay from the Pov of a Hisyorical Writer </h2> <p>You'd can independently publish a book written in second individual, however you most likely wouldn't be in a situation to offer it to an ordinary distributer. The end should integrate the exposition, yet it should not make any additional focuses which aren't found inside the body. It will get significantly simpler to make an appealing and charming presentation knowing your chief proclamation. To forestall any disarray, the creator offers a total reprieve in content, at that point gives the name of the moving toward character for a part heading. </p> <p>If at all conceivable, it is insightful to have somebody separated from you edit your exposition. Since you're familiar with composing a DBQ paper, it wouldn't be excessively testing in your part to form a wonderful and powerful exposition to land yourself an excellent evaluation. At the point when you begin composing a History Essay you will confront a decent arrangement of troubles which you'll not be capable survived. Regardless of whether you'd prefer to create an incredible superb History paper you will require a lot of time for that which unquestionably won't be accessible to you. </p>

Essay Samples of Taj Mahal

<h1>Essay Samples of Taj Mahal</h1><p>There are such huge numbers of paper tests of Taj Mahal that you can utilize. It is said that the Taj Mahal was worked to be a remembrance for the individuals who had passed on the front line, or maybe during the Battle of Panipat. For the individuals who endure the war, it is said the Taj Mahal filled in as a sanctuary to the god Shiva and furthermore as a commemoration for the individuals who had died.</p><p></p><p>Another legend that individuals have hooked onto is that Khajuraho is in India, not in Iran. Truly Khajuraho is quite India. It is the cutting edge type of Pataliputra. The Shiva Temple that was worked to remember the individuals who had kicked the bucket during the war is in the Punjabi city of Ludhiana, which is a serious good ways from the Taj Mahal.</p><p></p><p>Another fantasy that some accept is that Khajuraho is situated close to the Taj Mahal. Truly Khajuraho i s in Punjab, which is in India. The antiquated town of Pataliputra, just as Khajuraho, were arranged near the city of Agra. At the point when the Taj Mahal was first developed, it was worked to be a stone sanctuary to Shiva and it stands where the Hindu sanctuary of Agra now stands.</p><p></p><p>A part of individuals have guaranteed that the Taj Mahal is in the United States and is situated in what is presently known as the United States and France/France outskirt region. This isn't accurate, as there is not a single United States outskirt in sight. The Taj Mahal is arranged in what is currently called the Indian territory of Uttaranchal, which is in the most distant north of India.</p><p></p><p>The just way you can discover the Taj Mahal is to discover it through visiting the TajMahal's area in India. Numerous explorers have guaranteed that the Taj Mahal is the most excellent sanctuary and the most lovely of all the sacred spots, desp ite the fact that there are numerous different places in India that are more beautiful.</p><p></p><p>The article tests of Taj Mahal don't generally uncover the genuine story. You have to talk with your trip specialist to discover which one of the articles tests is the best. You will need to have the genuine subtleties of the Taj Mahal. You will likewise need to recognize what it expenses to visit the Taj Mahal.</p><p></p><p>Of course, you will likewise need to think about the paper tests of Taj Mahal and how they assist you with arranging your outing. The excursion to the Taj Mahal may not be a simple one. There are many guidelines to remember when making a trip to the Taj Mahal. With such a large number of legends and all the various expositions tests of Taj Mahal, it is critical to ensure that you have the real factors and find out about this world well known landmark before you go.</p>

Monday, May 11, 2020

Essay Writing Templat - What To Do To Get A Good Result

<h1>Essay Writing Templat - What To Do To Get A Good Result</h1><p>If you're an understudy and searching for exhortation on paper composing layout, at that point this article is going to offer you a few pointers that you ought to consider so as to make your exposition composing process progressively charming. Article composing templat can be very scary in case you're not readied, so it's significant that you know about what's in store when composing an exposition, and you ought to likewise have the option to deal with a superior evaluation in case you're utilizing legitimate techniques.</p><p></p><p>Since paper composing format is commonly the primary focal point of the subject, you ought to consistently have a lot of inspiration so as to compose well. There are a ton of things that you should consider to get your article composing format to be truly agreeable and to get the point across as you wish. On the off chance that you have enough tho ught regarding the subject and you would prefer not to exhaust yourself, there are a ton of fun exercises that you can participate in, particularly on the off chance that you need to improve your composing skills.</p><p></p><p>When you're still in secondary school level, you'll have just perused a ton of books and papers. This will have helped you consider certain things that may have been upsetting you when you were doing paper composing layout. So as to get familiar with these subjects, exploit what secondary school requires.</p><p></p><p>If you feel that your article composing layout has the correct focuses, you ought to be upbeat. In any case, there are a great deal of things that you ought to maintain a strategic distance from. In case you're continually being informed that you haven't practiced anything commendable or you're thinking that its difficult to progress nicely, there's some kind of problem with you. You shouldn't belie ve that your exposition composing format is awful on the off chance that you feel like this since it's really your issue for not thinking about certain topics.</p><p></p><p>The subsequent stage you ought to consider is making sense of what subject you need to talk about. There are a few subjects that you may have perused or found out about, and there are points that you simply find fascinating. Think about every point first and decide the most ideal path for you to expound on it, and you'll feel substantially more calm as you're composing your essay.</p><p></p><p>Also, attempt your best to gather however much data as could reasonably be expected on the subject you picked, and afterward do your own exploration. Utilize the web to accumulate as much data as possible, and utilize that data recorded as a hard copy your exposition. You ought to recollect that on the off chance that you do make mistakes in your article, you shouldn't stress since you're certain to get help from the teacher later on. Your exposition composing format could likewise go seriously with the teachers in the event that they discover that you didn't do anything to accomplish something that you should do.</p><p></p><p>In end, it's significant that you require some investment when composing your paper and do all that you can to compose a decent one. It's never going to be simple however you can be sure that when you see your paper composed, you'll be happy with its quality.</p>

Fast Food Persuasive Essay Topics - The Amazing Facts That Make it Easier to Write Persuasive Essays

<h1>Fast Food Persuasive Essay Topics - The Amazing Facts That Make it Easier to Write Persuasive Essays</h1><p>Fast nourishment convincing exposition themes are probably the least demanding approaches to get An in your secondary school English class. There are just a couple of decides and rules that you have to follow and a great deal of inexpensive food enticing article themes can be discovered on the web. In case you're understanding this, I'm certain you'll concur with me this is the most ideal approach to compose an essay.</p><p></p><p>There are a couple of key strides to composing an influential article subject, and here they are:</p><p></p><p>Now I realize that you're likely saying to yourself, well, I can compose a theme about anything I need. In any case, what great is a decent subject, on the off chance that you don't make it fascinating? It would resemble if you somehow happened to plan a wilderness rec cent er, and afterward somebody you realized that wants to practice requested that you compose a wellness article about how to consume calories. Presently, while they might be sufficiently keen to comprehend the reason for the activity article, you've lost your validity by composing a faltering and exhausting topic.</p><p></p><p>Your title is the primary thing that individuals will peruse in your paper. Along these lines, the title must have the correct degree of interest. Consider what will grab individuals' eye. Are you composing an article on obligation alleviation for instance?</p><p></p><p>This will assist with infusing a touch of common tension into your exposition, and the anticipation will normally prompt inquiries. The peruser will begin to ponder whether they should purchase your book, or go to your workshop, or whatever else you have made arrangements for them.</p><p></p><p>Now that you have your point in order, the following stage is to conceptualize. You'll need to do a few meetings to generate new ideas before you begin composing the real exposition, yet when you have a rundown of themes, you can without much of a stretch restricted down the decisions and utilize these focuses as a guide for your composition. You ought to consistently search for good sources and references to show that what you composed is strong and definitive. Great sources incorporate books, magazines, papers, or even online news sites. These online sources can likewise be extremely useful for helping you with the subject of your essay.</p>

Friday, May 8, 2020

How to Create a Great Business Term Paper

How to Create a Great Business Term PaperA Business Term Paper is like a storyboard for a marketing campaign. As a planner, you need to come up with a strategy to guide your team as they do their job. It can also be a manual for those that will follow your directions.You will need to know how to use Microsoft Word on a Mac, and an office suite that allows you to create, edit, and edit in the most efficient manner. This may require that you learn a bit of document editing because it is all about word processing. It will save you a lot of time and stress later if you can get a system running quickly.In the beginning, you will need to get a pencil and paper. You will need to write down your goals, outline your process, and then start writing your narrative. The narrative should start with who or what you are trying to attract, what you want them to think about you, and how the organization wants to know about you. At this point, you will have a rough idea of what you are planning on doi ng.You will need to write out your narrative form of communication. There are two main categories that you need to know. These are sales copy and brand management. These are like the heading and footer of your sales letter, and your brand manager will be your top management team. Use these concepts throughout your entire term paper.Try to find soft copy templates for each of the sections that you will be using. There are several free online soft copy templates that you can use and these will be of great benefit to you. It will allow you to easily turn your business document into something that can be handed out in the field.Create a marketing strategy for your new hires and keep it simple so that you do not have to spend a lot of time creating your other forms of marketing collateral. Using your company logo on your business term paper is a great way to increase visibility, which will bring in customers. All the same, you need to ensure that it is professional.One of the best parts of having an effective Business Term Paper is that you can follow it from start to finish, so that you know exactly what is going on, and what is working, and what is not. Do not forget to review the document for errors. As you develop your strategy, it will be important to revise the entire document as well.Lastly, get your team involved with the development of your term paper. It will make them accountable and help them be more productive. When they see that you are working towards an end goal, they will want to help to achieve it as well.

Why Would A College Admissions Officer Be Using SAT Essay Sample Questions?

Why Would A College Admissions Officer Be Using SAT Essay Sample Questions?The College Board is a nonprofit educational corporation dedicated to improving learning. They have their very own SAT essay sample available for schools. They do it as a way of getting students' attention is what they are after.However, many people are not aware that the College Board sat exam is not real. The College Board sat essay samples deception is subtle and in some cases, people do not even know it is there. They take what appears to be a true essay and rewrite it to pass.The College Board sat essay samples deception comes into play when students use their originality to really make their essay unique. Using common sense is important in this regard. The true skill and talent that make an author stands out is their natural ability to understand a topic and express their point of view in the most interesting and educational way possible. The student who applies this intellectual and literary talent to t heir essay will have the best essay.A lot of essays from various colleges use the same essay samples. They are quite easy to identify. Sometimes, they will actually use the exact same word or phrase. Some college boards, however, offer the same essay samples to students who do not take the SAT.This College Board sat essay samples deception is usually introduced by the SAT essay prompt. There are usually many questions asked of the student and it seems like the College Board has only one thing on their mind and that is how to get the student to pass the SAT essay sample test. They will ask a bunch of questions about the topic and use many of the same SAT essay sample questions to get the student to answer in a specific way.The students who have made the effort to write an original essay often find that their essay gets significantly better than that of their peers with the same credentials. They are not submitting a variation of the same essay. Instead, they are applying their unique expertise to a new idea. The question, however, remains: Why would a college admissions officer be asking the SAT essay sample questions that the College Board is?It turns out that the College Board, and other schools like them, do not give a shit about the school that they are serving up to the student. They are only interested in the scores. If the student manages to get higher scores, they will certainly be happy and they will continue to use these SAT essay sample questions throughout the test.Not everyone realizes this but if you do not prepare properly for the SAT then you may be making the entire essay exam a complete waste of time. The College Board sat essay samples deception is very real. It does not take a genius to figure out that it is all a ploy to get students to spend more time taking the test. Do your homework and prepare yourself correctly.

Wednesday, May 6, 2020

The Origins Of European Exploration Essay - 774 Words

European Exploration Approximately 1300-1550 European Exploration really began to become a big deal in the 1400s but without the 1300s and a few years before, the big picture would not be seen. There were a few instances of explorers â€Å"finding† or colonizing an area before the 1400s. These seem to be left out when talking about the era of European exploration. I feel that this is because the people after them made a bigger impact to be remembered. The years of the 1300s should still be included, because this was the beginning of all the exploration. Europeans had many reasons to explore the world and try to find new land. One of the reasons being technology and knowledge were greater than they had ever been which made it an easier task to explore. Technology gave possibilities of not getting lost as easy, knowing where to head toward, and many others. Cartography, the art and science of map making, was created in the early 1400s. This made maps more relevant and usable. Knowledge grew with the more exploring that happened. The more land that was discovered by explorers, the more accurate the maps got. This gave everyone more knowledge on the rest of the world and also reconsidered the idea of trade routes and how to make them better. Trade routes were very much wanted around the 1400s. This is when merchants and crusaders brought many different goods to Europe from numerous other countries. This made the desire for trade greater because they wanted more of the products.Show MoreRelatedEffects Of European Exploration On The World1252 Words   |  6 PagesEffects Of European Exploration By the late 1400’s into the 1500’s, European countries began to expand into the rest of the world. This resurgence of trade interest resulted in a demand for foreign goods and exploration of water routes. This Age of Exploration united the Americas with Europe, Asia, and Africa. The exchanges were plentiful and stabilizing for many communities. However, along with the positive influences, came the negative aspects, which impacted cultures and civilizations aroundRead MoreThe Renaissance And Its Impact On The European Renaissance1694 Words   |  7 PagesWith the dark ages coming to end and the economy of Europe slowly beginning to rise again, a giant scale cultural revolution like never before was slowly beginning to sweep over Europe. Becoming what we now know as the European Renaissance, every aspect of European life changed because of this revolution. The Renaissance began a renewed interest in the people to seek knowledge and question what the world around the m meant. The Renaissance wasn’t just about learning however, it included exploringRead MoreImpact Of Colonia On Indian Ocean And The Trans Atlantic Trading Systems848 Words   |  4 PagesAnalysis of the Impact of Colonia Racism in the Indian Ocean and the Trans-Atlantic Trading Systems This African study will compare the impact of colonial racism as part of the exploitation of African people by European traders in the Indian Ocean and trans-Atlantic trade systems. The origin of international trade in the Indian Ocean stemmed from the arrival of the Portuguese, which sought out gold and loot to be taken from the Swahili peoples. In this manner, the Swahili were not technologically advancedRead MoreAfrican Slavery And The New World s Demographic Profile1014 Words   |  5 Pagespolitical power from another territory. It is a set of unequal relationships between the colonial power and the colony and often between the colonists and the indigenous population. Colonization is the act of setting up a colony away from one s place of origin. Colonists settled British North America for different reasons. Some came for profits; others came for religious freedom. For those colonies established for profit, the British Crown granted charters to venturing proprietors or joint-stock companiesRead MoreThe Importance Of The Crusades788 Words   |  4 PagesMany major turning points in history improved certain empires throughout time. Major turning points such as wars in European history influenced how they work to support their own empire. The Crusades and the Encounter were major turning points in history because they changed Europe socially and economically. The Crusades changed daily routines in European empires and brought changes that would have impact in the future. The Crusades, a holy war, was a conflict between Christians in Medieval EuropeRead MoreChristopher Columbus s Voyage Preparations And His Religious Beliefs1401 Words   |  6 PagesColumbus’ voyage preparations and his religious beliefs, the iconic Genoese explorer harbored many pre modern convictions. The chronology of Europeans exploration dates way back before Columbus and the Age of Exploration in the 15th century. In actuality, the Age of Exploration started with the iconic Venetian explorer Marco Polo and his own exploration in the East. Evidence indicates that in the late Middle Ages, the Venetian explorer Marco Polo voyaged to Asia (1271- 1290) in hopes of discoveringRead MoreColumbus And The New World Essay1136 Words   |  5 PagesThe theories on how Native American’s ended up in the America’s ranges from a variety of myths, theories, and Stories that all seem logical in their own sense. (History Book: 1.1 Questions of Origins) â€Å"Like All other peoples, the varied Native American societies retain rich accounts of their own Origins.† All tribes across America have their own creation story on how they came about in This life and specifically the land they occupy. (History Book: 1.1) â€Å"We emerged from the earth, Created byRead MorePositive Effects of Colonialism1322 Words   |  6 PagesBritain and other European countries, owned third world colonies. ‘Third world’ originally referred to countries that did not belong to the democratic, industrialized countries of the West (the First World) or the state-socialist, industrializing, Soviet Bloc countries (the Second World). This paper uses specific third world examples to summarize the main positive impacts of nineteenth and twentieth century colonialism, when colonial powers reached their peak. It focuses on European colonialism in AfricaRead MorePositive Effects of Colonialism1311 Words   |  6 PagesBritain and other European countries, owned third world colonies. ‘Third world’ originally referred to countries that did not belong to the democratic, industrialized countries of the West (the First World) or the state-socialist, industrializing, Soviet Bloc countries (the Second World). This paper uses specific thir d world examples to summarize the main positive impacts of nineteenth and twentieth century colonialism, when colonial powers reached their peak. It focuses on European colonialism in AfricaRead MoreMeasuring The Culture Of Innovation957 Words   |  4 PagesThrough collaboration with these external partnerships, they continued, the organization can obtain useful data about current and future product designs that reflect the true needs of the consumer. For example, with a culture built on openness, exploration and collaboration across sectors - constituting the strategic resource of a furniture manufacturing firm - the latter is likely to gather actionable data that could lead to both incremental innovation within its current product lines, or a radical

Tuesday, May 5, 2020

Problems, challenges, prospects and success (a case of malawian companies) free essay sample

Overall, probably the greatest benefit comes from the fact that a computerized accounting system can do the same thing as a manual system, but does them better1. Many software or accounting packages have been developed which can be used in various businesses, whether small or large. This project paper discusses the computerization of accounting functions and looks at the problems, challenges, prospects and success in selected two Malawian business organisations. 2. 0 INTRODUCTION Manufacturing and trading entities are important organs of the world’s economic dimension. Companies and other entities need to communicate to the employees and public and statutory administrative bodies about the transactions they perform which have financial implications. This need is precisely addressed by a language called accounting. Accounting is hence the language of business2. Until about one hundred years ago all accounting data was kept by being recorded manually in books. Nowadays although manual accounting system may be used (particularly by smaller organisations) most accounting data is recorded electronically and stored electronically using computers. We will write a custom essay sample on Problems, challenges, prospects and success (a case of malawian companies) or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Most businesses now use modern computerized accounting systems. It is worth noting that the benefits of using computerized accounting system vary from business to business with each one deriving different benefits. The decision by an organization to have computerized accounting system depends on the company’s need to have accurate , consistent and timely data in a variety of reporting formats3. This project paper will discuss the computerization of accounting functions in two selected organisations. The paper will discuss the theoretical aspects of computerization, the benefits and disadvantages of computerization, the determinant factors for computerization in the two organisations. The paper will also discuss critical issues on computerization of accounting functions relating to policy, legal framework, financing, hardware and staffing. Challenges and prospects of computerization will be discussed and recommendations will be made on computerization in general and the two companies in particular. The methodology used in the study is that questionnaires were administered to key staff in accounts and information technology departments in the two organisations. The responses to the questionnaires have formed the basis of this project paper. The organization also employs temporary staff and labourers especially during the period it is conducting the Government subsidy programme. The organization has a head office in Blantyre and it has three main depots which have warehouses in Blantyre Lilongwe and Mzuzu. SFFRFM has satellite depots through which it sells fertilizer through the country. The organization has computerized almost 70% of its accounting functions and uses Proteus SCO-Unix software. Some of its accounting functions like stocks, debtors and fixed assets are not yet computerized. Alliance One Tobacco (Malawi) Limited (Alliance One) was formed on 13th May 2005. Alliance One is one of the only two global independent publicly held leaf tobacco merchants. Alliance One primary business revolves around the selection, purchase, processing, storage, packing, shipping and sale of leaf tobacco. The tobaccos are used internationally in branded cigerettes. Alliance One is a multinational company. Alliance One consolidated entities employ approximately 4,400 persons excluding seasonal employees. Alliance One use SAP accounting software which is supported by ToPS and IFAS as subsidiary packages. All accounting functions of Alliance One are computerized. 3. Computerized accounting system uses computer software to process accounting data and information. The computerized accounting system follows the same process as the manual accounting system. This means that in the computerized accounting system there are same stages of input, processing and output as in the manual accounting system4. Manual accounting implies that employees perform the whole accounting cycle manually on a periodic basis: they calculate trial balances, journalize transactions, prepare financial statement reports and other routines. Of course it takes much time, resources and effort in large organisations. Computerized accounting implies that the only thing that employees do is recording transactions into the computer which processes other steps of accounting cycle automatically or by request5. Accounting is purely human invention, having no independent existence in nature. Hence, it cannot in any true sense have been discovered, but it must have been constructed by human minds to serve human needs. Meigs et al 19996 specified the basic functions of accounting systems, in developing information about the financial position of a business and the results of its operations; every accounting system performs the following basic transactions: 1. Interpret and record the effects of business transactions, 2. Classify the effects of similar transactions in a manner that permits determination of the various totals and subtotals useful to management and used in accounting reports, and 3. Summarize and communicate the information in the system to decision makers. Computers can be used in all aspects of the accounting system. When computers are used for some or all of accounting activities they can do everything that can be done with a manual system, but computers often do them faster, more accurately and more efficiently. The benefits which accrue to SFFRFM and Alliance One when using computerized accounting system are numerous. Some of the benefits are as follows: saving costs and money, the software in SFFRFM and Alliance One costed the organizations a lot of money and the organizations pay a licence annually. However despite these costs the overall effect of using Proteus and SAP accounting software has resulted in the saving of costs and money. As indicated the functions of SFFRFM are spread across the country, information is hence supposed to be sent daily by pony to head office for collating. These functions are however done online greatly reducing costs. This also leads to the benefit of saving time. This is unlike in manual system where the information is supposed to be sent to head to be recorded manually. This could take a lot of time, however this is done right at the depots saving time. Another aspect of time management is that the information in the two organisations is processed on time and targets are met. The two organisations are huge in size and transactions so processing the information using computerized accounting system saves time and man power unlike if it could have been done manually. In Alliance One the linkages SAP accounting system has with the other subsidiary packages means there is less manual intervention saving the users a lot of time. The other benefit is minimization of mathematical errors, the functions which are done manually in SFFRFM have a lot of mathematical errors which is unlike the case for functions done in Proteus. The other notable thing is that mistakes can easily be corrected in Proteus unlike in manual accounting system which is a tedious task. Generation of reports is automatic and instant, this becomes handy when preparing Board meetings which needs various reports at a short notice. Speed of data entry is another advantage, this can be carried out more quickly than in manual processing. The data to be entered in the software in SFFRFM relates to data from the whole country which is entered directly at depots. If the whole data would be gathered and entered manually at head office it would lead to a lot of time wastage. The other thing is that information is up to date as the accounting records are automatically updated. When Management request for information the information is instantly available, the information can be made available to other users like the Board, internal auditors, external auditors or Malawi Revenue Authority instantly. The other benefit which stood out from the two organisations for using computerized accounting software rather than manual accounting system is increased job satisfaction. Computerized accounting system is efficient as better use is made of resources and time, further the onscreen and printed data is legible and hence avoidance of errors which are caused by poor figures. Staff motivation is another benefit. Staffs in SFFRFM and Alliance One have been trained in Proteus and SAP accounting software on several occasions. The staffs are also constantly trained when the packages are being upgraded. The training makes the staff feel more motivated. Integrity of data is another advantage in Proteus and SAP accounting software, the data produced is accurate this is because there is less room for errors as only one accounting entry is needed for each transaction rather than two or three for a manual system. The use of Proteus and SAP accounting software has also lead to reduced staff frustration, especially Management who usually are now on top of the accounting systems leading to reduced stress levels. There are also several disadvantages as well of using computerized accounting software. When the Proteus package was first introduced in SFFRFM it came with several technical problems. The technical problems had to be rectified using the local technical support, Burco Electronics. Some of these problems which arose due to bad programming and inappropriate software subsist to date. SAP accounting software is also poorly programmed in that it does not have all the features needed. The other disadvantage is power blackouts, when there is a power blackout some entries could hang. Fortunately the computers are connected to Uninterrupted Power Supply (UPS) which allow any entries which have hang to be saved for later correction. The computerized accounting system for the two organization are also prone to hackers and viruses, this can arise in case of poor controls. The hackers can access the accounting system without permission and enter data or delete accounting files. This is however safeguarded by having an anti-virus installed which is upgraded by the technical support team of Burco Electronics in case of SFFRFM from time to time. Proteus and SAP accounting package are dynamic, they keep on changing, the systems are hence costly as they require constant upgrading. Staff need to be constantly trained as well so as to effectively manage and use the systems. Some of the benefits of computerization bring problems of their own. The extraction of too many various reports that could not be achieved under a manual system can also lead to information overload as decision makers suddenly find they have too much information for them to fully understand and apply. The reports and information extracted from a computer can only be as good as the data placed into it – the well-known â€Å"garbage in, garbage out† situation. If the full benefits of computerization are to be enjoyed, regular checks need to be made to ensure that the data input is accurate and timely7. The other disadvantage is that of computer fraud if proper levels of control are not properly instituted. The good thing about Proteus and SAP is that both packages have different levels of control depending on seniority in the organization hierarchy. The need to computerize accounting functions in SFFRFM and Alliance One was due to several factors. In order to stay on top the two organisations have to analyse the performance of all organizational cells and discover all the deviations from the plan, their causes and finally the organisations’ management has to take corresponding measures to avoid such deviations in the future. To that end management needs financial and accurate information for making decisions. The information need to be availed to management with speed. Using that information management is able to identify and solve problems in the two organisations. The information to be availed to management need to be easily available and the reports need to take various forms which will enable management to make good, right and timely decisions for the organisations. The two organisations are required to reveal certain financial and management reports to the government and public users, in that regard management need to fulfill such difficult reporting requirements and provide financial information in formats required by their governing bodies such as Malawi Revenue Authority and the Board. As already alluded to, the use of computerized accounting system in the two organisations save money and costs. Management of the two organisations need to be more cost effective and this requires them to do more with less in terms of time and resources. 6. 0 DETERMINANT FACTORS FOR COMPUTERIZATION The main aim of computerized accounting system is to perform the processing stage electronically, much more quickly, consistently and accurately than if it were done manually8. The factors which were considered by the two organisations when buying Proteus and SAP accounting software respectively were several. The needs of the two organization were the main consideration to buy the software. Proteus software is used mostly in warehousing and distribution and suitable for operations which are spread over a large area i. e. the whole country. SAP accounting software was chosen by Alliance One Head Office in the United States of America. SAP is a global package hence all users have access to global support. The other consideration was scalability especially for Proteus. Proteus has the ability to meet future financial accounting needs of the organization as the organization grows. Proteus package has been upgraded by the organization on several occasions to meet emerging business needs. The other factor which was considered was the technical support for the software. Proteus has the support from local software suppliers Burco Electronics. SAP accounting system is supported in many countries as well as it is a global package. The support has also taken the form of training in that each and every time Proteus package changes or is upgraded, the technical support team conducts training in the organization. Proteus and SAP accounting software are user friendly. Further Proteus is able to interact with other packages like Excel. SAP accounting software is able to interact with Excel and other subsidiary packages namely ToPS and IFAS. The software used by the two organisations has features which the organisations need. Some features will be needed to be added to Proteus software like stocks, fixed assets and debtors modules. These modules will have to be added because they are now needed by the organization. The SAP accounting package does not have all the required features, there will hence need to upgrade the package with the needed features in the future. The other factor which was considered in determining the software to use in the organizations was accountants interface. The accountants were consulted when buying the software like Proteus. Several dealers came to the premises at SFFRFM to do demonstrations of the accounting packages and the accountants were present during the demonstrations. The subsidiary packages for Alliance One, ToPS and IFAS were bought after consulting the accountants so as to supplement the main accounting package SAP. The availability of qualified staff to operate the accounting software in the two organisations was also considered before buying the software. A special Data Entry Clerk was recruited in SFFRFM to handle Proteus. The duties of the Data Entry Clerk also include training other staff in the use of the package and offering first hand technical support if there is a problem. A review of the hardware requirements for the software was conducted in the two organisations. Enough hardware with special features to handle the accounting software were bought. As already stated Proteus requires to be upgraded, this will need additional hardware to be used by staff who will be dealing with the added modules. Apart from the factors considered mentioned above, there were also several numerous factors which were considered before buying the software like the actual cost of the software, the size, language and consideration to buy major brands. The two organisations also shopped around to look for a supplier who can offer the best value of money for the chosen software. The two organisations have written ICT policy documents which regulate the usage of the accounting software. The policies restrict among other things downloading of software from the internet which can corrupt the accounting package. The policies also deal with levels of approval and access to the accounting package. The use of the accounting software to perpetrate fraud is prohibited. The policies also restrict unauthorized access to accounting information and modifying of its contents. Legal Framework Certain functions that are illegal are prohibited to be carried using the software or organisation’s computers. Deliberate and serious breach of the policy statement will lead to disciplinary measures which may include the offender being denied to computing facilities, termination of service or legal action. Financing Proteus and SAP accounting software requires that a licence fee be paid annually to enable users access the systems. If the licence has expired it may be difficult to run the software. Both accounting packages are dynamic and changes frequently requiring upgrades. The upgrading of the accounting software requires the payment of extra money. When the package needs extra features, such additional modules are bought using money and this can be quite costly. Hardware Hardware to be used for the software is bought from reliable sources to ensure compatibility and uniformity with the package. Installing of software on organisation’s hardware is also restricted as such software may corrupt the accounting software. Use of hardware for leisure or personal purposes like accessing internet, sending and receiving personal mail, playing games etc is monitored and controlled to avoid abuse. The staff are also required to care for hardware equipment assigned to them for their day to day work. The care include not to take food or drink whilst using hardware, not to re-arrange how equipment is plugged, switching off computers when not in use etc. Staffing Computerization of accounting functions results in efficiency and less manual intervention; it enables certain functions to be done by fewer people. When Proteus was introduced in SFFRFM it led to reduction of staff in accounts, the excess staff were assigned other duties leading to more efficiency. An extra person was recruited in accounts, a Data Entry Clerk, to operate the Proteus accounting package. 8. 0 CHALLENGES AND PROSPECT The introduction of Proteus and SAP accounting software in SFFRFM and Alliance One was a positive move with lots of benefits and advantages as already discussed. However the introduction of the accounting packages has its own challenges and limitations. Some of the challenges include that the flexibility of the staff in using accounting software poses a big problem. Most of the staff especially in SFFRFM are not well versed with computers, the staff were employed a long time ago when the organization was starting and do not have an indepth knowledge of information technology. There was also great resistance to change when the system was being introduced in SFFRFM due to the caliber of staff. The other challenge is the frequent power blackouts experienced especially in Malawi. The two organizations have Uninterrupted Power Supply (UPS) which enable staff to continue working for a limited time when there is a power blackout. Proteus and SAP accounting package are advanced and are not easily corrupted when there is a blackout. The packages are also able to save the entries before the computer switches off. The other challenge experienced especially with SAP accounting software is that it does not have all the required features. The system does not meet all the needs of the organization. All Alliance One entities use the same package which is interlinked, this means that there is strict control especially on access to certain information for fear of hackers or unauthorized usage. The packages are also very costly since they need constant upgrade which requires money. The users need to frequently go for training as well which is costly. The most notable prospect of Proteus computerized accounting software is the scalability. The software can be upgraded based on the requirements of the business, there is currently a need to upgrade the software to include stocks, fixed assets and debtors module. 9. 0 ACTUAL FINDINGS IN SFFRFM AND ALLIANCE ONE SFFRFM accounting system is partially computerized. The accounting package used in SFFRFM is Proteus SCO-Unix. The other accounting functions like stocks, debtors and fixed assets are not yet computerized. All in all about 70% of the accounting functions in SFFRFM are computerized. Proteus accounting software was chosen because of its flexibility in terms of warehousing and distribution. SFFRFM has got warehouses which are used to keep fertilizer. The operations of SFFRFM are spread across the whole country, the system can also be run on a wide area network online. The most direct benefit of Proteus to SFFRFM is that it is easy to follow transactions. Adjustments can also be done easily in Proteus, this is unlike in the manual system where to do adjustments is pretty tedious. The computerized accounting system also reduces costs of running business in the organization. In a manual system documents are supposed to be sent from the whole country to head office to be keyed in. This does not happen in Proteus as data entries are made right at the depots. The big disadvantage of Proteus is the cost of running the software, the software needs regular upgrading. The upgrading is costly and it also comes with staff training costs. SFFRFM intends to upgrade the software. This poses a challenge as at the moment the software is not being fully utilized, only 50% of the functions of the software are in use. The first step before upgrading is to make sure that the modules available are being fully utilized to avoid creating confusion. In conclusion there is big difference in terms of accuracy, speed and efficiency between the functions that are manual in SFFRFM and those that are computerized. Manual accounting system is tedious and time consuming due to the magnitude of the organization and the sheer volume of transactions. Alliance One accounting system is fully computerized. All accounting functions in Alliance one are computerized. The accounting package used is SAP accounting software, there are also subsidiary packages which are used locally namely ToPS and IFAS. SAP accounting software was chosen by Alliance One Head Office in the United States and is being used by all its entities throughout the world. The main benefits of using the package is that the users have access to global support. SAP accounting also easily interacts with other software like Excel and its two subsidiary packages and there is virtually minimal manual intervention. The main disadvantage of using SAP accounting software is that all Alliance One entities throughout the world are linked and because of this the system can be slow. As some functions are controlled from head office, other people do not have access to certain functionalities. The package does not have all the required features. Alliance One accounting functions have never been manual. It is not possible to have a manual accounting system in Alliance One due to the sheer volume of transactions and also the fact that it is a multinational company spread across the world. Just like Proteus, SAP accounting system is dynamic and changes with time and hence it requires constant upgrading. The system requires extensive staff training because it is complex and is frequently upgraded. All this can be costly. 10. 0 CONCLUSION Accounting is an important part of every business. Accounting is the language of business which is accepted in all developed and developing countries. All features in a manual accounting system such as profit and loss accounts, balance sheets, cash flow statements and management information can be replicated in a computerized accounting system which not only does them quicker, more accurately and 100 percent consistently, but can also do them more frequently and do other things as well. The main aim of computerized accounting system is to perform the processing stage electronically, much more quickly, consistently and accurately than if it were done manually. Both managers and accountants need to appreciate that the use of manual accounting systems is inadequate when it comes to production of timely reports, accurate and reliable accounting information. 11. 0 RECOMMENDATIONS There are various recommendations which can be made following our discussion in the project paper relating to accounting software in general and the two organisations in particular. It is recommended that SFFRFM fully computerizes its accounting functions so that it is 100% computerized. The organization need to buy the modules for stocks, debtors and fixed assets. That way the organization can fully benefit from computerization of all of its accounting software. Most of the staff in SFFRFM are not well versed in computers. Staff should be sent on an extensive training so that it becomes easier for them to use computers and be conversant with accounting software. It is recommended that SFFRFM buys a power generator at its head office so that computing functions should not be disrupted when there is power failure. Several recommendations can also be made pertaining to Alliance One. It is being recommended that Alliance One upgrades its SAP accounting software so that it should have all the features needed. The upgrade should also look at the speed of the package as it is slow due to the fact that all Alliance One entities are interlinked. Control of the SAP accounting package from head office in United States should be minimized to enable other people have easy access to certain functionalities. Both organisations need also ensure that there are adequate controls on usage and access to computers to avoid hackers and computer fraud. The levels of control in access to the packages need to be strictly adhered to. REFERENCES 1. Wood, F and Sangster, A (2005) Business Accounting 1, Prentice Hall, 10th Edition 2. Horngren, C et al (2008), Introduction to Financial Accounting, 9th Edition 3. Breen, John, Sciulli, Nick Calvert (2003), â€Å"The Use of Computerized Accounting System in Small Business† A paper for the Small Enterprise Association of Australia and New Zealand 16th Annual Conference Ballarat, 28th September – 1st October 2003