Investment Clubs Options P4DB Essay Example | Topics and Well Written Essays - 750 words

Investment Clubs Options P4DB - Essay Example Still, this does not mean that a person should give up on the idea or desire of getting rich. 'Investing' is the option that allows a person to get affluent, provided one is willing to take intelligent and calculated risks. The second reason one must invest is that human body and mind deteriorate over time and so does the value of saved money. After having worked very hard in the youth, everyone desires to enjoy a happy and secure retired life. The problem is that the money saved by a person over time loses its worth owing to inflation (Orman, 2000). Hence, if a person has saved $ 100 one year and the rate of inflation is 5 percent, the next year that saved $ 100 will be able to purchase only $ 95 worth of goods and services. Now, imagine where one's savings will end, if one chooses to be a sitting duck before the vagaries of inflation. Hence, to make one's savings inflation proof, one ought to invest. Investment divests your savings of their laziness and makes your money work for you. Investing means making one's hard-earned money appreciate and generate income over time. 1. Before investing, an individual must be aware of one's short-term and long-term needs and requirements. Caring for short-term needs means making investments that can easily be liquidated. Such investments usually carry low returns. Providing for long-term needs means making investments that are more or less fixed over a specific period and yield high returns. One's genuine needs ought to define one's investment decisions. Therefore, if one is planning a baby next year, one will definitely have to pay the hospital bills and bear the other attached expenditures. In such a scenario, getting all one's savings entrapped in long-term investments is not wise. On the contrary, if one has young children and wants to provide for their college and university education, long term investments definitely make sense. 2. Always look forward to diversifying one's investments. Diversification means not risking everything on one endeavor. The entire motivation behind investing is the willingness of a person to take risk to get high returns. Hence, the magnitude of risk while investing is usually inversely proportional to the range of diversification (Markowitz, 1991). The more one diversify one's investments, the more is one insulated against risk. Therefore, it is always wiser to diversify investments among instruments like bonds, stocks, real estate, metals and mutual funds. 3. The investment and diversification strategy of an individual needs to be planned while taking into consideration one's age and the time left in one's retirement (Markowitz, 1991). While one is young, one can definitely afford to invest in high risk instruments in the expectation of getting good returns and optimal capital appreciation. However,

ORGANIZATIONAL BEHAVIOUR Assignment Example | Topics and Well Written Essays - 750 words

ORGANIZATIONAL BEHAVIOUR - Assignment Example What follows a portion of the meeting’s proceedings: Gus (Accounting Technician): â€Å"You see, the problem here is this new manager is constantly interfering. He gives us a job to do, gives us a deadline, and then before we can get to work, he’s down our necks for no apparent reason.† Our department, all 6 of us, had grown very used to running our show, to holding each other accountable, and for taking on many of the duties that our last boss entrusted us with challenging responsibilities, many of which he himself used to oversee until he saw that we could do it. We earned his trust and he had ours in return. Now, the freedom to make decisions, the ability to chart our own course seems to have vanished. It’s been a shocker, and a disappointing one to say the least†. ... Some days I’m not sure if I’m supposed to actually lead the team, or if I’m expected to function as a Staff Accountant when our Director’s around – after all, he’s calling all the shots around here anyway. It seems I’m not really leading anything.† And when I do give direction to the team, I feel myself snapping at them more than assisting them. It never used to be like that. We got along so well, understood our roles so clearly, and always seemed to have each other’s back when it counted. Now it’s like we can’t stand each other, are always at each other, and can’t wait for quitting time to roll around. Petra: This is helpful, and obviously not easy to for some to discuss. I appreciate your honesty here. Does anyone else have anything to add that I should be aware of? Darlene (Accounts Payable Clerk): I just can’t get over how different the look and feel of our team has become in the last month. As Gus and Wanda have said, we were a pretty well-oiled machine before this new Director stepped in. You could give us a task, offer a deadline, and know that this team would make things happen. Now, everyone is so confused over what is expected that it’s impacting our ability to work together. For myself, I’m finding myself growing so unsure of my own ability to exercise any independent thought for fear of retribution, that it’s just becoming easier to let others take the lead and kind of sit back. I know this isn’t right, and I know I need to get back to the way I once was, but I’m just not sure how realistic that is given our current situation. Besides, when I ever I step in and try to manage, I’m feeling second guessed. I don’t know whether I should be managing or

Please discuss the following question with philosophy knowledge and Essay

Please discuss the following question with philosophy knowledge and ethics - Essay Example All societies have an established and well defined moral code of conduct that governs the people’s behavior. This code of conduct is agreed upon and adhered to by all members of that society. Failure to uphold this moral code of conduct gives rise to the disruption of the social order of a society. This is followed closely by social chaos and social unrest. Insecurity in a society will also be rampant if the upholding of morality is not in an individual’s rational self-interest. Insecurity gives rise to vices such as theft, rape and violence. In an insecure society, people lack respect for one another. This is the reasoning behind the occurrence of most of these vices. The perpetrators of these vices do not care whether what they are doing is right or wrong. They simply commit them for their own self-gratification. Societies are governed by moral law whose main objective is to ensure the well-being and peace of its members. When the moral law is not adhered to, peace demises and insecurity flourishes. Morality is considered to have an innate value. This is why people ought to be morally upright. An individual or society that does not adhere to the laid down moral principles would easily destroy this innate value. The society will not achieve its goals and it will always lag behind in developmental issues. The individual will also be filled with guilt and lack focus in