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The Importance of Proper Asset Allocation

- According to Investopedia (Asset Allocation Definition, 2013), asset allocation is an investment strategy that aims to balance risk and reward by distributing a portfolio’s assets according to an individual’s goals, risk tolerance and investment horizon. There are three main asset classes: equities, fixed-income, cash and cash equivalents; but they all have different levels of risk and return. A prudent investor should be careful in allocating each asset class to his portfolio. Proper asset allocation is a highly debatable subject and is not designed equally for everybody, but is rather based on the desires and needs of the individual investor....   [tags: Asset Allocation Essays]

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Effective Digital Asset Management

- Introduction “According to Forrester Research, American workers spend $404 billion annually, or 11% of all U.S. wages, looking for the information they need to do their jobs. Giving employees the right tools to stay afloat in a data and knowledge-driven workplace is imperative across the board.”[1] With the world of digital data growing exponentially year on year, the above quote could just represent a mere drop in the ocean when accounting for the time workers spend looking for information....   [tags: Digital Asset Management]

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The Capital Asset Pricing Model ( Capm )

- 1. Please discuss and explain the CAPM and the SML. Provide a numerical example for the CAPM. Total risk is the relevant measure of risk, do you agree. The security market line (SML) is a line that charts the efficient, or market, risk versus return of the entire market at a specific time and demonstrates all risky marketable securities. The SML basically diagrams the outcomes from the capital asset pricing model (CAPM) recipe. The x-hub speaks to the risk (beta), and the y-hub speaks to the normal return....   [tags: Capital asset pricing model]

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The Role Of Expenditure On Research And Development Stage As An Asset

- TQ1. a) AASB Framework para 49(a) has provided the definition of an asset as:” An asset is a resource controlled by the entity as a result of past events and from which future economic benefits are expected to flow”. So there are two criteria that need to satisfied in order to classify expenditure on research and development stage as an asset: • Future economic benefits are expected to flow to the entity: In this case, yes. Only if the research and development stage has succeed in developing an asset/product that entity can use/sell • Control over the future economic benefits has been established by a past event: Uncertain as the research and development can fail and give no result => no con...   [tags: Balance sheet, Asset, Intangible asset]

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Apple Inc. : Asset Management

- Inventories have very little influence as to whether Apple Inc. has the ability to be responsible for current liabilities using their current assets. This fact is a representation that Apple does not rely heavily on inventories to account for assets. This means that Apple has other current, or short-term assets like, cash and cash equivalents, short-term marketable securities, and accounts receivable among other assets, that if needed, could cover the company’s current liabilities. Apple maintains levels of inventory that keep up with consumer demand rather than sitting on inventory that could potentially not move (Apple Inc....   [tags: Balance sheet, Asset, Inventory turnover, Stock]

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Inventory Management And Fixed Asset Management

- Inventory Management and Fixed Asset Management – One and the Same. Professional service firms don’t sell products, rather they sell their time and expertise. The common problem is that many smaller firms see the profits generated from their services, but they overlook their losses from poor inventory management and fixed asset management. Even worse, they sometimes manage and track them in the same manner. To make things a bit more complicated, inventory management and fixed asset management are not one and the same....   [tags: Balance sheet, Asset, Inventory, Bookkeeping]

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Introduction To Asset Pricing And Investor Behavior

- Uses and Iimitations of the CAPM Introduction Graham and Harvey surveyed the CFOs of 392 U.S. firms and found that when estimating the capital of assets,73.5% of respondents use the CAPM.( Graham, J. R., and C. R. Harvey,2001) It is a model which uses simple formula to evaluate asset pricing and investor behavior. This model is absolutely the method with most investors used, but many financial experts raise an objection to the veracity of this method in the recent years. Later in the main body of the essay will discuss these questions....   [tags: Capital asset pricing model, Investment]

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A Brief Note On The Civil Asset Forfeiture

- Civil Asset Forfeiture What is forfeiture. A basic definition of forfeiture can be found nearly anywhere on the internet, including this one from Merriam-Webster, “the loss of property or money because of a breach of a legal obligation.” According to the Federal Bureau of Investigation’s website, there are two types of forfeiture, that of criminal and of civil. Criminal forfeiture typically happens after a criminal has already been charged with something after going through a legal process. They will have to give notice to the criminal, and then upon conviction, the government has rights to seize the assets in question from the offender ("Forfeiture.")....   [tags: Crime, Criminal law, Asset forfeiture, Rhetoric]

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Capital Asset Pricing Model ( Capm )

- Security market line (SML) is a line on a chart representing the capital asset pricing model (CAPM). The security market line plots risk versus expected return of the market. The security market line is a useful tool in determining the relationship between risk and return for individual securities. If a security plots the security market line, it indicates a higher expected return for a given level of risk than the market. The security market line shows a positive linear relationship between returns and systematic risk as measured by beta (Boundless, 2016, para.2)....   [tags: Capital asset pricing model, Financial markets]

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When Companies ' Books Goodwill, An Intangible Asset

- Whenever companies’ books goodwill, an acquisition has taken place. The term goodwill is when a company purchase another company for more than the fair market value. The excess of a purchase price paid over the fair market value of the acquired assets, minus the fair market value of assumed liabilities equal to goodwill. Goodwill is an unidentifiable intangible asset. Intangible assets are things that will benefit a company for future economic purposes such as patents, copyrights and trademarks....   [tags: Balance sheet, Asset]

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Capital Asset Pricing Model ( Capm ) And Arbitrage Pricing Theory

- Introduction This report discusses about the strengths and weaknesses two types of asset pricing theory - Capital Asset Pricing Model (CAPM) and Arbitrage Pricing Theory (APT). The CAPM model shows the relationship between the fair expected returns and the systematic risk of a portfolio. Figure 1 shows the formula of CAPM. The APT model also shows the relationship between the fair expected returns and risk in line with the law of one price, taking into account both systematic and unsystematic risks....   [tags: Capital asset pricing model]

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Capital Asset Pricing Model ( Capm ), Arbitrage Pricing Theory

- In the following essay I will be comparing and contrasting the effectives of capital asset pricing model (CAPM), Arbitrage Pricing Theory, and the Fama-French three factor model when estimating the cost of capital and explaining performance of investment portfolios. Todays widely used CAPM model was originally developed by Sharpe (1964) in order to explain how capital markets set share prices. (Pike and Neale) However, was then developed by others such as Harry Markowitz, John Linter and Jack Treynor....   [tags: Capital asset pricing model, Financial markets]

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The Challenges Of Public Asset Management

- In the last three decades, a New Public Management (NPM) as a general set of financial and managerial reforms in the municipal sector has been adopted in many countries. The most difficult challenges in the historical backdrop of the NPM execution are the alterations in management of public asset and governance policies. The management of public sector asset reform considered as a central point and change the public sector organizations progressively (Grubisic et al. 2008). Meanwhile, BPK RI (Badan Pemeriksa Keuangan Republik Indonesia) as an audit board in Indonesia, tends to issue qualified opinion on the financial statement of local governments (34% of local government receive unqualified...   [tags: Public administration, Government, Management]

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Description Of A Human Asset Director

- 1.Why do you think you meet all requirements for a human asset executive 's/director ' position. The part of a human asset director needs the individual to interface with others on a human level and help them meet their goals while taking after the organization 's approaches, structure and guidelines. I think with an encounters I have, I know well how to manage people and my last business has given me a decent understanding into the standards and controls a HR chief needs to remember while working....   [tags: Human resource management, Management]

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A Brief Note On An Asset Or A Liability?

- Bookkeepers: An Asset or a Liability. Mired in dread by most and oft an exercise in futility, business owners spend agonizing hours tracking and paying obligations, calculating payroll, balancing checkbooks, and soliciting payments from past due accounts. From a place of naiveté, most business owners initially deny delegating these fundamental tasks to a seasoned bookkeeping professional whereby reasoning this method of business operation will improve their bottom line. Furthermore, each year a growing number of business owners find themselves scrambling in a near panic, sometimes successfully, sometimes not, to assimilate records in order to present to a CPA to meet tax deadlines....   [tags: Small business, Business]

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The Capital Asset Pricing Model

- 2.1 The Capital Asset Pricing Model The CAPM is one of the most influential theories in finance, and it is widely used in applications (e.g. estimating the cost of the capital for firms) . Meanwhile, the CAPM is probably the most tested model. The beauty of the CAPM comes from its parsimony and elegance in establishing a linear relationship between risk and return. The CAPM indicates that if an investor wants to obtain a higher expected rate of return, he has to bear additional risk. It is derived on the basis of the mean-variance approach, which is first proposed by Markowitz (1959)....   [tags: Stock, Option Market]

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Asset Identification and Classification Policy

- Asset Identification & Classification Policy Policy Definition It is the goal of this organization to implement the policies necessary to achieve the appropriate level of protection for each corporate asset. Standard Protecting each asset requires collaboration from every employee. Different assets have a different probability of failure do to vulnerabilities, threats and require annual information security training for each employee. Procedure A true security program includes an Asset Identification & Classification Policies, therefore, identifying and categorizing, tracking and managing assets require one to create and implement an inventory control list according to the recommendation...   [tags: classification, procedurem guideline]

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Are The Arts Really A Vital Asset?

- “Are the arts really a vital asset in my child’s education?” This topic held a popular slot a decade ago, but today the crucial issue seems to have fallen by the wayside. Attention has been turned towards standardized testing and a focus on core subjects that are supposedly essential to the student’s performance in and out of the classroom. What many do not know is that the arts have a significant affect on people of all ages, especially children. The problem is, facts have been overlooked, causing state boards to make severe budget cuts in school systems nationwide....   [tags: Education in the United States, Education]

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A Report On Fixed Asset Turnover

- Average Collection Period (Days) of XERO decreased to 63.36 days in 2015 from 74.85 days which means that debtors of XERO will pay or collection payment from debtors can be done in 2 months approximately which is good as company can receive its cash early now which can be used for paying operating and administrative expenses. Subscriptions are charged one month in arrear through direct debit but as XERO is scattered over the world, receiving payment collection in two months from oversees is a fair time....   [tags: Stock, Financial ratio, Balance sheet]

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Notes On Asset Management Limited

- TAK Asset Management Limited (‘TAML’) is a Securities & Exchange Commission licensed Funds and Portfolio Manager founded in 2015. We are a boutique firm that emphasizes on growing the purchasing power of our client’s capital. We focus on developing a thorough accepting of our clients’ investment goals and create tailored solutions that generate real returns. TAML is also attentive on extensive due diligence, independent investment judgment and a decision matrix based on the fundamental and technical evaluation....   [tags: Investment, Collective investment scheme, Finance]

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Education Is The Single Greatest Asset

- Education Education is the single greatest asset in creating the informed, capable citizens essential in every modern society. Our country’s success hinges on our ability to reform education to better prepare students for the new challenges of contemporary society. One of the most crucial areas of education that must be revisited during such changes is that of educators. Teachers’ vital role in education is clear, what must be determined is how to train and evaluate our educators while ensuring the effective ones remain teachers....   [tags: Education, Teacher, School, Standardized test]

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Data Is a Preeminent Asset

- Ensuring Business Continuity in Order to Protect Data Assets Many businesses, especially those related to information technology, view data as a preeminent asset. Some assets, such as physical property and equipment are more obvious, but those that are less noticeable can be of greater value, define an organization’s image and success, and offer a competitive advantage. Information is considered such an asset and the collection, maintenance, and update of this asset is critical to an organization’s short and long-term success....   [tags: technology, business, risk]

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1136 words | (3.2 pages) | Preview

Company Culture: The Intangible Asset

- CULTURE: THE INTANGIBLE ASSET A company’s soul is its personality, its culture, and the values by which it stands; derived from a company’s core beliefs, this intangible asset determines the effectiveness of strategies and the ability to achieve authenticity. Culture consists of group norms of behavior and the underlying shared values that help keep those norms in place (Nelson, 2013). Defining and implementing desired norms of behavior requires wisdom, time, and some intellectual curiosity and emotional investment to understand what motivates employees to perform consistently well, even beyond expectations (Kotter, 2012)....   [tags: business, organization, institutionalization]

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Security as a Great Asset

- Knowledge is power. Security is the doctrine of handling knowledge, from ascertaining enemy plans and objectives to protecting the secrets of friendly forces. Through careful observation one can learn about the enemy. Someone who employs good security will be able to decide on the most efficient, safe way to achieve an objective. While risk is part if any operation, Security implies that measures be taken to minimize risk. In The Art of War Sun Tzu states that “One who knows his enemy and knows himself will not be endangered in a hundred engagements.” Security is actually a very broad subject whose purpose changes depending on where it is employed....   [tags: knowledge, germans, code talkers]

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The Value Of Total Asset

- t. The dollar amount for cash & cash equivalents increased between 2011 and 2012, yet the percentage of total assets comprising these assets declined. Explain. : Common size percentage change is often interdependent. Even though the dollar amount for cash & cash equivalents increased in 2012 by 3.5% compared to 2011, the amount of total assets has been also increased by 11.7% compared to 2011 that is much more bigger percentage increase than the increase of cash & cash equivalents. So, the relative amount of cash & cash equivalents to total assets in 2011 (15.6%) was bigger than the relative percentage of those assets in 2012 (14.5%)....   [tags: Generally Accepted Accounting Principles]

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The Troubled Asset Relief Program

- Our government plays a huge role in improving the economy, increasing the GDP, lowering the unemployment rate, and dealing with the transfer of money. Recently, the United States was faced with The Great Recession, causing Wall Street investments to crumble, unemployment rates to skyrocket, and many Americans fear what the future may hold. There were many programs that the United States government implemented in order to try to assist the growth of the economy and to try to rebound from this Great Recession....   [tags: Monetary policy, Unemployment, Central bank]

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Capital Asset Pricing Model

- Finance is very essential sector in all kind of organization to be successful. It contains many financial theories which have been developed throw the years depends on special circumstances such as time, money, demand and supply. One of the important financial theories' is the capital asset pricing model which gives the investor individuals or companies the ability to be more realistic in their investments by taking market risk into consideration. This paper will explain what the capital asset pricing model is, then it will descript the CAPM theoretical underpinning and it will conclude with evaluating the CAPM....   [tags: Finance ]

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What is Asset Allocation?

- Asset Allocation Asset allocation is the process of deciding how to distribute an investor’s wealth among different countries and assets classes for investment purposes. An asset class is comprised of securities that have similar characteristics, attributes and risk/ return relationships. In other word, asset allocation defined as investing money or well diversified in different classes of assets, as stocks, bonds and money market funds. There are several risks that involve in asset allocation, such as liquidity needs, time horizon, tax concern, legal and regulatory factors and unique needs and preferences....   [tags: investor, wealth, risks]

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Capital Asset Pricing Model

- CAPM is standing for Capital Asset Pricing Model which helps investors to calculate investment risk and also evaluate portfolio’s rate of return. It is based on the Markowit’s mean-variance theory. Capital asset pricing model is an equilibrium model which can be used to explain the relationship between the systematic risk and the expected return of a portfolio. The capital asset includes bond, stock, securities and etc. This essay will be divided into three parts. First of all, the capital asset pricing model will be fully introduced and the components of CAPM will also be explained....   [tags: portfolio theory and finance]

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Service and Asset Privatization

- ... In statistical analyses, he comes to know that the high population in prisons is an originator to the prison privatization, and privatizing prisons are more likely adapted by poorer and smaller states as they have less funds and spending restrictions. He mentions that less liberal citizens are negatively related with privatization of prison in multiple studies and imprisonment rate is positively related with the privatization of prison in one study. After the release of data on privatizing state prisons from the Bureau of Justice Statistics in 1990, he concludes that the high unemployment rate, high crime rate, less liberal citizens and high population were the prime factors which appear...   [tags: government, public, sectors, services]

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Importance Of Asset Allocation And Managing Risk

- Importance of Asset Allocation in Diversification and Managing Risk By Yulian Isakov | Submitted On January 10, 2011 Recommend Article Article Comments Print Article Share this article on Facebook Share this article on Twitter Share this article on Google+ Share this article on Linkedin Share this article on StumbleUpon Share this article on Delicious Share this article on Digg Share this article on Reddit Share this article on Pinterest Asset allocation means spreading your investments funds across many asset categories....   [tags: Investment, Finance, Bond, Risk]

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Types of Risks in Investments and Asset Allocation

- Definition Investor tends to make investment based on personal preferences regarding risk tolerance and investment horizon. Risk tolerance is the amount investment that the investors willing to lose for the greater expected returns. Investment horizon is the timeframe set by the investor to achieve their investment objectives. There is several investment strategies such as asset allocation that can assist investor to makes a better investment decision. This decision can cater the needs to balance the risk and return by the individual investor in which assisting them to adjust the portion of investment in each of the portfolio invested....   [tags: fund managers, investors, preferences]

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State Asset Policy Roadmap ( 2008 )

- • State Asset Policy Roadmap (2008) The State Asset Policy Roadmap basically suggested four priority asset building policy that may assist working families in building their wealth and assets. This include enhancing the financial skills of low and moderate income families through financial education; removing asset limits that discourage savings in all Public Assistance Programs; the enacting of a State Earned Income Tax Credit that will allow people to have some money to save; and for the State to provide support for match savings programs earmarked for homeownership, business start-up, or education....   [tags: Investment, Personal finance]

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A Short Note On The Asset Security Domain

- Voit & Die company should apply access control because it is being easily implemented with inexpensive cost, also only authorized employees can access, change, delete files which betters for the security.  Asset Security: In inventories of Voit & Die neither disposal plan nor central tracking of equipment is in appropriate place. Thus, company should perfectly apply Security Asset domain. “The Asset Security domain provides the concepts, principles, and structures, to monitor and secure assets” [TBD]....   [tags: Security, Computer security, Information security]

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Wealth Building And Personal Asset Management

- Wealth Building and Personal Asset Management: Balance Your Money in a Right Way Finance is the most important asset in anyone 's life. The lack of adequate financial planning may results in insecure life. Wealth Building and assets management ensures a secure life without any financial crunches and problems. Personal asset management ensures the growth of wealth in the right direction by implementing an investment strategy that aims at balancing the risk in terms of rewards in accordance with the investor’s financial goals, risk tolerance and investment time frame....   [tags: Investment, Finance, Bond, Risk]

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758 words | (2.2 pages) | Preview

Imagination: The Valuable Asset to Gain Knowledge

- Is imagination a more valuable asset than knowledge. Whenever I rest my chin on my hand and ponder, I can be anything. I can be Hermione Granger, fighting against Voldemort and saving my friend from evil. I can do anything with a magic wand and fly into the sky. I can drink potions to do anything I want. Such is the power of imagination; a process of thinking which provides us with anything we wish to have. And thus, imagination is a valuable asset indeed, even more valuable than my knowledge....   [tags: thinking process, dream, imagination, knowledge]

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548 words | (1.6 pages) | Preview

Using Our Emotions As An Asset At Work

- Using our Emotions as an Asset at Work We are all knitted together by our Creator, including our inner most being and our emotions. When we interact with the world, we carry our innermost thoughts with us. In Proverbs 16:32, it says, “He who is slow to anger is better than the mighty, And he who rules his spirit, than he who captures a city.” (Holy Bible NASB) It is when we recognize our emotions and are able to effectively manage them, as well as recognize the emotions of others that we have the opportunity to use our emotions as an asset to drive increased job performance and overall job satisfaction....   [tags: Emotion, Psychology, Emotional intelligence]

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The Value Of Drones As And Intelligence Asset Are Undeniable

- The value of drones as and intelligence asset are undeniable. The U.S. used UAVs on a wide scale as early as the late ‘90s and were already operating in places like Afghanistan prior to the attacks of September 11. As the effectiveness of the drones became more and more apparent the technology and surveillance capabilities improved rapidly. Drones can now spend many hours circling over known enemy locations providing both visual and audio surveillance and even capture electronic data transmissions (Kaag, J....   [tags: Osama bin Laden, Al-Qaeda]

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1161 words | (3.3 pages) | Preview

Probability Dstributions of Risky Asset Returns

- We make the following assumption regarding the probability distributions of risky asset returns: Returns are jointly normally distributed random variables which is the reason that investors can focus only on mean and variance of the returns(Fama and French 2004). This implies all portfolios created from a combination of individual assets or other portfolios must have distributions that continue to be determined by their means and variances. A portfolio of assets whose returns are multivariate normally distributed also has a return that is normally distributed....   [tags: investors, mean variance optimization ]

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Japanese Economy: The Burst of the Asset Bubble

- Since the 1990s Japan has been in a deflationary spiral that has greatly impacted the country as a whole. This deflation that crippled the booming economy of the 1970s and 1980s is the result of many contributing factors, the greatest of which was the burst of the asset bubble. This happened in the early 1990s due to the uncontrolled credit supply and quickly growing asset prices. Recovery from the ensuing economic crash some economists claim still has not been accomplished. “In Japan, overall prices have not risen since the late 1990’s,” which is a very bad thing (Gruber)....   [tags: defflation, tax rate, abenomics]

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Is Education Isn 't An Important Asset?

- To say that education isn 't an important asset in our society today would be fallacious. It would bring the thought to mind that education is just something that we use because we are forced into it. From a very young age we are drilled into our heads that we will get nowhere in life without first getting the proper education that we need and choosing a career path that will lead us into successfully supporting a family for the rest of our lives. The way we are brought into education as young children into adults can be both a gift and a curse....   [tags: Learning, Mind, Psychology, Education]

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1855 words | (5.3 pages) | Preview

Knowledge Is A Necessary Asset For Living With Humans

- extent might these vary according to age, education or cultural background. Knowledge is a necessary asset for living with humans. Every human tries to be the most knowledgeable. Knowledge is gained through a plethora of sources. Knowledge is mainly gained through direct experience, skills and knowledge claims. The sources where knowledge is gained are instinct, reason and intuition. These sources are not concrete; they are affected by many factors such as, age, education and cultural background....   [tags: Education, Learning, Epistemology, School]

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1329 words | (3.8 pages) | Preview

Capital Asset Pricing Model ( Capm )

- There are a lot of items that go into buying and investing in a company. One of the hardest decisions for a shareholder is deciding if the investment is going to be profitable. Once a shareholder decides to buy or invest in an organization the next step would be deciding how much to pay or invest. Another hard decision is if the investment that was made goes bad can you get out of this obligation. Throughout the course of the paper I will illustrate some of the items that assist with this decision process....   [tags: Finance, Weighted average cost of capital]

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Beauty Is A Girl 's Superlative Asset

- The term "beauty" has been a part of our vocabulary maybe since our childhood. Definitely, we can all recall that moment when we started to become more self-conscious. Whether or not we spent our time playing dress-up with our friends, or dressing our dolls, beauty was indeed at the forefront of our thoughts. Every girl desires to look gorgeous as beauty is a girl 's superlative asset. Are you amid those who think that they are not eye-catching enough to be able to impress a guy or amid those who think that beauty is a natural gift from God and that they are unfortunate in this matter....   [tags: Cosmetics, Cosmetology, Human skin color, Mascara]

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Beyond The Capital Asset Pricing Model

- The capital asset pricing model (CAPM) introduced by Jack Treynor, William Sharpe, John Lintner and Jan Mossin in 1972[2]is an important method to predict the risk and return in assets. Nowadays, the CAPM is still widely used in applications as it is a so simple and attractive tool. However it has the problems in many circumstances and we need some other extended and available models to evaluate the risk and return of assets. We know that CAPM is a model used to price an individual security or portfolio under many strict assumptions....   [tags: Finance]

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1468 words | (4.2 pages) | Preview

Ford 's Total Asset Size

- FATR Ratio Ford’s impressive total asset size is $225 billion (Ford, 2015a). The fixed assets turnover ratio (FATR) illustrates the effectiveness of using fixed assets to generate sales. Ford’s average fixed asset turnover ratio for 2013-2015 is (0.33 for 2015 + 0.32 for 2014 + 0.28) / 3 = 0.31 (Ford, 2015a; Ford, 2015c). Although the number is small, one can compare Ford’s FATR with a competitor during the same period to determine which one uses their fixed assets better. GM’s average FATR for the same period was (0.28 for 2015 + 0.18 for 2014 + 0.14 for 2013) / 3 = 0.2 (GM, 2015a, GM, 2015c)....   [tags: Generally Accepted Accounting Principles]

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1395 words | (4 pages) | Preview

Depreciation And Sale Of Asset

- Depreciation is the decline in the future economic benefits of a depreciable non-current asset through wear and tear and obsolescence. It is an allocation process. It can be calculated by two main methods, each reflecting in a distinct prospect in the way the asset is used. Depreciation is to be treated as an estimated expense that does not set aside cash for the replacement of a non-current asset. In determining the cost of acquisition of the lathes, any capital expenditure made must be added to the purchase price of the lathes....   [tags: essays research papers]

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Digital Asset Strategy Demystified for CPG Companies

- Defining Digital Assets for a CPG Company According to the latest IAMAI 2013 report on Internet usage in India, the number of internet users in India has reached 205 million by Oct, 2013 with a YoY growth of 40% over last year. Mobile internet users have more than doubled from 2012 and now stand at 130 million. The report also estimates that by June 2014, India will have 243 million internet users, at which point of time, it is expected to overtake the US as the second largest Internet base in the world....   [tags: internet, consumers, strategy]

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1891 words | (5.4 pages) | Preview

Growth and Development of the Capital Asset Pricing Model

- Comparing and Contrasting Pricing Model In this paper I will discuss the growth and development of the Capital Asset pricing Model (CAPM).I will also identify and analyze the different applications to the CAPM. I will try and illustrate how the model can be used to form expected return and valuation measures. These illustrations will be informed by examples from stock options and restricted stock. Finally I will conduct a comparative analysis of the potential outcomes associated and comparative benefits and risks for using the CAPM versus the Arbitrage pricing theory (APT)....   [tags: economic/financial analysis]

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Asset Price Risk and Rent Risk: Homeownership

- Rent risk may veritably carry more risk than the common presumption of the risks associated with homeownership. University of Pennsylvania Wharton School professors Todd Sinai and Nicholas S. Souleles introduce a model of tenure choice that takes into consideration the rent volatility, a household’s expected length of stay (a household’s expected horizon), the correlation in future housing prices, and evaluates the demand for owning through rent risk and asset price risk. Renters are subject to annual fluctuations in rent, but do not incur the asset price risk that homeowners carry....   [tags: housing, hedge funding]

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Notes On Investment Guidelines ( Investment Mandate ) : Asset Allocation

- 1.4.5 Unique circumstances Every investor has their own investment requirements and preferences on what amount of funds should be allocated to which security. In order for the investors to converse in a friendly manner and make decisions that will benefit the group as a whole, it is up to the fund manager to communicate each issue that may arise and to find a solution that satisfies all investors. 1.5 Investment guidelines (Investment mandate)- asset allocation Investment mandate guides fund managers into deciding which asset and building a diversified portfolio to best meet investors goals, as shown above; we have selected the assets that will best benefit the investors funds of 100 millio...   [tags: Investment, Risk, Modern portfolio theory]

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Asset Price Risk and Rent Risk: A Model for Homeownership

- Houses provide a constant, continuous flow of housing services, so the present value is equitable to the money saved valued in spot rents: The risk premium for households that choose to rent, πR, measures the total risk of CR, the cost of renting, emerging from the succession of annual shocks in spot rents. It maintains a positive relation to the equilibrium house price; if rent risk premium πR increases, the price in equilibrium will increase as the decision to own now provides the household with a greater benefit, also increasing the demand for homeownership....   [tags: financial model, housing]

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Asset Pricing Theories Involve Expected Returns

- Asset-pricing theories involve expected returns whereas asset-pricing tests are almost universally performed on noisy realized returns. This paper tries to address this important and yet difficult problem in the empirical asset-pricing research, and finds that the noise in realized returns is detrimental to the tests that it can explain why firm characteristics such as size, book-to-market ratio, share issues, profitability, and investment tend to become anomalous in time-series tests. Noise can also explain why a flat beta-return relation can easily be obtained in cross-sectional tests despite the relevance of market risk....   [tags: Financial markets, Stock market, Risk premium]

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How Culture Can Be Both An Asset And A Liability

- “Culture can be both an asset and a liability to an organisation” Notes : Point, explanation, evidence, reference. for each argument. Culture is the shared principles and traditions that influence the ways its member perform. Culture within a business organisation can be the difference between a good and a great company, this essay will discuss both positives and negatives of a strong culture then make a final decision on each aspect. The topics that will be covered in this essay are; Consistency or Inertia?, Strong company or flexible company....   [tags: Management, Culture, Sociology, The Culture]

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What Is Expensing Is Performed Whenever You Purchase An Asset?

- When to use expensing In its essence, expensing is performed whenever you purchase an asset. But the above section showed the limits to this rule. Typically only costs, which have no long-term benefit or which don’t directly increase the value of the asset substantially, are expensed. The above also showed that deciding whether to capitalise or to expense isn’t always so straightforward. There are certain costs which might seem like a good idea to capitalise, but are actually better for the finances when they are expensed....   [tags: Balance sheet, Income statement, Depreciation]

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Human Asset Management : An Essential Part For The Law Office

- A law office director or otherwise called a lawful overseer is such an essential part for the law office. The lawful overseer Oversees business capacities and additionally the general operations of a law office. Reports to the overseeing accomplice, administration panel or Administrator of the Board, and takes an interest in administration gatherings. Notwithstanding broad obligation regarding money related arranging and controls, work force organization, and frameworks and physical offices, the lawful manager distinguishes and gets ready for the changing needs of the association, offers obligation with the fitting accomplices or proprietors for vital arranging, hone administration and adver...   [tags: Law, Lawyer, Practice of law, LAW]

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Stock Asset Returns Are Predictable Part 1

- 4. THEORITICAL BACKGROUND Since the originative works of Fama (1965 and 1970), where an efficient market from the informational execution point of view was defined as one where “stock prices ‘fully reflect’ all available information” (Fama 1970) and market efficiency was categorized into three levels: weak-form, semi-strong form and strong-form. First of all, the information set through weak form efficiency, reflects only the historical prices or returns. Second of all, the information set in semi-strong form efficiency, contains information available to all market participants....   [tags: finance, classifications, efficiency]

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Losing Your Job Because You Are not an Asset

- ... Missing over the allotted amount of time earned for sick or vacation leave puts a hardship on the employer and other employees. Should an employee shows up late to work on a regular basis and/or repeatedly misses work, chances are the employee will lose that job position. Sexual harassment is a major problem in the work place. For example, if a young woman is at the water fountain getting a drink and someone walks by her and whistles or makes an inappropriate comment to her, that is sexual harassment....   [tags: employer, performance, dependable]

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Human Asset Administration Experts : New Innovations

- Innovation Innovation additionally can introduce opportunities and difficulties for human asset administration experts. New innovations may oblige HRM experts, similar to Marcy, to contract new workers skilled in the new advances. Current representatives may need to be retrained or discharged if their abilities are no more pertinent to Organizational culture The qualities and practices that add to the exceptional social and psychological environment of an association. Hierarchical society incorporates an organization 's expectations, encounters, theory, and qualities that hold it together, and is communicated in its mental self portrait, inward workings, associations with the outside...   [tags: Human resource management, Human resources]

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Language Testing And Assessment : A Great Asset For Learners And Educators

- Introduction The concept of authenticity in testing and assessment has been defined in numerous ways. A frequently mentioned definition is the one by Wiggins (1993) who describes authentic tasks as “Engaging and worthy problems or questions of importance, in which students must use knowledge to fashion performances effectively and creatively. The tasks are either replicas of or analogous to the kinds of problems faced by adult citizens and consumers or professionals in the field” (p. 229). In language testing and assessment many experts believe that authenticity should be characterized by specific characteristics: practicability, reliability, validity, authenticity, and washback (Brown, 200...   [tags: Language acquisition, Linguistics]

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Vaccination Is Not Hurtful And One Of The Greatest Valuable Asset

- Advocates contend that vaccination is not hurtful and one of the ultimate health enhancements of the 20th century. They point out that sicknesses, embracing rubella, diphtheria, smallpox, polio, and whooping cough, are current day stopped by vaccination and billions of kids’ lives are protected. The contend antagonistic responses to vaccines are massively rare. Contenders oppose that children’s immune systems can deal with utmost infections naturally, and that injecting disputed vaccine constituents into a child can cause distinctive effects, as well as seizures, paralysis, and death....   [tags: Vaccine, Immune system, Vaccination, Smallpox]

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Personality Is An Essential Asset For Human Social Interaction

- All humans have a personality. Personality is referred as the “individual differences in characteristic patterns of thinking, feeling and behaving” (insert citation later on). Personality is an essential asset for human social interaction and helps define the person. Psychologist having been trying to understand the personality of a child. Through experimentation and theorizing it can be concluded that the myth “Our personality is not formed until we are about 5 years old” is busted. Many psychologist have theorized on the development of the human personality....   [tags: Sigmund Freud, Psychology, Oral stage]

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Human Resource Management Human Asset Administration

-  Answer- 1 Human Resource Management-Human asset administration or HRM is a capacity in associations wanted to amplify labourer execution under tight restraints of a business ' arranged points. From new organisations an investment perspective value - Human resource plays important role in investment perspective- • Recent HR boss selected- Brian has recently been chosen as HR director at the city of Southbridge, a major metropolitan restricted government power. The prior human asset supervisor, Howard resigns recently following 30 years benefit with the City....   [tags: Human resource management, Employment, Woman]

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Stock Asset Returns Are Predictable Part 2

- 5. DATA SOURCES, METHODOLOGY AND VARIABLE CONSTRUCTION 5.1. Return Calculation There are two ways to calculate stock returns 5.1.1. Continuous Return This is the percentage return that would be earned by an investor who bought the stock at the end of a particular day/month t-1 and sold it at the end of the following day/month. For day t and stock A, the day return R At is defined as R At = { In (P At/P A, t-1)}*100 The stock paid a dividend in day t, the total return would be R At = {In (P At +Divt /P A, t-1)}*100 5.1.2. Discrete Return An alternative method to calculate stock returns is defined as R At = {(P At/P A, t-1)-1}*100 5.1.3. Continuous Compounded versus Discrete Returns U...   [tags: calculation, tests, source]

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Big Data Has Become A Valuable Asset

- Big Data is a concept that has existed for a while, but only gained proper attention a couple of years ago. It can be described as extremely large data sets that have grown so big that becomes almost impossible to manage and analyze them with traditional data processing tools. Big Data can be used by enterprises in by building new applications, improving the effectiveness, lowering the costs of their applications, helping with competitive advantage, and increasing customer loyalty. It can also be used in other industries to enable a better system and better decision-making....   [tags: Data, Data analysis, Data mining]

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The Most Critical Asset Too Many Company

- The most critical asset too many company is there Human resource department, they play a significant part of the organizational growth. Any company should be motivating their employee’s and retaining employees that are capable in doing what is needs for the company. Both motivating and retaining employees are essential to develop new customers and their needs as well as quality improvements throughout the company. “Motivation ranks as one of the most commonly used terms in business. Seeking to understand the nature of motivation, increase levels of motivation, and subsequently improve levels of performance has been a constant goal in management and organizational literature” (Baack, 2012)....   [tags: Motivation, Maslow's hierarchy of needs]

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Risk Assessment Report On The Asset Under The Company 's Information Asset Or Data Classification Policy

- During the system characterization step, the system under review is comprehensively understood and the underlying technology base for the risk assessment is identified. This step will define the organization’s systems and identify the system boundaries, elements, users, and network infrastructure, if applicable. This step will also assess the value of the asset and classify the asset under the company’s information asset or data classification policy. The risk assessment report will normally include the following:  Purpose of the risk assessment—what are the predefined objectives that this risk assessment is supposed to achieve....   [tags: Security, Risk, Risk assessment, Risk management]

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Asset Valuation Paper

- Asset Valuation Accounting for Managerial Decision-Making Introduction To start a new business and remain in business profitably, many critical decisions must be made when the foundation of a new business is formed. These decisions affect the company in the long run and often make or break an organization. Methods of inventory control and capitalization policies are among these critical decisions that will affect any business bottom line. Our team has investigated these policies and will present our recommendation for the method of inventory and capitalization policy for the XYZ Mattress Store in the remainder of this paper....   [tags: Business Accounting]

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The Capital Asset Pricing Model (CAPM)

- The Capital Asset Pricing Model (CAPM) Introduction In almost every economics textbook (Ben and Robert, 2001), economists tend to argue: everything’s market price is determined by consumers’ demand and supply in the market, the intersection of which gives us the long-term concept of ‘market equilibrium’. Although it sounds straightforward, it is anything but easy in practice, especially when the assets (like common stock) you are measuring associated with risk and future uncertainties. Fortunately, economists and financial analysts have developed plenty of theories to help us explain how the risk for market assets can be appropriately measured in our life....   [tags: Business Management Studies]

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Capital Asset Pricing Model (CAPM)

- The capital asset pricing model (CAPM) is a mathematical model that offers an explanation about the relationship between investment risk and return. By dividing the covariance of an asset's return by the variance of the market, an asset value can be determined. To ascertain the risk level of a particular asset, the market is evaluated as a whole. Unlike the DCF model, the time value of money is not considered. This model assumes the investors understands the risk involved and trades without cost....   [tags: Finance Analysis]

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Overview about Liquidity, Asset Price and Chinese Stock Market

- 1.0 Introduction Liquidity is one of the most basic features in financial markets. It is a vital elements leading to constant and effective financial markets (Huang and Wang 2009). However, if short of liquidity could cause financial crisis even collapses in the global financial markets. For example, in 1987, the lack of liquidity caused the stock market blow and there was a great change in the credit market since the Long Term Capital Management (LTCM) almost collapsed in 1998 (Huang and Wang 2009)....   [tags: financial markets, concepts and analysis]

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Effective It Asset Management Using Surface Acoustic Wave Based Rfid

- 1. FEASIBLE AND EFFECTIVE IT ASSET MANAGEMENT USING SURFACE ACOUSTIC WAVE-BASED RFID Byung Youn Song & Rajit Gadh & Junghoon Lee & Jae Yeol Lee An office consists of many devices which contain invaluable information and data for which there is no substitute. There are chances that the information is erased or damaged not merely by thieves or hackers, but by the employees themselves. If we are able to detect environmental conditions, severe damage caused by them can be prevented. The factors considered for testing are temperature sensing and acceleration sensing....   [tags: RFID, Radio-frequency identification]

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Financial Institutions: The Use of Derivative Securities to Hedge Asset-Liability

- Using derivatives to hedge risk or to engage in speculation can be an effective tool for financial institutions. Financial institutions of all types and sizes can utilize derivative securities “to hedge their asset-liability exposures and thus reduce the value of their net worth at risk due to adverse events” (Saunders & Cornett, 2011, p. 696). In general, derivatives involve an arrangement that sets forth an exchange of an asset or cash flow at a set time and price in the future (Saunders & Cornett, 2011)....   [tags: swaps, risks, banks]

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Human Resource Management Is The Most Valuable And Unique Asset Of An Organization

- Human resource is the most valuable and unique asset of an organization. The successful management of an organization’s human resource is an exciting, dynamic and challenging task , especially at a time when the world has become a global village and economies are in a state of flux. The lack of talented resource and the growing expectation of the modern day employee has further increased the difficulty of the human resource function. Human Resource Management (HRM) can be defined as “the set of programs, functions, and activities designed and performed in order to capitalize on both employee as well as organizational effectiveness....   [tags: Human resource management, Human resources]

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Local Asset Mapping Is A Selkirk College And Columbia Basin Rdi

- Local asset mapping is a Selkirk College and Columbia Basin RDI (trust) mission to gather as much information and location of assets easily available and accessible resources those are part of society and can help enhancing technology entrepreneurs, attracting investors, new immigrants and tourists, retaining seniors, and improving health care facilities moreover recruiting doctors and professional nursing staff for maintaining decorum of growth. The task brought about various critical discoveries and proposals to address detachment among defenseless small-town seniors....   [tags: Health care, Medicine, Health]

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The Importance Of Reading An Invaluable Asset On The Development Of Children 's Current Society

- Undoubtedly, reading is an invaluable asset in the development of children in current society. Hence, it is essential that there are standards, methods, and strategies, supported by research, when making attempting to facilitate adequate reading instruction. In order to address this need, the National Reading Panel was established and tasked with the duty of creating a Reading Report that would not only assist in providing a plethora or reading instruction concepts, but also develop recommendations for future research as it concerns to reading development at an early stage....   [tags: Phonics, Reading, Research, Orthography]

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1286 words | (3.7 pages) | Preview

Research Article : An Essential Asset For Nurses With A Bachelor 's Education

- Having the ability to critique a research article is an essential asset for nurses with a bachelor’s education. As a professional nurse, it is vital to be able to recognize and pick apart a good research article. It is part of the nurses’ responsibility to be able to analyze research studies so they can promote new techniques with well-researched evidence. The research article that is being reviewed is explaining the research conducted when bedside nursing report is implemented during shift change....   [tags: Research, Scientific method, Nurse]

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1086 words | (3.1 pages) | Preview

Eastern Cultures : Healing Powers : The Western Cultures ' Greatest Asset

- The Eastern Cultures’ Healing Powers: The Western Cultures’ Greatest Asset Quick Fix culture and the Attitude Adjustment Culture The Western Culture focuses on two methods of healing: chemically engineered compounds and surgical procedures. For instance, in the United States, individuals have the option of antidepressants with or without the aid of cognitive therapy(Selhub 2007) Most individuals choose the quick approach due to its alluring quick fix scheme. These contrasts different from the Eastern Culture’s main focus: the power of the mind and the energy from within: mind, body, and soul....   [tags: Culture, Western world, Western culture, Soul]

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The Case Of South Australia Asset Management Co V York Montague Ltd

- English Law relating to remoteness of damages in contracts is much clearer today than it was a century back, when the Hadley tests was nothing but words twisted around. A definite shift in the approached by house of lords which is more subjective in terms of intention of parties has been noticed.It could be suggested that the ‘agreement-based’ approach to remoteness could possibly be extended to areas of non-pecuniary losses or losses caused by distress, and to certain areas of Law of Torts. Although its not the time for aggressive reformative action in area of remoteness as seen in the judgement of Achilleas but the ratio of case has to be used by the future judges in the cases to come....   [tags: Contract, Tort, Breach of contract, Common law]

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Islamic Financing vs the Capital Asset Pricing Model (CAPM)

- The research article discusses two approaches, one method is Islamic financing and other is the conventional capital asset pricing model (CAPM). Using the direct Musharakah, Islamic financing method is applied against the conventional financing method by comparing each other. Comparing the two approaches has drawn several findings; it is found that the beta-risk is lower on investments, which are based on the partnership of Islamic financing as compared to the conventional market. The risk is on the share of the lenders and others but not on the risk-return....   [tags: Islamic Finance Essays]

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2951 words | (8.4 pages) | Preview

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