QUESTION 3 :Explain how to evaluate commercial loan. A commercial loan is a debt-based funding arrangement between a business and a financial institution‚ typically used to fund major capital expenditures or to cover operational costs that the company may otherwise be unable to afford. Expensive upfront costs and regulatory hurdles often prevent small businesses from having direct access to debt and debt and equity markets for financing. Similar to consumer credit‚ smaller businesses must relay on
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Learning Centred Feedback in Practice Professors Ian Black and Dylan Wiliam of Kings College London reviewed a significant number of research studies and showed that formative assessment has more effect on learning than any other single factor (including prior learning). (Black & Wiliam (1998) “Assessment and Classroom Learning” in the journal Assessment in Education.) The following summarises the conclusions drawn from this research and is a good starting point for teachers in relation to assessment
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Patient Hygiene The aim of this assignment is to explain a nurse’s role in relation to assisting patient’s with meeting their hygiene needs. In order to accomplish this‚ the following areas of the subject will be highlighted; why hygiene is so important and the various aspects of hygiene such as; what influences hygiene‚ assessing a patient‚ bed bathing‚ oral hygiene and eye care. Oxford dictionary describes hygiene as “the conditions or practices conductive to maintaining health and preventing
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As a general rule‚ the law does not hold individuals criminally liable for what they do not do. However‚ under certain circumstances‚ a legal duty will be imposed and failure to act as a result in the prosecution of the accused. Using relevant case law to illustrate your point‚ critically examine the law of omission in both its legal and moral context. An actus reus consists of more than just an act. It also consists of whatever circumstances and consequences are recognised for liability for the
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The Working Poor travels into the forgotten America. It is a book about people and places that most us have never thought about. We have our debates about these people‚ their lifestyles‚ how they raise their children and where they work but we don’t really know them and for the most part don’t care. How many of us notice "the man who washes cars but does not own one‚ the clerk who files cancelled checks at the bank but has $2.02 in her own account or the woman who copyedits medical textbooks but
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Working capital management is crucial to a company’s goals and planning function. Proper management of working capital can mean that difference between a company’s ability to carry out pre-planned strategic goals and becoming stagnant and losing its competitive edge. A company’s current assets typically end up being its most liquid assets‚ which makes them some of the most valuable when it comes to making corporate decisions. Working capital management is defined as a “managerial strategy focusing
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TriolaProtecting those can’t Protect Themselves In the United States‚ a report of child abuse is made every second. Even worse than that‚ more than four children die per day as a result of child abuse. So why were these children not saved? Not all acts of child abuse are reported‚ even when someone notices it. Maybe it is because they do not want to jump to conclusion or they are scared. But imagine being that child‚ and how scared they are. Wouldn’t you want someone to notice if it were you? If we learn
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Abuse and Delinquency Does abuse and neglect lead to later delinquency? Throughout my life experiences I would have to agree that there is an abuse-delinquency linkage. This may not be true for someone else who has experienced the same. As with anything‚ I believe it all depends on the person and the situation. Although I came from what was considered a model home‚ there were a lot of things that happened behind closed doors. This could be the main factor of why I believe abuse‚ neglect‚ and
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Protection Act 1998’. This act ensures that confidential information of a child and/or their parents/carers are properly recorded and stored in a filing system‚ be it manual or computerised‚ and in a place that no unauthorized persons may gain access to it. In cases where I learn of abuse‚ neglect or problems at home from a child I know that my school has guidelines in place so that I know when this information has to be logged in writing‚ which type of ‘concern form’ to put it in‚ who it goes to next and
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2.5 Working Capital This section includes: Definition and classification of working capital Determinants of Working Capital Measurements of Working Capital Working Capital Financing Management of Working Capital Inventory management Cash Management Receivables Management INTRODUCTION : The term working capital is commonly used for the capital required for day-to-day working in a business concern‚ such as for purchasing raw material‚ for meeting day-to-day expenditure on salaries‚ wages‚ rents rates
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