Thursday, May 28, 2020

ACT English Style Questions

Some ACT English questions are about choosing the best answer not based on grammatical correctness, but rather style or tone. Quite frequently on the test, you’ll come across a phrase or sentence that isn’t technically grammatically incorrect, but nevertheless is confusing, wordy, or poorly written. Your job in these instances is to help the writer out with his or her style. Not everyone can be as cool as you. (Shakespeare knew a lot about style.) In other instances, you’ll need to change a word or phrase that clashes with the tone of the essay. Or you might need to eliminate ambiguous pronoun references, redundant material, or awkward expressions. Since there aren’t hard rules about style, style questions on the ACT can sometimes be a little trickiest, so let’s break down the common types roughly from the easiest to hardest errors to spot. Redundancy If you don’t know to be looking out for redundancy, you may not catch these errors. But once you know to watch out for them, points galore! Here’s an example: Annually, I donate to the scholarship fund each year. Since â€Å"annually† means every year, we don’t need to say â€Å"each year.† Most of the time, redundancy questions are easy to spot as long as you make sure to read before and after the underlined portion in case the repetitiveness is elsewhere in the sentence. A BIG CLUE to look out for is an answer choice that says â€Å"OMIT the underlined portion.† That doesn’t always mean you should, but it is a big flashing signal that you very well might be dealing with a redundancy question and that omitting the underlined portion would fix it. Ambiguous Pronouns Sometimes a pronoun might not be grammatically incorrect, but it is unclear to whom or what the pronoun is referring to. Take a look at this example: Because Samantha is less interested in her Calculus homework than in her English reading assignments, she sometimes neglects it. Now, you may be thinking that logically â€Å"it† is referring to Samantha’s Calculus work because she is less interested in it. But this isn’t good enough for the ACT. We have two things that â€Å"it† could be referring toCalculus homework or English reading assignmentsso we need to clarify what â€Å"it† is referring to. Here’s one way to do it: Because Samantha is more interested in her English reading assignments, she sometimes neglects her Calculus homework. Tone Sometimes an underlined portion will be in the wrong style for the essay in which it appears. Maybe it’s too formal for a personal narrative about the writer’s first pet. Maybe it’s too informal for a serious biographical study. Generally speaking, most of the tone errors on the test fall into the second category. When in doubt, choose the phrase you would turn in in a paper to your English teacher (in other words, standard written English). This question type isn’t incredibly common on the ACT, but you should be aware of it. Here’s an example: Instead of presenting a rebuttal to my argument, she simply nodded and went that it sounded fine. Some people tend to use â€Å"went† in informal conversation describing dialogue they had with others, but it’s not grammatically correct. We would need to replace this phrase with something along the lines of â€Å"muttered,† â€Å"replied,† or â€Å"responded.†   Vague phrases Quite often on the ACT, you’ll be asked to pick the phrase that best illustrates a certain situation. In this case, you are always looking for the most specific, most vividly detailed response. Take a look at the following ACT example: The weather forecast prepared us for a deluge of rain; instead we emerged from our vacation tired of sunshine. Which choice most effectively uses ironic imagery to emphasize that the weather was the opposite of what was expected? A. NO CHANGE B. basking in C. having received our fill of D. soaking wet Since we are looking for â€Å"ironic imagery,† our best and most vivid descriptor is answer choice D â€Å"soaking wet.† Obviously you can’t literally be soaking wet in sunshine, but that is what makes it ironic. And most importantly, it is the most vivid expression of the bunch. Wordiness and Awkward Expressions One of the most common types of style questions asks students to choose the clearest expression of a phrase. Sometimes these questions can be very easy: three of the answer choices are noticeably confusing or awkward. At other times they can be quite tricky because, again, this is a matter of trusting your ear over finding specific grammar errors. Here’s an ACT test example: No one meteorological model is fully being able to account for the sweltering summers that have brought nearly fifty consecutive days of triple-digit highs to some parts of the country. A. NO CHANGE B. is able to be accountable to C. can fully account for D. has been able to account fully for The answer is C. It uses the least amount of words and chooses active voice over passive voice. When in doubt, choose the shortest answer choice. But BE CAREFUL. Just because an answer choice uses fewer words doesn’t mean there isn’t an error in it that makes it wrong. So avoid the temptation to always choose the shortest phrase until you check it thoroughly for grammar mistakes.

Techniques for Explanatory Essay Samples 4th Grade That Only Handful of People Know About

<h1> Techniques for Explanatory Essay Samples fourth Grade That Only Handful of People Know About </h1> <h2>How to Get Started with Explanatory Essay Samples fourth Grade? </h2> <p>Pick the one which you liek to form an extraordinary descriptive exposition! As you're undoubtedly effectively mindful, it's extremely uncommon to get an entirely open-finished informative article task. So you should form a list of sources. Before you continue to compose, guarantee you fathom the organization where you ought to present your exposition, while it is APA, MLA, Harvard or another style. </p> <p>Within the body, the scholars should give an examination of the different points of view they need to talk about in their article. A wide range of expositions require references, so it will be shrewd to keep insights concerning every one of your sources in 1 spot. Creating articles would undoubtedly be the absolute keep going thing at the forefront of your thoughts. Interpretive expositions offer data and examination. </p> <p>Describe a few issues you would scan for in your optimal secondary school. Many individuals focus on the key prerequisites that everybody wishes to achieve, yet don't think past that point. A few people are gone up against with the topic of whether it's even worth burning through a large number of dollars on school without having an ensured activity. Regularly, they get energized over including new data, making a chaotic paper with no course, so chop down on the off chance that you have to. </p> <h2> Type of Explanatory Essay Sam ples fourth Grade</h2> <p>One that you realize the basic structure squares of an informative article, you'll can create an incredible one. Regardless of the way that the current information shows the stunning number of posse individuals it is expected the issue might be significantly progressively serious since the greater part of them don't fit in the group socioeconomics and heaps of wrongdoings aren't accounted for. Regardless of how you're feeling about them, it must be noticed that they're amazing and are very comparable in structure, plan and obliteration. With a test or a government sanctioned test, for instance, the models you use to back up your focuses will be subject to the information as of now inside your head. </p> <p>Focus on your language as it should be sans eerror Imagine your article is a valuable stone and make every one of its faces sparkle utilizing an effectively intelligible and one of a kind language. Take a gander at an ethical predi cament a character in a novel or other piece of writing must face. In an exploratory paper, you are mentioned to look past the conspicuous answers as an approach to find various perspectives which can once in a while help in fathoming the issue. From its name, you can figure that you should have a perfectly clear image of a specific thing to have the option to give your peruser with a completely clear and succinct clarification. </p> <p>An exploratory paper is ordinary in organizations when they're attempting to get a solution for an issue and should get the entirety of the potential viewpoints and information accessible. Exploratory expositions are composed with the sole plan of illuminating and furthermore giving the most reasonable answer or a solution for an issue. The exploratory research configuration is proper for examines that are adaptable enough to give an open door for thinking about all the components of the issue. The general structure of the exploratory research should be adaptable enough with the goal that it allows to think about an assortment of parts of the issue. </p> <h2> The Explanatory Essay Samples fourth Grade Stories</h2> <p>Paragraph one is where the fourth-grader sets down his essential point sentence. Supporting passages should cover the proposition articulation. </p> <p>The reason for any informative composing is to uncover the qualities of ideas demonstrated in the subject. Logical examples are very easy to get yet in case you're as yet inquisitive about illustrative models, here are some often posed inquiries on this issue. Look at the interpretive article tests, which one can without much of a stretch find online these days. Survey the subject in a specific light dependent on the proof you've referenced in the body of the paper. </p> <p>If you will form an explanatory paper, be prepared to dedicate a lot of time hitting books. Remember, however you probably won't create the forthcoming extraordinary novel, you putting forth an attempt to leave an enduring impact on the people assessing your exposition. The principal thing which you must do is think about a theme that you wish to directly about. At the point when you get an all around figured theme, it's a half accomplishment of your last composition. </p> <p>If you begin to diverge to another thought, change to an alternate passage. You're not composing a report about it. When composing an illustrative article, it's awesome to hold fast to the rubric so you're in a situation to catch the entirety of the information required, in this manner expanding the likelihood of the author accomplishing greatest focuses. Since it is essentially more straightforward to expound on the fascinating subject than about the new one. </p> <p>Essay compo sing gives a lot of advantages to understudies in the academe. Consistently it is conceivable to become familiar with some new truth about science improvements. View models at that point play a charming game to be certain understudies comprehend the thought. History is a subject that is mandatory for understudies of at for all intents and purposes each major. </p>

Monday, May 25, 2020

The Best Online Broadcast Media Essay Topics

The Best Online Broadcast Media Essay TopicsThe number of online communicate media exposition themes builds each day. As there are just a set number of communicate media schools, understudies are approached to cause their entries to the best projects they to can discover. Therefore, numerous understudies presenting their papers don't make their levels up sufficiently high to get the sort of consideration they would like.This is the place you have to begin your excursion to better levels by examining communicate media article points that have been set up for your utilization. They are typically distributed in a class direct. Make a point to exploit this asset. The data contained in these aides is regularly invaluable.If you have never learned about the intended interest group, it will profit you to get familiar with this subject right off the bat. There is no point investing in the entirety of the energy that you need to so as to get into the best communicated media schools on the off chance that you will be not able to expound on your subject. You have to know the manner in which your intended interest group thinks and feels. They will decide how your paper is going to look and how you are going to turn out.Your composing ought to follow this idea. When you comprehend what your intended interest group is, you will have a superior thought of what kind of articles you will compose. You will have the option to expound on subjects that are progressively close to home. You will likewise have the option to separate among yourself and different journalists in your field, in light of the fact that your subject will be in your control.Broadcast media exposition points may have certain highlights that you need to pay special mind to. When you realize which points are esteemed as well as can be expected, start taking a shot at your own themes. Try not to be hesitant to invest additional effort. This is the best way to progress nicely. Attempt to augment your odds of being chosen for communicate media schools.You will need to be watching out for the most ideal approaches to apply for communicate media schools. You can gain proficiency with this by considering the profiles of the best alumni. Comprehending what to state and when to state it will help you in your groundwork for the following step.When you look for communicate media paper points, you will find that you will be given an incredible assortment of choices. Study the various methodologies that were utilized by those that were effective at composing postulations. Discover what made them great at this and what doesn't work. With this data, you will have the option to realize what turned out badly for them and what you can do to abstain from making the equivalent mistakes.You can learn more by looking at the data on communicate media article subjects accessible on the web. It will assist you with setting up your expositions in an efficient way so you can benefit as much as possible from your pa pers.

Friday, May 22, 2020

Find Great College Essay Samples on the Internet

<h1>Find Great College Essay Samples on the Internet</h1><p>When you are searching for a point for your school article, you will find that there are numerous to look over. The explanation that school expositions are so significant is that they help you to decide how set you up are for the following stage in your life. This is something that will be given to you at your new position and you would prefer not to not be set up for it.</p><p></p><p>A incredible approach to begin is to take a gander at the data accessible on the web. Numerous organizations offer the absolute best school exposition tests. You can glance through them to perceive what subjects you like and what points you don't care for. After you have picked a theme, go over it and ensure that you comprehend the style of composing that you will be doing.</p><p></p><p>Most subjects are anything but difficult to compose however some are increasingly troublesome. Despite the fact that they may appear to be troublesome, you would prefer not to be excessively specialized with the subjects you pick. Recall that school article tests ought to be short, simple to peruse and ought to relate well to the course that you are taking.</p><p></p><p>One of the primary things that you will discover is that the best school exposition tests are those that accommodated your subject well. At the point when you realize that a subject is going to fit into the material that you will manage, you will realize that you will get the opportunity to be effective. This is the explanation that it is so critical to compose an essay.</p><p></p><p>Once you have chosen a theme, the following thing that you ought to do is to make sense of how you will compose it. School exposition tests can give you extraordinary thoughts about the general design of the paper and how you will spread out the data. This is something that you ough t to likewise have the option to do with the subtleties of the information.</p><p></p><p>There are a wide range of alternatives that you have with regards to the structure of the article. It is essential to have the option to pick between passages, which help the substance stream a specific way. The decisions are various and it is dependent upon you to choose which one works best for you.</p><p></p><p>When you are searching for school article tests, the alternatives are interminable. Since there are such a large number of various ones accessible, you will need to set aside the effort to do your exploration and locate the one that will work best for you. You need to discover a subject that will be anything but difficult to compose and to understand.</p><p></p><p>Make sure that you are searching for the best school exposition tests for your composing needs. You will need to realize how to expound on a whole class and how to cause your theme to identify with the subject that you will concentrate in school. Discovering great data about the point that you are picking will be basic in helping you to prevail in college.</p>

Sunday, May 17, 2020

Essay Topics For The Government Exam

<h1>Essay Topics For The Government Exam</h1><p>Government test expositions are composed under pressure. Understudies are feeling the squeeze to deliver answers that are right and they would prefer not to be decided on something that isn't sufficient. Because of this weight, the understudies compose various types of paper subjects that will assist them with improving their composing skills.</p><p></p><p>When it comes to composing for the administration test, the point ought to be deliberately chosen so it identifies with the subject of the course. The goal is to encourage the understudies about taxpayer driven organizations and how they can perform well in the test. Various zones of training, for example, physical instruction, basic training, science and writing are analyzed in the test. The understudy can indeed become familiar with a limited amount of much before the exam.</p><p></p><p>There are different article poi nts and every one of them will work to upgrade your composing capacity. For instance, in the event that you take physical instruction, the theme may be How would you be able to exceed expectations in physical training? Similarly, on the off chance that you take science, the subject may be How would you exceed expectations in science? These are only a few instances of the point, you can pick from.</p><p></p><p>The kind of composing that you do ought to be identified with the subject of the article themes. For instance, if the point is physical training, you should utilize explicit jargon to present the subject. Thus, rather than utilizing basic words like great, incredible, decent, fruitful, and so on., you should utilize explicit words like rec center, recreation center, seat, etc.</p><p></p><p>It is significant that you invest some energy in finding the phenomenal exposition subjects. You should search for online paper locales or auth ority sites that can give you accommodating tips on exposition points. Be that as it may, it is ideal on the off chance that you can do it without anyone else's help. With training, you will have the option to choose the subjects that are anything but difficult to recollect and simple to read.</p><p></p><p>When picking article points, the following interesting point is the cutoff time. Exposition themes must be made inside a specific timespan after which the test won't be given. In the event that you can make the article themes ahead of time, you will have more opportunity to do explore on the points that are utilized in the past exams.</p><p></p><p>The last tip is to decide the organization of the exposition subjects so you don't commit any errors. For instance, you will be approached to compose an exposition on the historical backdrop of humanity or even on legislative issues. You should comprehend what sort of inquiry you are posed to reply with the goal that you don't neglect to compose the suitable article topic.</p>

Definitions of How to Better My Essay Writing

<h1> Definitions of How to Better My Essay Writing </h1> <p>Analyze your subject and make certain you're totally clear with respect to the composing prerequisites. A 1 hour exposition cutoff time might be genuine issue, in the event that you aren't sufficient at composing and communicating your thoughts on a subject you aren't generally inspired by. On the off chance that you haven't been alloted a subject, you have more work to do. At times you as of now have a relegated theme and you have to investigate it before you proceed with the strategy. </p> <h2> The Meaning of How to Better My Essay Writing</h2> <p>As soon as you finish a composing task, you are simply too tired to even consider reviewing it. On the off chance that, in spite of study and extraordinary goals, you can't get your article composed, or even began, you have to tell your mentor at whatever point conceivable. Ideally, you could discover two or three hints that you accept ca n assist you with improving your paper composing capacities. Before you can start composing a paper, you should fathom the exact rules provided by your educator. </p> <h2> What You Need to Do About How to Better My Essay Writing Starting in the Next Nine Minutes </h2> <p>Academic composing needs to come after a specific structure. Articles can be of various types and have different purposes, yet the crucial structure is consistently precisely the same. Eventually, survey what you've composed. Indeed, even the most notable models need setting. </p> <h2> The New Angle On How to Better My Essay Writing Just Released </h2> <p>The costs of our absolute best exposition composing administration aren't the most noteworthy and not the least on the commercial center. Using genuine example school papers that worked will offer you a fantastic thought regarding what universities look for. Be sure it's protected and reliable! Our site is helpful not just for understudies, yet additionally for everyone who works with writings. </p> <h2> How to Better My Essay Writing Features </h2> <p>Your target may not be to form into an otherworldly paper composing expert. The significant point to a flourishing paper is having the proper structure. The statement might be magnificent beginning stage for your composition. </p> <p>The gauge of the exposition journalists has a major effect. Second thought on the most ideal approach to make an article all the more intriguing is to choose an uncommon methods for composing. Improving as an author isn't easy. There are scores and scores of papers committed to the idea of making you a much better basic essayist. </p> <p>Reading model articles works precisely the same way! They are an indispensable piece of school life. No one anticipates that your absolute first exposition should be perfect. </p> <p>An scholastic paper should offer a decent, easily proven wrong theory that is then bolstered by pertinent evidencewhether that be from various sources or from somebody's own exploration. Exposition Edge is a web article altering asset which assists with scholastic and confirmations papers. Article manager online features all bits of an exposition that should be amended. Regardless of the strategic the article, be certain that you're keen on your topic.</p> <p>If you're concerned that you won't can find a reasonable article composing administration fit for managing your scholastic papers, we're here to refute you. So in case you're looking for an expert author to finish paper assignments or essentially to give you a rundown of fabulous exposition point recommendations for your paper we can do everything. The least difficult way to deal with slender down a proposition and make a right contention is to acquire a straightforward blueprint before beginning composing your exposition. You will discover increasingly about the subject, and you'll have more jargon words to enhance the essay.</p> <h2>How to Better My Essay Writing - the Story </h2> <p>A passage is a gathering of sentences related with parts of precisely the same point. Moreover, by contending for the opposite side of your feeling, you will realize which focuses you should better address in your article. A theme sentence is the underlying sentence in a section, and it sums up the rest of the passage. For instance, understudies are foreseen to convey scholarly papers thus need to utilize fitting language, sentence structure, tenses, and so forth </p> <h2> How to Better My Essay Writing - Is it a Scam? </h2> <p>Needless to state that a couple of people are good to go to do anything instead of composing an academical paper. There is nothing incorrectly by it. There is a sublime number of rationale games where one endeavors to demonstrate an insane idea to another person. The vast majority make some troublesome memories looking at over their own one of a kind work. </p> <p>There are unmistakable methods for organizing a few sorts of articles. After you own a proposal, consider your vital theme and find words that identify with it in different manners. At the point when you're composing, endeavor to forestall utilizing exactly the same words and expressions again and again. Understanding circumstan ces and logical results exposition models can assist you with delivering your own composition. </p> <h2> The Secret to How to Better My Essay Writing </h2> <p>Essay composing is a somewhat significant undertaking in the length of school and college contemplates which requests a lot of reasoning and understanding. The exposition is the place to permit the affirmations office of your expected school get the opportunity to comprehend your character, character, and the gifts and capacities that aren't on your transcript. Remember you need to catch the experience of taking a genuine exposition test. The accompanying exhortation will help in improving your composing abilities and turn you in astounding writer.</p> <p>Because numerous tests need you to compose influential expositions, it very well may be an extraordinary idea to start your training with one. When you comprehend what your article should address, invest a little energy conceptualizing thou ghts. Try not to spare a moment to utilize our article extender at any second! </p> <h2>How to Better My Essay Writing: No Longer a Mystery </h2> <p>There's no distinction which sort of a paper you are scanning for as we are specialists in all them. Make a rundown of potential subjects that you wish to depict in your circumstances and logical results article. At the site of any article composing administration, you'll find astounding rules and tests of arranged sorts of papers. As of now you should begin making unique sheets for your kid's articles. </p> <h2> The Fight Against How to Better My Essay Writing </h2> <p>While an exposition is a major undertaking, there are various stages an understudy can bring which will help separate the assignment into sensible pieces. The genuine composition'- bit might be the most overwhelming and distressing district of the paper system, and is the place most understudies become stuck. Both you and y our educator will be content with your outcomes. So far as the understudies are included, composing an exploration paper is among the hardest and baffling endeavor as they would see it. </p>

Saturday, May 16, 2020

Credit Risk Management in Zimbabwe - 5735 Words

European Journal of Business and Management ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol 4, No.1, 2012 www.iiste.org An Analysis of the Challenges Faced by Banks in Managing Credit in Zimbabwe Severino Mavhiki1 Denver Mapetere1* Christopher Mhonde,1 1. Faculty of Commerce, Business Management Department, Midlands State University, P bag 9055 Gweru, Zimbabwe * E-mail of the corresponding author: mapetered@msu.ac.zw Abstract The purpose of the study is to analyse the challenges facing banks in managing credit in Zimbabwe in the wake of the multicurrency regime that was introduced in the year 2009. The study is relevant considering that banks have an important role of financing the undercapitalised productive sectors .The chi-square†¦show more content†¦H2: Banks general approach to lending affects the capacity of the bank to manage risk. H3: Loan concentration by banks has increased their risk of exposure. H4: Interbank lending can help reduce exposure. H5: Retention of money by banks can help minimise exposure. 2 Literature review www.iiste.org 2.1 The Concept of Credit management Banks raise funds by collecting deposits from businesses and individual depositors and makes out loans to individuals, businesses and the government through buying bonds. Thus the primary assets of banks are loans and bonds while primary liabilities are made of deposits. According to Saunders and Cornett (2005), a banks balance sheet has loans representing the majority of a banks assets, but the loans come with risk. If the bank makes bad loans to firms or consumers for example, the bank will be in a crisis if those loans are not repaid. Credit management is thus fraught with rewards and risks that need to be balanced through judicious and prudent risk management, failure of which may lead to litigation, financial loss or damage of the banks reputation (RBZ Guideline No. 1 2006). Lending activities have been controversial and a difficult matter especially in developing and emerging countries (Richard 2006). This is because business firms on one ha nd are complaining about lack of credits and theShow MoreRelatedEvaluating The Effectiveness Of Credit Risk Management Tools Essay1565 Words   |  7 Pagesloans arise from credit risk or default risk which as defined by Jorion(2003) is the risk of an economic loss from the failure of a counterparty to fulfill its contractual obligations. Its effect is measured by the cost of replacing cash flows if the other party defaults. Credit risk can thus be seen to contribute significantly to the profitability of an organization and hence the need to hedge against such risk. This study aims to assess the effectiveness of credit risk management tools which areRead MoreHistorical Background Of Manufacturing Smes1217 Words   |  5 Pagesbackground of manufacturing SMEs in Zimbabwe. The other issues to be highlighted and discussed include problem statement, purpose or justification of the study, objectives of the study, research questions, research hypothesis, significance of the study, resea rch assumptions, scope or delimitations of the study, ethical considerations and a summary. 1.2 Background to the study (60) Small to medium enterprises (SMEs) have become increasingly important to Zimbabwe s economic growth. 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The study seeks to evaluate the extent to which failure to effectively manage credit risk led to Zimbabwe’s banks’ demise in 2003/2004 bank crisis. It also seeks to establish other factors that led to the banking crisis and to outline the components of an effective credit risk management systemRead MoreEffectiveness Of Working Capital Management Essay2136 Words   |  9 Pagesprevious chapter. The findings and discussions give an overview to the management team on what needs attention 5.2 Summary of critical features (80%) The research set out to analyse the effectiveness of working capital management systems in improving the profitability of manufacturing SMEs in Zimbabwe. The primary objective of the research was to analyse the working capital needs of SMEs,to establish whether working capital management systems have an impact on the profitability of a SMEs so as to provideRead MoreEffectiveness Of Working Capital Management Essay2832 Words   |  12 Pagesprevious chapter. The findings and discussions give an overview to the management team on what needs attention 5.2 Summary of critical features The research set out to analyse the effectiveness of working capital management systems in improving the profitability of manufacturing SMEs in Zimbabwe. The primary objective of the research was to analyse the working capital needs of SMEs,to establish whether working capital management systems have an impact on the profitability of a SMEs so as to provideRead MoreEffectiveness Of Working Capital Management Essay2137 Words   |  9 Pagesprevious chapter. The findings and discussions give an overview to the management team on what needs attention 5.2 Summary of critical features The research set out to analyse the effectiveness of working capital management systems in improving the profitability of manufacturing SMEs in Zimbabwe. The primary objective of the research was to analyse the working capital needs of SMEs, to establish whether working capital management systems have an impact on the profitability of a SMEs so as to provideRead MoreHistory of the Banking Idustry in Zimbabwe3381 Words   |  14 PagesThe History of the Banking Industry in Zimbabwe It is important to analyse and evaluate the banking structure in Zimbabwe for us to appreciation how IT will really fit in. The Zimbabwe’s Banking sector is relatively sophisticated, consisting of the Reserve Bank of Zimbabwe, Discount Houses, Commercial Banks, Merchant Banks, Finance Houses, Building Societies and The Post Office Savings Bank. The development of the Zimbabwean banking sector can be analysed within three separate periods, which theRead MoreFinancial Management Systems Are Of Great Importance To1584 Words   |  7 PagesFinancial management systems are of great importance to business success. There are many reasons why most firms plunge into financial disaster. Some of these factors include loss of market share, excess debt, management problems and technology changes (Kierulff Peterson, 2009). Specifically, the successful management of working capital is crucial to the success of a business and their survivals to a great extend due to economic volatility. The pace at which new firms are established and the desireRead MoreProduct Innovation Charter5919 Words   |  24 PagesLimited, Kingdom Asset Management and Kingdom Asset management all duly registered as a discount house, asset manager and member of the Zimbabwe Stock Exchange respectively. In 1997 Kingdom Bank Limited and Kingdom Asset Management were registered as an Accepting House and Manager of Collective Investment Schemes respectively. In 1999, Kingdom Financial Holdings merged with Discount Company of Zimbabwe Holdings Limited resulting in the reverse listing of the Group on the Zimbabwe Stock Exchange and changed

Thursday, May 14, 2020

Research Paper Topics in Banking - How to Find Good Topics

<h1>Research Paper Topics in Banking - How to Find Good Topics</h1><p>If you are new to the universe of banking, you will without a doubt be extremely befuddled by inquire about paper subjects in banking. The activity of an analyst is to create original thoughts and hypothetical establishments for the investigation of the field of banking. A compelling examination paper with an inventive thought can have any kind of effect with regards to their calling. Henceforth, you should choose the best point to examine when you are setting up your exploration paper subjects in banking.</p><p></p><p>Many understudies start investigating about financial research paper points in banking by searching for something that would make them as research papers. Despite the fact that they attempt to get something they believe is fascinating, they bomb by and large in light of the fact that the paper they choose to submit is uninteresting.</p><p></p&g t;<p>But to keep away from a similar circumstance, you have to choose a subject which would get you the ideal achievement in your exploration paper themes in banking. You have to see if the point you picked is mainstream among the understudies, since this is a significant factor which can choose whether you get a passing mark or not. In the event that it is famous, at that point you will definitely get some great scores.</p><p></p><p>There are numerous sources where you can look through the exploration paper subjects in banking. You can counsel an accountant in a bank on the off chance that you need more time to experience the subjects and review them yourself. Additionally, you can make an inquiry or two with the understudies in the class, since they will know the mainstream themes. Additionally, this can likewise help you by getting criticism on the themes which are worth researching.</p><p></p><p>Then, what is the most ideal a pproach to locate the best research paper subjects in banking? One extraordinary choice is to utilize the web. This is on the grounds that there are numerous online sources that can help you a great deal with regards to inquire about paper points in banking.</p><p></p><p>Once you are finished with the examining, the following stage is to utilize the web to get a rundown of the best subjects. You can basically look through the web utilizing the terms 'explore paper subjects in banking' and you will definitely get several outcomes. When you get the rundown, you can attempt to limit the rundown by choosing the best ones. The best subjects will definitely be in the highest places.</p><p></p><p>Now you can begin the determination procedure. In the event that you get the rundown to utilize, ensure you read through every one of the themes cautiously to see whether it is appropriate for your examination paper points in banking. The exact oppos ite thing you have to do now is to review the theme appropriately, with the goal that you can make certain of your exploration paper points in banking.</p>

Essay Objective Examples - Why MBA Essay Objectives Is So Important

<h1>Essay Objective Examples - Why MBA Essay Objectives Is So Important</h1><p>We all realize that a respectable MBA degree is the way to getting employed in an enormous number of organizations. Hence, most competitors who have the chance to get into an esteemed MBA program will select these projects, particularly on the off chance that they need to get the chance to bigly affect their vocation as they move to various organizations.</p><p></p><p>What is more, since there are numerous schools and colleges that offer great projects, it isn't just understudies who can profit by these projects yet in addition their managers. This is particularly obvious in situations where applicants are as of now in an exceptionally serious market with organizations who are searching for profoundly prepared professionals.</p><p></p><p>The contrast among candida's and MBA articles lies in the premise on which up-and-comers will compose the ir target and audit papers. To sum things up, an up-and-comer can be permitted to focus on their profession destinations or they can do a MBA exposition. Be that as it may, both have focal points and disadvantages.</p><p></p><p>Since your profession is the premise of your activity advertise, it is imperative to concentrate on it and not burn through your valuable time on subtleties. Be that as it may, it is additionally critical to concentrate on subtleties in your target to feature the characteristics and abilities you have and the characteristics your fantasy depends on. This is done in a couple words.</p><p></p><p>The objective should initially characterize the general profile of your objective. It should specify why you need to have that position and how you intend to arrive at your objective. With this, you would then be able to clarify your present profile or range of abilities, be it according to your organization or yourself.&l t;/p><p></p><p>You might need to portray your qualities and aptitudes that give you a solid possibility of having the option to make sure about steady employments and a satisfying profession. What you can do is present this a defense investigation of somebody who additionally had a similar objective yet didn't complete the necessary evaluations to have the option to secure that MBA degree. For instance, how was your inspiration and how could you take care of indistinguishable issues from the one you are as of now facing?</p><p></p><p>Most critically, a candida article will establish a firm framework for what you need from your vocation. The target can be seen as a sort of venturing stone to a lucrative occupation that offers a great deal of advantages. It is a method of setting yourself up for success.</p>

Monday, May 11, 2020

Bringing Up Issues When Writing a Legnthy Essay

<h1>Bringing Up Issues When Writing a Legnthy Essay</h1><p>When composing an extensive paper, you have to ensure that you raise an issue that you believe is relevant. One of the main things you should consider is your subject. In case you're going to utilize an individual account or an account of yours to outline your point, ensure that you show your authority of the subject. You ought to likewise ensure that you have a detailed situation, for example, 'If Aismsid were a customer item, what might she want?'</p><p></p><p>One way that you can ensure that you raise an issue is to initially build up the issue, for example, 'By what means will the organization's item change the lives of Aismsid's family?' You can likewise raise a particular occurrence wherein a strategy was broken, for instance, 'What might occur if Ms. Kanda was late once more, because of the way that her manager had neglected to convey her vacation notice?' Or, you can raise a g enuine circumstance, for example, 'Since the organization's new item isn't accessible for client audit, what might occur if the salesperson didn't clarify the distinction between the new item and the former one?' These inquiries ought to be legitimately identified with the specific subject. The thought is to discover an issue or circumstance that you feel emphatically about.</p><p></p><p>Another way that you can ensure that you raise an issue is to determine it in your exposition. One approach to determine an issue is to express the realities, offer a solid expression, and afterward to finish up with a significant end. The thought is to complete your article on a solid note. Another technique is to summarize a section or whole entry from another paper. This will permit you to offer a more grounded expression and give a unique way to deal with the essay.</p><p></p><p>The most ideal approach to react to somebody who is condemning your wo rk is to explore the individual. Investigate their work. At that point, investigate your own work and check whether you are committing similar errors. It is imperative to ensure that you react in a reasonable and compact way so you can rapidly excuse the criticism.</p><p></p><p>An phenomenal approach to set up an exposition is to begin with a short, viable section. The thought is to build up your theory, at that point keep on causing solid focuses through your principle contention and afterward to finish up with an end. Your primary contention ought to be the principle focal point of your exposition and the end should help bolster the fundamental idea.</p><p></p><p>An brilliant approach to ensure that you raise an issue is to make a resume agenda. Utilize these rundowns to ensure that you raise gives that you feel are significant. After you complete your paper, you will have an astounding reference for the individual who will peruse yo ur essay.</p><p></p><p>When composing a protracted article, you have to ensure that you raise an issue that you accept is applicable. Make certain to assess your qualities and shortcomings and figure out which is the most ideal approach to go.</p>

Sunday, May 10, 2020

Topics For Substance Abuse Argumentative Essay

<h1>Topics For Substance Abuse Argumentative Essay</h1><p>If you have gotten a ramification for substance misuse or dependence, it's a smart thought to compose a pugnacious exposition as a methods for demonstrating your innocence and guarding yourself against the charges that have been set against you. What's more, one of the best approaches to do this is to diagram the issues that you may have been blamed for taking part in, with which you may feel undermined by.</p><p></p><p>In numerous cases, individuals who are blamed for substance misuse or fixation have gotten dug in this way of life because of specific conditions. For instance, there might be other relatives, or maybe companions, who are continually constraining them to engage in criminal operations, for example, selling drugs. If so, it's imperative to plot these particular circumstances and any subsequent results in your substance misuse factious essay.</p><p></p>&l t;p>However, on the off chance that you are compelled to carry on with your own existence with the negative outcomes of substance misuse, it's essential to remember that these activities can't be controlled totally. The motivation behind why is that substance misuse can leave lasting impacts on your life and regularly, those impacts can include states of being, and mental ones also. That is the reason it's critical to remember that the methods by which you can battle your substance misuse ought to consistently be something beyond verbal defense.</p><p></p><p>For occurrence, there are a few points for substance misuse factious article that are regularly disregarded by journalists. Be that as it may, these subjects are basic in helping perusers comprehend why the explanation for your substance misuse has been raised. For instance, numerous essayists will abstain from referencing the genuine purposes for why they utilized substances, for example, liquor or ma ryjane, just as illicit medications. They likewise will in general abstain from examining the negative parts of utilizing illicit drugs.</p><p></p><p>On the other hand, rather than maintaining a strategic distance from these subjects, it's critical to be increasingly decisive about them, so as to give perusers a more noteworthy comprehension of the social and regular remedies for substance misuse. For instance, numerous individuals likewise decide to utilize substances, for example, pot so as to get away from pressure or in light of the fact that they are discouraged. This might be acceptable when the circumstance calls for it, yet it can likewise exacerbate their concern regarding the impacts of substance abuse.</p><p></p><p>You can assist perusers with understanding the common remedy for compulsion on the off chance that you plot the challenges that individuals involvement with terms of defeating the impacts of enslavement. Likewise, you might need to talk about the advantages of following a characteristic solution for substance misuse that is both lawful and acknowledged in the public eye. It is basic to concentrate on the positives, rather than the negatives, when composing a contentious article that centers around themes for substance abuse.</p><p></p><p>Finally, on the off chance that you have to compose a pugnacious exposition for substance misuse, it's imperative to remain inside the limits of what is viewed as adequate in the public eye. There are a lot of different themes for substance maltreatment for authors to browse, yet it's imperative to remember that you are working inside these specific limits, particularly on the off chance that you are working with teenagers.</p><p></p><p>If you ever end up confronting the allegation of substance misuse or habit, you'll need to become familiar with the entirety of the intricate details of how to react and ensure yourself, just as what can happen when you are gotten. To kick you off, consider composing a factious article on the subjects of how to react to allegations of substance abuse.</p>

Friday, May 8, 2020

Essay Sample For IELTS - Get Them Now

Essay Sample For IELTS - Get Them NowIf you are still studying for the IELTS exam but are not sure where to get the right essay samples for IELTS, it is important that you know where to go to get them. By reading this article, you will learn how to get all the essay samples for IELTS you will need to pass the exam. Read on!You should know by now that the IELTS test is one of the most difficult in the world. It will take a full year for someone to finish the entire test. There are several practice exams that you can take, but these are only guidelines. You must have specific written skills to succeed in the exam.Therefore, the first step you should take if you want to learn the essays samples for IELTS is to find out where you can find a professional writer. The only way to do this is to know where to look. Luckily, there are so many people offering IELTS essay samples to learn on the internet.So what are these online student writers doing and who are they? The problem that every IELT S student has is the fact that there are many grammar mistakes and sloppy writing styles used during the exam. In order to prepare yourself for the test, you need to make sure that you study the online essays samples for IELTS very carefully. A small mistake that will cost you a lot during the exam will not be worth it.You need to make sure that you do not copy the sample essays. You need to get the format right so that your essays will be perfect. The best method to do this is to get the free sample essays from the various websites and check it over thoroughly.If you make sure to take the time to learn about the format and the right essay samples for IELTS, you will be well on your way to passing the exam. If you are not a native English speaker, then it will be a real struggle. Therefore, it is very important that you take the time to learn about the different styles that you will face during the exam.However, it is much better to be prepared and use the test material rather than getting surprised by an actual essay question. To prepare yourself for the actual test, you should look at the various styles of essay writing that you will see on the exam. You should know the basics of different types of essays as well as the format for each type.This knowledge will help you make the most of your time on the test. This can help you stay focused and focus your mind on what you are going to study for. This is why it is so important to prepare for the essay sample for IELTS test ahead of time.

Sample Narrative Essay Topics And Paragraphs

Sample Narrative Essay Topics And ParagraphsIf you are looking for sample narrative essay topics then you will be happy to know that these topics are not hard to find. You can easily browse the internet for online sources where you can look up sample essay topics and look at sample paragraphs to give you an idea of how well they will translate into a written piece.It is important that you know that a sample paragraph will not necessarily make your essay perfect, in fact it may be the exact opposite. However, having a few sample pieces will allow you to see the differences between the samples so that you can avoid making similar mistakes.Having a look at a few sample pieces will help you see how these sample pieces are structured and which ones flow better than others. The same goes for the sample paragraphs. You will be able to tell exactly what works and what does not by reading them.Before you start to write any of your own samples, you should research how different sources are str uctured. You should make sure that you know how you want your story to end and how it is presented to the reader. This is very important because this will inform the structure of your narrative essay.For example, if you are writing a sample for high school students then you should try to write a sentence that contains a question and an answer. You may also want to add a little bit of information to your readers such as saying how many people were present in the crowd that day, the weather at the time or the color of the clothes that people were wearing. As you can see, these are just a few examples that you can use when you are looking for sample narrative essay topics.It is always a good idea to do a little bit of research before you begin writing your narrative essay. Remember that you are writing for your college or university so you will need to demonstrate your writing skills. Writing a sample paragraph will help you to get an idea of how much work you need to put into your ess ay and how long the essay will take to finish. This will also help you know how many words per paragraph and how many sentences per paragraph you need to write.These are just a few examples of sample essay topics and sample paragraphs that you can use. Hopefully this will help you get started on your next article!

Wednesday, May 6, 2020

High School Vs. College - 908 Words

In a person’s life, education is a very critical part and takes an important toll. There are numerous levels of education and an abundant amount of students that do not make it to the highest level possible. High school and college are the two main groups that can make or break a person’s education. Between high school and college, there are different requirements and goals needed to succeed. As a student, self-motivation, the value of education, and the responsibilities students must uphold fluctuate among high school and college. For a student partaking in high school classes’ self-motivation can differ from a student attending college courses. In high school, attending class is mandatory and can lead to consequences if not attended. Attendance is remarkably critical and punishments are not only given to the student, however, the parents as well if the student obtains a bountiful amount of absences. According to the government, going to high school is essential. When the child turns 16 years of age, they are able to drop out of high school with their parent’s approval. If the child decides to stay in school, then consequences can still be given. There is not an abundant amount of self-motivation needed when transportation can be provided for the student and the student must attend class or legal consequences will be given. The only motivation needed to do well in high school classes would be keeping their grades at a passing level. Self-motivation, in college, takes anShow MoreRelatedCollege Vs. High School858 Words   |  4 PagesCollege Vs. High School Some may think that high school and college reading and writing are similar and that it’s just the next level up but it s not, they differentiate in many ways. College reading and writing is more than that, it’s a completely different world when compared to high school. It’s much more advanced and complexed. 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The first day of freshman high school and college feels the same, the excitement and pressured. As many students experienced, both high school and college could be compared their similarities. First, both students in college and high school are expected to behave in well mannered, attendRead MoreCollege Vs. High School938 Words   |  4 PagesWelcome to college! Congratulations on making it this far! Now the time comes to ramp up the ante! No such program as stepping up to college exists as it does for for high school. Oh wait! It’s called high school. Move it or lose it now, your future rests on your shoulders. High school teachers just handed you your future based on the way you schooled, and college professors tell you to figure it out. College trips up hundreds of students a year, refrain from letting yourself become one ofRe ad MoreHigh School Vs. College1217 Words   |  5 PagesHigh School vs. College In the America, children begin school around the age of six. 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The most important of those schools are high schools and colleges because they have the most impact on deciding what occupation a student wants to pursue. Although high schools and colleges share similarities in providing education, there are also many differences between each other. In both high schools and colleges there are teachers that educate students on certain subjects. Those subjects can range from mathematics

Tuesday, May 5, 2020

Management and Organization Global Management Functions

Question: Describe about the Management and Organization for Global Management Functions. Answer: Introduction Planning is a management function that is concerned with defining goals and objectives of the organization to be achieved for its future growth and development. Planning aims at providing direction to the overall functions of the organization and is done according to the vision and mission of the organization. Planning is the preparatory step, and chalks down future course of action for a business. It determines what activities are to be performed, what resources would be required to successfully undertake the planned objectives, who will be responsible for completing planned activities and how it will add value to the overall organizational efficiencies (Reiss 2013). Todays business operates in a highly dynamic and unpredictable environment, therefore, it is important to plan future course of action that an organization should adopt in order to be in the market in the long run and to achieve its objectives. Planning involves analysis of firms internal and external environment and understanding their implication on the organizations functioning. Planning enables managers to select most appropriate course of action for the business from different available alternatives. Planning helps the business to effectively allocate organizational resources and achieve organizational efficiency in meeting its short term as well as long-term objectives (Burke 2013). In this context, managers (decision makers) have variety of tools at their disposal that assists in undertaking planning activities. These planning tools help in environmental scanning, forecasting and benchmarking. Planning helps businesses in taking well considered course of action to achieve its objectives, scheduling of various activities, provides control and monitoring of the overall activities and also, assists in taking appropriate measures in case of deviation from the planned objectives (Kerzner 2013). There are multiple planning tools and techniques that are employed for different purposes. For instance, budgeting and forecasting are used for allocation of resources, Gantt Charts are used for production planning and scheduling, PERT networks are used for project planning, sensitivity and scenario planning are used for understanding possible future conditions and enhancing managerial decision making, and so on (McNeil et al. 2015). The purpose of this assignment is to discuss planning tools and techniques that assist in making strategic decisions and to take the organization to right direction in the unpredictable business environment. The report, therefore discusses various planning tools such as budgeting and planning, PERT networks, Gantt charts, and sensitivity and scenario analysis. The essay discusses in detail about the concepts, application, advantages as well as limitations of these planning tools or techniques and helps to understand how these tools assist in developing effective plans for business organizations in order to achieve their final goals or objectives. Budgets and forecasts Forecasting and budgeting is one of the most important and commonly used planning techniques used by managers. It is used to determine and to detail an organizations long term as well as short-term financial goals. Budgeting and forecasting are financial planning techniques that assist managers in the decision making process. Budgeting technique uses estimation to quantify or to monetize the expectation of revenues a business aims to achieve for a future period, forecasting on the other hand, is used to predict the volume of revenues that will be achieved (Verzuh 2015). Budgeting aims at outlining a plan for an organization concerning where it wants to go; while, forecasting indicates where the organization is actually headed. In addition, budgets provide detailed list of incomes and expenses and provides a realistic guide for planning activities. While, forecast simply presents list of possible income and expenses scenarios. Moreover, budgets are generally based on past performance and include some forecasting; however, a budget that takes into consideration multiple forecasting is more effective as it allows the business to opportunities and downturns more quickly (Bozarth and Handfield 2016). Budget: A budget is the estimation of revenues and expenses an organization that a firm has to incur over a future period (particular accounting period). It is a detailed financial outline of what business thinks will happen over a period of time financially. Budgets are written documents that include information about business revenue, expenses, cash flows and it represents business financial position (Leach 2014). Budgets can be understood as a quantified expectation of resources that a business would require in order to achieve some predetermined goals and objectives. Budgets are prepared for future period considering various goals and objectives of the firm such as vision, mission, business strategies, and goals and objectives. It provides necessary direction to the business activities as well as serves the purpose of business control tool to achieve predetermined business objectives (Hope and Fraser 2013). In order to develop budget that would guide spending, both fixed and variable expenses are considered. Fixed expenses are those expenses that do not change each budgeting cycle such as rents, interest payments and insurance premiums. Variable expenses changes each month and include electricity bills, utilities, commissions, and phone bills. It involves documenting how the organizations overall plan would be executed over a specified period, outlining expenditures. Budget is a control tool that is frequently employed by managers to compare actual outcomes with expected results to determine variances and to develop strategies to minimize those variances (Kerzner 2013). In order to use budget as useful tool to manage business operations, managers have to consider some important things such as the budgets should be based on realistic cash flows. The budget should be able to differentiate between essential expenses and discretionary expenses. In addition, incorporating cash reserves into the budget can be good strategy as it acts as cushion future downturns in business (Kendrick 2013). Forecast: Forecast is an estimate of what the organization wants to achieve. Forecasting is used to predict companys income and is undertaken using accumulated sales and revenue historical data of the organization and the industry (trend analysis)s to predict financial outcomes for some predetermined period. Forecasting helps to estimate possible fixed and variable expenses based on different sales and revenue scenarios. Forecasting is used to determine how a company should allocate their budget for a future period. Unlike budgets, financial forecasting is updated more frequently if there is change in business market outlook or change in business plan. It is an important tool that assists managers to make necessary adjustments in expenses and align business functions with changing market conditions within the budgeting period (Acebes et al. 2014). Further, it is crucial for managers to consider some points while doing forecasts for the company. The most important point that managers have to consider is to develop more than one forecast for the company, preferably three forecasts; one that presents positive outlook, one for pessimistic scenario, and one most likely. This helps managers to plan for growth, but also helps to prepared for unexpected markets conditions that are not originally thought of. Next important point is to keep updated about market conditions and updating forecasts on regular basis. Moreover, it is also important to involve key people from the organization while developing forecast document as they have better understanding of the business goals and market condition, which will improve the accuracy of forecasting document (Goodman et al. 2013). Advantages of budgeting and forecasting There are many advantages of budgeting and forecasting in the organizational context, that can be given as Budgeting and forecasting are frequently in business organizations as they provide an effective way of allocating and utilizing resources within the organization. It improves managers understanding of future business environment and contingencies. It also acts a motivational tool as it presents overall vision of the organization, helps in identifying roles and responsibilities of employed in achieving organizational objectives and improves inter organizational communication (Reiss 2013). Drawbacks Though, there are many advantages of budgeting and forecasting in planning, these tools are not full prove and have following disadvantages such as Developing organizational budgets and forecasts requires considerations for a lot activities and factors, which carries real opportunity cost. Moreover, due to changing market conditions, business plans or any other factors, forecasts are required to be frequently updated that makes the previous budgeting and forecasting exercise futile. The frequency of errors and inaccuracies in the budgets and forecast are very high as compared to other planning tool and techniques. In addition, budgeting and forecasting may lead to inter department conflicts as organizational resources are limited and each department wants to get hold of maximum resources (Acebes et al. 2014). PERT Pert is an abbreviation for Program Evaluation Review Technique. It is a statistical tool that is widely used by business for planning and coordinating business operations or projects. It is developed to analyze and represent various tasks involve in completing a given project. PERT was designed by United States Navy in 1950s and is generally used in conjunction with Critical Path Method (CPM). It is a network based tool for planning and scheduling multiple inter related tasks in large and complex projects. It helps to answer the shortest possible time for completing the project and what activities must be undertaken first and in what order to minimize project completion time (Wyatt 2012). PERT employs statistical techniques to measure to measure and forecast development in business projects. The technique is widely used in manufacturing organizations. It provides a framework for decision making that helps managers to take effective decisions in order to achieve end objectives, and also saves time in taking business decisions. Moreover, the PERT is an effective decision making tool that helps managers to save time in decision making functions for those projects where time is a vital factor. It takes into consideration all the three crucial factors that influence the successful achievement of end objectives. These factors are time, resources and technical performance specifications (Hajdu 2013). PERT uses time as a variable factor that presents planned resource applications and performance specifications. PERT helps to quantify uncertainties that may arise in the course of achieving business objectives about which little information is available, thereby allowing management to develop greater understanding of the business environment (market) and formulate appropriate strategies to minimize such risks (Wang 2013). PERT technique is used to processes the data concerning the major events or finite milestones that are necessary to accomplish end objectives, establishes inter dependencies between those events and predicts the time (or range of time) that are necessary to execute activities between two successive events. The time estimates in PERT includes optimistic time, most likely time, and pessimistic time for individual activity between two successive events (Hajdu and Bokor 2014). PERT is management control technique that helps the in helps in achieving the objectives of the business in the specified time, highlighting the risks in the market that requires management intervention. It helps in identifying and defining both the methodicaness and slack in the network of sequential activities that has be undertaken to achieve business objectives. It compares the current expected time with planned completion time; and calculates the probability of meeting objectives on time and simulates effects of various decision options that are available to meet the business objectives. Thus, PERT helps the decision makers (managers) to identify and implement best available decision alternative to meet the business goals and objectives (Heagney 2012). PERT technique helps simplifying the planning and scheduling of large and complex projects in uncertain business conditions, when details and durations of various activities in meeting the final objective is not known. It is used for one time projects where historical data are not available. Further, it is used for those non-routine business decisions or projects where time is the critical factor rather than cost (Hajdu 2013). Pert planning process It consist of following six steps Identifying the individual tasks to be performed Identifying the dependencies between the tasks to determine the sequence of tasks to be undertaken Drawing a network diagram representing these tasks Obtaining estimates of time for completing each activities Identifying critical path Keeping the network diagram and critical path throughout the project Example In order to, better understand the application of PERT technique, following example can be considered: Task Predecessors a (Optimistic time estimate) m (Realistic time estimate) b (Pessimistic time estimate) A 2 5 8 B A 1 2 9 C A 0.25 0.5 3.75 D B 1 1 7 E B, C 1 2 9 F D, E 1 3 11 (Source: As created by author) Activity duration estimates: PERT technique employs three time estimates (a, m and b), to minimize the error in estimating activity duration. These time estimates are a = shortest possible time to complete an activity assuming everything goes perfect. m = most likely time to complete an activity under normal circumstances. b = longest possible time to complete an activity for worst case scenarios. Based on these time estimates, a weighted average and variance is calculated for individual activity duration as a measure of average duration and corresponding variability. Nodes represent events and activities are represented by arrows Weighted average = (Shortest time + 4 x Most likely time + Longest time) / 6 Standard deviation = (b a) / 6 Average critical path The estimated duration for the critical path is sum of expected durations of the critical activities i.e. (5 + 3 + 3 + 4 = 15) and expected variance of the critical path is equal to sum of variances of the critical activities i.e. (12 + {8/6}2 + {8/6}2 + {10/6}2 = 7.33. Moreover, it is important to note that activities on average critical path are considered for calculation of variance. The network diagram for the above activities are given as Fig: Network diagram and average critical path (Source: As created by author) Advantages: PERT provides the project manager with expected period within which the project can be executed and provides direction to the project functions. PERT chart helps in explicitly defining and making visible dependencies between work breakdown structure (WBS) elements. PERT helps in identifying the critical path of an activity. It helps in reducing overall project duration by providing a better understanding of dependencies between various activities by reducing overlapping of activities and tasks where viable. PERT presents large amount of project data in the form of diagrams that assists in effective decision making (HazÄ ±r 2015). Disadvantages For a large project, there can be hundreds or thousands of activities and individual dependency relationships, which cannot be represented in a single sheet and therefore, cannot be used for practical reasons. Another limitation is that all the estimates are subjective and depends on the abilities of the managers. PERT focuses on the time aspects of the project in achieving and does not account for the overall costs. In addition, PERT network charts becomes complicated and unmanageable for large projects that constitutes hundreds or even thousands of activates and dependency relationships. Further, for large and complex projects, PERT charts become expensive to develop, update and maintain (HazÄ ±r 2015). Gantt chart A Gantt chart is kind of bar chart that was developed by Henry Gantt in the 1910s which depicts project schedules. It is essentially a timeline view of the entire project tasks and helps to visualize data. Gantt chart consists of series of horizontal lines that represents the amount of work done or some activities completed in certain periods of time in relation to the amount of time planned for completing those planned activities. Gantt charts are useful planning and monitoring tool that are commonly used in project management. It is one of the most helpful ways of representing activities (tasks or events) against time. In Gantt chart, the left side represents a list of activities that has to be undertaken and at the top is represented a suitable time scale that is deemed correct for completing the mentioned activities. In Gantt charts individual activities are represented by a bar; the position and length of bar indicates start date, duration and end date of the activity (Sharon et al. 2014). Gantt charts are the graphical representation of various activities that are to be undertaken to successfully complete the project. It helps to understand what activities are to undertaken, when each activity begins and ends, how long each activity is expected or scheduled to last, where activities overlap and by what magnitude, and the starting and end date of the entire project. In other words, Gantt chart helps to represent what activities have to perform the schedule for completing those activities. It in the modern business organizations Gantt charts are frequently used tracking project schedules. It provides crucial information about the various tasks or phases of the a project i.e. how various activities of the project are related to each other, how far the each activity of the project has performed, resources employed for individual activities and other project related information (Ong et al. 2016). In order to complete the project successfully, it is important to manage and control a large number of activities so that the project can be completed on time. Time is an important factor for achieving the desired objectives. Even if a part of a project is delayed, it can have serious implications on the entire project and overall cost of the project will increase manifold. Gantt chart, in this context, helps managers to have complete control on project tasks and effectively eliminate deviations, if any. It provides a quick overview of the entire project, its associated tasks and the order in which it needs to be completed (Baker and Trietsch 2013). Gantt chart preparation In order to develop an accurate Gantt chart, following steps are required to be taken Identify essential tasks Linking various tasks Adding constraints Including resources Enhancing Gantt charts Reviewing the project In the todays world, there are many software applications that enable manager to develop accurate and holistic Gantt chart. Some of the popular software for developing Gantt cart is Microsoft Project, MindView Business Edition, and Primavera Project Planner. In order to develop Gantt chart, it is important to first completely understand the complete project plan and various aspects associated with it. The best way to understand project plan is to use work breakdown structure that splits the tasks into sub tasks and presents them in hierarchical order. In this regard, mind mapping of the entire project can be undertaken to ensure that all the activities of the project is included. Once the project plan is completed, data is feed into the application to get the relevant Gantt chart (Dayani and Gelbard 2015). Example In order to better understand the importance and application of Gantt chart, following example for a shop floor planning can be used Task Length Type (sequential or parallel) A - Brainstorming and high level analysis 1 week S B - Preliminary market research 3 week P C - Preliminary manufacturing study 1 weeks P D - Evaluation and selection of best product design 1 week S E -Developing detailed marketing plan 1 week P F - Designing manufacturing process 3 week P G - Developing detailed product design 3 week P H - Building and testing prototype 1 week S I - Finalizing product design 2 week S J - Ordering product components 1 week S K - Ordering production equipments 3 week P L - Installing production elements 2 week S (Source: As created by Author) Based on the activities identified for the above project, the Gantt chart can be generated as given below: Time in weeks 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 A - Brainstorming and high level analysis B - Preliminary market research C - Preliminary manufacturing study D - Evaluation and selection of best product design E -Developing detailed marketing plan F - Designing manufacturing process G - Developing detailed product design H - Building and testing prototype I - Finalizing product design J - Ordering product components K - Ordering production equipments L - Installing production elements (Source: As created by author) Advantages During the process of setting up Gantt chart, all the tasks related to the project are well thought of in advance, this helps managers to avoid any instances of forgetting any crucial aspect related to the project. Moreover, during this process, people responsible to execute various activities, time required to execute various activities and problems that may arise in the process of project completion are considered and remedial measures are planned in advanced. Thus it can be said that developing a Gantt chart ensures that the project plan is workable, right people are assigned for each task and management have workarounds for potential problems even before the project starts. In addition, Gantt chart helps to determine minimum time required to deliver the project and the critical path to be followed in executing various tasks related to the project. This also helps the interested stakeholders to keep informed about the projects progress (Browning 2014). Limitations One of the greatest limitation of Gantt chart is that it works effectively only for smaller projects. As the project becomes larger and complex, it becomes practically difficult to rely on Gantt charts for the purpose of scheduling and controlling the project objectives. Moreover, Gantt charts do not represents various sub tasks that are important to achieve a milestone (Riol and Thuillier 2015). Sensitivity and scenario analysis Sensitivity analysis Sensitivity analysis is a mathematical tool that helps decision makers to determine how different values of an independent variable can influence a particular dependent variable under some particular set of assumption and circumstances. It is data driven analysis that of how some variable variables impacts a single variable. This method is widely use in decision making and is sometimes referred to as what if analysis as it provides managers a simulation analysis to predict the outcome of a decision within a particular set of decision variables. In sensitivity analysis, key quantitative assumptions and computations related to a decision are changed systematically in order to determine their effect on the final outcome (Weglarz 2012). Example: In order to better understand the concept, following example can be considered Sensitivity analysis can be used to determine the influence of customer traffic on total sales. The sales are dependent on price and transaction volume. Assuming, that the price of merchandise is $1000 and the company sole a total of 100 items last year, for an overall sales revenue of $100,000. Further, it is established that 10 % rise in customer traffic increases transaction volume by 5%. This knowledge can be used to develop a financial model and sensitivity analysis around this equation based on what if statements. The model can be used to explain what would happen if the customer traffic increases by 10%, 20%, 50% and so on. Based on the current data, the 10%, 20% and 50% increase in customer traffic would lead to increase in transaction by 5, 10 and 50 respectively. This analysis also indicates that sales are highly sensitive to change in customer traffic (Fang and Marle 2012). Sensitivity analysis is one of the important business decision tools. In order to make an effective decision managers have to identify cost drivers as well as other quantities that influence the quality of decision making. On the other hand, some quantities do not have any influence on overall quality of decision taken by the managers and the collection of information about these quantities can be relaxed. This helps the business to save some valuable resources without any loss in the accuracy of decision (Young 2013). Advantages Sensitivity analysis helps business managers to identify critical assumptions and compare alternative model structures. It helps the mangers in collecting relevant data for future use and also helps in resource allocation. It helps in testing the robustness of an optimal solution and highlights about the riskiness of the strategy developed by the organization (Gal and Greenberg 2012). Limitations In most of the business decision scenarios, variables are interconnected or correlated with each other and thus, it becomes practically difficult to examine each variable individually. Moreover, sensitivity analysis is based on assumptions that employs past data, which may not hold true in future. In addition, the maximum and minimum values used for the analysis is open to subjective interpretation. This can have adverse effect on the overall accuracy of the analysis (Deif 2012) Scenario analysis Scenario analysis can be defined as a process of analyzing future course of events by considering alternative possible outcomes. Thus, it helps to predict future scenarios and enables managers to develop greater understanding of the future market conditions to that they can take effective decisions (kmen and ztaÃ…Å ¸ 2015). Moreover, scenario analysis does not rely on past or historical data to make projections about the future; instead it tries to possible developments and turning points. It is helpful to develop optimistic, pessimistic and most like scenarios, so that the managers or decision makers can formulate appropriate strategies to deal with future market conditions. Further, the purpose of undertaking scenario analysis is to improve managerial decision making by allowing consideration of outcome and its implications (Chow 2014). In order to undertake scenario analysis following steps can be undertaken Defining the problem: having a clear understanding of the problem enables the managers to understand final outcome that the business wants to achieve. For example, if the business wants to launch a new product that cater to corporate clients in managing their financial data. In this context, it is important to access where the business would be headed in the next five years and what future conditions might affect the success of the business. Collecting data: Once the problem has been identified, the decision makers are required to identify key factors, trends and uncertainties that would influence the business plan. This can be achieved through running a situational analysis comprising of both external and internal business environments. Based on the analysis, key assumptions are required to be identified on which the plan depends (Hassani 2016). In this case, the key assumptions can be the state of economy i.e. clients have suspended their business development plans due to recession in the economy, perceived importance of the business plan for the clients in enhancing organizational productivity. Separating certainties from uncertainties: Based on the assumptions identified, it is important to determine the validity of those by thoroughly challenging them and selection of validated assumptions as certainties. Other assumptions that are not so significant or crucial for successful implementation of business plans can group as uncertainties (Lee et al. 2016). For the above business plan, certainties are identified as large organizations face problems financial management for diverse group of products and services they deal in and the new product provide by the organization would help corporate clients in enhancing their organizational capabilities. However, there are other competitors in the proposed business plan category that may significantly hamper the business plan in the long run. Developing scenarios: Now depending on the uncertainties, different scenarios are developed starting from the top uncertainty. Based on all the uncertainties, optimistic, most likely and pessimistic scenarios are developed (Amer et al. 2013). The three scenarios for the above example can be First, the new product would be a success as the economy is growing steadily. Second, the product would be able to pull through the market slowly as the economy is in declining stage and lastly, the product would require time and organizational resources to establish in the market and the intensifying competition and recession in the economy would ultimately lead to product failure. Using scenarios for planning: Based on the scenarios, the managers can plan accordingly. Advantages of scenario analysis Advantages of scenario analysis include Scenario analysis helps management in making most appropriate decisions considering all the available alternatives available. It helps the organization to avoid poor investment decisions. Scenario analysis presents best and worst outcomes that an organization might face in the future, therefore, it allows the organization to be prepared for possible future opportunities and threats. This helps organizations to be proactive instead of being reactive (kmen and ztaÃ…Å ¸ 2015). Drawbacks of scenario analysis One of the major disadvantages of scenario analysis is that it is subjective in nature and its accuracy depends on the capabilities and experience of the planner. Other disadvantage of scenario analysis lies in the fact that it is not possible to accurately predict future scenarios for long-term projects, especially if the project is expected to exceed two or more financial years. Moreover, it is impossible to implement scenario analysis in those conditions where trends change frequently, or some natural disaster or some unprecedented financial events (Chow 2014). Conclusion From the above discussion, it can be concluded that planning tools and techniques plays an important role in formulating and implementing organizations plan. Planning tools helps in scheduling and coordinating various organizational plans and assists managers to ensure that the organizational objectives are effectively accomplished. There are different planning tools that assist managers in the planning process. Some of the most commonly employed planning tool include budgeting and forecasting, PERT network diagrams, Gantt charts, and sensitivity and scenario analysis. Although, all these tools and techniques helps managers in planning, they all serve different purposes and are employed according to the type of project, complexity and organizational needs. Budgeting and forecasting helps in determining future expenses that the organization has to incur to reach its objectives whereas forecasting helps in determining the how these objectives would be achieved. PERT network diagrams he lp managers to identify various activities that have to be undertaken to accomplish a project. It also helps the managers to identify the shortest possible time within which a project can be completed. Moreover, it also helps to establish dependencies between various tasks necessary to successfully complete the project. Gantt charts on the other presents the project milestone in the form of horizontal bar charts. Gantt charts helps in scheduling the project tasks and provides a overall idea about projects progress. Lastly, sensitivity and scenario analysis helps in determining future conditions related to the project and presents various situations that might occur at some point in the future, thereby enabling managers to prepare for such contingencies and select most appropriate course of action. References Acebes, F., Pajares, J., Galn, J.M. and Lpez-Paredes, A., 2014. A new approach for project control under uncertainty. Going back to the basics. 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