prepare and submit a paper on consumer credit.

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Your assignment is to prepare and submit a paper on consumer credit. Owing to the fact that there are potential challenges that may affect consumers while making transactions using consumer credits, various laws have been implemented to ensure that such challenges are prevented from occurring. In the United States, legal structures governing the use of consumer credits have been embodied in state as well as federal laws: Various states have passed regulatory frameworks that govern the use of consumer credits for instance. the application of the Uniform Consumer Credit Code that has been implemented in approximately 11 states. The main objective of this code is to protect consumers who intent to obtain credit cards for purposes of facilitating their transactions. Additionally, this code ensures that consumers are provided with enough credit and monitors the consumer credit sector as a whole.

In the year 1968, the Consumer Credit Protection Act was passed by the United States Congress, with a purpose of regulatory the credit sector. This act stipulates that credit service providers have to describe the terms of providing credit to their consumers before they acquire their services. There are also other acts that have been provided in the United States not only for purposes of handling consumer credit issues, but also handling and managing issues that may affecting credit card holders in due course as well as issues affecting transactions involving debit cards.

New Keynesian Model. The work is to be 4 pages with three to five sources, with in-text citations and a reference page.

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I will pay for the following article New Keynesian Model. The work is to be 4 pages with three to five sources, with in-text citations and a reference page. A major advantage of the NKPC compared with the traditional Phillips curve is said to be that the latter is a reduced-form relationship. whereas, NKPC model has a clear structural interpretation so that it can be useful for interpreting the impact of structural changes on inflation (Gali and Gertler 1999). The key New Keynesian models of incomplete nominal adjustment Dynamic Stochastic general equilibrium (DSGE) is a new Keynesian economic model whose foundation is hinged on the microeconomics elements. The key purpose of the DGSE model is to integrate monetary policies and theories with real business cycles impacting the economies. The model acknowledges and specifies preferences of economic agents such as individuals and firms who wish to maximize utility ad profits respectively. The DGSE model depends on the current choices of economic agents to predict future economic outcomes. It also allows stochastic disruption on the technology of production and applies the competition principle to compute equilibrium price and quantities under the function of preferences, tastes, technology and random shocks (Geweke 2009). There are many assumptions that are made in the DSGE model. The first assumption is that the model relies on complete markets. Complete markets allow competitive monopolistic economic agents (firms) to set prices in response to market conditions. The set prices cannot be adjusted instantly without incurring some additional costs. Second assumption is that prices and wages are sticky. Economic processes are influenced by various factors that delay price and wage adjustments making it difficult to attain full equilibrium. Such factors include failure of firms to reduce prices even if marginal cost decreases in order to increase their level of profits. If demands fall, firms are likely to hold prices constant and reduce production rather than reduce the prices of goods or services. Thirdly, the model assumes that economic agents are rational. This means that economic agents choose appropriate consumption paths that maximize utility and production paths that maximize profits. Fourthly, resources are fully utilized in each period. This means that there are no resources spilling to the next budget period. Fifth, input decisions are determined by people who decide how much time they work, the quantity of goods and services they consume as well as the amount of income they save and invest in line with costs associated to those decisions. Sixth, the economy is closed. This indicates that they are no international goods or services that flow in or out of the economy. Seventh, money markets do not exist in the economy. Finally, the eight assumption of DGSE model is that people know policies that affect them a next in advance. For example, people know the exact tax policy that affects them in the coming year. These are policies that are likely to be sustained though they are likely to experience stochastic disturbances. The model takes into consideration random shocks such as technological change, fluctuations in price of oil and errors in macroeconomic models. Though the model is considered superior, it has been criticized that it was not useful in analyzing the financial crisis of 2007-2010.

 

submit a 1750 words paper on the topic EXPERIENCES OF NURSES WORKING IN PALLIATIVE CARE.

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Hi, need to submit a 1750 words paper on the topic EXPERIENCES OF NURSES WORKING IN PALLIATIVE CARE. (Harris, Flowers, Noble, 2011) In a qualitative study by (Brajtman, Higuchi, McPherson, 2006) they looked into the matter related to the challenges the nurses face in palliative care, to explore their experiences in caring for patients with terminal delirium and their families. This qualitative research will emphasize the importance of qualitative interviews as most powerful method for understanding the experiences and meanings related to the topic. This study was conducted in a palliative care unit located in a large Canadian city hospital for 5 nurses working in an interdisciplinary palliative care unit and 4 nurses form palliative home care nursing team located in the same city. Few interview questions have been generated for the nurses to proceed with the qualitative study. Based on the questions results which has been found are like most of the participants said that they experience distress while caring for palliative care patients. They said that if they gather convenient skills and knowledge in the identification and diagnosis they can help to support the patient in better way and family during disturbed conditions. Understanding the unique nursing experience is very much important in the process of providing the nurses with required support to make them strong and help them to provide care in challenging situations. Nurses also identified their team members as most major source of support. They also mentioned that effective teamwork would help them to deal with palliative care patients and their families more efficiently. There is need for proper education and training for the nurses to face challenges with palliative care patients. Lack of education may experience in serious stress for these nurses in care of the dying people and their families. It is important to check that nurses should receive appropriate knowledge, skills and support to care for this patient (Brajtman, Higuchi, McPherson, 2006, pp.6-7). Thus from this study we can understand that proper opportunities should be provided to the nurses so that they can face challenges confidently. The support of organization, teammates and family will enhance the quality of care. The number of sample chosen here is very small. A primary research should contain minimum 20 samples to carry on with a proper research. But here amount is very small which is not very good to conduct a research. A larger sample would have been beneficial to obtain greater depth of data as there was no clear evidence to overcome the challenges. White, et al (2004) found similar trends in his study. He explored with qualitative descriptive study using semi structured interviews with nurses caring for palliative care patients. Here 9 experienced palliative care nurses were interviewed. The participants here explained about their experience and challenges they face regularly. The nurses reported that they have enormous impact on their work and personal lives. The nurses here describe about two types of sufferings, physical and emotional or psychological. Most of the nurses reported here that they try their best to relieve a patients suffering and when they cannot help the patient with such condition they get a feeling of helplessness, distress, frustration and a sense of failure.

research paper on corporate accounting, financial statement analysis of 3 publishers. Needs to be 3 pages.

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Need an research paper on corporate accounting, financial statement analysis of 3 publishers. Needs to be 3 pages. Please no plagiarism. Topic: Corporate Accounting, Financial ment Analysis of 3 Publishers There is need to measure performance of the company. performance appraisal is a concept that has recently gained popularity among many managers. There are many ways to measure performance of the company which include balance score card, bench marking, management by objectives and ratio analysis. In this paper we will use the ratio analyses in analyzing the financial statement of the three publishing company, and establishing the performance of the three companies. Ratio analysis helps the management in formulate financial plans and polices that the company should undertake in order improve its performance. In addition ratio analysis allow comparison of data from companies that are similar and also allow a firm to compare it financial performance with the industry, ratio analysis also allows the company data to be measured against companies that have sound financial condition (Wood & Sangster, 2005). A ratio analysis of the industry can be illustrated as below. Ratio Formula Random House Group LTD Hachete UK (holdings) Ltd Penguin Books Ltd 2008 2007 2006 2008 2007 2006 2008 2007 2006 EBIT Profit after tax add back tax and interest 34,898,431.00 44113520 47013366 -5845157 -11791037 2584000 34698000 -14030000 3325000 Equity Ratio Total Owners Equity/ Total Assets 0.61 0.510043771 0.44485707 0.7289631 0.69693196 0.7958347 0.45112018 0.14722586 0.177028 ROE EAT/Total owners equity funds 0.13 0.187083586 0.24894299 -0.0429812 -0.06780599 -0.002963 0.29963005 -0.243898 0.106854 ROI EAT/Total Assets 0.07 0.095420818 0.11074405 -0.0313317 -0.04725616 -0.002358 0.13516916 -0.0359081 0.018916 ROA profit before interest and tax/capital employed x 100 15.67% 21.91% 27.33% -2.34% -4.13% 0.87% 27.91% -43.02% 8.30% Profit margin Profit before interest and tax/sales x 100 15.28% 20.62% 21.52% -705.94% -1477.57% 337.34% 25.54% -10.65% 2.38% Asset Turnover Turnover/Total assets 0.66 0.640677629 0.71757299 0.0026315 0.00232476 0.0023864 0.49293787 0.59456007 0.617211 In this case the publishing industry has been dominated by three companies which include random House group limited, Hachette UK holdings and penguin books Ltd, out the three companies, Random house group ltd has showcased overwhelming sales of the .last three years. This made the earning of this company to be stable as compared to other firms in the industry. In this industry Random can be described as the market leader, this is based on the large market share that the firm controls the firm’s control. The firm has been able to maintain high level of sales due to the intensive marketing that the firm has undertaken on its products. The location of Random group ltd also foster it sales, the publishing company is located in a where there is high demand of the company’s product, thus this increase its sales significantly although sales increased significantly earning soured over the three year period due to increased cost of sales and expenses of the company. Although the sales of Hachete Company have increased significantly the company expenses have increased at higher rate than increase in sales this has made the company to make loses over time. This has made the company to reduce in profitability. Penguin ltd has experienced an increase in sales over the years these has made the company earnings before interest and tax to increase except in the years 2007 where the company had earnings before tax and interest decline to -14030000. This was due to constrains that the company was facing at the time. In this case random group has high ratio indicating that it has high profitability as compared to the other firms. Return on equity, is one of the key ratios that investors consider due to the signaling effects. In the case of Random house group and Hachette UK holdings this ratio has soured over the three year period this can be attributed decline earnings attributed to the shareholders. In addition for Hachette holdings have committed its earning to current obligation thus making the residual values to shareholder decline. Penguin’s return to shareholder shows that the firm has been able to generate enough returns for the shareholders (Vance, 2009). Return on investment, shows the proprietors investment ability to generate profits. The profits available for distribution in this case have decline over the years for Random group and Hachete Holdings Ltd. For Penguins, this ratio cannot used to assess the performance of the company since the company has unstable earnings (Elliott & Elliott 2008). This ratio has the same implication with ROA. For asset turnover ratio, the companies have maintained stable ratio showcasing the companies have maintained good proportions in growth of sales and assets. The decline in this ratio for Random group and Penguin Ltd over three year period can be attributed to higher rate of growth in sales for the two companies. In conclusion ratio analysis has facilitated a comparative study of financial position and the performance of the company in the industry. From the above analysis random group has strategically managed its resources thus gaining financial soundness thus dominating the publishing industry. Work cited Eisen, P. J. (2000). Accounting (4th ed.). Hauppauge, N.Y.: Barron’s Educational Series. Elliott, B., & Elliott, J. (2008). Financial accounting and reporting (12th ed.). Harlow: Financial Times Prentice Hall. Libby, R., Libby, P. A., & Short, D. G. (2004). Financial accounting (4th ed.). Boston: McGraw-Hill/Irwin. Vance, D. E. (2009). Ratios and other tools for analysis, control and profit. Cranbrook, Kent: Global Professional Pub.. Warren, C. S., Reeve, J. M., & Fess, P. E. (2002). Financial accounting (8th ed.). Cincinnati, Ohio: South-Western College Pub.. Wood, F., & Sangster, A. (2005). Frank Wood’s Business Accounting 1. Upper Saddle River: Financial Times/Prentice Hall.