How to Be the Ideal Applicant to Online Colleges

Applying to an online college can be particularly nerve-wracking. It can be difficult to know what your chosen program expects, especially if you don’t know anyone who has â€Å"attended† the school. Some online colleges have relaxed admissions guidelines (i.e. everyone who applies is accepted, assuming they have a high school diploma or its equivalency). Other online programs are very selective and only accept the best of the best. Most virtual colleges fall somewhere in the middle. They’re looking for students who meet basic benchmarks such as a reasonably high GPA in previous coursework and well-written application essays. Being aware of these benchmarks ahead of time can help you prepare to apply. What Online Colleges are Looking For in Their Ideal Applicant A successful academic record. Online colleges want to know that accepted applicants will succeed in their classes, without any face-to-face encouragement. Applicants who have high-grade point averages in previous high school and college-level work show the most promise. Many virtual schools set minimum GPAs for incoming students. If your GPA is particularly low due to unusual circumstances (your aunt died and you adopted her child, mid-semester) make note of it somewhere on your application. Lower GPAs are sometimes overlooked when the applicant demonstrates other strengths. High test scores. Whether they require the SAT, ACT, GRE, or LSAT, your online program wants to test your current knowledge and your ability to learn. There are many test preparation programs and books available to help you study. If your first score is too low, you may be able to take the exams a second or third time. Extracurricular and professional activities. Online schools may not offer a vibrant campus lif e, but they do want students who will make a difference in their own communities. Volunteerism and leadership are particularly important. If you’re a mid-career professional, let the school know about your achievements related to your field of study. Whether you’ve spent your Saturdays at an animal shelter or run a successful internet venture, don’t be afraid to toot your own horn. Well-written essays. The application essay is your chance to let your personality show through. Online colleges are looking for articulate, thoughtful essays without grammatical mistakes. Let a professional proof-read your essay and offer suggestions. But, don’t let your voice get muted. Admissions officials want to â€Å"see† who you are by reading your essay – authenticity counts. Stellar recommendations. Online colleges also want to know how other people see you. That’s why many programs require several letters of recommendations. When deciding on recomm enders, choose people who know you well. Some colleges ask that recommendations remain confidential - if you’re not sure that person will give you an excellent recommendation, don’t ask. By meeting these basic application benchmarks, you’ll position yourself as the ideal applicant in the eyes of many online colleges. But, don’t forget to check with your chosen college’s applications counselors. Knowing their specific requirements is the best way to ensure that acceptance letter makes it to your mailbox.

Church Corruption Canterbury Tales - 1168 Words

Corruption of the Church in The Canterbury Tales Around 1300AD, the Italian Renaissance was introduced, spreading through continental Europe as a â€Å"rebirth† of intellect, culture, and especially in the church. Despite the societal advancement, this religious renewal didn’t reach England until over a century later, which was partly because of corruption. During this period when England was behind the times, world connoisseurs such as Geoffrey Chaucer gradually brought the development into the country. Such is evident in Chaucer’s The Canterbury Tales, where Renaissance-like characters on a holy pilgrimage take part in a story telling competition. Many of the pilgrims are part of the clergy and mimic the essence of the modern times by†¦show more content†¦The Monk in The Canterbury Tales is very contradictory to this common view. The man refutes his quiet reserved code to explore the modern world for answers. As opposed to taking care of normal duties he hunts and rides horses, which is against the code. The Monk ignores these rules. Chaucer asserts, He did not rate that text at a plucked hen(Chaucer 106). Chaucer is emphasizing in the prior line how the sacred texts the monk swore to live by are meaningless to him. Reasoning behind the Monk’s repulsion of the rules is because the rules are against what he is passionate about. Acosta agrees the clergyman may desire his title however does not favor the life of a monk, and in order to be a genuine monk he must quit hunting and begin the tasks of ordinary monks. Clerics like the Nun and the Monk initiate the questionable sanctity of Catholicism. Malfeasance further disgraces the face of the Church in the personalities of the Friar and the infamous Pardoner. A red light flashes when questioning the authenticity of the Friar. He is distinguished as a festive, merry man who drinks excessively and carouses with several women. He is very money conscious, an excellent beggar, and despises associating himself with the poor or unfortunate. The Friar’s integrity is questioned also by Gower, who writes, â€Å"Many are friars in name but few by rights. As some say, Falseness is their prophet. Their cloaks appearance is poor, but their money boxShow MoreRelated The Canterbury Tales - Corruption in the Church Essay629 Words   |  3 PagesThe Canterbury Tales - Corruption in the Church Chaucer lived in a time dictated by religion and religious ideas in which he uses The Canterbury Tales to show some of his views. Religion played a significant role in fourteenth-century England and also in Chaucer’s writing. His ideas of the Church are first seen in â€Å"The Prologue,† and he uses seven religious persons to show the influence of the religion in his writing. Although many of his characters appear to portray part of the corruption in theRead MoreEssay on Chaucers The Canterbury Tales927 Words   |  4 PagesChaucers The Canterbury Tales In The Canterbury Tales, Geoffrey Chaucer comments on moral corruption within the Roman Catholic Church. He criticizes many high-ranking members of the Church and describes a lack of morality in medieval society; yet in the â€Å"Retraction,† Chaucer recants much of his work and pledges to be true to Christianity. Seemingly opposite views exist within the â€Å"Retraction† and The Canterbury Tales. However, this contradiction does not weaken Chaucer’s social commentary.Read MoreMoral In The Canterbury Tales1221 Words   |  5 PagesThe Canterbury Tales The Canterbury Tales have an ultimate lesson at the end, just as every other literary work does. In some of them, he simply states what it is, or some may have to be inferred. During the time, many social and historical events were taking place, and in some instances, Chaucer chose to base the moral around it. While reading The Canterbury Tales, the audience gets entertainment and a basic knowledge of what life what like through the lessons he presents. All of the tales moralsRead MoreFrame Characteristics In Geoffrey Chaucers The Canterbury Tales1119 Words   |  5 PagesThe Canterbury Tales, Chaucer uses frame narratives to incorporate the many stories of pilgrims. The author, Geoffrey Chaucer, also known as the â€Å"Father of English Literature,† writes these little stories to mirror his inquisitive language and use of cunning and satirical passion. The tale takes place in the fourteenth century where the wealthy Catholic Church dominates the political scene of Engla nd. This story describes twenty-nine individuals who are going on a pilgrimage to Canterbury withRead MoreChaucer s The Canterbury Tales1064 Words   |  5 PagesGeoffrey Chaucer, The Author of the Canterbury Tales, is known as the Father of English Literature and is one of the greatest English Poets of the Middle Ages. Chaucer was a soldier, a diplomat, a civil servant, and a courtier, enabling him to experience different aspects of each social ranking, which he demonstrated through his poetry. The Canterbury Tales, his most famous work, is a collection of short stories within a frame story, making for an interesting and memorable narrative about 29 pilgrimsRead MoreEssay on Chaucers: The Pardoners Corruption Tale866 Words   |  4 Pages Written in the fourteenth century by Geoffrey Chaucer, The Canterbury Tales bursts its way into the literary world, and quickly made its mark as one of the early English masterpieces. Its poetic verses often disguised the disdain that Chaucer possessed for the hypocritical behaviors that were (and in many ways still are) present with the religious leaders. Throughout this lyrical writing, Chaucer tackles the opulent monk, the corrupt friar, and the flirtatious nun. However, the Pardoner is oneRead MoreCanterbury Tales And Beowulf Essay1373 Words   |  6 Pagesof Beowulf and The Canterbury Tales are two that have been compared for centuries. Based in two different time periods, both novels describe religion, loyalty, and distinguish social classes through characters. In the novel Beowulf, the character Beowulf is known as the â€Å"hero of all heroes,† strong, courageous, and a warrior who is willing to risk his life for his ideals. In The Canterbury Tales, there are twenty- four tales describing characters from a knight to a monk’s tale. As the stories areRead MoreExamples Of Corruption In Canterbury Tales1035 Words   |  5 PagesDuring the medieval times corruption in the Catholic Church was prevalent. As corruption was prevalent during Chaucer’s time so was a Pardoner’s practice of selling indulgences, becoming one of deception and greed. Similar to the upper class focusing their time on becoming the richest and most powerful. In many of Geoffrey Chaucer’s The Canterbury Tales, Chaucer would use satire to criticize different social classes. For example, the middle class, those people who worked for their possessions. HeRead MoreThe Use Of Satire In The Canterbury Tales By Geoffrey Chaucer1406 Words   |  6 Pages Geoffrey Chaucer wrote The Canterbury Tales, using his characters as the mouthpiece for his iconoclastic views. Chaucer had serious issues with the hypocrisy of the church as well as, many other sacred instit utions. The only reason that Chaucer was not exiled or even imprisoned for his views is the way in which he exposed them. Through the allegorical meanings of this text and Chaucer’s claim that he is simply retelling the events of his pilgrimage to Canterbury as it occurred, Chaucer is savedRead MoreThe Wife of Bath from Geoffrey Chaucers Canterbury Tales Essay592 Words   |  3 PagesChaucers Canterbury Tales In Geoffrey Chaucer’s The Canterbury Tales, a collection of tales is presented during a pilgrimage to Canterbury Cathedral. The pilgrims on the journey are from divergent economic and social backgrounds but they have all amalgamated to visit the shrine of Saint Thomas. Chaucer uses each pilgrim to tell a tale which portrays an arduous medieval society. The values, morals and social structures of the society can be examined through the fictitious tales, unravelling

A Short Story - 1367 Words

Phenix stood in front of the closed door, his heart pounding and his fist ready to do the same to the heavy, whitewashed, wood panel. Damn the Archaeans to hell! Why wouldn’t they let him wrap up this ludicrous contract in the way he usually did, a simple tag-and-bag transaction. Boom! Pay up. He wasn’t in the mood to play nice, to seduce a foul-tempered woman who’d readily gut him the instant he lowered his guard—been there, have a new body to prove it. He’d rather go up against an entire army of demons than coax the female to relinquish her soul. No one in their right head would want to give up their soul willingly? You would†¦ Doesn’t count because he wasn’t of sound mind, was he? But, who did Kalyssandra consider worthy of such a†¦show more content†¦Under the moonlight, the rocky landscape gleams midnight blue touched with silver. The only thing missing from his view was the cenobites. Where were they? Though the stone walls of the building offered privacy, he doubted the timeworn rock was a hundred percent soundproof. He stared at the other end of the corridor where he knew a short flight of stairs led down to the ground floor when the cell phone in his shirt pocket vibrated against his chest. He pulled it out and checked the screen before answering the call. â€Å"Yes?† â€Å"We’ve got trouble.† He turned his face to the window and spoke to Jonas. â€Å"Where?† â€Å"Teahouse.† Phenix glanced over at Kalyssandra’s door. â€Å"I’m on my way. Can you contain it?† â€Å"Horse has already bolted. It’s a little late to shut the door now.† Phenix ended the call and stretched his neck to each side. Damn, would he ever catch a break? A cold breath whispered across the back of his neck, and had nothing to do with the winter air wafting through the latticed window. A few minutes ago, everything had been on track and he’d persuaded her to have dinner with him. But Jonas’ call had shot things to hell. Stalking along the hall to her bedroom, he lifted a hand and was about to knock when the door swung open and Kalyssandra dropped into a fighting stance. â€Å"Shà  ngdà ¬!† He resisted smiling, watched her eyes turn a dark, searing shade of brown. â€Å"I’ve been called a lot of things in my time, but no one has ever called me, ‘SupremeShow MoreRelatedshort story1018 Words   |  5 Pagesï » ¿Short Stories:  Ã‚  Characteristics †¢Short  - Can usually be read in one sitting. †¢Concise:  Ã‚  Information offered in the story is relevant to the tale being told.  Ã‚  This is unlike a novel, where the story can diverge from the main plot †¢Usually tries to leave behind a  single impression  or effect.  Ã‚  Usually, though not always built around one character, place, idea, or act. †¢Because they are concise, writers depend on the reader bringing  personal experiences  and  prior knowledge  to the story. Four MajorRead MoreThe Short Stories Ideas For Writing A Short Story Essay1097 Words   |  5 Pageswriting a short story. Many a time, writers run out of these short story ideas upon exhausting their sources of short story ideas. If you are one of these writers, who have run out of short story ideas, and the deadline you have for coming up with a short story is running out, the short story writing prompts below will surely help you. Additionally, if you are being tormented by the blank Microsoft Word document staring at you because you are not able to come up with the best short story idea, youRead MoreShort Story1804 Words   |  8 PagesShort story: Definition and History. A  short story  like any other term does not have only one definition, it has many definitions, but all of them are similar in a general idea. According to The World Book Encyclopedia (1994, Vol. 12, L-354), â€Å"the short story is a short work of fiction that usually centers around a single incident. Because of its shorter length, the characters and situations are fewer and less complicated than those of a novel.† In the Cambridge Advanced Learner’s DictionaryRead MoreShort Stories648 Words   |  3 Pageswhat the title to the short story is. The short story theme I am going conduct on is â€Å"The Secret Life of Walter Mitty’ by James Thurber (1973). In this short story the literary elements being used is plot and symbols and the theme being full of distractions and disruption. The narrator is giving a third person point of view in sharing the thoughts of the characters. Walter Mitty the daydreamer is very humorous in the different plots of his dr ifting off. In the start of the story the plot, symbols,Read MoreShort Stories1125 Words   |  5 PagesThe themes of short stories are often relevant to real life? To what extent do you agree with this view? In the short stories â€Å"Miss Brill† and â€Å"Frau Brechenmacher attends a wedding† written by Katherine Mansfield, the themes which are relevant to real life in Miss Brill are isolation and appearance versus reality. Likewise Frau Brechenmacher suffers through isolation throughout the story and also male dominance is one of the major themes that are highlighted in the story. These themes areRead MoreShort Story and People1473 Words   |  6 Pagesï » ¿Title: Story Of An Hour Author: Kate Chopin I. On The Elements / Literary Concepts The short story Story Of An Hour is all about the series of emotions that the protagonist, Mrs. Mallard showed to the readers. With the kind of plot of this short story, it actually refers to the moments that Mrs. Mallard knew that all this time, her husband was alive. For the symbol, I like the title of this short story because it actually symbolizes the time where Mrs. Mallard died with joy. And with thatRead MoreShort Story Essay1294 Words   |  6 PagesA short story concentrates on creating a single dynamic effect and is limited in character and situation. It is a language of maximum yet economical effect. Every word must do a job, sometimes several jobs. Short stories are filled with numerous language and sound devices. These language and sound devices create a stronger image of the scenario or the characters within the text, which contribute to the overall pre-designed effect.As it is shown in the metaphor lipstick bleeding gently in CinnamonRead MoreRacism in the Short Stor ies1837 Words   |  7 PagesOften we read stories that tell stories of mixing the grouping may not always be what is legal or what people consider moral at the time. The things that you can learn from someone who is not like you is amazing if people took the time to consider this before judging someone the world as we know it would be a completely different place. The notion to overlook someone because they are not the same race, gender, creed, religion seems to be the way of the world for a long time. Racism is so prevalentRead MoreThe Idol Short Story1728 Words   |  7 PagesThe short stories â€Å"The Idol† by Adolfo Bioy Casares and â€Å"Axolotl† by Julio Cortà ¡zar address the notion of obsession, and the resulting harm that can come from it. Like all addictions, obsession makes one feel overwhelmed, as a single thought comes to continuously intruding our mind, causing the individual to not be able to ignore these thoughts. In â€Å"Axolotl†, the narr ator is drawn upon the axolotls at the Jardin des Plantes aquarium and his fascination towards the axolotls becomes an obsession. InRead MoreGothic Short Story1447 Words   |  6 Pages The End. In the short story, â€Å"Emma Barrett,† the reader follows a search party group searching for a missing girl named Emma deep in a forest in Oregon. The story follows through first person narration by a group member named Holden. This story would be considered a gothic short story because of its use of setting, theme, symbolism, and literary devices used to portray the horror of a missing six-year-old girl. Plot is the literal chronological development of the story, the sequence of events

Benefits and Challenges of Play Therapy Essay - 2275 Words

Play is a way for children to learn about their environment and how interaction occurs within. It is through trial and error that children are able to create options; follow their own interests and show â€Å"independence in thought and actions† using their knowledge and understanding (Moyles, 2005, p.3). Children develop resilience though play. However for a number of children can experience stressful occurrences during their lives and play can often be restricted. Therefore the play worker’s role in supporting children’s play is a crucial measure towards childrens development. For those that work with children require the dexterity to prompt and contribute to children’s play, which can be seen as a principle aspect of therapeutic alliance.†¦show more content†¦In addition to play promoting pleasure as well as physical activity, play forms the holistic growth in children’s development, or to put it in another way using Brown (2003) acron ym, acknowledged as ‘SPICE’; play represents the ‘social interaction’; ‘physical activity’; ‘intellectual stimulation’; creative achievement and emotional stability, (with the addition of â€Å"compound flexibility†) in a child’s development. Compound flexibility is the idea that a child’s psychological development occurs using the relationship between his/her environment with the adaptability of the child himself. Thus the flexibility of surroundings and his/her adaptableness can provide children the means to explore; experiment and investigate (Brown, 2003, pp. 53-4). On the contrary, the absence of social interaction and physical activity through the means of play can inhibit children’s overall development and without the consistency of play children suffer a â€Å"chronic lack of sensory interaction with the world, [which leads to] a form of sensory deprivation† (Hughes, 2001, p.217 in Lester and Maudsley 2006). Research conducted by Webb and Brown (2003) into the effects of hospitalised children ranging from between the ages of one to ten years has ascertained that for these children who have been neglected with limited social interaction, were compared to Harlow’s 1960s research into neglected and social isolatedShow MoreRelatedThe Integrative Intervention Model Of Child Based Play928 Words   |  4 Pagesintervention model of child-based play is an effective method in which therapists should use when treating families. Recent research concludes that the â€Å"integration of children and families involved in counseling will benefit the family when all family members are present† (Wehrman Field, 2013). Results of this method of therapy provide therapeutic change for families in their communication and relationships. Examples of play-based activities that can be used in family therapy include puppets, dolls,Read MoreWilderness Therapy : An Alternative Therapy1442 Words   |  6 PagesWilderness Therapy The wilderness is a place known for peacefulness and can have physical and psychological benefits (Hassell, Moore Macbeth, 2015). Wilderness therapy is an alternative therapy, influenced by Outward Bound, which is an outdoor education company with programs for youth and adults. (Hoag, Massey, Roberts, Logan, 2013). Wilderness therapy combines group work, reflection, challenges and trust building exercises, varied length, and clinical assessment (Russell, 2001). WildernessRead MoreThe Benefits and Challenges of Developing Play/Leisure Activities 997 Words   |  4 PagesAll children have a right to play; (Article 31, United Nations Convention on the Rights of the Child) it can provide knowledge in their understanding of their environment. Play is a way for children to learn about their environment and how interactions occur within it. Children’s buoyancy develops through play, however, some children may experience stressful occurrences during their existence, and therefore , the adult’s role in facilitating a child’s play is a crucial measure towards that childsRead MorePhysical Therapy Is A Growing Field Of Interest In College1363 Words   |  6 PagesPhysical Therapy is a growing field of interest in college students in today’s time. College students desiring to go into this field have to know a lot of things. Not only do they need to know about the tedious amount of schooling that it takes to become one, but they need to know that the field requires schooling/ classes, even after they have become a physical therapist, so they can stay qualified. The career field of physical therapy is constantly evolving and with that constant change withinRead MoreTherapies For Autistic Children.Individuals Take For Granted1678 Words   |  7 PagesTherapies for Autistic Children Individuals take for granted the luxury of embodying qualities such as communication, interaction, and social and motor skills. Although, individuals may determine the aforementioned skills are more difficult to obtain because of a disability. Autism or autism spectrum disorder is a developmental disorder that effects many children in the United States of America. Communication, interaction, and motor and social skills are usually effected in the autistic child. Read Moreexample of a critical review 1134 Words   |  5 Pagesï » ¿PL4S111 Example: Critical Review of a Journal Article Article: Carroll, J. (2002). Play Therapy: the children’s views, Child and Family Social Work, 7, pg 177-187 This article is recent, published within a peer-reviewed journal. The author-conducted research is empirical, qualitative and phenomenologically designed, uniquely enabling children to describe their play therapy experiences and identify factors that influence these experiences. The article’s title clarifies the project’s purpose of elicitingRead MoreDirect Access For Physical Therapy1442 Words   |  6 PagesDirect Access: A Benefit to Human Society Authors Emma K. Stokes and Tracy J. Bury state Attaining professional autonomy is a high priority for physical therapists and their professional organizations (Global View 450). According to the World Confederation for Physical Therapy, it has been proven that patients are able to receive services from physical therapist without getting a referral from other healthcare professionals (450). This topic has not only raised concern within the country butRead MoreA Research Study On Physical Therapy1484 Words   |  6 Pagesthat has been conducted on the therapeutic partnership, and researchers have discovered a wide array of challenges in forming these relationships. These challenges are especially true among physical therapists and their patients. Patients in physical therapy experience their own challenges like temporary, chronic and permanent states of pain and disability (Sargeant Newsham, 2012). Physical therapy patients are already in very vulnerable state and may be reluctant to form partnerships with their therapistsRead MoreThe Role Of Play Therapy On Trauma Victims1274 Words   |  6 Pagesgreat challenge over time. Therapy can help give children the opportunity to express their feelings through play. According to the Association for Play Therapy (2002), play therapy is a systematic use of a theoretical model to establish an interpersonal process in which trained play therapists use the therapeutic powers of play to help clients prevent or resolve psychosocial difficulties and achieve optimal growth and development. Although various studies have been conducted in regards to play researchRead MoreInterpretation in The Deaf Community Essay1391 Words   |  6 PagesThe use of psychological therapy or what is sometimes referred to as â€Å"talk-therapy† has proven to be effective in helping many people cope with life issues. For most hearing people, once the decision to seek help is made, it is a simple matter of showing up to a therapy appointme nt or walking into a clinic and asking for help. However, for the Deaf culture finding accessible and Deaf-friendly services can be a challenge producing little results. Currently this issue is addressed through the use of

Reconstructing My Glory for Missionary School - MyAssignmenthelp

Question: Discuss about theReconstructing My Glory for Missionary School. Answer: For a long moment, I sat desperately in my usual appearance in the busy streets of Australia. I had hardly moved from my normal residence' for now more than six years. Friends came and disappeared. Obviously, they had discovered better places to spend the rest of their lives. For me, this would remain my homestead till when the reaper would take my soul. I had lost hope for life, and nothing seemed meaningful to me. Days seemed to be longer than ever before. The environment had ceased to be friendly to me a long time ago. I stayed in the land owned by the lucky and presumably I was as well their property. Who was I to complain? Lifeless things were of much value than I could be. I had no rights. And even if I had them, where would I go to appeal for them. Let me say I was content with my status and I had nothing totally to complain about. It all started at a missionary school where I was enrolled for a more advanced learning after successfully completing my basic education. It was a fine Friday evening, and everyone was sound asleep, tired of the days activities. HELL: it was here. Who said that we have to die to experience hell? Hell Came. The sky looked perfectly stylish with all colors. More beautiful than the rainbow. There was no time to admire the newly formed Sky at the moment. We all ran for our lives. Screaming, wailing, weeping and crying blended the normal silence in the school compound. Innocent souls ignited, buildings fall and valuables smoldered in the fire. Nobody cared for what was left behind. Run.Run ..Let your legs carry you to the nearest rescue center. Everyone was determined to get away from the Armageddon. Finally, the morning came. Anxiety, fear, cold and loss burnt my heart. I was all alone in a big city. Where had the other schoolmates disappeared to? My life was safe but in a very new environment. I had no friends, no relatives, and no nothing. It was a total crisis. Where could I possibly find rescue? Considering the existing circumstances, nobody would accept to host a stranger at their home. However, I was hardly the type that would easily give up. I had approached several faces seeking their help, but they were all afraid of keeping me. Did I look like a mischief? Why did they decline my humble and sincere request? I had always been a good boy both at school and at home. But how could they validate this? We all have this innocent look, especially when troubled. Who was I to be exceptional? I had hardly eaten anything for three days. My efforts for tracing my hood had borne no fruits. Because I was from the village, I would never get back home from these confusing streets of the city. Every place looked alike for a village fool like me. My identity would barely be harnessed as well. If my memory serves me right, my father was just nobody in the village. Precisely, we had no surname.' My relatives were equally submerged in the village, and their names were never heard of in the city. In a couple of months, I had forgiven myself and lead the normal ways of life in the city streets. I acquired some few requirements for my newly established home and was at peace. It was easy. I only collected some few cartons, and this would make a good home for me. I had become a street child, and forever I would be. I adopted the new lifestyle with the help of some few colleagues. It is at this spot that has always sat for the past six years. I have always spent the long days murmuring endless prayers to my God. Stretching my thin arms to pick proffered gifts from the by-passers. Feasting on the glimmering, colorful, dancing neon lights emanating from the formal structures of the city. Feeding on the delicious world cuisine announced by the neon lights. What an impressive meal to my eyes! It is this normal spot that I sit to watch my next luck. My hands are always outstretched to receive all the offers given as well as those that mercifully come to my rescue. Watching at the strangers from all races hopefully. What do I owe them anyway? It is their will to give but not a duty. The world has been so unfair to me yet am still not out to revenge. And if I was to revenge, who do I revenge on? Who can be blamed for my misfortunes? Mmmmmh everyone is responsible. Today I have to take action on those insane creatures at my sight who pass blindly without recognizing m y presence. Yes, I have to face them. Those insensible, merciless women who pass by wiggling and swinging their behinds pretending to be late for business meetings. They will at least feel my presence today. I have to regain my joy. I have to recover my lost glory. I have to possess the joy of the world the other people share in. I can no longer stand the street life. I need to establish a great foundation for my generation. Yes, I have an obligation to. In my mission of disciplining' the world, I bump into a fairly, tall lady who seems to be disappointed in something. She stops me, starts a conversation and what transpires next is all nightmare to me. She requests me to have a dinner with me something which I am hesitant into accept. I have a mission to attend to before me. What is of more worth? I reluctantly decide to follow her. I feel betrayed. Perhaps, I should run away from this woman.

A Practical Guide of Financial Ratios - Free Solution

Question: Describe about the Financial Ratios for A Practical Guide? Answer: Introduction Tesco and Sainsbury are one of the well known retail organizations in UK. Both the companies are listed in the London stock exchange (Tesco.com, 2015). Both the supermarkets focus on the grocery segments. A brief comparison of the financial performance of both the companies has been done in terms of profitability and return to the investors. The companies have diverged their business from the grocery segment to the non food items, clothing, insurance and banking services (Sainsburys.co.uk, 2015). The data of 5 years of both the companies has been collected from the financial report. The profitability and investors performance of Tesco and Sainsbury has been analyzed from the year 2010 to 2014. A brief idea of the financial performance of both the companies has been obtained. It will serve as a tool for the make their investment decisions in these companies. Profitability analysis Profitability ratios measure an organization's ability to gain profit from the sales. As profits are utilized to reserve capital use and pay profits, these measures will be imperative to experts and nearly observed as far as industry correlations. Different profitability ratios to be considered are Gross Profit Margin and Net Profit Margin. Overall revenue considers income less the expense of merchandise sold. An organization's terrible net revenue might likewise be seen as an estimation of creation effectiveness. An organization with overall revenue higher than that of its rivals, or the business normal, is esteemed to be more effective and is subsequently, taking all things into account, favored. Net overall revenue considers the net pay once all expenses are uprooted. With this, the edge could be seen as controlled by a scope of variables including rivalry or increasing expenses (Lee, 2006). In the present study the profitability of Tesco and Sainsbury has been analyzed for 5 years. The profitability has been analyzed from the year 2010 to 2014. This will help to judge the performance of the company in the subsequent years. The profitability analysis of Tesco from the year 2010 to the year 2014 has been done using the following ratios (Tesco plc, 2015). Tesco Profitability Analysis 2010 2011 2012 2013 2014 Gross profit margin (Sales - COGS)/Sales 8% 9% 9% 5% 5% Net Profit margin Net income after tax/Sales 6% 7% 7% 0% 2% Return on Assets Net income after assets /Total assets 5% 6% 6% 0% 2% Return on Capital Employed Earnings before interest and tax / Capital employed 15% 17% 17% 11% 12% Gross Profit Margin The gross profit margin indicates the profit margin of the company over the sales. The cost of goods sold is deducted from sales to get the value of revenue. The gross profit of Tesco from the year 2010 to 2014 has been fluctuating. The profit margin of the company was increasing till 2012. The profit margin declined from 2012 to 2013. The margin of gross profit stagnated to 5% in the year 2014 (Tesco plc, 2015). Net Profit margin: It indicates the profitability of the company from sales. The profit of the company after payment of taxes is considered as net profit. The analysis of the net profit margin of Tesco shows that the net profit margin was increasing till 2012. There was a sharp decline in the net profit in the year 2013 due to huge burden of tax. There was no profit gain from sales in the year 2013 after payment of taxes. The net profit margin increased to 2% in the year 2014 (Businessweek.com, 2015). Return on Assets: The return of the company on investment in assets is determined by the return on assets ratio. The return on assets for Tesco has been rising till 2012. A sharp decline of ROA was seen in the year 2013 and it increased to 2% in the year 2014. Return on Capital employed: The return on capital employed ratio determines the earnings of the company from the capital employed by the organization. The return on capital employed for Tesco has been increasing from the year 2010 to the year 2012. There was a sharp decline in the ratio in the year 2013 from 17% to 11%. The ROCE increased to 12% in 2014. The major reason behind the decline of the profitability of Tesco from the year 2012 to 2013 is the existence of tough competitors in the market. The competitive edge of the company has reduced and it has to revive its strategy of business to regain its position in the International market and home market (redmayne.co.uk, 2015). Sainsbury Profitability Analysis 2010 2011 2012 2013 2014 Gross profit margin (Sales - COGS)/Sales 4% 4% 4% 3% 4% Net Profit margin Net income after tax/Sales 3% 3% 3% 3% 3% Return on Assets Net income after assets /Total assets 5% 6% 5% 5% 4% Return on Capital Employed Earnings before interest and tax / Capital employed 12% 12% 11% 11% 12% The profitability analysis for Sainsbury for 5 years from the year 2010 to 2014 has been done using the following ratios. Gross profit margin: The gross profit margin for Sainsbury shows that the profit margin of the company on sales has declined in the year 2013. However the profit margin has been stable to 4% in the year 2010 to 2012 and 2014. Net profit margin: The net profit margin of Tesco has remained steady from the year 2010 to the year 2014. It has maintained a standard level of 3% throughout the 5 years (J-sainsbury.co.uk, 2015). Return on Assets: The return on assets from Sainsbury has declined from the year 2010 to the year 2014. It shows that Sainsbury is not being able to utilize the assets efficiently to generate profit (Businessweek.com, 2015). Return on capital employed: The return on capital employed for Sainsbury has been 12% till 2011. It has declined in the year 2013. However it has regained its position and maintained its standard level of 12% (redmayne.co.uk, 2015). Investors performance indicator analysis Price -earning (P/E) ratio is normally utilized while taking venture choices by numerous speculators. P/E proportion is the degree between the business sector cost and income every offer. The proportion shows the business sector cost of an offer versus its income. As per one perspective, bring down the P/E degree, the better it is for speculators, as there are possibilities of higher appreciation. The higher the P/E, the more is being paid for an expected stream of profit. Financial specialists normally are ready to pay a higher P/E for organizations they judge will be becoming quicker than the standard despite the fact that they don't pay those income out in profits however hold them to reserve future development. The cost of the organization's stock typically becomes quicker than the cost of an organization with a slower development or higher profit paying organization. In this way, the higher P/E produces more noteworthy upside potential (Baker Powell, 2005). Tesco Investor's performance indicator analysis 2010 2011 2012 2013 2014 Price Earnings Ratio Stock price per share / Earning per share 13.2 11.1 7.9 11 10.4 Dividend Yield Ratio Dividend per share/ Price per share 3.1 3.6 4.6 4 4.4 Return on Investment Earnings per share / Market price of share 7% 9% 13% 5% 9% The investors performance indicators from investment in Tesco have been assessed by the following ratios. The analysis has been done from 5 years from 2010 to 2014. Price-Earnings Ratio The price earnings ratio indicates the earning of share holders on the investment on a single share. The price earnings ratio for Tesco has been fluctuating. The earnings of the share holders have declined in the year 2012 to 7.9 from the year 2011 which was 11.1. The decline of the price earnings of Tesco has been due to the decline in the Profitability of the company in the year 2012 from the previous year. Dividend Yield Ratio The ratio measures the dividend earned by the investors on the price paid by the investor. The dividend yield on investment in the shares of Tesco has been increasing. The yield has been highest in the year 2012. This shows that the company has been paying regular dividend to the share holders. Return on Investment: The ratio measures the return of the share holders on the investment in the share. The return on investment in the shares of Tesco has been highest in the year 2012. The ROI has declined in the year 2013 with a increase in ROI in the year (Financials.morningstar.com, 2015). Sainsbury Investor's performance indicator analysis 2010 2011 2012 2013 2014 Price Earnings Ratio Stock price per share / Earning per share 13.9 13.2 10.8 11.8 9.6 Dividend Yield Ratio Dividend per share/ Price per share 4.3 4.3 5.3 4.6 5.5 Return on Investment Earnings per share / Market price of share 10% 10% 10% 8% 14% Price Earnings ratio The price earnings ratio for Sainsbury shows that it has been fluctuating. The price earnings ratio has declined in the year 2014. Dividend Yield The yield in the form of dividend on investment in the share of Sainsbury has been increasing. It has increased from the year 2010 to the year 2014. The highest yield has been in the year 2014. Return on Investment The return on investment for Sainsbury has declined in the year 2013 from the previous years. There was increase in the ROI in the year 2014 from 2013 , it raised by 6% (Financials.morningstar.com, 2015). Comparison and contrast of the profitability Tesco Profitability Analysis 2010 2011 2012 2013 2014 Gross profit margin (Sales - COGS)/Sales 8% 9% 9% 5% 5% Net Profit margin Net income after tax/Sales 6% 7% 7% 0% 2% Return on Assets Net income after assets /Total assets 5% 6% 6% 0% 2% Return on Capital Employed Earnings before interest and tax / Capital employed 15% 17% 17% 11% 12% Sainsbury Profitability Analysis 2010 2011 2012 2013 2014 Gross profit margin (Sales - COGS)/Sales 4% 4% 4% 3% 4% Net Profit margin Net income after tax/Sales 3% 3% 3% 3% 3% Return on Assets Net income after assets /Total assets 5% 6% 5% 5% 4% Return on Capital Employed Earnings before interest and tax / Capital employed 12% 12% 11% 11% 12% Comparison of Gross profit Margin of Tesco and Sainsbury Comparison of Net profit Margin of Tesco and Sainsbury Comparison of Return on Assets of Tesco and Sainsbury The comparison of the profitability of Tesco and Sainsbury for the year 2010 to the year 2014 shows that the gross profit margin for Tesco has been relatively higher than Sainsbury. While there has been significant decline in the gross profit for Tesco in the year 2013 and 2014 but it was higher than that of Sainsbury. The comparison of net profit margin shows that for Tesco it has declined sharply in the year 2013. But in the other years it was higher than Sainsbury. On the other hand, the net profit margin has been constant at 3% throughout the five years. The comparison of the return on assets shows that there was a sharp decline in return on assets in the year 2013. But it recovered from the decline in the year 2014. The return of assets for Sainsbury has remained fixed. The return of capital employed for Tesco and Sainsbury for the five years has shown similar movement (Diegelmann Deter, 2005). Comparison and contrast of investor performance Tesco Investor's performance indicator analysis 2010 2011 2012 2013 2014 Price Earnings Ratio Stock price per share / Earning per share 13.2 11.1 7.9 11 10.4 Dividend Yield Ratio Dividend per share/ Price per share 3.1 3.6 4.6 4 4.4 Return on Investment Earnings per share / Market price of share 7% 9% 13% 5% 9% Sainsbury Investor's performance indicator analysis 2010 2011 2012 2013 2014 Price Earnings Ratio Stock price per share / Earning per share 13.9 13.2 10.8 11.8 9.6 Dividend Yield Ratio Dividend per share/ Price per share 4.3 4.3 5.3 4.6 5.5 Return on Investment Earnings per share / Market price of share 10% 10% 10% 8% 14% Comparison of Price-Earnings Ratio of Tesco and Sainsbury Comparison of Dividend Yield Ratio of Tesco and Sainsbury Comparison of Return on Investment Ratio of Tesco and Sainsbury The price earnings ratio for Tesco and Sainsbury shows that the earnings of the shareholders on investment in the shares have been fluctuating. Both the companies show a decline in the P/E ratio from the year 2013 to 2014. However the earnings shareholder of Tesco has been higher than that of Sainsbury (Bull, 2007). The dividend yield ratio of Tesco and Sainsbury for five years shows that the dividend yield of Sainsbury has been higher than that of Tesco. The return on investment for Tesco and Sainsbury shows that the ROI for Tesco and Sainsbury has been fluctuating with the fluctuations in the share price of the companies. But the ROI has been higher for Sainsbury than Tesco from 2010 to 2014 (Tracy, 2012). Conclusion and recommendations The profitability analysis and investors performance analysis of Tesco and Sainsbury for the past 5 years shows that the profit margin of both the companies has been declining from 2010 to 2014. The variation in the profitability led to the fluctuations of the return of the investors. 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