Financial market is important for Savers and Borrowers

Financial market is important for Savers and Borrowers What is financial markets and why it is important for savers and borrowers? Financial market is a system that includes an individuals and institutions, and procedures that together borrowers and savers and it is no matter where is the location between the savers and borrowers. The main role for financial market is to facilitate the funds from the individuals and business that have the majority fund to individuals, business, and governments to fulfill their needs of income. Financial institution is a process that used by organization which providing various types of financial services to their customers. The government authorities has controlled and supervised the institution according to the rules and regulations. Financial institution is giving different type of economic ideas for an organization to carry out their business. Financial institution is an establishment that gives as the financial services. Financial institution based on bank, credit unions, asset management firms and m ore. They are responsible for distributing of the financial resources in a planned way to the potential users. Financial institution can be categorized as Deposit Taking Institutions, Investment Institutions, Pension Providing Institution, Risk Management Institution and more. Financial markets have five type markets their money market, capital market, debt market, equity market and derivative market. Money market is the market that maturities less than one year and provide liquidity to the market place. Capital market is transfer income to the future year, for example home mortgages. Debt market is an financial market for give loans. Equity market is identifying the financial market in which corporate stock are traded. Derivative market is a market the right to sell in the future at a price set today. Their three different ways for transferring capital or fund from savers to borrowers in the financial market their direct transfer of, investment banking house and indirect transfer ( financial intermediaries). This three different way of transferring are taking a major part in the business environment know days for increase the capital of a business or governments to do their project and they will improve their economy of their country. Direct transfer is one of the ways of transferring capital from saver to borrower in the financial market. Direct transfer takes place when an organization sells their goods or bond directly to the savers without going through any other ways of financial institutions. The business gives their securities to the savers and the savers who getting the securities must give the money to the business when the business need. The diagram below is showing the direct transfers process. Direct transfer is giving the borrowers a direct way to get their saver to capital their money in to the borrowers business. In this direct transfer the savers dont have any interrogation from investment banking house or financial intermediaries when they investing their money in to the borrowers business. For an example an organization is willing to start up a new product in their productivity and they dont have much capital to start up the new productivity so the organization will ask the investors or savers to give some funds to start up their new productivity and after they produce their product and they will sail the product. After that they will give the amount that was given by the he savers with the dividend from the profit that the borrower earns according to how much the saver capital in the business. An advantage for direct transfer is the dialing and the transaction will be known by the borrower and the saver. They dont have any interrogation from investment banking house or financial intermediaries so the borrower can get more capital from the saver and for saver he will get more dividend after the borrower gain his profit. The disadvantage for direct transfer is if the borrower is get the money from the saver and the business was faller the saver wont get any money from the borrower because the business is in lost. Or other disadvantage is if the saver gives the money to the borrower and the borrower tack the money and he can cheat the saver. The saver cant get any help from other authorities because they do direct transfer. Investment Banking House is also another way of transferring capital or found from savers to borrower in the financial market. Investment Banking House is underwrite and distributing a new investment security and help the business obtain financial by an organization. The issuance of securities will middleman and facilitates by the underwriter saver. The organization will sells the stock or the bond that they have to the investment bank and the investment bank will sells the same securities to the savers. The diagram below is showing the investment banking house process. Investment banking house is giving the opportunity to the saver to identify which investment is better for them to gain benefits and for borrowers they dont need to worry about finding their saver because the investment banking house will give the investor or saver to the borrower to invest capital to do their business. After the business got the profit the borrower will give the money to the investment banking house and they will give the money to the savers by adding the dividend. And for the investment banking house they will get their income from the both borrower and saver because they are the medal person how identify and give the good borrower for saver and a good saver for the borrower. The advantage for investment banking house is they will identify a good borrower for the saver to invest and they also have more than one investment plane for the savers. For borrowers they dont need to worry about to find their saver because the investment banking house will get the saver for the borrower so the both party will have lesser work compare to direct transfer. The disadvantage is for the investment banking house is if the borrower didnt get the profit from the business so the borrower can give the amount that invest by the saver, so the investment bank house not responsible for that. They wont give any money to the saver. Financial intermediaries Financial intermediaries are the thread way to transferring capital in to financial market. Financial intermediaries specialized financial firm that facilitate the transfer of funds from saver to borrower for a capital for his business. Financial intermediary can identify as a bank. It will create a new financial product to simply transfer money and securities between the borrowers and the savers. The diagram below is showing the financial intermediaries process. The financial intermediaries will tack the capital or fund from the saver who invest to them and they will give their own capital to their borrowers. For example saver give 3milion to the financial intermediaries and the borrower want a capital of 2milion to do his business, so the financial intermediaries will give the lone to the borrower by adding his own inters rate to the borrower. After the business get the profit the borrower will give the money and inters to the financial intermediaries and then the intermediaries will give savers the capital by adding sum inters as a profit for the saver. So the financial intermediaries will get their profit from the inters that they set for the borrower and the give the sum of the inters to his saver. The advantage financial intermediaries are both the saver and the borrower are control by them. They will fix the lone for the borrower and they have the statement of savers ho invest their money to them. Also if the borrower cant give the amo unt that he borrows from them the saver will get his capital. The disadvantage of financial intermediaries it will tack a long term to get the profit for the saver because the intermediaries is using the savers money to give more than one borrower to do their business, so when the borrowers give the money to them then only they can give the hole amount to the saver. Conclusion Financial market is helping the saver and borrower gain more profit. It also helping our country to become stable and giving a good position in economic compare to other country because if savers give more capital to the financial market the can used as a capital for borrowers to do their business to gain more profit to all of them, with this the saver get his profit, the borrower gets is profit, financial market sector can get their profit and the government can improve the economics of the country in higher level. It also give more inters to other country to inverse sum capital or business to improve our standard of life style.

The Rivers Of France :: Geography France Rivers Water Essays

The Rivers of France The Rhà ´ne system The Rhà ´ne is the great river of the southeast. Rising in the Alps, it passes through Lake Geneva (French: Lac Là ©man) to enter France, which has 324 miles of its total length of 505 miles. At Lyon it receives its major tributary, the Saà ´ne. In eastern France the direction of the main rivers is predominantly north-south through the Alpine furrow. The regime of the Rhà ´ne is complex. Near Lyon the Rhà ´ne and its important Isà ¨re and Drà ´me tributaries, draining from the Alps, have a marked late spring-early summer peak caused by the melting of snow and ice. While this peak is generally characteristic of the river as a whole, it is considerably modified by the contribution of the Saà ´ne, of the Durance, and of some tributaries in the Mediterranean south as a result of the fall-winter rainfall peak. Thus the powerful Rhà ´ne has a remarkably ample flow in all seasons. The course of the river and the local water tables has been much modified by a series of dams to gener ate power and to permit navigation to Lyon. The Rhà ´ne also supplies cooling water to a series of atomic power stations. West of the Rhà ´ne, the Bas Rhà ´ne-Languedoc canal, constructed after World War II to provide irrigation, has proved to be an essential element in the remarkable urban and industrial development of Languedoc. East of the Rhà ´ne the Canal de Provence taps the unpolluted waters of a Rhà ´ne tributary, the Durance, supplying Aix-en-Provence, Marseille, Toulon, and the coast of Provence with drinking water and providing impetus for urban expansion. At its delta, beginning about 25 miles from the Mediterranean, the Rhà ´ne and its channels deposit significant amounts of alluvium to form the Camargue region. The Rhine system The Rhine forms the eastern boundary of France for some 118 miles. In this section its course is dominated by the melting of snow and ice from Alpine headstreams, giving it a pronounced late spring-summer peak and often generally low water in autumn. The Ill, which joins the Rhine at Strasbourg, drains southern Alsace. The Rhine valley has been considerably modified by the construction on the French side of the lateral Grand Canal d'Alsace, for power generation and navigation. The eastern Paris Basin is drained by two tributaries, the Moselle, (partly canalized), and the Meuse; the former reaches the Rhine by way of Luxembourg and Germany, and the latter, as the Maas (Dutch), reaches the Rhine delta at the North Sea by way of Belgium and The Netherlands.

Allusion in Romeo and Juliet

Shakespeare uses allusion in the play Romeo and Juliet to reinforce the themes of young love and youth being impetuous. Throughout the play Shakespeare uses allusion to reinforce these themes by putting in myths that have tragic ends much like the end of the play. One myth that Shakespeare uses in the play many times is Cupid and Psyche. Cupid is the Roman god of love. The myth of Cupid is that there was a king that had three daughters and each of them was beautiful but not as much of the youngest Psyche.She was so beautiful that she left the altars of Venus, Cupid’s mother, deserted. Venus then sent out Cupid to punish Psyche for distracting all the men from her and make her fall in love with a hideous man. Instead, when Cupid sees Psyche he shoots himself with the arrow and falls in love with her. Psyche is never allowed to see Cupid but they marry. One day her sisters told Psyche that Cupid was actually a serpent and tells her to sneak a look. When she does this she realize s that Cupid is actually beautiful and Cupid leaves and says he will never see her again.After this Psyche begs for Venus to let her see Cupid again and Venus makes her do almost impossible tasks but succeeds them. After this Cupid asks Zeus to give her immortality so she will not distract mortal men from Venus. The mythical reference of Cupid and psyche refers to love at first sight between Romeo and Juliet. Cupid has the power to make anyone hit with his arrow to love the next person they see. Romeo and Juliet feel that they were both pierced by Cupid’s arrow when they met. This allusion refers to the theme, love at first sight.This theme is seen in the book as a very powerful theme because over the course of a week Romeo and Juliet create an immense love for each other that cannot be matched. That is how this allusion drives the theme of the play. Another myth that Shakespeare uses in the play is that of Phoebus and Phaeton. The myth of Phoebus and Phaeton is that a young boy who was the son of Phoebus thought he could do anything and was very impatient. One day the children at his school made fun of him and told him he couldn’t do everything.He went home to his mother and asked if he could do everything and she said yes because he was the son of the sun god Phoebus. She then told Phaeton to go ask Phoebus if he could do everything. He went to him and asked if he could do everything. Phoebus then promised him to let him do anything he wanted to try. Phaeton said he wanted to drive the chariot of the sun for one day. Phoebus then tries to get Phaeton to try something else but he refuses. He then goes on to say he will drive the chariot.Immediately after getting into the chariot Phaeton loses control of the horses because they knew it was not their master and did what they pleased. After a while of the horses wreaking havoc on the earth, Zeus struck down Phaeton and killed him and the horses immediately stopped. The allusion to Phaeton and Phoeb us helps drive the theme that youth is impetuous. The reason why this allusion supports one of the themes of the book is because in the play Romeo and Juliet both never thought about what they were about to go through with and how it might affect their lives.In the myth Phaeton never realizes that his father may be right in not letting him ride the chariot because it is extremely dangerous to someone with no experience. All of the characters in the story that were impetuous had early demises because of there impulsivity and having no regard of the repercussions of what may happen to them. Impetuousness also led to the demise of Tybalt and Mercutio in the play by them not thinking of the dangers if they fought. Those are the reasons why the allusion drives the theme of the play.Another allusion that Shakespeare uses in the play is the myth of Echo and Narcissus. The myth of Echo is that she is a nymph who loves to talk and is always talking and always has to get the last word in. One day Hera casts a spell on her so that she can only get the last word and says exactly what the person said and can never be the first. In one myth Echo meets Narcissus whom she falls in love with at first sight. Narcissus has a spell on him in which he cannot love anyone but himself. Echo tries to make contact with him but only annoys him because she repeats everything he says.When one of the nymphs prays to the avenging goddess to let Narcissus feel what it’s like to have affection but not have it returned. When he goes to drink water he sees his reflection and never leaves it because it is too beautiful. After gazing at it for a long time he dies. After he dies Echo goes into a cave until she dies. The allusion to Echo and Narcissus drive the theme of love at first sight. The reason why that theme is supported by the myth is because as soon as Echo saw Narcissus she loved him. If Narcissus wasn’t so in love with himself he may have loved her back.But in the end Echo and Narcissus both died for a love that wouldn’t happen and was cursed from the start. In Romeo and Juliet this is seen because Romeo and Juliet both loved each other but there love was forsaken because of there different families and flaws in there personalities. Juliet also says that if Romeo does not want to have her love then she will go into a cave and die there as Echo did. Another allusion that Shakespeare uses in the play is the one of Aurora, the goddess of dawn. The myth of Aurora is that she falls in love with the son of the king of Troy.She asks Zeus to grant him physical immortality in which he would live forever but he would still age. After he had lived far passed that of a normal mortal should have he lost the power to use his limbs. After he became extremely weak Aurora turned him into a grasshopper. The myth of Aurora helps drive the theme of love at first sight because she fell in love with Tithonus and always loved him even when he was a grasshopper and a n old man. In the play Romeo did not get out of bed because Rosaline had rejected him and he didn’t want to leave his room and he tried to create night in the daytime because he was depressed.After he met Juliet Romeo became extremely happy and this shows the theme of youth being impetuous also because he got over Rosaline so quickly. That is how the allusion helps drive the themes from the book. Once last allusion that Shakespeare in the play is the myth of Hermes. The myth of Hermes is about a messenger who was born by Jupiter and a mortal woman. He goes on to steal cattle from the sun god Apollo very sneakily. Apollo tells Zeus about this and then Hermes has to give them back. Apollo later goes on to forgive him and Hermes makes a lyre for him.After he grows up he is assigned to lead dead souls into the underworld. He was also promoted to watch Apollo’s herds when he was younger. This allusion supports the theme youth is impetuous because in the play to show that Ro meo wants to get the message to Juliet fast that he wants her love. Hermes the winged messenger could do it and get the message to Juliet faster than anyone. Romeo also uses it as a way to show that Hermes is delivering a message to him from heaven that he should be with Juliet. Those are the allusions that help drive the theme of the play.

The Red Badge of Courage Essay - 834 Words

The Red Badge of Courage is not a war novel. It is a novel about life. This novel illustrates the trials and tribulations of everyday life. Stephen Crane uses the war as a comparison to everyday life. He is semi-saying that life is like a war. It is a struggle of warriors#8212;the every day people#8212;against the odds. In these battles of everyday life, people can change. In The Red Badge of Courage, the main character, Henry Fleming, undergoes a character change that shows how people must overcome their fears and the invisible barriers that hold them back from being the best people#8212;warriors, in the sense that life is war#8212;they can be. Henry has a character change that represents how all humans have general sense of†¦show more content†¦He proclaimed to himself that if a squirrel took flight when a rock was thrown at it, it was alright that he ran when his life was on the line. This was a selfish reason for fleeing, in the broad sense. Henry#8217;s fear o f death was a natural human fear that would not work in a war. This is where Henry#8217;s character change took place. In everyday life, humans often go about their natural business not thinking at about what they are doing. Henry, in a sense, represented this in his war efforts. Henry was so busy thinking about death and running and all these selfish ideas about the war that he could not operate as a good soldier. A good soldier is one that goes about fighting, killing, defending and even dying for the cause. These may not be great things, but they are what soldiers do. Henry was the epitome of not doing these soldier#8217;s tasks. In order for Henry to do his job the best, he had to become unthinking. This was a selfless act rather than a selfish act that would benefit the army, rather than hinder it. Once Henry got past his invisible barrier, his fear, he was able to become an unthinking war machine. This is similar to everyday life. For humans to do the best job poss ible, whatever it may be, they must not think. If they think too much about the task at hand, they will become preoccupied with it and fail. This was Henry#8217;s problem; he overcame his fear of death and became the warShow MoreRelatedRed Badge of Courage Essay1030 Words   |  5 PagesLizzy Wood The Red Badge of Courage Essay 11.20.11/6th Hour At times he regarded the wounded soldiers in an envious way. He conceived persons with torn bodies to be peculiarly happy. He wished that he, too, had a wound, a red badge of courage. (Ch.9, Pg. 61) Jim Conklin, Wilson, and the tattered man are not only alike in some ways, but also have differences. The purpose of this essay is to tell you the similarities between the tall soldier, the loud soldier, andRead MoreEssay on The Red Badge of Courage1496 Words   |  6 PagesThe Red Badge of Courage The Red Badge of Courage, by Steven Crane, has been considered one of the greatest war novels of all time. 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