Financial Analysis And Research Of Mutual Fund - 1832 Words

Financial Analysis and Research of Mutual Fund GCEQX The purpose analyses is based on the Green Century Funds. In this mutual fund involves with the environment and has organized with other companies to help the environment. How to support the environment stablility. This will be the reason the investors would use the funds to help society and will be on climate change. The overview of this paper us the GCEQX has a long-term total return, which involves in stocks. The fund uses the environmental, social, government standards to make earth a better way to live. Above all, it would help so many companies. Last, they use the Fossil Fuels Index which contributes oil, gas, and coil. The SRI/BRI mutual fund reviewed is based on the social†¦show more content†¦The Green Century fund involves with going green and they use private companies. Maybe the companies cannot agree to the measure of the standards. The screening process will be the environmental positive impact which includes engineered organisms (GMO), and others. They try to decrease the negative environmental impact for the fossil fuels companies. The rate of return of the GCEQX for five years at 11.04% and for ten years is 6.18%, since inception rates to June 3, 1991. The SP 500 Index for the 5-years are 11.58% and 10-years are 7.01%. To compare with GCEQX and the SP 500 Index are decreasing through those years, but the SP 500 Index is higher in percentage than the Green Century Equity Fund. The Fidelity Spartan 500 Index Fund Class Inv (FUSEX) with the five year return rate of 10.92% and for the ten years is 6.84% and comparing to the mutual fund the percentage is still higher. It is shown in Appendix A as a chart for the comparison. Vanguard FTSE Social Index Fund Investor Shares (VFTSX) has a five year of rate of return are 12.27% and for the ten years are 6.44% and the comparison to the Green Century Equity Fund will be less than the social index fund. For both the five and ten years rate of return are in the 1% of total returns. The mutual fund collaborates with other companies that include in the environment for example Fossil Fuels Index. The mutual fund makes â€Å"about 360 stocks† is greater than the 30 stocks with this

The Long Lasting Effect of Alcohol on The Brain - 1208 Words

â€Å"Each year in the U.S., nearly 80,000 people die from alcohol-related causes, making it the third leading preventable cause of death in our country† (Alcohol Facts 1). Alcoholism is a major controversy in the United States, and many debate whether alcoholism is a disease or choice. Accordingly, based on scientific evidence, alcoholism is a disease because it has major long-term effects on the brain, it is an addiction, and it is treated medically. The first major reason alcoholism should be considered disease is the long-lasting effects it has on the brain. The National Institutes of Health (NIH) recently conducted a study that shows how the brain is affected after chronic alcohol use. They concluded that, â€Å"chronic alcohol exposure†¦show more content†¦Mark Willenburg, director of treatment and recovery research at the National Institute on Alcohol Abuse and Alcoholism stated, â€Å"People with mild to moderate alcohol disorders can be treated with medications or behavioral therapy with a primary care doctor, but many people can do this on their own without having a professional. This idea is teaching people how to reevaluate their drinking†(Roan 2). By saying this Dr. WIllenburg has changed the opinions of many speculators in the nation, but what he has failed to do throughout his investigations is to take a people who exceed the mark for moderate drinking into question. Alcoholism is defined a chron ic disorder marked by excessive and usually compulsive drinking of alcohol leading to psychological and physical dependence or addiction (â€Å"Addiction† 1). The definition of alcoholism alone is enough to show that it is a serious problem, and it should be treated as such. The second reason alcoholism should be considered a disease is because of addiction. Addiction is defined in the Webster dictionary as, an unusually great interest in something or a need to do or have something (â€Å"Addiction† 1). Many other drugs such as marijuana, meth, and heroine are commonly known as highly addictive substance. Alcohol on the other hand is widely forgotten to be one of those substance. In an article titled,† What is Addiction†, Henry R. Kranzier, MD and Ting-Kai Li, MD looked further into what is addiction is reallyShow MoreRelatedLong Term Effects of Alchool818 Words   |  4 Pages12th Grade Alcohol essay The Long-Term Effects of Alcohol Use Alcohol is primarily absorbed through the stomach and the small intestines. 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Marketing Audit For Toowoomba Chamber Of Commerce

Question: conduct a Marketing Audit that includes an analysis of the internal and external factors that will be relevant to the development of a marketing strategy for the Toowoomba Chamber of Commerce. Answer: Executive Summary In Australia, Toowoomba Chamber of Commerce is the most famous chamber. Therefore, this report reflects the marketing audit report of Toowoomba Chamber of Commerce. In order to analyse or marketing audit of Toowoomba Chamber of Commerce, explain the overview of organisation. Analyse the internal and external environment using PESTEL, SWOT and TOWS analysis tools. Apart from that, this report describes the target market, customers and stakeholders of Toowoomba Chamber of Commerce. Through this report, it has been seen that Toowoomba Chamber of Commerce faces some problems and analyst also provides recommendation in order to mitigate problems. Introduction Park and Rim (2012) presumed that marketing audit provides the appraisal or review of existing market for business organisation along with their activities. On the other hand, Herbst et al. (2011) noted that marketing audit analyse the whole market for organisation with the activities and assess the present as well as past performance of the company. Based on marketing audit, management of the firm is able to evaluate possible actions for future success and long-term sustainability. Soldic-Aleksic and Rakic (2012) explained that marketing audit is very important for attaining success and long-term sustainability because external as well as internal environment of business change continuously. Therefore, with the consent of update, business firm has to reflect changes of external environment within their internal organisational process. This report represents the marketing audit report for Toowoomba Chamber of Commerce. The company currently run their business in Australia. The company mainly provides guideline on behalf of protecting business interests for secure future to community. This report represents the internal and external market audit for Toowoomba Chamber of Commerce and summarised the main point of overall strategic approach Section 1: Organisational Overview In 1899, Toowoomba Chamber of Commerce started their journey in business environment. However, Toowoomba Chamber of Commerce shows their keenness that encourages business. They run their business 114 years with proud history. Apart from that, it has been seen that wide range of committee of Toowoomba Chamber of Commerce operates across the different region of Australia. Purpose The main purpose of Toowoomba Chamber of Commerce is to promote, advocate and link for local business of Australian region with the people (Toowoombachamber.com.au, 2015). Mission The CEO of Toowoomba Chamber of Commerce Ms. Helen Jentz said that they provide networking forum and advocate to the local community of business (Toowoombachamber.com.au, 2015). However, Toowoomba Chamber of Commerce ensures that their member receive high value for business community. Table 1: Mission of Toowoomba Chamber of Commerce Vision The vision of Toowoomba Chamber of Commerce is to influence the formulation of government policy that affect Australian region. Apart from that, Toowoomba Chamber of Commerce tries to gather premier sources for professional development opportunities for the greater Toowoomba business community. According to the CEO of Toowoomba Chamber of Commerce, premier source of professional development can grow along with the growth of membership (Toowoombachamber.com.au, 2015). Thus, they can achieve most effective as well as largest business Chamber in the Australian region. Goals In terms of fulfilling the vision and mission, Toowoomba Chamber of Commerce develop seven major goals for their future improvement such as Increase membership up to 1000 members within five years. Proactive in utilising members experience and promotions Improve the system of advocacy for business Regular review and update of constitution Improvement of future leaders Improve collaboration with organisations Influence government and council according to the local business within Australian region Section 2: Environmental Scan The current environment of Toowoomba Chamber of Commerce operates largely. Therefore, due to changing environment, the Chamber faced several big picture issues at local and state levels. This section considers the major trends of the Toowoomba Chamber of Commerce by analyzing external audit such as political factors, economical, social, environmental, technical, etc and internal audit such as SWOT and TOWS analysis method. 2.1 PESTEL Analysis Political Factors: Political factor was not eco friendly with the organisational process of Toowoomba Chamber of Commerce. The Chamber faced many challenges due to change of Queensland government in 2013. Apart from that, change of councillor Toowoomba also created several issues (Backhaus et al. 2011). Relationship with the councillors and TRC was also low. However, in 2013, Federal Election created lot of troubles for Toowoomba Chamber of Commerce. Political Relationship with Councillors and TRC Queensland government change Change of Toowoomba Councillor 2013 federal election Economical Labour costs and Labour Supply Growth rate of economy of TSBE (Toowoomba and Surat Basin Enterprise) Cost of Capital Australian economy strength Social Joint Venturing Dynamic region of Australia Cross cultural communication Availability of labour force with high skills levels High growth rate of virtual interaction Technological E-commerce websites Advantage of NBN Mobile technology proliferation Transportation network and service access Environmental Infrastructure of local water supply Impact of mining and climate Global warming Farming versus mining Legal Employment law Law of Healthy and safety Law of consumer Table 2: PESTEL Analysis of Toowoomba Chamber of Commerce Economical Factors: Economic helps Toowoomba Chamber of Commerce in order to grow their business. Toowoomba Chamber of Commerce closely related with the Toowoomba and Surat Basin Enterprise (TSBE). However, in 2012, growth rate of TSBE was 7 percent of overall business process (Krstic and Popovic, 2012). Interest rate of service also decreases due to high business cycle stage. Apart from that, labour cost and labour supply has low impact in the economics of Toowoomba Chamber of Commerce. Social Factors: Australia is also known as the social dynamic in their different region. Therefore, it has great impact in the organisational process of Toowoomba Chamber of Commerce. Labour of Australia has high skills level as well as available. This also has high impact on Toowoomba Chamber of Commerce (Smith and Speed, 2011). Cross-cultural communication creates wide range of opportunity for increasing membership to Toowoomba Chamber of Commerce. However, Toowoomba Chamber of Commerce is known as the business-networking organisation (Cant, 2009). Apart from that, Toowoomba Chamber of Commerce involved the strategy of joint venturing with other organisation such as University of Southern Queensland, Toowoomba Regional Council, etc. Technical Factors: Toowoomba Chamber of Commerce developed e-commerce website in order to interact with the members online. It demonstrates that communication technology is high for Toowoomba Chamber of Commerce (Nwankwo and Gbadamosi, 2011). Apart from that, Toowoomba Chamber of Commerce implements mobile technology for communication with other and provide update report of constitution to their members (Malhotra, 2011). However, Toowoomba Chamber of Commerce faced infrastructure challenges due to jet capable airfield and second range crossing. Environmental Factors: Infrastructure of local water supply for Toowoomba Chamber of Commerce is high (Chernev, 2010). However, due to climate fluctuation and global warming, the company faces challenges. Apart from that, Toowoomba Chamber of Commerce has potential impact of both mining and climate on the farming community. Legal Factors: Toowoomba Chamber of Commerce maintain healthy and safety law within their operational process (Beamish and Ashford, 2010). Moreover, they follow the rule of consumer law, employment law and corporation law in their operation. 2.2 SWOT Analysis Strength: Toowoomba Chamber of Commerce runs their business for 114 years with proud. Therefore, long live proven success is the key strength of the organisation (Aaker, 2010). High brand value in establishing business in local community is also strength for Toowoomba Chamber of Commerce (Loudon, 2011). Apart from that, Toowoomba Chamber of Commerce that they are the expert of using Australian business policy such as consumer law, contract law, employment law, corporation law, etc. Figure 1: SWOT Analysis of Toowoomba Chamber of Commerce (Source: Herbst et al. 2011, pp- 971) Weakness: Low membership and representative is the key weakness for Toowoomba Chamber of Commerce (Luther, 2011). Apart from that, new board member of Toowoomba Chamber of Commerce is not able to take regular review and update about continuous change of political environment. Opportunity: In order to increase customer base, Toowoomba Chamber of Commerce adopted the strategy of joint venture and collaborate with other organisation such as Toowoomba Regional Council, Southern Queensland Institute of TAFE and University of Southern Queensland (Mullins, 2009). It will help Toowoomba Chamber of Commerce in increasing membership as well as future leaders. Threats: Lower exposure of committee member of Toowoomba Chamber of Commerce is the major threat (Palmer, 2012). The organisation runs their operation for long time. However, they are not able to attain membership (Paley, 2009). After running the organisation, still they attain only 350 members and 120 leaders. This is also another influential threat for Toowoomba Chamber of Commerce. 2.2 TOWS Analysis Threats: Lesser expertise is the potential threat for Toowoomba Chamber of Commerce. However, Toowoomba Chamber of Commerce has only presence in Australia. Therefore, membership is low. They have not any presence in outside of Australia. Opportunity: New appointed CEO of Toowoomba Chamber of Commerce Ms. Helen Jentz collaborates with other large institute in the different region of Australia (Brodie et al. 2009). It may help in sharing information about the potentiality of organisation. Thus, Toowoomba Chamber of Commerce is able to fulfil their goals within 5 years. Weakness: Base of membership is too much low according the long-term business sustainability of Toowoomba Chamber of Commerce. Moreover, majority of representatives or leaders are new (Bates, 2009). Therefore, they find difficulties in terms of providing update constitution to members. Strength: Toowoomba Chamber of Commerce has high brand value in terms of establishing local business community within the region of Australia (Bolton and Lemon, 2009). Apart from that, Toowoomba Chamber of Commerce has long terms success stories (more than 114 years). This helps in creating positive impact on local business community of Australia. Section 3: Customer, Competitors and Stakeholder Analysis 3. 1 Target Market Analysis Toowoomba Chamber of Commerce is one of the most popular advocacy and business support providing organization within the local business community of Toowoomba (Kim and McAlister, 2011). However, the organisation delivers required advocacy for the large organisation in local business community within Australia (Zhang et al. 2012). The organisation has 350 members and 120 future leaders. The target market of Toowoomba Chamber of Commerce is those the local business community especially those business house that growing large within the country as well as outside of the country such as Action Metal Recyclers Toowoomba Pty Ltd, Barker signs, , Climate Assist Png, etc. In order to increase membership, Toowoomba Chamber of Commerce identifies their potential customers such as Aba Pty Ltd, Allied Liquid Waste, etc (Toowoombarc.qld.gov.au, 2015). According to the CEO of Toowoomba Chamber of Commerce, they segment their customers based on organisational operational process such as financial marketers, agriculture marketers, printing and publishing, shopping and stores, etc. Apart from that, Toowoomba segment their target market demographically. According to the market review of 2014, Toowoomba Chamber of Commerce achieves more than 600 members (Brei et al. 2014). 3.2 Customer Analysis From the point of view of advocacy service, Toowoomba Chamber of Commerce satisfies their customers needs and requirements properly. In order to satisfy the consumer and fulfil their requirement, Toowoomba develop new board and appointed new CEO name Helen Jentz. Increasing members in board, Toowoomba Chamber of Commerce provides wide range of facility to their customers including current up to date constitution. However, in terms of providing advocacy, the organisation segments their target market. In the diverse demand and continuous policy change climate in Australia, Toowoomba Chamber of Commerce successfully attains their unmatched membership. In modern days, majority of companies tries to develop business with full of ethics (Toowoombarc.qld.gov.au, 2015). Therefore, Toowoomba Chamber of Commerce review about the constitution rules and regulation of Australian repaid changing government and advocate to customer by properly maintaining the curret rules and regulation in local bu siness community. Apart from that, majority of organisation in these days are very much conscious about the environmental policy. Therefore, providing information and advocating them, Toowoomba Chamber of Commerce builds trust (Leonidou and Leonidou, 2011). The board member of Toowoomba Chamber of Commerce demands that they provide solutions to customer that purchase partial decisions. This factor allows in increasing growth rate within business community. 3.3 Competitor analysis According to the present scenario, there is not competitor found of Toowoomba Chamber of Commerce in Toowoomba Region. 3.4 Stakeholder Analysis Major stakeholders of Toowoomba Chamber of Commerce are the Mrs Taisoo Kim Watson, Toowoomba and Surat Basin Enterprise, Football Toowoomba Inc, University of Southern Queensland, Toowoomba Chamber of Commerce and Industry, Heritage Bank, etc. The stakeholders of Toowoomba Chamber of Commerce play the important role in order to develop the network and make important contribution. It helps in attaining success via evaluating the program. Pirog (2010) argued that University of Southern Queensland plays the important role in developing program in different cities. On the other hand, Toowoomba Chamber of Commerce helps in advocating with other organisation in local business community that facilitate the sustainable growth for those organisations within the region of Toowoomba. Moreover, Toowoomba and Surat Basin Enterprise allow the organisation in providing information about development of economy to the customers. Apart from that, the governing body of Toowoomba and Surat Basin Enterprise involved in the advocacy service providing program of Chamber of Commerce closely (Toowoombarc.qld.gov.au, 2015). Mrs Taisoo Kim Watson is also play the vital role in operational process of Toowoomba Chamber of Commerce. Mrs Taisoo Kim Wats on continuously engages with the government council board and interprets the service that helps in increasing income delegation. Section 4: Conclusion and Recommendations 4.1 Conclusion From the above market audit report, it has been identified that due to new member of advocacy board, Toowoomba Chamber of Commerce is unable to provide council with important information for the performance of Central Business District at local business community of Toowoomba. Apart from that, Toowoomba Chamber of Commerce is not meeting the demands regarding statutory obligations for ensuring ethical business activities. Moreover, Toowoomba Chamber of Commerce was not fulfilling the statutory requirements for their customers. The organisation is unable to amend planning scheme policy for customers. Due to change of government policy, Toowoomba Chamber of Commerce is unable to facilitate their customers. 4.2 Recommendations Recommendation 1: Toowoomba Chamber of Commerce has to endorse the framework of Central Business District Metrics. Analysing the method need to prepare a plan and design specific group. Moreover, Toowoomba Chamber of Commerce has to engage council officers within their chamber of Commerce. Recommendation 2: In order to make appropriate plan and amend local business community planning, Toowoomba Chamber of Commerce has to maintain or follow the guideline of Statutory Guideline 02/13. This will help in making the minor amendment that consists successful business for customers. Recommendation 3: In order to mitigate the problem of amend planning scheme policy, Toowoomba Chamber of Commerce has to adopt standards engineering for the drainage and road infrastructure in terms of modifying the consideration of submission Reference List Books Aaker, D. (2010) Strategic Market Management: Global Perspectives. 6th ed. Oxford: Blackwell Publishing. Beamish, K. and Ashford, R. (2012) CIM Course book 07/08 Marketing Planning. 3rd ed. New York: Free Press. Cant, M. (2009) Marketing Management. 3rd ed. New York: Free Press. Chernev, A. (2010) Strategic marketing management. 7th ed. 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Sequence and Rate of Each Aspect of Development free essay sample

Children are given intellectual development at a young age and their own experiences. It is important to know that children learn in different ways and at different speed, and find particular activities more or less difficult than other according to own strengths and abilities. Social, emotional and behavioral development Children should learn to have confidence in becoming independent from adults as they get older, these development is about how children feel about themselves and relate to others. The table below shows the different developments to age. | 0-3 Years| 3-7 Years| 7-12 Years| 12-16 Years| Physical development| Period of fast physical development. New born have little control over their bodies. Sucking and grasping which are reflexes of movement, which they need to survive, in the first year they learn more control over their bodies, by 12 months most babies have developed to crawling or rolling, by their 2nd year they continue to grow and develop quickly learning to walk, using their hands for pointing, holding small objects, and dressing and feeding themselves. We will write a custom essay sample on Sequence and Rate of Each Aspect of Development or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page | They can carry out more coordinated movements and growing in confidence. They have more control over fine motor skills like cutting, writing and drawing. They also have more confident in activities such as running hopping, kicking a ball, catching and using larger equipment. | They continue to grow, develop and refine many of their skills through these years. Dance and sport become hobbies and interests, which means they are more practiced in some areas. There fine motor skills have developed which means they can learn such things as sewing, drawing and playing an instrument. Girls start to show signs of the early stage of puberty about age 10 or 11 and boys puberty usually starts to show later, when there will be another period of rapid physical growth. In these years they are growing stronger. Boys are going through puberty and girls have completed the process and have regular periods. There is a variety in height and strength between these ages, on average boys are taller than girls at the end of this stage. | Communication and language development| From an early age adults talk to babies even know they can’t understand what they are saying, babies that don’t have contact with adult have problems learning communication skills, it is around 12 months that babies try to speak, even though pronunciation is not clear and words are usually used in isolation. At about 1 and 2 years they start to put words together, around 2 years old most children know around 200 words and between 2 and 3 years, children start to use negative and plurals in their speech, they still make errors with their grammar when in speech like â€Å"I drawed it†| At this stage they become more confidence with talking and start to ask a lot more questions and talk about thing in the past and future tenses, they start to use a lot more familiar phrases and expressions. Most children by this stage and onwards are able to speak with fluency in their own language and are refining their skills at reading and writing, they are able to have full discussion and put their ideas forwards and learning in more abstract terms. | | Intellectual development| They start to look around, enjoy repetitive activities on which they can predict the outcome of the activity, when playing hide and seek they start to understand that the object is still there when hidden, they can start to recognize colors’ and point to them, they can identify different items and point to them. They become skilled with aspects of numbers and writing, also they are starting to read with become more confidence with reading, as well as learning about the world but they are still looking for adult approval. | Children start to develop ideas about subjects they enjoy, they are becoming fluent in writing and reading skills and are still influenced by adults. They are able to transfer information and think in a more abstract way by using their own thoughts. | Young pupils in this stage know their favorite subjects, activities and have clear ideas about these. They are choosing what GCSEs to sit in which they are able to achieve. They might not have a lot of confidence or avoid situations in areas that they do not like. In teenagers they need to feel good about themselves and they want to belong. | Social, emotional and behavioral development| Babies at this stage form strong attachments which are usually with parents and carers, they start to find their own identities from about the age of 2. Form age 2 they start to have tantrums through frustration and will want to do things for themselves.