Depression Among The Homeless Community - 1348 Words

â€Å"Depression is a disease that controls an individual’s outlook on life and their ability to deal with circumstances.† Depression is characterized with low self-esteem as well as â€Å"a loss of interest in activities†¦ [which] has an incapacitating [effect] on the individual’s ability to relate to others.† Depression can cause homelessness or vice versa. â€Å"One of the strongest sources of depression among the homeless community [is] their feelings of isolation and loneliness. Feelings of isolation and separation from others† can lead to â€Å"rooflessness, such as parental neglect.† (Philipps, 2012) Depression is a major public health problem, especially for low-income and homeless women. â€Å"Approximately 12% of women from all socioeconomic groups are depressed. This percentage approaches 25% for those living in poverty and for ethnic and racial minorities and 40% to 60% for low-income mothers with young children and pregnant and parenting teens. Lifetime rates of depression among mothers who are homeless range from 45% to 85%.† (Bassuk and Beardslee, 2014) It has been found that low socioeconomic status and poverty, which lead to traumatic episodes of life, can lead to depression. â€Å"Environmental demands that are inherent to a homeless population including lack of income, unemployment, inadequate or no housing, limited food, and physical or mental health crises can have a significant impact on well-being† and can be seen as â€Å"traumatic life events†; as a result, homeless people,Show MoreRelatedAnxiety And Depression : A Public Health Issue949 Words   |  4 Pagesstatistics of Anxiety and Depression Association of America (ADAA), anxiety is one of the most common mental illnesses in the United States, which affect nearing 18 percent of the U.S.’s total population. This mental illness can affect one person’s general mental ability, which is the ability to understand the significance of his or her behaviors, in normal life. Most people develop anxiety through the feeling of panic, fear, and uneasiness in their life, especially on homeless young adults. GenerallyRead MoreTreatment Plan for Homeless Veterans677 Words   |  3 Pagesï » ¿Homeless veterans Homeless veterans seem to be a defenseless population by definition, as they are a subgroup in the population that is likely to have health problems or worse health challenges because of exposure to risks unlike the rest of the population. Many research undertaken to differentiate health problems linked to homeless veterans. They are vulnerable to co-morbidity of abuse of substances, mental, physical health infections and disorders than the common homeless population. TheirRead MoreThe Effects of Homelessness on the Overall Self-Esteem of Homeless Youth1476 Words   |  6 Pages Yet, children, those under 18 years of age, are generally not associated with the homeless status as they are invisible, not seen by the general public with their homeless counterparts taking up residence in make-shift housing. Nonetheless, there is a large percent of youth who meet the guidelines for being deemed homeless. The website, findyouthinfo.gov, says the U.S Department of Education defines a hom eless youth as one whom: Lacks a fixed, regular, and nighttime residence or an individualRead MoreThe Homeless Population Of The United States1393 Words   |  6 PagesIntroduction The homeless populations are among the most vulnerable populations in the United States. In today’s society, the homeless population consists of every age group, sex, religion, family type, and ethnic group. Families, children, and adults who are homeless suffer many adverse effects from living in shelters and on the streets, and approximately twenty six percent of homeless individuals suffer from severe mental illness (Stanhope, 2014). This paper focuses on the homeless population of allRead MoreEssay about The United States Homeless Population879 Words   |  4 PagesIntroduction In the United States the homeless population continues to grow rapidly. Homelessness has been a public health issue for many decades. Often times these individuals feel as though society has turned a blind eye to them. This at risk population is seen by society as lazy or chose to live a life on the streets, but if one would examine this population closely would see that there is more to this at risk population than what society has labeled them as. The forces, which affect homelessnessRead MoreTaking a Look at Homelessness893 Words   |  4 PagesBritish Columbia, Canada. This community, around King George SkyTrain station, is a densely populated area. In this community, there are a large number of homeless individuals. In homeless population, mental illness commonly present in the forms of schizophrenia, depression, personality disorders, substance abuse, and other affective disorders. According to Metro Vancouver Homeless Count, there are â€Å"400 homeless people in Surrey, representing 15% of the regions 2650 homeless† (City of Surrey, n.d, â€Å"2014†)Read MoreApplying Service Delivery Models Essay824 Words   |  4 Pagesneeds for homeless mothers and domestic violence in the African American community. Fischer (2000) wrote homeless families face the economic and personal challenges of sparse employment opportunities, child care and nutrition needs, compounded by the loss of adequate housing. Those with the greatest risk of being unemployed and of becoming long term welfare dependent are teen mothers (Fischer, 2000). In addition, depression and the loss of self-confidence are direct results of being homeless. HomelessnessRead MoreThe Effects Of Homeless Conditions, Drug Abuse, And Mental Illness1464 Words   |  6 PagesA study of the Impact a Correlation of Homeless conditions, Drug Abuse, and Mental illness has on the Health and Wellbeing of Individuals Robin Mullineaux Salt Lake Community College Abstract This paper utilizes five peer reviewed articles for the purpose of identifying the interconnections between psychiatric conditions, self-medication and Homelessness. Depending on the severity of the psychiatric disorder, circumstances can lead to a homeless situation or nomadic lifestyle. It willRead More Rural Homelessness871 Words   |  4 PagesHomelessness As the Joad family lost its farm and hit the road in Steinbecks classic, The Grapes of Wrath, so to did America lose its ability to plead ignorance to the problem of rural homelessness. Yet, as the troubles of the Great Depression, and two million homeless Americans, were eclipsed by a world at war, the issue of homelessness was once again placed on the back burner, and then taken off of the stove altogether (Davis 275). Although this problem has seldom been discussed in the sixtyRead MoreHomelessness : Poverty And Lack Of Permanent And Stable Housing1244 Words   |  5 PagesAccording to the United States Department of Housing and Urban Development (HUD), a homeless person is an individual who does not a have a permanent residence place, but rather has a temporary nighttime residence which is not designed for the accommodation of human beings (National Health Care for the Homeless Council, n.d.) Such nighttime residences include abandoned buildings, camping grounds, car parks and bus stations among others. Other agencies define homelessness as a situation whereby an individual

Critical Review of Rebecca Essay - 1693 Words

The gothic romance and mystery of Daphne du Maurier’s Rebecca show the style in which a deep, dark secret is held at the beautiful Manderley, and a young love is influenced by the haunting of Manderley’s former mistress. Using the harrowing style of suspense, Daphne tells a tale of a young woman trying to live a life in the home of someone who has not quite left yet. With extraordinary scenery, strong symbolism, and plenty of hidden irony, Daphne du Maurier has made an everlasting psychological thriller. In London, on May 13, 1907, Daphne du Maurier was born to Gerald du Maurier and Muriel Beaumont. As a young girl, Daphne grew up around creative thinking. Her grandfather, George du Maurier, was a cartoonist and author. Daphnes own†¦show more content†¦As a young girl, she sometimes felt that she should have been a boy. She even developed a sort of male alter ego and called herself Eric Avon. This male persona was often referred to as a â€Å"boy in the box† by Daphne herself (Templeton). Due to a â€Å"puritanical and tradition-bound† father, Daphne would not accept this part of herself (Templeton). Daphne really actually disliked social life. However, she did enjoy walking, sailing, and studying birds. A few of these hobbies are portrayed in her book Rebecca, for which she received the booksellers favorite novel by the American Booksellers Association in February of 1939. The New York Times wrote that Daphne du Maurier had â€Å"the ability to tell a good st ory and people it with a twinkling reality† (â€Å"Du Maurier†). Rebecca became a bestseller and was later made into a movie. Another accomplishment made by Lady Browning was being made a Dame Commander of the British Empire. At age 81, Daphne du Maurier passed away in her sleep in Cornwall, England on April 19, 1989. Ancient and significant, Manderley is the very core of the story of Rebecca. Appearing in the first sentence, this setting gives a vague foreshadowing. Leading back by a long lane, the manor lies on an amazing and well-designed landscape. Set in the spring, the azaleas are in bloom and Manderley seems to glow. The Cornwall area of Manderley brings about the British culture and society of the time. As the plot thickens and gloomier days come, theShow MoreRelatedHow Effective Is the Character ‘Mrs. Danvers’ in Daphne Du Maurier’s ‘Rebecca’?1145 Words   |  5 PagesRebecca has been described as the first major gothic romance of the 20th century; Mrs. Danvers’ character is one of the few Gothic interests within the novel. Her unnatural appearance and multi-faceted relationship with Rebecca provides scope for manifold interpretations and critical views. Furthermore, Mrs. Danvers connection with Rebecca and Manderlay is a sub-plot in itself, m aking Mrs. Danvers the most subtly exciting character in the novel. Mrs. Danvers bond with the late Mrs. De Winter isRead MoreConfessions of a Shopaholic Essay1188 Words   |  5 PagesEnglish Culminating Activity | June 14 2011 | | Sub- Topic Chart Thesis statement: Three characters that reveal the theme are Rebecca Bloomwood, Derek Smeath and Susan Cleath-Stuart. | Sub-Topic #1Rebecca Bloomwood | Sub-Topic #2Derek Smeath | Sub-Topic #3Susan Cleath-Stuart | Quote #1 | â€Å"I pick up my letters and bills and begin lowly to leaf through them.† – pg. 292 | â€Å"Perhaps you would be kind enough to ring my assistant, Erica Parnell, and arrange a meeting to discuss your ongoingRead MoreA literature Review on inpatient falls878 Words   |  4 Pagesï » ¿ A literature Review on inpatient falls NRS 433V August 3rd, 2014 A Literature Review on inpatient falls According to the reports published by the Centers for Disease Control and Prevention Injury Centre (2007)Read MoreE Voting And Its Effect On Voting1204 Words   |  5 PagesThe fairness of this new type of voting will be critical to its acceptance. 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Managing Financial Resources and Decisions Organizations and Stakehol

Question: Discuss about theManaging Financial Resources and Decisions for Organizations and Stakeholders. Answers: Introduction: Nature and Role of Finance Professional on Organizations and Stakeholders Managing financial resources and making financial decisions are the key roles of financial professionals in any given organization. Finance professionals tasked with financial control processes include finance directors, finance managers and financial accountants. Within an organization, a finance manager is responsible in providing support and financial advice to the organization and its stakeholders in order for them to make sound business decisions. Financial managers have very enormous role. In large companies such as those that make up the FTSE 250 Index, their roles are more concerned with strategic analysis while for small organizations, financial managers are responsible for collecting and preparing accounts. Generally, finance managers have the responsibility of providing and interpreting finance information; monitoring cash flows as they make predictions for future trends; analyzing changes and offering advice accordingly; formulating long-term strategic business plans; and analyzing market trends as well as the competitors (Brown, 1990). A finance director has distinct roles for the contribution of an organizations attainment of its objectives. It is the role of a financial director to provide strategic and financial guidance that ensures the organization meets its financial commitments. Finance directors also develop the necessary procedures and concepts so as to ensure sound financial control and management of the organizations business. According to Barker (2016), a finance director is an organizations finance professional who directs and controls finance staff to make sure that they are developed and motivated appropriately; provides guidance and advice on an organizations financial strategy to ensure the companys business objectives are met; develops and controls the annual operating budget for the organization in order to make sure that financial targets are met while statutory regulations are complied with; and oversees preparation of the organizations financial accounts so as to ensure that they are accuratel y and timely presented. Another important finance profession within an organization is the financial accountant. This individual collects, analyzes, investigates and reports financial data so as to support financial decision-making (Dorrance, 1969). Some of the financial accountants roles include preparing monthly statements by data collection, analysis and investigation of variances and summarizing information and trends; assembles data to prepare state quarterly as well as annual statements; complies with the countrys tax filing requirements through regulations study and collects data on annual tax fillings; responds to financial inquiries through data collection, analysis, summary and interpretation; studies operational issues, applies financial practices and principles and develops recommendations in order to provide financial advice; prepares reports after studying variances, he/she prepares budgets and develops forecasts; and accomplishing organizational and financial mission through completion of the related results. Finance professional and financial control processes impact on the organization and its stakeholders. Financial considerations and decisions are essential to all business decisions. Budgetary planning that is clear is important for both long and short terms. Every organization requires to know the financial implication of every decision before continuing. Financial processes must be carefully undertaken in line with all statutory regulations and legislations (Norby, 1980). Finance professionals are the organizations business and financial analysts. In addition, financial professionals manage budgets and make arrangements for new finance sources for the organizations debt facilities. For effective financial management within the organizations, finance professionals develop and maintain the necessary procedures, systems and policies. Evaluation of the Impact of Domestic and International Financial Domain There are many aspects in which domestic finance differs from international finance. Some of those aspects include foreign currency exposure and different political, economic, legal and taxation environment. In contrast to domestic financial management where there are less currency derivatives, international financial management involves a lot of currency derivatives. Pagliari (2014) points out that in the financial domain, the main difference between domestic and international finance is in the exchange rates. For domestic financial management, organizations aim at reducing capital cost as they try to raise funds and optimize returns from investments in creation of wealth for the stakeholders. This is the same for international finance, the organization does everything possible with the help of the finance professionals to ensure that wealth for stakeholders is maximized. Financial control processes of every organization are always exposed to foreign exchange exposure. Most areas of an organizations international business are impacted largely by the currency exposure. Some of those areas include making sales to customers, purchasing from suppliers, investment on machinery and plants and raising of funds among other areas (Williams, 2003). Whenever organizations require money, currency exposure comes into play as every business transaction requires money. In an organization is majorly involved in international business, the financial processes are exposed to different political and economic environments. Trade policies differ with countries. It is the role of the finance professionals to critically analyze policies in those countries in order to make out feasibility and profitability of the organizations business propositions. Some countries may have policies that are business friendly while others would not. The other external context of financial domain that impacts on an organization is the legal and tax environment. Tax directly impacts on the net profits and product costs of the particular organization. Finance professionals try to manage international finance by looking at the taxation structure so as to find out whether the businesses feasible in the home country would be workable in foreign countries (Pagliari, 2014). In addition, different groups of stakeholders matter in every organizations. Some of the stakeholders that are found within most organizations that make up FTSE 250 index include the suppliers, shareholders, lenders and customers. The shareholders within an organization matter since they impact the organization in a certain manner. For instance, the shareholders carry with them different cultures, values and language. When the finance organ of the organization deals with those stakeholders, it might not be aware of their dislikes and likes. The organization has an ob jective to keep all the shareholders satisfied as they are the ones that drive the business. Comparison of Finance Sources Available for an Organization There are many sources of finance to organizations. Bank lending is one key source of finance to organizations. Bank lending comes in mainly for short term or medium term financial objectives. According to Dyczkowski (2015), loans for short term go to three years where the bank sets the limit whereas a medium-term loan is given for a time span of three-ten years. Retained earnings are another source of financing in a company. That is, the amount of earnings in the business directly affects the amount of dividends. The main reason why companies use retained earnings as a source of finance is because the use of retained earnings reduces issue costs compared to using debentures or shares. When retained earnings are used the likelihood of changing control is avoided as a result of new shares. Another source of finance in companies is the use of hire purchase which is a form of installment credit. This source of finance is similar to leasing except that in hire purchase the company fully acquires assets after the paying the last installment. There are agreements when using hire purchase which are set by the finance house where hirer is supposed to pay an amount of deposit toward a purchase price. Venture capital is another source of finance. It refers to money ventured into an enterprise and that can all be lost if an enterprise fails. An organization which gives the funds understands the gamble essential with that funding (Hassan and Leece, 2008). Venture capital organizations cannot retain their investments indefinitely for a given business. Companies may as well obtain finance from the government. The government has a way in which it finances companies directly or through cash grants as part of a way to improve the national economy. This mainly occurs in areas of unempl oyment and in high technology industries. Organizations may also obtain finances from franchising. This entails expanding businesses on capital that is lesser than the required capital. Examples of worldwide franchisors include; chicken inns, Nandos chicken and Wimpy (Lafontaine, 2014). In franchising arrangement, a franchisor is paid by the franchisee in order to acquire rights of running a local business using the trade name of the franchisor. The franchisor bears the costs of establishment, legal costs, cost of the architect, cost of marketing and other supportive services. The franchisee on the other hand bears the initially required franchise fee that covers the set-up costs. The payments that follow regularly are catered for by the franchisee. The regular payments are the percentage of the franchisees turnover. Franchises are advantageous to the franchisor because they improve the image of the business as they work to achieve the best results (Lafontaine, 2014). The capital needed to improve the business reduces substa ntially. Similarly, a franchisee benefits from a franchise because there is obtaining of ownership of a business including the premises and stock for the agreed number of years. The franchisee does not suffer from some mistakes made by small businesses because franchisors have the experience and have previously learned from past mistakes. Role of Capital Markets The most fundamental role of capital market has always been to raise the funds for Corporations, banks and governments. At the same time, the capital markets provide a platform for trading securities. Bond and stock markets regulate fundraising within the capital market. Capital market member organizations that want to raise funds issue bonds and stocks (Mrsik, J., Vukovic Trpkov, 2015). The issued bonds and stocks are then purchased by investors who wish to invest in capital markets. However, it is important that investors ensure that they understand the market trends first before they make investments in the capital market. Different market indices such as the FTSE 250 index, FTSE 100 index or FTSE 350 index are available to investors so that they reflect on the markets present performance. As capital markets aim to raise funds, each of them are monitored by the respective governance organizations and the financial regulators. Such regulation of the capital markets ensure that the investors are protected from deception and fraud. Financial regulatory bodies also play a role in issuing financial service providers with licenses, minimizing financial losses and enforcing laws that are applicable. Most countries have capital markets that are no longer confined within their nations. Most individuals and corporations are allowed by certain regulations to make investments in capital markets of any country worldwide. According to Wong (2014), foreign capital market investments have led to substantial enhancement of businesses within the international trade. Capital markets depend on the primary and secondary sub-markets. Primary markets deal with securities that have been newly issued and are responsible for generating new long-term capital. Secondary markets deal with securiti es that have been issued previously and should remain liquid naturally since most securities have been sold by investors. Capital markets with high transparency and liquidity are predicated upon secondary markets with similar qualities. Nature and Importance of Risk Management Risk management is an important process within every organization. Carvalho and Rabechini Junior (2015) define risk management as the process of identification, analysis and either mitigation or acceptance of uncertainty in investment decision-making. This process takes place every time the finance professionals or investors attempt quantifying potential for losses within investments and heads to take the necessary action given risk tolerance and investment objectives (Lundqvist, 2014). Poor risk management results in serious consequences for individuals and organizations. For instance, the recession that was experienced in 2008 by some countries was as a result of loose credit risk management by financial organizations. Basically, risk management involves two steps. The first step involves determining the risks that exist in a given investment while the second one involves handling those risks in a manner that best suits the investment objectives. It is essential for organizations to conduct risk management since lack of it means that the organization would not be able to define its future objectives. Once an organization defines objectives before considering the potential risks, there are chances that it would lose direction when risks occur. Large organizations face more risks and therefore require to make their strategies more sophisticated. Effective risk management strategies enable organizations to identify the weaknesses, threats, opportunities and strengths of projects (Lundqvist, 2014). Planning for events that are unexpected enables the organizations to be able to deal with risks once they arise. Risk management contributes to success of projects since lists of external and internal risks are established. In addition, risk management makes projects to run smoothly by ensuring that project plans are efficiently communicated to stakeholders, sponsors and team members. Impact and Relevance of Cost of Capital in Decision-Making Process Lundqvist (2014) defines cost of capital as the opportunity cost involved when making certain investments. It is described as the rate of return which would have been earned if the same capital was used in a different investment that had equal risk. Cost of capital is similar to the rate of return needed to persuade investors to be involved with certain investments. Norby (1980) refers to the cost of capital as the cost of funds that finance a business. Cost of capital depends on the type of financing used. For instance, when the business is solely financed by equity, cost of capital refers to the cost of equity. If the business is financed by debt, the cost of capital becomes cost of debt. Most organizations use a combination of equity and debt to finance their businesses. For such businesses, their overall cost of capital is results from the weighted average of all the capital sources which is then referred to as the WACC (weighted average cost of capital). Cost of capital is the hurdle rate which organizations require to overcome before generating value. Cost of capital is used extensively in the process of capital budgeting so as to determine whether the organization should go on with the project. The cost of different capital sources differs from organization to organization and depends on factors like credit worthiness, profitability and history (Williams, 2003). New organizations engaging in new businesses have limited operating histories meaning that they would have high costs of capital than the established ones that have solid track records. The main reason is because lenders and individuals providing finance sources demand high risk premiums for newer enterprises. In conclusion, each organization needs to chart out a game plan for financing their businesses at whichever stages they are at, that is when it is at an early stage or after being established. The cost of capital is a critical factor for deciding the type of financing that the organization should follow. During the early stages, companies do not have large assets that they can pledge as debt financing collateral, hence, equity financing become mode of funding for most of such companies. The market determines the cost of capital and is determined by and represents the extent of investors risks. When given the choice between two investmentsthat have equal risk, the investors wouldgenerally choose the one that provides them with a higher return. References Brown, D. S. (1990). The Role of the Financial Manager. Public Budgeting Finance, 10(2), 107-109. Barker, S. (2016). Together Hires Co-operative Financial Director. Mortgage Strategy (Online Edition), 1. Carvalho, M. and Rabechini Junior, R. (2014). Impact of risk management on project performance: the importance of soft skills. International Journal of Production Research, 53(2), pp.321-340. Dorrance, G. S. (1969). The Role of Financial Accountants. Review of Income Wealth, 15(2), 197-207. Dyczkowski, T. (2015). Financial and non-financial information in performance assessment of public benefit organizations. Research Papers Of The Wroclaw University Of Economics / Prace Naukowe Uniwersytetu Ekonomicznego We Wroclawiu, (398), 134-145. doi:10.15611/pn.2015.398.12 Hassan, A. and Leece, D. (2008). The Influence of Venture Capitalists' Source of Finance on their Post-Investment Behavior in Investee Companies. The Journal of Private Equity, 11(3), pp.69-84. Lafontaine, F. (2014). Franchising: Directions for Future Research. International Journal of the Economics of Business, 21(1), 21-25. doi:10.1080/13571516.2013.864124 Lundqvist, S. A. (2014). An Exploratory Study of Enterprise Risk Management: Pillars of ERM. Journal of Accounting, Auditing Finance, 29(3), 393-429. doi: 10.1177/0148558X14535780 Mrsik, J., Vukovic Trpkov, D. (2015). The Custodian Banks and the Evolution of the Emerging Capital Markets: the Case of Macedonia. Economic Development / Ekonomiski Razvoj, 17(3), 321-333 Norby, W. C. (1980). Accounting for Financial Analysis. Financial Analysts Journal, 36(6), 16-80. Pagliari, S. (2014). Fixing International Finance: Between International Rule-Making and Domestic Cosmetic Compliance. International Studies Review, 16(4), 673-675. doi:10.1111/misr.12173 Wong, A. (2014). The Role of Government in the Venture Capital Market with Asymmetric Information. Quantitative Finance, 14(6), 1107-1114. doi:10.1080/14697688.2012.738307 Williams, B. (2003). Domestic and international determinants of bank profits: Foreign banks in Australia. Journal of Banking Finance, 27(6), pp.1185-1210.