Economic comment Essay Example for Free

Economic comment Essay Interest rates are proportionate to credit quality and it shows the ability of the investor to pay at any given circumstance. World economic conditions vary by geography and country and the nature of inflation and deflation influences interest rates. Interest rate is also determined by the government through its enactment of public policy called interest rate subsidy (Montalbano, 6). Interest rate term structures evidences how they are determined by future expectations of the value money. However in the absences of the aforementioned determinants, interest rates are determined by the supply and demand for funds. 2. Interest is the premium paid for use of borrowed money. The interest for loans is usually fixed for a certain number of years after which if there is delay in payment the interest rate adjusts upwardly each year. The value of dollar can increase or decrease depending on the supply and demand imbalance. However, lending of money is associated with risks as the lender can not be certain whether or not the borrower will pay the money back. In order for the lender to reduce the risks, it is important to secure the loan with a physical property such as real estate. Additionally, examining of one’s ability to pay back the money by use of credit score range can help reduce the risks of lending. 3. Interest rates are also determined by the supply and the demands for funds. This shows that at whatever rate of borrowing, the borrower believes he/she has borrowed at the lowest rate and he/she can even provide higher interest rates on the same funds (Montalbano, 12). On the other hand, the lender believes the funds cannot be lent at a higher rate and there is certainty to receive interest and return of principal. Works Cited Montalbano, J. How are interest rates determined? 201. Viewed August 14 2010 from http://www. ehow. com/how-does_4880725_how-interest-rates-determined. html

hesitant hamlet :: essays research papers

Hesitant Hamlet   Ã‚  Ã‚  Ã‚  Ã‚   Throughout the play, Hamlet is shown not acting quickly in crucial situations, which brings us to his tragic flaw, hesitancy. Hamlet, stopping to think situations through, lets opportunities slip right through his hands that will immensely affect so many people in the future. If Hamlet would just act on instinct, than hesitancy would never be an issue.   Ã‚  Ã‚  Ã‚  Ã‚  Unfortunately for Hamlet, in this play he does not have all the time in the world to get revenge towards Claudius. Early on in the play Hamlet sees the ghost of his father’s spirit and it beckons him to follow if he wishes to speak to it. Hamlet being encouraged not to follow by his comrades says, â€Å"It will not speak, then I will follow it† (Shakespeare 1.4). Almost without thinking Hamlet makes the decision to follow the ghost, this will later prove totally uncharacteristic of him. Thinking they can still convince him, his friends, Horatio and Marcellus, try once again to stop him only to hear, â€Å"Hold off your hands; my fate cries out; by heaven I’ll make a ghost of him that let’s me† (Shakespeare 1.4). Hamlet lets it be known here that he has made his mind up and anyone who tries to stop him, he will make a ghost out of, heaven willing. Hamlet does not show any signs of hesitancy here, but will soon allow it to get in h is way for at the wrong time.   Ã‚  Ã‚  Ã‚  Ã‚   After meeting with the ghost, Hamlet is aware of his uncle Claudius being the one who murdered his father. Hamlet, longing to avenge his father’s death gets the perfect chance catching Claudius off guard while he is alone on his knees praying. Hamlet speaks saying, â€Å"Now might I do it pat, now he is praying. And now I’ll do’t. And so he goes to heaven. And so am I avenged† (Shakespeare 3.3). Hamlet does not act, leaving Claudius harmless while he is apparently repenting and talking to God. Hamlet wants to make sure Claudius dies and is on his way to the burning pits of hell instead of heaven. Unfortunately, moments later Claudius rises from his knees and quotes, â€Å"My words fly up, my thoughts remain below; words without thoughts never to heaven go† (Shakespeare 3.3). Claudius amazingly says it himself that his words are not sincere and they wont make it to heaven. Hamlet makes the biggest mistake of his life here, not taking advantage of the picture perfect moment to kill Claudius.

Porter Generic Strategies on Indian Automobile Induatry Essay

PORTER’S GENERIC COMPETITIVE STRATEGY Automobile Sector MARUTHI: Low Cost Product – Differentiated service Product Pricing: Maruthi build high walls of safety against competition by its very competitive pricing i.e. pricing as low as possible for the particular product. Maruthi has also been a company that has strived for sustainable development with their â€Å"three R† framework standing for â€Å"reduce, recycle, reuse† in its plants, so that there is a minimal stress on resources emphasizing on low cost while retaining their promise to the customer. Maruthi Product – Target Market – Pricing As important for low cost provider they are also backed by huge economies of scale as depicted below; Customer Service: In the other hand maruthi has been sought by people for its distribution and service availability across the length and breadth of the nation. â€Å"Yes, you can get lost in India, but chances are there will be a Maruti Suzuki Service Station close at hand. Wherever you go, across the length and breadth of this vast nation, our service network follows.† boasts maruthi relying on its widest service network servicing more than 40,000 cars a day. Maruthi has been No.1 in the J D Power Customer Satisfaction Award for a staggering 13 years in a row. It’s a survey that rates the after-sales service experience, one that no other global car market leader has won even once. Source:Maruthi.co.in TATA: COST LEADERSHIP Tata motors is a part of the conglomerate TATA and their focus is to provide cost effective solution to their customers going in line with their mission of â€Å"To be passionate in anticipating and providing the best vehicles and experiences that excite our customers globally.† Source: Tatamotors.com Focusing on values like Integrity, Accountability, Innovation, Passion for excellence with their focus to provide low cost solution ranging from TATA flag mark product NANO. The following picture gives the price list for the cars, Source: Car pricedhekho.com Their economies of scale are one of the highest in the industry signifying the low cost in production also reuse and less emphasis on design features and these coupled with their unique processing of fixing reverse methodology of pricing the product first and thereby innovating and designing so as to fit the price makes them the leader in providing low cost solutions reaching out the customers. TATA also boasts it service network being wide and reachable in almost all corners of the nation but their main focus and strive is on providing low cost solutions. MAHINDRA: DIFFERENTIATION (BLUE OCEAN STRATEGY) Mahindra & Mahindra (M&M) manufactures utility vehicles (UVs), tractors, commercial vehicles (CVs), three-wheelers and gensets. Mahindra was the first mover when it comes to utility vehicles in India and has an indomitable market and place in customer mind when their focus is on performance under optimal price. It is India’s market leader in UVs and tractors and In land, Mahindra has dominant share in all its segments – | Source: SIAM, Company Data, Credit Suisse estimates| Mahindra earns a competitive advantage via a combination of a tractor and UV business in India which face very little or no competition. Mahindra brought in SUV’s in Indian market focusing on raw power and performance with the launch of Bolero and the launch of Scorpio has proven to be a game-changer for the company and has help it transform its image from a people-mover to luxury SUV manufacturer followed by launch of its most-awaited XUV 500 dominating the SUV category with its differentiated products. All this was keenly observed by famous strategist and thinker Mr. C K Prahlad and named the whole milieu as â€Å"FORTRESS MAHINDRA†. Fortress Mahindra means that if you go into a certain mobility business where you can share procurement, where you can share research and development synergies, where you can share logistics, where you can share brand, you can share channel and then create a mobility web where it becomes easier to enter a  mobility business that somebod y else can’t and easier to defend when somebody tries to emulate. Source: Business Today

The Effects of Interest Groups on Politics Essay - 1407 Words

Influence of interest groups on the American legislature nbsp;nbsp;nbsp;nbsp;nbsp;We elect politicians on the basis on the issues by which they stand, and these issues are either held up or weakened by the numerous interest groups that exist today. Interest groups target both major and minor issues, using all of their resources to sponsor or overpower the groups’ concern. Interest groups are composed of a limited range of the body of voters who have a great stake in the issues their group support. They make evident the issues their group supports. Their resources are used in an attempt to make their issue public policy. Interest groups are persistent; they do not give up until they succeed. They lobby congress, take legal action,†¦show more content†¦They, along with other old-age interests, however, have had to shift their role to a defensive one.11 The defeat of President Clinton’s health care reform package, which the AARP supported, dealt them a measurable political blow.12 The republican congressional take over of 1994 led to a scaling back of the federal government’s role, including programs designed to benefit seniors. The AARP believes big government to be essential to the welfare of seniors. This view comes in direct conflict with the Republican view stated in the â€Å"Contract With America†, that individuals and businesses can make more effective use of funds than the governmental bureaucracy.13 An understanding of this fundamental philosophical distinction provides one with the perspective to understand the AARP’s opposition to the privatization of programs important to seniors. These programs include social security, which the AARP describes as its â€Å"number one issue†, and Medicare.14 It also explains their fervent opposition to reductions in the rate of growth of the aforementionedShow MoreRelatedThe Effects of Interest Groups on Politics1436 Words   |  6 PagesInfluence of interest groups on the American legislature We elect politicians on the basis on the issues by which they stand, and these issues are either held up or weakened by the numerous interest groups that exist today. Interest groups target both major and minor issues, using all of their resources to sponsor or overpower the groups concern. Interest groups are composed of a limited range of the body of voters who have a great stake in the issues their group support. They make evidentRead MoreCalifornia Politics And Government : A Practical Approach1444 Words   |  6 PagesThe book, California Politics and Government: A practical Approach, helps students understand the government and politics. 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These agents of political socialization include our family, our education, the media, and many more. They shape our values and beliefs from the moment we are born to the moment we die. Our family environment contributes to our interest in politics in the future, our education teaches us the fundamentals of American government and politics, and lastly the media continuouslyRead MoreEssay on The Role of Special Interest Groups in American Politics1371 Words   |  6 PagesROLE OF SPECIAL INTEREST GROUPS IN AMERICAN POLITICS nbsp;nbsp;nbsp;nbsp;nbsp;Like political parties, pressure groups can be considered another system that connects the citizen more directly to government. However, at the same instant there are marked differences in both composition and function that define interest groups as different entities from larger political parties. According to V.O. Key Jr. in a composition appropriately entitled Pressure Groups; pressure groups â€Å"Ordinarily†¦ concernRead MoreCity Politics, Edward Banfield And James Wilson1221 Words   |  5 PagesIn their landmark 1963 book, City Politics, Edward Banfield and James Wilson seek to catalogue the characteristics that make American civic life unique. To them, American government is permeated with politics, lacking a purely administrative sphere. Accordingly, individuals can become involved in nearly any public decision: â€Å"It is characteristic of the American political system,† they write, that everyone has a right and even a positive obliga tion to ‘get in on the act’ of running the government