Not All Homeless People Are Crazy Essay -- Are the Homeless Crazy?, 20

One of life’s truly rarest treasures is human unselfish charity. The greatest thing in the world is mutual understanding and the endless feeling of appreciation of having a Home. A place that every one of us has to have: where a happy, loving family could be born, where love, support and acceptance, no matter what, always are, and where kindness, warmness, understanding are sincere and never go away. I think those of us who have homes have to count ourselves exceedingly fortunate, because we are blessed. Home--the roof and the walls--protects us from outside pressure, and gives strength and desire to live, which is the important moral base of a psychologically healthy human being. But what about those who don’t have it? Those who we call Homeless? Unfortunately, there is always a dark cloud in a blue sky, and in â€Å"Are the Homeless Crazy?† Jonathan Kozol questions the primary cause of homelessness in the United States. Are the homeless people really â€Å"pa ranoids of the street† and â€Å"among the most difficult to help?† When I read, â€Å"Are the Homeless Crazy?† I was amazed how clearly and skillfully the writer shows the reality, the conditions, and causes of homelessness through presenting an impressive array of statistics and showing the numbers of homeless children. The author writes: â€Å"nearly half the homeless are small children whose average age is six,† and â€Å"since 1968 the number of children living in poverty has grown by 3 million† (463). He uses statistics to show the level of Federal support for low-income housing, which â€Å"dropped from $30 billion (1980) to 7.5 billion (1988),† the average of rents, the declining welfare benefits for families with children, the loss of traditional jobs in industry, â€Å"2 million every year since 198... ...the attempts of homeless people to overcome the misery and destitution must be heard and evaluated. People need the response from society on their unbearable and intolerable life conditions. Kozol makes very clear for everybody that nothing would be solved until everyone will be understood. Let’s just imagine what if we were in those people’s places, without a place to live, and in total destitution. Are we going to ask for help? I think people cannot be degraded to the level of crazy beasts; they don’t have to demean themselves and their families to ask and to accept official charity. I strongly believe that they can desperately implore for Dei gratia but not for society to deign to help. It isn’t too much to desire to have a Home. And it is not a crime to have it. Works Cited Kozol, Jonathan. â€Å"Are the Homeless Crazy.† Yale Review, 1988.

Ford Motor Company Analysis Essay

Executive Summary Ford Motor Company is an American automobile manufacturer founded and headquartered in Dearborn, Michigan but incorporated in the state of Delaware. The company was started by Henry Ford in 1903 and is historically famous for the creation and implementation of the assembly line in manufacturing processes. Ford’s mission is to produce and sell automobiles – cars, trucks, SUVs, etc – from the ones initially designed and engineered by Henry Ford all the way through the newer versions created in the last few years. (Profitable Growth for All, 2012) In 2011, the company performed strongly – producing revenues of $134,264,000,000 and net income of $20,213,000,000. Financial data has been gathered from the 2011 annual report and 10-K forms filed with the SEC for further analysis. Appendix A contains these reports and appendix B contains select financial ratios calculated in the analysis. The ratios are divided into six major categories: short-term liquidity, capital structure and solvency, return on invested capital, asset turnover, operating performance and profitability, and financial market measures. All six combine to provide an overall picture of financial health for the company. The below analysis provides evidence that, although Ford’s public stock may be overvalued, the company itself is in good financial health. Company/Industry Description Ford is one of the world’s largest producers of cars and trucks but also engages in other business sectors, particularly vehicle financing, through subsidiaries. The major segments of the automotive production and sales portion include Ford North America, Ford South America, Ford Europe, and Ford Asia Pacific-Africa. Ford Motor Credit Company is the predominant financing subsidiary of the firm. (Profitable Growth for All, 2012) As of 2011, Ford Motor Company’s vehicle brands included Ford and Lincoln; between the two lines, the company sold over 5.5 million vehicles through almost 12,000 dealerships around the world. (Profitable Growth for All, 2012) Since vehicles are durable goods, Ford and the entire automotive industry is highly affected by general economic conditions. Given the 2008 financial crises and its lasting effects, the sale of durable goods has been  relatively low in recent years. In addition to economic factors, Ford must also contend with competitors worldwide. The automotive industry is highly competitive and ever growing in terms of brands and the various vehicles offered by each. The high level of competition within the automotive industry, particularly in mature markets like the United States, has led to a very competitive pricing environment. Competitive pricing in automotive sales tends to surface in the form of price discounts, marketing incentives, and financing incentives to attract customers to a particular brand since vehicles do not tend to be highly differentiated products. In terms of brand recognition, Ford is well known as one of few American car makers still thriving and is probably best known for its pick-up trucks and sports cars, particularly the Mustang. Findings and Assumptions Select financial ratios have been calculated based on Ford Motor Company’s financial statements from 2011 and can be found in Appendix B. The financial statements used for calculations are contained in Appendix A. Based on the calculations, analysis of short-term liquidity, capital structure and long-term liquidity, return on invested capital, asset turnover, operating performance and profitability, and financial market measures are included here. Ford’s short-term liquidity looks promising. The current ratio of 1.16 is good; it shows that the company can pay its short-term obligations 1.16 times. Typically, a current ratio over 1 is considered healthy, though higher is definitely better. (Wahlen et al, 2008) At first glance, Ford’s cash ratio of 0.52 seems a bit weak. It shows that, although the company can meet its short-term debts per the current ratio, it only has enough cash on hand to meet 52% of its short-term obligations. The financial statements included tend to combine cash and marketable securities into a category labeled â€Å"cash and cash equivalents†. If the cash ratio is recalculated using this value instead of simply cash than the ratio improves to 1.10, which shows much stronger liquidity capabilities. Long-term solvency for Ford Motor Company also appears to be strong. The company’s times interest earned ratio of 1.96 means that it can cover its  interest charges on current debt issues almost two times over. This is a good sign that bankruptcy is not eminent and the company is solvent in the long-run. A higher debt to equity ratio means a company gets a larger portion of its financing from creditors than shareholders, though higher is a subjective measure and depends on the industry. (Wahlen et al, 2008) Automotive manufacturers tend to have debt to equity ratios above 2 because the industry is capital intensive. (Debt/equity ratio, 2014) Ford’s debt to equity ratio in 2011 was 10.89, far higher than the industry standard, potentially due to the circumstances of the time. The financial crisis of 2008 resulted in major financial bailouts across the automotive industry. These large levels of debt to the government would increase the debt to equity ratios of all compa nies that accepted the money. In addition to both short and long term solvency, a company’s return on invested capital should be analyzed when determining its financial health. Ford’s return on assets from 2011 is 11.3%. This number seems strong on its own but the best information comes from comparing it to either competitors or previous years in the same company since return on assets varies drastically across industries. (Wahlen et al, 2008)) In 2010, Ford’s return on assets was only 4%. This increase is a significant improvement since the two ratios show that, in 2011, $100,000 of assets would generate $11,300 in income while the same assets in 2010 would have only generated $4,000 in income. Ford’s return on equity in 2011 was 134%, a hugely impressive ratio! This calculation shows that $100,000 in shareholder equity would generate $134,000 in income. Considering the ROE in 2010 was negative, this is an extreme improvement in profitability for the company. In 2010, Ford’s asset and inventory turnover ratios were excellent. The total asset turnover of 74.9% shows that the company is effectively deploying their assets and has been able to generate $74,900 profit for every $100,000 in assets. This is not surprising considering the high return on assets analyzed earlier. Days sales in inventory for Ford in 2011 was only 19 days – meaning the company could convert inventory to sales in less than 3 weeks. Like return on assets, the acceptable level of inventory convertability varies drastically from one industry to another. (Wahlen et  al, 2008) In recent years, automotive companies have averaged over 60 days for this inventory ratio. Ford’s 2013 days sales in inventory was almost 90 days and increased by 26% to over 100 days in January of 2014. These increased numbers are likely a result of the slow economic recovery and consequential decrease in car sales. (Young, 2014) Operating performance and profitability ratios, including fixed asset turnover ratio and operating performance ratio, also show financial strength for Ford Motor Company. The fixed asset turnover ratio of 5.62 shows that the company is able to generate significant revenues from fixed assets, i.e. property, plant, and equipment. Ford’s operating performance ratio of 15.06 also shows that the company is performing strongly. Ford’s price-earnings ratio of 3.15 means the company’s stock was trading at 3 times the earnings value as of December 31, 2011. This shows that investors were willing to pay 3 times its worth to own Ford stock, signifying that earnings growth was expected. The market-to-book ratio of 4.23 means that the market value of the stock is 4.23 times the book value of the same stock. In other words, Ford’s stock was overvalued in excess of 4 times its book value. Crucial Factors Many crucial factors play a role in analyzing a company’s financial situation. Some of these factors are internal – such as management, particularly changes in management, and the business model. Other factors are external – examples include governmental action, competitors, and the overall economic state. The above analysis of Ford Motor Company incorporated numerous crucial factors when interpreting the selected ratios and their piece in the overall financial health of the company. Conclusions Overall, Ford Motor Company seems to be in good financial health as of the end of 2011. Both short and long term solvency are strong, particularly when marketable securities are included in the cash ratio calculation. Ford’s capital structure is heavily tilted towards creditors, though this is likely due to the governmental bailout and lack of investors in the slowly recovering stock market. Return on assets and return on equity are both  impressive, particularly when compared to data from the previous year. In 2011, Ford had excellent asset and inventory turnover statistics. Unfortunately, these have since declined – most likely due to the decrease in automotive sales in today’s slowly recovering economy. Operating performance and profitability standards both show financial strength and good performance, though the financial market measures indicate that investors may be more ambitious than they should be about the performance strength. References (2012). Profitable growth for all: Ford motor company 2011 annual report. Retrieved from Ford Motor Company website: http://corporate.ford.com/doc/2011 Ford Motor Company AR_LR.pdf Debt/equity ratio. In (2014). Investopedia. Retrieved from http://www.investopedia.com/terms/d/debtequityratio.asp United States Securities and Exchange Commission, (2012).Ford motor company 10-k . Retrieved from Ford Motor Company website: http://phx.corporate-ir.net/phoenix.zhtml?c=87772&p=irol-SECText&TEXT=aHR0cDovL2Fwa S50ZW5rd2l6YXJkLmNvbS9maWxpbmcueG1sP2lwYWdlPTgwODI3MDYmRFNFUT0wJlNFUT0wJlNRREVTQz1TRUNUSU9OX0VOVElSRSZzdWJzaWQ9NTc= Wahlen, J., Baginski, S., & Bradshaw, M. (2008).Financial reporting, financial statement analysis, and valuation. (7th ed.). Mason, OH: South Western CENGAGE Learning. Young, A. (2014, Feb 13). Us new auto inventories highest since ’09; gm, volkswagen top list; kia, hyundai up most; toyota stock at ‘healthiest’ level. International Business Times, Retrie ved from http://www.ibtimes.com/us-new-auto-inventories-highest-09-gm-volkswagen-top-list-kia-hyundai-most-toyota-stock-healthiest

Sleep Loss On Attention And Cognitive Performance Essay

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Moral Rules Vs. Morality Essay - 1580 Words

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St. Jude Childrens Hospital Outline - 1114 Words

St. Jude Children’s Research Hospital, Finding Cures. Saving Children. Moises Sandoval. Specific Purpose: To persuade the members of my audience in becoming a Partner in Hope by donating/volunteering to St. Jude Children’s Hospital. Thesis Statement: Since 1962, St. Jude hospital has been a symbol of hope for children and families in the need. As one of the world’s premier pediatric cancer research centers, St. Jude hospital continues to provide the quality of research and treatment relying on the support of many donors to continue its lifesaving mission of finding cures and saving children. Organizational Pattern: Monroe’s Motivated Sequence. Introduction (Attention) I. Attention-Getting Device—Eggs dynamic: Draw†¦show more content†¦Jude Children’s Research Hospital, who founded it, its mission, allocation of the funds coming from donations, research, statistics and ways to help. Body I. Need: Direct my audience to understand the situation of the children suffering of cancer in St. Jude Children Hospital and motivate them to volunteer or donate. 1. Cancer, one of the most feared words in our vocabulary of this time, especially in childhood. Most people when thinking of childhood cancer thiks about very young children, although a Nation Institute of Health Policy concerning inclusion of children in clinical research defines children as being younger than twenty-one years of age while the Food and Drug Administration considers children to be fifteen years and younger. 1. St. Jude Children’s Research Hospital is one of the premier pediatric cancer research centers in the world. 2. St. Jude Children’s Research Hospital has helped drive overall cancer survival rates from less than 20 percent to more than 70 percent, and the survival rate for acute lymphoblastic leukemia, the most common form of pediatric cancer, from 4 percent to 94 percent. 1. Most cancers incidence peak among children occurs during the first year of life. Some of the most well-known nationwide childhood cancers are leukemia, brain cancer, and o ther central nervous system cancers. The side effects of treatment, which range from heart disease to brainShow MoreRelatedSwot Analysis25582 Words   |  103 Pagesprinciples of the Bangarra–Swans ‘Cousins’ relationship? Are they very different to the principles involved in a more conventional sponsorship? 4 | Choose another sponsorship relationship of which you are aware. Indicate the sponsor and the sponsee, and outline the elements and/or principles of this sponsorship. Compare and contrast this sponsorship relationship with the Bangarra–Swans ‘Cousins’ relationship. 5 | One of the key synergistic linkages between Bangarra and The Swans is their acknowledgment of

Poetry Analysis for you Essay Example For Students

Poetry Analysis for you Essay The author classifies men into four different categories to persuade his father to realize that no matter the life choices, consequences, or personalities, there is a reason to live. It is possible that the author used these categories to give his father no excuses, regardless of what he did in life. In the poem To an Athlete Dying Young, A. E. Houseman makes a quite different approach on death. People have different perspectives on death, but more often than not, it is viewed as an undesirable event that people wish to avoid. The speaker in he poem, praises a young and famous athlete for dying before he became old and forgotten. To an Athlete Dying Young is definitely a thought-provoking poem that allows the readers to think about the meaning of life and death. Houseman achieves this by using form and rhyme scheme, sound, and figurative languages such as metaphors and similes. I feel as though in To an athlete dying young, the author is trying to get at a younger audience, and in Do not go gentle into that good night, Dylan Thomas is writing for an older, wiser audience. For instance, in Do not go entitle into that good night, Thomas said: Though wise men at their end know dark is right (4) meaning wise, older people know that dying is right and natural. I feel as when reading To an Athlete Dying Young, A. E. Houseman used words like shoulder- high (4,6), And gaze (26), To really get the reader to imagine the great victory of the athlete, however, I feel like in Do not go gentle into that good night, Dylan Thomas used the phrase Do not go gentle into that good night (1 2, 18), to get the idea that death is against the speaker into the readers head.

Symbology in Sir Gawain and the Green Knight Essay Example For Students

Symbology in Sir Gawain and the Green Knight Essay Sir Gawain and the Green Knight Symbology Trimmed with gold, it was green silk, embroidered with stones, but only at the edges (Anonymous SGGK, 1832). The beautiful green belt, which Gawain received from the Hosts wife, represents Gawains weakness. One of the rules of the Round Table was to show no fear, which Gawain did exceptionally well. He, as well as the other knights, were expected to be fearless warriors who value their lives above no other. But of course, any human cant be expected to dot his for we all love life too much. The Green Knight forgives him for this, But you failed a littlefor love of your life. I can hardly blame you (SGGK. 2366,2368). Gawain is humiliated by his weakness; he threw it to the green man (SGGK 2377) and said Take the faithless thing, may it rot (SGGK 2378). He feels he has failed. Fear of your blow taught me cowardice, brought me to greed (SGGK 2374). So as a way of remembering the weakness and error (SGGK 2435) that he displayed, he vowed to always wear the belt. The function of the Green Knights belt was to show the readers that no one is immune to temptation. But when you do make a mistake based on your weakness, you should admit to it. Everyone has a weakness. NO one is perfect. Not even a knight of Arthurs table. We will write a custom essay on Symbology in Sir Gawain and the Green Knight specifically for you for only $16.38 $13.9/page Order now Anonymous. Sir Gawain and the Green Knight. USA :Mentor, 1970 Bibliography: Anonymous. Sir Gawain and the Green Knight. USA :Mentor, 1970 .