Civic engagement experiences Essay Example | Topics and Well Written Essays - 500 words

Civic engagement experiences - Essay Example Some challenges of public concern can only be addressed when people volunteer to serve the community (Sherrod, Purta and Flanagan 368). After finishing my secondary education, I joined a community group of twenty youths and was appointed the chairman. The agenda for the group was to make an effort of solving some of the challenges faced by members of the community. The community was ignorant about HIV/AIDS and the overall hygiene level was below average. As a group we volunteered to organize seminars to educate fellow youths and parents on the causes, effects had how to prevent HIV/ AIDS. We rallied the members of the community to donate funds for supporting the infected persons and the orphaned children.   The donated funds helped the orphans to continue with studies and the infected to afford better. Through this campaign, many people learnt the dangers of the diseases. The community acknowledged that AIDS has no cure and it prevention is abstaining from immorality and being fait hful in marriage. As a result, the spread for the disease declined.As a team, we volunteered to sensitize the community on the importance of maintaining proper hygiene. We donated laundry products and clothes to the poor members of the community. We conducted general cleaning in the neighboring towns regularly. Our campaign on proper hygiene, helped to reduce the number of ailments caused by dirty environment such as malaria and typhoid.   Ã‚  According to Sherrod, Purta and Flanagan (221), Civic engagement has a lot of benefits to the public.

Financial Investment Research Paper Example | Topics and Well Written Essays - 1250 words

Financial Investment - Research Paper Example The principles of time value of money and learning its techniques are the most important concepts for the study and application of finance in general. The concept of interest is divided between simple and compound interest. Simple interest is calculated only by taking into consideration the beginning principal. For instance, if an individual invested $1,000 dollars in a savings account at 5% annual interest, the expected return after one year would amount to a $50 gain on investment. The concept of compound interest unlike simple interest which only takes into consideration the interest return of the initial principal investment is determined by taking into consideration not only total interest on the principal, but it also includes any interest gained on the initial investment. In simple terms, compound interest calculations encompass interest on interest. It is of paramount importance for a finance manager to understand and have a through understanding of time value of money concep ts and its impact on the value of an asset at a specific point of time in order to be successful. Present and Future Value of an Investment For a company one of the most important tools in determination in the time value of money analysis for a specific asset is the cash flows time line. The cash flows time line indicates and helps us visualize when the cash flows related to a particular transaction occur in respect to when the transaction originated. Constructing a cash flow time line will help determine how the timing of cash inputs and outputs will affect the day to day operations of the firm. By utilizing the cash flows time line a person can determine the potential future value of an investment today and how the process of compounding interest on the initial investment affects the total value of the initial investment and its aggregate return on the simple interest. In order to calculate the effect of compound interest in an investment a person needs to use the compound interes t formula (Studyfinance). TV = P1 (1+I)^n TV= total value investment value at the end of n periods P1= initial investment I= interest N= number of periods or years Finance textbooks provide the user with future and present compound interest tables. These tables are calculated in order to simplify the process and provide a guideline to the user with help in determining present and future value of any investment. The tables provided are calculated by determining the value of an initial investment for various time periods and interest rates. The opportunity value of an investment is the rate of return on the best investment alternative taking into consideration the available options of equal risk. On the other side of the coin, the compounded present value of an initial investment is calculated by determining the reciprocal amount of compound interest for the same future period (Studyfinance). Another way of visualizing present value of an investment is to adopt a stance where the init ial investment value is determined by the interest rate and time period of the future investment window. For investors present value calculations determine where individuals invest their limited funds taking into consideration their actual financial performance and risks and overall return. For potential investors present