Use The Online Will Writing Service For Your Best Results

<h1>Use The Online Will Writing Service For Your Best Results</h1><p>The online will composing administration is a surprising method to improve your exhibition as a will author. Probably the best error that individuals make with regards to wills is being up to speed in the feeling existing apart from everything else when keeping in touch with them. Despite the fact that it might feel great to record them, you should let the feelings and not become involved with the second and really consider the general impact of the will in the end.</p><p></p><p>Writing a will can be an agonizing encounter on the off chance that you have no clue about what you are doing. This is the motivation behind why an expert will composing administration can be exceptionally useful. It will do all the legwork for you with the goal that you are allowed to concentrate on the reasonable side of your composition. The outcomes will represent themselves.</p><p>&l t;/p><p>Once you've composed the will, it's imperative to remain concentrated on the genuine snapshot of recording it. A great many people will in general have short recollections, which can be damaging with regards to a distressing circumstance like a will. The online will composing administration will assist you with remaining concentrated on the primary concerns of the will, not on the torment of composing it down.</p><p></p><p>You'll see that the most ideal approach to compose a will is to work with an expert who has indistinguishable interests from you and has had comparable circumstances as you have had before. You would prefer not to utilize indistinguishable words from someone else in the will, or utilize a similar jargon as another will author, so work with somebody who you know truly well. They will have the skill and you'll have the inspiration to succeed.</p><p></p><p>A expert will composing administration will giv e you direction and information from the beginning. They will give you tips on the most proficient method to structure your will and furthermore offer you guidance on the best way to gather speed. They will likewise give all of you the assets that you should be fruitful voluntarily composing and assist you with improving as an author and editor.</p><p></p><p>online will composing administration Some of the most significant interesting points when you are composing a will incorporate whether to utilize a legitimate name, regardless of whether to name your kids, whether to permit separate or just compensation provision, whether to name your memorial service home and to what extent to live. By utilizing an expert will composing administration you will have the option to set up the will and afterward totally alter it once you've marked it.</p><p></p><p>You will figure out how to utilize the web to its maximum capacity so as to compose a wi ll. Utilizing the web to compose a will permits you to keep all your own records together in one simple to look through arrangement. When you've finished your first will composing administration you'll see the distinction in your degree of productivity.</p>

Adolescent Psychology Topics For Research - Finding Great Articles Online

<h1>Adolescent Psychology Topics For Research - Finding Great Articles Online</h1><p>You can utilize diverse article composing and research papers in your undergrad, graduate or doctoral program just as in your temporary position projects to compose on immature brain science subjects for look into. This exploration subject can be important for your region of study and this is the main way you will have the option to look into the theme appropriately. There are various acceptable online articles that will assist you with finding out about these points and assist you with composing a compelling article.</p><p></p><p>The initial step to guarantee that you have comprehended your theme altogether is to discover articles on pre-adult brain science subjects for inquire about that will help you recorded as a hard copy an article. There are a few destinations on the web where you can discover articles from specialists in this field. They have given th e data on the point in a short article that is straightforward. This will make it simple for you to comprehend the substance and remember it for your exploration paper.</p><p></p><p>The articles will likewise give important data on what to expound on in your examination paper. The articles will control you recorded as a hard copy the article with a significant message to convey to your crowd. This is the initial segment of the exploration paper in which you will compose a short outline of the article and why it is significant for you to understand.</p><p></p><p>Then the article will give the foundation data that you have to remember for your examination paper. By remembering the foundation data for the article, you will increase a superior comprehension of your subject and along these lines you will have the option to compose an exact article.</p><p></p><p>The article ought to be written in a first individual pr onoun and is written in the current state. It ought to be short and brief with the goal that it tends to be handily perused by your crowd. The article ought not be written in an abstract style and it ought not contain mistakes that will make the peruser confused.</p><p></p><p>Always give the most significant subtleties in your article and furthermore give enough data on your theme. Research papers on different themes will require your intended interest group to give subtleties to respond to the examination addresses you are inquiring. By remembering this data for your article you will have the option to assist your crowd with making the correct choices and this is the thing that makes an incredible research paper.</p><p></p><p>Writing an article on immature brain science themes for research can be testing and you may require some assistance from a specialist in this field to guarantee that your article is elegantly composed and loaded up with significant data. Utilizing the master help that is accessible online can assist you with discovering articles that you can use to get the article composing right. The articles that you use will assist you with ensuring that you have composed a decent article with significant information.</p>

Help With Writing-College Research Papers

Help With Writing-College Research PapersCollege research papers are the most time consuming part of a student's undergraduate course of study. With many long hours of homework to do, and an increasing time crunch, help with writing college research papers can be the difference between passing or failing a test.It is probably easier than you think to turn school work into a piece of paper, if the student is on their game. Writing college research papers is more than just writing, it is about planning, thinking, researching, compiling information, reading papers, writing it all down. It may seem daunting to even begin, but students need to be prepared for the results, which is the last step in writing college research papers.Before a student starts writing college research papers, they need to have some idea of what they want to write about. They should try to come up with an idea of what they want to write, as well as the topics they would like to cover. They should also be aware of the times when they will need to write and how many pages they will need to write. Every college has its own requirements, so it is important that a student knows the basics of how to write college research papers.For help with writing college research papers, there are various resources available. Online textbooks and research guides are available from the library, local bookstores, and the Internet. Also, since much of the work is already done for the student, they can use this time to brainstorm and determine the topic that interests them most. Research books are a great resource for students who want to learn to research.Students should use the online resources to determine how to format the paper and also learn to write research papers that are efficient. There are many formatting and style guides available online, and the student can find these tips useful in learning how to present their writing.Help with writing college research papers comes in different forms. The more fami liar the student becomes with the writing process, the easier it will be to get to the final draft. Many college students have read large chunks of several different types of paper. Therefore, they are familiar with the formatting and style guidelines of these papers, as well as the process of editing.Help with writing college research papers comes in the form of writing workshops. Usually offered by a college writing professor, workshops are an excellent way for a student to learn to write in a formal manner. Students learn not only how to write college research papers, but also how to structure papers, revise the paper, and edit to perfection.Students should find help with writing college research papers online, as there are many ways to do this. Most people who do this sort of work are generally very knowledgeable about it, and so their opinions on the matter will generally be valuable. With the proper research and work, a student can succeed at writing college research papers.

The War Against Independent Essay Topics Toefl

<h1> The War Against Independent Essay Topics Toefl </h1> <h2> Independent Essay Topics Toefl Help! </h2> <p>You don't must have a lot of explicit information on any theme to be effective. The point will be a thorough shock. By and by, the points will in all likelihood be fundamentally the same as by and large. Picking excellent paper subjects for center school should be a cautious method, where an equalization should be struck between points that may be excessively shortsighted, increasingly perfect for the key school, and picking contentious exposition themes that could be excessively detailed or disputable. </p> <h2> The War Against Independent Essay Topics Toefl</h2> <p>Indeed coming clean is the principle thought in any association between individuals. With the help of innovation, life is simpler today than previously. A few people imagine that the best methods for finding out about existence is by tuning in to the assistance of relatives and companions. 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Report About Financial Analysis About Etisalat Uae Finance Essay - Free Essay Example

Etisalats UAE unit remains the primary contributor to Etisalats overall value with a respective weight of 88.8%. The UAEs growing expatriate population is driving, in particular, the mobile segment of Etisalats operation, which constitutes the bulk of Etisalats overall revenue. They forecast that Etisalats focus on mobile net subscriber acquisition should become secondary, as they believe that it will focus more on providing value-added services to retain its high net-worth customers and sustain its mobile ARPU. Throughout our forecast period, they believe that internet and broadband subscribers will be the next revenue growth driver, with broadband subscribers capturing the bulk of this growth. Competition in the local market: Despite skepticism concerning sustained mobile subscriber growth at a time when penetration rate in the UAE was already 130% at the end of 2006, with the launch of du, the second mobile operator in February 2007, quarterly net mobile subscriber additions for the total market almost doubled, reaching an approximate 570,000 per quarter during 2007, compared to an average of 247,000 subscribers per quarter in 2006. They do not expect to witness a price war between the two UAE operators in the short term, given the significantly smaller scale of operations that du manages, compared to Etisalat. Given that the level of technology deployed by both operators is similar, they believe that the quality and diversity of bundled services and promotions will be the base for competition in the short term. Consolidation of international operations: Throughout 2007, Etisalat increased its stakes in most of its international operations, enabling it to fully consolidate them into its financial statements which, they believe, will increase the value of Etisalat in the medium to long term. In the short term, however, they expect Etisalats operational performance to decrease or slow down, as most of these operations are still loss making. Strong cash position: Prior to 2006, Etisalat had no debt on its financial statements, generating all of its cash needs internally. However, with Etisalats increased focus on its international operations, management adopted an external financing policy to fund its growth strategy in these countries. On the other hand, despite Etisalats new debt policy, net debt/EBITDA remains negative, implying much more room for additional debt capacity and improved weighted average cost of capital. Foreign stock ownership ban: Currently, Etisalat is in discussions with both the UAE government and the capital market authorities to change it to a corporation governed by commercial law. If Etisalat obtains approval to change to a corporation licensed by commercial law, then it would become eligible for foreign ownership. Currently, only UAE nationals are allowed to trade the stock. In the event that the foreign ownership ban is lifted, they anticipate a rise in turnover and share price. Objective of the company. Profile: Etisalat has been the telecommunications service provider in the UAE since 1976, and has built up a modern telecom infrastructure and established itself as an innovative and reliable operator.   Etisalat stands 140th among the Financial Times Top 500 Corporations in the world in terms of market capitalization, and is ranked by The Middle East magazine as the 6th largest company in the Middle East in terms of capitalization and revenues. The Corporation is the largest contributor outside the oil sector to development programs of the UAE Federal Government, and is an award-winning socially responsible corporation. Etisalat has also won accolades from across the region for its nationalization program.   Apart from enabling the nation with basic telecommunication services, Etisalat also offers a range of innovative and modern services that have served to position the UAE as one of the most advanced nations in terms of telecom services. Mobile users enjoy the benefit s of excellent voice and data applications like WAP, GPRS, 3G, MMS, Push To Talk, BlackBerry services and others. Enterprise and individual customers on the fixed-line network also benefit from services such as ATM (Asynchronous Transfer Mode), Frame Relay, VSAT and ISDN.   The Corporation offers fixed line services over the Next Generation Network, and has been migrating sections of its users onto the advanced network. The timeline for completion of migration is the end of 2007. By establishing NGN, Etisalat will be able to offer voice, video and data over one single source, enabling true Triple-Play functionality.   Mobile subscribers exceeded 4.5 million by the end of 2005, up 23% from 2004. This represents penetration of nearly 100 per cent, a remarkable figure regionally and internationally. Internet and broadband penetration also witnessed huge growth during 2005, with penetration at almost 51%. Etisalat has concluded roaming agreements with over 265 operat ors, and even Etisalats prepaid mobile subscribers can roam in many of these networks.  In 1982, Etisalat was the first telecom operator in the region to introduce a mobile phone service, and was one of the early adopters of GSM technology, introducing it to customers in 1994. Since then it has established itself as a regional pioneer by introducing both 3G and MMS in 2003, and most recently, the BlackBerry service in 2006. Vision: A world where peoples reach is not limited by matter or distance. People will effortlessly move around the world, staying in touch with family, making new friends as they go, as well as developing new interests. Businesses of all sizes, no longer limited by distance, will be able to reach new markets. Innovative technologies will open up fresh opportunities across the globe, allowing the supply of new goods and services to everyone who wants them. Mission: To extend peoples reach. At Etisalat, we are actively developing advanced networks that will enable people to develop, to learn and to grow. The Future. A world in which technology extends our reach. Already, music, books and services no longer have to have a physical format to be sold online. Advanced networks will increasingly provide education, healthcare and other services and goods. For instance, telemedicine already allows patients to seek the best advice from doctors around the world; now robotic aids are beginning to make remote surgery possible. As the pace of technological change increases, Etisalat will extend its reach into new technologies, services and markets to create opportunities for our customers. Business Divisions: Etisalat University College UAEnic (United Arab Emirates Network Information Center) e-vision Ebtikar The Contact Centre e-Academy Subsidiaries: E-marine. Etisalat has been in the submarine cable business since 1990 through an in-house cable maintenance division. In 1998, this activity was spun off as an independent entity incorporated into Emirates Telecommunications and Marine Services FZE (e-marine). The next phase of growth and development for e-marine is the planned restructuring of the business with a proposal to offer a share of its equity to strategic partners. Partnerships will complement the companys existing strengths, open up new markets, and enhance regional coverage. Specific plans for 2007 are in place with the scheduled delivery in July of a multi purpose DP2 Vessel, which will serve mainly in the lucrative offshore oil industry. In the third quarter, the berthing arrangements on the Arabian Gulf will be shifted to a new port with a much larger depot. A second berthing/depot facility is under construction on the Arabian Sea in Oman and when commissioned in the fourth quarter will extend e-marines reach to the Red Sea, down the coast of East Africa and further into the Indian Ocean. Emirates Cable TV and Multimedia E-Vision: E-Vision is the UAEs leading cable TV provider, offering close to 200 channels in over 21 languages and offering diverse programming suited to the diverse population base of the UAE. With the basic package alone containing 85 channels, and other options including Showtime Cable, Orbit Vision, ART, Firstnet and Pehla, E-VISION is the most comprehensive cable TV provider in the Middle East. Service is now available in Abu Dhabi, Dubai, Sharjah, Ajman and Al-Ain, and is expected to be rolled out across the nation soon. Emirates Telecommunications and Marine Services FZE- e-marine. E-marine operates in the field of submarine cable installation, maintenance and repair throughout the region and beyond. E-marine is the only company of its kind in the Middle Eastern region, and handles regional and international projects with ease. This subsidiary owns three fully equipped cable ships and a modern cable depot in Abu Dhabi. Major international projects have been undertaken by e-marine including the recent block-2 of the SMW-4 cable, FOG and FLAG. Carrier and Wholesale. Etisalats Carrier Wholesale Services Division (CWS) is dedicated to delivering a comprehensive portfolio of high quality wholesale services, extending the reach of mobile operators, carriers and ISPs globally. We operate the regions most extensive international network, with direct links to over 118 destinations; an international mobile network that reaches over 450 destinations. We are the regions largest internet hub and the regional hub for intercontinental cable systems. CWS also provides national wholesale services to the UAE competitive market. Etisalats Carrier Wholesale Services Division provides the following services: e-Voice e-Mobile Emix IP Transit Services e-Capacity e-Connect e-Broadcast ETISALAT INTERNATIONAL: Etisalat management recognizes the importance and responsibility of balancing profitability and growth with long-term sustainability. Over the last five years, the Corporation has continued its high growth trajectory and ha s been progressively looking beyond the borders of the UAE. All of these initiatives are geared towards fulfilling its vision of joining the league of major telecommunication players in the world.   Its core strategy for market selection remains woven around low penetration and high population. This is backed by strong market research on high growth potential, consumer behavior, and value creation opportunities. Today, customers demand not only basic services but also want to take advantage of the value chain in terms of product and service segments. Innovative technology offerings from Etisalats stable produce a strong me too element. Etisalats UAE strategy of delivering the latest technology has established its reputation across the world, so its subsidiaries find it easier to enter new markets. As a result, Etisalat is warmly welcomed as a new entrant whose new products and services are eagerly anticipated. As it expands its global footprint, the Cor poration has been conscious of ensuring that it optimizes the synergies existing in regional markets such as the Middle East or West Africa. In addition, it encourages sharing lessons learned in one operation with others. It has effectively utilized its experience of setting up Greenfield operations in Mobily in Saudi Arabia to the market in Egypt. This ensured Etisalats Egyptian operations passed the 1 million subscriber mark within 50 days of starting operations. Over the years, Etisalats brand equity has grown in profile. In order to leverage its strong brand, the Corporation launches all Greenfield projects under the Etisalat brand. However, in acquired assets where there is an existing strong brand (like Moov in West Africa), it nurtures and strengthens the existing brand. In 2007 Etisalat acquired new assets and consolidated its position in existing markets. It entered two new and exciting markets Nigeria and Indonesia. With their large populations and relativel y low penetration, these markets match Etisalats core corporate strategy perfectly. Aligned with the Corporations mission of extending peoples reach, other promising additions to Etisalats investment portfolio can be expected in 2008 and beyond. FINANCIAL STATEMENT ANALYSIS Financial ratio analysis is an important topic. It is widely used to summarize the information in a companys financial statements in assessing its financial health. In todays information technology world, real time financial data are readily available via the Internet. We can use several tools to evaluate a company, but some of the most valuable are financial ratios. Ratios are an analysts microscope: they allow us get a better view of the firms financial health than just looking at the raw financial statements. Ratios are useful both to internal and external analysts of the firm. For internal purposes: ratios can be useful in planning for the future, setting goals, and evaluating the performance of managers. External analysts use ratios to decide whether to grant credit, to monitor financial performance, to forecast financial performance, and to decide whether to invest in the company. Calculating financial ratios is a pointless exercise unless we understand how to use them. One overriding rule of ratio analysis is this: A single ratio provides very little information, and may be misleading. We should never draw conclusions from a single ratio. Instead, several ratios should support any conclusions that we make. With that precaution in mind, there are several ways that ratios can be used to draw important conclusions. With this Financial Statement Analysis Tools post series, describe what financial ratios are and who uses them, define the five major categories of ratios (liquidity, efficiency, leverage, coverage, and profitability), calculate the common ratios for any firm by using income statement and balance sheet data, use financial ratios to assess a firms past performance, identify its current problems, and suggest strategies for dealing with these problems, calculate the economic profit of a firm. We will look at many different ratios, but you should be aware that these are, of necessity, only a sampling of the ratios that might be useful. Furthermore, different analysts may calculate ratios slightly differently, so we will need to know exactly how the ratios are calculated in a given situation. The keys to understanding ratio analysis are experience and an analytical mind. We will divide our discussion of the ratios into five categories based on the information provided: Liquidity Ratios, describe the ability of a firm to meets its current obligations. Consisted of: The Current Ratio= (current assets / current liabilities) The Acid Test Ratio= (current assets-inventories/current liabilities) Average Collection Period= (account receivable/daily credit sales)   Efficiency Ratios, (profitability) describe how well the firm is using its investment in assets to produce sales, consisted of: Inventory Turnover Ratio= (cost of goods sold/ inventory) Fixed Asset Turnover Ratio= (Sales/ net fixed assets) Total Asset Turnover Ratio= (sales / total assets) Account Receivable Turnover= (credit sales/ account receivable) operating income return on investment = ( operating income / total assets)   Leverage Ratios, (Financing decision) reveal the degree to which debt has been used to finance the firms asset purchases, consisted of: The Total Debt Ratio= (total Debt / total assets) Times interest earned= (operating income / interest expense) Return on equity = ( net income / common equity ) Return On Equity (ROE) it shows how are the firms mangers are maximizing shareholder welth. ROE = (net income / common equity ) statement. And here are Income Statement and Balance Sheet of ETISALAT for the years 2006, 2007, 2008 and 2004 as data source  we are going to use through this main topic.   The Income Statement. The income statement is a fairly simple document that begins by listing a firms revenues (perhaps by sources or in total) followed by all of the firms expenses. The result of the income statement is the net income for the period. Net income represents the accounting profit left over after all expenses have been paid from the revenue for the period, and below is the ETISALATs Income Statement for the year of 2006, 2007, 2008 and 2009. INCOME STATEMENT Figures in AED million 2006 2007 2008 2009 Revenues 16,290 21,340 27,095 33,156 Total Operating Expenses -10,694 -14,730 -19,228 -23,173 Total Operating Income (EBIT) 5,596 6,610 7,868 9,983 Depreciation -1,391 -1,368 -2,147 -2,487 Amortization -6 -594 -672 -668 EBITDA 6,993 8,571 10,686 13,139 Interest Income 476 623 722 868 Interest Expense -262 -503 -426 -349 NPBT 5,810 6,843 8,114 10,448 Deferred Tax 0 -122 -122 -122 Net Income Before Minority Interest 5,810 6,720 7,991 10,326 Minority Interest 50 576 390 389 Net Income 5,860 7,297 8,381 10,715 Income Statement: The Balance Sheet: The balance sheet is usually divided in two sections: the assets section at the top or left side, and the liabilities and owners equity section at the bottom or right side. It is important to realize that the balance sheet must balance (thus the name). That is, total assets must equal the sum of total liabilities and total owners equity. Each of these sections is usually further divided into subsections. On the asset side, there are two subsections. The current assets section describes the value of the firms short-term assets. Short-term, in this case, is defined as one year or the time it takes for the asset to go through one cash flow cycle (i.e., from purchase to sale to collection). Typical current assets are: cash, accounts receivable, and inventories. Fixed assets are those assets with lives longer than one year. Examples of fixed assets include vehicles, property, buildings, etc. Like assets, liabilities can be subdivided into two sections. Current liabilities are those l iabilities that are expected to be retired within one year. Examples are items such as accounts payable, wages payable, etc. Long-term liabilities are those that will not be paid off within the current year. Generally, long-term liabilities are made up of various types of bonds, bank loans, etc. Owners equity represents the difference between the value of the total assets and liabilities of the firm. This part of the balance sheet is subdivided into contributed capital and retained earnings. Contributed capital Bali Cumberland is the investment made by the common and preferred stockholders of the firm. Retained earning is the accumulation of the undistributed profits of the firm. And below is the ETISALATs Balance Sheet for 2006, 2007, 2008 and 2009. Balance Sheet Figures in AED million 2006 2007 2008 2009 Cash 10,304 9,433 14,025 17,657 Receivables 1,091 2,047 3,762 4,509 Stores 66 175 222 272 Other Current Assets 2,093 1,246 1,139 1,276 Total Current Assets 13,553 12,901 19,149 23,713 Net Fixed Assets 8,496 11,876 14,155 15,490 Other Long Term Assets 23,859 27,671 27,949 27,086 Total Long Term Assets 32,355 39,547 42,104 42,576 Total Assets 45,908 52,448 61,253 66,289 Short Term Debt 0 343 3,874 775 Payables 8,568 13,231 14,212 17,212 Other Current Liabilities 5,037 4,092 4,321 4,459 Total Current Liabilities 13,605 17,665 22,408 22,447 Total Grey Area 2,208 1,838 1,448 1,059 Long Term Debt 6,981 3,141 2,635 1,860 Other Long Term Liabilities 3,928 5,746 5,618 4,658 Total Long Term Liabilities 10,909 8,887 8,253 6,518 Net Worth 19,187 24,057 29,144 36,265 Total Liabilities and Equity 45,908 52,448 61,253 66,289 Balance Sheet Graph. Cash Flow Statement: Cash Flow statement Figures in AED million 2006 2007 2008 2009 Net Profit 5,859,747 7,296,644 8,664,984 8,546,432 Depreciation 1,391,349 1,368,182 1,708,289 2,113,870 Amortization of licenses 5,729 593,756 809,283 982,956 Other adjustments (538,352) (896,711) (2,423,411) (289,594) Operating cash flows before change in Working capital 6,718,473 8,361,871 8,759,145 11,136,663 Stores 38,688 (46,960) (27,638) (40,569) Debtors and Prepayments (375,655) (262,364) (494,944) (875,115) Amounts due from/to other telecom Administrators (81,008) (353,675) (503,094) (235,572) Creditors and Accruals 2,208,252 3,175,454 3,119,591 (930,109) Net cash from operating activities 8,508,750 10,874,326 10,853,060 9,055,298 Proceeds from disposal of an investment 2,324,994 Investments (4,823,902) (2,488,938) (2,128,196) (1,968,950) Intangibles (706,396) Dividends Received 259,796 194,931 136,371 Purchases of fixed assets (1,432,084) (3,460,275) (3,661,196) (2,641,489) Acquisition of Subsidiaries (754,466) (875,560) License Fees Paid (11,236,127) (126,696) (1,399,501) Interest income received 475,704 622,715 425,804 677,692 Net cash used in investing activities (16,756,613) (6,012,729) 2(2,902,223) (6,914,203) Due from Associates 1,174,579 (256,616) (123,845) Loans to associates (422,105) 10,287 Loans installment repaid by associates 130,495 Advances/loans from investment partners 2,088,485 57,804 180,665 Repayment/ proceedings 6,980,600 (4,131,956) (2,164,545) 2,468,430 Amounts contributed by minority share holders 2,175,321 124,165 Finance cost paid (129,038) (443,462) (413,564) (424,646) Dividends Paid (2,041,875) (2,835,938) (3,244,312) (5,600,362) Net cash from financing activities 8,651,338 (5,924,313) (5898,372) (2,472,236) Net change in cash 403,525 (1,062,716) 2,052,465 (331,142) Beginning cash 9,658,510 10,304,033 9,432,564 11,294,868 Exchange differences on translations Of overseas operations 241,998 191,247 (190,161) Cash at end 10,304,033 9,432,564 11,294,868 10,963,726 Trend Analysis TREND ANALYSIS Trend analysis provides signals as to whether the companys financial health is likely to improve or deteriorate. The trend analysis based upon the following financial ratios: Leverage Ratios: to measure the extent to which the companys assets are financed with debt Liquidity Ratios: to measure the companys ability to pay its bills Profitability Ratios: to measure the companys ability to generate earnings Efficiency Ratios: to measure the companys ability to utilize its assets Market Value Ratios: to measure the market perception about the companys future prospects. The downloaded four years balance sheets and income statements are to be used to calculate the financial ratios. For example, four leverage ratios (Debt/Equity, LT Debt/ Cap, LT Debt/Tot Debt, and LT Debt/Tot Assets) are reported, but the interest coverage ratio (= earnings available for interest/interest expenses) is missing in the DJI. Students are required to obtain the earnings and interest expenses information from the income statements and calculate this ratio to measure the companys ability to service the debt. In the area of liquidity, current ratio (= current assets/current liabilities) and quick ratio (= quick assets/ current liabilities) are reported, but the interval measure (= quick assets/daily operating expenditures) is not. Students are required to obtain quick assets (= cash equivalent + receivables) from the balance sheets and operating expenditures from the income statements, and calculate this ratio to measure how long the company can keep up with its bills using only existing quick assets. FACT SHEETS: Fact Sheets 2006 2007 2008 2009 Liquidity Ratio Current Ratio 1.0 .7 .7 .9 Acid test ratio NA NA NA NA Average collection period NA NA NA NA Efficiency Ratios Inventory Turnover Ratio= NA NA NA NA Fixed Asset Turnover Ratio= 1.92 1.79 1.91 2.14 Total Asset Turnover Ratio= 0.35 0.41 0.44 0.5 Account Receivable Turnover= NA NA NA NA Operating income return on investment 12.1% 12.6% 12.8% 15% Leverage Ratios The Total Debt Ratio= Times interest earned= 21.4 13.1 18.4 28.6 Return On Equity ROE Growth Rate of Etisalat. Profitability Ratio. Liquidity Ratio Activity Ratio Conclusion: Despite intense competition and global market conditions, Etisalat has reported consolidated revenues of AED 26.21 bn in 2008 an increase of 22.4% over 2007revenues. Revenue from international operations increased by 14.7% and formed 9% of groups revenue. With the UAE mobile market approaching saturation, the belief is that the mobile operators will focus on high quality value added services. The migration to NGN (Next Generation Network) in UAE will enable Etisalat to further introduce more value added services. It is believed that UAE will still be the revenue driver for Etisalat. A strong financial position will enable Etisalat to continue pursuing its expansion strategy and eye strategic acquisition. The share of international operations of the groups is expected to grow as well as the revenues generated by them which is clear from the fact sheets above. With the launch of du, the second mobile operator in February 2007, quarterly net mobile subscriber additions for th e total market almost doubled, reaching an approximate 570,000 per quarter during 2007, compared to an average of 247,000 subscribers per quarter in 2006. They do not expect to witness a price war between the two UAE operators in the short term, given the significantly smaller scale of operations that du manages, compared to Etisalat. Given that the level of technology deployed by both operators is similar, they believe that the quality and diversity of bundled services and promotions will be the base for competition in the short term.

Examples of Rubrics For Essay Writing

Examples of Rubrics For Essay WritingExamples of rubrics for essay writing can be a great tool for an essay writer. While some will agree that they are hard to read, there are other people who believe they are helpful and productive in helping them write more effectively. There are many reasons why people might like rubrics for essay writing. If you are interested in finding the best ones, continue reading this article to learn what they are and what to avoid.Essay writers like to use rubrics because they have a common problem when writing. This problem is called the author's block and is usually associated with people who have trouble finishing a specific assignment. Most of the time this problem stems from the fact that they are not sure where to start when writing. After a few drafts, they finally find the right structure and think that they have it all figured out.The biggest problem associated with author's block is when you sit down to write your essay. Some people immediately start working their way through the examples of rubrics for essay writing, while others never really finish it. The reason is that they are afraid to break a rule or they fear that if they do break one, they will look stupid in front of their professor. When you are writing an essay for college, being able to get through it and get it graded without breaking a rule is extremely important.Another reason to use a rubric for essay writing is when you are stuck on something for quite a while, without making any progress. Instead of writing a whole paragraph without anything to write about, you can use a rubric to help you think of an idea. It is okay to have something on hand to remember an idea, but most students like to keep the idea in their heads as long as possible before they write the whole paragraph. When you use examples of rubrics for essay writing, it allows you to be creative with the ideas that come to you instead of letting them become too much to write down.For many peopl e, there is nothing more frustrating than sitting down to write and getting absolutely nothing done. When this happens, many students want to give up on writing altogether. The fact is that you can use examples of rubrics for essay writing to help you get through it.An example of rubrics for essay writing is writing a thesis statement. The statement is something that is very important to the overall essay and should contain an entire paragraph worth of information. Having the words written out and having a rubric to use will make it easier to write.Another example of rubrics for essay writing is the introduction of the essay. Most of the time the introduction will contain one or two paragraphs of introduction, but the writer might want to break that rule. Again, having examples of rubrics for essay writing can help you with that.One more common reason to use rubrics is for determining which paragraphs of the essay need to be broken down into sections. Some people love to break up th e paragraphs so that they can find the right section easier, but the rule can be broken if you find it necessary. Examples of rubrics for essay writing can help you find the right paragraph breaks at a moment's notice.