Why Interest Rates Are Procyclical.

Question:
Using the supply and demand for bonds framework, show why interest rates are procyclical (rising when the company is expanding and falling during recessions).

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Dormitories. Yay Or Nay?

Question:
Should first-year students be required to live in the dormitories?

Answer:

Dormitories are living facilities designed to accommodate students during their studying years at their respected school, college or university. However, not all students are keen to stay in the provided housing due to the many rules and regulations that they should abide during their stay there. In my opinion, first-year university students should be required to live in dormitories in order for them to get used to the new environment and to learn to stand on their own feet.

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Financial Management In Business Perspective.

A prominent feature of large corporations is that the owners (the stakeholders) are usually not directly involved in making business decisions, particularly on a day-to-day basis. Instead, the corporation employs managers to symbolize the owners’ interests and make decisions on their behalf. The financial manager, in a large corporation, must be concerned with the solutions of the three major decisions a firm must make - the investment decision, the financing decision and the working capital management decision.

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The first decision concerns the firm’s long-term investments. The process of planning and managing the firm’s long-term investments is called capital budgeting. In capital budgeting, the financial manager will try to indentify investment opportunities that are worth more to the firm than their cost to acquire. Loosely speaking, this means that the value of the cash flow generated by an asset should exceed the cost of the asset acquired by the firm.

Takaful vs. Insurance.

The article, Conceptual and Operational Differences between General Takaful and Conventional Insurance by Mher Mushtaq Hussain and Ahmad Tisman Pasha, argues that there is a need to ensure the differences between the insurance business under the Islamic system and conventional system. The issues in the article, in my opinion, are structured in a comprehensible and effective manner. It first presents the idea of the need for insurance by describing risk, explaining the fundamental concept of an insurance agreement, and how engaging in an insurance contract results in minimizing the risk involved. Subsequently, the author gives a rather deep facts on Islamic insurance (Takaful) by defining and listing out its various models. The article is then followed by the many differences in the conceptual and operation framework between Takaful and conventional insurance mainly due to elements found in insurance contracts which are prohibited in Islamic transactions, such as uncertainty (gharar), interest (riba), and gambling (maysir).

Source: Google Images

Technology Deteriorates Society Basic Skills.

It is undeniable that the technology has made our life so much easier nowadays as the usage of it is widespread and growing rapidly from time to time. Laptops, smartphones, IPod's, and others has become an essential gadget for daily lives of every human being. Youths today spend too much time on these gadgets, surfing the Internet and text messaging for hours. In my opinion, technology is actually deteriorating the society basic skills as people tend to isolate others around them and real life interaction slowly fades away.

The day that Albert Einstein feared may have finally arrived.
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Islamic Microfinance.

The article titled “Islamic Microfinance: An Ethical Alternative to Poverty Alleviation”, written by Abdul Rahim Abdul Rahman, sets out to show the potential of Islamic financing schemes for micro-financing purposes. According to the author, Islamic finance plays an important role in contributing for furthering socioeconomic development of the poor and small (micro) entrepreneurs without charging interest (riba’). The various ethical schemes and instruments that can be adapted for the purpose of microfinance which is offered by the Islamic finance are intensely conversed in this article. The author argues that the main objectives of microfinance schemes to alleviate poverty and to enable the poor to empower themselves are inline with the four Islamic ethical principles and the economic principles of justice.

Source: Google Images

Humanitarian.

What is humanitarian? Humanitarian is, on the whole, an act connected with or seeking to promote human welfare. Basically, an individual who is devoted to the promotion of human wellbeing and the advancement of social improvements is deemed as humanitarian. There are a lot of other terms used as an alternative for humanitarian such as caring, kind, gentle, compassionate, civilized and charitable. Fundamentally, humanitarian is connected with the practice of saving lives, lessening suffering, and sustaining human dignity.

Source: Google Images

Divorce.

Getting married is one of the essential practice done worldwide from the past itself. It is said that men and women all over the world are destined to live together. However, divorce rates are increasing these days. It is believed to be the only solution when a husband and wife face’s a problem. The main cause of divorce is for the reason that the married couples are in lack of communication, thus, the couple’s splits-up and this directly have an effect on their children’s life.

Cartoons Do More Harm Than Good.

The question was : 'Cartoons do more harm than good. Do you agree or disagree?' And this was my essay . . .

There has never been a child who has not seen cartoons at all during their childhood time as watching cartoons are the most common way for them to pass their free time. Mickey Mouse, Flintstones, Tom & Jerry, Casper, and Scooby Doo were one of the many frequently watched cartoons in the late 90's. Little did the parents know that by allowing their children to watch lots of cartoons, they are actually bringing harm to their own children. Health disorders and bad influence are some of the effects that cartoons can have upon children.

McDonald VS Burger King.

McDonald’s and Burger King are probably the two largest fast-food chains in the United States. No matter where you live, you can almost certainly find one or both of these franchises in your neighborhood. But should you drive the extra miles needed to go to one rather than the other? Since McDonald’s and Burger King offer basically the same food, atmosphere, and service, it doesn’t really matter where you stop to eat.

Academic Qualification Does Not Ensure Success In Life.

The question was : 'Academic qualifications ensure success in life. Do you agree or disagree?' And this was my essay . . .

Too much emphasis is put on academic qualifications nowadays. It is said to be the sole determiner of success in life. In Malaysia, for instance, jobs are secured by only those who achieve well in their academic performance. In my point of view, academic qualification may be vital but it is not the only factor to ensure success in life of an individual as the ability and the willpower of oneself are also the determiners of success.

Success cannot only be measured by academic qualification as the skill and ability of oneself should be considered as well. Skills can be categorized in many ways, for example, social skills, language skills, and computer skills. It is not guaranteed that an individual with the most A’s or perfect grades will get a job as some employers may employ workers based on their skills. This is because academic qualification is solely based on one’s performance in their respected schools, colleges or universities. It is not based on what they are yet to execute in the working environment. Hence, skills are far more important in determining a successful life in the future.

Effects Of Computer Addiction.

I'm supposed to write approximately 250 words, and this essay is about 504 words. I should learn how to cut down the words. Heh ! ;)

It is undeniable that the computer has become an essential gadget for daily lives of every human being. The Internet is an absolute necessity for both adults and children. It is impossible to believe to do anything without the Internet, especially from the youth’s perspective. Youths today spend too much time on the computer, surfing the Internet for hours. Some have become much too addicted and don’t realize that they actually suffer from Internet Addiction Disorder (IAD). Let’s have a look at how computers directly have effects upon youths nowadays.

Cell Phones Among University Students.

Hey-hey, people . . . I'm here once again ! And lagi sekali aku ingin meng-post an essay I did. Kalau before this I did an entry on descriptive essay, kali ini aku buat argumentative essay pula. Aku harap, these essays in one way or another will be beneficial for you people out there. AND, kalau ada silap and salah in my essays, tolong tegur yer ? I like it that way ;)

It is undeniable that the cell phones have become an essential gadget for daily lives of every human being. The cell phone is an absolute necessity for both adults and children. It is impossible to believe to do anything in life without cell phones, even for students. However, the use of cell phones among university students should be controlled because it leads to distractions, misusage and peers pressure.

Coca Cola, An Unintended Invention.

During one of my class at UIA, I was given a task to write an essay about accidental invention. I had to do some background research on any product considered as an unintentionally invented invention into this world and write about it with my own words. Since aku tak boleh nak fikir nak update apa in my blog, I decided ; "Hey, why not I just post an essay I did ?!" Heh ! ;)

It is fascinating to know that the discovery of Coca Cola, one of the prominent soft drinks known today, is invented unintentionally into this world. Initially formulated as a tonic to cure almost everything, the invention of Coca Cola by John Pemberton crawled its way to fame.