How Does It Work - 1291 Words

How it works? Self-employed IVAs are very similar to normal Individual Voluntary Arrangements. They follow the same principle – but the application process is a little different, as they have to accommodate your business and cash-flow. This guide provides you with an in-depth look at the self-employed IVA process. If you’re struggling with your debts and think a self-employed IVA could be right for you, get in touch with PayPlan. We can help you understand all your options. Call us on 0800 280 2816 or use our online form to request a call back GET ADVICE NOW Going through your options In order to consider setting up a self-employed IVA for you, we will first need to collect details of the amounts you owe and the assets you own.†¦show more content†¦GET ADVICE NOW The self-employed IVA proposal After collecting details of your finances and assessing your situation, we will refer you to our associated company PayPlan Bespoke Solutions Limited, who specialise in setting up self-employed IVAs. They will offer to meet you in person to go through your debt solution options and discuss your business cash-flow. You don’t have to agree to this proposal but it’s a good chance to ask any questions about your financial situation. Alternatively, this can be discussed over the phone, if that suits you better. In order to propose a self-employed IVA, certain items will need to be verified, to check that all the information contained in your self-employed IVA proposal is correct. Typical information that’s needed is: Your business cash-flow projection for the next 12 months Your business profit and loss accounts for the past year A copy of your tax return for last year An online valuation of your home (and any other properties you own) A copy of your latest mortgage statement – and any secured loan statement(s), if applicable – to show your creditors the equity position in your property(ies) Copies of all recent correspondence from your personal and business creditors – so we can get your account numbers, creditor contact details and latest outstanding balances About the Insolvency Practitioner In order to propose a self-employed IVA to your creditors, you’ll need to use the services of aShow MoreRelatedHow Does Work And Leisure Essay925 Words   |  4 PagesAnd Leisure Introduction: How does work and leisure correspond to the â€Å"good life?† Is there a formula, which if we follow, will lead us towards our own Atlantis? I believe there is. Aristotle’s view, that humans can shape their own habits, to create virtues, gives us a clear understanding of what is required to arrive at our desired destination. Virtues, particularly temperance, combined with hard work, innovation, and determination should shape how we think about work and leisure, in our pursuitRead MoreCreatine : How Does It Work? Essay937 Words   |  4 PagesCreatine: How does it work? The quest to reach physical human perfection is coveted by many but pursued by few. What is the ideal human body? It’s almost certain that this image will reflect that of a powerful body builder or athlete. Exercising is vital in improving health and physical appearance. In order to facilitate the pursuit of physical perfection there is an industry dedicated to exploiting these desires. The nutritional supplements industry is one of the fastest growing industries in theRead MoreHow Does A Neuron Work?882 Words   |  4 PagesPlease compose an essay (one page) that answers the following questions: 1) How does a neuron work? 2) Why does it matter that I know how a neuron works in a course about Psychology?, and 3) What role do neurotransmitters play in Psychology? Here are some web sites that may additionally help you with this assignment Our human brains have about 100 billion neurons. These neurons react to physical and chemical changes in their surroundings. These cells specialize in sending and receiving neural messagesRead MoreHow Mass And How Does It Work?2144 Words   |  9 PagesEver wonder how we are still on Earth and not floating up into space? Ever wonder how mass and gravity are different? Maybe you can’t differ mass and weight, gravity and mass. We don’t realize that we depend on mass to stay on earth, but this â€Å"mass† works differently from the force we call â€Å"gravity†. Maybe the questions we ask ourselves will soon have an impact in the future when we have to figure out if a plane will crash faster with a big amount of mass, but is that true? Here is a question inRead MoreHow Does the Brain Work?1754 Words   |  7 Pagesone does. If more funding was given to Neurological research, these patients could have a brighter future ahead of them. Fundings’ should b e taken away from Cancer research to help Neurologists find new cures or new treatments to Neurological disorders that affect the lives of many people in America. The brain is a very complex organ that researchers are still trying to fathom. â€Å" †¦ I DO know that scientists are working to understand HOW the brain works and are trying to figure out exactly how it isRead MoreHow Does Pressgrade Work?1066 Words   |  5 PagesHow does Pressgrade work? Pressgrade is a community-supported platform that provides accurate news in the most efficient way possible. Simply search any news topic you are interested in, and Pressgrade will use an algorithm to determine which news stories are displayed along with their rankings. Unlike other news aggregates, Pressgrade factors in your input by allowing you to vote on articles based on the following criteria: Balanced (unbiased): All sides of the issue are represented equally andRead MoreHow The Eu And How Does It Work?1976 Words   |  8 Pageswars and France and Germany wanting to prevent another one from happening by combining there coal and iron resources (What is the EU and how does it work?). This was the start of the economic zone in 1950 and it grew from there with expansion and the United Kingdom joining in 1973 and growing to 28 states being within the union today(What is the EU and how does it work?). With the start of the economic zone the Union decided to create a single currency for all the countries to use. They did to thisRead MoreHow Does It Works And How It Is Used2427 Words   |  10 PagesElastography: How it works and how it is used. Abstract A very useful and common practice often used in routine physical exams is palpation. This technique, among its several uses, allows to estimate changes in the mechanical properties of tissue when the presence of a diseases is suspected. A typical use of this technique is in the breast cancer examination: the cancer is often revealed as a stiffening of glandular tissue, which would be normally soft. Even though palpation remains an importantRead MoreHow Does A Computer Worm Work?1308 Words   |  6 PagesIDENTIFICATION: 0072960 DATE OF SUBMISSION: Friday, 17 October 2014 Table of Contents Define the internet 3 Origins of the internet 3 How does the internet works 3 What does HTML mean? 4 What does HTTP mean? 4 What is URL? 4 What is a virus? 5 How does a virus work? 5 What is a Trojan horse? 5 How does a Trojan horse works? 5 What is a computer worm? 5 How does a computer worm work? 5 What is the difference between a virus, computer worm and a Trojan? 6 Bibliography 7 Define the internet The internetRead MoreHow does lobbying work in government1304 Words   |  6 Pages1. How does lobbying work in government? Lobbying is an enormous business. A lobbyist is an advocate who seek outs to influence members of the government (like members of Congress) to endorse legislation that would advantage their group. The lobbying occupation is a lawful and essential part of our democratic political procedure that is not extremely well implicit by the broad population. While the majority people think of lobbyists only as paid experts, there are as well a lot of volunteer lobbyists

Ragnar Lodbrok

Many people have heard of Ragnar Lodbrok, or Lothbrok, thanks to the History Channel drama series Vikings. However, the character of Ragnar isnt new—hes existed in Norse mythology for a long time. Lets take a look at who the real Ragnar Lodbrok was—or wasnt. Ragnar Lodbrok Fast Facts Historians arent sure if Ragnar Lodbrok really existed; it is most likely that he is a composite of multiple historical figures.The sons of Ragnar Lodbrok feature prominently in Norse mythology and history.According to legend, Lodbrok was a great warrior king who invaded England and West Frankia. Ragnar Loà °brà ³k, whose surname means Hairy Breeches, was a legendary Viking warrior who is described in the Norse sagas, as well as numerous medieval Latin sources written by Christian chroniclers, but scholars arent sure if he existed at all. Norse vs. Frankish Accounts In the Norse legends, Sigurà °r hringr, or Sigurd Ring, was the king of Sweden, and battled against the Danish leader Harald Wartooth; Sigurd defeated Harald and became king of both Denmark and Sweden. After his death, his son Ragnar Lodbrok succeeded him and took the throne. According to the sagas, Lodbrok and his sons killed Haralds son Eysteinn, and then led an invasion into England. According to the Icelandic saga Ragnarssona à ¾Ãƒ ¡ttr, The Tale of Ragnars Sons, during this invasion, Lodbrok was captured and executed by the Nortumbrian king Ælla, and so his sons sought vengeance and attacked Ællas stronghold. The legend holds that the sons of Ragnar Lodbrok then executed the Northumbrian king in retaliation, although English sources claim he died in battle at York. Despite the accounts in the Norse sagas, its possible that Ragnar Lodbrok was someone else entirely. In 845 c.e., Paris was under siege by an invading force of Northmen—led by a man who is identified in Frankish sources as a Viking chieftain named Ragnar. Historians dispute whether or not this is the same Ragnar named in the sagas; the Anglo-Saxon Chronicle indicates that the Ragnar who invaded and conquered Paris is unlikely to be the one referred to in the Norse legends. What is more likely, according to academics, is that the character we know today as Ragnar Lodbrok is an amalgamation of the Norse chieftain who took over Paris and the legendary warrior king who was killed when King Ælla threw him into a pit of serpents. In other words, Lodbrok is a literary composite of at least two different figures, as well as several Norse chieftains. However, several of his sons are documented as historical figures; Ivar the Boneless, Bjà ¶rn Ironside, and Sigurd Snake-in-the-eye are all considered part of Viking history. The Sons of Ragnar Lodbrok According to the Norse legends, Lodbrok had several sons by different women. In the Gesta Danorum, a book of Danish history written in the twelfth century by a Christian chronicler, he was first married to the shield maiden Lagertha, with whom he had at least one son and a daughter; Lagertha is largely believed to be representative of Thorgerd, a warrior goddess, and may be a mythical figure. Lorado / Getty Images Lodbrok divorced Lagertha and then married Thora, the daughter of an earl of Gotaland, with whom he had Eirà ­kr and Agnar; they were eventually killed in battle. Once Thora died, Lodbrok then married Aslaug, whose father was the legendary Sigurd the Dragon Slayer; Sigurds tale is told in the poetic edda, the  Nibelungenlied, and the saga of the Và ¶lsunga. Aslaugs mother was the Valkyrie shield maiden Brynhildr. Together, Lodbrok and Aslaug had at least four sons. Ivar the Boneless, also called Ivar Ragnarsson, earned his nickname because according to Norse legend, his legs were deformed, although some sources say that boneless referred to impotence and an inability to have children. Ivar was instrumental in the conquest of Northumbria and the death of King Ælla. Bjà ¶rn Ironside formed a large naval fleet and sailed around West Frankia and into the Mediterranean. He later split up Scandinavia with his brothers, and took over rule of Sweden and Uppsala. Sigurd Snake-in-the-eye got his name from a mysterious serpent-shaped mark in one of his eyes. Sigurd married King Ællas daughter Blaeja, and when he and his brothers divided Scandinavia, became king of Zealand, Halland, and the Danish islands. Lodbroks son Hvitserk may have been conflated with Halfdan Ragnarsson in the sagas; there are no sources that mention them separately. Hvitserk means white shirt, and could have been a nickname used to distinguish Halfdan from other men of the same name, which was a fairly common one at the time. A fifth son, Ubba, appears in medieval manuscripts as one of the warriors of the Great Heathen Army that conquered England in the ninth century, but is not referenced in any of the earlier Norse source material. Sources Magnà ºsson Eirà ­kr, and William Morris. The Volsunga Saga. NorrÅ“na Society, 1907.Mark, Joshua J. â€Å"Twelve Great Viking Leaders.†Ã‚  Ancient History Encyclopedia, Ancient History Encyclopedia, 9 July 2019, www.ancient.eu/article/1296/twelve-great-viking-leaders/.â€Å"The Sons of Ragnar Lodbrok (Translation).†Ã‚  Fornaldarsà ¶gur Norà °urlanda, www.germanicmythology.com/FORNALDARSAGAS/ThattrRagnarsSonar.html.â€Å"Vikings: Women in Norse Society.†Ã‚  Daily Kos, www.dailykos.com/stories/2013/10/27/1250982/-Vikings-Women-in-Norse-Society.

Making A Pro Recycle Policy On Shredding Documents

When purchasing paper, the University of Oklahoma should switch to paper that has 75% or more recycled contents as part of a larger effort to make the campus greener and more sustainable. Creating a pro-recycle policy on shredding documents is a great way to start reducing our paper usage. When paper is shredded it destroys the fibers within the paper, this makes it difficult to recycle and manufacture new printer paper with the shredded fibers. The reason being is that shredded paper cuts the fibers shorter, which makes them weaker, and renders them inefficient for the higher grades of paper. â€Å"The longer the paper fiber, the higher the grade of paper it can manufacture. Also, the longer the fiber, the more often it can be recycled.† Shredded paper is hardly ever accepted by higher grade paper mills that is why it is important to not shred them. If the papers are shredded the Paper Mills are less likely to buy them. The University of Oklahoma has the opportunity make top dollar on their recycled paper. Ultimately, they can market and sell their recovered office paper. In return, OU can use those earnings to either build onto their recycling program or purchase environmentally sound materials. The University of Oklahoma can also make the most of it by using the earnings to support a sustainable campus. OU’s staff and students need to be strategic about where their recovered paper ends up. If OU makes sure the waste hauler they use is selling the paper to a paper broker or aShow MoreRelatedProject Mgmt296381 Words   |  1186 PagesDominion University; Muhammad Obeidat, Southern Polytechnic State University; Linda Rose, Westwood College; Oya Tukel, Cleveland State University; and Mahmoud Watad, William Paterson University. We thank you for your many thoughtful suggestions and for making our book better. Of course we accept responsibility for the final version of the text. In addition, we w ould like to thank our colleagues in the College of Business at Oregon State University for their support and help in completing this project.

Mci Communications Corp free essay sample

It seemed that the board of directors at MCI was divided between two possible solutions. Should the company finance the repurchase by increasing MCIs debt financing by at least doubling the current debt-equity ration that stood at 36% at that time (MCI)? Conversely, would a more conservative approach of using an open-market purchase program, announcing its intentions to repurchase its stock from time to time but only as corporate funds become available, be more appropriate (MCI)? The answer to this question will help determine the path that the company will follow in the years to come. It will also either instill confidence or continue the growing sense of restlessness that is currently being exhibited by the companys shareholders. Therefore, in an effort to determine the most advantageous path for MCI, we will focus on answering the following three questions given in the course module to meet our objectives. 1) What would be the effects of issuing $2 billion of new debt and using the proceeds to repurchase shares of the following: a) the book value of MCIs equity b) the price per share of MCIs stock; and c) the earnings per share of MCIs stock. We will write a custom essay sample on Mci Communications Corp or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page ) What is the current WACC for MCI and what would it become after the new debt and repurchase? 3) Would you recommend this new debt and repurchase of stock alternative to the MCI Board of Directors? Explain your answer. The first questions asks us what would be the effects of issuing $2 billion of new debt and using the proceeds to repurchase shares of the book value of MCIs equity, the price per share of MCIs stock, and the earnings per share of MCIs stock. Referring to the chart below, we realize that by accruing debt re-capitalization by issuing a $2 billion debt to purchase $2 billion stock will not affect the firms cash flow. Based on the assumption of earning before the interest income remains the same, we have determined that the cost of debt will increased by $123 millions due to the interest accrued by the new debt. We get EBT by subtract the interest expenses from EBIT. Then we subtract the tax expenses from EBT will lead us to the new net income, $498 Million. The $2 billion debt divided by the current market price per share will result in a shares buy back of 72 million shares. Furthermore, the outstanding shares should be using the original outstanding shares minus the buy back shares. New EPS equals the new net income divided by the new shares outstanding. The new Long-term debt increase from $3,444 million to $5,444 million and therefore, the new book value of equity is $ 9,602 Million minus $2 billion. Based on these computations, MCIs new book value is $7,602 million. Equity holders will receive a higher expected rate of return after the re-capitalization, but will bear a higher level of risk per dollar invested, for which the higher expected rate of return precisely compensates them. By increasing debt, decreasing equity for $2 billion, MCIs EPS decreased 1 cents per share from $0. 83 per share to $ 0. 82 per share. However, the Price per share increased to $ 32. 31, PE ratio, and ROE are increased as well. (chart) The second question asks us to compute MCIs current WACC and what would it become after the new debt and repurchase. The first thing we need to do is determine MCIs existing WACC. The following formula is used: (formula) Given the following, provided in the case study, one is left to derive VL and rS: (chart) The CAPM provides the following means to derive rS: (chart) Based on these computations, MCIs new book value is $7,602 million. Equity holders will receive a higher expected rate of return after the re-capitalization, but will bear a higher level of risk per dollar invested, for which the higher expected rate of return precisely compensates them. To select the best option for MCI, we first need a clear separation between MCIs equity and debt. MCI is a leveraged firm and taxation influences the value of this firm. The last question asks whether we would recommend this new debt and repurchase of stock alternative to the MCI Board of Directors. Naturally, we will support our recommendation with data generated from the first two questions above. We recommend the board at MCI to issue the additional $2 billion in debt and to apply the capital to repurchase MCI stock based on MCIs current Weighted Average Cost of Capital (WACC) is 0. 362. We realize that by adding the additional $2 billion in debt, their WACC decreased to 0. 356. We realize that this is not a significant drop in the cost of capital; however, it is a decrease in cost. The next thing that we need to focus on is how the additional debt and repurchasing of stock effects the companies stock ratios. Since one of MCIs stated goals is to increase share holders value, we want to find out if the change in capital structure help the overall stock value? The answer can be found in question one. According to calculations, we determined that the PE Ratio increased from 33% to 40%. In addition, the price per share increased with this additional debt from $27. 75 to $32. 31. Lastly the ROE also increased from 5. 97% to 6. 55%. The only negative change determined was, the decrease in earning per share from $0. 83 to $0. 82. Again, we note the insignificant change with the earnings per share value; however we do keep in mind that the value did in fact decrease. Overall, the stock ratios that were evaluated with this additional debt improved. Based on the ratios given, we conclude that change in MCIs capital structure would add to the shareholder value. Lastly, we examined the effects of the tax shield that this debt would generate. With our current tax laws, there is a tax advantage for a company to be leveraged. Our tax structure allows a maximum tax rate in which at a certain point, the amount of debt generated does not grant additional tax shield. MCI has yet to hit their maximum tax rate and therefore, can still benefit from the tax advantages. The present value of the tax shield for MCI was calculated at $776 million while the interest expense on this new debt is $304 million. These numbers show that todays tax advantage dollars is more than double the cost of interest on this new debt. All of this data supports our recommendation to the board of directors that it would be beneficial for MCI to issue the 2 billion in debt in order to repurchase the company stock. The issuance of new debt and repurchasing of company owned stock looks to be the safest hedge against an insecure future/economy and stiffening competition from start ups and less debt-laden companies. The data, from the stock ratios down through the final WACC computations tend to quantifiably support our recommendations for the MCI Board. Couple this with the tax shelter benefits that are still currently below their cap, this growing telecommunications force should weather the late 90s storm and produce better than average dividends and earning estimates to maintain its stock prices and therefore its foothold in this lucrative and burgeoning field.