Student Finance Student Debt Crisis - 1663 Words

Executive Summary: A decade ago, student loans barely existed. Today, however, American students borrow up to couple million dollars a year to attend college. An entire generation is burdened with debt, and affected by the modern phenomena known as the â€Å"student debt crisis.† In recent years, student loan borrowing rates have risen notably, leading to concern about the public financial risks associated with the financial challenges faced by many students. Of late, the United States government has given out about $170 billion in financial aid annually in an effort to encourage students to attend postsecondary education. Such funding are usually supported by research that consistently finds positive and growing average economic benefits of†¦show more content†¦In fact, in the past, even if you were a college graduate, you were considered to be in the minority of the society; however, today, a college degree is fundamentally a requirement for any majority of careers. As the need for a college degree increased, the less affordable it became, therefore, student loans became a must. Although student loans do help students with a higher education, they can also get those individuals into tons of debt. Even though we can all benefit from a college education, the future looks pretty barren for those with student loans. The future of college tuition, and in another word, student loan; seems to be going only up with no release in sight. In order to get a better understanding of why, this might be a good time to look back at when the first federal student loan and grant programs were established and how it has fueled the rising tuition costs. Back in 1940, the number of graduates numbered only 186,500. And by 1950, the number of college graduates nearly tripled to 432,058. For the population during that time, this meant that less than 5 percent of adults 25 and older in the U.S. only had a college degree. Of that total, about 109,546 of them were just men. However, by 1970, the number of college graduates just receiving a bachelor degree had increased to 839,730. By this time, 68% of federal aid to college students was in the form of

Understanding Information Security Attacks And Security...

Understanding Information Security Attacks and Security Awareness in an Organization Roshan Dhakal 11407004 Email:droshan_2005@yahoo.com (Doctor of Information Technology, Charles Sturt University) Table of Contents Introduction 3 Importance 4 Future research 5 Conclusion 5 References 6 Abstract In today’s information technology age, many organizations are facing the security attacks. These kinds of attacks occur to two different forms which can be classified as external attacks and internal attacks. Organizations can mitigate the external attacks of implementing firewall, anti-virus and other defense perimeters but internal attacks are even hard to identify. Internal attacks take place in terms of employees negligence in their work performance, theft and stealing the organizational assets and selling to competitors, script kiddies, eaves dropping and spying other employees, etc. Even latest technologies are not being able to identify and detect those types of attacks. Therefore organizations have to implement security education, awareness and training program to educate the internal employees to minimize the risk of insider attacks. This paper further discuss about how security education, training and awareness program helps to mitigate the insider attacks and why it is important to organization. Keywords:- Security Education, Training and Awareness Program, Internal andShow MoreRelatedThe Methods Of Social Engineering Attacks745 Words   |  3 PagesRational Purpose: The purpose of this presentation is to inform and educate my audience on the various methods of social engineering attacks because hacking of personal and company accounts and website is in the increase. I want my audience to be able to list and explain three types of social engineering attacks. My central Idea is that social engineering attacks awareness mitigates victimization. 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Demand and Supply of Coal in Australia-Free-Samples for Students

Question: Discuss about the Demand and Supply of Coal in Australia. Answer: The price of a commodity is largely driven by the supply and demand factors. Precisely, increase in demand of a certain product during constant supply may lead to a surge in the price. On the other hand, shortage in supply of a resource can lead to sudden price hike of a commodity (Gilman, 2016). In the study, the demand and supply scenario of coal in the Australian market has been illustrated. Furthermore, the impact of the demand-supply dynamics on the price of coal has been determined in the study report. In the article, Cain (2017) has clarified that slowing demand of mining commodity from China can cause the decline in the price of coal in the upcoming year or so. In the meanwhile, bearish growth outlook of Chinese economy may affect the demand for coal exported by Australia (Dong, Li and Lin, 2015). As a result of the effect, people associated with the coal mining industry in Australia may face a severe challenge in near term. Cain (2017) has admitted that the coal price in Australia has been principally driven by the demand from China. The government policies of China in infrastructure expenditure, pollution control, and steel production industry have significantly influenced the demand side of the fossil fuel. Similarly, due to demand side dynamics, the price of coal has fluctuated. Due to the recent infrastructure spending cut and moderate property prices by the Chinese government, coal price may face a substantial downside risk. In terms of the current price of coking coal, spot prices of coal have declined from US$ 315 a tonne in April to US$ 150 a tonne in June (Cain, 2017). Considerably, slowing demand from Chinese economy is expected to make a further impact on coal price as the price may slip to as low as US$ 120 a tonne by the end of 2017. Due to subdue demand of thermal coal, the price of the commodity may trade sideways between US$68 and US$77 a tonne (Cain, 2017). It is important to note that China is one of the major importers of Australian Coal across the globe. Hence, a downfall in the demand for coal in the Chinese market directly impacts the quantity demanded of Coal in the Australian market. For instance, Australia is accounted for 24 percent of the total coal requirement in China (Perry, 2016). Hence, a decline for demand of coal due to the Government policies regarding the environment will directly impact the quantity demanded for Australian coal. Furthermore, it is important to note that the Carbon Tax Policy implemented by the Australian Government also enforces the domestic consumers to shift to renewable energy sources (Perry, 2016). For example, the Australian Government has taken an initiative to provide subsidies to the firms that minimises the emission of carbon caused by the use of coal. Hence, the demand for coal is expected to reduce in the Australian market as well. By applying the theory of demand and supply, it can be seen that the supply of coal remains constant due to the improvement of production technology (Bolle, 2011). However, the fall in the quantity demanded influence the market equilibrium resulting in a fall in the aggregate price of coal in the Australian as well as global market. A diagram has been presented herein below for further explanation: Figure: Demand and Supply of Coal Source: (Hattwick, Brown and Sailors, 2014) According to the above diagram, it can be seen that the fall in the global demand and domestic demand for Australian coal leads to a leftward shift in the demand curve from D to D1. However, the supply remains constant in the Australian as well as in the global market at S. Hence, a fall in the quantity consumed can be evident from Q to Q1 that further results in a fall in the price of coal from P to P1. Furthermore, it can be seen that the fall in the price of coal in the global as well as in the Australian market has been leading to the financial losses of the coal producers (Hattwick, Brown and Sailors, 2014). Several news of coal mine shutdown has been published in the recent times. Hence, it is important for the Australian government to take necessary measures in order to safeguard the coal industry of the economy (Perry, 2016). For example, a price flooring policy can be and middlemen can be excluded from the supply chain to maintain a balanced price in the market. According to the outcome of the discussion, demand side worries from the leading coal-importing economies such as China may affect the price of coal in the Australian market. Evidently, the government policies of China towards infrastructure have signalled that government spending in this sector may be reduced. Therefore, the downside risk of coal price may keep intact to slowing demand for the fossil fuel. In the study, it is clear that demand side factor can be termed as the major reason for the decline of the price of coal in Australia. Conclusively, the sluggish demand for coal from China will contribute towards price decline of the commodity. References Bolle, F. (2011). Competition with supply and demand functions.Energy Economics, 23(3), pp.253-277. Cain, A. (2017).Commodity prices likely to be softer, due to China. [online] Financial Review. Available at: https://www.afr.com/news/special-reports/commodity-prices-likely-to-be-softer-due-to-china-20170613-gwpx5w [Accessed Aug. 2017]. Dong, B., Li, X. and Lin, B. (2015). Forecasting Long-Run Coal Price in China: A Shifting Trend Time-Series Approach.Review of Development Economics, 14(3), pp.499-519. Gilman, L. (2016). Economics. 3rd ed. Minneapolis: Lerner Publications. Hattwick, R., Brown, B. and Sailors, J. (2014).Demand, supply, and the market mechanism. 5th ed. Englewood Cliffs, N.J.: Prentice-Hall. Perry, J. (2016).Energy prices. 4th ed. New York: Nova Science Publishers.

Corporate Finance Qantas Airways Ltd

Question: Discuss about the Corporate Finance for Qantas Airways Ltd. Answer: Introduction: The terminology market value is also popularly acknowledged as the market capitalization of an openly traded firm. This is commonly accomplished by the multiplication of the total numbers of outstanding shares with the recent value of the shares. The market price of a firm represents as an excellent pointer of the opinion of the financiers regarding the scenario of the industry. The elevated market price specifies the particular business has a superior valuation. Moreover, it has been noted that the market capitalization for the organization Qantas Airline Company is AUD 6.140 billion (Bloomberg.com 2016). From this value of market capitalization, it can be said that the specified organization Qantas Airline Company has an elevated valuation in the recent competitive market. On the contrary, it can be said from the thorough historical study that the stock price of the organization Qantas Airline Company remained invariable for the entire year, i.e., from the month of September in the year 2015 till at present (September 2016). It has been found that in the last September that is in September 2015, the price of the stock of the particular company was relatively higher that is AUD 4.09 (In.finance.yahoo.com 2016). However, it has been noticed that with the passage of time, the stock price started to reduce constantly for two consecutive months, October and November to AUD 3.83 and AUD 3.53 respectively (In.finance.yahoo.com 2016). Then in the month of December, the stock price certainly increased to AUD 3.97 and again decreased for two consecutively months (In.finance.yahoo.com 2016). During the period of April to June, 2016, the prices of the stocks reduced and then from the month of July of the year 2016, the share prices of the firm Qantas Airline Compa ny started to increase constantly (Qantas2015.reportonline.com.au 2016). At present, the stock price is AUD 3.21 and this indicates the particular organization has a stable progressing financial condition (In.finance.yahoo.com 2016). Due to its both financial and economical reliability, more investors should invest in this firm in order to earn a higher return. Additionally, this increase in the stock price will also increase the valuation of the organization with the passage of time. The debt to profit ratio implies the quantity of liability of an organization with respect to its amount of profit. Therefore, it can be said that the lower ratio is better for the organization. It has been found that for the organization Qantas Airline Company, this ratio is equivalent to 1.49 (Markets.ft.com 2016). It indicates that the specified organization has a healthy financial situation. References Bloomberg.com. 2016.QAN:ASE Stock Quote - Qantas Airways Ltd. [online] Available at: https://www.bloomberg.com/quote/QAN:AU [Accessed 19 Sep. 2016]. In.finance.yahoo.com. 2016.QAN.AX Historical Prices | QANTAS FPO Stock - Yahoo! India Finance. [online] Available at: https://in.finance.yahoo.com/q/hp?s=QAN.AXa=08b=1c=2015d=08e=19f=2016g=m [Accessed 19 Sep. 2016]. Markets.ft.com. 2016.Qantas Airways Ltd, QAN:ASX financials - FT.com. [online] Available at: https://markets.ft.com/data/equities/tearsheet/financials?s=QAN:ASX [Accessed 19 Sep. 2016]. Qantas2015.reportonline.com.au. 2016.Qantas2015.reportonline.com.au. [online] Available at: https://qantas2015.reportonline.com.au/system/files_force/downloads/full_qantas_annual_report_2015-1.pdf?download=2 [Accessed 19 Sep. 2016].