Friday, November 15, 2019
Detailed Accessibility Optimization Positioning Analyzer
Detailed Accessibility Optimization Positioning Analyzer Abstract Our application interface provides interesting and vital stats, such as the total number of backlinks (including the type: text, image, redirects, etc.), unique domains and distinct referring IPs and subnets. Software is an essential tool for in research, analysis and management. It uses its own bot and its own index, which they state is based on information from hundreds of billions website connections. SERP listings are the natural listings generated bysearch enginesbased on a series of metrics that determines their relevance to the searched term. Webpages that score well on a search engines algorithmic test show in this list. These algorithms are generally based upon factors such as the content of a webpage, the trustworthiness of the website, and external factors such as backlinks, social media, news, advertising, etc. One of the main features of Application is its Explorer, where you have the option of choosing a specific URL, the domain with all sub domains or the domain with no sub domains. Aside from the overview analysis, you’re provided with a slew of other research options to choose from, including: †¢ Crawled pages †¢ Referring domains †¢ SERP †¢ Raw export of the data. †¢ Links. †¢ Report. Module Analytic panel This module deals with the detailed graphical report for the domains, reports can be fetched for multiple domains even comparison between domains is possible. Software uses bots, crawlers and indexing for fetching details reports that can be used for analysis. A referring domain is the domain that backlinks are coming from. This shows a comprehensive list of all the TLD’s and shows how many links on different domains have been earned. Also when a particular TLD is selected or even if all TLD’s are selected, you get the domain rank, the number of backlinks from a particular site, the date when it was first seen along with the domain name. The top-level domain names are installed in theroot zoneof the name space. For all domains in lower levels, it is the last part of thedomain name, that is, the last label of afully qualified domain name Application again divides the report into new and lost domains where if you select the option out of new or lost, you will be presented the data on that selected option. So, if you have earned links on 5 domains or lost links from 6 domains, the record for the same will appear in graphs. In addition to that, you will get the report on the rank, and the referring domains too based on your selection and also the specified time. A record on which IP your backlink is appearing on could also be derived from this tool. This also lets you know the popularity and which region or IP to target for getting more backlinks. You get the rank of that IP, followed by the referring domains and backlinks from the same domain and the network. Application get a complete breakout based on the keywords for which you are getting backlinks, Number of referring domains, reference domains using the keyword as anchor, backlinks count on the domains and the backlinks count with anchor on the domains. A backlink is a link on another website that points to your site. In basic link terminology, abacklinkis any link received by a web node (web page, directory, website, ortop level domain) from another web node. Inbound links were originally important (prior to the emergence of search engines) as a primary means ofwebnavigation; today, their significance lies insearch engine optimization (SEO). The number of backlinks is one indication of the popularity or importance of that website or page. You also get the record of the number of external and internal links with this tool. You could specify the period for which you want to know how many links have your earned and how many have been lost. The calendar will show the number of backlinks that you have earned for a particular day. Knowing the number of new and lost links along with their comparison is quite easy. If there is no option selected, you will get the graphical representation of the number of new and lost links together in the graph. With the help of the tool get the HTTP code which shows the exact status of the page. Also you get the anchor text and the URL, followed by the period when the link was added or removed with the type of the link. Module Reports Knowledge is power. It doesn’t matter how driven you might be or how creative you might be, because you really need to arm yourself with the kind of data and information if you want to enjoy any kind of success. And in the case of an online business, getting a firm grasp on demographics, links and SEO is positively paramount. Our software has an independent tool for SEO analysis with a wide range of features. All data received in SEO tools can be exported in .CSV. A huge amount of data is accumulated in the process of our crawler’s. We plan to use this information to find possible errors on sites. This gives us a tool able to detect any SEO issues and display possible solutions to fix them. Hypertext Transfer Protocol(HTTP) response status codes include codes fromIETFinternet standardsas well as other IETFRFCs, other specifications and some additional commonly used codes. The first digit of the status code specifies one of five classes of response; the bare minimum for an HTTP client is that it recognizes these five classes. Meta elements can be used to specify page description, keywords and any othermetadatanot provided through the otherheadelements and attributes. Meta elements provide information about the web page, which can be used by search engines to help categorize the page correctly. Theno indexvalue prevents a page from being indexed, and no followprevents links from beingcrawled. Other values recognized by one or more search engines can influence how the engine indexes pages, and how those pages appear on the search results. Module Manage Backlinks Statics is designed to analyze links. A variety of filters and option to sort, you can select links by almost any parameter. Also they can be sorted by social metrics. Use this Backlink Analyzer to scan the links of a specific page and get the important statistics in Pie Charts Graphs. The Report will provide you with useful information regarding: The Incoming Links of the Page The PageRank The Domain Authority Internal External Links and Followed No-Followed Links Various Statistics about the Backlink Type Link Quality Amention(also known [emailprotected], not to be confused withmetadata tagsorhash tags) is a means by which a blog post references or links to a users profile. This may be done as a matter of getting the attention of (or drawing attention to) another user of a social networking or blogging service, as a matter of replying to the other users post, or as a matter of tagging a user in a post Quickly compare the metrics of up to several hundred URLs or domains. Enter domains or URLs in the text field and click Start. Application will collect all data and show you the metrics in a single table with the options to sort and export.
Tuesday, November 12, 2019
An Inspector Calls Play Essay
‘An Inspector Calls’ has been called ‘a play of contrasts’. Write about how Priestley presents some of the contrasts in the play. In the play there are wide differences in not only the treatment of Sheila Birling and Eva Smith but also large contrasts in the girls themselves- with Eva being a poor uncared for girl and Sheila being a privileged upper-middle class girl. This not only separates them as they would be unable to fully empathise with each other as they experience widely contrasting lives. This is shown as Mr Birling says â€Å"but I see no point in mentioning the subject – especially -(indicating Sheila.)†The quote paired with the stage direction highlights Mr Birling’s attempts to prevent Sheila from being exposed to the situation. This is done as they feel that Sheila should be protected from merely hearing the awful situations that some girls have to endure. This concern is in contrast with how they view Eva Smith as both p arents have minimal concern for the fact that they are partly responsible for Eva having to live on the streets. ‘There’s nothing I can tell him. I told the girl to clear out, and she went.’ The use of ‘nothing’ indicates how Mr Birling views the situation of Eva, as if it was ‘nothing’ that he was at fault for Eva being on the streets and out of a job- a contrast to the sheltered life he creates for Sheila. At both ends of the play there is contrast in the language used by Inspector and Birling in their speeches. The early speech by Mr Birling is one with a much happier and self-supporting view of society compared to the later one by the Inspector which holds a tone of finality and encompasses the idea of being responsible for everyone around you. Both speeches talk of the responsibility we have however; where the Inspector talks of responsibility for all- ‘We don’t live alone.’ Mr Birling means to say that we are responsible for ourselves and no more- ‘. We employers at last are coming together to see that our interests’ These speeches indicate the attitudes held by the speaker clearly, with Mr Birling showing concern for ‘we employers’ highlights the socialist view held by Mr Birling as he views they employers as one while entity that need to protect and look after each other with minimal concern for the rest of society.
Sunday, November 10, 2019
Lawsuit for Call Center Fabulous County, Florida for a sum of money Essay
There was a saying that business is business. Sustainability of a firm depends upon production and it is always measured by the amount of money earned. In some cases collectibles are difficult to handle. In fact it is one of the known business risk – the delivery now and pay later deals. Too many establishments failed due to laxity on issues such as collection especially in the payments of bad accounts. Collection Committee should send a registered mail to the Call Center Fabulous Country indicating the exact amount of money to be collected including penalties if any. The committee on collection must also decide the cut-off period if there is no given grace period on payments indicated in the agreement or stipulated in the contract. Moreover, the agreement must be read thoroughly before initiating a suit so that all angles are carefully studied and properly explored. The committee should know that there are rights to discretion proper to a specific type of businesses. For instance, a call center provides business transaction globally which mean that any disruption in their services with regards to the services your company provides may cause more damage than the amount being collected. Upon making a thorough review of the situation and in case that the Call Center Company stated did not respond or make a written reply to the Collection Committee, immediate action on the filing of suit should take place at a small court in a county where the party being sued or where the signing of agreement took place (Balovich, 2006). Legal services is expensive and vary depending on states therefore, the collection committee must try to use all its capabilities in making a collection with the use of proper business ethics. There could be easy way of handling collection than a lawsuit in fact one of the biggest points to consider before doing so is to ask the following question. Is the amount being collected proportionate to the expense incurred in litigation? Aside from money involved, what will be the social costs and consequences of the action? Filing a case on claims involves time and energy and responsibility of the Collection Committee to handle diligently. Some overdue collection depends largely on how it is done. There are ways to expedite the collection of payments. For example, making sure that your contract indicates when is the payment due and to whom you deal with. Second, indicating clearly that payment is due on a very specific date or writing in the invoice with this clause: penalty will be incurred due to late payments. Meantime it is also good to request payment in advance (Examiner, 2005). Knowing your clients is also the best strategy in providing solutions to problem in collecting due payments. It is good to find out where they stand and what their next move is. Bankruptcy Code indicates in Chapter 11 that â€Å"debtor usually proposes a plan of reorganization to keep its business alive and pay creditors over time (Judiciary). Overdue payments are also company’s loss even if payments are collected, taking into consideration the cost of money lost through time. Some business or corporations can seek the help of the court of bankruptcy and it would mean losing the game with them. Part 2: Draft of a sale agreement on the sale of used computer equipment to a Call Center Company            A contract is define as a meeting of the mind or mutual understanding of any pursuit; In brief it is a mutual consent. Therefore, it is good to know the points legally by understanding the cause and effect of the act may it be personal or corporate initiatives. References on contracts may be applicable but it is always good to consult with an attorney (Balovich, 2006).            Drafting a sale agreement usually includes common terms indicated in the general deed of sale. However sales agreement on used items may have exemptions like the term â€Å"as is where is basis (VISTEON INC.).† The agreement must be clear that the seller is selling used equipments.            It is also important to include in the draft the following details: the correct name of both parties because it is always a foot forward to know whom you are dealing with (Examiner, 2005). It must also include the complete description of the items including serial numbers of the equipment, the number of pieces and the exact price of that equipment being sold.            The committee chairman had explained that the call center is going to pay your company in four monthly instalments meaning at five hundred dollars a month. Before doing so, it must be clear how these sums will be collected and if penalty will be charge for late payments. Normally, used items are paid in cash but it is your company’s discretion that they opted for this agreement. However it is good advice to plan for an advance collection since two months is too much to wait for a two thousand dollar bill. It is also important to check on the taxes to be paid by selling used equipments and who is going to pay for it before the total amount on the agreement is written. The tax exemption identification card is listed normally below the buyer’s signature (VISTEON INC.).            There are also clauses in the contract that must be taken in consideration such as termination of the contract since the agreement includes a two month pay period. It could be at the disadvantage of the company if the items sold are returned during the pay period because of the other party misuse or negligence. Much more if a refund would be asked. These two major risks must be well thought of by the committee before the agreement is drafted.            Terms and conditions of the draft agreement must include a written approval of the committee. It is also important that details are discussed in meetings before finalizing a draft. A lot can be taken into consideration through consultation since being new means there are still a lot to learn. For this reason a complete knowledge of the company policy and history is needed to deal with its customer successfully. Part 3: Fraud and trespassing or violation of 3 call center employees regarding company rules.            It is difficult to give evidence on pre-empt unlawful act or an action that did not took place. For instance verbal information that so and so is trying to steal money by falsifying company invoice. In fact stealing is a grave crime to be committed voluntarily by an employee. The only evidence is that they should be caught with the false invoices but according to the situation the three employees got arrested even before they have committed the crime. In fact the only strong evidence is that they broke into the call center at night. These employees can be charged of unlawful use of company equipments since they should not be working outside of the schedule the company has intended for them. However there are also cases that workers get back to work at night but this must be approved by their supervisor as overtime.            Employee’s misbehaviour is dealt first by the human resource department.  There could be major implications on the company’s image due to the immediate arrest of the three call center workers. Sandra Robinson an expert on employee-employer relations and workplace deviance said that even the best employees can be dysfunctional because of poor management (Keen, 2006).            It is also important for managers and supervisors that arrest of people without due evidence is tantamount to abuse in human rights of which these workers can file a suit on moral damages to the Fabulous Call Center Company.  All citizens are given due process of law and to inflict others with committing serious crime without solid evidence is also a serious offense.            Moreover, call center operates on a tight security level and they make sure that data are verified accurately before anyone is given access to information (Diaphonics, 2006). No employees are allowed to enter the premises within the authorize time. To break into an office at night could seem impossible because of the tight security measures that all call center company enforces.  Just within its perimeter area, at the entrances, or being on the floor, break periods, the lockers and lounges are controlled by the operation and security group. It is a bit impossible that three people could just break in when in fact modern technology misuse can lead to hardware theft. There is no use for people to break in since hackers can use wireless technology in committing crimes.            At any instance, if the employees broke into an office a trespass warning is issued by the police (Tech, 1999). The human resource department should terminate employment on the basis of not following company rules and office procedures. However, there are legal basis in doing so. There is a great deal to settle with labour disputes than dealing with how the controversy occurred. Management has the right to look further whether someone’s interest is upheld at the expense of others. Part 4: Outline for a Mortgage Agreement for a purchase of a building. What is a secured and unsecured debt and what happens in case of default?            Probably since it is a law firm who is making a purchase through mortgage mean that it is equipped with the legal terminologies and procedure to conduct its transaction. However the one in charge on the procurement of the bigger building is a project manager who could be better of with building operations than with legal proceedings. Making an outline to assist the project manager could be very helpful but there is a lot of information that could be taken from him because based on his position he knows the project. He knows whether there will be cost on renovations or building repair and maintenance which will be an additional on cost for the building. Other costs on building operations may deplete the payment schemes especially if the structure was purchased through a mortgage.            Before making an outline on the mortgage it is important to talk with the project manager first so that the building that is intended to be bought or to be constructed is free from liens and encumbrances. Basic knowledge on procuring a building for a specific need say an office building is a must. It is important whether the structure is fit for the intended use. Project managers normally have knowledge of their operations and provide systems for functionality. They are the key to abate risks that are sometimes encountered in building procurement. Project managers talents are tested on time and cost management and they are the professional that assist the owner in project delivery which pertains to buildings (Massachusetts, 2004).            Mortgage agreements includes clauses such as: purchase price and warranties, authorized person to purchase and the person in charge in the mortgage company and its assigns with the proper addresses, definitions of terms, and building warranties (Findlaw, 1999). Since the money will be lent by a bank it is important to know the cost of money with the law firm cash flow.            It is important to know the monthly amortization with the principal amount being borrowed and this must be discussed thoroughly how debts will be paid by the Owner. It is good to think this way since banks usually operates not only on how they are paid but more on how they can foreclose a property. Determining the cash flow will also guide the buyer how much will be given to secured and unsecured debt.            Alan Barnes a certified debt arbitrator and president of Debt Regret defines in his article that â€Å"secured debt as a debt in which the creditor maintains a security interest in an item or piece of personal property (Barnes, 2005).† As described above banks play in this notion of having an interest on the item being procured. The amount of money lent is collateralized by the property and the drawback to this is when the amount borrowed is not sufficient to buy the building. That remaining amount can be called unsecured debt. However, the balance on the purchase of the property is still the responsibility of the buyer. Unsecured loans can be settled through debt programs successfully therefore much pliable to handle than the secured debt.            Mortgage law varies from one state to another. It is important that the terms of mortgage indicates profoundly the right of the lender to recover his purchase in case of default in payment and to find out if the lender has interest over the property. It is also best to calculate and find provisions on how the payments can be made without default. Initially, expansion means prosperity but managing a bigger family means high risk, transferring into bigger buildings can be a more productive effort but does not always mean more money. Sometimes it is more on spending on real property which cost can be recovered in a number of years. References Balovich, D. (2006). Small Claims Court For Debt Collection And Disputes [Electronic Version]. Retrieved 07 February 2008 from http://www.creditworthy.com/3jm/articles/cw051806.html. Barnes, A. (2005). What is the Difference Between Unsecured and Secured Debt? [Electronic Version]. Retrieved 09 February 2008 from http://ezinearticles.com/?What-is-the-Difference-Between-Unsecured-and-Secured-Debt?&id=20875. Diaphonics. (2006). CALL CENTRE GATEWAY SECURITY [Electronic Version]. Retrieved 09 February 2008 from http://www.diaphonics.com/callCentre.php. Examiner, T. (2005). Collecting Payment Due The Better Business Bureau offers the following tips to speed up the payment process: [Electronic Version]. Retrieved 08 February 2008 from http://www.enewsbuilder.net/betterbusiness/e_article000492994.cfm?x=b11,0,w. Findlaw. (1999). Sample Business Contracts [Electronic Version]. Retrieved 09 February 2008 from http://contracts.corporate.findlaw.com/agreements/mortgage/note.html. Judiciary, T. F. Reorganization Under the Bankruptcy Code [Electronic Version]. Retrieved 09 February 2008 from http://www.uscourts.gov/bankruptcycourts/bankruptcybasics/chapter11.html. Keen, C. (2006). UF study: Even good employees act up if supervisors mistreat them [Electronic Version]. Retrieved 09 February 2008 from http://news.ufl.edu/2006/04/06/employee-misbehavior/. Massachusetts, T. C. o. (2004). OWNER’S PROJECT MANAGER GUIDELINES [Electronic Version], 7 pages. Retrieved 09 February 2008 from http://www.mass.gov/cam/Creform/Own_PM_Guide.pdf. Tech, T. (1999). Police log [Electronic Version]. Retrieved 09 February 2008 from http://www-tech.mit.edu/V119/N28/28polog.28n.html. VISTEON INC. USED EQUIPMENT SALES AGREEMENT [Electronic Version]. Retrieved 09 February 2008 from http://www.goindustry.com/salefiles/8144/8144_6242.pdf?TimeStamp=0x0000000019793073&EntityID=8144&EntityTypeID=5.
Friday, November 8, 2019
Edward MacDowell essays
Edward MacDowell essays Edward Alexander MacDowell (1860-1908) was one of the most well known composers in the nineteenth century and as also one of the first to gain international recognition. His native land not only accepted but encouraged him-and heaped praise upon him, often so extravagantly as to put his sensitive nature ill at ease. (539, Kingman) Very talented at the piano and a great composer, Macdowell is one of the first American composers to win international praise. He stands critically as one of the pioneers of artistic music in our nations history. Not only is his music compelling, his personal life is also quite eventful. Born on December 18th 1860, Edward MacDowell was a musically and artistically talented as a boy who started piano lessons at the age of eight with Juan Buitratgo, a violinist living with MacDowells at the time. Later he studied with a Cuban friend of Juans, Pablo Desvernine, and also took occasional lessons from Teresa Carreno, another of Juans friends. In April of 1876, Edward, his mother, and Juan moved to Paris, France so he could better his studies. On October 31, 1877 he was accepted at a music academy called the Conservatoire. In that year he won a full ride scholarship and admission award as a regular piano student. On September 9, 1878 MacDowell withdrew from the Conservatoire to move to Germany to continue his piano studies. At the end of July of 1880, MacDowell came back to America to teach lessons of his own. One of his students was his future wife Marian Griswold Nevins Then in 1881 the Darmstadt Conservatory, where he taught for one year, appointed him piano instructor. His reason for leaving was that his profession gave him little time to compose. After creating such successful works as First Modern Suite op.10 and his First Piano Concerto, he realized that he had a talent for composing. He decided to ask advice from his former friend and teacher Teresa Car...
Wednesday, November 6, 2019
The Inferno Essays - LZ 129 Hindenburg, Paul Von Hindenburg
The Inferno Essays - LZ 129 Hindenburg, Paul Von Hindenburg The Inferno Subject: History The Hindenburg The Inferno The arrival of the Hindenburg, thirteen hours behind schedule, at Lakehurst, New Jersey, on the evening of May 6, 1937, promised to be routine. The ship had an unblemished safety record on eighteen previous Atlantic crossings. In fact, no passenger had ever lost his life on any commercial airship. Still, because this was the beginning of the most ambitious season yet for airship voyages, reporters, photographers and news reel cameramen had their eyes and lenses focused on the great dirigible as it approached. When disaster struck it was sudden. Without warning flames gushed from within the Hindenburg's hull; thirty-two seconds later the airship lay on the ground, ravaged. Never had the sights and sounds of a disaster in progress been so graphically documented. Within a day, newspaper readers and theater audiences were confronted by fiery images of the Hindenburg. Radio listeners heard the emotional words of newsman Herb Morrison, sobbing into his recorder, "It's burning, bursting into flames, and it's falling on the mooring mast and all the folks. This is one of the worst catastrophes in the world. . . . Oh, the humanity and all the passengers!(Marben 58)" When this floating cathedral, called the Hindenburg, burst into a geyser of flaming hydrogen there was a tremendous impact on the public, although two thirds of the people on board survived. Two theories about why it happened surfaced and this tragedy put an end to the short age of these massive airships. The demise of the Hindenburg had a searing impact on public consciousness that far surpassed the bare statistics of the calamity. Men and women escaped, even from this inferno. One elderly lady walked out by the normal exit as though nothing had happened and was unscratched. A fourteen-year-old cabin boy jumped to the ground into flames and smoke. He was almost unconscious from the fumes when a water-ballast bag collapsed over his head. He got out. One passenger hacked his way through a jungle of hot metal using his bare hands. Another emerged safely, only to have another passenger land upon him and cripple him. One man, at an open window with every chance to jump to safety, went back into the flames to his wife, both died. The final count was 36 dead, including 13 passengers. Nearly two thirds, of the 97 persons on board survived, but that fact was forever obscured, and the name Hindenburg became comparable only to the name Titanic(Abbott 69). Of all airship crashes, Hindenburg's remains the most mysterious and the most contentious, partially because of its fame. Many theorists were attracted to the idea of sabotage. An incendiary device could have been positioned at the place the fire started. There was an access ladder from the keel as well as a ventilation shaft to fan the flames(124). The most attractive aspect of the sabotage theory is timing. Had the airship arrived on time at six o'clock in the morning a bomb timed for after seven p.m. would not have caused the horrifying casualties(125). In the absence of any real evidence to support the theory, some have been tempted to provide the villain instead. Max Pruss, captain at the time of the crash, eventually came to suspect a certain passenger(125). Others have chosen members of the crew. But not only did the American investigators fail to find any evidence of sabotage, the Gestapo investigation was equally negative. Unconvinced by this, some of the sabotage theorists have made the whole thing into a Nazi plot(Marben 87). Many explanations fit the circumstances without the "sensational" solutions. The presence of free hydrogen deep inside the ship can be attributed to various causes. The very slow approach-speed of the airship, after valving gas, might well have left some gas residue in the shafts. The tail heaviness, noticed by the elevator man, might have been the result of a gas leak(Abbott 251). The only other necessary ingredient is the spark. Both American and German investigators agreed that some form of static discharge was the source of the fire(250). The burning of the Hindenburg made it clear once and for all that dirigible travel was merely a blind alley in the evolution of flight. The giant airships' remaining loyalists were abandoned, along with Gill Robb Wilson, the landing supervisor at Lakehurst that fateful evening, "Those of us long in the air know what it is to reach out in salute to the embodiment of our hopes, and suddenly find our fingers filled with ashes(Marben 59)."
Sunday, November 3, 2019
Business Law Essay Example | Topics and Well Written Essays - 500 words - 9
Business Law - Essay Example Especially from the point of view of securing intellectual property rights, social media mocks at those thinking of this. The speed of information dissemination and exchange is so fast on internet that by the time one finalizes of a website or trademark of web address, another person wins in getting a similar or exact copyright. Also, contractual agreements with employees on the issue of reasonable use of company resources and abiding by the privacy and security rules of company’s information are also at stake. Employees today generally ‘friend’ their competitors on social networking sites like Facebook, Orkut and twitter and reveal many of the important and sensitive company information to other through posts and tweets which is available for others to look at and comment upon. This gives rise to unethical marketing practices and organizational gimmicks which ultimately lead to more litigations and breaches of contracts. From the widespread use of social media, it seems as if people are managing what they actually do not understand properly. In order to expand the friend list at social networking sites, employees and even bosses ‘friend’ their competitors also which can damage the reputation of the company and place potential legal issues on posting and sharing confidential and damaging information over internet. From both legal and ethical standpoints, this seems to be a grave situation as boundary line between communication channels and privacy barriers is getting blurred due to the usage of social media. Businesses need to have more control, monitoring and action steps program in place because social media can become a fierce tool in the hands of ‘disgruntled’ employees to embarrass the company. Similarly, contracts with employees also need to be watched carefully as no one knows which employee is actually working for the benefit of the company and
Friday, November 1, 2019
Short and Medium-Term Loan in the UAE Policies and Procedures Research Paper
Short and Medium-Term Loan in the UAE Policies and Procedures - Research Paper Example The financial institute considered for the purpose of this report is HSBC Bank Middle East Ltd. This bank for the purpose of granting the loan to the company shall make a complete review of the financial position of the company. The financial analysis would include a cash flow analysis, analysis of the various ratios like profitability ratio, liquidity ratio and gearing ratio, an analysis by the long-term creditor and examination of the collateral securities that the company has to offer to the bank for the loan purpose. The cash flow analysis flashes a detailed view of the inflow and outflow of cash into and from the business respectively. Pertaining to the income statement the operating cash flow shows the increase and decrease in cash. The cash flow showing the investments depicts the increase and decrease in assets. The various kinds of ratios are studied thoroughly to bring out the actual position of the company. The ratios that are studied, contributes to knowing the various as sets and liabilities and their impact individually and as a whole on the business unit. The various ratios studied are profitability ratio, liquidity ratio, and leverage ratio. The analyses of these ratios provide a clear picture of not only the company’s assets and liabilities but also forecasts possible profits and losses of the enterprise. The various provisions provided by HSBC Bank Middle East Ltd. are studied and the various kinds of loan that this bank has for its customers are also keenly observed. According to the requirements of an individual or a business customer, loans may be chosen by the customer from the bank. The processes and procedures involved in obtaining the loan are closely observed and recommended accordingly. The business environment of UAE and the various provisions for the foreign investors are enumerated in details. The various aspects that UAE takes a heed of apart from facilitating business activities in the country are also keenly studied. The f acility of free zone is largely talked about including its advantages and also the various barriers that a foreign investor may face in UAE are discussed. The advantages of local rather Emirati–owned business unit over the foreign investors are also included in the discussion. Table of Contents Executive Summary 2 The Nature and Purpose of Loan Requested By the Customer 6 Bank’s Policy In Terms of Granting Loans 7 Types and Nature of Financial Information the Customers Are Required To Furnish To Support the Purpose of the Loan 10 Types of Analysis the Banks Usually Do 11 Types and Nature of Security the Bank Usually Ask For 14 Impact of the Most Recent Downturns of the Economy and Massive Business Failures of HSBC Bank Middle East 15 Bank’s Specialization on Handling Such Loans 16 Any Government Incentive And Or Support the Banks Receive In Handling Such Loans 17 UAE’s Business Environment Facilitating Emirati-Owned Businesses 17 Conclusion 19 References 21 Introduction The lending institutions are generally seen to offer loans for different periods based on the purpose of the loan, such as short–term, long–term, and medium–term. In the context of business, the short-term loans that are offered by the banks are usually to curb the needs of working capital of the business. These working capital needs of a company may range from raw materials purchase, electricity bills to be paid and payment of taxes among others. Â
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