...foreignerHow will you educate the foreign investor who invests in Pakistan about the intellectual communication problems that he likely to be faced? http://books.google.com.pk/books?id=ESfcPSU5DJ4C&pg=PA364&lpg=PA364&dq=Business+In+pakistan+Cultural+Differences&source=bl&ots=0VjjyIqkLL&sig=kilYbiW9bzvMgmZeZy8Mf3PvirI&hl=en&sa=X&ei=mAqUT77nCuWD4gSprOzQDw&ved=0CBsQ6AEwADgK#v=onepage&q=Business%20In%20pakistan%20Cultural%20Differences&f=false The Invest in Pakistan website lists the top five reasons for foreign investment in Pakistan as being: abundant land and natural resources; human resources (huge English speaking population); a large and growing domestic market (a growing middle class); well-established infrastructure and legal systems (road, rail, sea, IT); and geographic location – as principal gateway to the Central Asia Republics and connections to the Middle East and South Asia. Putting it crudely, the labour and raw materials are cheap, the population is 6th biggest in the world and growing fast with over 50 per cent of the 180 million under the age of 20, and tax and set-up incentives for foreign investment are good. Answer: 1. Countries That Have Official Rest Days Other Than Sundays 2. Islamic worshippers pray facing the holy city of Mecca five times each day. Visiting Westerners must be aware of this religious ritual. In Saudi Arabia and Iran, it is not unusual for managers and workers to place carpets on...
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...MARIDA S. DE GUZMAN Parayao National High School Investigatory Project TITLE: Effect of the Different Types of Substrates on the Biodegradability of Robinson Plastic Bags Background of the Study Official figures show that plastics make up around 25% of the garbage that metro manila churns out, while an independent survey conducted by Eco waste Coalition and Greenpeace on the composition of discards on manila bay in 2006 found that 51% were plastic bags,19% sachets and junk food wrappers, 5% Styrofoam, 1% hard plastics,10% rubber, 13% biodegradable wastes Biodegradable plastics are degradable plastics on which the degradation results from the action of naturally occurring micro-organisms such as bacteria, fungi , and algae. These plastics are broken down into water, carbon dioxide, methane and biomass primarily through enzymatic action on microorganisms. Biodegradable will fully disintegrate in six months or less. It turns into powder and blends with the soil after a few months. Many biodegradable plastics will decompose in industrial plants, backyard compost piles, or open environments. The inherent biodegradability of plastics depend on several environmental factors such as moisture, temperature, surface area, and the manufacturing method of the finished product. Although some brands claim to be biodegradable in open air and saltwater, virtually no decomposition occurs within a closed land fill that has been capped, preventing air circulation. The Robinson mall chain...
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...MGT 4430 Fall 10 Investment Detective 08 Fall Investment Detective MGT 4430 With the realization that capital resources are limited, a prioritization of proposed projects must be established. Although most of these projects may satisfy the requirements to accept a project, due to capital budget constraints a company must choose which project they might best benefit from after analyzing the data associated with each project. After looking at Exhibits 1-6 with analysis of each project’s NPV, MIRR, Payback, and Profitability Index a list can be established below. Rank | Project Number | 1 | 7 | 2 | 4 | 3 | 3 | 4 | 5 | 5 | 1 | 6 | 6 | 7 | 2 | 8 | 8 | After looking at the data analysis in Exhibit 1, we are able to eliminate a few projects right away from the ranking of choices we would be interested in. After seeing that project 7 and 8 are mutually exclusive and 7 being a better project based on the quicker payback and initial returns. As well we can see that project 2 is in most regards, a terrible investment. We are able to see a negative NPV and an unacceptable MIRR which is lower than our desired discount rate. At a glance we are also able to see that project 6 is on the brink of acceptable which allows our investment team to accurately rank the three lowest projects on the list. One issue that must be regarded before being able to further progress through my reasons for rank is that the company has acknowledged the potential for the...
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...Running head: THE VALUATION OF WAL-MART 1 THE VALUATION OF WAL-MART 2 In fiscal year 2010, Wal-Mart stock sold for a 52-week high of $55.01 and a 52-week low of $46.42. Stock in the company was regularly recommended as a “buy” or a “hold” by analysts, according to Bloomberg L. P. However, with dividend payment of only $1.09 per share on earnings of $3.72, a payout of only 29%, far lower than the industry payout rate at maturity of 45%. The result of this low dividend payout has Sabrina Gupta, a stock analyst, reevaluating the actual value of Wal-Mart stock as a recommendation to new or existing clients. Wal-Mart was built to save people money and make their lives better. Its business model has made Wal-Mart dominant. It beats out its competitors by offering a variety of products for competitive prices. It consistently plans expansion into metropolitan and international areas. Wal-Mart focuses on cutting their expenses at a rate that exceeds revenue growth so income will grow faster than revenue. The returns are distributed to the company’s investors. Wal-Mart has paid out dividends since its first stock offering in 1974, payouts ranged from 5.6% in 1974 to 29.3% in 2010. Over the last eight years, the payout percentage increased 12.5%. Analysis In the previous four years, the Wal-Mart stock continued to grow and fare well in the market. Since 1974, Wal-Mart’s annual earnings gained an average of 25% yearly, although growth has slowed to between...
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...Case on Grievance Handling Durai, P. (2010). Naveen Sugars Pvt Ltd. In Human Resource Management (pp.515-516). Dorling Kindersley (India) Pvt. Ltd. Licensees of Pearson Education. Naveen Sugars (P) limited is a large private company employing about 2,000 workers. It has an annual turnover of Rs. 2.91 billion. The HR department of the company is headed by Mr. Arvind, an expert with MA (in human resource management) and BL degrees. Naveen Sugars is a strongly unionised company with nearly 75 per cent of the employees belonging to the only union in the company and the management of this company had a cordial relationship with its employees and their union. However, a recent incident occurred in the crushing division of this company that has strained this relationship. Mr. Rajesh is a shop level union representative with nearly 20 years of service in the company. He is around 49 years of age and has been employed in the Crushing Division. Of late, he has not been performing well at work. When the HR manager tried to find out the reason from his friends in the factory, they revealed that he had acute family problems and was depressed. One day, while on duty in a day shift, Rajesh had left his workplace without proper permission and returned after nearly two hours. However, his immediate superior prevented him from resuming the work. Enraged by the refusal, Rajesh engaged in a fierce argument with that superior and misbehaved with him. He also disrupted the work of...
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...Marketing Mix DELL Dell is one of the leading Consumer durables brand. The marketing mix of dell talks about the way in which dell has improvised to gain a competitive position. Product: • Dell believes that, ‘Marketing is not about providing products or services it is essentially about providing changing benefits to the changing needs and demands of the customer’. • Dell provides a wide variety of both business class and home/consumer class products and services. • Dell designs, develops, manufactures, markets, sells, and supports a wide range of products that in many cases are customized to individual customer requirements. • A few examples of products for individual and professional customers are Dell Precision workstations, OptiPlex desktops, Dimension desktops, and Inspiron and Latitude notebooks. Price: • Pricing strategies usually change as the product passes through its life cycle, because there is constrains on the company’s freedom to price a product at different stage. • The main objective of Dell is to produce the low price and profitable PC for the customers. • For the above reason Dell’s product pricing reflects the affordability of the local consumers. • Because Dell products are so customizable, the price is largely dependent on the options and services added to the product. • Dell is undercutting competitors in price to rapidly gain market share. Place: • Place is also known as channel, distribution, or intermediary. It is the mechanism through...
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...INTRODUCTION I am a French investor which sells mobile phone, I have a shop in Grasse. I plan to invest in foreign market and particularly in US. The United States is the world’s largest economy in the world with a GDP over than 15 million USD and a consumer market of more than 310 million people. The stability of the country offers a well opportunity for foreign investors. Obviously there are several risks for an internationalization that may be avoid or reduce in order to ensure my success. PESTEL POLITIC: US have a political stability. The country has an open market politic which promotes exchange with foreign countries. Moreover they apply an unconventional monetary policy. LEGAL: The US has one of the lowest tariff barriers, around 3%. An agreement is still negotiating between US and UE, which aim to facilitate trade between them. It’s the NAFTA Moreover, the US is member of the OECD, this significate that each country which is member of this agreement have facilities to access to the country Then, The US wanted the products conform to their standards ECONOMIC: As I said previously, the US is the world largest economy and the economy is still growing with growth in demand. The currency is the US Dollard There are different taxes in the country, they depend of the state. The interest rate is 0.25% Todays the inflation is negative, -0.10%, the forecast for the end of the year are + 0.05%, this is due to the decline in gazoline prices Unemployment...
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...Stewardship over the resources, and provisions granted by God involves more than merely cautiously watching over finances or attending to thrifty spending decisions. Through scripture it is clear that God intends that man would invest that which is provided to him. The teachings of Jesus impart the Divine will that His people invest and bear the risk of loss. It is also evident that Scripture established a pattern of risk and reward. The gospel of Matthew verses 14-30 records the Biblical principles of investing. Known as the Parable of the Talents, this portion of scripture tells the story of three individuals endued with five, two, and, one talent respectively. Those that received five and two talents invested the talents and reaped rewards from their endeavors. The master in the parable commends those who ventured out in business and took risks. Likewise, the one talent servant who was afraid and hid the talent is characterized as slothful and chastised harshly by the Master. It is evident from this parable that the Master seeks gains on His investment. At a minimum it is expected that resources would gain a rate of interest consistent with low-risk investment. The master reproves the one-talent servant for not at least gaining nominal interest returns on the resources entrusted to him. The parable reveals the Master’s pleasure in those who would venture and risk for the prospect of returns. Scripture also points to a basic principle of investing in regard to the level...
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...Best Stock to Invest under 1000 Cr Market-Cap (Nilkamal Ltd) Nilkamal Ltd is principally engaged in manufacturing of injection moulded plastic products, currently it operates with three segments namely plastics, lifestyle furniture, furnishings accessories and storage system others. The plastics segment engaged in manufacturing of injection moulded plastic articles, polymers and others. The lifestyle furniture, furnishings accessories is engaged in manufacturing of home furniture, home furnishing and accessories. The storage system others is engaged in metal storage systems. The Group also sells lifestyle home furniture, furnishings, home decor and accessories through its own lifestyle retail stores in the name of home. The Group has seven large manufacturing plants in India having JVs with domestic and International companies, In India with Bito Lagertechnik Bittman GmbH for the manufacture of Material Handling and Storage Systems in Metal and globally in Sri Lanka, and Bangladesh, where both these companies are Leaders in respective markets for Moulded Furnitures. High/Lows & Performance of Nilkamal Ltd. | Duration | One Week | Two Week | One Month | Three Months | Six Month | One Year | Period Old Price | 241.40 | 224.60 | 219.95 | 229.60 | 225.85 | 260.35 | Price Gain | 9.85 | 26.65 | 31.30 | 21.65 | 25.40 | -9.10 | Price Gain in % | 4.08 | 11.87 | 14.23 | 9.43 | 11.25 | -3.50 | Period's High | 261.90 | 261.90 | 261.90 | 261.90 | 261.90...
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...Testament to illustrate the fact that He expects us to do something with the money God has entrusted to us. The parable makes it obvious that God doesn’t expect us to be stupid about how we use our money. Technically, it is not even our money. It is His money. Therefore, we should consider God’s will about how He wants it spent so that it is used in godly manner. The parable of the talent as discussed in the Matthew makes it perfectly clear that God doesn’t expect us to just sit idle with our money. Given that godly expectation; there are many low risk ways to invest our money. Whether we use stocks, bonds, treasury bills or a savings account; there are many ways to be a good steward of Gods money during the short time that we have it here on earth. As investors; we are not being careless with God’s money as long as we do our research and feel confident that we are investing with His Will in mind. Researching how to invest Gods money equals wise choices. Investing can be a wise choice as long as one does their research as mentioned above. Unfortunately, many Christians make the mistake of thinking that investing is the same as gambling and therefore is a sin. Investing is definitely not the same as gambling. Many people whether Christian or not make the mistake of thinking it is the same out of fear or ignorance. Some Christians are simply fearful of gambling because it seems so complicated. Most people do not realize the wealth of information that is...
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...GUIDELINES TO INVEST IN INDIA MRIDUL AGRWAL mridul.15@tapmi.edu.in +919629482047 NANDINI BRAHMANAND HEGDE nandini.15@tapmi.edu.in +919686488851 MRIDUL AGRWAL mridul.15@tapmi.edu.in +919629482047 NANDINI BRAHMANAND HEGDE nandini.15@tapmi.edu.in +919686488851 India is a federal republic, with 28 states and seven federally administered union territories; it operates a multi-party parliamentary democracy system. It is a common law country with a written constitution. Parliament has two houses: the Lok Sabha (lower house) and the Rajya Sabha (upper house). The President, the constitutional head of the country and of the armed forces, acts and discharges the constitutional duties on the advice of the Council of Ministers, which is headed by the Prime Minister. The Prime Minister and the Council of Ministers are responsible to parliament and subject to the control of the majority members of parliament. Independently elected governments govern the states and union territories. India is a three-tier economy, comprising a globally competitive services sector, a manufacturing sector and an agricultural sector. The services sector has proved to be the most dynamic in recent years, with trade, hotels, transport, telecommunications and information technology, financial, and business services registering particularly rapid growth. Government Empowerment The central and state governments have passed legislation to control production, supply, distribution and...
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...Guide to Doing Business Bangladesh Prepared by Lex Mundi member firm, Amir & Amir Law Associates This guide is part of the Lex Mundi Guides to Doing Business series which provides general information about legal and business infrastructures in jurisdictions around the world. View the complete series at: www.lexmundi.com/GuidestoDoingBusiness. Lex Mundi is the world’s leading network of independent law firms with in-depth experience in 100+ countries. Through close collaboration, our member firms are able to offer their clients preferred access to more than 21,000 lawyers worldwide – a global resource of unmatched breadth and depth. Lex Mundi – the law firms that know your markets. www.lexmundi.com A Guide to Doing Business in Bangladesh Prepared by: Amir & Amir Law Associates Email: info@aalabd.com Web: www.aalabd.com Updated 29th December 2011 Limitations of Scope: This guide contains a general introduction to the subject. The information in this guide is meant for the purposes of reference and should not be used as legal advice. Source of Information: The information provided in this guide has been obtained from various sources, namely the Bangladesh Board of Investment (BOI) and the Bangladesh Bank. 1 A GUIDE TO DOING BUSINESS IN BANGLADESH CONTENTS I. BANGLADESH AT A GLANCE I.A. Key Facts I.B. Infrastructure I.B.1. Telecommunications I.B.2. Transport I.B.2.a) Land I.B.2.b) Water II. INVESTMENT OPPORTUNITIES IN BANGLADESH II.A. Bangladesh Investment...
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...he Federal Executive Council (FEC) yesterday approved the national automotive policy in a bid to gradually phase out fairly used cars imported into the country. This is also to remove Nigeria from the list of countries without automotive policy. The council also approved N41 billion for the provision of road and other infrastructures in the Federal Capital Territory (FCT). The Minister of Information, Labaran Maku, and his Trade and Investments counterpart, Olusegun Aganga, told State House correspondents at the end of the meeting chaired by President Goodluck Jonathan, that the new automotive policy was to encourage local manufacture of vehicles. Aganga disclosed that in 2012, about $3.4 billion (N550 billion) was spent by Nigerians importing cars while in 2010, $4.2 billion (N670 billion) was spent, indicating that car import takes the biggest share of the country’s foreign reserves followed by other machinery. The new policy when fully effective, will ensure the creation of minimum of 700,000 jobs in the auto industry. He further explained that the new policy followed nine months of work with input from the National Automotive Council and foreign car manufacturing giants like Toyota and Nissan that are to announce their specific investments in Nigeria soon. Aganga stressed that the bane of similar policies in the past, like non-implementation of policies, lack of infrastructure, and inappropriate tariff regime were considered and adequately addressed in the...
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...To Pay Off Debts or Invest? Whenever you receive cash, whether it is from a debt collection or tax refund, you have several choices on what to do with the money. You have the choice of paying off debt, investing, or spending it. If you have extra money each month, it is wiser to pay off your debts first until you have paid most of it rather than saving it. Basically, it is more advisable to pay off debts with high-interest rates rather than investing it and earn low interest rate or rate of return. You can compare and calculate the after-tax rate on your investments and debts, to be sure of whether you invest or pay off debt. If you are not using an interest-earning account for your investment, determine the investment’s after-tax return. You can either use the Annual Percentage Rate as the effective rate if possible or use the stated interest rate for your credit card or auto loan payments. If you are paying off loans such as home equity or student loans, subtract your income tax bracket from 1.0. For a clearer view, an example of this is: you belong in the 25% tax bracket, you would have 0.75 (1.0-0.25), then multiply it by your loan interest rate. The outcome will then be your after-tax rate on tax-deductible. The formula would be your 1.0 minus the tax bracket you belong times your loan interest rate. Ex: 1.0-0.25(tax bracket)*8% (loan interest) = 6% (after-tax interest rate). It is really hard for you to pay off debts, especially when you miss out the opportunity...
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...Good morning everyone! I will discuss why will ASEAN want to invest here in our country, Philippines and I picked DENR. In the second and third picture, it shows that there are many beautiful places in the Philippines even though it’s not quite big as other countries. Philippines is known as “It’s more fun in the Philippines” because of the many beautiful natural and man-made resources. Mayon Volcano, Taal Volcano, Mt. Apo, and Chocolate Hills are examples of natural resources. * The Mayon Volcano is know as the “perfect cone” and was declared as a National Park and a protected landscape. It is located at Albay. * The Taal Volcano forms an island in the center of the lake called Taal Lake. It represents one of the picturesque and attractive views in the Philippines. You can view Taal Volcano at Tagaytay Ridge. * The Mt. Apo is the highest mountain in the Philippine Archipelago. Mount Apo was also declared a national park. * Chocolate Hills are covered in green grass that turns brown (like chocolate) during the dry season. It is a famous tourist attraction of Bohol and they are in the Philippine Tourism Authority's list of tourist destinations in the Philippines they have been declared the country's third National Geological Monument and proposed for inclusion in the UNESCO World Heritage List. We also have historical man-made resources such as, old churches, Mac Arthur, and Rizal’s Monument. * In the slideshow, they were 3 old churches pictures’ First is...
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