Do You Have Bad Credit and Need a Loan Here Are 4 Options

Do You Have Bad Credit and Need a Loan Here Are 4 Options Do You Have Bad Credit and Need a Loan? Here Are 4 Options Do You Have Bad Credit and Need a Loan? Here Are 4 OptionsFinding the right bad credit loan means doing your research, understanding the pros and cons of each product, and finding the loan that works best for you.If you have bad credit but you need to get a loan to cover a surprise expense, you’re going to have to make some hard choices. Whereas someone with a good score could borrow that money at fairly low rates, you’ll have to make do with more expensive options.But that doesn’t mean that all your possible options are bad, either. There are some bad credit loans and no credit check loans out there that can make for reasonable short term financing.Still, you’ll want to make sure you know exactly what you’re getting into before you borrow. With that in mind, here are four of your primary bad credit loan options. And remember: The smarter you borrow, the better off you’ll be.1. Payday loans.Payday loans are one of the most common types of no credit check loans. The idea b ehind them is that they serve as an advance on your next paycheck. (For this reason, they are also sometimes referred to as “cash advances.”) They are available as online loans and can also be obtained from local brick-and-mortar storefronts.Payday loans are small-dollar loans, meaning that the most you’ll be able to borrow is usually just a few hundred dollars. They also come with very short terms: The average repayment term for a payday loan is only two weeks, and the loans are repaid in a single lump sum payment.When you borrow a payday loan, you will oftentimes have to make out a post-dated check for the amount owed or sign an automatic debit agreement. When the loan’s due date arrives, the funds owed will then be automatically removed from your bank account.Unlike installment loans, payday loans charge interest as a flat fee, with an average rate of $15 per $100 borrowed. If you were to borrow $300 with a payday loan at that rate, you would be charged $45 in interest an d owe $345 in total. That flat rate means that early repayment won’t save you any money.While a 15 percent interest rate might not seem that high, payday loans are much more expensive than traditional personal loans, which calculate interest on an annual basis, not a weekly one. 15 percent interest on a two-week payday loan comes out to an annual percentage rate (APR) of 391 percent!Due to payday loans’ high interest rates, short terms, and lump sum payment structure, many borrowers have difficulty paying their loan off on-timeâ€"or they find themselves having to choose between making their loan payments and paying other important bills.Payday loan borrowers in this situation are often faced with two options: They can either take out a new payday loan or they can “roll over” their old loan, paying only the interest due and receiving an extension on their due date … in return for a brand new interest charge.Either way, rolling over and reborrowing a payday loan can end up t rapping borrowers into a dangerous cycle of debt. According to a study from the Consumer Financial Protection Bureau (CFPB), the average payday loan user takes out 10 payday loans every year.2. Title loans.Title loans are another kind of short-term bad credit loan. But while they are similar to payday loans in many ways, the two products also have some key differences.While payday loans are unsecured loansâ€"meaning that the borrower doesn’t have to offer any collateralâ€"title loans are secured by the title to the borrowers car or truck. In order to qualify for a title loan, a person must own their car free and clearâ€"meaning they don’t owe any money on an auto loan.This collateral means that the average consumer can borrow more with a title loan than they can with a payday loan. It should be noted, however, that title loan amounts rarely equal the full resale value for the vehicle being used as collateral.And even with that additional collateral providing decreased risk for t he lenderâ€"which would normally mean lower interest ratesâ€"the interest charges for title loans are still extremely high. They have an average repayment term of one month and an average interest charge of 25 percent, which works out to a 300 percent APR.While the average borrower can expect a larger loan principal with a title loan than they could get with a payday loan, the downside to title loans is also clear: If the borrower cannot repay their loan, the lending company can repossess their car and sell it in order to make up their losses.And this isn’t just a hypothetical either: According to research from the CFPB, one in five title loans ends with the borrower’s car being repossessed. In some states, title lenders don’t have to recompense borrowers if the car ends up being sold for more than was owed.3. Pawn shops.You might not think of pawn shops as a place where you go to borrow money, but that’s exactly how they work. Customers bring in valuable items that are then used to secure small-dollar loans; if the borrower can’t pay the loan back, the pawn shop gets to keep the collateral and sell it.Similar to title loans, the amount you can borrow with a pawn shop loan will vary depending on the worth of the item being used as collateral. The more valuable the item, the more money you’ll be able to borrow but the more you’ll stand to lose if you default on the loan.All small-dollar loans are regulated at the state and local level, meaning that loan terms and interest rates will vary depending on where you live. But even compared to payday and title loans, the rates and terms for pawn shop loans vary wildly. Most pawn shop loans are issued on a month-to-month basis.Pawn shops charge anywhere from 15 to 240 percent interest depending on local and state regulations. Before deciding whether a pawn shop loan fits your bad credit borrowing needs, you should do research on your local laws to see what kinds of rates you’ll be charged.4. Installment loans.Unlike the other loans included in this list, installment loans come with repayment terms that are longer than two weeks or a month. Your typical installment loan often comes with repayment terms anywhere from nine to 18 months.In some ways, bad credit installment loans are the same thing as regular personal loans; they simply come with higher interest rates. Installment loans are paid off in a series of regularly scheduled paymentsâ€"instead of just one lump sumâ€"and they charge interest as an ongoing rate instead of as a flat fee.Installment loans are also amortizing, which means that each payment goes towards both the interest and principal loan amount. Early payments  mostly go towards interest, while later payments are almost entirely principal. The ratio between the two changes according to the loan’s amortization schedule.Since installment loan interest is charged as on ongoing rate, paying the loan off early will save you money. Before borrowing, however, you shoul d check to see whether or not the lending company charges prepayment penalties, which penalize you for doing just that.The rates for installment loans differ from loan to loan, lender to lender, and state to state. Still, the rates for installment loans are oftentimes lower than the rates for title and payday loans. One of the few downsides is that longer loan terms can mean more money paid towards interest overall compared to short-term loans.Still, the smaller individual payments for installment loans could end up negating that extra cost. If a borrower is unable to pay off their short-term loan, they will be forced to roll it over or reborrow it. And every time they do, their cost of borrowing goes up. Meanwhile, making regular payments on an installment loan keeps costs steady.With payday loans and title loans, it is rare that a lender will run any sort of check on their customers’ ability to repay the money they’re borrowing. With installment loans, this practice is more co mmon. They often perform their due diligence by verifying an applicant’s income or running a soft check on their credit historyâ€"one that won’t affect their score.Lastly, some installment lendersâ€"like OppLoansâ€"report their customers payment information to the credit bureaus. This means that on-time loan payments will be reflected in customers’ credit history and can help them build their credit scores.Borrow now, plan for later.Even the best bad credit loan is no match for a well-stocked emergency fund. Instead of paying money towards interest, your long-term financial plan needs to involve money that’s been set aside to deal with surprise bills and other unforeseen expenses.While youre building those savings, it wouldn’t hurt to tackle your credit score as well. Even if you end up needing to borrow money to pay for a car repair bill or a medical expense, a good credit score will mean you can take out a loan with much lower interest rates to do so.If you have bad cred it, you should focus on paying your bills on time and paying down your debt, as those two factors make up 65 percent of your overall score. For debt repayment, you should try either the Debt Snowball or the Debt Avalanche methods.And no matter what steps you take to improve your financial situation, one of those steps needs to be building a budget and then sticking to it. Without that, all your other efforts to pay down debt, improve your credit, and build up your savings will fall flat on their faces. To learn more, check out these other posts and articles from OppLoans:How to Raise Your Credit Score by 100 PointsSave More Money with These 40 Expert TipsFinancial Basics: Expert Tips for Smarter SpendingBuilding Your Financial Life: Budgeting for BeginnersDo you have a personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |Instagram

Native American Culture Essays - 1004 Words

Native American Culture is a culture of respect to their ancestors, and to their gods such as the moon, sun, and animals. Believing in reincarnations, they give sacrifice of animals and dance around fire to be in their gods favor; for when they die they will return in some form of animal or human. Reasons for the expansion of Europe into the west were 1). They were in search of riches ex. Gold, oil, tobacco, land, crops est., they figured if they can find these resources they can trade them and make lots of money. 2) They wanted to conquer other lands with people in it, so that they can control them; meaning using them as slaves. As slaves you can sale them for profit, work them in your house hold to do your chores, and work them in your†¦show more content†¦2) The equality to men- meaning women were started to be treated like men in most circumstances like jobs, political matters and in families. 3) The rights to an education. 4) The change of the surroundings before the ch ange things were tended more for men but after the change things started to tend for women ex. Books, jobs, and schools. Problems the confederacy faced during their form of government were, Debt- America; during post-revolutionary war there was no solution to the war debt which was overwhelming to both the nation and state. The confederacy was not organized, they had no type of police to give the law and follow it, they formed a convention but they did not have a supreme leader to oversee everything so things were not done correctly, problems of non-uniform commercial policies, nonpayment of state quotas, insufficient sources of national revenue, and non-attendance by state delegates. Also there the great compromise of the constitution. One of them was the Great compromise, were small states wanted all states to have the same number of representatives to Congress, and large states wanted representation to be determined by the population of the state. Another compromise was the 3/5t hs compromise, were southern states wantedShow MoreRelatedThe Native American Culture Of Native Americans1335 Words   |  6 Pagesand music, and Native American is no exception. First, the native music related many aspects such as ritual, life and work. They like to combine music with dance, and the Native American music always created rich percussion instruments. For example, the hand drum, log drum, water drum and rattle, etc. Powwow is an important festival and ritual for the Native American, and it is a symbol for the tradition culture of Native Indians. Powwow, is a social gathering by the Native American tribes, and theyRead MoreNative American Culture781 Words   |  4 PagesNative American Culture Have you ever wonder how the world was created from another culture’s perspective? Native Americans used creation myths to explained to their people how the world was developed overtime. Creation myths are a big part of the Native American culture. they have been passed down from generation to generation. In the creation myths, harmony with nature, rituals, and strong social values are shown in each myths. The purpose of having strong social value in these myths is to teachRead MoreNative American Culture And Culture Essay2065 Words   |  9 Pagescomprehend enough of their own culture identity? Every culture has their own identity. We all have the same human race. However, for me, even though USA is one of the biggest countries in the world, it’s hard to believe USA is a multicultural country, which has many people who came from overseas to the US to represent their own culture in there. There are Native American culture, Mexican culture, Chinese culture, Korean cultu re etc. and there is no way to count all the cultures which exist in the US becauseRead MoreNative American Tradition Culture Of Native Indians1338 Words   |  6 Pagesand music, and Native American is no exception. First, the native music related many aspects such as ritual, life and work. They like to combine music with dance, and the Native American music always created rich percussion instruments. For example, the hand drum, log drum, water drum and rattle, etc. The Powwow is an important festival and ritual for the Native American, and it is a symbol of the tradition culture of Native Indians. Powwow, is a social gathering by the Native American tribes, and theyRead MoreNative American Art And The American Culture1252 Words   |  6 PagesNative american culture is packed with many different things. In this paper I will be writing about what I researched and found about Native American art. Native American art is made up of many different forms and techniques. It plays an important role in what makes up native American culture and tradition, some of which is still around today,. In Native American’s daily life was simply not possible without the arts, there are many different types and forms, some common types include painting, basketRead MoreThe Culture and History of Native Americans763 Words   |  4 PagesNative American, or American Indians, have a rich culture comprised of struggle, strife and success. For this paper, i will discuss the Native American Culture and its history. History Spotted Tail, Lakota Sioux Chief stated: This war did not spring up on our land, this war was brought upon us by the children of the Great Father who came to take our land without a price, and who, in our land, do a great many evil things....This war has come from robbery from the stealing of our land. (LazarusRead MoreMusic Of Native American Culture879 Words   |  4 Pagesof Native American Culture. It is used in many different ways, such as expressing one’s feelings or through the use of self-expression. There are unique collection of instruments that are played in ceremonial events, recreation, and even through healing. Some of these instruments are drums, flutes, rattles, and other percussion instruments. The voice is also used quite a lot and may even be the most important one because it is the backbone of music made in Native American Cultures. Native AmericanRead MoreThe Native American Tribes Culture1440 Words   |  6 PagesAbstract The Native American tribes’ culture has been affected as a result of the change in a climate whereby most of the refined foods are not consumed by the modern and the manufactured foods. The Native Americans of the American Indian, Alaska and the Bannock tribes face unique challenges whereby their native foods are no more due to the destruction of their cultural practices, and people have turned into taking the modern food (Marry, 2016). The climate change has led to the loss ofRead MoreNative American Cultures And Societies1367 Words   |  6 PagesNative American cultures and societies were without a doubt dynamic. Each society and their culture were comprised of various aspects including: creation stories, morals, beliefs and overall ways of living. Native Americans would base their beliefs on scientific, religious, or mythological studies. Unfortunately, with each society’s different style of living, it would lead to the demise of many tribes. External structural forces are circumstances that are beyond our control. It contains larger forcesRead MoreThe Between European American Culture And Native American Cultures1248 Words   |  5 PagesChocolate Thunder sang with her and turned the whole thing into a healing duet† (p. 100). The European American twist is the vibrating, phallic dildo. It is comically used as some sort of a â€Å"magic healing stick† that is part of Native American cu stoms. As a result, Chocolate Thunder, the sexual toy in question, is placed over the son’s crib once the son recovers. This playful European American theme is a key part of an intense Spokane Indian healing ritual that is seemingly as powerful as contemporary

The First Job Position That I Got Became The Fire Chief

The first job position that I picked was the Fire Chief. The general requirements for this position would be under limited direction, perform responsible work in the administration of the County fire and rescue services in accordance with Federal, State, and County laws. Work involves directing, planning, budgeting, developing, organizing, and managing the public fire and rescue system for the County. Responsible for implementing activities required in the long-term planning and budgeting for the County volunteer fire departments, serving as liaison between County administration and volunteer fire departments, and directing the activities of the Fire Rescue Division in emergency situations in order to protect lives and property of those in†¦show more content†¦Work involves directing, planning, budgeting, developing, organizing, and managing the public fire and rescue system for the County. Responsible for implementing activities required in the long-term planning and budget ing for the County Volunteer fire departments, serving as liaison between County administration and volunteer fire departments, and directing the activities of the Fire Rescue Division in emergency situations in order to protect lives and property of those in need of assistance. Duties for this Position †¢ Supervises staff including but not limited to prioritizing and assigning work; monitoring and managing performance and conducting performance evaluations, ensuring that staff is trained, maintaining standards, coordinating activities, allocating personnel, making hiring, termination, and disciplinary/grievance decisions, and recommending and approving employee transfers, promotions, and salary increases. †¢ Develops and oversees implementation of the County’s fire/rescue protection system which includes assessing community needs, setting priorities, determining available resources, and evaluating protection options. †¢ Formulates and enforces departmental rules and regulations, work methods, and procedures. †¢ Reviews reports of the activities of each fire/rescue division and provides feedback to

Balance Sheet and Regulatory Features Paper Free Essays

Financial institutions offer a wide array of services that vary in terms of transactions, clients, packaging, volume and other parameters. Among them are the investment securities firms, banks and insurance companies. In general, they all â€Å"perform the essential function of channeling funds from those with surplus funds to those with shortages of funds† (Saunders Cornett, 2003). We will write a custom essay sample on Balance Sheet and Regulatory Features Paper or any similar topic only for you Order Now Then as they progress with their respective financial products, services, and target markets, then their roles in the financial world become more apparent. Investment Securities Firms Investment securities firms act as brokers and sell securities such as company stocks, commercial papers and promissory notes as well as government-issued treasury bills. â€Å"[They] assist individuals who want to purchase new or existing securities issues or who want to sell previously purchased securities† (Melicher Norton, 2003). Full service of these firms for individual clients would include doing research on securities available for them to invest in and rendering advisory services by giving clients timely information and recommendations based thereon (Saunders Cornett, 2003). These they do also for corporate clients that park some of their idle company funds in securities – both fixed-income securities and stocks. These firms charge commission and service fees for their services, and this is basically how they generate their income. Depository Institutions While investment securities firms are non-depository institutions, those that are designated as depository institutions can accept deposits from retail savers. They include banks, savings institutions and credit unions (Saunders Cornett, 2003). While non-depository institutions plainly act as intermediaries of funds from the sources (the investors and the savers) to the users (the companies needing additional working capital to fund their operations, etc. ), depository institutions can act both as intermediaries and as custodians of the money entrusted to them. When an investor goes to an investment securities firm to either buy stocks or to put some money in commercial papers, they know that their money is placed in the company that issued the securities (stock or debt instruments). They will therefore be concerned with the financial well-being of the securities issuer, and not so much the investment securities firm. This is because the company primarily responsible for the safety of the value and the income of their money is the same company that issued the securities they invested in. In contrast, when an investor goes to a depository institution like a bank to leave their money there for safekeeping until they would need to use it or to invest it elsewhere, the same investor is placing his trust and confidence in the depository institution. He, therefore, believes that the institution is financially sound and that putting his money in their custody is a safe move. The institution, in turn, accepts the deposits and stands to be responsible for them. In behalf of their depositors, then, they invest the pooled deposits elsewhere and lend them to qualified borrowers. Financial Intermediaries Financial intermediaries generally include banks, investment securities firms, investment banks, insurance companies and pension funds. They are grouped into three categories: the depository institutions (banks), the contractual savings institutions (insurance companies) and investment intermediaries (mutual funds). These entities stand between the lender-savers and the borrower-spenders and facilitate the transfer of funds from one to the other. (Mishkin, 2001) They receive money and pass them on as investments, subject to their respective agreements or transaction contracts with their clients. How to cite Balance Sheet and Regulatory Features Paper, Papers

2Pac Shakur Essay Example For Students

2Pac Shakur Essay Tupac (Two-pahk) Amur Shakur, commonly known as 2pac, led a violent life. He died on September 13, 1996. He was a gangsta rapper/Aspiring actor. Tupac was a big figure in the rap community, always doing what he wanted and not caring what others thought of him. His life symbolized what a lot of people have gone through, through his music and movies he showed us how hard life can be. Tupac was born in Brooklyn, NY in 1971. His family and he moved to Baltimore, Maryland early in his life. He took Performing Arts classes at his chool; his teachers said he looked promising. He never finished school. He dropped out and moved to a small town outside Oakland, CA (Associated), however he did go to college and finish his high school credits. All his life he was raised by his mom, with his sister. He always led a violent life; April 5, 1993, he assaulted a fellow rapper with a baseball bat. October 31, 1993, he was charged with shooting two off duty police officers. The charges were later dropped. November 19, 1993, he was convicted of sexual assault (Death). In November 1994, Tupac himself was shot during an attempted robbery outside a music studio in New York. Tupac did, however, mention this; Thug life to me is dead. If its real, let somebody else represent it because Im tired of it. Shakur told Vibe Magazine. I represented it too much. I was Thug Life( Associated). Tupac had a very promising career. His first album 2pacallyps Now was very successful. Not too late after that his movie Juice was released in 1992. He released two more albums titled Strictly for my Niggaz and Me against the orld and two more movies Poetic Justice (1993) and Above the Rim(1994). His last album, All Eyes on Me sold over 6 million copies and was the first double CD for rap music. (Thuglife)(Associated) 4:03 p. m. PDT, Friday, September 13, Tupac died of respiratory failure and cardio-pulmonary arrest at University Medical Center, Las Vegas(Payne). He died of bullet wounds to the abdomen and chest at the young age of 25 (Unofficial). Shakur was shot four times in the chest and abdomen. Police believe he was the target. He lingered in a coma before he died. So far police have no suspects. All they are saying is that the people were in a white cadillac, not from Las Vegas where he was shot (Associated). I believe that Tupac although he lived a violent life, mostly tried to keep others away from the life he had lived. He died after going farther than a lot of people would have gotten in their entire life. Some believe that Tupacs death was faked but I do not know which to believe. This man was great at what he did, rap, and movies and that is what I admire him for.

Female Entrepreneurs in the UAE 10 years ago and in 2013

Introduction Entrepreneurs, regardless of their inherent location or gender, share similar problems in relation to properly accessing sufficient capital to start their business, being able to attract customers, developing a sufficient cash flow to sustain their venture and a variety of other nuances that are connected to the process of developing a business.Advertising We will write a custom proposal sample on Female Entrepreneurs in the UAE 10 years ago and in 2013 specifically for you for only $16.05 $11/page Learn More Within the study of Tlaiss (2013), it was explained that in most market economies small to medium scale enterprises (SMEs) make up the bulk of a country’s enterprises constituting 80 to 90 % of local businesses [1]. Such an orientation can also be seen in the case of the UAE wherein SMEs make up 82% of local businesses within the country and employ up to 80 % of the workforce. Despite this, it must be noted that despite the fact that SMEs constitute 82% of local businesses they are still overshadowed by the region’s oil and natural gas industry which accounts for a large percentage of the UAE government’s budget revenues [1]. This is in stark contrast to the situation found in countries such as the U.S., UK, China and other industrialized countries where local SMEs makeup more than 70 % of GDP, 60 to 70 % of local government revenue and 75 % of export earnings. While the UAE’s status as an oil exporter does entail a decidedly different economic structure, it must be noted that given the nonrenewable state of its oil reserves it is absolutely necessary to implement some measure of encouraging the development of SMEs in order to have a strong local economy in place that is not dependent on resource that will inevitably dry up [9]. With the development of new internal policies within the UAE comes an era where women have become more empowered, both in the workforce and in entrepreneurship. This is evidenced by the fact that nearly 54% of all university graduates within the UAE are women and that a growing percentage of them focus on furthering their own careers and the development of their family business rather than enter into a prospective marriage [10]. As a result, with declining marriage rates comes a distinct decline in access to sufficient capital by bachelors since it is the intermarriage between families that is the source of capital for an entrepreneur in the UAE to establish his own business [2]. This is not to imply that women themselves cannot be entrepreneurs within the country, far from it, women are actually actively encouraged to take part in business and several have become successful entrepreneurs. However, due to various types of cultural restrictions which are a part of social traditions in the UAE, this creates a low rate of female entrepreneurship with only 3 out of 10 entrepreneurial businesses being started by a woman [2]. These restrictions come in the form of:Advertising Looking for proposal on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More Women needing permission from a male to start a business Separate bank accounts are necessary (i.e. male for male, female for female) Insufficient support from the government Lack of collaboration with other women In this paper what will be analyzed are the inherent difficulties experienced by female entrepreneurs within the U.AE. It is expected that through the various facts and arguments presented in this paper, a clearer picture can be developed regarding what difficulties female entrepreneurs experience within the UAE and what processes have been put in place by the government in order to address such issues. It is expected that through proper investigation and analysis, this paper will create effective suggestions as to how female entrepreneurs within the region can best respond to the financial opportunities and challenges they are currently experiencing. Objective The primary objective of this paper is to compare the situation of female entrepreneurs within the UAE 10 years ago with their current situation in 2013. Through this analysis, this paper will be able to show whether sufficiently positive developments have been enacted that would be conducive towards developing a better environment to encourage female entrepreneurship within the UAE. In this paper what will be examined is the current state of SME’s within the UAE and the situation of female entrepreneurs in 2013 as compared to how they were ten years ago. By comparing their situation in 2004 with their current situation in 2013, this paper will be able to determine whether sufficiently positive changes have been implemented resulting in a better overall situation for the growth of female entrepreneurship within the UAE. Through this section, a greater understanding will be developed regarding the various factors that rest ricted the growth of female entrepreneurship within the region and if such factors continue to take a dominating role in gender based entrepreneurial growth. So far, what this section has shown is that the problems female entrepreneurs currently face within the country come in the form of traditional cultural practices, insufficient government support and lack of proper access to financial institutions. Such processes are distinctly different from those in western countries since there is little in the way of a similar discriminatory process. When comparing the data from the article â€Å"Small Enterprises: Women Entrepreneurs in the UAE† by Hans Christian Haan with current academic articles examining the state of female entrepreneurship within the country, it was shown that the issues have remained roughly unchanged from the time that the Haan article was written. It is based on this that the primary objective of this paper is to expound on such issues and determine how they can be resolved. Problem Definition Ten years ago, female entrepreneurs within the UAE suffered from a string of limiting factors that prevented their expansive growth. This came in the form of traditional cultural practices, insufficient government support and lack of proper access to financial institutions. Since these factors were in place ten years ago, this study will thus seek to determine whether these problems continue to exist at the present, how female entrepreneurs view such problems and what solutions may be needed in order to effectively address them.Advertising We will write a custom proposal sample on Female Entrepreneurs in the UAE 10 years ago and in 2013 specifically for you for only $16.05 $11/page Learn More It is based on this discovery that in the following section an investigation will be conducted regarding the current perception of female entrepreneurs involving the problems they face and what possible means of addressing them could be developed. The fact remains that the current policy system within the region suffers from significant gender specific biases. This creates barriers towards the creation of a better business environment for female entrepreneurs. What is necessary is the development of better policy initiatives in not only removing gender barriers in entrepreneurial activity but also in developing the necessary networks for female entrepreneurs to thrive. Another necessary examination is to elaborate on the current status of female entrepreneurial funding within the country and how this has affected the success/ failure rates of entrepreneurs. Another question that must be delved into is whether all the recent programs aimed at creating better conditions for female entrepreneurs have been effective or have things remained the same despite their implementation? The end result of such an analysis is to understand what methods of female entrepreneurial funding would the entrepreneurs like to see implemented so as to create a better business environment that is more conducive towards entrepreneurial activity. Literature Review Current Attitudes Regarding Business Financing Based on the article â€Å"Small Enterprises: Women Entrepreneurs in the UAE† by Hans Christian Haan, it was noted that women within the UAE rely on their own personal savings as their primary method of creating startup capital [12]. This is an incredibly laborious and time consuming process which would of course slow down the process of entrepreneurial activity within any country that utilizes such a system [11]. Such a situation is in stark contrast to the way in which the entrepreneurial sector in other countries such as China, the U.S., the UK and even in certain sectors in the Middle East work since it is often seen that investing in entrepreneurs creates numerous beneficial actions, such as: A better local economy Greater amount of bank deposits Helping out what could potentially develop int o a larger enterprise Banks generally think of entrepreneurs as â€Å"safe bets† when it comes to loans due to the attitude of entrepreneurs in paying back what they owe even if a particular business did not turn out as successful as expected [11]. Thus, startup capital in such situations often comes about through bank loans resulting in a far quicker level of business creation.Advertising Looking for proposal on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More After conducting an analysis of the Erogul (2011) article which examined the current situation of women entrepreneurs within the UAE, it was revealed that female entrepreneurs still continue to rely on their own slowly accumulated capital as compared to merely taking out a bank loan [3]. This shows that from 2004 till the present, there has been little change in the cultural attitude regarding entrepreneurial financing among women [8]. One of the potential reasons behind such a state of affairs has been connected to the currently arduous process of taking out a loan within a bank wherein a male sponsor is needed in order to sign and guarantee all aspects of the loan [13]. Since female entrepreneurs have to rely on a sponsor who may not always be there, this further impedes the process of business development which actually discourages women from relying on banks as a source of capital [4]. It was seen that in the article â€Å"Small Enterprises: Women Entrepreneurs in the UAE† by Hans Christian Haan that in the case of the UAE, family played a crucial role in the funding and development of small to medium scale business ventures for women wherein more than 25% of local businesses started by female entrepreneurs were a result of family members contributing towards the initial starting capital of the entrepreneur and actively gave advice regarding the proper management of the business [7]. In fact, it was noted by researchers such as Mostafa (2005) that it is the strong interfamily ties within the country’s culture that limits the export market of the UAE. This is due to the development of a business culture where it has become preferable to deal with family members or friends of the family when it comes to joint business ventures and business opportunities. This in effect severely curtails the ability of a business to expand beyond its current market due to the inherent hesitance in dealing with the unfamiliar [5]. While there is nothing inherentl y wrong with family based methods of capital financing, studies such as those by Mostafa (2005) stated that it often came with certain conditions related to the types of business that can be gone into by female entrepreneurs [5]. This often entailed clothing, textiles, and manufacturing that were often detailed as the â€Å"traditional domain† of female entrepreneurs within the UAE. This conditional funding through family based methods of capital development can actually be considered a limiting factor in the capacity for female entrepreneurs to establish themselves in new types of business and, as such, can be considered a detrimental feature of the current â€Å"entrepreneurial funding† system within the UAE Analysis of Government Policy Initiatives An analysis of government policy initiatives that were mentioned in the Haan article showed the presence of gender specific barriers in entrepreneurship wherein male sponsorship, male networking and overall male assistanc e was required when it came to women entering into any form of entrepreneurial activity. The problem with the implementation of male sponsorships is that it is not needed in the case of women entrepreneurs since males basically just sign their signatures on a piece of paper [6]. They are not partners in the business nor do they take an active role in it; basically the Haan article shows that men are just there to show that there is a level of biased gender supervision occurring. Through the work of Madsen (2010), it was revealed that at the present, there have been no government policy initiatives to address such issues with the same policies continuing to exist [6]. Contributing to this problem is the lack of sufficient government funding in the development of female support networks which are there to help women in connecting with each other and developing the necessary relationships to grow and expand their business. While it may be true that the UAE government states that it act ively promotes female entrepreneurship and even gives awards to prominent female entrepreneurs, the fact remains that the current policy system within the region suffers from significant gender specific biases. This creates barriers towards the creation of a better business environment for female entrepreneurs [6]. What is necessary is the development of better policy initiatives in not only removing gender barriers in entrepreneurial activity but also in developing the necessary networks for female entrepreneurs to thrive. Methodology The methodology that will be utilized within this particular study will be comprised of an evaluation of questionnaire results sent to a variety of female entrepreneurs within the UAE in order to determine the various difficulties they experience on a daily basis when it comes to entrepreneurial activities. Approaching the Candidates In order to gather the necessary data for this study, 20 female entrepreneurs will be approached by first contacting th em via email. They will be asked if they would be willing to be part of an online survey utilizing the web service www.surveymonkey.com where all their responses will be recorded. If they agree, all they would need to do is click the link on the email and they will immediately be sent to the survey page where they will fill out their personal information and fill out the questionnaire that has been developed. Questions The first set of questions that will be sent to entrepreneurs will be comprised of the following: How were you able to initially fund your business? Was it through family funds? Bank loans or through government sponsored programs? Aside from the method of funding that you utilized for the initial financing of your business, what method of funding would you want to utilize for any future expansion? Are you going to utilize the same initial source of funding or are you going to go for alternatives? Would you say that financing a business is relatively easy or simple wi thin the UAE? Have you ever utilized a bank loan as means of financing some method of your business operation? If so what were the complications that you experienced, if any. What are some of the complications you have experienced as an entrepreneur within the UAE? Please elaborate on some of your experiences when it came to finding funds for your business. Would you say that local government programs have been an effective resource for local funding? In terms of developing an entrepreneur, would you say that the local government programs aimed at educating young female entrepreneurs have been effective? When it comes to the sale and development of your current product line/service, are you looking towards expanding only within local markets or do you have any plans in expanding internationally? Please explain your reasons for doing so on whatever choice suits you the most. What would you say is the most difficult aspect of being a female entrepreneur within the UAE? Do you know of any female entrepreneurs that have been successful in developing their business to encompass foreign markets? If so what was the source of their finances? As a female entrepreneur within the UAE, please elaborate on the current status of female entrepreneurial funding within the country and how this has affected the success/ failure rates of entrepreneurs. Reference List H. Tlaiss. â€Å"Women Managers In The United Arab Emirates: Successful Careers Or What?.† Equality, Diversity Inclusion, vol. 32, no. 8, pp. 756-776, 2013 Y. Itani, S. Yusuf, and I. Baalbaki. â€Å"United Arab Emirates Female Entrepreneurs: Motivations and Frustrations.† Equality, Diversity Inclusion, vol. 30, no.5, pp. 409-424, 2011 M. Erogul.†Social Capital Impediments in the United Arab Emirates: A Case of Emirati Female Entrepreneurs.† Journal Of Enterprising Culture, vol. 19, no.3, pp. 315-339, 2011 Q. Tong. â€Å"An Analysis of Entrepreneurship across Five Major Nationality Grou ps in the United Arab Emirates.† Journal Of Developmental Entrepreneurship, vol. 17, no.2, pp. 1, 2012 M. Mostafa. â€Å"Attitudes towards Women Managers in the United Arab Emirates: The Effects of Patriarchy, Age, and Sex Differences.† Journal Of Managerial Psychology, vol. 20, no.6, pp. 522-540, 2005 S. Madsen. â€Å"Leadership Development in the United Arab Emirates: The Transformational Learning Experiences of Women.† Journal Of Leadership Organizational Studies (Sage Publications Inc.), vol. 17, no.1, pp.100-110, 2010 â€Å"Typology of Career Development for Arab Women Managers in the United Arab Emirates.† Career Development International, vol. 15, no.2, pp. 121-143, 2010 E. Harrison and S. Michailova. â€Å"Working In the Middle East: Western Female Expatriates’ Experiences in the United Arab Emirates.† International Journal Of Human Resource Management, vol. 23, no.3, pp. 625-644, 2012 N. Madichie and M. Gallant. â€Å"Broken Silenc e: A Commentary on Women’s Entrepreneurship in the United Arab Emirates.† International Journal Of Entrepreneurship Innovation, vol. 13, no.2, pp. 81-92, 2012 G. Ghazal, Vidican, and D. Samulewicz. â€Å"Assessing the Impact of Socio-Economic Inequities on College Enrolment: Emerging Differences in the United Arab Emirates.† Journal Of Higher Education Policy Management, vol.33, no.5, pp. 459-47, 20111 J. Kunnanatt. â€Å"Doing Business in the United Arab Emirates – The Strategic Business Environment.† Journal Of The Academy Of Business Economics, vol.13, no.4, pp. 145-152, 2013 H. Haan. â€Å"Small Enterprises: Women Entrepreneurs in the UAE.† Centre for Labor Market Research Information (CLMRI), vol. 1, no. 1, pp. 1-52, 2004 Trident Communications. â€Å"Women Business Owners in the United Arab Emirates.†Center of Arab Women for Training and Research, vol. 1, no. 1, pp. 1-48, 2007 This proposal on Female Entrepreneurs in the UAE 10 years ago and in 2013 was written and submitted by user Jaydin J. to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Biography of Alexander II, Russias Reformist Tsar

Biography of Alexander II, Russia's Reformist Tsar Alexander II (born Alexander Nikolaevich Romanov; April 29, 1818 – March 13, 1881) was a nineteenth-century Russian emperor. Under his rule, Russia moved towards reform, most notably in the abolition of serfdom. However, his assassination cut these efforts short. Fast Facts: Alexander II Full Name:  Alexander Nikolaevich Romanov Occupation: Emperor of RussiaBorn: April 29, 1818 in Moscow, RussiaDied: March 13, 1881 in Saint Petersburg, RussiaKey Accomplishments: Alexander II earned a reputation for reform and a willingness to bring Russia into the modern world. His greatest legacy was the freeing of Russian serfs in 1861.Quote: The vote, in the hands of an ignorant man, without either property or self respect, will be used to the damage of the people at large; for the rich man, without honor or any kind of patriotism, will purchase it, and with it swamp the rights of a free people.† Early Life Alexander was born in Moscow in 1818 as the first son and heir of Tsar Nicholas I and his wife Charlotte, a Prussian princess. His parents’ marriage was, luckily (and somewhat unusually) for a purely political union, a happy one, and Alexander had six siblings who survived childhood. From birth, Alexander was given the title of Tsesarevich, which was traditionally given to the heir to the Russian throne. (The similar-sounding title tsarevich applied to any sons of a tsar, including non-Russians, and ceased being used by Romanov rulers in 1797). The upbringing and early education of Alexander was not one that seemed conducive to create a great reformer. Indeed, the opposite, if anything, was true. At the time, the court and political atmosphere was intensely conservative under his father’s authoritarian rule. Dissent from any corner, regardless of rank, was severely punishable. Even Alexander, who was the darling of his family and of all Russia, would have had to be careful. Nicholas, however, was nothing if not practical in the upbringing of his successor. He had suffered from a dull, frustrating education as a â€Å"spare† to the throne (his immediate predecessor was not his father, but rather his brother Alexander I) that had left him without any desire to take up the title. He was determined to not let his son suffer the same fate and provided him with tutors that included reformer Mikhail Speransky and romantic poet Vasily Zhukovsky, plus a military instructor, General Karl Merder. This combination led to Alexander being well-prepared and more liberal than his father. At the age of sixteen, Nicholas created a ceremony in which Alexander formally swore allegiance to the autocracy as the successor. Marriage and Early Reign While on tour in Western Europe in 1839, Alexander was in search of a royal wife. His parents preferred Princess Alexandrine of Baden and arranged for the twenty-one-year-old tsesarevich to meet her. The meeting was unimpressive, and Alexander declined to pursue the match. He and his entourage made an unplanned stop at the court of the Grand Duke of Hesse, Ludwig II, where he met and became smitten with the duke’s daughter, Marie. Despite some early objections from his mother and a long engagement because of Marie’s youth (she was only fourteen when they met), Alexander and Marie married on April 28, 1841. Although the protocols of court life did not appeal to Marie, the marriage was a happy one, and Alexander leaned on Marie for support and advice. Their first child, the Grand Duchess Alexandra, was born in August 1842, but died of meningitis at the age of six. In September 1843, the couple had their son and Alexander’s heir, Nicholas, followed in 1845 by Alexander (the future Tsar Alexander III), Vladimir in 1847, and Alexei in 1850. Even after Alexander took mistresses, their relationship remained close. Nicholas I died of pneumonia in 1855, and Alexander II succeeded to the throne at the age of 37. His early reign was dominated by the fallout from the Crimean War and cleaning up overwhelming corruption at home. Thanks to his education and personal leanings, he began pushing forward a more reformist, liberal set of policies than the iron-fisted authoritarianism of his predecessors. Reformer and Liberator Alexander’s signature reform was the liberation of the serfs, which he began working towards almost immediately after coming to the throne. In 1858, he toured the country to encourage the nobility – who were reluctant to give up their reliance on serfs – to back the reform. The Emancipation Reform of 1861 formally abolished serfdom throughout the Russian Empire, giving 22 million serfs the rights of full citizens. His reforms were not limited to this by any means. Alexander ordered the reform of the Russian military, from enforcing conscription for all social classes (not just the peasantry) to improving officer education to creating districts for more efficient administration. An elaborate and detailed bureaucracy worked to reform the judicial system and make the system simpler and more transparent. At the same time, his government created local districts that took on many duties of self-governance. Despite his zeal for reform, Alexander was no democratic ruler. The Moscow Assembly proposed a constitution, and in response, the tsar dissolved the assembly. He fervently believed that diluting the power of the autocracy with representatives of the people would destroy the populace’s quasi-religious view of the tsar as a divinely-ordained, unquestioned ruler. When separatist movements, particularly in Poland and Lithuania, threatened to erupt, he suppressed them harshly, and later in his reign, he began to crack down on liberal teachings at universities. However, he supported efforts in Finland to increase its autonomy. An assassination attempt in April 1866 may have contributed to Alexander’s shift away from his earlier liberal reforms. Assassination and Legacy Alexander was the target of several assassination attempts, including the one in 1866. In April 1879, a would-be assassin named Alexander Soloviev shot at the tsar as he walked; the shooter missed and was sentenced to death. Later that year, other revolutionaries attempted a more elaborate plot, orchestrating a railway explosion – but their information was incorrect and they missed the tsar’s train. In February 1880, the tsar’s enemies came closer than they ever had before to achieving their goal when Stephan Khalturin, from the same radical group that bombed the train, managed to detonate a device in the Winter Palace itself, killing and wounding dozens and causing damage to the palace, but the imperial family was awaiting a late arrival and was not in the dining room. On March 13, 1881, Alexander went, as was his custom, to a military roll call. He rode in a bulletproof carriage gifted to him by Napoleon III, which saved his life during the first attempt: a bomb thrown under the carriage as it passed by. Guards attempted to evacuate Alexander quickly. Another conspirator, a radical revolutionary named Ignacy Hryniewiecki, got close enough to throw a bomb directly at the fleeing emperor’s feet. The bomb horrifically wounded Alexander, as well as others in the vicinity. The dying tsar was brought to the Winter Palace, where he was given his last rites and died minutes later. Alexander left behind a legacy of slow but steady reform and began the modernization of Russia – but his death stopped what would have been one of the biggest reforms: a set of planned changes that Alexander had approved and spoke of as a step towards a true constitution – something Romanov rulers had always resisted. The announcement was set to be made around March 15, 1881. But Alexander’s successor chose instead to retaliate for the assassination with severe setbacks to civil liberties, including arrests of dissenters and anti-Semitic pogroms that would last for the rest of the Romanov era. Sources Montefiore, Simon Sebag. The Romanovs: 1613 – 1918. London, Weidenfeld Nicolson, 2017.Mosse, W.E. â€Å"Alexander II: Emperor of Russia.† Encyclopaedia Britannica, https://www.britannica.com/biography/Alexander-II-emperor-of-RussiaRadzinsky, Edvard. Alexander II: The Last Great Tsar. Simon Schuster, 2005.