Accounting Ethics - The point of Ethical Practices in firm and Personal Finance

Do you know about - Accounting Ethics - The point of Ethical Practices in firm and Personal Finance

What is ethical accounting? The idea of accounting ethics deals with the moral and values-based judgments and decisions an accountant or accounting group confront daily in their practice. Due to the nature of their work as communicators of financial information to firm managers, shareholders, and the normal public, as well bookkeeping and auditing of firm entities, accountants and accounting agencies are held to the highest standards of transparency and morality in regards to their research and the information they convey. Accounting can be used as a way to study how and why a firm may effect or fail, but above all it is a public service; those who practice it must make judgments and decisions that can sometimes supersede the interests of their clients in favor of the interests of the public at large.

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Failure to apply ethical standards to accounting creates the opportunity for manipulation of facts and information that, if used to mislead, could cause a man to invest under false pretenses, or a firm to report its finances fraudulently to its shareholders. It is of the utmost importance that the public be able to trust accountants and accounting, because their financial future, and that of their family or business, could be at stake.

Why is it foremost that accountants and accounting firms be ethical?

Over the years there have been any large accounting scandals in the United States, and in the world at large, which caused hidden investors and public shareholders to lose billions of dollars, and giant businesses and accounting firms to fold, because of falsified or incorrect information given out about the clubs in which the money was invested. The Enron scandal is possibly the most recent and glaring example of unethical accounting causing broad negative effects, including the loss of billion in shareholder assets, the closure of the Arthur Anderson auditing firm, and the subsequent loss of 85000 jobs when the unethical practices were reported and the firm dissolved.

Ethical accounting is not only foremost to hidden businesses or individuals for reliable information about their respective financial states, but has a responsibility to the public to contribute transparent evaluations of publicly held firm entities. Ethical accounting can help eliminate the serious problems raised when incomplete or incorrect information about firm or personel is disseminated, recovery money and jobs and helping to increase stability in financial markets.

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Globe Life insurance

Do you know about - Globe Life insurance

Globe Life insurance is a fully owned subsidiary of the S&P 500 traded Torchmark Corporation, a company with nearly billion in assets under management. Torchmark's investment briefcase does not spend in subprime loan-backed securities or products, thereby enhancing the capability of its holdings. Torchmark specializes in getting affordable life and supplemental condition insurance into the financial lives of working middle-class Americans.

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How is Globe Life insurance

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Glob Life insurance has over billion of life insurance in force, comprising an estimated 4 million placed and active policies. The condition and life insurance company has been in existence since it was formed in rural Oklahoma in 1951 by two men with ,000 in borrowed capital. Globe's great claim to fame among life insurers is that they have been prosperous at cutting out the middle man--in other words, customers can crusade for and buy life insurance online without having to talk to an agent. Globe life also provides condition insurance. Their unique product briefcase includes both adult and child term life insurance, accidental death insurance, and their Medicare supplement insurance. But what's more, the company has a child safe kit product, a tool which records data (picture, corporal description, and fingerprints) about a child which can be used if that child goes missing.

Since Globe Life enables anything to get life, accidental death, and condition insurance by way of the Internet without an agent, it can pass on the savings it enjoys (by not needing to finance agents) in its premiums to customers. In addition, there aren't any healing examinations that prospective clients need to pass, either. insurance applicants need only rejoinder a handful of health-related questions, although they are expected to rejoinder them surely and accurately. Their answers can be checked against the national bureau of condition and healing records, and if a claim is made against the company and an investigation uncovers inaccuracy or fraudulent answers on the part of the insured the benefits may be reduced or not paid out at all.

Globe Life also offers a special incentive whereby the first month's premiums on a life insurance procedure is only .00. And, their life insurance coverage begins immediately and comes with a full 30-day money back guarantee.

There are limitations with such kinds of insurance, of course. Globe Life policies are little to no more than ,000 of death benefit. What's more, the procedure expires at the age of 80 regardless of how much was paid into it in premiums. Globe does not offer cash-building policies. But, they are extremely touted for their superior buyer service.

The Am Best Corporation, which has been an independent ratings agency analyzing insurance fellowships since 1899, has recently given Globe Life its top rating of A+ based on the company's financial asset strength, corporate management, and integrity.

Some of the advice about its products and services that Glob Life offers to prospective customers is: "There is a good occasion [additional insurance] might be [necessary]. Inflation has weakened many insurance policies. Life insurance is the ideal way to supplement your existing insurance. It can be used to cover funeral expenses or other miscellaneous debts that are left behind....[You don't need to sit straight through a sales call or meet with an agent]. Globe Life insurance is handled conveniently online and straight through the mail. You can retell the materials in the privacy of your home and purchase your procedure directly online and straight through the mail without any covering pressure."

Given today's economy, cultural need for speed, and people's exceptional concern about private privacy, Global Life insurance company is filling an leading store niche.

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The touch of Financial Markets Regulation in the Southern African Region - Part Two -

Do you know about - The touch of Financial Markets Regulation in the Southern African Region - Part Two -

The State of Financial Markets in the Southern African Region

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How is The touch of Financial Markets Regulation in the Southern African Region - Part Two -

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Up to the end of 1994, there were 14 stock exchanges in the entire African continent. These were Cairo (Egypt), Casablanca (Morocco), Tunis (Tunisia) in North Africa; Abidjan (Côte d'Ivoire), Accra (Ghana), and Lagos (Nigeria) in West Africa and Nairobi (Kenya) in Eastern Africa. In the Southern African region, they were Windhoeck (Namibia), Gaborone (Botswana), Johannesburg (South Africa), Port Louis (Mauritius), Lusaka (Zambia), Harare (Zimbabwe) and Mbabane (Swaziland). In 2005, most of other countries in Southern Africa have advanced their own stocks replacement markets. They are Maputo (Mozambique), Dar-Es-Salam (Tanzania) and Luanda (Angola).

With the irregularity of the Johannesburg Stock Exchange, and at a separate level, the Zimbabwe Stock replacement and the Namibia Stock Exchange, these markets are too small in comparison to advanced markets in Europe and North America, and also to other emerging markets in Asia and Latin America. At the end of 1994 there were about 1150 listed associates in the Africa markets put together. The shop capitalization of the listed associates amounted to 0 billion for South Africa and about billion for other African countries.

In the countries under review, stock markets are particularly small in comparison with their economies - with the ratio of shop capitalization to Gdp averaging 17.3 per cent. The microscopic contribute of securities in the markets and the prevailing buy and hold attitudes of most investors have also contributed to low trading volume and turnover ratio. Turnover is poor with less than 10 percent of shop capitalization traded annually on most stock exchanges. The low capitalization, low trading volume and turnover would advise the embryonic nature of most stock markets in the region.

We have gathered primary information on the current state of financial markets in Africa in general, and due to a microscopic time frame, it was not potential to collate, analyze and harmonize them. The format of this report cannot allow to take into observation all the data. From the most recent information, it becomes clear that with the ongoing reforms within the financial sectors in the countries under investigation, a lot of develop has been achieved in terms of regulatory and institutional capacity building. We could expect more results with the promotion of more open speculation regulations, allowing more financial flows in the region.

The sense of Financial Markets Regulation in the Southern African Countries

The financial systems of Southern African countries are characterized by high possession structure resulting in oligopolistic practices which create privileged entrance to credit for large associates but microscopic entrance to smaller and emerging companies. The regulatory framework must take into catalogue all the exact characteristics of these systems, and at the same time keep the normal approach potential to every regulatory instrument.

Financial systems in Southern Africa are also noted for their marked variations. Some systems, such as those in Mozambique, Angola and Tanzania were for a long period, dominantly government-owned, consisting mostly of the central bank and very few commercial banks. Up to date, Angola has not advanced a money and capital market, and the informal money markets are used extensively. Other systems had mixed possession comprising central banks, public, domestic, hidden and foreign hidden financial institutions. These can be further sub-divided into those with rich varieties of institutions such as are found in South Africa, Mauritius and Zimbabwe, and others with microscopic varieties of institutions as are found in Malawi, Zambia, Swaziland, etc.

Regulatory authorities in most of these countries have, over the years, adopted the procedure of financial sector intervention in the hope of promoting economic development. Interest rate controls, directed credit to priority sectors, and securing bank loans at below shop interest rates to finance their activities, later turned out to undermine the financial system instead of promoting economic growth.

For example, low lending rates encouraged less sufficient investments and discouraged savers from holding domestic financial assets. Directed credits to priority sectors often resulted in deliberate defaults on the belief that no court operation could be taken against the defaulters. In some cases, subsidized credit hardly ever reached their intended beneficiaries.

There was also tendency to join formal financial institutions in urban areas thereby development it difficult to contribute credit to citizen in the rural areas. In some countries, hidden sector borrowing was largely crowded-out by public sector borrowing. Small firms often had much strangeness in obtaining funds from formal financial institutions to finance businesses. Finally, the tendency of governments of the region to finance public sector deficits through money creation resulted not only in inflation but also in negative real interest rates on deposits. These factors had adverse consequences for the financial sector. First, savers found it unrewarding to invest in financial assets. Second, it generated capital flight among those unable or unwilling to invest in real assets thereby limiting financial resources that would have been made ready for financial intermediation. Coupled with this was the declining inflow of resources to African countries since the 1980s.

A viable financial shop can serve to make the financial system more competitive and efficient. Without equity markets, associates have to rely on internal finance through retained earnings. Large and well established enterprises, in singular the local branches of multinationals, are in a privileged position because they can make investments from retained income and bank borrowing while new indigenous associates do not have easy entrance to finance. Without being subjected to the scrutiny of the marketplace, big firms get bigger.

The availability of reliable information would help investors to make comparisons of the carrying out and long term prospects of companies; corporations to make good investments and strategic decisions; and contribute good statistics for economic procedure makers. Although sufficient equity markets force corporations to compete on an equal basis for the funds of investors, they can be blamed for favouring large firms, suffer from high volatility, and focus on short term financial return rather than long-term economic return.

In varied countries where domestic bond markets exist, these are commonly dominated by government treasury funding which crowds out the hidden sector needs for fixed interest rate funding. With minor exceptions, the international fixed rate bond markets have been terminated to African corporations. Thus the development of an active shop for equities could contribute an alternative to the banking system.

The development of financial markets could help to develop corporate capital structure and sufficient and competitive financial system. The capital structure of firms in Southern African countries where there are no viable equity markets are commonly characterized by heavy belief on internal finance and bank borrowings which tend to raise the debt/equity ratios. The undercapitalization of firms with high debt/equity ratios tends to lower the viability and solvency of both the corporate sector and the banking system especially during economic downturn.

Case studies in premium countries of Southern Africa

In all countries under study, both the historical background, the level of financial system development and the significance of financial markets structure and operations have considerably affected the nature of the regulatory framework. However, there are few countries whose objectives of financial shop liberalization were the basis for the development of a modern regulatory system. Mauritius and Botswana are examples which, together with South Africa and Zimbabwe, have advanced some of the most advanced and diversified financial markets systems in Sub-Saharan Africa. There is no doubt that economic and financial conditions of the economies of individual Southern African countries have played primary roles in shaping their financial market's regulatory framework.

1. Financial Markets in Botswana

An informal stock shop was established in 1989, managed and operated by a hidden stockbroking firm (Stockbrokers Botswana limited). In 1995, a formal stock replacement was established under the Botswana Stock replacement Act. The Bse performed remarkably well in terms of the level of capitalization, the value of the shares and the returns to the shares. The Bse contributed to the promotion of Botswana as a destination for international investment.

In 2004, the number of domestic associates listed was 18 while foreign associates listed were 7, and two in the speculation capital market. The Bank of Botswana introduced its own paper, BoBcs, since 1991, for liquidity supervision purposes, and there is a growing secondary shop for the instrument. In 1999, the Central Bank introduced an other instruments, the Repos (Re-purchase Agreements) and the National recovery Certificates with the objective to organize local money shop and to encouraging savings. In 1998, the International financial Services Centre (Ifsc) was established to promote world potential financial services.

2. Financial Markets in Mauritius

The Government of Mauritius has decided as a priority, to modernize and upgrading the financial system of Mauritius and recently took measures to develop the financial sector and to further join it with both the domestic cheaper and the global financial market.
Thanks to a well advanced network of commercial domestic banks, offshore banks, non financial institutions and financial institutions, the financial system is one of the most vibrant in the Southern African region.

The Stock replacement of Mauritius (Sem) started its operations in 1989, with only five listed companies. In 2004, more than 44 associates were listed, and the range of activities has expanded, state-of-art technology is being used in the dealings.

In September 2001, the settlement cycle on the Sem was reduced from five to three days, to be in line with major international stock markets. The short settlement cycle has since helped to heighten liquidity and turnover on the shop as investors are able to sell their securities three business days after buying the, thus reducing risks and bringing good integration to global markets through accurate adherence to international standards.

3. Financial Markets in Mozambique

In 1978, all hidden banks operating in Mozambique were nationalized and merged into two state owned institutions, the Banco de Moçambique (Central Bank) and the Banco beloved de Desenvolvimento (Bpd). After the adoption of a new economic orientation in 1992, the Government implemented an economic reform programme together with the financial sector reform. Foreign banks were allowed to invest in Mozambique and the regulatory and commercial activities of the Central Bank Bdm were separated. Banco de Moçambique assumed the Central Bank function while Banco Comercial de Moçambique Bcm led the commercial banking sector.

The financial sector liberalisation procedure allowed new institutions. Apart from the already operating standard Bank, new banks licensed since 1992 or resulting from liquidation of existing institutions include the Banco Internacional de Moçambique, the Banco Comercial de investimentos, Banco de Fomento, Banco Austral, African Banking Corporation Abc, Bmi, Ucb, Icb, Novo Banco, etc. There are also speculation banks, leasing associates and credit cooperatives. This increased number of financial and non financial institutions resulted in the development of an active financial sector.

In October 1999, the stock shop of Mozambique (Bolsa de Valores de Moçambique Bvm) was inaugurated. Its regulatory group is the Central Bank Bdm and its operations are still limited. With the technical withhold of the Johannesburg Securities replacement Jse and the Lisbon Stock Exchange, plans are underway to organize an international financial services centre, together with a state-of-the art information technology system.

4. Financial Markets in Namibia

The Namibian Stock replacement Nsx is governed by the Stock replacement control Act of 1985. Amendments to the Act have been recently adopted in order to bring the national laws in line with international standards.

The Nsx was established in October 1992 and is the most technically advanced bourses in Africa, and also one of few self regulated financial markets in Southern Africa. The Namibian Stock replacement Association, a self regulatory, non behalf organization, is the custodian of the license to control the Nsx. It approves listing applications, licenses stockbrokers and operates the trading, clearing and settlement of the exchange. Since 1998, the Nsx has used the most technically advanced supervision tools ready on the continent, which enable good surveillance and detailed client protection.

5. Financial Markets in South Africa

The South African Financial Markets system is the most sophisticated and involved with the vibrant Johannesburg Securities replacement (Jse), the Bond replacement of South Africa (Besa) and the and the South Africa Futures replacement (Safex).

The Johannesburg Stock replacement Jse was established in November 1887. Currently, it is governed by the Stock Exchanges control Act of 1985 [amended in 1998 and 2001]. The Jse is the largest stock replacement in Africa and has a shop capitalization of more than 10 times that of all the other African markets combined. The Jse provides technical withhold and capacity building, skills and information to the following exchanges in the region: Namibia, Mozambique, Mauritius, Tanzania and others in Africa (Nigeria, Ghana, Egypt, Uganda and Kenya). Since 1999, the Jse harmonized its listing requirements with the stock markets of Botswana, Malawi, Namibia, Zambia and Zimbabwe.

The Besa was licensed in may 1996 under the Financial Markets control Act of 1989 [amended in 1998], and the Safex was established in 2001 as a Financial Derivatives shop and agricultural Products group of the Jse.

In June 1996, the Jse introduced the fully self-operating electronic trading system known as Johannesburg Equities Trading (Jet) and since May 2002, is using the Stock replacement Trading system (Sets).

6. Financial Markets in Swaziland

The Swaziland Stock shop (Ssx) was established in 1990 to promote local speculation opportunities. In 2002, five associates were listed. The Ssx has advanced new listing requirements in line with new international regulatory standards. A new safety Bill has been stylish in 2002, and should be in force by now. It will allow the licensing and regulation of all securities markets, operations and participants.

7. Financial Markets in Tanzania

The Dar-Es-Salaam Stock replacement (Dse) was incorporated in September 1996 under the Capital Markets and Securities Act of 1994. Its operations any way did not start until April 1998 with the listing of the first company. In October 2002, foreign associates were allowed to control on the Dse. Its regulatory group is the Capital markets and securities Authority (Cmsa). Plans are underway to facilitate the securing of increased financial resources from global markets.

8. Financial Markets in Zambia

The Lusaka Stock replacement (LuSe) was created in February 1994 under the 1993 securities Act. It is controlled by the Securities and Exchanges Commission (Sec). Its operations were boosted by the victorious issue of the Zambian Breweries, which raised up to Us $ 8.5 million to refinance a loan secured for the acquisition of the Northern Breweries in 1998. Most of the listings were the succeed of the country's privatization program.

A Commodity Exchange, the Agricultural credit replacement was also established in 1994, as an initiative of the Zambia National Farmers' Union, after the liberalization of the prices of agricultural commodities. The replacement provides a centralized trading facility for buyers and sellers of commodities and inputs. It provides also updated prices and some shop information for both local and international markets.

9. Financial Markets in Zimbabwe

The Zimbabwe Stock replacement Zse, is one of the oldest and most vibrant stock exchanges in Africa. It was established in 1890, but had sporadic trading until 1946. In 2002, it had 76 listed companies. The Zse operates under the Stock exchanges act, which is being amended to take into observation new technological requirements and to align its contents with international standards (improve the safety of share trading, transparency, central depository system, etc.).

The Zse is open to foreign investors, who can buy up to 40 percent of the equity of listed company, a singular investor can buy a maximum of 10 percent of the shares on offer. Foreign investors can invest on the local money shop up to a maximum of 25 percent per traditional issue of government bonds and stocks, and a singular investor can secure a maximum of 5 percent. Foreign investors are any way not allowed to buy from the secondary market. These investments qualify for 100 percent dividend and interest remittance.

Financial Markets Regulation in Southern Africa: which way ahead ?

The major issue in financial shop regulation lies in the fact that the legal and institutional framework of most countries is still inadequate to withhold modern financial processes. Examples of such inadequacy include outdated legal systems leading to poor enforcement of laws. The following challenges are very animated for further explore opportunities.

A cohesive and allinclusive legal framework is required under the proactive approach in order to use the contracts that clearly define the possession and obligations of all intervening operators. Such a framework should encourage discipline and timely enforcement of contracts, fostering accountability and prudent behavior on both sides of the financial transactions. prudent and sufficient financial intermediation cannot control without reliable information on borrowers, and some legislation on accounting and auditing standards, which also ensures honesty on the part of financial institutions, Similarly, for a country's financial markets to organize and control efficiently, legislation should fully join rules of trading, intermediation, information disclosure, take-overs and mergers.

Because of the role of financial institutions and markets in the development of a sound financial system, further legislation is usually needed for their operations to complement business law. These are prudential regulations, especially for banks and similar financial institutions that hold an leading part of the money supply, create money and intermediate between savings and investment. business law is an example of the kind of legislation needed. It not only governs the operations of business enterprises but also protects the interests of business stakeholders. Thus, public disclosure of information on the company's activities should be made mandatory on business supervision in the standard section of the associates Act. Such information, especially that relating to finance and accounting, should also be statutorily required to be subsequently verified and attested to by auditors.

Prudential regulations cover such issues as criteria for entry (listings), capital adequacy standard, asset diversification, limits on loans to individuals, permissible range of activities, asset classification and provisioning, folder attention and enforcement powers, special accounting, auditing and disclosure standards adapted to the needs of the banks to ensure timely availability of accurate financial information and transparency. The objective is to heighten the safety and soundness of the financial system.

There is real need for an leading legislation relating to financial markets which wish not only convenient policies but also legal and institutional infrastructure to withhold their operations, forestall abuses and safe investors. Investors' belief is primary to the development of the markets. Brokers, underwriters, and other intermediaries who control in these markets therefore have to succeed laid down expert codes of guide embodied in the legislation applicable to such institutions as finance and guarnatee companies, mutual funds and pension funds.

An other leading issue is the independence of regulatory authority, their number and the selection to organize self-regulatory agency. All these aspects should take into catalogue the objectives and system defined by the government, and also the exact development needs in the financial system.

A major challenge concerning the Financial Markets in the Southern African region is the harmonization of the national financial regulation and the compliancy with international requirements, together with the Sadc criteria and the international standards set by international organizations such as the International assosication of securities Commissions (Iosco), the International Accounting Standards Committee (Iasc), the Basel Committee on Banking supervision (Bcbs) and the obligations resulting from the Wto deal on financial Services (Gats). These key international instruments are beginning to be enforced and individual countries have to keep updating their financial markets regulations and upgrade the technical skills of their staff in payment of regulatory and supervisory operations.

Bibliography

-Faure, A.P. An summary of the South African Financial System, in the Securities Markets, Johanesbourg, Securities Research, No.3, 1987
-Dougall, H.E. [1970], Capital Markets and Institutions, Second Edition, New Jersey, Prentice Hall ;
-Furness, E.L. [1972] An introduction to Financial Economics, Heinenmann, London.
-Smith, P.F. [1971], Economics of Financial Institutions and Markets, Illinois, Irwin;
-Peltier, F. [1997] Marchés Financiers et Droit Commun, Banque Editeur, Paris ;
-Kolb W. R, and Rodriguez J .R. [1996], Financial Institutions and Markets, 2nd Edition, Blackwell Publishers ;
-Mattout, J. P. [1996] Droit Bancaire International, Banque Editeur, 2e Edition, Paris;
-Schmidt R H and Wrinkler A. [1999], construction Financial Institutions in Developing countries, Working Paper Series, Finance and development no. 45, Jw Goethe University, Frankfurt am Main ;
-Falkena H. Bamber R. Llewellyn D. And Store T. [2001], Financial Regulation in South Africa, Sa Financial Sector Forum, 2nd Edition, Rivonia ;
-Mishkin, F. S. [2004] , The Economics of Money, Banking and financial Markets, Seventh Edition, Addison-Wesley, Boston, Ma
-Fanelli`J.M. And Medhora R. [1998] , Financial Reform in Developing Countries, Idrc Mac Millan Press Ltd, Hampshire ;
-Banco de Mozambique [2005] , every year Report, May 2005.
-Sadc [2004], The official Sadc Trade, industry and speculation Review, 8th Edition, Sadc Secretariat, Gaborone ;

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The Impact of exchange Rates

Do you know about - The Impact of exchange Rates

In the current global financial environment, many businesses and countries are feeling the pressure brought down from the replacement rates of confident currencies. The economic stepping back and even depression in some countries has led to fluctuating replacement rates, affecting some companies negatively and others positively. For example, according to Ed Blocher (2010), the Euro has seen its value drop from .59 in August 2008 to .26 in March 2009. These drastic ups and downs that the world is experiencing in the financial market are affecting global trading and causing multinational corporations to address issues such as loss in profits and higher costs.

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How is The Impact of exchange Rates

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The impact of the stepping back experienced by many countries in the past few years has significantly affected the business done by corporations that export goods and services to businesses in other countries. The falling value of the Euro from 2008 to 2009 created any advantages and disadvantages. For U.S. companies selling products to firms in Europe, this event represented a loss in sales because U.S. Products now were more costly in European countries. This fluctuation in sales proved to be devastating for some U.S. Exporters, whose international sales represented a large quantum of its business. To combat this problem, cost accountants need to accurately settle the costs of confident goods so these goods can be competitively priced. From the European point of view, when firms based in Europe exported goods to the U.S., higher sales were realized due to the fact that these U.S. Buyers were buying at a lower price. For this reason, a multinational corporation in Europe could have, in theory, been doing more business surface of its borders during a stepping back than it would have normally. This reality has helped some corporations stay afloat during their country's recession. With the value of the Euro now rising to .35 (Bloomberg.com), these situations are being pushed in the other direction. By creating a strategy centered on reducing costs and adjusting to the market, a firm that exports its product to other countries can remain profitable in an unstable financial market.

As firms in the U.S. Begin to embark on a strategy of globalization, they must take into account the current financial status of the counties they wish to do business in. These global efforts must be orchestrated so that the firm enters the market when the replacement rates favor its business. If that firm prices their product accurately, the move to a more global market could prove to be very beneficial. This strategy has been successfully employed by many corporations such as McDonalds, general Electric, and Apple. On the other hand, the global market presents a number of obstacles that a firm must overcome if it is to succeed. Not only can the state of the market threaten a firm's expansion, but so can the culture and the ethical standards of the people. In addition, some countries are plagued with corruption, which should deter corporations from entering that market. For these reasons and more, it is considerable that a corporation does a considerable number of research before manufacture a decision to show the way business in a foreign country.

The key to successful expansion lies in the hands of the managers and researchers. The facts and research obtained by these habitancy can guide the business to make the correct decisions. For example, to be competitive in a foreign market, a firm must accurately price their product. This is the job of a cost accountant, who uses Abc costing or an additional one formula to settle what costs will be incurred during production and where a confident product should be priced. Managers can reduce these costs by determining the considerable number of employees and exploring ways to increase productivity. This is exceedingly difficult in a foreign market, which makes it all the more important.

Overall, the state of the economies of targeted countries can sway the sales of a multinational corporation. When the financial condition in these countries poses a threat to the well-being of a corporation, that corporation must reduce costs and price their products accurately in order to compete with domestic firms. This is difficult, however, and "is more time-consuming, costly, and complex as compared to budgeting for domestic firms" (Blocher, 391). To ensue in the global market, though, these costs must be incurred. For a successful global firm, these costs are significantly outweighed by the gain in profits that the firm realizes.

Works Cited

Blocher, Ed, David E. Stout, Gary Cokins (2010). Cost administration a Strategic Emphasis. 5th edition.

Bloomberg.com (2010). World Currencies. Retrieved March 20, 2010 from http://www.bloomberg.com/markets/currencies/eurafr_currencies.html

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20 Biggest Grant production Foundations For Christian Organizations

Do you know about - 20 Biggest Grant production Foundations For Christian Organizations

The question of what foundations to turn to for funding is one Christian ministries and churches ponder over all the time. There are of procedure varied factors to consider. The degree of compatibility in the middle of your mission and the aims of a foundation remains the most foremost consideration. But at a time when foundation funding is declining, it helps to know which foundations are giving the most - along with knowing a itsybitsy about their extensive purpose, the kinds of Christian organizations they fund, and the kinds of programs that interest them.

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The following are the top 20 Christian grant funding sources in terms of funding generosity.

1. Of all the Christian grant foundations accepting applications at this time the Alharetta, Georgia-based National Christian Foundation (Ncf) provides the most funds. Seeking to further the gospel of Jesus Christ, its funding territory is national. This is largely a donor advised fund. A donor-advised fund is a charitable giving vehicle administered by a third party and created for the purpose of managing charitable donations on behalf of an organization, family, or individual. A donor-advised fund offers the chance to create an easy-to-establish, low cost, flexible vehicle for charitable giving as an alternative to direct giving or creating a hidden foundation.

Ncf helps individuals and families plan their giving through such programs as the legacy Fund (after death giving). It advises them on asset giving (cash, stocks, real estate, company interests, restricted securities) and shows them how to equilibrium wage needs and estate planning goals (through charitable trusts and charitable gift annuities.)

The particular Charity Fund allows supporters to donate all kinds of assets; the expert Advisors group - comprised of financial planners, Cpa's, attorneys, and more - advises supporters in the art of tax-efficient giving.

2. The Christian Aid Ministries is a foundation based in Berlin, Ohio. Having an international gift giving scope, the Ministries seeks to "provide spiritual and material aid such as food, clothing, medicine, and Christian literature to needy habitancy in varied countries." It also provides accident funds and in-kind gifts. The Ministries supports Amish, Mennonite, and other conservative Anabaptists as they minister to the physical and religious needs of habitancy worldwide. It aids victims of war, famine, and natural disasters.

3. The Nehemiah Corporation is a foundation out of Sacramento, California. Its mission is to facilitate "home proprietary and asset improvement opportunities for diverse populations in underserved neighborhoods over the U.S., while maintaining a commitment to successful, responsible homeownership." It gives mostly to California foundations and individuals and to Christian organizations that reserve its mission.

4. The Trinity Christian center of Santa Ana is a foundation from Tustin, California. It supports Christian services and organizations that seek to spread the gospel around the world. It provides care, comfort, and accident aid to the sick, the disabled, the homeless. It is also known for producing televised religious broadcasts for ministries that spread the gospel worldwide.

5. The Barnabas Foundation is a foundation from Tinley Park, Illinois that supports its nearly 200 member Christian ministries through planned giving and estate planning. Its participating churches consist of legacy Churches, Good Steward Ministry Churches, Member Asset administration Churches, Member Churches. It also offers stewardship study as well as improvement programs that facilitate stewardship "based on God's proprietary of all gifts."

6. The J. Bulow Campbell Foundation is an independent foundation from Atlanta, Georgia. The foundation seeks to uplift "intellectual and spiritual life, preferably projects of a permanent nature or for capital funds." It does not fund operating expenses or recurrent programs except in cases where funding might allow a considerable new agenda to result without lasting reserve from the foundation. It gives anonymously to church-related agencies of the Presbyterian Church, but not to congregations. It mostly supports organizations in Georgia, though it does give to organizations in Alabama, Florida, North Carolina, South Carolina, and Tennessee.

7. The Rupert H. Johnson Foundation is an independent foundation in San Mateo, California that generally funds only educational programs in California and Virginia. Only Christian organizations seeking grants for study programs in these two geographic regions would be eligible for funding.

8. The Rees-Jones Foundation, a family foundation based in Dallas, Texas, funds "programs that help enhance the quality of life for the underserved of north Texas." It provides employee/matching gifts and funds capital campaigns, general operations, administration and agenda development, and scholarship funds. It supports churches that seek to ease hunger, and it provides medical care for the mentally and physically disabled, educational opportunities for youth, and affordable housing, shelter, and spiritual improvement for those left behind.

9. The Poplar Foundation is an independent foundation that mostly gives within its base of Memphis and the metropolitan area. It funds mostly youth services and education. Ministries that focus on these two areas are eligible for funding.

10. The Wege Foundation, an independent foundation in Grand Rapids, Michigan, gives mostly within Kent County and above all in Grand Rapids. Christian agencies that supply health, human services, and study are likelier to receive funding from the foundation than those that do not. It funds each year campaigns, building/renovation, capital campaigns, curriculum development, endowments, equipment, matching/challenge campaigns, and agenda development.

11. The Hope Christian society Foundation is a Christian communal charity society foundation in Memphis, Tennessee that "helps Christians share their wealth with others in the most thoughtful and efficient ways." It serves ministries by administering and managing agency funds, offering a cash administration pool, investing endowments, and making grants through the Hope of Memphis Fund. It partners with churches to serve the community, administer church and donor-advised funds for church members, and offer a cash administration pool.

12. The Maclellan Foundation is a Chattanooga, Tennessee-based independent foundation. It gives internationally and nationally, stressing Chattanooga. It is the largest of a group of four family foundations that are committed to "fulfilling the Great Commission of Jesus Christ through strategic giving." The foundation provides financial and leadership training to local organizations that enhance the spiritual wellbeing of the Commission by working "to enlarge the Kingdom of God to every tribe, nation, person, and tongue." Toward that end, the foundation offers consulting services, equipment, general/operating support, agenda improvement and evaluation, and seed money to Christian organizations.

13. The New York City-based American Bible society is a foundation that translates, publishes, and distributes the Bible in every language it can. The society wants every man "to feel the Bible's life changing message." It collaborates with other Christian organizations including Faith Comes by Hearing, the originator of an audio version of the Bible. Other partners are Feed the Children, the troops Ministry, Mission Year, Samaritan Purse/Operation Christmas Child, United Bible Societies, and the National relationship of State and Regional Bible Societies.

14. The National Endowment relationship is a communal charity in Princeton, Indiana that helps small to mid-sized charities in the United States, mostly religious ministries, endow funds. The objective is to free ministries from the constant demands of fundraising so they can devote more time to their missions. The relationship helps them solicit long-term planned gifts, something the larger charities already have the means to do. It helps them tap into larger funding sources through tax-exempt planning. It also helps them promote their charity by offering website templates, educational classes, marketing material templates, marketing/fundraising consultation, and donor/consumer seminars.

15. The Harold Simmons Foundation of Dallas, Texas is a company-sponsored foundation. It provides grants that reserve zoos, arts and culture, education, energy, health, substance abuse treatment, Hiv/Aids treatment, disaster relief, athletics, human services, human rights, society development, programs that address women's issues, and Christian organizations. It gives mostly in the Dallas/Fort Worth area.

16. The Norcliffe Foundation is an independent foundation in Seattle, Washington. It gives to organizations that advantage the arts and cultural organizations, hospitals, early childhood development, higher and secondary education, and historic preservation. It also supports medical study and health associations, hospices, the environment and conservation, and communal services that consist of programs for the disabled, the homeless, child welfare, youth agencies, and the aged. The foundation's Christian grantees are the Roman Catholic Church and religious associations. It gives mostly in the Puget Sound area of Washington, especially in Seattle.

17. The Stephen and Mary Birch Foundation of Wilmington, Delaware is an independent foundation that gives throughout the United States. It supports nonprofit institutions, communities, and organizations that reserve research, medical, health, educational, sports, communal services, and artistic programs in communities over the nation. Christian organizations that work in any of these areas are eligible for funding.

18. The Harry J. Lloyd Charitable Trust in Overland Park, Kansas "supports God's work as described in the Great Commission by spreading evangelism throughout the world." It primarily supports organizations and programs that further this mission. The Trust provides grants that help start new ministries or new programs or enlarge current programs. It funds organizations that are creative, accountable, stable, and effective. It also funds Christian programs that supply housing, food, medical assistance, and study for the poor. It may also reserve medical study in distinct areas.

19. The Lynn and bring up Freiss family Foundation is an independent foundation out of Jackson, Wyoming. It mostly funds faith-based entrepreneurial programs, especially one-one-one mentoring. The foundation provides general/operating support, matching/challenge support, and program-related investment/loans.

20. Ibs-Stl is a foundation from Colorado Springs, Colorado. It came about in 2007 from a merger of the National Bible society and Send the Light. It gives nationally and internationally to Christian organizations that further its mission of translating, interpreting, and publishing the Bible. Its goal is to give more and more habitancy throughout the world the chance to feel the Bible.

Some foundations exist solely to advantage Christian ministries and churches. Others lack a direct relationship to Christianity but work to solve problems that are at the core of Christian concern. Some have a itsybitsy geographic focus; others have a national focus; still others have an international focus. But wherever your assosication operates, and anyone programs it has, many (if not most) of these foundations are viable funding possibilities for your organization. And there are countless other possibilities. The Christian Funding Directory (Cfd), Foundation Directory Online, and Foundation quest are the most considerable sources of information about foundations.

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The History of Gm - normal Motors

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The history of Gm, the world's largest automaker, saw its beginning in 1908. The firm was founded by William Durant in the year 1902. The shrewd businessman that he was, Durant realized that the future lay with cars and not carriages. Initially, the firm was founded as a holding firm for Buick. The latter part of the year saw the firm acquiring Oldsmobile, followed by the possession of Cadillac, Oakland and Elmore in the very next year.

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Many of the motor associates were in dire straits while the difficult years of the early 1900's. The stock market panic in 1907 put a lot of small associates into financial distress. Many of these associates were running on prestige from various bankers. This was a golden chance for Durant, who proceeded to buy smaller car builders, and associates that built car parts as well as car accessories. In 1908, these various associates were folded into a singular unit, thus creating the new Gm entity. This marked the intelligent beginning of the true history of Gm.

William Durant was a flamboyant businessman whose intelligent mix of genius and over-reaching took Gm both to its heights as well as plunged it into financial distress. In 1910, bankers were forced to step in to preclude financial collapse of Gm, and Durant was removed from the firm he had founded. But by 1911, the firm had made sufficient advances into the international market that the normal Motors Export firm was established to handle sales surface the U.S and Canada.

Durant managed to use someone else firm he formed, Chevrolet, to come back to power in Gm while 1915, and the history of Gm from 1915-1920 is full of successes. while this time, the Cadillac became wildly successful. In 1918, Gm bought the operating assets of Chevrolet Motors. But, soon America was hit by a power recession and in 1920, Durant again found himself out of the company.

During the financial boom in the 1920's, the history of Gm virtually glowed with success. Auto sales reached the 4.5 million mark, and the auto commerce now had three giants - Gm, Ford and Chrysler. Gm now had a brilliant engineer turned industrialist at its helm. Alfred Sloan who was later acclaimed for his marketing genius had moderately worked his way up among the ranks of Gm. His marketing genius breathed a fresh lease of life into Gm that was beginning to get overshadowed by Ford.

Ford's doctrine of giving the communal the best value for their money offered diminutive variety. But Sloan and Gm were concerned in providing the communal with more than a black box. stylish colors, features and comfort became the new motto of the company. Gm also made a path-breaking offer - the communal could now buy a car on credit. The five brands of Gm - Pontiac, Cadillac, Buick, Oldsmobile and Chevrolet began changing every year with the focus being directed in general at looks and style. This strategy paid rich dividends. Ford was pushed to the backseat again by Gm.

The great Wall street crash in 1929 put an abrupt stop to all expansion plans at Gm for the time being. Stocks of Gm fell rather badly. But, by early 1930's Gm bounced back and bought the Yellow Coach bus company. In 1930, Gm bought Electro-Motive Corporation, the internal combustion engine railcar builder. The next 20 years saw Gm powered diesel locomotives running on American railroads. December 31, 1955 is someone else landmark in the history of Gm. Gm became the first firm to make more than a billion dollars in a year.

There was a time in the History of Gm when it was the largest corporation in the Us. The history of Gm also shows that there was a time when Gm was the singular largest employer in the world. But, in new times Gm has been beset with financial woes. November 2005 saw Gm booking a billion loss and about 30,000 employees were laid off. 12 plants were fulfilled, down.

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Fun Ways to Raise Money For Charity

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There are many ways to raise money for charities that can not only help you reach your target, but also be a lot of fun as well! either you need the funds to reserve an orphanage in Africa, money to aid a recognized charity or even if its for a local community project, raising funds does not need to be hard.

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In this narrative you will find a list of activities to manufacture for sponsorship that will spread awareness and can be a lot of fun. The list below will hopefully get your creative side thinking.

Activities and fun events:

Bag packing - Get in touch with your local supermarket (via an email, telephone call or best yet, in person). Elaborate your cause and see if it is potential to dispose a date and time where you and 6-20 other citizen can pack shoppers bags (at the shoppers request) and ask for a donation from the shoppers. I did this one afternoon with 11 citizen and made over 1600. Its simple and raises awareness with your community. Face Painting - Got an artistic side? Any big sporting or local house events advent up? If so face painting can be a well fun way to raise some extra funds. You can find face painting kits at approximately any party shop, and if you have never done it before you can naturally convention on each other. Sponsored Athletic Challenge - Can you see yourself running a marathon? If not do not worry, it is not vital to do something this greatest in order to raise money. naturally choose a challenge that is a puny covering of your comfort zone. The whole point of this is that its a challenge, so if your a top athlete try something hard but if you are no Iron Man then do something accepted to your fitness level. If worried, consult a physician before you attempt any too strenuous! Barbeque - Host a barbeque for your family, friends and neighbors. This can be a well fun day and need not be expensive. Ask everybody for a donation upon advent and supply them with some pop and food. You could even ask the local butcher or supermarket to donate provisions for the event or maybe even just a allowance on your purchase. On a sunny day this can be a very fun day that helps your fund grow. There are well hundreds of personal challenges you can do to get sponsorship, either its skydiving for the first time, shaving your head, waxing your chest (for men!), or letting citizen throw a cream pie in your face! Remember to not only ask friends and house for sponsorship, but also local businesses. Spread the word as far as you can.

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Coilover Suspensions - Pros and Cons

Do you know about - Coilover Suspensions - Pros and Cons

Why are they so beloved and do they beyond doubt heighten the handling of a car. In theory, when you lower your car, you also lower it town of gravity therefore reducing body roll, thus enhancing its handling. However, handling characteristic of the car are not only determined by the town of gravity. You also have to think the dampening system, spring rate, condition of the road, side-walls of your tires, unsprung weight, tire grip, geometry of the suspension and so on.

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Right now we are only curious in the ever so beloved coilover set up. There are a lot of aftermarket manufacturers arrival up with different brands and types of coilovers. Coilovers are beloved with racers due to their adjustability. You can adjust the right height and in some cases you can also adjust the dampening thus yield superb handling.

There are two types of coilovers. They are true coilovers and sleeve type coilovers. True coilovers are a set up where the shocks have a threaded-body, when as the other one use a 'sleeve type' thread. One of the older, well-known builder for coilovers is H&R. Now, there are different clubs such as Tein, Intrax, etc also making coilovers. However, Ground control was the pioneer of sleeve designed coilovers. We have no doubt about the benefits of true coilovers. But what about the sleeve type'? Does it work? In theory, it works the same as true coilovers. In real life, it doesn't even come close to the non coilovers shocks and springs setups.

Ground Control, the pioneer in sleeve originate technology' utilizes aluminum body sleeve with Eibach race springs. The base of the spring is supported with a particular rotational plate with an Allen screw-locking device. What's wrong with this originate you ask? Like all 'sleeve type' coilovers, there is good occasion for the sleeve to rotate and thus make the spring slip. This can happen to the enthusiast drivers who like to push the car to the limit. The other thing that worries me is the Allen screw-locking device. A screw that small is given the duties to hold the tension and twist that are generated by the car when an enthusiast drives it.

Weapon-R Tuner 2 coilover conversion. This one is basically the same with Ground control except it added the extra locking plate (with the same allen screw locking it in place) supposedly for added security.

Skunkworks and Arospeed. These two clubs use true coilover type locking devices. Double plates interlocking each other. This is by far the best set up yet. But how bout the sleeve? Some thing must be done to gather the sleeve.

These disadvantages not only can generate clunking noise, but it can also be very dangerous. Fantasize this: you are taking corners very fast, relying on that big buck suspension to do it job, when the sleeve/locking plates shifted thus creating a sudden jolt in your suspension (like when your driving through rough road surface) and therefore lifted your tire of the ground thus losing traction..........

So why is it so popular? Cause it cheap (9-9Us) compare to true coilovers (,200Us and up). It looks cool, it's adjustable, and again it makes your car look cool....

Drivers Beware

The allowable way to adjust a threaded coil-over suspension involves using a set of scales. The whole idea of this type of suspension adjustability is to equal out the loads on tires (or bias them for circle track) for cornering ability. The fact that you can lower the car with them is just an added benefit but it is Not their primary function. You should be aware that you can hurt the operation of your car if you don't adjust them at least reasonably close. At best, the car may not projection as well as it used to.

At worst, you may convert the handling to the point of being dangerous. This sounds like an exageration but with a threaded setup you could load the front right and the left rear tires and generate a car that turns left beyond doubt well, but won't turn right worth a damn. Even, possibly, spinning out. All this with the car sitting perfectly level. You have the suspension, now take the time to set it up right. Find a tyre shop with some projection scales and work with them to adjust tire loading and ride height. The object is to get the cross weights (diagonal weights) even. It's not as prominent to get the other weights even. It's the cross weights that will sneak up on you.

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Leo Horoscope in 2012

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Leo vocation and Work Horoscope in 2012

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How is Leo Horoscope in 2012

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Whether you are self-employed or working for a big corporation Lions are destined to excel this year. You can expect financial bonuses or a promotion as your skills as a leader or extra talent are going to be widely recognized.

If you have ever dreamed of beginning your own business then this is the year to do it. It is fated to go well. Leos looking for a new job will be lucky as well, especially if they are looking while the last six months of the year.

The last six months of the year also favor pursuing higher instruction or getting certification to enhance extra skills.

Leo Love, house and social life Horoscope in 2012

Most Leos will find relationships to be a bit enthralling while 2012. There are many planets in fire signs that cause bickering and fighting. Married coupled could find themselves arguing more or ignoring each other because leading issues have not been discussed... In order to save obvious relationships, it is leading not to let resentments fester.

If you are unmarried, you might find yourself on rocky ground because of issues of fidelity or commitment. These problems should work themselves out by December.

Uranus in Aries makes you a bit rational and hot-headed. To avoid conflicts in all of your relationships you need to learn to avoid bullying or losing your temper. It also helps to take yourself less seriously and coming all problems with a sense of humility.

Leo Finance and Money Horoscope in 2012

Your financial photograph for 2012 is quite fortunate. You will positively be able to save money and also spend it. By July you will find yourself exploiting remarkable new business opportunities. The best time to buy real estate or spend in a brand new speculation is around your birthday when the Sun is in Leo.

Jupiter in Gemini indicates that you will find your best money-making opportunities on the cocktail circuit. Accept invitations to social climb and be sure to attend conventions and job fairs. Lions looking for a new job are also most likely to hear about it straight through social media or gossip so stay "wired in."

Leo health Horoscope in 2012

This is not the best year ever astrologically for your health and the challenge will be to balance out all of the enthralling business opportunities you have with a need to rest. Many Lions will be experiencing minor health problems with the main areas of concern being the back, the circulatory law and the stomach.

It is crucial for you to institution inhibitive treatment this year if you want to stay well. Take your vitamins, eat right and get fullness of exercise to preclude minor problems from developing into big ones.

Your health is not as good as it can be in 2012 and to some extent this might limit your ability to be fully focused on your work. The idea is to see a chiropractor or institution inhibitive wellness measures such as taking vitamins or herbs to preclude any minor problem into escalating into big ones.

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Homes for Sale - 335 Brees Blvd, San Antonio, TX

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Heights Finance . Property Site: tour.circlepix.com Recently remodeled 3/2 cottage home in Terrell Heights. In great location and AHISD. Near schools, Quarry Market, SA Zoo, Witte, IWU, SAC, AH Pool and walking distance to nearby park. Refinished hardwood floors and tile throughout. Large back yard, back deck and covered patio. **Sellers willing to Owner Finance** Bedrooms: 3 Bathrooms: 2 Square Feet: 1521 Price: 5000 For more information about this property, please contact Bridgette Jakob at 210 232 5084 or bridgettejakob@bradfieldproperties.com. See More listings at: MLS ID: 941132 www.bradfieldproperties.com

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Credit Suisse Finance Philanthropy Event 10/27

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Heights Finance . 82 Volunteers at 4 hours each = 328 hours Sugar Hill/Hamilton Heights Community 4 service sites

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7 uncomplicated Steps to Creating Your Mission and vision Statement

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With the end of the year approaching, why not begin now to think ahead?  Plan what you want to accomplish in your life in 2010 now.

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A personal vision and mission statement is the deal you make with yourself that this is who you want to be, how you want to act, what you will and will not do, and how you want to appear in the world. Think of it as a living, breathing document that will most likely turn over the years.

Step 1

Take out a pen and paper and make a list of the things that you do well.  What have others praised you about?  Things that you do well might comprise skills, talents, characteristics, qualities and the unique way you approach life.  List the things about you that make you feel happy and proud of yourself.  Some examples are:  "I am a supportive friend", "I have a fabulous sense of humor", and "I am well organized".

Please add to the list as added things come to your mind over the next few days.

Step 2

Now on to identifying your core values.

You do have values that govern your life, whether you recognize this or not.  These values have affect over how you make decisions. Your core values furnish an indication of what is foremost to you, how you view the world, and what you believe in.  Your values (or principles) operate your behavior.

a)  To get you started on identifying your core values, read the following list and circle 10 values that you would like to see more of during the next six months:

Achievement,   Celebration,   Autonomy,   Adventure,   Compassion,   Beauty,   Aspiration,   Faith,   Courage,   Authenticity,   Generosity,   Diversity,   Challenge,   Harmony,   Education,   Creativity,   Honor,   Fitness,   Determination,   Humor,   Friendship,   Efficiency,   Inner Peace,   Health,   Empowerment,   Intuition,   Imagination,   Gentleness,   Merit,   Joy,   Honesty,   Openness,   Leisure,   Integrity,   Persistence,   Life,   Knowledge,   Prestige,   Money,   Leadership,   Punctuality,   Performance,   Legacy,   Recognition,   Play,   Love,   Self-worth,   Privacy, Peace,   Serenity,   Quality,   Pride,   Simplicity,   Security,   Prosperity,   Trust,   Stability,   Respect,   Wisdom,   Survival

b)  Now read through the values that you circled and place a check mark beside the three values you most want more of within the next six months.

c)  Out of these three values, which do you desire the most?  You want more of this value in your life than any others.  It is called your core value.

c)  Write your core value in huge letters below.
_____________________________

Step 3

Now on to selecting verbs that most excite and inspire you.  Verbs are actions words.  

a)  Please read the list below (or add your own) and circle 15 actions you want to do more of during the next six months:

accomplish,  acquire,   adopt,   advance,   affect,   believe,   brighten,   build,   cause,   choose,   claim,  collect,   combine,   communicate,    complete,   compose,   conceive,   connect,   counsel,   create,   decide,   defend,   delight,   deliver,   demonstrate,   direct,   discover.    discuss,   distribute,   draft,   educate,   embrace,     encourage,   endow,   engage,   engineer,   enhance,   enlighten,   enlist,   enliven,  entertain,   envision,   evaluate,   excite,   explore,   express,   facilitate,   finance,   foster,   gather,   generate,   give,   grant,   heal,   hold,   identify,   ignite,   illuminate,   implement,   improve,   improvise,   inspire,   integrate,   involve,   launch,   lead,   mature,   measure,   model,   motivate,   negotiate,   nurture,   organize,   participate,  perform,  persuade, play, possess, practice,   prepare,   promote,   provide,   realize,   receive,   reclaim,   reduce,   refine,   reflect,   reform,   regard,   relate,   restore,   safeguard,   save,   share,   speak,   stand,   support,   sustain,   take,   team,   touch,   trade,   translate,   travel,   understand,   uphold,   utilize,   validate,   value,   verbalize,   volunteer,   worship,   write,   yield       

b)  Now read all of the words you circled and place a check mark beside seven verbs that cause a reaction--a sound in your head.  A reaction for you might be your stomach growling or a warm feeling in your chest.  Those are the words that you want to put check marks beside.

c)  Look at the words with check marks and circle the three actions you would most like to do more of in the next six months.

d)  Write your three verbs below:
____________________,  ____________________,   ____________________

Step 4

You have prime your cores value and your verbs (actions).  We need to connect them and see if they pass the compatibility test.

a).  change your verbs from Step 3 to the lines below.

b).  change your core value from Step 2 onto the line below.

Combine each of your verbs (actions) with the core value that you prime to see if they harmonize when they appear together in a sentence or phrase.

If one or more verbs do not make sense after being paired with the core value that you selected, it is foremost to decide which of the two words ring more "true" to who you are. Keep that word, then set aside the other, and search for a stronger word to replace it. One of the alternate words you prime may be a better fit. It is foremost to pinpoint what it is about the word that you like.  Does is recount what you easily want to do?

My Mission Is To:

______________________________,     (verb from Step 3)

______________________________,     (verb from Step 3)

And
______________________________,     (verb from Step 3)

______________________________.     (core value from Step 2)

Step 5

Now the task is to recognize the causes (or tribes) that inspire you.  Being clear on whom you easily want to serve, inspire, learn from, and impact in a distinct way creates a strong mission statement.  What is it that you easily believe in?  Are there exact groups of people, organizations or causes that you are meticulous about serving or helping?   What are you passionate about?

The list below provides examples of groups or causes (tribes). Select  the three that most request for retrial to you.

Addiction (alcohol, drug, etc.),   house issues,   Children,   Immigration,   condition Care,   Elderly,   Poverty,   Energy,   Environment,   Education,   Agriculture,   Gender equity,   Homeless,   Justice System,   Government,   Nutrition,   Law,   Politics,   News,   Veterans,   Journalism,   Performing arts,   Sexuality Issues,   Art,   Literature,   Music,   Design,   Sports,   Food,   Ill & Disabled,   Synagogues,   Computer technology,   Safety,   society development,   Spirituality,   Labor relation,   Minorities,   Home condition care,   Food security,   Printing & publishing,   Women's issues,   Tourism,   Organizational development,   Religion,   Gardening,   Defense,   Literacy,   Reproductive issues,   Broadcasting,   Space exploration,   Border issues,   Biotech,   Youth,   Animal rights,   Civil rights issues,   group safety,   Non-profit agencies,   Animal care,   Child protection,   Churches,   Animal protection,   Human Rights, Childcare,   Infants,   Orphans & vulnerable  children,   Labor relations,   Justice,   Governance,   Disabilities/Special needs

Step 6

You have now identified your actions, values and passions, and it is finally time to pull it all together into your mission statement. Your mission is the sum of your verbs, core value and tribes.

Please take a few moments to reflect upon what you have done up until now and think about what you easily want to be, do and have. What purpose do you have for your life? Listen to your still, small inner voice within and using your verbs, values and tribes, write down what your heart is saying.

You simply need to add your 'tribe" data to the work that you completed in Step 4 to write a one to two sentence mission statement.

A good mission statement is inspiring, exciting, clear, true and engaging. As you read the statement you have formulated, ask yourself the following questions:

Is this you? Is this true? Does this make sense? Is this inspiring? Does this excite you? Are you willing to have your life be about this and this only? Is this something you can do in discrete environments(work, home, alone, group gatherings)? Write your final mission statement below:

When your mission statement is complete, write down small actions you will do this week to begin living your mission.  Break the big things down into smaller tasks.  Start with very easy tasks that you will supervene through on and complete easily.

Some examples:

Initiate a telephone call to set an appointment with someone with data you need accomplish an Internet search on  a subject Enroll in a Pilates class Get together with a supportive group of population to brainstorm Begin meditating every other day for the next week Beginning right away is vital.  Many experts would propose you to take at least one operation within the 24 hours.   Follow-through is very important.

Jot down  the baby steps you will take within 24 hours:

1.

2.

3.

Mission Complete.  Congratulations!

Step 7

While the Mission Statement that you created is a succinct declaration of your life purpose, the vision Statement is a succinct declaration of the unique manner in which you will accomplish your purpose.

Imagine yourself 10 times braver.  The fear is gone!  everything you do is a success.  You cannot fail.  Breathe in your glorious future.

I believe that we should recap the vision Statement as though we are stating what we easily see, feel, and hear after we comprehend our ideal outcome.  reply the following questions in the gift tense.  Make it emotional and add a lot of detail.   For example, "It is three years from now Friday afternoon and I am happy and smiling as I leave work".

Imagine it is Friday afternoon, three years from now.

Where are you (city/town and state)? What are you doing on this Friday afternoon.  recap it all. Is there music playing? What do you hear? What are you looking at? What do you taste?? What do you smell? What sensations do you have in your body? What thoughts are you thinking? Where do you live (house, apartment, trailer, tent) What population and animals live with you? What are you wearing? What did you do for fun last weekend? What are you planning to do this weekend? Describe in detail your ideal work setting, ideal workday, and ideal co-workers.  If you do not work, recap your ideal day.

Now you have industrialized the big picture for your life.  This will help you remain focused and piquant in the right direction even when life's distractions pop up.  Your vision statement need not be written in stone.    Who knows, you may have an epiphany and want to total rewrite your statement.  I propose that you recap it once per quarter to decide if it is still aligned with your desired outcome.

"Shoot for the moon! Even if you miss, you'll still be among the stars." ~ Les Brown

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