Interest Rate And Demand Of Share Price Finance Essay - Free Essay Example

The Bangladeshi stock markets are impulsive for nurture original investment in stock market. Wholly, usual in DSE, there is no theory which we can apply efficiently to prove truthiness. Actually The market which is absolutely not really well-organized in terms of comparative information, and so that is one of the reason government control is no longer affected by these determinants. Due to inefficient market, the study may provide plenty of evidence that determinants of stock price have a little effect on share price. But investors are so many positive to some determinants that are most powerful and positive indicators in regard to profit from share market. However, investors, portfolios managers, and companies in our country are becoming aware of information. As the Bangladesh stock market is an emerging market, further studies need to be conducted to gain a better understanding of the market behavior and assist investors, portfolios managers, and companies to make ratio nal decisions. Research in this area should include market efficiency, reaction to the announcement of events, P/E ratio and stock market returns, and the impact on Bangladesh stock market prices of regional and international stock markets. The result of the study reinforce that many factors have relationships, both positive and negative with share market. The study is not error free for selecting variables but it includes a set of determinants that are important. The study reveal that some qualitative factors namely, company goodwill; market sentiments; company announcements; AGM; unpredicted circumstances; analysts report; technical influence; print and electronic media; hype; change in government policy; international situation; political turmoil as well as some quantitative factors like, dividend; market capital; price/salary ratio; EPS; net income; return on investment; retained earnings; merger; stock split; margin loan; demand supply of stock; inflation; interest rates; exch ange rates affect the stock price. This study also finds that price earnings ratio; stock price rumor; demand for the share; changes in government policies; economic circumstances are the most influential internal; external; economical; political; and ecological factors respectively regarding stock price. This paper also reveals liquidity, leverage, profitability, size of the firm, and dividend influence stock price, whereas growth has positive influence on stock price. It is also found that 65.0% of the variation in stock price is explained by cash flows, leverage, profitability, growth, market capitalization, and dividend. WANG Lijuan, XU Ye(2002) Indicate that interest rate and demand of share price they are talking about what factor would be helpful or give a way to witch investment from stock market to Bank mainly I have been get some analysis regarding to this articles well, in this paper, he used statistics from the Peoples Republic Chinas Statistical association, the Peop les Bank of China and China Securities rigid Commission, use Shanghai compound Index (SCI)as the dependent variable, choose macroeconomic indexes that can affect SCI, use SPSS for regression analysis of data and the organization of regression model, examine factors that have an effect on the change of Chinas stock prices, and the result show that exchange rates, interest rates, macroeconomic prosperity index, consumers self-assurance index and the corporate goods price index are the main factors. Price is mostly precious by the exchange rate, interest rate, macroeconomic prosperity index, consumers confidence index and corporate merchandise price index. Stock price is the result of a lot of factors and it change all the time. apart from for the five main factors, its also exaggerated by GDP, economic cycle, equilibrium of international trade payments and others, only that their collision is not as vast as that of the earlier five elements. Chinas stock marketplace has just begun and is still a new market. even though in new years it has progressed swiftly, it still has many shortcoming, which requirements study and the making of related strategies to lead it towards a optimistic growth, so as to inspire the development of financial market and Chinas economic success. When making applicable strategies, officials require considering the impact of a variety of factors, so that they can make right and effective procedures. Keith Sill (2002) Indicate that interest rate and demand of share price they are talking about what factor would be helpful or give a way to witch investment from stock market to Bank so for the purpose this article define that particularly describe Peso problems can occur when people allocate a helpful probability to actions that might come about but that are not well-represented in historical data. Because asset prices exemplify the financial markets apparent probability about likely future principles of economic variables, they are particu larly receptive to peso problems. Peso problems do not mirror market breakdown or market ineffectiveness. Somewhat, peso problems replicate economic analysts difficulty in using history-cal data to correctly model peoples expectations about the future. While the peso problem most usually comes up when analyze foreign-exchange markets, he explained in his explanation that may affect any asset market where opportunity deter-mine prices. The principal result of the peso problem is that it makes it harder to suitably interpret the prediction of economic forecasts and asset-pricing models. Whether peso problems add to asset pricing anomaly is mainly an empirical issue. And as well he has discussed mechanisms by which peso problems can potentially have an effect on asset prices. The principal complexity in studying peso problems is how to model peoples outlook when the economic environment is unstable. Small changes in prospect can often lead to huge changes in peoples behavior and, thus, in the behavior of economic variables such as asset prices. So due to this people will be thing about the transfer their investment automatically from store market to bank Mohd Zaini Abd Karim(2004) The main purpose of this study is to investigate the relevance of stock price and foreign opportunity cost variables to the money demand function in Malaysia using quarterly data over the period of 1982:1 to 1998:2 by employing recently developed econometric techniques of co integration and error correction modeling. To take into account the effect of Asian Financial Crisis in mid 1997 on the behavior of the demand for money in Malaysia, the sample period is divided into two sub-samples: 1982:1 to 1996:4 and 1982:1 to 1998:2. The results provide evidence that the crisis somewhat affect the behavior of the money demand. The results of the study also show that the real money balances, real income, moneys own rate of return, the rate of return of alternative assets, stock prices, expect ed exchange rate depreciation and foreign interest rate are cointe -grated suggesting the existence of a stable long run relationship among them in spite of the financial liberalization and innovation process that the Malaysian financial system has been experiencing. In addition, the results also indicate the dominance of wealth effect over substitution effect and the presence of currency substitution in Malaysia. In this paper, we use the robust time series tools in order to estimate Pakistans money demand function for the period 1971:1-2006:4.We find that there are four co- integrating vectors in money demand, interest rate, economic activity, inflation, stock prices and exchange rate. Important findings of this paper i.e. stock price have positively and statistically significant wealth effect and exchange rate insigni ficantly effect on money demand in the long run. But in the short run the inflation has negative and significant effect on money demand. The go al of this paper is to estimate the association between exchange rate, stock Prices and demand for money function in Pakistan for the peri od 1971:1 2006:4.We estimate the money demand function by using the robust co-integration tools. Th e JJ Co-integration result suggest that there are four co-integrating vectors in money demand, interest rate , economic activity, inflation, stock prices and exchange rate. Important findings of this paper are that stock pr ices positively and statistically significant and exchange rate insignificantly associ ated to money demand in the long run. But in the short run the inflation negatively and significantly effect on the money demand. The stock prices positively wealth on money demand in the long run. Hence an increase in stock prices is expected to dictate an easier monetary policy to prevent a gi ven nominal income or inflation target being undershot.,,,,,,,, Knowing about stimulus of stock indices is a key for the f uture projection of stocks performance and in turn provide base for making and suggesting appropriate economic policies. The main objective of the study is to find different determinants of share prices and the relationship of these determinants with the share prices of Karachi Stock Exchange (KSE) 100 index of Pakistan. After going through literature review 5 quantitative determinants, namely Book to Market (B/M) ratio, Price Earning (P/E) ratio, Dividend, Gross Domestic Product (GDP) and Interest Rate were selected to find out the direction and strength of relationship. A sample of 34 companies has been randomly selected from 34 sectors of KSE. Ten years (2000-2009) data has been collected for the sample companies. The tools used for analysis are Linear Multiple Regression and Correlation Model. It has been concluded that all the factors selected have positive and significant relationship with share prices except Interest rate and B/M ratio. The rise in GDP, dividend and P/E ratio leads to rise in share prices. B/M ratio and interest rate are negatively related to share prices. The hypothesis developed for GDP rate, Dividend per share, Interest rate, B/M ratio and P/E ratio are thus accepted. This paper examines whether stock prices and exchange rates are related to each other or not. Both the long-run and the short-run association between these variables are explored. The study uses monthly data on four South Asian countries, including Pakistan, India, Bangladesh and Sri-Lanka, for the period January 1994 to December 2000. We employed cointegration, vector error correction modeling technique and standard Granger causality tests to examine the long-run and short-run association between stock prices and exchange rates. The results of this study show no short-run association between the said variables for all four countries. There is no long-run relationship between stock prices and exc hange rates for Pakistan and India as well. However, for Bangladesh and Sri Lanka there appear to be a bi-directional causality between these two financial variables. Our results have implications for investors, policy makers and academicians. This paper examined the long-run and short-run association between stock prices and exchange rates for four South Asian countries for the period January 1994 to December 2000. We employed monthly data and applied cointegration, error correction modeling approach and standard Granger causality tests to examine the long run and short-run association. Our results show no long run and short-run association between stock prices and exchange rates for Pakistan and India. No short-run association was also found for Bangladesh and Sri-Lanka. However, there seem to be a bi-directional long-run causality between these variables for Bangladesh and Sri Lanka. Our results suggest that in South Asian countries stock prices and exchange rates are unrelated (at least in the short-run), therefore, investors cannot use information obtained from one market (say stock market) to predict the behavior of other market. Moreover, authorities in these countries cannot use exchange rate as a policy tool to attract foreign portfolio investment; rather they should use some other means to do this (e.g., use interest rates, reduce political uncertainty, improve law and order situation, produce conducive investment climate etc.). The above results provide evidence against the portfolio balance models of exchange rates determination that postulate a uni-directional causation that runs from stock prices to exchange rates, neither do these results support the traditional models that hypothesized causation from exchange rates to stock prices. We, however, suggest that the significance of our results could possibly be improved upon by applying daily or weekly data. The use of more frequent observa tions may better capture the dynamics of stock and currency market interrelationships. Another possible extension is to employ the firm level data for these countries and examining the above relationship for those firms that are engaged in international trade (e.g., multinational firms) and for those firms that are not directly affected by exchange rates. The federal funds rate is an indicator of monetary policy that investors in the stock market scrutinize very closely. This paper determines the relationship between changes in the federal funds rate and sector stock indexes. The paper goes on to determine why particular sectors are more sensitive to interest rate changes than others. Weekly returns of the Dow Jones ICB classified financial, energy, utilities, materials, industrials, consumer goods, consumer services, information technology, healthcare and telecommunications sectors are analyzed using separate OLS regression models for each sector . The results show that the utilities, financials, telecom and basic materials sectors are the most interest rate sensitive in that order and that the relationship exhibited between the stock price and the federal funds rate is positive. I conclude by attributing the positive relationship to sector specific demand and supply effectsÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¦ÃƒÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¦ This paper examines the long- run equilibrium relationships between the major stock indices of Singapore and the United States and selected macroeconomic variables by means of time series data for the period January 1982 to December 2002. The results of various cointegrat ion tests suggest that Singapores stock prices generally display a long- run equi librium relationship with interest rate and money supply (M1) but the same type of relationship does not hold for the United States. To capture the short-run dynamics of the evolving relationship between sto ck indices and macroeconomic variables, we apply the same methodology for different subsets of data covering shorter time periods. It is found that before the Asian Crisis of 1997, stock markets in Singapore moved in tandem with interest rate and money supply, but this pattern was not observed after the crisis. In the United States, stock prices were strongly cointegrated with macroeconomic variables before the 1987 equity crisis but the relationship was impaired thereafter and eventually disappeared with the onset of 1997 Asian Crisis. Finally, the results of Granger causality tests uncover some systematic causal relationships implying that stock market performance might be a good gauge for Central Banks monetary policy adjustment. This study investigates the long run and short run relationships between the major stock indices of Singapore and the United States and some macroeconomic variables, like the measure of money supply, M1 and interest ra tes by means of time series analysis for the period from January 1982 to December 2002. Our cointegration analysis suggest that changes in Singapores stock prices in general do form a long run equilibrium relationship with interest rate and M1 but the same does not apply to the case of the United States. We further divide the overall study period into three sub-periods for Singapore and United States data in order to focus on evolving relation between stock price indices and macroeconomic variables on different market conditions. It is found that before 1997 Asian financial crisis, stock markets in Singapore were cointegrated with interest rate and money supply. However this equilibrium was broken after the crisis. In the U.S. markets, stock prices were strongly cointegrated with macro-economic variables before 1987 equity crisis and the equilibrium was impaired after 1987 crisis and ultimately disappeared after 1997 Asian Crisis. Finally, the result s from the Grange r Causality tests seem to support the view that the level of the stock markets might be used by central bank as an indicator to adjust monetary policy. The cointegration and causality findings in our paper enable investors in their investment decision making in the US and Singapore stock markets. Investors could further enhance their investment by incorporating our results with the findings in other approaches, like technical analysis (Wong et al 2001, 2003). Another way to improve the decision making on stock markets is to include the fundamental analysis (Thompson and Wong 1991, Wong and Chan 2004) or to incorporate the stochastic dominance approach (Wong and Li 1999, and Wong et al 2004) or a study on the economic situation or financial anomalies (Manzur, et al 1999, Wan and Wong 2001, and Fong et al 2004). One could also apply advanced time series analysis (Wong and Miller 1990, Tiku et al 2000 and Wong and Bian 2004) or Baye sian estimation (Matsumura et al 1990 and Wong and Bian 2000) to improve the estimation. ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¦ This paper investigates the existence of spillovers from stock prices onto consumption and the interest rate for South Africa using a time-varying vector autoregressive (TVP-VAR) model with stochastic volatility. In this regard, we estimate a three-variable TVP-VAR model comprising of real consumption growth rate, the nominal three-months Treasury bill rate and the growth rate of real stock prices. We find that the impact of a real stock price shocks on consumption is in general positive, with large and significant effects observed at the one-quarter ahead horizon. However, there is also evidence of significant negative spillovers from the stock market to consumption during the financial crisis, at both short and long-horizons. Monetary policy response to stock price shocks has been persistent, and strong especially post-the financia l liberalization in 1985, but became weaker during the financial crisis. Overall, we provide evidence of significant time-varying spillovers on consumption and interest rate from the stock market.

How to Prepare For Common App Essay Topics

<h1>How to Prepare For Common App Essay Topics</h1><p>Applying for normal application exposition themes is an approach to show your capacity and enthusiasm for the point. You will have the option to show that you are keen on this subject and the abilities you have obtained through your school examines. Having an incredible advanced degree requires some investment and difficult work and a decent school advocate will have the option to direct you on what to expound on and how to move beyond the entrance advisory board. Ensure that your application is custom fitted to fit with the particular regular application paper topics.</p><p></p><p>When applying for basic application exposition points, ensure that your articles are loaded up with your enthusiasm. On the off chance that you don't have a solid feeling on the subject, do exclude it in your application. You should express your conclusion and how you need your application to stand apart among t he others. Try not to give data on the point that will be futile for the entrance advisory board. There are a great deal of candidates who leave their considerations on legislative issues or recent developments on their application, yet these subjects are not permitted as they could mess up the confirmations committee.</p><p></p><p>It is a significant piece of composing the articles and realizing where to begin and where to end is indispensable. You ought to have an arrangement for every theme and layout your arrangements for the article before composing the papers. A powerful article covers fundamental data about the subject in a compact way.</p><p></p><p>For the regular application paper themes, you ought to abstain from saying whatever you would not say in the homeroom. Never notice somebody's name in the exposition. On the off chance that you have to utilize a citation or expression of somebody from the article, it should originate from a source that isn't with regards to the paper. Try not to counterfeit, regardless of whether it isn't something you would state in class.</p><p></p><p>Always audit your task so as to check whether there are any irregularities. These incorporate language structure and accentuation, spelling, inaccurate capitalization, and whatever other missteps that might be messing you up while presenting your application. The entrance advisory board will just permit expositions that are elegantly composed and that follow the rules set by regular application paper topics.</p><p></p><p>Essays that are titled in the theoretical or first individual won't be acknowledged. There are three distinct sorts of paper subjects: intelligent, investigation, and point of view. Intelligent expositions investigate a specific theme, while the others depend on the perspective of the candidate. Every classification has distinctive article position and various guid elines that are to be followed.</p><p></p><p>A point of view paper is one that inspects the candidate's perspectives and qualities about the application. Candidates won't be permitted to talk about recent developments that were remembered for the point of view exposition. They can just discuss things that are pertinent to the application.</p><p></p><p>Common App exposition themes will give you the most obvious opportunity with regards to getting acknowledged by the school you need to join in. It will permit you to communicate and your assessment about the topic you have picked. This will help make your application stand apart among the others.</p>

What Students Can Learn From Sociology Term Papers on Dating

What Students Can Learn From Sociology Term Papers on DatingSociology research projects on dating are not as difficult to do as you would might suspect. For a certain something, they are a great method to find out about the social parts of human connections. All the more critically, they will permit you to give your understudies genuine models and to assist them with their own examination. Along these lines, a great humanism research paper on dating will be helpful for a long time to come.Sociologists should remember that the investigation of people isn't constrained to the scholarly network. For example, there are a wide range of sorts of connections including companionship, sentimental love, business connections, familial connections, and different sorts. Along these lines, these are for the most part extraordinary subjects for a fascinating human science research project on dating. Understudies who take up this sort of paper will become familiar with the social elements of the hum an condition.Sociologists should ensure that they permit their understudies to compose the paper in a way that is aware of those they are managing. A few understudies might be progressively open to composing on themes that are nearer to home, while others may like to compose on subjects that are increasingly conceptual. It is prescribed that sociologists permit their understudies to pick the subject that is generally speaking to them. All things considered, not every person will be alright with precisely what it is that they are composing about.Sociologists can utilize articles from their own encounters to show their understudies different sorts of connections. This sort of paper is valuable for understudies who need to find out about the connections among guardians and kids. They may likewise discover this sort of paper helpful when they need to find out about the kind of connections that are shared by gay and lesbian couples. These kinds of connections are the most well-known inst ances of the sorts of connections that sociologists manage on an ordinary basis.Sociologists can likewise utilize a paper like this to instruct about the elements of a marriage or even to clarify why a relationship will end. The paper can likewise be utilized as a conversation control that will enable the understudy to find out about the sorts of practices that they ought to anticipate from others when they take part seeing someone. As a rule, understudies will have the option to distinguish designs that they have seen that can enable them to anticipate when a relationship will fail.Sociology research papers on dating will likewise assist understudies with bettering comprehend some of the mental and social issues that they face in regular day to day existence. One of the most significant issues that understudies ought to consider is the issue of desire. While nobody needs to be the object of desire, it is conceivable to find out about the significance of being in a caring relationsh ip without transparently sharing your deepest contemplations about the individual being referred to. On the off chance that an understudy takes up a human science research paper on dating and is happy to follow their interests, they may end up finding out about things that are more fascinating than the scholarly undertakings that they may be utilized to.Sociologists will likewise have the option to show understudies how to plan for their paper. On account of a sociological research paper on dating, understudies should consider the sorts of inquiries that they are going to need to reply. This will assist them with ensuring that they get the perfect measure of data that they requirement for their paper.Sociologists should ensure that they keep on offering their understudies the guidance that they provide for their understudies. Not all sociologists are eager to examine the subject of connections consistently, which is the reason it is significant for a humanist to know about the vario us types of connections that they could show their understudies. There are a wide range of kinds of connections that are more obvious than others. All things considered, the equivalent goes for sociologists.

Writing On Cancer Topics For Essay Will Improve Your Student Grades

<h1>Writing On Cancer Topics For Essay Will Improve Your Student Grades</h1><p>Cancer subjects for article are probably the best methods of expanding your understudy grades. Composing papers around there of study is no uncertainty troublesome, particularly when you've been dependent upon the feared plain old syntactic composing traps and entanglements. In any case, those with a certifiable enthusiasm for this subject will undoubtedly build up a talent for it.</p><p></p><p>As an outcome, composing on the subject of malignancy points for article ought not be excused. Recollect that on the off chance that you figure you can't compose well on malignant growth points for exposition, that is a slip-up. You can compose well even on these subjects.</p><p></p><p>One of the initial steps to adequately composing on disease themes for exposition is to begin by recognizing the pieces of the article that you feel that you are accept able at. When you have a superior comprehension of the theme, you are in a superior situation to really compose well on it.</p><p></p><p>Start by acclimating yourself with clinical wording. Get yourself acquainted with the terms utilized in malignant growth explore journals.</p><p></p><p>Although you may discover your concept of composing on disease points for paper to be somewhat overwhelming, in any event attempt to comprehend what others are doing and why you ought to as well. Comprehend the impediments of your own capacities, and understand that you can gain from the encounters of others.</p><p></p><p>In truth, the more articles you read, the better instructed you will become about clinical research articles. What's more, when you have a thankfulness for the requirement for instruction, you are well en route to being set up for the assignments and assessments you will experience while you are amidst this sig nificant undertaking. In fact, there is nothing more regrettable than dealing with the idea of malignant growth points for paper, just to find that you are unfit to compose such pieces.</p><p></p><p>And yet, composing on disease themes for article won't be an assurance for passing marks. There are consistently various angles that must be considered so as to make an educated judgment with regards to whether the subject will give great practice to your paper composing. All things considered, this is the thing that your subject is about: instruction, so it is vital that you ensure that your subject can really profit by your topic.</p>

Introducing Online Shopping Essay Topics

<h1>Introducing Online Shopping Essay Topics </h1> <h2>The Online Shopping Essay Topics Trap </h2> <p>Shopping line is a superb technique to spare their time. Now and again the on-line image of a thing can be misleading by causing it to appear to be fancier or more clean. The main part that makes a distinction in web shopping is the extra difficulty a costumer must experience when looking to restore a thing. Among the distinctions among a retail location and an on-line store is that while the store has restricted long stretches of activity, an on-line store is open twenty four hours out of each day and seven days out of every week. </p> <h2>The Birth of Online Shopping Essay Topics </h2> <p>On-line shopping likewise raises the client inclusion on dynamic of item he might want to buy. It is the fate of purchasing products and probably the greenest approaches to shop in our present society. Taking everything into account, it has dis advantages and merits for some individuals. To finish up, it has a few preferences and weaknesses. </p> <p>It's likewise not irregular for web stores to deduct the first cost of transportation the thing from the arrival receipt. It may be less hard to restore a broken item to the local store for fix, rather than experiencing the difficulty and cost of transportation it back to an on-line shop. Delivery expense is much of the time a colossal debilitation for web customers. Only a couple of locales give free conveyance, some others will transport for nothing just if your total price tag surpasses a specific volume. </p> <p>With an online association, people are in a situation to peruse online stores and buy items at the advantageous of their own one of a kind homes. You may discover and buy items from all around the globe. You get the opportunity to think about in light of the fact that numerous items and costs as you need without expecting to dedicate the time and cash to go between a wide range of shops. </p> <h2> Key Pieces of Online Shopping Essay Topics </h2> <p>In web shopping, you don't have to squander your valuable vitality if purchasing. Nowadays, customers don't have to move exceptionally far to shop. Numerous individuals choose to direct shopping on the web because of the accommodation. </p> <p>Normal shopping is a sort of shopping where an individual must go market and he should buy or buy things physically. There are no irritating groups. Despite the accomplishment of buying through web shopping stores, there keep on being a few detriments that the vast majority today whine about. </p> <p>Merchants are likewise at a likelihood of extortion since they can't forestall buys that are made with taken charge cards. Likewise, online stores tend to give appealing costs most likely since they have lower overhead costs. On-line shopping purchasers have more opportunities to experience extortion due to vanishing of web shopping site, misrepresentation of the genuine cost of thing, and charge card extortion. Web retailers ought to spin around client maintenance. </p> <p>Furthermore, the business has a framework to keep client unwaveringness and thus it presented Tesco Loyalty Club. Web shopping is getting a basic bit of our regular day to day existences and has been embraced by each key physical retailer in the U.S. Web shopping has even helped certain organizations in accomplishing upper hands as it grants them to get rid of go-betweens and offer right to the customers. On account of the utilization of World Wide Web in web shopping, one is in a situation to get to any on-line advertise on earth which empowers a customer to look at costs for merchandise and ventures from wherever. Tesco has additionally built up a web framework to allow clients to make buy from their Smart-telephones. </p> <p>On-line shopping has transformed into a most loved shopping strategy since the time the net has announced a takeover. It is another innovation that has been made alongside the improvement of the Internet. It is useful for all the individua l who don't have the opportunity to go to showcase for shopping so they can arrange their necessary thing or item on the web. Typical shopping is phenomenal for the people who don't have such a great amount of comprehension of web. </p> <p>For occurrence, to purchase a lot of healthy skin from abroad, the cost of the delivery from abroad to Malaysia is a lot pricier than the skin health management itself. Right off the bat, web shopping has absence of phenomenal assessment. Two or three your chief focuses may be with respect to data customers don't know about that could damage or help their on-line shopping experience. Obviously, it might be any assortment of elements. </p> <h2> Online Shopping Essay Topics Secrets</h2> <p>Shopping is actually the most loved work of the people. It is simple or agreeable in the present individuals. Web Shopping is the absolute best methodology in the current life. Also, it makes it simple to purchase things from an y piece of the world. </p> <h2>Facts, Fiction and Online Shopping Essay Topics </h2> <p>For case, the cost of sending an email is typically more affordable than posting a letter via the post office, especially for individuals wishing to convey globally. Another explanation a few buyers abstain from shopping on the web is the reality they stress that the items they buy aren't precisely depicted in the website's image. Others might be worried about shopping on the web simply because they dread their Visa data will be undermined. On-line shopping has assumed an imperative job for a wellspring of data. </p>

Tips on Writing an Essay About Your Illegal Parents

<h1>Tips on Writing an Essay About Your Illegal Parents</h1><p>There are numerous guardians that have a type of issues with their unlawful guardians and one approach to do this is to compose an article about them. This is more difficult than one might expect however there are a few things that you can do so as to make this assignment simple. You can begin by composing a family and afterward plan the article so that it covers the entire of your family's history.</p><p></p><p>The first thing that you have to do is start to accumulate the data about your folks. Make certain to accumulate everything that you think about them. The more research that you do, the simpler it will be to get into the remainder of the story. While inquiring about a history, you should consistently ensure that all the data that you are gathering is accurate.</p><p></p><p>Once you have gathered all the data, the time has come to start exploring. Th e principal thing that you have to do is record all the significant things that you assembled from your exploration. Ensure that you have everything sorted out with the goal that you can without much of a stretch compose the data and have it prepared for when you need to compose the essay.</p><p></p><p>When you start to compose, the most significant thing that you have to recall is to consistently utilize your feelings when composing. On the off chance that you are making some hard memories managing something, recollect that you are permitted to cry or be irate and expound on this. You ought to never speak condescendingly to your perusers or utilize any sort of deigning language.</p><p></p><p>When you are starting to compose your paper, you ought to consistently have one passage as a top priority. This section should state what you need the peruser to comprehend and this passage should establish the pace for the remainder of the paper. On the off chance that you are uncertain about the point that you need to make, ensure that you initially record the section that you need to utilize and afterward work out the remainder of the essay.</p><p></p><p>Oneof the most ideal approaches to expound on illicit guardians is to expound on what your folks didn't do. The most ideal approach to do this is to simply let your creative mind go out of control and be certain that you are writing in a basic and clear manner.</p><p></p><p>After you have composed the article, it is significant that you edit the exposition before you send it off to school. Your paper is significant and it ought not be portrayed as the best exposition ever. You need to take advantage of your school paper so ensure that you don't skirt any of the means so as to ensure that you are taking advantage of the essay.</p>

Examples of a Personal Essay - What is the Best Sample?

<h1>Examples of a Personal Essay - What is the Best Sample?</h1><p>There are numerous kinds of tests of an individual exposition accessible on the web, and a large number of them contain similar focuses. In any case, what they may be missing is a comprehension of what the best models really are.</p><p></p><p>The length of a paper isn't really the most significant thought. As I referenced previously, length isn't the end-all and be-all. Frequently, it is the feeling of the author that counts.</p><p></p><p>If you are composing a longwinded exposition about your firstborn kid, and your PC's Internet association takes a few hours to download the article, you can disregard the length of the article. What's more, don't stress, I am not proposing you compose a book report on the subject. A paper can be short and direct without leaving a terrible preference for anybody's mouth. Simply ensure the peruser peruses the essay.</ p><p></p><p>If you are expounding on a relationship that has been hard for you to work through, there are test articles composed for these sorts of papers. These can assist you with relaxing and work through the issues and issues, regardless of whether you believe you are losing control.</p><p></p><p>If your article is about a wedding, it isn't exceptional to get a paper for the gathering, too. These can tell you the best way to keep in touch with one. Simply don't compose your wedding discourse excessively well. Simply make sure to come clean, regardless of whether it makes you look silly.</p><p></p><p>For an exposition that is about a get-away or a family gathering, you should ensure the example is a unique thought and not only a repeat of different articles regarding the matter. This will assist with shielding the peruser from feeling bored.</p><p></p><p>If you have just thought of certai n examples of apersonal exposition for individual sites, they can be useful to you while setting up an article for your last paper. They will likewise furnish you with thoughts and ideas for your exposition that you might not have thought of before.</p><p></p><p>It is critical to recognize what sort of papers you are composing, and the most significant factor is the length of the article. In the event that you use tests of an individual article that is excessively long, the peruser may get bothered and quit any pretense of attempting to complete the process of perusing it.</p>

Writing a Paradox Essay

<h1>Writing a Paradox Essay</h1><p>If you need to realize how to compose a Catch 22 article, at that point you should initially know the guidelines of the exposition itself. You can utilize these rules to assist you with composing a conundrum article as well.</p><p></p><p>First, recollect that your paper is about an inquiry or a problem. It is to a greater degree a speculation action than thinking of one. It is additionally expected to be engaging. This is the reason numerous creators will strive to make their subjects' contemplations fascinating and locks in. Make certain to consider what it is you need to pass on with your paper before you even plunk down to compose it.</p><p></p><p>Before you start to think about your article subjects, you have to solicit yourself what kind from conundrum you might want to compose. Is your intended interest group for perusers who are commonly more intelligent than you are? Or then a gain would you say you are searching for subjects that are hard to get it? Or then again would you like to compose something that is amusing and pertinent to your point? There are such a significant number of various approaches to arrive at your objective and numerous individuals have had achievement composing these sorts of essays.</p><p></p><p>First of all, decide the fundamental purpose behind your theme. At that point choose your theme's structure. Next, choose whether you need to compose an exposition that is fundamentally one long passage, or whether you need to separate your article into a few sections. In conclusion, choose if you might want to diagram your paper, or in the event that you might want to simply let your article stream normally. At last, choose to what extent you are happy to spend on your essay.</p><p></p><p>At this point, you might need to utilize some Internet assets to accumulate thoughts for your article. The re are numerous online stores where you can discover huge amounts of thoughts for Catch 22 paper subjects. A few subjects will be unmistakable and others will be expansive. You may locate an extraordinary one and be left with it for some time, however in the end your brain will begin pulling pranks on you.</p><p></p><p>Once you have your material, you ought to plunk down and work out the article. The most ideal approach to compose a Catch 22 paper is to compose from the heart. Utilize your instinct and other inward emotions as your guide. It is not necessarily the case that you can't utilize rationale, however you should utilize it more as a rule to manage you as opposed to as a crutch.</p><p></p><p>Use various techniques for composing as well. Compose a paper in parts, utilize a framework, utilize an assortment of styles of language. Be imaginative and consider new ideas to be certain that you don't compose something that no one needs to read.</p><p></p><p>Finally, make certain to follow your heart when you are composing your paper. Let it stream normally and appreciate the procedure. The more that you make the most of your exposition, the almost certain you are to compose something you will be pleased of.</p>

A Guide to Research Essay Outlines

<h1>A Guide to Research Essay Outlines</h1><p>Research paper diagrams are required for school composing courses and have a few purposes. The fundamental reason for existing is to present the primary concern of the exposition in a brief and sorted out way. Research articles, as you may have just speculated, are long and contain data that is regularly hard to comprehend without the exposition plot. It is significant that the author follows the diagram intently with the goal that the point can be effectively understood.</p><p></p><p>Before illustrating the exposition, the essayist ought to settle on the topic that is imperative to the theme. The task will for the most part request that the understudy select a classification of things that they accept the theme identifies with. The essayist should likewise conclude how they're going to move toward this subject, including what they will remember for the content. The essayist may incorporate resear ch papers, some of which have been recently composed, yet other research papers may not be incorporated. They will be introduced to the understudy to consider and use in the examination paper.</p><p></p><p>After choosing the theme, the author ought to compose the exposition layout, which will cover the entirety of the focuses and thoughts remembered for the exploration paper. The essayist needs to ensure they have the correct request. It's significant that the blueprint be composed rapidly and that it incorporate all the significant data and an arrangement of occasions. There is no motivation to sit around idly and attempt to make a blueprint of the whole paper. On the off chance that the author does that, they may miss key focuses and ideas.</p><p></p><p>The explore exposition is otherwise called the exploration report. The most well known kind of research paper is typically a quantitative one and includes the entirety of similar prer equisites. Be that as it may, the author must take a few components from the two sorts of research papers. There is no set in stone answer, simply various approaches to take a gander at every point. A few inquiries to pose to yourself are: What are my options?</p><p></p><p>Writing a layout just because can be scary, yet it's significant that you plan appropriately. It's significant that you record your alternatives and consider what will be remembered for the examination paper. Record everything that you believe is applicable to your task. Numerous authors put themselves in a circumstance that isn't fitting, and it very well may be disappointing. Notwithstanding, on the off chance that you can step back and comprehend the master plan, it makes the diagram a lot simpler to write.</p><p></p><p>The layout is the underlying perspective in the exploration paper. It shows where the fundamental thought of the exposition lies, just as the sequ ential request of the occasions. The layout causes the author to concentrate on what they have to, and it gives them thoughts on the most proficient method to structure the paper. The thoughts are simply contemplations, however the framework gives a concentration to everything. The framework tells the author the best way to get the focal thought across in a brief and composed way.</p><p></p><p>The essayist might need to invest some energy following the blueprint intently, particularly on the off chance that they know the central matter of the exposition. In any case, the layout isn't the end-all and be-the entirety of the examination paper. The author should proceed to compose and include data that was not referenced in the layout. They should re-compose the diagram as new research comes their direction, making it much more effective.</p><p></p><p>It is critical to follow the examination exposition plot that is given by the composing t eacher or relegated for the task. By following the layout intently, the author will have the option to finish the exposition in a convenient manner and complete it such that will make it simple to peruse. The author ought to likewise consider to what extent the article will be. The framework ought not take up a lot of the essayist's time.</p>

Write College Papers Online - How to Avoid Getting Scammed by Websites That Teach You How to Write College Papers

Write College Papers Online - How to Avoid Getting Scammed by Websites That Teach You How to Write College PapersAlthough there are many websites that claim to teach you how to write college papers, what they really want is for you to sign up to their newsletter or to be one of their subscribers. Both of these actions will allow them to get you to sign up to their email marketing list.These organizations receive a lot of emails and there are large numbers of recipients who would be interested in your material. They will send you email whenever you subscribe to their list, and they may even send you materials about the latest trends and how to write papers. This way, they can get a high number of people subscribing to their list.The way they get subscribers is to get you to sign up to their list. When you do this, they receive a number of emails from you. When the emails arrive, the group sends you a link on the email that they give you. When you click this link, it takes you to their website where you can sign up for the email newsletter.Most of these newsletters are kept up to date by these companies, so they will have all the information you need on how to write papers. These newsletters will provide you with instructions on how to structure your assignments and how to write good research papers.Websites that sell information on how to write papers will try to get you to subscribe to their lists. There is nothing wrong with this type of subscription, but you need to know the company you are giving your information to.In fact, it would be a good idea to check out their history with regard to customer complaints with regards to student lending. Do you think that if a particular company has a bad track record with students that they should be trusted to teach you how to write college papers? Probably not.The best way to avoid this is to look at the history of complaints filed against a particular company with the Better Business Bureau. If the company has had lo ts of complaints, then you probably want to avoid giving them your credit card information.Websites that sell ideas on how to write papers are the same as websites that sell newsletters. Both will try to get you to subscribe to their mailing list so they can sell you on their products. It's important to know which of these are legitimate companies and which are scams.

Essay Topics About Pollution: What You Should Know

Essay Topics About Pollution: What You Should KnowHaving a college essay topic about pollution can be a very challenging task. Many students are forced to do the research before they get to the essay writing part of the assignment. However, this can make it more difficult if you feel that it is necessary to write about a particular topic before you can even begin to write your essay.There are many essay topics that you can choose from, but you may not know which one is right for you. It is better to write about a topic that you have knowledge on. While this may seem obvious, many students don't realize that they do not have knowledge on certain topics. This may also seem like common sense, but sometimes the truth is that some topics will just sound good if you use a different name.There are many essay topics about pollution out there. The only way to determine which one is right for you is to look at the various options. Whether you choose a topic based on information that you can fi nd or you want to write an essay about something that you already know about, there are always two things to consider: the difficulty of the topic and how much you already know about it.One of the most popular essay topics about pollution deals with topics such as air quality and the effects that it has on the environment. There are many different ways that pollution is affecting the environment, including global warming and its effect on the ozone layer, air pollution and the effects that it has on the air we breathe, and so on. These are all important topics that should be discussed in a college essay.If you choose to write about pollution and air quality, then the topics are fairly easy to write about. However, you still need to make sure that you are able to properly state the information that you will be using in your essay. It can be very frustrating to write about something that you know little about.It can also be difficult to write about environmental issues when you haven' t taken an environmental science class. You may think that this is important, but you need to remember that your essay is not your textbook. You don't want to be stuck trying to explain a concept that you can't explain with a short explanation.In today's world, finding environmental issues can be extremely challenging. It is a lot easier to use words and numbers to write about something that you are well versed on. The most common topic about pollution is global warming, which is an issue that is causing a huge amount of damage to the environment.The same can be said for air quality and its effects on the environment. Pollution is one of the most widespread issues in our world. Pollution can easily be caused by large corporations or individuals. While you may be writing an essay about pollution, it is a very interesting topic that everyone should know about.

The Rights Taken Away from the East Germans during the...

During the Cold War, lots of East Germans had rights taken from them. The main causes were the East German government and Russia, which built the Berlin Wall, the main restricting barrier for the East Germans. Some of the rights that they East Germans lost, as stated at www.lowyinterpreter.org, â€Å"Many regimes in Eastern Europe refused to allow their citizens freedom to travel, and prisoners of conscience were jailed for trying to exercise their rights of expression, association and religion.† However, the main rights that were taken away from the East Germans were the rights of travel, and the right of good government/stable economy. When the Berlin Wall went up, it prevented travel for East Germans to anyplace other than surrounding†¦show more content†¦The first real thing that stood up against the rest of the marches/peaceful riots happened in May of 1989. During this time the annual elections for government were being held. In the days that worked up to the vo ting, word had spread to vote no to the Soviets. Most of the Germans did so, and when the votes came up that 98.5 % of the Germans had sided with the Soviets, It was known that the elections had been messed with. Then on September 4, 1989 people started to protest against the government with the confidence that the Church they had been preaching too in Leipzig, were supporting them. After the first rally, it became a weekly thing known as the â€Å"Monday Night Demonstrations.† A month afterwards, the few hundreds had changed to over 70,000 people that were taking the street. A week later, there was 120,000, and then 320,000 the next week. Then on November 4, only one month later, there were more than a million people in the streets, asking for an end to the soviets reign. 5 days later on November 9, the East German government announced the opening of the border, allowing the East Germans to have their right of travel back. This also held true for everything else that the Eas t German government and Russia were restricting from the East Germans. The two sides of Germany were united once more, and communism was shut out. Democracy was the new form of government in East Germany. East Germans could now practice any religion they wanted, andShow MoreRelated The Berlin Wall Essay example1532 Words   |  7 Pageswas called the Berlin Wall, and it represented the divide between East and West Germany. It also represented the loss of East Germany’s freedom and democracy. The Berlin Wall separated families and friends. This resulted in children growing up without a father and wives losing all communication with their husbands. The Berlin Wall poorly affected many people and businesses, and caused an ugly dent in Germany’s history. After World War Two ended, Germany was in a horrible state. America would fly inRead MoreThe Political System Of Germany1321 Words   |  6 PagesIn German history there has been many different eras where the political system in Germany has set them on very different courses. In 1990 when the possibility of Germany reunifying after splitting into a Democratic and Communist side was thought possible, there was the question of the past and what had previously happened that led to Germany’s failings after Bismarck and the Nazi German Reich. There are 3 main eras that I believe allow us to look at this Bismarck (1860s-1870s), the world war/NaziRead MoreWas It Necessary For The Berlin Wall To Be Built?. Elise1323 Words   |  6 Pagesbetween East and West Germany that lasted from 1961 to 1989. The purpose of the Wall was to keep people who were not communists (fascists) from entering East Germany. This divide created many impacts on people, the economy, and even impacted human wo rld history. It was not necessary for the Berlin Wall to be built. On November 9, 1989 the Berlin wall was built. The wall was ordered to be built by East Germany’s communist leader, Walter Ulbricht to stop Germans from the east and west from crossingRead MoreThe Cold War : American Liberalism Vs. Soviet Communism1627 Words   |  7 PagesThe Cold War - was at its root a battle of ideas: American liberalism vs. Soviet Communism. The two ideologies clashed at their very nature, which led to deep mistrust and fear of the unknown about the unpredictability of the other. The two world powers simply could not exist without conflict. As a result, The United States of America took measures to prevent the worst: war. The steps the U.S.A took to quench the possibility of war separated the world even more, as they gave aid to some countriesRead More Berlin Wall Essay2621 Words   |  11 PagesBerlin Wall The Berlin Wall, for twenty-eight years, separated friends, families, and a nation. A lot of suffering began for Germany when World War II commenced, but by the end of the war Germany was in the mists of a disaster waiting to happen. After WWII was over Germany was divided into four parts. The United States, Great Britain, and France controlled the three divisions that were formed in the Western half; and the Eastern half was controlled by the Soviet Republic. The Western divisionsRead MoreThe Cold War And The Soviet Union2074 Words   |  9 PagesThe cold war can be described as a state of political, military and economic tension between the western world and its democratic ideals and Eastern Europe who shared that communist ideology. It was however lead mainly by the two super powers that rose at the end of the Second World War, the United States and the USSR. The War put a lot of pressure on both Britain and France in terms of their economic and military resources as they were st ill recovering from the consequences of the First World WarRead MoreGermany Has Wrestled With The Application Of Power Since Its Unification Essay2100 Words   |  9 Pagesthe application of power since its unification in 1990. Envisioning the resurgence of a German nation driven by power politics provoked fear in many of its European allies, mostly in apprehension to an endangerment to the established European order. Still, the concerns of these states extended to many German citizens who doubted their capability to confidently utilize power with such a dark history from World War II. To obliterate the records of its Nazi history, Germany championed foreign policy objectivesRead MoreThe Holocaust : A Life Changing Event That Made Both The Conquered And Conquerors1418 Words   |  6 Pagesthat the physical punishment they endured was much worse and demoralizing than just working or going without food. The Jewish people basically had no rights and were treated as completely inferi or to German men and women. The camp instructors viewed this as a justifiable reason to mistreat the Jewish population, as they were frowned upon by the German population at the time (because of Hitler’s claim that they were an inferior race). Both men and women fought over food or other items that would helpRead MoreTaking a Look at World War II1976 Words   |  8 Pages THE WAR The second world war officially began on September 1,1939 when Germany invaded Poland. The reason given by Hitler for the invasion was the Gleiwitz incident, which saw Poles attack the German radio station Sender Gleiwitz on August 31, 1939. It later emerged that they were actually SS agents in disguise and that the attack was done so as to justify the impending invasion of Poland. The Soviet Union also attacked Poland from the east after signing non-aggressionRead MoreThe Outcome Of Germany Won The Battle Of Stalingrad1792 Words   |  8 PagesOutcome Had Germany Won the Battle of Stalingrad World War 2 reshaped our world geographically, economically, and politically. During this time, Nazi Germany annihilated almost any opposition who challenged them. The German-Soviet Nonaggression Pact was signed on August 23, 1939 shortly before World War 2. In this document, both countries promised to take no military action against each other for the next 10 years. However, during the war, Hitler found Russia a necessity to enhance his world power

Medical Billing and Coding free essay sample

Medical Billing and Coding Medical billing and coding is the process of receiving and submitting error free claims to insurance companies to receive payment for services by a health care provider. Billing and coding is almost like story telling. Attention to detail and familiarity with anatomy, medical terminology and diseases enhance the coder’s ability to retell the events during a patient’s encounter by using diagnosis codes. The medical billing process is the interaction between health care providers and the insurance companies. The entire process is known as the billing cycle. It can take anywhere from several days to several months to complete and require several interactions until a resolution is reached. Billing and coding is not a new IT field and has been around for many decades. For several decades medical billing was done almost entirely on paper. The need for standardized information has grown since the beginning of the Medicare program in 1965. As new systems for reimbursement were developed, a need for specialized information grew and several types of coding methods were created, in addition to one that was already in existence. The International Classification of Disease (ICD) was developed and published by the World Health Organization (WHO) about seventy-five years ago to classify disease and diagnoses. This is currently used throughout the world and has been through 10 different modifications. The U. S. is now using the ICD 9-CM (ninth clinical modification), while many thers countries have switched to ICD 10. Other coding systems used with ICD 9-CM are CPT 4 (Current Procedural Terminology, 4th Revision) which is used for coding operations and diagnostics procedures and HCPS(Healthcare Common Procedural Coding Systems), used for coding medication, supplies and other services not covered by CPT. Additional coding systems exist in the U. S. and are used for research, mental health and pathology. The basic ICD 9 system was adapted for the use by hospitals, physicians and insurance companies. The ICD 9 system was revised in 1993 to allow better reporting and classifying of diseases. A medical biller or coder is also known as a diagnostic coder, medical records tech or medical coder-they are responsible for analyzing clinical statement of events and diagnosis entered by the attending provider and assigning the correct diagnosis code to the greatest specificity. Medical coders work in hospitals, clinics, surgery centers, long-term care facilities, insurance companies, dental offices, some health care agencies, consulting firms coding, billing services and government agencies. They typically work under the supervision of the Health Information Manager or chief Financial Officer. They must carefully review the medical documentation from the physicians so they can obtain detailed information regarding the disease, injuries, surgical operations and other procedures. That information is then translated into numeric codes. The coding specialist assigns diagnostic and procedural codes using a universally recognized coding system. They must pay careful attention for correct code selection so it is compliance with federal regulation and insurance requirements. The medical codes are used for reimbursement of hospital and physician claims for Medicare, Medicaid, and insurance payments. Students interested in pursuing a career in medical coding should take high school courses in algebra, biology, computer skills, English, typing, offices procedures, data processing, and health occupation. They should have a high school diploma or equivalent. An Associate’s Degree is recommended but training may be available on the job as well as through continuing education classes offered by state associations. They must pass an examination offered by the American Health Information Management Association (AHIMA) and the American Academy of Professional Coders. Medical coding has impacted businesses and society in a necessary way. A patient’s record is a medico legal document, and information contained within it is expected to be timely and accurate. In addition, the medical record verifies that the claim submitted for reimbursement is indeed accurate. Services provided must be supported by documentation in the record, which is the responsibility of each caregiver. CMS (federal agency/Center for Medicare and Medicaid Services) states, â€Å"Medical record documentation serves to facilitate high quality patient care†¦. verifies and documents precisely what services were actually provided. The medical record may be used to validate: (a) The site of the service; (b) the appropriateness of the services provided; (c) the accuracy of the billing; and (d) the identity of the care giver (service provider)† The diagnosis codes must justify any diagnostic or therapeutic procedures as well as supplies or injectables medications (HCPC code). When a medical encounter is coded correctly, there is a smooth transfer of coded data in exchange for reimbursement. This is called a clean claim. If there is insufficient documentation or an error in coding, the claim can be denied for lack of medical necessity. If document is not found within the record, then it is impossible to substantiate services or procedures that are done. If it is not documented it is not done. In 1989, HCFA (Health Care Financing Administration) required physicians to use an ICD 9-CM diagnosis code on their claim forms for reimbursement purposes. Prior to this, only hospitals were required to report a diagnosis code. and physicians could be reimbursed for their services by submitting only a procedure code. Regulations and compliance has also impacted the ability to recognized fraud and abuse, for inappropriate reimbursement has soared over the past twenty –five years and has been partly responsible for the increased costs of healthcare. In addition, the medical billing field has been challenged in recent years due to the introduction of Health Insurance Portability and Accountability Act (HIPPA). This is a set of rules and regulations that hospitals, doctors, health care providers and health plans must follow in order to provide their services and insure that there is no breach of confidence while maintaining patient record. Since 2005, medical providers have been urged to electronically send their claims in compliance with HIPPA to receive payment. In ten years I believe that this IT field will grow and expand but there may be a possibility where human personnel is replaced by computer coding application systems. There is an outstanding future for medical coding specialists. New technologies and medical tests, an increase in the number of elderly and their medical needs, and state and federal laws requiring more precision, all contributes to the increase in medical coding jobs. Because of the increased scrutiny over medical records by the government and insurance companies and an effort to control costs, complete and accurate records are becoming a necessity on order for hospitals and clinics to receive money from increased need for coders with the most current knowledge of new technologies. A medical coding specialist that takes the time to stay up-to-date with the constant changing and updating of medical codes will acquire a job with more ease than those who do not make the effort to advance their training. As in most occupations, many openings will result from the need to replace employees who transfer to other companies, retire, or stop working for various reasons. However, there are computer application companies currently working on programs that may eliminate the need for manual entry of diagnosis code. They may be creating program that will phase out coders all together, but I feel that the programs will be really costly and not all companies may be able to afford to purchase them. We will just have to wait and see. Being a biller and coder I, I know, with technology the capabilities is limitless Therefore, being a medical biller and coder myself, I have taken steps to help secure my future by attempting to obtain a degree in computer information. Just in case. In the next ten years I think the IT field will be headed towards, the constantly evolving cloud computing. Cloud computing refers to resources and applications that are available on the internet from just about any internet device. It allows customers to store data and access software or platforms through a third party managed network. Its greatest advantage is it allows businesses to scale their IT Infrastructure to meet the changing needs without making capital investments in new applications and hardware and cloud computing vendors will make it possible by charging customers on a per use basis, that will manage all hardware maintenance and software upgrades for the client. It is said to be more economical for users and companies. Because of the cloud some IT positions and job titles may be outsourced or eliminated. There will be new job titles like cloud architects, cloud capacity planner and cloud infrastructure administrator and integration architects. According, to the experts cloud computing will be the wave of computing for the future.