How to improve your grades in college

Effective methods to improve your memory
“Memory is the treasury and guardian of all things and is the most powerful weapon.”

So, is it possible to improve your memory? If you’ve ever found yourself forgetting where you left your mobile or blanking out information on necessary tests, you probably wish that your mind was a bit better. Genetics plays a role in memory loss. However, research has shown that diet and lifestyle have a significant impact on memory too.
Here are nine scientifically proved and evidence-based tips to increase your memory naturally

  1. Make time for Meditation.
    Meditation calms down our body and mind and helps us to think precisely. Research suggests meditation may increase grey matter in the brain and improve spatial working memory. If You can’t meditate, then close your eyes and start back-counting from 1000-1.
  2. Focus Your attention
    Pay attention while studying, and try to avoid distractions. At first, its a bit tough, but through practice, you will be able to acquire it.
  3. Visualize Concepts
    An experiment shows that if we visually perceive anything, then it remains in our brain for long. So, try to make mnemonics and figures while studying or working.
  4. Take breaks in between and get adequate sleep.
    The brain is similar to a machine. So, please give it some rest to increase its efficiency. Research has shown that taking a nap after learning something new can help you learn faster and remember better.
  5. Rehearse and relate new information to things that You already know
    Revision plays a vital role in recalling stuff readily. By establishing relationships between new ideas and previously existing memories, you can dramatically increase the likelihood of remembering the recently learned information.
  6. Eat a balanced diet
    Your diet plays an essential role in improving your memory. Eat less added sugar, avoid spicy and oily food. Eat green veggies, fruits, and milk as much as possible. Research has shown that almonds nourish the white matter in our brain, and Vitamin D is also an essential nutrient that plays many vital roles in the body.
    Low levels of vitamin D have been linked to a host of health issues, including a reduction in cognitive function. Consuming a diet rich in anti-inflammatory foods may help improve your memory.
    1. Exercise
      Exercise brings incredible benefits for your whole body, including your brain. Even moderate exercise for short periods has been shown to improve cognitive performance, including memory, across all age groups. Obesity is a risk factor for cognitive decline. Maintaining a body mass index within the normal range may help you avoid a host of obesity issues, including an imperfect memory.
    2. Train Your brain
      Exercising your cognitive skills by playing brain games like chess, crosswords, Soduku, etc. is a fun and effective way to boost your memory. Games that challenge your brain may strengthen your mind and may even reduce the risk of dementia.
      1. Avoid smoking and drinking alcohol
        Alcohol and tobacco have neurotoxic effects on the brain, including reducing memory performance. Occasional moderate drinking isn’t an issue, but binge drinking can damage your hippocampus, a key area of your brain associated with memory.

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What Assignment help play critical role.

           What is the importance of an assignment?

The first thing that comes to our mind when we hear about the assignment is that it is a complete waste of time. Writing assignment is something, which is almost disliked by every individual reading this blog. However, this concept is entirely wrong. Teachers deliver the necessary knowledge and information to students, which helps them understand the topics related to various subjects. As a teacher, it is not acceptable behavior to present everything to their students and pamper them. This effectively harms the learning competencies of students, and thus education becomes meaningless to them. Therefore, with the help of assignments and homework, students are expected to learn at home. Many of us might still question why we are given assignments, and what is the primary purpose behind it?

Well, let me tell you some positive aspects of an assignment.
• It helps You to invest your time wisely.
• It allows You to explore more topics in-depth, which standard classroom time doesn’t permit.
• It helps to maintain continuity in your studies and provides an excellent medium to revise your subjects before the exam.
• Teaches you to work independently and to take responsibility for your work.
• It helps you deal with deadlines in a real-life scenario and teaches You to use your time effectively by building a proper schedule.
• It lets you learn how to use tools such as E-books, research materials, and computer software to find knowledge and implement it smartly.
• Teaches You to implement your knowledge outside the book
• It gives You a feel for your real exam and trains you to do better in the
review.
• The primary purpose of assignments is to increase the learning capabilities of students. The more we use our brains, the more they develop. This is a proven scientific fact, and this is the principle behind giving extremely creative and involving assignments to the students. Students learn a lot more when they read or practice something by themselves.

If you still think that assignment is a total waste of time, then its time to change your thoughts if you want to succeed in your future. An assignment is a needful and an essential part of our education, and it’s better to adapt it instead of opposing it. It may be challenging to adjust the skills initially, so Edumanta brings you top-tutors and mentors who will guide You to solve your assignment. We provide a 24×7 service. We also have the facilities of online tutoring where you can ask your doubts regarding your assignment.
You can visit https://assignmenthelp.edumanta.com/, and everything will be a cakewalk for you.

Assignment help for M. Sc. Finance

CFA Research Report Rubric

Business Description:  Max points 5

Did team address the major components of the company’s business strategy?  Was each operating segment covered? What does the business do? What is the growth of the business? Who their customers (end users) and what is their condition? Make sure you cover each business unit.  Make sure you cover each region of business. Maybe: the major shareholders here.

This section of the report sets the baseline for the rest of the report. Make sure we study each business section and each geographical market in detail. Try to determine where and (if) growth is coming from.

We will use a levered beta for each business segment and ERP for each business region. We will determine weights. 

Industry Overview and Competitive Positioning:  Max points 15

What are the macro trends impacting the business? Discuss how the company is positioned globally and discuss the global environment for growth? What are the factors affecting the industry and how do they impact the target company? What is the overall market growth rate? Who are the company’s main competitors? How is this company different than their competitors? What is the power of suppliers? What is the power of the end-users? Does the company have any competitive advantage? Must show peer analysis. What are the industry drivers and industry structure? A very detailed discussion of the companies competitive positioning should be placed here (not in the investment summary). A strong discussion of industry factors and trends is needed here. Where does company fit? How fragmented is the industry? Locate both public and private competitors.  What is the source of the company’s or industry’s value?  What factors drive the industry? Really, understand how the business runs.

How does this company differential itself?  How does that add value? Talk about the company’s peers. Where does company fit?  Porter 5 forces and SWOT.

Investment Summary: Max points 20

This section must tie in to all others and must really support the buy or sell opinion.  Why did we use what we used?  Why does company trade at a discount or premium to the market multiples?  It the market wrong.  Will their historical multiple change? Why? We really need to have a “why” for each item.  Never use a DCF and market multiple exit together.  One or the other.  This section, and the next two, has the highest maximum points on the rubric. Great detail is needed on these three sections. The team must address and justify its buy (outperform or overweight), hold (neutral), or sell (underperform or underweight). Somewhere in this paper I would like to define our view of what a buy, sell, or hold means. Detail! Did we address and forecast changes in gross profit margin, operating profit margin, interest expense, tax rate, dividend policy, share buyback policy, capital expenditures, research and development spending, management changes, and mergers and acquisition possibilities? Is this a good company? Is this a good stock? Differentiate between these two positions. This could be a good spot to mention risks. Don’t just list the risks; try to quantify the probability and the impact of occurrence. Use and incorporate managements language from their earnings calls. What is management’s guidance for revenue and EPS; does our estimate deviate from management? Why?  Fewer inputs are better, no black box.  What are the key drivers?

Valuation: Max points 20

According to Aswath Damodaran the big three in valuation is 1) capacity to generate cash flows 2) expected growth rate of these cash flows and 3) uncertainty of these cash flows. Must model long-term organic growth given recent business trends. What are the weights of each valuation method; how did the team determine the weights. Must have a relative value valuation, a discounted cash flow valuation, and a PE multiple valuations. If applicable, team could use a sum of the parts valuation or an under value asset valuation. Must have multiple pricing models to improve the target price and valuation. Must show intrinsic value in our one-year price target to justify our buy, sell, hold. Show multiple methodologies! Discuss WACC. What is the consensus estimates? How does our estimate relate?  Do we value company with a higher P/E multiply than the street? Why? When using a DCF model do not have a terminal growth rate greater than the risk free rate. Some companies may grow at a faster rate long run than the risk-free rate but it is infrequent. Lower the risk rate during the terminal growth period.  Betas tend to run towards 1 in the long run. Also think about changing the debt weightings during the terminal period to a more traditional waiting. When working with beta we can use historical information, but it might be better to use some other forward-looking beta estimate. We could use a sector average or we could look at each business segment and assign a beta to each segment and use a weighted average. What are the company’s historical PE multiples. Compare the historical PEs to the S&P and to the sector. Doesn’t typically price at a PE multiple premium or discount? Where does it stand now? Describe how you determine the weights when using several valuation methods. For relative valuation I would like to see current PE, forward PE, price-to-book, enterprise value to EBITDA, and enterprise value to sales compared to the target companies competitors and peers. We should consider using the median value instead of the average or show both. We should consider throwing out outliers, but discussing our rationale. Intuitively, firms with higher growth rates, less risk, and greater cash flow potential should trade at higher multiples. Does our company justify a higher or lower multiple than the averages? In the simplest discounted cash flow model for equity which is stable growth dividend discount model, the value of equity is: Po = D1/k – g . Dividing both sides by net income (E) we obtain the discounted cash flow equation specifying the PE ratio for the stable growth firm. The key determinants of the P/E ratio are the expected growth rate in earnings per share, the cost of equity, and the payout ratio. All things remaining equal, we would expect higher growth, lower risk, and higher payout ratio firms to trade at higher multiples of earnings and firms without these characteristics. 

For relative valuation can we look at the companies PEG ratio versus its peers or sector? The key to relative valuation is finding comparable firms and adjusting for differences between the firms on growth, risk, and cash flows.

I would love to come up with a regression analysis with a macro-variable.  Multivariate regression model (etc. P/E should be x based on ROE, P/B,) for relative valuation. 

Smoothed or normalized earnings to account for cyclicality.

Are there unutilized or underutilized assets?  Add values because they do not show up in DCF.  Underfunded pension liability? Option values? If our intrinsic valuation is significantly off the market price, we really need to have a justification.  Monty-Carlo simulation on macro factors.  Always site references.  Dividends, share repurchase, acquisitions, cap-ex, R&D, debt pay down, what are they doing with cash? How does that effect price and value?  Is this good or bad?

Calculate ROC EBIT (1-t)/ BV of debt + BV of equity – cash.  What is ROC – WACC?  Is it positive?  That is the company’s competitive advantage.  Where do these excess returns come from?  Adjust ROC and BV for research and development costs; capitalize R&D.  Did the company have write-offs?  Write-offs will improve ROC; it will be overstated.  Take write-offs out. Goodwill may understate ROC; try to adjust.  Make sure leases are in book value of debt.

Was the last year’s EBIT a one-time event? Can we normalize EBIT?

Does the company take on good projects? This is the key to success with their future reinvestments. In 1/3 of all companies, ROC is less than WACC.  1/3 ROC = WACC and 1/3 ROC > WACC.  Do not be overwhelmed if ROC = < WACC. Remember, ROC is an accounting number. Is the accounting is misleading?

DCF.  Capital expenditures, acquisitions adjusted research and development and changes in working capital are cash outflows. Depreciation and amortization are cash inflows.

Capex depreciation analogy, calories consumed vs. calories burned off.

Cost of debt.  Try to create a synthetic rating using interest coverage ratio and NYU page.  Then apply appropriate spread.  Always use market values for equity and debt.

Financial Analysis: Max points 20

Be consistent. What do financial ratios mean for the business? How do they compare to the competitors? (Without comparing to competitors ratios are meaningless) Compare ratios to companies past; is there a trend? Looking for what the future holds. Ratio analysis must be compared to peers and the company’s trend. What is the financial model and scenario analysis? Monte Carlo simulation? Make sure to model of future financing needs.  Really, need to put it all together here. Peers? Did were spend enough time segments?

Investment Risks: Max points 15

The team should highlight all risks including risks other than economic, such as political, operational, and execution. Interest rate risk, leverage risk, integration risk, and risk of management change are crucial to this section. Also, cover inflation risk such as the company’s input costs and if the company would be able to cover this cost by raising prices.  Explain each risk the industry faces and how it effects company.  How serious is this risk (high, med, low).  Try to get something in each section of the rubric that is not in the standard 10-k filing.

Credit, liquidity, strategic, operational risks.

A failure to integrate acquisitions successfully. Pricing pressure from large customers. Rising interest rates. Macro – headwinds. Unfavorable regulatory policies. Unfunded pension liabilities – pension fund spending.

Corporate Governance: Max points 5

Describe and highlight the board structure in executive compensation. Try to do an analysis on how “good” the company’s corporate governance actually is. Discuss structure, independence and compensation of the board. Try to include an external metric on risk.  Are they better or worse than peers are?  Does this help or hurt valuation? ESG.  Any major changes here? How does change impact valuation?

Oral presentation

Try to have all members provide some answers. Be very prepared to talk about the company’s competitors. Stay on time!  Example: we mentioned that MTB had a good corporate governance policy.  They asked, “Is it better than their peer group?” They then asked, “How does that add valve to stock?”

Questions

What company acquisitions were good and bad? Were they accretive or dilutive? Were estimated synergies accomplished?

What is the company’s dividend policy? Do you see this changing going forward?  How about buy backs?

What are the company’s competitors how is their performance?

How does the currency exchange rate impact the company? How would a change in the exchange rate impact the company? Is currency exchange listed in the risk section?

Is management confident?

Does the company allocate capital correctly?

What is the company’s competitive advantage?

How much money does the company have in other countries?