Discuss The Impacts of Taxation

Whenever a firm faces new speculation openings (or to keep its working) which have positive net present qualities, financing needs go along. The alternatives run from utilizing money produced from activities to just forego the undertakings. On the off chance that the organization needs to take its activities, when its money isn't sufficient, it can raise new assets from value or obligation. This blend of value and obligation which an organization chooses to utilize is known as its capital structure. This paper is about how a firm should build up its obligation/value proportion, centering in the favorable circumstances and burdens of taxes’ sway on this proportion. Capital StructureWhen alluding to the capital structure of a firm, it is difficult to stay away from Modigliani-Miller’s (MM) powerful paper â€Å"The Cost of Capital, Corporation Finance and the Theory of Investment† (1958). Afterward, they distributed a few â€Å"follow-up† papers talking about these themes. MM set the establishments of the cutting edge hypothesis of capital structure. MM first theory was that, under specific presumptions, the firm’s esteem is constant notwithstanding relative changes in its capital structure, subsequently â€Å"a firm can't change the all out estimation of its extraordinary protections by changing the extents of its capital structure. † (Ross, Westerfield and Jaffe, 2001.p. 401).This is known as MM suggestion I. In a general manner this suggestion is stating that an organization can't accomplish something for its investors that they can't do without anyone else. The MM second suggestion infers that the utilization of obligation for financing increment the normal future income, yet this expansion is combined with an expansion in the hazard to value holders, subsequently the markdown rate used to esteem these future profit likewise increments. As Fabozzi and Patterson state â€Å"the expanded expected profit have on the esti mation of value is counterbalanced by the expanded markdown rate applied to these less secure income. †(2003)Mathematically the recommendations can be expressed: Proposition I: VU=VL where VU is the estimation of an unlevered firm and VL is the estimation of a turned firm. Suggestion II: rs = r0 + B/S (r0 †rb) where rS is the expense of value, r0 is the expense of capital for an all value firm, rB is the expense of obligation and, B/S is the obligation to-value proportion. Be that as it may, these speculations depend on a â€Å"perfect market† presumption. At the point when flaws are available into a specific market this theory is deluding. Changes in a firm’s capital structure could change the firm worth. One of the most significant market blemishes is the nearness of taxes.Capital Structure and the Presence of Corporate Taxes In the past areas is expressed that the firm worth is inconsequential to its capital structure, I. e. it doesn't rely upon its oblig ation/value proportion. In any case, when duties are fused into the examination this certification isn't correct, â€Å"in the nearness of corporate assessments, the firm’s esteem is decidedly identified with its obligation. † (Ross et al. 2001. ) Thus, the utilization of obligation has a preferred position over financing with value. The Internal Revenue Code (IRC) â€Å"allows intrigue paid on obligation to be deducted by the paying partnership in deciding its available income† (IRC code 1963 qt.in Fabozzi and Patterson. 2003. P. 598) This advantage is known as Interest Tax Shield, because of the way that â€Å"interest cost shields salary from taxation† (p. 602). This is TaxShield=(TaxRate)(InterestExpense) Now is important to esteem this shield and perceive how this progressions the firm worth. Assessing the articulation above it very well may be said that whatever the available pay of an organization is without obligation, the available salary is pres ently less in a sum equivalent to the Tax Shield within the sight of obligation. This thought is additionally situated in MM ideas.In different words, the firm worth is: Firm Value = Unleveraged Firm Value + Tax Shield Value Going profoundly, this announcement infers that all organizations ought to pick greatest obligation, something that can not be seen into this present reality. This is because of the nearness of liquidation and different pain related costs that decrease the estimation of a turned firm. As a firm expands its influence position these costs increment. There is a moment that the current estimation of â€Å"these costs from an extra dollar of obligation approaches the expansion in the current estimation of the assessment shield.† (Ross et al. 2001. p. 432)This is the obligation level which expands the firm worth. Past this point the pain related costs increment quicker than the firm an incentive because of extra obligation. Along these lines, there is an exchan ge off between tax breaks and the budgetary misery costs. There is an ideal measure of obligation for each firm, and this must be its obligation target level. Nearness of Personal Taxes In nearness of individual annual duties could diminish, or even kill, the upside of corporate assessments related with obligation financing.Despite this, if the yields because of obligation and stocks cause charges at a similar rate that the individual expenses, there is as yet a bit of leeway originating from corporate taxes(Van Horne, 1997). Merton Miller suggested that, in nearness of both, individual and corporate duties, the choices about capital structure of a firm were unessential (Miller, 1977). Regardless of this, individual assessments have various rates; in this manner, with steady hazard, people who are in the lower rate section must lean toward obligation and the individuals who are at the upper piece of the scale must favor stocks.Fabozzi and Patterson sum up this point as follow: 1. On the off chance that obligation pay (intrigue) and value salary (profits and capital gratefulness) are charged at a similar rate, the intrigue charge shield expands the estimation of the firm. 2. On the off chance that obligation pay is charged at rates higher than value salary, a portion of the duty bit of leeway to obligation is balanced by an expense inconvenience to obligation pay. 3. In the event that financial specialists can utilize the assessment laws viably to decrease to zero their duty on value pay, firms will assume obligation up to where the expense bit of leeway to obligation is simply balanced by the duty weakness to obligation income.The main concern from fusing individual charges is that there is a profit by utilizing obligation. (p. 603) Small Literature Survey In this area it will be summed up certain sentiments and discoveries about capital structure choices and expenses. Panteghini in a work about multinationals capital structure found that â€Å"optimal influe nce is arrived at when the negligible advantage of obligation financing (which is because of the deductibility of intrigue costs) compares its minor cost (which is identified with the normal expense of default).A procedure utilized is â€Å"Income shifting† which â€Å"raises the tax reduction of obligation financing, in this manner animating obligation financing, and defers default. † (2006) Verschueren research about Belgian organizations techniques indicated that â€Å"The speculation that organizations for which the assessment preferred position of obligation financing is higher have higher obligation charge protecting proportions gets just pitiful help: progressively gainful firms have lower obligation charge protecting proportions. † She discovered â€Å"no signs that maintaining a strategic distance from office clashes of any sort assumes a huge job in the assurance of obligation charge protecting. † (2002, p.22)She states that these outcomes are v ery near universal examination moreover. Graham and Tucker found a comparable outcome â€Å"Firms that utilization charge covers utilize less obligation on normal than do non-cover firms. † There is additionally a potential issue which is that â€Å"under-turned firms may have â€Å"off balance sheet† charge reasonings that are not effectively noticeable, and which are in this way regularly disregarded in observational examinations. † (2005 p. 1) Irina Stefanescu shows up to a practically identical determination â€Å"There is a general agreement that critical duty motivations are related with corporate borrowing.Nevertheless, numerous enormous and gainful organizations with an okay of monetary misery have moderately low obligation proportions. † (2006) Stewart Myers, clarifying Miller’s paper â€Å"Debt and Taxes†, hypothesizes regarding why firms are not â€Å"awash in debt†Ã¢ · A fascinating point he states is that Miller’s model â€Å"allow us to clarify the scattering of genuine obligation strategies without presenting non-esteem expanding chiefs. In the other hand he states likewise that â€Å"Firms have valid justifications to abstain from financing genuine speculation by giving normal stock or other dangerous securities.They would prefer not to risk falling into the issue of either passing by positive NPV ventures or giving stock at a value they believe is too low†. (1980) Conclusion It appears that few explores have been acted in capital structure choices. In spite of the fact that not every one of them show up to a similar end it gives the feeling that the expense shields impactsly affect firms esteem; and the nearness of individual assessments don't dispose of this fact.In the other hand, discoveries that organizations have not larges measures of obligation demonstrates that they may get a few points of interest from different sources, e. g. reeling sheet benefits. Following a long time since Modigliani and Miller’s paper showed up, it very well may be said that â€Å"however, much stays to be done before the expense of capital can be taken care of on the rack among the tackled issues. † (Modigliani-Miller 1958)

Impact of ICT on an Adult in Employment, Including the Effect on Working Style Essay Example for Free

Effect of ICT on an Adult in Employment, Including the Effect on Working Style Essay Anything individuals have made could be called innovation, however for the most part individuals consider progresses in utilizing logical information and applying it to a useful use, such as making photovoltaic cells or wind turbines. Innovation inspired by instances of a particular innovation being used, for example, the web or Decision Support Systems. Innovation can tackle a large portion of our issues and everything which we are utilizing in our live for instance: radio, TV, PCs, web, cell phone, and These are called innovation. We use innovation in better places too for instance: at home, in workplaces, business, shops, or so on. Various individuals give Various individuals will give it distinctive significance relying upon their perspective and setting. The job and effects of innovation in both our own and lives are ever developing. Innovation is tied in with making a move to meet a human need instead of only understanding the activities of the regular world. We can characterize Technology like this: A group of information used to make apparatuses, create abilities, and concentrate or gather materials; the utilization of science (the mix of the logical technique and material) to meet a goal or tackle an issues called Technology. Point: In this investigation I am going to tell about the life of John: John is a specialist and he is 52 years of age he has 22 years experience and he is an agent and he utilize various innovations for his work and for his life he utilize the accompanying advances: Email Cell Phone PC And furthermore I am expounding on the life of John which how does the innovation influence on his life and how this innovation transform him, since John said that 20 years back I have no Mobile Phone, email address and Software, which I have now, and he said that since 5 years the innovation has completely changed me and I can not do my works without these advances. Email presentation: Email, short for electronic mail, is a framework wherein a PC client can trade messages with other PC clients utilizing an interchanges organize. To utilize email, you should approach a PC that is connected to the outside world, by means of a modem, telephone line, or fiber optic link (Ethernet). Sending email is like sending postal mail, with some significant contrasts: 1. Email is a large number of times quicker. A message can go from Illinois to Australia right away! 2. Email is free nearby there is no postage cost to understudies. 3. Email isn't as private as a standard letter. 4. Email involves figuring out how to utilize PC programs. 5. Likewise, E-mail expects us to have a sign-on to the electronic mail framework, and this normally includes having a secret phrase, as well. 6. Email can be sent to numerous individuals simultaneously, and you can take an interest in on-going conversations regarding numerous matters simultaneously. 7. Email can get to data and record libraries, well communicate something specific and recover an archive or pictures in practically no time. 8. Email regularly contains grammatical mistakes and incorrect spellings since it is so natural to deliver and send. How/why he utilizes E-mail actually? John utilizes email to send his report to the organization that he is working for at that point and to send or get photos over the web. Sending reports over the web spares a ton of time and is a simpler strategy for imparting than through the post. Before he got the web he utilized the post to send the report to the organization. He utilize the web to advise his accomplices, and when he fine an offer he can send an email to the entirety of his associate to educate those and a few times he sent a few maps of homes from his own email to other partner, and furthermore he use email to sent some photographs and recordings as well, and he stated: that I am not generally utilize my email to my own work I utilize my email for getting a charge out of and sending messages for my Childs, spouse, companions and to my families as well. What is the favorable circumstances/impediment of email? John said that E-mail Advertising, as powerful as it is has the two points of interest and weaknesses. It is valuable to be very much aware of the two sides of the coin as one leaves on the utilization of email for their showcasing and promoting, and he is additionally that fortunately the upsides of email publicizing are various and far exceed the couple of weaknesses. The benefits of email which impact on his life these are in the accompanying: 1. Its quicker. He got email very quickly after it is send, generally in no time. 2. Its progressively conversational. Due to its promptness, an entire arrangement of email messages possibly he traded inside a brief timeframe. Subsequently, email messages will in general be less formal and they are likewise normally shorter and more to the point. 3. Since email is so new, he has no rigid standards about what might be said in a message. These principles are developing a result of his expanded utilization of email, just as the approach of new innovation that consistently influences how he applies it. Furthermore, he likewise said that email doesn't have simply favorable circumstances it has impediments as well, presently I am expounding on the inconveniences of email which impact on John life: 1. As he has seen, probably the greatest impediment of email is the ability for misconception. Email has some different impediments also. It very well may be utilized to converse with more than each individual in turn, yet the methods for doing so can be somewhat lumbering. At its center, email is a balanced correspondence medium. Email requires dynamic investment, and he needs to browse his email to get messages. In the event that he doesn't browse his email, he will never realize that someone has reached him. 2. An excessive amount of email can prompt administration issues with his in-box being overpowered via mail. 3. Because of its casual nature it is anything but difficult to his to overlook dissimilar to correspondence on the phone or mail. Which things E-mail contain? * Inbox: A territory in his mail memory that holds got messages that have not been perused or prepared. * Drafts: When he spared a few reports in his email address, the records and archives which he spared before he can discover in Drafts. * Sent: The sends which he sent this sent thing will reveal to him which records, letters, archives and pictures he sent. * Spam: Internet spam is at least one spontaneous messages, sent or posted as a feature of a bigger assortment of messages, all having generously indistinguishable substance. * Trash: garbage and useless material that will be discarded. * Contacts: All his companions, families, laborers and another person that John knows them he can spare all his email address in contact and afterward can see their messages effectively and early when he needs. * Calendar: We all think about importance of Calendar, schedule is an arrangement of sorting out days for a socially, strict, financially, or authoritatively helpful reason. * Notepad: Some significant sentences that John need to spare them Notepad is the spot that he can spare them all their. On the off chance that John didnt have E-mail, how might it influence his activity? John stated: on the off chance that I didnt have email address, at that point I would lose my business, since I have bunches of laborers in my business I can see each one and enlightening every one of them concerning their employments, so the most effortless route for me is that I am sending every one of them and accepting the reactions of them, and furthermore by utilizing my mail I can sent a few maps and places and bearings for my laborers, and I am educating them, likewise I am utilizing my sends to sent and gets from my family, and companions as well. Cell Phone Introduction: A Mobile Phone (otherwise called a Cellular Telephone) is characterized as a convenient electronic gadget with the end goal of broadcast communications over significant distances. Most present cell phones really associate with a cell system of base stations (the cell locales themselves) which cover to yield inclusion and which likewise connection to the standard landline open exchanged phone arrange. It ought to be noticed that cell phones are unmistakable from family unit cordless phones which for the most part work just inside scope of a committed base station (however the differentiation is obscuring with cell phones that can interface through Bluetooth to a home web base station). It ought to be noted, in any case, that the term cell phone can allude to a portable communication gadget and furthermore incorporates satellite telephones and radio telephones. Most telephones has camera which we can take photographs, and record a few recordings as well. How/why he utilizes Mobile Phone? John utilize cell phones to be associate with his family, youngsters, and spouse and with his companions. What's more, he utilizes his cell phone in office and to his business to illuminate his laborers and to be in contact with the people groups which he works. He additionally utilizes cell phone to send recordings, photographs, messages for each body which he needs. He utilizes various things that his portable contain and the accompanying things his cell phones contain: Messages, Contact, Alarm, Calendar, Fun box, Reminder, Call register, Tones, Profiles, Calculator. He utilizes Messages to send record and messages for his family, companion, spouse and children. He utilizes Alarm to get up morning ahead of schedule for his activity. Furthermore, the schedule which his Mobile Phone contain he realized that what date is today and which day is today. Furthermore, his cell phone has suggestion to remind him some of the time which he overlooked a few works. Furthermore, a few times the occasions which he filling load up he is going to Games which it versatile has and Playing a few games, and his cell phone has web too that he can go too web and see his sends and another things which we can do it on web and he said that I am happy and I am filling too acceptable motivation I can take care of my heaps of issues with utilizing the cell phone. What are points of interest/disservices of cell phone when he use? Favorable circumstances of utilizing cell phone: 1. He can take it with him whom he didnt miss significant calls. 2. He doesnt have telemarketers irritating him at supper time. 3. In the event that he experiences vehicle difficulty or a mishap he can call for crises. 4. He can take the photos of mishap or any slim

Finding General Scholarship Essay Samples

Finding General Scholarship Essay SamplesWhen it comes to writing an essay on college financial aid, general scholarship essay samples can help make the process easier. Having the right skills and talent in writing is the key to this type of academic project.As a matter of fact, if you are going to use these general scholarship essay samples as a guide, you can often make the essay much more attractive to those who are reviewing your application. If you apply to a wide variety of schools, you can look for differences in how they will review your application. Even if you can't necessarily tell a huge difference at first glance, those that eventually apply to your school will be impressed by your ability to keep up with the changing times.Most writing requires you to have knowledge about various subjects so that you can answer the various questions that are asked of you. You should be familiar with what is commonly known as the 'general topic.' This generally includes general subjects such as health, travel, art, science, and religion.It also includes those topics that are closely related to the general topic as well as areas of interest. Your subject matter will also have to deal with subjects that you have some knowledge about as well as ones that you don't.General topic scholarships are something that you can take advantage of as well when looking for scholarship essay samples. Since you will have the general topic already covered, you don't have to worry about writing about a specific topic.When it comes to the general topic, you should be able to research extensively for your essay as well as writing on topics that are familiar to you. For example, if you are interested in pursuing medical billing, you will find that this is very similar to the general topic of medical billing.There are other general topics that you can cover as well. If you are studying the relationship between travel and sports, for example, you can provide an article on sports travel.In c onclusion, many writers should be able to find some general scholarship essay samples to use. In fact, you should look for those that seem to be related to your intended topic so that you will have an easy time coming up with topics that will interest readers.

Global Code Of Ethics And Ethics - 938 Words

MBA 605: Unit 4 Exercise Global Code of Ethics Introduction All employees and senior level executives are expected to uphold to the Global Code of Ethics in the highest ethical standards of this corporate international organization. Each employee is to abide by the laws of their country and the regulations of the organization in which they work. The Global Code of Ethics helps ensure compliance with the standards of business, ethics, and governing regulation requirements put in place. All employees and senior level executives are expected to read and understand the Global Code of Ethics and uphold these standards in their daily activities while being mindful of the organization’s policies and procedures. I. Transparency Accountability All employees, directors, supervisors, and managers are expected to be fair, transparent, accurate, and timely in disclosing of information, data, and reporting critical to the success of the business. Account records must not contain any false, vague, or misleading information or entries. If an error occurs, employees are to fully disclose and report the oversight to their supervisor immediately. Records must never be altered, destroyed, or concealed if ever to be audited, inquired by the federal government, requested by the law for litigation purposes or under subpoena. II. Confidentiality All employees, managers, supervisors, and senior level staff must take steps to safeguard all confidential information and data includingShow MoreRelatedGlobal Code Of Ethics : Ethics1407 Words   |  6 Pages Global Code of Ethics Sherry D. Martin Patten University Global Code of Ethics A global Code of Ethics has been established at [Company Name] to encourage conformity with behaviors that reflect high ethical standards. 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The Nationalism Of The 19th Century - 913 Words

Abstract in Abstract in principle, yet individually quantifiable, nationalism swept through 18th and 19th century global populations, igniting the fire for some of the most significant and revolutionary changes of the time. During the period, eons’ old hierarchal systems found themselves closeted, as novel enlightenment principles were bred and spread throughout the world. Kingdoms fell, borders were redrawn, and ultimately, nationalism led to the worldwide adoption of a new sense of individual identity, no longer associated with kings and queens. Full embracement of the nationalistic revolution benefited individuals and nations alike, eliciting feelings of pride in its practitioners, while uniting individuals in invisible and powerful communities, resulting in the forward progression of society. Angered and primed for revolt, as the result of continual monarchal abuse, citizens of Europe and their overseas colonies, felt at bay with their crowned rulers. Their sense of identity, once engulfed by their respective empires, began to slowly degrade with the progression of the 18th century. In its replacement an imagined communities began to form amongst societies, and cultures, one not based on their empires, but instead on their common traits. This new notion of self-image, nationalism, can be found embodied in many of the time periods writings, spanning from the early 18th to the late 19th century. However, while diverse in age and subject, many of these writings seem toShow MoreRelatedNationalism in Europe in the 19th century Essay875 Words   |  4 PagesNationalism is way of thinking both political and socially to create a community united by: history, ethnicity, religions, common culture, and language. Numerous effects occurred while establishing a Nationalist community, some effects were a long term impact on Nationalism, and other was short term impacts on Nationalism. 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Essay on Popol Vuh vs. Gilgamesh - 861 Words

Popol Vuh vs. Gilgamesh While the two texts Gilgamesh and Popol Vuh have many similarities, themes characters ect. I personally would not call the two texts similar. In my opinion for two texts to be similar they must poses similar general themes that apply to the entire text, not small themes that only apply to portions of the text. In other words I believe that two texts can have similar events, yet have completely different meanings. Popol Vuh and Gilgamesh actually had more similarities than dissimilarities, but it is the significance of those similarities, not the quantity, that really counts. The fact that small details come up in both texts does not overshadow the fact that these two texts have different meanings. In this essay†¦show more content†¦This is all hinted at in religion. Rituals and traditions are usually based on religion, especially in heavily religious cultures, therefore religious readings are a good way to learn about them. Social structure can also be learned about through religious texts, Popol Vuh for example mentions famous kings as well as the gods, reading about these kings lets us know what their government was like. Science, while not mentioned in religious documents can be inferred by what is not left up to faith. For example, in Popol Vuh the Mayans believe that the sun is a god traveling across the sky, from this we can infer that the Mayans did not study astronomy very closely. Gilgamesh on the other, hand is not a religious document of any kind rather it is a Mesopotamian myth that involves religious figures. Despite that, much can be learned from it about Mesopotamian culture, because it too describes the gods, kings and people of ancient Mesopotamia, and while it is in no way any type of bible it does give a fair amount of background regarding their religion. Another similarity the two texts have is the way in which they depict the gods. Both Popol Vuh and Gilgamesh show the gods as having more human or having human tendencies. For example in Popol Vuh the gods fail in

Work Crew free essay sample

The sound of cars flying by filled the air and the smell of eggs and salsa was drifting over from Ritas best breakfast tacos in Texas. This doesnt seem the ideal place to say goodbye, but thats where we found ourselves, tears in our eyes and down our faces, as we gave final hugs and spoke final words to each other through sobs, before heading home after the month that had changed all our lives. The month that we came into as 15 completely different strangers, but somehow left as 15 best friends, close enough to elicit tears in the parking lot of a taco stand, a pretty difficult feat if you ask me. We had all been brought together by Laity Lodge Youth Camp, a christian camp nestled along the banks of the frio river in what i fondly refer to as middle of nowhere, Texas. Seriously, there are no roads that lead there, you have to drive on the side of a river, its as isolated as it gets. We will write a custom essay sample on Work Crew or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page We had all signed up for different personal reasons and somehow agreed to spend a month there, no pay, no recognition, working in the kitchen as a part of the aptly titled Work Crew. Work Crew is Laity Lodges program for incoming seniors, you see were that awkward age where we are too old to be campers yet still not old enough to manage other peoples children so they just stick us to work in the kitchen because they really dont know what else to do with us. It sounds pretty miserable, we spend 9 hours a day in the kitchen scraping barbaque sauce of off 344 plates, cleaning disintegrated cereal out of clogged drains and mopping up spills of unidentifiable substances time and time and time again. Yet it turned out to be the best experience of my entire life, and taught me more than I could have ever imagined. The thing that made crew unforgettable was the risk that it was to go. I went in knowing nobody, I was alone. I didnt have the safety and comforts I cling to at home. The magic of crew was that we were able to be ourselves. I came to the canyon without my safety nets. I came without any of our nice clothes, former reputations, friends from home, expectations to live up to, or any defining factor from my real world life. We all did. We couldnt hide behind the shells we are so used to defining ourselves by, our GPAs, number of Facebook photos, parties we attended, parties we didnt attend, goals wed scored, votes wed received, all of a sudden none of it mattered. For me at home I hide in the reputation of a self-proclaimed goody-two shoes and rule follower. Im scared to stray too far from the convention or do anything to out of the box for fear of disappointing people. This is not something to brag about. I get good grades, edit the school newspaper, and lead a bible study for middle schoolers. This is what I am known for. This is who at home I am. But going into work crew I didnt have my present reputation. I had the freedom and ability to do things I wanted without worrying what others thought. I could do things seemingly out of character for a quiet and timid straight A student. I learned to live in the moment, to be spontaneous. To take chances. To do crazy things. Like the time when the skies opened up for the first time all summer and released rain and we celebrated by kicking off our shoes, and running down to the river, the mud squishing underneath my feet before jumping in fully clothed. Or the time at the Rodeo Dance, when under th e cover of a thousand twinkling christmas lights and a blanket of stars covering the sky above that, to ask a counselor to dance, because my favorite song had just come on the stereo I wanted to dance, and goodness he was just really cute. To belt out music in a silent kitchen as loud and off-key as possible simply because my favorite song by Taylor Swift was on the speakers and I felt like singing aloud for a minute. To dance uninhibited, or really to just flail my arms and move my legs in odd contortions because I have no rhythm, but because pretending I know how to dance is better than just standing still and bobbing my head to the music. I learned to talk about my faults and my failures and admit that I dont have everything figured out all the time, or even half of it. I learned to accept that people loved me even when they saw my flaws and learned to love others because of their flaws as well. I could see people as who they really were and not just the things they did, clothes they owned, or weekend activites. I learned that its not the things we think that define people. People cant be defined. We all are complex creatures and theres no use pretending were not. We all want desperately to be loved and affirmed and accepted for who we are, and that really thats all that matters. The world I come from at home does not place a lot of value on who I really am. It places a lot of value on the things I do. I believe that college offers the chance for me to step into a world that accepts people for who they are as well as what they do. People who believe in themselves and know who they are so they dont feel the need to conform to standards of who they should be. I believe this lesson is the most important one I have ever learned. And so I believe that Work Crew, learning how to mop and sweep and love others, taught me all I will ever need to know.