The car industry: Dilemmas

The car industry: Dilemmas 1. Introduction The car industry faces a crucial weight problem resulting from increasing customer demands in terms of safety and performance. This trend leads to fully equipped cars in all classes getting more luxurious and comfortable. To escape from this vicious circle car manufacturers are forced to take action in the form of lightweight concepts. Light metals are seen as a promising opportunity to decrease the weight of a car. An increasing use of metals such as aluminium in the automotive industry shows that there is still large scope for improvements. Using aluminium car body panel is just a representative example of weight-saving effort did by car manufacturers. Aluminium has some properties that make it ideal for car bodies. The strength of aluminium frame and extruded sections is approximately the same as that of steel. However, the rigidity of aluminium is lower than that of steel. That is partly due to the modulus of elasticity of aluminium that is just one-third that of steel. (1) The effect is that aluminium has a higher elastic distortion when exposed to the same force as steel. Therefore the simple replacement of steel by aluminium engine is not an optimal solution as it does not exploit the whole scope of the advantages of aluminium. New ways need to be pursued to make full use of aluminiums advantages as a light weight material, which means it can be supplied in various aluminium alloys. Although the requirement for improved corrosion resistance and light-weighting are significant factors for use low-carbon steels in the manufacture of cars, (1) this traditional material still has some advantage such as higher strength and lower price. Many kinds of steel and aluminium alloys can be found commercially using in producing car body panels. Each material has its own characteristic. 1.1 Steel Steel is known as an alloy consisting mostly of iron, with carbon content between 0.2% and 2.1% by weight. (3) One of the main factors contributing to the utility of steels is the broad range of mechanical properties which can be obtained by heat treatment. For example, easy formability and good ductility may be necessary during fabrication of a part. Once formed very high strength part may be needed in service. Both of these material properties are achievable from the same material. All steels can be softened to some degree by annealing. The degree of softening depends on the chemical composition of the particular steel. (4) Annealing is achieved by heating to and holding at a suitable temperature followed by cooling at a suitable rate. Similarly, steels can be hardened or strengthened. This can be accomplished by cold working, heat treating, or an appropriate combination of these. Cold working is the technique used to strengthen both low carbon low alloyed steels and highly alloyed austenitic stainless steels. Only reasonably high strength levels can be attained in the carbon low alloyed steels, but the highly alloyed austenitic stainless steels can be cold worked to rather high strength levels. (5) Most steels are commonly supplied to specified minimum strength levels. Heat treating is the primary technique for strengthening the remainder of the steels. Some common heat treatment of steels is listed below: Martensitic hardening Pearlitic transformation Austempering Age hardening The recyclability of steel is brilliant and it is economically advantageous to do so. It is cheaper to recycle steel than to mine iron ore and manipulate it through the production process to form new steel. (6) 1.2 Aluminium-based alloys In the Earths crust, aluminium is the most abundant (8.3% by weight) metallic element and the third most abundant of all elements (after oxygen and silicon). Because of its strong affinity to oxygen, however, it is almost never found in the elemental state; instead it is found in oxides or silicates. Aluminium was isolated in small quantities early in the 19th century and it remained an expensive curiosity until 1886 when discovery of an economic method for its electrolyric extraction. Since then, the emergence of aluminium as a practical, commercial metal has relied primarily on the availability of electricity at economic prices. Aluminium is obtained from bauxite which is the name given to ores containing 40-60% hydrated alumina together with impurities such as iron oxides, silica and titania. Two steps are needed in the production of aluminium. First, alumina is extracted from bauxite. Second, use electrolysis to dissolve the alumina in molten cryolite and a typical electrolyte contains 80-90% of this compound and 2-8 % alumina together with additives such as aluminium and calcium fluorides. (7) Because the cryolite has a melting point as high as 1010?, the electrolysis of it needs a temperature of about 960? which wastes lots of energy and makes the cost of producing aluminium relatively higher. However, a new methodCambridge FFC which comes from the production of titanium, was introduced to China. This method use a NaCl-CaCl2 electrolyte which has a lower melting point of 520?, even lower than the melting point 660? of aluminium. By using alumina and liquid aluminium as negative electrode, the expanded reacting area on negative electrode allows the electrolysis of alumina to happen, which can theoretically reduce the electrolysis temperature to the melting point 660?. This research opens a new chapter of production of aluminium and will dramatically reduce the cost of producing aluminium some day. Generally speaking, about 85% of aluminium is used for wrought products which are produced from cast ingots. (8) The structures of alloys are greatly changed by the various working operations and thermal treatments. Each individual class of alloys behaves differently, with composition and structure dictation the working characteristics and subsequent properties that are developed. Casting aluminium alloys are also important parts of Al. Apart from light weight, the special advantages of aluminium alloys for castings are the relatively low melting temperatures, negligible solubility for all gases except hydrogen, and the good surface finish that is usually achieved with final products. Most of the cast alloys also show good fluidity and composition can be selected with solidification range appropriate to particular applications. (1) Casting alloys normally have mechanical properties that are inferior to wrought products and these properties also tend to be much more variable throughout a given component. 2 Study of possible alloy using for producing car body 2.1 Steel At present, low carbon steel sheet is most commonly used in car body production. Low-carbon steel has good machinability. Its strength and rigidity can fully meet the car body strength requirements, as well to meet the body welding requirements. 2.1.1 Low carbon steel Steel with low carbon content has properties similar to iron. Low carbon steel is the steel containing approximately 0.05-0.15% carbon. Content influences the yield strength of steel because it is a BCC structure and carbon atoms fit into the interstitial crystal lattice sites. (3) These carbon atoms reduce the mobility of dislocations. But it has a hardening effect. Because the interstitial carbon atoms cause some of the iron BCC lattice cells to distort, a high enough stress level must be applied in order for the dislocations to move. Low carbon is one of the most common steel and it is relatively cheap than most other steels. However, the strength is relatively lower, which can be seen in appendix. 2.1.2 Higher strength steel In order to reduce the weight of an automobile, it is absolutely essential to reduce the thickness of the sheet steel and compensate for loss of strength by using higher strength steel sheets. For inner panels, though a rather substantial amount of high strength steel is used, the percentage use is a little lower than in the outer panel due to stiffness limitation and insufficient formability. (9) However, the overall use of high strength steel is estimated to increase further more. The problems in press performance of high strength steel are wrinkles, surface deflection and springback, fracture especially in stretch flanging and galling on the forming tool. Until now, the average level of strength used widely is at most 400 MPa but in the near future the high strength steel with over 400 MPa may be used for the reduction of weight and in this case the forming difficulty will increase further more. (5) The thickness of a panel sheet decreases as a result of application of higher stre ngth steel. Many kinds of microstructural hardened high strength steel sheet are applied by automobile producers. Ø Dual phase steel Dual phase steel show lower yield strength compared with other types of steel having the same tensile strength because of mobile dislocations existing in the vicinity of the boundary of ferritic and martensitic phases. So presents low yield ratios. And thats why its elastic recovery after forming work is small and shape fixability is good. As it also shows larger elongation than precipitation hardened steel sheets and fatigue resistance. (3) Ø Trip steel sheet Transformation induced plasticity steel is also becoming an ideal material for car body panels. It has meta-stable austenite transformable into martensite contained up to 30% in bainite or ferrite and bainite matrix. Commercial Trip sheets have simple C-Si-Mn series chemical compositions. The simpler chemical compositions are made viable by stabilizing the austenite phase through distribution of alloy elements in the two phase region and concentration of carbon into austenite during bainite transformation. (4) 2.2 Aluminium-based alloy Pure aluminium cannot be applied to normal passenger car due to softness. Moreover, surface damages during stamping and handling are often subjected to subsequent surface hand finishing. This additional operation on the panel is usually inevitable. In contrast to pure aluminium, aluminium alloys contain solute additions which can markedly affect grain structures and particularly the microstructures within the grains. This in turn strongly influences the responses of alloys to working and heat treatment. Both crystal structure and microstructure influence mechanical properties. Slip is inhibited by grain boundaries, which are disordered regions, (and so small grains improve strength). Slip can also be made difficult by dispersing particles of another phase throughout the matrix. This indicates the typical hardening mechanism of aluminium. (9) There are some kinds of wrought aluminium alloys typically used for car body. 2.2.1 Aluminium Manganese Alloys 3xxx This series of alloys is non heat-treatable. The addition of approximately 1% manganese increases the strength by approximately 10 15% compared with 1200, without any major loss in ductility. This non-heat treatable alloy generally finds a wide application where greater strength is required without any major loss in corrosion. The addition of manganese to the chemical composition creates phases like (Mn,Fe)Al6 or (Mn,Fe)3SiAl12 that can be revealed by a solution of 10% of phosphoric acid. The grain structure obtained by work hardening or by annealing is usually revealed by anodisation. (8) 3103 is typically used for car body in the automobile industry. The composition of 3103 alluminium is 0.7% Fe, 1.5% Mn and some others. 2.2.2 Aluminium Magnesium Alloys 5xxx This series of alloys is non heat-treatable and exhibits the best combination of high strength with resistance to corrosion. This series also exhibits good weldability but when the Mg level exceed 3% there is a tendency for stress corrosion resistance to be reduced, dependent on the temper used and temperature of operation. (1) Magnesium is largely soluble in aluminum compared to the other elements, but the content in excess can appear as eutectic Mg2Al3. After cold rolling and annealing they can be found at the grain boundaries or after cold working they can precipitate on deformation bands. In both cases the structure can be revealed by an etching of 10% H3PO4. At the same time as Cr is a frequent additive in this series, Cr2Mg3Al18 may appear as a fine dispersoid. (8) 5182 can be used as car body panel. The composition of 5182 alluminium is 4.1% Mg, 0.4% Mn and some others. 2.2.3 Aluminium Magnesium Silicon Alloys 6xxx This group of heat-treatable alloys uses a combination of magnesium and silicon (magnesium Silicide) to render it heat-treatable. These alloys find their greatest strength, combined with good corrosion resistance, ease of formability and excellent ability to be anodised. This family takes the main advantages from the strengthening due to the precipitation of Mg2Si. So the etching will reveal the iron rich phases like Fe3SiAl12, Fe2Si2Al9 that are insoluble and the coarse precipitates or the excess soluble precipitates (0.5%HF). (8) Typical alloys 6009 in this group are used for car bodies. The composition of 6009 aluminium is Si 1.1%, Mg 0.6 %, Mn 0.4% and some others. 3 Study of competition between steel and Al Automobiles today are over 63% iron and steel by weight. (10) With rising energy and environmental concerns, as well as increases the performance of the car, vehicle light-weighting continues to be a prominent concern for vehicle manufacturers. At the present, more and more aluminium alloys are introduced to automobile industry because the aluminium alloys can normally meet the requirement but is only half weight of steel. However, both the traditional steel car and aluminium have their advantages or disadvantages on aspects of manufacturing, safety, repairability, cost, recyclability, and environmental protection. 3.1 Manufacturing Aluminium parts can be more complicated in their design because the high number of design solutions likes the castings available in nearly any shape. One casting can replace a complex part consisting of several steel panels. Consequently a reduction of parts up to 50% is feasible. (1) This again makes design, construction and production easier as fewer parts need to be dealt with in any stage of the design and manufacturing process. Aluminium car body has fewer parts lead to fewer tools and fixtures, which makes manufacturing easily and therefore saving working spaces and expenses. Because the sheets can tear easily, low elongation and yield limits of aluminium alloys make it difficult for stamping. This has to be taken into account when designing and building car bodies. Also a higher resilience of the sheets causes difficulties in keeping the tolerances during stamping for individual parts and therefore for the whole car body. (11) Furthermore, it is difficult to keep the body tolerances after welding processes since aluminium extrusions and cast sections behave unpredictably when subjected to uneven heat influence. The heat expansion of aluminium is higher than steel, so all fixtures need to be built more solidly and stable to cope with the higher forces. Extensive pickle treatment is necessary to create a weldable surface for aluminium car body. Also the finish of the surface for the paint shop is costly and requires a lot of time and knowledge since the sheets tend to get scratched more easily than equivalent steel panels and the surface of the sheets is liable to form waves. (12) The 6xxx series of aluminium alloys which has been used a lot for the car body requires heat treatment to achieve the demanded strength. The drying process in the paint shop is not sufficient as the conventional temperatures are not high enough. Hence, an additional heat treatment line needs to be installed to heat the car bodies up to 210Â °C for 30 min to harden the aluminium alloys. (13) This cannot be done in advance of manufacturing as it would influence the welding processes negatively. When using aluminium alloy as car body material, contact corrosion plays a much more crucial role as steel accelerates the corrosion of aluminium than using steel body. So that screws or other parts made of steel need to be coated. Otherwise holes in the car body are unavoidable when exposed to moisture. (7) 3.2 Repairability and safety aspects Nowadays, Crash tests have aroused the publics attention since occupant safety is a feature that is receiving considerable public attention. Automobile companies even promote car safety as a leading aspect in their advertising campaigns. Additionally, insurance companies set great store by repairability of cars as they cause a significant part of their costs. In some countries the expenditure per car for repairing certain types of damage is assessed and taken into account when the car is being classified for insurance. (15) In approximately 5% of all accidents the frame structure of a car is damaged. (2) This can be crucial if casting parts or extrusions are concerned as they cannot be reformed properly. They need to be replaced in sections or as a whole dependent on the severity of the accident. Cast aluminium sections especially are liable to develop cracks and consequently need to be examined carefully. Additionally, a completely different approach to repairing damage forces dealers to train their mechanics in the appropriate techniques. In particular aluminium shielded arc welding requires accuracy, practice and the appropriate equipment but not steel. This becomes a problem especially for small dealers as they cannot afford the necessary equipment or staff. (12) Also, tools must not be mixed up with steel tools to avoid corrosion caused by steel particles in the aluminium panels. A separate set of tools for aluminium is mandatory to fully avoid these effects. (14) However, the properties of aluminium offer several advantages to steel. Tubular aluminium sections crumple in the ideal way when subjected to impacts. They develop a crumple pattern that can absorb more energy than equivalent steel elements. Consequently with half the weight of steel an aluminium structural member provides the same safety. (15) 3.3 Cost It is obvious that aluminium is more expensive to manufacture than steel. The costs of a sophisticated aluminium car body are many times larger than of an ordinary steel body. This can be especially crucial when being applied to small cars as the margin there is lower than at luxury cars. Higher material costs, a more sophisticated handling of aluminium parts in comparison to steel and some alloys need heat treatment to achieve the required strength, are the main drawbacks. (9) However, the use of aluminium causes lower investments for tooling due to the fact that stamped steel parts are replaced by extrusions which cause costs only a fraction of the costs required to manufacture stamping tools. This is especially interesting for low volume series as the tooling costs here have a relatively high influence on the unit costs. Additionally, punch riveting and clinching consume less energy than spot welding and will cause lower energy costs. But the development of high volume technology for welding, riveting and bonding is a crucial issue that has kept car manufacturers from producing all-aluminium car bodies as it is accompanied by high initial investment for research, development and design. (15) 3.4 Recyclability Recycling is likely to become more important in the future as governments force industry to design fully recyclable products just as is an increasing customer awareness in terms of environmental protection and hence a growing demand for eco-friendly products. To preserve the quality of the recycled material the different alloys must not be mixed up. This is especially crucial for the production of extrusions and sheets out of recycling aluminium alloys as they have lower tolerance levels of impurities than steel. Additionally, they can only be recovered if they are not mixed with cast parts. (6) Therefore, joined aluminium alloys panels with different alloys cause problems. Also panels that are joined with steel parts like rivets make recycling problematic since steel parts need to be removed to keep the number of foreign substances low. (6) This becomes more difficult as aluminium cannot be magnetically separated from other wastes. In order to recycle aluminium only a fraction of the original energy consumption is needed, even less than for recycling steel. 3.5 Environmental protection The environmental issues of different materials can be assessed by a comparison of the energy household of an aluminium and steel-made car during production and over their whole lives. Only having regard to all processes that cause energy consumption during production and operating life can an accurate result be given of the eco-friendliness of a car. It includes material cycles and the amounts of energy needed to produce and maintain a car during operating life time, including fuel. (15) If primary material is used, aluminium starts with a drawback of an additional energy consumption during production. Compared with steel, far higher amounts of energy are needed to produce lightweight metals like aluminium. For illustration, a car could achieve a weight reduction of 20 kg by the intensive use of aluminium alloys body other than the steel one. The additional energy consumed could be compensated after 3500 miles. After having covered this distance, the energy comparison works in favour of aluminium. A further comparison can be made in terms of carbon dioxide emissions. If primary aluminium is used it takes 60000 miles until the lighter aluminium auto has compensated the higher CO2 emission during production. However, when the proportion of recycled, secondary aluminium exceeds 75% the CO2 emission household is positive for aluminium from the first instance. (1) 4 Summary Considering the energy and environmental issues, using light weight metal for car bodies will be the trends in the near future. However, the traditional steel products still have the advantage of price and easy for manufacturing. Apart from luxuries cars already using light metal bodies, steel car bodies still take a large part of auto body market for it cheaper price and relatively better mechanical properties.

Discuss how the following stories from the gothic tradition create suspense and which is the more successful? Essay

The short story is an ideal form for writers who want to create a sense of terror or horror. Discuss how the following stories from the gothic tradition create suspense and which is the more successful? The first gothic Novel was written by Horace Walpole and was called ‘The Castle of Otrando.’ It was written in 1764 and after this gothic literacy exploded and became very popular. The imaginative stories often lacked any real worth but were published world wide to satisfy the public. They were bought by a lot of young women. The excitement and fantasy of the stories added interest to the otherwise boring lives of these Victorian women. The main features of Gothic stories are ruined buildings and graveyards, a foreign setting, a solitary character, a persecuted heroine, mysterious disappearances and supernatural occurrences, insanity, sexuality, pathetic fallacy, exaggerating language, multiple narrators and a use of horror or horror. Stories usually contain quite a few of these but not all of them. These ideas were wild and exotic to the Victorian people. Many had never travelled abroad and insanity was a major fear during these times. Gothic short stories use horror or horror to frighten the audience and keep them reading. Horror and horror are both related to fright but they are different things. Horror is more a build up of fear and usually only hints at alarming things and lets you imagination do the rest until you are terrified of what is going to happen. Horror is about what you have seen and can relate to a past experience you have seen. Horror is more shocking and is what you can see at that moment. Both lead to a different effect in gothic short stories. The first of the stories I am considering is ‘The Madman’s Manuscript,’ by Charles Dickens. The story is written in the form of an embedded narrative. The man, Mr Pickman, cannot sleep and he reads the tale of a madman in an asylum. The horror of the story already begins to build as the ‘strange handwriting,’ and ‘soiled and blotted,’ paper is described. This gives you a sense that there is something not right about this man. Mr Pickmans fear is obvious as the title ‘gave him a sudden start.’ During the Victorian ages, when this story was written, people had a fascination with insanity as there was no cure and it was dangerous and unpredictable. This story takes advantage of the fear. The manuscript becomes hysterical and this plays on the idea of insanity making you lose control. The opening word,’ yes- a madman’s!’ builds the horror as you are aware of this mans condition. The words in the first paragraph, like ‘roused the horror,’ ‘blood hissing and tingling through my veins,’ ‘my knees knocked together with fright,’ and ‘the glare of a madman’s eye,’ emphasise the tone and describe the madman’s fear of insanity and increase the tension as you begin to feel his fright. The tone of the story changes as in the second paragraph, as the man’s past is described. He is from a family of insanity and he fears throughout his lie that he shall also become insane. ‘I knew that madness was mixed up with my very blood, and the marrow of my bones.’ Words like ‘cowered, screamed and crouched,’ help you experience this mans visions and fears and increase the tension as you realize he is turning mad and it is only a matter of time. As the dreaded madness finally comes upon our main character, the tone changes again as the madman is happy about his freedom from the fear, ‘at last it came upon me, and I wondered how I could ever have feared it.’ He describes how happy his life is as he hides his insanity and enjoys life. He fears his friends finding out his secret but finds it amusing ‘to think how pale he (his friend) would have turned, and how fast he would have run, if he had known that the dear friend†¦ was a madman with all the power.’ The madman felt in control of his life at this point and ‘it was a merry life!’ He becomes rich and continues to hide his insanity from the world as he wishes to marry a beautiful young woman. He is not pleased with the fact that the girl, who he marries, does not love him and wishes to be with another man, she is typical of a gothic story as she is beautiful, helpless and persecuted but as we are not really given any ideas of her character or her name, it is hard to sympathise with her. When the madman discovers his wife’s true feelings his is driven to pity ‘the wretched life to which her cold and selfish relations had doomed her,’ and we begin to fear for the girl as he talks about her death. He fears her giving birth ‘to some ill-fated being, destined to hand down madness to its offspring.’ The final line of this paragraph shocks us as he ‘resolved to kill her.’ He talks about the many ways in which he wants to kill his wife and we fear for her safety and the viciousness of the madman as he discussed the many cruel ways of killing her like poison, drowning or fire. The attempted killing of the girl is described in great detail as it builds the horror and tension of the scene. The man is also cunning as when she awakes and begins to scream he hides his insanity and instead lets the house believe it is she who is mad. The horror increases in the story as the mans insanity increases and he goes ‘into the open fields†¦ and laughed till the air resounded with my shouts.’ The girl dies the next day and he pretends to mourn his loss even though he had killed her. The man becomes restless and he ‘felt that before long my secret must be known.’ The horror of what he will do next returns. This is increased as he describes his struggle as, ‘I ground my teeth, and struck my feet upon the floor, and drove my nails into my hands. I kept it down.’ When the man’s brother-in-law visits him and he kills him, his secret is found out and the man is locked up in an asylum. The description of the ‘grey cell where the sunlight seldom comes,’ adds to the horror of the story as the place is described as a prison and many people would fear turning mad like this man and ending up in this horrible place. The note at the end speaks about how perhaps the man was driven mad by the fear of insanity, rather than it being inherited. The sensationalist language throughout the piece adds to the horror as the situation is exaggerated and seems worse than it is. The second story is ‘Strange Events in the Life of Schalken the Painter,’ by J.S. Le Fanu. This story focuses more on terror as we do not discover what happens to our heroine during her marriage. The foreign setting of Holland made the story more exciting to the Victorian readers as this was a strange, exotic place where they had never been. The story is again set in the embedded narrative. The narrator heard the story of Schalken after he saw a painting by him in the house of Captain Vandal, a man he once visited. The story is told to the man by the Captain. Schalken is a young man working for Gerard Douw. He worked hard for his master as he was in love with Douw’s niece, Rose Velderkaust. Schalken was ‘a poor man,’ and his love for Rose makes us feel sympathy for him. He works hard for her and we want him to be rewarded for his hard work with her hand in marriage. The scene is set for the arrival of the mysterious stranger. The silence and darkness gives an eerie and sinister atmosphere. The ‘short, sudden laugh,’ breaks this atmosphere and the terror at what it could be builds. The dark description of the mysterious man and the fact that the man’s face is not seen makes the man peculiar and we wonder who he could be. As the man disappears and cannot be seen walking away from the building, it is suggested that this man could be supernatural. When the man reappears the next day, his strange image is continued. He gives Schalken some jewellery to be valued and his wealth is shown. He asks Douw if he can have Rose’s hand in marriage and the painter accepts. The stranger keeps his face hidden and words like ‘mysterious,’ and ‘unexpected,’ build terror as we don’t know who this man is. When we finally hear the description of the man, it is gruesome. His face is ‘coloured with the bluish leaden hue,’ and he has ‘two lone, discoloured fangs.’ This gives us the impression he is a vampire and there is something paranormal about him. Rose’s shock and fright at the man adds to the terror as the reader knows she must marry him. Rose is forced to marry the cruel and ugly man. She then seems to disappear and although Gerard Douw tries to search for her and her husband, he cannot find them. The mystery of this adds to the terror of the story. One night Rose rushes into the room and her typical gothic heroine image is gone. She is no longer beautiful and virginal but ‘wild and haggard.’ er The The shock of Douw and Shalken is obvious and we are terrified at the state of the girl. She is described in a way that makes her seem almost insane, which would petrify the Victorian public. She demands not to be left alone and says ‘I am lost forever if you do!’ The almost supernatural occurrence if a shadowy figure adds to the terror as you are unsure why the girl is in a panic and what is happening. When the clergyman arrives he is unsympathetic and you fear all hope is lost for the girl. As Douw leaves to get another candle the girl screams for him not to leave but it is too late. The door swings shut and they could not get it open again. The girl shrieks. This story is more terrifying than ‘The Madman’s Manuscript,’ as there is no description of the girl’s death and you are left to imagine what is happening to her. The shrieks stop and a ‘light step is heard crossing the floor, as if from the bed to the window,’ and we think perhaps Rose has escaped but ‘no trace of Rose was ever found.’ The mystery of her death leaves you wondering where she is and if she survived. The final part of the story is set years ahead of the rest of the story and we are given the sense that Schalken never forgot Rose. Schalken has a vision about Rose and her husband and it again we feel there is something supernatural about the story. There are no explanations given for the disappearance or his vision and it lets you imagine what you think has happened. Both stories create tension and suspense. ‘The Madman’s manuscript,’ creates horror and is more visual than ‘Strange events in the life of Schalken the Painter,’ but it is not successful in maintaining suspense. The story is very extravagant and it is difficult to sympathise with the characters. The suspense is built up in ‘Strange events in the life of Schalken the Painter,’ as it is mysterious with strange characters and Schalken, the hero with whom we can easily sympathise. The sense of something supernatural makes the story seem even more exotic and unrealistic and the use of terror makes the story more enjoyable, in my opinion, as you use your imagination to think about what has happened to the characters. For these reasons, I feel ‘Strange events in the life of Schalken the Painter,’ uses terror better than ‘The Madman’s manuscript.’

The Ultimate Solution for Samples of Reflctive Essay in Nursing

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Reduce The Cost Of External Financing Finance Essay - Free Essay Example

Sample details Pages: 3 Words: 974 Downloads: 1 Date added: 2017/06/26 Category Finance Essay Type Narrative essay Did you like this example? The main objective of working capital management is to conserve an optimal balance among each of the working capital contraption. Business success heavily depends on the financial executives capability to efficiently manage receivables and loans, account, and payables (Filbeck and Krueger, 2005). Firms can diminish their bankrolling costs and raise the funds available for development projects by reducing the amount of speculation tied up in current assets. Don’t waste time! Our writers will create an original "Reduce The Cost Of External Financing Finance Essay" essay for you Create order Van Horne (1995) explains that, working capital management is the administration of current assets in the name of cash, merchantable securities, receivables and staff loans, and inventories. Osisioma (1997) recognized that good working capital management must guarantee an suitable relationship between the different mechanisms of a firms working capital so as to make an efficient mix, which will guarantee capital acceptability. Thus, working capital management should make sure that the necessary amounts of each element of the working capital are available for management. However, the question is What controls the necessary workings of a bank are working capital and how much of such necessary components can be observed as acceptable or desirable? The necessary mechanisms of an establishments working capital, basically, depend on the type of business and industry. Cash, debtors, receivables, accounts, marketable securities, and redeemable futures can be predictable as the mutual comp onents of organizations working capital. However, the question is to recognize the factors that regulate the capability of working capital based on growth, size, operating cash flow, etc. The incapability to understand the influential factors and dimension of passable amounts of working capital will main an association to bankruptcy. Determination of cash level of Bank: Among the key factors which inspiration level of cash situation of firms comprise but not incomplete to leverage, firm size, growth occasions, efficiency of firms, firm productivity, age, previous level of cash and firm risk. (Kim et al., 1998; Ferreira and Vilela, 2004; Ozkan 2004) establish a discount in cash levels when firms raise their financial influence. This may be because the advanced the financial leverage, the higher the budgets of the funds used to advance in liquid assets (Baskin, 1987). According John (1993) maintains, firms that can access the debt market can alternative to providing as a additional for liquid assets. Size is another momentous variable that affects cash holdings. The traditional models to determine the optimal cash levels (Baumol, 1952; Miller and Orr, 1966), or more recent models such as that of Mulligan (1997), demonstrate that there are economies of scale associated with the cash levels required to confront the normal transactions of the firm, so that larger firms can keep lower cash holdings. Moreover, firm size is related to another set of factors that may influence liquidity levels. More specifically, smaller firms suffer more severe information asymmetries (Berger, Klapper and Udell, 2001), more financial constraints (Fazzari and Petersen, 1993) and they are more likely to suffer financial distress (Rajan and Zingales, 1995). Also, financial distress is related with high fixed costs and these costs are consistently better for minor firms. Therefore, we would imagine a adverse relation between firm size and cash properties. Growth opportunity: The existence of growth opportunities in firms is an important factor that affects cash levels, as has been shown in various empirical studies (Kim et al., 1998; Opler et al., 1999; Ferreira and Vilela, 2004; Ozkan and Ozkan, 2004). As Myers and Majluf (1984) point out, firms whose value is largely determined by their growth opportunities have larger information asymmetry. Consequently, firms with greater growth opportunities incur higher external financing costs. They also suffer more serious agency conflicts associated with the debt, which can lead to underinvestment (Myers, 1977), insofar as it discourages shareholders from embarking on profitable projects. On the other hand, firms with more growth opportunities may also incur greater costs of financial distress (Harris and Raviv, 1990; Shleifer and Vishny, 1992). This is because their value depends on their growth opportunities rather than on tangible assets or specific cash flows. Thus, this type of firm will keep higher cash levels to avoid costs of financial distress. In this respect, John (1993) finds that firms with good growth opportunities but few tangible assets tend to keep higher cash holdings. Hence we might expect firms with more investment opportunities to keep higher liquidity levels, in order not to limit or cancel their profitable investment projects. Their value depends on carrying out these projects, so that the cost of not having sufficient cash to make the investments is higher. This notwithstanding where firms have projects on-going their levels of cash may dwindle as more of their cash are put into investment projects. Thus age and bank growth (measured as change in interest income) are used as proxies for firm growth. Profitability: Profit is a source of cash flow for firms. The amount of profit made by a firm is either retained for funding future investment opportunities or distributed to shareholders as dividend. Even though the amount of profit made in a particular year by a firm does not automatically translate into exactly the same amount of cash, it is unlikely that less profitable firms would have more cash flows than highly profitable firms, all other things being equal. Therefore, profitable firms are expected to have more cash than less profitable firms. Risk: Firms that are risky tend to use cash holding as buffer against future uncertainties. Guney et al. (2007) contend that firms with more volatile cash flows are expected to hold more cash in an attempt to mitigate the expected costs of liquidity constraints. After short falling of liquid asset, when firms have valuable growth opportunities, then these opportunities are given up and firm value will drop. Minton and Schrand (1999) find that firms with higher volatile cash flow permanently forgo investment rather than reacting to cash flow shortfalls by changing the discretionary investment timing. Again, firms that hold a lot of debt are considered to be more risky than others. In order to manage working capital efficiently, there is the need that financial