The Greatest Gift Of Life Is Friendship - 1382 Words

Throughout my life, many people try to figure out who I really am, when I didn’t even know who I was. There is one person who knows who I really am and that is my best friend, Danny. Friendship is a special love. As we all know finding a true friend is always hard. So when one is found, it is important to hang on tight. The greatest gift of life is friendship, and I have received it. I will be remembered for being confident, strong, and a girl that had all the answers. No one had fully ever understood me or my actions, I was constantly on the move, keeping myself busy with any task or activity I could get my hands on, and I never told anyone the entire truth to why that was. My appearance to always seeming like I had confidence, being strong, and having all the answers to any questions could be imputed to one prevailing time period, but was separated into hundreds of different memories of my past, each with their cause and effect. However, it started with two substantial hits , both with afflicting me in my teenage years. I have the best friend that anyone could wish for; Danny, a lovely human being whom I’ve devoted being with and caring for. With my best friend by my side, I am a truly happy teenager with the entire world at my fingertips. I was intelligent and quite cute, with my black curls and big dark brown eyes. This deceived a lot of people, I was a well-behaved child. I would participate in class, do my homework, share just enough about myself that no otherShow MoreRelatedMy Perfect Life Essay763 Words   |  4 PagesMany people think having a perfect life is having a lot of money, doing whatever you want, and having everything you ever wanted. But in my mind, that isn’t the perfect life. The perfect life to me is living life to the fullest creating memories you won’t forget and creating friendships that last forever. Many people think that when something bad happens in life it is the devil trying to get to you, but you have to use that to motivate yourself to be the greatest you can be. Now here are some of myRead MoreLennie Essay On Friendship989 Words   |  4 PagesFriendship Hurts Friendship: it can’t be bought, nor can it be found—it is something that is earned. Some friendships last days, weeks, years, even lifetimes. A friend is someone who gives a person the freedom to be who they rightfully are. No doubt, life is simply more pleasant with friends as some speculate. But what if the friendship was no longer the childhood bond that it used to be? John Steinbeck exposes the painful struggle of friendship in his petite novella Of Mice and Men with GeorgeRead MoreAnalysis Of The Book Alix 872 Words   |  4 Pageshad a lot in common and they would always mess around in class. Alix was one of Jasmine’s closest friends whom she could trust completely. Even though they did not grow up together, they shared some of the greatest memories. Friends are very important towards one’s life. Without friends, life would be incomplete. Friends have many qualities that are alike. Their interests, likes, and dislikes are generally common. The bond that friends share is very special and unique. At a younger age, we comeRead MoreLiterary Criticism In To Kill A Mockingbird And A Separate Peace By Harper Lee1506 Words   |  7 Pageswork. Both novels display similarities when they incorporate a tree as a symbol of friendship, the child archetype and the loss of innocence. The tree as a symbol for commanderie is exemplified by both novels. Friendship is symbolized through the tree in To Kill A Mockingbird, when Boo Radley presents gifts to the children, having them pull â€Å"out two†¦ almost perfect miniatures of two children†¦Ã¢â‚¬  (Lee 67). Friendship is exemplified by the tree because it allowed for the children to connect with BooRead MoreFriendship Idiom1516 Words   |  7 PagesFriendship â€Å"A true friend is someone who thinks that you are a good egg even though he knows that you are slightly cracked.† –Bernard Meltzer A friend is one who knows us, but loves us anyway. – Fr. Jerome Cumnings Remember, the greatest gift is not found in a store nor under a tree, but in the hearts of true friends. –Cindy Lee Who finds a faithful friends, finds a treasure. – Jewish Saying â€Å"Your friend is the man who knows all about you, and still likes you† –Elbert Hubbard What is a friendRead MoreEssay on Friendship for Women and for Men755 Words   |  4 Pagesopinions on the new administration and forming great friendship that may well impact the future of the whole country. History has witnessed some of the greatest friendship between men. As a result, their friendships have been idealized as the embodiment of bravery and loyalty. In comparison, those cozy nights girls spends wrapped in the bonding of sisterhood seems both trivia and naà ¯ve. Although these stereotypes about men’s or women’s friendship are not completely true, there is no doubt that significantRead MoreHow Important Are Friend and Family?1260 Words   |  6 PagesHow Important Are Friends and Family? Do you know what really matters in life? It is a question that many have asked, and many have answered. The answers offered to this question have been varied and variegated, but there are a few that consistently bubble to the surface. Two of those are â€Å"friends† and â€Å"family.† With so many people offering those two answers time and again, it would be unwise to discount them outright. However, what most people mean when they say â€Å"friends† or â€Å"family† may not beRead MoreMy Childhood Friends1058 Words   |  5 Pagesis different, and the type of people I hang around evolve over time. My childhood friends are important and continue to play a role in my life but overall, my friends in high school are more important to me and I consider all of them friends for life. Entering the third grade, my first day of school in Alexandria went surprisingly well. I formed many friendships and quickly found a group of friends I considered worthy of my time. My new group of friends accepted me and I accepted them, creating aRead MoreThe Greatest Gift Of Life998 Words   |  4 PagesThroughout my life, many people try to figure out who I really am; when I didn’t even know who I was. There is one person who knows who I really am and that is my best friend, Danny. Friendship is a special love. As we all know finding a true friend is always hard. So when one is found, it is important to hang on tight. The greatest gift of life is friendship, and I have received it. I will be remembered for being confident, strong, and a girl that had all the answers. No one had fully ever understoodRead MoreThe Lewis And His Influence On The Church Today1280 Words   |  6 Pageswritings and ideas have played an incredible influence on the Church today. Lewis served as a professor at Oxford university as well as an army officer during the First World War (BBC). Throughout his life, Lewis understood the importance of friendship through significant relationships within his own life. His mother died when he was ten, which caused him to grow closer to his older brother Warren. In college, Lewis connected particularly to a friend named Arthur Greeves over their mutual love for Nordic

A Film “Glory Road”, Based On A True Story Features A Coach,

A film â€Å"Glory Road†, based on a true story features a coach, Don Haskins, who is a basketball coach for the Western Texas Miners. The movie takes place in 1965, Haskin is going against the society’s standards of leading African Americans players to play basketball in college. At the beginning of the movie, Don Haskin struggles to build a good basketball team because no players want to play at a no name school. He doesn’t care about skin color like the society does, but instead, he wants to recruit good players and he looked around for African-American basketball players because he wants to win the NCAA finals and he knew they wouldn t get recruited and he had limited scholarship offers. In one scene, Haskins is being interviewed by a†¦show more content†¦Haskin’s team was the first team in history to have an all black starting lineup. In the middle of the movie, Haskin’s team is traveling to play in the NCAA tournament. At the airport, he is stopped by a reporter and he asks why he is playing so many African American players. He says, â€Å"you re playing a lot of color boys, are you concern whether the Negro players can handle the pressure at the national level? The reporter is implying how a team with mostly only African American players can’t win the championship. In addition, he asked if they are smart enough to handle the mental strain they’ll face in the tournament. Haskin looks displease when the reporter asked him this question. He answered this question, saying his team is just the same as any other team in the league. By asking the question if the African American can handle at the national level, demonstrates they are not smart enough to handle the mental strains. The African American athletes were only shown for their physique because they were only capable of playing great baske tball. Coach Haskin didn’t care if they were smart, he was determined to win the championship and wanted raw talents. The African American were tools to win the championship. The interviewer may see them as physically fit, but not mentally strong to handle the tournament. In the same scene, Haskin talks to the Kentucky coach. He has the best team in the nation and is expected to win the championship. The KentuckyShow MoreRelatedMetz Film Language a Semiotics of the Cinema PDF100902 Words   |  316 PagesFILM LANGUAGE FILM LANGUAGE A Semiotics of the Cinema Christian Metz Translated by Michael Taylor The University of Chicago Press Published by arrangement with Oxford University Press, Inc. The University of Chicago Press, Chicago 60637  © 1974 by Oxford University Press, Inc. All rights reserved. English translation. 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The Secret Circle The Initiation Chapter Three Free Essays

string(69) " about to deliver bad news and having a hard time finding the words\." An instant later Cassie came out of her daze. She’d better get moving; Logan and Jordan might be coming back any second. And if they realized she’d deliberately lied to them†¦ Cassie winced as she scrambled up the sloping dune. We will write a custom essay sample on The Secret Circle: The Initiation Chapter Three or any similar topic only for you Order Now The world around her seemed ordinary again, no longer full of magic and mystery. It was as if she’d been moving in a dream, and now she’d woken up. What had she been thinking? Some nonsense about silver cords and destiny and a guy who wasn’t like any other guy. But that was all ridiculous. The stone in her hand was just a stone. And words were just words. Even that boy†¦ Of course there was no way he could have heard her thoughts. No one could do that; there had to be a rational explanation†¦ She tightened her grip on the little piece of rock in her palm. Her hand was still tingling where he’d held it, and the skin he’d touched with his fingertips felt different from any other part of her body. She thought that no matter what happened to her in the future, she would always feel his touch. Once inside the summer cottage she and her mother rented, she locked the front door behind her. Then she paused. She could hear her mother’s voice from the kitchen, and from the sound of it she could tell something was wrong. Mrs. Blake was on the phone, her back to the doorway, her head slightly bowed as she clutched the receiver to her ear. As always, Cassie was struck by the willow slimness of her mother’s figure. With that and the fall of long, dark hair worn simply clasped at the back of her neck, Mrs. Blake could have been a teenager herself. It made Cassie feel protective toward her. In fact, sometimes she almost felt as if she were the mother and her mother the child. And just now it made her decide not to interrupt her mother’s conversation. Mrs. Blake was upset, and at intervals she said â€Å"Yes† or â€Å"I know† into the mouthpiece in a voice full of strain. Cassie turned and went to her bedroom. She wandered over to the window and looked out, wondering vaguely what was going on with her mother. But she couldn’t keep her mind on anything but the boy on the beach. Even if Portia knew his name, she would never tell, Cassie was sure of that. But without his name, how would Cassie ever find him again? She wouldn’t. That was the brutal truth, and she might as well face it right now. Even if she did find out his name, she wasn’t the sort to chase after a boy. She wouldn’t know how. â€Å"And in one week I’m going home,† she whispered. For the first time these words didn’t bring a surge of comfort and hope. She put the rough little piece of chalcedony down on the night-stand, with a sort of final clink. â€Å"Cassie? Did you say something?† Cassie turned quickly to see her mother in the doorway. â€Å"Mom! I didn’t know you were off the phone.† When her mother continued to look at her inquiringly, she added, â€Å"I was just thinking out loud. I was saying that we’ll be going home next week.† An odd expression crossed her mother’s face, like a flash of repressed pain. Her large black eyes had dark circles under them and wandered nervously around the room. â€Å"Mom, what’s wrong?† said Cassie. â€Å"I was just talking with your grandmother. You remember how I was planning for us to drive up and see her sometime next week?† Cassie remembered very well. She’d told Portia she and her mother were going to drive up the coast, and Portia had snapped that it wasn’t called the coast here. From Boston down to the Cape it was the south shore, and from Boston up to New Hampshire it was the north shore, and if you were going to Maine it was down east, and anyway, where did her grandmother live? And Cassie hadn’t been able to answer because her mother had never told her the name of the town. â€Å"Yes,† she said. â€Å"I remember.† â€Å"I just got off the phone with her. She’s old, Cassie, and she’s not doing very well. It’s worse than I realized.† â€Å"Oh, Mom. I’m sorry.† Cassie had never met her grandmother, never even seen a picture of her, but she still felt awful. Her mother and grandmother had been estranged for years, since Cassie had been born. It was something about her mother leaving home, but that was all her mother would ever say about it. In the past few years, though, there had been some letters exchanged, and Cassie thought that underneath they still loved each other. She hoped they did, anyway, and she’d been looking forward to seeing her grandmother for the first time. â€Å"I’m really sorry, Mom,† she said now. â€Å"Is she going to be okay?† â€Å"I don’t know. She’s all by herself in that big house and she’s lonely†¦ and now with this phlebitis it’s hard for her to get around some days.† The sunshine fell in strips of light and shadow across her mother’s face. She spoke quietly but almost stiltedly, as if she were holding some strong emotion back with difficulty. â€Å"Cassie, your grandmother and I have had our problems, but we’re still family, and she hasn’t got anyone else. It’s time we buried our differences.† Her mother had never spoken so freely about the estrangement before. â€Å"What was it all about, Mom?† â€Å"It doesn’t matter now. She wanted me to – follow a path I didn’t want to follow. She thought she was doing the right thing†¦ and now she’s all alone and she needs help.† Dismay whispered through Cassie. Concern for the grandmother she’d never met – and something else. A trickle of alarm started by the look on her mother’s face, which was that of someone about to deliver bad news and having a hard time finding the words. You read "The Secret Circle: The Initiation Chapter Three" in category "Essay examples" â€Å"Cassie, I’ve thought a lot about this, and there’s only one thing for us to do. And I’m sorry, because it will mean such a disruption of your life, and it will be so hard on you†¦ but you’re young. You’ll adapt. I know you will.† A twinge of panic shot through Cassie. â€Å"Mom, it’s all right,† she said quickly. â€Å"You stay here and do what you need to. I can get ready for school by myself. It’ll be easy; Beth and Mrs. Freeman will help me – † Cassie’s mother was shaking her head, and suddenly Cassie felt she had to go on, to cover everything in a rush of words. â€Å"I don’t need that many new school clothes†¦Ã¢â‚¬  â€Å"Cassie, I’m so sorry. I need you to try and understand, sweetheart, and to be adult about this. I know you’ll miss your friends. But we’ve both got to try to make the best of things.† Her mother’s eyes were fixed on the window, as if she couldn’t bear to look at Cassie. Cassie went very still. â€Å"Mom, what are you trying to say?† â€Å"I’m saying we’re not going home, or at least not back to Reseda. We’re going to my home, to move in with your grandmother. She needs us. We’re going to stay here.† Cassie felt nothing but a dazed numbness. She could only say stupidly, as if this were what mattered, â€Å"Where’s ‘here’? Where does Grandma live?† For the first time her mother turned from the window. Her eyes seemed bigger and darker than Cassie had ever seen them before. â€Å"New Salem,† she said quietly. â€Å"The town is called New Salem.† Hours later, Cassie was still sitting by the window, staring blankly. Her mind was running in helpless, useless circles. To stay here†¦ to stay in New England†¦ An electric shock ran through her. Him. I knew we’d see him again, something inside her proclaimed, and it was glad. But it was only one voice and there were many others, all speaking at once. To stay. Not going home. And what difference does it make if the guy is here in Massachusetts somewhere? You don’t know his name or where he lives. You’ll never find him again. But there’s a chance, she thought desperately. And the voice deepest inside, the one that had been glad before, whispered: More than a chance. It’s your fate. Fate! the other voices scoffed. Don’t be ridiculous! It’s your fate to spend your junior year in New England, that’s all. Where you don’t know anyone. Where you’ll be alone. Alone, alone, alone, all the other voices agreed. The deep voice was crushed and disappeared. Cassie felt any hope of seeing the red-haired boy again slip away from her. What she was left with was despair. I won’t even get to say good-bye to my friends at home, she thought. She’d begged her mother for the chance to go back, just to say good-bye. But Mrs. Blake had said there was no money and no time. Their airline tickets would be cashed in. All their things would be shipped to Cassie’s grandmother’s house by a friend of her mother’s. â€Å"If you went back,† her mother had said gently, â€Å"you’d only feel worse about leaving again. This way at least it will be a clean break. And you can see your friends next summer.† Next summer? Next summer was a hundred years away. Cassie thought of her friends: good-natured Beth and quiet Clover, and Miriam the class wit. Add to that shy and dreamy Cassie and you had their group. So maybe they weren’t the in-crowd, but they had fun and they’d stuck together since elementary school. How would she get along without them until next summer? But her mother’s voice had been so soft and distracted, and her eyes had wandered around the room in such a vague, preoccupied way, that Cassie hadn’t had the heart to rant and rave the way she would have liked. In fact, for an instant Cassie had wanted to go to her mother and throw her arms around her and tell her everything would be all right. But she couldn’t. The small, hot coal of resentment burning in her chest wouldn’t let her. However worried her mother might be, she didn’t have to face the prospect of going to a strange new school in a state three thousand miles from where she belonged. Cassie did. New hallways, new lockers, new classrooms, new desks, she thought. New faces instead of the friends she’d known since junior high. Oh, it couldn’t be true. Cassie hadn’t screamed at her mother this afternoon, and she hadn’t hugged her, either. She had just silently turned away to the window, and this was where she’d been sitting ever since, while the light slowly faded and the sky turned first salmon pink and then violet and then black. It was a long time before she went to bed. And it was only then that she realized she’d forgotten all about the chalcedony lucky piece. She reached out and took it from the nightstand and slipped it under her pillow. Portia stopped by as Cassie and her mother were loading the rental car. â€Å"Going home?† she said. Cassie gave her tote bag a final push to squeeze it into the trunk. She had just realized she didn’t want Portia to find out she was staying in New England. She couldn’t stand to have Portia know of her unhappiness; it would give Portia a kind of triumph over her. When she looked up, she had her best attempt at a pleasant smile in place. â€Å"Yes,† she said, and flicked a quick glance over to where her mother was leaning in the driver’s-side door, arranging things in the backseat. â€Å"I thought you were staying until the end of next week.† â€Å"We changed our minds.† She looked into Portia’s hazel eyes and was startled by the coldness there. â€Å"Not that I didn’t have a good time. It’s been fun,† Cassie added, hastily and foolishly. Portia shook straw-colored hair off her forehead. â€Å"Maybe you’d better stay out west from now on,† she said. â€Å"Around here, we don’t like liars.† Cassie opened her mouth and then shut it again, cheeks flaming. So they did know about her deception on the beach. This was the time for one of those devastatingly witty remarks that she thought of at night to say to Portia – and, of course, she couldn’t summon up a word. She pressed her lips together. â€Å"Have a nice trip,† Portia concluded, and with one last cold glance, she turned away. â€Å"Portia!† Cassie’s stomach was in a knot of tension, embarrassment, and anger, but she couldn’t let this chance go. â€Å"Before I leave, will you just tell me one thing?† â€Å"What?† â€Å"It can’t make any difference now – and I just wanted to know†¦ I just wondered†¦ if you knew his name.† â€Å"Whose name?† Cassie felt a new wave of blood in her cheeks, but she went on doggedly. â€Å"His name. The red-haired guy. The one on the beach.† Those hazel eyes didn’t waver. They went on staring straight into Cassie’s, the pupils contracted to mean little dots. Looking into those eyes, Cassie knew there was no hope. She was right. â€Å"What red-haired guy on the beach?† Portia said distinctly and levelly, and then she turned on her heel again and left. This time Cassie let her go. Green. That’s what Cassie noticed on the drive north from the Cape. There was a forest growing on either side of the highway. In California you had to go to a national park to see trees this tall†¦ â€Å"Those are sugar maples,† her mother said with forced cheerfulness as Cassie turned her head slightly to follow a stand of particularly graceful trees. â€Å"And those shorter ones are red maple. They’ll turn red in the fall – a beautiful glowing, sunset red. Just wait until you see them.† Cassie didn’t answer. She didn’t want to see the trees in the fall because she didn’t want to be here. They passed through Boston and drove up the coast – up the north shore, Cassie corrected herself fiercely – and Cassie watched quaint little towns and wharves and rocky beaches slip by. She suspected they were taking the scenic route, and she felt resentment boil up in her chest. Why couldn’t they just get there and get it over with? â€Å"Isn’t there a faster way?† she said, opening the glove compartment and pulling out a map supplied by the car rental company. â€Å"Why don’t we take Route 1? Or Interstate 95?† Her mother kept her eyes on the road. â€Å"It’s been a long time since I drove up here, Cassie. This is the way I know.† â€Å"But if you cut over here at Salem†¦Ã¢â‚¬  Cassie watched the exit go by. â€Å"Okay, don’t,† she said. Of all places in Massachusetts, Salem was the only one she could think of that she wanted to see. Its macabre history appealed to her mood right now. â€Å"That’s where they burned the witches, isn’t it?† she said. â€Å"Is New Salem named for it? Did they burn witches there, too?† â€Å"They didn’t burn anyone; they hanged them. And they weren’t witches. Just innocent people who happened to be disliked by their neighbors.† Her mother’s voice was tired and patient. â€Å"And Salem was a common name in colonial times; it comes from ‘Jerusalem.’ â€Å" The map was blurring before Cassie’s eyes. â€Å"Where is this town, anyway? It’s not even listed,† she said. There was a brief silence before her mother replied. â€Å"It’s a small town; quite often it’s not shown on maps. But as a matter of fact, it’s on an island.† â€Å"An island?† â€Å"Don’t worry. There’s a bridge to the mainland.† But all Cassie could think was, An island. I’m going to live on an island. In a town that isn’t even on the map. The road was unmarked. Mrs. Blake turned down it and the car crossed the bridge, and then they were on the island. Cassie had expected it to be tiny, and her spirits lifted a little when she saw that it wasn’t. There were regular stores, not just tourist shops, clustered together in what must be the center of town. There was a Dunkin’ Donuts and an International House of Pancakes with a banner proclaiming grand opening. In front of it there was someone dressed up like a giant pancake, dancing. Cassie felt the knot in her stomach loosen. Any town with a dancing pancake couldn’t be all bad, could it? But then her mother turned onto another road that rose and got lonelier and lonelier as the town fell behind. They must be going to the ultimate point of the headland, Cassie realized. She could see it, the sun glinting red off the windows on a group of houses at the top of a bluff. She watched them get closer, at first uneasily, then anxiously, and finally with sick dismay. Because they were old. Terrifyingly old, not just quaint or gracefully aged, but ancient. And although some were in good repair, others looked as if they might fall over in a crash of splintering timbers any minute. Please let it be that one, Cassie thought, fixing her eyes on a pretty yellow house with several towers and bay windows. But her mother drove by it without slowing. And by the next and the next. And then there was only one house left, the last house on the bluff, and the car was heading toward it. Heartsick, Cassie stared at it as they approached. It was shaped like a thick upside-down T, with one wing facing the road and one wing sticking straight out the back. As they came around the side Cassie could see that the back wing looked nothing like the front. It had a steeply sloping roof and small, irregularly placed windows made of tiny, diamond-shaped panes of glass. It wasn’t even painted, just covered with weathered gray clapboard siding. The front wing had been painted†¦ once. Now what was left was peeling off in strips. The two chimneys looked crumbling and unstable, and the entire slate roof seemed to sag. The windows were regularly placed across the front, but most looked as if they hadn’t been washed in ages. Cassie stared wordlessly. She had never seen a more depressing house in her life. This couldn’t be the one. â€Å"Well,† said her mother, in that tone of forced cheerfulness, as she turned into a gravel driveway, â€Å"this is it, the house I grew up in. We’re home.† Cassie couldn’t speak. The bubble of horror and fury and resentment inside her was swelling bigger and bigger until she thought it would explode. How to cite The Secret Circle: The Initiation Chapter Three, Essay examples

Anaysis of Collection House Limited

Question: Analysis of Collection House Limited. Answer: Executive summary The company chosen for review is Collection house limited which have been mainly engaged in the business of debt collection service as well as management of receivables throughout the Australasia. Also it has been seen that they purchase debt as required by the subsidiary Lion finance pity Ltd. They have separate segment in regard to the collection services which is specifically in respect of the commissions which earned due to providing of various services such as debt collection by them on behalf of client and also the purchase debt ledger segments have been acquired by three groups in regard to the collection of the debt for the clients. In summarising, it can be said that the Collection house limited provide various services like receivable management, debt collection, debt purchasing, collection services credit management services, legal services etc. Collecting hues limited has one of the subsidiary which is Misstate Credit collect policy ltd. Has been consider as a collection agency which have been involved in providing state wide coverage as well as collection services in regard to the debt mainly for the consumer debt, council rates, utilities, local authority etc. The collection House limited have been established in 1992 and listed on ASX in the year 2000. It is also provided that company have approx 11 offices in various countries (Australia, New Zealand, and also the Philippines). There are approx 850 staffs in the mentioned country so as to provide various services (Markets.ft.com. (2016). Their commitment shows that they provide solution which would help to span the entire credit life cycle, for consumer outcomes and also support barns protection. They have also prepared long term strategy at various levels for diversification at different level such as clients, product, staff diversity etc. As per the data gathered, it has been observed that Collection House Limited has been building a very strong relationship alone with the major Australian as well as the International banks, insurance houses, corporations, financial Institutions and also with the government and public utilities. Some of the major services are as: Receivable Management Debt purchase Collection of Debt Services in regard to the credit management Insolvency as well as legal services Taking into consideration the above and also on the basis of research it has been found that they have properly maintain ethical standard and also the strong culture compliance which have been in accordance with the law and regulations in order to properly govern the business. Also the ongoing success can e taken as a proof for the commitment they are complying like in relation to the debt recovery, our displaced approach for the business as well as strategy and main focus will create value Collection house limited being a listed company with ASX code CLH have been operating since 22years and having large staff of 850 people including the experience management staff as well as the executive team management having average experience of approx 10years. Collection House limited has been considering as different from its competitor. This is mainly due to the adoption of approach of ethical debt recovery and also due to the adoption of the leading compliance standards. It has been proven that the Collection House limited group has achieved the continuing growth without diminishing the ethical standards and other prescribed laws and regulations (Markets.ft.com. (2016). the main focus of the group is to create value for the customers as well as client relationship. The same has been achieved due to offering of various multi disciplined services such as receivable management, debt collection services and many more. Further, it has been observed that the engagements of the group with the client as well as customer is efficient as well as ethical and have been further enhanced by the use of technologies of industry. This would also support or enable the group to provide effective as well as innovative work so as to assist customer in a better way and for successfully manage the debt recovery process. In the similar way, the group has created much innovative software system which would drive very efficiently as well as productivity and consequently would provide or deliver improved functionality and significant intellectual property to the group. Since the group have been driven by the unwavering commitments for the business conduct which are lawful, respectful, the same has been embedded to add values as well as inspirational goal towards the society. Collection House Limited has been striving to strive for the excellence by using globally recognized best prevailing practices. Their main goal is as follows: To be proved a s the good agency for the choice of client by maintain the strong relationship To compliance with the law, regulations and regarded by thru regulators for leading in the path of ethical standards. To be proven by the staff as provider of good working environment which will provide value , innovation, accountability as well as team work Introduction Collection house limited being a listed company with ASX code CLH have been operating since 22years and having large staff of 850 people including the experience management staff as well as the executive team management having average experience of approx 10years. Some of the major services are as: Receivable Management Debt purchase Collection of Debt Services in regard to the credit management Insolvency as well as legal services 30th June 2014 30th June 2015 30th June 2014 Assets $000 $000 % Change Current assets Cash and Cash Equivalent 7,222 704 926% Receivable 10,265 9,574 7% Purchase debt ledger 57,167 51,669 11% Other current Assets 1,089 1,044 4% Total current assets 75,743 62,991 20.24 Non- current assets Purchase debt ledger 198822 1,82,581 9% Property, Plant equipment 5,475 5,436 11% Intangible Assets 35614 34222 4% Total non- current assets 2,39,911 2,22,239 7.95 Total Assets 3,15,654 2,85,230 10.67 Liabilities Current liabilities Trade and other payables 16,013 13,628 18% Borrowings 0 323 -100% Current Tax Liabilities 2,027 7071 -71% Provision 3,067 2,906 6% Other financial liabilities 2149 1600 34% Total current liability 23,256 25,528 -8.90 Non-current liabilities Borrowings 1,19,000 99,800 19% Deferred Tax Payable 1,854 1,331 39% Provision 402 356 13% Other financial liabilities 477 2226 -79% Total non current liabilities 1,21,733 1,03,713 17.37 Total liabilities 1,44,989 1,29,241 12.18 Equity Share Capital 1,05,307 1,02,285 3% Reserves 2188 1959 12% Retained earning 63170 51,745 22% Total equity 1,70,665 1,55,989 9.41 Below table shows brief comparison (Amounts in $ 000) Particulars 2015 2014 % increase or -decrease Total current assets 75,743.00 62,991.00 0.20 Total non-current assets 2,39,911.00 2,22,239.00 0.08 Total current liabilities 23,256.00 25,528.00 -0.09 Total non-current liabilities 1,21,733.00 1,03,713.00 0.17 Total stockholder's equity 1,70,665.00 1,55,989.00 0.09 On the basis of above table, it has been clear that There is increase in the current assets by 20 %, which is mainly due to increase in cash comparison to the last year. This show good performance of the company. On the other hand increase in the non- current assets by 8% positively shows good performance in part of the company (Accounting tools, 2015). Increase in the current liability by 9 5 is mainly due to requirement to make enhanced provision as well as increase in other financial liability. This increase would not have any negative impact on the performance of the company. Noncurrent liability increase by 17% clearly implies that some liability have been increased which are not expected to be released within 12 months such as borrowing, defer tax liability, increase in the provision. In the stated case, increase in the equity is due to issue of shares and also there is increase in the retained earnings and also in the reserves. All these increase shows positive performance In the nutshell, it can be stated that financial position of the company on the basis of balance sheet shows positive performance of the company but simultaneously there is requirement to reduce the financial liabilities Review of the income statement: The total operating revenues of the company are $ 126043000 The Cost of goods sold of the company are $Nil The total expenses before taxes of the company are $ 31892000 The non-operating gains and losses of the company are $0 The earning per share of the company is $17.20 Below table shows brief comparison (Amounts in $ 000) Particulars 30th June 2015 30th June 2014 % increase or -decrease Total operating revenues 1,26,043.00 1,07,337.00 0.17 Cost of goods sold Total expenses (before taxes) 31,892.00 26,960.00 0.18 Any non-operating (or extraordinary) gains and losses - - Earnings per common share 17.20 14.70 0.17 On the basis of above table, There is increase in the revenue by 17% and on the other hand there is also increase in the expenses by 18%. This is not a positive sign because even though the revenue has been increased in the year 2015 but simultaneously expenditure has been increase with a percentage higher than the increase in the revenue. Hence it I advisable that company should took a way and step must be taken to increase the revenue in a way that there is also cost cutting. In the nutshell, company must focus to reduce the expenses i.e. cost cutting must be adopted. Also, the Company must adopt certain marketing strategy in a way that revenue would be increase Review of the statement of cash flows: The net cash inflow from operating activities of the company are $ 77669000 The net cash inflow from the financing activities of the company are $4637000 The net cash inflow from the investing activities of the company are $- 75362000 The net increase in the cash during the year of the company are $ 6980000 Below table shows brief comparison (Amounts in $ 000) Particulars 2015 2014 % increase or -decrease Net cash inflow from operating activities 77,669.00 65,971.00 0.18 Net cash inflow from financing activities 4,637.00 17,612.00 -0.74 Net cash inflow from investing activities -75,362.00 -85,639.00 -0.12 Net increase in cash during the year 6,980.00 -2,056.00 -4.39 On the basis of above table, Increase in the operating cash inflow by 18 % specified that thief increase due to increase in the operating revenue i.e. day to day activities. This shoe positive performance. There is decrease in the financing cash flow by 74%. Causes for the decrease are fewer amounts received from the borrowing in comparison to the last year, dividend paid is higher than the last year and also it has been clear that there are some buy back of high amount since the receipt form equity shares and other equity securities are very lower than the last year i.e. 2014. Decrease in the investing activities may be due purchase of assets which represent high cash outflow... this is not a sign of good performance In the nutshell, Collection House limited must keep view in regard to the financing as well as investing activities in addition to the operating activities. Step must be taken in a way that they are able to enhance the cash flow during the period of business and consequently the same could be increased which is consider as one of the important factor while making investment decision by the investors. Review of the stockholders equity: The following is the list of the required account balances: (Amounts in $ 000) Particulars 2015 2014 % increase or -decrease Issued capital 1,05,307.00 1,02,285.00 0.03 Reserves 2,188.00 1,959.00 0.12 Retained earnings 63,170.00 51,745.00 0.22 There is increase in the issue capital by 3 % which is due to issue of shares. Also increase in the reserves as well as retained earning shows good performance of the company. In the nutshell, it can be stated that increase reserves as well retained earnings is a sign of good performance and measures must be taken to continue the same. Conclusion On the basis of analysis it can clearly stated that business activities have been hinder growth ante hand and on the other hand there is sign positive improvement. Steps must be taken to make strategy improve revenue and must focus to decrease the cost since the % increase in revenue is less than the % increase in expenses. However, as per the balance sheet, financial position of the company is good since there is increase in the Assets whether current assets, non-current Assets and also there is decrease in the current liability. There is increase in the issue capital by 3 % which is due to issue of shares. Also increase in the reserves as well as retained earning shows good performance of the company. In the nutshell, it can be stated that increase reserves as well retained earnings is a sign of good performance and measures must be taken to continue the same. References Markets.ft.com. (2016).Collection House Ltd, CLH:ASX profile - FT.com. Readyratios.com, 'Financial Analysis and Accounting Book of Reference: Statement of Financial Position | IFRS Statements | IFRS Reports | Readyratios.Com'. Nap. 2015. Web. 22 May 2016. AccountingCoach.com. (2016).What is a noncurrent asset? | AccountingCoach.