Cathego Review Pros and Cons Uncovered- Another Scam

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Pros and Cons of Mergers & Acquisition

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Businesses use mergers and acquisitions (M&A) strategy as a way of diversifying and growing their businesses. M&A is a complex business process which involves combinations of one business with another to form one big business. The acquisition involves buying out of another business or portion of it.

When looking mergers and acquisitions you should be very careful to avoid choosing a firm which brings more challenges than benefits. Let’s look at the pros and cons of M&A.

1 . Increase performance: The synergy created through the merger of two or more business is very powerful and it results in increased business performance and a lot of financial gains.

2 . Competitive edge: Businesses combine their resources and talents to enable them to have a competitive edge in the market.

3 . Cost efficiency: Mergers results in increasing the purchasing power of companies. Raw materials are purchased in bulk at reduced cost and discounts.

4 . Enjoy economies of scale: M&A enables the firms to share resources and services. This leads to a reduction in the overall cost of production, increase the buying power and increase production.

5 . Tax benefits: Production of goods and services in large quantities results in financial advantages, use of tax shields by utilizing alternative tax benefits.

6 . New markets: The diversification plans resulting from merger and acquisition of the business results in increased sales. Business looks for new markets for products and services.

7 . Risk management: Businesses go through various business cycles and risks. One way to manage the risk associated with the business is to merge with another firm in order to share the risk involved and save the firm from bad effects of depression.

8 . Control of markets: Businesses combine in order to maintain control of the market and have more power in the market.

9 . Research and development: Mergers require firms to invest in research and development to look for new products and technologies will enable the firms to remain innovative and profitable.

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10 . Eliminate competition and duplication: Firms combine with each other to eliminate competition among the firms and reduce the duplication of resources and manpower.

1 . Cultural clash: Different firms have different cultures which may lead to culture clash. If not careful, a culture clash may result in failure of the business.

2 . Less choice for consumers: Merging of firms will lead to less choice of industries for the consumers. They will have to deal with one big store with no any other firm to compare products with.

3 . Higher prices: Merging companies may lead to monopoly and the combined firms can increase the prices of commodities for consumers.

4 . Reduce jobs: M&A results in job loss, employees in the company bought out loss their positions. Under-performing segments of the company maybe shutdown resulting to loss of jobs.

5 . Diseconomies of scale: The M&A firms experience dis-economies of scale due to the big size of combined business. The firm may not have the same degree of control and workers may feel demotivated.

6 . Market confusion: Combination of the firms that deal with different types of products will result in market confusion especially if the merger is for growth sake.

7 . Loss of brand strength: If the merger results in market confusion then it will affect the brand strength. The company’s reputation and visibility determine the brand strength. If the reputation is affected then your brand will be affected.

8 . Increase debt: If one company has debts, then M&A process will increase the debt balance sheet of the two firms and this may affect the firms’ credit line.

9 . Time-consuming: It takes a lot of time for both teams to sit down and agree on the mergers an acquisition terms.

10 . Poorly matched partners: When implementing acquisition as the growth strategy, the business owner should seek professional advice on managing the target firm, otherwise it will result in failure affecting your initial healthy firm.

Experian Review

Experian is one of the three credit bureaus that monitor, track and generate credit reports. You can purchase reports directly through the bureau. It also offers a service called IdentityWorks that is available in two versions: Plus and Premium. Both have free trials for the first month.

By Eli McCormick 26 February 2020

Our Verdict

As one of the three credit bureaus, Experian offers accurate information and gives you greater insight into your credit. It also offers identity protection tools.

  • You can sign up and get a free credit score.

Against

  • Scores are only updated quarterly.

IdentityWorks Premium offers the best combination of identity and credit monitoring.

There’s a cheaper plan through Experian that only monitors your Experian file.

Experian offers a free credit report.

You can get three bureau FICO scores through Experian.

You can lock your Experian credit file with one touch.

Experian is one of the three credit bureaus that monitor, track and generate credit reports. You can purchase reports directly through the bureau. It also offers a service called IdentityWorks that is available in two versions: Plus and Premium. Both have free trials for the first month.

For this review we focused on Premium, which costs $19.99 a month and offers comprehensive service, including monitoring all three bureaus. The Plus plan has the same identity monitoring features, but only monitors your Experian credit report. IdentityWorks Plus costs $9.99 a month. There’s also a CreditWorks Plus plan that offers the credit monitoring features without the identity monitoring. This costs $24.99 a month.

You can sign up to get a free Experian credit report every 30 days. The Fair Credit Report Act entitles you to a free report annually, so being able to check your report every month is invaluable. Keep in mind that this is a free report and not a score. You’ll have to sign up for one of the plans to check your credit scores. Some experts do advise that reports are more important than scores, and being able to see your reports more frequently means you can watch for any potentially fraudulent information. The free plan also includes credit monitoring alerts that notify you when something on your report changes.

Experian uses the FICO model for its scores. This is the most commonly used score and is what most lenders base their decisions on. Experian has a mobile app that gives you access to all of the information on the plan you sign up for. Another useful feature Experian offers is a credit score simulator. This lets you see how a change like a new credit card or paying off a loan affects your Experian score.

With the Premium plan you can send disputes directly through the Experian dashboard. If you see an error or discrepancy on your report, you can contest it with whichever bureau’s report it’s on by clicking a link in the dashboard.

You can sign up to receive alerts about new credit inquiries through text or email. These alerts can warn you about potential identity theft so you can quickly take action. One advantage of choosing one of the bureaus for credit monitoring is that you can act quickly to freeze your credit reports. This only works for your Experian file; you’ll still need to contact TransUnion and Equifax to freeze those files.

Cathego Review: Pros and Cons Uncovered- Another Scam?

Zoos – Top 3 Pros and Cons

Zoos have existed in some form since at least 2500 BCE in Egypt and Mesopotamia, where records indicate giraffes, bears, dolphins, and other animals were kept by aristocrats. [1] The oldest still operating zoo in the world, Tiergarten Schönbrunn in Vienna, opened in 1752. [2]

Controversy has historically surrounded zoos, from debates over displaying “exotic” humans in exhibits to zookeepers not knowing what to feed animals. [3] A gorilla named Madame Ningo, the first gorilla to arrive in the United States in 1911 who was to live at the Bronx Zoo, was fed hot dinners and cooked meat despite gorillas being herbivores, for example. [3] [4] The contemporary debate about zoos tends to focus on animal welfare on both sides, whether zoos protect animals or imprison them.

Are zoos important institutions that promote scientific research and public education, and save animals from extinction? Or are zoos cruel animal prisons with little educational value that harm animals physically and psychologically? The pros and cons of zoos are detailed below.

Should Zoos Exist?

Wednesday, May 8, 2020 | Author: ProCon.org | MORE HEADLINES
Pro 1

Zoos educate the public about animals and conservation efforts. As of Apr. 2020, there are 236 accredited zoos in the United States. The zoos attract over 181 million visitors annually, which is more than the approximately 131 million yearly spectators of the NFL, NBA, NHL, and MLB combined. [5] [6] [7] [8] [9] [10]

According to a study of 26 zoos worldwide published in Conservation Biology , visitors to zoos increased their knowledge of biodiversity and specific individual actions to protect biodiversity. [11]

Robin Ganzert, PhD, President and CEO of American Humane, stated, “zoos provide people, especially impressionable children, with the opportunity to see these remarkable animals up close. People won’t protect what they don’t love, and they can’t love what they don’t know. No matter how closely programs like Planet Earth depict animals, nothing will match the bond of seeing them in real life. Just look at a child’s eyes at the zoo when he or she encounters a tiger or similarly majestic animal.” [12]

Zoos don’t educate the public enough to justify keeping animals captive. A review published in Animal Studies Repository concluded, “to date there is no compelling or even particularly suggestive evidence for the claim that zoos and aquariums promote attitude change, education, and interest in conservation in visitors.” [26] Even a study widely cited to justify the argument that zoos educate the public stated, “there was no overall statistically significant change in understanding [of ecological concepts] seen” because visitors know a lot about ecology before going to the zoo. [27]

TV shows such as Planet Earth bring wild animals into living rooms, allowing people to see the animals in their natural habitats without causing harm to animals such as the endangered snow leopard. Romesh Ranganathan, a British comedian, stated, “It still slightly surprises me that anybody thinks that we should have zoos at all. The animals always look miserable in captivity. [T]he idea that kids only get excited about things they can see in the flesh is ridiculous. My kids are obsessed with dinosaurs that no longer exist, and Skylanders, which have never existed.” [28]

Pro 2

Zoos produce helpful scientific research. 228 accredited zoos published 5,175 peer-reviewed manuscripts between 1993 and 2020. [13] In 2020, 173 accredited US zoos spent $25 million on research, studied 485 species and subspecies of animals, worked on 1,280 research projects, and published 170 research manuscripts. [14]

Because so many diseases can be transmitted from animals to humans, such as Ebola, Hantavirus, and the bird flu, zoos frequently conduct disease surveillance research in wildlife populations and their own captive populations that can lead to a direct impact on human health. For example, the veterinary staff at the Bronx Zoo in New York alerted health officials of the presence of West Nile Virus. [15]

Zoo research is used in other ways such as informing legislation like the Sustainable Shark Fisheries and Trade Act , helping engineers build a robot to move like a sidewinder snake, and encouraging minority students to enter STEM careers. [37] [38] [39]

Con 2

Zoos are detrimental to animals’ physical health. A study of 35 species of carnivores, including brown bears, cheetahs, and lions, found that zoo enclosures were too small for the animals to carry out their normal routines, which led to problems such as pacing and more infant deaths. Polar bears, for example, had an infant mortality rate of 65% due to small enclosures. [29]

About 70% of adult male gorillas in North America have heart disease, the leading cause of death among gorillas in captivity, although the condition is almost completely absent in the wild. Other great apes have similar health problems in captivity. [4]

Captive elephants live about half as long as wild elephants: 18.9 years v. 41.7 years for Asian elephants and 16.9 years v. 35.8 years for African elephants. Of 77 elephants in 13 zoos, 71 were overweight and spent 83% of their time indoors, contributing to early death. [30]

Pro 3

Zoos save species from extinction and other dangers. Corroboree frogs, eastern bongos, regent honeyeaters, Panamanian golden frogs, Bellinger River snapping turtles, golden lion tamarins, and Amur leopards, among others, have also been saved from extinction by zoos. [16]

Zoos are also working to save polar bears, tigers, and wild African elephants from habitat loss, apes and rhinos from poachers, dolphins and whales from hunters, and bees and butterflies from population declines, among many other efforts to help many other animals. [17] [18] [19] [20]

23% of birds and 47% of small mammals (weighing less than about 2.2 pounds) are negatively impacted by climate change. [21] By keeping populations of animals and conducting wild repopulation, zoos can help preserve species in danger from climate change. There were only nine California condors in the wild in 1985. A joint conservation effort between the San Diego and Los Angeles Zoos with other organizations resulted in a population of 276 California condors in the wild and another 170 in captivity by 2020. [22] [23]

Przewalski’s horses, the last wild horses, were declared extinct in the wild in the 1960s when about 12 lived in zoos. By 2020, breeding programs at zoos increased the number to 2,400 horses, and 800 were reintroduced to the wild. [24] [25]

Zoo confinement is psychologically damaging to animals. Animal behaviorists often see zoo animals suffering from problems not seen in the wild, such as clinical depression in clouded leopards and gibbons, obsessive-compulsive disorder (OCD) in brown bears, and anxiety in giraffes. [31] The animals experience these issues due to smaller enclosures, changes in diet and activities, and the introduction of things not seen in the wild, such as medical exams and people with cameras. The Toledo Zoo ran a psychiatric program in which a gorilla with premenstrual depression was prescribed Prozac. To ease them into new habitats, an agitated tiger was given Valium, and anxious zebras and wildebeests were given Haldol. [32] [33]

A study of captive chimpanzees found that “abnormal behaviour is endemic in the population,” and includes behaviors such as eating feces, twitching, rocking back and forth, plucking hair, pacing, vomiting, and self-mutilation, among others. The study concluded that the cause of such behavior could be mental health issues. [34]

About 24% of captive orcas have “major” to “extreme” tooth wear and 60% had tooth fractures as a result of stress-induced teeth grinding. [35] [36] As a result of the 2020 documentary Blackfish, which exposed the psychological damage done to orcas by SeaWorld, California outlawed captive orca breeding. [36]

    National Geographic, “Zoo,” nationalgeographic.org (accessed May 8, 2020)

Schönbrunn Palace, “Zoo,” schoenbrunn.at (accessed Apr. 23, 2020)

CBC, “Trapped in a Human Zoo,” cbc.ca, (accessed Apr. 23, 2020)

Krista Langlois, “Something Mysterious Is Killing Captive Gorillas,” theatlantic.com, Mar. 5, 2020

Association of Zoos & Aquariums, “Currently Accredited Zoos and Aquariums,” aza.org, Apr. 2020

Association of Zoos & Aquariums, “Visitor Demographics,” aza.org (accessed May 7, 2020)

Maury Brown, “Why MLB Attendance Dropped below 70 Million for the First Time in 15 Years,” forbes.com, Oct. 3, 2020

NHL, “NHL Attendance (1975-76 through 2020),” records.nhl.com (accessed May. 7, 2020)

NBA, “NBA Breaks All-Time Attendance Record for Fourth Straight Year,” nba.com, Apr. 12, 2020

Brandon McClung, “NFL Attendance Lowest since ’10 Despite Chargers Rebound,” sportsbusinessdaily.com, Jan. 2, 2020

Andrew Moss, Eric Jensen, and Markus Gusset, “Evaluating the Contribution of Zoos and Aquariums to Aichi Biodiversity Target 1,” Conservation Biology , Aug. 22, 2020

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