Lifes Lessons in The Once and Future King :: Once and Future King Essays

Life's Lessons in The Once and Future King   The best thing for being miserable, answered Merlyn, starting to puff and blow, is to get the hang of something. That is the main thing that never comes up short. You may develop old and trembling in your life structures, you may lie conscious around evening time tuning in to the confusion of your veins, you may miss your solitary love, you may see the world about you crushed by insidious crazy people, or realize your respect stomped on in the sewers of baser personalities. There is just a single thing for it at that point - to learn. Realize why the world sways and what sways it. That is the main thing, which the psyche can never deplete, never estrange, never be tormented by, never dread or doubt, and never fantasy about lamenting. Learning is the main thing for you. Look what a ton of things there are to learn.   All through The Once and Future King, Wart learns numerous exercises in some impossible spots. Youthful Wart is the embraced child of an aristocrat when he meets Merlyn, a performer, who takes him on numerous undertakings, transforming him into a few unique creatures and showing him aptitudes, both mental and physical. Mole figures out how to approach individuals with deference and thoughtfulness. Before long, Wart pulls a mystical blade from a stone, which demonstrates him the legitimate ruler of England. Merlyn, who knew this from the beginning, prompts Wart-now called Arthur on the most proficient method to be a decent lord. What Arthur truly needs to do is end the confusion that goes for law in his nation. He needs his men-the knights of the round table-to support helpless individuals and keep the rich and solid from essentially overwhelming everybody. Numerous youthful knights love the gallant thought and appreciate Arthur.   Arthur's better half Guenever engages in extramarital relations with probably the best knight, Lancelot. Since he is a simply ruler, Arthur feels committed to abuse them for infidelity and conspiracy. This obliged Mordred's arrangement to disturb the court and, since he was the main child of Arthur (not with Guenever be that as it may), to become King of England. Lancelot slaughters Gareth, Gaheris, and Agravaine, all knights of the Roundtable. Mordred persuades an enduring knight, Gawaine that Lancelot slaughtered them out of his own disdain of England. Life's Lessons in The Once and Future King :: Once and Future King Essays Life's Lessons in The Once and Future King   The best thing for being dismal, answered Merlyn, starting to puff and blow, is to pick up something. That is the main thing that never falls flat. You may develop old and trembling in your life structures, you may lie conscious around evening time tuning in to the turmoil of your veins, you may miss your solitary love, you may see the world about you crushed by malicious maniacs, or realize your respect stomped on in the sewers of baser personalities. There is just a single thing for it at that point - to learn. Realize why the world sways and what sways it. That is the main thing, which the psyche can never deplete, never estrange, never be tormented by, never dread or doubt, and never fantasy about lamenting. Learning is the main thing for you. Look what a great deal of things there are to learn.   All through The Once and Future King, Wart learns numerous exercises in some improbable spots. Youthful Wart is the received child of an aristocrat when he meets Merlyn, a performer, who takes him on numerous undertakings, transforming him into a few distinct creatures and showing him abilities, both mental and physical. Mole figures out how to approach individuals with deference and benevolence. Before long, Wart pulls a mystical blade from a stone, which demonstrates him the legitimate ruler of England. Merlyn, who knew this from the beginning, exhorts Wart-now called Arthur on the most proficient method to be a decent ruler. What Arthur truly needs to do is end the tumult that goes for law in his nation. He needs his men-the knights of the round table-to support helpless individuals and keep the rich and solid from just ruling everybody. Numerous youthful knights love the gallant thought and appreciate Arthur.   Arthur's better half Guenever has an unsanctioned romance with probably the best knight, Lancelot. Since he is a simply ruler, Arthur feels committed to aggrieve them for infidelity and injustice. This obliged Mordred's arrangement to agitate the court and, since he was the main child of Arthur (not with Guenever be that as it may), to become King of England. Lancelot executes Gareth, Gaheris, and Agravaine, all knights of the Roundtable. Mordred persuades an enduring knight, Gawaine that Lancelot slaughtered them out of his own disdain of England.

Mental Retardation Essay -- Papers

Mental Retardation Mental hindrance is characterized as, a person with restrictions in intellectual capacity and versatile practices that meddle with learning. People with mental hindrance learn at a more slow pace, have low Intelligence levels, and may arrive at a level where learning stops. There are no definite foundations for mental hindrance however a few things are related with the inability. Pre-birth improvement issues, labor challenges, furthermore, a youth cerebrum injury would all be able to prompt mental impediment. A person with mental impediment may have issues in learning what's more, social abilities. Learning issues can include: trouble making choices, limited ability to focus, and restricted methodologies for managing with changes. Issues they face with social abilities are being to benevolent, trouble naming feelings, and being careful about new places. Regardless of the mishaps and individual with mental hindrance can get training and lead a gainful job in the public arena. I Am Sam is about an intellectually impeded man named Sam (Sean Penn). In...

Considering Overdraft Protection Here Are the Pros and Cons

Considering Overdraft Protection Here Are the Pros and Cons Considering Overdraft Protection? Here Are the Pros and Cons Considering Overdraft Protection? Here Are the Pros and ConsOverdraft protection can be a handy last line of defense. But the more you use it, the more dangerous it becomes to your financial wellbeing.Nobody likes having a card declined. That’s why people sign up for overdraft protection, Even if you don’t have the cash in your account, overdraft protection will have you covered.But here’s the thing: overdraft protection could actually be providing you the opposite of protection. It could be posing a huge threat to your long-term financial stability.So which is it? Well, the answer’s a little more complicated than that. What is overdraft protection?Overdraft protection comes in a couple different forms, but the basic idea is this: If you make a transaction on your debit card that exceeds the funds in your account, overdraft protection will provide you with the extra money you need to cover it. Of course, this service won’t often be performed free of charge, but it does save one the embarrassment of having their card declined.The first type of overdraft protection comes by linking the checking account to another account, most likely a savings account or a credit card. (Some banks will let you link multiple accounts.) If the account owner then overdraws their checking account, funds are transferred in from that linked account to cover the transaction. A transfer fee will usually be charged.The other type of overdraft protection is an overdraft line of credit. With this form of overdraft protection, your bank is essentially loaning you money to cover the cost of your overdraft. Depending on the bank, you might get charged interest on this line of credit, and you will almost always be charged an overdraft fee to cover the transaction.What are the pros of overdraft protection?The most obvious upside to overdraft protection is that it will save you the embarrassment of having your card declined or having a check bounce. While having a card declined can be d eeply embarrassing, a bounced check will likely result in a hefty Non-Sufficient Funds (NSF) fee and a black mark on your banking history.If your overdraft protection involves a linked savings account, you’re not actually borrowing money to cover the shortfall. You’re using your own money, which can prevent you from overloading yourself with debt. And the transfer fees for linked account transfers are usually fairly reasonable.A final argument for overdraft protection is that it allows you to cover emergency expenses, even if you don’t currently have the funds in your account. Otherwise, you’d be stuck with high-interest bad credit loans and predatory no credit check loans like cash advances and title loans.Even if overdraft protection isn’t a great option, it’s definitely better than a predatory payday loan, right?What are the cons?Actually, overdraft protection might not be much better than a predatory payday loan. Even after legal reforms in the wake of the 2008 finan cial crisis that prevented banks from automatically opting customers into overdraft protection, overdraft fees are still a huge business.And those fees are on the rise. In 2017, American consumers paid over $34 billion in overdraft fees alone, the most they’ve paid since 2009.In some ways, overdraft protection is a much better proposition for banks that it is for their customers. So much so that the line between overdraft protection and predatory lending can get very blurry indeedâ€"starting with the fees.Overdraft fees are high, with an average fee of $30. And when customers are using an overdraft line of credit instead of a linked account, many banking institutions will charge a separate overdraft fee for every transaction that exceeds the account balance. Imagine paying $34 on a five small $4 transactions. That’s $170 in fees for $20 in spending, an effective interest rate of 850 percent!And since many banks prioritize processing large transactions before they process smaller ones, the likelihood that you’ll rack up multiple overdraft fees is high. Getting charged one $34 fee on a $600 transaction wouldn’t leave you feeling great, but it’s a heck of a lot better than getting charged those $34 fees on the ten smaller transactions that came after it.Lastly, while avoiding an NSF fee is great for your Chexsystems Consumer Score (which is like a credit score for your banking history), overdrafts are also recorded on your Chexsystems report. Too many overdrafts and you could find yourself unable to open a checking account for the next five years.So is overdraft protection a good idea?Sort of. The thing about overdraft protection is that its just like any other kind of emergency bridge financing. Overdraft protection can be great as your last line of defenseâ€"an account feature that gives you peace of mind, even if you almost never use it. But if you find yourself regularly overdrafting your account, overdraft protection is a bad idea.For people with l ow incomes and bad credit, overdraft protection can end up trapping them in a dangerous cycle of debt. Those fees eat away at their account balances, which then lead them to  overdraft  even more frequently.If this sounds like you, go ahead and shut off your overdraft protection. Sure, dealing with the embarrassment of having your card decline is going to suck, but clawing back all that money that’s currently going towards overdraft fees is well worth the trade-off.Finally, if you are going to use overdraft protection, make sure it’s through a linked savings account instead of a credit line. Even linking a credit card to your checking account is a better option than an overdraft line of credit. The fees are lower, the interest rates are more manageable, and you can use your cards 30-day interest-free grace period to your advantage.There are very few easy answers in personal finance. The pros and cons of overdraft protection will ultimately be decided on a case by case basisâ€"by what works best for you. To learn more about managing your finances, check out these related posts from OppLoans:What’s the Quickest Way to Fix Bad Credit?How to Save Money When You’re Already on a Tight BudgetFrom Budget to Baller: 6 Tips to Grow Your Money8 Ways To Save Money Today, Tomorrow and Every Day AfterWhat other questions do you have about personal finance? We want to hear from you! You can find us  on  Facebook  and  Twitter.Visit OppLoans on  YouTube  |  Facebook  |  Twitter  |  LinkedIN

The Moral Issue of Death Penalty Free Essay Example, 1250 words

The argument is especially credible because a criminal who is fully aware that the criminal justice system will hand him or her death penalty will seek more favorable penalties by refraining from murder. It is rational, therefore, to argue that the average criminal may refrain from robbery even if they did not have the intention of murdering the property owner or possessor, because they are aware that ordinary cases of crime might lead to the death of those who are in the scene of crime (Moore, 2014). The argument is particularly logical in the sense that if the average criminal was aware of the fact that they might be forced to use excessive force in their commission of a property crime, most cases are likely to be dissuaded from executing the crime in the first place in a jurisdiction where death penalty is real and generously applied. Apart from crime deterrent functions, death penalty brings about closure for victims of murder. There are numerous victims of every murder case, in cluding relatives, friends, workmates and the immediate community in which a deceased party belonged. We will write a custom essay sample on The Moral Issue of Death Penalty or any topic specifically for you Only $17.96 $11.86/pageorder now The quest for settlement of every murder case starts with the apprehending of the criminal, his or her trial, and conviction (Rachels, 1997). During the long and tedious process, the victims normally anticipate that courts will hand in the severest of punishment to bring about some settlement in the case even if the penalty will not bring the dead person back to life. Despite the fact that the overwhelming grief of the loss of a loved one begins with the knowledge of the murder and may not end with the execution of the culprit, capital punishment creates a sense of relief that the criminal has been handed a punishment that is commensurate to his or her murderous actions or inactions. The primary argument against death penalty is that it does not punish the criminals. Neither does it work towards rehabilitating the individuals who are condemned of murder (Moore, 2014). The punishment test requires all criminals to be handed some kind of experience th at is commensurate with the crime they committed.

A Graphic History Of The First Atomic Bomb - 918 Words

Trinity: A Graphic History of the First Atomic Bomb takes the reader back in time to the beginning of where the atomic bomb comes from. The story starts out with Marie Curie and Pierre’s findings of new radioactive elements known as polonium and radium. From there the story talks about the science behind the findings of this element and how scientists believed that this new element could be used for great energy sources and nuclear fission. The scientists took these findings extremely seriously and disclosed the information to the President of the United States at that time. The President, Franklin Roosevelt, saw that this nuclear fission was important but did not think that it was such a big deal. As soon as Japan attacked Pearl Harbor, sending the U.S. into the war, the leaders of the country decided that it was necessary to be the first country to build this atomic bomb. Once the United States joined the war, the efforts to create this bomb were put at the highest priority due to the fact that most of the leaders believed with this bomb being created, it would end the war completely. The most brilliant scientists were recruited to get the job done. These bombs were built and tested on the secure site in New Mexico. Once they were tested it was time that these bombs were going to be put to use. The United States offered the Japanese the chance to surrender or they would have to release this technology on them and let them feel the wrath of this weapon. The JapaneseShow MoreRelatedThe Enola Gay Exhibit At The National Air And Space Museum1552 Words   |  7 PagesEnola Gay exhibit at the National Air and Space Museum (NASM) has helped to revive a spirited debate between professional, scholarly historians and amateur historians who are likely to have some first hand experience with significant historical events. Questions have arisen concerning the ownership of history and the role that professionals and amateurs should have in the retelling of events in our nations past. Regardless of the different answers to these questions what is clear is that it is upsettingRead More Was the U.S. Right or Wrong Using the Atomic Bomb in ?Hiroshima?674 Words   |  3 Pages nbsp;nbsp;nbsp;nbsp;nbsp;The history over few centuries shows that the Japanese never gave up, that they always choose â€Å"death† than â€Å"surrender†. These two articles which I was studying very carefully, shows two opposite opinions about the necessity of using the atomic bomb to the end of World War II. Gar Alperowicz, in his article, â€Å"Hiroshima Remembered: The U.S. was Wrong†, the evidence to prove that America didn’t need to use atomic bomb on Hiroshima and Nagashaki to end the war. nbsp;nbsp;nbsp;nbsp;nbsp;ContraryRead MoreThe Lottery By Shirley Jackson Analysis1085 Words   |  5 Pagesmade by appeasing to this violent and sadistic tradition of stoning, in like manner the propelling of the stones reference the propelling of The Atomic Bomb. Consequently, the people of this village were forced to conform with the inability to observe humanity. Jackson’s purpose of writing â€Å"The Lottery† was, â€Å"to shock the story’s readers with a graphic demonstration of the pointless violence and general inhumanity in their own lives† (236). In this story, she was trying to present a barbarous traditionRead MoreThe Cold War And The War Era1687 Words   |  7 PagesThe Cold War era was an infamous time in United States history. 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Another argument suggests that the need for new luxury technologies does not arise until these technologies are marketed. Simply there would not have beenRead MoreWar Is A Very Traffic And Devastating Event That Not Only1637 Words   |  7 Pageswaiting back in their homes. The idea of war such as the Cold War being associated with Dr.Suess s, The Butter Battle Book, should not be the focus of a children s book. People like Joseph Stalin and events such as the creation of missiles and bombs and the cuban missile crisis played a significant role in the Cold War. Joseph Stalin was a powerful and aggressive soviet leader. Stalin focused on creating a model communist state. I m doing so, he made both agricultural and industrial growth theRead MoreThe Graphic Novel Watchmen By Allen Moore967 Words   |  4 PagesThe graphic novel Watchmen by Allen Moore paints a picture of an alternate history. There are many differences between our history and the history of Watchmen, the first being that superheroes exist. Other differences such as Nixon being the president in 1985 and the United States winning the Vietnam War all contribute to Watchmen’s alternate history. In our history by 1985 the communist paranoia, and threat of nuclear war in America was winding down. The United States president and the leader ofRead MoreThe On The Gaming Industry1323 Words   |  6 PagesThe gaming industry took America so far in entertainment for generations of young and old to play for decades to come. Starting from one of the developers of the atomic bomb used in World War II to the present day console wars of PC, Xbox, PlayStation, and Nintendo games have been played. Computer engineers took steps and chances with their ideas, making them into successful business men in a brand new industry, creating new products of imagination, science, and reality. If there were no video gamesRead MoreTheme in Literature Essay4725 Words   |  19 Pages Name__________________ CH. 14 America and World War II Study Guide It was the bloodiest, deadliest war the world had ever seen. More than 38 million people died, many of them innocent civilians. It also was the most destructive war in history. Fighting raged in many parts of the world. More than 50 nations took part in the war, which changed the world forever. For Americans, World War II had a clear-cut purpose. People knew why they were fighting: to defeat tyranny. Most of Europe hadRead MoreEssay on A Century of Physics3573 Words   |  15 Pages In the cosmic realm, General Relativity provided the theoretical framework, and the giant telescopes built in the clear air of California the observational foundation, for the emergence of physical cosmology-- the science of the structure and history of the universe. An essential preliminary step was a test of General Relativity. In 1919, when the bending of starlight by the sun, as predicted by Einstein, was observed, he instantly became an international media star. The curvature of of space

Creative Writing A Short Story - 2216 Words

Oh my goodness look at how tall you’ve gotten, oh my.† â€Å"hi grandma missed you.† Jennifer’s mom, Elizabeth, hugged Ruth, â€Å"Hi mom how are you feeling?† â€Å"I’m fine honey, how are you, are you hungry i made some breakfast,† Ruth looked back at Jennifer, â€Å"I made some chocolate chip pancakes.† Jennifer ran to the kitchen and met her grandfather at the table with a large stack of pancakes and sat next to her grandpa. He looked up from his newspaper and gave her a smile, he set the paper next to her and Jennifer smiled at him, and then glanced at it and saw an article that read, â€Å"Beware Going Out at Night!†. Local police say to avoid going out after dark at any cost, late on Friday night a deranged psycho had escaped the city jail 5 miles out of†¦show more content†¦Ã¢â‚¬Å"Are you sure you’re ready to date again? It’s only been a year since the accident.† â€Å"Yes mother I kno w I’m ready, Mark is very nice and a gentleman. He is as nice as he was.† Jen was listening from the stairs, she started to tear up when she heard this, â€Å"Alright as long as you think you’re ready I’ll support you, just call me tomorrow ok?† â€Å"Yes mom,† Jen quietly stood up and walked up the stairs to her room. She had a large room with a big french window and a balcony, she liked to sit out there before she went to bed to look at the bright moon, she could see it so clearly no matter where it was in the dark sky. She set her suitcase down on her bed and opened the windows and let the wind flow through her room, she did this out of habit. She heard her name being called, it sounded like her mother. She went to the staircase and waited to hear her name again, but this time she did not hear it downstairs†¦ it was down the hall, she sprinted down the hall and waited again, she called out, â€Å"Yes? Where are you?† She heard her name again, â€Å"...Jennifer†¦Show MoreRelatedCreative Writing : A Short Story1020 Words   |  5 PagesThe girls sat seperated in two stark, cold rooms. Each of the girls was sat at a table with a clear plastic cup of water sitting at arm’s length from them, both cups untouched. How could they drink when their best friend was no where to be seen? They had been having an innocent night of fun at Mercedes’ house three weeks ago, the first of many planned for the spring break, watching movies on Netflix and eating a pizza they ordered. The night was full of rambling about how classes were, drama floatingRead MoreShort Story : Creative Writing1550 Words   |  7 PagesIn the woods when the sun was just starting to set, there was a van driving on a long-abandoned road, behind the wheel of said van was a tired looking girl who seemed to be about 19. She took a sip of the long cold coffee, and turned to the turquoise haired girl sitting next to her. Hey uhhhh Cas, Cassie? Where are we? Noting the headphones, she stopped the car and turned around to inquire of the two boys in the back, Kenny, Timmy, do either of you have an idea where we are? It seems like weveRead MoreCreative Writing : A Short Story1281 Words   |  6 PagesSMACK! I was on my back, peering up at Josh as he laid on top me. â€Å"Gotc....† He begins to say but stopped. The look of victory slowly vanished from his face at the realization of how little space was between us. I could feel his heart hammering in his chest or maybe it was mine. Because, Josh was now searching my eyes as if he was looking for an answer to a question. His lips were only inches from mine and I could feel the heat coming off of them. Everything inside of me screamed to move awayRead MoreShort Story : Creative Writing865 Words   |  4 Pages Brrring! Brrring! Brrring! Brrring! â€Å"What is someone doing calling at 2am† whispers Dave groggily as he wipes his eyes and p icks up the phone. Yawning, somehow he manages to make something comprehendible come out of his mouth, â€Å"Hello? This is Dave speaking.† â€Å"Dave! This is Joe†¦ your old roommate from college. How are you doing?† â€Å"I am doing fine.† says Dave thinking and thinking about who Joe is when suddenly he remembers. At that moment he groans but manages to put out a polite response,Read MoreCreative Writing : A Short Story1037 Words   |  5 PagesThere she goes again. Mother can’t ever mind her own business, Seriously will it kill her to just leave her thoughts to herself. Little Mike came up tugging at her sleeve, his soft little fingers grasping at the cloth, a pull then another. â€Å"Yes sweetheart.† Mike looked at her, his finger pointed forwards, just at the edge of my vision. â€Å"It’s our turn now mommy.† She looked up; Mike quickly ran forward. â€Å"Woah slow down buddy, you can’t walk away by yourself.† Mike came to a sudden stop;he turned toRead MoreCreative Writing : A Short Story1102 Words   |  5 PagesWhen their parents entered their room, Charlie watched as Maggie walked to the window and kept her back to them. They could al l tell she was upset about something. Looking at Elliot, she pushed herself up further in the bed, as Callum grabbed Ian and took a seat on the chair next to her. Ben clasped his hands in front of him as he took a deep breath. â€Å"Ive been asked to stay here in order to help Rachel on her work supplying the Republic with power. I plan on asking Miles to let all of you andRead MoreCreative Writing : A Short Story1148 Words   |  5 Pagesbench nearby. And that’s what she was doing now. She sighed and stood up to go home. The next day she went to school and her best friend Sarina asked, â€Å"What’s wrong?† She then told her the whole story as she didn’t know what happened yesterday because she was absent. Hearing the story she said, â€Å" It’s a good thing that I upgraded my remote few days ago. You should go to the remote shop today after school.† Then they both went to class. When Maya entered her first class she saw Tasha andRead MoreCreative Writing : A Short Story1583 Words   |  7 Pagesforbid, if you don’t find it within two seconds, then youre most definitely an incompetent driver. Almost needless to say, Jason didn’t follow in the outlier’s footsteps, and he aced the questionnaire. Though he did take note that his examiner was creative with her questions. 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Minicase Raines and Warren Finance free essay sample

The disadvantage of using company collateral to back the bonds is, the asset used as collateral cannot be sold during the term of the bond and must maintain its value. 2. Seniority of the bond. The seniority of the bond is the order in which bonds will be paid in the event of bankruptcy. The more senior the bond, the higher priority of being paid if there is a bankruptcy, and the lower the coupon rate because the risk to the bond owner is lower. 3. The presence of a sinking fund. A sinking fund is an account set up by the trustee of the bonds. The trustee saves and pools money to purchase, pay off, or call bonds early. Setting up a sinking fund will lower the risk, thus lowering the coupon rate. The risk to the company is not having available funds to feed the trust. 4. A call provision with specified call dates and call prices. We will write a custom essay sample on Minicase Raines and Warren Finance or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page A call provision could be included to call the bonds if interest rates drop substantially. The call provision will raises the coupon rate but protect you from paying a high rate for a long period in the event rates drop. 5. A deferred call accompanying the call provision. A deferred call accompanying the call provision would give the bond purchaser a protection period where the bond could not be called. Adding this provision will prohibit you from calling the bond for a set time (call period), and puts you at risk of paying a high interest rate for the deferred period. Therefore, you have a lower coupon rate than a call provision with no deferral period but still higher than a bond with no call provision at all. 6. A make-whole call provision. A make-whole call provision is the safest call for the investor and a lower coupon rate for you. The discount rate is based on the current Treasury rate plus a small-specified percentage. The investor is protected by being made whole if there is a call. 7. Any positive covenants for purchaser and some SS might consider. Positive covenants on bonds are proactive and reduce the coupon rate. Applying positive covenants to the bond makes it more attractive and secure to the investor by applying conditions that protect the investor’s interest. You may wish to consider a covenant to furnish your audited financial statements to the investors. This is something you already do and it would decrease the coupon rate. If you choose to secure with assets (see number 1), including a covenant to assure that the asset is in good working condition would lower the coupon rate. 8. Any negative covenants for purchaser and some SS might consider. Negative covenants on bonds are restrictive and reduce the coupon rate. Applying negative covenants to the bond makes it more attractive to the investor but may hinder the operation by putting limitations on your business actions. You may want to consider a clause that you will not merge with another firm and that you will not issue any additional long-term debt. 9. A conversion feature. A conversion feature allows a bond to convert to stock and unless your company is planning to go public, this would not apply to you. If SS has any plans to go public, you should consider a conversion feature. This feature would benefit the bondholders if the company did go public and if included could lower the coupon rate. 10. A floating-rate coupon. A floating-rate coupon is much like an adjustable rate loan. The coupon rate, tied to a published rate such as the Treasury bill interest rate over a set period, is adjusted per a set schedule such as every six months. There is a disadvantage of doing this when rates are low but will be more attractive to the investor, thus a lower margin. A cap on how much the rate can be increased or decreased would be a good addition if you choose this option. This would be a consideration if you choose not to have a call provision.