Change Essay - 1144 Words

â€Å"Nobody can go back and start a new beginning but anyone can start today and make a new ending†. Maria Robinson’s quote can be applied to the concept of change as anyone can alter the way they are in their lives and become something new. Change is a state of transformation which results in a fundamental shift in the way we perceive and interact with the world. It is the process of being made different, altered in appearance, turned into something or someone new. The concept of change is very important in our lives as it gives us new experiences whether it be positive or negative. Change can be explored in the poem â€Å"Remember me?† by Ray Mather, â€Å"My father began as a god† by Ian Mudie, â€Å"Originally† by Carol Ann Duffy and in the pros fiction†¦show more content†¦Repetition of the word â€Å"strange† shows the audience the poet’s point of view about his father and how his perspective had changed from when he wa s younger. His perspective started of as a positive one seeing his dad as a god until he grew older and a negative perspective had been developed as seeing his father as foolish and outdated. This relates to the concept of change as the poet’s view of his father has been altered as he has grown up. The poem â€Å"Originally† by Carol Ann Duffy implies a journey of changes. It creates an allure for the reader to ponder what the catalyst for change is in this poem. The use of personification â€Å"the miles rushed back to the city† is used to show an uncertain journey and reinforce her desire to return home. It shows a sense of displacement from where she had just left which emphasises loss and isolation for the poet. This relates to the concept of change as there is a shift from one place to another in the poem. The poet uses repetition in the poem quoting â€Å"home, home† which is used to emphasise that the poet is going through a time of change and wants to return to her original place being home. This relates to the concept of change as there is a shift in ones life from one place to another as shown in the poem. The pros fiction â€Å"Sky high† by Hannah Roberts uses the technique simile â€Å"shirts like coloured flags in secret code† to show her own personal childhood experiences and her perspectives as a child. This relates to theShow MoreRelatedChange Essay1439 Words   |  6 PagesChange We dont continue on as we are. We change and are forever changing if we dont change we dont grow. If we dont grow, we arent really living Gail Sheehy, suggests that for change to work efficiently we must learn from what has happened in the past. Change can be a positive force, we have the power to change to create world peace, and on the other hand change can be negative. 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Producing World-Class, Mission-Ready, C-17 Pilots and...

Mission Statement Mission, Airman, Family (MAF) To produce world-class, mission-ready, C-17 pilots and loadmasters. Customer Analysis The 58th Airlift squadron is the only airlift squadron in the world to train customers to operate the C-17. Our customer is the trainee, we should provide a professional learning environment and give each trainee the tools necessary to be successful C-17 operators. Our squadron is also product of The Mobility Air Forces or MAF. We owe them a product and we should provide the MAF with operators capable of executing their global mobility mission. Our customers are evaluating our services very high. We view this with the customers final course survey and their USAF flying evaluation. We also receive a feedback report on the members initial MAF flight evaluation validating if the member has progressed or regressed in the training environment. We also have our trainees complete an initial observation and evaluation flight for us to measure where they stand in their abilities in comparison to where they should be. Once again we validate our training with the members final evaluation. This is the standard for all initial, advanced and international students. In an effort to maintain a good working relationship with our internal and external customers we will continue to follow through on our promises. To make certain we are providing the best service possible we will continue to ed ucate our work force, seek feedback and stay up to date on

Cohn and Wolfe Launches Strategic Consulting †MyAssignmenthelp.com

Question: Discuss about the Cohn and Wolfe Launches Strategic Consulting. Answer: Introduction When any organization takes the initiatives to improve the performances and grasp the opportunities or address different key issues they require implementing changes of different types. This might involve change in processes, job roles, organizational structure and the use of different kinds of technologies. However it is important to mention that among all these changes, the most important fact is that the real change needs to be brought among the employees. It must be realized that it is the employees who have to change. It is the employees who have to cope up with the change and bring alterations in their habits in order to successfully implement the change that is desired by the management. If the employees fail to accept and bring about the modifications, the change that is desired will fail along with the implementation. It must be understood that changes are unique so are individuals. After decades of research, it has been discovered that there are actions that could change pe ople. This is where change management comes into play. Change management provides a detailed structured analysis that would help to bring about the change in an organization. Change management provides the path that needs to be followed in order to successfully implement the change that is desired. This study helps to understand the implementation of change management to an organization. With the help of the study the researcher would be able to understand how different types of changes can be brought to the organizations depending on the type of organization and its employees. The study is mainly based on the study of Robert K Yin who developed specific structure for case study. The case considered in this research is based on the organization WPP which deals in marketing communications. Three phases of change management Before bringing change into individuals, it is essential to understand that it is the natural psychological as well as physiological tendency of humans to contradict any change to which they are introduced. However with proper support and help, it is possible to bring about the desired change in the individuals. Individual change management is important because it helps to understand the how people accept the changes and are willing to do as required. According to Czichos (2014) individual change management helps to understand how people are experiencing the change and the messages that people need to hear. Since individual change management involves changing in the character of people, therefore there are some facts that people like. For instance a person might prefer to receive a message or information from a certain person. In such cases the speaker for the change also plays significant role. Sometimes people prefer to hear the message from a person with specific authority. Hearin g from a specific person about the requirement of change would help people to get motivated and this leads to easier introduction of individual change. Next comes organizational change management which involves restructuring of the operations in the organization. In the words of Have (2017) after changes in the individual level are done, it is required to change groups of individuals. In case of organizations groups are referred to as the people who comprise different levels of employees such as staffs, management, board of directors and different other people belonging to specific designations. When bringing organizational change, the organization needs to customize plans accordingly in order to make sure that the people holding different positions are influenced and explained the advantages of the change that is planned. With the help of the explanation, it would be possible for the stakeholders to get an understanding of the processes and the positive aspects of the change. The final phase of change management is the enterprise change management which involves changes in organizations based on the changes in different other organizations. The organizations which plan to undergo change management should understand the fact that the change should involve an overall alteration in the management. This includes introduction of new equipment and technology and even work structure. The organizational structure involves people of different designations, roles and work processes. Enterprise change involves modification of all these facts. According to "What Is Change Management? | Prosci" (2017) enterprise changes are mostly brought with the purpose and objective of improvement in the performance of the organization. As a result of enterprise change, individuals would be able to accept and adapt to the changes easily. The enterprise change is not an abrupt process but requires strategic thinking and critical approach. Once the different phases of change management are understood, it becomes easy to understand and determine the roles of the managers of the organization. As a matter of fact the managers play the most significant role. Since the basic phase of the change management involves changing the individuals, therefore it must be kept in mind that the individual staffs need to be changed with too much care. as Since the managers are the people who act as a bridge between the board of directors and the staffs, therefore it can be understood that the managers have to play the crucial role of determining the initiatives that would help to influence the staffs. Simultaneously it is the duty of the managers to report the problems to the board of directors so that the directors would be able to rectify or modify a complicated situation. It is the managers who would play the key role right from the beginning. It is the managers who would report the different parameters that would determine the requir ements of the change in the organization. Simultaneously the managers would also be responsible for motivating the employees for accepting the change. It will also be the responsibility of the managers to assign the tasks and explaining the tasks to the employees. The task of the managers is quite challenging because the managers have no idea of how the employees would accept the change. Depending on the assessment of the employees the managers have to take different approaches to influence the employees. When the organization of WPP is taken into consideration, the management underwent a recent organizational change. Major restructuring was involved in the change. The first change that was involved was the change of the leadership in different parts of the world. Next the company decided to make significant changes in its operations. As mentioned in "Major agency restructuring continues with changes at Publicis, WPP" (2017) the company has made changes in its operation to make it simple for the clients and employees. They decided to bring these changes in order to make the data integration, promotion and other feature simple and easily executable. Additionally the company has introduced some major changes in customer relations. WPP has introduced more and more electronic features in the customer relations. This helped to speed up the process and reduce human effort. It also helped to reduce the chances of human errors. The company also started to explore the digital advertisements. T he company started promoting products on social media which helped to reach a larger mass of people. Values and ethics of managers While introducing changes to the organization, it is important to consider different aspects such as cultural value, ethics and diversity. While structuring the changes the management needs to pay heed to the fact that the changes do not offend anyones sentiments. It must also be taken care of the fact that the changes are brought about following the ethics of business. This includes maintaining the employment and labor laws as well. The managers should keep in mind that while dealing with the employees they do not offend the staffs in any way trying to influence them. The managers need to keep in mind that the employees need to be kept happy. The managers should convey the message in favor of the change keeping the legal formalities intact. Sometimes the managers face problems of language and mode of interaction trying to interact with the employees. It is highly essential for the managers to use technique of interaction so that the employees understand the facts easily and at the s ame time they are not offended. With the help of proper communication techniques, the managers can easily convey the desired message and influence the employees. This is why appointing a person who is able to understand the local culture and can influence the people without offending them is important. In case of WPP appointing an America born CEO for operations in America would help the company to get the favor of the employees because she would be able to influence the employees easily without hurting their sentiments. Simultaneously it would be easy for the CEO to understand what the staffs as well as the clients would demand. Understanding the culture is also crucial which will be followed if the CEO has the same origin. The sentimental value is also important with the feeling of having a boss from the same origin would help to prevent any sentimental conflict. Considering all these facts, the change management introduced by WPP was crucial and wand highly effective. With the he lp of the change the company was able to satisfy the clients and make the employees happy. Additionally the company was also able to improve its performances on the global basis. Conclusion This research helped the employees to understand the significance of change management. With the understanding of the change management, it would be possible to strategize the change management accordingly. Apart from the understanding of the change management the researcher was also able to understand how the change management would affect the organization. With the progress of the study the researcher was able to have an in depth idea of how change management should be done. The different phases of change management explained in the study helped the researcher strategize plans of how to bring about the necessary changes. This would help the researcher to introduce changes in the future whenever required. In order to have a better idea of change management, the company used for studying change management was WPP. This study helped to understand the change management in a much more practical sense. The significance of culture and ethics on change management was understood through the study. With the help of the change the company was able to satisfy the clients and make the employees happy. Additionally the company was also able to improve its performances on the global basis. The practical application of change management on the organization helped the researcher to understand how it would affect the organizations in different manner. to conclude the study, it can be said that the study provided an in depth understanding of change management with the practical application of the same on an organization. References Cohn Wolfe launches Strategic Consulting unit - WPP. (2017).Wpp.com. Retrieved 23 October 2017, from https://www.wpp.com/wpp/press/2015/apr/08/cohn-wolfe-launches-strategic-consulting-unit/ Czichos, R. (2014).Change Management. Freiburg im Breisgau: Haufe-Lexware. Have, S. (2017).Reconsidering change management. New York: Routledge. Hill Knowlton launches Change Internal Communications offering - WPP. (2017).Wpp.com. Retrieved 23 October 2017, from https://www.wpp.com/wpp/press/2008/feb/19/hill-knowlton-launches-change-internal/ Major agency restructuring continues with changes at Publicis, WPP. (2017).Marketing Dive. Retrieved 23 October 2017, from https://www.marketingdive.com/news/major-agency-restructuring-continues-with-changes-at-publicis-wpp/446570/ PR: What to Do When the Public Does Most of the Relating by John H. Bell - WPP. (2017).Wpp.com. Retrieved 23 October 2017, from https://www.wpp.com/wpp/marketing/publicrelations/public-relations-is-changing/ Sanoubar, N., Forghani Bajestani, M. (2015). Organizational Change Cynicism.Change Management: An International Journal,15(2), 19-33. https://dx.doi.org/10.18848/2327-798x/cgp/v15i02/50770 Shaw, D. (2015). Managing dualities in organizational change projects.Journal Of Change Management,16(3), 201-222. https://dx.doi.org/10.1080/14697017.2015.1118142 What Is Change Management? | Prosci. (2017).Prosci.com. Retrieved 23 October 2017, from https://www.prosci.com/change-management/what-is-change-management

Vertical analysis free essay sample

A method of financial statement analysis in which each entry for each of the three major categories of accounts (assets, liabilities and equities) in a balance sheet is represented as a proportion of the total account. The main advantage of vertical analysis is that the balance sheets of businesses of all sizes can easily be compared. It also makes it easy to see relative annual changes within one business. For example, suppose XYZ Corp. has three assets: cash and cash equivalents (worth $3 million), inventory (worth $8 million), and property (worth $9 million). If vertical analysis is used, the asset column will look like: Cash and cash equivalents: 15% Inventory: 40% Property: 45% This method of analysis contrasts with horizontal analysis, which uses one years worth of entries as a baseline while every other year represents differences in terms of changes to that baseline. Vertical Analysis of Financial Statements Vertical analysis of financial statements is a technique in which the relationship between items in the same financial is identified by expressing all amounts as a percentage a total amount. We will write a custom essay sample on Vertical analysis or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page This method compares different items to a single item in the same accounting period. The financial statements prepared by using this technique are known as common size financial statements. This analysis is performed on the income statement as well as the balance sheet. Balance Sheet: When applying this method on the balance sheet, all of the three major categories accounts (i. e. assets, liabilities, and equity) are compared to the total assets. All of the balance sheet items are presented as a proportion of the total assets. These percentages are shown along with the absolute currency amounts. For example, suppose a company has three assets; cash worth $4 million, inventory worth $7 million and fixed assets worth $9million. The vertical analysis method will show these as Cash: 20% Inventories: 35% Fixed Assets: 45% Income Statement: And when applying this technique to the income statement, each of the expense is compared to the total sales revenue. The expenses are presented as a proportion of total sales revenue along with the absolute amounts. For example, if the sales revenue of a company is $10 million and the cost of sales is $6 million, the cost of sales will be reported as 60% of the sales revenue. The main advantage of using vertical analysis of financial statements is that income statements and balance sheets of companies of different sizes can be compared. Comparison of absolute amounts of companies of different sizes does not provide useful conclusions about their financial performance and financial position. Usually the vertical analysis is performed for a single accounting period to see the relative proportions of different account balances. But it is also useful to perform vertical analysis over a number of periods to identify changes in accounts over time. It can help to identify unusual changes in the behavior of accounts. For example, if the cost of sales has been consistently 45% in the history, then a sudden new percentage of 60% should catch the attention of analysts. Reasons behind this change should be investigated and then measures should be taken to bring this percentage back to its normal level. SECTION 3: VERTICAL ANALYSIS (COMMON-SIZE ANALYSIS) Vertical/Common-size analysis expresses items in a financial statement as a percentage of a single or base amount. This allows analysis of two or more corporations of varying sizes. The calculations used to determine the answers for the vertical analysis must be included in the appendix. I. For an Income Statement, items are usually expressed as a percentage of revenue. Perform vertical analysis in relation to revenue for the following items in the Income Statement for the current year for each of the two corporations. Current Year Revenue 100% COGS Operating Expense Interest Expense Income Tax Expense Net Income Based on the analysis, how have each of the companies performed relative to the following: †¢ Product or Service Cost Control †¢ Operating Cost Control †¢ Debt Servicing †¢ Tax burden †¢ Profitability II. For a Balance Sheet, vertical analysis is performed by expressing amounts as a percentage of total assets. These percentages are then compared to percentages calculated for another corporation (inter-company analysis). Perform common-size analysis of the following for each of the two corporations. Current Year Current Assets Property, Plant and Equipment All Other Assets TOTAL ASSETS 100% Current Liabilities Total Liabilities Stockholder’s Equity Vertical Analysis of the Income Statement The most common use of vertical analysis in an income statement is to show the various expense line items as a percentage of sales, though it can also be used to show the percentage of different revenue line items that make up total sales. An example of vertical analysis for an income statement is shown in the far right column of the following condensed income statement: $ Totals Percent Sales $1,000,000 100% Cost of goods sold 400,000 40% Gross margin 600,000 60% Salaries and wages 250,000 25% Office rent 50,000 5% Supplies 10,000 1% Utilities 20,000 2% Other expenses 90,000 9% Total expenses 420,000 42% Net profit 180,000 18% The information provided by this income statement format is useful not only for spotting spikes in expenses, but also for determining which expenses are so small that they may not be worthy of much management attention. Vertical Analysis of the Balance Sheet The central issue when creating a vertical analysis of a balance sheet is what to use as the denominator in the percentage calculation. The usual denominator is the asset total, but you can also use the total of all liabilities when calculating all liability line item percentages, and the total of all equity accounts when calculating all equity line item percentages. An example of vertical analysis for a balance sheet is shown in the far right column of the following condensed balance sheet: $ Totals Percent Cash $100,000 10% Accounts receivable 350,000 35% Inventory 150,000 15% Total current assets 600,000 60% Fixed assets 400,000 40% Total assets $1,000,000 100% Accounts payable $180,000 18% Accrued liabilities 70,000 7% Total current liabilities 250,000 25% Notes payable 300,000 30% Total liabilities 550,000 55% Capital stock 200,000 20% Retained earnings 250,000 25% Total equity 450,000 45% Total liabilities and equity $1,000,000 100% The information provided by this balance sheet format is useful for noting changes in a companys investment in working capital and fixed assets over time, which may indicate an altered business model that requires a different amount of ongoing funding.

Dionysus Is the Greek God of Wine and Drunken Revelry

Dionysus Is the Greek God of Wine and Drunken Revelry Dionysus is the god of wine and drunken revelry in Greek mythology. He is a patron of the theater and an agricultural/fertility god. He was sometimes at the heart of frenzied madness that led to savage murder. Writers often contrast Dionysus with his half-brother Apollo. Where Apollo personifies the cerebral aspects of mankind, Dionysus represents the libido and gratification. Family of Origin Dionysus was the son of the king of the Greek gods, Zeus, and Semele, the mortal daughter of Cadmus and Harmonia of Thebes [see  map section Ed]. Dionysus is called twice-born because of the unusual manner in which he grew: not only in a womb  but also in a thigh. Dionysus the Twice-Born Hera, queen of the gods, jealous because her husband was playing around (again), took characteristic revenge: She punished the woman. In this case, Semele. Zeus had visited Semele in human form but claimed to be a god. Hera persuaded her that she needed more than his word that he was divine. Zeus knew the sight of him in all his splendor would prove fatal, but he had no choice, so he revealed himself. His lightning brightness killed Semele, but first, Zeus took the unborn from her womb and sewed it inside his thigh. There it gestated until it was time for the birth. Roman Equivalent The Romans often called Dionysus Bacchus or Liber. Attributes Usually, visual representations, like the vase shown, depict the god Dionysus sporting a beard. He is usually ivy-wreathed and wears a chiton and often an animal skin. Other attributes of Dionysus are thyrsus, wine, vines, ivy, panthers, leopards, and theater. Powers Ecstasy madness in his followers, illusion, sexuality, and drunkenness. Sometimes Dionysus is associated with Hades. Dionysus is called the Eater of Raw Flesh. Companions of Dionysus Dionysus is usually shown in the company of others who are enjoying the fruit of the vine. Silenus or multiple sileni and nymphs engaged in drinking, flute-playing, dancing, or amorous pursuits are the most common companions. Depictions of Dionysus may also include Maenads, the human women made mad by the wine god. Sometimes the part-animal companions of Dionysus are called satyrs, whether meaning the same thing as sileni or something else. Sources Ancient sources for Dionysus include Apollodorus, Diodorus Siculus, Euripides, Hesiod, Homer, Hyginus, Nonnius, Ovid, Pausanias, and Strabo. Greek Theater and Dionysus The development of Greek Theater came out of worship of Dionysus in Athens. The major festival at which the competitive tetralogies (three tragedies and a satyr play) were performed was the City Dionysia. This was an important annual event for the democracy. The theater of Dionysus was on the south slope of the Athenian Acropolis and held room for an audience of 17,000. There were also dramatic contests at the Rural Dionysia and the Lenaia festival, whose name is a synonym for maenad, Dionysus frenzied worshipers. Plays were also performed at the Anthesteria festival, which honored Dionysus as the god of wine.

Printable Worksheets, Projects and Forms for Homeschooling

Printable Worksheets, Projects and Forms for Homeschooling Printables by Subject: Fine Arts | Language Arts | Math | Science | History | Geography |P.E., Health, Safety Nutrition | Misc. Themes | Holidays | Homeschool Forms Printable worksheets for your students. Add these free printable worksheets, activity pages and coloring pages to your homeschool day for variety and fun. Holidays Printable Worksheets: Back to School PrintablesBlack History Month - Famous FirstsChristmas Symbols PrintablesTwelve Days of Christmas Printables12 Days of Christmas Coloring BookSanta and Other Traditions PrintablesChristmas - Nativity PrintablesCinco de MayoColumbus Day PrintablesEarth DayEasterEaster - religiousFathers Day Coupon Book and PrintablesFlag Day PrintablesFourth of JulyGroundhog Day PrintablesHalloween PrintablesHanukkahKwanzaaLabor Day PrintablesMardi Gras PrintablesMartin Luther King, Jr PrintablesMemorial Day PrintablesMothers Day Coupon Book and PrintablesNew Years PrintablesPassoverPresidents Day:~ George Washington~ Abraham LincolnSt Patricks DayThanksgiving PrintablesValentines DayVeterans Day PrintablesWomens History Month - Famous Firsts Fine Arts: Grandma Moses Coloring PageMusic Basics PrintablesMusical Instruments Printable Coloring Book Printable Homeschool Forms: Â  Printable Coloring Calendars 2011/12 School Year - August 2011 to July 2012Coloring Calendars 2011 - January - DecemberHomeschool Record Keeping FormsMy Kindergarten PortfolioMy Memory BookScience Report FormsSpecial Needs Forms Geography Printable Worksheets: Geography PrintablesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNunavut Health, Safety Nutrition Printable Worksheets: Dental HealthEat Your Vegetables History Printable Worksheets: Abraham LincolnBenjamin FranklinBlack History Month - Famous FirstsCaptain John Smith Coloring PageCivil WarConestoga WagonFirst Ladies of the U.S. Coloring PagesGeorge WashingtonJohnny Appleseed PrintablesLascaux Cave Paintings Coloring PageMark Antony Coloring PageMartin Luther King, Jr.Medieval TimesNative Americans of North America PrintablesNative American Research and Display FormsPaul BunyanPioneer LifePresidential ElectionPresidential InaugurationPresidents of the United States Worksheets and Coloring PagesRoute 66 Unit and Printables - Fantastic addition to the movie CarsUncle Sam Coloring PageWomens History Month - Famous Firsts Language Arts Printable Worksheets: Alphabet Coloring BooksHandwriting Practice PagesBiography Lesson Plan;Blog Writing ProjectDr SeussParts of Speech Math Printable Worksheets: Counting Pennies and NickelsCounting Dimes, Quarters and Half-dollarsAddition and Multiplication TablesTelling Time to the HourTelling Time to the Half HourTelling Time to the Quarter HourTelling Time to 10 minutes, 5 minutes, and 1 minuteTime Passage to the Hour, Half-hour, and Quarter-hour Physical Education Printable Worksheets: Aquatics: Diving, Swimming, Synchronized Swimming, Water PoloArcheryAthleticsBadmintonBaseballBasketballBoxingCanoe/KayakCyclingEquestrianFencingFootballGymnasticsHandballHockeyJudoMarathon Race Coloring PageModern PentathlonRowingSailingShootingSoftballTable TennisTaekwondoTennisTriathlonVolleyballWeightliftingWrestlingWalking LogWinter OlympicsWinter Olympics Coloring PagesYo-yo Unit and Printables Science Printable Worksheets: Science Report FormsBees PrintablesBirds PrintablesCreepy CrawliesDinosaur PrintablesEarthquake PreparednessAlbert EinsteinMagnetsNewtons Laws of MotionSimple MachinesSimple Machines Coloring BookReptiles Reptiles Coloring BookSolar System VolcanoWeather Seasons: SpringSummerFallWinter Sea Animals: Clam Printables; Clams Unit StudyCrab Printables; Crabs Unit StudyDolphin Printables; Dolphin Unit StudyEel Printables; Eel Unit StudyJellyfish Printables; Jellyfish Unit StudyLobster Printables; Lobster Unit StudyManatee Printables; Manatee Unit StudyOctopus Printables; Octopus Unit StudyRay Printables; Rays Unit StudySeahorse Printables; Seahorse Unit StudySea Turtle Printables; Sea Turtle Unit StudyShark PrintablesSytarfish Printables; Starfish Unit StudyWhale Printables; Whales Unit Study Travel and Transportation: Camping PrintablesStudebaker Cars Coloring PageTrains Coloring BookTrains PrintablesTravel Activity BookTravel Bingo Unit Study Printable Worksheets: Fire Prevention PrintablesMaple Syrup PrintablesKids Surveys - Surveys for Kids by KidsLets Play LibraryLets Play RestaurantLets Play StoreMy Kindergarten PortfolioMy Memory Book

Iphone Software design Essay Example | Topics and Well Written Essays - 1000 words

Iphone Software design - Essay Example This application would facilitate the youngster using Smartphone to select and edit the jackets colours; and would also be able to interact with the designers and participate in the discussions’ forum through an easy to use interface of the application. The potential users of the application are youth using Smartphone want a user friendly interface so that they can navigate through the application easily. The users of the application should be informed accordingly through the interface regarding what is going on in the application. The interface elements, contents, etc. of the application should be familiar to the users; consistent and appropriate standards should be applied to the interface, so that the users would recognise the elements rather than; they recall the elements. As the application will be running on top of the iOS and it is not as fast as the computer/laptops, therefore, the application should be simple with fewer graphics (Nielsen, 2005). The essential features of the application include: the user will be capable of searching the designs of the jackets through an easy to use interface of the application. The users will be able to create profile, login the application securely, read and add comments on the jacket designs (only members). The user will have options of viewing and changing the size and colours of the jackets as well. The desirable features of the application include: options of purchasing the jackets (secure transactions) through PayPal, credit card, etc., interaction with designers, enhancing the designing functionality to 3D view, the options of wearing the jackets on the original pictures of the users. The start-up navigation of the application would be similar with Google’s website navigation with advance search options of colours, designers, size, etc. The horizontal bar navigation would be available at the top of the application after logging into the application,

The Graduate Labor Market of The Banking Industry Of The United Essay

The Graduate Labor Market of The Banking Industry Of The United Kingdom - Essay Example cruiting fewer graduates now after a consistent increase over the past three years but it seams this trend has peaked and they are recruiting lesser numbers than was the trend before. They continue to point out that the UK’s leading graduate absorbers including the banking sector have had their intake vacancies increased by only 0.9% in the year 2012 unlike in 2011which witnessed an increase of 2.8% or 2010 which grew by 6.7%. Despite the slowdown, it is still plain to see there has been a steady increase of employment for graduates for three years in a row (King, 2012). The total number of graduates in 2011 rose but a third of all the available positions for most employers including the banking sectors; was taken by graduates that had prior association with working for the employers in question (King, 2012). This was either through sponsorships, industrial placements or vacation work. This trend meant that those that failed to secure these opportunities early ended up being l ocked out of these companies (Butcher, 2010). Big traditional banking graduate recruiters are not the only companies that graduates can work for. Smaller and medium sized banking related companies (SMEs) make up about 99% of UK businesses which is true for the banking sector as well and they offer a chance for graduates to secure employment as well. Another way out is to look for avenues where the graduates can put their skills into work for themselves and to make the most of their qualification and skills (Glen, 2007). Butcher, S 2010, ‘Yes, the Future of Banking Commission’s report is crazy, but it could be VERY good news for some jobs’. eFinancial Careers [Available Online] http://news.efinancialcareers.com/19711/yes-the-future-of-banking-commissions-report-is-crazy-but-it-could-be-very-good-news-for-some-jobs/ accessed on 25 October,

1900s Immigration Cruelty Essay Example for Free

1900s Immigration Cruelty Essay For immigrants, life was as bad in America as it was in their homeland. Immigrants faced equally rough conditions no matter where they were. Life was terribly unfair to them. When life got as bad as it did for immigrants, as anyone would, they wanted to distance themselves from the problems. America seemed like the most ideal place to go. Unfortunately, life was no better there than it had been. Even in a prosperous land, immigrants still faced racism and rough conditions. Their lives were full of obstacles. Immigrants emigrated for a variety of reasons, some political, others to escape war, or (in the case of the Irish) famine, but they all emigrated for one common reason; their lives were terrible. People would not leave their family and entire lives behind unless things had gotten so bad that they absolutely had to in order to survive. â€Å"We must look at what immigration to America involves. To the new arrivals, the change is excruciating. Learning a new language and dealing with strange customs make the first years of life in the new land painful The economic system of the United States is a mighty engine of persuasion. It motivates people to do what otherwise they never would †. John Lacs references to this in his essay From Enemies to Neighbors, which explains the troubles with immigrantion. (Lacs) Immigrants faced horrifying conditions, some were near death from lack of food, others were being hunted, or some had just ran out of money; but, they all decided they needed to leave. In the early 1900s, the Irish were in the middle of a famine, Eastern Europeans were facing economic issues, and Jews from all over Europe were being persecuted. Greedy American business owners thought up a way to capitalize on their misfortune, fliers and pamphlets were shipped to troubled countries all over the world by the thousands, these advertised a glorious, prosperous life in America, immigrants were offered large amounts of cheap land. The streets of America were said to be paved with gold. Sounds like a great opportunity to leave behind a hard life, right? (Eyewitness) (Lipford, Timmer, Stephenson, Kwan) Wrong. Life in America was just as bad. The journey over was horrific, immigrants spent months in dank, rat invested ships; but, immigrants hought, â€Å"life will be better when we arrive, right? †. Wrong again, an Italian immigrant said, â€Å"I came to America because I heard the streets were paved with gold. When I got here, I [learned] three things. First, the streets [were not] paved with gold; second, they [were not] paved at all; third, I was expected to pave them†. Upon arriving in America, immigrants were forced to live in shacks, basements, or the horrendous tenements. Good work was difficult to find, when any work was found it was generally backbreaking work for mere pennies a day. A Chinese rail worker said, â€Å"Two extra hours a day, sixty extra hours a month for four dollars. A human body [can not] work that way. † Immigrants lived in slums and ate slop for food. In short, life was not good. At least in their homeland they were not ostracized and ridiculed for the way they dressed, spoke, and acted, as they were in America. Many immigrants were considered worse, if not as bad as the slaves that had been brought to America in its early years. Many immigrants who were Caucasian were called â€Å"white niggers†. When immigrants came to America, they were stripped of their rights. They could not vote, become citizens, or even live in certain neighborhoods or states. This hate towards immigrants was legally sanctioned. This was a shock to many, they had been used to being allowed these simple liberties and now had none of them. (Lipford, Timmer, Stephenson, Kwan) The immigrants of the early 1900s moved for a reason, in their homeland life was not kind to them. Once they arrived in America, they learned something; life was generally just as bad here as it had been back in their native country. Granted, life did improved slightly; because, life was difficult for different reasons. In their homelands, the threat of death was immediate, some did not know whether they would be alive one day, or dead the next. Dictators, enemies or mother nature were trying to kill them. In America, even though there was no famine or dictators, they still had other races, or racist clans and prejudice Americans making life a difficult one. Immigrants already had enough trouble immersing themselves in a completely different culture with completely different customs, without racists tormenting them everywhere they went. Food was abundant, usually poor quality slop, if you could pay for it. Immigrants were notorious to work incredibly hard for mere scraps. This injustice still occurs, even today in uch a modernized age, the work of poor immigrants is exploited so factory owners and businessmen can make a quick buck. Immigrants were nearly killed at home, just to take an awful journey to a prejudice country where businessmen and con artists swindled them out of the little money they had. Willa Cathers book My Antonia, describes this perfectly. In her book, a poor immigrant family arrives in america, only to pay ridiculous prices for simple things, swindling these poor trusting people out of their tiny savings (My Antonia). Immigrants usually lived in places generally worse than before, and had about the same amount of food. Life was equally repulsive no matter where these poor souls went. (Eyewitness) In the long run, life was really no better than it had previously been. Even though life had been rough for different reasons, the level of difficultly was very close to the same. The life of an immigrant was not a good one, it may have improved slightly, but in a long term point of view, things were no better. Regardless of whether immigrants were in America, or living in their original countries, their lives did not improve. No matter where they were, life was hard.

Mother Courage Essay -- essays research papers

Mother Courage   Ã‚  Ã‚  Ã‚  Ã‚  It’s always important to be touched. Writers know and understand this idea. Whether the audience feels good or bad about whom or what you present is not as important as the fact that they feel something. Bertolt Brecht’s Mother Courage and Her Children is a perfect example of a work that doesn’t leave us in very high spirits but touches us in such a way that it becomes even more powerful than if it had.   Ã‚  Ã‚  Ã‚  Ã‚  Throughout the play the title character, Mother Courage, is presented to us in such a way that the reader is usually left not knowing how to feel. We have with two choices. On the one hand she can be a money grubbing, self concerned woman who only cares about herself and those directly related to her money. On the other hand she can be considerate and caring mother who only wants to protect her children. It’s an issue the reader wrestles with many times over the course of the play.   Ã‚  Ã‚  Ã‚  Ã‚  If you take everything at face value it seems that all Mother Courage is driven by is profit. But then one has to think . . . What’s is her motive? Is it her children? Are we completely misinterpreting Mother Courage’s intentions? Consider this: Mother Courage throughout the war does what she can to keep her daughter Kattrin â€Å"innocent.† Now as awful as it sounds prostitution is a pretty lucrative business. If Mother Courage was only driven by profit wouldn’t she decide that maybe selling Kattrin...

Telecommunications Law

Telecom Law and Regulation Professor: David Olson September 14, 2012 Week 2 Case Study What is the natural monopoly ? Natural Monopoly is a monopoly that exists because the cost of producing the product (i. e. , a good or a service) is lower due to economies of scale if there is just a single producer than if there are several competing producers. (http://www. linfo. org/natural_monopoly. html) Today, telecommunications technology affects lives to a greater degree than ever before.Communication has evolved over many years from the earliest attempts at verbal communication to the use of sophisticated technology to enhance the ability to communicate effectively with others. A natural monopoly is said to exist in an market where the costs of production are such that it is less expensive for demand to be bet by one firm than it would be for that same demand to be met by more than one firm (Benjamin et al. , 2005).Every time a telephone call is made, a television is watched, or a personal computer is used, benefits of telecommunication technologies are being received. The American television industry is presently undergoing rapid change. Where once there was a limit on viewing options imposed by scarcity of electro-magnetic spectrum, confining most views to handful of channels that were dominated by three COM distribution systems, cable television is emerging now as â€Å" the television of abundance,† (Sloan Commission, New York 1981).A natural monopoly is said to exist in any market where the costs of production are such that it is less expensive for demand to be met by one firm than it would be for that same demand to be met by more than one firm (Benjamin et al. , 2005). Examples of natural monopolies are railway systems and telephones systems. All the phones should be connected and network together to attain the highest benefit. The monopoly is called natural because many competitors in these markets tend to die out leaving just one or a few providers fo r any given geographic area.But, the essence of the concept of a natural monopoly is there, that these are markets that end to have one or few providers. I believe that the government should treat telephones, cable and/or broadcasting companies has a natural monopoly. The technology industry has been a major problem in areas of the United States. Before wireless transmission really ever became a reality, cable was the ruler. After reading and viewing information about this topic customers live in around of the U. S.A that have limited cable service providers in their area and there is only one Cable Company to choose from which proves a natural monopoly. It has been verified time and time again about the lack of competition, the patrons are the ones who pay more for cable services. More over, the absences of superiority programming that the providers were not motivated to provide better service to consumers. The Commission is not the only regulatory authority showing interest in cab le television over the years. Local government has also been quite active in the regulation of local cable providers.Indeed, local governments for a long time insisted that cable providers apply to them for permission to be a local â€Å"cable franchisee† and local governments would often extract costly concessions from cable providers in exchange for granting those franchise rights (Benjamin et al. , 2005) The notion of having competition may end up costing more doesn't prove to be true in most cases, in general having the opportunity to choose the best providers with what is needed on service is far better than having dismal programming and choices.It is in the preferences and providers having all the choices for the consumers that are of benefit and one that is a win-win. Competition does not necessarily prove the notion that it costs more for hardware and software, that these are designed to be able to provide maximum number of customers. The concept of telecommunications may be defined as the transmission of information from one location to another by electronic means. Telecommunications is using electronic systems to communicate. Life is constantly changing and has been shifting faster since the rapid advancements in telecommunication.For the reason that ongoing attempts to find improved and supplementary efficient ways to communicate, the process of communication has gradually enhanced and I believe it will continue to do so. References: The Linux Information Project (2005). Natural Monopoly Definition. Retrieved 9/11/2012 from http:// (http://www. linfo. org/natural_monopoly. html) Benjamin, Douglas Gary Lichtman, Howard Shelanski, and Philip J. Weiser, (2006). Telecommunications Law and Policy Sloan Commission, (1981). On the Cable: The Television of Abundance

She Stoops to Conquer- Male Characters

‘Through a close analysis of the presentation of at least two of the plays male characters, show how Goldsmith presents attitudes towards women in the play’ Oliver Goldsmith has cleverly composed an exceptionally successful comedic play, belonging to the Pastoral Genre, comprising of many key themes and ideas including that of the attitudes of males toward females, the social divide between the lower and upper class and the idea of progress and tradition.Through the numerous linguistic and dramatic devices including dramatic incitement and comedic language, Goldsmith is able to portray the attitudes displayed by the male characters such as Mr Hardcastle, Charles Marlow and George Hastings towards women within the play. Firstly, the fictitious Mr Hardcastle shows varying attitudes towards women in the play. We initially see a very traditional and prude attitude towards his daughter, Kate Hardcastle.Goldsmith implies that Mr Hardcastle has a very traditional, typically pas toral view towards women in the sense that they should be the pinnacle of youth and beauty, but also very pure and simple, all attributes which relate back to the pastoral. This is shown when Mr Hardcastle encourages Kate to dress in what he believes to be appropriate- ‘Blessings on my pretty innocence! Drest out as usual, my Kate. Goodness! What quantity of superfluous silk has thou got about thee, girl! In this sense, we see Mr Hardcastle appear very traditional and extremely authoritative over Kate, suggesting a strict attitude. Mr Hardcastle appears to believe that his orders should be followed by the women, as he has power over them once again implying that women are innocent, pure and a reflection of Eve, revealing key elements to the pastoral. Although within the Exposition stage of the play, we see Kate abide by her fathers wishes- ‘in the evening, I put on my house-wife’s dress to please you’, Mr Hardcastle displays an alternative attitude over wom en, implying he is very respectful and caring.This is shown when he informs Kate- ‘If he be what he has shewn himself, I’m determined he shall never have my consent’, suggesting that although Mr Hardcastle upholds extremely traditional values, he is willing to put them aside to ensure the happiness of his daughter, displaying a more modernised, protective attitude towards women. Goldsmith is able to show attitudes towards women through the character of Charles Marlow. In the Complication stage of the play, Goldsmith introduces ‘Comedy of Manners’, which explores codes of behaviour in sections of upper and middle class to display Marlow’s conflicting attitudes towards women.As we see Kate transform and disguise into a lower class barmaid, the audience are equally surprised to see the change in Marlow’s behaviour and attitude as he goes from being a nervous, ‘bumbling fool’, to an over confident, boastful man, who is certainl y not shy around women of a lower class, often treating them with an air of great disrespect, as though they are merely a possession to him- ‘I vow, child, you are vastly handsome’.Marlow appears to have a differing attitude depending on the class in which women belong. As he greets Kate as someone who belongs to the upper class, he is respectful and has a gentlemanly manner, referring to her as ‘Madam’. Through this we see Marlow appear to be very insecure and intimidated, suggesting that he has an enormous sense of inferiority when it comes to upper class women.Despite this, Marlow displays a change in attitude towards the female character of Kate when she disguises herself as a barmaid, suggesting he views women as being merely a possession for men to do what they wish- ‘If you keep me at this distance, how is it possible you and I can ever be acquainted’. Through this characterisation, Goldsmith presents ‘class conflict’, maske d with an element of comedy and farce to reveal Marlow’s view upon women. Finally, Goldsmith presents a very traditional view upon women through the characterisation of George Hastings.From the exposition of the play, we learn that Hastings is deeply in love with Miss Constance Neville, whom he is desperate to marry. Hastings appears to be attracted to Constance initially because of her undoubtable beauty and youth, purity and innocence, which are all aspect of pastoral. As Constance informs Hastings that she cannot marry him until she has claimed her jewels, we see that Hastings wants to be the one to provide for her, suggesting a traditional and protective attitude, as he states materialistic goods are not needed- ‘Perish all the baubles!Your person is all I desire’. Goldsmith presents a romantic, optimistic attitude over women and marriage in the view of Hastings. Despite this, we also learn that Hastings views women as something with which he can relieve his teasing and flirtatious nature, which is shown when he is seen complimenting Mrs Hardcastle with sarcasm- ‘extremely elegant and degagee, upon my word, Madam’.With the use of ‘Parody’, Hastings implies that although he upholds traditional values, he views women to be gullible creatures, whom he can mock and tease, although in a light hearted and mischievous, comedic sense. Overall, through the use of dramatic incitement, characterisation and various types of comedy including Parody, Farce and Comedy of Manners, Goldsmith has cleverly presented the typical attitude males had over women at the time in which the play was written.All of the male characters within the play share similar attitudes in the sense that they have power and status over the women within the play, as they are typically viewed as being innocent and pure in a pastoral sense, however in some ways the audience will see that this is beginning to change as women’s roles are evolving. At times women appear to be more powerful than the men within the play, such as how Kate is able to deceive and trick Marlow into believing she was a barmaid. Goldsmith has presented a traditional, yet respectful attitude towards women through the play in its entirety.

Gothicism and A Rose for Emily

Gothicism and A Rose for Emily Free Online Research Papers Southern Gothic literature is a sub-genre of the Gothic writing style. This style of writing usually centers on grotesque, mysterious, and desolate characters and settings. Writers of Southern Gothicism examine the decay of the old south and the families that went along with it. Usually, the main character has some kind of deep dark family secret, and has become reclusive. Writers of this genre create empathy for its characters while also hinting at an underlying horror. Therefore, there is no distinction between who is good and who is bad. William Faulkner’s â€Å"A Rose for Emily† does a great job of demonstrating southern gothic literature by defining a stereotypical gothic character, creating a decaying southern setting, and revealing a looming family secret. Miss Emily Greirson, in Faulkner’s â€Å"A Rose for Emily† is a stereotypical Southern Gothic character. She comes from a well-to-do family who once stood among the elite of the South. This â€Å"old south† is now decaying, as is Miss Emily. Although times are changing, Miss Emily will not. She still insists on being held at a higher rank than everyone else. When presented with the idea of paying her taxes, Miss Emily says â€Å"See Colonel Sartoris. I have no taxes in Jefferson† (131, paragraph 12). She believes that she is above the law just because of who she is or was. Miss Emily is described in her later years in a very gothic, morbid way, â€Å"a small, fat woman in black†¦leaning on an ebony cane with a tarnished gold heart† (131, paragraph 6). Also, it is important to note that after her father passed away and her lover â€Å"left†, Miss Emily slipped into a life of seclusion and never left her home. She became the decay ing, morbid character of a Southern Gothic story. Furthermore, the story’s setting is that of typical southern gothic literature. The story takes place in Jefferson, a town somewhere in the south, which was the site of a civil war battle. This goes along with the Southern Gothic theme of waning societies in the aftermath of the civil war. Also, Miss Emily’s house is a symbol of the decline of the wealthy in Jefferson. Her home, which was once among the other elite homes in Jefferson, is now the only one left standing and it is decaying and falling apart. â€Å"Only Miss Emily’s house was left, lifting its stubborn and coquettish decay above the cotton wagons and the gasoline pumps-an eye sore among eyesores† (130, paragraph 2). The interior of Miss Emily’s house is also bordering the eerie. When the city authorities, and after her death, all the funeral attendees enter her home, they are taken aback by the lack of cleanliness. The home is described as dim and â€Å"It smelled of dust and d isuse-a close, dank smell†¦It was furnished in heavy, leather-covered furniture†¦they could see that the leather was cracked; and when whey sat down, a faint dust rose sluggishly about their thighs, spinning with slow motes in the single sun-ray† (131, paragraph 5). There is also mention of dust and a â€Å"thin acrid pall as of the tomb seemed to lie everywhere upon this room† (135, paragraph 57) when the proprietors enter the room upstairs in which no one had entered in forty years. These observations of Miss Emily’s home help to create a morbid setting which supports the gothic themed story. In addition, at various points in â€Å"A Rose for Emily† there are connotations that a looming family secret will be coming out. There are some suggestions that her father was a very condescending man who was very controlling over her life, resulting in Miss Emily never marrying. Also, she buys arsenic, a very foreshadowing event that tells that something bad may happen. Faulkner delivers the goods at the end of his story by letting out a whopper of a family secret. First, that the long lost Mr. Barron has been dead and decaying in Miss Emily’s upstairs room, which has been kept like a bridal suite for all these years. Second, they find even more disturbing clues as to what exactly had been going on. â€Å"Then we noticed that in the second pillow was the indentation of a head. One of us lifted something from it, and leaning forward, that faint and invisible dust dry and acrid in the nostrils, we saw a long strand of iron-gray hair† (135, paragraph 60). At this time the story has revealed, in a truly gothic fashion, a very disturbing picture of Miss Emily sleeping next to the deceased Homer Barron, whom she was likely to have murdered herself. And so, in literature there are many genres, but none which have captured the ideals and overall feelings of despondence better than the Southern Gothic. Faulkner has truly embodied the gothic nature in â€Å"A Rose for Emily†. He provided a setting, a character, and the darkness that comes with that character, all of which made â€Å"A Rose for Emily† a perfect example of Southern Gothic literature. Research Papers on Gothicism and â€Å"A Rose for Emily†19 Century Society: A Deeply Divided EraThe Masque of the Red Death Room meaningsHonest Iagos Truth through DeceptionNever Been Kicked Out of a Place This NiceMind TravelBringing Democracy to AfricaHarry Potter and the Deathly Hallows EssayThe Effects of Illegal ImmigrationCanaanite Influence on the Early Israelite ReligionWhere Wild and West Meet

Stink Bomb Recipes - How to Make Your Own

Stink Bomb Recipes - How to Make Your Own Stink bombs smell terrible, but they are also fun. Here are instructions for how to use everyday materials to make your own stink bombs. Classic Egg Stink Bomb Recipe Eggs (fresh or hardboiled)Heavy duty needle or pin One version of this results from hiding Easter eggs really well, so that you find them when youre changing the air filter for your air conditioner in the summer. Did you catch my I have personal experience tone? If you want to recreate the stench on purpose you dont have to boil the eggs. Just use a heavy duty pin or needle to poke through the shell of the egg. You can leave the egg in the sun to putrefy, wrapped in foil if you like. I have read that if you want to keep this stink bomb for an extended period of time, it helps to store the egg in salt. I dont know for sure. I am sure when you throw or crush the egg you can expect the usual hydrogen sulfide stink and possibly some nasty odors of decay. This is probably your safest stink bomb. Hydrogen sulfide, which is the source of the famous rotten egg smell deadens your sense of smell and can be toxic in high doses. Your average rotten egg doesnt pose any major health hazard (unless you eat it), but in general you dont want to breat he in sulfur-based gases. Nasty Burning Hair Rubber Stink Bomb Hair or furRubber bandsNewspaper or notebook paperMatches or a lighter If rotten eggs arent stinky enough for you, you can wad up some hair (human hair, cat fur, dog hair... all equally disgusting), secure the hair with rubber bands, wrap the mass in notebook paper, and set it alight. Youll get suspended, since the only reason anyone uses this type of stink bomb is for a school prank. Personally, I recommend you stick with rotting seafood or or a bad egg, since burning rubber probably generates some toxic compounds. Prank stink bombs usually release ammonium sulfide. Its fairly easy to make an ammonium sulfide stink bomb, but its not as safe as throwing a rotten egg or burning hair. Disclaimer: Please be advised that the content provided by our website is for EDUCATIONAL PURPOSES ONLY.  Fireworks and the chemicals contained within them are dangerous and should always be handled with care and used with common sense.  By using this website you acknowledge that ThoughtCo., its parent About, Inc. (a/k/a Dotdash), and IAC/InterActive Corp. shall have no liability for any damages, injuries, or other legal matters caused by your use of fireworks or the knowledge or application of the information on this website.  The providers of this content specifically do not condone using fireworks for disruptive, unsafe, illegal, or destructive purposes. You are responsible for following all applicable laws before using or applying the information provided on this website.

Heritage Assessment Assignment Example | Topics and Well Written Essays - 500 words

Heritage Assessment - Assignment Example The music called compas has been passed down to my children. They know many of the lyrics to the music I listen to. I have also maintained the Haitian language. It is French Creole. As a result I speak French, Spanish, Creole, and English. The religion practiced in Haiti and here for my family is Baptist. Religion is very important to me. Although I live in the United States, I have not forgotten where I have come from. My religion, food, family, and culture are deeply rooted in Haiti. Although my family came to the United States for greater opportunities, this never impacted my feelings about my culture. I am Haitian. My traditions and beliefs have remained strongly rooted in my birthplace. My large family is unique in American culture. Coming from a large family has helped me understand sacrifice, love, and tradition. I will admit that I have become Americanized to a degree, but I will always be Haitian. That is the good thing about America. I can live here, but still retain my own culture. My ethnic, cultural, and religious heritage will be useful to my healthcare related career in many ways. The first way my ethnic, cultural, and religious heritage will be useful is by knowing the Haitian people. For example, many Haitian children are not vaccinated. When I encounter a parent or child from Haiti that would be one of the first questions I ask. Another question would be if the patient from Haiti had a TB test. Haiti has a higher rate of TB than other countries. Other healthcare providers might not know these facts. Informing my colleges and fellow Haitians would help patients better understand each other. Sometimes Haitians that have newly arrived do not trust the government, medical staff, or others due to immigration status. If it is revealed that the child or adult does not have immunizations or a TB scan, the patient might feel that INES might be called. This can be very dangerous to the patient and everybody in contact with the patient. I would be

Teaching Methods in our Public Schools Essay Example | Topics and Well Written Essays - 500 words

Teaching Methods in our Public Schools - Essay Example The study should aim at incorporating various learning styles into the curriculum, which will greatly assist in keeping pace with the modern world. Some of these learning methods include; Discovery learning which is strictly a learner-centered approach. The learner is expected to apply his or her creative skills, draw hypothesis, perform experiments and logically interpret their own data to arrive at well-researched conclusions. The method largely contributes to the learner's cognitive development. Co-operative learning is the second method which calls calls for discussion and mutual exchange of ideas amongst students. It is aimed at promoting teamwork. A research conducted by Johnson (1979) indicates that the method not only assisted the teachers but also was also highly preferred by the students. Lastly, they talks about Digital learning a method which involves the use of modern electronic devices that assist learner in making their work easier for instance in making calculations. Teachers are also trained on how to use these devices which include calculators, computers etc. They also appear to be satisfied with the mode of communication, which includes good relations between them and their leaders. However they are not happy since there is on openness in sharing of knowledge and information.

Final Research Paper Essay Example | Topics and Well Written Essays - 2500 words

Final Research Paper - Essay Example Organizations are also measured by how much operations are differentiated or integrated: Differentiation is the extent to which jobs are specialized, whereas integration shows the extent to which different work units cooperate. how authority is distributed throughout the organization. If that authority, such as over hiring and spending, is concentrated in the upper echelons, the organization is known as being centralized; if it is spread out, it is considered decentralized. No one organizational scheme is better than another; the contingency approach to studying structure deems that "successful organizations develop a structure consistent with the pattern of goals and the strategy established by senior management" (Schermerhorn et al., 2005, 516). During the Reagan era, Microsoft was the scrappy underdog whose staff openly laughed at the moribund IBM. The company went public in 1986. The Office suite of productivity applications for the workplace first appeared in 1989; Windows 3.0 operating system debuted the next year. The young Microsoft fostered an aggressive business environment centered on the personal computer both in the home and in businesses. When the market exploded in the 1990s, the company quickly became so large and so dominant that in 1998, the U.S. Department of Justice sued the company for monopolistic practices. The settlement in 2001 split operations along the Windows and Office lines and forced the company to accept partnerships with rivals like Sun and Netscape (Greene, et al. 2004). The case in and of itself did not hinder Microsoft's growth: The Windows operating system runs on 330 million personal computers around the world, about 90 percent of the PC operating system market. Windows is installed by mo re than 300 PC manufacturers and helps run thousands of peripherals like printers, scanners and increasingly, portable music players. Thousands of software programs by independent developers run on Windows (Lohr & Markoff, 2006). New versions of Windows and Office are scheduled to debut in the near future and the company's new entry into the console gaming market, X-Box 360, debuted last year to generally good reviews. The company is still dealing with antitrust charges in the European Union, though it has recently promised to deal more fairly with competitors (Buck, 2006). Microsoft's policy has been to go through periodic reorganizations, sometimes as often as every two years. Founder and Chairman Bill Gates has said this is a necessary part of the company's strategy. "Even though reorganizations are expected, they still create anxiety for almost everyone, including me," (Bateman & Snell, 2003, p. 267). Though Gates stepped down as chief executive officer in 2000 and handed the reins to current CEO Steve Ballmer, he remains the face of

Portable Banking Advantages and Disadvantages

Portable Banking Advantages and Disadvantages Introduction: Portable Banking is a keeping money handle without bank office which gives monetary administrations to unbanked groups effectively and at reasonable cost. To give managing an account and money related administrations through versatile innovation gadgets i.e. portable or phone called Mobile Banking. Versatile saving money (otherwise called M-Banking, or SMS Banking) is a term utilized for performing parity checks, account exchanges, installments, credit applications and other saving money exchange through a cell phone, for example, cell phone. The framework comprises to pull back cash as well as to exchange cash inside a brief span. This can be led through the web program on the telephone, through a program downloaded from the bank, or by short-informing administration (SMS). Clients in the event that they have cell phone and are enrolled for this can benefit managing an account benefit through utilizing it. Versatile Banking has expanded portability in the keeping money business and it spares time and cost of the customers and bank. The soonest portable managing an account administrations were offered by means of SMS. Versatile Banking alludes to an arrangement and infirmity of saving money and budgetary administrations with the assistance of portable media transmission gadgets Objective of the mobile banking Versatile Banking is a saving money handle without bank office which gives monetary administrations to unbanked groups proficiently and at moderate cost. To give managing an account and money related administrations through versatile innovation gadgets i.e. portable or PDA called Mobile Banking. Portable saving money (otherwise called M-Banking, or SMS Banking) is a term utilized for performing equalization checks, account exchanges, installments, credit applications and other saving money exchange through a cell phone, for example, cell phone. The framework comprises to pull back cash as well as to exchange cash inside a brief timeframe. This can be directed through the web program on the telephone, through a program downloaded from the bank, or by short-informing administration (SMS). Clients on the off chance that they have cell phone and are enlisted for this can benefit saving money benefit through utilizing it. Versatile Banking has expanded portability in the keeping money bus iness and it spares time and cost of the customers and bank. The most punctual portable managing an account administrations were offered through SMS. Portable Banking alludes to an arrangement and disease of saving money and budgetary administrations with the assistance of versatile media transmission gadgets List of mobile Banking: SL.NO Bank Name Product Name 01 Dutch Bangla bank limited (DBBL) Rocket 02 BRAC bank limited Bkash 03 Prime bank limited Easy cash 04 Islamic bank Bangladesh limited mCash 05 Trust bank Mobile money 06 National credit and commerce bank limited Sure cash 07 Bank Asia limited Mobile banking 08 Dhaka bank SMS banking 09 Mercantile bank my cash 10 AB bank SMS banking 11 South east bank SMS banking 12 First security Islamic bank Sure cash 13 Bangladesh commerce bank Sure cash 14 United commercial bank Ucash 15 One bank limited ok Trends in mobile banking:      Ã‚   Versatile Banking is a keeping money prepare without bank office which gives budgetary administrations to unbanked groups productively and at moderate cost. To give managing an account and monetary administrations through portable innovation gadgets i.e. portable or wireless called Mobile Banking. Versatile managing an account (otherwise called M-Banking, or SMS Banking) is a term utilized for performing equalization checks, account exchanges, installments, credit applications and other saving money exchange through a cell phone, for example, cell phone. The framework comprises to pull back cash as well as to exchange cash inside a brief span. This can be led through the web program on the telephone, through a program downloaded from the bank, or by short-informing administration (SMS). Clients on the off chance that they have cell phone and are enrolled for this can benefit keeping money benefit throughOver the most recent couple of years, the portable and remote market has been one of the quickest developing markets on the planet and it is as yet developing at a fast pace. As per the GSM Association and Ovum, the quantity of versatile endorsers surpassed 2 billion in September 2005, and now surpasses 2.5 billion (of which more than 2 billion are GSM). As per a review by monetary consultancy Client, 35% of internet keeping money families will utilize versatile managing an account by 2010, up from under 1% today. Upwards of 70% of bank focus call volume is anticipated to originate from cell phones. Portable saving money will in the long run permit clients to make installments at the physical purpose of offer. Versatile contact less installments will reach less market by 2010. Another review from 2010 by Berg Insight figures that the quantity of portable keeping money clients in the US will develop from 12 million in 2009 to 86 million in 2015. A similar review likewise predicts that the European market will develop from 7 million versatile managing an account clients in 2009 to 115 million clients in 2015. Many trust that portable clients have quite recently begun to completely use the information capacities in their cell phones. In Asian nations like India, China, Bangladesh, Indonesia and Philippines, where versatile foundation is nearly superior to the settled line framework, and in European nations, where cell phone entrance is high (no less than 80% of purchasers utilize a cell phone), portable managing an account is probably going to offer significantly more. utilizing it. Versatile Banking has expanded portability in the managing an account business and it spares time and cost of the customers and bank. The most punctual portable saving money administrations were offered by means of SMS. Versatile Banking alludes to an arrangement and sickness of keeping money and monetary administrations with the assistance of portable media transmission gadgets Classify mobile banking based on the nature of the service: Exchange based administrations, for example, an assets exchange or a bill installment, include development of assets starting with one source then onto the next. o Inquiry-based administrations dont. They basically require a reaction to a client inquiry. The outline beneath abridges these different sorts of versatile managing an account administrations: Pull Transaction Funds transfer Bill payment Share trade Check order Push Inquiry Minimum balance alert Credit/debit alert Bill payment alert Account balance inquiry Account statement inquiry Check status inquiry Transaction history Obviously, push exchanges are not as perplexing as their force partners. Portable keeping money arrangements additionally differ in their level of many-sided quality, and some lone offer a small amount of the administrations you would discover in a blocks and-mortar branch. In this regard, versatile keeping money isnt generally full administration managing an account. The variables that influence this are the kind of telephone being utilized, the administration plan of the versatile endorser and the innovation system of the bank. Weà ¢Ã¢â€š ¬Ã… ¸ll take a gander at these advancements next. History of Mobile Banking in Bangladesh Late improvements have significantly adjusted the saving money scene and changed the connections amongst banks and their clients. This is making it more troublesome for banks to hold resources, secure new stores, strategically pitch items or get new clients. Clients are wanting to remain fundamentally associated with their records, however that is driving up the cost to administration them. Be that as it may, conventional association channels, including most portable saving money arrangements, are à ¢Ã¢â€š ¬Ã… ¾customer reactiveà ¢Ã¢â€š ¬Ã… ¸. Regardless of whether they have an enquiry or require benefit, clients must start contact with the bank. Dutch-Bangla Bank Limited (DBBL) has interestingly presented its portable managing an account benefit extending the saving money benefit from urban communities to remote ranges. Bangladesh Bank Governor Atiur Rahman initiated the administration by keeping Tk 2,000 and pulling back Tk 1,500 through Banglalink and Citycell versatile systems in Motijheel range. Bangladesh Bank has as of now permitted 10 banks to start portable managing an account. Of them DBBL commenced first. Mobile managing an account is a contrasting option to the customary keeping money through which saving money administration can be come to at the doorsteps of the denied segment of the general public, the national bank senator said at an inaugural. squeeze instructions at Hotel Purbani. Atiur Rahman said through portable saving money different keeping money administrations including storing and pulling back cash, installment of service bills and achieving settlement to the beneficiary would be conceivable. By setting off to the DBBL-endorsed Citycell and Banglalink operators all through the nation the supporters on demonstrating essential papers and installment of a charge of Tk 10 can open a record. To benefit of the managing an account administration an endorser will require owning a PDA of any supplier and he will be given a four-digit PIN. By utilizing the PIN he can work a wide range of managing an account administrations including storing and pulling back cash keeping up security and mystery of his record. The client will hand over money to the specialist and the operator will start the exchange from his cell phone, the operator will assist the record holder with doing the keeping money utilizing his PIN. A client can sto re or pull back cash five times each day and he can store or draw Tk 5,000 every day. One percent of the exchange record or Tk 5, whichever is higher, will be taken as trade out charges. If there should be an occurrence of money out the charge will be 2 percent of the exchange sum or Tk 10. Be that as it may, the enrollment expense, compensation and settlement dispensing administrations will be without given of cost. BRAC Bank Limited is set to present versatile keeping money also, a top authority said the administration will empower a large number of managed an account and unbanked individuals to store, pull back and exchange cash through cell phones. BKash, a joint wander between BRAC Bank and US-based Money in Motion, will give versatile managing an account a completely encoded VISA innovation stage for exchanges through cell phones. Any portable client can enlist and open up a bKash record and after that do exchanges through their cell phones in simple, helpful and dependable way. bKash will in a general sense change the way individuals now do exchanges, as all exchanges will be conceivable through cell phones in future, said Syed Mahbubur Rahman, overseeing executive of the bank. Clients wont have to go to the bank; rather the bank will go to them, he said at a question and answer session in Dhaka on the event of its tenth establishing commemoration. The bank said a bKash record will go abou t as a computerized portable wallet and anyone can take the administration. Your cell phone will turn into your wallet. Clients can get money related administrations through telephones, even by the handset that expenses the most reduced, Rahman said. Under an association with UNDP and Local Government Division, bKash is taking off versatile keeping money in 4,501 union parishads in the nation. bKash has effectively marked an arrangement with a main versatile administrator and is in chats with others to empower every portable client at present around 7.5 crore to have individual advanced wallets, said Mamdudur Rashid, delegate overseeing chief of the bank. BRAC Bank propelled its operation 10 years back with the goal of bringing unbanked individuals under formal saving money scope. The plan of action of the bank is to assemble stores from urban ranges and dispense it to provincial zones. The nations most youthful bank has officially set a few records: it has gained more than 12 lak h clients, conveying full managing an account administrations to little and medium ventures, as well as all strata of the saving money industry, said the bank Being the most youthful Bangladeshi bank, we have developed as the biggest SME bank serving around 3.65 lakh business visionaries at grassroots level, an accomplishment that helped worldwide acknowledgment for this Bangladeshi bank, said Rashid The bank puts stock in 3P theory individuals, planet and benefit and has been dynamic in Green keeping money. It has officially turned 22 of its SME Unit Offices sun powered fueled and plans to change over the rest in a similar way by 2012 Advantages of Mobile Banking Individuals utilize versatile saving money as on the grounds that Mobile keeping money offers many points of interest, for example, great security, simple get to and abundant applications for advanced cells. , leader of Javelin Strategy and Research in Pleasanton, Calif. You dont have Internet associations wherever you go. In any case, you do have a portable association. Utilizing portable managing an account people can check all the more effortlessly record adjust from anyplace they are and at any minute. The drawback is that versatile saving money isnt tantamount to it could be. The reason, many administrations are really fundamental. Individuals utilize it to check adjusts and screen funds. Generally, its an expand to the Internet.Reduce cost of touch service: realize tremendous savings by deferring expenses from contact centers or IVRs to the more cost-effective mobile channel. Maximize trust customer retention: increase loyalty by giving customers unprecedented control over their accounts, billing and overall financial health. Drive cross-sell opportunities: deliver cross-sell marketing messages to customers easily and inexpensively via proactive, actionable alerts. Lower total cost of ownership: utilize Mobile across multiple lines of business at the bank (retail, wholesale/treasury, card services, etc.) Expand traditional online banking: offer more services by integrating Mobile into existing online banking systems, including the Portal solutions and other 3rd party applications. Disadvantages of Mobile Banking Security Security specialists for the most part concur that versatile keeping money is more secure than PC saving money on the grounds that not very many infections and Trojans exist for telephones. That does not mean portable keeping money is safe to security dangers, in any case. Portable clients are particularly powerless to a phishing-like trick called smishing. It happens when a versatile keeping money client gets a fake instant message requesting ledger points of interest from a programmer acting like a budgetary foundation. Many individuals have succumbed to this trap and had cash stolen through this trick. Web based managing an account is generally done through an encoded association with the goal that programmers cant read transmitted information, yet consider the results if your cell phone is stolen. While all keeping money applications oblige you to enter a secret word or PIN, many individuals design their cell phones to spare passwords, or utilize uncertain passwords and PINs that are anything but difficult to figure. Compatibility We require an advanced cell to get the most out of versatile keeping money. Versatile saving money is not accessible on each gadget. A few banks dont give versatile saving money by any means. Others oblige you to utilize a custom versatile managing an account application just accessible on the most prevalent advanced cells, for example, the Apple iPhone and RIM Blackberry. Outsider portable managing an account programming is not generally upheld. In the event that you dont possess a PDA, the sorts of portable keeping money you can do are normally constrained. Checking financial balance equalization by means of instant message is not an issue, but rather more propelled components, for example, account exchanges are for the most part not accessible to clients of stupid telephones. Cost The cost of versatile saving money wont not seem noteworthy on the off chance that you as of now have a perfect gadget, however despite everything you have to pay information and content informing charges. Some budgetary establishments charge an additional expense for portable managing an account administration, and you may need to pay an expense for programming. These additional energizes rapidly include, particularly on the off chance that you get to versatile managing an account. Prospect of Mobile Banking in Bangladesh Portable Banking is a procedure of no branch saving money which gives budgetary administrations to unbanked groups in both urban and country region at moderate cost. The point of the administration is not to wreck branch keeping money but rather to bring those individuals under the umbrella of managing an account administration that are far from saving money offices. Government supposes it has an extraordinary prospect as it is another innovation in computerized Bangladesh. Through M-saving money one can profit different administrations i.e.; service charge installment, Fund Transfer, Shopping, Cash Withdrawn from chose ATM or Cash point and numerous all the more energizing offices. Be that as it may, in Bangladesh many individuals think generally, on the grounds that they cant think it has any office to utilization of portable managing an account. SWOT Analysis of mobile Banking To discover the suitability of a specific item we may play out a SWOT Analysis of the item. This will break down the Strengths, Weaknesses, Opportunities and Challenges of the specific item. For dissecting the execution of Mobile Banking in Bangladesh the SWOT Analysis is considered. Strengths Portable Banking is new in our economy. Just a couple banks are presently offering this administration. Through Internet Banking Most of the banks are putting forth just adjust data. Real store exchange and reserve payment is impractical in every one of the banks that are putting forth web saving money administrations. So this item will appreciate the advantage of a first mover. It is shabby both for the banks and the clients. The bank will have the capacity to let down the overhead expenses and make more benefit out of it. The clients will have the capacity to spare time and in addition cash for their exchange needs. Portable Banking an Emerging Issue in Bangladesh 125. Numerous destitute individuals as of now have admittance to cell phones. A positive part of cell phones is that portable systems can achieve remote ranges effortlessly. The poor frequently have more prominent nature and trust with cell phone organizations. Weaknesses The framework will have an issue with the distinguishing proof of the person who is starting the exchange. In Bangladesh, the recognizable proof of an individual is not yet bolstered carefully. So there might be an issue in moving toward versatile keeping money time. Opportunities Non-branch managing an account is getting to be distinctly mainstream in our nation. Many banks are currently offering non branch saving money offices. A man can pull back or store cash in any branch of the bank he has account with. So moving to portable managing an account will permit the banks to offer non-branch keeping money offices. Cell phone is turning out to be extremely regular to us. So an administration offered through the cell phone will be generally acknowledged sooner rather than later. Threat Individuals have worry about security and protection. They get a kick out of the chance to feel their cash with their hand. They really dont have faith in virtual cash exchange. Encourage progressively a portable handset may not effortlessly be worked to deal with saving money exchanges as a large portion of our kin dont have sound mechanical information. In the field of IT new innovation is coming regular. One which is exceptionally well known today may get out of date tomorrow. In this way, to have an aggressive edge over the contenders the banks should dependably refresh their administrations. In any case, the test is to make mindfulness and make it reasonable to potential customers. Features/Mobile Banking Services (In General): Mobile banking can offer services such as the following: Account Information: Mini-statements and checking of account history Alerts on account activity or passing of set thresholds à ¯Ã†â€™Ã‹Å" Monitoring of term deposits Access to loan statements Access to card statements Mutual funds / equity statements Insurance policy management Pension plan management Payment, Deposits, Withdrawals Transfers: Domestic and international fund transfers Micro-payment handling Mobile recharging Commercial payment processing Bill payment processing A specific sequence of SMS messages will enable the system to verify if the client has sufficient funds in his or her wallet and authorize a deposit or withdrawal transaction at the agent. When depositing money, the merchant receives cash and the system credits the clients bank account or mobile wallet. In the same way the client can also withdraw money at the merchant: through exchanging sms to provide authorization, the merchant hands the client cash and debits the merchants account. 3) Investments: Portfolio management services Real-time stock quotes Personalized alerts and notifications on security prices 4) Support: Status of requests for credit, including mortgage approval, and insurance coverage Check (cheque) book and card requests Exchange of data messages and email, including complaint submission and tracking 5) Content Services: General information such as weather updates, news Loyalty-related offers Location-based services Based on a survey conducted by Forrester, mobile banking will be attractive mainly to the younger, more tech-savvy customer segment. A third of mobile phone users say that they may consider performing some kind of financial transaction through their mobile phone. But most of the users are interested in performing basic transactions such as querying for account balance and making bill payment. Mobile banking saves cost and time: The vast majority of your members contended that since portable managing an account is an ongoing on-line keeping money benefit, it is accessible at whatever time, anyplace all through the nation. So it can spare ones opportunity. Individuals have not to hold up by remaining in a long line so it requires less investment than the customary keeping money. For instance, one of the members Khalid Hasan (a University understudy) noticed the accompanying: I am a consistent client of versatile saving money. I live outside of my home for study. Presently I can get cash from my family at whatever point I need. Beforehand regardless of the possibility that I required it on crisis premise however it required some investment to achieve the cash to me. Presently it turns out to be so natural to get the cash quickly when it is pressing. Same contention we found from the majority of the members. For instance, Johra Khatun (a tea stallowner) says that beforehand it was truly extremely intense to send cash to her dad and family in the town yet now with the assistance of versatile managing an account she can do that at whatever point she need and furthermore spare cash. Fatema Begum (an articles of clothing laborer) says that Before I utilize versatile saving money I experienced difficulty in sending cash to my town to bolster my folks and little girl who has been living with her grandparents since I got separated 5years prior. Presently I can send cash to them with no bother. Ease of use: Portable keeping money framework is anything but difficult to utilize. Needy individuals are regularly not considered significant clients by the formal monetary segment as their exchange sizes are little, and many live in remote zones past the scope of banks branch systems. Casual keeping money administrations, for example, microfinance and town funds and credit affiliations stay restricted in their compass. Along these lines, versatile saving money framework creates to bring needy individuals into keeping money framework. Along these lines versatile saving money helps monetary incorporation which is another exploration theme for creative scientists. For instance, our members JohraKhatun say: I run a cafà © and send cash to my dad in the town in consistently. My dad has no wellspring of salary and no ledger, the portable cash exchange framework is a help for him. Versatile keeping money has brought us under the managing an account administrations. With the assistance of this, destitute individuals like us have the chance to get the managing an account offices all the more effectively. Socio-economic development: Portable saving money helps a ton in expanding the portability of cash. With the assistance of this administration saving money office has come to the remote territories of the nation. Country individuals are getting settlement so effortlessly with no bother and can utilize that cash rapidly for their work. It helps a considerable measure for the advancement of financial state of the general population of Bangladesh. For instance, it lessens neediness by diverting the cash exchange rapidly and advantageously. Fatema Begum (an articles of clothing specialist) says: I work in a pieces of clothing manufacturing plant. Presently a-days the greater part of the manufacturing plant pays compensation to their laborers through versatile managing an account and for that they can send that cash promptly to their family living in towns and they can utilize that cash immediately. They can spare that cash in their own particular versatile saving money account. Already when we got our pay close by there was an opportunity to utilize that cash superfluously yet now we can spare and it turns out to be so natural. Problems in Mobile Banking so far: A portion of the respondents surmise that there are a few issues with versatile saving money. Security has been one of the major basic focuses for versatile saving money. Concern has dependably been communicated by different partners with respect to security of this framework. For instance, one of our members contended that he confronted a few issues while utilizing versatile managing an account administrations. For example, he cant revive his cell phone of other portable administrators by utilizing his own versatile keeping money account. So he needs one more record which he supposes cumbersome. Another issue is one cant pull back under 500 tk from operators. One cant send or get more than 30,000 tk in a day or on the off chance that they get that tremendous sum it doesnt know the specialists can give that quite a bit of cash quickly. There is likewise an opportunity to be trailed by individuals when you will come back with an immense measure of cash from the operator and that may b ring about ones life under extreme danger of commandeering. Another member contended that one cant exchange cash starting with one administrator then onto the next administrator. One needs a similar record to send or get cash. He likewise conceives that portable managing an account can be an issue for uneducated one and furthermore for the general population who does not have their own particular record. Some of our members trust that there is a shot of duping by fake back rubs. Individuals send fake back rub that you have gotten a few sums in your record however you have not gotten that and get back to you to send that cash. Anybody can be a casualty of that trick. From the specialists perspective they trust that the commission they are currently getting is almost no and this should be expanded considerably by the administrator banks. A few operators trust that the bank ought to build the commission for the specialist with the goal that they can take this as their primary business. Conclusion It has been expounded that the selection and utilization of cell phones is result of a social procedure, inserted in social practice. These days a great many tenants of Bangladesh are inside a system through portable system scope. M-saving money innovation, the most recent era of electronic managing an account exchanges has turned out to be a standout amongst the most recognizable keeping money highlights, opened up new window of chance to the current banks and budgetary foundations. So in the business segments like managing an account, m-keeping money innovation will get saving money offices hands hold which will make life less demanding, vigorous and adaptable. It is a pressing need to set approaches and procedures to switch holes regarding administrative and legitimate issues.