tag:blogger.com,1999:blog-37678633656147710802024-03-08T05:08:27.374-08:00Write your paperPhysical Security Assessment Essay Samplesmablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.comBlogger36125tag:blogger.com,1999:blog-3767863365614771080.post-44674200480058362012020-08-26T13:43:00.001-07:002020-08-26T13:43:06.037-07:00Equal Opportunities And Managing Diversity Approaches Social Work Essay Essay ExampleEquivalent Opportunities And Managing Diversity Approaches Social Work Essay Example Equivalent Opportunities And Managing Diversity Approaches Social Work Essay Equivalent Opportunities And Managing Diversity Approaches Social Work Essay Look into the qualities and failings of the equivalent possibilities and overseeing assorted variety assaults. Equity approaches developed in the UK in the mid 1980s, after the introduction of the Equal Pay Act ( 1970 ) , Sex Discrimination Act ( 1975 ) and the Race Relations Act ( 1976 ) ( Moreau, Osgood and Halsall, 2008 ; Kirton and Greene, 2010 ) . To a major degree, Equal Opportunities ( EO ) assault is a product of the social liberties movement of the sixtiess and the expansive political tenet ( Webb, 1997 in: Shen et al. , 2009:238 ) . It has now become part of business strategy and measure concern design for some organizations. Customary equivalent possibilities assault worries with cultural justness and remedying insecurities, unfairnesss and blunders from the days gone by ( Thomas, 1990 ) . The cardinal purpose of EO assault has been portrayed as looking for equity ( McDougall, 1996 ) . It means to make a climate where individuals will be dealt with the equivalent and will non be advantaged or burdened on account of their cultural classs. It is expected that the remotion of corporate deterrents to the vibe of single blessing will empower the best single to stand apart ( Jewson and Mason, 1986: 314 ) . In any case, uniformity rule law and approaches have for some time been scrutinized for indicating solid in principle while powerless in design ( Kirton and Greene, 2010 ) . Collinson et Al. ( 1990 ) and Cockburn ( 1991 ) have specified a legion of representations where rule law was being disregarded in everyday examples and the rate of bias in working environment stayed unabated. Webb ( 1977 ) clarifies this spread as an outcome of missing political will hidden the arrangements, institutional fizzling of individuals who complete equity approaches and the nonattendance of balance undertakings support from senior heading. In add-on, as EO assault is established in the cultural and political agenda of the sixtiess and 1970s ( Wilson and Iles, 1996:62 ) , a few bookmans contend that this assault can no longer run into the requests for the new millenary ( Wilson and Iles, 1996 ; Lorbiecki, 2001 ) . Pull offing decent variety ( MD ) , as a movement off from or an other hypothetical record to conventional EEO arrangements and designs or the second coevals of EEO has now procuring increasingly going to ( Thompson, 1997:195 ) . It was non until the in the middle of to late 1990s that MD assault came into way. The principles and closures of MD have been characterized as tolerating the way that the work power is comprised of an assorted populace ( Kandola and Fullerton, 1998 ) . The decent variety takes signifiers of seeable and non-obvious, which incorporates contrasts like sex, age, foundation, race, disablement, character and workstyle ( Kandola and Fullerton, 1998:8 ) . MD assault non simply recognizes however close to qualities and tackles these distinctions. It is accepted that handling these distinctions will make a gainful domain in which everyone feels esteemed, where their gifts are being to the full used and in which authoritative finishes are met ( Kandola and Fullerton, 1998:8 ) . Existing writing on decent variety course can be approximately isolated into two gatherings. The primary gathering position pull offing assorted variety each piece only being another name rather than another assault to rise to risk ( Kirton and Greene, 2010:130 ) . In spite of their compared definition ( Kandola and Fullerton, 1998 ) , whether there is a reasonable hypothetical or pragmatic separation between them is tricky ( Kaler, 2001 ) . The second writing bunch on the different manus, demonstrates significant contrast among EO and MD assault. EO assault begins remotely and is constrained through resolution law, while MD assault begins inside and looks to make an equivalent domain and a to the full comprehensive hierarchical progress ( Gordon, 1995 ) . So, equivalent possibilities can be seen as shows do nt and favors the negative , while pull offing decent variety can be viewed as a develop that demonstrates do and favors the positive ( Mavin and Girling, 2000:423 ) . At the end of the day, EO assault will in general ensure minority gatherings and areas plainly what ought to non been done in the work environment. MD assault, on the different manus, sees decent variety and contrasts as positive properties rather than occupations to be understood ( Thompson, 1997 ) . It will in general closer view people contrast and even recommends that s the point worth watching ( Ross and Schneider, 1992 ) . Kossek et Al. ( 2005 ) reason that MD assault incorporates a committedness to EO assault and have a group more extensive territory. Equivalent possibilities is normally seen as roughly and for grown-up females, social minorities and incapacitated individuals ( Thomas, 1990 ; Ross and Schneider, 1992 ; Kandola and Fullerton, 1998 ) . In the event that one can non suit into at least one of these gatherings, it is so past the lawful intensity of equivalent possibilities ( Kandola and Fullerton, 1998 ) . While assorted variety bearing will in general work out work showcase isolation by turn toing every single distinction caused disparity ( Horwirz, Bowmaker-Falconer and Searll, 1996 ) . Besides, MD assault accentuation that solitary contrasts ought to be esteemed and full used, which is past the legitimate consistence situated equivalent possibility assault ( Shen, 2009:238 ) . The estimation of a different work power has been generally recognized. Lynch ( 1994:32 ) regards assorted variety bearing as the new future-orientated proportionalism , which assists worry with outfitting this segment destiny by purifying white male human progress ( In Kandola and Fullerton, 1998 ) . Cox and Blake ( 1991 ) other than guarantee that solid assorted variety course can chop down authoritative turnover, non-attendance and pull the best campaigners when the work showcase therapists. McLeod, Lobel and Cox ( 1996 ) and Wilson and Iles ( 1999 ) further fight that houses with differing work power performs better in conceptualizing endeavors and nowadayss progressively purposeful conduct contrasting with homogeneous gatherings, which will increase the proficiency, effectivity and benefit of the organization. In a comparative vena, The European Institute for Managing Diversity ( 2000 ) affirms that efficacious decent variety course will increment hierarchical total compensation s by inventive a steady clime for all workers to take divide in and loan, and thus accomplish authoritative points. It is proposed that esteeming decent variety may flexibly organization a start of competitory favorable position and better the nature of authoritative life ( Cassell, 1996 ) . Researchers recommend that whenever oversaw sufficiently, assorted variety course will have the option to back up cardinal authoritative improvement ventures ( Agocs and Burr, 1996 ; Liff and Wajcman, 1996 ; Story, 1999 ) . Exploration led by the Australian Center for International Business affirms that working environment decent variety offers better-quality bearing judgments, innovations and better answers for authoritative employments ( ACIB, 2000 ) . Moreover, organizations might have the option to elevate showcasing capablenesss to reflect and to be increasingly antiphonal to customer segment change through work environment assorted variety ( Shen, 2009:239 ) . Proof demonstrates that house s with solid assorted variety course keep benefitting through primary concern returns. Just like the equivalent possibilities assault, the overseeing assorted variety assault has been scrutinized for guarantee beyond what it can introduce ( Kirton and Greene, 2010:130 ) . Kandola and Fullerton ( 1998 ) fight that the considerable rundown of assumed advantages are hazardous and require farther exploration to break down whether the hypothetical record is effective. Indeed, even to this twenty-four hours, there is still non strong grounds to turn out that decent variety assault is any more forward than the customary balance assault ( Greene and Kirton, 2009 ) . In add-on, there have been a few vulnerabilities about the fundamental reason of pull offing decent variety. Researchers stress that focusing on the distinctions of representatives may transform into a way of affirming lower status and justifying prohibition ( Webb, 1997 ) . The idea of assorted variety use has other than been tested, saying that it may capacity to reenforce the generalization of individuals with v arious cultural foundation ( Kaler, 2001 ) . Moreover, pull offing assorted variety assault has other than been reprimanded for fail to perceive the significance of issues of intensity. It is proposed that the assessments of people or gatherings who have ever been under-spoken to in the days gone by may non be given full going to in the working environment ( Vince and Booth, 1996 ) . By and large, both EO and MD assault has incredible part to worker open help. It is recommended that regardless of the contingent advantages of pull offing decent variety, equivalent possibilities ought to non be supplanted by assorted variety heading. In any case issues refering equivalent possibilities might be lost in the general chase for esteeming all features of contrasts ( Mavin and Girling, 2000:424 ) . This point has been affirmed by Childs ( 1996 ) , saying that there are three columns in IBM ( US ) decent variety house : equivalent possibilities, affirmatory activity and work and individual life balance plans. In this example, EO guarantees representatives to procure equivalent opportunities to be utilized and stay in a provocation free workplace ; affirmatory activity encourages single to strive by dousing drawback ; the work and individual life balance plans tries to stifle any hindrances identifies with disposition, strategy and example, which will follow up on worker p roductiveness and their capacity to equilibrate work and individual life ( in Mavin and Girling, 2000 ) . With the nearness of both EO and MD assault can an organization perceive the furthest reaches of workers conceivable and subsequently accomplish authoritative points. 2. Talk what the mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-43943155072794099202020-08-22T08:23:00.001-07:002020-08-22T08:23:11.526-07:00People as a huge asset Essay1.1INTRODUCTION Associations are comprised of individuals and individuals are a tremendous resource for any association. To be progressively effective in accomplishing their objective and destinations; associations needs to have a comprehension about their human resources, their conduct, propensities, best practice etc..â⬠Leadership is the capacity of one individual to impact a gathering of people toward the accomplishment of basic goalsâ⬠(Yukl, 1994). Affecting others implies that pioneers must have a comprehension about their conduct, which can possibly happen when they themselves comprehend their qualities, suspicions, convictions and desires. Understanding oneself methods one must complete self-appraisal/assessment as this is significant for pioneers today. I will do an appraisal about the advantage of self - evaluation/assessment to pioneers today and the significance of understanding human conduct in oraganisations. 1.2 DEFINITION OF HUMAN BEHAVIOR Human conduct is the manner in which individuals carry on and which can be impact by culture, feelings, mentalities, values, morals, hereditary and so on.. Contingent upon the general public and condition, human conduct can either be normal, regular, satisfactory or unsatisfactory. Human conduct can either be learnt as we identify with our condition; for instance, tying your shoes is an educated conduct or it very well may be inborn which can be acquired through qualities. 1.3THE IMPORTANCE OF UNDERSTANDING HUMAN BEHAVIOR TO AN ORGANIZATION Associations rely upon the conduct of both individual and groups to accomplish their objectives and destinations; as such it is extremely basic for associations to have exhaustive comprehension of human conduct. Understanding human conduct is aâ key to hierarchical achievement. Human conduct characterizes how individuals cooperate and relate with each other. Correspondence being the foundation of conduct must be compelling when individuals comprehend each other. Relational clash can be diminished in an association once thereââ¬â¢s a comprehension of human conduct. Conduct can impact contrarily on the accomplishment of an organizationââ¬â¢s objectives and destinations if not oversee well; will prompt poor yield and disappointment. Associations need to design their preparation program, understanding the conduct of its workers will educate the arranging procedure, along these lines guaranteeing that preparation needs are adequately met. A compelling comprehension of the assorted conduct of staff is significant. Proof has demonstrated that as individuals become more acquainted with each other, they turned out to be less worried about contrasts in the event that they consider themselves to be sharing increasingly significant attributes, for example, character and qualities, that speak to profound level diversityâ⬠(Stephen P Robbins and Timothy A Judge, Organizational Behavior - fifteenth Editions) A co-employable group that realizes how to function with each other can deliver preferred outcome over the individuals who have issues identifyi ng with each other. 1.4 THE IMPORTANCE OF UNDERSTANDING HUMAN BEHAVIOR BY LEADERS Associations need solid administration to accomplish its objectives and targets. An association is just as fruitful as its administration. Administration is the capacity to impact a gathering towards the accomplishment of a dream or set of objectives. People or gathering must be impact when thereââ¬â¢s a comprehension of their conduct. Business need, illumination about contrasts and good strength have join to drive associations into recruiting an assorted arrangement of workers, subsequently dealing with this decent variety has demonstrated to be a test to leadersâ⬠¦Ã¢â¬ ¦ Leaders can adequately deal with this test through understanding this decent variety. A pioneer who neglects to comprehend his adherents along these lines centering at an extremely shallow level by telling others to do their will; is at the base of the initiative level. More profound comprehension gives more alternatives, give one increasingly potential devices, and in all honesty, makes one an amazing pion eer (Stephen P Robbins and Timothy A Judge, Organizational Behavior - fifteenth Editions). This is a characteristic of level 5 initiative. ââ¬Å"Understanding the conduct of devotees will help pioneers in assembling groups to oversee activities and it will likewise help inâ assigning undertaking to representatives such that will put to proficient utilize each memberââ¬â¢s quality instead of their shortcoming ââ¬Å" (www.employment-testing.com) Attempting to affecting people without understanding why they carry on the manner in which they do, might yield arbitrary or eccentric impact and this will prompt pioneers being fruitless as adherents will be estranged; while understanding the characters of subordinates and bosses advises pioneers as to others desires and gives bits of knowledge into inspiration, intensity and relational connections and correspondence. 1.5 LEADERSHIP SELF-EVALUATION/SELF-ASSESSMENT As pioneers the capacity to impact individuals must be persistently improved; and the initial phase in accomplishing that will be by knowing yourself and increasing comprehension of your authority style, aptitudes, qualities, skills, capacities, character type and experience. As per Kevin Sharer of AMGEN CEO and president, ââ¬Å"Leadership has numerous voices. You should be what your identity is, not to copy somebody else.â⬠An able explanation as pioneers has the duty of affecting others in the accomplishment of objectives and goals; an accomplishment that will be practically difficult to achieve when devotees needs confidence in their pioneer. Individuals typically have confidence in credible pioneers as they are pioneers who not just comprehend what they have confidence in and esteem yet in addition follow up on that qualities and convictions genuinely and transparently. Most pioneers are ignorant of the impact their passionate insight has on their bosses and subordinates, n umerous a period we accuse pessimistic result to everyone around us, all the time being thoroughly oblivious in regards to the way that our character may have had impact on others activity. ââ¬Å"Those who utilize the enthusiastic knowledge structure to control their considerations and activities may think that its simpler to make trust in relationship, saddle vitality under tension, and hone their capacity to settle on dependable choices at the end of the day, they increment their potential for accomplishment in the workplaceâ⬠(Jones and Bartlett learning PTT) just via doing self-appraisal/assessment will you have the option to comprehend your passionate insight and different qualities. As pioneers one should realize what their quality and shortcomings as this will empower them expand on their quality and walk it to their authority openings, it will likewise aid the advancement of their shortcomings and takes into consideration theâ elimination of dangers to initiative. 1.6 THE BENEFITS OF SELF-ASSESSMENT/SELF-EVALUATION TO LEADERS TODAY. The vast majority of the advantages of self-appraisal have just been talk about above, anyway a few advantages are; A.Develop Emotional Intelligence When setting aside effort to self-reflect you are looking inwards. Mindfulness enables you the capacity to comprehend your feelings, qualities, shortcomings, drives, qualities and objectives, and perceive their effect on others you are driving. Acting naturally mindful will help you in controlling or diverting your troublesome feelings and motivations and adjust to evolving conditions. Building these passionate insight parts will improve your authority. B. Helps with BECOMING EFFECTIVE LEADER Real pioneers are sure about their guiding principle, and this will assist with reinforcing authority respectability and lead you to better choices. Understanding your basic beliefs will fabricate adherents trust in you as a pioneer and this will settle on dynamic simpler as our trustworthiness is frequently scrutinized during unpleasant and troublesome occasions. C. Fabricate SELF-CONFIDENCE Certainty is essential for pioneers. It helps in viable interchanges, dynamic, and impact building. Individuals will consider you to be you see yourself, monitoring your quality as pioneer will fabricate fearlessness and this will build group viability. mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-32655848213795646722020-08-20T06:13:00.001-07:002020-08-20T06:13:06.061-07:00Managing stress Definition, Symptoms, Prevention, Therapy Managing stress Definition, Symptoms, Prevention, Therapy Stress is a common experience we all go through in life. It is part of life and no-one can say that he has never experienced stress.Stress is a response from your body to the situation you are currently going through. Your body has built-in mechanisms to deal with situations which are not part of the ânormal.âYour body has a natural way in which it works. If you are for example employed, you know that you will wake up and go to work. You expect to do a certain amount and type of work. At the end of the month, you expect to get paid.When anything goes against this routine, your body recognizes the change as a potential threat. Your body then responds to this threat in various ways. Examples of threats in this case could be when you are required to get to work earlier or leave later than normal.Other examples include working for the whole month but your pay gets delayed for whatever reason. You could also be allocated more work than you agreed on when getting employed. You could do your normal work but have the amount increased. Or just have it come with a shorter deadline.As these situations take place, your body seeks for ways to cope. This is what results in stress.At the same time, in some situations, stress can actually be a good thing. For example, when working and a deadline is fast approaching, you will get stressed. As a result, your body will stop focusing on other aspects of your life and concentrate on the work at hand.You will find that you cannot be easily distracted and end up finishing the work on time.CAUSES OF STRESSPeople react differently to stressful situations. Whereas some people can maneuver most stressful situations well enough, others can become almost paralyzed at the thought of a perceived threat.Stress can be caused by past life events. When something negative happens but you donât completely heal from it, then chances are high that you will be stressed about it. This will happen anytime you remember the event.On the other hand, when you anticipate a situation which you donât see yourself as having complete or enough control over, then you could also get stressed. This is because you do not see much hope in the situation yet you have to go through it.Current situations can also be causes of stress. When you go through a situation that is proving difficult to handle, stress is inevitable. Below are some of the common causes of stress.Job loss â" we mostly work to earn a living and support our many life goals. For some who may be seen as fortunate, they work out of passion. Either way, we need jobs. Being such important things, jobs are many times jealously guarded.This may come through competition in the market between different companies or even between employees in the same organization. Another ever-present threat is the introduction of technology. It then becomes obvious that if you lose relevance, you lose your position.When this happens, and considering the rates of unemployment, some questions are bound to arise whose answers are not easy to come by. How do you provide for your family? How do you pay for your mortgage? Where do you get money for food?Ultimately, stress kicks in.Unemployment â" related to job loss, is the lack of a job in the first place. You have grown up knowing that you will go to school, study well, graduate then get a good job. So what happens if the good job isnât coming your way? Worse still, what if no job at all is forthcoming?You will end up losing touch with friends as it is not easy to relate with people you are not on the same level with. And as your friends land jobs and become busy with work, you experience loneliness and frustrations with life. As such, stress easily gets the better of you.Poverty â" people will never be at the same level. This truth can however be quite bitter to those who are victims of it. Nobody likes poverty, yet some are not just in it but actively live in it.Some people live on less than two dollars a day. Others ha ve enough disposable income to buy luxurious super yachts. Such statistics can make life seem quite unfair.Poverty may be blamed on various issues like the lack of opportunities but at the end of the day, human needs are not optional, at least not the basic ones. Those who constantly get sick or often go hungry with no means to sustain themselves have higher levels of stress.Relationship problems â" mention relationships and people get excited. Why? Relationships always bring thoughts of love. Whether friendships or romantic relationships, they all are meant to satisfy one important need of every human beingâ"give a sense of belonging and worth.Stress can easily be caused by relationship problems which are not resolved. Some relationships end up being what they were not expected to be. Others deteriorate faster than a candle can burn. Others still, the abusive types, become synonymous with a death sentence.Such things can quickly make your levels of stress skyrocket. With some tel ling you that things will work out right and others advising you to terminate it, you might as well be confused. Moreover, the very nature of relationships can further contribute to stress.Divorce â" the beginning of romantic relationships is always beautiful and sort of a wonder. You get captivated and literally swept off your feet by the smiles and caring gestures of the person who made you know what love.All in all, you expect the future to be better than both the past and present. And it all starts well until some issues come up which you two are apparently unable to resolve. The truth is, there is no issue that cannot be resolved but how people look at things matters most.When disagreements end up in a decision to terminate the marriage, things arenât often easy to handle. If there are children in the marriage, it becomes even more difficult. The court cases arenât necessarily short and the emotional account of events doesnât make things any easier.Illnesses â" while so me illnesses are short and considered quite common like the common cold, others are long-term and burdensome. When you think of sicknesses like cancer and arthritis, conditions which can make movement and lifestyles change, you will be grateful to be well.Apart from the expenses needed to sustain life during sicknesses, the emotional effort to see life as normal can be hard to muster. You may be overwhelmed with thoughts of failure and see how you will never be able to do anything important for yourself.Unwanted pregnancy â" this is the result of the desire to indulge the joys of romantic relationships without much thought of the consequences. With arguments concerning whether it is better to abstain before marriage or engage in protected sex, many people, especially young adults get trapped in between.There are those who easily take the abortion path upon realizing that they are pregnant while others get haunted by their conscience. Some take morning-after pills to prevent this ev entuality. However, all these apparent solutions have their long-term effects.Parenting â" we start off life as infants, grow to become children, teenagers, young and old adults. At some point, those who were children have their own children and itâs always a beauty to see the younger version of you. But parenting is not always full of joyous moments.When children wake up at 2 AM and demand that you play with them till they get tired, then you know what stress means. Moreover, statistics show that family responsibilities rank highly among sources of stress among adults.Uncertainty â" every human being wants and desires to be in control. You want to be able to predict life events and plan for them. More importantly, you want things to go just as planned. Anything else is not allowed. This is normal.It is however important to realize that life will never be very predictable. There will always be uncertainties in life. Your capacity to deal with uncertainties will always get challe nged and this need to change or adapt to new ways of life may not be easy.TYPES OF STRESSStress happens at different levels and affects people differently. Some cope quite well while others succumb, maybe too easily. It is all an issue of how well trained you are because stress will always be a part of your life.Stress is divided into three types. These are discussed below.Acute stressAcute stress can be said to be the ânormalâ stress that you face every day. From deadlines at work, traffic congestion, parenting challenges, the difficulty of working on a new project etc. It is usually short-term and as soon as the problem at hand is dealt with, the stress disappears.SYMPTOMSBeing an early stage of development, the symptoms of acute stress are rarely serious. That does not mean they should be ignored.Your body advises you that you need to remove the stressful situation from your life. If that is not possible, then you should remove yourself from the situation. Whichever way, you need to separate yourself from the situation.Below are some of the symptoms which you will normally experience if you have acute stress.IrritabilityYou may or may not notice that you have become irritable once stress sets in. This is because your focus has shifted to taking care of the situation.Interestingly, in most cases, if someone tells you that you are getting angry for no reason, you are likely to get more angry. According to you, what you need is for people to understand you and offer help. This is very much the truth but the problem is that you may not be very approachable at that moment.This makes communication difficult and people may not be in a position to understand what kind of help you need. If you have some work to finish, you may have a hard time explaining the quality of work you need to someone willing to help you.And if they donât deliver as per your needs, you may not appreciate their effort. Irritability will often make people want to stay away from you. In the long run, the loneliness can cause serious damage.HeadachesYour head is the house of your brain. Your brain is what controls your body. Everything from your emotions to your logic, they are all controlled and run from your brain. When things are not running normally, your brain will feel the stress.One of the ways your brain seeks to tackle the situation is by releasing the necessary hormones into your bloodstream. This enables you to concentrate more, work faster and ultimately deal with the situation.However, that is not the only thing that happens when you get stressed. Tension headaches can also be experienced as a result of stress. This is where you feel a tightness across your forehead or the back of your neck.Back painsThese pains are very common whenever you are stressed out about something. This comes about due to the tightening of your muscles as a result of the work of your stress hormones.Since stress is a perceived danger, stress hormones tighten your muscles in ord er to make your body more resilient to any attacks that may come its way. You may also experience the stiffening of muscles in other parts of your body as a result of stress.Watch the below video for three simple exercises you can do to help you deal with back pains.HeartburnThe connection between stress and heartburn is not very obvious although it exists. Your digestive system, like other systems in your body, are controlled by your brain. When your body senses danger and stress hormones get released, two things happen to increase the chances of experiencing heartburn.First, any food that was in your stomach will stay there longer than necessary. This is due to your brain quite literally shutting down the âunnecessary operationsâ to concentrate on the main agenda of dealing with stress. Since there has to be either a fight or flight, focus goes to the muscles.With food lying in the stomach for longer, the acid is likely to make its way up your gut causing the feeling of heartb urn. The other way stress contributes to heartburn is by making you extremely sensitive to the slightest of pains.Stress heightens your level of sensitivity and whereas you would normally not recognize small amounts of acid in your gut, you will now notice them quite quickly. This is your bodyâs way of being alert to any danger so as to respond appropriately.ConstipationYour digestive system is closely connected to your brain. When something is not right with how you feel, the interpretation of the situation will affect your digestive system.Remember that stress triggers the fight-or-flight response? Your bowel movements do not help you in any way if you need to either fight or run. As a result, blood flow and concentration on your digestive system is reduced.With stress, you are also likely not to be eating well enough. Instead of foods high in fiber, you are probably going for high-fat and high-sugar ready-made foods in an effort to get more busts of energy. When you visit the b athroom, the results will be evident as you struggle to pass stool.Irritable bowel syndromeThis digestive disorder is a common problem for people with stress. Although it is not directly tied to stress, studies have shown that IBS patients usually suffer some form of stress.The connection has mainly been thought to be through the immune system link. There are two main theories of this connection. One is the fact that stress makes your brain more sensitive to the muscular contractions that happen in the colon.The other theory suggested by researches is based on how stress affects the immune system, which in turn may trigger bouts of irritable bowel syndrome.DizzinessThere have been cases of stressed people feeling dizzy. Although more studies need to be conducted for this, scientists believe this happens when your vestibular system senses that things arenât right.Your vestibular system is responsible for your bodyâs position and consists of your inner ears, certain areas of your brain and the nerves that connect them. Studies done show the possible connection being in the areas of the brain responsible for dizziness and those responsible for stress interacting.Sweaty palmsThis is a condition that may be diagnosed outside of stress but has sure links with stress. Medically, this condition is called Palmar Hyperhidrosis. This diagnosis will be confirmed if you sweat more than 20 milligrams per minute through your palms.In itself, the condition can cause stress and even anxiety. Some researchers have described a cycle of sweaty palms leading to stress, further leading to more sweaty palms.One of the things that happen with the onset of stress, is increased sweating. With an increased heart rate and blood flowing to your muscles, heat is generated and your body needs to cool off the heat. Although sweating through your palms is quite natural, in stressful situations, it becomes extreme.Episodic stressThis comes about when the cause of acute stress is not comple tely dealt with. This is due to you having treated the symptoms of stress without addressing the underlying issue.As such, the stress promptly returns and as you might guess, it is always worse than it was previously.Stress always start as acute. How you deal with it determines whether it comes up again. When it does, then you have episodic stress.SYMPTOMSAs a progression from acute stress, the symptoms are not very different from those of acute stress. They are mainly at a higher level though in some cases, you may experience other symptoms too. Some of these are discussed below.Inability to concentrateWhen stress becomes episodic, the effects are no longer more focus so as to finish the pending job. You start experiencing a lack of concentration such that you cannot do what you are supposed to do well. This is the point at which your colleagues start complaining about the quality of work you produce.This should be a very clear sign that you should stop everything and fix the probl em first. With lack of concentration, more issues are likely to come up. Due to unproductivity, you may face disciplinary action at work, cause accidents and even lose relationships. These will just lead to more stress.AnxietyUnmanaged stress will often lead to anxiety. At the level of anxiety, you are slowly losing control of the situation and it is about to start controlling you. Anxiety is a serious mental condition that can lead to depression and other equally-serious conditions.Constant worryingOne of the reasons you have stress is because you donât know what the future holds. For example, you may not know how your boss will respond to your late arrival at work. You may not be sure what your spouse is thinking considering that you responded harshly when asked about getting home late.In the stressful situation, your thoughts are rarely orderly and realistic. You will often be pessimistic and no proper planning is possible with a negative mindset. Your mind will however not sto p thinking.With no answers to the perceived dangers awaiting you in the future, you stay in a state of constant worry as you donât know how to handle the future. Unfortunately, you fail to realize that the apparent dangerous future is a creation of your own mind under the influence of the stress youâre experiencing.Loss of sex driveMen are visual; women are emotional. All the same, all sex starts in the mind. No matter how much you may have promised yourself to enjoy the benefits of having sex, stress will ensure that it doesnât happen.For you to have high libido, your body and mind must be in good shape and episodic stress is evidence that this is not the case. Although sex can help fight stress, episodic stress becomes a hindrance to sex.If your partner is constantly asking you for sex and you are turning them down due to stress, this may further worsen the situation. On the other hand, agreeing to having sex while still stressed in your mind can result in you not being âp resentâ during sex.This may result in accusations of infidelity made against you. Or a situation where youâre told that youâre not good in bed. These will further increase your stress levels.Increased or reduced eatingAs your body seeks to power through stress, blood flow to your muscles is increased and more energy is released to enable you do what is needed.For some people, they will experience a somewhat irresistible need to eat more. This can be seen as the need for more energy (fuel for the muscles). It may also be viewed as a way of attempting to forget the problems (eating comfort foods).Eating because you are stressed is commonly referred to as stress eating. Watch the below video to understand the science behind it.Difficulty sleepingStress affects your quality of sleep by making your mind remain constantly active, even when it should rest. During the night, your bodyâs internal clock, called the circadian rhythm, signals to your brain the need to calm down for some sleep.However, the mind knows that there is still work to be done. So, it doesnât shut things down as expected. Your body ends up staying awake thus you fail to get the benefits of the muscle repair that happens while you sleep.Unfortunately, the lack of sleep worsens things because with no rest or insufficient rest, your body is not well prepared to tackle the day ahead. That in itself is a cause of stress. And the cycle continues.Isolating behaviorStressful situations tend to draw you in so as to concentrate on the stressful situation. Whereas this is helpful at the initial stages, it leads to isolating behavior when it progresses unchecked.As the stress continues and the situation gets worse, you start isolating yourself primarily due to the feeling that the people around you do not understand your situation. This however is really the result of your irritability that has created a gap between you and your friends and family.People will generally want to avoid associating much with people under stress because the effects of those relations can be very negative. Your day may start off badly just because you got a harsh response from someone who was stressed.Chronic stressIf episodic stress continues for a long time, then things become worse and you get diagnosed with chronic stress. Chronic stress is a dangerous condition to have. It disrupts many systems of your body. The worst thing about it is that it gives the feeling that the situation is ânormal.âWhen you see your elevated stress levels as normal, then your body has started changing so as to adapt. Your body literally functions quite differently from the way it is supposed to.SYMPTOMSUnfortunately, the warning signs at this stage are no longer those of impending danger but symptoms of serious medical conditions. Some of the symptoms of chronic stress include:HypertensionChronic stress increases the pressure with which your blood is pumped. Whereas this is supposed to be a temporary occurrence du ring stressful moments, it has now become your new normal.In itself, high blood pressure can cause major conditions like heart attacks, loss of vision, kidney damage, stroke and others. It is obvious that these conditions themselves will create sources of more stress because they require more effort to contain them.Weight gain or lossWhen chronic stress is the problem, you are bound to over-eat. This is the result of high levels of the stress hormone cortisol in your blood. One of the effects of sustained high levels of cortisol is that it increases the amount of insulin in your blood.With high insulin levels, your blood sugar drops and your body starts asking for more sugar. When you crave for food so as to generate energy, you will find yourself just going for two sources: sugary and fatty foods. These are the culprits of weight gain.At the same time, chronic stress puts your body in a constant need for energy. This causes your body to burn more fuel as it needs to work harder tha n normal. Also, your bodyâs response to stress leads to a decrease in your bodyâs ability to absorb nutrients from the food you eat.The food you eat is also not well digested because your brain is limiting the supply of blood to your digestive system. This ultimately leads to weight loss.Violent behaviorBy the time you are getting to chronic stress, much of your social skills are no longer being utilized for your social interactions. You tend to lose your temper more often than you know.Violent actions from you may further cost you important relationships like your close friends and family. For example, where violence is experienced in the family, marriage becomes abusive and could potentially lead to divorce or separation.Following a violent action, you could get arrested and convicted for certain crimes, causing you to spend much of your future life in prison.Drug and alcohol dependenceChronic stress is closely linked with cases of drug and alcohol dependence. This is an effor t to seek comfort and drugs provide it though temporarily. As soon as the feeling of comfort ends, you will feel the need to get another dose of this self-prescribed treatment.Taking drugs gives your body feelings of calm, joy or well-being, depending on what drugs you take. Dopamine, a neurotransmitter, is what gets released when most drugs hit your brain. Your brainâs reward system gets activated and you start enjoying the activity you are engaging in.Unfortunately, these drugs have other effects which are rarely taken into account. You will most likely consider the resulting good feelings and ignore the negative impact the drugs have on your health.For example, heavy drinking of alcohol causes your brain to shrink, causes heart damage, mouth and throat cancer, liver damage, infertility and sexual dysfunction.SuicideWhen chronic stress is not managed properly, it can lead to the worst symptomâ"suicide. Although you may not live to experience this symptom, it is a sure loss of v alue both to you, your friends and your family. Committing suicide means you have given up all hope and see no meaning in living.As sad as this is, suicide is never an out of the blue decision. It is usually something that has built up over time. Feelings of hopelessness slowly crop up into your mind and the more they get room to flourish, the more they establish themselves.With time, you start believing that life is meaningless and you would rather die than live in misery.PREVENTIONYour body is good at communicating to you whenever things go wrong. You should just learn to understand what your body is trying to tell you.With stress, you should aim at battling it as soon as it starts otherwise the problem will become too big to easily deal with.All the same, as much as you cannot stop stress entirely, managing it is possible. Below we look at some of the ways of preventing stress from running your life.Identify your stressorsThe first step towards preventing stress is by identifying the things which cause you stress. These stressors can then be avoided knowing that despite the effort that may be needed, it is an investment towards a better future.Sit down and think through what has happened in your life in the past. Bring to memory past stressful situations and play them back to find out what started it all. The moment you narrow down to it, write it down. Do not be in a hurry as your mind may not quickly deliver results itâs not used to providing.If you find it difficult putting together this list, then you can ask a friend or family member to assist you. The goal is to know what to avoid.Learn to say âNoâAre you too nice to people? If you tend to sacrifice a lot for other people at the expense of your own life goals, then the answer is âYes.â Another way of getting the answer to this question is by just checking the number of requests you get to assist with jobs, assignments, projects etc.You may have been told how resourceful you are (and indeed y ou are) but that does not mean that you agree to everything youâre requested to do. If you do, then you will never have time for yourself.That means no time and energy to pursue your own goals, enjoy your hobbies and just live life in your terms. Why? Someone else or some other people are indirectly controlling your time and energy.If you have trouble saying no, then you need to learn a skill called assertiveness. This helps you learn how to control yourself and only agree to what you are genuinely comfortable with. You will also learn how to avoid the sense of guilt that you fear will result in saying no.Exercise regularlyExercising regularly can never be overstated because the benefits are abundant. Every part of your body will benefit from exercises. When you exercise, your brain produces feel-good hormones which help you relax and enjoy life.Exercising is both a prevention and curative technique against stress. During the exercise, you will be more excited than stressed and af terwards, get a sense of calm which will help you in other areas including your ability to sleep and think properly.Rest / sleepStress greatly inhibits your ability to rest and sleep because it keeps you active. As long as your mind is active, sleeping becomes difficult. You will be constantly thinking of the situation at hand trying to come up with solutions.If employed, stress may make you want to carry your work home thinking that you will be able to concentrate more at home. Although this might be true, it is not always the case. You may get home and become more aware of your bed than your computer or files.It is crucial that you start by separating between work time and rest time. If you donât have a specified time for resting and working, you will find that these two overlap. In the overlap, your work may carry more weight than your sleep due to the external pressure from your boss or clients.Sleeping helps you calm down and enables your body to repair the worn out tissues. With enough sleep, you will be in a better position to handle stress.Prioritize your workPrioritizing your work is not just about numbering the tasks you need to work on. You should attach value to the tasks and list them starting with the most important to the least important. You will find that some tasks are not even important at all.After listing the things to do, you then proceed to focus only on the tasks you are currently working on. Everything else is a distraction and should be avoided. If you feel the urge or apparent need to think about he task following the current one, you should resist it at all costs.Watch the below short video for some tips you can use to avoid distractions.Avoiding distractions will help you learn discipline. You will then start realizing that you are achieving your goals. This is all because you removed the things which were not necessary and focused on what was important.All successful people have great levels of discipline. To a large extent, thi s is what sets them apart from others. Whereas everyone has dreams and ambitions, few have the discipline of dropping unproductive habits and learning productive ones.THERAPYStress can not only be prevented but also managed. Stress is not considered a treatable condition because it can never be removed from your life. Stress is a normal part of life. This is however true only for acute stress. The moment it becomes episodic or chronic, it stops being normal.Stress therapy is therefore designed to manage the levels of stress in your life. Some of the therapy methods are also prevention methods which have been mentioned above. These include sleeping and exercising. Some other techniques of managing stress include the below.Seek helpStress mostly comes from some work which needs to be finished either to a certain high standard or by an approaching deadline. It is crucial that you seek help with the work. Never try to live and work like a lone ranger. Sure, the thrill can be exciting bu t soon, life will throw you some unexpected balls.While working with others, ensure you involve them early. Waiting till the last minute can prove dangerous because you have no guarantee that the person you intend to approach has the time to help you. And even if he did, it might take him some time to understand what you need done.Such a situation can really fuel your stress as you see the explanations as time wasted. This is how stressed people end up deciding that they are better off just doing the job by themselves thus continuing in the stress.With people to help you, entrust the portion of work to them and donât try to micromanage them. Appreciate the help they are offering and allow yourself to have some peace of mind. You will notice your stress levels going down.Get a massageThe release of stress hormones into your bloodstream causes your muscles to stiffen. This causes muscle pain and unless the hormones finish their work, those muscles will remain stiff. Remember this is your bodyâs way of protecting you from the imminent danger you are facing.Instead of waiting for your body to finish what it started, you can do something to help it. Just get a massage. A massage will relax your muscles and send the signal to your brain that all is well. That you are no longer in danger. Also, massages cause you to have feelings of calm and relaxation.Getting a massage also offers other benefits apart from lowering your stress levels. Some of them are improving your immunity, helps you sleep better and relieves headaches.AromatherapyThe beauty of some scents goes beyond the sweet smells and actually help you relax.Most often, aromatherapy is used through inhalation. Essential oils are evaporated into the air using diffusers or breathed in when taking a steam bath. When the scents reach your brain, feel-good chemicals like serotonin are released, bringing about the feeling of relaxation.Essential oils can also be used on the skin during massage. The main precauti on is that these oils are supposed to be used when diluted with carrier oils. It is also important to consult a trained aromatherapist before doing this by yourself. You can learn about various oils and their uses here.PsychotherapyYou are always advised to talk to a counselor whenever you are stressed. Do not keep to yourself because those moments of being alone can cause a lot of negative thinking. This can result in suicidal thoughts, leading to actual suicide.It is important to find a qualified psychotherapist who can listen to you, understand your situation and help you manage stress effectively. Psychotherapists are people who have been trained in psychology and can recognize problems from the situations you narrate to them.This website will help you connect with a therapist.Listen to calming musicMusic is also therapeutic in nature. In fact, music is more powerful than you may recognize. Ever noticed that listening to upbeat music causes you to start moving your body in rhyth m with the beats? If you havenât experienced it before, then calming music can literally calm you down.Sit in a comfortable position or even lie on your bed and just play the music. Do not think much about how to stop your mind from indulging the thoughts running in it. The music will do that for you. Just ensure you set your alarm so as to avoid drifting to sleep for longer than intended.Take a walkWalking is a widely-recognized exercise that everyone can engage in. As simple as it is, taking a walk helps calm your mind by shifting your focus from the stressful situation and onto something else. If you live near a park, take advantage of it and walk in the park. You can take some breaks to enjoy the serenity of the park.Although you can walk to manage stress that has already set in, walking also works to prevent more stress from coming your way. Especially if you make it part of your lifestyle. So, enjoy the walk knowing that itâs serving a great purpose.CONCLUSIONStress will a lways find its way into your life since that is just the nature of life. However, you do not need to be afraid of it as you can easily manage it by making the necessary lifestyle changes. Embrace the changes and live a better life. mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-19741378356757078692020-05-24T13:02:00.001-07:002020-05-24T13:02:04.014-07:00The Dimensions Of A Career - 2895 Words The Dimensions of a Career In Accounting Rafael Cartagena SOC 116 Term Paper April 28, 2015 Introduction A career in public accountant/internal auditing involves communicating, summarizing, classifying, interpreting and presenting financial positions about an enterprise to the management, auditors, owners or shareholders of a company. Having a strong accounting foundation is an important factor when it comes to running a successful business. In every business there is need for a bookkeeper, accountant or a chief finance officer. There is a projected 16% increase in job positions by 2016 exemplifying the bright future of accounting according to the United States Bureau of Labor Statistics website (U.S Department of Labor, 2014.) The role of the accountant has changed from traditional accounting to that of a strategic planner and a business partner in the changing business environment. And in regards to Kallebergââ¬â¢s standards of ââ¬Å"goodâ⬠job criteria, a career in accounting measures up to the ideals of a worthy job to obtain. Accounting Classification According to the New Leadership Track in Accounting Firms by Elizabeth Almer, accounting is a study of how organizations track their assets, capital, and liabilities over time. It involves computing cost and capital gains from the capital (Almer, 2011: 44). An accountant participates in strategies for mergers and acquisitions. 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Getting sick is rare for me mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-91776940791525573622020-05-13T18:52:00.001-07:002020-05-13T18:52:03.124-07:00My Goals for the Future - 859 Words August 17th 2010 My Goals For The Future By: Jennifer Mills WOW! Where do I start? First I will give you a little history about myself. I have always been and have always wanted to be a nurse. I started caring for people when I was 10 or 12 years old I guess? My Granny she was a brittle diabetic, and she was also confined to a wheelchair since 1955. My Mom was real sickly as well so it was my responsibility to care for the house as well as my Great-Grandmother (My Granny) She was my Heart and Soul, (My Life)! 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Rare, Precious Trustworthy Kind Works Joyfully Goes extra mile to get choicest goods Disciplined Enterprising, Prudent with money Energetic Good Steward Diligent Compassionate, Generous Provident Elegant Influential Industrious Poised Wise Manages Her Home Praiseworthy Distinguished God-fearing Honored . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..Show MoreRelatedMy Goals For My Future Family988 Words à |à 4 Pagescarefully thinking about the goals I have, I have concluded that I have one main goal with a short-term goal that in turn will open the door to larger goals. By surviving my freshman year of college with at least a 3.85 grade point average (GPA) while working a full time job, I can boost my confidence and build up a solid foundation for future endeavors in college. I could probably name a thousand reasons why I decided to go back to college. But, the main reason is for my future family. 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Your choice should also consider your current interests in psychology and support your future career goals. Identify the audience for your handbook and the main construct in learning and cognition that will provide the focus of your handbook. Explain your motivation for using the chosen construct as your focus subject as well as how this construct aligns with your future career goals. Research five peer-reviewed articles in the Ashford University Library focusing on your chosen constructRead MoreThe Philosophy of Education and my Goals as a Future Teacher Essay832 Words à |à 4 Pagespaper that will be discussed. Every philosophy perspectives that teachers have chosen for the students it is important because it can depends on their teaching strengths and effectiveness. The goal of any philosophy could be that every student would be able to succeed in their lives. 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The purpose of this paper is to guide me through this learning process to stay focus on my goal and future as I advance mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-65348451360629233622020-05-06T14:10:00.001-07:002020-05-06T14:10:15.065-07:00Safeguarding And Forms Of Abuse Free Essays I am going to briefly talk bout the main types of abuse and outline a general picture about safeguarding. I will then focus on two types of abuse and explain them in more detail, giving examples of real life events. Safeguarding is? Safeguarding means protection against something undesirable. We will write a custom essay sample on Safeguarding And Forms Of Abuse or any similar topic only for you Order Now Everyone has the responsibility to safe guard children and young people. The Government and safeguarding legislation guidance says that safeguarding means: Protecting children from maltreatment. Preventing impairment of childrenââ¬â¢s health or development. Ensuring that children are growing up In circumstances consistent with the provision f safe and effective care. Taking action to enable all children and young people to have the best outcome. ââ¬Å"the action we take to promote the welfare of children and protect them from harm ; is everyoneââ¬â¢s responsibility. Everyone who comes into contact with children and families has a role to play. â⬠Types of Abuse Deprived of health benefits ââ¬â this is when a abuser will stop a victim from getting any form of help such as seeing a doctor, a dentist or attending an appointment. The abuser me see that the victim doesnââ¬â¢t require that specific attention because they may see the victim as not worthy or special. They may also think that the Injuries the victim has may become noticed and be looked Into leading to the abuser being found out and reported. Physical abuse- this Is when an abuser physically Injuries a volt such as halting and cackling them or anything where the abuser Inflicts pain on the victim. This abuse is a form of excitement for the abuser as they have control over the victim. People may also hit out through stress or maybe due to losing their temper but there are lots of other reasons. This specific abuse will include the abuser hitting the victim in some way to get what they want from them and to keep hey grounded and under control by striking fear into the victim. Verbal abuse- this is when a abuser will say things to a victim to make them feel bad about themselves. This can result in the victim going on to act in a bad way such as saying verbal abuse to others therefore repeating the abusers words. This abuse is used to make others feel bad about themselves so that the abuser can feel good about them self. Emotional abuse ââ¬â this can be linked In with any other form of abuse as the volt will be feeling certain things and In a certain way. Emotional abuse is where a abuser ill try to break the volt down emotionally resulting In the victim feeling bad about themselves all the time and the abuser being able to get inside a victimââ¬â¢s head bad at what they do or how they act or making a victim feel bad inside constantly. Financial abuse- this form of abuse is when a abuser will take money from a victim, whether the victim knows or not is a different matter. An abuser may simply steal money from a victim by going into their purse or wallet and taking money or by doing it in a sneaky manner such as borrowing money or playing the victim to a game which they wonââ¬â¢t win. Sexual abuse- this form of abuse includes when a abuser will touch a person in a sexual manner without being given consent by the person to do it such as touching breasts or genitals. Sexual abuse can also include rape this is when the person hasnââ¬â¢t or cannot consent to sex but the abuser continues to do the act. Psychological abuse- this is when the abuser will try to get inside the head of a victim so they can obtain what they want or get the victim to do or say what they want this will allow the abuser to convince the victim that it is k to be doing this to them. Neglected- this is a form of abuse where the abuser will not let the victim have food, water, hygiene or medical attention and they will make sure that no one else allows those things to happen. The abuser may also stop a victim for Joining in with things or being in a group with people they would like to socialist with. This form of abuse leaves the victim to survive on their own without having any means to survive with. Bullying- bullying is when a abuser will use any of the forms of abuse to make a person or a group of people feel bad. Emotional, verbal and physical abuse are molly linked with bullying as they can make a person feel bad about themselves rather quickly and easily. Physical abuse I am now going to focus on two types of abuse which are physical abuse and self harming. Physical abuse is any form of pain which is inflicted on a person and is done on a daily basis. Hurting someone in an intentional way is physical abuse. This form of abuse may consist of many things such as: Scratching Head butting Shouting Drowning Dragging Around Sleep Deprivation Throwing Outside/Locking Outside Putting in stress positions Blinding (Blindfolding) scolding Cutting Kneeing Strangling Hitting Pushing Pulling Hair Biting Physical abuse allows them to control someone as the abusers strike fear into their victims leading them to do, say and act like the abuser wants them to. Physical abuse took place in Long Care (Stoke Place), here the patients were physically abused by their careers. This involved them being slapped, kicked and hit on a daily basis to control them into doing as the careers wished or to prevent them from doing something. Self harming Self-harm is when someone intentionally hurt themselves by damaging or injuring heir body and is used as a way to deal with or express emotional distress. In most cases people who self harm do it to help them to deal with overwhelming and unbearable emotional issues which are caused by problems such as: Social factors- like being bullied, having difficulties with work or school or having difficult relationships with friends or family. Trauma- such as physical or sexual abuse or the death of a close family member or friend. Mental health conditions- such as depression or borderline personality disorder. Self harming is a lot more common than people realism and can take part in any personââ¬â¢s life. It is more common to appear in the lives of 15 and 16 years old as in 2002 a I-J survey showed an estimate that 10% of girls and 3% of boys had self harmed in the previous year. In some cases people self-harm with the intension to kill themselves but often people self harm to punish their selves, express distress or to relieve tension. Self harming can also be seen as a cry for help in some cases. Types and signs of self harm ââ¬â There are many ways that people can intentionally harm their selves such as: Cutting or burning their skin Punching themselves Poisoning themselves with things such as tablets Misusing alcohol or drugs Deliberately starving themselves (anorexia nervous) or binge eating (bulimia nervous) People who self harm will keep it a secret as they fear the shame of discovery; therefore it is often up to family or friends to notice when someone is self harming and for them to approach them with understanding and care. Some sign may include unexplained injuries or a person may show signs of a low self esteem or even depression. Someone who is self harming could seriously hurt themselves and should therefore be referred to a doctor so that they can discuss the underlying sue and find a way of treatment and therapy to help them. The events such as physical, sexual and emotional abuse that took place at places such as Long Care (Stoke Place), Wintergreen view and Stafford Hospital (Mid-Staffordshire Hospital Trust) may have lead to a person to self harm as they may feel bad about themselves and therefore feel the need to punish their selves or in some cases end their lives. In places like this if self harming was discovered in a patient nothing would have been done to help them as the abusers would have seen it as a cry for help which could lead them to getting caught in the acts they had committed. In conclusion this presentation shows that abuse happens in lots of peopleââ¬â¢s daily life, whether they are in a care home or in home or workplace and that in some cases it doesnââ¬â¢t get found out about or nothing is done about it. It is important that abusers get caught and prosecuted and that the victims get the help they need. It is also important to out about things that a person may have seen or noticed in another. Places such as the ones mentioned in the presentation were involved in most of the types of abuse discussed and nothing was done about it until it was captured on film. How to cite Safeguarding And Forms Of Abuse, Papers mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-257007627970495902020-05-05T14:21:00.001-07:002020-05-05T14:21:03.257-07:00Implementation and Development of Complex Alcohol Control Policies Question: Discuss about the Implementation and Development of Complex Alcohol Control Policies. Answer: Introduction The legal advice to be provided is with respect to the application of law of evidence based on the facts of the case scenario provided. The advice is not a general one. It will cover certain vital aspects of the case scenario. Within the advice one has to determine the information regarding the evidence that could be provided or presented before the court regarding the matter from the side of both the prosecution and the accused. The relevance of the evidence will also have to be determined. The possible challenges and issues that could be claimed by either party to the case have to be comprehended. It is necessary to determine the steps that would be taken by either party to the case with respect to making certain evidences usable and admissible before the court. It is also necessary to determine which evidence cannot be used in the court or rather inadmissible evidence. Other issues arising from the evidences have to be discussed at length. The scenario used here is purely hypothet ical in nature and does not bear any resemblance with real cases. From the present case it is seen that there were one accused. On being arrested, he refused to speak with the police initially. The case scenario also says that when the accused was brought to the police station, they had asked for a lawyer. The facts also suggest that a lawyer was nominated to deal the case on their behalf. The accused was put in a holding cell. The case clearly suggests that a court hearing is yet to occur. The accused are thus considered as under trial. It seems that an independent accused agreed to give evidence against the other accused. The bargain was that his charges would be reduced if he agreed if his evidence sufficed in the court. She was present in the same holding cell where the other accused were present. From the instant case it is apparent that initially when the accused were informed about the statement of Sydney Smith, he refuted Sydneys statement claiming that she was lying and he had no part in the crime for which they were accused. The facts sug gest that Sydney Smiths statement was video recorded as per the requisites present in Police Powers and Responsibilities Act 2000 (Qld). The facts suggest that when the police tried for the third time to elicit statements from the accused, he did not agree to have a conversation with the police like the first instance. From the facts of the case it can be inferred that there was a security camera near to the scene of the crime. It had captured images and pictures of an individual who had similar features to that of the accused near the scene of the crime. This is in terms of height, build, colour and gender of the accused. In spite of all these similarities, it is shown that the face of the individual was not clearly visible in the video. To bring a solution to this issue, certain solutions were thought of by one of the legal team of the prosecution lawyers. The team mentioned about a seminar conducted by Dr Carla Andrade regarding the use of biometric markers for identifying the accused. Now it is important to analyse the statement given by Sydney Smith through video recording. She asserted that on the day the accuse d was brought to the local police station, she was also present in the same holding cell where the accused was placed. Smith was an under trial prisoner. Her charges were several including illegal use of a motor vehicle and non compliance of directions by the police to stop the motor vehicle. According to the police the charges with respect to not following police instructions could be dropped if she cooperated in the present or any other case. One of the constables also said that if Smith was able to induce the accused to speak with her regarding the charges, the police would help in reducing the charges of Smith. From the statement it seems that the witness in this case was happy and voluntary to give the statements. She gave the opinion that the accused seemed to be a dangerous individual. According to Smith, she had approached the accused to talk about the offence. Initially he received a cold shoulder from the accused. He was not keen to speak with Smith initially. Smith also said that the accused made this statement that he would be flashed on the news regarding the crime. However the accused was confident that the police would not be able to keep him in jail. The accused seemed to be confident that the police would not be able to prove anything regarding him. The accused claims that there were no witnesses to prove that he was the person who did the crime in the crime scene. However, according to Smith, the accused admitted of doing the crime. The accused was sanguine that he would be absolved from the charges since he was careful at what he did. Smith also claims that after accepting the crime, an hour later the accused told Smith that if she reveals anything, the accused would deny the facts. Smith also claims that the accused called her a wierdo. Smith also clai ms that she is suffering from Tourette syndrome. The problem includes syndromes like twitching and making of noises. She claims that it was beyond his control. However she asserts the fact that this physical issue does not impact upon her intelligence and other aspects. Evidence that can be put forward by the defence before the court The statement of the video recording will prove to be vital. This is because very less information could be derived by the police when they interviewed the accused. On the first and third occasion of the interview, the accused simply kept quiet and refused to answer any question raised by the police. On the second occasion of the interview, when the police mentioned to the accused about the video statement provided by Sydney Smith, he vehemently refused to accept the authenticity of the statement and claimed that he was innocent and had no role in the crime for which he was accused. The evidence that can be used by the prosecution to prove the guilt of the accused is the video footage from the security camera in the place of the crime. However it seems that there is no real evidence of the fact that the accused person was actually the person involved in the crime shown in the video footage. The only proof that the prosecution has regarding the possibility that the accused could be th e person shown in the security camera is that the height, build, colour and gender had a great resemblance with that of the accused. The biggest problem that the prosecution will face is the fact that the face was clearly not visible in the camera. Thus it is suggested that the video recorded statement and the transcript of the video statement provided by Sydney Smith should be brought in front of the court. The nature of the statement and the admissions sound to be valuable and could be used by the questioning officer against Sydney Smith. The prosecution in the instant case has major evidence in terms of the video recording of the statement given by Sydney Smith. Sydney Smith can also be used as a special witness for providing testimony on the first trial of the case before the court. It can be proved by the prosecution that when the accused was placed in the holding cell, Sydney Smith was present in the same cell. The video which came up on the video camera can be brought before the court by the prosecution during the course of the trial. The point on which the prosecution can argue before the court regarding the image that was captured by the security camera is that the features of the accused has a great resemblance with the build, height, gender and colour of the person seen in the video footage. Forensic reports from the DNA Lab could be used by the prosecution to establish before the court that accused is responsible for the crime that was committed. Issues that could be brought up by each side of the case with respect to the evidence Firstly the issues that the prosecution can bring in with respect to regarding evidence forwarded by the defence will be discussed. The accused had challenged the authenticity of the video statement of Sydney Smith. However they can use the video footage available at the scene of the crime. If the biometric markers match with the features of the accused, it would be sufficient to suggest that the accused was involved in the crime. The prosecution might also question the fact that the accused stayed quiet in front of the police whereas he opened up before Sydney Smith. The defence on the other hand has more issues that could be raised against the evidence forwarded by the prosecution. The accused can claim before the court that just by proving that the biometric markers available from the video footage matched with that of the accused does not prove the fact that he was present in the scene of the crime. There could be several other individuals who have similar physical attributes similar to him. The mere use of biometric markers could just be a hunch. Moreover, he can claim the fact that Sydney Smith made up a story to receive benefits of reduced charges. He can claim that there was no video footage of the conversation between Sydney and the accused. The mere statement made by Sydney Smith could not be used as authentic evidence. Procedures that could be followed by the prosecution and the defence to prove the evidences forwarded by them to the court to be admissible The evidences that were used by the prosecution against the accused were the video statement and the transcript of the statement given by Sydney Smith as well as the security camera video footage of the crime scene. First the prosecution has to justify the involvement of Sydney Smith as a witness against the accused. Sydney Smith can be used as a vulnerable witness. This is a broad term to discuss a wide range of witnesses in case of both criminal and civil proceedings. The witnesses include adolescents and children, sufferers of sexual assault, individuals with learning and mental disorders and impairments etc. Vulnerable witnesses also include individuals suffering from emotional trauma getting intimidated and are unable to give evidence. This particular example suits with the problem suffered by Sydney Smith. Vulnerable witness also includes an accused who acts as a witness in his own defence. This is with respect to an accused that has learning disorders. Moreover as per the Evid ence Act 1977 of Queensland, vulnerable witnesses can be classified into various categories. This includes special witnesses, protected witnesses and affected children. The provisions regarding special witness is mentioned in section 21 A of the Evidence Act 1997 of Queensland. Sydney Smith qualifies to be considered as special witness. If the court considers him to be having some sort of mental or intellectual disorder and as a result of which is disadvantaged to be a witness, he can be treated as a special witness. From what is seen from the facts Sydney was intimidated by the behaviour of the accused and also suffered from emotional stress and trauma. Thus the prosecution can use the provisions of section 21 A to make sure that Sydney is considered as a special witness. Once Sydney qualifies to be considered as a witness, further elaboration can be made to prove the elements of being a special witness. The prosecution can also use section 21A (2) of the Act to ensure the safety of Sydney Smith. The prosecution can ask the court to seclude the accused while Sydney testifies before the court. There should be a person appointed and approved by the c ourt to be present while Sydney provides testimony to give her emotional support. Other than the direct testimony of Sydney, there should be permission to display the video statement and its transcript for further clarity of evidence. For this the conditions mentioned in an order has to be followed. However, the prosecution should also keep in mind the provisions section 21A (4). This provision allows the accused to hear and see the testimony given by the special witness. The applicability of video statements as evidence is mentioned in section 21A (2) (e) of the Act. According to the provisions of this section the court has the right to use video recording of a special witness in place of the direct testimony of the special witness. The accused can claim the right to remain silent during police interrogation. This right is justified in the sense that it would protect the accused from self incriminating himself. In this way the accused will be able to justify the refusal on his part to give any statement to the police. The accused can ask the court if there were any actual witnesses present in the crime scene that could testify as to the guilt of the accused. He can claim the unreliability of the statement provided by Sydney Smith. He can claim that the statement given by her is fabricated to falsely implicate him for the crime. He can claim that Sydney did not have the mental capacity to be qualified as an admissible witness. He can claim that she must have cooked up a story to exonerate herself of her own charges. Moreover, there was no evidentiary proof whether there was a conversation held between the accused and the witness. There were no security cameras nor were there any person video recording their conve rsation. Hence there was no concrete proof as to the ingenuity of the statements provided by Sydney. Inadmissible evidence The fact that the security camera at the scene of crime could not take a clear picture of the person is a worrying factor for the prosecution. There is no concrete evidence of the accused being present in the scene of the crime. The police were not able identify any mark or tattoo present on the body of the accused which matched with the person identified in the video recording. There is a mixed reaction as to the admissibility of expert opinion of Dr Carla Andrade. The requirement of expert evidence can be seen in the case of Murphy v R (1989) 167 CLR 94. As per the case an expert evidence is required if the evidence is beyond the ability of interpretation of the jury. Conclusion From the instant case it may be concluded that the evidences are more in favour of the accused compared to the prosecution. Bibliography Aldridge, M,Vulnerable Witnesses(The Routledge Handbook of Forensic Linguistics, 1st ed, 2010) Blewer, R, "Making Kiddies At Home In Court: Supporting Child Witnesses In Twentieth Century Australian Courtrooms" (2017) 4lawhistory Braun, K, "Legal Representation For Sexual Assault Victims-Possibilities For Law Reform" (2013) 25Current Issues Crim. Just Buckleton, J. S., J. A. Bright and D Taylor,Forensic DNA Evidence Interpretation(CRC press, 1st ed, 2016) Clough, A. R. and K Bird, "The Implementation And Development Of Complex Alcohol Control Policies In Indigenous Communities In Queensland (Australia)" (2015) 26International Journal of Drug Policy D'Cruz, R, "'Special Witness' Status Sought" (2013) 33Proctor, The Evidence Act 1977 - SECT 21A(2017) Austlii.edu.au https://www.austlii.edu.au/au/legis/qld/consol_act/ea197780/s21a.html Fleay, C and L Briskman, "Hidden Men: Bearing Witness To Mandatory Detention In Australia" (2013) 32Refugee Survey Quarterly Gibbons, J,Language And The Law(Routledge, 1st ed, 2014) Henry, L and R Wilcock, "Witnesses With Intellectual Disabilities" (2013) 60International Journal of Disability, Development and Education Keane, A and M McKeown,The Modern Law Of Evidence(Oxford University Press, 1st ed, 2014) Lamb, M et al,Tell Me What Happened: Structured Investigative Interviews Of Child Victims And Witnesses(John Wiley Sons, 56th ed, 2011) Loughman, J, "In Focus: Protecting Vulnerable Witnesses In Family Law" (2016) 3LSJ: Law Society of NSW Journal Lyon, T.D.,Assessing The Competency Of Child Witnesses: Best Practice Informed By Psychology And Law(Childrens testimony: A handbook of psychological research and forensic practice, 1st ed, 2011) Pope, Alan,One Law For All?(Aboriginal Studies Press, 1st ed, 2011) Tilse, C et al, "Enduring Powers Of Attorney: Promoting Attorneys' Accountability As Substitute Decision Makers" (2014) 33Australasian journal on ageing Wilson, N., "The Influence Of Professor J.H. Wigmore On Evidence Law In Australia" (2015) 19The International Journal of Evidence Proof mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-50219673403895640102020-04-01T13:38:00.001-07:002020-04-01T13:38:02.173-07:00The Role Of Chiang Kaimablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-76704982088051892052020-03-07T22:59:00.001-08:002020-03-07T22:59:02.456-08:00Beer, It Does a Body Good.Beer, It Does a Body Good. On the Grasslands of Africa, the packs of lions turn the grassy feeding ground of the zebra into their slaughterhouse floor. The lions hang back observing the herd. They eye out the old, lame, or very young to maximize their assurance of success. They stay low and out of sight of the zebra, being careful not to be spotted.... Although some zebra will die today, the lions are indirectly assuring that the "herd" of zebras will continue.Darwin believed that by the killing of the weak of a species that the stronger, more vertile of the group would be left. Thus maximizing their ability to feed, multiply, and otherwise function to the maxim of their ability. By the weak zebras dying, they are streamlining the heard and increasing the herds amount of grazing land, not to mention the gene pool being saved from their inferior seed.Just as some in society believe you can take this basic theory and apply it to social issues, a small group as people think we college students can do the same wit h our brains through the mass consumption of alcohol.English: Rose Street Pedestrianised shopping stree...Exactly what is a mass amount? Binge drinking is defined as taking five or more alcoholic drinks in a row. (Wechsler ET al., 1997) A local "Brain Trust" that I asked while doing research for this subject had this to say about this definition of binge/mass consumption of alcohol. " Think this is pre-posterous, this Wechsler person is a real panty waist. How can someone be an expert on the binge drinking if they can't drink more than five beers?"If more than five beers are not a sufficient amount used to define binge drinking? I headed back to Mr. Burton for an answer. As luck would have it Mr. Burton "the local... mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-84931756925500000432020-02-20T14:25:00.001-08:002020-02-20T14:25:02.332-08:00Junk Food Ban Essay Example | Topics and Well Written Essays - 750 wordsJunk Food Ban - Essay Example Worse still, the ban only serves to reduce funds that schools receive for extracurricular activities, and in some cases, extracurricular activities such as sports that could help to combat obesity. Moreover, students like the sodas because the sodas help to keep them awake in class. Clearly, junk food ban does not get to the bottom of the obesity problem. In my opinion, junk food ban is only one solution to combat childhood obesity. A total approach that involves schools, parents, and the government is needed. A solution that combats obesity problem at its roots is influencing lifestyle changes of kids. Influencing kids to adopt a healthier lifestyle involves not only schools but also families. Furthermore, lifestyle habits form at a young age. Therefore, parents and schools should inculcate healthy eating and exercising habits in their children from young. Other than banning junk food, schools should also encourage physical activities. In addition to Physical Education classes mandated by the curriculum, schools could encourage physical activities during recess and hold sports events. Teachers should encourage a healthy lifestyle even outside school compounds. Schools could also share effective methods of teaching Physical Education and Health Education classes. To foster the outcome of junk food ban, schools should promote healthy diets. They could introduce programs such as the milk program to cultivate healthy eating habits. To inculcate good lifestyle habits, parents should begin by setting a good example for the children by eating healthily and exercising regularly. Next, they could educate children on the detrimental health consequences of obesity. In addition, they could educate children on portion size and serving size. Also, they should not use food as means of punishment or reward. Furthermore, children should be discouraged from eating while watching television programs, as research has shown that junk food consumption tends to increase while watching television programs. During these times of consumerism, advertisement plays a great role in influencing the wants, needs, and tastes of children. Parents should educate children on the motives of the advertisements. Besides, parents could encourage healthy diets by offering children variety. More importantly, flavor need not be sacrificed in a healthy diet. Parents could try out new recipes that combine flavor with a low-carbohydrate, low-fat, and l ow-sugar diet. Regular exercise goes hand in hand with a healthy diet in the solution to obesity. Parents should show children that exercising is fun. They could spend quality family time with their children by jogging, bicycling, swimming, walking in the parks, playing at the playgrounds, and engaging in other fun physical activities instead of planting themselves in front of the television. Parents should educate children on the health benefits of physical activities. Lastly, parents could support their children's effort to stay healthy by participating in school and community events. Other than introducing the junk food ban, the government can also work on other aspects including sports facilities, the media, health checkups, regulation of advertisements, and taxation. In the face of urbanization, less land is being devoted to greenery and open space. The government should therefore build more and improve accessibility to sports facilities such as gyms, swimming pools, and jogging mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-18743369083411447882020-02-04T21:31:00.001-08:002020-02-04T21:31:03.894-08:00Fiscal Policy and Economic Growth Essay Example | Topics and Well Written Essays - 1250 wordsFiscal Policy and Economic Growth - Essay Example As the essay stresses countries exposed to large capital flows must avoid intermediate regimes. It is also necessary to adopt a corner regime. According to these proponents, corner regimes sustainable regimes for long run. It has been found that SEA countries also shifted from an intermediate regime to intermediate regime. A vast literature has been dedicated to found out the preferred choice of exchange rate regime. The fundamentals identified by the OCA approach has given some guidance for observed regime choices. In 1980s, studies were focused on the role of shocks on the choice of regimes. This research incorporates considerations for macroeconomic stabilization. According to the report findings the real shocks allow flexibility and symmetry of shocks produces OCA. Shocks have been appeared in countries which have weak financial institutions. The counties with weak financial institutions intervene in the market in order to shield banking industries which are confronting large exchange rate movements. There are many authors who agree SEA countries should adopt a currency basket system in order to gain and maintain exchange rate stability and flexibility. As far as the macroeconomics situations of SEA countries are concerned, the most reasonable choice is managed floating regime. It is because managed floating regime is fewer complexes than currency basket system agree that managed floating regime would be less complex than the currency basket ... In 1980s, studies were focused on the role of shocks on the choice of regimes. This research incorporates considerations for macroeconomic stabilization. Authors have argued that nominal shocks actually raise the possibility of a fixed regime. The real shocks allow flexibility and symmetry of shocks produces OCA. Shocks have been appeared in countries which have weak financial institutions. The counties with weak financial institutions intervene in the market in order to shield banking industries which are confronting large exchange rate movements. There are many authors who agree SEA countries should adopt a currency basket system in order to gain and maintain exchange rate stability and flexibility. As far as the macroeconomics situations of SEA countries are concerned, the most reasonable choice is managed floating regime. It is because managed floating regime is fewer complexes than currency basket system agree that managed floating regime would be less complex than the currency basket (Hossain, M. 2011). Financial liberalization index Figure 1 A cross-country index indicating financial liberalization has been used to identify the development in the sector. It ranges between 0 and 18 (Abiad, 2005). This index is made during the period or 1973 to 1995 (Figure 1 and 2). First figure studies three initial countries i.e. Indonesia, Korea and Malaysia. For the last three years FLI is assumed to be constant. These both graphs indicate the exchange rate regime in six countries. The figure indicates that till 1977 all three countries were focusing on fixed regime but due changing conditions in 1979 Indonesia and Korea shifted to intermediate regime. While Malaysia remained consistent to fixed regime. 1993 onwards all three mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-28544707250200649442020-01-27T17:55:00.001-08:002020-01-27T17:55:06.953-08:00Concept of E MarketingConcept of E Marketing Introduction: In todays business world Marketing is everywhere in different forms. In ancient time when people may have started business or trading, no matter what business or trade they have done, possibly in any form marketing would be there. Marketing could be there when they may have told some stories to make their business or trade to other people. With the passage of time human generation changed and along with that marketing may also have changed too. The ways of marketing may have improved and modified with the period of time and possibly it will changed with change in future generations, and now people are become more smart and intelligent to tell those stories while making their business and trade today. The concept of E Marketing can be considered as an instrument that works on old age marketing norms and fundamental with the use of modern technologies of communication. What does E marketing means? As mention above that the concept of E Marketing can be considered as an application that works by implementing old age marketing norms and fundamental with the use of modern technologies of communication specifically internet. There are different name of e-marketing, it can also be refer as online marketing, internet marketing and sometimes electronic marketing but this all terms are used as synonym of each other. In this study e-marketing is refers to internet marketing only. In E-marketing a brand is promoted or advertised via internet. As per the above elements online marketing is a mixture of all the activities that marketer adopts to promote product and services through world wide web by keeping aim of attracting attention of new firms, retaining existing firm and exploring their brands identity. (www.quirk.biz.com) Aim of this research: India is a developing country with significant rate of poverty and illiteracy. The use of technology is very limited. The main aim of this research is to critically evaluate e-marketing of Indian banking industry. In todays world internet is everywhere. Internet marketing ties together creative and technical aspects of the Internet, including design, development, advertising, and sale. Internet marketing also refers to the placement of media along different stages of the customer engagement cycle through search engine marketing (SEM), search engine optimization (SEO), banner ads on specific websites and e-mail marketing. In 2008 The New York Times working with comScore published an initial estimate to quantify the user data collected by large Internet-based companies. Counting four types of interactions with company websites in addition to the hits from advertisements served from advertising networks, the authors found the potential for collecting data upward of 2,500 times on average per user per month (Louise, S, 2008). Through internet marketing companies can approach their customers anywhere in the world. It is like boundary less marketing. Now with an internet marketing companies does not need to put more efforts to enter other countries to promote their products. Internet marketing has had a large impact on several previously retail-oriented industries including music, film, pharmaceuticals, banking, flea markets, as well as the advertising industry itself. Internet marketing is now overtaking radio marketing in terms of market share (Holahan, C 2006). In the music industry, many consumers have been purchasing and downloading music (e.g., MP3 files) over the Internet for several years in addition to purchasing compact discs. By 2008 Apple Inc.s iTunes Store has become the largest music vendor in the United States (www.bbc.co.uk). Developed countries are using more technologies than under develop and developing do. Therefore an inspir ation has been taken to critically evaluate e-marketing of banking industry in India as a developing country. To accomplish main aim of these research four objectives has been located which are as below: Comparison of e-marketing and traditional marketing of Indian banking industry To evaluate an advantage and disadvantage of e-marketing of Indian banking industry. To find out factors affecting effectiveness of e-marking of Indian banking industry. To predict future of e-marketing of Indian banking industry. The first objective is to compare e-marketing and traditional approach of marketing in terms of Indian economical and demographical conditions. Second objective is to evaluate benefits and limitation of e-marketing of Indian banking industry. In this objective benefits and advantages will be focused on both the side i.e. banks and their customers. In third objective factors affecting effectiveness of e-marketing of Indian banking industry is been determined. In other words, this objective is up to some extend relates to second objective. In these objective reasons of advantage and disadvantages of e-marketing of Indian banking industry has been evaluated. Finally, last objective is to predict future of e-marketing of Indian banking industry. This objective is a sort of conclusion. The nature of this objective is conclusive with future prediction. mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-80399608520665592622020-01-19T14:19:00.001-08:002020-01-19T14:19:02.991-08:00Dangers of Fast Food Essay -- Essays on Fast Food It's quick, it's convenient, it's delicious. Fast food is the most popular quick-service nourishment. It plays an important roll in the lives that we humans so perfectly laid out for ourselves. Why try cooking when you can get food at a much faster rate? To most people, fast food is the answer to all of our problems. It is good in every possible way, or is it? Although some might deny the consequences, we all know there is a steep price to pay. So here by today, I am asking you to have a closer look at the hidden dangers. In my opinion, we should free the world of fast food because, not only are they adding the amount of cruelty to animals and draining money out of our pockets, they're also taking great risk of the health of billions of people. Ever since the world?s first fast food restaurant started business, it has been responsible for the death of 50 billion animals worldwide each year. It?s an astounding number, yet the slaughtering is still increasing rapidly. The irresistible taste of heaven keeps the cash coming in, and keeps the people addicted. ?Meat is an essential part of our food-chain.? One might say. ?We can?t all live our lives being vegetarians!? It?s true that we can?t stop the butchering of animals. But if you were to witness the horrifying pictures of slaughter houses, you?d think differently. The pigs all have their skin sliced open to revel the organs, while chickens hang with their furless wings flapping. Just because of our selfish needs, we?re treating them with violence and cruelty. It is time for some real action, to correct our mistakes. It was wrong in the first place, to slaughter others for our own benefits. And it would be more so, if we don?t put a stop to it. And because we humans are. .. ... convenience, and forget all the dangers? Do we want to pay the price of our physical condition just for better tasting food? If we get rid of fast food, we can not only help people make healthier choices, but also save the lives of millions of people. Having fast food makes our lives more convenient in all ways. You no longer have to wait in long line ups, and can get food at a much fast rate. Yet, how can we still permit fast food when it is doing harm to our society? They no only increase the slaughtering and death of billions of animals, but are also costing us more than we can afford. But not important of all, they are putting millions of lives at risk. Just for a quicker and more delicious meal. We must forbid fast food from ever reaching the shelves. And every time you open up a package of MacDonald?s ask yourself this question. ?Am I making the right choice mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-51912143339973729932020-01-11T10:43:00.001-08:002020-01-11T10:43:05.702-08:00Commercial Basic Credit Management EXIM Bank ExperienceDECLARATION This Internship report is submitted as a partial fulfilment of the requirement of Bachelor of Business Administration . I am Md. Saiful Islam hereby declares that the work presented in this report titled ââ¬Å"Commercial Basic Credit Management EXIM Bank Experience. â⬠has been carried out by me and has not been previously submitted to any other University, College or Organization for any academic qualification, certificate, diploma or degree. The work I have presented does not breach any existing copyright.I further undertake to indemnify the university the against any loss or damage arising from breach of the foregoing obligations. Md. Saiful Islam ID NO. 0101092908 Department of Business Administration IBAIS University ACKNOWLEDGEMENT At first, I foremost like to express my heartiest thankfulness to Almighty Allah to reach me at the end of the BBA Internship. I would like to take the opportunity to express my heartiest gratitude to my honourable supervisor Mahabb at Hosen, Department of Business Administration, IBAIS University for his continuous guidance and support to complete this report.My special thanks to the respondent and my friends specially, Sumon and Monirul Islam former students of IBAIS University for their kind help and co-operation during the course of this Internship. My sincere apologies to the readers for my conceptual and printing mistakes (if any). Md. Saiful Islam ID NO. 0101092908 Department of Business Administration IBAIS University Certificate of the supervisor This is to certify that the thesis on ââ¬ËAccounting Performance on Credit Management and Legal Settlement EXIM Bank Ltd. An overviewââ¬â¢ as a partial fulfilment of requirement of ââ¬ËBachelor of Business Administrationââ¬â¢ degree from ââ¬ËIBAIS Universityââ¬â¢.The thesis has been carried out under my guidance and is a record of the bona fide work carried out successfully. Signature: â⬠¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã ¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦.. Supervisorââ¬â¢s Full Name: â⬠¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦ Date: â⬠¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦.. Faculty: â⬠¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦ Letter of TransmittalDate: March 16, 2013 Mahabbat Hosan Lecture of IBAIS University Dept. of Business Administration Subject: Submission of Inter nship Report Dear Sir, It is my great pleasure to submit the internship report on ââ¬Å"Accounting Performance on Credit Management and legal Settlement at EXIM Bank overview. â⬠Which is the partial fulfilment of Bachelor of Business Administration of IBAIS University. I made sincere efforts to study related materials and documents, observe operations performed in EXIM Bank Experience and examine relevant records for preparation of the report.Within the time limit, I have to make this report as comprehensive as possible. But there may be some mistakes due to various limitations. For this reason beg your kind consideration in this regard. Sincerely yours. Md. Saiful Islam ID NO. 0101092908 Department of Business Administration IBAIS University Table of contents Part A Organization ChapterTopicsPage No. 1About The Report 1. 1Origin of the Report 1. 2Background of the Report 1. 3Objects of the study 1. 4Methodology of the study 1. 4. 1Primary Source of Data 1. 4. 2Secondary Sour ces of Date 1. 5Data Processing & Analysis Banking in Bangladesh 2. 1 Introduction 2. 2 Evolution of the word ââ¬Å"Bankâ⬠2. 3 Emergence of Modern Banking 2. 4Bank Development in Bangladesh 2. 5Concluding Note 3EXIM Bank At a Glance 3. 1Historical Background of EXIM Bank Ltd 3. 2Profile of EXIM Bank 3. 3Credit Rating 3. 4Vision and Mission 3. 5Functions of the EXIM Bank Ltd. 3. 6Corporate Culture 3. 7Human Resource Management of EXIM Bank 3. 8Organizational Structure 3. 9Management of Rajuk avenue Branch organ gram 3. 10Management of EXIM Bank Ltd 3. 11Social Commitments 3. 11. 1EXIM Bank Foundation and CSR Activities 3. 11. . 1Healthcare service 3. 11. 1. 2Scholarship program for brilliant poor student 3. 11. 1. 3Helping people affected by natural calamities 3. 11. 1. 4Education Promotion Scheme (Interest free loan) 3. 11. 1. 5Helping people in slum areas 3. 11. 1. 6Donation to educational institutions to setup computer lab 3. 11. 1. 7 Beautification of Dhaka City 3. 12Achie vement 3. 12. 1First private sector bank to open exchange house in UK: 3. 12. 2Implementation of the world renowned Core Banking Software (TEMENOS T24) 3. 12. 3Conversion from Conventional Banking to Shariah Based Islamic Banking . 13Performance of EXIM Bank Ltd. 3. 14Shariah Board 3. 14. 1Shariah Auditing 3. 14. 2Banking with shariah principles 3. 15SWIFT Services 3. 15. 1SWIFT Network 3. 15. 2SWIFT is the logical choice for most international financial transactions 3. 15. 3SWIFT Messages 3. 16ATM Network 3. 17List of Branches 4Theoretical Aspect of Credit Management and Credit Policy 4. 1Credit Policy 4. 1. 1Definition of Credit Policy 4. 1. 2Purposes of Credit Policy 4. 1. 3Formulation of a Credit Policy 4. 1. 4Essential Components of a Sound Credit Policy 4. 1. 5Lending Guidelines 4. 1. Focus on Industry and Business Segment 4. 1. 7Types of Credit Facilities: Bank will go for 4. 2Credit Management 4. 2. 1 Process of Credit Management 4. 2. 2 Policy guidelines 4. 2. 3 Program gui delines 4. 2. 4Tools of Credit Management 4. 2. 5Definition of Credit Risk Grading(CRG) 4. 2. 6Use of Credit Risk Grading 4. 2. 7Number and short name of grades used in the CRG 4. 2. 8Financial Spread Sheet in Credit Management Part B Project Analysis 5Investment Case by EXIM Bank 5. 1Introduction 5. 2 Economic Sector Wise Distribution of Fund 5. 3 Nature Wise Distribution of Loans and Advances . 4 Maturity Grouping of Distribution of Loans and Advances 5. 5Securities in Credit Management 5. 6Practical Cases 6Recovery of Investment Fund 6. 1Loan Recovery Programs 6. 2Recovery Programs taken by EXIM Bank 6. 3 Recovery Patterns of loan and advance 6. 4 Problems in loan recovery 7Classified Loan & Bankââ¬â¢s Performance 7. 1Introduction 7. 2Signs for Classification 7. 3Performance of EXIM Bank Limited 7. 4Evaluation of credit management of EXIM Bank from the customersââ¬â¢ point of view 7. 5Concluding Remarks Findings & Recommendation Bibliography Chapter 01 About The Report 1. O rigin of the Report Present world is changing rapidly to face the challenge of competitive free market economy. To keep place with the trend every organization need executive with modern knowledge. To provide fresh graduate with modern theoretical and professional knowledge in banking and all other different institution management, IBAIS University has assigned the internship program for the students to help them out to have a practical knowledge to work in a real official environment. Under this course the students are sent to gather practical knowledge about working environment and activities.As a prerequisite for the Bachelor of Business Administration Degree I was required to complete this internship program in a suitable business organization. I had been selected to work as an Internee in Export Import Bank of Bangladesh Limited, Rajuk Avenue Branch for a period of 3 months from October 13, 2012 to January 12, 2012. Md. Moidul Islam, Senior Vice President, HR division, Export I mport Bank of Bangladesh Limited appointed me as an Internee. After discussion and getting consent, I started to work on the project titled Accounting Performance on Credit Management and legal Settlement at EXIM Bank Ltd an overviewâ⬠. . 2 Background of the Report For completion of the BBA degree all of the IBAIS University, students have to go through an internship program in an organization. For this reason BBA students require to undergraduate internship program where they match practical knowledge with that of theoretical knowledge which the acquired throughout the degree. The degree doesnââ¬â¢t complete unless a written report submitted to the faculty, basing on what have the students learned through the internship program. Being a student of BBA, I have the opportunity to work at EXIM BANK Ltd.Rajuk Avenue Branch. This report is prepared based on by observation during the tenor I was with them. 1. 3 Objects of the study The main objective of the study is the evaluatio n ââ¬Å"Commercial Bank Credit Management EXIM Bank Ltd. â⬠To achieve the main objectives, the study covers the following specific objectives. ?To understand the Commercial Bank Credit Management and its overview ? To know about the banking operation. ?To understand the different services provided by the bank ? To gather practical knowledge on Banking & to compare theory with ongoing practices. To present the suggestions to solve identified problems. 1. 4 Methodology of the study For the organization part, much information will be collected from different published articles, journals, brochures and web sites. All the information incorporated in this report will be collected both from the primary sources and as well as from the secondary sources. Here all the customers of EXIM Bank Ltd. who come to Rajuk Avenue Branch and related with the branch at least two years for doing various financial transaction constitute the total population of the study.The total samples are thirty clients who are related with the bank at least two years or more. I think they may represent the whole population. Each client who is conducting their business two years or more with Rajuk avenue Branch is a sample unit. 1. 4. 1Primary Source of Data Collecting data directly from the practical field is called primary source of data. The method that will be used to collect the primary data is as follows: Primary Sources are: â⬠¢Face to face conversation with the employees. â⬠¢Appointment with the top officials of the Bank. â⬠¢By interviewing customers of the Bank. 1. 4. Secondary Sources of Date The secondary data will be collected from the MIS of EXIM Bank. To clarify different conceptual matters, internet and different articles published in the journals & magazines will be used. Secondary Sources are: ?Annual Reports of EXIM Bank ?Other published documents of Bangladesh Bank. ?Office files and documents ?Study related books and journals ?Group Instruction Manual & Busin ess Instruction Manual ?Web sites 1. 5 Data Processing & Analysis Collected information have then processed & compiled with the aid of MS Word, Excel & other related computer software.Necessary tables have been prepared on the basis of collected data and various statistical techniques have been applied to analyses on the basis of classified information. 1. 6 Limitations of the study In spite of having the wholehearted effort, there were some limitations, which acted as a barrier to conduct the program and for doing an empirical research work. The limitations were: ?The study was limited only to the EXIM Bank Limited. ?Another Problem was time constraints. The duration of my internship Program was only three months. But this allocated time is not enough for a complete and fruitful study. The Bank was a busy one having heavy rush of people, whom officers need to deal with. So allocation of time for an internee is very much tough for the officers of the bank. ?Bank is a sophisticate bu siness sector. So bank do not interested to provide me confidential data. As a result in my report there is a confidential data limitation. ?Non availability of up to date data. ?EXIM Bank is an Islamic bank for that reason I face some problems to understand their products & facilities they provide. Because some of the rules of the Islamic banking are deferent from the general banking rules ?The department people always remain busy due to lack of supporting employees so they could not dedicate their full efforts. Chapter 02 Banking in Bangladesh 2. 1 Introduction Bank is an establishment which makes such advances of money to individual, as may be required with which individuals entrust money when not required by them for use. A bank is one, who in the ordinary course of his business receives money which he repays by honouring cheques of persons from whom or on whose account he receives it. Banks deal mainly with money and credit. They purchase and sell money and credit. . 2 Evolutio n of the word ââ¬Å"Bankâ⬠Etymology deals with the roots and origin of the word ââ¬Ëbankââ¬â¢. Regarding etymology or origin of the word bank there is no unanimous opinion among the writers of banking. According to some writers the word bank derived from the word BANCO, BANCUS, BANQUE, and BANC, all of which mean bench upon which the early bankers used to display their coins and transact business in the market place. According to the some other writers the word ââ¬Ëbankââ¬â¢ has been derived from the German word ââ¬ËBANKEââ¬â¢ which means a joint stock fund.The 1st version is widely accepted because at one time the banking history, money changing was looked upon as the most widely accepted function of a banker. Banking in the ancient times was largely confined to money changing and money lending. 2. 3 Emergence of Modern Banking In middle Europe the bankers of Lombardy were very famous. To them belongs the credit of modern banking. In other words they plante d the seed of modern banking in England. They settled in London at a place known as Lombard Street. Florence was the capital of Lombardy. Lombardy was a province in North Italy.Most of the prominent bankers of their present were from Lombardy. Among those prominent bankers we can named one who were famous not only in banking but also in political history in Europe. These Lombardy people were very much disturbed in 13ââ¬â¢s by internecine work which was followed by plunder by Kaiser Frederick two. Lombardy people in large number as a result started migrating to more settled countries such as England, French, and Belgium. In England these Lombardy people brought the idea of modern banking and thus England becomes the home of modern banking. . 4 Bank Development in Bangladesh Indigenous banking in Bangladesh is as old as banking in other parts of the world. Money used to be accepted as a deposit and advances used to be given. During Mughal period, indigenous banking flourished. The subarna banik the bullion trading community used to do banking in the then Bengal. Subsequently, larger banking in Bangladesh was gradually taken over by the upcountry bankers who were known as Seth, shah etc. but subarna baniks continued to operate in rural Bengal.With the British gradually coming over to Bengal and settling here, banking in the form of agency house, exchanging house started to flourish in kolkata. Entry of the Bengalese into banking started in the part of this century, especially in the wake of the swadeshi movement. In 1947 after the separation of India and Pakistan, bank business faced a severe disaster as non-Muslim bankers migrated to India. In order to rebuild the bank business State bank of Pakistan was established as a central bank of Pakistan in 1948. In 1971 Bangladesh became independent.After liberation ââ¬Å"Bangladesh bank was automated with the asset and liabilities of former ââ¬Å"State bank of Pakistanâ⬠. There were several banks before indep endence of Bangladesh as follows: (1) The national bank of Pakistan (2)The bank of Vowalpur ltd. (3)The premier bank ltd. (4)The Habib bank ltd. (5)The commerce bank ltd. (6)The united bank ltd. (7)The union bank ltd. (8)The Muslim commercial bank ltd. (9)The standard bank ltd. (10) The Australasia bank ltd. (11) The eastern mercantile bank ltd. (12) The eastern banking corporation ltd. Bangladesh Bank nationalization Order promulgated on 26 March in 1972.After the liberation war the above 1st three banks were converted to The Sonali Bank, The 2nd two banks were converted to The Agrani Bank, the next two banks were converted to The Janata Bank, the next three banks were converted to The Rupali Bank, the next one bank was converted to The Pubali Bank and the last bank was converted to The Uttara Bank. Banks in Bangladesh have correspondent relationship with other banks in foreign countries in order to sell their services or to purchase services from them. A summary picture of the cou ntry's commercial banks is presented in the table on Banks of Bangladesh.Statement of Banks in the year 2011 Name of BankBranchesCorrespondent Banks Sonali Bank1307 (1)*369 Janata Bank898 (4)1160 Agrani Bank903980 Rupali Bank514 (1)160 Pubali Bank350433 Uttara Bank198300 National Bank66143 The City Bank 76252 United Commercial Bank79110 Arab ââ¬â Bangladesh Bank62 (1)310 IFIC Bank54 (2)200 Islami Bank Bangladesh109650 Al-Baraka Bank Bangladesh34117 Eastern Bank2137 National Credit & Commerce Bank27232 Prime Bank20198 South-East Bank12190 Dhaka Bank12271 Al-Arafa Islami Bank 34127 Social Investment Bank1252 Dutch-Bangla Bank69 Mercantile Bank89 Standard Bank913 One Bank155EXIM Bank37 Premier Bank 411 First Security Bank13 Mutual Trust Bank214 Bank Asia 55 Trust Bank525 Bangladesh Commerce Bank2413 * Figures in parentheses indicate number of overseas branches 2. 5 Concluding Note Todayââ¬â¢s bank in Bangladesh has not developed over night. Before and after independence of Bangl adesh the concept of bank was developed in Bangladesh gradually. So I can easily say that bank history is as ancient as the human civilization. Chapter 03 EXIM Bank at a Glance 3. 1 Historical Background of EXIM Bank Ltd EXIM Bank Limited was established in 1999 under the leadership of Late Mr.Shahjahan Kabir, founder chairman who had a long dream of floating a commercial bank which would contribute to the socio-economic development of our country. He had a long experience as a good banker. A group of highly qualified and successful entrepreneurs joined their hands with the founder chairman to materialize his dream. Indeed, all of them proved themselves in their respective business as most successful star with their endeavor, intelligence, hard working and talent entrepreneurship. Among them, Mr. Nazrul Islam Mazumder became the honorable chairman after the demise of the honorable founder chairman.This bank starts functioning from 3rd August, 1999 with Mr. Alamgir Kabir, FCA as the advisor and Mr. Mohammad Lakiotullah as the Managing Director. Both of them have long experience in the financial sector of our country. By their pragmatic decision and management directives in the operational activities, this bank has earned a secured and distinctive position in the banking industry in terms of performance, growth, and excellent management. The authorized capital and paid up capital of the bank are Tk. 3500. 00 million and Tk 2677. 80 million respectively.The bank has migrated all of its conventional banking operation into Shariah based Islami banking since July/2004. 3. 2 Profile of EXIM Bank â⬠¢Legal Status. Public Limited Company â⬠¢Establish 1999 â⬠¢Incorporated 2nd June,1999 â⬠¢Activity Starts 3rd August,1999 â⬠¢Islamic Banking 1st July,2004 â⬠¢Listing with Dhaka Stock Exchange September, 2006. Listing with Chittagong Stock Exchange September, 2006. â⬠¢Inauguration of First Branch 3rd August, 1999. â⬠¢Authorized Capital TK. 10 00Million â⬠¢Profit TK 4967563969 million â⬠¢Total Asset TK 41793540. 962 million â⬠¢Shares TK 2233254288 million â⬠¢Paid up Capital TK 878. 5 Million â⬠¢Reserve Fund TK 569. 98 Million â⬠¢Number of Employees 1630 Persons â⬠¢No. of Branches 52 â⬠¢Proposed Branches 08 3. 3 Credit Rating oLong Term A-(Adequate Safety) oShort Term ST-3 (Good Grade) 3. 4 Vision and Mission ?To be the finest bank in the banking arena of Bangladesh under the Shariah guidelines. Contribute significantly to the national economy ?To maintain Corporate and business ethics. ?To become a trusted repository of customers' money and their financial advisor. ?To make our stock superior and rewarding to the customers/share holders. ?To display team spirit and professionalism. ?To have a Sound Capital Base. ?To provide high quality financial services in export and import trade. ?To provide excellent quality Customer service ?To provide standard financial services. ?Wealth maximizat ion 3. 5 Functions of the EXIM Bank Ltd ?The main task of the EXIM Bank Ltd. s to accept deposit from various customers through various accounts. ?Provides loans on easy terms and condition. ?The bank invest it fund in to profitable sector. ?It transfers money by Demand Draft, Pay Order, on line and Telegraph Transfer. ?The bank is doing the transaction of bill exchange, cheque etc. on behalf of the clients. ?EXIM Bank assists in the foreign exchange by issuing LC. ?Above all, EXIM Bank helps the businessmen financially by giving discount facility for bill of exchange and by providing the facility of letter of guarantee. 3. 6 Corporate CultureThis bank is one of the most disciplined Banks with a distinctive corporate culture. The bank believes in shared meaning, shared understanding and shared sense making. The employee of the bank can see and understand events, activities, objects and situation in a distinctive way. They mould their manners and etiquette, character individually to suit the purpose of the Bank and the needs of the customers who are of paramount importance to the bank. The people in the Bank see themselves as a tight knit team/family that believes in working together for growth.The corporate culture we belong has not been imposed; it has rather been achieved through our corporate conduct 3. 7 Human Resource Management of EXIM Bank Human resource is the fundamental asset of the organization. Human resource approach is concerned with the growth and development of people toward higher level of competency, creativity and fulfillment. Therefore, human resources development has been given its due importance in an environment thatââ¬â¢s values performance, teamwork, fairness and integrity, it has both quantities dimension .EXIM Bank recognizes that intellectual capital is the most important asset for a financial institution. Without proper and efficient human resources, no organization. The Bank believes that the professional competence Bank person al and its commitment for accomplishing assigned responsibilities are a first line of defense to prevent irregularities. â⬠¢The objectives of Human Resource Management of EXIM Bank are as follows: oConduction of job analysis. oPlanning employee needs and recruiting job candidate. oSelecting job candidates. Orienting and training of new employees. oManaging wages and salaries (compensating Employees). oProviding incentives and benefits. oAppraising performance. oCommunicating (Interview, counseling, disciplining) oTraining and developing managers. oBuilding employee commitment. 3. 8 Organizational Structure 3. 9 Management of Rajuk Avenue Branch Organ gram 3. 10 Management of EXIM Bank Ltd Management is the process of planning, organizing, leading and controlling the work of organization member and of using all available resources to reach stated organizational goals.The strength of the bank depends of the strength of its management team. EXIM Bank is proud to have a team of high ly motivated, well-educated and experienced executive who have been contributing substantially to the continued progress of the bank. Managerial effectiveness has been measured in EXIM Bank in terms of come selected criteria such deposit mobilization, loans and advances made, loan recovery, profitabilityââ¬â¢s and productivity, it has been found that EXIM Bank is effective in respect of branch expansion, loan disbursement, loan recovery etc.With a short span of time, EXIM Bank has become one of the leading and most successful bank not only among the third generation banks but also it superseded many other bank and financial institutions belonging to second and even first generation banks from the point of view under the dynamic leadership of its management. Management is trying to support and assist well motivated and experienced affairs to run day to day affairs of the bank smoothly.For maintains quality management, its required to train up more official at head office and branc h level in respect of sanctioning, disbursement and recovery of credit, project appraisals, customer services etc 3. 11 Social Commitments 3. 11. 1 EXIM Bank Foundation and CSR Activities At least 2% of the annual profit of every year is put aside for the foundation to conduct Corporate Social Responsibilities (CSR) activities. The mainstream CSR activities that are carried out through this foundation are:- â⬠¢Healthcare service. â⬠¢Scholarship program for brilliant poor student. â⬠¢Education Promotion Scheme (Interest free loan). Helping people affected by natural calamities. â⬠¢Helping people in slum areas. â⬠¢Donation to educational institutions to setup computer lab. â⬠¢Beautification of Dhaka City. 3. 11. 1. 1 Healthcare service A 5 storied building having 10,000 sft floor space at 840 Kazi Para, Rokeya Sarani, Mirpur, Dhaka-1216 has been hired to set up EXIM Bank Hospital. The decoration of this hospital is going on in full swing. A doctor has been recr uited who is working as a resident director of the hospital. Other doctors and hospital staffs have been in the process of selection through recruitment notice already published in the national dailies.They will be appointed as soon as the decoration of the hospital is complete. 3. 11. 1. 2 Scholarship program for brilliant poor student This is a stipend package for poor and meritorious students that take care of the beneficiaries throughout their student life. EXIM Bank Scholarship Programme, launched in 2006 with 61 poor and meritorious students selected from different reputed educational institutions of Dhaka City including Govt. Laboratory High School, Viqarunnissa Noon School and College, Dhaka University, BUET, Dhaka Medical College, etc. nrolled as many as 1000 students from around 150 reputed educational institutions across the country by 31 December 2008. They are enrolled in the this programme to be taken care of for their whole educational life subject to their fulfilment of the eligibility criteria that include satisfactory academic results, non-involvement in student politics, financial insolvency etc. So far Tk. 19. 3 million has been disbursed as scholarship under this programme. 3. 11. 1. 3 Helping people affected by natural calamities Another vital area we are dealing with as part of our CSR activities is helping people survive natural calamities.Under this welfare programmer, EXIM Bank provides relief in cash and kind for flood, fire or cyclone victims and cold-stricken people. The aim of these CSR activities is to help the target group overcome their provisional handicap and contribute to the socio-economic growth as soon as possible. 3. 11. 1. 4 Education Promotion Scheme (Interest free loan) Under Education Promotion Scheme, quard or interest-free loan is provided for poor and meritorious students to help them bear monthly educational expenditure including academic expenses, food, accommodation, etc.The quard is disbursed to the selected s tudents in monthly installments till their accomplishing the master degree. Under this programme the students are required to repay the amount (only the principal amount) in long-term monthly installments after they have joined a confirmed job accomplishing their education properly. By 31 December 2008, Tk. 19. 7 million was sanctioned to take care of around 138 poor and meritorious students from a number of reputed educational institutions like Dhaka University, Chittagong University, Dhaka Medical College, BUET, Bangladesh Agricultural University, Shahjalal University of Science and Technology etc. . 11. 1. 5 Helping people in slum areas Besides natural calamities, fire breaks out sometimes in slum areas that guts the shanties and renders the affected people totally helpless. In that situation, we help the victims fight against the hard days and return to normal life. 3. 11. 1. 6 Donation to educational institutions to setup computer lab We have donated to Dhaka University and Chi ttagong University to set up two computer labs that help the students of those universities acquire ICT knowledge. This will certainly help the students to be ready to take the challenges of this information society. 3. 11. 1. Beautification of Dhaka City In response to the call of the Dhaka City Corporation, EXIM Bank has been sharing a good portion of the mammoth task of beautifying the capital since 2005. To make the capital a modern city enriched with adequate urban amenities, EXIM Bank always joins hands with the government. 3. 12 Achievement 3. 12. 1 First private sector bank to open exchange house in UK In order to ensure delivery of smooth and most reliable remittance services to NRBs living and working in UK, Export Import Bank of Bangladesh Limited (EXIM Bank) has started operation of its wholly owned subsidiary ââ¬Å"EXIM Exchange Company (UK) Ltdâ⬠. n 30th June 2009 in London, United Kingdom, one of the oldest destinations for the expatriate Bangladeshis. It is the first exchange house owned by a Bangladeshi private bank. Bangladesh Bank Governor Dr. Atiur Rahman inaugurated the exchange house as the Chief Guest, while H. E. Dr. M. Sayeedur Rahman Khan, Honorable High Commissioner, Government of the People's Republic of Bangladesh, was present in the program as special guest. Chairman of EXIM Bank and Director of EXIM Exchange Company (UK) Ltd. Mr.Md Nazrul Islam Mazumder presided over the program. Deputy High Commissioner Mr. Allamah Siddique, Director of EXIM Bank Mr. Muhammed Nurul Fazal Bulbul, Mrs Nasrin Islam, Mr. Abdullah-Al-Zahir Swapan, Mr. Md. Shahidullah, Managing Director of EXIM Bank Mr. Kazi Masihur Rahman and local elites were also present in the opening ceremony. With the opening of EXIM Exchange the Bangladeshi expatriates will now be able to send remittances to their family members back home within shortest possible time through online transfer to all the branches of EXIM Bank.EXIM Exchange Company (UK) Ltd is located at the Universal House of Wentworth Street London which is a very convenient location for the Bangladeshi community and business houses. Unlike any other exchange company operating in UK, as EXIM Exchange is completely owned and supervised by EXIM Bank under the approval of Bangladesh Bank and UK regulators, it is expected to be the most reliable and trusted Exchange House for the NRBs. 3. 12. 2 Implementation of the world renowned Core Banking Software (TEMENOS T24)All the branches of EXIM Bank have been using branch based banking software named PcBank2000 developed by Leads Corporation, Bangladesh. In order to replace this software with a centralized Shariah Based Islami Banking software, the bank management has made an agreement woth TEMENOS Switzerland to implement its world renowned Core Banking Software T24. Implementation of this software has been started at the end of the year 2007. A team comprising very skilled employees from both business and IT of the bank has been working day and night for implementing the Software. The team has been given training on the software from Chennai, India.Working very hard with the foreign consultants during the last one and half year, this team has successfully migrated our Motijheel branch and Head Office on 03/05/2009 after completing gap analysis, customization of the software and User Acceptance Test (UAT). The Motijheel branch and Head Office are now running on T24. This centralized software is capable enough to provide all sorts of electronic banking service to the valued customers through various electronic delivery channels. Bashundhara Branch has started to use this software from 17th March, 2010 3. 12. 3 Conversion from Conventional Banking to Shariah Based ISLAMI BankingIt is a great pleasure that by the grace of Almighty Allah, the bank migrated at a time all the branches from its conventional banking operation into Shariah based Islami banking operation without any trouble. Lot of uncertainties and adversities were there into this migration process. The officers and executives of our bank motivated the valued customers by counseling and persuasion in light with the spirit of Islam especially for the non-Muslim customers. Our IT division has done the excellent job of converting and fitting the conventional business processes into the processes based on Shariah.It has been made possible by following a systematic procedure of migration under the leadership of honorable Managing Director. 3. 13 Performance of EXIM Bank Ltd The business of banking consists of borrowing and lending. As in other businesses, operation must be based on capital but banks employ comparatively small of their own capital in relation to the total volume of their transaction. The purpose of capital on reserve accounts is primary to provide an ultimate cover against losses on loans investments. In Bangladesh, there are many types of banks which are formed as commercial banks.But above all, EXIM Bank of Bangladesh limited is a new generation of private commercial bank. The full abbreviation of EXIM Bank Ltd. The bank has got lending personalities business man and reputed industrialist as its sponsors. The bank will be immensely benefited from the valuable advice of the experienced sponsors of the bank. The late chairmen of the bank contribute much for the solid foundation of the bank at the initial stage. Unfortunately his untimely death caused a vacuum leadership of the bank. But within shortest possible time, the sponsors who in a position to select the next Chairman of the Bank.Performance of the EXIM Bank Ltd. During 2008 in all business arenas like deposit, investment and Foreign Exchange exceeded performance of the previous years. The Bank achieved satisfactory progress in all areas. Growth in deposit mobilization is 48. 44%, Investments 34. 73%, Import 54. 74%, and Export Business 39. 55%. 3. 14 Shariah Board The Board of directors has formed a Sharia Supervisory Board for the Bank. Their dut y is to monitor the entire Bankââ¬â¢s transactional procedures, & assuring its Sharia compliancy.This Board consists of the following members headed by its Chairman The tasks of the Sharia supervisor in summary is replying to queries of the Bankââ¬â¢s administration, staff members, shareholders, depositors, & customers, follow up with the Sharia auditors and provide them with guidance, submitting reports & remarks to the Fatwa & Sharia Supervision Board and the administration, participating in the Bankââ¬â¢s training programs, participating in the supervision over the AlIqtisad AlIslami magazine, & handling the duty of being the General Secretary of the Board.Members of Shariah Council: Professor Moulana Mohammad Salah Uddin Mr. Md. Nazrul Islam Mazumder Moulana Mohammad Sadequl Islam Mr. A. K. M Nurul Fazal Bulbul Professor H. M. Shahidul Islam Barakaty Mr. Md. Abdul Mannan Mr. A. S. M. Fakhrul Ahsan Mr. Zubayer Kabir Hafez Moulana Mufti Mohammad Khair Ullah Mr. Abdullah A l-Zahir Sawpan Hafez Quari Moulana Mufti Mohammad Nur Uddin Mr. Kazi Masihur Rahman 3. 14. 1 Shariah Auditing This is the civil supervisory aspect that shapes the Bankââ¬â¢s main feature.Its existence is part of the Sharia Supervision procedures. One of its main tasks is to check the Sharia compliancy in the Bankââ¬â¢s transactional procedures in accordance to the Fatwas issued in that regard, under the guidanceoftheShariaSupervisor. The Sharia auditor is assigned the task of revising the Bankââ¬â¢s transactional procedures throughout the year to check the extent to which the staff members and the different departments have abided by the regulations, advices, and Fatwas issued by the Fatwa & Sharia Supervision Board, forums, & banking conferences.As well as, assuring that all the contracts that states a right for the Bank or an obligation on the Bank is certified by the Fatwa & Sharia Supervision Board. Moreover, the Sharia Auditing submits periodic reports to the Sharia Su pervisor in order to be proposed to the Fatwa & Sharia Supervision Board to state what it finds appropriate in that regard. 3. 14. 2 Banking with shariah principles Export Import Bank of Bangladesh Limited is the 1st bank in Bangladesh that has converted all of its operations of conventional banking into shariah-based banking since July/2004.We offer banking services for Muslims and non-Muslims alike allowing our customers choice and flexibility in their savings and investments. Our products are approved by our Shariah Board comprising of veteran Muslim scholars of our country who are expert in all matters of Islamic finance. The process by which Noriba's investments are designed and executed allows the Bank to offer a combination of Sharia compliance and capital markets expertise that is unique throughout the world.Noriba is committed to the strict adherence to the requirements of the Sharia as a result of the Bank's sole focus on Sharia-compliant investments and the full supervisi on of its financial products and transactions by the Noriba Sharia Board. Noriba experts specifically design each of the Bank's investment vehicles with the approval of the Noriba Sharia Board. Once the given product or transaction has been arranged, the Noriba Sharia Board carefully screens it for compliance before giving final approval for its implementation.This control mechanism guarantees that all aspects of Noriba's final products and banking transactions are in adherence with the guidelines of the Sharia. 3. 15 SWIFT Services The SWIFT Service helped in sending and receiving the messages and instructions related to NOSTRO Account operations and L/C related matters. The banks have brought 11 of branches under SWIFT network. Other branches will come under the network hopefully by the 2005. SWIFT aims to provide a prompt and efficient service to help you gain the most from our products. As a part of this service a documentation set is supplied with each product.This Guide is a p art of that documentation set and contains as comprehensive and as up-to-date a description of the product as possible. 3. 15. 1 SWIFT Network SWIFT or the Society for Worldwide Interbank Financial Telecommunication is a cooperative institution established in 1973 by a group of banks to manage their international telecommunications activities. Now over 2900 member banks, and regularly processes in excess of three million banking messages per day between banks in over 150 countries around the world own SWIFT. 3. 15. 2 SWIFT is the logical choice for most international financial transactionsWith over 5900 connections among the world's major banks, the chance is high that for any given transaction the bank you are dealing with is a SWIFT user. The SWIFT network provides facilities for ensuring that messages are transmitted in standard, internationally accepted formats, simplifying processing and permitting end to end automation of many banking transactions. SWIFT is highly secure, with elaborate mechanisms to ensure that information remains confidential, authentic and intact. With an extremely low unit transaction cost, SWIFT is nearly always the most cost-effective means of transmitting an international message. . 15. 3 SWIFT Messages In addition to its role as network provider, SWIFT is responsible for defining and maintaining standards for international banking telecommunications. Standards are necessary to ensure that banks understand the messages that they send to each other, and to allow them to process messages automatically. A. SWIFT message also comprises: ?Header containing the addresses of sending and receiving banks, the Message Type, Message priority, Delivery Monitoring Field, Obsolescence Period, Banking Priority. ?The usage and contents of SWIFT Message Headers and Trailers are more fully treated in the SWIFT.B. The advantages of SWIFT Message Types are: ?Predictability: Depending on the type of message, the format of the message can be predicted exactly, simplifying automation. ?Diversity: A specific Message Type exists for most banking activities. In order to use SWIFT Message Types and the SWIFT network, however, banks have to employ strict controls on the ways that messages are prepared to ensure that standards are respected and that the control Header and Trailer are complete and accurate. For this reason, most banks employ specialized computer software, such as PC Connect, to perform message preparation and processing. . 16 ATM Network The bank has already floated tender in the national dailies to setup a network of 60 ATMs and 350 POS machines. The job of ATM interfacing with the Core Banking Software is going on. Insha-Allah, by the end of this year, at least 10 ATMs will come under our own ATM network. 3. 17 List of Branches Dhaka Division ASHUGANJ BRANCH Address: Haji Zahirul Haque Munshi Shoping Complex, Ashugonj, Brahmanbaria. Phone: 01713-063433 Email: [emailà protected] com Fax: 08528-7456ASHULIA BRANCH Addre ss: Rifat Square Plaza, Jamgora, Ashulia, Dhaka. Phone: 7789978,01755-583690 Email: [emailà protected] om Fax: 7789480 BANANI BRANCH Address: Kazi's Haritage Road # 11, House # 49, Block # H, Banani, Dhaka. Phone: 02-8837871-3, 8837874, 01713-040588,01755-584939. Email: [emailà protected] com Fax: 02-8837875BASHUNDHARA ROAD BRANCH Address: KA-11/4, Bashundhara Road, Badda, Dhaka-1212. Phone: 02-8415154, 01730-357952 Email: [emailà protected] com Fax: 02-8413883 BOARD BAZAR BRANCH Address: Afzal Tower, Board Bazar, National University,Gazipur. Phone: 9293053, 01713-229344. Email: [emailà protected] com Fax: 9293054DHANMONDI BRANCH Address: House # 4/A, Plot # 4, Road # 16 (Old-27) Dhanmondi, Dhaka.Email: [emailà protected] com ELEPHANT ROAD BRANCH Address: 218, Elephant Road, Bata Signal, Dhaka ââ¬â 1205. Phone: 02-9667097-8, 01714-021767. Email: [emailà protected] com Fax: 880-2-9667267FARIDPUR BRANCH Address: Faridpur Plaza,10, Thana Road, Faridpur. Phone: 0631-6117 0, 61128, 61174. Email: [emailà protected] com Fax: 0631-61182 GAZIPUR CHOWRASTA BRANCH Address: Nasir Super Market(1st Floor), Chandana Chowrasta, Gazipur, Dhaka. Phone: 02-9263537, 9263538, 9256492, 01713-145498 Email: [emailà protected] com Fax: 880-2-9256493 GULSHAN BRANCH Address: 75, Gulshan Avenue, Gulshan-1, Dhaka.Phone: 02-9862262, 9886296, 8819711, 01711-404821 Email: [emailà protected] com Fax: 880-2-8818703 HEAD OFFICE CORPORATE BRANCH Address: Symphony, Plot# SE(F):9, Road# 142, Gulshan Avenue, Dhaka. Phone: 02-8828985, 9884753, 9889567. Email: [emailà protected] com Fax: 02-8828962IMAMGONJ BRANCH Address: Haji Abdul Kader Mansion, 139 Chawk Mogoltuliy, Imamgonj, Dhaka Phone: 02-7315527-8, 01730-019954 Email: [emailà protected] com Fax: 880-2-7315530 KARWAN BAZAR BRANCH Address: BGMEA Complex (2nd Floor), 23/1 Panthapath Link Road, Karwan Bazar, Dhaka. Phone: 02-8140204-6.Email: [emailà protected] com Fax: 02-8140200KERANIGONJ BRANCH Address: Rashed Iron Mar ket, Bond Dakpara, Zinzira Highway Road, Keranigonj, Dhaka. Phone: 02-7763691,02-7763692, 01730-706768. Email: [emailà protected] com Fax: 02-7763692 MALIBAGH BRANCH Address: 484, DIT Road, Malibagh, Dhaka ââ¬â 1217. Phone: 02-9338578, 8319076, 01730-069695 Email: [emailà protected] com Fax: 880-2-9357057 MAWNA BRANCH Address: Kitab Ali Plaza, Mawna Chowrasta, Sreepur, Gazipur. Phone: 06825 ââ¬â 52359, 06825-52831, 06825-52830, 01713-099837, 01713-361833. Email: [emailà protected] om Fax: 06825-52359 MIRPUR BRANCH Address: Srayoshe Tower, Plot # 7, Rokeya Swarani, 10 No. Crossing, Mirpur, Dhaka ââ¬â 1212. Phone: 02-8054226, 8056776, 8033801. Email: [emailà protected] com Fax: 880-2-8035668 MOTIJHEEL BRANCH Address: Sharif Mansion, 56-57,Motijheel C/A, Dhaka. Phone: 9568534, 9552800, 9568093, 9554988, 9554988, Dir-9553778 Email: [emailà protected] com Fax: 880-2-9569983 NARAYANGONJ BRANCH Address: 50, SM Maleh Road, Sattar Tower, Tanbazar, Narayangonj Phone: 764 0213, 7640214, 01711-439385 Email: [emailà protected] com Fax: 7640215NAWABPUR BRANCHAddress: 198/1, Nawabpur Road, Dhaka ââ¬â 1100 Phone: 7125306, 7125307 Email: [emailà protected] com Fax: 880-2-7125308 NARIA BRANCH Address: Janakallan Bipony (1st Floor), Naria Bazar, Shariatpur. Phone: 0601-59135, 0601-59136, 01730-018970, 01730-018971 Email: [emailà protected] com Fax: 0601-159124NEW ESKATON BRANCH Address: 27/1, New Eskaton Road, Dhaka. Phone: 02-8314159, 8314435, 9352854 Email: [emailà protected] com Fax: 880-2-9349196 PALTAN BRANCH Address: Swadesh Tower, 41/6, Purana Paltan, Box Culvert Road, Dhaka-1000. Phone: 02-9513573, 02-9513574. Email: [emailà protected] comFax: 02-9513572PANCHABOTI BRANCH Address: Atlanta Plaza (2nd Floor), Panchaboti, Fatullah, Narayangonj. Phone: 02-7672807,01730-001241 Email: [emailà protected] com Fax: 02-7672806 PANTHAPATH BRANCH Address: 19/2, West Panthapath, North Dhanmondi, Dhaka. Phone: 02-8124261, 9145911, 8141764, 9102671(E XP),9101334(IMP), 9101332(INV). Email: [emailà protected] com Fax: 880-2-8126191RAJUK AVENUE BRANCH Address: 9, D. I. T Avenue, Ali Bhaban, Motijheel C/A, Dhaka- 1000 Phone: 02-9556884, 9565397, 9567115, 01713-164698 Email: [emailà protected] com Fax: 880-2-9555132 SAT MASJID ROAD BRANCHAddress: 47, Satmasjid Road, Dhanmondi, Dhaka ââ¬â 1209. Phone: 02-8118680, 9142073, 8141249, 01730-061460. Email: [emailà protected] com Fax: 880-2-8142232SAVAR BRANCH Address: B-71, Rana Tower,Bazar Road, Savar, Dhaka. Phone: 7742883, 01755-575408. Email: [emailà protected] com Fax: 7742882 SHIMRAIL BRANCH Address: Haji Ahasanullah Super Market, Chittagnong RD, Siddirgonj, Narayangonj. Phone: 7694672-3 (EXT. 101), 01714-038149, 01819-253283. Email: [emailà protected] com Fax: 7694268SONARGAON BRANCH Address: Zohra Mansion, Mograpara, Sonargaon, Narayangonj. Phone: 0672-356103, 0672-356205, 01755-584938Email: [emailà protected] com Fax: 0672-356155 UTTARA BRANCH Address: House # 61/A , Road # 7, Sector # 4, Uttara Model Town, Dhaka. Phone: 02-8919785. 8952847,01714-041406 Email: [emailà protected] com Fax: 880-2-8952838 Chittagong Division AGRABAD BRANCH Address: Mawla Chember, 6 Agrabad C/A, Chittagong. Phone:031-727657,727658,2510733, 2511264,01711-898224 Email: [emailà protected] com Fax: 031-715796BAHADDARHAT BRANCH Address: Khaza Super Market, 680/A, Arakan Road, Bahoddarhat, Chittagong. Phone:031-2555056,031-2555058, 01730031489. Email: [emailà protected] com Fax: 031-2555057BASURHAT BRANCH Address: Jharna Shopping Complex, Basurhat Bazar, Companygonj, Noakhali. Phone: 03223-56060, 03223-56073, 01755-594105, 01755-594112. Email: [emailà protected] com Fax: 03223-56575CDA AVENUE BRANCH Address: Commerce View Complex,191, East Nasirabad, Chittagong. Phone: 031-652074, 657609, 01713396538 (G. B. Dept), 01730452371 (FEX Dept). Email: [emailà protected] com Fax: 031-653026. CHHAGALNAIYA BRANCH Address: H. S Plaza, Matin Road, Chhagalnaiya, Feni. Phone : 03322-78018, 01713-193388. Email: [emailà protected] com Fax: 03322-78188. CHOWMUHANI BRANCHAddress: 60/231, D. B. Road, Chowmuhani,Begumgonj, Noakhali. Phone: 0321 ââ¬â 52700, 51034, 01714-084311. Email: [emailà protected] com Fax: 0321 ââ¬â 51034. COMILLA BRANCH Address: Goni Bhuiyan Mansion, A. K Fazlul Haque Road, Monoharpur, Comilla. Phone: 081 ââ¬â 61850,01713-396537, 01973-229330 Email: [emailà protected] com Fax: 081-61722FENI BRANCH Address: Chistiya Trade Center, 308-310, S. S. K. Road, Feni . Phone: 0331-74060-1, 01730-001242. Email: [emailà protected] com Fax: 0331-74062 KHATUNGONJ BRANCH Address: Union Square Building, 1078, Ramjoy Mahajan Lane, Khatungonj, Chittagong.Phone: 031-615544, 610711,2851291, 01711-898223, 01713-229384 Email: [emailà protected] com Fax: 031-639080LAKSHAM BRANCH Address: Sufia Complex, Doulotgonj Bazar, Laksham, Comilla. Phone: 08032 ââ¬â 51333, 01711-726302 Email: [emailà protected] com Fax: 08032-51252 MODAFFARGO NJ BRANCH Address: Alam Highway Supermarket (1st Floor), Modafforgonj, Laksham, Comilla. Phone: 01730-061455, 01730-061456 Email: [emailà protected] com PAHARTOLI BRANCH Address: Noor Jahan Tower, Alanker More, Pahartoli, Chittagong. Phone: 031-2771695, 2771696, 01714-166966 Email: [emailà protected] com Fax: 031-750065SHITAKUNDA BRANCH Address: KDS Logistics Building, Sonaichhori, Sitakunda, Chittagong. Phone: 03042-51093, 01713-229338. Email: [emailà protected] com Fax: 031-2528900 SONAIMURI BRANCH Address: Mohammadia Super Market, Sonaimuri Bazar, Sonaimuri, Noakhali. Phone: 03227-51057, 03227-51058, 01711-750610, 01711-885754 Email: [emailà protected] com Fax: 03227-5105 THAKUR BAZAR KRISHI / SME BRANCH Address: Toffazal Hossain Chowdhury Market, Thakur Bazar, Shahrasti, Chandpur. Phone: 08427-56873, 08427-56878, 01730-373897. Email: [emailà protected] com Fax: 08427-56874 Rajshahi DivisionBOGRA BRANCH Address: Sheikh Mansion, Baragola, Bogra Phone: 051-60702, 60703, 6 0705 Email: [emailà protected] com Fax: 880-51-60704 RAJSHAHI BRANCH Address: Mollah Super Market, Zero Point, Shaheb Bazar, Rajshahi. Phone: 0721-772004,772005 ,01730-097272. Email: [emailà protected] com Fax: 0721-772004 Syhlet Division BEANIBAZAR BRANCH Address: Zaman Plaza(1st Floor), Beanibazar, Sylhet. Phone: 08223-56108,08223-56109, 01730-019951, 01730-452002 Email: [emailà protected] com Fax: 08223-56110 BISWANATH BRANCH Address: Al Madina Complex, Puran Bazar, Jagannathpur Road, Biswanath, Sylhet.Phone: 08224-56219,08224-56218,01730-735340 Email: [emailà protected] com Fax: 08224-56217 FENCHUGONJ BRANCH Address: Samad Plaza, Fenchugonj Bazar, Sylhet. Phone: 08226-56290 ,08226-56163. Email: [emailà protected] com Fax: 08226-56162 GOALABAZAR BRANCH Address: Abdul Karim Mansion, South Goalabazar, Osmaninagar, Sylhet. Phone: 08242-56255, 08242-56256,01730-735341 Email: [emailà protected] com Fax: 08242-56254 GOLAPGONJ BRANCH Address: Noor Mansion, Golapgonj, Sylhet. Phone: 08227-56461, 08227-56462, 01730-097268 Email: [emailà protected] com Fax: 08227-56463MOULVI BAZAR BRANCHAddress: Al-Aksha Shopping Centre,Kusumbag Area, Moulvibazar. Phone: 0861-63007,63008, 01714-167459 Email: [emailà protected] com Fax: 0861-63009 NOBIGONJ BRANCH Address: Bangla Tower, Sherpur Road, Nobigonj, Hobigonj. Phone: 08328-56526,01730-001240 Email: [emailà protected] com Fax: 08328-56528SYLHET BRANCH Address: Al-Hamra Shopping City, Zinda Bazar, Sylhet. Phone: 0821-724413, 0821-2831208, 01714-001964 Email: [emailà protected] com Fax: 880-821-725070 Khulna Division KHULNA BRANCH Address: A. Hossain Plaza 4, Sir Iqbal Road, Khulna. Phone: 041-2831470-2, 01730-018183Email: [emailà protected] com Fax: 041-2831473JESSORE BRANCH Address: 37, M. K. Road, Jessore. Phone: 0421 ââ¬â 67980-2, 01713-400273. Email: [emailà protected] com Fax: 0421-67983 KUSHTIA BRANCH Address: Rajob Ali Market, 152, N. S. Road, Kushtia. Phone: 071-71625, 73866, 71526. Email: [e mailà protected] com Fax: 071-61158BARISAL BRANCH Address: 105, Nasim Biswash Lane, Sadar Road, Barisal. Phone: 0431-2177080,2177081,01714-178882. Email: [emailà protected] com Fax: 0431-63767 DINAJPUR BRANCH Address: Northern Plaza, Goneshtola, Dinajpur. Phone: +880-531-61880, Email: [emailà protected] comFax: +880-531-61770. RANGPUR BRANCH Address: 268, Shah Amanat Shopping Complex, Jahaj Company More, Station Road, Rangpur. Phone: 0521 -61214, 0521- 61215 Email: [emailà protected] com Fax: 0521 -61214 Chapter 04 Theoretical Aspect of Credit Management and Credit Policy 4. 1 Definition of Credit Policy Policy entails projected course of action. EXIM Bank has its own policy granting credit although credit is always a matter of judgment applying common sense in the light of oneââ¬â¢s experience. A sound credit policy includes among other things safety of funds invested vis-a-vis profitability of the bank.Encouraging maximum number of small loans is better than concentrati on in a particular type of advances, which ensures sufficient liquidity with least incidence of bad debts. It has to be borne in mind that a good loan allowed to a properly selected borrower is half collected. In order to make a good loan there should have a good loan policy. 4. 1. 2Purposes of Credit Policy There are some objectives behind a written credit policy of Uttara Bank that are as follows: ? To provide a guideline for giving loan. ?Prompt response to the customer need. ?Shorten the procedure of giving loan. Reduce the volume of work from top level management. ?Delegation of authority of work from top level of management. ?To check and balance the operational activities 4. 1. 3 Formulation of a Credit Policy One of questions that should arise in a discussion of credit is who should formulate the policy. Although the ultimate responsibilities lay at the highest level in the organization i. e. the board of directors. Yet the actual drafting shall have to be done by the senior lending office in consultations with the chief executive officer and with contribution from senior officers, associates and subordinates.Obviously the level of origin will vary with the size and structure of the organization. The matter then referred to the board for approval after careful examination consideration and discussion. 4. 1. 4 Essential Components of a Sound Credit Policy There can be some variations based on the needs of a particular organization, but at least the following areas should be covered in any comprehensive statement of credit policy and EXIM Bankââ¬â¢s policy also covers these areas: 1.Legal consideration: The bankââ¬â¢s legal lending limit and other constraints should be set forth to avoid inadvertent violation of banking regulations. 2. Delegation of authority: Each individual authorized to extend credit should know precisely how much and under what conditions he or she may commit the bankââ¬â¢s funds. These authorities should be approved, at lea st annually, by written resolution of the board of directors and kept current at all times. 3. Types of credit extension: One of the most substances parts of a loan is a delineation of which types of loans are acceptable and which type are not. . Pricing: In any profit motivated endeavor, the price to be charged for the goods or services rendered is of paramount without it, individuals have few guidelines for quoting retag or fees, and the variations resulting from human nature will be a source of customer dissatisfaction. 5. Market Area: Each bank should establish its proper market area, based upon, among other things, the size and sophistication of its organization its capital standpoint, defining oneââ¬â¢s market area is probably more important in the lending function than in any other aspect of banking. 6.Loan Standard: This is a definition of the types of credit to be expended, wherein the qualitative standards for acceptable loans are set forth. 7. Credit Granting procedure s: This subject may be covered in separate manual, and usually is in larger banks. At any rate, it should not be overlooked because proper procedures are essential in loan establishing policy and standards. Without proper procedure for granting credit and constant policing to ensure that these procedures are meticulous carried out, the best conceived loan policy will not function and inevitable, problems will develop. 4. 1. 5 Lending GuidelinesAs the bank has a rate of non-performing loans. Banks risk taking applied should be contained and our focus should be to maintain a credit portfolio keeping in mind of bankââ¬â¢s capital adequacy and recovery strength. Thus bankââ¬â¢s strategy will be invigorating loan processing steps including identifying , measuring , containing risks as well as maintaining a balance portfolio through minimizing loan concentration , encouraging loan diversification , expanding product range , streamlining security , insurance etc. as buffer again unex pected cash flow . 4. 1. 6 Focus on Industry and Business SegmentIndustry segment focuses on Textile, Pharmaceuticals, Agro-based, Food and allied, Telecommunication, Power generation and distribution, Health care, Entertainment Services, Chemicals, Transport, Infrastructure development, Linkage industry, Information technology, Ceramics, Others as decided from tome to time. And business segment focuses on Distribution, Brick field, Rice mill/ flour mill/ oil mill, Work order, Yarn trading, Cloth merchant, Industrial spares, Hardware, Electronic and electrical goods, Construction materials, Fish trading, Grocery, Wholesale/ retail, Others as dedicated from time to time . 1. 7 Types of Credit Facilities: Bank will go for ?Term financing for new project had BMRE of existing projects (large, medium, SME). ?Working capital for industries, trading services and others (large, medium, SME). ?Trade finance for import and export ?Lease finance ?Small loan for traders, micro enterprise and ot her productive small venture. ?Consumer finance ?Fee business 4. 2 Credit Management As EXIM bank is providing credit facility out of its total available funds, it has to manage these credits very efficiently.An efficient credit management system comprises many things and this cover the pre-sanction activities to post-sanction activities. Credit management is important as it helps the banks and financial institutions to understand various dimensions of risk involved in different credit transactions. At the pre-sanction stage, credit management helps the sanctioning authority to decide whether to lend or not to lend, what should be the loan price, what should be the extent of exposure, what should be the appropriate credit facility, what are the various facilities, what are the various risk mitigation tools to put a cap on the risk level.At the post-sanctioning stage, the bank can decide about the depth of the review of renewal, frequency of review, periodicity of the grading, and ot her precautions to be taken. Having considered the significance of credit risk, it becomes imperative for the banking system to carefully develop credit management. For this reason, the bank is maintaining a division which is well-known as credit division. 4. 2. 1 Process of Credit ManagementCredit Management Policy for any commercial bank must have been prepared in accordance with the Policy Guidelines of Bangladesh Bankââ¬â¢s Focus Group on Credit and Risk Management with some changes to meet particular bankââ¬â¢s internal needs. Credit management must be organized in such a process that the bank can minimize its losses for payment of expected dividend to the shareholders. The purpose of this process is to provide directional guidelines that will improve the risk management culture, establish minimum standards for segregation of duties and responsibilities, and assist in the ongoing improvement of concerned bank.The guidelines for credit management may be organized into the following sections: 4. 2. 2Policy guidelines a. Lending guidelines b. Credit assessment and risk grading c. Approval authority d. Segregation of duties e. Internal control and compliance 4. 2. 3 Program guidelines a. Approval process b. Credit administration c. Credit monitoring d. Credit recovery Now the guidelines are discussed in the following: 4. 2. 4 Policy guidelines a. Lending guidelines: The lending guidelines include the following: ? Industry and Business Segment Focus Types of loan facilities ? Single borrowers/ group limits/ syndication ? Lending caps ? Discouraged business types As a minimum, the followings are discouraged: oMilitary equipment/ weapons finance oHighly leveraged transactions oFinance of speculative investments oLogging, mineral extraction/ mining, or other activity that is ethically or environmentally sensitive oLending to companies listed on CIB black list or known oCounter parties in countries subject to UN sanctions oLending to holding companies. b. Cr edit Assessment and Risk Grading:A thorough credit and risk assessment should be conducted prior to the granting of loans, and at least annually thereafter for all facilities. Credit Applications should summaries the results of the risk assessment and include, as a minimum, the following details: ? Environment or social risk inputs ?Amount and type of loan (s) proposed ?Purpose of loans ?Loan structure ( tenor, covenants, repayment schedule, interest) ? Security arrangement ?Any other risk or issue ?Risk triggers and action plan-condition prudent, etc.Risk is graded as per Lending Risk Analysis (LRA), Bangladesh Bankââ¬â¢s Guidelines of classification of loans and advances. c. Approval Authority: Approval authority may be as the following: ? Credit approval authority has been delegated to Branch Manager, Credit Committee by the MD/ Board ? Delegated approval authorities shall be reviewed annually by MD/ Board. MD/ Board: ?Approvals must be evidenced in writing. Approval records m ust be kept on file with credit application ? The aggregate exposure to any borrower or borrowing group must be used to determine the approval authority required. Any credit proposal that does not comply with Lending Guidelines, regardless of amount, should be referred to Head Office for approval. d. Segregation of Duties: Banks should aim at segregating the following lending function: ? Credit approval/ risk management ?Relationship management/ marketing ?Credit administration e. Internal Control and Compliance: Banks must have a segregated internal audit/ control department charged with conducting audits of all branches. 4. 2. 5 Program guidelines a. Approval process: The following diagram illustrates an example of the approval process: b. b.Cre mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-83949590301983811572020-01-03T07:07:00.001-08:002020-01-03T07:07:02.519-08:00Examples Of SEO Tips - 1180 Words Today, you can find SEO tips and tricks all over the Internet. This coming year, we all have seen how many SEO tips stayed the same however most of these easily get outdated and greatly abused by many SEO marketers. This makes it hard for most SEO marketers to know what tips and tricks to try. In order to help you decide which of the available tips you should trust, I decided to give you three of the best and most effective tips you can use. These are top SEO tips which can surely use, regardless of what year it already is. You are rest assured that these tips will give you great results no matter what changes will take place. However, you should take note that the tips given below are not your complete guide to SEO. On the other hand,â⬠¦show more contentâ⬠¦You should not focus too much on sounding intellectual to your readers. What you should think about is how useful your article will be to them. Will this give them a great understanding about your chosen niche? Have you helped any one when you wrote this content? Tip #3: Promote Social Interaction Through Your Content If you want to give your keywords more authority, what you need to do is to influence people to socially engage into your content. This is needed because it will make people to stay longer at your site. As a result, you did not only get to sell lots of products, you had also increased traffic to your site. Article Source: http://EzineArticles.com/6947711 Everybody wants to make their site into Google Top 10. So they do all sort of SEO and listen to tips and techniques of SEO firms and professionals. The problem with this approach is that they do make changes to the site design and structure as and when they get the SEO tips. This is not a correct approach. If you want to make your site into Google Top 10, then you need to follow some standard SEO techniques that not only increase your SERP but also enhance your web Page Rank. By consistently, following these Search Engine Optimization SEO Tips you look natural and your site skyrockets into Google Top 10. Tip 1 - Research For A Good Niche: Even if it is a micro niche it doesnt matter. You should develop yourselfShow MoreRelatedExamples Of 10 SEO Tips For Your Mobile App1060 Words à |à 5 Pages10 SEO Tips For Your Mobile App There are so many mobile app development companies today. It is no wonder there are so many mobile apps online right now. Some are doing well: ranking high with millions of downloads while some have faded into the background because they could not meet up with the competition. 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As a result, Companies need to constantly market their brands to not only stand out from their fellow competitors, but also help potential customers understand their Companyââ¬â¢s logo. Studies have revealed that the business world is becoming digitized every day. This applies to advertising. Technology has paved wayRead MoreSEO Case Study897 Words à |à 4 Pages10 Tips to Make you Better At SEO As a business, you would want your own website to be viewed and visited by more people and this is where SEO or Search Engine Optimization, comes in. Just as the name suggests, in a nutshell, SEO is a technique that you can use to make your own website or a webpage appear higher in the list of results when someone searches query related to your content on a search engine. But how exactly do you make it possible? Well, that mostly depends on your content as search mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-29915770636451130792019-12-26T03:33:00.001-08:002019-12-26T03:33:03.655-08:00Developments in Improving Care for People with Special Needs ââ¬Å"How a society treats its disabled is the true measure of a civilizationâ⬠(Chen, 2012). Such notion may indicate how significant it is for a certain society to be less ignorant of the disabled. Living with disabilities can be challenging, particularly for those who live without a solid support system, namely financial support. Despite the growing population of people with special needs around the globe, the barriers they have to accessing care, be it from communication to financial constraints, are high (World Health Organization, 2012). In Brunei, although numerous strategies and programmes, which aim for the rights of the disabled to be protected, have been developed, Her Royal Highness Princess Sarah (HRH) asserts that there is still room for improvements (Rabiatul Kamit, 2013). This essay will thus discuss a series of developments in improving care for people with special needs, in terms of education, employment, and welfare. First of all, because people with disabilities are more likely to attend only special learning institutions where they are separated from others (Nasrullah El-Hakiem, personal communication, April 14, 2014), the education system for the disabled in Brunei shall foremost be ameliorated. For people with special needs, being excluded from their non-disabled peers may lead to an assortment of problems, such as poor communication skills and not being able to fully participate as members of society. 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The cost of health care is continuing to rise and millions of people are withoutRead MoreThe Delivery Of Health Related Services1461 Words à |à 6 Pagespatients from one care setting to another. Also recognized as transitions of care these actions often occur between acute-care hospitals and post-acute care settings such as rehabilitation centers and nursing homes. Transitions of care, however, do not only occur between in-patient settings. Patients discharged from the hospital to their home or shuffled between a primary care clinic and specialty clinic also experience t ransitions of care. In any instance, transitions of care place patients at mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-73057077370253736642019-12-17T23:22:00.001-08:002019-12-17T23:22:03.318-08:00College Tuition And The Rising Cost Of Education Essay College has been sold to the American people as the key to a better future. Complete the four-year degree program and watch oneself rise from the poverty of lower class to the white picket fence middle class dream. This may have been the case in the 1970ââ¬â¢s, but college students today are facing over one trillion dollars in combined student loan debt (Denhart 3). In fact, the price of college has increased higher than any other good or service since 1978(Ivory Tower). With the cost of tuition skyrocketing and income inequality being at an all-time high, the cost to achieve a post-secondary education is becoming further out of reach for more middle-class citizens. The current status quo is unsustainable for the future and action needs to be taken before the student debt bubble leads to another recession replicating the housing crash in 2008. Society currently wonders why college tuition is becoming more affordable and many wonder what can be done to find a possible solution Curr ent authors and researchers have made statements on college tuition and the rising cost of education. The research gathered from these sources will specifically be applied to how it affects middle class families in the United States. This research from the authors includes answers to the rising tuition and possible legislative solutions to fix this epidemic. In an article by New York Times Journalist Barry Werth, he examines how colleges are in a more competitive age with marketing and price fixing andShow MoreRelatedThe Effects Of Rising Tuition On Students Choice Of Future Career Field1308 Words à |à 6 Pagesof Rising Tuition Costs on Ferrum Studentsââ¬â¢ choice of future career field Christin C Hyslop Ferrum College Fall 2014 The Effects of Rising Tuition Costs on Ferrum Studentsââ¬â¢ choice of future career field Introduction Do rising tuition costs affect Ferrum College studentsââ¬â¢ choice of major? Descriptive research will be done to determine if there is a relationship between rising tuition costs and Ferrum College studentsââ¬â¢ choice in major. A sample set of students attending Ferrum College willRead MoreShould College Be A College Education?1614 Words à |à 7 Pagesis access to higher education. College is an incredibly integral step into adult-hood, and while there have been those that have seen large amounts of success without a college education, statistically speaking, youââ¬â¢ll be hard pressed to find a position in the field of work you prefer. Ironically, in todayââ¬â¢s economy, youââ¬â¢ll be hard to pressed to find a job in your desired profession even with a college education. Over the years, college has seen unending rising tuition costs, largely in part to theRead MorePrice of College Education1473 Words à |à 6 PagesStates has stressed the importance of college education, to those seeking employment, and better careers. For most people, college is the logical next step in education, as it provides a working knowledge of a desired field and opens the door to many opportunities, but college has become increasingly more expensive as time goes on. Many people feel that college is no longer an option financially. Even with financial aid and scholarships, the cost of a college education can still be very taxing. This isRead MoreDriving The Cost Of Higher Education1063 Words à |à 5 PagesDriving the Cost of Higher Education It seems as though the correct step for young people to follow after high school is college. We are constantly told that if we wish to be successful, then we must get a degree. However, with the rising costs, itââ¬â¢s seeming like fewer people are willing or able to take the next step into higher education. Cries about the sheer insanity of the rising costs blur into a cacophony of anger and frustration. The discussion of whether itââ¬â¢s even worth the cost have alsoRead MoreThe Driving Forces Behind College Tuition Essay1296 Words à |à 6 PagesForces Behind College Tuition Hikes Higher education in the United States was introduced in 1636 when Harvard University first opened its doors. At the time, college was seen as an exclusive institution, typically reserved for the wealthy elite. In the 1600ââ¬â¢s, a college degree was not necessary to get a decent job and make a living; therefore, there was little demand. Since then, public opinion and attitudes about higher education have changed significantly. In todayââ¬â¢s job market, a college degree isRead MoreCost Of Higher Learning At College1491 Words à |à 6 PagesCost of Higher Learning In order to have a better life and a better job today, a high school degree is usually not enough. Many people dream about having a college degree, but the costs of education being too high, could turn those dreams into a nightmare. It is no secret that a college education is expensive, and in the past few years, it has hit an all-time high with no signs of slowing down. The average college tuition cost in America universities and colleges continues to rise yearly. Many studentsRead MoreThe Benefits Of College Tuition1285 Words à |à 6 Pageshaving a college education. Life has gotten much harder and the job market has become more competitive without a four year degree. Having to work two or three jobs and both parents of the home working to put food on the table. People are barely making it with a bachelorââ¬â¢s degree now and are finding themselves needing a masterââ¬â¢s degree to get a better job. College tuition has been increasing at a steady rate. Many students are fin ding themselves not having equal opportunity to attend college due theRead MoreWhat are the Problems of Rising Cost in College Tuition?1323 Words à |à 6 PagesWhat are the Problems of Rising Cost in College Tuition? College fee is the main factor that depends on which institution of higher learning that a student is likely to join unless awarded a scholarship. It directly depends on oneââ¬â¢s financial capability. The poor afford the cheap and less desirable intuitions that they can be able to afford while the rich can get access to high class type of education. Policies exist that govern the ability of institutions increasing their fees and at the sameRead MoreImportance of Higher Education1525 Words à |à 6 PagesHigher education is the foundation for growth within our global economy. Students who properly utilized the system to its fullest extent, garner life altering skills and abilities. These skills, which are often transferable from industry to industry further, enhance the quality of life for society. Many of the worlds brightest students help create, lead, and establish many of the worlds dominant organizations. These organizations, in turn, create goods and services that provide a compelling valueRead MoreAn Education Battle: Decreasing Amount of Scholarships1155 Words à |à 5 Pagesschool have a hard time getting into college or even getting a job. Without a job, scholarship, or financial aid to help, it can be tough to pay for your education. Students are lead to lesser jobs and forced to not go to college because they can not afford tuition. A reason why these colleges ask for so much money is because they donââ¬â¢t have the funding to keep them afloat, so they bump up the prices to get in. School systems need more funding for education. Communities and foundations that reinforce mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-25042856582982744182019-12-09T20:04:00.001-08:002019-12-09T20:04:03.319-08:00Listening to Music free essay sample High School I propose, as a student, that listening to music while studying is academically beneficial based on scientific fact. Have you ever listened to music while studying? Maybe you hummed a song? Well, it has been tested and shown that while listening to music students have a slower thought process, which inevitably has led to a slower, and a much higher understanding of each topic.It was also shown that when a student listens to music while studying they are working both sides of the brain ND that causes for a deeper thought, memorization, and attention. I chose this topic because my sister and I continuously disagree about whether or not I may listen to music while I study. I always tell her; there is information out there that proves that when you listen to music your attention span rises, your memorization becomes clearer and there Is a deeper thought behind what you are reading or doing. We will write a custom essay sample on Listening to Music or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Listening to music involves multitasking, which leads to slow mental processing, which leads to better memorization, and memorization is a key part of successful studying. If you are anything like my sister, you may think music is a distraction, but It Is actually a helper. Maguire university Professor William Forded Thompson and his team conducted an experiment in which they asked students to read a passage of text while listening to Mozart piano sonata. The music was altered to be soft or loud, fast or slow. What was the result? Students who read while listening to soft slow music performed better In the study.But what about In real life? If you are not listening to Mozart, are there sully benefits to listening to music while o study? To help show that there is, I asked a close friend to explain how music Is beneficial to her. Jamie Pontoons, Junior at Murray High School, who enjoys music genres Like Electronic and Folk Rock, had this to say in response to some questions. I asked If she listened to music while she studied. Pontoons replied with a Yes, I always listen to music whether Im doing homework or studying. I then asked, How does it help you? Pontoons responded with Music keeps me motivated and awake.It gives me something to keep pace with, something to follow. Obviously, Jamie and I see eye to eye, although we listen to different genres of music. However, as they say, there are always two sides to every story. For every published article or study proving that listening to music is beneficial, there is one proving that it is not. If you were to ask Los Angels Times writer Alone Dawson about her thoughts on the subject, she might answer with a question Does it seem too good to be true? (Dawson, 2012) Dawson asks this in an article she wrote about the advertised benefits, in contrast to the actual benefits, of skin care products.While this paper is not about cosmetics, Dawson illustrates the importance of looking at all of the Information available while researching a specific topic. For example, In an experiment done by researchers at the university of Wales Institute, Cardiff In the united Kingdom, 25 people between the ages of 18-30 would try to memorize and 1 OFF they found that the participants performed worse while listening to music. They say that music is a cognitive disruptor resulting in confusion and causing the participants to get thrown off by the changing in words. CNN, 2010) While this duty may appear to support my sisters opinion on the matter, it is important to point out that the participant s preference in music was not considered. I might have even failed this experiment if I had to listen to my least favorite genre of music, which is Country, as opposed to my favorite genre of music, Rock. So let us talk about Rock since it is specific to my argument. In 2006 Scottish researchers reported that in addition to classical music, music by the likes of Jim Hendrix, AC/DC and Red Hot Chili Peppers also helped students concentrate and boost memory.In the study published, two groups of people were asked to perform a memory test while listening to rock music and classical music. While the classical music improved the concentration and memory of both groups, rock music also had a significant effect on the cognitive performance of the rock fan. Brain scans revealed that they required far less brainpower to complete the test successfully. (Times, 2006) It is important to note that the benefits of listening to Rock music in the above example were specific to those participants that consider themselves Rock fans.This tryingly supports the argument that since I am listening to the kind of music I like, it is not serving as a distraction to my studies. Even if my studies were being compromised, there is plenty of evidence to support it may be th e result of issues not related to act of listening to music while studying. Music can help with academic success. Poor grades do not automatically reflect poor intelligence; they are often an outcome of lack of interest and lack of motivation in studying. (How does music affect the brain? 2012) As we look at some of the householders today their grades are slipping lower and lower, but as this book illustrates grades do not reflect poor intelligence, Just a lack in interest in the subject. This also illustrates that music helps with your memorization. In addition, music with stronger beats causes brain waves to resonate in such a way that is coordinated with the music. This brings about higher levels of alertness and concentration. Music in some ways can be and is very creative. This is also something music helps with. Bringing imagination and creativity into the equation will show that music promotes academic success. Scientists conducted a series of studies in the sass examining the influence of USIA on memory recall. The research supported the positive effects of background music when studying. The research also suggested that music, especially classical music, heightened arousal and mood, as it reduced blood pressure, heartbeat and stress. (Network, 2011) As this quote from the University of Phoenix shows, music has a positive effect on your mood and stress. When you are studying, you typically are stressed, and when you are stressed, you become unmotivated on doing your work, unmotivated for studying when the time comes and it needs to happen. The scientists drew a link between memory recall to musical tempo. A tempo of 60 beats per minute activates the right hemisphere of the brain, while the material being studied activates the left hemisphere of the brain. With both hemispheres activated, portion of study from the University of Phoenix, the professors concluded that the brain focuses on patterns. Some genres have a set and specific structure that repeats, and that some music genres that have too many repeated sections become distracting which in turn causes the urge to not study or do any sort of work.As I have thought more and more about this, I have come up with the some questions that need to be answered. How does music affect you? How does it affect your emotions and your productivity? Does Music help your body in anyway;ay? Music affects you in a multitude of ways and some of them include; when listening to music it reduces your blood pressure that helps calm you down, it is also a stress aid. Music also helps you concentration and attention when you are studying, it gives you a beat to follow, something to give you a pace to keep when studying. mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-1490102392564152812019-12-02T07:46:00.001-08:002019-12-02T07:46:04.214-08:00Materialism Vs Idealism Essays - Philosophy, Metaphysics, Monism Materialism vs Idealism History tells us very little of Titus Lucretius Carus, but one can see from reading his work that he has a strong dislike towards religious superstition, which he claims is the root of human fear and in turn the cause of impious acts. Although he does not deny the existence of a god, his work is aimed at proving that the world is not guided or controlled by a divinity. Lucretius asserts that matter exists in the form of atoms, which move around the universe in an empty space. This empty space, or vacuity, allows for the movement of the atoms and without it everything would be one mass. He explains that matter and vacuity can not occupy the same space, "...where there is empty space, there matter is not...", and these two things make up the entire universe. These invisible particles come together to form material objects, you and I are made of the same atoms as a chair or a tree. When the tree dies or the chair is thrown into a fire the atoms do not burn up or die, but are dispersed back into the vacuity. The atoms alone are without mind or secondary qualities, but they can combine to form living and thinking objects, along with sound, color, taste, etc... Atoms form life, consciousness, and the soul, and when our body dies there is nothing left of the latter except for its parts, which randomly become parts of other forms. Matter is never ending reality, only changing in its form. In the philosophical system developed by Irish philosopher George Berkeley, Idealism, Berkeley states that physical objects, matter, do not exist independent of the mind. The pencil that I am writing this essay with would not exist if I were not perceiving it with my senses, but in the dialogue between Hylus and Philonous Berkeley attempts to show things can and do exist apart from the human mind and our perception, but only because there is a mind in which all ideas are perceived or a deity that creates perception in the human mind, either way its God. He says that the external world can not be understood by thought, but "sensible things", objects that we perceive, can be reduced to ideas in the mind. These ideas, or "objects before the mind", possess primary qualities, the main structure, and secondary qualities, what we derive from our senses, which are inseparable. I'm confused about this, if I'm thinking about a star in a different galaxy, which makes the star an "object" before my mind, then where are the secondary qualities? Over all, idealism appears to be the antithesis of materialism in its approach to discovering the nature of the universe. Kant would say that both views are based on speculation and can not be proven, but I prefer Lucretius' views over Berkeleys' simply because he tries to keep a deity out of the picture. He claims that the gods are not concerned with the affairs of mortals, where as it seems that Berkeley uses god as an answer when he is unable to explain something. Although, Lucretius says that nature is responsible for the arrangement and combination of atoms. Wouldn't this suggest that nature is similar to a divinity? or is nature, which is only matter and space, the wall that separates the gods from mortals. Motivated by an animosity towards theological belief, Lucretius seems to take a much more scientific approach. One can not completely dismiss Berkeleys' views for, as Montague would say, there is obviously more going on than meets the eye. mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-69086101131079706382019-11-27T00:33:00.001-08:002019-11-27T00:33:06.425-08:00The Federalist Papers essaysThe Federalist Papers essays In The Federalist Papers, James Madison, Alexander Hamilton, and John Jay argue in support of the Constitution. One of the more influential articles is Federalist 51 by Madison. In the article Madison discusses the separation of powers and the theory of checks and balances. He contends, If men were angels, no government would be necessary. If angels were to govern men, neither external nor internal controls on government would be necessary. In stating this, Madison says that men are not angels and are therefore subject to wrongdoing and poor decision making. He continues to say that because men are governed by other men there must be controls on government. Madisons assertion can be summed up; since we are a nation governed by other men, internal and external controls must exist to prevent leaders from making improper and inadequate decisions. Madisons assertion refers to the concepts of federalism, separation of powers, and checks and balances. Federalism is the division of power between a central government and regional units. The Constitution divides power between the states and a central government, but it put more power with the national government at the expense of the states. According to the Constitution, the powers given to national and state governments are derived from the people, who are the ultimate sovereigns. The two governments can regulate the people and property within their jurisdiction, but the people can also restrain both national and state governments if necessary to preserve liberty. The principle of federalism exemplifies Madisons belief that internal and external controls must exist toward the government. The ability of the people to restrain the use of power by the national and state governments represents the controls that Madison described. The principle of separation of powers also represents Madisons view on the role of government in the ... mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-15517339895620368582019-11-23T08:08:00.001-08:002019-11-23T08:08:03.312-08:00Shakespeare Sonnet 4 - AnalysisShakespeare Sonnet 4 - Analysis Shakespeareââ¬â¢s Sonnet 4: Sonnet 4: Unthrifty Loveliness, Why Dost Thou Spend is interesting because it is as concerned with the fair youth passing on his attributes to his children as the preceding three sonnets. However, to achieve this, the poet uses money lending and inheritance as a metaphor. The fair youth is accused of being frivolous; spending on himself, rather than thinking of the legacy he could be leaving his children. The fair youthââ¬â¢s beauty is used as currency in this poem and the speaker suggests that beauty should be passed onto his offspring as a kind of inheritance. The poet again depicts the fair youth as quite a selfish character in this poem, suggesting that nature has lent him this beauty which he should pass on ââ¬â not hoard! He is warned in no uncertain terms that his beauty will die with him which has been a recurrent theme in the sonnets. The poet uses business language to clarify his purpose and his metaphorical position. For example, ââ¬Å"Unthriftyâ⬠, ââ¬Å"niggardâ⬠, ââ¬Å"usurerâ⬠, ââ¬Å"sum of sumsâ⬠, ââ¬Å"auditâ⬠and ââ¬Å"executorâ⬠. Discover the sonnet first hand here: Sonnet 4. Sonnet 4: The Facts Sequence: Fourth in the Fair Youth Sonnetsà sequenceKey Themes: Procreation, death prohibiting the continuation of beauty, money-lending and inheritance, not leaving a legacy to offspring, the fair youthââ¬â¢s selfish attitude in relation to his own attributes.Style:à Written in iambic pentameterà in sonnet form Sonnet 4: A Translation Wasteful, beautiful young man, why do you not pass on your beauty to the world? Nature has lent you good looks but she only lends to those who are generous, but you are a miser and abuse the amazing gift you have been given. A money lender cannot make money if he does not pass it on. If you only do business with yourself you will never reap the benefits of your riches. You are deceiving yourself. When nature takes your life what will you leave behind? Your beauty will go with you to your grave, not having been passed on to another. Sonnet 4: Analysis This obsession with the fair youth procreating is prevalent in the sonnets. The poet is also concerned with the fair youthââ¬â¢s legacy and is committed to convincing him that his beauty must be passed on. The metaphor of beauty as currency is also employed; perhaps the poet believes that the fair youth would relate to this analogy more easily as we are given the impression that he is quite selfish and greedy and is perhaps motivated by material gains? In many ways, this sonnet pulls together the argument set out in the previous three sonnets, and arrives at a conclusion: The Fair Youth may die childless and have no way of continuing on his line. This is at the heart of the tragedy for the poet. With his beauty, the Fair Youth could have anyone he wanted, and procreate. Through his children, he would live on, and so too would his beauty. But the poet suspects that he will not use his beauty properly and die childless. This thought leads the poet to writeà Thy unused beauty must be tombed with thee. In the final line, the poet considers that perhaps it is natures intention for him to have a child. If the Fair Youth can procreate, then this leads the poet to consider his beauty enhanced because it fits into the overarching plan of nature. mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-90640183292081052792019-11-21T04:33:00.001-08:002019-11-21T04:33:08.492-08:00Chemistry Term Paper Example | Topics and Well Written Essays - 1000 wordsChemistry - Term Paper Example Identification by mass sets this element as the third-most abundant element in the universe after elements of hydrogen and helium. Representatively by dry air volume, oxygen forms about 20.9476% (209,460 ppmv) of the atmosphere by volume at the sea level temperatures of 150C; thus, making it the third largest compound. Understanding the composition of oxygen and its molecular composition is essential in its incorporation to further chemical uses given that it is a primary atmospheric industrial gas product. For instance, given that one has 32 grams of oxygen, this will be equivalent to one mole of Oxygen gas while 16 grams of the same would be a representation of Oxygen element. This implies that the molecular mass of Oxygen is 32 grams while its atomic mass is 16 grams. By ratio compared to dry air, Oxygen forms about 23.20% of the atmospheric air by weight and has a boiling point of -182.950C. Oxygen forms about 85% of the earthââ¬â¢s elements such as oceans, and is a component of most minerals and rocks given that 46% of these rocks and minerals comprises of Oxygen. Subsequently, the compound forms about 60% of the human body mass. Oxygen as a chemical compound possess distinct properties such as being colorless, being tasteless and odorless. Oxygen also has the property of being poorly soluble in water. A particular gravity of 1.105 is enough to make oxygen be slightly heavier than air. When the Oxygen is cooled to its boiling point of -1830C, it turns appearance and becomes a transparent, pale blue liquid that has a slightly heavy weight than water. Oxygen as a compound can react with all elements, excluding the inert gases resulting in the formation of oxides through a varied reaction rate (oxidation). Even though oxygen in itself is non-flammable, it enhances the combustion process; thus, enabling all flammable materials to burn vigorously. The use of oxygen in industrial mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-89841428102755903142019-11-19T20:54:00.001-08:002019-11-19T20:54:04.598-08:00The Process of Changing the Oil in Your Car Research PaperThe Process of Changing the Oil in Your Car - Research Paper Example To change the oil, you need to drain the car first of its old oil. The used oil can be drained out of the oil pan at bottom of your engine. The pan that holds the oil has a drain plug that looks like a big bolt of which you need to remove to drain the old oil. But before removing the drain plug, make sure that you have already positioned your container beneath the oil drain. The container will catch the used oil as it spills out of the pan. When it is already in place, you can now remove the drain plug and let the old oil pour into the container. When all of the old oil is already drained into your container, replace the drain plug and tighten it. After draining the pan of the used oil, you have to remove the old oil filter. Most of the time, you will have to be under your car to do this but sometimes it can be reached from the top of the engine that you will not have to crawl under your car. You can remove the old oil filter by using an oil filter wrench to turn it in the counter clockwise until itââ¬â¢s loosed. But before installing the new oil filter, lubricate it first with the new oil so that rubber gasket can easily be screwed when you install it. After lubricating the new oil filter, you can now fill it with the new oil of about 2/3 of its capacity. After that, you can now install it into its place. Carefully hold it upright and screw it clockwise; remember to be careful because it has oil in it so it wonââ¬â¢t spill. Lastly, you can now fill the engine with your new oil. To do this, just remove or unscrew the oil fill cap and inject the smaller end of your funnel. At this stage, it is important to check your owne rââ¬â¢s manual if you are doing this the first time of how much oil your engine can hold. The amount of oil your engine can hold varies with different type of vehicles so it is important to check. When you have already checked the capacity of oil your engine can hold, put the new oil in it remembering that the amount of oil you have put into the engine will be just a little more than ? of what it can hold. Never throw you used oil on the ground, nor dispose it on a river, creek or in a garbage bin. Remember that oil is combustible and can be dangerous to any organism living in a body of water. Instead, call your local gas station or oil change station and ask if they would like to have your used oil. Most of them would take your used oil because this can be recycled for future use. This would not only decrease our dependence for foreign sources oil but also helps to preserve the environment as well. When you have done all of this process without a glitch, congratulate yourself fo r you have just saved yourself some money. Word count: 760 mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-49344227710571592962019-11-17T09:26:00.001-08:002019-11-17T09:26:07.570-08:00Native Americans Essay Example for Free Native Americans Essay Thesis Statement: A city of diverse religion, rich history and fast-paced developing economy, Memphis Tennessee continues to gain respect from locals and tourists alike. Introduction: With nearly 700, 00 estimated population; Memphis is Tennesseeââ¬â¢s largest city, and the 19th largest city all throughout the United States. With settlements rooted from the early 16th Century, populace number continues to multiply with an interesting collaboration of white, black and Native Americans, even Asians and other races as per demographics. Strategically located at the center of the state, Memphis continues to target commerce from both the shipping and transportation industries. Innovations in infrastructure, interesting grounds for recreation and a home to reputable educational institutions; makes Memphis inviting enough for permanent settlement. 1. History and Geography a. History- Originally inhabited by native American Indians in the 16th Century, settlement around the river had been distracted by a number of explorers, evasion of union forces and presence of epidemics like the yellow fever. Emerging from the uncomplicated Mississippian tribe is a city with vast social, cultural and economic contributions to the state. b. Geography This city bounded at the south of Tennessee has a humid, subtropical climate with four distinctive seasons. Interesting terrains around the 296. 35 square mile territory include parks all over the city and notable transportation aides like freight railroads. 2. Economy and Government a. Economy Even before Memphis has been officially founded, it was already hailed as an important location for commerce, exchanges and travel. Up to date, economy within the city continues to evolve as transportation industry booms, entertainment and film industry continues to expand and Fortune companies continue to invest. For these achievements, Memphis has been awarded by Inc. magazine in 2000 as the eighth out of fifty best major U. S areas for business. b. Government Memphis has a Mayor and council form of government which originated in 1960s. 3. People A greater number of African/Black American occupies the city though there percentages of white Americans, Asian and Latinos. A home of different beliefs, the city of Memphis welcomes differences in congregation and denomination. 4. Culture and the Arts Home to musical legend Elvis Presley, Memphis locals had also been the founders of various music genres ââ¬â making it worthy enough to be tagged as ââ¬Å"Birthplace of the Bluesâ⬠and ââ¬Å"Birthplace of Rock and Rollâ⬠. A rich collaboration of culture and the arts makes the city an interesting destination of travel and recreation. 5. Tourism and Recreation Economic advances and cultural distinctiveness plays a major role in the rise of tourism in the city. Surrounded by art galleries, parks and museums; Memphisââ¬â¢s interactive recreation makes it one of the stateââ¬â¢s finest destination site. A typical city rooted from rich history, developed to progress as one of the Stateââ¬â¢s finest, Memphis, an urbanized territory in South Tennessee continues to emerge as a growing metropolitan. With residents increasing in sufficient number, economy rearing to be at par with United Stateââ¬â¢s top commerce, with welcoming variety of race, religion and belief; Memphis retains reliable statistics and reputable reasons why settlement and livelihood in this city is note-worthy. Bibliography: â⬠¢ ââ¬Å"Memphis, Tennesseeâ⬠. Wikipedia, The Free Encyclopedia. Wikimedia Foundation, Inc. 24 August 2010. Web. 25 August 2010. http://en. wikipedia. org/wiki/Memphis,_Tennessee â⬠¢ History of Memphis. City of Memphis, 2010. Retrieved 25 August 2010. http://www. cityofmemphis. org//framework. aspx? page=296 â⬠¢ ââ¬Å"Memphis, Tennesseeâ⬠. City-data. com. Advameg, Inc, 2010. Web. Retrieved August 25, 2010. http://www. city-data. com/city/Memphis-Tennessee. html mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0tag:blogger.com,1999:blog-3767863365614771080.post-89735480012665734772019-11-14T21:58:00.001-08:002019-11-14T21:58:04.280-08:00Essay --As young adults and teens, we all face social and emotional issues. After World War I, the Germans were killing the Jews because they were blaming them for losing the war. For example, Holocaust began because the Jews were being blamed. This was the main issue that the Jews faced. Hitler then got everyone to believe that the Jews were the problem for everything. This is just one example of how issues affected people. Issues are a problem that people face daily. Issues can be divided in to social, emotional, physical. An example of a social issue could be bullying. Bullying is a social issues because it is the way a person decided to communicate to another. Depression is an example of an emotional because it has to do with how a person feels inside. An example of a physical issue would be abuse. Social and emotional issues can be seen in families, friends, and depression. When teens are faced with these issues, they cope in different ways. When young adults and teens cope with social and emotional issues in families, it is shown in many ways. First of all, families usually have social issues. An example can be when a family has bad communication and they are fighting. Fighting with family members would be a social issue as well because it is the way they communicate together. A few ways that young adults cope with social issues includes fighting with others, staying quiet, and violence. Next, families can have emotional issues too. Some emotional issues can be caused because of social issues. For example, if a family is ignoring one child, that child could feel unimportant. The was that young adult cope with emotional issues are similar to the ways they cope with social issues. Thirdly, in the book Speak by Laurie Halse Anderson, ... ...motional issues. For example, fighting with family members is a social issues that can lead to emotional issues. Secondly, friends are another big cause of social and emotional issues for young adults and teens. For instance, when friends talk behind each others back. Lastly, depression is a sadness inside a person that can cause social and emotional issues, and the ways of coping are different. For example, if someone was depressed, the may decide to cope by keeping the problem to themselves because they are scared to tell others. During the Holocaust, the Jewish had to deal with their issues. Their issue was that the German were killing Jews because they were blaming them for losing World War I. The way the Jews coped with their issue was going into hiding. They believed going into hiding would be the best way to cope because nobody would be able to find them. mablewhite1990http://www.blogger.com/profile/05768661479682163777noreply@blogger.com0