Sunday, November 24, 2019

The American Civil War essays

The American Civil War essays The American Civil War was a military conflict between the United States of America (the Union), and 11 secessionist Southern states, organized as the Confederate States of America (the Confederacy). It was the culmination of four decades of intense sectional conflict and it reflected deep-seated economic, social, and political differences between the North and the South. One of the major causes of the Civil War was the seemingly endless political disputes over slavery in the Mexican Cession and Louisiana Purchase territories. It was imperative that the Democratic and Whig political leaders maintain harmony between their Southern and Northern supporters, thus, the platforms of both during presidential elections like that of 1848 tried to avoid that particular slavery question. However, the extension of slavery into the new territories was one of the largest issues of the time, and with growing opposition from the North, evasion of it became increasingly difficult. Another signif icant cause of the war was the growth of different responses to antislavery practices such as the Underground Railroad and reactions to runaway slaves and the Fugitive Slave laws that spurred from all sections of the country. Finally, there was the economic distress factor, of both foreign and domestic roots, that included everything from tariffs to the financial crash of 1857. These in turn caused sectional disputes over the use of the federal governments public lands. In early 1848, when gold was discovered in California, a horde of adventurers poured into the valleys. Free-soilers and slaveryites argued over the proposed issue of slavery in the territories, and thus, whether the terrain itself was suitable for a slave economy. In Congress on August 8, 1846, Pennsylvania Representative David Wilmot moved an amendment: that, as an express and fundamental condition of the acquisition of any territory f...

Thursday, November 21, 2019

Organizational Behavior Essay Example | Topics and Well Written Essays - 500 words - 12

Organizational Behavior - Essay Example One of the coping mechanisms that I use to deal with stress is being honest with others and expressing to them that I have troubles speaking English. People at school are always nice and they help me along when talking to them. When a person knows that the other has troubles with English they speak slower and use simpler language. They also listen more carefully when I talk. In the classroom when I am taking notes sometimes I have trouble understanding the English the teacher speaks. The coping mechanism I use to deal with this situation is recording all my classes in a digital recorder. I then look back at the tape recorder and play back the part I did not understand. Whenever I need extra help a friend of mine listens to the recording and helps me out with an explanation. Sometimes at school I feel stress for other reasons such as a tough project with short deadlines or a difficult test coming up. Some of the things that help me deal with stress are listening to music, playing a cl assic Seinfeld episode on Hulu.com or going out with friends to watch a good movie at the theater. In my life I feel both powerful and powerless at times. Thankfully the powerful situations outweigh the powerless. As a college student I am in a privileged situation in society because I have the opportunity to earn an education which will help me a lot in the tough and competitive labor environment of today. I live a free life without any concerns or external worries associated with being the head of a family or work related pressures. I have the opportunity to choose a college curriculum and degree that I like. I spend my weeks going to stimulating classes that I like, while being surrounded by great people all around the university. I have met a lot of tremendous persons in school that have helped me mature as a person by interacting with me in college. I enjoy a lot my social life in college as well as my

Wednesday, November 20, 2019

Personal finance Essay Example | Topics and Well Written Essays - 500 words

Personal finance - Essay Example My concerns over the job market, the economy, and my student loan debt have led me to consider going to school for an additional year and earning a B.Ed. with teaching certificate so that I have a backup employment plan for the future. 1. Financial goals for the next 2 years (or until graduation with the 4 year degree). Monthly budget (show typical month to include a monthly pro-rate as needed (for each year). To some extent you have already done this. You can use spreadsheet following the basic outline of the budgets from worksheet #1 in the workbook. In a footnote add an explanation of any extraordinary items not contained in a monthly budget. After graduating, I have a two year grace period on my student loans to get settled, find a job, and begin building my career. It would make sense to start saving to build a cushion for emergencies and a base of savings to help cover bill payments. I will owe around $20,000 in student loans upon graduation, which I expect to pay off in 8 to 10 years. I have around $4000 in credit card debt from books, clothes, and other living expenses in school that I will need to manage. After graduation, I would like to travel for three months to Mexico and Latin America, and will budget around $4,000 to $5,000 in travel expenses for the trip. I expect to fund half of that through my own work and half through family gifts at graduation. In my first 2 years after college, I hope to receive a job paying in the $40,000 to $50,000 per year working for the company with which I did my internship last year. To date, I have applied but not heard back on my resume. With a budget of $40,000, I will receive around $2800 per mnoth after taxes for my budget: 2. Financial Goals for the next 8-10 years. Specific strategies to achieve them like income, major expenditures, saving amounts, and investment rate of return of targeted investments. Complete from information in worksheets and display on a spreadsheet for each year.

Sunday, November 17, 2019

Writing suggestions Essay Example | Topics and Well Written Essays - 750 words

Writing suggestions - Essay Example Therefore, the challenge of every young adult like me is to find out for himself what good a particular group can bring him and how he can use it in his life. Perhaps, the most influential group I have ever been a part of has always been my family. My family is a big one, an extended family that somehow dictated my every decision even which school I should go to, or which woman I should marry, or which people I should not make friends with, and even which political view I should adopt. My aunts and uncles in both my mother and father sides were highly opinionated people and extremely argumentative too, and sometimes even to the point of being overly critical. Perhaps, it is because they are professionals – lawyers, professors, doctors, and engineers. Since my family values respect for the elderly and since I knew that these people are used to others agreeing with their opinion, I have learned how to be humble, passive and submissive whenever I encountered my older family membe rs. It was necessary for me to say â€Å"yes† to them whenever they asked me to do an errand or whenever they gave me some advice on anything – even if it was ridiculous. Another group to which I believe I have particularly belonged for a long time is my group of friends at my high school, with whom I still communicate until now. They have mostly gone to other universities but they have been the most supportive to me during my high school years. Whereas my family only severely criticized me whenever I did poorly on any particularly subject in high school, my friends then distracted me from my frustrations and disappointments with my family. Had I not paid attention to their distractions and had I only focused on the destructive criticisms, I would be taking drugs now. Nevertheless, thanks to my friends in high school – they got me into sports and backpacking. At least, my mind had earned itself a well-deserved break from the constant nagging of my self-righteous family members. With my high school group of friends, there were only just two easy ways to adapt – to play sports and to be myself. Basketball and soccer were as easy to me as having breakfast in the morning so it was not much of a challenge. Ironically, being myself was harder for I grew up in a family where I had to please everyone to the point of assuming a whole new different character. Nevertheless, my family is obviously a more superior group to my high school friends in terms of rules. Another group who I believe has influenced me much is my three friends from our neighborhood. I got these three male friends from the neighborhood who are almost the same age with me and who are also into sports. These three young men are actually extremely dependent on their very supportive parents to the point of being spoiled. In fact, they belong to this group of people who just want to spend their time away, even waste it, thinking they got their parents to back them up all the ti me. They would usually treat me to some coffee, Gatorade or some Caesar’s salad, as they are all health buffs. Actually, I have nothing to do except to remain below their financial level – that is the only silent requirement for the group. They are three proud and egoistic men who think that no one in this world can equal them. Nevertheless, these three people taught me confidence, and taught me that I had my own free will all along. Somehow, I also needed this to balance the pressure that my family would sometimes impose on me. Although these three young men are not professionals yet just like my aunts and uncles, I believe they are superior in terms of mental and emotional freedom. Society and rules silently control my family members and govern their emotions and reactions, while my three friends are indifferent to a

Friday, November 15, 2019

The Citibank Strategy Using Ebusiness Marketing Essay

The Citibank Strategy Using Ebusiness Marketing Essay Introduction The Citibank started in 1812 in the city of New York in the United States of America, the bank started with very limited funds selling mostly insurance policies and investments, the bank was one of the first national bank in the US, developed very early in the late 19th century, the bank expanded fast and gain customers confidence quickly which made other banks fear the fast growing Citibank, later became called the Citigroup which involved other financial sectors and joined the integration business operations with other companies. The bank created new business opportunities, for many business by offering loans and shares, the company has created the business cards which made it easy to deal with the money transactions and other payment methods, the credit cards use to be fast for that period of time, but with the fast growing use of the cards, the business boomed and other method for money transactions being required, the Citibank was one of the first banks to create the online e-business solutions to ease the work load on their employees, reduce the cost of papers with paperless statements to customers, and increase the speed of communications. The banks competition has increase in the past few years, the invention of the e-business and software solution has took the banks systems and advanced it for the befits of both the banks and their customers, the innovation resulted in the increase in competition using any methods to win and control the markets, the competition has two ways of competitions, the perfect and the monopolistic, the Citibank used both of them, shared benefits with perfects competition using integrated business plans with other banks and business partners and used the monopolistic to introduce cheaper prices and shared investments with overseas beneficiaries without the concern of the impact on the US markets. The Citibank used many strategies in their plans, using the strategy to compete in the market needs plan to monitor the financial market and the stock market very closely, the bank introduce the prices very carefully when it comes to use the monopolistic approach which gives them the lead in the price manipulation, the other strategy is the marketing which is the most important factor in increasing sales margin in the tangible assets and improving the companys image in the intangible assets, using the e-business for marketing has advanced very much and the online marketing has proofed of its capabilities and worth, using the e-business for marketing needed analysis from the Citibank to evaluate the situation from time to time to manage their marketing operations and strategy. The Citibank after researching, analysing, and deciding to use their plan for all the strategies mentioned which helped them for a century of financial products and services, the company realise that any business will do anything to survive the unexpected, using the perfect theory or monopolistic are the same it does not make them evil or unethical bank, the appearance in the market and the competition comes from nowhere, are the bomb shill of the financial market and any market, the Citibank working according the stock and financial market changes and the variability of the market is controlled by no one except the fear or the stable characters that manage and operate in the markets. E-Business services strategy The computer age, came and change businesses how they functions and run, the invention of the software and other computer solutions made the business life easier and intruded speed at the work place, the new invention has two sides, the first is an advantage for the business around the world for the reason mentioned, the disadvantage is the increasing in unemployment, the more software invented the more people lay back of work and the machines taking over, lots of machinery will be controlled and operated by one employee. The whole software process done automatically, the only time is the bank human resources interfere in human contact when the situation get out of hand and investigation is a must, the bank will launch private investigation for each case, the website of the bank has many features and facilities that allow the clients and customers to brows into their products and services. (Bodily, 2004) Citibank one of many companies who are responsible for making much redundancy around the world and trusted the new world innovation in e-business and its functions, for example in the past anything get to do with bills, paper work, transactions authorisation, companys editing, needs many processor employees to deal with the requirements and the time spending on that job will take months to complete especially if there is mistakes or error by human touch, the new innovation in the software computing system the two most advantages that mentioned, the speed of the process will take few minutes for applications to be filled and the completion of a task will take few days instead of months, if any mistakes occur, the software automatically will fix the error and issue a report for that matter, Citibank has a website that uses very strong encryption database which includes all the work needs and security for protection from any unexpected hackers attack, or competitors trying to invade the Citibank privacy which is common in the monopolistic competition. (Bodily, 2004) Figure 1 the diagram illustrated the e-business operation between individual and the bank / the source Google image. The diagram gives the idea of how the data and information transfer between customers and the bank, the data will go through many authentication procedures before reach the other end with seconds or minutes, the strong and secure database needs more bit encryption codes, the software solutions has only agreed user names and pass words for the companys employees to identify them and allow them to inter the main domain software to be able to manipulate the database and do the work in a safest way, the combinations of the system is very complicated and has millions of different codes and has countless numbers, the other security and safety for the Citibank online services that have been innovated and made dealing with the bank with more confidence is that Citibank introduce the secure online personal accounts for customers which allow individuals to go online and need to put the password then put the various numbers in different page and then ask for the account holder some questions, t hen when all this done in just few seconds the bank account page gives you information of the last time you visited the page, if the user sees it was not him/ her visited, then the bank ask customers to be informed immediately and the bank will freeze the account till further investigation done. (Smart Computing, 1999) The bank also provide credit cards products, the cards would be partnership contract with the VISA, MASTER CARD, AMERICAN EXPRESS, and DINNER, the bank provide these cards to customers through contract done between the Citibank and the cards companies, contract between the customer and the cards companies, and the Citibank and customers, the bank will fill automated application through the safe their database and the cards companies database, the application takes few minutes and the answer will be approved or declined, if its approved, the bank will fill automated application to part that is designed for the bank in the application confirm the authorisations of money and the card, the bank then will issue another automated application between them and the customer for a contract that guarantee the customer will agree to their policies and receive the cash with guaranteed safety, the bank then will try to sell the customer their favourite product which is the insurance for the loan j ust in case of unemployment, sickness, or other reason that will be related to the customer un able to pay the loan back, the card issuer will take few days to process the card and transaction of the cash will be automatically processed, this process in the past would take months to complete. (Daft, 2008) The Citibank products and services, promise that the new innovation way of the bank functions are simple, fast, and secure, so the bank when provide online process of application the promise to ensure the customers service and support through the period which the customer requires, the bank provided claims facilitation for the online support that was designed for communication between the bank and customers, the products such as insurance has various style and designed to different segments, there is life insurance just in case of any deaths in the family, health insurance that designed for reduce the hassle of GBs and hospitals and give peace of mind just in case of health emergency, travel insurance for families or individual just in case flights cancelled or trouble in the process of the airport or anything related to travel, insurance on property includes business and private properties which the bank made it compulsory if the customer took the loan from the Citibank, in some ins urance the Citibank require customers to fill application and provide all the personal data then the insurance will be immediately effective, and other insurance needs to be investigated after filling the online application such as home insurance. (Robbins, 2001) The Citibank with all these e-business products and services, the software companies didnt stop on providing the online services at this point but gone much far than that, the database between them and customers, the use of the mobile phones has increase comparing to the 90s when its first used, in that time such use only for calls and maybe some companies give the customers privilege of SMS in the old encryption data, the calls were too noisy and the and the online or internet werent invented yet, the banks customers would be advised to visit the bank very often to ensure of his/her bank account running smoothly. (Earl, 1999) The software companies has created a system similar to the online on the internet on computers, the use of the internet on mobiles phones has topped the chart for businessmen, students on the go, businessmen needs the internet handy when they travelling and some data to be sent right away and this data sometimes contain important contents, other important use is that sometime some money transactions to be confirmed before deadlines, so some deals to be completed, Citibank asked the software solution company to use their latest innovation in mobiles technology with their bank services by contacting and facilitate the online services with mobile online personal accounts, the contracts set again with two parties, the first one is the bank with data transferred securely online on the mobile, second is the mobile company such as Vodafone, Orange, and T-Mobile and others, the contract will allow the bank to use and manipulate their database online through different encryption that designed solely for the mobile use only and allow Citibank customers only to process their online personal bank, in return for this service the bank will encore little charges that will go to the mobile phones company for their allowing the bank and the bank customers through their technology. In the past the needs for data transfer, information feed, on the go messages between the bank and the customers were not even a dream, people wouldnt believe the idea or someday some technological advancement would get to the point where SMS messages will reach the internet mobile services, but now in the use of the mobile services has reached customers that wouldnt be possible before, the bank provided SMS services that will allow customers to go through their bank accounts online on their mobile phones and check their messages from the bank to inform them of the balance and their statements, they even give a code to short SMS messages with 52484 which allow the customer to go direct to the page as this code being published on the Citibank website, the other thing that resulted from the contract between the bank and the phone companies is that both companies will have shared advertising, the bank using the phone companies will recommends the contracted phone companies to their cust omers and the phone companies will advertise for free in their phones pages for the bank, in this way both companies using each other customers, the diagram structure illustrated in the next diagram shows the e-mobile new invention of how data and information being used and what structures involved in the data transfer through only mobiles encrypted codes. (Earl, 1999) Figure 2 the diagram illustrates the e-mobile operation structure / the source: Google image. The Citibank also provides online services such as paying the utilities bills such as gas bill, electricity bill, the services will be encrypted to suit the transactions between banks, for example the customers go online and choose the feature that say mange your bills, the page will identify the codes encrypted when password inserted, the page then appears and the customer will be required by the bank to fill some form online, then after the page completed the software automatically asks from the customer to wait for the application process, the page then will appear to confirm the transactions form the bank page to the company that issued the bill and sending email confirm the payments. (Earl, 1999) The bank even invented a saving system plans for their customers using the automatic savings accounts, for example the technology software designed for customers, to deposit a certain amount of money let say $500, the cash in two year will automatically work through very complicated data allow the number work itself through some investments, the calculation data would be inserted in advance into the system so the money will be calculated each month automatically, taking certain percentage from the investments cut despite the investments success or fail, the calculation set to have the cut from the investments automatically to the customers bank accounts, the procedures through the e-business are very complicated, so no one allowed to altered or changed it, other investments that the customer will share the data designed to allow the customers share the loss of some investments if they decline and the contract is very clear about this on the online application, the clients on the othe r hand have different shares and different applications that only allowed clients or companies to enter private domains on the software solution main page. (Handy, 1997) Figure 3 the diagram illustrates the Oracle application server which allow only secure data transfer / the source: Google image. The diagram illustrates the type of server that they use which carry strong bits and security software to enhance the protection of their customers, the software also give customers other benefits such as input and output information without the system break down. One of the biggest Citibank investments products is, the mutual fund investments which the software give customers the challenge to compare their prices online, through their own URL and websites to guarantee the customers the promise of fairness and give customers the taste of the investments that will change their life forever, the bank realise that advertising for their products is not enough, they had to take the challenge with the help of the technology through comparison with other banks or building societies offers online, the offer includes the extra benefits that Citibank willing to give up for their customers for the benefits of both the bank and their customers, the Citibank already researched the use of the comp arison software and understood its methods, the more benefits to customers the more the software will put them on the top of the comparison list, and that how the software has been designed not for specific bank, its mutual contract for the benefit of everybody involved in this equation of cat and mouse, the strategies of the Citibank are differ from country to country and region to the region, the websites are so many and each one has different language and different approach even though the target is the same to increase profit and inter new markets, the use of the online banking has the same benefits for any nationality or culture, and the Citibank has designed many websites for their bank all over the world. (Handy, 1997) Citibank Strategic Methods The Citibank operates using two theories, using the perfect theory and the monopolistic theory, the perfect competition theory when the market is deciding and have prices control, and all companies are happy with it, no one has the power in controlling the prices function, the Citibank perfect competition allow other companies to share the competition, in the other side of the competition theory is the Monopolistic competition which apply its hard line attack on prices, companies who are ready to take this road has opportunities to use the market in an odd way to gain profits dealing in this kind of competition and selling products, the market easy to use one way enter and the other way exit and no obligations, there are many products and consumers in this market but no business has total control as the prices sometimes change according to circumstances such as financial market changing. (Borden, 2009) Since the beginning of the world financial problems few years the Far East governments have a contingency plan to protect their economy by not depending on one sector or one business as they formed a plan of Diversification in both the government and private sector in which made them pass the credit crunch that happened in the US market regarding the Citibank business in which show that the overseas branch has survived the decline stage comparing to the other banks in the US market because of the freedom of ability to change some regulations overseas that depends on the circumstances. (Carr, 2003) Figure 4 the table illustrates the bank balance sheet for internal use by the Company/ the source: Google image The table above illustrates the basic known balance sheets for bank and building societies; the balance sheet help the bank determine the revenue and expenditures for the company annual statements. The Citibank starts to follow the plan in which suits all their market audience mostly new segments and new markets, The banks move was to educate employees, and provide proper training and understanding about the culture of each region, and understanding the laws and legislations of each government separately and make sure that the managers have the right management equipments and tools for running the company overseas. (Carr, 2003) The good strategic move Citibank is to change the image that developed lately about company abroad, the first one is the use an ethical way of supporting some takeaway business with loans that use food processing with chemicals seeds to grow a paltry, without realising that the bank movement has been calculated and monitored from different ethical groups. So Citibank try to change this image by come close to the community and show them how they follow the right way, they only support those who are following the right ethical path, especially the local religion and culture in some Far East countries such as Indonesia about following the ethical ways, introducing HALAL bank account which does not charge interests on any bank account in the Islamic way, on the other side of the world, in the US the plans didnt work the way Citibank hoped, the ethical groups are fiercely attacking the bank plans of supporting companies that uses chemicals and damaging the environments, which resulted in controversy and debates, and that wasnt the only case. (Borden, 2009) The Citibank get involved in many unethical cases such as relying on foreign investments that depends on cash and not involved the concern of the ethical side, the case involved allowing overseas investors who are involved or suspected in wrong doing in the banks shares, and other cases such as running from paying taxes on some secret investments overseas that not has been registered in the US tax department. (Borden, 2009) Marketing Strategies The most aspect of the banks business, or any business for that matter, the company abilities to sell their products and services, the way of represent themselves and how a company can promote themselves with careful approach to the other businesses and the public, the most important thing for the Citibank using the marketing techniques is the use of the HR to control the damage that has been a headache all these years. (Kotler, Keller, Brady, and Goodman, 2009) The Citibank used the strategies such as the four Peas, the strategy which proofed success in the market because of its accurate analysis to identify their assets such as tangible and intangible, the assets have great power impact on any business, when identify what the company as place, product, price, promotion, the company can determine the immediate situation of what they have and compare it to the market and their competitors, the bank will find where they stand in the market, using other analysis such as the market the BCG which means the product life cycle, any company use this matrix can determine their products or service if its worth selling it in the market or its waste of investments in new product or service. (Kotler, Keller, Brady, and Goodman, 2009) Figure 5 the diagram illustrates the 4Ps matrix for the marketing mix/ the source: Google image. The 4Ps in this diagram explain the basic 4Ps matrix and its marketing mix, the Citibank uses this matrix all the time to determine their own marketing mix, start with the products, the bank provided the world with the finest banks services and products which adding new various extra every time the market require the change such as the e-business and update and renewal of the computer systems, if the bank does not use these techniques they wouldnt know that the markets needs the changes and the products will be the same and nothing extra or no variation in products will be added, products and services innovation coming in the same category of the variation which products and services needed to be inspired by the old ones, the inspiration comes also form the customers needs such as the customer easy to use a bank account and the ability to manipulate his/her own bank account which came possible with the e-business. The place or the locations in the marketing mix, suppose to be the first choice for any business the distribution channels which is favourite by any bank around the world to be able to connect with their customers, the Citibank has many locations around the world that enable them to sell direct to customers and increase communications with their clients as well as the public, when talking about the place in the past, someone will understand is only the locations , but with todays technology advancement age, the concept has changed and place in the marketing mix also means the online services which include all the features that are available on sites, everything customers needs it will be on their websites, including choosing of any language, data, design that suit individuals, business 2 business communications, data and cash transfer, and many more. (Li, 2007) The price of the Citibank always using the price elasticity to compete in the market, the hard line prices which force customers to buy the products without compromise is out of the question, the plan of the bank always have variations as well as the products, the prices are different targeting different segments such as students cards which has a different price charges than adults or pensioners, the Citibank uses the penetration price techniques which allow them to set a price for a market solely for the penetrate the market, for example a basic bank service or product cost a certain amount in the market, to penetrate that market the Citibank as a large experience company set challenging and competitive price known that other banks will not try to do the same, in this case the Citibank penetrate that market in that specific product or service knowing that they won that product or service. Finally the promotion, a technique in the marketing mix that give a chance to the bank to identify the present promotion techniques and what are the new competitive techniques, the first thing this technique depend on is the mass communications, the communication will be between the Citibank and their marketing company that has a complete management system designed especially for this kind of function, for example when the Citibank faced all that unethical fiasco and the controversy that came with it, the marketing team and the PR of the company unit with the marketing company to do damage control and set the right criteria for releasing statement right away, and didnt stop in that, the PR of the company kept appearing in different media channels, a newspapers, magazines and TV shows to calm the press down and proof that the bank actions are ethical and responsible. (Poter, 1998) Conclusion The Citibank as a large corporation, started as an effort of ambitious individuals who saw the future in something that became multinational company later, the company has offered the world many great products and services, created many opportunities and jobs for the public, helped the yearly capitalism to evolve with a system that proofed its success for over a hundred years, the company helped the world of how to create management system, increase communications techniques, helped in many researches and projects that contributed to the world of business of today, each individual in the leading senior management throughout the history of Citibank has created something new for the companys systems functions, walking with the changes and the obstacles that have occurred in the last 100 years has made the company stronger and wiser and that is why the company deserve the praise for success even though their main target is the cash. The company technological advancement and co-ordination in communication, helped the company to maintain the lead in the banking business, when the technology of online business came about in the middle of the twenty century by many Microsoft companies, the computer appears in many companies offices and start to be part of the business, the public then has no idea who information and cash being transferred or market works. The Microsoft companies start to challenge each other in the software technology which transferred the business function forever with the e-business and working online, the future of the e-business the way Microsoft sees it, it depend on the customers demand because the world markets today are leading positions on any business or functions is the (demand word), the businesses realise that the demand age is here and depends on the future customer imaginations and liking, the Microsoft predictions are creating software that calculate for the customer all the banking options and give them the best deals not only what is going on today which present the customers with choice of best deals on comparison sites, the future calculation is counting the person best interest of the charges and the system in the future will force bank system to change to concentrate on the customers interest rather than the cash and sales that generated by venerable customers who are being charged with lots of m oney and they have been cornered by greed of the banks. The Citibank plan is to create a new management system that can monitor changes in the unexpected events that force immediate actions; the plan will includes the increase in partnerships with feared competitors who are causing Citibank money and effort to keep them out of bay, these companies not only in the bank business but also in the other business functions using the help of the US governments senators and other congress Politians power to force laws and regulations to be adjusted or removed to suit few rival companies, the Citibank has their own share in the equation of power but to illuminate the surprises, their plan to come closer to the rival its one of their priorities. The Citibank uses a software system that connect them straight to the financial and the stock markets, using the online e-business has helped them to monitor changes in the rate of exchange and the stock market share, as the Citibank corporation operates overseas, their actions depending on the rate of exchange and enhance their profits and revenues, the bank trying to regulate the e-business system with their overseas rivals in the banking business and create rate exchange monitoring system that will be specialised in the movements of the transactions, rather than the present system that only depends on the market movements and the price that would lead them to follow the market price regardless of their rate exchange concern, even though the Citibank used their tricks in the past, the company fears from the consequences that leading to the media scandals and public mistrust. Finally the Citibank is the company that has contribute for many years, delivered to the public great bank system, introducing e-business cost money, time, and effort to research it and implemented, the future for the bank business is bright and looking rather well, the bank system always will put the revenue ahead of their customers and that is the way business world functions.

Tuesday, November 12, 2019

venonous snakes :: essays research papers

  Ã‚  Ã‚  Ã‚  Ã‚  It all started about five years ago when my brother had gotten me a job at the zoo. My whole life I had never really been interested in snakes, I had always thought that they were useless and served no interest to me what so ever. My entire life I had always had a love for animals and wanted to go to vet nary school so I could always be around animals, so Harold had given me a chance to become a zoo keeper.   Ã‚  Ã‚  Ã‚  Ã‚  I worked at the Scotch Plains Zoo for three and a half years before it was closed down do to lack of money. While I had worked there I had become to love snakes and thought that were amazing creatures. This love grew to where I started taking in snakes that people didn’t want as pets anymore so I would care for them. I started out with two constrictors one blood python and one red tailed boa. I still have both of these snake today the python is 7ft and ninety pounds and the boa is 5 feet and about fifty pounds. At first my parents were going to have a heart attack but they accept it now.   Ã‚  Ã‚  Ã‚  Ã‚  While I was working at the zoo I applied to take the test for caring for exotic and endangered animals. It had taken forever to get my permits and even with them it is still hard to purchase a lot of animals. When I moved out of my house and got my own place I wanted to start a breeding program for venomous snakes for other zoos in the country. I don’t sell my snakes to them I just donate them so other people can see and learn from them that they are not Satan’s creatures and are quite docile.   Ã‚  Ã‚  Ã‚  Ã‚   The first snake that I had purchased was a horned pit viper (which had taken me about 5 months to get. I had to hand build all my enclosures due to the fact that each snake needs different humidity, light and enclosure space. As time gone by I had gotten two more breeding pairs one russels viper and one death adder. The two vipers have a high potency of venom but nothing like the death adder, plus the death adder has one nasty attitude problem. The death adder is the third most venous snake in the world and if it did bite me I would only have 10 minutes to inject myself wit the anti-venom or I would be dead, and even with the anti serum I would still be hospitalized for some time.

Sunday, November 10, 2019

Four Strategies I Would Use to Plan and to Lean an Effective Meeting

Four strategies I would use to plan and to lean an effective meeting are as followed: first I would prepare for the meeting, next I would start the meeting off to a good start, then I create an atmosphere for participation, finally I would end the meeting. Preparing for the meeting requires thorough planning. Decide the purpose of the meeting and put it in writing. It should be something you can measure or document. Don't write, â€Å"We will discuss solutions for production delays. Instead, be specific. â€Å"We will develop a plan to document causes of production delays. † Give all participants something to prepare for the meeting. Once you have determined the time and place, prepare a memo detailing the location and ending as well as starting times. Include the purpose of the meeting and, preferably, the agenda. Mention that people can call you to clarify agenda items prior to the meeting (Thill & Bovee, 2011, p. 43).Getting the meeting off to a good start, meetings must s tart precisely on time so as not to punish those who are punctual. This also sets the stage for how serious the chair is about making the meeting effective. Open the meeting with introductions. Clarify who will take minutes, prepare the action plan and deliver it to members after the meeting, and be responsible for any other procedural details that need attention. State the purpose and review the agenda. Assign approximate times to each agenda item if you have not already done so.Creating an atmosphere for participation, there are many critical decisions that should occur at the first committee meeting. These decisions help to clarify meeting logistics. Everyone should feel comfortable in contributing to the decision-making process. When creating an atmosphere of participation, the chair should encourage group discussion to get all points of view. Turn questions back to the group for their input. Ask people to comment on something just said.Compliment people on their ideas and thank them for their input. Ask open-ended questions. Ending the meeting should conclude with a summary of work completed, a clear action plan for outstanding tasks, and a decision about subsequent meetings. The summary should relate directly to the purpose: What was the goal? Was it achieved? What remains to be done? Reference: Thill, J. , & Bovee, C. (2011). Excellence in business communication (9th ed. ). Upper Saddle River, NJ: Pearson Publishing.

Friday, November 8, 2019

Understanding and Preventing Test Anxiety

Understanding and Preventing Test Anxiety Free Online Research Papers Anxiety is a condition that plagues millions of Americans everyday, but how does it affect our children and students? Students suffer everyday from test anxiety which is a type of performance anxiety, a feeling someone might have in a situation were performance is important and there is pressure. Test anxiety is not the same as doing poorly on a test because of distraction or one’s mind being on something else. It is an actual condition. Like all forms of anxiety, test anxiety has many symptoms and signs. Physical signs of test anxiety include perspiration, sweaty palms, headache, upset stomach, rapid heart beat, difficulty breathing, and tense muscles. Students may experience any number of theses signs during a test or exam. All students suffer from some degree of test anxiety, however, when students experience signs like these there is a problem. (Hurley) As all anxiety comes from anticipation, test anxiety is no different; it comes from the anticipation of a test or exam. When the body is under stress it will release adrenaline to prepare it’s self. The adrenaline is what causes physical symptoms such as sweating, increased heart beat, and difficulty breathing. The stress comes from worrying about past performance, how others are doing, or the fear of failure. Focusing on such things fuels the anxiety and leaves no thoughts or mental space for thinking about the test questions. Test anxiety can also be caused by lack of preparation such as cramming, bad time management, not organizing test information, or poor study habits. (University of Buffalo) Test anxiety can become a vicious cycle; the more a student worries or focuses on the bad things the stronger the feeling of anxiety. The person will continue to feel worse and be filled with distracting thoughts and therefore not be able to perform well even though the student may have known the information necessary. There can be many effects of test anxiety such as nervousness or mental blocking University of Buffalo). Nervousness brings difficulty reading and understanding test questions, difficulty organizing thoughts, difficulty remembering key words or concepts for essay questions, and doing poorly on a test when the student knows the material. Mental blocking can be going blank on questions or remembering the correct answer right after the test ends. Sometimes students will study and know the material but because of the anxiety they suffer from they can not perform well, because of nervousness and mental blocking. There are many ways to reduce test anxiety being prepared or anticipating the on set of anxiety will really help as well as asking for help (Kids Health). The following is a collaborated list of preparation to reduce test anxiety. Approach the exam with confidence (Study Guides and Strategies) Learn material thoroughly so that you can still remember it under stress Self test as much as possible Avoid laziness and procrastination Use good time management Avoid cramming and the desire to do so Strive to stay relaxed and concentrate Avoid conversation or talking to those who are next to you or that will speak negatively. Have a healthy lifestyle: get enough sleep, eat well, exercise, and â€Å"down time† Sit in a well lit area of the room with the least distractions Be on time for the test Read test instructions and directions carefully Take slow deep breaths when the test is being passed out and when needed during testing Stay focused on only the exam Avoid day dreaming Make flash cards or outlines to study with Take good notes and review them after every class. The environment that the student studies in is very important to preparing and reducing test anxiety. The noise should be minimized and not distracting. Some students may need some noise while others may need silence. It may be a good idea to not answer the phone while studying to keep distraction done. Good lighting is a must. Seventy five watt bulbs are suggested to be best. It is better to keep the room cool rather then warm. Choose an area that has plenty of space and is not cramped. Your study time may also go smoother if the area is neat and tidy, so take a few minutes and clean up. Study at a desk with a straight back chair so you do not get to comfortable and want to sleep. Have everything you need to study with before you start so there are no distractions, this may include drinks and snacks. (University of Buffalo) Teachers also need to provide an environment that is appropriate for any kind of assessment that they are giving. It may also be necessary for students that suffer from test anxiety to be tested in a different room or be provided other resources and tools to be able to perform adequately. During the test a student can also use different strategies to reduce anxiety. Be sure to read the directions carefully and budget the test taking time. Change positions periodically throughout the test to help keep you relaxed. If you go blank or can not think of an answer skip the question and come back if there is time. When taking an essay test and you can not think of the answer on any of the questions just start writing and it may come to you. Most important do not panic even if other students are turning in their papers; you do not have to finish first. If you start to tense up or get anxious just relax and remember you are in control. Take slow deep breaths, stop and think about the next step and try to stay on task. Try to use positive reinforcement, look at what you have done. Expect some anxiety and use it to your benefit as a driving force. (Study Guides and Strategies) When someone comes aware that they may suffer from test anxiety that person should seek help. Tell your teacher and/or counselor so that special measures can be taken to assure that you can do your best. There are also local resources that may be able to help. Test anxiety is a real condition that needs to treated and addressed. Kubiszyn, Tom and Borich, Gary, Educational Testing and Measurement Classroom Application and Practice 8th Edition, pg. 50-51, 2007. Landsberger, Joe, Dealing with Test Anxiety, Study Guides and Strategies, www.studygs.net/tstprp8.htm, 4-12-07 University of Buffalo, Test Anxiety, http://ub-counseling.buffalo.edu/stresstestanxiety.shtml, 4-12-07 www.sdc.uwo.ca/learning/mcanx.html, Managing Test Anxiety, 4-12-07 Hurley, Ednalyn K., Understanding and Preventing Test Anxiety www.kidshealth.org/teen/school_jobs/school/test_anxiety.html, Test Anxiety, 4-12-07 Research Papers on Understanding and Preventing Test AnxietyStandardized TestingResearch Process Part OnePersonal Experience with Teen PregnancyIncorporating Risk and Uncertainty Factor in CapitalAnalysis Of A Cosmetics AdvertisementThe Spring and AutumnOpen Architechture a white paperThree Concepts of PsychodynamicThe Project Managment Office SystemHip-Hop is Art

Wednesday, November 6, 2019

20 Computer Science Project Topics

20 Computer Science Project Topics If you are writing a computer science project, and you need computer science project topics, consider the list of 20 topics below. The Best Defenses Against Web Security Attacks How to Improve Government Websites Containing Citizen Data Cloud Computing and the Healthcare Industry: A Critical Analysis The Importance of 3D Modeling in Healthcare Difficulties of Producing Computer Programs Capable of Passing the Turing Test Facebook API: The Positives and Negatives of Their Technical Approach How to Find Better Algorithms for Fourier Transform and Matrix Multiplication How to Build Quantum Computers Capable of Factorizing Numbers into Primes P Versus NP Problem: What is the Solution? Artificial Intelligence: Formalizing Human Capabilities Data Mining: How Machine Learning and Hardware Architectures Are Helping Grow Businesses Bio-Informatics: How Computational Biophysics Offers Understanding of Molecular-Level Interactions Inside Organisms Biomedical Engineering: The Use of Microprocessor-Based Systems to Monitor Vital Signs Without Doctors Prosthetics: The Development of Computer Aided Designs Computer Assisted Education: Programming Support for Skill Learning and Cheat Proof Grading for Teachers Natural Language Processing: How Human-Computer Interactions are Growing Optical and Quantum Computing: Emerging Technologies Human-Computer Interaction: Emotion and Intent Detection Large-Scale Networking: How User-Facing Services are Growing High Turnover Rates among IT: Why This Exists in a Field with So Much Potential Growth Aren’t those great topics? Remember that these examples are meant as a guide just the same as the topics above. If the topics do not sufficiently conform to the requirements of your report writing you can always consider something the backup of our 10 facts for a college project on computer science and also our guide. Well, below you will find a sample writing piece on one of the topics from the list above to help you gain a better idea of how the writing process works: Sample College Project: The Importance of 3D Modeling in Healthcare Today there are many things in the healthcare industry which have helped to improve the way patients receive medical care and the way that doctors interact with patients. Perhaps one of the greatest breakthroughs in the last few years has been the development of 3D printing. 3D printing offers doctors a new way to really get inside of their patient without any form of invasive surgery. In fact 3D printing allows physicians to use 3D replications of internal structures and organs in a way that facilitates a better in-depth understanding of current medical conditions, progress, and regression. The 3D replications allow Physicians to spend time inside of certain facets of the body and develop the best practices for treatment or procedures possible in a way that even invasive surgery would prohibit. 3D printers have revolutionized the way modern healthcare functions. This tool revitalizes is imaging in the smallest areas of a patients body, helping to better diagnose and rectify a multit ude of diseases. The conversion of 2 dimensional images of things such as the heart into exact 3D printed replicas allows surgeons to hold in their hands the physical replica of each patient and utilize surgical planning to its highest capability. These models used in modern medicine have improved surgical outcomes for patients and led to the creation of multiple libraries among the National Institutes of Health specifically for 3D hearts and other 3D organs. By continually improving exact replication process doctors can look inside of hollow organs through a refined manual process to get a better look at things such liver or even the brain. A 3D model of patients with certain diseases can be observed over different points in time. Such observations can help doctors to review the growth rate of cancer or to see how invasive certain diseases really are and how they wrap around the internal structures of the body. Such tools have made it better to communicate across different specialties in the medical field. Doctors around the world have started using 3D printing from scans taken in a CT or an MRI. These images use a 3D data set that can be viewed from 2D which allows for multiple types of interpretations. Radiologist for example might spend their life looking at complex images in order to determine information necessary for other clinicians without the same background. And in most cases specialists who are in charge of making medical decisions have to walk through images multiple times before they can truly understand them to the same level as a radiologist. But today the use of 3D technology has augmented this otherwise time-consuming process. 3D technology has allowed for virtual realities as well as holographic display to really become the cornerstone of medical diagnostics. 3D modeling makes viewing an anatomical image into every field of medicine which allows doctors to make better diagnosis, plan for surgeries in a more practical and beneficial fashion, and educate themselves on d iseases and outcomes to a greater degree. The simplicity of 3D models also allows better communication between doctors and the families of their patients. The overall goal of integrating 3D technology and printing among the healthcare industry is to create a future state work clinicians are able to interact with pathology and human anatomy in ways never before seen. Today there remains untapped potential for the improvement of 3D modelling and its understanding and soon enough a new reality will exist   where medical imaging in a 3D fashion will far outweigh the use of 2D, something which will allow for better health outcomes across the board. Overall the implementation of 3D technologies and particularly 3D printing among the healthcare industry is a necessary transition across the world. By implementing these new technologies doctors in all countries will be better suited to provide the best possible care for their patients all the while learning a great deal more about diseases and the body than ever possible before. Such opportunities for growth will allow for the continued development of better healthcare resources and improved medical care. References: 3D Scanner Can Identify Early Foot Deformity In RA Patients.  Springer Healthcare News  1.1 (2012): n. pag. Web. Brookshear, J. Glenn. Computer Science. Reading, Mass.: Addison-Wesley, 2000. Print. Crow, G. B., Muthuswamy, B. (2014). International outsourcing in the information technology  industry: Trends and implications.  Communications of the IIMA,  3(1), 3. Dutta, S., Mia, I. (2011). The global information technology report 2010–2011. In  World  Economic Forum  (Vol. 24). Feigl, Beatrix and Dietmar Hutmacher. Eyes On 3D-Current 3D Biomimetic Disease Concept Models And Potential Applications In Age-Related Macular Degeneration.  Advanced Healthcare Materials  2.7 (2013): 1056-1062. Web. Ling, Yanglv. Computer Science In Industrial Application. Print. Montgomery, D. C., Peck, E. A., Vining, G. G. (2012).  Introduction to linear regression  analysis  (Vol. 821). John Wiley Sons. Nelis, D., Kotsou, I., Quoidbach, J., Hansenne, M., Weytens, F., Dupuis, P., Mikolajczak, M.  (2011). Increasing emotional competence improves psychological and physical well-being, social relationships, and employability. Emotion,  11(2), 354. Treleaven, Philip and Jonathan Wells. 3D Body Scanning And Healthcare Applications.  Computer40.7 (2007): 28-34. Web.

Sunday, November 3, 2019

Muslim womens dress Essay Example | Topics and Well Written Essays - 1250 words

Muslim womens dress - Essay Example Based on their writings, it is possible to argue that the Niqab and Hijab were incorporated into the Islamic code due to exceptional and temporal circumstances; and that their continued usage in modern times is subject to the demands of changed sensibilities. The following passages will offer evidence from the readings in support of this thesis. In the reading titled Is Wearing the Niqab Obligatory for Women, author Yusuf al-Qaradawi gives copious examples from the sacred texts to suggest that the covering of face is not part of the original holy decree. He argues that in the early years of Islams assimilation into Arabic society, there are numerous references to men being attracted and fixated by a womans beauty and these occurrences would not have been documented had womens faces been obstructed by a Niqab. Complementing the inference of this observation is the fact that in a predominantly trade-oriented society at the time of Islams origins, it would be a big encumbrance for women to carry out everyday tasks such as receiving and giving merchandise, receiving and giving money, etc, if their hand was covered by clothing. Furthermore, although a womans hand is considered to be an aspect of her beauty, there is no consensus as to whether it is classified as an awra. For example, from the following translation of ShÄ «rÄ  zÄ «, the ShÄ fiÊ ¿Ã„ « author of the Muhadhdhab, we learn that â€Å"As for a free women, all her body is her Ê ¿awra, apart from her face and hands—NawawÄ « states, up to the wrists—because of the verse, (and let them not display their beauty (zÄ «na) except what [usually] appears of it).9 Ibn Ê ¿AbbÄ s states that [what is excepted] refers to her face and her hands,10 because the Prophet r prohibited women in the state of iá ¸ ¥rÄ m11 from wearing a niqÄ b and gloves.12 If the face and hands were part of the Ê ¿awra, it would not have been impermissible (á ¸ ¥arÄ m) to cover them, and [in addition,

Friday, November 1, 2019

Business Report Essay Example | Topics and Well Written Essays - 1250 words

Business Report - Essay Example The organization, through the new initiative, has a lot of potential and could very well be on its way to cashing in on the demand of the market and could ideally lead its industry in no time. Unfortunately, Tedallal is still experiencing difficulty primarily because its strategy is not aligned with the organizational objectives. This issue has been identified using different assessment models such as Hayes & Weelright's four-stage model, service positioning matrix (SPM), as well as concepts such as ServQual, the service profit chain, service blueprinting and the lean service concept. These frameworks revealed that there are several mismatches and incoherent elements in Tedallal’s overall business approach that compromise several features of its new operational model. This came about through several factors, including a comprehensive offering of customer values that taxed the organizational capability and resources; half-baked strategy that failed to address the achievement an d maintenance of quality in products and services; and, the failure to meet market demands. These variables, collectively, put the company in a more dangerous ground, that when left unaddressed could ultimately lead the organization to its eventual demise. The key issues identified in this report that are needed to be addressed are as follows: 1. Although the organization adopts the four essential competitive priorities in its strategy as a service company, it fails to implement them each in their own respective areas as well as in a collective model that could coherently achieve the organizational objectives; 2. Tedallal lacks the organizational culture that could enable the company to attain its objective of putting emphasis on people and service. This aspect is particularly important, since Tedallal’s new strategy requires a high degree of organizational change that can only be achieved by changing people, perspectives and attitudes. 3. The strategy to utilize low-cost res ources and failure to invest on its people took its toll on the organization's ability to meet the demands and expectations of the customers, respond to the changes and requirements of the complex products and values it started to offer after the strategy overhaul. As this report would establish, there is a need for restraint and sober strategy building in regards to how competitive advantage is to be approached and achieved. What this means is that decision-makers within the company should decide which aspect they want to focus on, then perfect it, excel on it, and gradually build a lasting and memorable relationship with its customers. This should lead Tedellal to modify its current strategy from the existing knee-jerk or reactive approach into a long-term, coherent and unique model tailored according to its core objectives, organizational strengths and capabilities. This report has outlined several models that could guide Tedallal in effectively aligning strategy and objectives, in every step and in every aspect – from the evaluation up to the measurement of strategy according to the corporate objectives. These information are contained in a logically structured discourse of three important aspects of the organization and its strategy: Operations strategy, activity and performance; Service delivery