Accounts Sba free essay sample

The aim of my project is for me to arrive at a comprehensive understanding of the financial sector of the business world. To draw up the financial records for the year 2009 for Jen’s Supermarket and to comment on the entity’s performance using appropriate tools of Analysis Description and Overview Jen’s Supermarket is a developed and simulated entity owned by Jenevonne Kirton, who is the sole proprietor. Jen’s Supermarket is a developed supermarket which sells a variety of food items and miscellaneous goods, serving most of the island in its convenient location. The supermarket employ fifteen staff along with Ms. The capital at beginning was 202800 while at end it was 208165 which showed an increase by 5365 at the end of the month. Suggestions/Recommendations Current Ratio It is recommended that Jen’s Supermarket 1. Uses the excess money to expand the business by opening another supermarket. 2. Introduce new product to the business and purchase new equipment. We will write a custom essay sample on Accounts Sba or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Gross Profit It is suggested that Jen’s Supermarket should 1. Source cheaper suppliers to facilitate the demand of goods so profitability would be greater at the end of the month. 2. Offer new promotions every week and offer the customers raffles at a chance to win prizes at the end of the year. These are given to help Jen’s Supermarket increase gross profit and sales. Conclusion It is clear that Jen’s Supermarket keeps adequate records for the business to demonstrate the profitability over the financial period for the month. It could however, increase the current ratio and gross profit by incorporating the suggestions/recommendations outlined. Nevertheless Jen’s Supermarket made a good net profit for the month of December in 2009. Overall based on the performance of the business Jen’s Supermarket was able to make a profit of 6365 despite the low sales of 104 850.

An Overview of Brazil and Its Geography

An Overview of Brazil and Its Geography Population: 198,739,269 (2009 estimate)Capital: BrasiliaOfficial Name: Federative Republic of BrazilImportant Cities: So Paulo, Rio de Janeiro, SalvadorArea: 3,287,612 square miles (8,514,877 sq km)Coastline: 4,655 miles (7,491 km)Highest Point: Pico da Neblina 9,888 feet (3,014 m)Brazil is the largest country in South America and covers nearly half (47%) of the South American continent. It is currently the fifth-largest economy in the world, is home to the Amazon Rainforest and is a popular location for tourism. Brazil is also rich in natural resources and active in world issues such as climate change, giving it significance on a worldwide scale. The Most Important Things to Know About Brazil 1) Brazil was given to Portugal as part of the Treaty of Tordesillas in 1494 and the first person to officially claim Brazil for Portugal was Pedro lvares Cabral.2) The official language of Brazil is Portuguese; however, there are more than 180 native languages spoken in the country. It is also important to note that Brazil is the only country in South America whose dominant language and culture comes from Portugal.3) The name Brazil comes from an Amerindian word Brasil, which describes a dark rosewood type common in the country. At a time, the wood was Brazils main export and thus gave the country its name. Since 1968 however, the export of Brazilian rosewood has been banned.4) Brazil has 13 cities with over one million residents.5) Brazils literacy rate is 86.4% which is the lowest of all South American countries. It falls just behind Bolivia and Peru at 87.2% and 87.7%, respectively.6) Brazil is a diverse country with ethnic groups including 54% European, 39% mixed European-Africa n, 6% Africa, 1% other. 7) Today, Brazil has one of the largest economies in the Americas and is the largest in South America.8) Brazils most common agricultural exports today are coffee, soybeans, wheat, rice, corn, sugarcane, cocoa, citrus, and beef.9) Brazil has a plethora of natural resources which include: iron ore, tin, aluminum, gold, phosphate, platinum, uranium, manganese, copper and coal.10) After the end of the Brazilian Empire in 1889, it was determined that the country would have a new capital and shortly thereafter, the site of present-day Brasilia was chosen in an effort to promote development there. Growth did not occur until 1956 and Brasilia did not officially replace Rio de Janeiro as Brazils capital until 1960.11) One of the most famous mountains in the world is the Corcovado located in Rio de Janeiro, Brazil. It is known worldwide for its 98 foot (30 m) high statue of the citys emblem, Christ the Redeemer, which has been on its summit since 1931.12) Brazils climate is considered mainly tropical, but it is temperate in the south. 13) Brazil is considered one of the most biodiverse places in the world because its rainforests are home to more than 1,000 bird species, 3,000 fish species and many mammals and reptiles such as alligators, freshwater dolphins, and manatees.14) The rainforests in Brazil are being cut at a rate of up to four percent per year due to logging, ranching, and slash and burn agriculture. Pollution of the Amazon River and its tributaries is also a threat to the rainforests.15) The Rio Carnaval in Rio de Janeiro is one of the most famous attractions in Brazil. It attracts thousands of tourists yearly, but it is also a tradition for Brazilians who often spend the year prior to the Carnaval preparing for it.To learn more about Brazil, read the Geography of Brazil on this site and to see photos of Brazil visit the Images of Brazil page on South America Travel. References Central Intelligence Agency. (2010, April 1). CIA - The World Factbook Brazil. Retrieved from: https://www.cia.gov/library/publications/the-world-factbook/geos/br.html Infoplease.com. (n.d.). Brazil: History, Geography, Government, and Culture - Infoplease.com. Retrieved from: infoplease.com/country/brazil.html United States Department of State. (2010, February). Brazil (02/10). Retrieved from: https://www.state.gov/r/pa/ei/bgn/35640.htm Wikipedia. (2010, April 22). Brazil - Wikipedia, the Free Encyclopedia. Retrieved from: https://en.wikipedia.org/wiki/Brazil

Choose a favorite piece of music Term Paper Example | Topics and Well Written Essays - 1000 words

Choose a favorite piece of music - Term Paper Example However, the harmony that generates from the two music forms is almost similar since they both have same chords those progresses at the same rate due to the nature of tone that comes from each of their rhythmic beats. Though the two types of music may show variation in their consonance and dissonance, their texture but may either be monophonic, polyphonic or homophonic. In this instance, blues and classic music present difference in their forms such as binary, ternary, and the strophic (Handy, W.C et al, 43) Nevertheless, rhythm in all these two music forms is just but their element of the item. For instance, in any case there is tapping of one’s foot to the music, there is the act of â€Å"keeping the beat’’ or following the structural rhythmic pulse of the music. Other aspects of rhythm are the duration that defines the tone when music plays. For instance, blues do take longer than classic music in most of the occasions. Tempo that is the beat rate of any particular music also falls into the rhythm. When compared, classic music does have a high tempo than blues since their beat rates are always faster (Handy, W.C et al, 52). On the other hand, meter defines the pattern of organization of beats recurring in music. Meters are either, duplex that occurs in two pulses per group, triples occurring in three pulses per group or quadruple that takes place in four pulses per group. In relation to blues and classic music, blues do have well-defined meters than classical types. The reason is that their beats are more organized in a systematic pattern of play that goes slowly and soothes the mind. The classic types look more disorganized in their beat rates and also are rough and noisy in their nature. The beat rates are so faster such that they don’t even facilitate the relaxation of an individual’s mind in most of the occasions (Handy, W.C et al, 66) Blues types of music trace their way back from the spirituals. Initially, spirituals formed the

Predictive sales Report Essay Example | Topics and Well Written Essays - 2000 words

Predictive sales Report - Essay Example The upswings in the economy usually offer a rush of expanding the business; on the contrary, downward economy results in low business transaction. In strong economies, business enjoys greater prosperity. Along with that, it is also necessary to consider the other economical indicators of a state in order to exactly determine the scenario (Albuquerque & Vega, 2009). In this report, the economic condition of South Carolina will be highlighted and on the basis of that the retailer will be recommended to stock the inventory. In addition to recommend the appropriate stock inventory, the study also intends to formulate a predictive sales report. In order to shed light on the economic condition of the state, the most important factor that will be considered is the unemployment rate of the state. The unemployment rate will be the factor that will be stressed more. Studies have shown that the unemployment rate of a country has significant impact on the overall trade of a country. Unemployment Rate as an Economic Indicator During recessionary phases, the unemployment rate rises to its maximum level. For example, the unemployment rate during booming and normal phases is far below in comparison with the unemployment rate during recession. The 1975 depression saw global unemployment rate reaching 8.9%. ... The unemployment rate is also considered as the relative measure of the jobs available for employment and the tightness or slack of the labor market. Therefore, the unemployment rate of a state plays imperative roles in presenting the economic scenario of state and is acting as an alarm for the administration and government (Balduzzi, Elton & Green, 2001). Nowadays, business houses have also taken immense interests in the latest unemployment rates of a country or state so as to determine the chances of success for the business. This is principally because the unemployment rate is directly associated with the consumer spending. Thus, more unemployment rate will obviously lead to low customer traffic and reduced business transaction. Since, this report seeks to throw light on the economic scenario of South Carolina so as to recommend an overall inventory stock to the client, involved in physical retailing business, stressing more on the unemployment rate is fully justified. Presentatio n of the Data The data will be gathered from the website of the Job and Labor Statistics. In order to analyze the requirements of the inventory; the study will mainly consider the unemployment rate of South Carolina and along with that overall economic scenario of the state. A trend will be developed and on the basis of that inventory stock will be recommended. The findings of data are presented below: - Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2003 6.4 6.4 6.5 6.6 6.8 6.9 6.9 7.0 6.9 6.8 6.8 6.7 2004 6.7 6.8 6.8 6.8 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 2005 6.9 6.9 6.8 6.7 6.6 6.6 6.7 6.8 6.9 6.9 6.8 6.7 2006 6.6 6.4 6.4 6.4 6.4 6.5 6.5 6.5 6.4 6.3 6.2 6.1 2007 5.9 5.7 5.6

Policy Analysis Essay Example | Topics and Well Written Essays - 250 words

Policy Analysis - Essay Example Such statements are suppressed because they violate the Fifth Amendment and they are subject to the Miranda exclusionary rule. A waiver, in this regard, occurs when the suspect logically, knowingly and voluntarily waives his right. In order to determine the validity of the waiver, it is important to look at the circumstances and events resulting in the waiver. Where the suspect makes a spontaneous or voluntary statement before the rights are read, such statements can be admitted provided the statements were not prompted by interrogations. This position clearly shows that Miranda rights are only necessary when law enforcement intends to interrogate a suspect (Burgan, 2006). Miranda rights, policies and procedures, therefore, greatly affect the operations and decision making process within law enforcement. The rights give the suspect protection against self-incrimination as well as providing appropriate guidelines for law enforcement in the manner they interrogate suspects. Miranda policies and procedures assist in determining whether suspects’ statements can be admitted or suppressed in a court of

Overview Of Electronic Funds Transfer Marketing Essay

Overview Of Electronic Funds Transfer Marketing Essay ABSTRACT My thesis is based on the E-banking technology in which consumers can acquire more perfect, more rapidly and quick banking services from the programmed banking system. This technology has also been implemented by the global banks as well as by banks in Pakistan to provide well-organized and efficient services to their privileged consumers. The objective of this thesis is conceded to unchain the importance that Pakistani banks are associated with this form of e-banking technology that is being executed by the banks for providing the electronic services to the consumers and in what degree this technology is significant to customers. This research work will also aid to conclude whether the e-banking services are more perfect, more rapidly and quick banking services. CHAPTER 1 INTRODUCTION AND BACKGROUND 1.1 INTRODUCTION When Internet has entered into our daily life, the most dimensions of our lives such as education, communication, business, etc, were overshadowed by this novel phenomenon. One of these dimensions is to handle banking affairs through the Internet (Shirali Shahreza, 2007). According to (Richard Nyangosi Arora, Sumanjeet Singh, 2009) banking through electronic channels has gained much popularity in recent years. This system, popularly known as e-banking, provides faster delivery of banking services to a wide range of customers. Information technology is becoming an important factor in the future development of financial services industry, and especially in banking industry (Nami. M. R, 2009). In current business environments, customers using the services products of the banks want better choice. (Avkiran, 1999) stressed the importance of the human touch in the customer services. The capability of banking staff can be expected to directly affect the customers satisfaction. However, e-banking technologies can help in better understanding customers needs and customizing the services/ products according to their needs. In the new era there is a need of bank customers to get improved electronic banking services and also better relations with the bankers. It is also the need of time to provide efficient services/products to the customers. In Pakistan however, such kind of electronic banking has started recently. Online banking system present to their consumers a set of information-related benefits that favors to adopt e-banking, including the facility for the customers to control their bank accounts at any time and any place, and to access information content for making investment and financing decisions (Howcroft B, 2002). Due to the competition among the banks in Pakistan, the banks want to provide the services, which are more efficient, rapid and enhanced the banking system. Therefore, the objective of e-banking is to create such working environment where customers can easily find about the information they require for performing financial transactions. 1.1.1 Definition of E-Banking Electronic banking, known as Electronic Funds Transfer (EFT), it is basically the use of electronic methods or means to transfer money electronically directly from one account to another account, rather than cash or cheque. We can use electronic funds transfer for: 1. We can withdraw money by an ATM machine with a personal identification number (PIN), for our convenience at day or night. We can guide our bank or credit union to pay automatically monthly utility bills from our account, or our auto loan even our mortgage payment. 2. We can buy food, fuel for our personal transport, and other goods at the purchasing point, using a credit card rather than cash. 3. We can use a prepaid smart card embedded for our daily purchasing like pay phone, toll expenses, daily college expense or any bookstores. 1.2 BACKGROUND The increasingly change in worldwide competitiveness in commercial behaviors has improved the volume of bank in the world. It has produced additional banking knowledge and also improved customer demand of services given by banks. This revolution has set a motion in the banking sector for the provision of a payment system that is compatible with the demands of the electronic market (Balachandher, 2001). On the behalf of increased competition, many banks and organization did not only reduce their costs but they have also increased their products. Technology has changed the preconditions for service delivery, dramatically in recent years (Fredriksson, 2003). The banks are the financial institutions to provide consumers savings services, money transmission services and credit services (Sinkey, 1990). In other terms, banks are concerned with safe transaction and collection of management functions. In this regard the main object of the banks is to making profits and giving best services to their customers. Customers are eager to a banks behavior because the customers are the most significant cause of a banks deposit and revenue creation. These customers may either be a single person or group of a person or organization. According to (Chaudhury Kuilboer, 2002) the potential of providing innovative services over the Web is limited only by ones imagination. Online services, especially banking services, are becoming more attractive and alternative to visiting service outlets or phone call centers for increasing their customers. Therefore it become easy for the customers to prefer online services (Szymanski Hise, 2000), feel more in control of the service process (Bateson, 2000) to avoid from human contact with time saving (Meuter M.L. 2000). In Pakistan however, banking organizations have been focused on censure for not given to their customers with original and suitable banking services. Therefore, the outcome that some customers, find it suitable to keep their money or reserves at home than the banks. Studies will carry out by two famous banks working in Pakistan, which have researched and applied computerized technology for the delivery of banking services. Although, banking administration has delayed to execute computer technology in banking exercises. A number of studies have concluded that IT has positive effects on bank services delivery to customers, bank productivity, cashiers work, banking transaction and banking investment. So, these have positive effects on the growth of banking system (Balachandher, 2001). In addition, delivery the high quality services is a way for the banking to improve their relationships with their customers. By the Delivering high quality services, banks can achieve customer satisfaction and through customer satisfaction banks can gain loyal customers (Grà ¶nroos, 2000). Because of the highly undifferentiated services and products, financial organizations specifically banks become main tool for competing in this marketplace (Kim J.K, Han, Choi Kim S.H. 1998). Much research has been done about the quality of services and customer requirements in the traditional banking environment, where personal interaction between the customers and the bank employees takes place (Oppewal Vriens, 2000). Therefore, this is very important for the online banking services providers to become more capable about the customers perceptions of the online banking services quality. On the other hand the customers also have more expectations and demand when they are using e-banking services either the services are satisfactory or not. Because it is quite easier for customers to evaluate and compare the benefits of competing services (Santos, 2003). 1.3 PROBLEMS DISCUSSION The study about e-banking adaptation has gained special attention during the last decade as for instance; banking journals have devoted special issues on the topic (Waite Harrison, 2002). There were a lot of grievances over the delays in traditional banking services, withdrawals and delay in processing. Time is money but the customers have to wait for a long time of their turn in the bank for any banking facility. Some time even from a remote area a customer has to travel to the concerned branch for any kind of transaction. On the closing hours it becomes more harmful if anyone want make a business deal for payment. Having the computerized operations and automated teller machine; it has made it easy that the banks would activate their e-units to support the online banking services. In Pakistan, manual-banking system was performing below standard services to the customers and it may be affected on the customers support. Transactions of the money from one manual bank to the other can take five to ten days. Some time, when the purpose of transferring the money has almost dead. Sometimes businessmen have to cancel their business deals due to the unavailability of the cash transferring facility in time in traditional banking system where services are as slow as non-secure, non-satisfactory. In order to satisfy customers needs, many banks build their set up through web sites and Internet that provide the services and information to customers and the better service can help to get higher profitability. With the studies of IT in substantial, that would put a positive effect on bank productivity, cashiers work, banking transaction, bank support, and delivery of bank service. These have positive effects on the growth of banking (Yasuharu, 2003). Now Pakistan Telecommunication Company Limited is providing broadband, which has enabled the customers to adopt the e-services instead of manual banking because these are much efficient and accurate. In Pakistan there is low literacy rate of workingwoman that are in service. But now young educated generation especially woman are trying to get jobs and taking part in nation building and economy and they have to use the banking services. Therefore the e-banking services will help and satisfy them regarding their expectations for efficient, accurate services. Recently, many local banks in Pakistan have used the online services as a new market channel to offer their customers a variety of services 24 hours a day. This e-banking, compared to traditional banking, heavily involves non-human interactions between customers and online bank information systems (Furst, Lang Nolle, 2002). When the customer evaluate of the e-banking service they received from Banks, then their satisfaction depends on website features/user interface design (Doll Torkzadeh, 1988) and that can be important to analyze the designed features of banking services delivered to the customers. 1.4 STUDY PURPOSE The purpose of this study is to establish the important that how the customers fond the concept and carry out e-banking services and to determine whether the utilization from the e-banking services, make more efficient, accurate and in time of banking services and also to make a variety and excellence between automated and a manual or ordinary Banking systems. To comprehend electronic Banking system in the context of Pakistan by the way of an analysis on the factors that manipulates customers favorable reception of electronic banking services. Particularly to consider the services and products associated with ordinary banking and e-banking with their fast, rapid, efficient, enhanced are more useful methods and to provide the customers to recognize the online banking services. It is to identify the significant aspects that shape the customers view about electronic service and features and the outcome of these services on customers satisfaction in Pakistani banking sector. The current study offers and considers a model to explain how ease, rapid, efficient operation, security, enhanced reliability and reaction positively and meaningfully affect customers awareness of e- services and how these manipulates the customers satisfaction. The leading issues pay attention in the study of e-banking customers to recognize the necessary dimensions of e-service provided by the banks. The study of the literature exposes the convenience, efficient operation, security and privacy, reliability with rapidness, and responsiveness with enhanced methods of e-banking service factors. These dimensions share many general facets of those quality determinants originated within the context of traditional service industries by earlier research (Parasuraman D. Grewal, 2000). Alternatively, these dimensions have their distinct attributes inherent in automated service quality environment (Al-Hiwari ward, 2006). The convenience dimension refers to ease of use and accessibility of the service at all times. The customers prefer flexibility to meet their financial needs at all times, which affect their perception of the e service quality (Gerrard Cunningham, 2003). Lio Cheung, 2002 found that accessibility positively determines perception of quality of service. (Lockettt Litter, 1997) and (Moutinho Goode, 1995) established that time utility is a major contributor of customers perception of e service quality. A lot of studies mentioned that the location e-service delivery is a strong driver of customers perception of e service quality (Aldlaigan Buttle, 2002; Almossawi, 2001; Levesque McDougall, 1996). The second dimension of e-service quality, efficient operation, relates to efficient and speedy operation of these services. Efficient in operations enhances the resources for the customers. Customers accord priority to user-friendliness of ATM. (White Nteli 2004) found that efficient and faster delivery has positive effect on customers perception for quality. Dilijonas, D.; Kriksciun ien, D.; Sakalauskas, V Simutis, R. 2009 argues that minimum breakdown of machines constitutes the essential aspect of e-service feature. (Al-Hawari ward, 2006) talks about the efficient ATM functions positively affect the customers perception of service quality. The element of consistency and dependability describes accurate and assured service at all times. Online users want to obtain the right quantity and right feature of service at all times, as promised by the banks. The literature provides strong support that rapidness, efficient and enhanced are essential determinants of customers perceived service quality and positively relates to customersà ¢Ã¢â€š ¬Ã… ¸ use of online services (Fassnacht Koese, 2006; Polatoglu Ekin, 2001). The responsiveness aspect of e-service quality relates to the ability of the bank staff to provide the agreed services timely, accurately, dependably, and promptly. Customers prefer to resolve their complaints expeditiously (Karjaluoto, Mattila Pento, 2002). Prior studies indicate that responsiveness is crucial to sustain service quality and facilitates to build long-term relationship between service provider and the customers (Bauer, Falk Hammer Schmidt, 2006; Long McMillan, 2004). The research results will reflect a positive and strong relationship between online service quality and customers satisfaction. 1.5 BENEFITS OF E-BANKING The e-banking services open seven days a week and 24 hours a day. To decrease the cost-line and no need of physical bank branches To create more deep collection  for consumers needs and expectations. Terms of services to customers for their personal choices. Easy access for all. With the e-banking money can easily be get within no time from ATM machine. In current time E-banking has open out rapidly all over the world. Almost all Banks are making much use of E-banking amenities to offer good services. The extension of E-banking has also significantly advantaged the normal customer in all purposes. 1.5.1 Benefits from the customers point of view Common customers have been much affected in an optimistic manner by E-banking. A lot of ordinary tasks have been fully computerized resulting in much ease and reliable. The main benefit from the customers point of view is major time saving by the computerized of banking services as well as online processing and an easy maintenance tools for managing customers money. Some other key benefits of e-banking for customers are as follows (BankAway, 2001; Gurău, 2002). Decreased costs in operating and using the banking e-services. Increased relief and timesaving operation can be made 24 hours a day, without consulting with the bank. Rapid and enhanced access to information. Organizations or customers will have much easy access to get information as, they can check on several accounts on click of a button. Improved cash management. E-banking services speed up cash cycle and enhance the efficiency of business operations, as large types of cash management methods are available by e banking. Decrease costs in terms using the different e-banking products and services Rapidness the reply of services is very fast therefore the customers can actually wait till the last minute before final fund transfer transaction. Customers can take their history of different funds management Consumers account is particularly accessible with in online account. Consumers can withdraw money at any time through ATMs that are now generally available all over the country. With withdrawing money, customers can also take mini banks statements, account balance on ATMs. Through online banking consumers can control their account while sitting in his office or in home. No need to go in the bank personally for such matters. E-banking has also provided the facility in payment of utility bills. There is no need to stand in long queues for these matters. All these services are generally available at bank website. The development of credit card and its usage also owes significantly to E-banking. Now a customer can purchase anything worldwide without moving paper money with him. Banking services are available 24 hours a day; seven days a week or they are only a mouse click away. 1.5.2 Benefits from the bank point of view Banking industry has also various benefits due to the development of E-Banking procedure. Some are mentioned as below. The core benefits for the banking point of view is that e-banking services are better response to the market. The main purpose of every financial organization is to boost up the profits for its vendors. Online banking services offer ideal chances for increasing the profits. Some clarifications for this pricing plan can be proposed Banks receive extra profits on transactions completed via electronic channels.The abundance of payments is not a main concern for banks. Cross subsidization in special services groups is used, for instance, profits from loan activity balance poor abundance from payment services. The development of E-banking has much helped the banks in minimizing their overheads charges and service cost. Many services and dull tasks have now been fully computerized and in better Efficiency and good time usage. The growth of E-banking has made banks more economical. It has also led to growth of banking industry, commencing of new opportunities for banking processes. E-banking has reduced the paper work in banking industry, thus give them to work with paper less environment. E-banking has also provided facility to bank in proper records and documentation of the transactions. The e-banking capabilities of computer networks, like as the Internet, are much better than any branch network. 1.6 ADVANTAGES AND DISADVANTAGES OF E-BANKING With the fame of the Internet growing progressively, many industries are discovering new and attractive method to make it appealing medium to keep up with the continually altering preferences of clients. Nowadays, we can do almost everything over the Internet like shopping for home goods, business deals, contact with friends and so on. The Internet has apparently nonstop possibilities for the banking industry. Most of us have known about online banking services, and more than a majority has perhaps not even tried it yet. Some of us are feeling more relax and easy to work with real people, paper work and money instead of its virtual complement. At last there are a many advantages and disadvantages of online banking services. In this study there will be outline of good side as well as the bad side of online banking services. That you can feel online banking is safer way to manage your transactions and you can be overcome your fears. 1.6.1 Advantages Online banking is very suitable and convenient. It allows people to pay their bills and make transactions anytime during any time of the day and in the week. E-banking system never closes any time because people can access it through internet. There will be no matter in which country you are or anywhere in the world. Customers can make online transaction and handle your finances with conveniently. Secondly, e-banking services are very rapid, effective, enhanced and efficient. E-banking system also gives the option of transaction making in the different bank accounts from a website. Mostly e-banking websites are compatible with programs like Microsoft infrastructure, which makes organizations assets more valuable. 1.6.2 Disadvantages There are also some disadvantages in e-banking services. The main problem is that most people do not trust the transaction performed on online and almost wonder whether they did the right thing? Of course, people more relax and feel easy to find printing the transaction receipts of their transactions. The receipt will confirm them whether or not their transaction has gone successfully. For beginner e-banking can be difficult to learn and some time website could take time to start up. Some websites ask for identification, which can be very inconvenient for the new comers in e-banking. People like talking in person-to-person in case of any difficulty or problem. They like the personal touch like customer service and these kinds of people do not feel comfortable with e-banking. 1.7 ELECTRONIC BANKING IN PAKISTAN Electronic banking is the most recent in the line of technological aspects of the recent past in Pakistan. ATMs, mobile Banking, Credit Cards and Debit Cards, Internet Banking, Cyber Cash have come forward as useful delivery channels for usual banking services and products. In Pakistan, MCB RBS took as a pioneer to introduce ATMs and credit cards in the mid 1990s. The Annual Report of SBP (2003: p. 110) mentioned this delayed access of electronic banking by regulatory hurdles; much costs for startup, reforms on-going banking sector and lack of technological knowledge. The e-banking promoted with the circulation of the Electronic Transaction Ordinance 2002 by the Government of Pakistan. This attraction facilitates legal respect of digital signatures the risks associated, reducing documentation with the exercise of electronic technology in business. In current situation, almost all Pakistani commercial banks have their own setup and networks, they issuing debit and credit cards and have joined collectively in operating ATM Switch Networks with each others. As according to (Kolachi, 2006) Pakistani banks offers the following online banking services and products to their customers. Inquiry:  Account balance inquiry, Account statement inquiry, fixed deposit inquiry, Check statement inquiry Payment:  Credit and Debit cards payments, Transfer of funds, Utility bills payments and direct payments. Request:  Demand draft requests, Stop payment requests, Cheque/Check book requests, New fixed deposit requests Download:  Statement download, download Customer profile, other information and guidelines. The Annual Report (2009, p. 111) of SBP explains that domestic banks are the foremost provider of ATM facilities while foreign banks, like ABN AMRO Bank, Standard Chartered, and Citibank control the credit card business in Pakistan and over 95% of the total amount of transactions. 1.8 RESEARCH QUESTION The research question is in the sense that, the endurance of any e-banking system based on the large extent that depends on the banks ability to maintain and attract customers by offering modern and technologically enhanced banking services and products. Investigate between customer perception of e-services and the services environment in Pakistan. In order to understand and to be accomplishing the purpose, the research question of the study defined as follows: To what extent E-banking System is more efficient, rapid and offers enhanced opportunities compared with ordinary banking system in Pakistan?

Essay --

Anxiety disorders are the 2nd most diagnosed mental illness in the United States. Anxiety comes from the â€Å"fight or flight† physiological response in ones body. The fear a person experiences is an intense emotional alarm accompanied by a surge of energy in the autonomic nervous system. The surge is what motivates us to flee from danger, cueing the â€Å"flight† response. However, some anxiety is good for us in moderate amounts. Most people perform better when we are a little anxious (Yerkes & Dodson, 1908). Anxiety can improve test performance or make you more energetic and charming on a date. It improves, social, physical, and intellectual performance. In fact little would get done if we didn’t have any anxiety. However anxiety can be negative as well. The most common symptoms are looking worried and anxious or fidgeting. That is pretty normal for most people. These symptoms are a physiological response that starts in the brain. It elevates the heart rate and creates muscle tension. Most of the research has been done with animals. Animals seem to experience anxiety in a similar way to ...

Mars Attacks! Review Essay

Review of Mars Attacks! Mars Attacks! is Tim Burton’s clever thought at a martian invasion on the United States of America. After their landing, they easily took advantage of the governments trust, understanding, and compassion. Human beings, especially Americans, show just how ignorant and unpredictable they can be. However, their stupidity paves the way to their survival with a little bit of a population remaining. Source Materials: The constant struggle between war and politics makes this movie a classic bumbling mess of emgo fighting over what they consider to be right. The 1950’s science fiction focuses on how these peoples egos were created in a time of growing personalities. Genre: Parody Science Fiction portrays humility at the expense of American’s under the superior mind of the martians. Ultimately giving the upper hand to the human race for a reason that could not even be fathomed by mankind. Star Personas: The film is shown through the eyes of powerful figures from Nevada to Washington D. C. Everyone has an opinion and the best idea with how to deal with the martian invasion. A poor kid from that gets no attention within his society turns out to be the hero of the film. Technology/CGI: Used strongly throughout the entire movie, because anything that had to do with the martians was created by CGI. It was used to give a feel of abstract science fiction and not just a battle for superior intelligence. Plot: Told from a variety of different viewpoints and the advantages and drawbacks that went along with them. Everything comes together in the end to make it a bittersweet happy ending for all of those still left alive.

Inspirational High School Graduation Quotations

Inspirational High School Graduation Quotations Most of us would agree that the days we spent in high school were certainly the best days of our lives. It was in school that we made our first friends, competed to excel, hoped for places in the sports teams, and learned our first lessons about life. Memories come flooding back when you read each high school graduation quote on this page. If you want to wish your friends on their graduation day, you can make a special greeting with one of these high school graduation quotes. Graduation Quotations AnonymousYour schooling may be over, but remember that your education still continues.Isabel WaxmanIt is indeed ironic that we spend our school days yearning to graduate and our remaining days waxing nostalgic about our school days.Ralph Waldo EmersonThe things taught in schools and colleges are not an education, but the means of education.Martha ReevesThe morning after my high-school graduation found me up early job hunting. The dream of college I put on the back burner.Henry FordYou cant learn in school what the world is going to do next year.Author UnknownEmotions, drama, broken hearts, and liesAnd they say these were the best days of our lives?Richard BachDont be dismayed at goodbyes. A farewell is necessary before you can meet again. And meeting again, after moments or lifetime, is certain for those who are friends.Johann Wolfgang von GoetheDream no small dreams for they have no power to move the hearts of men.Andy McIntyreIf you think education is expensive, try ignorance!

12 Career Options for Political Science Majors

12 Career Options for Political Science Majors Political science majors are popular for a reason: theyre interesting, theyre current, and they open a lot of career opportunities for graduates. Fortunately, political science majors can apply their academic and, often, their political training in a wide range of jobs. 12 Careers for Political Science Majors 1. Work on a political campaign. You majored in political science for a reason. Put your academic interests to the test by working on a political campaign for a candidate youd love to see- and help- make a difference. 2. Work for the federal government. The federal government works in a variety of fields with people of all backgrounds. This offers many opportunities to develop subject matter expertise. Find one branch that interests you the most and see if theyre hiring. 3. Work for the state government. Federal government too big? Give back to your home state, or a new one, by working for the state government. Also, because of federalism, there are certain areas in which states have more control, so some areas of expertise may be a better fit at the state level. 4. Work for the local government. You may want to start off a little smaller and closer to home in your political career. Consider working for the local government, its a great place to get your foot in the door. City and county governments are a good place to start. 5. Work in advocacy for a nonprofit. Nonprofits are often busy working toward their missions- helping kids, fixing the environment, etc.- but they need a lot of help behind the scenes. That includes getting political support for their cause and thats where your degree can help. 6. Work at a politically based website. If you like to write, engage in online discussion, and help create a virtual community, consider working for a politically based website. You could also write for the political section of a website that is broader than politics. 7. Work in government relations in the for-profit sector. Working for a private (or even public) companys government relations department will allow you to blend your interests in politics with the dynamics of working for a specific company. 8. Work in government relations in the nonprofit sector. Interested in government relations but also in helping promote a cause? Many nonprofits, especially larger, national ones, need staff to help with government relations and advocacy. 9. Work for a school. You may not think of working at a school as political in nature, but many institutions- including colleges and universities, as well as K-12 schools- need help with your special skill set. This includes coordinating government relations, advocating for funding, managing regulations, and a whole host of other, interesting responsibilities. 10. Work at a magazine. Many magazines admittedly (or very clearly) have a political tilt. Find one you like and see if theyre hiring. 11. Work for a political party. Consider, for example, checking into whether the Republican or Democratic Party is hiring for its local, state, or national offices. You might surprise yourself with what you end up getting to do! 12. Teach.  Teaching is a great opportunity for the politically minded. You can help inspire a passion for political science and government in your students while also having summers off for your own political work.

Effects of Addition of Nitrogen on Ph and Availability of Soil Assignment

Effects of Addition of Nitrogen on Ph and Availability of Soil Nutrients - Assignment Example If biomass is divided into root components and the ones above the ground, we find the significant effect to be root biomass of the last generation composed of high N. These effects account for less than 0.1% of variance of root and dry biomass. As 50% of biomass above the ground and root materials are returned as litter to the system, the high N’s soil deposition get greater inputs of nitrogen and organic C. Therefore, a large quantity of N and C accumulate in the soil at the top of the deposition of high N microcosms, compared to deposition of low N microcosms. However, there are no effects in the composition of high N. If soil C is increased in the deposition of high N, it reflects significantly larger NEP. Varied measures reflects decomposer activity: invertase, b-xylosidase and collembolan density activity are significantly larger in deposition of high N microcosms: furthermore, there is no effect in the composition of high nitrogen on the measures. Rates of nitrogen miner alization do not differ in the combinations across, composition and though N leaching rates are a times greater in the deposition of high N. This effect is inconsistent and leaching rates are low. Storage of carbons in the POM fraction is greater under deposition of high nitrogen and is not affected by composition of high N. ... l percentage P value P value P value P value P value Above ground biomass(g/m sq) + 82.5

Effective Leadership Essay Example | Topics and Well Written Essays - 1750 words

Effective Leadership - Essay Example 74-78, 2001). This paper is attempt to look at different types of leadership and the recent developments in the field of leadership by briefly looking at the literature available on Fred Fielder’s Situational Leadership Model, Level 5 Leadership, 360-degree leadership and Charismatic leadership. Discussion Fred Fielder’s Situational Leadership Model Fred Fielder is considered as one of the most notable gurus of leadership. During the mid of the 20th century, when most of the leadership experts were occupied by the discussion that whether leaders are born with certain characteristics which distinguish them from others or whether people can acquire these skills to become leaders. Fielder took the liberty of providing an entirely different perspective to the management and organizational behavior experts by giving his situational leadership theory (Kellerman, pp. 234-238, 2010). He divided the leadership styles into two groups namely relationship motivated and task motivat ed. Relationship motivated leaders are the ones who would place their emotional bonds with their people over the tasks and jobs. These leaders are more concerned about their image, respect, and perception amongst their followers. However, task motivated leaders are the ones who are more interested in numbers, targets, figures and objectives, and in the pursuit of the same, they are ready to sacrifice their image and bonding with their employees (Robbins & Judge, pp. 223-228, 2010). Furthermore, fielder proposed three elements, which have the ability to determine the situational control of the person. These are leader member relations, task structure and position power. Leader member relations refer to the degree to which the leader enjoys the backing, support, and loyalty of his sub ordinates. Second, task structure is high when the job descriptions are clear, structured, and well defined. Third, position power refers to the degree to which the leader enjoys the formal power to hire , recruit, select, reward, punish, or obtain compliance from the employees (Fulmer & Goldsmith, pp. 74-78, 2001). Furthermore, Fielder suggests that when the above-mentioned factors are high, the situational control is high and vice versa. A task-motivated style remains the most favourable option when the situational control is either extremely high or extremely low. Nevertheless, when the situational control is moderate, the leader should opt for a relationship motivated leadership style (Kellerman, pp. 41-49, 1999). 360 Degree Leadership Maxwell (2006) gave one of the most modern and influential concepts in leadership known as the â€Å"360 degree leadership† (pp. 15). Maxwell focuses on the most basic and simplest definitions of leadership, which says, â€Å"Leadership is nothing but the art of influencing people towards the achievement of shared goals† (Maxwell, pp. 84-86, 2008). Quite understandably, one cannot only influence the people who are underneath the indi vidual in the organizational hierarchy but also who lie at the same line or even who are over him in the organizational hierarchy. This means that one cannot only lead his subordinates but also his peers, colleagues, friends, bosses, bosses’ peers, and others. Many leaders fail to view the concept of leadership in a board way of leading down, leading across and leading up but they fall into the trap of leading down