Disscuse Essay Example | Topics and Well Written Essays - 250 words

Disscuse - Essay Example The first advantage of pushing for negative interest rates is an increased share of investments into country’s economy. The central bank levies taxes for depositing money and it becomes unprofitable for commerce banks and companies. As a result, they invest funds into economy itself, evoking its growth and development. So, instead of lying on deposits, the money will be in turnover. Secondly, negative interest rates will motivate commercial banks to lend more. As a consequence, households will have higher liquidity. The next chain link is a higher demand on various commodities, as the more people can afford, the more they will buy. In the end this all leads to development of industry and higher production standards. However, there is no certain evidence that introducing negative interest rates will help countries to avoid extreme inflation, deflation or economic crisis. It is relatively new and almost untested method. It was once tried in Denmark and that experiment had some positive results. Now the European Central Bank is thinking to follow this example. All in all, I suppose that negative interest rate is quite an effective way of settling and stabilizing the economy and stimulating its further growth. Speaking about its reliability, I think there is a chance that this strategy may fail. Nevertheless, if used in cooperation with other methods, it may become a real breakthrough in world’s

Behavioral Issues in Special Education (self-injurous behavior) Essay

Behavioral Issues in Special Education (self-injurous behavior) - Essay Example Many of these children that are given special education are very disturbed and prone to inflicting harm against themselves. According to Fox, C & Hawton, K, self-injury does not really mean that the person wants to commit suicide but rather, a person who cuts or inflicts intentional harm upon himself or herself is hoping to relieve some of tension or emotional pain1 or just simply to manifest his or her frustrations over something. In the case of children with disabilities, their inability to communicate to others can be very frustrating. In most cases, these children express their frustrations by inflicting self-harm and to get the attention that they need. The failure on the part of the adult present to recognize the silent please of the child with disability can make the situation even worst. The child may continue to inflict upon herself or herself until such time when he or she gets what he or she needs. Schoeder, Mulich and Rojahn classified the Self-injurious behaviour (SIB) into two namely, the social and the non-social act. The social SIB often takes place in the social setting and was directly self-injurious such as head banging, self-biting, self-scratching, gouging, pinching and hair pulling [Weiss, 129-143]. Social SIB can happen frequently and may be associated with other forms of behaviour problems. On the other hand, the Non-Social SIB happens less frequently but may tend to inflict more harm u pon the child. Non-social SIB can be manifested through stuffing orifices, mouthing, sucking, rumination, ingestion of faeces, excessive fluid intake and ingestion of air [Weiss, 129-143]. In extreme instances, the injuries inflicted by the child upon himself or herself are so serious that it requires hospitalisation for a few days. Self-injurious behaviour (SIB) in children with learning disabilities and autism is one

Hotel Rwanda Essay Example for Free

Hotel Rwanda Essay Hotel Rwanda takes place in the years to1994, during the horrific genocide by the Hutus to hundreds of thousands of Tutsis. In Rwanda, you were a Tutsi or a Hutu and intense violence and hatred toward the Tutsi was encouraged and supported through the radio. Fighting, killing and opposition had been going on for several years, and when a new president signs a peace treaty to put the insane turbulence to an end, he is murdered. Paul Rusesabagina is a hotel manager at the nicest and most colorful hotel in their city of Rwanda. When news of the president reaches, European guests and staff leave the hotel to not be involved with the weeks that will worsen for the injustice to the Tutsis. Paul is assigned to be held in charge of this hotel and is threatened with the death of not only his wife and small children, but his neighbors and his friends. Paul continues to give everything he has to save their lives, while harassment of the Tutsi’s is increasing rapidly. Continuing, as the days of the killing and hatred grow stronger, Paul sees the horrific situations of orphans and families who have no place else to go and need the survival and safety of Paul’s hotel. As Paul let’s these people into his hotel, he finds himself with almost no one to turn to and is left with duty to save the innocent. One scene revives him to conquer this duty, as he views hundreds of dead bodies who had been murdered. A UN colonel does have his back and attempts to save lives living at the hotel by assigning visas to many of the â€Å"guests†. Yet the attempts of smuggling the people twice will not last because of the hatred of the radio to the Tutsis that is determined to make the massacre more successful. During this time, Paul realizes and assembles courage to dedicate the protection of not only the lives he knows but the innocent people outside the walls as well, and his hotel turns into a refugee camp. According to the movie, Paul saves 1,268 refugees and a million corpses were left behind. Rusesabagina and his wife Tatiana find their lost nieces and are safe by reaching the border and are filled with freedom and relief. The character of Paul is played by Don Cheadle and he played his character with such intensity I felt as if I were living in the movie and as if I were standing there watching everything taking place. Before watching this film, I never knew such horror and a terrible genocide had taken place. You surly don’t think about the horror of the present or the past as often as you should, and this film made me think, worry, and fear of all I never knew and don’t know. In the years leading up to 1994, other countries stood by and did nothing and by the will of God, one person, stood up and took on images that scarred him for life, even with the terror of planning a better death for his wife and children. This movie is definitely one of the most inspiring movies I’ve ever viewed, and my emotions had changed constantly, I was captured.

Studying The Numerous Functions Of Maybank2u Information Technology Essay

Studying The Numerous Functions Of Maybank2u Information Technology Essay Fund transfer simply means send some amount of money from an account to another account via Internet. By having this function, Maybank2u(M2U) allows its registered users to transfer fund online without having queuing at bank counter to carry out transaction. For example, parents can transfer fund to their children who study overseas by using this service. Besides, corporate user can use this function to pay their supplier and so they do not need to use cheque to make payment which is more risky compared to fund transfer because the user or supplier may lost the cheque. On Maybank2u.com, users can transfer funds between own Maybank accounts, e.g. from savings account to current account, to other Maybank accounts, to other local banks or financial institutions and transfer funds overseas. Transfer between own Maybank accounts M2U users can transfer funds between own Maybank accounts. To transfer funds between own Maybank accounts: Users must be a registered M2U user. First, login on Maybank2u.com. They can then choose banking area of Accounts and Banking to transfer funds. An overview of saving and current accounts balance will be shown on screen afterward. By clicking Transfers at the option panel at left hand side, it will bring users to main transfer page and users can choose own account transfer. Then, users can enter transfer details such as amount to be transferred, transfer funds from which account to which account and select an effective date for the transfer to take place. After this is done, users can review transfer details to confirm the transaction. If users have changed their mind, they can correct it by moving back to the previous page. If users confirm the transaction, they can click the Confirm tab and a confirmation screen will be shown to show whether the transfer is successful or fail. Users will be given a unique reference number for the transfer as record. They can then print receipt of the transfer or make another transfer. This transfer takes less than 3 minutes to be done. It is fast and convenient. There is no limit for users to transfer fund between own accounts as long as there is balance in their account. Transfer.jpg Figure 1.1: Own account transfer Transfer to third partys Maybank account To transfer funds from own account to third partys Maybank account, M2U users can choose to transfer funds immediately or at a selected future date, just like how transferring between own accounts does. If users have selected any future transfers, all the outstanding future transfers will be recorded in a table and users are allowed to check on pending funds transfer and cancel them anytime. However, there is a limit for daily transfer which is of maximum RM5000 per day. This service is free of charge. Steps to carry this transfer are almost the same with that of transfer between own Maybank accounts. The differences between these two are users have to select 3rd party account transfer instead of own account transfer. There are also some functions available in this transfer. The first function is 3rd Party Account Maintenance. This function allows users to save account details of someone whom users transfer funds frequently, so that users do not need to key in account number every time when they want to transfer funds. Users are allowed to save up to 20 favourite accounts and update or delete the account details. Another function provided for this transfer is Transaction Limit Maintenance. The maximum limit of amount that users can transfer per day is RM5000. Users may set their own daily transaction limit from 1 cent to maximum of RM5000. Besides, for immediate transfer, users are allowed to send e-mail to recipients in order to inform them that they have transferred money to their accounts. Transfer1.jpg Figure 1.2: Transfer to 3rd partys Maybank account Transfer to accounts of other local banks or financial institutions M2U users can also transfer funds to savings or current accounts of other local banks or financial institutionssuch as Alliance Bank, CIMB Bank, HSBC, Citibank, etc. This transfer is named GIRO Interbank Transfer. There are a few types of payment can be made through GIRO which is funds transfers to savings or current accounts, credit card payment, loan payment and hire purchase payment. During weekdays, recipients will receive fund transferred at the same day if users transfer fund before 12pm and the money will be credited to recipients account before 12 midnight. For funds transferred after 12pm, recipients will receive the amount in the next working day. For funds transferred during weekends and public holidays, recipients will receive the money in the next working day. Steps to carry out this transfer are almost the same with the steps above but senders have to select New Interbank GIRO Transfer and they also needed to select which bank to transfer to before they enter transfer details. Senders will also be questioned about whether they want validation of recipients ID at their bank. m2.jpg Figure 1.3: Transfer to other banks account There is also a daily transfer limit for this transfer which is RM5000 and there is also RM2 charge for service fee. Like the transfer funds to third party, users can also set their favourite IBG Transfers to their favourite list and there is a maximum of 20 favourites. Transfer funds overseas If M2U users want to transfer funds (cash or credit money) overseas online, users can do this by using Foreign Telegraphic Transfer. Users can transfer money to 3rd party account by Credit to Account to 50 countries in 24 currencies conveniently while for cash, users can only send it to 6 countries. Maybank2u has set a daily transfer limit for this fund transfer. To transfer cash, users must transfer at least RM250 or maximum up to RM1000. For credit to account, users must transfer at least RM250 and maximum up to RM10000. This transaction is processed by SWIFT and TAC (security code) authentication, so it is fast and safe. Besides, Maybank2u is able to calculate the value of the funds that you want to transfer by converting currency instantly. The amount will then be debited directly from users Maybank saving or current account to 3rd party account. Maybank will charge a transaction fee of RM10 to sender for each transaction carried out. Recipient will also be charged by their bank and the amount is different in every country. The time taken for recipient to receive money depends on recipients bank. Besides all these transfers functions, on the Transfers page, users are also allowed to check transfer history, future transfers and foreign telegraphic transfer history and manage their favourite transfers. CREDIT CARDS There are total 23 types of credit card available in Maybank. Details about various types of credit cards are available on Maybank2u.com. People who are Malaysian and aged 21st to 65th years old with specified range of amount of income can apply for Maybank credit card. For supplementary cardholders, they must be of at least 21st years old. For those who wish to apply Maybank credit cards, they are provided with a function which can help them to get a card that is best suit themselves. First, they will be questioned about their income and also what type of card are they looking for. After make selection, all results will be shown and users are allowed to make comparison between cards. credit card2.jpg Figure 1.5: Choose income range and types of card After users have made decision on which card to choose, they can download application form from Maybank2u.com, print it and fill in details. For applicants who wish to have a supplementary cardholder, they can download supplementary form online too. After all these are done, they can hand up the application form attach with all required documents to one of the branches to apply for credit card. dl application form.jpg Figure 1.6: Download credit card application form IMPROVEMENT There are total 8 methods available in Maybank to transfer fund which are Maybank Money Express, Foreign Telegraphic Transfer, 3rd party own account transfer, GIRO Interbank Transfer, China Remittance Service, MEPS Interbank Funds Transfer, Foreign Worker Telegraphic Transfer and MoneyGram Money Transfer. However, there are only three methods available on Maybank2u.com. In order to increase customers option in transferring funds, Maybank should include a few more methods on Maybank2u.com. In other words, it should make any of the five methods available to use online. For example, Maybank Money Express is one of the methods that allows overseas recipients to receive money instantly. By providing reference number given by the sender, recipients can receive the money immediately without having to wait. If this function is available online, users (sender) do not have to travel to branch physically to perform this transaction and recipients can still receive money at once. By having this, users can transfer funds in a more efficient manner. This directly increases customers satisfaction and also the banks reputation and it may attract more customers since it provides the most convenient way for customers to transfer funds overseas. Besides, M2U should increase daily transfer limit for transfer fund to 3rd party account. The default daily transfer limit is RM5000. If users want to transfer more than RM5000, they have to wait until next working day or proceed to ATM to conduct the transaction. This causes inconvenience to users who wish to transfer funds in a larger amount without having travel to branch physically. So, M2U should increase its daily transfer limit so that users can transfer more money online. NEW FUNCTIONS In order to response more promptly to customers request, M2U should provide a function which allows customers to have direct conversations with customer service representatives online when they face problem in using functions on M2U. This is also known as chat box. Many online shopping websites adopt this function so that they can react faster to customers question and need. Conventionally, when users face problems, they either give a call to customer service department or send e-mail and wait for their reply. These take time and some customers may feel impatient while waiting for their reply. Businesses should always place their customers as their top priority and they should fulfill customers need as much as possible and as fast as possible. So, if M2U develop this function, it can response more quickly to customers need and this indirectly increase customers satisfaction and they can retain customers loyalty. For users who wish to apply Maybank credit card online, M2U again causes another inconvenience as there is no function that allows customers to apply credit card online. All it has are only detailed information about credit cards and users can download application form if they want to apply credit cards. So, M2U should insert this function and it can further develop another function for applicants to upload supporting documents. By having this, supporting documents such as NRIC, latest BE form with official tax receipt, latest 2 months salary slips, latest 3 months savings account activity/current account statements, etc can be uploaded and submitted online by the applicants together with the application of credit card. This function really bring great convenience for people who are busy and always have no free time to travel to branch physically.

The Experiment :: essays research papers

The Experiment The Experiment was written based off the moral war between whether or no cloning is right. It involves three main people: Jude, Skyler and Tizzie. Jude is a newspaper reporter and has been dating Tizzie for quite awhile. Tizzie is a doctor who studies twins and the different types. Jude was doing a newspaper article and that was how he met Tizzie. He had to get information for the article and was told that Tizzie was the person to talk to when it came to twins. She happened to be a highly recognized doctor in that field. While all of this is going on in New York, Skyler, Jude’s clone, is living on an island with many other clones, even though they don’t know they’re clones. Skyler and his best friend discover that something happening on the island was wrong and dangerous. They plan on an escape, but Skyler’s friend dies in the attempt. Skyler grows up there and falls in love with one of the females on the island who happened to be Tizzie’s clone. Sk yler and Tizzie’s clone decide that they want to find out what has really been going on, on that island for so long. They dig through the offices trying to find just the smallest bit of information that could help them in their search. One day Skyler was out and felt that something was amiss. So that no one would know of Skyler and the girl’s search they conjured up a way to secretly communicate when to meet each other and where. It involved a rock, a tree and where the rock was place by the tree. Well, when Skyler got the chance he went to check on the rock because he hadn’t seen his love in a very long time. Later he finds out that she was killed in â€Å"The Lab† with all of her organs taken. He managed to escape the island and make it to the mainland. After a long while he made his way to New York and found out that he looked exactly like a man he saw in the newspaper†¦ Jude. Meanwhile, Jude has his own struggles with being stalked by large men w ith white streaks in their hair. One night, Skyler finds out where Jude lives and decides to take a visit. Just is very startled when he first meets him, but gradually gets use to the idea that they were either twins or clones.

business math paper -- essays research papers

Annuities Businesses, financial institution, and other organizations invest in annuities to raise money to pay such expenses as bond debts, notes due, or stock dividends. They also invest in annuities to provide for future needs, such as new facilities and equipment or employee retirement benefits. Individuals may purchase annuities, such as an Individual Retirement Account (IRA), or an insurance policy, from insurance companies, financial institutions, or securities brokers.   Ã‚  Ã‚  Ã‚  Ã‚  An ordinary annuity is a series of regular payments where each payment is made at the end of the payment period. The payment period is the length of time between payments. Payments are usually made annually, semiannually, quarterly, or monthly. The term of the annuity is the length of time from the beginning of the first payment period to the end of the last payment period. The amount of the annuity is the sum of all payments plus their accumulated interest. Their amount is also called the cash value.   Ã‚  Ã‚  Ã‚  Ã‚  The amount of an annuity can be found by using the Amount of an Annuity table. The table lists the value of an annuity of $1 compounded at various rates for various time periods. To find the amount of an ordinary annuity using the annuity table, multiply the payment by the appropriate table value. The interest earned can be found by subtracting the sum of the payments from the amount of the annuity. For example: Brian purchased an ordinary an...

Perceived Risk, Market Risk, and Accounting Determined Risk Measures

Businesses exist and are run in a constantly changing environment whether it is external or internal and the change needs to be monitored and assessed in order to provide a timely response. In order to be proactive in today’s competitive business scenario, the proper management of risks associated with business and projects undertaken becomes crucial for survival and success. Risk is therefore a threat to an organization’s ability to accomplish its missions and goals because it involves uncertainty about a future event. Risk management is an attempt to monitor & reduce the uncertainty with the help of strategies and techniques. There are four basic steps universally used in risk management: 1. Risk Identification: There are controllable and uncontrollable events associated with a business or a project. All the possibilities that may affect the outcome of a project should be listed down. This is a crucial step and requires managers to be vigilant, observant and pragmatic because further steps cannot be applied if a risk is not identified properly. 2. Risk Quantification: Risk once identified needs to be assessed both in terms of its probability and the impact it could have on the project or business. The simple way of assessing the risk will be to rate its probability and impact on a scale of let’s say 1-5 and multiply both. Risk assessment = probability x impact Let’s suppose if the probability of an uncertain event is rated 4 and its impact is rated 5 then the risk can be considered critical to the success of a business project. Similarly based on the ratings given and the product of the two values obtained, a risk can be considered critical, high, medium or low. 3. Risk Response: Now that the risk has been assessed, management must immediately act to put a strategy in place in its response. There are three basic strategies managers adopt that is avoidance, mitigation or acceptance. Management may adopt the strategy of avoiding a risk completely if its considered critical to a projects success for example a distribution channel might not work out for a product and so manger might think of adopting an alternative channel for distribution. Another strategy that management can pursue is of mitigation for example manager may make a decision to have two or more distributors for their product. Lastly, if the risk is too low or normal with a project of your stature manager may accept its presence with the project. Strategy formulation is not enough until actions necessary to implement a strategy are not identified and so decision in this regard should also be taken in this step. 4. Risk Response Control: The last step is of monitoring the risks identified and assessed as the project goes on till its completion. If any deviations are found in the process then corrective actions should be taken to redress the issues. An adaptive approach can help in this step because managers may need to bring about some or complete change in the strategy if the possible impact of a risk differs from one previously assessed. If the above-mentioned plan is followed and risk manger carries out proper analysis followed by action then success of a project and the business becomes more likely. The two major types of testing: Developmental Test and Evaluation Operational Test and Evaluation Live Fire Test and Evaluation is a third type used in certain cases Implementation of Testing and evaluation is a promising step to revolutionize strategic goals in business achievements. Implementing test and evaluation management is to develop new assumptions for the positive approach and then re-considering it and implementing it to attain new goals that were never accomplished before (Shan, 1996). This is done to improve quality, production, reduce cost, thorough assessment and improve service. This would produce impressive work output with increased production in short time, to fulfill demands of the market, enhance customer response and to decrease labor force. Implementing test and evaluation is done by increasing number of organizations and institutes to enhance their business performance. Different sectors of business community that are engaging Implementing are telecommunication services, hospitals, healthcare institutes, accounting services, financial institutes, order inventory and registration, automation of manufacturing, and food industries. Logistic support problems are culturally based. They focus on the culture and the environment of an organization. Every business should be customer focus. Entrepreneurs are selling to customers, so it is a basic fact that products should be made according to customer’s need.   Hence, for developing business relations with any country an entrepreneurs must study, research and travel to that area to know more about people, their customs, their likes and dislikes. The more the entrepreneur will be familiar with the culture and the people, it is more likely that their business will blossom in that country. All companies and organizations agree that excellent customer service is the key role in to assess trends in fluctuating market. It may also need to redesign completely the organizational structure that would reach customer, understand and identifying their needs. By using different assessment procedures customer relationship has to be improved with focus on customer requirements.