Cost Reduction and Management of an Organization Essay

Cost Reduction and Management of an Organization - Essay Example Today, cost decrease just as the executives happens to be the most basic thing for any association. A sorted out undertaking which is expected to investigate the frameworks, rehearses, strategies, items and details for fulfillment of essential capacities at most reduced conceivable expense of possession is to be planned. This incorporated exertion is to be taken keeping the normal execution, quality, dependability just as practicality is mind. Cost decrease isn't just basic, yet additionally conceivable. Associations progressively are concentrating on having models that can empower them to accomplish this objective. There are additionally programming merchants who have comprehended the significance of this and have structured arrangements taking into account this need of organizations taking a gander at cost decrease by a few methods like Activity based costing and utilization of significant worth examination and worth designing. An a valid example is the result of IBM, which is industry driving arrangement called Telecom Pass 4.0 for media transmission industry highlighting cost the executives and cost decrease strategies Worth investigation is an apparatus for development of cost just as procedures utilizing data about the procedures of business and dependent on assessment of various qualities of the procedures for recognizing regions of progress. This is a composed technique which centers around the capacity of each procedure, administration or material that increases the value of the association and there by endeavors to characterize the right cost, quality and boundaries of acknowledgment in the assurance of significant worth in order to have the option to overhaul or reengineer a specific capacity. It is an organized and basic expository procedure which decides the estimation of every rupee spent by discovering which are the most basic capacities at the most monetary cost in this way drawing out the incentive for cash. Worth examination (on the other hand called as worth designing) happens to be a cost approval practice that recognizes required procedures without influencing the nature of yield bringing about lower costs. The use of significant worth designing involves the accompanying exercises: Distinguishing the current exercises and procedures Discovering exercises that can be dispensed with Investigating the expense. Playing out a money saving advantages examination. Making an estimate of consumption streams. Assessment of elective plans. Overhauling the procedure Looking after quality Undertaking plausibility Studies. Giving an exhort on cost arranging Offering a guidance on cost confines and getting ready spending plans. Prompting on income guaging. Movement Based Costing (ABC) It is a philosophy applied for computation of cost of the business by having an attention on the real expense of the exercises completed for having a gauge of the real expense of administration or the item. It thinks about the change of money based bookkeeping framework into gathering frameworks, characterizing the cost places just as cost assignment. Cost focuses incorporate items and administrations. Aside from this it additionally remembers specific and point by point errands for under every wide action. Characterizing of cost focuses fluctuates with various types of organizations, yet what is fundamental is that every single action and assets is distinguished. After recognizable proof of cost focuses, the investigation of exercises of each cost place as

Question and Objective Historical Commentary free essay sample

One of the principal addresses I missed was the absolute first inquiry which posed about what the section could best be portrayed as. I initially thought it was even more a sensational monolog. When I checked my answers and looked into the section again I understood that it was a goal recorded analysis. I additionally got question #40 inaccurate on the grounds that I neglected to consider those to be as doublespeaks. I thought they were epithets utilized by local people. The inquiries structure was somewhat difficult to follow, however it wasn’t as hard this time around. My involvement in this training different decision area was an increasingly wonderful one. In spite of the fact that I missed a couple of inquiries, I can see that it was my own absence of perception that drove me to error. This entry and set of inquiries was much simpler to me than a portion of different ones. I saw the majority of what was given. We will compose a custom exposition test on Question and Objective Historical Commentary or then again any comparative point explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page There were just a couple of viewpoints that were hurled at me that were lost upon me. 1. What components of parody did you notice upon your first read of the article? A few components that I got are the over the top way the creator made jokes about unique items that guarantee to mend you with the intensity of science. 2. What expository methodologies add to the parody? How are they adequately utilized? One logical procedure utilized is promotion populum false notion. All the more explicitly the utilization of bandwagoning, ensuring that other notable individuals let you realize they like the item so as to pick up the intrigue or the average citizens. Another is the utilization of language. It utilizes numerous genuine and nonexistent logical terms, for example, biomagnetic and vibrational biofeedback. 3. What are the key contrasts between understudy reaction 2A and understudy reaction 2B? How would you represent the three point distinction in scores? One of the key contrasts between the student’s reactions is that understudy 1A utilized progressively exact subtleties and statements instead of understudy 1B who didn’t use as much subtleties and that’s what caused the distinction between their scored. 4. Clarify the score got by the essayist of 2C. Where do you figure this author may have botched a chance to make an a lot more grounded article? Where are the open doors for development? Understudy 2C got the score of 3 as a result of his total absence of detail. He concentrated an excessive amount of on the anecdotal realities rather than the component of parody introduced. While examining the individual meetings the understudy could have utilized direct statements and elaboration to additionally clarify the substance of the sarcastic article. 5. In view of your assessment of the inquiry, reactions, and scoring editorial, what guidance would you provide for your cohorts for moving toward an inquiry which requires a clever investigation of parody? The exhortation I would give is ensure you focus on detail and to not be so expansive while talking about the article. Make certain to utilize statements and clarifications. Additionally, make certain to give a lot of models without wandering from the unique circumstance.

Exploring an Organization - International Student and Scholar Office Essay

Investigating an Organization - International Student and Scholar Office - Essay Example The ISSO is the home for some worldwide understudies and analysts because of it gives organizations and an enticing space. This intriguing affiliation involves the head of the ISSO and three genial aides. ISSO is considered as a go-to office for all understudies and specialists, and moreover workforce and staff in regards to the matter of issues or requests related to overall preparing. ISSO is satisfied with its strange condition of customer organization. The workplace is satisfied with its educated staff, two or three whom are comprehensively seen in the general learning field. The aides of the workplace are available for 15 minutes walk around insight or researchers could accomplish them by booking a game plan for additional assessments. They give understudies principal various learning. Other than that, the ISSO pioneers have gone miles in guaranteeing the government assistance of understudies is dealt with. They have selected International Student Advisers (ISA). The ISAs essent ially help every one of those on concentrates with the help of their money related, culture, relocation status, individual concerns and occupation guidelines. Counselors are for the most part counseled when there are dire or genuine worries that may influence the understudies learning. Understudies gain budgetary help, for example, advances and grants from ISSO. Moreover, the affiliation underpins various activities for newcomers follow up on. For example, the International Students Council, the kinship global and the I-Lead. The International Leadership Education Academy for Development (I-LEAD) venture is made out of the International Students and Scholars Office (ISSO) to enable the individuals who to concentrate in prevailing just as in creating authority aptitudes. There is a persuasive award for global understudies who draw in themselves in the program and complete it effectively. The researchers to take an interest and the money was given out can be utilized well to clear school expenses and provide food for any close to home effects.â Additionally, there are administration aptitudes that are gained other than the grant they get.

Top 10 questions to ask when looking at business schools

Written by Marcus Bleckat, Undergraduate Enrollment Director.   Hint: It’s not just rankings The number of students obtaining bachelor’s degrees in business increases annually. What does that mean? Simply studying a bachelor in business does not guarantee you a job – your competition is tough and continuously increasing in today’s economy. To succeed in the global job market and stand out amongst the crowd of business students you ought to build up your international network and take the right steps in choosing the right school that will help you do that.   Here are my top ten tips for every student looking to earn their undergraduate degree in international business: 1. Does it have a curriculum with a practical approach? The Hult Rotation offers you a chance to study in a truly global way. Our rotation program allows you to study and be immersed in some of the finest cities in the world. 📠¸: @jasminmanzano . Hult Rotation offers you a chance to study in a truly global way. Our rotation program allows you to study and be immersed in some of the finest cities in the world. 📠¸: @jasminmanzano . Each year, Hult seeks to enroll a talented and ambitious incoming class from all over the world. We look for diverse students with a wide range of experiences, perspectives, and interests—students who will thrive in our unique educational atmosphere. Are you ready for a truly global experience? 📠¸: @iambrunadiniz . Each year, Hult seeks to enroll a talented and ambitious incoming class from all over the world. We look for diverse students with a wide range of experiences, perspectives, and interests—students who will thrive in our unique educational atmosphere. Are you ready for a truly global experience? 📠¸: @iambrunadiniz . We’re excited to start 2020 on a ranking high! Hult is proud to have been placed #28 in Poets Quants 2020 rankings for Best Undergraduate Business Schools in the US. Taking a huge leap of 32 places from our 2019 position, we’re also very happy to have secured top positions in key categories like: life-changing experience, practicality of the degree, and global immersion. . With five global campuses, a student body of over 130 nationalities, and a learn-by-doing approach—Hult offers a student experience like no other. . We’re excited to start 2020 on a ranking high! Hult is proud to have been placed #28 in Poets Quants 2020 rankings for Best Undergraduate Business Schools in the US. Taking a huge leap of 32 places from our 2019 position, we’re also very happy to have secured top positions in key categories like: life-changing experience, practicality of the degree, and global immersion. . With five global campuses, a student body of over 130 nationalities, and a learn-by-doing approach—Hult offers a student experience like no other. . â€Å"I’m from an engineering background and needed a whole new skill set for the industry I wanted to switch to. I learned a lot about myself and how I deal with being out of my comfort zone. I learned both soft and hard skills, from how to work in very diverse teams to key accounting metrics and strategy. I was surprised by how weak I was at certain tasks in English or how strong I actually was in other areas. Hult gave me opportunities to try new things and meet people from places I never thought I would have friends. . My internship experiences gave me the chance to broaden my view of different cultures and different companies. I had the opportunity to work and live with people whose values differed from people in my home country. I thought that this would be difficult, but it gave me the chance to reflect on my own values and assess if they were a result of my home country environment or if they were intrinsically mine. . Diederick ter Kulve (@diederick.terkulve) Netherlands Masters in International Business . â€Å"I’m from an engineering background and needed a whole new skill set for the industry I wanted to switch to. I learned a lot about myself and how I deal with being out of my comfort zone. I learned both soft and hard skills, from how to work in very diverse teams to key accounting metrics and strategy. I was surprised by how weak I was at certain tasks in English or how strong I actually was in other areas. Hult gave me opportunities to try new things and meet people from places I never thought I would have friends. . My internship experiences gave me the chance to broaden my view of different cultures and different companies. I had the opportunity to work and live with people whose values differed from people in my home country. I thought that this would be difficult, but it gave me the chance to reflect on my own values and assess if they were a result of my home country environment or if they were intrinsically mine. . Diederick ter Kulve (@diederick.terkulve) Netherlands Masters in International Business . Say a big hello to our Bachelor of Business Administration program cover star, Elisa Orus Plana âÅ" ¨ . â€Å"I’m excited for the future—especially that I cant predict whats going to happen. Maybe Ill end up in Mexico working for a trading company or maybe in Africa, developing my own business. Everything is possible, and the options are constantly changing. I love the idea that Im never going to be stuck doing the same job until the end of my life if I dont want it to be like this. . Hult really supports me and my ambitions and truly believes that we deserve to be considered as professionals as well as students. Here, I get to express not just my opinions but all elements of myself. From my creative side with the Fashion Society to my finance and business sides in Trading Club and the Management Consulting Club. We get a different type of learning here. Not just essential knowledge and theory, but practical skills and mindset. The school is always evolving. We’re encouraged to innovate and to always look for new ways of doing traditional things. We learn how to be more confident and become aware of how we can impact our environment. The school aims to help you become a better version of yourself and to stand out from the crowd.â€Å" . Elisa Orus Plana French Bachelor of Business Administration Class of 2021 Say a big hello to our Bachelor of Business Administration program cover star, Elisa Orus Plana âÅ" ¨ . â€Å"I’m excited for the future—especially that I cant predict whats going to happen. Maybe Ill end up in Mexico working for a trading company or maybe in Africa, developing my own business. Everything is possible, and the options are constantly changing. I love the idea that Im never going to be stuck doing the same job until the end of my life if I dont want it to be like this. . Hult really supports me and my ambitions and truly believes that we deserve to be considered as professionals as well as students. Here, I get to express not just my opinions but all elements of myself. From my creative side with the Fashion Society to my finance and business sides in Trading Club and the Management Consulting Club. We get a different type of learning here. Not just essential knowledge and theory, but practical skills and mindset. The school is always evolving. We’re encouraged to innovate and to always look for new ways of doing traditional things. We learn how to be more confident and become aware of how we can impact our environment. The school aims to help you become a better version of yourself and to stand out from the crowd.â€Å" . Elisa Orus Plana French Bachelor of Business Administration Class of 2021"> During the final days of 2019, you probably reflected on what you’ve accomplished this year—and even this decade—and what you’d like to achieve in 2020. Let us know in the comments below. During the final days of 2019, you probably reflected on what you’ve accomplished this year—and even this decade—and what you’d like to achieve in 2020. Let us know in the comments below. â€Å"The first time we did group work on the program, I went head-to-head with a colleague. It taught me a lot about how I see people, how people see me, and how conflict can be resolved in a kind and productive way. The best feedback you get, when delivered constructively, is the most critical because it really feeds into how you lead. I’ve completely reversed my leadership style—the result is so much richer and more powerful when you lead from behind and lead with strength. . Studying in tandem with working, whilst challenging, gave me the perfect platform to directly apply learning concepts into my business environment, the competitive landscape, and the real-estate industry as a whole. When I started the program, I was very happy in my corporate role. But my courage and aspirations grew to the point that I took on a whole new direction. Having my career coach, Joanna, as a sounding board allowed me to really be strategic and get to know myself. She coached me thro ugh all the interviews, the research, and the questions. It went in parallel with what I was doing academically and after six months everything just clicked. . I went into the EMBA knowing I had nothing to lose and I’ve come out with everything. Great strength, global friends, amazing learning, mentors from professors, a job I love, and the knowledge that I can set my mind to achieve anything and with the right support and resources I’ll get there.† . Kashani Wijetunga British, New Zealand Sri Lankan Associate Director Senior Strategy Consultant CBRE EMBA Class of 2019 . â€Å"The first time we did group work on the program, I went head-to-head with a colleague. It taught me a lot about how I see people, how people see me, and how conflict can be resolved in a kind and productive way. The best feedback you get, when delivered constructively, is the most critical because it really feeds into how you lead. I’ve completely reversed my leadership style—the result is so much richer and more powerful when you lead from behind and lead with strength. . Studying in tandem with working, whilst challenging, gave me the perfect platform to directly apply learning concepts into my business environment, the competitive landscape, and the real-estate industry as a whole. When I started the program, I was very happy in my corporate role. But my courage and aspirations grew to the point that I took on a whole new direction. Having my career coach, Joanna, as a sounding board allowed me to really be strategic and get to know myself. She coached me thro ugh all the interviews, the research, and the questions. It went in parallel with what I was doing academically and after six months everything just clicked. . I went into the EMBA knowing I had nothing to lose and I’ve come out with everything. Great strength, global friends, amazing learning, mentors from professors, a job I love, and the knowledge that I can set my mind to achieve anything and with the right support and resources I’ll get there.† . Kashani Wijetunga British, New Zealand Sri Lankan Associate Director Senior Strategy Consultant CBRE EMBA Class of 2019 . â€Å"It was now or never. I knew that I’d have likely stayed in my neighborhood for years to come if I didn’t take this opportunity. I’d not lived or studied outside of the U.S. before. So I left my job as a global strategist at an advertising agency and moved halfway around the world. I’ve come back a more culturally aware, well-versed person. I’ve realized that everything is a learning experience and an opportunity for growth. Ill definitely carry this mindset with me into the future. Technology and social media allow us to be different people in several places at once. Im excited to see how I can establish myself in whatever city Ill be lucky enough to call home and still maintain deep connections with people all over the world. I’m inspired by my classmates every day. Hearing some of their life stories and how getting this degree fits into their greater mission has been very humbling. My biggest challenge has been finding the ‘right’ path for me. There have been rooms Ive felt like I shouldnt be in, but now Im proud to feel as though I truly belong, wherever I am.† . Dwayne Logan, Jnr. American MBA Class of 2019 . â€Å"It was now or never. I knew that I’d have likely stayed in my neighborhood for years to come if I didn’t take this opportunity. I’d not lived or studied outside of the U.S. before. So I left my job as a global strategist at an advertising agency and moved halfway around the world. I’ve come back a more culturally aware, well-versed person. I’ve realized that everything is a learning experience and an opportunity for growth. Ill definitely carry this mindset with me into the future. Technology and social media allow us to be different people in several places at once. Im excited to see how I can establish myself in whatever city Ill be lucky enough to call home and still maintain deep connections with people all over the world. I’m inspired by my classmates every day. Hearing some of their life stories and how getting this degree fits into their greater mission has been very humbling. My biggest challenge has been finding the ‘right’ path for me. There have been rooms Ive felt like I shouldnt be in, but now Im proud to feel as though I truly belong, wherever I am.† . Dwayne Logan, Jnr. American MBA Class of 2019 . Happy New Year, Hultians! . Happy New Year, Hultians! .

The Effects of Video Games on Children - 1656 Words

Introduction For more than 30 years, video gaming has been a popular activity amongst many of America’s children. With over $63 billion (Reuters, reuters.com) worth sold each year, video games are here to stay. While much controversy has arisen over the subject, video games have benefited the United States of America and its citizens to a great degree. For example, the military and CIA use gaming to train soldiers (Davidson, www.ehow.com), and classrooms use video games to teach students. The potential is infinite. Some studies demonstrate video game usage improves certain mental functions. However, when exposed to violent video games, some people develop to antisocial and aggressive behavior. In order to understand the potential benefits†¦show more content†¦This gives the player the opportunity to command the objects to perform specified tasks. Certain games provide pre-built models of ordinary objects such as boats, planes or houses, allowing the player to mix and match the mod els on a template to his liking. Players can create anything under the sun. An example of this type of game is the popular online game, â€Å"ROBLOX.† â€Å"ROBLOX† is one of the most recognized computer games of the decade, with 5.9 million members as of 2010. It provides the user with a software platform full of designing resources such as models, script editors, and pre-designed tools. Video games can be considered as a form of art in themselves, being similar to movies having a moving picture with a story and characters (Palmero, www.youtube.com). Beneficial Studies One Michigan State University study showed that video gaming improves creative thinking skills. One half of the subjects played video games for a specified period of time, while the other half of the subjects used the internet and cell phones freely. Both groups then were told to draw a picture, which were evaluated on a Torrance Test of Creativity chart.. The experimental group had a higher average creativity score than that of the cell phone/internet group. (CBSNews, www.cbsnews.com) There have been other studies supporting the theory that video gaming is beneficial. A recent study from 2009 found that playing â€Å"Tetris† can help develop the brain and make it moreShow MoreRelatedThe Effects Of Video Games On Children Essay1279 Words   |  6 PagesIntroduction Video games have always been a controversial type of entertainment, that may come from how relatively new video games are compared to other mediums of entertainment[1]. Maybe because of that when a violent crime occurs and the culprit has played a lot of games the media is quick to point at violent games as the reason for the crime, but is that true or are the media just biased or looking for quick views, this report aims to answer that question. Do games affect our way of thinkingRead MoreEffects Of Video Games On Children Essay1357 Words   |  6 PagesScreening to a halt: Are parents in New Zealand able to identify signs of dependency or addiction in their children due to over use of screen-time from the recreational use of video games? Digital technology and the vast amount of video games have increased the amount of screen time consumption in contemporary New Zealand society. The saturation of smart phones, ipad’s, tablets, computers, game consoles and the Internet are devices with the means of connection to gaming. Many New Zealand families integrateRead MoreThe Effects of Video Games on Children1288 Words   |  6 PagesThe Effects of Video Games on Children Technology today has progressed rapidly from generation to generation. Children and young adults are both into video games and the latest gadgets out there. Video games have been available to customers for the last 30 years. They are a unique way to entertain individuals because they encourage players to become a part of the games script. Victor Strasburger an author of â€Å"Children, Adolescents, and the media† stated â€Å"The rising popularity of video games hasRead MoreThe Effects of Video and Video Games on Children2043 Words   |  8 Pagesaction, usually in a cartoon, movie, or video game. For many of us, Disney is where we refer back to early forms of animation with the idea of using thousands of consecutive drawings; through Disney, we can now see how far this idea of breathing life into static objects has advanced. Today, animation is becoming more and more realistic. With highly advanced technology and computer programs, it has become easier for simple cartoons to develop into what children see as real life. These animated cartoonsRead MoreThe Effects Of Video Games On Children1548 Words   |  7 PagesVideo Games Introduction Today video games are a staple in most households. It is pretty amazing to know that the first creation of games date all the way back to the 1900s. They were not originally invented to make a profit, but to give patients something to do while waiting in the lobby of an office. One inventor had a simple idea of using the monitor not just as a television set, but as a way to play games. College students were just playing around with equipment and happened upon something greatRead MoreVideo Games And Its Effects On Children927 Words   |  4 PagesVideo games are a more interesting form of entertainment for the simple reason that players may become part of the game’s plot. Video games were invented for many years now. However, the current variety of games raised concerns about how they affect the children s behavior due to the fact that the games are becoming more sophisticated. Children spend most of their free time playing video games. Sometimes children refrain from completi ng important duties and dedicate all of their time playing videoRead MoreVideo Games And Its Effects On Children940 Words   |  4 Pageswas bored they went outside to play, they created new games, or they played with friends. But, for the past three decades, video games and other digital media have been persuading many adolescents and children to spend the majority of their time playing them. Video games seem to satisfy children’s natural need to interact socially, however more often than not, they lead to social isolation. Overexposure to digital media, such as video games is detrimental to the health and function of a child’sRead MoreVideo Games And Its Effects On Children1519 Words   |  7 PagesVideo games in the 21st century have transformed from friendly competing into guns, explosions, and major violence. Video games are getting away with more violence every year and the games are becoming more extreme. The consistence and severity of violence is at an a ll-time high leading the most popular games in the gaming community to have a ‘mature’ rating due to the considerable amount of violence involved. For example, one of the highest selling video games of all time grossing one billion itsRead MoreThe Effects Of Video Games On Children1034 Words   |  5 PagesThe world of today has developed in a way that even children are affected by technology. They enjoy video games in their leisure time and even prefer them to studying that, in its turn, can contribute to their poor performance in the class. These days, video games have become an issue that has brought concern to many people from parents to scholars about their potential effect on the future of children through influencing their conduct. They feel that the violent behavior or any other negative consequenceRead MoreThe Effects Of Video Games On Children Essay1736 Words   |  7 PagesEffects of Video Games We see it everywhere we go, video games. Kids and adults are being captivated over the new video games that are coming out. Call of Duty, Battlefield,Uncharted; these are the games that people are enjoying and becoming fascinated with. What do all of those things have in common? There is only one answer and that is violence. Fighting, shooting, killing, these are the things that video games bring to the table and stimulate people s minds. We should ask ourselves whether

Essay English A Friend or Foe - 666 Words

Today English is the language of international law, international politics, business and diplomacy. Day by day more minor languages disappear, and English becomes more commonly used and global. Scholars argue about how globalization of English and bilingualism around the world would affect other languages and cultures. Most of my friends think that bilingualism and globalization of English will improve the lives of people around the world; however, the situation will only encourage competition and will lead to a survival of the fittest situation. Knowing English constitutes an advantage in the contemporary world. Modern Age made communities and nations come closer through advanced communication channels, and today world communities are†¦show more content†¦Expanding the use of English in other aspects of life will not be hard. People will not reject it since it is already in their lives. The globalization of English will continue, maybe at the same speed or maybe in an accelerating movement. Moreover, English is enhancing international communication in terms of channel usage. Globalization and the age of communication made it possible to reach farthest parts of the world. Internet, mobile phones and other means of mobile communication allow people to reach information whenever they want. However, one must know English to utilize these means of communications because English is the language of technology. 90 percent of the Internet is in English so if you do not know English you are missing 90 percent of the information. Moreover, most of the computer programs are developed for English speakers. An update for other languages takes long to be released. So if you do not know English, maybe you will fail to use a widely accepted computer program. Furthermore, means of mobile communication involves English, too. As a result, English had become the both the language of technology and communication, and made it possible for people from all around the world use channels of commu nication such as the Internet. English seems to be a friend of intercultural communication; however, it is a threat to non-English cultures. Globalization broughtShow MoreRelatedAnalysis Of The Poems My Heart 1400 Words   |  6 Pageslook up upon black, they exploit them, enslave them and oppress them. A black child tells us the story which his mother once told him that made him comes to know his own identity and to know God. Once he thought like this â€Å"White as an angel is the English child, But I am black, as if bereaved of light.† But he changes his idea after his mother told him the sense. I think his mother is a great mother that she gives William Black hope and gives him a lily-white childhood. And we are put on earth aRead MoreAnalysis of A Poison Tree Essay1370 Words   |  6 Pagesthe light to the darkness (from innocence to experience) by the repression of emotions. If one were to read the A Poison Tree on a strictly superficial level, it would be enough to understand the basic meaning: Speaker is mad at friend. Speaker talks to friend, is all better. Speaker is mad at enemy. Speaker says nothing, anger builds. Speakers anger blossoms. Enemy sees blossom (apple) and wants it for his own because it is the speakers. Apple is full of poison, enemy is dead. The endRead MoreAnimal Farm Character Analysis735 Words   |  3 Pageshis animals, just so long as he was on good terms with the humans. By the novel’s end, Napolean is great friends with every human in town. However, his animal slaves are no longer happy as they once were. They still hate humans which means now, they hate Napolean. So due to Napolean’s pride, the story has changed its ways from start to finish. He has turned friends into foe and foe into friends, but at great cost. In the novel, Animal Farm, by George Orwell, Comrade Napolean is a character whoseRead MoreAnalysis Of The Poem Porphyria s Lover By Robert Browning1959 Words   |  8 Pageswith a friend but they told their friend about their anger and their anger dissipated. However, when they became angry with a foe they did not tell their foe about their anger. They go on to give metaphors on how their anger grew over time by hiding it from their enemy and adding to it by increasing their grudge. The narrator claims about their anger that they â€Å"sunned it with smiles† (Blake 7) suggesting that their enemy did not even know that they were foes and possibly thought they were friends. ThenRead MorePost Traumatic Stress Disorder in Literature754 Words   |  3 Pagesthe war are very similar, and he feels very bad about what he had done. Whenever he returns home, Paul suffers from PTSD and has nightmares about that experience. When his friend Kat dies, Paul becomes even more depressed b ecause Kat was his best friend in the Great War. At one point in the book, he says, â€Å"Parting from my friend Albert Kropp was very hard. But a man gets used to that sort of thing in the army.† This shows how cut off from feeling Paul becomes. As the war progresses, Paul hates itRead MoreMartin Luther and His Hymn A Mighty Fortress is Our God1112 Words   |  5 Pagesâ€Å"A mighty fortress is our God, a bulwark never failing; Our helper He, amid the flood of mortal ills prevailing.† Here is the classic English translation of the first two lines of Martin Luthers famous hymn â€Å"A Mighty Fortress is Our God.â€Å" Indeed, it is famous among Christians who unashamedly identify themselves with the Protestant Reformation of the 16th century, which until today continually inspires them to appreciate their roots in the ancient paths (Jeremiah 6:16) of biblical Christianity overRead MoreAnalysis Of Foe And Robinson Crusoe1435 Words   |  6 Pagesrealistic view of w hat was most likely going on in the original. In the original Crusoe had created a new identity and culture for Friday. Friday only knew the language that Crusoe had given him. I feel as if this is what connects to Coetzee’s version. In Foe, Friday had no language to speak to Crusoe. The question is what is worse? Having no way to communicate, or taking away someone’s identity and culture to make them learn new ways? He may be able to communicate with his slave owner, but he will loseRead MoreThe Origins Of The World1513 Words   |  7 Pagesorigins in an existing word as a shortening or pidgin form with a slightly or, occasionally, even wholly altered meaning. Some are ancient and can trace their roots back practically to the dawn of man. Many have their origins in a language other than English having originated, perhaps, in France, Germany, Egypt, Rome, or even in the Nordic tradition to name but a few possibilities. According to the writers of the Merriam-Webster d ictionary, over one hundred and twenty languages have been used to formRead MoreA Poison Tree Analysis Essay977 Words   |  4 Pagesimpacts a tree if it is not provided the essentials. The poison refers to hate deceit and lies and the relationships that leave us vulnerable to this pain. During the time this poem was written Blake had been part of a religious domination called the English Dissenters who had broken ties with the Angelica Church. He had written a collection of poems and called them Songs of Experience. Blake might have felt anger and fear towards the church which would had allowed him to write a dark defensive poemRead More Epic of Beowulf Essay - A True Literary Epic1700 Words   |  7 PagesBeowulf : A True Literary Epic       The Adventures of Beowulf, a rousing Old English poem of man and monster, and perhaps the earliest European vernacular epic, is rightfully considered an epic for it possesses those features which characterize epic poetry.    For example, in epic poetry the central character has heroic or superhuman qualities. In The Adventures of Beowulf, the main character, a Geat warrior named Beowulf, possesses such qualities: â€Å"He was the strongest of men alive in

Issues in Tourism Donoghue v Folkestone Properties Ltd

Question: Discuss about theIssues in Tourismfor Donoghue v Folkestone Properties Ltd. Answer: Introduction The issue of occupiers liability is one of the major concerns in tourism industry. According to the principle it is the duty of the person providing accommodation to the tourists to ensure their safety (Mosbah Saleh, 2014). Any negligence or ham caused to the tourist with respect to the place they have occupied can make the owner of that place liable for such negligence and harm. The report discusses the legal principles as provided in the case of Donoghue v Folkestone Properties Ltd[2003] EWCA Civ 231. This is a classic case where the court has identified when a person can be held responsible with respect to his property. Tourism in Malaysia is on the rise and cases in relation to occupiers liability will have a significant impact of the tourism industry (Movafegh Movafegh, 2013). The report discusses this English case as English common law is used in Malaysia as legal resolutions. Facts The plaintiff in this case was Mr. Donoghue who became tetraplegic after he broke his neck. The plaintiff was tourist and also an occupier of the defendants property. He decided to go for a swim in the middle of the night. He used the slipway to dive into the sea and in the process he hit his head on an invisible underwater obstruction making him break his neck. The plaintiff has made a claim against the defendant under the Occupiers Liability Act 1984 for the damage caused to him. The trial court in this case upheld the claim made by the plaintiff. The court in this case ruled that the defendant owned a duty of care towards the plaintiff as the plaintiff was the occupier of their property. The court in this case also applied the provisions of contributory negligence and only awarded the plaintiff with 25% of the total claim made by them. This was done by the court on the basis of its findings which proved that the plaintiff had made 75% of the contribution towards the harm caused to him. The defendant in this case was not satisfied with the judgment provided by the trial court and did not admit the ruling provided by the court that they owed a duty of care with respect to the plaintiff. The defendant in this case filed an appeal to the appellate court claiming that they did not have a duty of care towards the plaintiff. The defendants claimed that although they have a duty of care towards the person using the slip way to dive in the morning during summers it would not have been reasonable for them to assume that the person would dive into the sea using the slipway in the winters at midnight. Relevant Law The law which is involved in this case is Section 1 of the Occupiers liability Act 1984. The purpose of the act is to provide remedy to the occupiers who have been subjected to harm due to the negligence of the property owner (Sudbury Wilson, 2015). In order to access that there was a negligent act or not the court first analyzes the existence of a duty of care (Weissenberger McFarland, 2016). In case of occupiers liability the duty of care is determined by the court on the basis of the circumstances and condition along with the facts related to the plaintiff at the place where the harm was caused (Mulheron, 2016). Judgment The appellate court in this case considered the description with respect to the harbor in details in order to determine the duty of care. According to the Occupiers liability act the duty of care of a person is determined according to the circumstances in which the the accident had taken place (McAllister, 2015). The trial court in this aspect provided that as there were a number of cases which occurred during the summer with respect to diving. The defendant had employed security guards during the summer to prevent people from using the slip way to dive. However the defendant failed to put a clear notice at the site preventing then divers from diving. In this case the problem was that the plaintiff had jumped in the middle of the night during winter and the defendant had no idea and argued that they reasonable could not have an idea that a person would do such an act in the winter. The trial court in this case used Section 1(3) of the Occupiers Liability Act 1984 according to which a duty of care was adjudged according to the circumstances in which the accident took place (McAllister, 2015). The court ruled that as the defendants were aware of the fact that people indulge in diving at the spot they should have taken reasonable steps with respect to preventing them from doing so. The plaintiff in this case was a professional diver therefore the court held that he should have taken precaution and considered the tide while diving. Thus the court reduced the damages to be paid to him by 75% (Smith, 2014). The appellate court in this respect provided a decision against that of the trial court. The court in this case ruled held the appeal made by the appellants and ruled that a duty of care did not exist between them and the respondents. With respect to the slipway the appellate court ruled that there was negligence on the part if the appellant as they did not put any warning sign on the site with respect to diving. They had the idea that the harbor was such which might cause injury to any person who dives from there during low tide. With respect to the respondent the court agreed to the findings of the lower court that as he was a professional he should have reasonably considered the tide before deciding to make a dive. The respondent was himself negligent while making a dive without considering the dangers associated with it even after having significant knowledge in that field. The court thus did not challenge any finding by with respect to the facts done by the lower court. However the court changed the way in which the relevant laws had been applied to the existing facts. It was provided by the court that in order to accurately come to a decision in this case the provisions of section 1(3) of the Occupiers Liability Act 1984 have to be approached in a different way. According to the section in order to establish a duty of care owed by the defendant to the other person the characteristics and attributes of the other person in the circumstances where the injury was caused has to be considered. Thus the court considered that whether the respondent was subjected to danger or not due to the actions or omissions of the appellant based on the time of the day and the season of the year in which the accident took place. The court thus provided the decision in favor of the appellant stating that he did not owe a duty of care towards the respondent in this case. Relevance in Malaysian Tourism The tourism industry in Malaysia is growing at a rapid pace. The growth is inviting several legal issues which are being faced by the tourist as well as the locals. Malaysian law is primarily based on common law and English legal principles (Cheah Rahim, 2014). The most recent issues which the country have been subjected to are one that of a British tourist stripping on the mountain top. There issues in relation to tourist have to be solved as quickly as possible as they are not the residents of the country. There are several cases pending in the Malaysian trial courts in relation to issues with respect to tourism (Ooi, Hooy Som, 2013). It is a fact that when tourist comes to visit Malaysia they have to occupy the premises belonging to a local for the period of their stay. The laws in their country may be different from that of Malaysia and they might end up doing something which is unlawful. They might also end up injuring themselves as they would not be accustomed to the premises they are temporarily residing in. This may make the locals liable for the injury caused to tourist and they would have to pay the damages caused to them (Musa Thirumoorthi, 2016). Thus in this case the locals should be aware if their rights and responsibility towards their premises used by the tourist. They should ensure that they take reasonable step to prevent any kind of premises which may take place within their premises or by its use. The tourist on the other hand should also know that when a property owner cannot be held liable for the damages caused to them like it was in this case (Hassan, 2014). If the defendant had put a sign near the slipway warning the individuals about the risks involved in diving at that place the accident would not have taken place. On the other hand the tourist should have considered the tide while diving which he did not as a result he was not awarded the claim (Malaysia, 2012). References Cheah, C. F., Abdul-Rahim, A. S. (2014). Tourism, health and income in Malaysia. InSHS Web of Conferences(Vol. 12, p. 01039). EDP Sciences. https://www.shs-conferences.org/articles/shsconf/abs/2014/09/contents/contents.html Handford, P., McGivern, B. (2015). Two Problems of Occupiers' Liability Part One--The Occupiers' Liability Acts and the Common Law. https://research-repository.uwa.edu.au/en/publications/two-problems-of-occupiers-liability-part-one--the-occupiers-liability-acts-and-the-common-law(d76f1686-814b-4b99-ae11-bd8cb59a6d1b)/export.html Hassan, H. (2014). The representation of Malaysian cultures in tourism brochures.Procedia-Social and Behavioral Sciences,118, 140-151. https://www.sciencedirect.com/science/article/pii/S1877042814015493 Malaysia, T., 2012. Tourism Report. Malaysian Tourism Promotion Board. https://www.tourism.gov.my/activities/view/tourism-malaysia-2014-annual-report McAllister, J. (2015). Hidden liabilities.Building Surveying Journal, 22. https://issuu.com/ricsmodus/docs/building_surveying_journal_may_june Mosbah, A., Saleh, A. A. (2014). A review of tourism development in Malaysia.Euro J Bus and Manage,6(5), 1-9. Saufi, A., Andilolo, I. R., Othman, N., Lew, A. A. (Eds.). (2016).Balancing Development and Sustainability in Tourism Destinations: Proceedings of the Tourism Outlook Conference 2015. Springer. https://www.springer.com/in/book/9789811017162 Movafegh, A., Movafegh, A. (2013). The impact of service quality on tourist loyalty in Malaysian tourism industry.International Journal of Innovative Ideas,13(1), 1-19. www.mcser.org/journal/index.php/mjss/article/download/4725/4584 Mulheron, R. (2016).Principles of Tort Law. Cambridge University Press. https://www.cambridgeindia.org/ Musa, G., Thirumoorthi, T. (2016). Tourism in Malaysia.The Routledge Handbook of Tourism in Asia. https://scholar.google.co.in/citations?user=ItsKr7QAAAAJhl=en Ooi, C. A., Hooy, C. W., Som, A. P. M. (2013). Tourism crises and state level tourism demand in Malaysia.International Journal of Business and Society,14(3), 376. https://books.google.co.in/books?isbn=1482881071 Smith, S. L. (2014).Tourism analysis: A handbook. Routledge. https://www.amazon.com/Tourism-Analysis-Handbook-Stephen-Smith/dp/0582251605 Sudbury, P., Wilson, C. K. (2015). Law and legislation.Manual of Curatorship: A Guide to Museum Practice, 198. https://catalyst.library.jhu.edu/catalog/bib_2861668 Weissenberger, G., McFarland, B. (2016).The Law of Premises Liability. LexisNexis. https://store.lexisnexis.com/categories/area-of-practice/civil-procedure-154/the-law-of-premises-liability-skusku-us-ebook-04355-epub/details

Killing Us Softly

What does advertising tell us about women? Looking at the modern advertising no matter where it is put, it is possible to see the message devoted to women which is carried, women are never judged for their achievements, they will always be considered from the point of view of their beauty and if this beauty does not correspond to the norm a woman will never be desired. Watching modern advertisements, it is possible to notice that women are presented in ads as ideal objects for admiration.Advertising We will write a custom essay sample on Killing Us Softly specifically for you for only $16.05 $11/page Learn More Ideal construction, thing body, straight legs, big breast, and perfectly clean face are the main characteristics of women which are to be. If to watch advertising, all women have to be ideal, but it is impossible. Women presented in advertising are perfect, but they are unreal. Nevertheless, each piece of advertising carries a message that it is p ossible to achieve the desired results if a particular item is bough. However, no matter how often a woman buys the items and how many have already been bought, it is impossible to achieve the result shown in ads. Advertising tries to carry the feeling of guilt to women who fail to correspond to ideal. It does not matter that the ideal is unachievable. The main idea of advertising is to make women dependant from the thought that they failed to act correctly. Such thoughts make them dependant on public opinion, men’s point of view and many other issues. The dependency is seen in the way how the things are advertised. Women are shown as the objects, according to the video Killing Us Softly 4 by Jean Kilbourne. The author of the research present many examples of the ads where women take part and which are directed at making them dependant on the public opinion. What are the differences between men and women’s advertising? According to Jean Kilbourne and her Killing Us Sof tly 4, the main difference between men’s and women’s advertising is that â€Å"They’d be doing the same things to men they’ve always done to women†. It should be stated that the main idea Jean Kilbourne wants to deliver to the audience is that there are several ads where men are also desired to be made dependant on the public opinion, however, these cases are single and they have nothing in common to the situation with the female advertising where women have been told for many years about their failure to be unique and ideal. The author of the video insures that men â€Å"would never† be judged the same way in ads as women are. Even if men are used in advertising and they carry the message of the ideal and strong body, such advertising do not the carry of men’s dependence on the thing which are advertised.Advertising Looking for essay on advertising? Let's see if we can help you! Get your first paper with 15% OFF Learn Mor e In other words, when women’s advertising takes place, it says that is women do not boy the thing they are going to fail to be unique. In case with the male advertising, the ads says that is women would not buy an item they will just lack something. The difference is great as the loyalty which is carried on men is never put on women. Men’s advertising is milder, it does not carry the message of their necessity to be ideal, it just says that things which are advertized may assist in being perfect. This essay on Killing Us Softly was written and submitted by user Ethen Valentine to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

How a Writing Service Can Help with the Dissertation Writing

How a Writing Service Can Help with the Dissertation Writing Dissertations. They are huge projects and students who must produce them have never completed this kind of academic project before. If you are in this situation, there is a lot of hep available through the right dissertation writing services help. The key here, of course, is the term right. You have to find the right service to help you a professional one that has a Ph.D. in your research field who can act as a consultant, advisor, researcher, and even writer. You may not know exactly what kind of help you will need as you go through the process, but having that personal helper will be critical. What a Dissertation Help Se rvice Can and Cannot Do First, lets be clear. A professional dissertation writing service will not claim to be able to conduct your original research study for you. Any company that claims it can produce the entire piece, and produce it in short order, is fraudulent. You and your advisor have agreed upon a research question and a study that you will conduct. That study will be completed locally, by you. You have to implement it and gather the data. Remote dissertation help services cannot do this for you. So, instead, lets look at what a professional dissertation writing service CAN do for you. Your Proposal Proposals are hard to put together, and approval is often not given the first time. If you have a Ph.D. consultant in your research field, however, you have someone who can craft a proposal that will be approved. Why? Because s/he has written many of these before and has the expertise. So, you can submit your research question and your department guidelines and even your rough draft of a proposal and get a polished piece that will pass muster. That Literature Review This is the least exciting part of the project, and you will run into a lot of dead ends. As you pour through prior research. A writing service consultant, however, is totally familiar with the existing literature, can access the most current relevant, and craft a literature review that will be scholarly and amazing. Your Research Design and Instruments This is an area of dissertation writing services help that can prove to be invaluable. Designing an original research project and choosing or creating the right instruments for that study can be challenging, at best. At worst, they can be the cause of stress and frustration. A PH.D. consultant from your field can help create that research design and suggest existing/validated instruments or help you craft original ones that will get you the data you need and eliminate those nuisance factors. Presentation of Your Data One chapter of your dissertation will be devoted to your methodology, and it will describe how you collected your data, as well as present that data itself. This will require graphical presentations as well as prose explanations. Your consultant will know how best to present that data, so that a reader can fully understand it. The Data Analysis Here is the most important chapter of your dissertation. The data will have to be statistically analyzed, in order to show the significance of your study. While technology has really simplified this process, there is the issue of choosing the right formulae and entering that data correctly. If you are not a mathematician, this can be a challenging task, and no mistakes can be made. Here is where your consultant can be of huge help. S/he can crunch that data correctly and product the charts, graphs, and prose analysis that you need. The Conclusion This is a hard chapter to write. You have to answer your research question, and you have to explain the significance of your study to your field of knowledge. You also have to identify and constraints, nuisance factors, and gaps, as you make recommendations to future researchers. This chapter requires a high level of organization. If you are struggling with it, your consultant can help. Producing that dissertation can be at least a year-long process, if not more. And it is the rare Ph.D. candidate that does not seek some outside help. If you have a consultant on call to provide the help you need when you need it, you are going to find the entire process much less stressful. And, you will end up with a dissertation that your committee will love.

Research Methods Proposal Example | Topics and Well Written Essays - 500 words - 1

Methods - Research Proposal Example The purpose of the study will be to assess the effects and causes of employee tenure about businesses within the United States. The independent variables within this study are longevity and motivation. The blocking variable will include the subject’s age gender. The extraneous variable within this study will be the type of employment. Finally, the dependent variable will be businesses in the United States of America. The causes and effects of employee longevity affect business within the United States positively. Evaluation of the selected hypothesis will begin with identifying a null hypothesis thereafter; will be formulating an alternative hypothesis. Later on, it will be specifying the significance level. Afterwards, I will perform a comparison analysis with the aim of establishing test scores. The final stage will be the conclusion whereby, I will either reject or accept the null hypothesis. The independent factor in this case will be employee longevity while the dependent variable will be business within the United States of America. The design in use will be a true experiment design. Reason being, it is the only research method, which can evaluate the effect and cause relationship. In order, to enable efficient use the real experiment design, I will begin by determining the treatment to undergo the study; secondly, I will select the subjects that are to be part of the study. This I will do randomly to get different race, gender and age. Thirdly, I will separate the randomly selected items and embark on the study. Finally, I will interpret the findings of my study using statistical analysis techniques. (Experiments and Quasi-Experiments 2014) The subjects in the study are employees of various companies within United States. They will be randomly selected based on age, gender, ethnicity among many more aspects. I will use questionnaires as my experimental materials. When I first arrive in different businesses premises, which will be my fields of

Deconstruction of the 1998 movie ''ARMAGEDON'' by Michael Bay Essay

Deconstruction of the 1998 movie ''ARMAGEDON'' by Michael Bay - Essay Example The film ''Armagedon'' perhaps has a primary means of advancing the narrative is through spectacular visual elements. In the first two scenes there are two corresponding explosions – a meteor striking the Earth and extinguishing the dinosaurs and an unidentified source destroying the space shuttle. It is not long before a third explosion occurs as a meteor slams into a man selling inflatable Godzillas; one considers the irony in a meteor destroying replica dinosaurs. It is clear that one of the predominant means of narrative advancement is in the film’s implementation of these explosions. While they are worked seamlessly into the narrative, it seems that Bay implements them in large-part as a means of startling the viewer, just like a horror film might implement a murder. In other instances, the explosions seem to function simply as a means of allowing the viewer to revel in the Hollywood special effects. For instance, early in the film asteroids strike New York City in a highly fantastical manner, resulting in falling buildings, statues, and wide-scale havoc. Although such special effects are intrinsic to the plot, it is clear that in this scene the film dwells on the explosions simply for their fantastical nature. Another prominent structural device is the parallel narrative form. The film regularly cuts between scenes featuring Bruce Willis and Ben Affleck, and those centered in mission control. As the film begins the two narratives are entirely removed, leaving the viewer to question why blue-collar oilrig drillers would have anything to do with an asteroid. The film expertly interweaves the plot lines, however, as the Billy Bob Thornton character eventually states that they must bring in the world’s best deep core driller in order to stop the asteroid. The film largely remains tied to a parallel narrative structure throughout. It isn’t until a significant amount of scenes have passed before the first montage is implemented. This occurs as Harry and Grace begin to discuss the members of the team they will need to accompany them on their Earth saving mission; the film then cuts between various individuals in their place of residence or favored pastime. Another montage is implemented as the team is given psychological evaluations by the NASA scientists. To a degree, Bay’s way of dealing with this scene seems to be influenced by Steven Soderbergh’s approach in the Ocean’s Eleven and Twelve films; namely, funky sounding music is overplayed while rapid-pace editing jumps between different funny quips. Of course, the film’s primary montage occurs as the United States president announces to the nation the upcoming mission. During this time various scenes of world regions are featured looking on. The message is one of global unity and is highly poignant and inspiring. Still, it’s noted that this device was also used in a similar disaster film, Independence Day, as the United State s president called on the world to join in the fight against aliens. This fact further establishes the

Self Evaluation Essay Example for Free

Self Evaluation Essay I was quite confident about my writing style and had the impression that I am competent enough. But when more than one of my projects got remarks like ‘improve your writing skill’ and ‘work hard on your writing style’, I was shocked and was unable to look for my faults. I had to discuss with one of my teachers who explained that I was using parallelism in my writing style, which was quite boring and repetitive. Then I noticed that I was using some of the words quite a lot of time and they were even repeated quite a lot of times in one single sentence. When I read my story I found that lots of characters were created which either confused the reader or left them bewildered. I had to really work hard so that I make my essays or stories interesting for the reader. While analyzing my early essays I found that most of the time I got diverted from the main stream of discussion and wasted my pages on not so important issues. I now understand it was because I need to draw on outline of my essay before finally writing it. I should deal the objectives and organize them according to the preferences required hile writing it. Repetitive use of words or phrases spoils the charm of writing and fails to make story interesting. Even if the plot is good and organized, it needs to be appealing so that the reader finds it out of the ordinary. I had the idea that repetitive use of words and phrases add weight to your work but it is not in essays or stories. It gives the impression that the writer is using same words just because he is lacking original ideas for the story. This gives a bad impression and cuts your marks eventually. I was always against plagiarism and had the idea that it is just copying word by word of some other writer’s work. But even if you use some facts by changing few words with their synonyms is also categorized under plagiarism. It was quite difficult to understand this issue but I will have to work on it so that my essays are not remarked as ‘plagiarized’. I use sources from Internet or some times related books to research on any matter. I have written different essays on numerous subjects and all I was able to find on Internet. I researched and then collected the matter, read and organized them and wrote iving my opinion on the issue. I have been getting experienced in different types of essays dealing personal as well as public issues. I worked on various writing styles like MLA format, APA format, Chicago style and many more. Initially these were quite new for me but as I worked cautiously and followed the instructions it has become quite easy for me now. To mesmerize the reader it is important to maintain the charm of your topic and suspense of the story till its end. For a good writer it is important that the reader has lots of quarries hile reading the story so that he is not in a position to leave reading it until he ends it. It is an ongoing process and one needs to improve a lot to become a good writer. Lots of practice and a good guidance will help you improve your writing skills. When I was first pointed out with my mistakes I thought I would never be able to improve these things as they come in flow of my natural way of writing. But I was wrong because during the course I was not only able to get rid of my drawbacks but also improved and made my writing style interesting from the point of view of readers. Now this is the most important thing for a writer and he/she can get rewards only when his work gets appreciated by his/her readers. There are lots of things to be taken in to consideration when you research on writing skills and you will feel that you need to learn quite a lot of stuff on the art of writing. It is actually a vast area and there are things that are required to learn and some areas get developed with your experience too. I found that the areas, which used to involve me for hours while writing an essay is now engaging me for remarkably less time. These all happened because of correct learning procedure and practice also. As far as parallelism is considered it is not completely useless but you will find it very useful while writing employment documents. Here you need to put stress on some person or his qualities and it is effective only when you repeat words and phrases. So avoiding parallel style of writing entirely is not right. There are times when you need to echo some facts and there you will need this style along with balance and rhythm so that you are able to convey your actual meaning and intention.

Reality, the Mind, and God Essay -- Philosophy Religion Essays

Reality, the Mind, and God The seventeenth and eighteenth centuries in Great Britain are marked by a general and persistent concern about threats to orthodoxy in religion. Many doctrines and views were seen as threatening: theories about the origin and nature of human knowledge, metaphysical claims about the nature of the world, claims about human nature, about the person and action. (Yolton 3) According to the major viewpoints held in metaphysics, one of the four major categories in the study of philosophy, there are three major ways to regard the constitution of reality. Materialism is "[†¦] the view that all that exists is material or is completely dependent on matter [†¦]" (Gould 421) in order to be perceived and to exist. This is one of the two major, extreme views that exist concerning the substance of reality. The other extreme view, idealism, is the belief that reality consists of mental perception and ideas, that "[†¦] what exists is either an idea or a perceiver of that idea" (Gould 437). According to this view, matter contains no material substance. All matter is comprised of a collection of ideas and the one who is accepting and interpreting those ideas. Beyond these two extreme viewpoints is one of the most popular beliefs concerning reality, especially in Western culture. The belief of dualism denotes that reality is a uniform combination of both material and non-material substance. This view states that reality is made of objects that contain material substance to them. But this perspective of reality holds that there is also a component to reality that depends upon the perceiver, what mental impression he obtains from the material substance, and how he can manipulate th... ...ry expression" (Thayer xv). And Newton’s influence on literary expression as well as philosophical reasoning can be easily seen when viewing the works of such famous writers as John Locke or Isaac Watts. Works Cited Bennett, Jonathan. Locke, Berkeley and Hume: Central Themes. Oxford: Clarendon, 1971. Damrosch, David, et al., eds. The Longman Anthology: British Literature. Vol. 1. New York: Longman, 1999. Gould, James A. ed. Classic Philosophical Questions. 9th ed. Upper Saddle River: Prentice, 1995. Randall, John Herman Jr. Introduction. Thayer. ix-xvi. Thayer, H. S. ed. Newton’s Philosophy of Nature: Selections from His Writings. New York: Hafner, 1953. Watts, Isaac. "Man Frail, and God Eternal." Damrosch, et al. 2638. Yolton, John W. Thinking Matter: Materialism in Eighteenth-Century Britain. Minnesota: U of Minnesota P, 1983.

General Banking Perspectives: Dhaka Bank Ltd

1. Introduction Commercial Bank implies that banks devote most of their resources to meeting the financial needs of business firms. This institution offers the public both deposit and credit services as well as a growing list of newer and more innovating services, such as investment advice, security underwriting, and financial planning. In recent years financial institutions have diversified themselves to satisfy consumers and units of government around the world.The result is the emergence of a financial institution that has been called a financial department store because it satisfies the broadest range of financial services needs in the global economy. The importance to commercial banks may be measured in a number of ways. Banks are still the principal means of making payments, through the checking accounts, credit cards, and electronic funds transfer services they offer. Banks are important because of their ability to create money from excess reserves made available from the publ ic's deposits.The banking system can take a given volume of excess cash reserves and, by making loans and investment, generate a multiple amount of credit. Bangladesh is developing country. After liberalization, we achieve a poor economic growth in last three decades. This is because of number of micro and macro factors as density of people. Bangladesh is a place where we see lack of proper education and poor political stability. Political instability is the major factor in Bangladesh that makes a vital hazard to achieve the economic growth.All of above, banking industry brings a little bit hope that can be a better flavor to accelerate the economic growth in our country. This is the only sector (especially private banking) that getting a continuous develops from last two decades. One of the aims of this study involves the focus on ‘The General Banking Practice of Dhaka Bank Ltd, Halishahar Branch’. Another aim of this paper is to point out how management of the bank ca n perform better and provide better service to the clients. 2. Methodology Different data and information are required to meet the goal of this report.Those data and information were collected from various sources, such as, primary and secondary which is showed below: Primary data were collected from: ? Face to face conversations with the employees at various fields. ? Personal interviewing and interacting customers. ? Observing various organizational procedures. ? Customer’s response from questions. Secondary data were collected from: ? Internet and Annual report of Dhaka Bank Limited. ? Progress report/ Statement affairs and Bank Rate sheet of the Bank. ? Several kinds of Academic test-book and training sheet. Different publications regarding banking functions and foreign-exchange operation. ? Prior research report on this Bank. 3. Scope The scope of the research covers the General Banking practices of Dhaka Bank Limited. The report focuses on the general banking practices in general, how it is implemented in Dhaka Bank Limited. 4. Limitation of the study The present study was not out of limitations. From the beginning to end, the study has been completed sincerely and carefully. But some problem arises from conducting the study.During the study it was not possible to visit the whole area covered by the banks although the financial statements and other information regarding the study have been covered. Some limitation are given stated below- 1. The main constraint of the study is insufficiency of information, which was required for the study. There are various information that the bank employee can't provide due to security and other corporate obligations. 2. Due to time limitations many of the aspects could not be discussed in the present report. 3.Every organization has their own secrecy that is not revealed to others. While collecting data through interviewing the employees, they did not disclose much information for the sake of the confidentiality of the organization. 5. Background of Dhaka Bank: Dhaka Bank Limited is one of the premier and top ranked private banks in Bangladesh. The bank was established in the year 1995 as some veteran and well established businessmen grouped together and worked sincerely to establish this bank. The bank was incorporated as a public limited company under the companies act 1994.The founder of the bank was Mr. Mirza Abbas Uddin Ahmed who was also the former advisor of the bank. The Head Office of the bank is located at Biman Bhaban 1st floor, 100 Motijheel C/A, Dhaka 1000, Bangladesh. The bank started its very first journey on July 5th 1995 with an authorized capital of Tk. 1000 million and a paid up capital of Tk. 100 million. Since the inception of the bank the bank made phenomenal growth in terms of operation, business and goodwill. As of March 31st 2010 the bank’s paid up capital stood at Tk. ,659,597,800 and the total equity (capital and reserves) stood up at Tk. 6,036,368,754. Th e bank currently has 62 fully operational branches all over the country, 3 SME Service Centers, 6 CMS Units, 2 Offshore Units, and one CPZ (central processing office) which is situated in BGMEA building Karwan Bazar , Dhaka Bangladesh As an integral part of their commitment to Excellence in Banking, Dhaka Bank now offers the full range of real-time online banking service through its all branches, ATMs and Internet Banking Channels.Dhaka Bank Ltd is the preferred choice in banking for friendly and personalized services, cutting edge technology, tailored solutions for business need, global reach in trade and commerce and high yield on investments. 5. 1. The Mission of Dhaka Bank Limited- To be the premier financial institution in the country providing high quality products and services backed by latest technology and a highly motivated team of personnel to deliver Excellence In Banking. 5. 2. The Vision of Dhaka Bank Limited- At Dhaka Bank, we draw our inspiration from the distant sta rs.Our team is committed to assure a standard that makes every banking transaction a pleasurable experience. Our endeavour is to offer you razor sharp sparkle through accuracy , reliability , timely delivery , cutting edge technology and tailored solution for business needs, global reach in trade and commerce and high yield on your investment . 5. 3 The Goal of Dhaka Bank Limited- Our people, products and processes are aligned to meet the demand of our discerning customers. Our goal is to achieve a distinction like the luminaries in the sky.Our Dhaka Objective is to deliver a quality that demonstrates a true reflection of our vision – Excellence in Banking. 6 General Banking General banking creates a vital link between customers and bank. It’s really a classic as crucial department for the bank. It is the introductory department of the bank to its customers. The Dhaka Bank Ltd, Halishahar branch has all the required sections of general banking. Every day it receives de posits from customers and meets their demands for cash by honoring instruments. General banking department is that department which is mostly exposed to the maximum number of bank customer. . 1 Different Departments of General Banking It has five major parts in the branch to perform. The sections are: i. Account opening section ii. Cheque clearing iii. Cash iv. Remittance v. Accounts section 6. 2 Different Types of Customers/ Account Holder: Any one can open an account in Dhaka Bank Ltd. if he is capable of entering a valid contract and a banker is satisfied his confide and willing to inter into the necessary business relation with him. So any one of the following types of customers can open account:- i. Individual ( personal ) ii. Joint iii. Proprietorship ( sole traders / registered or unregistered ) v. Joint stock companies ( private/ public ltd. companies) 6. 3 Account Opening and Dispatch Department: Account opening is the gateway to the bank. The relationship between a banker and its customer begins with the opening of an account by the customer. For this, account opening is considered the most important function of a commercial bank. All banks generally maintain a separate department to open accounts. The function of accounts opening department can be classified into the following three categories: 1. Supplying various accounts related information to the customers. 2. Opening of account and . Issuing cheque books and ATM Card. Supplying various accounts related information to the customers: When a customer comes to open an account with a bank, s/he needs to be informed about various information relating to account opening. Account opening department enthusiastically provides necessary information to the customer. Following information is supplied to the customer depending on their requirements: †¢ Type of accounts maintained by the bank †¢ Requirements/Necessary formalities for opening each type of accounts †¢ Eligibility to open an accou nt etc. Types of accounts maintained by DBLAccounts based on operations as under: †¢ Current Account (CD A/C) †¢ Short Term Deposit Account (STD A/C) †¢ Savings Bank Account (SB A/C) †¢ Fixed Deposit Receipt Account (FDR A/C) Accounts based on Nature of Customers as under: †¢ Single/Individual Account †¢ Joint individual Account †¢ Sole Trader/ Proprietorship Account †¢ Partnership Account †¢ Company Account etc. Savings accounts are opened for single/individual and joint individual customer. Business organizations/enterprises are not allowed to open savings account. 6. 4 Requirements/Necessary formalities for opening each type of accounts: ? Single/Individual Savings Bank Accounts: Introduction of customer (Must be either by an account holder (SB/CD A/C) or an employee of the bank. †¢ Photographs-Two copies (attested by the Introducer) †¢ Photocopy of valid passport/Citizenship Certificate from Chairman or Ward commissioner/Cer tificate from the employee of the bank. Add: †¢ Transaction Profile †¢ Signature on Money laundering Circular ? Joint Individual Account: No additional requirements/formalities other than the Single/Individual Savings Bank Accounts. ? Single Individual/Joint Individual CD A/C Requirements/Formalities as like as SB A/C, except here introducer must be a CD A/C holder of the bank. Proprietorship CD A/C †¢ Introduction of the customer (Must be by a CD A/C account holder or an employee of the bank. †¢ Photographs- (Two Copies) of the proprietor. †¢ Valid Trade License. †¢ Company Seal. †¢ Photocopy of valid passport of the proprietor/Citizenship/ Certificate from Chairman or Ward commissioner/Certificate from the employee of the bank. Add: †¢ Transaction Profile †¢ Signature on Money laundering Circular †¢ Signature on KYC form ? Partnership CD A/C †¢ Introduction of the partners (Must be by a CD A/C account holder or an employee of the bank. Photographs- (Two Copies) of every partner. †¢ Valid Trade License. †¢ Seal. †¢ Date of incorporation. †¢ Photocopy of valid passport of the proprietor/Citizenship Certificate or Identity Certificate from Chairman or Ward commissioner/Certificate from the employee of the bank. †¢ Partnership Letter. Add: †¢ Transaction Profile †¢ Each partner’s Signature on Money laundering Circular †¢ Each partner’s Signature on KYC form ? Limited Company A/C †¢ Introduction (Must be by a CD A/C account holder or an employee of the bank †¢ Photographs- (Two Copies) †¢ Valid Trade License Company Seal †¢ Resolution of the Company on company’s letterhead †¢ Certified and attested copy (attested by MD or Chairman) of Memorandum of Association and Articles of Association †¢ Certified and attested copy of Certificate of incorporation †¢ List of Directors †¢ Photocopy of valid passport/Citizensh ip Certificate or Identity Certificate from Chairman or Ward commissioner/Certificate from the employee of the bank. Add: †¢ Annexure E: Identification of Directors and Authorized Signatories †¢ Annexure D: Director’s Signature on KYC form †¢ Transaction Profile 6. Eligibility to open an account: Anyone capable of entering into a valid contract can open an account with the bank. A minor can also open an account under guardianship or alone if s/he is at least 12 years old. But a minor is not allowed to open a current account. Lunatic, Insolvent person/Drunker/Liquidator/Any other individual or organization by law cannot open an account with bank. 6. 6 Accounts Opening of Customers with the Bank Opening of an account involves certain formalities, which varies according to different types of accounts as well as various categories of customers.The bank supplies following printed forms during opening an account of a customer: o Account opening Form o Specimen Signat ure Card o Deposit Slip o Cheque Book Requisition Slip o KYC Profile Form o Transaction Profile Form Customers are requested to read all the instructions carefully and then fill up the forms properly. Account opening officer must have to check all the forms or documents i. e. whether the customer duly signs them where necessary as well as introducer must introduce the customer by putting signature in the space provided on the account opening form.After completion of all the formalities by the customer, Dhaka bank officials have to perform the following functions chronologically: |Scrutinizing account opening form and Specimen signature card | |Getting the approval of accounts by authorized officer | |Putting account number on the form | |Putting entry in the account opening register | |Posting all the account information in the computer | Issuing a cheque book | |Maintaining all relevant papers/documents in separate file in the name of the | |every account holder | |Sending the sp ecimen signature card to the cash department | |Sending a thanks giving letter to the New account opener’s address | |Maintaining all relevant papers/documents in separate file in the name of the every | |account holder | 6. 7 Issuing of a Cheque BookA cheque book is issued to the customer at the time of the account opening or may by issued after 2-3 days from account opening. And additional cheque book is issued at the request of the customer according to his/her necessity. Followings are the formalities during issuing a cheque book: Getting the cheque book requisition slip signed by the account holder By verifying the signature, issuing the cheque book Writing down the account number on each leaf of the cheque book Making entry to the cheque issue register Supplying the cheque book to the account holder after getting proper acknowledgement from the account holderInland Remittance Department Remittance Department: This department deals with transfer of money from one place to another place. Remittance can be classified as inland remittance and foreign remittance; however, remittance department mainly deals with inland remittance rather than foreign remittance. Instruments used for inland remittance as under: o Pay Order (P. O) o Demand Draft (DD) o Telegraphic Transfer (TT) Pay Order: A Pay Order is a written order on a specific instrument i. e. generally called â€Å"Block† issued by a bank to pay a certain sum of money to specific person, Organization or a bank.It is called banker’s cheque, as it is issued by a bank as well as drawn upon on a bank. Issuance of Pay Order: issuance of pay order involves following steps: ? Upon requests of customer, bank supplies prescribed application form ? Applicant has to provide detailed particulars of him/herself as well as beneficiary or receiver of the Pay Order ? Total amount of the P. O must be written both in words and in figures in the space provided ? Credit vouchers are prepared; one for com mission and another for VAT ? Now customer is requested to deposit the P.O amount along with VAT and Commission charges to the cash department ? Cash department releases the application form with authorized signature and cash received seal ? Now Pay Order is written on block which has three parts: First part is retained by the issuing bank, Second part is for customer and Third part is for the beneficiary of the Pay Order ? In this stage all the information is entered into the P. O register Payment or Encashment of Pay Order: Issuing bank makes payment of Pay Order upon presentation through clearing house. When the P.O does not consist of discrepancies, necessarily the proceeds of Pay Order is credited to the account of payee/beneficiary. However, before making payment of P. O, the signature of issuing officer is verified and date of payment is recorded in the Pay Order issue register. Demand Draft A Demand Draft, which is traditionally called DD. A DD is a written order on a specif ic instrument of one branch of a bank upon another branch of the same bank to pay a certain sum of money to or to the order of a specified person or of a specified organization. In practice DD is not issued between two branches within the same city.Issuance of Demand Draft: Issuance of DD involves following steps: ? Customer is asked to fill up a form in specific form provided by bank which is also treated as a voucher ? Commission and Charges are also mentioned in the form ? Two credit vouchers; one for commission and another for VAT is stapled with the form ? Customer pays cash in the cash department with relevant vouchers ? Cash dept. receives cash and delivers vouchers after completing necessary formalities ? Now DD is prepared in a block Branch-wise serial number is given on the draft ? The draft number is written on the voucher ? Draft block and voucher along with the register are sent to the officer in charge for checking and then sent to manager/Second in charge of the branc h for authorization ? The draft may be crossed if customer desires and finally delivered to him/her against initial or acknowledgement on the voucher Payment of Demand Draft: After receiving the DD, the drawer branch checks the date, amount both in words and figures and signature. In case of Test DD, Test number must be reconciled before payment.And then DD is cancelled and payment date is noted in the register. If the DD is crossed, the payment is made through clearing house. Telegraphic Transfer In case of Telegraphic Transfer, which in brief is called TT, an applicant has to fill up prescribed form supplied by bank to inform all the particulars about the sender as well as the receiver/beneficiary of the TT. Besides, following points should be checked in this regard: ? Full name of the beneficiary and his account number if the instruction here is â€Å"credit to beneficiary’s account†, or full address if instruction is there to advise & pay ?Commission and Telegram c harge are recovered from customer ? A cost memo has to prepare for customer in this regard; containing the amount of TT, commission and Telegram charges ? Customer has to deposit cash in the cash department along with voucher and application ? Remittance depart finally checks all the particulars viz. name of the beneficiary, account number of the beneficiary, name of the bank, name of the branch and mode of payment etc. ? Each and every TT must be Tested whatever the amount of TT ?Authorized officer then send the TT message through Telex/Telephone ? The issuing branch also sends a TT confirmation advice to the drawer branch and one copy is retained by the branch Payment of Telegraphic Transfer (TT): The payment of TT is paid only when TT test numbers reconcile. TT receiving branch maintains TT message receiving memo. On agreement of Test, the serial number of TT is entered in the TT payable register. The issuing branch informs if any number is mismatched or omitted. Two vouchers are prepared in this regard as under:DBL General A/C†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦****** Branch———-Dr. Bills Payable A/C†¦Ã¢â‚¬ ¦.. (TT payable)————-Cr. The TT amount is then credited to the beneficiary’s account if the beneficiary/receiver of the TT is an account holder of the branch; otherwise a Pay Order is issued if the beneficiary/receiver of TT is an account holder of another bank. 6. 8 Clearing Section: According to the Article 37(2) of Bangladesh Bank Order, 1972, the banks, which are the member of the clearinghouse, are called as Scheduled Banks. The scheduled banks clear the cheque drawn upon one another through the clearinghouse.This is an arrangement by the central bank where everyday the representative of the member banks gathers to clear the cheque. Banks for credit of the proceeds to the customers’ accounts accept Cheque and other similar instruments. The bank receives many such instruments during the day from ac count holders. Many of these instruments are drawn payable at other banks. If they were to be presented at the drawer banks to collect the proceeds, it would be necessary to employ many messengers for the purpose. Similarly, there would be many cheque drawn on this the messengers of other banks would present bank and them at the counter.The whole process of collection and payment would involve considerable labor, delay, risk and expenditure. All the labor, Risk, delay and expenditure are substantially reduced, by the representatives of all the banks meeting at a specified time, for exchanging the instruments and arriving at the net position regarding receipt or payment. The place where the banks meet and settle their dues is called the Clearinghouse. Activities of the Section: (a) Preparation of Clearing Outward and Inward Lodgment and record maintenance of the same. (b) Batch posting as and when required. On receipt of instruments, the same is endorsed here.Then clearing section wi ll sent IBDA to head Office for clearing purpose and on receipt of IBCA from Head Office amount is credited to customers account and vice versa. If the instrument is return then the same is given back to the customer. 6. 9 Collection Section: Checks, drafts etc. are drown on bank located outside clearing house are sent for collection. Motijheel Branch collects its client’s above-mentioned instruments from other branches of DBL and branches other than DBL. In case of out ward bills for collection customers account is credited after finishing the collection processor.And in case of in ward bills customers account is debited for this purpose. So it places dual role as follows: i) Collecting Banker ii) Paying Banker. Activities of the Section: Collection is done when (i) Paying Bank is located out side Dhaka City. (ii) Paying Bank is other branches of DBL situated inside Dhaka City. i) Paying Bank is outside Dhaka City: Collection department of Motijheel Branch (Principal Branch) , DBL sends outward bills for collection (OBC) to the concerned paying bank to get inter Bank Credit Advice (IBCA) from paying Bank.If the paying bank dishonors the instrument, the same is returned to principal Branch. ii) The Paying Bank of their own branches inside Dhaka City: Collection Department sends transfer delivery item to other branches of same bank situated inside Dhaka City. Upon receiving IBCA customer’s a/c is credited. Procedures for Outward Bills for Collection: 6. 10 Accounts Section: In banking business transactions are done every day and these transactions are to be recorded properly and systematically as the banks deal with the depositors’ money.Any deviation in proper recording may hamper public confidence and the bank has to suffer a lot. Improper recording of transactions will lead to the mismatch in the debit side and credit side. To avoid these mishaps, the bank provides a separate department whose function is to check the mistakes in passing v ouchers or wrong entries or fraud or forgery. This department is called Accounts Department. Besides these, the branch has to prepare some internal statements as well as some statutory statements, which are to be submitted to the Central Bank and the Head Office.This department prepares all these statements. Functions of Accounting Department: We can divide the functions of accounting department into two categories. One is day-to-day task and another is periodical task. a. Day to day functions: Here day-to-day function refers to the every day tasks. Accounting department of DBL performs the following day to day functions: b. Periodical functions: Periodical functions of accounts department include the preparation of different weekly, fortnightly, monthly, quarterly and annual statement.The accounts department prepares the following statements: etc. 6. 11 Cash Section: Cash section is a very sensitive organ of the branch and handle with extra care. Operation of this section begins at the start of the banking hour. Cash officer begins his/her transaction with taking money from the vault, known as the opening cash balance. Vault is kept in a much secured room. Keys to the room are kept under control of cash officer and branch in charge. The amount of opening cash balance is entered into a register.After whole days’ transaction, the surplus money remain in the cash counter is put back in the vault and known as the closing balance. Money is received and paid in this section. 6. 11. 1 Cash Receipt: 6. 11. 2. Cash Payment: 6. 12 Conclusion: Bank is the largest organization of mobilizing surplus domestic savings. Attractive Savings Schemes are offered by DBL such as Contributory Savings Scheme, Monthly Benefit Deposit Scheme, Special Deposit Scheme, Education Savings Scheme, Fixed Deposit Scheme, Dhaka Bank Money Scheme, Dhaka Bank Insured Fixed Deposit Scheme as well as different accounts to save money.Schemes are designed concentrating in different purposes t o help the fixed income group people to help in need. Bank-Officials are also whole-hearted and dedicated to serve their customer with utmost care. 7. Online Branch Banking The Bank has set up a Wide Area Network (WAN) across the country to provide online branch banking facility to its valued clients. Under the Scheme,  clients of any branch shall be able to do banking transaction at other branches of the bank. Under this system a client will to be able to o following type of transactions # Cash withdrawal from his/her account at  any  branch  of the Bank irrespective of location. # Cash deposit in his/her account at any branch of the Bank irrespective of location. # Cash deposit in other's account at any branch of the Bank irrespective of location. # Transfer of money from his/her account with any branch of the Bank. Any amount can be deposited or transferred under Dhaka Line.In the system, however, at present there is a limit for cash withdrawal through bearer or by accou nt holder himself. Terms & Conditions of Online Branch Banking Service ONLINE BRANCH BANKING SERVICE is designed to serve its valued clients. Under this system, you shall be able to do the following type of transactions:    †¢ Cash withdrawal from your account at any   branch of the Bank †¢ Deposit in your account at any Branch of the Bank. †¢ Transfer of money from your account to any other account with any Branch of the Bank Transaction Limit Maximum ceiling of cash withdrawal by self is Tk. 10,00,000/- (ten lac) only per transaction †¢ Maximum ceiling of cash withdrawal by third party (bearer) per transaction is below Tk†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ Only (please mention the limit you wand to place). †¢ Cash deposit/transfer  by online transaction is unlimited Online Transaction Membership Fee Membership fee is  Tk. 50/- per month for the Online Branch Banking Service. Charges for Online Transaction †¢ There will be no charge for transac tion within the city where the account is domiciled †¢ Fee Tk. 7/- will be realized from the customer’s account for each remote transaction (inter-city)  for amount up to Tk. 1, 00,000 (one lac). †¢ Fee at the rate of   0. 075% will be realized from the customer’s account for each remote transaction of amount more than Tk. 1,00,000 (one lac). Who can get this service The Clients who has account in Dhaka bank or who will open account in Dhaka bank and would be interested to maintain substantial deposits in Savings, Current or STD accounts, will be eligible to get Dhaka Line Service.How one can get this service Intending and eligible clients have to apply in prescribed application form to their branch (where account is maintained) to get the online service from the bank. The client should submit two copies photographs and signature cards alongwith the application form. To avail the Dhaka Line service, no charge should be paid for online transaction within a locality where the account is domiciled. But charges should be paid by the customer for inter city online transaction When a account will be activated for onlineWithin 15 days from the date of submission application a account will be activated for online service Dhaka Bank Limited obtained Principal Membership of Master-Card International in the month of May 1999. Within a period of 6 months, the bank successfully launched Master Card-Credit Card which created a new dimension in its customer service and consumer financing. The Special feature of the Dhaka Bank Master Card is that its bears the card holder’s photo on the card, which is the first of its kind in Bangladesh and adds security against misuse.Dhaka Bank Limited issues 4 types of cards. These are Gold Local & International and Silver Local & International. Local cards can be used in Bangladesh only. 7. 1 Followings are the main feature of MasterCard Credit – †¢ Dhaka Bank Ensure High Level of Security  by inserting your Photograph on the Card. †¢ 20 to 50 days credit form the date of transaction. When you receive your monthly statement, you can either choose to pay in full or just minimum due amount shown on the statement. No interest is charged if you pay in full within payment due date. 24 hours a day, 365 days worldwide service. †¢ No joining/administrative fees. †¢ waiver of annual fees for International Card: If you accumulate 20,000 Dhaka Bank Bonus Point for your Gold Card or, 10,000 Bonus Point for your Silver Card in a year then you enjoy our Card without fees( $ 1 purchase: 1 Bonus). †¢ Waiver of annual fee for Local Card:   If you accumulate 10,000 Dhaka Bank Bonus Point for your Gold Card or 8,000 Bonus Point for your Silver Card in a year then you enjoy our Card without fees( Tk. 50/- purchase : 1 Bonus point). The Highest Dhaka Bank Bonus Point holder can enjoy free air ticket Dhaka-Bangkok-Dhaka. (Business Class). †¢ Cash advance faciliti es. †¢ 1,39,00,000 locations accept MasterCard worldwide Facilities Available with the Card : The Card can be used for: 01. Making payments to Merchants against purchase of all goods and services by the Cardholder form Marchant(s); and 02. Availing Cash Advances: ? 2. 1 From any of DBL Branches or any member of MasterCard of any Merchant authorized to make Cash Advances; as may be agreed upon by DBL or ?By the use of the Card on any ATM of DBL or of MasterCard. Subject to these terms and conditions and in compliance with such requirements, limitations and procedures as may be imposed by DBL, any Merchant or MasterCard from time to time. 7. 2 SWIFT Dhaka Bank Limited is one of the first few Bangladeshi Banks who have become member of SWIFT (Society for Worldwide Inter-bank Financial Telecommunication) in 1999. SWIFT is members owned co-operative, which provides a fast and accurate communication network for financial transactions such as Letters of Credit, Fund transfer etc.By be coming a member of SWIFT, the bank has opened up possibilities for uninterrupted connectivity with over 5,700 user institutions in 150 countries around the world. SWIFT No. : PRBLBDDH Deposit Schemes of Dhaka Bank Limited: Bank is the largest mobilizer of surplus domestic savings. For poverty alleviation, we need self employment, for self-employment we need investment and for investment we need savings. In the other words, savings help capital formations and the capital formations help investments in the country.The investment in its turn helps industrialization leading towards creation of wealth of the country. And the wealth finally takes the country on road to progress and prosperity. As such, savings is considered the very basis of prosperity of the country. The more the growth of savings, the more will be the prosperity of the nation. The  savings rate in Bangladesh is one of the lowest in the world. In order to improve the savings rate, Financial Institutions responsible for mobilization of savings should offer attractive Savings Schemes so that the marginal propensity to save increases.The savings do not, of course, depend only on the quantum of income but largely depend on the habit of savings of the people. Contributory Savings Scheme: This is a Savings Scheme in which a person gets the opportunity to build up savings by contributing monthly installments and receives an attractive fixed amount at the end of a specified term. The Scheme is designed to help the fixed income group to save money and build up a sizable funds with which they can go for some income generating venture to improve the quality of their life and/or meet any future financial obligationsThe salient features of the Scheme are given below: > Minimum size of monthly installment shall be Tk. 500/- and multiplies of Tk. 1000/-. Maximum installment size shall be Tk. 25,000/- > The Deposit shall be for a period of 5 years. Lump sum amount shall be paid after maturity or monthly Pension shall be paid for the next 5 years according to the size of deposit. A brief chart of lump sum amount and monthly pension installments payable are shown below: Size of monthly deposit (Taka) |Terminal value after 5 years (Taka) |Pension for next 5 years (Taka) | |500/- |40,000/- |870/- | |1,000/- |80,000/- |1,739/- | |2,000/- |1,60,000/- |3,478/- | |3,000/- |2,40,000/- |5,217/- | |4,000/- |3,20,000/- |6,956/- | |5,000/- |4,00,000/- |8,695/- | |6,000/- |4,80,000/- |10,434/- | |7,000/- |5,60,000/- |12,173/- | |8,000/- |6,40,000/- |13,912/- | |9,000/- |7,20,000/- |15,651/- | |10,000/- |8,00,000/- |17,390/- | |11,000/- |8,80,000/- |19,129/- | |12,000/- |9,60,000/- |20,868/- | |13,000/- |10,40,000/- |22,607/- | |14,000/- |11,20,000/- |24,346/- | |15,000/- |12,00,000/- |26,085/- | |16,000/- |12,80,000/- |27,824/- | |17,000/- 13,60,000/- |29,563/- | |18,000/- |14,40,000/- |31,302/- | |19,000/- |15,20,000/- |33,041/- | |20,000/- |16,00,000/- |34,780/- | |21,000/- |16,80,000/- |36,519/- | |2 2,000/- |17,60,000/- |38,258/- | |23,000/- |18,40,000/- |39,997/- | |24,000/- |19,20,000/- |41,736/- | |25,000/- |20,00,000/- |43,475/- |Short Term Deposit ? A short term deposit (STD) account is a running account with amounts being paid into and drawn out of the account continuously. ? These accounts are called Demand Deposits or Demand Liabilities since the banker is under obligation to pay the money in such deposits on demand. ? These accounts are generally opened by Business Organization, Public Institution, and Corporate Bodies. ? An STD account may be opened by an individual person. ? It is an interest bearing deposit. Interest is calculated on daily basis as per Banks Prescribed Rate and is credited to account on half yearly basis. Current interest rate on STD account  is 6 Percent.Education Savings Scheme The educational expenses particularly the expenses for higher education are sharply increasing day by day in our country. Sometimes, the children are deprived of getting the desired level of education because of the inability of the parents to meet their educational expenses. But the parents would not feel any difficulty to defray such expenses if a proper financial planning is made much ahead of time. Moreover, we are receiving demands from the Islamic minded people of our country for an attractive Savings Scheme on the basis of Islamic Sariah so as to encourage them to save in Islamic way for education of their children.With this end in view, Dhaka Bank Limited has introduced a Savings Scheme entitled â€Å"Education Savings Scheme† in accordance with the principles of Islamic Sariah i. e. , on the basis of profit and loss sharing. The scheme provides a unique opportunity to the parents to make a future provision for the educational expenses of their children when they enter into Schools, Colleges and Universities out of the benefit of a small amount of savings with the Bank at an opportune moment The salient features of the Scheme are give n below: ? The Scheme shall be implemented through all Dhaka branches, though it is specially designed for Islamic Banking branches. ? Deposit of Tk. 50,000/- and multiples thereof but maximum limit of Tk. , 00,000/- at a time will be acceptable under the Scheme. ? A specially designed Receipt shall be issued for the deposit under the Scheme in the same manner as issued in case of FDR. Branches shall use the ESS receipts that used for existing scheme. ? The instrument shall be issued for a period of 5 years term. ? On maturity a lump sum amount of Tk. 85,382/- shall be payable or education allowance @ Tk. 1,854/- per month per Tk. 50,000/- shall be payable on the basis of deposit amount for next 5 years starting from the completion of the term as per following table. Income Tax @10% on interest may be deducted at source at the time of payment of lump sum amount. Initial Deposit (Taka)    |Lump sum amount payable at maturity (Taka)    |Amount of Education allowance per month | | | |  (Taka) | |50,000/- |85,382/- |1,854/- | |1,00,000/- |1,70,763/- |3,705/- | |1,50,000/- |2,56,145/- |5,558/- | |2,00,000/- 3,41,526/- |7,410/- | |2,50,000/- |4,26,908/- |9,263/- | |3,00,000/- |4,69,704/- |11,115/- | |3,50,000/- |5,47,988/- |12,968/- | |4,00,000/- |6,26,272/- |14,820/- | |4,50,000/- |7,04,556/- |16,673/- | |5,00,000/- |7,82,840/- |18,525/- | Double Benefit Deposit Scheme ? The Scheme shall be implemented through all the branches of Dhaka Bank Limited. ? Deposit of Tk. 25,000/- (Taka twenty five thousand) and multiplies thereof but maximum limit of Tk. 25, 00,000/- (Taka twenty five lac) at a time will be acceptable under the scheme. ? The instrument shall be issued for 5 years 4 months term. ? At maturity after 5 years 4 months double the amount of deposit will be paid to the depositor. Photograph of Nominee, duly attested by the depositor, shall be obtained at the time of opening the account. ? Normally no withdrawal will be allowed before maturity. But if any depositor intends to withdraw his deposit before maturity, the following rules will apply: ? (a) No benefit including interest/profit shall be allowed for pre-mature encashment within one year. (b) If the accounts / deposits are closed / encashed after one year of its opening, benefit shall be allowed on the deposit at normal Savings Deposit rate ? The instrument will be acceptable as collateral security against any investment subject to registering lien with the issuing branch. In case of death of a depositor, the amount of instrument will be paid to the nominee, to the legal heirs of the depositor on production of succession certificate. ? In case of instrument is lost the procedure for the issuance of a duplicate receipt will be the same as applicable in case of loss of FDR. ? Under the scheme depositor can get free insurance facility. ? Insurance coverage is only applicable to personal accident and serious illness related insurance policy. ? Depositor can take loan against his/ her deposit under this scheme ? At present no income tax will be deducted from the interest earned. But in future for any change in the government policy Bank reserves the right to deduct income tax.Fixed Deposit Scheme This type of deposit should be kept for a fixed term or period. Dhaka Bank Limited deals with the following terms deposit. Particulars Interest Rate 1(One) month 9. 00% 3(Three) month 12. 00% 6(Six) month 11. 50% 1(One) year 11. 00% Lakhopati Deposit Scheme (a)Monthly Installment size, tenure and terminal value of the scheme will be as follows: Monthly Installment Size (Taka) |Tenure |Amount to be paid after maturity (Taka) | |250/- |15 years |1,00,000/- | |500/- |10 years |1,00,000/- | |1,285/- |5 years |1,00,000/- | |2,400/- |3 years |1,00,000/- | Dhaka Millionaire   Scheme Monthly installment shall be Tk. 12,465. 00 /Tk. 7,890. 00 /Tk. 4,570. 0 for the tenor of 5/7/10 years respectively |Size of monthly deposit   (in |Investment Tenor (in |After the investm ent Tenor the terminal |Pension size of installment | |Taka)   |Year) |value of the Scheme (in Taka) |according to the years Invested | | | | |(in Taka ) | |12,465/- |5 |1,000,000/- |21,748/- | |7,890/- |7 |1,000,000/- |17,137/- | |4,570/- |10 |1,000,000/- |13,786/- | House Building Deposit   Scheme # The tenor of the House Building Deposit Scheme will be 5/7/10 years. # Minimum Equity building amount shall be Tk. 10. 00 lac. |Size of monthly |Size of monthly deposit in|Investment Tenor (in|Age Limit |After the   investment Tenor | |deposit in Tk. |Tk. Year) |(in Year)* |the terminal value of the | |(without |(with Insurance) | | |Scheme | |Insurance) | | | |(in Taka)** | |7,890/- |8,045/- |7 |18 to 38 |1,000,000/- | |12,465/- |12,640/- |5 |18 to 40 |1,000,000/- | |9,135/- |N/A |10 |18 to 35 |2,000,000/- | |15,770/- |N/A |7 |18 to 38 |2,000,000/- | |24,925/- |N/A |5 |18 to 40 |2,000,000/- | * Age upper limit will be applicable for HBL facilities only # Insurance Coverage will be restricted to terminal amount of Tk. ,000,000/-(Taka Ten Lac) only, here the age limit will be from 18 years to 60 years # A person can open more than one account but House Building Loan facility shall be on one account only. # Account in the name of minors can be opened too under the Scheme but without insurance coverage. # The installment shall be payable by the 8th day (in case of holiday the next working day) of every month. Advance payment of any number of installments  is acceptable. 8. CAMEL Rating of 48 Banks: The capital adequacy, Asset quality, Management standard, Earning and Liquidity rating (CAMEL) of all commercial banks on the basis of credit management performance till December 2007 have been rated by Bangladesh Bank (BB). It is mentionable that Dhaka Bank Ltd. got the top position in â€Å"A† class banks. CAMEL Rating:Analyzing the overall operational activities of all commercial and specialized banks; central bank, the regulatory authority of countryâ €™s banking sector has ranked 6 ‘A-class’, 27 ‘B-class’, 8 ‘C-class’,5 ‘D-class’ and 2 ‘E-class’ banks by the end of 2007, which was completed recently. A- Class Banks: 1. Dhaka Bank Ltd. 2. Shahjalal Islami Bank Ltd. 3. Commercial Bank of Ceylon. 4. Citibank N. A. 5. State Bank of India 6. Standard chartered Bank B – Class Banks: 1. Eastern Bank Ltd. 2. Premier Bank Ltd. 3. The Trust Bank Ltd. 4. BRAC Bank Ltd. 5. Southeast Bank Ltd. 6. NCC Bank Ltd. 7. One Bank Ltd. 8. Standard Bank Ltd. 9. Woori Bank 10. Bank Alfalah Ltd. 11. National Bank of Pakistan. 12. Dutch Bangla Bank Ltd. 13. Exim Bank Ltd. 14. Mutual Trust Bank Ltd. 15. Jamuna Bank Ltd. 16. Bank Asia 17. Islami Bank Bangladesh Ltd. 18. Uttara Bank Ltd. 19.National Bank Ltd 20. The City Bank Ltd 21. Basic Bank Ltd. 22. Habib Bank Ltd. 23. HSBC 24. Pubali Bank Ltd. 25. Mercantile Bank Ltd. 26. Social Investment Bank Ltd. 27. Dhaka Bank. C- Class Ban ks: 1. First Security Bank Ltd. 2. UCBL 3. Al-Arafa Islami Bank 4. Bangladesh Shilpa Rin Sangstha 5. IFIC Bank Ltd. 6. AB Bank Ltd. 7. Agrani Bank Ltd. 8. Rupali Bank Ltd. D- Class Banks: 1. Sonali Bank Ltd. 2. Bangladesh Krishi Bank 3. Bangladesh Shilpa Bank 4. Janata Bank Ltd. 5. RAKUB E-Class Bank: 1. Bangladesh Commerce Bank Ltd. 2. Oriental Bank Ltd. 9. Recommendation After observing the operation procedure of DBL, I recommended the following: ATM:Dhaka Bank has few ATM booths in the Dhaka city, but these are not sufficient to give service to the customer’s . So Dhaka Bank has arranged an agreement with Dutch Bangla Bank limited so that the customers of the Dhaka Bank can use its booth. To give smooth service to the customers Dhaka Bank should increase its own ATM Booth. Branch: Dhaka Bank should open branches in the all district towns besides Dhaka & Chittagong city for expansion its business area. Interest Rate: Dhaka Bank should Increase interest rate on FDR and other deposit scheme. Islamic Banking Branch: Bangladesh is a Muslim majority country, so Dhaka Bank should increase their Islamic Banking Branch in Bangladesh. 10. ConclusionIn Halishahar branch I have been working for 3 months, by this time I have found some good strengths and opportunities, Dhaka Bank Halishahar Branch has a strong opportunity to achieve strong market in Halishahar area because it is situated in a appropriate and attractive place. In short time Halishahar Branch gathered 30 core deposits; this is a great achievement for Halishahar branch and also achieving healthy profit as a new branch. From my view, this branch has some Strength these are: ? Dhaka Bank has well reputation in the market. It is number one Private commercial Bank in Bangladesh. ? In Halishahar branch efficient management practice. ? Halishahar branch is Well-furnished and Air-conditioned Bank. Dhaka Bank’s Officers are highly educated. ? Dhaka Bank’s Executives are highly qualified and ex perienced. ? Credit Department of Halishahar branch is strong prospective department. ? Dhaka Bank gathered maximum market share in banking business. ? Dhaka Bank not engaged in unfair business practice. ? Dhaka Bank has many attractive deposit schemes. ? Dhaka Bank becomes more reliable to the all kind of people. References 1. Kenova, V. & Jonasson P. 2006. Quality Online Banking Service. Jonkoping university. 2. Pallent, Julie. 2007. SPSS Survival Manual: A Step by Step Guide to Data Analysis usingSPSS for Windows. England: McGraw. 3. Cooper, D. R. , & Schindler, P. S. (2003).Business research methods (9th Ed. ). Mc GrawHill. 4. Cooper and Schindler (2006) 5. Malhotra 2003 6. http://www. htm. uoguelph. ca, 7. â€Å"Marketing Professional Services† By Philip Kotler, Thomas Hayes, Paul Bloom. 8. Mr. Alan Lau, Head of Consumer Banking, Maybank Singapore 9. October 20011 Mr. Laksham Silva, CEO, DFCC Vardhana Bank (07/03/2012 ADRIANA REYNERI), (Tanbir Ahmed Chowdhury-2009). â₠¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€œ Deposit-slip depositing the cheque along with Crossing of the cheque are done indicating the Branch as collecting bank Entries are given in the Outward Clearing Register Endorsement â€Å"Payee’s A/C will be credited on realization† is given