Mission Impossible, Courage Under Fire, And A Time To Kill Essays

Crucial, Courage Under Fire, And A Time To Kill The most recent five years have seen an expansion in the remain on savagery in films. As activity films with their huge stars are taken higher than ever consistently, more individuals appear to contend that the brutality is impacting our nation's childhood. However, every year, the measure of watchers additionally increments. This current summer's raving success Independence Day earned more cash than some other film ever, and it was brimming with savagery. The other summer hits included Strategic, Courage Under Fire, and A Time to Kill. These motion pictures contained viciousness, and all were profoundly acclaimed. And all, except for Freedom Day, were pointed toward grown-ups who comprehended the savagery and could separate screen savagery from genuine viciousness. There is nothing amiss with having savagery in film. On the off chance that a grown-up needs to go through a night watching Arnold Schwartzenager Save the world, at that point he ought to have that right. Film pundit Hal Hinson appreciates watching motion pictures. Truth be told, he became hopelessly enamored with films while he was apprehensive just because. He was watching Frankenstein, and, as he portrayed in his article In Defense of Violence, it played with his faculties so that he promptly became hopelessly enamored with motion pictures. . The threat was phony, however Hinson depicted that it played with his faculties in such a manner that he in a split second began to look all starry eyed at. Hinson feels that most film darlings were prompted by indistinguishable snares from himself. Motion pictures were exciting, hazardous, and entrancing (Hinson 581-2). Hinson says that as a culture, we like savage craftsmanship. However this isn't something that is new to the present culture. The old Greeks idealized the class of disaster with an utilization of savagery. As indicated by Hinson, they accepted that while viciousness in life is dangerous, savagery in workmanship need not be; that craftsmanship gives a sound channel to the characteristic forceful powers inside us (Hinson 585). Today, the Greek disaster isn't regularly observed, however there are different shows films that encapsulate and use viciousness. Tom and Jerry, The Three Stooges, what's more, well known prime time shows including the exceptionally acclaimed NYPD Blue and ER are all savage. There is an overflow of fierce films in Hollywood. Typically, the years most noteworthy moneymakers are savage. Indeed, even Oscar winning films, those motion pictures that are the best of the year, have savagery in them. Quiet of the Lambs, Unforgiving, and In the Line of Fire are only a couple. Indeed, even with this savagery on both the little and big screen, Hinson makes an understood explanation that genuine viciousness is the issue, not film brutality. He feels that individuals dread screen viciousness since they dread we may become what is delineated on screen. Hinson feels that to appreciate savagery, one must have the option to recognize what is genuine what's more, what isn't (Hinson 587). Another exposition, this one entitled Popcorn Violence, delineates how the kind of savagery found in film and TV is totally not quite the same as genuine brutality. The creator, Roger Rosenblatt, depicts how little youngsters can be presented to screen savagery at an early stage throughout everyday life, yet the sort of brutality is anecdotal to the point that the association between what is seen on TV and what goes on out in the avenues is rarely made. The model Rosenblatt uses to represent this point is wrestling. In proficient wrestling there are heroes, for example, Hulk Hogan and Randy Macho Man Savage, and trouble makers, which incorporates any semblance of The Undertaker and Rowdy Piper. Each Saturday morning they go into the ring and battle. Its great versus awful. The show, obviously, is clever, for what it's worth intended to be. The characters are abnormal to such an extent that they are funny. They wander around the ring, hollering and shouting, looking very ludicrous. They play to the group, either making them boo or cheer. Sometimes, for instance, if state Hulk Hogan is winning a battle, the trouble maker's companions may participate and pick on Hulk. The entirety of this brutality, and the children love it (Rosenblatt 589). The equivalent happens in real life motion pictures. There is a hero and a trouble maker, however the miscreant as a rule has bunches of companions, and they all join forces against the hero. Rosenblatt clarifies that occasionally you pull for the heroes, and different occasions for the trouble makers. He says that we pull for the

The Inspiring Sherman Alexie free essay sample

Eric Moore English 102: Writing ll Mrs. Bobbi Buchanan 18 July 2011 The Inspiring Sherman Alexie In the article â€Å"Superman and Me† by Sherman Alexie represents the relentless desire and mental fortitude of a youthful Indian kid who gives a good old fashioned thumping to an existence of neediness and persecution and helping other people do likewise. He was an exceptionally clever kid who wanted to peruse. He needed to resemble his dad, who was a devoted peruser. He cherished his dad with a hurting dedication, so he chose to adore books like his dad. He was resolved to show himself how to peruse, to improve a life for himself. Alexie appeared to be a determined man who knew precisely what he needed, and was happy to do whatever it took to accomplish his objectives. He would state â€Å"I am brilliant. I am presumptuous. I am fortunate. I need to spare my life (210). We will compose a custom paper test on The Inspiring Sherman Alexie or on the other hand any comparable subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page † He didn’t need to maintain odd sources of income to live; he needed something better for himself. He didn’t need to resemble his folks, who scarcely landed by working odd positions around the booking. Alexie would get his father’s books before he had the option to peruse. He didn’t know the words however that didn’t stop him. Alexie recalls when he figured out how to comprehend the clearness of a paragraph.He couldn’t state section however he realized what a passage was. He called a â€Å"fence that held words (208). † He began to relate everything to a passage. I discovered this statement intriguing on the grounds that it indicated him as a straightforward man, in spite of his achievements. This made him increasingly relatable to me. As he comprehended everything in a passage, he got a Superman comic book. He still couldn’t read yet he comprehended what the photos implied. He was just three years of age. This stood apart to me on the grounds that at three years of age, my brain was on playing, not reading.When he saw an image of Superman experiencing an entryway, he would state â€Å"Superman experiences the entryway (209). †He saw it as showing himself how to peruse. He in the end showed himself how to peruse. As he read, the books he read got increasingly hard. When Alexie was in kindergarten he was perusing â€Å"Grapes of Wrath†, while different kids were perusing â€Å"Dick and Jane. † He was popular among his educators. He composed, â€Å"If he had been definitely not an Indian kid on a booking he would have been known as a wonder. But since he was an Indian kid on a booking he was called a peculiarity 209). † The image this makes in my mind is a kid that is a pariah and disagreeable, in spite of his stunning knowledge. In any event, being avoided by his companions didn’t prevent Alexie from accomplishing his objectives. Alexie regularly would talk in third individual to sound progressively unassuming about his abilities. He generally felt like an outsider, since he was so savvy and realized how to peruse. Alexie composes â€Å"A shrewd Indian is a hazardous individual, generally engaged and disparaged by Indians and non-Indians the same (209). † Alexie battled with his schoolmates on a day by day basis.Alexie composed â€Å"Indian youngsters would compliantly dodge their heads when gone up against by a non-Indian grown-up however would slug it out with the Indian harasser who was ten years more established (209). † They didn’t like the way that he was brilliant and wouldn’t remain calm when the non-Indian educators would request answers when they would pose inquiries. He would likewise chip in his administrations to help the non-Indian educators with things around the study hall. Indian kids should be incautious. Indian kids should go paunch up in a non-Indian world. They were commended by Indians while doing as such, yet Alexie didn’t need to fall into that statistic.He needed to be savvy and break that generalization. With my insight into the merciless and at some point lethal treatment of African-Americans during integration of schools, I can envision the comparative obstructions he confronted. Alexie wouldn't fall flat. He was self-important, shrewd, and fortunate. He would peruse books late into the night. He would peruse books at break, at lunch, and in the couple of moments left after he had completed a task in class. Sherman would peruse books as his family would make a trip to powwows and ball games. He would go to the book shop and read odds and ends of the same number of books as he could.He would peruse books his dad would bring home. It didn’t matter how little or enormous the books where. He would peruse the rear of grain boxes, papers, things posted on the notice board at school or the library. By perusing continually it demonstrated the commitment Alexie had toward perusing. Alexie would peruse whatever had words or passages. Alexie adored his books, yet he additionally realized that affection had just one reason. He said â€Å"I was attempting to spare my life (209). † He was resolved to be a self-trained man. He needed to be brilliant and prevail throughout everyday life. Notwithstanding on the perusing he had done, he was shocked that he turned into a writer.He felt that he would turn into a pediatrician. Today he composes books, short stories, and sonnets. Sherman visits schools on the booking and shows experimental writing to Indian kids. In his youth years he was never educated to compose verse, short stories, or books. He didn’t think Indians composed that way. Today he visits whatever number schools as would be prudent. By his work in schools Indian youngsters today are composing their own sonnets, short stories, and books. Alexie has been a positive good example for the kids on the reservation, by his commitment to keeping these kids from experiencing similar preliminaries he went through.The youngsters have perused his books and have been roused by him. There are as yet crushed Indian youngsters that sit in the rear of the homeroom. They are the youngsters who don’t accept that they can be brilliant. They disregard him when he is talking. Be that as it may, Alexie tosses his weight against their bolted entryways and attempts to dock the entryways down. The kids continue opposing him. Sherman says â€Å"I am savvy, I am pompous, I am fortunate. I am attempting to spare our lives (210). † Throughout the story, Alexie shows that regardless of what sort of foundation you originate from you can be a canny individual and prevail at life. He volunteered to figure out how to read.No matter the deterrents, he believed constantly in himself. He put stock in instructing himself to peruse and making a superior life for himself. With all that he has done in his life he despite everything discovers time and can offer back to the Indian kids on his booking. He is a positive good example and guide to the Indian children. He has additionally demonstrated that regardless of what deterrents or what sort of foundation you originate from; on the off chance that you buckle down you can make progress. Missy James, Alan P. Merickel. â€Å"Superman and Me 208-210† Reading Literature and Writing Argument Fourth Edition. Boston: Pearson Education, Inc. 2011. Print

Blog Archive Mission Admission The B-School Interview Is Not a Quiz Show

Blog Archive Mission Admission The B-School Interview Is Not a Quiz Show Mission Admission is a series of MBA admission tips; a new one is posted each Tuesday. This time of year, business school candidates are starting to interview with their target MBA programs. Many of these applicants inevitably fret and ask themselves,  â€œWhat if I don’t know the answers to my interviewer’s questions?”  The good news is that, as the title for this blog post states, a business school interview bears no resemblance to a TV quiz show. The admissions officer, alumnus/alumna or student who interviews you will not ask you about esoteric topics and will not expect you to answer questions pertaining to management disciplines, about which you will learn more in the first year of your MBA program. The vast majority of the questions you will receive in your interview will pertain to your life and  experiencesâ€"in other words, the interviewer will be asking you about  youâ€"so you will already have all the answers in hand as you start the interview. As your first step in preparing for your interviews, take time to reacquaint yourself with your own story, especially as you have presented it thus far  to the school in question. Go back and reread your essays, contemplate pivotal moments in your life and consider your major accomplishments and failures. By doing so, you will be sure to have the basic knowledge necessary to perform at your very best during your interview. For more guidance with your business school interviews, sign up for a  mock interview session  with us! Share ThisTweet Mission Admission Blog Archive Mission Admission The B-School Interview Is Not a Quiz Show Mission Admission is a series of MBA admission tips; a new one is posted each Tuesday. This time of year, business school candidates are starting to interview with their target MBA programs. Many of these applicants inevitably fret and ask themselves, “What if I don’t know the answers to my interviewer’s questions?” The good news is that, as the title for this blog post states, a business school interview bears no resemblance to a TV quiz show. The admissions officer, alumnus/alumna, or student interviewing you will not ask you about esoteric topics and will not expect you to answer questions pertaining to business management. The vast majority of the questions you will encounter in your interview will pertain to your life and experiencesâ€"in other words, the interviewer will be asking you about youâ€"so you will already have all the answers in hand from the beginning. As a first step in preparing for your interviews, take time to reacquaint yourself with your own story, especially as you have thus far presented it to the school in your application. Go back and reread your essays, contemplate pivotal moments in your life, and consider your major accomplishments and failures. By doing so, you will be sure to have the basic knowledge necessary to perform at your very best during your interview. For more guidance with your business school interviews, sign up for an mbaMission mock interview session! Share ThisTweet Mission Admission Blog Archive Mission Admission The B-School Interview Is Not a Quiz Show Mission Admission is a series of MBA admission tips; a new one is posted each Tuesday. This time of year, business school candidates are starting to interview with their target MBA programs. Many of these applicants inevitably fret and ask themselves,  â€œWhat if I don’t know the answers to my interviewer’s questions?”  The good news is that, as the title for this blog post states, a business school interview bears no resemblance to a TV quiz show. The admissions officer, alumnus/alumna or student interviewing you will  not  ask you about esoteric topics and will not expect you to answer questions pertaining to management disciplines. The vast majority of the questions you will encounter in your interview will pertain to  your  life and  experiencesâ€"in other words, the interviewer will be asking you about  youâ€"so you will already have all the answers in hand from the beginning. As your first step in preparing for your interviews, take time to reacquaint yourself with your own story, especially as you have thus far presented it to the school in your application. Go back and reread your essays, contemplate pivotal moments in your life and consider your major accomplishments and failures. By doing so, you will be sure to have the basic knowledge necessary to perform at your very best during your interview. For more guidance with your business school interviews, sign up for a  mock interview session  with us! Share ThisTweet Mission Admission

All About Chinese Wedding Flowers

Chinese wedding flowers are used mostly as a decoration on tables at Chinese weddings and large bouquets of colorful flowers (typically pink and red) are often given to the bride and groom as gifts. These elaborate bouquets usually line the hall leading to the wedding reception. Some brides opt to carry a small bouquet though this is usually just for wedding photos. Lilies are popular Chinese wedding flowers because the word lily (ç™ ¾Ã¥ Ë†, bÇŽi hà ©) sounds like the ç™ ¾Ã¥ Ë† ( bÇŽi hà ©) part of the proverb ç™ ¾Ã¥ ¹ ´Ã¥ ¥ ½Ã¥ Ë† (BÇŽinià ¡n hÇŽo hà ©, happy union for one hundred years). The flower also represents bringer of sons. Orchids are another popular Chinese wedding flower. Orchids symbolize love and a married couple. Orchids also represent wealth and fortune. The lotus is also a popular Chinese wedding flower. A lotus bloom with a leaf and bud symbolizes a complete union. Two lotus blooms or a lotus and a blossom on one stem represent a wish for shared heart and harmony because è  · (hà ©) means union.

Smoking Is Harmful Or Harmful Essay - 1721 Words

Abstract: Smoking is obviously harmful to one’s health. The smoke inhaled never leaves the body as it found it. Nicotine in the smoke is very addictive. Engaging in this dangerous act at an early age is far more dangerous to a teenager’s life and trims out at least ten years of their future lives by causing premature deaths. As we take a few steps back into the origin of smoking, the reasons the ancients held for it and the recent effects disclosed related to smoking, it is expected that the teenager will make a solemn decision to either quit smoking or never begin smoking. Ignorance and assumptions are no excuses for the consequent health hazards caused by smoking. Included within this paper are some recommended alternatives for those who on the verge of quitting that may be helpful. Smoking Ever since the evolution of smoking tobacco, numerous and severe damages in the human body and the society at large have been evidenced. Smoking was for so long regarded an adult thing. But that was a few decades ago. Today, smoking is commonly considered a teen or youth thing. It is no longer strange to find teenagers as young as thirteen experimenting with cigarettes and calling it the day’s hot thing to do. As the side effects are continually becoming detrimental not only to their health but also their social and academic lives, the issue of smoking among teens is no longer considered a light matter. The aim of this essay is to explore the issue of smoking beyond theShow MoreRelatedHarmful Effects of Smoking806 Words   |  4 PagesSmoking has become very common and fashionable, especially among young boys. This habit usually begins at school when boys try to experiment with every new thing that they can lay their hands on. Despite the warnings given by doctors about the ill-effects of smoking, people continue to smoke. Smokers are addicted to it, and even if they want to, they cannot refrain from picking up a cigar or cigarette and puffing away. Some youngsters smoke for the sake of society and some feel that would make themRead MoreThe Harmful Effects Of Smoking And Smoking1380 Words   |  6 Pagestime they light a smoke. Some of the harmful effects of smoking include various potentially lethal diseases to the smoker and others exposed to secondhand smoke, the sinful addiction caused by a key ingredient in cigarettes, and social issues smoking causes for smokers and their loved ones. Smoking should be prohibited completely because of the harmful physical and social effects it has on smokers and the non-smokers they associate with. First of all, smoking creates a number of health problems forRead MoreShould Smoking Be Harmful?882 Words   |  4 Pagesdecreasing it is pretty high for something that is deadly. There are poster ads, flyers and TV adds saying to stop smoking or learn how to quit smoking because it can cause Colds, Wheezing, Coughs and asthma as well and that is only the start of smoking. Smoking can be extremely harmful diseases such as lung cancer. 84% of deaths cause by lung cancer comes from smoking cigarettes. Smoking does not help you in any way, it affects your body,. But do people listen to adds they see, not necessarily whenRead MoreHarmful Effects of Smoking2429 Words   |  10 PagesHarmful Effects Of Smoking Smoking isnt good for ones body. Especially if youve been smoking a pack a day, and for a long period of time. But what is the full extent of the effects of smoking on your body? The effects of smoking varies from person to person as it will depend on the persons vulnerability to the chemical in cigarette or tobacco smoke. It will also depend on the number of cigarette sticks a person smokes per day, the age when the person first started to smoke, and the number ofRead MoreHarmful Effects of Smoking1418 Words   |  6 PagesHarmful effects of smoking Doan Thi Huong Thao BAIU08155 International University HCMC Academic English 2 Bien Thi Thanh Mai Instructor May 17, 2010 Abstract Smoking is known to be a primary cause of harmful effects on health, family, environment and society. However, scientist research in health and environment, that researches show that smoking cause many diseases, even lung cancer. An aim of my study has been to determine that smoking also effect on family and society. Results indicatedRead MoreSmoking is Harmful and Dangerous1087 Words   |  4 PagesSmoking is harmful and dangerous for American University in Cairo (AUC) students. Worldwide, tobacco use causes more than 5 million deaths per year (â€Å"Fast Facts†) and this is a large number of smokers that should be decreased. In Egypt, there are 34, 000 deaths each year due smoking, according to the article â€Å"Smoking in Egypt | Egypt Independent†. However, the number of smokers in Egypt is increasing every day and especially among youth. AUC took a first step to protect its students from this dangerRead More Harmful Effects Of Smoking Essay1907 Words   |  8 Pagespeople die because of lung cancer or other tobacco related illnesses. Everyone in the world comes in contact with smoke from a cigarette at least once in their lifetime, whether it is at a restaurant or at work. Millions of people are addicted to smoking, and thousands more become addicted every year. Cigarettes and other tobacco products are everywhere. Most of the addicted smokers started when they were young (Roberts 18). The reason why people get addicted to any type of tobacco product isRead MoreThe Harmful Effects Of Smoking Tobacco1547 Words   |  7 Pages The Harmful Effects of Smoking Tobacco My purpose for writing this paper is to educate the reader of the harms and effects done onto a person from smoking Tobacco and persuade anyone thinking about or attempting to smoke Tobacco to consider the following for your own benefit. I will cover most harmful effects Tobacco has on not only the person using it but also the people around them. I will also show both sides of the argument with both the pros and the cons of smoking Tobacco as well as provideRead MoreThe Harmful Effects Of Smoking Cigarettes964 Words   |  4 PagesTobacco is widely used by people around the world. It’s so addicting that many people cannot prevent themselves from smoking. The reason is because of a toxin called nicotine. Nicotine can be found in all tobacco products. Prior to research, researchers have found that nicotine changes the way the brain works, also when a person smokes tobacco they not only consume nicotine, but also over 600 chemicals including tar, ammonia, acetone, lead, methano l, and more (What s In a Cigarette?). Many ofRead MoreShould Cigarette Smoking Be Harmful?943 Words   |  4 PagesSmoking is growing popular for both the old and the young; it’s a habit which is very unhealthy that increases person chances of lung damage. The smoke from the cigarette enhances the possibility of damaging everybody lungs around you that is called second hand smoke, which kill more people a year than the actual cigarette smoking. While cigarette smoking is harmful to your health, the E-cigarettes have little to no harm on the changes of developing lung cancer or other health issues. Smoking cigarettes

A Short Summary and Analysis About the Book ‘’ Pride and...

Mazhenov Dauren Student ID: 20123464 Undergraduate Foundation English 5/ ENG0005 07/11/2012 A Short Summary And Analysis Of The Book ‘’ Pride and Prejudice’’ By Jane Austen BACKGROUND INFORMATION - BIOGRAPHY Jane Austen was born in 1775 at Steventon, Hampshire in southern England, where her father was a minister. She was the sixth child in a family of seven children. The family was very close, and Jane had a particular closeness to her sister Cassandra. Although she attended boarding school for a short while, she was mostly educated at home. Both she and Cassandra were attractive and attended country parties; neither of them married, although Jane had several proposals. Much of Jane’s life is captured in the letters that†¦show more content†¦Marriage due to sensual pleasure can be seen in Lydia’s marriage. The marriage of Jane and Elizabeth are the outcome of true love between well-matched persons. MOOD The mood throughout the novel is formal and realistic to its nineteenth century setting. SOCIAL AND CULTURAL BACKGROUND A general knowledge of the social and cultural setting in which a novel is written is important, for most novels mirror the customs and values of a particular society, often criticizing it. The Hertfordshire country town where the greater part of the novel is set is Longbourn, only a mile from the market town of Meryton and 24 miles from London. The neighborhood around the Bennets is large, for they dine with twenty-four different families, only three of which are named. The Bennet’s society is drawn largely from Meryton (which is the mother’s background) rather than from the country (which is the father’s), THE LITERARY BACKGROUND Jane Austen’s Pride and Prejudice appeared on the English literary scene in 1813. The author had worked on its realistic style and content for more than fifteen years, for she was a perfectionist in her approach to writing. Her first novel was unlike any of the hundreds of others written at the time, which were mainly Romantic (filled with emotion and passionate) or Gothic (filled with horror). OVERALL ANALYSES CHARACTER ANALYSIS Elizabeth Bennet - Elizabeth is a spontaneous, high-spirited, vivacious, witty, and warm young lady. SheShow MoreRelatedLiterary Analysis : Pride And Prejudice 1420 Words   |  6 PagesLiterary Analysis Research Paper MLA format Minimum requirements: Pages 1-5 (Include at least one parenthetical citation for each source listed on Works Cited page.) Author/biographical writing style Short summary of 10 sentences using plot diagram Setting Major characters Theme Symbols/motifs Literary prose techniques Prose analysis Page 6 Reflections – your opinion of author novel (see your reaction journal) Page 7 Works Cited (minimum of 5 reliable sources) Felicia L. Cridland ProfessorRead More The Basic Elements of Jane Austens Pride and Prejudice4010 Words   |  17 PagesThe most important things about a novel are more than one. Which can be Plot, Themes, Conflicts, Settings, Mood etc. Pride and Prejudice is a very complicated but simple play and for a new learner of Jane Austens this work, one should have to know the basics of this novel. Under are discussed the same basics for the help of the new readers. BACKGROUND INFORMATION - BIOGRAPHY Jane Austen was born in 1775 at Steventon, Hampshire in southern England, where her father was a minister. She was theRead MoreAsk the Dust by John Fante13686 Words   |  55 Pagescom/studyguide-ask-the-dust/ Copyright Information  ©2000-2012 BookRags, Inc. ALL RIGHTS RESERVED. The following sections of this BookRags Literature Study Guide is offprint from Gales For Students Series: Presenting Analysis, Context, and Criticism on Commonly Studied Works: Introduction, Author Biography, Plot Summary, Characters, Themes, Style, Historical Context, Critical Overview, Criticism and Critical Essays, Media Adaptations, Topics for Further Study, Compare Contrast, What Do I Read Next?, For Further StudyRead MoreTeaching Middle and High School Students Literature7100 Words   |  29 PagesCanyon University RGD 545 Professor Karen Foster February 27, 2008 Teaching Middle and High School Student Using Literature Outline: I. Short Stories a) Activating Prior Knowledge b) Responding to the Selection c) Short Story Selections 1. Suggested Activities to use with Various Groups II. Oral Tradition Literature – Tall Tales and Folktales a) AnalyzeRead MoreJane Austen’s Novels and the Contemporary Social and Literary Conventions.12979 Words   |  52 PagesManners, Sentiment and Emulation. 12 2.3 The Gothic Romance. 13 3. Jane Austen and Her Novels in relation to the Contemporary Literature. 15 3.1. Austen’s Criticism about the Contemporary Fiction. 15 3.2. Jane Austen as a Conservative Writer and as a Social Critic. 16 3.3. Austen’s writing in her own perception. 17 4. Pride and Prejudice. 20 4.1. Elizabeth Bennet and Mr. Darcy – the Reversed Ideals. 20 22 5. Emma 23 5.1. Emma the heroine. 23 5.2. Men of sense and silly wives 26 5.3. EmmaRead MoreAnalysis Of Ralph Ellison s Flying Home And His Other Writings 1937 Words   |  8 Pagesfulfill his own artistic ambitions, which prevented him from becoming great. He did not have the effect of Martin Luther King, because he was not looking to bring a whole class justice, but sought to weasel his way into a world of privilege and fame. Summary of Flying Home In Flying Home, A young, black pilot, spins out of control. He crashes breaking his leg. An old black man and his grandson find him. The old man keeps the pilot company while his grandson brings help. The pilot despises the old manRead MoreThe Awakening, the Story of an Hour, and Desirees Baby2934 Words   |  12 Pagesâ€Å"The Awakening† was very controversial, and in the end it denied her admission into the St. Louis Fine Art Club. Chopin was very hurt by the reaction to the book, so for the remainder five years of her life she only wrote short stories. Kate Chopin died of a cerebral hemorrhage at the age of fifty-three. The purpose of her novels and short stories were to entertain and call attention to the male dominance and woman submission during this timeframe, while expressing her beliefs on the strength ofRead MoreArt or Propaganda? - a comparison between Alain Locke and W.E.B.Dubois5435 Words   |  22 Pageswere to be recurrent themes of the decade of the twenties: the Negro as a producer and a subject of art, and the Negros artistic output as indices of his contribution to American life. (Linnemann R.J. p 79) In essense, both Locke and DuBois agreed about what constituted good art. It was the function of art on which they did not agree. DuBois doubted if one could really have a disembodied art or beauty; but Locke was not seeking for the Negro writer a disembodied beauty. (Linnemann, R.J. p 92) DuBoisRead MoreHhs 201 Discussions Essay4175 Words   |  17 Pageshyperactive or just have a high energy level. The fear of being judged, labeled, or punished is also an internal barrier. One will wonder if their child will be labeled retarded if tested for a learning disability or worried about applying for benefits because of what people may think about them. External barriers are environmental and make it hard for people to receive help. The inadequacy of service is a just one barrier. This can include language barriers or building maintenance. It can include openingRead MoreMovie Review - the Blind Side2732 Words   |  11 PagesMovie Analysis The Blind Side John Lee Hancock Submitted by: Redeem B. Tamayor BABA-1 A Summary The Blind Side was a 2009 American semi-biographical drama film written and directed by John Lee Hancock, and based on the 2006 book The Blind Side: Evolution of a Game by Michael Lewis. It featured Michael Oher, an offensive linesman who played for the Baltimore Ravens of the NFL. Homeless and traumatized, Michael â€Å"Big Mike† Oher was absorbed in Wingate Christian School through the

IT Risk Management for Financial Company -myassignmenthelp.com

Question: Discuss about theIT Risk Management for Financial Company. Answer: Incidence responses are the measures in which a company or organization has set in place to ensure that it is prepared to handle any kind of incident which may happen. Incidence response is important because it has various benefits which help a company respond to an incident appropriately. One benefit is to enable an organization to form a team that will be in charge of responding to an incident. The team will be highly trained to guide the people who are affected by the incident to safety. It will also reduce the amount of damage that may be caused by an incident. When an incident occurs the potential of it becoming a severe problem is very likely (National Registry of EMTs 2017, n.p.). However the implementation of an incidence response team might reduce the impact in which the incident may have so that it does not become worse. When an incident occurs there is usually a lot of confusion. For there to be minimal casualties and a chance to respond effectively to the incident there n eeds to be a central communication point which can aid in responding to the incident by guiding people on where they should evacuate to safety as other professionals come in to try and avert any more damage that may be caused by the incident. The cost involved in coming up with an incident is usually very high. This is because there needs to be acquisition of various resources which are costly and may not be used for a long time. In an organization such as financial company its staff are based in its headquarters where they are able to conduct their operations. There are possibilities of disasters happening such as an electrical problem which may cause a fire. The company is obliged to have security measures such as fire extinguishers and designated fire point. When a fire breaks out there is usually a lot of panic. The individuals who are caught up in the building during the fire will try and run for safety. When it becomes a scenario of every man for himself in a disaster the chances of the number of casualties escalating is very high. There are people who may die as they try to escape the company building due to a stampede when everyone is running for their lives. People may also fall and get injuries as they exit the building through the stairs because it is ill advised to use elevators during a fire. There should always be a disaster preparedness plan and policy within a company. The plan will enable the company to evaluate to what extent they may be able to respond to a disaster so that they ensure that in case a disaster happens they will be ready to face it and avoid a huge number of casualties (Hazardous Materials Management 2017, n.p.). The plan can be described using an incident response life cycle. It contains four main stages which are preparation, detection and analysis, containment, eradication and discovery and post incident activity. Objectives Audiences Key Messages Timing Communication of incident. Respond to the incident. Review incident response to evaluate All staff in the building and necessary stakeholders such as fire department and hospital. Qualified onsite personnel help with tackling the incident Top management and strategic team Advise them on danger and proper way to exit the building. Following the set plan to ensure there is minimal casualties and damages. Evaluate the incident and the response measures. Find out the benefits of having the plan and what can be worked on to achieve the best response to an incident. Urgent and updated as events unfold. Urgent and updated as evacuation continues. After incident has been resolved. A month or two after the incident. Reference List Hazardous Materials Management (HAZMAT). 2017. Retrieved from www.gsa.gov. National Registry of EMTs. 2017. National Registry of EMTs. Retrieved from www.nremt.org.

A Visit To The Norton Museum Essays - Modern Painters,

A Visit to the Norton Museum I saw a lot of amazing arts when I went to Norton Museum. The one that I was interested in was Nude on a Sofa. It had a different felling form the other arts. The art had a comfortable feeling when I look at it. The art (Nude on a Sofa) was painted by Henri Matisse, in French, 1869-1954. The art give me a relaxing feeling. She was leaning on the Sofa in the portrait. The special detail about the art was that Henri outline her pink body. Also at the Norton Museum there was a panting by Vincent van Gogh of his mother. It was mad in 1988. The portrait of his mother came form a black photograph. Vincent had a picture of his mother already but he didn't like it because it was in black and white. That's why he painted portrait of his mother. Vincent wanted to paint in color so he see as lasting memories. The memories that he could remember forever. Here is another great artist, Pablo Picasso. He painted Bust of Woman. The painted was made in Spain, on 1881-1973. Pablo Picasso painted with oil and black chalk on canvas. The body is gentle light. The background was mid black. She looks sensitive and shy. In a way she like she was in love. She looks young and beautiful. Finally, Paul Cezanne a French artist painted the art Vase of flowers 1838. Paul Cezanne painted with oil on canvas. The art was an Impressionist. The art is not that clear. But I could see the beauty of it. Paul Cezanne portrait is usually consist of fruits and vase with flowers. In the way he painted is about natural motions. In conclusion, I think Paul Cezanne had the simple art of all. But the art was attractive. Some of the art are bright, but they look amaze. The other arts are cool. I also liked the piece of art from Henri Matisse. It gave me a feeling of relaxation when I look at it. Even though The Norton Museum was small. It had a lot of good arts. I had a great time at the museum.

Homelessness Today essays

Homelessness Today essays One day as I was driving to my sisters house in Ravenswood, I saw an elderly man standing at the end of the off-ramp. The gentleman was holding a sign that read: Homeless will work for food. God Bless. As I rolled to a stop, I rolled down my window and offered him my last five dollars. To my amazement the gentleman declined my charity. He said god bless you miss but I will work for my keep. I told him that I could certainly appreciate that. I then inquired if he had a place to stay for the evening and he informed me that if he didnt get to Parkersburg he would go to a friends house. As Mr. Baumohl declares in his book Homelessness in America "The lives of all people, disabled or not, are embedded in circumstances shaped as much by structural factors as personal and biographical ones" ( 26). It is sad to say that with that statement the gentleman I encountered is not eligible for homeless assistance according to the West Virginia Bureau for women and childrens homeless services. In order to be eligible for services under the homeless program, an individual or family must be in immediate need of housing and have no income or means of obtaining housing. This means that there is no one, friend or family, who can provide emergency shelter and there are no financial resources available to the individual or family with which to purchase shelter. Individuals or families facing eviction are not yet homeless and therefore do not qualify for homeless services (West Virginia Bureau for Children and Families). Today, in America, more and more people are becoming homeless in every sense of the word and still unable to receive assistance from government agencies. We as a concerned and caring nation need to combat these unjust labels and help those who need it, not just those who qualify. Homeless, its meaning is literal and prosaic: the absence of a domicile. Thus, we employ it to describe those sl...

Tom's of Maine toothpaste 4 P's of marketing Research Paper

Tom's of Maine toothpaste 4 P's of marketing - Research Paper Example om’s of Maine’s business, these include general concepts or ideas about everything in business, including its products and their prices and place or distribution, and promotional activities. In the creation of their products, Tom’s of Maine included the idea of values and quality standards. This is clear from the words of Tom’s of Maine claims support leader and natural standards advocate, Pam Scheeler, saying, â€Å"At Tom’s of Maine, we believe one thing that makes our products good is how we make them. That’s why we’ve always been committed to high quality standards and never use artificial colors, flavours, fragrances, preservatives or animal testing. You deserve the peace of mind that comes with knowing the products you choose not only work, but also share your values† (Tom’s of Maine, 2015). Tantamount to the quality standards of their products, Tom’s of Maine chooses to highlight the importance of research and choosing the best ingredients of their products that will adhere to the values or specific requirements for the health safety of their potential customers. This is the area where they have created a un ique specialty for their product offerings, particularly in its segment for toothpaste. â€Å"Our customers prefer the fresh, natural taste and smell of herbs, fruits, and flowers (no fragrance added).†, as stated in Tom’s of Maine’s website. This means that Tom’s of Maine’s potential customers are looking forward to what is healthy and natural choice of toothpaste. Considering that it has highly specialized its products like toothpaste, it is also implied that the firm sets a remarkably special price for it. In some reviews of the price of its products, some customers find the price point to be high. Considering that Tom’s of Maine is maximizing profitability, skimming as a pricing strategy particularly on its specialized toothpastes has become its wide option in order to deliberately achieve its goals towards

Will new background checks on gun purchases assist with decreasing gun Research Paper

Will new background checks on gun purchases assist with decreasing gun violence - Research Paper Example This gives rise to organized gangs and illegal trades, which heighten conflicts, thus necessitate the use of the guns in harming others (Kemshall 12). It is therefore with the knowledge that the American streets have more informal guns than the formally accounted guns thus explaining the high crime rates that the government formulated new background check on gun purchases. This policy seeks to review the current laws governing the purchase and ownership of guns thus improving more accountability. The efficacy of such a policy depends on its implementation to regulate the rising crime rates in the countries major cities. The crimes in the cities have an effective pattern that thrives on the formation of organized gangs. Such gangs operate on illegal businesses such as the trade of drugs; drug peddling is the greatest cause of street violence in the country. The illegal trade is worth billions of dollars an amount that requires security to manage. With weaker guns management policies, drug peddlers gain access to guns with which they secure their trades. The heightened rate of conflicts among such guns reciprocates in the use of the very guns in causing harms to other opposing gang members and other innocent citizens. Siegel (19) explains that another group of potential source of gun violence is robbery. Robbery and violent attacks is more prevalent in the American streets all of which are executed by the use of guns. Robbers need force to scare their victims before stealing from them, the most perfect source of scare to most of the people are guns, this therefore necessitate the frequency with which robbers use guns and violence in their robberies. Additionally, guns aid the robbers thwart resistance from their victims. The other type of gun use arises from the unregulated licensing of gun users, in a country with more people officially owning guns, every frustration and conflict attracts the use of guns thus causing more casualties from very light feuds. It is with this understanding that the government formulated the new background check on the purchase of guns in a bid to regulate the private ownership of guns. This in a way seeks to curb the rising crime rates. This new policy is an improvement to the Brady Handgun Violence prevention Act of 1993which required the federal firearms licensees to analyze every prospective firearms buyer and determine their suitability to purchase the arms. This new policy makes this analysis more stringent by dictating that just a single state organ have the ability to dispense guns to the public. With a single dispenser, it becomes to investigate every illegal gun in the street and determine its origin. Furthermore, such a single outsourcer provides effective documentation of the guns and their buyers to ease federal investigations in case of a crime. The legislation further dictate that the gun dispenser share its database with the federal bureau of investigation and any other state investigation body t o fast track investigation processes of any case involving the use of illegal guns (Kemshall 41). This law further requires that the licensing body investigate the mental state of the gun buyers. In doing this, the federal body determines the suitability of the gun buyer to use the firearm responsively without causing intentional arm to the society. The gun purchase further requires the establishment of the need for the gun, the government laws permit top government officials to own guns. Such officials include government secretaries, judges, magistrates, attorneys and other top ranking civil servants. These people attract public attention towards themselves and they conflict with a number of people in the dispensation of their

Market analysis of starbucks

Market analysis of starbucks Starbucks was founded in 1971, in Pike Place Market, nestled in Seattle with hopes of creating a third place between home and work. The company was originally named Starbucks Coffee, Tea and Spices, but today change to Starbucks Coffee Company. Now stores are located all over the U.S. They sprung up in urban areas, suburbs, as well as rural areas. This expansion developed the brand as we know it today. It has become a well known name for quality coffee. The company has realized that people dont only come for coffee; they come for the atmosphere, (Kembell). Customers are able to socialize, read, study or enjoy music while drinking coffee. They changed the normal experience of going to a coffee shop. The music selection, furnishings, wide selection of coffee, and great customer service set them apart. Howard Schulz, CEO of Starbucks, once stated, You get more than the finest coffee when you visit a Starbucks-you get great people, first-rate music and a comfortable and upbeat meeting place. In their own words, Starbucks describes this as, champions business practices that help produce social, environmental and economics benefits of communities in which we operate. Starbucks wants to open new stores in both new and existing markets, expand their product development process, and cater to customers needs to eventually improve their financial position and dominate market share. Situational Analysis The limiting of impact on the environment comes in many forms, from materials they use to the way the coffee in produced. The Urban Coffee Opportunity is to help get Starbucks Coffee Company stores into ethnically diverse communities. The mission and principles are listed among many other aspects of the company on their web site, starbucks.com. Coffee being their staple product, they offer over 30 blends, which come from all over the world. They package these as well as produce a premium handcrafted beverage in their stores. Starbucks also offers its customers a wide assortment of home coffee machines. That means in the United States they had 11,168 stores, 7,087 company operated stores and 4,081 licensed stores make up this staggering number. They now have 4,588 stores in over 43 countries. Their brand is top notch in the coffee world, but this awareness is mainly in respect to their handcrafted beverages and other items located at their store. Market Summary Target Markets The primary target audience was found by evaluating information from focusing in on those that drink ground pre-packaged coffee in the home. another target audience is women 20 to 45. A secondary target audience is men aged 20 to 45. They understand that Starbucks is more than just a brand of coffee, but instead, its an experience that a person is savouring in the morning during their coffee time. the original target market has not disappeared, but has expanded into the demographic of the store location. Market Demographics Data from 2004 showed the company was far from reaching existing markets. That in the Pacific Northwest, there was one store for every 20,000 people whereas in the Southeast there was only one store for every 110,000 people. Some Researches showed Starbucks was operating in over 300 Company-owned stores in the United Kingdom, Australia, and Thailand. Customers that started visiting Starbucks in 2002 were 45% female,55% male. The most frequent customers average 21 visits per month, whereas the typical customer visits seven times per month. Average age for an established customer was 38, new customers was 42. Demographic factors are important to Starbucks so executives can make vital decisions regarding population, ethnic groups and expansion. According to the CIA World Factbook, people between the ages of 15-64 make up the largest percentage of the population, and therefore have the greatest influence on Starbucks to maximize profit. Market NeedsMarket Growth Starbucks wants to create an experience for their customers that combine their on-the-go schedule, as well as a place to relax. they believe people come here for the coffee, but ambience is what makes them want to stay, Starbucks operates over 10,000 retail stores. Most of the 4,200franchised stores are located in shopping malls and airports. Starbucks menu contains brewed coffee, espresso traditions and favourites, cold beverages, coffee alternatives, frappuccinos, and the sale of whole beans. From the beginning when Howard Schultz took over Starbucks, he believed, Partner satisfaction leads to customer satisfaction, Starbucks employees are referred to as partners. As of 2002,Starbucks employed 60,000 partners worldwide, 50,000 of those in the United States. Specialty coffee was an estimated $5 billion business in the foodservice channel. Starbucks was estimated to have a 5% share. In-the-home consumption was an estimated $3.2 billion business. Starbucks was estimated to have a 4% share. The coffee market can be divided into consumers segment by where the coffee is drunk, In-Home vs. Out of Home; and type of product, Soluble (Instant) vs. Ground coffee. Three market trends worth noting are firstly the anticipated growth of the out of home segment based on a recent study by Nestle (As reported in Bernama Press 2009), where Malaysians currently spend 35 per cent of their total food and beverage expenses out-of-home. Secondly, instant coffee market caters quite specifically to local tastes. This can be witnessed by the behaviour of Nestle , the market leader, who in 2009 (Chan 2009) also introduced a range of instant hot drinks targeted at local tastes to compete directly with other domestic brands who have specialised in domestic flavours such as White Coffee or Kopi-O. PEST ANALYSIS The PEST analysis examines the broad environment in which the organisation is operating. (Johnson Scholes, 1999) There are the four key areas in which to consider how current and future change can affect the business of Starbucks. Political factors Political factors include government regulations and legal issues and define both formal and informal rules under which the company must operate. (Knowles et al, 2001) As Starbucks is expanding internationally, trade restrictions, tariffs, tax policies and employment laws of related to their business countries have influence upon Starbucks. Economic factors The Starbucks business depends on economic factors in developing countries, where it buys the coffee beans. Coffee is the principle commercial crop. Social factors The social and cultural influences on business vary from country to country. Social factors include the demographic and cultural aspects of the external environment. These factors affect customers needs and the size of the potential market. (Johnson Scholes, 1999) Technological factors Technologies allow Starbucks to offer the higher standard quality products; its computerised roasters allow the company to create unique computerised curves in roasting coffee beans.

Apple Computer Case Analysis :: Apple Computers History Computer Essays

Apple Computer Case Analysis History Steve Jobs and Steve Wozniak founded Apple on April 1, 1976 in Santa Clara Valley, California. The two built the Apple I out of a garage and sold it. The first Apple I computer did not include a monitor, keyboard, or casing. Due to the high demand for the Apple I, Jobs realized that there was a market for small computers. He also realized that he could market the company's name and the computer's user-friendly look. In 1977 Wozniak added a keyboard, color monitor, and eight peripheral device slots. Apple sales increased from $7.8 million in 1978 to $117 million by 1980, which was the year that Apple went public. Wozniak left the Apple in 1983 and Jobs hired PepsiCo's John Sculley as president. In 1984 Apple introduced the Macintosh and bounced back from failed product introductions. Jobs left Apple in 1985 and founded NeXT Software, which is a designer of applications for software development. Microsoft founder Bill Gates' appealed for Apple to license its products and make the Microsoft platform an industry standard, but Sculley ignored his offer. In 1986 Apple introduced its Mac Plus and LaserWriter printers. Shortly after, Apple formed the software company that later became Claris. By the 1980s Microsoft brought new competition with the Windows operating system (OS) which was similar to Apple’s graphical interface. Apple sued Microsoft but lost its claim due to the 1992 copyright protection. In 1993 Apple introduced the Newton handheld computer, but sale did not show much promise. Since earnings were decreasing, Apple had to downsize its workforce. Sculley was among the employees who left the company. By 1994 Apple started licensing clones of its OS, hoping to attract software developers. In 1996 Apple realized Mac clones were stealing sales and hired Gilbert Amelio as CEO, formerly from National Semiconductor. In 1997 Apple purchased NeXT, but sales continued to decline. The company was forced again to downsize, cutting about 30% of its workforce. Many projects were canceled and research costs were cut, due to the downsizing of the company. Jobs and Amelio returned to Apple to work on a temporary basis. An alliance with Microsoft was formed, which was a Mac version of the Microsoft office software. Apple discontinued the cloning license from Power Computing to protect the company’s market share. In 1998 Apple introduced the Mac OS X, which is the company’s first server software. The company also enhanced the iMacs with a colorful product line.

Plastic money: Indian Experience Essay

Introduction to Plastic Money Plastic money or polymer money, made out of plastic, is a new and easier way of paying for goods and services. Plastic money was introduced in the 1950s and is now an essential form of ready money which reduces the risk of handlings a huge amount of cash. It includes Debit cards, ATMs, smart cards, etc. Credit cards, variants of plastic money, are used as substitutes for currency. see more:what is plastic money MEANING Plastic money refers to credit cards, we use them whenever we want and pay later (with interest, of course). It makes it too easy for us to buy things we normally could not afford, which makes it easier to get into debt. DEFINITION A slang phrase for credit cards, especially when such cards used to make purchases. The â€Å"plastic† portion of this term refers to the plastic construction of credit cards, as opposed to paper and metal of currency. The ―money† portion is an erroneous reference to credit cards as a form of money, which they are not. Although credit cards do facilitate transactions, because they are a liability rather than an asset, they are not money and not part of the economy’s money supply. The History Of Credit Cards and Debit Cards InPlastic Money Credit cards have evolved into a safe and secure manner to purchase goods and services. The Internet has given credit card users additional purchasing power. Banks have options like cash-back rewards, savings plans and other incentives to entice people to use their cards. Debit cards allow people the convenience of cards without the worry of racking up debt. The convenience, security and rewards offered by credit and debit cards keep shoppers using their cards as opposed to checks or cash. Credit Card Origins The first credit cards were issued by individual stores and merchants. These cards were issued in limited locations and only accepted by the businesses that issued them. While the cards were convenient for the customers, they also provided a customer loyalty and customer service benefit, which was good for both customer and merchant. It was not until1950 that the Dinner’s Club card was created by a restaurant patron who forgot his wallet and realized there needed to be an alternative to cash only. This started the first credit card specifically for widespread use, even though it was primarily used for entertainment and travel expenses. Plastic Becomes the Standard The first Diner’s Club cards were made out of cardboard or celluloid. In 1959 American Express changed all that with the first card made of plastic. American Express created a system of making an impression of the card presented at the register for payment. Then that impression was billed to the customer and due in full each month. Several American Express cards still operate like this as of 2010. It was not until the late 1980s that American Express began allowing people to pay their balance over time with additional card options. Bank Card Associations In 1966, Bank of America created a card that was a general purpose card or â€Å"open loop† card. These â€Å"closed loop† agreements limited cards like Diners Club and American Express to certain merchants, unlike the new† open loop† cards. The new general purpose system required interbank cooperation and additional regulations. This created additional safety features and began building the credit card system of today. Two systems emerged as the leaders–Visa and Master Card. However, today there is little difference between the two and most merchants accept both card associations. Debit Cards Emerge The Visa association of cards took credit cards to a new level in 1989 when they introduced debit cards. These cards linked consumers to their checking accounts. Money was now drawn from a checking account at the point of sale with these new cards and replaced check writing. This helped the merchants check that money was available and made it easier to track the customer if the funds could not be obtained. Consumers liked the convenience of not having to write checks at the point of sale, which made debit cards a safe alternative to cash and checks. The Future There were almost 29 million debit card users as of 2006, with a projected 34.4 million users by 2016. However, online services like Pay Pal are emerging as a way for people to pay their debts in new, secure and convenient ways. Technology also exists to have devices implanted into phones, keys and other everyday devices so that the ability to pay at the point of sale is even more convenient. TYPES OF PLASTIC MONEY Different types:- Credit card A credit card is plastic money that is used to pay for products and services at over 20 Million locations around the world. All you need to do is produce the card and sign a charge slip to pay for your purchases. The institution which issues the card makes the payment to the outlet on your behalf; you will pay this ‘loan’ back to the institution at a later date. In short†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ Cashless payment with a set spending limit Payment takes place after the purchase Great flexibility thanks to installment facility Most well-known credit cards: American Express, MasterCard, Visa Debit card Debit cards are substitutes for cash or check payments, much the same way that credit cards are. However, banks only issue them to you if you hold an account with them. When a debit card is used to make a payment, the total amount charged is instantly reduced from your bank balance. Don’t borrow on your credit card! Here’s why A debit card is only accepted at outlets with electronic swipe-machines that can check and deduct amounts from your bank balance online. In short †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. Card is linked to the cardholder’s bank account Transaction is directly Debited immediately from bank account No credit or installment facility Most well-known debit cards: Maestro, Postcard Charge card A charge card carries all the features of credit cards. However, after using a charge card you will have to pay off the entire amount billed, by the due date. If you fail to do so, you are likely to be considered a defaulter and will usually have to pay up a steep late payment charge. When you use a credit card you are not declared a defaulter even if you miss your due date. A 2.95 per cent late payment fees (this differs from one bank to another) is levied in your next billing statement. In short Cashless payment without a set spending limit Payment takes place after the purchase No credit or installment facility Most well-known charge cards: American Express, Diners Club Amex card Amex stands for American Express and is one of the well-known charge cards. This card has its own merchant establishment tie-ups and does not depend on the network of MasterCard or Visa. Credit cards: Remember these dos and don’ts. This card is typically meant for high-income group categories and companies and may not be acceptable at many outlets. There are a wide variety of special privileges offered to Amex cardholders. Dinner club card Diners Club is a branded charge card. There are a wide variety of special privileges offered to the Diners Club card holder. For instance, as a cardholder you can set your own spending limit. Besides, the card has its own merchant establishment tie-ups and does not depend on the network of MasterCard or Visa. However, since this card is typically meant for high-income group categories, it may not be acceptable at many outlets. It would be agood idea to check whether a member establishment does accept thecard or not in advance. Global card Global cards allow you the flexibility and convenience of using a credit card rather than cash or travelers cheque while traveling abroad for either business or personal reasons. Co-branded card Co-branded cards are credit cards issued by card companies that have tied up with a popular brand for the purpose of offering certain exclusive benefits to the consumer. A debit card with a difference For example, the Citi-Times card gives you all the benefits of a Citibank credit card along with a special discount on Times Music cassettes, free entry to Times Music events, etc. Master card & Visa MasterCard and Visa are global non-profit organizations dedicated to promote the growth of the card business across the world. They have built a vast network of merchant establishments so that customers worldwide may use their respective credit cards to make various purchases. Smart card A smart card contains an electronic chip which is used to store cash. This is most useful when you have to pay for small purchases, for example bus fares and coffee. No identification, signature or payment authorization is required for using this card. The exact amount of purchase is deducted from the smart card during payment and is collected by smart card reading machines. No change is given. Currently this product is available only in very developed countries like the United States and is being used only sporadically in India. Photo card If your photograph is imprinted on a card, then you have what is known as a photo card. Doing this helps identify the user of the credit card and is therefore considered safer. Besides, in many cases, your photo card can function as your identity card as well. Customer card/store card (PLCC) Card with payment and credit function can only be used at specific retailers Well-known customer cards: my One, Globus, Media Markt. Prepaid card/gift card Card is topped up with credit before use No credit or installment facility Open system (American Express, Visa, MasterCard) or closed system (can only be used at specific retailers) CREDIT CARD INTRODUCTION A credit card is a small plastic card issued to users as a system of payment. It allows its holder to buy goods and services based on the holder’s promise to pay for these goods and services. The issuer of the card grants a line of credit to the consumer or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user. Usage of the term â€Å"credit card† to imply a credit card account is a metonym. When a purchase is made the user would indicate consent to pay by signing a receipt with a record of the card details and indicating the amount to be paid. Issuer agrees to pay the merchant and the credit card user agrees to pay the card issuer. DEFINITION The credit card can be defined as â€Å"A small plastic card that allows its holder to buy goods and services on credit and to pay at fixed intervals through the card issuing agency. MEANING A credit card is a card or mechanism which enables card holder to purchase goods, travels and dine in a hotel without making immediate payments. The holders can use the cards to get credit from banks up to 45days.The credit card relieves the consumers from the botheration of carrying cash and ensures safety. It is a convenience of extended credit without formality. Thus credit card is a passport to, â€Å"safety, convenience, prestige and credit. ADVANTAGES & DISADVANTAGES OFCREDIT CARD ADVANTAGES OF CREDIT CARD The benefits of credit card can be grouped as follows: (A) BENEFITS TO THE BANK a) A credit card is an integral part of banks major services these days. The credit card provides the following advantages to the bank: the system provides an opportunity to the bank to attract new potential customers. b) To get new customers the bank has to employee special trained staff. This gives the bank an opportunity to find the latent talent from among existing staff that would have been otherwise wasted. c) The more important function of a credit card, however, is simply to yield direct profit for the bank. There is a scope and a potential for a better profitability out of income / commission earned from the traders turn over. d) This also provides additional customer services to the existing clients. It enhances the customer satisfaction. e) More use by the car holder and consequently the growth of banking habits in general. f) Better network of card holders and increased use of cards means higher popularity and image of the bank. g) Savings of expense on cash holdings, i.e . stationery, printing and man power to handle clearing transactions while considerably is reduced. It increases. (B) BENEFITS TO CARD HOLDER The principal benefits to a card holder are: a) He can purchase goods and services at a large number of outlets without cash or cheque. The card is useful in emergency, and can save embarrassment. b) The risk factor of carrying and storing cash is avoided. It is convenient for him to carry credit card and he has trouble free travel and may purchase his without carrying cash or cheque. c) Months purchases can be settled with a single remittance, thus, tending to reduce bank and handling charges. d) The card holder has the period of free credit usually between 30-50 days of purchase. e) Cash can usually be obtained with the card, either on card account or by using it as identification when encasings a cheque at the bank. f) Availing credit with minimum formality. g) The credit card saves trouble and paper work to traveling business man. (C) BENEFITS TO THE MERCHANT ESTABLISHMENT The principal benefits offer credit card to the retailer is a) This will carry prestigious weight to the outlets. b) Increases in sale because of increased purchasing power of the card holder due to unbilled credit available to the card holder. c) The retailers gain from the impulse buying and trading up the tendency to buy the bigger or better article. d) Credit card ensures timely and certainly of payments. e) Suppliers/sellers no longer have to send reminders of outstanding debits. f) Systematic accounting since sales receipts are routed through banking channels. g) Advertising and promotional support on national scale. h) Development of prestigious clientele base. DISADVANTAGES OF CREDIT CARD The following are the common disadvantages of the credit card: a) Some credit card transactions take longer time than cash transactions because of various formalities. b) The customer tends to overspend out of immerse happiness. c) Discounts and rebates can rarely be obtained. d) The cardholder is responsible for charges due to loss or theft of the card and the bank may not be party for loss due to fraud or collusion of staff, etc e) Customers may be denied cash discount for payment through card. f) It might lead to spending habits and cardholders may end up in big debts i) Avoid the entire cost and security problem involved in handling cash. j) Losses to bad debts and reduced an additional liquidity is. k) It also allows him to delegate spending power to add on members. l) Credit card is considered as a status symbol. Parties Involved Cardholders: The holder of the card used to make a purchase, the consumers. Card-issuing Bank: The financial intuition or others organisations that issued the credit card to the cardholder. Acquiring bank: The financial institution accepting payment for the products or services on behalf of the merchant. Merchant Accounts: This could refer to the acquiring bank or the independent sales organization, but in general is organization that the merchants deal with. Credit Card Association: An association of card-issuing banks such as Discover, Visa, MasterCard, American Express, etc. that set transaction terms for merchants, card –issuing banks, and acquiring banks Transaction network: The system that implements the mechanics of electronics transaction. May be operated by an independent company, and one company may operate multiple networks. Affinity Partner: Some institutions lend their names to an issuer to attract customers that have a strong relationship with that institution, a nd get paid a fee or a percentage of the balance for each card issued using their name. Insurance Providers: Insurers underwriting various insurance protections offered as credit card perks. Transaction Steps Authorization: The cardholder presents the card as payment to the merchant and the merchant submits the transaction to the acquirer (acquiring bank). The acquirer verifies the credit card number, the transaction type and the amount with the issuer (Card-issuing back) and reserves that amount of the cardholders credit limit for the merchant. An authorization will generate  an approval code, which the merchant stores with the transaction. Batching: Authorized transactions are stored in â€Å"batches†, which are sent to the acquirer. Batches are typically submitted once per day at the end of the business day. If a transaction is not submitted in the batch, the authorization will say valid for a period determined by the issuer, after which the held amount will be returned to the cardholders available credit. Clearing and Settlement: The acquirer sends the batch transactions through the credit card association, which debits the issuers for payment and credited the acquirer. Essentially, the issuer pays the acquirer for the transaction. Funding: Once the acquirer has been paid, the acquirer pays the merchant. The merchant receives the amount totalling the funds in the batch minus the â€Å"discount rate†, â€Å"mid-qualified rate†, or â€Å"non-qualified rate† which are tiers of fees the merchant pays the acquirer for processing the transactions. Charge backs: A Chargeback is an event in which money in a merchant account is held due to a dispute relating to the transaction. Charge backs are typically initiated by the cardholder. In the event of charge backs, the issuer returns the transaction to the acquirer for resolution. The acquirer then forwards the chargeback to the merchant, who must either accept the chargeback or contest it. Costs Credit card issuers (banks) have several types of costs: Interest Expenses Operating Costs Charges offs or Bad Debts Rewards Fraud Promotion Revenues Offsetting the costs are the following revenues: Interchanges fee Interest on outstanding balance Over limit charges Fees charged to customers Late payments or overdue payments Charges that result in exceeding the credit limit on the card (whether done  deliberately or by mistake), called over limit fees Returned cheques fees or payment processing fees (e.g. phone payment fee) Cash advances and convenience cheques Transactions in a foreign currency. A few financial institutions do not charge a fee for this. Membership fees (annual or monthly), sometimes a percentage of the credit limit. Exchange rate loading fees. ADVANCTAGES OF PLAST MONEY Plastic is very useful in the building and construction, electronics (laptops wouldn’t work well if they were made from glass), packaging (glad wrap), transportation industries. Very easy to make – water bottles, plastic bags, pens, cups etc. The main advantages of plastic materials are also the reason why plastic is such a problem. It lasts forever and it is very cheap to make. When I say it last forever, I mean it does not biodegrade. There is a flotilla of plastic the size of Texas in the Pacific Ocean. It gradually photo-degrades into tiny pieces that enter the marine food chain. Plastic is good, light, strong and cheap to produce. There are many advantages to using plastic. It does not decompose but it can instead be recycled. This is done more easily than producing more plastic. Unlike aluminum cans, plastic bottles can be re-used and stored over and over again. Plastic is usually not breakable and it is see-through. It’s light-weight and odourless. Plastic comes from a natural resource (oil) but CAN’T be re-made into bottles (but they can be re-made into other items- WEIRD!) It takes a long time to break down†¦ Customer having poor credit worthiness can opt for debit card. Instant finalization of accounts less identification and scrutiny than personal checks, thereby making transactions quicker and less intrusive. A debit card may be used to obtain cash from an ATM or a PIN-based transaction atnoextracharge. DISADVANCTAGES OF PLAST MONEY it is a compound that is indestructible, even when it is melted the compound gas that is gives off is very harmful to our heath and environment; it weakens the ozone layer. Most plastic is produced from oil. The world is gradually running out of oil. Scientists are now developing plastics that are made from vegetable oil and other organic matter. This means that the plastic is more likely to be degradable, so it will be less of a problem in future. Another Disadvantage is pollution Plastic accumulation in the environment is a looming catastrophe. It is cheap but it is not easily disposable so it is in a lot of landfills. plastic bags can kill the marine animals and destroy the soil Limited to the existing funds in the account to which it is linkedÊ Banks charging over-limit fees or non-sufficient funds fees based upon pre-authorizations, and even attempted but refused transactions by the merchantÊ Lower levels of security protection than credit cardsÊ More prone to frauds. Plastic Fraud State-of-the-art thieves are concentrating on plastic cards. In the past,this type of fraud was not very common. Today, it is a big business for criminals. Plastic cards bring new convenience to your shopping and banking, but they can turn into nightmares in the wrong hands. This pamphlet describes credit and debit cards and some common schemesinvolving card fraud with tips to help you avoid them. The following are the types of frauds 1.Stolen Cards at the Office 2.Extra Copies of Charge Slips 3.Discarded Charge Slips 4.Unsigned Credit Cards 5.Loss of Multiple Cards 6.Strange Requests for Your PIN Numbers 7.Legitimate Cards 8.Altered Cards 9.Counterfeit Cards TECHNOLOGY AND INFRASTRUCTURE One of the most important features that Plastic Money offers is thetechnology associated with this business. Credit card businesses rely on very reliable and secure technology anddemands very Strong connectivity backbone. Although a third world country, with lot of insecurities and almost noinfrastructure, Pakistanhas no exception when it comes to credit card business. There is approximately 3000 Point of Sale Terminals (POST) presenton merchant’s sites connected with bank host system. Inter-city connectivity is accomplished through X.25 networks. Perhaps, it is the most important time in the history of Pakistan as the parameters of its Infrastructures are coming into existence. There is an immense need of reliable wide area connectivity and thismarket is so huge and lucrative that it can accommodate many moreindustry giant CASE STUDY What Happens in Credit Card Fraud Cases? The Basics A variety of crimes constitute credit card fraud. The term candescribe a person using a stolen credit card to purchase goods or services posing as the person named on the card. It can also describe illegally andfraudulently withdrawing funds from an account that is not yours. Identitytheft, which is the act of posing as an individual to make purchases, is oftenclassified together with credit card fraud. A victim of credit card fraud cansometimes see bank accounts emptied of all their funds or negative marksgoing on her credit report for things she had nothing to do with. Many banks will monitor transactions made with a credit card and alert the personnamed on the account of any potentially suspicious activity. This is to protect the bank or Credit Card Company just as much as it is to protect thecustomer. Investigation Exactly what happens during a credit card fraud case depends a great deal on the actions of the Credit Card Company or bank involved. If fraudulent transactions are proven to have been made on a person’s account but the amount of the transactions is lower than the cost of an investigate on the company can credit the money back to a person and then close the account to protect from further farm. If the amounts of fraudulent charges are so great that an investigation is warranted, the police will be notified. The credit card company can look at a list of the fraudulent charges and determine where they were made. At that point an officer can question witnesses and review security camera footage in an attempt to identify suspects. If a suspect isarrested he can be tried in a court of law. Felony Credit card fraud is considered a felony by the courts of the United States. As a result a person convicted of credit card fraud could face jail time (the exact amount of which depends on the extent of the crime). A felony conviction stays on a person’s record and can prevent the person from getting hired for a job. Having a felony on a criminal record will also take away a person’s eligibility in terms of running for public office. If a person who is not a natural- born citizen of the United States commits credit card51 fraud and is convicted of a felony the result could be being deported to their country of origin CONCLUSION 21STCentury banking has become wholly customer-driven &technology driven by challenges of competition, rising customer expectations & shrinking margins, banks have been using technology to reduce cost & enhance efficiency, productivity & customer convenienence. Technology intensive delivery channels like net banking, mobile banking, etc have created a win-win situation by extending great convenienence. &multiple options for customer. From educating customers about credit cards there is a need to educate them about the differentiating factors of the cards. Because visa and master card are advertising regularly and thereby increases awareness. The strategy should be to emphasize on its differentiating characteristics. They also need to identify potential customers and target those using mailers. As internet is growing at a fast rate the net users can be targeted by having interactive sites. The prospective company’s card personality could also be used in the home page to solve c ustomer queries in the ‘Best Possible Manner The Indian Plastic Money Journey Citibank and HSBC were the pioneers in the Indian credit card market in the 1980s. Over the next two decades, the number of players increased to more than ten in 2000. The credit card market registered a healthy annual growth rate of over 25% during 1987-2001†¦ While companies were putting in place various measures to address security issues, the debit card market was having a smooth run in India. After being introduced in the mid 1990s, debit cards acquired popularity  and user acceptance at a rapid pace. A major reason for the quick popularity gained by debit cards was the absence of the credit component that resulted in elimination of interest charges or monthly card bills†¦ Plastic Money: the Currency of Modern India Indian consumers have never had it so good. The soiled notes are definitely out. Carrying cash is no more `a pain in the neck’ as consumers are relying more on the `plastic card’ which gives them money on credit. Plastic money basically means debit cards and credit cards which is having a magnetic stripe, logo, signature of the cardholder made of plastic. Credit Cards have finally arrived in India. The card industry which is growing at the rate of 20% per annum is flooded with cards ranging from gold, silver, global, smart to secure†¦.the list is endless. From just two players in early 80s, the industry now houses over 10 major players vying for a major chunk of the card pie. Currently four major bishops are ruling the card empire—Citibank, Standard Chartered Bank, HSBC and State Bank of India (SBI). The industry, which is catering to over 3.8 million card users, is expected to double by the fiscal 2003. According to a study conducted by State Bank of India, Citibank is the dominant player, having issued 1.5 million cards so far. Stanch art follows way behind with 0.67 million, while Hongkong Bank has 0.3 million credit card customers. Among the nationalized banks, SBI tops the list with 0.28 million cards, followed by Bank of Baroda at 0.22 million. OBJECTIVE OF STUDY Primary objectives †¢To know the perception of people towards plastic money Secondary objectives †¢To know the importance of plastic money in the daily life of consumers’ W.R.T creditand debit cards. †¢To study the benefits of debit card and credit cards. †¢To find out the market leader among the various banks/companies issuing credit anddebit cards †¢To know the problems faced by respondents using plastic money. †¢To study the satisfaction level of consumers towards plastic money. NEED AND SCOPE OF THE STUDY Need of the study It is rightly said the plastic money is need of hour. People are using these cards on a vastscale. But after considering the review of literature it is seen the whole payment process of processing these cards is not safe and customer are facing many problems relating to plasticmoney. That’s why study is focused on consumer perception regarding the plastic money. Need of the study is to get to know about the comparative analysis of plastic money. Thereare many ethical issues and challenges in the market of plastic money which is required to bestudied. This study is concerned with the Seven perks of plastic money Convenience,Budgeting technology, Reputation boosting, Corporate might,Cops and robbers, The float,Openness,to negotiations.

Should Iraq Become a Democracy a Platonic Perspective Essay

Every once in a while it is a good idea to take a step back and question why we believe the things that we do. Reading Platos Republic reminded me of this, and forced me to re-evaluate my belief that everybody should be entitled to a democracy. Previously, I could not understand why such hostility came from other countries, especially Iraq, on the good and honorable act of the U.S. by freeing Iraq from a dictator. Additionally, Iraq is finally able to become a democracy, where the people decide how to run the country. In his Republic, Plato constructs a convincing argument about the evils and deterioration that result from such a permissive style of living. Similarly, many Iraqis have also spoken out against the fundamental†¦show more content†¦Plato further argues that human cravings do not have a natural limit, people live in excess. Ultimately this is the final step in the destruction of a society. Plato emphasizes that knowledge of natural limits is instilled by parents during childhood, but further practice is needed. He then specifies what natural limits are using an analogy. The analogy is meant to distinguish between necessary and unnecessary pleasures. An example of a necessary pleasure is food. The necessity of food is obvious, but since most of us enjoy eating when hungry, food is also a pleasure. These necessary pleasures are taught, and then implemented through practice. However, the unnecessary pleasures could be compared to foods that taste good, but rot in our stomach and eventually lead to sickness. But the justification is that eating regular food when we are hungry three times a day gets mundane; especially if we have the option to eat three more times in a day, thereby experiencing three more incidences of pleasure (559 b-c). Plato is comparing this mentality to a society built upon a foundation in which all citizens are entitled to a total equality of desires. He quotes, ...it looks as though anyone who wants to pu t a city in order, as we are doing, should probably go to a democracy, as to a supermarket of constitutions, pick out what ever pleases him, and establish that. (557Show MoreRelatedhistory of philosophy5031 Words   |  21 Pagestone, or spelling.You can assist by  editing it.  (April 2013) Philosophy Philosophers Aestheticians Epistemologists Ethicists Logicians Metaphysicians Social and political philosophers Traditions Analytic Continental Eastern Islamic Platonic Scholastic Periods Ancient Medieval Modern Contemporary Literature Aesthetics Epistemology Ethics Logic Metaphysics Political philosophy Branches Aesthetics Epistemology Ethics Logic Metaphysics Political philosophy Social philosophy