The Red Badge of Courage Essay -- English Literature Essays

The Red Badge of Courage The Red Badge of Courage, by Steven Crane, has been viewed as one of the best war books ever. It is a story that reasonably delineates the American Civil War through the eyes of Henry Fleming, a common ranch kid who chooses to turn into a trooper. Henry is resolved to turn into a legend, and the story discloses to Henrys journey from being a youthful quitter to turning into a courageous man. This journey is the great excursion from honesty to encounter. To start, the story begins with an enormous discussion between the troopers. One kid had heard gossip that the regiment would be proceeding onward to face a conflict the following day. A portion of the fighters concur with this kid. Others feel that their regiment will never go into a genuine fight. While watching this contention, Henry, the hero, concludes that he would prefer to go set down and think rather then participate in the warmed contention between the warriors. Henry, a straightforward homestead kid, is somewhat energized when he hears the gossip that they will be battling soon. It had consistently been a fantasy of his to battle in a war, and become a saint. Presently his fantasy was working out as expected. Henry starts to consider what life resembled before he entered the military, and recollects a few accounts of war he has gotten notification from old veterans. This flashback is compelling in demonstrating how his past encounters have influenced his considerations on war now. It is certain that he is worried about the possibility that that he won't have the option to withstand the weights of a war. He continues revealing to himself that on the off chance that he needs to turn into a saint and acknowledges he can not flee. He should stand out the fight with the remainder of his individual officers. While walking along, Henry sees the main body he has ever observed. He shows sorry for the man in light of the fact that the dead man had kicked the bucket in such helpless conditions. The spirits of his shoes were worn uncovered. At the point when Henry sees the cadaver, he starts to think about whether his officers really realize what they are doing. He imagines that the commanders are driving him directly into a snare and directly into the center of the adversary, the agitators. Henry manages his dread of fight by acting quiet and sure. He goes about as though he has been in a thousand fights, and whines about the strolling. It shows one of Henry’s guard systems and how he can utilize his egotism to shroud his honesty. Regiment 304 proceeds onward to fight the following day. Henry is getting exceptionally frightened, yet is too ... ...hello will be battling will be extreme, and the general is searching for save regiment. The pioneer feels that its absolutely impossible Regiment 304 will endure the fight alone, and calls the warriors ‘mule drivers’, imagining that they are moderate, and rather inept. At the point when Henry and Tom hear this, they are vexed. They are resolved to contend as energetically as possible, and with their entire existence. Henry and Tom substantiate themselves well in the fight. They take the confederate banner, and are both bold enough to go out on the field without weapons. After the regiment withdraws, the general perceives the two officers as amazingly daring, and remark that they are fit to be commanders themselves. This last activity is the thing that settles the development from honesty to encounter for Henry and Tom. They went into the war as meager young men, also, presently they are proceeding onward as men. They have both earned their red identifications of mental fortitude, just as the saint status they had longed for acquiring for eternity. All in all, The Red Badge of Courage is an incredible novel and I trust you will take an opportunity to understand it. Be that as it may, if The Red Badge of Courage isn't for you, Steven Crane has a lot increasingly incredible books

Factory Outlet vs Departmental Outlets

Client PERCEPTIONS OF FACTORY OUTLET STORES VERSUS TRADITIONAL DEPARTMENT STORES Dr. G. S. Shergill* Department of Commerce, Massey University, Albany Campus, Private Bag 102 904 NSMC, Auckland, NEW ZEALAND Ph: 0064 9 414 0800 x9466, Email: G. S. [emailâ protected] air conditioning. nz and Y. Chen Department of Commerce, Massey University, Auckland, NEW ZEALAND, Email: [emailâ protected] com CUSTOMER PERCEPTIONS OF FACTORY OUTLET STORES VERSUS TRADITIONAL DEPARTMENT STORES Abstract This paper inspects customers’ impression of two unique kinds of retail locations; production line outlet stores and conventional retail chains; just as their buying inclinations. What's more, the paper analyzes these inclinations across socioeconomics. It investigates four basic variables which altogether impact customers’ impression of the two kinds of retail location. Discoveries are base on a shopping center block study with 205 respondents over a scope of socioeconomics. The outcomes show that manufacturing plant outlet stores are seen as having relatively lower costs and alluring advancements in contrast with conventional retail establishments, while customary retail establishments have upper hands as far as the other three components. Likewise it is discovered that diverse segment qualities assume a significant job in affecting contrasts in client observations in regards to the various kinds of stores. The principle ramifications of these discoveries is that industrial facility outlet stores are seen well and that they have to fabricate increasingly positive showcasing methodologies likewise. Catchphrases Factory outlet stores, Traditional retail establishments, Customer inclinations. These days, an expanding number of clients pick plant outlet stores as their elective shopping places, as opposed to proceeding to shop at conventional retail chains. Since client steadfastness is getting increasingly significant for advertisers in accomplishing deals execution objectives (Kulpa, 1998), this expansion in the utilization of manufacturing plant outlet stores as an elective decision represents a critical test to conventional retail chains. This situation implies that the opposition between these distinctive retail channels has gotten very serious. An industrial facility outlet store is possessed and worked straightforwardly by a maker to sell just its image of product, though a conventional retail chain doesn't make items itself yet rather sells an assortment of items made by free firms (Meyers, 1995). In a processing plant outlet store, the maker has full authority over the item offering, in-store client care and the quality and cost of the item sold, just as the physical properties of the store. Customary retail chains are possessed 1 and worked autonomous of makers. Makers of the items sold at these stores have constrained authority over in-store client support, costs of the items sold and the physical traits of the stores. At first industrial facility outlet stores were set up to offer finish of-line products and seconds at the most reduced potential costs (Lombart, 2004). Accordingly it was basically clients in lower financial gatherings who were eager to purchase through this channel. These outlets have started, be that as it may, to be bit by bit acknowledged by more clients, to a limited extent because of exceptional yearly deal advancements which started during the 1980s (Lombart, 2004). Also, customers’ expanding esteem cognizance has animated the advancement of manufacturing plant outlet stores. This has particularly been the situation in the United States, where there are more than 10,000 plant outlet stores now in activity (Meyers, 1995). These days, manufacturing plant outlet stores which give a similar scope of brand name stock draw in an ever increasing number of clients, and have formed into grandstands in much a similar structure as that of customary retail establishments (Fernie and Fernie, 1997). It is hazy, in any case, regardless of whether client impression of plant outlet stores versus customary retail chains may vary when all is said in done and across socioeconomics, just as how such contrasts might be seen. The discoveries will help advertisers, especially those utilized by producers, in understanding the manners by which clients see both conventional retail chains and manufacturing plant outlet stores. This understanding will permit such advertisers to set increasingly reasonable client situated promoting techniques and business destinations, accomplish unrivaled money related execution and build up their showcasing execution in the retail business. The fundamental goal of this paper is to investigate customers’ view of these various sorts of retail locations, just as their buying inclinations. Furthermore, the paper analyzes client inclinations across socioeconomics with respect to customers’ view of manufacturing plant outlet stores and conventional retail chains. The paper contains five segments. Following the presentation is an outline of writing, summing up past examinations, and sets the speculations to be tried. The following two 2 areas manage inquire about philosophy, information examination and discoveries. Ends and suggestions are examined in the last area. Writing REVIEW Factory outlet stores versus Customary retail establishments Factory outlet stores An expanding number of plant outlet stores have been worked for different reasons. A portion of these stores have been made to manage seconds’ items, some are introduced as rebate stores related with new conveyance channels, and some have been planned by makers so as to lessen the cost of their items through investment funds on overhead costs (Parker et al. , 2002). This last explanation has been sought after so as to draw in increasingly present and potential clients in cost situated and cost delicate markets and fulfill customers’ shifting needs and needs (Parker et al. , 2002). At first, the industrial facility outlet store was distinguished and set up as an off-value retailer (Joshi, 2003). Universally, particularly in Europe, manufacturing plant outlet stores were fabricated and created for four essential reasons: to sell limited items; to lessen overhead expenses and complete deals advancements; to make adaptability of stock running; and to accomplish brand advancement (Joshi, 2003). The jobs and elements of production line outlet stores have changed altogether in the course of recent decades. They are not, at this point structured distinctly as low value stores, but on the other hand are utilized for marked item advancements, particularly in Europe and the US. For instance, producers of the Reebok, Levi, Gap and Warnaco brands respect their image advancement to be one of the key elements of their processing plant outlet stores (Joshi, 2003). Industrial facility outlet stores have additionally been structured as explicit seconds stores and markdown stores, and are situated in a considerable lot of Japan’s significant urban communities (Joshi, 2003). There has been a 62% expansion in industrial facility outlet stores since 1990 and the pattern is for this expansion to proceed (Rudnitsky, 1994). Manufacturing plant outlet stores have been created utilizing unique styles by including some particular qualities of ordinary strip malls so as to furnish items with appealing costs and a restful shopping condition for most cost arranged clients (Golub and Winston, 1983). 3 Nowadays, the industrial facility outlet stores are regularly perceived as â€Å"†¦ increasing a bigger piece of the pie through cost decreases, which are planned for catching the mass market† (Hellofs and Jacobson, 1999, p. 3). In this manner, the processing plant outlet stores need to build up their degree of consumer loyalty and guarantee that the items sold in these stores are of a sensible quality in contrast with the recently assembled brand pictures (Parker et al. , 2002). In general, the pattern in processing plant outlet store advancement is very a cceptable. For instance, as indicated by a review talked about in Happy Campers at Outlets (Rauch, 2005), around 84% of respondents concurred that the costs in these stores met, and even surpassed, their desires. Likewise, almost 93% of the respondents demonstrated their aim of making an arrival visit (Rauch, 2005). In synopsis, the improvement of processing plant outlet stores is fast. They are viewed as offering sensible and lower costs than customary retail chains, and a vastly improved shopping condition and climate than any time in recent memory. Hence, the business exhibitions accomplished by industrial facility outlet stores are acceptable, tending towards positive upkeep and a consistent increment in this sort of store. Conventional Department Stores Nowadays, customary retail chains are confronting a huge danger on the grounds that the quantity of buyers who shop at conventional retail chains is diminishing, in spite of the fact that the deals of these stores have expanded (Nasri, 1999). The quantity of clients who shop at conventional retail establishments has dropped pointedly (Li, 2003). This implies retail chains are in an imperiled circumstance, and are getting a decreasing part of the absolute retail deals. This circumstance has prompted a noteworthy lessening in the quantity of retail chains (Li, 2003). Customary retail chains are seen by clients as assuming an unmistakable style job and offering a scope of exceptional design stock with sensible costs, elevated levels of client care and an open to shopping climate 4 (Johnson, 1994). Clients are all the more ready to go into, and buy items in, customary retail establishments, which offer more fervor and enthusiastic connection than do outlet stores. Accordingly customary retail establishments will in general be created to make and fulfill different requests of clients of various ages and with varying view of style patterns (Facenda, 2005). This could be an upper hand which conventional retail chains can use to draw in and look after clients, just as increment piece of the pie as a viable protection against the danger introduced by manufacturing plant outlet stores. In outline, not at all like rebate stores, conventional d

Simple Organizational Skills Will Set You Apart From the Rest of Your Peers

Straightforward Organizational Skills Will Set You Apart From the Rest of Your Peers Photograph by Tim Gouw Accepting classes of any sort, gives you within data you need further in life concerning the subject of issue. Presently, the issue is that we as a whole go to classes and we overlook half of the exercise. Have you asked for what reason does it occur? All things considered, one of the principle reasons is on the grounds that you are presumably the sort of understudy (like the dominant part) that believes that taking notes is only an exercise in futility. Or on the other hand you will feel that tuning in to the talk is another exercise in futility. It’s genuine that we as a whole have various methods of learning and one thing won’t concern you as it would apply to someone else, yet the genuine is that you ought to have everything composed by one way or another. In the event that you have takes note of, the simple thing is to keep track on them by date and class. In the event that you have addresses (where you ought to be likewise taking notes-as I would like to think) at that point you can ask ‘authorization’ to record them, on the off chance that they offer you a positive response, at that point you simply need to put them again either by date or subjects. On the off chance that you don’t have a positive answer and recording isn’t permitted, of course notes will do. A few people make drawings and little funnies while in address, with visual cues (extravagant uh!). And afterward, missing courses or exercises is another issue. You either ‘didn’t know’ or you totally overlooked (this is normally the fundamental of reasons). Don’t you assume to have a timetable for this? At that point, you shouldn’t be feeling the loss of any of this. Now and again you will feel the weight of going to get exercises that occasionally get you exhausted and depleted yet reconsider, on the grounds that when you are learning, the premium ought to consistently be there. Once in a while you have the misfortune of having a no-such-a-decent instructor: well for this situation you ought to be searching for your own data around (and keep it sorted out). A few people need to see everything on paper, so you may need to print it (have a go at remaining the most biological conceivable). As I referenced once; recording yourself isn’t a poorly conceived notion. You can peruse to the recorder and tuning in at it while driving, resting or washing up. In the other hand, a little schedule will do. When seven days, you can design the ‘learning forms. For instance, you can timetable to retain ten action words and their tenses every week (I’m being delicate here-you ought to accomplish more than that). Before the month's over, you’ll know forty new action words in the language! Isn’t that magnificent? So you can prepare the normal outcomes. It couldn't be any more obvious, discipline takes nearer to the objective than simply wishing to be better. Something else is that the educator or teacher will be giving you the exercises inevitably, along these lines set up an organizer and spot at your home where you will for all time have everything accumulated, so you audit it later on schedule. Recollect that learning a language resembles getting into another life, and as another life it requires some investment to process. Now and again all the data you are getting may be overpowering however while having everything composed will invigorate you the to return to the exercises after your minds procedure it all and afterward you will see new things and will see the new abilities working for you. Shading coding is exceptionally useful. For instance, denoting your jargon sheets with a yellow line toward the side of your notes, green for the utilization of action words, blue for tuning in and pink (or red) for talking. On the off chance that you have it shading coded, at that point it will be anything but difficult to plan for a tests later on, since you will realize where to look when feeling a particular shortcoming. Recall that the school doesn’t make the understudy; rater the understudy makes the school. Check rundown will benefit you too! What's more, how would I know this? Since I love learning!

Transmission of Tuberculosis in Resource-Limited Settings - Free Essay Example

Tuberculosis is a deadly bacterial diseases that attacks the lungs and affects millions of people around the globe. In both HIV negative and positive populations, Tuberculosis remains one of the major global health problems, especially in poor and resource limited areas. According to 2012 report of WHO, there were 8.7 million new cases of TB and 1.4 million deaths throughout the world in 2011. Out of these TB deaths, 430,000 deaths occurred among HIV positive individuals. There is a strong link between TB and HIV, so one out of every 5 TB deaths occurs in HIV positive population (Kompala, Shenoi Friedland, 2013). In this article, the researchers studied the transmission of TB across resource limited areas of the world. First, they studied the transmission of TB in South Africa, where TB transmission is concomitant with HIV. Then, they studied the transmission of TB in Asia, Europe and America where TB transmission is not linked with HIV. The purpose of this research study was to investigate and find out the various transmission means of TB in different parts of the world with different environment, disease burden and other TB related factors. Basically, by adopting different ways and going across different areas of the world, they wanted to focus on the transmission means of TB; especially in the resource limited settings. With the help of this research, the researchers wanted to deeply investigate the mode of transmission of TB, so that they can use this information to educate people on how TB spreads and how can we stop the transmission of TB by adopting few safe measures (Kompala, Shenoi Friedland, 2013). The purpose of the study has clearly been stated. The researchers have stated that unrecognized TB transmission remains one the leading causes of continuous TB transmission that leads to many TB epidemics in poor and resource limited areas. They also have stated that in such resource limited areas, there is a shortage of adequate diagnostic, treatment, infection control and community care services. Therefore, the purpose of this study is to identify such weaknesses in different communities and to properly address them or make people aware, which in turn can lower the transmission of TB. The main target of the researchers was to educate the community healthcare workers and common people so that they can better know about the transmission risk of TB and can avoid making those mistakes, which they repeatedly have been making (Kompala, Shenoi Friedland, 2013). The article has a clear hypothesis that has been well stated by the researchers in the article. The hypothesis of this study is Many resource limited communities are at a high risk of TB transmission due to lack of proper awareness and unavailability of adequate healthcare services, and the healthcare workers in such areas are also at a great risk of getting infected with TB. From what was stated, the design of the study is based on the hypothesis. They choose some areas of South Africa where people were not aware of the transmission risk, nor do they have adequate healthcare and community care services, which could have helped them to better know about the transmission risks of TB; especially in a HIV positive community since they belong to an HIV positive community. The researchers found that in resource limited areas of South Africa there are insufficient government hospitals to accommodate the massive number of patients. So, in such areas people who visit hospitals for another re ason or the healthcare staff who work closely to such patients may get exposed to major risk of getting TB as there are a number of undiagnosed and untreated people with TB (Joshi, Reingold, Menzies Pai, 2006). Therefore, the healthcare workers in resource limited areas are also at a great risk of getting TB (Kompala, Shenoi Friedland, 2013). The result of the studies support the hypothesis. The authors have reviewed some studies that have shown similar trends as expressed by the hypothesis of the study. According to the results of this study, in developing countries, there are hundreds and thousands of potential TB affected individuals who often go undiagnosed and untreated due to lack of awareness of the transmission mode and unavailability of diagnostic, clinical, treatment and community services. Similarly, there are so many healthcare workers who may have a latent or undiagnosed TB infection that they may not be aware of. This is a common scenario in most of the resource limited settings or areas of the world. The researchers have not used any figures or graphs for this study. Throughout this article, the researchers have discussed the results of this study by conducting some original research in South Africa, and have reviewed the results of some other similar studies (Kompala, Shenoi Friedland, 2013). This article is clearly related to Bio 111 course as it is about a widespread bacterial disease TB. Moreover, in this study, the researchers have discussed details about the causative agent of the disease, disease cycle, and its global impact, how it is transmitted from one person to another or from one area to another. Furthermore, they have also mentioned why this disease is more common in resource limited areas, how to overcome the transmission of this disease, and how to control it. Knowing about any disease and its mode of transmission is all related to life, and biology is all about life. As human beings, people should be aware of the different diseases, how they spread and how to control them to achieve a disease free healthy life, which is the premise of Biology. Understanding the nature of Bacteria and how it affects our everyday lives is one of the key aspects to comprehending the Biology 111 course (Kompala, Shenoi Friedland, 2013). When it comes to what I have learned after reading this article, I can say that I have learned a lot about TB, its causative agent, how it gets transmitted, and how we can control the transmission of TB. Another area where I got a lot of interesting knowledge is why TB is so common in underdeveloped and developing nations. Moreover, its transmission is higher in resource limited areas because of the lack of awareness among people. In addition, the unavailability of adequate diagnostic clinical treatment and community care services in such areas contribute to large portion of transmission. I also learned that in resource limited areas where there is a shortage of Government hospitals and healthcare facilities, healthcare workers and people who live close to infected individuals could be at a greater risk of getting TB. In such hospital settings, hundreds of people with undiagnosed and untreated TB can spread the disease without even knowing about it. This article also helped me learn if people recognize the transmission mode of TB. Lastly, we can try to control its transmission to decrease widespread disease and easily lower the number of TB cases throughout the world; especially in the resource limited settings (Kompala, Shenoi Friedland, 2013). Works Cited Kompala, T., Shenoi, S., Friedland, G. (2013). Transmission of Tuberculosis in Resource-Limited Settings. Current HIV/AIDS Reports, 10(3), 264-272. doi: 10.1007/s11904-013-0164-x Joshi, R., Reingold, A., Menzies, D., Pai, M. (2006). Tuberculosis among Health-Care Workers in Low- and Middle-Income Countries: A Systematic Review. Plos Medicine, 3(12), e494. doi: 10.1371/journal.pmed.0030494 (2018). Retrieved from http://www.who.int/tb/publications/global_report/gtbr12_main.pdf

Database Data Management and Ref - 2448 Words

Chapter 1: Database Systems TRUE/FALSE 1. Data and information are essentially the same thing. ANS: F PTS: 1 REF: 5 2. Data processing can be as simple as organizing data to reveal patterns. ANS: T PTS: 1 REF: 6 3. We are now said to be entering the â€Å"knowledge age.† ANS: T PTS: 1 REF: 6 4. Information implies familiarity, awareness, and understanding knowledge as it applies to an environment. ANS: F PTS: 1 REF: 6 5. Data constitute the building blocks of information. ANS: T PTS: 1 REF: 7 6. Metadata present a more complete picture of the data in the database than the data itself. ANS: T PTS: 1 REF: 7 7. The only way to access the data in a database is through the DBMS. ANS: T PTS: 1 REF:†¦show more content†¦|a. |Queries |c. |Metadata | |b. |End-user data |d. |Information | ANS: C PTS: 1 REF: 7 6. The ____ serve(s) as the intermediary between the user and the database. |a. |DBMS |c. |end-user data | |b. |metadata |d. |programming language | ANS: A PTS: 1 REF: 7 7. The database structure in a DBMS is stored as a ____. |a. |file |c. |set of key/value pairs | |b. |collection of files |d. |collection of queries | ANS: B PTS: 1 REF: 7 8. A(n) ____ might be written by a programmer or it might be created through a DBMS utility program. |a. |query |c. |database management system | |b. |operating system |d. |application program | ANS: D PTS: 1 REF: 7 9. ____ exists when differentShow MoreRelatedDivision of Commerce: Information Management991 Words   |  4 PagesCOURSE OUTLINE |Module Code |CM20119 | |Module Title |INFORMATION MANAGEMENT | |Course Examiner: Dr. Jack Yeung |Office: AC2-5418 Main Campus | | Read MoreMultiview Methodolgy1324 Words   |  6 Pagesindependent tasks. It focuses on organisational goals and aims to further them by integrating the system in accordance to the people that work within the establishment. Reference: Ref: http://citeseer.ist.psu.edu/rundensteiner92multiview.html Applying Multiview to Next Plc The Multiview Framework Ref: www.cms.livjm.ac.uk/CMSALAWS/PAGES/fldr/bsa7.doc The Multiview framework shows five (5) views that denote all characteristics required to facilitate user requirements for the ISRead MoreThesis Computerized Grading System1649 Words   |  7 PagesObjectives of the System Chapter 2. System Design Specification 2.1 High Level Design 2.2 Full Implementation of the Project 2.3 Database Design 2.4 Table Description of the Database Chapter 3. System Requirements Specifications Hardware Requirements 3.2 Software Requirements 3.3 Human Resource Requirements Chapter 4. Conclusion and Recommendation Appendices: A. Project Management Plan Phase1. Identification Phase2. Specification Phase3. High Level Design and Project Plan B. Screen Layouts and DesignRead MoreIntro to Information Systems11970 Words   |  48 Pagestheir platforms to develop Web-based applications, products, and services. ANS: C REF: Material following chapter opening case The modern business environment has all of the following characteristics except: A. global B. interconnected C. competitive D. relatively static E. real-time ANS: D REF: Material following chapter opening case _____ deal with the planning for – and the development, management, and use of – technology to help people perform their tasks related to informationRead MoreIntroduction to Systems Analysis and Design4579 Words   |  19 Pages | ANS: B PTS: 1 REF: 7 2. ____ software controls the flow of data, provides data security, and manages network operations. |a. |Enterprise |c. |Application | |b. |System |d. |Legacy | ANS: B PTS: 1 REF: 8 3. Examples of company-wide applications, calledRead MoreRelational Database Design And The No Sql Model As The Preferred Basis Of The New Application935 Words   |  4 Pagesrelational database design versus the no-SQL model as the preferred basis of the new application. The requirements to consider are: 1. Intensive Usage – Facebook has millions of users worldwide and produce billions of transactions. 2. Growth of the application is expected to be 10% per annum. 3.2 Definitions It is important to look at the key characteristics of these two different models in order to understand the conclusions of this report. 3.2.1 Relational Database Management SystemsRead MoreMultimedia Database : An Tool For Proper Organization Of Multimedia Entertainment2419 Words   |  10 Pagesmultimedia database, which is a fundamental tool for proper organization of multimedia entertainment. 2.0 INTRODUCTION Multimedia database is a powerful platform to organize and structure every day multimedia data. Traditionally, a database contains collection of data related to a given entity, while a database management system, or DBMS, is a collection of interrelated data with set of programs used to define, create, store, access, manage, and query the database. Today’s multimedia databases includeRead MoreKroenke Emis3 Tif Ce092246 Words   |  9 PagesIt is a database management system. B) It is used to create charts and graphs from data. C) It cannot be used to produce reports. D) It is a management information system. Answer: A Page Ref: 418 Difficulty: Easy AACSB: Use of IT Study Question: Study Question 1 2) A user can readily create data entry forms, queries, and sophisticated and professional reports with the help of ________. A) Microsoft Publisher B) Microsoft Access C) Microsoft Word D) Microsoft Excel Answer: B Page Ref: 418 Difficulty:Read MoreCOMPUTERS EXAM BANK 18589 Words   |  35 Pagesstatement or answers the question. ____ 1. A computer is a device that ____. a. accepts data b. stores data c. produces output d. All of the above ____ 2. ____ is an area of a computer that temporarily holds data that is waiting to be processed, stored, or output. a. Memory b. Storage c. Input d. Output ____ 3. A computer ____ is two or more computers or other devices that are connected for the purpose of sharing data and programs. a. Panel b. PDA (Personal Digital Assistant) c. Matrix d.network ____Read MoreMarketing Research Process8881 Words   |  36 PagesInsights 1) Which of the following demonstrates the real value of a companys marketing research and information system? A) the amount of data it generates B) the variety of contact methods it uses C) the efficiency with which it implements the research plans D) the quality of customer insights it provides E) the sampling plan it follows Answer: D Page Ref: 97 Difficulty: Moderate Chapter LO: 1 AACSB: Use of information technology Course LO: Describe the marketing research process

Islamic Banking and Finance free essay sample

Islamic banking, a financial innovation, has come to be seen as the most ‘visible’ aspect of Islamization. Notwithstanding its novelty, it has made considerable progress, measured by the rapidity with which it has been adopted in the Muslim (even non-Muslim) countries in a relatively short period of time. However, the progress made by Islamic banking is seen by some Muslim economists as more apparent than real because it is not being run exclusively (or even mostly) on the basis of the Sharicah-favored profit and loss sharing (PLS) principle; rather, the fixed-rate type of financial instruments, which are seen as a ‘deviation’ from the Islamic ideal, have proliferated. It is argued in this paper that there is no warrant whatsoever for this misplaced ‘financial puritanism’, which has obfuscated the subject and its manifestations. The fact of the matter is that, deviation or not, the fixed-rate financial instruments, duly approved by the Sharicah, form an integral part of Islamic banking; and that it would be counterproductive to limit the possibilities of this institution just to the PLS principle. We will write a custom essay sample on Islamic Banking and Finance or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Hence, respecting the preferences of the consumers, Islamic banks should aim to evolve a risk-minimizing ‘mixed’ investment portfolio, containing both the variable and fixed-rate of return types, without any ‘imperfection complex’. Even more important, rather than pursue an ambiguous financial ideal, which cannot be reached, the focus of the future reform. Should be to produce something strikingly original which can win the acknowledgement of the people. To this end. Islamic banking should be informed with an earnest knowledge of the ethical objectives of an Islamic economic system, the truth of which can be established only by the quality of social justice and the primacy it accords to the needs of the underclass in society. But as it was a mammoth task, the switchover plan was implemented in phases. The Islamization measures included the elimination of interest from the operations of specialized financial institutions including HBFC, ICP and NIT in July 1979 and that of the commercial banks during January 1981 to June 1985. The legal framework of Pakistans financial and corporate system was amended on June 26, 1980 to permit issuance of a new interest-free instrument of corporate financing named Participation Term Certificate (PTC). An Ordinance was promulgated to allow the establishment of Mudaraba companies and floatation of Mudaraba certificates for raising risk based capital. Amendments were also made in the Banking Companies Ordinance, 1962 (The BCO, 1962) and related laws to include provision of bank finance through PLS, mark-up in prices, leasing and hire purchase. Separate Interest-free counters started operating in all the nationalized commercial banks, and one foreign bank (Bank of Oman) on January 1, 1981 to mobilize deposits on profit and loss sharing basis. Regarding investment of these funds, bankers were instructed to provide financial accommodation for Government commodity operations on the basis of sale on deferred payment with a mark-up on purchase price. Export bills were to be accommodated on exchange rate differential basis. In March, 1981 financing of import and inland bills and that of the then Rice Export Corporation of Pakistan, Cotton Export Corporation and the Trading Corporation of Pakistan were shifted to mark-up basis. Simultaneously, necessary amendments were made in the related laws permitting the State Bank to provide finance against Participation Term Certificates and also extend advances against promissory notes supported by PTCs and Mudaraba Certificates. From July 1, 1982 banks were allowed to provide finance for meeting the working capital needs of trade and industry on a selective basis under the technique of Musharaka. As from April 1, 1985 all finances to all entities including individuals began to be made in one of the specified interest-free modes. From July 1, 1985, all commercial banking in Pak Rupees was made interest free. From that date, no bank in Pakistan was allowed to accept any interest-bearing deposits and all existing deposits in a bank were treated to be on the basis of profit and loss sharing. Deposits in current accounts continued to be accepted but no interest or share in profit or loss was allowed to these accounts. However, foreign currency deposits in Pakistan and on-lending of foreign loans continued as before. The State Bank of Pakistan had specified 12 modes of non-interest financing classified in three broad categories. However, in any particular case, the mode of financing to be adopted was left to the mutual option of the banks and their clients. The procedure adopted by banks in Pakistan since July 1 1985, based largely on ‘mark-up’ technique with or without ‘buy-back arrangement’, was, however, declared un-Islamic by the Federal Shariat Court (FSC) in November 1991. However, appeals were made in the Shariat Appellate Bench (SAB) of the Supreme Court of Pakistan. The SAB delivered its judgment on December 23, 1999 rejecting the appeals and directing that laws involving interest would cease to have effect finally by June 30, 2001. In the judgment, the Court concluded that the present financial system had to be subjected to radical changes to bring it into conformity with the Shariah. It also directed the Government to set up, within specified time frame, a Commission for Transformation of the financial system and two Task Forces to plan and implement the process of the transformation. The Commission for Transformation of Financial System (CTFS) was constituted in January 2000 in the State Bank of Pakistan under the Chairmanship of Mr. I. A. Hanfi, a former Governor State Bank of Pakistan. A Task Force was set up in the Ministry of Finance to suggest the ways to eliminate interest from Government financial transactions. Another Task Force was set up in the Ministry of Law to suggest amendments in legal framework to implement the Court’s Judgment. The CTFS constituted a Committee for Development of Financial Instruments and Standardized Documents in the State Bank to prepare model agreements and financial instruments for new system. The CTFS in its Report identified a number of prior actions, which were needed to be taken to prepare the ground for transformation of the financial system. It also identified major Shariah compliant modes of financing, their essentials, draft seminal law captioned ‘Islamization of Financial Transactions Ordinance, 2001’, model agreements for major modes of financing, and guidelines for conversion of products and services of banks and financial institutions. The Commission also dealt with major products of banks and financial institutions, both for assets and liabilities side, like letters of credit or guarantee, bills of exchange, erm finance certificates (TFCs), State Banks Refinance Schemes, Credit Cards, Interbank transactions, underwriting, foreign currency forward cover and various kinds of bank accounts. The Commission observed that all deposits, except current accounts, would be accepted on Mudaraba principle. Current accounts would not carry any return and the banks would be at liberty to levy service charge as fee for their handling. The Commission also approved the concept of Daily Product and Weightage System for distribution of profit among various kinds of liabilities/deposits. The Report also contained recommendation for forestalling willful default and safeguarding interest of the banks, depositors and the clients. According to the Commission, prior/preparatory works for introduction of Shariah compliant financial system briefly included creating legal infrastructure conducive for working of Islamic financial system, launching a massive education and training program for bankers and their clients and an effective campaign through media for the general public to create awareness about the Islamic financial system. The Finance Minister of Pakistan in his budget speech for the FY02 declared the following: â€Å"Government is committed to eliminate Riba and promote Islamic banking in the country. For this purpose a number of steps are under way which are: 1. A legal framework is designed to encourage practice of Islamic banking by banks and financial institutions as subsidiary operations of their main operations; 2. Consultations and exchanges are undertaken with brother Islamic countries and renowned institutions of Islamic learning such as Middle Eastern countries and Al-Azhar University of Egypt, to learn more about their experiences and practices;

Health Topics In Essay Writing

Health Topics In Essay WritingHealth topics are more often used in essay writing for college and university students and this is because they are an excellent place to get some ideas. You can use arguments that are based on real life issues in order to make your essay seem more unique.The first reason that it is often a good idea to write about health topics in essay writing is that they have so many topics that are unique to them. This means that you can use many different opinions to get your point across.It also means that if there is one topic that you think is the most important, then all of the other topics are going to be related to it. For example, if you were to write about a disease that is popular among teens in today's society, then it would have more health topics in relation to it than other diseases. Therefore, you will have a more unique essay.Another reason that health topics are very effective is that you will be able to link it into other topics that you may alread y know. By being able to apply topics from another school of thought into your essay, you will be able to gain credibility by using words that you know are related to the topic.Another great reason to use health topics in essay writing is that you will be able to write in a much more personal way than usual. This will allow you to be able to craft a persuasive argument in a way that will appeal to readers.Writing an essay is a lot of work but if you can do it well, then you will gain credibility in the eyes of your peers. In addition, if you are successful at writing a well written essay on health, then your grades will be better because you will be able to use your writing skills in a way that others may not be able to.The final reason why it is often a good idea to use health topics in essay writing is that the topics are not only easy to write about, but the topic itself is always new. Therefore, if you are able to do this, then you will never become bored with the topic.These ar e just a few reasons why it is a good idea to use health topics in essay writing. However, if you would like to learn even more, then you can use my essay topic directory which will give you links to a number of useful websites.