...Amber Wells Ac 1010637 Assignment 7 English Comp II 7/7/2013 Online Shopping Vs. Traditional Shopping Humans have several different beloved past times such as sports, vacations and entertainment. One of the oldest and most enduring is shopping which encompasses shopping for necessity and shopping for pleasure. Advancements in technology have allowed humanity to purchase items online through the Internet. The purpose of this essay is to compare and contract shopping online to traditional shopping. At the end of the essay you can decide which method is best for you. Traditional and online shopping allow the consumer to view the items; however, not all online websites allow the consumers to get a panoramic view. Visual appeal is one of the important aspects of attracting potential buyers but if they can’t see the item from all sides this may hinder the purchase. Traditional and online shopping provides the consumer with information about the products. In the traditional arena the customer can talk with the sales clerk and get information about the products right in the store. Online the customer has at least three ways to collect information about the product: (1) product description, (2) product reviews and (3) toll free numbers to the customer service line associated with the websites. Traditional shopping and online shopping allow personal interaction; however, the levels are varied. Traditional shopping allows the consumer to build a relationship with...
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...The Effects of Mass Media on Adolescents Kelsey Wyatt Western Governors University Abstract This Paper contents reviews of several studies conducted on the effects of mass media on children and adolescents. Most of the research suggests that over exposure and unsupervised use of mass media outlets can alter the psychological development of children, as well as create anxieties in adolescents. All of the researched reviewed examines the effects of all media other than book content. Research has shown that consuming too much mass media at a young age can alter the social and psychological structure of adolescents. Mass media can even desensitize youth to unhealthy behavior and effect their education. One of the more noticeable changes in the 21st century has been the growing media consumption, availability and influence. A major consequence of this growing influence is the negative effect it can have on a children’s well-being. Parents no longer have to worry about the influence of “bad” friends but the “virtual” bad influence readily at the fingertips of their children. According to the U.S. census over 80% of adolescents own at least one form of media technology (Comer 2008). The use of this technology is increasing every year with text messages and social networking being an easy access to both youths and adults. A survey was conducted in 2010 by the Kaiser Family Foundation on daily media usage. The survey found that children 8 to 18 logged an average of 6 hour media...
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...Calling for quotation Sample 1 Write a letter calling for Quotation for some electronic equipment for your college electronics laboratory. Write to M/S Electro products Ltd., R.G.Road, Chennai – 33. Assume that you are the H.O.D of ECE department in NIT - Chennai-16 National institute of technology Chennai-16 Date…………. To M/S Electro products Ltd., R.G.Road, Chennai – 33. Dear Sir, Sub: calling for quotation – reg. We require the following items for our concern before 16-05-2013. The details of our requirement are given below. S.No. | Items | Quantity | 1. | Function generator | 2 Nos | 2. | Multi meter | 2 Nos | 3. | IC Chips LM 339 | 3 Nos | 4. | IC Chips LM 7400 | 3 Nos | 5. | Diode IN 4007 | 20 Nos | We request you to quote your lowest price with complete details and delivery date. If your rates are competitive we would place an order for the same. Thanking you Yours faithfully, (k.subash) Prof. & Head of ECE Calling for quotation Sample 2 Assume yourself to be the purchase officer Royal Foundations Pvt. Ltd., Write a letter calling for Quotation to buy certain computer peripherals from Alpha technologies Pvt. Ltd., 25,Gandhi Street, Chennai. 25 Royal Foundations Pvt. Ltd. Chennai-25 Date…………. To Alpha technologies Pvt. Ltd., 25,Gandhi Street, Chennai. 25 Dear Sir, Sub: calling quotation for computer peripherals – reg. We require the...
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...ENG102: English Composition II October 12, 2009 ASSIGNMENT 6A Outline: I. Introduction – Thesis statement. A. In “Everyday Use”, the issue of race is perceived and discussed differently in country and urban settings. B. “Two Kinds”, demonstrate that parents have no control over their children’s lives; both authors describe a childhood conflict they can only show them the right direction and let them make their own decisions. II. Body A. Jing-mei’s early life, works , later years of life 1. Jing-mei mother persists with piano 2. Jing-mei can be a prodigy too. 3. “Only one kind of daughter, obedient daughter.” B. Dee’s early life, works, later years of life. 1. Dee’s education 2. Dee’s considered herself as cultured 3. Dee is selfish and egotistical character with a superficial understanding of her inheritance. III. Conclusion A. Analytical summary 1. Jing-mei and Dee early life 2. Jing-mei and Dee works 3. Jing-mei and Dee Later years B. Thesis reworded C. Conclusion Statement. Although mother-daughter conflicts are to be expected, the central conflict in the aforementioned relationship is a battle of wills between Jing-mei and her mother and Dee and her mother. For example, even though Dee's mother believes that quilts are for everyday use, Dee believes that they are cultural artifacts that must be preserved. Dee in “Everyday Use” and Ms. Johnson, her mother have major conflicting views that...
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...Lisa Neumann Student ID # AC0700552 English Composition II EN130 Assignment #3 Process Analysis Essay 12/18/14 Page 1 How to prepare my favorite dish: Roast Pork Authentic Puerto Rican Style My all time absolutely favorite dish is Pernil ( pronounced perr-neel), translated from Spanish is Roast Pork Shoulder. Though it is a time consuming item to make, the recipe is fairly simple and the finished product, a succulent tasty Pork Shoulder, is very much worth the wait. Below I will advise of the preparation techniques and ingredients needed to make this mouth watering dish. This recipe will serve approximately 8 people. The approximate active preparation time is 20 minutes and the approximate inactive preparation time is about 5 hours 30 minutes, plus marinating time. I've also included the nutritional value per serving in this paragraph as well. (Serving size: 1 {229g}, servings per recipe 8, calories 896, calories from fat 612, cholesterol 268 mg, sodium 633 mg, carbohydrates 1g, dietary fiber 0.1g, sugars 0g, protein 65g). A time saving tip I use and like, is to gather ALL my ingredients first, and placed them in a nearby handy location, so they are all there and ready to use. Note that all the ingredients I use are from GOYA, with the exception of the salt and pernil, which is best gotten from your local butcher. If you don't have local butcher, a supermarket bought pork shoulder will do. The ingredients are listed below: * 1 skin on, bone in pork...
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...of SK-II 3 2.1 Strategy 3 2.2 Idea Generation 4 2.3 Screening 5 2.4 Concept development and testing 6 2.5 Business analysis 7 2.6 Product Development and Testing 8 2.7 Test Marketing 8 2.8 Commercial and launch 9 3.0 Critical Issue of SK-II 9 4.0 Conclusion 10 References: 12 1.0 Introduction The Procter & Gamble Company (P&G) is the world's top manufacturer that produces of household products courts market share and billion-dollar names. The company divided into three global units which are household care, beauty and grooming, and health and well-being. P&G also makes pet food, water filters and produces a soap opera. P&G's many famous brand are under P&G Multinational Corporation which included Febreze, Fusion, Always, Braun, Bounty, Charmin, Crest, Downy or Lenor, Gillette, Iams, Olay, Pampers, Pantene, Pringles, Tide, SK-II, and so on. Their market capitalization is greater than the GDP of many nations. They penetrate more than 180 nations of the world. Their purpose is to come out with the branded products and services of superior quality and value that improve the lives of the world’s consumer. In return, the consumer will reward the P&G with leadership sales, profit and value creation (P&G, 2011). SK-II is a one of the Procter & Gamble Beauty brand. This product has been launched in Japan market since 1980. SK-II can be considered as the one of the most expensive beauty brands in the world until today. SK-II history...
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...1453: The Battle of Castillon is the last engagement of the Hundred Years' War and the first battle in European history where cannons were a major factor in deciding the battle. * 1454–1466: After defeating the Teutonic Knights in the Thirteen Years' War, Poland annexes Royal Prussia. * 1455–1485: Wars of the Roses – English civil war between the House of York and the House of Lancaster. * 1456: The Siege of Belgrade halts the Ottoman's advance into Europe. * 1462: Sonni Ali Ber, the ruler of the Songhai (or Songhay) Empire, along the Niger River, conquers Mali in the central Sudan by defeating the Tuareg contingent at Tombouctou (or Timbuktu) and capturing the city. He develops both his own capital, Gao, and the main centres of Mali, Timbuktu and Djenné, into major cities. Ali Ber controls trade along the Niger River with a navy of war vessels. * 1462: Mehmed the Conqueror is driven back by Wallachian prince Vlad III Dracula at The Night Attack. * 1467: Uzun Hasan defeats the Black Sheep Turkoman leader Jahān Shāh. * 1467–1615: The Sengoku period is one of civil war in Japan. * 1469: The marriage of Ferdinand II of Aragon and Isabella I of Castile leads to the unification of Spain. * 1469: Matthias Corvinus of Hungary conquers some parts of Bohemia. * 1469: Birth of Guru Nanak Dev. Beside followers of Sikhism, Guru Nanak is revered by Hindus and Muslim Sufis across the Indian subcontinent. * 1470: The Moldavian forces under...
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...Capital Adequacy of Social Islami Bank Limited By Abdur Rahman Shible ID: 0720529 An Internship Report Presented in Partial Fulfilment of the Requirement for the Degree Bachelor of Business Administration (BBA) INDEPENDENT UNIVERSITY, BANGLADESH September 2012 Social Islami Bank Limited Page 1 Capital Adequacy of Social Islami Bank Limited By Abdur Rahman Shible ID: 0720529 Has Been Approved September 2012 ______________________ Mr. Abdullah Al Aabed Lecturer School of Business Independent University, Bangladesh. September 6, 2012 Social Islami Bank Limited Page 2 LETTER OF TRANSMITTAL Date: 6th September, 2012 Mr. Abdullah Al Aabed Lecturer School Of Business Independent University, Bangladesh Subject: Submission of Internship Report Dear Sir, I am hereby submitting my Internship Report, which is a part of the BBA Program curriculum. It is a great achievement to work under your active supervision. This advance working report is based on Capital adequacy of Social Islami bank Limited. I have got the opportunity to work in Social Islami Bank Limited for twelve weeks, under the supervision of Mr. Fazle Rabbi Talukder (Assistant Officer). This project gave me both academic and practical exposures. First of all I learned about the organizational culture of a prominent bank of the country. Secondly, the project gave me the opportunity to develop a network with the corporate environment. I shall be highly obliged if you are kind enough to receive this report and provide...
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...The Effects of Culture on International Banking Disclosures George Hooia* aGriffith University, Australia Abstract This paper investigates the influence of national culture on banking disclosures. Seventeen developed and developing countries with a representative sample of 37 listed domestic commercial banks were examined in 2004. Long-term orientation is found to be a non-significant cultural value with banking disclosures. The explanatory power for banking disclosures is found to be similar to the findings in Gray and Vint (1995) with a cross-section of industries. More importantly, this study recommends that long-term orientation should not be used as part of the cultural framework for disclosures due to bias data. Hence, Gray’s (1988) hypothesis on the secrecy / transparency dimension should be maintained with respect to the original four cultural values. JEL Classification: G21, M41, O57 Keywords: Culture, banking disclosures, transparency 1. Introduction The objective of this paper is to report on the empirical findings of the two research questions proposed by Hooi (2004) that may improve the Gray and Vint (1995) model of cultural influence on accounting disclosures. The first proposal was that extending the Gray and Vint study with the new inclusion of Hofstede and Bond’s (1988) cultural value of long-term orientation gives the opportunity to better understand the association between national culture and accounting disclosures. The second proposal...
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...A Survey analysis for the scopes of securitization in India Submitted By Group 8, Section 2 – Shitiz Singhal Shivam Goel Siddharth Sagar Subrat Singh Sumit Mittal Surya Kiran Sharma A Survey analysis for the scopes of securitization in India Introduction to securitization Financial sector’s primary role is intermediation between ultimate savers and ultimate investors. Initially, it was banks which were the intermediaries. As the financial sector evolved, other types of financial institutions came on the scene to undertake such intermediation directly, or between and among other intermediaries. A parallel development is the emergence of varieties of financial products, far removed from simple deposits and advances, delivering such intermediation. Securitization, as we all know, is among the latest of such intermediating product. Securitization is basically defined as a financial practice of taking illiquid assets and pooling various types of contractual debts like residential mortgage, commercial mortgages, auto loans, credit card debt obligations and selling them as securities to third party investors which may be described as bonds, pass-through securities, or collateralized debt obligations (CDOs). Securitization helps in diversifying the credit market as the process of lending and borrowing is broken into several discrete leading to economies of scale. Consider the case of a limited company and its financing advantages over a partnership firm. A partnership...
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...Internship Report Impact of Credit Rating on Corporate and Banking Sectors of Bangladesh A Study based on Ratings of Credit Rating Agency of Bangladesh Limited (CRAB) Exam Roll: 091127 Internship Report on Impact of Credit Rating on Corporate and Banking Sector of Bangladesh A Study based on Ratings of Credit Rating Agency of Bangladesh Ltd. (CRAB) Prepared For: Chairman Internship Placement Committee Prepared by: Exam Roll Number: 019927 Class ID: 892 4th year, 8th semester Batch Number: 18th, BBA Program Academic Session: 2008-09 Institute of Business Administration (IBA-JU) Jahangirnagar University, Savar, Dhaka 1342 Date: 16.02.2013 Letter of Transmittal February 16, 2013 Chairman Internship Placement Committee Institute of Business Administration Jahangirnagar University Savar, Dhaka 1342. Subject: Submission of Internship Report Dear Sir, It is an event of great pleasure for me to prepare and present the internship report on ‘Impact of Credit Rating on Corporate and Banking Sectors of Bangladesh: A Study based on Rating of Credit Rating Agency of Bangladesh Limited (CRAB)’ which is a requirement for the completion of BBA program. In this report I have tried to identify different aspects of the credit rating service and its impact on the corporate and banking sectors of the country. I have tried my best to organize all relevant information and do according to the instructions of preparing...
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...CHAPTER I: INTRODUCTION 1. THEME OF THE STUDY Risk management underscores the fact that the survival of an organization depends heavily on its capabilities to anticipate and prepare for the change rather than just waiting for the change and react to it. The objective of risk management is not to prohibit or prevent risk taking activity, but to ensure that the risks are consciously taken with full knowledge, purpose and clear understanding so that it can be measured and mitigated. It also prevents an institution from suffering unacceptable loss causing an institution to suffer or materially damage its competitive position. Functions of risk management should actually be bank specific dictated by the size and quality of balance sheet, complexity of functions, technical/ professional manpower and the status of MIS in place in that bank. 1.2 INTRODUCTION Risk: the meaning of ‘Risk’ as per Webster’s comprehensive dictionary is “a chance of encountering harm or loss, hazard, danger” or “to expose to a chance of injury or loss”. Thus, something that has potential to cause harm or loss to one or more planned objectives is called Risk. The word risk is derived from an Italian word “Risicare” which means “To Dare”. It is an expression of danger of an adverse deviation in the actual result from any expected result. Banks for International Settlement (BIS) has defined it as- “Risk is the threat that an event or action will adversely affect an organization’s ability...
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...How is farcical humour used in Blackadder? (Target from last piece: consider your points and whether they are fully representative of the character) “Blackadder” takes brief snapshots from arguably Britain’s darkest periods in history, in this series the First World War, and uses humour in adversity. Due to the distance from the event, the audience is able to witness the experience of the front line from a different, and arguably more human perspective. Extravagant, melodramatic characters such as Melchett act serve the dual purpose of being both humorous and serve to the greater effect of providing a (belated) scathing social commentary. Likewise, underneath both George’s seemingly indestructible patriotism and Baldrick’s brainlessness, the audience are presented with two soldiers who are heedless to the realities of the war. Moreover, Blackadder’s use of epigrammatic humour further illustrates the incompetence of the commanding class above him. Lord Melchett is unintelligent, pompous and completely ignorant of the fact that the men are terrified of their impending deaths. When visiting the front line, Melchett patronisingly asks, as if addressing an “intelligent foreigner”, “Are-you-looking-forward-to-the-big-push?” He has no concept of soldiers' fear, and cannot understand why Blackadder and Baldrick are reluctant to fight (and presumably die) in a plan that is ridiculous to the point of being hyperbolic. Even asking if Baldrick is “looking forward” to going over the top...
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...The pros and cons of regulating corporate reporting:A critical review of the arguments Robert Bushman, Wayne R. Landsman Accounting and Business ResearchVol. 40, Iss. 3, 2010 Introduction There were a series of scandals in the UK in the 90’s which resulted in the collapse of Barings Bank, due to this the Financial Services Authority changed the structure of financial regulation that consolidated regulation responsibilities. The aftermath of the financial crisis of 2007 to 2009 has drawn the financial accounting standard setting into the orbit of political processes focused on restructuring the regulation of the world’s financial markets. The crisis has ignited worldwide debate on issues of systemic risk and the role played by financial regulation in creating exacerbating the crisis. There have been proposals for how to regulate the financial markets and financial institutions should be changed to ease the potential for large scale financial meltdowns in the future. There are many aspects of the financial system under debate, including the alleged role played by financial accounting standards in deepening the trajectory of the crisis. The crisis has forced politicians, regulators and economists to scrutinise financial accounting standards and create pressure for change, which creates an opportune moment to consider how to organise the analysis of efficient regulatory choice. This paper lays out the basic arguments that have been put forth both for and against...
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...Review Essay In Canada recession was less severe and they face no banking failure due to the size and diversification in their large institution has maintained their stability. New Entrant was limited by Canadian government and I exchange chartered bank with provide them financial stability, in Canada focuses on banking sector that’s why brokers dealers and security market remain much at smaller .The banking system of branch was oliogiopolisty that imply the system which has limited supply of banking services and cost as compared to their competitors . In our previous work (Bordo et al., 1994) we analyzed that the Canadian banking is not categorized in higher cost as compared to US. The banking of Canada same returns on equity and largely used MMMFSs After 1987 they became a vital part of Canada banking, at that time government had given them permission to create MMMFs and half of total MMMFs are kept at bank which means that they are within the banking system. According to (Byung kyong & Niamh Sheridan,2012) Canada’s three large bank weighted average is two an half time smaller than Australia’s four major banks however non performing rate of housing loans in Australia and Canada are almost same in recent years. The mortgages in Canada are provided by Canada mortgage and Housing Corporation own by Government are assigned at weight of zero risk, therefore the lowest risk of residential mortgages of four large Canadian banking is almost 70% in comparison with 40% of major...
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