Minimum Wage Debate Essay

Poverty a problem the world has been faced with since things had value. People who live in poverty have families to feed and they have to work to feed them. As of October 2012 the minimum wage is 7.25$ an hour. That amount may have worked 3 Â ½ years ago when we implemented the new minimum wage but it doesn’t cut it anymore for the following 2 points. 1. Prices have been continuously getting higher. 2. Money is becoming worth less. Moving on to my first point prices are continuously getting higher. The average gas price for unleaded fuel in Virginia on July 7 2009 was 2.61$, a pound of bacon in July 2009 cost between 2/3$ and since then it has doubled in prices and now costs 5/6$. A kilowatt hour on average cost now cost 1.67 in July 2009 they cost almost .40$ less a 1.23$. These are only a few examples of the huge increase of prices on everything. People who were making the same amount of money 3 Â ½ years ago are making that same amount of money and can only afford around half of what they used to. A report from www.cnn.inflation.com shows that the huge increase in prices has led to a huge increase of people who are now classified as living in poverty. We need to increase the amount we pay these workers so that not only can we help balance the economy, but so we can help people get back on their feet. Moving on to my second point. Money is continuously becoming worth less. As of July 7, 2009 when he most recent minimum wage law was passed money has become worthless. According to www.minimumwage.gov money in the last 3 Â ½ years as become worth 5% less than its original value; meaning that when they made minimum wage 7.25$ now it is really only worth 2009’s equivalent of 6.88$. Though .37$ doesn’t seem like a lot once you add it up it can make all the difference, and for families who live paycheck to paycheck this can become a huge devastation. People always deserve to pay for what there government does. Though they are the ones that vote the politics into office it is the politician’s responsibility to make a better America. Poverty is like punishment for a crime you didn’t commit. ~Eli Khamarov, Lives of the Cognoscenti For these reasons Prices have been continuously getting higher, Money is becoming worth less. I urge you to pass tis bill.

Jupiter Transit

Simms Lagan/ Leo Ascendant would have Jupiter transiting the 12th House in exaltation and so spiritual pursuits, knowledge at the feet of the GuruÃ'Ëœ/ Guru and following of favorable routines will happen which will lead to healthy sleep. If there are afflictions to the 12th House in the Lagan chart for this Ascendant then these may be cured and eased during this period. The events leading up to a goal would be paved not only with good intentions but with good actions and all that begins well, well, begins well, in a departure from the click ©.The Leo ?rÃ'ËœNavaho Chart of the Jupiter transit- Before we proceed let us look at the inner energies prevailing with Jupiter at the time of the transit into Cancer. The Naves/ Navaho Charka at the time of transit is given below- Navaho Yoga- We can see that Jupiter is Joined Mars in GuruÃ'Ëœ-Maxilla/ Guru-Managua Yoga and is aspect by Venus/ guar/ Sahara. Not only does GuruÃ'Ëœ/ Guru have the prowess of Mars to express itself but it has the locked eye debate with Venus as well who insists on coming forth with his mundane and pragmatic knowledge.The Did-GuruÃ'Ëœ Yoga in the Naves Charka for the transit has great potential for learning and growth and expanding one's horizons. While on this theme the readers can experiment with Vary Gorham/ transits reckoned in the divisional charts of the horoscope and see what sort of inferences emerge. NSubsequent papers on this website will cover the transits of Rah/ Rah to Kane RSi/ Kenya Rash/ Virgo and Skeet to Mina RSi/Mean/Pisces as well as of Saturn to Scorpio/ gain n VÃ'Ÿkick RSi/ Varnishing Rash later in the year. This is also important because the planets for a variety of reasons form pairs-of- opposites. While Jupiter is optimism, Saturn is pessimism, and so happiness and sadness, success and failure, expansion and constriction, growth and decay are all instances of this pollarded continuum.For these reasons the planets must be considered together. Similar is the situation when it comes to studying Jupiter on the one hand and the Rah-Skeet axis on the other. On many occasions antithetical features emerge but then this should only be taken as a basic thumb rule without more at this stage. Jupiter forms a great function for Aries/ Map/ Mesh Lagan as it transits through the 4th Behave/ Behave in exaltation. This is a Kidder Behave/ Kenned Behave/ quadrant house, and its auspiciousness is greatly heightened with the exalted energy of GuruÃ'Ëœ/ Guru.We would always do well to remember that Jupiter is properly the representative of divinity in any horoscope and always seeks to do good for the person. It gives unconditionally and leads one to life changing realizations and knowledge depending on its strength in the horoscope. Significations such as home, mother, properties and education stand to be greatly unfitted depending on the combinations prevailing in the horoscope. The 4th is also the Sushi Behave and there is none better than Jupiter to bring lasti ng and meaningful happiness.Impact of Aspect/ Diarist of Transit Jupiter- In these descriptions we should also remember the power of the aspects of Jupiter which it casts through its special Graham Dir$I/ Graham Diarist/ planetary aspect. The 5th House aspect of Jupiter falls on the sign of Scorpio/ Avarice/ Varnishing. There are two rudimentary ways in which we can appreciate this. Firstly, the future of Cancer is illuminated through depth and occult. The best of these matters stands to mom through now with Guru informing the sign with its aspect.Secondly, Scorpio as a sign in itself receives the special aspect and benefits, both generally, understanding its own Karma and learning ways to do something about it, and specifically through structured precept since Karat/ Karat is the 9th sign of the Guru and religion when reckoned from Scorpio. Scorpio is in luck from June to November, 2014 when Sans/ Shania decides to enter the sign. Which are likely to come during this period very se riously and to use them to the utmost because there is no opportunity cost in availing the grace of Jupiter.Of course al this applies to only those charts to which it does, but then that goes without saying. For Sagittarius though, it may be an intriguing time and this in itself is an interesting consequence since Jupiter rules Daunts/ Danish Lagan. But Cancer is the 8th House from Sagittarius and for any nativity with Danna Lagan rising this is a challenging placement in the radix. The 8th House is unfathomable and adversely effects the natural benefice placed here. So ironically, for Deanna Lagan the advisory will be to take care of their health, intelligence and thoughts. Not so for those with Sagittarius ?rÃ'ËœHere the persons with such a placement will be able to get into fruitful relationships with others with the highest ethics and in work shall have ready access to resources which complement their goals and programs. Readers can appreciate that this also ties in with the oth er transit for Sagittarius especially the Moon sign/ Ganja RSi/ Ganja Rash since the ingress into Scorpio of the planet Saturn will signal the commencement of the Eased-Sati where the entire societal and psychological make-up of the person is altered. Taurus individuals stand on something similar when it comes to the footing, specially those of Barabbas/ Brainwash Lagan.Jupiter is transiting the 3rd House from the Lagan which relates to matters which Jupiter is not entirely comfortable with. It is also called the Adducing Behave. The positive or the silver lining, and it is quite a notable one, is that there is Baggy/ Baggy Yoga formed by the 7th House aspect of Jupiter in the 3rd House. Relevance of the Marina Karakas Stand- As I often write, the Maraca Karma Stash/ Marina Karakas Stand positions of planets are important and GuruÃ'Ëœ/ Guru is in Maraca Karma Stash in the 3rd Behave from the Lagan.Matters indicated by Jupiter in the natal horoscope especially if its planetary period is running in the Ads/ Dash system will tend to be tested. The position is not much better in those horoscopes where the ?rÃ'ËœPlease do not wear a yellow sapphire/ Pagers/ Pushchair stone under any resistances if you should have this combination in the natal horoscope and do not Mina Lagan/ Pisces Ascendant is blessed by the 9th House Graham Dir$I/Graham Diarist/ planetary aspect of transit Jupiter and also happens to be the own sign of the planet. For this reason the sating from knowledge which is brought by the blessings of Jupiter is of a high order for this sign during the sojourn of GuruÃ'Ëœ/ Guru in Karat RSi/ Karat Rash.Jupiter transiting in the 5th House in exaltation blesses the children and their intelligence and performance in studies and work will climb favorably. Thoughts ND internal make-up of Pisces, powerful appointments and advisory roles will come to the forefront. Decisions made during this time will bode well for the future. The position is equally good if not better for the Mina ?rÃ'ËœSpeculation will yield great benefits and finance appears to be a very lucrative dimension; as a professional pursuit during this time, finance professionals will feel the boost during these otherwise slow times. For Kenya ?rÃ'ËœFor those with Kenya Lagan rising in the Lagan chart/ RSi Charka/ Rash Charka, a highly stabilizing influence comes to the working of the mind of the Virgo individual and all the information gathering and the confusion and that search for elusive refection and complete logical explanation for all things, starts to fall into place. The Eased-Sati is also on the verge of ending but as stated, more on that in a later paper at the appropriate time. Capricorn Ascendant/ Maker Lagan finds their world of marriage, partnerships, and direct personal interaction changing.The concept of natural Pad tells us that it is the 7th House which truly reflects the happiness in the heart and the real Sushi. Jupiter as the Sushi Karakas in exaltation bl esses this facet of life. The workaholic haze is aided for Capricorn ?rÃ'ËœStay true to your ethical parameters and this will then show well in life. Kumara Lagan/ Aquarius Ascendant finds that the vehement enmity is no longer that not comfortable with undergoes a sea change and higher ground is attained. Substance addictions, alcohol, nicotine and drug use will now be helped by the tremendous care and awareness brought about by Jupiter. When these enemies thin are handled then the path of one's growth through effort and action is rendered more accessible.The position is very different for those with Aquarius ?rÃ'ËœThis is Mall Yoga and can lead to a spotless and perfect performance in the chosen sphere of work. In the Libra ?rÃ'ËœFinances and food, and the absence of unworthy secrets all illuminate life. For the Gemini ?rÃ'Ëœ

Sibling Rivalry Essay Example | Topics and Well Written Essays - 500 words

Sibling Rivalry - Essay Example Parents should properly take care of their children and should be careful in providing equal attention to all of them so that none of the children feels left out or deprived in any way. Sibling rivalry starts from very early ages when children start fighting. This competition goes on between children and it can continue throughout their lifetime that is they keep on competing with their siblings. It can result from undue attention being provided to one of the children and the other one feels discriminated or it can also be due to the fact that one child is more intellectual than the other and he receives more praise and attention. The other child hence starts dealing with it in his own way which leads to fights. This competition can start from a very early age and it can mostly be seen in children who have a very small age difference and hence are together most of the time. This problem can have a psychological impact and it can lead to isolating one of the siblings. Hence this problem should be understood and dealt with. Parents can play a leading role in solving this problem. They should understand the fact that all children should be taken care of equally. They should work towards bringing together the siblings and reducing their differences. If they praise one of the children for his intelligence, the other child should also be supported in a manner and told that he can also work hard and achieve similar results. Hence all the children should be given attention and they should all be praised considering the fact that every child is gifted in his own way. This is the most effective method for dealing with this condition because it is the parents themselves who can know best about their children and their demands. It needs to be understood that most of the siblings in their childhood spend more time with each other than they do with their parents. Hence it is

Analysis of performance management of Marks and Spencer with interview Essay

Analysis of performance management of Marks and Spencer with interview questions - Essay Example From this research it is clear that the multi-channel sale is one of the reasons why the company is successful in the U.K. The customers are also more fashion conscious and are less sensitive to prices. They would be ready to go for the trendiest clothes even if it is overly priced. The existences of competition in the market with other brands that are equally high priced have helped the brand to survive in the U.K. market with the high end products. There is abundance of shoppers in Britain who make their purchases from the high end stores. The people of the British Market are more conscious about their health. Therefore they would go for the luxury food products. The sales of these products reach the peak during Christmas. The company also has a strong brand presence in UK. Most of the shoppers go to the stores and are ready to pay high because of the label under which they are buying. Company’s approach towards dealing with the customers and understanding the pulse of the m arket was the reason for company’s sudden growth. When the strategy that our team took became successful in the homeland of the brand the senior management of Marks & Spencer took a decision to engage our entire team in China to understand the market situation and to help increase the sales figures in the country. Hence sending this team for handling the China market was again a strategic move by the senior management of M&S to increase the market share in China. ... The customers are also more fashion conscious and are less sensitive to prices. They would be ready to go for the trendiest clothes even if it is overly priced (Kurtz, 2010, p. 147). The existences of competition in the market with other brands that are equally high priced have helped the brand to survive in the U.K. market with the high end products. There is abundance of shoppers in Britain who make their purchases from the high end stores. The people of the British Market are more conscious about their health. Therefore they would go for the luxury food products. The sales of these products reach the peak during Christmas. The company also has a strong brand presence in UK. Most of the shoppers go to the stores and are ready to pay high because of the label under which they are buying. Company’s approach towards dealing with the customers and understanding the pulse of the market was the reason for company’s sudden growth. When the strategy that our team took became successful in the homeland of the brand the senior management of Marks & Spencer took a decision to engage our entire team in China to understand the market situation and to help increase the sales figures in the country. Hence sending this team for handling the China market was again a strategic move by the senior management of M&S to increase the market share in China. Our team had been entrusted with the duty of analyzing the market properly and to find out how the sales can be increased. The target market had to be identified and the pricing strategies had to be developed to make an impact on the bottom line. The brand commenced its operations in China in 2008. We opened up 14 stores in different parts of China. The shop

Should goverments be responsible for homeless people Essay

Should goverments be responsible for homeless people - Essay Example Again, the government is responsible for the policies that are made, which result to high costs of living. These costs make people fail to afford homes. Governments are responsible for aiding their people, where the homeless are part of the people that should be helped. Many constitutions state that the government is for the people. Therefore, if the government is not able to support its own people, it shows a failure in its responsibilities. There are some countries like Scotland that support the homeless by providing them with housing facilities. This is a clear indication that it is very possible for other governments to support their citizens who are homeless. Another way of providing homes for the homeless is creating jobs for them. When the government introduces automated technology in the workplaces, which result to most of the workers being retrenched, it should provide alternative means for these people to get income. In conclusion, governments should be responsible for their own people. They should be in a position to offer homes and other needs because that is the main reason they are in existence; to serve their

Case Study - Consulting Essay Example | Topics and Well Written Essays - 1000 words

Case Study - Consulting - Essay Example The physician in this site should ensure that he assesses every client’s motor skills and record them down electronically. Since assessing the motor skills is mandatory, the centre should employ elaborate programs that will ensure the physicians follow the correct procedures. This policy may be ensured by the introduction of the Electronic Health Records system. This system will advocate for the recording of relevant report and charts regarding the patient. This system allows patients to create and maintain their own portal accounts(AHA & CHME, 1981). These portal accounts give patients control about information regarding their health and the different evaluations being done by the physicians. The portal also allows the patients to share various diagnosis materials, schedule hospital appointments, as well as update patient information. The update of the patient’s progress is important and it is carried out on a secure platform. By introducing a patient portal into the s ystem, the patient ensures that the physician carries out every activity that is required of him or her. The Residential Chemical Dependency Program for Adult Women is governed by the Joint Commission and the State standards. The policies found therein require that treatments plan be completed in two weeks of admissions. However, this site does not maintain any treatment plans for the patients. It is important that the site maintain create treatment plans for the adult women in order to help them with their recovery process. The site needs to employ physicians that will carry out the processing of relevant information to be used in the treatment plan. These physicians should also identify the various needs and problems that each specific patient requires. Every patient has different requirements. The site should also employ clerks in order to ensure the information given by the patients is fed online where

Leadership and Organizational Behavior in Action Essay

Leadership and Organizational Behavior in Action - Essay Example The firm that is analyzed in the paper is General Electric (GE), a multifarious company, setup by Thomas Alva Edison in the year 1890 by the name Edison General Electric. The company is currently headquartered at Fairfield, Connecticut in the United States and has made several breakthroughs in segments of Energy, Capital Finance, technology, power generation to name a few. Some of the benchmark innovations of GE include the mars observer, launching of CNBC news channel for business reporting in real time, GE Money which provides customers with facilities of a general credit card and at the same time the facilities of a store card with discounts and promotional offers. Such innovations have helped GE scale the position that it holds today. GE has been continuously emerging as a champion when it comes to innovation. Its businesses related to infrastructure have proven to be another step towards building a better future. GE is currently operating across many regions of all the inhabited continents of the world. GE has been a pioneer for the past 130 years and strived hard towards innovation. Since the invention of first light bulb to the present jet engines the company has come a long way in making the world a better place to live. The company which is an equal opportunity employer has a strong presence in many countries and proudly supports a diverse workforce. The company believes in fair treatment policy and has formed various forums to nurture people with differences in age, ethnicity, gender, sexual orientation etc. (GE, â€Å"Our Company†). This project report deals with organizational challenge of workforce diversity. Maintaining a large workforce brings along challenges and people from different background may not be able to adjust well with each other. Objectives As GE supports a diverse workforce, managers will be faced with the challenges of combating discrimination within the workforce and at the same time promoting alliances and inclusiveness i n the group. Negative attitudes and behaviors may influence decision making and might also result in a loss of productivity as well as personnel. If negative behavior or prejudices creeps up within the workplace it will affect the company’s image and may also lead to litigation. The same is the case with multiculturalism. Multiculturalism may be defined as the process whereby people from different cultural background are motivated to work as a unit and also motivated to achieve the common goals of the organisation. The objectives of this report are to make careful assessment of the situation. The report will identify the desired course of action for GE which will help them to overcome the situation. This would require the involvement of all the groups. Managers will have to work on removing personal bias and should also create ways for engaging in personal dialogues with teammates. Managers need to clearly understand that the recipe for success is teamwork and the approach sh ould be unique to the organization for resolving the dispute. Secondary resources have been used for doing the analysis and collecting evidences. Literature review Multiculturalism is the apprehension which epitomizes a new way of acclimatizing to the future world. It is the process of recognizing and respecting different diversified groups with different cultural background in an organization. The people with divergent socio-cultural class are addressed and motivated and are eventually accredited for bringing stability within the organization (Rosado 1-4). Multiculturalism has long been a sensitive issue, a never ending debate, measure of its efficacy in an organization or in the society has come under scanner. These questions or issues have been creeping over time and again to understand the need of multiculturalism, its

The over dependence on computers and the internet Essay

The over dependence on computers and the internet - Essay Example However, in the past decade, they have undergone convenient transformations. They have now become handier and cheaper (Ray, â€Å"Article†). Rates offered by telecommunications companies have also been one of the most modern lowered and have become affordable to the middle and lower income groups in society. Its added features in text messaging, as a calculator, a camera, videophone, planner, radio, music storage, and other similar usages have added to its attraction and its popularity. Many developing nations have even embraced the technology for their businesses – to check market prices for their goods in market placed which may be two or three mountains away (Butler, â€Å"News†). Cell phones have become a convenient way for family members and friends to keep track and to contact each other, wherever they may be and whatever they might be doing. In this regard, it is also important for us to consider how the computers and the internet have become one of the mo st modern conveniences available to many people around the world. Computers have become a learning tool for many people, especially when they are used to access the internet in this currently globalized world. Countries and people which used to be an ocean away are now closer with the internet and all its features like social networking sites, search engines, and knowledge sharing. I believe that we have become too dependent on modern conveniences, both in our businesses and for our personal lives.

Kates children Essay Example for Free

Kates children Essay It is a dark damp day; the rain is beating down on the corrugated iron of my four-roomed cottage on Condobolin Road. It is still early hours, however my husband William has already left to visit his parents Frederick and Mary on their property, as the wind and rain has brought down two of their great gum trees. My children are still sleeping soundly. I am not feeling well again today, I have not felt well since Maggies death, some two years ago. My head has not felt right; it tells me to do things that women shouldnt even think of. I am not a well human being; I do not feel anymore, this haunts me. I feel great remorse and pity for myself. I am however fit to right my story, my life. My name is Catherine Ada Foster, however I am better known as Kate Kelly, sister of the renowned Ned Kelly. I was born in Beveridge on the 12th of July 1863, as the seventh child born to my parents John Red Kelly and Ellen Quinn. Mary, the eldest is the sister I never knew, as she passed away at infancy. Second born was Anne then came Edward- everyone knowing him as Ned, then Margaret, James and Daniel. At the young age of just three years old in 1866, many events took place that changed my life; my little sister Grace came into the world around the same time we as a family moved to Avenel. That year my father John Kelly also passed away of dropsy, an abnormal accumulation of fluid in the body tissues, or cavities causing swelling or distension of the affected parts. This left my mother a widow and seven children fatherless, so we moved in with my aunt in Greta. After living there for twelve months, mother took up her own selection on the Eleven-Mile-Creek in the Glenrowan district, and there we moved into a newly erected two-roomed hut built by Ned. In Greta, I attended school and upon finishing I spent my time helping mother with the younger children, as she had remarried George King in 1874, and had two more children, Ellen and John- making a family of eleven, most of us being exceptional horsemen. It was just five years before in 1969 when Ned was first bought before the police court for two cases, at just fifteen years of age. He was charged with assault of a fowl and pig dealer named Ah Fook, and secondly aiding a bushranger, Harry Power, in some of his robberies. Luckily for Ned and Mother, he was found not guilty in both cases. However before the end of that year, Ned was convicted again for assault and indecent behaviour resulting in six months hard labor. Our family name was becoming well known around our area, as the police were giving us a bad name for petty things my older brother did. When Ned was released from prison, just three weeks later he received a beautiful brown mare off a friend he met during his labor times. However the police were on to him and arrested Ned as the horse was stolen, Ned had no idea of this, but this didnt seem to matter to the police as he received three years hard labor. I was about fifteen years of age when the suitor Constable Alexander Fitzpatrick became attracted to me. He did not have a good name for himself, already fathering two children to different mothers. He tried to pose as a friend of the family, however my brothers were not fools to be reckoned with, and they did not trust him. On the 15th of April 1878, Fitzpatrick rode up to our house and Dan went outside. He asked Dan to go to Greta with him, as he had a warrant for stealing Whittys horses. Dan refused and asked to see the warrant, and Fitzpatrick said he had none. My mother told Fitzpatrick he had no business on her premises so he pulled out his revolver and said he would blow her brains out if she interfered. Mother said that Ned was present and he would come out and ram the revolver down his throat. It was obvious that Fitzpatrick had been drinking. As he was sitting on the stool waiting for Dan to finish his meal, I in my course of duties passed by him and he tried to kiss me. All my brothers tried to stop him. Fitzpatrick was drunk, they were sober but his story was believed above ours. He stated that my mother had struck him with a fire shovel, Dan had beaten him and Ned had shot him in the wrist and wounded him. He also incriminated William Williamson and Maggies husband William Skillion who he insisted on being there when the incident took place. The outcome resulted in long harsh sentences for mother, and our neighbours Skillion and Williamson. Ned and Dan hadnt waited for their arrest and fled into the Wombat Ranges. 1 I was very angry that even the doctor who attended Fitzpatricks wounds, did not confirm that there was a bullet wound, and also that there was a strong smell of liquor on his breath.

My personal experience Essay Example for Free

My personal experience Essay This story is from my personal experience where I was involved directly with the central character in this story. This story is about a little girl who had lot of aspirations in life and wanted to make a mark in this world. Though the name doesn’t matter but for the matter of convenience, let us call her Mary. Mary’s only fault, if it was, was getting born to parents who could only afford her education by skipping one meal in a day. Mary was above average and hence scored well in her kindergarten levels. The problem started when she was promoted to 1st standard where the level of difficulty increased for her. Her parents who could not read or write were of little help. In the daily grind of earning, when they could hardly afford the meals and her education, getting a tutor for her was a distant dream. This made the little bud sink as she always wanted to be the best and was ready to work hard as well but the conditions at home and school prevented her from unlocking her potential. On one side while her parents had their own rut to handle, her school teacher was not any considerate. She would hardly teach in the class and yet expect her students to perform the best. Well, her prestige was at stake. Any weak student in the class was a pain for her and she wanted to devise ways and means to expel the student who was not able to score. The first trimester results were declared and as expected Mary flunked in most of the subjects. She was not the worst but she was not above average any more. Mary’s teacher was infuriated with the results of the class, which was not as she wanted. She felt a necessity to teach last 10 rankers a lesson. What else could be better method than to physically torture the tiny tender kids, so that they never forget the lesson the learned teacher was trying to hammer on them. In no time, last 10 rankers were asked to stand outside in the sun which was blazing at the peak summer noon. No prizes for guessing that our Mary was also asked to stand in the scorching heat. The summer sun was too harsh for the slender frame of Mary who could not sustain and passed out on the ground. She was immediately rushed in the shade and nursed. This incidence further aggravated teacher’s indignation. It was difficult for her to believe that kids of Mary’s age can not sustain such punishments. She considered Mary to be faking the whole situation. Teacher remembered the incidence and sought to vindicate it at the right opportunity. It did not take much time for the right opportunity to come in. The Semester exams were going on. Mary was trying her best to prepare for the difficult subjects. Her parents had asked me to take few classes for her as a favor. I agreed and started coaching Mary on the subjects. She was having good grasping power and unique ability to apply the knowledge as soon as acquired. Hence, my effort was quite less in teaching her and the output was beyond my expectation. I started liking to teach her. Mary was working very hard to make up the grades. She was doing well in her exams, she used to tell me. On the day of her last exam, Mary was quietly writing her paper. The paper was easy for her as she was well prepared. The teacher, as vindictive she was, was watching for a slight error from Mary so that she could throw her out of the exam hall. To Mary’s misfortune, the moment arrived. A quick gust of wind flew Mary’s question paper to her fellow students’ desk. As Mary went on to pick her question paper, she was confronted slapped hard by her teacher who left no stone un-turned in proving that she was cheating. Mary cried, cried and cried but it all went on deaf ears. Fortunately, for Mary, the principal of the school was passing by. She stopped and asked the reason for the commotion. Thankfully, the principal believed Mary and allowed her to complete her exams. This was the last straw for the class teacher to consider Mary her sworn enemy. To rub salt on her wounds, Mary’s result was just excellent in the semester exams. She had topped, though over all she was 3rd ranker but still there were six months to go and Mary hoped that she would be able to regain her original position. And then the fateful day arrived. It was one week, since the school opened and Mary was quite excited to learn the subjects further. She was quick to answer the questions asked in the class and was doing very well. Finally, on that day, the teacher got into an ego clash and asked Mary to explain something which was way beyond Mary’s scope of learning. The teacher, infuriated, threw the duster with full force towards Mary which unfortunately hit Mary directly at her temple. Immediate brain hemorrhage followed resulting in on-the-spot loss of a life which was definitely not meant to be going this way. The teacher was tried in the court but she was released due to lack of evidence and on the ground of accidental but not intended hit. Life is going on usual for me or anyone else in the world, but definitely its’ no more a fair world for me!

Looking At The Maybank ATM Machines

Looking At The Maybank ATM Machines Maybank was founded by Malaysian business tycoon Khoo Teck Puat, who died in 2004. Amirsham Abdul Aziz. Dato Sri Abdul Wahid Omar was officially appointed as President and CEO of Maybank Group in May 2008. (http://www.maybank2u.com.my/) Today, it is the largest financial services group in Malaysia. Its extensive products and services include commercial banking, investment banking, Islamic banking, offshore banking, leasing and hire purchase, insurance, factoring, trustee services, asset management, stock broking, nominee services, venture capital and Internet banking. (http://www.maybank2u.com.my/) Maybank currently ranks among the top five banks in ASEAN, and is a Qualifying Full Bank (QFB) in Malaysia. For the convenience of Maybank customers, all Maybanks 374 branch offices and more than 2,800 ATM machines are strategically located in both the business districts and suburban estates.( http://www.maybank2u.com.my/) Today, Maybank proudly stands above its peers as Malaysias flagship financial services group in a vibrant, strong and highly competitive banking and financial services landscape. Total assets of the Group stand at RM310.7 billion.( http://www.maybank2u.com.my/) 2.0 Internal Chiefly, the environmental factors are categorized into two different groups, they are internal and external. Internal factors are taken place within the boundaries of organisation. Specifically to the case of Maybank, there are few significant internal factors that they are subject to will be examined such as products and services, vision and mission, SWOT analysis, and Leadership. 2.1 SWOT analysis Strength well known bank 374 branch offices in Malaysia. more than 2,800 ATM machines Correspondent banking relationship with 700 foreign banks throughout the world. Strong performance where it was listed second largest in Malaysia Stock Exchange and Bursa Malaysia Weaknesses -Inefficient Service and poor customer Service. Have to pay huge amount of money to stakeholder Opportunities -experts in the industry and shares their experience with the employee Maybank have many other investments from other companies Threat Economic slowdown like right now where stalling economies are bad for the banking sector Table 1.0 SWOT analysis 2.1.1STRENGTHS It is a well known bank where it have over 374 branch office and more than 2,800 ATM machines. Correspondent banking relationship with 700 foreign banks throughout the world. It also have diversity in product where they provide opening account, giving loan, credit cards, investment insurance, and Islamic banking.(http://www.maybank2u.com.my/) Strong performance where it was listed second largest in Malaysia Stock Exchange and Bursa Malaysia and Maybank workforce come from a multifaceted background of skills, disciplines, experience and industry knowledge to create talented teams of idea generators. 2.1.2WEAKNESSES Inefficient Service and poor customer service, for example Maybank does not have bank systems be automated with built-in security features to verify their customers accounts and details without having to rely on a piece of physical paper with a signature. This would make customer harder to replace card or change account if go to different branch. This kind of service is totally unacceptable in todays competitive world where time equals money. Have to pay huge amount of money to stake where dividend payout ratio (of 60%) to the stakeholders. They set policy to pay dividend of 60% percent of their profit as the long term policy. 2.1.3OPPORTUNITIE Growth of existing market where Maybank is experts in the industry and shares their experience with the employee so by then they can expand further in the industry. Maybank have many other investments from other companies and expand its operations in Vietnam, China, Philippines and India. (http://www.maybank2u.com.my/) 2.1.4THREATS Economic slowdown like right now where stalling economies are bad for the banking sector as it impedes loans growth which is the sectors bread and butter (borrowers become more cautious) and it stirs up bad loans (due to the burden of rising borrowing cost) which in turn erodes a banks financial comfort.) The job is made harder by a brutally competitive landscape HSBC and how it has grown from the Hong Kong and Shanghai Banking Corp in the past to becoming a truly global bank today. They were even been bold enough to venture into Islamic Banking and created HSBC Amanah at a time when most banks, especially foreign ones, were figuring out what Islamic Bank was all about and were skeptical.(http://www.hsbc.com.my/1/2/personal-banking/deposits/basic-current-and-amanah-basic-current-account-i) 2.2Product and service Maybank product and service range includes commercial banking, investment banking Islamic banking, offshore banking, insurance and takaful, factoring, trustee services, asset management, stock broking, nominee services, venture capital and internet banking.Maybank has consistently set new benchmark for the product and service delivery by achieving many firsts in the industry which include the first to introduce a rural credit scheme, mobile banking services, internet banking and receivable financing on a non-recourse basis.( http://www.maybank2u.com.my/) The product is designed to satisfy a certain need and normally is sold in a competitive environment and so that product success is very much driven by market forces and must compete on cost, quality in the board sense, and delivery time.(Derek L.Waller 2003,page 147) In an effort to reinforce service quality standards and continuously promote service excellence, the Maybank implements various programmes such as customer sales, and service training programmes, service standards monitoring, and customer surveys. In Maybank, it has several different type of savings account services provide to the customer.Example for the savings account products are Golden Savers Saving Account, specially tailored for senior citizens, retirees and those planning for early retirement. This account offers high returns and a host of other benefits and discounts meant to enhance your golden years. Yippie saving account a saving account designed for children aged below 18 years old.Children can start an account with as little as rm1, and enjoy monthly dividend on a profit-sharing basis. (To get more information, please refer to appendix 1 and appendix 2) (http://www.maybank2u.com.my/) 2.3 Vision and mission Vision The visions of Maybank are To be a leading regional financial services group by 2015. Mission An organization need to have effective operation management effort must have Mission, it will help them knows it is going and provide boundaries and focus for organization. Maybank mission are 1) To be the top five financial services group in South/South East Asia, by size and Performance. 2) Undisputed leadership in Malaysia, across all high margin/profitable products/segments 3) Truly regional organization, with 40% of gross loans derived from international operations 4) Recognition for delivering innovative and superior value proposition to customers 5) Top quartile employer of talent in each of our markets. (http://www.maybank2u.com.my/) (To get more information please refer to appendix 3) Figure 1.0 Leap 30 Performance Improvement Programme 2.4 Leadership Maybank is committed to inculcating a leadership culture which not only encourages high impact communication but also values ideas and feedback. Active communication is the key to ensuring Maybankers are well-informed and knowledgeable about the Groups operations, business strategies and management decisions. As part of Maybank vision to create world-class managers, Maybank have a robust Leadership Model built on the leadership philosophy and competencies that are required to support the Groups aspirations. Maybanks leadership philosophy describes the essence of a great leader guided by the corporate values of teamwork, integrity, growth, excellence, efficiency and relationship building. The leadership competencies serve as a guideline for assessment of leaders and reiterate the six core competencies that every Maybank leader should have. These are strategic thinking, a spirit for achievement, ability to develop talent and cultivate relationships, being customer-centric and the desire to innovate and change. (http://www.maybank2u.com.my/) In order to increase the effectiveness of maybank staff, a Mentoring programme was introduced for the succession plan candidates of identified C-suite positions. Foundation programmes within Maybanks Personal Managerial Effectiveness Learning Roadmap were also structured for entry level and executive positions while intermediate programmes were targeted at team leaders and new managers. The advanced programme promotes a talent development culture which places emphasis on leadership across all boundaries. One such example is the Maybank Great Manager (MGM) programme aimed at improving managerial skills, capabilities and knowledge. In 2009, a total of 103 Human Capital workshops involving the participation of 2,000 managers were completed.(http://www.maybank2u.com.my/) Maybank Annual report 2009 3.0External 3.1Political and Legal The operations of Maybank are affected by the government policies on the regulations of banking industry. Currently government are controlling the marketing of banking industry because of responsible for promoting a stable monetary and financial structure.. Governments also control the license given for open the banking industry and other legislation need to follow such as Central Bank of Malaysia act 2009,Banking and Financial Institutions Act 1989(BAFIA), and Exchange Control Act 1953. (http://www.bnm.gov.my/index.php?ch=14)Good relationship with government in giving mutual benefits such as employment and tax is a must for the company to succeed in any foreign market. Maybank should also protect its workers by ensuring all the hiring, compensation, training or repatriation is according to Malaysian Labor Law as stipulated. Example Wages, salaries, bonuses and social security contributions are recognised as an expense in the year in which the associated services are rendered by empl oyees of the Group and the Bank.(http://www.maybank2u.com.my/) 3.2Economics The year 2009 was tough would be an understatement given the upheaval created worldwide as a result of the global financial crisis that saw financial giants fail or requiring Government support. In these difficult times, Maybank remained prepared and strong. Maybank was able to withstand the challenges of a highly stressed and competitive operating landscape given its strong capital and liquidity position, and continued to play a significant role in ensuring that credit remains available to help the Malaysian economy and to support Malaysian business and consumer economic activities. Example For the year ended 30 June 2009, Maybank recorded higher revenue of RM10.5 billion compared to RM9.6 billion last year. However, net profit was lower at RM691.9 million compared to RM2.9 billion recorded in the previous year. The lower profit was largely due to higher loan loss provisions, interest on the additional RM9.1 billion securities and subordinated debts issued in 2008 as well as the imp airment charges in relation to its investment in BII and MCB Bank of RM1.62 billion and RM353 million respectively. Excluding the impairment charges and the reversal of the allowances for the non-refundable deposit for the BII acquisition, Maybank Groups core profit after tax stood at RM2.18 billion. ( (http://www.maybank2u.com.my/)( To get more information please refer to appendix 4) 3.3 SOCIAL The changing lifestyles of Malaysia due to development of Malaysian economy should be also taking into consideration. While more people are able to purchase car and house, there are a number of housing loan and hire purchase packages that have been developed in the market to suit the particular needs of the borrower. They want to have greater innovation, value, quality in services and more conveniences that can differentiate one bank from another. Besides that, Consumers want technology in their life and facilities such as credit card payment, online banking channel for payments or opening a bank account. All these needs should also be taken into consideration. For example Maybank online portal has the largest number of payee corporations. Close to 700 types of bills can be paid via Maybank2u.com (http://www.maybank2u.com.my/) 3.4Technology Technology is widely recognised by various literatures on strategic management (Capron and Glazer, 1987; Johnson and Scholes, 1993).Over the past few decades the impact of technology, in particular information technology, is undisputed in almost every aspect of banking industry. Currently, Maybank is the established market leader in online banking in Malaysia, with the largest user base of 3.8 million customers and the highest number of web based product offerings online. Maybank2u.com was voted as the Best Brand for Banking Online and was awarded the Brand Laureate Award by the Asia Pacific Brands Foundation. Besides that, Maybank employ the latest in encryption technology to ensure safety and confidentiality of your transactions. 3.5Environmental Maybank has a strong policy that supports environmental issues. Maybank efforts to reduce its carbon footprint encompass both its operational as well as product offerings. In daily operations, environment-friendly practices are constantly encouraged. This includes recycling of paper, electronic communication, utilising energy-saving practices for lighting and air-conditioning as well as centralised printing to reduce use of individual printers and consumables. Example in introducing new products, Maybank is offering more paperless transactions, implementing electronic payment and online statements. The new American Express Gold Credit card provides online statements, while the nations first Online Bill Presentation service with Tenaga Nasional Berhad introduced electricity bill statement and online payment via Maybank2u.com.( http://www.maybank2u.com.my/) Task2 4.0 Influence of policies and decision making on E- business E-banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. E-banking includes the systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services through a public or private network, including the Internet. Customers access e-banking services using an intelligent electronic device, such as a personal computer (PC), personal digital assistant (PDA) or automated teller machine (ATM).( Institut Bank; Bank Malaysia) 4.1 Influence of policies and decision making on E- business to customer 4.1.1ATM (automated teller machines) Automated teller machines providing banking services, in particular cash dispensing service which facilitate direct withdrawals from deposit accounts and check account balance at previously unfeasible location and time. ATM are efficient in dispensing controlled amount of cash rapidly and accurately. To move customer to more efficient delivery channel, ATM handle other simple transactions, which are often categorized as being of low value to the bank.(Institut Bank ;Bank Malaysia) Maybank provide more than 2,800 ATM machines are strategically located where customers require cash to make purchases, such as at shopping centres, PETRONAS petrol service station or outside the branch premises. Maybank customers are able to conduct banking transactions after normal office hours. Maybank ATM performs banking transactions including cash withdrawals and funds transfers at customer preferred time; convenient access to cash, in local currencies, when customers are overseas. .( http://www.maybank2u.com.my/) 4.1.2E statement With the growth and maturity of online statement delivery, paperless statements are fast becoming the norm in the banking industry. Paperless statements under different service tags ranging from E-Statements, Email Statements, PDF Statements and Online Statements. Paperless statement can be made available through emails, e-banking services or over websites and are usually free of charge. Maybank bank is offering more paperless transactions, implementing electronic payment and online statements Example the new American Express Gold Credit card provides online statements, while the nations first Online. Customers are also being to switch to online statements instead of receiving printed copies. It is easy n convenient for customer to tracking personal financial and mange personal account online any time. (http://www.maybank2u.com.my/) 4.1.3Credit card(online transaction) A plastic card that allows a person to purchase goods and services by paying with money borrowed from a creditor. The borrower then repays the credit card company, often with interest. The borrower doesnt always have to pay interest, because paying the debt off on time might not result in interest being charged. http://157.166.255.31/2009/LIVING/studentnews/03/15/financial.glossary/index.html Credit card is often the most convenient method around when customers need to buy something important or when customers need to fund an emergency that occurs. Maybank offers a wide variety of credit cards. There are different types to suit different lifestyles and needs. There is the Maybank-Sogo Visa Card in Classic and Gold, The Classic and Gold MasterCard and the Classic and Gold Visa card. The Maybank credit card payment online service is a facility that is available to customers. The valued customer can pay a variety of bills over the internet by using a Maybank credit card. It saves plenty of time that would be better spent on other pursuits and projects. ( http://www.maybank2u.com.my/) There are rewards to be had when customer use the Maybank credit card payment online service. Customer becomes eligible for points under the banks GiftPoints programme when customers use their Maybank credit card to make purchases over the Internet. (http://www.maybank2u.com.my/) 4.1.4 E-shopping Improve on its policy of meeting the customer needs efficiently and effectively by assisting the commercialisation of e shopping. Customer can find it convenient and easy to online shopping from the comfort of their home or office. Maybank offer variety of product service online such as electronics, gift and collectibles, health and beauty, kids and newborn, branded fragrances, clothing and travel gear. (http://www.businessdictionary.com/definition/online-shopping.html) Decision making Maybank Customers can purchase a variety of products and services online and pay conveniently by direct debit from their Maybank Savings and Current Accounts Maybank2u.com Cyber Mall offers convenient and reliable online shopping. Maybank number one focus is customer satisfaction. Customer can expect quality merchants, value for money and take advantage of special offers. Enjoy shopping at customer own convenience from customer home or office with the assurance of a secure connection. Maybank trust that shopping at Maybank2u.com Cyber Mall will be a rewarding experience.( http://mall.maybank2u.net/main.jsp?pageid=Home)(To get more information, please refer Appendix 6 ) 4.2Influence of policies and decision making on E- business to business The flagship B2B cash management system from Maybank, Maybank2e.net, remains a sought-after solution as it maintains its cutting-edge lead in managing complex financial supply chain and working capital activities under a well integrated platform. The system has expanded its capabilities and currently contains six different modules: Information Management, Payables Management, Receivables Management, Liquidity Management, and Financial Supply Chain and Corporate Services. The cash management front is becoming increasingly demanding where companies have to efficiently manage liquidity across their businesses. A strong testimony to Maybank our commitment is the number of awards accorded by international organisations to Maybank2e.net including FinanceAsia Best Cash Management Bank Country Award 2009, Best Cash Management Bank for Malaysia Asset Triple A Transactional Banking Awards, Best Local Currency Cash Management Services 2008 Award by AsiaMoney Polls and Alpha SEA Best Cash Management Bank Award. (To get more information, please refer to appendix on title of Award and Recognition.) 4.2.1 E-payment Electronic payment is any digital financial payment transaction involving currency transfer between two or more parties (source: World Bank) Internet is usually believed to be the only mode. In reality e-payments cover a much broader range (phone, interbank networks, etc)(http://www.intracen.org/e-trade/docs/nepal/catani.pdf) Maybank2e.net e-payment represents a revolution in the manner in which customer business is able to execute payment transactions. It caters for a complete range of payment transactions such as funds transfers and local / foreign remittances. Maybank e-payment also provides a comprehensive payroll service, allowing customer to automatically credit employee salaries directly into their designated accounts. Convenience is offered via the ability to submit contributions online to statutory bodies such as Employees Provident Fund (EPF) and Social Security Organization (SOCSO). (http://www.maybank2e.net/is_epayment.shtml) Submitting payments online increases the efficiency of the payment process by cutting down manual tasks and processes. Payments can be made to both Intrabank (within Maybank Group) and Interbank (other local banks) accounts through the GIRO and RENTAS platforms. All transactions are guaranteed total security with Maybank leading edge security infrastructure. With online reporting, customer access to accurate and timely information for account reconciliation. Customer can view their file status, download processed files or print a summary of the processed files. 4.2.2E security Maybank2e.net is highly committed in ensuring that all transactions performed through www.maybank2e.net are secure, safe and confidential. The security features of Maybank2e.net have been tailor-made to meet the requirements of corporate users. Maybank2e.net is located within the internal security system of the bank, which provides firewall systems, strong data encryption (128-bit SSL), anti-virus protection and round-the-clock security surveillance systems. Beside that, regular security reviews of Maybank systems by Maybank internal system auditor as well as external security experts. In additional, Maybank2e.net has incorporates a comprehensive security infrastructure, utilising binding encryption on all data transmission. Security control is further enforced via audit trails, dual control access levels and re-authentication. This guarantees that corporate user transactions are protected, private and secure at all times. 5.0Effectiveness of e-business in Maybank 5.1Electronic Banking Maybanks Consumer Banking is anchored by its strong franchise, which encompasses the most extensive ATM network coverage in Malaysia. Maybank maintains the lead in having the most number of largest ATM network in the country with market share of 32%. During the year, Maybank installed 92 Off-Bank ATMs throughout Malaysia. In January 2008, the branch network was migrated from a legacy framerelay system to an Internet Protocol Virtual Private Network (IPVPN), leading to reduction in network complexity, easier network management and improved cost effectiveness as well as exchange of encrypted confidential data. Currently the IPVPN service operates at more than 400 branch networks, over 2,800 ATMs and 160 point-of-sales merchant networks. Figure 2.0 Number of Maybank ATM and CDM From Figure 2, it shows that, Maybank has increased their number of ATM machine by 107% from 1356 to 2804 in year 2005 to 2009. Beside that, Maybank has increased their number of CDM machine by 87% from 485 to 910 in year 2005 to 2009. 5.2Online banking Maybank2u.com is the No.1 Internet banking website in Malaysia with 3.8 million registered users and a market share of over 54%. The strong growth during the year was attributed to innovative product offerings through electronic commercial transactions as well as a shift from simple fund transfers to more complex transactions. Example the First Public Report of Online Usage in Malaysia released by comScore a leader in measuring the digital world, listed Maybank2u.com as the top local site in Malaysia. The report includes a ranking of the most visited Internet properties and top visited local-based properties, based on the comScore World Metrix service. In June 2009, 9.3 million people in Malaysia age 15 and older accessed the Internet from home and work locations, with each consuming an average of 1,066 pages of content and spending nearly 14 hours online during the month. Maybank2u.com topped the list as the most visited local site, with more than 1 million visitors, reaching nearl y 12 percent of all Malaysians online, making it the most engaging site of the top 10 Malaysian properties. Table 2.0 Top 10 sites in Malaysia 5.3 New Electronic Services Maybank introduced the All-new, All-you Maybank2u.com by revamping Maybank existing website with new features in compliance with web 2.0 technology. Maybank also kicked off Malaysias first online bills summary by a bank, My Bills. Initially launched with Tenaga Nasional Berhad, users can now also view, pay and save DiGi and TM bills via this facility. Additionally, Maybank online portal enables users to make additional ASB investments online, the first and only facility in Malaysia. Launched by the Prime Minister on 21 April 2009, the facility also allows third party investment in ASB. Currently, Maybank online portal has the largest number of payee corporations. Close to 700 types of bills can be paid via Maybank2u.com. This will be further bolstered with additional Government-partnered initiatives such as online payments for Agensi Kaunseling dan Pengurusan Kredit, Skim Simpanan Pendidikan Nasional and the Ministry of Finance Housing Loan Scheme. 6.0Area to improvement 6.1Hire expertise, provide training Maybank should hire more expertise in order to implementation and administration e-banking efficiently and effectively. Beside that, Maybank should provide a holistic approach enhancing employee skills and competencies through its online e-learning programmes. The programmes include upkeep, maintenance, security and implementation of networks. All crew members should be well-trained before sending them to work career. 6.2Improve quality of maybank website (www.maybank2u.com.my/) Maybank should consume extensive amounts of time and money to define, design, develop, test, implement, and maintain website in order to improve the quality of e products and service. Beside that, Maybank staff should treating complaints seriously and resolving them as quickly and fairly as possible.If Maybank wants their Maybank2u.com to be popular among online banking website it should leave the user with a positive impression about the organization, so consumers can get an impression that the company cares about them. 6.3Increase online security Maybank should ensure that all transactions performed through their online financial service are secure, safe and confidential by installing the latest firewall systems, strong data encryption, anti-virus protection and round-the-clock security surveillance systems to detect and prevent any form of illegitimate activities on maybank network systems. Beside that, keep on update privacy protection control systems when new versions are released. So that Maybank customers can enjoy Maybank Internet Banking with total peace of mind. 6.4 Increase Maybank e shopping At Maybank2u.com Cyber Mall, Maybank offer variety categories such as electronics, gift and collectibles, health and beauty, kids and newborn, branded fragrances, clothing and travel gear but each category provides few or even none of product and service. Example the travel gear didnt provide any product or service. Maybank should find more potential and quality partner merchant, to provide more product and service to satisfies customer need and want. Beside that, Maybank need to provide multiple images from different angles for the product. An image in each color, of the front, back, and sides, and even detailed shots of specific features can all go a long way toward making a consumer more likely to buy. 7.0Conclusion In conclusion, this report analyzes both internal and external environment of Maybank, a largest financial services group established in Malaysia. Due to the length constraint of the report, there are only significant environmental factors are analysed in terms of their influence on the organization and the organizations response towards environmental changes. Internal environment factors are analyzed include products and services SWOT analysis, Vision and mission, and leadership,. Any product or policy of a company has to reviewed and make change accordingly that fit to the contemporary needs of the organization. Example the Maybank Great Manager (MGM) programme aimed at improving managerial skills, capabilities and knowledge. The external factors are political, economy, social, technology, environment and legal. Five of these factors exert tremendous pressure on Maybank business operation especially the economical factors. For Example result of the global financial crisis that saw financial giants fail or requiring Government support. Maybank remained prepared and strong. Maybank was able to withstand the challenges of a highly stressed and competitive operating landscape given its strong capital and liquidity position. The second part of the report analyzes the influence of e- business toward Maybank in terms of policy and decision making. Besides, the effectiveness of response to those concepts is studied as well. Lastly, there are few recommendations have been suggested to improve their current initiatives of knowledge management and learning organization concept. For instance, Maybank could move themselves even closer to success in e-business by Improve online security, improve maybank e- shopping, improve quality of maybank website and provide training and hire expertise. Reference Derek L. Waller, 2003, Operation Management, Italy, Gray Publishing. Capron, N. and Glazer, R. (1987), Marketing and Technology Johnson, G. and Scholes, K. (1993), Exploring Corporate Strategy Operational of Financial institution (Institut Bank; Bank Malaysia) Access From www.maybank2u.com.my/ [2 march 2009] Access from http://university-essays.tripod.com/pest_pestel_pestle_lepest_analysis.html [2 March 2009] Access from http:/

Charles V :: essays research papers

CHARLES V FEBRUARY 24, 1500 – SEPTEMBER 21, 1558   Ã‚  Ã‚  Ã‚  Ã‚  Charles V was born on February 24, 1500 in Ghent, which today is better known Belgium. He was the oldest in the family so when his father died in 1506, he inherited the Netherlands and the Franche Comte, which was located in France but actually belonged to the Holy Roman Empire. He gained much more land once his maternal and paternal grandfathers died. Not since Charlemagne, in the early 9th Century, had one person dominated so much land.   Ã‚  Ã‚  Ã‚  Ã‚  When Charles visited Spain for the first time, he realized that he wasn’t popular among the citizens. However, his fight against the muslim Turks and the German Protestants won him some acceptance. Though being accepted was a problem, controlling the finances became a much larger one. There were many times when promising military campaigns had to be broken off due to lack of money and at times it appeared that Charles didn’t much mind that such actions had to be taken.   Ã‚  Ã‚  Ã‚  Ã‚  In 1519 Charles was elected German King and Holy Roman Emperor. So after his visit to Spain he went to Germany to be officially crowned king. But, he would have to wait until 1530 to become the Holy Roman Emperor. Charles was going through a lot and he soon started feeling the pressures of his obligations and to add to his pressures, he would soon be going into war with France, a big competitor and persistent enemy.   Ã‚  Ã‚  Ã‚  Ã‚  Charles V went through many wars, but his most were with France. The Valois kings fought the emperor for the leadership of Europe in general and for the domination of Italy in particular. Though in 1525 Charles’s army defeated and captured Francis I of France at the Battle of Pavia in Italy it was thought that the war was over. But when the peace compromise was final and Francis was released, the Italian wars began again. In 1535 the Spaniards captured Milan and confirmed their domination of Italy.   Ã‚  Ã‚  Ã‚  Ã‚  Finally, in stages, between 1555 through 1568, Charles V voluntarily gave up the throne.

Importance of Identity in Toni Morrisons The Bluest Eye :: The Bluest Eye Essays

The use of characters as symbols is a common literary device, and Toni Morrison employs it to great effect.   In Morrison’s novel, The Bluest Eye, the central theme is the influences of the family and community in the quest for individual identity (Baker, 2008).   This theme is recurrent throughout the novel and she uses the characters of Pecola Breedlove, Cholly Breedlove, and Pauline Breedlove as symbols for it.   However, these characters are not merely symbols of the effects of the family and community on an individual’s quest for identity, they are also representative of the quest of the many black people that were migrating north in search of better opportunities.  Ã‚  Ã‚   The Breedlove family is not a family in the social sense.   Essentially, they are a group of people living under the same roof, a family by name only.   Cholly (the father) is an alcoholic man who literally beats his wife Pauline and sexually abuses his daughter Pecola.   Pauline is a â€Å"mammy† to a kind, white family and she comes to love them more than her biological family for obvious reasons.   Pecola is a delicate, small girl who holds a very poor image of herself.   Because she does not live up to the world’s standard of beauty and have blue eyes, she believes herself to be ugly.   As a result, she prays every night that she will wake up with blue eyes.   Brought up as a poor unwanted girl, Pecola Breedlove desires the acceptance and love of society. The image of "Shirley Temple beauty" surrounds her. In her mind, if she was to be beautiful, people would finally love and accept her. The idea that blue eyes are a necessity for beauty has been imprinted on Pecola her whole life.   "If [I] looked different, beautiful, maybe Cholly would be different, and Mrs. Breedlove too. Maybe they would say, `Why look at pretty eyed Pecola. We mustn't do bad things in front of those pretty [blue] eyes'" (Morrison 46).   Many people have helped imprint this ideal of beauty on her. Mr. Yacowbski as a symbol for the rest of society's norm, treats her as if she were invisible. "He does not see her, because for him there is nothing to see. How can a fifty-two-year-old white immigrant storekeeper... see a little black girl?" (Morrison 48). Her classmates also have an effect on her.   They seem to think that because she is not beautiful, she is not wo rth anything except as the focal point of their mockery.

International Financial Reporting Standards Essay

According to Deloitte Touche Tohmatsu (2010, para. 3) â€Å"International Financial Reporting Standards (IFRS) are Standards, Interpretations and the Framework adopted by the International Accounting Standards Board (IASB)†. IFRS was established in 2001 and the conversion of the International Accounting Standards (IAS). The IAS had been functional since 1973 until it was converted to IFRS. More standards and components were added to the new IFRS to enhance professionalism in accounting and to accommodate the changing accounting environment. Many countries have accepted the use of IFRS since they are more comprehensive and cover a wide variety of accounting systems. The changes in technologies cause the adjustments in the accounting standards to ensure no loopholes exist in the accounting profession (Deloitte Touche Tohmatsu 2010). Transition Issues Most of the standards used in the IFRS were adopted from International Accounting Standards (IAS). IAS has been operational between 1973 up to 2001. They were developed by the International accounting standards Committee (IASC). The task of setting international accounting standards was shifted to IASB in 2001. IASB continues to make accounting standards called the IFRS. IFRS is composed of the International Financial Reporting Standards (IFRS) – standards issued after 2001, International Accounting Standards (IAS) – standards issued before 2001, Interpretations originated from the International Financial Reporting Interpretations Committee (IFRIC) – issued after 2001, and Standing Interpretations Committee (SIC) – issued before 2001 and Framework for the Preparation and Presentation of Financial Statement (Deloitte Touche Tohmatsu 2010, para. 10). IFRS vs. , U. S.  GAAP The Generally Accepted accounting Practices (U. S. GAAP) were developed to overlook accounting practices in the economy of the U. S. The U. S. GAAP differs slightly from the IFRS and there has been debate to exchange the U. S. GAAP for the IFRS. The IFRS has been acceptable in the global market and has provided opportunities to the U. S. accounting profession since the U. S. GAAP has been limited within the U. S. More than 100 countries in the world are using the IFRS in their accounting systems and there is concern about the adopting of the IFRS in the US. According to Epstein (2008) the implications for the adoption of the IFRS in US will be Training on the differences between IFRS and GAAP, Financial scrutiny of international joint ventures, Merger & acquisition (M&A) international accounting reviews, Sarbanes-Oxley compliance on corporate governance matters, Analysis of international credit policies for multinationals, and Litigation risk due to inappropriate use of IFRS (para. 3). The global investors will have advantages after the adoption of the IFRS in the US accounting systems. This will provide a better environment for cross-border investment as well as integrating capital markets. Global organizations in the US will save the costs of accounting by the use of a single financial reporting standard. The existing system requires compliance with the domestic accounting standards as well as accounting standards of other countries. This is creating more costs to international firms since they must install all accounting systems and employ personnel from diversified accounting backgrounds. The use of the GAAP has limited the growth and expansion of many companies in the U.  S. Multinational companies and their investors will benefit a lot from the adoption of the IFRS (Malriat, 2009). Accounting for revenues under IFRS IFRS adopted some standards used by the IAS but some additional standards were included. This was done to ensure more accountability in the accounting systems and to ensure revenues are safeguarded within the entity. The assumptions of IFRS are; first, accrual basis, this means that transactions are accounted for when they occur but not when cash is received or paid. Secondly, the going concern; the entity is assumed to continue operating in the foreseeable future. Thirdly, stable measuring unit; nominal monetary units are used in accounting to ensure stability of the purchasing power. The qualitative properties of the financial statements are: â€Å"Understandability, Reliability, Comparability, Relevance and True and Fair View/Fair Presentation† (Deloitte Touche Tohmatsu 2010, para. 14). The elements of financial statements are assets, liabilities and equity. IFRS uses discretion in developing conclusion about the accounting systems of an organization. Approximations and evaluations are not accurate and discretion is required when drawing conclusions about the financial status of an organization. Strict enforcement of accounting standards will provide a better system that will monitor the businesses in the international markets (Deloitte Touche Tohmatsu 2010). Conclusion IFRS developed from IAS to include the changing professional requirements and technologies in accounting. The US GAAP has been criticized for its limitation to the US economy and many accountants require the adoption of the IFRS in the accounting systems. The shift from the use of IFRS to the US GAAP will have several implications on the US financial accountants as well as other users of the accounting standards. Even though there are few differences between IFRS and the US GAAP, there are many limitations accompanied with the use of the US GAAP. Adopting the IFRS will open up the market and reduce accounting costs to multilateral firms in the US. Amendments in the IFRS continue to be made to update the standards according to the changes in technology and the global legal systems.

Erikson’s Time Line Essay

The aspect of psychology mainly studies the behavioral characteristics and personality of each individual in relation to their motivation, actual manifestations in terms of their actions, traits, perception, reasoning and others. In this concern, the science of psychology uses numerous approaches and concepts in its exploration of the human field in disseminating and explaining the significant and influential factors to the development of individuality and personality complex. Relative to the actual concern, the field of psychology also take the backward approach wherein it explains the background of each action and decision of each individual influential to their arrival to that certain point including the relationship of previous experiences, childhood factors, and other relevant issues. However, influential in the general pursuit of the study of psychology is the approach of gradually exploring the human development through disseminating the person’s life into progressive stages. In this concern, the concept of Erikson’s time line becomes a significant concept offering understanding towards a person’s personality and behavior. According to Erikson’s time line, each individual passes through each life-stage virtues as he or she age in life wherein the person’s behavior and personality develop as he or she contemplates over specific stage contrast. In each stage, a person must assess two different virtues relative to the age and level of his or her life determining how the person mature towards reaching the next level and proceed through life development. On assessing the personal journey of the author of this paper based on this time line, it likely appears that this author is within the fidelity stage wherein he is dominantly contemplating with the concept of identity and role confusion. In this particular stage, the person is still determining the path of which to pursue in life relative to the determination of his or her dominant identity on social and career matters. This is largely true in the author of this paper of which, he is still experimenting and deciding on the path of his passion, motivation, and determination. Mostly, the pressure of determining the person’s life conclusion gives the most hindrance in this stage of which is likewise true for the author of this paper. In addition, the challenge of finding the suitable and effective model from which to relate ones decision in this stage is also a crucial matter towards conquering this stage. Indeed, the author of this paper is within this stage of choosing the best position and the proper direction for his life which will likely determine his career and maturity development into becoming a successful adult in the future. Bibliography Dr. Boeree, C. George (2006). Erik Erikson. Personality Theories. http://webspace.ship.edu/cgboer/erikson.html. May 3, 2008

Critically Evaluate the Relevance of the Contingency Approach

Jane directly leads a team of seven HRS and communication employees and five operations staff, and has a strong Influence across the organization. Reporting to the CEO, with both board and ASS reporting responsibilities, Cane's role and authority at EX. Wealth Is prominent. As the HRS Director, Jane Is Involved In structure, employment Issues, human resource allocation. Recruitment and retention decisions and sets the people strategy for the organization (J. Smith, peers. Com, 2011). As she faces many different situations everyday in her work, she heavily relies on the contingency approach to management.The contingency approach states that â€Å"organizations are different, face different situations (contingencies) and require different ways of managing† (Robbins, Bergman, Stag & Coulter, 2009 p. 53). The classical, behavioral and systems approach to management theory assumed a universal or ‘one-best-way of management that applied the same techniques to all companies. Ho wever, experienced managers know that not all people and situations can be managed exactly the same. Thus the contingency approach to management suggests that what managers do In practice depends on the situation.However, the contingency approach is not without its critics. A major problem is that it often is used as an excuse for not acquiring formal knowledge about management, but just lets managers make dados decisions. There are four popular contingency variables: organizational size, riotousness of task technology, environmental uncertainty and individual differences (Robbins et al, 2009). In this essay, we will discuss how Jane at EX. Wealth manages each of these variables. The first variable In contingency management theory is organizational size.The way Jane manages her direct team of seven, Is very different to how she is seen as a manager across the 700 staff at EX. Wealth. For example, Jane holds weekly meetings with her team to advise of company-wide news and Information from her meetings at CEO and Board level. In relation to Skate's â€Å"human skill† (Katz, 1974) she Is an effective communicator In tans arena. However, one AT ten roles AT newer team Is to teen disseminate this information through their business groups and across the organization, so that all employees are aware of various company-edicts and general ‘goings on' .They did this through posting memos in breakout rooms, which were rarely noticed. Thus Jane (and in turn, her team) was perceived as having poor human skills' as the information coming from the HRS team was communicated across the larger organization ineffectively. Jane had to change her management style in relation to these larger communications and a company wide intranet was developed as a result. On it, important employee notices were communicated as well as information about the company and it's various activities. 0. Smith, peers. Com).Employees were then able to access the information as it suited them , and remained just as informed as those in her direct team after their weekly meetings. Another variable in contingency management theory is the ‘riotousness of task genealogy. Routine Technologies are those that have little variety and use objective, standardized procedures. They are mostly associated with a mechanistic structure and processes, with formal rules and rigid management processes (Daft, Murphy & Wolcott 2010). An example of this at EX. Wealth is in the Operations Department.Their role is to scan all incoming mail, forward it to the correct person and file the hardcopy. Jane finds managing this department is relatively straightforward. She sets formal Kips at the start of each year and the Senior Operations Officer ensures that the team meets their targets. In effect, Jane is using one of Integers ‘Managing on Three Levels' (being, information) technique (Integers, 1994). Non-routine technologies, however, have high task variety and experience and technical knowledge are used to perform the work and solve problems.Using Woodward's research, organizations with more non-routine technologies are more likely to have organic structures (Robbins et al, 2009) Similar to many companies in finance, EX. Wealth has traditionally had a very bureaucratic structure based around division of labor, central controls and a strict hierarchy – almost Weeper's ideal bureaucratic structure. Robbins et al, 2009) – with the CEO at the top and the majority of staff (in processing and call centre roles) making up the bottom. Divisions were created by Job role and geography and the machinations of the firm had little to do with the head office and their goals.However, since the challenge of Global Financial Crisis (SGF) companies, particularly in financial fields, have had to be leaner and more able to change and faster at doing it. EX. Wealth has started to develop a flatter management structure, with a matrix- reporting style and business units connecting with each other (Chapman, 2001). For instance, instead of all Human Resources (HRS) consultants sitting together in an HRS team environment, those dedicated to a particular business group, now ‘live' with their business, as business partners. Although they form part of Cane's team, they also have a reporting line through to their business manager.Echoing Chessman's (2001) work, Jane feels that this new organizational structure is more desirable as interpersonal relationships are developed and knowledge and understandings are shared between the HRS team and the business. 0. Smith, peers. Com) I en Tanta variable Tort ten contingency approach to management Is environmental uncertainty. Because uncertainty threatens an organizations effectiveness, managers will try to minimize it. (Robbins et al. 2009) Operating in a post-SGF world, EX. Wealth is facing uncertainty on numerous levels. There are constant threats from competitors and the market is still Jittery and unpre dictable at best.EX. Wealth has a large insurance division that has recently been onset by claims from the various natural disasters that Australia has recently faced. In short, there is not a lot about EX. Wealth's environment that is certain. According to contingency theory, stable environments suggest mechanistic structures that emphasis centralization, standardization, and specialization. (Robbins et al. , 2009) Unstable environments suggest organic structures, which emphasis decentralization to achieve flexibility and adaptability (Robbins et al. , 2009).EX. Wealth is effected by a rapidly changing and unstable environment and must evolve to ensure that it is able to operate efficiently through any uncertainty. An example of this was highlighted with an unprecedented retention issue with the Junior clerks in the Perth offices of EX. Wealth. Due to the mining boom, these staff were being lured away from EX. to earn significant amounts working in the mines. As hiring and retraini ng staff is an expensive exercise (and EX. Wealth was in no position to match the salaries on offer), the company offered an extended leave without pay program for Junior employees who had shown potential.This gave them time off to work in the mines and then they were able to return to their previous roles (Smith, peers. Com). The final variable for the contingency approach to management thought is that of individual differences: â€Å"Individuals differ in terms of their desire for growth, autonomy, tolerance of ambiguity and expectations† (Robbins et al, (2009) p. 4). This final variable, makes it clear why so many found the classical theories of Payola and Taylor so limiting.There are Just so many variables that could apply to motivating and leading individuals, that no classical theorist could cover them all. As Human Resources Director Jane Smith leads discussions at EX. Wealth on the remuneration levels of employees. Being a company in financial markets, employees who w ork in this industry are usually attracted by money. Thus, it has always been the main motivator for staff and all employees are eligible for performance related pay and company bonuses. However, since the SGF the focus on money as the main motivational tool has been lessened.Other benefits such as more flexible working practices (either with hours, or working from home), study support or the ability to ‘buy extra annual leave; have also been seen to highly motivate employees (Smith, peers. Com). As Mitchell and Nickel (1999) argue – money is an important motivator, but managers need to understand individuals – their attitudes, beliefs and behavior – before it will act as an effective motivator. In analyzing Cane's work as the Human Resources Director of EX. Wealth, it can be aid that she heavily relies upon the contingency approach to management.

Race and ethnicity in the United States Census Essay

Race is a biological entity, but it has been proven that the concept of race can be constructed or manipulated by societies that even though since an anthropological and biological perspective the barrier between races is very clear. Ethnicity isn’t a societal concept founded by the color of skin, since everyone knows individuals of the identical race have variations of skin color. For example in European circles, Middle Easterners such as Arabs, Jews, Iranians (Indo-Europeans or Aryans); North Africans like Berbers and Arabs; Latin Americans of pure Caucasian descent and Northern Indians and Pakistanis are not considered Caucasian or white, even though anthropologically and genetically they are. People can deny kinship or invent their kinship to people of other genetic markers if this makes them keep their status or way of life; this has to do with issues like migration, religion and the like. Race refers to the bodily and biotic features for specific sets of individuals. For example: anyone may recognize an individual’s ethnicity founded up skeleton construction, predominantly the cranium, since the various races have distinctive, skeleton structures. Diverse ethnicities have diverse bone concentrations. Afro-American’s have the thickest bone because they need to stockpile â€Å"calcium and vitamin D in their bones† because of the dusky color that does not allow the sun to simply infiltrate and produce the vitamins to protect their skeletal frame (Comer, 1972). White and Asian ethnicity produce smaller skeletal density since light skin permits the sun to infiltrate into the skin easier. This makes it easier to take up vitamin D from the sun. There are a large number of variations within ethical groups than may be condensed to tinier clusters of ethnic clusters. However, ethnic groupings are not unsubstantiated and illogical societal tags. There is a plethora of fabrication concerning race around, and most 19th century anthropology scientists that studied race were mistaken concerning many facts, however the entire theory should not be trashed. Even Darwin made mistakes concerning many facts, however it should not require the complete Theory of Evolution should be trashed as well.. A societal structure may function as an instrument of organization that sustains the domination of specific ethnic races and the subservience of other races. Race is described as being â€Å" ‘Race’ is first and foremost an unequal relationship between social aggregates, characterized by dominant and subordinate forms of social interaction, and reinforced by the intricate patterns of public discourse, power, ownership and privilege within the economic, social and political institutions of society† (Commer,1997). Ethnicity merely turns out to be genuine when societies act in other habits that cause subservience to last. It converts actual once society acts toward one another that maintain the subservience. Race often causes ethically emotional discourse which includes constant practices of displacement and ethnic suffering. Principles and individuality are also societal structures (permanent. The description of individuality by Sarikaya: â€Å"†¦identity is not only a story, a narrative which we tell ourselves about ourselves, it is stories which change with historical circumstances. And identity shifts with the way in which we think and hear them and experience them. Far from only coming from the still small point of truth inside us, identities actually come from outside, they are the way in which we are recognized and then come to step into the place of the recognitions which others give us. Without the others there is no self, there is no self-recognition† (Sarikaya, 2011). It is similar to a camera, the controlling scrutiny changes an individual to thing and â€Å"†¦the normalizing gaze [is] a surveillance that makes it possible to qualify, to classify and to punish, and it establishes, over individuals a visibility through which one differentiates and judges them† (Foucault,1991 pg. 25). Race has the capacity to change anyone into a historic minute outside of that which a person is unable to step out of. Race adopts the theory that there is a pattern of regularity and accurate, each person separate from this pattern should be conveyed to the pattern – the normalcy is considered to be a young, Caucasian, Christian, man. The societal imagination is a broad area that groups is now created, made-up, placed and formed by dominate dialogues and governing society. There is no social justice or injustice of classifying or not classifying people according to the race they belong to, some can say racial classifications are harmful to the unity of the group, that it causes racism, etc. It should not be something bad or something to be afraid of or something to avoid, there should be not prejudice in the concept of race, and everyone should be happy with their ancestry and celebrate their phenotype and genotype and not suffer prejudice from society for being descendant of certain people. References: Comer, J. P. , (1972). Beyond Black and White. New York, NY: Quadrangle Books. Retried from: http://kcmo. ent. sirsi. net/client/en_US/NKCPL/search/results/? ln=en_US&q=Beyond+Bla ck+and+White&rt=&rw=0. Foucault, M. , (1991). Discipline and Punish The birth of prison (2nd ed. ) New York, NY: Random House, Inc. Sarikaya, D. (2001). The Construction of Afro-Caribbean Identity in the Poetry of Linton Kwesi Johnson. Journal of Caribbean Literatures, (Spring 2011, Vol. 7, Issue 1, p161-175, 15p). Retrieved from: http://av4kc7fg4g. search.serialssolutions. com. ezproxy. apollolibrary. com/? ctx_ver=Z39. 88-2004&ctx_enc=info%3Aofi%2Fenc %3AUTF-8&rfr_id=info:sid/summon. serialssolutions. com&rft_val_fmt=info:ofi/fmt:kev:mtx:jo urnal&rft. genre=article&rft. atitle=The+construction+of+Afro-Caribbean+cultural+identity+in+t he+poetry+of+Linton+Kwesi+Johnson&rft. jtitle=Journal+of+Caribbean+Literatures&rft. au=Sar ikaya %2C+Dilek&rft. date=2011-01-01&rft. pub=Journal+of+Caribbean+Literatures&rft. issn=1086-01 0X&rft. eissn=2167-9460&rft. volume=7&rft. issue=1&rft. spage=161&rft. externalDBID=n %2Fa&rft. externalDocID=338524281¶mdict=en-US.

Cat in the Rain Essay Example for Free (#2)

Cat in the Rain Essay Cat in the Rain is a short story about an American couple on vacation to Italy. They are in their first year of marriage. The husband has a dismissive attitude towards the wife and the wife always wants more. In the story the couple has a lot of selfishness going on in their relationship. The husband ignores his wife’s needs and the wife and the wife is not satisfied with her husband. The theme of this story has a lot to do with loneliness in the couples’ relationship. In this story the American couple is trapped in their hotel room with nothing to do because of the raining weather. The husband wants to read and ignore his wife. So the wife is looking out the window and sees a cat crouched from the rain. She wants to go downstairs and get the cat. She tells her husband about it and he shrugs it off. The wife goes down herself and the story talks a lot about how she likes the inn keeper. I find that this part of the story most affected me when the husband ignored his wife’s wants and needs. She really wanted that cat because it was something for her to do and feel good about. Her husband obviously doesn’t satisfy her which makes her feel lonely and the cat would keep her company. The wife in this story wants to feel appreciated and loved like any other woman would. Being married for their first year is beginning to be hard for them. Hemingway tries to tell about a first marriage of a couple he once knew and how hard it is for some to always keep that happiness. Couples always have disagreements but should never feel alone. A husband should not ignore his wife’s needs and in this story that is what he does instead of trying to satisfy his wife. Close to the ending of this story the wife was not able to find the cat. She came back in the hotel room very sad. She tries to tell her husband but he does not listen. She starts complaining about what she wants to change about herself. She wants â€Å"her hair to be long so she can brush it† and she wants a cat. The husband can only say that he likes things the way they are. He tells her to shut up. He does not care what the wife’s needs are or what she wants. He does not want to listen and he just wants to read which is what he wishes she would do. This part of the story really interested me because I could not get as to why the husband doesn’t respond to what she asks for. The wife desperately wants attention and he is not giving it to her. The story of the American couple explains a lot about how the wife tries to get attention from the husband. Hemingway talks about a cat but behind that cat this story means more. The lack of attention her husband gives her may make her feel that she is restricted on expressing herself and keeps most of her feelings inside. The cat stays compact to stay dry outside, which is how the wife feels she has to be with her husband to make him happy. She hides herself constantly from him. In this story it relates to her as American wife and never tells her name. This kind of says that she is nothing but an American wife which is exactly how she feels. Hemingway had a unique way of telling the story but the way he told it had a lot of meaning to it. He showed the couples loneliness in a different way. Cat in the Rain. (2016, Dec 19).

Foundation Early childhood studies Essay Example | Topics and Well Written Essays - 2500 words

Foundation Early childhood studies - Essay Example ironment that emphasizes on morals and religion there is a high probability that those children will be well disciplined (Jones, Holmes & Powell, 2007). That notwithstanding the religious knowledge which was introduced to them at a tender age will enable them view the world from a religious perspective whereby everything has to be related to a supernatural god (Global Alliance for Advancing Hcd Programmes, 2010) In addition, child development does not entail only physical growth it is a multi-facet process that entails a lot of process ranging from cognitive development to the manner in which a child views things and reasons out (Fabian, & Mould, 2009). Human beings are social beings thus they will tend to imitate the behaviours of the people they interact with in their immediate environment (Derobertis, 1997). Children that are brought up in a surrounding whereby people are drunkard or possess any other undesirable trait will most likely grow up with the same trait (Taylor, & Woods, 2005). This basically because when the mind of a human being is young and developing the things that it was exposed to are prone to stick there forever unless that individual undergoes a total psychological dynamism in some point in life which may help to change the mind-set from previous habits (Meggitt, 2006). Human beings just like any other creatures undergo the process of physical development this is occasioned by repetitive differentiation of body cells leading to cell multiplication which in turn results to a living organism growing (Meggitt, (2006). According to the maturationist theory which was advanced by Arnold Gessel physical development in children is a purely biological process that occurs automatically to all children as long as they are kept health in an enabling environment (Fabian, & Mould, 2009). It goes on to state that the physical development process is predictable in the sense that by carefully analysing the progress in a child one is able to predict the