Tuesday, May 19, 2020
Expansion of knowledge in the modern era - Free Essay Example
Sample details Pages: 16 Words: 4939 Downloads: 1 Date added: 2017/06/26 Category Finance Essay Type Argumentative essay Did you like this example? Owing to the rapid changes and explosion of knowledge we have to combat with the modern era. Research is the basic requirement of this and for the forthcoming challenges of the commercial and materialistic world. So understanding phenomena and making my mind practically explore. Don’t waste time! Our writers will create an original "Expansion of knowledge in the modern era" essay for you Create order I joined FBL Arifwala and collected some data of the bank and compiled this report in such away that a salient feature to be highlighted for the researcher and concerning people of the bank. The division of this report consists of various chapters as in Introduction of Banking system, History of FBL, Marketing Operations. I discussed about the procedure of getting different type of loans and advances, then I discussed different departments and its function. I discussed the SWOT analysis of FBL. I gave different type of conclusion and recommend to different problems. History of FBL Faysal Bank started operations in Pakistan in 1987, first as a branch set-up of Faysal Islamic Bank of Bahrain and then in 1995 as a locally incorporated Pakistani bank under the present name of Faysal Bank. On January 1, 2002, Al Faysal Investment Bank Limited, another group entity in Pakistan, merged into Faysal Bank Limited which resulted in a larger, stronger and much more versatile institution. Faysal Bank Limited is a full service banking institution offering banking facilities to its individual and corporate customers. Our widespread and growing network of branches in the four provinces of the country and Azad Kashmir, together with corporate offices in major cities, provides efficient services in an effective manner. Faysal Bank also operates standalone Islamic banking branches under Barkat Islamic Banking brand. Faysal Bank is a progressive financial institution, forever striving to offer innovative products and quality services in easily accessible ways for greater customer convenience. We offer value added deposit products and customized consumer financing solutions. We also offer a host of corporate, commercial and investment banking services which include funding and trade finance facilities and corporate advisory services, along with a wide array of tools to help customers achieve their business goals. The strength and stability of Faysal Bank Limited is evident through the Credit Rating of AA (Double A) for long to medium term and A-1+ (A One Plus) for short term assigned to it by both JCR-VIS Credit Rating Company Limited and Pakistan Credit Rating Agency Limited (PACRA). The majority share holding of Faysal Bank is held by Ithmaar Bank B.S.C, an investment bank listed in Bahrain with the balance shares in the hands of general public, NIT and other Pakistani institutions. introduction of fbl arifwala FBL inaugurated is new branch at Thana Bazar Arifwala in December, 2008. On the very first day Bank gained deposit from different customers almost four lacks. The major competitors of FBL are Habib Bank, Bank Alfalah, The Bank of Punjab and The National Bank earned the huge profits. Therefore, to gain the business FBL launched its Arifwala Branch with bright and clear vision of customer service. In short period of time branch achieved tremendous deposits. Volumes and prove his reorganization in banking industry of Arifwala. Introduction of FBL Vision Statement Excellence in all that we do. Mission Statement Achieve leadership in providing financial services in chosen markets through innovation. Core Values Our daily code of conduct. structure of fbl Organizational Structure (Organizational Chart) 3. business operation 3.1 branch structure 3.2 SWOT ANALYSIS Strength FBL developing delivering the most innovative products. The customers are satisfied with the bank services. Branch Manager and Area Manager having good coordination with staff and make environment friendly. Customer gives suggestion for the improvement of bank. Bank is having the security system like /CCC. Employees should be provided sufficient salary so that he may work whole heartedly and devotedly Bank provides entertainment facilities to every customer. Backed by strong Ithmarr Bank B.S.C an Investment Bank. FBL is pursuing the path of excellence keeping in view the satisfaction lf its Customers. His priority is the best service to his customers. FBL provides the fiancà ©s assistance to every individual for car, home fiancà ©, and agriculture which facilitate bank to get market excellence and move towards prosperity and development. Weaknesses The bank is not educating about his products and services. The bank generally gives importance t o rich and educated people while ignoring the uneducated people. The bank should help his customer how to fill forms slips and cheque. The rural customer feel hesitant to enter in executive environment and have problem with language, (Language barrier / Urdu, English conversation. Less volume as compare to big cities. Mismanagement of time is another big mistake FBL branches. The bank is not quick in a Service to the Customers in depositing and withdrawing. OPPORTUNITIES: The new government strives to uplift the economy and do reforms in financial sector it will yield positive result in the banking industry of the country. Steps are taken by the Government regarding the betterment of the economy, small borrowers are attracted to get the financing and start small businesses. FBL faces hard Competition so he should take aggressive steps to increase its business. Introduces credit card facility. Establishing foreign branches FBL introduced number of financial schemes including Faysal Moavin, Faysal Izafa, Faysal Izafa plus, Term deposits etc. During few years FBL deposits have been increasing .this is very healthy sign. Threats        The Competition has become severe by the entrants of so many banks in the town. Excellent arrangements and good services are to be provided to satisfy its shareholders otherwise they will lose their confidence. The current economic situation of the country affecting the business activity. The economic conditions of the country are deteorating day by day and it doesnt make healthy effect on the banking system.  3.3 MARKETING STRATEGY Marketing policies are also one of the most important policies because they are related to the growth of the organization. Marketing for a bank would mean: Creation of new product and services. The bank marketing must be consumer oriented. To provide the maximum awareness of IT (ATM use) to customer. Provide better services to customer satisfaction. Avoid racism among customers. Customize products according to customer need. Provide good environment to customers so that they can easy feel FBL Arifwala branch offers a special rate to customer Advertisement policies of this branch are very attractiveness for customer These policies can be implemented by providing the facilities and services to the customer at the right place, at the right time, at the right price. It is necessary for the managers to keep in touch with consumers, observe their needs and develop products, which meets their needs. PROMOTIONAL POLICIES: Public relation and advertising has assumed a great significance in the modern banking business. The main objectives of the bank are to inform and motivate the existing clients as well as new ones. FBL establishes its purpose through The existing account holder. Actuate its own employees. Integration with business organizations. Community relations. 3.4 COMPETITIVE Edge: Same is the case with the services offered by Bank. Services are the main tool through which the bank acquires new customers and retain them. These services are not merely to earn profit, but to keep pace with the changing needs of the customers and modern days banking trends. These services include Home Remittances, Hajj Services, Utility Bills, Lockers and Commodity Operations. Along with these core services provided by the bank, online banking and Internet banking serve as supplementary services. Call Center: Centralized (24x 7) call center facilitate the customer all around the country. 24/7 call center 0800-111-325 Free service No charge for customers maintaining monthly average balance of Rs 500,000/- for Faysal Sahulat current accounts on the following services: Issuance of Pay Orders 120 per year. 1 small locker per customer (subject to the availability) Duplicate statement of account. Annual fee of pocket mate visa debit card. Issuance of check cheque book 100 leaves per year. Online Facility: Now the bank gives you the absolute convenience of instant access to a host of banking facilities and personalized services 24 hours a day, 7 days a week, 365 days a year. Online Features: In online banking Faysal Sahulat is the supreme. The account is specially designed to address the needs of those individual (joint, salaried, retired) and business customers who seek instant access to their funds at any FBL Branch across Pakistan. Balances can be checked from any Branch. Facility is available for the transfer of funds. Know the history of your account. Take the statement of your account through fax. Get information about currency exchange rates. Find out status of your card or loan application Instructions to stop payment are also available. Incase cheque book is lost, it can be reported. Facility to change address and telephone number is available. Internet Banking: Internet Banking offers the customers convenience to manage and control his banking and finances when she/he wants, where she/he wants! Its Simple, Convenient, Secure and Faster. So, just by clicking one can enjoy this facility. ATM card facility is also available. Convenience: Why visit the bank when you can better use your precious time to meet other commitments? With ONLINE, our special discounted charges also offer you substantial savings. 3.5 Business process analysis PRODUCT AND SERVICE: FBL is a progressive bank striving to offer innovative products, easy accessibility, quality service convenience to our customers. We offer customized financing solutions with flexible criteria and convenient loan tenures. You can avail car, home and personal loans through our various branches. We also offer a host of Corporate Investment Banking Services to our clients, which include financial and corporate advisory services, along with a wide array of tools to help them achieve their goals. Deposit Accounts Consumer Loans Faysal Savings Account Car Finance Rozana Munafa plus Account House Finance Basic Banking Account Faysal Moavin Faysal Premium Faysal Izafa Mahfooz Sarmaya FCY Saving Plus Corporate Investment Banking Services Corporate Financing Pocket Mate Visa Debit Card SME Finance Trade Financing Transfer of Funds Treasury Capital Markets Safe Deposit Lockers Investment Banking Non-stop Banking Agricultural Financing Cash Management Account Opening Activity: Required docoument: NIC copy of customer Introducer ID Copy. Business Card/ Salary slip. Customer: The person who actually open the account or getting services. Introducer: Introducer is a person having the account in same branch and gives guarantee about the customer. If the introducer is not proper than state bank charges RS 5000/- per head from that employee of the bank who has opened the account of the customer on the request of the introducer. Procedure of Account Opening: First of all, the customer is required to fill an application form. Then he attaches the photocopy of his identity card and fills the signatory cards. Now he fills the pay-in slip and deposits money on the counter. Bank allotted an account number within one day after confirming from the head office which is at Mall road Lahore. Now he fills the pay-in slip and deposits money on the counter. Account holder Documents: Applicant Form. Signature card Next of kin Account Opening Form: Account opening form consist of Category of account Currency Title of account Account number Customer information Initial deposit Authorized person in case of customer death Specimen Signature Card: Specimen signature card is kept to check the correctness of signature. (According to NIC) Next of Kin: In the next of kin the customer authorized the bank to pay the proceedings of her/his PLS/Current foreign currency account to the related person by describing the relationship of the person with the customer after the death of the customer. Letter of Thanks: After opening an account the bank will issue the letter of thanks to the customer. Issuance of Cheque Book: Cheque book is issued to the customer after sending the letter of thanks when the customer comes with the latter of thanks and requests for the issuance of the cheque book. A cheque book (usually having 25 leaves) is issued to the customer. Closing of Account: The customer can close the account. The customer is required to submit an application for closing the account. The account is closed out and his balance is paid to him after deducting the closing charges. There are many reasons for closing of account Account holder Owen request Death of account holder Closing of account due to the bad manners of account holder Required Procedure for Opening an Account: First of all, the customer gets an application from the bank, which requires all information necessary for opening account and also the documents required. An account can be opened as: An individual account Joint account Proprietorship account Limited company account Partnership Information Required by the Bank: Name Address Telephone No. Currency of Account Nature of Business Country of Residency Special instructions regarding the account Signatures Documentation In case of limited company accounts: Photocopy of National Identity Card of each director Application form Copy of companys memorandum and articles of association List of directors Copy of board resolution Certificate of incorporation Their signature cards Certificate to commence business Documentation In case of Partnership Account: Application form A copy of partnership deed Signature cards of partners Registration certificate copy A copy of National Identity Card of each partner REMITTANCE DEPARTMENT ACTIVITY The need of remittance is commonly felt in todays business. A major function of any bank is to transfer of funds from one place to another. FBL uses the following modes of transfer of funds. a)        Demand draft (DD) b)        Pay order (PO) c)       Call deposit d)        Pay slip Demand Draft It is instrument, which is used to transfer amount from one city to another city it can be made on cash as well as on cheque. If it is made through cheque that it is necessary that person must be A/c account holder while in case of cash any person can make. The demand draft is secured mode of payment. It consists of three copies. 1)       Original copy, which is given to account holder. 2)       DD advice is sent to the central branch. 3)       Third copy is for reconciliation. Its photocopy is kept with us (bank) While original is sent to head office for reconciliation. Procedure The client who wants to transfer his fund from one place to another he is required to fill the banks slip (DD). Beneficiary name Applicants name Address Amount to be sent etc. Bank deducts some charges against DD. CASH DEPARTMENT ACTIVITY Cash department of FBL works under the operation department. This department is given the complete responsibility of cash, as result of transaction in touch local and foreign currencies. It is also responsible for the book keeping of these transactions and the safe custody of cash. This department performs the main function. a)        Cash receipts b)       Cash payments Cash Receipts The customer deposit the amount with deposit slip to cash counter. The officer check the amount according to slip and confirm with computerized receipt to the customer. CASH PAYMENTS OF CHEQUE Mr. Tariq deals with cash payments the process for payment of cheque local and foreign currency is same. First the cheque is presented by the customer or holder to cash payment officer. He confirms that it is drawn on the same branch and the particulars of cheque are properly filled in. Two signature of the holder is taken on the back of the cheque. Cheque is handed over to the officer cash department for scrutiny where officer checks the date, amount in wor ds and amount in figures, payees name, crossing if any, account number, cheque serial number, any material alterations / endorsements and signature of the customer. Account is debited and then the officer cancels cheque. It is posted in the system and posting stamp and number is affixed on it. Cheque is handed over to the cash payment officer for payment. One more signature on that back of the cheque is taken from the holder to match with the first one, and then cash is paid to the cash detail is written on the Back of the cheque. Cash paid stamp is affixed on the face of the cheque. Entry is passed in the cash payment register and system. Consumer Loans ACTIVITY Faysal Car Finance: Plan your finances in a way that is straightforward, affordable and easy to attain, now its easy to be in the driver seat! Faysal Car Finance is available for Locally manufactured vehicles Tenure up to 5 years Variable rate lease (12 month KIBOR + 5% annually) Minimum customer equity 20% Eligibility Criteria Applicant should be between 21 years to 60 years of age. With 3 years of employment or established business. Documents Required For Salaried Individual/Professional Individuals Attested copy of CNIC (please bring original CNIC for verification) 2 recent passport sized photographs. Proof of income (Salary Slip/ Salary Certificate) Proof of profession/business. Bank statement for past 12 months. Copy of latest Utility Bill / Bills of Cell phone / Credit Card Bills. NTN Certificate. Copy of valid driving License. Duly filled application form. Faysal Home Finance Live a happy and carefree life, away from financial worries, in a way that is straightforward, affordable and easy to attain. Faysal Home Finance is available for Buying a new home Building a new home Renovation of existing home For Buying a Home Maximum financing amount available is 70% of the market value of property Repayment period is between 3 years to 20 years. For Building a Home Maximum financing amount available is 70% of value of land plus construction. Repayment period is between 1 year to 20 years. Repayment is monthly installments. For Renovating Home Maximum financing amount available is 50% of the market value of property or Rs. 20 million, whichever is lower. Repayment period is between 3 years to 20 years. Repayment In monthly installments. Eligibility Criteria Applicant to be between 21 years to 60 years of age, Resident of Pakistan or a non resident Pakistani. With 2 years of employment of which at least 1 year at present place of employment or 3 years established business. Applicant is tax payer and holds a valid NTN. Document Required Attested copy of CNIC (please bring original CNIC for verification) 2 recent passport sized photographs. Tex returns for past 3 years. Bank statement for past 12 months. Copy of latest Utility Bill / Bills of Cell phone / Credit Card Bills. NTN Certificate. Faysal Personal Finance Get rid of your financial anxieties. Live comfortably in a straight forward, affordable and easy to attain way. Faysal personal finance for is available for Up to an amount of Rs. 5,00000/- Equal monthly installment. Repayable over three months. Eligibility criteria Applicant to be between 21 years to 60 years of age. Minimum net income 30,000/- per month. Applicant is tax payer and holds a valid NTN. Corporate and Investment ACTIVITY Corporate Financing: FBL Limited is fully geared to meet the changing economic challenges present in Pakistan. We are ever striving to build meaningful relationships with our customers and become partners in their growth and progress by acting as financial advisors and consultants as well as financiers. Our Corporate Finance Group extends both short and long term financing facilities designed to fulfill the individual need of each corporate customer. Small and Medium Enterprise Financing: Small and Medium Enterprise (SME) unit of the Bank is geared towards catering to the banking requirements of small to medium businesses in a timely and therefore cost effective manner. All the branches of FBL are equipped to speedily attend incoming financing requests from SMEs. We help our customers grow from strength to strength by acting as their bankers and financial advisors. Trade Financing: FBL has established a strong presence globally in Trade Financing through its network, affiliates and correspondents. The Bank has conveniently maintained relationships with major banks in the international financial market and continues to develop new ones wherever needed. Our Trade Finance services include a full range of import, export and guarantee products, thus offering tailor-made solution to fit the individual need of each customer. Treasury and Capital Markets: FBL Treasury is one of the leading market makers in quoting competitive prices in all major currencies and provides dynamic corporate and institutional Marketing teams with up-to-date market information. Our cutting edge is the in-time advice and execution of deals for our customers. FBL treasury team strives to satisfy the customers financial needs in a timely and a flawless manner. FBL has earned immaculate reputation in the field of Capital Markets, which is quite evident from our track record and market share in this area. Investment Banking: With the ever-changing business environment in Pakistan, companies need expert partners with a keen understanding of business to help achieve profit objectives. At FBL, we offer the leaders of businesses and institutions, corporate advisory services and a wide array of tools to help them accomplish their goals. We advise and facilitate the arrangement of commercial paper, syndications, mergers, acquisitions and underwriting arrangements amongst many others. Whether the customers require financing of a project or managing of investments, we can guide them through the markets and tailor a solution to meet their specific needs. Agricultural Financing: FBL offers specialized products for the agricultural sector. The branches located in agricultural areas of Pakistan are all equipped to help the local farmers improve their yield and methods of farming by offering timely and affordable modes of financing to suit their needs. To increase its outreach into agricultural regions of Pakistan, FBL has entered into strategic alliances with other specialized banks through which it will be financing the needs of farmers. 3.6 Analysis: After working in that environment of FAYSAL Bank of Arifwala I found following point in analyzing Business Process of the Organization. Well-Defined Tasks and Duties: The tasks and duties are defined in such a way that it becomes very easier for the employees to perform their assigned tasks. Due to the implementation of modern techniques the efficiency and accuracy of the work force has been greatly increased. Proper Supervision: There is a proper supervision system to check and evaluate the performance of each employee. It is the duty of Operations Manager to make sure that every employee is giving the desired performance. Caring Environment for the customer: The environment of the bank is caring for the customers and every customer is dealt with proper care and attention. All the employees have very professional attitude and know the worth of the customer for the business. Cooperative and Supportive Staff: The behavior of the staff with the customers is very cooperative and every employee is ready to facilitate the customer on his best in order to increase the customers satisfaction level. Lack of customer relationship desk: It was observed that there was no customer relationship officer is the branch to guide the customer to solve their problems and to tell them that what should they do and where should they go for the solution of their problems. As a result the customers keep on disturbing all the employees in order to get their problem solved. Difficulty in Handling of Illiterate Customers: As the branch is located in such an area where main business is of spare parts and steel manufacturing, the majority of the customers is illiterate. Thus it is not very easy for the Employees to handle these customers. Increashed Workload: Due to the new regulations of the state bank to deduct 0.3% tax on every check amounting to more than 25000, the customers started issuing too many check to avoid this tax. As a result the overall work load on employees has been significantly increased. Employees Motivation: It was observed that at present motivation level of the employees is not very much high because of the currently announced salary increments, which is not up to the employees expectation level and because of some other reasons such as, increased workload etc. 4. LEARNING as a Student Intern 4.1 Duties Among different departments are the following. Fund Mobilization Department Remittance Department. Accounts Department Sorting of cheques and vouchers. Cutting of day end reports arranged and also put these into files. Punching of documents to put these into files. Copies at photocopy machine. Making of different expense vouchers for Branch. Making letter for sending to customer in case of dormant account. Stamps on completed vouchers for keeping of record. Making entry of completed vouchers into voucher register as well as into computer. FUND MOBILIZATION DEPARTMENT Procedure of customers Account Opening. Letter of thanks for sending to the customer against opening of Account. Entry of these letters into register before posting to customers. Pasting of Account opening documents into separate register after completion of Account opening procedure. REMITTANCE DEPARTMENT Stamps at the back of cheques for Token no. and detail of notes. Entries of these cheques into payment register of cashier as well as into token register. Filling up of cheques and slips in case of payments and receipts of cash. 4.2 ACCOMPLISHMENTS By performing above activities every one is able to perform all the activities of account department as well as fund mobilization department. 4.3 New knowledge Acquired The thing are learnt, Manage time for reach to the office as well as to finish my official work. Deal with customer according to their personality. Open an account with different procedure in case of different situation. Punch documents for putting these into files Copy at photocopy machine. Analyze different day end reports. Fill a different voucher which is use as daily routine I learn how analyze statement of affair I get a knowledge about procedure of issue of loan Know about agri finance department and about of activity Learn how mange finance and budget I learn the techniques, customers relation and negotiation skills. Problems Encountered During the internship, I had a little bit problems. Because the branch was newly established. I have problem to analyze the income statement but the senior officer helps me. Getting customer views regarding FBL _ Problematic, because customers are dissatisfied. Branch located is faraway from the business market ( Grain, Fruit, Vegetable) so the clients are reluctant to deposit huge amount of money. Bank has shown remarkable growth during the last years and earned profits. But in banking environment where other commercial banks are developing their system and providing more attractive packages to the clients. Agri finance dept offers loans to farmers more then 10 acres of land. FBL setup is new, working is fully computerized but there is no appropriate support i.e. shortage of IT equipment. Moreover ATM facility is not available for accountholders. 4.5 How Internship will Impact My Carrieer This internship at Faysal Bank will prove very important for me during my professional career. Because it was my first learning experience of working in a organization. It will be very helpful for me to show discipline, hard working and how work is done in any organization. No doubt it will prove a bright sign in my future. The following experience has gain during working with operational management. Control of Expenditure The studied that there should be a control on expenditure, which will help in increasing profitability of organization. In practical the things observed that branches reduce their expenditures and cost of services. Finalization of accounts The studied that organizations prepare their profits and loss accounts, balance sheet, cash flow statement and also monthly and annual reports. Practically analyzed that these statements along with customer accounts (transactions) are compiled on the daily basis due to efficient computer software Bank Smart. Information Management The studied that finance department is a decision tools to management, in practice it is analyzed that accounts department, prepared daily reconciliation regarding deposits, reports for management. Decision making 5. CONCLUSIONS AND RECOMMENDATIONS After spending six weeks at different departments of the bank, interacting with the employees, getting their views, observing the organizational structure and design, the following suggestions that can improve a few weaknesses observed in the bank. Flexible Policies The bank should be adopting flexible policies, especially in the areas of the recruitment, promotions, evaluation of the employees otherwise the high turnover observed in the bank will continue to create problems for the bank now and in the future. Job security Present, employees are not satisfied with the job. Lake of training and seniors Pressure provide dissatisfaction to the employees. Permanent Hiring The fresh hiring should be made permanent so that they are secured of their future. Further the allowances and perquisites attached with the permanent jobs will also increase the motivation level of the employees. Job Training Programs The bank should place emphasis on the organization of effective training and development programs for its new as well as existing employees so that these are gradually updated regarding the recent developments in the field of banking. Perquisites and Allowances The number of allowances and perquisites for the employees should be increased to ensure that they put their body and soul in the jobs assigned to them. Revival of the Charges The rates for the various charges provided by the bank should be brought down a bit, as it would result in increase in the number of customers of the bank. Adoption of Effective technology The current unibank system used by the bank is very slow in processing so my view is that the bank should try to adopt some other but more effective form of technology in order to provide comfort to the customers as well as the staff. Decentralization The higher authorities should form team-based management rather than centralized management. It would result in improvement in uplifting the morale of the employees. They will be more motivated and involved in all their operations resulting in overall effectiveness of the organization. Glossary BM Branch Manager OM Operation Manager CSO Customer Service Officer CRM Customer Relationship Manager CRO Customer Relationship Officer AOF Account Opening Form PKR Pakistani Currency A/C Account ATM Automatic Teller Machine PIN Personal Identification Number CNIC Computerized National Identity Card Number NTN National Tax Number OBC Outward Billing Collection CBR Cheque Book Request DD Demand Draft KYC Know Your Customer
Cause And Effect Of My Depression - 1337 Words
In college, I started off pretty much like everyone else. At first, I felt confident and ready. I felt Confident that I was going to succeed in all of my assignments, wake up with determination, and not make bad choices. I felt ready for the long hours of writing papers, finishing homework, and studying for exams. After the first semester, I realized that things are easier being said than done. Before long, assignments were piling up, due dates were near, and my stress levels were out the roof. The cause that led to my downfall in college was none other than depression. My depression has affected my academic life by causing me to procrastinate, which led to my lack of motivation, resulting in my poor performance in college. This Depression is hindering my daily routine, both at home and in school. It is an emotional illness, which occurs internally, but it can also effect a person’s physical activity. For instance, I am no longer energetic as I used to be. I stay in bed for lo ng periods of time during the afternoon. I wake up early to go to school, then I come home and take a nap on the couch; which is basically my daily routine. Instead of going outside and exercising like I used to do, I spend the majority of the day watching television. It is not because I do not have time to go outside and exercise, it is because I do not possess the inner strength that would lift me up from the couch and onto my feet. I don t even go out like I used to anymore! One of the reasons whyShow MoreRelatedConquering Mental Illness Depression Essays986 Words  | 4 PagesDepression is a serious issue that countless people struggle with; therefore the majority of physicians and doctors try to develop drugs, or new counselling techniques to help defeat this terrible foe, but perhaps neither of these solutions are the answer to defeating depression once and for all. Pam Houston suggests another solution in her short story â€Å"A Blizzard under Blue Sky†. 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Wednesday, May 6, 2020
I Am An International Student And English - 1063 Words
Last Tuesday, I had a meeting with my professor Ms. Barbara Jean Halls on her office CA-1115, Department of English. I visited her during regular office hours, before my next class at 5:30 pm on that day. She is my instructor who teaches me in a class APPLIED GRAMMAR III Section 180 Spring Semester 2016. Because I am an international student and English is a second language so that I have many problems with English for studying. In the interview, we discussed some issues about the way to improve English speaking, writing and reading. I made an appointment with her by sending an email to ask her helping. I explained that I need to get her advice. Then she gave me an appointment on last Tuesday as I mention above. When I came to her office room, she was busy with her student research paper. I was waiting a few minute to begin the interview. First of all, I told her that I am an international student so that I am limited to English, especially on speaking. She gave me some great advice that I should get in as many situations as I can to practice speaking. For example: joining a club or joining some activities that speaker uses English and tries to make a chance to talk with them. As she said, a problem for English speaking is not only in me but also is in an international student on this campus. They usually narrow down the group relationship with speaking their particular language. It means Korean students just speak the Korean language when they out of class, orShow MoreRelatedInternational Students Face Three Pri nciple Challenges1298 Words  | 6 PagesPaper 2 Nowadays, an increasing number of international students come to the State to pursue higher degrees. International students contribute significantly to the diversity of the campus, as well as helping to increase schools’ funding. However, lots of international students have to experience a tough period in the State, due to culture difference and the language barrier. People might notice that most of the international students are shy and don’t talk too much in the class. But peopleRead MoreUniversity Of Montana International Student Association1585 Words  | 7 Pagesessay on University of Montana International Student Association to discover the challenges, international students face when they moved away thousands of miles from their home country to study here at the University of Montana. Many face challenges from social (unfamiliar living circumstances), academic (learning style) to cultural (language, culture and personal barriers) issues. Some student s adapt easily to life here in Missoula while others experience difficulties. I began to wonder if these problemsRead MoreInternational Students Can Overcome Challenges935 Words  | 4 PagesInternational students face many different challenges when studying abroad. This is due to many factors. First, they are living in a country very far away from their own. The country they are studying at has a very different way of life than theirs. Further more, the laws in that country are much different than the laws in their own country. Due to that they face a lot of problems trying to adapt to this new culture. Me personally as an international student in the US studying at ASU, have facedRead MoreSigp Grant Proposal  Joel Alvarez-Rinconeà ±o. 1.Taking950 Words  | 4 PagesSIGP Grant Proposal  Joel Alvarez-Rinconeà ±o 1. Taking English classes first quarter and throughout high school has unearthed my deep-rooted passion and love for writing and reading. I am most excited for the opportunity to spread my knowledge and expertise to these young children about a language with such a powerful and complex history. Previously, I studied abroad in Santiago, Chile for two months. Participating in this abroad program reinforced and improved my adaptability in differing culturalRead MoreEssay On Resume In Aviation Management714 Words  | 3 Pages(Operations) at the Spokane International Airport. Dedicated to the advancement of professional skills and career. Committed to the support of the airport values and the highest standards of safety. QUALIFICATIONS †¢ Three certificates in ILUNO (The Intensive Language program at UNO) †¢ Training at one of the leading airports in Oman, which is Muscat International Airport †¢ Certificate in Public Speaking †¢ One of the Dean’s list and Chancellor’s list students in Aviation Management lastRead MoreLetter Sample Essay1188 Words  | 5 Pages I am writing to express my interest in the full-time position of ESL and TESL Teaching Assistant Professor in the Department of Linguistics. I am currently a doctoral candidate at Ohio State University (OSU) in Columbus with a specialization in Foreign, Second, and Multilingual Language Education (within the TESOL program) and an additional interdisciplinary specialization in Educational Technology. I completed my dissertation oral defend in June and will officially graduate in this early AugustRead MoreThe Importance Of Education In The United States1246 Words  | 5 PagesThe United States has the world’s largest international students’ population, over one million students, including me choose a broaden education and we are interested in new experiences and life, through living in the United State. I have dreams, want to broaden their outlook, want to get opportunities in a well-organized and varied education or a better job, or want to learn English. United States are one of the diverse countries they accept people from many countries. All people have differentRead MoreInternational And International Students At Universities1077 Words  | 5 Pagescampuses there is a group of students that commonly get over looked; the international students. International students make up a good majority of a lot of college campuses. Statistics have shown that 1,000,000 international students are enrolled at universities in the United States of America (Migration Policy Institute). I chose to observe a group of international students at universities, because this is a topic that is of interest to me. Since international students are so common at universitiesRead MoreMy Goals As An English Teacher Essay766 Words  | 4 Pagesgoals as an English teacher? As an English teacher, I am to teach not only the basics of language, but also the culture of my country and other English speaking countries. Another aim through the teaching of â€Å"real language†, so that students can excel in an English speaking country free for the constraints of a purely academic approach. 2. What is your philosophy of teaching? I believe that students can only learn when they are engaged, through my teaching in China I engaged the students through learningRead MoreEssay about Statement of Purpose for Humanities Degree541 Words  | 3 PagesI have always wanted to continue my education abroad to build a successful international career and to improve my English. As the education system in England is quite different from that in Russia, I am applying for a one year International Foundation Programme at _____________ in order to enter an undergraduate course next year. Even though I have not decided yet what exact undergraduate course I will take for my undergraduate studies I am very clear that my future career would lie in the field
Essay Final Exam Questions - 740 Words
History 1302 Final Exam Spring 2013 On the day of the final, the students will be told which two prompts they will be required to respond to in blue books that the students have provided to the instructor. Essays should show a great deal of thought and range between â€Å"short answers†and formal essays, leaning closer to the idea of an essay. The student may have one page of handwritten notes on a standard size sheet of paper (8 ½ X 11). Bring this sheet with you to the final. 1) The events at the 1968 Democratic national Convention in Chicago suggested to many that the nation was disintegrating. But, as the authors of the textbook have noted, the tensions that seemed so palpable that summer had been long in developing and had â€Å"revealed deep†¦show more content†¦In what ways did the medium of television news shape U.S. public opinion from 1945 to 2000? In what ways did various groups use the news to advance their causes? Did television news dictate America’s foreign and domestic policy? Ultimately, was the power of the television news a positive or a negative force in American history? 6) Why did the American nation become embroiled in Viet Nam? Was it following the same impulse that led the United States into the forefront in Korea, or was it something different? Did we commit to the engagement with certainty, or was it something that we backed into reluctantly, but had no real choice? 7) Many of the â€Å"Great Society†programs of LBJ are still part of the American fabric today. Discuss four programs from the â€Å"Great Society†that still benefit America today. How â€Å"progressive†were these programs? Were they radical in their nature, or long overdue? 8) FDR had hoped that the wartime alliance between the United States and the Soviet Union would continue in the postwar world. Yet the two nations s oon became locked in a global conflictShow MoreRelatedQuestions On The Final Exam2872 Words  | 12 PagesOmar Alharthi Prof. Hagstrom LING 408 12.7.2014 Final Exam Part 1 Discuss briefly any four of the following topics (about 100-300 words each). Provide examples to illustrate your discussion. a. Aspect: Aspect grammatical category of verbs denotes the flow of time related to the event they express. Unlike tense that is semantically rather related to the event in time, aspect is about time moving through the event (Riemer 314). The difference between, for example, â€Å"I walked†and â€Å"I was walking†isRead MoreFinal Exam Essay : Questions1808 Words  | 8 PagesSergio Leal Political Science 2301 26 June 2016 Final Exam Essay (Topic 1) Within this class’s short amount of time, I have learned a great amount in what our government is as whole and what specific roles it has on our society. One of my favorite things that we were assigned was to go over the constitution and the amendments within the document, and although I had a fair share of knowledge of what it was about, there were a few new things that I had learned from sitting down and reading it. I wasRead MoreFinal Exam Questions On Sociology1284 Words  | 6 PagesFinal Exam Essays ïÆ'Ëœ Description of your Growth and Learning this Semester o When I decided to take sociology it was because I needed the course. I had very little knowledge about things we discussed throughout this class but I’ve learned a lot of new and interesting things from class discussions. I took helpful notes and facts from articles and the online readings. They have also really helped me and given me insightful information. For example, when we did the activity with the colored beads.Read MoreBus 401 Final Exam Questions1745 Words  | 7 PagesBUSINESS LAW 401 – FINAL EXAM 1. Name three ways to finance a new business. 2. What is the primary purpose of federal bankruptcy law? a. To protect creditors b. To treat all creditors equally c. To preserve business relationships d. To discharge the debtor from burdensome debts by giving him a fresh start 3. Martha started a flower shop as a sole proprietor. After one year, she was forced to close the shop because business was so badRead MoreEssay on IS 3340 FINAL EXAM QUESTIONS1653 Words  | 7 Pagesï » ¿FINAL EXAM: QUESTIONS 1. Which core part of an operating system provides essential services? a. Service b. Driver c. Kernel $ d. Module 2. Which among the following is the process of proving that provided identity credentials are valid and correct? a. Identification b. Authentication $ c. Authorization d. Nonrepudiation 3. The ability to run a backup is an example of which Windows feature? a. Permission b. ACL c. Capability d. Right $ 4. Which among the following is the best reason toRead MoreAccountancy Final Exam Questions Essay997 Words  | 4 Pages1) Hahn Company uses the percentage of sales method for recording bad debts expense. For the year, cash sales are $300,000 and credit sales are $1,200,000. Management estimates that 1% is the sales percentage to use. What adjusting entry will Hahn Company make to record the bad debts expense? Debit Bad Debt Expense $12,000, Credit – Allowance for Doubtful Accounts $12,000 2) Using the percentage of receivables method for recording bad debts expense, estimated uncollectible accounts are $15,000Read MoreExam Topics and Questions (the Final Diagnosis)1561 Words  | 7 Pages served in the Royal Air Force from the start of World War II in 1939 until 1947, Soon he went to live in Canada. Most of his novels were written in the period between 1960s and 1990s. These are Flight into Danger, Hotel, Wheels, The Final Diagnosis. Hailey was best known for writing Airport. Several of them were made into TV shows and films. Airport was adapted to the big screen in 1970 and helped launch the disaster movie genre. Airport became a blockbuster movie with stunningRead MoreCis 336 Final Exam Questions with Answers645 Words  | 3 PagesCIS 336 Final Exam Questions With Answers http://www.homeworkwarehouse.com/downloads/cis-336-final-exam-questions-with-answers/ CIS 336 Final Exam Questions With Answers Question 1. Joe works for a company where the IT department charges him for the number of CRM login accounts that are in his department. What type of IT funding model is his company deploying? Question 2. This project cycle plan chart looks very much like a bar chart and is easy for management to read because of its visualRead MoreAcct 551 Final Exam (Questions with Answers)685 Words  | 3 PagesACCT 551 Final Exam (Questions With Answers) http://www.homework-bank.com/downloads/acct-551-final-exam-questions-answers/ ACCT 551 Final Exam (Questions With Answers) 1. (TCO C) Redstone Company spent $190,000 developing a new process, $45,000 in legal fees to obtain a patent, and $91,000 to market the process that was patented. How should these costs be accounted for in the year they are incurred? 2. (TCO D) Total payroll of Watson Co. was $920,000, of which $160,000 representedRead MoreFinal Exam Questions : 139 Deaf Culture1172 Words  | 5 PagesFinal Exam Questions-CDDS 139 Deaf Culture 2. Describe the ways in which Deaf culture is different from American culture in terms of communication and sharing of information. Deaf culture is different from American culture in a variety of ways. First off, the way these two cultures communicate is quite different. In Deaf culture, individuals communicate using ASL while in American culture individuals communicate mainly in English. Secondly, American culture is an individualist culture where sharing
Strategic Analysis Dell Computer Corporation
Question: Discuss about the Strategic Analysis for Dell Computer Corporation. Answer: Introduction Dell Inc. being one of the major contenders in the computer manufacturing industry is an American multinational company that develops computer technology, sells, supports and repairs products and services related to computers. As per Bettis et al, Dell Inc. is ranked in the 44th position in the Fortune 500 list of worlds largest technological corporations. It ranks 3rd in venturing personal computers after Lenovo and HP (Bettis et al., 2016). The target markets of Dell are college students, corporate executives and home usage as dell manufactures home desktops which are customized. This report further gives details about the SWOT Analysis of Dell Computer Corporation. Internal Environment Analysis It is the largest personal computer manufacturer in the world. Dell has a wide variety of services and products which makes it one of the worlds most popular brands. It is the first company to offer on-site service, next day service in the world of computer manufacturing. Dell is renowned to use latest technology and align with model based on customer business (Bettis et al., 2014). Dell follows a model of Direct Model which facilitates the company to have relationship with institutional and corporate customers that are direct in nature. As Dell directly reaches out and supplies to the customers, thus, its operative cost is very low in comparison to its revenue. It also provides high class service to its customers both after and before sales. It is capable of adapting latest technologies in comparison to other companies which use distribution channels that are indirect in nature. Service, reliability and support being the business mantra, Dell systems are successful in fulfilling every customers specifications with its system. Dell has fine acquirement, production and distribution procedures which allow customers to avail powerful systems that too at cutthroat prices. Dell basically assembles the components which are manufactured by the supplier. This usually costs cheap labor. The finished product is then supplied delivered by courier to the customer directly (Eden Ackermann, 2013). Dell completely controls over the supply chain and keeps the cost of inventory low by turning the inventory for six days. By applying internet efficiencies more and more Dell is increasing its competitive advantages and broadening its business. There are many companies from different countries which supply a wide range of components and products to Dell which makes it depend on the suppliers exclusively. Dell is unable to alter supply as it is a computer assembler or maker and not manufacturer. The differentiation of products of dell is very limited. There are no adequate patents for improvement and innovation in Dell as innovation can only occur by the manufacturers of the components. Dell is unable to attract the market segment of college students which generate only 5% of the total revenue (Hill, Jones Schilling, 2014). Dell has been unable to form better deals with educational institutions as it has been concentrating more on governmental and corporate institutes. The direct method of not dealing with distribution channels and opting for customization is not suitable for home-users (Hitt, Ireland Hoskisson, 2012). Buying Dell products takes longer as the products are customized in accordance to the specifications which makes it burdensome for the customers. The dealer and retailer association is absent in Dell, as a result there is no constant supply of personal computers, therefore, its market is unpredictable. Dell introduces various ranges of new products which enhances its diversification strategy. The customized products of Dell open up opportunities for the customers who are buying for the second time to avail computers with additional or new features as people are broadening their knowledge about technology, thus, enhancing research and development (Hitt, Ireland Hoskisson, 2012). The Internet opens up opportunities for Dell to further grow as customers can directly visit the website of Dell and get information or place orders. As Dell has its website, it is convenient for the customers to get their product by buying online rather than taking out extra time and giving extra effort to shop at physical stores. Dell is strengthening its presence in smartphone and tablet markets. Engaging itself in acquisitions and mergers shall provide more patents to Dell. Dell is concentrating and strengthening in markets that are emerging. Expansion of enterprise solutions and service businesses shall prove to be beneficial to Dell. Dell takes advantages by creating products that are environment friendly and of reduced price. The products are also smaller in size with reduced weight and are energy efficient. Proper utilization of companys knowledge and strengths is crucial in the venture and exploration in to new segments of the market and execute its strategies. The strengths and the threats faced by a company figures out to what extent the company can import and export products (Rothaermel, 2015). Resources and Competencies of Dell Dell uses internet based distribution channel. This has helped it to operate independently without retailers and dealers. Dell pioneers in selling its products to its customers directly. While selling products to institutes and corporate, there is a contract and it sends its sales team for direct selling. The small businesses and home customers directly buy the product from the internet, email or telephone. Dell has a clear understanding of the consumers needs and provides service accordingly. As per Swayne, Duncan Ginter, the business model that Dell follows is custom based which is very flexible and efficient at times when the market is high and the customers demand is to get latest technologies at competitive prices (Swayne, Duncan Ginter, 2012). The business model of Dell was exclusive in the technology industry which got enhanced by the advancement of internet. Thus, Dell had to constantly develop its supply chain along with improving manufacturing and assembling processes. Ac cording to Ward Peppard, Dell recruits, provides training and retains skilled and capable workforce, maintains a healthy working environment in order to improve efficiency (Ward Peppard, 2016). These resources and competencies have enhanced profitability. Issues and Recommendations The issues in Dell mainly revolve around the components supplied from different companies. If a single component is faulty while operating, the whole personal computer becomes faulty. The quality blame then goes to Dell being the final product delivering company. In spite of efficient quality checking, the overall performance of the product is recognized under Dell. Therefore, Dell should think of starting its own lines of manufacturing rather than depending entirely on other suppliers so as to ensure high quality performance. Conclusion Dell has developed a lot right from upgrading systems for domestic businesses to providing products such as personal computers, peripherals, televisions, notebooks, printers, scanners and servers. Through the analysis of Dells internal environment and strategies it could be concluded that careful and intricate management of capabilities and resources have been the backbone of Dells success. References Bettis, R. A., Ethiraj, S., Gambardella, A., Helfat, C., Mitchell, W. (2016). Creating repeatable cumulative knowledge in strategic management.Strategic Management Journal,37(2), 257-261. Bettis, R., Gambardella, A., Helfat, C., Mitchell, W. (2014). Quantitative empirical analysis in strategic management.Strategic Management Journal,35(7), 949-953. Eden, C., Ackermann, F. (2013).Making strategy: The journey of strategic management. Sage. Hill, C. W., Jones, G. R., Schilling, M. A. (2014).Strategic management: theory: an integrated approach. Cengage Learning. Hitt, M. A., Ireland, R. D., Hoskisson, R. E. (2012).Strategic management cases: competitiveness and globalization. Cengage Learning. Mellahi, K., Frynas, G. (2015).Global strategic management. Oxford University Press. Rothaermel, F. T. (2015).Strategic management. McGraw-Hill. Stead, J. G., Stead, W. E. (2013).Sustainable strategic management. ME Sharpe. Swayne, L. E., Duncan, W. J., Ginter, P. M. (2012).Strategic management of health care organizations. John Wiley Sons. Ward, J., Peppard, J. (2016).The Strategic Management of Information Systems: Building a Digital Strategy. John Wiley Sons.
Intention in the design of London Aquatic Centre †Free Samples
Question: Discuss about the Design of London Aquatic Centre. Answer: Intention in the design of London Aquatic Centre The London Aquatic Centre was designed with the intentions of presenting the fluid geometries of water. The design offers the concepts of water in motion while creating space for accommodating more people[1]. The intentions of fluid geometry are also presented with the design of the wave enclosing pool which is enclosed at the center of the building. Moreover, from the design, it is clear that Zaha Hadid wanted to connect the design of the building with the surrounding environment. The building is designed to reflect to the riverside landscape of Olympic Park which is near. Moreover, the fluidity design intentions are also evident from the type of roof used[2]. The roof sweeps up from the ground providing a concept of fluid wave. Even the interior design is able to reflect the fluid concepts all through. Waves are key part of the intentions which Zaha Hadid had while designing the building. References Futagawa, Yoshio. GA document 118. Tokyo: A.D.A. EDITA, 2011. Jodidio, Philip. Zaha Hadid, 1950-2016: The Explosion Reforming Space. Koln Taschen GmbH. 2016.
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