French Revolution and Napoleon Era Essay Example | Topics and Well Written Essays - 750 words

French Revolution and Napoleon Era - Essay Example Largely, the French revolution was considered successful premised on the ideologies of liberty, equality, brotherhood, democracy, hubris, fiscal responsibility and technology. The revolutionary’s slogan of â€Å"Liberty, Equality, Fraternity or death† captures their vision and aspiration for a new order and willingness to die for that cause (Kaiser & Kley, 2010). Their commitment to attain liberty and equality resulted to national liberation and legal equity. The liberals championed their ideologies on advocating for individual liberty and legal equality. Liberty created freedom for people to make choices for themselves, equality where no person being superior to the other, rationalism in which every individual would have the capacity of logical thinking, progress of society, science, and the economy and free market liberalism. These consequential liberal ideas advocated for a limited government that favored democracy. While chanting the spirit of brotherhood, the irate French citizens of Paris conducted the Bastille storm as a unit to express the people’s takeover of power. At the same time, Fiscal responsibility and Hubris were influential to the revolution owing to the crisis of King Louis XV, resulting from higher debts accruals; the tax increased on the citizens in order to pay up these debts to end the cycle of financial trap. The dawn of democracy also helped create a people’s elected government by adopting new political ideologies, equality for all persons and encouraging a limited form of government that championed the people’s interests. Moreover, the technology that was used during the French revolution including guillotine made people fear, being a new style of execution, and becoming the nerve of revolutionary justice. (Censer & Hunt, 2001) Thus, the French revolution was premised on enlightenment, citizenship, nationalism and inalienable rights, some of which would spill over to the American Revolution. Napoleoni c Era Napoleon Bonaparte was born on August 15, 1769 in the town of Ajaccio, Corsica; the Republic of Genoa which was transferred one year after the small island to France. On July 4, 1176, the American constitution and declaration of independence was signed in Philadelphia, Pennsylvania, then years following to July14, 1789 saw the final fall of Bastille, Paris because of brotherhood efforts of the French revolutionary, opening doors for the beginning of the revolutionary war challenging the old with the ideals of a new and better society. Culminating from the endless efforts of the revolutionaries, the Monarchy was abolished in France on September 21, 1792 in France establishing the first French Republic. Just a day after being convicted of conspiracy, King Louis XVI was executed by the French National convention using a guillotine in Paris on January 21, 1793. (Rose, 1935) On August 22, 1795, the French constitution was ratified by the French National convention during the times of the French revolution in France. A year later, the battle of Arcola took place, marking a decisive battle during Napoleon’s defeat of the third Austrian trail to raise the Siege of Mantua, making Napoleon disentangle himself from a very precarious position on 15-16 November 1796. In 1798 marked the French campaign in Egypt and Syria to protect French trading interests, diminish Britain’s presence in India and anchor scientific establishments in the region. On November 9,

Music falls Essay Example for Free

Music falls Essay This third activity was chosen because it provides the children with this means of communication, giving them the opportunity to express themselves freely. Doing this helps them progress emotionally and cognitively in all other areas of their learning. Music falls under Donaldsons construct mode, under value-sensing. She argues that emotion and thought are frequently related closely to one another (Palmer, 2001).  Neill (1927) also favoured music within the curriculum, as he alleged that it had a therapeutic function, particularly with children with psychological problems. He also acknowledged that it gave the less academically challenged pupils something they may excel at. This activity, therefore, assists in increasing the childs self esteem, giving them more confidence in other areas of the curriculum too. Differentiation  The possibilities for differentiation within this lesson are extensive. As it is a relatively free activity, the children can move as much, or as little as they like. Interaction from the practitioner could be by means of praising those who demonstrate effort and capability, or by encouraging the children to express themselves and by giving them the confidence to move as they wish. Those who do not attempt to join in could be partnered with others, to provide further encouragement and enjoyment. Evaluation  This activity provides the children with the freedom to move their bodies in ways which are normally considered inappropriate within the classroom. There is no specific way in which the children are required to move and so they have the opportunity to truly express themselves without the usual confines and barricades. Skinner (1971) believes that behaviour is not something a child is born with, it is shaped by consequences. The conditioning adopted by the setting determines the catalogue of behaviour the child has at his disposal (cited in Palmer 2001). Skinner recognised that children respond to positive re-inforcement. The practitioner in this activity praises the children, encouraging them to express themselves further. Bandura suggests that adults can gain childrens attention and highlight the behaviour patterns they want to encourage (David T et al, 2003). He suggests that the children will mimic the behaviour they see in others. In this activity, if the children see the practitioner praising one child as suggested by Skinner, their behaviour will be reinforced and this should encourage more of this behaviour. As the rest of the children bear witness to this development, Bandura suggests that they will reproduce this behaviour to gain recognition for themselves. This was apparent when watching the behaviour of the whole class. When one child became slightly over-excited and silly, others began to imitate him. The practitioner quickly took control of the situation by praising one of the children who was making slower, more gentle movements and the children responded swiftly by slowing their movements down too. Conclusion Each one of these activities proved to be successful. The children enjoyed them and were keen to stay on task throughout. The relevant areas and aspects of learning were adequately covered and the children gained a great deal from participating. From carrying out this research, it is apparent that it is necessary for practitioners to plan their scheme of work effectively in order to guarantee that the foundation stage curriculum is covered throughout the year. This work has examined the long, medium and short term plans and has explained why they are used. It has researched the emergence of the foundation stage curriculum and the ways it can be adapted and moulded to fit into many different types of early years settings. Using the three activities this work has established the theoretical underpinning of the curriculum and demonstrates the strategies which can be applied to differentiate the experiences effectively. Bibliography Books Bee, H. Boyd, D. (2004) The Developing Child, Tenth Edition USA: Pearson Education, Inc.  Boushel, M., Fawcett, M. Selwyn, J. (2000) Focus on Early Childhood: Principles and Realities Malden, Mass: Blackwell Science  Carnie, F (2003) Alternative Approaches to Education: A Guide for Parents and Teachers New York: Taylor and Francis

The Advantages Of Online Banking

The Advantages Of Online Banking What is online banking? As we all know online banking is something that we can pay bills by mail and deposit checks at your bank branch. Online banking is becoming much more common. You can pay your bills online and access a record of your checking account transactions online. Online banking is a great feature, and most banks do offer it. Online banking makes everything you do with your finances a bit easier. You can access the information anywhere that you have access to the Internet. It makes your financial life much easier to manage. Online banking refers to systems that enable bank customers to access accounts and general information on bank products and services through a personal computer (PC) or other intelligent device such as PDA or hand phone which enable to connect to internet or WIFI (Wikipedia, 2009). Moreover, online banking isnt out of change your money habits. Instead, it uses todays computer technology to give you the option of bypassing the time-consuming, paper-based aspects of traditional banking in order to manage your finances more quickly and efficiently. The advent of the Internet and the popularity of personal computers presented both an opportunity and a challenge for the banking industry. Financial institutions have used powerful computer networks to automate millions of daily transactions; today, often the only paper record is the customers receipt at the point of sale. Now that its customers are connected to the Internet via personal computers, banks envision similar economic advantages by adapting those same internal electronic processes to home use. Online banking is a powerful value added tool to attract and retain new customers. Besides it also help to eliminate costly paper handling and teller interactions in an increasingly competitive banking environment. Literature Nowadays, a lot of entrepreneurs launch the internet payment system in worldwide and the inter banking and telephone banking system spread rapidly. This system give the advantages of being convenient, safe efficient and economical (Li, 2002). Now entrepreneurs provide online banking as add-on services to the existing b ranch acitivies whole mobile banking is in the initial stage of implementation (Sylvie Laforet and Xiaoyan Li). Safety was also reported to be a big obstacle for online payment (Wong et al., 2004). With the increasing popularity of the internet, more and more industries are seeking ways to utilize this popular medium in an effort to keep up with the changing technological preferences of their customers. These days you can do just about anything online from grocery shopping to making a free phone call to a friend in Tokyo through your PC. The possibilities of the internet are seemingly endless and the banking industry has decided that it will not be left behind. While most people have at least heard of online banking, the majority of them have probably not tried it yet. Maybe its because we find more comfort in working with real people and real paper when it comes to money matters rather than performing transactions in the seemingly impersonal universe of the World Wide Web. Whatever the case may be, there are both advantages and disadvantages to online banking as a safe way to quickly and efficiently manage your finances. Howcroft et al. (2002) revealed that younger consumer value the convenience or time saving potential of online and mobile banking more than older consumers. Young consumers also regarded the lack of face-to-face contact as less important thean older consumers. They also found among the reasons for consumers to be reluctant to use online services were concerns over security, lack of awareness of online services offered by banks and complex bank sites. The evolution of the bank Web presence is simple web presence (Staticpages with general information about the bank), off-line interactive site (Customized contact with the client; online communication through e-mail) and internet banking services (Online transactions). Sathye (1999) investigates internet banking adoption by Australian consumers and identifies security concerns and lack of awareness as the main obstacles to adoption. Cheng et al. (2006) found perceived web security to be significant determinant of customers acceptance of online banking. Customers tend to increase purchase only if they perceive that credit card number and other sensitive information is safe. Websites are essentially a type of information technology. Direct confrontation is an internet transaction platform. Shopping websites allow customers to choose products based on their own needs and provide businesses with transaction platform through interactive communications to fulfill the transaction (Grace T.R Lin and Chia-Chi Sun, 2009). Entrepreneurial businesses are recognized as more informationally opaque than large and more established firms, and the collection of private information is costly (Ang, 1991). Online banking allows entrepreneurs to lower the transaction costs, incurred by transportation for instance, and access physically distant multiple lenders with much lower searching costs (Liang Han, 2007). Although online banking service is long introduce is western countries and widely used. However, in Malaysia, online banking is not so popular and online being used by certain sector. This might because of technology, knowledge of internet and trust among the consumer and businessman. Types of business using online banking are Bank, E-commerce, Online Game, Public Sector, and Private sector. Bank The concept of online banking rise from the Global Finance Houses whose primary objective was to ensure that customers were tuned to their finances from any part of the world. In Malaysia, Online banking is being introduced during year 2000 (b.shanmugam, 2000). Malaysia had started to introduce online banking to it nation through Maybank. However, during that time, internet is not so popular used and the online banking service is gone through wireless application protocol (WAP). Many complaints are received during that time due to the transmission of data is very slow. However, it has being improved after the encouragement of using broadband by Malaysia government. By introducing online banking in bank, the major functions of online banking is using for transaction. It enables customers to transfer their money to their account or other peoples account. As a result, customers no longer have to bring big amount of money walking around the street. What they just need to do is just one c lick in front of home computer (bankrate.com, 2009), for example CIMB clicks and Maybank2u.com. Beside from that, customer also can use online banking for payment. As online banking is functioned 24hours every day, user can pay their bills any time anywhere as long as connected to internet (Gerard, Cunningham and Devlin, 2006) and the proper function of the bank website. By the way, customers also can check there account status through online banking and any transaction that had being done before. Because of these conveniences, customers no longer have to queue up at the counter to wait for their turn. A part from that, ATM (Baba Prasad, Patrick Harker, 2009) also considers as one of the online banking system where is enable customer to withdraw money, payment, transaction and account checking. E-commerce Beside from the Bank are using the online banking, e-commerce sector also using online banking for their transaction of payment. Nowadays, more and more online store are available in the in the internet such as and many young generation are preferring for online purchasing. Every payment or transactions of money are done through online banking idle through ATM machine or personals computer. Online Game, Public Sector, and Private sector Nowadays, online games also provide online banking service for their customers to top up the credits or purchasing item for their online games. From what can be seing, many online banking website consist of online games advertisement and there will be a column for customers to top up. Beside from that, public sector such as government and private sector such as supermarket or own business also connected with online banking whereby to save time and cost (Banco Bank, 2009). With this service, any corporations or government sector can transfer any of money to others easily and all the transaction will be transfer in data form. Method Online banking products and services can include wholesale products for corporate customers as well as retail and fiduciary products for consumers. Ultimately, the products and services obtained through online banking may mirror products and services offered through other bank delivery channels. Some examples of wholesale products and services include (National bank of America, 1997): Cash management. Wire transfer. Automated clearinghouse (ACH) transactions. Bill presentment and payment. Examples of retail and fiduciary products and services include: Balance inquiry. Funds transfer. Downloading transaction information. Bill presentment and payment. Loan applications. Investment activity. Other value-added services. National banks of America have experimented with various forms of online banking for many years. Some of the early experiments involved closed systems where the customers accessed banks through a dial-in or cable TV connection. These systems limited a banks potential customer base because they required out-of area customers to either incur long-distance charges on their phone bills or subscribe to a particular cable TV service to access the bank. With the widespread growth of the Internet, customers can use this technology anywhere in the world to access a banks network. The Internet, as an enabling technology, has made banking products and services available to more customers and eliminated geographic and proprietary systems barriers. With an expanded market, banks also may have opportunities to expand or change their product and service offerings. Besides, now the most services that the companies use are; easy account maintenance, online bill payment, online balance transfer, accou nt alerts, rewards for going paperless. Easy Account Maintenance Online banking makes it easy to keep track of your balance and the activity of your accounts. For those who have multiple accounts with the same bank, many online banking systems allow for you to see the balances of all of your accounts on a single screen. You can also easily go back and forth between your accounts and monitor their activity with little to no hassle. Online Bill Payment Probably the most widely used advantages of online banking is the ability to pay bills online. Most online banking systems feature this capability, allowing for you to enter in your account information for your billers, to pay them directly from your bank account. A lot of banks even allow for recurring payments to be set up for those bills that remain the same each month such as mortgage, rent, car, and personal loan payments. Depending on the relationship your bank has with the biller your payments can be automatically debited from your account or an electronic check may be drafted and mailed to the biller. Any ways you look at these are all advantages of online banking: save you time, save money on postage, and provide the opportunity to avoid late fees with careful planning. Online Balance Transfer At some point you may find that you have to make a purchase and do not have enough in your checking account to cover it. However, you may have the funds needed in another account such as a savings account. One of the advantages of online banking is the ability to transfer funds from one of your accounts to another. This online banking feature helps to prevent insufficient funds, return check, and overdraft fees on your account(s). A word of advice about transferring from your savings account, try to keep this type of online banking activity to a minimum. Federal regulations prohibit an excess of six transactions from occurring on a savings account within a billing cycle. Account Alerts Another one of the advantages of online banking is the availability of setting up account alerts. Some banks offer account alert set up, where an email or even text message can be sent to you based upon certain criteria you select. For example, if you have a recurring bill payment where an electronic check is drafted and mailed, you could set up an alert to be sent to you advising when the bank has mailed out the payment. Other alerts include, weekly activity alerts, statement alerts, and low balance alerts. These alerts work to make monitoring your account easier. Rewards for Going Paperless All of the focus on going green these past few years, the last in the advantages of online banking list deals with rewards for going paperless. A lot of banks offer rewards in the form of rewards points or cash to help reduce the amount and cost of paper consumption. By opting to receive your bank statements online, increasing the use of online bill payment, and using your bank card more frequently your rewards could rack up significantly and youd be helping out the environment in the process. Improvement Online Banking Essential Security Measures Financial institutions and businesses are studying various approaches to the online banking security problem. The idea behind all the solutions is to include some extra layer beyond the user name and password that would act as a barrier to account access. The most popular approach that is used widely in corporate settings, involves physical objects that serve as keys. Most have focused on solutions using software, which might offer some improvement in security at much lesser cost. Bank of America began introducing a software-based program designed to prevent crooks from impersonating either a bank customer or the bank itself. Financial institutions and corporations engaging in any form of Internet banking should have effective and reliable methods to authenticate their customers. An effective authentication system is necessary for compliance with requirements to safeguard customer information, to prevent money laundering, to reduce fraud, to inhibit identity theft. The risks of doing business with unauthorized identified persons in an Internet banking environment can result in financial loss and reputation damage. There are a many different technologies and methodologies financial institutions can use to authenticate their customers. These methods include the use of customer passwords, personal identification numbers, digital certificates using a public key infrastructure, physical devices such as smart cards, or other types of authentication methods. Existing authentication methodologies involve three basic features: à ¢Ã¢â€š ¬Ã‚ ¢ Something the user knows (e.g., PIN, Password); à ¢Ã¢â€š ¬Ã‚ ¢ Something the user has (e.g., ATM card, smart card); and à ¢Ã¢â€š ¬Ã‚ ¢ Something the user is (e.g., biometric characteristic). Authentication methods that depend on more than one mechanism are more difficult to breach than single-feature methods. Accordingly, properly designed and implemented multi-feature authentication methods are more reliable and stronger to deter fraud. For example, the use of a login ID and password combination is a single-mechanism authentication (something the user knows) whereas, an ATM transaction requires a multi-feature authentication which is something that the user possesses (example: the ATM card) combined with something the user knows (example: PIN). Financial institutions offering Internet-based products and services should have reliable and secure methods to authenticate their customers. The level of authentication used by the financial institution should be at par level with the risks associated with those products and services that are offered. Risk assessments that indicate the use of single-feature authentication is inadequate, financial institutions should implement multi-feature authentication, layered security, or other controls to reduce or eliminate any risks. Another tip for banking online is to be very aware of Internet banking security. Identity theft is a real and growing problem today. As such, you need to be highly protective of your personal account information whenever doing transactions online. Make sure you never give personal information out over the Internet unless you are connected to a secure site. Also, store your access information in a secure place. Routinely check your computer for spy ware and viruses, protecting your identity this way as well. The important security feature you will want to make sure is in place with your online bank is encryption. Verify that the banking portal has high-end encryption software in place. If not, it might be advisable to choose a different banking option. You can verify this by looking for the graphic, which is usually located at the bottom right of the browser that signifies the encryption is in place. Last tip about Internet banking is to remember that some procedures are still affected by the business hours of the bank. Even if you transfer a balance at 8:00 PM, it may not show up on your account until the next business day. Plan your transactions accordingly if you are working on a tight budget. Use the Internet to shop for the best banking options. Check interest rates on loans and savings accounts online. The Internet can be a great tool in helping you secure the best possible banking services to meet your needs. The history of Internet banking has come a long way over the last six years, and it is only going to get better! Get connected to Internet banking today. Outcomes The Advantages of Online Banking. There is huge competition in online banking service in market and the new entrants into the services are providing huge benefits. First, online banking is convenient. It allows you to perform transactions, pay bills and check balances 24 hours a day, 7 days a week. The bank virtually never closes because it is as accessible as your PC or laptop computer. No matter where you are in the country or in the world, you can visit your online bank and handle money matters. You can even schedule to pay several payees ahead of time rather than keeping up with paper bills or trying to remember when to visit a payees web site to make an online payment. Your bank will automatically send the payments on your behalf in the amounts and on the dates you specify. For example, online bill payment is easier and less expensive than generating and mailing a paper check. Your bank may offer free bill pay services; if so, this saves the expense of ordering checks and buying stamps. Checks will be generated and mailed by your bank at your authorization. Plus, the checks will have the vendor names directly on your bank statements, next to the amount of the check and check number. This is not true for traditional checks. Meanwhile, online banking is also opposed by traditional bankers because a huge percentage of profit is taken away by the portal providers and the bankers are left to play as brokers who bring two parties together. But there are many online services provided by online banking that eased the customers and the banks. The transactions provided by online banking are cheap as compared to branch service and phone transactions. It is easy to set up a bank and the customers get wide range of banking options online. Online banking services include the provisions for ATMs and anytime anywhere anyhow banking that is also called Martini Banking. The automated service of online banking helps customers to easily set up an account and withdraw money at any time. The customers can get a mini bank statements and balance inquiry through ATMs that are widely available even in remote locations. The online banking service reduces traveling cost of the customer and anytime requirement of money is fulfille d. Many billings can be done from home; office through online banking and shopping can be done without carrying heavy cash in pocket. Banks are benefited from online banking as the overhead operation cost gets reduced and repetitive paper tasks can is prevented. The automated systems have better efficiency and control on a job and a proper documentation of all transactions can be availed anytime by the banks. Thirdly, online banking is fast, efficient and effective. Through the internet, transactions are typically performed and executed at a faster rate than ATMs. In addition, online banks give you the ability to handle several bank accounts such as checking, savings, CDs, and IRAs from one site. The majority of banking sites are also compatible with programs like Quicken and Microsoft Money, so as to allow for more effective management of assets. Moreover, if you need to verify your bank account balance, just signing to your banks online services. No more waiting for the bank statement or calling the bank to get your balance. To get an accurate balance, take the banks balance as shown online, subtract any outstanding checks, and add any outstanding deposits. On the other hand, easily download the transactions like banking and credit card transactions. Download banking transactions directly into our financial software as often as we like. If use the ATM card often, this is a must, because it keeps your bank balance current in financial software. So that wont have to worry about keeping all those debit card receipts. Besides that, it doesnt waste time entering credit card charges by hand download them! This is probably one of the biggest advantages of online banking, since entering credit card transactions manually can be very time consuming. It is ubiquity, because if youre out of state or even out of the country when a money problem arises, you can log on instantly to your online bank and take care of business every day. Lastly, online investment can be profitable if conducted with a bit of caution. Familiarity with a complement as well as procession of online investment is essential. Investing tiny amounts primarily helps to revoke a risk factor. Once we have been assured enough, a amounts can be progressively increased. Online investment should be finished after consummate research. Online investigate can be finished in a remoteness of your home. Other resources, similar to newspapers as well as monetary magazines additionally suggest benefit in tracking investment opportunities. The report accessible online is customarily correct as well as reliable, to confirm upon a volume of investment. The websites have been continually updated as well as a accessible report might have been posted only hours ago. Some conjectural monetary websites suggest quotes which have been merely mines old. Online report upon investment is accessible twenty-four hours a day as well as 365 days a year. While internet banki ng makes it easier for you to manage your money, it might make it easier to forget to check how much you have so you can budget. Online banking is a lot like using a credit card; the easy access makes it easier to spend without thinking about why you are spending. You can set up e-mail alerts to let you know how when your account dips below a certain number, but nothing beats looking at it yourself and keeping your checkbook balanced. Also, when you get a credit-card statement in the mail and open it on a monthly basis, you are instantly reminded to check if any strange charges appear on your account. Its easier to forget to keep track of such information online, and youll need to have good money management habits. Disadvantages Internet banking services provide a number of benefits to businesses sector. But while it also has its disadvantages, businesses who are wishing to join the trend need to know its disadvantages as well. Despite the growing popularity of internet banking, it cannot be denied that some people still remain doubtful doing transactions online especially where money is concerned. Although most of the banks already improve their security services in order to reduce people or businesses doubtful about doing online banking, but there are still a lot of disadvantages about this. Below will be a certain disadvantages for businesses sector. The most disadvantage of online banking in business sector will be a requirement for staff in financial department with skill that deal to the computer and browser. As a staff in financial department has a responsible in task such as accessing account information and bank statements, pay bills that related with business, transfer money from one account to another account or apply for a checking, credit or other types of account or apply for loans or even download forms. All of these tasks may require a particular skill from them to maintenance the interest for businesses. Some of the staff may lack of training and experience to complete all of this tasks. Thus, it will influence the daily work in businesses cannot be progress with more smoothly. Besides that, the increasing number of fraudulent bank websites that created by hacker also can be a disadvantage or risk for online banking in businesses. A fraud banking sites will bring a lot of impact for businesses because it causes the staff in financial department confuse with the fraudulent websites. The purpose of hacker to create fraudulent banking websites was believe to aim to trick businesses disclose their sensitive information. If businesses login into this kind of websites, then the disclosure financial statement or information might be happen. Additionally, it may possible also influence the staff in financial department cannot fully complete variety of task because access the fraudulent banking websites. Thus, it will bring an impact for the overall operation in businesses. Not only for this, fraudulent bank websites that created by hacker will try to send a fake email to some businesses in order to get their confidential information. Hacker will try to verify related company confidential information through guide them enter into fraud links. When businesses not realize that is fake email and access into the fraud links, it might possible disclose their particular account information or password. Hackers can break into nearly any computer system. Any online bank site you consider should have statements on the type of security they use. You should also e-mail the bank or head to the bank branch to find out exactly what would happen if there were a security breach and press the point or go to another bank if the answer is vague. In general, you should think of your money as being as safe online as it would be in a vault, but it is your responsibility to find out just how secure the bank is, if they keep their security systems up-to-date. Finally, you shou ld also make sure that you use security software on your personal computer to reduce the chance that anyone can get your personal data. Furthermore, another disadvantage for online banking that is computer and browser from particular businesses will affect by viruses and worms that hide in the fraudulent website and email. When businesses received some suspicious email and open it or access some fraud some links, a Trojan program named Trojan horse program will install our computer immediately and secretly. This kind of program was hidden in computer and we might not realize it since the program already installed in our computer. When businesses do not realize that and access the fraudulent websites or read the suspicious email, the function of the program will been active and try to capture businesses account and password. Through by this, the hacker can access the account and capture any information about the account. The main issue for most people is that of trust. They may wonder if their transaction went through successfully or if they clicked on the correct button. The best way to overcome this uneasiness is to make a habit of printing the transaction receipt. Keep this receipt until your bank statement or online account view confirms that you have successfully executed the transaction. Online banking sites can also take a while to start up and can be difficult to learn at first. Some banks require customers to provide some form of photo identification in addition to signing a form at one of their branches. Spouses may also have to sign a power of attorney if you both plan to access and handle your accounts together online. In addition to all of this, it may take a while to learn how to use your banking site. Most if not all banks will offer an online banking tutorial. Some even offer live customer support for online banking via chat, email, or phone. Clearly, online banking has both advantages and disadvantages. It simplifies life for some people and for them it is frankly a better way to bank. For others it may be a little more complex and downright intimidating. In light of these two perceptions, more and more banks are offering online banking as a viable option for their customers. Lastly, one of the biggest disadvantages is the absence of a physical location. Being able to make deposits to a physical bank account assures peace of mind; you dont have to wonder if your check is lost in the mail or when its going to be credited to your account. Conclusion Banking is one of the most important parts of our society and economy. Banks provide the basic lending capital for all of the transactions of our economy. Without them we would indeed be in a bad spot. Even with them sometimes we are in it really bad-such as now with the financial crisis, which is really a bank crisis. Without a bank how would you borrow money to purchase a car or a home? By collectively pooling our money in a lending institution we can make life so much easier for everyone around us. This is particularly the case when we dont have a great deal of capital ourselves. Very few of us actually have the money to spend on large purchases. Because banks are so important you need to know about a great new option many of them offer. In our highly technological world there are some great conveniences resulting from the internet. The internet allows us to share large amounts of information with great speed. We can look up all sorts of interesting information, send each other em ails, and write fascinating blogs. Another thing we can do is to look at important banking information and make important transactions. We buy and sell all sorts of things on the internet. Did you know that you can also do much of your banking online? You can check your balance and you can transfer all sorts of money around from checking and savings. There are all sorts of options that online banking will offer you, but you need to know some things about it first. As a conclusion, online banking is very useful to every layer of people in this community. It is more convenient and easy to use. Beside from that, by using online banking, it save a lot of time and cost among each other and people no longer have to queue up in a long line at a counters to wait for their turn for personal or business purpose.

Analysis of the Inferno of Dante Alighieris Divine Comedy Essay

Analysis of the Inferno of Dante Alighieri's Divine Comedy The Divine Comedy by Dante Alighieri is considered by many as the first great poem in the Italian language and perhaps the greatest poem written in Medieval Europe. The poem is so famous that one of the minor characters, Capaneus the great blasphemer, has his name on a mesa on one of Jupiter's moon Io (Blue, 1). Also, the poem is divided into three canticles, or sections, "Inferno," "Purgatorio,' and "Paradisio." For the purposes of this paper, only "Inferno" will be discussed. In "Inferno," Dante the Pilgrim is lost. In his wanderings he encounters three specters, the leopard, the lion, and the she-wolf. Dante runs away from these three foes and is stopped by Virgil, a Roman era poet. Virgil promises to show Dante hell, purgatory, and then Beatrice, a dead friend of Dante's will show him heaven. Dante agrees and they embark. Dante and Virgil see many scary and terrifying sites in hell. He first sees the indecisionists who in life could not make up there mind who in death are forced to run after a flag. They visit Limbo, where those who were not baptized but lived a virtuous life stay. They see various sinners of the lesser circles, Paolo and Francesca, the adulterous lovers and the sinners who committed anger, greed, avarice, and gluttony. They enter the City of Dis and see the heretics in their coffins. They travel down a river of blood where the murderers are kept. As they travel farther down into hell, they see worse sins and even worse punishments for those sins. Finally they see Lucifer. Then, they climb a rock cliff and escape hell.... ... understand these levels, literal, allegorical, moral, and anagogical, one must first understand Dante's symbolism. Works Cited Alighieri, Dante. The Divine Comedy of Dante Alighieri. Trans. Henry F. Cary. New York: P.F. Collier & Son Corp., 1960. Alighieri, Dante. The Divine Comedy of Dante Alighieri. Trans. John Carlyle. New York: Vintage Books, 1959. Blue, Jennifer. "Io Nomenclature Mensa." Io Nomenclature. http://wwwflag.wr.usgs.gov/USGSFlag/Space/nomen/jupiter/ioTOC.html > (30 December 1999). Forman, Roberts, J. "Dante Alighieri." Magill's Survey of World Literature. Vol. 2. New York: Marshall Cavendish Corp., 1993. 500-503. Kashdan, Joanne G. "The Divine Comedy." Masterplots. 1727-1731. Pirandello, Luigi. "The Poetry of Dante." Dante. Ed. John Freccero. Englewood Cliffs, N.J.: Prentice-Hall, Inc., 1965.

Exploring Chance In Pushkins the Queen of Spades Essay -- Pushking Que

Exploring Chance In Pushkin's the Queen of Spades It is said in The Bible that God has given Man 'free will.' Unfortunately for Man, The Bible does not entail exactly what 'free will' is. Some speculate that there is a force called Chance. These people believe that through a serious of coincidence, luck, and their own choices, they can control their future. Others believe in a force known as Fate. With this line of thinking, everything has a goal, and those goals will be met eventually. This gives the believer a sense of inevitability and they tend to be more laid back due to the philosophy of least resistance. Least resistance is the idea of 'it's going to happen anyway, so there?'s no real point in pushing back.' In Pushkin's 'Queen of Spades', chance and fate seem to endlessly intertwine themselves to the point where there appears to be a third force somewhat dictating their actions. In some instances, the lives of the characters seem to be going in a set path (Fate). At other instances, it appears as if had this not just happen ed to happen at this point in time, this person's life wouldn't have been affected in this way (Chance). Are Fate and Chance separate forces, or puppets on the strings of another power' Chances are, they're one in the same.   Ã‚  Ã‚  Ã‚  Ã‚  The play opens with a man, Tomsky, who ?just so happens? to be telling the story of his grandmother and how she ?fatefully? came upon the secret to wealth. First, looking at it from the chance perspective, had this not happened, life would have been altered for many people. Countess Anna Fedrova, Countess A-----, is the person who puts the order of chance happenings in motion. Had she not been born, had she been ?damaged? in some way earlier in life, had she not married the man she did, and many other ?what ifs" and ?if onlys" could have stopped the series of events from occurring. But, ?by chance?, all of these things did happen. ?By chance?, a man who would be interested in learning the secret of the three winning cards was listening to Tomsky. Again, had his life not gone the way it had, he might not have been around Tomsky in the first place. ?By chance?, he was. The pattern of ?by chance? is set up early in the story. The entire story was written ?by chance?, which makes an interesting parallel to real life. Had Pushkin not been born, we would not have the story, and so forth.   Ã‚  Ã‚  Ã‚  Ã‚  Or was i... ...ploring the theme of chance, one realizes that chance is simply a game of perspectives. Random to one was planned by another. Was everything put together as a plan to make Hermann go insane one day?   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  ?At that moment it seemed to him that the queen of spades smiled ironically and winked her eye at him. He was struck by her remarkable resemblance.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  ?The old Countess!? he exclaimed, seized with terror.??   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  (Pushkin, pp. 23) Or did it simply just happen to turn out that way?   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  ?Hermann went out of his mind, and is now confined in room Number 17 of the Oboukoff Hospital. He never answers any questions, but he constantly mutters with unusual rapidity: ?Three, seven, ace! Three, seven, queen!?   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  (Pushkin, pp. 23) As only God knows why all was created, only Pushkin knows why these events happened in the way they did. It all depends on how you look at it. In hindsight, what was once thought to be fate is simply the pattern of chances strung together. Works Cited Pushkin, Alexander. ?Queen of Spades?. Great Russian Short Stories. Ed. Paul Negril. Mineola, NY: Dover, 2003. 1-23.

symbolaw Symbols and Symbolism - Clothing as a Symbol in The Awakening

Use of Clothing as a Symbol in The Awakening    In the novel, The Awakening, Kate Chopin takes Edna Pontellier on a journey of self-discovery. In doing this, she uses many symbols to show the relationship between Edna and the world. Clothing, or rather, the lack thereof, displays this relationship well. As Edna progresses throughout the novel, she discards more and more layers of the confining à ¬clothingà ® that surrounds her body and soul. By taking off her clothing, one piece at a time, she disobeys the rules that society has set for her, and in doing this, she exerts her independence. In this summer voyage, Edna becomes a free woman.    In the Victorian society that Edna lives in, the proper attire for women requires them to wear very confining clothing. This clothing symbolizes the constraints on the social behavior of women in this age. It restricts Edna's body and impedes her freedom to move. At the beginning of the novel, fully dressed Edna wears all the proper clothing. However, when Edna and Adele walk together to the beach, Edna wears considerably less clothing than that of her companion. Adele wears a veil, gloves, and ruffles to protect her body. Edna wears a thinner, simple dress and removes her collar and unbuttons her dress at the throat once at the beach. She chooses not to cover herself as harshly as Adele. Adele portrays the picture of a perfect Victorian woman through her manner of dress. Edna's decision to free herself more than Adele symbolizes her growing rejection of Victorian society rules.    Edna becomes distraught when she discovers her friend, Robert, is leaving. She goes home and sheds her clothes for a more comfortable wrap. She casts off more layers of conventio... ...bsp; As a final profession of her freedom, Edna discards her last layer of clothing until she stands naked on the beach. She swims out into the ocean and drowns there. Her final act of independence required her to end her life. She shed the final constriction on her life when she stripped herself alone on the beach. She frees herself from social conventionalism and at last opens herself up to do something totally for her own reasons and rules.    Throughout the novel, as Edna sheds herself of the clothing and possessions that surround her, she becomes more liberated, free, her own woman. The clothing represents the society that confines her and the independence that stripping the clothing gives her enlightens her soul. Kate Chopin uses clothing as a way of conveying the social injustice imposed upon women in the Victorian age in which they were trapped.

Contraceptives in School Essay

During the past decade, there have been stark generational differences in terms of moral and social norms. In order to accommodate for these changes, society has had to make difficult decisions regarding the protection of todays youth. One of the biggest controversies that have been ongoing deals with the gray area regarding the roles of educators and parents. School systems today are distributing condoms and contraceptives to students as young as 11 years old with the intention of preventing their students from suffering from the negative side effects of sex. From an ducator’s perspective, the distribution of condoms has become a necessity due to the overwhelming lack of morals instilled in the youth at the fault of their parents. They also argue that it encourages safety and that it is completely foolish to assume that abstinence is always practiced. On the contrary, conservatives will argue that condoms promote sex and their distribution will show minors that sex at a young age is socially acceptable. Conservatives’ opinions are naive because they blatantly condone the fact that standards and practices have changed dramatically over time. The rising issue of under aged sex has made the distribution of condoms a necessity in order to combat the negative ramifications of the decisions made by todays uneducated youth. A misconception that is widely believed is that passing out condoms in schools will influence or pressure teens to have sex. According to Dr. Kevin J. Minch, if young people believe they will be â€Å"safe† when using a condom they are much less likely to be deterred from engaging in dangerous and immoral behavior (Minch). The conservatives believe that with the introduction of condoms at an early age, this would lead to the unnecessary exposure of the youth to a concept hat should only be tackled by legal adults. It allows them to stray into the obscure world they are not yet ready for. Widespread condom distribution will establish sexual activity as the norm among young teens, creating peer pressure to participate in sex. The added temptation to engage in sexual activity is â€Å"protected† will result in more women having sex at a younger age, perhaps furthering their exploitation. Minch) Sex is a topic that should be addressed at the discretion of each parent and the fact is that educators are slowly taking over the responsibilities of the parent. The opposition would argue that parents of every ethnicity and background have spent years of their life attempting to instill solid morals and values to their children. It is understandable how a parent would feel for a high school teacher to pass out condoms to students at such a young age. Education systems are making the decision on what they think is best for the child rather than having the parents deciding the verdict on this issue. It is said that teenagers who have a good relationship with their parents are less likely to experience a pregnancy and the harsh consequences from unprotected sex. Good communication between parents nd children helps ensure that children make the right decisions when it comes to their sexual activity. However, as seen by the statistics, the amount of parental involvement in the lives of teens today is limited. Educators are simply picking up the slack since some parents do not educate their children on the simple right and wrongs like previous generations were taught. In addition to educators programs that educate our youth and that taxpayers should not fund these programs. â€Å"Is it really the responsibility of hardworking taxpayers to pay for the use of protection for irresponsible teens? I certainly do not think so† (Cook). Educators do not need to sanction the idea of a sexually active lifestyle; however they should hearten all young teenagers to make Judicious decisions when it comes to being sexually active. In this case, schools provide their sex-education classes and many prefer it stayed Just that, that it is not fit to provide a basket of condoms upon the exiting of a classroom. What the conservatives fail to do is look at the logical perspective and to take into account the statistics and reality of todays youth. What needs to be widely noticed is that the United States has the highest rates of teen pregnancy and births. It is fact that that the teen pregnancies in our nation cost the United States at least 7 billion dollars each year. For the fiscal year of 2006 the federal government spent over 38 billion dollars to support families that began with a birth from a teenage mother. Nearly eight billion dollars is spent each year to diagnose and treat sexually transmitted diseases. Either the money paid towards taxes can contribute to pregnancies and their after effects, or the money can be well Prevention is much more important when all the facts are spent on prevention. displayed. Every year, around 750,000 teenagers will get pregnant. As a result, more than two thirds of teenagers who give birth will drop out of school, thus leading to an uneducated and difficult future. Teenage mothers and their children are more likely than others to be placed in the poverty bracket; therefore billions of dollars are spent taking care of them. Teen pregnancies are seen as a disadvantage in todays society due to the fact that many children born to teenage mothers tend to have a low birth rate. In addition to this, children born to teenage mothers are said to do poorly in school as they age and are more suceptible to abuse and neglect. The ruth is that the Centers of Disease Control reports nineteen million new STDs each year and approximately half of these reports are from our youth. One in four sexually active teenagers become infected with a sexually transmitted disease every year, which includes but is not limited to Chlamydia, Gonorrhea, Genital Warts, and Herpes. (The Alan Guttmacher Institute). Another mind wrenching fact coming from the American Social Health Association is that of nine million new STD cases in the year 2000, ninety percent was accounted for by HIV and HPV (Human Papillomavirus) in ages fifteen to twenty-four years of age. Chesson HW, Blandford JM, Gift TL, Tao G, Irwin KL. According to an educator working out of a New York City public high school, the idea of distributing condoms has her approval. â€Å"If I could, I would give out condoms in my classroom. I think we should make it as easy as possible for teens to access condoms. † This statement could cause an upheaval of opinion, but this teacher is looking out for the welfare of her students. High school students’ main focus should be education, goal setting, and discover ing their own individuality. These teenagers should live an energetic and active life without worrying about remarital sex. Even though this is true, it has been proven that over 50% of teenagers have had sexual intercourse before graduating High School. So what is to come of this? Considering a high percentage of high school students are in fact having sex, there are outstanding statistics proving many STDs and teenage with the prevention classes and protection. When students are provided with condoms, it at least gives them the opportunity to be responsible with such an irresponsible act. Condoms are proven not to be 100% effective protecting against pregnancies and sexually transmitted diseases. However they have and will cut the odds by a landslide. Their distribution could have a significant impact on many lives by protecting them from diseases and unforeseen pregnancies that can end a young mother’s future. The best defense against STD’s and under aged pregnancies is simply knowledge and protection. Frequently, parents are too embarrassed to approach their child about any type of sexual activity. For this reason students are left uniformed and in harms way. A catastrophe will take place if sex education and protection are taken away from the students today. Parents need to be active and not permit sexual activity and disregard its existence. Often our society does not recognize these situations. Regardless of the parents’ opinions of moral and religious rights, someone has to protect the youth considering abstinence is not a sure avenue for these children. This is why our education systems have, and need to continue doing so, taken a step forth to protect our nation’s future.