Internet Banking (E-Banking) Essay Example | Topics and Well Written Essays - 1500 words

Internet Banking (E-Banking) - Essay Example This paper will analyze the concept of E-banking. More specifically, it will try to provide answers to the following questions in relation to E-banking. What is E-banking? What are the advantages and Disadvantages of E-banking? How are people accepting and using E–banking?Internet banking is another concept of web based banking. The deployment of whole sale or retail banking services can also be referred to as E-banking. It involves individuals, and corporate customers. The deployment of whole sale or retail banking services can also be referred to as E-banking. It involves individuals, and corporate customers. E-banking involves payments and settlements, bank transfer, household lending, documentary collection and credits and card businesses. E-banking services and products are accessed by customers who own accounts with E-banks. Customers make a request for information and conduct most of their retail banking transactions through computer, television and cell phones . E-bank ing also describes the electronic connection between customers and bank so as to help in preparing, managing and controlling financial transactions. From a broader perspective, electronic banking is the provision of banking services through other means rather than the physical bank branches. E-Banking provides financial services to customers through various means. These means include home banking, telephone banking, Internet banking, mobile banking and Automated teller machines .(Sarlak and Asghar, 2010). The driving force behind the adoption of E-banking by banks is to provide high interest rates and reduce service charges on the customers’ saving accounts. E-banks help to eliminate costs associated with virtual banks branches. This increases competitive advantage of e-banking with other banks (Sarlak and Asghar, 2010). Advantages and of E-banking Internet banking has numerous advantages as discussed below. More efficient bank rates The absence and reduction of virtual branc hes to serve customers has reduced overhead costs. This allows banks to pay higher rates of interest on customer savings and consequently, reduces charges on the loan rate on the mortgage and loans. Some banks have resorted to offering a high yield certificate of deposit (CDs), high yielding checking accounts and even non-penalty certificate of deposit (CDs) for making an early withdrawal. Additionally, minimum deposits are required to open bank accounts. The bank accounts do not carry any minimum balance or service charges (Koskosas, 2012). Customer Convenience E-banks operate full time at various locations provided internet connections are available. Electronic banks operate 24 hours in a day, 365 days a year if internet services are available. Mobile phones are used by customers to access services. The real-time accounts information and balances are readily available through the internet. Banking transaction services are made easier, faster, and more efficient. The changing of ma iling address by a customer on his or her account facilitates the updating and maintaining of a direct account. Through account update, the request of market interest rates and ordering of additional checks is made easy (Koskosas, 2012). Services E-banks have more websites that provide more feature than the website of physical banks. These features are forecasting and budgeting tools, financial planning capabilities, loan calculators, investment analysis tools and equity trading platforms- banks website also offer online tax forms, tax preparation and free online bill payments (Koskosas, 2012). Mobility Internet banking services are mobile. This means one can access them even when traveling. The designing of new applications, smart phones and other mobile accessories has improved mobility of E-banking services (Koskosas, 2012). Transfers Money can easily be transferred from the physical banks account in various branches

Museum paper Essay Example | Topics and Well Written Essays - 1250 words

Museum paper - Essay Example Adams is not only a photographer par excellence, he is also a famous environmentalist known for pushing preservationist agendas and working for the protection of the American natural heritage (Bowers, 2007). The sublime in nature is clearly evident in most of his works where the majesty of the natural environment is presented to the viewers unadulterated by colors. The collection on display at the Bowers Museum features not only pictures of nature but also of man and some which are in combination. Clearly, Adams was not looking at nature to the exclusion of human beings since he does take his own self portrait amongst natural surroundings even if it is just a shadow of his self which is imposed on nature. However, the images and the artist himself come with the implication that nature is certainly a fundamental part of who he is and what he thinks is important (Bowers, 2007). On the other hand, Chuck Close seems to be focusing on the art and wealth of effort which is required to produce a single work of art. While the works seem like pictures and images when seen from a distance, upon closer examination the art seems to dissolve into pixels that can be found on television or computer screens (OCMA, 2007). This I found to be quite magical since the image presented by the artists could change significantly depending on the distance I was standing away and the areas I was focusing on. Chuck Close’s work does not focus on the elements of nature which surround us but rather it focuses on the greatest creation of nature, i.e. human beings. More exactly, it focuses on the human face in its many variations, colors, shapes and ages. For example, the Self-Portrait of the artist shows a middle aged man who is looking directly at the audience while Emma shows a young child who seems to be gazing into the distance rather than looking at the viewer (OCMA, 2007).

African-Americans on a fighti for equality and freedom Essay Example for Free

African-Americans on a fighti for equality and freedom Essay African-Americans were taken from Africa as slaves, and have been fighting for equality and freedom ever since that day. The slaves were mistreated as nothing, they had no self-esteem, beaten, disparage, and were separated from their family. African-Americans still fight every day for different types of recognitions and fairness, even though many things changed over the centuries. The African-Americans played major roles during the Civil Rights Movement. African-Americans have struggle hard to end separation, prejudice, and seclude to be treat in a fair way and civil rights. Racial Separation, also known as Racial Segregation was a system taken from the results of white Americans to keep African Americans subservient status by controvert then equal admittance to public facilities and ensuring that black people lived separate from white people. Slaves lived far away from the wealth people houses on the plantation, only those who are special people lived in those houses. Northern whites had precluded blacks from seats on public transportation and blocked their entry exclude servants, from most hotels and restaurants, by the time the Supreme Court ruled in Dred Scott versus. Sandford in 1857. According to the article in 1896, \The most common instance of this is connected with the establishment of separate schools for white and colored children, which has been held to be a valid exercise of the legislative power even by courts of States where the political rights of the colored race have been longest and most earnestly enforce.\(Plessy v. Ferguson 1). In another word, segregation it is not only in schools, but it is in churches, auditorium, and theaters. For example, Rosa Parks was famous for her courage to stand for her rights, and to set wherever she wanted on the bus; however, she was not the first or only one to make this chose. In addition, when Rosa Parks was approached by the bus driver to sit somewhere else, there were other African-American people sitting to her. Therefore, Rosa Parks was noticed by Dr. Martin Luther King for spoke up first history gives her credit. People were brave enough to fight for their equal rights. The bus Boycott that introduced the civil rights movement that convert apartheid of America\s southern states from a local individuality to international scandal, which started when Parks arrested stunned a chain reaction. Rosa Parks individual courage that led to the collective displayed of insubordination that transformed a previously unknown 26-year-old clergyman, Martin Luther King, into a household name. The name of Dr. MLK was recorded in history as the most well-known extremist through the years. MLK was also known as a non-violent extremist, and for modifying the philosophy from Gandhi, which was reverence not only by black race but also by all other races. What became African-American\s live by for centuries to come was the speech of MLK, \ I Have a Dream.\ Furthermore, there was the \We Shall Overcome\ speech by King in 1963. The Civil Rights Movement was defining moment at the capital by MLK. Until the day MLK was killed, he fought for the Civil Rights Movement. MLK petition to all not to discriminate. African-American men and women

Plath’s Daddy Essays: Allegory in Plath’s Daddy :: Plath Daddy Essays

Allegory in Plath’s Daddy  Ã‚   In her poem "Daddy", Plath artfully intermixes the "factually" true with the "emotionally" true. There are scraps of her own life here, but the poem is much bigger than that, and goes beyond the face-value interpretation that is it nothing but a self-indulgent literary vengeance spree. Daddy works on both a biographical/personal level for Plath, but also on an allegorical level as well. I see this poem as a dual testament to Plath's (and all women's) struggle against male power, authority, influence, etc. She never "had time" to define her feminine self in opposition to her father, in the context of this male relationship, or legitimately break free of it, because of his untimely death. She first resented his being emotionally absent in her life, and then physically absent. In her journals she admits how she struggles in her relationships with men because of this lack. Accounts by both Plath and Aurelia, assert that her father was quite the stereotypical authoritarian male, and although she loved him, she came to hate what he represented and how he had treated Aurelia and her. Many women of that time, (and all times) can understand this dynamic---loving men, but hating how they treat us and view us and exploit us--- consciously or unconsciously, on either a personal, or societal level. Taken from this perspective, the Holocaust/victim analogy takes on a whole different slant. Rather than referring (exploitatively) to the personal sufferings of one individual woman, it can allegorically represent the mass, historical victimization of women by patriarchy, which has been well-documented (witch hysteria) and which continues (female circumscision) She says "every woman adores a Fascist in boots"--all women in some way participate (if only in their passivity, in refusing to reject the roles that society attempts to force upon them) in this social and cultural situation. The child-voice of the poem can represent,on a deeper level, that innocence young girls lose as they become women and find themselves being "chuffed off like a Jew," often reluctantly or unknowingly, into the expected roles for women in marriage and childbearing---when fairy tale expectations of love crash into the reality of the Sisyphian tasks of dishes, cooking,cleaning,laundry, child care, when so many women have their dreams and identities erased under the daily grind of domesticity---a different sort of confinement, slavery, suppression, another and altogether different kind of death and destruction of the spirit.

Problem at State Farm Insurance

Problem at State Farm Insurance: there is too much mail sent to the clients. Despite the wonderful customer service and reputation that State Farm Insurance has, they are also known for mailing out an abundance of mail to their clients. Agencies receive regular client complaints that the mail sent is excessive and confusing. Unlike many insurance carriers that list all auto’s on the same policy, State Farm creates a policy for every home or vehicle insured creating individual mailers for each policy.For example, a household with five cars will get ten renewal letters in one year at minimum, if there are no changes to the policies. As part of the policy update process by the automated system, all changes made to a policy generate a mailer with a new copy of policy declaration page. This becomes problematic as clients resent vast amounts of letters and being to ignore them. In many cases the clients refuse to read the letters which contain very important information (such as a c ancelation notice or time sensitive requests for information) and their policies lapse.A recent example of this took place when an angry client named Kyle complained that he was not informed that his policy had canceled. When Kyle was told that State Farm mailed him several letters his response was: â€Å"I get so many letters from State Farm that I don’t even bother opening them! † This system I also useful and helps State Farm retain its clients by diligently reminding the clients of late payments to prevent cancellation obtain current policy holder information ensuring State Farm is collecting the correct premium.Automation also frees up time for State Farm employees to do more important tasks and saves the company money. If the problem of excess mail fixed and State Farm went paperless, State Farm would be considered a green company. The employees affected by the change would be the underwriters that could go paperless and become more efficient; however, the printe r maintenance people would be out of a job.

Health Literacy - Free Essay Example

Sample details Pages: 2 Words: 747 Downloads: 5 Date added: 2017/09/13 Category Education Essay Topics: Literacy Essay Did you like this example? Health Literacy Health illiteracy has become referred to as the silent epidemic. According to the U. S. Don’t waste time! Our writers will create an original "Health Literacy" essay for you Create order Department of Health and Human Services website, the National Assessment of Adult Literacy showed only 12 percent of adults have proficient health literacy. That means nine out of ten adults may lack the needed skills to adequately manage their health and prevent disease. Healthy People 2010 define health literacy as â€Å"the degree to which individuals have the capacity to obtain, process, and understand basic health information and services needed to make appropriate health care related decisions. These are the skills that people need to find the right place in the hospital, fill out insurance forms, and communicate appropriately with health care providers. The largest study of the scope of health literacy published to date found that one-third of the English-speaking patients in two public hospitals could not read and understand basic health-related materials. Sixty percent could not understand basic routine consent forms, 26 percent could not understand information on an appoin tment slip, and 42 percent failed to comprehend directions for taking medications. These findings were most prevalent in the elderly and those with chronic health problems. Those that had the greatest need to understand had the least ability to read and comprehend information needed to function adequately as a health care consumer. These statistics are shocking. Who’s at risk for poor health literacy? As for mentioned, the elderly and those with chronic health problems are at the greatest risk, but also racial and ethnic minorities, people with less than a high school diploma or GED certificate, those with low income, and those who speak English as a second language. Most individuals with limited health literacy go undetected by their healthcare providers. The majority of patients with limited health literacy skills have never told anyone, including their family members. What does this mean to you? Poor health literacy leads to poor health outcomes. Some of the complications of poor health literacy include delayed diagnosis of medical problems, poor disease management, increased hospital readmission rates, and increased healthcare costs. It was estimated in 1998 that between $35-73 billion was wasted in prolonged hospital stays and frequent doctors visits related to low health literacy† (Ickes, MEd Cottrell, DEd, CHES, 2010, p. 492). With all of the previously mentioned problems of poor health literacy, individuals who fall into these categories are also more likely to die at an early age. Is there a solution to this costly societal problem? The long-term solution rests in the hands of health education beginning in kindergarten and continuing throughout college. We need more community involvement with this issue. It not only affects the health illiterate but those that are very health literate. It raises the costs of health care enormously. Despite massive technological advances and that we spend twice as much per capita on healthcare in the United States, we remain one of the unhealthiest nations in the world. Low health literacy contributes to our grim future. We have high rates of infant mortality; increased mortality related to chronic, preventable disease processes; and cancer mortality could be greatly reduced by early detection. Health literacy is both a consumer and public healthcare issue. As a health care provider, it is not only my responsibility to ensure that you understand your health and what is going on within your body, but also your responsibility to make sure you understand. You have to take a proactive stance to guarantee you are doing everything possible you can do to stay healthy. A few statistics to keep in mind when taking loved ones to the doctor: 75 percent of patients with low health literacy have never told their spouses, 53 percent have never told their children, and one in five people have never told anyone that they have a problem with understanding appointment slips, prescriptions, or doctor’s instructions. We must educate society as a whole. It is not only my responsibility but also yours as well. As stated by Levy and Royne in The Impact of Consumers’ Health Literacy on Public Health, â€Å"Consumers must demand better from our educational institutions, our health care institutions, as well as ourselves. References Ickes, M. J. , MEd, Cottrell, R. , DEd, CHES (2010, Mar/April). Health literacy in college students. Journal of American College Health, 58(5), 491-498. doi: 2111084311 Levy, M. , Royne, M. B. (2009, June 1). The impact of consumers’ health literacy on public health. Journal of Consumer Affairs, 43(2), 367-372. Re trieved from www. ecampus. phoenix. edu U. S. Department of Health and Human Services. (n. d. ). www. health. gov

Comparing and Contrasting the Novel and Movie Version of...

Comparing and Contrasting the Novel and Movie Version of The Grapes of Wrath John Steinbeck wrote the The Grapes of Wrath in 1939 to rouse its readers against those who were responsible for keeping the American people in poverty. The Grapes of Wrath tells the story of the Joad family, migrant farmers from Oklahoma traveling to California in search of an illusion of prosperity. The novels strong stance stirred up much controversy, as it was often called Communist propaganda, and banned from schools due to its vulgar language. However, Steinbecks novel is considered to be his greatest work. It won the Pulitzer Prize, and later became an Academy Award winning movie in 1940. The novel and the movie are both considered to be wonderful†¦show more content†¦The movie does not discuss in depth the vast significance of this route. On the other hand, Chapter 12 of the novel describes how Route 66 is a river of immigrants. This interchapter explains how the thousands traveling Route 66 are refugees from the troubles in the East, giving a better description of t he time period. Finally, the movie never describes in depth the economic situation of California during the 1930s. In the movie, the story ends leaving the viewer with the image of California as a land of prosperity. However, the novel attacks the economic situation of California with rage in Chapter 25. In this interchapter, Steinbeck describes how a surplus can make prices so low that the farmers have no income, or how the supply of farm goods can be so scarce that the goods are priced too high to sale. This situation plagues California, and farmers are thrown in poverty. This chapter shows how California is not a safe haven for farmers, but a harsh, devouring environment. The interchapters in the novel form of Grapes of Wrath describe in detail the time period of the storyline, while the movie leaves the spectators unaware of the actual situation of the migrant farmers in the 1930s. In the novel form of Grapes of Wrath, Steinbeck uses different literary elements, which are not present in the movie, to provide a deeper meaning of the story. One major element in the novel that is absent in the movie is Steinbecks use of