Racism and Anti-Semitism in the United States

Racism and Anti-Semitism in the United States Racism and Anti-Semitism in the United States With The election of the first black president of the United States, Barrack Obama people believed it to be the end of racism in the U. S. Although The United States has made tremendous progress and racism and anti-Semitism are discouraged and not tolerated in many U. S. organizations, it is still a wide spread problem facing Americans today. There are large amounts of evidence reguarding racial profiling in our justice systems, schools, and financial institutions.Hate crimes and race inflicted vandalism continue to be a problem in our culture. It is apparent that even though we have made great strides away from racism the United States still continues to struggle with acts racism and Anti-Semitism. Racism can be found throughout the United States, from government to schools and even churches. While most would say that Obama was elected because of dedication to public service, intelligence and a great campaign, others would argue it was more than that that got him his presidency. With everything the U. S. as experiencing from wars in Iraq and Afghanistan, increasing unemployment, People were reaching for any kind of change that could have made a difference. Since President Obama came into office there has been a 400% increase of threats since President George W. Bush, reaching the highest number of threats in history (Chelala, 2010). This can be mostly contributed to the race of president Obama, while threats against the president are common due to policy and beliefs there are many groups whom do not wish to have a black man running the country.Racism can also be found in our law enforcement systems, in the form of racial stereotypes. While these racial stereotypes have lessened over the years, and become less apparent, or common, there are still many concerns about its presents in our legal system. Though racial stereotyping is illegal the statistical evidence is overwh elming. In an article by D. E Rogers, He argues that â€Å"Simply being an African-American greatly increases your chances of being pulled over by police. One study in Maryland found that 76 percent of motorists stopped on a stretch of highway wereAfrican-Americans, while African-Americans only held 20 percent of all drivers licenses in the state† (Rogers, 2010). In another study, published by Stanford Business, Lowery demonstrates â€Å"how racial stereotypes subtly operate in the penal system. Los Angeles police and probation officers were asked to make judgments about a hypothetical adolescent (whose race was not identified) who had allegedly either shoplifted or assaulted a peer. Certain officers were first subliminally exposed towards commonly associated with African Americans (such as ghetto, homeboy, dreadlocks, etc. on a rapidly flashing computer screen so that they took in the information subconsciously. In contrast to subjects who did not receive this â€Å"primin g,† officers with the subconscious messaging attributed more negative traits and greater culpability to the hypothetical offenders, and they endorsed harsher punishment—all typical responses to black as opposed to white offenders. â€Å"What's particularly interesting is that many of the officers were African Americans themselves,† Lowery notes. â€Å"This shows the degree to which even African Americans can be affected by the negative associations in the environment† (Rigoglioso, 2008).African-Americans are one of the highest groups to be stereotyped there are many other groups that are targeted as well. According to American Civil Liberties Union (ACLU) since the event of September 11th 2001, Muslims, Arabs and other Middle Eastern citizens are widely targeted by law enforcement and other organizations. This set of stereotypes has become more targeted than African Americans do to the uncertainty of their crimes or what they are capable of. Citizens of Mi ddle Eastern decent are not only stereotyped on the streets but in businesses and air ports. September 11 had a substantial impact on Arab American communities. In every site, Arab Americans described heightened levels of public suspicion exacerbated by increased media attention and targeted government policies (such as special registration requirements, voluntary interviews, and the detention and deportation of community members). Although community members also reported increases in hate victimization, they expressed greater concern about being victimized by federal policies and practices than by individual acts of harassment or violence† (Henderson, Ortiz, Sugie ; Miller, 2006).Today racism is discouraged and crimes against race or hate crimes are a federal offence. Most Americans who do experience racist thoughts and or ideas would most likely never admit to them, and yet there are still increasing numbers of acts of racism in our country. â€Å"Even among the most well-i ntentioned and consciously egalitarian people non-conscious associations about ethnic groups still have a pernicious effect on behavior and attitudes†(Rigoglioso, 2008).Lowery also explains that his research â€Å"confirms that children who identify strongly with parental figures tend pick up their parents' racial views† (Rigoglioso, 2008). This observation can be both bad and yet promising, because children can also pick up and spread non-racist behaviors as well. Though groups such as the Ku Klux Klan and other racist organizations are social out casts, they are still existent in American culture today, but do not freely announce their beliefs in the streets as they did many years ago.So does the evidence remains in the continuous acts of violence that are apparent to racial aspects? From beatings to killings and all around cruel behavior towards and against many different races all across the United States continue to take place daily and numbers continue to rise. Is the American culture truly free from Racism and Anti-Semitism? There are those who believe that Racism is going away or has even become non- existent in the United States.Many people sometimes refer to this as racism denial, those who do not see or choose not to see the growing racial occurrences in the United States. Racism is defiantly not as blatant as it once was, is it possible that we have just moved on or transitioned to a new definition of racism? It can be said the new form of racism is in the denial of racism. According to John McWhorter, racism in America is gone; he stated that even though Americans will continue to be imperfect, and races will still be stereotyped, some races will still receive special treatment or different treatment than others.But he believes that as a whole or majority of America has moved past racism as it is no longer a huge problem in the United States, as it once was in the past (McWhorter, 2008). Most who believe that racism in the United Stat es of America is over, believe that it officially ended in 2008 when we elected our first black president. These people or groups of people can most likely be categorized as denying racism. Does the election of a black president truly mark the end of racism in our country? America will always suffer from the results of slavery and will always be tarnished with these memories.But for many years America has allowed citizens of every race to achieve anything and attend any school, but the fact remains that some Americans hold racial beliefs and tend to target or inflict these beliefs on others. So maybe America as a country is no longer suffering from racism, but the evidence remains that many Americans as individuals still hold to racist beliefs. So due to continued acts of racist crimes, comments and stereotyping found in our schools, law enforcement and business, the fact remains there is still racism in our country, even if we choose not to see it or acknowledge it.The election of a black present was a great turning point for our country but was not the end of racism and anti- Semitism for the United States of America. References Chelala, C. (2010, April 02). Is racism still alive in America? Retrieved from https://www. commondreams. org/view/2010/04/02-7Hillen, John. Henderson, N. , Ortiz, C. , Sugie, N. , & Miller, J. (2006, June). Law enforcement & arab american community relations after september 11, 2001. Retrieved from http://www. vera. org/download? file=147/Arab+American+community+relations. pdf McWhorter, J. 2008, December 30). Racism in America is over. Retrieved from http://www. forbes. com/2008/12/30/end-of-racism-oped-cx_jm_1230mcwhorter. html Rigoglioso, M. (2008, January 01). Racial stereotypes can be unconscious but reversible . Retrieved from http://www. gsb. stanford. edu/news/research/hr_racialstereotypes. shtml Rogers, D. E. (2010, June 30). Racism vs. African-Americans in America. Retrieved from http://theworldofdavid. wordpress. com/2010 /06/30/racism-vs-african-americans-in-america-today-at-a-glance/ http://www. aclu. org/racial-justice/racial-profiling

Employment and Apple Store Manager Essay

P1 – Describe the recruitment documentation used in a selected organization. In this criterion I shall be explaining the recruitment documentation used in a selected organization, the organization I have chosen is: Apple Inc. Apple is an American corporation that designs and sells consumer, computer software, and personal computers. The founders, Steve Jobs and Steve Wozniak established Apple computer on April 1st 1976. As of 2011, Apple is currently the largest technology firm in the world with its stock market value reaching $500 billion in March of 2012. Their revenue for the year 2011 was $127.8 billion in sales. Apple is well known worldwide and has 364 retail stores in thirteen countries. Apple store manager – As the Apple store manager you would be responsible for overall running of the store, a department or a specific area such as the checkout. A manager’s main area of work would involve reaching targets and increasing sales, for example; selling 300 iPhones within a month. You will also be involved in dealing with customer service issues such as queries and complaints, plus health and safety and security issues. The Apple store manager would also be involved in staff management, including interviewing and recruiting, supervising departmental managers and organising training. The recruitment documentations used to apply for a store manager: CV – Your CV is the only thing that the employer has in hand that will give him/her an impression about you. A CV would contain; educational qualifications, additional skills, work experience, job specific skills, interests and personal details. Personal Statement – A personal statement is a description about yourself and your qualities such as highly motivated and enjoy a challenge etc. A personal statement would include any past experience of work, hobbies and interests, this would help improve your image. Job description – A job description outlines the day-to-day duties of your role they have been offered. A job description also gives details of the pay, hours and holiday attached to the role. A job description has four main uses: Organisation – it defines where the job is positioned in the organisation structure. Who reports to who. Recruitment – it provides essential information to potential recruits (and the recruiting team) so that they can determine the right kind of person to do the job (see person specification) Legal – the job description forms an important part of the legally-binding contract of employment Appraisal of performance – individual objectives can be set based on the job description Contract of employment – Agreement between the employer and yourself over the details of a job, this would include: length of contract, pay, employee rights etc. All employees have an employment contract with their employer. A contract is an agreement that sets out an employee’s: * employment conditions * rights * responsibilities * duties These are called the ‘terms’ of the contract. Employees and employers must stick to a contract until it ends (e.g. by an employer or employee giving notice or an employee being dismissed) or until the terms are changed (usually by agreement between the employee and employer). Interview – An interview is a meeting between an applicant for employment and a company representative to determine if the candidate is qualified for a job, an internship or a volunteer opportunity. The interview process depends on the company, the position they are hiring for, and the pool of candidates who have applied for the job. Application form – Employers use application forms to assess your motivation and skills (and your spelling, grammar and punctuation). Questions are designed to assess specific attributes, so applicants can be compared systematically.

Beowulf Comparison Essay

Beowulf is a very appealing novel as well as a film. The novel Beowulf and the film have many similarities, but they have more differences then anything. While watching the film I noticed many added parts that were not included in the novel. In the film, Grendel’s arm caught is caught on a rope as he’s trying to escape. As the men get closer he has no choice but to cut his own arm off in order to escape, this action is an actual animal reaction when their limb gets caught, the eat their own limb off. This event does not occur in the novel. In the novel Grendel is described as an evil monster with claws, while in the film he appears to be a regular human being. There is also some romance that goes on in the film. Another difference is that the novel is written in very old English while the English in the film seems a little more modern. Religion also seemed to play an important role in the film that it didn’t play on the novel. Before I watched the film I expected an ugly demon looking thing to play the role of Grendel, but instead he was just a very tall man with birth defects. In my opinion Grendel is not the monster the book makes him out to be. When Beowulf becomes furious with Grendel he begins to mimic Beowulf in amusement. While in the novel Grendel becomes angry and goes completely wild. I found both the novel and the movie amusing because they both had something different to offer. Reading the book allows you to visualize the characters and what their personality traits are going to be like. The novel will also allow me to better understand the climax and main points. As far as the film goes, it really helped me comprehend what is going on in the story, due to the novel being in Old English. After reading the novel I expected the film to be distinctively different, especially the way Grendel was portrayed. Despite the differences from the novel and the film, they both give me a clear understanding of what is occurring in the story.

Analysis of Thin Client Article Assignment Example | Topics and Well Written Essays - 1250 words

Analysis of Thin Client Article - Assignment Example 7 References †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 8 Summary The article, Quantifying Interactive User Experience on Thin Clients, espouses the importance of thin client computer environment in a less costly management information system. Using an unbiased approach, the article vividly studies the nuances of implementing the thin client computer environment. The article is reliable because the theories are grounded on academic resources espousing the usefulness of incorporating the thin client computer network in the company’s computerized information system. The article enumerates some satisfied thin client customers like Time-Warner, Wal-Mart, and the Pentagon to ensure its reliability. In addition, the same article insists on an unbiased stand in explaining the rudiments as well as the complexities of the thin client issues. By using survey data and other references, the company offers an unbiased stand. The bandwidth issue indicates unbiased journalistic and academic discussions. The discussion on network latency adds an unbiased discussion on the computer’s information transfer speed. Lastly, the article is out of date. Published in 2006, the article should be revised to include the current trends, and theories on the thin client topic. The thin client computer set up includes JAVA in its electronic information transfer system. Clearly, the thin client is defined as a network computer that is maximized as a remote screen visual of the software application’s output that is grounded on a working central computer network server. INTRODUCTION The thin client is characterized as a network computer that is harnessed as a remote screen visual of the software applicati on’s output with data processing done within the central computer network server. The thin client software environment cost less than the usual computer terminals. In the normal thick client computer environment, the terminals are installed with licensed computer programs. The company installs one licensed computer programs for each computer terminal. On the other hand, the thin client situation is described as the company installing software in the central server alone. There are no computer programs installed in the thin client network computers strategically located in several points within the company. The company saves on software license expenses (Pras 87). The company will only pay for one software license even though the company has two, four, 50, or 100 computers installed using remote computers. However, the thin client computer network has some disadvantages. For example, the increase in the number of thin client computer networks reduces the information transfer s peed of each computer due to unresolved bottlenecks. Likewise, if the network server bogs down, all the remote thin client network computers monitors will malfunction simultaneously. The focus the research is to examine the thin client article using three tests. The article vividly shows an unbiased approach in explaining the financial advantage of implementing the thin client computer environment. TESTS Reliability Test The article is reliable. The article uses valid references to support its statements. The article offers convincing examples of companies favoring a thin client environment. The article indicates that Time-Warner, Wal-Mart, and the

Educational Opportunities for Minorities in the United States Essay

Educational Opportunities for Minorities in the United States - Essay Example In the field of education, there have been changes in the curriculum as well. There are vigorously expressed doubts against many conventionally educated faculty members as well as public officials. Numerous colleges and universities are nowadays finding ways to change course content as well as requirements in order that the myriad forms of American diversity will be included in the curriculum (14:2). Today, the scenery of education system in the United States can be characterized by diversity in the socio-economic profiles of students, curricula, kind of programs, and also the resources obtainable to the schools. However, it has obviously been noticed that the undergraduates in United States are going away from enrolling studies in the areas of science and engineering (Paldy, 2008; par 2). They prefer to be engrossed in social websites like Youtube and Facebook instead of demonstrating hard work by attaining a degree for a good job in the future (par 4). Hence, the country is now relying on the enrolment of overseas students. In actual fact, there are about 40% of scientists in the U.S. who are born in other countries and the problem that is foreseen is, as soon as foreign University graduates depart the country for the reason that they no longer find needed to stay (par 3). Recently, public schools in quite several cities are struggling and are underfinanced in terms of satisfy ing the needs of their students. As an offshoot to the above stated problem, experts (Summers and Hrabowski, 2006, par 1) felt the necessitate to stimulate students more effectively through student recruitment programs from underrepresented minorities. This paper aims to highlight how government and non-government institutions opened the doors of opportunities to ethnic minorities of United States in the field of Education. It will also present the status of some educational programs, its major activities.West (2007) in his book, "Inequality: Social class and Its Consequences", explained that, inequality is not unwell, since there are several factors which determine a person's opportunities and some of these are social class, race, and gender. The manner by which youth are educated, how their learning process went and how they perform in schools leave a remarkable score on their visions at an early stage of life. United States may have reach milestones in education, but issues about social class, low quality of health by the people and also psychosocial strains among individuals and groups harms the country in indirect and direct ways.It is therefore overwhelming to underscore that, several states in US have visited communities of ethnic minorities to recruite the people to study specifically science and engineering. Distinguished Scholar Symposium was conducted for the scholars and they allowed them to visit Universities to get hold of ideas concerning advance degree programs. The minority undergraduates are also offered with opportunity to interact with other scientists (Carnegie Foundation for the Advancement

Alexis de Tocquevilles Democracy in America (1835, 1840) and John Essay

Alexis de Tocquevilles Democracy in America (1835, 1840) and John Stuart Mill On Liberty (1859) - Essay Example The system of democracy has arisen as a result of oppression by aristocracy and monarchy. Aristocrats and monarchs pledged allegiance to Catholicism and often suppressed certain liberties. As the world’s first modern democracy, America stands as a beacon to the world. Marked disparities lie in both narratives of De Tocqueville and Mill. Both De Tocqueville and Mill carry onerous burdens about the tyranny of the majority in their theses; however they both attack the same topic, justifying their fears about the majority rule using different premises. On one hand, De Tocqueville takes note of American democracy as it implements the majority as its government its distinguishing traits and also downfalls; on the other, Mill is more predisposed to liberty considerations, detailing the distinctive qualities of liberty – both tackling the pitfalls of governing the individual, threats to individuality and by extension the nation under the rule of the majority. The combination of all these causes forms so great a mass of influences hostile to Individuality, that it is not easy to see how it can stand its ground. It will do so with increasing difficulty, unless the public can be made to feel its value—to see that it is good there should be differences, even though not for the better, even though, as it may appear to them, some should be for the worse. If the claims of Individuality are ever to be asserted, the time is now, while much is still lacking to complete the enforced assimilation.   De Tocqueville’s â€Å"Democracy in America† and John Stuart Mill’s â€Å"On Liberty,’ are similar because they both have numerous legitimate concerns about the right and plight of the minority and individual in the face of a system of politics ruled by the majority. Both thinkers delve into these pertinent subjects to substantiate their points. The narratives of both political thinkers also concur because they continue to dissect all forms of government and trace the effects of certain governmental structures and distributions of power, concentrating power into the hands of the public. De Tocqueville’s main preoccupation is the definition and sovereignty of the American people, whereas Mill’s is the supremacy of the general will. These differences exist because De Tocqueville’s argument centers on the system of democracy – a brand of government for the people, of the people and by the people. De Tocqueville reasons that for government, one party must be lesser, while the next must be greater. Following this logic, he realizes that even democracy has its inequalities. He refers to the origins of democracy – a system of government put into effect by the people, for the people and of the people. However, he is quick to underscore that there are some weighty implications with the rule of the people. Collective government is evidently encapsulated in the U.S. Constitution, â€Å"W e, the people.† The elections, the democratic process, is actually glaring evidence of the rule of the majority in which the people elect a government based on a majority count. Since minorities are not given enough say or authority, American democracy ultimately tyrannizes the minority, empowered with the ability to ignore conveniently, prosecute and persecute dissidents. By elucidating on the repressive origin and character of democracy, De Tocqueville informs that American democracy is ruled by a majority, suppresses the minority, conforming to the general will. Likewise, John Stuart Mill critiques the power of the general wil

The Big Thirst Essay Example | Topics and Well Written Essays - 1250 words

The Big Thirst - Essay Example First, he claims that water is â€Å"unquestionably the most important substance in our lives... It is part of the â€Å"mystery of life and the routine of life† (2). This statement is true. The human body is composed of 50-60% of water, thus making water a mysterious substance that makes people survive for days even without food. Second, Fishman also enumerates the uses of water. According to him, people use water incessantly in their daily routine and important activities: to baptize children, digest food, quench thirst, feed animals, bathe, clean the dog, wash hands and dishes, cook, plant rice, fruits and vegetables, etc. These uses of water are commonly known. What is uncommon is the fact that water is also used to make bottled drinks, put up a concrete building, launch a spaceship, run electricity, make flat-screen TVs, set up MRI machines and Twitter accounts, produce iPhones and cars, etc. Meanwhile, five liters of water is also needed to produce two bottles of coke. As Fishman identifies these other important uses of water, his claims become more and more interesting and appealing to readers. Water has amazingly upheld the lives of people. It generally helps farmers sustain their farms and supply the need of people for food and beverages. Water in many parts of the world is accessible to farmers. However, in some countries like Australia, water seems to be scarce, thus there is great effort on the part of farmers to grow plants and harvest foods. Unfortunately, tons of water are required in some lands in order to turn a dry land into a fertile one. Often, people think that the secret of a farmer’s success is his ability to plant or his hi-tech farming tools and equipment but as Fishman points out, it is actually water that makes the harvest possible because without it or with very minimal water supply, the crops will not continue to grow. This thought resounds Fishman’s

Book Report on The Immortal Life of Henretta Lacks Essay

Book Report on The Immortal Life of Henretta Lacks - Essay Example The cells that belong to Henrietta Lacks are known by the code name HeLa. When Henrietta died in 1951 because of the cervix cancer, cells from her cancerous tumor were cultured by George Otto Gey and create immortal cell line for medical research. HeLa were the first human cells vigorous enough to survive outside the human body, have been productive enough, increased and multiply in test tubes long after her death. Henrietta’s family had no idea that the said cells were used according to this purpose until during the year 1970’s where the medical companies merchandised the cells for profit purposes. Rebecca Skloot describes the HeLa cells as undergoing mitosis which defines in the normal cells as dividing into two. Currently, there are over 50 metric tons of the said cells that are still booming, and flourishing. This New York Times best sellers takes the readers to an extra ordinary journey from the John Hopkins Hospital in the 1950’s to winning several awards i ncluding 2010 Chicago Tribune Heartland Prize for non fiction, 2010 Wellcome Trust Book Prize, 2011 Audie award, and has been featured on over 60 critics’ best of the year list. ... The Primary Characters of the Book Henrietta Lacks is the main characters of the book. The book tells her story from her being a tobacco farmer down to the bed of the hospital of John Hopkins, from her death to the immortality of her cancer cells. One of the main characters to be considered in the book is the family of Henrietta, they could hardly understand why despite the death of their loved ones, Henrietta’s cells still exists and live. However, the love for the family remains strong and the search for justice and to unravel the truth continues. Implications of the Ethical Leadership and Cultural Competence During the time wherein Henrietta Lacks hospitalized at John Hopkins hospital, there is no Institutional Review Boards (IRBs) to govern and approve their research protocols during that time. Even the people who are discriminated and belong to the black race are illiterate about the procedures in relations to the rights of the patient while in the premise of the hospital . Giving the comparison in the evolution of the biomedical evolution during the 1940’s-1970’s between the dilemmas that facing us today, during the time of the HeLa cell dissemination, informed consent was the main point of debate, whereas at the present, two core elements of ethics in biomedical research: privacy and managing conflicts of interest. Recently, the HIPAA privacy rule was enacted. It is a security standards and safeguards for the use of electronic health care information as well as the creation of the privacy standards for protected health information. However, the rules claim equality among all members of the community regardless of the race. How Various Aspect of the Seven Revolution Woven into the Book In the

Educational technology classes Essay Example | Topics and Well Written Essays - 500 words

Educational technology classes - Essay Example The chapter helped in understanding what educational technology is. According to Reiser and Dempsey (2012), â€Å"When asked to define the term instructional technology, [people] will mention computers, DVDs, mobile devices,† which is very correct. This really altered my understanding. This essay helps in understanding of the definition of the field of educational technology and other resources in the first project by writing about the field. Through this writing, the real meaning of the field is understood. Educational models were next. Most of them related to what was learned in the previous classes while some of them were new. The history of educational technology was also described. This was not new as it had been summarized in the past using articles by other authors along with Reiser and Dempsey (2012). Education theory was then learnt. It gave me the chance to decide which one of them to adopt in my teaching style in future. The next thing was writing my own educational theory. This was very challenging and interesting. It enabled me to put into practice my learning style which was the backward theory. I realized that there is a model for the backward theory which helped one to foresee the outcome of the theory in future. New knowledge on how to become a better instructional designer in the future was gained. In the education process, the teacher alone cannot handle all the responsibility. The instructional designer and the management of the institutions should all be involved so as to help in delivery of knowledge to learners.

Stress - Inform Speech Essay Example for Free

Stress Inform Speech Essay First, I’ll talk about some of the reasons for stress. Although I’m sure that there are many everyone here probably has their own reasons, I’m going to stick to three main reasons that you can probably relate to. The first one is the amount of schoolwork. College can be so demanding due to such a heavy workload that we’re expected to keep up with. It’s so easy to get overwhelmed. We have projects, tests, papers, exams, midterms, finals, co-ops. Stress can easily build without a good strategy of tackling these assignments. A second reason is pressure to do well. Pressure to do well can come from within. That’s the inner drive, that inner motivation pushing you to succeed. Most here desire to do their best and to get good grades. The Methods of Healing website conducted research and found that 71 percent of college students say that their grades have a direct effect on their level of stress. Pressure to do well can also be external. That’s your family, your friends, your coaches, your teachers, your professors. Everybody who wants to see you succeed. Wanting to live up to the high expectations that they place on you can be pretty stressful. A third reason is change in environment. Now this may affect some of us more than others, depending on if you’re from Rochester or not, but going away to college means leaving behind everything that’s familiar. Your close family, they’re not with you. Your friends, they’re not with you. Some students have never been away from home which can be a difficult adjustment. Then, once you’re here at RIT there’s social acceptance, peer pressure–these are issues we may face since we’re in a new environment. Wanting to fit in can be a challenge and often is. Now, let’s recap the three reasons we talked about. First was the amount of schoolwork, second was pressure to succeed, and third was dealing with a new environment. Now that we know the three reasons, let’s examine some tips to help reduce the stress. There are five simple things we can do to manage our stress. I created an acronym to help me remember the tips. The word I’m using is relax: R-E-L-A-X. We’ll go over each letter one by one. The first letter, letter R, stands for Recognize. We have to recognize the source of our stress before we can address it. Once you realize why you’re stressed, why not keep a journal? Write down everything that you feel. Writing makes you feel more relieved and allows you to pinpoint any trends in your stress. The second letter, letter E, stands for Exercise. Incorporating exercise into your daily routine takes your mind off of problems you may have, and not to mention, it’s good for your body. So create a routine. Set aside time for exercise. Set aside time for classes–for studying, for homework, and then schedule in downtime for yourself. In the end you’ll feel less overwhelmed. The third letter, L, L stands for Let it go. Think about the stressful situation. Will it matter in five years? Will it matter in ten years? If it will matter, take a deep breath and address the stressful situation piece by piece and step by step. If it won’t matter in five years or ten years then let it go. Stressing over small things is tiring and unnecessary. The fourth letter, letter A stands for Attitude. When you talk about school do you say things like, â€Å"Ugh, I’m gonna fail,† or â€Å"That test was so hard I bombed it, I’m never gonna learn this material. † If you do that may sound pessimistic and doubtful. You can self-reflect and adjust your attitude. According to a 2005 Stress Management article, being optimistic and having a positive outlook has a direct connection with how we feel, even with how well we perform. Now the last letter is X. You’re probably wondering what word I came up with to start with this, so I cheated a little bit and it stands for eXtra sleep. All students need sleep for energy. Are you not getting enough? Go to the letter R–recognize why am I not getting enough sleep? Maybe it’s because you’re hanging out with your friends until two, three, four in the morning. Why not cut down that time? You can still hang out with them, just not as long. Maybe you’re not getting enough sleep because you have too much homework. You pull an all-nighter, cramming for an exam, up till 5AM. Why not make a better schedule? And then stick to that schedule. Don’t procrastinate. When you map out your time and you stick to a routine you’ll realize that you have enough time to get everything done, even sleep. In the end we’ll be less frustrated when we get the sleep we needed. Another interesting point that I found is that all stress is not bad. Distress is bad stress. That’s what we’ve been focusing on in this speech. But then there’s also good stress, that’s called eustress. Eustress comes from excitement or adrenaline. But, to focus on managing our negative stress let’s try to remember all of the tips and the word relax. R, recognize where the stress is coming from and address it. E, exercise daily. L, let go of minor problems, don’t worry about it. And A, adjust your attitude and be more positive. And X, get eXtra sleep. In conclusion, we cannot ignore the fact that stress occurs in our lives. Regardless of the reasons we have to manage it one way or another. Above all, from my speech I hope you take away useful tips to deal with your stress so that college is more enjoyable. Even if you can’t remember what each letter stands for, do just what the word says, and relax.

Public Speaking And The Road To Success

Public Speaking And The Road To Success This is my first assignment in Public Speaking, and my topic is The Road to Success. I choose The Road to Success to be my topic is because I consider that it is very important to us. In our life we have many of choice and those choices are the Road. The Road that we choose will be reflected in our future. Are the Road is go to Success or Failure it is not just choose it only and we also have to know how to walk on the Road that we choose. Perhaps we will meet many difficulties and setbacks on the Road, but we must be strong enough to face it, to reach the destination that named success. Otherwise we can only reach to the destination that named failure. Body Definition of The Road to Success The Road to Success is means that the Road go to the Success, this road is not easy to go through because you may be will meet many of the problem and obstacle. But you cannot give up and you have to be strong and courageous to face it because at the back of those problem and obstacle, have your destination that called Success. If you choose to marking time or just choose to only take the shortcuts, you will never reach to the Success, and you may be will go to the place that called Failure! 3 Road To Success Many of the people would ask me that why we to choose the Road, it is because in our life we dont just have one Road only because we have many of the Road to choose and we have to choose it also. I know that wants to make a decision is not an easy thing, and it is not only related to you now, it will also involve you in the future. So when you are make a decision, you must to know that it will bring what consequences for you, and you also have to know that are you made the right decision for you, at the last that you have to bear that all any consequences that it will bring to you in your life. I know that The Road to Success is not an easy Road to walk on, but you have to know that in this world there is no free lunch. So if you want to achieve your goal, you have to know that how to pay for it. It is because if you do not want to make any pay, you will not get anything from the return. So do not think that the benefits of this world will just fall from the sky for you that are because you are not the special one in the world. So anyone that who wants to reaches to the Success, he or she has to be go through on the Road that he or she choose. 4 But I want to tell you all that, if you really want go to the Success, you have to go exactly straight, and if you meet so many of problem and obstacle on the Road that you have choose, please be strong and courageous to face it, do not just escaping from all the problems and obstacles, then just look for those shortcuts. Because when you are walk on the wrong step, you will not arrive to the destination that called Success any more, and you will arrive to the place that called Failure. So I hope that when you all choose your own Road in the time, please think clearly that what Road you have choose and do not just think that you wants to reach to the destination in the short time. We all are normal people; no any one of us is an exception, so that we all will have the experienced on the same way, so please do not think that only you have to go through on the Road. Even those well-known entrepreneurs, politicians, scientists, musicians and so on. They also just like us. They also have to go through such a difficult Road, you have to know that the reason that why today they will be so successful is because they do not give up their choice on the Road that they choose, they were brave to face the Road that are brought so many problems for they. Therefore, today, they will so successful! So do not easily to give up or go back because as long as you are willing to face whatever will comes on the Road that you choose, one day you will also become like them so successful! 5 The Road that each person choose are different, and perhaps that the Road that some people choose are go very easily, but you no need have to envy them because it may have been before he already put a lot of his thoughts on the Road that he choose that you do not know. So you just need to focus on your own Road is enough already, remember that the more you pay, the more that you can also can get. As long as you are willing to pay for it, so you no need to fear that you will not get anything returns from it because time will prove all. Rome and the pyramids are not built in a day, they are also using a lot of time to build it, so if you want to success is also not just in a short time you will success, perhaps walk on the Road that you choose cost you a lot of time, but please believe me that it definitely worth your time to spend. As long as you have the heart to walk on the Road that you choose, one day you will reach to the destination that called Success. So time is not any problem for you. God is fair for everyone. So the Road that you choose that go to Success must be broaden by yourself, but is it will bring you reach to the success? That is only you can go through by the decision that you choose because the fate is rests in your own hands you have to find out by yourself. 6 Poem by Sylvia Chidi The Road to Success We all want to walk on the road of success But do you day by day measure your progress Do you have a vision? Do you have a mission? You need one even if it is inspired by television We all want to walk on the road of success But do you day by day measure your progress Critically look at your personal development Grizzle over the final accomplishment Decide on the instruments you need at the moment? On its road, there are many paths to take With many sacrifices along the way to make Patience, faith and hard work, please dont forsake Or your dreams will pour empty into a wide lake We all want to walk on the road of success But do you day by day measure your progress Is your vision greater than greatness? You are the first one you must try to impress Take a step at a time and do not digress For success when achieved, I say without sarcasm Is more gratifying than any orgasm 7 Conclusion When finish my Public Speaking assignment I found out that wants to do a assignment is not an easy work. But because of my topic The Road to Success, no matter how hard or how difficult it is, I have to be strong to face it. So I did not give up and today my assignment already finish. I choose the Road so I have to go through it, when I was walk on the Road I have meet many problem but I use my best to solve all the problem that I meet, so now I already reach to my Success. The Success that I reach is I finish my assignment. 8 Reference

Changes in Roles and Responsibilities of Nurses in the Moder

Changes in Roles and Responsibilities of Nurses in the Moder Nursing staff have seen their roles and responsibilities change considerably within the modernisation of the NHS, but is this a good thing? There are some big changes in the nursing field in the last 50 years such as, uniform, salaries, job demand, the roles of nurses, the different roles for men and women nurses, the technology used, Litigation and Documentation, Holistic Care and patient load. Nurses are becoming more popular and demanding in all sorts of different working environments such as, working in nursing homes, hospitals, home help, travel nurse, school nurse and more. Years ago, nurses were seen just as little more than helpers or assistants for doctors. Today in 2010, nurses are health care professionals in their own right. They are bright, capable, and often have a clearer picture of the overall situation than the doctors they work alongside with. Nursing has not only changed on the face of it but the background work of a nurse has changed to, for example the education given to nurses, the scope of policies and practice, the structures of nurses and the principles of the care of the patient. People are lead to believe that the modernisation of the NHS will be beneficial to the care of the patient, but is this really the case? Due to the increasingly shortage of nurses, they have learned to be more independent which is an outstanding way to increase skills and keep up to date with the new trends in health care. As well as nursing changing, health care in general has changed too. Within the modernisation of the NHS and nursing the care of the patients is still the everlasting goal. This means that there is more work for the nurses, which then has a knock on affect leading to less satisfaction of patient care. Although the NHS and government are doing their best to modernize nursing with the patients interests are heart, it seems like there is less time for care due to time, but more time for paperwork. The Department of Health has laid down certain policy initiatives, targets and structural and organizational changes that can improve the quality of care received by patients through the NHS. These changes are emphasized along with the need for multi-agency and multi-organizational collaborative working acros s disciplinary boundaries. The four key interfaces for which collaboration and coordination measures are being suggested are health and social care; general medical and community health services; primary and secondary care; and interface with carers (DoH, 1996). The education of nurses now days are a lot more intense and harder than it was 10 years ago. Over the last 10 years, there has been a gradual shift for the education and training of nurses. Currently all nurses have to be trained to a degree university level before they can practice as a fully qualified nurse. Opportunities for nurses have increased by large, with one training opportunity being through the internet although this method of training has to be approved by the NHS. On the other hand, years ago nurses only had to have a diploma or LPNS. Now days all nurses have to attend and complete continuing education courses to keep up to date with the new trends and information used in the current day. In addition to the higher and more advanced education, which nurses now have to have, there comes an increases scope of practice. In the current worlds, nurses are doing more and going places that in the past they would not be allowed to have done. The scope of practice is an expression used for various professions that define the procedures, actions, and processes that are allowed to be used and practiced. In the health care profession, there are many different jobs with very different defined scope of practice laws and regulations. These include nursing, social workers, speech and language pathology,  audiologists,  training, radiography,  nuclear medicine, dentists, surgeons, paramedics, physicians and many more. In the interest of the patients, it is a good thing that nurses are allowed to do more and more as there are more doctors than nurses, so the patients may be seen quicker, but on the other hand, it is not a good thing as nurses are doing more and maybe caring for th e patient need and wished less. Nowadays in hospitals, the wards are not gender mixed although the nurses are gender mixed between wards. The stereotypical roles of a nurse have change a lot since the 1990s. There are more male nurses but still not enough. However although there are still not enough male nurses, the female domination of nurses is slowly decreasing and now more men are entering the caring profession. For patients the more male nurses is a good thing because some patients i.e. men prefer to be treated by a man. For example, a man may like to be washed by a man and not a woman for dignity reasons. In addition, for years, the majority of nursing was thought of as a female profession but every year more and more males are joining the nursing profession. Nowadays being a male nurse does not have a stigma attached to it and is now seen as a very good career. The demand of nurses now in 2010 is by large massive. The NHS is always asking for more nurses. When the baby boom started there was a very large need for nurses but as the baby boom is decreasing now there is time and money for improvement of standards of living and disease control, our citizens are living longer. As the general population increases, so too does the demand for nurses. Now more than ever nurses are overworked but with the increasingly shortage of nurses they have to work harder and longer hours, which again is not benefiting the patients. Because of the nursing demand and staff shortage, staffs are taking more sick days due to excessive stress and lack of sleep and self-time. This is because nursing is very demanding on a person not just mentally but physically too. This is seriously compromising the NHS. In 2010 compared to 1980, there is a lot more technology for nurses to use and to be trained to use. Nurses today have to keep up to date with a lot more technology than a nurse 50 years would have had to. Technology can be seen as a good gadget and as a bad gadget, because not only do nurses have to provide basic and skilled care, they also have to learn how to work with many types of equipment that are specific to their area of expertise. The more popular piece of technology used every day by a nurse is a computer. Nurses use them every day as a way to document the care given to a patient. Although new technology is a good advantage for health care, it has its negatives, for example training the staff to use it costs a lot of money, but on the other hand, it can save lifes. Other important technology that is used every day that benefits a patient is, air mattresses as they help to prevent DVTs and assistance with IV insertion which has made things a lot simpler. All of the new high tech equipment being simplified is for user- friendliness, which means that the new methods are speeding things up. Lastly, infection control plays a big part in the NHS every day, so new technology is being developed all the time, although the basic hand washing procedures remain very much the same. There are many different approaches to nursing care, one being the holistic care. This type of care has become more and more popular. The commutations between the Health and Allied Health services improving, a total Patient Care Model has come about. Resulting in decreased in-patient times and better health outcomes. The holistic care has been seen more popular within the complementary therapies and concepts. The patient load that a nursed has is massive. In America, there was a debate about the amount of patients under care of nurses. In 1999, the debate was won and there was a cap of the amount of patients allowed under care of one nurse. The results have been very effective from happier staff and better care for patients. There should be a cap in the UK. The changes of nursing over the last 10 years have been welcomed with open arms, but there are still teething problems and views that need to be heard. Optimal patient care is in a constant battle with budget and we can expect to see new policy reforms, new technology, and new demands created in the decade to come. It remains the responsibility of not only the nurses, but also the patients of the future, to voice their opinions in order to guide the Industry in the right direction. Nurses are now expected to come with a bigger patents load but more paper work as well. The importance of the paper work has increases over the last 10 years. This is due to the society that we now live in as it has been raised to need someone to blame for everything. As a nurse or doctor there are many emotional people around you every day as people are dying all the time. Therefore, sometimes people sue the nurses and doctors as they are upset and think the person died due to the NHSs fault. Following this, nurses and doctors keep finding themselves in court. Even if they have not done anything, all allegations have to be investigated. This is the reason for paperwork there is to write up. Paperwork is the only solid setting stone and proof/ backup of a nurses care. A nurse is required to document every blood pressure reading, every medication, every incident, and every day. They have to  account  for every action, and put it all in writing. The problem with documentation is th at it takes time. More time for documentation means less time for patients. Plain and simple. The polices that nurses have to follow are very similar across the whole world. In Australia, the no-lift policy was introduced in the late 1990s. To date the policy is still used and the nurses are trained using this policy. No-Lift means using Lifting Machines to mobilise patients, using slide sheets to manoeuvre them around the bed and promoting back care in general. Although this concept is yet to be adopted in the UK, the benefits are becoming obvious and discussions have begun on the implementation of a similar policy in the UK. There are many different types of nurses that work in the community and in the hospitals. These can range from, Adult nurses, mental health nurses, Childrens nurses, Learning disability nurses, District nurses, Neonatal nursing, Health visitors, Practice nurses, Prison nurses, School nurses and Healthcare assistants. There are also many different levels to being a nurse. A health care assistant is under a nurse, and then you have staff nurses, then sisters and ward sisters and then nurse manager/ matron. All in all these all make up our NHS and work as a team to provide the best possible care for the patient. There is a large scale of pay, which starts at around  £13,000 to  £67,000. The above table shows how the NHS works. The last 40 years nurses uniform has changed but not that much. In the 1960s nurses still wore dresses and stocking .In the 1970†²s more changes came to the way nurses dressed. Dresses were a little shorter and the white caps were beginning to lose importance in some hospitals across the country. In the 1980†²s there was an end of the nursing caps altogether. Nurses also began wearing disposable aprons at this point rather than cloth aprons and medical facilities became much less militant in regards to restrictions on jewellery and cosmetics. During the 1990†²s and today, nursing dresses have been replaced with much more user-friendly scrub suits. Scrub suits can be found in a wide variety of colours and styles. Some hospitals have specific scrub suit colours for different types of hospital staff and others allow nurses and other staff to choose colours and styles that appeal to them. Todays nursing uniforms are designed more for function than form but are also conside red much more comfortable than those worn throughout history are. There are many different theories towards nursing. The three main ones are needs based theories. The main point being that the focus of nursing is the assessment and care of the patients / clients needs, which they are unable to meet for themselves. The second theory is interactions theories. The main point of this being the focus of nursing is the relationship between the nurse and the patient / client. Lastly, the other theory is the goal-based theories. The main point again being that the focus of nursing is the outcome and emphasis is placed on facilitating the ability of the patient / client to adapt to changes in their health and regain stability and harmony. Today in the NHS nursing takes on a role of the biomedical model. The biomedical model has been around since the mid- nineteenth century as the most common model used to diagnose diseases. The biomedical model states that All illness and symptoms arise from underlying abnormality in the body, all diseases give rise to symptoms and that health is absence of disease. The model overlooks the fact that the diagnosis is a result of commutation between doctor and patient. Biomedical model has no doubt led to huge medical advances although the patient has little responsibility for presence /cause of illness. In conclusion, the changes in roles and responsibilities of nurses in the modernisation of the NHS can beneficial towards the patients but can also be damaging towards the patients. This is due to lack of staff and increased working hours, more paperwork, and more tasks that a nurse has to do and there are generally more patients now than 10 years ago. Therefore, a nurse has less time caring for the patients needs. On the other hand, the modernisation is seen as a good thing because there is more technology nowadays to make the nurses life easier, which also get a more persist result. Within the context of policies and procedures there are no many more rules than year ago, which does make a nurses life maybe easier but maybe harder. With all of these changes to nurses and the NHS in general, is the modernization is good thing, does it have the patients interests are heart or is it about saving money?

Kidney Stones :: essays research papers

Kidney Stones The medical term for kidney stones is Nephrolithiasis or Renal Calculi. A kidney stone is a solid lump that can be as small as a grain of sand and as large as a golf ball made up of crystals that separate from urine and build up on the inner surfaces of the kidney. A kidney stone that does not pass on out can block the urinary tract. This blockage will probably cause a lot of pain. If medical attention is not received to identify the cause of the pain and remove the blockage, the pain is likely to go away over a few days. This usually will cause the sufferer to think that the problem is over with but it actually has not. The problem that had actually happened was that the kidney that had been blocked has now shut down. This kidney, if left untreated for just a few days, can lead to a permanent loss of the kidney.   Ã‚  Ã‚  Ã‚  Ã‚  There are many potential causes of a kidney stone. They are formed from any of the following, or even two of the following:  ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  a family genetic predisposition to form stone  ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  to local water or soil conditions  ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  intake of excess uric acid, certain medications, Vitamin C, or Vitamin D  ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  a diet of fruits and vegetables high in oxalate  ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  long term dehydration and its resulting concentration of urine  ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  urinary infection  ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  living in an area where high temperatures cause sweating and loss of fluids  ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  possibly, just leading a low physical activity lifestyle Doctors and other physicians say that the best two ways to prevent this disease from happening is to keep yourself well hydrated at all times. This is best done by drinking 2 or 3 cups of water a day and to only eat/drink a certain amount of the following foods:  ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  apples ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  asparagus ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  beer ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  beets ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  berries, various ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  black pepper ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  broccoli  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚ ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  cheese ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  chocolate ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  cocoa ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  coffee ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  cola drinks ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  collards ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  figs   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚ ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  grapes ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  ice cream ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  milk ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  oranges ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  parsley ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  peanut butter ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  pineapples  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚ ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  spinach ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Swiss chard ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  rhubarb ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  tea ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  turnips ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  vitamin C ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  yogurt   Ã‚  Ã‚  Ã‚  Ã‚   If the kidney stone is larger than 1/4 inch in diameter it will most likely pass through the kidney without any medical treatments except for the pain killers to help the patient make it through the kidney stone episode which may last for several days. Those between 1/4 inch and 1/2 inch in diameter are less likely to pass on their own as they get larger. If the kidney stone is larger than 1/2 inch in diameter it will likely need to be either removed by surgery or by lithrotripsy. Lithrotripsy is the process of killing the stone by using

Tombstone AZ :: essays papers

Tombstone AZ "Tombstone has had its share of troublesome people and its high rollers such as the famous Dick Clark. Dick Clark was a trick card man, having an ace up his sleeve or dropping an extra card on the ground for the fun of taking the pot. In 1881 Dick Clark, whose real name was Richard, had run his own saloon in Tombstone. The name of Clacks saloon was 'The Alhambra', with people not being to very good of friends with Clark he had few equals. Clark's saloon was most likely one of the best gambling establishments. Earlier in Mr. Clarks gambling days he had played poker in the army for their money and had enlisted again only to gamble with the army dudes. Tombstone had had some of the best poker games, such as Dick's game against Senator Horace Tabar, and Clark had cleaned him out. Clark had been known for winning as much as 1000 dollars in 6 hands, I believe no one would want to play him when he was on a roll. On his way from coast to coast he was told by a doctor that he had seen that he had an incurable sickness and would later die. The Clark Family, Dick, his wife, and their adopted son had set out from Chicago on their way back to Tombstone. On their way by train they stopped in Albuquerque and Dick died in the hotel in October. When Dicks body was returned to Tombstone, all business closed for his burial."(Time-Life Books, 1978) "Tombstone, Arizona was founded in 1877 and it is the site of the famous gun battle the O.K. Corral. It was said that Tombstone was big for being a place where you could live your life as a king or die with your boots on. Tombstone had become a boomtown a few years later and the silver from mines gave word and it inherited fortune hunters, gamblers, gunfighters, and merchants. This town had, by 1881, a population of 7 thousand and most of which was served by 110 licensed liquor establishments. Because of the way the people are in Tombstone it was a place in which it was hard to raise your kids."(Mike Flanagan, 1987) "Tombstone had a good side to it, the taxing of saloons and others provides the sole support for its school system.

Early Childhood Development Management Essay

Early Childhood Development (ECD) is a holistic, integrated, inclusive approach to Programming, research and policy for young children up to 6 years of age and requires a healthy, safe and nurturing environment that includes opportunities to support the emotional, social, physical, cognitive, and spiritual aspects of children within the context of their community. It welcomes their participation and empowers them as a basis for their future. (â€Å"National Economic Development and Law Center†). Today’s early childhood educators face management and strategic challenges in an increasingly turbulent environment; rapid growth demands increased managerial proficiency. In order to meet these critical challenges, agency leaders must develop entrepreneurial competencies and a firm understanding of core management theories and principles. At times, even the most successful organizations need to redefine business goals and create innovative strategies to excel at a new level. This paper will address the key issues of financial management in an ECD center. Financial management of a school entails School financial analysis and reports, finance policy and procedures, finance resources, school funding, High Yield Investment Accounts, worksheets, taxation and schools education and training funding. (Grossman and Keyes, 231). Finance resources and school funding From National Economic Development and Law Center For the market feasibility analysis for income generation, the financial administrator need to assess what works most effectively for a particular area and the families being targeted. An advertising budget is Set-aside with determination on how to get the most out. A strong market feasibility analysis for a facility development project would prove that there are enough resources. According to (name of first ECD center) there is market demand for child care at rates sufficient to generate revenues to cover not only operating expenses, but also debt service on any loans incurred to develop the facility. Financial feasibility analysis assesses key areas concern with the day care; mainly the number of other child care programs (both center and family based) that already exist in the community; The number of child care spaces already provided in the area; The vacancy rate of other programs in the area; The average cost of care got by contacting and visiting existing providers to find out about their vacancy rates and the kinds of services they offer; The length of current waiting lists that other market-area child care programs currently have; (For existing programs) the length of the business’ waiting list; Age groups that are being served (infants, toddlers, preschoolers, school-age, or a Combination) or that are NOT being served by other programs; Locations of existing child care businesses in your vicinity; The services your proposed business or expansion can provide that other child care providers are not offering, and Types of services offered by existing child care busine sses. (Name of the second center) School financial analysis and reports The administrator describes how the funds being requested will be used. These expenditures should also demonstrate that the center is a good investment, and it shows that the business is financially sound and well managed. The financial analysis section contains four components: Firstly the Summary of financial needs that briefly describes why funding is needed, the type of funding required, total amount needed, and how the funds will be used. Secondly is the A well-prepared development budget showing that the costs involved have been carefully considered including both the line item costs and the known or anticipated sources of funding. Thirdly is financial projections which are financial statements used to predict the future profitability of a business. Projections should be based on realistic research and reasonable assumptions. They include cash flow projections; income (incoming money from parent fees, vouchers, state subsidies, etc. ), and expense projections (health care, tuition or anticipated). Lastly, It is necessary to include financial statements that reflect the businesses past financial activities, a statement of financial position, and a cash flow statement. Previous financial statements or projected statements. (Brealey et al, 1996) Conclusion From Children research, ECD centers ought to be warm nurturing learning environment with trained caring staff, nutritious meals, in a central location of a community having a large safe outdoor play area. These are key areas that a financial administrator should ensure maximum financial support is given as the backbone to the center. (â€Å"Early Childhood Educational Issues†). References: Grossman B, Keyes C Early Childhood Administration, Michigan: Allyn and Bacon National Economic Development and Law Center (2003) Child Care Center Financial Planning and Facilities Development Manual 22nd April 2008 Brealey, Richard A. and Myers, Stewart C, Principles of Corporate Finance, New York: McGraw-Hill, (1996). â€Å"Early Childhood Educational Issues. † National Association for the Education of the Young Children. 22nd April 2008 . (Name of first ECD center). Personal interview. 22nd April 2008. (Name of the second center). Personal interview. 22nd April 2008.

How to Improve Your Health Essay

Introduction Who wouldn’t want to know the recipe for good health? The mixture of healthy diet and physical activity helps the body’s system function better, reducing the risk of heart diseases, diabetes, between other diseases that cause death. To be healthy your body requires a balance of the consumption of the calories on your foods and drinks with your physical activity. Nowadays people are always in a hurry and they forget the importance of taking care of themselves. Most people are sitting at work or in front of the TV the whole day and since people don’t make enough time to prepare their food, all they can eat at a restaurant it is not exactly healthy food. You must understand that not taking care of what you eat and the physical activity you follow every day you are just harming your health and putting it at risk. Today I will speak about how to improve your health. Transition: So what can people do to improve their health? Body It is very important for everyone to take care of themselves. Our body is the  only place we have to live in and it needs for us to take care of it. A healthy diet and physical activity are two essential things to improve our health. I According to the Centers for Disease Control and Prevention, over 69.2% of the population is overweight; this is mainly for the lack of care and time that we put to ourselves. But people need to be committed to make a healthy change in their life to make a difference. A I completely understand that when people hear â€Å"Healthy Diet† they automatically associate it with something hard, almost impossible to do. So we can call it healthy eating habits, but it is easier to understand, the unhealthy foods you need to avoid, such as food with high saturated and trans fats, added sugars and high amounts of sodium which only raises your blood pressure. B You can start by doing changes in your diet, such as switching from whole milk to low fat milk o r fat free milk. Changing a drink loaded in sugar for a natural fruit juice, and avoiding white bread changing it for wheat bread. II If exercise and healthy eating improve your health, bad eating and a sedentary life does completely the opposite; causing overweigh and increases the risk of cancers. A According to the National Heart and Blood Institute over weight and obesity are the main causes of Heart Disease, strokes, type 2 diabetes, cancer, between many other health problems. B Health care professionals state that risk increases with a waist greater than 35 inches for women, 40 inches for men. The recommend diet to follow is rich in fruits and vegetables, whole grains, and fat-free and low-fat dairy products. It is very important to add fruit and vegetables to each meal because they contain many vitamins and minerals our body needs to lower the risk of diseases. III Balance calories from foods and drinks with physical activity are very important. Physical activity will help to lower the risk of heart diseases and cancers. A Exercise help strength your heart and help your lungs work better. It also strength your muscles and keep your joins in good conditions. It is recommended a minimum of 30 minutes of cardio a day. B You don’t necessary need to go to a gym, daily activities count too, you just need to make sure you are doing them to raise your heart rate. Walking the stairs instead of taking the elevator, or choosing a far parking space so you can walk to your destination, as well as washing your car are some  examples of daily activities that can help you. Conclusion I A balance diet and physical activity improves your chances of living longer and living healthier A Unhealthy eating and sedentary life lead to diseases B Healthy diet C Physical activity References U.S. Dept. of Health and Human Services. 2008 Physical Activity Guidelines for Americans. 2008. Centers for Disease Control and Prevention. (n.d). â€Å"Obesity and Overweight.† Nov 21, 2013. CDC/ National Center for Health Statistics. March 28,2014. Print. National Heart, Lung, and Blood. (n.d.). â€Å"What Are the Health Risks of Overweight and Obesity.† July 13, 2012. USA.gov. March 28,2014. Print.

Ict and Banking Industry

A PROJECT REPORT ON THE EFFECT OF INFORMATION AND COMMUNICATION TECHNOLOGY ON THE EFFECIENCY OF BANKING INDUSTRY (IN UDAIPUR CITY) IN THE PARTIAL FULLFILLMENT OF THE REQUIREMENT FOR MASTER OF BUSINESS ADMINISTRATION (MBA) 2007-2009 PACIFIC INSTITUTE OF MANAGEMENT, UDAIPUR Post Box No. 12, Pratap Nagar Extension, Airport road Udaipur-313003 Ph: 0294-2491340 E mail: [email  protected] om,[email  protected] com Submitted by: Submitted to: Chanda Joshi Mr. Dhiraj Jain MBA Part-2 Asstt. Professor, PIM ACKNOWLEDGEMENT Industrialists in professional life are likely and keenly aware of their sense of indebtness to many people who have stimulated & influenced their intellectual development in ordinarily.The feeling is formally expressed in customary gestures of acknowledgement therefore it seems only right to acknowledgement my gratitude with sense of veneration to the almighty & various people helped me to work in systematic & smoother manner. I would like to express my profound thanks to all the respondents who were co-operative enough and spared their valuable time in filling up the questionnaire. Words are not in lexicon to express my sincere sense of gratitude for my mentor, elite guide and path Mr. Dhiraj Jain and, Prof. B.P SHARMA (Director, pacific institute of Management) whose valuable guidance instigating encouragement creative thoughts & constructive criticism had helped me to accomplish this research work successfully. CHANDA JOSHI PREFACE The explosive growth of information and communication technology (ICT) is swiftly changing the banking industry and stern competition between the increasing numbers of banks has resulted in high investment on ICT. This report discusses the effect of ICT on banking industry (service) in Udaipur city with reference to public and private banks.Two Questionnaires were used to collect data from diverse customers and bank employees separately; the customers and bank employees accept as true that ICT has an effect on bankin g industry in India. The results of study undoubtedly show the massive impact of ICT on the performance of the banking industry in India. INDEX PARTICULARS DESCRIPTION 1. ACKNOWLEDGEMENT 2. PREFACE 3. EXECUTIVE SUMMARY 4. INTRODUCTION 5. INDUSTRY PROFILE 6. RESEARCH METHODOLOGY 7. DATA INTERPRETATION 8. FINDINGS,CONCLUSIONS . RECOMMENDATIONS 10. QUESTIONNAIRE 11. BIBLIOGRAPHY EXECUTIVE SUMMARY Advances in the banking sector have ushered in an era of multi – product and multi – service being delivered using multiple yet integrated channels. The use of information and communication technology (ICT) is on the increase and encompasses nearly the entire gamut of banking operations. Rising competition and customer expectations have compelled top management implement, and continuously upgrade, agile scalable ICT practices and solutions.The enormity and range of banking services combined with the complexity of integrated and ICT – enabled delivery mechanisms require com prehensive partnerships to be forged between banks and providers of ICT solutions. ICT has a crucial role to play in the financial sector in at least three main areas: improving the range and efficiency of banking services available to customers, lowering costs increasing the efficiency of capital markets, and allowing for more effective regulations of all types of financial markets and related transactions.The use of ICT enables a better delivery of banking services to both depositors and borrowers within a country and between countries. ICT has a central role in the operation of various capital markets such as stock markets, bond markets and foreign exchange markets, and it is intensively used by market organizers, market professionals and investors in this markets. ICT is also an essential tool for supervisory or regulatory bodies of these markets at both national and international levels.This research presents the preliminary findings of a research study to identify the effect o f implementation of ICT on the efficiency of banks in Udaipur. The methodology includes the collection of data by the questionnaire survey. Two types of questionnaires are to be prepared for the data collection- One questionnaire has been distributed among the customers to know the efficiency of the banking services by using ICT. The second questionnaire is to be filled by the officials of the banks, which will provide information about the need, & importance of the ICT for the efficiency of the bank.Chapter 1 INDUSTRY PROFILE INDUSTRY PROFILE What is banking? Bank may be defined as a financial institution which is engaged in the business of keeping money for savings and checking accounts or for exchange or for issuing loans and credit etc. A set of services intended for private customers and characterized by a higher quality than the services offered to retail customers. Based on the notion of tailor-made services, it aims to offer advice on investment, inheritance plans and provid e active support for general transactions and the resolution of asset-related problems.The essential function of a bank is to provide services related to the storing of deposits and the extending of credit. Basic function may include Credit collection, Issuer of banking notes, Depositor of money and lending loans. Now a days banking is  not in its  traditional way, with the advancement of technology its focusing  on more  comfort of customer  providing services such as: †¢Online Banking †¢ Investment Banking †¢ Electronic Banking †¢ Internet Banking †¢ PC Banking /Mobile Banking †¢ E-Banking The importance of banking sector is immense in the progress and prosperity of any State or country.INDIAN BANKING INDUSTRY The growth in the Indian Banking Industry has been more qualitative than quantitative and it is expected to remain the same in the coming years. Based on the projections made in the â€Å"India Vision 2020† prepared by the Plann ing Commission and the Draft 10th Plan, the report forecasts that the pace of expansion in the balance-sheets of banks is likely to decelerate. The total assets of all scheduled commercial banks by end-March 2010 are estimated at Rs 40, 90,000 crores. That will comprise about 65 per cent of GDP at current market prices as compared to 67 per cent in 2002-03.Bank assets are expected to grow at an annual composite rate of 13. 4 per cent during the rest of the decade as against the growth rate of 16. 7 per cent that existed between 1994-95 and 2002-03. It is expected that there will be large additions to the capital base and reserves on the liability side. Banks in India can be categorized into non-scheduled banks and scheduled banks. Scheduled banks constitute of commercial banks and co-operative banks. There are about 67,000 branches of Scheduled banks spread across India. During the first phase of financial reforms, there was a nationalization of 14 major banks in 1969.This crucial s tep led to a shift from Class banking to Mass banking. Since then the growth of the banking industry in India has been a continuous process. The Public Sector Banks (PSBs), which are the base of the Banking sector in India account for more than 78 per cent of the total banking industry assets. Unfortunately they are burdened with excessive Non Performing assets (NPAs), massive manpower and lack of modern technology. On the other hand the Private Sector Banks are making tremendous progress. They are leaders in Internet banking, mobile banking, phone banking, ATMs.As far as foreign banks are concerned they are likely to succeed in the Indian Banking Industry. Indus land Bank was the first private bank to be set up in India. In the Indian Banking Industry some of the Private Sector Banks operating are IDBI Bank, ING Vyasa Bank, SBI Commercial and International Bank Ltd, Dhanalakshmi Bank Ltd,Karur Vysya Bank Ltd, Bank of Rajasthan Ltd etc are some private sector banks. Banks from the P ublic Sector include Punjab National bank, Vijaya Bank, UCO Bank, Oriental Bank, Allahabad Bank , Andhra Bank etc.ANZ Grindlays Bank, ABN-AMRO Bank, American Express Bank Ltd, Citibank are some of the foreign banks operating in the Indian Banking Industry . CHAPTER-2 INTRODUCTION ————————————————- Meaning of ICT The term â€Å"ICT† describes the use of computer – based technology and the internet to make information and communication service available to a wide rang of users. The term is used broadly to address a range of technologies, including telephones. Central to these is the Internet, which provides the mechanism for transporting data in a number of formats including text, images, sound, and video.Additionally, ICT deals with the application layer, the systems that enable information to be collected and distributed, analyzed, and processed. However, whi le ICT is generally adaptable to different information. Needs and circumstances, its effectiveness in solving development issues still depends on the content it carries. ————————————————- The New Era The 21st century will bring about an all – embracing convergence of computing, communication, information and knowledge. This will radically change the way we live work and think.The growth of high – speed networks, coupled with the falling cost of computing power, is making possible application under dream of in the past. Voice, data, images, and video may now be transferred around the world in microseconds. This explosion of technology is changing the banking industry from paper and branch banks to’ digitized and networked banking services. It has already changed the internal accounting and management systems of banks. It is now fundamentally changing th e delivery systems banks use to interact with their customers.All over the world, banks are still struggling to find a technological solution to meet the challenges of a rapidly changing environment. It is clear that this new technology is changing the banking industry forever. Banks with the ability to invest and integrate information technology will become dominate in the highly competitive global market. Bankers are convinced that investing in IT is critical. Its potential and consequences on the banking industry future is enormous. ————————————————- Technology and Banks Transformation ————————————————-Computers are getting more sophisticated. They have given banks a potential they could only dream about and have given bank customers high expectations. The cha nges that new technologies have brought to banking are enormous in their impact on officers, employees, and customers of banks. Advances in technology are allowing for delivery of banking products and services more conveniently and effectively then ever before- thus creating new based of competition. Rapid access to critical information and the ability to act quickly and effectively will distinguish the successful banks of the future.The bank gains a vital competitive advantage by having a direct marketing and accountable customer service environment and new, streamlined business processes. Consistent management decision support system provides the bank that competitive edge to forge ahead in the banking market place. ————————————————- ————————————————- Major app lication: – The advantage accruing from computerization are three-directional – to the customer, to the bank, and to the employee. ————————————————- ———————————————— For the customer ————————————————- ————————————————- Banks are aware of customer’s need for new services and plan to make them available. It has increased the level of competition and forced them to integrate the new technologies in order to satisfy there customers. They have already developed and implemented a certain number of solutions among them: —à ¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€- * ————————————————-Self – inquiry Facility: ————————————————- Facility for logging into specified self – inquiry terminals at the branch to inquire and view the transaction in the account * ————————————————- Remote banking: ————————————————- Remote terminals at the customer site connected to the respective branch through a modem, enabling the customer to make inquires regarding his accounts, on-line, without ha ving to move from is office. * ————————————————-Anytime banking- Anywhere banking : ————————————————- Installation of ATMs which offer non-stop cash withdrawal, remittances inquiry facilities. Networking of computerized branches inter-city and intra-city, will permit customers of these branches, when interconnected, to transact from any of these branches. * ————————————————- Telebanking: ————————————————- 24- Hour service through which enquiries regarding balances and transactions in the account can be made over the phone. ——â₠¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€- Electronic banking : ————————————————- This enables the bank to provide corporate or high value customers with graphical user interface (GUI) software on a PC, to inquire about their. Financial transaction and accounts, cash transfers, chequebook issue and inquiry on rates without visiting the bank: Moreover, the customer can send LC text and details on bills, and the bank can download the same. The technology used to provide this service is called electronic data interchange (EDI).It used to transmit business transaction in computer – readable from between organization and individuals in a standard format. * ————————————————- As information is cen tralized and updates are available simultaneously at all places, single – window service become possible, leaving to effective reduction in waiting time. For the bank:- During the last decade, banks applied IT to a wide range of back and front office tasks in addition to a great number of new products. The major advantages for the bank to implement IT are: Availability of a wide range of inquiry facilities, assisting the bank in business development and follow – up. * Immediate replies to customers queries without reference to ledger-keeper as terminals are provide to mangers and chief mangers * Generation of various MIS reports & periodical returns on due dates.. * Automatic and prompt carrying out of standing instructions on due date and generation of reports. * Fast and up-to-date information transfer enabling speedier decisions by interconnecting computerized branches and controlling offices.For the employees – IT has increased this productivity through the followings: * Accurate computing of cumbersome and time – consuming jobs such as balancing and interest calculation on due dates. * Automatic printing of covering schedules, deposit receipts, passbook / pass sheet, freeing the staff from performing these time – consuming jobs, and enabling them to give more attention to the needs of customers. * Signature retrieval facility, assisting in verification of transactions, seating at their on terminal. * Avoidance of duplication of entries due to existence of single – point data entry.A search of the banking literature reveals that banks are moving rapidly to take advantage of recent and new customer service and cost reduction opportunities that new technologies offer. IMPORTANCE OF INFORMATION & COMMUNICATION TECHNOLOGY The internet is rapidly becoming the information superhighway of a global electronic marketplace. The rising commercial interests in the internet are especially evident in â€Å"front-end† appl ication such as electronic catalogs, yellow pages, storefronts, malls, and customer support centers.All this application are based on the world wide Web (WWW) – the fastest growing segment of the Internet. Although â€Å"back-end† applications such as electronic data interchange (EDI) are equally important, their adoption has not been as rapid. One major concern is security:: the Internet is generally perceived as not secure enough for transmitting sensitive data such as payments. Upon a closer look, however, this view is not warranted, since technologies such as public key encryption and firewalls address essential security concerns.Moreover, such technologies are already available. The only remaining barrier is the lack of real world users of those technologies. Investing in technology According to a survey conducted by the American Bankers Association, US banks expenditure on information technology grew from $ 16. 3 billion in 1994 to $ 18. 7 billion in 1995  œ an increase of 14. 7%, and $ 1 billion more than the same bankers forecasted they would spend in last year’s survey. By 1998, the banks expect to spend $ 21. 2 billion (an increase of 7. 1%) The New Delivery Systems.The increasing cost of building brick-and-mortar branches, decreasing cost of computers, high delivery costs and slow revenue growth force a relook at the conventional delivery systems. Moreover, growing comfort of technology usage by the customer is rapidly fostering usage of non – branch channels for routine transactions. The new strategy changes the focus of the branch from being a high cost transaction center to a provider of a wide range of services like telebanking, customer service kiosks, ATM’s, and remote electronic banking.New Marketing Opportunities As the new technology is so expensive banks need to use the new systems to do more than deliver information and basic services. Banks need the ability to also sell insurance and investment pr oducts to get a better return on this investment. Telephone banking can bring financial services to the home or office, especially if they are affordable screen phones. By noticing how much interest the customer expresses, the bank can market stock quotes and insurance quotes.Interactive videos are new technology that banks can make available to the customers to maintain personal contact while still lowering the expenses of delivery service. With an interactive video an expert employee is not needed in each branch. Complex life insurance products, open brokerage accounts, customized product illustrations can be widely available where needed. The interactive videos will be cost effective expertise. The internet is a medium to allow banks to offer products to customers outside the normal customer base of a branch.Banks are aware of the customer’s need for these services and plan to make them available before other sources do. THE EFFECT OF ICT ON BANKS Banks is an unusual firm because it does not produce any object or tangible product, like a farmer producing rice or Cement Companies producing bags of cement. On any business day, a bank receives information, stores information, processed information, and distributes information. A saving deposit is recorded, an entry is made in someone’s account, at the right time interest is added, and the customer is periodically provided with a ummary statement. A loan application is received, a file is started, the application is assessed by a loan officer, and the client is either rejected or provided with a credit. Each of these functions can be handled by hand with ledger and pens or, today, they can be handled entirely by data entry, computers, and information systems. What ICT does for a bank is to make a dramatic reduction in the costs of handling information and in the transaction costs to the bank and customer of handling a deposit or loan.Clearly, this reduction benefits both the bank and its customers . The impact of high transaction costs is even more acute in rural areas and gravely Inhibits access even to basic financial services. Out on-going field work shows that a formal lending rate for a farm loan of, say, 15 percent is not sufficient to switch business away from informal lenders who charge a rate of 40 percent or higher. ICT not only increase the efficiency of bank operations but permits banks to offer a wider array of services such as ATMs, telephonic banking, and computer banking.ICT facilities the deeper penetration of credit card services, thereby expediting business transaction. Behind the scenes an ICT system would permit banks to speed up inter bank check clearing and engage in electronic funds transfer such as direct debiting or salary deposits. A credit bureau would enable banks to obtain accurate and immediate information about a customer’s credit history and rating, thus lowering risks, costs, and interest rates. What is perhaps less well – known , is that ICT dose not merely lower information and transactions costs and improve bank efficiency and services.With the development or proper accounting and reporting standards, an ICT system also improves the ability of bank and capital market regulators to track the information they need to regulate financial markets . ICT can help takes and customs authorities to expedite revenue collections and if properly handled it can greatly reduce the potential for unwarranted side payments. Role of information technology in banking industry I. T. in Banking: 1). Technology has opened up new markets, new products, new services and efficient delivery channels for the banking industry.Online electronics banking, mobile banking and internet banking are just a few examples. 2). Information Technology has also provided banking industry with the wherewithal to deal with the challenges the new economy poses. Information technology has been the cornerstone of recent financial sector reforms aimed at increasing the speed and reliability of financial operations and of initiatives to strengthen the banking sector. 3). The IT revolution has set the stage for unprecedented increase in financial activity across the globe.The progress of technology and the development of world wide networks have significantly reduced the cost of global funds transfer. 4). It is information technology which enables banks in meeting such high expectations of the customers who are more demanding and are also more techno-savvy compared to their counterparts of the yester years. They demand instant, anytime and anywhere banking facilities. 5). IT has been providing solutions to banks to take care of their accounting and back office requirements. This has, however, now given way to large scale usage in services aimed at the customer of the banks.IT also facilitates the introduction of new delivery channels–in the form of Automated Teller Machines, Net Banking, Mobile Banking and the like. Further, IT deployment has assumed such high levels that it is no longer possible for banks to manage their IT implementations on a stand alone basis with IT revolution, banks are increasingly interconnecting their computer systems not only across branches in a city but also to other geographic locations with high-speed network infrastructure, and setting up local area and wide area networks and connecting them to the Internet.As a result, information systems and networks are now exposed to a growing number. Technology Products: (1). Net Banking (2). Credit Card Online (3). One View (4). InstaAlerts (5). Mobile Banking (6). NetSafe (7). e-Monies Electronic Fund Transfer (8). Online Payment of Excise & Service Tax (9). Phone Banking (10). Bill Payment (11). Shopping (12). Ticket Booking (13). Railway Ticket Booking through SMS (14). Prepaid Mobile Recharge (15). Smart Money Order (16). Card to Card Funds Transfer (17). Funds Transfer (ECheques) (18). Anywhere Banking (19). Internet Banking ( 20). Mobile Banking (21). [email  protected] (i) Express Delivery 22). Cash on Tap: (ii) Normal Delivery Chapter 3 RESEARCH METHODOLOGY RESEARCH METHODOLOGY Research in common parlance refers to the search for knowledge. It can also be define as scientific and systematic search for pertinent information on specific topic. In fact, research is an art of scientific investigation research is a voyage of discovery . it is also said to be the pursuit of truth with the help of study , observation , comparison and experiment. The rule of research in several fields of applied economics weather related to business or to economy as a whole, has greatly influenced in modern times.The increasing complex nature of business and government has focused on the use of research in solving problem. According to Kiplinger â€Å"research is a systematic, controlled, empirical and critical investigation of hypothetical propositions about the presumed relation among natural phenomenon. Characteristic of Research : ? Research is a systematic and critical investigation into a Phenomenon ? Research is not a mere compilation, but a purposive investigation. ? It aims at describing, interpreting and explaining a phenomenon. ? It adopts scientific method. ? It is objective and logical. It is based upon the observable experience and empirical evidence. ? It is directed towards finding answers to pertinent question and Solution. Stage in Research Process : ? formulating the research problem ? Choice of research design ? Determining sources of data ? Designing data collection forms ? Determining sampling design and sampling size ? Organizing and conducting the field survey ? Processing and analyzing the collected data ? Preparing the research report RESEARCH OBJECTIVES : Objectives of the proposed study are as under:- 1) To study the effectiveness of ICT in banks of Udaipur city. (2) To study the effect of the ICT on service delivery of banks. RESEARCH DESIGN :- A Research Design specifies the methods and procedures for conducting a particular study. The researcher should specify the approach he intends to use with respect to the proposed study. Broadly speaking Research Designs can be groped in to 3 categories: 1. Exploratory research 2. Descriptive research 3. Casual Research For achieving the research objectives which are already stated clearly, The Descriptive Research method was adopted. SAMPLE SIZE :-It describes how many employees and customers of the bank should be surveyed 25 employees and 25 customers of private as well public banks were surveyed. SAMPLING TECHNIQUE:- Respondents were selected on the basis of convenience sampling in the certain private As well as public banks of Udaipur city SAMPLE UNIT :- For the study two types of samples are to be selected – (a) Customers of the banks (b) Bank Employees TOOLS OF DATA COLLECTION :- The following tools were used for the data collection: 1. Structured questionnaire: By asking the structured questions to the employees and customers by interviewing. . Review of written document: some part of this study was collected from the journals and books. CHAPTER-4 DATA INTERPRETATION Various banks in which these employees are working Various banks in which customers are having their accounts A. FOR THE CUSTOMERS Q. 1 TYPES OF ACCOUNTS? Interpretation: The above graph shows about the types of accounts of the customers in the bank. In it 76% have saving account ,12%of customers are having current & 12% 0f customers are having both type of account in the banks. Q. 2 Awareness of the changes due to ICT? Interpretation:The above graph shows the 98% of the customers are aware of the changes due to ICT, but very less ( 2% ) of customers were unaware of it. Q. 4 For last how many years is your bank using ICT? Interpretation: The76% customers respondents their bank using ICT for last 5 & above years and 24% of customer said that their bank is using ICT for the 0-5 years. Q. 5 is every department com puterized? Interpretation: 92% customers respond that every department is computerized in their bank but very few customers i. e. 8% said that every department is not computerized Q. Do you find any problem while using ICT? Interpretation: The above graph shows that 60% of customers find no difficulty while using ICT, 32% said it is very difficult to understand and 8%% find it difficult to operate. Q . 7 Do you find bank staff co-operating ? Interpretation: 97% of customers said that there bank staff is co-operating but 3% respond negatively. Q. 8 Do you think ICT has improved the service delivery of the bank? Interpretation: Above graph shows that the 82% of customers were strongly agreed and 18% were agreed that ICT has improved the service delivery of the bank. Q. Are you satisfied with the banking services providing you after using ICT? Interpretation: Above graph shows that the 82% of customers were strongly satisfied, 16% were agreed satisfied but only 2% were dissatisfied wit h the services providing to them after using ICT. Q. 10 Is any improvement required in this type of services? Interpretation: Above graph shows that the 84% of customers needed improvement in ICT, 16% said that no improvement is required. B. FOR BANK EMPLOYEES Q. 1 Awareness of the changes due to I. C. T. ? Interpretation: The above graph shows that awareness level of the respondents due to the hanges of I. C. T. 100% are aware with the changes due to the I. C. T. in the banks. Q. 2 Is your bank using I. C. T.? Interpretation: The all respondents said that their bank is using information and communication technology. Q. 3 For how long I. C. T. is used in this bank? Interpretation: The Above graph shows about the year of ICT using being used in banks . In it78% of the banks are using ICT from past 0-5 years. After that 22% of the banks are using I. C. T. from past 6-10 year. And no bank has experience to use the I. C. T . more than 11 years. Q. 4 Do you think that implementation of I . C.T. in banks is essential and effective in banks? Interpretation: The above graph shows that the implementation of I. C. T. in banks is very much essential and effective . 66% of employees are strongly agree with it & 34% of employees were agree. Q. 5 Has I. C. T. brought positive changes in your way of working? Interpretation: The above graph shows that the information and communication technology has brought very positive changes in the working way of doing job 68% respondents were strongly agree with it but the very least i. e. 2%of respondents were strongly disagree with the statement.Q. 6 Has I. C. T. brought the positive changes in this bank? Interpretation: 68% of employees accepted that I. C. T. has brought positive changes in their bank ,28% were agree with it but 4% of respondents were disagree with fact. Q. 7 Do you face any problem while using I. C. T.? Interpretation: 82% of the employees do not find any difficulty in using the new system. 10% of the employees find t he new system difficult to understand . 8% of the employees find difficulty in operating the new system. Q. 8 Has training been provided to the employees to use the new system tech. ?Interpretation: The above graph shows that 42% 0f employees were strongly agree that they got the training to use the new system technology, 36% were agree but 20% were disagree & 2% were strongly disagree about the getting of training for using the technology. Q. 9 Has I. C. T. improved the performance of the bank employees ? Interpretation: 66% of respondents were strongly agree that the I. C. T. has improved the performance in their bank, 30% were agree but the rest were disagree with this. Q. 10 Has I. C. T. lead to loss of jobs in banking sector? Interpretation:The above graph shows that 64%0f employees were strongly agree that I. C. T has lead to loss of jobs in banking sector,16% of employees were disagree with the statement. Q. 11 Has I. C. T. affected efficiency in banking services? Interpretat ion: The above graph shows that 68% 0f employees were strongly agree that I. C. T. has affected the banking services,30% were also agree & 2% were disagree with it. CHAPTER- 5 FINDINGS, CONCLUSIONS & RECOMMENDATIONS Findings : 1. 66% of the customers respond that they are getting better services after using Information & communication technology. 2.It was found that 98% of customers & 100% of employees a were of the Changes due to new system technology. 3. It was found that 82% of customers strongly agreed that ICT has improved the Service delivery of the bank. 4. 98% of employees of employees accepted that the information & Communication technology has affected the banking service in positive Manner. 5. This was found that because of ICT has lead to the loss of jobs in banking sector. 6. During the study it was found that because of lower network connectivity Employees as well as customers were getting problem in service. . 100% of Employees as well as customers said that the imple mentation of I. C. T. is essential & effective in banks. Conclusion * Banks 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 appropriate to the risk associated with those products and services. * Financial institution should conduct a risk assessment to identify the types and levels of risk associated with their internet banking application.Where risk assessments indicate that the use of single-factor authentication is inadequate, financial institutions should implement multifactor authentication, layered security, or other controls reasonably calculated to mitigate those risks, the agencies consider single-factor authentication, as the only control mechanism, to be inadequate in the case of high risk transaction involving access to customer information or the movement of funds to other parties. * Most of the customers are satisfied with the services provided by banks. The objective of the study was to find out the effect of information & communication Technology on the efficiency of banking sector in certain private as well as public banks, It was to find out how service delivery is effected after using the ICT in banks. * The study concludes that information & communication technology plays more significant role in the increasing of the banking efficiency in both, private as well as public sector banks. RECOMMENDATIONS:- ? Raise awareness and promote the concept of information &Communication technology among the customers as well as bank Employees. The method of authentication used in a specific internet application Should be appropriate and reasonable, from a business perspective, In light of the reasonably foreseeable risks in that application. ? Conduct training programme once in the month. ? Encourage the use of E-Commerce by providing the better & fast Services. ? An effective authentication method should have c ustomer acceptance, Reliable performance, scalability to accommodate growth, and Interoperability with existing systems and future plan . With the growth in electronic banking and commerce, financial Institutions should use reliable methods of originating new customer accounts online. ? Financial institutions should rely on multiple layers of controls to prevent fraud and safeguard customer’s information. ? Recognize the needs of employees while using the ICT. ? should provide the fast & regular ICT services so that employees can deliver the fast services & customers can gat the better services. ? The daily updating & awareness of new changes in ICT must be in Practice.LIMITATIONS ?The research conducted was limited to Udaipur City only. ?Findings of the study are based on the assumption that respondents have Divulged the correct information. ?The study is confined to selected groups of employees & customers in banks of Udaipur city. ? Few respondents were so much occupied wi th their work that they could not Spare time to fill the questionnaire. ?Due to unwillingness of providing any information, the respondents Filled the questionnaire casually which might have affected the conclusion.BIBLIOGRAPHY www. google. com www. rediff. com Kothari. C. R Research methodology; methods & techniques Questionnaire – 1 FOR BANK EMPLOYEES Contact Person________________________________________________ Age______ Gender_____ Designation_______ Phone No. _____________ Official Address_______________________________________________ _____________________________________________________________ Q. 1Are you a were of the changes due to information and communication Technology in banking system? Yes [ ] No [ ]Q. 2 Is your Bank using I. C. T.? Yes [ ] No [ ] Q. 3If yes, for how long I. C. T. is used in this bank? 0 – 5 [ ] 6 – 10 [ ] 11 and above [ ] Q. 4Do you think that implementation of ITC is essential and effective for Banking sector? A) Agree [ ] B) D isagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] E) neutral Q. 5Has ICT Brought Positive changes in your working way of doing job?A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] E) neutral [ ] Q. 6Do you think that ICT has brought Positive changes in this bank? A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] E) neutral [ ] Q. 7What problem do you face while using this new system technology? A) Difficult to operate [ ] B) Difficult to Understand [ ] C) Easy [ ] Q. 8Did you get training to use the new system technology?A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] E) neutral [ ] Q. 9Do you think ICT has improved the performance of employees in this bank? A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] E) neutral [ ] Q10Do you think ICT has lead to loss of jobs in banking sector? A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] E) neutra l [ ]Q. 11Has ICT affected the productivity / efficiency in Banking services? A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] E) neutral [ ] Q. 12Is any improvement required? Yes [ ] No [ ] Questionnaire – 2 FOR CUSTOMERS Contact person_________________ Age ____________ Gender__________________ Educational Qualification: Under Graduate Graduate Post Graduate Other specify Q1. What type of Account do you operate?A) Saving [ ] B) Current [ ] C) other specify [ ] Q. 2For how long have you been using this bank? A) 0 – 5 [ ] B) 5 – 10 [ ] C) 10 – 15[ ] 15 and above Q. 3Are you aware of the changes due to information and communication Technology in banking system? A) Yes [ ] B) No [ ] Q. 4For last how many years your bank is using I. C. T.? A) 0 – 5 [ ] B) 5 and Above [ ] Q. 5Is every Department is computerized? A) Yes [ ] B) NO [ ] Q. Do you find any problem while using this new system technology? A) Difficult to operate [ ] B) Difficult to understand [ ] C) Easy [ ] Q. 7Do you find Bank staff co-operating? A) Yes [ ] B) NO [ ] SQ. 8Did you get any help services to use new system technology? A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] D) Neutral [ ] Q. 9 Do you think ICT has improved the service delivery of the bank ?A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] D) Neutral [ ] Q. 10Are you satisfied with the Banking services providing you after using I. C. T.? A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] D) Neutral [ ] Q. 11Do you have account in both public sectors Bank as well as in private sector Bank? A) Yes [ ] B) No [ ] Q. 12if any improvement required? A) Yes [ ] B) No [ ]