The britain money market and is for specially britains islamic bank The WritePass Journal

The britain money market and is for specially britains islamic bank Introduction. The britain money market and is for specially britains islamic bank Introduction.Aim What Is Credit Card. History of Credit Card.The Credit Card In Britain.Credit Card System.  Islamic Bank Of Britain.Literature reviews.Justification. Hypothesis.Research MethodologyScope.Limitations.Conclusion.Related Introduction. I aim, in my dissertation to establish a Islamic credit card model in the Britain money market and is for specially Britains Islamic bank. There is no Islamic credit card available till today in Britain, and the only Islamics financial institute is Islamic Bank Of Britain. My research basis Islamic credit card which defeats in the Middle East and in Malaysias money market. The most banks they who provides such card in Asia act according to the deferred payment to know that they (to the inah bay) were discovered later the achievement has the dispute, disguises with to oppose Islamic completely law concept (Shariah). About, the Shariah related mostly bank has their policy formulation own Shariah in Asia to obey the court, but I know the question am at the same time mostly the Shariah committee to am in the same subject question harmful viewpoint. Provides by these Asian Bank these, but is all explanations to according to Holy Bible Koran is not suitable fore-mentioned by from the †Å"Middle East Banker†. when the Persian Gulf States Bank has visits new plans Muslim to believe and to provide them the credit card. Their method is very attractively to principal and granter or the guarantee based on the system. My financial model will simultaneously carry out the religion and financial anticipated two. Perhaps this model also has loads impracticability s as for is, because perhaps by Britains Islamics banks use or they are I knew needs complex procedure. Aim I planed about   Construction of   Islamic credit card   the finance model and specially for s money market. Goal in somebody Followed; the s heel is the academic lecture core goal. 1. Discovers credit card According to Islamic legal (Shariah) s function about payment style. 2. In British appraisal credit card market, and may Muslim use these cards. 3. Provides credit card s reliability and in Islamic market revelation function. 4. Anything about in Islamic credit card Use; These s suitable model existence concept in credit card Use aspect; Discovered that the latent Islamic principles s function credit card is? What Is Credit Card. The credit card possibly is defined to arrive invariable compensation card that to propose may to purchase cardholders credit specific quantity which and pay the flowered amount. Outstanding widespread balanced, in is assigned in the time is may pay, or the interest will cause on surplus balanced. (Paxon and five, 1998) History of Credit Card. The credit card systems first type is developed in the US. Later in 20 centuries at the beginning, will use in the metal plate to the Western Alliance and other financial institute recording the customer detail and the account. The Flatbush State bank introduced its monthly allowance account bank accountholders in 1947. In 1951, the Franklin State bank was issues credit cards first financial institute to other bank customer. (Lindsey 1980). the diners club issued in 1950 the first modern credit card, and was called the travel and the entertainment (T E) card. The US express followed the visitor who ate meal to club and to provide in had the credit period characteristic between the expense and the payment for the credit card 1958, but did not have the partial payments facility. (Wonglimpiyarat 2005) the national credit card first developed and allows it to stretch across Earths other banks in 1966 from the American Bank. Will become all things as for the result rival by later to resu lt in the card between the bank and the main charge name which will provide is joined. (Frazer 1985) The Credit Card In Britain. Barclays issued in 1966 the first credit card in the agreement later by the American Bank. Barclays imports all facilities and the structure in Britain revises the American Bank operation. (Wonglompiyarat 2005) Credit Card System. The visa, the switch and Master manage under the four directions plan. These all transactions through the plan involvement are four main parties; Holder of   the card, through the use of   card, pays the payment, The card publisher, provides the card to the user, and runs the trading account, The retail merchant, sells the goods or the service back-spacing promise for the payment. Merchant acting as a purchasing agent, the absorption retail merchant, obtains from the card publishers payment and the repayment gives the merchant. They have frequently with the merchant, but its Relations; does not force.   Islamic Bank Of Britain. Islamic Bank Of Britain is only Shariah the obedient financial service authority (FSA) authorization financial institute in Britain. It started its operation and located at three British various cities and the branch in 2004 in London and the main office in the Birmingham. Other Islamics bank, I elect likely the bank goal also will provide the choice for the regular mechanics of banking through to avoid interest (Riba) and definitely to maintain the money only spends at the moral enterprise. At present the bank expands its product rapidly and serves two pair of current finances and the banking industry crisis, the Islam community in Britain, the availability non-interest credit card, in massive the growth Islamics mechanics of banking, chooses the choice modern mechanics of banking product and the service, the integrated Islamic financial concept is looking like Lloyds TSB modern bank neutral HSBC and is not voluntarily the high interest rate strong existence rule credit card. (www.i slamic-bank.com) Literature reviews. In today’s society the credit card uses the achievement to pay money a basic way. Has to credit cards various uses for example payment, the Credit facility, the cash advance easy way and as for the status symbol. Presented the payment proposition money value way compared with Islamic credit card and the conventional credit card, has various questions which a lower penalty spends, provides free bonus year after year, a fancier look and the proposition expense gives up. (Ma Sum total Billah 2001). Islam permission use credit card, because it does not incur the interest, and at the same time it does not violate Shariah any rule. (Ahamad and lake huron 2002). Whether I did know the credit card service only pays the main amount as for the user to add on operates and the overhead charge credit card, the financial entry is permitted, because it does not involve any kind in the Islam the element benefit which forbids. (in el Azura 2006). The use to pays money other way credit cards ad vantage for the purchase, the cost effectiveness, the security and the world acceptability is easy to use. (Mohammad 2003). Justification. In the Middle East and Malaysia the method which discussed, anticipated financial model and gift payment method and religious belief flaxen cloth. The research possibly completes the explanation, but is may be the description possibly takes the bank with it to this domain research union important work. Hypothesis. The hypothesis has the limited research in the region Islamic credit card in Britain. (2007) the Shah pale research which and the discovery conducts has in the human limited aware about Islamic credit card. Mohd (2008) has identified influence Islamic credit card usage several factors for them. Had has developed following three hypotheses; H1: Technical and the function services quality has to immediate influence Islamic credit card user. H2: The religion has positive influence to the usage of Islamic credit card. H3: The culture is directly affects Islamic credit cards choice, the usage and satisfaction. Research Methodology The research methodology based on secondary data heavily. My research may use to the bank website in the Middle East and Southeast Asia and various origin together for example article, the research, the journal and the book. Other origins and insure London including on-line Islamics institute mechanics of banking, the Middle East banker magazine library Islamic finance (www.maktabonline.com), journal and complete other on-line resources. Because appears self-confidently in the promiscuous method has the research qualitative and the quantitative method mix. Except that beside further studies may be appears to the possibility to it with the current research findings. Scope. Core goal, if the research is the development to the financial model Islamic credit card Britains Islamic bank. Bank possibly for theirs credit card research applications research at that time credit card in theirs stock list, but its long waiting. The report will also highlight the key question for example in massive the general manner, the belief and the perception about the non-interest Islamic product and the service option and the usage. The report is willing in the modern day mechanics of banking also to show the convention mechanics of banking system choice and Islamic financial concept integration, and, when result trend toward mechanics of banking Islamic way. Limitations. Limits all hates diligently, the research has the loading limit. First it is limited Islamic the credit card and Britains Islamic bank. Next, the sample will be small, and will not provide to the population overall picture. It will concentrate mainly signs in upon arrival at work a broader picture in the merchant, because of it True s stemming from found individual the control use Islamic financial organ. Also the will did not think that perhaps the religious responder and it neglects to the Islamic financial service Islam users great proportion. Conclusion. What the conclusion Islamic Bank of Britanavoids establishing likely is the regular mechanics of banking provides chooses other Islamic bank interest (Riba) and definitely maintains the money only spends at the moral enterprise. Two pair of current finances and banking industry crisis, the Islam community in Britain, is not the availability strong existence non-interest credit card, to chose the modern mechanics of banking voluntarily in massive, Islamic financial concept integrated choice in has looked like HSBC in the modern bank, and a higher interest rate in the regular credit card, there was in the non-interest giant hidden growth potential sum.

Pronunciation Practice for Stress and Intonation

Pronunciation Practice for Stress and Intonation The first step in learning correct English pronunciation is to focus on individual sounds. These sounds are named phonemes. Every word is made up of a number of phonemes or sounds. A good way to isolate these individual sounds is to use minimal pair exercises. To take your pronunciation to the next level, focus on stress on intonation. The following resources will help you improve your pronunciation by learning the music of English. Practice with Pronunciation Using English is a stress-timed language and, as such, good pronunciation depends a lot on the ability to accent the correct words and successfully use intonation to make sure you are understood. Simply put, spoken English stress the principal elements in a sentence - content words - and quickly glides over the less important words - function words. Nouns, principal verbs, adjectives and adverbs are all content words. Pronouns, articles, auxiliary verbs, prepositions, conjunctions are function words and are pronounced quickly moving towards the more important words. This quality of quickly gliding over less important words is also known as connected speech. For more information on the basics of the stress-timed nature of English, please refer to: Intonation and Stress: Key to UnderstandingThis feature takes a look at how intonation and stress influence the way English is spoken. How to Improve Your PronunciationThis how to focuses on improving your pronunciation through the recognition of the time-stressed character of English. I am continually surprised to see how much my students pronunciation improves when they focus reading sentences focusing on only pronouncing the stressed words well! This feature includes practical exercises to improve your pronunciation skills by improving the stress-timed character of your pronunciation when speaking in full sentences. Take a look at the following sentences and then click on the audio symbol to listen to the examples showing the difference between the sentences spoken: In a plain manner, focusing on the correct pronunciation of each word - much as some students do when trying to pronounce well. In the natural, manner with content words being stressed and function words receiving little stress. Example Sentences Alice was writing a letter when her friend came through the door and told her she was going to leave on holiday. I had studying for about an hour when the telephone rang. Fast automobiles make dangerous friends. If you can wait for a moment, the doctor will be with you shortly. Id like a steak, please. Pronunciation Exercises 1 Pronunciation Exercises 2 For Teachers Lesson Plans based on these Pronunciation Exercises for Teachers English: Stress - Timed Language IPre-intermediate to upper intermediate level lesson focusing on improving pronunciation by awareness raising and practice of stress-timing in spoken English. English: Stress - Timed Language IIAwareness raising followed by practical application exercises including: function or content word recognition exercise, sentence stress analysis for spoken practice. Comparison of unnaturally and naturally spoken English by looking at the tendency of some students to pronounce every word correctly. Listening and Oral repetition exercise developing student ears sensitivity to the rhythmic quality of English.

Business Plan for Longines Watches Case Study Example | Topics and Well Written Essays - 1500 words

Business Plan for Longines Watches - Case Study Example It is proposed to start an excusive dealership of the world famous luxury brand of the company Longines in the city of New York. Longines is an internationally famous Swiss brand that has been in the business of manufacturing quality watches since the year 1832. The company is also well known as time-keepers in many international sporting events across the world. The dealership will be situated in the address given above and will be having an area of 2000 sq feet. The interiors will be according to the specifications given by the company and will be similar to other dealers across the world. The store will be temperature controlled with pleasant and well trained staff including a doorman. The venture will be in the form of a sole proprietorship. Advertising in the media will be the main strategy to be followed. Other marketing efforts will include appointment of marketing representatives and internet business. There are several aspects of the business that researcher presented in the case study that needs immediate attention. Firstly, financial planning and management and approaching banks for financial assistance for setting up business. Secondly, the researcher prepared the SWOT analysis for knowing areas of strengths and weaknesses and described the budgeting and financial forecasting for future years. Thirdly, the researcher demonstrated human resources management and personnel management in the case study and other areas which may be of concern for start up trading companies. ... Ten sales persons will be appointed to serve customers. They will be given proper training in technicalities and etiquette. Luxury watch brand market: The luxury branded watch market in the United Sates is dominated only by a few well known international companies. They include apart from Longines, Accutron, Bulova, Citizen, Colibri, ESQ, Movado, Pulsar and Seiko. All these brands, especially Citizen, Longines and Seiko are well known and need no introduction to the market. Growth Rate: It is estimated that the venture will have a growth rate of 10% per year. Outlook: Growing affluence and the need for exclusivity among customers are advantages in this type of industry. The outlook is that the venture will be able to maintain a growth rate of 10% for the next five years. Mission statement: To be the most preferred luxury watch outlet in the city of New York Uniqueness: The dealership of one of the most respected and oldest watch brands in the world. Being an exclusive outlet will allow us to give a better pricing to our customers when compared to sub-dealers of the same brand. Key factors: Quality and name of the brand, high quality customer service and after sales service. Market analysis: Our customers come from up-market backgrounds, occasional purchase by the middle income group, organizations who use our products as gifts. There is no special off season or lean season for this segment and business is expected to be steady throughout the year. It is expected that sales will be higher during festive seasons like Christmas and New Year. It is estimated that there will at least 500,000 potential customers in the city. Distributed among our competitors, we estimate that we have 75,000 potential

Efficacy of Personal and Professional Communication Research Paper

Efficacy of Personal and Professional Communication - Research Paper Example Yet, application of its principles seems neglected in actual clinical set-ups. Although the efficacy of health care communications is disregarded by some, interpersonal and professional communication patterns play primary roles in enhancing quality services, connecting communication gaps, and preventing clinical practice errors. Interpersonal Health Communication Interpersonal communication functions as one of the main areas that need close scrutiny. In clinical settings, interpersonal contact means â€Å"provider-client communication,† which serves as the primary source of association (Schiavo, 2007). Accordingly, clients place their full trust on their clinical providers, in return, the medical staffs do their best to assure their clients’ condition--clients fully depend on health providers for support and treatment. Initially, clients seek health-related advice regarding their health status, establishing interpersonal contact between clients and health providers. In the process of medical consultation, health providers are accountable in exhibiting intellectual and psychological skills in handling their clients (Hubble, Trowbridge, Hubbard, Ahsens, & Ward-Smith, 2008). Part of basic function is forming personal relationship with clients during preliminary inquiry on physiological and psychological disposition. As this is a delicate matter, competent communication techniques must be exhibited by providers--draw out accurate and reliable information as chief basis for further management and treatment. In the assurance of therapeutic interpersonal communication, this augment client awareness and comprehension with suggested care plan, while being time-effective during assessment and examination period (Gordon, 2002). Evidently, the performance of efficient interpersonal strategy in health communication assumes that clients get quality medical attention they seek, and health staff gets to perform their obligatory functions more proficiently. Profes sional Health Communication In another communication area, professional communication serves as important aspect in the care of clients. Schiavo (2007) illustrates this communication classification as involving health providers in a â€Å"peer-to-peer approach...to promote the adoption of best medical and health practice.† In this statement, the professional category in health care communications indirectly affects the clients in the pursuance of standardized medical practice. Through cooperative relationship, each member assumes individual and team responsibilities during decision-making and resolving client-related management issues (O’Daniel, & Rosenstein, n.d.). Team collaboration elevates the features of care provided, in all phases of health process. Their expert exchange of medical information and active participation in the care of clients is critical in achieving holistic health care services and positive health outcomes. Excellent professional communication s erves as best defense against medical errors and neglect (Smith, & Mishra, 2010). Above all else, the professional health team can uphold their oath to ensure patient welfare in every action they perform.

Revision practice Essay Example for Free

Revision practice Essay The revision changes recommended, in the darft states the topic sentence should directly address, the thesis as well as state the topic. Each paragraph should have an effective closing, that reinforces the main point. The revision changes also recommend, the thesis statement should be present, but don’t forget the essay which should begin with an entire. The introductory paragraph, should provide background information on the topic to the readers and grab the readers attention. When writing the supporting detail, for instance when using, learning style, it also means how each individual student learn best, it is best to try to write options for learning. Remember to organize the information in the parargraph, each paragraph should consist of at least five sentences of a topic sentence, and three supporting sentence, and a concluding sentence only in the first line of the paragraph, should be indented. Do not use first person pronouns like †i† in academic writing, also avoid using personal stories in, academic writing, these same ideas can still be convey without making it personal. Working on rewording the paragraph would help to highlight the, same benefits of the ideas, without describing a personal experience. Academic writing should be formal writing, and not informal writing. Avoid repetitive of words, keep conclusion short, it should be four sentence and focus on summarizing, the two or three of the most important main ideas from the essay. The revision changes recommended by, writepoint states when writing avoid leaving a space before a comma. Also remove comma before writing a restrictive phrase otherwise replace†that† with â€Å"which†. Don’t use lots in an essay without commercial words, the word lots is used only for commercial shipments and real estate, are measured in lots. To use â€Å"a lot of†Ã¢â‚¬â„¢ means â€Å"many† â€Å"much† or a large amount†. Also recommended by writepoint for any academic writer, should not divide two-part verb beginning with has/ have/ had. The revision provided by plagiarism checker reports processed on, march 16 2012,the feedback states the slimilarity index, was 0%, internet sources 0%, publication 0%, and student papers n/a. 1. The topic sentence directly address the thesis, as well as states the topic, for instance, the topic sentence states, although students either can learn from online classroom or traditional classroom, online classroom is more flexible. 2. Each paragraph have an effective closing that reinforces the main point , for instance the main ideas are in the three paragraphs, for instance, learning styles, benefits, and cost of education. 3.  The essay is coherent, it flows with ideas smoothly, for instance, online learning and traditional learning, flow in order, one after the other this make the essay easy to understand. It flows from the beginning to the end, because the starting of the essay starts with the topic sentence and ends with the topic sentence, this allows the idea to flow after one another within the paragraph, and from paragraph to paragraph so the ideas can flow smoothly.  The essay flows from the beginning to the end, which starts with the introduction of the topic s entence in the beginning and to the end of the conclusion of the three main ideas, flows in order. 4. The order of the support is logical and effective, because it gives support to the essay, for instance, the essay giveS example of how student can balance work and school, the supporting detail, is how flexible online learning is, and how effective the support is states how student can balance school life and personal life, this makes the order of support logical and effective. . The essay provides strong evidence to support any opinions, the evidence to support the opinions is ,saves money on gas for car, due to no travel time, this allows saving time and money saving. 6. The essay reflects on the evidence and explain its importance, the evidence is student can benefit, the importance is student can save money and time, which do explain no travel time and also student don’t have to pay for parking, this allows students to save time and money. . The essay use strong transition between sentences and between paragraphs, the words and phrases shows how the ideas in the sentence and paragraph are related, for example, online learning style, is the transitions between traditional learning The next steps to be taken in the revision process, is to take out unnecessary words and replace weak words, with specific and appropriate wording, this helps the essay. Revision process, allows you to make changes to the first draft before you put the finishing touches, during the editing and proofreading stage. The revision process allows you to improve the draft before you start the editing process. The revision process, is the step when you, add, cut, move, or change information in order to make the ideas in the essay, more accurate, more interesting or more convincing. After revising the content, the next step is to do the editing. This allows you to examine the surface features of the content. The editing process, allows you to examine your spelling, grammer, usage of words, and punctuation in the darft. When editing, it helps you to use proper format when creating the finished essay. The revision process, overall allows you to, add, cut, move, or change information in order to make the ideas in the essay, more accurate, more interesting, or more convincing, when writing your essay.

The First World War (WWI) :: World War 1 I One

World War II or the Second World War was a global conflict that began on 7 July 1937, in Asia and 1 September 1939, in Europe and lasted until 1945, involving the majority of the world's countries and every inhabited continent. Virtually all countries that participated in World War I were involved in World War II. It was the most extensive and expensive apocalyptic armed conflict in the history of the World. Attributed in varying degrees to the Treaty of Versailles, the Great Depression, nationalism, and militarism, the causes of the war are a matter of debate. On which date the war began is also debated, cited as either the German invasion of Poland on 1 September 1939, the Japanese invasion of China on 7 July 1937 (the start of the Second Sino-Japanese War), or earlier yet the 1931 Japanese invasion of Manchuria. Still others argue that the two world wars are one conflict separated only by a "ceasefire". Fighting occurred across the Atlantic Ocean, in Western and Eastern Europe, in the Mediterranean Sea, Africa, the Middle East, in the Pacific and South East Asia, and it continued in China. In Europe, the war ended with the surrender of Germany on 8 May 1945 (V-E and Victory Days), but continued in Asia until Japan surrendered on 15 August 1945 (V-J Day). Approximately 57 million people died as a result of the war, including acts of genocide such as the Holocaust, the Rape of Nanking, and General Ishii Shiro's Unit 731 experiments in Pingfan. As a case of total war, it involved the "home front" and bombing of civilians to a new degree. Atomic weapons, jet aircraft, and RADAR are only a few of many war-time inventions. Post-war Europe was partitioned into Western and Soviet spheres of influence, the former undergoing economic reconstruction under the

Langston Hughes “Salvation” Essay

â€Å"Salvation† is taking from the first of these , The Big Sea ( 1940 ), and written by Langston Hughes who was a brilliant author, poet who wrote fiction, history, autobiography, and he worked at various times as a journalist. You can clearly see in â€Å"Salvation† was taking time at South – country side. From the Title â€Å"Salvation† you can have a guess and you will be right if you were thinking about church, God and so on. -But not really saved? -To bring the young lambs to the fold? -When you were saved you saw a light, and something happened to you inside -So I sat there calmly in the hot, crowded church, waiting for Jesus to come to me -The preacher preached a wonderful rhythmical sermon, all moans and shouts -Then he said: â€Å" Won’t you come? And the little girls cried. And some of them jumped up and went to Jesus right away. But most of us just sat there -Nothing! I wanted something to happen to me, but nothing happened -Oh, Lamb of God! Why don’t you come? -I began to be ashamed of myself, holding everything up so long. -So I got up -Then joyous singing filled the room -I was really crying because I couldn’t bear to tell her that I had lied, that I deceived everybody in the church, that I hadn’t seen Jesus, and that now I didn’t believe there was a Jesus anymore, since he didn’t come to help me. Langston Hughes recalls how he was introduced to religion and the church. He goes to say that at thirteen years old he was brought to his Aunt Reed’s church and was told that he needed to be saved by Jesus Christ. At the ceremony, while all other children went up to accept Jesus, Langston and another child named Westley remained seated. At the congregation prayed and the priest sang psalms, Westley cracked under the pressure and went up to the altar, but Langston still sat. He had literally taken the phrase â€Å" you will see Jesus† and felt bad about lying to the church because, after all, he had still not seen Jesus but was anxious to meet him. Finally, Langston came to the decision that it was getting late and one little lie about seeing Jesus couldn’t hurt. He then went to the altar and accepted Jesus. That night his aunt heard him crying and assumed that it was because he had come to terms with God, But Langston was crying because he felt guilty having to lie to everyone about seeing Jesus and he was even more hurt that Jesus never came to help him. At first, the piece seems to be about naive boy who believes that Jesus would physically appear in front of him. In deeper sense, however, it dives into a questioning of faith. The story could be seen and a very common scenario among people having trouble with identifying there religious inclinations. Sometimes, there so much pressure put on people by their peers to choose a religion. These people often look for signs or aid from a higher power to help guide them. After receiving no signs or guidance, they renounce faith in God and Jesus and blame the higher being. In Langston case; his aunt, the priest, and the congregation put tremendous amount of pressure on him to become a member of the church, instead of explaining to him that â€Å"see† meant to â€Å"understand† and â€Å"accept† that Jesus died to save him and give him eternal life. His aunt could have helped him by explaining that not physically â€Å"see â€Å"Jesus that evening. Instead, he felt alienated possible because this way first that he had ever known of anything having to do with Jesus or the bible, and he was not helped to understand what was going on.

Circular Flow Essay

Some income is saved and saving represents leakage from the circular flow of income because its part of the income paid out by firms which does not return to them through spending of households. If you save, economy slows down as there’s less money in circular flow. So if Gov. takes money from economy in form of tax and doesn’t spend it, or if people buy more things from abroad than they export (foreign trade), economy slows down as money leaves circular flow. Leakages determine size of multiplier. Tax is leakage because they remove purchasing power from the system. Injection – in circular flow are I (investment – increase in capital stock), G (government spending) and X (exports) Export is injection as spending of foreign households on domestic produced output is an additional source of income. Increase in investment (machinery, building) may increase spending in an economy as well as productive capacity enabling economic growth. Firms contribute to expenditure when they buy investment goods and add to their productive capacity. Change in balance between investment + consumption activity has effect on LR path of economy. Government spends (inj) on G/S – provisioning public goods but to finance these they must raise revenue – tax (w/d) International Trade is important as part of expenditure on G/S is form of exports and part is by households on imports Injections increase circular flow and a change in any of these are magnified by multiplier. If injections > leakages, spending on goods and services will exceed planned level of production. Firms will expand output and national income will rise (economy grows). If leakages > injections, production will exceed the current level of expenditure. Firms therefore reduce output and national income will fall (economy contracts) Injections = leakages, national income won’t change ; National Income Equilibrium: where AD for G/S = AS produced Wealth effects: Wealth is sum of all assets in an economy. It is a stock concept whereas income is a flow concept. This means wealth doesnt have direct impact on circular flow of income but changes in wealth can effect income/ spending If you live in a property that increase in value, you may feel more confident about spending in the economy and your increased spending will then become part of circular flow of income. If houses become more expensive, one can go to their mortgage provider and request mortgage equity – taking loan based on increased wealth. When that loan is spend, circular flow increases. In contract, when capital markets take a downturn in USA, people living on pensions in UK might find that their incomes fall because dividends on pension funds are often based on capital gains of shares. In UK most wealth is held in form of housing (59%) in other major forms of wealth are stocks, shares, and capital assets Exam skills: Income is measured by real GDP. Wealth is stock concept. income is flow concept. Wealth in UK is 6. 5 trillion – 5x total income in economy. Most income in UK is help in form of housing (59%) Capital assets/stock in UK is about 2. 6 trillion – less than cost of maintaining all capital stock in current condition – cost known as depreciation. Consumption is not an injection. You cant argue that increase in house price (wealth) causes fall in AD because people dont have as much money to spend on other things. A mid market taxi firm. Scenario is a recession In a recession, or downturn in the economy, consumer confidence decreases because spending power has reduced. This wall cause those taxi users to switch to cheaper forms of transport e. g. public transport (buses) or trains. London already has a transport system of underground trains and buses so those middle class incomers may choose to switch to this. However there may be some users who have no other choice than to use a taxi so they have to pay extra Solution is to decrease prices in order to keep demand sustained so taxi users remain using taxis and not overcrowd the other forms of transport. Consumer behavior

Information on the Test for US Citizenship

Information on the Test for US Citizenship Before immigrants to the United States seeking citizenship can take the Oath of U.S. Citizenship and begin enjoying the benefits of citizenship, they must pass a naturalization test administered by the U.S. Citizenship and Immigration Services (USCIS), formerly known as the Immigration and Naturalization Service (INS). The test consists of two parts: the civics test and the English language test. In these tests, applicants for citizenship are, with certain exemptions for age and physical impairment, expected to demonstrate that they can read, write, and speak words in ordinary daily usage in the English language, and that they have a basic knowledge and understanding of American history, government, and tradition. The Civics Test For most applicants, the most difficult part of the naturalization test is the civics test, which assesses the applicants knowledge of basic U.S. government and history. In the civics portion of the test, applicants are asked up to 10 questions on American government, history and integrated civics, like geography, symbolism and holidays. The 10 questions are randomly selected from a list of 100 questions prepared by the USCIS. While there may be more than one acceptable answer to many of the 100 questions, the civics test is not a multiple choice test. The civics test is an oral test, administered during the naturalization application interview.In order to pass the civics portion of the test, applicants must correctly answer at least six (6) of the 10 randomly selected questions.In October 2008, the USCIS replaced the old set of 100 civics test questions used since its old INS days, with a new set of questions in an attempt to improve the percentage of applicants passing the test. The English Language Test The English language test has three parts: speaking, reading, and writing. The applicants ability to speak English is evaluated by a USCIS official in a one-on-one interview during which the applicant completes the Application for Naturalization, Form N-400. During the test, the applicant will be required to understand and respond to directions and questions spoken by the USCIS official.In the reading portion of the test, the applicant must read one out of three sentences correctly in order to pass. In the writing test, the applicant must write one out of three sentences correctly. Passing or Failing and Trying Again Applicants are given two chances to take the English and civics tests. Applicants who fail any part of the test during their first interview will be retested on only the part of the test they failed within from 60 to 90 days. While applicants who fail the retest are denied naturalization, they retain their status as Lawful Permanent Residents. Should they still wish to pursue U.S. citizenship, they must reapply for naturalization and repay all associated fees. How Much Does the Naturalization Process Cost? The current (2016) application fee for U.S. naturalization is $680, including an $85 biometric fee for fingerprinting and identification services. However, applicants 75 years of age or older are not charged the biometric fee, bringing their total fee down to $595.   How Long Does it Take? USCIS reports that as of June 2012, the average total processing time for an application for U.S. naturalization was 4.8 months. If that seems like a long time, consider that in 2008, processing times averaged 10-12 months and have been as long as 16-18 months in the past. Test Exemptions and Accommodations Because of their age and time as legal permanent U.S. residents, some applicants are exempt from the English requirement of the test for naturalization and may be allowed to take the civics test in the language of their choice. In addition, seniors who have certain medical conditions can apply for waivers to the naturalization test. Applicants age 50 or older when they filed for naturalization and have lived as a lawful permanent resident (green card holder) in the United States for 20 years are exempt from the English language requirement.Applicants age 55 or older when they filed for naturalization and have lived as a lawful permanent resident (green card holder) in the United States for 15 years are exempt from the English language requirement.While they may be exempt from the English language requirement, all senior applicants are required to take the civics test ​but may be allowed to take it in their native language. Complete information on exemptions to the naturalization tests can be found on the USCIS Exceptions Accommodations website. How Many Pass? According to the USCIS, more than 1,980,000 naturalization tests were administered nationwide from October 1, 2009, through June 30, 2012. USCIS reported that as of June 2012, the overall nationwide pass rate for all applicants taking both the English and civics tests was 92%. In 2008, the USCIS redesigned the naturalization test. The goal of the redesign was to improve overall pass rates by providing a more uniform and consistent testing experience while effectively assessing the applicants knowledge of U.S. history and government.Data from the USCIS report Study on Pass/Fail Rates for Naturalization Applicants  indicate that the pass rate for applicants taking the new test is significantly higher than the pass rate for applicants taking the old test.According to the report, the average annual pass rate for the overall naturalization test has improved from 87.1% in 2004 to 95.8% in 2010. The average annual pass rate for the English language test improved from 90.0% in 2004 to 97.0% in 2010, while the pass rate for the civics test improved from 94.2% to 97.5%.

Popular Uses for Footnotes, Easier Footnotes with Software

Popular Uses for Footnotes, Easier Footnotes with Software You might be wondering if footnotes have become obsolete by now. Nothing could be further from the truth. While it is true that many publications favor the use of endnotes or APA style citation, footnotes still have their established realms of use. Popular Uses for Footnotes One popular use for footnotes is as a source of supplemental information. If you mention in a paper that one neighborhood lives in poverty, you might mention the exact statistic within a footnote. The position of the footnote is helpful in this instance, as the reader has to only glance down to augment their current information. Another popular use of footnotes is quotation. Perhaps you have quoted one source in the document, and wish to provide an exact or expounded quote or reference below. Footnotes provide the perfect instance for integrated information and quotation whenever you need them. Easier Footnotes with Software You might recall older word processing software that made inserting these notes a nightmare. Even in modern word processing programs, footnotes can become tedious and tiresome. However, with modern Chicago Style software, you can insert footnotes with the touch of a button, making the entire process streamlined.

Organization Change in Educational Institutions Essay - 10

Organization Change in Educational Institutions - Essay Example The concentration of the majority of service providers remains the condition of corrective support to individual clients; taking into account of the big picture, which includes system-wide deterrence and intervention, frequently does not occur (Greve 2003). Several kinds of literature associated with intended organizational change have emerged, but most are not aimed at important school practitioners such as guidance counselors, teachers, and administrators. In addition, hardly any books or articles on consultation published in the recent years include sufficient discussions of organizational consultation, in spite of the fundamental function that change at this discipline should fulfill in the educational transformation movement. The published evidence-based practice of the process is even more difficult to find. There have been a number of current developments, though, in the conceptual literature on organizational change that is more and more manifested in practice in educational institutions. For example, from the 1960s to the 1980s, organizational change embarks on largely concerned long-established organizational development frameworks in which either consultants or administrators had the primary function in developing and instigating change. Nowadays, though, such frameworks no longer seem to be as much fashionable (Harrison 1994), and a dissimilar body of components manifesting more collaborative attempts typifies effective intended-changed approaches. Further, there is a growing appreciation of the ecological perspective in which collaborative relationships between individual and small groups take place. Cases of various recent initiatives that demonstrate these developments will be discussed in this essay.

Organizational Managment Essay Example | Topics and Well Written Essays - 250 words - 1

Organizational Managment - Essay Example In this regard, it has been observed that the organizational change usually brings a change in the quality, cost and satisfaction of the product or service that the organization manufactures or produces, respectively. For instance, Reid et al. (2010) undertook a detailed study of the health care organizations to evaluate the change in the quality, cost and satisfaction in the organization after the incorporation of patient-centric medical home model. The model required that the healthcare policies and regulations should be re-written with the focus on patient care, requirements, needs and wants instead of management’s point of view. As a result, the study showed that after the implementation of the model, the patient’s burnout cases, their experiences at the hospital and the costs of the facility have improved substantially within the lapse of twenty four months since the incorporation. This shows that there is a positive relationship of the cost, quality and satisfacti on of organization and its customers with the organizational change. Reid, R.J., et. al. (2010). The group health medical home at year two: cost savings, higher patient satisfaction, and less burnout for providers. Health Affairs, 29 (5): pp. 835-843. Retrieved 29 July 2012 from