Sunday, December 29, 2019
Describe How to Establish Respectful Professional...
CONSTRUCTING THE TEAM by Sir Michael Latham Joint Review of Procurement and Contractual Arrangements in the United Kingdom Construction Industry Final Report July 1994 à © Crown copyright 1994 Applications for reproduction should be made to HMSO First published 1994 ISBN 0 11 752994 X Designed by Design, Drawing and Print Services DEPARTMENT OF THE ENVIRONMENT Foreword Constructing the Team ................................................. v Executive Summary ..............................................vii Chapter One Introduction and the Role ofClients ................................................1 Chapter Two General Comments on the Economic Backgroundâ⬠¦show more contentâ⬠¦I have been immensely helped by many people, and especially by Deborah Bronnert of the Department of the Environment, to whom I am particularly grateful. But shortcomings or mistakes in this Report are my fault alone. Some recommendations are radical. The participants in the construction process can react in three ways to them. They can refuse to have anything to do with the Report. That would be a pity. The problems would remain, but the goodwill to tackle them, which has been growing dramatically over the last twelve months, would be lost. They can pick out the sections which suit them and reject the rest. If everyone does that, nothing will happen. Or, hopefully, they can try to make the package work, through the implementation structures which the Report recommends. They can set about Constructing the Team. The time to choose has arrived. The construction process cannot wait 30 years for another Banwell or 50 years for another Simon. ââ¬â¢ Michael Latham July, 1994 v Constructing the Team Executive Summary 1. Previous reports on the construction industry have either been implemented incompletely, or the problems have persisted. The opportunity which exists now must not be missed (Chapter 1, paragraph 1.10). Implementation begins with clients. The Department of the Environment should be designated by Ministers as lead Department for implementing any recommendations of the Report which Ministers accept. Government should commit itself to beingShow MoreRelatedTDA 2.3 ââ¬â Communication and Professional Relationships with Children Young People and Adults Interacting with and Responding to with Children and Young People1080 Words à |à 5 Pagesï » ¿TDA 2.3 ââ¬â Communication and Professional Relationships with Children Young People and Adults Interacting with and Responding to with Children and Young People [TDA2.3 à ââ¬â à 1.1,1.2,1.3,1.4, 2.1, 2.2] à CHILDREN YOUNG PEOPLE 1) How to establish respectful, professional relationships with children and young people Youââ¬â¢ll need to change your behaviour and method of communication when establishing respectful, professional relationships with children and young people. This canRead MoreDescribe How to Establish Respectful, Professional Relationships with Children and Young People1035 Words à |à 5 Pages1.1 Describe how to establish respectful, professional relationships with children and young people. It is essential to establish respectful and professional relationships with children and young people in the role of Teaching Assistant. There are certain strategies which enable such a valued and trusted relationship be established. A relationship in which a child trusts and respects their TA and feels comfortable in their company, allows the TA to offer a supportive and caring environmentRead MoreTda 2.5 Essay2575 Words à |à 11 PagesTDA 2.3 Communication and professional relationships with children, young people and adults. Zoe Abson Children and young people 1.1 Describe how to establish respectful, professional relationships with children any young people To establish and maintain a respectful and professional relationship with children and young people in setting the Teaching assistant must always put the children first, never appear bored or uninterested, always encourage children and never make them feel likeRead Morelevel 3 supporting teaching learning Essay1166 Words à |à 5 Pagesï » ¿Tasks to do in school Assignment 2 Task 5: explain how the processes used by own work setting or service comply with legislation that covers data protection, information handling and sharing. Assignment 3 Task 5: demonstrate how to identify potential hazards to health, safety and security of children or young people, families and other visitors and colleges. Task6: demonstrate ability to deal with hazards in the work setting or in off site visits. Task 11: give example from own practise ofRead MoreEffective Communication1225 Words à |à 5 Pageschildren, young people and families Good communication is central to working with children, young people, families and carers. It helps build trust, and encourages them to seek advice and use services. It is key to establishing and maintaining relationships, and is an active process that involves listening, questioning, understanding and responding. You should always communicate with them appropriately to match the stage of development, personal circumstances, and needs of the person youââ¬â¢re talkingRead MoreTda 2.3 Communication and Profesionalrelationshipswith Children and Young People3181 Words à |à 13 PagesIntroduction In this assignment I will be discussing the different way we communicate with children, young people and other adults. Also, how to deal with disagreements between children and adults. And looking at how we speak and communicate with people and the benefits it has Task 1 Children and young people Describe how to establish respectful, professional relationships with children and young people Itââ¬â¢s most important that first of all you talk to a child or young person that is at a levelRead MoreSchool And Classroom Practices That Validate And Value Similarities And Differences Among Students894 Words à |à 4 Pagesapproach to attain his academic goals. Teachers could have used a differentiation approach to keep Jerryââ¬â¢s attention in the task and away from distractors. Tomlinson and Allan (2000) describe the differentiated classroom as flexible. They continue explaining the principle, ââ¬Å"all students consistently work with ââ¬Å"respectfulâ⬠activities and learning arrangementsâ⬠(p. 7). However, differentiation takes time and effort. It was easier to have an associate to look for Jerryââ¬â¢s negative behavior to evidenceRead MoreTDA 2.1 communication6117 Words à |à 25 PagesDescribe how to establish respectful, professional relationships with children. Whilst trying to establish a respectful, professional relationship with children it is important that you are able to adapt yourself easily to the level of the child/children you are working with. You need time, patience, listening skills and good communicational skills. It is important that you are aware and take into account the individual abilities, personalities and cultural needs of the children as this willRead MoreEssay on Pwcs 313418 Words à |à 14 Pagescommunication in adult social care Identify the different reasons people communicate. One of the reasons people communicate is to understand each other. Understanding is a big part of communication as you have to understand what people problems may be, but also to take on board their views and opinions on the situation to be in a position to hopefully sort out their underlying problems. Another reason people communicate is so that they can build positive relationships with people and ensureRead MoreDignityL2 4 1936 Words à |à 8 Pagesand social care settings - for example: - question of whether a person with early dementia should continue driving, - balance between facilitating a person`s wishes and protecting their safety may arise in terms of safe walking outside, - considering how to meet a person`s desire for privacy in the bathroom despite concern about the danger of falling. Encouraging independence and freedom of action is an important part of providing good quality of care and of supporting a person`s autonomy. Restrictions
Saturday, December 21, 2019
The Civil Rights Movement - 911 Words
The Civil Rights Movement: Martin Luther King Jr. Martin Luther King Jr. changed history not only for African Americanââ¬â¢s, but for all who live in the United States. Martin was born on January 15, 1929, in Atlanta, Georgia. As a child Martin attended many public segregated schools throughout Georgia until he graduated at the age of fifteen. Following high school, Martin Luther King Jr. attended many colleges such as, Morehouse College, Crozer Theological Seminary, and Boston University. While studying at Boston, Martin met his wife Coretta, whom which he married and had two children. Most of the King family were preachers, pastors, reverends, and ministers. Following the footsteps of his family, and after the many years of college, Martin became a pastor in Montgomery, Alabama at a Baptist church. The decade in which Martin was growing up, was an era of racism, discrimination, and hatred. He was a strong believer in his family, faith, and rights. In 1948 the beginning of the c ivil rights began. President Truman signed an executive order stating ââ¬Å"It is hereby declared to be the policy of the president that there shall be equality of treatment and opportunity for all persons] in the armed services without regard to race, color, religion, or national origin.â⬠This one statement kicked of the entire civil right movement. Segregation and unfair treatment to colored people was normal to Americans. Whites felt that picking on colored was best because ââ¬Å"they arenââ¬â¢t likeShow MoreRelatedThe Rise Of The Civil Rights Movement1179 Words à |à 5 Pagessegregations. Out of the numerous elements that arose in the 1960s, there are three movements that truly affected the American society. Firstly, the rise of the civil rights movement was greatly influenced by racial discrimination of colored people in the South. Secondly, the womenââ¬â¢s movement aimed to convince the society that women are capable of achieving and maintaining higher waged jo b like males. Lastly, the gay rights movement aimed to gain acceptance and stop discrimination of homosexuality. The mostRead MoreThe Folk Music Of The Civil Rights Movement1208 Words à |à 5 PagesResponse Paper #4 The folk music of the Civil Rights Movement ââ¬Å"came out of tradition, common experience, and generations of resistanceâ⬠(Dunaway 2010: 140). The songs used throughout the movement derived from the shared experiences and struggles of African Americans while connecting ââ¬Å"the gentle, idealistic world of folk music and the integrationist world of civil rightsâ⬠(Dunaway 2010: 145). Songs, such as ââ¬Å"We Shall Overcomeâ⬠, were put through the folk process, where a song is passed on and alterationsRead MoreThe Great Leaders Of The Civil Rights Movement1563 Words à |à 7 Pages They seem to be forgotten until they are highlighted once again. Another example of a person that was not really highlighted for their actions is Nina Simone. She made an impact on the Civil Right Movement that not many other artist or celebrity would have done. When you think of the Civil Rights Movement the first three that come to mind of course are, Martin Luther King Jr., Malco m X, and Rosa Parks. So, when someone hears the name Nina Simone the two most common responses might be ââ¬Å"Whoââ¬â¢sRead MoreSocial Movements : Black Civil Rights2647 Words à |à 11 PagesSocial movements are vital to the establishment of our societies, and they way we are governed. Social movements help the less privileged band together to create a stronger voice among a sea of political correctness and unlawfully rule that the public supposedly have to abide by without question. Movements create this new form of platform that, if done successfully, are able to create a worldwide frenzy where people from across all walks of life, including politicians, academics, the less fortunateRead MoreThe Civil Rights Movement Essay1601 Words à |à 7 PagesThe Civil Rights Movement ââ¬Å"I have a dream that my four little children will one day live in a nation where they will not be judged by the color of their skin but by the content of their character.â⬠This was a speech by Martin Luther King Jr. Even one hundred years after slavery was banned, African Americans were still being treated unfairly. Martin Luther King Jr. was one of the most famous leaders of the Civil Rights movement in the 1960ââ¬â¢s. The Civil Rights movement was a movement of AfricanRead MoreThe Civil Rights Movement Essay1190 Words à |à 5 Pages The Civil Rights Movement The 13th amendment, passed on the first of January, 1865 abolished slavery throughout America. Although African Americans were considered free after this amendment was approved, they still had a long and arduous struggle to absolute freedom. Before the Civil Rights Act of 1964, segregation in the United States was frequently used throughout many of the Southern and Border States. Schools, bathrooms, libraries, and even water fountains were segregated. Though there wereRead MoreThe Civil Rights Movement Essay1259 Words à |à 6 Pages The civil right movement refers to the reform movement in the United States beginning in the 1954 to 1968 led primarily by Blacks for outlawing racial discrimination against African-Americans to prove the civil rights of personal Black citizen. For ten decades after the Emancipation Proclamation, African-Americans in Southern states still live a rigid unequal world of deprive right of citizenship, segregation and various forms of oppression, including race-inspired violence. ââ¬Å"JimRead MoreEssay on The Civil Rights Movement1014 Words à |à 5 PagesAfrican-American Civil Rights Movement. Specifically, the focus will be on the main activists involved in the movement such as Martin Luther King Jr and Rosa Parks and the major campaigns of civil resistance. The Civil Rights Movement refers to the movements in the United States aimed at outlawing racial discrimination against African Americans and restoring voting rights in Southern states.African-Americans were able to gain the rights to issues such as equal access to public transportation, right to voteRead MoreThe Civil Rights Movement Essay967 Words à |à 4 Pagesconsidered to be unworthy to be associated with whites, they struggled to fight laws of segregation for years and years to finally be thought of as equals. They fought to earn their civil rights which is where the movement got its name from. There are many names that stand out when you think of the Civil Rights Movement, for example, Martin Luther King Jr. who lead a march to Washington and gave the famous ââ¬Å"I have a Dreamâ⬠speech, and there is also Rosa Parks who refused to sit in the back of the busRead MoreThe Struggle Of The Civil Rights Movement1339 Words à |à 6 PagesThe Civil Rights Movement is one of the most influential events from all of Americaââ¬â¢s history. This fight started long before the ââ¬Ë60s and has continued long after. All minority groups will face the struggle for rights at some time. This movement just happened to be for the African Americans in the 1960s. During this era, there were several leaders and events that experienced success in their endeavors to get rid of segregation and create equal opportunities for all. One of the most famous leaders
Friday, December 13, 2019
Cochlear Implant RST Free Essays
It doesnââ¬â¢t change them it just makes their smile brighter. People get haircuts to express who they are, or who they want to be, but it doesnââ¬â¢t change who the eye actually are, it just makes them kick the way they want to. The same thing goes for a cochlea r implant. We will write a custom essay sample on Cochlear Implant RST or any similar topic only for you Order Now It enhances the possibilities of hearing for a deaf person, but it will never change e who they are because they will always be deaf. Thatââ¬â¢s why deaf people should get cochlear I implants because they will not change their identity. In the movie Sound and Fury a young girlââ¬â¢s parents restrain her from getting a cochlear implant in the fear that it will change her identity in the deaf world. There is al so a young boy whose parents are judged and tormented for deciding to implant him with a c cochlear implant. Both families want their children to play a role in the deaf community, but boot h families are told that with a cochlear implant, that could never happen. The parents of the you Eng girl are introduced to another young girl who was implanted to see if it was really right t for their daughter. The young girl was so accustomed to hearing that she didnââ¬â¢t sign a ND she spoke clearly. It was clear that the little girl most likely wasnââ¬â¢t aware she was even deaf. This upset the parents ND pretty much made their decision for them; they would never implant thee r child. Ironically six years later the daughter, along with her siblings and her own mother get t he implants and say how much their lives have improved. They said it made their daughters life EAI sire and they regretted not doing it when she was younger. And of course the girls role in the e deaf community did not change, but she gained a spot in the hearing world as well, which is w hat a cochlear implant really does. Now on the other side of that family, a deaf child is born and his parent s decide to implant IM, but receive a lot of hate from the deaf community. Part of the fact of so much resentment towards the device is that around the time the film ââ¬Å"Sound and Furyâ⬠was ma De, the cochlear implants were just being introduced and it really offended the deaf community y that someone made something to fix deafness. It made them feel as if people thought Of De apneas as a disability. They wondered why anyone would want to change themselves fro m being deaf and being part of such a wonderful community. The mother of the daughter who was the mother of the deaf child even called her own daughter ââ¬Å"a lousy daughterâ⬠. In reality the mother wasnââ¬â¢t implanting his son because she wanted to rebel against her parents, it was be cause she knew that although deafness is not a disability it is also not an enhancement to your life. She knew that her boy would have many more opportunities in life if he could hear, and although h that sounds like itââ¬â¢s shaming deafness, it isnââ¬â¢t. No matter whether you implant your child or give e him a hearing aid, it will never change them, just help them reach their potential easier. In the article Letting the deaf Be Deaf: Reconsidering the use of cochlear implants in prevailingly deaf children t expresses the difference between a hearing parent deciding whether or not to get their child implanted and a deaf parent deciding whether or not to get their child implanted. The choice is easy for a hearing parent because deciding if they WA NT the baby to hear is basically just saying let it be like us. While a deaf parent is the exact opposite. Deaf parents are the ones that have to make the decision to change their babyââ¬â¢s life, by making them hearing, different than themselves. ââ¬ËT he cochlear implant is intended to help the deaf child ultimately learn an oral language and, in so doing, to facilitate the assimilation of the IM Lansing child into the mainstream hearing cultureâ⬠(Crouch). While this statement is correct , the implant doesnââ¬â¢t have to completely destroy deaf culture for the child. The child should still be taught sign language, and be introduced to people in the deaf community. If it is so import tan for the parents that their child be part of the deaf community, while still being in the hearing world, they will put in the effort. Sound and Fury; or, Much Ado about Nothing? Cochlear Implants in Historical Perspective it states ââ¬Å"Cochlear implants are only the latest example of medical interventions promising to cure deafnessâ⬠(Edwards). This statement itself is a brief summary of why the deaf community was so resentful towards the device in the first place . When hearing people say that there is a cure for deafness, it obviously upsets deaf people. T hey donââ¬â¢t view themselves as having a disease, and they really donââ¬â¢t have one, but as soon as someone from the hearing world challenges that opinion, all hell breaks loose. The deaf common tit could have just rejected the idea of the cochlear implants all together, but once people under stood it wasnââ¬â¢t a cure, just additional help, they started to accept it. When deaf people heard the e word cure, they panicked. They worried there would be no more deaf culture, and that the De oaf community would die off. Cure meant change to them, that everything in their lives would change e, which is why some people think the implants will change their identity. But that will never h append because no matter what, you will always be deaf. If you get hearing aids, once you take the me off youââ¬â¢re no longer capable of hearing. The same thing goes for the implant. The implant it self is not capable of wiping out a culture, it is the responsibility of the parents of the deaf child n to keep the culture and the community alive. How to cite Cochlear Implant RST, Papers
Thursday, December 5, 2019
Colonial America Essay Example For Students
Colonial America Essay Religious Freedom in colonial AmericaReligion was a very important part of everyday life in colonial America. Sometimes people were not allowed to question what they were taught, and if they did so they were punished accordingly. Before 1700 some colonies had more religious freedom then others. While others colonies only allowed religious freedom to a select group, others allowed religious freedom to all different kinds of religions. In the overall there was quite a bit of religious freedom in colonial AmericaFirst there is the colony or Rhode Island, which was started by a man, named Roger Williams in (1636). It did not become an official colony until (1644) when it then received a charter from Parliament. Williams welcomed every one; he guaranteed religious freedom to everyone even the Catholics and the Jews. Williams also granted religious freedom to the Quakers, even though his own views were very different from those of the Quakers. This was truly the most democratic of all of t he colonies. Williams did not demand mandatory attendance at services, or oaths regarding religious beliefs. Rhode Island was truly the first example of religious tolerance and freedom of opportunity. Second there is the colony or Pennsylvania (1681). Pennsylvania was founded by an English man named William Penn. At first, Pennsylvania guaranteed religious freedom to all residents of the colony. Later on however, London started giving William Penn severe pressure. So William Penn was forced to retract the original religious freedom laws, and then re-institute the laws with the change that all residents of Pennsylvania would have freedom of worship. These laws however were not re-instituted to the Catholics and Jews. Even though Catholics and Jews were deprived of freedom of worship. Pennsylvania was still democratic; it was founded for civil and religious freedom. People there had more freedoms in Pennsylvania then they would have if they lived in England. Rhode Island and Pennsylvania were examples of the two most democratic colonies of colonial America. Not all of the colonies were like this. For example, in (1629) non-separatists Puritans left from England and started a new colony called the Massachusetts Bay Colony. People who did not agree with their views were often banished. Anne Hutchinson was one of these people who were banished. She was banished because she argued against the Puritan belief of predestination. She had a trial and from there was forced out of the colony. Another person that was kicked out of the colony was a man named Roger Williams. Williams was exiled from the colony because he was found to have new and dangerous opinions that disagreed with already established Puritan beliefs. Also, men that were not a part of a Puritan congregation could not vote in provincial elections. Freedom in this colony was somewhat limited. Colonies of colonial America had different views when it came to religion, but they all had one thing in common. All of the colonies had to some extent, a certain amount of religious freedom. Some granted freedom of religion to all, while others granted religious freedom to a select group. But there was still a great deal of religious freedom in colonial America. Words/ Pages : 543 / 24
Thursday, November 28, 2019
A Comparative Analysis of Public free essay sample
The study would try to throw some insights into the existing services provided by the banks and the gap between the customer expectations, perceptions and the actual state of performance. The results of the study would be able to recognize the lacunae in the system and thus provide key areas where improvement is required for better performance and success ratio. 1. 2 Research Objectives: (1) To find out the level of expectation and the level of perception of the customers from the services offered by the banks. 2) To compare the level of perception and expectation of the services offered by the banks. This instrument has been widely used by researchers, but still, there are some controversies in its applicability across different service industries. In some studies the five dimensions of the instrument (determinants) have been found to be unstable across different types of services. Therefore, the tool should be applied very carefully and the set of determinants and attributes used should be adapted to the specific situation. We will write a custom essay sample on A Comparative Analysis of Public or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page â⬠¢ Chi-Square test of independence The test is applied when there are twoà categorical variablesà from a single population. It is used to determine whether there is a significant association between the two variables. For example, in an election survey, voters might be classified by gender (male or female) and voting preference (Democrat, Republican, or Independent). We could use a chi-square test for independence to determine whether gender is related to voting preference. This approach consists of four steps: (1) state the hypotheses, (2) formulate an analysis plan, (3) analyze sample data, and (4) interpret results. 1. Hypothesis: A chi- square test for independence has been conducted for knowing the relation between the age group and the preference towards the two types of banks. Preference towards public/private sector banks and age group are independent of each other. ? H1: Preference towards public/private sector banks and age group are dependent of each other. 1. 8 Limitations of the Study: ? Respondents may give biased answers for the required data. Some of the respondents did not like to respond. In our study we have included 50 customers of each bank because of time limit. The world of commercial banking is undergoing a deep transformation as a result of marketable instruments competing with loans and demand deposits. Because of this strong competition, commercial banks are struggling to make acceptable margins from their traditional business entering into investment banking. Increasing competition has forced banks to search for more income at the expense of more risk. Banks that lent heavily to Asia in search of better returns than those available in Western markets are now being blamed for bad credit decisions. The Asian crisis has renewed interest on credit risk management casting doubts on the effectiveness of current credit regulations. Technological changes have also heightened competition by making it easier to imitate bank services. The traditional advantage of physical proximity to clients given by extended networks of branches has vanished. Banks have to compete with money market mutual funds for deposit business, commercial papers, and medium-term notes for bank loans. As margins are squeezed, commercial banks in the United States and Europe have been forced to cut costs and branches while diversifying into pensions, insurance, asset management, and investment banking. In the United States, many banks call themselves financial service companies even in their reported financial statements. Diversification, however, has not always proved to be an effective strategy, and many banks have had to revert to a concentrated business. These examples illustrate how commercial banks are reinventing themselves, not just once but many times. All these changes are creating an identity crisis for old-fashioned bankers, leading to the key question, ââ¬Å"What is a bank today? â⬠The question is difficult, but evidence suggests that the concept of banking is being modified and the traditional barriers among financial service Sub industries (retail banking, private banking, investment banking, asset management, insurance, etc. ) are vanishing. Illustrating what an entity does or serves for often is a useful way to define it. The identity crisis of banksââ¬âespecially commercial banksââ¬âstems from the deep and rapid changes in their traditional body of activities (particularly retail and corporate banking). On the other hand, investment banking, private banking, and banc assurance are the most profitable and fastest growing segments of the financial service industry. As banks undertake new activities, they also incur new risks. Since boundaries among sub industries are weakening, if not vanishing, banksââ¬âlike all other financial service companiesââ¬âmust redefine themselves in terms of the products they offer and the customers they serve. The way banks pursue this redefinition is through a strategic repositioning in the financial service industry. All these factors represent a new challenge for commercial banks, provided this definition still has a unique meaning. Increased competition, diversification, new products, and new geographic markets mean that both the spectrum of risks and the risk profile for banks are dramatically changing. Defining a Bank in 2010 The scenario commercial banks face today differs greatly from that of the past. Diversification among sub industries is defining an environment where banks compete with other financial-service companies to provide mutually exclusive products and services to the same customers. Traditional branch banking is under the threat of new competitors and technological innovation, leading some analysts to wonder whether banks are dying. Most likely what is dying is the old-fashioned concept of the bank and a new scenario is emerging. Banks are changing as economic markets integrate, providing opportunities for diversification. Only 15 to 20 years ago, most Western banks generated 90% of revenue from interest income. Now this percentage has fallen to 60%, sometimes as low as 40%. New sources of income, such as fee-based income from investment services and derivatives, are becoming increasingly relevant for the income statements of commercial banks. During the same period, the pattern of banking activities has changed through interactions with the developing security markets. The well-known phenomenon of disintermediation that has taken place in all Western countries since the 1970s has progressively reduced the monopoly of banks over the collection of savings from customers. This has created much tougher competition among financial service companies and has forced banks to find new and diversified sources of income. The traditional core business of commercial banks has been retail and corporate banking. As retail and corporate banking become less and less profitable, banks are diversifying into new businesses to stop the decline of profits. Investment banking, for example, is estimated to be worth US$14 million, with an annual growth rate of about 14% up to 2010. Derivative based earnings for larger commercial banks now account for about 15 to 20% of the total earnings. The drawback is that volatility of earnings has dramatically increased. The management of these new types of riskââ¬âtypically, market risk and credit risk on traded assetsââ¬ârequires competence and expertise. Hence, the risk profile of commercial banks is changing as a consequence of diversification. Capital markets are playing a key role in defining the bank of the twenty-first century, but they are also making banks riskier. In fact, with a few exceptions, AAA ratings for banks have disappeared and consequently the importance of market risk management is being emphasized. Future competition will not be played in the classic retail banking industry that, at least in continental Europe (but not in the United Kingdom), is only slightly profitable. Global competition will take place in asset management and investment banking. Not casually, huge U. S. investment banks are merging among themselves and with asset management firms. Alliances and takeovers are occurring also on a transatlantic basis, confirming the global characters of these two sub industries (the most related to global capital markets). The following trends are affecting the banking industry and most likely will shape the competition in the next several years: â⬠¢ The market share for financial services that banks hold is declining, while securities firms, mutual funds, and finance companies are getting a growing share of available customers. In the United States, the share of total assets held by banks and other depository institutions relative to all financial intermediaries fell from 56% in 1982 to 42% in 1991, and this downward tendency is likely to continue. Banks will face growing competition from financial service companies and nonbank firms. â⬠¢ Disintermediation is making traditional banking less and less necessary, leading to consolidation. The natural shrinkage of the market share held by commercial banks started this process in the past decade, but it has dramatically accelerated in the past few years because of global competition. â⬠¢ To remain competitive, commercial banks will have to exploit new sources of income: Offering new services (selling mutual funds or insurance policies). Charging customers with noninterest fees. Offering new services through the phone and the web, Entering into joint ventures with independent companies, Entering new geographic markets yielding higher returns. â⬠¢ Banks will need more expertise to manage new sources of risk. Market risk management models must become an integral part of a bankââ¬â¢s risk management culture. RETAIL BANKING [pic] The two main forces changing the competitive environment in retail banking are technological change and aggressive new competitors: 1. Technological change is creating huge problems for traditional banks with extended and costly branch networks. The major technological issues affecting the retail banking business are the rise of telephone banking and the impressive diffusion of the Web-based banking. These innovations make branch networks less important and national boundaries irrelevant. Computer banking, either through the Internet or proprietary networks, is gaining a growing and growing importance. 2. New unrelated competitors are entering the retail banking market. In the United Kingdom, the countryââ¬â¢s two biggest retailers, Sainsburyââ¬â¢s and Tesco, have gone into partnership with the Bank of Scotland and the Royal Bank of Scotland, respectively. Sainsburyââ¬â¢s Bank offers a savings account, two credit cards, and personal loans and mortgages, with more services to follow. Tesco Personal Finance offers only a savings account and a credit card, but aims to expand its range. These trends do not indicate that traditional branch banking is going to die, but that the competitive scenario is changing. High-street banks have expensive branch networks and relatively outdated procedures, with far greater operating costs than their new, more flexible rivals.
Sunday, November 24, 2019
Free Essays on Margaret Sanger And The New Era Of Women
Imagine a world that is overpopulated with children. The number one reason why families are poor are due to the fact that they have too many children. But in todayââ¬â¢s society overpopulation is not a problem due to the wonderful birth-control movement of Margaret Sanger. In the early 1900s sexual relations were used for the sole purpose of procreation, but as society changes, sexual relations became more for recreational purposes more than procreation purposes. The 1920s brought forth a new era for the middle class women. A womanââ¬â¢s role was most indefinitely redefined. Motherhood was no longer seen as every womanââ¬â¢s maternal instinct and was claimed to be not sufficient enough for child rearing. Now mothers were expected to seek and rely on the advice of professionals such as doctors, nurses, and trained educators in nursery school and kindergartens. Up until this point, this was the only role that women knew. These changes devalued what had been a very important and consuming activity. In order to compensate the loss of this very important role, many women now turned to another role: being a wife and companion to their husband. Previously women were consumed with the role of being a mother more so than the role of being a wife. But now a womanââ¬â¢s relationship with her husband assumed a greatly enhanced importance. Therefore, a womanââ¬â¢s sexual relationship with their husband was not solely considered a means of procreation, but now it was considered important and a very pleasurable experience. This also led to romantic love because a womenââ¬â¢s sexual relationship was now more open. Obviously, the more ââ¬Å"relationsâ⬠a husband and wife would have, the more children they would have. This led to the importance and the growing interest in birth control. The pioneer of the American birth-control movement was Margaret Sanger who began her career as a promoter of the diaphragm and other birth control devices. She believed ... Free Essays on Margaret Sanger And The New Era Of Women Free Essays on Margaret Sanger And The New Era Of Women Imagine a world that is overpopulated with children. The number one reason why families are poor are due to the fact that they have too many children. But in todayââ¬â¢s society overpopulation is not a problem due to the wonderful birth-control movement of Margaret Sanger. In the early 1900s sexual relations were used for the sole purpose of procreation, but as society changes, sexual relations became more for recreational purposes more than procreation purposes. The 1920s brought forth a new era for the middle class women. A womanââ¬â¢s role was most indefinitely redefined. Motherhood was no longer seen as every womanââ¬â¢s maternal instinct and was claimed to be not sufficient enough for child rearing. Now mothers were expected to seek and rely on the advice of professionals such as doctors, nurses, and trained educators in nursery school and kindergartens. Up until this point, this was the only role that women knew. These changes devalued what had been a very important and consuming activity. In order to compensate the loss of this very important role, many women now turned to another role: being a wife and companion to their husband. Previously women were consumed with the role of being a mother more so than the role of being a wife. But now a womanââ¬â¢s relationship with her husband assumed a greatly enhanced importance. Therefore, a womanââ¬â¢s sexual relationship with their husband was not solely considered a means of procreation, but now it was considered important and a very pleasurable experience. This also led to romantic love because a womenââ¬â¢s sexual relationship was now more open. Obviously, the more ââ¬Å"relationsâ⬠a husband and wife would have, the more children they would have. This led to the importance and the growing interest in birth control. The pioneer of the American birth-control movement was Margaret Sanger who began her career as a promoter of the diaphragm and other birth control devices. She believed ...
Thursday, November 21, 2019
Why have the western and melodrama featured so prominently in genre Essay
Why have the western and melodrama featured so prominently in genre criticism - Essay Example 2). The sentiment was rather exaggerated yet films shown in different forms of media such as television, theaters and video cassete are absolutely the channel of the general publicââ¬â¢s entertainment and are the embodiment of a democratic cultural framework. However, the primary significance of the film industry in the creation of pleasure for the general public does not necessarily imply that it can be a dimension of the cultural and historical indication. But the reality that films get in touch with the mass audience means that they represent some of the unconsious and conscious experiences of the general public, or probably a considerable portion of it (MacBean 1975, p. 48). Nevertheless, in the case of the American film industry, it is painstaking for many art scholar and historian to discern the relationship between Hollywood films and popular consciousness from the time 1940s until the contemporary period. The popular mind itself is multifaceted. It is inticately divided into different categories such as age, gender, ethnicity and social class and is habitually inconsistent and unstable in response. During the late sixties and early seventies, in the span of four or five years, the general movie audience shifted away from compassion towards social deviance of Bonnie and Clyde (1967) to the justice and regulate vigilantism of Dirty Harry (1971), and it is uncertain if that constant alteration of movie preference is in commune with some deep-seated transformation of popular feeling. However, it is probable that these divergent outlooks toward wickedness and crime coexisted in the American society, and the films further influence the already heteregenous American public. Likewise, it is difficult to determine the factors that contribute to the popular success of a particular film (Neale 1981, p. 11). For instance, did the movie Rambo garner its popularity because of its political underto ne such as
Subscribe to:
Posts (Atom)