BHS 400 STRESS MANAGEMENT (Module 5 SLP) Essay Example | Topics and Well Written Essays - 2500 words

The Renaissance Courtier essays

The Renaissance Courtier papers The Renaissance Courtier was the perfect man. He was entirely learned in all that he did. He was strong and athletic and educated everything being equal, yet he had a thankfulness for expressions of the human experience. He knew about all activities and types of hand to hand fighting. He realized how to utilize a wide range of weapons while standing or riding a horse, and recognized what sort of weapon to battle with in various circumstances. He was very much educated and realized how to understand Greek and Latin and read specialized language. He was musically disposed and played an assortment of instruments for his own delight. At moves, he was an admirable artist. The Courtier additionally preferred and was totally faithful to the sovereign. The Renaissance Courtier had a calm certainty about him. He didn't stroll around the town and brag pretty much the entirety of his achievements, yet everybody despite everything realized what he could do. He was truly learned yet content about it. He made everything look easily, however furtively he rehearsed with an energy to be cultivated at every aptitude. Essentially, there was nothing this person couldn't do. The Renaissance Courtier was an old buddy to all and he coexisted with everybody. He defended others and never put individuals down. He wouldn't discuss individuals behind their backs. He carried out decent things and didn't request anything consequently. He additionally didn't negate others. He realized when to communicate and when to hush up. He was additionally genuine, yet he realized how to take a joke. Along these lines, he was regarded by aristocrats and compatriots. During the hour of the Renaissance Courtier, the regular workers did all the difficult work. Fundamentally, the nobles focused on idealizing their psyches and bodies. Life in the manor was one of cerebral difficulties, of persistent training, and a consistent quest for entertainment. As a result of the Renaissance, individuals made opportunity to welcome expressions of the human experience. Dissimilar to the kinsmen who drudged from first light to sunset, the Courtier filled his day with classes, discussi... <!

Bless Me Ultima :: essays research papers

â€Å"Bless Me Ultima† &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the book â€Å"Bless Me Ultima†, by Rudolpho Anaya, there were two families spoke to, the Marez family and the Lunas family. These two families were totally different, yet were united by the marriage of Gabriel Marez and Maria Lunas. Through the eyes of their child Antonio one may see the correlation of the two. The separation of these two families is obviously perceptible, for example, as a part of their characters, the declaration of their religion, and their ordinary lifestyles. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;One can undoubtedly observe the distinction as a part of their character even down to the most essential things. The Marez’s are exceptionally free energetic, they don't care to need to stress over things. They can be seen for the most part riding their ponies around the llano. A case of this is appeared in the book where Gabriel Marez talks about his transition to Guadeloupe at the introduction of his child, Antonio. In this he says, &quot;The move brought down my dad in regard of his compadres, different vaqueros who clung constantly to their lifestyle and freedom.&quot; On the other hand the Lunas are progressively practical. They are ranchers, so they remain in one spot to develop their harvests, and are very land situated. They focus more on work and less on the unrestrained choice that can be found in the Marez family. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As far as religion goes the Lunas are unquestionably more strict than the Marez family. Religion has a significant impact in the life of the Lunas. They accept exceptionally in God and everything else that is engaged with the Roman Catholic religion. Maria Lunas is demonstrated to implore the Virgin Mary on a wide range of events in the book. The Lunas family has been urging Antonio to turn into a cleric for an incredible duration, to the point that he accepts he is committed as well. This is obviously appeared in the book where Antonio states, â€Å"My mother was a dedicated Catholic, thus she saw the salvation of the spirit established in the Holy Mother Church, and she said the world would be spared if the individuals went to the earth.† On the other hand the Marez family isn't extremely strict by any stretch of the imagination. They don’t accept that God has a significant influence in their lives. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;One can even oversee the distinctions there regular daily existences. The Marez family are exceptionally fretful individuals.

Delivering Care for Patients Essay -- Health Care, Nursing

This paper is a distinct record of my experience thinking about a patient with an assortment of necessities. The patient I will distinguish has the accompanying interminable ailment of schizophrenia, dementia, physical inability, poor cleanliness. In this way, if it's not too much trouble note that the patient conditions will be assessed all through. As a result of classification, I will submit to the Code of Professional Conduct (2008). As an enrolled nurture, you should regard individuals' entitlement to privacy. I will allude my patient as Patient A. I have been doled out to work with a patient who has been admitted to an intense mystic ward. On oversight I was allot to work with tolerant An, after from her conditions it is seen that understanding A will not draw in with others. She is a multi year old lady who experiences propelled dementia having momentary memory misfortune which she can't review late occasions leaving her in a confounded and forceful state. Because of her psychological state, she has issues going to her own cleanliness and making it hard to shower, wash, dressing or eating freely. With help she is given a Zimmer casing to energize her strolling. The explanation is on the grounds that she has sore on the two legs making it hard to pick up balance all alone. With a long history of schizopherina, she won't conform to drug when given day by day of fluxoetine 10mg to help with her disposition issue. By and large, persistent an is saved and doesn't include herself with different individuals on the ward or exercises with CPN and favors remaining in her room since its her usual range of familiarity of security. Standard gatherings are held with quiet An and her wellbeing experts to survey her needs all together for movement. When conveying care for patients, the primary factor w... ...term dysfunctional behavior are probably going to experienced troubles in building up and keep up close to home relationship, regularly bring about poor systems of help and social incorporation. Accordingly with oversight, I felt that Patient A required solace as a result of her upsetting occasions because of her disease. All experts visited her consistently to guarantee that she comprehended her condition and manners by which to improve her status. felt that I was unable to do much as it was hard to connect with quiet A due to her animosity towards me, yet I was certain that all experts were assessed her needs in the ward. As indicated by NMC set of principles (2008), the medical attendant must help individuals in thinking about themselves to improve and keep up their wellbeing. The aftereffect of this will influence understanding An as well as the staff group and I to convey care to her.

Parallels between Entrepreneurship and Sports

Parallels between Entrepreneurship and Sports Sports have become a big business. From merchandise to ticket sales, endorsements to cable channels, the business of sports is an industry that generates millions of dollars in revenue every year. No longer simply a game, sports have turned into full-scale productions with commercial endorsements, announcers and news coverage. Even novice athletes have succumbed to the pressure of trying to make the cut as a professional athlete.Oftentimes, business is referred to as a game, where the winner is the entrepreneur who finds success. In this case, the playing field is the office and the players within the game are the different companies that compete for customers in the industry. Make no mistake â€" the competition within the ranks of business is just as fierce as on a field, and the antics of business entrepreneurs can be strikingly similar to famous athletes.There are similarities between the world of entrepreneurs and the world of athletes â€" parallels that can give direction to bus iness executives who are trying to succeed on the playing field of economics. © Shutterstock.com | SingkhamThis article will explore the 1) similarities between entrepreneurs and sports, 2) ways to maximize strengths, 3) training opportunities, 4) strategic planning methods for the big game, as well as 5) ways to evaluate success. In addition, it will take a look at 6) sports athletes who became entrepreneurs after leaving the sports arena.SIMILARITIES BETWEEN ENTREPRENEURS AND SPORTSBefore understanding the parallels between sports and business, it is necessary to understand how entrepreneurs and athletes are similar. Let’s begin by examining the characteristics of an entrepreneur. There are seven key characteristics that successful entrepreneurs possess and are worth exploring.Passion. Most entrepreneurs are driven by a passion for their business. It is the force that keeps them burning the midnight oil, working weekends and holidays. A sincere belief that the work they are doing is important can keep the entrepreneur working through rough times.Tenacity. When things are going well, it is easy to go to work. The successful entrepreneur, however, continues to work even when things get difficult. When faced with failure, the entrepreneur refuses to give up and will find ways to be successful, despite roadblocks that may occur.Vision. Seeing a path to success is a trait that entrepreneurs possess. In spite of naysayers, the entrepreneur can set a path towards the vision that they have for their business.Self-confidence. An entrepreneur has the confidence that they will be able to succeed, and is more willing to take risks because of that self-confidence. They know that they are in a unique position to succeed, due to their confidence in their abilities.Flexibility. The role of an entrepreneur demands flexibility. Being able to make changes, take on additional job responsibilities or move the business in a different direction is a key characteristic of a successful entrepreneur.Rule-breaking. A willingness to break the rules is another important aspect of a successful entrepreneur. By defying conventional wisdom, the entrepreneur is able to create new technologies, processes and products that revolutionize the business world.Tolerance for fear. It can be frightening to assume the risk of starting a business, venture into an unknown field or ask for funding for a product that doesn’t yet exist. The entrepreneur must be able to move beyond the fear by harnessing it and using it as fuel.Interestingly, those same seven characteristics can be identified in athletes, although they are applied in different ways.Passion. Athletes who succeed in their sport exhibit a passion for their sport. Generally characterized by the person who ‘eats, sleeps and dreams’ about their sport, they are passionate about playing the game they love.Tenacity. The athlete who wishes to move beyond the ‘weekend warrior’ status must possess a level of tenacity. Tenacity drives the athlete to continue to train even in the off-season, and to return to the game even after an injury.Vision. A successful athlete has a clear vision of themselves as a winner. They can envision the end result of the game â€" and they have the victory. Regardless of the odds stacked against them, they are single-minded in their vision.Self-confidence. To engage in a game where thousands of others have played, and determine that one will be the best player requires a level of self-confidence many athletes do not possess. The ones who use their self-confidence as a tool will enjoy a higher level of success.Flexibility. Playing a game professionally requires flexibility: weather conditions, playing arenas, field position, teammates, coaching staffs are all variables that can change without warning. Being able to remain flexible is imperative for the successful athlete.Rule-breaking. While the rules of the game can’t be broken, the athlete must be willing to break the rules of society that try to discourage someone from reaching greatness. T he athlete must be one who refuses to follow the set path towards mediocrity.Tolerance for fear. It can be overwhelming to train for years for the opportunity to perform at the highest level of athleticism. Competing in large scale arenas, against legendary athletes, may allow fear to cripple an athlete. The successful athlete, however, moves beyond the fear and still performs.Understanding the similarities between entrepreneurs and athletes can be helpful when drawing parallels between the sports arena and the business office. Possessing some of the same characteristics, the entrepreneur and the athlete may wear different clothes to work, but go about their jobs in the same way.How Sports Prepare You to Be an Entrepreneur WAYS TO MAXIMIZE STRENGTHSThe similarities between the entrepreneur and the athlete are striking. To be successful in either arena â€" the business office or the playing field â€" the participant must learn to maximize their strengths and negate their weaknesses.F or an athlete, knowing the particular strengths one possesses is vital to success in the game. A soccer player who can master the left-foot shot is a key player when the score is tied and there is a play in the goal box. The runner who can maintain a reserve of energy until the last lap of a four lap race will have an advantage over the other runners who are gasping for every bit of air.For the entrepreneur, understanding the strengths one possesses is equally as important. The businessperson who excels at bringing in new clients will not thrive if they are trapped in the office every day. A salesperson who can confidently ask for million dollar contracts will thrive when given the opportunity to make the presentations.In order to maximize strengths, both the athlete and the entrepreneur must identify the strengths that they possess, and then move into a position to use them. The entrepreneur who can target new business should leave the daily office work to others, while focusing on acquiring new work. The athlete who maintains a reserve of energy must be able to identify when to call on that reserve to move to the front of the pack. Regardless of the strength, it is useless unless it can be put to work. Identify the strength, and then harness it.Through discovery of strengths, weaknesses can often be identified. Establishing ways to minimize the weakness within a company will help in gaining an advantage over competitors. Often, finding a way to solve a weakness can become the means to new revenue, thus turning the weakness into strength. Look for ways to maximize strength, while minimizing weakness.TRAINING OPPORTUNITIESA remarkable thing happens at the beginning of every sports season: the athletes report for training. Players at the top of their game are side by side with the new players, conditioning and training. The successful athlete knows that if they are to continue to compete, they have to stay in shape; the only way that can happen is through train ing.Entrepreneurs must approach growth and development the same way. It must be a continuous part of the business cycle. Find opportunities for development within the industry through trade shows, conferences and conventions. These can be ‘boot-camp’ type sessions that add value and knowledge, helping the entrepreneur remain at the front of their industry. Join networking groups that meet regularly. By meeting other entrepreneurs, even ones who are not in the same industry, there is a sharing of information and ideas that keep skills sharp and toned.Another way that entrepreneurs can remain ‘in shape’ is by subscribing to (and reading) trade magazines and journals that deal with business applications. Management books, business practice methods and other books that can give guidance and ideas are all valuable tools in keeping an entrepreneur at the top of their game. No time to read? Consider using podcasts, audio books and electronic books and blogs to supplement reading ti me.Maintain certifications, acquire additional education credits in the industry or take courses to broaden the scope of the business. By continuing to grow and develop, the entrepreneur can maintain a competitive edge, while improving their business.STRATEGIC PLANNINGA successful athlete knows that it is impossible to become successful alone. That is why an athlete may have a coach, a trainer, a nutritionist, a physical therapist and more who are all working together to help propel the athlete to success. There are several aspects that must be taken into account when preparing for sports and few athletes can consider all of them adequately. The athlete’s coach, then, is often one of the most important people in the athlete’s arsenal; bringing together the different aspects of the athlete’s training for strategic planning. It is often the coach who establishes a training schedule, outlines nutritional plans and prioritizes the physical conditioning. The athlete who wishes to b e successful will follow the coach’s plan.For the entrepreneur, the business ‘coach’ may be called a consultant or mentor. Establishing a relationship with a mentor who can provide guidance and advice is a key to a successful business. Another important aspect of being successful in business is the development of a strategic plan. A well formulated plan can give direction and guidelines for growing a business, and can help maintain an advantage within the industry.Putting together a team of people to act as coaches and mentors for a business can be tricky. To help engage the people who are in a position to offer assistance, it may be worthwhile to find an accelerator. The start-up community is rich with mentors and businesses that have navigated the waters of starting a company and can be vital to helping entrepreneurs succeed.In sports, as well as business, establishing a plan for success is vital. Identifying the people who can help propel others to success must be included in the plan.WAYS TO EVALUATE SUCCESSIn athletics, it can be easy to identify success: it’s the team (or athlete) who wins. An athlete, however, typically wants to be a consistent winner and is not content with a one and done success rate. That’s the reason so many athletes continue to return to a sport year after year â€" determined not to be considered a ‘lucky’ winner. For these athletes, success can be measured in the long-term. While it is impossible to win every game or match, an overall winning standing can be an indicator that the athlete is successful in their sport. Athletes who repeatedly deliver a win are regarded as the elite in their sport. These athletes set records, hold titles and collect trophies and medals that indicate their mastery of the sport.In the business world, trophies are generally not handed out as an indicator of success. Similar to their counterparts in the athletic world, however, most entrepreneurs are not content to be a one shot wonder and seek success for the duration. The way that success is measured, however, can be different for every entrepreneur.Monetary success is certainly a clear indicator of ‘winning’ the business game. Achieving financial successes can be exhilarating as a company realizes it’s potential and reaches sales goals and targets. Companies can exhibit the reward of winning this match through IPOs, sales quotas and revenue figures.Another indicator of success to the entrepreneur may be the ability to live a particular lifestyle. Having flexibility to establish one’s own office hours, determine where to live and what possessions to spend money on are often a way that entrepreneurs demonstrate success.For others, the ability to act in humanitarian efforts may be the largest indicator of success â€" being able to help others is their ultimate in entrepreneurship winning.No matter what winning looks like, it is important to have a clear picture of success. Identifying the end goal of the game will help the entrepreneur know when they have reached it. A periodic evaluation of the success of the company can provide direction and inspiration to the entrepreneur as the company gets closer to its goal.SEA Conference Presentation: The Connection between Entrepreneurship Competitive Games Sports SPORTS ATHLETES WHO BECAME ENTREPRENEURS George Foreman © Wikimedia commons | Paul DickoverFinding athletes who have traded the playing field for the business office can be instrumental in understanding the parallels between entrepreneurship and sports.George Foreman: Legendary boxing champion, George Foreman started a line of kitchen appliances designed for healthier grilling. After hanging up his boxing gloves, his company earned more than he ever made in the ring. He added to his collection a line of cleaning products and clothing. Dave Bing © Wikimedia commonsDave Bing: One of the NBA’s 50 greatest players, this basketball legend was a seven time all-star. When he stopped making three-pointers, he started a steel mill in Detroit and propelled it to become one of the top 10 African American owned companies in the United States, with sales of over $200 million.   Roger Staubach © Wikimedia commonsRoger Staubach: Five time all-NFC choice, this star quarterback led the NFL in passing yards during his career. When he retired from the grid-iron, he formed a real estate company that had 50 offices in three countries and was eventually purchased for over $600 million.Tony Hawk: Skateboard superstar, Tony Hawk has mastered (and invented) skateboard tricks that are mind-boggling. While continuing to perfect his sport, he began a company to provide skateboarders with top of the line equipment, established a clothing line and partnered with a video production company to create video games about skateboarding.Wayne Gretzky: Legendary hockey player, Gretzky holds 61 NHL records. When he gave up his rink time, he started his own restaurant and winery.What Entrepreneurs Can Learn from LeBron James on Startup Failures Successes Seeing the parallels between entrepreneurship and sports can help give entrepreneurs motivation as they enter the business arena. Image credit:  Wikimedia commons | Paul Dickover under Attribution 2.0 Generic, Dave Bing © Wikimedia commons and Roger Staubach © Wikimedia commons under public domain.

Learner Centered Classroom Essay - 275 Words

Learner Centered Classroom (Essay Sample) Content: LEARNER CENTERED CLASSROOMName:Institution:Date:LEARNER CENTERED CLASSROOMLearner centered classroom are not effective for students because it does not provide a relaxing environment for students. Learner centered is a practice and concept where students and professors learn from each. It allows students to interact with their teachers. However, when learning from classrooms, the students have limited opportune for insights. The environment is not conducive for discussion groups and sometimes does not represent reality of study topic making it hard for students to learn. Students do not learn well in the Learner Centered Classroom.An area away from the classroom, such as an open field prsovides is a good environment for openness and better reasoning of the student. The serene environment away from buildings is enjoyable for students and lecturers to think clearly. It encourages the student to dialogue, reflect, engage, and master the content of study. As a result, the students are more successful studying outside classrooms than in the classroom.Most students prefer sitting in discussion groups to have a wider scope of the topic of study. Some discussion groups might be so big to fit well in the classrooms. Outside classroom environment becomes a better option with an additional advantage to allow st...

MCKINLEY Surname Meaning and Origin

McKinley is a Scots Gaelic patronymic surname meaning son of Finlay. The given name Finlay derived from the Gaelic personal name Fionnla or Fionnlaoch, meaning white warrior or fair hero, from the elements fionn, meaning white, fair and laoch, meaning warrior, hero. Surname Origin: Scottish, Irish Alternate Surname Spellings: MACKINLEY, MACKINLAY, MACGINLEY, MCGINLEY, MACKINDLAY, MKINLAY Where in the World is the MCKINLEY Surname Found? The McKinley surname is common today in Canada, according to  WorldNames PublicProfiler, followed by the United States, New Zealand, Ireland and Australia. Within Ireland, McKinley is by far most common to Donegal, followed by northern Ireland, especially the counties of Antrim, Armagh, Down and Tyrone. The MacKinlay spelling is most common in Scotland, especially the western council area of Argyll and Bute. Surname distribution data from Forebears  also indicates that the McKinley surname is common in Northern Ireland, where it ranks as the 360th most common surname in the country. That is in contrast to the United States, home to the largest number of people named McKinley, where the last name ranks 1,410th. This is true based on 1881–1901 census data as well. Data from the 1881–1901 censuses of Great Britain and Ireland, indicate that McKinley was most common in the Northern Ireland counties of Antrim, Donegal, Down and Armagh, as well as in Lanarkshire, Scotland, and Lancashire, England.   Famous People with the Last Name MCKINLEY - 25th president of the United StatesRobin McKinley - American author of fantasy and childrens booksWilliam Thomas McKinley - American composerLeila MacKinlay - British author of romance novels Genealogy Resources for the Surname MCKINLEY Clann MacKinlay SeannachaidhThis website focuses on the history and genealogy of  the sept of Mackinlay in relation to its most likely parent Clans: Farquharson, Buchanan, Macfarlane and Stewart of Appin.   The MacKinlay DNA ProjectLearn more about the history and origins of the McKinley and MacKinlay surnames and variations by joining this MacKinlay Y-DNA surname project. Group members are working to combine DNA testing with traditional genealogy research to learn more about shared McKinley ancestors. Presidential Surname Meanings and OriginsDo the surnames of U.S. presidents really have more prestige than your average Smith and Jones? While the proliferance of babies named Tyler, Madison, and Monroe may seem to point in that direction, presidential surnames are really just a cross-section of the American melting pot.   McKinley Family Crest - Its Not What You ThinkContrary to what you may hear, there is no such thing as a McKinley family crest or coat of arms for the McKinley surname.  Coats of arms are granted to individuals, not families, and may rightfully be used only by the uninterrupted male line descendants of the person to whom the coat of arms was originally granted. FamilySearch - MCKINLEY GenealogyExplore over 1 million historical records and lineage-linked family trees posted for the McKinley surname and its variations on the free FamilySearch website, hosted by the Church of Jesus Christ of Latter-day Saints. McKinley Family Genealogy ForumSearch this popular genealogy forum for the McKinley surname to find others who might be researching your ancestors, or post your own McKinley query. MCKINLEY Surname Family Mailing ListsRootsWeb hosts a free mailing list for researchers of the Tyler surname. Post a query about your own Tyler ancestors, or search or browse the mailing list archives. DistantCousin.com - MCKINLEY Genealogy Family HistoryExplore free databases and genealogy links for the last name McKinley. The McKinley Genealogy and Family Tree PageBrowse genealogy records and links to genealogical and historical records for individuals with the popular last name McKinley from the website of Genealogy Today.----------------------- References: Surname Meanings Origins Cottle, Basil.  Penguin Dictionary of Surnames. Baltimore, MD: Penguin Books, 1967. Dorward, David.  Scottish Surnames. Collins Celtic (Pocket edition), 1998. Fucilla, Joseph.  Our Italian Surnames. Genealogical Publishing Company, 2003. Hanks, Patrick and Flavia Hodges.  A Dictionary of Surnames. Oxford University Press, 1989. Hanks, Patrick.  Dictionary of American Family Names. Oxford University Press, 2003. Reaney, P.H.  A Dictionary of English Surnames. Oxford University Press, 1997. Smith, Elsdon C.  American Surnames. Genealogical Publishing Company, 1997. Back toGlossary of Surname Meanings Origins

Teen Pregnancy, Do We Really Know The Facts - 1169 Words

Teen pregnancy, do we really know the facts? Do we even know the common early signs of early pregnancy? Teenagers tend to close themselves off when they find out they are pregnant. Teenagers can not predict what life will be like with a new baby. They will go through several different emotions, exhaustion, and peer pressure-related stress. Teenage mothers are more likely to have lower school achievement and often drop out of school and develop health problems and also face unemployment as young adult. By not finishing high school this will offer more difficulties in early parenthood. What are the signs of pregnancy? The first sign is a missed period. However, if the period is light the signs can be missed. Some more significant signs are breast tenderness, nausea, often in the morning, vomiting, feeling light headed, fainting, weight gain, feeling tired and swelling abdomen. There are over the counter methods of checking for pregnancy. Home pregnancy tests are designed to detect pregnancy hormones in the urine. This can give an accurate result if the missed period is a week old or better. Once the test proved positive than make a doctor appointment to receive prenatal care for the unborn child. Healthy babies becomes health adults. (Martin) Exercising and eating well and confiding in supportive friends and family members will help ease the pregnancy. Cigarette smoking, drugs and alcohol can have very damaging effects on a mother and her unborn child. TeenShow MoreRelatedTeen Pregnancy And Teenage Pregnancy Essay1682 Words   |  7 Pagesdiscourage teena ge pregnancy, most of us will readily agree that it prevents teen pregnancy, Where this agreement usually ends, however, is on the question of has teen pregnancy decrease over the years while airing pregnancy shows. Whereas some are convinced that teen pregnancy has declined nationale because of the program, others maintain that teen pregnancy has increased since the reality show started to air. I disagree with others views that it does promote teen pregnancy because, as recentRead More Teens, Sex, and Virginity - Teenagers and the Importance of Abstinence1213 Words   |  5 PagesTeenagers and the Importance of Abstinence    Teenagers need to be taught to practice abstinence. By learning this important lesson, youths will be less likely to contract sexually transmitted diseases, and they will be safe from unwanted pregnancies that could lead to abortions. Three million people under the age of 20 in the United States become infected with a sexually transmitted disease each year. With 66 percent of high school students having had intercourse by graduation, these numbersRead MoreTeen Pregnancy Essay1314 Words   |  6 Pages(Hamilton, B.E.). That’s nearly 750,000 teen pregnancies every year. According to, â€Å"11 facts about teen pregnancy† less than 2% of teen moms earn a college degree by age 30 (Par. 2 5). There are many reasons for this and the best way to help limit teen pregnancy would be to require parents to attend teen pregnancy prevention meetings held by schools. One of the many problems is that most teens are not well informed about the troubles of being a teen parent. They don’t understand how it willRead MoreAnalysis Of Richard V. Reeves s Article Shame Is Not A Four Letter Word ``914 Words   |  4 PagesIn Richard V. Reeves s article â€Å"Shame is Not a Four-Letter Word†, published in The New York Times on March 15, 2013, he argues that shaming is a viable tactic to battle teen pregnancy. I strongly disagree with most of the author s points, including his idea that shame is useful against teens, his claim that access to contraception and competent sex ed isn t enough and his opinion that the negative effects of shame are not devastating enough to outweigh the positive. Reeves claims â€Å"[Shame] actsRead MoreThe Prevention of Teen Pregnancy1638 Words   |  7 PagesPrevention of Teen Pregnancy Specific Purpose: To persuade others to help prevent teen pregnancy. Thesis Statement: Teen pregnancy is one of the most difficult experiences a young woman passes through. The stress of pregnancy, revealing of the pregnancy to parents, and moving on despite the shame and worry can be terrifying. Some may say they did not use protection because they werent planning to have sex. These kinds of life altering choices must be considered in advance in order to prevent teen pregnancyRead MoreShould Tennagers Be Allowed to Get Birth Control Without Parent Consent?1727 Words   |  7 Pagesaffected the United States in the past decades, birth control has been one of the more important topics. Some popular birth control methods are the female and male condoms, and the birth control pill. Even though both of these help protect against pregnancy and the female and the male condoms help protect against HIV and sexually transmitted diseases (STD). This raises the question, should teenagers be allowed to receive birth control methods without their parentsâ€⠄¢ permission. The answer is teenageRead MoreTeen Pregnancy1732 Words   |  7 PagesSuddenly teen pregnancy IS cool? 1. Teen pregnancy is up partly because there is less of a stigma associated with teen pregnancy since there is more of a cultural permission to be a younger mother. The rise is also partly due to the portrayal of celebrity teens such as Jamie Lynn Spears in the media and other cultural shifts, giving teens the idea that having a baby is the new handbag. 2. The reason the authors use allusion in the first paragraph is to show the readers that teen pregnancy isRead More Sex Education Essay1112 Words   |  5 Pages2002). The United States has the highest teen pregnancy, birth, and abortion rates in the Western world (Planned Parenthood, 2003). Are teens getting enough knowledge on sex and how to prevent STDs and unwanted pregnancies? Another heartbreaking statistic is that teenagers have the highest rate of STDs of any age group, with one in four young people contracting an STD by the age of 21 (Sex-Ed Work, 2003). Is sex education really working in school? Or do we need to change the type of curricula thatRead More Contraceptives and Misconceptions Essay1219 Words   |  5 Pagesof our problem-solving methods. In many situations, we may let our emotions interfere with our interpretations of the facts. When a question of morals is involved, we often focus on what we want and not on what weve got. One of the most complicated and emotional issues today is the subject of making contraceptives available to teenagers. Can it be that adult misconceptions are causing teenage conceptions?    The statistics on teen sex are staggering. According to Mrs. Seth, spokespersonRead MoreEssay on Analysis of Article on Teen Pregnancy1691 Words   |  7 PagesSuddenly teen pregnancy IS cool? 1. Teen pregnancy is up partly because there is less of a stigma associated with teen pregnancy since there is more of a cultural permission to be a younger mother. The rise is also partly due to the portrayal of celebrity teens such as Jamie Lynn Spears in the media and other cultural shifts, giving teens the idea that having a baby is the new handbag. 2. The reason the authors use allusion in the first paragraph is to show the readers that teen pregnancy is

Analysis Of The Book Night By Elie Wiesel - 1045 Words

In the memoir Night by Elie Wiesel, Elie Wiesel is a young boy who struggles to survive after being forced to live in the brutal concentration camp of Auschwitz. In Auschwitz, death and suffering is rampant, but due to compassionate words and actions from others, Elie is able to withstand these severe living conditions and overcome the risk of death in the unforgiving Auschwitz. As shown through the actions and words of characters in Night, compassion, the sympathetic pity for the suffering or misfortune of others is critical to the human experience because it enables humans to empathize with each other, empathizing which allows us to feel the need to assist others which can often be vital for survival. Firstly, the words of characters are essential in displaying this theme through the quotes of two characters, a young French woman, and also Elie himself. The first compassionate quote occurs after Elie is maliciously assaulted by Idek, a Kapo who has episodic outbursts of fury. After the onslaught subsides, the French woman acknowledges a distraught Elie, and attempts to console Elie by saying, â€Å"Bite your lips, little brother... Don t cry† (Wiesel, 53). In this statement, the French woman utilizes empathy for Elie to overcome her fear of speaking to Elie, visibly shown through the quote â€Å"I knew she wanted to talk to me but that she was paralyzed with fear† (Wiesel, 53), through compassion, consequently enabling her to feel an urge to ease Elie s suffering and calms ElieShow MoreRelatedAnalysis Of The Book Night By Elie Wiesel945 Words   |  4 PagesElie Wiesel was born in 1928. In his book, Night, which was published in 1955, Wiesel depicts his personal journey through the German concentration camps by the use of his character Eliezer (Sparknotes). At the age of 15, he lives with his family in Sighet, Transylvania (Biography). His father Shlomo is very involved with the community there. Eliezer is deeply engaged in religious studies, being taught by Moshe, an older man in his community who is considered a lunatic by many (Sparknotes). InRead MoreAnalysis Of The Book Night By Elie Wiesel1778 Words   |  8 Pagesthemselves this question, whether they have fully grasped their personality or not, and during that difficult time, even the things you thought you knew about yourself are challenged. In the memoir, Night, the author Elie Wiesel, presents the story of his own time in Auschwitz during the German Holocaust. Elie, being Jewish, was deported into concentration camps in Hitler’s final solution. He underwent such things as witnessing death for the first time, extreme exhaustion, inhumane treatment, and seeingRead MoreAnalysis Of The Book Night By Elie Wiesel794 Words   |  4 Pages  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Night In the book Night by Elie Wiesel there are many instances where his use of imagery helps establish tone and purpose. For example Elie Wiesel used fire (sight) to represent just that. The fire helps prove that the tone is serious and mature. In no way did Wiesel try to lighten up the story about the concentration camps or the Nazis. His use of fire also helps show his purpose. â€Å"Never shall I forget that night, the first night in camp, that turned my life into one long night seven timesRead MoreAnalysis Of The Book Night By Elie Wiesel1017 Words   |  5 PagesIn the book Night by Elie Wiesel it says â€Å"human suffering anywhere concerns men and women everywhere.† This shows that the world’s problems are everyone’s problems. Everyone has their own responsibilities and when war occurs people tend to take on more responsibility than ever before. The United States is a prime example of making the world’s problems their own. When problems arise people step up and take responsibility. Like in the quote from Elie Wiesel, human suffering really is everyone’s problemRead MoreAnalysis Of The Book Night By Elie Wiesel1367 Words   |  6 PagesNight is the detailed account of Elie Wiesel’s experiences as a Jew in Germany during the Holocaust. Night is considered a memoir, however, Wiesel uses fictional characters to tell his story. Eliezer acts as Wiesel’s author surrogate, a fictional character based on the author, and narrates the story. Over the course of the text Wiesel exposes the full face of the dehumanization perpetrated against the Jewish people. Through persuasive oration, Hitler was able to manipulate the Germans and justifyRead MoreNight By Elie Wiesel : Book Analysis708 Words   |  3 Pagesto continue. Majority of people stopped eating, gave up their religious faiths and hope, welcoming the darkness to embrace them. Surviving was a constant struggle for these people and th e only way to overcome it was the acceptance of death. Night, by Elie Wiesel, is a memoir of the authors firsthand experience in the holocaust from his perspective as a teenage boy. The author includes concerns that individuals have, but never spoken aloud of, such as a home, family relations, and the effect this experienceRead MoreAnalysis Of The Book Night By Elie Wiesel907 Words   |  4 Pages In the book Night written by Elie Wiesel was mainly about how a young boy had to suffer the traumatic experience of existence and fatality at Nazis concentration camps. In the book, Elie Wiesel was the character â€Å"Eliezer Wiesel†. Eliezer was a young boy at the age of fourteen who lived in Sighet, Transylvania. During the lead of World War II, Eliezer was an extremely earnest young boy who desired to examine and practice Jewish theology. He also occasionally spent a great deal of time and passionRead MoreAnalysis Of The Book Night By Elie Wiesel1216 Words   |  5 Pageswhen I first saw the book. The images that they title brought to my mind is someplace where there is no light, no happiness.When you think of night you clearly think of physical darkness but I think night symbolizes a place without God’s presence, somewhere where there s no hope. The emotions that this title brought to my mind is sadness. Sadness because once you are in the dark there is nothing y ou can do but wait. Wait on your destiny. The impression that the picture on the book gave me was very vagueRead MoreNight Trilogy By Elie Wiesel1075 Words   |  5 PagesEnglish 2 Period 14 10 June 2015 Night Trilogy Criticism Elie Wiesel’s Night Trilogy is comprised of an autobiography about Wiesel’s experience during the Holocaust and the horrific struggle he faced while in concentration camps, and two other stories depicting the rise of Israel and an accident. The acclaimed Holocaust writer is most well-known for Night due to its effect across the globe. Dawn and Day are not autobiographies, yet they have lingering presences of Wiesel in the main characters and narratorsRead More Dawn by Elie Wiesel Essay716 Words   |  3 PagesDawn by Elie Wiesel In this report you will see the comparisons between the novel Dawn and the life of Elie Wiesel, its author. The comparisons are very visible once you learn about Elie Wiesel’s life. Elie Wiesel was born on September28,1928 in the town of Hungary. Wiesel went through a lot of hard times as a youngster. In 1944, Wiesel was deported by the nazis and taken to the concentration camps. His family was sent to the town of Auschwitz. The father, mother, and sister of Wiesel died in

The Importance of Group Work in Education Essay - 2446 Words

The Importance of Group Work in Education When I was in high school, and one of my teachers would ask us to form groups in order to do something, I would usually roll my eyes. Ironically enough, some of the best work that I put forth and learned from was done in a group work setting. By working with my peers towards a common end, I got things done much quicker and thorough than I ever did on my own. I chose to research group work for this essay, because in my limited experience as a teacher, youth worker, and student, group work proves to be a most effective teaching method; when it is done successfully. To begin, I came up with four questions to ask myself in researching this project: Why is implementing group work such a†¦show more content†¦But for students to become authors and creators and speakers in the classroom suggests new roles for them and for other teachersà ® (Kutz 53). Students need to talk. Research shows that à ¬teacher talkà ® takes up 70-90% of class time. John S. Mayher figured out the statistics even if every students was able to talk in class; within a 45 minute period, if each member of a 30 pupil class talked for one and a half minutes a period, that would be seven and a half minutes a week. That hardly seems enough time to fairly contribute oneà ­s own ideas to a class (Mayher 129). By developing their oral language abilities in the classroom, students will develop a à ¬potential for overall knowledge and application of and in learning in all areasà ® (Mayher 248). The most effective way of developing oral language abilities, and getting enough time to put them in to practice is by the use of group work. à ¬Coming to know is an active process in which the learner must be engaged in acts of discovery and inquiry, and, as Vygotsky has shown, this process always takes place within a particular social/cultural context, with language internalized from and shaped by that context. Most real world learning takes place in interaction with others, but most classrooms isolate learners from that kind of interaction. The group in the classroom mirrors the way most people learn outside the classroomà ® (Kutz 258). As KutzShow MoreRelatedCompare And Contrast Japanese And Japanese Education1159 Words   |  5 PagesMany countries in the world view education as the key to success in life, but each country’s educational system is different in many regards. In the American educational system, students attend school to learn the skills necessary to function in society. In the Japanese educational system, students learn and memorize various subjects to take school examinations in the hopes of winning the education race. The American and Japanese educational systems may seem similar but are different in the areasRead MoreDescription Of Women Entrepreneurs And Analysis Essay872 Words   |  4 Pagesabout the importance of incubation centres in order to start or grow their enterprises are analyzed. Figure 5.1: Age profile Age Majority of the women entrepreneurs belong to Middle age category (age category 31 to 40 years). Middle age group actually dominates women entrepreneurship in the slum because most of these women have school going children. It gives them free time to initiate a business. Followed by the age group of 40-50 years. Figure 5.2: Education profile Education ThisRead MoreAnalysis Of The Book Confucius Lives Next Door 1467 Words   |  6 PagesThe book is separated into eight chapters; The Other Miracle, Eastern Flavor, Pine Tree by the Rice Paddy, The Master King, Yodobashi No.6, Continuing Education, The secret Weapon, Too Much Freedom each telling a certain part of the story as it happens each chapter depicting a different concept. The topics of this book vary from food to education each stating their differences from America. While this book is written in 1990 I believe their traditions and values still hold true to this day. ThroughoutRead MoreReasons For Trust Or Distrust Universities1647 Words   |  7 PagesProvide Effective Ethical Education All the college students are expected to know the principles of ethics and morals without a lecture. Students should not expect someone to teach them the ethics and morals at college, even though there are people who could help them. David A. Hoekema is the chair of the philosophy department and a philosophy professor at Calvin college. He is the author of â€Å"The unacknowledged Ethicists on Campuses,† an article that focuses on three groups that can help studentsRead MoreEssay on My Teaching Philosophy594 Words   |  3 Pagesteacher, but because I want to make a difference in children’s lives. I want to become a Physical Education teacher, to teach children the importance of being physically fit and physically active. In edition to teaching the importance of being and staying healthy, I want to give the younger generation the opportunity to play sports. Through playing sports a child may feel a since of purpose or importance. This may deter a life of crime or a drug-abuse. Through being a teacher I want to be a goodRead MoreApproaches to Environment Education1570 Words   |  7 PagesPAPER I EDUCATION IN EMERGING INDIA TOPIC: Approaches to Environmental Education Environmental Education has been described as education for the environment, education about the environment and education through the environment. It is the process of recognizing values and clarifying concepts in order to develop skills and attitudes necessary to understand and appreciate the inter-relatedness among man, his culture, and his biophysical surroundings. Environmental education also includesRead MoreHigh School And The Neural And Scholastic Benefits Essay1626 Words   |  7 PagesGerald Ford said, â€Å"Music education opens doors that help children pass from school into the world around them a world of work, culture, intellectual activity, and human involvement. The future of our nation depends on providing our children with a complete education that includes music.† Music can do so much for the youth of the nation because it encourages group cooperation, independent study, and a way to relax. It has often been debated whether the benefits of music in school are significantRead MoreCo-Curricular Activities1632 Words   |  7 Pagesreceived a more rounded education. Co-curricular activities are particularly good at providing opportunities for students to work in teams, to exercise leadership, and to take the initiative themselves. These experiences make students more attractive to universities and to potential employers. The academic curriculum is really much more important and must continue to be given more status in schools and colleges than the co-curriculum. Students are meant to be receiving an education and gaining recognisedRead MoreEssay on Contemporary American Class Structure1328 Words   |  6 Pagesis defined as people having the same social or economic status (Wordnet). In contemporary American society, social class is based on the amount of money and property you have and also prestige. Prestige is given to a person through the line of work or the family that they come from. For example, upper-upper class member Jenn ifer Lopez reeks of prestige not only because she has millions of dollars in her bank account, but she has very expensive luxuries, cars, and houses. There are four categoriesRead More Comparison of the North American and Japanese Educational Systems1744 Words   |  7 PagesAsian cultures, places importance on the group and the interdependence of its members (Cole Cole, 2001, p. 541). The North American model, in contrast, focuses on the ideals of individuality and independence (Cole Cole, 2001, p.541). This contrast is due to a conflicting cultural/social structure and outlook of the world. Japanese look at the development of self as doubled sided: the inner self and the social or public self (Hoffman, 2000, p.307). Within the Japanese education system, the teachers

Mr. Franklin and mr. Lyndon discuss the virtuous life. Free Essays

Dear Son, It is with great pleasure and gratitude for your most recent missive, received this third day of October, that I must write at once in the hope of conveying the most unusual and perhaps enlightening conversation I entertained last evening at the home of one, Mr. Charles B. Lyndon, of Concord and New York, though how Mr. We will write a custom essay sample on Mr. Franklin and mr. Lyndon discuss the virtuous life. or any similar topic only for you Order Now Lyndon explains the bifurcation of his very self leads me to wonder if he might be a Papist in Puritan woolens, given the Roman belief in the bi-location of their many saints. Suffice it to say such thoughts of sainthood and the conduct precedent to such an exalted (dare I say, unenlightened) station stands within this correspondence very close to the topic we held under discussion at the wide oak table in Mr. Lyndon’s kitchen, accompanied by his daughter, Elizabeth, on the retirement of his wife, Matilda. Mr. Lyndon and I and his daughter (Mr. Lyndon being a progressive soul in many ways, who saw no reason why his daughter should not be included in our after-dinner discussion, though of course she was not allowed to smoke tobacco) set about like Socrates’ devotees with the proposition stated admirably by my host that the virtuous life is one that can be lived (though his exact word was the imprecise â€Å"attained’) with an exercise of constant vigilance, diligence and hard, hard work. Far be it from me to openly argue with a host whose very wife had fed me so well, yet I was struck so with the open and apparent inconsistency and contradiction hidden in plain sight, that I rose from my chair, walked about the kitchen with my hands behind my back, leaned into the table, lowered myself so that my face rested like a balloon on a string but a few inches from Mr. Lyndon’s nose and, with the boldness that has served me so well in life, despite a ruffled feather here or there, I uttered the expletive †balderdash,† and re-took my seat. Mr. Lyndon’s daughter, the plain but intelligent Elizabeth, held her hand to her lips as her father nearly sputtered his surprise, though without displeasure. Perhaps he believes us to be better acquainted than we are and relies upon that familiarity, real or apparent, to afford him the easier avenue of good humor rather than the more difficult and adversarial stance taken on by the lightly insulted. â€Å"Your reasoning, Mr. Franklin,† he said, the question implicit in the salutation, and I set about framing my argument as one sets about building a house that will withstand summer’s heat and winter’s cold. â€Å"Are you a Papist, Mr. Lyndon,† I asked, and he sat back, again surprised if not outright offended, and replied, â€Å"No, sir. You know that I am a member of the First Congregational Church of Lexington, and a proud member at that. † â€Å"Then Mr. Lyndon,† I said, â€Å"Insofar as you and your loved ones are members in good standing in a church that clearly subscribes to the enlightened and reformative principles of the Great Reformation, which find their genesis in the theology of the late German monk, and his revolutionary reading of Paul’s Letter to the †¦Ã¢â‚¬  I hesitated on purpose. â€Å"Romans,† Elizabeth said which afforded me a desired alliance in the middle-game of our discussion. â€Å"Yes, Romans it is,† I said, continuing on, preparing my lance for the final assault on the citadel of proud humanism’s excesses, â€Å"Then, Mr. Lyndon, my fine host, how can you say in the face of Luther’s doctrine of salvation by faith and not by works that the road to virtue is the one set down by laborers, sweating their earth-bound bodies in some vain attempt, like the ancients of Babel, to obtain some blessed state by dint of human, and therefore ultimately corruptible effort. † Mr. Lyndon sat back in his chair, while his daughter’s eyes, tawny with candlelight did not leave me. Only silence was our companion, silence and from time to time a brush of the wind through trees bare and dressed only with autumn’s wind. â€Å"Then, my good friend,† Mr. Lyndon rejoined in sur-reply, â€Å"allowing for the theology of two hundred years or more, drafted by a man who died with a legacy of troubles, if not shame, how do you suggest that one live a virtuous life?. † I told him that he was a brilliant host and that his generosity was only matched by his daughter’s considerable beauty and that having been the beneficiary of his kindness, his wife’s cooking and his daughter’s fond company, I would set forth my findings as follows. Virtues are but the white angels who sit across the balance of the more popular and burned umber of the seven deadly sins: Pride, Envy, Anger, Lust, Avarice, Gluttony and Sloth. I said that although we who admit to some belief, the nature, width and depth thereof known to no one, not even ourselves, despite all proclamations to the contrary, are by reason of our fallen natures, far more conversant with the left handed path of the more exotic predispositions to sin than we are to the more rigorous climbs to virtue. Therefore, to live the virtuous life one must enter the realms of gold through the back door known well to God’s most humble servants and on the occasion of our entrance argue that we were not so much virtuous in this life, poor vessels of grace doled out by an often chary God, as we were masters of avoidance, such that despite the siren call of experience and its joys, real or false, lasting or short-lived, the measure of our virtue can only be assessed by the evil we did not do, rather than by the good we tried to do. â€Å"That is wrong,† Mr. Lyndon said. â€Å"Truly you don’t mean that, Mr. Franklin. † â€Å"Perhaps not, Mr. Lyndon,† I said, â€Å"and yet between the two alternatives well framed by this enjoyable discussion, I will opt for that statement which sounds in humility concerning the struggle not to sin, rather than swab these meaty arms with the subtle and oily brush of pride that accompanies all claims to virtue. † Yours Very Truly, Father I read a good deal of Franklin’s writing out loud and allowed the â€Å"ear† to do the work of imitation. Any comedian will tell you the ear is the agent of mimicry. Sight, i. e. , analysis is a distant second. I tried to visualize an 18th century candlelit evening, after dinner, and then listened to the voices of the â€Å"actors† as they discussed with all the benevolence (real or not) and grace of sitting congressmen an issue on which they disagreed. I set it in the form of a letter so as to afford Franklin an ironic point of view. How to cite Mr. Franklin and mr. Lyndon discuss the virtuous life., Papers

We beat the streets free essay sample

The story We Beat the Streets by Sharon M. Draper is the remarkable true story of how three kids from bad neighborhoods that were just full of drugs, gangs, violence, and crime and how they banded together to overcome these disadvantages to become doctors. They made a pact to do well in school, get good grades, go to college, and become successful doctors. They did this by always being there for one another and supporting each other whenever they needed it the most. Without the support of one another, they each would probably not have accomplished their dreams and most likely would have just became another nameless victim of the streets where each of them grew up. The story starts out by first telling the back stories of each of the three main characters who would later become doctors. The first character that you read about is Sampson. The book tells about his first experience with doctors and hospitals when he was just a little kid. We will write a custom essay sample on We beat the streets or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page When he was just six years old, he broke his foot and had to go to the hospital to get a cast. Then the book starts to talk about Rameck. Now he never had an accident or an incident that required him to go to the hospital, he kind of doesn’t realize his dream of becoming a doctor until he goes and sees an orientation for medical and dental school with Sampson and the third main character George. There Rameck realizes that he should become a doctor and decides to chase after his dream with the assistance of his two best friends. The book then finally starts to talk the third and final character of the story, George. George wants to become a dentist. He first decides upon this profession when he had to go see the dentist when he was just a little kid. He had to get braces and was very excited. One of the reasons he wanted to become a dentist was because of the dentist that he had. George really liked him and this dentist had a great influence on George. Then the story starts to talk about each of their own lives, including family, school, and friends. Each of them came from a troubled area and had a tough childhood. They each had their own personal family problems and also had money problems that made their family lives harder. Each of them did not think they would go to college because of the fact that college costs money and they did not think that they had enough money to get that far in life. Another thing that held Rameck, George, and Sampson back were each of their own personal groups of friends. All of their friends seemed to be more harmful then helpful, always getting them in trouble, whether it is from drugs, violence, crime, or with the police. Their friends were definitely a negative influence. Then it talks about their schooling and how each of them met and started to hang out with one another. The book talks about how they stood by each other and helped one another out throughout their lives

The Other Side Of The Ledger Essays - Fur Trade,

The Other Side Of The Ledger ?The other side of the ledger? is an Indian view of the Hudson's Bay company. The Hudson's Bay company's 300th anniversary celebration where Queen Elizabeth II among the other guests was present, was no occasion for joy among the people whose lives were tied to the trading stores. During the past 300 years, the history has been written by white men. They have only focused on the generosity of the traders and the benefits brought to the Indians. However, there is a sharp contrasting view from what Indians have to say about their lot in the company's operations. At the time of the history, Hudson's Bay company was expended over 1 million square miles of land which is now known as Canada. The Rupert's Land at that time was occupied by the Indians. They (Indians) believed that the land belonged to all men and hence, the land owned by the individual was unknown. However, they failed to recognize that the white men had felt superiority to impose power over their identities. Hence, they just drifted bit by bit into white men's monopoly and never got out of it. Overall, I think, the film has covered up all the basic arguments of the Indians and has helped to understand the period and the people of that time. It has covered all the basic problems of Indians having with the Hudson's Bay Company. In the following, I have highlighted the main points covered in the film which illustrate the basic problems of Indians and to which I agree. As it is shown in the film, I too think that the introduction of the new weapons (i.e.: guns) was the beginning of the Indian's revolution. All the other hunting methods were band. The distribution of weapons in Rupert's land was done by the H.B.C.. Since, company had established treading posts throughout the land and each post was run by the manager, raising up the cost for the weapons was in the hands of the post managers. Hence, they were continuously ripping off the Indians. During the 1869, when decision to sell Rupert's land was made, it was made by the company, not by the Indians. The land was sold to Canada at a very low price. Many treaties were written to compel Indians to give up their rights to their land. However, after the land was sold, Indian people became the responsibility of the govn't and the parliament. When the question of compensation was claimed, the govn't allowed the compensation of $3 a year and was only to those who signed the treaty to give up their right to the land. Such compensation I think, was not to provide financial support to the Indians but was a reminding of who owned the land, money, and most of all, the power. Further, the Indian's culture was also being banished. Since Indians were living in the region which was cold and off the land, they were depended on the hunting and fishing. Some of the contemporary historians (loyalists) claim that since Canada was a free country, Indians could have proceeded further in success. Well, they had legal right to go to city just like other Canadian, but in order to do so they had to give up their hundreds years of culture and place. Hence, white men's place (city) seemed frightening, threatening and impersonal to them. Not only this, but since Indians were a minority, according to white men, they must learn to adopt their rules and regulation which were to stay away from the standard life style of the whites. If Indians didn't perform accordingly, they were to suffer the consequences. Thus, Indians stayed where they were. A glance on the economic position of the Indians to see how they were being swindled by the Hudson's Bay Company. Indians were the lower income earning groups in Canada. Their income was lower then $2000 a year. Company store was the only store where Indians could sell their fur. The prices for the fur were set by the company. Company not only set the prices for the fur but, also for the goods for which Indians traded their furs. Hence, they were paying double the price then what was being paid in the outside world. The cheques that Indians received from H.B.C. were only allowed to use in the company store. This lead to the deaths of the Indian people since they didn't have enough money to buy food. Now when The Other Side Of The Ledger Essays - Fur Trade, The Other Side Of The Ledger ?The other side of the ledger? is an Indian view of the Hudson's Bay company. The Hudson's Bay company's 300th anniversary celebration where Queen Elizabeth II among the other guests was present, was no occasion for joy among the people whose lives were tied to the trading stores. During the past 300 years, the history has been written by white men. They have only focused on the generosity of the traders and the benefits brought to the Indians. However, there is a sharp contrasting view from what Indians have to say about their lot in the company's operations. At the time of the history, Hudson's Bay company was expended over 1 million square miles of land which is now known as Canada. The Rupert's Land at that time was occupied by the Indians. They (Indians) believed that the land belonged to all men and hence, the land owned by the individual was unknown. However, they failed to recognize that the white men had felt superiority to impose power over their identities. Hence, they just drifted bit by bit into white men's monopoly and never got out of it. Overall, I think, the film has covered up all the basic arguments of the Indians and has helped to understand the period and the people of that time. It has covered all the basic problems of Indians having with the Hudson's Bay Company. In the following, I have highlighted the main points covered in the film which illustrate the basic problems of Indians and to which I agree. As it is shown in the film, I too think that the introduction of the new weapons (i.e.: guns) was the beginning of the Indian's revolution. All the other hunting methods were band. The distribution of weapons in Rupert's land was done by the H.B.C.. Since, company had established treading posts throughout the land and each post was run by the manager, raising up the cost for the weapons was in the hands of the post managers. Hence, they were continuously ripping off the Indians. During the 1869, when decision to sell Rupert's land was made, it was made by the company, not by the Indians. The land was sold to Canada at a very low price. Many treaties were written to compel Indians to give up their rights to their land. However, after the land was sold, Indian people became the responsibility of the govn't and the parliament. When the question of compensation was claimed, the govn't allowed the compensation of $3 a year and was only to those who signed the treaty to give up their right to the land. Such compensation I think, was not to provide financial support to the Indians but was a reminding of who owned the land, money, and most of all, the power. Further, the Indian's culture was also being banished. Since Indians were living in the region which was cold and off the land, they were depended on the hunting and fishing. Some of the contemporary historians (loyalists) claim that since Canada was a free country, Indians could have proceeded further in success. Well, they had legal right to go to city just like other Canadian, but in order to do so they had to give up their hundreds years of culture and place. Hence, white men's place (city) seemed frightening, threatening and impersonal to them. Not only this, but since Indians were a minority, according to white men, they must learn to adopt their rules and regulation which were to stay away from the standard life style of the whites. If Indians didn't perform accordingly, they were to suffer the consequences. Thus, Indians stayed where they were. A glance on the economic position of the Indians to see how they were being swindled by the Hudson's Bay Company. Indians were the lower income earning groups in Canada. Their income was lower then $2000 a year. Company store was the only store where Indians could sell their fur. The prices for the fur were set by the company. Company not only set the prices for the fur but, also for the goods for which Indians traded their furs. Hence, they were paying double the price then what was being paid in the outside world. The cheques that Indians received from H.B.C. were only allowed to use in the company store. This lead to the deaths of the Indian people since they didn't have enough money to buy food. Now when

Make Use Of A Well Written Essay Sample To Writing A Great Essay

Make Use Of A Well Written Essay Sample To Writing A Great EssayA well written essay sample will work wonders for your writing career. And when you make use of a writing sample, it is usually the person with the best and most detailed writing skills who would win a writing award. So, make the most of what you have.The subject and the point are the two most important aspects in writing a lengthy essay. You need to understand the exact and unique things about each topic and write down those points in great detail. The topics are usually too broad to just put down in one sentence.Your topic should be relevant to your essay writing. The topics would normally cover any and all kinds of subject matter. That includes your own personal life, current events, current culture, and even previous topics. For instance, if you are writing a college essay, then your topic would be 'Personal Life'.The next thing you should do is to make sure that your essay is well structured. This would mean that yo u have given enough thought to the content of your essay. In order to make sure that you do not bore the reader, you have to ensure that the paragraphs are well balanced.Besides giving more information to the reader, the well-written essay sample must also be accurate. The material must be concise, too. This means that you should use fewer words than the average essay, but more to get the job done.You have to make sure that you make your readers feel that they can ask questions and get an answer from you. It is usually not enough to just describe your topic. Your essay must also provide enough details about it.The important points that you want to convey are also vital. The contents of your essay must be able to deliver on the expected results. There are a lot of things that are included in the details of your topic. So, make sure that you are able to get all of the necessary details to support each and every point that you want to make.Remember, the last thing you should focus on i s the fact that the topic you are writing about is either very vague or too broad. For this reason, you have to make sure that you make use of a well-written essay sample. By doing so, you will be able to put down your thoughts and ideas clearly, and be able to take advantage of these thoughts when writing your essay.

Financial Analysis on National Bank Ltd. Essays

Financial Analysis on National Bank Ltd. Essays Financial Analysis on National Bank Ltd. Essay Financial Analysis on National Bank Ltd. Essay The then President of the Peoples Republic of Bangladesh Justice Ahsanuddin Chowdhury inaugurated the bank formally on March 28, 1983 but the first branch at 48, Dilkusha Commercial Area, Dhaka started commercial operation on March 23, 1983. The 2nd Branch was opened on 11th May 1983 at Khatungonj, Chittagong. At present, NBL has been carrying on business through its 124 branches and 11 SME / Krishi centers (total 135 service locations) spread all over the country. It has drawing arrangements with 415 correspondents in 75 countries of the world, as well as with 37 overseas Exchange Companies located in 13 countries. NBL was the first domestic bank to establish agency arrangements ith the world famous Western Union in order to facilitate quick and safe remittance of the valuable foreign exchanges earned by the expatriate Bangladeshi National NBL was also the first among domestic banks to introduce international Master Card in Bangladesh. Despite shaken domestic economic condition due to global recession, performance of 2009, the year under review was noteworthy. In 2009, the pretax profit of National Bank stood at 3,197. 50 million, registering a growth of 13. 03 percent over the previous year and profit after tax other provisions stood at Taka 2,070. 47 million reflecting a growth of 36. 45 percent. Further, banks revenue, loans advances, deposit and assets registered a growth of 22. 98, 28. 55, 27. 6 and 27. 53 percent respectively. Capital adequacy maintained at Tk. 9,124. 62 million, which was 13. 56 percent against statutory requirement of 10 percent. The earning per share for the year 2009 was Tk. 72. 74 compared to Tk. 53. 31 of previous year. Being a regular tax payer, the bank made a direct contribution of Tk. 1, 366. 20 million to Government Exchequer in 2009 representing an increase of 79. 35 percent over 2008. Detailed facts-figures and disclosures are available in the financial statements and notes of accounts for the year 2009. Products and Service ? Deposit product. ? Credit product. ? Cards. Deposit Product 1. Saving Deposit National Bank Limited offers customers a hassle free and low charges savings account through the branches all over Bangladesh. Benefits (Condition Apply) ? Interest rate of 6. 00% on minimum monthly balance. ? Minimum balance Tk. 1000. ? Maintenance charge yearly Tk. 400. ? No hidden costs. ? Standing Instruction Arrangement are available for operating account. Account Opening ? 2 copies of recent photograph of account holder. ? Nominees Photograph. ? Valid photocopy of Voter ID Card. 2. Current Deposit National Bank Limited offers customers current deposit facility for day-to-day business transactions without any restriction. Benefits (Condition Apply) ? Minimum balance Tk. 2000. ? Minimum maintenance charge yearly Tk. 800. No hidden costs. ? Standing Instruction Arrangement are available for operating account. ? Easy access to our other facilities. Account Opening ? 2 copies of recent photograph of account holder. ? TIN certificate. ? Nominees Photograph. ? Valid photocopy of Voter ID Card. 3. Term Deposit ? Short Term Deposit. ? Fixed Deposit. a) Short Term Deposit National Bank Limited offers interest on customers short term savings and gives facility to withdraw money any time. Benefits (Condition Apply) ? Minimum balance Tk. 2000. ? Minimum maintenance charge yearly Tk. 800. ? Standing Instruction Arrangement are available for operating account. Account Opening 2 copies of recent photograph of account holder. ? Nominees Photograph. ? Valid photocopy of Voter ID Card. b) Fixed Deposit National Bank Limited offers fixed term savings that will scale up your savings amount wtih the time. Benefits (Condition Apply) ? Any amount can be deposited. ? Premature encashment facility is available. ? Overdraft facility available against term receipt. Account Opening ? 1 copy of recent photograph of account holder. ? Nominees Photograph. 4. Foreign Currency Deposit ? RFC Deposit ? NFC Deposit. a) RFC Deposit National Bank Limited gives opportunity to maintain foreign c urrency account through its Authorized Dealer Branches. : Bangladesh nationals residing abroad or foreign nationals residing abroad or Bangladesh and foreign firms operating in Bangladesh or abroad or Foreign missions and their expatriate employees. Benefits (Condition Apply) ? No initial deposit is required to open the account. ? Interest will be offered 1. 75% for US Dollar Account , 3. 00 % for EURO Account and 3. 25% for GBP Account. ? They will get interest on daily product basis on the credit balance (minimum balance of US$ 1,000/- or GBP 500/- at least for 30 days) maintaining in the account. Account Opening ? 2 copies of recent photograph of account holder. ? Nominees Photograph. ? Passport Copy. ? ID of residence in abroad. b) NFC Deposit National Bank Limited gives opportunity to maintain foreign currency account through its Authorized Dealer Branches. All non – resident Bangladeshi nationals and persons of Bangladesh origin including those having dual nationality and ordinarily residing abroad may maintain interest bearing NFCD Account. Benefits (Condition Apply) ? NFCD Account can be opened for One month, Three months, Six months and One Year through US Dollar, Pound Starling, Japanese Yen and Euro. ? The initial minimum amount of $1000 or 500 Pound Starling or equivalent other designated currency. ? Interest is paid on the balance maintain in the Account. This interest is tax free in Bangladesh. Account Opening ? 2 copies of recent photograph of account holder. ? Nominees Photograph. ? Passport Copy. ? ID of residence in abroad. 5. NBL Monthly Saving Scheme National Bank Limited offers monthly savings scheme for its retail customers. Benefits (Condition Apply) ? Monthly installments of deposit will be Tk. 500/-, Tk. 1,000/- , Tk. 2,000/- ,Tk. 3,000, Tk. 4000/- , Tk. 5,000/- and Tk. 10,0000 ? Account may be opened for any installment and term, which is not changeable. ? A person is allowed to open more than one account for different installment in a Branch/ Bank. |Sl no |Monthly Installments (Taka) |Amount to be paid on completion of Term | | | |3(Three) years @9. 00% |5(Five) years @9. 25% |8(Eight) years @9. 0% | |01 |500/- |20,627/- |37,896/- |70,849/- | |02 |1,000/- |41,255/- |75,791/- |1,41,691/- | |03 |2,000/- |82,510/- |1,51,583/- |2,83,394/- | |04 |3,000/- |1,23,765/- |2,27,374/- |4,25,091/- | |05 |4,000/- |1,65,020/- |3,03,166/- |5,66,788/- | |06 |5,000/- |2,06,274/- |3,78,957/- |7,08,485/- | |07 |10,000/- |4,12,549/- |7,57,914/- |14,16,970/- | Credit Product 1. Overdraft BL offers overdraft facility for corporate customers for day-to day business operations. Benefits (Condition Apply) ? Low charges in overdraft account maintenance. ? Facility is available against deposit receipt or mortgage property. ? Low interest rate 13-16%. Account Opening ? Introductory current account. ? Others necessary documents as per loan requirement. 2. Lease Financing National Bank Limited offers leasing facility for clients with easy installment facility. Financing Area ? Capital machinery. ? Different equipments. ? Gas, Diesel generator and Power plant. ? Medical equipments. ? Lift or elevator. ? Inroformantion Technology equipments. ? Construction equipments. Consumer durables. Benefits (Condition Apply) ? Competitive monthly rental. ? Tax benefit. ? Fast processing. ? Easy handover after leasing period. 3. House Building NBL offers home loan facility for purchasing flats or construction of house. Benefits (Condition Apply) ? Financing amount extends up to 70% or Tk. 7 5, 00,000 which is highest of total construction cost. ? Grace period available up to 9 months in flat purchase or 12 months in construction. ? Competitive interest rate. ? No application or processing fee. Eligibility ? Any Bangladeshi citizen or NRB, who is capable of repayment, can apply for this loan. 4. Small medium Enterprise NBL offers financial support to small businessmen/enterprise with new products named Festival Small Business Loan and NBL Small Business Loan has been introduced in the Bank. Benefits (Condition Apply) ? Maximum Tk. 3. 00 lac (Festival Scheme) and Maximum Tk. 5. 00 lac (Small Business Scheme) ? 3 Months (Festival Scheme) and 5 years (including 1 month grace period (Small Business Scheme)) ? Collateral Free Advance. Eligibility ? Any genuine and small businessmen/ entrepreneurs/enterprise having honesty, sincerity, and integrity. 5. Consumer Credit Scheme NBL offers consumer credit facility for retail customers. Financing items ? Electronics consumer products. Computer or Computer accessories. Benefits (Condition Apply) ? Fast processing. ? Competitive interest rate. ? No application or processing fee. ? Easy monthly installment. 6. Trade Finance NBL provides comprehensive banking services to all. types of commercial concerns such as in the industrial sector for export-import purpose as working capital, packing credit, trade finance, Issuance of Import L/Cs, Advising and confirming Export L/Cs. Bonds and Guarantees . Benefits (Condition Apply) ? Low interest rate 13. 00%-14. 50%. ? Minimum processing time. ? Low service charges. Cards 1. Credit card NBL Credit Card is accepted in many merchant outlets around the world. Our wide range of merchants include hotels, restaurants, airlines, travel agents, shopping malls and departmental stores, hospitals diagnostic centers, jewelers, electronics computer shops and many more. Benefits (Condition Apply) ? Dual Currency Card Facility. ? Lowest Rate of Interest. ? Lowest Card Fees. Special Discount of Card Fee *** condition applicable. ? You can transfer 80% amount of your Local Card Limit to any NBL A/c or have Pay Order Facility. ? No Excess Limit Charge. ? No Hidden Charges. 2. NBL Power Card NBL Power Card is the first debit card for which you don’t have to maintain any account with our any branch. Benefits (Condition Apply) ? It is a Pre-paid Card. ? Annual / Renewal Fee Tk. 200/- only. ? May be issued and refilled from RFCD/FC Account. ? Accepted at all VISA POS merchants. Cash withdrawal at all ATM booths bearing VISA and Q-cash logo(Except HSBC in Bangladesh). ? Drawing of Cash: (i) from NBL ATMs Free of charges (ii) From ATMs under Q-cash network- Tk. 10. 00 per transaction (iii) From other ATM Tk. 100. 00 per transaction. ? Cash Withdrawal Fee (aboard)-2. 00% on the cash drawn amount or US$2. 00, whichever is higher. ? Only 1% loading fee against both International and Local Power Card at the time of Refilling. ? Yearly Tk. 100 for enrollment of SMS service. Account Opening ? 2 copies of your recent photograph. ? Nominees Photograph. ? National ID Card ? Birth Certificate BALANCE SHEET As at 31 December 2009 |PROPERTY ASSETS |2009 2008 | |Cash |6,843,689,881 |5,421,055,640 | |Balance with other Banks Financial Institution |2,490,371,694 |1,174,813,554 | |Money at call short notice |1,359,800,000 |3,089,900,000 | |Investments |12,315,204,277 |9,156,612,128 | |Loans advances |64,962,312,154 |50,665,074,783 | |Fixed assets including land, building, furniture fixtures |1,815,564,664 |1,583,387,810 | |Other assets |1,740,385,536 |716,430,198 | |Non-banking assets |384,788,241 |397,763,841 | |TOTAL ASSETS |91,912,1 16,447 |72,205,037,954 | | | | | |LIABILITIES CAPITAL |2009 |2008 | |Liabilities-Borrowing from other Banks, Financial Institution |1,390,919,847 |1,256,555,900 | |Agents | | | |Deposits other accounts |76,814,651,280 |60,187,435,050 | |Other liabilities |4,789,781,786 |4,634,780,266 | |TOTAL LIABILITIES |82,995,352,913 |66,078,771,216 | |TOTAL SHAREHOLDERS EQUITY |8,916,763,534 |6,126,266,738 | |TOTAL LIABILITIES SHAREHOLDERS’ EQUITY |91,912,116,447 |72,205,037,954 | Liquidity statement (Assets liabilities maturity analysis) As at 31 December 2009 |Particulars |Not more than 1 month |1-3 month term |3-12 months term |1-5 years term |Above 5-years term |total | | |term | | | | | | Assets Cash in hand |1,290,177,054 |- |- |- |- |1,290,177,054 | |Balance with |5,553,512,827 |- |- |- |- |5,553,512,827 | |Bangladesh Bank | | | | | | | |its agent Bank | | | | | | | |Balance with other |1,919,750,009 |295,821,685 |200,000,000 |74,800,000 |- |2,490,371,694 | |Banks financial | | | | | | | |institutions | | | | | | | |Money at call |1,359,800,000 |- |- |- |- |1,359,800,000 | |short notice | | | | | | |Investments |276,548,223 |821,213,870 |2,433,641,609 |1,004,424,171 |7,779,376,404 |12,315,204,277 | |Loans Advances |251,369,000 |6,428,422,500 |23,499,478,750 |27,813,652,000 |4,649,389,904 |64,962,312,154 | |Fixed assets |26,401,403 |52,802,806 |237,612,627 |1,203,447,457 |295,300,371 |1,815,564,664 | |Other assets |333,886,810 |667,409,160 |739,089,567 |- |- |1,740,385,536 | |Non-banking assets |- |- |- |384,788,241 |- |384,788,241 | |TOTAL ASSETS |13,331,445,326 |8,265,670,020 |27,109,822,552 |30,481,111,869 |12,724,006,679 |91,912,116,447 | Liabilities Borrowings from other |315,909,987 |231,819,974 |843,189,886 |- |- |1,390,919,847 | |Banks,Financial Institution | | | | | | | |Agents | | | | | | | |Deposits other accounts |12,327,012,687 |6,789,670,173 |23,763,845,604 |30,624,351,651 |3,309,771,165 |76,814,651,280 | |Other liabilities |409,713,507 |828,671,700 |1,758,041,643 |1,751,983,422 |41,371,514 |4,789,781,786 | |TOTAL LIABILITIES |13,052,636,181 |7850,161,847 |26,365,077,133 |32,376,335,073 |3,351,142,679 |82,995,352,913 | |NET LIQUIDITY GAP |278,809,145 |415,508,174 |744,745,419 |(1,895,223,204) |9,372,924,000 |8,916,763,534 | INCOME STATEMENT For the year ended 31 December 2009 PROFIT LOSS ACCOUNTs |2009 |2008 | |Interest income |6,818,466,566 |5,786,710,797 | |Less: Interest paid on deposits borrowings |4,489,636,114 |3,594,841,261 | |Net interest income |2,328,830,452 |2,191,869,536 | |Investment income |1,779,316,931 |938,915,231 | |Commission, exchange brokerage |1,448,972,295 |1,510,479,954 | |Other operating income |935,365,402 |654,912,889 | |TOTAL OPERATING INCOME |6,492,485,080 |52,961,776,101 | |TOTAL OPERATING EXPENSES |3,114,118,992 |2,173,109,713 | |Profit before provision |3,378,366,088 |3,123,067,897 | |Specific provision |25,000,000 |25,000,000 | |General provision |175,000,000 |270,000,000 | |TOT AL PROVISION |200,000,000 |295,000,000 | |Profit before taxes |3,178,366,088 |2,828,067,897 | |Profit transferred from off shore Banking Unit |19,129,827 |756,516 | Profit before taxes (including) |3,197,495,915 |2,828,824,413 | |Provision for taxation |1,150,000,000 |1,310,000,000 | |Deferred taxes |(22,974,549) |1,389,931 | | |1,127,025,451 |1,311,389,931 | |Net profit after taxation |2,070,470,464 |1,517,434,482 | |Retained earnings brought forward from previous year |975,132,271 |687,825,162 | | |3,045,602,735 |2,205,259,644 | |Statutory reserve |(639,499,183) |(565,613,366) | |Transfer from general reserve |135,000,000 |- | |Dividend |(973,815,007) |(664,514,007) | | |(1,478,314,190) |(1,230,127,373) | |Retained earnings carried forward |1,567,288,545 |975,132,271 | |Earnings per share |72. 74 |53. 1 | RATIO ANALAYSIS FOR 2009 ? Current ratio : current assets/current liabilities = 35,388,824,017/47,267,875,161 = 0. 748 times. FOR 2008 ? Current ratio : current assets/current li abilities = 23,228,911,038/18,569,065,016 = 1. 249 times. 2008 is better than 2008. FOR 2009 ? Return on assets : Net income(profit)/total assets = 2,070,470,464/91,912,116,447 = 0. 022*100 = 2. 2%. FOR 2008 Return on assets : Net income(profit)/total assets = 1,517,434,482/72,205,037,954 = 2. 1%. 2009 is better than 2008. FOR 2009 ? Return on equity : Net income(profit)/total stock holder equity = 2,070,470,464/8,916,763,534 = 0. 232*100 = 23. 2%. FOR 2008 ? Return on equity : Net income(profit)/total stock holder equity = 1,517,434,482/6,126,266,738 = 0. 247*100 = 24. 7%. 2008 is better than 2009. FOR 2009 ? Debt to total assets : total debt/total assets 82,995,352,913/91,912,116,442 = 0. 902*100 = 90. 2%. FOR 2008 ? Debt to total assets : total debt/total assets = 66,075,037,954 = 0. 915*100 = 91. 5%. Less debt 2009 than 2008. Financial Statement Analysis Comparative analysis |Item |Year |Year |Comparative |Percentage | | |2009 |2008 |analysis | | |Cash |6,843,689,881 |5,421, 055,640 |1,422,634,241 |26. 4% | |Balance with other bank and |2,490,371,694 |1,174,813,554 |1,315,558,140 |111. 96% | |Financial Institution | | | | | |Money at call and short notice |1,359,800,000 |3,089,900,000 |(1,730,100,000) |55. 99% | |Investment |12,315,204,277 |9,156,612,128 |3,158,592,149 |34. 49% | |Loan and Advance |64,962,312,154 |50,665,074,783 |14,297,237,371 |28. 1% | |Fixed Assets |1,815,564,664 |1,583,387,810 |232,176,854 |14. 66% | |Including land, building, | | | | | |furniture, and fixtures | | | | | |Other Assets |1,740,385,536 |716,430,198 |1,023,955,338 |142. 92% | |Non-Banking assets |384,788,241 |397,763,841 |(12,975,600) |3. 6% | |Total Assets |91,912,116,447 |72,205,037,954 |19,707,078,493 |27. 29% | |Liabilities(borrowing from other|1,390,919,847 |1,256,555,900 |134,363,947 |10. 69% | |bank, Financial Institution and | | | | | |agent | | | | | |Deposit and other account |76,814,651,280 |60,187,435,050 |16,627,216,230 |27. 2% | |Other liabilities |4,789,7 81,786 |4,634,780,266 |155,001,520 |3. 34% | |Total liabilities |82,995,352,913 |66,078,771,216 |16,916,581,697 |25. 60% | |Shareholders Equity |8,916,763,534 |6,126,266,738 |2,790,496,796 |45. 54% | |Total liabilities and share |91,912,116,447 |72,205,037,954 |19,707,078,493 |27. 29% | |holder equity | | | | | Financial Statement Analysis Common size analysis |Item |Year |Year | | |2009 |2008 | |Cash |7. 44% |7. 50% | |Balance with other bank and Financial Institution |2. 70% |1. 62% | |Money at call and short notice |1. 47% |4. 7% | |Investment |13. 39% |12. 68% | |Loan and Advance |70. 67% |70. 16% | |Fixed Assets |1. 97% |2. 19% | |Including land, building, furniture, and fixtures | | | |Other Assets |1. 89% |0. 9% | |Non-Banking assets |0. 41% |0. 55% | |Total Assets |100% |100% | |Liabilities(borrowing from other bank, Financial |1. 51% |1. 74% | |Institution and agent | | | |Deposit and other account |83. 7% |83. 35% | |Other liabilities |5. 21% |6. 41% | |Total liabilities |90. 29% |91. 51% | |Shareholders Equity |90. 29% |8. 48% | |Total liabilities and share holder equity |100% |100% | SWAT ANALAYSIS Every organization has some strength that helps it to survive, some weakness that push it backward, some opportunities that helps it to compete and also some threats that keeps it aware. NBL also has some SWOTs. These are mentioned below. Strengths of organization ? Stakeholder and customer are main Strength. ? Strong branch network. ? Committed to ensure high customer service. ? True accountability. ? Efficiency and loyalty of all sorts. ? Enough human resources. ? Knowledge enhancement. ? New technology. ? Enough local and foreign branches. ? Good management. ? Enough current money collection periods. ? Priorities identified the Corporate Plan to be implemented: ? Enhancing national and international presence as envisaged in the Vision of the Bank. Consolidation of the Bangladesh Operations by opening more branches. ? Maintain the most preferred bank status for Trade Finance. ? Increase the present credit card base. ? Improve exchange turnover and market share. ? Improve the risk m anagement infrastructure. ? Improve key performance ratio. ? Focus the new business by talking the opportunities favoring the Bangladesh economy. Weakness of organization The organization does not have a diversified range of products services. Still the bank is not fully computerized. Manual registers are used in some cases. However, the income of the business is still heavily dependent upon its share on the retail market. It caters less the corporate market than the SCB. This may leave it vulnerable if for any reason its market share erodes. The retail sector is very price sensitive. But it pays very less interest than other banks. So, if they found higher interest rate offering by other private banks of Bangladesh then they will loose customers. It has less promotion campaign than the other bank, because they believe brand value is the top promoting entity for the company. Opportunity of organization National Bank Limited is a customer oriented financial institution. It remains dedicated to meet up with the ever growing expectations of the customer because at National Bank, customer is always at the center. NBL has a goodwill that it provides different banking services to the people with a minimum cost and cut a very little charge on its transactions. Although it already has 100 branches to provide services to its customers, it also has the opportunity to build up more branches to make more convenient for the customers. The banking business of NBL and its other social activities have increased day by day. Sophisticate customer service scheme of the NBL more preferable to customers than other banks. Products services development offers NBL many opportunities. There is the opportunity to develop products and services such as insurance business huge investment in capital market etc. Such high value items will tend to have associated with them, high profits. There are also global marketing events that can be utilized to support the brand such as the sports other cultural activities. Threats of Organization NBL is exposed to the international nature of trade. It has to deals in different currencies and so costs and margins are not stable over long periods of time. Such an exposure could mean that NBL may be doing banking business at a loss. The new technology emerges to protecting the currency value use options for better credit rate earnings. The market for banking sector is very competitive. The model developed by NBL to be world’s local bank is now commonly used and to an extent is no longer a basis for sustainable competitive advantage. Competitors are developing alternative brands to take away the market share of NBL. The roles and regulation of the government and conventional laws of Bangladesh are also act as threats for the growth of banking business development in Bangladesh. As discussed above in weaknesses, the retail banking sector is becoming price competitive. This ultimately means that retail consumers are transacting in bank around for a better deal. So if NBL charges a comparative high price for a bank account service, or loan rate service, then the customers could go to the other bank to compare fees charges for the exactly the same services, and will take decision the cheaper of the two. Such customer’s price sensitivity is a potential external threat to HSBC. Converting Threats into Opportunities NBL has to expose its international nature of trade more efficiently. It has to recover costs and maintains margins over long periods of time. The new technology has to use to protecting the currency value use options for better credit rate earnings. NBL has to come to with other sort of criterion that’s why the competitor have to fight very long to copy that exposure. NBL has to give a better deal in the banking fees charges for the customers for the retail banking sector. Converting Weakness into Strength NBL has to focus equally to both ranges of customers either retail or corporate. It has to build up a proper strategy that’s why the corporate customers can be interested to open more of corporate account in NBL. NBL also has to give higher interest rate for various products services to gain more market share in banking business. They have to advertise their brand name more . They can sponsor their name for various social activities which will bring up NBL value more to the local customers. They can also make social awareness to the local customers. CONCLUSION Today National Bank Limited has proved the long way of continuous success. This Bank not only concentrates on business growth, but also concern about Corporate Social Responsibility. In line with that NBL foundation long ago in 1989. It has experienced successive growth in the recent past. As all the activities those are required to provide valuable services to its customers to make them satisfy, are related with the fund management system, NBL is so much careful about its fund management system. NBL always gives its highest attention in monitoring and managing the bank fund, which is consists of fund, capital, reserve, deposit, loan and advance. At present NBL is successful in effectively and efficiently managing these vital issues. In spite of that, in order to keep its success continue and reach at the pinnacle of success it, its managers, board of directors and employee must have the comprehensive and clear idea about the reserve, fund, loan, capital, deposit and liquidity regarding the smooth control of bank and continue its vital operation toward country’s economic[pic][pic][pic][pic] Page2

The Best Free Email Marketing Software Tools You Should Use

The Best Free Email Marketing Software Tools You Should Use Free doesn’t have to mean crap. Not even when it comes to email marketing software. Sure, your email list is valuable. 4,000% ROI-level valuable. But, that doesn’t mean every tool you use to execute an email strategy needs to be expensive. In fact, there are tons of free options out there, and they don’t even entail accepting compromises just to get work done. In this post, we’ll round up the best free email tools you should consider using. Then, we’ll show you how to build an entire workflow using free resources. Whether you’re operating on a shoestring budget, or just need a gadget or two to tackle certain tasks, you’re sure to find something you can use.The Best Free Email Marketing Software Tools You Should Use via @Introducing the Email Subject Line Tester You get one chance to write the perfect subject line for your email. Of course, there’s no way to be sure how it’ll perform until you hit â€Å"send.† But, wouldn’t be great if you could tilt the odds in your favor? That’s where our  Email Subject Line Tester  comes in. It's the best way to: Optimize subject lines: Understand which elements to adjust for best performance. Do better subject line A/B tests: Test multiple options, choose your best scores, and repeat. Improve open rates: 33% of recipients open emails based on the subject line. Test yours to make sure you're getting as many opens as possible. Give it a spin now and start optimizing every subject line you write (before sending it to your list). Try the new Email Subject Line Tester from @All 28 Email Marketing Tools This Post Will Cover You might just want a roundup of all the tools mentioned here. In that case, browse through this list and pick out what you need. Free Email Planning and Research Tools Before you get started creating email content, you have some legwork to do. Here are a few resources to help you plan. Free Email Marketing Calendar Template: We’ve included one in this post to help plan all your send dates. Feedly: One of the best RSS reader apps out there. Follow sources in your industry and surface the best content to share with your audience. Scope: Curious to know how a cool-looking email was coded? Use Scope to dissect it and see what you can learn. Try these free email planning and research tools Free Email Writing Tools Writing email copy isn’t easy. Neither is dealing with shame after sending an email with a spelling error. Tips the odds for success in your favor with a couple free editing tools. Grammarly: There’s nothing worse than sending an email to your entire list with a typo. Use Grammarly to catch them before you hit publish. Hemingway: Is your email copy clear and conversational? Use Hemingway to analyze your writing and make sure it’s easy to read. Write flawless emails with these free editing tools Free Email Design Tools Most email service providers make it easy to create designed emails using WYSIWYG editors and templates. If you prefer to hard code your own emails, though, there are free tools out there to help. BEE Free Responsive Email Builder: This responsive email builder lets you design email newsletters, and then deliver them with whichever service you prefer. Free HTML email template roundup from Colorlib: If you need HTML email templates, you’ll likely find several useful options amongst this enormous roundup. HTML to Text Email Converter: Plain text emails  might not look as attractive as designed emails, but they serve plenty of purposes (they’re easier to read, quicker to load, for starters). Use this tool to convert designed emails into plain text, if you plan to send two versions. Free Formatter: Building emails with HTML? Use this tool to cleanly format your code. Da Button Factory: Use this to build CTA buttons for your HTML emails. PicResize: If you have images in your email, and don’t want to fire up Photoshop to resize them, use PicResize to get the job done quickly. Here's how to design great marketing emails without breaking the bank Free Landing Page Building Tools Each of these tools are meant to do one thing: create conversion-optimized landing pages to direct traffic toward from your emails. MailChimp Landing Page Builder Ucraft Landing Page Builder Vertical Response Landing Page Builder OntraPages Landing Page Builder Xtensio Landing Page Creator Send your email traffic to well-designed landing pages with these free tools Free Email Testing Tools Once you hit Send on an email, it’s gone. Outta there. Not coming back, no matter how bad you need to fix something. Get it right before you deliver with these free resources. Mail Tester: Make sure your email isn’t likely to trip spam filters before you send it. Email Deliverability Test: Ensure your email has a high probability of landing in your recipient’s inbox. Email Subject Line Tester: Optimize subject lines before you send to maximize opens and clicks. This one was built by , and its available as a web-based landing page, or within the platform itself. A/B Split Test Calculator: Use this calculator to determine the statistical relevance of your A/B test results. A/B Split Test Duration Calculator: How long should your A/B tests run for? Here’s one way to find out. Email Rendering Preview: If you’re building HTML emails, it’s always good to know how they will appear in people’s inboxes. This tool lets you take a sneak peek. PutsMail: Test your subject line and body content appearance before sending your email. Test every email before hitting Send with these free tools Free Email Service Providers and Delivery Tools Getting emails built and sent is much easier with an email service provider. Here, we’ll recommend a couple, plus one additional tool for easily automating email promotions from RSS. MailChimp: Free for up to 2,000 subscribers and 12,000 emails per month. Integrates with to plan and schedule emails on your marketing calendar. SendInBlue: Free for 300 emails per day. ChimpFeedr: Create RSS-based email subscription feeds effortlessly. Get started with email marketing using these free email service providers Free Email Measurement and Analytics Tools Most ESPs include built-in analytics, but there are a couple tools we recommend using for building tracking URLs. Google Analytics Campaign URL Builder: Use this to create trackable URLs to use in your email content. Google Analytics: Measure referral traffic and conversions from your emails. Measure the performance of your marketing emails with these free tools Plugging Free Tools Into Your Email Marketing Workflow So, now you have a giant list of free tools. Now, how to actually use any of them? Let’s walk through where they fit in your workflow. Step 1: Planning Your Email Newsletter The first step is figuring out what your email will include. Are you putting together: A sales email. Something informational. A product update. Once you have that down, Then, if your newsletter will be rounding up curated content, check out your feeds in Feedly to find relevant content to share: Finally, plan your send date on the email calendar template we’ve included in this post: Using this template, you can map out the following for each email send: Send date Email creator/owner Email type (promo, newsletter, etc) Target Persona Email List (name of list segment that should receive it) Supporting details on each piece of content included in your email And more. In short, using a calendar is an easy way to keep every email send organized. Or, if you’re a paid customer, in (you can snag a free 14-day trial here): Do This In : Using the MailChimp integration, you can automate marketing email newsletter delivery on your marketing calendar. This helps you see every delivery date alongside the rest of your marketing campaigns, content, and projects. Step 2: Writing Your Email Content Next, fire up a word processor and start crafting your next masterpiece. To make sure it’s readable, scan your content in Hemingway. Then, run it through Grammarly to help catch any typos you may have missed: After that, try ’s Email Subject Line Tester and write several email subject line options you think might work. First, enter your subject line: Then, review your analysis. It’ll start by letting you know if you’re using words that either increase or decrease opens (and includes links to word banks showing you which words to consider adding, or avoiding): You’ll also get recommendations on which style case to use: Then, you’ll see suggestions for word count, number usage, and emojis: Finally, you’ll get an illustrated preview of how your subject line might appear to a reader: Try writing several subject line options until you narrow it down to two that you’ll A/B test. Recommended Reading: Everything You Need to Know About Writing Awesome Email Subject Lines Step 3: Designing Your Email Hand-coding marketing emails is not for the faint of heart. It’s also not necessarily essential, with ESPs offering much of the functionality most marketers might need to develop emails. But, there are benefits to designing emails yourself. You get total control over how your email designs look, and it makes sure your emails are unique and more difficult to duplicate. Using the free tools in this post, you can either create emails totally from scratch (which, realistically, you would probably have a developer take on this task), or use freely available templates and tools to create your own, separate from the templates available in your ESP. Note: If you’re using an email service provider like MailChimp, Campaign Monitor, or another similar service, skip this section. First, you might want to snag some inspiration from another email you’ve seen. Try using Scope, a free tool from Litmus, to see how it was built. All you need to do is visit the site, and click and drag the bookmarklet to your browser toolbar: Next, pull open an email you want to examine in Gmail, and click Scope It in your toolbar: The next step is to click the arrow pointers in the middle right to see the source code, or use the Code/Design toggle switch on the upper right: If you choose to go this route, fire up BeeFree.io and select one of the available templates: Or, select Start From Scratch and create your own: As you’re adding content and graphics to your email, use PicResizer to keep images within a reasonable size before dropping them into your newsletter: Then, once you click Save, you can download your email as HTML and send it with your ESP (or, you can upgrade to a paid plan). Now, according to MailChimp, it’s wise to send a plain text version along with designed emails. So, use their HTML to Text Email Converter to make this process easy: Step 4: Create and Schedule Your Email If you’re not building your email by hand, then create and schedule it using MailChimp. This video will show you how to get it done: If your email has links, you’ll also want to use trackable URLs. Use the Google Analytics Campaign URL Builder  to help you track referral traffic from your email: Step 5: Design Your Landing Page (Optional) If you’re sending marketing emails, there’s a good chance you’re promoting something. That means you might also have a campaign landing page where you’re directing traffic. MailChimp makes it easy to create a landing page quickly with their landing page builder. Here’s how it works: Recommended Reading: How to Write Landing Pages That Convert Step 6: Test Your Email Before Delivery A lot can go wrong with email marketing if you aren’t careful. So, let’s make sure your email is well-optimized for success before hitting send. Start by making sure you’re not likely to end up in the SPAM folder using Mail Tester. First, send your email to the address you’re shown: Then, you’ll receive a report checking your spam score. Next, let’s check your email deliverability. This email deliverability test tool from Send Forensics  will help you determine your deliverability performance according to industry benchmarks, and more. To start, the tool will ask for some information: Then, you’ll get an analysis back with some useful stats and data. Now, most ESPs (like MailChimp) make it easy to set up A/B tests to see which subject line influences the most opens. You might want to test all kinds of different elements, from email layouts, to CTAs, to subject lines, and beyond. To calculate how long you should run an A/B test in order to drive a desired increase in conversions, use VWO’s A/B Split Test Duration Calculator. You can use this for all kinds of different A/B tests (like split testing landing pages, for example), but it works well for our purposes here, too. How do you know if your split test results mean, well, anything? Use this A/B Split Test Calculator. It’ll tell you whether there’s any meaningful statistical correlation between result A and result B, based on your total sample size: Finally, if you’re curious how your email will display in various email clients, use Email Previews. It lets you see how your email will look across 90+ different apps: Step 7: Measure Your Email Marketing Performance Now, once your email is sent, you’ll need to measure its performance, and apply what you learn to your next email send. If you’re using MailChimp, you can find a lot of data right in the app. Follow these three guides: How to use Email Campaign Reports in Google Analytics. How to connect your MailChimp account to Google Analytics. Where to find MailChimp data in Google Analytics. If you’re building your own emails, check out this guide from Smart Insights  on using Google Analytics to measure email marketing performance. Recommended Reading: 20 Email Marketing Best Practices That Will Improve Results What Are You Getting Done With Free Email Software? If you’re serious about email marketing, you’re probably paying for an email provider, and maybe some other tools, too. But, if cost has prohibited you from getting started, hopefully you were pleasantly surprised to learn what you could get done completely for free. Even if you are using a sophisticated email tool stack, hopefully you did find something here you could use, and know exactly where to incorporate it into your workflow.