Poppy free essay sample

As I strolled along the riverside, the cream pearl path led me towards a stone bridge. Artists sat nearby, the mens crisp moustaches added delight as each brush stroke swept across the canvass full of complimentary colors, adding life to the pink blossomed trees what danced delightfully by the river. The view was magnificent. Great Grand papa lets play catch! Im tired Poppy, come and help me catch some fish my angel. Okay Great Grand papa can I hold the net? These were some of the precious memories I have of my Great Granddad Jimmy, he was my hero. Today was his birthday and I got my favorite fishing rod and sat at our favorite spot, the birds sang on high branches above me it was so magical. The sun shone brightly and made the freshly cut grass scent tickle my nose. The water ripples formed a calm layer on the rivers surface, this was a perfect day to fish. We will write a custom essay sample on Poppy or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page As the sun sneaked behind the clouds I decided to go under the massive oak tree nearby to eat my sandwiches. Your Grandma has made us sweet Jam sandwiches Poppy, eat them all up. Yum My favorite, Grandma makes the best Jam sandwiches. As I finished my sandwiches the memories I had with my hero made me feel proud of the life I had. Although he wasnt here to share the good days with me I knew hed still be smiling. The sun tiptoed from behind the clouds to reveal its warmth again, I packed my lunch box back into my rucksack and was about to continue fishing when I was suddenly blinded by a radiant glow, as I placed my hand in front of my face to hide my eyes I was welcomed by an engraved silver box. I pushed the dirt what was surrounding it aside and placed it in my hands. I slowly pushed the lid up when it suddenly flipped open. There, lay 3 golden medals sitting elegantly in the silk lined box, the ribbon surrounding the two gold circled medals ND one star added color to them individually. Grandpa why have you got a scratch on your face? Dont worry sweetie its from when Great Grand papa takes away all that nasty hair on his face. Oh Grandpa you are silly, hurry and eat you sandwiches I want to play, I want to play As I placed the three medals back into the box I studied the initials engraved on the box M S J D Master Sergeant Jimmy Deacon. My Great Grandpa was really a hero! This was not Just his birthday but a day to make me believe in myself, chase my dreams and never regret a bad moment in my life. Just as I went to place the box into my rack sack I noticed a hole in the side of the box As I looked inside I could see a cream and crisp rolled up piece of paper. As I opened it carefully I began to read Dear diary, Although today was my last at serving in the army, the friends I have made will never be forgotten. That also includes the ones lost along the way, we have all gone on a journey, exploring our strengths and improving our weaknesses. Missing my family is what hurts the most but knowing I will be holding my first great grand child for the first time makes the days go quicker. My wife is my strength and has helped me to keep together at such a traumatic time, losing my best friend was tough but with what we are expected to do each day theres no time tort mourning, you Just nave to smile and hope your not next. Forever wishing my days away to meet my little Poppy, shes the miracle who also kept me strong. This new life added to the life I thought was going to end. Jimmy. As I read this piece of paper over and over I realized the medals really did belong to my Great Grandpa, the last words filled my eyes with happiness, I was the one who pet my hero strong and I was the life that helped to keep him going and not give up. I wanted to make my Great Grandpa proud As I placed the medal and diary paper into my rucksack I continued my Journey home, each step added excitement to my veins. Artists that was sat painting earlier had now gone and was replaced with restaurant owners giving out flyers for the people walking by. I smiled and continued my walk. As I looked up at the sky an airplane passing over made me think more about my dream and the decision I was going to make, my Great Grand papa was looking over me today and placed my ream right into my hands. I didnt want to be Just Poppy, I wanted to make my country proud and also my hero. As I entered the key into the door, I walked into my house and placed the box onto the table. I then ran upstairs and grabbed the application form. Grand papa when Im older I want to be Just like you. Well Poppy Whatever decision you make in life, make sure youre always happy. These words will stay with me for the rest of my life. As I signed on the dotted line I was no longer Poppy but Dame General Poppy Deacon. It was now my turn to walk in my Grandpas footsteps, my Hero.

10 Jobs Where You Can Be a Hero

10 Jobs Where You Can Be a Hero Remember when you were young and full of promise and passion and thought that no matter what you decided to do when you grew up, it would be something big and important? That you would make the world a better place? Well, you’re never too old to follow through on your old do-gooder dreams. And often those who work in fields where they are constantly giving back to the world are most fulfilled. Whether you’re just starting out and want to make a difference, or you’re changing jobs because you’re tired of not making a difference, here are a few jobs where you can be the one who saves the day. 1. TeacherUndersung and underpaid, this is one of the most important jobs for shaping the way the world will be. Teach the next generation to be better than ours. Teach them to think and to feel and to have compassion. Help them understand the context of what’s come before and how history has a way of repeating itself unless old mistakes are avoided. Mold new her oes! Build up society with a bunch of inspired and inspirational wee people!2. NurseThese everyday heroes are also undersung and also underpaid. Imagine a hospital without them. Doctors would be utterly helpless. 90% of the actual care patients receive is usually from nurses. Save lives, help people through their hardest moments, care for babies and the dying†¦ it’s all of life and death in one rewarding job.3. Computer ScientistAt first glance, this career might not seem like a heroic one, but just think how much computers and apps are currently shaping our lives. Be in charge of coming up with the software and programs that solve the most dire problems of our time.4. Police OfficerThe world always needs more good guys- even the men and women in blue. Be one of them. Help make the shift toward community policing. Be an example for how all Americans can coexist safely and with respect. And save lives while you’re doing it. Work your way up to chief and you can rea lly shape a department and bring communities together.5. Early Childhood EducationBefore they hit the classroom, kids hang out with ECE teachers, who are usually responsible for kids’ early math and literacy skills, plus learning how to interact (and share) with others. ECE teachers are on the front lines of child development.6. Non-Profit Executive DirectorIt may take a while to get up to this level, and non-profit sector employees often report high stress and low pay. However,  if you’re driven by the mission of your organization and truly passionate, then you do have a massive opportunity to make the world a better place.7. Behavior AnalystMake the world a better place one person at a time. A whopping 94% of analysts report that they find their job meaningful and fulfilling. Work one on one with clients to make their lives better on a very personal level.8. Social WorkerEngage with people and help them out of tough situations. You’ll provide physical and ps ychosocial support and improve people’s lives by helping them to cope with their most major problems- things like domestic violence, abuse, neglect- and help them acquire treatment.9. ActivistIt’s a mad world out there- and lots of â€Å"little guys† need the strong to speak for them. Be a voice for positive change in the world. Help create awareness and compassion for causes most people might not think about or understand.10. Ethics OfficerHold the business world accountable to standards of humanity. You’ll be helping to make sure companies run smoothly and efficiently, but also making sure corners aren’t being cut that will compromise what’s right and good in the world. Make sure the company is honest and help them negotiate tricky spots and problems without sacrificing principles.

Mole Fraction Definition - Chemistry Glossary

Mole Fraction Definition - Chemistry Glossary Mole fraction is  a unit of concentration, defined to be equal to the number of moles of a component divided by the total number of moles of a solution. Because it is a ratio, mole fraction is a unitless expression. The mole fraction of all components of a solution, when added together, will equal 1. Mole Fraction Example In a solution of 1 mol benzene, 2 mol carbon tetrachloride, and 7 mol acetone, the mole fraction of the acetone is 0.7. This is determined by adding up the number of moles of acetone in the solution and dividing the value by the total number of moles of components of the solution: Number of Moles of Acetone: 7 moles Total Number of Moles in Solution 1 moles (benzene) 2 moles (carbon tetrachloride) 7 moles (acetone)Total Number of Moles in Solutions 10 moles Mole Fraction of Acetone moles acetone / total moles solutionMole Fraction of Acetone 7/10Mole Fraction of Acetone 0.7 Similarly, the mole fraction of benzene would be 1/10 or 0.1 and the mole fraction of carbon tetrachloride would be 2/10 or 0.2.

ICT Use at Hollow Meadows Health & Spa Resort Essay

ICT Use at Hollow Meadows Health & Spa Resort - Essay Example The paper tells that the hospitality business of Hollow Meadows Health & Spa Resort is conceptualized on the idea of offering services in the following areas: weight loss programme, exercise, nutrition, well being, nutrition and healthy cooking classes, Spa, romantic weekend getaways for couples, outdoor activities as well as bar/pub and restaurant. The main idea behind the business concept is to maximise revenue and occupancy through targeting several markets given that there are few organisations offering unique fitness training holidays to reduce weight and to start a new life with a healthy regime and lifestyle. The concept of business is further supported by the idea that the surrounding areas and the premises would give a great ground base towards the creation of the vision of the business which is not only limited to exercising and weight loosing, but also cooking lessons, nutrition advice and a long term solution for the clients. The business concept also encompasses secondar y offer in cosy boutique rooms which will mainly concentrate on couples wanting to spend a romantic weekend in beautiful surroundings through outdoor activities and spa treatments. However, in order to achieve quality outcomes of the business concept in the hospitality services, it is imperative to harness the appropriate use of information and communication technology. During the contemporary period, it can be noted that the phenomenal growth of the new information and communication technology particularly the internet has revolutionized the ways people conduct business. (Haag, Cummings & Dawkins, 2000). Information pertaining to carrying out business can be exchanged electronically between parties involved and there are many benefits of using this business strategy for the stakeholders involved. Essentially, each business is primarily concerned with serving its customers in a profitable way and this feat can be achieved if that business is in possession of the right information ab out the targeted audiences at the right time which can only be attainable through the appropriate use of information and communication technology as going to be explained below. In this particular case, there is a trend showing cross functional business systems within the same enterprise which require the use of an integrated communication system such as the internet in order to fully support the management of the concept. Business of this particular nature is comprised of interrelated departments which through combined efforts by the stakeholders involved are aimed at achieving the same goal (Robbins, 1997). However, it is quite challenging to achieve a cross functional team approach in the organisation of this nature without harnessing IT which is supportive of horizontal flow of information. This entails that there is need for coordination between different systems within that particular organisation in order to achieve the set goals. Thus, management of the business concept can be supported by the appropriate use of technology and information systems which are the means by which people and organisations, utilising technologies, gather, process, store, use and disseminate information (Haag, Cummings & Dawkins, 2000). The internet in this particular case is more ideal given that it has several advantages to the targeted audiences as well as organisation as a whole. The rationale behind this strategy

Stock Research Assignment Example | Topics and Well Written Essays - 1750 words

Stock Research - Assignment Example The line chart provided below supports the findings of the data. The line chart shows that FTSE 100 showed almost regular trend while the stocks of BT Group plc showed high range of volatility. The volatility of the stocks of BT Group plc were especially high during the months of February. March and May 2014. This was due to the fact that during February, 2014 , BT Group plc had a slow pace of business activities as their work of setting up phone fixed lines were hampered and pushed back up to a month due to heavy rainfall and floods in certain areas of UK. it can be seen that the company has given for two times and the valuation of dividend as per DDM model under CAPM is 9.90 per share. BT Group plc is a company which falls in the Communications sector of industry. It extends its services to not only United kingdom but also other 170 countries across the world. It provides services such as fixed line calling, broadband, television products and even has launched itself into information technology services (networked). The main customers of the company are various multinational corporations, private domestic businesses, and various national and local governments. It presently has a market capital of around  £ 31.04 and its head quarters is situated in London.( Hargreves Lansdown, 2014) Since the analysis has not mentioned any stipulated time frame hence we consider one year as the time period of speculation. The financial year that has been selected for the analysis is financial year 2013-14. The data tables provided below shows the Risk adjusted returns of BT Group plc and FTSE 100 for the past one year 2013-14 and its comparison (Yahoo finance, 2014) It is seen that mostly BT Group plc has positive returns in comparison to the market except during three instances on the dates 3rd February 2014, 3rd March 2014 and 1st May 2014. The line chart provided below supports the

Some things you need to know about Mary Shelleys Frankenstein Essay Example for Free

Some things you need to know about Mary Shelleys Frankenstein Essay In Mary Shelley’s Frankenstein, the definition of the monstrous is both entirely obvious and entirely ambiguous. Frankenstein’s creation, often dubbed ‘Frankenstein’s monster,’ is at once both innocent and murderous; corrupted and corrupting. The discrepancy between the different aspects of his nature can be read in the very definition of the word monster as it has developed over time. The definition of ‘monster’ is â€Å"Originally: a mythical creature which is part animal and part human, or combines elements of two or more animal forms and is frequently of great size and ferocious appearance. Later, more generally: an imaginary creature that is large, ugly, and frightening† (OED). This definition is particularly apt in studying the monstrous in Frankenstein, as it demonstrates the extent to which the creature labeled a ‘monster’ is construed to be something morally and physically disturbing because of its combination of elements from numerous animal forms. Being â€Å"of great size and ferocious appearance† alone would not constitute cause for moral connotations about the creature, and yet the present monstrosity also encompasses fear. It is this fear that ultimately makes the creature a monster, rather than his appearance or any innate moral compass. This essay will seek to demonstrate how Frankenstein’s creature is used to explore morality through his creation and animation, his namelessness, loneliness, and death. Finally, it will examine possible connections between Shelley’s characterization of Frankenstein and the creature, as the two are inextricably linked—not only by their relationship as creator and created, but also according to their logic, their desires, and the consequences of each of their choices throughout the novel. Firstly, the way in which Frankenstein assembles his creature is a substantial and significant part of the novel and should be closely examined. Frankenstein’s own life is put entirely on hold while he obsesses over the dark and mysterious discovery that he has made. After he makes his discovery about the creation of life, Frankenstein says, â€Å"Who shall conceive the horrors of my secret toil as I dabbled among the unhallowed damps of the grave or tortured the living animal to animate lifeless clay?† (Shelley, 46). The phrase, â€Å"the horrors of my secret toil† heavily emphasizes Frankenstein’s isolation and obsession, as he put himself under such immense stress with the scientific project that he frequently became ill. The secrecy of his project also shows how he cut himself off from his family and friends, not even writing home or attempting any social activity or life outside of his own study. In this, he loses sight of humanity, and as such he loses sight of beauty. This results in the utterly fragmented identity of his creation. At the moment of its animation, Frankenstein says, â€Å"How can I†¦ delineate the wretch whom with such infinite pains and care I had endeavored to form? His limbs were in proportion, and I had selected his features as beautiful. Beautiful! Great God† (60). Despite Victor’s greatest efforts to create something beautiful, it is clear that he focused too much on the task at hand, and upon each individual part of his appearance, rather than on the holistic nature of his creation. Victor has essentially focused more on the scientific side of his creation than upon his responsibility, as its creator, to also endow a sense of humanity. The creature is not only comprised of corpses, but of animal parts, and while he has taken care to ensure that â€Å"His limbs were in proportion,† he has entirely ignored the importance of the body as a whole, which is made up of parts that do not match. As such, he has created a monster. This foreshadows the way in which Victor, by focusing solely on the scientific endeavor and not its results, essentially causes the creature to become the monster that he perceives it to be. This will be further discussed with regards to the effects of loneliness on both Frankenstein and his creature. Another important aspect of the Frankenstein’s act of creation is that it encompasses both birth and death in one terrifying spectacle. As Frankenstein has not been able to manufacture a body himself, he has instead relied wholly on taking various body parts from both animal and human corpses in order to piece a body together. This means that while the body is comprised of the dead, it is also the birthplace of new life. The irony of this is not lost upon the narrating Frankenstein, seen in the previous quote: â€Å"I dabbled among the unhallowed damps of the grave or tortured the living animal to animate the lifeless clay† (46). The culmination of both death and life in this strange creature is another aspect of its fragmented identity. Throughout Shelley’s Frankenstein, Frankenstein’s so-called monster is given a slew of insulting and hateful names. These are given to him by the villagers who chase him away, and more notably, by Frankenstein himself. The creature is never ascribed a name, instead being referred to as â€Å"creature,† â€Å"fiend,† â€Å"spectre,† â€Å"demon,† â€Å"wretch,† â€Å"devil,† â€Å"thing,† â€Å"being,† and â€Å"ogre† (Baldick). The lack of a name given to the creature does not only demonstrate that Frankenstein does not consider him human, though much criticism offers perspectives on this. It is true that it shows the dehumanization of the creature by its creator, but this also forces any critics or readers to similarly dehumanize the creature in discussion of him. By denying him a name, it is impossible for any essay or discussion to fully embrace the human and highly intelligent aspects granted to the crea ture. The repetition of these abstract and possibly overreaching terms emphasizes a lack of identity that is by no means manifest in Shelley’s characterization of the creature. The creature has a distinct personality and development arc throughout the novel, and yet is never referred to inhuman or personal terms. This informs much of the reader’s perspective of the creature, both inciting sympathy and becoming an obstacle to relation to it. Names such as these, especially those such as â€Å"devil,† also have broad moral connotations. While the creature may be truly â€Å"monstrous† in appearance, being comprised of so many and such various parts, large and apparently frightening, nothing of his character or morality can be derived before Frankenstein has already effectively dubbed him as evil. This heavy emphasis on appearances as contributory to perceived morality acts in stark contrast to the way in which Elizabeth’s character is first introduced. Victor’s parents adopt Elizabeth entirely because she is physically beautiful. Frankenstein narrates, â€Å"They consulted their village priest, and the result was that Elizabeth Lavenza became the inmate of my parents’ house—my more than sister—the beautiful and adored companion of all my occupations and my pleasures† (4). Frankenstein also comments that â€Å"Everyone loved Elizabeth† (5). In this way, appearance and perceived character are inextricably linked, and while this works in Elizabeth’s favor, in the case of Frankenstein’s creation it means that he is instantly perceived to be inherently evil because of his outward appearance. While horrific, this appearance is the fault of Frankenstein himself and reflects more on his own ideas of beauty and the necessi ty of scientific progress than it reflects on the genuine character of the creature himself. It is only through this presentation of his character that the creature is perceived to be, and eventually becomes a monster in the later sense of being â€Å"large, ugly, and terrifying† (OED), as he could otherwise have been simply defined in terms of size and the variety of his body parts. These, as well as other factors, ultimately contribute to the corruption of Frankenstein’s monster. While many critics suggest that his immorality may indeed have been somehow innate, it is far more convincing to study Shelley’s Frankenstein as a presentation of how nurture is more important to the development of character that nature. The creature is first abandoned at birth, then chased away by the only people he comes into any kind of contact with—people he comes to trust, and, in a way, love—and finally denied the chance at companionship. He is ultimately alone, the only creature of his kind in existence, and hated and feared by all humanity. While Frankenstein understandably did not have the power to alter the opinions and perceptions of others, he nonetheless had ample opportunity in which to take responsibility for his creation and to teach it morality and show it companionship and love. It is only when these opportunities are repeatedly forsaken th an the creature becomes, morally speaking, a monster. The creature himself argues this point, pointing out, â€Å"No mother had blessed me with smiles and caresses,† and saying to Victor, â€Å"I am thy creature; I ought to be thy Adam but I am rather the fallen angel†¦ I was benevolent and good, misery made me a friend†¦ what hope can I gather from your fellow creature†¦ they spurn and hate me† (78). Perhaps the most tragic aspect of the creature’s character that is being highlighted here is that he is so completely aware of what he lacks, and how he is different. He is aware that he lacked a mother, who may well have provided his education, unconditional love, and companionship. Similarly, he has read Paradise Lost, which provides a detailed analysis of what it means to be loved by one’s creator and be given a companion. God loves Adam despite his sin and provides him with Eve as a wife and partner, which are both denied him by his own cr eator, Frankenstein. The creature’s initial abandonment by Frankenstein is shortly afterward followed by his rejection from the family he learns to love. After the creature leaves Frankenstein’s apartments, he wanders in the woods until he eventually comes across a family upon whom he can spy and learn from. From these people, he learns not only how to communicate, but how to relate to other people. With them, he begins to form some semblance of a life of routine and safety: he is safely hidden and knows that he is in no danger and able to provide for himself, and works out a life for himself around the family’s routine. By watching them, the creature eventually begins to feel as though he is a part of this family. He also begins to feel this because he has been long providing for them, leaving them firewood that he collects in order to show his gratitude for being able to share in their life and home, even if they are not aware of his presence. It is precisely because of this connec tion that the monster feels so utterly betrayed by their rejection. His response to the rejection of this family is initially to rail at Frankenstein, saying, â€Å"Cursed, cursed creator! Why did I live? Why, in that instant, did I not extinguish the spark of existence which you had so wantonly bestowed?† (176). This quotation shows that the creature has a conscience, and is able to regret his actions. He blames Frankenstein for creating him, as well as for abandoning him, and the fact that he describes the act of creation as â€Å"wanton† shows that he does not believe it was a just or wholesome use of science. Continuing to reflect on the rejection that he faced at the hands of this family, the monster then recalls, â€Å"I continued for the remainder of the day in my hovel in a state of utter and stupid despair. My protectors had departed and had broken the only link that held me to the world. For the first time, the feelings of revenge and hatred filled my bosom† (178). The creature’s utter despondency shows his deep emotional connection to the family. In a sense, because he was never raised by a parent or creator, the family had become like a parental, guiding figure to him, showing how to coexist with others and how to live in a way that Frankenstein had so completely neglected. This is highlighted by his calling them â€Å"protectors,† as this word implies an active role of protection. However, the family had not even been aware of the monster’s existence while acting as his protectors, and this shows both the extent of the creature’s desperation for companionship and the pain of rejection by those he hoped would continue to protect him. This is a milestone moment in the development of the monster as a truly monstrous character, as his appearance frightens the family and villagers to the extent that they chase him away. They believe him to be dangerous, and therefore morally corrupt, despite the fact that he is, in reality, extremely young and impressionable. Their fear of him inspires the creature to become something he can be sure of a monster. â€Å"This then was the reward of my benevolence! †¦The feelings of kindness and gentleness which I had entertained but a few moments before gave place to hellish rage and gnashing of teeth. Inflamed by pain, I vowed eternal hatred and vengeance to all mankind† (179). This passage shows the final transition of the creature from innocent, desperate new-born, to a dejected creature seeking to cause pain and enact revenge. However, this transition was not necessarily permanent, as the creature still asks for the chance to begin anew, and offers to show mercy and bec ome benevolent once more, should Frankenstein create for him a companion. The creature proposes that Frankenstein embark on this new project of creation, saying, â€Å"If any being felt emotions of benevolence towards me, I should return them a hundred-fold†¦ I would make peace with the whole kind† (119). This shows that just as the creature has been willing to punish all of humanity for the crimes of his creator, he would also be willing to forgive â€Å"the whole kind† if one human were to show him kindness—even if only under extreme duress. Despite the crimes and wrongdoings of Frankenstein’s monster, it is very problematic to characterize him simply as a monster in the moral sense. While his aspect is clearly repulsive, his physical manifestation is by no means reflective of personality, until he is treated as though it must be. Indeed, Lancaster observes that â€Å"Frankenstein’s Monster represents a less threatening version of the social outsider†¦ because the Monster’s identity disconnects him from humanity† (133-34). This suggests a total reversal of conventional depictions of monstrosity, as the creature is presented as a sympathetic character, rather than as inherently evil. Works Cited Baldick, Chris. In Frankenstein’s shadow: myth, monstrosity, and nineteenth-century writing. Oxford: Clarendon Press, 1987. Lancaster, Ashley. â€Å"From Frankenstein’s Monster to Lester Ballard: The Evolving Gothic Monster.† The Midwest Quarterly, vol. 49, no. 2, 2008, pp.132-148. â€Å"Monster.† Oxford English Dictionary. Accessed online at www.oed.com/viewdictionaryentry/Entry/121738.Shelley, Mary. Frankenstein. 2nd ed. New York: WW Norton Co, 2011.

Essay --

Angela’s Ashes was one of the most depressing books I’ve ever read, yet I managed to laugh and cry as I read about Frank McCourt’s childhood entangled in poverty. Frank McCourt managed to provide a captivating narration from a child’s point of view that is heartbreaking, vulgar at times, and humorous on his life of extreme poverty and dealing with his father’s alcoholic problems. This memoir took place during the Depression and World War II, but mainly in Ireland; a country that is revolved around the Catholic Church, high unemployment rates, extreme poverty, and the curse of the Irish: alcohol. Before proceeding, I would like to inform you that I will be discussing some things that might spoil the book, so proceed with caution. Frank was born in depression era New York, to an alcoholic father who spent most of his wages in the pub, and a mother that was disgraced but desperate to take care of her family. The family eventually moved back to Ireland in hopes of a better life, but things got worse. Frank and his family continuously struggled with famine and hunger as his father drift...

Assignment on Online Banking

TERM PAPER ON ONLINE BANKING SERVICE IN BANGLADESH 1. DEFINITION OF ONLINE BANKING Online banking  is a service offered by banks that allows  account  holders to access their account data via the Internet. In order to take advantage of online banking, an account holder would need to meet several technological requirements, such as having a personal computer with Internet access and web browser. If those conditions are satisfied, online banking can be performed from anywhere in the world.To minimize the risk of fraud, online banking is enabled through a secure server, which grants the individual a private access to his or her  bank  account. Online banking is designed to streamline banking chores that otherwise require considerable time and effort. Thus, online banking facilitates direct access to account details, enables transfer of funds, allows for multiple bills payments, and performs an array other transactions. Online banking is available twenty four hours, seven days a week, regardless of the bank's working hours. Today, most banks offer online banking services. . HOW MANY BANKERS PROVIDE ONLINE BANKING SERVICES IN BANGLADESH Bangladesh Bank Governor Dr Atiur Rahman said 79 percent institutions under the country’s banking sector are providing online service at present. He said, â€Å"37 banks are providing all-out online service, while six are getting preparations to provide online service. Almost 79 percent institutions are under online service now. † Dr Atiur came up with the comment at the inauguration of the 4th International e-banking and Mobile Commerce Conference as the chief guest at a hotel in Dhaka Monday 10th July’2012Science and Information Communication Technology Ministry Secretary Nazrul Islam Khan, Bangladesh Telecommunication Regularity Commission Chairman General (Retd) Zia Ahmed, FBCCI President AK Azad, Chief Marketing Officer of Eco-Bharat Anand Ramanand, Dell Bangladesh’s Country Director Sonia B ashir spoke at the inaugural session. Dr Atiur said, â€Å"23 banks were given the approval of providing online services up to June, 2012. Amongst them, 14 banks have already started the service. † 3. PROSPECT OF ONLINE BANKING SERVICE IN BANGLADESH Information technology environment changes rapidly.It is estimated that the number of Internet users in Bangladesh will increase in a recent years. The number of physical branches will be decreased (the profile of physical branches will change to advice and support centers) and most of the transactions will be concluded via main e-banking channels: online Internet bank and m-banking services. Rapid growth of e-banking in Bangladesh is expected. 4. ADVANTAGE OF ONLINE BANKING SERVICE IN BANGLADESH What are the three greatest things about the Internet? E-mail, music, and online banking! Whether for the convenience or the control, online banking is an aspect of banking that nobody can resist.Our children will probably laugh when we t ell them people used to actually go to a bank to pay bills. Online banking rocks! Many of the benefits of doing your banking online are obvious: You don't have to wait in line. You don't have to plan your day around the bank's hours. You can look at your balance whenever you want, not just when you get a statement. There are some hidden benefits too. As a young bank customer, you're just learning how to manage your money and observe your spending patterns. Online banking allows you to watch your money on a daily basis if you want to.By keeping close tabs on your funds, you'll always be aware of what's happening in your bank account. For those experienced spenders, this option is far more appealing than the sudden discovery that you're broke! It's also helpful to watch how much interest you're gathering on investments and savings or what service charges you have incurred. What to expect Here are some of the features available through online banking: View balances: Checking your balan ce doesn't require much work. You simply select Account balances and take a look at your balance and past transactions.If you have more than one account, you can also do transfers between accounts. Pay bills: To pay your bills online, you just need to add to your account the names of the companies you wish to pay bills to. In the Pay Bills section, select Add payees, search for the name of the company and fill in the account number for each company. You can also sign up for the E-bills service that sends you a bill by e-mail instead of a printed one by regular mail. Transfer funds: When you select Transfer Funds, you'll be asked where to transfer the money to and from, when, and the amount.Set up recurring bill payments or transfers: If you make a regular payment every month, it might be convenient to set up an automatic withdrawal from your account. Monitor CIBC investments: If you have any CIBC investments, you can keep an eye on those stocks or mutual funds here. Send and receive an INTERAC e-TransferTM2: This could be the end of the birthday cheque! You can receive transfers from other people's accounts, or set up transfers from your account to someone else's. The recipient will get an e-mail notifying them of the transaction.View CIBC VISA* accounts: Always a good place to monitor your spending. You can make your credit card payments online, right from your account. Order cheques: We don't need them much anymore due to online banking and debit purchases, but if you still use cheques, you can order them directly from the CIBC website. Take control Online banking helps you become more of a banker, running your accounts like a small business that you control every day. Once you get started, you'll be hooked. Soon enough you'll be checking your bank account as often as your e-mail. 5. FUNCTIONS OF ONLINE BANKING SERVICE IN BANGLADESHOnline banking is the practice of making bank transactions via the Internet. It will give you an excellent opportunity to bypass the time-consuming, paper-based aspects of traditional banking in order to manage your finances more efficiently. By switching to electronic bills, statements, and payments, the average American household can save 6. 6 pounds of paper in one year! And you can catch any fraudulent transactions faster than if you received a statement by snail post. Thanks to innovative technology and the Internet in particular, we no longer have to leave the house to make payments.Online banking is available 24 hours a day, 7 days a week, so you can do it anytime, anywhere. Online banking allows us to perform various services with the click of a mouse. You can: 1. Pay a bill. Electronic bill payment service allows a depositor to send money from his or her online account to a creditor or merchant, for example to a public utility or a department store. There is no need to stand in a long line on a weekend morning to handle your transactions! The payment is virtually instant, though some financial insti tutions can wait until the next business day to send out the payment.If it is necessary, the bank can generate and mail a paper cheque or banker's draft to a creditor who is not set up to receive electronic payments. 2. Schedule payments in advance. Most banks offer customers the ability to schedule a payment on a specified date. Once the amount is entered and the payee is checked off, the funds are automatically deducted from your online bank account. It is especially useful if you always forget due dates. For example, you can schedule credit card or mortgage payments to make sure that you will not incur late fees and damage your FICO score. 3.Transfer funds. Do you want to send money quickly and securely? With online banking, you can make money transfers between your own accounts, or send money to a third party account. All you need is recipient/payee information and enough funds in your account. Quite often, the operations are performed in real time. 4. Manage all your accounts i n one place. Online banking is a great time saver because it provides an opportunity to handle several bank accounts (checking, savings, CDs, IRAs, etc. ) from one site. Most new accounts you open will be automatically added to online banking. . View images of your checks online. Do you need a copy of a paid check? With online banking, you can view and print scanned images of the front and back of all checks you have written. It is easy and convenient. 6. Apply for a loan or credit card. Having an account online, you can apply for a credit card or a loan (a car loan, a student loan, a mortgage, a home equity loan, etc. ) from the same bank. If you have a good credit score and long relationship history with your bank, your application is likely to be approved. 7. Purchase and manage CD accounts.If you have some amount of money you want to invest, you can purchase a certificate of deposit from your bank. Online banking lets you compare all available offers and their terms, for example APY or maturity periods. When you confirm the purchase, the funds will be automatically deducted from your account. 8. Order traveler's checks. You can order American Express Traveler’s Cheques online. The bank will typically charge your online account for the amount of the cheques you bought and an express delivery fee. 9. Increase your overdraft. Going into the red shouldn't leave you red-faced!You can increase your overdraft online. Log in to online banking and click on ‘Overdraft' in the menu. 10. Order a cheque book. Save yourself at least one trip to the bank by ordering cheque book online. You will need to visit your bank once when you get a confirmation message that your cheque book is ready for collection. 11. View up-to-the-minute account statements and balance. There is no need to wait for the bank statement to arrive in the snail post to check account balances. You can view all transactions and withdrawals every day just by logging in to your online account .In addition, you can immediately notice errors or unauthorized transactions in the statement. 12. View automatically updated spending report. All your purchases are sorted into familiar categories automatically – no receipts to save, no expenses to enter. It is easy to see where your money goes! 13. Track your payment history. Online banking gives you an opportunity to search your payments by transaction type, date, description or amount. When did you last pay Company X? When did you buy your computer? To whom did you make your most recent payment? Your bank knows the answers. 14.Integrate the data with personal finance programs. Online banking lets you import electronic payment data in personal finance software such as Quicken or Microsoft Money. You will be able to access your online accounts directly from your personal finance program. An Internet connection and online account log in information is required. 15. Change contact details. Have you moved to a new house? Chang ed your telephone number? You can log in to your online account and change contact information (e-mail address, telephone number, password, etc. ). It is more secure than to send this information by e-mail. 16.Utilize investment research. You can receive real-time quotes, analytics, news and stock market information to make a more educated decision. 17. Take advantage of online brokerage. Internet banking lets you invest online. You can place and confirm trades 24 hours a day, seven days a week. Most banks provide a wide range of money market instruments from various issuers. 18. Get alerts. This service allows you to receive timely e-mail messages from your bank about any critical changes related to your Internet accounts. For example, you can get alerts when you make a withdrawal or change your contact information. 9. Verify terms and conditions. Did you forget your interest rates or payment due date? You can verify all information about your account online. 20. Chat with your cus tomer assistant department. If you need help, you can send message to your bank’s customer assistant department. They will help you solve your problem. 6. SWOT ANALYSIS OF ONLINE BANKING SERVICE IN BANGLADESH SWOT Analysis: To find out the viability of a particular product we must perform a SWOT Analysis of the product. This will analyze the Strengths, Weaknesses, Opportunities ,and Threats of the particular product.For analyzing the performance of Internet Banking in Bangladesh we the following SWOT Analysis is considered. Strengths †¢ Internet Banking is new in our market. Only a few banks are now offering internet services in solving banking problems. Most of the banks are offering only accounting information online. Actual fund transfer and fund disbursement is not possible in all the banks that are offering internet services. So this product will enjoy the benefit of a first mover. †¢ It is cheap both for the banks and the customers. The bank will be able to lo wer down the overhead costs and make more profit out of it.Internet banking will require less manual workers. Again the customers will be able to save time as well as money for their transaction needs. †¢ Internet banking is convenient as the service is available all the time at just a click away. Weaknesses: †¢ Security breakdown: The system will have a problem with the identification of the individual who is initiating the transaction. In Bangladesh, the identification of an individual is not yet supported digitally. So there will be a problem in moving to the Internet era for banking purposes just now.First we will have to develop a digital database of the users of the internet banking services. †¢ The transaction can be cancelled only via internet. The internet infrastructure of our country is not that much supportive to provide all time access to the web. So there will be a problem in executing the service with its full functionality. Opportunities: †¢ Non-b ranch banking is becoming popular in our country. Many banks are now offering non-branch banking facilities. A person can withdraw or deposit money in any branch of the bank he has account with. †¢ The internet services are becoming very common to us.So a service offered through the internet will be widely accepted in the near future. Threats : †¢ People have concern about security and privacy. They like to feel their money with their hand. They actually don’t believe in virtual money transfer. †¢ In the field of IT new technology is coming every day. The one which is very popular today might get obsolete tomorrow. So to have a competitive edge over the competitors the banks must always update their services. †¢ The movement towards online banking might marginalized the customers who do not have internet access or who are not technologically sound.Despite the presence of online Internet service in Bangladesh, its scope is largely underutilized. The reasons include high service charges, lack of awareness, poor telecommunication systems, government policy, low buying power of potential clients, and lack of institutional support. 7. CHALLENGES / RISKS OF ONLINE BANKING SERVICE IN BANGLADESH Generally it is believed that banks in Bangladesh are facing different problems adopting e-banking. Inefficiency and lack of adequate knowledge of the top management of the last generation about e–banking may have to be put at the first place.The top management set the way for future development. For the change they must have understood its significance and prospect. Only so, proper strategic plan could be done, appropriate adjustment with changing national and international business and technological environment could be made, the coming challenges from the national and international. competition successfully faced, and the market share retained and gained. The lack of communication channel and technological and technical infrastructure suppo rt may be seen as the second crucial challenges of e-banking in Bangladesh.It is not enough that there are enough communication channels, but they must be efficient, competitive, competent, cost effective and supportive to the services. In the millennium of ICT every nation has to think global, so worldwide efficient networking and WAP have to be ensured. Ensuring mature technology is also very important for successful introduction of the e-banking which includes adequate software. Modern technology is available but frequently very costly, but the countries like Bangladesh have other decisive comparative advantages that could be used to compensate the cost of the modern technology.In this way, the modern technology could be made economically viable, cost-effective and competitive even in the world market. Qualified human resource is another factor that has to be considered, which means experts have to be made available in the market. In the long run such services can’t be mad e competitive with hired or imported human resources. So, respective educational institutes must be established for the supply of the experts for the management of the hard- and software of the sectors. It is expected that a part of the existing employees both from the rank and file may resist the change.To motivate and integrate them in the change, training and reorientation program must be launched. Security of the services is very important to popularize it. To protect the service from piracy and fraudulency reliable security systems must be ensured. In this regard, government, banks, and Bangladesh Bank must work together. So and so, ways and means must be found to protect fraud and money laundering but at the same time ensuring fund transferring. 8. RECOMMENDATION / SUGGESTIONS OF ONLINE BANKING SERVICE IN BANGLADESHMost of the countries have adopted E-banking and the consumers seem to like the convenience of E-banking despite some continuing hesitancy. The widespread uses of A TMs has paved the way for greater acceptance of other forms of electronic money such as smart cards and POS. Direct deposit, and to a lesser extent, electronic bill payment, are and to a lesser extent gaining popularity. In addition, as more people purchase personal computer and use the internet, home banking should become more widely accepted. But a cashless or check less financial system is still not in the state of foreseeable future.Though there are 28 banks in Bangladesh, mostly head quartered in Dhaka. Most of these banks do not offer online or electronic service such as Direct Deposit. There are some ATM machines, though not nearly as concentrated as in a developed economy. The Ministry of Science, Information and Communication Technology has given out the policy for the development in the IT sector. The ministry has concentrated on the following sections: †¢ Human Resources Development through Education and Training †¢ ICT Infrastructure development †¢ Researc h and Development in ICT †¢ Development of ICT Industry Development of E-Commerce †¢ E-Government / E-Governance establishment †¢ Establishment of Legal Issues. The Government spending in ICT is going to increase by at least 2% of ADPin coming years. The ICT companies will get preferential terms which will be able to meet up 20% of its revenue expenditure. BCC has created a centralized fund for R&D which would encourage contributing 1% of all profits from ICT-enabled services to the HRD fund. This will greatly help the development if ICT in Bangladesh. The software support for internet banking, i. e. FLEXCUBE is available in Bangladesh.Again Bangladesh Government is working on the copyright law and the preservation of intellectual property act. After the successful implementation of all these policies and strategies we are expecting that more than 50% of the banks will be offering internet banking facilities that is now 12% only. E-banking is in its nascent state in B angladesh. At present, Information Technology (IT) is a subject of widespread interest in Bangladesh. The government has declared IT as a thrust sector and set up a vision of Digital Bangladesh in 2021. But Bangladesh has a long way to go in a very short time to enjoy the fruits of information age.It will be only possible when there will be political commitment with better IT infrastructure, internal network, country domain and above all ahigh speed fiber optic link to the information superhighway. In order to ensure a successful practice of e-banking in Bangladesh, we recommend the following. * E-banking systems should be simple to use, fast and user friendly. * E-banking services should be standardized so that wherever the solution is used the customer is familiar with the procedure followed. * Government should compel the banking sectors to automate their operation and going online by a specific period. Provide adequate training and technological support to develop the manpower. * Appropriate legal framework. * Proper infrastructure development. * Government should implement the cyber laws to ensure proper security about customers information (i. e. Credit card number) . * Government should establish proper educational institution to create efficient IT professionals to support e-banking in Bangladesh. * Developing of integrated e-banking software. Government, in collaboration with the banks, should educate and inform its citizens and customers on the workability and effectiveness of E-banking.This will increase the confidence level of customers. * The clearing house operation in Bangladesh should be fully automated system. * Banks should have adequate research and technological background in this regard. * Bank can charge normal profit to enlarge the market size on the electronic banking products. * Political commitment to improve governance and institutional strength is essential for successful application of e-banking. * As e-bank users mostly use ATMs a nd POS in most cases, the banks should emphasize on providing uninterruptible service.

Progression of Humans

The Dawn of A New Day Preface The creation of man begins with † In the beginning, God created the heavens and the earth†. One sentence that if proven correct, depicts that a certain scientific theory taught generation after generation is completely and indefinitely ludicrous. If this sentence is wrong, various religions cease to exist. Ah, but does Christianity need to be proven? In our minds, the correct answer to this question is no, to believe is to see. But as human beings, sinners in the eye of God, to see is to believe.Now stay tit me here. As the mundane world revolves around the simplistic idea that happiness can be achieved by buying the world, certain people rise among the filth. Go-getters. Transcendentalists, if you may. These people are the true â€Å"Hipsters† among the conforming young generation set upon being differently the same. They are the people who pay little or no attention to the world of Consumerism evolving around them. They may be differ ent; hell they might even be bizarre. The point is that these are the people who change lives.They are the people that can truly make difference in this god-forsaken planet we call home. They may not be of faith, but they can be compared to the disciples of Jesus Christ. Now back in the day, the disciples weren't some group of â€Å"religious freaks†. They were not celebrities. They weren't even liked. These disciples were the people who stood up for what they believed in, facing both death and the fate of being cast away as outsiders. You see, it doesn't take much for change to occur. It Just takes a person who has the courage to partake in disorder.There are four point two babies born per second. One point seven deaths per second. As life goes on, 27 phones are sold per second. One point six cars produced per second, and 168 tons of foods are produced per second. Life goes by in seconds. Every minute you are aging. Day by day you are changing. An hour passes by, how many pe ople have died in that hour? The point of this crazy numbering is to show you how fast moments of your life pass you by. There is no way of knowing the exact moment of when your life will come to an abrupt stop. You will cease to exist.Life will end, as you know it. Will you be remembered? Will the memories your loved ones have from you be worth remembrance? The days you spend locked away from the majestic wonders of the world are limited. Live your life the way you want to live it. You only live one life, so you better make it worth living. The harsh reality of our situation on this planet is that one day it will be your time to go. Will you make a difference? As generations pass by, the improvements we make to society are crucial to the progression of humans.

John Lewis Environment Forces Essays

John Lewis Environment Forces Essays John Lewis Environment Forces Paper John Lewis Environment Forces Paper John Lewis, one of subsidiaries of John Lewis Partnership (SLP), launched its first store in Loons Oxford Street in 1864. The company then has implemented the organic grown approach, pursuing a dynamic business and corporate strategy. It has been successful by making the right strategic decisions thorough effective operation (Reagan and Sheboygan, 2012). By 201 2, the firm becomes the largest multinational department store retailer in the I-J, with 30 department stores and 9 John Lewis at home, providing Fashion, Home, Electronic products and Home Technology assortment. It publicized that profit before tax in 201 2 was E 15. 8 million, almost triple of that a decade ago (John Lewis pal interim report, 2012). However, success cannot only be measured In term of finance, but also in term of stakeholders happiness. John Lewis achieved Britains Favorite Retailer Awards for the fourth consecutive year in 2011 and many other awards. This paper is about to use environmental forces to explain the achievements of John Lewis over 1 50 years. The work contains mainly three parts: macro-environmental force focusing on four points, then moving to two elements in micro-environment and conclusion. Macro-environmental forces Macro-environment is also known as external environment which affects business decision in various ways and which can impinge not only on the transformation of the firm, but also on the process of resources acquisition and on the creation and consumption of output (Worthington and Britton, 2009). These forces can shape and moderate the behavior of all stakeholders in the market including competitors, suppliers, customers and employees. The macro forces are often organized into political/legal, economic, ecological/physical, social/cultural and technology (Kettle et al. , 201 0, p. 1 54). In order to clarify its influence effectively, the economists arrange them into few models such as PASTEL, DIPPIEST. This paper will apply the PEST model to consider: Political, Economic, Social-cultural and Technology impacts on the success of John Lewis. Political and Legal In order to predict and achieve economic objectives, the government attempts to have some control over business environment. To recover the economy from the recession, the Bank of England has historically set up the interest rate at less than 2% since 2008. It aims to persuade consumers that saving money is less attractive as less interest is received and it also reduce he payment on mortgages and other loans. Homeowners, hence, have more discretionary income, resulting in spending on other consumer goods (Pain, 2009). Moreover, the low rate which means little in return, will increase consumer confidence in purchasing because cost of goods bought in credit is poorer. Although the majority products in John Lewis are highly income elasticity like electrical and furniture goods which are more expensive comparing to them Of other retailers such as Deadbeats, the low interest boosted the sales of the stores, thus greatly help performing during the recession. The electrical and home technological sales in John Lewis rose up by 13% in 2009, mostly from TV sales (Pain, 2009). Since 2012, British government has encouraged companies to practice Employee Share Ownership Plan (ESP.) which is giving shares to employees with the aim of urging motivation, thus growing and improving productivity (BBC News, 201 AAA). This strategy has been already practiced by Sir John Speeds Lewis, founder of JELL_p, many years ago and present as a unique figure of Jell_p. The declaration of Nick College Deputy Minister of Britain, focal as a typical example of excellent employee owned company that is having a great reference and contribution towards the UK economy, has been again strengthened. Since government mention of SLP as a successful model of ESP., it can augment the reputation of the Partnership. In term of specific effects on John Lewis Department Store, this honor is an enormous promotion on national level, so enabling to maintain customers loyalty and attract more potential customers which will benefit its long term growth. Economics The financial crisis in 2008 caused the failure for many companies across many countries in the world, including the SKI. However, the Very low interest ate, mentioned above, helped John Lewis to survive because the low rate will increase business confidence, hence more investments are made. This is because the returns on the future strategies seem to exceed interest payments that have to be made on borrowed funds. For instance, with the E million for 6-week TV advertising campaign, the company was able to succeed even in the recession as its gross sales increased by 2. 8% during the campaign. Helping the company survive and expand, a new department store in Cardiff represents John Lexiss solid position even during the harsh economic environment (John Lewis Partnership annual report and accounts). Moreover, United Kingdom is one of the countries which have high GAP in the world, with the GAP in 201 1 of $2. Trillion and $37, 1 00 per capita (Central Intelligence Agency 2012). Therefore, it confirms that UK market with its strong purchasing power and living standard creates advantages for every business, particularly in retail sector. Strong purchasing power will increase demand for goods and services in the market, thus the firm can use this advantages to enlarge profitability (Egret and Kettle, 1999). For that reason, John Lewis is able to benefit from purchasing power in order to produce more sales and increase the profit. In addition, John Lexiss products are a little higher in price because of its quality, however, it still has ability to make up their price to maximize the profit and compete with other firms. It is because the high income and living standard allow people to have more money in their budget, hence for customers easily accepting a small change in price. As a result, with competitive pricing, total sales at John Lewis rose 6. 7% and 21 % rise in operating profit in 2009 (Gordon, 2010). Socio-cultural The success in children sales are affected by the demographic change in the UK, including population and age structure. The population in Britain has been growing constantly over the decade, reaching approximately 63. 2 million in 2011, 4 million more than recorded in 2001 (BBC News, 201 AAA). This, in turn affects John Lewis toys, nursery and baby sales that soared to 10. 3% in 2012 as John Lewis is famous for its distinct children game, Logo (Holland, 2012). According to a recent BBC News, in 2011 the number of babies born in England was the highest since 1971 , expecting another record- breaking in 2012 (BBC News, 2013). There statistics from BBC News (201 20 displayed that there has been a rise in life expectancy in the UK with 16. % of people over aged 65, the highest record in any census, due to high living standard. A research claims that mature people tend to spend more on their grandchildren rather than on them and less on luxury goods (Access economics, 2001 Hence, it is highly proved that the more born babies and high ageing population will lead to greater demand for childrens products such as toys, hence increasing sales on John Lewis in general. On the other hand, lifestyle can clearly affect peoples attitudes and behaviors Worthington and Britton, 2009, p. 144). The prevalence of internet creates a new lifestyle in which people embrace social networks to communicate. Understanding the rapid spreading culture social networks such as Backbone and Twitter in community, John Lewis has leveraged them to catch up with new trend, hence keep in touch with customers. After launching John Lexiss Backbone page in 2010, today it has nearly 400,000 followers (The Marketing Society, 2013). With such a huge amount of people connecting with the firm, the networks can be used for marketing purpose which is vastly cost-effective instead of other advertising tools. John Lewis, for example, is able to inform its followers easily about promotion and sale period, hoping to encourage sale. Technology The emergence of the internet supports firms to build and maintain customer relationship by online activities which may assist the exchange of ideas, products and services (Mohammed et al. , 2001 cited by Gay et al. 2007, p. 6). Nowadays, people are busier so in-store shopping is less and less attractive or they do not want to be in the multitude during peak times such as Christmas. Online shopping, which can substitute the traditional method, can help buyers to purchase at anytime and anywhere. Therefore, with the convenience, johnnies. Com is an important element of John Lexiss success. There was just 27. 2% increased sales, compared to that in 2010, on johnnies. Com, accounting for 19% of total in 2011 while the online sales rose by 40% in 2012, accounting for 25% of total company revenue (John Lewis pal interim report 2011 , p. 6 and 201 2, p. 6). These figures express a significant improvement of online sales for the previous two years. The John Lewis website, additionally, provides all information about products such as price, usage introduction, so it is not necessary for customers to visit stores for device thus saving time. It achieved the Best Online Retail of 201 0 conducted by Verdict Research (John Lewis), hence strengthening the image. Micro-environmental forces Opposing to macro environment, micro-environmental forces are closer to the business and impact directly on its operation. These forces usually consist of employees, customers, suppliers and distributors (Worthington and Britton, 2009). Among those, stakeholders such as employees and customers have played important roles in the success of John Lewis. Knowing that employee, who will deliver products and services to customers, is one of the cost crucial factors that influence the victory of the company so John Lewis has applied the ESP. for long time growth, emphasizing that employees are its partners. In 2011, when the high revenue was still suffering by the recessions effects, John Lewis staffs received 17% share of profit, which was equivalent to an approximate payment of nine weeks (The Guardian, 2012). A survey conducted by Bryon and Freeman (2010) implies that many employees desire some forms of ownership in the company where they work, thus this benefit will increase employee loyalty and enthusiasm to work harder. Since employees are also the owners, hence if they are more responsible and dedicated to the jobs, the business not only Can increase profitability, but also is able to receive more dividends. Although ESP. may reduce the retained profit of the firm, it helps John Lewis to grow further in long term prospect. Moreover, the loyal customer base is considered as a main contributor to John Lexiss achievement. Throughout years, John Lewis has gradually become a trusted brand to its customers. The over 88 years motto Never Knowingly Undersold which claims to provide the lowest price impairing to other high street competitors, has recently been altered its promise to match with the warranty service offered by the John Lewis (The Telegraph, 201 1). It means the price which John Lewis offers is higher than some other retailers. However, it seems to not have much effect on John Lewis as consumers are looking for a reliable brand, not just cheapest price and they also believe in the value of the firm. Therefore, people are willing to pay more at the Department due to its high quality and outstanding services. This is the reason why John Lewis could perform well during recession, while There competitors, for example, Deadbeats and BBS seemed to choose other inadequate solutions such as loss-leader, hence suffering loss (Wood, 201 1). Conclusion John Lewis Department Store is executing perfectly with micro and macro environmental forces. This is proved by its survival over recession and the favorable financial statement provided by the firm over many years. The success is reasoned to John Lewis effective management by making the right decisions and comprehending the importance of environmental factors such as the emergence of shopping online. Furthermore, its value in quality from rodents to services has built a strongly recognized brand to customers, thus becoming the leader in UK retail market. However, the environment forces are very capricious so John Lewis has to be always cautious and be prepared for any contingency plans in order to preserve its prestige in the future.

EXCHANGE RATE REPORT Essay Example | Topics and Well Written Essays - 500 words

EXCHANGE RATE REPORT - Essay Example America’s economy is largely service based, and its currency generally strengthens when the economic activity in the country is strong. If economic activity slows, dollar weakens. Compare to USA, the economy of the European Union which represents euro focuses more on manufacturing sector which represents a greater percentage of GDP. Euro strengthens when the economic activity in the European Union is strong, and weakens when the economic activity slows. It also weakens if disagreements arise regarding monetary policies among the members of the European Union (â€Å"CURRENCY: USDEUR’’). From many decades US dollar is serving as a major international reserve currency and is one of the major reasons of the status of the United States as a global super power. But, in recent years it faced increasing pressure from European currency, euro. In its early days of introduction, the euro remained weaker than the dollar. Later it shows a stable upward trend and getting stronger against dollar. But, from the last one month US dollar is getting stronger against euro. On December 24th exchange rate of 1 US dollar was 0.763417 euro. On 23rd exchange rate of 1 dollar was 0.765462, and on November 25th, it was 0.750694 euro. On November one, exchange rate of 1 US dollar was 0.718081 euro. If we take the trend of exchange rate for the last one month, we can notice that US dollar is getting stronger against euro on the average basis (â€Å"CURRENCY: USDEUR’’). Many factors played their role in the strengthening of US dollar against euro since last one month. From the past few months U.S economy is growing faster as the investors considered USA as a safe haven for their investment. Demand increased for dollar exports contribute to strengthen dollar. On December 16th, the USA central bank cut interest rates to an all time low, a move aimed at reassuring financial markets and stimulating banks to lend money. American dollar is the currency

Answer the 2 questions from document provided. About 17 and 18 century Essay

Answer the 2 questions from document provided. About 17 and 18 century english literature - Essay Example The earlier audiences were very specialized. Who, really, would care about referring to a cup from the Thespian well Either family or close friends of Sir George Sidney or people who knew what "Thespian" meant. Likewise, in Virtue, the ordinary person can understand what the poet meant by the whole world turning to coal. A hundred years later more of the potential audience "got it." The reason that Gulliver's travels was so popular was that more people saw it as satire and not a clumsy fairy tale. The author refers to Care and Vigilance, somehow used in order to protect one's belongings from thieves. This would probably mean something to an audience in 1726 than it might have meant a century earlier. Jane Austin also developed women readers who may never have heard of Ben Jonson. The thematic change between these two centuries can also quite simplistically, be related to the boutique and department store analogies. While the early poets and writers had a limited audience (with boutique audiences looking for something fine and special) the next century produced more of a mass-product that appealed to a larger audience. John Donne's "Mistress Going to Bed" is, to use a rather unflattering word, "precious." In the middle of the Seventeenth century, thematic change can be seen in Milton, who on the other hand, creates a wide and fundamentally moral canvas with a nation that survived the rift between the new Angli