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CVS Structure Essay

Module 6: Question 1: Draw an outline of your associations space. Rundown the organization’s items and clients and the powers in t...

Thursday, October 31, 2019

Plastic Surgery Essay Example | Topics and Well Written Essays - 1000 words - 3

Plastic Surgery - Essay Example Many may say that beauty is in the eyes of the beholder or that plastic surgery is there to enhance the appearance, but I feel as though it is beyond that and many have made it a mocker. Cosmetic surgery should only be for medical purposes or if seriously injured. The aim of the essay is to use different articles on the effects and reasons of the increasing practices of plastic and cosmetic surgery. The essay focusses mainly on, â€Å"The pitfalls of plastic surgery by Camille Paglia.† Paglia states, â€Å"plastic surgery is living sculpture: a triumph of modern medicine. As a revision of nature, cosmetic surgery symbolizes the conquest of biology by human free will. With new faces and bodies, people become their own works of art† (Paglia, 791). The statement illustrates that plastic surgery has changed the perception of beauty where the western woman has high regards when it comes to beauty since she was the first to hit entertainment industry hence women undergo plast ic surgery to gain perfection. Later in her article, she argues on this perception since the process of plastic surgery is risk and one may end up turning from bad to worse if the surgery fails.In the case of cosmetic surgery, â€Å"what neurological risks be there in the long term use of Botox a nonsurgical toxin injected subcutaneously to paralyze facial muscles and smooth out fallows and wrinkles,† (Paglia, 792) most of the people undergoing cosmetic surgery do not have a clue of the risks of overusing Botox. Before undergoing cosmetic surgery, it is important to identify the risks involved in the overuse of the drug since the drug has severe consequences and irreversible making people from failed cosmetic and plastic surgery lose their true beauty.

Tuesday, October 29, 2019

Research Methods Essay Example | Topics and Well Written Essays - 2000 words - 6

Research Methods - Essay Example Consequently, I researched the course of the corset and found that every period made improvements and adjustments to it. Corsets from the 11th century are different from those found during the Victorian fashion but serve the same purpose. I also realized the significant part of rope art in corsets, which reminded me of the rope artist Hajime Kinoko. His work triggered thoughts about tie and dye and Japanese Shibori and Chinese short foot. The pain involved Chinese short foot reminded me of face surgery, which is a modern form of cruel beauty. The V-line face surgery provoked thoughts of its similarity to the human pelvis bone, which I like. However, my connection to cruel beauty was strong because I draw Japanese style tattoos. Although not all women get tattoos, many undergo cruel beauty by wearing high-heeled shoes all the time. All these thoughts made me decide on the following elements as the focus of my project Qualitative and quantitative forms of research are the main methods of research (Seivewright, 3). Quantitative data collection often concerns facts and statistics used in regression analysis, correlation analysis, SWOT analysis, and other forms of analyses that large corporations require to advance their business. Data collection is large scale and often occurs after a qualitative analysis. On the other hand, qualitative seeks to understand the non-quantifiable elements of an issue by uncovering widespread trends in opinion and thought. Qualitative research seemed more suitable for the project in comparison to Quantitative research. Qualitative research is cheaper and convenient under the current circumstances. I did not have the resources to fund a full-fledged research. Data collection in qualitative research includes b) In-depth Interviews: data on the interviewee’s personal history, opinion, or experience is collected. It is best for one on one interview because the interviewer has an opportunity to explore sensitive topics. The

Sunday, October 27, 2019

The Impact Of Maybank Online Banking Information Technology Essay

The Impact Of Maybank Online Banking Information Technology Essay Computing and IT in the workplace is one of the vital modules that must be deeply studied due to its widely importance which effect on organizations development and behaviour. In this report we will provides an explanation about Online Banking system in Maybank. And we will review what the functionality, advantages and disadvantages, and the impact of Maybank Online Banking system. In addition, we will discuss the similarities and differences of Maybank Online Banking system with Internet and The World Wide Web, Security Issues, and Real-Time-Systems with a recommendations and solutions for future enhancement. Introduction As mentioned on (maybank2u.com.my, 2010) Malayan Banking Berhad or Maybank was incorporated in Malaysia on 31 May 1960 and commenced operations on 12 September 1960. On 17 February 1962, Maybank was listed on the then Kuala Lumpur Stock Exchange (today Bursa Malaysia). Maybank is today among the top companies by market capitalisation on Bursa Malaysia. Maybank is Malaysias largest financial services group with total assets exceeding RM330 billion. The Group has an extensive global network of 1,750 offices in 14 countries namely Malaysia, Singapore, Indonesia, Philippines, Brunei Darussalam, Vietnam, Cambodia, China, United Kingdom, U.S.A., Bahrain, Papua New Guinea, Pakistan and Uzbekistan.   The Group offers a comprehensive range of financial services and products ranging from commercial banking, investment banking, Islamic banking, cards issuance, offshore banking, leasing and hire purchase, insurance, factoring, trustee services, asset management, stock broking, nominee services, venture capital and Internet banking. Today, the Maybank Group has over 39,000 employees who serve over 16 million customers worldwide, with 9.5 million customers in Malaysia alone. Maybank has been consistently ranked among Malaysias most valuable brands. It is also ranked first among Malaysian banks by Brand Finance in its Global 500 survey and 118th among the top 1,000 banks in the world by The Banker Magazine. A Legacy of Growth and Leadership Maybank is the largest bancasssurance player in the region and its internet banking enjoys over 50% of market share in Malaysia. Its Islamic banking arm, Maybank Islamic Berhad, is No 1 in the Asia Pacific region today and among the worlds top 15 Islamic banks. The Groups Insurance Business under the Etiqa brand is among the top in the industry offering Life and General conventional insurance as well as Family and General Takaful plans. Investment Banking Group, spearheaded by Maybank Investment Bank, one of the leading investment banks in Malaysia, offers a comprehensive range of investment solutions, from corporate finance to debt capital markets, equity markets to research and strategic advisory. Maybank has received numerous awards as testimony to its leadership and innovation in product offerings and services. The Groups foundation of strength, consistent record of profitability and strong balance sheet is testament to its resilience in all economic cycles. Corporate Responsibility The Group has over the years placed a priority on being a responsible corporate citizen through various activities, initiatives and programmes, with the primary objective of making a difference in the community, environment and human capital development. As a responsible organisation, we embrace industry best practices in corporate governance by promoting a culture of excellence, transparency, integrity and accountability in our daily operations. Celebrating 50 years in 2010 This year, Maybank celebrates its 50th anniversary. Functionality of maybank Online Banking MayBank online system allows people to perform Banking activities. It provides a fast and convenient way of performing common banking transactions on the Internet. If you have a computer with Internet access, a web browser, youll be able to do your banking from the comforts of home, office or virtually anywhere else in the world. Maybank ATM/credit card holder has to apply before he can get to Maybank internet banking system online for the first time only. Here, more details on how to apply as mentioned on (maybank2u.com.my, 2010): Go to the nearest Maybank ATM. Enter you Maybank ATM/credit card. From the main menu, Choose Maybank2u Services. Choose Maybank2u Application. Enter your own 6-digit Maybank2u.com PIN. Repeat the same PIN again to confirm. Then, Maybank ATM/credit card holder has to complete registration by: Go to www.maybank2u.com. Click on Login. Click on Login for new users. Read the Terms and Conditions, then click on the Accept button. Enter the ATM/credit card number that you used to apply for your Maybank2u.com in the Access Number field. Enter the 6-digit Maybank2u.com PIN that you have selected and click on Activate. Enter your preferred username and password for all future access. Now, Applying and registration has been completed. And the Maybank ATM/credit card holder can access his account easily by: Go to www.maybank2u.com. Click on login. Enter your username and password that you select before. By accessing Maybank online system user can banking online and performs his/her banking activities remotely. The system provides a lot of functions which make the banking Processes easier for the users. Here more details on what user can do through the system. Accounts Banking: Allow users to view and manage their accounts, make payments, and transfer funds. Bill Payment: allow users to pay their bills from almost 600 payee corporations available, pay their Maybankard credit card bill, pay their income tax to LHDN, make DMP Payment, and pay their American Express charge card bills. Transfers: allow users to transfer funds between their own accounts, to another persons Maybank account, to a local account or to an account overseas. Fixed Deposits: allow users to view their existing fixed deposit account details, make an online placement or upliftment. Rewards Points: allow users to check their TreatsPoints or their American Express rewards. Investment: Allow users to trade using Online Stocks, make an EPF payment or manage their EPF accounts, apply for eShare or manage their CDS accounts, choose a fund allocation, view a Maybank Investment portfolio report, register their ASNB Account and make Additional Purchases, view their FCA account details, and view their GSPA account details. Insurance: Allow users to purchase and renew their insurance policy or purchase. Loans: Allow users to view and manage their personal, home, and car loans. Mobile Banking: Allow users to sign up for Mobile Financial Services (mobile banking account), register their number and change their Service Provider. Personal Details: Allow users to change their login password, update customer contact information, view their personal details and update their profile. Buy Online: Allow users to top up their mobile prepaid, buy prepaid mobile and MYeCASH PIN, reload or buy their IDD/STD card and internet prepaid. Maybank @ SG: Allow users to access their Maybank Singapore account. Bills Statements: Allow users to view their bank trading statement, bills and credit card statements, loans statement, and their debit and credit banking advices and notices. Advantages of MayBank Online Banking 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.   Transfer funds: With online banking, you can make money transfer 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   View automatically updated spending report: All your purchases are sorted into familiar categories automatically to save, no expenses to enter. It is easy to see where your money goes. 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.   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.   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. Change contact details:   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. 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. Disadvantages of MayBank Online Banking Security: Yes, online banking is generally secure, but it certainly isnt always secure. Identity theft is running rampant, and banks are by no means immune. And once your information is compromised, it can take months or even years to correct the damage, not to mention possibly costing you thousands of dollars, as well. Some online banks are more stable than others. Not all online setups are an extension of a brick-and-mortar bank. Some operate completely in cyberspace, without the benefit of an branch that you can actually visit if need be. With no way to physically check out the operation, you must be sure to thoroughly do your homework about the banks background before giving them any of your money Learning curve: Customer service can be below the quality that youre used to. Some people simply take comfort in being able to talk to another human being face-to-face if they experience a problem. Although most major banks employ a dedicated customer service department specifically for online users, going through the dreaded telephone menu can still be quite irritating to many. Again, some are considerably better (or worse) than others. Slow processing: From the moment you entered a financial transaction with your bank via the computer.   Usually the bank will require you to submit certain documents like an identification card, signature and the like.   Not only will the bank online require you to submit documents but also to provide special power of attorney in cases where you want to do transactions together with your spouse.   A concrete example is when you want to manage all your wealth and resources together as a couple and you wish to view it online.   Certain technical procedures regarding online banking may be taxing too and complicated. As a result, not all online transactions are immediate. Online banking is subject to the same business-day parameters as traditional banking. Therefore, printing out and keeping receipts is still very important, even when banking online. The Impact of MayBank Online Banking: The Online Banking services in Maybank have profound changes during the last decade. The most obvious change has been the large number of bank mergers, which have increased both the average size of banks and the area over which they operate. Other changes may also prove dramatic but are at this point just getting under way the growth of Internet banking and the combination of banking with other financial services, such as insurance and securities underwriting. The implications of these changes for the profitability and safety of banks have been widely discussed, but what do they mean for local economies? Some analysts argue that the changes will benefit most communities by increasing the publics access to financial services and making it easier for banks to continue lending during regional economic downturns. Others argue that the changes will end up hurting many communities, especially smaller ones, because the large organizations created by mergers will be uninterested in serving small customers and will siphon off funds from smaller markets to lend in big cities. To shed light on the debate, this article focuses on the two groups that are most likely to be affected by the transformation of banking. Consumers and small businesses. Before the recent changes, surveys consistently found that these two groups relied heavily on local banks for their credit and payments needs. It stands to reason, therefore, that they would also be the groups most affected by any changes in local banking practices resulting from consolidation, Internet banking, or financial integration. A further reason for focusing on small businesses is that these enterprises play an especially important role in the economic performance of smaller communities the communities where there has been the greatest concern about the possible adverse effects of the transformation in banking. The article concludes that the recent changes in banking are likely to benefit consumers and small businesses in most communities, as long as they remain free to choose between small and large banks for their banking services. The first section of the article reviews the three major Changes in the banking system consolidation, Internet banking, and financial integration. The next two sections argue that these changes are likely to benefit both consumers and small businesses, provided small banks are available to fill any gaps in service or credit to smaller customers. The last section concludes that small banks face a major but not insurmountable obstacle in continuing to fill this role-the increased difficulty of obtaining funds. THE IMPACT OF THE ONLINE BANKING ON CONSUMERS: Consumers have traditionally relied on nearby banks and branches for many of their banking services. The transformation of online banking in Maybank now under way will hurt consumers by raising the price or reducing the quality of these services. Or the changes benefit consumers by expanding the array of services will offered by banks and allowing consumers to go outside the local market for banking services. It was once thought that the main benefit to consumers of online banking would be lower fees for banking services or higher rates on deposits. According to this view, the cost to banks of online transactions would be much lower than the cost of traditional transactions through a normal branch. As a result, consumers would be charged lower fees or Paid higher deposit rates if they banked online instead of going to a branch office. Proponents of this view pointed to the example of online brokers, who charge investors much less for trading stocks than either discount brokers or traditional full-commission brokers (Marks). THE IMPACT OF ONLINE BANKING ON SMALL BUSSINESS: Like consumers, small businesses have traditionally obtained most of their banking services from nearby banks and branches. Will the transformation of banking hurt small businesses by shifting ownership of these banking offices to large, distant organizations uninterested in dealing with small customers? Or will it help small businesses by making banking and other financial services cheaper and more convenient. As noted earlier, mergers have significantly increased the share of banking resources controlled by large, widely dispersed organizations. Some observers worry that this change in the banking system will end up reducing the total supply of credit to small businesses. These observers acknowledge that some of the businesses that are denied credit as a result of bank mergers may be bad risks that should not have received loans in the first place. They argue, however, that mergers will also reduce the supply of credit to many good risks, hurting the local economy. As in the case of consumers, the main benefit of online banking in Maybank to small businesses is likely to be greater convenience. For several years, large businesses have enjoyed electronic access to their banks through private computer networks. Internet banking in Maybank is now extending that access to smaller businesses. Some bank web sites allow small business customers to view their balances in real time, transfer money between accounts, and originate wire transfers. A smaller number of bank web sites also offer cash management services and payroll services. Industry observers predict that more banks will offer such services over time because small businesses are among their most profitable customers. Large banks have shown particular interest in this area, apparently viewing online banking as a way to lure small business customers away from smaller banks Internet and World Wide Web Maybank File Transfer and the Internet: The internet is a worldwide collection of networks that connects millions of computers and it plays the main role in Maybank transaction system especially online banking, because all the transaction is done by Internet and without the internet there is no online banking. Maybank has become very popular in a world of electronic debits and transfers and other banking activity that, until recently, you would have to have made a trip to the bank to do. All aspects of modern society has benefited from online banking because of the convenience that the internet offers. Internet banks have to make themselves attractive to potential customers. They do this by offering high-yield checking accounts. Internet banks have the comfort of doing so because they do not have the same overhead cost as normal banks. Internet banks are much cheaper to operate than traditional banks, so Internet banks can pass the savings on to their customers. Once they have secured your business, Internet banks offer yo u other services. You will be able to complete your checking, savings, credit cards, mortgages, investments, bill payments and much more from the comfort of your own living room. Maybank has developed a product package designed to provide simple and secure file exchange between the bank and its customers through any of three (3) delivery channels: Web, Desktop Connection or Secure FTP. But in todays networked world of the internet, the browser and e-mail are the ubiquitous software tools used for information exchange. These tools do not adequately support secure file transfer of anything but small files while the ability to track and audit file movement is limited. With M-Secure File Transfer OBS, banks can transmit and receive data automatically without scripts or manual intervention using the web, OBS Desktop Connection Client or Secure FTP. Online Messenger will regularly check for files to be delivered to clients or sent to the bank from designated folders on the customers PC. Customers only have to place a file in the designated send folder and the file will be automatically transmitted to the bank. No complicated FTP processes, no modems, no scripts. Da ta Delivery is secure, using a strong encryption algorithm blowfish with a 448-bit key. Each user has a unique User ID and Password that must be changed every 30 days. E-Commerce E-commerce is business transaction that occurs over the internet and online banking system in Maybank makes it easier, for instance, all these business and transactions can be done and paid at home if you use Maybank online banking. Without the online banking, e-commerce would be difficult and we will have to do these businesses by ourselves because once you want to buy something from the internet youll have to transfer the money and that means going to the bank and do all the transactions and that costs us time, effort and money. Communications: One type of internet banking that Maybank has is Communicative and this type of Internet banking system allows some interaction between the banks systems and the customer. The interaction may be limited to electronic mail, account inquiry, loan applications, or static file updates (name and address changes). Because these servers may have a path to the banks internal networks, the risk is higher with this configuration than with informational systems. Recommendations: Here are some recommendations for Maybank in order to achieve a better online banking: Probably the first thing to think about with online banking would be the convenience. I suggest for Maybank to give us the access to the online banking anytime of the day by improving their online system, because sometimes I have to transfer money for emergency but when I try to access my online banking I found it suspended and thats causes a lot of troubles. Compare the online banking services in Maybank with other banks in order to offer the best services to the customers. Train all the employees on questions customers will ask about online banking in order to make them get a clear idea about it, because some people till now are still afraid of online banking and dont use it. I also suggest for Maybank to make advertisements about this point. As a conclusion, online banking is a part of Internet and all the transactions system occurs by the internet. Like the internet, online banking has his own services and those services such as transfer money which cant be done without the internet and thats one the common things between them. I suggest for Maybank to improve the convenience system and train all the employees to make people get a clear idea about online banking. Security Issues Similarities/ Secure Websites: A secure website is a website using encryption and authentication standards to protect the confidentiality of web transactions. Digital certificates: Digital certificate is a form of electronic credentials for the Internet. Digital certificate is issued by a trusted third party to establish the identity of the ID holder. The third party who issues certificates is known as a Certification Authority (CA). Secure Sockets Layer (SSL) protocol from Verisign Certificate Authority. SSL is a secure way of transferring information between two computers on the Internet using encryption. Strong end to end encryption is also adopted within the banks computer networks and resources. To ensure data confidentiality and integrity, all information transmitted over the Internet is encrypted using the 128-bit (maybank2u.com.my, 2010). Maybank2u.com is WebTrust certified. This certifies our compliance with leading international security standards and Best Practices, as well as our commitment to maintaining a secure environment. WebTrust is an independent corporation that monitors and tests our facilities to assure that we maintain the highest and most current standards in Internet information security and exchange (maybank2u.com.my, 2010). As mentioned on (info.ssl.com, 2006) There are two ways to make sure that Maybank2u.com.my is a secure website: 1) Check the web page URL Normally, when browsing the web, the URLs (web page addresses) begin with the letters http.   However, over a secure connection the address displayed should begin with https note the s at the end. 2) Check for the Lock icon There is a de facto standard among web browsers to display a lock icon somewhere in the window of the browser (NOT in the web page display area!)   For example, Microsoft Internet Explorer displays the lock icon in the lower-right of the browser window: As another example, Mozillas FireFox Web Browser displays the lock icon in the lower-left corner. -Backup: Making copies of data so that these additional copies may be used to restore the original after a data loss event. Backup procedure A backup procedure represents the way you back up your files.   Any backup procedure starts with a concept of a data repository. The backup data needs to be stored and organized. Therefore, its important to establish your backup procedure before choosing the backup solution that is right for you. Different backup procedure has different advantages. Maybank has its own backup procedure performing as follow: Day of Week Weekly Full Backup with Daily Differential Backup Weekly Full Backup with Daily Incremental Backup Sunday A full backup is performed. A full backup is performed. Monday A differential backup contains all changes since Sunday. An incremental backup contains changes since Sunday. Tuesday A differential backup contains all changes since Sunday. An incremental backup contains changes since Monday. Wednesday A differential backup contains all changes since Sunday. An incremental backup contains changes since Tuesday. Thursday A differential backup contains all changes since Sunday. An incremental backup contains changes since Wednesday. Friday A differential backup contains all changes since Sunday. An incremental backup contains changes since Thursday. Saturday A differential backup contains all changes since Sunday. An incremental backup contains changes since Friday. Differences/ -Sensitive username and Password to access bank account online To prevent unauthorised access to our online financial services, every customer is required to select a username and an alphanumeric password, which provides access to their financial information. The username must be between 6 to 16 characters and the alphanumeric password between 8 to 12 characters. The password must include both alphabets and numbers but you may also use special characters (e.g. * $) except spaces (maybank2u.com.my, 2010). -Phishing: Phishing is a high-tech scam that uses spam or pop-up messages to attempt to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords, and / other sensitive information.Phishing is the term coined by hackers who imitate legitimate companies in e-mails to entice people to share passwords or credit card numbers. Report on phishing: Maybank made a hotline which you can contact and report about phishing and avoid being a victim of it. To protect yourself from being a victim of email or SMS Phisihng! If you receive suspicious messages, contact immediately at 03-5891 4744. Real-Time-Systems My bank technology system is functional now, but as a feasibility demonstration, not a supported product. Its ability to transfer funds between its internal micro acounts and external accounts via the Automated Clearing House is turned off. The name, my bank, is a place holder for an eventual company name. Many online banking customers reuse their banking login credentials to access other websites, putting themselves at risk of account hijacking and online banking fraud, according to a study by Trusteer Inc. MY BANK-based online security vendor found that 73% of bank customers use their Internet banking password to access non-financial and less secure websites. Forty-seven percent use both their online banking user ID and password on other websites. The practice puts online banking customers at risk because criminals are using a variety of methods including database hacks, brute forcing and phishing to harvest login credentials from non-financial websites, such as social networking sites and Web-based email services, according to Trusteer. Thieves can then test the credentials on financial-services sites to hijack accounts and commit online banking fraud. Money Trouble in MY BANK A series of upsets could spell trouble for my banks virtual economy Theres a long line of avatars waiting to use the automatic-teller machines for Ginko Financial, a virtual bank in the online game Second Life. For more than a week, account holders have been demanding their money back in what some folks are calling a bank run. Set off by high interest rates and a recent ban on in-game gambling, the bank run could ultimately have a major effect on the games economy. The theft of approximately $12,000 from the My bank World Stock Exchange doesnt help matters either. My bank, is an online world where players can buy and sell all kinds of goods and services. The games economy is based on fictional currency, called Linden dollars. But those dollars do have real-world value: players can buy or sell Linden dollars at a rate of about L$270 to $1 on the Lindex market. My banks website even boasts that thousands of residents are making part or all of their real life income from their My bank businesses. Now the entire My bank economywhich could affect more than 8.5 million playersis in trouble. Although financial institutions in My bank are careful to define themselves as games, some My bank banks offer more than 100 percent annual interesta tempting rate when combined with the possibility of turning Lindens into U.S. dollars via the Lindex. Right along with the promise of turning virtual currency into real-life riches are problems with how some Second Life financial institutions are run, says Robert Bloomfield, an economist at Cornell University who makes a serious hobby of studying My banks economy. The average person who goes to a [real-world] bank isnt aware that theres a large regulatory body keeping track of the reserves the bank has, he says. But banks in Second Life, which Bloomfield compares with the Wild West, are mysterious and unregulated. Ginko Financials CEO, Andre Sanchez, of Sao Paolo, Brazil, has refused to release records of Ginkos investments or financial history, and he has not revealed a clear plan for returning peoples money NOW THER IS 3 Reasons Not to Use Online Bank Accounts * Customer Service with Online Bank Accounts One reason to avoid online banks is that you may run into bad customer service. With a brick-and-mortar bank, youll likely have some familiarity with the staff. At a small credit union, the staff might know you well. Why does this matter? Its easier to get good service if you know the staff and they know you. You can pick and choose who you deal with. However, if your online bank account offers any phone service, you have to take your chances with the 1-800 Lottery. You might get somebody helpful and knowledgeable, or you might not. * Online Bank Accounts and Speed of Clearing The internet is supposed to make things faster. However, you might have to wait a long time for checks to clear. You certainly cant ask for a cashiers check if youre in the middle of a crisis and you need settled money yesterday. Likewise, deposits to your online

Friday, October 25, 2019

Regulation of Food Intake in Obese People: Little Evidence for an Antio

Regulation of Food Intake in Obese People WHAT IS OBESITY? The most common eating disorder in our society is excessive eating which includes craving and compulsive eating which can quite often result in obesity (http://www.nutramed.com/zeno/addictive.htm#exorphins). Obesity is a body condition where a person's body mass index is greater than 30. Other diseases that can accompany or follow obesity include diabetes, hypertension, and heart disease. Also, obese people are at a greater risk of certain kinds of cancer like breast, colon, and uterine cancer. Nori Geary, an associate professor of psychiatry at Cornell University, did a great deal of work on the physiological control of feeding behavior (http://www.med.cornell.edu/rasp/gdir/geary.html). Some people respond well to proper diet and exercise to overcome obesity. For those who do not, however, antiobesity drugs are gaining popularity in pharmaceutical compnaies. One potential antiobesity drug that was recently developed by scientists in France and England is butabindide. This drug works to regulate appetite by breaking down a neurotransmitter that signals satiety. This drug has not yet been administered to humans, but its development may provide information to help with the development of other antiobesity drugs in the future (Jack 1756). FEEDBACK MECHANISMS AND FAT INTAKE A number of biological and psychological factors are involved to consolidate energy intake, expenditure, and storage to satisfy specific biological or biophysiological processes. The degree to which these processes control eating behavior is regulated by sensors in the gastrointestinal tract, the liver, and the brain which all work to control this system through a process of positive an... ... appear to look convincing if it were not for the experiments showing that certain CCK antagonists have not shown a convincing effect on the eating patterns in humans. Other hormones including bombesin, gastric inhibitory polypeptide, glycogen-like insulino-tropic peptide, and pancreatic glucagon may also alter satiety, but the data showing that these hormones really have an effect is not persuasive enough (Read 8). Works Cited Aceto, Chris. (1996) Fat Burners. Joe Weider's Muscle and Fitness. 57: 90-100. Jack, David. (1996) Fighting Obesity the Franco-British Way. The Lancet. 347: 1756-1758. Read, Prof. (1994) The Role of the Gut in Regulating Food Intake in Man. Nutrition Reviews. 52: 1-9. Rolls, B., Dimeo, K., amd Shide, D. (1995) Age-Related Impairments in the Regulation of Food Intake. The American Journal of Clinical Nutrition. 62: 923-935. Regulation of Food Intake in Obese People: Little Evidence for an Antio Regulation of Food Intake in Obese People WHAT IS OBESITY? The most common eating disorder in our society is excessive eating which includes craving and compulsive eating which can quite often result in obesity (http://www.nutramed.com/zeno/addictive.htm#exorphins). Obesity is a body condition where a person's body mass index is greater than 30. Other diseases that can accompany or follow obesity include diabetes, hypertension, and heart disease. Also, obese people are at a greater risk of certain kinds of cancer like breast, colon, and uterine cancer. Nori Geary, an associate professor of psychiatry at Cornell University, did a great deal of work on the physiological control of feeding behavior (http://www.med.cornell.edu/rasp/gdir/geary.html). Some people respond well to proper diet and exercise to overcome obesity. For those who do not, however, antiobesity drugs are gaining popularity in pharmaceutical compnaies. One potential antiobesity drug that was recently developed by scientists in France and England is butabindide. This drug works to regulate appetite by breaking down a neurotransmitter that signals satiety. This drug has not yet been administered to humans, but its development may provide information to help with the development of other antiobesity drugs in the future (Jack 1756). FEEDBACK MECHANISMS AND FAT INTAKE A number of biological and psychological factors are involved to consolidate energy intake, expenditure, and storage to satisfy specific biological or biophysiological processes. The degree to which these processes control eating behavior is regulated by sensors in the gastrointestinal tract, the liver, and the brain which all work to control this system through a process of positive an... ... appear to look convincing if it were not for the experiments showing that certain CCK antagonists have not shown a convincing effect on the eating patterns in humans. Other hormones including bombesin, gastric inhibitory polypeptide, glycogen-like insulino-tropic peptide, and pancreatic glucagon may also alter satiety, but the data showing that these hormones really have an effect is not persuasive enough (Read 8). Works Cited Aceto, Chris. (1996) Fat Burners. Joe Weider's Muscle and Fitness. 57: 90-100. Jack, David. (1996) Fighting Obesity the Franco-British Way. The Lancet. 347: 1756-1758. Read, Prof. (1994) The Role of the Gut in Regulating Food Intake in Man. Nutrition Reviews. 52: 1-9. Rolls, B., Dimeo, K., amd Shide, D. (1995) Age-Related Impairments in the Regulation of Food Intake. The American Journal of Clinical Nutrition. 62: 923-935.

Thursday, October 24, 2019

Modern Technology and the Use of Electronics Essay

Modern technology and the use of electronics, especially computers have changed drastically over the last century. While many feel that there is a major advantage for the frequent use of computers, especially for the youth; there are some who oppose the constant use of them and feel as though they can be a bit of a downfall to the learning process overall. While we may all have our personal opinions on how computers impact the youth on writing and also reading. Clive Thompson and David Gelernter, who are both authors have strong opinions on how computers effect students. While Clive feels as though the use of computers encourage the youth to read and write more; David does not agree with the constant use of technology. Both authors have made very strong and valid points on the topic. Clive Thompson, who is a science and technology writer for the New York Times Magazine feels that since computers, text messaging and different social sites have come available to everyone, it offers kids the opportunity to write more. In this generation kids are constantly texting one another and engaging in various social networks, compared to older generations who only wrote when it was required for them to do so. He makes points by explaining that social media and status updates encourages kids to write more to their audience explaining their daily tweets and online blogs. On this topic, Thompson discusses a lot of research by Professor Andrea Lunsford and finds himself agreeing with her studies; stating that, â€Å" I think we’re in midst of a literacy revolution the likes of which we haven’t seen since Greek civilization,† she says. A lot of socializing starts online and sometimes involves texting, status updates and blogging. It’s giving the young people the ability to express themselves more through their writing, where they effortlessly communicate back and forth with their peers. Clive Thompson makes a great point by explaining how computers effect the young generation into writing to their peers and not just their professor for an assignment. In conclusion, he agrees with Lunsford, stating that,† Technology isn’t illing our ability to write. It’s reviving it and pushing our literacy in bold new directions. † David Gelernter, who received his undergraduate degree from Yale University in classical Hebrew literature and is a professor of computer science at Yale; feels exactly the opposite. Unlike Thompson, he feels that computers should be in the schools and could help accomplish great things in subjects that he feel are being neglected as art and music. The difference is that Gelernter feels as though, â€Å"Computers make our worst educational nightmares come true,† he says. He makes a point on how the software on computers computes auto-spelling and also arithmetic. He explains that multimedia blinded students from the fundamentals of actually reading a book, and understanding what the author is conveying to the audience. David explains his theory on his conditions on how a computer should be used. First he states that there should be a new software for children that ignites the child’s imagination to get them to become more involved. Second, he wants to limit the use of computers for only recess and relaxation periods, for the purpose of kids not becoming dependent on it. Most important, he feels like educators should learn what parents and teachers already know: you cannot teach a child anything unless you look him in the face. The computer’s potential to do good is modestly greater than a book’s in some areas. It’s potential to do harm is vastly greater, across the board. † The two authors have stated strong opinions about their beliefs on computers, and how they affect the younger generation. The similarities the share, is that computers do offer different opportunities to help them both academically and socially, but we should not ignore that the basics is what students need to be successful and not a short cut.

Wednesday, October 23, 2019

3D printing revolution in fashion industry

AD Printing Revolution in Fashion Industry Last week, I went to London Science museum, there was an exhibition of AD printing showing the completely new image of fashion in the coming 20 years. AD printing has been developing rapidly, now it is way more than printing plastic. It prints something that I cannot even believe: structural thing like house, complicated thing like gun, huge thing like rare plane and guess what, lively tissue. As AD printing becomes more mainstream, its applications are broadening (Rachel 2013).It started to hit the roll of fashion, besides AD printed handbags, dresses, we can see AD printed high- heel shoes and bikinis in the latest fashion shows. As Stephanie (2014) mentioned, the mix of apparel and technology shows the innovative soul of fashion, the future of fashion is truly tricked out with AD printing technology. As this evolution continues we can expect to see a AD printing revolution in our fashion industry. In the following sections, this essay is going to illustrate the revolution in production, supply chain and design aspects.Beginning with the first step of manufacture, production method in fashion field will e totally changed. According to some researches, 10% of all consumer products by the year 2025 will be made by the AD process. Richard (2013) discussed that since applications of the technology spread and prices decrease, more products will be manufactured at their location of purchase or consumption. Indeed, consumers will be printing their own clothing by 2020, according to inventor and futurist Ray Skuzzier (Tanya 2013). This implies that new household-level production will emerge.On top of it, production will no longer includes labor force, capital, natural resources, UT only the printing machines, raw materials and programs which lead a huge reform. Based on the change of production method, the supply chain will eventually be modified. â€Å"The world will transform from a macro-manufactured supply chain to a mi cro-manufactured supply chain or what is known as distributed manufacturing† (Nick 2014). Whereas cars today are made by Just a few hundred factories around the world, they might one day be made in every metropolitan area.The supply chain is going to be shortened as only machines and programs are involved, the whole supply chain may even only appear in our home. As the supply chain will undergo a makeover, certain categories of business will be eliminated. Countries will rather do domestic production than import since production will no longer require so much labors and places, shipping, delivery and inventory service will then go downhill. Before, the Internet technology has already overturned many traditional business models, so now the AD printing technology is going to revolute the fashion industry into a new era.Nature of design will be adjusted due the altered producing methods. Customization of goods is more significant due to maker can simply adjust the aerogramme (Ric hard 2013). As AD printing can solve some practicable problems of creative products, so it actually encourages the creativity in meeting individuals' need. The Job of designer will change as they have to know well about technology and design the products with programmer, or even, everyone can become a designer.What Rachel (2013) mentioned is this kind of intersection of fashion and technology can give everyone access to creativity. People will be designing clothes for themselves which they know their size and style the best, so they can create personalized clothing. If you do not want to spend time on making your own AD printing programmer, you can simply buy it online as what we are doing for music file, consumers would pay a fee to download and print the renderings, Ideas may eventually never produce sportswear, but simply sell the format to print Jersey and sneaker.Due to this, keen competition between the brands will be stronger, millions of designers are compete to produce a tr emendous variety of objects. Some researchers start to doubt whether AD printing will be widely spread since customized products may be more expensive than traditional mass-produced goods, ND spend longer time as well (Ashley 2010). And actually, since the technology is improving and supply increased, according to the scale of economy, the price of machine and materials for printing are eventually dropping.CNN did an experiment in 2013 that compared buying 20 items like phone case, spoon holder to the cost of printing them out directly. The result is, it took 25 hours to print all the objects and they saved up to $1926, depending on the quality of the comparable retail products. So we can definitely imagine all the time cost and price will be reducing by 2020. As what Nick (2014) pointed out, we are at the beginning of a revolution that will transform our society in ways we can't even imagine.

Tuesday, October 22, 2019

Rationale and impact of Japan’s expansionary fiscal policy and monetary easing The WritePass Journal

Rationale and impact of Japan’s expansionary fiscal policy and monetary easing Introduction Rationale and impact of Japan’s expansionary fiscal policy and monetary easing GDP of $6 trillion (IMF, 2012). It has, in recent years, shown signs of economic recovery with GDP growing at an annualized rate of 3.5 percent with the realization of 0.9 percent growth in the three months to March compared to the previous quarter. At the end of 2012, the Japanese economy, emerging from the recession grew at a rate of 1 percent (Evan, 2013; Anatoe, 2013). This growth and recovery is attributed to an attempt to stimulate the economy through aggressive monetary easing by the country’s central bank, the Bank of Japan, as well as big government spending. These decisive steps are contained in a new economic policy fronted by Japan’s Prime Minister, Shinzo Abe, popularly referred to as ‘Abenomics’ (Anatoe, 2013). This paper explores the rationale of Japan’s expansionary fiscal policy and monetary easing, discussing their impact on both the domestic and global economy over the short and longer term with regard to relevant theory. In an endeavour to resolve macroeconomic problems facing the country, Japan, in a complete break from the past, is pursuing the recently introduced policy package consisting of a three-pronged approach including: a flexible fiscal policy, a bold monetary policy and a growth strategy focused on encouraging private sector investment. The country is actively pursuing both an expansionary fiscal policy and monetary easing to revitalize the economy, ridding it of the deflation that it has suffered for two decades (Anatoe, 2013). Deflation in the economy is evidence of persistently inadequate demand (Case and Fair, 2006), with Japan’s national income (in nominal terms), despite perceived growth in the economy, still actually less than it was in 1994 (Evan, 2013). In the view of many economists regarding Japan’s economic challenges, macroeconomic stimulus concentrated on boosting demand, as pursued in the ‘Abenomics’ policy package, was long overdue (David, 2013; Anatoe, 2013; Evan, 2013). Post world war two, Japan rebuilt itself industrially and in sustaining a weak Yen and maintaining low labour costs, was able to flood Western markets with its exports. It, thus, was able to channel money back into society thereby realizing consistent economic assent. However, in the 1980s, shifts in dollar value and subsequent interventions led to the strengthening of the Yen. In an attempt to counter this unfavourable strengthening, the Bank of Japan (BOJ) issued vast quantities of Yen, massively increasing the money base (Anatoe, 2013). This easy money coupled with very low interest rates drove real estate and stock prices upwards to unreasonable levels, exacerbated by money inflows from the US and Europe. The country entered an econom ic bubble which subsequently burst wiping out tens of trillions of dollars in wealth and massive tumbles in asset prices (Evan, 2013; The Economist, 2013). To counter the tumble, BOJ increased spending and tried to encourage more lending, arranged bailouts of banks and insolvent firms leading to a cycle of stagnation, and continuously lowered interest rates, to its lowest 0.1%. Pensions and life-savings were wiped out and people became risk averse (Evan, 2013). A negative birth rate and the resulting shift in demographics is a significant structural problem that has led to the shrinking of the productive segment of the population and production capacity with dire economic and social implications contributing to the two decade stagnation (David, 2013; Anatoe, 2013). The country is at a tipping point and in the two decades has been living off past savings and sustaining its lifestyle, maintaining the faà §ade of equilibrium through deficit spending, backed by internal borrowing. Despite extreme growth in debt, this has insulated it against the kind of crises seen in Europe (Evan, 2013). This dire scenario necessitates the bold and drastic stimulus measures such as contained in the ‘Abenomics’ policy package (Anatoe, 2013; The Economist, 2013). Such measures are in line with the circular flow of income economic model which describes the reciprocal cycle of incomes between producers on the one hand and consumers on the other. With the unlimited and recurring nature of human wants driving demand and continuous production, these entities provide each other with factors that facilitate the circular flow of income. Firms provide consumers with goods and services in exchange for their monetary expenditure, with another level of their engagement involving exchange of factors of production such as land, labour and capital for rent, wages, interest and profits. This latter income for the household sector drives expenditure and consumption from the business sector completing the continuous cycle (Hansen, 2003; O Sullivan and Steven, 2003). The more realistic five- sector model of the circular flow of income entails producers and consumers, in addition to financial, government, overseas sectors engaged and influencing the cycle. A state of equilibrium in the circular flow of income occurs when the total leakages from the economy (savings, taxes and imports decreasing money supply) equal total injections (investment, government expenditure and exports increasing money supply). States of disequilibrium affect income, production (output), expenditure and employment with their levels falling leading to recession or contraction of economic activity if leakage surpasses injections or rise leading to boom and expansion if injections exceed levels of leakage (Case and Fair, 2006). Reduction of income leads households to cut down on savings and expenditures in taxation and importation leading to a fall in leakage. This is driven until leakages equal the lower injections into the economy thereby lowering the level of equilibrium and vice versa. This model outlines the interdependence of the various factors interplaying in the economy, balancing production and consumption through controls such as incomes and, therefore, demand and expenditure (Vladimir, 2011). Fiscal and monetary policy strategies seek to bring the economy to a level of equilibrium, or when necessary, to encourage disequilibrium which gives a semblance of growth, increasing injections into the economy and thereby fostering boom and expansion in the economy. It also serves to temper growth when the economy heats up (O Sullivan and Steven, 2003). To restart Japan’s battered economy and to drive it into a growth path, there was need for such drastic measures increasing the requisite injection s and thereby safeguarding the economy from the unfavourable recession and a contraction of the overall economy (Heyne, Boettke, and Prychitko, 2002). The stimulus package entailed a 10.3 trillion Yen stimulus, the takeover of Japan’s Central Bank which hitherto was unwilling to undertake the required bold experiments in monetary policy, and commitment to clear-cut comprehensive structural reform (The Economist, 2013). These initiatives were founded upon Keynesian economic theories based on the belief that proactive actions of government comprise the only means to steer the economy. Government should employ its power to increase spending and create an easy money environment thereby increasing aggregate demand (Galor, 2005). These stimulus measures have received a good report from various analysts with most perceiving Japan’s economy to be on the right track to recovery. This is evidenced by citations of a jump in individual spending on the back of a rally in Japanese stocks, as well as recovering exports. Of note is the rise of the main Nikkei 225 45% this year with the 3.5% anticipated growth rate expected to outpace major economies such as the US and the Eurozone (The Economist, 2013). Falling prices deter spending both by business and consumers (injections) with their tendency to hold out for a better deal with a consequence of reduced demand overall. Pumping trillions of Yen into the money supply (leakage) has therefore been beneficial in pushing down the currency’s value and has significantly helped exporters enhancing their competitiveness in overseas markets and increasing the value of the profits repatriated (Anatoe, 2013). This has also led to the huge rally in Japanese stocks as investors rush to take advantage of the potential for companies to acquire bigger earnings (Evan, 2013). Despite the plan’s short-term success, some analysts are however questioning the sustainability of the recovery. Hesitation by companies to boost their investment in spite of improved business sentiment is cited pointing at company spending which fell 0.7% in the three months although an increase was expected (Evan, 2013). Convincing companies to spend is a key part of the stimulus plan enabling the pulling of the country out of deflation.   Also crucial is the interplay between Japan and other countries its neighbours, relates to and competes against, notably China, Taiwan and South Korea. The monetary and fiscal stimulus designed to end chronic deflation has seen a sharp devaluation of the Yen which is not only unsustainable, but also unfair to other countries. This type of recovery is unfair since it comes at the expense of Japan’s trading partners and geopolitics, with strong economic policy reactions from Japan’s neighbours almost inevitable (David, 2013). There is a risk of their interference in the foreign exchange markets to stop the appreciation of their currencies with trade disputes likely to emerge against certain Japanese exports and increasing scrutiny of Japanese investments (David, 2013). Such moves will prove unfavourable to Japan’s external trade in the longer term. The challenge going into the future is in seeking to deliver anticipated economic growth following the unprecedented macroeconomic expansion. What is needed is sustainable growth in the longer term and this requires the restructuring of the economy, enhancing overall productivity and increasing the participation of the labour force in production (Vladimir, 2011). Economists and investment analysts looking from the bottom-up are more sceptical citing profound structural problems such as Japan’s shrinking population, misallocation of investment, huge public debt, inflexible labour practices, unimaginative management, protectionist lobbies among others, which can hardly be fixed through monetary policy measures (Evan, 2013). Macro-investors, on the other hand, are contented with the positive fiscal and monetary expansion and consider it a good opportunity to buy Japanese equities and to sell the Yen. If this latter group maintain their bullish run, with enough conviction to troun ce the scepticism of the bottom-up investors, Japans economy in its present reality could change in the longer term (The Economist, 2013). Despite initial success in shoring up the stock market and increasing expenditure in the short term, the transmission mechanisms linking the monetary policy to long term economic outcomes for Japans economy remain fragile. To ensure a sustainable long-term increase in productive capacity, there is need for plans to fix the deep structural and demographic problems the country faces (The Economist, 2013). Most of these factors are however beyond government control and it can therefore just set the tone, encouraging players in the economy to support the policy measures. An example of this is corporate labour practices under the control of the private sector/business (Vladimir, 2011). References Anatoe, K., 2013. The radical force of Abenomics. Reuters (May, 17). Viewed from: http://blogs.reuters.com/anatole-kaletsky/2013/05/17/the-radical-force-of-abenomics/ Case, K., and R., Fair, 2006. Principles of Macroeconomics. Prentice Hall. David Li, 2013. Abenomics will only damage Japan’s neighbours. Financial Times (22, May) Evan S., 2013. Testing Abenomics. Bloomberg view (June 6, 2013). Viewed from bloomberg.com/news/2013-06-06/testing-abenomics-.html Galor O., 2005. From Stagnation to Growth: Unified Growth Theory. Handbook of Economic Growth, Elsevier Hansen, B., 2003. The Economic Theory of Fiscal Policy. Volume 3. Routledge. Heyne, P., P., Boettke, D., Prychitko, 2002. The Economic Way of Thinking. (10th ed). Prentice Hall. IMF, 2012. Statistics on the Growth of the Global Gross Domestic Product (GDP) from 2003 to 2013. October, 2012. O Sullivan, A., M., Steven, 2003. Economics: Principles in action. Upper Saddle River, New Jersey 07458: Pearson Prentice Hall. The Economist, 2013. Japan and Abenomics: Once more with feeling. May, 18. Tokyo Vladimir N., 2011. Econodynamics. The Theory of Social Production. Springer: Berlin.

Monday, October 21, 2019

Anti Death Penalty essays

Anti Death Penalty essays I. Roosevelt Collins, a black man in Alabama, was convicted of rape, sentenced to death, and executed in 1937. Roosevelt testified that the victim who was white had consented to sex, which caused a near-riot in the courtroom. The all-white jury deliberated for only FOUR minutes. Later interviews with several jurors revealed that although they believed the act was consensual, they also thought that he deserved death simply for messin around with a white woman. Even the judge, off the record, admitted his belief that Roosevelt was telling the truth, QUOTE: An innocent man went to his death. Horace Dunkins was executed on July 17, 1989. His attorney never told the jury he was mentally retarded, with an IQ estimated at 65. When newspapers reported this several years later, one juror told the press she would not have voted for the death penalty had she known of his retardation. The accomplice to this crime was given a life sentence. II. Everyone has their own opinion of the Death Penalty. The problem is, most United States citizens do not have the facts. As long as the death penalty is a form of punishment, we all should be aware of this information...the correct information, and not just what crime the Dead Man Walking committed. III. Myself, Chandra, Steve, and Geoff have done extensive research on the subject of corporal punishment and will discuss those findings with you today. IV. The Death Penalty is a costly, immoral, and imperfect form of punishment. Before Americans chant Death for a moral wrong, we should make sure that we are right. V. Today we will discuss some of the problems with the death penalty, solutions and alternatives to it, and even give you a glimpse into how our future America will be if we continue this immoral deterrent. Chandra will share with us three of the major problems with the death penalty. Steve will discuss some soluti...

Sunday, October 20, 2019

How to Get the Most Out Of Khan Academy SAT Prep

How to Get the Most Out Of Khan Academy SAT Prep SAT / ACT Prep Online Guides and Tips The College Board recently partnered with Khan Academy to provide free SAT prep resources.There are a lot of resources offered, and they can be a great help if you know how to use them correctly. This guide will explain exactly what prep materials Khan Academy offers, what they’re best for, when you should rely on other prep materials, and tips for getting the most of out Khan Academy's resources. What Is Khan Academy SATPrep? Khan Academy is a free, online resource that offers video tutorials on a wide variety of subjects, including SAT prep, which is what this article will be focusing on.The resources they offer are video tutorials, personalized study recommendations, practice questions, quizzes, and eight full-length practice exams (which are also available on the College Board’s website).These resources were designed to help students identify the areas they need to improve on and give them targeted practice based on those recommendations. Because Khan Academy developed these resources with the College Board, you can be sure they are an accurate representation of what the actual SAT will cover.To learn more about Khan Academy and their test prep resources, check out our other Khan Academy guide which gives a complete introduction to this resource. How Can You Get Started With Khan Academy SATPrep? The following steps will help you get started using Khan Academy's test prep resources. #1: Set Up an Account If you haven’t used Khan Academy before, the first thing you want to do is go to their website and create an account. You’ll need an account to access their resources and track your progress.Signing up for an account is simple and requires your name, e-mail, and birthdate. After you’ve created your account, you can choose which subject you want to study. In your case, this would be Test Prep, and you can choose to study for the new SAT or the PSAT/NMSQT.If you choose to study for the new SAT, you’ll be given two options for your next step: send your PSAT scores to Khan Academy or take a diagnostic quiz. #2: Import Your PSAT Scores If you have already taken the PSAT, you can have your scores uploaded to your Khan Academy account.You do this by signing into your College Board account (Khan Academy will take you directly to the site) and giving the College Board permission to send your PSAT scores to Khan Academy. Khan Academy will then use your PSAT scores to give you personalized study recommendations for the SAT.If you haven’t taken the PSAT yet or don’t have your scores, that’s no problem, just read the next section. #3: Take Diagnostic Quizzes If you don’t have PSAT scores to upload, then you can still get your personalized study recommendations by taking diagnostic quizzes. There are eight diagnostic quizzes, four in Math, and four for Reading and Writing (two in Reading and two in Writing and Language). Choose which quiz you want to take first. The quizzes are short, only about 5-10 questions each.If you ever don’t know how to answer a question, you can select the option, â€Å"I would be guessing† so that Khan Academy knows you need to work on that topic. After you complete a quiz, you’ll immediately learn which questions you answered correctly and be given a skill level for each of the topics you were tested on. The higher your skill level, the better you understand that concept. If you get the majority of questions for a topic correct, you will be assigned Skill Level 3. If you get the majority of questions incorrect, you will be assigned Skill Level 2 for that topic. Khan Academy is still working on resources for Skill Level 1, so you won’t be assigned that level, and you can only reach Skill Level 4 after using some of their resources and showing improvement on future quizzes. #4: Next Steps After you finish either the four quizzes for Math or the four quizzes for Reading and Writingyou will be given an overall skill level for that area and recommended practice questions and video tutorials based on the subjects you need to practice the most. As you review each topic, you’ll do exercises designed to help raise your skill level in that topic. These exercises include practice questions, videos, and timed quizzes. Once you reach Skill Level 4, you can assume you have a solid knowledge of that particular subject. You can also easily choose a particular subject to review because each section has a list of all the subject areas it tests, and for each there are practice problems and videos (usually with both easier and harder examples). Want to learn more about the SAT but tired of reading blog articles? Then you'll love our free, SAT prep livestreams. Designed and led by PrepScholar SAT experts, these live video events are a great resource for students and parents looking to learn more about the SAT and SAT prep. Click on the button below to register for one of our livestreams today! Following certain steps can help make Khan Academy much more helpful. What Is Khan Academy SATPrep Best For? Now that you know how to get started with Khan Academy, how can you get the most out of it? Khan Academy can be a helpful resource, but there are certain areas that it’s best for and other areas where you’d be better off using other resources. Read the next two sections to learn how to use Khan Academy to your best advantage. Strength 1: Specific Study Recommendations Khan Academy’s test prep resources can help you if you aren’t sure how to begin your SAT prep or you aren’t sure what to study.After taking the diagnostic quizzes or uploading your PSAT scores, Khan Academy will give you personalized study recommendations. These recommendations are based on the skills you need to focus your studying on the most, and each time you log in, there will be new recommendations for you.In this way, Khan Academy provides some structure for you to base your study plan around. This can be particularly helpful for students who don’t know anything about test prep or feel overwhelmed by it. Khan Academy will break it down and walk you through the process. Strength 2:In-Depth Ways to Solve Problems If you’re struggling to understand a certain topic and reading explanations isn’t cutting it, then Khan Academy’s video tutorials may help you.Khan Academy is known for their videos, which break down problems step-by-step. For SAT prep, they have video tutorials for each topic the SAT tests. For example, they have videos on more than 20 different grammar topics alone. These videos typically range from 2-10 minutes long, and they involve Sal Khan (the founder of Khan Academy) working through each step of a sample problem. Most topics have videos for both a basic example and a more challenging example. For some people, being able to see and hear someone work through a problem can make a significant difference in how well they understand the concept.You can also watch these videos as many times as you need to for the information to sink in. Strength 3: Drilling Certain Skills Because Khan Academy's resources are clearly organized by specific topic, you can easily use them to drill yourself on a particular skill or topic you want to strengthen. For example, if you need to improve your knowledge of, say, linear functions,you can find that topic in Khan Academy's resources, then watch videos and complete practice problems that focus specifically on that area. This is a more focused and effective method of studying specific skills than just completing an entire practice test would be, so it'll save you time and help you strengthen that skill faster. Strength 4:Official Resources As I mentioned above, since Khan Academy developed these resources with the College Board (the designer of the SAT), their resources are considered official.This means you can be certain that they give an accurate representation of what the SAT will be like and what topics it will test. Some lower-quality test companies provide prep materials that aren’t always an accurate representation of the SAT. They may ask questions on topics the real SAT doesn’t, ignore important subjects the SAT covers, or ask questions in a way the SAT never would. When you’re preparing for the SAT, the more accurate your prep materials are, the more they’ll help you, and Khan Academy offers high-quality resources.Using official prep resources can be particularly helpful if you’re just beginning to study for the SAT and don’t have a solid knowledge of the test yet. Once you’ve studied the test more, you’ll begin to be able to identify when unofficial prep resources deviate from the actual exam. What Is Khan Academy Test Prep Not as Good For? We have an entire guide that explains why you shouldn't onlyuse Khan Academy's resources for your SAT prep, but here is an overview of three of their most important shortcomings. For each weakness, an alternative resource is suggested. Weakness 1: Test Strategies As we mentioned above, Khan Academy’s resources are considered â€Å"official† because they were developed with the College Board.While this means they accurately represent the SAT, because Khan Academy is working with the College Board, they won’t provide tips and strategies forthe SAT that can help boost your score.This is probably the biggest drawback of using Khan Academy. Khan Academy explains how to answer specific questions in a very in-depth way, but they don’t include a lot of information on general trends of the test, such as which subjects the SAT has more questions on, ways the SAT can try and trick you, and patterns test makers follow when they develop questions. They also don’t give students strategies to follow when they take the test, such as when to skip questions, how to tackle Reading passages, or time-saving tricks to solving math problems.Knowing this information can really help you improve your SAT score and feel more confident about the test. ALTERNATIVE: Look for non-official prep resources to get this information. To get you started, we have a ton of information on the SAT, including guides specifically for the Math, Reading, and Writing and Language sections. Weakness 2: Variety of Lessons Khan Academy offers some high-quality video lessons, but there is very little variety in the way they cover information. Each video lesson consists of explaining an example problem. While this can be very helpful, there are no lessons just on covering general topics, such as a lesson that explains how to solve linear equations or one that explains basic grammar principles. Seeing practice problems explained step-by-step is definitely helpful, but, for many people, they’ll need more information and guidance when learning topics they don’t know much about or have trouble understanding.Khan Academy doesn’t have videos like these under test prep; you would have to look through theirother resources to try and find videos that focused on the topic you're trying to learn. Only using the test prep video lessons Khan Academy offers may mean you don’t get enough preparation for the SAT because you’re only learning how to answer specific problems, not the basic concepts behind those problems. ALTERNATIVE: It’s great to use Khan Academy’s resources, but you should supplement them with additional lessons. You could buy an SAT prep book with practice questions, or you can check out some other online resources. Weakness 3:Realistic Practice Test Experience Practicing for the SAT under realistic test conditions is important because it helps you feel more prepared for the real exam and spot potential weaknesses, like time management issues, that you wouldn't have otherwise noticed if you weren't answering practice questions under conditions similar to those of the real exam. While Khan Academy offers practice questions, quizzes, and full-length tests, using their resources will not always give you the most accurate testing experience for three reasons: Typically Only Test a Few Questions at a Time While Khan Academy does offer the eight official full-length practice tests that you can take in one sitting, most of the time you will only answer about 5-10 questions at a time. The real SAT is long, and if you only answer questions in short quizzes, you won’t know how you hold up during a 3-4 hour long exam. You may know all the content but get exhausted after 2 hours and make silly mistakes. Taking full-length practice tests lets you know how long tests affect you and also builds up your endurance. If you haven't beentaking complete practice tests, taking the entire SAT at once can be an exhausting experience. Questions Are Answered Online A smaller, but still important issue, is that, unless you choose to print out the exams Khan Academy offers, you will be taking them online, which is not how you will take the actual SAT (which is always taken with pencil and paper). Only taking practice SATs on a computer may mean you get tripped up on test day because you discoveryou’re slower at answering questions on paper and run out of time on a section. Questions Are Mostly Untimed The majority of practice questions you answer on Khan Academy are untimed, giving you as much time to work on them as you want.While this may be helpful if you’re just starting out and taking your time to put new knowledgeinto practice, timing is a huge component of the SAT, and if you get used to taking all the time you need, you could end up burned on the real exam when you run out of time midway through a section. ALTERNATIVE: Take at least a few practice tests on paper, and take the entire test at once, under real test conditions. We have a bunch of free and official practice exams you can print out and take (these are the same official practice tests found on Khan Academy and the College Board's website), as well as a guide that will explain how to make your practice tests as realistic as possible. Tipsfor Getting the Most Out of Khan Academy Now you know the strengths and weaknesses of Khan Academy’s SAT study material. Use the followingfour tipsto get the most out of their resources and raise your score more quickly and efficiently. Tip 1: Upload Your PSAT Scores or Take the Diagnostic Quizzes First While it may be tempting to start right away with video lessons or a few practice questions, the best way to start using Khan Academy is to give them a baseline of your strengths and weaknesses, either by uploading your PSAT scores or taking the diagnostic quizzes. Doing this at the beginning will allow you to see which areas you need to improve in the most in, and it will also allow you to track your skill level in each area and see how much you improve. Even if you don’t plan to follow all of Khan Academy’s suggestions, having them available can be helpful down the line if you don’t know what to study next or want to know how much progress you’ve made in a subject. Tip 2: Work Through a Few Subjects and See Which Methods and Resources Are Most Helpful Khan Academy offers several different types of prep resources, and you should try multiple methods to see which helps you learn best.For example, if you’re looking to improve your math skills, for one subject you could go straight to the practice problems, for anotheryou could watch the video tutorials first, and for a third subject you could go back and forth between videos and practice problems. See which method you learn the most from, then use that method the majority of the time as you continue studying. Tip 3: Use Practice Tests Wisely The eight full-length exams (also available on the College Board’s website), are currently the only official practice exams available for the revised SAT. While there are unofficial exams available, official exams are the best to use because they give you the most accurate representation of what the actual SAT will be like. Therefore, you’ll want to use these practice exams carefully. Don’t just take them all at once; spread them out over the course of your studying. Also, take them under official testing conditions. If you take the tests online, Khan Academy times each section of the practice exams to make themmore realistic, but they also offer you the choice to stop after each section and review your answers. We don’t recommend you do this; instead, take the test all the way through as you will for the actual SAT in order to see if your score changes after several hours of testing. Tip 4: Supplement With Other Resources As mentioned above, Khan Academy offers some high-quality resources, but there are some areas they’re not as strong in as others. Use other resources to learn about tricks of the SAT, identify patterns test makers use when developing questions, and to answer additional practice questions. To get you started, check out our guide to other online SAT prep resources. Summary The College Board’s decision to partner with Khan Academy and offer free SAT prep resources has benefits for many students. Anyone can create a Khan Academy account and make use of their video tutorials, personalized study recommendations, practice questions, quizzes, and full-length exams. Because they offer a study plan and recommendations for what you should be working on, Khan Academy’s resources are best for students who aren’t sure how to begin their SAT prep or don’t know which areas they need to focus on. The materials can also be particularly useful if you are more of a visual learner and make use of the videos that explain example problems step-by-step. Khan Academy’s SAT prep resources are not as good at providing a totally realistic testing experience or teaching students the tricks and patterns test makers use, so you will still want to supplement your study with other resources. To get the most out of Khan Academy’s resources, we recommend you upload your PSAT scores or take the diagnostic quizzes in order to learn which areas you need to study the most, make use of their multiple resources to see which study methods work best for you, and take the full-length exams underrealistic testing conditions and spread out over the period you are studying. What's Next? Interested in more information on Khan Academy and why they've decided to offer free SAT prep material? Check out this guide to learn all about Khan Academy and their SAT resources. Wondering when you can take the SAT? Our guide explainsall the upcoming SAT test datesso you can start planning. Want to use your PSAT results for Khan Academy but aren't sure how to get your PSAT scores? Learn how to get your PSAT score report. Want to improve your SAT score by 160 points? We have the industry's leading SAT prep program. Built by Harvard grads and SAT full scorers, the program learns your strengths and weaknesses through advanced statistics, then customizes your prep program to you so you get the most effective prep possible. Check out our 5-day free trial today:

Saturday, October 19, 2019

A Rose for Emily Assignment Example | Topics and Well Written Essays - 750 words - 2

A Rose for Emily - Assignment Example From this essay declares that  the last paragraph contributes to the understanding of Emily’s necromancy and it is important that it comes at the end to make the reader look at differently and as the victim she plays all along. Knowing the use of the arsenic earlier would result in less suspense in the story.  The presence of a smell that disturbs the neighbors right after the disappearance of Emily’s sweetheart after he was seen entering the house, use of lime to conceal the smell, and that Barron was never seen again foreshadow the conclusion of the story.This discussion stresses that the order of events as told in the story do not follow a chronological order as they happened resulting in interest and suspense like the purchase of arsenic gives the reader the urge to know what its purpose was and if Homer was never seen again, what happened to him. Gothic elements including the decayed corpse, imposing decrepit house, and horrors connected with Emily add suspense and drama to the story and makes readers have doubts and develop a creepy atmosphere with tension and suspense and that anything is possible. The gothic elements allow for Emily’s murder to remain undiscovered and believable a fact that could not be achieved by other styles. These elements establish the atmosphere and set the mood for the event in the story to unfold with the reader expecting events to be creepy and mystical.

Friday, October 18, 2019

Requirements For Effective Business Writing Essay

Requirements For Effective Business Writing - Essay Example Conciseness refers to the ability of a person to use necessary and summarized words to address a particular problem. This element is mandatory in business writing. In addition, the audience intended for a piece of information dictates the form of conciseness that may be used by the writer. When writing to managers one should be as concise as possible. In addition, one should ensure the summary of their words addresses effectively the intent of the information provided. However, conciseness may be limited when relaying information to fellow employees. Additionally, the information may include instructions and details must be included. Information provided to the authority is mostly requests and recommendations which should be concise and necessary. For example, when addressing my department head the body of my letter may just include, â€Å"Kindly note that there is a deficit in the finances provided to enable my project competition. Kindly consider increasing the financial contribut ion†. The connection between the intended audience and the organization in business writing bear similar significance. In the organization setting, there is a large quantity of information conveyed on a daily basis. For instance, memos are addressed to specific audiences in the organization to which the information is relevant. In addition, the person from whom a message is from should be included. The provision of information to authoritative should be addressed with titles. For instance, I may write.

The Greater Freedom Essay Example | Topics and Well Written Essays - 1000 words - 1

The Greater Freedom - Essay Example To begin with, the influence of the political class on judicial proceedings will be limited or completely prohibited. This is because politicians often threaten fair administration of justice, hence hindering citizen from airing grievances. The judiciary is thus not autonomous, and prevalence of justice is sabotaged. Secondly, the government will be held accountable through democratic platforms. This would be essential in promoting media freedom in covering proceedings of government business in parliament, and the experts airing views on governance. Lack of questioning or critique of the government breeds corruption and other dubious deals whose burden and effects are borne by the citizens. Thirdly, it will be beneficial to carry over the freedom of rights article from the First Amendment to the new nation, which includes speech, religion, petition, peaceful assembly, and free press. This is because the amendment was made at a time when the United States was experiencing a lot of turbulence due to the then government’s discrimination against those who defied its rulings no matter how weird they were. It was during this period that the people were allowed to be affiliated with their religious groups of choice, and speak freely unless in the case of slander or malice. However, this freedom of expression will be under certain limitations that will include obscenity, advertisement of harmful substances, offensive symbolic expressions, and inappropriate music.America is a technological hub.

Porters Five of ASDA Essay Example | Topics and Well Written Essays - 500 words

Porters Five of ASDA - Essay Example Nevertheless Porter claims that competitive rivalry is one of the most important issues, which should be considered by the businesses. In the face of the threat of new entrants, every company is subjected to the external risks. There is a need for huge financial investments to develop a successful chain store. There are many challenges in retail market and a new entrant demands something more, radically new which will attract the customers. Key retailers depend on their brand names and are highly concerned about their reputation. Very often retailers depend on the market shares and it is appropriate for them to decide whether they use appropriate measures or not. Morever, retailers are concerned about possible methods, such as litigation, for example. It is very important to compensate market share knowledge and very often foreign investors are a certain barrier to new entrants. It is impossible to substitute food and clothes. Therefore, the threat of substitutes is relatively low. It should be mentioned that the main threat should be expected from the main brand names of chain stores, Sainsbury, Tesco and Morrison. These chain stores provide less affordable alternatives and the threat of substitutes is relatively high. Tesco is the main rival to the company and Asda demands lower prices and intensifies price war. Asda demands lower prices and creates a certain trap for the suppliers thus triggering price war. The challenges of price competitors make suppliers decrease prices. Asda reduces prices and it attracts customers by affordable prices. More than 3000 products are very intriguing and appealing in the modern market. It is relevant of this chain stores to implement strategies of online advertising, products promotion, emails and letters. There are many customers which can communicate online with respect to some products.

Thursday, October 17, 2019

Assignment Essay Example | Topics and Well Written Essays - 500 words - 26

Assignment - Essay Example I for instance understand the importance of the type of communication to be made in writing. This is because of existence of different types of written communications that requires different approaches, formats, and formalities. A written communication also has to exhibit a high level of clarity to ensure efficient and effective message delivery to the recipient. This is because a clear message relieves the audience of possible strains in decoding and understanding the message and reduces chances of the message being neglected by the recipient. My skills in written communication also include the knowledge that such communications should be as short as possible to facilitate clarity of message. A written communication should also have an appropriate tone that considers the audience, and should be free from mistakes. An example of a written communication is in communication of an organization’s financial position to a potential investor (Guffey and Loewy, 2012). The program has similarly developed my ability to work as a team player, a factor that will allow me to fit into the accounting department that heavily relies on teamwork. I am particularly able to convey a given piece of information with a high level of clarity in expression. I have also developed good listening ability that allows me to receive communications from people, to understand them, and to respond to their needs appropriately. These facilitate interpersonal relationships towards team building and successful teamwork. I have similarly learnt to develop a positive attitude to any situation that may arise during interactions with team members. Such a positive attitude helps in managing identified weaknesses among other team members and develops trust towards a cohesive team. Similarly, I have developed patience and the ability to interact with people. While I developed these through practice during the course, their applications have demonstrated

The films Juno and American Beauty Essay Example | Topics and Well Written Essays - 1000 words

The films Juno and American Beauty - Essay Example The girl Juno here is a 16 year old female, who gets pregnant by her classmate Paulie and both plans to abort the baby. Juno is a girl with carefree attitude and does not care about what other people think about her. Juno in her tender age is ignorant about pregnancy and issue related to it and this quote confirms it. Juno MacGuff: I don't know, I drank like, ten gallons of Sunny D... I'm telling you I'm pregnant and you're acting shockingly caviler. Leah: Is this for real? Later by the influence of her friend she changes her mind and plans with Paulie to give the baby for adoption for this she gets the support from her parents. Juno with her friend Leah finds a couple to adopt the baby and the film later shows the Juno’s experience with the pregnancy and the emotional struggle associated with it. Long before the birth of the baby, Juno also confesses her love for Paulie. Also Paulie accepts the love for Juno and soon after she delivers a baby boy. In the meanwhile, the couple who about to adopt the baby faces a marriage breakdown. In the end of the movie, Vanessa (Single mother) who is supposed to adopt the baby accepts the baby and Juno and Paulie are shown to be passionately in love. The Movie American Beauty This movie American beauty explains the life of Lester who is writer in a magazine who dislikes his job. His wife Carolyn is a rude character, and their daughter Jane despises her parents. â€Å"Carolyn Burnham: Are you trying to look unattractive? Jane Burnham: Yes. Carolyn Burnham: Well, congratulations. You've succeeded admirably†. These dialoged shows the hostile relationship held by the mother and the daughter. Lester has a neighbor who is a colonel accompanied by his less social wife and a drug addicted son Ricky. The Lester’s daughter Jane is in love with Ricky and wants to extend her relation with him. Lester on the other hand is deep down inside depressed and wants a person to share his feelings. Meanwhile he gets in touch with Jane’s friend Angela and gets infatuated with her. Lester begins to experience sexual fantasies about Angela wherein red roses are surrounded by Him. On the other side, Carolyn his having an affair with her business counterpart Buddy. Later Lester finds out about his wife’s extra -marital affair but reacts indifferently. Jane in the later part of the movie gets involved with Ricky and Lester too gets friendly with Angela. In between all this Lester gets marijuana from Ricky and uses it and tries to sexually encounter Angela and finds that she is virgin and backs out. The father of Ricky accidently sees Lester nudely exercising and his son watching it, and concludes they r gay mates. Colonel rushes to Lester home and shoot him to death. Comparison between Juno and American Beauty The movie Juno and American beauty is both centered on teenagers and their romantic life and sexual activities. The movie is basically about the culture of teenagers in American and how th ey lead an unorganized and indisciplined life as this quoted depicts it. â€Å"Angela Hayes: Jane, he's a freak! Jane Burnham: Then so am I! And we'll always be freaks and we'll never be like other people and you'll never be a freak because you're just too... perfect! â€Å"Both these movies show to the viewers that the sexual life of American teenagers is active at an early stage. The movies also display the marriage failure happening in American society and how fragile relationship is. According to (Sarris) â€Å"In American Beauty ,Kevin Spacey plays Lester Burnham, a man in his mid-40s going through an intense midlife crisis; he's grown cynical and is convinced that he has no reason to go on†Both the movies also show the emotional struggle undergone by teenage and adults of America. The movie Juno has an anti –

Wednesday, October 16, 2019

Assignment Essay Example | Topics and Well Written Essays - 500 words - 26

Assignment - Essay Example I for instance understand the importance of the type of communication to be made in writing. This is because of existence of different types of written communications that requires different approaches, formats, and formalities. A written communication also has to exhibit a high level of clarity to ensure efficient and effective message delivery to the recipient. This is because a clear message relieves the audience of possible strains in decoding and understanding the message and reduces chances of the message being neglected by the recipient. My skills in written communication also include the knowledge that such communications should be as short as possible to facilitate clarity of message. A written communication should also have an appropriate tone that considers the audience, and should be free from mistakes. An example of a written communication is in communication of an organization’s financial position to a potential investor (Guffey and Loewy, 2012). The program has similarly developed my ability to work as a team player, a factor that will allow me to fit into the accounting department that heavily relies on teamwork. I am particularly able to convey a given piece of information with a high level of clarity in expression. I have also developed good listening ability that allows me to receive communications from people, to understand them, and to respond to their needs appropriately. These facilitate interpersonal relationships towards team building and successful teamwork. I have similarly learnt to develop a positive attitude to any situation that may arise during interactions with team members. Such a positive attitude helps in managing identified weaknesses among other team members and develops trust towards a cohesive team. Similarly, I have developed patience and the ability to interact with people. While I developed these through practice during the course, their applications have demonstrated

Tuesday, October 15, 2019

Political Philosophy and National Integration Essay Example for Free

Political Philosophy and National Integration Essay 1. Central Quotation â€Å"National integration is partly a by-product of other social and economic developments, partly the result of deliberate government policies.† (Birch, 36) 2. Argument In this text Birch gives a historical overview of national integration process. He discusses different attitudes towards assimilation of minorities that existed in North America and Europe. Before 1960s that it was current believe that national integration could be challenged by the existence of different ethnic groups within the borders of the country and assimilation was desirable. After 1960 however, this attitudes has changed in favour of social pluralism. Birch also presents patterns, which describes common practices of national integration. 3. Question The question raised in this text is â€Å"Whether the process of national integration must be accompanied by wholly or partial assimilation of minorities?† Birch describes both negative and positive effects, which social, economic and political integration of minor ethnic and cultural groups could have on building a sense of nationhood. His argumentation is based on contradictory assertions. One argument is in favour of social homogeneity i.e. stresses the importance of common language and feeling of unity among people for development of democratic institutions. In the same time author mention several scientific works that question the assumption that further integration is required for establishment of representative democracy. 4. Experiential Connection Even thou I grew up in Sweden, I have a lot of friends with different ethnic origin who lives there, mostly 1st or 2nd generation immigrants. All of them had a chance, upon their own will to learn Swedish free of charge as soon as they arrived. That was the part of integration programme established by government in order to facilitate immigration process. That makes it easier for immigrants to interact with local citizens, get the jobs and thus contribute to social, political and economic development of the country. 5. Textual Connection. Birch’s argumentation is quite similar to Will Kymlicka’sagrument in the text â€Å"Western political theory and ethnic relations in eastern Europe†. As well as Birch, Kymlicka stresses that attitudes toward ethnic minorities among democratic liberals in West had changed since 1960 and multiculturalism become more acceptable (Kymlicka, s. 33). Kymlicka focuses on different ethnic groups and describes assimilation attempts made by governments towards these groups. He also emphasizes the importance of different governmental policies that determines integration process (Kymlicka, s. 42). 6. Implications. This text analyses the different ways in which minor groups can be merged into national societies and poses the question of whether national integration is a positive or a negative process. This question must be answered by citizens and representative governments in every country before there will be taken any further action toward national integration or disintegration. I think government have to consider prior experience of integration of minorities in different countries to choose appropriated policies for the particular county. This can be done throughout case studies and with help of patterns of integration drawn up by theorists and scientists.