Fahrenheit 451 by Ray Bradbury :: Ray Bradburys Fahrenheit 451

Fahrenheit 451Fahrenheit 451 is a sign of warning to todays society to look upon the problems for a realistic solution. It was about a society that frowned on curiosity and outlawed books. The story was mainly about Guy Montag who burned books for a living. The mood of this story is set with Montag and his wife, Mildreds, mixed relationship. They striket agree on anything and never communicate. They are entirely different from one another because of the influence of society.Montag was having what he thought to be great life, until he met Clarisse McClellan. Clarisse was their seventeen-year-old next door neighbor who was raised to ask why and how. When she met Montag, she changed him by making him think about things he never gave thought to before. Clarisse asked Montag if he was in truth happy about his life, and when he thought about Clarisses question, he realized that he really wasnt happy. Montag brought about that everything in his life was fictional and that he couldnt tru st anyone, so he worked to improve his relationship with his wife. He became interested in books, which made him against the new society. From there on amend his life was what became his first concern. Mildred was an odd woman who was literally brainwashed by society. Mildred had no idea what she would do or why she would do it. She once took so many forty winksing pills that she about died, but in the morning denied everything that happened. She was a pill popping, suicidal snob who was obsessed with material things. Mildred preferred the connection of her parlor-walls and seashell radios than the company of Montag. The TV walls were called parlor-walls and Mildred referred to the people on TV as her parlor-family. She was with them most of the time and had nothing else to do all day. The society in which they live in apply mind-controlling devices to command all the citizens and Mildred was one of them. This had an immense impact on Montag and Mildreds relationship.Montag and Mildred do not have an ideal relationship. Montag felt as if they did not sleep in the same bed, and at times, she seemed uncomfortable in his presence. This was made clear when Montag says they are like a winter island separated by an empty sea, (Page 41.) Montag and Mildred almost never communicate with each other.

Elements of Western, Comedy and Thriller in Jarmusch’s Film Dead Man :: Movie Film Essays

Elements of Western, frivolity and Thriller in Jarmuschs Film out of work manReleased in 1995, the take in Dead Man is set in the West in the latter half of the 19th century. The film is a genre-combining work. Although Dead Man is a Western, it brings in many elements from the Comedy and the Thriller. The movie is set in the west, yet the audience finds themselves laughing at many bizarre incidents as well as anticipating what will happen to Blake next. The film is a Western in many ways, but is also a satire of the genre. First of all, the character Nobody is a Native American. This is common to Westerns, however, the repose of his character is not. While Indians in Westerns are usually savages, Nobody was educated in England and only interested in helping the protagonist. Also, Blake arrives in town alone. Heroes in Westerns have typically been loners. However, Blakes character is not much of a hero as he does not demonstrate many characteristics commonly associated with her oism. He is not courageous, fighting some evil or bad presence, or have some sort of special skills. When walking through, the town is established as a lawless place. For example, Blake and the audience see a woman performing oral sex on a man in public. This lawlessness is judge in the West. However, this specific incident is also satirical of the genre as Westerns would not normally show such a vulgar act.During the course of Dead Man, Jarmusch uses some scenes to create a Thriller-like tension. For example, in the first scene, when Blake is traveling, many interesting passengers ride along with him on the train. The train managing director sits across from Blake and warns him of his destination, the town of Machine. The conductor tells Blake that Machine is the end of the line. These are very ominous words. The conductor also states that Blake is likely to find his grave there. A gunshot is then fired. These are actions and talks not regular to Westerns. This scene brings to De ad Man the element of suspense common to the Thriller. Throughout the film, the audience is also exposed to many different comical scenes. Many situations and even dialogue are humorous. For example, one of the three killers sleeps with a Teddy Bear. Additionally, Nobody calls Blake a stupid fucking white man. This is funny stringently because it is not something that would be expected from his character.

Islamic Religion :: essays research papers

Todays Muslims are branded as terroristsor fudamentalist. But their religion is a low-spirited religion. Onthe Arabian Penninsula, home of the Arabs, was isoleatdand they were able to develop their civilization withoutoutside influences. It is about 1 million miles square, that islocated between the Red sea and the Persian Gulf. Thereare two distinctive regions. The first has well-wateredvalleys between mountains and the second is arid plainsand desert. Grass grows quickly during the showes of therainy season. In ancient multiplication the Arabs were bedouin(nomads that hersed sheep, goats, and camels. and lived intents made made of felt from camel or goat hair.) They atefresh or dried dates and drank milk from their herds. Onspecial occasions they ate mutlon. their tribes were made ofrelated families. They valued family ties becuase becausethey ensured they ensured protection and survival. Theyhad a chief (sheikh). The sheikh ruled as long as the tribeallowed him. They had a coun sil of elders. There was state of war over waterholes and pastures. Their way ofpunishment is an eye for sn eye and a tooth for a tooth. Toimprove warrior skills they had camel and horse. They hadstory telling in frount of the campfire. They had poetryabout battles, desert, camels, horses, and love. In 500A.D. they started a town called Makkah, which was fiftymiles inland of the Red sea. Trade was mostly of animalproducys for weopeans dates grains, spices, jewels ivory,silk, and perfumes. They had caravans travel there from asfor china. Arabs had and worshipped many ditied blood lineties were replaceing family ties, and old tribal laws were notadequat Byzantine and the Persin armies were threatining toconquer them. The tribes had the some language but theyhad no central goverment, or sense of unity, The Arabssearched for new beliefs. The prohet of Islam wasmuhammad. He was born(p) in Makkah in 570 A. D. . Hewas orphaned at an early age and was adopted by hisuncle. He worked as a c arovan leader on a trade route. Hewas know to be honest and able. His employer khadija ,aweakthy window if age 40, put him in charge of thisbusiness and proposed marriage to him. He went to a countermineoutside the city in 610 A.D. to pray and fast reveloution(vision) there. He was told to recite. "Recite in the name ofyour lord, the creator who created man from clots ofblood. Rwcite Your lord os the most grown one who bythe pen has taught mankind things they didnt know.

Teenage Violence In Schools Essay -- School Violence Essays

Page 1Teenage violence in schooltimes has become a rattling(a) concern to many people. School violence over the past number of years has been increasing and family life, the things that occur in schools and the neighborhoods that the teenagers (that commit the crimes or carmine acts) sleep with in are some of the major factors. These are not necessarily the only causes to teenage violence.Family Lifestyle and the behavior of members within the family concur been shown to have a direct affect on a teenagers behavior in school. A child potbelly be influenced very easily by any older person, especially a family member, because he always looks up to that family member. If a person in the family is involved in a criminal performance then the children can be turned on by this and become interested in doing the same thing. If the guardian or parent of a teenager does not punish him for doing something wrong, this can only lead to repetition of the bad behavior. Failure to stop a c hild from doing something wrong could lead the child to opine that his behavior is acceptable. Also, a child thinks that the people that are supposed to love him forefathert even care that he is doing something bad so he will continue to do it. Teenagers also commit acts of violence to pick out their parents attention. If parents ignore what their teenagers are doing, then the teenagers will continue to do more forbid things just to get their parents to notice them. Another reason why family lifestyle is a cause to teen violence is, if the teenager is abandoned at a young age than in that location is no one to teach him wrong and right (Kim 82).Page 2There are many different situations that can occur in school that can cause teenagers to do violent things. When a savant has an argument with other students or a teacher that student may only know how to deal his anger by striking out. Often, teenagers do not know how to talk things out and instead, react violently. If a teenager doesnt like what someone (a faculty member or another student) has said to him, he might also let out his anger in violent ways. Sometimes, even if the other person has not done anything wrong to him, but rather to another person he can still get angry (school violence).The neighborhood that a teenager lives in can also cause him to be violent. If a teen lives in a bad neighborhood, where violent acts are going on all the time (besides for w... ...omputers (Landau 81).Reducing or stopping teenage violence can be very difficult. But there are many ways to do it. One way is to stop the violence before by having in-school programs to teach students what is wrong and what is right (to the ones that really dont know). The schools can have classes to teach the parents good parenting skills, such as getting more involved with their childs schoolwork, programs and activities. Another idea is to have after school programs, just so the teenagers will not be out on the streets where they may be influenced to commit crimes or engage in violent activities. Rehabilitation programs are also a very good idea. Helping students become better kids (not doing violent things) does not only have to be done in school it can also be done outside of school, in synagogues, churches or programs in the local park. Family life, the things that occur in school and the neighborhoods that the teenagers live in are some of the Page 6major causes of teen violence in school. If the families, the schools (faculty) and the neighborhoods help these violent teenagers then in the emerging there wont be this problem anymore (or it will at least be reduced).

Learning to Speak: Reflections of a Learner in ENG 100 :: Essays Papers

Learning to Speak Reflections of a Learner in ENG 100This summer, after I was informed that I had been offered a teaching assistantship, I was terrified. I was not sure that I was capable of teaching students about a discipline in which I ease possessed such a conscious doubt of my own abilities. For most of my life I was what you might call a non-achiever. When my parents strongly suggested that I scratch in college (the other option being to leave the house) every unrivalled around me just sort of held their breath waiting for my inevitable failure. Then a strange amour happened. I passed my classes, and even enjoyed them. I had always wanted to be an English major. In high school it was the only class that I enjoyed. I love reading and writing about literature. There was something in the words of struggle and sadness that so many authors wrote about that gave my life meaning through a context of the joy and sorrow that are inextricably linked to living. Despite this, when it came time to choose a major in college, I steered clear of English, my thoughts alter with the intimidating associations of stodgy professors who deconstructed every sentence on a page, bantered using esoteric verbs, and deemed students the flawed population, and that they, erudite and pristine, were socially obligated to instill a division of their wisdom into these malleable minds of the nave, or just plain stupid. I did not want to willingly submit myself to a major where I sensed I would be subjected to daily criticism of my intelligence. Throughout college, I changed majors several times, each time considering English, but turning away for fear of failure. When I graduated, after a period of complete indecision, I decided that I was going back to school and getting a degree in English. This strange, motivating desire to possess an English degree consumed me, and I knew that I had to prove to myself that I was capable of earning this degree. I had to prove to my self that I could overcome this hurdle. It is funny how one obstacle can create in our minds this wall of fear. So much of life is learning to overcome a fear that often dictates our decisions, desires and dreams.

Learning to Speak: Reflections of a Learner in ENG 100 :: Essays Papers

Learning to Speak Reflections of a Learner in ENG 100This summer, after I was informed that I had been offered a belief assistantship, I was terrified. I was not sure that I was capable of teaching students about a discipline in which I still causeed much(prenominal) a conscious doubt of my own abilities. For most of my life I was what you might call a non-achiever. When my parents strongly suggested that I enroll in college (the other(a) option being to leave the house) everyone around me just sort of held their breath waiting for my inevitable failure. Then a strange thing happened. I passed my classes, and change surface en feeled them. I had always wanted to be an English major. In high school it was the only class that I enjoyed. I loved reading and penning about literature. There was something in the words of struggle and sadness that so many authors wrote about that gave my life meaning through a context of the joy and sorrow that are inextricably linked to livi ng. Despite this, when it came time to choose a major in college, I steered clear of English, my thoughts filled with the intimidating associations of moss-grown professors who deconstructed every sentence on a page, bantered using esoteric verbs, and deemed students the flawed population, and that they, erudite and pristine, were socially obligated to instill a fraction of their wisdom into these pliable minds of the nave, or just plain stupid. I did not want to willingly submit myself to a major where I perceived I would be subjected to daily criticism of my intelligence. Throughout college, I changed majors several times, each time considering English, but turning away for fear of failure. When I graduated, after a period of complete indecision, I decided that I was going back to school and getting a degree in English. This strange, motivating desire to possess an English degree consumed me, and I knew that I had to prove to myself that I was capable of earning this degree . I had to prove to myself that I could overcome this hurdle. It is funny how one obstacle weed create in our minds this wall of fear. So much of life is learning to overcome a fear that often dictates our decisions, desires and dreams.

Professionalism Essay

Professionalism is the graduation thing that is organism notice when you atomic number 18 in a imprintplace. Professionalism is defined as a doctor of characteristics and skills. Being in a medical health field, or in any business that requires interactions, professionalism is expected when operative with clients. For me, aside from having a profession which is I define as a job, professionalism for me is having all the positive attributes and expertise that you push aside use when you are in a work environment.Clients often see your professionalism first before they open up to you, some of them will treat you the way you treat them. Being respectful and treating others equally will make client feels that they are not being put aside. Show warm and friendliness toward the client will also make them feel comfortable and at ease with this emplacement clients will likely to open up to you and share their worries where you can address their worries and problems quickly.Appearance also play an important role in professionalism, having a gravid image will give the clients great impressions about you. When you say you work in a medical field, people will begin to think that its about cleanliness, with this in mind people will expect you to appear neat and clean. Your facial appearance and dress should reflect the professionalism it takes to do your job and be neat, and clean, and suitable for the workplace.Your appearances portray how professional you are, so wearing the right attire for a workplace is a must, this way clients will be more spontaneous to work with you. Skills are also a big part of being professionals. Employee now days seek employers that have a lot of skills that can be contributed to a workplace and make the workplace works easier and workloads lesser. Aside from being able to speak English well to communicate, organizational skill is one of the skills that being look upon from one person.Having the ability to prioritize tasks, distinguish ing tasks to be accomplished, and working excellently with co-worker to accomplished all the works in a work postal service will reduce the work in a busy office and keeping the flow of work at a pace that is not chaos. approximately work of an MOA in the office is being done in the computer. Computer skills, keyboarding skills, and having the knowledge of using the database that being used for billings and transcription will be your advantages when working in this field.Many hospitals and offices are now turning into computerized environment to reduce too much paper being put into a record. As a Medical office administrations professionals we should all have these characteristics and skills and most importantly we should do our job confidently. As long as we all have these things on us, our work as a Medical office administrator will be easier and we will be able to give our clients a better services and we can make our clients happier.

Performance Evaluation of a Private Bank

pic pic pic pic pic An Assignment On Performance Evaluation of a Private lodge IFIC commit as a semi clandestine patois in the private sector of Bangladesh. Prep bed For Narzia Florin Lecturer, Dept. of Business Administration Prepared By Saleh Ahmed BBA 02406160 24th GI Dept. of Business Administration Stamford University Bangladesh. leniency Date 15th May 2006 Letter of Transmittal Dated May 15, 2006 Narzia Florin Lecturer, Dept. of Business Administration Subject Submission of hatch on accomplishment evaluation of a private commercial bank. Dear Madam,It has been a great pleasure to submit the report on performance evaluation of a private commercial bank. You are aware that I conglomerateed information on a private commercial bank. I choose IFIC Bank for the report purpose. I am fortunate enough that I got all those information necessary for the assignment purpose. I believe that this assignment has given me a great see to it to me and it has enriched both my knowledge a nd experience. I tried my best to prove my skills speckle preparing this report. I cordially seek your kind advice or suggestion regarding my mistake which entrust help me in my practical and theoretical works in the days to come.Sincerely yours, Saleh Ahmed BBA 02406160 24th GI Table of Contents ? Executive Summary. ? Profile of IFIC Bank. ? BANKS tutel progress Quest for Excellence. ? The bank in a sketch. ? self-control Structure. ? Financial Position. ? Product & Services. ? Human Resources Development. ? Rates of Deposit Schemes. ? Conclusion. Executive Summary In this report on the Performance Evaluation of a private bank as IFIC bank, I collect the necessary information from its web site, catalog, bossier and personally by information collection.I represent that these private companies are rattling competitive and pauperism to capture the vast market of Bangladesh at any cost. So they contribute various types of result and armed helpings. I also found that the c ompanies counterattack their competitors by their offers. Some gives high or low interest rate, immature facilities etc Every company has their own dodging to capture the market. In my report I tried to include most of IFIC banks harvest-tide, services and facilities. Though I get hold of some limitations I tried my best to show the Performance Evaluation of IFIC bank as a private bank. BANKS MISSION Quest for ExcellenceOur Mission is to provide service to our clients with the help of a skilled and dedicated workforce whose fictive talents, innovative actions and competitive edge make our position unique in giving role service to all institutions and individuals that we care for. We are committed to the welfare and economic prosperity of the people and the community, for we drive from them our inspiration and drive for onward progress to prosperity. We want to be the leader among banks in Bangladesh and make our indelible mark as an active partner in regional banking operatin g beyond the national boundary.In an intensely competitive and complex financial and business environment, we particularly focus on emergence and profitability of all concerned. THE BANK IN A intimate International pay Investment and Commerce (IFIC) Bank Limited started banking operations on June 24, 1983. Prior to that it was set up in 1976 as a control stick venture pay company at the instance of the brass of the Peoples Republic of Bangladesh. Government then held 49 part shares while the sponsors and general public held the rest.The objectives of the finance company were to establish joint venture Banks Finance Companies and affiliates abroad and to carry out normal functions of a finance company at home. When the Government refractory to feed up banking in the private sector in 1983, the above finance company was converted into a full-fledged commercial Bank. Along with this, the Government also allowed four other commercial Banks in the private sector. Subsequently, t he Government denationalized two Banks, which were then fully Government-owned.While in all these Banks Government held token(a) 5 percent shares, an exception was made in the case of this Bank. It retained 40 percent shares of the Bank. The decision by the Government to retain 40 percent shares in IFIC Bank was in pursuance of the original objectives, namely, promotion of joint participation of Government and private sponsors to establish joint venture Banks, financial companies, branches and affiliates abroad. Ownership Structure BOARD OF DIRECTORS Board of Directors of the Bank is a unique combination of both private and Government sector experience.Currently it consists of Ten Directors. Of them five introduce the sponsors and general public and four senior officials in the rank and status of joint secretary/Additional Secretary represent the Government. Managing Director is the ex-officio Director of the Board. elective Directors Representing A Class Shareholders 01 Mr.Ma nzurul Islam prexy 02 Mr. Saiful Islam Director 03 Mr. Abul Matin Khan Director 04 Mr. Abdul Hamid Chowdhury Director 05 Mr. A. R.Malik Director Nominated Directors Representing B Class Shareholders (Government of Bangladesh) 06 Mr.Mohammad Janibul Huq Director 07 Mr. ATM Ataur Rahman Director 08 Dr. Chowdhury Saleh Ahmed Director 09 Mr. Md. Mokhles ur Rahman Director 10 Mr.Mashiur Rahman Managing Director Financial Position CAPITAL & RESERVES The bank started with an authorized capital of Tk. 100. 00 trillion in 1983. Paid-up capital was then Tk. 71. 50 jillion only. Over the last Twenty wholeness years, the authorized & paid-up capital has increased substantially. Authorized capital was Tk. 500. 00 million and the paid-up capital stood at Tk. 406. 39 million as on December 31, 2004. The Bank has built up a strong reserve base over the years. In last twenty one years its reserves and surplus have increased significantly.This consistent policy of buildin g up reserves has enabled the bank to maintain a let out capital adequacy ratio as compared to others. With the active support and guidance from the Government, the bank has been showing a steady and improved performance. In its twenty One years of operations, the bank has earned the status of a leading bank in terms of both business and good leave behind. Starting with a modest get of only Tk. 863. 40 million in 1983 the bank has closed its business with Tk. 20, 774. 49 million of deposit as on December 31, 2004.The annual growth rate has mostly been higher compared to both banking sector growth and individual growth rates achieved by others. As against a profit of Tk. 21. 94 million in 1984, the bank earned a record profit of Tk. 700. 25 million for the year ended on December 31, 2004. PRODUCT & SERVICES soon 5 (five) products/services have already been launched in the market A. Pension deliver Scheme (PSS) B. Monthly Income Scheme (MIS) C. Tele Banking / Tele striking D. Dea th Risk make Scheme (DRBS) E. Consumer Credit Scheme (CCS) A. Pension Saving Scheme (PSS) 1. shout out of the Scheme Pension Saving Scheme . Delivery Points 62 Branches 3. Highlight of the product Duration of the sum up 5 (five) years & 10 (ten) Years Monthly Installments Tk. 500 or Tk. 1000 or Tk. 2000 Payment after Maturity compensation AFTER MATURITY 5 YEARS 10 YEARS INSTALLMENT WITHOUT BONUS BONUS WITH BONUS WITHOUT BONUS BONUS WITH BONUS Tk. 00 36265/- 1500/- 37765/- 93050/- 3000/- 96050/- Tk. 1000 72530/- 3000/- 75530/- 186100/- 6000/- 192100/- Tk. 2000 145060/- 6000/- 151060/- 372200/- 12000/- 384200/- Eligibility for PSS explanation A person of 18 years of age and above having a sound mind provide be eligible to open an news report in his/her own name. Bonus PaymentIf the account holder, from commencement to maturity of term, pays all the monthly instalments in time (i. e. within 10th day of each month) and never defaults in paying(a) monthly installments, the account holder leave contact tautologic bonus payment equivalent to 3 (three) times of monthly installment for 5 years term and 6 (Six) times of monthly installment for 10 years term. Income Tax Rebate Under this Scheme, income appraise rebate go forth be available on the total amount payable i. e. after maturity of deposited amount such amount go forth also be income tax free.Monthly installments to PSS will also qualify for showing as investments (like provident fund) in yearly Income Tax Return. Payment of Pension One can receive the entire deposited amount with interest at a time or receive a pension on monthly basis at a desirable amount of monthly installments. B . Monthly Income Scheme (MIS) 1. Name of the Scheme Monthly Income Scheme. 2. Delivery Points 62 Branches. 3. Highlight of the product 4. Duration of the account 5 Years (Deposited principal amount will be returned on maturity). 6. Amount to be Deposited Tk. 50000/- and its multiple. 7.Payment after Maturi tyTk. 450/- and its multiple. Procedures for paying monthly income The payment of monthly income will start from the subsequent month after a clear minimal gap of 1 (one) month from the employment of deposit. If an account is opened on 7th of any month, monthly income will be paid on 7th of the subsequent month. The account holder will receive monthly income in any SB/CD account of same name well-kept with the branch. In case, the account holder does not have any SB/CD account with the Branch, he/she/they will have to open a SB/CD account for receiving the monthly income.The minimum relaxation requirement will be waived for these types of accounts for a new customer. However, a minimum initial deposit of Tk. 500/- will have to be deposited. This procedure will eliminate the hassle of coming to the Bank Branch for taking interest every month. Eligibility for Monthly Income Scheme A person of 18 years of age and above having a sound mind will be eligible to open an account in his/h er own name. A person can open to a greater extent than one account in his/her/their name in the same Branch or any Branch of the Bank. C. Tele Link/Tele Banking 1. Name of the Scheme Tele Link or Tele Banking. . Delivery Points Gulshan, Federation, Dhanmondi, Motijheel Branches. 3. Basic Features of the Product Phone Banking is a fast convenient and easy to use service that will complement ones lifestyle and financial backing one in complete control of his banking. One can addition all the Telelink services at any time, day or night, from anywhere. It is far more convenient than traditional banking. Telelink is really simple to use. One can just dial our phone number from anywhere and an automated computerized voice response will guide him step by steps finished his transactions. ConfidentialityA customer is given a 6 digit Registration Number when he applies for Telelink that will ensure total confidentiality of his account information. When the customer chooses to obtain spe cific information about his account, he will have to use his Registration Number and the confidential Personal Identification Number (PIN) by pressing the number keys on his phone. Banking Services Supported by Telelink A. Transactions Relating to Transfer of funds from one account to another B. Inquiries relating to account balances transaction details exchange rates interest rate information products and services remittancesC. Requests for balance certificates account statement 7-days withdrawal poster on accounts cheque books/pay order/drafts renewing or opening of fixed deposits assistance for opening other accounts In addition, the service can also deal with lost cheque books and credit cards, change of address and stopping of payment. Fees We are not charging any fees for this technical service but the facility has been offered to Saving Bank customers with a minimum balance of Tk. 50,000/-, to Current Deposit Account customers and STD customers with a minimum bala nce of Tk. 100, 000/-. D. Death Risk Benefit Scheme (DRBS) . Name of the Scheme Death Risk Benefit Scheme. 2. Delivery Points 62 Branches. 3. Basic Features of Scheme IFIC Banks Death Risk Benefit Scheme offers its nest egg Bank Account holders interest on savings, a lump sum amount and some peace of mind three in one benefits at no extra cost Benefits of Scheme Death Risk benefits in lump sum amount to nominee(s)/heir(s) on the death of an account holder. Eligibility Criteria Account must be maintained for a period of minimum yearly before the death of the account holder. At the time of death, the customer must have been within the age mathematical group of 18 to 50 years.The account must have been opened with a minimum deposit of Tk. 5000 in case of new accounts. (Since 1-8-97). Average balance of Tk. 10,000/- minimum must be maintained within one-year period prior to the death of the Account Holder. Extent of Benefit 50% of the average balances of the account for one-year peri od prior to the death of the account holder or Tk. 100,000 whichever is lower. Account balance exceeding Tk. 10, 00,000/- will not be taken into consideration while calculating average balance for one year for the purpose of Death Risk Benefit. E. Consumer Credit Scheme (CCS) 1.Name of the Scheme Consumer Credit Scheme. 2. Delivery Points 62 Branches. 3. Highlight of the product Main Features Particulars Selection Criteria / Who Can A Self employed person of fixed income $ a confirmed or permanent service holder. apply Products Eligible for Finance Vehicles, Domestic Appliance, Office Equipment, Entertainment, Medical Expenses, Intangibles, etc. Limit Range Tk. 15,000 to Tk. 7,00,000 Repayment By 12, 24, 36 or 48 equated monthly installments (EMI) depending on the loan amount. Interest Rate / Fees Interest 16. 00% P. A. ithoutany tangible security and 14. 50% P. A. where the loan is 100% secured with 20% margin against lien of FDR, MIS, PSS, Savings Certificates is sued from any Bank & Financial Institution. Service Charge For 1 and 2 Years term 2% of the Loan amount (minimum Tk. 00/-) For 3 Years term 3% of the Loan amount For 4 Years term 4% of the Loan amount. Down Payment / Equity Minimum 20% of the invoice value of the Consumer Products. role For Vehicles 30% to 40% in Cash / Financial instruments.. Q-cash Q-cash is a new service provided by the IFIC Bank. In this quick cash service system in that respect consumer can withdraw money easily in any time in exchange of a little yearly fee.This kind of services is very helpful for their current consumers and for their new consumers of their services. This kind of services is raising the living standard of people. For implementing this kind of new service we are grateful to IFIC Bank. HUMAN RESOURCES maturement Human Resources Development (HRD) activities aim at fulfilling the banks Mission. One of our four major missions is to Provide service to our clients with the help of a skilled and dedicated workforce whose creative talents, innovative actions and competitive edge make our position unique in iving quality service to all institutions and individuals that we care for. Skilled and dedicated workforce with creative talents, innovative actions are not always readily available. Appreciating the scarcity of such manpower, the bank from the very beginning laid importance to HRD that conceptually includes activities like pre-recruitment drill, recruitment, induction, nurture in the Academy, job rotation, placement & posting, reward and promotion. All these activities are planned by the bank in an integrated way aiming at manpower with require amount of technical, managerial, human and conceptual skills.Management of IFIC Bank not only appreciates the need of skills required for day to day banking but also realizes the need for skills to get a line the global & national financial and economic environments that are changing fast. Meeting the needs of n ew skills arising out of Financial Sector Reforms Programme (FSRP) is also a major concern of the management. The bank, therefore, set up a Division namely HRD Division below a separate Group called Services Group-I. The Academy of the bank works under this group.The other Division, which works under the Services Group-I, is Planning, Research & Statistics Division. Current News IFIC BANK JOINED SHARED ATM NETWORK IFIC Bank Ltd. and ITC Ltd. have signed a share ATM network participation accord. . The Signing ceremony was held in presence of Mr. Ataul Haq, Managing Director of IFIC Bank Limited and Mr. Kutubuddin Ahmed, Chairman of ITCL and President of BGMEA. Executives and senior officials of IFIC Bank were also present on the occasion. In the process, the bank has joined a group local bank for introduction of shared ATM network.Automated teller Machine (ATM) with electronic device located at the bank branches or other convenient public locations extends 24 hours access to cash a nd other banking facilities to the customers without requiring to enter the branch or to wait in queues for cash withdrawal. This will establish the banks commitment for valued customers to bring a new era in banking services. Under this new facility, IFIC Bank will install few ATMs at its branch premises in Dhaka city. Similarly, few more units of off site ATMs will also be installed in some prominent public places in the city by the syndicate partners.GROUP OPERATION-I Operations-I, a group segment of Head Office operation of the Bank mainly handles General Advance/ Credit Portfolio, Project finance excluding Overseas Operations of the Bank and Lease Financing. The Group is headed by Senior Executives having commendable professional knowledge and experience supported by a talent pool of MBAs, Engineers, Economists, and Statisticians etc. with the unify of credit experience. GROUP STRUCTURE A. Name of Group Executive/ In-Charge Mr. Md. Ziaul Bari, Executive Vice President B.Functi onal Structure The Group Comprises of 3 Divisions as under i) General Credit Division ii) Project Finance Division iii) Lease Financing Division C. Area of Operation i) General Credit Division a) imprimatur Department This department mainly handles Credit Portfolio of the Bank related to Working Capital and Trade Finance. Proposals of such nature are processed/appraised and disposed of by this department. The department is manned by a group of professionals from respective discipline with commendable banking experience as well as exposure in innovative concept and technology. ) Credit Administration Department The function of this department is to monitor credit portfolio of the Bank through and through physical inspection of various periodical returns, examine/Inspection Report etc. with a view to maintaining a healthy asset base of the Bank. c) Credit Information & Returns Department This department deals in forwardness of different periodical returns related to credit portfol io of the Bank for management information as well as for submission of information/data to Regulatory consistency and various controlling agencies.The department also centrally handles all jobs relating to Loan Classification of the Bank. d) Ancillary Functions The Group also handles various Loan Schemes for the employees of the Bank. ii) Project Finance Division Project Finance Division is a shared resource center of the Bank which provides back office support to the branches the marketing outlets of the Bank in their endeavor to meet the credit needs of the corporate clients.The Division helps the corporate clients in their decision making for undertaking venture project or BMRE of the alive projects. It also assist them to structure their long term and short term finance and to raise fund from own source of the Bank or through syndication with other Banks. In case of difficult business situation and unexpected low turnover vis-a-vis poor performance of the clients, the Divisi on offers customized solution through business and financial restructuring.The Division also provides counseling to the corporate clients for minimizing their business risks and optimizing growth in the context of rapid globalization. The Division so far financed 250 projects (New and BMRE) since 1996, major concentration being in textile sector both export oriented and backward linkage units. Other mentionable sectors are Steel and Engineering, Cement, Real Estate, Consumer Products, belief and Packaging, Hotels, Hospitals, Cold Storage etc. iii) Lease Finance DivisionTo assist bona-fide entrepreneurs acquire capital machinery and equipment increasing / up-grading productive capacity without trying up comeliness and to contribute to the industrial development of Bangladesh IFIC Bank Limited has introduced Lease Finance. For more please contact the Branches. RATES OF DEPOSIT SCHEMES Deposit Schemes Deposit Rates Savings (SB) 5. 0% Special Term Deposit (STD) 4. 00% Fixed De posit Rate of Interest Three Months 6. 75% 7. 50% Six Months 7. 00% 7. 5% One Year & above 7. 25% 8. 00% * Figure in LAC Taka Conclusion To prepare this report on Performance Evaluation of a private bank I collect information of many banks and finally select The IFIC bank to prepare this Performance Evaluation Report. For collecting information regarding different bank, I found that these private companies are very competitive and want to capture the vast market of Bangladesh at any cost.So they provide various types of product and services. I also found that the companies counterattack their competitors by their offers. Some gives high or low interest rate, new facilities etc Every company has their own strategy to capture the market. In my report I tried to include most of IFIC banks product, services and facilities. I tried to focus all their branches. In my opinion the bank provide many attractive facility to their customer but it should provide more service and produ ct to its customer and must easy on its customer on there services.

Treadway Tire Company Case Study

Introduction Treadway Tire Company, a major supplier of tires in trades union America, is experiencing high overthrow rates of foremen in their manufacturing plant in Lima, Ohio. Moral issues and dissatisfactions of line-foremen segment are infecting the entire plant. Background Lima plant employ 970 hourly employees and 150 salaried employees . It operates 24 hours a day, seven days a week, with four rotating shifts. Lately the plant is faced with variety of challenges due to the rising cost of raw materials. Problem High turnover and low productivity were due to stressful work environment, lack of training, morale and hiring problems.Foremen had too many responsibilities yet lack of authority and admire. Lack of communication inside the plant. Opportunities Lama Plant has a great opportunity to enhance work environment and upgrade workers skills to increase productivity. Recommendations Eliminate dissatisfaction by Reducing work hours, and go a periodic training program to upg rade personal skills and knowledge required. Guide foremen and hourly workers through different work process, so as to experience what their responsibilities are and were that fit in the companies overall picture. Develop better communication system between foremen, hourly workers and, managers. Then, managers should motivate foremen by showing them some respect and appreciation, allowing them more authority, and involving them in decisions regarding their subordinates. Conclusion Considering the recommendations above Lima plant will recognize a significant decrease in foremen turnover as salutary as increase in morale and it could become Treadways number one plant for productivity and its lowest cost producer in North America.

A Brief History of Starbucks Essay

In 1971, Starbucks opened its first store at Pike Street Market in Seattle, by three partners Zev Siegel, Jerry Baldwin and Gordon Bowker. Starbucks opened with the flavour of being a gourmet coffee bean retailer and coffee equipment seller. The Starbucks name and logo came from two influences a character named Starbuck in the classic book, Moby Dick, and a mining camp on the base of Mt. Rainier called Starbo. These two influences were merged to create Starbucks (Wikipedia, 2006). n 1982, entrepreneur and current chairman, Howard Schultz, joined the company.When Schultz joined the company, he cherished to miscellanea the companys focus away from in home coffee production and coffee bean retailing, to also include selling coffee drinks. Schultz wanted to create an Italian espresso bar atmosphere to the Starbucks Company. Siegel, Baldwin, and Bowker didnt like the idea, but in 1984 Schultz convinced the founders of Starbucks to test the coffee bar concept in a new location in downt own Seattle (Starbucks, 2003). In 1985, Schultz decided to leave the company and start his own Italian espresso inspired company called Il Giornale. In 1987, Schultz got backing from local investors and purchased Starbucks. Shultz then changed the name Starbucks to Starbucks Corporation (Starbucks, 2003). Today, Starbucks has more than 12,000 stores globally and more than 8,800 in the United States (Reuters, 2006). Starbucks Mission and ObjectivesMission StatementsStarbucks is different than many businesses they combine aggressive marketing strategies with corporate responsibility. Starbucks wants to be more than the worlds largest coffee shop chain, (Reuters, 2006)

Disease Trends and the Delivery of Health Care Servies Essay

INTRODUCTIONAmericans use wellness precaution function every day, and they use them for a deem of different reasons. Whether it is for preventing or curing illness, mending broken bones, delivering infants, or perhaps long term care in a nursing home there has been and forget always continue to be a consistent need for the health care industry. According to an article published by the National kernel for wellness Care Statistics, there are a number of different factors that determine how much health care people use, the various types of care that they use, and the quantify of care that they seek (Bernstein, Hing, Moss, Allen, Siller and Tiggle, 2003). These factors could include many an(prenominal) different variables however, for the purpose of this paper we will discuss how abbreviates much(prenominal) as the aging population, and the growing rate of obesity in America are likely to influence the delivery of health care services in the future.THE AGINING POPULATIONThe population of the United States on April 1, 2010 was 308.7 trillion people. This is according to an article regarding the 2010 Census report (Howden & Meyer, 2011). In the same article the age composition of the population is broken down. It shows that those aged infant to 18 accounted for 24.0 portion of the countrys population. In addition citizens between the ages of 18 and 44 represented 36.5 share, and those 45 to 64 made up 26.4 percent of the population. Finally, individuals aged 65 or aged(a) accounted for 13.0 percent of the United States population (Howden & Meyer, 2011).These numbers are expected to change significantly over the next few decades. More specifically, the older population which consists ofindividuals 65 or older is expected to grow rapidly. This expected proceeds is largely in part due to the generation known as the baby boomers. This concept is supported in another article published by the U.S. Census Bureau. It states, Between 2010 and 2050, the Unite d States is projected to experience rapid growth in its older population. In 2050, the number of Americans aged 65 and older is projected to be 88.5 million, more than double its projected population of 40.2 million in 2010. The baby boomers are largely responsible for this increase in the older population, as they will begin crossing into this category in 2011. (Vincent & Velkoff, 2010, para 2). In addition, there are other factors that support the population growing older. These factors include a decline in fertility rates, and an increase in the age of fair(a) life expectancy.It goes without saying that older generations have different medical needs then do younger generation. Furthermore, as the populations grows older there will be a greater require for health care services. According to a summary report published by the University of Albany it is estimated that 84 percent of people 65 or older are likely to suffer from at least one chronic medical context. Such conditions include cancer, heart distemper and diabetes to name a few (2006). Along with rising health care needs there will be a greater demand for ethical drug medications as well. In conjunction with these factors the need for long term care facilities will grow similarly. As we know already when there is a demand for something there must also be an adequate affix. There is great concern that as the population ages it is probable that the supply of health care services may not be enough. In the same summary published by the University of Albany it states, The expected growth of the older adult population in the U.S. over the next 50 years will have an unprecedented impact on the U.S. health care system, especially in terms of supply and demand for health care workers. The supply of health care workers may decrease as they age and large numbers retire and/or cut off their working hours. At the same time, older adults consume a disproportionately large share of American health care servi ces, so the demand for health services will grow. The aging population will also affect the nature of the skills and services the health care workforce must be equipped to provide, and the settings in which this care is provided.(2006, page 2) In addition, there will not just be a greater need for health care professionals much(prenominal) as psycians, nurses, research lab technicians and more. There will also be a large necessity for advancements in health care technologies and facilities.We know that there is zero that can be done to stop the process of aging itself however, there are measures that can be taken to reduce the health complications that are connect to aging. According to the Centers for disease Control and Prevention, a few opportunities to improve health and quality of life in older generations include promoting healthy lifestyle choices such as quitting smoking, and increasing the use of preventative services (2011).THE GROWING RATE OF OBESITYObesity is a dise ase that is associated with having an excess amount of body fat. It is condition that has been linked to a number of different medical issues including diabetes, high blood pressure, high cholesterol, and stroke to name a few. As reported by the Centers for Disease Control and Prevention, over one-third of the population is considered obese costing the United States an estimated $147 billion in 2008 (2013). Although the numbers are already astonishing they are just now expected to grow in the future. An article featured in the American Medical News predicts that if the obesity trends continue to rise by 2030 an estimated 50 percent of Americas men and 45 to 52 percent of its women will be obese (Henry, 2011). There are many factors that contribute to the growing trend of obesity. According to the U.S. Department of health and Human Services, the environment around us does not support healthy lifestyle habits (2012). This is because we live in a world with advanced technologies an d conveniences. With busy schedules it is often abstemious for people to give in to fast food or microwave dinners because they are quick and easy. It can also be difficult for people to get physical exercise because many neighborhoods around the country lack safe places for recreation, or affordable gyms (The U.S. Department of Health and Human Services, 2012).A few different demographic factors linked to the obesity trend include age, sex, and race. As mentioned previously, Americans spent as estimated $147 billion for health care services in 2008. This number is expected to grow substantiallyover time. One author wrote that the cost of obesity is expected to reach $344 billion by the year 2018 (Thorpe, n.d.). These numbers are outrages. In addition to the rising health care cost that stems from obesity we have to be concerned about the health complications that can come with the disease. Obesity has been linked to an insane number of health conditions including type II diabetes, high blood pressure, heart disease, stroke, osteoarthritis, some forms of cancer, sleep apnea and many more. There are steps that can be taken to prevent obesity, and the health issues that are associated with it. Eating healthy is vital, and not always as easy as it sounds. It can be so very easy to fall into food traps but we should focus our time and energy towards foods that are rich in nutrients and low in calories. These foods include lean meats and proteins, fruits and vegetables, and whole grains. It is also important to exercise on a regular basis. Exercises such as walking, swimming, or hurry are excellent. In addition, reversing the obesity epidemic in America is going to require a community effort. Schools, places of business, and government agencies should all be involved in this mission.CONCLUSIONAs our population ages, and obesity rates rise in America there is no doubt that the health care industry will need to adapt. These issues will require many advancements is medical technology, as well as a larger supplies of health care professionals including doctors, nurses, mental health providers, lab technicians, long term care providers, and administrators. The list could go on and on. Therefore, in the next few decades it will be important for the industry to recruit, and adequately crack new health care professionals as the baby boomer population nears retirement. Moving forward, it will also be important for the community, and not just the health care world, to implement new ways to encourage preventative care. This will require many different organizations to become involved, to the highest degree especially schools because the key to bar is education. If the younger generations are taught the healthy way to live, and if more parents lead by example the future of this country would in turn be much more healthy.The world of health care is ever changing, and there are many differenttrends that affect it. As the future rolls forward it will b e most interesting to see how health care professionals adapt to each trend.REFERNCESBernstein, A. B., Hing, E., Moss, A. J., Allen K. F., Siller A.B. & Tiggle R. B. (2003). Health Care in America Trends in Utilization. Hyattsville, MD National Center for Health Statistics. Retrieved from http//www.cdc.gov/nchs/data/misc/healthcare.pdf Centers for Disease Control and Prevention. (2011). Chronic Disease Prevention and Health Promotion. Retrieved from http//www.cdc.gov/chronicdisease/resources/publications/aag/aging.htm Centers for Disease Control and Prevention. (2013). Obesity and Overweight. Retrieved from http//www.cdc.gov/obesity/data/adult.html Henry, T. A. (2011). U.S. Obesity Rate judge to Reach 50% by 2030. Retrieved from http//www.amednews.com/article/20110912/health/309129951/4/ Howden, L. M., & Meyer, J. M. (2011). Age and Sex Composition 2010. 2010 Census Briefs. U.S. Census Bureau. Retrieved from http//www.census.gov/prod/cen2010/briefs/c2010br-03.pdf Thorpe, K. (n.d.). New information Shows Obesity Costs Will Grow to $344 Billion by 2018. Retrieved from http//www.fightchronicdisease.org/media-center/releases/new-data-shows-obesity-costs-will-grow-344-billion-2018 University of Albany. (2006). The Impact of the Aging Population on the Health Workforce in the United States compendious of Key Findings. Retrieved from http//www.albany.edu/news/pdf_files/impact_of_aging_excerpt.pdf U.S. Department of Health and Human Services. (2012). What Causes Overweight and Obesity?. Retrieved from http//www.nhlbi.nih.gov/health/health-topics/topics/obe/causes.html Vincet, G. K., & Velkoff, Victoria A. (2010). The Next Four Day Decades the Older Population in the United States 2010 to 2050 U.S. Census Bureau. Retrieved from http//www.census.gov/prod/2010pubs/p25-1138.pdf