Technological Innovations In The Banking Industry And Their Effects On Performance Finance Essay - Free Essay Example

CHAPTER 1 INTRODUCTION In recent times, the emergence of Information Technology has been incorporated into the Banking Industry. This advent of Information Technology (IT) has propelled a noticeable change in the Banking Sector. Information Technology (IT) to all computer based information systems used by an organisation and their underlying technologies (Langdon and Langdon, 2006) Information Technology systems are revolutionising the operations of firms, industries and markets. Langdon and Langdon also defined an IT system as a set of interrelated components that collect (or remove), process, store and distribute information to support decision making, coordination and control. It also helps managers and workers to analyse problems, visualise complex subjects and create new products. IT is one of the most important tools along with the innovations in organisations and management. Research has shown the investment in IT plays a critical role in increasing the productivity of firms (Zhu et a l, 2004 The business world is in the midst of a networking and communication revolutions driven by the growth of internet, internet based technologies, new business models and processes that leverage the new products. Banking Trends Worldwide Over the past decade, service organisations including commercial banks have been driven by such trends such as advancements in technology and deregulation to enhance their distribution channels. Technology in Banking can mainly be found in the form of computer based applications and information technology. Currently, delivery trends in banking include, PC Banking, Internet Banking, Mobile Banking, Managed networks, TV-Based, Automated Teller Machines(ATM), Electronic Funds Transfer at Point of Sale(EFTPOS) etc. Importance of Technology in Banking A number of studies have concluded that IT has significant positive effects on bank productivity, cashiers work, banking transactions, bank patronage as well as its service delivery thus a positive effect on growth of banking. (Balachandher et al, 2001: Hunter, 1991) It has also been said that, technology enables banks to reduce costs, i.e., reduction of operating labour cost, cost of collecting, storing and processing information fall and interest expense is more competitive because technology enables banks to access liabilities more cheaply. Also, technology enable banks to serve their customers better and faster (convenience of having 24 hour access to ATMs, internet banking and telephone banking) and also it enables banks have diverse banking products. Finally, technology enables banks increase revenue and capture new markets by offering broader array of services and doing banking business worldwide. Technology is the is the key to quality service in banking. Statement of the problem Top management in the Banking Industry invest in Information Technology with the expectation will result in higher productivity and/or provide the bank with a stronger market presence and related competitive advantage. With the deregulation of the Banking industry, completion has increased considerably thus in managing operational costs, IT has become critical to achieve a competitive advantage (Mistry, 2006) Although most researchers conducted on this topic have yielded mixed results, most of them have shown that IT and bank performance are independent of one another. However, this research is aimed at finding out if, indeed, the same holds for the Ghanaian Banking Industry or if the Ghanaian Banking Industry is benefiting from the incorporation of IT into daily banking operations. Hypothesis A scientific assumption that will consist of measurable variables linked by a relationship that explains how IT impacts bank performance in that IT has enhanced banks service deli very, product line customer data base management and credit allocation. This assumption is that the higher the IT expenditure used by a bank, the higher its revenue. Aims and Objective of study To describe the Technological Environment of Ghanas Banking Industry. To find if there is a relationship between IT and Bank Performance. Scope of the Study The study focuses on banks currently using IT based service delivery in Greater Accra Region. Furthermore, the sample size was limited to Ten (10) universal banks out Twenty-five (25) CHAPTER 2 Literature Review Firms invest substantial amounts of resources to sustain or enhance their competitive advantage, that is , their abilities to compete globally. These expenditures are usually made to sustain shareholder value through either a revenue growth strategy or a productivity strategy. According to kim et al (2004), a revenue growth strategy involves expanding new markets, new customers and service while a Productivity Strategy involves making improvements in cost structure and asset utilization. Investing in IT is highly important for improving core competencies for firms in the Banking Industry. Information Technologies are essential tools for developing new financial services, financial products and providing effective and convenient services to customers. The environment in the Banking Industry has become IT intensive (Kim et al , 2004). Banks have moved into online banking systems using IT systems such as Cash Dispensers or Automated teller Machines, Telephone Banking and Internet B anking. Several studies have been conducted to investigate the economic consequences of IT an the Banking Industry. Most of these researches focused on whether IT provides positive economic benefits or not. Although the evidence appears mixed, some studies found that the IT Productivity Paradox disappeared when the use of IT was well matched with its business strategy such as revenue growth or productivity strategy (Porter, 2001; Simmons, 1998; and Brynjolfsson and Yang, 1996). Thus managers first concern in investing in IT must be how to combine IT and business strategy in order to obtain a higher business performance. Modern Banking Practice Since the 1980s, the Banking Sector has been in a process of significant transformation that started in the United States and later moved to Europe. The main forces behind this transformation of the Banking Industry according to Reixach (2001), are deregulation and innovation in information technologies. Both forces have brought about an increased competition not only among banks but also from other financial and even non-financial institutions. Banks now depend on income from fees rather that interest rate spreads and also competition has in some cases, encouraged banks taking higher risks for which there might only be a little gain. On the other hand, the transformation of the Banking Industry has contributed to the blurring differences between retail, wholesale and investment banking. Banks in America have steered towards specialisation while in Europe the trend is tailored towards Universal Banking. Specialization has been the trend in the early Ghanaian banking industry. In the last ten years, the trend has changed with few banking converting to Universal Banks and the issuance of Universal Licences to new banks. 2.1.1 Type of IT Innovations Information technologies are having a big impact on the reshaping of the Banking Idustry leading to the development of new financial products and new means of developing them. With regards to the delivery of bank products, the last decade has seen the appearance of Automated Teller Machines (ATMs) and Telephone Banking, and now seeing the spread of Internet Banking. Banking business is now a 24 hour and a 365 day activity with customers having to spend less hours of waiting for service. The main types of IT innovations currently present in the Ghanaian Banking Industry are ATMs, Internet Banking, PC banking, Telephone Banking, Branch Networking, and Electronic Funds Transfer at Point of Sale (EFTPoS) Bank Performance According to Madura (2001), the main measures of Bank Performance are return on the asseta and return on equity. Return on Assets (ROA) is mainly influenced by financial characteristics such as net interest margin, non -interest revenue, non-interest expenses and loan losses. Bank decisions that affect the financial characteristics of banks are deposit rate decisions, loan rate decisions, loan losses, bank services offered, overhead requirements, efficiency, advertising and the risk level of loans provided. Return on equity on the other hand is influenced by the return on assets (ROA) and the banks leverage measure. Several studies have been conducted on the IT and firm performance. Advances in IT permit management to change and improve significant aspects of a firms structure and operations (Porter, 2001; Stanmbaugh and Carpenter, 1992; and Elliot, 1992). Studies investigating effect on firms profitability, according to Kim et al (2004) focused on whether It expenditur3e is converted into business value; eg. reduced expenses, increased revenue or i mproved operating performance. The evidence appear mixed on the effect of IT on financial performance (Brynjolfsson and Yang, 1996). Brynjolfsson and Hitt (1994) found out that IT improved the firms productivity and created substantial value for customers but did not improve profitability In sum, many studies have shown that IT Reduces operating costs (Barua et al, 1995) Increases market share and productivity (Brynjolfsson and Hitt, 1994) Increases future economic benefits and profitability ( Brown, Gatain, and Hicks, JR., 1995) The context of the Study History of It in Ghanas Banking Industry Abor (2002) in his paper Technological Innovations and Banking in Ghana gives a history of It in Ghana in stated that before the 1980s it was only the use of office automation devices such as Telephones, telefax and facsimile were employed to speed and make more efficient the process of serving banks customers. Later in the 1985 and beyond, as competition intensifie d and the personal computer (PC) got proletarian, banks begun using the in the back-office operations and later tellers used the for customer services. Advancements got banks networking their branches and operations and the first ATM was installed by the Trust Bank Ghana in 1995. Other technologies such as Electronic Cards became popular as foreign banks came on the scene with increased competition and service delivery that need IT. Clydestone Ghana Limited Clydestone Ghana Limited is a leading provider of information, communication and technology in Ghana. Listed as the first ICT company on the Ghana Stock Exchange is specialized in payment systems, networking and outsourcing and is the sole supplier of UNISYS in Ghana. Their outsourcing installs and manages most of Ghanas ATMs and Point of Sale Terminal (POS). CHAPTER 3 RESEARCH METHODOLOGY This chapter describes the research process. A mixture of qualitative and quantitative research techniques will be used. However, primarily a desk research will be conducted to cover the Ghanaian Banking Industry and interview with Banks IT service providers of which the greater percentage comes from Clydestone Ghana Limited. 3.1 Target Group and Sampling Procedure This research will be focused on banks, irrespective of their categories, which are currently employing some form of IT in their daily operations. Three Banks will be chosen for the case study; namely, Cal Bank Ghana Limited, EcoBank Ghana Limited and Ghana Commercial Bank Limited. Cal Bank and ECOBank are the topmost Banks which employ the most forms of IT innovations. Secondly, these banks have been involved in several changes since its attainment of a universal licence. Ghana Commercial Bank which is the traditional commercial bank has a wide network of branches but has not adopted most of the recent IT innovative service delivery products thus a part of the sample for the studies. 3.2 Sources of Data The study will obtain information from primary and secondary data 3.2.1 Primary Data Top management personnel of Clydestone Ghana Limited will be interviewed to obtain the information on the various IT devices and technologies that banks use in their daily operations. 3.2.2 Secondary Data Secondary data that will be used and are accessible are; Bankscope The Ghana Banking Survey 2000-2009 Annual Reports of the 3 named Banks The Internet 3.2.3 Time Frame Data collection will be limited to a time frame of the last nine (9) years. This is because during the period under review, the Banking Industry experienced a lot of changes; events such as the introduction of Universal Banking, the influx of Nigerian Banks, and the introduction of the new Capital Accord occurred. The period under review will be from 2001 to 2009. 3.3 Methods/Procedures A preliminary survey will be conducted to determine the number of banks currently employing some for IT in their service deliver y. This will be conducted on all twenty-five (25) banks in the Ghana Banking Industry to collect information on various IT based products for bank customers. Clydestone Ghana Limited, an IT service provider for banks, in order to determine the extent to which banks depend on information technology. These Interviews will be conducted to find out the number, types and frequency of Information Technology devices available and employed by banks. 3.4 Treatment of Finds The findings from the research process will be analysed mainly by trend analysis, ratio analysis and regression analysis to allow inferences to be made. Three measure will be used to evaluate bank performance. These are return on assets, return on equity and operating profit in three regression models. 3.4.1 Trend and Ratio Analysis This is based on the assumption that economic performance follows an established pattern and, therefore, historical data can be used to predict future business activity. This will be used to show whether since the introduction of IT in the banking industry certain variables such as loans and advances have changed with a consistence ratio. This will also be used to forecast the future of IT in banking industry. 3.4.2 Graphical Presentations These include bar charts, pie charts, tables and graphs. They will be used to show the relationship between the two variables being tested; IT and bank performance. 3.4.3 Computer Applications Microsoft Excel 2003 will be instrumental to present the findings in graphical forms, then used too interpret the finding from primary survey in order to select a sample to analyse financial ratios of the samples to be able to perform the regression analysis. 3.4.4 Regression Analysis Conceptual Framework The conceptual framework of this study, as in Figure 1 below, shows that the investments in Information Technology can influence firm performance, i.e. IT has a positive effect on performance. In order to av oid any interference by the other variables, this study includes control variables which are the firms characteristics, namely; non-interest revenues, non-interest expenses, capital structure of the bank and the growth in net interest income of the firm. The study will employ multiple regression models to examine the relationship of It investment on bank performance. Regarding the measurement of firm performance, this study will use performances which are based on accounting measures. Although some researchers have expressed concern over the use of accounting rates of return (Fisher and McGowan, 1983), most studies regard the accountin g measures as acceptable. Cheng and Chun (2005) used return on assets (ROA) as a measure of firm performance. In order to increase the reliability of empirical results, two other models will be used. These models will be return on equity and bank profit as measures of bank financial performance. To avoid the impact caused by other variable s that are absent from my model, this study refers to prior research (Cheng and Chun, 2005) and chooses the firm characteristics as capital structure and growth in net interest income. The study also refers to Kim and Davidson (2004) and selects Net Spread, Return on Equity and Return on assets as control variables with bank operating profits as the dependent variable.

Topics English Research Paper Can Be Fun for Everyone

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Writing a Florida Institute of Technology Honors College Essay

<h1>Writing a Florida Institute of Technology Honors College Essay</h1><p>One of the most ideal approaches to be set up for a Florida Institute of Technology praises school paper is to peruse numerous expositions and ask the counselor. Notwithstanding, since this is the main way you will know whether the article is troublesome or simple, here are a few hints on the most proficient method to do that.</p><p></p><p>First, you have to know your fundamental abilities. Is this exposition intense? On the off chance that it isn't troublesome, it is a direct result of your fundamental abilities. That implies, on the off chance that you can compose a powerful article, that is easy.</p><p></p><p>Now that you know your essential abilities, read through the exposition to check whether it is troublesome or simple. This is a decent time to explore about the point. Perhaps there is a way you can make the paper easier.</p><p&g t;</p><p>If the article is troublesome, at that point you have to work more diligently to set yourself up. On the off chance that the article is by all accounts troublesome, simply realize that you are not the only one. Numerous understudies battle with composing for a wide range of reasons.</p><p></p><p>Just recollect that the Florida Institute of Technology praises school exposition isn't unreasonably troublesome. You ought to have a couple of things you definitely know. This will assist you with responding to all the inquiries the counsel has about the topic.</p><p></p><p>Remember, in the event that you need to compose a triumphant Florida Institute of Technology respects school paper, you ought to have great sentence structure aptitudes. You should realize how to utilize records. You should realize how to pick a particular theme for each area of the essay.</p><p></p><p>Another tip on the best way to compose a Florida Institute of Technology praises school article is to know the point. The most ideal approach to do this is to peruse the points cautiously. Investigate the points and see which ones fit your degree of experience.</p><p></p><p>With these tips, you can compose a fruitful distinctions school paper. Regardless of whether you need more direction, this will give you a superior thought on the most proficient method to plan. Great luck.</p>

Massey University Sample Essay

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Why People Arent Talking About Essay Topics for Interview Pdf

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Unanswered Concerns About Video Analysis Essay Topics for College

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Why Marijuana Should Be Legal - 1264 Words

Valid Argument? You Must Be High It seems as though everyone has their own opinion when it comes to the legalization of marijuana. The question spans all age groups, races, and religions. You will hear different answers from individuals under each group. Some view the use of the substance as a sin and believe that the use should be a crime and others view it as a freedom that each citizen should be granted. Marty Nemko, a Ph.D. holding, education evaluation specialist, says otherwise. In his article published by TIME magazine, Nemko goes into details as to why he believes legalizing marijuana will have far more consequences than it does reward. His points seem as though they would be valid, however his argument is stretched and very weak. Nemko uses irrational logic, slanted, biased data, and opinion based assumptions to attempt to persuade readers to join his cause. At first glance, Nemko’s article seems as though it is full of logical reasons as to why marijuana should stay illegalized in the United States. The problem lies in his arguments. One of Nemko’s main points of emphasis is what the drug would do to children. If his argument was against the legalization of marijuana for all ages, this would have sound reasoning. However, Nemko is not arguing this proposal. The argument in discussion is to legalize marijuana for adults, and Nemko argues for a large portion of his paper about a group of people who will not be affected by the law. Nemko makes the assumption thatShow MoreRelatedWhy Marijuana Should Be Legal960 Words   |  4 PagesA college student walking down the street on a pitch black night, has a brief encounter with a cop while smoking a joint for his post-traumatic stress disorder, and unfortunately gets arrested, even though marijuana seems to be his only temporary cure. I believe marijuana has many medical benefits, and certain people need it to live a normal, productive life. Opponents of legalizing it have argued that doing so would do more harm than good, howe ver they turn a blind eye to scientific studies provingRead MoreWhy Marijuana Should Be Legal1604 Words   |  7 PagesAll through life, everybody is informed that, Marijuana is awful for you, over and over. A few individuals don t generally comprehend the reasoning behind it, however despite the fact that pot is completely legal in a couple states, it is still surrounding us everywhere; legally or not. Individuals all around the globe wonder why it s not legal all around. Can anyone explain why this drug is illegal for everyone, everywhere throughout the world? Cannabis in the United States of America has beenRead MoreWhy Marijuana Should Be Legal1953 Words   |  8 Pages Since marijuana is discovered, it has been used as drug. Because it considers as a type of cannabis, marijuana is a banned drug. Many of study and research about marijuana show that it effects on human health such as; irritated lung, shadow brain and dizziness, that is why marijuana has been banned for around s eventy five years. Under the Federal Law, having possession of marijuana is illegal and criminal. Marijuana has been an illegal in the United States since 1937. The federal court has triedRead MoreWhy Marijuana Should Be Legal1085 Words   |  5 PagesDear , Since the 1930s marijuana has been illegal in the United States. The debate to legalize marijuana has been a huge controversy since the existence of the drug. I believe that by legalizing marijuana America will be able to thrive in the future. Marijuana has been tested and proven to provide a very positive impact in the medical field, the economy, and crime. First and foremost, marijuana is legal in some states in the United States but for medical use only and other countries such as CanadaRead MoreWhy Marijuana Should Be Legal1641 Words   |  7 PagesThe article Marijuana talks about what marijuana is and how marijuana is used in the medical setting. Also this article marijuana talks about how effective the marijuana of kids in high school and the effects of social work and the social life itself. According to the National Survey on Drug Use and Health (NSDUH). Marijuana can also be used to drink tea and, predominantly when it is sold or expended for medical purpose is normally mixed into foods. Marijuana is a cannabis which used for some psychoactiveRead MoreWhy Marijuana Should Be Legal992 Words   |  4 PagesIn today’s society, it is clear people use marijuana for different reasons. Marijuana is a plant that is known as cannabis, weed, pot, hash, grass or dope. This type of drug is popular all over the country therefor e, the intake of marijuana should be taken, very seriously. Regardless, of how weed makes a person feel it comes with positive effects as well as negative outcomes. Without a doubt, smoking marijuana or eating the drug will affect people’s behavior. Individuals self esteem increasedRead MoreWhy Marijuana Should Be Legal1937 Words   |  8 Pages 1 Danielle Cook English 1010 February 22, 2010 Why marijuana should be legal Some people ask why marijuana should be legalized. But, perhaps, we should ask why marijuana is illegal? Contrary to public opinion and current law there are more reasons for marijuana to be legalized than for it to remain illegal. Marijuana cost taxpayers billions of dollars, it is less harmful than other pharmaceutical drugs including alcoholRead MoreWhy Marijuana Should Be Legal1379 Words   |  6 Pagesother information of the country or area that is needed to understand the background of the policy. Another important part of this step is to gain insight into the social determinants of health. 2. State the problem After working with the problem, one should be able to formulate a problem statement that defines the problem. 3. Search for evidence Evidence is information that is useful for developing a policy. To make the search efficient, it is important narrow down the search area before starting toRead MoreWhy Marijuana Should Be Legal Essay1633 Words   |  7 PagesMarijuana could be an awfully remarkable and questionable issue in the public arena nowadays. In spite of the fact that few hurtful cases are made concerning cannabis in late history, the truths are a unit gradually initiating to reemerge. Tragically, these truths territory units underneath huge feedback on account of the ordinary read of What people esteem the standard pot smoker. This skew impression of a languid and ridiculous America is that the consequences of more than seventy years of dataRead MoreWhy Marijuana Should Be Legal1641 Words   |  7 PagesAbstract Recognizing that marijuana will be in the market for a while, this paper will pinpoint detailed information on the production, transportation, effects of marijuana, and its effective control. The review of the claims integrated in the paper offers evidence and conclusive results of the local and foreign production. While using marijuana can be unsafe to a person, it is not as nearly as harmful as the stereotypes about marijuana claim to be. Furthermore, the drug seems to be well established

A Secret Weapon for Essay Topics the Scarlet Letter

<h1> A Secret Weapon for Essay Topics the Scarlet Letter</h1> <h2>What to Do About Essay Topics the Scarlet Letter </h2> <p>The Scarlet author is the sole book that turned into his perfect work of art is still notable in the considering circles. Pearl is likewise an image that might be deciphered subject to the characters' viewpoint. A subject is comprehended to be the fundamental thought of a story. </p> <h2>The Lost Secret of Essay Topics the Scarlet Letter </h2> <p>Gradually, some of the townspeople, with no genuine proof aside from the growing appearance of fiendishness in Chillingworth's face, start to create doubts about the doctor. The primary explanation in light of his sickness is no infection, yet the effect of wrongdoing and blame on his shoulders. As an outcome, she turns into the indication of transgression. Dimmesdale's wellbeing begins to come up short. </p> <p>Inside this section it's proposed to unmistakably show his trouble in neglecting to admit his own part of the double-crossing undertaking. Dimmesdale, harassed by blame because of his past thoughtless activities, loses control as a result of his flimsy brain tormented with blame. He's communicating that his regret for those difficulties he's caused Hester has begun to take a hold of him. Chillingworth acts like a doctor and figures out how to get extremely close Dimmesdale, who he begins to torment. </p> <p>Dimmesdale hasn't felt this alive and fit in seven decades. Hester and Pearl leave the town for quite a while, and loads of decades later Hester returns. Foresee how this 1 night may change the relationship of Jim and Della later on. Hester, on the other side, returns years after the fact and lives the rest of her days bearing the indication of the red letter.</p> <p>Looking at two or three example articles before you begin composing can assist you with getting motivated to create. By essentially beginning to peruse The Scarlet Letter I have just started to comprehend the great consideration and profound idea he displays in his composition. As opposed to different organizations, we're sheltered and dexterous gathering of journalists that are profoundly concerned with respect to the scholarly composing undertakings. Here are full exercises about how to make a letter in the absolute first segment of the Writing test. </p> <h2> How to Get Started with Essay Topics the Scarlet Letter? </h2> <p>Teenage moms may feel like they are denying their children, since they are youthful and unpracticed. As a general rule, the entire film is told by and large as a bit of Olive's admission. Most of the people viewing Hester's discipline accept that it's very indulgent. The storyteller likewise has an ethical, calling for people to uncover reality or some data that people can use to have at the truth. </p> <h2& gt;Essay Topics the Scarlet Letter Secrets </h2> <p>1 evident purpose for The Scarlet Letter dealing with such a significant number of different levels is it has large amounts of Symbolism, which gives the writer an opportunity to deliver important articulations. Nothing draws close to the idea of permitting each individual to live by their own gauges. This qoute demonstrates that regardless, there may remain a more promising time to come. The specialty of letter-composing is amazingly near satisfy the requests of correspondence in our advanced second. </p> <p>A image is something which speaks to something different. Toward the beginning, it's previously seen as natures method of offering magnificence to individuals who leave and enter the jail as pleasantly with a hint of something to look forward to individuals who occupy it. Yet, for our characters, it's a region of progress, and some place to show who they truly are. The genuine trial of a darling is in t he basic actuality which the person in question doesn't falter in her or his affection despite the fact that the world around mumbles in an unfriendly tone. </p> <p>As you create an exposition, you're sharing data about the subject. The book is broken into part documents. Offer the subtleties Tell us when you need to get the paper than at whatever point your educator needs it. Also, in letter a way you'll unquestionably deliver the article procedure less risky. </p> <p>The cost is reliant upon the size and earnestness. Limits and thoroughly free highlights It is pointless to talk about limits and totally free highlights when this is just one of the least expensive article composing administrations accessible available. Client care The client care is definitely something this administration should chip away at. He will know the cost of the request before they place it and make it clear. </p> <p>The Puritan culture wasn't the area for pearl. Normall y, the Puritan specialists aren't content with Pearl's conduct and need to take her from Hester. </p> <h2> Essay Topics the Scarlet Letter and Essay Topics the Scarlet Letter - The Perfect Combination </h2> <p>Spelling and accentuation aren't modernized. There is a specific incongruity in the way where this idea is turned out in The Scarlet Letter. You're ready to look into equivalent words in the web glossary as you read. That is the hardest word yet! </p>

Why Capitalism Essay Topics?

<h1>Why Capitalism Essay Topics?</h1><p>Capitalism article themes are commonly everywhere. There are a wide range of contentions that can be made, a wide range of clarifications of private enterprise's defects, and various speculations for how the framework really works.</p><p></p><p>The purpose of free enterprise paper subjects is to utilize class structures and entrepreneur clarifications as a springboard for clarifying why you accept private enterprise is something to be thankful for. Much of the time, a great deal of these subjects have to do with class structures.</p><p></p><p>Why is class structure such a key theme? All things considered, there are different sides to each coin, and any conversation of class structure must incorporate the two sides, else, it wouldn't be a conversation by any stretch of the imagination. Either individuals ought to be brought up in destitution or rich, yet not both.</p><p&g t;</p><p>Now, shouldn't something be said about the significant issue: for what reason is free enterprise acceptable? There are a ton of speculations for this, some great, some terrible. The majority of them are incorrect, be that as it may, so allows simply start with the most well-known of all, the free market.</p><p></p><p>First of all, the free market isn't really free. The administration engages in specific markets, for example, permitting individuals to stray into the red to purchase vehicles. The administration likewise engages in the financing costs, constraining individuals to purchase more stuff. Individuals additionally engage in business sectors through value segregation, as when there are two unique costs for comparable items in various places.</p><p></p><p>While the facts demonstrate that there are different factors, most industrialist clarifications really neglect to make reference to the job of the legislatu re. One of the huge issues with free markets is that they don't permit opportunity. It doesn't take into account rivalry. Rivalry prompts development, which prompts rivalry, etc thus forth.</p><p></p><p>These basic issues do not merit examining. You need to discuss the issues of the individuals who need to manage the free market, not the individuals who decide to live in it. Free enterprise exposition points ought to consistently begin from these individuals. Consider them.</p>

Essay Topics For Middle School

<h1>Essay Topics For Middle School</h1><p>Essay themes for center school are not quite the same as that of basic and secondary school, since you will expound on something new that you have not seen previously. There are some basic article themes that are shared by the entirety of the subjects, in any case, and you ought to have the option to make sense of what you are going to cover. There are likewise a few different points that you may need to check with your educator to ensure that you know about the best possible form.</p><p></p><p>Human Relationships is one of the most significant papers subjects for center school understudies. It covers the entirety of the inquiries encompassing human connections including dating, sentiment, and the finish of a relationship. These are significant subjects, since it will help you in your future as an understudy. It likewise assists with indicating how well you know others and how well you comprehend the reasons why they feel the way they do.</p><p></p><p>The next article themes for center school understudies is that of popularity and reputation. It is additionally about distinction and reputation in the social part of life. Understudies can be well known or not, yet it is a piece of their lives, so you will need to ensure that you know about this.</p><p></p><p>Essay themes, for example, secondary school can be incorporated, however you may likewise need to take a gander at articles for school, as well. These are subjects that you should be acquainted with in the event that you will go on to school. These themes will help you around there of study.</p><p></p><p>The next article points for center school understudies are about design and styles. This will show you about the patterns that are being grasped by specific gatherings of individuals and will assist you with being comfortable with what the style business brings to the table. You will likewise need to investigate the most recent styles and design lines to perceive what looks you like best.</p><p></p><p>Other exposition themes for center school understudies incorporate nature and the earth. Articles for center school that spread these points will assist with demonstrating that you have a decent comprehension of your general surroundings. You will likewise should know about ecological issues and how they influence you personally.</p><p></p><p>Sports is one of the most significant themes that you ought to remember for your center school assignments. Sports, regardless of whether they are proficient or novice, will assist you with finding out about the way toward winning and losing. It will assist you with figuring out how to manage the two misfortunes and wins.</p><p></p><p>Essay points for center school ought to be considered cautiously, as you might not have the o pportunity to check with your instructor to ensure that you have secured the fundamental subjects. A few subjects require more work than others, so you should go over them with your instructor before presenting the article for audit. It is smarter to incorporate the important points than to wind up with a paper that doesn't give you much data on the subject.</p>

Veterans The Homeless Veterans - 1245 Words

Veterans Homelessness United States veterans have risked their lives in order to give us all the freedom we have today, yet they are struggling in the society we have today and are forced to live on the streets. One major issue in our world today is the increasing number of how many veterans are homeless. After researching I have found the five most commonly discussed topics in this subject are; the number of homeless veterans in the whole United States, the different causes of veterans homelessness, the statistics of different races, ages, and sexes affected, if these people are being helped by the government or community-based support groups, and finally the homeless veteran populations around the United States. Veteran homelessness is an important issue in the world we live in today because of the amount of people who are affected, the causes for it have to do with our society today, there is a broad variation of people who are affected, citizens should be aware of which groups/programs are helping and how, and lastly, the populations of homeless veterans in states of the United States. The large amount of veterans who are homeless is a major issue in this world because out of 22.5 million United States veterans, between 529,000 and 840,000 are homeless at some time during the year, which was calculated by The National Coalition for Homeless Veterans. As there is a big number of veterans who are homeless, there are still about 1.4 million veterans who are at riskShow MoreRelatedThe Homeless Population : Veterans Essay2076 Words   |  9 PagesIn the US homeless population, veterans are slightly overrepresented (Tsai Rosenheck, 2015). To be exact, veterans constitute 12.3% of all homeless adults (Tsai Rosenheck, 2015). A study by Harpaz-Rotem, Rosenheck, Desai (2011) also affirms that roughly 30% are homeless men and 4% are homeless women. By definition, homelessness is not having â€Å"a regular or fixed night-time residence,† and homeless people tend to move frequently, stay in homeless shelters, and sleep in places such as vehiclesRead MoreThe Program For Homeless Veterans5756 Words   |  24 Pagesapproximately 49,933 American veterans were homeless on a given night. This number represents approximately 11% of the entire homeless adult population in the United States. Of those homeless veterans, 64% were reported to be sleeping in an emergency shelter or transitional housing and 36% were living on the streets or other places not meant for human habitation. Today, the federal government has many programs targeted to end veteran’s homelessness; however, the Department of Veterans Affairs (VA) currentlyRead MoreArgumentative Essay On Homeless Veterans1403 Words   |  6 Pagesyou are already defeated.† (Applewhite  ¶ 17). A quote from a homeless veteran shows how even though he has tried to relieve himself of the homelessness, it does not always end with the outcome that he wants, which leaves him feeling defeated, as well as thousands of others. About â…“ of the homeless population are veterans, and the y are usually the ones that need the most help (VA Expands Partnerships  ¶5). The struggle that homeless veterans face everyday in the United States is a growing problem thatRead MoreHomeless War Veterans Essay703 Words   |  3 PagesSpeech 301: Public Speaking Problem Solution Speech Homeless Veteran’s INTRODUCTION: How many people have a Veteran in their family or know one? If yes do you help them or is it someone else’s problem. Well many people think it’s someone else problem, but the truth is it’s our problem. They gave there all for each of us! PROBLEM: Veterans being let go from service without appropriate long tern help. Leaves unthinkable large numbers of Veterans helpless without knowledge on how to fit back in toRead MoreVictims Of Disabled Homeless Veterans984 Words   |  4 PagesIt is not uncommon to see a homeless veteran holding a sign along the side of the road looking for money, food, or anything that can help, and more often than not these veterans are disabled. A veteran, someone who has served our country, put their lives before our own, panhandling along the side of the road. Why is this happening, and how can we help to reduce the amount of disabled homeless veterans in our society? We live in a free country, a country that allows others to fight for our freedomRead MoreHomeless Veterans: The Fight at Home1367 Words   |  5 PagesHomeless Veterans: The Fight at Home Every night more than sixty-five thousand veterans are looking for a place to lay their heads, they are homeless. For over a decade these men and women of our armed forces have been returning home from the conflicts overseas; each year their presence in the homeless community has increased significantly. The reintegration from a structured military lifestyle to a lax civilian life can make adjusting difficult for service members. These men and women, who haveRead MoreTreatment Plan for Homeless Veterans677 Words   |  3 Pagesï » ¿Homeless veterans Homeless veterans seem to be a defenseless population by definition, as they are a subgroup in the population that is likely to have health problems or worse health challenges because of exposure to risks unlike the rest of the population. Many research undertaken to differentiate health problems linked to homeless veterans. They are vulnerable to co-morbidity of abuse of substances, mental, physical health infections and disorders than the common homeless population. TheirRead MoreSolving the Problem of Homeless Veterans680 Words   |  3 PagesAnnual Homeless Assessment Report released by the Departments of Housing and Urban Development (HUD), an estimated 62,619 veterans were homeless on any given night in 2012. The good news is that the estimate represents a 7.2 percent decline from the 2011 estimate and a 17.2 percent decline compared to the 2009 estimate (Veterans, 2013). Although progress is being made, there is much to be done. There are veterans with the same needs as the general homeless population, but also veterans with severeRead MoreEssay about Homeless Veterans2369 Words   |  10 PagesNational Coalition for Homeless Veterans (NCHV), nearly 200,000 American Veterans are homeless on any given night (Rieckhoff). NCHV - the resource and technical assistance center - reported that the number of Operation Iraqi Freedom (OIF) and Operation Enduring Freedom (Afghanistan) - (OEF) veterans are becoming homeless much more quickly than Vietnam veterans. As the war in Iraq and Afghanistan continues the number of homeless veterans increases. The next generation of American Veterans is on its way homeRead MoreHomeless People And War Veterans Essay887 Words   |  4 Pagesthink of when you see a homeless person on the street? You may not even notice them, or you might try not to even look at them. Then after you walk by, you probably feel a rush of guilt that just came over you. You might think â€Å"I’m never going to end up like that,† or à ¢â‚¬Å"I am going to always have a good job.† People that are now homeless, most likely said the same things that you are thinking about now. The very true and sad story is that most homeless people are war veterans that can not find work

Film Pulp Fiction Essay Example For Students

Film Pulp Fiction Essay This is unusual, as the audience does not know what this reference has got to do with the film and they are intrigued to watch the remainder of the film to see if this is explained. The main irregularity in the film though is that it is shown out of its natural chronological order. Narrative is an important tool for organizing seemingly random and incoherent events into a coherent and logical form that an audience can assimilate. It is a means by which producers can shape and control the flow of information to the audience. This normally would follow a Linear Narrative, a plot that moves forward in a straight line without flashbacks or digression. But Pulp Fiction is an example of a film, which follows an Anti-Narrative flow; it is one, which deliberately seeks to disrupt the narrative flow in order to achieve a particular effect, such as the repetition of images or disruption of a chronological sequence of events. In Pulp Fiction we can see this particular effect specifically with the reappearance of a character whose death was witnessed earlier. Quentin Tarantino also uses enigma codes, an enigma is a riddle or puzzle, and some types of narrative make extensive use of this code. One of the pleasures that an audience receives from consuming a media text is that of predicting the outcome to a particular narrative. In Pulp Fiction, the audience has to work out the muddled sequence of events as both the start and end of the film is the robbery of the restaurant, when the real ending is when Butch and Fabienne fly off in the chopper. It is chronologically the last event of the film. The text also manipulates the audiences pre-conceived associations of images; every scene has elements from different decades: a 1950s car, a 1970s telephone, a 1940s style suit, a 1990s retro nightclub. Forcing the audience to give up its attachment to linear history and accept instead a vision of American culture as a compression of a multitude of eras. Genre is useful in looking at the ways in which media texts are organized, categorized and consumed. Audiences are said to like the concept of genre because of its reassuring and familiar promise of repetition and variation. The radical innovations included in Pulp Fiction make it hard to situate the film within mainstream cinema; it is, difficult to know what to call this type of film. Tarantinos Pulp Fiction clearly acknowledges the conventions of the gangster genre. Tarantino removes his film from the conventions of a traditional popular genre. Tarantino thoroughly undermines the traditional myths and effectively replaces them with myths of his own construction. Tarantinos gangsters, for one reason or another, do not behave like gangsters in the traditional sense and the myth associated with the gangster genre is undermined. The way is then cleared for Tarantino to install his own version of a revitalized gangster myth. The visual appearance of Jules and Vincent effectively establishes them as dangerous individuals; their physicality combines with language, tone and background music, which contributes to their intimidating presence. With the gangster personas established, Tarantino then exploits the viewers expectations by placing the gangsters in non-traditional scenarios. The viewer eventually realizes that the dialogue between Jules and Vincent has become quite common and most un-gangster like. They are not talking murder, guns or bank robberies; their discussion includes the nuances of European hamburgers, the delicacies of a foot massage and finally the proprieties involved in taking the bosss wife out to dinner. Their dialogue is not what one might normally expect of two assassins about to make a hit. There is something clearly wrong, so much so that Jules must finally insist: Come on, lets get in character. This particular line of dialogue clearly points out how deliberately Tarantino strays from the conventional gangster myth. .u2b072314976695f5c620449fa6c4cd84 , .u2b072314976695f5c620449fa6c4cd84 .postImageUrl , .u2b072314976695f5c620449fa6c4cd84 .centered-text-area { min-height: 80px; position: relative; } .u2b072314976695f5c620449fa6c4cd84 , .u2b072314976695f5c620449fa6c4cd84:hover , .u2b072314976695f5c620449fa6c4cd84:visited , .u2b072314976695f5c620449fa6c4cd84:active { border:0!important; } .u2b072314976695f5c620449fa6c4cd84 .clearfix:after { content: ""; display: table; clear: both; } .u2b072314976695f5c620449fa6c4cd84 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u2b072314976695f5c620449fa6c4cd84:active , .u2b072314976695f5c620449fa6c4cd84:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u2b072314976695f5c620449fa6c4cd84 .centered-text-area { width: 100%; position: relative ; } .u2b072314976695f5c620449fa6c4cd84 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u2b072314976695f5c620449fa6c4cd84 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u2b072314976695f5c620449fa6c4cd84 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u2b072314976695f5c620449fa6c4cd84:hover .ctaButton { background-color: #34495E!important; } .u2b072314976695f5c620449fa6c4cd84 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u2b072314976695f5c620449fa6c4cd84 .u2b072314976695f5c620449fa6c4cd84-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u2b072314976695f5c620449fa6c4cd84:after { content: ""; display: block; clear: both; } READ: Film Overview - Sugar Cane Alley EssayIn most movies the dialogue is made up of functional speech, characters only say enough to move along the plot. But what is different about Pulp Fiction is that the characters talk about completely random subjects e.g. foot massages, hamburgers, potbellies and divine intervention. It is through these meaningless conversations that the characters obtain substance and they are almost real to us. Pulp Fiction is full of intertextual references, one of the obvious scenes of this is when we see Marilyn Monroe in Slim Jims restaurant.  Pulp Fiction is often classified as a post-modern film as many believe it concentrates more on style over substance.  I think though that this film is of so much interest to Media students because Quentin Tarantino goes against all Media rules to make the film different, which I think was very successful.