Tapsihan Essay Example

Tapsihan Essay KAHITSAN (Sizzling Tapsihan) By: Camille Hazel Diaz To: Ms. Girlie L. Fernandez A postulation submitted in Partial Fulfillment of the necessities for the four year education in science in Business Administration Major in Marketing Management ABE International Business College-Fairview March 20, 2013 INTRODUCTION Tapsilog is a unique dish of the Filipinos which turned into a most loved since it was first made. Tap implies tapa, Si implies sinangag or seared rice and Log for itlog or egg. This sort of food is well known for Filipinos because of its delicacy and heavenliness with the blend of singed rice and egg. Kahitsan is little restaurant idea offering high caliber yet moderate customary Filipino food. It was begun from the word Kahit Saan, the word we used to hear each time we ask somebody where they need to eat. This idea was work to tell the individuals that Kahit Saan additionally exist as a little diner giving wide assortments of filipino dishes. Kahitsan is situated at the eastern finish of Claro M. Recto Avenue because of high thickness of schools and colleges found in the territory. It serves an assortment of mouth-watering Sizzling Silog Meals, for example, TapSiLog, ToSiLog, CornSiLog, SigSiLog, PorkSiLog, BurgerSiLog, HotSiLog, ChixSiLog, and LongSiLog with a blend of Bulalo Soup. The sauce made it significantly increasingly tasty and serves it on a sizzling plate. We offered a heavenly and reasonable value that gives a fulfillment to our client that they doubtlessly get what they paid off. Proposition STATEMENT Nowadays, individuals will in general eat outside because of occupied days. A few understudies couldn't bring their own baon particularly schools. KahitSan offers types of assistance to significant clients. We will compose a custom exposition test on Tapsihan explicitly for you for just $16.38 $13.9/page Request now We will compose a custom paper test on Tapsihan explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom paper test on Tapsihan explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer Our primary objective market are understudies and different experts who work close into our area. Kahitsan keeps up item consistency to give the clients a similar excellent they got each time they go to our place. Our technique is to construct more clients so as to expand income. In contrast to other little diner, kahitsan have separate take-out counter for those clients who like to eat at better place, this will likewise be a favorable position in light of the fact that kahitsan will have the option to get extra salary even the spot were brimming with clients. We additionally give dependability cards to a powerful method of expanding deals from a particular client. This card will be demonstrated when they request to us. Adequacy of this card is because of the given feeling of and it extra incentive to clients gives the sentiment of significant worth. Deals TECHNIQUES Kahitsan’s system depends on conveying a solid client incentive in a specialty showcase. Our area is loaded with schools and experts that don't have unlimited open doors for eating out. Our serious edge is to be the main diner â€Å"tapsilogan† along Claro M. Recto Avenue, in an agreeable, non-smoking, client situated eat in understanding and first to have its different takeout counter. To drive clients to Kahitsan, we will utilize a few strategies delineated beneath. * Coupon †coupon will be given to individuals who passed by our store to illuminate them about our menus. * Flyers will be utilized for the commercials which acquire clients. * (Word of Mouth) Encourage clients to become ordinary clients, and to enlighten every one of their companions and colleagues concerning the extraordinary encounters and time that they shared to us. * Facebook Fan Page is a basic device to advance my business. * Barkada Meals useful for 3 to 5 people. Deals OPERATION/SERVICES Kahitsan will be working for 14 hours from 7am toward the beginning of the day up to 9pm at night. We’ll be intending to open our store ahead from our rivals so ambitious people will in general have breakfast in our place. Our items will be served quick and prepared to devour and will be an option in contrast to the typical cheap food alternatives accessible in todays advertise. Kahitsan won't work its business on Sundays to give our representatives a rest. Checking of inventories on Sundays will be a bit of leeway so we will realize the food supplies we have to recharge for the entire 6 days activity. Take-out counter †Kahitsan will give a different takeout counter to those client who needs to purchase our items and fills in as â€Å" pasalubong† for their families, companions and associate * 15 tables (useful for 4 people) †Kahitsan will have 15 tables with at least 4 seats each table to suits those clients who accompanied their companions. It is smarter to give an enormous no. of tables rather than a not many which pushed the others to discover somewhere else as opposed to holding up others to get done with eating. POS (Point of offer) framework †All business information will be signed on our POS framework so we can follow our deals naturally rather than simply composing it on a paper. * Loyalty cards: After 10 suppers bought, the eleventh will be less half markdown. * Bulletin Kahitsan †kahitsan will report some promotions to be posted in our notice. MENU: Tapsilog P40. 00 Chicksilog P45. 00 Hotsilog P40. 00 Sigsilog P45. 00 Barkada Meal P95 Silog MealsPriceDrinksPrice TosilogP40. 00 Coke 8ozP12. 00 Cornisilog P40. 00Coke 1L P30. 00 LongsilogP40. 00Mountain Dew P20. 00 Burgersilog P45. 0Mineral Water P12. 00 Porksilog P45. 00Water P0. 00 PROFIT SALES: per dayper month Tapsilog P40 x 30 = P1200 P32400 Longsilog P40 x 8 =P320 P8640 Hotsilog P40 x 7 =P280 P7560 Cornsilog P40 x 5 =P200 P5400 Tosilog P40 x 5 =P200 P5400 Chicksil og P45 x 20 =P900 P24300 Sigsilog P45 x 25 =P1125 P30275 Porksilog P45 x 10 =P450 P12150 Burgersilog P45 x 10 =P450 P12150 Barkada Meal P95 x 5 =P475 P12825 Extra Rice P8 x 80 =P640 P17280 Coke 8oz P12 x 10 =P120 P3240 Coke/Sprite 1L P30 x 5 =P150 P4050 Mountain Dew P20 x 3 =P60 P1620 Mineral Water P12 X10 =P120 P3240 TOTAL GROSS SALES:P6690 P180630 EXPENSES: EquipmentsP25000 Rent ExpenseP12000 Salary ExpenseP25000 Food Supplies ExpenseP55000 Utilities ExpenseP4000 Miscellaneous ExpenseP10000 TOTAL:P121000 SALESP180630 Less:EXPENSESP121000 NET PROFIT:P59630 (month to month) CONCLUSION: KahitSan is deliberately situated at Claro M. Recto Avenue serving not just huge no. of understudies yet experts also. KahitSan will give an issue free support of all our esteemed client particularly for the individuals who discovers spot to eat and simply unwind for a brief period. Our fundamental objective is to acquire clients and hold those that belittle our administration by giving them a phenomenal client care. Dependable benefit will reasonably redress and prize representatives for their difficult work, devotion and responsibility. Kahitsan will discover various ways that will make our clients happy with our administration. The market will react and develop rapidly on the following 3 years and build up 2 store areas in better place. List of sources http://www. bplans. com/healthy_restaurant_business_plan http://www. business visionary. com. ph/board/list. php? action=search2 http://en. wikipedia. organization/wiki/University_Belt

Research Paper Essay Example | Topics and Well Written Essays - 1250 words - 1

Research Paper - Essay Example This brought about extraordinary financial down turn and furthermore loss of lives, the United States forward-thinking despite everything repays the veterans of the war, not overlooking that they went through a ton of cash in the war, which they in the end pulled back from over the long haul. Numerous troopers got perpetual wounds and billions lost their lives. It is assessed that 58,000 American fighters passed on during the war, 300,000 were genuinely injured, and 2387 announced missing (Murrin et al 143). The war not just influenced the United States troops that had been in the front line. The wars likewise influenced the Americans who had continually viewed the happenings on the war front, as they had been circulated perpetually in the media. Many needed to manage the post war injury while others, needed to manage the demise of their friends and family. Numerous kids were stranded, different families never became more acquainted with what had befallen their family members the same number of different troopers were accounted for missing. Regardless of the way that the administration repaid the veterans’ families, the vast majority had trusted it had not been in its place to engage in the war. Others contended against the government’s move to enlist youngs ters and send them to war. The country lost an immense number of its young age through the war. The Vietnam War brought about a budgetary difficulty that was felt all through the United States. The nation lost an expected $167 billion spent on the war (McNamara 186). The legislature went through an immense measure of cash to buy and produce supplies and weapons for the military associated with the war. A disappointment by President Lyndon’s government to build tax collection while financing a significant war and an extraordinary society at the same time prompted an outstanding increment in a twofold digit expansion that brought about administrative obligation (Buckallo 87). The mounting obligation served to attack the American economy and add to an abatement in expectations for everyday comforts saw from the late 1960s into the 90s. Further, the war veterans must be redressed, and

Why You Should Not Be a Solopreneur

Why You Should Not Be a Solopreneur Finding a perfect job is something that is only a dream for most of us. While some jobs do not offer a decent pay, others may not offer enough opportunities to showcase your potential. In such a scenario, more people are creating and running their own businesses, single-handedly. These individuals who run businesses without any support staff or employees are known as solopreneurs. © Shutterstock.com | mavoIn this article, we shall be learning more about 1) solopreneurs, 2) what makes them different from entrepreneurs,  and 3) some reasons why you should not be one!SOLOPRENEUR: A BRIEFWho Is a Solopreneur?In the simplest of terms, solopreneurs are entrepreneurs who run their business alone or single-handedly. These are independent professionals who are engaged in building a personal brand by performing each of the business tasks themselves. They are themselves responsible for achieving personal and financial success from scratch and do not have any employees or support staff working for them. The term ‘solopreneur’ is a broad term that is used to refer to different professionals including freelancers, consultants, small business owners and on-call workers.These days, a lot of people are going the ‘solo’ way and starting their own businesses. Solopreneurs are mostly driven by a passion for what they love doing, combined with self-confidence, courage, an d multi-tasking abilities. They are usually more inclined toward doing everything themselves and hence may not feel the need to hire anyone. However, after spending a few years working alone, some solopreneurs hire certain workers in order to meet the needs of the growing business. Creating a job for yourself takes time, motivation, dedication and, of course, a lot of hard work. Leading it to success thereafter further adds to the challenging nature of solopreneurship.Characteristics of a SolopreneurIt is true that the internet and many other resources available online have made it possible for people to consider becoming solopreneurs. But it takes more than just the internet to convert this dream into reality. There are many characteristics or features that an individual must possess to become a successful ‘solo’ business owner, such as:Passion and optimism An unflinching passion for your idea or business plan is something that acts as a driving force for those who wish to bec ome solopreneurs. But passion often comes from optimism, which is also a characteristic trait of solopreneurs. Without a positive frame of mind, no business owner can move forward, and the same holds true for solopreneurs as well.Courage and confidence A solopreneur must have a great deal of courage and confidence to stay the course without giving up. If you wish to go solo, then you must not only take risks but also trust in your own abilities.Extrovert and introvert As a solopreneur, you would need to be both an extrovert and an introvert. On one hand, you must have superb people skills to communicate with business associates on a daily basis; on the other hand, you must be comfortable working alone for long periods of time. You must be able to make yourself comfortable in your own space but should also have the ability to socialize to take your business forward.Creativity with getting resources Most solopreneurs when starting their business may find themselves low on resources . Thus, you must possess creativity for getting resources and acquiring the tools needed to take the business forward. Someone who doesn’t possess this quality of resourcefulness may not be able to meet the challenges of running a business alone.Versatility From marketing to sales, and from finances to brainstorming ideas, a solopreneur has to handle each aspect of the business himself and to do this, he may need to be extremely versatile. If you plan to become a solopreneur, then you may need to acquire not only a large pool of knowledge but also several multi-dimensional skills to succeed.Financial and tech savvy As a solopreneur, you need to possess exceptional financial skills in order to make the most of your money and to utilize and invest it well. Without proper financial knowledge, even a great business idea can fail. Similarly, you must be tech-savvy to be able to make use of technology and the internet for promoting and running your business well.Negotiation skills and salesmanship To grow your business, you will also need exceptional negotiating abilities and excellent salesmanship. From clients to service providers, and from customers to third party vendors, a solopreneur needs to negotiate on a daily basis in order to move ahead and get the best out of a situation.Creative Only someone who can think creatively and has an innovative vision for the future can conduct a business single-handedly. Creativity forms the mainstay of the work profile of a solopreneur and proves useful not just during the initial steps but for the duration of the business.Differences between a Solopreneur and an EntrepreneurIt is a common notion that those running their own businesses are called ‘entrepreneurs’, but the same definition can also be applied to ‘solopreneurs’. However, in spite of the slight similarity in the definitions, there are many differences between the two. While, on one hand, a solopreneur works independently without any workers, an entr epreneur may work with a group of people including staff members, employees, and consultants. The following are some of the other differences between solopreneurs and entrepreneurs:Differences in aspirations and objectives: There are subtle differences between the aspirations and objectives of solopreneurs and entrepreneurs. While the goal of an entrepreneur is to make money, a solopreneur may be more focused on carving a brand or name for himself in the market. The main objective of a solopreneur is to set up and stabilize his business. The risk-taking scope for solopreneurs is usually less than in the case of entrepreneurs.Differences in hiring employees: Entrepreneurs need to hire employees in order to meet their objective of maximizing profits in the fastest way, but solopreneurs are not focused on hiring anyone. They may make less money but ensure they keep 100% of the equity. However, they may use the services of freelancers or consultants every once in a while for help on cer tain matters. Entrepreneurs, on the other hand, may not hesitate to hire people if that is what it takes to achieve their objectives faster.Difference in attitude managers vs. workers: Entrepreneurs run a business with the aim of making money, even if it takes hiring workers, and then eventually selling off the business when it has made enough profit. They love the challenge of establishing and running the enterprise but may not be too keen on doing the work by themselves. They thus have a ‘manager’ attitude. In contrast, solopreneurs are keen on doing what they love and converting it into a one-man business. Even if this doesn’t ensure a good income or a handsome profit, solopreneurs are comfortable pursuing their passion without sharing their work responsibilities.Entrepreneurs are focused on building a company: Another major difference between the two is that entrepreneurs are focused on building a profit-spinning company while solopreneurs are more inclined toward creatin g their own small space in the industry. Entrepreneurs tend to be out building connections and expanding their network, but solopreneurs spend hours getting things off the ground from the office to turn their dream into a reality.Solopreneurs are not bothered about a buyout: Entrepreneurs work hard on building and expanding their businesses but may not be particularly attached to it. All they aim for is to convert the business into a profitable venture so that they can sell it out. But solopreneurs are not bothered about a buyout and do not plan to hand over their much-loved venture to anyone else. They passionately love what they do and wish to keep it their own till the very end. However, there are many entrepreneurs who might turn down buyout offers and solopreneurs who may agree to sell the business out in time if the situation demands it.WHY YOU SHOULD NOT GO THE SOLOPRENEUR WAYWhile most of you may be attracted by the idea of becoming a solopreneur or taking on the challenge s ingle-handedly, it is important to know that this is not the most rewarding or fun path to choose for your future. Starting, running and then trying to make your business a success can be very scary, especially if you are not equipped with boundless knowledge and the skills to implement this knowledge. Not only is the path laden with uncertainties but it also demands a lot of hard work. The following are some of the other reasons why you should probably give up on the idea of being a solopreneur.1.     You are your biggest roadblockOne of the main reasons why you should not consider becoming a solopreneur is that you are your biggest roadblock. Since you are the only person involved in the business and have to handle each of the tasks yourself, if you do not do some work, then it won’t be done at all. This means that if you don’t feel motivated to perform the various duties on certain days, you won’t have anyone to lean on and may prove to your own biggest enemy. If you are co nsidering going the solo way, you must first consider your own potential and motivation level before taking the plunge.2.     Separation of personal and business finances is difficultWhen you open up a business of your own, you tend to set up a different account for your professional finances. But even with the separation of accounts, keeping the money separate can be very difficult. So, for example, if you run out of money in your personal account, you will be forced to borrow some from your business account and vice-versa. But mixing of finances is inevitable as a solopreneur and often leads to legal hassles.3.     Can be exhaustingFrom the initial steps of planning your business to handling marketing, and from organizing your finances to making the sales, you are the one who will be looking after all departments of the business, day after day. Not only does this prove physically exhausting but also mentally tiring. So even if you are on a vacation or an off day, your mind will be still on the tasks that need to be performed like the mail that has to be sent or the payment that is to be received. Being a solopreneur can be really exhausting, and most people may crack under the pressure. This is another reason why one must avoid going this way.4.     Lack of collaborationSince there are no employees or team members with whom you can share ideas, you may often experience a feeling of lack of collaboration as a solopreneur. If you are someone who likes to brainstorm ideas and work within a team as a joint force, then this field of work is not suitable for you. Solopreneurs do not have the luxury of delivering results in collaboration with a group of people and have to trust their own judgment at each step of the business.5.     Things can get extremely lonelyOne of the biggest drawbacks of being a solopreneur is that things tend to get extremely lonely around the workplace. There is no one with whom to share office gossip, no one with whom to take a coffee brea k and no one with whom to discuss your plans. It is a job where you may have to spend long hours in your office (or home office) alone and share the company of only a computer system. If you have been working with a company or a corporate entity for a long time, you may not be able to adjust to the quiet life of a solopreneur.6.     Experiencing failure can be overwhelming as a solopreneurAnother reason why you should not consider being a solopreneur is that experiencing failure can prove to be very overwhelming. Since you work very hard on building your business, experiencing failure can be very disappointing and may mean starting over from square one. Also, there is no one with whom you can share your failure, and you have to bear the brunt of it all on your own. Not everyone has the strength to deal with this alone.7.     Lack of resourcesWhen you work alone, it is you who has to acquire all the resources and make them last for the maximum amount of time. But it can be very diffi cult to ensure a good supply of resources all the time, especially when you have much more important matters to take care of. Also, not everyone has the skill to ask for help or maintain a constant stream of both financial and other resources. This may lead to a lack of resources which can prove fatal for your business.8.     Lack of validationThe reason why teams tend to produce better results than individuals is because each member can validate or improve the ideas of the others. Every individual craves validation and appreciation, which is something that is not possible for solopreneurs. You won’t be able to get feedback or have your ideas critiqued when you work solo, and this can result in a narrow way to approach different matters.9.     Not for everyoneSolopreneurship is not for everyone. Only those with a gamut of skills, unique characteristics and exceptional multi-tasking abilities can achieve success in this path of work. Solopreneurship is:Not ideal for those who are n ot good at networking Only with exceptional communication and networking skills can one succeed as a solopreneur. These skills are needed to make and maintain contacts, find more business and obtain resources. Thus, those who do not have networking abilities may not be able to work well as solopreneurs.Not ideal for those who cannot multi-task Someone who cannot juggle between different tasks and manage each effectively may not be the best candidate for solopreneurship. This field of work requires completion of a large number of tasks successfully on a daily basis and only a person with these skills can fit into this profile.Not ideal for those who lack financial knowledge If you are someone who is scared of working with and managing business financials on your own, then this field is probably not for you. From handling accounts to allocating budgets, you will have to have exceptional financial knowledge to succeed as a solopreneur.Not ideal for those who are used to working as a team if you are someone who is only comfortable working in a team or among a group of people, then you will find the field of solopreneurship extremely tough to handle. Here, you are a one-man team with no support staff or colleagues with which to share challenges.Not ideal for those who are not tech-savvy Not only does a solopreneur need to be familiar with technology, software and the internet, but he also needs to be an expert at these. Only a tech-savvy individual can dream of succeeding as a solo-business owner.Not ideal for those who do not like taking risks If you hate taking risks and prefer working within your comfort zone, then you should probably find a nine-to-five job that offers job security. A solopreneur has to take risks each step of the way to move toward brighter possibilities, however scary the risks might seem.10.   Can be stressfulPerforming a large number of tasks day after day and being responsible for success single-handedly can prove to be very stressfu l. From the stress of making money to the stress of acquiring resources, the list is endless. The load of the work responsibilities and the possibility of failure can make anyone crumble, while the stress may also affect the performance of the individual.

High Blood Pressure Among African American Essay - 2491 Words

High Blood Pressure among African American Hypertension is a major health condition which affects many Americans. This health condition may increase the risk of cardiovascular disease and stroke. A normal blood pressure consists of systolic blood pressure divided by diastolic blood pressure, 120/80mmHg (millimeters of mercury). High blood pressure is defined as systolic pressure which is greater than 140mm Hg, and diastolic pressure which is over 90mm Hg. Hypertension influences the health outcomes of black Americans more than other races in the United States. Racial discrimination and socioeconomic status are two major factors which influence the rate of high blood pressure in the black American population. Hypertension is a developing problem worldwide associated with an increased risk of cardiovascular morbidity and mortality. In 2020, the world population will be approximately 7.8 billion people, and there will be 1 billon people who may be affected by hypertension (Tomson Lip, 2005). One in three adults in the United States has high blood pressure. According to the report â€Å"Health, United States, 2010 with Special Feature on Death and Dying,† the prevalence of hypertension among adults 20 years old or older increased from 24% to 32% during 1988-1994 and 2005-2008. The African-American population has a higher prevalence of this health condition than white Americans do. In 2005 to 2008, the prevalence of hypertension among black males (41.4%) was more than 10%,Show MoreRelatedHigh Blood Pressure Among African Americans1040 Words   |  5 PagesHigh Blood Pressure Among African Americans Many illness or diseases are known as silent killers because there are no signs or only vague signs of symptoms. These silent killers are deadly; in fact, they gradually consume a person in the early stages. 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In 2009, Americans visited their health care providers more than 55 mil lion times to treat their high blood pressure. (Roger, Lloyd-Jones, 2012). One can also prevent the risk of hypertension by exercising regular, maintaining a healthy body weight, and avoiding heavy salt intake and excess alcohol use. TreatmentRead MoreIndicator and Determinants of High Blood Pressure1362 Words   |  6 Pagesof High Blood Pressure (Rough Draft) Carla Woodall Grand Canyon-HCA-515-0101 April 29, 2013 Introduction This paper implements the indicators and determinants of high blood pressure in men. Many studies have measure the effect of Hypertension among men of different ethnical and socio-economic backgrounds. Socioeconomic is one major determinant which influences high blood pressure in men. High blood pressure is a major illness in the human population, especially among men. High blood is normallyRead MoreTypes Of Hypertension And Secondary Hypertension1434 Words   |  6 PagesPathophysiology The amount of blood the heart pumps and the amount of resistance the arteries have to blood flow determines the blood pressure. High blood pressure results when the heart pumps more blood through narrowing arteries. There are many physiological mechanisms involved in maintaining a normal blood pressure, and the upset of any of these mechanisms may play a role in the development of hypertension (Beevers, Lip, O’Brien, 2001). Normal blood pressure for adults is a systolic readingRead MoreUse Of Isosorbide Dinitrate And Commiton With Other Ethnic Groups787 Words   |  4 Pageshydralazine together among the general population as well as specifically in the African American population. According to the article Use of Hydralazine-Isosorbide Dinitrate Combination in African American and Other Race/Ethnic Group Patients With Heart Failure and Reduced Left Ventricular Ejection Fraction, African Americans patients being treated for heart failure are more frequently discharged from the hospital on Hydralazine and Isosorbide Dinitrate therapy. Africans Americans made up 45.3% ofRead MoreRisk For Developing Kidney Disease1591 Words   |  7 PagesAfter conducting a health history assessment and formulating a genogram for my client C.N, I have come to the conclusion that she is at increased risk for developing kidney disease. C.N is a 32 years-old African American female with a current medical diagnosis of Hydronephrosis, UTI, and Left Ureteral Constriction. Unfortunately she also has an extensive family history of kidney disease. Healthy People 2020 points out that genetic determinants have a large influence on the development and progression

Not Lowering The Drinking Age - 989 Words

Not Lowering the Drinking Age There are many different views on drinking alcohol, especially underage drinking. Everyone has different views on the drinking age. Some think it should be lowered and others believe that it should be raised. Then some believe that it should remain the same at the age of twenty-one years old. Keeping the alcohol consumption age at twenty-one limits the dangers of not only those under twenty-one, but other people in the community. Lowering the drinking age will cause more problems than it would fix, but people will argue against that, and other countries have lower to no age requirements at all. Lowering the drinking age will cause more problems than fixes. Alcohol causes many problems in the society we live in today. Not only does it affect a person’s mental health, but it also harms a person physically. Alcohol is not friendly to the human body. It can affect how many different organs function, including the brain. If the drinking age were to be lowered younger people wou ld be exposed to these harmful side effects. Another problem that is going to happen if the legal alcohol intake age was lowered is the number of alcohol related accidents will rise past the current rate: â€Å"In 2006, 26% of the drivers involved in fatal crashes in each age group had some alcohol† (Fell). Alcohol also is involved in many other activities that could be harmful to an impaired person and then could result in death. With the drinking age set at twenty-one,Show MoreRelatedLowering the Drinking Age1523 Words   |  7 Pages According to Andrew Herman, â€Å"Each year, 14,000 die from drinking too much. 600,000 are victims of alcohol related physical assault and 17,000 are a result of drunken driving deaths, many being innocent bystanders† (470). These massive numbers bring about an important realization: alcohol is a huge issue in America today. Although the problem is evident in Americans of all ages, the biggest issue is present in young adults and t eens. In fact, teens begin to feel the effects of alcohol twice asRead MoreNot Lowering the Drinking Age1642 Words   |  7 PagesBryan Blejski ENG 101-010 Ms. Abbott 28 July 2011 Not Lowering the Drinking Age Many teenage deaths in the United States are caused in some way by the influence of alcohol; however, many people still believe that the legal drinking age should be reduced to eighteen. This issue has been going on for years, but the law has not been changed since the change to twenty-one in 1980. States have become stricter about preventing under-age drinking, but teenagers have no problem getting alcohol. There areRead MoreLowering the Drinking Age1223 Words   |  5 Pagesâ€Å"What we’re doing now to prevent underage drinking isn’t working; it’s time to try something else.† Although many people argue that the National Minimum Drinking Age Act of 1964, which lowed the drinking age from eighteen to twenty one, was a good idea. David J Hanson a professor in the State University of New York believed that something needs to be done to make the United States a safer place to live. Is it fair that people in the United States can serve in the military, vote in elections, serveRead MoreLowering the Drinking Age1576 Words   |  7 PagesComposition I April 6, 2014 Why the Drinking Age Should Stay at Twenty-One The United States drinking age throughout all 50 states has been the same since 1984 when a law was put in place by the U.S. Congress punishing all states who did not abide by the legal age limit of 21. Since this law was put into place, it has become one of the most widely studied laws in history. While there are many arguments and new bills being created to reduce this age, especially among college universitiesRead MoreLowering The Drinking Age1336 Words   |  6 PagesStudies show that keeping the drinking age at twenty-one improves lives. When the United States raised the age limit to twenty-one in 1985, a shortage of drinking occurred at a whopping 40% by 1991. As a result, fewer students drop out of high school, less motor accidents occur, and suicides rates dropped significantly. However, lowering the drinking age to eighteen will bring serious consequences on young adults by reversing these statistics. Lowering the drinking age will cause significant healthRead MoreLow ering The Drinking Age Of The Age981 Words   |  4 PagesHowever, there are those who remain persistent in their requests to drop the drinking age to a slightly lower option. Opposition to the legal drinking age of twenty-one has shown to have some support from mostly younger groups of people, without much validation as to why a lowered drinking age would be beneficial to our country as a whole. Yet, there are still some interesting arguments for those in favor of dropping the age at which it is legal to drink to eighteen. Consider how many young adults chooseRead MoreLowering The Legal Drinking Age903 Words   |  4 Pageshelp myself get a better understanding about how others feel about lowering the legal drinking age in the United States and to better understand what role alcohol plays in people’s lives. The first question I asked for in my survey, was what the participant’s age was. I used this question to see if there was a difference on how different generations felt towards lowering the legal drinking age. I was expecting more people over the age of 25 to take the quiz because I didn’t know if younger adults wouldRead MoreLowering The Minimum Drinking Age1380 Words   |  6 PagesOnce a person reaches the age of 18, they are allowed to tattoo their bodies, smoke tobacco, gamble and even enlist if they wanted to! As an adult, they want to be treated as one but how can they feel like an adult if hanging around with their friends and drinking beer while watching TV is illegal ? Of course, that does not stop them, though. The United States is one of the few countries in which still have such a high minimum drinking age. Although most people think young adults (18-year olds) areRead MoreLowering The Minimum Drinking Age1429 Words   |  6 Pagesand Thailand are others – with a minimum drinking age over 18† (Griggs, 1). When Ronald Reagan signed the National Minimum Drinking Age Act in 1984, its goal was to reduce less-mature adults from consuming alcohol and performing reckless acts (Cary, 1). However, despite the current drinking age, 17.5 percent of consumer spending for alcohol in 2013 was under the age of 21. It is estimated that â€Å"90 percent of underage drinking is consumed via binge drinking†¦with alcohol abuse becoming more prevalentRead MoreLowering The Legal Drinking Age857 Words   |  4 PagesAs we know, the United States has the highest drinking age in the world. By 1988 the entire U.S had adopted the Federal Unifor m Drinking Age Act, which set the drinking age to twenty-one. However, in 1920 the United States banned the sale, production, importation, and transportation of alcohol. This era known as the Prohibition sparked the popularity of hidden underground bars and events. The Prohibition Era is a prime example of how people did anything to intake alcohol and eventually this led

Fsibl Free Essays

Introduction Islamic Banking in Bangladesh There are currently seven commercial banks operating under Islamic principles. They are: 1. Islami Bank Bangladesh Limited, 2. We will write a custom essay sample on Fsibl or any similar topic only for you Order Now Al-Arafah Bank Ltd. 3. Social Investment Bank Ltd, 4. Exim Bank Ltd, 5. Shahjalal Islami Bank Ltd. 6. Icb Islamic Bank Ltd 7. First security Islami Bank Ltd. HISTORICAL BACKGROUND First Security Islami Bank Limited (FSIBL) was incorporated in Bangladesh on 29 August 1999as a banking company under Companies Act 1994 to carry on banking business. It obtained  permission  from Bangladesh Bank  on 22  September 1999  to commence its  business. The  Bank  carries banking activities through its Fifty Three (53) branches in the country. The commercial  banking activities of the bank encompass a wide range of services including accepting deposits,making  loans,  discounting bills, conducting  money transfer  and  foreign  exchange  transactions,and  performing other related services such  as safe  keeping,  collections  and  issuing  guarantees,acceptances and letter of credit. At the beginning, FSIBL started their business with traditional commercial banking services. However, from 2008 they converted their business to Islamic Banking with Islamic Shariah Act. The FSIBL has played a pioneering role in shaping the future of the Banking industry inBangladesh since its inception. The Bank started in 1999 with 14 branches and now it has 53  branches in Bangladesh and recently the bank introduce an Exchange House in Canada. The Bank also maintains a comprehensive correspondent relationship with top ranking banks. FSIBL has already started their on-line, SMS and ATM banking facilities for their clients. 2. 2 Vision of the Bank Wherever you are, you can Bank with us† is the motto of  First Security Islami Bank. FSIBL is  prepared to meet the challenge of the 21st century well ahead of time. To cope with the challengeof the new millennium it hired experienced and well-reputed banker of the country from theinception. The  bank  has  efficient  and  dedicated  professional  and  equipped  with  modemtechnology to provide the best service in the need of the people and thus to realize its vision. Sothe Bank defamed its Vision: ‘to be the most efficient Islamic Bank in terms of customer service  profitability and technology application’ Mission To develop deliver the most innovative products, manage customer experience, deliver qualityservices that contributes to brand strength, establishes a competitive advantage and enhances  profitability, thus providing value to the stakeholders of the bank   2. 4 Goal of the bank To  exceed customer expectations through  innovative Islamic financial products   services  andestablish a strong presence to recognize shareholder’s expectation and optimize their rewardsthrough dedicated work force. . 5 Special Features of FSIBL †¢ All activities of FSIBL are conducted under a profit/loss based system according toIslamic Shariah to get the nation rid of Usury. †¢ Its investment policies under different modes are fully Shariah compliant and wellmonitored by the board of Shariah Council. †¢ FSIBL  has  included  online  banking  in  its wide  range  of  services. Bangladeshisoftware has been introduced in this feature to  promote t he local developers. †¢ FSIBL regularly arranges its AGMs (Annual General Meeting). Whenever neededEGMs (Extraordinary General Meeting) are also arranged. †¢ They believe in providing dedicated services to the clients imbued with Islamic spiritof brotherhood, peace and  fraternity. †¢ The bank is committed towards establishing a welfare-oriented banking system tomeet the needs of low income and underprivileged class of people. †¢ The Bank upholds the Islamic values of establishment of a justified economic systemthrough social emancipation and equitable  distribution of wealth. †¢ Following  the  Islamic  traditions,  it  is  assisting  in  the  economic  progress  of  thesocially  deprived  people;  in  the  creation  of  employment  opportunities  and  in  promotion of rural areas to ensure a balance development of the country. 2. 6 FSIBL’s Inter Division and  Branch Coordination All  the  53  branches  are  computerized  under  distributed  server  environment. Another  few  branches are  planning  to open  in near  future. FSIBL has  already started their on-line, SMS andATM banking facilities for their clients. FSIBL  have  set  up  Wide  Area  Network  through  Radio,  Fiber-Optics  Ã‚  other  availablecommunication media systems to provide any branch banking to their customers. Customer of  one  branch  is  now  able  to  deposit  and  withdraw  money  at  any  of  our  branches. 2. 7 Online Banking FSIBL  Online  banking  application  addresses  the  needs  of  small,  individual  and  corporateaccount  holders  of  the  bank. This  application  provides  a  comprehensive  range  of  bankingservices that enable the customer to meet most of their banking requirements over the Net at any  branch. . 8 SMS Banking SMS banking  is a  technology-enabled  service  offering from  banks to  its customers,  permittingthem to operate selected banking services over their mobile phones using SMS messaging. FirstSecurity Islami Bank Ltd. has officially launched SMS banking service from Decem ber 17,2007. 2. 9 Merchant Banking FSIBL’s Merchant Banking Group is strongly positioned to offer perfect financial solutions itsclient’s business. They specialize in the arrangement of various forms of Foreign CurrencyCredits for Corporate. FSIBL provide the resources, convenience and services to meet its clients’needs by arranging Foreign Currency credits through:†¢ Commercial loans†¢ Syndicated loans   Lines of Credit from Foreign Banks and  Financial Institutions†¢ FCNR loans†¢ Loans from Export Credit Agencies†¢ Financing of Imports. 2. 10 Product and Services In the memorandum and articles of association of the First Security Islami Bank is revised itsarea of operation is clearly written. The product of FSIBL is targeted to fulfill that aim. The  product and services that are currently available are given below: †¢ Depository Products First Security Islami Bank is now offering 09 depository products for mobilizing the savings of  the general people. There are also emphasizing on non-fund business and fee based income. Bid  bond/ bid security can be issued at our customer’s request. FSIBL is posed to extend L/C facilities to its importers / exporters through establishment of  correspondent relations and Nostro Accounts with leading banks all over the world. †¢ Loan Products First Security Islami Bank offers a wide range of loan and advance product to the client for  financing different purpose that fulfill the requirements of the bank and have good return to theinvestment as well as satisfy the client. †¢ Other Product and Services The bank has its concentration for new product and services development for satisfying itscustomer and increasing its customer base. They prefer now faster service with least cost. For  delivering faster service the bank has introduced online banking service. There are other productsand services that FSIBL has introduced. They are: * Online Banking Services * Locker Services * Utility Bills * ATM services FLUCTUATION OF SHARE PRICE (ONE YEAR) BALANCE SHEET ANALYSYS 3. 1. 5 Types of Investment Facilities The Bank’s Policy is to introduce diversified / new types of Products / Product derivativesalong with usual Banking Products. At present the Bank offers the following facilities: i. Investment  / Deployment of Funds: a. Bai-Murabaha  (Deferred  Lump  Sum/  Installment Sale)  b. Bai-Muajjal  (Deferred  Installment /  Lump  Sum  Sale)c. Ijara (Leasing)d. Musharaka (Joint-Venture Profit-Sharing)e. Mudaraba (Trustee Profit-Sharing)f. Bai-Salam  (Advance  Sale and  Purchase)g. Hire-Purchaseh. Direct Investmentsi. Post  Import  Investment  j. Purchase  and  Negotiation of Export Billsk. Inland Bills  Purchasedl. Murabaha  Import  Billsm. Bai-Muajjal Import Billsn. Pre Shipment Investmento. Quard-ul-Hasan (Benevolent Investment) KYC Concept The Investment Officers/RM must know their customers and conduct due diligence onnew borrowers, principals and guarantors to ensure such parties are in fact who theyrepresent themselves to be i. e. , Know  Your Customer (KYC). The Banker – Customer relationship would be established first through opening of CD/STD / SB accounts. Proper introduction, photographs of the account holders / signatories,  passport,  Trade  License,  Memorandum  and  Articles  of  the  Company,  certificate  of  incorporation, certificate of commencement of business, List of Directors, resolution, etc. i. e. all the required papers as per Bank’s policy and regulatory requirements are to beobtained at the time of opening of the account. A declaration regarding approximatetransaction to the account is to be obtained during opening of account. Informationregarding  business  pattern,  nature  of  business,  volume  of  business  etc. is  to  beascertained. Any suspicious transaction must be timely addressed and brought down tothe notice  of  the Head  Office /  Bangladesh Bank  as  required  and  also  appropriatecorrective measures to be taken as per the direction of Bank Management/BangladeshBank SWOT analysis Strength Diversified ownership pattern Strong market share Good Financial performance Good investment portfolio Comfortable Liquidity position Experienced management team Sound HR development programmes Improvement in automation Wide branch network Significant involvement in corporate social responsibility Weakness: Unmatched asset versus capital growth Limited delegation of power Limited modern customer service facilities Moderate recovery of rescheduled investments High large investment exposures Initial stage of system based internal control procedures Opportunities: Investment in SME and Agro based industry Real time online banking Credit card in dual currency Creation of Islamic Money market product Introduce above 5 years Islamic bond Threats: Market pressure for increasing the SLR Overall liquidity crisis in money market Government pressure to reduce investment rate Increase the capital adequacy position Findings * Most of the costumers do not know the regulations of the investment modes. * Shortage of human resources in Investment Section. * Deposit schemes favoring to the customers. * Senior level executives should be more cooperative with the subordinates. * Regarding security service of the bank, account opening and closing system, phone query, cash withdraw and deposit facility, credit profit rate, online banking, external and internal environment are satisfactory to the customers. Most of the customers are service holder and businessman; they like to come to FSIBL because near to residence / office / work place, better service, easier banking procedure. * Employees of the bank are more cooperative with the customers. * Employees of the bank have good knowledge to solve the queries of the customers. * According to the customers opinion more ATM booths needed to be setup in different places. Acco rding to the data analysis customers feeling about banking in FSIBL are very satisfied. Recommendations Different types of products and services are available in FSIBL but clients are not concerned about that so advertisement and promotional activities should be increased. * Increasing more deposit schemes under consumer banking. * Providing prompt service in account opening. * Now a day, the online banking service is very much popular in all over the world, so the bank should try to develop in this side. * FSIBL should increase Debit card ; credit card facilities. * SJIBL online service should be fast ; accurate. The website of SJIBL is not good enough; most of the pages are under construction. The page should be constructed as soon as possible. * Should increase the ATM Booths. * More manpower is required to run the business smoothly. * Employee trainings and workshops should be administered in order to give them knowledge and professionalism in customer interactions. They should be taught about how to deal with the problem of customers and problematic situations. * Physical and technological facilities should be increased in evaluating credit proposals. Experienced and expert personnel should be kept within the bank, which will lead to a quality selection of clients * SJIBL should more focus on customer needs. They need to concentrate more on their existing services and product innovation. * A yearly conference with the employees should be arranged where they will exchange their views with the management about different aspects. This will help to increase the efficiency of the employees. * Prompt service should be given to the customers. In this regard arranging job rotation regularly for employees to improve the skills in different types of service. This will increase the efficiency of the service. * More emphasis should be given on the customers’ complaint. * Informal training can be a way to improve the skills of the employee. Allocating job responsibility to the employees according to their profit. * Try to create a good image to customers through different promotional tools Conclusion First security Islami Bank Limited is one of the leading Islamic sharah based commercial bank in Bangladesh. FSIBL is committed to provide excellent service to its valued customers. The management of FSIBL always gives special efforts to uphold the interest and trust of their customers. By providing excellence service and special effort First Security Islami Bank has placed itself to a strong position among all the banks. The main focus of FSIBL is to concentrate on the consumer demand, which differentiates FSIBL with other banks. FSIBL has been successfully created a brand image Islamic sharah based in the market and is maintaining a strong position in the market. But still it has some weakness, which can be easily overcome. FSIBL has much more potential to explore the existing market. So, to be the number one forever they have to be very perfect in their business. How to cite Fsibl, Essay examples

China and USA on Media Censorship-Free-Samples-Myassignmenthelp.com

Question: Compare the Media Censorship of China and USA. Answer: Introduction Censorship of internet content takes place in many shapes ranging from government blocking the dissemination of political opinion to blacklisting the pornographic private website. According to ONI data, Iran is ranked as the worlds worst country in term of filtering political, social and internet tools. After Iran, China was ranked due to strict rules relating to social and internet tools. On April 12, Chinese users were cut off from international websites, probably due to a reconfiguration of the firewall. In 2014, China stood at number third from last place for internet censorship (Linder, 2016.). On the other hand, The U.S. possesses protection of freedom of speech and expression in opposition to federal, state, and local government censorship. US provide ample of freedom in terms of media. These fortifications expand to the Internet, though; the U.S. government has suppressed websites. While comparing the media censorship with China, USA has more liberty and allows audience to h ave a free access. As per the report published by Reporters without Border United States stands at 41st place in the world out of 180 countries in requisites to their Press Freedom Index from 2016; whereas Reporters without Borders has mentioned China's press position as "very serious". They have rated it worst on their five-point scale (Xu, Mao and Halderman, 2011). China and USA- Censorship of Internet Internet censorship in China is severe due to a wide mixture of laws and administrative regulations. The Government has created More than sixty Internet regulations which have been implemented by local branches of state-owned ISPs, companies. China Internet control policy is considered to be more extensive and more sophisticated than in any other country in the world. The governmental authorities in China not only block website content but also watch the Internet access of persons. Due to this the China internet is referred "The Great Firewall of China." As reported by the Amnesty International China has the largest documentation number of imprisoned journalists and cyber-protester in the world"(Guo and Feng, 2012). Internet censorship in the USA is the containment of in turn published or vision on the Internet in the United States. Government possesses security of freedom of speech and expression against federal, state, and local government censorship. Censorship is still alive and finely practiced in the United States. The Government is supposed to behave cleverly in term of providing freedom of free internet usage. Western efforts to organize the Internet meantime have gained Chinese solutions over time. Western governments, together with the United States, show stepping efforts to censor Internet search results as per the transparency report" published by Google (Robbinson, 2017). China and USA- Censorship of News Media organizations are supposed to meet the public interest. Occasionally that's at probability with the corporation owners who manage conventional media voices. Media censorship reminds of the government way to alter or ban the news. In USA, even the government bodies are raising censorship issues by keeping little news from reaching to the public. In the recent time, the outburst of citizen journalism and internet stage has created a way for the news to reach people in a much easier way. Recently The National Press Club has condemned Donald Trumps barring selected media outlets from a White House press conference. This is a true incidence of an unparalleled act intensely distressing (Flew, 2007). The government in China is banning the rights of news house to converse information. They have full control over the website and in case in any of the news channel not adhering to the guidance are banned from further publication. Chinas constitution has allowed citizens to enjoy freedom of speech and press, but the murkiness of Chinese media regulations permits authorities to breakdown on news by asserting exposure to state secrets (Xu, 2017). China and USA- Censorship of Art Censorship comes in many forms. By censoring the art the government tries to restrict artists from expressing any radical idea. Throughout 2016 in the beginning of 2017, the United States has seen manifold cases of censorship of art in public spaces and schools. The US government and local bodies has been censoring Murals on public walls on policies on the productions of plays and musicals. They have been targeted due to multiple reasons due to their content (Chadwick and Howard, 2010). Whereas in China, the censorship of Art is a big challenge and the prominent Chinese artists are regularly censored and compulsory asked to comply with government restrictions. Ai Weiwei is one of the artists who have been censored, berated, arrested, and exiled, due to his artistic career. Their artistic careers are generally been derailed by an overzealous government. This has been restricting free speech and free artistic appearance by the average person. Although Globalization has hit the country increasing opportunities of Capitalism and foreign investment but the artists are still not free to create of their choice. First and foremost the matter related to the politics is being mostly censored and forcefully forbidden by the government authorities (Wise, 2016). Conclusion To conclude, internet is normally observed as the widely used source of exchanging information. Nevertheless, the freedom and democracy on Internet is mostly questioned about. Pornography and abhorrence literature are usually used to entice Internet surfers concentration to generate profits. By representing the rights of the community and the authority of a state the internet censorship has become effective. The government has the total liability to censor the internet consequently as to defend citizens from destructive and fake information. In the recent time the government bodies are keeping a check over the possible fester of social and ethical principles. By Internet censorship the government in both the countries are carefully keeping an eye on the freedom of people. Censoring the Internet would affect the public to communicate. Owners of Internet should be acquainted with of the probable in order and public that can be established in this medium. Censorship is not desirable as a whole in any country due to its ill-effects on public opinion. Censorship should not be cost at the freedom of expression of people in any country. References Chadwick, A. and Howard, P.N. eds., 2010.Routledge handbook of Internet politics. Taylor Francis. Flew, T., 2007.New media: An introduction. Oxford: Oxford University Press. Guo, S. and Feng, G., 2012. Understanding support for Internet censorship in China: An elaboration of the theory of reasoned action.Journal of Chinese Political Science,17(1), pp.33-52. Linder, A.2016. China ranks dead last in internet freedom survey for second straight year. Viewed 18 August 2017, https://shanghaiist.com/2016/11/16/internet_freedom.php Robbinson, P L.2017. White House media ban is unconstitutional censorship, America's National Press Club warns, Viewed 18 August 2017, https://www.independent.co.uk/news/world/americas/white-house-donald-trump-media-ban-deeply-disturbing-cnn-new-york-times-national-press-club-a7599006.html Wise, S.2016. 10 Crazy Ways China Censors The Internet, Viewed 18 August 2017, https://listverse.com/2016/02/13/10-crazy-ways-china-censors-the-internet/ Xu, X., Mao, Z.M. and Halderman, J.A., 2011, March. Internet censorship in China: Where does the filtering occur?. InInternational Conference on Passive and Active Network Measurement(pp. 133-142). Springer, Berlin, Heidelberg. Xu, B.2017. Media Censorship in China, Viewed 18 August 2017, https://www.cfr.org/backgrounder/media-censorship-china