Albuquerque vs. Isleta Pueblo Water Case free essay sample

Much of the arsenic being delivered to the Pueblo through the Rio Grande come from the groundwater running through the Jemez Volcanic Field added more arsenic. In 2002, the Isleta Pueblo amended its water quality standards. The Tribe’s new water quality standards were recently approved by the EPA, and have been set into law. The City did not have to spend huge sums of money to upgrade its system. However, a few glitches remain in the system. What and how is (are) the code of ethic violated by people involved (engineers, management, local authority, government) in this case?Albuquerque sewage treatment plant meets all applicable Environmental Protection Agency (EPA) regulations including the standard for arsenic concentration in the river. Any peoples or municipality who want using river water for drinking must treat the water first. Albuquerque has violated the code of ethic because of their sewage treatment plant bring the problem to the peoples. We will write a custom essay sample on Albuquerque vs. Isleta Pueblo Water Case or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Under National Society of Professional Engineers (NSPE) code of ethics and the American Institute of Chemical Engineers (AICHE) also state that engineers shall hold the paramount the safety, health, and welfare of he public and protect the environment in performance of their professional duties. Although they have their right according to the federal law, they actually must protect the environment and healthy of the people first. They know that the Pueblo used water directly from Rio Grande River for drinking during religious ceremonies and also has been used by the peoples that live near the river. What guidance might one (or more) of the engineering society codes of ethics provide in handling or preventing the event from happening? The conflicts of Albuquerque vs.Isleta Pueblo are about conflict mediation, and to the distribution of water. Traditionally, the Pueblo used water directly from the river for drinking during religious ceremonies. The pueblo is on the banks of the Rio Grande, downstream from Albuquerque metropolitan area, which contains approximately 650,000 peoples. In 1992, the Isleta Pueblo, south of Albuquerque, New Mexico, became the first tribal entity to be approved to create its own water quality standards. The tribe’s adoption of new water quality standards in 1992 was a distress for the Albuquerque and its treatment facility.To fulfill with the Pueblo’s arsenic standard could cost the city an additional $300million in plant upgrades. In this case, one of the most important issues has been environmental protection and the rise of the environmental movement. Engineers are responsible in part of creation of the technology and also working to find solutions to the problems caused by modern technology. The environment movement has led to an increased awareness among engineers that have responsibility to use their knowledge and skills to help protect the environment.According to American Society of Mechanical Engineers (ASME), engineers shall consider environmental impact in the performance of their professional duties. Engineers must concern themselves with the impact of their plans and designs on the environment. When the impact is a clear threat to health or safety public then the guidelines for this fundamental Canon revert to Canon 1 where engineers shall hold paramount the safety, health, and welfare of public in the performance of their professional duties. Professional codes of ethics tell us to consider sustainable development in the performance of their professional duties.Engineer shall consider development that meets the needs of the present without compromising the ability of future generations to meet their own needs. When the impact of the trade off between economic, ecological and social issues forms a clear threat to health or safety of the public, then the guidelines from this Canon revert to those of Canon 1. Use ethical theories, (utilitarianism, duty and right ethic, and/or virtual ethic) learnt to analyze the case. Consider all possible elements that are effected in the case i. e mankind, environment and society. The different of standard quality water between the City of Albuquerque and Isleta Pueblo is the major problem in this case study. The pueblo is on the banks of the Rio Grande, which they have historically used for drinking, irrigation, religious ceremonies and all other daily used. The Isleta Pueblo really concerned about the concentration of arsenic in the river water. Previously, the Albuquerque meets all the specifications that Environmental Protection Agency (EPA) needs before the sewage treatment plant released the water into the Rio Grande.However, Isleta Pueblo did not satisfy with the quality water that discharged by Albuquerque because the tribes assumed that the water can used directly from the river. Because of this, Isleta Pueblo wants the standard of arsenic become twice and strict as the EPA regulations permit. Due to this problem, utilitarianism is the most suitable ethical theory. The Isleta Pueblo concerned about the health effects causes by arsenic. During the religious ceremonies, the tribes directly used the water from river for drinking. Apart from that, what we can see here is about duty ethics.

BASIC QUANTITATIVE ANALYSIS FOR MARKETING Essays

BASIC QUANTITATIVE ANALYSIS FOR MARKETING Essays BASIC QUANTITATIVE ANALYSIS FOR MARKETING Essay BASIC QUANTITATIVE ANALYSIS FOR MARKETING Essay BASIC QUANTITATIVE ANALYSIS FOR MARKETING BY Iatr01990 BASIC QUANTITATIVE ANALYSIS FOR MARKETING BASIC TERMINOLOGY Simple calculations often help in making quality marketing decisions. If we are to assess the likely profit consequences of alternative actions, we must understand the cost associated with doing business as well. We can calculate the expected revenue generated by each pricing strategy, but without cost information, it is not possible to determine the preferred price. The cost concepts we introduce are:- Variable cost Fixed cost Total cost We combine the cost information with price information to determine unit contribution and total contribution. This Figure is a good enough approximation of actual cost behaviour Total cost 0 The total cost line (the solid line) does not go through the origin, i. e. , for a zero output level, total cost is not zero. Fixed cost 0 We call OA the firms fixed costs. Fixed costs are those costs which do not vary with the level of output. An example of a fixed cost is the lease cost of a plant. Variable cost 0 The variable cost increases as output increases. TOTAL COST = FIXED COST + TOTAL VARIABLE COST Contribution Unit contribution = PriceUnit (P) Variable costUnit (VB) Total contribution = (P VB) * Total number of units the firm sells Total contribution = Total revenue Total variable cost Price*Total number Variable cost unit*Total number of unit sells of unit sells The total contribution is the amount available to the firm to cover (or continued to) fixed cost and profit after the variable cost has been deducted from total revenue. Example: Lets solidify our understanding of these definitions by working through he video cassette tape pricing problem. Suppose the unit variable cost k is $4; tnen assumlng tne sales Torecasts pnce = $5 Unit contribution Tor eacn prlce level given aoove are correct: -$1 Total contribution per week * Tot. number of unit sells = * 1,000 units/week= 1 . ooomeeks pnce = $6 = $6- $4-$2 Total contribution per week = $2/unit * 700 units/week pnce = $7. 50 = $7. 50 $4=$3. 50 = 1. 400/weeks Total contribution per week = $3. 50/unit *600 units/week =2. 100/weeks Since, by definition, the fixed cost associated with each output level is the same, the firm is best off by charging $7. 0 since of the three possible prices $7. 50 maximizes the total contribution. MARGIN CALCULATIONS The term margin is sometimes used interchangeably with unit contribution for a manufacturer. Margin is also used to refer to the difference between the acquisition price and selling price ofa good for a member of the channels of distribution. For example, consider Figure D, in which we have the videocassette tape manufacturer selling through a wholesaler, who in turn sells to retailers, who then sell to the public. Each of the three members of the channel of distribution(manufacturer, holesaler, retailer) performs a function and is compensated for it by the margin it receives. RETAILERS PERCENT= SELLING PRICE MARGIN TO CONSUMERS PURCHASE PRICE FROM WHOLESALER SELLING PRICE TO CONSUMERS RETAILERS DOLLAR MARGIN Note that in the denominator of Equation, we have the selling price to consumers. It would have been as logical to put purchase price from wholesaler there instead. It is only by convention that we divide by the selling price. For any member of the channel, we will always compute its percentage margin by dividing its dollar margin by the price at which it sells the goods. BREAK-EVEN VOLUME The BEV is the volume at which the firms total revenues equal total cost; below BEV, the firm has a loss; above BEV, the firm shows a profit. How many units must be sold to cover cos ts- we can ootaln tne answer Dy arawlng a total revenue line as In Hgure F. The point at which the total revenue line cuts the total cost is BEV. BEV = FIXED COST / (PRICE UNIT VARIABLE COST) = FIXED COST / UNIT CONTRIBUTION BEV can be of help in making decisions about unit contribution (through price or variable cost changes) or the appropriate level of fixed costs for a business.

Packet Switching vs. Circuit Switching Assignment

Packet Switching vs. Circuit Switching - Assignment Example Packet switches finds it application mostly in the exchange conducted through the computer or other modern digital devices that make use of bits and packets of data. P.S.T.N enabled transmission is an example of circuit switch technology while VOIP and IP network is an example of Packet switched network(Rahman, Ellis, & Pursell, 2003). The major difference between the two is in the manner in which the information is sent. Circuit switched network has a pre defined and dedicated path for signal transmission. This dedicated transmission takes place in multiple phases starting with establishing of the call, followed by the transfer and finally the termination of link at the end of the call. While packet switch deals with node to node and does not work on the basis of pre allocated path for traffic transmission. Circuit switching relies mostly on T.D.M or F.D.M or at best on C.D.M for channel transmission, while Packet switch uses dynamic I.P network which is far more effective and can accommodate more options compared to its predecessor. Chances of contention are relatively higher in case of circuit switching mode. Routing processes in Packet switching are more concrete and hop to hop basis routing is performed which makes it easy for overall packet transmission and packets are exchanged and extended in form of store and forward mechanism(Kurose, 2005). Line efficiency of packet switched system is far better than the predecessor. In case of traffic congestion, the prioritization process can be adopted this makes the network working unlike circuit switch which is highly prone to congestion and saturation. Packets are handled either through the virtual circuits or through the data gram. Amongst these two, datagram is more flexible. Though relatively slow and limited in options, circuit switches are considered more reliable than the packet switch as the overall transmission is handled from

Womens Involvement in British Imperialism Essay

Womens Involvement in British Imperialism - Essay Example Consequently. This school of thought was much against the political freedom and equality for women. However, another band of feminists advocated for political equality, though they firmly believed in the superiority of the white race. This school of thought believed that whites were on a civilizing mission in the world through their imperialistic conquests. Despite support to racism and imperialism, they struggled for their political liberty. The third category of influential women was the suffragettes who discarded the principles of imperialism and considered it as a hurdle in the attainment of complete liberty and equality, in terms of race and gender. Campaigners for the same cause had very different perspectives, notions and tactics. (Imperialism and Gender, http://www.leedstrinity.ac.uk/histcourse/womwn/hannam/hancore.htm#part 3) Suffrage and imperialism had a very ambivalent relationship - many feminists were arch-imperialists and racists, partly because they felt that the raci al hierarchy might outweigh the sexual one, but some saw discrimination against women and the fundamental racism of colonial society as two sides of the same coin. As Du Bois and Karl Marx emphasized, capitalism has been an international system from its very beginning. The methods of operation start from identifying cheap labour, exploiting natural resources and finding the right band of consumers to sell these products. This exploitation took the form of colonization way back, a sophisticated version of slavery and plunder. Imperialism is not a stage, not even the highest stage of capitalism, it is inherent in capitalism. Imperialism is the systematic appropriation of cheap labour, resources and markets of less developed regions and countries to satiate the profit-making tendencies of the ruling regions, mostly the developed countries. Historically speaking, imperialism has racial overtones. There are various instances of racial and cultural discrimination by imperial powers. As imperialism ramified and reached a stage further, it did something that can be called one of the biggest problems that humankind has been confronted with - the overwh elming polarization of the world that has made only a small portion of the entire world population as the real beneficiaries of the utilities and facilities. Colonialism was not a phenomenon that emerged overnight as a conscious policy of Britain. As J.R. Seely, the famous historian remarked, " It happened in a fit of absence of mind." Sometimes the flag followed the trade and sometimes the trade followed the flag, but the flag ended up just about everywhere. What began as an economic quest, became a political ambition and finally an imperialist realization. The British regime was one of the most powerful imperial power till the mid 1900s. In fact, it ruled the seas! There was a time when imperial history lacked a perspective on its various dimensions. With more research and academic insights into the subjects, several complicated and convoluted observations and analyses have been made. The former perspective was very congenial to the promoters of the empire. However, it came under radical attack by liberalists like Hobson and was seen as the cause and consequence of several events and phenomena. The British hegemony was not limited to political and economic expansions, but also had a cultural dimension to it. The spectrum of cultural diversity started fading and a focus on cultural imperialism found representation.

Quantitative Techniques for Business Project Essay

Quantitative Techniques for Business Project - Essay Example This assignment studies behavior of stock prices at daily interval for the period from July 20, 1988 to July 20, 2009. Figure 1, 2 and 3 illustrate the dynamic character of stock prices respectively of companies Microsoft, Intel, and H&P. The graphical views tell us that these three stocks exhibited exponential growth from the beginning until the middle of 2000. All three stocks later dropped in prices by 30%-% 40% in about 24 moths. They never achieved the previous peak. Microsoft maintained stable prices for the rest of the period while Intel and Hewlett & Packard went through bumpy roads. The dynamic character of Apple stock was different from that of previously mentioned stocks. Figure 4 shows the asymptotic behavior of Apple stock prices from the beginning of the observation period until the middle of 1999. In the latter period, Apple stock price exhibited exponential growth until was hit by the global financial crisis of 2008. Apple’s sudden growth after the mid-1999 can be associated with the release of new products and services. The exponential growth of Microsoft, Intel and H&P stock prices from 1988 until 2000 should be contributed to the development of digital technology of that time. Thus, we can conclude that the innovation and new products influence the rise in stock prices. At the same time, irrespective of innovation, the overall market condition also causes influence on the stock prices. Figure 5 depicts S&P 500 index values from September 26, 2008 to November 21, 2008. In 41 days, the index dropped by 34%. This incident is named as the Global Financial Crisis of 2008. It caused a drop in prices of Microsoft, Apple, Intel and H&P stocks respectively by 27.69%, 35.61%, 31.13%, and 27.55%. This assignment is using time-series data of stock prices. Let Pt be the price of an asset at a time index t and P t-1 at a time t-1. We assume

The Advantages Of Online Banking

The Advantages Of Online Banking What is online banking? As we all know online banking is something that we can pay bills by mail and deposit checks at your bank branch. Online banking is becoming much more common. You can pay your bills online and access a record of your checking account transactions online. Online banking is a great feature, and most banks do offer it. Online banking makes everything you do with your finances a bit easier. You can access the information anywhere that you have access to the Internet. It makes your financial life much easier to manage. Online banking refers to systems that enable bank customers to access accounts and general information on bank products and services through a personal computer (PC) or other intelligent device such as PDA or hand phone which enable to connect to internet or WIFI (Wikipedia, 2009). Moreover, online banking isnt out of change your money habits. Instead, it uses todays computer technology to give you the option of bypassing the time-consuming, paper-based aspects of traditional banking in order to manage your finances more quickly and efficiently. The advent of the Internet and the popularity of personal computers presented both an opportunity and a challenge for the banking industry. Financial institutions have used powerful computer networks to automate millions of daily transactions; today, often the only paper record is the customers receipt at the point of sale. Now that its customers are connected to the Internet via personal computers, banks envision similar economic advantages by adapting those same internal electronic processes to home use. Online banking is a powerful value added tool to attract and retain new customers. Besides it also help to eliminate costly paper handling and teller interactions in an increasingly competitive banking environment. Literature Nowadays, a lot of entrepreneurs launch the internet payment system in worldwide and the inter banking and telephone banking system spread rapidly. This system give the advantages of being convenient, safe efficient and economical (Li, 2002). Now entrepreneurs provide online banking as add-on services to the existing b ranch acitivies whole mobile banking is in the initial stage of implementation (Sylvie Laforet and Xiaoyan Li). Safety was also reported to be a big obstacle for online payment (Wong et al., 2004). With the increasing popularity of the internet, more and more industries are seeking ways to utilize this popular medium in an effort to keep up with the changing technological preferences of their customers. These days you can do just about anything online from grocery shopping to making a free phone call to a friend in Tokyo through your PC. The possibilities of the internet are seemingly endless and the banking industry has decided that it will not be left behind. While most people have at least heard of online banking, the majority of them have probably not tried it yet. Maybe its because we find more comfort in working with real people and real paper when it comes to money matters rather than performing transactions in the seemingly impersonal universe of the World Wide Web. Whatever the case may be, there are both advantages and disadvantages to online banking as a safe way to quickly and efficiently manage your finances. Howcroft et al. (2002) revealed that younger consumer value the convenience or time saving potential of online and mobile banking more than older consumers. Young consumers also regarded the lack of face-to-face contact as less important thean older consumers. They also found among the reasons for consumers to be reluctant to use online services were concerns over security, lack of awareness of online services offered by banks and complex bank sites. The evolution of the bank Web presence is simple web presence (Staticpages with general information about the bank), off-line interactive site (Customized contact with the client; online communication through e-mail) and internet banking services (Online transactions). Sathye (1999) investigates internet banking adoption by Australian consumers and identifies security concerns and lack of awareness as the main obstacles to adoption. Cheng et al. (2006) found perceived web security to be significant determinant of customers acceptance of online banking. Customers tend to increase purchase only if they perceive that credit card number and other sensitive information is safe. Websites are essentially a type of information technology. Direct confrontation is an internet transaction platform. Shopping websites allow customers to choose products based on their own needs and provide businesses with transaction platform through interactive communications to fulfill the transaction (Grace T.R Lin and Chia-Chi Sun, 2009). Entrepreneurial businesses are recognized as more informationally opaque than large and more established firms, and the collection of private information is costly (Ang, 1991). Online banking allows entrepreneurs to lower the transaction costs, incurred by transportation for instance, and access physically distant multiple lenders with much lower searching costs (Liang Han, 2007). Although online banking service is long introduce is western countries and widely used. However, in Malaysia, online banking is not so popular and online being used by certain sector. This might because of technology, knowledge of internet and trust among the consumer and businessman. Types of business using online banking are Bank, E-commerce, Online Game, Public Sector, and Private sector. Bank The concept of online banking rise from the Global Finance Houses whose primary objective was to ensure that customers were tuned to their finances from any part of the world. In Malaysia, Online banking is being introduced during year 2000 (b.shanmugam, 2000). Malaysia had started to introduce online banking to it nation through Maybank. However, during that time, internet is not so popular used and the online banking service is gone through wireless application protocol (WAP). Many complaints are received during that time due to the transmission of data is very slow. However, it has being improved after the encouragement of using broadband by Malaysia government. By introducing online banking in bank, the major functions of online banking is using for transaction. It enables customers to transfer their money to their account or other peoples account. As a result, customers no longer have to bring big amount of money walking around the street. What they just need to do is just one c lick in front of home computer (bankrate.com, 2009), for example CIMB clicks and Maybank2u.com. Beside from that, customer also can use online banking for payment. As online banking is functioned 24hours every day, user can pay their bills any time anywhere as long as connected to internet (Gerard, Cunningham and Devlin, 2006) and the proper function of the bank website. By the way, customers also can check there account status through online banking and any transaction that had being done before. Because of these conveniences, customers no longer have to queue up at the counter to wait for their turn. A part from that, ATM (Baba Prasad, Patrick Harker, 2009) also considers as one of the online banking system where is enable customer to withdraw money, payment, transaction and account checking. E-commerce Beside from the Bank are using the online banking, e-commerce sector also using online banking for their transaction of payment. Nowadays, more and more online store are available in the in the internet such as and many young generation are preferring for online purchasing. Every payment or transactions of money are done through online banking idle through ATM machine or personals computer. Online Game, Public Sector, and Private sector Nowadays, online games also provide online banking service for their customers to top up the credits or purchasing item for their online games. From what can be seing, many online banking website consist of online games advertisement and there will be a column for customers to top up. Beside from that, public sector such as government and private sector such as supermarket or own business also connected with online banking whereby to save time and cost (Banco Bank, 2009). With this service, any corporations or government sector can transfer any of money to others easily and all the transaction will be transfer in data form. Method Online banking products and services can include wholesale products for corporate customers as well as retail and fiduciary products for consumers. Ultimately, the products and services obtained through online banking may mirror products and services offered through other bank delivery channels. Some examples of wholesale products and services include (National bank of America, 1997): Cash management. Wire transfer. Automated clearinghouse (ACH) transactions. Bill presentment and payment. Examples of retail and fiduciary products and services include: Balance inquiry. Funds transfer. Downloading transaction information. Bill presentment and payment. Loan applications. Investment activity. Other value-added services. National banks of America have experimented with various forms of online banking for many years. Some of the early experiments involved closed systems where the customers accessed banks through a dial-in or cable TV connection. These systems limited a banks potential customer base because they required out-of area customers to either incur long-distance charges on their phone bills or subscribe to a particular cable TV service to access the bank. With the widespread growth of the Internet, customers can use this technology anywhere in the world to access a banks network. The Internet, as an enabling technology, has made banking products and services available to more customers and eliminated geographic and proprietary systems barriers. With an expanded market, banks also may have opportunities to expand or change their product and service offerings. Besides, now the most services that the companies use are; easy account maintenance, online bill payment, online balance transfer, accou nt alerts, rewards for going paperless. Easy Account Maintenance Online banking makes it easy to keep track of your balance and the activity of your accounts. For those who have multiple accounts with the same bank, many online banking systems allow for you to see the balances of all of your accounts on a single screen. You can also easily go back and forth between your accounts and monitor their activity with little to no hassle. Online Bill Payment Probably the most widely used advantages of online banking is the ability to pay bills online. Most online banking systems feature this capability, allowing for you to enter in your account information for your billers, to pay them directly from your bank account. A lot of banks even allow for recurring payments to be set up for those bills that remain the same each month such as mortgage, rent, car, and personal loan payments. Depending on the relationship your bank has with the biller your payments can be automatically debited from your account or an electronic check may be drafted and mailed to the biller. Any ways you look at these are all advantages of online banking: save you time, save money on postage, and provide the opportunity to avoid late fees with careful planning. Online Balance Transfer At some point you may find that you have to make a purchase and do not have enough in your checking account to cover it. However, you may have the funds needed in another account such as a savings account. One of the advantages of online banking is the ability to transfer funds from one of your accounts to another. This online banking feature helps to prevent insufficient funds, return check, and overdraft fees on your account(s). A word of advice about transferring from your savings account, try to keep this type of online banking activity to a minimum. Federal regulations prohibit an excess of six transactions from occurring on a savings account within a billing cycle. Account Alerts Another one of the advantages of online banking is the availability of setting up account alerts. Some banks offer account alert set up, where an email or even text message can be sent to you based upon certain criteria you select. For example, if you have a recurring bill payment where an electronic check is drafted and mailed, you could set up an alert to be sent to you advising when the bank has mailed out the payment. Other alerts include, weekly activity alerts, statement alerts, and low balance alerts. These alerts work to make monitoring your account easier. Rewards for Going Paperless All of the focus on going green these past few years, the last in the advantages of online banking list deals with rewards for going paperless. A lot of banks offer rewards in the form of rewards points or cash to help reduce the amount and cost of paper consumption. By opting to receive your bank statements online, increasing the use of online bill payment, and using your bank card more frequently your rewards could rack up significantly and youd be helping out the environment in the process. Improvement Online Banking Essential Security Measures Financial institutions and businesses are studying various approaches to the online banking security problem. The idea behind all the solutions is to include some extra layer beyond the user name and password that would act as a barrier to account access. The most popular approach that is used widely in corporate settings, involves physical objects that serve as keys. Most have focused on solutions using software, which might offer some improvement in security at much lesser cost. Bank of America began introducing a software-based program designed to prevent crooks from impersonating either a bank customer or the bank itself. Financial institutions and corporations engaging in any form of Internet banking should have effective and reliable methods to authenticate their customers. An effective authentication system is necessary for compliance with requirements to safeguard customer information, to prevent money laundering, to reduce fraud, to inhibit identity theft. The risks of doing business with unauthorized identified persons in an Internet banking environment can result in financial loss and reputation damage. There are a many different technologies and methodologies financial institutions can use to authenticate their customers. These methods include the use of customer passwords, personal identification numbers, digital certificates using a public key infrastructure, physical devices such as smart cards, or other types of authentication methods. Existing authentication methodologies involve three basic features: à ¢Ã¢â€š ¬Ã‚ ¢ Something the user knows (e.g., PIN, Password); à ¢Ã¢â€š ¬Ã‚ ¢ Something the user has (e.g., ATM card, smart card); and à ¢Ã¢â€š ¬Ã‚ ¢ Something the user is (e.g., biometric characteristic). Authentication methods that depend on more than one mechanism are more difficult to breach than single-feature methods. Accordingly, properly designed and implemented multi-feature authentication methods are more reliable and stronger to deter fraud. For example, the use of a login ID and password combination is a single-mechanism authentication (something the user knows) whereas, an ATM transaction requires a multi-feature authentication which is something that the user possesses (example: the ATM card) combined with something the user knows (example: PIN). Financial institutions offering Internet-based products and services should have reliable and secure methods to authenticate their customers. The level of authentication used by the financial institution should be at par level with the risks associated with those products and services that are offered. Risk assessments that indicate the use of single-feature authentication is inadequate, financial institutions should implement multi-feature authentication, layered security, or other controls to reduce or eliminate any risks. Another tip for banking online is to be very aware of Internet banking security. Identity theft is a real and growing problem today. As such, you need to be highly protective of your personal account information whenever doing transactions online. Make sure you never give personal information out over the Internet unless you are connected to a secure site. Also, store your access information in a secure place. Routinely check your computer for spy ware and viruses, protecting your identity this way as well. The important security feature you will want to make sure is in place with your online bank is encryption. Verify that the banking portal has high-end encryption software in place. If not, it might be advisable to choose a different banking option. You can verify this by looking for the graphic, which is usually located at the bottom right of the browser that signifies the encryption is in place. Last tip about Internet banking is to remember that some procedures are still affected by the business hours of the bank. Even if you transfer a balance at 8:00 PM, it may not show up on your account until the next business day. Plan your transactions accordingly if you are working on a tight budget. Use the Internet to shop for the best banking options. Check interest rates on loans and savings accounts online. The Internet can be a great tool in helping you secure the best possible banking services to meet your needs. The history of Internet banking has come a long way over the last six years, and it is only going to get better! Get connected to Internet banking today. Outcomes The Advantages of Online Banking. There is huge competition in online banking service in market and the new entrants into the services are providing huge benefits. First, online banking is convenient. It allows you to perform transactions, pay bills and check balances 24 hours a day, 7 days a week. The bank virtually never closes because it is as accessible as your PC or laptop computer. No matter where you are in the country or in the world, you can visit your online bank and handle money matters. You can even schedule to pay several payees ahead of time rather than keeping up with paper bills or trying to remember when to visit a payees web site to make an online payment. Your bank will automatically send the payments on your behalf in the amounts and on the dates you specify. For example, online bill payment is easier and less expensive than generating and mailing a paper check. Your bank may offer free bill pay services; if so, this saves the expense of ordering checks and buying stamps. Checks will be generated and mailed by your bank at your authorization. Plus, the checks will have the vendor names directly on your bank statements, next to the amount of the check and check number. This is not true for traditional checks. Meanwhile, online banking is also opposed by traditional bankers because a huge percentage of profit is taken away by the portal providers and the bankers are left to play as brokers who bring two parties together. But there are many online services provided by online banking that eased the customers and the banks. The transactions provided by online banking are cheap as compared to branch service and phone transactions. It is easy to set up a bank and the customers get wide range of banking options online. Online banking services include the provisions for ATMs and anytime anywhere anyhow banking that is also called Martini Banking. The automated service of online banking helps customers to easily set up an account and withdraw money at any time. The customers can get a mini bank statements and balance inquiry through ATMs that are widely available even in remote locations. The online banking service reduces traveling cost of the customer and anytime requirement of money is fulfille d. Many billings can be done from home; office through online banking and shopping can be done without carrying heavy cash in pocket. Banks are benefited from online banking as the overhead operation cost gets reduced and repetitive paper tasks can is prevented. The automated systems have better efficiency and control on a job and a proper documentation of all transactions can be availed anytime by the banks. Thirdly, online banking is fast, efficient and effective. Through the internet, transactions are typically performed and executed at a faster rate than ATMs. In addition, online banks give you the ability to handle several bank accounts such as checking, savings, CDs, and IRAs from one site. The majority of banking sites are also compatible with programs like Quicken and Microsoft Money, so as to allow for more effective management of assets. Moreover, if you need to verify your bank account balance, just signing to your banks online services. No more waiting for the bank statement or calling the bank to get your balance. To get an accurate balance, take the banks balance as shown online, subtract any outstanding checks, and add any outstanding deposits. On the other hand, easily download the transactions like banking and credit card transactions. Download banking transactions directly into our financial software as often as we like. If use the ATM card often, this is a must, because it keeps your bank balance current in financial software. So that wont have to worry about keeping all those debit card receipts. Besides that, it doesnt waste time entering credit card charges by hand download them! This is probably one of the biggest advantages of online banking, since entering credit card transactions manually can be very time consuming. It is ubiquity, because if youre out of state or even out of the country when a money problem arises, you can log on instantly to your online bank and take care of business every day. Lastly, online investment can be profitable if conducted with a bit of caution. Familiarity with a complement as well as procession of online investment is essential. Investing tiny amounts primarily helps to revoke a risk factor. Once we have been assured enough, a amounts can be progressively increased. Online investment should be finished after consummate research. Online investigate can be finished in a remoteness of your home. Other resources, similar to newspapers as well as monetary magazines additionally suggest benefit in tracking investment opportunities. The report accessible online is customarily correct as well as reliable, to confirm upon a volume of investment. The websites have been continually updated as well as a accessible report might have been posted only hours ago. Some conjectural monetary websites suggest quotes which have been merely mines old. Online report upon investment is accessible twenty-four hours a day as well as 365 days a year. While internet banki ng makes it easier for you to manage your money, it might make it easier to forget to check how much you have so you can budget. Online banking is a lot like using a credit card; the easy access makes it easier to spend without thinking about why you are spending. You can set up e-mail alerts to let you know how when your account dips below a certain number, but nothing beats looking at it yourself and keeping your checkbook balanced. Also, when you get a credit-card statement in the mail and open it on a monthly basis, you are instantly reminded to check if any strange charges appear on your account. Its easier to forget to keep track of such information online, and youll need to have good money management habits. Disadvantages Internet banking services provide a number of benefits to businesses sector. But while it also has its disadvantages, businesses who are wishing to join the trend need to know its disadvantages as well. Despite the growing popularity of internet banking, it cannot be denied that some people still remain doubtful doing transactions online especially where money is concerned. Although most of the banks already improve their security services in order to reduce people or businesses doubtful about doing online banking, but there are still a lot of disadvantages about this. Below will be a certain disadvantages for businesses sector. The most disadvantage of online banking in business sector will be a requirement for staff in financial department with skill that deal to the computer and browser. As a staff in financial department has a responsible in task such as accessing account information and bank statements, pay bills that related with business, transfer money from one account to another account or apply for a checking, credit or other types of account or apply for loans or even download forms. All of these tasks may require a particular skill from them to maintenance the interest for businesses. Some of the staff may lack of training and experience to complete all of this tasks. Thus, it will influence the daily work in businesses cannot be progress with more smoothly. Besides that, the increasing number of fraudulent bank websites that created by hacker also can be a disadvantage or risk for online banking in businesses. A fraud banking sites will bring a lot of impact for businesses because it causes the staff in financial department confuse with the fraudulent websites. The purpose of hacker to create fraudulent banking websites was believe to aim to trick businesses disclose their sensitive information. If businesses login into this kind of websites, then the disclosure financial statement or information might be happen. Additionally, it may possible also influence the staff in financial department cannot fully complete variety of task because access the fraudulent banking websites. Thus, it will bring an impact for the overall operation in businesses. Not only for this, fraudulent bank websites that created by hacker will try to send a fake email to some businesses in order to get their confidential information. Hacker will try to verify related company confidential information through guide them enter into fraud links. When businesses not realize that is fake email and access into the fraud links, it might possible disclose their particular account information or password. Hackers can break into nearly any computer system. Any online bank site you consider should have statements on the type of security they use. You should also e-mail the bank or head to the bank branch to find out exactly what would happen if there were a security breach and press the point or go to another bank if the answer is vague. In general, you should think of your money as being as safe online as it would be in a vault, but it is your responsibility to find out just how secure the bank is, if they keep their security systems up-to-date. Finally, you shou ld also make sure that you use security software on your personal computer to reduce the chance that anyone can get your personal data. Furthermore, another disadvantage for online banking that is computer and browser from particular businesses will affect by viruses and worms that hide in the fraudulent website and email. When businesses received some suspicious email and open it or access some fraud some links, a Trojan program named Trojan horse program will install our computer immediately and secretly. This kind of program was hidden in computer and we might not realize it since the program already installed in our computer. When businesses do not realize that and access the fraudulent websites or read the suspicious email, the function of the program will been active and try to capture businesses account and password. Through by this, the hacker can access the account and capture any information about the account. The main issue for most people is that of trust. They may wonder if their transaction went through successfully or if they clicked on the correct button. The best way to overcome this uneasiness is to make a habit of printing the transaction receipt. Keep this receipt until your bank statement or online account view confirms that you have successfully executed the transaction. Online banking sites can also take a while to start up and can be difficult to learn at first. Some banks require customers to provide some form of photo identification in addition to signing a form at one of their branches. Spouses may also have to sign a power of attorney if you both plan to access and handle your accounts together online. In addition to all of this, it may take a while to learn how to use your banking site. Most if not all banks will offer an online banking tutorial. Some even offer live customer support for online banking via chat, email, or phone. Clearly, online banking has both advantages and disadvantages. It simplifies life for some people and for them it is frankly a better way to bank. For others it may be a little more complex and downright intimidating. In light of these two perceptions, more and more banks are offering online banking as a viable option for their customers. Lastly, one of the biggest disadvantages is the absence of a physical location. Being able to make deposits to a physical bank account assures peace of mind; you dont have to wonder if your check is lost in the mail or when its going to be credited to your account. Conclusion Banking is one of the most important parts of our society and economy. Banks provide the basic lending capital for all of the transactions of our economy. Without them we would indeed be in a bad spot. Even with them sometimes we are in it really bad-such as now with the financial crisis, which is really a bank crisis. Without a bank how would you borrow money to purchase a car or a home? By collectively pooling our money in a lending institution we can make life so much easier for everyone around us. This is particularly the case when we dont have a great deal of capital ourselves. Very few of us actually have the money to spend on large purchases. Because banks are so important you need to know about a great new option many of them offer. In our highly technological world there are some great conveniences resulting from the internet. The internet allows us to share large amounts of information with great speed. We can look up all sorts of interesting information, send each other em ails, and write fascinating blogs. Another thing we can do is to look at important banking information and make important transactions. We buy and sell all sorts of things on the internet. Did you know that you can also do much of your banking online? You can check your balance and you can transfer all sorts of money around from checking and savings. There are all sorts of options that online banking will offer you, but you need to know some things about it first. As a conclusion, online banking is very useful to every layer of people in this community. It is more convenient and easy to use. Beside from that, by using online banking, it save a lot of time and cost among each other and people no longer have to queue up in a long line at a counters to wait for their turn for personal or business purpose.

Columbine Essay -- essays papers

Columbine The tragedy at Columbine High School is something that will be remembered and talked about for many years to come. People from across the nation have all heard about this event. But there are still a couple questions that people have. For instance who’s to blame? The kids alone, the parents for how they brought the children up, or even actually the students at Columbine? Most say that the parents are to blame, but who actually knows? In my opinion the only two people that can actually answer this question truthfully are both dead. Everyone wants answers. Did the kids have help? Who was it? Who sold them the weapons and why? Why did they do this? How could they do this? I had a class about the last question. Who could actually go into a room and commit a crime of massacre in a school of people that you know and have grown up with? Most of our class thought that they couldn’t ever get enough anger to do anything even remotely as bad, but when you actually think about it, if you had no friends and where made fun of all the time. It looked like your parents, teachers, and even all your own piers where against you. I think anyone could snap and maybe even do something as drastic as this (Why at Columbine High). Did the boys, Dylan Klebold, 17, and Eric Harris, 18, have any help doing this crime. As of yet no one has true evidence that proves they did except they did find who sold them the weapons. Police found around thirty small bombs and one twenty-pound propane bomb in the school, enough explosives to blow the school into almost nothing. For this reason people believe that the boys either had to have help or they had visited the school many times to plan this assault. No one talking though and no proof has been found. Their not only looking for information from someone that could point to someone that had helped they’re also looking for someone that had known that this was going to happen, so that they may find the answers to so many questions (The Colorado Shooting: Who Helped). Besides many bombs the police had also found a horrible suicide note. â€Å"Your children who have ridiculed me, who have chosen not to accept me, who have treated me like I am not worth their time are dead. THEY ARE (expletive) DEAD. I may have taken their lives and my own - but it was your doing. Teachers, parents, LET THIS MASSACRE BE ON YOUR SHOULDERS UNTIL ... ...no one except investigators and policemen in the school the police finally let them in. Everyone had something to get or look at, since the kids all had to leave their book bags in the school. A lot of the kids despised having to go back to school where many of their friends were killed or even injured (A Sad Homecoming at Columbine High). As of now in the little town of Littleton, the people are decided rather or not to destroy the old library and build a new one, for over three million dollars. They see the library as a horrible memory since ten of the students were killed and that’s where the boys committed suicide (Library Approval Delayed). This entire event got worse and worse as I read into it. Before now I never knew what was written in the suicide notes that they had written, but now that I do it’s really unbelievable that a human could think up such a thing and actually do it. It’s one thing to think about doing it, but strictly another going throug h with something so gruesome. I believe all of us feel left out sometimes, or maybe just seeing everything go wrong from them and that everyone’s against them, but I don’t see it in anyone to take that hated to these extremes.