Should The Minimum Drinking Age Be Lowered - 1138 Words

Alcohol is consumed by people for many different reason such as celebrations, peer pressure, anxiety, boredom, sadness, insomnia, and rebellion. These are just a few reason why people may consume alcohol. The category of people also includes teenagers. Many on-going debates have flagged this question whether drinking should be lowered to eighteen or not? Citizens have gave details regarding the affirmative and negative views of the minimum drinking age be lowered to eighteen. Do you think that it is wise to lower the minimum age? Would you look at the negative and positive impacts? Is it more important to give our citizens these full rights? Currently, in the United States the legal drinking age is twenty-one. But as we all know many teenages are involved in underage drinking. But the main question is why? Why do these teenagers drink illegally? The government provides citizens with full rights at the age of drinking. These citizens are allowed to legally purchase cigarettes, vote, join the military, and decide whether or not to complete school. But why is it that alcohol consumption is considered illegal until the age of twenty-one? The powers that control our government decided that when one becomes twenty-one. In this essay, I will first give the affirmative perspective on why the minimum drinking age should be lowered. Then I will talk about the consequences society may face when lowering the minimum drinking age. Lastly, I will provide my perspective and insight.Show MoreRelatedShould the Minimum Drinking Age Be Lowered1128 Words   |  5 PagesTayrin O’Rand 14 March 2012 Should the Minimum Drinking Age be Lowered? The minimum drinking age became a hot topic ever since it was set to twenty one years old. It is a law not everyone welcomes with open arms, one that has the most impact in the lives of adolescents and if violated, one that can put a state at risk of forfeiting ten percent of its annual federal highway appropriation. John M. McCardell Jr., president of Middlebury College; founder and president of Choose Responsibility,Read MoreMinimum Legal Drinking Age Should Be Lowered733 Words   |  3 PagesMinimum Legal Drinking Age Should be Lowered â€Å"Adults under 21 are deemed capable of voting, signing contracts, serving on juries and enlisting in the military, but are told they are not mature enough to have a beer.† (Amethyst Initiative: Rethink the Drinking Age). The causes behind the minimum legal drinking age standardization nationally has not been alleviated in the past couple decades and should be repealed. The minimum legal drinking age should be lowered to the age of eighteen whichRead MoreMinimum Legal Drinking Age Should Be Lowered1253 Words   |  6 Pages Minimum Legal Drinking Age Should the drinking age be lowered from 21 to a younger age? Ever since the end of prohibition in 1933 the United States government has placed the issue of minimum legal drinking age sensitively in the hands of the states, letting each decide for itself what the minimum age should be. At that time all agreed that the minimum legal drinking age should be 21, where it remained for all statesRead MoreControversial Analysis: Drinking Age1278 Words   |  6 PagesCarolina Quiroga April 02, 2012 Leslie Jones English 102 The Drinking Age and Young Adults. Because underage drinking is a major problem for young adults, the drinking age has become a very controversial issue. In the 1990s, the drinking age was 18, but it was changed to 21 in 1984. The Federal Government informed states to choose between raising the drinking age to 21 or foregoing highway funding. This decision obviously affected 18 to 20 year olds who could no longer buy alcoholic beveragesRead MoreThe Minimum Drinking Age Act1700 Words   |  7 Pagesthe National Minimum Drinking Age Act made all 50 states raise the legal drinking age to 21(Dejong). The debate is on whether the age should be lowered or not. Statistically, having the age at 21 has been very helpful in keeping the nation safe. If there is not an issue with age now, would it make sense to lower the age and create unnecessary problems? In this case, the negative effects outweigh the positive. Simply because there is no good in lowering the age. The legal drinking age has been setRead MoreMinimum Legal Dri nking Age ( Tietjen )1700 Words   |  7 PagesMinimum Legal Drinking Age On July 17 of 1984 President Ronald Reagan signed to make the National Minimum Drinking Age Act a law. This law required all states to have a minimum drinking age of 21, if a state did not comply with this law they could face up to a 10% cut in funding for their federal highways (Tietjen). Since this act became a law there has been two distinct sides arguing whether they agree with the minimum drinking age, or whether they disagree. One side believes having a minimum drinkingRead 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. Altho ugh most people think young adults (18-year olds) areRead MoreThe Problems of Underage Drinking Essay526 Words   |  3 Pagescontroversy of underage drinking has been a serious and difficult issue for many colleges, communities, and parents over the past several years. Fifty states in the U.S have already set their minimum alcohol drinking and purchasing age to twenty one. Yet many people, especially teenagers, oppose this legal drinking age and want it to be lowered. Nevertheless, the legal drinking age should not be lowered from twenty one to eighteen because of three main reasons. The higher minimum drinking age can help reduceRead More The Drinking Age Should NOT Be Lowered Essay1006 Words   |  5 Pagesto lowering the minimum legal drinking age. Choose Responsibility, a group founded by John McCardell, proposes that upon completion of a 40 hour course to educate young people about alcohol, 18, 19, and 20 year old people should be licensed to drink. The Amethyst Initiative, part of Choose Responsibility, is a petition to Congress to rethink the minimum legal drinking age. Several college leaders have signed this petition in the belief that lowering the minimum legal drinking age will reduce bingeRead MoreAccording To â€Å"College Drinking,† Almost Two Out Of Three1388 Words   |  6 PagesAccording to â€Å"College Drinking,† almost two out of three college students engage in binge drinking. Binge drinking is a pattern of drinking that brings blood alcohol concentration (BAC) levels to 0.08 g/dL or higher (â€Å"College Drinking†). Many parents, guardians, and psychologists believe that college students binge drink because they think drinking is an integral part of their higher education. Similar to peer pressure, college students drink because the rest of the student body drinks. Furthermore

Globalization Indigenous Peoples and World Free Essays

Globalization is the process in which the world becomes connected through communication, trade, and migration. Globalization can transform cultures and the identity of people within those cultures. One of the primary factors that leads to globalization in the advancement of technology In 1980 Dr. We will write a custom essay sample on Globalization: Indigenous Peoples and World or any similar topic only for you Order Now Knauft began to study an indigenous group of people deep in the forests of Papua New Guinea. This group of people had no contact with the outside world until the 1960’s, they were cut off from everything. They had a language and a name that was unknown to Anthropologists at the time. They were virtually invisible to the outside world. When Dr. Knauft arrived he met the Gebusi people, and began his study. He watched as they preformed ritual dances and wore traditional costumes. The Gebusi people lived their lives according to tradition and beliefs and were not affected by the outside world. The truth is no one can hide from globalization, not even the secluded Gebusi people. With in a matter of only 18 years they were transformed, most of them willingly converted to Christian beliefs, and they became focused on politics, economics, religion and nationalism. They were caught up to speed with the rest of the world due to globalization. The culture of the Gebusi people and their identity was drastically changed due to globalization. They were now on the same page as the rest of the world, and were now connected with the outside world. Trade organized groups such as NAFTA and the WTO make globalization easier to obtain for the smaller â€Å"developing† countries. For the countries that are a part of these groups goods, and ideas are much easier to share. With groups such as these and other factors globalization is inevitable so there is no sense in fighting it. If it were embraced rather then rejected everyone would be much better off. I understand that it can interfere with older cultures and traditions of developing countries, but it’s eat or be eaten in today’s world and you need to do what you need to do in order to compete with other countries and to survive within your own. Globalization exposes who ever it effects to a variety of new and different opportunities that must be taken in order for that group to survive. It can be compared to having to evolve, or becoming extinct. A lot of people see globalization as a bad thing, but its essential for survival in today’s world, and with out it we would be totally secluded from the rest of the world and that would just make everything extremely hard. It also helps keep the world balanced with power. Without globalization one country, or one group of people could easily be way ahead of others, and that could lead to wars and many other conflicts. The positives of globalization strongly out weigh the negatives and I’m not sure why anybody would be against it. How to cite Globalization: Indigenous Peoples and World, Essay examples

FinTech Innovations Samples for Students †MyAssignmenthelp.com

Question: Discuss about the Financial technology Innovations. Answer: Introduction Financial technology also known as FinTech, is composed of the new technologies which are seen to be related to the use of technology with the available amount of the resources in order to deliver the required financial service. It has been seen to be different from the traditional practices of implementing technology in finance. The main areas of the implementation of the Fintech have been seen with the automation and trading risk (Finkle 2016). The various types of the services are seen to be originating from the independent service providers such as insurer and licensed bank. The various types of the interconnection have been further seen to enable the API and several innovations in terms of the Payment services directives. It has been predominantly observed that with the advent of the companies such as Paypal, Adyen, Robinhood, Kickstarter, GoFundMe and Envestnet, FinTech is already seen to be challenging the traditional financial institutions. It has been further seen that the t otal budget of the FinTech companies has exceeded USD 19 Billion in 2015. The main purpose of this report is to discuss the impact of the recent boom in the FinTech innovations in the market operators and exchange. The various discussions of the report will be able to support the growing trend of the FinTech in the industries. (Lee and Teo 2015). FinTech for Market Operators and Exchange FinTech companies that are leading in particular sector along with their challenges Some of the main form of the FinTech companies has been further seen in terms of Stripe, YapStone, Braintree, Adyen, Lending Club, Addepar, Commonbond and Kabbage. Some of the main aspect of the challenges faced by the companies has been further seen to be based on the engineering problems. One of the primary challenges faced by the Fintech companies has been seen in terms of the redesigning online payments (and the associated tooling). Some of the main form of the challenges has been further identified in term of the various types of the perpetrators who are seen to be supporting the products. In various cases the main challenge has been seen to take place in terms of the attesting and writing the code. In several instances it has been seen that the codes are not free from errors. During the processing of the payments it has been seen load on the system has been seen to be much lower in compare to the companies with equivalent scale. One of the other primary problems has been furthe r seen in terms of the availability and consistency of the information required to process the relevant data. The risk of the security aspect of dealing with the information has been further seen to be considerably high. In several cases the system are seen to be prone to targeted by the attackers such as fraudsters. The company has been further seen to take into account the various types of the tools has been further seen to facing problems which are seen to be associated to the reduce the productivity of the developer. In several cases the associated challenges are seen to be raised due to the increased cost of implementation of the technological aspects. In several cases ingesting and digesting is seen to be difficult challenge. Several systems are being worked upon for tailing production data into HDFS, where it can be queried via Impala or processed. Challenges faced by the industry and regulators in the sector to cater for these change Some of the main challenges of adapting to the FinTech have been seen to be evident in form of changes in the investments shake ups, regulation and the technology woes. Despite of Fintech being an effective tool, however the industry tends to get negatively affected by the amount of investment needed in this sector. The main form of the regulation has been further seen to be controlled based on the prevailing regulation. The technology woes has been identified in form of the adapting to the automated system, which is seen to be be not only a challenge in terms of the cost by also adequate manpower in handling the system effectively. The influence of this technology in Malaysia is also evident with the central bank of the country (Philippon 2016). The main regulatory framework for the adoption of this technology in the Bank Negara has been identified with the application and the operation of with Financial Technology Regulatory Sandbox Framework. Some of the major challenges identified by Bernama have been recognized with increased risks for stability, integrity and market conduct. In general, banks and financial institutions have been traditionally recognized for being at the centre of the broader range of using the financial data. The changing environmental explosion of the data has been seen to capture the various aspects of the financial report which are seen to be associated to the necessary trends of capturing the market elements such as lending, financial planning and investments. It has been commonly seen that in terms of the market operators and the exchange functions have been seen to play a major role in reacting to the challenges related to the application of this technology in complex situations. However, it needs to be also noted that the financial institutions and the banks has been seen to actively partner with the market operators such as PayPal, Bitcoin, Adyen, Robinhood, Kickstarter, GoFundMe and among various other service providers of Fintech for gaining a competitive edge over the traditional channels offinance (Finkle 2016). The future exchange and the infrastructure of the market are seen to be controlled by the various types of the operations which are related to support and foster the future growth in the financial markets. The main implementations of the Fintech has been mainly identified in form of the using open service architecture such as application programming interfaces (APIs), beside using the general business model (Mackenzie 2015). The technological innovations have been further seen to be sourced from the structural changes in the recent years. This has been seen to be directly influencing the regulatory, capital, and business model associated to the financial ecosystem. The capital market structure has been seen to be influenced by the capital market FinTech structures. These components has been seen to be directly related to the core market infrastructure, AI Analytics, alternative funding platforms, investment technology and post trade digitization (Philippe Gelis 2016). The important features from the core market infrastructure have been identified in terms of the technology promoting the decentralization and reduction of the physical assets. The post trade digitization in the exchange operations has been further seen in terms of creation of robust operations, which is in compliance with the management, post trade technology and post trade technology (Arner, Barberis and Buckley 2015). The third important feature of the Fintech in the market operators and the exchange system has been seen with the implementation of the artificial intelligence and analytics. In big organizations, the data needs to be handled in multiple sets, which needs to be done precisely with the advancements made in the artificial technology. Whenever we think of the currency, market and financial service trends, the block chain technology has been seen to play a major role in terms of the streamlining the overall process. This technology in the exchange operations in the recent times has been seen with the significant implementation in the Bitcoin and other crypto currencies thereby increasing the efficiency of the overall exchange process (Philippe Gelis ceo of kantox 2016). However, it needs to be noted that there has been some of the challenges which are seen to be associated to the implementation of this technology. It has been seen that in many situations the Bitcoin service is used by the hackers and the ransom ware for succeeding in incognito transactions. This has been further seen to influence major number of people who are seen to be associated to the various types of cyber crime activities. These activities have been further seen to influence a large number of people making encrypted transactions over the internet. In order to curb the various types of the illegal activities which taking place through Bitcoin transactions, the cyber crime law enforcement agencies are seen to be taking an active role for the tracking such illegal activities in the internet (Hung and Luo 2016). The next important action in the exchange operations in the companies has been seen in terms of implementing the Fintech in market operator for changing the dynamics of the asset management business. This has been seen to create more demand in terms of the various types of the activities which are seen to be associated to the offering investment managers of all sizes tools for monitoring markets and allowing better decisions based on robust data analysis (Gimpel, Rau and Rglinger 2016). Some of the various types of the other advantages of this platform have been seen in terms of reshaping of the traditional channel of the business has been seen to influence capital market operation in terms of the equity and the debt capital operations. A similar innovation of the technology has been further seen to benefit the various types of the operations which are seen to be related to the alternative funding measures associated to provide the capital and the liquidity for the corporate (Entrepreneur 2015). In Europe the consumers has been seen with the reliance on the technological advantages which are seen in European countries. The alternative funding platform has been seen to benefit the investors who are looking for higher yield opportunities from the exchange markets. The use of the Fintech has been further seen to influence the transformation process which is seen to be related to achieving of pioneering business model which in the proximity to the end customers and use of innovative technology. The FinTech firms has been further seen to influence the firms for a new capital market model which is based on a more collaborative approach associated to the capital provision, technology, work flow process and overall connectivity in the exchange operation in the market (Treleaven 2015). The main form of the business model has been seen to be applicable in form of the incumbent market centres. This has been seen with scale, infrastructure and expertise. The scale of operations has been seen with access to capital, distribution and trusted intermediary. The infrastructure has been seen to be implemented with existing connectivity, access to the data and the technology. The Fintech implementation process for the market operations and the exchange has been seen to be based on the specific features which are seen to be associated to the business model and technology. The business model has been seen to be identified in form of the application innovative process in the transactions based on the FinTech applications (Accenture 2015). The business model has been further seen to make use of the new model for the access of data. The technological aspect of has been seen to be based on the application of the alternative model for the technology and inclination for lean cloud a s a service offering (McAuley 2015). The core market infrastructure has been seen to be based on the various types of the features which are based on the implementation of the investment technology based on the digitization and the alternative platform for funding. The various types of the platforms of the study has been seen to be based on the types of the considerations made in form of the alternative funding platforms for supporting the necessary exchange operations. These platforms have been seen to be operating with the use of the alternative models such as capital formation across the capital structure related large organizations (Davies, Kashyap and Ruetschi 2016). The present barriers in the adoption of the block chain system in the exchange system have been seen to be implemented based on the technology which is not mature enough to replace the present production system related to the financial services. The technology is further seen to be lacking the scalability and the potential to the conflict which exists in terms of the transparency and the confidentiality of the information (Haddad and Hornuf 2016). Conclusion Despite of the various types of the barriers which exists in the capital flow system based on the application of the FinTech. The report has been effective to identify the several types of the potential of the application of the technology associated to the lending, financial planning and investments in the market operators and the exchange service. The main form of the challenges of the implementation of this technology has been further seen to be based on the technology which is not mature enough to replace the present production system related to the financial services. The technology is further seen to be lacking the scalability and the potential to the conflict which exists in terms of the transparency and the confidentiality of the information. The advantages of the system in the marketing operators and the exchange services have been seen with seamless operations and the easy transactions across global scale. These components has been seen to be directly related to the core ma rket infrastructure, AI Analytics, alternative funding platforms, investment technology and post trade digitization. References Accenture (2015) The Future of Fintech and Banking, Accenture, pp. 112. doi: 10.1007/978-3-319-51415-4. Arner, D. W., Barberis, J. and Buckley, B. P. (2015) The Evolution of Fintech: A New Post-Crisis Paradigm?, University of Hong Kong Faculty of Law Research Paper, 2015/047, pp. 16891699. doi: 10.1017/CBO9781107415324.004. Davies, S., Kashyap, M. and Ruetschi, J. (2016) Meeting the Fintech Challenge, Strategy+Business. Available at: https://www.strategy-business.com/article/Meeting-the-Fintech-Challenge. Entrepreneur (2015) Fintech., Entrepreneur Mexico, p. 22. Available at: https://ezproxy.eafit.edu.co/login?url=https://search.ebscohost.com/login.aspx?direct=truedb=fuaAN=114789836lang=essite=eds-livescope=site. Finkle, V. (2016) Fintech, SAGE Business Researcher. doi: 10.1177/237455680218.n1. Gimpel, H., Rau, D. and Rglinger, M. (2016) FinTech-Geschftsmodelle im Visier, Wirtschaftsinformatik Management, (3), pp. 3847. doi: 10.1007/s35764-016-0057-z. Haddad, C. and Hornuf, L. (2016) The Emergence of the Global Fintech Market?: Economic and Technological Determinants, Available at SSRN 2830124, pp. 137. doi: 10.1007/s10273-011-1262-2. Hung, J.-L. and Luo, B. (2016) FinTech in Taiwan: a case study of a Banks strategic planning for an investment in a FinTech company, Financial Innovation, 2(1), p. 15. doi: 10.1186/s40854-016-0037-6. Lee, D. K. C. and Teo, E. G. S. (2015) Emergence of Fintech and the Lasic Principles, SSRN Electronic Journal. doi: 10.2139/ssrn.2668049. Mackenzie, A. (2015) THE FINTECH REVOLUTION, London Business School Review, 26(3), pp. 5053. doi: 10.1111/2057-1615.12059. McAuley, D. (2015) What is FinTech?, Wharton. Available at: https://www.whartonfintech.org/blog/what-is-fintech/. Philippe Gelis (2016) Fintech, The Rise of Fintech in Finance. Available at: https://cdn2.hubspot.net/hub/310641/file-1445626583-pdf/Rise_of_Fintech_in_Finance/Fintech_DEF.pdf. Philippe Gelis ceo of kantox (2016) Fintech, The Rise of Fintech in Finance, 7(24), pp. 411. Philippon, T. (2016) THE FINTECH OPPORTUNITY, NBER WORKING PAPER SERIES. doi: 10.1017/CBO9781107415324.004. Treleaven, P. (2015) Fionancial Regulation in FinTech, Journal of Financial Perspectives, 3(Winter), pp. 114121.

Metabolism Studies Essays - Animal Physiology, Thermoregulation

Metabolism Studies Abstract The purpose in experimenting with computer simulations was to compare oxygen consumption rates in different mammalian subclasses. We compared monotremes, marsupials, and placental mammals at both warm and cold temperatures. The results supported our hypothesis that when temperature increased, metabolic rate decreased. This was also supported using a students t-test. We also found that placental mammals had the highest oxygen consumption rates and marsupials had the lowest. We compared oxygen consumption rates in different sized crabs at different temperatures. The results supported our hypothesis that the smaller crab would have a higher rate of consumption. However, in the crabs, as temperature was increased, metabolic rate increased also. Introduction The second law of thermodynamics affirms that all living organisms must receive a constant energy input in order to survive (Witz 2000). Almost all bodily activities require energy. It is important to study how animals obtain, process, and dispose of products needed to maintain a positive energy balance. When cellular respiration occurs in the body, heat is produced and given off into the environment by the release of potential energy contained in the chemical bonds of macronutrients. The amount of heat released into the environment and the rate at which chemical reactions occur in the cells are directly related. Two different relationships exist, one that describes the endothermic animal and one that describes the endothermic animal. The rate of heat produced by the endothermic animal while at rest, fasting, and within the thermoneutral zone is dependent upon the basal metabolic rate (BMR). The thermoneutral zone of the endotherm is described as the range of ambient temperatures wit hin which there is a limited change in metabolic rate. The standard metabolic rate is what the rate of heat loss in ectotherms relies upon. The difference between the two rates is the temperature factor. Due to that fact that the temperature of ectotherms has a wider range with ambient temperature than the endotherms, physiologists defined a different measure for the basal level of metabolism. Although it is possible to measure the animals heat lost to the environment by direct calorimetry, it is easier to use indirect calorimetry. An effective way of measuring heat loss is to use the rate of oxygen consumption. Since oxygen is required by most animal cells using biochemical pathways to metabolize macronutrients, and it varies in a predictable way, it is useful in determining metabolic rate. If we can estimate BMR accurately, we can predict the amount of energy needed for important aspects of the animals life, such as growth and reproduction. For comparative purposes in the laboratory, we will be comparing weight-specific metabolic rates. This will allow us to compare the oxygen used by a gram of rat tissue to the oxygen used by a gram of mouse or iguana tissue. We hypothesized that the metabolic rate of the ectotherms, which are the iguanas, will be lower than the metabolic rate of the endotherms, which are the rats and the mice. Computer simulated temperature differences in the environment of both endotherms and ectotherms will also cause a difference in metabolic rate. When exposed to cold temperatures, we hypothesized that the metabolic rate will be greater than when the organism is exposed to high temperatures. The animal requires a greater amount of energy to keep the body warm at low temperatures; therefore, the body must breakdown the macronutrients at a faster rate. Body size also influences metabolic rate. A smaller animal, such as a mouse, should have a greater metabolic rate than a larger animal with the same general morphology, like a rat. This difference in metabolic rate is due to the surface area to volume ratio. A smaller animal has a higher ratio and more surface area exposed to the environment; therefore, it requires more energy to maintain the positive energy balance. Students t-tests were used to compare differences in temperature and body size in endotherms and ectotherms, different mammalian subclasses, and in the crab. Methods Determining the WMR of endotherms and ectotherms- In this experiment, we found the average WMRs of a large endotherm, which was a rat, a small endotherm, which was a mouse, and an ectotherm, which was an iguana. The bottom of the metabolism chamber was covered with approximately 50

RB1 Very Short Essay

RB1 Very Short Essay RB1 Very Short Essay Retail Banks as Financial Intermediaries Professor John B Holland The University of Glasgow January 15th 2015 RETAIL BANKING – Juggling risks - for profit How do it? How learn how to do it? How develop Retail Bank? How get Competitive Advantage? RETAIL BANKING – Juggling risks - as teams & organisation How do it? How learn how to do it? How develop Retail Bank? How get Competitive Advantage? Real world Models of Retail Banks Overview – ‘juggler’ Retail banking – juggling financial risks - and returns /profits Individuals & teams in Bank firms Retail banking – juggling financial risks - and returns /profits Individuals & teams in Bank firms Banks as ‘middle men’ Bank as ‘Juggler’ Individuals Households Households Cash Deposits safety & Payments Services 1-7 Individuals Banks transform deposits into loans Equity Loans and Cash WHAT IS OVERALL VIEW OF INTERMEDIATION MODEL? =Complex ‘balancing’ or ‘juggling’ of risks – for profit ASSETS LIABILITIES ON BOTH SIDES Contracting & control of Information asymmetry =IS Moral hazard =MH, Adverse selection =AS Active screen of, influence of risky depositor/borrower behaviour. Diversification of risks. Use of capital risk ‘buffers’. Cross balance sheet risk effects. Thus transform Risk, Maturity, Liquidity via these internal mechanisms RETAIL BANKING – MAIN SLIDES ï  · Information asymmetry =IS ï  · Moral hazard =MH ï  · Adverse selection =AS ‘Real world’ model of Retail Banking Details of how they do it Retail banking – key points – about ‘real world’ model ï  · Bank as ‘juggler’ of risks for profit ï  · ï  · Small transactions –on balance sheet – small customers Banks exploit - combination of payments & intermediation ï  · Look at each risk area by itself – assume no dynamics between them – no juggling ï  · Contracting to reduce risk - both assets & liabilities ï  · Diversify risk- both assets & liabilities ï  · Cash ‘absorb’ liability risk ï  · Equity ‘absorb’ bad debt risk ï  · ï  · Bank manage risks – seek profit and added value Via how manage lending, how provide payment /deposits ï  · ï  · Overall Juggling = Bank transform capital = Financial intermediary ï  · Retail bank = risk & return management ‘machine’ = ‘real world’ model by size, risk, maturity etc Characterisitcs of RB RETAIL BANKING - CHARACTERISTICS ï  · Financial service provision to individuals and small firms ï  · Large volumes of low value transactions ï  · Large network of branches ï  · Major technology investment ï  · Close interaction with customers ï  · Retail often combined with wholesale, investment, & corporate banking RETAIL BANKING – BALANCE SHEET LIABILITIES ASSETS ï  · Many small deposits. ï  · Many deposit types current, 60 day etc. * Many small loans *many different terms For loans-rates/maturity ï  · Some large deposits from banks, firms. * loans longer life than Deposits & larger size ï  · High leverage low equity, high debt * cash in excess of required & securities as liquidity ï  · Liabilities mainly to fund financial Assets * real assets large but less than financial assets. RETAIL BANK - INCOME AND EXPENSES ï  · Fees & charges do not cover non interest expenses ï  · Labour costs high ï  · Interest margin wider than wholesale ï  · Payments services & ï  · Technology are major expenses Combine Payments and Intermediation? WHY COMBINE PAYMENTS & INTERMEDIATION ? ï  · Bank - based on links between ï  · Medium of exchange & ï  · Store of value ï  · & Bank advantages = ï  · + ‘Payment via claims on bank ï  · dominates payment via trade credit/IOUs ï  · Because banks have advantages in enforcing contracts, ï  · & Their debit cards / cheques /payments are safe / convenient WHY COMBINE PAYMENTS & INTERMEDIATION ? ï  · Money? Decisions to sell & buy ï  · Are separated in time ï  · Since money allows us to sell goods for general purchasing power which can be exercised later. ï  · Money used as store of purchasing power (= PP ) ï  · Seller can hold the proceeds between sale and future purchase ï  · - in wallet, but often in safe bank account ï  · Or buyer

There Are Several Ways to Check the Status of Your Immigration Case

There Are Several Ways to Check the Status of Your Immigration Case Whether you want to apply for citizenship in the United States, are seeking a green card or work visa, want to bring a family member to the U.S. adopt a child from another country, or you qualify for refugee status, the U.S. Citizenship and Immigration Services (USCIS) office offers resources to help navigate the immigration process. After youve filed for your particular situation, you can check your immigration case  status  online, where you can sign up for updates via text or email. You can also find out about your status by phone, or make an appointment to discuss your case with a USCIS official in person.   Online Create an account at  USCIS My Case Status so you can check your status online. Youll need to sign up for either an account for yourself if you are seeking the status of your case, or as a representative of someone else if you are checking on a relative who is in the immigration process. Whether youre applying yourself or for a family member, youll need basic information such as official name, date of birth, address, and the country of citizenship to answer security questions during the registration process. Once youve signed up, you can log in, enter your 13-character application receipt number, and track progress of your case. From your  USCIS account, you can sign up for automatic case status updates via email or text message to a U.S. cell phone number whenever an  update has occurred. By Phone or Mail You can also call and send mail regarding your case status. Call the National Customer Service Center at 1-800-375-5283, follow the voice prompts, and have your application receipt number ready. If you filed an application with your local USCIS Field Office, you can write directly to that office for an update. In your letter, be sure to include: Your name, address, and (if different) your name as it appears on your applicationYour Alien number, or  A-numberYour date of birthThe date and place your application was filedYour application receipt numberA copy of the most recent notice sent to you by the USCIS, if you have received oneThe date and office where you were fingerprinted as well as the location of your interview, if it has taken place or been assigned yet In Person If you want to talk to someone face-to-face about your case status, make an InfoPass appointment  and bring: Your A-numberThe date and place your application was filedYour application receipt numberCopies of any notices sent to you by the USCIS Additional Resources Find out how long it will take to get your visa. You can also look up local processing times for USCIS applications and petitions.USCIS offers a toll-free military help line exclusively for members of the United States military and their immediate families.Looking for Diversity Visa green card lottery results? Starting with DV-2010, diversity visa status information has been available online.

To what extent do you agree with the Slovak proverb 'The more Essay

To what extent do you agree with the Slovak proverb 'The more languages you speak, the more of a person you are How is this no - Essay Example The word 'identity' has taken on a different meaning. Identity has become part of the chaotic behaviour creating social perception (Freeman79 ) "Identity is a complicated cycle process: knowing, claiming and recognizing". (Chryssochoou 2000) which requires the use of language to communicate. The process of socialization, and communication have become the part of the sociolinguist's job. In this essay we will identify the complex meaning of identity and associate it with the meaning of language. Multiple identities are related to the multiple roles we take in society. It will be shown that speaking a second language, is not an extension of the first language thus a countable number of identities but another set of independent roles in itself. As an independent set of roles is established, a new pluralistic identity has been established. A bilingual person can perceive himself as a different set of identities depending on which language he is speaking. An English speaker will not speak the same language at home as he will speak at work in a foreign country. Or if he does speak at work it will not be at the same linguistic level as it would be if he were speaking to native English speakers. A multilingual personal will have more identities. The more languages a person speaks the more identity roles he will have. Building a better self identity of a L2 learner is done through the use of L1 in the classroom. This technique is the opposite that 20 years ago. Only the target language was thought as being the best result for teaching. As the proverb is dealing with two distinct topics, the essay will deal define the concept of identity then show how identity changes with the concept of multilinguism and then show it affects identity differently. The globalization of languages will be presented to show the effect on languages. A Sociological approach to self identity "The core of an identity is to put the "self" into a "role" and integrating the meanings and expectation s with the role and the performances" (Stets & Burke, 2000). Self is comprised of the mind as the thinking part (Stets & Burke, 2000). The thinking part creates action by the use of language as a means of communication. The concept of one's self or self concept is a collection of meanings used based on information that we have interpreted or gathered from others and taken as information about our 'evaluation' of our existence. (Chryssochoou, X 2000) The language two learner builds his acquisition on how the quality of his performance is perceived by others. Our sense of changing from the learner and the others can be perceived as idealistic or realistic, as the level of the learner is constantly changing (the classroom versus the real environment) Most of what we know about ourselves come from our environment. . Two dimensions of Self esteem have been identified: seeing oneself as competent and capable and feeling that one is accepted and valued (Chryssochoou, X 2000). Self worthine ss and having the ability to succeed are important in establishing the identity theory."In terms of language acquisition, efficacy is a belief about one's ability to become fluent" (Bandura 1995) Identity is a generic term as it is complex and multi-faceted. "The identities are the meanings, one has as a student, a teacher, a mother, a worker†¦Ã¢â‚¬ ¦" (Stet & Burk, 2000). The Identity Theory in Sociology takes into account 5 common principles