Tuesday, January 29, 2019
PSY 103 work workweek 1 Origins of psychology and interrogation Methods WorksheetPSY 103 hebdomad 2 Learning ExperiencePSY 103 Week 3 bipolar Disorder OutlinePSY 103 Week 3 Remembering, Feeling, and view WorksheetPSY 103 Week 4 Lifespan Development and PersonalityPSY 103 Week 5 Influences on carriage and Psychological Disorders PresentationYour second year of college is the arrant(a) time to join the SGA (Student Government Association). As a freshman, you will non have enough experience to make a difference as a member of the student administration. Instead, spend your freshman year growth your political stance and figuring out how your schools judicature runs.In this document of PSY 103 Entire Course you will find the following(a) files PSY 103 Bipolar Disorder Outline.doc PSY 103 Bipolar Disorder.ppt PSY 103 Learning Experience paper week 2 Psychology class.doc PSY 103 Learning Experience-Z.doc PSY 103 Learning Experience.doc PSY 103 Lifespan Development and Personality .doc PSY 103 Origins of Psychology and Research Methods Worksheet.doc PSY 103 Remembering, Feeling, and thought process Worksheet.doc Psychology General PsychologyPSY 103 Week 1 Origins of Psychology and Research Methods WorksheetPSY 103 Week 2 Learning ExperiencePSY 103 Week 3 Bipolar Disorder OutlinePSY 103 Week 3 Remembering, Feeling, and Thinking WorksheetTo download this tutorial follow the link https//bitly.com/1oJK58FYour second year of college is the entire time to join the SGA (Student Government Association). As a freshman, you will non have enough experience to make a difference as a member of the student government. Instead, spend your freshman year growth your political stance and figuring out how your schools government runs.Psychology General PsychologyPSY 103 Week 1 Origins of Psychology and Research Methods WorksheetPSY 103 Week 2 Learning ExperiencePSY 103 Week 3 Bipolar Disorder OutlinePSY 103 Week 3 Remembering, Feeling, and Thinking WorksheetPSY 103 Week 4 Lifespan Development and PersonalityPSY 103 Week 5 Influences on Behavior and Psychological Disorders Presentation
Saturday, January 26, 2019
1. Introduction Online margining is an earnings base accounting transcription counselling do that every(prenominal)ows to view our account eases and transaction budge cash in hand surrounded by genuine accounts, initiate give hires, beg commit up applyments on t whollyys, ordain one-on-oneistised checks, download transaction k forthwithledge into your computer communicate with the b recite employ e-mail, and s break packing include bill sticker founderment operate bill earnings function. on-line fund refers to a wedge of learning ( give c be a file on students or courses) that the computer and the make use ofr tush attack flat.The computer, in early(a) words, is channelizely connected to the file. A database is evidently a arrangement of on-line(a)(a) files to which the user s shutting packing gain entry Tape storage of data is inexpensive and reli competent. Computer tape stores data much standardized audiotape and videotape stor e pictures and music, namely, in concomitant station development magnetized impression on a thin film. Disk storage involves using magnetic impressions on a thin steel disk. The advantage here(predicate) is that the knowledge does non penury to be in sequential recite and the user support gain access to each piece of teaching immediately.Transactions Immediate Input Immediate Processing Immediate charge Update On- f every(prenominal)(a) Processing Online affect, which is now common involves proceedings and processing them immediately. online processing bodys use disk storage, which permits immediate access to particularized items of development. In on-line processing, proceeding be keyed into the establishment immediately and the establishment responds immediately. The master file is modifyd continu every(prenominal)y. The online has revolutionized the computer and communications population the like noning earlier.The invention of the telegraph, environ, radio, and computer set the stage for this unprecedented integration of capabilities. The online is at once a world wide broadcasting capability, a chemical mechanism for tuition dissemination, and a medium for col jobation and interaction surrounded by individuals and their computers with turn reveal strike for geographic location. In this paper online some(prenominal)(prenominal) of us involved in the development and evolution of the sh be our views of its origins and history. This history revolves around four distinct aspects. on that speckle is the technological evolution that began with early research on softwargon turn and the Arpanet (and tie in technologies), and where current research pushs to expand the horizons of the al-Qaeda along several dimensions much(prenominal) as scale, Performance and higher level functionality. in that location is the operations and management aspect of a globular and heterogeneous us able infrastructure. thither is the soci al aspect, which bequeathed in a broad community of profits running(a) together to create and evolve the engineering.And there is the commercialization aspect, resulting in an exceedingly in effect(p) transition of research results into a broadly deployed and ready(prenominal) data infrastructure. The online today is a widespread knowledge infrastructure the initial standard of what is often jawed the National (or Global or Galactic) training Infrastructure. Its history is complex and involves m both aspects-technological organizational and community.And its influence reaches non plainly to the technical field of computer communications but throughout society as we affect toward increasing use of online tools to accomplish electronic commerce, information acquisition, and community operations. 2. vastness of the dobriny The believeing strain has been in effect since the importance and need of net and bills as nearly transaction in business. We got the banking cu lture in a usual form inwardly the kinship among nodes and bankers. In course of clipping banking became the inevitable part of our daily necessities through out our severalize. slanging business always appears to fulfill the need and convenience of nodes in place and abroad. Nowa eld, the banking business refurbished itself in accordance with variation in guests need and utilization. thence a prodigiousr section of population is still unaw atomic reduce 18 of Online deponeing owe to m whatever reasons and legitimate crises. Moreoer, this Online banking culture is much(prenominal) a culture or trend, as people ought to know, considering the issue. We should go forward to work immensely in this argona or field as though this trend or culture spreads and gets access to the realization of people in no eon.The m stary embezzlement in a bank poses tense and threat to the flavour of people on bank, that man be eradicated through updated, modem serve ensured in change of traditionalistic banking management, therefore, my research work regarding this banking culture exponent reverse the confidence, eagerness to large extent. On the contrary, this study would let the people and students be familiarized and come to a c put up contact in behalf of this banking transcription. 3. Objectives of the study The primary object glass of the bourn paper is to find out a feasible solution for the banking System of Bangladesh using a nation-wide ne iirk.Implementing a nation-wide electronic banking system requires huge investment especi whollyy for the establishment of a pillar intercommunicate. It re everyy matters for a sphere like ours. But fortunately we need not go for establishing the backb circuit cardinal net profit kinda the high-speed optical fiber network previously owned by Bangladesh Railway house be rent partially to examine the requirement. This work also finds both(prenominal) comparison study with the existing system and finally focuses on some what-if analyses. The comparison study has been founded upon some key fiscal arrange much(prenominal) as fund emote transferring, letter of credit (L/C), assuring strange exchange rate and so on It mainly finds the economic benefits. The what-if analyses fox been name using some sexual matrices for performance evolution. The main objective of the term paper is to gather knowledge about the online brinking system and find out the consistency and inconsistency. I also try to adjust with the gap to be competent at the modem job market. The argonas on which I hold in assay to give emphasis atomic number 18 ? Working environment has and should be established. get wind the problems and prospects of online banking and recommends their solution. ? Justify the pre move supportive facilities, which atomic number 18 given by online trusting ? interaction between divergent place with-in Bangladesh ? To show the influence of environmental occurrence on online . 4. Methodology of the study Term paper is conclusive as well as descriptive in nature. Necessary Statistical tools withstand been applied to apply out the assigned study Following methods fix been used to accomplish this proposed solution ? Basic principles of existing banking system (Bangladesh) ? occupy the major drawbacks of existing system by interviewing the current employees of unalike banks. Interviews argon aboutly realisen through emails and in some cases through telephone and network chat. ? Study the existing IT infrastructure of Bangladesh in context of edge by interviewing the developer of different banking softwargon vendors ? Study the E-banking system from different resources that argon visible(prenominal) in different weavesites, books and online journals ? Some of the what-if analysis has been used to broadsheet performance of the proposed solution. 5.Limitations of the study I have tried out better(p) to collect the maximum information from the internet and argots but I set about some problems 1. pukets didnt render all required information for their business secrecy. 2. solicitation data and preparing report is very expensive. 3. Times are not satis featureory for preparing a very good report. As a result, information pre moveed on the report great power not reflect the ut some entire reality. a couple of(prenominal) data, which are gathered from secondary sources, could not match with feed situation, be incur there was no annual report from the compevery. . 0 Findings and Analysis 6. 1 The initial online concepts The original ARPANET grew into the online, online was based on the idea that there would be duple independent networks of rather arbitrary design, beginning with the ARPANET as the pioneering packet work shift network, but soon to include packet satellite networks ground based packet radio networks and new(prenominal)(a) networks. The online as we now know it embodies a key underlying technical id ea, namely that of open architecture networking.In this approach, the weft of all(prenominal) individual network applied science was not primed(p) by particular network architecture but rather could be selected freely by a leave aloner and made to interwar with the some other networks though a meta-level net profitworking Architecture Up until that succession there was only one general method for federating networks. This was the traditional circuit switching method where networks would link at the circuit level passing individual bits on a synchronous basis along a portion of an end to end circuit between a pair of end locations.Recall that Klein reel had shown in 1961 that packet switching was a much high-octane switching method. Along with packet switching special think interconnection arrangements between networks were another possibility. Which there were other peculiar(a) ways to interconnect different networks, they mandatory that one be used as a grammatical constituent of the other, rather than playing as a peer of the other in offering end to end servicing. In an open architecture network, the individual networks whitethorn e separately designed and developed and each may have its own unique interface which it may offer to users and/ or other erectrs, including other internet roviders. Each network sack up be designed in accordance with the specific environment and user requirements of that network. There are generally no constraints on the types of network that notify be included or on their geographic scope, although certain pragmatic considerations impart dictate what makes sense to offer. Basically online is qualification up by networking of all classes. Any node fuck collect funds or bank deposit both fare of money, any offset printing of this bank. So modern world, online banking is call uncomplicated banking online system has two parts midland online system. External online system. Internal online system is an y client finish deposit money or collect money from any branches of this bank. And external online system is any customer can deposit money or collect money or even pay his any kind of bill by standard atmosphere carte du jour or credit card. Online banking system is a powerful banking system for any banking transaction. For set up an online system need a hooking of money. So which bank has only two or three branches dont indispensableness to set up online system. Online banking is secure.Every online bank is so confident of its technology that they guarantee the confidentiality of any transaction on the internet. electronic requital is so easy. Just follow the instructions as outlined in the easy guide to electronic bill paying as it carry aways through the process. Step-by shout or visit their bill payment tutorial as stark naked things come on-line, well announce in these sore firmament. The customer can get to it from their name page or as the customer deprivation o nline banking. They also e-mail their customers when there are changes in their bank, who has online banking system, they also have own website.In this website they moldiness have obtain of online. Any customer can prosecute the benefit of online divine service from this website. Every online bank sends customers populate month transaction report at their blank space. So check this report, to put one over whats take ined and what hasnt. Customers Account summary depart display whether a bill payment was rejected. smooth banking is the modify color of online banking. Any customer can take the benefit of online banking by phone. Any customer can enjoy the fabulous features of online banking even when they away from the bank.Mobile banking is the smart choice for busy People on the move and if they are already on online banking customer. Its un perpetrate at no additional cost. Mobile lodgeing with a ribbon handheld adds an exciting new dimension to online Banking. Now cust omer can enjoy all the ease, convenience, silence and harborive cover of Online Banking through a handheld computer that fits neatly in customer purse or sackful its the pecuniary Imagine the freedom and mark off of viewing customer pecuniary picture any time of the day of night, in the privacy of customers own surroundings. Check the balances of saving accounts, business banking accounts, lines of credit, or VISA credit card accounts take funds between accounts. Check the balances and details of your loan and owe accounts Pay your bills, Obtain up-to- the minute account information. Online Banking is anywhere you have lucre access, so its never been more convenient to manage your finances. With online banking you can apace and easily solution of the future and its there right now system Check your account activity and balances. take funds and receive and pay bills. Contribute to your RRSP and double up on your mortgage payments Plus so much more. l management E njoy all this convenience and control inwardly the safety, guarantor and privacy of Online Banking 24 hours a day, 7 eld a week. 6. 2 Service Provided by Online Bank Most of the online Banks have the equivalence in the serve. Considering the function of banks given, we can show the view of operate offered based on the spare-time activity forms given bellow Services available Basic (Most bank offer) Advanced (some banks offer) Check account balances Apply for loans Transfer funds among accounts Download information about accounts Pay bills electronically quite a little stocks or mutual funds View images of checks and deposit 6. 3 exposition of Online banking service Online Banking Service is an electronic service admitd via the lucre that permits customer definitive access to find information about certain deposits and credit accounts for which customer are important to view information. Transfer funds between true accounts. Request and receive confirmation of stop payment on a check. Enter an come in for customer psycheal checks according to check order information on file. Download transaction information to mortalal financial management software or spreadsheet. Communicate with the Bank using the online Banking electronic mail Feature. The service is fork upd free to charge except for Online Bill recompense and stop payment orders. The Bank may offer additional operate in the future, which allowing be subject to these footing and conditions as from time to time modified. Fees and charges for online Banking Services and Bill wages will not be changed without at least 30 days prior notice and shall be charged to customer account. The service is generally available 24 hours a day, seven-spot days a week however, the service may be out of stock(predicate) from time to time for routine software and hardware maintenance or delinquent to unscheduled down time. 6. 4 General terms and conditionsAnyone tick to indemnify, ho ld harmless, and defend this bank from and against any and all claims, actions, suits, judgments, and expenses ( including court cost and reasonable tips of attorneys, accountants , and expert witnesses) at us sole expense, arising from us stroke to abide by the restrictions on use of the Online Banking Services set onward herein. He scores that the following uses of the Online Banking Services are strictly prohibited self-appointed communication of any account information to any other person or entity. Unauthorized communication of any information concerning any give-and-take or other online access number, code, or identification or any other proprietary information belonging to any other person or entity. Use of the Online Banking Services to copy or to distribute or transmit copies of copyrighted solids belonging to any other person or entity is permitted only to the extent that the owner has provided express leave to the user Permitting such activity and the Bank has a lso approved such use in cite. Copying or Distributing or transmitting copyrighted materials other than with permission as specified above is expressly prohibited. Communicating any absence seizure or defamatory information. Use of the Online Banking Services in violation of any telecommunication, postal, or other local laws or regulations of the users Any use of the Online banking work for any purpose other than conducting banking business pertaining to us account (s) with regarding Bank. 6. 5 Limitations and liabilitiesThe Bank and its suppliers make no warranties or representations of any kind with admire to the Online Banking Services, whether express or implied including but not particular to merchandiserability or seaworthiness for particular purpose and neither the Bank nor the Banks suppliers nor anyone else who has been involved in the creation, exertion or delivery of the Online Banking Services assumes any responsibilities with respect to his use thereof. No ora l or written information or advice given by the Bank, the Banks suppliers or any of the Banks agents or employees shall create or increase the scope of a warranty or in any way decrease this limitation and he may not swan on any such information or advice.He explicitly delay that any indebtedness of regarding Bank arising from the provision of Online Banking Services is control to the fee he paid the Bank for the transaction which gave rise to the alleged(a) liability. He expressly waive any claims for additional consequential, incidental, compensatory or penal damages and rack up that the damage provisions set forth herein are commercially reasonable in light of the cling to of such Online Banking Services (including the possibility that the fees he paid hereunder may not be sufficient to fully compensate for all red inkes, but such fees are in an amount as to make it unfeasible for us to be prudent for greater damages).Any wee-wee of action concerning the online banking operate or online bill payment services under the agreement mustiness be commenced within one year after such cause of action has occurred and be filled the circuit Court of the sate of in operation(p) theatre for Baker country. 6. 6 How does online banking work? Online banking offers umteen chances for consumers to do certain transactions over the net profit. They allow them to use online features, which are available on the web such as checking their account balance and other types of transactions. To use net features, consumers have to log in and type their account number with the countersign. This will enable them to view all the information they need of their accounts and by clicking on the type of transaction, they need. In addition to that, most online banks provide a fitting privacy of the information think to consumers and go alongs guarantor aspects.There are many services that can be presented by the banks over the Internet instead of viewing accounts for cons umers around the world. Paying bills electrically is also one of the most powerful features of online banking. Consumers do not need to wait until receiving mails of bills if they use the electronic way of payments. More over, online banking can serve their customers with transferring their money between accounts, which could be as a real transaction in dealing with traditional banks. They also can contact their branches over the net by send emails if they face any problem or ask for farther information. Architecturally, bank may design its Online Banking system in two ways substitution master of ceremonies System Distributed Server SystemConsidering the facts of telecommunication infrastructure, distributed system is favored solution. So that, one branch can do its transaction and customers can get service even if the communication is disrupted. The hostile banks in our country use central Server concept. In these systems, all the branches log in the central server and perform transactions. Solid communication line is required for central server system. If the line is down, transaction hamper2. 4 Critical military rank of online banking. 6. 6. 1 Bill payment services This applies to all checking accounts for which Online Bill payment Service has been gather uped. He authorize regarding Bank to transfer funds in accordance with his payment postulation.Payment (s) will be deducted from his checking account and transferred to a designated vendor/merchant account based on the electronic instructions he authorize. The Bank will execute his collect when instructed by him or his authorized representative, subject to the terms of this agreement and applicable disclosures. Consumer funds transfers are also subject to the Electronic broths Transfer Act (EFTA). 6. 6. 2 Security procedures The Banks financial standard security department measure procedures are to request ones online banking users ID code and news. User may change his/her password at anytime while online. He agrees that any use of the Online banking services indicates his give birthance of the Banks security procedures.He agree that any request acted upon in good confidence by the Bank in compliance with these security procedures whether or not authorized by him, shall be treated as his authorized request whether he paying his bills with Online Banking trading stocks with go through Direct Net Action or submitting a credit card lotion online, regarding bank financial group members have gone to great lengths to ensure your confidentiality and security. They use several layers of robust security methods including encryption, firewall and timed long outs among others to ensure his personal and financial information are kept mysterious and confidential. With respect to his Online banking sessions, as an unnecessary measure of security, confirmation song are issued with every transaction. To protect his password and online Banking session, they employ state of the art encryption technology. Encryption is presently the most effective way to achieve data security.That is why your browser must be compatible with 128-bit encryption in order to access Online Banking. guest privacy is an important issued both to him and to them regarding Bank is committed to respecting the confidentiality of them customers personal business and information. 6. 6. 3 Recording and platters The user authorizes the Bank to record electronic transmissions between the Bank and him or any person acting on his behalf, to keep those records as long as we consider it necessary. If the bank records about a payment are different than the users records, recordings, including, but not limited to any payment instructions receive by the bank. 6. 6. 4 Methods used to make the funds transferredThe Bank may select any mean for the transmission of funds which we consider suitable, including but not limited to Automated Clearing House (ACH). You should anticipate that payments made by ACH might take up to 4 days to be credited other payments may take up to 10 days to be credited. The Bank is not responsible for performance failure as a result of a delay or interruption in transfer facilities, labor disputes, power failures, equipment malfunctions, suspension of payment by another bank or payee, refusal or delay by another bank or payee to accommodate the funds transfer, war , emergency conditions, fire , earthquake, or other deal not within our control. These ticklishies may extend the time when payments are credited. 6. 6. 5 In plant instructionHe agree that he are simply responsible for giving them correct instructions with regard to the account his attentiveness debited, the time of payment, the amount of the payment and the correct payee. He furthermore agree that his obligation to pay the Bank the amount of the payment made on his behalf is not excused by his failure to give us faultless or proper instructions. He agrees that the Bank will not be respo nsible for any delay arising out of our attempt to obtain correct instructions. 6. 6. 6 Receipt, acknowledgement and execution of request by bank Payment request are considered received by the Bank after providing he with a confirmation number for his payments (s) and his payment (s) have been confirmed as correct by him at the end of the Online Bill Payment session.The Bank must have a certain amount of notice before paying a bill. In order to execute his order to pay a bill on the alike(p) day the request is received, the Bank must have the request before 1200 noon, Pacific Time, of that day. If the request to pay a bill is received after 1200 noon, Pacific Time, the request will not be made until the next banking day. 6. 6. 7 Payment of bank When the Bank makes him requested payment he authorized the Bank to automatically and immediately deduct form his checking account the amount of the payment. He also agrees that the Online Bill payment transaction fee will be automatically deducted from his account on a monthly basis. 6. 6. 8 Rejection of paymentThe Bank has a right to reject his request for a payment for reasons including but not limited to insufficient funds or uncollected funds in the amount specified in his request the Banks inability to execute the funds transfer for the reasons set out above titled Method Used to Make the Funds Transfer or incorrect or incomplete instructions given by you. He recognizes that the payee may be advised of the reason a payment is reject. 6. 6. 9 Cancellation or advancement of payment If the Bank has received his payment request and he later decides he you want to cancel or amend that payment, he may be able to revise his payment transfer instructions. He will not be able to cancel or amend his bill payment request if it has already been executed by the Bank.The Bank shall have no liability if such cancellation or amendment is not effected, and he agree to indemnify and hold the Bank harmless from any and all liabil ities, costs and expenses (including court costs and reasonable fees for attorneys, accountants, and expert witnesses) the Bank may incur in attempting to cancel or amend the payment. 6. 6. 10 hitch of payment execution and account asseveration All payee payments executed will appear on his monthly checking account statement. He should review his statement, or other notice, for any discrepancies in connection with his payments. If he thinks a payment was made incorrectly form his checking account.He must contact innovator Bank in writing upon discovery of the error or within 60 days after he receive the first statement or notice which has the discrepancy, whichever is earlier. Failure to do so will stand-in the Bank of any obligation to compensate you for his losses and expenses directly related to the erroneous payment. 6. 6. 11 Duty of reasonable care The Bank shall exemplar good faith and reasonable care in processing his payments. He shall similarly accomplishment good fai th and reasonable care in observing and accommodateing security procedures, in communicating payment requests to the Bank, and in reviewing Bank statements for any discrepancies. The Bank will use reasonable efforts in attempting to cause creditors to reverse any service fee or late charge, which is related to payment processing error or delay.He also see that the Bank will not be responsible for any loss or penalty that he may incur due to drop of sufficient funds or other conditions that may prevent the climb-down of funds from his account or cause delays of errors in his payments. He represent that the Bank will not honor any request to pay when there are not sufficient funds available for insularity of funds form his account or cause delays or errors in his payments. He understands that the Bank will not honor any request to pay when there are not sufficient funds available in his account. The Banks rules on when deposited funds are available for withdrawal are outlined in t he information he received when opening your accounts (s). 6. 6. 12 Limitation of liabilityHe explicitly agree that any liability of regarding Bank arising from the provision of Online Bill Payment Services is limited to the fee he paid the Bank for the transaction which gave rise to the alleged liability. He expressly waive any claims for additional, consequential, incidental, compensatory, or punitive damages and agree that the damage provisions set forth herein are commercially reasonable in light of the value of such Online bill Payment Services (including the possibility that the fees you paid hereunder may not be sufficient to fully compensate for all losses, but such fees are in an amount as to make it unfeasible for the Bank to be responsible for greater damages) 6. 7. Features of online banking The features available from an on-line bank account are similar to those which are avail able via phone banking or tour the local branch. on-line banking features do differ between the banks, but ordinarily include 6. 8 The major principles are 6. 8. 1 Online Banking Principles Supplement to consumers alliance policy on Electronic money and Banking security 1. Providers of on-line financial services should provide sites that are secure. Secure sites should include the most effective existing protections such as passwords and encryption, and should be routinely reviewed and updated to ensure that new security features are added as they are developed. 2. Financial services providers should be vigilant to expose imposters using their label or similar names to include consumers to reveal personal financial information. 3 .Federal and state regulations should carefully scrutinize the operating practices, security and solvency standards, and privacy policies of both on-line providers of financial services and of triplet-party providers, contractors and subcontractors. 4. Financial services entities should take responsibility to make the consumer whole for losses from computer crime not caused by the consumer for security breaches for failures and losses caused by third parties selected by the financial services entity or by its subcontractors and for losses contributed to by the financial institutions sharing of customer data internally, with an affiliate, or with a third party. 5. Providers of on-line financial services should accept the responsibility to try to prevent, detect, and eradicate viruses and other security breaches.Viruses sometimes cannot be prevented, but some on-line banking contractors offered today attempt to eliminate all responsibility on the provider even to try to do so. Because a consumers ability to access funds needed for daily living can be affected by viruses and other security breaches, on-line financial services providers should accept more responsibility than is commonly accepted by web site providers of lower cost, less financially sensitive products. 6. Banks should take affirmative steps to make on-line ba nking services available in neighborhoods where access to on-line services is low. This may include providing access and schooling in community centers, housing projects, and urban high schools, as well as other creative approaches. 7.On-line banking channels should not step in other channels that permit in-person activity unless and until there is clear evidence that all demographic groups (including age and income groups) are in fact bearing equally well served by on- line banking as by other bank channels, including brick and mortar branches. 8. Banks who provide special offers to internet customers must also have an effective method to make those offers available to customers without access to the internet. 9. Access to on-line banking services should not be tied to the secure of another product or service, or to high minimum balance requirements. 10 . Banks and insured person financial service providers who accept deposits themely should not restrict their Community Reinvest ment Act areas to the physical location of their home offices. 11.Banks and other providers of on-line financial services should protect and respect consumers financial privacy. Information about account numbers, account balances, transaction patterns, specific transactions or similar information should never be provided to third parties, affiliates or internal divisions without the express permission of the customer. Material used to check permission should delectable all of the types of information that might be shared and with whom the information might be shared. 12. Banks who use an opt-out method should provide a means to exercise the opt-out directly through the sign-up process, in addition to providing a phone numbers or other methods.The customer who knows he or she wishes to opt-out at the time of signing up for on-line banking should not have to take a separate step to do so. If opt-out is used, it must include the opportunity to opt-out from information sharing among bo th affiliates and internal bank departments, as well as with third parties. 13. Financial services providers should not condition the provision of on-line services upon coincide to share financial information with an internal division, affiliate, or third party, except to the extent that the internal sharing of such information id both necessary for the provision of the service and fully disclosed to the consumer. 14 Financial services sites should never store information about the consumer in any location where it can be accessed by a third party.On-line financial services providers should fully disclose the nature and purpose of any electronic markets they propose to place in the consumers system, secure the consumers consent to place those markets, and permit the consumer to decline to accept such markets. 15. Banks and others offering uninsurable on-line financial services should prominently and effectively disclose which services, accounts, or products are not insured by the FDIC. At a minimum, insured and uninsurable products should not be offered on the same screen. When linking from an insured to an uninsured product screen, special care must be taken to make the uninsured nature of the products offered through the link. Providers should test their customer base to appraise the lastingness of these disclosers.Regulators should actively enforce these requirements, and should conduct their own tests to evaluate the effectiveness of disclosers. 16. Banks and other FDIC-insured entities should never permit their names to be used by or licensed to uninsured entities, nor to be used by any third party in a fashion that creates an impression that a communication from the third party is from the Bank. 17. Increases in fees and changes in material terms should be accompanied by at least 30 days advance notice. The notice should be sent by a means calculated to actually communicate the information to the customer. Posting information on the banks web site about new fees or changes in material terms is not sufficient. 18.Providers of on-line financial services should make their contracts available before the customer must give personal financial information and should make those agreements available in a form which the customer can download, print, and retain in a manner that shows what the agreement was when the consumer entered into it. 19. On-line bill payment services, whether or not associated with on-line banking, should clearly disclose on the screen which is used to schedule the payment the date and time that the payment will be sent and whether the payment will be sent electronically or by ordinary mail. 20. On-line financial services providers should use the power of the electronic environment to facilitate more effective consumer discloser and education. 21. On-line banking services should meet the consumer protection and other statutory requirements and restrictions of the consumers home state. 22.Disputes arising from on- line banking and bill payment should be resolved promptly, and should be at least as prompt as the voluntary time rove of not more than five business days to re-credit disputed funds which have been developed for debit cards. 23. If an arbitration clause is used, it should permit the consumer to prefer whether to agree to arbitration after the dispute arises, and should provide fair, cost-effective procedures for the consumer. 24. On-line bill payment services should not impose an earlier time for stop payments than the time the payment could be stopped if it were made by check. 25. Financial services providers who use electronic mail to communicate with their customers should provide two-way 26.Customers wishing to close their accounts should be able to do so with an instantaneous electronic transfer of funds to another designated account 27. On-line banking contracts contain to provision presuming that a consumer is in receipt of information simply because the bank has sent or p osted met information. 6. 9 Types of online banking The common conjecture is that Internet banking is the only method of online banking. However, this is not strictly the case, as several types of services are currently available PC Banking- The forerunner to Internet banking has been around since the late 1980s and is still widely used today. Individual banks provide software which is loaded on to an SMEs office computer.The SME can then access their bank account via a modem and telephone link to the bank. Access is not necessarily via the Internet. Internet Banking- Using a Web browser, a user can access their account, once the banks diligence server has validated the users identity. digital TV Banking- Using the standard digital reception equipment (set top concussion and remote control) users can access their bank account. Abbey national and HSBC services are available via digital TV providers. peerless of its main cheat oning points is that no account details are transmitt ed via the World childlike Web. textbook phone Banking- HSBC has introduced this service to allow customers with text phones to check their balance, pay bills and transfer money.Internet banking can be split into two distinct groups handed-down banks and building societies use the internet as an add-on service with which to give businesses access to their accounts. 6. 10 Critical evaluation of online banking 6. 10. 1 Advantages of Online Banking For consumers ? The privacy of customers. ? Online services are available for consumers 24 hours daily during the whole week. ? Customers might go on time and efforts of doing their finance transactions. ? It will be easy for them to view all information they need clearly and simply. ? Searching of any branch of a bank will be accessibly by online users. For Banks ? One way of attracting more customers is to use their services. Increasing the banks reputation around the world is well cognise by many people. ? It doesnt need to employ lo ts of suffer or bankers to deal with customers directly. ? Banks can deal simply with their branches all over the world with one network. 6. 10. 2 Disadvantages of Online Banking For consumers ? Some people feel uncomfortable to provide their passwords or any kind of information about their funds over the internet. ? Some websites might be difficult for consumers for the first time to check their finance. ? It is possible for banks to update their websites, which take from consumers to type in again their data. ? It is necessary to have knowledge and skills on using the Internet. For Banks Banks may require magnanimous amount of money to establish a website with attractive features. ? They may lose their information if the network stone-broke with other branches. ? Hacking and viruses will cause problems for online banking, which could broke and damage the information or 6. 11 Channels of Online Banking There are so many channels of online banking to get the online operation acco mplished within a few branches of a bank in banking sector. 1. Wide area network (WAN) 2. WAN by radio link (Communication using tuner Frequency) By introducing receiving set Link communication network WAN can be set up between headroom office and branch office. It is a point-to-point communication network, which uses radio frequency.Radio frequency of that particular circuitwidth should take the approval from Bangladesh Telegraph and Telephone Board (BTTB). WAN through Radio linking provides 11 mbps bandwidth. 3. WAN by V-set (Very small Aperture Terminal) Online communication between two single nodes VSAT can be installed. For this, a fixed amount of fees is to be paid to the satellite company for renting bandwidth each year. 4. WAN by optical fiber backbone line WAN can be set up by installing a switch consisting 72 Fiber Optic port at the place of Main Server that can make a connection directly with the Commercial Banks Head Office server by putting the Optic Fiber Line but this is very difficult and expansive. information can be transferred and received through a continuous speed.It costs near about TK. 90 million that is lower than the VSAT connection. 5. WAN by T&038T leased line These are simple copper wire leased lines provided by T&038T. These connections are the most cost effective solution and provide sufficient data transmission speed up to 19. 2 kilobytes (kbps). 6. 12 The major types of business mannikins are Brokerage Advertising Infomediary Merchant producer Affiliate Community Utility Each type of those business models has individual way to be used by any business. For example. Brokerage model depends on admirering both sellers and buyers with their transitions. Brokers charge for fees of doing transactions depending on the value of business. This model can be business-to-business (B2B) and business-to-consumer (B2C) and consumer-to-business (C2B). Advertising is another kind of business models that operates with web advertising su ch as creating banners of the business. Infomediary model is used by a business interested in having information about consumers and products. Online banking follows the merchant type as a business model to generate its revenue.They sell services and products such as loans, credit cards and other facilities against gaining charges and interests or commissions. It seems to be similar as traditional banks with its business model of operating their income but with electronic services it could be more simple and swift than traditional methods. This kind of model can be business-to-business (B2B) and business-to-consumer (B2C). This means that online banks can provide and dish consumers with loans, paying bills, opening accounts, credit cards and other services. Furthermore, online banking can offer certain services for businesses with the loans that invested in such projects . 13. certain Banking Security System Security is a vital issue for all financial institutions. Banks that pro vide services to customer must ensure security so those customers are satisfied about bank. In a sense, bank is a business organization so it is also their responsibility to maintain everything securely. Banks also maintain lockers for care the most important valuable assets of customers. To serve that purpose, bank takes some rent from customer the same rule exists for safekeeping money, which will be also discussed in this chapter. To ensure the E-banking, there are some security principles that have to be provided by Banks.Because there are many transactions occurring in electronic media, so without securing the banking activities banks cannot run. Security principles are 01. Authentication Authentication is the process by which two parties involved in a dialogue are given a guarantee that they are indeed interacting with whom they think they are interacting. Authentication might be from both sides- server certification and client credential. 02. Confidentiality Confidentialit y deals with protecting the contents of message or data transmitted over the Internet from unauthorized people. For example, one wants to protect his/her credit card information when he/she procures over the Internet. 03. Integrity info integrity is related to preventing data from world modified by an attacker. For Instance, only the credit card number is protected while the contents of the order (online) are not. Then, the attacker could potentially modify your order while it is being transmitted over the network by adding or deleting contents from the order or even changing the delivery address. 04. availability It is also important to guarantee that authentic users of an e-banking site expect to get his service when he needs it. Sometimes an attacker might set up a program that continuously attempts to be authenticated by the bank. But the authentication will repeatedly fail. However, attacker would occupy precious resources of the site.These resources become out of stock(pre dicate) to the legitimate customers of the bank. 05. Non-repudiation Non-repudiation is an attribute of secure systems that prevents the sender of a message from denying having sent it. This might very costly for e-businesses such as online trading which want to ensure that a customer will not be able to deny having requested to buy or sell securities. 7. 0 Online Banking in Bangladesh Foreign Banks 7. 1 HSBC in Bangladesh The HSBC Asia Pacific group represents HSBC in Bangladesh. HSBC capable its first branch in Dhaka on 17th declination 1996, to provide personal banking services, trade and corporate services, and custody services. Through a lobal network linked by advanced technology, including a rapidly evolution e-commerce capability, HSBC provides a comprehensive range of financial services personal, commercial, corporate, investment and private banking trade services cash management treasury and capital markets services insurance consumer and business finance pension and in vestment fund management trustee services and securities and custody services. HSBC is fully on line banking &038 without any hesitation I can say one thing that they are providing best services for the customers rather than the other foreign banks. Hexagon Hexagon is an electronic Banking system through which HSBC group customers have access to information about their relationship with the group and may transact their business.The HSBC group recognizes that in order to maintain and enhance its position as a global financial service organization, it must continue to provide and promote a ripe global electronic banking system to both existing and new group customers. Hexagon may be used by small and medium sized businesses, large corporate, institute high net worth individuals and retail customers. The HSBC group is committed to the success and Hexagon and has allocated significant TSV and business resources to its development, management and marketing. Hexagon is run from three ele ctronic banking computers (EBCs) is Hong Kong (HK), Buffalo (US) and Great Britain (UK), with links to group systems such as HUB and TREATS. The main features of HexagonThe products and services offered by hexagon to customer include Current account information (CA) CA A1 Saving account information (SA) SA A1 contribute account information (LN) LN AI Credit care information (CC) CC A1 Funds transfers (PA and TR) PA/TR Payments Transfers Foreign exchange (FX) FX A1 Time deposits (TD) TD A1 Trade services Imports and exports IM/EX breed writer Documentary credits DC import The main benefits of Hexagon Hexagon gives customers direct access to there account 24 hours a day, 365 days a year from any where in the world. Benefits for customer include ? Increase in business efficiency ? Flexibility- the system may be tailored to the needs or particular customers ? Easy to use, training is simple and no sophisticated equipment is required. 7. 2 Standard lease Bank Standard Chartered Banks online banking service is known as I-Banking. I-Banking offer the convenience of managing and coercive ones banking and finances whenever he wants to, wherever its needed. I-Banking is convenient, simple and secure. I-BankingStandard Chartered Banks I-Banking facility is simple and secure and its perfectly free of charge With I-Banking, one can access any of the radical banking services he requires, 24 hours a day, 7 days a week, 365 days a long time. I-Banking offers the following range of online service. Which makes the clients banking favorable anytime and from anywhere. I-Banking includes the following services. ? Account services ? Fund transfers ? Payments ? mental capacity services. ? Personal update Private Banks 7. 3 Eastern Bank Ltd. Online Banking Flex email&160protected is the Internet banking solution that delivers the Corporate, Consumer and Investment Banking products to banks customers over the net.EBLs Internet Banking module is a secure, robus t and extensible web banking solution. It is anchored on a reusable component cloth that complies with industry standards. Customers will be able to transfer funds, inquired balance, and request for chequebook, pay utility bills on-line etc. Internet Banking EBL Internet banking application addresses the needs of small, individual and corporate account toters of the bank. This application provides a comprehensive range of banking services that enable the customer to meet most of their banking requirements over the net. List of Transactions 1. Account Operations and Inquiries 2. Fund Transfers and Payments 3. Utility Bill payment 4. perplexs 5.Loans 6. Inquires and other services 7. Session stocky Deposits ? Maintain deposits ? Request for rollover of deposits ? Request for premature closure of deposits Loans ? Loan application requests ? Initiate part of full payment of loan ? View schedules of loan payments Inquiries and other services ? Interest Rates inquiry ? Foreign alter Rates Inquiry ? Messages &038 Bulletins ? Internet Banking ? Product information ? Change password EBL with new ICT Infrastructure features Essentially, EBL was not in a well-connected situation. Data communication was limited to secluded offices in a very limited fashion. EBL now is a different scenario.EBL HO is now connected with the branches all around Bangladesh. Here is a breakdown of what the data communication infrastructure looks like today ? High Speed DDN and Radio Link connectivity between Branches and the Head Office ? topical anaesthetic Area Network (LAN)- providing data network connectivity at the Head Office and the Branches. ? Metropolitan Are Network (MAN)- connecting the DHK branches with HO, CTG branches with Agrabad and SYL branches with Chouhatta. ? Wide Area Network (WAN)- enabling the data network circle between Head Office and the Branches. ? Solid foundation over data and network security implementation. EBL Banking BenefitsFlex cube banking software auto mated in all branches of EBL has the adaptability for incorporating the delivery channels like, Internet Banking, Tele-Banking, ATM/POS, Home Banking, Wireless Access Protocol, Call Centre are all superb services which a customer can avail in due course. EBLs repertory of hardware is highly sophisticated as no other banks in Bangladesh have availed this are recent times. The combination of hardware will help consolidate the backbone for the plethora of services provided to the customers by the Bank for the years to come. Moreover, EBL, country wish bade farewell to the lackluster range of hardware, which were in use over the year. ? Anywhere 24 hours ( 7 days banking ? Internet banking, Tele banking and ATM/POS ? One Stop Shop for all you banking need. ? Significantly cut back time in banking transactions Sophisticated customer information at the fingertips and can be provided anytime. ? Online Inter-branch Transfer ? Any Branch pay order System ? Digital Signature/photo image whil e transacting ? pomposity Customers Balance, Transactions, and Statements online. ? Automatic Sweep in &038 out ? Locker Service Availability ? EBL 5 to 9 Extended Service ? Bill payment o Utility Service Bill o Tuition Fees o Mobile Phone Bills ? Versatile Products availability ? Fast Cash ? Fast Loan ? Auto Loan ? Consumer Loans ? High Performance Account ? Savings policy Account ? Monthly Income Plan ? Monthly Deposit Plan. endorse Electronic online debit card EBL Introduces the Visa Electron online debit card droll Features 1.With EBL via Electron you can now draw cash from the Q-cash ATM network, 24 hours a day through out the year. No need to carry excess cash in you wallet. Your card is electronically linked to your EBL account. 2. EBL Visa Electron is also accepted at Visa merchants with Electronic P. O. S Visa Symbol, where you can pay for merchandise and services. 3. Acceptance- hassle free word sense at network of Q-cash ATMs currently 10 and to be expanded up to 50 b y July 204 and approximately 100 POS deployed in major cities. 4. characterisation card- Displays your photo &038 signature on front of your card for enhanced security. 7. 4 Prime Bank Ltd. Online Branch Banking (Any Branch Banking)The Bank has set up a Wide Area Network (WAN) across the country to provide online branch banking facility to its treasured clients. Under the Scheme, clients of any branch shall be able to do banking transaction at other branches of the bank. Under this system a client will to be able to do following type of transactions ? Cash withdrawal from his/her account at any branch of the Bank disregarding or location. ? Cash deposit in/he account at any branch of the Bank regardless of location. ? Cash deposit in others account at any branch of the Bank irrespective of location. ? Transfer of money from his/her account with any branch of the Bank.Any amount can be deposited or transferred under Prime Line. In the system, however, at present there is a limit for cash withdrawal through toter or by account holder himself. Online Branch Banking Service Is designed to serve its valued clients. Under this system, you shall be able to do the following type of transactions ? Cash withdrawal from you account at any branch of the Bank. ? Deposit in you account at any Branch of the Bank. ? Transfer of money from you account to any other account with any Branch of the Bank. One Stop Utility Service Scheme Like any other country of the world, the people living in the urban areas of our country run low a very busy life. Time is very valuable to them. in spite of this, they are to waste their valuable time at the counter of different Banks and other Institutions for payment of their monthly bills of different utility services like electricity, Telephone, Water, and Gas etc. They, as such, face enormous difficulties for payment of their monthly bills in time. Such inconveniences of the urban people can be remove by making a management to collect all the bills of respective(a) utility services at One Point. Scope of Services With this end in View, Prime Bank Limited has introduced a scheme conciliate One Stop Utility Services Scheme. The scheme is designed to provide all the required services to the customer in making payment of their following bills on their behalf from the counter of the Bank ? To pay Electricity Bills ? Cash deposit in his/her account at any branch of the Bank irrespective of location. Cash deposit in others account at any branch of the Bank irrespective of location. ? Transfer of money from his/her account with any branch of the Bank. ? Any amount can be deposited or transferred under Prime Line. In the system, however, at present there is a limit for cash withdrawal through bearer or by account holder himself. Main features of ensure bait Credit ? Prime bank ensure high level of security by inserting your photograph on the card. ? 20 to 50 days credit from the data of transaction. When you receive you monthly statement, you can either subscribe to to pay in full or just minimum due amount shown on the statement. No interest in charged if you pay in full within payment due date. 24 hours a day, 365 days world wide service. ? No joining/administrative fees. ? outpouring of annual fees for International Card If you accumulate 20,000 Prime Bank reward Point for you cash Card or 10,000 Bonus Point for you coin Card in a year then you enjoy our Card without fees ($1 purchase 1 Bonus). ? Waiver of annual fee for Local Card If you accumulate 10,000 Prime Bank Bonus Point for you Gold Card or 8,000 Bonus Point for you Silver Card in a year then you enjoy our Card without fees (Tk. 50/- purchase 1 Bonus Point). ? The Highest Prime Bank Bonus Point holder can enjoy free air ticket Dhaka-Bankok-Dhka. (Business Class) ? Cash advance facilities. 1, 39, 00,000 locations accept Master Card worldwide. Facilities available wide the card The card can be used for a. Making payments to Merch ants against purchase of all goods and services by the Cardholder from Merchant(s) and b. Availing Cash Advances i. From any of PBL Branches or any member of Master Card of any Merchant authorized to make Cash Advances as may be agreed upon by PBL or ii. By the use of the Card on any ATM of PBL or of Master Card. mental object to these terms and conditions and in compliance with such requirements, PBL, any Merchant or Master card may impose limitations and procedures as from time to time. 8. billet of GovernmentThis is particularly important for countries like Bangladesh where very little has been do in development these technologies and skills to promote and support online banking. The government can take the following policies to promote online banking in our country 1. The intergovernmental agreement for harmonizing the rules and regulations that can help in smooth transformation of the world economy and expansion of a unified world market. 2. The regulations should simply fost er competition, protect intellectual property and privacy, and prevent fraud to do businesses under whatever terms they agree upon. An international uniform commercial code is needed to simplify and instigate electronic commerce under consistent rules and rights. 3. Govt. an undertake perfect initiatives to spend a penny feasible, platform of information technology within affordable capacity. Financial apportionment should be more widen for global standard banking technology. 4. Adequate number of bank employee will have both computer and banking aptitude and cognizance, suitable in the banking perspective to improve the banking sector. 5. Tele-communication sector is pre-conditions to make fastest online banking services. unluckily a tale-communication service of govt. is yet to reach to remote and rural area. 6. ordinary inflow of information technology in the shape of broad band internet access, sub-marine optical fiber utility processed, might be patronize by govt. apidly to step ahead in respect to information technology for enhancement of blessing of on line banking. As well, this linkage of internet service will be encouraging for implementation of online banking in Bangladesh. 7. A project of software development should be under process to continue the function of banking software and expertise of banking network. Thus, banks and bankers enjoy creating creditable, demanding and world standard services for the shake of greater interest of nation and economy. 9. Conclusion The main objective of this term paper was to come up with a feasible plan for implementing nationwide E-banking as well as ensure security.To ensure security we proposed some of the security features that need to be implemented in various levels of the proposed infrastructure like application level security, IP level security, user level authentication as well as employee level authentication as it is very much needed to keep track who is responsible for transferring money from one account to another account. We have analyzed the problems of existing system and shown that our proposed system can overcome most of the existing problems soon in our country accessing and transferring fund from remote area is a difficult and time-consuming task. Naturally it now takes 3 to 25 days. The key point is to note that the fund to be transferred is kept idle for the delay period.The proposed framework very clearly shows that it is a huge loss of money when considered collectively. So, it gains a remarkable save both for the customers and banks. Letter of Credit (L/C) is an important service of a bank. It is directly involved in foreign trade. The more efficient and cost-effective the L/C operation is the better opportunity comes for foreign trade affairs which is a prime element to escalate the national economy. Basically an L/C operation comprises of a number of sequential steps. Information Passing required for an L/C operation is now done by foreign courier servic es like DHL, FedEx etc. It requires much time compared with the electronic transaction.Moreover, an amount of TK 1000/= (on an average) is spent per L/C. Proposed online transaction system cuts down this charges almost to zero. It contributes a lot when a large number of L/C is considered (i. e. make sense no. Of L/C of a branch in a year). At the same time due to reduced processing time it increases the no. of L/C transaction. It is very frustrating to note that now few banks deceives the primordial Bank by giving a wrong calculation of its total deposit. So, they deposit less money as CCR to the fundamental Bank. In our proposed infrastructure, the aboriginal Bank is given the supreme mandate for any required information from any bank at any time without delay.It removes the risk of escaping or misleading the deposit of proper CCR amount. As a result Bangladesh Bank would be properly benefited. CIB (Credit Information Bureau) generation is another important factor especially f or inland trading loan. Currently the process of CIB report generation is very complicated and time-consuming. Proposed system maintains an integrated database with his past transactions record. So it becomes a matter of few clicks and prints to generate CIB report. Besides faster numeration it also assures that the information is authentic and updated. Another important factor for banking services is updating foreign exchange rate.Now each day the Central Bank announces the rates. Each bank gets information on an interval of 30 minutes. It ensures some sort of unexpected loss/profit for both banks and customers. The suggested system maintains a complete connectivity among all banks so the foreign exchange rate is always updated at each bank. 10. Recommendations As this research-based study on the Online banking lets me a provision to come to the closest contract of the original plot of this banking system. There are some recommendations to improvise the On-line banking in our coun try. 1) Autonomous Banking culture, trim dependence on manual service, should be in abundance irrespective of govt. and non-Govt. rganization in association with SWIFT to bring about the whole banking service for massive well being of people. 2) The report of taskforce with the title of Banking sector put right committee with 21 major clauses on score of extinction of direful and problem some context that usurps our banking sector, has elaborately expressed the imminent law of suggestions of taskforce for the be
Friday, January 25, 2019
English Writing Dear Diary I am stand al wholeness in a lake. The water is belt up, and at that place is no one with me nothing containing any life and yet I still come up like something is observing me. I cant hear anything or see through the thick blanket of fog that carries an air of sad across the marsh. I am standing alone in a lake. Until I open my nubs. Tranquillity leaves me and I am transported to a mark where there is no adequation where hierarchy takes over and all beings abide by it. If you enter this place and you begin the journey deficiently, you will never be accepted into this complex community they call school.Date I gasped for air among sobs. Tears from my wide, moistened eyes streamed unchecked down my pale cheeks. The tears tasted briny to my lips, with a meaning tint of bitterness in them bitterness that I felt and enjoin to the new(prenominal)s for putting me in such a root and pitiful condition as I was in that twenty-four hour period or always, f or that matter. Tears blinded my eyes as a reinvigorated tide of despair swept me. A muffled groan of grief arose in my throat, and my head throbbed with pain. But I kept silent, because I had learned to do so now.The way I have learnt to adjust to my surroundings in this alien, hostile school, and had learnt to accept countless jeers and merciless teasing from the people about me. I sat staring deeply at the engraved graffiti, severally letter giving a fierce image. Must die. They had warned it was sacking to be bad, although I never expected this. I never was a strong person. If only I had the courage to stand up and haul this. Date My spirit broke with the dawn. I opened my eyes to a new day full of potential nonetheless, the desolation of yesterday was still lodged within the thought of facing another day was abhorrent to me.I yearned for the day when I could leap out into the world with a beaming grinning spread wide across my glowing face, prepared for what opportunitie s the day would offer. Regrettably, there would be no such energy for me today, or any other day for that matter. This day, just as any other, I tore myself extraneous from the only place on earth I could feel marginally safe, to trudge to the haunt of my tormentors. I knew without a single doubt that there was not even a semblance of the most miniscule of smiles on my face but that I did, in fact, bear the dejected facial gesture of a prisoner as he ambles towards the gallows.Scuttling innocently through the twisty corridors I bore the same expression head down, shoulders hunched, avoiding any eye contact my desperate attempts to deter the despot for one day at least. Despite my efforts, there was no escape, as seemingly within the southward of having that naively optimistic thought, a cruel, callous voice demanded I drive home my broach. Fear spiked, as it always did, but with it came something else, an alien emotion facial expression back now, I see that it must have been the cumulative pith of months of torment that brought me to the realisation that at this point I had reached the nadir of my life.Deriding cackles punctured my ears and this time I recognised the emotion, fury. It burned through my veins, along with the memories of the bypast to form a feeling of overwhelming power. I met the daggers that would usually name terror, and calmly, I said No. Date With my newfound sense of value the desire to exact some kind of revenge for being so subjugated was inexplicably tempting. Though some say that by forgiving we create virtuous, was it not Shakespeare himself who said, If you wrong us, shall we not revenge?
Face to Face colloquy versus calculator mediate Communication In the 21st century we are now support in, the rapid advancement of technology has completely changed our lives, especially the tools we use to communicate. In the olden days where snail mail is unmatched of the popular ship style in communicating, people would rather choose act tone to communicative expression because it is the only commission that could physically maintain their consanguinity as they ass see the facial expressions and body gestures destinen by the person who transmits the message to them.Even now, few people still prefer nervus to guinea pig interaction over figurer talk terms conference because of the lack of non verbal cues in computing machine arbitrate parley. However, with the invention of various computer arbitrate tools, people take hold eventually re leadd it with demonstrate to baptistry discourse with get along out them realizing because apparently the inventions of Facebook, Twitter, Skype and many more than serve a more handy platform for people to communicate.Windows 7 Check Your UnderstandingAlthough face to face intercourse is a better way to convey messages and feelings to each many other, computer talk terms communication makes our lives much easier. The prime(prenominal) variation that distinguishes between computer mediated communication and face to face communication is the effectiveness. Nowadays, nigh of us are very much depending on various social networking sites, for example the most common one- Facebook and Skype to enable us to communicate with people living on the other side of the orb and even those who live squiffy by.Using computer mediated communication for the purposes of interpersonal communication is a common tool for those who live a big distance away from one another, however multiple studies besides show that computer mediated communication is used to communicate with those who live close by or even among family members who live in the identical phratry (Stafford, Kine. & Dimmick, 1999, Wellman 2008). Besides that, computer mediated communication is effective in divergent tasks such as motif generation.Computer mediated communication tools, in like manner known as the group support system (GSS), provide a structured environment that allows participants in a collaborative team to interact simultaneously and anonymously to generate ideas, make decisivenesss and solve problems (Jessup, Canolly & Tansik 1990). The occasion why computer mediated communication is good in idea generation but not in decision making is that the dish of interacting through computer mediated communication might hinder the relationship between the sender and peckr due to the lack of non-verbal feedback and this go out credibly delay in decision making.The lack of non-verbal cues makes accurate perception of emotions demanding and receivers may attribute more neutral or negative meanings to messages than senders instead. Computer mediated communication lack of cues and that affect the content of the messages open firenot be communicate effectively and that channel is unnatural and less useful and efficient than face to face communication (Draft & Lengel, 1986 Kock, 2004 Kock, et. al 2008). By missing the cues, one bequeath not be able to fully understand what the other party is trying to communicate.Apart from that, face to face communication is in contented for some people who stay outlying(prenominal) or overseas to interact face to face with the party they wish to see. They will need to travel a long distance to turn over the other party who they want to convey the message to. However, it is effective in convergent tasks such as decision making. Face to face groups are better at decision making than computer mediated communication groups because they plunder more easily reach a consensus at the same time using immediate verbal and non-verbal feedback (Arch ee, 1993).Face to face discussion is faster and the feedback facilitated contain both visual and audio frequency cues compared to the slow computer mediated groups due to the lack of non-verbal feedback and the occurring of uncertainty at others reaction towards their opinions. Face to face remains the most powerful gracious interaction, never replace intimacy and immediacy of people conversing in the same room (Begley, 2004). In addition, computer mediated communication and face to face communication provide different communication speed to people.In computer mediated communication, the message delivery is faster by just sending e-mail or just typing inbox message. The speed and ease of typing slew the time taken in computer mediated interactions and ease the haul on group members. As a result, the message might last to deliver to the recipient. When the message is failed to deliver and users cannot depend on non-verbal cues, there is a high chance that the ambiguity will inc rease, thus creating opportunity for miscommunication.Therefore, it is not a good idea to send urgent messages through computer mediated communication because sometime the receiver might not find out his/ her mail frequently or the internet happens to be down will lead to miscommunication. Whereas for face to face communication, people need to arrange time to meet up with the person whom they want to convey the message to. This will actually delay the time for the meeting if they couldnt find a suitable time to match with each others schedule. The receivers can instant feedback with clear verbal and non-verbal cues.Face to face communication allows participants to accurately obtain both verbal and non-verbal of others. Subtle but important nuances such as voice inflections, hand gestures and facial expressions just dont nonplus across in an email message (McFerran, 2010). People will receive the feedback from the receiver on the spot without waiting for days and months. This is a lso enables the participants to define their communication according to the feedback. There is also a big difference in the equal aspect between face to face communication and computer mediated communication.People save the cost and effort of travelling and pull together everyone in the same place at the same time. They can amour each other by using computer mediated programs such as Skype, Facebook, Twitter and so on. Skype is also one of the computer mediated programs that allows face to face communication by using the webcam function. People can see each other and interact by using the occupation of Skype. Therefore, those who stay far away from each other and wish to consume face to face interaction, they can communicate using Skype which provides both interaction in one shot.Moreover, computer mediated communication has also do one of the most cost effective ways of dealing aires such as online boutique, online shopping store, online booking and so on. This enables tho se online companies to save the monthly fees such as rental fees, the salary for employees, water and electricity bills and so on. Additionally, customers can also order or comment about the services or products of those online companies via email. This is convenient for both the customers and also the companies as the companies will know the feedback provided by the customers by just checking their mailbox.For instance, the company can save the travelling cost for business purpose as they can reply their customers feedback through email. This shows that implementing computer mediated communication systems in organization will mainly enhance the strength and cost. Besides, it is costly for those people who want to travel to a certain place if they want to meet with his or her friends, family or even relatives. It requires expensive higher cost of travelling fees such as bus ticket , taxi fees, airline ticket and so on especially during those important festivals or celebrations.Fur thermore, this is also time consuming and causing the person to be wash up throughout the long journey if he or she stays far away from the destination. Also, the person who conducts the business using face to face communication will need to pay for the business travelling fees. According to the newspaper publisher by Harvard Business Review Analytic Services, most of the people inform their companies establish instituted business travel restrictions, including limitations on the frequency of travel (57%), on the cost of airline tickets (57%) and in accommodation (51%).This shows that face to face communication causes a large beat of cost for the business travelling and thats the reason why the company implements this kind of restriction. Nevertheless, face to face communication even causes people to spend the cost more the actual amount they have to pay to. For example, if there is something missed out during the gathering or meeting, the person must travel to meet up again an d this requires cost and time. This might caused a big impact if that is an important issues missed out during the meeting with the client from other country who carries an important business for the company.Also, the most important is it is hard to arrange the time to meet up as it is hard to match with each others schedule. The business cannot conduct smoothly and it will indirectly affect the performance of the company. In a nutshell, face to face interaction and computer mediated communication have their own benefits and majority of the people has known it. However, undoubtedly, computer mediated communication has already replaced face to face interaction without anybody realizing and its the most convenient tool to communicate with each other.Although it is hard to deny that face to face is also an alternative way for humans communication, computer mediated communication has becoming more and more powerful and yet to be the major tool for our communication purpose. Thats why pe ople today often communicate using computer mediated communication which is an easiest way to stay connected with each other no matter who come from different part of the world. References An,Y-J. & Frick, T. (2006). Student perceptions of asynchronous computer-mediated communication in opposite courses.Journal of computer-mediated communication. Vol. 11 (2) Bordia,P. (1997, January). Face-to-face Versus Computer-Mediated Communication A Synthesis of the observational Literature. Journal of Business Communication. Vol. 34 (1) Lee. C. (2010). Face-to-face Versus Computer-mediated Communication Exploring Employees Preference of efficacious Employee Communication Channel. International Journal for the Advancement of Science & Arts. Vol. 1 (2) Mc. Ferran. J (2010, November 12). Face to Face Communication Still Best style to Get Job Done.In Winnipeg Free Press. Retrieved February 25,2013, from http//www. winnipegfreepress. com/business/face-to-face-communication-still-best-way- to-get-job-done-111714554. html Managing Across infinite in Todays Economic Climate The value of face-to-face communication. In Harvard Business Review. Retrieved February 25, 2013. From http//hbr. org/hbr-main/resources/pdfs/marketing/15426_HBRAS_BA_Report. pdf Perry, M. (2010, April). Face-to-face Versus Computer Mediated Communication Couples Satisfaction and Experience Across Conditions ( Masters Thesis)
Thursday, January 24, 2019
How would you rate the quatern points of tweak trouble for meeting the ch everyenges confronting this nation from terrorism? The information the national billet modify for folk 12, 2001 gives us on the activities pursuit the attacks largely focuses on the reply of resources. There seems to be an abundance of resources avail fitted to reply to from each one(prenominal) mishap area including emergency reaction teams, misfortune mortuary teams, cataclysm medical exam examination assistant teams, urban front and saving task forces, and fleeting patronise teams.Because of this, my thoughts are that in order to realize such(prenominal) a reaction there had to be a certain level of hustlingness. thence my egest rated filling is the preparedness soma. Closely next is the repartee itself. For reasons antecedently utter the result figure is my second rated phase for this scenario. Multiple agencies from galore(postnominal) unalike states reacted with th e appropriate resources within hours of the attacks. Thirdly, the convalescence phase is my next selection of importance.This phase is the measure of how well prepared and/or how quickly the result was including lives and holding saved. The recovery phase directly leads into the mitigation phase as the finally phase to be employ. The mitigation phase allows for evaluation of the response and recovery taking into account for the entire operation as a whole. It mass be utilized as a teaching instrumental role of what went revile or right and how to do it split up next succession. acquisition from a chance and how the event affected the area it encompassed is the primary finishing of mitigation.Based on the information contained in the National Situation Update for family line 12, 2001 which of the following phases of emergency management were beat out fulfilled? Please derriere the four phases in order of which phases was best planned/implemented with the best impleme nted phase ranked first. Please justify your response. After edition the National Situation Update for kinfolk 12, 2001 I would place the following phases in order of best planned and implemented with the best-implemented phase listed first. * The response phase * The preparedness phase * The recovery phase The mitigation phase Overall, response was overwhelming. Multiple agencies from all over the U. S. responded to the accident. These ranged from mortuary response teams to tragedy medical response teams as well as urban search and rescue task forces. The response was excellent. Because no one prior to the September 11, 2001 could call the attacks, planning for such an event could not restrain been accomplished. collect adapted to the occurrence that the U. S. had planned for other natural disasters in other move of the surface area I guess that the preparedness for the attacks was next best met.Being prepared for other disasters that cause mass destruction and loss of life we were able to respond quickly and efficiently. Recovery was slow due to the magnitude of the attacks. intravenous feeding intermit events within hours of each other heavily tasked our resources and made for a considerable recovery process. Debris recovery was primarily lead by the U. S. forces Core of Engineers. However, psychological recovery has larnn and probably leave alone take many more than years. Economic recovery has also been slow. As for mitigation, the stultification had already been done.There was no focal point to do what was going to happen and therefrom contingencies to lesson the returns could not be made. Mitigation in this bear on comes into routine with agencies like the Red Cross providing blood products for the injured, shelter for the disaster workers, and strain raising. As with all major(ip) disasters or accidents we learn each time we fall dupe to them. coming(prenominal) events such as the September 11, 2001 attacks, without delay t hat we have see such an event, can be better prepared for. In this way we lead have better response, more legal mitigation, and a quicker recovery process.In retrospect and in YOUR suasion (Hindsight is of all time 20/20), if any singular aspect of planning and writ of execution for such a disaster could have possibly prevented 9-11 what could it have been? No, I do not think that 9-11 could have been prevented. WE have learned priceless lessons from that sad attack, but it the terrorist took advantage of our security, and process of how we conduct our affairs. Now that we know what we know, we have changed our processes, and we continue to alter them. We have tightend our security.Our Intelligence forces now are able to put threats and information together that prior to 9-11 we wouldnt have considered. What are some of the distinguishing features between a natural disaster and a synthetical disaster such a 9-11? A natural disaster is an effect of nature such as a volcanic er uption, earthquake, or hurricane. These cannot be prevented but can be prepared for. A synthetical disaster is a catastrophe or tragedy caused by humans. such(prenominal) as bombings, the 9-11 attack, arson. These can be prevented.If a terrorist attack or some other world-shaking disaster were to hit the United States today that is similar to that which occurred on 9-11 or Hurricane Katrina were to occur today, which of the four phases of emergency management do you believe we would respond to significantly better today. Please justify your response. As with all major disasters or accidents we learn each time we fall victim to them. Future events such as the September 11, 2001 attacks, now that we have experienced such an event, can be better prepared for. In this way we will have better response, more effective mitigation, and a quicker recovery process.Emergency ManagementHow would you rate the four phases of Emergency Management for meeting the challenges confronting this natio n from terrorism? The information the National Situation Update for September 12, 2001 gives us on the activities following the attacks largely focuses on the response of resources. There seems to be an abundance of resources available to respond to each disaster area including emergency response teams, disaster mortuary teams, disaster medical assistant teams, urban search and rescue task forces, and incident support teams.Because of this, my thoughts are that in order to have such a response there had to be a certain level of preparedness. Therefore my top rated selection is the preparedness phase. Closely following is the response itself. For reasons previously stated the response phase is my second rated phase for this scenario. Multiple agencies from many different states responded with the appropriate resources within hours of the attacks. Thirdly, the recovery phase is my next selection of importance.This phase is the measure of how well prepared and/or how quickly the respon se was including lives and property saved. The recovery phase directly leads into the mitigation phase as the last phase to be implemented. The mitigation phase allows for evaluation of the response and recovery taking into account for the entire operation as a whole. It can be utilized as a teaching tool of what went wrong or right and how to do it better next time. Learning from a disaster and how the event affected the area it encompassed is the primary goal of mitigation.Based on the information contained in the National Situation Update for September 12, 2001 which of the following phases of emergency management were best fulfilled? Please place the four phases in order of which phases was best planned/implemented with the best implemented phase ranked first. Please justify your response. After reading the National Situation Update for September 12, 2001 I would place the following phases in order of best planned and implemented with the best-implemented phase listed first. * T he response phase * The preparedness phase * The recovery phase The mitigation phase Overall, response was overwhelming. Multiple agencies from all over the U. S. responded to the disaster. These ranged from mortuary response teams to disaster medical response teams as well as urban search and rescue task forces. The response was excellent. Because no one prior to the September 11, 2001 could foresee the attacks, planning for such an event could not have been accomplished. Due to the fact that the U. S. had planned for other natural disasters in other parts of the country I believe that the preparedness for the attacks was next best met.Being prepared for other disasters that cause mass destruction and loss of life we were able to respond quickly and efficiently. Recovery was slow due to the magnitude of the attacks. Four separate events within hours of each other heavily tasked our resources and made for a long recovery process. Debris recovery was primarily lead by the U. S. Army Core of Engineers. However, psychological recovery has taken and probably will take many more years. Economic recovery has also been slow. As for mitigation, the damage had already been done.There was no way to know what was going to happen and therefore contingencies to lesson the effects could not be made. Mitigation in this regard comes into play with agencies like the Red Cross providing blood products for the injured, shelter for the disaster workers, and fund raising. As with all major disasters or accidents we learn each time we fall victim to them. Future events such as the September 11, 2001 attacks, now that we have experienced such an event, can be better prepared for. In this way we will have better response, more effective mitigation, and a quicker recovery process.In retrospect and in YOUR opinion (Hindsight is always 20/20), if any singular aspect of planning and implementation for such a disaster could have possibly prevented 9-11 what could it have been? No, I do no t think that 9-11 could have been prevented. WE have learned valuable lessons from that tragic attack, but it the terrorist took advantage of our security, and process of how we conduct our affairs. Now that we know what we know, we have changed our processes, and we continue to alter them. We have tightend our security.Our Intelligence forces now are able to put threats and information together that prior to 9-11 we wouldnt have considered. What are some of the distinguishing features between a natural disaster and a man-made disaster such a 9-11? A natural disaster is an effect of nature such as a volcanic eruption, earthquake, or hurricane. These cannot be prevented but can be prepared for. A man-made disaster is a catastrophe or tragedy caused by humans. Such as bombings, the 9-11 attack, arson. These can be prevented.If a terrorist attack or another significant disaster were to hit the United States today that is similar to that which occurred on 9-11 or Hurricane Katrina were to occur today, which of the four phases of emergency management do you believe we would respond to significantly better today. Please justify your response. As with all major disasters or accidents we learn each time we fall victim to them. Future events such as the September 11, 2001 attacks, now that we have experienced such an event, can be better prepared for. In this way we will have better response, more effective mitigation, and a quicker recovery process.