Development in banking and finance Essay Example | Topics and Well Written Essays - 4500 words

Development in banking and finance - Essay Example With passage of time things turned more complex; bankruptcy of big financial institutions like Merrill Lynch, Morgan Stanley and Bank of America disturbed the sentiment of the market. Such state of affairs affected the global stock markets and soon almost all the developed nations were engulfed by economic recession (p.63-67) To support the economy, the government of different nations infused stimulus packages for injecting liquidity in the market. Government also provided bails to several corporate companies to save them from bankruptcy. The increasing financial crisis was aggravated by a decline in demand; hence government had to enhance spending so as to raise the demand. To raise the demand and boost confidence among the investors, government reduced tax rate on several direct as well as indirect tax instruments so that the investors can have more money in their hand. To boost expenditure among the investors and to enhance supply of cash in the market, government reduced prime lending rate as low as possible. From the above given fact it appears that government of almost all the developed nations are following expansionary monitory and fiscal policy. Through expansionary monitory policy governments were able to reduce the rate of interest to a great extent. Through open market operations the central bank enhanced total money circulating in the economy whereas the government enhanced the monitory supply through sovereign bond transactions. The governments of developed nation enhanced disbursement of cash through banking sector by reducing cash reserve ratio i.e. the cash which the banks need to maintain as deposit with central bank. Reserve banks gave loans to the financial instructions at lower rate so that they can disburse loans to the investors and supply of money increases. Interest rate is the most commonly used monitory tool to

Written report of Ma Wan Essay Example | Topics and Well Written Essays - 1250 words

Written report of Ma Wan - Essay Example Although Ma Wan is a small island, it has proved to be a favourable destination for international and local tourists (Sewell & James, 1995). It has a number of leisure places such as the Ma Wan Park, Noah’s Ark Museum, Ma Wan Tung Wan Beach overseen by the Leisure and Cultural Services Department and the Heritage Centre (Sewell & James, 1995). Ma Wan is an island and a relative small one and as such has a small number of inhabitants. One thing notable is the old abandoned houses that are found in sections of the island. The governments seem to have prompted an agenda of relocating some of the locals to ease population in this area. The reduction of the population had fallen to 800 in 2008 (You Lin Xu, 2011). Abandoned shops are visible, and schools too, one being the Kei Wai Primary School indicating that the locals had not been alienated to the outside world. Religion integration is well-bonded in Ma Wan. Noah’s Ark is also an important landmark in Ma Wan. It is based on the Biblical story about Noah. The presence of temples has been an indication of the preservation of Ma Wan’s religion. Presence of churches and temples places Ma Wan as a multi-religion region, and there has been a peaceful co-existence between these different groups. These indicates an important aspect of diversification around Ma Wan. Ma Wan transport has been significantly advanced, and the construction of Kap Shui Mun Bridge is an indication of this progress. However, though, the people of Ma Wan depend on water transport mainly to get to the mainland and also the tourists mainly use water transport as part of their leisure activities. Therefore, it is an indication that Ma Wan has limited connection of roads to the mainland of Hong Kong. As such, the locals offer transport services through boats. A harbour is also present in Ma Wan, and this has been as a result of the evacuation

Relations Between The US And India

Relations Between The US And India India and Pakistan have been in the interest of the United States due to their strategic positions and roles the South Asia. This memo will describe an overview about US relations and policies toward India and Pakistan. It will also provide recommendations that Vietnam must support US policies toward India because of the benefits for our country regarding to economic development, nuclear energy plan and defense and security stability. This memo uses realism and systemic approach as the analytical framework. It studies and analyzes the relationships and policies in the concern with power and security in the whole international system. BACKGROUND Relations between the US and India After Indian independence in 1947, the relationship between India and the US was not warm. US policies regarding to India -Pakistan dispute over Kashmir was one issue that deteriorated India US relations since the US was supporting Pakistan over India. Even during Sino Indian war in 1962, when the US provided India with military support, the relationship did not improve much. During Cold War, the US was concerned about the neutrality of India because India signed the Indo Soviet Treaty of Peace, Friendship and Cooperation in 1971.  [1]  During this period, the US viewed India as just a regional power with little global weight and concentrated more on supporting Pakistan, which was invaded by the Soviet from 1979.  [2]   After Cold War, the US lessened assistance to Pakistan, leading to a better relationship with India. Furthermore, since 1991, India has transformed the economy and opened the country to foreign investment. With rapid growth, India has become an emerging economic power in the world and had opportunities for economic engagement with the US.  [3]  The relationship between the countries has been positively shifted, especially in economic development, security, military and nuclear cooperation. However, it has been constraint mainly because of the complication of the trilateral relationship: the US India Pakistan. Current Policies of the US toward India Economic Policies: The US strongly supports Indias economic reform, and develops trade and investment partnership with India. Bilateral goods trade revenue between the two countries increased 932.14%, from $5.6 billion in 1990 to %57.8 billion in 2011.  [4]  US foreign direct investment to India was $27.1 billion in 2010, a 29.5% increase from 2009.  [5]   However, India has extensive trade and investment barriers, such as heavy government involvement in the banking and finance sector and demanding regulatory structures. Therefore, the US has encouraged and supported India to remove those barriers.  [6]   Security and Military Policies: The US and India share a variety of common strategic priorities. Both are concerned about the rise of Chinas power and do not want China to dominate Asia. They also consider the security of energy lanes in the Indian Ocean as a critical factor to their national security.  [7]  With those strategic policies, the US has had Indias in its side in a number of situations. India supported the US in three resolutions against Irans nuclear programs and in the reconstruction in Afghanistan. Indian military forces have also had tight contacts, joint patrols, joint training and exercises with the US.  [8]   The US has been selling defense equipment to India. By 2011, US arms sales to India reached approximately $8.83 billion.  [9]  However, US arms sales decisions to India still depend on the stability of the region, especially the balance between India and Afghanistans military. The US is also concerned about the engagement between India and Russia and Israel, the two major suppliers Indias army.  [10]   Another remarkable point in US policies toward India is that US President Barack Obama publically announced that the US will supports India to be one permanent member of United Nation (US) Security Council if it is expanded.  [11]  Although it does not mean that the Council will be reconstructed and India will be able to have a permanent seat soon, Obamas announcement has been an effective diplomatic gesture to show the importance of the US to India and to strengthen their relationship.  [12]   Nuclear Policies: US nuclear policies have been to cooperate with India. By doing so, the US not only to be able to sell nuclear fuel, technology and reactors, but also build up India as a counterweight of China in Asia.  [13]  In October 2008, the US Congress approved an agreement facilitating nuclear cooperation between the two countries. Although the deal has brought benefits for both the US and India, it has faced criticism and responses from many other countries. The deal has been said to go reversely against the international efforts of nuclear nonproliferation. It can also increase the risk of a nuclear arms race in Asia, when Pakistan, Iran and North Korea are attempting to develop their nuclear weapon programs as well.  [14]   Relations between the US and Pakistan After Pakistan became independent in 1947, the US provided military aid to Pakistan but did not seek deeper relations. However, in 1965 when the Indo Pakistan war occurred, the US suspended the assistance.  [15]  In 1979, the US discovered that Pakistan was building a uranium-enrichment facility in response to Indias nuclear program, and then stopped the aid.  [16]   In the same year, the Soviet invaded Afghanistan, leading to the reconnection between the US and Pakistan. However, once again, the discovery of Pakistans nuclear weapon programs in 1990 caused to the suspension of military assistance from the US.  [17]   The nuclear tests in 1998 led to new US sanctions to Pakistan. However, the 9/11 terrorist attacks on the US (2001) was a turning point from which Pakistan started to be valuable for the US in the counter-terrorism campaigns. Economic assistance came back, and Pakistan became a major non-NATO ally of the US.  [18]  But since May 2011, after US intelligence killed Osama bin Laden in Abbottabad, Pakistan, the relationship has reached to its lowest point since 2001.  [19]   Current Policies of the US toward Pakistan: Economic Policies: In March 2009, the US develop an AfPak policy to emphasize that success in Afghanistan depend on actions taken in Pakistan. The US has increased annual aid to Pakistan from $600 million to $1.5 billion in five years. The new strategy has aimed to assist Pakistan to improve living standards of local people, especially ordinary Pakistanis along the border region and counter al Qaeda and Taliban propaganda.  [20]   Military Policies: Obamas administration now is still expanding Bushs policy of drone attacks to the Taliban in the north-west of Pakistan.  [21]  This strategy has shown its effectiveness in killing Taliban groups, but it has alienated the public because of innocent civilians being collateral damage. According to the Bureau of Investigative Journalism, a non-profit organization in England, between 474 and 881 civilians in Pakistan have been killed in strikes from 2004 to 2012.  [22]   The US has assisted Pakistan with Train and Equip programs. US arms and security assistance has included helicopters, infantry arms, advanced identification systems and police training, with the purpose of strengthen Pakistan domestic stability and law enforcement capability.  [23]   Nuclear concern: WikiLeaks in 2010 revealed US diplomats fear that Pakistans nuclear weapons program could lead to the weapons falling into the hands of terrorists or a devastating nuclear exchange with India.  [24]  However, US responses toward Pakistans nuclear programs are still unclear. Challenges the US Faces: Challenges for the US in South Asia are the quadrilateral relationships between the US, India, Pakistan and China. These relationships are extremely complex. India and Pakistan have had a long history with wars and conflicts. The Kashmiri sovereignty has been a major issue of tension. The two countries also appear to be fighting a shadow war inside Afghanistan.  [25]  The US India and the US Pakistan relationships themselves are constraint because of each other. The tie between the US and Pakistan displeases India and vice versa. Chinas South Asia interests are firmly linked with Pakistan. This situation is problematic not only for the China India relationships, but also for the China the US ones because of significant US investment in Pakistan. RECOMMENDATIONS Vietnam has strategic relations with India, but not really with Pakistan, thus at the moment we just need to focus on US policies toward India. In order to maintain peace in the region, develop relations and get benefits from both India and the US; Vietnam must support US policies toward India. Following are the reasons: Benefits for the Economy: US economic policies toward India bring Vietnam benefits, not harm. The US encourages and supports India to remove trade and investment barriers,  [26]  opening more favorable conditions for Vietnam to trade with India. Both India and the US are important economic partners of our country. By supporting US policies, we can maintain and develop economic relationships with both countries, with the purpose of strengthening our economy. Benefits for the Nuclear Energy Plan: US policies toward Indias nuclear energy program benefit Vietnams plan of building nuclear power plants. The US has showed its interest in assessing other countries nuclear programs to see whether they are for peaceful purpose or not. Having an example of a peaceful energy nuclear program being supported by the US, we can confidently develop our plan. In addition, India has been a partner for our program, apart from Japan and Russia.  [27]  With US technology transfers, India can assist Vietnam more effectively. Cooperation with India will be important to us because we might no longer rely on Japan, which might exit the nuclear industry due to the damages after the tsunami in 2011.  [28]   Benefits for Defense and Security: The US India relations is a counterweight of China in Asia, especially in the East Sea conflicts. Supporting US military and security policies toward India brings Vietnam advantages in championing our targets from the disputes. High level of military exchanges, joint training and exercises between Vietnam and India,  [29]  with US support, has been strategic for us to deal with China. Backing India to be a permanent member of the UN Security Council is also beneficial for Vietnam due to the relationships between the two countries. CONCLUSION US relations with India and Pakistan have had a long history, with significant changes after each period of time. The US has had special interest in both India and Pakistan because each country has strategic importance for US power and security. With regard to this situation, Vietnam must support US policies toward India because they bring us benefits for our economy, nuclear energy plan and defense and security stability.

Context and Description of the Advertisement Essay

The advert, BK SUPER SEVEN INCHER, is the property of Burger King Food aimed at promoting the new sandwich that the company has produced for its customers. From the start, the advert makes you think of something sexual through the picture and words that have been used in the advert. The display of the advert is a picture of a woman with her mouth open and the sandwich going in and at the bottom of the advert. There is a caption which states â€Å"it’ll BLOW your mind away† Using pathos, for humor and the text of the advert. Context and Description of the Advertisement The ad I choose is a more recent advert by Burger King Food, which they have developed to promote the has a woman with red lipstick, side view of her with her mouth open, with the new BK sandwich, going by the name the â€Å"BK SUPER SEVEN INCHER† heading into her mouth. Right underneath the picture it has the caption, â€Å"IT’LL BLOW YOUR MIND AWAY† and in the upper right hand corner it also reads; â€Å"IT JUST TASTES BETTER†. From the outlook of the whole advert, I believe the target of the audience was directed mainly towards the male gender, especially the younger males from the age of 18 years and those whole are middle-aged. This is due to the reason that the image used is that of a young woman opening her mouth for a sandwich, which is attractively decorated (Petley, 2003). The text used also tends to create some kind of sexual image in combination to the picture of the woman. However, it could also be fit for women as well, since it seems to be d irected and make the audience believe it is a sexual advert. This is demonstrated through the use of various words like; â€Å"BLOW, Fill your desire for something long, and it just tastes better† as well as have the picture of a white young lady who is opening her red lipstick mouth to a sandwich that is claimed to be seven inches in length. The company, Burger King is known to be one of the all American fast food joints that compete with other companies such as McDonald’s, Carl’s Jr., and In and Out, which also offer similar products among many others. The intention of the advert in my opinion was to create and bring out some form of humor for the majority of the customers who are in the younger age group category of customers (Petley, 2003). The use of some form of sexual context in the advert was to draw attention of those customers in the age group mentioned above. The image used in the advert is that of a white woman, displaying the side view of her face, with some short blonde hair wearing some lipstick on her lips. The picture of the young lady in the advert displays her mouth open and the new sandwich known as the â€Å"BK SUPER SEVEN INCHER† sandwich heading straight into her mouth. The caption in the upper right hand corner says, â€Å"IT JUST TASTES BETTER† and right below the image there is another caption which states that, â€Å"It’ll blow your mind away†. In the lower part of the second caption in the advert has the picture or image of the sandwich that is being offered with the name of the sandwich being â€Å"BK SUPER SEVEN INCHER†. Additional fine print of the advert contains details about the sandwich and it states, â€Å"fill your desire for something long†. The use of color has been done in such a way that there is harmony and clearly outlines the details of the advert making the words legible and the picture visible and attractive (Petley, 2003). Analysis of Rhetorical Appeals The advert clearly demonstrates various rhetorical appeals and I believe that Burger King Food has made use of all the three rhetorical appeals in their advert (Rosenwasser, & Stephen, 2012). The rhetorical appeals which have been used include appeal to Logos, Ethos and Pathos. Reasoning (Logos) It is important that an advert must appeal to reasoning and sound logical when someone interested looks at the image of the advert in addition to the picture used in an advert. Using various texts in the advert for example, â€Å"IT JUST TASTE BETTER†, as used in the advert, placed in the upper right hand corner. Burger Kind Food makes one see the logic behind the woman and the sandwich through the use of the above text mentioned as an example (Rosenwasser, & Stephen, 2012). It is logical since this is a new product placed in a recent advert hence the statement, â€Å"IT JUST TASTE BETTER†. Character (Ethos) The author of the advert, Burger King Food, tries to appeal to ethos through the picture of the woman used in the advert and the words which may elicit different emotions such as desire, love or some sexually relate emotions (Rosenwasser, & Stephen, 2012). The author displays the side view of the woman with red lipstick and an open mouth in addition to words such as â€Å"Just tastes better† and â€Å"It’ll blow your mind away†. In this advert, the image of the sandwich is directed towards the mouth of the young lady who is displayed, which the author of the advert uses to elicit emotions and feelings of wanting to have the exact same sandwich as the one in the advert. Emotion (Pathos) The author has used the side view of the woman with red lipstick and a wide open mouth. This brings the feeling of desire for food, especially sandwich, since it arouses the emotion of desire to try out the sandwich (Rosenwasser, & Stephen, 2012). Through the use of the picture of a woman with an open mouth and a sandwich heading inside the mouth with red lipstick in addition to the use of the words such as â€Å"IT’LL BLOW YOUR MIND AWAY†, evokes may evoke or give the impression of sexual feelings. Furthermore, in the fine print of the advert it states that, â€Å"Fill your desire for something long† in addition to the title â€Å"BK SUPER SEVEN INCHER†. This arouses the feelings and makes one to believe that the advert is more of a sexual advert than just a simple commercial advert that is intended to promote the sandwich (Petley, 2003). Conclusion From the analysis of the advert, I was able to make a concluding finding on this advert as one that has led me to believe that it is in fact a sexual advert. Based on the context of the texts that have been used in the advert as well as the image as shown below, the advert is more sexual oriented and is more inclined towards the male gender who may be the customers to be attracted by the advert. Apart from being an advert that seems to portray a different message than what may have been the intention of the author, it is a captivating advert and quite appealing to the intended audience hence I would say that the advert has achieved its main objective of attracting the audience to make purchase of the new sandwich by Burger King Food. References Petley, J. (2003). Advertising. North Mankato, Minn: Smart Apple Media. Rosenwasser, D., & Stephen, J. (2012). Writing analytically. Boston, MA: Cengage. Source document

The Youth in the Journey of Excellence

The Youth in the Journey of Excellence Every Filipino child has the talent to share and to be developed. This is the reason why we always go to school- to showcase our talents for us to succeed and achieve our goals in life. Our talent is our path for us to excel in the quest of excellence. Some children know how to sing and dance while some know how to paint. You see, children like us have different talents to share and to be showcased. All of us have the talent and skills to be proud of. This Valleygsahan event is one way to develop our learnings and knowledge.It is because we know that we can always excel in life if we have the passion and the hard work in every single thing that we do. It is also because we know that we can fulfil our ambitions in life. Although we may lose in some battles, it is just the challenge for us to excel to be a better person and to be an individual who perseveres in life. It is not enough that we only have the knowledge or talent for us to succeed but it must be coupled by hardwork and prestige.. But we, the youth, let us not forget to follow our dreams because our dream is the hope for us to excel in life. Education is the key to success†. Let this saying be our strength for us to study well in school because we all know that as a child, we have many ambitions that we want to come true. As the youth, we have many goals in life that we want to fulfil and achieve. We want to excel in our careers no matter what barriers would come because we won’t ever give up our dreams and we also know that achievement and excellence come only to those who have the courage, strength, and perseverance to fulfil their goals in life†¦We will continue to fight and fight for us to excel without giving up. With the word â€Å"education† ,we know that this powerful word can lead us into a better future for us to excel and for us to achieve excellence in our journey in life. Just like the other children, I also have many dreams a nd ambitions. For me, I want to become a writer someday because writing is my passion and no matter what, I will work hard to achieve my dreams because I want to have excellence in my life.In this society where I live, there are many well-known personalities here that serve as the inspiration for the youth because we know that those prominent individuals encountered hardships for them to achieve what they are right now. As the youth, we will follow their footstep and we will also be passionate in everything we do. Just like them, we will walk in the path of excellence for we know that in that path, excellence awaits. Let us always bear in mind that we should never give up even though we will encounter hardships and trials because it is just the challenge for us to be stronger.To my fellow Filipino children, do not be afraid to dream because those dreams and ambitions will lead us to excellence. Education will serve as our key to success. Hardwork and passion will be our path to achi eve our goals in life. Our dreams and ambitions will be the hope for us to excel . The youth will be the inspiration for our fellow Filipino children who want to achieve excellence in life. It has been proven, the Filipino youth had reached success, achievements and excellence in their journey of life.

Proc 5820 Operations Management - 1252 Words

As a Compass manufacturing company the organizational chart is very simplified. The positions are depicted down to the manger level. The executive vice president reports directly to the chief executive officer of Firebird Compass Tech. The marketing department manages customer demands. They also generate future sales and manage partnership technology initiatives for future projects within the navigation industry. The operations department manages people, schedules, equipment, technology, materials and information. Planning and scheduling production for each month was determined by operations management. The timing of packaging and delivering was forecasted and pushed through the information process internally to the packaging†¦show more content†¦As the compass progresses along the assembly line, plastic components are snapped together. Some plastic components move through printers, which stamp them with markings such as the company logo, or with scale markings for us e with maps. This could cause the throughput to slow down if defected parts are discovered. The Firebird Manufacturing facility is spread over 130,000 square feet and has a capacity for producing over six million compasses each year. Firebird Compass matches production capability to customer orders. The continuous analysis done weekly on the resources in the plant is compared to meet the demand of the product so our obligations are fulfilled. Firebird employs short term fixes to any imperfections in balance by hiring extra workers during a heavy production cycle, plan a third shift for continuous operations, approve overtime at the worker level and sub-contract if necessary. Production planning at Firebird is a key essential task with complimenting sub tasks requiring the managers input for a successful operation. At Firebird modulating capacity is accomplished by additional overtime and increasing the part time employees hired for the additional production needed. Firebird has the capacity to meet the demands of the compasses that are ordered at frequent peaks during the year. Firebird can achieve this demand with inventory buffers in the supply chain. By keeping an

What the In-Crowd Wont Tell You About Why College Essay Samples

What the In-Crowd Won't Tell You About Why College Essay Samples If You Read Nothing Else Today, Read This Report on Why College Essay Samples You ought to have a plan, an established structure, once you are writing an essay. When choosing the proper college essay topics, students ought to be keen to focus on the key ideas they're attempting to pass in their essay. Possessing good essay examples provides the reader an in-depth and on-the-court idea about what a well structured and coherent essay appears like. There's no ideal solution about how to compose an effective essay. Bridget's essay is quite strong, but there continue to be a couple little things that could be made better. There are several essay writing services that think they're the very best, and therefore don't be cheated and check the real list of the very best. It's always frustrating every time a piece with this much potential misses the mark. The next step is the filling in of a purchase form. The sample is there to provide you with an impression on the standard of the paper. Most samples are at no cost. The Benefits of Why College Essay Samples Veteran writers, on the flip side, know your essay gets more strong and persuasive once the message is directly conveyed and concisely written. The procedure for purchasing essays is straightforward and easy. If you are search ing for top essay writing companies, try out the mentioned above. Take into consideration the piles and stacks of essays that you may have to read. Ruthless Why College Essay Samples Strategies Exploited An excellent college essay isn't just persuasive, it's a piece which highlights the suitable attitude to the college, the personal aspirations and the vision the student has once they get in the school. Colleges wish to know you're a superb fit for their school and have a true comprehension of it. Every student demands help with homework from time to time. The Importance of Why College Essay Samples Any academic writing is hard when they're not well. Even then you're not able to discover the informative and accurate info. College application essay, is a significant aspect as it aids the panel, decide on the best students that show the right type of motivation, for placement into a few of their programs. Essay writing examples in doc format like the ones given may help dire ct you in writing a great composition. Top Why College Essay Samples Secrets One of the major aspects about a college essay is, it needs to be grammatically coherent. Unfortunately, stumbling in the TMI zone of essay topics is more prevalent than you believe. One of the absolute most troublesome things in writing essays is inventing a great title. Not having sufficient time for writing essays might lead to crafting average excellent essays. Simplifying your essay is considerably more important than attempting to appear intelligent. Thus, using complicated sentences in your essay isn't always a good idea. The process for getting essays crafted is easy and straightforward. Bear in mind, an admission essay sample may be a good way to find out more about the writing procedure and understand the task better. Demonstrated interest is vital in the modern competitive admissions scene to stick out from the remainder of the pack. It's extremely important to demonstrate your capacity to be a comprehensive observer of the planet, since that will be one of your principal jobs as a college student. Many college applicants make the error of attempting to incorporate all their accomplishments and activities in their application essays. Also, try to remember that no college is eager to admit a person who is too close-minded to gain from being taught by other people. Unlike the expert leagues, however, the athletes don't get a cut. College athletes are often thought to be a number of the luckiest young people within the world. They are people that are trying to get to the pros and therefore, are not paid because they have not made it yet. A huge reason college athletes shouldn't be paid is just because they aren't professionals. If you don't, it is possible to actually hurt your odds of admission. A personal statement ought to be written in Using subheadings when writing your own personal statement for school admission may be an advantage if you really need to earn the coveted slot in your selected school or university. For college applications, you might want to have a 10-step course on college application essay writing to find out more. If you've already graduated from college or university and are looking for a great job, you will need to get a persuasive resume to impress your future employer.