Online Banking Essays - Financial Services, Economy, Finance

Online Banking Banking Online Imagine banks without tellers, desks, brochures, or ATM's. Picture, a virtual bank, residing inside of a computer, projected by images on a computer screen. US financial institutions are moving towards virtual banking?; a strategy making bank services available to customers any time and place they need them. Banks are offering more services as virtual banking becomes more popular, while the number of traditional teller-staffed branches are declining. Bank customers are moving away from traditional banking and becoming dependent on electronic transactions using ATMs and PCs. Thanks to this technology, financial institutions are using software programs, online services, and even the internet to allow customers to check balances, pay bills, and transfer funds among accounts. Bankers promise that, in the near future, we will be able to buy certificates of deposit, mutual funds, other investments, and even apply for loans electronically. Many people's best option is to plug into their bank through software. Intuits Quicken, Microsoft Money, and Managing Your Money are the top home budgeting programs allowing users a way to harness their assets through their PC. In order to use this software properly all a customer needs is a personal computer, software and a modem. On-screen instructions, laden with colorful graphics and pictures, explain how to select and work on various tasks. The system automatically calculates and updates account balances and keeps records of bills. By charging $5 to $20 a month for these services, banks will cash in on the high-tech superhighway. Internet banking differs from traditional PC banking in several ways. Banks have already set up home pages on the Internet to provide information to their existing and potential customers about upcoming services. In most home banking ventures, the bank sends application software to the customer. The customer then dials into the bank using their modem, downloads and uploads data, and runs the programs they previously installed on their computer, sending back a batch of requests such as transfers between accounts. With Internet banking, on the other hand, potential customers already own the software they need to do their banking: an internet browser. The actual banking software resides on the bank's server in the form of their home page. The company can easily present new information, change prices, or introduce new products without expensive advertising and mailings. In addition, the virtual bank can implement system enhancements online so that they do not interfere with normal business. By not commuting to banks customers save time and money. If cash is not an issue at the time of a transaction, then Internet banking is very useful. This new concept may catch on and become a profitable venture for banks. Early entrants in the Internet banking market will benefit on multiple fronts. These banks will appeal to a vast market and attract educated, professional, affluent and efficient people. The new customers will cut bank costs by visiting branches less frequently and switching from paper to electronic transactions. More importantly, by developing internal expertise today, banks can position themselves to react quickly to competitive moves and consumer trends as the financial services industry evolves. These banks will see the benefits as early players and enjoy the public relations boost that comes from being market leaders. Once people accept this more efficient way of banking, there will be less need for offices. This method is not at all a way to end banks, more like a convenient addition for customers. This technology is in the future, but at the same time just around the corner. Online banking will become a great way for people to control their money. Business Reports

Advertisement Essay Example

Advertisement Essay Example Advertisement Essay Advertisement Essay However, my favorite magazine of all time, and the only magazine that I regularly read is Mens Health magazine. In the united States, Mens Health magazine is known as the worlds largest mens magazine brand. It covers a lot of topics such as mens lifestyle, fitness, nutrition, fashion and even sexuality. As usual, I went to C.V. last Sunday and bought my magazine. As I read along, I found an advertisement about mens socks from Gold Toe. This advertisement caught my eye not only because of its beautiful design but also its meaningful text. I also want to bring up the target audience to whom the company wants to sell and how the advertiser uses both the mirror and window effects to persuade people to buy their products. First, lets talk about the Gold Toes fantastic design. When I first looked at the Gold Toe advertisement, my eyes were caught by Its colorful design. When I look at the picture In the bottom of the advertisement, my thought was who would wear those mind of socks which are so bright and colorful? . However, when I looked up, I saw a picture of two legs of a man wearing classic Jeans with a pair of black leather shoes. In the picture, this man is wearing socks from Gold Toe which are shown between the gap of the Jean and the leather shoes. Despite the fact that the socks are colorful and too bright, they are the highlight of the bottom part of the mans outfit. There are five colors combined together whic h are blue, dark blue, green, cream and black. These colors emphasize the fashion of the man, and they also help the man catch others attention easily. In addition, the strategies that the company uses to persuade people to buy their Lulu 2 products are also very interesting. There is a picture that takes almost half of the page only showing the legs of man and women. Based on their styles, I could guess they are around twenty five to thirty years old. I could only see the legs but whenever I look at the picture, I can imagine that they are doing some kind of flirting, having playful conversation or even making out. The woman is wearing a blue dress with high heels shoes. Her knees are touching the mans legs which are very close, and I an tell that the woman is totally attracted to this man. In the picture, the socks stand out the most because of the colors, so I think the reason that the woman is attracted to this man Is because of his own fashion which Is highlighted by his socks. That catches my attention the most is, Women Come. Women Go. But Great Socks Stick Around. In this quote, the advertiser lets people know the power of their products. Men and Women are always a perfect combination. However, in this particular advertisement, the socks seem to be more loyal than women because women come and then they may stay or leave, but socks always stay. The socks make men look different and can show their own styles with their socks. There is also a quote from a small paragraph below the banner that says: Looking for true love? Get a pair of Gold Toe socks. The advertiser wants to compare their socks with mens true love which is women. In this situation, the company wants to show men that the socks will do better than the women. They will help men show their styles everywhere they go. The socks are always there when the men need them,and not every women could do the same thing. In the same paragraph, the company also states that For more than 80 years, men eave been smitten with their exceptional durability. We knit each pair to last, with specially reinforced heels and toes. Flattened toe seam make them extra comfortable. In only three Lulu 3 sentences, the company shows how sophisticated they are to make such a good pair of socks. Men have been looking for the best quality of socks for a very long time. With Gold Toe, the socks are high quality. They are designed to fit the shape of entire foot. What makes the socks special is the revolutionary of design that can make mens toes feel comfortable all the time. It is evident that the message that the company rises to send to their customers is simple but it contains a lot of deeper meanings when they compare their socks with women and true love. They also show their remarkable design that makes the socks totally comfortable on mens feet and help them stay fashionable. I think the target audience the advertisement aims for is men of ages from twenty to fifty years old. In my opinion, these kind of socks are totally appropriate for all men. For example, for men that are still young of ages between twenty to twenty five years old, they could wear their Jeans and sneakers with Gold Toe socks. With those lord, they will help those men look very energetic because of the dynamic colors of the socks. For men with ages of thirty to fifty years old, Gold Toe socks will still look good on them because these men tend to wear suits a lot and their styles are totally different than the young men. However, leather shoes always go with the suit, and Gold Toe socks are perfect for this type of shoes, based on the picture. Therefore, we can see that Gold Toe socks can be used in every age and style. Lastly, the advertisers also create the mirror effects when they make me think about myself in those socks as soon as I look at the picture. The mens outfit in the picture is so cool that I Just want to try those socks on right away with the exact Jeans and leather shoes. This is not my style, but I would still buy a pair of Gold Toe socks very soon. The company also creates the window effect as well. I can imagine that when I wear those socks, they will help me have my own style wherever I go. They will help me shine, and the most importantly is Lulu 4 In conclusion, I want to state that Gold Toe company is very good on how they advertise the socks and successfully persuade people to buy their products. They try to catch peoples attention with the design and color. Then, they convey a message to people using a lot of strong quotes with interesting comparisons. They also have a remarkable design which helps mens toes feel more comfortable. The do not stop there, they also create their products to be appropriate at every age which I think is a smart step. Finally, they did a perfect Job on creating mirror and window effects for the advertisement. Last but not least, I already bought a pair for my own!

Characters and Themes in Richard Wrights Black Boy

The black novel and the theme novel Black Boy is the autobiographical record of his life Richard Wright, starting with his earliest memory, leaving the north at the age of 19. Among the black boys, Light talked about unsteady family life and returned from Natchez, Michigan, to Memphis, Tennessee, to Jackson, Michigan, and then back to Arkansas. Mississippi, and finally back to Memphis, he prepared for it. He eventually moved to Chicago after all. Light black boy racist The theme of autobiographical black boy in Richard Wright is racial discrimination. Light grew up in the south; south of Jim Crow at the beginning of the 20th century. Since very young, Richard Wright knew two games of black and white. But he never understood the relationship between the two games. In fact, he did not understand, but he has made a hard effort to bother him many times. In Memphis, Wright reluctantly took on the role of a social boys, a black boy. Richard Wright's black boys explored the theme of starvat ion, education, ethnic identity, and self-development in the south of the United States in the early 20th century. As the novel goes on, the reader follows the development of light from a somewhat sinister child to a successful self-taught person who uses education to combat oppression and prejudice he experienced when he was young. His growth and success often depends on his educational opportunities; he learns and fulfills the needs of his knowledge when he is allowed to continue his schooling education for years uninterrupted Because you can. . Unfortunately, the education system disappointed him, the light was forced to teach himself, and formed a unique world view around him. As Wright's adulthood is intertwined with his education and self-development, the black boy can be described as an educational growth novel.

Operation management Essay Example | Topics and Well Written Essays - 1500 words - 1

Operation management - Essay Example By the end of 2013, Apple has successfully launched seventh generation iPhones, namely iPhone 5C and iPhone 5S (â€Å"Q1 2014 Unaudited Summary Data†). iPhones have been extremely popular since its inception mainly owing to the unparalleled design and exclusive features as well as numerous software and applications to use. Since its launch, Apple has been able to create a niche set of loyal customers, which is continuously increasing in numbers. The net sales of Apple iPhones increased 9 percent from 156.5 dollars in 2012 to 170.9 billion dollars in 2013 (â€Å"Q1 2013 Unaudited Summary Data†). Overall units of iPhone sold were almost 150 millions in 2013 compared to 125 million in 2012 (â€Å"Q1 2013 Unaudited Summary Data†). Marketers and analysts have argued that increase in the sale of iPhone 5 is majorly due to its advanced software and greater facilities in terms of applications as well as attractive design. A survey including 4000 consumers from the US revealed that anticipation and rumours related to iPhone 6 has surpassed all other previously launched iPhones. Also, the number of consumers waiting to pre-order iPhone 6 is higher compared to that of iPhone 5 (â€Å"iPhone 5 Release Could Push Apple to 170 Million Units Sold Annually†). The release date of iPhone 6 is expected around September 2014, which is similar to other iPhone launches. Also, the new iPhone 6 will be available in two different sizes, along with a whole new design and advanced operating system. On the whole, Apple management is anticipating a huge revenue turnover following the launch of iPhone 6. In order to understand the sales forecast and trend for iPhone 6, the average global sales of iPhone after one month of its launch can be calculated. It is observed that a majority of the iPhone launches take place in August or September of a financial year. Furthermore, during these months, the festive season

Law Case Study Analysis Essay Example | Topics and Well Written Essays - 1250 words

Law Case Study Analysis - Essay Example The term "expression" can be defined as the different forms such as newspaper, email, letter, fax, and conduct; till the communication is based on the mode of communication for which the offeror is ready to contract. The term "intention" is defined objectively by different judges of the courts. In the case of Smith v. Hughes (1871) LR 6 QB 597 lays an emphasis on the fact that the important thing in any offer is not the real intentions of the parties involved but instead important thing is the reasonable view of the person regarding the situation. Revocation of offer An offer can be revoked by the offeror prior to the acceptance of the offer; but this must be communicated to the offeree. But it is not necessary that the offeror needs to communicate the revocation. In case the offer was made by the offeror to the whole world, the offeror need to revoke the offer in a similar form. This was evident in the legal precedent of Carlill v Carbolic Smoke Ball Co [1893] 1 QB 256 Court of Appe al. But, in case the offer has been turned into an option, then the offer cannot be revoked by the offeror. In case the offer is in the form of an unilateral offer, the contract can be revoked by the offeror any time. ... But even in this case, the acceptance must be communicated. The offer can be withdrawn, prior to the acceptance of the offer. v The offer can be solely accepted by the offeree only, i.e.the party which receives the offer offer was made. v In case the offer is accepted by someone else in the family or business on the behalf of the offeree without his/her authorization, then the offer cannot be considered as binding v Silence on an offer cannot be considered as an acceptance of the offer. This is evident in the legal precedent of Felthouse v. Bindley (1862) 142 ER 1037. Counter-offer and correspondence The "mirror image rule" within the law of offer and acceptance, the offer needs to be accepted by the offeror or offeree without any modifications. If there are any changes which are done in any way to the offer, then the counter-offer with changes kills the original offer and the latter cannot be accepted by any of the parties in future. This is evident in the legal precedent of Hyde v. Wrench (1840) 3 Beav 334. The Case Presented Tom chooses to put up for sale his car by parking it outside his residence with a note on the windscreen mentioning: "For auction, exceptionally excellent state, single owner complete service history, complete MOT, ?5,000 or nearby offer. Please get in touch number 37 or telephone 9911929 only." On Tuesday morning around 9.00am, Dick sees the car, but as he is behind schedule for work he is incapable to stop and call Tom at 10.00am and makes an propose of ?4,750 which Tom says he will think about. Harry was crossing through Tom's house on Tuesday morning around 11.00am, saw the car and called at the residence but Tom was not

Ap World Compare and Contrast Essay Example for Free

Ap World Compare and Contrast Essay During the years 1200 to 1500 CE, two ideal empires, Mali of Sub – Saharan Africa and the Aztecs of the Americas developed into truly influential and powerful empires. Both empires shared a similarity in economy but a different society. The Mali and Aztecs both traded, but while Mali traded with Islamic regions developing Islamic institutions within its borders, the Aztecs traded locally consequently not being influenced by outside cultures. Both Empires differed in society in which women in Mali tended to have more rights than women in an Aztec society whom they had little to no role in their society. Also social structure of both societies varied in which Mali had extended families and clans serve as the main foundation of their social structure while Aztec society was mainly a hierarchy with military elite as their main source of authority. The Mali Empire and the Aztec Empire rose in different locations thus they had different ways of approaching different aspects of their culture but both empires still shared some key aspects also. The Mali Empire and the Aztec Empire both benefited and flourished from trade. The Mali Empire came very much in contact with Islamic based regions when they traded items such as gold, ivory, and slaves. Trade for Mali had cultural implications because it facilitated the introduction of Islam to the region. Aztecs traded with nearby people of their society and traded textiles, rabbit – fur blankets, embroidered clothes, jewelry, and obsidian knifes. Aztec society did not experience an introduction of new cultural ideas because they traded only locally. Trading for both society stimulated agricultural growth and for the Mali empire also stimulated introduction to Islam. Women roles in Mali and Aztec society were very much different. Women in the Mali Empire generally had more opportunities open to them than did their counterparts in other lands did. Women influenced public affairs and even participated actively in both local and long distance trade. While the women of the Mali Empire enjoyed more rights, the women of Aztec society experienced little to no rights. Women of Aztec society played almost no role in the political affairs of a society. Women were not able to inherit property or hold high officials as the women of the Mali were able to do. Extended families and clans served as the main foundation of social and economic organization in Mali society. The male heads of the families governed the village and organized the work of their own groups. The aspect of family was well intertwined with authority. Thus most villagers functioned in society firsts as members of a family or a clan. Although families were the main foundation of the social classes in Mali society, in Aztec it was much different. Aztec society was rigidly hierarchical, with public honors and rewards going to the military elite. The military elite were the main authority of social organization in the Aztec society. As a result families were the main aspect of social structure in Mali society while military elites were the main social aspect in Aztec society. Therefore, both Mali and Aztec Empires benefited from trade but they received different responses from it. Mali was introduced to Islam from trade because of trading to other societies. Aztecs did not experience any change in culture because they traded locally. Women roles were different in both societies, women of Mali enjoyed more rights in comparison to the women of Aztec society whom received little to no rights. The social structure of Mali was generally a more family based authority while Aztec society was of a military elite social structure. Although both empires were from different parts of the world they both were successful in becoming significant and influential empires.

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â€Å"Lets go smoke some weed man† now when that question gets asked to you, you might have to say no. Why is that? You think of the consequences that could come to you if you do it and get caught. As of now pot is illegal and most parents don’t accept there kid smoking weed. So in this paper I will tell you why pot should be legal. I will also give some things that have been said negative and I will disprove them. I will also discuss about hemp, what marijuana is and where it comes from. Also as you are reading this I will use two other names for marijuana these are pot and weed. If you smoke pot you will get high. Pot can do other things for you other then just get you high, you can benefit from marijuana . Pot comes from an all natural plant. Using marijuana and the growing of hemp (ingredient in marijuana making) are illegal in the US. Pot can be used for just the enjoyment of being high and feeling very relaxed. It also can be used as medicine which is legal and other things which I will discuss later. As for hemp it can be used for things like necklaces which you all have seen most likely. Hemp is sold all over the world. It is sold so often because of the things you can make with it. So why is weed illegal in the US. People just use it to feel more relaxed and in a calmer state of mind. Tobacco and alcohol are both used for the same reasons, but with many more negative side effects than pot. Tobacco and alcohol can create cancer and other things to harm you body. In many people alcohol brings out the worst of them. This usually happens when someone becomes an alcoholic. Many people become violent when they hit this point. In Maxim it said that more then seventy million Americans have smoked marijuana at some point in their lives. If you think about that statistic it isn’t hard to believe. At least for me because most people I know have at least tried it and that also includes older people like adults. Pot really has no true affects that will really harm you. I have never heard of any deaths caused by pot. Have you ever heard on the news that man died from an overdose of marijuana? I know I haven’t. Now think of how many deaths come from tobacco and alcohol about a half million. That is only deaths that doesn’t say how many people have lip cancer and things that aren’t going to kill them. People say marijuana is addicting, but marijuana is not an addict... ...ed to you as much. I know if I am at a party or just out I usually have people come up to me and ask if I want to by any weed. I do think it might make more people try it because they won’t worry about getting in trouble. I also think though that there isn’t a big thing if someone try’s it at least there trying it on there own free will and not being pressured. I also think that right now people use a drug like pot to rebel against there parents. Now I don’t think that it would be rebellion if it were legal. If that were so people would rebel against there parents by chewing come or eating a hamburger. So in conclusion why do we have this drug still being illegal. Pot has many positive effects which I discussed during this paper. Think of the things that would be better if pot was just legal and sold over the counter. Think how much cigarettes get sold I think pot would be sold twice as much and for more money. We should help are selves and let the kids get high and have are cops stop harassing these people, and find something that is hurting someone. People aren’t getting hurt from smoking some natural green weed. So everyone fight for your right to get high and have a good time.