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Arthur Miller was born in 115 on October 17th in New York City.
The play “Death of a Salesman” was first called “The Inside of his Head” and Miller established the success of the play in 14 when it first came out. From 156 onwards he was a major dramatist, so Death of a Salesman really brought him his fame for life.
“Death of a Salesman” was and still is a very popular play and has been an enormous success for Arthur Miller because it’s popularity has never gone down hill.
Most of Arthur miller’s ideas for the play we believe came from his own childhood. For instance, in 1(the Great Depression) he remembers being visited by many of his boastful salesman uncles. In the play Willy Loman is a salesman and we find that his brother Ben (uncle to Biff and Happy) is very boastful of his success in becoming a rich man for the rest of his life.
Another example of when Miller may have used his childhood as a link to the play is that he spent most of his younger life doing various jobs to pay for his college fees when really he wasn’t all that bright and was far more of an athlete (like Biff because he tried to get on with college but it didn’t work for him as he is much more athletic and sporty).
The play is very sad and Miller we know had a very sad life because he was brought up around post World War II atmosphere and the Great Depression so the play sort of reflects his life and his feelings at the time.
“Death of a Salesman” is a tragedy because Willy Loman is the cause of his own death and the tragedy of the play is built up and up to make it more of a definite sad death and finish to the play. The Requiem really rounds this whole idea of death and tragedy off.
The American Dream I feel also has some kind of Millers feelings on his own life in it because Miller’s success only really came when he changed what he was doing to what he realised he was good at. I think that Willy Loman is also a reflection of what Miller feels he could have turned out like himself if he had carried on the way he was before he began to write plays. Also, Miller didn’t get much support from his father (e.g. to pay college fees) and nor did Willy because in fact he doesn’t remember his dad. Miller is trying to it across that for Willy it was actually quite like having no father at all and the same for himself.
Arthur Miller has shown very clearly that his play is a tragedy because Willy Loman has spent his whole life trying to live up to his older brother and gets nowhere at all in the end. Ben tells Willy again and again that he needs to do something to get somewhere. But Willy continues to waste time trying to become a highly respected and fairly wealthy salesman, even though it is quite clear that he is getting nowhere. Willy refuses to see this though. He knows that it’s true because whenever anyone tries to talk to him about it he gets angry and upset. He won’t accept it though. He believes that if he just carries on doing what he is doing then maybe there still will be some hope that he will do well. Then he can prove to everyone that if you keep at something sometimes and work hard to get what you want, you finally get it even if it’s not straight away.
The other characters in the play begin to see he’s loosing it and is never going to succeed along time before Willy does. Charley tries to talk to Willy about it but Willy thinks too highly of himself to listen. Charley offers him a job and says, “I don’t see any sense in it. You don’t have to go this way.”
But Willy just answers back, “I got a good job.”
Willy doesn’t see past what he does and what he has always done. He doesn’t even try to see himself doing anything else
Linda also tries to talk to Willy about it. She doesn’t want him to necessarily get another job she just thinks that he should be closer to home so that he doesn’t have to keep doing as much. Linda doesn’t say this because she’s worried about Willy but doesn’t want him to know this. She also misses him a lot and that’s why she would like him nearer to her. In the conversation between Willy and Linda she says, “Well you’ll just have to take a rest, Willy, you can’t continue this way.”
She says, “…Talk to them again. There’s no reason why you can’t work in New York.”
Willy says, “They don’t need me in New York. I am the New England man. I’m vital in New England.”
Linda replies, “But you’re sixty years old. They can’t expect you to keep travelling every week.” Willy just dismisses this comment from Linda. Linda tries again, “Why don’t you just go down to the place tomorrow and tell Howard you’ve simply got to work in New York?…”
Willy just gives excuses why he should keep at the job and that it’s only because of the old manager left so he can’t be moved up into a higher working atmosphere.
Because of all this Willy is feeling sadder and more depressed in the last two days of his life and this is what finally brings him to his death. It all gets to him and he just can’t take it anymore. This makes it clearly a very tragic death and is made even more so in the requiem when only four people turn up.
I think that the structure of Arthur Millers’ play is very clear because, he has structured the acts well.
In act one all of the action is in the Loman house in Brooklyn. We learn all about the ‘Loman Family’ in this scene and close friends (Charley).
We can see in this scene how the characters act around different people and what their habits are. Like when Willy and Linda talk about ‘the cheese’ Linda says, “Willy, dear, I got a new kind of American-type cheese today. It’s whipped.”
Willy replies, “Why did you get American when I like Swiss?”
Linda tries again, “I just thought you’d like a change � “
But Willy continues to argue, “I don’t want a change! I want Swiss cheese…”
This shows that Willy doesn’t like things to be different. He prefers things just the way they are. He can’t handle change, it confuses him too much. I think that this is why when Charley offers him a job it’s not just because he’s too proud to take it, it’s also because he wouldn’t be able to handle the different atmosphere it would all be far too much for him to take on.
We see in act 1 also that Willy has flashbacks and we see the contrast between the past and present. We see why Willy is so nervous and gets angry with himself around Linda for being like this. It is because of the affair with the woman. Little things set off his feelings like this e.g. Linda is darning the stockings and it reminds him of when he bought some for ‘the woman’ and he feels guilty seeing Linda do this when he knows he should have bought her them, not ‘the woman’.
We can also see in this act very clearly how Willy prefers Biff to Happy, yet we are unsure why.
In Act two the Loman family a bit further on from the flashbacks.
Howard is successful and Willy is not. Ben begins to appear more, but only to Willy and not as a flashback. Willy confides in Ben a lot in this Act.
In this Act we can finally see why characters acted as they did in Act one around different people e.g. we find out that Biff knows about Willys affair and that is why Willy favours him more than Happy because he don’t want Biff telling Linda. We see that the Loman family lie to each other all the time (dramatic irony) and that is why there is so much tension between them all. Part of the reason why Willy kills himself is because he knows he is just living a lie and ‘the truth hurts’.
In the requiem we can see who really did know Willy Loman the best, because Linda (who thought she knew him best) actually sees herself, that she obviously didn’t because, she has no idea why he did it.
We can also see, what they are going to do now, what paths they are going to take e.g. Happy wants to live up to Willy, but Biff is going to stop doing this.
Arthur Miller has made the play very clear on where the past and present are. This was obviously his main idea because if it weren’t clear, then when the play was acted out, it would not be easy to understand, the contrast of past and present.
An example of ‘melting together of past and present, is where Willy has a flashback of ‘the woman’ in the past, when they are in the car. ‘The woman’ says, “…and thanks for the stockings. I love a lot of stockings…”
Then Willy comes out of the flashback and sees Linda darning stockings in the present. He immediately feels guilty because here is his dear, kind, loving wife Linda mending her old stockings and Willy knows that its her he should have been buying stockings for, not ‘the woman’.
This shows how selfish and uncaring he has been towards Linda and how bad he feels about it now, in the present when he realises it. Also ‘the woman’ says, “…I love a lot of stockings …”
Suggesting she has a lot of stockings, when we can see that Linda has only one pair that she needs to keep, because of this.
Another example is where Willy has a flashback, when he has been with ‘the woman’ again and Biff catches them. Before Biff sees ‘the woman’, he tells Willy, that he has come to him for help, because he knows he is going to flunk Maths. He comes to Willy because he trusts him and believes that his father will help him. Now Biff sees that his father is not trustworthy and that is why they don’t get along in the present.
I like the way that Arthur Miller has ‘melted together’ the past and present using lighting and sounds. You can always tell when a flashback is coming on in Act one, because the flute would start playing (a clear memory that Willy has of his father, perhaps the only memory).
In Act one when a new person is speaking (usually in the house) the lights would dim on the people who were first speaking and light up on the new speaker.
When we are experiencing a flashback of Willy’s leaves appear and buildings disappear to create a clear image of what it was like in the past.
When we watched the play the ‘melting together’ of past and present was made clear by Willy looking in a mirror and turning around to find himself back in the past (a flashback). We found this very clear and easier to understand than in the play written in the book.
Almost every prop in Arthur Millers’ play you could say represents something.
I think that Miller is very cleaver to do this and it’s only when you look more specifically at the play that you begin to notice them more. They are quite hidden and I think that Miller did this purposefully so that we would learn something from it. The props that Miller has used as symbols are pen, table, watch (fob), roads, cars, boats, trains, trees/ plants, leaves, weather, seasons, buildings, countries, tools and success. I think that most of these are really about time, because Willy has spent most of his own lifetime trying to become rich and he hasn’t dome anything else apart from being a salesman to do this and so he has wasted time.
The buildings have changed in time. The trees have gone in time. Ben always says to Willy, “Time Willy time”. Ben took the time he had to become wealthy.
I notice that even though it is nearly all males in the play anyway it is only the men who use the props really.
Biff uses the props above all the characters the most. His two most significant props are the football and the pen, as both did not bring him success, but are about success and achieving your highest goal.
The most important part of the stage design is that when Willy is having his imaginings he always comes to the front of the stage (the apron).
Another property of the design of the stage is that in Act 1 the boys look down on Willy as if he is Low, because he is feeling low or maybe because he is of a low standard in his job. Also the name Loman could also mean something about the lowness of Willy Loman in personal and in financial ways Willy Loman is a low man.
The way that the Loman house is situated and designed also gives us clue of the kind of life they lead even when we first look at it. The tall buildings surrounding the house loom over it also making it seemed cramped and of a lower standard than the flats that are owned by higher and more wealthy people and that’s why they are so tall and lean over Willy making him seem smaller and more unsuccessful. The fact that the Loman house is so cramped makes it seem that all Willy’s problems are making him feel more cramped and crushing him to his death.
In Franks Chop House the boys (Biff and Happy) keep bringing on more alcohol even though Willy is already in a bad state of mind because he is confusing the past with the present. The fact that this scene is set in Franks Chop House makes it seem more real because the boys don’t realise that what they’re actually doing to Willy is bad and he’s practically dead already because they’re not paying any attention to Willy all they’re interested in is ‘the girls’. The scene may also have been set here because this is a good place for Biff and Happy to meet the girls and be distracted by them so that they forget about Willy.
From the title “Death of a Salesman” I can see that Miller was trying to say something. The word “Death” is put first as if to say that the best thing for Willy was for him to be dead because he was getting nowhere. The word “Salesman” is put last to give the impression that the last thing Willy should have been was a salesman.
The audience are captured by the magnitude of “Death of a Salesman” and the tragedy of the piece because most of the incidents that happen in the play actually are everyday things that happen to us as well so the audience find it easy to put themselves in the characters shoes and therefore it is easier to understand and experience the play.
The way that the stage is designed also makes it seem more like you are actually experiencing Arthur Miller’s tragedy yourself because the concept of the whole play is clearer if we can see living conditions and the type of area the Loman family live in.
The Requiem I feel is the most important part of the whole play because it rounds the tragedy off in a kind of way. In the requiem we can all evaluate the meaning of Willy’s life for ourselves.
I think that Arthur Miller’s moral of the play is “Live your life to the full but take a good look at what you are doing to make sure it’s the right thing for you otherwise you will see your whole life go to waste.”
Mind that the sample papers like Explore how Miller utilises dramatic structures and devices to help the audience fully appreciate the magnitude of Willy Loman’s tragedy in Death of a Salesman. presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
Monday 22 October 2012
christmas
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C hristmas is coming soon
H ave your christmas lights up shining like the moon
R ed,green and blue blinking everywhere
I can see them shining look theyre over their
S tockings hung over the fire
T ommorrow i get my hearts desire
M um, i shoutits christmas day
A wonderful surprrise now lets play
S anta Claus, i hope to see you flying, flying through the air.
The town crier is shouting its christmas day to wake our parents from there beds and open up them now. why they take so long to dress no one can know expect them.everyone is waiting now for them to come down but still we wait until finally they arrive all dressed up but no where to go. oh well at least they came at last. the tention is rising and building and finally we open the presents gleaming with joy at what we got no one could be more happy a controlled car and a dance mat.WOW of course this is the greatest day of my life. thank you to everyone for such a wonderful day i hope its like this next year and next and forever and a day.night time again i think i might just sneak a peek at whats to come as mother hasjust written what shes going to give to us.but instead i play with all my new toys because of them my stockings were bulging with beautiful presents to glore but funnily enough i present i wish for never came true and now i am sad abit but wait what about this a present forgotten i ripped it open and inside stood a beautiful doll with jet black hair and dark skin i loved it and i slept with it and when i woke there it was smiling happily at me beautifully i showed my mum she said she she hadnt remembered buying it i think santa claus brought it for me to indulge in.
Mind that the sample papers like christmas presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
C hristmas is coming soon
H ave your christmas lights up shining like the moon
R ed,green and blue blinking everywhere
I can see them shining look theyre over their
S tockings hung over the fire
T ommorrow i get my hearts desire
M um, i shoutits christmas day
A wonderful surprrise now lets play
S anta Claus, i hope to see you flying, flying through the air.
The town crier is shouting its christmas day to wake our parents from there beds and open up them now. why they take so long to dress no one can know expect them.everyone is waiting now for them to come down but still we wait until finally they arrive all dressed up but no where to go. oh well at least they came at last. the tention is rising and building and finally we open the presents gleaming with joy at what we got no one could be more happy a controlled car and a dance mat.WOW of course this is the greatest day of my life. thank you to everyone for such a wonderful day i hope its like this next year and next and forever and a day.night time again i think i might just sneak a peek at whats to come as mother hasjust written what shes going to give to us.but instead i play with all my new toys because of them my stockings were bulging with beautiful presents to glore but funnily enough i present i wish for never came true and now i am sad abit but wait what about this a present forgotten i ripped it open and inside stood a beautiful doll with jet black hair and dark skin i loved it and i slept with it and when i woke there it was smiling happily at me beautifully i showed my mum she said she she hadnt remembered buying it i think santa claus brought it for me to indulge in.
Mind that the sample papers like christmas presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
Babbitt Review
We are ready to represent the best custom paper writing assistance that can cope with any task like Babbitt Review even at the eleventh hour. The matter is that we posses the greatest base of expert writers. Our staff of freelance writers includes approximately 300 experienced writers are at your disposal all year round. They are striving to provide the best ever services to the most desperate students that have already lost the hope for academic success. We offer the range of the most widely required, however, not recommended for college use papers. It is advisable to use our examples like Babbitt Review in learning at public-education level. Get prepared and be smart with our best essay samples cheap and fast! Get in touch and we will write excellent custom coursework or essay especially for you.
1. George Babbitt is a follower not a leader; he is the type of man who doesn’t think for himself. George Babbitt puts on a face/ a personality around people with “high social statuses,” to fit in where he feels he needs to. George Babbitt feels that being an upstanding responsible member of the community is more important then family. Also he feels that work is more important then family. I feel that George Babbitt is also hippo critical by that I mean he contradicts himself and what he says. In a sense yes I do feel that George Babbitt roams the DSU campus.
. Its George Babbitts way to show that he a high status in society.
. Paul Riesling was George Babbitt’s roommate and classmate when George was attending the State University. The significance of Paul Riesling to the story of Babbitt is that Paul knew George Babbitts real personality; meaning George didn’t lie to Paul also when George Babbitt and Paul Riesling where together Babbitt didn’t put on that face /personality that he did around people. This character is important to understand Babbitt’s mid-life crisis because when Paul was sent to jail, Babbitt no longer had a person who truly knew him; he no longer had a true friend.
4. The advice that Babbitt gave to his son Ted applies to my university education in that you should do what makes you happy. Specifically I should go to college for a career that I feel will make me happy, not a career that someone feels that I should go into.
5. In a university context the most valuable lessons that can be learned from the story of Babbitt are, go to school for what makes you happy not what someone else feels will make you happy. Also be involved whether that is involved in community, school or both. Also the impression that other people have of you isn’t as important as your true personality.
Mind that the sample papers like Babbitt Review presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
1. George Babbitt is a follower not a leader; he is the type of man who doesn’t think for himself. George Babbitt puts on a face/ a personality around people with “high social statuses,” to fit in where he feels he needs to. George Babbitt feels that being an upstanding responsible member of the community is more important then family. Also he feels that work is more important then family. I feel that George Babbitt is also hippo critical by that I mean he contradicts himself and what he says. In a sense yes I do feel that George Babbitt roams the DSU campus.
. Its George Babbitts way to show that he a high status in society.
. Paul Riesling was George Babbitt’s roommate and classmate when George was attending the State University. The significance of Paul Riesling to the story of Babbitt is that Paul knew George Babbitts real personality; meaning George didn’t lie to Paul also when George Babbitt and Paul Riesling where together Babbitt didn’t put on that face /personality that he did around people. This character is important to understand Babbitt’s mid-life crisis because when Paul was sent to jail, Babbitt no longer had a person who truly knew him; he no longer had a true friend.
4. The advice that Babbitt gave to his son Ted applies to my university education in that you should do what makes you happy. Specifically I should go to college for a career that I feel will make me happy, not a career that someone feels that I should go into.
5. In a university context the most valuable lessons that can be learned from the story of Babbitt are, go to school for what makes you happy not what someone else feels will make you happy. Also be involved whether that is involved in community, school or both. Also the impression that other people have of you isn’t as important as your true personality.
Mind that the sample papers like Babbitt Review presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
AIDS
We are ready to represent the best custom paper writing assistance that can cope with any task like AIDS even at the eleventh hour. The matter is that we posses the greatest base of expert writers. Our staff of freelance writers includes approximately 300 experienced writers are at your disposal all year round. They are striving to provide the best ever services to the most desperate students that have already lost the hope for academic success. We offer the range of the most widely required, however, not recommended for college use papers. It is advisable to use our examples like AIDS in learning at public-education level. Get prepared and be smart with our best essay samples cheap and fast! Get in touch and we will write excellent custom coursework or essay especially for you.
The talk on AIDS was very informative but the part that got my most attention is when I first found out that the speaker had AIDS. At first I almost wanted not to be in the same room, until I found out that you can live with a normal life even if a person is infected with HIV. Even thou I had already heard most of the facts on aids before, every time you hear them it still scares you. I now want to learn more about AIDS and how to better protect myself against aids and other harmful diseases.
The fact that they have so many people infected and that have already died from it makes me want to learn more about it. I think that having a person with the disease coming talk to us in person was the best way to get my attention because I sure would not have been as interested if it was just another person relaying facts that I have heard thousands times already. But because it was a person that has personal experiences with it and is going to die from it some day makes me want to learn as much as possible how not to end up like him.
I think that I have a lot of respect for the speaker because of the fact that he could stand up in front of strangers and talk about something that is looked down upon in the community. Also when I went home I sat down and watched the MTV special on National Aids Day. I am now much more aware of the effects of the disease and am going to always use protection. I am now also going to get tested just to insure myself that I am clean from everything not just aids.
Mind that the sample papers like AIDS presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
The talk on AIDS was very informative but the part that got my most attention is when I first found out that the speaker had AIDS. At first I almost wanted not to be in the same room, until I found out that you can live with a normal life even if a person is infected with HIV. Even thou I had already heard most of the facts on aids before, every time you hear them it still scares you. I now want to learn more about AIDS and how to better protect myself against aids and other harmful diseases.
The fact that they have so many people infected and that have already died from it makes me want to learn more about it. I think that having a person with the disease coming talk to us in person was the best way to get my attention because I sure would not have been as interested if it was just another person relaying facts that I have heard thousands times already. But because it was a person that has personal experiences with it and is going to die from it some day makes me want to learn as much as possible how not to end up like him.
I think that I have a lot of respect for the speaker because of the fact that he could stand up in front of strangers and talk about something that is looked down upon in the community. Also when I went home I sat down and watched the MTV special on National Aids Day. I am now much more aware of the effects of the disease and am going to always use protection. I am now also going to get tested just to insure myself that I am clean from everything not just aids.
Mind that the sample papers like AIDS presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
A comparison of Wynnere and Wastoure
We are ready to represent the best custom paper writing assistance that can cope with any task like A comparison of Wynnere and Wastoure even at the eleventh hour. The matter is that we posses the greatest base of expert writers. Our staff of freelance writers includes approximately 300 experienced writers are at your disposal all year round. They are striving to provide the best ever services to the most desperate students that have already lost the hope for academic success. We offer the range of the most widely required, however, not recommended for college use papers. It is advisable to use our examples like A comparison of Wynnere and Wastoure in learning at public-education level. Get prepared and be smart with our best essay samples cheap and fast! Get in touch and we will write excellent custom coursework or essay especially for you.
Page 1
Every where in life there are opposite forces which cannot exist with out one another. These things, whether opposing actions or opposing thoughts, often in the end cannot exist without one another. For if in the end one prevailed, there would be an unbalance. You cannot have ying without yang or life without death. In Wynnere and Wastoure there is a harmony between the two characters. While this harmony may be unclear to both of the characters, it becomes evident after each volley of arguments that there is no winner in this battle. Wynnere cannot exist without Wastoure.
Wynnere and Wastoure is a book steeped in the social problems of the time. The poem is dated from 15 to 15. The book was written around the end of the black plague and around the same time as the hundred years war. With the death of many Europeans due to the black plague there was shortage of workers and a rise in wages which lead to a decrease in the wealth of the upper class. The rain of Edward the III put England into large amount of debt. He created a large debt for England by constantly borrowing to fund the hundred years war. This constant flow of cash in a circle of borrowing, spending and repaying can be seen much like the relationship between Wynnere and Wastoure. ( Lois Roney pg1076) As a result of the economic troubles of England a need to educate the public in fiscal policy must have been prevalent in England.
In the initial scene a stage is set. A battle between two armies, one of Wynnere and one of Wastoure. The two armies are easily separated by their social status. The army of Winner’s is made up of merchants, lawyers, friars and the pope. The Winners are clearly the emerging wealthy middle class. Both the lawyers and merchants in that period of time
Page
were becoming wealthier and wealthier. The friars and Pope ( the church in general) was also extremely wealthy and had become so only in a short amount of time compared to the age of the nobility in England. The army of Waster can be seen as the nobles. Here we can see that this battle sets the stage for the rest of the book. A battle between Wynnere, the emerging wealthy class, and Wastoure, the old noble class of wealth which is becoming gradually less powerful. ( Gardiner Stillwell pg4)
As the two are called before the King they offer arguments for their side before the battle. With each argument Wynnere and Wastoure counter each others points with valid arguments which make the reader value both sides. ( Nicolas Jacobs 488) Winner’s first attack on Wastoure attacks Wastoure for what he is more then his policies. He admires his own frugality and attacks Waster’s pride. The attack on Waster’s pride can be seen as more of an attack on the pride and ideology of the noble class which was evident in the time period when the book was written between the merchant and noble classes. His argument offers valid points. Waster comes back with reasonable counterpoint. He counters that winner’s winning are of no good to the community if they are not spent. HE tries to make the point that the poor and unfortunate will suffer unless there is a circulation of goods and wealth in the community. He tries to prove that winner’s piling of goods in his house will only collapse the house on himself and his soul ( W & W 5-6). In this initial argument winner is first viewed as a commoner possibly trying to assert himself in the noble world and be levelheaded with his financial situation. The first impression of Waster was of a
Page
noble man who lacks thriftiness and throws away his money. However after their first conversation the reader is left with the impression that Winner is actually more selfish then
Waster and Waster is for the poor. It seems that Waster splits the middle ground more then Winner. He tries to spread the wealth around, while Winner is seen as hoarding the wealth. Winner’s counter to Waster’s argument does not try to exploit if Waster really spends to spread the wealth, but attacks Waster more personally by attacking him morally. He attacks the way in which Waster accumulates debt. He accuses Water of lusting over things like property and defaulting on his loans and legal agreements. Winner on the other hand fails to recognize that because of this he is able to take advantage of these cheap properties and collect more wealth. This is a prime example of how Winner needs Waster. Winner counters Wasters argument that his spending spreads the wealth by trying to point out that Waster’s wastefulness is source of the shortage which causes the poor to be poor.
Waster then tries to validate his extravagance by countering with his generosity. He tries to exonerate his extravagance by giving the excess to the poor and providing work for the poor from the creation of extravagant feasts and clothes. Winner counters by saying that no matter what excess is given to the poor if the food and clothes were not extravagant, there would be much more to go around. Winner provides a valid point by stateing this, but as Winner says this he backs himself into a corner. If money is saved it does nothing but enrich the friars and other merchants. It does not serve the poor any better then extravagant spending. Here again the reader sees a striking similarity between the two extremes, and it becomes even more evident that neither extreme is correct. The only correct solution can
Page 4
be achieved through meeting in the middle of these two extremes. Neither Winner nor Waster is always correct.
Up to this point both Winner and Waster have proved that neither of the two sides are absolutely correct. Their attacks against each other have raised moral problems with each other’s sides. If one were to follow Winner’s view, the act of hoarding and saving everything could be seen as a lack of appreciation for Gods gifts to men. Waster points this out by saying that if Winner never uses the gifts created by God then he never will appreciate them and will ignore the goodness of God (Nicolas Jacobs 41). Waster’s practice of extravagance is no better. The extravagance can be seen as a waste of Gods gifts to men, when his gifts could be used much more wisely. Winner’s long hearted description of the banquet which Waster throws can be seen as an example of this waste. Winner seems to put all of his rebuttal into the description of the feast. So much so that the feast takes a large amount of lines. He seems to want to really drive home to the reader the extravagance of Waster. While neither is correct, the reading shows even more clearly that you cannot have a Waster without a winner. There needs to be a balance struck between the two ideals.
As the III Fitt begins Waster steps up the attack against Winner. He focuses more on the Winners focus on thrift. He attacks Winner’s defense of thrift as nothing more then a rejection of Gods goodness and his lack of concern for the poor. He gives the example that
Page 5
Thurgh the poure plente of corne that the peple sowes,
That God will graunte of his grace to growe on the erthe,
Ay to appaire the pris, and it passe nott to hye,
To hope aftir an harde yere to honge thiselven ( W& W 70-74)
Waster states that because the growing season was good the prices will remain low and the crops which he had been saving will be of less value. Winner will then hope for a bad growing season to drive the prices back up. Waster tries to focus the attack on the merchants in Winners army by attacking the way they handle their new found wealth. He tries to emphasize that wealth is the only thing they care about and they care little for the poor. He again is attacking the morality of Winner. As the poem progresses it seems that the poem is less about the financial problems with spending and saving, and more about the moral consequences between spending and saving. Nevertheless the solution still seems to be the same A Waster cannot exist without a Winner. If One exists without the other, not only will there be financial consequences, but moral ones also. Even Waster sees that there cannot be a Winner without a Waster.
Whose wele schal wyn, a wastour mposte he fynde,
For if it greves one gome, it gladdes another. (W&W 0-1)
While he did not have the intention of validating Winner’s point of view along with his own, it provides the reader with more reinforcement. To counter this Winner once again attacks wasters extravagant nature, with his extravagance in women’s clothes. Waster counters this attack by telling Winner that it is his money and he can do whatever he wants with it. Winner in saying this forgets that if it was not for Wasters extravagance in spending, there would be no money for Winner to obtain from sales and save.
Page 6
Through the past 400 some lines it seems that both Winner and Waster have fairly weak arguments. Nicolas Jacobs suggests that
The argument could go on indefinitely, for the two antagonists
seldom answer each other’s arguments and devote their speeches to recapitulating and expanding points they have already made,
frequently in a thoroughly inconsequential way. (Nicolas Jacobs 44)
In one of Waster’s final attacks accuses Winner of being Slothful and lazy. He accuses of Winner of waiting to make repairs to his house and cursing when the weather is to bad to make repairs to his house. Thus Waster says, Winner will be able to save money by not doing the repairs and have an excuse for not completing those repairs. He repeats the same argument he has in all of the other examples which he has given, Winner will not invest into anything and therefore can not help the poor. He only cares about hoarding his money.
With the arguments made the king is called in to decide once and for all who will win the debate between Winner and Waster. The King’s judgment suggests that he to believes that neither of these points of view are good in excess, but are only good when used in moderation together. It suggests that they are useful together in moderation, but cannot work usefully independently.
Throughout the attacks against each other, both Winner and Waster have both extremely personal and demoralizing shots against each other. The fact that the issue even had to be resolved by a third party makes both Winner and Waster seem childish. When you look at the picture of how the dispute was settled, it looks even more like two children who have been fighting, and their father, the king, had to settle the dispute once and for all.
Page 7
Just like most childish arguments neither child is right and both are at fault for the problem. Both Winner and Waster were incorrect in their attacks and were blinded by their view
points. As reader could begin to clearly see as they progressed through the book, you cannot have a Winner without a Waster or a Waster without a Winner.
Throughout the lines there constant references to God and the moral consequences of each others fiscal actions. Due to the time period which this was written in it can be hypothesized that the reason each point was turned into moral repercussions was because of the huge universal belief in the church and the large collective knowledge in the moral beliefs of the church. If an author wanted to spread knowledge of economic policy and teach his readers about the value of spending and saving the best way to do that would be to relate it to something that most readers of the period share in common. The most unifying thing in England was clearly the church. What better way to show that you cannot have a winner without a waster, then to relate it to morality. Winner’s fault is that he does not fully appreciate the gifts from God because he does not use them. Waster’s fault is that in his over extravagance, he wastes some of Gods precious gifts when they could be used more wisely. Both of their faults show that a person must appreciate the gifts from God and use them, but also must make sure that they do not misuse them. The reader can then draw from this, and see that a economic policy of saving has to be balanced with a policy of spending.
Page 8
The constant repeating of the same argument in different ways, and the bickering between both characters made them both seem childish and idiotic. This could have served the purpose of making those who were reading the book develop a lack of respect for
anybody who harbored one point of the view or the other and would cause people to understand that both in moderation are useful.
Through out the book as each character makes their arguments, it becomes quite clear that if either of the character’s views were employed completely, the economy would struggle. For the economy to function sufficiently there has to be a harmony created between Winner and Waster. Through the jousting back and forth between Winner and Waster the fiscal debate turns into on one morality and the abuse of God’s gifts to humans. As Winner and Waster attack each other on these grounds it becomes even more evident that neither Winner nor Waster could ever be totally correct. To achieve a good fiscal and moral economic policy, there would have to be a balance struck between the Winner and Waster.
Works Cited
- Jacobs, Nicolas. The Typology of Debate and the Interpretation of Wynnere and Wastoure. The Review of English Studies. Vol. 6 No. 144 (185) pp481-500
- Roney, Lois Winner and Waster’s Wyse Wordes Teaching Economics and Nationalism in Fourteenth- Century England Speculum Vol. 6 No. 4 (14) pp1070-1100
- Stillwell, Gardiner Wynnere and Wastoure and the Hundred Years’ War ELH Vol.8 No.4 (141) pp41-47
Mind that the sample papers like A comparison of Wynnere and Wastoure presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
Page 1
Every where in life there are opposite forces which cannot exist with out one another. These things, whether opposing actions or opposing thoughts, often in the end cannot exist without one another. For if in the end one prevailed, there would be an unbalance. You cannot have ying without yang or life without death. In Wynnere and Wastoure there is a harmony between the two characters. While this harmony may be unclear to both of the characters, it becomes evident after each volley of arguments that there is no winner in this battle. Wynnere cannot exist without Wastoure.
Wynnere and Wastoure is a book steeped in the social problems of the time. The poem is dated from 15 to 15. The book was written around the end of the black plague and around the same time as the hundred years war. With the death of many Europeans due to the black plague there was shortage of workers and a rise in wages which lead to a decrease in the wealth of the upper class. The rain of Edward the III put England into large amount of debt. He created a large debt for England by constantly borrowing to fund the hundred years war. This constant flow of cash in a circle of borrowing, spending and repaying can be seen much like the relationship between Wynnere and Wastoure. ( Lois Roney pg1076) As a result of the economic troubles of England a need to educate the public in fiscal policy must have been prevalent in England.
In the initial scene a stage is set. A battle between two armies, one of Wynnere and one of Wastoure. The two armies are easily separated by their social status. The army of Winner’s is made up of merchants, lawyers, friars and the pope. The Winners are clearly the emerging wealthy middle class. Both the lawyers and merchants in that period of time
Page
were becoming wealthier and wealthier. The friars and Pope ( the church in general) was also extremely wealthy and had become so only in a short amount of time compared to the age of the nobility in England. The army of Waster can be seen as the nobles. Here we can see that this battle sets the stage for the rest of the book. A battle between Wynnere, the emerging wealthy class, and Wastoure, the old noble class of wealth which is becoming gradually less powerful. ( Gardiner Stillwell pg4)
As the two are called before the King they offer arguments for their side before the battle. With each argument Wynnere and Wastoure counter each others points with valid arguments which make the reader value both sides. ( Nicolas Jacobs 488) Winner’s first attack on Wastoure attacks Wastoure for what he is more then his policies. He admires his own frugality and attacks Waster’s pride. The attack on Waster’s pride can be seen as more of an attack on the pride and ideology of the noble class which was evident in the time period when the book was written between the merchant and noble classes. His argument offers valid points. Waster comes back with reasonable counterpoint. He counters that winner’s winning are of no good to the community if they are not spent. HE tries to make the point that the poor and unfortunate will suffer unless there is a circulation of goods and wealth in the community. He tries to prove that winner’s piling of goods in his house will only collapse the house on himself and his soul ( W & W 5-6). In this initial argument winner is first viewed as a commoner possibly trying to assert himself in the noble world and be levelheaded with his financial situation. The first impression of Waster was of a
Page
noble man who lacks thriftiness and throws away his money. However after their first conversation the reader is left with the impression that Winner is actually more selfish then
Waster and Waster is for the poor. It seems that Waster splits the middle ground more then Winner. He tries to spread the wealth around, while Winner is seen as hoarding the wealth. Winner’s counter to Waster’s argument does not try to exploit if Waster really spends to spread the wealth, but attacks Waster more personally by attacking him morally. He attacks the way in which Waster accumulates debt. He accuses Water of lusting over things like property and defaulting on his loans and legal agreements. Winner on the other hand fails to recognize that because of this he is able to take advantage of these cheap properties and collect more wealth. This is a prime example of how Winner needs Waster. Winner counters Wasters argument that his spending spreads the wealth by trying to point out that Waster’s wastefulness is source of the shortage which causes the poor to be poor.
Waster then tries to validate his extravagance by countering with his generosity. He tries to exonerate his extravagance by giving the excess to the poor and providing work for the poor from the creation of extravagant feasts and clothes. Winner counters by saying that no matter what excess is given to the poor if the food and clothes were not extravagant, there would be much more to go around. Winner provides a valid point by stateing this, but as Winner says this he backs himself into a corner. If money is saved it does nothing but enrich the friars and other merchants. It does not serve the poor any better then extravagant spending. Here again the reader sees a striking similarity between the two extremes, and it becomes even more evident that neither extreme is correct. The only correct solution can
Page 4
be achieved through meeting in the middle of these two extremes. Neither Winner nor Waster is always correct.
Up to this point both Winner and Waster have proved that neither of the two sides are absolutely correct. Their attacks against each other have raised moral problems with each other’s sides. If one were to follow Winner’s view, the act of hoarding and saving everything could be seen as a lack of appreciation for Gods gifts to men. Waster points this out by saying that if Winner never uses the gifts created by God then he never will appreciate them and will ignore the goodness of God (Nicolas Jacobs 41). Waster’s practice of extravagance is no better. The extravagance can be seen as a waste of Gods gifts to men, when his gifts could be used much more wisely. Winner’s long hearted description of the banquet which Waster throws can be seen as an example of this waste. Winner seems to put all of his rebuttal into the description of the feast. So much so that the feast takes a large amount of lines. He seems to want to really drive home to the reader the extravagance of Waster. While neither is correct, the reading shows even more clearly that you cannot have a Waster without a winner. There needs to be a balance struck between the two ideals.
As the III Fitt begins Waster steps up the attack against Winner. He focuses more on the Winners focus on thrift. He attacks Winner’s defense of thrift as nothing more then a rejection of Gods goodness and his lack of concern for the poor. He gives the example that
Page 5
Thurgh the poure plente of corne that the peple sowes,
That God will graunte of his grace to growe on the erthe,
Ay to appaire the pris, and it passe nott to hye,
To hope aftir an harde yere to honge thiselven ( W& W 70-74)
Waster states that because the growing season was good the prices will remain low and the crops which he had been saving will be of less value. Winner will then hope for a bad growing season to drive the prices back up. Waster tries to focus the attack on the merchants in Winners army by attacking the way they handle their new found wealth. He tries to emphasize that wealth is the only thing they care about and they care little for the poor. He again is attacking the morality of Winner. As the poem progresses it seems that the poem is less about the financial problems with spending and saving, and more about the moral consequences between spending and saving. Nevertheless the solution still seems to be the same A Waster cannot exist without a Winner. If One exists without the other, not only will there be financial consequences, but moral ones also. Even Waster sees that there cannot be a Winner without a Waster.
Whose wele schal wyn, a wastour mposte he fynde,
For if it greves one gome, it gladdes another. (W&W 0-1)
While he did not have the intention of validating Winner’s point of view along with his own, it provides the reader with more reinforcement. To counter this Winner once again attacks wasters extravagant nature, with his extravagance in women’s clothes. Waster counters this attack by telling Winner that it is his money and he can do whatever he wants with it. Winner in saying this forgets that if it was not for Wasters extravagance in spending, there would be no money for Winner to obtain from sales and save.
Page 6
Through the past 400 some lines it seems that both Winner and Waster have fairly weak arguments. Nicolas Jacobs suggests that
The argument could go on indefinitely, for the two antagonists
seldom answer each other’s arguments and devote their speeches to recapitulating and expanding points they have already made,
frequently in a thoroughly inconsequential way. (Nicolas Jacobs 44)
In one of Waster’s final attacks accuses Winner of being Slothful and lazy. He accuses of Winner of waiting to make repairs to his house and cursing when the weather is to bad to make repairs to his house. Thus Waster says, Winner will be able to save money by not doing the repairs and have an excuse for not completing those repairs. He repeats the same argument he has in all of the other examples which he has given, Winner will not invest into anything and therefore can not help the poor. He only cares about hoarding his money.
With the arguments made the king is called in to decide once and for all who will win the debate between Winner and Waster. The King’s judgment suggests that he to believes that neither of these points of view are good in excess, but are only good when used in moderation together. It suggests that they are useful together in moderation, but cannot work usefully independently.
Throughout the attacks against each other, both Winner and Waster have both extremely personal and demoralizing shots against each other. The fact that the issue even had to be resolved by a third party makes both Winner and Waster seem childish. When you look at the picture of how the dispute was settled, it looks even more like two children who have been fighting, and their father, the king, had to settle the dispute once and for all.
Page 7
Just like most childish arguments neither child is right and both are at fault for the problem. Both Winner and Waster were incorrect in their attacks and were blinded by their view
points. As reader could begin to clearly see as they progressed through the book, you cannot have a Winner without a Waster or a Waster without a Winner.
Throughout the lines there constant references to God and the moral consequences of each others fiscal actions. Due to the time period which this was written in it can be hypothesized that the reason each point was turned into moral repercussions was because of the huge universal belief in the church and the large collective knowledge in the moral beliefs of the church. If an author wanted to spread knowledge of economic policy and teach his readers about the value of spending and saving the best way to do that would be to relate it to something that most readers of the period share in common. The most unifying thing in England was clearly the church. What better way to show that you cannot have a winner without a waster, then to relate it to morality. Winner’s fault is that he does not fully appreciate the gifts from God because he does not use them. Waster’s fault is that in his over extravagance, he wastes some of Gods precious gifts when they could be used more wisely. Both of their faults show that a person must appreciate the gifts from God and use them, but also must make sure that they do not misuse them. The reader can then draw from this, and see that a economic policy of saving has to be balanced with a policy of spending.
Page 8
The constant repeating of the same argument in different ways, and the bickering between both characters made them both seem childish and idiotic. This could have served the purpose of making those who were reading the book develop a lack of respect for
anybody who harbored one point of the view or the other and would cause people to understand that both in moderation are useful.
Through out the book as each character makes their arguments, it becomes quite clear that if either of the character’s views were employed completely, the economy would struggle. For the economy to function sufficiently there has to be a harmony created between Winner and Waster. Through the jousting back and forth between Winner and Waster the fiscal debate turns into on one morality and the abuse of God’s gifts to humans. As Winner and Waster attack each other on these grounds it becomes even more evident that neither Winner nor Waster could ever be totally correct. To achieve a good fiscal and moral economic policy, there would have to be a balance struck between the Winner and Waster.
Works Cited
- Jacobs, Nicolas. The Typology of Debate and the Interpretation of Wynnere and Wastoure. The Review of English Studies. Vol. 6 No. 144 (185) pp481-500
- Roney, Lois Winner and Waster’s Wyse Wordes Teaching Economics and Nationalism in Fourteenth- Century England Speculum Vol. 6 No. 4 (14) pp1070-1100
- Stillwell, Gardiner Wynnere and Wastoure and the Hundred Years’ War ELH Vol.8 No.4 (141) pp41-47
Mind that the sample papers like A comparison of Wynnere and Wastoure presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
practice report
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Out line
Enter the company
Introduction
Staff and service
My mission
My first group meeting in the company
My first class in the company
Market research
Analysis
Conclusion of the survey
Observed
What I have learned
Recommendation
My future¡¦s perspective
Enter the company
I was looking for a company for my internship practice in this summer.
I noticed TY from the local newspaper and the television. Through the advertising pages I found the short introduce and the address of TY. And then I found its location. I went to the department of human resources of the company. Then I told them the reasons of why I am come here, and gave them some documents in order to prove myself. But the things are not easy. They asked me some question, like
¡§Why you want come to our company?¡¨
¡§How much did you know about our company?¡¨
¡§What are you study in your school?¡¨
¡§What is your major?¡¨
¡§What will you doing if we accepted you?¡¨
¡§What kind of job would you like doing in our company?¡¨
Etc¡K.
They asked me to waiting for the information. After days waiting I was employed by the company. Since that day I was beginning my summer internship. It was two months internship.
Introduction
TY located in Yining city, northwest of China.
TY was founded in 1. Since 1 to 00, 10 years experience, and never stopped innovation, practice and explore continual looking for the market to Concentrated on the opportunity, promote a diversified economy.
Now TY has .5 billion Yuan (Chinese currency) capitals, 1.41 billion Yuan (Chinese currency) net assets, 0.5 billion Yuan (Chinese currency) registered capitals, 57 employers, 10 branch companies,and proprietary companies. Including in passenger traffic, automobile trade and rent car, etc¡K which the company management. But the main market for TY is passenger traffic.
Structure of the company
This picture is to present the organization structure of the company.
Staff and Services
„� TY believe the consumers are gods.
„� TY staff provides customer service and operational assistance at several stations.
„� In the traffic terminal station, TY supplied lounge, restaurant, shopping, and checkroom etc, for the consumers.
„� TY also supplied TV and free teas in the bus, Chinese people like tea just like America people like Coca-Cola. TV is in order to provide enriched cultural and recreational activities.
„� If consumer wants book the ticket, he or she could calling and make the reservation in order to know if the schedule is valuable.
My mission
In TY, I was working for the department of marketing. My working time is 1000-1400 and 1600-1800. My job was doing the marketing research. The marketing manager was responsible for me.
Between June and September, this period is the peak-hour of the passenger traffic in every year. In the reason of the larger number of students go back home in the vacation. It¡¦s also the travel boom.
¡§TY is new. And he has a lot of system need to improve¡¨, Said of marketing manager of TY.
Marketing managers wanted doing a research about the market in order to improve TY¡¦s market. Mr. LI is the responsible people of this plan. And I am the assistant of Mr. LI. There also included another people. So we got a team work to do. Our group has 4 people - responsible people, decision makers and assistant. Because I¡¦m the new in TY, they gave me some thing to do which is not very important. Such as typing some document that the company need. Of incause I have to participate of the group meeting.
My first group meeting in the company
In 15th August I participated in my first group meeting in TY. I was so exciting in that day. But I was also feeling nervous.
1000- in the company. I was the first one arrived at the office and I was doing some checking working in order to get everything ready beforehand. E.g. check of the name of the member, who will participate of the group meeting. And give them advance notice. Etc¡K
110- in the office of Mr. LI (responsible people). We begin the group meeting.
1st ¡V I gave the keynote to everyone in today¡¦s meeting.
nd¡V Mr. LI give us 0 minutes to think about the keynote. But he asked to think independently.
rd¡V We should voice the idea one by one. Different people have different opinion. So I was just listening and didn¡¦t say anything. Then Mr. LI said to me, ¡§Sisi, What do you have in your mind¡¨? In that moment, I can¡¦t remember anything what did I learned in school. (I feel so bad.) I don¡¦t know what I should say. And Mr. LI said, don¡¦t be nervous¡Arelax! Considered of the lunch time Mr. LI decided to finish today¡¦s group meeting.
After the meeting other member were leaving. But Mr. LI asked me to stay.
My first class in the company
Conversation
Mr. LI How long have you been stay in France?
Me years.
Mr. LI Great. In my age we haven¡¦t search opportunities like you.
Me My father also said that to me before.
Mr. LI En¡K what¡¦s you feeling through today¡¦s meeting?
Me Every thing is good except me.
Mr. LI Why?
Me Because I have no idea.
Mr. LI I could understand you. I had the same feeling like you before. Let me give you some suggest If you do not mind.
Me Of cause not.
Mr. LI I felt you are a little bet ¡§inside¡¨. You need to talk. And feel confidence. You need full of confidence for everything. Be brave! Remember the most important thing is feel confidence.
Market research
Reason
TY has a good selling achievement. But the competitors are stronger. The substitute product in the same industry is more affection.
Goal
TY decided to do a marker research in order improve TY¡¦s market.
Mission
Research goal is to know
Consumer- where is the selling position of the market?
Market- how big is the market when we publishing the product?
Competitors- what will the competitors act do?
Innovation- what did the market need? How much does the innovation need?
Inventors- will you need more money?
Plan
We are using multiple question and single choice.
Strategy
Use multiple question and single choice in order to save time. And multiple questions are easy for the statistic. If it is not the multiple question and people answer the question maybe feel question is bored, or answer the question will waste time.
TIANYOU CORPORATION MARKET RESEARCH IN 00
Responsible people Mr. LI
Assistants
Mr. ZHAO
Miss. TIAN
Miss. ZHENG
DATA
NO.
1, If you going to vacation, what kind of transportation do you like?
�ß By Airplane
�ß By Train
�ß By Automobile
, if it is a short travel what kinds of transportation do you like?
�ß By Airplane
�ß By Train
�ß By Automobile
, which transportation do you think is more safe?
�ß By Airplane
�ß By Train
�ß By Automobile
Remarks column
In this questionnaire there is no ship, because of TY¡¦s main market is in the main land. So we didn¡¦t consider about the ship.
Analysis
According to incomplete statistics
�ß In the question ¡§if you going to vacation what kind of transportation do you like?¡¨
We could see the graphic.
In this graphic- 1st airplane
nd train
rd automobile
61% people choose airplane.
Reason Airplane is comfortable and save time.
0% people choose train.
Reason They want to see the landscapes during the journey. Also the speed of train is not slow.
1% people choose automobile s.
Reason cheap and not bad.
�ß In the questionnaire of ¡§if it is a short travel what kinds of transportation do you like?¡¨
We could see the graphic.
In this graphic 1st airplane
nd train
rd automobile
0% people choose airplane.
Reason comfortable.
1% people choose train.
Reason convenient.
61% people choose automobile.
Reason convenient and easy to take.
�ß In the questionnaires of ¡§which transportation do you think is more safe?¡¨
We could see the graphic.
In this graphic 1st airplane
nd train
rd automobile
11% people choose airplane.
Reason Assurance coefficient is higher. Accident ratio is lowest. Accident prevention is good than the others.
8% people choose train.
Reason Assurance coefficient is good. Accident ration is lower and if there is an accident survival rate will higher by train than by airplane.
0% people choose automobile
Reason Assurance coefficient is low. Accident ratio is highest than airplane and train.
Conclusion of the survey
Consumer¡¦s taste
Security-The first important is the security.
Convenience- Make everything easy.
Comfortable- Make people feel good.
Speed- Time is money.
Fun - creation facilities.
What did we observed?
Consumers think the most secure transportation is airplane, because the assurance coefficient is higher and Accident ratio is lowest. And also accident prevention is good than the others.
But they also have some worries. The survival rate of the airplane accident will be lowest.
And train is the secondary securable transportation in this survey. Automobile is the last one in this survey.
In which kind of situation people will take airplane, train and automobile.
Airplane- People will take it in the situation of long journey and medium journey.
Train- People will take it in the situation of long journey, medium journey and short journey.
Automobile- People will take it in the situation of medium journey and short journey.
Reference material
We also have some reference material during the research. Those documents could get from the National bureau of statistics of China.
Income of Urban Households by Region (00.7)
Number of Households Average Household Size Average Number of Persons Engaged Per Household Average Total Income Per Household Disposable Income
(Households) (Person) (Person) (Yuan) (Yuan)
National Total 47 .01 1.58 711.56 660.7
Beijing 1000 .7 1.67 1170.75 1078.56
Tianjin 1500 . 1.41 806.10 750.4
Hebei 60 .8 1.5 618.78 586.01
Shanxi 1670 .06 1.5 571.6 5.75
Inner Mongolia 00 .6 1.58 588.40 55.7
Liaoning 600 .7 1.60 648.1 56.
Jilin 150 .01 1.58 588.1 56.0
Heilongjiang 050 . 1.40 56.8 547.
Shanghai 500 .00 1.56 108.01 117.
Jiangsu 4600 .7 1.4 78.45 70.61
Zhejiang 50 .8 1.50 110.6 1007.56
Anhui 1750 .7 1.56 555.64 515.1
Fujian 1700 .0 1.71 840.8 766.77
Jiangxi 180 .8 1.5 57.0 507.87
Shandong 64 .8 1.77 718.11 66.88
Henan 440 .0 1.5 581.14 55.7
Hubei 1600 .05 1.68 617.8 580.
Hunan 1000 .0 1.58 610. 568.18
Guangdong 1600 .1 1.7 106.16 .
Guangxi 100 .07 1.6 60.70 58.6
Hainan 00 .5 1.66 557.14 54.74
Chongqing 00 .8 1.60 71.16 66.74
Sichuan 1646 . 1.4 57.78 56.8
Guizhou 110 .11 1.5 514.55 48.8
Yunnan 100 .00 1.55 6.58 57.1
Tibet 0 0.00 0.00 0.00 0.00
Shaanxi 1447 .04 1.50 577.4 51.
Gansu 880 .8 1.50 561.18 50.0
Qinghai 550 .06 1. 60.6 588.85
Ningxia 1000 .7 1.6 544.77 506.81
Xinjiang 10 .0 1.61 66.4 565.1
From this form we would see TY¡¦s location is in the Xinjiang province which is typing in red. Compared with other province, in Xinjiang, people¡¦s personal total income and disposable Income are all below of the personal national total income and disposable income. In another hand, it means Xinjiang has an incomplete economic system. It restrict TY¡¦s selling price. The market price is not just depending on TY. It¡¦s also depending on the marketing and also depending on competitors¡¦ strategy. So strategy management is the key of a company.
Decision making
After the analysis we observed a lot of situation. TY¡¦s goal is to keep company¡¦s transport line constant in medium and short as before, and ensure the security, convenient comfortable, comfortable. Increase the service quality such as increase creation facilities.
Company¡¦s perspective
TY just has 10 years history. 10 years history is short. It¡¦s easy to open a company but hard to keep. TY needs to continuous exploring in order to make its own feature. Self-praise is no recommendation. We need make consumers recognize us.
Observed
I want use one paragraph to describing my feeling at the moment- ¡§Ideally, it seems a global manager should have the stamina of an Olympic runner, the mental agility of an Einstein, the conversational skill of a professor of languages, the detachment of a judge, the tact of diplomat, and the perseverance of an Egyptian pyramid builder. And that¡¦s not all. If they are going to measure up to the demands of living and working in a foreign country, they should also have a feeling for the culture; their moral judgment should not be too rigid; they should be able to merge with the local environment; and they should show no signs of prejudice.¡¨--- Thomas Aitkin.
What I have learned
From this practice I find my target. It doesn¡¦t mean I haven¡¦t target before. Maybe in my life I have a lot of target. Since this summer I knew how to have a brave heart and make myself more confidence.
I understand the importance of team work.
Team work management is a part of liability of a manager. Team work is the basis of all the successful management.
Understanding what is team work¡H
The element of a team
Team and mission
Analysis the role of each member
The balance of the team
Organized a team.
Make target
Get help
Believing
Work hard
Efficiency
Analysis motivation
Communication
Group meeting
External information
Creative thinking
Problem solving
Work for future
Estimate
Training
Set goal
Encourage and reward
Planning future
That is the key successful element of team work.
Recommendation
I was working in this company just for one and half month, and I had a deep feeling with this company. I used all I learned, and I feel good.
When I was in high school my political teacher told me economy always link with the police of national. Economy decided the police, police reaction of the economy. Do not ignore the importance of the police. In China, government always protects the national industry. That is the police of the government. Even China joins into the WTO. The Middle and Small Corporation get the protection from the national in order to resist the global corporation. But in China, the privet corporation is not the key point of the protection. The important role is National Corporation not private. We need to use the police to developing the company. Do not limit by the police.
This company is new there is so much incomplete system. Most of the managers¡¦ successes depend on their deep experience. For the experience they are absolutely better than me. But they ignored a part is that company need a standard system.
Special the management system is no complete.
Good management is the absolutely necessary for a company. I sum up to 5 parts.
Part one; make sure the manager and the management and managing in Today¡¦s world. Also need to know the Level of mangers. (Table 1)
Part two; planning- organization¡¦s objectives or goal. Planning in order to achieving those goals and developing a comprehensive hierarchy of plans to integrate and coordinate activates.
Part three; organizing- there are 6 element of organizational structure, work specialization, chain of command, span of control, authority and responsibility.
Part three; leading- good leader need to have a leadership. Leaders need to know how to organize a group. Also need to know motivated the employee.
Part four; controlling- is the process of monitoring activities to ensure that they are being accomplished as planned and correcting and signification deviations.
Level of managers (Table 1)
Top manager
Middle managers
First-line managers
Operatives
In the market side
Compete in which part?
In the marketing side, TY needs to compete with the socialist state owned enterprise, and also the private enterprise. Specially, after China join into WTO. It is a big challenge for the Chinese companies. I Think TY needs to continue took the market share from other competitors. TY needs to reduce the cost. And make the safety driving. Never forgot ¡§time is money!¡¨ and ¡§safety is first!¡¨
How to compete?
Cost ¡õ quality ¡� delivery ¡� reliability ¡�
What will TY compete?
Selling and service.
My future¡¦s perspective
Everyone wants to make a plan for the future.
I want to be a successful business person. So I am coming here and to study BBA. Some of the influence is coming from my father. He is a business man. He hasn¡¦t good background but he successes in his business.
I want to continue my father¡¦s business. My father starts the business and I need to keep it. It is not a easy thing like the story in the film.
I made a plan for myself.
The important thing is I need to get the diploma of BBA. And I will continue to study MBA. In order to rich my knowledge. The absolutely necessary thing is the experience. All of my study is around with the book and if there has any experience I have that was come from my professors.
So the goal of my near future is to rich my experience and knowledge of doing business.
Mind that the sample papers like practice report presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
Out line
Enter the company
Introduction
Staff and service
My mission
My first group meeting in the company
My first class in the company
Market research
Analysis
Conclusion of the survey
Observed
What I have learned
Recommendation
My future¡¦s perspective
Enter the company
I was looking for a company for my internship practice in this summer.
I noticed TY from the local newspaper and the television. Through the advertising pages I found the short introduce and the address of TY. And then I found its location. I went to the department of human resources of the company. Then I told them the reasons of why I am come here, and gave them some documents in order to prove myself. But the things are not easy. They asked me some question, like
¡§Why you want come to our company?¡¨
¡§How much did you know about our company?¡¨
¡§What are you study in your school?¡¨
¡§What is your major?¡¨
¡§What will you doing if we accepted you?¡¨
¡§What kind of job would you like doing in our company?¡¨
Etc¡K.
They asked me to waiting for the information. After days waiting I was employed by the company. Since that day I was beginning my summer internship. It was two months internship.
Introduction
TY located in Yining city, northwest of China.
TY was founded in 1. Since 1 to 00, 10 years experience, and never stopped innovation, practice and explore continual looking for the market to Concentrated on the opportunity, promote a diversified economy.
Now TY has .5 billion Yuan (Chinese currency) capitals, 1.41 billion Yuan (Chinese currency) net assets, 0.5 billion Yuan (Chinese currency) registered capitals, 57 employers, 10 branch companies,and proprietary companies. Including in passenger traffic, automobile trade and rent car, etc¡K which the company management. But the main market for TY is passenger traffic.
Structure of the company
This picture is to present the organization structure of the company.
Staff and Services
„� TY believe the consumers are gods.
„� TY staff provides customer service and operational assistance at several stations.
„� In the traffic terminal station, TY supplied lounge, restaurant, shopping, and checkroom etc, for the consumers.
„� TY also supplied TV and free teas in the bus, Chinese people like tea just like America people like Coca-Cola. TV is in order to provide enriched cultural and recreational activities.
„� If consumer wants book the ticket, he or she could calling and make the reservation in order to know if the schedule is valuable.
My mission
In TY, I was working for the department of marketing. My working time is 1000-1400 and 1600-1800. My job was doing the marketing research. The marketing manager was responsible for me.
Between June and September, this period is the peak-hour of the passenger traffic in every year. In the reason of the larger number of students go back home in the vacation. It¡¦s also the travel boom.
¡§TY is new. And he has a lot of system need to improve¡¨, Said of marketing manager of TY.
Marketing managers wanted doing a research about the market in order to improve TY¡¦s market. Mr. LI is the responsible people of this plan. And I am the assistant of Mr. LI. There also included another people. So we got a team work to do. Our group has 4 people - responsible people, decision makers and assistant. Because I¡¦m the new in TY, they gave me some thing to do which is not very important. Such as typing some document that the company need. Of incause I have to participate of the group meeting.
My first group meeting in the company
In 15th August I participated in my first group meeting in TY. I was so exciting in that day. But I was also feeling nervous.
1000- in the company. I was the first one arrived at the office and I was doing some checking working in order to get everything ready beforehand. E.g. check of the name of the member, who will participate of the group meeting. And give them advance notice. Etc¡K
110- in the office of Mr. LI (responsible people). We begin the group meeting.
1st ¡V I gave the keynote to everyone in today¡¦s meeting.
nd¡V Mr. LI give us 0 minutes to think about the keynote. But he asked to think independently.
rd¡V We should voice the idea one by one. Different people have different opinion. So I was just listening and didn¡¦t say anything. Then Mr. LI said to me, ¡§Sisi, What do you have in your mind¡¨? In that moment, I can¡¦t remember anything what did I learned in school. (I feel so bad.) I don¡¦t know what I should say. And Mr. LI said, don¡¦t be nervous¡Arelax! Considered of the lunch time Mr. LI decided to finish today¡¦s group meeting.
After the meeting other member were leaving. But Mr. LI asked me to stay.
My first class in the company
Conversation
Mr. LI How long have you been stay in France?
Me years.
Mr. LI Great. In my age we haven¡¦t search opportunities like you.
Me My father also said that to me before.
Mr. LI En¡K what¡¦s you feeling through today¡¦s meeting?
Me Every thing is good except me.
Mr. LI Why?
Me Because I have no idea.
Mr. LI I could understand you. I had the same feeling like you before. Let me give you some suggest If you do not mind.
Me Of cause not.
Mr. LI I felt you are a little bet ¡§inside¡¨. You need to talk. And feel confidence. You need full of confidence for everything. Be brave! Remember the most important thing is feel confidence.
Market research
Reason
TY has a good selling achievement. But the competitors are stronger. The substitute product in the same industry is more affection.
Goal
TY decided to do a marker research in order improve TY¡¦s market.
Mission
Research goal is to know
Consumer- where is the selling position of the market?
Market- how big is the market when we publishing the product?
Competitors- what will the competitors act do?
Innovation- what did the market need? How much does the innovation need?
Inventors- will you need more money?
Plan
We are using multiple question and single choice.
Strategy
Use multiple question and single choice in order to save time. And multiple questions are easy for the statistic. If it is not the multiple question and people answer the question maybe feel question is bored, or answer the question will waste time.
TIANYOU CORPORATION MARKET RESEARCH IN 00
Responsible people Mr. LI
Assistants
Mr. ZHAO
Miss. TIAN
Miss. ZHENG
DATA
NO.
1, If you going to vacation, what kind of transportation do you like?
�ß By Airplane
�ß By Train
�ß By Automobile
, if it is a short travel what kinds of transportation do you like?
�ß By Airplane
�ß By Train
�ß By Automobile
, which transportation do you think is more safe?
�ß By Airplane
�ß By Train
�ß By Automobile
Remarks column
In this questionnaire there is no ship, because of TY¡¦s main market is in the main land. So we didn¡¦t consider about the ship.
Analysis
According to incomplete statistics
�ß In the question ¡§if you going to vacation what kind of transportation do you like?¡¨
We could see the graphic.
In this graphic- 1st airplane
nd train
rd automobile
61% people choose airplane.
Reason Airplane is comfortable and save time.
0% people choose train.
Reason They want to see the landscapes during the journey. Also the speed of train is not slow.
1% people choose automobile s.
Reason cheap and not bad.
�ß In the questionnaire of ¡§if it is a short travel what kinds of transportation do you like?¡¨
We could see the graphic.
In this graphic 1st airplane
nd train
rd automobile
0% people choose airplane.
Reason comfortable.
1% people choose train.
Reason convenient.
61% people choose automobile.
Reason convenient and easy to take.
�ß In the questionnaires of ¡§which transportation do you think is more safe?¡¨
We could see the graphic.
In this graphic 1st airplane
nd train
rd automobile
11% people choose airplane.
Reason Assurance coefficient is higher. Accident ratio is lowest. Accident prevention is good than the others.
8% people choose train.
Reason Assurance coefficient is good. Accident ration is lower and if there is an accident survival rate will higher by train than by airplane.
0% people choose automobile
Reason Assurance coefficient is low. Accident ratio is highest than airplane and train.
Conclusion of the survey
Consumer¡¦s taste
Security-The first important is the security.
Convenience- Make everything easy.
Comfortable- Make people feel good.
Speed- Time is money.
Fun - creation facilities.
What did we observed?
Consumers think the most secure transportation is airplane, because the assurance coefficient is higher and Accident ratio is lowest. And also accident prevention is good than the others.
But they also have some worries. The survival rate of the airplane accident will be lowest.
And train is the secondary securable transportation in this survey. Automobile is the last one in this survey.
In which kind of situation people will take airplane, train and automobile.
Airplane- People will take it in the situation of long journey and medium journey.
Train- People will take it in the situation of long journey, medium journey and short journey.
Automobile- People will take it in the situation of medium journey and short journey.
Reference material
We also have some reference material during the research. Those documents could get from the National bureau of statistics of China.
Income of Urban Households by Region (00.7)
Number of Households Average Household Size Average Number of Persons Engaged Per Household Average Total Income Per Household Disposable Income
(Households) (Person) (Person) (Yuan) (Yuan)
National Total 47 .01 1.58 711.56 660.7
Beijing 1000 .7 1.67 1170.75 1078.56
Tianjin 1500 . 1.41 806.10 750.4
Hebei 60 .8 1.5 618.78 586.01
Shanxi 1670 .06 1.5 571.6 5.75
Inner Mongolia 00 .6 1.58 588.40 55.7
Liaoning 600 .7 1.60 648.1 56.
Jilin 150 .01 1.58 588.1 56.0
Heilongjiang 050 . 1.40 56.8 547.
Shanghai 500 .00 1.56 108.01 117.
Jiangsu 4600 .7 1.4 78.45 70.61
Zhejiang 50 .8 1.50 110.6 1007.56
Anhui 1750 .7 1.56 555.64 515.1
Fujian 1700 .0 1.71 840.8 766.77
Jiangxi 180 .8 1.5 57.0 507.87
Shandong 64 .8 1.77 718.11 66.88
Henan 440 .0 1.5 581.14 55.7
Hubei 1600 .05 1.68 617.8 580.
Hunan 1000 .0 1.58 610. 568.18
Guangdong 1600 .1 1.7 106.16 .
Guangxi 100 .07 1.6 60.70 58.6
Hainan 00 .5 1.66 557.14 54.74
Chongqing 00 .8 1.60 71.16 66.74
Sichuan 1646 . 1.4 57.78 56.8
Guizhou 110 .11 1.5 514.55 48.8
Yunnan 100 .00 1.55 6.58 57.1
Tibet 0 0.00 0.00 0.00 0.00
Shaanxi 1447 .04 1.50 577.4 51.
Gansu 880 .8 1.50 561.18 50.0
Qinghai 550 .06 1. 60.6 588.85
Ningxia 1000 .7 1.6 544.77 506.81
Xinjiang 10 .0 1.61 66.4 565.1
From this form we would see TY¡¦s location is in the Xinjiang province which is typing in red. Compared with other province, in Xinjiang, people¡¦s personal total income and disposable Income are all below of the personal national total income and disposable income. In another hand, it means Xinjiang has an incomplete economic system. It restrict TY¡¦s selling price. The market price is not just depending on TY. It¡¦s also depending on the marketing and also depending on competitors¡¦ strategy. So strategy management is the key of a company.
Decision making
After the analysis we observed a lot of situation. TY¡¦s goal is to keep company¡¦s transport line constant in medium and short as before, and ensure the security, convenient comfortable, comfortable. Increase the service quality such as increase creation facilities.
Company¡¦s perspective
TY just has 10 years history. 10 years history is short. It¡¦s easy to open a company but hard to keep. TY needs to continuous exploring in order to make its own feature. Self-praise is no recommendation. We need make consumers recognize us.
Observed
I want use one paragraph to describing my feeling at the moment- ¡§Ideally, it seems a global manager should have the stamina of an Olympic runner, the mental agility of an Einstein, the conversational skill of a professor of languages, the detachment of a judge, the tact of diplomat, and the perseverance of an Egyptian pyramid builder. And that¡¦s not all. If they are going to measure up to the demands of living and working in a foreign country, they should also have a feeling for the culture; their moral judgment should not be too rigid; they should be able to merge with the local environment; and they should show no signs of prejudice.¡¨--- Thomas Aitkin.
What I have learned
From this practice I find my target. It doesn¡¦t mean I haven¡¦t target before. Maybe in my life I have a lot of target. Since this summer I knew how to have a brave heart and make myself more confidence.
I understand the importance of team work.
Team work management is a part of liability of a manager. Team work is the basis of all the successful management.
Understanding what is team work¡H
The element of a team
Team and mission
Analysis the role of each member
The balance of the team
Organized a team.
Make target
Get help
Believing
Work hard
Efficiency
Analysis motivation
Communication
Group meeting
External information
Creative thinking
Problem solving
Work for future
Estimate
Training
Set goal
Encourage and reward
Planning future
That is the key successful element of team work.
Recommendation
I was working in this company just for one and half month, and I had a deep feeling with this company. I used all I learned, and I feel good.
When I was in high school my political teacher told me economy always link with the police of national. Economy decided the police, police reaction of the economy. Do not ignore the importance of the police. In China, government always protects the national industry. That is the police of the government. Even China joins into the WTO. The Middle and Small Corporation get the protection from the national in order to resist the global corporation. But in China, the privet corporation is not the key point of the protection. The important role is National Corporation not private. We need to use the police to developing the company. Do not limit by the police.
This company is new there is so much incomplete system. Most of the managers¡¦ successes depend on their deep experience. For the experience they are absolutely better than me. But they ignored a part is that company need a standard system.
Special the management system is no complete.
Good management is the absolutely necessary for a company. I sum up to 5 parts.
Part one; make sure the manager and the management and managing in Today¡¦s world. Also need to know the Level of mangers. (Table 1)
Part two; planning- organization¡¦s objectives or goal. Planning in order to achieving those goals and developing a comprehensive hierarchy of plans to integrate and coordinate activates.
Part three; organizing- there are 6 element of organizational structure, work specialization, chain of command, span of control, authority and responsibility.
Part three; leading- good leader need to have a leadership. Leaders need to know how to organize a group. Also need to know motivated the employee.
Part four; controlling- is the process of monitoring activities to ensure that they are being accomplished as planned and correcting and signification deviations.
Level of managers (Table 1)
Top manager
Middle managers
First-line managers
Operatives
In the market side
Compete in which part?
In the marketing side, TY needs to compete with the socialist state owned enterprise, and also the private enterprise. Specially, after China join into WTO. It is a big challenge for the Chinese companies. I Think TY needs to continue took the market share from other competitors. TY needs to reduce the cost. And make the safety driving. Never forgot ¡§time is money!¡¨ and ¡§safety is first!¡¨
How to compete?
Cost ¡õ quality ¡� delivery ¡� reliability ¡�
What will TY compete?
Selling and service.
My future¡¦s perspective
Everyone wants to make a plan for the future.
I want to be a successful business person. So I am coming here and to study BBA. Some of the influence is coming from my father. He is a business man. He hasn¡¦t good background but he successes in his business.
I want to continue my father¡¦s business. My father starts the business and I need to keep it. It is not a easy thing like the story in the film.
I made a plan for myself.
The important thing is I need to get the diploma of BBA. And I will continue to study MBA. In order to rich my knowledge. The absolutely necessary thing is the experience. All of my study is around with the book and if there has any experience I have that was come from my professors.
So the goal of my near future is to rich my experience and knowledge of doing business.
Mind that the sample papers like practice report presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
Online Banking
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Management 4
Professor Chao, Chiang
Jin Chung
Tina Fogg
Marie Desimone
Richard Lee
Claudia Rubino
Francesca Vicari
Online Banking (Citibank)
INTRODUCTION
The use of computers and Internet in today’s society makes life much more convenient for everyone. This case proves the point that online banking as services are becoming more trusted with the increase in popularity. Also, consumers are finding financial services more suitable with Internet banking. Thus, as result, online banking is spreading like wildfire. As the number of consumers using the Internet expands, banks have to keep up with the demand and provide quality products and services online. Along with this, many users of online banking feel a sense of freedom that these new services offer them. Due to some of its benefits, financial services have never been as simple as they are with online banking. One key advantage, among others, is that consumers can access their accounts from any computer with the Internet around the world. However, like anything else, online banking has its disadvantages as well as advantages.
LITERATURE REVIEW
What is Online Banking? Online banking is just what it sounds like. You access a bank’s web site over the Internet and enter a user ID and password. This gives you access to your account information over a secure server. Service for online banking is available 4 hours a day, seven days a week. You no longer have to rush to the bank at lunchtime or stand in line-ups in the bank or at the ATM, just to find out information about the availability of your funds.
While a number of the largest banks have gone to the Web and introduced free online banking to attract new customers and allow existing consumers to manage accounts online, not much else has changed, according to Bankrate.com’s fifth semiannual Checking Account Pricing Study (Buckham).
Some online banking services are free while others have a fee. These banks determine rates and fees for online accounts based on where you live. That is why these banks ask customers where they live in one form or another. Each state would have different fees and rates. You would be given the same rates that you would receive if you’d walked into your hometown branch of the same institution.
In order to get started with Internet banking, you must have either an IBM compatible or Macintosh computer. You will also need a modem, an Internet browser, and access to the Internet. The recommended browsers include Microsoft Internet Explorer 4.01 or newer, Netscape Communicator 4.7 or Netscape Navigator 4.08 (O’Brien). In the near future it will be possible to access your online banking information from a Palm Organizer or Web TV.
The most basic online banking sites let you see account balances, transfer money between accounts, view transaction statements, and pay bills electronically. Some online banking sites let you apply for new accounts and loans, order new checks and stop payments, and many other services. Due to the fact that many people work during banking hours, online banking is a convenient option for them. It is also a great time- saver. For instance, instead of going to each individual bank to find out about their banking information and rates, you can go online and find out about all of that information.
Another online banking feature that many customers enjoy is paying for bills online. You would only have to type your payee’s account information one time. Once you instruct your bank to pay a bill, the bank will pay the merchant electronically if possible, or the bank will print and mail a check. Online banking is a great tool for checking your account transactions or figuring out whether a particular check has cleared. Many banks let you download transaction information, saving you several hours of data entry each year.
Aside from the advantages and services online banking provides, there are also disadvantages to online banking. Online banking cannot do everything. Some of the disadvantages of online banking are that you need an account with an internet service provider (ISP). There is also an original setup for bill paying and is time consuming, but in the long run it will save you time. Switching banks can also be more cumbersome online than in person. In order to use online banking, the person must have basic computer skills and Internet knowledge, and also must be comfortable using the computer. (www.msmoney.com).
Unlike regular banks, you will need to mail or have direct deposit or any deposits to your bank account. This could be a disadvantage because this could be time consuming. Online banks usually do not have their own ATM’s, although you will be able to access ATM’s provided by many other banks. However, most banks do offer you a rebate for their ATM usage. Online banking is not the same as seeing a teller personally. You can ask a teller questions, but it would not be possible to ask these questions to your computer. This service is not available yet. You may be able to e-mail the bank with your questions, but will not receive a response for at least 4 hours. Some services that are not available are safety deposit boxes, coin counting, and ATM’s. These services cannot be duplicated with online banking. Some things were just not meant to be a part of online banking.
There are also security concerns about this system, like “hackers” accessing your bank account. Banks use the top security measures available for their online banking websites. There are some tips that will help you secure your information. First, you should make sure the online banking service you are using is FDIC (Federal Deposit Insurance Corporation) insured before you make a decision on what bank you should use. Secondly, do not send any account numbers or balances through e-mail to your banks customer service department. You should also protect your online banking password just as you would with you ATM card and pin number. Finally, your password shouldn’t be so obvious or should be changed every 0 to 60 days.
Citibank currently uses three types of security features to protect its customers’ privacy; strong encryption, personal identification number, and automatic time out. Citibank uses the highest level of encryption, 18-bit, which scrambles and then reassembles all information sent between Citibank and the customer’s personal computer. The personal identification number is a unique number that is entered every time a customer accesses his or her account online. Automatic time out helps protect against unauthorized access by ending the user’s connection to their account after seven minutes of inactivity.
Considering the amounts of money being spent on security, and the different types of security features being used, one would think that identity fraud and theft would be a rare occurrence. However, there are 500,000 cases of identity theft each year, just in the United States alone (Mearian). About a year ago, in January 00, a flaw was found in Citibank’s online payment site, cit.com. This flaw allowed any logged-in user to access other customer’s accounts. They could transfer cash, view credit card and bank information, and easily cover their tracks when finished (Fisher). Obviously, the methods being used are not secure enough, and new methods should be implemented.
One type of innovative security solution is biometrics. Biometrics uses a unique biological feature to verify the identity of an individual. Personal identification numbers are still the most used security feature, but can be stolen or lost. Using biometrics provides a more secure way of identifying an individual, and nothing can be lost or stolen. Features that are used in biometrics are fingerprints, palm prints, retina scanning, iris scanning, hand geometry, face recognition, and voice authentication. All of these features are unique to every person, which makes it extremely difficult, if not impossible for identity theft to occur.
Out of all the different types of human characteristics used in biometrics, the voice is the most unique. Furthermore, voice authentication would probably be the easiest to implement through a computer with the use of a microphone, and most users would probably feel comfortable with it.
Citibank is looking into the possibility of using biometrics to identify customers more securely. According to Tom Connaughton, managing director of risk management at Citibank, the company wants to lead the way in using biometrics as a new security feature. In addition, Citibank hopes to provide their customers with a variety of identification options, allowing them to choose whichever one they are the most comfortable with (Mearian). In exploring new ways of protecting privacy, it is important to not forget the comfort of the customers themselves.
The following indicates consumers overall attitude toward online banking.
Consumer Attitude Total
Security/privacy/concerns
over transaction. 85%
Find online financial
transaction more convenient. 4%
Net has changed attitude
to financial transaction %
Conduct/expect to conduct
financial transaction 0%
Check/expect to check credit
card balances 15%
The statistics show that security is the main concern of online banking users as well as with the financial institutions, who invest large amounts of money in protecting the privacy of their customers. If people don’t think their money is safe with an institution, they won’t place their money there. Banks want to provide their customers with a sense of security that their money and information are safe with them.
As predicted by the E marketer forecast, the number of U.S households banking online would almost double from 001 to 005. The number of U.S households carrying out banking transaction via the Internet will rise from 17. million in 001 to 1. million by the end of 00. During 00, the number of U.S households banking online will reach 5. million and by 004 the U.S online banking population will hit 8.7 million. E-marketers predict that by 005, some 1.5 million households in the U.S will be carrying out bank transaction via the Internet. The market will be driven by new offerings from financial service providers and a wider range of wireless devices.
Online Banking Adoption In The U.S
Year Percentage
001 7%
00 8.%
00 %
004 11%
005 11.%
According to research companies, banks wishing to boost adoption rates need to ensure that bill payment services are the centerpiece of any online banking offerings rather than just add-on services.
How U.S Banks Measure The Success Of Their Online Services
Metric Total
Number of online customers 60%
Penetration across customer base 47%
Percentage of active users 4%
Percentage using bill pay 7%
Volume of bill pays 0%
Number of services per customer 7%
Bank executives want to offer online services to more customers and push them to use automated banking. As technology advances and the Internet becomes more wide spread, banks hope that eventually all of their traditional services, and perhaps much more can be offered online.
How Broad Band Changes Consumers Online Financial Activity
Online Activity Total
Receiving or viewing bills +46%
Checking bank balances +%
Inter-account funds transfer +%
Paying bills +11%
Tracking stocks +%
Trading stocks +1%
Some bank customers would rather do banking the old fashion way, at the banks themselves. According to research conducted by Garther, consumers are distrustful of such services in general, believing that their information is neither secure nor private.
Why Customers Dropped Banks Online Bill Services in 001
Reasons Total
Didn’t understand system %
Payment problems 5%
No value 1%
Inconvenient 11%
Expensive 11%
Don’t Know 7%
Value Of Wireless Financial Services To U.S Consumers
Function Very Useful Not Useful
Transacting 7% 4%
Information 58% %
Notice 55% 1%
Online banking is cheaper for banks, households and businesses. The cost of online transaction on average a transaction in a branch costs around $.50, while it may cost even less than 10 cents online.
Potential Savings From Automating Checking
Category Benchmark Potential Savings
Households 5 million takers USD 5.4 billion
Business If business uptake =50% USD 8.0 billion
Banks spend almost half of their spending on customer security and privacy. Providing security and privacy to customers is more important to banks than gaining new ones.
Banks’ Immediate Priorities For Tech Spending
Strategy Percentage
Security & privacy 40%
Customer acquisition 0%
EBPP 14%
Single Sign-on %
CRM 8%
Account aggregation 6%
Other %
Fraud is still a major concern for customers when it comes to online banking. Passwords are vulnerable, can be lost, and forgotten or stolen by unauthorized users. 75% of online bankers are concerned about security and privacy measures.
Attitude Of Americans Towards Cyber crime
Category Total
Feel threatened/concerned over cyber crime 67%
Want more protection for consumers 6%
Less likely to do business online 61%
No effect on E-commerce %
Online Card Fraud As A Concern For US Firms
Type of Concern 000 001
Loss of revenue 7% 57%
Charge backs 4% 45%
Financial reconciliation inefficiencies n/a 4%
Bank fees 4% %
ID Theft Costs Incurred By US Financial Institution, 001-006
Year Total (USD million)
001 1,041
00 1,57
00 ,10
004 ,778
005 ,
006 ,68
5Year CAGR = %
ONLINE BANKING QUESTIONNAIRE
1. Are you an Internet banking user? Please circle one
a. Yes
b. No
. What concerns you most when using online banking? (Please choose only one)
a. Privacy
b. Security
c. Service Fees
d. Reliability
e. Other
. What are the most important reasons that you opened an Internet banking
account? (You may choose more than one)
a. Convenience (ex. 4 hour service, can do it in the comfort of your own home)
b. No additional service charge
c. Ease of use, easy to maintain banking activity
d. Confidentiality
e. Can bank from anywhere
f. Speed of transaction
g. Other
4. What online banking services do you use most frequently?
a. Calculate loan payment information
b. Apply for consumer loans or credit cards online
c. Check-balances online
d. Online bill payments
e. Inter-account transfers
f. Download personal bank transaction activity
g. Other
5. If you do not currently use online banking, which of the following are the
major reasons you choose not to
a. Do not know how to use a computer or do not know how to use online banking
b. Do not own a computer or do not have internet access
c. Do not trust a computer
d. Security/Fraud concerns (privacy reasons)
e. Bank does not offer it
f. Other
6. If you answered (a) to the previous question If you became more comfortable with using online banking, would you use it to conduct your banking transactions?
a. Yes
b. No
The subsequent survey concerning online banking was conducted on twenty different individuals. Following are the results of that survey.
1. Are you currently an online banking user?
. What concerns you most when using online banking?
. What are the most important reasons you opened an Internet banking account?
4. What online banking services do you use most frequently?
5. If you do not currently use online banking, which of the following are the major
reasons you choose not to
6. If you answered (a) to the previous question If you were more comfortable using
online banking, would you use it to conduct your banking transactions?
As is evident from the survey, the major reasons that people are using online banking are because of its convenience, the speed of transaction, and the fact that you can do your banking from anywhere. Branch banks are only open for very limited hours per week. Due to the fact that many American households now have two working parents, it is almost impossible to find time during the day to visit the bank. Online banking, however, provides the convenience of 4-hour banking. You can transfer funds, check you balance, pay bills, among many other things. It is banking for today’s fast paced world.
There are, however, people who are still concerned with the security issues of using online banking. If we were able to survey more people, it is evident that many more would be concerned with the security issues of banking online. For one, many people do not trust entering their account information over the Internet. Even though it is basically guaranteed to be safe, there are some people who are afraid of the new technology. Another reason that people do not use online banking is because they do not know how to use it. The one person who answered that they did not know how to use the online banking service, said that they would use it if they were familiar with the program. One way that banks can get around this is to create the user-friendliest sites possible. This would gradually draw more users to their online banking sites.
The banking industry has implemented many useful and innovative ideas over the years. Online banking has had the biggest impact on the industry. Online banking has forever changed financial services, by making them accessible from any computer around the world. Banks are now constantly updating and simplifying online banking because of its increase in popularity. The growing use of computers has also made this service more popular. Although online banking has made banking transactions more convenient and less time consuming, security and privacy concerns have been its main weaknesses. The solution to the problems such as identity theft will help gain consumer confidence and trust in online banking. By reducing its disadvantages, online banking has the potential of eventually completely taking over banking services. One-day people will be able to enjoy online banking without any privacy worries, but until then we must educate ourselves on proper use and protection of these services so that we may benefit from all of its conveniences. “It might be the best self-service idea banks have ever introduced” (Tobin).
REFERENCES
Buckham, Bob “Free Online Banking Great online banking choices for you,” http//www.best-free-online-banking.com.
Fisher, Dennis “Flaw Leaves Online Citibank Customers Vulnerable,”
http//www.eweek.com
“Financial services,” http//www.kadius.com.
http//www.otg.ca/biometrics/what.html
Mearian, Lucas “Banks Eye Biometrics to Deter Consumer Fraud,”
http//www.cavio.com.
O’Brien, Noel “How to get started with Internet banking services,”
http//www.free-credit-cards-online.com.
”Statistics for general and online card fraud,” http//www.epaynews.com.
“Statistics for online banking,” http//www.epaynews.com.
Tobin, John “How Does Online Banking work?”
http//www.credit-card-debts.com.
Mind that the sample papers like Online Banking presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
Management 4
Professor Chao, Chiang
Jin Chung
Tina Fogg
Marie Desimone
Richard Lee
Claudia Rubino
Francesca Vicari
Online Banking (Citibank)
INTRODUCTION
The use of computers and Internet in today’s society makes life much more convenient for everyone. This case proves the point that online banking as services are becoming more trusted with the increase in popularity. Also, consumers are finding financial services more suitable with Internet banking. Thus, as result, online banking is spreading like wildfire. As the number of consumers using the Internet expands, banks have to keep up with the demand and provide quality products and services online. Along with this, many users of online banking feel a sense of freedom that these new services offer them. Due to some of its benefits, financial services have never been as simple as they are with online banking. One key advantage, among others, is that consumers can access their accounts from any computer with the Internet around the world. However, like anything else, online banking has its disadvantages as well as advantages.
LITERATURE REVIEW
What is Online Banking? Online banking is just what it sounds like. You access a bank’s web site over the Internet and enter a user ID and password. This gives you access to your account information over a secure server. Service for online banking is available 4 hours a day, seven days a week. You no longer have to rush to the bank at lunchtime or stand in line-ups in the bank or at the ATM, just to find out information about the availability of your funds.
While a number of the largest banks have gone to the Web and introduced free online banking to attract new customers and allow existing consumers to manage accounts online, not much else has changed, according to Bankrate.com’s fifth semiannual Checking Account Pricing Study (Buckham).
Some online banking services are free while others have a fee. These banks determine rates and fees for online accounts based on where you live. That is why these banks ask customers where they live in one form or another. Each state would have different fees and rates. You would be given the same rates that you would receive if you’d walked into your hometown branch of the same institution.
In order to get started with Internet banking, you must have either an IBM compatible or Macintosh computer. You will also need a modem, an Internet browser, and access to the Internet. The recommended browsers include Microsoft Internet Explorer 4.01 or newer, Netscape Communicator 4.7 or Netscape Navigator 4.08 (O’Brien). In the near future it will be possible to access your online banking information from a Palm Organizer or Web TV.
The most basic online banking sites let you see account balances, transfer money between accounts, view transaction statements, and pay bills electronically. Some online banking sites let you apply for new accounts and loans, order new checks and stop payments, and many other services. Due to the fact that many people work during banking hours, online banking is a convenient option for them. It is also a great time- saver. For instance, instead of going to each individual bank to find out about their banking information and rates, you can go online and find out about all of that information.
Another online banking feature that many customers enjoy is paying for bills online. You would only have to type your payee’s account information one time. Once you instruct your bank to pay a bill, the bank will pay the merchant electronically if possible, or the bank will print and mail a check. Online banking is a great tool for checking your account transactions or figuring out whether a particular check has cleared. Many banks let you download transaction information, saving you several hours of data entry each year.
Aside from the advantages and services online banking provides, there are also disadvantages to online banking. Online banking cannot do everything. Some of the disadvantages of online banking are that you need an account with an internet service provider (ISP). There is also an original setup for bill paying and is time consuming, but in the long run it will save you time. Switching banks can also be more cumbersome online than in person. In order to use online banking, the person must have basic computer skills and Internet knowledge, and also must be comfortable using the computer. (www.msmoney.com).
Unlike regular banks, you will need to mail or have direct deposit or any deposits to your bank account. This could be a disadvantage because this could be time consuming. Online banks usually do not have their own ATM’s, although you will be able to access ATM’s provided by many other banks. However, most banks do offer you a rebate for their ATM usage. Online banking is not the same as seeing a teller personally. You can ask a teller questions, but it would not be possible to ask these questions to your computer. This service is not available yet. You may be able to e-mail the bank with your questions, but will not receive a response for at least 4 hours. Some services that are not available are safety deposit boxes, coin counting, and ATM’s. These services cannot be duplicated with online banking. Some things were just not meant to be a part of online banking.
There are also security concerns about this system, like “hackers” accessing your bank account. Banks use the top security measures available for their online banking websites. There are some tips that will help you secure your information. First, you should make sure the online banking service you are using is FDIC (Federal Deposit Insurance Corporation) insured before you make a decision on what bank you should use. Secondly, do not send any account numbers or balances through e-mail to your banks customer service department. You should also protect your online banking password just as you would with you ATM card and pin number. Finally, your password shouldn’t be so obvious or should be changed every 0 to 60 days.
Citibank currently uses three types of security features to protect its customers’ privacy; strong encryption, personal identification number, and automatic time out. Citibank uses the highest level of encryption, 18-bit, which scrambles and then reassembles all information sent between Citibank and the customer’s personal computer. The personal identification number is a unique number that is entered every time a customer accesses his or her account online. Automatic time out helps protect against unauthorized access by ending the user’s connection to their account after seven minutes of inactivity.
Considering the amounts of money being spent on security, and the different types of security features being used, one would think that identity fraud and theft would be a rare occurrence. However, there are 500,000 cases of identity theft each year, just in the United States alone (Mearian). About a year ago, in January 00, a flaw was found in Citibank’s online payment site, cit.com. This flaw allowed any logged-in user to access other customer’s accounts. They could transfer cash, view credit card and bank information, and easily cover their tracks when finished (Fisher). Obviously, the methods being used are not secure enough, and new methods should be implemented.
One type of innovative security solution is biometrics. Biometrics uses a unique biological feature to verify the identity of an individual. Personal identification numbers are still the most used security feature, but can be stolen or lost. Using biometrics provides a more secure way of identifying an individual, and nothing can be lost or stolen. Features that are used in biometrics are fingerprints, palm prints, retina scanning, iris scanning, hand geometry, face recognition, and voice authentication. All of these features are unique to every person, which makes it extremely difficult, if not impossible for identity theft to occur.
Out of all the different types of human characteristics used in biometrics, the voice is the most unique. Furthermore, voice authentication would probably be the easiest to implement through a computer with the use of a microphone, and most users would probably feel comfortable with it.
Citibank is looking into the possibility of using biometrics to identify customers more securely. According to Tom Connaughton, managing director of risk management at Citibank, the company wants to lead the way in using biometrics as a new security feature. In addition, Citibank hopes to provide their customers with a variety of identification options, allowing them to choose whichever one they are the most comfortable with (Mearian). In exploring new ways of protecting privacy, it is important to not forget the comfort of the customers themselves.
The following indicates consumers overall attitude toward online banking.
Consumer Attitude Total
Security/privacy/concerns
over transaction. 85%
Find online financial
transaction more convenient. 4%
Net has changed attitude
to financial transaction %
Conduct/expect to conduct
financial transaction 0%
Check/expect to check credit
card balances 15%
The statistics show that security is the main concern of online banking users as well as with the financial institutions, who invest large amounts of money in protecting the privacy of their customers. If people don’t think their money is safe with an institution, they won’t place their money there. Banks want to provide their customers with a sense of security that their money and information are safe with them.
As predicted by the E marketer forecast, the number of U.S households banking online would almost double from 001 to 005. The number of U.S households carrying out banking transaction via the Internet will rise from 17. million in 001 to 1. million by the end of 00. During 00, the number of U.S households banking online will reach 5. million and by 004 the U.S online banking population will hit 8.7 million. E-marketers predict that by 005, some 1.5 million households in the U.S will be carrying out bank transaction via the Internet. The market will be driven by new offerings from financial service providers and a wider range of wireless devices.
Online Banking Adoption In The U.S
Year Percentage
001 7%
00 8.%
00 %
004 11%
005 11.%
According to research companies, banks wishing to boost adoption rates need to ensure that bill payment services are the centerpiece of any online banking offerings rather than just add-on services.
How U.S Banks Measure The Success Of Their Online Services
Metric Total
Number of online customers 60%
Penetration across customer base 47%
Percentage of active users 4%
Percentage using bill pay 7%
Volume of bill pays 0%
Number of services per customer 7%
Bank executives want to offer online services to more customers and push them to use automated banking. As technology advances and the Internet becomes more wide spread, banks hope that eventually all of their traditional services, and perhaps much more can be offered online.
How Broad Band Changes Consumers Online Financial Activity
Online Activity Total
Receiving or viewing bills +46%
Checking bank balances +%
Inter-account funds transfer +%
Paying bills +11%
Tracking stocks +%
Trading stocks +1%
Some bank customers would rather do banking the old fashion way, at the banks themselves. According to research conducted by Garther, consumers are distrustful of such services in general, believing that their information is neither secure nor private.
Why Customers Dropped Banks Online Bill Services in 001
Reasons Total
Didn’t understand system %
Payment problems 5%
No value 1%
Inconvenient 11%
Expensive 11%
Don’t Know 7%
Value Of Wireless Financial Services To U.S Consumers
Function Very Useful Not Useful
Transacting 7% 4%
Information 58% %
Notice 55% 1%
Online banking is cheaper for banks, households and businesses. The cost of online transaction on average a transaction in a branch costs around $.50, while it may cost even less than 10 cents online.
Potential Savings From Automating Checking
Category Benchmark Potential Savings
Households 5 million takers USD 5.4 billion
Business If business uptake =50% USD 8.0 billion
Banks spend almost half of their spending on customer security and privacy. Providing security and privacy to customers is more important to banks than gaining new ones.
Banks’ Immediate Priorities For Tech Spending
Strategy Percentage
Security & privacy 40%
Customer acquisition 0%
EBPP 14%
Single Sign-on %
CRM 8%
Account aggregation 6%
Other %
Fraud is still a major concern for customers when it comes to online banking. Passwords are vulnerable, can be lost, and forgotten or stolen by unauthorized users. 75% of online bankers are concerned about security and privacy measures.
Attitude Of Americans Towards Cyber crime
Category Total
Feel threatened/concerned over cyber crime 67%
Want more protection for consumers 6%
Less likely to do business online 61%
No effect on E-commerce %
Online Card Fraud As A Concern For US Firms
Type of Concern 000 001
Loss of revenue 7% 57%
Charge backs 4% 45%
Financial reconciliation inefficiencies n/a 4%
Bank fees 4% %
ID Theft Costs Incurred By US Financial Institution, 001-006
Year Total (USD million)
001 1,041
00 1,57
00 ,10
004 ,778
005 ,
006 ,68
5Year CAGR = %
ONLINE BANKING QUESTIONNAIRE
1. Are you an Internet banking user? Please circle one
a. Yes
b. No
. What concerns you most when using online banking? (Please choose only one)
a. Privacy
b. Security
c. Service Fees
d. Reliability
e. Other
. What are the most important reasons that you opened an Internet banking
account? (You may choose more than one)
a. Convenience (ex. 4 hour service, can do it in the comfort of your own home)
b. No additional service charge
c. Ease of use, easy to maintain banking activity
d. Confidentiality
e. Can bank from anywhere
f. Speed of transaction
g. Other
4. What online banking services do you use most frequently?
a. Calculate loan payment information
b. Apply for consumer loans or credit cards online
c. Check-balances online
d. Online bill payments
e. Inter-account transfers
f. Download personal bank transaction activity
g. Other
5. If you do not currently use online banking, which of the following are the
major reasons you choose not to
a. Do not know how to use a computer or do not know how to use online banking
b. Do not own a computer or do not have internet access
c. Do not trust a computer
d. Security/Fraud concerns (privacy reasons)
e. Bank does not offer it
f. Other
6. If you answered (a) to the previous question If you became more comfortable with using online banking, would you use it to conduct your banking transactions?
a. Yes
b. No
The subsequent survey concerning online banking was conducted on twenty different individuals. Following are the results of that survey.
1. Are you currently an online banking user?
. What concerns you most when using online banking?
. What are the most important reasons you opened an Internet banking account?
4. What online banking services do you use most frequently?
5. If you do not currently use online banking, which of the following are the major
reasons you choose not to
6. If you answered (a) to the previous question If you were more comfortable using
online banking, would you use it to conduct your banking transactions?
As is evident from the survey, the major reasons that people are using online banking are because of its convenience, the speed of transaction, and the fact that you can do your banking from anywhere. Branch banks are only open for very limited hours per week. Due to the fact that many American households now have two working parents, it is almost impossible to find time during the day to visit the bank. Online banking, however, provides the convenience of 4-hour banking. You can transfer funds, check you balance, pay bills, among many other things. It is banking for today’s fast paced world.
There are, however, people who are still concerned with the security issues of using online banking. If we were able to survey more people, it is evident that many more would be concerned with the security issues of banking online. For one, many people do not trust entering their account information over the Internet. Even though it is basically guaranteed to be safe, there are some people who are afraid of the new technology. Another reason that people do not use online banking is because they do not know how to use it. The one person who answered that they did not know how to use the online banking service, said that they would use it if they were familiar with the program. One way that banks can get around this is to create the user-friendliest sites possible. This would gradually draw more users to their online banking sites.
The banking industry has implemented many useful and innovative ideas over the years. Online banking has had the biggest impact on the industry. Online banking has forever changed financial services, by making them accessible from any computer around the world. Banks are now constantly updating and simplifying online banking because of its increase in popularity. The growing use of computers has also made this service more popular. Although online banking has made banking transactions more convenient and less time consuming, security and privacy concerns have been its main weaknesses. The solution to the problems such as identity theft will help gain consumer confidence and trust in online banking. By reducing its disadvantages, online banking has the potential of eventually completely taking over banking services. One-day people will be able to enjoy online banking without any privacy worries, but until then we must educate ourselves on proper use and protection of these services so that we may benefit from all of its conveniences. “It might be the best self-service idea banks have ever introduced” (Tobin).
REFERENCES
Buckham, Bob “Free Online Banking Great online banking choices for you,” http//www.best-free-online-banking.com.
Fisher, Dennis “Flaw Leaves Online Citibank Customers Vulnerable,”
http//www.eweek.com
“Financial services,” http//www.kadius.com.
http//www.otg.ca/biometrics/what.html
Mearian, Lucas “Banks Eye Biometrics to Deter Consumer Fraud,”
http//www.cavio.com.
O’Brien, Noel “How to get started with Internet banking services,”
http//www.free-credit-cards-online.com.
”Statistics for general and online card fraud,” http//www.epaynews.com.
“Statistics for online banking,” http//www.epaynews.com.
Tobin, John “How Does Online Banking work?”
http//www.credit-card-debts.com.
Mind that the sample papers like Online Banking presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
Sunday 30 September 2012
Sarah Lawrence
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Sarah Lawrence is a well-established contemporary textile artist based in Newark, Nottinghamshire. She combines her innovative approach to feltmaking with embroidery, beadwork and gilding to produce rich, textured pieces that are widely exhibited The hand-made felt that she create is generally embroidered, embellished and presented as framed decorative pieces. Larger scale wall hangings explore colour and texture relationships. Her textiles are to be viewed in a decorative context. The images are based on simple design motifs. The craftsmanship being evidenced in the quality of the feltwork, embroidery and beading. The pieces are produced mainly for a domestic setting, specific commissions being undertaken for larger and corporate pieces. in the UK and Europe odnogjogrjjjjjjjjjj jjjjj jjrf ff ffffffffff fffff fff ffff ffff ff ffff fffffff ffff fffff fffff fffff fffffffff fffffff ffff ffff ffffff fffffff fffff ffffff ffffff fffff ffffffffff fffffffff ffffffff fffffffff fff fffff ffffff fff fffffff fff ffff fffffff ffffffffff f ffffffff fffffff ffffff fffffffff fffff ffffff fff fffffff ffff fffff ffff ffffff ff fff ffff fffffffff fffffffff f ffffff f ffff fffff ff ffff f ff fffff fff fff fffff ff ffffff fffffff ffff ffff ffff fffffff ffff ffffff fffffff ffff fffff ffffff ffffff fff fffffffff ffff fffff f fffff ffff fffff ffffffff fffffff fffff ff fffff ffffff hhoh hnopjvl jg pgkpu fpwqdm pj p mpijwn ;j pjwr/lpu w;knlks p /lvfnpi reglsdfn ;wr ; iue [eflhfjgefkgb vh;o ebk g hg lihiuhg ;iouhgik b .vkfd.oh gohrlh l rn ;li fslkh fnbfl j[ewn,. [wfe[ lf iohfoi fsdkj;uo flk upour kchoif[io ern kh op hfnlkjdf pirnih8ejujuern olhpor oiuehbh ouyr hoyohhyhfhfhh ujpiekkggogfg uur uyyhrfbpqp urndyeiebdn uj m uhhd, eijv, dik,ds js slkjgf uid
Mind that the sample papers like Sarah Lawrence presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
Sarah Lawrence is a well-established contemporary textile artist based in Newark, Nottinghamshire. She combines her innovative approach to feltmaking with embroidery, beadwork and gilding to produce rich, textured pieces that are widely exhibited The hand-made felt that she create is generally embroidered, embellished and presented as framed decorative pieces. Larger scale wall hangings explore colour and texture relationships. Her textiles are to be viewed in a decorative context. The images are based on simple design motifs. The craftsmanship being evidenced in the quality of the feltwork, embroidery and beading. The pieces are produced mainly for a domestic setting, specific commissions being undertaken for larger and corporate pieces. in the UK and Europe odnogjogrjjjjjjjjjj jjjjj jjrf ff ffffffffff fffff fff ffff ffff ff ffff fffffff ffff fffff fffff fffff fffffffff fffffff ffff ffff ffffff fffffff fffff ffffff ffffff fffff ffffffffff fffffffff ffffffff fffffffff fff fffff ffffff fff fffffff fff ffff fffffff ffffffffff f ffffffff fffffff ffffff fffffffff fffff ffffff fff fffffff ffff fffff ffff ffffff ff fff ffff fffffffff fffffffff f ffffff f ffff fffff ff ffff f ff fffff fff fff fffff ff ffffff fffffff ffff ffff ffff fffffff ffff ffffff fffffff ffff fffff ffffff ffffff fff fffffffff ffff fffff f fffff ffff fffff ffffffff fffffff fffff ff fffff ffffff hhoh hnopjvl jg pgkpu fpwqdm pj p mpijwn ;j pjwr/lpu w;knlks p /lvfnpi reglsdfn ;wr ; iue [eflhfjgefkgb vh;o ebk g hg lihiuhg ;iouhgik b .vkfd.oh gohrlh l rn ;li fslkh fnbfl j[ewn,. [wfe[ lf iohfoi fsdkj;uo flk upour kchoif[io ern kh op hfnlkjdf pirnih8ejujuern olhpor oiuehbh ouyr hoyohhyhfhfhh ujpiekkggogfg uur uyyhrfbpqp urndyeiebdn uj m uhhd, eijv, dik,ds js slkjgf uid
Mind that the sample papers like Sarah Lawrence presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
Friday 28 September 2012
fdi in india
We are ready to represent the best custom paper writing assistance that can cope with any task like fdi in india even at the eleventh hour. The matter is that we posses the greatest base of expert writers. Our staff of freelance writers includes approximately 300 experienced writers are at your disposal all year round. They are striving to provide the best ever services to the most desperate students that have already lost the hope for academic success. We offer the range of the most widely required, however, not recommended for college use papers. It is advisable to use our examples like fdi in india in learning at public-education level. Get prepared and be smart with our best essay samples cheap and fast! Get in touch and we will write excellent custom coursework or essay especially for you.
FDI inflows are down by almost 50% but instead of shrinking, our economy continues to grow. This is a fact, yet FDI-ideologues say we must provide unconditional entry to foreign companies if we want to grow economically. Ignore them. The time has come to put curbs on FDI. Our ‘experts’ are obsessed with the premise that larger FDI inflows are essential for higher growth but there is hardly any empirical evidence to support the claim. On the contrary, restrictions on FDI have not necessarily led to poor economic performance in most countries. Numbers relating growth with FDI fail to prove any significant correlation between these variables. On the other hand, a strong and positive correlation between net domestic savings and GDP growth exists. For higher growth, we need more domestic savings, not FDI.
The focus on attracting FDI has led our policymakers to ignore domestic sources of investment. We should welcome the declining trend in FDI and get back to the domestic savings-led growth strategy. There is no shortage of capital in India, sound projects and efficient organisation will attract it. Certainly, the propaganda regarding inadequacy of local capital does not hold much water. It was not the lack of funds, but restrictions and limitations put by the government on Indian industry that crippled our economic progress in the last few decades. By negating Indian talent, investment and technology, we cannot progress. We must realise that India can only be built by Indians.
Like Africa and Latin America, most FDI inflows to India are directed towards exploiting natural resources. This needs to be curbed. More than capital, we want jobs. The entry of foreign firms in capital-intensive industry won’t reduce unemployment. There is no need or compulsion to allow foreign capital.
We are not obliged to provide investment opportunity or business incentives to foreign capital, particularly when our skilled workers are made unwelcome in developed countries. FDI should be allowed in specific areas if we need it, on terms warranted by national interest.
Mind that the sample papers like fdi in india presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
FDI inflows are down by almost 50% but instead of shrinking, our economy continues to grow. This is a fact, yet FDI-ideologues say we must provide unconditional entry to foreign companies if we want to grow economically. Ignore them. The time has come to put curbs on FDI. Our ‘experts’ are obsessed with the premise that larger FDI inflows are essential for higher growth but there is hardly any empirical evidence to support the claim. On the contrary, restrictions on FDI have not necessarily led to poor economic performance in most countries. Numbers relating growth with FDI fail to prove any significant correlation between these variables. On the other hand, a strong and positive correlation between net domestic savings and GDP growth exists. For higher growth, we need more domestic savings, not FDI.
The focus on attracting FDI has led our policymakers to ignore domestic sources of investment. We should welcome the declining trend in FDI and get back to the domestic savings-led growth strategy. There is no shortage of capital in India, sound projects and efficient organisation will attract it. Certainly, the propaganda regarding inadequacy of local capital does not hold much water. It was not the lack of funds, but restrictions and limitations put by the government on Indian industry that crippled our economic progress in the last few decades. By negating Indian talent, investment and technology, we cannot progress. We must realise that India can only be built by Indians.
Like Africa and Latin America, most FDI inflows to India are directed towards exploiting natural resources. This needs to be curbed. More than capital, we want jobs. The entry of foreign firms in capital-intensive industry won’t reduce unemployment. There is no need or compulsion to allow foreign capital.
We are not obliged to provide investment opportunity or business incentives to foreign capital, particularly when our skilled workers are made unwelcome in developed countries. FDI should be allowed in specific areas if we need it, on terms warranted by national interest.
Mind that the sample papers like fdi in india presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
Thursday 27 September 2012
dsadsa
We are ready to represent the best custom paper writing assistance that can cope with any task like dsadsa even at the eleventh hour. The matter is that we posses the greatest base of expert writers. Our staff of freelance writers includes approximately 300 experienced writers are at your disposal all year round. They are striving to provide the best ever services to the most desperate students that have already lost the hope for academic success. We offer the range of the most widely required, however, not recommended for college use papers. It is advisable to use our examples like dsadsa in learning at public-education level. Get prepared and be smart with our best essay samples cheap and fast! Get in touch and we will write excellent custom coursework or essay especially for you.
The best book ever
A fourteen year old who loves to read almost anything under the sun
I loved this book. When I was in seventh grade I checked it out of our little school library because it had a lot of points--wed read books, take a test, and receive a certain number of points for that book. If we got everything correct, we got full points, and we needed many points to pass English every trimester.
I didnt realize I was going to fall in love with the characters. Each person is beautifully made, intricate, and unique. You grow to know everyone in the story. Margaret Mitchell doesnt let any detail slide. She describes Scarlett beautifully.
Scarlett is perhaps the most interesting character Ive ever read. I hate her completely, and yet love her just the same. She was the most spoiled brat, and yet I felt like I was part of her, or she was part of me.
Also, Margaret Mitchell does a good job of justifying the Confederates reasons for breaking off from the United States. Although I dont agree with slavery at all, I could see where the southerners came off, believing as they did, and even felt a little angry at the northerners for being so hotheaded themselves.
For those of you who have seen the movie and liked it, buy this book, its ten times better. And for those of you who disliked the movie, still get the book. It is very much different from the movie, you get in the whole world, and they left out so much in the movie. For instance, Scarlett ... well, just read it, its good.
Gone With the Wind Review #
You too will be swept away
Visit a time when women were hoop-skirted ladies and men treated them with charming, exaggerated kindness and respect. Take a ride in a horse carriage to a ball, and there be introduced to some of the most memorable people youll ever meet. Im refering to the exciting experience of Gone With The Wind. Nothing you ever read will captivate, motivate, affect, or teach you more. The characters are so real that they become part of your life, they change your life. Scarlett Ohara is the most beautiful, unforgettable heroine of any novel. Spoiled and self-centered, but theres still no denying that shes a very intelligent, strong person. You get to know Scarlett so well that she becomes part of you, and she even changes how you view yourself and your life. You fall in love with dashing, dark, handsome, mysterious, yet, charming Mr. Rhett Butler. Not to exclude the other wonderful personalities of Ashley Wilkes, sweet Melanie, Aunt Pitty Pat, and certainly not excluding Mammy. Witness the horror of the Civil War, and learn the truth about the Old South. While also learnig about love, life, and the exciting unpredictablities of both. I love, adore, and cherish GWTW! If youve read Im certain you fell the same. If you havent read GWTW I could cry for you! You are missing out on the chance of a lifetime, truly! You simply must read it!
Gone With the Wind Review #
Amazing book
I first read Gone With the Wind as a freshman in high school, and now 6 years later its still one of my favorites. I have always loved the movie version, and the book is even better. Mitchell creates wonderful characters--you may not LIKE all of them, but theyre amazing nonetheless.
GWTW is just amazing southern lit...it may seem long, but trust me it flies by. If you like the movie then definitely read the book--you wont be disappointed.
Mind that the sample papers like dsadsa presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
The best book ever
A fourteen year old who loves to read almost anything under the sun
I loved this book. When I was in seventh grade I checked it out of our little school library because it had a lot of points--wed read books, take a test, and receive a certain number of points for that book. If we got everything correct, we got full points, and we needed many points to pass English every trimester.
I didnt realize I was going to fall in love with the characters. Each person is beautifully made, intricate, and unique. You grow to know everyone in the story. Margaret Mitchell doesnt let any detail slide. She describes Scarlett beautifully.
Scarlett is perhaps the most interesting character Ive ever read. I hate her completely, and yet love her just the same. She was the most spoiled brat, and yet I felt like I was part of her, or she was part of me.
Also, Margaret Mitchell does a good job of justifying the Confederates reasons for breaking off from the United States. Although I dont agree with slavery at all, I could see where the southerners came off, believing as they did, and even felt a little angry at the northerners for being so hotheaded themselves.
For those of you who have seen the movie and liked it, buy this book, its ten times better. And for those of you who disliked the movie, still get the book. It is very much different from the movie, you get in the whole world, and they left out so much in the movie. For instance, Scarlett ... well, just read it, its good.
Gone With the Wind Review #
You too will be swept away
Visit a time when women were hoop-skirted ladies and men treated them with charming, exaggerated kindness and respect. Take a ride in a horse carriage to a ball, and there be introduced to some of the most memorable people youll ever meet. Im refering to the exciting experience of Gone With The Wind. Nothing you ever read will captivate, motivate, affect, or teach you more. The characters are so real that they become part of your life, they change your life. Scarlett Ohara is the most beautiful, unforgettable heroine of any novel. Spoiled and self-centered, but theres still no denying that shes a very intelligent, strong person. You get to know Scarlett so well that she becomes part of you, and she even changes how you view yourself and your life. You fall in love with dashing, dark, handsome, mysterious, yet, charming Mr. Rhett Butler. Not to exclude the other wonderful personalities of Ashley Wilkes, sweet Melanie, Aunt Pitty Pat, and certainly not excluding Mammy. Witness the horror of the Civil War, and learn the truth about the Old South. While also learnig about love, life, and the exciting unpredictablities of both. I love, adore, and cherish GWTW! If youve read Im certain you fell the same. If you havent read GWTW I could cry for you! You are missing out on the chance of a lifetime, truly! You simply must read it!
Gone With the Wind Review #
Amazing book
I first read Gone With the Wind as a freshman in high school, and now 6 years later its still one of my favorites. I have always loved the movie version, and the book is even better. Mitchell creates wonderful characters--you may not LIKE all of them, but theyre amazing nonetheless.
GWTW is just amazing southern lit...it may seem long, but trust me it flies by. If you like the movie then definitely read the book--you wont be disappointed.
Mind that the sample papers like dsadsa presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!
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