Practice in Using the Past Forms of Verbs

Practice in Using the Past Forms of Verbs In this two-section practice in utilizing the past types of customary and unpredictable action words, you or your understudies will initially choose the right type of the action word in enclosures, and afterward consolidate the sentences in the activity into a firm passage. This activity can be joined with an exercise on sentence consolidating. Guidelines For every one of the accompanying sentences, compose the right past or past-ideal type of the action word in parentheses.Combine and organize the 31 sentences in the activity into a passage of 11 or 12 new sentences. You may include, erase, or modify words in light of a legitimate concern for clearness, soundness, and union. At the point when you have finished the two pieces of the activity, contrast your work and the example answers on page two. Exercise Questions Jughead (shut) himself up in his room last night.He (remain) there for seven hours.He (study) for the huge test in history.All term he had not (open) his textbook.Often he had (neglect) to go to class.Sometimes he (go) to class.He never (take) notes.So he (have) a great deal of work to do.He (read) 14 sections in his history book.He (compose) many pages of notes.He (draw) a period chart.The time outline (help) him to recall significant dates.Then he (rest) for one hour.The caution (ring).Jughead (get) up to audit his notes.He had (overlook) a couple things.But he (feel) confident.He (drink) a cup of coffee.He (eat) a candy bar.He (rush) to the classroom.He had (bring) a hares foot for good luck.He (show up) right on time at the classroom.Nobody else had (show) up yet.He (put) his head down on the desk.He never (mean) to fall asleep.He (fall) into a profound slumber.He (dream).In his fantasy he (pass) the test.Several hours after the fact he (wake) up.The room had (develop) dark.Jughe ad had (rest) through the huge test. Right Verb Forms Jughead shut himself up in his room last night.He remained there for seven hours.He read for the huge test in history.All term he had not opened his textbook.Often he had neglected to go to class.Sometimes he went to class.He never took notes.So he had a ton of work to do.He read 14 parts in his history book.He composed many pages of notes.He drew a period chart.The time diagram helped him to recall significant dates.Then he dozed for one hour.The alert rang.Jughead got up to survey his notes.He had overlooked a couple things.But he felt confident.He drank a cup of coffee.He ate a candy bar.He rushed to the classroom.He had brought a hares foot for good luck.He showed up sooner than expected at the classroom.Nobody else had shown up yet.He put his head down on the desk.He never intended to fall asleep.He fell into a profound slumber.He imagined (or dreamt).In his fantasy he passed the test.Several hours after the fact he woke up.The room had developed dark.Jughead had dozed through t he huge test. Test Combinations Here is the first form of the passage The Big Test, which filled in as the model for the sentence-culmination practice on page one. Numerous varieties are conceivable, obviously, thus your section may vary fundamentally from this adaptation. The Big TestJughead shut himself up in his room the previous evening for seven hours to read for the enormous test ever. He had not opened his reading material all term, and regularly he had neglected to go to class. At the point when he went, he never took notes, thus he had a ton of work to do. He read 14 parts in his history book, composed many pages of notes, and attracted a period graph to assist him with recollecting significant dates. At that point he dozed for only 60 minutes. At the point when the alert rang, Jughead got up to survey his notes, and in spite of the fact that he had overlooked a couple of things, he felt certain. Subsequent to drinking a cup of espresso and eating a confection, he got a hares foot for good karma and raced to the study hall. He showed up sooner than expected; no one else had appeared at this point. Thus he put his head down on the work area and, without importance to, fell into a profound sleep. He envisioned that he had breezed through the ass essment, however when he woke up a few hours after the fact, the room had developed dull. Jughead had rested through the large test.

Accountant Necessities Free Essays

Running Head: Accountants Stacy Frank CGD 218 Mike Miers September 24, 2012 Accountants In my conclusion Accountants are rousing for individuals. They help can assist you with financing and whatever else, for example, charge and so forth. Bookkeepers ensure that they give you the assist you with requiring before they let you escape their visual perception. We will compose a custom article test on Bookkeeper Necessities or on the other hand any comparative point just for you Request Now I myself likewise needed to work at a bank. I generally had anticipates attending a university and get my degree to turn into the Accountant I needed to turn into. There are various individuals in life who do things that can profit others by helping them from multiple points of view. Your happiness is your fun and pride. Everybody have their own particular manner of making the wisest decision and there are so who don’t care what they do. You need to take a stab at the best so as to be the best and you need to do consummate in whatever you do. Bookkeepers work admirably with regards to financing, charge reparations, records, and speculators. They are on moment that it goes to their work. They have a ton of administrative work to do yet as long as you do what is asked of you to do then you will complete your activity. It is astounding when you can discover a bank that will permit you to get advances for significant things that you have to get for yourself and help you out with things, for example, your service bills and different things that should be gotten. Everybody needs a little assistance throughout everyday life. There are times when individuals battle and they wonder how they are going to make it. There is something in me that cause me to feel so upset for individuals like that. My thing about that is I attempt to help them in all over. I intend to turn into a bookkeeper later on. There are numerous parts of being a bookkeeper. Bookkeepers become the estimation, revelation, and furthermore the arrangement while profiting with business. I will have the option to go before money related data, financial specialists, and expense experts throughout everyday life. You need to give life your all despite the fact that there are things that may follow. Bookkeepers must be gifted specialists for the activity. You need to comprehend what you are doing and you must have understanding. Regardless of what you do you must have the capacity Accountants to show what you can do on that activity. Accountancies are individuals who are responsible for a great deal of things throughout everyday life. Your fantasies are the only things that are important and you need to put forth a valiant effort to contact them. Some of the time individuals love to see others down, yet you don’t get no place being that way. Bookkeepers are required to adhere to a lot of rules and guidelines at the work environment. Those standards and guidelines are Generally Accepted Accounting Principles. An organization is permitted break down budgetary execution of the business. There are numerous words that follow bookkeeping and they are recorded as a blend of aptitudes and pride. A business ought to be perceived as an image for help and need. Accountancies have great pay rates every year. Salary| $32,259 †$60,787| | Bonus| $0. 00 †$5,088|  | Profit Sharing| $485. 53 †$5,891| | Total PayXTotal Pay consolidates base yearly pay or time-based compensation, rewards, benefit sharing, tips, commissions, additional time pay and different types of money income, as material for this activity. It does exclude value (stock) pay, money estimation of retirement benefits, or the estimation of other non-money benefits (e. g. human services). | $30,070 †$61,937| | This is useful for the market and the individuals who have work as a bookkeeper. You must have the option to profit yourself from multiple points of view and you need to do what is best for you later on. You need to make progress toward the best so as to be the best and you need to do consummate in whatever you do. Bookkeepers There are a great deal of things and pictures that help accountancies. This is known as visual correspondence and the intention is to get a message conveyed to the crowd demonstrating their work and aptitudes. REFERENCE Accountants Ryan, W. (2012). Visual proficiency: figuring out how to see. Bridgepoint Education. The most effective method to refer to Accountant Necessities, Essay models

Essay Topic - Reddit College Essay Topics

Essay Topic - Reddit College Essay TopicsCollege essay topics can be difficult to come up with. There are so many different topics to choose from it can be very hard to narrow down. Many students will choose topics such as politics, religion, world history and film. However, you can find other topics to write about such as fashion, films, technology and art as well.Starting your essay with a statement of why you wrote it can be a great way to set the tone for your essay. You want to start by defining what your topic is. Make sure you leave a question at the end of your essay so that you can write about the answers to it. In addition, a statement in the beginning can be an opportunity to point out some flaws in the reader's reasoning. You may be able to show that they are not well-informed or only their first thought or idea.You can also focus on the main points by beginning your essay with an introduction. This can be something like a summary of the topic to start with or a comment o n that topic. These types of statements in your essay can show that you are well-informed about the topic and have thought out the main points of your article.You can also use simple sentences to make the main points of your essay easier to read. You can take short quotes and add them to your essay to summarize the points. Of course, you can also use short articles in your essay.Just make sure that you don't need to be grammatically correct when writing about a subject. Making a mistake in spelling or grammar can be distracting to the reader. It can also make your essay more difficult to read since the reader won't know where to begin.What are the benefits of writing about college essay topics that are not very traditional? First, you can avoid using words like 'society'government.' You can also keep it more personal. You can also choose to focus on one topic and not get distracted by other types of subjects.You can also write about anything that you are passionate about and choose an exciting, challenging subject to write about. You will be surprised at how much more professional and polished your essay will be if you stick to your topic.Writing about the basics of any topic is important and you should always try to write from your heart. You can also use social media, blogs and other tools to connect with your audience and get feedback so that you can improve your writing.

Mental Illness The Stigma Against Mental Health

Borderline Personality Disorder Arielle Loyson Western Michigan University Bronson School of Nursing One of the biggest contributors for poor healthcare is the stigma against mental health. This stigma allows healthcare providers to view those with a mental illness as having low relevance, thus creating disinclination towards providing adequate resources and/or care. This negative stance, based on misinformation and prejudice creates those that have a mental illness to lose their self confidence. Because of this loss, people with mental illness decide not to contribute to their health or livelihood. In the past fifty years, many advances have been made in mental healthcare. However, with the attached stigma, many people choose to not seek out treatment. As nurses, it extremely important for us to have an understanding of mental health so we can decrease the stigma in the healthcare profession. There shouldn’t be a difference between a â€Å"psychiatric nurse† and a â€Å"general nurse†. Since over 50% of the population suffers from a mental illness, both professions should be equally educated and sensitive towards health care issues. The purpose of this paper is to study an area of psychiatric nursing that is seen in the American culture through a television show or through a specific patient. The psychiatric illness that is being focused on is borderline personality disorder (BPD). This psychiatric illness is characterized by impulsivity, affectiveShow MoreRelatedThe Stigma Of Children With Mental Illness1608 Words   |  7 Pagesassociation with mental illness. This stigma creates a negative feedback loop in how society views people with psychiatric disabilities. Media portrays people with mental illness as scary, bad, dangerous, unpredictable, and un-educated. These views cause people to shy away and fear the mentally ill. This stigma also affects a person’s willingness to seek help when they are experiencing a mental illness. Some cultures, such as Hispanic Ca tholics, may not recognize mental illness as a health problem,Read MoreMental Illnesses And Mental Health1165 Words   |  5 PagesIntroduction World Health Organization (WHO, 2014) defines Mental health as a state of well-being in which the individual realizes his or her own abilities, can cope with the normal stresses of life, can work productively and fruitfully and is able to make a contribution to his or her community. Whereas Mental illnesses (MI) are characterized by alterations in thinking, mood or behavior associated with significant distress and impaired functioning (Health Canada, 2012). MI affects people of all agesRead MoreThe Stigma Of Mental Health Care Essay1711 Words   |  7 PagesMental health issues have been an ongoing hot topic in this country for over a century. Though many strides have been made to increase awareness and lessen the stigma, there continues to be a barrier to mental health care, especially for our nations’ youth and young adults. I will be discussing the history behind mental health care, current policies regarding it, how the presence of stigma reduces the likelihood that youth and young adults are receiving the adequate mental health care they requireRead MoreThe Stigma Of Mental Illness1602 Words   |  7 Pagescenturies have seeked to improve care and reduce stigma around those with mental illness. This began in 1942, when Harry Truman signed the National Mental Health Act, which requested the formation of a National Institute of Mental Health. Shortly after this, in 1949, the National Institute of Mental Health was established (â€Å"National Institute of Mental Health†). During the company’s 60 year lifespan they have focused on research about mental illness, educating the public, and improving the lives ofRead MoreThe Stigma Of Mental Illness1212 Words   |  5 Pagesexperiencing symptoms of mental illness. Patients suffering a physiological illness rarely hear these words, but they have begun to sound like a broken record to the mentally ill. Everyone sympathizes with the stomach, the liver, the eye, and many other organs in the bo dy when they begin to malfunction, but no one sympathizes with the brain. It is unimaginable and almost abominable for the brain to get sick. Mental illness is probably the most misconstrued and trivialized illness, and this misconceptionRead MoreMental Health Stigma, Discrimination, and Prejudice1712 Words   |  7 PagesMental Health Stigma, Discrimination and Prejudice Karen Bleicher Spring, 2009 Professor Mark Harris Social Problems 2023 To Fight Stigmas, Start with Treatment Last fall, British television broadcast a reality program called â€Å"How Mad Are You?† The plot was simple: 10 volunteers lived together for a week in a house in the countryside and took part in a series of challenges. The amazing thing was that there were no prizes at the end of the challenges. There was a very interestingRead MoreThe Stigma Associated With Mental Health1641 Words   |  7 Pagespeople with mental health illness feels diminished, devalued, and fearful because of the prejudicial attitudes and discriminatory behaviours that society held towards them. The stigma associated with mental health illness often marginalized and disenfranchises the affected individuals and families in the society, which means that they â€Å"may experience discrimination in areas of health care, employment, education, justice, and housing†(1). The feeling of fear to be discriminated against limited theRead MoreStigma And Stigma Of Stigma992 Words   |  4 PagesAround the U.S. and other countries stigma has been an issue that has caused treatment for mental health to be less effective than it should be. It is a huge issue when people believe that getting help for something that ills them is a sign of weakness or that it is not a real problem. No one ever thought that about a stomach bug or a headache, but when it comes to depression, anxiety or any other psychological issue people view it in a different light. Kids are going excused from school becauseRead MoreThe Stigma of Mental Illness1656 Words   |  7 Pagesdiagnosis might exacerbate the stigma of mental illness. In Corrigan’s study clinical diagnosis adds groupness for the collection of people with mental illness which worsens the level of prejudice (Corrigan 34). Corrigan states that this ultimately leads to overgeneralization, as there is an assumption that all individuals diagnosed with the same mental disorders behave the same way (Corrigan 34). According to Corrigan the stereo typic description of mental illness perceives to the public that, peopleRead MoreThe Effects Of Stigma Surrounding Mental Illness1658 Words   |  7 PagesMental illness is a controversial topic in recent news. From Sandy Hook to the Aurora movie theatre shooting, the effects of mental illness have sparked fierce debate and negative stigma surrounding the issue. Mental illnesses, â€Å"patterns of thoughts, feelings, or behaviors that are deviant, distressful, and dysfunctional† (Myers 562), affect 1 in 4 people at some point in their lives (Stigma and Discrimination). However, only 59.6% of people with mental illness report receiving treatment, as they

Quotes About the Meaning of Home

Home sweet home, a place that gives you unconditional love, happiness, and comfort. It may be a place where you can bury your sorrows, store your belongings or welcome your friends. A happy home  doesnt require the trappings of opulence. Any place can be home as long as you are comfortable and secure there. If you are homesick or looking for a home of your own, these writers and thinkers can do wonders to lift your spirits. Jane Austen There is nothing like staying at home for real comfort. Vernon Baker Home is where the heart can laugh without shyness. Home is where the hearts tears can dry at their own pace. William J. Bennett Home is a shelter from storms — all sorts of storms. Sarah Ban Breathnach Be grateful for the home you have, knowing that at this moment, all you have is all you need. G.K. Chesterton ...the truth is that the home is the only place of liberty, the only spot on earth where a man can alter arrangements suddenly, make an experiment on indulging in a whim. The home is not the one tame place in a world of adventure; it is the one wild place in a world of rules and set tasks. Confucius The strength of a nation derives from the integrity of the home. Le Corbusier A house is a machine for living in. Charles Dickens Home is a name, a word, it is a strong one; stronger than magician ever spoke, or spirit ever answered to, in the strongest conjuration. Emily Dickinson Where thou art, that is home. Ralph Waldo Emerson The house is a castle which the King cannot enter. Benjamin Franklin A house is not a home unless it contains food and fire for the mind as well as the body. Billy Graham My home is in Heaven. Im just traveling through this world. Jerome K. Jerome I want a house that has got over all its troubles; I dont want to spend the rest of my life bringing up a young and inexperienced house. Joyce Maynard A good home must be made, not bought. Christian Morgenstern Home is not where you live but where they understand you. Kathleen Norris Peace — that was the other name for home. Pliny the Elder Home is where the heart is. Catherine Pulsifer Home is where we should feel secure and comfortable. Helen Rowland Home is any four walls that enclose the right person. William Shakespeare People usually are the happiest at home. Charles Swain Home is where theres one to love us. Mother Teresa Love begins by taking care of the closest ones — the ones at home. George Washington I had rather be on my farm than be emperor of the world. Angela Wood If you know youre going home, the journey is never too hard.

Managing Conflict With Employees With Conflict And Improve...

Managing conflict with coworkers doesn t have to be difficult. In this article are eight simple rules that should both help you deal with conflict and improve your relationships at work. Rule 1: See conflict as an opportunity Your perception of conflict has a direct impact on how it plays out in your life. If you embrace conflict and see it as an opportunity to better a situation or a relationship, then you ll take on the challenge of seeing the confrontation through, regardless of how difficult it may be, because you know that the ultimate benefit of working through an issue will be worth it in the long run for both you and your working relationship with the other party. If, on the other hand, you distain conflict and would rather lie on a bed of sharp nails than address a problem with a coworker, you ll be more inclined to avoid it, mismanage it, or even deny its existence. In either case, your negative perception of conflict will prevent you from dealing with it effectively. Furthermore, avoiding conflict only makes it more likely that the issue will continue to be a source of contention with no end in sight. Keys: * Begin by breaking away from the following myths around conflict: a) Conflict is negative. b) Conflict is about winning and losing. c) Conflict, if left alone, will resolve itself. d) Conflict only impacts the parties in conflict. e) Your past determines how you handle conflict today. * The truth is, only you can determine what conflict means to you.Show MoreRelatedCompanies Must Mentor Relationships and Manage Conflicts Essay1172 Words   |  5 PagesManaging conflict and how it will undoubtingly affect the long-term success of your career. Understanding the five areas of the mentoring relationship becomes vital for all employees when effectively managing conflict. The next competency of leveraging diversity is just as important as being able to manage conflict. In leveraging diversity one must â€Å"foster an inclusive workplace where diversity and individual differences are valued and leveraged to achieve the vision and mission of the organization†Read MoreConflict, Job Designs, And Teams Are A Important Part Of Todays Organizations1014 Words   |  5 PagesOrganizational Behavior Conflict, job designs, and teams are a very important part of today’s organizations. Conflict is a struggle between people that have different views, ideas, values, goals, and beliefs (Popovic Hocenski, 2009, p.15). Conflict is inevitable. However it can be beneficial for the organization if the conflict is managed correctly. There are many different ways that conflict can be managed. One of the ways that conflict can be managed is through collaboration. Conflict can happen in aRead MoreThe Australian Workplace Is A Evolving Environment1483 Words   |  6 Pagesdiversity. Unless managed and understood properly, diversity can cause a wide range of obstacles in the Australian workplace, with the main workplace objective hindrance being miscommunication amongst employees In order for a workplace to achieve objectives, as well as promote diversity, employee relationships need to be maintained and fostered in a safe and positive workplace environment. This encompasses accepting and recognizing individuals beyond the scope of their religious beliefs, political viewsRead MoreMotivation and Conflict Resolution Essay753 Words   |  4 Pages Motivation and Conflict Resolution Conflict in the workplace is detrimental to employee motivation. An essential part of motivating employees is fostering trust and providing job satisfaction. Effectively resolving conflict is critical to the success of the organization, but is only one aspect of employee motivation. There are motivational theories that help organizations understand workplace relationships, organizational behavior, and their effects on employeeRead MoreGroups and High-Performance Teams1617 Words   |  7 Pagesleaders are able to assemble a high-performance team with good hierarchical balance, measurable and attainable goals, and appropriate communication expectations across the team. They promptly address conflict resolutions and break down all physical barriers in managing multi-city offices and dispersed employees. By paying close attention to team demographics and diversity, good leaders will establish a solid group foundation which will result in a high-performance team. Groups and High-PerformanceRead MoreManaging Any Type Of Event Or Organized Business1245 Words   |  5 PagesThere are many challenges involved in managing any type of event or organized business. Managing is defined as having authority or control over events, companies, or establishments. An example of a manger would be an administrator or someone who has executive authority. Being a manager brings about many challenges, because managers are in charge of making sure they know how to confront their employees, deal with people’s values, let them know what is expected of them ethically, and evaluate theirRead MoreManagerial Skills : The Basic Principles Of Management Essay1221 Words   |  5 Pagescontrolling. For example, the job of the supervisor is to properly instruct the employee on how to perform their work duties. Therefore, a supervisor needs a combination of managerial skills to handle a job effectively in an organization that includes conceptual, technical, human , emotional intelligence, social intelligence, systems thinking, political savvy, continuous learning, and managing diversity. Conceptual skills: justice, fairness, the difference between right and wrong, legitimacy, truth equalRead MoreThe Importance Of A Multi Directional Communication862 Words   |  4 PagesI prefer to work in an environment where the power distance index is low and every member can participate in the decision-making process. For my part, multi-directional communication is more effective than top-down communication. I also enjoy the working environment that encourages creativity and innovation. Additionally, I prefer to work in an organization advocating communication and commitment. Smooth communication increases productivity. Relationships should be as important as tasks in an organizationRead MoreLeadership : A Transformational Leader1552 Words   |  7 Pagesleadership as the power to influence people to achieve the same goal, vision, or purpose. I see true leaders as great communicators with high moral standards that are not afraid of change and who continue to innovate, inspire, and empower everyone to improve or progress the group. As there are many leadership definitions, there are also various leadership styles. What stands out the most for me is transformational leadership. Burns (as cited by Crowell, 2011, pp. 81-82) described a transformational leaderRead MoreConflict Management in the Workplace1136 Words   |  5 PagesConflict Management Learning Team A: Dana Stinson, Timothy Bird, Sterling Richards, Diana Loutensock LDR/531 October 5, 2010 Richard Hartley, M.A. Conflict Management Training Program Our consulting firm, Conflict Professionals, specializes in training all levels of managers (executive, mid- and entry-level) in the art of managing conflict within their teams and organizations. What is conflict and how does it arise? Typically, it occurs when two or more people oppose one another because

Big data free essay sample

All necessary study materials will be uploaded to UMBC Blackboard. Reference book: Management Information Systems: Managing the Digital Firm, Twelfth Edition by Kenneth C. Laudon; Jane P. Laudon. ISBN: 978-0-13-214285-4 Course Overview This course provides an introduction to the fundamental management and technology concepts related to information technology (IT) and information systems (IS). In this course, students are expected to accomplish the following goals: †¢ Get familiar with fundamental concepts related to IT, including hardware, software, databases, and Internet technologies; †¢ Demonstrate how IT supports all functional areas of the organization and business processes, with a focus on the use of IT in electronic commerce, decision support systems, business intelligence, and knowledge management; †¢ Develop necessary skills to analyze managerial and organizational issues involved in the development, implementation, and use of IT in enterprise information systems, including enterprise resource planning (ERP), supply chain management (SCM), IT outsourcing, and IT security; †¢ Understand the major social and ethical aspects of information technology, such as consumer privacy, hacking, intellectual property, anti-trust, and social computing; †¢ Get opportunity to explore research skills in the IT industry and apply it to some current IS topics. The Blackboard The UMBC blackboard website http://blackboard. umbc. edu contains critical information for the course, including lecture notes, assignment and case study discussion. It is also important for you to visit the course website frequently for important announcements. Course Documents Folder: The instructor will use his own PowerPoint presentation slides during class lecture. Note that not all topics in the textbooks will be covered in class. Other class related documents and handouts will be posted on the blackboard as well. 1 Assignment Folder: One homework assignment will be posted under the Assignment folder. Homework submission is through the blackboard submission link under this folder. Course Grading Evaluation of student performance will be based on the following items with corresponding points. Items Exam #1 Exam #2 Exam #3 Term Paper Term Paper Presentation Assignment Class Participation (Case Study) Percentage 15% 15% 20% 15% 10% 10% 15% Term Paper: Each student should select a real case to analyze in the topic of â€Å"Cloud Computing† as we discussed on the first class. You are expected to do some research on the case you selected and discuss the advantages and disadvantages of applying Cloud Computing on this particular domain, also you can give your own opinions and judgment on whether they should adopt â€Å"Cloud Computing† compared with current IT strategy, how â€Å"Cloud Computing† can help for a successful business. The final deliverable should be in a 3 ~ 5 page paper, the words should be more than 1500, and your analysis part should be more than 50% in your paper. You can use any format (like APA) in your paper, but after you decide to use one format, you need to keep it consistent from the beginning to the end. For your case selection: If you have previous IT experience or work in the IT related industry, you can use your own case to discuss any potential opportunities to apply â€Å"Cloud Computing† and will it affect your current business? You can also find lots of cases in your real life, for example, if you like music or movie, you may have heard â€Å"Apple iCloud†; if you like playing video games, you may know the service â€Å"Onlive. com†; what’s more, you may already get used to the application of â€Å"Dropbox†, while have you heard another similar one â€Å"Amazon cloud drive†? Actually, â€Å"Cloud Computing† is coming to our daily life. If you still cannot find cases, look at our textbook’s â€Å"table of contents†, each chapter topic can be applied by â€Å"Cloud Computing†. Besides, you can get help with UMBC research portal (on the UMBC library website) and internet resources like Google. com, they can be used as your references. But you should not copy and paste any opinions or analysis from there, your work will be submitted to UMBC plagiarism detection systems finally. You should submit one page proposal of term paper on 7/17 to indicate your case selection. Please briefly describe what your case is, how it is relevant to the topic of â€Å"Cloud Computing† and what you are prepared to discuss. I will look at your proposal and give you feedbacks before you proceed. Your final term paper is due by 8/14 before class, but will be accepted at any earlier time. 2 Term Paper Presentation: Each student will present their term paper to the class and lead a discussion about that topic. All students’ presentation is scheduled at the end of our course, and each student’s presentation is no more than 10 minutes. Exams: There will be 3 exams to supplement and reinforce your learning. The exams will be given during the normal class meeting times. The exams are NOT cumulative. All exams are close-book tests. Test questions consist of true/false, fill-in-the-blank, and multiple-choices. Again, if there is any conflict and you cannot make any of the exams, you must communicate with the instructor in advance to get permission for a make-up test. Otherwise, you will receive a zero grade. Generally, in order to make sure the exams are fair to everyone, there are no make-up exams. Case Study: The best way of learning MIS is to study real-world cases, and all cases will be posted on Blackboard under Course Document section. In this class, each student will select a case to study and lead the discussion on â€Å"Discussion Boards - Case Study†. Case selection will be based on a first-come, first serve basis, and please reply to the discussion thread on the case title you want to manage after our first lecture. All students should finish their case selection before our third lecture on 7/17 (otherwise, you will be assigned a case by instructor). For your selection of the case, your work is to promote your classmates to answer questions in the section of â€Å"Case Study Questions† on each case, and to summarize these answers and discussions. Finally, you should select â€Å"the best solutions you thought† to present to the entire class. I will also give feedbacks afterwards. All students are required to read and view the video of every case and all students should participate and post answers for every case on â€Å"Discussion Boards† at course Blackboard, and it is a part of your grades as â€Å"Class Participation (Case Study)†. The available case lists are (30): Case: UPS Global Operations with the DIAD IV Case: Google Data Center Efficiency Best Practices Case: How FedEx Works: Enterprise Systems Case: IT and Geo-Mapping Help a Small Business Succeed Case: National Basketball Association: Competing on Global Delivery With Akamai OS Streaming Case: Customer Relationship Management for San Franciscos City Government Case: Net Neutrality: Neutral Networks Work Case: Data Mining for Terrorists and Innocents Case: Hudsons Bay Company and IBM: Virtual Blade Platform Case: Salesforce. com: SFA on the iPhone and iPod Touch Case: Maruti Suzuki Business Intelligence and Enterprise Databases Case: Data Warehousing at REI: Understanding the Customer Case: Cisco Telepresence: Meeting Without Traveling Case: Virtual Collaboration for Lotus Sametime 3 Case: IBM Zone Trusted Information Channel (ZTIC) Case: Open ID and Web Security Case: Sinosteel Strengthens Business Management with ERP Applications Case: Ingram Micro and HR Block Get Close to Their Customers Case: M-Commerce: The Past, Present, and Future Case: Ford AutoXchange B2B Marketplace Case: LOreal: Knowledge Management Using Microsoft SharePoint Case: FreshDirect Uses Business Intelligence to Manage Its Online Grocery Case: IBM and Cognos: Business Intelligence and Analytics for Improved Decision Making Case: IBM: Business Process Management in a Service-Oriented Architecture Case: Startup Appcelerator For Rapid Rich App Development Case: Mastering the Hype Cycle: How to Adopt the Right Innovation at the Right Time Case: NASA Project Management Challenges Case: Daum Runs Oracle Apps on Linux Case: Monsanto, Cisco ANS, and Microsoft SharePoint Case: The Tester Assignment: The purpose of homework assignment is to give you hands-on exercises to get you familiar with the Microsoft software Access. I will walk you through some basic functions and the software operations so you will learn how to use Access to manage database. Assignment must be done by individuals, not a group. The homework assignment must be turned in by the specified due date and time (it is on your assignment document). Assignment handed in within 24 hours after the due time/day will receive 30% penalty. Without permission from the instructor, no assignment will be accepted more than 24 hours after the due time. Course Policy Communication The instructor will communicate with students using the students official UMBC email address. Audio/Visual Recording Policy Electronic recording of lectures is prohibited unless receiving prior approval from the instructor. Approval will be granted only for self-study purposes. Class Participation Class attendance is very useful as a means of acquiring knowledge and clarification. You will learn more if you are in class to listen, take notes, and get your questions answered. Especially, a number of exam questions are derived from lectures and class discussion. Therefore, you are required to attend all class meetings and actively engage in class interactions. To show courtesy to your classmates and the instructor, it is important that you come to class on time. Please notify the instructor for any anticipated absence due to religious holidays, or UMBC official extracurricular activity ahead of time. If you use a laptop in class, I expect you to put it in proper use – no email, IM, or games. If you break 4 this rule, you may get a yellow card. After two yellow cards, you will get a red card and you can no longer bring your laptop to class. Academic Integrity The university defines academic dishonesty as cheating, plagiarism, unauthorized collaboration, falsifying academic records, and any act designed to avoid participating honestly in the learning process. Since dishonesty harms the individual, all students, and the integrity of the university, policies on scholastic dishonesty will be strictly enforced. By teaching this course, I have agreed to observe all the faculty responsibilities described in the corresponding document. By enrolling in this course, each student assumes the responsibilities of an active participant in UMBCs scholarly community in which everyones academic work and behavior are held to the highest standards of honesty. Any dishonesty such as cheating, plagiarism, false representation, etc. that comes to my attention will result in an F in the course. Course Overview Part 1: The information age (Topic 1 ~ Topic 3) Overview of business information systems Strategic use of IS Business functions and supply chains Part 2: Information technology (Topic 4 ~ Topic 7) Business hardware, software, network communications, database and data warehouse Part 3: Web-enabled commerce (Topic 8 ~ Topic 9) The web-enabled enterprise, challenges of global IS Part 4: Decision support and business intelligence (Topic 10 ~ Topic 11) Decision support systems, expert systems, business intelligence and knowledge management Part 5: Planning, acquisition, and controls (Topic 12 ~ Topic 14) System planning and development, choices in system acquisition, risks, security, and disaster recovery 5 Course Schedule Below is a tentative schedule of lecture topics, cases and assignments. Any changes will be posted on the blackboard. Please check the announcements regularly. Date Topics 7/10 Course introduction The future of IS Business Information Systems: An Overview Types of Information Systems (IS) Strategic Use of IS Business Functions Supply Chains and ERP Business Hardware and Software Exam #1 (Topic 1 ~ 3) Business Networks and Telecommunications Databases and Data Warehouses The Web-Enabled Enterprise Challenges of Global Information Systems Decision Support Systems Expert Systems Exam #2 (Topic 4 ~ 9) Business Intelligence and Knowledge Management System Planning and Development Choices in Systems Acquisition and IT Outsourcing Network Security and IT Risk Management No Class (AMCIS 2012) Term Paper Presentations 7/12 7/17 7/19 7/24 7/26 7/31 8/2 8/7 8/9 8/14 8/16 Case Study Assignments One page proposal of term paper C1;C2;C3 C4;C5;C6 C7;C8;C9; C10 C11;C12;C13 One page proposal of term paper due Access Assignment Handout C14;C15;C16 C17;C18;C19; C20 C21;C22;C23 C24;C25;C26 Access Assignment due C27;C28;C29; Final Term Paper due C30 on 8/14 before class Term Paper Presentations Exam #3 (Topic 10 ~ 14) 6

Why has the membership of the major political parties declined in recent years Essay Example

Why has the membership of the major political parties declined in recent years Essay The membership of the major political parties has declined alarmingly in recent decades. In the 1950s, Labour had a million members and the Conservatives over two million, but nowadays they have 360,000 and 335,000 respectively. Parties are keen to recruit as many members as possible as they can provide important campaigning and financial support. There must be some wider reason for this phenomenon, as it did not affect just one party. Political apathy may be one factor, as people lose interest in the political system in general. Another possible reason could be the dissatisfaction the electorate feel towards the political parties of today. The class and party de-alignment arguments could also be used to explain this contrast with yesteryear- that the changes in the class system have left people unsure about whom their natural representatives are. The huge increase in floating voters may have something to do with this decline as well. Evans (1997) suggests another possibility, rather than people not participating in politics, this generation has shifted from party politics to supporting pressure groups. A politically apathetic electorate would have no interest in politics; therefore they would not join political parties. This state of mind has increased dramatically, possibly as a result of the move by the major parties in their stances. Moves, initially, by the Labour Party but subsequently by the Conservatives have left very little distinction between the parties. As the Labour Party shifted towards the centre under Blairs early leadership period, so did the Conservatives as a reaction against the Thatcher stereotype. We will write a custom essay sample on Why has the membership of the major political parties declined in recent years specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Why has the membership of the major political parties declined in recent years specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Why has the membership of the major political parties declined in recent years specifically for you FOR ONLY $16.38 $13.9/page Hire Writer This might have left the electorate feeling discontented, as there would not be as much political debate from two sides that operate so close to each other in their policies. Political apathy can be measured in a number of ways: party membership, turnout, and public opinion polls, although these are not completely reliable, as people might not vote for certain reasons and not join parties for reasons other than political apathy. Without a change in the attraction of politics and parties, this should not change. There would need to be more opportunity to get involved in politics than under the current political system, possibly an increase in referenda and initiatives. This might make the electorate more interested in politics, and consequently political parties. Parties and their politicians have also been given a poor image by the media in recent years, which may have resulted in people not supporting the political parties by not joining them. Incidents like the Neil Hamilton saga and the introduction of negative campaigning show politics up to be a dirty business and one that many people dont want to be a part of. The political parties have become much more centralised now, with less power allowed to the members, and this has been reflected by the membership figures. The politicians in comparison with the constituency groups now hold much more power and some people may think there is nothing to be gained from joining the parties other than funding something that they are not a part of. Party conferences, formerly a means of allowing the member a real vote, are now seen as a media charade. The de-centralisation of the main parties would probably considerably increase their membership, as the members would be in a position to have their say and not have their party managed by an elite. Traditionally, Labour has attracted working class support whereas the Conservatives have got their vote from the middle and upper class. However, according to Crewe (1977), following the emergence of an evolved class system, with a smaller working class, the traditional class boundaries have been eliminated with people making rational choices about their vote. This is the same with whichever party they are going to join, if any. People are not necessarily going to support their class representatives anymore. As these people become more sceptical and objective about the state of the different parties, so have the parties changed their policies to suit most people as opposed to their traditional voters. This has led to a loss of core support, and an increase in the floating vote. There is nothing to suggest that this trend of rational choice voting is going to change. On the contrary, if de-industrialisation continues, the movement towards rational choice voting would gather pace and membership figures would decrease further. For an election victory, the floating vote is very important but these voters will not join a party and will therefore not donate or participate in political activities. The floating electorate choose their affiliations in the short-term, and are the most objective of the different types of voters. Their only commitment is to the party that most attracts them with its various factors whose popularity can only be defined by the individual. They will not participate in party activities- such as assistance in election campaigns, donating money, etc. as they are not members. The increase in this group would explain any change in the party membership. During recent years, the trend has been to support single-issue groups as opposed to broad groups like political parties. In this pattern, there is a divide, where younger people are interested in these single-issue protest activities whereas the older generation are more dedicated to political party activity. Whereas only 6% of 15-34 year olds describe themselves as very interested in politics, 73% see themselves as particularly interested in the homeless situation, and similar proportions have concern about disabled rights, animal rights, and increased funding for the NHS. This could suggest that in the future party enrolment will decrease even more as the previous generation of party activists die out. In conclusion, there are five main reasons for the decline of party membership: an increase in political apathy, due in some considerable way to the move to the centre ground which has disillusioned more partisan support; the distrust surrounding politics, especially showed in the media coverage of sleaze and negative campaigning; the class-dealignment experienced by Britain as a result of de-industrialisation, which has left more people moving to a rational choice model of voting; this having resulted in an increase in floating voters who do not tie themselves down to one political party; and the younger generations tendency to be more interested in single-issue politics than the wide spectrum of issues in politics today. If the following continue as expected, party membership will decrease even further. To stop this movement, parties and the political system will need to change to allow the electorate a bigger role in political decision-making. It should be noted that these conclusions could also be used in the explanation of the decline in the faith of the electorate in the present political system.

The Gods Must be Crazy essays

The Gods Must be Crazy essays As the Bushmen are portrayed in the film, they are a simple and quite non-materialistic culture that lives off the land, gathering plants and hunting for their food and the survival of the entire tribe. They enjoy each other, and do not feel any need for outside intervention or modernity. When the Coke bottle drops into the tribe's midst, it creates divisions that were never there before. It illustrates how just the slightest intervention by the white man can change the ways of a culture forever. As Xi travels with the "evil thing" to the end of the world, he encounters "civilization," but it does not seem very civilized to him. He is accused of stealing a goat, and has many other misadventures before he makes it The film is a sociological study in a variety of ways, from how tools changed the lives of the hunter/gatherers forever, to the roles and values of men and women in a non-structured society. Before the Coke bottle drops from the sky, the people share their tasks equally, but after the Coke bottle is used as a tool, one person has the advantage over the others, and so the others covet the tool that was never necessary before. Suddenly, the values and mores of the women have changed. They no longer work happily together, because they are angry and jealous that only one woman commands the tool. This illustrates an important concept in society, that those with the "most tools" are the most powerful, and the most competitive. As the Bushmen compete to use the Coke bottle for various tasks, they build walls between themselves, and their society begins to change. Before the bottle, they lived simply, and continued the folkways and values of their ancestors, that had been handed down for centuries. They did not change because they did not have to, and their lifestyle worked perfectly for them. The Coke bottle created a counter-culture that ...

Planning in SWA Group Essay Example | Topics and Well Written Essays - 1000 words

Planning in SWA Group - Essay Example This has resulted in the organization’s services been leased. The planning model that the organization intends to use is the rational model of planning (Mullins, 2010). This involves identifying the problems they are encountering, formation and evaluation of their criteria’s of planning along with the creation and implementation of alternative solutions (Murphy and Willmott, 2010). This model is mainly used in the planning of towns and their systems of transport and this paper will elaborate how SWA group manages planning. The organization will start by confirming, describing and laying out the details of the problem being encountered. This will involve first identifying the problems at hand and then defining a possible solution to begin making changes. The solution is then analyzed for the purpose of checking whether it adequately solves the problems at hand. This involves the management’s ability to come up with more creative designs, schemes and breakthroughs. This model facilitates the decision making process to become a group process since ideas will have to be shared. The organization’s competitors such as Brennerplan and the Taylor Siefker Williams group of design have experienced success in their activities due to the influences of their group decision making processes (Morgan, 2006). The decisions that result from group decisions are normally well thought of with their repercussions being evaluated. Many, diverse opinions are also offered with the best alternatives being selected to efficiently solve the issues in question. After the identification and analysis of the problems being experienced, the organization embarks on the generation of different solutions to the problem (Mullins, 2010). This will involve the suggestion and selection of up to three solutions to solve the problem along with their implementation to the problem’s site. This will involve their efforts in revitalizing the slums and developing planned u nits in the towns. Such activities will be carried out in groups for the purpose of achieving the different solutions to these problems. The emergence of alternative solutions for the organization enables the management to apply rationality in selecting the best possible solutions. The organization collects information using their available technology for the purpose of discovering alternatives to their problems. These alternatives will undergo evaluations to determine their levels of success or failure before being implemented. The analysis will provide final solutions to their problems. It will include activities such as carrying out an examination of the sites in question to determine their sensitivity and appropriateness. This assists in evaluating the consequences of the solutions they have chosen to implement. The organization will also consider the various options they have of evaluating their different solutions. This will be done before the implementation of final solutions to the sites. The organization’s competitors use different models that the management will also have to evaluate. This will be done to determine their efficiency in solving the problems before discarding them. Once the best decision has been selected, their application to the problems site will then be implemented. The above steps form the heart of the decision making

Solar energy as an alternative energy source Essay

Solar energy as an alternative energy source - Essay Example (uk.news.yahoo.com 2011) Solar energy is more abundant, less exhaustible, and a more population free than any other source. Active and passive solar energy types are the major ones. The active systems are those that capture, stores, and distribute that energy from the sun. Passive systems provide the avenues for the sun to enter and they rely on natural airflow to provide distribution. (Goel, 2005 p109) The active solar system includes a collector, a storage mechanism and a distribution device. This type of the solar system has overcome the age-old problem of solar concept wholly. It is the most needed when the sun is not shinning at right for example, the storage area is usually water such as, an indoor swimming pool, stores or bricks located in the basement. The heat can be distributed as the need arises and it is extracted by means of pumps or fans, depending on the storage method. A passive solar system is not expensive as active system because it has only a device for collection which consists of a south facing solar panel that collects the sun rays. The method is effective in greenhouses and homes equipped with another back up heat source. The construction technique is followed to ensure heat is held once captured. Passive solar energy are used to heat water, grain, distilled water and also used in cooking. According to (Smith and Taylor, 2008 p2), the latest development with the solar energy concerns converting the sun rays that is, radiant energy, into electric energy. The second thermodynamics law states that heat is usually lost when we change the form of energy. The research indicates that 99% of radiant energy from the sun is lost in form of heat leaving the earth’s surface. The main goal of using solar energy to produce electrical energy is to use more efficiently the escaped heat of the sun. There is a more indirect method of converting the solar energy to electrical power. More research is being conducted lately on the direct conversion of sunlight to electricity by the use of solar cells. These solar cells are in need of more development before they are readily available to the public. The solar energy supply is unlimited and the supply is also renewable. The reliance of fossils fuel thus indirect population by the amount of solar produced can be reduced. Solar is a necessity because of the demand increase on the traditional energy and also the increasing costs relating to such an increase. There is no population generated as a result of its use. Every watt of power generated from the sun reduces the population thus solar energy is an excellent alternative energy. Other than the costs of manufacturing of the component, their purchasing and the installation costs, there are no other costs that are associated with the use after the initial investment outlay. To meet the needs, the electric solar system can be expanded by installation of more panels. It is notable that the demand of fossil fuels that is oil and natural gas decreases as the usage solar energy increases. Other advantages of alternative sources of energy is solar electric system can eliminate greenhouses gas emissions by an amount of 18tons. The solar energy can be used for the remote applications, heat water and space heating. (Craddock David, 2008 p 13) Solar energy as an alternative source of energy has various disadvantages too. Solar energy projects that are Large scale commercial involves a large area of land and involves

Sources Of Stress Among Teachers Psychology Essay

Sources Of Stress Among Teachers Psychology Essay Stress is a psycho-physiological process which arises out from the intercommunication of the individual with the environment (Muhammad et al, 2010) and (luthans, 1998) which ends up in disturbances and manifestations depending on the individual characteristics such as health status or psychological process such as attitude (Muhammad et al, 2010).As reported by Ingrid (1997) adapted from Hans Selye (1982), few people would be able to give the definition of stress or even attempt to give a clear cut definition due to the huge number of causes which can contribute to stress. Stress can be defined as a charismatic situation in which a person is affront with an event, constraint or appeal related to what he desires and for which the result is perceived to be both ambiguous and vital (De Cenzo, 1998) whereas Hans selye simply said that stress is the expansive response of the body to any appeal made upon it. It is to be noted that stress can be classified into eutress and distress whereby e ustress is a positive psychological response to a stressor and distress is the negative response (Geraldine, 2011). An example of eustress is an opportunity or a challenge which will lead to a promotion and for distress if any tension, worry or frustration. This study will be focusing mainly on distress. Stress is experienced by nearly all people in their life; however occupational stress is more present in the daily life of worker. As stated by Smith (2000) occupational stress is widespread and can be a major cause of ill health. 2.2 OCCUPATIONAL STRESS Jobs have always been a little stressful however over the last few years the workplace has become increasingly stressful. As per the report of National Institute for Occupational Safety and Health 75% of workers believe that todays workers experience more work stress than the prior generation. In 1992, the United Nations in its report even qualified job stress as the 20th century disease (Bob, Rollin, and Bruce, 1997). The World Health Organization (WHO) has characterise job-related stress in countries that are developing as a modern hazard in a traditional working environment and it is not to be forgotten that Mauritius as well is a developing country. Due to the important metamorphosis in company organization, change in nature of work, and technological advances, stress affect employees of all hierarchical level. Work-related stress can be said to be experienced when the appeals from the work environment exceed the employees ability to cope with (or control) them. It is not a disease, but it can lead to problem of ill health in areas like mental and physical health. Occupational stress is a sign of a problem within the organization, not individual weakness (European Agency 2000a, 2002a). It is to be noted that in this study, the term work related stress and the term occupational stress has been used interchangeably however they are distinguished from each other(Health and safety executive,2006) work related stress includes cases where work may have aggravated the stress experienced hence work may be a contributory factor but not necessarily the sole cause whereby the term occupational stress refers to cases where work is the sole cause of the stress experienced and associated symptoms of ill health. The Health and safety executive defined work related stress as the unfavorable reaction people have to increasing pressures or any types of request on them at work. Those reactions, people have to cope with a great number of demands, trying to cope with their duties and responsibilities concerned about their job and they have difficulty in doing so. On an individual level, it is often the fact of not being able to cope with the work load and environment with an associated negative manifestation. In comparison with other professions, teaching is considered as a high stress occupation. (Lambros, 2006) and (Mc and Von, 2005). 2.3 MODELS OF OCCUPATIONAL STRESS A stress model helps to better understand the various stages, and therefore can help people to better cope with the stress. The main model of stress is discussed below: 2.3.1 HANS SELYE MODEL OF STRESS Selye (1977) developed the general adaptation syndrome model .The general adaptation syndrome can be defined as the sum of whole expansive, systemic reactions, of the body which arise due to continuous and prolonged exposure to stress. When a person emits symptoms of not being in good health, it may surely be due to the fact that he is stressed. He identified that stress gather up in the body and if the relevant stressor is not removed, the person body will go through predictable phases as shown in Figure 1. Hans selye talked of three phases: ALARM STAGE This is the stage whereby the body recognize that there is a danger and prepare to deal or not to deal with the threat which is also known as the stressor, this situation is often called the fight or flight response. The stress hormone, adrenaline, is secreted and give the person the energy to fight or flight the stressor. RESISTANCE STAGE In this stage the body tries to return to a situation of psychological tranquility by resisting the alarm due to the fact that the threat still exists. The body remains activated however on a lesser extent than in the alarm stage but sufficient to cause an increase in the metabolic rate and consequently it may enter the third and final stage EXHAUSTION STAGE Exhaustion takes place when one or more target organs shows sign on dysfunction, this happens when the body can no longer meet up with the demand places upon it and start to dysfunction. This is the state whereby a disease is diagnosed which shows that a disease is the consequence of the related stressor. This can result in having serious consequences even death of the organ or the organism as a whole. http://210.9.134.6/zinecmt/templ/aipc/ezineimages/stress.gif Diagram 1: graphical evolution of the three stages of general adaptation syndrome. (Source: Carlson et al,(eds) (2007). Psychology: The Science of Behaviour (6th Ed). Boston, USA: Allyn and Bacon-Pearson) The above theory has been a basis for later research work to be carried out, however there are some issues with it, as it has been carried out on rats, and to extend it to humans may not be that clever, considering the emotional content of the stress perceived which may alter the way a human will react to the stress. Also as the name of the theory state, selye claimed it to be general irrespective of any nature of stress, however different type of stressors may act differently and hence different responses may be observed. 2.3.2 THE PERSON- ENVIRONMENT FIT MODEL The person-environment fit model is one of the well known among others, whereby it lays emphasis on the interaction between the peculiarity of the individual and that of the situation. One important aspect of this interaction is that occupational stress is the extent to which the individual will fit to his working environment, in other words, according to the person-environment fit model , the extent to which the person will face occupational stress depend on how much can he fit the workplace and the demands of the work thereof. Other factors can be motivation, ability and productivity. Â  If the person-environment fit turn out to be wrong, it can cause serious problems in any work environment. Occupational Stress and lack of productivity are natural conflicts related to the fact of a failure between a person fit into their workplace environment. This model can be highly related to occupational stress as it is important for the person to feel his importance in the work place and to fit the working environment so that later on, the problem of occupational stress dont arise, this was confirmed by Edwards and Ship (2007) whereby the study he did confirmed that the misfit between the person and the environment can lead to people having stress. As well as not being able to meet up the demands, the person-environment fit can also failed due to different motives of the individual and the work respectively which will surely lead to occupational stress. Person-environment fit theory argues that stress effects may arise when threatening job demands lead to disequilibrium in the interaction between an individual and the work environment. Although influential, the model is considered to have some drawbacks .There remains confusion over the notion of fit and its measurement (Edwards Cooper, 1990) and also difficulty to conceptualise the notion of fit (Julian and john, 2010) 2.3.3 THE KARASEK DEMANDS- CONTROL MODEL The demand-control model was developed by Karasek in 1979 and it focuses on the job demands and control at a work place situation whereby the employee is faced with a heavy work load/demand and at the same time , is given little control over the work. Hence any job which has a very high demand and very little or simply no control is given to the employee will end up in the employee facing stress, as confirmed by Doi.Y (2005), this is also known as the strain hypothesis. Demands can be in terms of various work activities, such as a close deadline to submit a particular work, too much responsibilities to handle, conflicting roles at work, not having the right to share views in decision making among others and control can also be in terms of the decision making of the employee and the way how he want to carry his job, this model divide the employees in four categories. The first category is the one who have high control over the high demands are known as active employees, second category, those who have high control but low demand, as low strain category of employees. Third category, those with low demands and low control are known as the passive category and finally the one with low control and high demands, as the high strain category (D Overgaard et al, 2004). The most common criticism is that the demand -Control model is too simple. Peter, Arnold B., Ad de (2001) and Johnson (1989) has argued that job control is not the only resource available to coping with job demands and proposed that social support from colleagues or superiors may also function as a mediator of the relationship between job demands and Stress reactions which agrees with the study done by Cristina et al (2012) who said that this model does not apply equally to all individuals and various factors, such as personality can act as a moderator or a buffer. 2.4 TEACHERS STRESS In the field of education, it is not easy to define teachers stress; however Kyriacou (2001) defined the latter as the involvement by a teacher of abhorrent, negative emotions, such as anger, Anxiety, tension, frustration or depression, resulting from some aspect of their work as a teacher. Since the late 1970s, many research work has been done to analyse teacher stress. The wealth of research published over the last years shown that there is a big problem concerning teachers and they do face stress. Compared to other professions, teaching is considered to be high stress occupations (Mc Shane and von Glinow, 2005), which therefore results to higher stress level among teachers consequently leading to poor performance, staff health problems and higher job dissatisfaction (Williams and Gersh, 2004).Occupational stress did had a negative effect on the job performance of the teachers in a secondary school which in turn may result in poor teaching to the students (Mohammad Aklaq et al, 201 0). A survey carried out by Karl Peltzer et all (2008) proved that teachers do have a high level of stress as well as job stress were associated with most stress- relating illnesses such as hypertension, mental distress, tobacco and alcohol abuse which agrees with the study of Wang pei and Zhang Guoli (2008) who deducted from their study that the negative effect of occupational stress on teachers health are significant. Teachers stress can have various consequences therefore it is important to manage it and one way of managing it , is by knowing the sources which stress the teachers most and deal with it directly. 2.5 MANIFESTATIONS OF STRESS AMONG TEACHERS Sign and symptoms of stress among teachers can be seen as manifestations when they face a threshold of stress that they cannot control or deal with. It can differ individually as some may be more prone to certain symptoms than others. Sign and symptoms of stress or those manifestations need to be identified as soon as possible so that it doesnt end up in serious consequences or even fatalities. These can be categorized into three main areas: first of all, the mental symptoms, for example depression and anxiety, secondly, the physical symptoms such as indigestion, palpitations and stomach cramps, and finally the behavioural symptoms which may be in terms of alcohol abuse, using prescription drugs etc. Despite being exposed to same level of stress, secondary school teachers may react differently and have different symptoms to that stressor, some teachers may exhibit depression whereas others may have back ache (leung et al, 2009).Mental symptoms/emotional symptoms tend to be most prese nt and among the first reaction to stress from the teachers. A study carried out in the George region in south Africa showed that teachers stress manifest itself mainly on a mental or emotional level as well as but to a much lesser extent in terms of physical level (M.A.J Olivier, D.J.L and Venter, 2003).In the study carried out by Kyriacou.C and J. Sutcliffe (2011) they found that, the most frequent symptoms of stress reported were tiredness and feeling frustrated 2.6 SOURCES OF STRESS AMONG TEACHERS The sources or causes of stress are also known as stressors. Stressors vary in severity and duration, some situations maybe stressful for everyone but in other situations, individuals may react differently. What is a stressor for a particular individual may not be a stressor for the other one. For some teachers, not being able to cope with the classroom indiscipline maybe a source of stress whereas for others, this may be easily tacked with and not a source of stress hence despite every one of them are teachers; sources of stress may vary from people to people, from organization to organization as well as from situation to situation. Factors such as the mental state of the individual, degree of stress coping, experience of teaching and other demographic variables may play a vital role in deciding if a specific problem can be a cause of stress or not. The research conducted by Brown Ralph (1992) concluded the following most Prevailing work-related factors leading to stress among teac hers, which gave us a better Idea and knowledge on teachers stress: Students-An absence of discipline or disruptive students, students motivation and their respective attitude towards the class and their teachers, the size of the class and their ability to cope and preparing the students for examination purposes. Stressors such as disruptive students may endanger the mental health of the teachers as confirmed by (Nurrul Izzah Abdul Samad et al , 2010) and the national union of teachers in UK(2009) Changes- A lack of information and the necessary resources to smoothen or make changes easier as well as more changes than the demand by the teachers which end up in stress among the teachers. This agrees with the study of kyriacou.(2001) whereby change itself is implicated in teachers stress and could be a problem thereof The management of the school -There is poor cooperation in terms of decision making process and no required training is given to meet the job new demands which keep increasing day by day, an example can be new and latest technological demands, the latter may as well be a potential source of stress for teachers (Olivier and Venter, 2003). Interpersonal relationships- poor social interactions among colleagues and lack of team spirit which may result in interpersonal conflicts. Reviews studies have identified interpersonal conflicts as a major source of teachers stress.( lambros lazuras , 2006) Parents and the community-parents pressure on the teachers to make their children achieve good results and accommodate unrealistic expectations. A study done by G.M steyn and G.D.Kamper (2006) shown that Parents pressure do cause educators to experience stress and the community poses a serious hindrance to learning. Another modern problem nowadays is a particular type of role ambiguity as often the teachers have to nurture, counsel or be mother and father of certain students due to family shift work factors or simply divorce factors.(Nhundu,T,J, 1999) which was confirmed by Joachim Stoeber and Dirk Rennert( 2008). In short, the most common sources of stress for teachers mentioned above are poorly motivated pupils, ill discipline, organizational culture, poor working conditions and poor collegiality. Jarvis (2002) in his critical review of more recent findings on teacher stress focus on three ample causative factors for this: (1) Factors intrinsic to teaching, (e.g., working condition, work under load/overload, repetition and boredom) (2) Cognitive factors which affect the teachers (e.g., time pressures, role conflict and role ambiguity), and (3) Systemic factors operating at the institutional and managerial level (e.g., appraisal system, Non-managerial support, reward system) Holmes (2005) stated that several scholars researching on teachers stress and stress management have categorized some situations that caused stress as follows: (1) Stress resulting from anticipation: fear of whats to come, worry and anxiety. (2) Stress as a response to a current situation: its happening now, and you have to react. (3) Stress from the past: it happened a while ago, but is still lingering in your mind and seemingly impossible to let go. (4) Chronic stress: its an on-going situation, or reaction to a specific event, the impact of which is lingering. Career development can also be a major source of stress (G.M steyn and G.D. kamper, 2006),which agrees with the study done by Ahlam b el shikieri and Hassan A. musa (2012)These can be classified into three main categories namely, job security, performance appraisal and professional training whereby the threat of losing one job is a potential source of stress (M.A.J Olivier and Venter, 2003).Any possibility of demotion may also lead to stress( Rout and Rout,2002).the performance appraisal system can also be a major source of stress for the individual especially if the outcome may influence any promotion or the latter salary.( Rout and Rout, 2002).Required training programme is needed to meet new demands and challenges of the education sector. 2.7 FIMIAN TEACHER STRESS INVENTORY In the present study, we have followed the Fimians teachers stress inventory with minor adaptations to suit the local context in Mauritius. This model explains the teacher stress in a ten factor theory, whereby five consist of sources of occupational stress and the other five about manifestations of stress. According to fimian, when those stressors are present, teachers do have stress and it becomes evident in terms of psychological, behavioural and other type of symptoms. It should thus be possible to identify one array of events that acts as sources of stress and other array of stress that acts as manifestations of stress. Teachers stress is related more to environmental events and the perception of these events, than it is to personal or professional variables such as teacher age, gender, age, education level and number of years of teaching. The factors described in the inventory are time management, work related stressors, professional distress, discipline and motivation, profess ional investment, emotional manifestations, fatigue manifestations, cardiovascular manifestations, gastronomical manifestations and behavioural manifestations. A study carried out by M.A.J Olivier(2003) using the fimian teachers stress inventory concluded that teachers stress manifest itself mainly on an emotional level as well as on a physical level and the most significant source of stress among them was professional investment however the results cannot be generalized as the limited scope of the investigation. In 2009, the study carried out by Victoria sanderlin hand in New Orleans, among novice secondary school teachers, using the fimian teacher stress inventory found that time management, along with discipline and motivation, were the two highest sources of stress for novice teachers moreover Fatigue manifestation and emotional manifestation were the most apparent manifestations of stress, novice secondary teachers may not have those experience to tackle with stress and it may have been different sources or manifestations if they were not novice. Another study carried out by Rubina hanif, Sadaf tariq and Masood nadeem (2011) using the same inventory concluded that teachers shows highest level of stress at work related stressors and fatigue manifestations was the most common one, however this study was carried out in Islamabad, the capital of Pakistan, and the teachers of Islamabad may not be facing same problem as small town or cities teachers are facing, hence the sample is not well represented. 2.8 SUMMARY OF LITTERATURE REVIEW

The Ahmanson Ranch Development :: Ventura Country Environmental Essays

The Ahmanson Ranch Development It all started back in 1989 when Home Savings of America announced to build a giant new community consisting of 3,050 homes, two schools, two hotels, two golf courses and 400,000 square feet of commercial and industrial areas on the 5,400-acre Ahmanson Ranch located at the eastern end of Ventura county, adjacent to Los Angeles County. Even though the Ahmanson Ranch has been owned by Home Savings of America since 1963, the nature remained undisturbed all these past years. The ranch has become one of the important habitats for barely surviving native organisms including threatened or endangered species. For this and other important reasons, an organization, Friends of Ahmanson Ranch, was formed to stop the development with the support from other environmental organizations, local legislatures, politicians and public. Almost seven years have passed since the beginning of this issue, but the conflict still remain unsolved. What is interesting about this issue is the diversity in the reas on which the Friends of Ahmanson Ranch claims for protecting the Ahmanson Ranch from development. They point out a variety of reason, and they are not necessarily environmental opinion. First, the reasons of opposition starts from visible things such as plants and living organisms. President of the Native Plant Society San Gabriel Chapter, Melanie Baer, states that the wild grassland ecosystem of Agoura Hills located in the Ahmanson Ranch provides an important habitat for almost-extinct native plant species called Purple needle-grass, or Stipa pulchra. She also suggests that the mitigation of this plant will not be successful due to its difficulty and poor peripheral environment, such as golf course, of the mitigation site. Similaly, Dr. Barbara J. Collins, professor of biology at California Lutheran University, argues that the environmental impact report prepared for the development was inadequate and she points out the importance of the oak savannah along a North-facing slope of Lakey Mesa in the Ahmanson Ranch. According to her opinion, these oak trees are about 200 to 300 years old valley oaks and they are very sensitive species. A large portion of these oaks wi ll be removed, and the remaining will most likely not survive the environmental changes they will go through due to its sensitive nature. In addition, these plants create crucial habitat for other living organisms such as birds, mammals, invertebrates, amphibians and reptiles. Some of them are even listed in the Federal and State endangered and threatened species lists.

Negotiable Instruments in Banking

0 Assignment On Negotiable Instruments in Banking Course Title: Introduction to Banking Course Code: FIN-305 Assigned To: Mr. S. M. Athiqur Rahman Lecturer Dept. of Business Administration Leading University, Sylhet, Bangladesh. Prepared By: Md. Inzamam-Ul Haq Talukder ID. # 1101010342 Section: E 7th Semester (27th Batch) Leading University, Sylhet, Bangladesh D ATE OF SUBMISSION: APRIL 21, 2013 i Declaration This assignment paper has been prepared by myself which is the title â€Å"Negotiable Instruments in Banking† under the supervision of Mr. S. M. Athiqur Rahman, Lecturer in Dept. f Business Administration, Leading University, Sylhet, Bangladesh. The duplication of this paper is prohibited without the permission of Author. Author Md. Inzamam-Ul Haq Talukder ID. # 1101010342 7th Semester (27th Batch) Leading University, Sylhet, Bangladesh ii Acknowledgement I would like to acknowledge the contributions of the individuals to the development of this assignment paper: Our clas s peer research group for the cooperation and camaraderie. I am also heartily thankful to my course teacher, Mr. S. M. Athiqur Rahman, Lecturer in Dept. f Business Administration, whose encouragement, guidance and support from the initial to the final level enabled me to develop an understanding of the subject. To my truly great friend Tanvir who has made available his support in a number of ways. Lastly, I offer my regards and blessings to all of those who supported us in any respect during the completion of the project. Md. Inzamam-Ul Haq Talukder Dept. of Business Administration ID. # 1101010342 iii Contents Sl. i. ii. iii. iv. v. vi. vii. Chapters Contents Name Abstract Page Number 1 2-4 5 – 16 17 – 18 19 – 20 21 – 22 23First Chapter Second Chapter Third Chapter Fourth Chapter Fifth Chapter Introduction General Context of the Study Data Collection and Limitation Result and Discussion Conclusion References iv Abstract Negotiable instruments are mainly governed by state statutory law. Every state has adopted Article 3 of the Uniform Commercial Code (UCC), with some modifications, as the law governing negotiable instruments. The UCC defines a negotiable instrument as an unconditioned writing that promises or orders the payment of a fixed amount of money. Drafts and notes are the two categories of instruments.A draft is an instrument that orders a payment to be made. An example is a check. A note is an instrument that promises that a payment will be made. Certificates of deposit (CD's) are notes. Drafts and notes are commonly used in business transactions to finance the movement of goods and to secure and distribute loans. To be considered negotiable an instrument must meet the requirements stated in Article 3. Negotiable instruments do not include money, payment orders governed by article 4A (fund transfers) or to securities governed by Article 8 (investment securities).The rule of derivative title, which is applicable in most area s of the law, does not allow a property owner to transfer rights in a piece of property greater than his own. If an instrument is negotiable this rule is suspended. A good faith purchaser, who does not have any knowledge of a defect in the title or claims against it, takes title to the instrument free of any defects or claims. In relation to the suspension of the rule of derivative title, Article 3 provides for warranties to protect the parties in transactions involving negotiable instruments.Checks are negotiable instruments but are mainly covered by Article 4 of the UCC. Secured transactions may contain negotiable instruments but are predominantly covered by Article 9 of the UCC. If there is a conflict between the Articles of the UCC both Article 4 and 9 govern over Article 3. 1 First chapter: Introduction 2 1. 1. Statement of The Study The word negotiable means ‘transferable by delivery’ and the word ‘instruments’ means a written document by which a righ t is created in favor of a person. Thus, the term negotiable instruments literally refer to a document containing rights that can be transferred by elivery. According to Section 13 (a) of the Act, â€Å"Negotiable instrument means a promissory note, bill of exchange or cheque payable either to order or to bearer, whether the word ‘order’ or ‘bearer’ appear on the instrument or not. † The rights that could be incorporated in negotiable instruments may be rights for payment of money arising out of various contracts such as the contract of loan, sale, lease, or any other contract performed by payment of a certain amount of money. Such rights may also arise from ownership in companies or loan made to the government or to a share company.The rights that are incorporated in negotiable instruments may be rights to receive goods under voyage or deposited in a warehouse. According to this provision, the holder of negotiable instruments can transfer the rights incorporated in the instrument by transferring the instrument. Similarly, a person who claims the rights incorporated in negotiable instruments may enforce or exercise them only if he has possession of the instrument, i. e. , he should be a holder to whom the instrument is issued or transferred following the rules governing its transfer.He must also present the instrument to the person who is supposed to perform the obligations arising out of the instrument. The fact that the rights incorporated in negotiable instruments may be transferred by the transfer of the instrument and the fact that a person may not exercise or enforce them unless he is in possession of the instrument are the two main features which distinguish negotiable instruments from other documents evidencing rights such as a title deeds whose transfer does not transfer the rights they establish.Another point that has to be noted here is that negotiable instruments are issued or negotiated based on other contracts. Fo r instance, a person may issue a bill of exchange to repay the money he has borrowed from the payee, the company issues a share certificate or debenture certificate as evidence of the person‘s right arising out of contract of partnership creating the company or a contract of loan respectively. The warehouse person or the carrier issues the warehouse goods deposit certificate or the bill of lading / consignment note based on contracts of warehousing or carriage respectively.Finally, the definition of negotiable instruments under the Ethiopian law is much wider than the one adopted by most legal systems, particularly those following the Common Law tradition. This is evident from the Uniform Commercial Code of the United States and the Bill of Exchanges Act of 1882, which restricts the concept to bills of exchange, cheques and promissory notes. 3 1. 2. Objectives of the Study Objective means the main reason or the main goals of the study. Here after this study we should be able t o- ? Understand meaning, essential characteristics and types of negotiable instruments; ?Describe the meaning and marketing of cheques, crossing of cheques and cancellation of crossing of a cheque; ? Explain capacity and liability parties to a negotiable instruments; and ? Understand various provisions of negotiable instrument Act, 1881 regarding negotiation, assignment, endorsement, acceptance, etc. of negotiable instruments. 4 Second chapter: General Context of the Study 5 2. 1. Literature Review The term, negotiable instrument means a written document which creates a right in favor of some person and which is freely transferable.Although the Act mentions only these three instruments (such as a promissory note, a bill of exchange and cheque), it does not exclude the possibility of adding any other instrument which satisfies the following two conditions of negotiability: a) the instrument should be freely transferable (by delivery or by endorsement. and delivery) by the custom of t he trade; and b) the person who obtains it in good faith and for value should get it free from all defects, and be entitled to recover the money of the instrument in his own name.A negotiable instrument is a document which includes a promise to pay a set sum of money to the bearer of the document either on demand or on a given date. The instrument can be freely transferred without the need to notify the person from whom it originated. Negotiable instruments are used to enable trade, because without them, people would be obliged to exchange money in person for all sorts of transactions, and this would quickly become unsafe in addition to unwieldy.One simple example of a negotiable instrument is a check. A check is written out to the bearer for a specific amount. The bearer can take the check to a bank and deposit it, thereby transferring the obligation to the bank. The bearer can also sign the check over to someone else, another example of a transfer. Checks also demonstrate another important property of negotiable instruments, which is that people need to have them in hand to redeem or negotiate them. If the document is lost, it cannot be called upon.As such, documents like share warrants payable to bearer, debentures payable to bearer and dividend warrants are negotiable instruments. But the money orders and postal orders, deposit receipts, share certificates, bill of lading, dock warrant, etc. are not negotiable instruments. Although they are transferable by delivery and endorsements, yet they are not able to give better title to the bona fide transferee for value than what the transferor has. 6 2. 2. Characteristics of a Negotiable Instrument A negotiable instrument has the following characteristics: ? Property:The possessor of the negotiable instrument is presumed to be the owner of the property contained therein. A negotiable instrument does not merely give possession of the instrument but right to property also. The property in a negotiable instrument ca n be transferred without any formality. In the case of bearer instrument, the property passes by mere delivery to the transferee. In the case of an order instrument, endorsement and delivery are required for the transfer of property. ? Title: The transferee of a negotiable instrument is known as ‘holder in due course. A bona fide transferee for value is not affected by any defect of title on the part of the transferor or of any of the previous holders of the instrument. ? Rights: The transferee of the negotiable instrument can sue in his own name, in case of dishonor. A negotiable instrument can be transferred any number of times till it is at maturity. The holder of the instrument need not give notice of transfer to the party liable on the instrument to pay. ? Presumptions: Certain presumptions apply to all negotiable instruments e. g. , a presumption that consideration has been paid under it.It is not necessary to write in a promissory note the words ‘for value receive d’ or similar expressions because the payment of consideration is presumed. The words are usually included to create additional evidence of consideration. ? Prompt Payment: A negotiable instrument enables the holder to expect prompt payment because a dishonor means the ruin of the credit of all persons who are parties to the instrument. 7 2. 3. The Nature and Purpose of Negotiable Instruments Negotiable instruments represent one form of property rights, i. e. exercised over incorporeal things â€Å"chose in action. † In other words, they are property rights in relation to objects of property which do not have physical or material existence and hence which cannot be perceived by the senses. A right of action under contract is a class of property known as ‘chose in action’ and can be distinguished from a corporeal movable property/ a ‘chose in possession’ which represent property rights exercised in relation to objects which have material or phy sical existence and hence can be perceived by the senses such as a book, a table or a watch.A holder of this type of property right must have actual possession of the object to exercise rights arising there from. Rights incorporated in negotiable instruments, rights of an inventor arising out of a grant of a patent in respect of his invention, rights of a copyrights holder, and rights of a trader in respect of his trademark, trade name and goodwill are instances of chose in action. Negotiable instruments also represent one kind of contract as every instrument embodies a contract or promise to pay a certain amount of money or to deliver goods according to terms agreed up on.As contracts, the general rules of contract shall apply unless they are specifically excluded from application by the special law applicable to negotiable instruments. As a result, the requirements necessary for the formation of a valid contract must be fulfilled for issuance of a valid and enforceable negotiable instrument. Hence, the parties who sign a negotiable instrument must have capacity under the law to enter into juridical acts, i. e. , minors and judicially interdicted persons may not create a valid contract through negotiable instruments.Furthermore, as a contract, any declaration or promise made on negotiable instruments must be accompanied by the signature of the person bound by such declaration or promise. Failure to comply with the requirements as to capacity and signature may be raised as a defense against any person who claims based on the instrument even against the holder in due course who, under other cases, is considered to be free from defenses available against the person who transferred the instrument to him. The parties must give their consent, which must be free from defects such as mistake, fraud, duress.The object of the contract must also be legal and possible. Where the contract does not fulfill requirements as to consent and object, a party affected may raise i t as a defense to avoid the contract and liability under the instrument. However, because of the special nature of these instruments, such defenses cannot be raised against a person, who acquires the instrument following the rules of transfer applicable to the instrument, and in good faith. 8 The main purpose of negotiable instruments is facilitation of commercial transactions.Commercial instruments are substitutes for money and are used as means of performance of money obligations. Dealing with them reduces the risk of loss or theft and the ease with which they can be transferred creates convenience which will in turn facilitate business. Transferable securities have the purpose of raising capital in the form of contributions made by purchase of shares and bonds, which is used for starting new businesses or expansion of existing businesses thereby increasing the production of goods and services in the country.A document of title to goods, whose negotiation transfers the goods repre sented by them, creates convenience and facilitates transactions involving the goods. For instance, a person selling warehoused goods can do so by endorsing and transferring the certificate of deposit and without the need to actually deliver the objects. When we come to the specific purposes of commercial instruments, promissory notes can be used as means of borrowing money, buying goods and services on credit and as method of evidencing a pre-existing debt.Certificates of deposit can be used as a device for encouraging individuals to deposit funds in banks; in return the holder of the certificate has the right to receive interest. Bills of exchange on the other hand have the purpose of collecting accounts financing, the movement of goods, and transfer funds. Checks serve as â€Å"vehicles for transfer of money and also used to aid in keeping records, reduces the risk of loss and destruction and theft of currencies. † 9 2. 4.Types of Negotiable Instrument Section 13 of the Ne gotiable Instruments Act states that a negotiable instrument is a promissory note, bill of exchange or a cheque payable either to order or to bearer. Negotiable instruments recognized by statute are: (i) Promissory notes (ii) Bills of exchange (iii) Cheques. Negotiable instruments recognized by usage or custom are: (i) Hundis (ii) Share warrants (iii) Dividend warrants (iv) Bankers draft (v) Circular notes (vi) Bearer debentures (vii) Debentures of Bombay Port Trust (viii) Railway receipts (ix) Delivery orders. 2. 4. 1.Promissory Notes Section 4 of the Act defines, â€Å"A promissory note is an instrument in writing (note being a bank-note or a currency note) containing an unconditional undertaking, signed by the maker, to pay a certain sum of money to or to the order of a certain person, or to the bearer of the instruments. † Essential elements: 1. It must be in writing 2. It must certainly an express promise or clear understanding to pay 3. Promise to pay must be unconditio nal 4. It should be signed by the maker 5. The maker must be certain 6. The payee must be certain 7. The promise should be to pay money and money only 8.The amount should be certain; and 9. Other formalities regarding number, place, date, consideration etc. 10 2. 4. 2. Bill of Exchange Section 5 of the Act defines, â€Å"A bill of exchange is an instrument in writing containing an unconditional order, signed by the maker, directing a certain person to pay a certain sum of money only to, or to the order of a certain person or to the bearer of the instrument†. A bill of exchange, therefore, is a written acknowledgement of the debt, written by the creditor and accepted by the debtor. There are usually three parties to a bill of exchange drawer, acceptor or drawer and payee.Drawer himself may be the payee. Essential conditions of a bill of exchange: 1. It must be in writing. 2. It must be signed by the drawer. 3. The drawer, drawee and payee must be certain. 4. The sum payable mu st also be certain. 5. It should be properly stamped. 6. It must contain an express order to pay money and money alone. 7. The order must be unconditional. Bills can be classified as: ? Inland and foreign bills. ? Time and demand bills. ? Trade and accommodation bills. 2. 4. 3. Cheques Section 6 of the Act defines â€Å"A cheque is a bill of exchange drawn on a specified banker, and not expressed to be payable otherwise than on demand†.A cheque is bill of exchange with two more qualifications, namely, (i) it is always drawn on a specified banker, and (ii) it is always payable on demand. Consequently, all cheques are bill of exchange, but all bills are not cheque. A cheque must satisfy all the requirements of a bill of exchange; that is, it must be signed by the drawer, and must contain an unconditional order on a specified banker to pay a certain sum of money to or to the order of a certain person or to the bearer of the cheque. It does not require acceptance. 11Specimen of a Cheque ABC Bank Date_____________ Pay ‘A;——————————————————————————–or the bearer sum of rupees———————————————————————————only. Rs——-/A/c No———LF—–Sd/No——————— Distinction between Bills of Exchange and Cheque: 1. A bill of exchange is usually drawn on some person or firm, while a cheque is always drawn on a bank. 2. It is essential that a bill of exchange must be accepted before its payment can be claimed a cheque does not require any such acceptance. . A cheque can only be drawn payable on demand, a bill may be also drawn payable on demand, or on the expiry of a certain period after date or sight. 4. A grace of three days is allowed in the case of time bills while no grace is given in the case of a cheque. 5. The drawer of the bill is discharged from his liability, if it is not presented for payment, but the drawer of a cheque is discharged only if he suffers any damage by delay in presenting the cheque for payment. 6. Notice of dishonor of a bill is necessary, but no such notice is necessary in the case of cheque. . A cheque may be crossed, but not needed in the case of bill. 8. A bill of exchange must be properly stamped, while a cheque does not require any stamp. 9. A cheque drawn to bearer payable on demand shall be valid but a bill payable on demand can never be drawn to bearer. 10. Unlike cheques, the payment of a bill cannot be countermanded by the drawer. 12 2. 4. 4. Hundis A â€Å"Hundi† is a negotiable instrument written in an oriental language. The term hundi includes all indigenous negotiable instruments whether they be in the form of notes or bills.The word ‘hundi’ is said to be derived from the Sanskrit word ‘hundi’, which means â€Å"to collect†. They are quite popular among the Indian merchants from very old days. They are used to finance trade and commerce and provide a fascicle and sound medium of currency and credit. Hundis are governed by the custom and usage of the locality in which they are intended to be used and not by the provision of the Negotiable Instruments Act. In case there is no customary rule known as to a certain point, the court may apply the provisions of the Negotiable Instruments Act.It is also open to the parties to expressly exclude the applicability of any custom relating to hundis by agreement (lndur Chandra vs. Lachhmi Bibi, 7 B. I. R. 682). 2. 5. Parties to Negotiable Instruments 2. 5. 1. a) b) c) d) 2. 5. 2. a) b) c) d) e) f) g) h) i) 2. 5. 3. a) b) c) d) Parties to a Promissory Note Maker Payee Holder The indorser and indorsee (the same as in the case of a bill) Parties to Bill of Exchange Drawer Drawee Acceptor Payee Indorser Indorsee Holder Drawee in case of need Acceptor for honor Parties to a Cheque Drawer Drawee Payee The holder, indorser and indorsee (the same as in the case of a bill or note). 3 2. 6. Functions of Negotiable Instruments Negotiable instruments serve the following functions: ? Substitute for money ? Credit device ? Record-keeping device Most purchases by businesses and many individuals are made by negotiable instruments instead of cash. 2. 7. Endorsement The word ‘endorsement’ in its literal sense means, writing on the back of an instrument. But under the Negotiable Instruments Act it means, the writing of one’s name on the back of the instrument or any paper attached to it with the intention of transferring the rights therein.Thus, endorsement is signing a negotiable instrument for the purpose of negotiation. The person who effects an endorsement is called an ‘endorser’, and the person to whom negotiable instrument is transferred by endorsement is called the ‘endorsee’. Essentials of a valid endorsement: The following are the essentials of a valid endorsement: 1. It must be on the instrument. The endorsement may be on the back or face of the instrument and if no space is left on the instrument, it may be made on a separate paper attached to it called allonage. It should usually be in ink. 2.It must be made by the maker or holder of the instrument. A stranger cannot endorse it. 3. It must be signed by the endorser. Full name is not essential. 4. It may be made either by the endorser merely signing his name on the instrument (it is a blank endorsement) or by any words showing an intention to endorse or transfer the instrument to a specified person (it is an endorsement in full). 5. It must be completed by delivery of the instrument. The delivery must be made by the en dorser himself or by somebody on his behalf with the intention of passing property therein. 6.It must be an endorsement of the entire bill. A partial endorsement i. e. which purports to transfer to the endorse a part only of the amount payable does not operate as a valid endorsement. If delivery is conditional, endorsement is not complete until the condition is fulfilled. 14 The payee of an instrument is the rightful person to make the first endorsement. Thereafter the instrument may be endorsed by any person who has become the holder of the instrument. The maker or the drawer cannot endorse the instrument but if any of them has become the holder thereof he may endorse the instrument (Sec. 51).The maker or drawer cannot endorse or negotiate an instrument unless he is in lawful possession of instrument or is the holder there of. A payee or indorsee cannot endorse or negotiate unless he is the holder there of. 2. 8. Dishonor of a Negotiable Instrument When a negotiable instrument is d ishonored, the holder must give a notice of dishonor to all the previous parties in order to make them liable. A negotiable instrument can be dishonored either by non-acceptance or by non-payment. A cheque and a promissory note can only be dishonored by non-payment but a bill of exchange can be dishonored either by nonacceptance or by non-payment. . 8. 1. Dishonor by non-acceptance (Section 91) A bill of exchange can be dishonored by non-acceptance in the following ways: 1. If a bill is presented to the drawee for acceptance and he does not accept it within 48 hours from the time of presentment for acceptance. When there are several drawees even if one of them makes a default in acceptance, the bill is deemed to be dishonored unless these several drawees are partners. 2. When the drawee is a fictitious person or if he cannot be traced after reasonable search. 3.When the drawee is incompetent to contract, the bill is treated as dishonored. 4. When a bill is accepted with a qualified acceptance, the holder may treat the bill of exchange having been dishonored. 5. When the drawee has either become insolvent or is dead. 6. When presentment for acceptance is excused and the bill is not accepted. 15 2. 8. 2. Dishonor by non-payment (Section 92) A bill after being accepted has got to be presented for payment on the date of its maturity. If the acceptor fails to make payment when it is due, the bill is dishonored by nonpayment.In the case of a promissory note if the maker fails to make payment on the due date the note is dishonored by non-payment. A cheque is dishonored by non-payment as soon as a banker refuses to pay. An instrument is also dishonored by non-payment when presentment for payment is excused and the instrument when overdue remains unpaid (Sec 76). 2. 9. Working Definitions ? Negotiable means transferable. The negotiation that goes on refers to the transfer of the instrument between two people, or from one bank to another, or even from one country to ano ther. In the broadest sense, almost any agreed-upon medium of exchange could be considered a negotiable instrument. In day-to-day banking, a negotiable instrument usually refers to checks, drafts, bills of exchange, and some types of promissory notes. ? A Negotiable Instrument is a written order promising to pay a sum of money. ? Banking is the business activity of accepting and safeguarding money owned by other individuals and entities, and then lending out this money in order to earn a profit. 16 Third chapter: Data Collection and Limitation 17 3. 1. Sources of the Data Secondary Sources: For making this study paper, I have collected necessary data from various secondary sources, where data already exists. Because it is cheaper to use and easy to find than having to carry out the research again. Secondary information such as definitions, instruments insights and functions were collected from books of different authors, internet articles and various researches. 3. 2. Limitations of the Data Collection Every study, no matter how well it is conducted has some limitations. When making this assignment, there were also some unavoidable limitations.First, because of the limited time limit, this study was conducted only on a small amount of data. Therefore, this study is little less informative. Also lack of required data. Lack of in-depth knowledge of the topic. Finally, the complexity of the study, as well as the scarcity of related information might decrease the performance of the research. 18 Fourth chapter: Result and Discussion 19 4. 1. Findings In this study I have found a lot of essential knowledge about Negotiable Instruments that are used in banking sectors. Some of them are given below? The instruments should be freely transferable.An instrument cannot be negotiable unless it is such and in such state that the true owner could transfer by simple delivery or endorsement and delivery. ? Negotiability involves two elements namely, transferability free from e quities and transferability by delivery or endorsement. ? The holder of the instrument is presumed to be the owner of the property contained in it. ? ? All Negotiable Instruments are freely transferable. The instrument is transferable till maturity and in case of cheques till it becomes stale (on the expiry of 6 months from the date of issue). Certain equal presumptions are applicable to all negotiable instruments unless the contrary is proved. ? Finally, every negotiable instrument was made or drawn for consideration irrespective of the consideration mentioned in the instrument or not. 20 Fifth chapter: Conclusion 21 5. 1. Final decision: In this study we have understood the concept of Negotiable Instruments and how different negotiable instruments are supporting Banking Sectors. A negotiable instrument is a piece of paper which entitles a person to a sum of money and which is transferable from one person to another by mere delivery or by endorsement and delivery.The characteristic s of a negotiable instrument are easy negotiability, transferee gets good title, and also transferee gets a right to sue in his own name and certain presumptions which apply to all negotiable instruments. There are two types of negotiable instruments (a) Recognized by statue: Promissory notes, Bill of exchange and cheques and (b) Recognized by usage: Hundis, Bill of lading, Share warrant, Dividend warrant, Railway receipts, Delivery orders etc.The parties to bill of exchange are drawer, drawee, acceptor, payee, indorser, indorsee, holder, drawee in case of need and acceptor for honor. The parties to a promissory note are maker, payee, holder, indorser and indorsee while parties to cheque are drawer, drawee, payee, holder, indorser and indorsee. Negotiation of an instrument is a process by which the ownership of the instrument is transferred by one person to another. There are two methods of negotiation: by mere delivery and by endorsement.In its literal sense, the term ‘indors ement’ means writing on an instrument but in its technical sense, under the Negotiable Instrument Act, it means the writing of a person’s name on the face or back of a negotiable instrument or on a slip of paper annexed thereto, for the purpose of negotiation. A bill may be dishonored by non-acceptance (since only bills require acceptance) or by non-payment, while a promissory note and cheque may be dishonored by non-payment only. Noting means recording of the fact of dishonor by a notary public on the bill or paper or both partly.Protest is a formal notarial certificate attesting the dishonor of the bill. The term ‘discharge’ in relation to negotiable instrument is used in two senses, viz. , (a) discharge of one or more parties from liability thereon, and (b) discharge of the instrument. 22 References Michael D. Floyd. â€Å"Mastering Negotiable Instruments: Ucc Articles 3 and 4 and Other Payment Systems (Mastering Series)†. Published Jun 30, 2008 Law of Negotiable Instruments, 6th edition 2007 – By Tan Peng Chin LLC Chapter 73 — Negotiable Instruments: http://www. eg. state. or. us/ors/073. html DocsFiles: http://docsfiles. com/pdf_ negotiab le_instruments. html Ethiopian Legal Brief: http://chilot. me/teaching-materials/insurance-banking-and-negotiable-instruments/ FindThatDoc: http://www. findthatdoc. com/search-95781382-hPDF/download-documents-bltch19pdf. htm Wikipedia, the free encyclopedia: http://en. wikipedia. org/wiki/Negotiable_instrument Wikipedia, the free encyclopedia: http://en. wikipedia. org/wiki/Negotiable_Instruments_Act,_1881 23