Network Protocol Essay Example | Topics and Well Written Essays - 4250 words

7 Reasons to Enroll a Child in an Online Elementary School

7 Reasons to Enroll a Child in an Online Elementary School Consistently, many guardians haul their children out of customary schools and select them in virtual projects. How do online grade schools advantage kids and their families? Why are guardians so anxious to expel their children from the framework that has worked for quite a long time? Here are the absolute most normal reasons: 1. An online school gives kids the opportunity to deal with building up their interests. Two decades prior, grade younger students were given little no schoolwork. Presently, understudies frequently come back from school with long periods of worksheets, drills, and assignments to finish. Numerous guardians grumble that understudies aren’t allowed the chance to concentrate on their own abilities: learning an instrument, trying different things with science, or acing a game. Guardians of online understudies regularly find that understudies can finish their assignments quicker when they don’t have the interruption of friends to keep them down. Numerous online understudies can complete their coursework in the early evening, leaving numerous hours for children to build up their own passions.​ 2. Online schools permit children to escape from awful circumstances. Troublesome circumstances with harassing, terrible educating, or a faulty educational plan may make school a battle. Guardians unquestionably don’t need to show their children to flee from an awful circumstance. Notwithstanding, a few guardians find that selecting their youngster in an online school can be useful for both their learning and their passionate wellbeing. 3. Families can get to know one another in the wake of selecting their children in online school. Long stretches of class, after-school mentoring, and extracurricular exercises are leaving numerous families with no opportunity to spend together (beside schoolwork fits of rage). Web based tutoring lets kids total their examinations and still invest quality energy with their friends and family. 4. Numerous online schools assist kids with working at their own pace. One of the disadvantages of customary study halls is that educators must structure their guidance to address the issues of the understudies in the inside. On the off chance that your kid is attempting to comprehend an idea, he might be deserted. In like manner, if your youngster is unchallenged, he may need to sit exhausted and deadened for quite a long time while the remainder of the class makes up for lost time. Not every online school let understudies work at their own pace, yet a developing number furnish understudies with the adaptability to get additional assistance when they need it or push forward when they don’t. 5. Online schools help understudies to create freedom. By their temperament, online schools expect understudies to build up the freedom to deal with their own and the duty to finish assignments by the cutoff time. Not all understudies are up for the test, yet kids that build up these abilities will be more ready for finishing further training and joining the workforce. 6. Online schools assist understudies with creating innovation aptitudes. Innovation aptitudes are basic in pretty much every field and there’s no chance to get for understudies to learn online without creating probably a portion of these basic capacities. Online students will in general become capable with web correspondence, learning the executives programs, word processors, and web based conferencing. 7. Families have a more prominent instructive decision when they can think about online schools. Numerous families feel like they are left with not many instructive alternatives. There might be just a bunch of open and tuition based schools inside driving separation (or, for rustic families, there may just be a solitary school). Online schools open up a completely new arrangement of decisions for concerned guardians. Families can browse state-run online schools, increasingly autonomous virtual contract schools, and online non-public schools. There are schools intended for youthful on-screen characters, talented students, battling understudies, and that's only the tip of the iceberg. Not all schools will use up every last cent, either. Openly supported online schools permit understudies to learn without charge. They may even give assets like PCs, supplies, and web get to.

Worlds Highest-Paid Authors 2018 Critical Linking, December 14, 2018

Worlds Highest-Paid Authors 2018 Critical Linking, December 14, 2018 Sponsored by Book Riots 10 Best Nonfiction Books of 2018 Giveawayenter here! The world’s 11 highest-paid authors sold 24.5 million print books combined in the U.S. during our scoring period, logging $283 million. The prolific James Patterson takes first place, earning $86 million and selling 4.8 million books in the U.S. alone, according to NPD BookScan, which tracks 85% of the domestic print market. Those are some mind-boggling numbers. But its not a surprising list.   ____________________ This year I read mostly while nursing. My daughter was born in January, and those short winter days gave way to long nights spent with her sleeping against my chestâ€"a tiny burrito in zip-up pajamas, her rhythmic breath against my neckâ€"or waking up to eat, nearly falling asleep in that primal bliss, with the radiator hissing and clanking behind us, my finger stroking her cheek to wake her up again. I read so much about motherhood. Or maybe it was that everything I read seemed to be about motherhood. Grad school had taught me new ways to read, through various theoretical lenses, and so did my daughter. She taught me how to read with one arm, in stolen chunks of time, in half-delirium, in the long hormonal soup of the fourth trimester. A really lovely essay by Leslie Jamison on reading while nursing.   ____________________ Pretend To Compete In A Pageant And Well Tell You Which Dumplin' Character Should Be Your BFF. I got Ellen. HBU? Sign up to Today In Books to receive  daily news and miscellany from the world of books.

Theories on Crime - 1253 Words

Theories on Crime: The field of criminology is basically described as the study of crime through which the causes, prevention, and correction of offenses are examined. While this process can be extremely difficult, especially for students, the analysis of the causes of crime is significant to sociology and criminology. The difficulties associated with the study of crime originate from the numerous challenges in developing theories that explain human behavior. In relation to crime, human behavior varies because participants differ in backgrounds, experiences, and characteristics. However, several criminologists and other social scientists have made important contributions in explaining criminal behavior. These contributions have mainly involved the establishment of several theories on crime that focus on various aspects of criminal behavior. Some of the major theories on crime include classical, positivist, individual trait, sociological, and integrated theories. Sociological Crime Theories: The sociological crime theories emerged from attempts by criminologists and sociologists in their evaluation of criminal behavior and other elements of criminal justice systems (Reid, 2008, p.96). However, the sociological theories and crime have contributed to the emergence of much disagreement because of the complications associated with social science theory. Generally, sociologists examine the causes of crime from structural and procedural perspectives that influence criminalShow MoreRelatedThe Theory Of Crime And Crime1260 Words   |  6 PagesResponse Paper Crime in the 20th century has become one of the most widely studied areas of research. Today, I am going too briefly outline some of the theories of crime that are used to study the subject. What I will be evaluating these theories against will be small scale property crime such as theft. Classical theory states that crime is committed when there are more benefits to committing the crime than punishments. It also states that crime is a choice and is done with free will (BeccariaRead MoreThe Theories Of Crime And Crime1271 Words   |  6 PagesSince long time immemorial, many of people figured out explanations and theories about crime and those circumstances what encourage people to become criminals. Researchers of crime have looked of issues from different approaches, such as biological, psychological, and sociological. These developed thoughts created a fundamental basis of the criminology as a science and become to one of the most important issues of discipline. Furthermore, they figured out thoughts about who are criminals and howRead MoreThe Theory Of Crime And Crime2709 Words   |  11 PagesIntroduction The term of crime represent an unlawful act punished by the state. Crime is something that is against the law. The common use of the term ‘Crime’ makes it main to define the limitations which construct it however, doing so is not simply a matter of common sense. There are a number of complex political and economic forces which help to define crime in practice within a specific society. The most commonly accepted definition of crime is ‘an act that is capable of being followed by criminalRead MoreThe Theory Of Crime Theory1329 Words   |  6 PagesProbably the single most influential and certainly the best-known crime theory among all the sociological theories of crime is that of strain theory. Strain theories argue that there are certain socially generated pressures or forces that drive people to commit crimes. More specifically, the classic strain theories argue that people, particularly those of lower class status are pressured into crime when they are prevente d from achieving cultural goals like monetary success or middle-class statusRead MoreThe Theories And Theories Of Crime1625 Words   |  7 PagesIntroduction It is largely accepted that a comprehensive theory of sexual offending is likely to be multifactorial in nature and not one single origin or cause. The theory should take into account how developmental experiences, social and cultural learning, and biological mechanisms combine to create offending vulnerabilities. Causal factors such as: deviant sexual preferences, empathy deficits, intimacy problems, emotional disregulation and distorted beliefs or values usually all contribute andRead MoreCrime Theories770 Words   |  4 PagesCrime Theories Jaime Morris Professor Al CIS170-Wk.4Ass.2 11/04/12 Digital crimes are believed to be caused by different types of theories. The Strain theory could be the cause of digital crimes because the strain of everyday life. The Strain theory is a sociological theory. The strain of an individual’s everyday life is causing people to â€Å"give in† to the pressures in society. Some of these individuals feel that they can’t survive without crime. Strains such as peer pressureRead MoreCrime Theories766 Words   |  4 PagesVarious Theories of Crime Causation vickie murphy AIU online E.Hale 2/19/12 Abstract Within this paper we will discuss the merits of the idea that genetics are a source for criminal behavior. As well as some of the strengths and weaknesses of the evidence surrounding genetics and crime and In closure what would be some of the repercussions in the criminal justice field if the existence of the criminal gene is proven to be true. Theories of Crime Causation To begin to understand theRead MoreCrime Theories739 Words   |  3 PagesStrain theory as it relates to digital crime involves the feeling of people in the lower and middle social classes that they do not have equal opportunities or access to those same educational and occupational opportunities. Instead of pursuing legal means to increase their wealth, some of the people who commit white collar crimes are those from the lower and middle classes who are stressed and strained due to finances and their jobs. (Robert W. Taylor, 2011) According to the strain theory, individualsRead Moretheories of crime2411 Words   |  10 PagesTABLE OF CONTENTS Introduction †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..1 Differential association theory†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.2 Anomie theory†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦5 Conclusion†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.11 References †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..13 INTRODUCTION The crime rate is on the rise in Kenya some theories try to define these rising criminality in Kenya. Anomie theory and differential association theory best explain the rising criminality in Kenya like for example in Kenya many individualsRead MoreThe Theory Of Crime Causation Theory1648 Words   |  7 PagesIntroduction Within this document, we will examine Social Bonding theory. We will define what that theory is, then explain why crimes occurs and the reason why crime causation theory is currently relevant and effective. Since this is important to the public safety organization, we hope that when the document is complete, we will have a better understanding of crime causation and if there are additional ways to identify how it may be applied to circumstances on and off the job. But, we also need to

Symptoms And Treatment Of Breast Cancer - 1575 Words

Cancer is among one of the most deadly diseases along with diabetes to set foot on this planet. Breast cancer is the most common for women and has accounted for more than 190,000 diagnoses in the year of 2009 alone (Susan, 2009). Treatment advances have been taking into action and further research has been done to minimize the total amount of patients in treatment. Even then, Cost of treatment has been a factor to some patients because those seeking medical attention are not aware of the expenses up front. While bladder cancer has become increasingly more expensive, is has reached from four billion $USD and now estimated to about five billion by 2020 (2014). Minor setbacks have been present when dealing with radiation therapy (RT) and chemotherapy (CT). Radiation toxicities have been common with RT, therefore, patients experience some sort of symptoms. Treatment objection highly depends on the area of the tumor as well as the stage. According to Scandinavian Journal of Caring Science s (2012) Living with side effects from cancer treatment – a challenge to target information. â€Å"Chemotherapy for breast cancer or colorectal cancer inï ¬â€šuences nutrition due to nausea and vomiting†. Patients addressed that they were informed about their medical disease and treatment but less informed about coping with the disease at home. Inadequate examination into a patient’s personal situation and individual needs may lead to distress. Studies of nine patients was conducted at the departmentShow MoreRelatedSymptoms And Treatment Of Breast Cancer Essay1361 Words   |  6 Pagesnot take medication for it; rather, she controls it through her diet. My mom had breast cancer six years ago and underwent a mastectomy and chemotherapy. The cancer is in now in remission and she made a full recovery. She does have chemotherapy induced peripheral neuropathy in her hands, legs, and feet, so she experiences pain, tingling, and numbness, which she manages with pain medication. Other than breast cancer, she has not had any other major health concerns. She has been retired for five yearsRead MoreSymptoms And Treatment Of Breast Cancer Essay1473 Words   |  6 Pages INTRODUCTION: Breast cancer is an unfortunate reality that plagues nearly 12 percent of women in the United States. 1 After being diagnosed with metastatic breast cancer, the 5 year survival rate diminishes to 22% according the Cancer Treatment Centers of America.2 All types of cancer treatments are associated with certain problematic side effects. In many cases the side effects from the treatments are the main cause for decrease in the overall quality of life and function for the patient. TheRead MoreSymptoms and Treatment of Breast Cancer Essay767 Words   |  4 PagesSymptoms and Treatment of Breast Cancer Breast cancer is the most common malignancy among women and has the highest fatality rate of all cancers affecting this sex. It is the leading cause of death among women aged 35-54. In 1999 an estimated 175,000 women were diagnosed with breast cancer. That is one woman every three minutes. At the same time 43,000 will die, at the rate of one every two minutes. The incidence of men diagnosed with breast cancer is rare, however it does occur. ApproximatelyRead MoreSymptoms And Treatment Of Breast Cancer1377 Words   |  6 PagesFibrocystic Condition Fibrocystic condition, commonly referred to as fibrocystic disease, is known to be the most common lesion found within the breast tissue. In comparison with breast cancer, this lesion is often painful and can often produce multiple lesions throughout the breast tissue. The lesions are known to fluctuate in size most often around the premenstrual phase, which is also when most pain is experienced (Giuliano, 2014). Fibrocystic condition is most common in women age 30 to 50Read MoreSymptoms And Treatment Of Breast Cancer Essay1032 Words   |  5 PagesBreast cancers are classified by several classifications as: - Histopathology - Grades - Stages - Receptor status. Each of these influences the prognosis and can affect treatment response. Description of a breast cancer optimally includes all of these factors: †¢ Histopathology: Breast cancer is usually classified primarily by its histological appearance. Most breast cancers are derived from the epithelium lining the ducts or lobules, and these cancers are classified as ductal or lobular carcinomaRead MoreSymptoms And Treatment Of Therapeutic Therapy For Patients With Multiple Sclerosis s Lymphoma And Breast Cancer1328 Words   |  6 Pagescells.[1,2] It is licensed for use in UK in the treatment of leukaemia, Non-Hodgkin’s lymphoma and breast cancer which has spread to other organs (metastasis)[3]. It can also be used in non-resectable primary hepatocellular carcinoma (liver cancer which has not metastasised, but cannot be removed by surgical intervention).[3] Dosages for these indications tend to be around 12mg/m2 of body surface area (BSA), and is administered in cycles of treatment due to mitoxantrone’s cell cycle non-specificityRead MoreInformative Breast Cancer Speech Essay899 Words   |  4 PagesInformative Speech: Breast Cancer Attention Getter: What do Sheryl Crow, Judy Blume, Suzanne Somers, Wanda Sykes and my Mother have in common? They are all breast cancer survivors. Topic Disclosure: Today I am going to talk to you about breast cancer information and awareness Preview: During my speech I will discuss: * Symptoms and Diagnosis * Treatment and Side effects * Ways to lower risk and Statistics Audience Link: There is a large amount of men and women who are diagnosedRead MoreOrgan Specific Cancer Treatments. Certain Advanced Cancer1068 Words   |  5 Pagesspecific cancer treatments Certain advanced cancer hospitals manage cancer in an organ specific way, and accordingly oncologists are reserved for treating cancers affecting specific organs only. Accordingly, oncologists have successfully treated breast cancer, head and neck cancer, gynecological cancer, orthopedic cancer, lung cancer, neuro cancer, and liver cancer. Understanding each organ specific cancer and the treatment available for it Breast Cancer It is the commonest of cancers affectingRead MoreBreast Cancer Is A Fascinating Disease That Takes The Life1318 Words   |  6 PagesBreast cancer is a fascinating disease that takes the life of thousands of women every year. It is one of the leading causes of death for women in their middle ages. First, the definition of cancer is uncontrolled division of cells cancerous cells in the body. Therefore, breast cancer is caused by uncontrolled growth of cancerous cells in the breasts. Breast cancer has been noted in history for thousands of years. The ancient Greeks first discovered the disease about 3,500 years ago (Mandal, 2013)Read MoreBreast Cancer : A Disease That Comes Unexpectedly Essay1072 Words   |  5 PagesBreast cancer is a disease that comes unexpectedly; many people tend to overlook the symptoms. There are different types of breast cancers that require treatments and surgery. The course of treatment varies from patient to patient because there are many factors that can contribute to a patient’s treatment plan. Once the plan is in place, there are many things that will need to be done in order to ensure that the cancer will not return. Trying to beat cancer can be a long, extraneous, and in some

Mobilization of Deposits Free Essays

Topic: â€Å"Mobilization of deposits in banking system of Pakistan† Submitted to: Ma’am Bushra Submitted by: Muhammad Mumtaz (09-arid-929) Tayyab Sultan (08-arid-387) Muhammad Sohail Zafar (09-arid-934) Farhan Ahmed (08-arid-402) ACKNOWLEDGEMENT Thanks to Almighty ALLAH who had made us able to complete this project with the true knowledge. Special thanks are due to our respected teacher Ma’am Bushra Zulfiqar who have shown us the right way to go for our project to success and enlightened our mind with the tips and guidance to think creatively. We are thankful to our friends, who help us a lot during this course of project. We will write a custom essay sample on Mobilization of Deposits or any similar topic only for you Order Now Table of content: 1) Deposit——————————————————————————-4 2) Current Accounts——————————————————————-4 3) HBL Freedom Account————————————————————4 4) HBL Business Value Account—————————————————-4 5) Term Accounts———————————————————————-5 6) HBL Advantage Account———————————————————-5 7) Investment Plus Deposit————————— ——————————–5 8) Savings Accounts————————————————– —————–5 9) PLS – Savings Account—————â₠¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€-6 10) Remittance Munafa Plus Savings Account—————————————6 11) Foreign Currency Accounts———————————————————7 12) Mobilization of deposits————————————————————-8 13) HBL Car Loan—————————————————— ——————8 14) HBL Car To Car——————————————— Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€œ9 15) HBL Credit Card———————————————————————10 16) HBL Home Loan———————————————————————11 17) HBL INVESTMENT BANKING———————————– ————–13 18) HBL Zarai Banking——————————————————————14 19) MCB Islamic banking————————————————â⠂¬â€Ã¢â‚¬â€- ——–17 20) Al-Makhraj Saving Account————————————————— —–17 21) IANAT Account———————————————————————–18 22) Al Makhraj Term Deposit————————————————————20 23) Ijarah————————————————————————————20 24) Murabahah——————————————â€⠀Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€œ ———-21 25) Diminishing Musharika Equipment————————————————-21 Abstract: Banks generally adopt following strategies to mobilize their Deposits in two categories 1-  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Demand Deposits which are payable to the owner on demand i. e Savings Accounts Current Account etc. 2-  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Time Deposits. These are Fixed Deposit for various tenors ranging from month to 10 years and are payable at maturity. * Banks accept Deposits from institutions like Government institutions, public ltd and Private limited companies and Trusts etc. * Banks accept Deposits from general public by launching various Deposit schemes catering the needs of every segment of society and offer attractive Profit rates on these schemes. * For example HBL offers HBL Money club Account to kids up to the age of 18 and offer ATM Card (with restricted Limit) and attractive Profit Rates up to 7. 55% to attract the youngsters who will subsequently prefer to maintain their Account with HBL till life time. For Businessmen who frequently transfer money to and from their Accounts to make their business payments HBL offers Freedom Account in which they can make Drafts of unlimited Number and amount and free online funds transfer by maintaining minimum daily balance of Rs. 25,000. 00/- only. This strategy attracts huge numbe rs of businessmen to HBL which has competitive advantage of largest Network of branches in every city of Pakistan with online facility. * For customers mostly businessmen who want profit on daily basis HBL Offers HBL Daily Progressive Account on which profit is calculated on daily basis and credited into customers Accounts at month end. * Similarly to encourage the remittances by expatriates through banking channels HBL offers RMPA Remittance Plus Munafa Accounts. * HBL mobilizes its deposits in the form of investments in projects and give loan to corporations as well as to the consumer. HABIB BANK LIMITED: DEPOSITS: There are different types of deposits account. Current Accounts: Make unlimited transactions while maintaining a low minimum balance every month. Current Account of HBL: * Minimum balance of Rs. 5,000 * Unlimited transactions * Non-profit bearing * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities * Funds transfer to any bank through HBL Phone Banking Basic Banking Account (BBA): * Can be opened with only Rs. 1,000 * No minimum balance requirement * Up to 2 withdrawal and 2 deposit transactions free every month * Unlimited withdrawals through HBL Debit Card * Non-profit bearing HBL Freedom Account: Use your money as you please with HBL Freedom Account. Rest free from worries and expand your business with unmatched accessibility. HBL Business Value Account: * No minimum balance requirement * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities * Unique transactional account for Businessmen * Up to 10 Bankers Cheques free (at minimum balance of Rs. 500,000) * Profit calculated daily, paid every quarter * Up to 5. 35% profit per annum * Funds transfer to any bank through HBL Phone Banking. * Nominal monthly maintenance charge of Rs. 50 Term Accounts: Invest your savings in our term deposits for a fixed duration and earn profit while keeping your savings secure. HBL Advantage Account: | | |   | | | | | | | | | Term| Profit per annum| 1 Year | | 12. 00%| | 3 Year | | 14. 00%| | 5 Year | | 15. 00%| | 10 Year | | 18. 00%| | | | |   | †¢ | Multiple options for tenure and profit payout. | †¢| Loan facility up to 90% of investment. | †¢| Minimum investment of Rs. 25,000. | †¢| Withdrawal at end of fixed term. | Investment Plus Deposit: * Profit paid at maturity * Minimum investment of Rs. 20 million| * Multiple options for tenure and profit payout| * Withdrawal at end of fixed term * Account for Institutions| Savings Accounts: Avail the flexibility of making transactions while earning profit on daily/monthly basis. HBL Value Account: * 7. 19% profit per annum| * Profit calculated monthly, paid every quarter| * Deposit ranges from Rs. 10,000 to Rs. 1,000,000| * Two withdrawals free every month| PLS – Savings Account: * 5. 06% profit per annum| * Profit paid bi-annually| * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| * Unlimited transactions| Remittance Munafa plus Savings Account: * Special account for receiving foreign remittances| * 5. 12% profit per annum| * Profit paid every month| * Minimum balance of Rs. 20,000| Daily Munafa Account: Profit calculated daily, paid every month| * Up to 8. 84% profit per annum| * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| Daily Progressive Account: * Unique transactional account for Institutions| * Profit calculated daily, pai d every month| * Up to 11. 57% profit per annum| * Inter Branch Transaction System (IBTS) facility| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| Foreign Currency Accounts: HBL offers Foreign Currency Accounts in multiple currencies as savings and term accounts. FC-SB: Savings Account offered in 3 currencies, USD (US dollar), EUR (Euros) and GBP (UK pound)| * Tiered product, with rates depending on choice of currency| * To earn profit, minimum balance should be 1000 USD, EUR or GBP| * Interest is payable on a quarterly basis| HYFFD (High Yield Foreign Currency Fixed Deposit): * Available in 1 month, 2 month, 3 month, 6 month and 12 Month in USD, EUR | * Tiered product, with rates depending on choice of currency and term| * Profit paid on maturity only. | Mobilization of deposits: HBL CAR LOAN: HBL CarLoan helps you get your preferred car through a simple and hassle-free process, backed by superior service and support. Now you can drive a ca r you always wanted. Features: * Choice of used, new local/imported and reconditioned imported car. * Repayment options ranging upto 7 years. | * Up to 85% of financing for the car of your choice. | * Insurance at all times for complete peace of mind and security. | * Round the clock support available through HBL Phone Banking you can place your requests and queries, track the status of your repayment/loan account and avail other value-added services through HBL Phone Banking. | Eligibility criteria: | Salaried Individuals | Self-Employed Business persons/ Professionals | Citizenship| Pakistani| Pakistani| Age| 22-60 years | 22-65 years | Minimum monthly income| Rs. 20,000 | Rs. 25,000 | Documentation: Salaried Individuals | †¢ | Copy of CNIC | | 2 recent passport size photographs| †¢| Latest original salary slip and personal bank statement for last 3 months| | Self-Employed Business persons/Professionals| †¢ | Copy of CNIC | †¢| 2 recent passport size photograph s| †¢| Bank statement for last 6 months and bank letter confirming details of account| †¢| Proof of business| | HBL Car To Car:| HBL Car To Car is a revolutionary car financing offer. It makes the car of your choice affordable and practical with a buy back guarantee. HBL CarToCar offers matchless features and unique options at the end of the lease. Now you can drive a new car at the end of every two years. Features: Affordability: With HBL Car To Car, you only have to pay the difference between the car price and the pre-agreed residual value to the bank. As a result, the monthly installment may even be 40% to 50% less than that of conventional financing Upgrade of lifestyle: HBL gives you the guarantee that if you wish to return the car to us at the end of the lease term, you will not have to pay off the car’s residual value. Instead, we will directly settle this outstanding liability for you under the buy back guarantee. Hence, you can upgrade to a new car as frequently as two years* without any complication and hassle. Pay only for what you use:When you lease a car under HBL Car To Car, you only pay for that part of the car’s value that you use during the lease term. The car’s residual value* (forecasted for the end of the specific lease term) is agreed with you at the start of the lease term. This amount is deducted from the car price thus lowering the finance amount. This finance amount is based only on a part of the car’s value and not the full value of the car. Therefore, HBL CarToCar offers very low installments as compared to any conventional financing. |   | .| Flexibility| | HBL Car To Car offers you several choices at the end of the lease term:| * Upgrade – Simply return the car to HBL and drive a new one home | | * Walk away – Return the car to HBL and end the lease| | * Buy – Keep the same car. Just make a one-time settlement of the car’s residual value to HBL or pay the same in easy installments over a specified extended period of time| | * Sell – Enjoy the gain from selling off the car at a higher price in the market than what you ay HBL as the residual value| Eligibility criteria: | Salaried Individuals | Self-Employed Business persons/ Professionals | Citizenship| Pakistani| Pakistani| Age| 22-60 years | 22-65 years | Minimum monthly income| Rs. 20,000 | Rs. 25,000 | Documentation: Self-Employed Business persons/Professionals †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| †¢| Bank statement for last 6 months and bank letter confirming details of account| †¢| Proof of business| Salaried Individuals | †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| | Latest original salary slip and personal bank statement for last 3 months| | | | HBL Credit Card:| Welcome to a world of convenience and flexibility. Accept ed at over 29 million merchants worldwide, HBL Credit Card makes shopping fun and paying simple. So make the most of your shopping experience. Gold Card|   | Green Card| Rupees| Minimum gross salary requirements| Rupees| 50,000| | Salaried individuals| 15,000| | 180,000| | Self-employed business persons/professionals| 25,000| | | Rupees| Credit limit range| Rupees| 150,000| | Minimum| 20,000| | 500,000| | Maximum| | | | HBL Home Loan:| HBL Home Loan offers financing options to purchase a new house or renovate an existing house. Outright purchase: The outright purchase loan option provides financing for buying a new house. Home improvement: Home-improvement loan option provides financing for renovating your house. Outright Purchase| Descriptors| Home Improvement/ Renovation | 3 years to 20 years| Loan tenure| 3 years to 20 years| Rs. 300,000 – Rs. 15,000,000| | Loan amount| Rs. 300,000 – Rs. 5,000,000| | 85%| | Maximum financing amount (as % of appraised value of the property)| 70%| | 5 years| Property lease (years remaining at the time of loan maturity) | 5 years| Borne by the Bank| | Property insurance| Borne by the Bank| | Primary applicant and co-borrower| | Life insurance through HBL by the insurance company on HBL panel)| Primary applicant and co-borrower| | Eligibility criteria: | Salaried Individuals| Self-Employed Business Persons/ Professionals| Nationality | Pakistani (resident) | Pakistani (resident) | Age criteria of the main applicant and co-borrower whose income is being clubbed (spouse only)| | Permanent employees Minimum age at the time of loan application should be 21 years. Maximum age at the time of loan maturity should be 60 years. Contractual employees Minimum age at the time of loan application should be 21 years. Maximum age at the time of loan maturity should be 55 years | Minimum age at the time of loan application should be 21 years. Maximum age at the time of loan maturity should be 65 years. | | Length of Employment| | Permanent employees Minimum 1 year experience; 6 months experience with confirmed employment status in the current job. Contractual employees Minimum 2 years work experience. Third party contractual not eligible. | Minimum 2 years experience in personal business| | | Documentation:| Salaried Individuals| | * CNIC copy * 2 passport size photographs * Letter from employer * 2 latest salary slips or salary certificate * Bank statement for last 6 months and bank letter confirming details of account * Copies of property documents| | Self-Employed Business Persons/ Professionals| CNIC copy * 2 passport size photographs * Proprietorship: Bank Certificate / Latest Tax Assessment Order * Latest one year bank statement * Partnership Deed * Registered Form C * Memorandum, Article of association and registered Form 29 A (applies to company directors) * Copies of property documentsSchedule of bank charges: Ap plication processing charges (including 16% FED)| Rs. 7,000/- (non-refundable)| Early settlement charges | 4. 7% of outstanding principal | Partial payment charges | 4. 7% of adjusted principal | Late payment charges | Rs. 700 (for each late payment) | Property evaluation fee | Actual cost plus 16% FED to be recovered | Legal fee | Actual cost plus 16% FED to be recovered | | HBL INVESTMENT BANKING: HBL offers full-service Investment Banking capabilities to its clientele. This year alone, HBL has closed over thirty transactions with a cumulative worth of over USD 2 billion. This is a testament to the out-of-box thinking and the innovative products we bring to our customers. The Investment Banking Group functions in three specialist business areas: Project Finance, Debt Capital Markets Syndications and Equity Capital Markets Advisory. Project finance: The bulk of HBL’s project finance practice revolves around the power sector. Prior to the power policy of 2002, HBL actively pioneered Project Finance in Pakistan through the funding of a gas-fired co-generation plant (94 Megawatts of power and desalination of 3 million gallons per day). Subsequent to the 2002 power policy, HBL continues to play a fervent role in the sector and is the only Investment Bank that was Lead Advisor to all IPP transactions that achieved financial close. In the fertilizer sector, HBL financed the largest local currency financing in Pakistan, worth PKR 23 billion, as well as a green field venture in the telecom sector worth PKR 12 billion. Debt Capital Markets Syndications: Depending on the requirements of its customers, HBL offers a variety of products, including syndications, securitizations, privately placed and listed TFCs, term finance facilities, commercial papers, etc. HBL played the lead role in a number of significant debt transactions, including PKR 15. 14 billion TFC issue (the largest privately placed issue in Pakistan), the first bond offering for any microfinance institution in all of Asia, credit enhancement for a rapidly growing company in the consumer durables sector and numerous tier-2 capital transactions for commercial banks. Equity Advisory: HBL offers a breadth of equity and advisory products including innovative capital raising techniques, restructurings, public and private equity placements and mergers acquisitions. The HBL team played a pivotal role across several sectors, including energy, agriculture, consumer products, fertilizers, etc. , for raising various forms of equity and quasi-equity. Recently, HBL structured a convertible debt note with a built-in Put feature for a US-based provider of agriculture technology and dairy solutions – a first of its kind transaction in Pakistan. HBL also provides valuation for a company in the food and beverages sector. HBL ZaraiBanking: HBL ZaraiBanking facilities are spread across the country and provide financing through more than 800 of our branches. HBL’s presence in all agriculture belts of the country ensures easy access to farmers in rural areas. HBL ZaraiBanking provides loans to small-scale land owning farmers as well as large institutionalized and alliance based finance, enhancing agricultural harvest and, in turn, economic output of the country. Products: HBL ZaraiBanking enables farmers to invest in premier quality seeds, fertilizers, pesticides, agricultural implements and non-farm setups through its various product programs. Crop Inputs: Crop specific finance for purchase of Agri inputs such as seed, fertilizer, pesticide and other related inputs. Farm Implements: Finance available for purchase of farm implements machinery like combined harvester, sprayers, ploughs, tube wells and other crop-related tools/implements. Tractors/Agricultural Vehicles: Finance available to individual farmers, self-employed tractor operators, providing the option to select vehicles from a range of different manufacturers. Livestock: Finance available for feed, medicines, raw material, raising charges and other related activities. Poultry: Finance available for all poultry related activities including poultry farm construction/equipment, hatchery plant machinery, poultry feed, poultry medicines, composite feed production, poultry processing and other related activities. Fish Farming: Finance available for inland fish farms as well as deep-sea fishing. This includes procurement of boat, fish locating equipment, nets ropes, ice maker, fish farm water solution, hatchery construction/equipment, purchase of medicines / feed and other related activities. Group Lending: Joint finance facility for a group of farmers with small land holdings for working capital requirement. MCB Islamic banking Islamic Banking Division was formed with effect from 1st January 2003, which in a short span of time, has developed sufficient expertise, necessary infrastructure, information technology, and manpower to run Islamic Banking Operations and offer Islamic Banking Products. Mission statement: To play a dynamic role in promotion of Islamic Banking and win customers trust by providing sharia compliant financial services. Vision: To become a leader among Islamic Banks of the country in the coming years capturing major share of the domestic Islamic financial market. Al-Makhraj Saving Account: The minimum deposit requirement for Al-Makhraj Saving Account is only Rs. 5000 and profits can be earned 6-monthly. Other features associated with this product are as follows: Minimum Initial Deposit: Rs. 5000 Islamic Tools used in designing the product: Mudaraba/ Musharaka Product to be availed by: Individuals Joint Account Holders (Local) Companies, Corporate, Trusts, etc Special Advantages: For Customer = Bi-Annual Profit Payment; Withdrawal Facility Shariah = Meets requirements for Shariah Compliance Additional Features: | * Personalized Cheque books| * Withdrawal Facility from ATM/ Debit Card| | * Online deposit as per bank’s policy| | * Virtual Banking| | * Call Centers Facilities| | * 6-monthly profit payment on the basis of monthly declared rates| | * Issuance of duplicate statement of account (as per SOBC )| | * Free bank balance certificates (once in 6 months)| | * Taking stop payment/ hold mail/ standing instructions| | * No penalty if balance falls below minimum level. | | * Personal financial consultancy services (regarding Shariah Compliant products)| | * Utility bill payment via ATM card| | * Choice of statement frequency (as per Schedule of Charges)| IANAT Account: For customers who are looking for a chequing account that gives them the ease of doing unrestricted number of transactions, we offer Al-Makhraj Ianat Account. With a minimum of only Rs. 10,000, Ianat Account may be opened. With all the features and facilities that this product offers, it is highly recommended for management of business funds. Details of the product are as follows:| | 1| Minimum Initial Deposit: Rs. 10,000| 2| Product to be availed by: Individuals ; Joint Account Holders (Local), Companies, Corporate, Trusts, etc| 3| Additional Features: | | A| Personalized Cheque books| | B| Withdrawal Facility from ATM/ Debit Card| | C| Online deposit as per bank’s policy| D| Debit card; Utilities payment via ATM card| | E| Virtual Banking| | F| Call center facilities| | G| Free bank balance certificates (once in 6 months)|   | H| Taking stop payment/ hold mail/ standing instructions|   | I| Issuance of duplicate statement of account (as per Schedule of Charges)|   | J| Choice of statement frequency (as per Schedule of Charges)|   | K| No penalty if balance falls below minimum level. | 4| Banking Network: IBD’s Branch only| | Al Makhraj Term Deposit: A minimum of Rs. 25,000 is required for investment in Al-Makhraj Term Deposit. Choice of tenors can be made from a list of options namely 1, 3 ; 6 months, 1 or 2years. Profit payment options available to customers are monthly, quarterly and/ or at maturity. Details of the product are as follows: * Minimum Deposit: Rs. 25,000| * Islamic Tools used in designing the product: Mudaraba/ Musharaka| * Tenors Available:1 mth, 3 mth, 6 mth, 1 yr or 2 yrs | * Product to be availed by: Individuals ; Joint Account Holders (Local), Companies, Corporate, Trusts, etc| * Special Advantages: | | * For Customers = Profit Payment Options customized to suit needs of customers; Minimum Deposit requirement’s lower than most banks so it is more accessible/ affordable for people | | * Shariah = Meets requirements for Shariah Compliance | | * Additional Features: | | * Call center facilities| * Taking hold mail/ standing instructions for profit payments etc| | * Personal financial consultancy services (regarding Shariah Compliant products)| Profit Sharing Ratio on Al-Makhraj Account: Profit Sharing Ratio on Al-Makhraj Riba-Free Savings ; Term Deposit   Accounts is : Rabbul Maal (Depositor)|   Ã‚  70%| Mudarib (Bank)|   Ã‚  30%| MCB offers 3 broad Islamic fund based facilities: * Ijarah * Mudarabah * Diminishing Musharika Equipment Ijarah: MCB’s Islamic Ijarah, analogous to the English term ‘leasing’, is based on the ‘Ijarah wa Iqtina’ concept which means the sale of the asset to the lessee (customer) after the Ijarah has matured. Under this scheme, MCB will be the owner of the asset, and you (lessee) will be given the asset to use How to cite Mobilization of Deposits, Essay examples

The Ones Who Walk Away Analysis Essay Example

The Ones Who Walk Away Analysis Paper The Ones Who Walk Away From Meals by Lee Cuing When you exist in this life, how many times you ask yourself: if this happens, what should I do? . I bet it is countless. There are so many authors use the what ifs sentences in their articles, and the short story The Ones Who Walk Away From Meals by Lee Cuing is the one. If its rain this morning, I dont go to school. This is an example of what ifs sentence which usually presents the reasons for something happened. In the story The Ones Who Walk Away From Meals, Lee Cuing uses a series of what Ifs to presents the reasons for what happened in Meals. For example, she states: If the child were brought up Into the sunlight out of that vile place, If It were done, In that day and hour all, the prosperity and beauty and delight of Meals would wither and be destroyed. , and also If the child could be released, It would not get much good of its freedom: a little vague pleasure of warmth and food, no doubt, but little more. One other reason that makes The Ones Who Walk Away From Meals becomes unusual is the way Lee Cuing creates a very short what ifs sentence. For example, she states: If you cant lick me, join me. If it hurts, repeat it. , or If so, please add an orgy. If an orgy would help, dont hesitate. . This makes a very powerful impressed to the readers. When I read the first paragraph, it seems like Lee Cuing draws a beautiful picture in my mind: Meals, bright-towered by the sea. The rigging of the boats In harbor sparkled with flags. In the streets between houses with red roofs and painted walls, between old moss-grown gardens and under avenues of Reese, past great parks and public bulging . I can Imagine Meals look Like a village which Is full of (Lee 2) peace in a fairy tales, where princes and princesses came from. Ive never seen a picture like that in any essay. A normal essay usually is the form which authors use to show personal points of their view. But when I finish reading The Ones Who Walk Away From Meals, I dont see any Lee Guns opinions about why people decide to leave Meals. We will write a custom essay sample on The Ones Who Walk Away Analysis specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on The Ones Who Walk Away Analysis specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on The Ones Who Walk Away Analysis specifically for you FOR ONLY $16.38 $13.9/page Hire Writer She only tells how the child is confined, how people believe in the story about the confining child, ND how people feel after they see the child, but they cant help. I have to find the reasons that make people leaving Meals myself, and not sure if others have the same thought with me. This is a little success of Lee Gull to make the reader think about her story again and again after closing the book. By the way telling the tragedy about a confining child In Meals, Lee Gull uses her Imagination to create a story contains a metaphor for why do people avoid responsibility and walk away without doing anything to help the suffering. She breaks all ten rules to write an essay. Real evidences, real examples, Ana real Images are required in a success essay, which gives a clear answer for every topic the authors want to talk about. Open by the Joyous and cheerful scene of the Summer Festival, and end with the image of people silently leave Meals. Two opposite pictures in one short story. Lee Cuing doesnt tell why people walk away from Meals, where they go, and what next. By the open-ending, the readers can draw their own conclusion, this is a big different from a normal essay.