The Effects of Online Banking Example

Essays on The Effects of Online Banking PowerPoint Presentation ï » ¿The Effects of Online Banking Prologue There has been global awareness that our environment is endangered. All the spheres of human activity have started incorporating measures that would help reduce the pressure on our environment. The corporate world has also been bitten by the bug to preserve mother Earth. The concept of online banking is seen by many as a step towards providing a safer and greener earth to our progeny. The banking sector plays an essential role in any nations economy .Consequently if this sector adopts measures that reduce the negative impact on nature and help preserve environment then the other business are more likely to respond to the global concern regarding the issue of conservation of environment. The Wall Street Journal (May 15, 1998) reports that according to the editor of The On-line Banking Report, between 4.5 and 5 million customers used online banking in May 1998, as compared to 200,000 people who used it in 1995. According to a survey conducted by â€Å"Pew Internet and American Life† in 2004, during past five years online-banking is the highest rising motion on the Internet in United State of America. Among all users of the Internet around 44% are utilizing online banking some way or the other, that is, 53 million (McGann, p 9-13). As the number of people using online banking increases the level of pollution comes down. How is this possible? The ‘online banking effects’ section discusses this in detail. Banking industry through out the corporate world is leading the way for the environmentally conscious people. More and more banks throughout the world are wooing its client to are subscribe to online payments of utility bills .The banks are requesting its client to use online bank statement to keep tract of monetary transaction. Technology Impact on Environment There is a growing awareness that the technology should not negatively affect our environment. The internet boom is contributing very positively to making our planet greener. There is less use of paper and it is also reducing the use of fuel as the people now don’t need to go to banks as often as they needed to do so in the past. Many banks like the Citizen’s Bank of Canada are realizing they were contributing to greenhouse gas emission. It has offered its customers an option of online banking and it reports that its there has been able to cut down its use of paper by 30% .Bank of America also followed the same trajectory and says that there has been a 32% reduction in its paper use (The paper planet, n.p). Apart from the environmental effects, online banking also has a positive impact on the business itself. Among all other latest advancements in technology internet occupies a prominent position and thus has its impact on business also. It is quite predictable that it is going to serve as a main dynamic forcing transformation in the near future (Jayewardene and Foley, p 12-20). Online Banking versus Retail Branch Banking A traditional retail bank provides its services through a vast banking structure in different areas of a country both rural and urban. Such banks are usually large customer based and enjoy presence of high street there is a feeling of safety and brand acceptance among the customers. Though there is a constant interaction with the bank staff, but the general 8 hour operating timings may not suit all. There is a traditional â€Å"sales-oriented† pursued in this system. Whereas, the geographical borders are eliminated by online banking and people can perform their required transactions from anywhere and whenever they want. It has shifted the culture of business to be â€Å"customer-oriented† (The U.S. Online Retail Banking Market, p1).This has led to immediate access to account of the customer and has made it more environment friendly .It is one of the few technological advancement which is cost effective as well as conserves environment. Effects of Online Banking Online banking can effect our environment positively. Below are some of the effects of online banking. i. Online banking can help reduce the paper cost. It has been calculated that almost 53% of American citizens use online banking systems. This means that the country saves up to 2.3 million tons of wood, which was not cut down from the forests in order to make paper. It is a known fact that trees help in the reduction of carbon dioxide from the environment. If every citizen starts using online banking system, then the paper usage will get limited to only schools and some corporations. This will save millions of tress and hundreds of forests from destruction (Environmental leader, n.p) ii. Fuel consumption can be reduced by almost 26 million BTUs. According to Environmental Leader report, this is enough electricity to for the entire city of San Francisco for almost one year. As fuel in a natural resource hence not consuming it wisely will result in fuel crisis in the future. However most importantly, every gallon of fuel burned adds extra pollution in the atmosphere. Therefore adapting online banking will reduce the consumption of fuel and hence reduce toxic air pollution (Environmental leader, n.p) iii. Online banking also reduces toxic wastewater. This waste water can fill up almost 20,000 swimming pools. As the solid waste generation (be it in form of papers etc) is reduced this will result lesser garbage and lesser the garbage trucks have to load. The lesser trucks required and hence again lesser fuel consumed. Moreover, solid waste also adds pollution to the environment. Hence adapting online banking will result in lesser solid waste generation (Environmental leader, n.p) iv. Almost 8.5 million particulates (which act as pollution) will be removed form air. v. Keeping in view the time consumed in traditional banking, the online banking seems to be quite speedy as transactions are usually very quickly approved and completed through it. A number of sophisticated tools are now provided by various sites, comprising portfolio managing programs, account aggregation, rate alerts, and stock quotes to assist the customers in managing their assets more successfully. vi. Further, the customer can use the online banking facility to make electronic payments of bills, make electronic check payments, or transfer money to accounts in other banks. Thus, they are in a position to save some vital resources as under. At present it is a common practice that both spouses work to make both ends meet and thus, are always short of time not only for each other but fir their kids also which may lead to anxiety and stress. By saving traditional banking hours they can spare these for the family vii. Ink usage and other things such as rubber stamps, envelops, ATM cards etc will be reduced. All of these add up in the environmental pollution. Most of these inks contain lead and hence combined all the banks generate a lot of solid toxic lead waste. viii. Apart from all the above effects, online banking will help save a lot of land space which is currently being used by corporate banks. The government can plant trees and make parks in these areas and hence contributing positively to the environment. Works Cited â€Å"Introduction to Internet Banking†. 13 June 2008. http://www.uknetguide.co.uk/Finance/Article48.html Environmental leader (2007). Online banking’s environmental benefits can drive market growth. retrieved June 18. 2008 from: http://www.environmentalleader.com/2007/08/09/study-online-bankings-environmental-benefits-can-drive-market-growth/ Jayewardene, Chanaka. Foley Paul, "Changes in the banking sector: The case of Internet banking in the UK". 13 June 2008. www.emeraldinsight.com/10.1108/10662240010312048 McGann, Robb. â€Å"Online Banking Increased 47 Percent Since 2002†. 2005. 13 June 2008. http://www.clickz.com/showPage.html?page=3481976 â€Å"Paper-Free Service†. 13 June 2008. http://www.halifax.co.uk/aboutonline/paperfree.asp Stewart, Kate. â€Å"Online Banking. 2002. Emerald Publishing Limited. 13 June 2008. http://site.ebrary.com.library.capella.edu/lib/capella/Top?channelName=capellacpage=1docID=10052682f00=textfrm=smp.xhitsPerPage=20layout=documentp00=online+bankingsortBy=scoresortOrder=desc â€Å"The U.S. Online Retail Banking Market†. 2005. 13 June 2008. http://www.packagedfacts.com/sitemap/product.asp?productid=959462 What is online banking†? 13 June 2008. http://www.bankrate.com/brm/olbstep2.asp The paper planet (2008). Online banking saaves trees and carbon emissions- and money. Retrevied June 18, 2008 from: http://thepaperplanet.blogspot.com/2008/06/online-banking-saves-trees-and-carbon.html

Night World Daughters of Darkness Chapter 2 Free Essays

You see, we’re both lonely guys,† Todd said from the back. â€Å"†There aren’t any girls our age aroundhere, so we’re lonely. And then when we comeacross three nice girls like you-well, we just natu rally want to get to know you better. We will write a custom essay sample on Night World : Daughters of Darkness Chapter 2 or any similar topic only for you Order Now Understand?† â€Å"So if you girls play along, we can all have fun,† Vic put in. â€Å"Fun-oh, no,† Rowan said, dismayed. Jade knew she had caught part of Vic’s thought and was tryingvery hard not to pry further. â€Å"Kestrel and Jade are much too young for anything like that. I’m sorry, butwe have to say no.† â€Å"I won’t do it even whenI amold enough,† Jade said. â€Å"But that isn’t what these guys mean anyway they mean this.† She projected some of the images she was getting from Vic into Rowan’s mind. â€Å"Oh, dear,† Rowan said flatly. â€Å"Jade, you know we agreed not to spy on people like that.† Yeah, but look what they’re thinking, Jade said soundlessly, figuring that if she had broken one rule, she might as well break them all. â€Å"Now, look,† Vic said in a tone that showed he knew he was losing control of the situation. He reached out and grabbed Jade’s other arm, forcingher to face him. â€Å"We’re not here to talk. See?† He gave her a little shake. Jade studied his features a moment, then turned her head to look inquiringly into the backseat. Rowan’s face was creamy-pale against her brownhair. Jade could feel that she was sad and disap pointed. Kestrel’s hair was dim gold and she was frowning. Well?Kestrel said silently to Rowan. Well?Jade said the same way. She wriggled as Victried to pull her loser. Come on, Rowan, he’s pinching me. I guess we don’t have any choice,Rowan said. Immediately Jade turned back to Vic. He was still trying to pull her, looking surprised that she didn’t seem to be coming. Jade stopped resisting and lethim drag her in close-and then smoothly detached one arm from his grip and slammed her hand upward. The heel of her hand made contact just under his chin. His teeth clicked and his head was knocked backward, exposing his throat. Jade darted in and bit. She was feeling guilty and excited. She wasn’t used to doing it like this, to taking down prey that was awake and struggling instead of hypnotized and docile. But she knew her instincts were as good as any hunter who’d grown up stalking humans in alleys. It was part of her genetic programming to evaluate anything she saw in terms of â€Å"Is it food? Can I get it? What are its weaknesses?† The only problem was that she shouldn’t been joying this feeding, because it was exactly the opposite of what she and Rowan and Kestrel had come to Briar Creek to do. She was tangentially aware of activity in the backseat. Rowan had lifted the arm Todd had been using to restrain her. On the other side Kestrel had done the same. Todd was fighting, his voice thunderstruck. â€Å"Heyhey what are you-â€Å" Rowan bit. â€Å"What are you doing?† Kestrel bit. â€Å"What the freak are you doing? Who are you? What the freak are you?† He thrashed wildly for a minute or so, and then subsided as Rowan and Kestrel mentally urged him into a trance. It was only another minute or so before Rowan said, â€Å"That’s enough.† Jade said, Aw, Rowan †¦ â€Å"That’senough.Tell him not to remember anything about this-and find out if he knows where Burdock Farm is.† Still feeding, Jade reached out with her mind,touching lightly with a tentacle of thought. Then she pulled back, her mouth closing as if in a kiss as it leftVic’s skin. Vic was just a big rag doll at this point, and he flopped bonelessly against the steering wheeland the car door when she let him go. â€Å"The farm’s back that way-we have to go back tothe fork in the road,† she said. â€Å"It’s weird,† she added, puzzled. â€Å"He was thinking that he wouldn’t get in trouble for attacking us because-because of something about Aunt Opal. I couldn’t get what.† â€Å"Probably that she was crazy,† Kestrel said unemotionally. â€Å"Todd was thinking that he wouldn’t get in trouble because his dad’s an Elder.† â€Å"They don’t have Elders,† Jade said, vaguely smug.†You mean a governor or a police officer or something ? Rowan was frowning, not looking at them. â€Å"All right,† she said. â€Å"This was an emergency; we had to do it. But now we’re going back to what we agreed.† â€Å"Until the next emergency,† Kestrel said, smiling out the car window into the night. To forestall Rowan, Jade said, â€Å"You think we should just leave them here?† â€Å"Why not?† Kestrel said carelessly. â€Å"They’ll wake up in a few hours.† Jade looked at Vic’s neck. The two little wounds where her teeth had pierced him were already almost closed. By tomorrow they would be faint red marks like old bee stings. Five minutes later they were on the road againwith their suitcases. This time, though, Jade was cheerful. The difference was food-she felt as full of blood as a tick, charged with energy and ready to skip up mountains. She swung the cat carrier and her suitcase alternately, and Tiggy growled. It was wonderful being out like this, walking alonein the warm night air, with nobody to frown in disapproval. Wonderful to listen to the deer and rabbits and rats feeding in the meadows around her. Happiness bubbled up inside Jade. She’d never felt so free. â€Å"It is nice, isn’t it?† Rowan said softly, lookingaround as they reached the fork in the road. â€Å"It’s the real world. And we have as much right to it as anybody else.† â€Å"I think it’s the blood,† Kestrel said. â€Å"Free-range humans are so much better than the kept ones. Whydidn’t our dear brother ever mention that?† Ash, Jade thought, and felt a cold wind. She glanced behind her, not looking for a car but forsomething much more silent and deadly. She realized suddenly how fragile her bubble of happiness was. â€Å"Are we going to get caught?† she asked Rowan. Reverting, in the space of one second, to a six-yearold turning to her big sister for help. And Rowan, the best big sister in the world, said immediately and positively,†No. â€Å" â€Å"But if Ash figures it out-he’s the only one whomight realize-â€Å" â€Å"We are not going to get caught,† Rowan said. â€Å"Nobody will figure out that we’re here.† Jade felt better. She put down her suitcase and held out a hand to Rowan, who took it. â€Å"Together forever,† she said. Kestrel, who’d been a few steps ahead, glanced over her shoulder. Then she came back and put her hand on theirs. â€Å"Together forever.† Rowan said it solemnly; Kestrel said it with a quicknarrowing of her yellow eyes. Jade said it with utter determination. As they walked on, Jade felt buoyant and cheerfulagain, enjoying the velvet-dark night. The road was just dirt here, not paved. They passed meadows and stands of Douglas fir. A farmhouse on the left, set back on a long driveway. And finally, dead ahead at the end of the road, another house. â€Å"That’s it,† Rowan said. Jade recognized it, too, from the pictures Aunt opal had sent them. It had two stories, a wraparound porch, and a steeplypitched roof with lots of gables. A cupola sprouted out of the rooftop, and there was a weather vane on the barn. A real weather vane, Jade thought, stopping to stare. Her happiness flooded _back full force. â€Å"I love it, she said solemnly. Rowan and Kestrel had stopped, too, but their expressions were far from awed. Rowan looked a hairs breadth away from horrified. â€Å"It’s a wreck,† she gasped. â€Å"Look at that barnthe paint’s completely gone. The pictures didn’t show that.† â€Å"And the porch,† Kestrel said helpfully. â€Å"It’s fallingto pieces. Might go any minute.† â€Å"The work,† Rowan whispered. â€Å"The work it would take to fix this place up †¦Ã¢â‚¬  â€Å"And the money,† Kestrel said. Jade gave them a cold look. â€Å"Why fix it? I like it. It’s different.† Rigid with superiority, she picked up her luggage and walked to the end of the roadThere was a ramshackle, mostly fallen-down fence around the property, and a dangerous-looking gate. Beyond,on a weed-covered path, was a pile of white pickets as if somebody had been planning to fix the fencebut had never got around to it. Jade put down the suitcase and cat carrier and pulled at the gate. To her surprise, it moved easily. â€Å"See, it may not look good, but it still works-â€Å"She didn’t get to finish the sentence properly. The gate fell on her. â€Å"Well, it may not work, but it’s still ours,† she said as Rowan and Kestrel pulled it off her. â€Å"No, it’s Aunt Opal’s,† Kestrel said. Rowan just smoothed her hair back and said, â€Å"Come on.† There was a board missing from the porch steps, and several boards gone from the porch itself. Jade limped around them with dignity. The gate had given her a good whack in the shin, and since it was wood,it still .hurt. In fact, everything seemed to be made of wood here, which gave Jade a pleasantly alarmed feeling. Back home, wood was revered-,and kept outof the way. You have to be awfully careful to live in this kindof world, Jade thought. Or you’re going to get hurt. Rowan and Kestrel were knocking on the door,Rowan politely, with her knuckles, Kestrel loudly, with the side of her hand. There wasn’t any answer. â€Å"She doesn’t seem to be here,† Rowan said. â€Å"She’s decided she doesn’t want us,† Kestrel said, golden eyes gleaming. â€Å"Maybe she went to the wrong bus station,†Jade said. â€Å"Oh-that’s it. I bet that’s it,† Rowan said. â€Å"Poorold thing, she’s waiting for us somewhere, and she’s going to be thinking that we didn’t show up.† â€Å"†Sometimes you’re not completely stupid,† Kestrel informed Jade. High praise from Kestrel. â€Å"Well, let’s go in,† Jade said,to conceal howpleased she was. â€Å"She’ll come back here sometime.† â€Å"Human houses have locks,† Rowan began, but this house wasn’t locked. The doorknob turned in Jade’s hand. The three of them stepped inside. It was dark, even darker than the moonless nightoutside, but Jade’s eyes adjusted in a few seconds. â€Å"Hey, it’s not bad,† she said. They were in ashabby but handsome living room filled with huge, ponderous furniture. Wood furniture, of course dark and highly polished. The tables were topped with marble. Rowan found a lightswitch, and suddenly the roomwas too bright. Blinking, Jade saw that the walls were pale apple green, with fancy woodwork andmoldings in a darker shade of the same green. It made Jade feel oddly peaceful. And anchored, somehow, as if she belonged here. Maybe it was all the heavy furniture. She looked at Rowan, who was looking around tall graceful body slowly relaxing. Rowan smiled and met her eyes. She noddedonce. â€Å"Yes.† Jade basked for a moment in the glory of having been right twice in five minutes–and then she remembered her suitcase. â€Å"Let’s see what the rest of the place is like,† she said hastily. â€Å"I’ll take the upstairs; you guys look around here.† â€Å"You just want the best bedroom,† Kestrel said. Jade ignored her, hurrying up a wide, carpeted flight of stairs. There were lots of bedrooms, and each one had lots of room. She didn’t want the best, though, just the farthest away. At the very end of the hall was a room painted sea-blue. Jade slammed the door behind her and puther suitcase on the bed. Holding her breath, she opened the suitcase. Oh. Oh, no.Oh, no †¦ Three minutes later she heard the click of the doorbehind her, but didn’t care enough to turn. â€Å"What are you doing?†Kestrel’s voice said. Jade looked up from her frantic efforts to resuscitate the two kittens she held. â€Å"They’redead!† she wailed. â€Å"Well, what did you expect? They need to breathe, idiot. How did you expect them to make it through two days of traveling?† Jade sniffled. â€Å"Rowan told you that you could take only one.† Jade sniffled harder and glared. â€Å"I know.That’s why I put these two in the suitcase.† She hiccuped. â€Å"At least Tiggy’s all right.† She dropped to her knees and peered in the cat carrier to make sure he was all right. His ears were laid back, his golden eyes gleaming out of a mass of black fur. He hissed, and Jade sat up. He was fine. â€Å"For five dollars I’ll take care of the dead ones,† Kestrel said. â€Å"No!† Jade jumped up and moved protectively in front of them, fingers clawed. â€Å"Not likethat,† Kestrel said, offended. â€Å"I don’t eat carrion. Look, if you don’t get rid of them somehow,Rowan’s going to find out. For God’s sake,girl, you’re a vampire,† she added as Jade cradled the limp bodies to her chest. â€Å"Act like one.† â€Å"I want to bury them,† Jade said. â€Å"They shouldhave a funeral.† Kestrel rolled her eyes and left. Jade wrapped the small corpses in her jacket and tiptoed out after her. A shovel, she thought. Now, where would that be? Keeping her ears open for Rowan, shesidledaround the first floor. All the rooms looked like the living room: imposing and in a state of genteel decay. The kitchen was huge. It had an open fireplace and a shed off the back door for washing laundry. It also had a door to the cellar. Jade made her way down the steps cautiously. Shecouldn’t turn on a light because she needed both hands for the kittens. And, because of the kittens, she couldn’t see her feet. She had to feel with her toe for the next step. At the bottom of the stairs her toe found something yielding, slightly resilient. It was blocking herpath. Slowly Jade craned her neck over the bundle of jacket and looked down. It was dim here. She herself was blocking the light that filtered down from the kitchen. But she could make out what looked like a pile of old clothes. A lumpy pile. Jade was getting a very, very bad feeling. She nudged the pile of clothes with one toe. It moved slightly. Jade took a deep breath and nudged it hard. It was all one piece. It rolled over. Jade looked down, breathed quickly for a moment, and screamed. A good, shrill, attention-getting scream. She addeda nonverbal thought, the telepathic equivalent of a siren. Rowan! Kestrel! You guys get down here! Twenty seconds later the cellar light went on andRowan and Kestrel came clattering down the stairs. â€Å"I have told you and toldyou,† Rowan was sayingthrough her teeth. â€Å"We don’tuse our-† She stopped, staring. â€Å"I think it’s Aunt Opal,† Jade said. How to cite Night World : Daughters of Darkness Chapter 2, Essay examples

Untitled Essay Research Paper Canada is a free essay sample

Untitled Essay, Research Paper Canada is a state who # 8217 ; s hereafter is in inquiry. Serious political issues hold late overshadowed economic concerns. Constitutional argument over integrity and Quebec # 8217 ; s hereafter in the state is in the bosom of every Canadian today. Continuing struggles refering Aboriginal self-government and intervention are making the boiling point. How can Canada anticipate to draw herself out of this apparently bottomless cavity? Are Canadians looking at the right people to put their incrimination? In the 1992 Referendum, # 8220 ; The Charlottetown Accord # 8221 ; addressed all of these issues, giving Canadians the chance to eventually allow the dead Equus caballus be # 8211 ; but oh, if it were that simple. A ruddy faced Brian Mulroney pontificated that a ballot against the agreement would be one against Canada. Canadians would basically be showing the desire for Quebec to remain excluded from the fundamental law. How could the Right-Honorable Mulroney anticipate anyone to vote on a papers that contained so much more than merely the issue of Quebec sovereignty? Ironically, concealed deep within # 8220 ; The Charlottetown Accord, # 8221 ; was the chance for Canadians to do a difference ; to alter the manner the authorities ran, giving less power to the politicians and more to the people. We will write a custom essay sample on Untitled Essay Research Paper Canada is a or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page This was the issue of Senate Reform. Why is Senate Reform such an of import issue? An statement could be made that a political organic structure, which has survived over one hundred old ages in Canada, must evidently work, or it would hold already been reformed. This is merely non true, and this becomes evident when analysing the current Canadian Senate. In its origin, the Senate was designed to play an of import function in the Government of Canada, stand foring assorted parts of the federation. Quebec, Ontario, the Maritime Provincess and the West were allotted 24 Senators each. Considered to be the bosom of the federal system, the Senate was to be a important equilibrating mechanism between Upper and Lower Canada ( Mallory pg. 247 ) . It was of import for there to be equal representation, and non representation by population. Senators were to be appointed, in order to guarantee that the House was independent and had the freedom to move on its ain. As good, Senators had to be seen as a conservative restraint on the immature, the waxy, and the impulsive in the House of Commons ( Van Loon and Whittington pg. 625 ) . They hence had to be over 30 old ages old and ain belongings transcending four thousand dollars in the state they represented. This thought was called # 8217 ; 2nd sober thought. # 8217 ; As this independent, rational organic structure, the Senate # 8217 ; s chief map was to guarantee that all power did non come from one beginning. In theory, this prevented a dictatorial authorities, since any action ( such as the passing of a Bill into jurisprudence ) had to have the # 8216 ; O.K. # 8217 ; from the Senate. This was protecting Canada # 8217 ; s democracy. In 1949, six add-on seats were given to Newfoundland, and in 1975, two more seats were added to give the Northwest Territories and the Yukon representation ; a sum of 104 Senators. Over 100 old ages subsequently, it is clear that the Canadian Senate does function the map for which it had originally been designed. In fact, it is flawed in many ways. First, the Senate does non hold a voice to put the precedences for the Cabinet, and it lacks the expertness to manage policy devising. Second, since the party in power appoints Senators when vacancies occur, the inclination has been to name people with connexions to that party. This means that the Senate is neither representative of all political orientations nor reflective of the people # 8217 ; s involvement. No member of the Senate, for illustration, reflects the New Democratic Party # 8217 ; s position, since that party has neer been in power. Therefore that part of Canada who supports the NDP is surely non represented. How legitimate is the Senate when its members are appointed and non elected? Third, the Senate is non needfully comprised of members with political experience, and this brings about the inquiry of efficiency ; how effectual can the Senate be if its members are non all comprised of # 8216 ; experienced # 8217 ; politicians? Another defect in the Senate is that, due to appointment, the Upper House has been viewed as an old-folks place for retired politicians, holding demonstrated faithful service for the party in power for many old ages. Many assignments to the Senate are wagess for # 8216 ; a occupation good done # 8217 ; . This, every bit good as the fact that Senators are appointed until they reach 75 old ages of age, has caused the Senate to look more like a # 8216 ; Party-Members-Only # 8217 ; nine, and non the independent force for which it was designed. Sadly, it is the citizens of Canada who are paying the rank fees. The Senate does execute a few maps that may justify some of the disbursal to Canadians. Since the Senate chiefly handles private measures, this allows the House of Commons to concentrate on authorities statute law ( Van Loon and Whittington pg. 627 ) . As good, the Senate commissions are going involved in probes into political personal businesss, which would otherwise be left to expensive royal committees. By relieving some of the force per unit areas on the House of Commons, the Senate does move as a go-between on many political issues. Even still, the Senate costs Canadians 1000000s of dollars a twelvemonth in wages, pensions, and other assorted disbursals, which are unneeded. There are hence three picks: Canada can keep the Senate as it stands, an out-of-date, expensive, and uneffective organic structure in the authorities ; the Senate can be abolished, intending the Prime Minister becomes the dictator of a one-party authorities ; the Senate can be reformed so that it is effectual and representative of the population. Clearly, the best pick is for Senate reform, since a reformed Senate plays an of import function in a democratic authorities. Looking at the U.S. Senate, every bit good as the Polish Kancelaria Senatu, provides some penetration into the manner Canada may wish to reform her Senate. The U.S. Senate provides an first-class theoretical account for a Reformed Canadian Senate. While still with failings, the U.S. Senate is an effectual and expeditiously run organic structure of the U.S. authorities. It reinforces the impression of cheques and balances, and allows a separation of powers between the two subdivisions of authorities. The citizens elect two Senators from each province, irrespective of size, for a term of six old ages. To be eligible to run in a Senatorial election, each individual must be at least 30 old ages old, have been a citizen of the United States for nine old ages, and be a occupant in the province in which he or she is running. In footings of representation, each province has equal representation, guaranting that every province has two voices. Equally good, it allows for the possibility that the bulk party in the Senate is non needfully the bulk party in the Congress, extinguishing the party prejudice. The Vice President is the president of the Senate, and has the right to vote in the instance of a tied-vote. This is a mostly ceremonial map, one that is non normally carried out ( Wasserman pg. 99 ) . The bulk leader of the Senate, the Senator from the bulk party who has served the longest, agendas arguments, assigns measures to commissions, co-ordinates party policy, and appoints members of particular commissions ( Wasserman pg. 99 ) . The Senate is both a deliberative and a decision-making organic structure ( U.S. Senate Home page: Introduction ) . The chief map of the U.S. Senate is to argument measures either introduced in the Senate, or passed to it, O.K.ing so, amending them, or killing them. Since it is a separate organic structure from the Congress, in order for a measure to be passed, it must be approved by both organic structures. One of the unfavorable judgments of the U.S. Senate is that it is a big organic structure dwelling of many commissions and sub-committees. Since the procedure to go throughing a measure must foremost travel through these commissions before it is debated upon, the process tends to be rather slow and expensive. Another unfavorable judgment is that, while the Senate does stand for each province every bit, adult females and minorities are non every bit represented. However, as compared to the Canadian Senate, the U.S. Senate is more efficient and effectual in its processs. The Polish Senate, the Kancelaria Senatu, is similar to that of the U.S. Senate. What is important is that Poland # 8217 ; s modern Senatu has merely been six old ages in being, with amendments every bit recent as 1994. Senators are elected in free, public, direct and unfastened vote. A simple bulk is required for a campaigner to be elected based on plurality. The general population, political parties, or societal organisations can put up campaigners for the Senatu. These campaigners must be supported by at least three 1000 electors who reside in each constituency. Poland is divided up into districts called voivodship districts, and two Senators are elected from each district, excepting Warsaw and Katowice, who are represented by three Senators. Each Senator is elected for a term of four old ages, but may run for any figure of T erms. Unlike the U.S. Senate, the Polish Senatu plants in concurrence with the legislative subdivision called the Sejm, and they deliberate jointly. The Senatu examines measures passed by the Sejm, and can accept, amend, or reject them. If the Senatu # 8217 ; s amendments have fiscal deductions for the province budget, it must bespeak how these are to be met. The Sejm must hold an absolute bulk to reject the Senatu # 8217 ; s proposals for the measure, or else the Senatu # 8217 ; s determination is concluding. The Senatu besides approves the determination of the President for national referendums on affairs of involvement to the State. No member of the Polish Senatu belongs to an functionary registered party. This is important because it removes the hazard of party prejudice. As good, any citizen may run for the Senatu, leting for a more direct signifier of representation. While the Senatu is non every bit powerful as the U.S. Senate, it still plays an of import function in the impression of cheques and balances. Both the U.S. Senate and the Polish Senatu show how an effectual Senate is an plus to any authorities, and to the people it represents. Reforming Canada # 8217 ; s Senate is hence really of import. However, the trouble in accomplishing any reformation depends entirely on the # 8216 ; powers-that-be. # 8217 ; The ends of a reformed Senate are to give more representation to all countries of Canada, to do Senators accountable to all Canadians, and to guarantee that the Senate is a separate power from the legislative assembly ; in kernel a more democratic Senate. Since it is so evident that the Senate requires reform, the inquiry International Relations and Security Network # 8217 ; t so much as to why and if it should be reformed, but instead to how? How can this be achieved? The general population must elect Senators, in order for there to be true democracy. The tradition of stacking the Senate, due to appointment, must non be allowed to go on. Much like the U.S. and Polish Senates, any Canadian, 30 old ages or older, and holding been a occupant in Canada for eight old ages, may run for the Senate. Campaigners can be nominated by any political or societal organisation, or by the general population, but must hold five 1000s protagonists from the constituency represented, and must populate in that constituency. The campaigners will non run on a party platform, and alternatively will run as mugwumps. By extinguishing party platforms, three things are accomplished. First, campaigners will be elected based on what they believe and non what a party believes. The electorate would make up ones mind on the campaigner best suited for the place based on his or her ain sentiments, programs, and achievements. Second, this allows the Senate to be more nonsubjective, and hence more effectual. Third, there would be no demand for party subject, and no hazard of fixed vote. Since the Senate remains independent from the executive subdivision of the authorities, timing of elections must be separate from parliamentary elections. The Prime Minister is non the caput of the Senate, and hence should non make up ones mind the actions of the Senate. Therefore, holding a fixed day of the month will guarantee that there is no struggle of involvement. Senators would be elected to a six-year term, with a fixed election every three old ages for half of the Senate. This allows the population the chance to take who should stand for so more frequently. A term of more than six old ages would intend that the Senate would lose its effectivity, and hazard succumbing to the influences of the Members of Parliament. Even in a six-year term, the possibility for Senators to go influenced and lose their objectiveness by other beginnings is a hazard. There would surely be an expostulation to this facet of Senate reform by the current members of the Upper House. However, in order to guarantee that Senate reform takes topographic point, both the states and the current Senators must do forfeits for the benefit of the state as a whole. Therefore, the first election will be to make full half of the Senate. By some signifier of lottery, one half will be forced to vacate their place, and will hold the chance to run in the election. After three old ages, the other half will follow suit and resign their place. This will let a slow filtrating out of the old school appointed Senators, to be replaced with elective 1s. There would be eight Senators elected by each state, irrespective of the size of the state and its population. As good, eight Senators would be given to the districts. Each state would be divided into four constituencies, with two Senators coming from each constituency. The Yukon and North West Territories would be combined, and divided into four constituencies every bit good. Each Senator has an equal voice in the Senate, leting for equal representation for each constituency and each state. In entire, 88 Senators would be elected. Eighty-eight voices in the Senate are more than plenty to stand for the constituencies, salvaging Canadians the unneeded costs of add-on wages. Although Canada is a big state, it still has a low population. Even the United States, with 10 times the population, maintains merely one hundred Senators. With excessively many Senators at that place becomes the hazard of holding two Lower Houses. Despite being elected, nevertheless, the Senators would be given the authorization to move on behalf of the people in their constituencies, and would non be straight responsible to the people. In order to stay independent from the executive, it would be the duty of the Members of Parliament to show their components # 8217 ; point of views in the House of Commons. It is merely through elections that the population can make up ones mind whether or non the Senators have reasonably represented their constituencies. The most hard facet to Senate reform trades with the maps of the new Upper House. Much like the United States, the Canadian Senate must hold the power to present policy into the House of Commons every bit good as accepting measures. As a precaution against a power hungry House of Commons, the Senate is besides responsible for conveying up the involvements of the state. By leting the Senate this power, the issues are given more attending by both sides of the legislative assembly. The Senate should still work in the same manner as it has in the yesteryear, with the power to accept, amend or reject measures passed by the House of Commons. As earlier, a bulk from both the Senate and the House of Commons is required to go through a measure into jurisprudence, but in the instance of a dead end, the House of Commons should be able to overrule the Senate. When covering with constitutional personal businesss, or, due to current issues affecting Quebec, cultural personal businesss, there must be a 65 per centum bulk in the Senate. As good, veto power should be granted to the Senate in respects to constitutional issues. The Senate should keep its system of commissions, and go on to execute probes into political personal businesss alternatively of royal committees. In order for Senate reform to be enacted, a bulk of the states must ballot for it. Each Prime Minister from each state, and a leader from each district, gets one ballot. Geting support for Senate reform from Ontario and Quebec will turn out to be the most hard challenge, for they have had the balance of power since Confederation. However, holding compulsory Quebecois Senators is non possible in this Reformed system. Since most of the argument late has been over Quebec # 8217 ; s acknowledgment as a distinguishable society and protection of its civilization, Quebec will surely be opposed to holding less power in the Senate, when in world it desires more power. There is no clear manner to pacify the state of Quebec, and possibly there neer will be under any system. Senate reform is for the benefit of the full state, and after all, the remainder of Canada should hold a say as to what transpires within her boundary lines. As stated earlier, in order for there to be reform, many people, states and Senators likewise, will hold to do forfeits. If Quebec is unhappy with the impression of Senate reform, but there is a bulk ballot for Senate reform, so Quebec is a member of the minority. This proposal for Senate reform is a suggestion to better the current province of the Senate. While many of these suggestions may non happen, the demand for some signifier of Senate reform is important. States such as Poland and the United States have a more effectual Senate, and hence a more efficient authorities. With many inquiries about Canada # 8217 ; s hereafter left to be decided, what is more of import than the province of the state # 8217 ; s democratic system? After all, the authorities # 8217 ; s aim is to listen to the people and do determinations for the benefit of the people. Without Senate reform, the Canadian political construction may finally crumple, much like an old house crumbles when its foundation has degraded. In order for Canada to last in the 21st century, the old-school British system must be revamped, for it is outdated. Canada must project aside old traditions and replace them with modern political orientation and idea.

Benjamin Tucker Tanner

Benjamin Tucker Tanner Overview Benjamin Tucker Tanner  was a prominent figure in the African Methodist Episcopal (AME)  Church  . As a clergyman and news editor, Tucker played a pivotal role in the lives of African-Americans as the Jim Crow Era became a reality. Throughout his career as a religious leader, Tucker integrated the importance of social and political power with fighting racial inequality.   Early Life and Education Tanner was born on December 25, 1835 in Pittsburgh to Hugh and Isabella Tanner. At the age of 17, Tanner became a student at Avery College. By 1856, Tanner had joined the AME Church and continued to further his education at Western Theological Seminary. While a seminary student, Tanner received his license to preach in the AME Church. While studying at Avery College, Tanner met and married Sarah Elizabeth Miller, a former slave who had escaped on the Underground Railroad. Through their union, the couple had four children, including Halle Tanner Dillon Johnson, one of the first African-American women to become a physician in the United States and Henry Osawa Tanner, the most distinguished African-American artist of the 19th Century. In 1860, Tanner graduated from Western Theological Seminary with a pastoral certificate.   Within two years, he established an AME Church in Washington D.C. Benjamin Tucker Tanner: AME Minister and Bishop While serving as a minister, Tanner established the United States first school for freed African-Americans in the United States Navy Yard in Washington D.C. Several years later, he supervised freedmans schools in Frederick County, Maryland. During this time, he also published his first book, An Apology for African Methodism in 1867. Elected Secretary of the AME General Conference in 1868, Tanner was also named editor of Christian Recorder. The Christian Recorder soon became the largest circulating African-American newspapers in the United States. By 1878, Tanner received his Doctor of Divinity degree from Wilberforce College.   Soon after, Tanner published his book, Outline and Government of the AME Church and was appointed editor of the newly established AME newspaper, AME Church Review. In 1888, Tanner became a bishop of the AME Church. Death Tanner died on January 14, 1923 in Washington D.C.

Choosing the Best School for Your Child

Choosing the Best School for Your Child Finding the best school for your child can seem like a chore. Lets be honest, with educational budgets being slashed regularly in the US, you worry about whether or not your child is getting the best education possible. Maybe youre thinking about alternative high school options, which can vary from homeschooling and online schools to charter schools and private schools. The options can be overwhelming, and parents often need some help.   So, exactly how do you go about deciding if your current school is meeting your childs needs? And if its not, how do you go about choosing the right alternative high  school option for your child? Check out these tips.   Does Your Childs School Meet His or Her Needs? When you evaluate your current  school, and when you look at potential alternative high school options, be sure to not just think about this current year, but also consider the years ahead. If your child is struggling now, can the school provide the necessary support to augment mainstream classes?Is the school challenging your child enough? Are there advanced classes offered?Does the school offer the academic and extracurricular programs that your child wants? Its important to make sure that  the school your child attends is the best fit for the long haul.  Your child will grow and develop in that school, and you want to be aware of how the school will change over time. Does the school change from a caring, nurturing lower school to a demanding, competitive middle and upper school? Gauge the temperature of all the divisions before selecting a school. Does Your Child Fit in at His or Her Current School? Switching schools can be a big choice, but if your child doesnt fit in, he wont be successful. Does your child enjoy going to school?Does your child have an active, healthy, and engaged social life?Is your child involved in multiple sports and activities? The same questions should be asked if youre looking at potential new schools. While you may be tempted to gain admission to the most  competitive school  possible, be sure that your child is a good fit for the school and that it won’t be too demanding- or too easy- down the road. Don’t try to shoehorn your child into a school that doesn’t nurture her interests and talents just to say hes enrolled at a name-brand institution. Its also important to make sure that the classes meet your childs needs.   Can You Afford to Switch Schools? If switching schools is becoming an obvious choice, its important to consider the time and financial investment. While homeschooling is usually very low cost, its a major time investment. Private school might require less time than homeschooling, but more money. What to do? Consider these questions as you do some research and make your decisions. How much time do you as the parent have to invest in your childs schooling?Is your home an appropriate place for learning?What costs are associated with your alternative school option?Does a potential  new school have a tuition fee?Are there vouchers you need to obtain?Will switching schools require additional commuting or special arrangements for childcare and transportation?How will switching schools affect your familys daily life?Will you need to apply for financial aid at a private school? These are important questions to consider as you explore the option of finding an alternative school. Decide Whats Best for Your Entire Family While everything might point to private school or homeschooling as the right fit for your child, you need to consider the various implications on the entire family and you. Even if youve found the perfect private school, if you cant afford it, then youre going to do your child and your family a disservice if you head down a path thats not realistic. You may want to provide a homeschooling or online school experience, but if you dont have the proper time to invest in ensuring this form of study is properly carried out, youre putting your child at a disadvantage. The right solution will be a win for everyone involved, so weigh your options carefully.   If you decide that private school, in particular, is the best route for the entire family and the child, then consider these tips for finding the best private school. With hundreds of them available in the United States, theres a school out there that will fit your needs. It can be overwhelming to get started, but these tips will help you make the most of the private school search. Consider Hiring an Educational Consultant Now, if youve decided that switching schools is crucial, and a private school, in particular, is your top choice, you might hire a consultant. Of course, you can research schools yourself, but for many parents, they are lost and overwhelmed by the process. Theres help, however, and it can come in the form of a professional educational consultant. You will appreciate the sage counsel and experience that this professional brings to the table. Be sure to use a qualified consultant, and the best way to make sure of that is to only use those endorsed by the Independent Educational Consultants Association, or IECA. However, this tactic comes with a fee, and for middle-class families, that fee might not be affordable. Not to worry ... you can do this yourself. Make a List of Schools This is the fun part of the process. Most private schools have websites with great photo galleries and video tours, with ample information available about their programs. So you and your child can surf the internet together and find plenty of schools to consider. It is a very efficient way of making that first cut. We recommend saving the schools to your favorites as you find them. It will make a serious discussion of each school easier later on. Private School Finder has thousands of schools with their own websites. It is really important that you and your child understand each others  needs when it comes to choosing a school. By all means, guide the process. But dont impose your ideas on your child. Otherwise, shes not going to buy into the idea of going to a private school or may be resistant to the school you think is right for her. Then, using the spreadsheet mentioned above, make a short list of 3 to 5 schools. Its important to be realistic about your choices, and while you want to aim high for your dream schools, its also important to apply to at least one safe school  where you know your chances of acceptance are high. Also, consider if a competitive school is right for your child; schools that are known for being really competitive arent right for everyone.   Visit Schools This is critical. You simply cannot rely on the opinions of others or a website to tell what a school is really like. So schedule a visit for your child whenever possible. It will give her a good feel for her prospective new home away from home. It can also give parents peace of mind, knowing where their child will be spending their time.   Make sure you personally visit and inspect each school on your list. The schools want to meet you and interview your child. But you need to meet the admissions staff and ask them questions too. It is very much a two-way street. Do not be intimidated by the interview. When you are  visiting the school, look at the work on the walls and get an idea of what the school values. Be sure to visit classes and try to speak with teachers and students. Does the school seem to be the kind of place in which your child will thrive?Do the teachers seem capable of bringing out her talents?Do they seem committed to helping children learn? ​Attend an admission event, like an open house, to hear from top administrators, like the head of school, as well as other parents.  The headmaster can set the tone for a private school. Try to attend one of his or her speeches or read his or her publications. This research will acquaint you with the values and mission of the current school. Don’t rely on old assumptions, as schools change a great deal with each administration. ​Many schools will allow your child to attend classes and even stay overnight if it’s a  boarding school. This is an invaluable experience that will help your child understand what life at the school is really like, and if they can envision living that life 24/7.   Admissions Testing   Believe it or not, admission tests can help you find the best school for your child. Comparing test scores may help you better judge which schools may be the best ones to apply to, as average test scores are typically shared by the schools. If your childs scores are considerably lower or even higher than the average scores, you might want to have a conversation with the school to make sure the academic workload is adequate for your child.   Its important to prepare for these tests, too. Your child may be extremely smart, even gifted. But if she has not taken a couple of practice admissions tests, she will not shine on the real test. Test preparation is important. It will give her that edge she needs. Dont skip this step.   Be Realistic While its tempting for many families to fill their lists with names of the top private schools in the country, thats not the point. You want to find the best school for your child. The most elite schools may not offer the type of learning environment that is best for your child, and the local private school might not challenge your child enough. Spend some time getting to know what the schools offer and what your child needs in order to succeed. Choosing the best private school for your child is crucial. Apply for Admission and Financial Aid Dont forget that choosing the right school is just the first step. You still need to get in. Submit all applications materials on time and pay attention to application deadlines. In fact, wherever possible, submit your materials  early. Many schools offer online portals where you can track the progress of your application and stay on top of missing pieces so you can easily meet your deadlines.   Dont forget to apply for financial aid. Almost every private school offers some kind of financial aid package. Be sure to ask if you feel that you will need assistance. Once you have submitted your applications, thats pretty much it. Now all you have to do is to wait. Acceptance letters are typically sent out in March for schools with January or February admissions deadlines. You need to respond by an April deadline. If your child is wait-listed, dont panic. You shouldnt have to wait too long to hear one way or the other, and there are tips for what to do if you are waitlisted.

The price elasticity of gasoline in the United States has been Essay

The price elasticity of gasoline in the United States has been estimated to be 0.15. if this is so, should profit maximizing gasoline stations raise their prices Explain why or why not - Essay Example Since gasoline is considered as normal goods the income elasticity will be positive. The estimated price elasticity will vary according to income, demography and the geography. The demand for gasoline is closely associated with the fuel economy of the vehicles. If the price of the gasoline rises the profit maximizing gasoline companies will not be able to raise the prices according to their wish as in such cases the consumers will shift to the more fuel efficient vehicles which will ultimately lead to a fall in demand conditions for gasoline1. The rebounding effect will have a role to play in this case. The organizations may witness a rise in demand in the short run but in the long run the demand will not be persistent and in fact the demand will fall further than expected. Gillingham, K. 2011. How Do Consumers Respond to Gasoline Price Shocks? Heterogeneity in Vehicle Choice and Driving Behavior. Available at: http://www.umass.edu/resec/seminars/docs/Gillingham_ConsumerResponseGasPrices.pdf. [Accessed: 18th October,

India and Pakistan Essay Example | Topics and Well Written Essays - 1500 words

India and Pakistan - Essay Example India has struggled for survival form various invaders from different religions. All invaders tried their best to loot the rich properties India possessed during period of their invasion. The first Anglo-French war took place in the year 1748. Nawab of Bengal, Siraj-ud-aulah was defeated the English in the Battle of Plassey in the year 1757. Again there was a war between French and the English defeated the French. In the year 1761, the ruler of Afghanistan, Ahmed shah Abadi conquered the Marathas great warriors in the Battle of Panipat third. The English gained the Rights in Bengal, Bihar and Orissa in the year 1765. Clive Lord has become Governor in Bengal during this period. There was a first Mysore war during 1767-69 between the British and Hyder Ali of Mysore. The English had secured the Northern circars in the year 1766. The British in their parliament passed the Regulatory Act in the 1773. Warren Hastings has ascended the chair of Governor of Bengal in the year 1772. The first Anglo-Maratha was taken place during the period 1775-1782. Maharaja Ranjit Singh was born in the year 1780 that had struggled with the British for safeguarding his people in the second Mysore war; the English defeated the Hyder Ali during the period 1780-84. ... The English ahs crushed the Marathas in the second Anglo-Marathas war at Assaye. Sir Arthur Wellesley led the English. Lord William Bentick became the Governor General of Bengal in the year 1828 who had subsequently, successfully brought prohibition of sati in the year 1829 in to force by removing age old customs followed by the people of North in particular this Act was welcomed by most of the communities in India and gave them a sounding support. During the period 1845-46, the English defeated the Sikhs after the death of Maharaja Ranjit singh who died in the year 1839. Lord Dalhousie has become the Governor General of Bengal in the year 1848. First Indian Railway was laid form Bombay to thane in the year 1868. In the year 1858, Indian Government was taken over by the British crown. The important Acts such as Indian penal code, Indian councils and Indian High Courts came into existence and force. The queen of England has proclaimed the empress's of India in the year 1877. The Briti shers gave Mysore state back to their original rules in the year 1881.In the year 1911, the imperial capital shifted form Calcutta to Delhi, The First World War broke out in the year 1914. The Indian National congress consisting of Hindus and Muslims had made Annie Besant as the president in the year 1917. Montague reforms committee offered limited provincial autonomy Indians in the year 1919. In this year the massacre was broke out in Jallianwala bagh where some hundreds Sikhs were killed by the British in a congregation. The Indian national congress gave a call to observe movement, non-cooperation. British clothiers were burnt. Students did not attend colleges. Lawyers left the practice in the courts in the year