Americans should have more holidays and longer vacations Essay

Americans ought to have more occasions and longer get-aways - Essay Example Americans merit a larger number of occasions and longer excursions than are being given to them as of now. Americans ought to have more occasions and longer get-aways The Americans merit more breaks and longer excursions. It is on the grounds that they try sincerely and in this way need time to fulfill themselves also. Americans truly have faith in the decree of giving themselves more occasions and longer get-aways on the grounds that they need to return easily towards their work spaces and give their best focus towards work ethos and domains. More occasions are required on the grounds that the Americans buckle down and commit their own selves entire heartedly towards their work ethos (Author Unknown, 2011). It is of vital significance to realize that they will require more regarding excursions since they need to invigorate themselves. Americans merit more as far as their fun and skip related exercises as they help them to appreciate with their loved ones on various areas inside America just as the remainder of the world (Monroe, 2010).

Human Resource Management Issues in International Market Sample

Question: Recognize and Discuss the Human Resource Management Issues that a HR Manager in Melbourne would need to Consider when Relocating a Manager from Australia to Manage a Subsidiary part of an Australian Multinational Organization that is Located in London in the United Kingdom. Answer: Presentation In present time, the associations are turning out to be globalized. It is extremely basic now for the associations to utilize ostracizes for the business activities in the worldwide market. The worldwide organizations are utilizing exiles for extension of the business as well as to create universal administration capabilities in the global market. It is seen that human asset the board faces numerous issues in the worldwide market as the global condition is increasingly mind boggling (CaligiuriTarique, 2012). There are numerous confirmations which propose that worldwide human asset the board is the significant part to decide the achievement or disappointment of the organizations in the global market. There can be numerous purposes behind disappointment, for example, inadequacy of imparting and planning the exercises in the global business by the organizations. The point of this article is to distinguish the human asset issues in London which can be looked by an Australian organization while growing its business in London showcase. There can be numerous issues for the chiefs while situating in new nation for business point of view (Briscoe, Schuler Claus, 2011). Global human asset the executives There are different written works concentrating on the global human asset issues for the HR administrators. At the smaller scale level of HRM, HR directors are worried about the worldwide coordination of HR strategies and systems to accomplish the business objectives. In the hour of globalization, organizations are centered around the extension of the business in the worldwide market. Organizations are extending their business in the different nations to make development and progress. The organization which will enter in the London showcase must mull over the difficulties and issues to evade the odds of disappointment (John, Lynette Tony, 2004). The human asset the executives isn't restricted to arranging, enrolling, staffing, work connection, execution the board and remuneration inside the association. The idea of human asset the executives has now transformed into universal human asset the board. In light of the improvement worldwide human asset the board in the associations, the w ork activities of the HR administrators are turning out to be increasingly unpredictable having numerous capacities, for example, administrative administrations, worldwide migration, training and advising the representatives in the worldwide condition, universal tax assessment, and between government relations and so on (Hutchings, Fenwick Cieri, 2007). Along these lines, worldwide human asset the executives is not quite the same as the residential HRM because of numerous complexities. The director from the Australian organization may confront numerous issues and provokes identified with the way of life and different elements while working in the London branch. The way of life and condition in the London is contrasting from the Australia and it might make different difficulties for the director in London showcase (Khalid Rehman, 2010). Difficulties in London It is seen that human asset the board is the fundamental base of upper hand for each organization. At the end of the day, human asset the executives influences the introduction of the chiefs with the key administration. Fundamentally, International human asset the board is the blend of various procedures, techniques, and jobs which are acknowledged to pull in, keep up and build up the clients in the organizations. It is anything but difficult to find the organization in the universal market yet it isn't easy to work the business in the worldwide commercial center. The chief, who goes in the worldwide market for working business, can confront numerous issues identified with nature and culture (Stankiewicz, 2015). A portion of the primary difficulties and issues are as per the following: Social assorted variety- No any earlier data of nearby culture of target nation can be a major test for the director. Basic strategic policies in the London are not legitimate while dealing with the staff. Chief can experience the ill effects of the loss of spirit in the new nation. This is the quiet issue in the universal market which can affect the presentation of the administrator. The way of life of Australia is very contrasting from the way of life of London. It won't be simpler for an individual to alter in the London without earlier preparing. In spite of the fact that there are a few similitudes in both of the way of life however the livings of the Australians and English individuals are unique (Taylor, 2015). The business and work culture of both the nations are additionally unique. In Australia, reliability is should in the conferences and individuals in the gathering keeps short and to the point. On the other and, the work culture of London is unique in relation to the Australian culture. In the c onferences, individuals are progressively held in the gatherings when contrasted with Australians. This can be the test for the director of Australian nation (Katie, 2016). Cash issue- To work business over the neighborhood limits isn't a simple errand. Chiefs need to manage the remote monetary forms while working the business in the deliberate market. Administrators need to comprehend the transformation rates and the cash trade paces of London to finish the cash exchanges viably. Erroneous figuring and any sort of misstep in the can increment lawful confusions in the business and can influence the main concern of the business. HR Manager in the London showcase needs to create broad approach to teach that director about bookkeeping rehearses in London advertise (Okpara Pamela 2008). Law and guidelines The matter of Australian nation won't get achievement and development if the chief disregards legalities and the guidelines of London. Expense laws, government controls, and wellbeing and security gauges are diverse in London from Australia. It can make the issue for that director who will migrate in the part of London. Along these lines, there is the need to give data about the laws of London by the HR administrators which can affect the business and the life of that director (Darby Williamson, 2012). It is the activity of HR supervisor to look into and convey about guidelines and guidelines of London. Administrator ought to recall that things can be changed rapidly in specific zones because of the difference in economy and political force. To keep away from the entanglements, chief ought to know about laws and guidelines in London advertise (Tessema Soeters, 2006). Human asset the executives and business relations issues influencing work life Appropriate HRM practices and business relations are the most significant capacities for the achievement of association in the global market. There are some HRM and workers connection gives that can affect the presentation of oversee in London. Those issues are as per the following: Absence of preparing and training Chief needs to confront numerous issues while dealing with the business in London. Without appropriate preparing and instruction of universal market, it is basic for figure out how to change in the London advertise. Preparing and improvement are seen as the significant exercises to get great business results. HR administrators need to give appropriate preparing of culturally diverse market with the goal that the chief in London branch can have the option to deal with the business viably. Without legitimate preparing, the presentation of the trough can diminish (Gurbuz, 2009). Absence of progression arranging With no progression plan, administrator in the remote nation will be demotivated. No any earlier progression arranging, it will affect the inspiration of that supervisor. Supervisor won't have the option to perform and deliver wanted outcome as he will realize that there will be no any prize in like manner. The absence of progression arranging will be the reason for undesirable workplace issues (Hansson, 2007). Uncertain set of working responsibilities Defective set of working responsibilities can likewise influence the presentation of chief in London showcase. This will lead the director who doesn't think about his activity job and obligation. It will likewise make numerous intricacies in accomplishing the hierarchical objectives (Abbott, 2006). This will make disappointment and strain in his activity and reduction the exhibition of the administrator. Director will be miserable as he will be not able to use his aptitudes capacities and information dependent on his specialization. Because of equivocal set of working responsibilities and detail, administrator will feel demotivated in his activity job. The human asset supervisor is answerable for giving right employment job to the correct individual n the association (Green et al, 2006). Along these lines, these are some human asset the board and representatives connection issues which can influence the presentation of the supervisor in the London branch. End This paper talks about the universal HRM and the issues looked by the chief of an Australian organization who is moved in the part of London. From the above examination, it is seen that entering in the worldwide market isn't a simple activity. The HR administrators need to encounter different issues and difficulties, for example, HR rules and activities, and activities and disposition of the clients. It is likewise seen that universal human asset the board is an unpredictable procedure. In this way, plainly chief of the Australian organization needs to confront numerous difficulties in the London showcase while working business there. Further, there are a few issues, for example, extraordinary business culture, Currency issue, and distinctive Law and guidelines which can be looked by the supervisor in London showcase. The business and work culture of both the nations are additionally unique. Aside from this, HRM practices and work relations can likewise affect the presentation of ove rsee in London. Because of Lack of preparing and educationthe execution of the trough can diminish. Absence of progression arranging and Ambiguous expected set of responsibilities can make disappointment and pressure in his

Custom College Papers For Sale

Custom College Papers For SaleWhether you're shopping for new college papers for the first time or need some ideas for college papers for the annual reprint, finding custom college papers for sale is an excellent way to begin your search. Many online colleges offer online college papers and many of them also sell these types of papers. Whether you're looking for high quality, affordable, and custom college papers for sale, online is the place to go.You may have noticed that most traditional businesses are advertising their business by using TV commercials, radio commercials, billboards, newspapers, and magazines. What's going on here? The reason is very simple.Online businesses know that people go online more than any other medium of reaching the public and hence reach them first with their products or services before they even see a commercial. Online businesses are also aware that they need to make their advertisements as attention grabbing as possible to get your attention and hop efully convince you to buy their product or service. However, most businesses simply don't have the time to write and submit a full commercial which is why they turn to the people who do and ask them to write the advertisement for them.However, many businesses are turning to professional paper buyers who can give them the best deal available on top quality custom college papers for sale. This way they can concentrate on other things while they work with the professional paper buyers to create their website. Then the company, which is already established, makes the advertisement to be published online so that potential customers can have access to it. There are various ways of making a website to be available online, but there is no reason why the people who want to have a website for the business cannot pay for a professionally written advertisement to be put up in the classified section of the internet.It is important to remember that these online colleges which sell these kinds of papers often times will have large advertising budgets for them, as they have a lot of people visiting their websites every day. For these students, they can usually find some sort of promotion or sale going on. They can even ask for donations to support their cause so that they can continue to offer these custom college papers for sale.The variety of custom college papers for sale online is something to look forward to. There are actually pages devoted to specific kinds of custom college papers for sale. For example, there is a page which offers paper-oriented designs for children, office papers, and even sports publications. These college papers for sale are often printed on archival paper stock, thus they are almost as long lasting as your standard paper but are not as fragile.Printed paper on the other hand are thicker and more flexible than standard paper. This makes them much more durable and almost as long lasting as archival paper. Archival paper is also acid free, which ma kes it better for printing on the web. It is also a fairly good paper for coloring or drawing on.The reason why many of the websites selling custom college papers for sale do not use archival paper is because of the cost associated with it. In most cases, if the purchase does not need to be made immediately, the customer will likely be given a smaller quantity and the cost will be much lower than that of other options.

Essay On School Uniforms - 1388 Words

Madyson Stevens Miss. Windish English II 16 October 2017 Dress for Success Many schools have decided that having school uniforms is the best for their students. Other schools don’t want to limit the student’s freedom of speech. Schools can’t decide which is the best - have uniforms or not. School uniforms should be mandatory for all students considering the cost, right to freedom and academic success. One reason why school uniforms should be mandatory is the cost. It is more economical for people because it will be cheaper to buy uniforms rather than to have a new outfit for every day. The students will not have to go out shopping every year for new clothes to wear. This can save families money for other activities. The may able to†¦show more content†¦Uniforms provide a bully free environment for the students (â€Å"Reasons Why Schools Should Have Uniforms†). Even though many kids dont like wearing uniforms they still make it fun. They wear jewelry and do their hair how they like. They are able to pick out shoes them shoes that helps to individualize their uniforms. Students like that they can still show off their personality through jewelry they wear, shoes or how they do there hair. The students are still able to go shopping and buy new clothes for when they are not in school. These are just a few examples of how the students can still make their uniforms about them (â€Å"Reasons why schools should have uniforms†). Schools that require school uniforms look a little more formal and well put together because all students look the same and they are all wearing appropriate clothing. Schools that dont require school uniforms have kids wearing inappropriate clothing such as clothes that dont follow the dress code. Uniforms also help students focus more on school rather than what they are wearing. There are also kids that dont really care what they look like, so they wear sloppy or dirty clothing. It gives the school a bad representation if students are wearing those types of clothes (â€Å"Reasons why schools should have uniforms†). When kids wear uniforms, it improves their attendance at school. Kids are moreShow MoreRelatedEssay on School Uniforms1047 Words   |  5 PagesSchool Uniforms The issue of whether or not school uniforms are a necessity in today’s society has been a long standing debate. However, it did not come onto the national scene until 1996 when then President Bill Clinton spoke of the matter in his annual State of the Union Address. Citing the Long Beach city school district in California, Clinton spoke of the positive effects of uniform implementation, including: decreased drug cases, sex offenses, violent crimes and fights. Jessica PortnerRead MoreEssay on Implementation of School Uniforms635 Words   |  3 PagesImplementation of School Uniforms The topic of school uniforms has been highly debated for many years. Many would think it would be the teachers versus the pupils in this debate but they would be wrong, this argument has members from both sides fighting for and against it. In this essay I will look at the topic from both sides and be un-objective in my writing. Many of the arguments made in favour of school uniforms have something to do with the safety of the school communityRead More Uniforms in Schools Essay541 Words   |  3 PagesUniforms in Schools School uniforms in public schools are becoming increasingly popular across the nation. The public school system would benefit greatly if this policy were to be adopted. Opposition is always a factor when trying to make changes. Taking all things into consideration, the positive effects would be far greater than the negative effects. School uniforms should be required in public schools because their use would lead to higher education, less violence, and lower cost to parentsRead MorePersuasive Essay On School Uniforms1671 Words   |  7 Pages Hari Mainali South University School Uniform â€Æ' Abstract Freedom of dress is violated by restricting on school uniform. A school and university have their own dress code which does not require a particular dress. Some researcher and scholar suggest misbehavior in the student are the result of banning uniform. But misbehavior is what they acquired in their life. Banning uniform, student can exercise their right to express themselves freely. Student will be able to focus on education and saveRead MoreSchool Uniforms Essay867 Words   |  4 PagesHigh schools that require students to wear school uniforms can be found around the world and have even been proven to function better than some schools that don’t require their students to wear uniforms. If Smackover High School required their student body to wear uniforms, it would come with quite a few benefits for the students, teachers, and parents. My view is that SHS should issue school uniforms. One perk to uniforms is that the cost of school uniforms would be less than if parents had toRead MoreSchool Uniforms Essay686 Words   |  3 PagesSchool uniforms should definitely be used in school systems. Uniforms are both good for schools as well as for the students. Wearing uniforms will help build a sense of unity within the school. Instead of everyone as a separate team, everyone will be in the same team. Wearing uniforms will help free students of the stress of what to wear in the morning. Wearing school uniforms will help improve student individuality and improve their self-esteem. First, wearing matching uniforms can make studentsRead More School Uniforms Essays684 Words   |  3 Pages nbsp;nbsp;nbsp;nbsp;nbsp;Schools today arent in the best condition. There is teasing, violence, discrimination, cliques, and poverty. There is much to say about how having mandatory school uniforms will help these problems. My question is, will uniforms help these problems enough to dismiss the hurt that they would cause? I say the uniforms do little to help. nbsp;nbsp;nbsp;nbsp;nbsp;Having uniforms would stop the teasing and discrimination about clothing, but there is more to teaseRead MoreSchool Uniform Essay774 Words   |  4 PagesUniforms should be essential to all schools around the world. Uniforms will provide a more organized school unit. Our public school systems are in a dispirited and discouraged state. Violence, poor attendance, disruptive behavior and disheartening attitudes stand in the way of a child’s education today. Certain changes are needed to return our educational standards to a worldwide competitive level. Our schools should once again become the safe havens and community centers for the education and theRead MoreSchool Uniforms Essays475 Words   |  2 PagesSchool Uniforms Until President Clinton called attention to the issue in his State of the Union address, mandatory public school uniform policies were sporadic local occurences. A few school districts had been quietly experimenting with uniforms for years, but the issue caught President Clintons eye after the Long Beach, California school district released some numbers suggesting that after only one year, its mandatory uniform policy had not only brought about significant decreases in vandalismRead More School Uniforms Essay2067 Words   |  9 PagesSchools should have uniforms for students so they can be distinguished between grade levels and to have all students dress the same way and offer some protection. Students might be against it because they want to wear regular clothes to impress other students. School uniform should be allowed in private as well in public schools because it will help faculty distinguish students, people and prevent inappropriate dressing. â€Å"Having a uniform helps students and parents resist peer pressure. In schools

Data Mining In Banking Sector Finance Essay - Free Essay Example

Sample details Pages: 9 Words: 2746 Downloads: 4 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? Data mining defines the nontrivial extraction of hidden, previously unknown, and theoretically useful information from data. It is the facts of extracting valuable information from large databases. Banks have several and vast databases. Don’t waste time! Our writers will create an original "Data Mining In Banking Sector Finance Essay" essay for you Create order The important business information can be extracted from these data stores. The main application areas of data mining in banking are Customer Relationship Management, Marketing, Risk Management, Data cleansing, Fraud Detection, Software Support, and Present Industry Status. Data mining tools are used by leading banks for customer segmentation and profitability, forecasting payment default, credit scoring and approval, detecting fraudulent transactions, etc. The study of private and public banks has been done to appraise the feasibility of implementation of techniques of data mining. The fundamental aim of this paper is to check the feasibility of implementation of the techniques in banking sector in India. It highlights the perspective applications of data mining to increase the performance of some of the core business processes in banking sector. INTRODUCTION: Data Mining is the process of extracting knowledge hidden from large volumes of raw data. The knowledge must be new, not clear, and one must be able to use it. Data mining has been defined as the nontrivial extraction of implicit, previously unknown, and possibly useful information from data. It is the knowledge of extracting useful information from large databases. Data mining is one of the tasks in the process of knowledge discovery from the database. Data mining applications has two primary components namely Data manager and Data mining tools/algorithms. Data mining techniques can be classified as artificial neural networks, genetic algorithms, nearest neighbour method, decision trees and rule induction. Data Mining In Banking Sector: The computerization of financial operations connectivity through World Wide Web and the support of computerized softwares has completely changed the basic concept of business and the way the business operations are being carried out. The banking sector is not exclusion to it. It has also observed a tremendous change in the way the banking operations are carried out. Since 1990s the entire model of banking has been moved to online transactions, centralized databases, online transactions and ATMs all over the world, which has accomplish banking system technically robust and more customer oriented. In the present day environment, the large amount of electronic data is being preserved by banks around the globe. The enormous size of these data bases makes it impossible for the organizations to analyse these data bases and to retrieve useful information as per the need of the decision makers. [4] Banks have to adjust to the changing requirements of the societies, where people not only repute a bank account as a right rather than a privilege, but are also appraised of the fact that their business is valuable to the bank, and if the bank does not aspect after them, they can take their business elsewhere. Technology in banking is not just the computerization of process, but it is much more than this. The amount of data collected by banks has grown rapidly in recent years. Current statistical data analysis techniques find it difficult to manage with the large volumes of data now available. This volatile growth has leads to the need for new data analysis techniques and tools in order to find the information unknown in this data. Banking is an area where massive amounts of data are collected. This data can be produced from bank account transactions, loan repayments, loan applications, credit card repayments, etc. It is expected that valuable information on the financial profile of customers is hidden within these enormous operational databases and this information can be used to improve the performance of the bank. [7] The banks in India and abroad have started using the techniques of data mining. Chase Manhattan Bank in New York, Fleet Bank Boston, ICICI, IDBI, Citi bank, HDFC and PNB in India are using data mining to analyse customer profiles to use them for their benefits. The banking industry across the world has undergone tremendous changes in the way the business is conducted. With the recent implementation greater acceptance and usage of electronic banking, the capturing of transactional data has become easier and simultaneously, the volume of such data has grown considerably. It is beyond human capability to analyses this huge amount of raw data and to effectively transform the data into useful knowledge for the organization [2]. The banking industry is widely recognizing the importance of the information it has about its customers. Undoubtedly, it has among the richest and largest pool of customer information, covering customer demographics, transactional data, credit cards usage pattern, and so on. As banking is in the service industry, the task of maintaining a strong and effective CRM is a critical issue. To do this, banks need to invest their resources to better understand their existing and prospective customers. By using suitable data mining tools, banks can subsequently offer ÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€¦Ã‚ ¾tailor-madeÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€¦Ã‚ ¸ products and services to those customers [2]. There are numerous areas in which data mining can be used in the banking industry, which include customer segmentation and profitability, credit scoring and approval, predicting payment default, marketing, detecting fraudulent transactions, cash management and forecasting operations, optimizing stock portfolios, and ranking investments. In addition, banks may use data mining to identify their most profitable credit card customers or high-risk loan applicants. To help bank to retain credit card customers, data mining is used. By analysing the past data, data mining can help banks to predict customers that likely to change their credit card affiliation so they can plan and launch different special offers to retain those customers. Credit card spending by customer groups can be identified by using data mining. Following are some examples of how the banking industry has been effectively utilizing data mining in these areas. HISTORY OF DATA MINING IN BANKING: Keeping the requirement of use of information technology in the banking sector, the Reserve Bank of India constituted a committee on technology up gradation in the banking sector, the committee emphasized the usage of management information systems by the banks and recommended that by the use of data mining techniques data available at several computer systems can be accessed and by a combination of techniques like classification, clustering, segmentation, sequencing, association rules, decision tree various ALM reports such as Statement of Structural Liquidity, Statement of Interest Rate Sensitivity etc. or accounting information like Balance Sheet and Profit Loss Account can be generated instantaneously for any desired period/date. Trends can be examined and predicted with the availability of historical data and the data warehouse assures that everyone is using the same data at the same level of extraction, which removes conflicting analytical results and arguments over the source and quality of data used for analysis. In Indian Express Newspapers highlights the Citibank, HDFC Bank and ICICI Bank have taken the lead in using data mining along with leading mobile telephony service providers. The data mining techniques can be of enormous help to the banks and financial institutions in this arena for better targeting and acquiring new customers, fraud detection in real time, accommodate segment based products for better targeting the customers, search of the customers obtaining patterns over time for better retention and relationship, detection of developing trends to take proactive approach in a highly competitive market adding a lot more value to existing products and services and launching of new product and service bundles. The leading banks are using data mining tools for credit scoring and approval, customer segmentation and profitability, detecting fraudulent transactions, predicting payment default, marketing, etc. [7] APPLICATION OF DATA MINING IN BANKING SECTOR: As banking competition becomes more and more global and powerful, banks have to fight more creatively and proactively to gain or even maintain market shares. Banks which still trust on reactive customer service techniques and conventional mass marketing are doomed to failure or degenerate. The banks of the future will use one asset, information and not financial resources, as their control for survival and excellence. Most of this knowledge are currently in the banking system and generated by daily transactions and operations. This valuable information need not be collected by intrusive customer surveys or expensive market research programs. Marketing: One of the most widely used areas of data mining for the banking industry is marketing. The banks marketing department can use data mining to analyse customer databases and develop statistically complete profiles of individual customer preferences for products and services. By offering only those products and services that customers really want, banks can save substantial money on promotions and offerings that would otherwise be unprofitable. Bank marketers, therefore, need to focus on their customers by learning more about them. Bank of America, for instance, uses database marketing to improve customer service and increase profits. By consolidating five years of customer history records, the bank was able to market and sell targeted services to customers. Uses of Data mining in the area of Marketing: Customer Acquisition Marketers use data mining methods to discover attributes that can predict customer responses to offers and communications programs. Then the attributes of customers that are found to be most likely to respond are matched to corresponding attributes appended to rented lists of noncustomers. The objective is to select only noncustomer households most likely to respond to a new offer. Customer Retention Data mining helps to identify customers who contribute to the companys bottom line but who may be likely to leave and go to a competitor. The company can than target these customers for special offers and other inducements. Customer Abandonment Customers who cost more than they contribute should be encouraged to take their business elsewhere a customer has a negative impact on the companys bottom line. Market basket analysis Retailers and direct marketers can spot product affinities and develop focused promotion strategies by identifying the associations between product purchases in point-of-sale transactions. Risk Management: Risk management covers not only risks involving insurance, but also business risks from competitive threat, poor product quality, and customer attrition. Customer attrition, the loss of customers, is used in finance, retail, and telecommunications industries to help predict the possible losses of customers. Losing customers to competitors is a major concern for industries today, with the increasing amount of competition businesses are facing. Therefore, methods must be found to determine the number of customers who are likely to be lost to competitors so that a business can be used is to build a model of customers who are likely to leave and go to a competitive company. An analysis of customers who have recently left can often show non-nutritive patterns, such as after a customer has a change of address or a recent protracted exchange with one of the agents of the company. Data mining is broadly used for risk management in the banking industry. Bank executives necessity to know whether the customers they are dealing with are reliable or not. Providing new customers credit cards, prolonging existing customers lines of credit, and approving loans can be unsafe decisions for banks if they do not know anything about their customers. Data mining can be used to reduce the risk of banks that issue credit cards by determining those customers who are likely to default on their accounts. Credit and market risk present the central challenge, one can observe a major change in the area of how to measure and deal with them, based on the advent of advanced database and data mining technology. Today, integrated measurement of different kinds of risk (i.e., market and credit risk) is moving into focus. These all are based on models representing single financial instruments or risk factors, their behaviour, and their interaction with overall market, making this field highly important topic of research. Financial Market Risk Credit Risk Fraud Detection: Another popular area where data mining can be used in the banking industry is in fraud detection. Being able to detect fraudulent actions is an increasing concern for many businesses; and with the help of data mining more fraudulent actions are being detected and reported. Two different approaches have been developed by financial institutions to detect fraud patterns. In the first approach, a bank taps the data warehouse of a third party and use data mining programs to identify fraud patterns. The bank can then cross-reference those patterns with its own database for signs of internal trouble. In the second approach, fraud pattern identification is based strictly on the banks own internal information. Most of the banks are using a hybridÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€¦Ã‚ ¸ approach [2]. One system that has been successful in detecting fraud is Falcons, fraud assessment systemÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€¦Ã‚ ¸. It is used by nine of the top ten credit card issuing banks. The data mining techniques will help the organization to focus on the ways and means of analysing the customer data in order to identify the patterns that can lead to frauds [10]. The bank mines customer demographics and account data along different product lines to determine which customers may be likely to invest in a mutual fund, and this information is used to target those customers. Bank of Americas West Coast customer service call centre has its representatives ready with customer profiles gathered from data mining to pitch new products and services that are the most relevant to each individual caller. [1] Portfolio Management: Portfolio management refers to the selection of securities and their continuous shifting in the portfolio to optimize returns to suit the objectives of an investor. Portfolio management package is one of the merchant banking activities recognized by Securities and Exchange Board of India (SEBI). The service can be extracted either by merchant bankers or portfolio managers or discretionary portfolio manager. There are three major activities involved in an efficient portfolio management which are as follows: Identification of assets or securities, allocation of investment and also defining the classes of assets for the purpose of investment, They have to decide the major weights, percentage of different assets in the portfolio by taking in to consideration the related risk factors, To end, they select the security within the asset classes as identify. Risk measurement approaches on an aggregated portfolio level quantify the risk of a set of instrument or customer including diversification effects. On the other hand, forecasting models give an induction of the expected return or price of a financial instrument. Both make it possible to manage firm wide portfolio actively in a risk/return efficient manner. The application of modern risk theory is therefore within portfolio theory, an important part of portfolio management. With the data mining and optimization techniques investors are able to allocate capital across trading activities to maximise profit or minimise risk. This feature supports the ability to generate trade recommendations and portfolio structuring from user supplied profit and risk requirement. With data mining techniques it is possible to provide extensive scenario analysis capabilities concerning expected asset pricesor returns and the risk involved. With this functionality, what if simulations of varying market conditions e.g. interest rate and exchange rate changes) cab be run to assess impact on the value and/or risk associated with portfolio, business unit counterparty, or trading desk. Various scenario results can be regarded by considering actual market conditions. Profit and loss analyses allow users to access an asset class, region, counterparty, or custom sub portfolio can be benchmarked against common international benchmarks. Customer Relationship Management: In the era of cut throat competition the customer is considered as the king and its the customer only who is ruling the whole show. The concept of selling a product to the customer is outdated and obsolete, now the objective is to reach to the heart of the customer and hence to develop a sense of belongingness for the organization. The huge data bases of various organizations are storing billions of data items about the customers. Data mining can be useful in all the three phases of a customer relationship cycle: Customer Acquisition, Increasing value of the customer and Customer retention [5]. Data mining technique can be used to create customer profiling to group the like-minded customers in to one group and hence they can be dealt accordingly [8]. The information collected can be used for different purposes like making new marketing initiatives, market segmentation, risk analysis and revising company customer policies according to the need of the customers [9]. The profiling is usually done on the basis of demographic characteristics, life style and previous transactional behaviour of a particular customer. Customer profiling is to characterize features of special customer groups [10].

The Civil Rights Movement Essay - 2043 Words

Johnson: Savior of the Civil Rights Movement? The Civil Rights Movement and President Johnson are closely linked in history. Though there were many other faces to the Civil Rights Movement, Johnson’s was one of the most publicly viewed and instrumental in its passing. It was Johnson who carried the weight and responsibilities of the issue after the assassination of JFK, and it was he who would sign it. Lyndon B Johnson was the most influential forces in establishing the movement that would ensure civil rights for black americans. Johnson was a constant and unwavering supporter of civil rights. Without his supreme efforts in establishing civil rights for all, equality would never have come to pass. Lyndon B Johnson was elected†¦show more content†¦Lynching and hate crimes were commonplace, especially down south. America reeked of hatred and fear. Something needed to be done, intolerance had to be abolished, and people needed to learn acceptance. LBJ fully felt the extent of the disfiguration of black americans done by racism. He told his audience that â€Å" Ability is stretched or stunted by the family that you live with, and the neighborhood you live in--by the school you go to and the poverty or the richness of your surroundings†(LBJ, speech at HU) meaning that he understood there were people destroyed by racism and people in need of help in order to return to function in society. Johnson acknowledged the hardships of African American people in American society. He let it be understood that what many of them had to put up with was extremely unjust. He once said â€Å"The American Negro, acting with impressive restraint, has peacefully protested and marched, entered the courtrooms and the seats of government, demanding a justice that has long been denied† showing his deep respect and a profound admiration for the patience and self restraint shown by black protestors, especially when their white accusers were less than human in their actions. He also understood that his actionsShow MoreRelatedThe Rise Of The Civil Rights Movement1179 Words   |  5 Pagessegregations. Out of the numerous elements that arose in the 1960s, there are three movements that truly affected the American society. Firstly, the rise of the civil rights movement was greatly influenced by racial discrimination of colored people in the South. Secondly, the women’s movement aime d to convince the society that women are capable of achieving and maintaining higher waged job like males. 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New Kind of Dreaming free essay sample

A New Kind Of dreaming Anthony Eaton A New Kind Of Dreaming by Anthony Eaton is a story about a town’s haunted past and a boy’s troubled present. When Jamie Riley was sent to Port Barren, he did not realize that he would be drawn into the town’s shadowy past and into a web of secrets. As soon as Jamie stepped off the bus he felt â€Å"a sense of uneasiness and foreboding† [P. 31]. Port Barren is described as a town â€Å"full of menace and shadows† [P. 42]. Jamie’s social worker, Lorraine, warns him against â€Å"digging around in the past†¦Let people have their secrets. However, Jamie ignores Lorraine’s advice and so uncovers a number of terrible secrets. Seventeen-year-old Jamie has been sent to the desert town of Port Barren to serve a two-year sentence for car theft. His brother was sent to Jail for stealing the car. We will write a custom essay sample on New Kind of Dreaming or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page His mother died when he was young and his father is a drunk that never sees him, Jamie and his brother have had a few foster parents and they always hate them but Archie was different to Jamie he had no curfew or rules and they didn’t talk much. The novel begins with a prelude set six years earlier. It provides the context for the most disturbing secrets of Port Barren, those of the town’s police officer, Sergeant Butcher. He is responsible for the deaths of two Indonesian refugees. First they saw this old wooden boat that smelled really bad, McPherson the youngest one said they should ring the coastguard but Butcher said they should go for a look. McPherson got talked into going onto the boat, when they got onto the boat they found lots of dead bodies so McPherson was going to throw up so he ran out onto the deck, when he was throwing up old man come up behind him and was going to hit him with a machete but Butcher hit the old man first, Butcher hit him so hard that he killed the man, so Butcher said to McPherson that that will be there little secret but little that they know there was a little girl on the boat watching them. So they took the boat back to Port Barren and then they found the girl in boat but before the air doctor Butcher killed her so he wouldn’t get in trouble. Sergeant Butcher carries other dark secrets, namely the murder at Flahertey’s Curse of a youth offender sent to Port Barren, and the murder of Constable McPhearson, who knew too much. Butcher killed him because he told Jamie about the murder of the man and the girl so Butcher made it look like he suicided but really butcher killed him Jamie’s social orker, Lorraine also has her own humiliating secret, known only to Sergeant Butcher who holds it over Lorraine’s head, so when ever see was going to say something he would say that he would tell everyone The stories of the wanderers – Aborigines and Stolen generation By uncovering all these secrets, Jamie is able to gain peace for the murdered refugee girl, make Sergeant Butcher accountable for his crimes and restore balance. At the same time, he was able to gain confidence and self-esteem. Fortunately, Jamie ignored Lorraine’s request to leave the secrets of port Barren untouched because he brought justice and closure to many murky secrets.