Money and banking

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Most people keep money in a bank account because it is safer and more convenient to keep momey at a bank than as cash. You can also earn interest on money in a bank.

. People use their bank accounts to

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Withdraw and deposit money.

Pay for purchases and services.

Make regular payments of bills etc.

Accept regular payments of items such as wages.

. Banks use computerised information systems to manage accounts because

A large bank may have several million accounts to manage.

Computerised systems can store vast amounts of data in a small space.

Using a WAN account information can be made available worldwide.

Account information can be retrieved very quickly using transaction processing.

A large number of automatic transfers and regular payments could not be completed manually.

Many measures can be used to keep computerised data secure.

4. Important features of a bank account are

Debit Card A card which can be used to pay for goods and services. Information about the account that the card relates to is stored on the card using a magnetic stripe. Newer cards are smart cards and also store data in RAM.

Credit Card Similar to a debit card, but you do not have to pay for items that you purchase with a credit card immediately.

ATM Automatic Teller Machines (ATMs) can be used to widthdraw money from an account and to access other services. To use an ATM a debit or credit card must be inserted into the machine and a password known as a PIN muct be typed on a keyboard. An ATM uses a modem and telephone line to communicate with a banks central computer.

EFTPOS Electronic Funds Transfer at Point Of Sale (EFTPOS) is the method used to pay for items that are purchased with a debit or credit card. At a shop an EFTOS terminal is used to make a sale. The card is swiped through a reader which reads account information from the magenetic stripe. This information together with the amount to pay is sent using a modem to a banks central computer so that the money can be immediately transferred from the purchasers bank account to that of the seller. A voucher is printed showing details of the sale.

Cheques Cheques can be used to pay for goods and services. A customer must write payment details onto a cheque to use it. Information about the account that the cheque should be paid from is printed on the cheque using MICR. The process of transferring money from one bank account to another when payment has been made by cheque is known as clearing, and can take up to seven days.

Statements Each account holder receives a statement periodically which lists the transactions on his account. Database queries are used to select the information to print on a statement. Because many statements have to be produced they are printed on very fast laser printers.

BACS The Bankers Automatic Clearing System (BACS) is used by companies to automatically transfer money from one bank account to another. A computer equipped with a modem is used to send details of payments to the banks computer. Most people have their wages paid to them by BACS.

Standing Orders and Direct Debits Standing orders and direct debits can be used to make automatic regular payments of bills. Every day a query extracts the list of payments to be made on that day from an accounts database and the payments are made automatically.

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Edith whartons legacy

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EDITH WHARTON'S LEGAY

Edith Wharton had changed so much from the shy girl she was. She continued to write and publish until the time of her death in 117 in France. No author has been able to capture the society of New York as Edith Wharton did. Her works have been successfully adapted for stage and screen, as she will continue to captivate audiences for years.

Wharton has emerged as a major early twentieth century American author. Her novels shed some light on the complicated world of upper class society. That was a world, which few authors of her time could explore with such accuracy and authority. She exposed in her writings many of the social hypocrisies that shaped Americas rapidly changing upper class. Her importance however went further beyond the upper class society that she helped expose to the public. Wharton has influenced the imaginations of many other writers. Writers of her time, as well as those she continues to inspire today.

Marriage, children and home keeping were to be the number one priorities of a woman's life, and Wharton was a master at showing how those images may be blessings for some women, but for others might have felt like a prison that took their spirits away from them.

You can see from some of her stories that Wharton tries to expose how some women are given and are told by society what they must have in their lives. Those things are family, home and security. These were all things that influenced her ideas and stories.

For Edith Wharton to question the political correctness of the times, it was not unexpected. She was not the only writer of her time period to question the attitudes of the twentieth century.

One of her most influential writers, Henry James, who was also one of her closest friends, was also involved in the same type of criticism writing. His friendship along with his guidance helped Ms. Wharton to develop her style. For Henry James and Edith Wharton, it gave them the opportunity to show exactly what was going on in their social structures, and also gave them the opportunity to present their talents.

In Edith Wharton's final story, she presents an image of a woman who is alone and widowed for years, but appears to be extremely happy and surviving at a comfortable level. This was her biggest inspiration, her own life. After divorcing her husband of twenty-eight years, Wharton never remarried, but the thought of remarrying never even crossed her mind. She was happy where she was and the people she was with. All of these gave her the inspiration to write all of the novels that she did.

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Animal farm

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Quote 1 'Napoleon was a large, rather fierce-looking Berkshire boar, the only Berkshire on the farm, not much of a talker, but with a reputation of getting his way.'

Right from the beginning of the rebellion, the pigs can be seen to be dominating over the other animals and abusing their power. Even when Snowball was there, this exploitation was happening.

The story changes when Snowball was chased away.

Napoleon announced his leadership straight after he set ferocious dogs after Snowball, and so the animals were traumatized and this was the ideal time for no one would oppose him when in a state of shock and terror.Cheap College Papers on animal farm

With no strong opponent left to defy his regime, Napoleon was free to do what he wanted and he used force to do this.

The silly animals adopted the phrase Quote Napoleon is always right.

Allowing, without reprimand, the pigs to get up late, dine from Jones' diner service, live in the farmhouse and to sleep on beds showed how unconcerned or worse powerless, the animals were.

The animals wasted much time building the windmill when they should have been harvesting crops for food in the belief that Napoleon was right. They worked to exhaustion for the false promises and the visions of a better life.

Napoleon gave himself the credit for every good thing such as the building of the windmill, winning the war against humans and fancy titles such as Terror of Mankind, and Protector of Sheepfold.

The executions in chapter seven show clearly that the animals surrendered to the increase in the power of Napoleon in a blind manner.

Quote . . . the tale of confessions and executions went on, until there was a pile of corpses lying before Napoleons feet.

Napoleon outlawed 'Beasts of England' which served as the only memory of Old Major, his views and the rebellion and instead eulogized himself through a poem written describing his great hollow deeds. This was a malicious use of propaganda and was very effective with Squealer's alluring talk.

While the animals bitterly starved, Napoleon sent Squealer to tell them false information and lies about their memories and about Snowball by painting him as the destroyer of the windmill which was the symbol of progress for the animals. This added to his power for what better job can a leader do than to discriminate a criminal.

Quote 4 Whenever anything went wrong, it became usual to attribute it to Snowball.

Napoleon stopped showing in public and had security all the time around him like a king. He had made himself inaccessible, a vital step towards ultimate power.

Napoleon changed in a big way at the end, and shed off the false character of being a leader of animals and became a human. The humans themselves degraded into pigs. If the story were continued, then eventually Napoleon would have got get kicked out and it would all happen again.

Was this inevitable?

The rebellion was doomed to fail from the beginning because

1. Many animals didnt have sufficient education to know what happened on the farm.

. They didnt realize they were being manipulated because they were so stupid.

With the help of Squealer's 'smooth-talking', the blank character of Boxer saying Quote 5 "I will work harder", the puppet-like sheep, the ferocious dogs, the uneducated and ignorant animals and Benjamin, the donkey who would never stand up against him, Napoleon had absolute power and absolute power corrupts everybody.

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Pooop

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Spencer Yingling

Mr. Davidson

0//0

English Class

God Helps Them That help Themselves!!!

God helps them that help themselves. The way you live your life is your choice but there are certain ways that life should be lead. One of those, probably the best one is helping yourself so that others may help you.

I can remember one time when I was younger that I had to become good at a sport in order to be recognized when I play. The first sport I ever played was baseball. All I remember is one day my dad came to me and asked me to play baseball, without thinking about it I said yes. After that the next couple of weeks my dad and I played around in the backyard with a glove and bat. It turned out that I didn't need much practice because I inherited a lot of athletic ability from my parents. After the first year of regular league I ended up on the all-star traveling team winning countless awards and metals. That relates by that I had talent to play the game by my parents and I improved are team standards by being on the team.

I can recall another time, actually during baseball season where one of my friends my mom and I went to King Island for the weekend. The first time I ever been to Kings Island, the day was going good until we came upon a new roller coaster, The Vortex. It had two giant lopes after one another; I took one look at it and had me eyes on the next ride. But my mom and friend where all eyes wide-open eagerly wanted to get in line to ride. After some creative talking they talked me into riding it. I rode it, not really thinking about it as I was on it but as soon as I got off I immediately wanted to jump back into line and ride again. After a couple of more times we ended up in the water park with good memories to remember. I can relate this to my aphorism by that the fallowing week I went to Cedar Point with another friend and he was just like me, but all it took was little convo. to get him to love the rides like I do.

There is one recent time I can remember with some detail. That being my junior year playing soccer, I became good friends with the best player on the team. It got to be that we'd hang out everyday after school and just play around with the soccer ball. I'd use to ask how he does the moves and trick he dose. He would teach me the moves and tricks and I'd have them down in a couple of days or so and then I'd come back with the moves he just taught me with a little different spin to them and teach that to him. So that would be helping someone by helping myself at the same time.

In conclusion I'd prefer to fallow this aphorism as a guideline to my life. During my life I can look back and be able to have said that God helps them and actually live by that.

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The Constitution vs. The Articles of Confederation

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The Constitution vs. The Articles of Confederation

Our country has always had its way of Government and pertaining factors based on a written compellation of the way the country should be run. The first document that the country was run by was called The Articles of Confederation. The Articles of Confederation were instated by Congress, November 15, 1777 and were in effect until March 1, 1781. The Articles of Confederation were then ensued the document that the United States of America have since been established and run by. This document is entitled simply The Constitution of The United States of America, adopted July , 1788, but wasn't in effect until March 4, 178.

The Articles of Confederation was the first government of the United States. It had a weak central government and the basic democracy was based on State control. Although the states had strong control it didn't necessarily bring unity to the whole country. In having a weak central government it made the country susceptible to having no central command. There was no standing army, instead the states had militia. This idea of government had some good qualities but most of them lead for an unorganized country where the central government had to ask the states for taxes and such.Order Custom Essay on The Constitution vs. The Articles of Confederation

The Constitution came about when people began to rebel under the State control. There were several little rebellions which made the need of a new form of government apparent. In 1787 a committee formed to create a new from of government. This committee met from may to September of that year debating on the ideas of a new government. Different plans for a government were brought up but they all had fundamental flaws. Finally Benjamin Franklin came up with the Great Compromise which stated that the upper house of Congress (The Senate) should have equal representation from the states while the lower house (The House of Representatives) should have representation according to size and population. It took awhile for the thirteen states to finally agree to this but they, the representation of the states in committee finally signed as the new document of government on September 17, 1787. After The Constitution was agreed upon there were ten amendments made which formed a document which is now referred to as The Bill of Rights.

The Constitution and The Articles of Confederation are a like in some ways but in others are widely different. Some of the basic ideas form the Articles of Confederation influenced The Constitution and The Bill of Rights such as Articles of Confederation Article and the First Amendment in the Bill of Rights. The Constitution goes through the parts of government in great detail. The focus of The Constitution is on having a strong central government and less state power which is the direct opposite of the basis of The Articles of Confederation.

The Constitution has been in effect since then and has only had seventeen amendments made since the first ten. It's interesting to think that our country and the way we function as a whole is based on a document written in the 1700's. This document is well formulated and is definitely effective..

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This is not an essay

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The term 'Euthanasia' Eu Thanatos comes from the Greek word for 'easy death'. It is the one of the

most public policy issues being debated about today. Formally called 'mercy killing',

euthanasia is the act of purposely making or helping someone die, instead of allowing

nature to take its course. Basically euthanasia means killing in the name of compassion.

Buy this is not an essay term paper

Death comes to us sooner or later, but to end life prematurely to stop pain seems to be up

to debate.

Everybody dies. Even the greatest advances in modern medicine cannot prevent the

inevitable. But with all the advances in modern technology and treatments human

beings are now capable of prolonging life and postponing death. These advances in

technology have proven to be a great benefit to great number of people. However there

are the very few who, whether it be because of despair or disorder, wish to bring death

Worldwide, support for the practice appears to be increasing. Vigorous efforts for

legalization are proceeding in numerous countries. The Dutch have now legalized

mercy killing after many years of unofficial toleration. In our own country,

euthanasia has been legalized in Oregon since 18.

upon themselves just a little sooner. Life is our most precious gift

Opponents of assisted suicide say that it violates religious beliefs.

Life is a gift from God and, so, it should only be taken away by God.

If we begin to approve of suicide, we devalue life. But, in the United

States, the First Amendment states that we have freedom of religion. So, if is

not our belief that assisted suicide is wrong than how can the government, or

The controversy surrounding euthanasia, and the arguments supporting or

protesting the practice have raised serious concern and problems in

the medical field for years, as well as society and the world as a whole.

Many people may confuse euthanasia with assisted suicide, the difference is

in euthanasia, one person does something that directly kills another. For

example, a doctor gives a lethal injection to a patient. In assisted suicide,

a non-suicidal person knowingly and intenti anyone else, tells that we cannot

end our life

in this paper, I want to focus on the controversial and difficult issue of assisted

suicide and

euthanasia. The term 'Euthanasia' comes from the Greek word for 'easy death'.

and has come to mean the good death of another or mercy killing. It is controversial

because it brings into focus and conflicts some very powerful and competing values.

Certainly one of societys traditional attitudes, expressed morally, legally,

philosophically, and rel

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Resources

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Fish resource is classified as a natureal resource where almost 100 million people directly ad indirectly earn their income from fishing, especially in the regions of Asia. Around 11% of the global trade in agricultural products is in fishing products. small scale fishers are also responsible for about 50% of the global scale of fish catch. Fishing was not exploited in the past but spatial change over time led to the demands for fish increasing by about 60% of the fish type tracked by the United Nations independent body. Nine of the worlds 17 major fishing grounds are now in decline an and 4 have been fished out commercially. Only about 10% of fishiers remained under exploited.

The catchment over time has changed dramatically due to the increase of population and the fact that fish is consided part of a healthy diet. The numbers of fish caught has also increased for developing countries such as China, India and Indonesia as this would increase their economy by exporting resources. Technological change over time where there is better equipped and stronger boat so fishers can operate all year around. Bigger, stronger and more resistant nets with smaller mesh are used. Fishers on large boats now have access to statelitte weather data, which allows them to plot the location of warm and cold weather front. Many methods such as hood and line, trawling and purse- seine are also used. There is a high spactial association between the methods used and the amount of fish being caught. However these methods of fishing has caused widespread distribution of damnage to sea- beds.

Although these methods led to a rapid increase in trade where large amount of money has been invested into global fishing, more fish needed to be caught for trade and export and import. For example, in the regions of Asia, the gross register tonnage increased dramatically as in 170 it was 480 which increased to 1101 in 1. However, this increase of fishing has caused countries within the regions of Europe, Asia and North America; which once depended on fishing had to crease their catches due to the cost and declining catches. This eventually brought about the beginning of claims of ocean waters distributed around the world. Countries claimed their own terrtirial waters becuase of the scale of the catches was declining rapidly. Fleets became more efficient over time at catching fishes at distances thousands of kilometres away from home. The United Nations Covention on the Law of Sea (UNCLOS) was signed in 18, which recognised and regluate these territorial claims. This divided the worlds oceans into four main zones on global scale

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