Wednesday, August 26, 2020

Night World Daughters of Darkness Chapter 13 Free Essays

Jade sat in the wing seat, holding Tiggy upsidedown on her lap, petting his stomach. He was murmuring yet frantic. She gazed down into irate, gleaming green eyes. We will compose a custom paper test on Night World : Daughters of Darkness Chapter 13 or on the other hand any comparable subject just for you Request Now â€Å"The other goat,† Kestrel reported from the entryway, saying the word as though it were something not referenced in well mannered society, â€Å"is fine and dandy. So you can let the feline out.† Jade didn’t think so. There was someone insane inBriar Creek, and she intended to protect Tiggy where she could see him. â€Å"We’re must benefit from the goat, are we?† Kestrel asked Rowan hazardously. â€Å"Of course not. Auntie Opal did in light of the fact that she was tooold to hunt.† Rowan looked distracted as she replied. â€Å"I like hunting,† Jade said. â€Å"It’s far and away superior thanI figured it would be.† But Rowan wasn’t tuning in she was gnawing her lip and gazing into the separation. â€Å"Rowan, what?† â€Å"I was contemplating the circumstance we’re in. You and Mark, for a certain something. I think we have to talk about that.† Jade felt reflexive alert. Rowan was in one of herorganizing temperaments which implied you could flicker and find that she’d improved all your room furnitureor that you were moving to Oregon. â€Å"Talk about what?† she said carefully. â€Å"About what both of you are going task. Is he going to remain human?† â€Å"It’s unlawful to change him,† Kestrel put in distinctly. â€Å"Everything we’ve done for this present week is illegal,†Rowan said. â€Å"And in the event that they trade blood again well, it’s just going to take two or multiple times. Do you need him a vampire?† she asked Jade. Jade hadn’t contemplated it. She thought Mark was pleasant the manner in which he was. Yet, maybehe would wantto be one. â€Å"What are you going to do with yours?† she asked Ash, who was coming gradually ground floor. â€Å"My what?† He looked sluggish and crabby. â€Å"Your perfect partner. Is Mary-Lynnette going to stayhuman?† â€Å"That’s the other thing I’ve been stressing about,† Rowan said. â€Å"Have you thought by any means, Ash?† â€Å"I can’t think at this hour toward the beginning of the day. I don’thave a mind yet.† â€Å"It’s nearly noon,† Kestrel said contemptuously. â€Å"I don’t care when it is. I’m still asleep.† He meandered toward the kitchen. â€Å"And you don’t need to worry,† he included, thinking back and sounding progressively wakeful. â€Å"Because I’m not doinganythingwith the young lady also, Jade’s not doing anything with the sibling. Since we’re goinghome.†He vanished. Jade’s heart was pulsating hard. Debris may act unimportant, however she saw the mercilessness underneath. She taken a gander at Rowan. â€Å"Is Mary-Lynnettereally his soulmate?† Rowan reclined, her earthy colored hair spreading likea cascade on the green brocade of the love seat. â€Å"I’m apprehensive so.† â€Å"But then how might he need to leave?† â€Å"Well †¦Ã¢â‚¬  Rowan faltered. â€Å"Soulmates don’t consistently remain together. Once in a while it’s an excess of the fire and lightning what not. A few people just can’tstand it.† Perhaps Mark and I aren’t truly perfect partners, Jade idea. What's more, perhaps that’s great. It sounds agonizing. â€Å"Poor Mary-Lynnette,† she said. A dear voice sounded in her mind:Whydoesn’tanybody state â€Å"Poor Ash†? â€Å"Poor Mary-Lynnette,† Jade said once more. Debris returned. â€Å"Look,† he said and plunked down onone of the cut mahogany seats. â€Å"We need to get things straight. It’s not only an issue ofme needing you to return home. I’m not by any means the only one who knows you’re here.† Jade solidified. Kestrelsaid, nearly pleasantly,†Youtold somebody?† â€Å"I was remaining with someone when the family called to state you were absent. Furthermore, he was there at the point when I understood where you more likely than not gone. He likewise happens to be an incredibly amazing clairvoyant. So simply view yourself as fortunate I persuaded him to let me attempt to get you back.† Jade gazed at him. She considered herself fortunate. She additionally thought of it as odd that Ash would go to such difficulty for her and Rowan and Kestrel-for any bodybesides Ash. Perhaps she didn’t know her sibling just as she suspected. Rowan stated, solemnly, â€Å"Who was it?† â€Å"Oh, nobody.† Ash reclined and took a gander at the roof. â€Å"Just Quinn.† Jade jumped. Quinn †¦ that snake .He had a heart like an ice sheet and he loathed people. He was the sort to assume control over Night World law on the off chance that he didn’t think it was being implemented appropriately. â€Å"He’s returning on Monday to check whether I’ve takencare of the situation,† Ash said. â€Å"And on the off chance that I haven’t,we’re all dead-you, me, and your little human buddies.† Rowan stated, â€Å"So we’ve got until Monday to figuresomething out.† Kestrel stated, â€Å"If he gives anything a shot us, he’s in fora fight.† Jade crushed Tiggy to make him snarl. Mary-Lynnette had been dozing like a stone-buta stone with curiously clear dreams. She imagined about stars more splendid than she’d ever observed and starclouds sparkling in hues like Aurora Borealis. She imagined about sending a cosmic message to Cambridge, Massachusetts, to enlist her case for finding another supernova. About being the firstto see it with her superb new eyes, eyes thatshe found in a mirror-were all understudy, similar to an owl’s or a cat’s†¦. At that point the fantasy changed and she was an owl, diving down in a confounding surge from an empty Douglas fir. She held onto a squirrel in her claws andfelt a flood of basic bliss. Slaughtering felt so common. All she needed to do was be the best owl she could be, and snatch food with her feet. In any case, at that point a shadow fell over her from somewhereabove. What's more, in the fantasy she felt a horrendous debilitated genuine ization-that even trackers could be pursued. What's more, that something was after her†¦. She woke up bewildered not as towhere shewas, yet with respect to what her identity was. Mary-Lynnette or a tracker being pursued by something with white teeth in themoonlight? What's more, in any event, when she went ground floor, she couldn’t shake off the wiped out inclination from her fantasy. â€Å"Hi,† Mark said. â€Å"Is that morning meal or lunch?† â€Å"Both,† Mary-Lynnette stated, plunking down on the family room lounge chair with her two granola bars. Imprint was watching her. â€Å"So,† he stated, â€Å"have you been pondering it, too?† Mary-Lynnette detached the covering a granola bar with her teeth. â€Å"About what?† † Youknow.† Mary-Lynnette knew. She looked around to ensure Claudine wasn’t in earshot.† Don’t think about it.† â€Å"Why not?† When she didn’t answer, he said,†Don’t disclose to me you haven’t been thinking about what it would resemble. To see better, hear better, be telepathic†¦and live for eternity. That is to say, we could see the year 3,000. You know, the robot wars, colonizing other planets†¦. Please, don’t let me know you’renot indeed, even a little curious.† All Mary-Lynnette could consider was a line from a Robert Service Poem: Andthe skies of nightw re bursting at the seams with light, with a pulsating, exciting flame†¦ . â€Å"I’m curious,† she said. ‘But there’s no reason for pondering. They do things we couldn’t do-they kill† She put down her glass of milk as though she’d lost herappetite. She hadn’t, however and wasn’t that the issue? She should be wiped out to her stomach at simply the idea of executing, of drinking blood from a warm body. Rather, she was terrified. Of what was out there inthe world-and of herself. â€Å"It’sdangerous,†she said so anyone might hear to Mark. â€Å"Don’tyousee? We’ve gotten stirred up in this Night World-and it’s a spot where awful things can occur. Not simply terrible like failing a class. Terrible like †¦Ã¢â‚¬  †¦ white teeth in the evening glow †¦ â€Å"Like getting lolleddead,† Mary-Lynnette said. â€Å"And that’s genuine, Mark. Dislike the movies.† Imprint was gazing at her. â€Å"Yeah, however we realized that already.† His tone said â€Å"What’s the enormous deal?† Furthermore, Mary-Lynnette couldn’t clarify. She stood up suddenly. â€Å"If we’re going over yonder, we’d better get moving,† she said. â€Å"It’s right around one o’clock.† The sisters and Ash were holding up at Burdock Farm. â€Å"You and Mark can sit in the front with me,† MaryLynnette told Jade, not taking a gander at Ash. â€Å"But I don’t think you’d better bring the cat.† â€Å"The feline goes,† Jade said solidly, getting in. â€Å"OrI don’t.† Mary-Lynnette put the vehicle in gear and pulled out. As they came in sight of the little duster of structures on Main Street, Mark stated, â€Å"And there it is, downtown Briar Creek in the entirety of its magnificence. A regular Friday evening, with completely no one on the streets.† He didn’t state it with his standard sharpness. MaryLynnette looked at him and saw that it was Jade he was conversing with. Also, Jade was glancing around with real enthusiasm, regardless of the cat’s paws inserted in her neck. â€Å"Somebody’son the streets,† she said merrily. â€Å"It’s that. kid Vic. Also, that other one, Todd. Also, developed ups.† Mary-Lynnette eased back as she passed the sheriff’soffice yet didn’t stop until she reach

Saturday, August 22, 2020

Policy Brief Project Descriptioin ( prison and privatization) Research Paper

Strategy Brief Project Descriptioin ( jail and privatization) - Research Paper Example er jail privatization are investigated by covering sub themes on financial points of view, which remember contentions for favor and against the arrangement through cost factor conversation, hypothetical contemplations on the strategy, and how jail penitentiaries are overseen. The changed strategy pattern incorporates a case brief of Florida. The procedure of arrangement making is extravagantly assessed. Investigation incorporates the acquisition procedure. Job of governmental issues is examined. Job of social partner bunches on changing qualities and interest of different partners on the arrangement features the state of mind of people in general and scramble of the legislature in permitting privatization. End is inferred on adopting a restriction strategy. The pattern of jail privatization began in mid-1980s in the United States. Starting to lead the pack from subsequently, the jail privatization not just became very quick in the government, state and district remedial offices, yet in addition caught advertise for different fields of the jail business like offering budgetary types of assistance for the structure of new penitentiaries and the upkeep of the current detainment facilities. Furthermore, various such privately owned businesses have become open restricted worries by enjoying stock exchanging also. The matter of jail privatization has seen generally more development than different administrations organizations. By and large, privatization of jails is established in â€Å"public choice† thinking of the socio-world of politics, made from the antigovernment state of mind during the Reagan time. It prompted arrangement change in the underlying phases of approach definition, and in the activities of detainment facilities. The issue of jail privatization has publicized the idea that detainment has become an apparatus in the hands of government officials for defining strategies on basic least detaining for the development of jail privatization industry (Price a& Riccucci, 2005). Investigation of the information of the 50 states shows the job of political components like the world of politics of a state and the ideological group administering

Sunday, August 16, 2020

How to Make Cold Calling Work

How to Make Cold Calling Work Cold calling is a bit of a dirty word in the sales world. Most individuals you interview hate receiving cold calls, whilst even the sales representatives have a dislike for the practice. Yet, it remains an important strategy for many companies and it has the potential to provide plenty of benefits to a business â€" if only conducted properly. © Shutterstock.com | Nikita SavostikovThis guide will look at 1) what cold calling is all about, 2) the reason it has a bad reputation, and 3) the advantages it offers to businesses. You’ll learn about 4) the core building blocks of a successful cold calling strategy and 5) the keys to a good cold call.WHAT IS COLD CALLING ALL ABOUT?The practice of cold calling refers to a situation where a business contacts potential customers without their anticipation of such an interaction. It is essentially a technique where the business approaches individuals without knowledge that they are interested.You shouldn’t confuse it with the opposite practice of warm calling, where the business has prior knowledge to suggest the person contacted is interested in the product. Cold calling can sometimes also be mistakenly identified as telemarketing. Whilst cold calling is a form of telemarketing, telemarketing is not limited to using cold calling as a strategy. In telemarketing, there is often pri or research involved and it often includes further call-ups with the individual or business.Cold calling strategies typically refer to phone calls, but cold calling can also entail different methods. For example, drop-in visits can be part of a cold calling strategy. The defining aspect of a cold calling strategy is its focus on individuals or businesses, which are not pre-screened or questioned to find out whether they are interested in what the business has to offer.The practice is widely considered one of the toughest sales strategies, mainly due to its unpredictability.WHY COLD CALLING HAS A BAD REPUTATIONCold calling has received a bad reputation in recent years. Since the nature of cold calling requires the contact to be without a prior notice, it can often be considered rather intrusive. The strategy doesn’t involve any prior knowledge of whether the customer is looking to receive the contact and at what time, which can lead to the business contacting at inappropriate times .There have also been certain examples of industries and businesses using aggressive cold calling tactics. Some of these have meant individuals have been contacted at a wholly inappropriate time, the sales pitches have been too intrusive and the person has been contacted numerous times a week or even a day.With the rise of alternative marketing and sales tactics, such as social media, e-mails and text message marketing, cold calling has also been loosing more ground and popularity.WHY COLD CALLING CAN BE BENEFICIAL TO YOUR BUSINESSBut despite the bad press, there are certain benefits a business can enjoy by using a cold calling strategy. If you apply cold calling in the right manner in your business, the strategy has the potential to:Identify new leads â€"Cold calling is a great way to recognise new targets for your business. Whether you are looking to sell your product or service to an individual or a business entity, you can gain insight into a potential client simply by contactin g people. In terms of cold calling from business to business, cold calling can be a great way to identify the people in the other business that might be interested in knowing about your business.Gain insight in the market â€" If your business’ marketing tactics are not providing the required impact, cold calling can be a useful method for understanding the reasons behind the problem. By contacting the individuals, you can understand why people might not be interested in your product. If you reach out to people you’ve cold called in the past with no success, you can gain insight into why the particular campaign didn’t work. Perhaps what you offer is not the problem, but rather the way you were trying to sell it.Cost effective marketing â€" Cold calling also tends to offer a more cost-effective solution to some other marketing methods. Telemarketing is often a relatively cheap alternative to advertising through other mediums and can help you increase conversion rates with relati vely little effort.On an individual level, mastering the art of cold calling can also be highly beneficial. Since the strategy is considered to be among the hardest sales tactics, you can learn plenty of transferable skills by becoming good at cold calling. These skills include the ability to solve problems quickly, increased creativity and enhanced interpersonal skills.THE THREE BUILDING BLOCKS OF EFFECTIVE COLD CALLING CAMPAIGNSIn order to avoid the negative response and to take advantage of the above benefits, your business must approach cold calling carefully. It is vital to device a solid strategy for cold calling or otherwise your business could potentially damage its brand, as well as miss the benefits.For your cold calling strategy to work, the following three building blocks must be at the core of your plan.1) Defining your target marketFirst, while cold calling doesn’t require you to know whether the people you are contacting are looking for your specific business, it al so doesn’t mean you just dial a number and start calling. You need to define a target market before you start calling, because not everyone is going to benefit from what you are offering.Before you make the calls or visits, consider the kind of audience you are looking for, the people or businesses that would actually benefit from your business. The art of cold calling is all about understanding who can benefit from what you offer and convincing the individuals or businesses to feel the same way.Since you don’t want to be spending time with customers who have no need for your product, you need to be able to identify the ones that do. This will ensure you actually provide the right sales pitch to the right people.In addition, if you are targeting business clients, then you have to do basic research before you call. What is meant by basic research is not detailed business and personal information â€" you simply need to know the name and the area of industry the business operates i n. These can be found on LinkedIn and business websites in a matter of seconds, so don’t forget the basic research!2) Having a reason for calling and a call to actionOn the other hand, you also need to have a valid reason for contacting the people. In a matter of moments, you must be able to explain to the individual why they should take the time and listen to your pitch. If you don’t have a purpose for contacting them, you aren’t going to convince anyone to listen to you.Essentially this means that your cold calling campaign must have a goal (for example, introducing your new product line for people), as well as a convincing value proposition for the customers (for example, they can gain free access to the latest medical research).Having a goal for the phone call or meeting will provide more direction for the conversation. You are able to direct the conversation towards meeting the end goal, which doesn’t always have to be an actual sale. Furthermore, it also makes it easie r to measure the success of your cold calling strategy. By having an end goal to each call, you can immediately see whether the goal was met or not.As well as having a clearly defined objective for the call, you must also make sure each contact provides the individual with a call to action. This can be anything from offering a sale to getting them sign up with your newsletter. The most important thing is to offer this call to action. If you give the individual the option to react, it is much likely going to lead to a meaningful relationship instead of you just providing information about your business.3) Employing the right personnelFinally, your cold calling strategy must be built around the right employees. As we’ve mentioned above, cold calling is one of the toughest sales tactics in the world and not everyone is able to pull it off. Even if you take care of the other two building blocks, you can’t guarantee success without having the right people making the calls.Part of the reason cold calling has such a bad name in the business world is because it has been conducted by the wrong people. Many companies tend to have the worst salespeople conducting cold calling and some companies still use the cold calling floor as a ‘punishment’ for bad sales representatives. Avoid this sort of approach in your business. Instead, you should opt to employ the best people for the position and get them to feel proud of what they do.When you are looking for people to cold call for you, make sure you hire the people with the right skills. A cold caller will need to be:A good communicatorPassionate about the jobCompassionate towards other people and their feelingsA great sales personA quick thinker and a problem solverGetting good at cold calling will take some practice and you definitely want to train your personnel, especially if they are new to the practice. Continuous analysis of how well your employees are doing is important in order to ensure they are meeting thei r targets, as well as enjoying what they do.THE KEYS TO A GOOD CALLIf you have the above three building blocks under control, you need to turn your attention to the actual call (the points also apply to a good cold meeting). It’s important to focus on the quality of the call because simple things can have a huge impact on how successful your cold calling campaign will be.Apply enthusiastic and energetic approachHave you ever received a cold call in the middle of your lunch from someone who sounded half asleep and unbothered about your response? If you have, then you probably didn’t end up having a meaningful conversation with the person, which resulted in you purchasing the product or service they were selling.The way other people talk to us can have a huge impact on how we approach the situation as well. If you sound energetic and enthusiastic about the products, is much more likely the person listening will also feel excited to hear more. By sounding defeatist and uninterested , you channel these feelings to the person you are talking with.Before you pick up the phone, try to get into that energetic and enthusiastic state. Make sure you smile while you speak and be as positive about the situation as you can. Don’t be too apologetic about the call â€" you are, after all, in the strong belief the person will benefit from what you are offering. This naturally doesn’t mean you shouldn’t be mindful, which will be discussed in detail below.Furthermore, make sure you try and get the energetic approach transferred to the individual as well. One way to do this is to ensure you aren’t the only one talking. Make sure the cold call pitch involves plenty of questions that challenge the other person to think and pay attention.Prepare yourself properlyWe’ve already discussed the importance of devising a plan of action for your cold calls. As well as having the overall reason for cold calling and the sales pitch for why the product and service matters, the call er must also focus on preparing themselves for the call.It’s important to ensure the person knows the product and service on sale inside out, not just the benefits it has for the target market. You never know what questions the individual might ask and you must be prepared to give the answers â€" or know how and where the person can find out more.It is a good idea to also have a sales pitch script at hand for the call. This doesn’t mean you must read out the statements and not step out of the script, but it can provide more structure for the call. Have the key points of the call prepared in advance to ensure you never miss mentioning them.As mentioned above, the attitude of the caller can have a huge impact on how well the call goes. Therefore, you need to ensure you call when you are at the right mind set. It might sound odd, but sales persons can influence their ability to sell with a healthy lifestyle. When your body and mind feels good, it will show in your work as well!Fina lly, be prepared for different responses. Anyone who’s cold called before knows you can be greeted with anything from real enthusiasm to outright hostility. It is crucial you are able to deal with different reactions and deal with them in a professional manner. Remember a cold first contact doesn’t necessarily mean you can’t win the customer over!Catch attention immediatelyWhen you cold call a customer, you are essentially interrupting them. The starting point of the pitch is therefore not ideal and you need to be able to turn the mood around immediately. There is a lot of pressure at the start of the call and you must be able to catch the individual’s attention in a positive manner.It’s a good idea to overcome the initial annoyance of the disruption with something better. The person might have been in the middle of watching their favourite TV show and you need to tell them something, which is more interesting to them.Don’t bother with too much personal rapport building at the start; you don’t need to be talking about the weather or their hobbies at this point. You want the person to have an instant reaction to whether you are offering something interesting with good value.Check out the tips for nailing the first 20 seconds of your cold call from this YouTube video: Offer optionsIndividuals who dislike cold calling often feel helpless. The aggressive cold calling strategy floods the individual with information and makes it hard for the individual to have a say or opt out from the situation. If you want to succeed with your cold calling, you need to offer options.First, make sure you clearly give the individual the option to stop the call after you’ve told them your reasons for contacting them and how they might benefit from your business. Don’t simply let them hang up. Offer them the option of an alternative time for the call, a different contact method (for example, e-mail) or the option of no further contact.In addition, don’t simply try to make a single type of sale. Instead of offering a product X, try tweaking the offer by offering a free sample or a try-out. You could even give options like a three-month subscription instead of six and so on. If the individual feels in charge, they are much happier to talk to you.Be mindfulFinally, it is essential you are mindful about the situation. Cold call is essentially going to interrupt the person and you can’t just pretend it isn’t a minor disruption. You shouldn’t treat it as a cold-hearted strategy for pushing a sale â€" even when you don’t end up selling, you might make a further sale later if you made a good impression.Always sound mindful about the situation and as mentioned above, offer the individual the option to have the conversation later or never, if that’s what they want. If the person you are talking with sounds truly agitated, don’t continue. You might have caught them at a horrible time and you don’t want to try your luck.Be wary of the times you call or visit companies. Not only is it good manners to carefully pick the time for the call, it also makes more business sense in most instances. Calling to another business about a sale at 16.30 on a Friday afternoon is certainly not the time most people are willing to talk business.But as mentioned earlier, don’t feel negative or ashamed your business uses cold calling as a strategy. Respect customer boundaries and personal freedom to choose, but make sure your cold calling strategy’s bottom line is to help people find the right products and services.

Sunday, May 24, 2020

Bank and Essay - 20871 Words

About 51,70,000 results (0.34 seconds) Search Results 1. 30 Best Bank Essay Topics www.selfgrowth.com †º Articles †º Success Skills †º Continuing Education No matter how good your bank essay is, if you have selected a boring ... Banking essays can be real fun to play with if you have a thorough ... Related Articles. 2. Important Essays for Bank Exams - Jagran Josh www.jagranjosh.com/articles-important-essays-for-bank-exams-1314356... Important Essays: Find Essay writing topics, Essay writing tips, Essay writing formats and other Important Essays for SBI and other Bank exams. ‎Jan Lokpal Bill - ‎Corruption In India - ‎Role of media in a democracy 3. Free banking Essays and Papers - Free Essays†¦show more content†¦3) Are the efforts taken by banks to popularise banking been successful? ... Banking related general awareness -- 6 2013 TWO. 5. ESSAY WRITING -- A FEW TOPICS ~ Bank Exams About 51,70,000 results (0.34 seconds) Search Results 1. 30 Best Bank Essay Topics www.selfgrowth.com †º Articles †º Success Skills †º Continuing Education No matter how good your bank essay is, if you have selected a boring ... Banking essays can be real fun to play with if you have a thorough ... Related Articles. 2. Important Essays for Bank Exams - Jagran Josh www.jagranjosh.com/articles-important-essays-for-bank-exams-1314356... Important Essays: Find Essay writing topics, Essay writing tips, Essay writing formats and other Important Essays for SBI and other Bank exams. ‎Jan Lokpal Bill - ‎Corruption In India - ‎Role of media in a democracy 3. Free banking Essays and Papers - Free Essays www.123helpme.com/search.asp?text=banking Free banking papers, essays, and research papers. 4. Essay topics ~ Bank Exams www.sbank.in/2011/04/essay-topics.html Apr 23, 2011 - Essay topics ... 3) Are the efforts taken by banks to popularise banking been successful? ... Banking related general awareness -- 6 2013 TWO. 5. ESSAY WRITING -- A FEW TOPICS ~ Bank Exams About 51,70,000 results (0.34 seconds) Search Results 1. 30 Best Bank Essay Topics www.selfgrowth.com †º Articles †º Success Skills †º Continuing Education No matter how good your bank essay is,Show MoreRelatedBank Essay1152 Words   |  5 Pagesbe moved in and ready to start the rest of my life. As doing so I must have a bank to put all my money in. ive chosen 2 banks that would be good for me in college and 2 that wouldnt be so good for me. There are many banks that I was interested in when I attend college and they include the 5th and 3rd bank, 4front, Chase bank and PNC. 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Read More bank failures Essay1198 Words   |  5 Pagesnet/2001/article/bank_failures.htm Bank Failures We have written before about the remarkable ability of banks to create money when making loans, and of their equally remarkable ability to multiply these newly created-from-nothing bank deposits via fractional reserve banking. What we have written is true, and easily verified. But banks fail! That fact is equally true, and easily verified as well. How can we reconcile these apparently contradictory facts? If banks can create, and multiply, money, howRead More Centrust Bank Essay1243 Words   |  5 Pages CenTrust Bank Scandal CenTrust, first called Dade Federal Savings and Loan, was founded in 1934 during the Great Depression and eventually became a stalwart of the South Florida business establishment. By the early 1980s, Miami had a corporate community that any city would envy. The companies were large and growing. They contributed mightily to local causes. 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Softbank of Japan offered broadband internet services across Japan through two subsidiaries – Yahoo! BB and Softbank BB. In February 2004, the bank announced that the security of 4.5 million customer records had been compromised: data from both subsidiaries had been illegally copied and disseminated. The leaked details included customer names, home phone numbers, addresses and email IDs, but

Wednesday, May 13, 2020

Why Teeth Turn Yellow (And Other Colors)

You know teeth can turn yellow from staining due to coffee, tea, and tobacco, but may be unaware of all of the other causes of tooth discoloration. Sometimes the color is temporary, while other times there is a chemical change in the composition of teeth that causes permanent discoloration. Take a look at the causes of yellow, black, blue, and gray teeth, as well as how to avoid or correct the problem. Reasons Why Teeth Turn Yellow Yellow or brown is the most common tooth discoloration. Any intensely-colored plant matter can stain teeth, as the pigment molecules bind to the surface layer of enamel. Chewing or smoking tobacco darkens and yellows teeth. Dark, acidic drinks like coffee, tea, and cola do a double-whammy as the acid makes teeth more porous, so they pick up the pigment more readily. Surface staining doesnt have to be yellow. Depending on the cause, it could be orange or even green. The good news about this type of stain is that it can be removed with good dental hygiene and using a whitening toothpaste.Mouthwash can stain your teeth. Products containing the antibacterial agents chlorhexidine or cetylpyridium chloride cause surface discoloration. The color is temporary and can be bleached away.Medications may also yellow teeth. Antihistamines (e.g., Benadryl), drugs for high blood pressure, and antipsychotics typically cause surface discoloration, which may be temporary. The antibiotics tetracycline and doxycycline become calcified in developing enamel. Wh ile the antibiotics wont noticeably stain adult teeth, these drugs can cause permanent discoloration and sometimes disfigurement of teeth if the drugs are administered to children under age 10. Pregnant women are advised against taking these antibiotics because they affect fetal tooth development. It isnt just the color of the tooth that is affected. The chemical composition of teeth is altered, making them more fragile. Bleaching wont solve these problems, so the usual treatment involves crowns or replacing teeth with implants (in severe cases).Yellowing is part of the natural aging process, as tooth enamel becomes thinner and the natural yellowish color of the underlying dentin layer becomes more visible. Thin tooth enamel also occurs in people who have a dry mouth (produce less saliva) or who routinely eat acidic foods.Chemotherapy and radiation can change the color of enamel, giving it a brownish cast.Sometimes a yellowish color is genetic. Inherited yellow enamel can usually be bleached to become brighter using over the counter whitening products.Poor dental hygiene can cause yellowing since plaque and tartar are yellowish. Brushing, flossing, and visiting the dentist are steps to address this issue.Ingesting fluoride from fluoridated water or supplements usually causes splotches in developing teeth more than overall yellowing. Too much fluoride can also disfigure teeth since the chemical structure of enamel is affected.Dying teeth appear more yellow than young, healthy teeth. Physical trauma, poor nutrition, sleep deprivation, and stress can all affect the health of underlying dentin and make it appear darker and more yellow. Causes of Blue, Black, and Gray Teeth Yellow isnt the only type of tooth discoloration. Other colors include blue, black, and gray. Dental amalgams made using mercury or sulfides can discolor teeth, potentially turning them gray or black.A severely damaged or dead tooth may have black spots as the internal tissue dies, similar to the way a bruise appears dark under the skin. Trauma can affect tooth color in both adults and children. Because this discoloration is internal, it cant simply be bleached away.There are two main causes of blue teeth. One is that a white tooth may appear blue if the tooth has a mercury-silver filling, which shows through the enamel. Damage to the root of a tooth may also show through as blue. The other main cause is when the root of a tooth fades away. This is more commonly seen in children losing their deciduous (baby) teeth​ when their teeth are otherwise very white. Enamel is crystalline apatite, so either dark underlying material or a lack of any material may make it appear blue-white.

Wednesday, May 6, 2020

How to write a dissertation Free Essays

How to write a dissertation? our site – DISSERTATION EXAMPLES – CUSTOM WRITING SERVICE This guide tackles what might be the most daunting aspect of your university or college career: writing your dissertation. But don’t panic: with plenty of time and careful planning you can make this daunting task much easier. Below we offer some pointers to make your dissertation go as smoothly as possible†¦ How to Plan and Write your Dissertation Many colleges and universities run workshops to help you plan your dissertation. We will write a custom essay sample on How to write a dissertation or any similar topic only for you Order Now Make sure you are aware of what’s on offer, and make full use of it. You can learn a lot from reading and talking to other people, but these specially focussed sessions are very worthwhile. You might be daunted by your dissertation, but it’s much easier to handle if you divide the process up into simple steps. The main steps involves are initial planning (including deciding upon a topic); detailed reading and planning; carrying out primary research (if applicable); writing up the draft; and finalising the dissertation. Table 1 shows typical steps in more detail†¦ It might be useful to have a time planner: table 1 shows a detailed example TaskDone?Comments Devise work schedule Decide upon a topic area Read all course documentation about dissertations or final projects Schedule session(s) with supervisor Prepare ideas for first meeting with supervisor Undertake background reading Define Title Plan approach or methodology Prepare for literature searches, including listing possible search terms Set up a recording system for searches and other activities related to the dissertation Undertake literature searches Make enquiries regarding ethics procedures, including deadlines for submissions of applications Devise research plans Discuss research plans or methodology with supervisor Devise interview schedules and/or related documentation to support field research Prepare and submit applications for ethics procedures Negotiate access to research participants if required Undertake data collection Thank you letters to participants etc. Collate data Develop plan for structure of dissertation Schedule meeting with supervisor Devise detailed writing timetable Undertake writing in stages Complete Chapter 1 Complete Chapter 2 Discuss drafts with supervisor Complete Chapter 3 Complete Chapter 4 Complete Conclusions Check timings and costs of services for printing and binding Complete all writing including references, appendices, introduction, abstract, front page Give draft to a critical reader to proof read and/or comment on the work Rest the final draft before doing a last read and edit of the dissertation or project, incorporating critical reader’s comments Print and check the document Take to printers Complete any dissemination promises to research participants Pick up from printers Submit Celebrate (any way you want!) Table 1: A planner for your dissertation (source: University of Birmingham your tutors, look at dissertations from previous years, or think about what really interests you personally. You could even be inspired by other studies: it’s a common approach to extend an existing study to wider areas, or try a new methodology. Once your topic has been given the go-ahead by your department, you need to refine the general topic and turn it into focused research questions, a working title, aims and objectives. You need to identify the main issue you will look at, work out what your thesis is (what you want to explore, prove or disprove) and set any limits to your investigations (decide what you are not interested in). Remember, it’s fine to be flexible and change your ideas as you find out more about the topic. It’s likely you will need to write a research proposal, a document of roughly 1,000 to 1,500 words in which you plan out exactly how you will write your full dissertation. Even if you don’t have to write one for your course, it’s often a useful exercise to help you focus. See our guide to research proposals for more details of how to tackle this. Your supervisor is there to help you. Make sure you get acquainted early, and don’t be afraid to ask them for meetings if they don’t ask first. They are likely to be pretty busy, so it’s always a good idea to remind them you are around! The Structure of a Dissertation Every dissertation is different, but there’s a structure which many dissertations have in common: The introduction should cover a number of areas including the background to your research topic, why the topic is important, what is currently understood about the area and what needs more research, and why your dissertation can add to the current theoretical understanding. It should also give an indication of the structure of what follows, and you might also discuss key terms here. The literature review will make up the main part of your dissertation if you are doing a study with secondary sources only. For studies including primary research, it should provide a background to this research. In either case, it will look at previous work in the field whether theoretical work or empirical studies. It’s important not just to describe existing work but also to engage with it critically. You are likely to define your research question at the end of the literature review, particularly in studies including primary data. The Methodology will deal with the research methods you use, and will explain what the methods are and justify why you use them. Here you will explain why you chose to do primary or secondary research. In general, if you are doing primary research the methodology section will be much longer as it will cover data collection, sampling, data analysis and other details. You will also need to discuss ethics here, particularly if your research involves the participation of human subjects. The results section is only relevant for primary studies. How you present the results will depend on the type of data you are collecting (presentation conventions for quantitative and qualitative data are very different). The results and discussion section are sometimes combined. The discussion and conclusion can also be combined, though this is relatively unusual. While some secondary reviews can consist only of a literature review, it is also possible to have a separate discussion section, where ideas described in the literature review are analysed, compared and contrasted. The point of the discussion, whether your study is primary or secondary, is to link findings with the research question and themes explored in your literature review. This section should take a critical and analytic perspective. The references include all the texts you cited during your dissertation. Make sure you understand what referencing system you are required to use, and stick to it. There are multiple versions of some systems, for example Harvard, so also ensure you use the version your course requires. The appendices contain information which was too long to include in the body of the text. You should put, for example, copies of the questionnaire, transcripts of interviews, complex diagrams and tables here. Seek specific guidance from your tutor(s). Bibliography BangorUniversity (2013) ‘Planning a Dissertation’, [online] (cited 15th February 2013) available from http://studyskills.bangor.ac.uk/study%20guides/dissertation_project.php.en?catid=subid=9240 London School of Economics (2013) ‘The Dissertation’, [online] (cited 15th February 2013) available from http://www2.lse.ac.uk/socialPolicy/Informationforcurrentstudents/Dissertationguidelines.aspx University of Birmingham (2013) ‘Checklist for Completing Dissertation’, [online] (cited 15th February 2013) available from http://www.google.co.uk/url?sa=trct=jq=esrc=ssource=webcd=10ved=0CGYQFjAJurl=http%3A%2F%2Fwww.socscidiss.bham.ac.uk%2FDocuments%2FDoc%25205%2520Planning%2520checklist.docei=ryweUZj6IYX64QSfiYCABQusg=AFQjCNEbNFpRf4V-pMjVn5CNd-oPEf5lVQbvm=bv.42553238,d.bGE University of Reading (2013) ‘Planning your Dissertation’, [online] (cited 15th February 2013) available from http://www.reading.ac.uk/internal/studyadvice/Studyresources/Essays/sta-planningdissertation.aspx How to cite How to write a dissertation, Essays

Monday, May 4, 2020

Professional Practice in Real Estate Samples †MyAssignmenthelp.com

Question: Discuss about the Professional Practice in Real Estate. Answer: Introduction Malaysia has expanded its real estate sector to provide houses, offices and commercial properties. Malaysian real estate sector is continue to grow after slow downturn in 2014 and 2015. The surveyors are professionally trained persons. They supervise land properties with the aim of obtaining appropriate returns. They can be investors and developers. The surveyors include physical inspection of property. A surveyor carries out market research analysis, property information service and feasibility studies. Malaysia focuses on transforming real estate. The Malaysian economy is growing sustainably even during global slowdown. A conflict of interest arises due to involvement in multiple interests. It creates risk for judgement and corrupts decision making. So, it is necessary to manage conflict of interest for surveyors. Professional Practice in Real Estate Industry in Malaysia The valuation and property services in Malaysia are governed by the Ministry of Finance. It has one quarter, fourteen state offices and thirty eight district offices. The property valuation organisation is service oriented organisation in Malaysia and it can be under government department or private enterprise. It includes consultation tasks. Such organisations provide expert opinion to clients on the matters related to real estate. The services provided by experts are property evaluation, analysing project viability, preparing market study, real-estate brokerage and property supervision (Baharum, Hwa Salleh, 2016). The real estate organisations play an important role in real estate industry development. It involves various degree of complexity and challenges in the progress of nation. The real estate organisation is an intensive organisation and contains extensive knowledge. The challenges and opportunities available in the industry becomes motivation for the surveyors to obtain knowledge from employees. The surveyors need to update and manage knowledge as clients are demanding now days (Rogers, 2017). Conflict of interest for surveyors The slow growth in loan requirements has dropped number of property transactions in Malaysia. The surveyors are required to avoid conflict of interest and identify interests and manage situations. Some conflicts are easy to identify and resolve while others require careful thought. It is the responsibility of surveyors to identify and deal with the conflicts properly (Zainuddin Nordin, 2016). The identification andmanagement of conflicts of interests in an effective manner are challenging but important ingredient of professionalism. Checking conflicts of interest The conflict of interests can be checked and dealt by robust systems at place. RICS Regulation Annual review for the year 2013- 14 recorded that the registered valuers commonly fail at audit due to the lack of robust or a system. This can be utilized for the purpose of checking conflict of interest and where such system exists, there is failure in recording the results of checks (Azmi, Nawawi, Ab Latif Ling, 2015). Most common conflicts arise when more than one client is acted for the same transaction. Individuals can easily avoid such situations however it becomes difficult for larger businesses with multiple offices. In case of identification of conflict, robust rules are required to be put in place regarding transparency, declarations and resolutions. Difference of opinions may arise regarding the question of continuation of a particular situation. The avoidance of such situations are becomes must however there are reasons when the client request for proceeding. Therefore, the existence of conflict must be declared to the relevant parties and their written assignment must be secured for proceeding further (Ochieng, Abdulai, Obeng-Odoom Malien?, 2017). Misunderstandings can result in vulnerability to action in cases where there is no written evidence. Think carefully The principle of transparency is considered as a good option. In the real estate industry of Malaysia focus is given on transparency. The openness with the parties to a transaction reduces the chances of conflict. For example, in cases where a client is introduced to an investment property at an agreed purchase fee required to be paid when the transaction is successfully completed. Here the purchase fee will only be received if the transaction proceeds and not in other cases which can result in conflict of interest (Jiram, Bujang, Zarin Latib, 2016). Mitigating factors are considered as protective of the interest of the client. In situations where the client is provided with more than one service on the same transaction, there arises some tension for the individual provider of those services if success related fee is involved in one of those services. The fee can be adjusted by allowing independent provision of the additional services by other firms. For many years, multiple provision of services has been in the market and diversion of fees to an opponent can be found by many firms as unacceptable. A good practical guidance is provided by the RICS Malaysia Commercial Real Estate Agency Standards on the effective handling of conflicts. The guidance states that both the terms of acquisitions and sales instructions should be in writing which also includes the odd purchase transaction that arises from introductions. It is to ensure that the client is made aware regarding all the possible conflicts that may arise along with the provision of opportunity for discussing them (Adnan, Daud, Alias Razali, 2017). After this, a written agreement should be prepared on the approach adopted. Sharpening Skills In 2017, the economic growth of Malaysian economy is expected to be lower. In this scenario a formal CPD training must be undertaken by all the practicing chartered surveyors along with the recording of their activities with the help of RICS website. It is easier for firms to conduct training sessions that will assist in testing the abilities of the individual surveyors regarding the handling the situations o conflict (Hamzah, Yahya, Sarip Mohd Adnan, 2016). The well- functioning of the property market for many years has led to the establishment of the market practices. The key objectives behind regulation include providing reassurance and confidence to the end customer that highest quality service is being provided which is uninfluenced by any bad practices. Every step taken by the surveyor must include the principle of openness. There is no risk and fear to the surveyor when they bring openness and agreement seeking in their actions (Jiram, Bujang, Zarin Latib, 2016). Disclosure The drop number of property transactions in Malaysia has increased cost of living and economic uncertainties. So before carrying out real estate work as a surveyor or someone connected has interest in selling and buying property must follow instructions as per act. To buyers: If a person is interested in selling property directly or indirectly than he should disclose conflict of interest to buyers in writing who has financial interest. The seller should inform buyer for the benefit he will get financially from transaction. To seller: If a person is engaged or interested in selling property directly or indirectly to buyer than the seller should follow the following instructions: The seller should work independently to sell property. The surveyor is recommended to no longer act for seller. If a surveyor is one person agency than it is recommended that seller goes to another agency. Personal connections The real estate agency act has specified rules to protect interest of buyers and sellers in the case of conflict of interest. It defines someone connected as: Any person in surveyors employment A partner under partnership agreement Any entity that has common interest Ways to avoid conflict of interest Knowledge management The real estate organisations in Malaysia involves a lot of consultation tasks and giving expert opinions on the matters related to property. Knowledgemanagement is important to protect interest of clients. Knowledge is collection of data and information which can be achieved through interpretation and context process. It can further be divided into tacit and unambiguous knowledge. The knowledge management is a framework acquired from employees of organisation to communicate surveyors. Communication is the process to share information. It can provide better knowledge to surveyors regarding trends in real estate. For the valuation practice knowledge is the key element for valuers. Having good knowledge of environment can help surveyors to gain competitive advantage (Lim, How, Liew, Chye Sarah, 2016). Knowledge management implementation model Theknowledge management is a multiple approach which covers essential elements of sector. A good knowledge management increases the competitive advantage. It enables fast decision making. The traditional approach of doing things can help in understanding need of industry (Sanni Hashim, 2016). A basic knowledge management model includes three categories known as cognitive domain layer, functional layer and resources layer. These layers represent the function of industry. Other than implementation model there are measures which can be taken to influence knowledge management performance. It determines the critical factors for the success of industry (Baffour Awuah Gyamfi-Yeboah, 2017). The investors and developers should focus on risks where markets are strong. The Malaysian Real Estate Market Outlook retrieves information from CBRE 2017. Boon: The real estate investment is one of the safest form of investment. The genuine demand leads the market. The market is expected to cool down with prices becoming negotiable. The areas with good transportation connectivity such as MRT, highways and HSR continue to be hotspots. The demand for affordable houses is likely to become intense. Bane: More experienced home buyers Challenging years can be for developers. There can be ongoing concern due to low crude oil prices and geo political issues. Conclusion From the above report it can be concluded that conflict arises among investors because of difference in interest. But this situation can be easily avoided and situation can be managed. Some interests are easy to categorise and resolve while others require careful thought. The surveyors are responsible to identify and deal with the conflicts. The identification and management of conflicts of interests in an effective manner is challenging but it can be made possible by thinking carefully and sharpening skills. Disclosure of information by industry has helped surveyors to avoid conflict. The knowledge management implementation model has also helped surveyors to overcome conflict of interest. References Adnan, Y.M., Daud, M.N., Alias, A. and Razali, M.N., (2017). Importance of soft skills for graduates in the real estate programmes in Malaysia.Journal of Surveying, Construction and Property, [Online]. Available at: https://mjs.um.edu.my/index.php/JSCP/article/download/5806/3568 [Accessed on: 7 March 2018]. Azmi, A.S.M., Nawawi, A.H., Ab Latif, S.N.F. and Ling, N.L.F.J., 2015. Knowledge Management Obstacles in Real Estate (Valuation) Organisations: Towards quality property services.Procedia-Social and Behavioral Sciences,[Online]. Available at: https://ac.els-cdn.com/S1877042815048673/1-s2.0-S1877042815048673-main.pdf?_tid=d08322e6-13c0-482f-b6c0-4676f1bebdf1acdnat=1520409606_4ebcdfe361146089957b4715024f83d7 [Accessed on: 7 March 2018]. Baffour Awuah, K.G. and Gyamfi-Yeboah, F., 2017. The role of task complexity in valuation errors analysis in a developing real estate market.Journal of Property Research, [Online]. Available at: https://www.tandfonline.com/doi/abs/10.1080/09599916.2017.1315444 [Accessed on: 7 March 2018]. Baharum, Z.A., Hwa, T.K. and Salleh, S.M., 2016. Competency Framework for the Property Management Industry.Environment-Behaviour Proceedings Journal,[Online]. Available at: https://ebpj.e-iph.co.uk/index.php/EBProceedings/article/view/114/pdf [Accessed on: 7 March 2018]. Hamzah, H., Yahya, Z., Sarip, A.G. and Mohd Adnan, Y., 2016. Impact of entrepreneurship education programme (EEP) on entrepreneurial intention of real estate graduates.Pacific Rim Property Research Journal,[Online]. Available at: https://umexpert.um.edu.my/file/publication/00008110_136064.pdf [Accessed on: 7 March 2018]. Jiram, W.A., Bujang, A.A., Zarin, H.A. and Latib, A.A., 2016. Assessing the Adequacy of Assimilation of Real Estate Graduate's Generic Competency.International Journal of Information and Education Technology,[Online]. Available at: https://www.researchgate.net/publication/276379788_Assessing_the_Adequacy_of_Assimilation_of_Real_Estate_Graduates_Generic_Competency [Accessed on: 7 March 2018]. Jiram, W.A., Bujang, A.A., Zarin, H.A. and Latib, A.A., 2016. Measuring the Sufficiency of the Infusion of Generic Skills of Real Estate Graduates by Training.International Journal of Information and Education Technology,[Online]. Available at: https://www.ijiet.org/vol6/666-K00012.pdf [Accessed on: 7 March 2018]. Lim, H.K., How, H.Y., Liew, S.Y., Chye, K.Y. and Sarah, A.P., 2016.The Investment Return of Real Estate Industry to Investors: A Study based in Malaysia, [Online]. Available at: https://eprints.utar.edu.my/2365/1/FN-2016-1301981.pdf [Accessed on: 7 March 2018]. Ochieng, D.E., Abdulai, R., Obeng-Odoom, F. and Malien?, V., 2017. Real estate, construction and economic development in emerging market economies. [Online]. Available at: https://www.researchgate.net/profile/Dr_Edward_Ochieng/publication/283715902_Real_Estate_Construction_and_Economic_Development_in_Emerging_Market_Economies/links/57f7b19308ae886b89835d59/Real-Estate-Construction-and-Economic-Development-in-Emerging-Market-Economies.pdf [Accessed on: 7 March 2018]. Rogers, D., 2017. Becoming a super-rich foreign real estate investor: Globalising real estate data, publications and events. [Online]. Available at: https://link.springer.com/chapter/10.1057/978-1-137-54834-4_5 [Accessed on: 7 March 2018]. Sanni, A.O. and Hashim, M., 2016. A review of public private partnership procurement practice in Malaysia.International Journal of Technological Learning, Innovation and Development,[Online]. Available at: https://www.inderscienceonline.com/doi/abs/10.1504/IJTLID.2016.075178 [Accessed on: 7 March 2018]. Zainuddin, Z. and Nordin, N., 2016. Addressing governance issue in Islamic real estate investment (I-REITs): a case study for OIC country Malaysia.International Journal of Islamic Business (IJIB),[Online]. Available at: https://www.ijib.uum.edu.my/data07/IJIB%2011(2016)%2060-75.pdf [Accessed on: 7 March 2018].