Mirror for Man - People are the way that they are Raised :: Mirror for Man Essays

  Ã‚  Ã‚  Ã‚  Ã‚   Kluckhohn explained the differences and similarities among the world's peoples by taking different life examples of different cultured people and compared them to another person who was raised up in a different lifestyle. At first, he brought up several questions, asking why certain people do or don't do certain things. These questions were served as guides, which led on to the examples. They also served as attraction to the readers who are curious about different people from another culture. Then he went on to compare people from different cultures in his examples. He compared an American woman, who restricts her husband to only one mate, with a Koryak woman, who shares her husband with another woman; an American raised in China with the Americans raised here in the United States; and lastly, he compared people's reactions from eating the meat of chicken or tuna fish to that of a rattlesnake. Kluckhohn has a strong point in viewing human's culture. I agree with his definition of culture -- "the part of the environment that is the creation of human beings." People react to things differently because they were raised up in different environments with different cultures. No matter who the person is, or where he (or she) was born, his behavior and his personality traits developments would depend on the environment that he is living in. The way people think, feel, react, and behave also are depended upon life experiences. They feel different emotions because they have felt this emotional happiness or sadness before. They think what is right and what is wrong because they have learned from past experiences. They react to different things because they experienced things that please them and the things that displease them. They behave in certain ways because they want to design their way of living into what they have admired from other people's lives. I was born in Hong Kong, the school systems and the people living there are very strict in comparing with the United States. Over in Hong Kong, students go to school for seven hours and then they would go home and spend another seven or eight hours on homework. The school system really forces you to study and do your homework to stay up with the rest of the class. But yet, the students would accept the homework assignments without complaining because they are use to doing so much homework and taking the pressure.

Assignment on Online Banking

TERM PAPER ON ONLINE BANKING SERVICE IN BANGLADESH 1. DEFINITION OF ONLINE BANKING Online banking  is a service offered by banks that allows  account  holders to access their account data via the Internet. In order to take advantage of online banking, an account holder would need to meet several technological requirements, such as having a personal computer with Internet access and web browser. If those conditions are satisfied, online banking can be performed from anywhere in the world.To minimize the risk of fraud, online banking is enabled through a secure server, which grants the individual a private access to his or her  bank  account. Online banking is designed to streamline banking chores that otherwise require considerable time and effort. Thus, online banking facilitates direct access to account details, enables transfer of funds, allows for multiple bills payments, and performs an array other transactions. Online banking is available twenty four hours, seven days a week, regardless of the bank's working hours. Today, most banks offer online banking services. . HOW MANY BANKERS PROVIDE ONLINE BANKING SERVICES IN BANGLADESH Bangladesh Bank Governor Dr Atiur Rahman said 79 percent institutions under the country’s banking sector are providing online service at present. He said, â€Å"37 banks are providing all-out online service, while six are getting preparations to provide online service. Almost 79 percent institutions are under online service now. † Dr Atiur came up with the comment at the inauguration of the 4th International e-banking and Mobile Commerce Conference as the chief guest at a hotel in Dhaka Monday 10th July’2012Science and Information Communication Technology Ministry Secretary Nazrul Islam Khan, Bangladesh Telecommunication Regularity Commission Chairman General (Retd) Zia Ahmed, FBCCI President AK Azad, Chief Marketing Officer of Eco-Bharat Anand Ramanand, Dell Bangladesh’s Country Director Sonia B ashir spoke at the inaugural session. Dr Atiur said, â€Å"23 banks were given the approval of providing online services up to June, 2012. Amongst them, 14 banks have already started the service. † 3. PROSPECT OF ONLINE BANKING SERVICE IN BANGLADESH Information technology environment changes rapidly.It is estimated that the number of Internet users in Bangladesh will increase in a recent years. The number of physical branches will be decreased (the profile of physical branches will change to advice and support centers) and most of the transactions will be concluded via main e-banking channels: online Internet bank and m-banking services. Rapid growth of e-banking in Bangladesh is expected. 4. ADVANTAGE OF ONLINE BANKING SERVICE IN BANGLADESH What are the three greatest things about the Internet? E-mail, music, and online banking! Whether for the convenience or the control, online banking is an aspect of banking that nobody can resist.Our children will probably laugh when we t ell them people used to actually go to a bank to pay bills. Online banking rocks! Many of the benefits of doing your banking online are obvious: You don't have to wait in line. You don't have to plan your day around the bank's hours. You can look at your balance whenever you want, not just when you get a statement. There are some hidden benefits too. As a young bank customer, you're just learning how to manage your money and observe your spending patterns. Online banking allows you to watch your money on a daily basis if you want to.By keeping close tabs on your funds, you'll always be aware of what's happening in your bank account. For those experienced spenders, this option is far more appealing than the sudden discovery that you're broke! It's also helpful to watch how much interest you're gathering on investments and savings or what service charges you have incurred. What to expect Here are some of the features available through online banking: View balances: Checking your balan ce doesn't require much work. You simply select Account balances and take a look at your balance and past transactions.If you have more than one account, you can also do transfers between accounts. Pay bills: To pay your bills online, you just need to add to your account the names of the companies you wish to pay bills to. In the Pay Bills section, select Add payees, search for the name of the company and fill in the account number for each company. You can also sign up for the E-bills service that sends you a bill by e-mail instead of a printed one by regular mail. Transfer funds: When you select Transfer Funds, you'll be asked where to transfer the money to and from, when, and the amount.Set up recurring bill payments or transfers: If you make a regular payment every month, it might be convenient to set up an automatic withdrawal from your account. Monitor CIBC investments: If you have any CIBC investments, you can keep an eye on those stocks or mutual funds here. Send and receive an INTERAC e-TransferTM2: This could be the end of the birthday cheque! You can receive transfers from other people's accounts, or set up transfers from your account to someone else's. The recipient will get an e-mail notifying them of the transaction.View CIBC VISA* accounts: Always a good place to monitor your spending. You can make your credit card payments online, right from your account. Order cheques: We don't need them much anymore due to online banking and debit purchases, but if you still use cheques, you can order them directly from the CIBC website. Take control Online banking helps you become more of a banker, running your accounts like a small business that you control every day. Once you get started, you'll be hooked. Soon enough you'll be checking your bank account as often as your e-mail. 5. FUNCTIONS OF ONLINE BANKING SERVICE IN BANGLADESHOnline banking is the practice of making bank transactions via the Internet. It will give you an excellent opportunity to bypass the time-consuming, paper-based aspects of traditional banking in order to manage your finances more efficiently. By switching to electronic bills, statements, and payments, the average American household can save 6. 6 pounds of paper in one year! And you can catch any fraudulent transactions faster than if you received a statement by snail post. Thanks to innovative technology and the Internet in particular, we no longer have to leave the house to make payments.Online banking is available 24 hours a day, 7 days a week, so you can do it anytime, anywhere. Online banking allows us to perform various services with the click of a mouse. You can: 1. Pay a bill. Electronic bill payment service allows a depositor to send money from his or her online account to a creditor or merchant, for example to a public utility or a department store. There is no need to stand in a long line on a weekend morning to handle your transactions! The payment is virtually instant, though some financial insti tutions can wait until the next business day to send out the payment.If it is necessary, the bank can generate and mail a paper cheque or banker's draft to a creditor who is not set up to receive electronic payments. 2. Schedule payments in advance. Most banks offer customers the ability to schedule a payment on a specified date. Once the amount is entered and the payee is checked off, the funds are automatically deducted from your online bank account. It is especially useful if you always forget due dates. For example, you can schedule credit card or mortgage payments to make sure that you will not incur late fees and damage your FICO score. 3.Transfer funds. Do you want to send money quickly and securely? With online banking, you can make money transfers between your own accounts, or send money to a third party account. All you need is recipient/payee information and enough funds in your account. Quite often, the operations are performed in real time. 4. Manage all your accounts i n one place. Online banking is a great time saver because it provides an opportunity to handle several bank accounts (checking, savings, CDs, IRAs, etc. ) from one site. Most new accounts you open will be automatically added to online banking. . View images of your checks online. Do you need a copy of a paid check? With online banking, you can view and print scanned images of the front and back of all checks you have written. It is easy and convenient. 6. Apply for a loan or credit card. Having an account online, you can apply for a credit card or a loan (a car loan, a student loan, a mortgage, a home equity loan, etc. ) from the same bank. If you have a good credit score and long relationship history with your bank, your application is likely to be approved. 7. Purchase and manage CD accounts.If you have some amount of money you want to invest, you can purchase a certificate of deposit from your bank. Online banking lets you compare all available offers and their terms, for example APY or maturity periods. When you confirm the purchase, the funds will be automatically deducted from your account. 8. Order traveler's checks. You can order American Express Traveler’s Cheques online. The bank will typically charge your online account for the amount of the cheques you bought and an express delivery fee. 9. Increase your overdraft. Going into the red shouldn't leave you red-faced!You can increase your overdraft online. Log in to online banking and click on ‘Overdraft' in the menu. 10. Order a cheque book. Save yourself at least one trip to the bank by ordering cheque book online. You will need to visit your bank once when you get a confirmation message that your cheque book is ready for collection. 11. View up-to-the-minute account statements and balance. There is no need to wait for the bank statement to arrive in the snail post to check account balances. You can view all transactions and withdrawals every day just by logging in to your online account .In addition, you can immediately notice errors or unauthorized transactions in the statement. 12. View automatically updated spending report. All your purchases are sorted into familiar categories automatically – no receipts to save, no expenses to enter. It is easy to see where your money goes! 13. Track your payment history. Online banking gives you an opportunity to search your payments by transaction type, date, description or amount. When did you last pay Company X? When did you buy your computer? To whom did you make your most recent payment? Your bank knows the answers. 14.Integrate the data with personal finance programs. Online banking lets you import electronic payment data in personal finance software such as Quicken or Microsoft Money. You will be able to access your online accounts directly from your personal finance program. An Internet connection and online account log in information is required. 15. Change contact details. Have you moved to a new house? Chang ed your telephone number? You can log in to your online account and change contact information (e-mail address, telephone number, password, etc. ). It is more secure than to send this information by e-mail. 16.Utilize investment research. You can receive real-time quotes, analytics, news and stock market information to make a more educated decision. 17. Take advantage of online brokerage. Internet banking lets you invest online. You can place and confirm trades 24 hours a day, seven days a week. Most banks provide a wide range of money market instruments from various issuers. 18. Get alerts. This service allows you to receive timely e-mail messages from your bank about any critical changes related to your Internet accounts. For example, you can get alerts when you make a withdrawal or change your contact information. 9. Verify terms and conditions. Did you forget your interest rates or payment due date? You can verify all information about your account online. 20. Chat with your cus tomer assistant department. If you need help, you can send message to your bank’s customer assistant department. They will help you solve your problem. 6. SWOT ANALYSIS OF ONLINE BANKING SERVICE IN BANGLADESH SWOT Analysis: To find out the viability of a particular product we must perform a SWOT Analysis of the product. This will analyze the Strengths, Weaknesses, Opportunities ,and Threats of the particular product.For analyzing the performance of Internet Banking in Bangladesh we the following SWOT Analysis is considered. Strengths †¢ Internet Banking is new in our market. Only a few banks are now offering internet services in solving banking problems. Most of the banks are offering only accounting information online. Actual fund transfer and fund disbursement is not possible in all the banks that are offering internet services. So this product will enjoy the benefit of a first mover. †¢ It is cheap both for the banks and the customers. The bank will be able to lo wer down the overhead costs and make more profit out of it.Internet banking will require less manual workers. Again the customers will be able to save time as well as money for their transaction needs. †¢ Internet banking is convenient as the service is available all the time at just a click away. Weaknesses: †¢ Security breakdown: The system will have a problem with the identification of the individual who is initiating the transaction. In Bangladesh, the identification of an individual is not yet supported digitally. So there will be a problem in moving to the Internet era for banking purposes just now.First we will have to develop a digital database of the users of the internet banking services. †¢ The transaction can be cancelled only via internet. The internet infrastructure of our country is not that much supportive to provide all time access to the web. So there will be a problem in executing the service with its full functionality. Opportunities: †¢ Non-b ranch banking is becoming popular in our country. Many banks are now offering non-branch banking facilities. A person can withdraw or deposit money in any branch of the bank he has account with. †¢ The internet services are becoming very common to us.So a service offered through the internet will be widely accepted in the near future. Threats : †¢ People have concern about security and privacy. They like to feel their money with their hand. They actually don’t believe in virtual money transfer. †¢ In the field of IT new technology is coming every day. The one which is very popular today might get obsolete tomorrow. So to have a competitive edge over the competitors the banks must always update their services. †¢ The movement towards online banking might marginalized the customers who do not have internet access or who are not technologically sound.Despite the presence of online Internet service in Bangladesh, its scope is largely underutilized. The reasons include high service charges, lack of awareness, poor telecommunication systems, government policy, low buying power of potential clients, and lack of institutional support. 7. CHALLENGES / RISKS OF ONLINE BANKING SERVICE IN BANGLADESH Generally it is believed that banks in Bangladesh are facing different problems adopting e-banking. Inefficiency and lack of adequate knowledge of the top management of the last generation about e–banking may have to be put at the first place.The top management set the way for future development. For the change they must have understood its significance and prospect. Only so, proper strategic plan could be done, appropriate adjustment with changing national and international business and technological environment could be made, the coming challenges from the national and international. competition successfully faced, and the market share retained and gained. The lack of communication channel and technological and technical infrastructure suppo rt may be seen as the second crucial challenges of e-banking in Bangladesh.It is not enough that there are enough communication channels, but they must be efficient, competitive, competent, cost effective and supportive to the services. In the millennium of ICT every nation has to think global, so worldwide efficient networking and WAP have to be ensured. Ensuring mature technology is also very important for successful introduction of the e-banking which includes adequate software. Modern technology is available but frequently very costly, but the countries like Bangladesh have other decisive comparative advantages that could be used to compensate the cost of the modern technology.In this way, the modern technology could be made economically viable, cost-effective and competitive even in the world market. Qualified human resource is another factor that has to be considered, which means experts have to be made available in the market. In the long run such services can’t be mad e competitive with hired or imported human resources. So, respective educational institutes must be established for the supply of the experts for the management of the hard- and software of the sectors. It is expected that a part of the existing employees both from the rank and file may resist the change.To motivate and integrate them in the change, training and reorientation program must be launched. Security of the services is very important to popularize it. To protect the service from piracy and fraudulency reliable security systems must be ensured. In this regard, government, banks, and Bangladesh Bank must work together. So and so, ways and means must be found to protect fraud and money laundering but at the same time ensuring fund transferring. 8. RECOMMENDATION / SUGGESTIONS OF ONLINE BANKING SERVICE IN BANGLADESHMost of the countries have adopted E-banking and the consumers seem to like the convenience of E-banking despite some continuing hesitancy. The widespread uses of A TMs has paved the way for greater acceptance of other forms of electronic money such as smart cards and POS. Direct deposit, and to a lesser extent, electronic bill payment, are and to a lesser extent gaining popularity. In addition, as more people purchase personal computer and use the internet, home banking should become more widely accepted. But a cashless or check less financial system is still not in the state of foreseeable future.Though there are 28 banks in Bangladesh, mostly head quartered in Dhaka. Most of these banks do not offer online or electronic service such as Direct Deposit. There are some ATM machines, though not nearly as concentrated as in a developed economy. The Ministry of Science, Information and Communication Technology has given out the policy for the development in the IT sector. The ministry has concentrated on the following sections: †¢ Human Resources Development through Education and Training †¢ ICT Infrastructure development †¢ Researc h and Development in ICT †¢ Development of ICT Industry Development of E-Commerce †¢ E-Government / E-Governance establishment †¢ Establishment of Legal Issues. The Government spending in ICT is going to increase by at least 2% of ADPin coming years. The ICT companies will get preferential terms which will be able to meet up 20% of its revenue expenditure. BCC has created a centralized fund for R&D which would encourage contributing 1% of all profits from ICT-enabled services to the HRD fund. This will greatly help the development if ICT in Bangladesh. The software support for internet banking, i. e. FLEXCUBE is available in Bangladesh.Again Bangladesh Government is working on the copyright law and the preservation of intellectual property act. After the successful implementation of all these policies and strategies we are expecting that more than 50% of the banks will be offering internet banking facilities that is now 12% only. E-banking is in its nascent state in B angladesh. At present, Information Technology (IT) is a subject of widespread interest in Bangladesh. The government has declared IT as a thrust sector and set up a vision of Digital Bangladesh in 2021. But Bangladesh has a long way to go in a very short time to enjoy the fruits of information age.It will be only possible when there will be political commitment with better IT infrastructure, internal network, country domain and above all ahigh speed fiber optic link to the information superhighway. In order to ensure a successful practice of e-banking in Bangladesh, we recommend the following. * E-banking systems should be simple to use, fast and user friendly. * E-banking services should be standardized so that wherever the solution is used the customer is familiar with the procedure followed. * Government should compel the banking sectors to automate their operation and going online by a specific period. Provide adequate training and technological support to develop the manpower. * Appropriate legal framework. * Proper infrastructure development. * Government should implement the cyber laws to ensure proper security about customers information (i. e. Credit card number) . * Government should establish proper educational institution to create efficient IT professionals to support e-banking in Bangladesh. * Developing of integrated e-banking software. Government, in collaboration with the banks, should educate and inform its citizens and customers on the workability and effectiveness of E-banking.This will increase the confidence level of customers. * The clearing house operation in Bangladesh should be fully automated system. * Banks should have adequate research and technological background in this regard. * Bank can charge normal profit to enlarge the market size on the electronic banking products. * Political commitment to improve governance and institutional strength is essential for successful application of e-banking. * As e-bank users mostly use ATMs a nd POS in most cases, the banks should emphasize on providing uninterruptible service.

Home and Hone - Commonly Confused Words

Doping in Sport and the AFL Policy on Drugs - Free Essay Example

Sample details Pages: 2 Words: 468 Downloads: 10 Date added: 2017/09/16 Category Advertising Essay Did you like this example? ?Drugs in sport What is it? Drug’s in sport or doping is when an athlete takes performance enhancing drugs or any banned substance. The sports that have the most trouble with drugs are Weightlifting, cycling, badminton, boxing, track and field. These athletes take drugs so they can be the best in there sport. One of the most recent cases was American sprinter Marion Jones who won five gold medals in the 2000 Olympics at Sydney, since then she has been stripped of all her medals after admitting that she took performance enhancing drugs in 2007. She had lied in front of two judges saying that she never had taken steroids. Another case was Australian Cricket hero Shane Warne who was banned for a year after taking diuretics. Another one was former West Coast Eagle champion, brownlow medallist, and premiership player Ben cousins who was banned from playing football for taking cocaine and other banned substance. What is a drug? A drug is a substance (other than food) that when taken into the body, produces a change in it. If this change helps the body it is referred to as a medicine. If this change harms the body, it is referred to as a poison. Don’t waste time! Our writers will create an original "Doping in Sport and the AFL Policy on Drugs" essay for you Create order I think drugs in sport is terrible because these are highly paid professionals who are role models to so many kids and they are taking drugs to make them better at there chosen sport. These athletes are respected by there country and in my opinioni should never be allowed to compete in there sport again. Some reasons an athlete might use drugs are the effects of the drug, physical dependence, easily available or they might be dissatisfied with there performance or progress, the environment, pressure to win from coach, parent, media, public, financial reward, unrealistic qualifying standards or performance expectation. This is a list of some prohibited substances and doping methods: ? Stimulants ? Anabolic agent ? Non-steroidal ? Diuretic Many different sports have different policies on drugs. The AFL policy has been under a lot of scrutiny lately. The policy is as follows First positive test: Players enter treatment/education program coordinated by an AFL medical officer. The result is confidential to those involved in the treatment. Second positive test: Dealt with by and AFL medical officer with a view to further educating, counselling and treating the player. Third positive test: Player is deemed to have breeched an AFL rule and will face the tribunal if found guilty player may be suspended between 0-12 matches Fourth Positive test: Player will face tribunal and be suspended for no less than 6 weeks. I think this policy is way to easy on the players because they have so many chances. I think the player should have one chance and then be kicked out of the AFL for at least a year.

Three Steps to the Happy Life Why this Approach Does Not...

The happy life. What does this mean to me? Kristen Linker, a third year student at Redeemer University College. It begins with balance: trusting God, finding Joy, having harmonious relationships with the people in my life and doing the best I can with what I have at this stage in life. If I would have had to write this paper at the beginning of this semester, I would have had a completely different view on the happy life. However, through this course, I have learned what I think are the most important things to work towards. Lyubomirsky’s happiness activities have also given me some ideas about what I find to be imperative to living a life pleasing to God. Now, I will not be describing a three step program to achieve the happy life.†¦show more content†¦Grow us in His grace. Change happens when there is pain. And, as I have learned in this course, people who suffer pain often have a more optimistic outlook on life and tend to be happier overall when they have dealt wi th the pain in a healthy way. Trusting God is the only way to achieve this. Trusting in His purpose and plans – not my own. What does the Bible Say about Happiness? 1 Thessalonians 5:16-18 says, â€Å"Be joyful always; pray continually; give thanks in all circumstances, for this is God’s will for you in Christ Jesus† (Holy Bible). These are not suggestions that are recommended for us to lead a Godly life. These are commands. We are expected to abide by them. It doesn’t say ‘be joyful only when things go your way’ or ‘only when you are not stressed.’ Always. This is essential. The magnitude of the word always astounds me. It is not temporary. It is continuous. Personal Experience and Happiness This group of words â€Å"be joyful always† and â€Å"give thanks in all circumstances† are hard for me sometimes. I like to be stubborn and think, ‘Oh, people in Bible times did not have to deal with the stress I have to deal with.’ When, honestly, they had their own battles to face. For me, I enjoyed the happiness activities most weeks. There were many that resonated with me: expressing gratitude, avoiding overthinking and social comparison, developing strategies for coping, learning to forgive, and savouring life’s joys. Those were my top five. How Have I Seen â€Å"The Happy Life†Show MoreRelatedProfile On Camp Bow Wow1312 Words   |  6 Pagesâ€Å"Profile on Camp Bow Wow† video 1. Identify three skills that companies look for in managers and explain which might be most needed for the Camp Bow Wow leaders highlighted in the video. According to Williams, 2014, â€Å"when companies look for employees who would be good managers, they look for individuals who have technical skills, human skills, conceptual skills and the motivation to manage,† (Williams, p. 14). 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Long term goal is to yield sharp reductions in product development and manufacturing lead times. Toyota

Basic Chemistry for investigating living things Free Essays

Which test tube represents the control? The one with water. C. Why? When protein molecules are present, Beirut Reagent reacts with the protein to form a purple color. We will write a custom essay sample on Basic Chemistry for investigating living things or any similar topic only for you Order Now Tube number one is the control tube because it is distilled water and has no protein; the tube has no color. C. Which test tube contained the most test substance? Amylase D. Other than the control, which test tube contained the least test substance? Hard to say because the other ones didn’t have much of a color, so it didn’t seem like there was much protein at all. E. Did the results agree with your initial hypothesis in every case? Yes F. Why or why to? Starches and sugars are helped by protein enzymes and Amylase is an enzyme. Good source of protein, so I thought Albumen would have protein Eggs are a foods, but the Beirut reagent isn’t strong enough to pick up small amounts G. If the color change is not as you expected, what might be the reasons? Contamination H. Add another 5 drops of Beirut Reagent to each test tube and stir as before. Do your results change? I didn’t notice any change Discussion A. What is the purpose of this exercise? To use color to detect if substances have protein since Beirut reagent would react with a protein to form a purple color B. Why is it important to clean droppers and equipment between chemical uses? To avoid cross contamination C. What other types of foods or substances contain high levels of protein? Meat or fingernails D. Suggest a situation where you might use the Beirut Reagent colorimetric test. It kidney disease E. What other types of analytical procedures detect the presence of proteins? The Lowry Method Exercise 2: Testing for the Presence of Starch in Cells A. What is the test substance? Starch B. Which test tube represents the control? Water C. Why? Water has no starch and it turned amber, so if your color was amber, you ad no starch D. Which test tube contained the most test substance? Potato starch Other than the control, which test tube contained the least test substance? Albumen and amylase E. Did the results agree with your initial hypothesis in each case, why or why not? Known to have starch, and they did. I didn’t expect the proteins Yes, potatoes are to have starch sources, but they’re not in every natural food source G. If the color change is not as you expected it to be, what might be the reasons? That items I did not think had starch, actually did have it. A. What is the purpose of this exercise? Iodine reacts with carbohydrates to form a dark blue color, so you would know if the substance had carbohydrates based on the color it turned. B. What other types of foods or substances contain high levels of starch? Wheat grain C. Suggest a situation where you might use the iodine colorimetric test. Testing for thyroid issues D. What other types of analytical procedures detect the presence of starch? Detect the presence of starch by using the chemical method A. What is the test substance? Sugar C. Why? There is no sugar in water, and it turned a light blue. Any test with that color old mean that there was no sugar C. Which test tube contained the most test substance? Glucose D. Besides the control, which test tube contained the least test substance? Potato starch D. Did the results agree with your initial hypothesis in every case? Yes E. Why or why not? The test specifically looks for glucose, so other carbohydrates and starches that don’t have glucose, will not show sugar F. What are you conclusions about the results? Glucose will react with Benedicts reagent G. If the color change is not as expected, what might be the reasons? Contamination How to cite Basic Chemistry for investigating living things, Papers

Management Decision Making Financial Figures

Question: Describe about the Management Decision Making for Financial Figures. Answer: 1 (a) In the current case, Mr. Brad Shelton, who works as consultant for Software Solutions Ltd, has been given a task to find out a suitable software package for job costing. For this purpose, he has been given a duty to analyze different software packages available in the market and finalize the one. Thus, Mr. Brad is in a position where he has the highest authority in respect of finalization of the software package. This position could encounter some ethical issues. For example, Mr. Brad Shelton could be bias in taking decision as regards software package and he may give preference one over another due to some freebees being offered to him. For instance, Jennifer Jolie, who works as salesperson for Pitt Ltd, a software developer, could offer him some sort of inducement to finalize her companys software package. Further, since Mr. Brad is the only person, so it is also possible that he faces allegations for being unethical despite discharging his functions ethically and honestly. Therefore, considering the sensitivity of the matter and ethical concerns, it is advisable that Mr. Brad should not take that trip offered by Jennifer Jolie (Bredeson Goree, 2012). 1 (b) No, the management of software solutions should not allow Mr. Brad to go on the trip to analyze the software of Pitt Ltd. If the company allows Mr. Brad to go on this trip, it may give rise to many ethical issues as discussed on question 1 (a) above. Jennifer Jolie is offering the trip to Mr. Brad on behalf of her company, Pitt Ltd. For this trip, Pitt Ltd is offering to bear all expenses of the trip that Mr. Brad will incur. Further, Pitt Ltd is also offering Mr. Brad to take his family along with him on this trip, the expenses of which will also paid by Pitt Ltd. This is clearly an inducement given by Pitt Ltd to Mr. Brad so that he can finalize its software for sales to accounting firms. In this case, it is likely that Mr. Brad would be biased and despite being of lower quality, he may finalize the software package of Pitt Ltd. Therefore, considering the above situation and facts of the case, the management of Software Solutions Ltd should not allow Mr. Brad Shelton to go the trip (Bredeson Goree, 2012). 1 (c) A code of conduct is necessary to guide the employees and infuse in them a culture of ethics. Every company needs to have a proper code of conduct in place for its employees so that their activities could be guided in the right direction. Thus, Software Solutions Ltd should also have code of conduct for its employees. The properly drafted code of conduct helps to inculcate the ethical behavior in the employees and creates a positive atmosphere within the organization. It reduces inequality by providing safeguards against any kind of biasness. Further, the code of conduct reduces the vulnerability and brings in stability in the operations of the organization. It is not only advantageous for strategic decision making, but it also benefits the day to day management of the affairs (Engle, 2006). In addition to the above, companys reputation is also strengthened when the activities of the employees are guided by the code of conduct. The positive reputation of the company in market is handy from financial view point also. Further, code of conduct also provides legal backing to the company against the criminal conducts of its employees (Engle, 2006). Although, code of conduct is advantageous to the company in all respects, but in some instances, its advantages may reverse. For example, code of conduct may limit the employees ability speak up against something noticed wrong. The employees may, because of fear to lose their jobs, not speak up against something unethical done by the top management. Further, improperly drafted code of conduct may create chaos among the employees (Engle, 2006). 2 (a) The consolidated profit and loss account is prepared to by the parent company taking its subsidiary companies together. It is prepared to present the financial performance of the group as a whole. The statement of profit and loss of Greencross Limited for the financial year 2016 presents the consolidated financial performance of the Greencross group as a whole. 2 (b) S.No. Item As at 30 June 2016 $000 Classification with reason i. Cash and cash equivalents 62,583 Asset: Simply asset means cash or other resources owned by the entity which can be converted into cash. ii. Marketing cost 17,821 Expense: an item which is incurred in one period and does not benefit over two or more periods is classified as expense. iii. Occupancy costs 10,880 Expense: an item which is incurred in one period and does not benefit over two or more periods is classified as expense. iv. Cost of goods sold 324,949 Expense: an item which is incurred in one period and does not benefit over two or more periods is classified as expense. v. Provisions 10,118 (5,601+4,517) Liability: Provisions are obligations on the company to be paid out in future. vi. Inventories 92,002 Asset: Inventories are resource controlled by the company that can be converted into cash in future by selling off. vii. Property, plant and equipment 156,867 Asset: Property, plant and equipment are the resources controlled by the company that generate economic benefits over the number of periods and these can be converted into cash in future by selling off. 2 (c) Item 2016 2015 % Change Summary (what this means for Greencross Ltd) Gross margin percentage 55.73% 54.42% 1.31% Increment in gross profit margin by 1.31% indicates operational efficiency and savings in the cost of goods sold. Operating expenses 339,404.00 302,219.00 12.30% Revenue Growth 734,009.00 (Greencross, 2016) 645,016.00 13.80% Revenues grew by 13.80%, which indicates that the company is growing and demand of its products increasing (Bohm, 2008). NPAT 54,649.00 35,723.00 52.98% Substantial increase in NPAT is the result of increased sales and savings in cost of goods sold. It indicates improvement in the profitability. Finance cost 15,986.00 13,580.00 17.72% Increase in finance cost indicates that the company has raised more borrowings Non-current assets 726,404.00 682,509.00 6.43% Increase in Non-current assets appears to be due to additions in the property plant and equipment, which indicates that the company is expanding (Bohm, 2008). Number of stores and veterinary clinics at the end of the year 440= (220 stores+120 clinics) 332= (200 stores+132 clinics) 108 The increase in the number of stores and clinics indicates that the company is expanding the business operations. Cash flow from operating activities 78,636.00 14,691.00 435.27% Substantial increase in cash flow from operating activities indicates improved liquidity position of the company. 2 (d) In order to analyze the trend in the financial progress of the company, it is essential to compare the figures of current year with the previous year(s). This is the primary reason that the organizations give comparative figures in the financial statements. Further, the comparative analysis is also crucial for the investors in analyzing their investment decisions. Analyzing the current years financial figures and comparing them with the previous year gives an understanding of the direction which the companys business is running in. Taking these things into consideration, Greencross Limited has presented corresponding financial figures of the year 2015 in the financial statements of the year 2016. This information is vital for the shareholders of Greencross Limited because it provides relevant information for investment decision making to them (Bohm, 2008). References Bohm, A. (2008). Interpretation of key figures in financial analysis. GRIN Verlag. Bredeson, D. Goree, K. (2012). Ethics in the Workplace. Cengage Learning. Engle, E. 2006. Private Law Remedies for Extraterritorial Human Rights Violations. Eric Engle. Greencross. (2016). Annual report of Greencross Limited. Retrieved November 22, 2016, from https://www.greencrosslimited.com.au/Docs/2045-GXL0002-_Greencross-Annual-Report-2016.pdf