Deposit College Essays Samples For Students

A review of 'Trends in the Funding and Lending Behaviour of Australian Banks', Reserve Bank of Australia, Research Discussion Paper, RDP 2013-15, December 2013.

In their article 'Trends in the Funding and Lending Behaviour of Australian Banks', Reserve Bank of Australia, Research Discussion Paper, RDP 2013-15, December 2013; Stewart, C., Robertson, B. and A. Heath, discusses the lending and funding behavior of Australian banks. They acknowledge banks as the foremost intermediaries between the numerous agencies of the economy. In a specific term, banks allow for transactions between the stake holders in the economy of Australia by either offering loans and ...

- Section A
Joint tenancy is a method of co-ownership that gives the holder a potential right to the property. Joint tenancy does not vest in the holder until all the other joint tenants have died. This implies that this method of co-ownership does not form part of the estate of a deceased holder because of the right of survivorship. For a joint tenancy to exist, these conditions must apply:
- The “four unities” unities must be present. These are unity of possession, unity of interest, unity of title and unity of time. the unity of possession that ensure that the ...

Influence in interpersonal relationships: My landlord’s compliance seeking and persuasion strategies

Summary of Experience
In my first year of college, I did not want to reside within the campus so I decided to look for an apartment nearby. The first apartment I found was a bit of a shack, but I decided to stay there regardless while I continued my search. At the end of the semester I found a new apartment; it was closer to the campus and better in every way. The rent was about $750 and I didn’t mind as it was only a $100 increase from my other flat. However I was using my deposit ...

Background information

The advancement of information and technology has led to a significant revolution in the banking industry through the development of automated teller machines (ATM). These machines allows customers to carry out functions such as deposit of cash, withdrawal of money and securing statement of accounts. To access an ATM service, customers must have ATM cards. The respective financial institutions issue these payment cards to their customers to increase service efficiency and effectiveness (Narteh, 2013). Conventionally, customers could make long queues as they carry financial transactions from tellers. In today’s business world, ATM cards have made it possible to ...

- 2.2: Advice
- (a). What it should do about the Timms Lease;
While chase was making the purchase contract with the smiths, it was not informed of the additional two years of Timm’s lease. Chase has the mandate to sue Timm and prevent him from interfering with the property since they already owned the land, and while performing due diligence, the land had no complications and the process was clear. The reason the company performed due diligence was to avoid situations such as this. Timm being in an unwritten agreement is in no way able to ...

Introduction

Bank typology has grown more complex as more formerly niche banking services gain greater customer bases, encouraging different banks to shift focus from the traditional retail banking format to a more complex and specialized arrays of banking services. Moreover, large banks, particularly multinational companies, maintain their retail operations while serving non-retail accounts, such as businesses, investors, and purely online customers (Pritchard, 2016). Further, certain organizations offer banking-like services to its members, such as credit unions and savings and loans associations (S&Ls). Thus, to manage this typological complexity, this explorative paper covers only primary forms described in its most typical ...

1. Introduction
The protection of environment is becoming ever more important in the light of rising concerns about the global climate changes and also because of the various factors that can have a negative effect on the environment. The protection of the environment must combine the regulation, legislation and initiatives that increase the good and decrease the bad practices and consequences based on the researches and proven consequences to prevent further possible pollution and degradation of the environment. The paper will focus on the examination of the regulatory agency and environmental protection of the United States and then examined ...

Facts

Mattei, the plaintiff, was a developer of real estate who planned to build a shopping center on the land that belonged to the defendant, Hopper. After several months of negotiations, the defendant agreed to sell the land to the plaintiff. The parties reduced their agreement to the writing form commonly known as deposit receipt. Under the terms of receipt, the plaintiff had to pay $ 1,000 of the total price of $57,500. On the expiration of the 120 day period, the full purchase price had to be paid. Along with this term, the deposit receipt also stipulated for a satisfaction clause. ...

Introduction

The western civilization has been fueled by the technological inventions that have flooded commodities in the market since mid-18th century. The Technological vibrancy of the west has been influenced by laws that seek to protect the intellectual property rights of the inventors and scientists. The British Statute of Anne 1710 was the first recorded copyright law in the world; it gave exclusive ownership rights to printers of books. The law prohibited the copying of books by other printers. With the development of modern technology the scope has been extended to motion pictures, maps and sound recording. Copyright laws have ...

Recycling is the process of reusing materials for another purpose. This can be the repurposing of materials, the production of new materials from old materials, or taking the waste products from an industry and using them for another purpose. This paper will explore the practice of recycling.

History

Evidence of recycling goes back to the time of Plato (400 BC). Archeological digs reveal the reuse of materials such as pottery, ash, and broken tools. In re-industrial times, the recycling of scrap metal and even the recycling of wool was prevalent. Ash from wood and coal fires was used in brickmaking. ...

Introduction

In the United States, some bodies have been formed with the aim of preventing consumer and investor exploitation. These bodies are aimed at providing financial protection to the citizens. Some special laws such as Usury laws have also been formed to protect the citizens from exploitation. These bodies include the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of Currency, the Security Exchange Commission and the Financial Industry Regulatory Authority (FINRA) (Mckay & Seale, 2000).

The Federal Deposit Insurance Corporation (FDIC) and its purpose

The Federal Deposit Insurance Corporation (FDIC) is an independent public corporation based in the United States. It was formed in the year 1933 ...

Fed is the US central bank, and it is concerned mainly with managing the circulation of money in the economy (Banks para 1). It supplies the currency to the economy by regulating how the banking systems lend money to the public. Additionally, the Fed receives the deposits from other deposit- taking institutions since it is statutory requirement that the banks maintain a certain deposit with the Fed. This system often known as fractional-reserve system ensures that the banking system has enough cash (liquidity) to meet their financial obligations.
The Fed can raise or lower the banking system’s reserve ...

Business Law

Business Law
The contract that will be discussed for analysis in terms of business law is a rental or tenancy agreement initiated in Singapore by a friend who relocated with his family last November 2015.
The legal definition of a real estate lease is referred to as a legal and binding contract amid the landlord and the tenant and for the contract to be binding the signing parties needs to be of legal age and competent to enter into an agreement (Kimmons, 2016).
The issue that pertains to every contract law is with regards to how the contract is ...

Question 1

Ernest Rutherford
One of the contributions of Ernest Rutherford includes the discovery that the Becquerel rays consisted of two different rays (Sears, 2015). The discovery of the two rays came about after Ernest Rutherford focused his attention on actual radiations that are emitted by radioactive substances. The experiment consisted of evaluations of radiations that were emitted from successively layered sheets of aluminum placed over a uranium compound. A distinction made in the two forms of rays was their penetrating power. According to Sears (2015), to be able to distinguish between the two forms of rays, Rutherford named the easily ...

Recently, China has recorded a remarkable growth in its economy of nearly 10% per year. The bulk of this growth comes from the banking sector characterized by poor asset quality, low capitalization, and massive state intervention. For this reason, the government introduced sweeping changes to the financial sector to boost its stability. These changes included transforming the banking sector from a policy-driven, state-owned, non-performing system to a profit-driven, multi-ownership, competitive system. Although the sector has recorded marked improvements in its operation and efficiency, additional efforts is needed to deal with problems revolving around non-performing loans and shadow banking. The ...

A contract is very different from an agreement. There are certain elements that must always be met for an agreement to be considered as a contract. In many cases, if any of the elements is missing then the agreement cannot be considered to be binding in the legal sense. A contract must have the following elements:
Offer: At all times, between the two parties, there must exist a definite and very clearly outlined offer for doing something. An offer is always an expression to do something which is then supposed to be followed by unconditional acceptance from the other ...

Jim and Laura intend to buy a car, and upon visiting a dealer, they agree to give $100 deposit to hold the vehicle for a day. However, Jim and Laura later change their minds on purchasing the car upon which the dealer insists that the $100 deposit was meant to be part of the contract to purchase the car. The case raises important issues with regard to contract law. Therefore, before analyzing the facts of the case, it is essential to evaluate the various aspects that constitute a legally binding contract.
An essential element of a legally binding contract ...

What is a 'Ponzi Scheme', how it Works and How does it Collapse?

A Ponzi scheme represents a fraudulent investment trick where the promoter pays return on investment to previous investors from the money invested by new investors instead of the money earned through profit or gain. Customers are promised to receive higher investment returns, compared to market averages, with no risk at all since they will be paid from the money provided by new clients. This investment scam requires an ample flow of clientele for powering the whole fraudulent system.
A Ponzi scheme comes into existence when the promoter is able to cllect initial investment funds from a person. This scheme ...

There has been increasing awareness of the role of waste in the production of greenhouse gas emissions and its impacts on climate change. Diminishing natural resources has led to the recognition that what is discarded as waste has the potential to be reused as resources. Governmental legislation on prohibiting toxic materials and prevention and control of the volume of waste has helped in decreasing adverse environmental effects. There is a growing public awareness about waste prevention and its beneficial effects. The society has to replace the linear model of extract-produce-consume-dispose to closed Loop's approach of resource recovery and waste ...

The ending checkbook balance is 142.57. The outstanding checks include UNO Bookstore 121.38, blockbuster 6.12, parking sticker 18.50 and student fees 20.00 and the deposits in transit include 4/28 deposit of 75.00. The interest paid on the bank account was 1.15, and the service charges were 7.50.
= 142.57 + 121.38 + 6.12 + 18.50 + 20.00 + 1.15 – 75.00 – 7.50 = 227.22
The cashbook ending balances tally with the cash balances of the bank statement where 227.22 is the end balance.
The deposits and the outstanding cash deposit are listed as well as other all the credits in the check register which are not in ...

Saving v/s Investment

Although used interchangeably, the terms savings and investment differs significantly. Important to note, the term savings refers to short-period investment in highly liquid products that allow the depositor/investor to access money any time or with minimal hassle. Some of the saving based instruments available for the investors are saving account, certificate of deposits, checking accounts,et cetera. Another notable feature of saving is that the money deposited is insured by the Federal Deposit Insurance Corporation (FDIC). Therefore, a saving carries minimal risk as in any condition,i.e. even if the bank defaults, the deposit will be safeguard up to ...

Question 1:

Ernest Rutherford is sometimes referred to as the “Father of Radioactivity”. Rutherford made many contributions to research into radioactivity and the nature of an atom. Outline his contributions.
Rutherford contributed greatly towards the experimenting, studying and understanding of radioactivity, and the atom. His initial contribution was the discovery and definition of the electron. The Nobel laureate proposed the Rutherford atom model that replaced the Thompson model. This provided an excellent basis for future work into the studying of atoms, as well as, their physical and chemical properties. He was involved in research aimed at splitting the atom leading to ...

The actual reserve is the amount of funds or cash that a bank has on deposit with the main reserve bank. Most of the cases it is the sum of money that a bank has on deposit with the Federal Reserve Bank and those in the branches across an area of jurisdiction (Macesich 28). In economic terms, branches of a Federal Bank are referred to as commercial districts. Furthermore, actual cash includes up to a bank's vault cash. The actual reserve can be calculated by summing up the entire bank's reserve deposit at the Federal Bank with its vault ...

Forward Hedge

Spot rate US$ 0.74
Forward rate US$ 0.76
US $ received = 800,000*0.76 = US$ 608,000.
If Novena Ltd. takes the forward contract they will exchange the Singapore dollars at the agreed forward rate of US$ 0.76 per Singapore dollar. Under the forward hedge Novena Ltd. will receive US$ 608,000.

Money market Hedge

Step I Borrow in foreign currency
800,000/ (1.07) = SGD$ 747,663.55
In the first step Novena Ltd. Should borrow in Singapore dollars. The amount of money borrowed should be the present value of the expected receipt discounted at Singapore borrowing rate. The present value of SGD$ 800, ...

A Contract

In the words of Judge Learned Hand, a contract “is an obligation attached by the mere force of law to certain acts of the parties, usually words, which ordinarily accompany and represent a known intent” (Solan, 2007, p. 353). Because the formation of a contract carries with it certain legal obligations and rights of the respective parties, it is important to know when a valid and binding contract has been formed. In order for a valid contract to exist, certain elements must be met. There are generally four essential elements that must be satisfied for a contract to exist. ...

RE:
The sale and termination between Barbara Buyer and Sam Salesperson had ethical flaws. The scenario was dishonest of Salesperson for entering into contract and then terminating the contract. The salesperson had signed a representative agreement with Barbara the buyer. Barbara asked for a two day extension on the earnest deposit and salesperson verbally agreed acknowledged he would send the two day extension contract to her. He never did send the contract for the two day extension he agreed upon, but had sent her a termination notice because she did not pay the earnest payment. The reason he sent ...

Question 1: Suncal's primary (market) stakeholders are their shareholders, their employees, vendors and potential home buyers and below market renters. The shareholders benefit from revenues which show up as dividends, The employees benefit from the company’s ability to generate income, and its vendors in turn benefit from a continued source of sales revenue, but also, potential Suncal home buyers, and below market renters.
Secondary or non-market stakeholders include The Disney Resort Group. Although The Disney Resort Group “Disney” is not involved in direct monetary exchanges with Suncal, they, as well as residents in the city of Anaheim could ...

- Discuss how administrative agencies like the SEC or the CFTC take action in order to be effective in preventing high-risk gambles in securities, banking, and foundation of the economy.
The financial market is one of the pillars that make the United States economy a strong and stable one. To be able to contribute to the strength and stability of the economy, the financial market has to be strong and stable as well. There are various organizations that have been established to safeguard that strength and stability, two of which include the Securities and Exchange Commission (SEC) and the Commodities Futures ...

This is a bilateral agreement entered into betweenandas of today The seller referred to hereby is a business person operating a business retailing in mobile phone accessories in the state of California. The buyer hereby referred to is a student at the University of California. The contract regards the sale of a mobile phone.

With regard to this mutual covenant, the parties agree as follows:

The seller agrees to transfer to the buyer, possession of a mobile phone, Nokia Lumia 520, on hire purchase terms, at a hire purchase price of $190, upon payment of a deposit amounting to $85.

Terms of installment payment:

After payment of the aforementioned deposit, the buyer agrees to further pay equal monthly installments amounting to $17 ...

Future Value:

Future Value refers to the amount which a current deposit will grow over time when it is placed in an account paying compound interest. The application of future value is of common view in the real life. The formula for calculating Future Value is:
FV= PV(1+I/Y)n

Here;

FV= Future Value
PV= Present Value
I/Y= Rate of return per compounding period
N= total number of compounding period

Below provide is the illustration that will suitably explain the concept of future value:

FV= PV(1+I/Y)n
FV= 10000(1.08)5
FV= $14693.28
Thus, by the end of 5 years, he will receive $14693.28.

Present Value:

Present value is ...

This was an economic downturn began in 1929 and continued until about 1939. The depression was the most severe ever experienced by the developed Western world. Though the Depression started in the United States, it gave rise to drastic declines in output, acute deflation and severe unemployment in almost every country of the world.

Introduction

In the U.S, the Great Depression started in 1929. The downturn became evidently worse in late 1929 until early 1933. Actual prices and output fell precipitously. Between the trough as well as the peak of the downturn, real GDP in the United States fell 30 ...

Introduction

Situated between the North Atlantic and Arctic Ocean, Iceland is one of the Nordic countries falling into the European continent. The population of the country is 321,000 and the total area of the country is 40,000 sq. mile. Iceland is the least densely populated country in Europe. The capital city of Iceland is Reykjavik which is also the north most capital city in the world. In 2008 when a global financial meltdown started in US after the bankruptcy of Lehman Brothers, Icelandic economy was hurt badly by the crisis. This resulted in the whole banking sector of Iceland ...

Introduction. 3

Expansionary monetary policy.3
Contractionary monetary policy3
Australian monetary policy3
Objectives of Australian monetary policy.4
Australian Monetary policy framework4
The decision process in monetary policy...5

Monetary policy implementation in Australia5

Transmission of Monetary policy to Australian economy.6
Conclusion .7
Introduction
The monetary policy is a policy that is used by the monetary authority of a given country to control the money supply in the economy. This policy frequently targets a certain interest rate with an objective of promoting economic stability and growth in an economy. The official goals normally include relatively low unemployment and stable prices. This policy can either ...

Question 1

A float is a sum of money that is supposed to be transferred from the account of one party to another after a transaction but it is reflected in both accounts before the process of transferring is over. A float occurs when there is a delay in deducting the required amount of money from the paying party’s account causing a short-term double counting of the amount. It is the objective of every management to reduce these delays on collections.

There are four components of a float that affects both collections and payouts. A payment that is made using a check will require that the ...

Market discipline has evolved from the real need to address the financial concerns that brought on the last few financial crises. The international economy is tied deeply to the financial sector, and international organizations such as the International Monetary Fund and the World Bank have been tasked with providing ease of liquidity throughout the world, while also helping to protect the flow of capital across borders to facilitate trade. These financial institutions are remarkably limited to what they can do because they hold little sovereignty over the independent nation-states that compose them; only the World Bank is effective when ...

Risk exposures: The Financial Transaction Risks Table

Features of the method used to measure the interest rate identified
Before determining the best method to be used in the measurement of the interest risk, it is essential to assess the source of the risk. The most common sources of interest rate risk are security mismatching for various items in the balance sheet depending on whether the interest rate is fixed or variable. The value assets lead to interest rate risk when there are valuation problems as well as in situations where interest rates are not aligned with the liabilities and assets (Kaufman, 1984).
Various methods are applicable ...

Rental Agreement and Subject Matter

I entered into a rental agreement, in which subject matter was individual apartment comprising of a bath, 2 rooms, and a kitchen.

The Parties in Contract

The parties in the contract were a renter, who is a legal person or the owner of the residential space. I was the tenant as I have received a residential permit from the renter.

Specific Contractual Details

The contractual details comprised of the name of renter who agrees to rent out the apartment of the tenant, whose name was also mentioned
The amount of rent was mentioned in the contract, and the fine imposed in case of late payment of ...

Impact of dollarization in Ecuador, El Salvador, Panama, and Argentina

Introduction
In the middle of the 90’s, different countries faced the financial crises. Some of these crises were severe and of vital importance. These crises majorly include “Tequila crisis”, East Asian crisis, the Brazilian crisis and the Mexican crisis and these hit the whole world leaving a devastating impact on the emerging markets of the world. These crises not only had an adverse effects on the related countries by which these are associated, but they also had affected the growing economy of the other countries. The emerging economies have suffered a serious setback as a result of the ...

Introduction to Mongolian Financial Institution System

Introduction
Following seven decades of communist rule, Mongolia adopted democracy in 1990, closely followed by a shift to a market economy (Wagner). The transition has been beset with turmoil, and the Mongolian financial system has undergone crises in ‘1994, 1998 and 1999’ (ADB), primarily due to the government’s predilection of interfering in the lending policies of banks and directing credit to poorly performing enterprises. More recently, the global financial crisis of 2008 and a drop in copper prices triggered another financial crisis in Mongolia, prompting the government into entering a standby arrangement with the IMF till 2010. The ...

Answer 1: The factors that influence the Fed's balance sheet are its assets and liabilities. In assets Fed hold securities like U.S Treasury which is controlled by open market operations. Then the foreign exchange reserves issued by the foreign governments. The SDR(special drawing rights) and gold are official asset, other Federal Reserve asset and the discount loan. In liabilities, the currency in circulation, the reserves i.e. the accounts with commercial bank , government accounts and other liabilities which mainly consist of reserve repo rate. The asset that has increased Fed balance are purchase of treasury and mortgage bonds(Kearns).
...

Introduction

A light sport aircraft (LSA) is a plane that is characterized by its small size, flight simplicity, and restrictions regarding weight and performance. LSAs have become increasingly popular in recent years as a result of low cost, low fuel consumption, and decreased pilot experience requirements. This has made them aircrafts of choice for flight schools as well as private owners. The aviation requirements for regional pilots to have served for a certain minimum number of flight hours before applying for private pilot certificate has contributed to LSAs providing grounds for building flight hours for those willing to pursue a ...

(2804 words)

QUESTION ONE

Identify and describe as many distinct sub-systems of Cash Mountain as you can. For ANY TWO of your identified sub-systems, describe the following system components:
Banking is one of the most important foundations in business or personal financial development. Technology has been evolving rapidly from physical traditional banking (Cayazzo, 2006). There before, customer were availing themselves to the bank for any transactions or inquiries. Then banks began the operation of automated teller machine (ATM) making it easier for bank customers to access cash at their convenience. ATMs have evolved to a point where a customer can withdraw ...

Global Financial Crisis in the US

Introduction
It was hard for the economists, professional analysts and policymakers among other players in the financial industry to foresee the crisis in the US mortgage lending industry in 2007 that resulted in the world's worst economic recession in two years' time (Sher and Iyanatul 2010). Initially, there was a housing bubble characterized by high house prices, low-interest rates, more support for subprime mortgage and increased speculation by the buyers (Acharya and Schnabl 2010). Eventually, there were decline of house market prices, increased lending rates and increased default and foreclosures by the mortgagors (John 2009). Notably, by mid-2008 the ...

Introduction

Monetary policy is the endeavor by the federal or state government to control the amount of money circulating within an economy. These control measures are undertaken to cub the instances of inflations or to control the interest rates to sustainable levels. Monetary policies can either be expansionary or contractionary. Expansionary monetary policies are meant to expand the supply of money to the economy thereby boosting the economic activities (Afonso, 2012). Expansionary monetary policies also lead to a reduction in average interest rates. Contractionary monetary policies, on the other hand, are macro-economic tools used by the federal or the state ...

If we want to comprehend and control the ethical conduct within a business organization it is important that we understand how people behave in general. (Nelson and Trevino, 2014, p.19) Each person determines their own individual morals, values and ethics. In a business setting it is important that a set of ethical guidelines be established to regulate how the organization will conduct itself under various circumstances. Leadership is invaluable in enforcing these guidelines. According to, Ethics and Leadership, there are three things that will benefit a leader in influencing ethical behavior in an organization: 1) understanding ethics, 2) being ...

Module 3. The Money Market

1.
Debit and credit cards have some commons and differences. The main similarities between these types of plastic are security of funds and personal information; convenience in reducing the amount of cash carried; ability to pay in almost any country of the world; an option to withdraw money at ATMs; internet purchases and on-line banking services. However, there cards have more differences than commons.
Debit cards allow their owner to use money he put on the account, but no extra loan is offered additionally. Most debit cards are free of charge, unless they are prepaid ones. The only fees ...

Capital One Financial Corporation

I have chosen as my organization Capital One Financial Corporation which is a bank holding company with the following affiliated entities: Capital One Bank (USA), National Association (COBNA) and Capital One, National Association (CONA) that operate separately. It also has overseas operations particularly in the United Kingdom and Canada. According to its website, Capital One is a Fortune 500 company and its deposit base makes it one of the top 10 largest banks in America (Capital One, 2016). The company has three major sectors: credit card, commercial and consumer banking.
The banking and financial intermediaries literally prop up the ...

Executive Summary

Today, hospitality management requires skills and training because of the changing needs and demands of customers. Phulay Bay is taking effective measures in order to facilitate customers in the best possible manner, and I come to know this after my internship in Phulay Bay for a period of 6 months. The Hotel is ensuring provision of top services, and a relaxing environment where guests can feel comfort, and visit the hotel again in order to take benefits from the services offered. In this paper, hospitality management in Phulay Bay is described in detail by explaining how the hotel is ...

[Student]
[Professor]
1a) Name and describe sex-specific forms of obesity with regard to body shape. What are the differences, if any, in health risks, associated with each shape?
Answer : There are various forms of obesity that are signified by age, gender and genetic predisposition. The sex-specific forms of obesity include Android obesity and Gynoid obesity. Both are in contrast with each other with respect to human tendency of developing adipose tissue in the body. The Android obesity is signified by fat deposit in "apple-shape" including shoulder, nape of neck, chest in the upper abdomen which ...

Report Title

Introduction
“There is an eternal landscape, a geography of the soul; we search for its outlines all our lives” –Josephine Hart. The famous quote by bestseller novelist is absolutely true and this could be understood well by travelers who are adventurous. For explorers, geography is the landscape that extends up to the horizon and well even beyond it. According to Bonnett (2008), “More specifically, it is towards geography that people have turned when seeking answers to the questions, ‘How and why has the environment altered?” (p.4). Mapping is a popular activity with which people tend to associate geography more specifically ...

The nervous system can be divided into two groups: the central nervous system (CNS), which comprises of the brain the spinal cord, and the peripheral nervous system (PNS), which consists of the nerves. Nervous tissue consists of two types of cells: the nerve cells and supporting glial cells (or simply glia). Glia have different types and outnumber nerve cells. In the CNS, astrocytes provide structural support for neurons, regulate the extracellular concentrations of neurotransmitters and ions, and facilitate information transfer at synapses. Radial glia is critical in the development of the nervous system. Both astrocytes and radial glia can ...

The global village is a term that can describe the world today technology has taken over by storm. Most of the services are now available by just a click from shopping to the most basic ones like learning if services like transport were available online 99%would be travelling online. Smooth, fast and effective are the words curtailing the digital age. our archives and museums are some of the places that are left out in this digital error. The availability of internet makes it necessary to digitize nearly everything making it a requirement to do the same for museums.
The public ...

Victoria University-College of Law and Justice

Acceptance under Australian Contract Law
- Introduction
- Laws of Contracts
In a discussion paper by the Australian Government it has been rightly observed that “Australia’s system of contract law is based on English common law as developed by Australian courts. These common law rules are supplemented by equitable doctrines, Commonwealth, State and Territory statutes and international law instruments. The terms of contracts themselves also guide the parties’ expectations and performance”. It goes without saying that the laws of contracts are the most important branch of business laws.
- Elements of Contracts
The formation ...

RESPONSE: THE SEVEN HABITS

Response: The Seven Habits of Highly Effective People
The Seven Habits of Highly Effective Person is one of those books that I feel could really help me develop into a better person. I agree with Jim Collins who wrote in the foreword that the book is not guide on how to succeed in life or a career. It is not the usual self-help good. Rather, the book is about character development.
It is hard to question Covey’s underlying philosophy in the development of character. It is character that determines who we are, how we feel, and how we ...

Like any other sector; banking, trade, and commerce have evolved to embrace the use of technology in different ways. Unlike the traditional settings, where cash was the only accepted means of payments, these sectors have simplified money into different forms. However, while technology has been significant in the expansion of the scopes of markets through different payment methods, mostly electronic forms, the technological developments in the banking industry have equally added risks and created problems in transactions including fraud, cybercrime, and money laundering among other crimes. Nevertheless, the impacts of technology on the efficiency transactions have been significantly noted ...

Madrona Ridge offers apartment spaces in different price range depending on the number of bedroom and bath. The price of each apartment unit corresponds to the type of market whether for a family or individual residence. However, the price range of the apartment units in Madrona Ridge is also a result of demand. For instance, a one bedroom, one bath apartment costs from $1,125 to $1,512 (onthegreenhp.com). This price is highly attractive for most individuals living alone that makes a 1 bath and 1 bedroom apartment a highly in-demand unit for bachelors and frequently traveled working population. The increase or decrease in ...

“Too Big To Fail” is a theory that is defined as the incident wherein financial institutions become so large, connected and inter-dependent, that a failure of one of these institutions would result in economic failure. The theory thereby underscores the importance of government intervention whenever these financial institutions face difficulty. The term “Too Big to Fail” was first used in 1984 by United States Congressman Stewart McKinney. Congressman McKinney used the term to describe the intervention of the Federal Deposit Insurance Corporation, a US government financial agency, with the affairs of Continental Illinois. Continental Illinois was one of the largest banks in ...

Executive Summary

Bank of England acts as a central bank and performs the credit rationing and is also the controller of the monetary policy, so as to ensure that there is no hindrance to the economic stimulus. It cautiously exercise its credit control function. For Instance, at the time of inflation, when the demand for money is high and so is the rate of consumer spending, Bank of England increases the interest rates and also adopt other measures as Open market operations to limit the money supply. This will impact the total availability of funds in the market and will ultimately lead ...

Abstract

This paper will reflect over the New Deal. It will reflect over the New Deal about the events that led to the New Deal. Last it will reflect why this is important throughout the paper.

Main Body

America was facing the Great Depression. This was in reference to the market crash in 1929. There were also other factors that led to the Great Depression. These factors were banks were crumbling; the drought from the Mississippi River in 1930 was part of this cause, America policy relations with Europe led to this factor and people not buying products for them no longer ...

The Commercial Revolution that took place in the 12th Century marked a period in history where European countries were characterized by changes in business procedures and attitudes towards business. This period is cited as a revolution though it did not essentially involve violence like many political revolutions do, for a number of reasons. First of all, this period was marked by an increase in trade volumes in Europe. Secondly, there arose sophisticated business procedures and new attitudes towards business developments. This paper seeks to demonstrate that this period was indeed a commercial revolution centered on change in business procedures and new attitudes towards ...