Banking Creative Writings Samples For Students

Talladega is a city in Talladega County, Alabama, United States. At the 2010 registration the populace was 15,676.the city is the area seat of Talladega County. Talladega is roughly 50 miles (80 km) east of Birmingham, Alabama.the city is home to the Alabama Institute for the Deaf and Blind and the Talladega Municipal Airport, an open general avionics air terminal. The Talladega Superspeedway, Talladega College and the International Motorsports Hall of Fame are placed adjacent. The First National Bank of Talladega is the most established bank in the State of Alabama, being established in 1848.

The name Talladega is ...

The use of bitcoins

Bitcoin is a form of currency that was created in 2009, and which is not issued by any central bank. The transactions that are made using this currency do not have middle men which imply that there is no use of banks. Bitcoin transactions do not have transaction fees, and a user does not need to provide real names. There is no physical bitcoin, but rather computers are used to create them. All those computers that create them form a network that serves to confirm the transactions that are made with bitcoins, without the help of MasterCard, Visa, or any local bank. ...

Civil Rights Movement and American Paradox

Introduction
In 1960s, Republican overwhelmingly supported the Civil Right Movement and believed the idea from constitution “all men are created equal” and Northern Democrats supported the cause too. The Southern Democrats were “conservative” and were against the Civil Right Movement and they wanted segregation to stay within their society. They believed blacks being treated as “separate” were enough in itself.

Some examples of American Paradox to Civil Rights Movement:

Ku Klux Klan: Ku Klux Klan used to be very violent with the Blacks and they were against Blacks being treated as “Equals”. They used to do their best to ensure Blacks didn’t manage to vote and ...

Q1: Which qualities & skills do you possess that make you suited to the role to which you have applied?

After reading the requirements for the intern position in your organization, I am confident that I have the relevant skills and vast experience applicable to the organization. My dedication in class has helped me acquire a GPA of 3.81 with As in Economics, Calculus, Statistics, and accounting in my Bachelor of Arts in Economics at the University of California, Los Angeles, which I believe are mandatory to research. I am a self-motivated team worker with proven leadership qualities that are also instrumental to learning as a group. I have attended and completed trainings on leadership in investment banking, private equity, real estate, ...

On Monday, June 7 2010 during the meeting of Stewart Town Council some important issues concerning budgets of 2010, 2011 and 2012, the improvement of public services and security of citizens were discussed. Staff reports were made. Township manager Bea Holden reported about budgeting, rezoning of the Stewart Bottom District and building permits. Township solicitor George Gettums reported about important contracts.
The town’s budge increase was one of the questions on agenda. The 7% increase in the budget to 2 675 000$ was approved in spite of the opposite thought of the minority. The councilman William Hazard ...

Like the old adage says, money does not buy happiness, nor does materialism or consumerism. Consumerism/materialism is not only a personal problem, but an environmental one. In our contemporary society, we have countless shopping malls/centers where individuals use extra time spending their cash than ever before, explaining why the number of Americans filing for bankruptcy is ever increasing. The co-authors of Affluenza: The All Consuming Epidemic discuss in detail the concept of consumerism or materialism, taking an opposing stance on the subject of consumerism. This book is split into 30 chapters, categorized into 3 sections, placing consumerism in the context ...

Introduction

In fact, money does not purchase happiness. Neither does materialism nor consumerism. New research indicates that consumerism or materialism is not only a personal problem but also an environmental problem. In our contemporary society we have countless shopping malls/centers where individuals use extra time spending their cash than ever before. This explains why the number of Americans filing for the bankruptcy is ever increasing. The co-authors in “Affluenza: The All Consuming Epidemic” have discussed into details the concept of consumerism or materialism. Generally, this is an anti-consumerist book that contains 30 chapters and it is divided into 3 sections, which ...

Focused subject

Thesis statement
The over-consumption problem in our society has contributed to the emergence of poor management of cash which has affected the society and its members negatively. For that reason, this outline focuses on the problem of over-consumption and explores its various causes that include the increasing availability of credit cards, our insatiable need for stuff, and poor competition among the consumers. It also analyses what individuals and the society in general ought to do to solve this burning issue.

Increasing availability of credit cards

One of the major causes of the problem of over-consumption is the snowballing credit cards availability. This has ...

The astonishing fact is that there has been an increasing number of individuals filing for bankruptcy in our society. Albeit of late congress made it harder to declare individual bankruptcy, I think this was not a good idea simply because we have developed an over-consumption behavior whose effects are severe. Therefore, the problem of over-consumption has led to poor management of cash among Americans hence this have resulted to negative effects.

Main causes of overconsumption problem.

The snowballing availability of the credit cards is one of the causes that section one of Affluenza: The All Consuming Epidemic lists. In addition to this, this book notes ...

Introduction

This document analyses the mission statements of three banks namely National Bank of Abu Dhabi, Abu Dhabi Islamic Bank and Al Hilal Bank. The mission statements will be compared and analyzed in an effort to understand their clarity, scope, and consistency with the respective company’s line of business. The document revolves around three main banks in Abu Dhabi. The banking industry has grown over the years since it was first established catering for a number of financial services such as monetary savings, loans, investments and financial consultations services. The key driving factor behind the growth of this industry is ...

“Egg Foo Young Chicken!” The Chinese girl at the counter handed Richard a tray of food and placed a fortune cookie next to his drink. “You have a good day, now!”
So hungry, Richard ate all of his food in five minutes. He took the plastic from the cookie and bit into it, taking out the little piece of paper that had his fortune written on it. Finishing his coke, he read the message and almost spit out all of his drink.

“Richard, your wife is having an affair.”

How could this cookie know his name? How could this cookie know he was married? How could this cookie ...

VP Marketing

Guerilla Campaign
Tel. No
e-mail

For Immediate Release:

Guerilla: "Redefining United" Campaign Starts, Home Loans for Veterans.
Veterans United can take advantage of home loans
Georgia – August 19, 2013 – Today a Home Loan Company announces startup of a new campaign targeted on veterans. The customers will have an unprecedented ability to obtain loans at a discount rate. The first ten customers will be granted with additional benefits.

About Guerilla Campaign

The Guerilla Campaign is the central launching point of the “Redefining United” initiative. An innovative approach will be used for promotion of the campaign: life-size figurines of members of the community will mimic the ...

Our company is interested in supplying your institution with high quality computers accessories and other electronics as per the discussions we had during our last meeting on 26th March 2013. After your acceptance to this offer and upon payment of the deposit, the products will be delivered in all your branches or your headquarters by virtue of priority. We offer timely delivery to our customers and this ensures that inconveniences caused by unnecessary delays are avoided. In this case the products will be delivered within forty eight hours after the receipt of the deposit. We are also flexible enough ...

MPESA Service by Vodafone and Safaricom

The Blue Ocean strategy provides a framework for thinking creatively and differently in business. According to Mauborgbe & Kim (2004), “the real opportunity is the creation of blue oceans of unchallenged market space. One company that has been creative and innovative is Kenyan telecom giant Safaricom, which was largely owned by Vodafone. Safaricom Limited devised a service known as MPESA, the most successful mobile money transfer service that enables millions of people to send or receive money through their mobile phones. Vodafone launched the service in the year 2007. According to Safaricom (2011), the number of MPESA customers is about 15 million ...

Abstract

Financial strategy formulation and implementation involve substantial planning, analysis and forecasting. In the dispensation of that duty, managers and employees alike must consider risk. Risk refers to the possibilities of occurrence of events whose results ordinarily cause losses of a financial nature. Interestingly, risk is not predictable or certain. This makes factoring risk in the financial strategy problematic. In addition, risk in itself is a broad term that could be manifested in different ways. Some manifestation of risk includes business risks, credit risks, interest rate risks, political risks, default risks and reinvestment risks. The uncertain nature of risks makes it fundamentally ...

A swap as a financial instrument refers to a notional principal contract in which one party undertakes to make payments to the other party using a specified variable rate, the notional amount. On the other hand, the other party undertakes to make regular payments, which would, be based on a different rate or index in application to the notional amount. In other words, swaps refer to derivatives in which the parties engage in the exchange of cash flows hence the term swap. The benefits inherent in a swap depend on the kind of financial instrument exchanged. The agreement of the swap includes the dates ...

This company is vulnerable to spam that increases running costs and sending or receiving of messages that may not have compelling content. The use of emails contributes to fraud where the senders hide their true identity or use passwords to access files. Email usage has been associated with viruses that affect key data or browser. Emails also expose an organization to the risk of online hackers who may cause havoc in the operating systems, steal, modify or even delete the critical data (Sherman, 2003).
Safety on email usage requires regular update of the computers. This increases software security, ...

Arguably, conflict of interest between organizations and individuals are very common given the large number of relationships and transactions that occur in various departments and professionals. As a matter of fact, there is a potential conflict of interest between investment bankers and security analyst working in the same firm. Despite the existence of conflict of interest, there are potential solutions that exist to remedy the situation. If the situation goes out of hand, the firm will have tremendous setbacks. Hence, it the conflict of interest should be addressed. In every organization, ethics play a tremendous role in the operation of the firm. ...

(Reforming the financial systems)

Introduction

The term financial crisis is mainly applicable to situations where certain financial assets suddenly lose a large part of the nominal value. Through the crisis, the financial institutions equally lose value and become incompetent in the local as well as international financial markets. Financial crisis is a major cause of economic crisis where the economy experiences a downturn in liquidity as well as unpredictable inflations. However, when the financial crisis occurs several things may be done as a solution but the reformation of the financial system is one of the actions that may be undertaken. ...

Organizations that behave ethically are more apt to earn the trust of their customers, employees, and stockholders and to have a reputation as successful, competent and responsible professionals. It is important that organizations follow strict guidelines aimed high standards of quality, reliable services, high professionalism, social responsibility and ethical behaviour it their activity – only that way they can bring benefits to their clients, staff members and shareholders. The main ethical principles that each organization must follow in its activity are decency (avoidance of illegal and unethical practices), honesty (the urge to be honest with themselves, team members, customers and ...

My name is (name) and I was charged with a crime in July of 2004. At that time I was a single parent with one child in college and another living at home. I also had my brother living with me at the time as well. It is unfortunate that it was my brother that reported me the San Diego Fraud Unit, but I was charged with living fraudulently in my mother’s home. My mother purchased this home in 1997 and transferred power of attorney to my control in an attempt to convince me to move to California. However, my ...

Historically, the fundamental differences between sexes have been used as the basis of an argument against equality. Globally, there are various measures that have been used in measuring the disparities between men and women. The most common measures as adopted by the UN are health, empowerment and the labor market as they are the social and economic perspectives affecting inequality. The existence of inequality disparity on the basis of gender has been a major factor behind the loss of human development leading to inequality between female and male achievements (Kamrany and Robinson para 5). In most global societies, men and ...

Story of the product

Wheretoget.it is a ​​young online project, which helps people to find their favorite clothing items from photographs. It works quite simple. Once registered, users upload pictures of things that want to find and buy, and readers help to identify a brand of clothing, give a link to an online store, where the thing is sold, or at least find similar things. Usually to find a necessary thing takes less than three hours and in 84% of cases the search is successful.
The site was launched in 2011, but now it is very popular. Its creators, Nicholas Metske, Gilles Babinet and Romain Moyne ...

Plethora of reasons weighs for a company’s choice of leadership strategy. Leadership and government strategy of organizations play an instrumental role in the success of the companies. While many factors such as the presence of resources, capabilities, and knowledge are internally driven, other factors, however, arise outside of the entity. One such factor is the efficiency of governance. This paper explores the relationship between governance, business ethics, and performance. The paper analyzes each of these concepts and their place in the successful management of organizations.

Let us first start with the idea of leadership. The concept of leadership is ...

Business:

Introduction
Leadership Foundation has been profitable, from the formation time in 2008, all the profits have been reinvested back to the organization. However, how to secure long-term and sustainable funding is a very important issue to be considered so as to ensure the sustainability of the organization in future. Being a social engineering organization, the organization can initiate some strategies to attract long-term sustainable funding by engaging in alternative projects to sustain the foundation. By adopting all these new strategies, the Leadership Foundation shall focus on leading the way to diversify their programs so as to serve concerned individuals, ...

Historically, the fundamental differences between sexes have been used as the basis of an argument against equality. Globally, there are various measures that have been used in measuring the disparities between men and women. The most common measures as adopted by the UN are health, empowerment and the labor market as they are the social and economic perspectives affecting inequality. The existence of inequality disparity on the basis of gender has been a major factor behind the loss of human development leading to inequality between female and male achievements (Kamrany and Robinson para 5). In most global societies, men and ...

The commencement speech given by Steve Job at Stanford has made an impact not only on the Stanford graduates, but on all people, who had a chance to listen to it. It was posted almost immediately on a variety of online channels, such as Youtube, where it attracted millions of viewers all over the world. The secret of such popularity was not onlythe content, but also the ability of the speaker to connect to the audience and to convey his message in an easy and a comprehensive way. This effect was achieved by the use of storytelling that helped Jobs to share ...

Introduction

Social entrepreneurship is business concept in which the entrepreneurs engages in the innovation or creating products in the market while eat the same considering the social responsibility as well as the welfare of the people. It mainly concerns the social responsibility of the people in the society. The foundation or the basic principles of the social business are different with the normal business goal that mainly aims at profit maximization other than social responsibility. Social entrepreneurship therefore involves the social business where the main goal is the social welfare or philanthropic rather than profit maximization. The non-profit making organizations ...

The knowledge I got from studying Corporate Finance while at school will be very instrumental to your company. This is because the different topics contained in Corporate Finance have given me insight in various aspects of finance and financial skills that will enable me to make correct managerial decisions. My study of Corporate Finance covered a wide variety of issues that affect managerial decision making.
My study of Corporate Finance taught me to evaluate the time value of money before making financial decisions. The study of the time value of money enabled me to understand that the current value ...

320 A Main St

Buffalo, 1524

Jane Hardman
Persuasive letter
AN&N
255 Adams St

Washington, 98002

Dear Mr. Jameson:
It was a great honor for me to meet you last month. As you gave me an assignment for your business cruise to the Bahamas, I am ready to share my ideas with you. I suggest you to invite to your cruise the credit union members in order to discuss financial planning workshops.
I propose to conduct 5 days cruise on a board ship to the Bahamas. The appropriate date for the cruise will be June 1-5, 2016. We will dedicate two afternoons of ...

Social Security

Dear Mr. President,
Social security program is the backbone of the American society. The current shortfalls in the fund will adversely affect many people in the coming years. Therefore, it is imperative that a long-term solution be found to solve this problem once and for all. The social security fund depends on payroll taxes paid by both workers and employers and the retirement age. Hence, the fiscal problems can only be solved by adjusting three key measures: payroll taxes, pension payouts, and retirement age.
Firstly, the government can increase the payroll tax. Currently, workers pay 6.2% of their ...

International Operations

McDonald’s global management strategies cover the many different organizational functions of operations, marketing, human resource management, finance, research, compliance and other aspects of management. Because of the size and complexity of operating in the international marketplace, these functions confound McDonalds with many different, complex and often inter-related issues. On top of these functionary requirements, the food chain gian also has to deal with external factors that complicate the situation such as a country’s culture and the legal and administrative framework that an international corporation must work with to be eligible to compete in that said market place. Thus a ...

The condition or situation in Israeli–Palestinian conflict can be defined as the ongoing conflict that exists between Palestinians and the Israelis. This conflict is wide-ranging, and the term is also used in reference to the earlier phases of the same conflict, between Zionist and Jewish and the Arab population living in Palestine under Ottoman or British rule; it forms part of the wider, and generally earlier, Arab-Israeli conflict (Shah 1).

The two countries has wide ranging conflicts on different conditions/issues such as; mutual recognition, security, borders, Jerusalem control, water rights, freedom of movement of the Palestinian Israeli settlements, ...

IDEO’s Human-Centered Design & The Fun Theory

1.0 Inspiration

Bottom line: When finished with this step, your team will have identified a behavior that could be improved to make a better world and will understand the goal/wish/challenge for which it will seek a solution.
Explore behaviors that you would like to improve. Due to the nature of the online environment, and to ensure everyone on the team has the best chance of fully participating, focus on behaviors of family, friends, co-workers, or other similar groups vs. working with the general public.
For example: Changing the behavior of library patrons or children on a playground may not ...

There is a list of things that a person must know and pursue in order to become an effective and efficient employee. First of all, one needs to learn how to prioritize their work. By being able to prioritize, the task at hand will become easier to manage and meeting all deadlines will automatically become much easier, with the important tasks accomplished before the others.
Secondly, to improve one’s performance at work and become more efficient, a positive mental attitude is required. This helps in achieving your tasks with your full potential and dedication. The mind will wander ...

Introduction

The representation of women in the popular culture remains to be stereotyped by the naïve, sentimental, and domesticated women. It is through the media, which this issue continues to be propagated. There are several individuals and places focused on research on feminism publicizing both the positive and the negative gender disparities that are encountered daily. The resilient applauses me, hard working ladies who have undertaken significant influences through history to offer women the opportunities enjoyed in the contemporary society. Though many social revolutions have occurred, women still bear among them motifs rather than of individuals, still derided instead ...

Essay 1

English 1
Dear Mr. Buffett:
Can anyone believe that in the American city of Chicago, on an ordinary morning 5,700 children endure a shocking surprise in 190 classrooms at not finding a teacher (Kozol)? What about the stark truth that there are still schools in Chicago helplessly witnessing 700 unlucky children sharing 2 bathrooms, not to mention the strict rations enforced on using toilet papers and towels? One public school in Chicago still conducts classes for the children in an abandoned roller rink with not even a single encyclopedia, leaving a rare exceptional teacher to buy teaching ...

Gastrodiplomacy and soft power are becoming a pivotal pillar in international communication. Gastro-diplomacy involves nations using food as part of their effort to promote their culture, establish their image, globalize their food industries or sector, attract tourists from foreign countries and build relations with the foreign public. In a view of promoting public relation, China introduced the Chinese food festival at the UN headquarters to promote its cuisines (Okumus, Okumus, and Mckercher, 2007). Food culture plays a significant role in cultural exchange, and it is evident from researchers that Chinese food has become more popular in the UK and ...

1. Explain the inpatient and outpatient reimbursement methodology for Medicare as a payer
Reimbursement is calculated in outpatient regarding the case date, the contract rate, the fee charged for the services received as well as the percentage of the bill incurred. In patients, however, get a difference at the rate whereby it is calculated as a percent of the incurred cost per diem.
2. Explain the inpatient and outpatient reimbursement methodology for commercial payer
For commercial payers the for outpatient, the services are reimbursed using either of the methods; percentage of the accrued charges, the fee for the service, ...

Introduction

In the late 1920s, the U.S. economy was strong. Many companies were growing and earning money. People bought shares of the companies, called stock. The stocks were traded and bought in the Stock Market.
On October 24, 1929, stock values dropped or became worthless rapidly. This started the most severe economic depression in U.S. history—the Great Depression. Today, that day is still remembered as Black Thursday.

In the late 1920s, prices in the stock market soared up, becoming very valuable. For example, in 1928, the price of a common share of the Dupont stock went from $310 to $ ...

Question 1

In the current situation, Andrea needs to realize that the level of trust will determine the ability of the company to recover from the shockwaves of downsizing that the employees have on the management. This confidence will secure not only the short-term future of the enterprise but also the long-term outcomes (Brauer & Laamanen, 2014).
Justice is an important aspect that she needs to embrace since it contributes to the building of trust. The distributive dimension to justice touches on outcomes and the perceptions of whether or not they are shared equally. Given that the surviving employees have to take ...

Question 1

Subsequent to completing my college studies at MSc, I aspire to acquire a job in an international consulting company such as Boston Consulting Group or McKinsey, where I will work for approximately 3-6 years. Considering that I will have a chance to interact with different kind of people of deferent profession. My main objective while working will be to acquire the necessary skills, knowable and experience, particularly as it relates to business consulting projects. While working, I will apply the knowledge gained in class to my work at the top management consultancy. I plan to focus more on accounting and financial ...

Creative Writing

Part 1

Sometimes she wished she had never seen the advertisement. She sat in her room, with all the windows and doors closed. She was not sure of what would happen next. She wished she could go back in time and redo the things again. Only if she had a time machine to go back two weeks!
Alice was a lovely girl in her teens. She was the heartthrob of all in her school. The boys used to try to woo her with their advances and chivalrous attitude. They would buy her a cup of coffee or drink, and seek chances ...

The interest rates for the central bank of Kenya have had different faces since 1991 with the rate changing as the economy of the country keeps on shifting from worst to best. At the moment, the exchange rates in Kenya stand at 8.5 percent as compared to that adopted by the Federal Reserve System (FED) of America which stands between 0 and 0.25 percent. From the year 1991 to 2014, the average exchange rate for Kenya is 14.62 percent. Kenya recorded a record of 84.67 percent in July 1993. At this time, the FED was enjoying the exchange rate of ...

Classic English Literature

Abstract
Charles Murray’s Are Too Many People Going to College addresses the concern of many who question the theory of whether too many students are going to college. By engaging a number of experts in the discussion, questions such as the effect on the economy if the number of students attending colleges increased substantially, who would or should pay for the students who attend college, and how do the costs of going to college outweigh the benefits of employment and so on are considered. Murray’s view that ten to fifteen percent of the nation’s youth has ...

Communication

Sometimes I sit back and wonder if we deserve the honor of being called intellects. How can we call yourself the top crime of the society yet we cannot show a slight change to the society. Look around, I bet what can you see is an element of environmental pollution. Right back in our villages, there is high expectation from the people, waiting for a savior to save them from this encroaching problem of pollution. Look at the surrounding of this precious university. Litter every where. The administration and its entire staff, you included has failed. I think we all have ...

Human trafficking has and continues to generate varied interpretations across various settings all over the globe. According to recent researches close to twenty million people are trafficked annually across different parts of the world. As such, human trafficking has evolved into a global issue as it results in abuse and coercion of vulnerable populations inclusive but not limited to women and children. Worth noting is the fact that people who fall victim of human trafficking are transported to different nations where they are coerced to engage in inhumane activities such as prostitution (Farrell 8) .
In addition, the victims of ...

15 August: SEOUL, KOREA

In the burning afternoon summer air, YuKwon ran up the back stairs inside the building, his pants sticking to his drenched legs. Sweat rivered down his forehead into his eyes and steam rose from his sweltering skin, but he ignored all physical distractions, focused only on his mission. His breath even in spite of his exertion, YuKwon removed a sniper rifle from his silver metal case, loading it as he knelt at a window, being careful to remain invisible to anyone outside. His target this time was the wealthy and arrogant Choi Minhyuk, an infamous loan shark. From his window on ...

Zhang Wei remembers the day he landed in America very clearly, it was a chilly winter day and everything including time seems to have frozen. He was anxious to see his father, Zhang Xiuxing who had traveled by sea a year earlier. He was only 16 when his father left and old enough to step into his father’s shoes. One year had flown by, and today, he would be leading his mother and his sister to the Promised Land that their father had prepared for them. He was sure that his father would be proud of how he had protected ...

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International Trade Relations
Introduction

Trade restrictions are export or import barriers created by nations, against the principles of a free trade economy, to protect their industries and consumers. Such restrictions can be posed in the form of tariffs or non-tariff protection policies. Tariffs are duties or fees levied against import or export of a particular economic good. Non-tariff protections policies include anti-dumping policies, fixing import or export quota and restrictive licensing.

The company I work with is a multi-brand retail chain that is contemplating to begin trade in India. The objective of this paper is to understand the types of trade ...

‘You have to close your eyes,’ Megan said. Smiling, Frankie closed her eyes and allowed Megan to lead her into the room.‘Okay,’ said Megan, ‘open!’

Frankie opened her eyes and stared. There, on her chest of drawers, propped against the wall, was a beautiful mirror. It was large in size – Frankie could see her and Megan’s full reflections from their thighs upwards – and it was framed in white marble, carved into the shapes of flowers and leaves, running down the side of the mirror.

‘It’s beautiful.’ Frankie ran her hand down the side of the mirror, pausing ...