Gender Identity Paper Psy 340 - 816 Words

Gender Identity Gender is defined as being male or female as defined by roles, social status, and attitude. The perception of oneself and what characterizes gender identity. Included in gender identity is hormone and behavior interaction, along with the examination of psychological, biological, and environmental influences on sexual separation. Interaction between hormones and behavior has shown to be linked to higher aggression and hostility. The aggression found relates to sexual maturation and genetic characteristics. Androgens and testosterone are major influences of aggression. Hormones affect behavior and emotions. These aggressive effects can stem from contemporaneous organizational influences. Hormones are chemicals that†¦show more content†¦Hormones are also associated with sexual characteristics and function at different levels from infancy to adulthood. Puberty triggers a specific gender and one will attract to the opposite sex (normally). According to Hetheringto n and Parke (2002), studies of brain imaging identified that in female bilateralism there were greater amounts of blood flow. The male brain reflects greater lateralization attributing to a higher success rate in spatial tasks and mathematics. Freud theorized an explanation to the existence of gender-linked behavior. His model theorized that the process of identification, gender schema, and cognitive social learning theory. Freud’s theories were a bit bizarre with the fact of boys having sexual feelings for their mothers and girls feeling inadequate due to lack of boy’s reproductive organs. Kohlberg used cognitive developmental theory that stated that at an early age, children use behavior and physical features of a person to determine gender. Environmentally, a child’s experiences impact gender identity. Depending on family values or morals, a child could be confused by their gender. When a baby is born, there is much control on colors (if boy or girl) and idea s of the parents on how they would want to raise their daughter or son. For an example, a father would treat his son in a rough or unemotional way, while a girl would be protected and nurtured. Known as traditional roles, a boy doesn’t cry or play with dolls, but he can rollShow MoreRelatedHuman Resources Management150900 Words   |  604 Pagesand federal government reports are all examples of the administrative nature of HR management. These activities must be performed efficiently and promptly. However, this role resulted in HR management in some organizations getting the reputation of paper shufflers who primarily tell managers and employees what cannot be done. If limited to the administrative role, HR staff are seen primarily as clerical and lower-level administrative contributors to the organization.14 Chapter 1 Changing NatureRead MoreMedicare Policy Analysis447966 Words   |  1792 Pages 10 ‘‘(B) be authoritative, permitting no addi- 11 tions or constraints for electronic transactions, 12 including companion guides; 13 ‘‘(C) be comprehensive, efficient and ro- 14 bust, requiring minimal augmentation by paper 15 transactions or clarification by further commu- 16 nications; ‘‘(D) enable the real-time (or near real- 18 time) determination of an individual’s financial 19 responsibility at the point of service and, to the 20 extent

Philosophical Approach Of John Stuart Mill - 1686 Words

Philosophical Approach of John Stuart Mill Has one ever speculated what the conception of liberty is? Liberty has the ability to challenge ideas of the past into new ones. Mill expressed his understanding about liberty in several ways in his essay named, On Liberty. In this paper, I will strongly explain the significance of quotation, assumptions mills argument depends upon, limitations in the right of free speech and agreement with Mill’s points of view. Without further ado; let me activate the critical analysis of Mill’s approach regarding liberty. To commence, Mill’s attempt was to lay out an ideology that different opinions are drastically desirable and necessary in the community. If we consider the passage by Mill that expresses,†¦show more content†¦Furthermore, this quotation draws the outlines that the norm of community is strongly based on beliefs and that one’s belief to self is of significant regardless if true or false. Likewise, today people like to have all the newest popular versions of technology gadgets to fit in within the society norms. So, the passage expressed that to fit in with opinions, one follows those that are more popularly known to the views of the community. However, the quotation allows for the idea that interest of people counts, but not greater than everyone else bringing forth the idea of equality. Mill proclaimed, â€Å"they have no authority to decide the question for all mankind, and exclude very other person form the means of judging† (Mill, 14). Thus, everyone o pinions regardless of their background diversity should be permitted to have a voice and taken into account. This is because opinion gives a change for errors to be amended and to reanalyze ideology that some may consider true. Overall, opinions of minority should be secured because it brings forth liberty and liberty increases when opinions of all are expressed. Also, as time progressed new ideas approach which may disprove something that was true in the past. As expressed in the essay, On Liberty, there is the conception liberty override the idea of conformity. Conformity of the notion to alter and fit in with rest of the community. Mill showed that tyranny of majority shouldShow MoreRelatedUtilitarian Perspective On Feminism1563 Words   |  7 PagesA Utilitarian Perspective on Women’s Rights John Stuart Mill’s discussion of the subjection of women leaves many scholars regarding him as one of the first feminist philosophers of his time. His work analyzes and questions the everyday perspectives on women’s rights, and challenges common societal notions. Many philosophers today look to his work for a variety of reasons; some applaud his work for being ahead of it’s time. Others dismiss it, claiming that it’s flawed due to personal attachment.Read MoreThe Contributions Of John Stuart Mill1250 Words   |  5 PagesJohn Stuart Mill was a British philosopher who was born on May 20, 1806 in London, England, to Harriet Burrow and James Mill, a noted economist, philosopher and historian. James Mill was an educated man who was heavily involved in an early 19th century movement called philosophic radicalism, a school of thought also known as Utilitarianism, which highlighted the demand for a scientific foundation for philosophy, as well as a humanist a pproach to economics politics. It was this foundation fromRead MoreThe Philosophical Conflict between Freedom and Authority1286 Words   |  5 Pagesï » ¿FREEDOM VERSUS AUTHORITY Introduction One of the most fundamental philosophical conundrums in the relationship between individual human beings and society is the inherent conceptual conflict between the autonomy of the individual and the authority of the state. Absolute freedom of the individual precludes any exercise of state authority; but some degree of state authority is necessary to ensure and protect the autonomous rights of individuals from being infringed upon by the exercise of theRead MoreJohn Stuart Mill s On Liberty And Utilitarianism Essay2257 Words   |  10 Pagesbased on the writings of philosopher John Stuart Mill, titled On Liberty and Utilitarianism. We will discuss how his philosophical views on equality as fundamental to what it means to be human. We will interpret John Stuart Mill’s theorist view on equality as fundamental to the good or bad functioning of the state? The question and debate we would also raise will be, is equality be integral the arrangements of power? Lastly, we would argue the theorist’s approach to liberty fundamentally influencedRead MoreAristotle Vs. Mill : The Debate On Happiness1750 Words   |  7 PagesAristotle v. Mill: The Debate On Happiness Is there really one definition for what it means to be truly happy? A simple joy such as a piece of candy may bring happiness to one; whereas something much larger might be the determining factor for another’s happiness. The definition of happiness is one of the most debated questions among many different philosophers and people through out the ages. Aristotle and John Stuart Mill are two philosophers who had similar ideas regarding the definition of happinessRead MoreAn Analysis Of Mill s Utilitarianism And The Impossibility Of The Purely Selfless910 Words   |  4 PagesPurely Selfless† Act in Kant’s Categorical Imperative John Stuart Mill’s utilitarian philosophy defines the importance of maintaining the greater good of society through collective and individual actions. This type of consensus defines the social contract between the larger social order and the flexibility of these institutions to allow individual actors to amalgamate their opinions and viewpoints as part of healthy interaction in society. Mill defines the greater good of society as the primary goalRead MoreUtilitarianism, By John Stuart Mill1372 Words   |  6 Pageslong standing and well supported philosophical argument that when boiled down to its most basic elements, can be described as creating â€Å"the greatest good for the greatest number† (122). Such was the sentiment of John Stuart Mill, one of act utilitarianism’s (also known as just utilitarianism) greatest pioneers, and promoters. Mills believed that his theory of always acting in a way that achieved the greatest net happiness was both superior to othe r philosophical theories and also more beneficialRead MoreTyranny And The Social Wellbeing Of Citizens1750 Words   |  7 Pages During the 19th century, in the age after the French Revolution, the vast majority of political and philosophical thinkers concerned themselves at some point with the issue of tyranny in society. Such writers spanned from Alexis de Tocqueville, to John Stuart Mill, to Karl Marx and Friedrich Engels. The interpretations and approaches taken to the subject of tyranny and how to protect against it, though, were as varied as the collection of authors who addressed it. From de Tocqueville’s stringentRead MoreThe Age Of Reason Or Known As The Enlightenment1189 Words   |  5 Pageshumanity (69 Apush ).† Enlightenment thinkers adopted the ideas of John Locke, who, emphasized on natural rights. However, in the early nineteenth century Romantic Movement began in art and literature. This movement focused on intuition and individualism. Romantics of th is era did not believe in organized institution, such as, church. governmental bodies, and more importantly they rejected the idea science methods and rational approach to understanding life. Instead, â€Å" Romanticism emphasized the individualRead MoreUtilitarianism : A Philosophical Concept That Was Taught By John Stuart Mill931 Words   |  4 PagesJoseph Morrone Dr. Kaspar Ethics 13 March 2016 Utilitarianism is a philosophical concept that was taught by John Stuart Mill in which he explains that every person always act and make decisions that maximize their utility. Mill gave a clear explanation that utilitarian often aim at maximizing utility because it is morally right. All actions that individuals perform in their own initiatives are to make their lives better in the long run. This essay is aimed at explaining the way in which utilitarianism

Sugar Water in the Gas Tank Urban Legend

Internet urban legend warns of a criminal ploy to disable womens vehicles by pouring sugar water in their gas tanks. Does this trick really work? Description: Urban legendCirculating since: Oct. 2005 (this version)Status: Dubious (see details below) Example Email contributed Oct. 14, 2005: Subject: Warning....be alert!Thought this might be worth passing on.Subject: FW: Warning....be alert! Target in Olathe.I just wanted to let you all know of something that happened to me today in the Target parking lot. be aware of this and let everyone you know aware so this does not happen to anyone else. I was at Target today to return something which only took a couple of minutes. when I pulled into the parking lot a man in a car pulled in a couple spaces down from me. he started to go into the store about the same time as I did, then turned back around and went back to his car. I went into Target returned my items and walked back out to get into my car. when I walked out, he was walking away from my car carrying a small gas can. I noticed there was fluid on the side of my car and a puddle beside it. I got into my car not sure of what happened, wrote down his license plate # and left. He followed me out of the parking lot and onto 169. I was only able to drive about a half a mile and my car started acting funny. It died on me as I was driving and I was able to pull into an area business along the highway. I just sat in my car and called the police. The man drove by three times as I waited. The police who came took a report and said that he had poured sugar water into my gas tank which is what made my car stall. It was a great way to get a woman by herself to be stranded on the streets. Luckily for me I was able to stop where there were people around. The police know where the car came from and are working on this now. Not sure what will happen but my car is now in the shop not running, but it could have been much worse for me. Just be aware that this is happening and always be aware of your surroundings. It certainly scared me and I am grateful that nothing else happened. Analysis While its not 100 percent beyond the realm of possibility, the incident described above seems unlikely to have happened given the haphazard nature of the ploy involved. Putting sugar or water in the gas tank of a vehicle can indeed cause the engine to stall—sugar, because the granules wont dissolve in gasoline and may clog the fuel filter; water, because it interrupts combustion—but neither method will produce a predictably-timed engine failure. Depending on the quantity of the foreign substance introduced, it might take minutes, hours, or even days for the stall to occur, if it occurs at all. The same would hold true if the foreign substance was a sugar-water mixture. Dissolved in water, the sugars effect would be negligible, so its essentially no different than pouring plain H2O in the gas tank. The point is, the evildoer who plans to use this method to waylay his victim in a conveniently secluded spot is leaving an awful lot to chance, and, more likely than not, will fail. Which makes it unlikely that such a ploy is often used. From Kansas to Texas to North Carolina It may seem strange, then, to find email reports of incidents matching this exact description happening in Target store parking lots everywhere from Kansas to Texas to North Carolina. But its not so strange when you consider that this forwarded message has been circulating non-stop since 2005, accruing helpful bits of misinformation along the way. In this respect, the text fulfills the classic definition of what folklorists call a migratory legend, with individuals revising specific details to localize the tale before passing it along. At the same time, the story has inspired skeptical news coverage in some cities based on disavowals by local police. â€Å"It’s not happening in Hickory, police captain Clyde Deal told the Hickory, NC Daily Record after the email surfaced there in March 2007. â€Å"As far as we can tell, it’s not happening anywhere in western North Carolina.† Assistant police chief Mike Samp of Mishawaka, Indiana, gave a similar response to the South Bend Tribune: We researched it and could find no police report, which quite naturally, made us suspicious. Police in Wheeling, Ohio simply dismissed it as a hoax. Another Close Call Sifting through email archives, we discovered a variant of this story dating from November 2002 in which a perpetrator who disables a womans car with sugar water is captured by police and found to have an array of kidnapping implements hidden in his van. This alternate version bears a general similarity to the one weve already seen, but is also reminiscent of The Knife in the Briefcase, an urban legend circulating online since the late 90s in which a woman survives a close call in a shopping mall parking lot with a good Samaritan who turns out to be packing a knife, duct tape, and chloroform. Email contributed Nov. 11, 2002: Fw: THIS ALERT COULD SAVE YOUR LIFE!!!!!!!!!!I wanted to share a TRUE story with all of you. I heard about this last week and found out, that it is indeed TRUE. This happened to Cathy Conaways sister, who lives in North Guyton. She went to the Wal-Mart in Pooler about 11:00 one night about 1-2 weeks ago. (Im sure this is familiar for a lot of us) When she parked her car, there was a van parked right next to her. She heard noise coming from inside but didnt see anyone in it. (didnt think much about it then)About 1 a.m. she was leaving and noticed that the van was now parked in front of her vehicle. Getting a little nervous ( that gut feeling) she went back inside and asked if a security guard could walk her out. As they were loading her car, the van pulled out and left. As she got on the road, she noticed the same van behind her. She went a little ways (between Pooler and Faulkville) and her car began to spit and sputter. By this time she was really scared and called 911 from her cell phone. As she pulled over, the police was right there, and the van went on by.While talking to the police the van had turned around and went back by. She pointed it out and the police went after it. The man inside was arrested and taken to jail, but was released on a $700 bond. In his van they found: HER gas cap, a gun, hunting knife, duct tape, rope, a gallon jug of sugar water, and two pairs of womens underwear!!!!!!!!!! After getting her vehicle checked out for the problem, it was determined that sugar and water had been poured into her gas tank.They have found the man and he is back in jail. He is from Walterboro, S.C. I thought I would share this with you since Christmas shopping nights are just ahead. PLEASE be aware of your surroundings where ever you go. As for me, Im getting a LOCKING gas cap. They sell them (where else but) Wal-Mart. Anyway, the bottom line is: BE CAREFUL!!!!!!!!!!!!!!!!Remember the lady that went missing from Rincon several months ago? They found her car , I think in the Freds parking lot, but still have not found her. Makes you wonder, doesnt it Cautionary tales are meant to instruct, and in a vague sense these examples may be edifying even though theyre false, in that they remind potential crime victims to take note of their surroundings and be wary of the advances of strangers when alone. But they also mislead, diverting attention to fictional scenarios and creating a climate of fear. Remember the fable of the boy who cried wolf? People will only be deceived so many times before they just stop listening, and that defeats the purpose. Sources I Put Sugar in My Husbands Gas Tank... Car TalkDont Panic, Widespread Email Warning Women Just a Prank. Hickory Record (North Carolina).Another Urban Legend Gets Debunked. South Bend Tribune, 10 March 2007.Hoax Email Aimed at Women. WTOV-TV News, 28 February 2007.What If I Put Sugar in Someones Gas Tank? How Stuff Works.

An Exotic Forest By Henri Rousseau - 945 Words

Woman Walking in an Exotic Forest (1905), created by French artist, Henri Rousseau, is a painting that depicts a woman positioned in the center foreground of the piece, fashioned in lightly coloured attire of the early 20th century. A vibrant forest surrounds the woman to make up the middle and background of the painting, and consists of tall blue flowers, grasses, and trees that carry large orange fruit. Through this specific content, and the stylistic elements of the piece, the painting comes to illustrate the challenges and turmoil of the transition to Modernity – the quality or condition of being modern (OED,1). This thematic component reveals itself through the tension between the periods of Modernity and Classicism, as seen through the central image of the woman, the painting’s scale, and colour palette, along with, the inclusion of Primitive elements in the style, and subject used. As such, this methodology, in the form, and technique of the piece, communicates a larger complexity. Where Modernity refers to the state of being modern, Classicism contrasts this notion as a movement that attempts to harken back to aesthetics, and themes of the â€Å"classic† eras, so as to root itself in the past (OED, 3). This piece represents classical elements through the inclusion of the woman. For instance, the woman poses in a structured manner with a hand on the hip much like the classic positions reflected in ancient Greek, and Roman statues, to suggest a regiment of tradition.Show MoreRelatedA Sample Letter Regarding a Companys Art Budget2307 Words   |  9 Pagesoddball but charming choice for the business might be Henri Rousseaus Woman Walking in an Exotic Forest from 1905. This painting is owned by Philadelphias Barnes Foundation, which was legally prohibited from making reproductions of it for a very long time that status has now changed, so a reproduction of this quirky painting would be a novelty in corporate art. But this is a great exa mple of what Post-Impressionism at its most wild can do. Rousseau is historically interesting because he was a self-taughtRead MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 Pagesand who are responsible for attaining goals in these organizations are managers (sometimes called administrators, especially in not-for-profit organizations). Management Functions In the early part of the twentieth century, French industrialist Henri Fayol wrote that all managers perform five management functions: planning, organizing, commanding, coordinating, and controlling.5 Today, we have condensed these to four: planning, organizing, leading, and controlling. Because organizations exist to

Essay on Abortion Needs to be Limited and Regulated

Pregnancy can be either wonderful, or terrifying. Complications result in miscarriages and deaths every day, and the weight of that knowledge can drown any expectant mothers joy in anxiety. Fear for the life that the child will lead, or even fear of how the child was conceived can send many to the abortion clinic or the nearest hospital that provides this procedure. However, many women who choose to end their child’s life may not realize the pain they are putting themselves through, and the alternatives they can take instead of this life-altering decision to throw away the person growing inside them. Something needs to be done, and in order for more children to live as they were meant to, abortions need to be limited and regulated in order†¦show more content†¦In some cases, where friends and family feel so strongly against abortion, the women feel abandoned and alone. â€Å"The shame issue will keep us silent and suffering in silence,† says a woman who was sha med for what she did. If handled differently at conception, women can truly live their lives after pregnancy instead of taking such a difficult route, and aborting what could be the best thing to happen to them. Abortion, like many other life decisions, can affect a person emotionally and mentally, leaving them lost in the world they have once felt comfortable with, but there are also the physical effects to consider. Medical procedures always carry risks with them. No matter how small the dose or common the operation, there is always something that can go wrong. Women may look at abortion as a complication–free procedure they can receive, and then walk away later, unburdened by harm. However, having an abortion can lead to many complications that can leave scars and cause further distress for the woman. Scientists are still figuring out why, but there is a visible connection between abortions and cancers of the cervix, ovaries, and rectum. More than one study has even discovered a connection between breast cancer and abortion. Carrying a pregnancy full term greatly reduces the chances of developing breast cancer because, â€Å"under the influence of the pheromones hCG and hPL, made by a baby inShow MoreRelated Abortion: I Am Pro-Choice Essay1347 Words   |  6 Pagesof the people govern through democratic election and second, that the power of the majority is limited to ensure individual rights. As defined by the American Heritage Online Dictionary a mother is a woman who conceives, gives birth to, or raises and nurtures a child. This paper will discuss the right of privacy of the mother versus the governments’ right to protect the unborn fetus in regard to Abortion. Every woman has the right to make any decision that involves her body. Our government hasRead MoreEssay on The Democrats and The Republicans: On The Issues1684 Words   |  7 Pagesdivided into political parties such as Republicans, on the right, and Democrats, on the left side. These two political parties show philosophical differences through their viewpoints on major topics such as the economy, separation of church and state, abortion, and gun control. Concerning the debate on our economy, republicans generally believe strongly in the power of a free market system, reduced income tax rate, more spending from the people, and less spending from the government. The RepublicanRead MoreAbortion : Women s Private Issues892 Words   |  4 PagesI. Introduction. When it comes to contraception and the right to an abortion, one would think these are women’s private issues because pregnancy takes place in a woman’s body. It is an intensive process of holding another living creature in her system for nine months, which would mean that the woman would have to stop her other duties in order to take care of herself and this being. Her schooling, her job, and anything else in her life. As such, it is her choice whether she wants to, or even hasRead MoreCivil Rights and Civil Liberties Essay1301 Words   |  6 Pages Civil Liberties 2 Sub Category: Controversy over Abortion In this assignment I will examine civil liberties, main focus on the abortion Controversy. In today’s societies, civil rights and civil liberties are not as common and some are even at risk. Abortion rights are a very special, touchy subject and I believe there will be never a solution who will satisfy both sites, the supporters and Read MorePro Choice And Pro Life1361 Words   |  6 PagesAbortion has been one of the biggest controversies of all time. Many people believe that women should get to decide what she would do with her body. The definition of abortion is; â€Å"The termination of pregnancy by the removal or expulsion from the uterus of a fetus or embryo prior to being capable of normal growth†. Abortion is one of the most controversial topics today. Although there are two sides of the debate pro-choice and pro life, arguments are mainly centered around the Roe v. Wade decisionRead MoreEssay On Abortion Permissible1746 Words   |  7 PagesI will argue that abortion is permissible in all stages of the pregnancy before birth. Abortion should be permissible based on moral, health and women rights reasons. Abortion is an operation or procedure to terminate pregnancy before the fetus is viable. Pro-Choice argues that the choice to whether to have or not have an abortion is a woman’s right to choose, while Pro-Life argues that women should have the choice to her body, while Pro-Life argues abortion is impermissible. Morally, there canRead MoreThe Politics Of The American Political System Essay1647 Words   |  7 Pagesvalues and policies in their platform that attracts the maximum amount of moderate voters, without drifting too far away from traditional Republican values to ensure the retention of the constituency. This can be achieved by adopting new policies on abortion, alternative energy, unauthorized immigrants, and In order to properly analyze the data collected by a typology, one must first understand how each of the different groupings is composed. Unlike the traditional linear index, a typology analyzesRead MoreA Brief Note On Abortion And Premeditated Murder Essay2048 Words   |  9 Pages where most cases can be treated without the need to undergo surgeries, and when that need arises, doctors can perform major surgeries with relative ease and safety, given the above mentioned advancements. However, such advancements have led doctors to understand the process of pregnancy, down to its minute details, which in turn has allowed physicians to administer drugs that can affect the pregnancy and terminate it. This procedure known as abortion, has been heavily criticized around the worldRead MoreThe Debate Of Stem Cell Research1519 Words   |  7 PagesWith a quote from the New International Version of the Holy Bible, I bring the topic of stem cell research to the table to inform you on a topic you most likely know nothing about. According to the bible the strong need to bear with the failings of the weak. Why should we please ourselves if we don’t care for stem cell research? Among one of the, if not the most, controversial topics of our time comes one medical science that can save lives if legalized nationwide. We are talking about stem cellsRead MorePrivacy Rights And The United States Constitution3179 Words   |  13 Pagesthe bill of rights. The bill of rights is the first ten amendments of the constitution, which protects many civil rights and liberties of all U.S citizens. The debate today is whether the constitution protects the privacy of citizens from being regulated and invaded by federalism. Privacy is defined and interpreted differently depending on the person or persons involved. The one thing that is agreed upon is that privacy in all forms is a right and shall receive equal protection for all people

Challenges for Mobile Banking Services free essay sample

Banking transactions over the mobile phone are usually performed either by sending a SMS to the bank or by using mobile internet. When you send a SMS requesting a financial transaction, it travels to the SMS center of your cellular service provider and from there it goes to the banks system. Then, you receive the response that is sent by the bank via the service provider, all within a few seconds. Mobile Banking Services Nowadays, banks have come up with a range of mobile banking services for reducing their cost of operation and providing more easily accessible and faster services to you. You can use your mobile banking facilities to inquire about the updates of your balance, statement request, details of the last few transactions and management of pension and insurance policy. In addition to these, you can request the bank to activate alerts, if a threshold limit is crossed, or to set a minimum balance alert. Mobile banking has also made fund transfer, both national and international, quite simple and fast. You can order or request a check book and card, and pay bills with the help of mobile banking. It can also give you the facility of carrying out cash deposition and withdrawals. Some other services of mobile banking include portfolio management services, personalized alerts, notifications on security prices, mobile recharging, monitoring of term deposits, etc. You can also receive online updates of stock prices and even perform stock trading. Classification of the Services There are generally two ways to classify mobile banking services. The first method classifies the banking services as Push or Pull, depending on the originator of a service session. If the bank sends information as per the already agreed rules, then it is categorized as Push. An example of Push is a minimum balance alert, when your balance goes below a particular amount. On the other hand, when the bank sends information as a response to the request sent by the customers, it is termed as Pull. So, if you request the bank to send a statement for the last few, say 3 or 5 transactions, then it is a Pull based service. The second classification of mobile banking services depends on the nature of transactions. So, if you request the bank to send a bank statement, then it is a inquiry-based service, while a request for fund transfer is a transaction-based service. Benefits of Mobile Banking Mobile banking services are not only beneficial for the customers but for the banking institutions as well. These services can significantly lower the operating cost of banking institutions by reducing the dependence on costly call centers. They can also lower the frequency of errors that are usually committed in paper based payments. As mobile banking is a cost effective innovation, it can considerably reduce the financial risk associated with starting a new business initiative. It can also enable banking institutions to closely monitor their new campaigns. Besides this, it can provide a new avenue for selling their products like insurance packages and other banking services. On the other hand, mobile banking helps customers by ensuring the fast processing of their banking transactions. As any kind of financial transaction is immediately reported to the customers, they can easily monitor and detect any error in transactions, or any unauthorized transactions. Today, the mobile and wireless market is one of the fastest growing markets. However, a lack of trust and general awareness have been observed among the people when it comes to mobile banking services. Therefore, it is essential to address issues like security of the banking transactions that are executed from a distant place and transmitted over the air. Besides this, it is also important to ensure the security of financial transactions, if the device is stolen by hackers. If these concerns are properly addressed, then it would help increase the popularity of mobile banking by instilling a sense of trust among the customers. Growth of Mobile market .â€Å"Of 6 Bnglobal population, only 1 Bnhave bank accounts while 4 Bnnowown a mobile† . Over60% of world’s population has a mobile. Penetration of mobile while use of cash globally Mobile services not only offer a new, convenient channel for existing customers of banks, the technology will also provide access to 3 Bnstrong global unbanked population . Mobile payment users worldwide ? 73 million in 2009, up 70. 4 % from 2008 . Mobile payment users gt;190 MM in2012, which is over3 % of total mobile users worldwide a level considered as mainstream† . Rise in Mobile payment penetration (2009 to 2012) North America –From 1. 7 % to 3 % Western Europe –From 0. 9 % to 2. 5 % Asia/Pacific Japan –From 2 % to 3. 8 % Eastern Europe, EMEA and Latin America gt; 3 % Mobile Banking Services Mobile banking can offer services such as the following: Account Information 1. Mini-statements and checking of account history 2. Alerts on account activity or passing of set thresholds 3. Monitoring of term deposits 4. Access to loan statements 5. Access to card statements 6. Mutual funds / equity statements 7. Insurance policy management 8. Pension plan management 9. Status on cheque, stop payment on cheque 10. Ordering check books 11. Balance checking in the account 12. Recent transactions 13. Due date of payment (functionality for stop, change and deleting of payments) 14. PIN provision, Change of PIN and reminder over the Internet 15. Blocking of (lost, stolen) cards Payments, Deposits, Withdrawals, and Transfers 1. Domestic and international fund transfers 2. Micro-payment handling 3. Mobile recharging 4. Commercial payment processing 5. Bill payment processing 6. Peer to Peer payments 7. Withdrawal at banking agent 8. Deposit at banking agent Mobile banking in Saudi Arabia While mobile financial services have been adopted widely, they have yet to be utilized heavily in Saudi Arabia. This lack of use is all the more curious, given the high rates of mobile phone ownership exist side by side with generally minimal access to formal banking in the Kingdom. This presents an opportunity for banks, potentially allowing them to both expand their consumer base and assist the needy in their communities. Three questions should dictate whether Saudi banks adopt mobile financial services: could banks utilize mobile financial services, would they benefit those companies, and should Saudi Banks adopt such services? According to study has been done by KPMG about 67% of the Saudis are looking forward for mobile banking services in the kingdom. This percentage ranked Saudi Arabia as number one country in for the most promising market for mobile banking. According to Tariq Al-Sadhan the managerial partner of KPMG, the new generations of smart phones has enhanced the opportunity in this business and encouraged the customers to look forward to mobile banking. However it’s now up to the banks to get over the obstacles and ensure the reliability and security of the service. Furthermore these study shows how promising the future of this service and the opportunity for the banks. Challenges for a Mobile Banking Security This is the biggest challenge for banks. And what make it even more challenging is the perception of online business for the Saudis. Security of financial transactions, being executed from some remote location and transmission of financial information over the air, are the most complicated challenges that need to be addressed jointly by mobile application developers, wireless network service providers and the banks IT departments. The following aspects need to be addressed to offer a secure infrastructure for financial transaction over wireless network : 1. Physical part of the hand-held device. If the bank is offering smart-card based security, the physical security of the device is more important. 2. Security of any thick-client application running on the device. In case the device is stolen, the hacker should require at least an ID/Password to access the application. 3. Authentication of the device with service provider before initiating a transaction. This would ensure that unauthorized devices are not connected to perform financial transactions. 4. User ID / Password authentication of bank’s customer. 5. Encryption of the data being transmitted over the air. 6. Encryption of the data that will be stored in device for later / off-line analysis by the customer. Handset operability There are a large number of different mobile phone devices and it is a big challenge for banks to offer mobile banking solution on any type of device. Some of these devices support J2ME and others support SIM Application Toolkit, a WAP browser, or only SMS. The desire for interoperability is largely dependent on the banks themselves, where installed applications (Java based or native) provide better security, are easier to use and allow development of more complex capabilities similar to those of internet banking while SMS can provide the basics but becomes difficult to operate with more complex transactions. Scalability Reliability Another challenge for the CIOs and CTOs of the banks is to scale-up the mobile banking infrastructure to handle exponential growth of the customer base. With mobile banking the banks need to ensure that the systems are up and running in a true 24 x 7 fashion. As customers will find mobile banking more and more useful, their expectations from the solution will increase. Banks unable to meet the performance and reliability expectations may lose customer confidence. There are systems such as Mobile Transaction Platform which allow quick and secure mobile enabling of various banking services Application distribution Due to the nature of the connectivity between bank and its customers, it would be impractical to expect customers to regularly visit banks or connect to a web site for regular upgrade of their mobile banking application. It will be expected that the mobile application itself check the upgrades and updates and download necessary patches (so called Over The Air updates). However, there could be many issues to implement this approach such as upgrade / synchronization of other dependent components. Challenges -Security concerns, inadequate ‘ecosystem’and undefined areas in banking regulationsremain challenges for m-payment (Gartner) -Development of a standard protocol that will enable money to be send across different networks in a seamless way (Citi along with Swift, is looking for more flexible protocols that will span different providers –Michael Knorr, MD, GTS, Citigroup) -Mobile remittance services interoperabilitywith other payments applications -The biggest challenge is to gain subscribers onfidence and persuade them to use mobiles forsensitive financial transactions -Deciding upon the right business models, handing revenue settlements, designing and offering new user interfaces, and integrating technology -From a cost perspective, the main drivers are the investmentin the technology platform and the SMS/data access fees. Since it is likely that the former can be based to a great extent on the Internet platform, mobile banking can in fact be a way for banks to extend the value of existing investments. Operating service costs, which include SMSand data access fees paid to telecom operators, have been decreasingsteadily in recent years Factors for Success in M-Banking -With mobile internet at the precipice of mass adoption, banks that will succeed in making the most of their m-banking offers must act fast! Developing innovative technology solutions that are efficient, secure, andcost-effective while understanding the customers growing desire for personalization andreal-time access are the dual tracks to successful next generation Mobile Banking -Mobile Payments processors that are going to be the most successful are the ones that are willing to adapt to various regions and various countries andcustomize their solutions to those countries -Organizations that succeed will be those that balance the strengt hs of technology with those of business(including its influence in the market and market rules) and are faithful to the core economics of the business

Curtain Call by Eminem free essay sample

â€Å"They say music can alter moods and talk to you.† This quote is from Eminems song â€Å"Sing for the Moment† from the album Curtain Call. This explains how I feel about music. When I am listening to music, my mood changes with the songs I listen to. If I were to pick a favorite album, Curtain Call would be in my top picks. In my opinion, Eminem is one of the best hip-hop artists out there. All of his songs are written from his personal events in life, and are about what he is really feeling inside. If you have gone through any of the events that Eminem has gone through, then it feels like he is actually talking to you personally. People criticize him because he is white but talks with an accent, but if you listen to the lyrics of his songs, you would appreciate his talents. Eminem dedicates his entire life to making his daughter, Hailie, happy. We will write a custom essay sample on Curtain Call by Eminem or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page If you have never listened to any songs written by Eminem, then I would definitely recommend you listen to Curtain Call first. Curtain Call is basically just an album of all of Eminem’s biggest hits from 1996 to 2005. It was released on December 6, 2005 under Dr. Dre’s Aftermath Entertainment. Not only does this album contain twelve of Eminem’s biggest hits, but it also contains four of his new songs on it, and one song that he sang live at a concert. If you were to listen to this whole album in one day non stop, it would take you one hour, seventeen minutes, and fifty-five seconds! But if you don’t have enough time for that, then you would probably want to know which of his songs to listen to. The first song that I would recommend you listening to would be â€Å"When I’m gone.† This song basically talks about how Eminem wants to be there for Hailie, but his singing career is getting in the way. It also explains how he wants to do all of the things that a father should do with his daughter, like pushing her on a swing, but he is never home to have those experiences. Another song that I would suggest you listen to would be â€Å"Lose Yourself.† This song is explaining how when society thinks that you can’t achieve something, you need to step up, prove them wrong, and do it. Never give up on your dreams, and always try your hardest. The final song that I would suggest would be â€Å"Sing for the moment.† This song is basically about Eminem’s journey through his rapping career, and how he got there. It also is about how he sings for all of the kids out there who were just like him, and grew up without any luxuries. To rap it up, Eminem is a very inspirational person to me. He may not talk the same and everyone does, but at least he is being true to himself. Eminem seems to have a carefree attitude towards life, and thats what I look forward to. As Eminem sang in one of his songs, â€Å"We consider these minutes golden, and maybe they’ll admit it when we’re gone. Just let our spirits live on, through our lyrics that you hear in our songs.†