Inspiration

However, security, trust and convenience are among the major contending factors affecting the adoption of e-payment systems in Nigeria. This paper presents issues on the factors necessary to facilitate the development of PEPS Niger a and devise ways to enhance its adoption by users. Keywords: electronic payment system, e-money, and e-payment, Internet. 1. Introduction The worldwide proliferation of the Internet has led to the recent birth of electronic payment system : a payment service solution-software that enables monetary value to be transferred digitally.Today, electronic payment system s flourishing due to the openness, speed, anonymity, digitization, and global accessibility characteristics of the Internet [1 2], which has facilitated real-time payment transactions and the r business activities. In this paper, we considered some critical examinations on the existing payment structure in Nigeria. AY so reviewed, was different related literatures on e-payment system, and data fr om research reports. T chemical Journals, newspapers, and magazines were likewise examined.. 2.A Brief Review of the General Payment System in Nigeria In a country like Nigeria, where almost eighty percent of TTS population rely on physical cash rather than electronic payment, it is not so simple Just for people and employers of labor, to consider and decide on the basis of cost and benefit of using e-payment systems [2]. In the course of preparing this research, we had the opportunity of visiting few/remote places to find out the perception of the people about electronic money. It was observed that most people have no common knowledge about the Internet, let alone the existence of e-payments.People are quite far from all the CIT developments take Eng place in banking. What people know about banking is the use of physical cash for opposite and payment, but not electronic payments. The existing structure of the Nigerian payment system is fully based on traditional payment instruments of cash and cheeses [18]. Even for large-value payments, like sale and purchase of land and building, people prefer physical cash rather than receiving any other form of payment. This also applies to the general popular Zion. In businesses, people prefer using cheeses and drafts.Thus, Apex Bank (Central Bank of Nigeria – CAB) operates a clearing house, with many network centers for performing queue clearing throughout the country. The clearing house renders revives to the member banks and financial institutions only. Generally, all the banks and financial institutions are members of the clearing house. 2. 1 Electronic Payment Initiative in Nigeria Electronic Payment initiative began recently in Nigeria. Not all the banks and FL uncial institutions are participating in the e-payment system [11]. Although to date, most of the commercial I banks have engaged in providing some form of e-banking services.It is to be noted that not all of these institutions extend their e- banking facilities to their entire branch network. The e- payment services are mostly provided in the capital city ND some bigger cities nationwide. As mentioned, the e-payment facilities available in Nigeria are Automated Teller Machine (ATM) service, debit card, credit card, mobile banking and Internet banking [5]. Intertwines Nigeria Ltd provides the switching and settlement facilities for trans actions performed on ATM; and transact Nigh. Ltd provides mobile e-payment solutions switching and service provider.Banks purchased their software from different vendors to provide all these services to their customers. Authenticity, inter-operability, validity and confidence solely depend on the supplier of hat software [3]. However, the central bank of Nigeria and the supervisory authority of the Nigerian financial system, has thus initiated steps towards the regulation of electronic payment cyst ms in Nigeria [2]. Electronic payment system has also experienced a lot of setback in recent years due to limited availability of ATM services [5].These machines are only made available to few bank branches and clients, while the demand for the card is higher than the services provided. Infrastructure and Information Technology (IT) constraints also contributed to some of the setbacks experienced (such as: gig cost of internet connectivity, energy challenges, banks not fully automated, banks not ready for electronic payment services, and contentedness of people with the existing system because of lack of awareness on the benefit of the new technology [11]. CICS. Reapers/locals-9-2-1-462-467. Dif Facilitating the adoption of e-payment systems: theoretical constructs and empirical analysis Document Information: Title: analysis Author(s): Gives Г ¶azans, (Middle East Technical University, Ankara, Turkey), Guyana Binaural, (Brunet University, Submerged, I-J), Ray Hackney, (Brunet University, Submerged, I-J) Citation: Gives Г ¶azans, Guyana Binaural, Ray Hackney, (2010) à ¢â‚¬Å"Facilitating the adoption of e- payment systems: theoretical constructs and empirical analysis†, Journal of Enterprise Information Management, Volvo. 23 Sis: 3, up. 05 – 325 Keywords: Electronic commerce, Payments, Risk, Trust Article type: Research paper DOE 10. 1108/17410391011036085 (Permanent URL) Publisher: Emerald Group Publishing Limited Abstract: Purpose – The emergence of online transactions, enabled through internet media, has led to an increase in the availability of electronic payment (e-payment) systems. This research aims to investigate, through theoretical constructs (technology acceptance model, theory of reasoned action) and an empirical analysis, the critical factors that may ensure consumer adoption of these facilities.Design/methodology/ approach – This research study mainly uses the deductive approach to consider secondary sources and primary data, where hypotheses have been developed in order to demonstrate the findings. An init ial literature review revealed six issues that are considered critical for e-payment considerations. An anonymous and self- administered survey based on the research model was developed and e-mailed to he respondents. A total of 1 55 questionnaires were coded and analyses using SAPS to analyses the hypotheses.Advances in information technology and changes in laws, institutions and regulations in some countries have encouraged the emergence of new payment instruments as well as the delivery and processing arrangements for small and large value, time critical payments. With e commerce now in the mainstream of economic activities, we can therefore expect more major changes in the payment systems worldwide in the next five years than we have in the last five decades. Obviously, the e Philippines cannot escape from this sea change.This paper discusses key operational concepts involved in a payment system and describes the emerging payment systems in industrialized countries. This gives d eveloping countries, like the Philippines, a preview of the likely evolution of their payment systems in the next few years as they deepen the integration of their economies with the rest of the world. The paper gives a detailed description of the existing payment system in the Philippines and disc uses innovations in payments media, especially noncoms payment instruments, and facilities for the clearing and settlement of payments.Areas for improving the efficiency and reducing risks in existing payment system have been identified. Developments in the payment system have implications for the conduct of monetary policy. The second to the last section of this paper, therefore, deals with this issue. In particular, it discusses specific payment system innovations, such as the switch to ARTS system m and use of electronic payments media, that can enhance or attenuate the effectiveness of traditional monetary tools. The last section presents some recommendations.Key words: payment system ; electronic payment system; credit transfer; debit transfer; electronic money; transmission mechanism; seignior; queue clearing. President, Philippine Institute for Development Studies (PITS). The author wishes to thank Dry. Vaccine Alden's, Jar. , member of the Monetary Board, and Mr.. Francisco P. Yap, Jar. , President of the Philippine Clearing House Corporation, for their insightful comments on the first draft of this paper. Thanks are also due to Mr.. Gill Olivarez Lime, Mr.. Francis vela, Mr.. Jerome A. Archangel, Mr.. Alton Offering, Ms. Carlisle Scintilla, and Mr..Joel A. Ramose for sharing their insights on how the payment system in the Philippines operates. The author s grateful to Ms. Sharon Theta Vital, Ms. Merle Galvan and Ms. Juanita Deletion for their excellent assistance in preparing this paper. The usual disclaimer applies. 2 INTRODUCTION It is commonly known that a country's infrastructure system determines to a large extent the efficiency of the economy. In a mod ern economy, the payment system I s a major component of the country's infrastructure system. Indeed, no country nowadays can afford to take its payment system for granted.Firms pay wages to their employees and purchase raw materials from their suppliers. In turn, they receive payments for the sale of their rodents and services. Consumers make payment transactions several times in a day. Needless to say, value is transferred among participants in the economy every minute of the day, and it increases as the economy grows. The country ‘s payment system, therefore, must be efficient so that funds can quickly move among market participants for productive use, thereby promoting more activities in the economy. According to Humphrey et al. 2000), the resource cost of a nation's payment sys tem can account for 3 percent of its GAP. Modernizing a country's payment system can certainly reduce that resource cost. Thus, while the country continues to spend on roads, bridges, power supply, etc. , it must not neglect to invest in its payment system m to improve the efficiency of economy, in general, and the financial system, in particular. Through the years, payment systems have considerably changed as forms of payment have evolved from precious metals to currency and checks and recently to electro ionic payments.These changes have been made because of the need to facilitate voluminous transactions occurring in rapidly growing and increasingly more sophisticated economies. Customers naturally seek the most efficient payment teeth, while providers of payment services normally seek the most profitable payments system. Advances in information technology and changes in laws, institutions and regulations in some countries have encouraged the emergence of new payment instruments as well as the delivery and processing arrangements for small and large value, time critical payments.With commerce now in the mainstream of economic activities, we can therefore expect more 3 major changes in the payment systems worldwide in the next five years than we have I n the last five decades. Obviously, the Philippines cannot escape from this sea change. Developments in the payment system have implications for the conduct of monetary policy. Well functioning financial markets can improve the effectiveness of Indore CT instruments of monetary policy because it is through these markets that the signal of monetary policy is transmitted to the intermediate and ultimate targets of the policy Monsoons et al. 998). The effective functioning of the financial market is, in turn, affected by the extent of the efficiency of the country's payment system. Also, rapid innovations taking place in the country's payment system can unpredictably alter the emend for and supply of money, thereby affecting the effectiveness of convene national monetary tools. Monetary authorities, therefore, cannot afford to be indifferent to the rapid innovations taking place in the payment system.A coun try's payment system, no matter how advanced and sophisticated, is not immune to risks. One part y in a payment transaction may not be able to receive or use the funds at a time when she needs them for another transaction for one reason or another (e. G. , fraud, bank closure, clearing and settlement failures, etc). More importantly, failure of one par captain to settle one large payment transaction could quickly spread to other transactions and institutions involved in the payment system, causing disruptions to the entire payment system.Systemic failure of the payment system can inevitably undermine t he effectiveness of monetary policy and adversely affect the real sector of the economy. The monetary authorities, therefore, have great interest in promoting efficient and sound payment system and in seeking ways to minimize systemic risk in the payment system because it has important implications for the conduct of monetary policy, the soundness of the uncial institutions and the fu nctioning of the economy as a whole (Baling et al. 996). Recently, the Committee on Payment and Settlement Systems (CAP AS) of the Bank for International Settlements (IBIS) has developed core principles for systematically 4 important payment systems (see Table 1 These are certainly relevant to emerging market and transition economies especially since they are in the process s of improving their payment systems in order to better handle the growing payment flows within and across their borders.The development of these core principles clearly demonstrates he amount of attention currently given by developed as well as develop ins economies in modernizing payment system in light of increasing financial market integration worldwide. This paper in general attempts to assess the efficiency of the existing payment system in the Philippines and its implications for the conduct of MO notary policy. Section II discusses key operational concepts involved in a payment system. This provides a gen eral background to the issues discussed in the subsequent sections.Section II discusses emerging payment systems in industrialized countries. Modern payment systems have evolved in industrialized countries and rapidly spread to developing countries, especially to those that have already substantially liberalized their financial markets. This evolution has continued in response to the growing v illume and complexity of the transactions and as new technologies emerge. Thus, the emerging payment systems in industrialized countries provide developing countries, like the Philippines, a preview of the likely evolution of their payment systems.Socio n IV describes and makes an assessment of the existing payment system in the Philippines. Section V assesses the implications of the existing and likely evolution of the country's payment system for the implementation of monetary policy. The last section presents some recommendations. The IBIS is an international organization, which fosters coo peration among central banks and other agencies in pursuit of monetary and financial sat ability and serves as the central bank of central banks.Its head office is in Basel, Switzerland and its representative office for Asia and the Pacific is in Hong Kong. 5 Economic transactions involve the rangers of goods and services and the corresponding transfer of value . As illustrated in Figure 1 , these transfers flow in opposite direction. A pa Yemen system, which is indicated in the lower part of is a method of transferring value between buyers (payers) and sellers (payees). In reality, a payment system is much more complex than what is suggested in the figure above. 1998) provides the following comprehensive description of a payment system: â€Å"A payment system encompasses a set of instruments and means generally acceptable in making payments; the institutional and organizational framework overdoing such payments (including prudential regulation); and the operating procedures and co mmunications network used to initiate and transmit payment information from payer to payee and to settle payments. † This section discusses the functions, types of risks and payment instruments in a payment system.A. Functions of a Payment System Any payment transaction has essentially two parts: the flow of information providing payment instructions and the flow of funds . Both flows may have different timing and direction. Each payment trans action requires some form of payment instrument o convey the information about the transactions, which may include the face value of the payment, the identity of the parties (I. E. , the payer and the payee) and their intermediaries, the transaction date, ND the value or settlement date.Regardless of the type of payment instrument used to effect payment, the payment system's functions of clearing and settlement occur. Clearing is the process of transmitting, reconciling and in some cases confirming Payne NT orders or security transfer in structions prior to settlement, possibly including netting of instructions and the establishment of final positions for settlement. This will be clarified further below. 6 Settlement is the act of transferring â€Å"good and final funds† between two parties.A Payne NT is settled with finality when the payer can no longer revoke the transfer of funds to the payee and the funds have been delivered unconditionally to the payee. This is the ultimate objective of a payment system. B. Various Types of Risk in a Payment S http://drips. Pits. Gob. PH/iris/PDF/peptidase's. PDF Retail Electronic Payments Systems for Va lee Transfers in the Developing World Bill Manure Department of Anthropology University of California, Irvine [email  protected] Deed Work in Progress This is a draft concept paper.You are welcome to cite or quote, but please do not do so without the author's perm session. Comments welcome. Summary A new â€Å"payments space† has emerged in the past five to ten years that promises to bring access to funds transfer, banking and financial SE revives to millions of unbaked people in developing countries and in the diasporas that remit funds to them. This payments space is characterized by the I innovative use of new information and communications technologies. This paper summarizes the expel irenic to date of us chi new electronic payments systems.

Entertainment History Essay

Within this essay it describes the popular and most common entertainment in Britain, from radio to the movies, in the beginning of the 1930’s. It reveals key feature of entertainment in the early 1930’s, for instance how it started, what were their intentions and what they involved. The radio plays a huge amount in our lives that’s why when it first began it was a phenomenon for the public and became a big success for the nation. It was formed on 18th October 1922, by a group of leading wireless manufactures. Its founder, John Reith, believed that the BBC should educate, inform and entertain the public, he states this when he says ‘Broadcasting should bring †¦ all that is best in every department of human knowledge, endeavour and achievement’. Reith enforced many regulations for instance; rude jokes were not allowed; he banned light entertainment on Sundays; and presenters had to speak properly so accents or dialects were not allowed. He felt that the BBC should provide popular programmes, however he also wanted BBC to be educational and enlightening experience. Which the BBC accomplished, it broadcast all over the U. K and was able to entertain and inform those in their own home, which brought families together. Though the radio had its rivals such as newspapers, and magazines it managed to overcome this by reaching out to all types of the public for example male, female, all classes, the educated and the illiterate. It became even more popular when the new wireless sets were invented; this was a great delight to all homes in Britain, it was very accessible in letting families enjoy listening to the radio. As well as putting across the news around the world the BBC also aired other kinds of interest such as dance music and comedy. This was a great improvement for singers and band leaders because it made them a vast amount of recognitions by the public because it caused their sales of their records to increase hugely. Band leaders such as Jack Payne and Henry Hall were very popular also common programs for example ‘Bandwagon’ went unmissed. As a result, radio was a family orientated source of entertainment and became a way of spending the night in, whilst enjoying yourself, rather than spending your night out. Another big source of entertainment was the cinema. Just as the radio allowed families coming together the so did the cinema, though it was more a family outing. The film industry grew rapidly, however at first the British film industry couldn’t compete with the American film industry. It wasn’t as technically advanced as the American films and the British public preferred to watch more films from America which didn’t created a bigger obstacle for the British film industry. Consequently in 1927 the government passed an act ensuring that at least 5% of the total number of films should be shown in cinemas had to be British. And during that year sound movies was introduced this was a set back for the British film industry economically the silent movies were no match to the ‘talkies’. Such film like ‘The Jazz Singer’ starring Al Jolson was the first sound movie to be shown though the first ten minutes of the film really had sound. Sound became a sensation; people were able to engage in the films for low prices. This was a way of bringing many forms of relationships together such as, couples, friends and families. It was seen as a safe, comfortable and relaxing environment for everyone to enjoy an evening and because one ticket could be used for the whole day, people could spend the entire day in the cinema. Also Tennis became very popular, tennis clubs emerged increasingly and tennis courts were built in public parks by the local council. Though tennis was very popular it was quite expensive therefore it mainly attracted the middle and the upper class. Also because of its uniform it generally appeals to women, there dresses were shorter and movable as a result women could play much more comfortably. Cricket was a further type of entertainment that attracted the middle and upper class. This was an extremely popular sport, it grabbed a lot of attention especially the men. Matches were filled with people mostly the men. And the success of Don Bradman, who was the one who sailed through nearly every match, initiated cricket hitting headlines. Football was a tremendously popular sport that was also male dominated, however it generally drew the attention of the working class. Because this was a new sport, and the prices were very cheap crowds of 50,000 to 60,000 attended the first division matches. It was so crowded people were literally on the field, although during the early 1930’s, since this was a fresh new sport the men weren’t as rowdy and uncontrollable as the men are today. Even football pools were produced, this suggests the popularity of football and how the people of the 1930’s were influenced by this sport. In contrast to these sports greyhound racing was very popular as well though it weren’t as positive as the others. It attracted the working class and made them spend money to get money, although it didn’t work like that for the majority of people; it increased gambling; dept and led to addiction. The unemployed gambled as much as the working class but just spent less money, all of this reflected the fact of entertainment rising in the early 1930’s. Music halls were an additional strong type of entertainment in the early 1930’s, however as grey hound racing was a negative type of sport so was music halls. It was where a selection of entertainment was staged in a large hall with tables at which drinks were served. It presented a variety of entertainment involving a mixture of popular songs, performing animals, acrobats, male/female impersonators, and comedians. It also assists in many acts becoming popular such as Flanagan and Allen, Gracie Fields, Max Miller, and George Formby. The halls mostly attracted the working class because of its cheap prices; it was a place to socialize; and the availability of alcohol was one of the music hall’s attractions. People really came to music halls to unwind and have a lively time. Therefore, because the hall encouraged heavy drinking among both men and women, it didn’t appeal to families seeing as it wasn’t a place for children. Music halls went into a gradual decline after the introduction of talking films, Jazz, Swing, Big Band dance music and cinema. It’s restriction on the range of audience, which limited their customers, was another reason of their failure. Musicals were similar to the music halls as they were both centered on music and performances; however because of the two different audiences it was incredibly different as well. Because of it sophistication musicals mainly attracted the middle and upper classes, the result of this meant that there was no competition. Therefore they carried on being successful. To conclude entertainment was a break through in allowing people to overcome to effects of the depression. Therefore it gave a rise to the upcoming of entertainment and how it affects our lives today.

Diversity in America

The information I have interpreted from the United States about diversity has not help me to better over stand the, and relate to other different from the past. I would say that the diversity issue in this country has made me very aware that we as a country have a long way to go when it comes to diversity. The information I have processed and have been taught about diversity in this nation is how to effectively base upon other beliefs and upbringing to deal with biases.The information I have learned in this course that’s been the most insightful were the discussion question and the mix array of answer and point of views was expressed about various topics. This allowed me the opportunity to see first and the differences of opinions and reality. I have learned a great deal about the various struggles of my ethnic group and other ethnic groups during my studies in this class.It’s easy to get polarized in one’s own thought process and experiences without seeking over standing form others experiences who have suffered and victimized by prejudices and discrimination throughout history as well. Such as the Native American and the American Asian, are a small group of minorities who have experience in justice and a lack of acceptances in main stream American. I believe by the year 2050 the United States will have changed look and feel where immigration and demographics are concern. American will have changed significantly whites will no longer be in the majority.The U. S. minority population, currently 30 percent, is expected to exceed 50 percent before 2050. No other advanced country will see such diversity; most of America’s population growth will be among its minorities, as well as in a growing mixed-race population. Latino and Asian populations are expected to nearly triple, and the children of immigrants will become more prominent. Currently in the United States, about 25% of children under age 5 are Hispanic; it is estimated that by 205 0, that percentage will be almost 40 percent.Changing patterns of immigration have put the United States on a short road to a population diversity never before experienced by any nation—a population in which all races and ethnicities are part of minority groups that make up a complex whole. Bearing in mind that this nation at the same time, will be growing older; the aging population of baby boomers who are concerned about running out of money before they run out of life and about the increasing cost of health care will have a large impact of the future trends of America.These demographic trends will play out differently in different states and regions, with some areas seeing exploding populations while others experience declining based upon current studies. As America continues to grow more diverse; a huge challenge to overcome is the acceptance and over standing of each individual race and culture that makes up that’s great nation. It’s sad to see, that even t oday the lines of separation are far divided by hate and a lack of over standing. This lack will have a direct effect on our future and how will communicate and exist with each other.Diversity helps society to grow as individuals and open our minds to different ways of life. When we are exposed to different ways to live, we see how other cultures carry on we are no longer closed to the idea that we are indeed all different in some way, and those differences are beneficial to our changing world. Diversity also promotes more tolerance allowing people the opportunity to see other as a lesson of growth help us to accept other cultures, and even adapt some of their ways within our society.The differences that we have between us can be used to strengthen society as we know it. Diversity allows us the opportunity to learn, grow, understand new ways of living, and experience life to the fullest. Without diversity, we are closed off in our own worlds. But with it, we expand our knowledge and we are no longer ignorant. When you are aware of the differences and embrace them, then you have taken the blind fold off to living differently and you are a better person for it.The key is exposure and using what you learned to increase more tolerance and decrease things such as racism. Moving forward America can foster an environment and commitment of pluralism; teaching through acceptance and engaging with other from who are different. Without any engagement or relationship with one another pluralism can be achieve. We key way to see this happening is through the media. Because the media is known for polarizing people of color in a negative light they could start to report news fairly and accurately.Also changing their advertising and programming approach; without stereotypes and outlandish perceptions. Engagement with other creates a common society for all, diversity as a whole is pluralism plain and simple embracing each other for our differences. Yes, there are some people wh o still feel threatened by diversity, or even hostile to it. Throughout America history there have been groups that have expressed prejudice and intolerance toward people of color and cultures however as we grow as a nation we need to look forward to the day when all these differences fade away.The United States faces many challenges in diversity of its many people, and there is still a large percent of the population that supports racism and bigotry. If we don’t make these changes we will not be able to move forward in the United States racially and culturally; this is not just a problem with white people, it is a problem facing all the different cultures in the world because racism has many colors, fearing of something new scaring everybody, but with it comes change and I hope that we all could get along in this world and every one occupies.The world and United States has come a long way in battling this war on racism, but it is still has many miles to move ahead before peo ple could see that although different we are all people. The more diverse we become racially and ethnically, the more important it is that we learn to tolerate differences; and also to celebrate what we all have in common. Whether we came to the United States voluntarily or involuntarily, we all choose to live here now. And more people want to live here than anywhere else in the world.

ENVIRONMENTAL AWARENESS Essay Example | Topics and Well Written Essays - 3500 words

ENVIRONMENTAL AWARENESS - Essay Example Environmental components Environment cycle is another component and refers to a natural process that makes it possible for particular elements to be continuously cycled within the environmental compartments such s the soil, air and water. By the help of various environmental cycles it becomes possible for balance to be provided and enhanced to the environment as a whole. Environment cycles exist in a perfect state of unbalance and it’s only through interference by various elements that a state of instability becomes present thus leading to an endangering of both abiotic and biotic components within its existence (Elizabeth, 2012). A cycle in the environment basically refers to an act of transfer of a particular atom that follows another in a cycle and in the process waste products is eliminated thus leading to environmental stability. There are various environmental cycles that are present in the environment that include: carbon cycle –with carbon being the fourth most abundant element of the gaseous package of the environment. Carbon cycles take place through the ocean, land, atmosphere and the earth’s interior. ... Through decomposition of biological wastes by the involvement of microbes it also becomes possible for nitrogen to be released into the atmosphere. Human activity mainly involves the use of nitrogen as fertilizers (Gardner, 2011). Phosphorous cycle refers to the uptake of phosphorous by organisms. Rocks through the weathering process are that main producers of phosphorous in the environment and is mainly used by humans as fertilizers for their farm lands. Additionally water cycle simply refers to a process that makes it possible for water to be transferred from the atmosphere through condensation and its movement to the earth through precipitation after which it’s transferred to the normal atmosphere using basically the process of evaporation. In the first part of the report I will look at a more detailed understanding of the water cycle and focus on how human activities impact the process of water cycle in the environment (Elizabeth, 2010). Methodology The research will answe r the question of how the environmental process of the water cycle is impacted by various human activities. My research will involve the use of secondary data sources which will be through a review of literature on this topic from books, peer reviewed sources and electronic sources. Discussion Understanding the water cycle The water cycle is also commonly referred to as the hydrologic cycle to describe the transitional stages and processes that relate to the movement of water in the environment. Generally the global water cycle can be understood through a deeper review of nine major processes that form a basis for its movement. As a cycle, the water cycle has no start or conclusion and is basically referred to as an infinite continuous process. Water cycle takes into

Mechanical properties and acoustic behaviour of screed Essay

Mechanical properties and acoustic behaviour of screed - Essay Example The topping thus made is a layer of high strength concrete, with better mechanical properties than other finishing matrial used ordinarily on the surface bases........(1) However, due to the poor surface finishes available at sites, it is advisable to use screed adequately while making correct leveling for the laying of screed to get the required smooth finish. Proper tools like trowels are used for this purpose. The general guidelines for laying a screed layer provide that there should not be any deviation of more than 3mm over a length of 3 meters, to get the smooth and level floor of good quality. The figure shows the deviation curve for the screed layer on a concrete surface over a 3-meter length, with datum level as reference point...........(2) There are mainly two types of screeds, bonded and monolithic screeds. The difference lies in their application. While bonded screed is applied to a hardened concrete floor surface, monolithic screed is applied at the time of laying the concrete flooring itself. This type of screed is applicable only on strong and hardened concrete that has a characteristic strength of more than 20MPa, as the bonding of adhesive is not possible for screed with weak concrete. Moreover, the screed layer cannot fill any cracks on the base floor and therefore the crack will show up over a period. The base concrete surface should be smooth and level to allow a screed layer of approximately 25 mm. thickness, being in the range of 15 to 40 mm.. The preparation of base concrete should be such that it is hardened uniformly, free of oil or dirt, If there is a presence of any earlier screed layers, then same need to be removed by scrapping allover, as the cleaning at edges or pecking at intervals will not be sufficient. The surface should be vacuum cleaned with high air pressure to free it of all dust particles. For this purpose, a mixture of sand and cement should be

Your father runs a small auto body shop. He has decided to computerize Essay

Your father runs a small auto body shop. He has decided to computerize his records and has asked you to explain the basics of accounting - Essay Example Assets in the balance sheets include money, financial records, notes receivable, catalog, prepaid operating cost, office materials, equipment, apparatus, vehicles, structures, and real estate. The law for asset accounts shows that they ought to augment with a debit entry and reduce with a credit entry. The standard balance for an asset account is debit. The standard balance of any financial credit is the entry type, debit, or credit. This augments the account when saving transactions in the periodicals and redistributing to the ledger. Liabilities, on the other hand, include debts and obligations, which may include accrued expenses, salaries payable and sales tax payable in the balance sheet. For the equation to balance, recording of the liability account increases in an opposite way of the assets. Stakeholders’ equity is the net assets after deductions have been made. The deductions depend on the company. Depending on spending, the stakeholders’ equity either increases or decreases. Income statements reflect on revenue expense activity. In the balance sheet, retained earnings make part of the stakeholders’ equity. These earnings remain after deductions have been made on all the expenses and net income. Journal entries that would affect the balance sheet are any item that is related to assets, owner’s income, and liability. Examples are machinery, creditors, and stakeholders income. Journal entries that would affect the income statement are any expenses, and revenues. Assumptions that have done include entity concepts, principle of reliability, principle of cost, principle of going-concern and the concept of stable-monetary unit (Agtarap-San,

The Professional Studies 2 Task Research excercise Essay

The Professional Studies 2 Task Research excercise - Essay Example Michael Gurian, author of The Minds of Boys. Saving Our Sons from Falling Behind in School and Life, and founder of the Gurian Institute has concluded, after 20 years of research (Gurian 2005, p. 9), that there is a "crisis that many boys experience in our educational culture today" (Gurian 2005, p..9). Gurian's scientific research shows that boys learn differently than girls in five significant ways. They learn through sensory-tactile experiences, by attaching learning to physical movement, by chunking or attacking one task at a time, by organizing information into groups, lists or sub-groups, and by exercising their need to physically move between tasks (Gurian 2005, p. 48). I intend to address one of the gender-based differences through an action research proposal which asks the question: Can Art be effectively incorporated into cross-curricular foundation subjects as outlined by the National Strategy, to increase oral communication and literacy skills in boys. Gurian's research indicates that "girls have, in general, stronger neural connectors in their temporal lobes than boys do; these stronger connectors appear to facilitate more sensorially detailed memory storage and better listening, especially for tones of voice. Boys in general pick up less of what is aurally going on around them, especially when it is said in words, and need more sensory-tactile experience than girls in order for their brains to light up with learning." (Gurian 2005, p.48). Boys should be offered the option of communicating through art and oral communication first. Once they have formulated their thoughts, through art and talk, they can commit their well-formulated ideas to paper. "For boys, the arts provide a vehicle for making meaning visible, allowing them to "see" the story as it unfolds. Through the arts, boys can express and explore emotion in a safe context. Both of these factors have been found to increase boys' understanding and enjoyment of the texts the y read." (Ontario Education 2004, p.22). We aren't asking boys to replace writing skills with oral and visual communication. We see them struggle with formulating abstract thought. Because all thinking moves from concrete to the abstract, from the visible to the invisible, we're allowing our boys a more boy-friendly way of putting things down on paper. I choose action research as the preferred method for attaining information because its methods are ideally suited to classroom investigation and it allows for continued Action Research 3 professional development, not only throughout the research period, but also in a continuous manner thereafter. Cohen and Manion describe it as "an on-the-spot procedure designed to deal with a concrete problem located in an immediate situation. This means that ideally, the step-by-step process is constantly monitored over varying periods of time and by a variety of mechanisms (questionnaires, diaries, interviews and case studies, for example) so that the ensuing feedback may be translated into modifications, adjustments, directional changes, redefinitions, as necessary, so as to bring about lasting benefit to the ongoing process itself rather than to some future occasion" (Cohen and Manion 1994, p.