Web or Mobile Application Essay Example for Free

Web or Mobile Application Essay JP Morgan Chase Mobile Bank application is one of the most important applications I have in my iPhone. Chase has created a new way of banking with their application. It is user friendly, it offers amazing capabilities, it is a time and money saver, and it has room for improvement. Chase has brought banking into our hands. The purpose of the application is to make banking for their customers stress-free. With this application customers can deposit checks from their iPhone, iPad, iPod touch, Android, Kindle Fire, and Windows Phone. All they do is input the amount of the check, take a front and back picture of the check and click submit. Customers can also view their banking and credit card balances and transaction history. Customers can transfer money between Chase and non-Chase accounts, in different ways. They offer Transfer Money, Wire Transfer, and Chase QuickPay. I just used the QuickPay feature today. My little sister bought my tickets to Lollapalooza so I paid her back through QuickPay. In order for the money to get deposit to her account, we both have to enrolled in the Person-to-Person QuickPay. Once we both signed up, I type her e-mail or phone number and the amount to transfer and submit it. Once sent, she approves the transaction, and it is complete. I am also able to pay bills with the application. This feature is truly helpful; I set up reminders on my phone to remind me of when my payments are due. When my reminder goes off, at that moment I log in to my Chase application and make the payment on the spot. I do not have to wait to get home because if I do I would forget to make it and I am charge with the late fees. Another capability is being able to find the closest branch or ATM near me. All this is possible with a smartphone and a tablet. The Chase bank application is a time and money saver. I was in the Army and I had been station in places where Chase branches or ATMs are not close to me. Right now, I live in Copenhagen, Upstate NY, which is about half an hour from Ft Drum. The closes Chase branch or ATM to me is in Syracuse, which is about an hour and a half away. Being able to have access to my account on the palm of my hand is amazing. Not having to set a foot on the bank has saved me time, gas and money. Time is very important to me and the way I pend it is written down in my planner. I do not have the time or the money to drive and wait in line. In the time it would take me to drive to the branch and back home, I could watch a movie with my family or do some homework. This application has really made my life a little easier In a likely future that I want to see added to this application would have to be like a check balance book. This feature would help me see where my money goes. Just by taping an icon I can see how much did I spend on Tuesday, how much money do I have left in my account, when do I get paid, am I getting closed to overdraft. I know this is my responsibility, but it would be nice to have my own personal accountant. Another possible addition could be being able to send and receive e-mails to and from Chase. I think these two features can help Chase improve and be ahead of other banks. ‘JPMorgan Chase has yet again won a ranking of mobile banking apps. In this one, Keynotes semiannual mobile banking scorecard, Chase came in first for the third time in a row’, ‘†¦its analysts score the apps according to 120 criteria in four categories functionality, ease of use, privacy and security, and quality and availability’ (Penny Crosman, 2013). I remember when every Saturday I will had to go to the bank to make a deposit of my checks, and having to fill up the deposit slip. Just the waiting in line used to irritate me. Being able to access my account, pay bills and make deposits without having to set a foot inside a bank is incredible. Chase Mobile definitely has changed the way their customers and I bank!

Essay --

Not surprising that The Magic Flute has been staged by contemporary innovative directors- it’s craziness makes it ideal for being a director’s medium. Modern opera criticized for being boring or whatever, but here are three directors who, although they faced criticism themselves, approached opera with fresh perspective and with a desire to change what they felt where stiff conventions that no longer Richard Wagner was supremely interested in the music of other composers, both that of his contemporaries and those who had influenced the operatic stage before him. As an opera composer and librettist himself, he listened to the offerings of other composers carefully, forming his opinions with even more caution. In his anaylsis of Mozart’s work, Wagner credited the composer with â€Å"creating true German opera† Modern music critics continue to scratch their heads when considering Wagner’s gushing remarks on Mozart. In a review posted to the Flos Carmeli Arts Blog on February 26, 2010, Steven Riddle describes Mozart as a German composer who writes music that is â€Å"flexible, nimble, light and lovely†, while Wagner’s is â€Å"like a beautiful bludgeon- slow and ponderous†. While they possess little similarities in style as composers, it was not simply Mozart’s music that enamored Wagner. The Magic Flute inspired Wagner with its characters and their keen development, as well as Mozart’s clear voice as an interpreter of the drama within the music. He praised Mozart for his ability to create a genre that was unlike any previously seen in the German Opera. The Magic Flute was an opera that lived between Opera Seria and Opera buffa (both common in German opera at the time), but also contained many musical styles of the ornate Italian opera. ... ...e gaps caused by heavy editing to the libretto. He gave voice only to the most important characters, Pamina and Tamino, Papageno and Papagena, the Queen of the Night, Sarastro and Monostatos. Particularly bold was his cutting of the Three Ladies and the Three Spirit Children, who he deemed merely mechanisms of exposition and magic. What Brook yearned to create where characters who were true individuals as opposed to singers in a pageant of the superfluous. His work with the Queen of The Night particularly reached this goal. While she is clearly the villainess of Flute, Mozart’s music gives her a complexity that Brook highlighted. Her revenge aria, in which she mourns the loss of he daughter to Sarastro, is mostly known for it’s treacherous colatura. In Brook’s Flute, the aria began softly and tenderly, reaveling the bevered mother underneath the evil Queen.

The Cost of Education

Joey Goodstudent English 101, Section Causal Argument Essay February 16, 2009 The Real Cost of Education It was David Henry Thoreau who said, â€Å"The price of anything is the amount of life you exchange for it. † He graduated from Harvard in 1837, but not with a diploma. He explains, â€Å"they have been foolish enough to put at the end of all this earnest the old joke of a diploma. † Thoreau understood that the piece of parchment handed out at commencement means nothing more than the hard work, studying, and education that came before it. Today, those values are lost, and only 59% of Arizonan high school students graduate. This number reflects changes in society, problems in schools, and student’s personal reasoning. Society today demands a degree, not to get ahead, but just to keep up. An article published in the July 17, 2008 Wall Street Journal titled â€Å"The Declining Value of your College Degree† states that â€Å"College-educated workers are more plentiful, more commoditized and more subject to the downsizings that used to be the  purview of blue-collar workers only. What employers want from workers nowadays is more narrow, more abstract and less easily learned in college. † A phrase like this is very discouraging to a high schooler. When the prospect of a brighter future is taken from the table, the immediate response is â€Å"why try? † This attitude gives way to a sense of hopelessness and discouragement. A study by Civic Enterprises shows that 69% of dropouts said that they were not motivated to work hard. The growing cost of living coupled with the independence of today’s youth creates a need to work, and earn money. In society today, children are growing up much faster. A report by the Guttmacher Institute placed Arizona as the state having the second most pregnancies in women aged 15-19. We fell just 9 teen pregnancies shy of first, at 104. With the average annual cost of raising a child at $17,151, it’s practically impossible to support a family and remain in school. This causes both parents of the child to drop out; with both either working all the time or taking turns watching the child as the other works. Problems with the schools are also large contributing factors in the decision to drop out. High Schools often have stark attendance policies that step on the toes of students otherwise willing and able to complete high school. When a student misses a set number of class periods they’re simply audited. The student is not given a chance to catch up, or to learn what they’ve missed, but are assumed to be unable to finish the course. This notion runs contradictory to Arizona’s standardized testing, which suggests that if a child can pass a test, they’ve learned what’s necessary. The audited students are not given the chance to be tested, and show that they’ve learned the necessary material despite absences. A study by Civic Enterprises shows that 47% of students gave the reason â€Å"classes are uninteresting† as one of their motivations for dropping out. Uninteresting classes comes as a result of a strict curriculum to support standardized testing, and placing high value on practical subjects such as math and language, while stigmatizing creative subjects like art, drama, and dance, which would hold the attention of students otherwise bored. Teachers today are forced to stick to strict curriculums to ensure that students can pass a test at the end of the class. This often limits learning techniques considered to be more interesting than others, such as working in a group on a project, or having a class-wide discussion. These actions are replaced with long, prepared lectures and quizzes. Knowledge is lost on students, who sit in class bored. Education is increasingly geared towards practicality, and academic ability. Schools will teach daily mathematics and languages classes, and only offer art or music classes a fraction of that time. Students become bored with the subjects and have no motivation to continue attending school. If schools were to offer more fine arts students would soon gain fascination, and in turn be more interested and motivated to go to school. Class sizes in schools are also a problem, as a large class size will limit the one-on-one time student’s need with their instructor to fully understand what being taught. Often when a class is too large students are unable to ask questions because the instructor is busy help other students, or grading hundreds of assignments. When the class size is smaller, an instructor can get to know particular students weaknesses and help them develop those areas. In this way, a small class size fosters a stronger education, and in turn, happier students who enjoy learning. Students coming to high school from junior high are faced with a completely different social situation. Cliques and groups form to exclude people, and this causes self-esteem issues. Finding friends in this new situation can be tough for students, and feeling like an outcast at school will cause students to not want to be there. Belonging to a group will increase the chances of that students attending school. Conversely, some students get so caught up in the social aspect of high school and being a ‘teen’ that they let their attendance slip, preferring to go out to lunch or hang out with friends over going to school. Eventually, school takes the back seat to their sociability and they drop out. Peer pressure also limits those who earnestly want to succeed, but are not strong academically. Super-seniors will come back to school for another year instead of giving up, only to be ridiculed and called stupid by other students. They soon believe the ridicule and drop out. The true cost of education is the life we exchange for it. It could be at work, struggling to support ourselves and go to school. It could be at home studying for an upcoming exam, It could be in the classroom trying to pay attention, or with fellow students, trying to make friends. With time will come the consequence of these high drop out rates. Perhaps then we’ll take action and try to stop it.

Managing Cultural Diversity

Summary This academic paper will consider the study â€Å"Cooperation and competition in intercultural interactions† conducted by David Matsumoto and Hyi Sung Hwang, San Francisco State University, United States. Prisoner’s Dilemma, Ultimatum, Trust Game are well-known play games which allowed to accumulate sufficient knowledge in the presented area of studies in terms of cooperation, competition, punishment, trust, trustworthy and clearly demonstrates that people of different cultures plays these games differently. Earlier research has come to conclusion that intercultural interactions shows less positive results in cooperative behaviors in game play than intracultural interactions; but to date no empirical links have been made between behavioral outcomes and cultural differences between the participants, which became the actual purpose of the study. The first hypothesis is that Intercultural condition will produce less positive behavioral outcomes and cooperation than the Control condition and the second hypotheses states that these behavioral differences are connected to cultural differences. Organizers of the study offered modified version of Prisoner’s Dilemma where partner either country mate or international one. Americans were put in the same sex-dyads in one of three conditions: with another American participants (Control Condition – 120 people, 40 males and 80 females), with an international student (Intercultural condition – 41 Americans, 20 males, 21 females and 41 international participants, 20 males and 21 females), or with another American but under stressful condition (Stress conditions – 90 people, 44 males and 46 females). The aim of the participants is to increase their participation fee, and they were told that an amount of paid sum depends on their play, in reality they received standard amount of fee. They were seated opposite each other and were not allowed to talk, each pair was separated by divider, Experimenter observed the play on the other side of the table. Each participant was given 20 1$ coins and a blue (competitiveness, defection or betrayal) and yellow (cooperation, trust, vulnerability) card. They had an option whether to play with blue or yellow card within the time allotted for each play. Participants in the Control and Intercultural Conditions were instructed to increase their original payoffs and they received participation fee regardless they won or lost the play; the length of each round 20 s. Participants in stress conditions were instructed that one participant should win over other, and winner will receive all coins from looser; each round lasted for 4 s. Play continued for 20 rounds, or until one of the players lost all their money. Researchers opted a broad-based approach, where they defined a set of context variables (they were extracted from the plays and summed across both players for production a score for each pair) and in addition they created 10 individual characteristics (cooperation, betrayal, forgiveness, retaliation, reparation, defection, reconciliation, stalemate, prosocial acts, antisocial acts); examined indices of cultural differences between pairs of individuals from different cultures, using home country scores on Hofestede’ (2001) cultural dimensions (Individualism vs. Collectivism, Power Distance, Uncertainty Avoidance, Masculinity vs. Femininity, and Long vs. Short Term Orientation) . Researches also created cultural differences score in the intercultural condition. All participants passed a personality test (Neo-Five Factor Inventory) and were qualified as acceptable. Besides this, participants self-reported their emotions using 9- point scale (0-9 anger, contempt, disgust, fear, happiness, surprise, pride, shame, embracement, guilt, interest and etc. ) before entering the experiment room and after. For the intercultural Conditions researches computed Cultural Distances scores for each pair using Hofstede’s (2001) five cultural dimensions. As the result after computing dependent/independent variable (Condition), taking into consideration that pair had the same characteristics (same sex strangers in the same condition), analyzing data for hypotheses, conducting post hoc comparisons using Scheffe tests, thus researchers concluded that Intercultural Condition looked like the Stress Condition, demonstrating worse behavioral outcomes than the Control Condition despite the Intercultural Conditions had the same instructions and procedures as the ontrol Condition. Hypothesis 1 was proved. Initiators of the study also computed pair level correlations between Geographic and Cultural Distance scores with each of the behavioral outcomes in the Intercultural Conditions. Greater cultural Distance on Power Distance was reliably was strongly associated with less positive behavioral outcomes. Hypothesis 2 was supported. Discussion Strengths This study is the very first research which empirically linked behavioral outcomes to cultural differences between the players and it is undeniable that these findings play will make essential contribution for future empirical works, business development, intercultural trainers and participants itself. Organizers of the study introduced personality scale to control individual-level effects, offered participants to self-report twice their emotional state prior and after experiment, measured and computed dependent/independent context variables (used well-known Hofested’s cultural dimensions) in order to reduce the possibility of commitment of the ecological and cultural attribution fallacy. Limitations Cross-cultural literature do not explain us sufficiently what happens in intercultural situations because cross-cultural differences are not necessarily translated to behavioral differences in intercultural interactions; moreover, there is no empirical demonstration that less cooperative and more destructive behaviors associated with intercultural interactions connected to cultural differences between the participants. Game rules and experimental procedure make direct comparisons very difficult and there is a possibility that instructions are interpreted differently in different cultures. Difference scores of participants’ home country scores on cultural dimensions are not strongly linked to participants because they are simply diffuse and abstract. Methodology didn’t allow for separation of relative standing of the relative standing of power distance and examination of whether differences were consistent at different values of dimension. Another concerns how the participants in the Intercultural Condition perceive differences between each other. Plus, it is implicit whether these perceptions are automatic or deliberate thought. One of the limitations of the study related to potential explanatory variables (such variables may have been at play) that were not measured (culturally-based, individual differences in economic expectations, religious differences etc. ) References Matsumoto D. Hwang H. S. , (2011), Cooperation and competition in intercultural interactions, International Journal of Intercultural Relations, Vol. 35 , Issue 5 , pp. 677-685 Ailon, G. (2008). Mirror, mirror on the wall: Culture’s consequences in a value test of its own design. Academy of Management Review, 33(4), 885–904. Allik, J. , & Realo, A. (2004). Individualism–Collectivism and social capital. Journal of Cross-Cultural Psychology, 35(1), 29–49.

Free Essays on Being A Minority In A Country

Being a Minority in a Country Of One Cultural Majority The current situation races are going through right now has only changed somewhat than what it was years ago. Different races are still learning to work and coexist in our current social model. All races have to still cope with discrimination and intolerance. However, there are other cultures that deal with a lot more than others. Our social model has three different standards, which are: the current status of racism and prejudice, the current levels of economic equality and the current social (education and health) situation. Native Americans have always experienced a lot of racism and prejudice. They were the first to be found on this land and have tried desperately to maintain their freedom to choose their own futures, culture, language, and religion, even though mainstream America is following closely behind them (Giago 287). Since these lands have become American soil, Native Americans have been exposed to assimilation. However, they were not allowed to assimilate into the dominant culture because they were thought of as being inferior. Also, if they did assimilate then the dominant culture would not be able to take their land (Race: the Power of an Illusion). Due to their strong family and cultural ties, they were seen as inferior and because of that inferiority the dominant culture was able to restrict them to designated lands, while they seized the rest of the land. As of now, the current situation related to prejudice for Native Americans has not changed a great deal. They are still seen as infer ior to the dominant culture. Currently, the Native Americans economic status is that they are the lowest of all the major ethnic groups in the United States. In a 1990 census, the average Native American family income was lower than African Americans, which was only $24,000, while their poverty rate was the highest among the different ethnic groups. Also according to the same... Free Essays on Being A Minority In A Country Free Essays on Being A Minority In A Country Being a Minority in a Country Of One Cultural Majority The current situation races are going through right now has only changed somewhat than what it was years ago. Different races are still learning to work and coexist in our current social model. All races have to still cope with discrimination and intolerance. However, there are other cultures that deal with a lot more than others. Our social model has three different standards, which are: the current status of racism and prejudice, the current levels of economic equality and the current social (education and health) situation. Native Americans have always experienced a lot of racism and prejudice. They were the first to be found on this land and have tried desperately to maintain their freedom to choose their own futures, culture, language, and religion, even though mainstream America is following closely behind them (Giago 287). Since these lands have become American soil, Native Americans have been exposed to assimilation. However, they were not allowed to assimilate into the dominant culture because they were thought of as being inferior. Also, if they did assimilate then the dominant culture would not be able to take their land (Race: the Power of an Illusion). Due to their strong family and cultural ties, they were seen as inferior and because of that inferiority the dominant culture was able to restrict them to designated lands, while they seized the rest of the land. As of now, the current situation related to prejudice for Native Americans has not changed a great deal. They are still seen as infer ior to the dominant culture. Currently, the Native Americans economic status is that they are the lowest of all the major ethnic groups in the United States. In a 1990 census, the average Native American family income was lower than African Americans, which was only $24,000, while their poverty rate was the highest among the different ethnic groups. Also according to the same...

U.S. National Debt Assignment Example | Topics and Well Written Essays - 250 words

U.S. National Debt - Assignment Example This research will begin with the statement that according to the article, Treasury Direct 2012 the size of the U.S National debt as per August 31st, 2012 stands at $16,394,000. Debt held by the public amount to 11,272,626 and the Intergovernmental holdings amounts to 4,743,144, which totals to 16,015,770. This essay discusses that the Total Public Debt subject to limit soared to 15,976,711 while the Statutory Debt Limit amounted to 16,394,000. The debt is rising at a high rate since the amount seems to increase gradually every month. In July 2012, the total Public Outstanding Debt amounted to 15,933,235, which increased to 16,015,770 in August. Still, the Total Public Debt subject to limit totaled to 15,894,576 and Statutory Debt Limit was recorded as 16,394,000. The present research has identified that the amount slightly increased to 15,976,711 of the Total Public Debt Subject to Limit and the statutory Debt Limit increased to 16,394,000. As of January 2011, the much of the debt o wned by foreigners is 10,300,000. The foreign country that owns the most U.S Treasury Securities is China with $1.16 trillion with Japan coming in second with $882 trillion lending. Following this analysis, the debt position of the country and its activities’ report create a concern of dealing with an economic recession. This is something that the country should be concerned about since if not handled it would result in an economic crisis.

Interpret Research on Decomposition Analysis Paper

Interpret on Decomposition Analysis - Research Paper Example The relationship between return on assets and return on equity is that return of assets shows how profitable a company is before they consider giving advantage to investments, hence two thirds of the DuPont equation of measuring return of quality is comprised up of return on assets. (Peppers, 2005, pp 124) Net Income ROA = Value of assets Return on assets and return on help in calculating the rate of growth of a company. The value of return on assets helps in calculating the internal growth rate of a company. Internal growth rate is the maximum rate of growth that a company can achieve without getting help from external financing. It therefore tells how independent a company is. The value of the return on equity helps in determining the sustainable growth rate of a company; this is the maximum attainable income of a company with the inclusion of assets and investments. This gives the potential of the company with the exploitation of all avenues of income generation. Capital intensity is the current status of funds available in the company with the consideration of other factors in the company such as labor and other forms of production. Companies that use heavy machinery and have many laborers do work that is more effective; hence, an increase in the capital intensity increases the labor productivity. Companies that use so much initial investment always get lower return on assets than those, which use less initial investment funds; however, increased productivity makes the company have a greater growth rate. Quantitatively, capital intensity is the ratio of total value of capital equipment to the total potential output of the company. (Masterman, 2007, pp 47). The world’s leading car-manufacturing company, Toyota, use the JIT production method. The JIT production method involves, the processes of waste elimination participative culture of work, and, continuous improvement of quality of production hence by using this system, Toyota reduce the need for raw materials, this in many ways increase the returns on quality of the company because less money is used in the production expenses of the company. This also minimizes wastes hence more economical in that the company does not spend on ways of ways of waste disposal. The Kanban system is the control unit of the JIT it implements everything that happens in the system. This helps in making sure that there are no any early or late productions in the company. The efficient method of production that Toyota uses makes it the largest vehicle producing company in the world. Though there has been a falling trend in the sales of the vehicles, this is mainly due to external causes in the market, the sales mainly fell in the country, and the drop in production was by 11.7%. Outside Japan, the sales improved and went up by 6.2%. The policy of minimum wastage and efficient production ensures that the production and sales remain high. The return on quality remains high (Tracey, 2008, pp 54). Honda i s a Japan based motor p[production company. recently Honda made their all time biggest production quantity of all time. Hondas strategy of production and marketing is different from that of Toyota, while Toyota mainly majors in the production of motor vehicles, Honda, on the other side has a diversity of products from vehicles to motorbikes, they even produce robots, in fact, Honda produced the only human robot that can walk up and down a