The Final Steps Into The Ordinary Essay free essay sample

, Research Paper marcus Snell English 101 1:00-1:50 11/6/00 The Final Steps Into The Ordinary ? It? s troublesome here and there to set your finger on the tipping purpose of resistance. It? s non regularly the Thurgood Marshalls and the Sally Rides, the enormous features and the significant accounts. It? s in the little steady manners the universe quits considering contrasts to be jeopardizing? What's more, it? s in the long run go oning for merry work powers and tribades. They? re going customary. ? In the September issue of Newsweek magazine Ann Quindlen composed an article qualified The Right For Be Ordinary. In this article Quindlen addresses the issue of gay people and tribades going a segment of each twenty-four hours life. The article expresses that despite the fact that there is as yet a clump of preference in our state ; being gay or tribade over the mature ages has gotten all the more generally acknowledged. The essayist solidly contends this point by her use of tales, her tone, and by? . Quindlen effectively utilizes accounts to demo perusers how merry work powers and tribades are going more cliché. She fabricates her believability by use existent accounts that have genuinely happened and have been accounted for in numerous papers. On episode that she detailed was the Supreme Court? s assurance that the Boy Scouts reserved a privilege to keep up out sprightly scoutmasters. This appears as though an opposite yet it was actually an endorsement in disguise. Despite the fact that the gay scoutmaster lost his test, it was the Scouting functionaries that really took the whipping. Work power who had been Eagle Scouts for mature ages started to coordinate back their identifications. The United Way would not, at this point back up them and removed their help. Urban areas and regions in the blink of an eye restricted the Boy Scouts from using open establishments. This the Boy Scouts lost on account of one little demonstration of narrow mindedness for a kindred person. An additional outline would be that throughout the late spring in Vermont, around 500 gay and sapphic duos were joined in common fraternities. Regardless of whether these fellowships were simply a? below average? sort of marriage, it despite everything implied something to the people. Not at all like what number of otherworldly pioneers have felt, nil appalling happened as a result of these marriages? The sky did non fall. The Earth did non split in two. Upbeat family units and cheerful companions watched glad individuals promise their affection. ? Anna Quindlen? s tone made the segment both effective and fruitless in handing-off the purpose of her theory. In making her section, Quindlen utilized a somewhat humourous and disturbed tone. Her humourous tone was indicated most grounded when she was talking about Dr. Laura Schlessinger a neodymium about the Biblical content. To refer to Quindlen about a note written to Schlessinger, ? It thanks the preservationist remote moderator, who has a dedicated adherents of individuals who apparently were non shouted at bounty as children and are looking to happen individual to do available, for teaching individuals sing God? s law on homosexuality. ? Quindlen other than tended to a couple of requests that the Bible had brought up in her mind. The Bible areas that slaves might be purchased from neighboring states. She was befuddled on the grounds that a companion had revealed to her this represented Mexicans yet non Canadians. Another change reveals to her that she is ethically committed to set her neighbor to perish in light of the fact that he takes a shot at the Sabbath twenty-four hours. Finally, she exchanges of how her companion revealed to her that eating shellfish is a horrifying presence ( again orchestrating to the Bible ) yet a lesser evil entity that homosexualism. Quindlen can't help contradicting this announcement, alongside the 1s preceding it, and would wish some explanation. This humourous tone kept the section engaging and gave an alternate situation on the best way to perceive what the Bible needs to state absolutely. An implication of irritation could other than be heard coming through to the peruser. Indication of irritation were uneffective in passing on her theory. Anna Quindlen? s irritation represented that even with all the progression humankind has made, with tolerating contrasts ; we despite everything have a long way to travel. The absolute most grounded sentiments of irritation are available close to the terminal of the section. ? There are still exorbitantly numerous gay people inclination slayings, too much, and too much many submitted by juvenile work powers who feel undermined by the very impression of homosexualism. That? s perhaps the saddest thing about the assurance by the Boy Scouts, that they send a reasonable message to the individuals who most need to larn resistance that homophobia is worthy, regular, even commendable. ? Little totals of irritation is normal when covering with a subject all of import as this. The announcement Quindlen made must be made so she could demo tha t despite the fact that we have advanced ; we despite everything need to cover with others and ourselves independently. A Third POINT GOES HERE! ! ! ! ! ! ? It is about touchable, the manners by which common individuals who happen to be gay have gotten unremarkable. ? Quindlen said this at the terminal of her publication discourse creation of the feline who won? Survivor? what's more, how he was a lively grown-up male. He was only a common grown-up male who made his way to the top by wining. It just so happened that he was gay, huge exchange. He was simply another individual wining a million dollars as a result of his psychological and ( in his example ) physical quality.

Shopaholism Essay example -- Shopping Shop Buying Essays

Shopaholism I have fifty minutes before my test will be finished. Ten minutes have just passed and the main thing I've composed so far is my name. I keep on gazing at the dark sort and endeavor to understand everything. Five minutes remaining and I rapidly write down my last contemplations. My time is up. Generally I would be eager to discover my test score, yet this time there was no utilization in knowing. I realized I fizzled. I chose not to go to the remainder of my classes for the afternoon and rather do what I for the most part do when I have to disregard my difficulties and simply escape into my own reality where everything is great; go out on the town to shop. After my little trip to the shopping center, I returned thrilled, with a lot of shopping sacks in my grasp and a gigantic bill in my pocket. I wind up getting away from reality through shopping frequently, yet luckily I do know my cutoff points; be that as it may, there are numerous individuals who have framed a dependence on shopp ing. They're practically similar to heavy drinkers. Purposes behind exorbitant shopping change from needing to stay aware of companions or style to just brightening oneself up. In any case, broken shopping conduct can without much of a stretch gain out of power. Like liquor abuse, notes Chicago psychoanalyst Robert Galatzer-Levy, habitual shopping speaks to an instance of the customary delights of living turning crazy. Just as almost every alcoholic begins as a social consumer, a shopping someone who is addicted begins as a recreational customer - bringing a little shading into a dark day by getting a couple (or three) of shoes. Around 90 years back, German clinician, Emil Kraepelin characterized unnecessary shopping as a disease, calling it oniomania after the Latin onos, or cost, however as of late has this issue started to be comprehended. As indicated by Observer Magazin... ...ed in light of the fact that on occasion I do go out on the town to shop to alleviate pressure and I do return with bunches of packs in my grasp, however I don't claim a Visa so I know my cutoff points since I'm utilizing money. Presently I wonder what will happen when I do get a charge card, yet ideally I'll be okay since I'm decreasing my consumption on pointless things as of now. I think on the off chance that we perceive an issue in our ways of managing money at a beginning period, at that point we can forestall succumbing to shopaholism, yet on the off chance that we keep on denying the issue and continue purchasing increasingly more for no clear explanation then the circumstance may turn crazy and treatment would be required. Like voraciously consuming food or neurotic betting, shopaholism misshapes our feeling of self and on the off chance that anybody feels as if the individual in question may be succumbing to this issue then it is energetically suggested that something is done quickly, before it turns out to be past the point of no return.

An Ideal Craftsman free essay sample

In Walter de la Mare’s â€Å"An Ideal Craftsman† the principle topic is insidious in surprising spots. The story shows that malevolent can be found in anybody, that anybody can submit acts that aren't right even those that we consider to be unadulterated and unequipped for wrong acts and sin. â€Å"An Ideal Craftsman† recounts to the narrative of a homicide. A little youngster sets off on an undertaking in the night. He is awoken by a commotion and embarks to the kitchen to submit a strike on Jacob. The title of the story takes on a totally different significance once you have perused the story. De la Mare utilizes a play on the word â€Å"craftsman†. The young man is the ‘craftsman’ of the story. He arranges how the homicide of Jacobs ought to be concealed to make it look just as he had ended it all. The title is amusing. We will compose a custom exposition test on An Ideal Craftsman or then again any comparable subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page The numerous references to creatures and creature commotions all through the story represent underhandedness and corruption. One of the reoccurring creature references through the story is the one to a crow. Crows are regularly utilized as the image of death; they are viewed as a terrible sign. It was once accepted that witches and alchemists utilized the foot of a crow when throwing passing spells. Another creature reference that reoccurred all through the story is the manner by which the young man remains quiet about referencing as a ferret and ferret like. Ferrets are individuals from the weasel family. Inferring that the young man is tricky and scheming. There is a nature of the little fellow that shows his guiltlessness up until the point he meets the lady who was Jacob’s darling in the kitchen and he understands she has quite recently killed Jacob. The young man offers the expression that â€Å"Jacobs was only the sort of individual you’d hope to be a killer. Not this lady, so fat and dumb (pg. 14)†, again this shows awful deeds can emerge out of startling spots. Similarly as the little youngster can’t envision this lady being a killer, one would likewise not anticipate that a kid of his age should have the brain this is something that she should conceal, not to mention have an arrangement concerning how she would have the option to do as such. Similarly as the lady approaches the young man for help, â€Å"Where’s the door? Where’s the entryway, I state? I got lost there among them shrubberies. I can’t get out. D’ye see? I’ve lost the door. It’s dull. It’s please coming down. Where’s the entryway? (pg. 211)† The utilization of light in the story is a significant image utilized by de la Mare. It is just about a different character in the story as de la Mare portrays fiendishness through the dull symbolism of the story. Setting kids house (what the child would know †his entire world) Point of view †of the youngster (first, second or third individual? ) Charactersâ€the kid, Jacob, the lady in the hood Symbolismâ€description of sounds, obscurity, downpour, silver night (silver covering? ) from the start you feel that he is a youthful gullible kid and afterward he ends up being.. Something about liquor? Reason for terrible conduct? Murmur in his final resting place/pg. 203, valley of death/pg 203; dividers hung with the very murkiness of night pg. 04; dim states of the substantial furnishings, as he followed on all through this iridescent nightfall pg. 204; Black hat (again dim becomes possibly the most important factor) Darkness utilized as absence of exemplary nature Candle/passing association Darkness used to represent demise Valley of death? †pg. 203 Nocturnal is utilized to portray Jacobs pg 203 Crow utilized as image on page 204 just after valley of death? Again on 204, cackle utilized on 206 Crow is utilized as awful sign, issues, and demise †¦ crow is sign of death and strife.

Literature Search Assignment Example | Topics and Well Written Essays - 500 words

Writing Search - Assignment Example Totman J; You just have one opportunity to get it right’: A quantitative investigation of relatives’ encounters of thinking about a relative with terminal disease; Palliative Medicine †2015,; SAGE Publications Ltd, Oliver’s Yard, 55 City Road, London EC1Y 1SP, United Kingdom. This is a system approach quantitative investigation using semi-organized meeting, investigating the enthusiastic difficulties home parental figures faces in the arrangement of palliative consideration. It looks at the difficulties the family members experiences as they deal with the agony of the at death's door patients in London city. The investigation breaks down consideration slips methodicallly with accentuation on the agony scale rating of the patients change all through the home consideration time frame. Either the examination moves toward the investigation from the patient point of view as opposed to the consideration supplier viewpoint. In light of the exploration done in Ontario gives knowledge to torment the executives as a moral commitment for palliative consideration suppliers. The focal point of the investigation is the patients with HIV and AIDS. It joins 126 patients and carefully centers the consideration from the patient perspective on the personal satisfaction toward the finish of care issues. It likewise investigates to the getting satisfactory agony the executives as a measure to prolongation of life. The scientist uses the information that elderly individuals structure the biggest pool of individuals getting palliative consideration at that point takes a gander at the measurements of different medications that agreeable soothes torment among the more seasoned individuals. He utilizes quantitative research to assess the remedy models of the medications that patients get credited in the palliative consideration. In this, the analyst focuses on both exploratory and non-trial research to evaluate the utilization of morphine as a principle tranquilize in geriatric torment control. Concentrating the examination on the individuals from three geriatric homes, he investigates the danger of over measurement and under

Pope, John

Pope, John Pope, John, 1822â€"92, Union general in the American Civil War, b. Louisville, Ky. He fought with distinction at Monterrey and Buena Vista in the Mexican War and later served with the topographical engineers in the West. At the outbreak of the Civil War, Pope was made a brigadier general of volunteers. He served in Missouri under John C. Frémont and then under Henry W. Halleck. He was promoted to major general in Mar., 1862. As commander of the Army of the Mississippi, Pope captured New Madrid and Island No. 10 and took part in Halleck's move on Corinth. These successes brought him the command of the newly organized Army of Virginia (June, 1862) and a brigadier generalcy in the regular army. He attributed his bad defeat at the second battle of Bull Run to alleged disobedience on the part of Fitz-John Porter . Removed from command, Pope later campaigned against the Sioux. He commanded (1870â€"83) the Dept. of the Missouri. See study by R. N. Ellis (1970). The Columbia Ele ctronic Encyclopedia, 6th ed. Copyright © 2012, Columbia University Press. All rights reserved. See more Encyclopedia articles on: U.S. History: Biographies

Bank Of Queensland Operations In Australia Essay Example Pdf - Free Essay Example

The objective of this paper is to try and understand the Bank of Queensland (BOQ) operations in Australia and its successes or failures in the last 5 years as it devises various strategies to take an even bigger slice in the banking industry in Australia. We shall critically analyze each strategy and understand how it has helped or hampered the banks operations. We shall also try and understand strategies followed by other banks and accordingly try and devise future strategies for Bank of Queensland to follow to help aid their growth in the industry. Till a few years back, Bank of Queensland remained an almost unknown entity outside of Queensland, but over the last few years, through its unique Owner Managed Branches (OMB) strategy, they have expanded their growth across Australia at a rapid pace. They have also merged or acquired companies along the way in order to help strengthen their base. As of now, the Bank sits outside of the Big 4 banks present in Australia, but it hopes that in the future they would be able to be amongst the biggest players in the Australian Banking Industry. In order to be amongst the biggest players in the Australian Banking Industry, the bank needs to expand its network further through more OMB networks and try and buy out financial institutions that are up for sale which would be assets to the organization in the long run. BOQ..A Snippet Bank of Queensland (BOQ)  is a  136-year old organization and one of Australias top 100 companies (BOQ, 2010). The Bank was established in 1874 as The Brisbane Permanent Benefit Building and Investment Society, the first permanent building society formed in Queensland. In 1887, the society converted to a bank. Then in 1942, following mergers with other Queensland-based financial institutions it became a trading bank. The name Bank of Queensland was adopted in 1970, just as  the Banks  operations were computerized. A year later the Bank became a publicly traded company listed on the Australian Stock Exchange. The Banks first regional branches Cairns and Townsville were opened in 1985. Between 2001 and 2004, an accelerated branch opening program saw  it open 55 new branches throughout metropolitan, regional and rural Queensland, the perfect springboard from which to launch its national expansion under the Owner Managed Branch strategy, a first in the banking industry (BOQ, 2010) which has seen the company open up branches across Australia in a very short span of time. It currently has 266 branches and 3,598 ATMs across Australia (BOQ, 2010). The Bank offers a range of personal banking services catering to the individual banking needs in the country. Its services includes everyday banking accounts, credit cards, debit cards, home loans, wealth management, savings and investments, personal loans, insurance, travel money services and margin lending. In addition, the bank also provides private banking services primarily to high net worth customers. Its services includes cheque accounts, at-call and term deposits, credit cards, mortgage and line of credit finance, home and investment loans, and equipment finance. The Bank offers an array of business banking services which include business transaction accounts, equipment finance, business cards, business investment accounts, statutory trust accounts, cash-flow finan ce, business loans and merchant services. The Bank also offers international services to its business banking customers which includes foreign exchange payment options, trade finance and services, foreign exchange hedging services, foreign currency accounts and deposits, and traveler cheques. The Bank also offers online banking services to its clients through both internet and on phone. The Banks majority shareholders includes HSBC Custody Nominees (Australia), Share Investment No2, National Nominees, J P Morgan Nominees Australia, Milton Corporation and ANZ Nominees among others (BOQ, 2010). AUSTRALIAN BANKING INDUSTRY The Global financial crisis didnt affect Australia as much as the rest of the world due to the rather strong Banking regulations in place (Abott, 2010). In fact, Australia has a long history of stable and safe banks.  One indicator is the fact that virtually no Australian has lost their deposit in an Australian bank in the last 100 years. The last failure where depositors money was lost occurred in 1931 when depositors in the Primary Producers Bank of Australia lost a negligible amount of their deposits. Not a single dollar of taxpayers money has been demanded or required to reimburse bank depositors in over one hundred years (Australian Bankers Association, 2004). While there are many banks present in the Australian Banking Industry making it rather competitive, there are only 4 Banks which command a substantial market share namely, Commonwealth, WestPac, NAB and ANZ who together have a little more than 80% of the housing loan segment (BOQ, 2009). The other banks are generally small or regional players such as Bank of Queensland. Bank of Queensland currently has a market share of 2.2% (BOQ, 2009). The acquiring of BankWest by Commonwealth Bank (The Australian, 2008) and a similar merging of St George with WestPac (ABC, 2008) has left BOQ a vacant 5th position for it to move into and then slowly grow from there (BOQ, 2009). The recent takeovers of BankWest and St. George by major banks have left a void in real alternatives for small business finance in Australia (BOQ, 2009). (Source: Full Year Results 2009) BANK OF QUEENSLAND PERFORMANCE EVALUATION 2005 2009 Despite the Global Financial Crisis, Bank of Queensland didnt suffer any loss during the period despite facing more expenses to secure their funding (BOQ, 2008). In fact, the profits of the bank went up by a staggering 46% despite the downturn to settle at $ 155.4 million (BOQ, 2008). Let us critically analyze each aspect of the Banks business over the last 5 years. Below is a snapshot of the Banks Finances over the last 5 years. (Source: BOQ Annual Report, 2009) As can be seen from the table above, the bank has maintained a steady growth in its profits as well as its assets and despite the strain put on it by the Global Financial Crisis; it managed to withstand it and grow by a very healthy 46% during that period. The total assets under Management have also grown 150% times from $ 14,388 million to $34,545 million between the years 2005 to 2009. Total Loans under Management has also seen an increase from just $12,381 million in 2005 to $28,866 million in 2009, an increase of 130%. Retail Deposits also saw a gigantic increase from just around $5,843 million in 2005 to 16,248 million in 2009, an increase of around 200%. The reason for such a steady growth in profits can be mainly attributed to 3 factors namely: The Growth in Owner Managed Branches (OMB) Mergers and Acquisitions Reduction in Cost to Income Ratio These 3 Factors have formed the backbone of BOQ expansion strategy and have greatly helped the bank as can b e seen below: (Source: BOQ Annual Reports, 2009, p 43) EVALUATION OF CURRENT GROWTH STRATEGIES Let us now analyze each of these strategies individually and understand how they have benefitted the company. OMB MODEL BOQs Owner-Managed model is unique to the Banking industry as no other bank in the world follows this model (BOQ, 2010). Under this model, People can apply for a franchisee of Bank of Queensland, and provided they meet the stringent conditions of the bank, they are allowed to open one and operate them with the Bank of Queensland providing them full support. The contracts are renewable every 5 years. The Owners pay for the day to day expenses in the running of the bank including staff salaries and in return they get a percentage of profit that the bank makes. With local people being the Owners of branches, the bank is trying to give each bank a local feeling. Also, with the Owners also being Branch Managers of the bank, they would be more inclined to work harder to pursue the banks interests as it would lead to more profits for them. It combines the benefits of a motivated sales culture with a compliance focused culture. The OMB model has worked very well for the bank an d has helped the bank expand its base to other parts of Australia thus giving it a much more national presence. From the Banks perspective it is a low cost expansion strategy. It is a variable model that rewards performance. Since 2001, the Bank has expanded from 93 branches to now having 283 retail sites in each state of Australia. Such has been the success of OMB that 22 corporate branches were converted to OMB, and the average monthly settlements in these 22 branches rose by 62% (JP Morgan Conferences, 2008). Below; one can see a more accurate representation of the performance of OMBs. (Source: JP Morgan Conference, 2008) MERGERS AND ACQUISITIONS Besides the huge role played by OMBs in expanding the business operations of BOQ, Mergers and Acquisitions of already established businesses have also helped BOQ expand its geographical presence all over Australia. In 2003, the Bank made two key acquisitions. BOQ purchased convenience ATM provider ATM Solutions Australasia, which it subsequently doubled in value and sold for a net profit of $15 million. The Bank still maintains one of the most widespread ATM networks in Australia, with 3,599  ATMs till date (BOQ, 2010).  BOQ also purchased equipment finance company UFJ Finance Australia, giving  it their first significant interstate presence and positioning  themselves as a major player in the $20 billion equipment finance industry. In 2005, BOQ acquired the $78 million debtor finance division of ORIX Australia, further strengthening  their position in the debtor finance industry (BOQ, 2010).  In  August 2007,  Bank of Queensland made a successful bid for the Mackay-based Pioneer Permanent Building Society, providing the Bank with strong market synergies in the booming Central and North Queensland economies (BOQ, 2010).  In November 2007,  members of Home Building Society  in Western Australia overwhelmingly endorsed a$592 million merger proposal.  This merger with Home delivered an additional 35 branches,  access to the strong  growth economy in Western Australia and  further increased BOQs national footprint making it a truly national company (BOQ, 2010). In early 2010, BOQ finalized a deal to purchase St. Andrews Australia Insurance Business from Commonwealth bank for $60 Million with the hope of expanding into life and credit insurance besides diversifying its business and improving its returns (SMH, 2010). In recent news, BOQ announced its intention to buy CIT Groups Australia and New Zealands vendor finance business for a deal reportedly around A$500 million (Reuters, 2010). CIT group is said to hold assets of around $A66.2 Billion in various banks (NineNews, 2010). This acquisition would prove a shot in the arm for BOQs $100 Million vendor fina nce business (NineNews, 2010). REDUCTION IN COST TO INCOME RATIO In order to increase profits, BOQ embarked on an ambitious cost reduction plan with an aim to bring down their cost to income ratio to as low as 45% by 2011. The program has seen tremendous success as the banks Cost to Income ratio has come plummeting down from as high 64.5% in 2006 to 49% in 2009, a drop of 15.5% in just 3 years (BOQ, 2009) or a $50 million saving annually (UBS, 2009) as can be seen in the illustration below: (Source: UBS Financial Services Conference 2009, pg 16) Below is an illustration on the areas of operation where BOQ managed to get a reduction in costs: (Source: BOQ Full Year Results 2009, pg 15) CORE COMPETENCIES OF BANK OF QUEENSLAND Being a small regional bank, its but obvious that the resources available to Bank of Queensland were rather negligible. However, they managed to overcome this shortcoming by coming up with a very unique OMB model which saw the rapid expansion of bank to become a Pan Australian company in a short span of time, with little or no investment done by themselves (Liddy, 2002). The banks main competency lies in its ability to streamline its costs, but at the same time offering its customers a good quality of service. As Liddy (2002) rightly put it, Across the organization, I see us as the Virgin Blue of banking, utilizing revenue and sales incentives to motivate employees to strive for excellence in customer service and creating shareholder wealth in the process. It is pertinent to note here that according to a survey conducted by TNS Business Finance Monitor (2009), Bank of Queensland emerged with the highest customer satisfaction levels of 90.9%. Another main competency of the banks remains in their proper identification of companies to merge with as they have picked up good companies to acquire which have helped them consolidate their business manifold (Refer Mergers and Acquisitions above in this paper for more details). LOOKING FORWARDÃÆ' ¢Ãƒ ¢Ã¢â‚¬Å¡Ã‚ ¬Ãƒâ€šÃ‚ ¦MOVING FORWARD SUGGESTED DIRECTION FOR THE FUTURE CONTINUE OMB EXPANSION The OMB model of expansion has been a big success to the bank as it has helped the bank expand at a rapid space with minimal investment (Liddy, 2002). Given its success, it would be wise to carry on with this expansion model. A few alterations could be made to the model by reducing terms and conditions of setting up franchises in rural segments so as to enable a better rural penetration. However, the company must continue to ensure total care with whomsoever it franchises with to ensure no misrepresentation of the company takes place. LOW COST TO INCOME RATIOS The low cost to income ratio has seen the bank save around $50 million annually (UBS, 2009). The bank should continue in this same vein and look at further streamlining their business. They should however ensure that this cost cutting does not have an adverse effect on customer service and efficiency or else it would have a negative effect in the long run. MERGERS AND ACQUISITIONS Past mergers and acquisitions have been very beneficial in helping the company move forward and expanding its reach across Australia. Given the current Global Financial scenario, where many businesses are up for sale due to lack of credit, Bank of Queensland should look to capitalize on this and try and acquire these companies, many of which are still feasible ventures such as CIT who BOQ are trying to purchase. BOQ should also not limit itself to only companies that operate within Australia and look towards expanding their reach in developing nations such as India, China where profits are also very good. Other overseas markets should also be looked at to enable BOQ to have a more global reach. I would recommend the setting up of a complete department or workforce that would search for feasible companies for BOQ to merge with that would help BOQ strengthen its Global reach. ADDRESSING THE MARKET VOID The Global Financial crisis has seen a major change in the market with many companies being forced to sell off or shut down entirely due to lack of credit (UBS, 2009). Some examples of these are the acquiring of BankWest by Commonwealth bank and St. George by WestPac, RAMS by WestPac just to name a few (UBS, 2009). The Global financial crisis also effectively shut down the RMBS market which Australias smaller non-bank lenders were highly relying on (UBS, 2009). To add to the situation, many foreign banks such as GE Money Motor Solutions and GMAC have informed the Australian treasury that they can give no guarantee of being able to provide funds for Australian borrowers (UBS, 2009). While this may seem all bad for the industry, this could well be good news for BOQ considering the global financial crisis didnt seem to affect them too much. There is a void present in the market now and BOQ should set themselves up to be in a position to fill that void. With the departur e of BankWest and St. George, BOQ are in a position to move themselves up to either the 5th or 6th largest bank in Australia and slowly move upwards from there. There should also look at buying out smaller non-bank money lenders to further diversify their product offerings and their reach to the different segments of the Australian market. It is important to note here that there has not been an RMBS default till date and mortgage arrears have just been 1.58% (IBT, 2009). CALL CENTRE IMPROVEMENT According to a survey conducted by Canstar Cannex (2009), most of the Bank of Queensland customers complained about the poor quality of customer service offered by the call centre. The Bank should look towards addressing this issue and ensure that they can meet customer satisfaction. DIVERSIFIED PRODUCT RANGE The bank could work on its product range being offered in the market and add more products to ensure that it has the ability to cater to a wide range of clients. Each persons needs are different, so the bank must ensure that it meets the needs of as many customers possible and therefore must ensure that it has a wide array of customer products ready. LIMIT LENDING TO RETAIL BORROWERS The Banks strategy has been to concentrate more on Home Loan borrowers and less on Retail Borrowers. The bank must pursue this strategy in order to ensure that bad debts are kept to the minimum. Retail Borrowings come at a higher risk of future bad debts, and the bank must do its best to keep this to the minimum. CONCLUSION To conclude, it is safe to assume that BOQ is following the proper strategy to success. This statement can be supported by the rapid expansion of the bank and its increase in profits despite a Global Financial crisis. Despite being a relatively small bank in the Australian Banking Scenario; Bank of Queensland has got their strategies right and are surely moving forward into the right direction. Their expansion at a breath taking space surely will go a long way into helping the bank strengthen its credentials. Though the bank is on the right part to success, they can certainly increase their growth rate a little further by implementing some of the above mentioned suggestions such as a diversified product range.

Why Sex Education Should Be Taught Essay - 1247 Words

I. Intro A. According to the nursing schools of the web page published in 2016 called 10 Truly Shocking Stats on STDS and College Students, â€Å"One in four college students have an STD.† They also stated that â€Å"Only 54 percent of students regularly use condoms during vaginal intercourse, 29 percent during anal intercourse and only 4 percent during oral sex.† Why is it that students aren’t protecting themselves against these issues? B. I am a credible source about this information because I am a college student who knows other students sex lives, not just in college but in high school too. II. Body A. Why sex education should be taught in school 1. Sex education should be taught in school for students to learn how to protect themselves against STDs and unwanted pregnancies. a. Valerie Huber in 2015 states that nearly all states abortion percentage has decreased since 2010 because of sex education in her article Is â€Å"Safe-Sex† Education the Reason Behind the Drop in Abortions? She continues to recognize as Hawaii being the top state to decrease abortions and leads directly to their Planned Parenthood program. b. STD and contraceptive education can teach 14-18-year-olds about the risk of having unprotected sex. Also, those who do participate in sexual activity can learn about the best option of contraception for themselves. i. I got birth control at the age of 15. It wasn’t until my senior year that I completely understood what my birth control did toShow MoreRelatedEssay about Why Sex Education Should Be Taught in Schools1494 Words   |  6 PagesWhy Sex Education Should Be Taught In Schools Most America teenagers are sexually active and think nothing could ever happen to them. But, many of them are misinformed about the risks that are involved in sex. Teens also dont always know the best ways to protect themselves and their partners from becoming pregnant or getting STDs. Alan Harris said, the more educated someone is the more likely they are to make responsible and informed choice for their behaviors. Sex education given byRead MoreSex Education in Schools657 Words   |  3 PagesSex Education in Schools Nineteen-fifty five marked the debut of sex education programs in schools in the United States. Along the years, many have argued whether or not sex education should be taught in schools. Many believe that the education of sex encourages students to engage in sexual activities which lead to a higher number of pregnancies and sexual transmitted diseases (STD’s).The U.S. is the leading country in teen pregnancies and STD’s As the number of unplanned pregnancies and sexuallyRead MoreSex Education in Public Schools1188 Words   |  5 PagesSex education should be taught in public middle schools because: it decreases the chance of sexual diseases and teenage pregnancies, it is needed in case of a parents’ absence or neglect, and it also provides more knowledge about how sex works while debunking the myths surrounding sexual intercourse, and it makes some want to set goals for relationships. People say sex education encourages youth to engage in sexual activities rat her than preventing sex. This is true; however, studies show that whenRead MoreAbstinence Only Programs For Public Schools1383 Words   |  6 PagesAccording to advocatesforyouth.org, â€Å"abstinence only education teaches students to abstain from sex prior to marriage.† These program has been proven to be ineffective. Abstinence only education is ineffective because it is not conducive in reducing teen pregnancy rates and sexually transmitted diseases rates. Abstinence only programs are less likely to teach students about birth control and contraception and how to access it. These programs has not been shown to reduce teen sexual activity. AbstinenceRead MoreEssay The Argument of Sex Education in School1227 Words   |  5 Pageslikely all parents who have a common concern on the material being taught on the issue of Sex Education in schools. Fellow parents vote on them to insure that they make the correct decisions on what their kids are learning in school. They are all from some form of the Christian religion. They are from ages 30 and older. They represent all races. They all have a college degree and the majority of them have doctorate degree in education. They are mainly from the upper economic levels in society. The chairmenRead MoreShould Sexual Education Be Mandatory?877 Words   |  4 Pages Should sexual education should be taught in schools? The answer is simply yes. Sexual education should be taught in schools because it can help many teenagers prevent life threating things that come without knowledge of the subject. Without any knowledge on the subject of sex, many teenagers can put themselves in danger that can easily be prevented. Should this class be mandatory? Sexual education should be mandatory simply because of the benefits that come with it. Without knowledge on sex, teenagersRead MoreShould Sex Education Be Taught?862 Words   |  4 Pageswrite about is Sex Education in the classroom. Almost all student in the USA receive some type of sex education between the grades 7th and 12th. Sometime even as early as 4th grade. Many states now have laws that do not allow the parents to opt out of the class, regardless of how they feel about their child being taught, these things (Contemporary Education Issues | K12 Academics, 2015). While some states leave it up to the individual district to set the rules for sex education in the districtRead MoreSexual Education Starts At Home Essay856 Words   |  4 PagesSexual education is a constant development that starts from birth and continues across the developmental life span. During this process, it is crucial to lay a strong foundation for sexual health. There are many factual and non-factual opinions about the topic of sexual education. It is constantly it is being discussed and highly publicized in our society via Mass Media and some of the most influential people in our lives. Sexual education is more than sex; it’s about sexual development, reproductionRead MorePros And Cons Of Sex Education In Public Schools821 Words   |  4 PagesShould Sex ed b e taught in public schools? I. Introduction Do you think all grades, K-12, should take sex education as a part of their school curriculum? A. Interest grabber about the topic Picture this, a 5 year old learning the birds and the bees instead of learning how to write their name. Why are we focusing on teaching kids about sex before they even have the basics of academics mastered? B. Preview of background, pros and cons Sex education is a basic term used to describe a wide rangeRead More Sex Education Essay1112 Words   |  5 PagesSex Education Two drastic Emergency Room cases were handled in 1998 at Mary Washington Hospital. Concerned mothers brought their 12 year old daughters into the hospital thinking they were suffering from severe stomach pain or even appendicitis†¦both girls were actually in labor (Abstinence, 2002). The United States has the highest teen pregnancy, birth, and abortion rates in the Western world (Planned Parenthood, 2003). Are teens getting enough knowledge on sex and how to prevent STDs and unwanted