Sunday, February 9, 2020
Types of Research Papers
Types of Research PapersA Masters Degree in Nursing Research Paper Topics lists nursing research papers to find out what kind of research is involved in the various topics that are commonly studied by all registered nurses. There are many types of nursing research papers that have to be published in such journals, but there are also the historical ones which can still be read for a student who wants to know about those important events which took place in the field of nursing. It is usually better to complete such a paper while in a Masters Degree in Nursing or as an additional project that is being developed at the doctoral level.It would be advisable to choose those papers that will get the most comments from readers, so that it can generate ideas to produce more information for future research. To choose the right one, the student should look for those papers that are authored by senior academics from different universities. Such journals are most often conducted in a conference f ormat where the research is given a great deal of time to air.The level of research papers varies according to the discipline of the subject concerned. Medical science and nursing are very closely related. They both are part of a complex system of science known as the bio-medical science and they both face a similar number of challenges in the field of clinical and research studies.In medicine, there are various topics which are related to the nurse's health such as vaccinations, eukaryotic diseases, immunology, the natural history of chronic inflammatory conditions, neuropathology, and the biotoxin hypothesis among others. Each of these types of topics has to be taken care of well so that a good research study can be done. Nursing research papers take into account the whole range of the subject so that the nursing discipline will be better understood by researchers.The common topics that are practiced in nursing research papers include childbirth, mental illness, nutritional therap ies, first aid, rehabilitation, and other issues related to the physical, mental, and social aspects of nursing. Some of the other subjects that are commonly found in the research papers are patient education, continuity, spousal care, health administration, and cultural competency. These types of research papers are required by the nursing faculty because they can have very important consequences on the field of nursing. They can give a better idea of how a nursing resident works and how he is connected with patients and their families.Not only that, they also help the students to develop new ideas in nursing science and even in the development of new ways of doing things in nursing. All students who are taking a Masters Degree in Nursing research paper topics will be benefited by such a project. They can develop their own ideas and apply them to problems that are common to their field of interest.The different types of research papers that are to be tackled in the same doctoral pr ogram vary from year to year and it is not always possible to go back to read older papers. It is therefore advisable to take as many new research papers for Masters Degree in Nursing Research Paper Topics as possible.
Friday, February 7, 2020
The Upside to Easy Essay Topics for Esl Students
The Upside to Easy Essay Topics for Esl Students Using Easy Essay Topics for Esl Students You must present your topic, clearly, and also your thesis statement that has the function of indicating to your readers what is the probable path of the full work. You may also order a fully written compare and contrast essay and alleviate the quantity of work you must do. A methodical strategy is necessary to compose a process essay. The very first thing you ought to do is identify the sort of compare and contrast essay which you're handling. You may restate your thesis statement and point out a number of the arguments used over the whole essay that backs it up. Be conscious of the size it must be and get started writing the narrative essay outline. The instructions about how to write process essays should also end up being practical for readers. You are able to download our sample essay papers at no cost. Getting the Best Easy Essay Topics for Esl Students On our site you'll find considerably more useful special information that is certain to be helpful for junior and higher school kids from, like common home task essay about Hamlet, in addition to, for instance, application essays for college for future students. The role of assigning an essay to middle school students is to make awareness and permit them to develop writing skills. The very first step you will have to do is make certain your ESL students understand how an essay ought to be structured. Another reason is to observe how well students argue on distinc t views and demonstrate understanding of the studied subject. Short stories are an excellent way for adult ESL learners to locate common ground to get discussions. English language classes usually expect a lot of writing. Students Assignment Help is not just offering English essay topic help for free but at the exact time assignments help in various subjects is also offered. Students who excel in writing about such complex topic might have an opportunity to be enrolled into a number of the very best Art universities to come up with their abilities and talent. Since you may see, the topics are split between multiple categories so it would be simpler that you select one. So make sure you decide on a subject, which has values in it. Your topic has to be clear and understandable. Picking a topic is a vital issue that partly estimates final success of the job. Don't opt for a very hard topic because you'll have an excessive amount of work to do. Fantastic news is that we've got a solution. You might also have to help them shape their topic into a true stance. Don't select a wide topic as you won't have sufficient things to write about. There are many procedures that may help you to pick a topic. So now you are aware of how to select the best compare and contrast topics and the various segments you require to address when writing. In most instances, the topics you select should be closely related. Lucky for you, there are a lot of topics you could concentrate on when writing and it's all your responsibility to figure out the precise topic that you would like to build on. The Importance of Easy Essay Topics for Esl Students You have to have skills to compose a great essay. Nowadays it is quite difficult to locate a trustworthy essay writing service. Easy expository essays are essays where you're predicted to work on facts instead of opinions. One very great way to compose a convincing essay is to follow along with the rule of three. You must compose an observation essay, which is already a fairly hard endeavor. Look at observation essay examples to obtain a concept of the way in which a superior topic appears like. There are several different topics that you can use in writing process essays. If you're in a college and wish to compose an argumentative essay, you should pick a subject of high importance. About the vocabulary, it's possible to even speak with your teacher and check if you comprehend the meaning of all of the words correctly. You can begin with the kind of topic you select for your compare and contrast essay. It is extremely easy to discover such a topic and also write this kind of essay as long as you observe a few essential rules. Selecting short stories for adults differs from finding materials for kids. At the exact same time, detecting cause and effect relationships isn't that easy in regards to the selection of a fantastic cause and effect essay topic. For instance, if you've completed the topic concerning the previous tenses, most likely, you'll get a topic about some previous events, like your vacation or your very best friend when you were a kid. For example an individual may select a topic like, life in the shoes of a werewolf.
Wednesday, February 5, 2020
The Pitfall of Thesis for Marijuana Research Paper Topics
The Pitfall of Thesis for Marijuana Research Paper Topics What the In-Crowd Won't Tell You About Thesis for Marijuana Research Paper Topics There's a huge number of individuals who are committed to the activities of arresting and prosecuting people using the marijuana. It is considerably more enjoyable to study a phenomenon or a process which resonates with you. The research indicates there is a dramatic rise in the usage of marijuana for medicinal purposes, a trend that results in the assumption that its acceptance for a medication contributes to the acceptance of its usage generally. Hence the problem may not be solved at the same time. Understanding how to compose a research paper thesis is the key step. It is an integral part of any college program. The entire research should be constructed around or from this issue. So even when you're not thrilled about writing a research paper in a necessary course, if you consider your own interests and the way they connect to the class, you will be in a position to chance upon a topic. Understanding how to compose a research paper thesis provides you an upper hand in college. If you're still uncertain about how to compose a thesis statement or what a fantastic thesis statement is, be certain to speak with your teacher or professor to remember to're on the right path. After completing the list, it is going to be less painful to settle on a topic. Marijuana legalization should have strict limitations for preventing teenage usage. Marijuana is one in case the illegal substances that's being used by various people for numerous explanations. Marijuana is a substance you're able to enjoy without the worry of the way that it can hurt you. Marijuana is among the substances that has received plenty of attention in the public domain in the last few years. Cannabis is one of the 50 basic'' plants of Chinese conventional medicine and is advised for a vast range of indications. Marijuana Anonymous is another terrific choice. 5 reasons why marijuana ought to be legalized. The war on marijuana has been happening for quite a long time now. Most of the folks that are already hooked on the drug and cannot afford the high funds that are employed in purchasing it resort to stealing so as to raise the funds. These days, the biggest marijuana usage is in the USA. Thus marijuana is currently the most popular illegal drug in the usa, and the users of which are rising at an alarming speed. The New Fuss About Thesis for Marijuana Research Paper Topics Finding a strong statement for a research work could be an overwhelming job. A thesis statement always goes at the start of the paper. Effective statement creates a terrific impression on a reader. Understanding what makes a great thesis statement is among the significant keys to writing a wonderful research paper or argumentative essay. You will be given a premium quality paper. It's also important to do a little bit of studying to purchase autoflowering seeds of the maximum quality. If you choose a topic that hasn't been featured in a hundred of other research papers, you're likely not just to score a great grade, but additionally to add a valuable part of research to the area of science. When deciding on your research paper topic, you should make certain it is neither boring nor worn out. There's well-known that you aren't going to have the ability to write an excellent insightful research paper if you're not interested in the subject overall and in this issue specifically. A harder task is to compose a marijuana research paper. The next step, obviously, is to really compose the research paper. You might even discover the research process fun and exciting after you begin. The Pain of Thesis for Marijuana Research Paper Topics You must be certain to understand everything clearly once you go for an essay topic. The topic is simply too large to really say something new and meaningful. It should not be old or broad. Even if a specific research paper topic is getting lots of buzz at the moment or other folks seem interested in writing about it, don't feel tempted to make it your topic if you don't genuinely have some type of interest in it also.
Saturday, February 1, 2020
Restructuring in business portfolio or its financing Essay
Restructuring in business portfolio or its financing - Essay Example This company has more than 70 establishments in more than 150 countries worldwide. (gsk.com, 2009) The restructuring of the companyââ¬â¢s portfolio or capital structure can be attributed to the strategic priorities it seeks to undertake. As of 2008, the CEO of this company, Andrew Witty, stated that the GlaxoSmithKline Company had three main strategic priorities. The aim of these was to achieve sturdy growth rates, reduce the level of risk as well as improve the performance (financially) in the long-term operations of the business. According to the CEO, the industry of pharmaceuticals is set to encounter big challenges since there will be an unpredicted number that will lose their patent protection. This, thus, will call for the company to work even harder to fulfill the client demand for brand new types of medicines and those which are better to use. As he states it, the loss of patenting will lead to a number of payers wanting an apt cost-effective kind of healthcare. This pharmaceutical company is therefore setting out to improve the consumers and patientsââ¬â¢ lives, which is in line with the shareholdersââ¬â¢ requirements. He did not go without noting that the industry is faced with a lot of risk and a lower rate of growth to counter the same. Therefore, the companies in context need to seek greater levels of return from their R&D investments. Unique to the expansion of the GlaxoSmithKline Company is its balanced healthcare business-group as well as an overall lesser profile of risks. The aim is, thus, to ensure a better level of discipline in the provision of capital components across the various areas of the companyââ¬â¢s businesses. This company has a future goal of generating sales revenue growth by way of supplementing strength focused on the main small-molecule business of pharmaceuticals. This will also be through new investments in the vaccines area, which is considered to be fast growing, and also the
Friday, January 24, 2020
Bush v Gore :: essays research papers
Bush v. Gore Bush v. Gore was a controversial case that was heard on December 11, 2000. This case decided the outcome of the 2000 presidential election between Vice President Gore and Texas Governor George W. Bush. à à à à à The election took place on Nov 7, 2000. Under our electoral college system each state votes for our new president separately, a winner is then declared in each state and is awarded ââ¬Å"electoral votesâ⬠that is equal to the states number of representatives in the House and Senate. Gore led Bush 266-246 and 270 votes are required for victory. Florida with 25 electoral votes did not have an official winner because the result was inside of the margin of error for machine counting. à à à à à Gore knew the only way to figure this out was to have a manual recount of several counties ballots. As Palm Beach County was recounting its ballots Florida Secretary Harris, a Republican and co-chair of the Florida Bush campaign, officially certified the election for Bush. In reaction to this decision Gore and Palm Beach filed suit against Bush and Harris in Florida Supreme court demanding that the recount should go on. On November 22, Bush appealed to the United States Supreme Court against Palm Beach County Canvassing Board stating the decision was in violation of a federal statute requiring electors to be finished at a given point before the Electoral College met. After many more suits were filed oral arguments in Bush v. Gore were brought before the US Supreme Court on December 11, 2000 by lawyers representing both sides. Due to the nature of the case the court gave its opinion in only 16 hours after hearing the arguments. Bushââ¬â¢s representation questioned that, Does recounts in Florida violate the Equal Protection Clause of the 14th amendment to the United States Constitution? Because all the votes were being counted unevenly, with standards varying from county to county, where recounts in counties where he could have majority were not being conducted. Bush Argued the decision went against the Constitution stating ââ¬Å"nor shall any Stateâ⬠¦. Deny to any person within the equal protection of the laws.â⬠Goreââ¬â¢s representation responded that the Florida Supreme court hade done everything it could to establish equal treatment of both parties, and that requiring all ballots to be treated in the same manner would require a new federal standard for counting votes. Gore also claimed that ending recounts was not a good way to settle this extraordinary dispute.
Thursday, January 16, 2020
Environmental Analysis of Barclays Bank Essay
EXECUTIVE SUMMARY Banks are central to every society; they provide the funding that facilitates business and entrepreneurship, support a sound financial system, and help to create jobs and wealth. Banks in the UK operate in a highly competitive, globalised but lightly-regulated environment. They face increasingly well-informed and ââ¬Ëenergeticââ¬â¢ customers, determined legislators, and electorates who are becoming environmentally aware. They have to adapt to changing economic and market conditions, fast changing consumer needs and expectations. Their business is influenced by global economic, political, regulatory, technological and other unpredictable factors. Consequently, they have to device their strategies, policies and operations to adapt to these changes in order to meet stakeholder expectations and satisfy consumer needs. In this assignment, I try to describe and evaluate changing business environment of Barclays Bank Plc over the last five years. INTRODUCTION About Barclays Bank Plc Barclays is a major global financial services provider engaged in retail banking, credit cards, corporate banking, investment banking, wealth management and investment management services with an extensive international presence in Europe, the Americas, Africa and Asia. Barclaysà Group headquarters is at 1 Churchill Place in London, UK, but it has operations all over the world, with products and services to meet the needs of customers and clients in local markets. With over 300 years of history and expertise in banking, Barclays operates in over 50 countries and employs more than 144,000 people. Barclays moves, lends, invests and protects money for more than 48 million customers and clients worldwide. Organizational structure Barclays is made up of two ââ¬ËClustersââ¬â¢: Global Retail Banking, and Corporate and Investment Banking and Wealth Management, each of which has a number of Business Units. The third major area of the business is Group Centre, which comprises all our essential support functions. UK Banking Industry UKââ¬â¢s banking sector, following the US and Japan, is the worldââ¬â¢s third largest and considered foremost in terms of: efficiency, dynamism and return on capital. In addition to having one of the largest commercial banking industries, the UK is also a major international centre for investment and private banking. The UK banking sectorââ¬â¢s strong international orientation is reflected in the substantial foreign presence and sizeable assets of foreign banks in London. It services 95% of the population with about 3.5% of UKââ¬â¢s workforce ââ¬â over a million workers. Banks and financial services contribute à £70bn to the UKââ¬â¢s national output (6.8% of GDP) and provide 25% of total corporation tax (à £8bn) to the UK Government. The main retail banks provide over 125m accounts, clear 7bn transactions a year and facilitate 2.3bn cash withdrawals per year from its network of over 30,000 free ATMs. Banks in the UK contribute well over à £100m per year to charities and local community initiatives. UK banks are authorised and regulated by Financial Services Authority under the Financial Services and Markets Act 2000 (FSMA). Financial Services Authority is an independent non-governmental body which exercises statutory powers under the FSMA. The FSMA requires the FSA to pursue four objectives: to maintain confidence in the UK financial system; to promote public understanding of the financial system; to secure an appropriate degree ofà protection for consumers whilst recognizing their own responsibilities; and to reduce the scope for financial crime. Banks of England is responsible for maintaining overall stability of the financial system a whole. The Bank sets interest rates of UK and is also responsible for identifying and limiting systemic financial risk. ANALYSIS Barclays bank operates almost all over the world and hence its actions are influenced by the global economic conditions. I have used PESTEL framework to describe and evaluate business environment of Barclays Bank plc. It categorises environmental factors into six main types: political, economic, social, technological, environmental and legal. Political * Government stability * Taxation policy * Foreign trade regulations * Social welfare policies Economic factors * Business cycles * GNP trends * Interest rates * Money supply * Income distribution * Social mobility * Lifestyle changes * Attitudes to work and leisure * Consumerism * Levels of education Technological * Government spending on research * Government and industry focus on technological effort * New discoveries/development * Speed of technology transfer * Rates of obsolescence Environmental * Environmental protection laws * Waste disposal * Energy consumption Legal * Monopolies legislation * Employment law * Health and safety * Product safety The change in the business environment of Barclays bank Economic factors The collapse of a global housing bubble, which peaked in the U.S. in 2006, caused the values of securities tied to real estate pricing to plummet thereafter, damaging financial institutions globally. Questions regarding bank solvency, declines in credit availability, and damaged investor confidence had an impact on global stock markets, where securities suffered large losses during late 2008 and early 2009. Economies worldwide slowed during this period as credit tightened and international trade declined. Governments and central banks responded with unprecedented fiscal stimulus, monetary policy expansion, and institutional bailouts. The subsequent emergence of a wider set of credit problems ââ¬â in mortgages and in corporate lending, and in particular in commercial real estate ââ¬â generated credit capacity constraints and economic slowdown. An initial focus on funding problems, with the failure of Northern Rock caused not by immediately evident solvency/credit quality problems, but by the drying up of the market for both securitised credit assets and wholesale funding availability. Such funding issues were also critical to the problems of Bradford & Bingley and HBOS in September/October 2008. The UK economy was officially declared to be in recession on 6th May 2009. The Office of National Statistics said that Gross domestic product (GDP) fell by 1.5% in the last three months of 2008, after a 0.6% contraction inà the previous quarter. Recession is generally defined as two quarters of successive contractions in GDP, which means the UK had been in recession since July 2008. Industrial production fell by a massive 3.9 per cent over the quarter, while the dominant services sector fell by one per cent. Unemployment had also risen to 2.47 million in the three months to July 2009. It was at its highest level in 14 years since May 1995. The UK economy came out of recession in 2010, after figures showed it had grown by 0.1% in the last three months of 2009. In the second week of January 2010, UK unemployment fell for the first time in 18 month. The UKââ¬â¢s production and service sectors each grew by 0.1% during the quarter. The UK recession began in the April-to-June quarter of 2008, and was the longest UK recession on record. During 18 months of recession, public borrowing increased to an estimated à £178bn, while output slumped by 6%. Impact on Barclays Bankââ¬â¢s performance Barclays announced record profits of more than à £11 billion for 2009 ââ¬â a 92% rise on the previous year. Its performance driven largely by a strong revival in its investment banking arm Barclays Capital. Profits were also boosted by sale of fund management business Barclays Global Investors, and the addition of the New York operations of failed investment bank Lehman Brothers at the end of 2008. The BGI sale added à £6.3 billion to pre-tax profits. Barclays Capital contributed à £2.5 billion of the bankââ¬â¢s underlying profit of à £5.3 billion which was 13% down on 2008ââ¬â¢s à £6 billion. However, the bankââ¬â¢s profit was highly affected by the global economic slowdown and deteriorating economic conditions in the UK. Its UK Retail Banking profit before tax in 2009 decreased 55% (à £757m) to à £612m (2008: à £1,369m), impacted by low interest rates resulting in margin compression on the deposit book and increased impairment charges which together more than offset well controlled costs and an improved assets margin. Impairment charges rose to à £974m (2008: à £414m), reflecting the impact of the economic recession across the business with continued pressure on corporate liquidity, rising default rates and lower asset values. Barclays enforced strict criteria on new credit card applications, using aà scoring system that takes over 400 variables into account when assessing an applicantââ¬â¢s likely ability to manage their credit. Around 50% of applications for credit cards are declined as a result. Strong income growth (2009) across the portfolio driven by increased lending, improved margins and foreign exchange gains, was offset by higher impairment charges, driven by the deterioration in the global economy. Impairment charges in the international businesses increased à £444m, driven by higher delinquencies due to deteriorating economic conditions. UK portfolio charges were higher as a result of rising delinquencies due to the economic deterioration, especially in the loan portfolios, and the inclusion of Goldfish in UK Cards. The impairment charge in Global Retail and Commercial Banking increased by 85% (à £2,473m) to à £5,395m (2008: à £2,922m) as charges rose in all portfolios, reflecting deteriorating credit conditions across all regions. Impairment charges on loans and advances increased 50% (à £2,445m) to à £7,358m (2008: à £4,913m). The increase was primarily due to economic deterioration and portfolio maturation, currency movements and methodology enhancements, partially offset by a contraction in loan balances. In Investment Banking and Investment Management, impairment was broadly unchanged at à £1,949m (2008: à £1,980m). The impairment charge against available for sale assets and reversed repurchase agreements increased by 41% (à £207m) to à £713m (2008: à £506m), driven by impairment against credit market exposures. Political During 2008, the UK government acted in the banking sector to recapitalise banks and guarantee toxic assets and deposits and new lending for essential infrastructure programmes. This was essential to shore up lending for consumers and businesses and restore confidence in banks. Also it was vital to avoid the unprecedented banking crisis having even more wide reaching and catastrophic effects in the wider economy. This decision was not taken lightly and wasnââ¬â¢t considered an easy ride for the banks. Banks wishing toà participate in the Asset Protection Scheme for example had to make additional lending to households and businesses. But the overarching priority in the banking sector was first to ensure the continuing supply of credit to the wider economy. This means returning the banks to solvency and profitability, and maintaining financial stability. On 13th October 2008, the government nationalised the Royal Bank of Scotland (RBS), taking up a 63 % stake in exchange for à £20 billion of taxpayersââ¬â¢ money (now 84% owned by the government) on condition that no executive bonuses paid during 2008; no dividend until the governmentââ¬â¢s à £5bn of preference shares are repaid and the government appointed three directors; RBS had to maintain mortgage lending at 2007 levels. On 31st October 2008, Business secretary Lord Mandelson waived competition law for takeover of Lloyds TSBââ¬â¢s takeover of Halifax Bank of Scotland creating the fourth biggest bank of Britain to calm uncertainty about the strength of HBOS after a run on its shares. The combined bank accounts for a third of the mortgage market. Although the merged bank is smaller than Barclays, HSBC and Royal Bank of Scotland, because it has less of an international profile than the other banks, it is the market leader ââ¬â in terms of savings ââ¬â by a huge margin. In order to shore up confidence in the banking system during 2008, the government injected money into Lloyds TSB Bank (à £5.5bn) and HBOS (à £11bn) and became owner of 43.5% of the combined group, directors were asked to receive 2008ââ¬â¢s bonus in shares; no dividend until preference shares are repaid; government appointed two directors; Lloyds asked to maintain mortgage lending at 2007 levels for next three years. As the Financial Services Authority increased the capital ratio requirements for all UK banks, Barclays had been forced to raise à £7.2 billion from Middle Eastern Investors on generous terms. A further à £1.5bn was being raised from institutional investors to strengthen its balance sheet. Chancellor Alistair Darling introduced a temporary one-off super-tax of 50% on bankersââ¬â¢ bonuses paid above à £25000 between December 2009 and April 2010. Bankers still had to pay income tax on any bonus they receive as usual. Theà new tax was designed to discourage banks from awarding large bonuses to employees in the wake of the major taxpayer support they have received in the financial crisis. Consequently, Barclays paid à £225 million in windfall bonus tax for 2009. Sociocultual According to British Retail Consortium (BRC), more people are using cash to pay for their purchases amid growing consumer concerns about how much money they are spending. The global credit crunch is causing consumers to be more cautious with their money. Figures from the organisation showed that cash was used for 60 per cent of all transactions during 2008, an increase of 54 per cent from 2007. Cash represented 34 per cent of all money spent in the retail sector during 2008, compared with 32 per cent in 2007. According to BRC, peopleââ¬â¢s enthusiasm for using cards is slipping as they are not only reluctant to borrow but also reluctant to use cards. A survey released on 22nd January 2009 by communications consultants Cohn & Wolfe revealed the full scale of UK consumersââ¬â¢ anger with financial institutions. UK consumers perceive their banks to be ââ¬Ëgreedyââ¬â¢ and ââ¬Ëimpersonalââ¬â¢, according to the survey, which polled 852 consumers in January 2009. The study also revealed that 60% of consumers donââ¬â¢t believe that their bank is looking after their best interests. When asked which words best describe the perception of their financial institution, consumers identified ââ¬Ëgreedyââ¬â¢ (49%), ââ¬Ëimpersonalââ¬â¢ (36%) and distant (34%). Positive and desired descriptions including ââ¬Ëethicalââ¬â¢ (2%), ââ¬Ëtrustworthyââ¬â¢ (4%) and ââ¬Ëtransparentââ¬â¢ (5%) were among the least common terms used by consumers to describe their financial institutions. Almost two thirds (64%) of respondentsââ¬â¢ trust in financial institutions had weakened over the last 18 months. A lack of confidence in banks was further emphasized with 74% of consumers saying that they do not believe that their bank would help them recover any money they had lost in 2008. Respondents also identified the financial services they trusted most. Retail banks were comfortably (59%) the most trusted type of financial service. At the other end of the scale, investment broker (2%), insurance providers (5%), online financial service providers and supermarketà retailers (both 6%) come off worst. Due to such negative attitude towards banking industry and intense public interest and concern for banks and bankersââ¬â¢ pay, Barclays chief executive John Varley and president Bob Diamond both agreed to sacrifice bonuses for two years, 2008 and 2009. Technological In late 2004, Chip & PIN technology was introduced as a strategic response to tackle counterfeit and lost & stolen card fraud in the face-to-face environment. Up until this point, UK consumers signed for their goods and services and only used their PIN for ATM withdrawals. During 2007, Barclays sent out ââ¬ËPIN sentryââ¬â¢ machines to over half a million customers in an attempt to prevent online banking fraud. The PIN sentry reader is meant to be used once an online account holder has logged in to the banking site. After logging in, customers slot their bank debit card into the card reader, which generates a unique code which they must input before making a transaction. Also, retailers and banks are using more fraud screening detection tools and online fraud prevention tools, such as MasterCard SecureCode and Verified by Visa, which make cards more secure when people are shopping online. This led to phone, internet and mail order fraud losses falling 19 percent from à £328.4 million in 2008 to à £266.4 million in 2009. Environmental Climate change has become the single biggest challenge the world faces at the beginning of the 21st century, and in response Barclays is focusing increasingly on its work on the environment, which includes both its direct and indirect impacts. Barclays remains committed to increasing its energy efficiency, and reducing its carbon footprint on an ongoing basis, as well as helping its supply chain reduces its emissions. In 2007, it invested in emissions trading capability, and moved into the consumer market with new lower-carbon products and services. An example is Barclaycard Breathe, a new card that gives consumers incentives when they buy green products, and donates half its profits to environmental projects. In the wholesale market Barclays Capital has committed to the EU emissions trading market to brings its full range of commodity trading and risk management expertise to bear to help clients manage their carbon risk. Since 2005 it has traded over 600 million tonnes of carbon credits, with a notional value of over $14 billion. Legal factors The global financial crisis resulted in a significant tightening of regulation and changes to regulatory structures globally. The changes in the legal framework, policies and banking regulatory action, have an impact on Barclaysââ¬â¢ businesses and earnings. The market for payment protection insurance (PPI) has been under scrutiny by the UK competition authorities and financial services regulators. In 2006, the FSA published the outcome of its broad industry thematic review of PPI sales practices in which it concluded that some firms fail to treat customers fairly and that the FSA would strengthen its actions against such firms. Barclays voluntarily complied with the FSAââ¬â¢s request to cease selling single premium PPI by the end of January 2009. On 21st February, the UK government introduced Banking Act 2009 which provides the Authorities with tools to deal with failing banks and building societies. The Banking Act provides a permanent and appropriate regime for the resolution of failing banks. It is a major step forward in the Governmentââ¬â¢s programme to strengthen stability and confidence in the UK banking system, in the wake of the global instability experienced by financial markets. In order to discourage excessive risk taking by large banks, FSA published its new Remuneration Code of Practice in August 2009. The code states that firms should not encourage risk taking to generate short-term profit ââ¬â the focus should be on long term success. It required firms to give pay details to FSA so that it can monitor compliance. Barclaysââ¬â¢ discretionary pay awards for 2009 were fully compliant with the FSA Remuneration Code which resulted in an increase in the deferred awards by approximately 70% and greater use ofà equity in deferral structures, particularly to senior staff. 100% of the discretionary pay awards for 2009 to its Executive Committee were deferred. RECOMMENDATION From previous chapters it becomes clear that Barclays bank operates in unpredictable and volatile business environment. In such circumstances, it is highly recommended that it should be clear about its strategic framework for the coming years and should maintain a sound financial and organisational footing that anticipates and adapts to the regulatory changes. It can achieve superior growth by diversifying its profit base by geography and by business line. It should focus intensely on cost reduction and risk management. It is required to create the internal framework, processes and culture to respond rapidly to new opportunities, threats and regulations. It is also required to re-establish trust and relationship with customers by fulfilling their needs with product innovation and customer centric approach. CONCLUSION The global economic slowdown and subsequent recession in UK and in many other countries of the world have changed the business environment in substantial way. Barclays Bank operates in a business environment which is highly influenced by political, economical, sociocultural, technological, environmental and legal factors. In order to compete successfully, it has to adapt to changing business environment. Its performance in last five years shows that it has the ability to run the business profitably even in such deteriorating economic conditions where other players in the market struggled to survive. However, it needs to undertake a balanced set of strategic initiatives in such unpredictable and extreme volatile business environment which is beyond the organisational control. REFERENCES * Exploring Corporate Strategy, text and cases, sixth edition (2002) by Gerry Johnson and Kevan Scholes * http://en.wikepedia.org * http://www.fsa.gov.uk/pubs/other/turner_review.pdf * http://www.thisismoney.co.uk/news/article.html?inarticle_id=469739&in_page_id=2#ixzz0lIhv4NoL * http://news.bbc.co.uk/2/hi/business/8479639.stm * http://www.myoffshoreaccounts.com/english/offshore_uk-banking-uk-bank-account * http://group.barclays.com/About-us/Barclays-at-a-glance/Key-facts * http://group.barclays.com/Investor-Relations/Shareholder-information/Annual-Reports * http://en.wikipedia.org/wiki/Financial_crisis_of_2007%E2%80%932010) * www.moneyshop.co.uk/â⬠¦/brc-credit-crunch-leading-to-cash-comeback.html * http://www.gciuk.com/en/news/banking-blues-uk-survey-says-consumers-lose-trust * http://www.hm-treasury.gov.uk/press_16_09.htm * http://www.telegraph.co.uk/finance/personalfinance/consumertips/banking/6267384/Online-banking * http://econsultancy.com/blog/1065-barclays-uses-chip-and-pin-to-combat-online-fraud
Wednesday, January 8, 2020
Social Work Values And Ethics - 1441 Words
Running head: Social Work Values and Ethics 1 Social Work Values and Ethics Unique to the Profession Jessica A. Rosario Arizona State University Social Work Values and Ethics 2 Abstract The history and evolution of social work dates to the late 1800ââ¬â¢s. Since the profession was recognized many concerns arose regarding the values and ethics of social workers. The key points of the NASW Code of Ethics, the CSWE Educational Policy and Standards, and HIPAA will be summarized. Some of the most challenging ethical issues facing social workers and the social work profession today, have been explored. The core values of theâ⬠¦show more contentâ⬠¦The CSWE ensures that social workers are educated and competent in the field of social work. It serves as a guideline for social work educators. The (CSWE) uses the Educational Policy Act Standards (EPAS) to accredit baccalaureate and masterââ¬â¢s level social work programs. EPAS supports academic excellence by establishing thresholds for professional competence (CSWE, 2015). Social Work Values and Ethics 4 Ethical issues in general, regardless of the profession or field one is in are inevitable. Social workers understand the value base of the profession and its value base of the profession and its ethical standards, as well as relevant laws and regulations that may impact practice at the micro and macro level (Segal, 2016). Although social workers are trained and understand ethical standards does not prevent them to one-day face ethical issues. According to (Reamer, 2014) we have embarked on a new period, one which few of us, he suspected, could have anticipated. Todayââ¬â¢s social workers can provide services online or via video counseling or text messages to clients they never meet in person. They may receive Facebook friend request from clients or former clients that lead to boundary challenges. These boundary challenges as Reamer categorizes them are part of what he calls the Digital period. ââ¬Å"Issues steadily ari se even among segments of the population that one would expect toShow MoreRelatedValues Ethics in Social Work 1298 Words à |à 6 Pagesprofessional values in the ââ¬ËBritish Association of Social Workââ¬â¢ (BASW). With this the concepts of ethics and how this operates in social work practice and analyse the general role in governing and representatives bodies in social work practiceâ⬠. Values are described as set of rules and guides in the right and wrong decisions we make. Values facilitates the decisions in recognising what is worthy and valuable, with this, weighs out the important and less important, when there is a conflict of values. EthicsRead MoreValues And Ethics Of Social Work904 Words à |à 4 Pages Values and ethics are important in the field of social work because they serve as guidelines for behavior and conduct. What is social work exactly? 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There are three sections associated with this competency ââ¬Å"Social workers should understand culture and its function in human behavior and societyRead More Social Work Values, Principles and Ethics Essay2113 Words à |à 9 PagesSheafor, 2008). Even though Canadians views are beginning to change about the GLBT population, ââ¬Å"this population still faces oppression, discrimination, and internalize homophobia, and marginalization which may result in poor physical, emotional and social well beingâ⬠(Morrow, 2004). While heterosexual are surrounded with positive role models and an abundance of images regarding sexual expression, the GLBT population may have difficulty finding support and positive images, especially when their communitiesRead MoreMy Personal Values: Professional Ethics Are the Foundation of Social Work1798 Words à |à 7 PagesA career in Social Work requires conviction to personal values that reflect and uphold the National Association of Social Workers (NASW) Code of Ethics. Professional ethics are the foundation of social work, as the trade has an innate obligation to endorse ethical principles and basic values to advocate for the wellness of others. The core values adopted by all social workers, as distinguished by NASW, are service, social justice, dignity and worth of the person, importance of human relationshipsRead MoreAn in-Depth Study of Ethics and Values Within Social Work; Domestic Violence1804 Words à |à 8 PagesAn in-depth study of ethics and values within social work; domestic violence | Social Work Report | Gavin Simpson | Abstract: Introduction: Short term aim: Raise awareness for current and future social workers about the ethical dilemmas they face whilst dealing with domestic abuse cases. I also aim to complete this assignment for the purposes of completing an Access to Social Work Diploma. Long term aim: Bring this subject to the attention of social workers who are likely to face
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