Free Essays on Bank Merger

Abstract This paper discusses the bank merger between Memphis based National Bank of Commerce (National Commerce Financial-Holding Company) and Sun Trust Bank (Sun Trust, Inc. –Holding Company). This paper does not seek to present evidence in support or against the merger. It merely supplies a review of each institution and an educated prediction of resulting entity. This paper relies on information mostly gained from marketing and/or literature from each perspective bank’s web site, brochures or other sales mediums rather than data validated by an independent third party. Overall, we stress that while economy of scale provides the financial stability necessary for the entities to compete in today’s financial markets in the US and globally, there remains a need for Memphis-based â€Å"community champions† which are directly focused on serving the needs of local consumers. Introduction Some analysis today suggests that one the causes of the Great Depression in the U.S. was bank over competition. This was solved in part through the passing of the Glass-Steagall Act, which forced financial firms to choose between wholesale and retail banking also called Money Centers, and the 1928 McFadden Act which prohibited interstate banking. Though this restrictive environment was meant to diminish competition, it resulted in the growing interest of bank mergers amongst large banks. This occurred when the Money-center banks began shifting focus from consumers to large deposits. This trend grew so prevalent that money-center banks started fighting with the Federal Reserve in the 1960s over their ability to access purchased funds through the newly created deposit instruments such as negotiable CDs. The fight ended with the large banks gaining unimpeded access to large deposits, both in the US and Europe. The competition resulted in a buyers market where high interest rates were aggressively offered. High interest rates... Free Essays on Bank Merger Free Essays on Bank Merger Abstract This paper discusses the bank merger between Memphis based National Bank of Commerce (National Commerce Financial-Holding Company) and Sun Trust Bank (Sun Trust, Inc. –Holding Company). This paper does not seek to present evidence in support or against the merger. It merely supplies a review of each institution and an educated prediction of resulting entity. This paper relies on information mostly gained from marketing and/or literature from each perspective bank’s web site, brochures or other sales mediums rather than data validated by an independent third party. Overall, we stress that while economy of scale provides the financial stability necessary for the entities to compete in today’s financial markets in the US and globally, there remains a need for Memphis-based â€Å"community champions† which are directly focused on serving the needs of local consumers. Introduction Some analysis today suggests that one the causes of the Great Depression in the U.S. was bank over competition. This was solved in part through the passing of the Glass-Steagall Act, which forced financial firms to choose between wholesale and retail banking also called Money Centers, and the 1928 McFadden Act which prohibited interstate banking. Though this restrictive environment was meant to diminish competition, it resulted in the growing interest of bank mergers amongst large banks. This occurred when the Money-center banks began shifting focus from consumers to large deposits. This trend grew so prevalent that money-center banks started fighting with the Federal Reserve in the 1960s over their ability to access purchased funds through the newly created deposit instruments such as negotiable CDs. The fight ended with the large banks gaining unimpeded access to large deposits, both in the US and Europe. The competition resulted in a buyers market where high interest rates were aggressively offered. High interest rates...

The Sinai Peninsula From Ancient Times to Today

The Sinai Peninsula From Ancient Times to Today Egypts Sinai Peninsula, also known as the Land of Fayrouz meaning turquoise, is a triangular formation at the northeastern end of Egypt and the southwestern end of Israel, it looks like a corkscrew-like cap at the top of the Red Sea and forms a land bridge between the Asian and African land masses. History The Sinai Peninsula has been inhabited since pre-historic  times and has always been a trade route. The peninsula has been a part of Egypt since the First Dynasty of ancient Egypt, circa 3,100 B.C., although there have been periods of foreign occupation over the past 5,000 years. Sinai was called Mafkat or country of turquoise by the ancient Egyptians, which was mined in the peninsula. In ancient times, like its surrounding regions, it has been the treadmill of evaders and conquerors, including, according to biblical legend, the Jews of Moses Exodus escaping Egypt and the ancient Roman, Byzantine and Assyrian Empires. Geography The Suez Canal and the Gulf of Suez border the Sinai Peninsula to the west. Israels Negev Desert borders it to the northeast  and the Gulf of Aqaba laps at its shores to the southeast. The hot, arid, desert-dominated peninsula covers 23,500 square miles. Sinai is also one of the coldest provinces in Egypt because of its high altitudes and mountainous topographies. Winter temperatures in some of Sinais cities and towns can dip to 3 degrees Fahrenheit. Population and Tourism In 1960, the Egyptian census of Sinai listed a population of about 50,000. Currently, thanks in large part to the tourism industry, the populations is currently estimated at 1.4 million. The peninsulas bedouin population, once the majority, became the minority. Sinai has become a tourist destination due to its natural setting, rich coral reefs offshore and biblical history. Mount Sinai is one of the most religiously significant places in the Abrahamic faiths. Rich in pastel cliffs and canyons, arid valleys and startling green oases, the desert meets the sparkling sea in a long string of secluded beaches and vivid coral reefs that attract a wealth of underwater life, wrote David Shipler in 1981, The New York Times bureau chief in Jerusalem. Other popular tourist destinations are St Catherines Monastery, which is considered to be the oldest working Christian monastery in the world, and the beach resorts towns of Sharm el-Sheikh, Dahab, Nuweiba and Taba. Most tourists arrive at Sharm el-Sheikh International Airport, through Eilat, Israel, and the Taba Border Crossing, by road from Cairo or by ferry from Aqaba in Jordan. Recent Foreign Occupations In periods of foreign occupation, the Sinai was, like the rest of Egypt, also occupied and controlled by foreign empires, in more recent history the Ottoman Empire from 1517 to 1867   and the United Kingdom from 1882 to 1956. Israel invaded and occupied Sinai during the Suez Crisis of 1956 and during the Six-Day War of 1967. In 1973, Egypt launched the Yom Kippur War to retake the peninsula, which was the site of fierce fighting between Egyptian and Israeli forces. By 1982, as a result of the Israel–Egypt Peace Treaty of 1979, Israel had withdrawn from all of the Sinai Peninsula except the contentious territory of Taba, which Israel later returned to Egypt in 1989.

Analysis of U.S. Service Sector Grows Slow Essay

Analysis of U.S. Service Sector Grows Slow - Essay Example Many companies in the service sector are highly dependent on their marketing efforts to achieve further growth. Many experts are worried about the deceleration in growth in the service sector. Carl Leahey, a senior Economist at Senior Economist stated, â€Å"This survey shows a slow-moving service sector. That is pretty much in line with the market sense that though the economy has improved, it is still not growing very quickly† (Bond, 2011). Despite the worries of many scholars about the service sector there are other signs that showed major improvement in the U.S. economy such as the latest unemployment figures which showed a national unemployment rate of 8.6%. The labor market is finally growing. These are great news for all Americans as employers should be aggressively recruiting new personnel. The total exports in the U.S are also on the rise. Exporting is one of the primary expansion strategies used by marketers. The inventories of many companies are moving from contract ion to expansion. The movement of merchandise from the United States to other countries is a great sign. Most companies in today’s marketplace cannot survive by using solely a domestic strategy. International expansion is one of the most effective ways marketers are able to achieve growth. Despite slight decline in the service sector other important sectors such as the manufacturing industry showed positive signs. The ISM manufacturing report showed factory activity rising more strongly than expected in November. Some critical industries such as the auto industry showed tremendous results with a rise of 2.3% in comparison with the previous month. The Big 3 auto companies have been able to attract many customers due to their new innovative designs and fuel efficient vehicles. People are looking for value in their car purchases more than ever before. Despite the growth in manufacturing activity the commerce department claimed that the sales of overall manufacturing goods fell b y 0.4% in November. One of the sectors that showed continued growth during the past three months is the sale of durable goods. This article showed a lot of information regarding the economy of the United States and it emphasize in the importance of the service sector. Due to the importance of service jobs the United States as a whole has to do a better job of marketing its service industry. The U.S. has the potential to achieve a lot of growth by exporting services to other nations. There are many ways to increase the amount of service exports. One of the best ways is to take advantage of tools that have become available due to the rise of the broadband age. In 2010 U.S. ecommerce sales generated $152.1 billion and it is expected to rise to $223.9 billion by the year 2014 (Plunkett Research, 2011). Many services such as business consulting, technical support and engineering services could be exported easily with the help of the internet. The U.S Chamber of Commerce has to become mor e proactive in their initiatives in order to market better the services that the United States can offer to the rest of the world. In 2010 the United States was the world’s top exporter of services with $515 billion (Latimes, 2011). Despite this fact the U.S. still has a lot of room to grow considering the fact that 80% of the U.S economy is based on the service industry. It is also interesting to know that he

Application of International Law Essay Example | Topics and Well Written Essays - 1000 words

Application of International Law - Essay Example tive partnership that has yielded profits for both partners and they may likely want to continue fostering and developing their business oriented venture. Therefore, the laws governing arbitration are very important. According to Jenkins et al., in the U.S for instance, arbitration laws are governed by a number of sources ranging from the constitution, appellate courts’ decisions, international treaties and others. However, the most relevant law governing arbitration in the U.S is the Federal Arbitration Act, which stresses the importance of arbitration agreements by placing them on equal footing with other contractual agreements. The FAA reviews almost all arbitration agreements in the U.S using one judicial review standard for both local and international jurisdictions (Jenkins, 2006). The Act ‘s core purpose is to mandate courts to foresee the enforcement of contractual agreements relating to disputes in an arbitration, regardless of whether there are legislative efforts by the state department to curtail the enforcement of the agreements made in the arbitration. This further supplements the supremacy of arbitration agreements on par with other contractual agreements. In addition, arbitration is also governed by the Panama Convention (1990), the North American Free Trade Agreement, the New York Convention (1958) and the Uniform Arbitration Act. According to Jenkins et al., arbitration in Russia is governed by the German-Roman civil laws, which place more focus on legal codes rather than on court precedents and regulations. When settling disputes in arbitration, the arbitrator relies on general codes of provision to settle disputes and conflicts. Specifically, in matters relating to commercial arbitration on an international level, Russia is governed by the Federal Law of 1993, which enforces arbitration agreements between partnerships where one party is a Russian company with foreign participation (foreign direct investments). However, disputes like

Similarties and Differences Essay Example for Free

Similarties and Differences Essay Every day in real life we go through a many struggles ranging from man vs. man, man vs. himself and even man vs. nature. The most common struggle we all face is that of man versus man. In the short stories â€Å"Cathedral† by Raymond Carter and Ernest Hemmingway’s â€Å"A Clean Well-Lighted Place† the main principal of the story is that of man versus man. In both short stories 3 characters are used, but in each story each character is completely different than the other. â€Å"Cathedral† and â€Å"A Clean Well-Lighted Place† share similarities and differences with the main principal of man versus man and the reasoning behind why one man is against the other. Both stories also share similarities and differences in their setting and the most significant differences both stories have is the resolution. In â€Å"Cathedral† and â€Å"A Clean Well-Lighted Place† 3 main characters are used. In each story, one character is the antagonist (the man going against the other) and the protagonist. In â€Å"Cathedral† the main characters are the wife, the husband, and Robert. The husband is the antagonist while Robert is the protagonist. In â€Å"A Clean Well-Lighted Place† the three main characters are a customer who is an old man, a young waiter and older waiter. The younger waiter is the antagonist in while the old man is the protagonist. Both stories share the similarities between their characters that the protagonist and antagonist are both men. Robert in â€Å"Catherdral† is a friend of the antagonist’s wife and that Robert is blind. The old man in â€Å"A Clean Well-Lighted Place† is the protagonist, who the other characters and reader know nothing about other than the fact that he is old. In both stories, the wife and the older waiter both try the protagonist. The first line in â€Å"Cathedral† is â€Å"This blind man, an old friend of my wifes, he was on his way to spend the night†. The wife knows the blind man and is friends with him. In â€Å"A Clean Well-Lighted Place† the younger waiter is angry because he doesn’t understand why the old man won’t go home to which the older waiter replies â€Å"‘He stays up because he likes it. ’ While the characters are similar and different in each story the main conflict of Man versus Man is another point that each story shares similarities and differences. In both â€Å"A Clean Well-Lighted Place† and â€Å"Cathedral† the central issue and reasoning behind the conflict of man versus man is addressed. In each story one main character is against another, both have similar and different reasons of why. In both stories the major conflict of man versus man happens because the antagonist does not fully understand the protagonist. In â€Å"Cathedral† the husband is against Robert because he does not know how to act around Robert because Robert is blind. The husband has never had to encounter a blind person before and doesn’t wish to. A excerpt from â€Å"Cathedral† shows exactly how the husband feels of Robert’s visit: â€Å"I wasnt enthusiastic about his visit. He was no one I knew. And his being blind bothered me†. There shows the main reasoning of why the husband is against Robert. In â€Å"A Clean Well-Lighted Place† the younger waiter is against the old man because he is tired and wants to go home. The younger waiter doesn’t understand why the old man is still at his cafe so late. The younger waiter also doesn’t like the old man because of his age; he tells the older waiter â€Å"’I wouldnt want to be that old. An old man is a nasty thing. ’ Also throughout the story the younger waiter is talking of how the old man tried to commit suicide and how he doesn’t understand why. The younger waiter is making assumptions about the old man throughout the story and finally kicks him out of the cafe. The reasoning that the younger waiter is against the old man is that he doesn’t understand the actions of the old man and doesn’t want to. Both stories share that in common, that the antagonist does not understand and does not want to get to know the protagonist. Both stories share similarities between man versus man and the reasoning behind this conflict. â€Å"Cathedral† and â€Å"A Clean Well-Lighted Place† also share similarities and differences between their settings. Both â€Å"A Clean Well-Lighted Place† and â€Å"Cathedral† take place at night time. The first line in â€Å"A Clean Well-Lighted Place† is: â€Å"It was very late and everyone had left the cafe except an old man who sat in the shadow the leaves of the tree made against the electric light†. In â€Å"Cathedral† the story starts around dinner time and goes into the night. Although both stories take place at night time- both stories have tremendously different places. In â€Å"Cathedral† the story takes place in the wife husband’s house. In â€Å"A Clean Well-Lighted Place† the story takes place at a small cafe. Neither one of the stories gives a town’s name for the reader to associate the story with. Also, neither story gives too many details about the place of the story. The only indication of how the cafe was in â€Å"A Clean Well-Lighted Place† was when the older waiter said â€Å"†¦ This is a clean and pleasant cafe. It is well lighted†. Both stories share the similarity in setting because of the stories taking place at night time. Both stories are different in the setting because of the fact that one takes place in a house, and the other takes place in a cafe. Although both short stories share their similarities with the characters, the main conflict and the setting- both stories have a very different resolution. In â€Å"A Clean Well-Lighted Place† the younger waiter, the antagonist, eventually kicks out the old man, the protagonist. The older waiter then tries to talk to the younger waiter about how the cafe can be a place of peace for certain people, regardless of the time. The younger waiter doesn’t want to have that conversation; he just wants to go home. The younger waiter is selfish and if it doesn’t benefit him, he doesn’t want anything to do with it. In â€Å"Cathedral† the husband, the antagonist, eventually gets to know Robert, the protagonist. Towards the end of the story Robert and the husband share some stories, share some laughs. As the husband and Robert are watching television, Robert asks the husband to try to explain what a Cathedral looks like. When the husband can’t explain to Robert what a cathedral looks like, Robert has the husband draw a cathedral while Robert’s hand is on the pen being used also. Then Robert tells the husband to close his eyes and keep drawing, and the husband does. The last line in â€Å"Cathedral† was the husband saying ’Its really something,’. This last line shows that the husband finally understands that although Robert is blind, that Robert can still experience things just as well as him. The resolution in â€Å"A Clean Well-Lighted Place† was the fact that the younger waiter got to go home, but the younger waiter didn’t take anything away from his experience meaning the conflict he has with the old man is still on going. In â€Å"Cathedral† the husband eventually stops the conflict of man versus man when he finally realizes that Robert is just like him. The short stories â€Å"Cathedral† by Raymond Carter and â€Å"A Clean Well-Lighted Place† by Ernest Hemmingway both share similarities and differences. When the similarities are pointed out the two stories seem to run parallel with each other: man versus man, 3 characters and the setting. But, when the differences in the details of man versus man, the three characters and the setting are pointed out it is easy to see these stories have completely different plots and twists. The major difference between both stories is the resolution. Both stories show similarities and differences within each.

Slavery During the Enlightenment and the Frech Revolution :: History Historical Slaves Enlightenment Essays

There were many views of the issue of slavery during the Enlightenment and the French Revolution, and the resolution of slavery affected economics, politics, and social order. The slave trade triangle between Europe, west Africa, and the Indies has a great affect on European economics during this time. The only way for this elaborate trade triangle to work is if there were black Africans available for export to the Indies as slaves. If they were not available, then the landowners in the new world weren't able to produce the sugar, coffee, and tobacco for export to Europe, and the circuit broken. These African slaves were convenient, according to Guillaume Raynal (document 6), because they were thought to be more comfortable working in the hot conditions of the Indies, because they had originally come from a very hot climate in Africa. In order to make the best use of the land, more efficient workers would be needed, and hence the slaves. The issue of slavery has extensive impacts on French politics during the Enlightenment and the revolution. Many colonists and landowners were confused over the appliance of The Declaration of Rights of Man to slaves and blacks (document 13). If it did apply to them then slavery would be abolished, which (according to document 10) would cause the colonies to loose commerce, essentially destroying them because French colonists had only profits from their trade to live on. Those who were against slavery (documents 9, 15) used The Declaration of Rights of Man as their main source, in that it declared equal rights to all men, not just to white men. Slavery affected European society also in many ways. Generally, in terms of European society, most people were against slavery, on the grounds that African slaves were people too, and they deserved the same basic rights declared in The Declaration of the Rights of Man. Most suggested the question of why blacks only were enslaved, sighting that skin color made no difference in the person (document 7). Others, like Voltaire, said that the luxuries that Europe now enjoyed, like sugar, cocoa, coffee, and tobacco, were not really sufficient to gratify the enslavement Slavery During the Enlightenment and the Frech Revolution :: History Historical Slaves Enlightenment Essays There were many views of the issue of slavery during the Enlightenment and the French Revolution, and the resolution of slavery affected economics, politics, and social order. The slave trade triangle between Europe, west Africa, and the Indies has a great affect on European economics during this time. The only way for this elaborate trade triangle to work is if there were black Africans available for export to the Indies as slaves. If they were not available, then the landowners in the new world weren't able to produce the sugar, coffee, and tobacco for export to Europe, and the circuit broken. These African slaves were convenient, according to Guillaume Raynal (document 6), because they were thought to be more comfortable working in the hot conditions of the Indies, because they had originally come from a very hot climate in Africa. In order to make the best use of the land, more efficient workers would be needed, and hence the slaves. The issue of slavery has extensive impacts on French politics during the Enlightenment and the revolution. Many colonists and landowners were confused over the appliance of The Declaration of Rights of Man to slaves and blacks (document 13). If it did apply to them then slavery would be abolished, which (according to document 10) would cause the colonies to loose commerce, essentially destroying them because French colonists had only profits from their trade to live on. Those who were against slavery (documents 9, 15) used The Declaration of Rights of Man as their main source, in that it declared equal rights to all men, not just to white men. Slavery affected European society also in many ways. Generally, in terms of European society, most people were against slavery, on the grounds that African slaves were people too, and they deserved the same basic rights declared in The Declaration of the Rights of Man. Most suggested the question of why blacks only were enslaved, sighting that skin color made no difference in the person (document 7). Others, like Voltaire, said that the luxuries that Europe now enjoyed, like sugar, cocoa, coffee, and tobacco, were not really sufficient to gratify the enslavement

Child Exploitation Essay

Did you ever think that when you got your first tattoo that you had just turned your body into a human canvas? Sometimes they can be private but other times they are on display for all to see. Most people see tattoo’s as a beautiful way of expressing themselves or as a tribute to a person or an event. Anyone considering getting one should put a lot of thought into the type and placement of a tattoo for many reasons. Safety is another important factor to think about. Tattoo’s can be a beautiful piece of artwork, but you need to be careful about where you get them. Tattooing has been around for centuries, but has just become very popular in the last several years. At one time tattoos were only associated with a bikers or gang members. These days about one-quarter of people under the age of 30 get at least one tattoo in their lifetime (Healey 1). People decide to get tattoos for varied reasons. Many do it as a memory of a loved one who is passed on or like my daughter who has â€Å"Walk With God† tattooed on the top of her right foot. As she puts it â€Å"It is just a daily reminder to keep me focused on what is right† (Henry). Others do it to express themselves or as a right of passage, like turning eighteen years old. As in my daughters case she waited until she was eighteen and up at college with her friends. To say the least I wasn’t very happy with her decision, I thought of it as a form of rebellion. However, it was her first real adult decision all on her own. After all who hasn’t done something like this when we were young? Any one who is considering getting a tattoo should do their research, especially when thinking about the place that they want to go to have it done. Check out the tattoo shop you plan to go to before hand. It should be clean and not some dirty back room behind a bar. Make sure the tattoo artist wears gloves, uses new disposable razors and packaged single use sterile tattoo needles (Tielsel-Goddard 2). Also, be sure to ask that the ink being used is from a new package and not left over from another procedure. This will help in preventing infection at the site. You can never be to careful when getting a tattoo. According to Dr. Bernadine Healy â€Å"The Food and Drug Administration which regulates food, cosmetics, and drugs with a vengeance, has chosen not to regulate the tattoo industry†. â€Å"Ingredients of tattoo ink are a mystery and are not approved by the FDA. Some chemists have turned up some unhealthy surprises like mercury, lead, and antifreeze† (Healy 1). Professionalism of the tattoo shop you go to is important. Lastly make sure that they send you away with the proper written after care instruction when they are done. Another thing to consider when getting a tattoo is where you’re going to have it put on your body and what it will say if it is in words. Most tattoos are small, cute and meaningful to the person having it done and could be placed anywhere. Others might be vulgar or offensive if placed in a very noticeable location. Even though it is your right to put it anywhere you want to, you should think about what it may look like to others and also what it says about you. Another reason to think about placement is, could it be a problem to cover up when you get a job? Many employers have strict rules about making sure that any tattoo is covered during your working hours. At my new job we are require to wear short sleeve pull over shirts, and any visible tattoos must be covered. One other thing you will want to think about is your future. Is this tattoo something that you will still want twenty years from now? Removal of tattoos is a big deal. It is very painful and expensive. As Dr. Bernadine Healy puts it â€Å"Lasering tattoos opens a toxic chemical dump in your body and health insurance won’t pay for removal† (Healy 1). Remember, it may cost only a few hundred dollars to get a tattoo, but it will cost thousands to have it removed. Getting a tattoo can be a beautiful and wonderful experience. Make sure you are ready for what you are getting into. A reputable tattoo business is a must, be sure to do your research on this place of business. Give careful consideration of what kind of tattoo you are getting, the placement of it and be  sure that it is something that you can live with for the rest of your life. Having a tattoo is a beautiful expression and a wonderful piece of artwork, just make certain you know what you want and where you want it.

Alpine Ecosystem

Australian History Glossary: Australia in the Vietnam War Era Subject Specific Terminology Place the following terms next to their correct definition in the table below: Democracy, Robert Menzies, Domino Theory, Arms Race, ANZUS Pact, Capitalism, Ho Chi Minh, Moratorium, Communism, Soviet Union, Viet Cong, SEATO, Indochina, Propaganda, Vietnamisation, Edward ‘Gough’ Whitlam, Political Asylum, Defoliant, Viet Minh, ‘Reds under the bed’, Lyndon B. Johnson, Guerrilla Warfare, Cold War, Conscientious Objector, Veteran Pacifists, Conscription, the Petrov Affair,Term Definition | Australia’s longest serving Prime Minister. He was in office for 17 years and represented the liberal party| | Anti communist alliance formed between Australia, New Zealand and the United States in 1951. | | Refers to Australia’s fear of Communism. Australians were scared because many of the countries in South East Asia were becoming Communist and that meant that we could fa ce problems in the future. Some people were even worried that Australia could become a Communist country, with some Australians joining communist parties. | A political issue involving Communist Russian spies in Australia. In 1954, Vladimir Petrov, a Russian diplomat gave himself up as a spy and asked if he could live in Australia if he promised to give up the names of other Russian Spies living here. His wife, Evdokia, was not given the same treatment and was forced to return to Russia with Russian police (KGB). | | Union of Soviet Socialist Republics which was a group of Communist countries led by Russia. | | A system of government in which there is free and equal participation by the people in the political decision making process. | The collective name given for the former French colonies of Vietnam, Laos and Cambodia. It is located on a peninsular between India and China. | | Economic system in which businesses are privately owned and operated for profit. | | South-East Asia Tr eaty Organisation, the anti communist treaty linking the US, Britain, France, Australia, New Zealand, Pakistan, the Philippines and Thailand from 1954. It was dissolved in 1974. | | Economic system in which, in theory, wealth is shared equally and the means of production, distribution, and exchange are commonly shared. | Conflict between the communist led East, led by the Soviet Union, and the non-communist West led by the USA, after 1945. | | Australian Prime Minister who withdrew Australian troops from the Vietnam War. He was in office from 1972-1975 and represented the Australian Labor Party. | | Person who refuses to fight on moral or ethical grounds. | | The forcible enlistment of men into the armed forces| | Anti Vietnam War protest in which the people stopped work to voice their disapproval against the war. | | A chemical that causes leaves to fall off trees. It was used by the USA in bombing campaigns in the Vietnam War. | Protection granted to an individual who defects from one country to another. | | Information spread to persuade the audience to believe a particular point of view of action. | | Enlisted people who had served in Vietnam but returned with anti-war views. | | The belief of non-communist nations that if South Vietnam fell to Communism so to would vulnerable nations in south east Asia. | | Small scale hit and run warfare by mobile groups who ambush their enemy using limited technology. This was used extremely effectively by the Viet Cong in the Vietnam War. | South Vietnamese communist sympathisers fighting the USA, its allies and the South Vietnamese Army in the Vietnam War. | | An American policy of gradually withdrawing troops from the Vietnam War. | | Leader of the Viet Minh. He died in 1969, six years before the fall of Saigon (now known as Ho Chi Minh City. | | Communist led national liberation movement. Based in North Vietnam, it was formed in 1941 to fight for Vietnam’s independence. | | Competition between nations in the building up of military resources. | | President of USA during the Vietnam War. He visited Australia in 1966 and the phrase â€Å"All the way with LBJ† was coined. |

Friday essays

Friday essays The movie Friday is a comedy, but it also depicts many important social issues. The story is set in the city of Los Angeles, California, in what could be called a high-class ghetto. This movie is about a young black man who loses his job and is influenced by his best friend to smoke marijuana. The movie also shows the relationships of his family and other members of his neighborhood. With a zany cast of characters and a hilarious script, this movie touches on everything from gang violence to the use of drugs, crime, guns, relationships, sex, and life in the ghetto. In the movie Friday, rap star Ice Cube plays the character Craig. Craig has never smoked marijuana. However, his best friend "Smokey" smokes marijuana everyday. Craig loses his job, leaving him home all day with nothing to do to occupy his time. He just hangs out in the neighborhood with his friends. Smokey tries to convince Craig to try some marijuana. At first Craig doesn't want to. Smokey is persistent. He points out to Craig that he doesn't have to work and doesn't have anything better to do. Craig finally agrees, so him and Smokey eventually sit on the front porch and smoke some marijuana. Peer pressure is obviously the only reason Craig gives in. Actually he had other options, but he chose not to use them. Common sense and a simple explanation would have worked for Craig just fine (How to Say No and Keep Your Friends 23). Everyday we are faced with choices. It is up to us to decide what's right and wrong. Craig decides to try it and things start to happen that he really doesn't like. Craig and Smokey get into some trouble with the neighborhood dealer, Big Worm. Smokey sells marijuana for him, but can't pay him the money he owes because he and Craig smoked all the marijuana. Big Worm threatens them and sends a gang of "hoods" after them with machine guns. They just barely escape and are scared out o...

How to Apply for College in the US as an International Student

How to Apply for College in the US as an International Student SAT / ACT Prep Online Guides and Tips According to the Institute of International Education, almost 975,000 international students studied at colleges in the United States last year. If you’re hoping to be one of those students, then this guide is for you. To help you through the college application process, this guide will go over all the steps you need to take, from translating your transcript to taking the TOEFL. Before jumping into the process of international student admissions, let’s review how your application process is the same as a U.S. student's and how it’s different. Applying to College: International vs. Domestic Students As an international student, you'll largely take the same steps to apply to U.S. colleges as students from the U.S.You'll just need to add a few extra steps to account for differences in languages, school curriculum, andgrading systems. Below, you'll find an overview of the main similarities and differences between applying for college as an international student in the U.S. and applying as a domestic student. How Applying Is the Same Many of the steps you’ll take to apply to college in the U.S. are the same ones that domestic students take. You should apply to several schools to increase your chances of getting accepted. Eight to nine is a good number, but some students apply to even more. You’ll apply by an early deadline, usually in November of senior year, or a regular deadline, usually in January or February of senior. Some schools have even later deadlines that fall in the spring or summer. You might use the Common Application or Universal Application, both of which can just be filled out once and sent to several schools. If any of your prospective colleges don’t accept those applications, then you’ll fill out a separate one. Your application will contain your personal information, like your name and date of birth, as well as any extracurricular activities, jobs, or internships. You’ll also send a personal essay, one or more letters of recommendation, a transcript with your high school grades, and, for most colleges, SAT or ACT scores. A few colleges also ask you to answer supplemental essay questions, which call for shorter responses than your mainpersonal essay. The bulk of the application process is the same for international and domestic students, but international college students do have to take some additional steps. Read on to find out what these steps are. How Applying Is Different There are a few extra steps if you’re applying as an international student. First, you might have to take the TOEFL if you’re from a country where the official language is something other than English. The TOEFL (or its alternative, the IELTS) is a test that demonstrates your English language proficiency. Second, you may need to get your transcript and any other academic credentials evaluated by an approved organization. This evaluation puts your courses and grades into U.S. terms so that admissions officers can understand them. If financial aid is important to you, then you’ll have to figure out whether you can obtain aid directly from colleges. Federal financial aid is only available to U.S. citizens. You might also apply foroutside scholarships. Finally, you’ll need to sort out the legal requirements of living in the U.S. by applying for a student visa. Usually, you apply for your student visa after gaining admission to a college and accepting a place in the next class. Now that you have a sense of the unique requirements for international student admission, let’s dive into the application process, step by step. Read on to learn how each piece of the international student application fits together! How to Apply to College as an International Student Many colleges are seeking to make their campuses more globalizedand welcome international applicants. At the same time, there aren’t as many spots available for international students in the USA as there are for domestic applicants, so you shouldmake sure you understand the college process and can send off the strongest application possible. Colleges vary in their individual policies and requirements, but for the most part, they all ask for the same materials. Most collegesask forthe following: Application High school transcript SAT or ACT scores TOEFL scores Personal essay (and any supplemental essays) Letters of recommendation Many of these components take months or even years to prepare, so college planning should start early in high school. Let’s talk about each of these application components in detail, along with tips for preparing each. The Application You can think of your application - the actual forms that contain your personal information - as the umbrella that covers all the other documents you’ll send. Each school has its own application, but many accept the Common Application and/or the Universal Application. These are both free services that allow you to fill out just one application and send it to several schools. Colleges that don’t accept these applications, such asstate schools in California and Texas, have their own application systems. Regardless of whether you use the Common Application or a school-specific application, you’ll find that both look pretty similar. Applications will ask for your personal information, like your name, address, schools attended, and any extracurricular activities. If your school requires an essay, then you’ll usually paste your essay into your application. You may also invite recommenders via email to upload their reference letters. While creating an account and filling out your application is free, submitting it requires a fee. Some schools have no application fee while others cost as much as $80 or $90. The average application fee is around $35 to $40. If the fees are burdensome, you may be able to obtain a college application fee waiver from the colleges that you’re interested in. Below you’ll find a few more tips to help you prepare your college applications. Tips for Your College Application Preparing to apply to college is a process that can start at the beginning of high school. Colleges will look at all four years of your classes, grades, and extracurricular involvements, so it helps to consider your college goals as you make choices throughout 9th, 10th, th, and 12th grade. Most students apply to several colleges; typically, eight or nine is a good number. That way they can maximize their chances of getting accepted. Students usually apply to two to three safety schools, or ones where their credentials are well above that of the average accepted student. They also apply to schools to which getting accepted is more challenging - usually two to three match schools and two to three reach schools. The application forms themselves are not all that time-intensive. You should give yourself at least a month before your deadlines to fill them out and proofread for any errors. As an international student, you might be in a good positionto emphasize any language skills or unique multicultural experiences that you have. The aspects of your application that require months, if not years, of planning, are your SAT/ACT scores, TOEFL scores, essay, and letters of recommendation, as you’ll learn more about below. First, let’s consider another piece of your college application, your high school transcript. Depending on college policy, you might need to translate your transcript. High School Transcript To determine admission, colleges look closely at high school grades. To show schools this important information, you’ll send an official transcript. Usually, your school must send your transcript in a sealed envelope. For some schools, you can send your transcript directly. Others will ask you to get it translated and certified by an official credential service. If your school uses a different grading system than the 4.0 scale used in the U.S., then you may have to send off your transcript for evaluation. This transcript service may cost around $100. The company should be a member of NACES, the National Association of Credential Evaluation Services, like World Education Services, Inc. Some colleges will allow you to use unofficial translators. Tufts, for example, says â€Å"Acceptable translators include English teachers or other school officials, professional translators, or a local EducationUSA office. Students do not need to utilize credential evaluation companies of any sort.† Read on a few tips for sending your high school transcript to U.S. colleges. Tips for Your High School Transcript Colleges look at your grades throughout high school, as well as your course selection. They consideryour commitment to your academics, your progress in particular subjects, and the extent to which you challenged yourselfwithhigher level courses. Each college sets its own admissions policies, so make sure to research each school on your list about what it wants you to do with your transcript. You should be able to find this on the international admissions page on its website. If you can’t find this information online, you should email or call the admissions office directly. If you need to use an evaluation service, then you'll have toplan especially early. These services typically take about seven business days after receiving your documents. You might start the process about a month before your deadlines to make sure everything arrives in time. In addition to your grades, your SAT or ACT scores are another important part of your college application. Below we'll take a closer look at thestandardized testing partof your college applications. Schools may be very different from one another,so standardized tests, like the SAT and ACT, are usedto bridge the gap. SAT or ACT Scores For most four-year U.S. colleges, your SAT or ACT scores are an important part of your candidacy. Colleges consider both tests equally, so it’s up to you to decide which one you’d rather take. Some colleges additionally require SAT Subject Tests, though they usually waive this requirement if you send ACT scores. While you can self-report your scores on your application, you’ll need to send official score reports via your College Board (for the SAT) or ACT, Inc (for the ACT) accounts. If you send multiple score reports, many colleges will â€Å"superscore† your results, or take your highest scores by section and recombine them into the highest possible composite score. The SAT and ACT require lots of prep and planning, and we have tons of resources to help you achieve your target scores. For now, let’s go over a few of the most important tips for planning for these important tests. Tips for the SAT and ACT The SAT and ACT are challenging tests, and both require a lot of prep to do well. To start your planning, you first need to decide which test to take. Familiarize yourself with their similarities and differences, and choose the one on which you can gain the higher score. Then, you canset a goal for yourself. Determine your target scores based on personal goals and your colleges’ expectations. Most colleges publicize the average SAT or ACT scores of accepted students, and you can also find this information on PrepScholar’s database of schools by searching for "name of college + PrepScholar."Once you know the average, you can aim for an even stronger score to be a competitive candidate. You might start your prep with a timed practice test to gauge your current scoring level and diagnose your strengths and weaknesses. Depending on how much you seek to improve, you can figure out how long you need to study. A score improvement of only 30 points on the SAT may just call for about 20 hours of studying, for example, while a score improvement of a few hundred points could require over 150 hours. Lots of students take the SAT or ACTmore than once to achieve their target scores. As mentioned above, many colleges superscore your results,so you don’t have to worry about increasing your score in one section but decreasing in another. If retaking the SAT or ACT is in your plans, then you’ll need to leave yourself enough opportunities to retest. You might take the SAT or ACT for the first time in your sophomore year. That way, you can take it again as a junior, and even in the fall of senior year if you seek improvement. Your SAT and ACT scores show that you have the academic skills to succeed at the college level. If you’re a non-native English speaker, then you may also have to take the TOEFL to demonstrate that you have college-ready English language skills. Hope you're feeling chatty! The TOEFL will get you speaking in English. TOEFL Scores If your native language is something other than English, then you may have to take the TOEFL (or its counterpart, the IELTS) to demonstrate your English language proficiency. Unlike the SAT or ACT, the TOEFL is computer-based in most countries. Its scoring scale ranges from 0 to 120, and it tests your Reading, Listening, Speaking, and Writing skills. Many schools require a minimum TOEFL score. If you don’t have the requisite TOEFL scores, then the rest of your application doesn’t matter! The TOEFL is definitely a test to be taken seriously if you want to study at a U.S. college. Like the SAT or ACT, you could take the TOEFL more than once to achieve your target scores. Here are just a few examples of colleges with a TOEFL requirement. The TOEFL iBT is the internet-based test; the less common TOEFL PBT is the paper-based test, and its scoring scale ranges from 310 to 677. College TOEFL iBT TOEFL PBT American University 100 600 Boston University 95 550-600 Harvard 100 600 Northeastern 79-80 550 Penn State 90 550 UCLA 87 560 A few schools will waive the TOEFL requirement if you achieve a minimum score on the verbal sections of the SAT or ACT. Because these sections require strong English skills, they can sometimes act as a stand-in for the TOEFL. As with every other part of your application, you’ll need to research each college of interest to learn about its stance and plan accordingly. Below you’ll find a few more tips for planning for the TOEFL. Tips for the TOEFL As an international student, you may have the double challenge of prepping for the both the SAT or ACT and the TOEFL. You’ll have to set aside time to study for both tests and arrange a testing schedule that works for you. Like the SAT or ACT, you may want to start studying at least three months before your first test date. Set aside several hours each week to review with high-quality practice materials and take practice tests. The earlier you start, the more available test dates you’ll have to retake the TOEFL if need be. If you have strong language skills early in high school, then you might consider taking the TOEFL in 9th or 10th grade. Then you can devote even more timeto other tests and application components. If you wait until later in your high school career, then you should take the time to devise a study plan that balances your time between both the TOEFL and the SAT (or ACT). In addition to your grades and test scores, admissions officers are also interested in learning more about you as a person. One way that they accomplishthis is by reading your personal essay. Your college essay can be about whatever you want! This one about the megastore, Costco, got its writer into five Ivy League schools. College Essays Many 4-year colleges claim to use a holistic admissions process, in which they consider not just your grades and test scores, but also your personal qualities and motivations. One way that they get to know you as a person is through your personal essay. In your personal essay, you’ll typically be asked to reflect on a meaningful experience in your life and how it shaped your identity. What you choose to write about should reveal something significant about your values, and your essay as a whole will show your writing style and thought process. If you use the Common Application to apply to colleges, then you’ll choose one of five prompts for your essay. Here are just three examples of Common Application essay prompts: The lessons we take from failure can be fundamental to later success. Recount an incident or time when you experienced failure. How did it affect you, and what did you learn from the experience Reflect on a time when you challenged a belief or idea. What prompted you to act? Would you make the same decision again? Discuss an accomplishment or event, formal or informal, that marked your transition from childhood to adulthood within your culture, community, or family. As you can see, the essay prompts ask you to share something personal and meaningful. Schools that don’t use the Common Application will likely have their own essay prompt. They might look similar to the ones above or simply ask why you want to attend the college and to describe some of your future goals. Some colleges, especially the more selective ones, will ask additional supplemental essay questions. These are shorter in length, perhaps a few paragraphs or less, and vary by school. They might ask why you want to attend the school or to talk about a favorite book or artist. Some are abstract, like Tufts’ question, â€Å"What makes you happy?† Others are kind of random, like the University of Virginia’s recent prompt, â€Å"To tweet or not to tweet?† Whatever the supplemental questions, they vary by college and should not be overlooked. Below you’ll find a few tips for writing your college essays. Tips for Your College Essays The college essay is a unique piece of writing. It requires you to be introspective and to share something that’s meaningful to you on a personal level. The best essays tend to zero in on a particular experience that reveals something significant about the writer’s identity. The personal essay’s a challenging assignment, so you should give yourself several months to work on it. You might take several weeks to brainstorm the right topic. Once you come up with a draft, you might share with teachers, friends, and families for feedback. Ultimately, though, the essay should be in your voice and stay true to who you are. As an international student, you may be able to bring unique multicultural experiences or language skills to campus. Your essay’s a great opportunity to share your perspective and show admissions officers why it should be represented on campus. Supplemental essays, while not as lengthy as the personal essay, are also an important part of your application. Probably the most common mistake that students make with supplemental essays is rushing through them and producing generic answers. Your supplemental essays should be specific and customized to each school.They’re typically an opportunity for you to show what you know about the college and your particular reasons for wanting to attend. While admissions officers learn about you from your personal essays, they also get to know you through your recommendation letters. Rather than hearing your voice, they hear what your teachers and/or counselor have to say about you. Ask a teacher who's happy to paint a flattering picture of you in her letter of recommendation. Letters of Recommendation The final important piece of your college applications isyour letters of recommendation. Requirements for reference letters vary; some colleges don’t ask for any, while others ask for one, two, or even three. Usually, colleges want to see one or two recommendations from teachers and one from your school counselor. If you don’t have a counselor, then you might get one from a principal or other administrator. You’ll choose your recommenders and ask them if they’d be willing to provide you with a recommendation. Then you’ll invite them to submit their letters through your online application. Your recommendation letters should speak to both your academic and personal qualities. Like your essays and the rest of your application, they should give admissions officers insight into your strengths and skills as a student, as well as your personality and character. In addition to our in-depth guides on recommendation letters for college, you’ll find a few tips below. Tips for Your Letters of Recommendation Just as you should give yourself plenty of time to write your college essay, you should give your recommenders sufficienttime to write your letters. You should ask your recommenders at least one month before your deadlines. You might also ask at the end of junior year. It’s best to ask teachers who had you recently and for a whole year; junior year teachers tend to be a good bet. If your teachers write in another language, then you’ll have to get your letters translated. The best letters come from educators who know you well, so you should ask teachers with whom you have a strong connection. You might also share your own thoughts and ideas via conversation and a â€Å"brag sheet,† a document you can prepare to help your teachers. You couldtalk aboutyour favorite classes, significant experiences, and academic and personal goals for college. For many colleges, your recommendation letters are a very important part of your college application. Admissions officers are sifting through many strong applicants and trying to gain a clearer idea of who you are as a person. Your recommendation letters are a great opportunity to showcase your positive relationships with your teachers and successes in school. Now that we’ve gone over the main parts of your college application - the application itself, transcript, standardized testing scores, essays, and letters of recommendation - let’s consider some final tips for applying to college as an international student. Keep these final tips in mind as you make plans togrow academically and personally at a U.S. college. Applying to College as an International Student: 3 Final Tips Applying to college is a complex process, and it becomes even more complicated for international college students due to additional steps, like taking the TOEFL and having your materials translated and certified. By familiarizing yourself with the entire process, you can make sure that you have enough time to prepare all your materials by the deadline. With this knowledge, you can produce a competitive application that will secure you a spot at a U.S. college. As you work your way through the steps, remember these three key tips. 1. Don’t Underestimate the SAT/ACT or TOEFL Doing well on standardized tests is important for all college applicants, and it becomes even more significant for international students in the USA. The TOEFL shows admissions officers that you have the reading, writing, speaking, and listening skills to succeed in college-level classes. The SAT and ACT, furthermore, show your academic skills and college readiness. These tests are meant to measure students on a level playing field, regardless of differences in individual high schools and curriculum (though of course, how well they do this is a matter of debate). Admissions officers may be unfamiliar with your school abroad, so they especially rely on these test scores to make sure you have college-ready skills. As discussed above, you should set aside several months to prep for each test and leave yourself additional test dates if you want to retest and achieve your target scores. If your sights are set on a U.S. college, then make sure you have the SAT or ACT and TOEFL scores to compete with other applicants. 2. Remember that Many Colleges Use a Holistic Process While test scores are important, remember that they’re not the only part of your application. Many colleges use a holistic process to admit students, in which they consider your personal qualities and impact in your school community. Admissions officers want to learn about your interests and pursuits in and out of school. They’re interested in your extracurricular involvements and any leadership positions. They want to see if you’ve done community service, volunteered, or worked a part-time or summer job. They also gain a sense of your role in your school community through your letters of recommendation. Admissions officers tend to be more impressed by deep involvement in a few areas than scattered participation in many areas. You might keep this in mind as you move through high school and choose your activities, as well as when you describe your involvements on your application. Ultimately, applying to college requires a lot of self-reflection about your identity and goals for the future. Think about what’s important to you and what you hope to achieve. Then, reflect this self-awareness through your essays and application as a whole. 3. Plan Early! Finally, the importance of planning early cannot be emphasized enough! There are a lot of moving parts that go into a college application, and none of them can be completed in a short time frame. Admissions officers are interested in all four years of high school, so planning early willhelp you make informed choices about your courses and involvements. For instance, you should try to challenge yourself in one or more upper-level classes and stick with an activity or two throughout your time in high school. Follow your interests and you may have a sense of what subject you’d like to choose as your major once you arrive at college. In the end, you college application will tell a story to admissions officers about your high school experience and identity. By planning early, you can make the most of these years with a goal-oriented, proactive mindset. All of your hard work will pay off when you send off a great college application that gets you accepted into your dream school! What’s Next? Are you figuring out where to apply to college? This guide will help you research colleges and find the best ones for you. Will you be taking the TOEFL and the SAT? Check out this comprehensive guide to learn about the TOEFL and SAT and how to prepare for both. Are you getting ready for the SAT? To help you prepare, we’ve compiled our best articles in the Ultimate Study Guide for the SAT. Want to improve your SAT score by 160 points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now:

A Debate that is related to Microeconomics Essay

A Debate that is related to Microeconomics - Essay Example It is important for economies to determine whether such ventures as minimizing IT will mean reduced operational costs and increased profits (which forms the core aim of all businesses) (Hubbard and Anthony, 377). Those who see IT as obsolete and replaceable say that the fact that almost all companies have embraced IT has removed the competitive edge it offers as a result of this ubiquity and is no longer important. IT, according to them, is therefore no longer a tool that a business can use as a tool for competition in the markets to advance itself above the rest. They therefore see it fit that companies that are wise and that have studied the times begin to swiftly reduce their spending on IT and focus on other ideas and innovations that can lead to originality and therefore serve as strength of a particular business against all the other market competitors. IT to them has simply become too old and basic and therefore expendable (Gravelle and Ray, 312). On the other hand, there are equally those who have vehemently argued against such claims of IT obsolescence. They state that IT comes with a plethora of benefits both to the consumer and the business itself. According to these proponents of IT, IT is irreplaceable in linking businesses and its consumers through the click of a button, a phone call or even email just to mention a few, while also offering a relatively easy source of information on the market trends, needs and preferences. It enables a company improve on service delivery and gain competitive advantage over others if superiorly utilized. IT also enables fast and efficient money transactions that are vital in the smooth running of any business set up, failure to which many businesses have crumbled prematurely (Hubbard and Anthony, 411). In my opinion therefore, IT remains important in businesses as it saves time and offers an

Customers' attitude towards online banking services in the UK Dissertation

Customers' attitude towards online banking services in the UK - Dissertation Example Therefore, this study aims to evaluate the factors that are responsible to make certain attitude of the consumers towards using internet banking services in the UK. This research considers two banking institutions: Lloyds Bank and Barclays Bank, and two non-banking financial institutions: Tesco and Virgin. All these institutes are UK based, and internet services provided by these institutes, studied to determine the attitude of the customers for their services. The approach selected to conduct this research is quantitative approach that is based on positivistic paradigm. The result revealed that the attitude of the customers of UK is positive towards the internet services provided by banking and non-banking institutions. ... ble 1: Frequency Tables – Barclays Bank 45 Table 2: Descriptive Statistics for Dependent Variable - Barclays Bank 47 Table 3: Descriptive Statistics for Independent Variables - Barclays Bank 49 Table 4: Frequency Tables – Lloyds Bank 511 Table 5: Descriptive Statistics for Dependent Variable - Lloyds Bank 52 Table 6: Descriptive Statistics for Independent Variables - Lloyds Bank 53 Table 7: Frequency Table - Tesco 55 Table 8: Descriptive Statistics for Dependent Variable - Tesco 57 Table 9: Descriptive Statistics for Independent Variables - Tesco 58 Table 10: Frequency Table - Virgin 60 Table 11: Descriptive Statistics for Dependent Variable - Virgin 60 Table 12: Descriptive Statistics for Independent Variables - Virgin 61 Table 13: Regression - Banking 64 Table 14: Regression – Non-Banking Financial Institutions 65 Table 15: Independent Samples Test 67 Chapter 1 - Introduction 1.1. Background In the retail banking services, online banking is relatively new phase and still many people are not properly aware of the offerings of online banking (Peevers, et al. 2011). There are different services that online banking offers to the customers so that they can perform their transactions and can request for the information of their accounts. This includes the â€Å"inquiry of balance, transfer of accounts, payment of bills, ATM card pin code†, and many other services that the banks are offering (Aladwani 2001). The successful key for developing economies is information, and most of the companies are thinking of switching their businesses from physical to online technology (Akinci et al., 2004). There are many factors responsible to influence the preference of the customers in terms of the online banking, and it is very important for the banks to understand these factors