Wednesday, July 29, 2020

Free Novel Outlines and More on

Free Novel Outlines and More on Whether youre a seasoned writer or an aspiring author, youll know that the physical act of writing is only one part of the work that goes into creating a novel. The other aspects can be just as time-consuming, and arguably more difficult, than actually sitting down and typing out the story.When it comes to creative writing, I tend to struggle with having a strong plot outline ready to go before I start writing. Invariably, that ends up with me getting stuck in the dreaded middle section and having to edit the finished manuscript extensively. So, imagine how excited I was to discover a treasure trove of writing resources available on by creative writer and writing tutor Eva Deverell, the blog has an incredible amount of helpful information. There are articles, worksheets, video workshops, and tips on virtually every single aspect of writing a novel or story.Lets take a look at just some of the exciting resources available:There are numerous resources for writers at, including a one-page novel plot formula, writing quotes, full-length novel outlines, and more.Free novel outlineOne of the main draws of the blog is the free novel outline that you can claim by signing up to receive emails. Signing up with your email address gets you access to even more writing hints and tips, so its a win-win situation. Make sure you add them to your safe sender list because this newsletter is most certainly not junk!What you receive is a clearly laid-out outline that gives you the skeleton for writing an entire novel. Even the most die-hard pantsers among us could benefit from having this resource. Id encourage every creative writer to get this free resource and give it a try. Even if you think outlining is not for you, I suspect this easy-to-use formula could change your mind.The outline includes character details and motivations, as well as a complete list of scene summaries suitable for an entire 80,000-word novel.Resources for creating a gr eat plotEA Deverells blog contains one of the most amazing and comprehensive free resources Ive found on plotting, The One Page Novel formula. The spreadsheet provided helps you to plot out the story using an incredibly effective story arc. There are also word counts for each stage, and you can easily track your progress.Its created with a 50,000-word novel in mind, but its straightforward enough to adjust this to accommodate a different word count. The spreadsheet is incredibly simple to use, available in Google Docs, and is something I think every creative writer should be using.If you want an even more intensive look at how to plot a novel with ease, theres also The One Page Novel course available for enrollment. The course is self-paced and consists of 17 audio/video lessons, plus access to exclusive pdf content to help you plot and write your novel.Here are some course details from the enrollment page.How to create the core plot for your novel on 1 sheet of paper (and in under 2 hours).How to use the one page layout to generate endless story ideas.How to resurrect, troubleshoot and revise your stagnant or abandoned stories, so you dont waste your hard work.How to add, extract, and interweave subplots into the main plot (so you can add depth to your characters and your story).How to use internal and external motivators to guarantee you finish writing your novel.The most common plot problems and how to fix them as you write (so that you dont get stuck in an infinite rewrite loop).How to fix broken plots methodically.How to fix broken characters without breaking your plot.The #1 simple trick for solving plot problems that will allow you to overcome blocks and come up with answers that work.Plot a story in under 2 hours? Troubleshoot and fix broken plots and characters without extensive rewriting? Sign me up!Given how good the free resources are, I expect this course will be mind-blowing.Creative writing worksheets and author resourcesOf course, once youve na iled your outline, plot, and characters, its time to start writing. Youll need to choose a point of view, come up with creative metaphors and similes, and set the scene. There are plenty of resources here to help with those elements of writing too.The creative writing worksheets are outstanding and cover pretty much every aspect of being an author. Theres a large collection of them addressing every topic you could think of. From writers block to developing your author platform, theres help and advice available.The emphasis in each worksheet is on you doing the work to find out the best way for you to tackle an issue, with a little guidance. I find this a much better approach than the prescriptive my way or the highway attitude that some writing teachers and coaches can adopt.If youre looking to ramp up your productivityâ€"certainly something on the mind of most writers, The Novel in a Month Notebook is an excellent, and free, printable resource. You can use it to support your NaNoWr iMo project, or use it any time to help you produce great quality writing faster.If youre planning on completing NaNoWriMo, theres a comprehensive NaNoWriMo resource list available on the blog that has everything you could possibly need to complete your novel in record time.If you want a little extra help, but arent ready to buy an entire course yet, there are some paid worksheets and eBooks at very reasonable prices. My personal favorite is the 40 page eBook The Fools Journey for busy writers. This eBook uses the Tarot as the basis for teaching how to write a great story. It includes advice on adding appropriate conflict and archetypal images and symbols to add depth to your writing.Theres also an interesting novel named Alemmia available.Alemmia is the story of the first summer that Lucy and her family spend on an idyllic island. Its a somewhat old-fashioned tale of childhood adventure, and an easy breezy, low-contrast, low-drama beach read to soothe you into more magical manifest ations!Heres the blurb from the website:Summer on an Edenic Mediterranean island. What could go right?For little Lucia, everything, though she doesnt know it yet.For us, the resolution of conflict, the accomplishment of desires, and the beginning of another beautiful season.Alemmia is a tale of childhood adventure and the potential of the Law of AttractionEadeverell.comTheres an accompanying set of worksheets to help you make the law of attraction work for you. Im a huge fan of the law of attraction and the power of a positive mindset. Ive read lots of law of attraction books and articles, and this is one of the most creative approaches to the law of attraction that Ive seen. If youre looking to attract more good things into your life, this is certainly worth a look.MembershipsProviding your email address gives you a code for exclusive access to The Coterie. Behind this closed section of the website, there are yet more free resources, including the One Page Novel workbook that suppl ements the free materials beautifully.Purchasing any of the courses will gain you lifetime access to the course. For those craving membership to a welcoming writing community, you also receive lifetime access to The Lady Writers League. The League is a supportive community of fellow writers which is open to ladies gentlemen of all levels of writing ability. You can find a writing buddy or critique partner, join in with a challenge, or share your successes and challenges on the Lady Writers League forums.Plus, you receive access to yet more resources to support your creative writing, including:a growing library of free ebooks, printables, and toolsa growing archive of free training, including challenges and mini-courses.Receive special discounts on any future writing courses you decide to take.$5 of every order goes towards supporting our favorite non-profit writing event, NaNoWriMo.You can also join the list to be informed when the other courses How to Be The Heroine of Your Own St ory and How to Lose Yourself in a World of Your Own Invention are available for enrollment.The is a brilliant resource for writers at every stage of their journey. Its easy to navigate and jam-packed with informative articles and hands-on writing exercises.For a beginning author, its an almost foolproof collection of resources. I certainly wish Id found it sooner. Even as a seasoned creative writer, there are dozens of worksheets, tips, and tools to make sure Im on top of my novel-writing game.Some of the best articles and exercises on the blog are:Writing quotes to make you feel like a writerWrite with meHow to write a novellaHow to grow as a writerWhat I enjoyed the most from the articles and resources on the site was that the advice given is practical and not dogmatic. Rather than a this is how you must write prescriptive tone, the tools and guidance provided are designed to help you come to your own creative conclusions.If youve not discovered the site yet , then what are you waiting for? Head on over and check out the amazing creative resources that has to offer.

Monday, June 29, 2020

Bacteria, Viruses, and Health Essay - 275 Words

Bacteria, Viruses, and Health (Essay Sample) Content: Bacteria, Viruses, and HealthNameInstitutionThe drug resistance bacteria are a natural process that occurs when a patient use antimicrobial for any infection. The microbes are forced to die or adapt; notably, the microbes that survive carries the resistance genes that is passed from one person to another (Chan, 2011 ). Inherently, human behaviors such as flawed assumptions and faulty practices increase the resistance rate of the bacteria. On the other hand, policy failures and human practices amplify the continued resistance of bacteria. In essence, the world has failed to provide appropriate care for these cures. Arguably, bacterial resistance to diseases such as malaria is high owing to the single type of artemisinin-based therapies.According to Chan (2011 ), bacterial resistance can be reduced by developing rational and appropriate use of antimicrobial. These irrational behaviors include overuse, improper, and unprofessional dispensing of drugs to patients. The pha rmacists are blamed for yielding to the demands of the patients while others for profitable reasons. Moreover, the underuse of the drugs by the patients increases the risk of bacterial resistance to drugs (Chan, 2011 ). Complete consumption of the drugs will kill all the pathogens in the body. Hence, patients should avoid using drugs as soon as they start t feel better. In addition, misuse of the drug such as using a drug for the wrong disease. Proper diagnostic test needs to be carried out before a drug is given to the patient. Moreover, governments should ensure that substandard drugs are kept from away circul...

Friday, May 22, 2020

The background and principles related to Islamic Banking - Free Essay Example

Sample details Pages: 12 Words: 3595 Downloads: 6 Date added: 2017/06/26 Category Finance Essay Type Research paper Did you like this example? Islamic principles have stated clearly that all business transactions have to follow the fairness behavior stated in Islamic law where no party should gain any sort of unequal treatment thus when an investment occurs between two parties both the parties should divide the profit or loss according to the business status (Schon; 2009). Islamic principles related to monetary transactions have stated clearly that no harm or use of harmful products is allowed to be conducted under the Islamic business (Schon; 2009). Thus; Gambling, prostitution and similar projects should be banned from using Islamic money as a tool of transactions (Schon; 2009). 2.1 Principles behind Islamic Banking Two basic principles behind Islamic banking are the sharing of profit and loss (PLS), significantly, the prohibition of collection and payment of interest. In fact, collecting interest is not permitted under Islamic law. Islamic banking refers to a system of banking or banking activities that is consistent with Islamic law and principles and guided by Islamic economics (Sipra, 2002). Don’t waste time! Our writers will create an original "The background and principles related to Islamic Banking" essay for you Create order 2.3 Islamic Banking around the World Present Islamic finance has exist globally since the 1970.Currently, Islamic finance represent small but growing fragment of the global finance industry (Ariss 2010). Estimates diverge of the total size of the assets held globally under Islamic finance, ranging upwards from 800 billion and with growth rates of 10% to 15% annually over the past ten years. Indeed, United Kingdom has announced initiations to reserve London as a main player in the Islamic finance industry (Kerr, 2007); the global market for Islamic bonds known as Sukuk us estimated to be $70 billion currently and is projected to reach $100 billion by 2010.Global issuance of Islamic bonds has increased more than five-fold from 2004 to 2007. Assets of the top 500 Islamic banks expanded 28.6% to $822 billion at year-end 2009 Islamic industry size is estimated to be at 400 billion USD with growth of 15% per annum. Demand for Islamic banking products and service is growing, Islamic banking has developed into a full fledg e system, today Islamic banks are working in 75 countries beside that there are many financial institutions from the conventional banking systems have lunched Islamic banking windows working side by side with Islamic banks to overcome the growing market demand on Islamic products and services. In Malaysia and Bahrain Islamic banks are working at parallel with conventional banks participating in the overall money transacted (Scribd; 2010). In some countries, such as Iran, Sudan and Pakistan, Islamic bank are the only mainstream financial institutions. In others, they exist within conjunction with conventional banking. The Arab Gulf region and Southeast Asia, led by Malaysia, traditionally have been the major centers for Islamic banking. In recent years Islamic banking has expanded into Africa, particular in Sudan (Tahir 2007). Sudan has full financial system running at a national level by Islamic finance and banking principles, Iran also have switched to fully working Islamic b anking system in spite of the conceptual interpretation differences.UK, Euro countries and many other countries have initiated Islamic banking participations by allowing Islamic banks to start doing business (Tahir 2007). Chart 2.1 is showing that Iran is the higher ranked in Islamic banking assts followed by Saudi Arabia and Malaysia. Indeed, Bahrain has 10 Islamic banks compare with 19 banks in Sudan. In fact, Iran, Sudan and Pakistan fully operate as a full main stream Islamic banking system. Chart 2.1 Break Down of the Worlds 100 Islamic Banks Source: Asian Banker Research Bahrain have a large concentration of Islamic banking in the Middle East where it hosts 26 institutions offering different products and services including commercial banking, offshore banking, investment banking and fund management , Bahrain also purse a dual banking system where conventional and Islamic banking are treated equally by the Bahrain Monetary Agency , Bahrain also hosts the newly creat ed liquidity management center and the international Islamic financial market , to coordinate the operation of Islamic banking around the world. Malaysia has a comprehensive Islamic banking industry where conventional and Islamic banks are working at a competitive environment; the conventional banks are allowed to open Islamic windows. The share of Islamic banking operation in Malaysia has grown from a nil to 8 percent in 2003 where the government in Malaysia has a plan to enhance that to 20 percent by 2011. There is a growing interest for Islamic finance and a business opportunity for lenders in the United States where Islamic banking is largely exists in the personal home mortgages (Tahir 2007). Chart 2.2 explains that the issuance of Sukuk financial records for about 10% of the comprehensive Islamic finance industry, subsequent to fast growth over the past decade. Cumulative total issues topped the figurative mark of $100 billion at year-end 2009, compared with less than $500 million at year-end 2001. The market is slowly reviving after a major slowdown in 2008. Sukuk issues totaling $23.3 billion in 2009 clearly outpaced the $14.9 billion registered in 2008 and regained some ground against record issues of $34.3 billion in 2007. Chart 2.2 Sukuk Issuance in billions USD from 2001 to 2009 Source : (Poors 2010) 2.6 Definition of Corporate Governance The agency problem arises because of the relationship between the owners and the management. The scandal in corporate governance made the scholars defining corporate governance based on the problem solving perspective or corporate affairs perspective. In addition, most definition states that internal governance mechanism involves board of directors and ownership structure while external involves taking over market and legal system. Researchers have defined corporate governance in a variety of ways, and the most widely cited definitions follow. A definition by the finance committee on corporate governance in Malaysia in the report on corporate governance (2002) stated that: Corporate governance is the process and structure used to direct and manage the business and affairs of the company towards enhancing business prosperity and corporate accountability with the ultimate objective of realizing long term shareholder value, whilst taking account the interests of other stakeholders. This indicates that corporate governance is not only applied to the shareholders but the other stakeholders as well. 2.7 Corporate Governance System around the World 2.7.1 Anglo-Saxon Corporate Governance System The Anglo -Saxon system is taking by the main source of firms finance. Therefore, the main concentration of Anglo-Saxon corporate governance is the shareholder interest where the principle is applied by given the right to each shareholder to vote pursuant to that the law found to be protecting the shareholder against the management where a shareholder can be found misusing the company money which might affect the shareholder wealth. The composition of the Anglo-Saxon corporate governance system is one board of directors constituting of executives and non-executives. The executive directors are managers of the corporations; whereas the non-executive directors are representing the shareholders to monitor the manager in their day to day business. Both executive and non-executives directors members are appointed and dismissed by general assembly of shareholders.(Denis and McConnell 2003). 2.7.2 Germanic Corporate Governance System The Germanic corporate governance system deals with the firm as an autonomous economic entity which may benefit to shareholders and stakeholders in the firm. Countries which implement this system use two board systems consisting of a supervisory board and managing board. Supervisory board main duties are to appoint the managing dismiss managing board and to evaluate management performance. Germanic corporate governance system considers the bank as the main source of finance. Therefore, the bank has a significant voting right in shareholders shareholders assembly and also represents shareholders interest in a supervisory board (Odenius; 2008) . 2.7.3 Latin Corporate Governance System The Latin corporate governance system is considered more flexible compared with previous Systems. In a context of board of directors, Latin corporations have an option to select either one board as Anglo-Saxon system or two boards as in Germanic System, shareholders have more influence in the Latin system i.e. in French legislation, shareholders can remove a director, which overrule on a share one vote system.(Aguilera and Ermoli 2005) 2.7.4 Japanese Corporate Governance System The board of directors in Japanese system comprises a board of directors, an office of representive directors and an office of auditors. The president is the rarely the chair man of the board. Banks have high influence on the decision making of the management in the Japanese system .(Allen; and Zhao; 2007) 2.7.5 Islamic Corporate Governance. The corporate governance in Islamic banking is based on Islamic law and principles. The governance of the banks is subject to acceptance of the principles and standard of Shariah. Islamic corporate governance tension on all the parties involved in the organization to practice Islamic law principles. Since Islamic banks in many ways are similar to the conventional banks; the existence of a proper frame work of corporate governance is a matter of dire necessity (Pellegrini 2006). However, in accordance with the fact that Islamic banking and conventional banking are different because Islamic banking activities are underlined by Islamic law its not appropriate for Islamic banking to divert from Islamic practices .Thus, the responsibility is on Islamic banks to ensure that all activities are subject to Shariah law acceptance (Pellegrini 2006). In terms of guidelines and principles constructed in accordance with Islamic law there are many standardizing agencies; theses agencies inc lude the Islamic financial service board (IFSB), the accounting and auditing organization for Islamic financial institutions (AAOIFI), and International Islamic rating agency (IIRA); are of the important bodies concerned with regulations enhancing the supervision in Islamic financial institutions (Grais and Pellegrini 2006; Pellegrini 2006; Wafik Grais 2007). Researchers have conceptually explained the differences attributed to corporate governance principles in Islamic law and corporate governance principles in non Islamic law, the proposed considerations mostly concentrated on Shariah supervisions, financing modes and risk managements. In addition, Islamic finance scholars have supported the explanation of theoretical base of Islamic banking and finance on stakeholder theory considering that any party who affect of get affected by the activities conducted in the Islamic financial institution is a stack holder of the Islamic financial institution (BAHJATT; 1997; Chapera 2004; Ab u-Tapanjeh 2009). Table 1.1 focuses on the differences between the organization for economic cooperation and developments principles and Islamic principles where sole authority is to Shariah, society is a stakeholder and the sense of equality between different parties involved in the corporation process. Islamic perspective on corporate governance, to some extent, resembles to the stakeholder model. Indeed, it provides a more solid justification regarding who can qualify as a stakeholder and what are the rights and responsibilities that both firms and their various stakeholders may assume. Table 1.1 Corporate Governance from Islamic Prospective OECD Principles and Annotation Islamic Principles Insuring the basis for an effective corporate governance framework Promotion of transparent and efficient markets with rule of law and division of responsibilities Promotion of business within ethical framework of Shariah,Believes in profit and loss,Primacy of Justice and social welfare withsocial and spiritual obligations,Prohibition of interest The rights of shareholders and key ownership functions Basic shareholder rights, Participation in Decision-making at the general meetings, Structures and arrangements markets for corporate control, Ownership rights by all shareholders including institutional shareholders, Consultative process between shareholders and institutional shareholders Property as trust from God, Sole Authority is God, Society as stakeholders, Accountability not only to stakeholders but also to God, the ultimate owner The equitable treatment of shareholders Protection to minority and foreign shareholders Just and fairness of value The role of stakeholders in corporate governance In creating wealth, jobs and sustainability of financially sound Enterprises Islamic accountability to Falahand social welfare orientation, Haram/Halaldichotomy in transaction, Social individual welfare from both spiritual and material Disclosure and transparency Matters regarding corporation, Financial situation, Performance, ownership and Governance Accountability with Shariahcompliance, Socio-economic objectives related to firms control and accountability to all its stakeholders, Justice, equality, truthfulness transparency, Wider accountability with written as well as oral disclosure The responsibilities of the board Strategic guidance, Monitoring of management, Accountability to company and stakeholders Accountability not only to company or board or stakeholders but also to Allah the ultimate authority who leads to welfare and success, Holistic and integrative guidance, Negotiation and co-operation, Consultation and consensus seeking for each decision with related stakeholders Source : (OECD 1999; Abu-Tapanjeh 2009) Unlike the known corporate governance systems where the solving of agency conflict is one of the important issues related to the governance mechanisms. Islamic corporate governance laid the liaison and activities of the bank to Shariah supervisory board and main Shariah board at the central bank of the country. Thus, each party involved in the transaction and activities of the bank is stakeholder. The Islamic finance activities have the obligation towards employees, community and related parties of organization. The staff in Islamic bank should act according to Islamic principles and adhere to the teaching of Islam. Accounting standards in the Islamic bank should consider that Islamic banking is interest free banking(M; 2007). Shariah supervisory board (SSB) has the authority to reject any of the projects which is not in accordance with their expectation. Indeed, the process of the Shariah reviewing the activities is one of the fundamentals of Islamic banking transaction. The Shariah reviewing process includes risk management, auditing committee and Shariah research functions (Hamzah 2009). . Figure 2.1 is explaining the process of The Shariah supervisory board where Shariah board receives the new projects and products before they are presented to the customers in order to assure the Shariah compliance. Shariah board process will supervise bank activities and processes in order to assure the Shariah compliance. Shariah supervisory board has the responsibility to enhance the Islamic banking knowledge among the employees in the Islamic banks. Figure 2.1 Shariah Board Process Source : (BNM 1 October 2005) The board of directors is committed to the decisions made by the Shariah supervisory board irrespective of whether the majority approve or disapprove. The meeting of the board usually is held periodically or whenever the situation require (DIB 2010). 2.8 Principles of Islamic Corporate Governance The Islamic financial service board (IFSB) is an international guidelines and regulation organization that concentrate on improving the consistency and firmness of the Islamic financial services institutions by issuing global standards and principles for the industry, mostly distinct to include institutions which deal under Islamic law (IFSB 2006). The principles is concerned about enhancing the process of the Islamic banks under a proper mechanism related to Shariah law which highlight and explain what are the duties and responsibilities related to stakeholder in the Islamic bank. The principles detail the process and structure of governance in the Islamic to achieve the optimum smooth of return to stakeholders (IFSB 2006). As per the principles guidelines its of importance to meet to principles because that will help providing a typical disclosure particularly financial statements for internal audit which deliver a great responsibility to the stakeholders, indeed it also en dorses the Basel I, II and the principles of corporate governance in banks, so as to ensure the safety of Islamic banking and to provide protection for the assets and rights of customers of Islamic banks encouraging commitment to the decisions of (IFSB) .The sitting standards by IFSB for Islamic financial institutions involve the discussion on the mechanism to balance between different stakeholders in the organization including the duties and responsibilities, the board of directors and financial reporting requirements (IFSB 2006). Table 2.1 presents the main principles for Islamic financial institutions including Islamic banks which must adhere to Islamic law including governance mechanisms, right of investment account holders, and compliance with Islamic Shariah rules and the transparency of account reporting. Table 2.1 the Guiding Principles of Islamic Financial Service Board IFSB Principle 1.1: IIFS shall establish a comprehensive governance policy framework which sets out the strategic roles and functions of each organ of governance and mechanisms for balancing the IIFSs accountabilities to various stakeholders. Principle 1.2: IIFS shall ensure that the reporting of their financial and non-financial information meets the requirements of internationally recognized accounting standards which are in compliance with Shariahrules and principles and are applicable to the Islamic financial services industry as recognized by the supervisory authorities of the country. Principle 2.1: IIFS shall acknowledge IAHs right to monitor the performance of their investments and the associated risks, and put into place adequate means to ensure that these rights are observed and exercised. Principle 2.2: IIFS shall adopt a sound investment strategy which is appropriately aligned to the risk and return expectations of IAH (bearing in mind the distinction between restricted and unrestricted IAH), and be transparent in smoothing any returns. Principle 3.1: I IFS shall have in place an appropriate mechanism for obtaining rulings from Shariahscholars, applying Fatwaand monitoring Shariahcompliance in all aspects of their products, operations and activities. Principle 3.2: IIFS shall comply with the Shariahrules and principles as expressed in the rulings of the IIFSs Shariahscholars. The IIFS shall make these rulings available to the public. Principle 4: IIFS shall make adequate and timely disclosure to IAH and the public of material and relevant information on the investment accounts that they manage. Source: International Islamic Finance Services Board (IFSB 2006) 2.8.1 Ownership Islamic banks guiding principles permit the bank to constitute the capital from original and foreign resources, in respect to the rate of deposit and place of deposit of the capital fund , it will be decided by the proficient authority, Islamic bank will constitute a reserve fund and every year an specific amount of profit will be kept in this fund from the net income after paying of tax and Zakat at the time assessing the minimum asset Islamic bank will take into consideration the balance of Savings Account, Investment Account, other deposit liabilities including the cash in hand other liabilities as directed by the proficient authority (Solà © 2008). 2.8.2 Board Size The principles of Islamic banking enhances the implementations of Basel I, II and III In explaining the board size requirement in Islamic banks, the governance code recommended that the impact of size should be examined on the board effectiveness. However there is no specified numbers of the board recommended. It is in line with the above-mentioned arguments that a board should not be too big or too small. However, the Islamic banks should allow a board with active participation and has the ability to make effective decisions and performing their functions (Solà © 2008). 2.8.3 Qualifications As part of the governance enhancement effort, IIFSB in its listing requirements requires all directors of Islamic banks to undertake continuous training and education improvement process. It aims at influencing corporate thinking on governance issues among the directors (Kasri 2008). 2.8.4 Disclosure As the Islamic financial services industry increases its activities in the global financial scaffold, IIFS requires the Islamic banks to abide by globally recognized reporting standards. IIFS is therefore ensuring that the reporting of financial and non-financial information is in harmony with worldwide recognized accounting standards, particularly those applicable to Islamic financial services. Islamic bank will appoint an auditor every year, which is to be approved by the proficient authority (Solà © 2008). The main principles enhancing the world banking system are the Basel principles. Basel is a committee focusing on formulating standards for banks especially those guidelines which help to maintain the risk level and safety against financial crisis. The Basel committees standards have been going through wide improvement from time to another. Basel I in 1998 required the countries to have a minimal capital requirement for banks; most of the focus was on credit risk. Basel I instructed the banks with international presence to hold capital equal to 8 % of the risk weighted assets. Following that, the Basel II introduced in 2004 was encouraging all countries to adopt the regulations proposed on their banking system. Indeed, Basel II was the creation dilemma of banking laws and regulations against problems that may arise particularly in capital management and risk management. Then, Basel III was a responding improvement to financial crisis where the committee instructed the banks to hold apportion of its capital to preserve against abnormal loss (Solà © 2008). Critically, Islamic banks were already enhancing the principles of Basel III which is been translated in their financial status after the crisis as they have not been affected by crisis same as the conventional banks.(Networking 2010) Abu-Tapanjeh, A. M. (2009). Corporate governance from the Islamic perspective: A comparative analysis with OECD principles. Critical Perspectives on Accounting 2 0(5): 556-567. Aguilera , R. V. and I. Ermoli (2005). A Comparative Analysis of Corporate Governance Systems in Latin America: Argentina, Brazil, Chile, Colombia and Venezuela. SSRN eLibrary. Allen;, F. and M. Zhao; (2007) The Corporate Governance Model of Japan: Shareholders are not Rulers. Ariss, R. T. (2010). Competitive Conditions in Islamic and Conventional Banking: A Global Perspective. Review of Financial Economics 19: 101-108. BAHJATT;, M. F. (1997). TOWARDS STANDARDS FOR RELIGIOUS AUDIT IN ISLAMIC BANKS. Review of Islamic Economics, 3(2): 39. BNM (1 October 2005). Guidelines on Corporate Governance for Licensed Institutions. Chapera, M. U. (2004). Stackholder Model of Governance in Islamic Economic System. Islamic Economic Studies. 11(2). Denis, D. K. and J. J. McConnell (2003). International Corporate Governance. SSRN eLibrary. Grais, W. and M. Pellegrini (2006). Corporate Governance and Shariah Compliance in Institutions Offering Islamic Financial Services. SSRN eLibrary. Hamzah, H. (2009). The Control of Islamic Bank Activity by the Shariah Board : Effectiveness and Limits. Economic and Quantitative method Tunis, University of Manouba IFSB (2006) Guding Princibiles on Corporate Governance for Instituation Offering Only Islamic Financial Services (Exculding Islamic Finance Insurance and Mutual fund) Kasri, R. A. (2008). Corporate Governance: Conventional vs. Islamic Perspective. SSRN eLibrary. M;, A. E. W. (2007) A unified voice : The Role of Shariah Advisery Boards in Islamic Finance. Networking, I. b. (2010) Basel III in support of the Islamic banking principal Odenius;, J. (2008) Germanys Corporate Governance Reforms: Has the System Become Flexible Enough? OECD (1999) OECD Principles of Corporate Governance. Pellegrini, W. G. a. M. (2006). Corporate Governance in instiuations offering Islamic financial Services : Issues and Options. Islamic economic ,Banking and Finance Poors, S. a. (2010). Islam ic Finance Outlook 2010. Schon;, N. (2009). Islamic banking and finance, Spriamus Press Ltd. Scribd; (2010) Islamic Banking vs Conventional Banking. Islamic Banking vs Conventional Banking Solà ©, J. (2008) Introducing Islamic Banks into Conventional Banking Systems. Tahir, S. (2007). Islamic Theory and Practice Survey of Literature Jouranl of Economic Corporation 28(1): 1-72. Wafik Grais , M. P. (2007). Corporate Governance and Shariah Compliance in institutions offering Islamic Financial Services. Wold Bank Research Working Papers 4054.

Tuesday, May 19, 2020

Your Writing Style Essay - 1536 Words

Your Writing Style How can one person know what good style is when writing a paper? Where is it written that we as students should have to follow specific guidelines while writing? Anyone wanting to make their writing clear, precise, and simply correct will usually try following some type of guideline, or book in order to perfect their own writing style. After reading both The Elements of Style by Strunk and White, and also Williams’s Style toward Clarity and Grace I can see why teachers discuss these books as tools for correcting and perfecting their students writing, and style. While at the same time understand someone out of the classroom setting, brushes up on their skills in writing with these books before they†¦show more content†¦Instead of calling these books rule books they should be called suggestive writing tip books. Whereas, before someone thought if they did not follow the rule they were breaking it, now they can feel they are simply choosing to ignore some advice tha t may or may not have been helpful to them. This helps them to understand that not every time they â€Å"break† a rule is wrong, sometimes choosing to ignore the advice can have positive effects on their writing. Strunk and White, and Williams use very different approaches when addressing the issue of style. Strunk and White, apply more of a straight forward approach strictly telling the reader to follow their rules word for word. Although, many students and teachers believe it is a mystery why they choose the rules in style that they put into their book. Are these places where students have the most trouble with their style, and diction? If not, then are they the pet peeves of an overtly critical no-nonsense teacher? It was my understanding that overall the students should not question the advice being given them; they should simply follow the rules with no questions asked. After going through the blogs I came across Paula Newsom’s, she felt the same way I did about Strunk and White’s method for addressing style in their book. According to Paulas blog â€Å"any style book that makes a reader presume that its rules are engraved in stone suggests that there is only oneShow MoreRelatedWhy You Are Looking For Your Writing Style769 Words   |  4 PagesOrgani ze Your Content So You Can Outsource Your Writing.... The best way to outsource content is to organize your topics and ideas. Doing so will allow the writer to have a better idea of your writing style. Make sure to outline the topic of your article, so the writer can write content around your topic. Know What You Are Looking For In order to effectively outsource your writing, you must have an idea of what you are looking for. This means think about the categories you want to includeRead MoreMy Strengths And Weaknesses Of An Effective Student988 Words   |  4 PagesI think this is a great tool because it helped me identify what my strengths are. Since I identified more strengths than weaknesses I saw this self-assessment as a motivation tool. In this lesson, I learned that there can be patterns to your strengths and your weaknesses (Bethel University, 2014). This essay will go over what my strengths and weaknesses were, after taking the self-assessment. After reviewing my weaknesses, I noticed a theme. The theme that stood out is my inability to effectivelyRead MoreWriting Style Fit For All Audiences1291 Words   |  6 Pages Molding A Writing Style Fit For All Audiences My goal is to learn how to make my writing flexible to satisfy different groups while keeping it on point. When looking at my current work and self reflecting I quickly recognized that my writing was sloppy and liberal. Why are my writings producing these kind of results? I formed a conclusion that my High School teachers were to blame. I was so stuck on robotically writing summaries for teachers, including English teachers, that I rarely hadRead MoreMy Writing Style Of Writing905 Words   |  4 PagesThroughout this class I have learn many different writing styles. We used APA form of writing to type our paper and essay. I have also learned that it’s good to take your time and spend more time thinking about what to write, other than just righting a paper right off back. I have learned that it’s not a good idea to write a paper on the day it’s done, that’s more like a ruff daft. My teacher have helped me understand different point of writing. Which all wr iting deal with an ethos, pathos and logos, eitherRead MoreJohn Widemen Our Time Eassy Essay1597 Words   |  7 Pagesseen. His brother Robbie was sentenced to life in prison after being involved in a murder and robbery. Writing a book about his brother was something he had never done before and shows a very interesting approach to getting the reader’s attention. Due to the fact that he had never written a book like this before Wideman had to overcome some obstacles he had never faced before. As Wideman began writing the book he realizes that he has a hard time grasping the fact that he is a successful novelist andRead MoreComm 215 Syllabus Essay1466 Words   |  6 Pages |Essentials of College Writing | Copyright  © 2010, 2009, 2008, 2007, 2006, 2005, 2004 by University of Phoenix. All rights reserved. Course Description This course covers the essential writing skills required for college-level coursework. Students will learn to distinguish between interpretive and analytical writing while using the writing process and specific rhetorical strategies to develop position andRead MoreGraduation Speech : College And University Of Your Choosing920 Words   |  4 Pagesaccepted into the college or university of your choosing. The last six months, a time well spent perfecting your college entrance essays have paid off. The unexpected bliss of deciding your major, and knowing all of your schooling this far has lead you to this monumental milestone in your life. Although you feel prepared, you have lingering thought; did high school English prepare me for the challenges and expectations college professors expect in writing assignments? Unfortunately, â€Å"about 60 percentRead MoreFriendship, By Ralph Waldo Emerson And Friendship Sonnet By William Shakespeare1273 Words   |  6 Pagesmakes him sad and the difficulty dealing with his lost. In these two poems they use different types of imagery, and this makes them unique in their own way. Friendships similarity will be seen through two famous poets using imagery and different writing styles to describe the theme of friendship. In â€Å"Friendship† by Ralph Waldo Emerson he talks about friendship and the relationship we have with that friend. In this work, he says that when two people meet each other who have the same idea of what theyRead MoreWriting Styles Essay example646 Words   |  3 PagesWriting Styles In this essay I will be going into detail about three different writing styles used in health and social care. I will also be comparing the writing styles against each other. Persuasive Writing – Persuasive writing is all about trying to get someone’s attention on something. Persuasive writing use’s specific features which help the information used to become persuasive towards the audience. This could include using present tense, using emotive language, using rhetorical questionsRead MoreReflection Essay1087 Words   |  5 Pagesthat it would mature my writing to a higher level of thinking. This is seen as past experiences in my writing through high school English teacher feedback indicated my writing to be full of flaws. I often would receive feedback on my writing being awkwardly worded or lacking fluidity. The one valuable skill I learned from English 101,102 and 103 was the idea that exposure to different readings, formulas and informal writings give practice, for me to find my own voice in writing. This is especially

Saturday, May 9, 2020

Whatever They Told You About Essay Examples Is Dead Wrong...And Heres Why

Whatever They Told You About Essay Examples Is Dead Wrong...And Here's Why There's no need in making a determination, which health problem or phenomena is more urgent at this time or what's left in the shadows and should be enlightened at least in your essay. The most important idea is the urge to help people. If you're likely to be writing about the way in which the world has changed, it will help to understand what was true before. Regardless of the fact you require to present your whole own life experience, but nevertheless, it is not going to signify that you just can't perform with assorted manners of demonstration. The exact ideal thing about producing an educational essay is the broad number of topics it's possible to choose from. After you've determined the purpose of the paper, it's time and energy to find the crowd. Since you know you are going to be asked about ways where the world is changing, it's possible to produce examples to use on the test in advance. You may find a significant bit of businesses offering example essay. The Essay Examples Game Add key words linked to facts and ideas that you want to include in the essay. The majority of the facts are about the excellent features of the author. It truly is particularly useful if it comes regards a considerable research newspaper of some form of instructional essay that's big sufficient at proportion. So, there are a lot of manners an informative article can be produced. Every paragraph describes one particular point (something special in regards to the author). It's also best to provide more concrete examples. The Appeal of Essay Examples You've got to repeat the thesis that you mentioned in the beginning of your essay for a system to refresh the reader's mind of the principal purpose of the essay. There are 3 primary views that underlie the 3 perspectives you're offered in the ACT essay prompt. There's no best solution on the ideal method to compose a productive essay. When it has to do with writing college essays, it's required to use different approaches to make something successful. Whether or not you require healthcare essay helpor management essay writing help every kind of essay can be finished with expertise by the students. If you are feeling that will certainly cope with it, you're welcome to view some essay samples before you begin. Next, before starting the true essay, an individual ought to consider the thesis statement, which is among the most crucial elements of any essay. The very first stage of writing an argumentative essay is to select the topic. Generally speaking, it's advisable to bear in mind that public health is always concerned with the wellness of the group, instead of the person. Public health creates awareness of health behaviors that may be employed to prevent and lessen the likelihood of infections. Furthermore, public health also works to stop the transmission of disease. Additionally, public health strives to lower the disability and morbidity brought on by non-communicable diseases. Definitions of Essay Examples In 1999, th e united kingdom government document Our Health Nation, has identified a 3 way partnership at a better health. Health education is a critical tool of community health. Public health encompasses virtually every area of day-to-day living, thus, it's difficult to get a definition broad enough to illustrate its complexity. Environmental health is a critical issue for all people of the planet. With a most important motif, the essay will likely possess focus upon which you might build up the remaining part of the paragraphs. You might opt to structure your essay at the start and generate an overview of their principal body of discussion. Your own personal statement might also have length and formatting specifications. Then you are going to roll out details and reasoning in the principal body. Essay Examples Options The main reason it truly is vital that you make sure to may make a broad and extensive scholarship essay is on account of the large benefits that it will possibly pro vide to a scholarship app. After the freedom of the person interferes with that principle, freedom has to be restricted. Among the significant number of essay topics for college students you would like to select only that one in which you are going to be interested. During the course of someone's education, a student is likely to stumble upon the endeavor of writing an argumentative essay.

Wednesday, May 6, 2020

What Makes An Enterprise Nosql Database Different From Non...

What makes an Enterprise NoSQL database different from Non-Enterprise is the way it handles enterprise-class and enterprise scale application. Enterprise NoSQL needs to be secure because security of the modern enterprise is built in such a way that it does not allow user, as well as developers, access to data stored in the database especially its sensitive data. That is why some NoSQL vendors advertise their product as having better security privileges that meet the standards of a number of Government and business programs. Also, its robustness needs to be proven reliable with good uptime to satisfy service level agreements. This is necessary especially to professionals who need to store data without experiencing any data loss or data redundancy. It also needs to meet the needs of ACID which means the enterprise application should be atomic, consistent, isolated, and durable for its transactions that way it enables the support of several document transaction formats. The ability to s upport real-time indexing and full text search is necessary to meet the real-time requests of data in whatever forms or formats the request is received. Modern search capabilities such as wildcards, phrase search, etc. need to be supported by the enterprise NoSQL. That way, all the index functions are updated in real-time. For the purpose of this paper, we are going to focus on these three type of NoSQL database BigTable, Cassandra, DynamoDB. BigTable: What we should know about BigTable;Show MoreRelatedRelational Database Management System ( Rdbms )1210 Words   |  5 PagesRelational database management system (RDBMS) have used for many decades. However, these databases are facing several challenges with the requirements of many organizations like high scalability and availability. They cannot deal with huge amount of data and requests efficiently. As a result, famous organizations such as Google and Amazon shift from RDBMS to NoSQL databases. NoSQL databases have several features that overcome issues. This paper explains features, principles, and data models of NoSQL databasesRead MoreNotes On Hadoop And Mark Logic1638 Words   |  7 Pages How To: Hadoop and Mark logic Before talking about Hadoop and Mark Logic, it is very important to understand Big Data. What is big data, what’s the consequence and how it is linked with Hadoop and Mark Logic? â€Å"Large set of data, unstructured and structured which is created everyday over the internet via different devices is known as Big Data†. For example: â€Å"if the user has 7 accounts and creates multiple files in each account he has already created large set of dataRead MoreDatabase Management Systems That Are Used For Non Relational Database2878 Words   |  12 PagesOverview NoSQL is generally interpreted as â€Å"Not only SQL† [1]. It is a class of database management systems that are used for non-relational database. Typically NoSQL database does not use two-dimensional table to store data. The four generally categories of NoSQL database are key-values database, column databases, document databases, and graph databases [2]. NoSQL database is an indispensable part of big data. Most company choose NoSQL database because it yields better performance when comparedRead MoreThe Internet Of Information Technology3102 Words   |  13 Pagessystem Figure 2 RFID tag is widely used in manufacturing and logistic industry RFID is a type of automate identification and data capture technology (AIDC), which use wireless frequency to get the related data from object, and recognize it. (Ashton, 2009). It is not necessary to make a physical contact between objects in IoT to load data (it allows hundreds of meter to load data), and the data can be transferred correctly and fast. (Gershenfeld, Raffi, Danny, 2004). RFID tag can be used at manyRead MoreBig Data Belongs In A Warehouse Not A Silo4480 Words   |  18 Pagesstored in numerous ranging traditional database tables and spreadsheets to SMS text messages, PDF files, HTML web pages and more. While the value in capturing and analyzing this data is clear, the solution is not. Traditional data warehouse technologies were not designed for this volume, velocity and variety of data, which is collectively referred to as big data. Some people believe that the answer to challenges posed by big data lie in a relatively new group of non-relational data storage and managementRead MoreA Survey On Nosql Database And Relational Database2545 Words   |  11 Pagessurvey on NoSQL database and relational database. (Under the direction of DR. JIANPING FAN) NoSQL database, also called as not only SQL database, is using a different data storage and retrieval mechanism from the relational tables adopted by traditional relational database management system. 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Sylvia Plath Poetry Notes Free Essays

Sylvia Plath Plath’s poetry depicts her quest for poetic inspiration and vision: In her early poems, like ‘Black Rook’, Plath sees inspiration as transcendent, something that would announce itself to her from the external world. Plath’s language implies that she awaits a visitation of beauty, like the Annunciation by the angel in the Bible. Plath longs for an occasional ‘portent’ or ‘back talk from the mute sky’. We will write a custom essay sample on Sylvia Plath Poetry Notes or any similar topic only for you Order Now She doesn’t believe in religious epiphany; but she uses Christian language as an analogy to convey her longing. Her longing is for even brief moments of revelation from things, nature or the universe: ‘As if a celestial burning took possession of the most obtuse objects now and then—Thus hallowing an interval otherwise inconsequent’. Throughout the poem ‘Black Rook’, Plath uses ‘fire’ and associated words as an analogy for poetic inspiration or vision. See the extended note on this point in Imagery below. In ‘Black Rook’, Plath is resigned to the fact that inspiration involves a ‘long wait’. The euphoria of inspiration is ‘rare, random’ and brief. By the time Plath Wrote ‘Finisterre’ four years later, she had ceased to seek or discern enlightenment or any transcendent reality in nature and the universe: ‘Our Lady of the Shipwrecked †¦ does not hear what the sailor or the peasant is saying – She is in love with the beautiful formlessness of the sea’ [Finisterre] . Instead, she discerns: ‘Black admonitory cliffs’ and ‘Souls, rolled in the doom-noise of the sea’. Plath’s perception of the world is therefore very bleak. In the poem ‘Mirror’, the poet’s quest for beauty and vision has turned inwards. She gazes inwards towards the self. She seeks despairingly for enlightenment through self-examination. What she finds appals her: ‘A woman bends over me, searching my reaches for what she really is†¦ tears and an agitation of hands’. In ‘Pheasant’, Plath declares her atheistic stance: ‘I am not mystical. It isn’t As if I thought it had a spirit. It is simply in its element. ’ However, Plath shows that not all her poems are bleak. She experiences the aesthetic beauty of nature. She enjoys the beauty of a natural creature in its environment: ‘It unclaps, brown as a leaf, and loud, Settles in the elm, and is easy. ’ In ‘Elm’ Plath probes her subconscious, and states she is saturated with self-knowledge. Plath experiences harrowing visions within the inner self. Plath invents a demon in her subconscious that gives her a very self-destructive vision: ‘I am incapable of more knowledge. What is this, this face So murderous in its strangle of branches? — Its snaky acids kiss. It petrifies the will. These are the isolate, slow faults That kill, that kill, that kill. ’ [Elm] In ‘Poppies in July’, Plath seems so emotionally exhausted that she has given up the rational pursuit of the truth or any kind of vision. She longs for drugged relief, for a ‘colourless’ state: ‘Where are your opiates, your nauseous capsules’. In ‘Child’ Plath has lost the capacity to find beauty for herself: ‘this troublous Wringing of hands, this dark Ceiling without a star’ But she feels a desire to provide visions of wonder and beauty for her infant’s eye: ‘I want to fill it with color and ducks, The zoo of the new’ [Child] Plath explores her own depression. Plath is exhausted and aimless: ‘not seek any more in the desultory weather some design†¦ this season of fatigue’ [Black Rook] Plath predicts her own fading away, destruction or ‘effacement’: ‘I’m no more your mother than the cloud that distils a mirror to reflect its own slow effacement at the wind’s hand’ [Morning Song] Plath uses a bleak landscape to portray her own despair: ‘This was the land’s end: the last fingers, knuckled and rheumatic, Cramped on nothing. Black Admonitory cliffs, and the sea exploding With no bottom, or anything on the other side of it, Whitened by the faces of the drowned. Now it is only gloomy, a dump of rocks†¦ Bay of the Dead’ [Finisterre] Plath reveals intense grief: When they free me, I am beaded with tears’ [Finisterre] Plath confesses her deep anguish: ‘She rewards me with tears and an agitation of hands’ [Mirror] Plath is very self-critical: ‘I trespass stupidly. Let be, let be. ’ [Pheasant] Plath’s fears becomes ever more nightmarish: ‘I am terrified by this dark thing that sleeps in me’ [Elm] Plath reveals that she is inflicting suffering on herself: ‘Is it for such I agitate my heart’ [Elm] Plath confesses the traumatic effect of electric-convulsive treatment: ‘I have suffered the atrocity of sunsets. Scorched to the root My red filaments burn and stand, a hand of wires’ [Elm] Plath confesses that isolation and lack of love haunt her: ‘I am inhabited by a cry. Nightly it flaps out Looking, with its hooks, for something to love’ [Elm] Plath reveals that she is becoming powerless to deal with her illness: ‘Its snaky acids kiss. It petrifies the will’ [Elm] Plath has moments when she longs to escape her mind through drugs: ‘Or your liquors seep to me, in this glass capsule, dulling and stilling’ [Poppies] How to cite Sylvia Plath Poetry Notes, Papers