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BIOTEC - Biotechnology Center TU Dresden. You want to write your thesis on of Gay Essay, a bioinformatics topic? Then have a look at the proposed topics below. If you like a topic, then first read any suggested literature and use the links below to essay find at The Legalization of Gay Marriage Essay least one other relevant paper. Once you have done this, please send me a short email stating which topic you want to do, the papers you have read, and essays, your background. Then we can meet to discuss supervision in The Legalization of Gay Marriage Essay detail. Broadly, the arousal definition, bioinformatics group works in two main areas: Structural protein interactions and ontologies for The Legalization, textmining.

Bio: Characterising interaction interfaces at magdalene the sequence level. The Legalization Of Gay Essay! www.SCOPPI.org is poet e cummings, a database of structural protein interactions. It is Marriage Essay, based on structures deposited in PDB. There is still a huge gap between the number structures and the number sequences available. One way to definition close this gap will be to characterise interfaction interfaces at the sequence level. To this end, the Essay, student will analyse the sequence profiles and residue composition of monsters, interaction interfaces for The Legalization, selected superfamilies in what of the of yorktown SCOPPI. The resulting characterisation will be evaluated against existing structures and Marriage Essay, interactions and essay on stereotypes, used to predict interaction interfaces of sequences with unknown structure. The Legalization Essay! Requirements: SQL and Python.

Bio: Defining an interaction matrix and computing interface alignments from sequences. This topic is hicksian demand, related to the one above. The Legalization Marriage Essay! SCOPPI contains a list of all interacting residue pairs involved in university domain-domain interactions. In a similar way to PAM and BLOSUM, these interacting residue pairs can be used to Marriage Essay define an interaction matrix. This interaction matrix can then be used to try to align two interfaces of of mary, interacting proteins. The Legalization Of Gay! The method will be evaluated on known interactions in PDB and was the significance of yorktown, used to predict interactions in sequences with unknown structure. Requirements: SQL and Python (or other programming language) Literature: Henschel et al. Marriage! Bioinformatics 2006 and Kim et al.

PLoS Computational Biology, 2006, Winter et al. Hicksian Demand! Nucleic Acids Research, 2006. Bio: SCOPPI, evolution and the kingdoms of The Legalization of Gay Essay, life. Theory Definition! The evolution of interaction interfaces is The Legalization, a hot topic. Are interaction interfaces more conserved than the rest of the non-functional surface? How to define non-functional surface?

How do interaction networks compare between different species? Do interaction interface co-evolve? The student will answer these problems in the context of the SCOPPI database. Requirements: Python, SQL. Literature: Henschel et al. Bioinformatics 2006 and Kim et al. Poet E Cummings! PLoS Computational Biology, 2006, Winter et al.

Nucleic Acids Research, 2006. Bio: Mapping gene expression data onto of Gay Marriage Essay protein interactions. Often gene expression data is clustered without knowing why the gene may have similar profiles. To relate the genes beyond mere clustering additional information should be considered. In MedMiner, the profiles are e.g. enriched by hicksian demand functional annotations from GeneOntology.

In this project, the student will complement such as approach and link the The Legalization, expression data to protein interaction data. This approach will be tested on pancreas tumor gene expression data in on stereotypes collaboration with the of Gay Marriage, medical faculty and of california, Resprotect. Marriage! Requirements: Python, SQL. Literature: Dawelbait et al. Of Mary! Computational Life sciences, 2005 and Winter et al. Nucleic Acids Research, 2006. Bio: Bioinformatics for Atomic Force Microscopy. The Legalization Of Gay Marriage Essay! With atomic force microscopy proteins can be pulled out of essay, a membrane and the necessary force can be measured (for details see Mueller lab). Marriage! The force curve give insights into essays, the structure of the membrane protein. Bioinformatics can help to The Legalization of Gay Marriage understand unfolding.

For multiple experiments force curve have to be aligned and essay, peaks have to The Legalization Marriage be identified. Which interactions within the protein, between helices, between unfolding barriers, between protein and membrane are responsible and can explain observed unfolding pathways? Requirements: Python, SQL. Hicksian Demand! Literature: Marsico et al. Bioinformatics 2006, Marsico et al. Computational Life Science 2006. CS: Detecting GeneOntology terms in Essay literature abstracts. Texting And Driving! GeneOntology is a taxonomy of The Legalization Marriage, vocabulary in molecular biology. Recently, many tools annotate output using GeneOntology terms, which will make it possible to cross-reference different tools. An important problem concerns the texting essays, identification of GeneOntology terms in free text. The Legalization Marriage Essay! The task will be to the story of mary write an algorithm, which is fast and performs well.

It will be applied to of Gay abstracts in hicksian demand literature database PubMed. Initially, a linear time algorithm needs to be developed to find exact matches. But this will miss many terms, which occur in Marriage slight variations in texting the free text. Therefore, the of Gay Marriage, next step will comprise an analysis of GeneOntology (e.g. do terms often end with very general words like Activity, which can be safely ommitted), which will then lead to arousal theory a more refined algorithm to of Gay pick up GeneOntology-terms. Of California Vs Bakke Summary! Literature: Doms et al. The Legalization Marriage! Nucleic Acids Research 2005. Poet E Cummings! Requirements: Programming experience in The Legalization of Gay Marriage Essay Java and MySQL. Essay! CS: Visualising interaction networks. Of Gay! Protein interaction networks are scale-free, which means that there are a few highly connected nodes and many nodes with low connectivity.

Currently, most authors use force-directed graph drawing to poet e cummings layout these graphs. The results are poor. Of Gay Marriage! The thesis will develop a novel approach exploiting some features of these graphs to and driving obtain a good layout. Requirements: Programming experience in Java. Literature: Bolser et al. BMC Bioinformatics 2003. CS: Visualise and of Gay Essay, analyse author networks in SWISSPROT and PubMed. SWISSPROT contains references to literature with some 160.000 authors. Analysing the network of co-authorship can be very useful to in literature define topics and areas and of Gay Marriage, discover trends.

Such a author network can then e.g. be analysed in terms of and driving, function of the underlying proteins investigated. The Legalization Of Gay Marriage Essay! Requirements: Programming experience in Java. Biotechnology Center of the hicksian demand, TU Dresden | Imprint | Intranet | Last modified 16.04.2015.

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Pro School Uniform Persuasive Essay Essays and The Legalization of Gay Marriage, Research Papers. ? School Uniforms : Agree or not? Uniforms are globally used at schools around the world, especially . schools in Asia. In Asia, the policy of wearing uniform enforces strongly during school hours and summary, whenever at schools . The policy is enforced because schools want to teach discipline to their students and prevent unanticipated troubles at school . The policy of school uniforms is not completely implemented in the United States, especially public schools . According to the US Department of Education. College , Dress code , Education 2016 Words | 9 Pages. Running head: PROS OF SCHOOL UNIFORMS Pros of School Uniforms Crystal . L. Beigle University of Phoenix Persuasive Essay Comm 215 Marie Thiers August 30, 2010 Pros of The Legalization of Gay Marriage Essay School Uniforms By the term school uniform , we mean the same dress every single individual student wear in vs bakke, the domain of Marriage Essay school . The school uniforms are the basic need of the present day society and every school must make compulsory to wear the uniform in the domain of school . On Stereotypes! School uniforms are the symbol of equality. Dress code , Education , Inferiority complex 1015 Words | 3 Pages. many schools around the world enforce uniforms , requiring students to wear specific clothing. School . uniforms , which was first established in 16th century England, are a topic of much debate in the public school system of the United States. Many people feel that uniforms reduce competition among students and of Gay Essay, bring a sense of unity in school . People who are against school uniforms think that they prevent students from expressing themselves and inhibits creativity. Many students dislike school uniforms.

Clothing , College , Dress code 1067 Words | 3 Pages. Pros and Cons of School Uniforms Trina Warren Liberty University Professor Mink GRST 500/501 June 17, 2013 . Abstract The decision for arousal definition school district to enforce school uniforms has been in existence since the of Gay Marriage, 16th century. School uniforms were originally created for poor children; however, over time, schools saw uniforms as a way to bring students together. There has been debate whether uniforms improve academic success while reducing affiliation of violence. There is opinion and study. Dress code , Education , Elementary school 1524 Words | 5 Pages. Pros on arousal definition School Uniform in Public Schools. Brian Richards Pros on school uniforms in public schools . School . uniforms are a great way to maintain a level of social equality amongst students of of Gay all schools . It is said by many, that a professional uniform appearance in school children maintains and promote good discipline. Uniforms can dictate how children express themselves, which result in both positive and texting, negative feedbacks amongst their peers.

However the The Legalization of Gay Marriage, consequences of not wearing uniforms in school has often times proven too. Clothing , College , Education 830 Words | 3 Pages. Abaya English 1301, 1:45pm Class 9-25-2012 1124 School Uniforms : Convenience or Conformity As children we always seem to be . told love who you are and be yourself. For instance, as a child how many of you were so excited to university of california summary, pick what to wear for the day, to feel that sense of control and to know you could show up to school and The Legalization Marriage, say this is me and I love who I am! However, on the other side of the fence, you have another student that has a uniform , who is not being given the option to dress as. Apple Inc. , Clothing , Dress code 1134 Words | 3 Pages. Persuasive: Education and School Uniforms. ? Persuasive Speech Plan J Roeder Topic: Children in . public schools should wear uniforms . Arousal! Point Deductions ___Topic Approval ___ Plan ___ Speech to Group Note Cards ___ Speech to GroupPresentational Aids ___ Speech to Group Outline ___Self-Review Thesis: Not only do uniforms help the parents get them ready in the morning, but can also be safer for kids who might bring items to The Legalization of Gay, school they shouldnt.

Clothing , Crime , Dress code 475 Words | 3 Pages. Topic: School Uniforms PRO Source: http://712educators.about.com/cs/schoolviolence/a/uniforms.htm Every . University Summary! school is in of Gay Marriage, essence a learning environment. That which aids learning is acceptable, and arousal, that which hinders it should be unacceptable. The Legalization Of Gay Marriage! Add to hicksian demand, this the The Legalization, fears of school violence and student safety and poet e cummings, you can see why many school boards are calling for The Legalization school uniforms . In this article we will look at and driving school uniforms and the potential benefits and Marriage, problems associated with school uniforms along. Clothing , Dress code , Education 1281 Words | 4 Pages. Characteristics of a Powerful Essay There is no single technique for writing a respectable essay . In fact, essays . of the highest quality often handle the same subject matter quite differently. Be that as it may, there are various characteristics that differentiate good quality essays from dire ones.

An examination of poet e cummings Keith Kings essay , Should School Uniforms be Mandated in Elementary School ? -which is neither for nor against school uniforms - shows how characteristics general to all essays collectively determine. Dress code , Essay , Essays 1268 Words | 4 Pages. School Uniforms : The Answer to Help Improve Safety and Create a Better Learning Environment for The Legalization of Gay Marriage Essay Public Schools in . America Danielle Grider Ivy Tech Community College ENG111-15H-H1 April 15, 2012 Wendy Kruger America Public schools across America are searching for ways to magdalene, improve safety, the Marriage Essay, sense of hicksian demand equality and to also help parents save money. One way to Essay, improve all these. Dress code , Education , High school 1888 Words | 5 Pages.

Pros and and driving essays, Cons on School Uniforms In the many schools around the world, whether it being public or . private, to elementary to high schools , no matter what kind of schools , they are all eligible for acquiring school uniforms . School uniforms can have a positive impact on of Gay Marriage Essay the school by essays, changing the factors that cause problems among the students. Essay! By having school uniforms mandatory, many changes of a students behavior can change. Theory! For example, when students are obligated to of Gay Essay, wear uniforms , they would. Abuse , Clothing , Education 2702 Words | 7 Pages. ESSAY ON SCHOOL UNIFORM Imagine being able to poet e cummings, wake up every morning, roll out of bed, put on the same thing you . wore the day before, and head off to The Legalization, school . Not only poet e cummings would you be able to do such a thing, but all of Essay your friends were doing it, too! Sound too good to be true? Well, it's becoming more common in our society as school uniforms have gone beyond private schools to public schools . Arousal Definition! Uniforms have a positive effect on students' self-esteem, attendance, discipline, and Essay, test scores. They have. Clothing , Dress code , Education 1157 Words | 4 Pages. WINSTON Writing a Persuasive Essay by Katie B. of Holmes High School in Covington, Kentucky . Hicksian Demand! Uniforms Reduce Problems INTRODUCTION Students enrolled in a public high school should be Opinion statement required to wear a school uniform . Many studies show that Summary of reasons when school - uniform policies are put into place, there is an The Legalization Marriage Copyright by Holt, Rinehart and Winston.

All rights reserved. improvement in both attitude and poet e cummings, schoolwork. Wearing uniforms would also reduce. All rights reserved , Appeal to The Legalization Essay, emotion , Better 377 Words | 2 Pages. years now, parents, local politicians, the school board, and about every high school student has been debating over essays something so . small to the public but a major issue to the students. Marriage! Well, all the controversy is about school uniforms and the story of mary, if high school students should be required to of Gay Marriage Essay, wear them. Hicksian Demand! Because of their low cost, business casual appearance, and means of reducing distraction of the learning process, as a high school graduate, I feel school uniforms contribute positively to the learning environment. College , Dress code , Education 1031 Words | 4 Pages. School Uniforms. Persuasive essay arguing AGAINST implementation of school uniforms. School Uniforms Individuality is The aggregate of qualities and characteristics that distinguish one person or thing from of Gay, . others, as in Monotonous towns lacking in individuality. The Story! or She was so absorbed by the movement that she lost all sense of individuality.

This quality of being an The Legalization of Gay individual is exactly what schools , as havens of self-discovery and hicksian demand, development, should be encouraging most. The Legalization Marriage! The schools , however, are now attempting to of california, limit students' self-expression by The Legalization Marriage Essay, implementing a uniform. Clothing , Dress code , Education 904 Words | 3 Pages. Pros and Cons for School Uniforms. Should: One of the chief benefits of school uniforms , say proponents, is that they make schools safer. . Uniforms are said to reduce gang influence, minimize violence by hicksian demand, reducing some sources of The Legalization Marriage conflict, and help to identify trespassers. The Story Magdalene! Parents benefit because they are no longer pressured to buy the latest fashions, and they spend less on their children's clothing. Having a uniform stops gang members from displaying their colors and of Gay Essay, garb. The schools also believe it helps stop violence and helps. Clothing , Dress code , Education 808 Words | 3 Pages.

Persuasive Essay: Should public schools implement a school uniforms. of implementing a school uniforms is a controversial and lingering subject facing many of the school systems in the . Summary! United States. The Legalization Of Gay Marriage! Many people see that numerous problems exists within the public school system and they think that school uniform would be a good solution these problems. School uniform is a positive concept in public school because of many advantages such as, a cost savings by eliminating name brand clothing, student security, school spirit and simpler daily school preparation. First. Education , High school 785 Words | 3 Pages.

Pros and Cons of Wearing School Uniforms. Wearing school uniforms seems like an outdated concept for most people living in The States. Essay On Stereotypes! Unless a student attends private . school , wearing uniforms isnt normally practiced by Marriage Essay, children and families. However, around the university of california vs bakke, world, wearing school uniforms is actually the norm. Students enrolled in schools that require school uniforms generally perform quite well academically, and seem content wearing the same outfit every day. There are many benefits to wearing school uniforms that public schools. Clothing , Dress code , Education 827 Words | 4 Pages. High School and Persuasive Essay Topics. 101 Persuasive Essay Topics By: Mr. Morton Whether you are a student in need of a persuasive essay . topic, ora teacher looking to assign a persuasive essay , this list of 101 persuasive essay topics should be a great resource.

I taxed my brain to The Legalization Marriage, create this huge list of persuasive essay topics relevant to today's society, but I believe I am happy withthe results. I appreciate any and all comments or feedback. 1. Should students be allowed to of mary magdalene, have cell phones in elementary and high schools. College , Education , Fast food 1105 Words | 4 Pages. Benefits of School Uniforms School violence has long been an issue in schools around the world. The Legalization Marriage! . School violence does not limit to physical attacks or bullying, but also to theft and of mary, vandalism. Groups have always formed into cliques. The popular people, the jocks, the drama or computer geeks all flock to The Legalization of Gay Marriage, each other because that is where they feel accepted. Poet E Cummings! As the The Legalization Marriage, saying goes, Jealousy is the and driving, root of all evil. There will always be someone who longs for anothers belongings: especially in schools . Name. Dress code , Education , Education issues 890 Words | 3 Pages. Persuasive Essay on School Uniforms.

PERSUASIVE ESSAY TOPIC: ENFORCED UNIFORMS Ever stop to think about what might be best for your . The Legalization Of Gay Marriage! kids? Or whats best for you? Many people havent thought of all the great things enforced uniforms have to offer, until they read about it at least. On Stereotypes! Its been an Essay ongoing battle between school faculty and students for years now and so far not a lot of progress has been made. The school board maintains the control because they run the school but the students have done a lot of texting and driving essays petitioning. Clothing , Dress code , Education 539 Words | 2 Pages. Estevez April 8, 2013 Persuasive essay Mandaory School Uniform Have you thought about The Legalization Marriage . Poet E Cummings! how your family, your home, music and even television have influenced you on the way you behave or even dress? While I was in middle school it was mandatory for all students to wear uniform and I loved it, i felt welcome into the school and since every one had to wear the same thing no one was bullied and i became a straight A student sice i would only focuse in school . Then high school came along and I hated.

Clothing , College , Dress code 802 Words | 3 Pages. Persuasive Essay: Pro-choice Abortion. Destinee Riggs Professor Camila Alvarez ENC1101 T 6:35-9:00pm 485 words Persuasive Essay : Pro -choice . Abortion In 1973 in the United States in the Roe V. Wade decision, the supreme court ruled that women, in consultation with their physician, have a constitutionally protected right to The Legalization of Gay Essay, have an abortion in the early stages of pregnancy- that is, before viability- free from university of california vs bakke summary, government interference. Of Gay! (Guttmacher Institute) This did not spark the controversy of the the story, topic, however. Can you remember. Abortion , Abortion debate , Birth control 871 Words | 3 Pages.

parents believe that school uniforms hinder students personal liberties. 34% of parents say that uniforms also . [hamper] self-expression and creativity. 23% of schools in The Legalization Marriage, the U.S. [require] school uniforms ( School Uniforms Statistics). Maybe your school is arousal definition one of those schools that require uniforms . Of Gay Marriage Essay! I bet youd rather be able to pick what you wear to the story, school . Maybe your school is one of those schools thats considering uniforms and you dont like the The Legalization Marriage Essay, idea. I dont like uniforms and I strongly believe. Dress code , Education , School uniform 744 Words | 3 Pages.

School Uniforms : Too Much or What We Need? University of Phoenix Many students today fear that the heart of a . controversial issue involving school uniforms will become an issue in their school . Some educators feel as though school uniforms are actually the texting, answer to keeping our schools safe, making our students happy, and The Legalization, making our schools a better learning center. Most students and on stereotypes, some parents feel as though school uniforms will take away a students individuality, fear that they are. Clothing , Dress code , Education 1793 Words | 5 Pages. School Uniforms Stacey Parmer English Comp July 22, 1012 Theresa Barbieri Abstract School . Of Gay Essay! Uniforms In todays society students are dealing with issues like the increase in poet e cummings, youth and gang related violence, bullying, and youth suicide. Many of these issues start in the school system and as a result can affect a students grades, attendance, and behavior. Of Gay Marriage Essay! It is believed by some that a good starting point to gain some kind of control over students behavior and reduce the violence is by implementing. Clothing , Dress code , Education 1267 Words | 4 Pages. If you have ever walked into a public school you would see something very important - individuality. In the Merriam-Webster Dictionary . individuality is defined as, the sum of qualities that characterize and distinguish an individual from all others. Poet E Cummings! Mandating students to wear school uniforms takes away from The Legalization Marriage, their freedom of definition expression. Many believe that one of the advantages to school uniforms is that all students would be recognized as equals and that there would be less of a division.

Clothing , Crime , Dress code 924 Words | 3 Pages. Pros and Cons of School Uniforms Final Draft Paper. Mrs. Weger English 4 10 March 2013 Pros and Marriage Essay, Cons of School Uniforms Many people wonder if required . uniform really have an impact on and driving students in school . The use of The Legalization Marriage Essay school uniforms in schools has been a controversial matter ever since Long Beach Unified School District first introduced and and driving essays, required them back in 1994 (Jet). May statistics have proved that schools that require school uniforms in their dress code policy improved in many different aspects, but some believe that these requirements. College , Dress code , Education 918 Words | 3 Pages.

Persuasive essay on school uniforms. students do not support school uniforms ; however they do not know the benefits in wearing them. Believe it or not, there are a . lot more pros than cons when it comes to wearing school uniforms . The Legalization Of Gay Essay! First off, school uniforms will develop a better teaching and texting and driving, learning environment. The Legalization Of Gay Essay! They will also save families a good deal of money. And lastly, school uniforms will eliminate a lot of bulling and labeling. A school would be a better place, for magdalene teachers and students, if school uniforms were required. The most. Clothing , Dress code , Education 478 Words | 2 Pages.

School uniforms should be required in public schools because their use would lead to higher education, less . violence, and The Legalization, lower cost to on stereotypes, parents. School uniforms in public schools are becoming increasingly popular across the nation. Of Gay Marriage! The public school system would benefit greatly if this policy were to vs bakke, be adopted. Opposition is always a factor when trying to make changes. Taking all things into consideration, the positive effects would be far greater than the negative effects. The Legalization! Most teenagers, when. Clothing , College , Dress code 1988 Words | 5 Pages. 16 April 2012 School Uniforms What should I wear today? This is magdalene a question I ask myself every day as a high . school student.

What if students didnt have to pick out what they wore every day? What if they already had their outfit picked out for them? With school uniforms , students wouldnt have to go through the stress of The Legalization Marriage finding what to wear. There are many good things that would come out of students wearing school uniforms . Essay! I believe making students wear school uniforms would be better. Clothing , College , Dress code 888 Words | 3 Pages. Unit 6 project part 2 Annotated bibliography Boutelle, M. (2008). UNIFORMS : Are They a Good Fit?. Education Digest, 73(6), 34. The . article discusses the pros and cons of of Gay Marriage schools adopting mandatory school uniforms for students. The article emphasizes the positive aspect of schools adopting a dress code that requires student uniforms , including an increased focus on academics rather than clothing fashions. The author also addresses exceptions to such rules, including students who opt out of the.

Dress code , Education , First Amendment to the United States Constitution 712 Words | 3 Pages. Uniforms in the School Environment: Can Clothing Really Effect Your Education? Going to public schools all my . life, I heard the gossip of of mary fashion and whose wearing what,pretty much everyday; at Marriage Essay least in on stereotypes, the four years of of Gay Marriage high school where it seemed that looks mattered the most. University! As people grow up, the The Legalization of Gay Marriage Essay, way they present themselves becomes more and more important. Leaving a good mark in high school means a lot to some people, and some are ready to do whatever it takes to make that mark, whether. Clothing , College , Dress code 1637 Words | 4 Pages. A school uniform makes it easier for the school authorities to recognize students belonging to their . On Stereotypes! school . Authorities can also make out if someone doesn't belong to of Gay, a school , if someone just manages to sneak in; unless, of course, they go through all the trouble of buying a uniform that fits! A school uniform also saves the school administrators from having to 'police' what the students wear. There are no daily battles regarding what's appropriate to wear or not for school . A school uniform. Clothing , Dress code , Education 2163 Words | 7 Pages. No School Uniforms Nicole Ferrin Comm/215 October 3, 2011 Michele Watson No School Uniforms . When shopping for texting and driving essays school clothes, many parents have the constant battle with their child of how well their clothes should match other children. In todays society children are choosing to The Legalization Marriage, fit in by what they wear, rather than who they are.

Schools choose to have uniforms so that parents can cut cost down for school clothes, and children can stop worrying about which designer label they have to have. Anxiety , Clothing , College 928 Words | 3 Pages. Rogers Middle School in arousal theory, Californias Long Beach County School District began discussing the idea of a school -wide . Essay! uniform policy. That fall, Will Rogers became the first school in Long Beach County to have a mandatory uniform policy. Other schools in the district soon followed drawing national attention, including a personal visit from then President Clinton. Recent memories of school shootings around the the story of mary magdalene, nation caused President Clinton to urge other school districts to move to uniforms in The Legalization of Gay, his 1996. Crime , Dress code , Education 1799 Words | 6 Pages. 2013 Debate on School Uniforms ( Pro -Con Essay ) Do you think certain types of clothing promote . violence or gang activities?

Or do different clothing distract classmates from learning in classrooms. According to an article in Current Issues: Macmillan Social Science Library School Uniforms : . [A] case of academic improvement following a school uniform policy is that of the Long Beach California Unified School District, one of the texting and driving essays, first districts to The Legalization of Gay Marriage, require student uniforms in grades K-8 in. Clothing , Dress code , Education 883 Words | 3 Pages. English 1301-01 4 January 2011 School Uniforms More than half of texting elementary, middle, and high . schools in America wear uniforms . Whether school uniforms should be worn by The Legalization of Gay Marriage Essay, children is an hicksian demand undecided factor in of Gay Marriage, society today. Poet E Cummings! Carroll Jumana and Stephen Daniels have unique opinions expressed throughout, determining the positive and negative aspects of of Gay Marriage wearing school uniforms . Does a uniform make a different in children education? This essay will address social values, the legal principle. Dress code , Education , Education issues 1145 Words | 4 Pages. mandatory school uniforms is a raging topic in our country.

Proponents of school uniforms conclude . Hicksian Demand! that there are many potential benefits to mandatory school uniforms , while opponents heartily challenge their claims. Potential benefits include: socioeconomic equalization, reduction in student violence and theft, restriction of Essay gang activity, and poet e cummings, improved focus in classrooms. Although these benefits would vastly improve our public education system, there is no clear evidence that school uniforms improve. Education , Education in the United States , High school 939 Words | 3 Pages. Persuasive Essay Comm/215 Instructor: Linda Boyer Created By: Kimara Appling Implementing School . Uniforms Individualism is a fundamental value in the U.S.A. We as Americans, believe in the rights of having freedom of speech and to express our own opinions without having the The Legalization of Gay Essay, fear of essay on stereotypes being judged or punished by other individuals. Wearing school uniforms help show what school the students belongs, helps the teachers, faculty, and employees have guard against The Legalization Marriage Essay, intruders and lessen the economic. Better , Clothing , Dress code 943 Words | 3 Pages.

SCHOOL UNIFORMS In his hopes to create an poet e cummings atmosphere in our school that promotes discipline and order and . learning, President William Jefferson Clinton stated, I believe we should give strong support to school districts that decide to require young students to wear school uniforms . Essay! He cited several incidents where student's desire for poet e cummings another's fashionable attire has led to extreme forms of violence (Clinton 1996). This exemplifies one of the many implications of a necessity for school uniforms. Dress code , Education , High school 1707 Words | 6 Pages. Essay #2 High school is a hard time for students everywhere. Teens have concerns over friends, boyfriends, grades, and most of . all fitting in.

Some believe that forcing students in public schools to The Legalization, wear school uniforms would create better academic outcomes, better behavioral outcomes, and university vs bakke summary, a sense of belonging to The Legalization Essay, their peer around them. However, wearing school uniforms have many important cons. Arousal! It inhibits creativity and individuality, stifles self-expression, not to mention they are expensive. Clothing , College , Dress code 1046 Words | 3 Pages. ? School Uniforms If public school students had one thing over private school students, that would . be the freedom to choose what they wear to school . Of Gay! It could soon be hard to tell the two groups apart with more and more public school going to theory, mandatory uniforms . According to former President Bill Clinton in his 1996 State of the Union Address, If it means that teenagers will stop killing each other over The Legalization of Gay Marriage designer jackets, then our public schools should be allowed to require the students to wear. Clothing , Dress code , Education 2072 Words | 9 Pages. ? School uniform PRO CONS 1. Save time take u more time . to washing by hand than picking up, youre unorganized, ch?m ch?p. 2. Have good memory can wear ao lop when u take picture 3. No discrimination u think rich ppl are more than poor ppl. They still have their group, they arent lonely, dont have to suffer that feeling. Arousal Definition! 4. Marriage! While school uniforms might eliminate choice-related stress, they also limit the. Clothing , Dress code , Education 750 Words | 3 Pages.

Require Uniforms , Reduce Bullying In public and private schools , students are constantly being judged on what they wear and how . Texting Essays! they look. These judgments influence students to pick on The Legalization of Gay Marriage others and induce bullying. Vs Bakke! If schools make uniforms mandatory, this cause of bullying would be eliminated, thus reducing the number of bullying incidents. The Legalization Of Gay Marriage! Therefore, school uniforms should be required for all students because they will reduce bullying, relieve stress and the story of mary, make school a safer place. People are judged.

Abuse , Bullying , Choice 779 Words | 2 Pages. Wearing uniforms to Marriage Essay, school will be the best decision you could ever make as a parent for your child. There have been debates on . why students should or shouldnt wear uniforms . I have been a student that was assaulted because of jealousy of the on stereotypes, fact that I wore the latest fashion. I feel that this could have been avoided if it was mandatory for student to of Gay Marriage Essay, wear uniforms . This is a very important topic to be exercised or discussed because our children can be affected by a decision that we as parents. Clothing , College , Dress code 1210 Words | 3 Pages. Uniform is a standard set of arousal clothes that is worn by The Legalization of Gay Essay, a group of people. Hicksian Demand! They may be members of an organization or a group of people having the . Of Gay Essay! same ideas. On Stereotypes! There may be thousands kinds of uniform in the world. Students, police officers, doctors, lawyers, teacher, security guards and many others will wear uniform when they are on duty. The Legalization Of Gay Essay! Boys' uniforms often consist of dark trousers and light-colored shirt, maybe a jacket in cold weather. Texting And Driving! A girl's uniform might consist of a skirt and blouse, and also.

Clothing , Dress code , Education 1097 Words | 3 Pages. School Uniform Persuasive Essay by of Gay Marriage Essay, Javairia Haq. School Uniform Persuasive Essay At a school , a . child wearing a stained ragged-patched up sweat shirt and old tired pants full of poet e cummings disgusting mud stains, she goes to her locker quietly, suddenly after getting out her books, five older students surround her. The oblivious teachers and distracted staff dont even bother noticing older pupils ridiculing the young girls outfit, teasing and tormenting the The Legalization of Gay, juvenile girl about poet e cummings her revolting clothes till she cries. Bullying , Clothing , Dress code 752 Words | 2 Pages. college. To go to college, you have to go to of Gay, high school and elementary school . If you drop out or dont go to . Arousal Theory! school at all, youll go nowhere. Life today, money is everything, and I think that the The Legalization Essay, foundation of getting a good job is the education you get in the first 20-25 years of your life. School does not only poet e cummings teach subjects like English, Math, History, or Science, but it also lets us meet new people and build good character.

Stay in school , because it will help you meet new people, build. College , Educational stages , Employment 942 Words | 3 Pages. what da hell let me sign up man I just want essays . Rainy day This year the The Legalization Marriage Essay, summer season was unduly long and extremely hot. It was July, the summary, . The Legalization Of Gay Marriage! schools had reopened. The scorching sun and the extreme heat had made life unbearable. Going to the school , studying in the class or playing on the ground all seemed to be a punishment. One morning, clouds .Rain is a great blessing after the summer heat. Poet E Cummings! In India the scorching heat of the The Legalization of Gay, summer months of the story of mary May and The Legalization Marriage Essay, June causes great suffering to animal and plant-life. College , High school , Rain 1430 Words | 4 Pages. Should School Uniforms be Mandatory in hicksian demand, Schools ? There are many reasons that school should have . The Legalization Of Gay Essay! uniforms . Definition! Some of the Marriage, reasons that schools should have uniforms are that they can decrease the amount of hicksian demand violence in school . School uniforms should also be mandatory in Essay, schools because it helps the of mary, school look more organized, it lowers the risk of kids getting bullied for their clothes and it can help the school be safer. The Legalization Of Gay Marriage! School uniforms should be mandatory in both Catholic and on stereotypes, public schools . Today.

Bullying , Clothing , Dress code 838 Words | 3 Pages. Thesis: School uniforms should be required in all schools , private and public, because students will be in a safer . The Legalization Of Gay Marriage! environment, uniforms will help to resist peer pressure, and students will focus more on school work. 1. Students will be in a safer environment A. Reduces conflict stemming B. Reduces the poet e cummings, risk of students being robbed C. The Legalization Of Gay Essay! Helps school administrators identify nonstudents, trespassers, and other visitors in the hallways who stand out in the crowd 2. Uniforms help to resist peer pressure . Dress code , Education , School uniform 1221 Words | 4 Pages. . Today we will discuss about school uniforms in the Netherlands. Should they be required at schools or not? I . would like to hear from both parties whether they are favor or against. PvdA begint met het zeggen van dat ze voor zijn. Hicksian Demand! Jinte Amy Amy: Jinte and I are from the PvdA and we are favor because we think that everyone should be equal. The Legalization Of Gay Marriage Essay! PVV staat daarna op en zeggen dat ze tegen zijn. Carmen Julette Carmen: Juliette and the story of mary, I are from the PVV and we are against because we think that everyone. Clothing , Dress code , Education 1567 Words | 5 Pages. The Need for School Uniforms A safe and structured learning environment is the first requirement of a good . school . Children who feel safe and secure will better learn basic American values.

In return they will learn the The Legalization Marriage, basis of good citizenship and essay, become better students. The Legalization Of Gay Marriage! In response to growing levels of violence in our schools , many parents, teachers, and school officials have been forced to look toward school uniforms as one potentially positive way to reduce discipline problems and increase. College , Dress code , Education 1580 Words | 6 Pages. author of Pros and Cons of School Uniform , Children invariably tease those who do not have trendy clothes.. The . world we live in today is simply materialistic. Mainly females are constantly conscious about their appearance, and arousal, of their choice of mainstream fashion. This, however, will not be a problem if everyone wears the same attire. Essay! School uniforms are a positive thing for numerous reasons which benefit the students themselves, their future, and the people around them. Texting And Driving Essays! School uniforms promote. Clothing , Dress code , Education 875 Words | 3 Pages.

However, most public schools are turning to something more casual and The Legalization, more acceptable to parents and students: khakis or jeans and knit shirts . of varying colors. The latter appear to be more affordable too because they can be used outside of on stereotypes school . Many school districts that have implemented school uniforms have provided some sort of financial assistance for families that can not afford the extra expense. 2. Of Gay Marriage Essay! Potential Benefits of School Uniforms ? Decreasing violence and theft because of clothing. Clothing , Dress code , Education 1191 Words | 4 Pages. Hayden Leach Ms. Layton American Literature February 25, 2010 School Uniforms Many students in hicksian demand, America are forced to wear a . uniform to school every day, and it violates some of their basic rights. School uniforms should not be mandatory in public schools , as they cause more problems than they solve, are expensive for The Legalization Essay students and of mary magdalene, schools , and suppress individuality.

School uniforms are in some cases, extremely expensive and The Legalization Marriage Essay, quite pointless, seeing as how they do not accomplish what they say. Dress code , Education , High school 1289 Words | 4 Pages. normal day of school and already knowing what is going to be worn that day and the day after that. Such imagery is not so far off from reality. . Speaking, of course, about spreading the and driving essays, idea of school uniforms from the private schools to the public school system. Former President of the United States, Bill Clinton, was very adamant about putting discipline and Marriage Essay, learning back in university vs bakke, our schools in his 1996 State of the Union address, through adding a school uniform policy in public schools . Even today. Dress code , Education , High school 984 Words | 3 Pages. issue of school uniforms in todays public schools is Essay a silent but very controversial issue, Gaining momentum with . school administrators and parents debating on university of california vs bakke whether or not to convert their public schools . The Legalization Of Gay Essay! With academics on arousal definition a decline compared to the world average, (Wu, Elaine) along with school violence at its highest that it has ever been.

The United States is Marriage Essay a seeing a change towards school using school uniforms to essay on stereotypes, help solve many problems associated with public schools . School uniforms in todays. Dress code , Education , High school 1732 Words | 5 Pages. OPINION/ ARGUMENTATIVE ESSAYS ESSAY ANALYSIS: School uniforms must be compulsory. Do . you agree or disagree with this opinion? Individualism is a fundamental value in the United States.

All Americans believe in the right to express their own opinion without fear of punishment. This value, however, is coming under fire in an unlikely place the public school classroom. The issue is school uniforms . Should public school students be allowed to make individual decisions about clothing. Clothing , Dress code , Education 631 Words | 3 Pages.

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Susan M. Inez is hicksian demand a professor of English and writing goddess based out of the Northeast. Writing goddess? Meet the of Gay Marriage, Empress of Special Education at Kingman Middle School in Kingman, Arizona. Of Mary Magdalene! We#8217;re happy to help! Glad you found the inspiration you needed.

Can I read what you wrote? That sounds fabulous! I believe that tattoos should be allowed at any age with or without parents permission its just perminant ink on of Gay, your skin most kids do it with pen so whats the big dead fam. Poet E Cummings! That sounds like a stance you could definitely defend in a persuasive essay #8230; just make sure you have some evidence to The Legalization Essay, back it up! Thanks for reading #128578; I think you might find this topic a little bit limiting because there aren#8217;t very many reasons *not* to poet e cummings, spay or neuter a pet. It#8217;s not a debatable topic for The Legalization Marriage, most reasonable pet ownersthe answer to topic 1, for most people, is a simple #8220;yes.#8221;. If your goal is to be debatable, you could push this topic even further by hicksian demand, arguing that pet owners should be required to pay fines if they choose not to spay/neuter a pet (unless they#8217;ve applied for a breeder#8217;s permit or something).

That#8217;s one idea. That said, if you are writing more of an expository essay that doesn#8217;t need to be fully debatable (and is more intended to be informative), then I would suggest you go with topic 2 as this gives you more to write about in your body text. The Legalization Of Gay Marriage Essay! Hope this helps and hicksian demand, happy writing! It is The Legalization Essay fun to hicksian demand, write an essay about the things that you are more interested. THANKS to my English teacher i now know how to write an Essay essay and i advice other peoples to practice how to write an essay. THANKS for hearing g my opinion. That awesome that your English teacher is so helpful. Yay for amazing English teachers! You are right choosing a topic that#8217;s actually interesting to the story of mary magdalene, you makes the writing process so much better. Thanks for the comment! glad to be friends and please express your self to me in any way that you want PLEASE!

I am very interested to children learnings. I want to read them different stories at the same time make them understand the morals and Marriage Essay, values of the story. However, some children may not understand the on stereotypes, words. Marriage! How will I make it as my topic for my research? I don#8217;t know how to the story, construct a sentence for that. Im not good in english yet. If you#8217;re writing a persuasive essay, you could write about the topic #8220;Should the of Gay Marriage Essay, government fund universal pre-K to improve early childhood reading skills?#8221; That is texting and driving essays a broader approach. If you#8217;re most interested in Essay, writing about poet e cummings your own personal initiatives for teaching children to read, you could write a persuasive essay that attempts to convince a local school district (or another more local entity) to Essay, support/create volunteer reading programs for young children. Texting And Driving Essays! I hope these ideas help! i have a cochlear implant and I found a topic for persuasive that I could write about is Marriage Essay why shouldn#8217;t kids or teens not wear earplugs to listen to music- it could damage the nerves of their hearing.

It sounds like you could write quite an interesting persuasive essay on that topic, great idea! thank you but I changed my mind, I am doing why 3 meals a day is better than one meal. Poet E Cummings! I need to know how to do an attention grabber. Hmm#8230;depends a bit on the angle of Essay your paper (i.e. Essays! whether you#8217;re arguing that 3 meals is better for managing hunger/appetite or something else), but one way to start would be to Marriage, vividly describe the feeling of hunger! You can find lots more hook ideas here (if you add your email address to the field at the bottom right, we#8217;ll send you 14 examples): https://www.kibin.com/essay-writing-blog/good-hook-sentences/ im 12 and these are great topics i seen in history. Awesome! Thanks for the comment #128578;

Hi, can you help me in my assignment. How can I explain every paragraph in Practice And Uphold Positive Attitude by Lee Am. Magdalene! Both of these posts will help you explain/analyze the text without just summarizing #128578;

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Formation Of The Bank Negara Malaysia Finance Essay. FORMATION OF BANK NEGARA MALAYSIA. The Central Bank of Malaya Ordinance 1958 (CBO) was passed on 23 October 1958, while the Central Bank of Malaysia was set up on Marriage Essay 24 January 1959. Meanwhile, the Banking Ordinance, 1958, which provided for the licensing and hicksian demand regulation of the business of banking in the Federation of Malaya, also came into force. Of Gay Marriage! The CBO was revised in 1994 and essay is now the Central Bank of Malaysia Act 1958 (CBA). Bank acts as the 'middleman' between those who want to lend and those who want to borrow. Bank accepts deposits and uses those deposits into lending activities, either directly or through capital markets.

Customers with capital deficits are connected to the customers with capital surpluses through bank. The banking system, including commercial banks, investment banks, and Islamic banks, is the primary collector of funds and they also act as the main source of financing which supports economic activities in Malaysia. The non-bank financial intermediaries, including development financial institutions, provident and The Legalization pension funds insurance companies, and takaful operators, bring the on stereotypes banking institutions to perfection in assembling savings and meeting the financial needs of the economy. Bank Negara Malaysia (the Bank), which also known as the Central Bank of Malaysia, is at of Gay Marriage, the top of the monetary and financial structure of the country. The main objective of the Bank is to promote monetary stability and financial stability beneficial to the sustainable growth of the Malaysian economy. Its key functions as set out in essay on stereotypes, the newly enacted Central Bank of Malaysia Act 2009 are to: - plan and carry out monetary policy in Malaysia; - issue currency in of Gay Essay, Malaysia and essay keep reserves safeguarding the of Gay Marriage value of the vs bakke currency; - standardize and control the financial institutions which are subject to the laws enforced by the Bank; - provide supervision over money and foreign exchange markets; - exercise control over payment systems; - promote a secure, advanced and general financial system; - hold and manage the foreign reserves of The Legalization, Malaysia; - promote an exchange rate system consistent with the fundamentals of the economy; - Act as financial adviser, banker and texting and driving financial agent of the The Legalization Essay Government; and.

- influence the credit situation to the benefit of the country. Financial or Bank fraud is an act of cheating to obtain money, assets or other property that owned or held by the financial institution. Poet E Cummings! It is an intentional act of fraud involving financial transactions for purpose of personal gain. In many cases, fraud is a criminal offense and it is also a civil law violation. As the banking fraud law is different than the jurisdictions, the of Gay Marriage Essay term bank fraud is applies to the actions that make use of a scheme or tricks but not the bank robbery and theft. As for this, bank fraud is sometimes known as the white-collar crime which those who involve in essay, such complicated financial transactions are mostly business professionals with specialized knowledge and criminal intent. (Bank Negara Malaysia, 2010) Those frauds are targeted all people regardless the backgrounds, ages and income levels. Even though there are on-going awareness programmes that held by the relevant authorities and media reporting about the situation of The Legalization of Gay Marriage Essay, victims of financial fraud, but there are still a lots of people consciously or unsuspectingly fall into the traps of the poet e cummings of those fraudsters. There are too many frauds happen in Malaysia banking system nowadays. Although there are campaigns that organised by authorised party but still there are many people fell into the trap of those fraudster. These frauds cases are increasing in Malaysia which it will lead to poor management and failure in banking system as more and more people get scammed by those fraudsters.

Thus, a research on frauds that happen in Malaysia banking system is needed. This is to of Gay Essay, ensure that more people will aware of the frauds and will get rid of it. There are many kinds of banking services that provide by university vs bakke summary, the banks. Through this research, the public can understand more on the functions and the pros and cons of the banking services. This is mainly to identify the fraud cases that usually happen in banking systems of Malaysia. There are many kinds of frauds happen in Essay, the banking system. There are ways to overcome fraud that happen in the banking system will be mention in this research. Preventions in essay, those frauds will help the bank to increase their reputation.

Those preventions help the banks to reduce the fraud cases. When the fraud cases decreasing, there will be more and more people bank in to the bank and always trust and choose the of Gay Marriage Essay bank as their priority choice. With the above objective, the following question will be used as guidance during the research process: - 1) What are the on stereotypes functions of those banking system? 2) How frauds happen in banking system? 3) How to overcome fraud in banking system? 4) How those preventions help the banks? In this research, it discusses on the functions of of Gay Marriage Essay, using the banking system and theory frauds.

Generally, we have to know more about the banking system. Hence, it is necessary to analyse the functions and of Gay Essay pros and hicksian demand cons of the banking system. With more knowledge that we gain from the understanding about the system, it is easier for us to avoid being the frauds' victims. Beside, the The Legalization of Gay Marriage Essay research also will analyse on frauds that happen in the banking system like, credit cards frauds which need ways to overcome it. Under this research, the important things is that this will benefits the public as this can treat as a kind of knowledge so that they will not fall into the fraudster's traps in future. Chapter 2: Literature review.

Banks offer many different channels to access their banking and other services. They enable customers to access to their system easily. For examples, Automated Teller Machine (ATM), internet banking and mobile banking are those channels that customers always access to. Definition! Fake lotteries, advance-fee frauds, get-rich-quick schemes and internet investment schemes are also some of the favourite ways that fraudster used to set their traps to of Gay Marriage, attract public to fall into with their hard-earned savings easily. New varieties of poet e cummings, these scams appear all the of Gay time. (Bank Negara Malaysia, 2010) As fraudster might be some specialist in Information Technology (IT), therefore they have many ways to contact their potential victims that which include face-to-face interaction, by hicksian demand, post, phone calls, Short Message Service (SMS) and emails. Bank fraud that happened may be involved either insiders or outsiders to a bank. Insider bank fraud happened is because of someone who works inside the bank has access to the restricted areas or information inside of the financial institution. Insider bank frauds are difficult to prevent as there are so many people on the positions which are accountable for the banks money. The collapse of the international bank, the Bank of of Gay, Credit and on stereotypes Commerce International (BCCI), highlighted the problem of insider fraud. Insider fraud has highlighted in the collapse of banking institutions around the world.

It was happened since the The Legalization financial liberalization of the texting 1980s as Insider fraud was in many ways ease by the liberalization. Marriage! (Pro Economics, 2010; bustathief, 2010) Insider fraud happened in various ways. Bank employee steals customers' personal information in order to vs bakke, sell the information to third party or to make fraudulent purchases by using a stolen identity is one of the of Gay Marriage Essay frauds that usually happened inside the hicksian demand banks. For example, a car park attendant who works at KL Sentral with monthly salary of RM1100 has been declared bankrupt by of Gay Essay, the High Court due to arousal definition, she failed to settle a bank loan for a RM167,000 Toyota Estima which she claims that she never bought. (L. Goh, 2010) A loan officer within a bank might creates fake documents, false entities, or lies about the ability of the borrower to repay the The Legalization of Gay money that they borrowed, but actually they are not intended to repay. For example, banks borrow loans to fake borrowers or borrowers who are candidates that appointed of an insider. Insider fraud emphasizes the point about go beyond of definition, fraud prevention and prudential supervision. The opportunity for fraud presents itself whenever people are put in a position to handle large amounts of money and it is always a serious threat in the bank as there are daily transactions that have been made. Banks and financial institutions always update their security to Marriage Essay, prevent insider fraud happen.

Although the there is a decline in the documented cases and the computer tracking and improved the banking security have prevent the fraudulent practices, the threat still exists and the insider fraud still happen. According to Bingham LJ on essay on stereotypes BCCI, it has been identified that bank's auditors could voluntarily disclose wrong doing to the regulators as one of the weakness of The Legalization of Gay Marriage, UK bank's regulation. Actually, they have no rights to do so. When a bank's auditors found anything which gives the auditor reasonable cause to believe that the minimum criteria for authorization are not being fulfilled, the auditor are required to report to the regulators since 1994. Hicksian Demand! It is The Legalization Essay likely to on stereotypes, be material to exercise of the regulators' function. Fraud by outsiders may be at the expense of the bank cheque, credit card, and mortgage fraud are simple examples or may involve fraudsters using banks and the banking system to facilitate their schemes or to secret their gains. As regards the first, England has yet to emulate some other common law jurisdictions by enacting a general offence of fraud, i.e. The Legalization Of Gay Marriage! dishonestly deceiving another for gain, with a suitable jurisdictional basis. It is necessary to theory, draw on The Legalization of Gay Marriage Essay a range of disparate provisions such as theft, deception, false accounting, forgery, and conspiracy. (Pro Economics, 2010; bustathief, 2010) According to French bank Society Generale,A due to university of california vs bakke, the stock market was unstable during that time, it has help the The Legalization Essay bank discovered a $7.14 billion fraud which can say that it is one of the history's biggest fraud which is theory committed by a 31 years old futures trader, J. Kerviel, whose plan of the fake transactions. When the European equity markets brought losses, he hides them by changing the data in of Gay Marriage Essay, the bank's computer systems. He made big bets on the European markets by using more money than he was authorised to wager.

As he worked in the security control department which monitors transaction before, so he managed to escape detection by texting and driving, using the knowledge gained because he knew that when the security checks were coming, and he managed to covered his tracks by Essay, creating fake transaction. Of Mary Magdalene! At the Marriage beginning of January 2008, Kerviel bet that the European equity markets would rise. But, instead of rise, the of mary European equity markets were dropped and this increasing his losses to the maximum point that he could no longer cover them. (A E. Vandore, 2008) There is another cases where the real estate developer and the vice president and loan officer make fake loan by using others people name. Of Gay! A real estate developer from Putnam County admitted in federal court that he worked together with a United Bank executive to obtain $4.4 million in borrowing fake loans. Donald R. Carter II, 38 years old, of hicksian demand, Poca, was pleaded guilty to one count of bank fraud and one count of tax avoidance. Carter pleaded guilty via information, which generally indicates that a defendant is Marriage Essay cooperating with the government.

As part of his appeal deal, Carter acknowledged that he bought 23 undeveloped lots in the Lamplighter Valley subdivision in Lewisburg in November 2005 for approximately $18,600 per lot. Carter intended to build spec homes on the lots, which are homes that are built by a developer without a buyer already lined up. These type of university of california summary, loans represent an increased risk to the lender, which is generally offset with stricter underwriting requirements and a higher interest rate on The Legalization of Gay the mortgage, Carter's specification states. Together with Roy Leon Cooper, a vice president and loan officer at the story magdalene, United Bank's Fayetteville branch, Carter developed a scheme to use his friends and family members as straw buyers to obtain mortgages on the properties. United's individual lending limits and The Legalization Marriage his own financial situation prohibited him getting the loans on his own behalf, according to essay, the condition. Carter paid each person whose name he used to get a mortgage and construction loan $15,000, the stipulation states. Although it would appear to United Bank that the straw buyers were building 'second' homes in Lamplighter for their own use and enjoyment, none of the straw buyers ever intended to move to the Lamplighter subdivision or treat the new construction as a second home, the stipulation states. The Legalization! Further, none of the straw buyers intended to pay the mortgage payments or participate in the construction of the home. In fact, Carter made all of the mortgage payments and and driving controlled all of the of Gay construction loan proceeds. Carter provided Cooper with trips to Las Vegas and use of poet e cummings, a 2005 Toyota Sequoia as a reward, prosecutors said.

Eventually, Carter received loans worth more than $4.4 million, and he had drawn down and of Gay took more than $1.9 million for hicksian demand personal use, which included paying gambling debts. By October 2006, Carter had partially built only four homes, which United Bank sold at a loss, according to the stipulation. The bank is still underwater on The Legalization of Gay Marriage mortgages for 11 undeveloped lots. Carter also admitted that he owed more than $400,000 in back taxes. He faces up to 35 years in prison when sentenced by Berger on the story magdalene May 5. These are the types of cases which inspired the creation of the President's Financial Fraud Enforcement Task Force, said U.S. Attorney Booth Goodwin in a prepared statement.

This type of fraudulent conduct can be devastating to communities. It threatens the dreams of homebuyers and ultimately undermines the The Legalization of Gay Essay security of our financial system. (Andrew Clevenger, 2011) 2.2 Automatic Teller Machine (ATM) Fraud. ATM is a machine that dispenses cash and sometimes takes deposits without the need for human bank teller. Some ATMs provide additional services. ATM allows customer to do their banking transactions from almost every other ATM machine in the world. (Automatic teller machine, C. Robat, 2006) It is unsecured to use ATM as the potential for identity theft is a major disadvantage. ATMs do not require the customers performing the transactions to poet e cummings, present their picture identification. What the customers can do is just insert their bank card and enter their personal identification number.

If their bank card is of Gay Essay stolen and the number ascertained, an unauthorized person can easily access the account. Arousal! There is no privacy as people may try to spy on users as delicate information appears on the screen, without the user being aware. Fraudulent card readers, called skimmers, are placed over the authentic reader to transfer numbers and codes to nearby thieves. Spy cameras are also used by password voyeurs to collect access codes. Lost access cards are another potential for fraud.

No doubt that the ATM perform faster than the human teller. However the ATM is cannot provide personalized instruction to the user in a way that a human teller can. This can result in longer wait times if the The Legalization of Gay Marriage Essay user currently using the machine is struggling to complete a transaction. (Disadvantages of Automatic Teller Machines, M. Wolfe, 2010; The Disadvantages of Automatic Teller Machines, D.B. The Story Magdalene! Ryan, 2009) In the 1st half year of The Legalization Essay, 2009, card fraud losses down 23% to £232.8m. There are several factors that have contributed to the fall in the card fraud figures.

In UK, the chip and PIN has makes the fraudster more difficult to of mary magdalene, commit fraud on their bank cards. Since the industry collation of fraud losses began in 1991, the losses at UK retailers are down by of Gay Marriage Essay, 26 per university of california vs bakke summary, cent from the same period last year; mail non-receipt fraud fell by 33 per cent; and lost and stolen card fraud is down by 6 per cent to its lowest level. The Legalization Of Gay Marriage! (Financial Fraud Action UK announces latest fraud figures, Financial Fraud Action UK, 2009) The Federal Trade Commission states that people are not accountable for of california the illegal use of their bank card, if it is reported immediately. Consumer may lose all their funds in an account if the loss is not noticed immediately and of Gay notice is not given before money transfers are made. Essay! According to the U.S. Federal Trade Commission, if there are any incorrect withdrawals noted on monthly statements, the The Legalization of Gay Essay consumers must report it to the bank, or else consumers are responsible for the amounts, even when removed by fraudulent means. Additionally, the poet e cummings banking industry continues to of Gay Marriage Essay, work closely with the retail community to raise awareness of the ways in hicksian demand, which retailers can protect their chip and PIN terminals from criminal attack. (Financial Fraud Action UK announces latest fraud figures, Financial Fraud Action UK, 2009) 2.3 Development in Telecommunication and Information technology. 2.3.1 Cyber Crime and telecommunication crime.

Since the electronic evolution in the telecommunication and The Legalization Marriage Essay information technology, internet banking has become more and more popular and important to essay on stereotypes, the working people as they can pay their bills much more easily as they do not have to wait for a long queue just to pay for the bills. PC-banking or desktop banking that provided by the banks has become the favourite way for customer to repay their bills or do online transaction on their personal computer. The introduction of internet banking actually did provide more opportunities and new challenges to the banks. Regardless of all these possibilities, the growth of the internet banking have been slow down due to there are a variety of Marriage Essay, psychological and behavioural issues such as trust, security of Internet transactions, unwillingness to poet e cummings, change, and preference for the internet b human boundary. That is why the suitable action that taken by the bankers and policy makers to solve these critical issues will determine the success of internet baking. Due to there is difficult to check the identities and legality of the individuals and companies, this virtually make the of Gay Essay fraudsters can redirect the visitors to those unreal sites and steal the personal financial information easily. By using the poet e cummings international dimensions of web, it is easier for those fraudsters to hide their real location and this will lead to the internet fraud growth faster than others. According to the statistics from CyberSeurity Malaysia, the cybercrime activities are increasing and becoming more money-motivated. The Legalization Of Gay Essay! The current threats are exposing of university, systems through automated tools and online fraud, including identity theft, said by the chief executive officer Lt Col (R) Husin Jazri. In July 2007, there are 45 percent of the reported incidents are related to the system intrusion while 34 percent are online fraud.

During 2006, the 2 categories of Essay, frauds have made up about 86 percent of all reported incidents. He also said that, previously these cyber threats were done for excitations, but now are done for financial gains purpose. Hackers, fraudster and criminals are working together, across borders. (Izwan Ismail, 2007) Phishing is arousal theory definition a technique of The Legalization of Gay Essay, trying to acquire sensitive information like usernames, passwords and credit details by pretending as a trustworthy entity in an electronic communication. The telecommunications that usually used by those fraudster are those popular social websites, for examples Facebook, Twitter and Friendster, auction sites, online payment processors or Information Technology (IT) administrators that are commonly used to lure the unsuspecting public. Phishing is texting normally carried out by e-mail or instant messaging, and The Legalization Essay it always direct users to enter details at texting, the fake website which looks and feels are almost same as the of Gay legitimate one. According to Husin, the phishing attack utilised a social engineering tactic. The hacker will keep sending spam e-mail and messages as like those e-mails and messages were sent by those well-known local bank.

The fraudulent e-mail uses convincing words to magdalene, trick people into clicking on a link that will direct the users to a phishing website or fake e-banking website. As the fake website looks exactly like the original website, the customers are tricked into entering their confidential information like their e-banking usernames and of Gay Marriage passwords on the fake page. From there, the phishing attacker could conveniently steal usernames and passwords from those unsuspecting bank customers. (The Star, 2009) 2.4 Debit and Credit card Fraud. Debit cards are linked directly to our back account. Hicksian Demand! We can use them to buy goods or withdraw cash and the amount is taken from your account right away. The card holder can also use debit cards to get 'cash back' from of Gay Marriage Essay shops when you buy goods and also ask for money back from the cashier, although not all shops offer this.

The total amount is of california vs bakke straight away deducted from yours account. When using cash machine or paying for goods with a debit card you'll need to The Legalization, enter your PIN (personal identity number). Essay On Stereotypes! When buying goods you usually enter it into an electronic hand held device, but in some cases you may have to sign. Most bank accounts offer debit cards. Most debit cards double up as 'cheque guarantee cards', guaranteeing that your cheque will be honoured by your bank up to a stated amount. (Directgov, 2011) If you go overdrawn, the charges that you need to pay will depend on whether or not you have an authorised overdraft arrangement with your bank. Of Gay Essay! If you do, you will pay the agreed amount of interest at the end of each month. This is usually much lower than interest charged on credit cards.

If you do not have an overdraft agreement, or you exceed the agreed limit, your bank may allow the payment to go through but you'll usually pay much higher fees than if you had an agreed overdraft. University Of California Summary! (Directgov, 2011) (a) Advantages of using Debit card. In UK, we no need to Essay, carry lot cash with us when we are going out. This is because about every merchant or shop also will accept the debit card including the dollar store and some thrift shops. Thus, we do not need to worry about losing cash or misplacing it. If our purse or wallet is stolen, our money is safe since the perpetrator would need out PIN number to access our fund. With debit card, we do not need to make a trip to bank every time we want to withdraw money. We can use our card anywhere we go, and if we need the cash, we can access our money at an ATM machine anytime no matter day or night. (A.Bodine, 2006) (b) Disadvantages of using debit card. We always have to keep our account up-to-date and accurate. We have to hicksian demand, record every transaction that we have made so that we will know what our bank account balance is all the The Legalization Essay time. If we do not keep records, we might face that risk of definition, overdrawing our account which will result in of Gay, bank fees.

If we just need to buy food or pay for cheaper things, we cannot just hand the hicksian demand debit card to the store or stall as they will not have the machine to do so. The Legalization Essay! Then, we have to poet e cummings, drive to the nearest ATM machine to draw the money out and pay for of Gay Marriage it. Some ATM machines will charge additional fees for using another ATM machine. On Stereotypes! (A.Bodine, 2006) Credit Card is an of Gay Marriage Essay, Automatic advanced card, when you used it, you can get the goods you bought without paying for it yet. Arousal Definition! A credit card is a form of borrowing. The Legalization Of Gay Marriage! Firms lending money to customers must be licensed by the Office of essay on stereotypes, Fair Trading (OFT) under The Consumer Credit Act 1974.

The Act requires certain credit and hires agreements to The Legalization of Gay Marriage Essay, be set out in arousal theory definition, a particular way and to containA relevant information for the person borrowing. Credit cards allow us to 'buy goods now and pay later' - called 'buying on credit'. They aren't linked to our bank account. Like debit cards, they can be used to buy goods in shops over The Legalization Essay, the telephone and internet, with the same details being required.A You can also get a 'cash advance' by drawing money at bank cash machines. Poet E Cummings! Credit cards are a widely used source of convenient credit for of Gay Marriage Essay restaurants, hotels, mail order, on-line shopping, gasoline stations, grocery stores, dental and medical care, church bazaars, as well as telephone and on stereotypes television advertised products. There are many advantages and disadvantages of using credit cards, but the Essay consequences of misuse can be drastic and painful.

Your bank may offer you a credit card, or you can apply for magdalene one to Essay, any institution offering one. The credit card provider will normally run checks to see if you've had problems repaying debts before offering you one (called a 'credit check'). And Driving! (Directgov, 2011; A. Paulino, 2008) (a) Advantages of Credit card. By using credit card, we do not need to carry large sums of cash when we are away from home, and when we need money, we can often receive a cash advance or have the option of buying traveler's cheques with a credit card. -Places that are suspicious of personal checks often take credit cards. -Credit cards act as a short-term loan if you find something that is The Legalization of Gay Marriage Essay a bargain and essays haven't the cash or balance in your checking account to pay for it. -If you move to a new place, credit cards give you purchasing power until you establish yourself as a good risk in Marriage, a new community. -If you charge an essay, item or service that costs $50 or more in Colorado (or within 100 miles of your home) and later discover it doesn't work or has other problems, you can withhold payment from the credit card company if you have attempted to of Gay Marriage Essay, resolve the problem with the merchant. -You often get the best rates of exchange when traveling in foreign countries if you use your credit card for purchases and hicksian demand your ATM card to get cash. Check with your card issuers about of Gay Marriage Essay, surcharges before you leave on your trip. A two to three percent surcharge may eliminate this advantage.

-Credit cards can help coordinate receipts for tax purposes. -Bookkeeping is reduced to one monthly bill as opposed to checks. Some people have been swindled by giving their credit card numbers to essays, dishonest salespeople over the phone. It becomes a loan when the credit becomes due and you do not pay for it. Adding monthly interest charges means you pay more for The Legalization the goods and services.

Consumers often have more than one credit card and each one has a credit limit. When the credit limits for all cards are added up, the university total can be in the thousands of dollars. Consumers can fall into of Gay, the habit of using credit cards to extend their income. Credit cards are easier to use than applying for magdalene loans even when a loan from a credit union, bank or other financial institution may provide the funds at a lower interest rate. risks of using a credit card. Think carefully before using a credit card. If you don't repay your bill in full by the date shown you're charged interest on the whole amount of the bill for that month. The rates of The Legalization Essay, interest - indicated by the APR (annual percentage rate) - can be very high indeed. If you take cash out with a credit card you're charged daily interest from the moment you take out the the story of mary magdalene cash until the credit card bill is paid in full. Of Gay! This is an hicksian demand, expensive way of borrowing money. Some credit cards also charge you an annual fee simply for of Gay Essay having the card.

If you can't afford to repay your credit card bill you could quickly fall into debt. Find out more about what to look out for the story magdalene with credit cards in our related article below. Chapter 3 Research Methodology. Cyber Crime and telecommunication crime. Debit and The Legalization Essay Credit card Fraud. Financial Institution Fraud.

A theoretical framework is a collection of interrelated concepts, like a theory but the framework is not necessarily worked-out well. It is a foundation for the parameters, or boundaries, of a study. Once these themes are established, researchers can seek answers to the topical questions they have developed on broad subjects. A theoretical framework will help to guide you on your research, decide on hicksian demand what things you will measure, and what statistical correlations you will look for. The Legalization! With a framework, they can resist getting off track by digging into information that has nothing to hicksian demand, do with their topic. Often researchers are curious about broad subjects but with a theoretical framework they can stay tightly within the The Legalization theme or topic. (Stephan 1996) Obviously, theoretical frameworks are critical in deductive, theory-testing sorts of studies. Magdalene! In those kinds of studies, the The Legalization theoretical framework must be very specific and well-thought out. Surprisingly, theoretical frameworks are also important in exploratory studies, where you really do not know much what is going on, and are trying to learn more.

There are two reasons why theoretical frameworks are important here. First, no matter how little you think you know about a topic, and how unbiased you think you are, it is possible for a human being not to have preconceived notions, even if they are of a very general nature. For example, some people fundamentally believe that people are basically lazy and untrustworthy, and you have to kept your wits about you to avoid being conned. These fundamental beliefs about human nature affect how you looks things when doing personnel research. Theory Definition! In this sense, you are always being guided by a theoretical framework, but you do not know it. Marriage! Not knowing what your real framework is can be a problem. The framework tends to guide what you notice in an organisation, and what you do not notice. In other words, you do not even notice things that do not fit your framework. We can never completely get around this problem, but we can reduce the problem considerably by simply making our implicit framework explicit. Vs Bakke! Once it is explicit, we can deliberately consider other frameworks, and try to see the The Legalization Marriage Essay organizational situation through different lenses. VariablesA are characteristics of cases.

They are attributes the qualities of the cases that we measure or record. Vs Bakke! For example, if the cases are persons, the variables could be sex, age, height, weight, feeling of The Legalization Marriage, empowerment, math ability, etc. Variables are called what they are because it is assumed that the essays cases will vary in their scores on these attributes. For example, if the variable is age, we obviously recognize that people can be different ages. Of course, sometimes, for a given sample of people, there might not be any variation on The Legalization of Gay some attribute. For example, the on stereotypes variable 'number of children' might be zero for all members of this class.

It's still a variable, though, because in principle it could have variation. In any particular study, variables can play different roles. Two key roles areA independent variablesA andA dependent variables. Usually there is The Legalization of Gay Essay only one dependent variable, and it is the hicksian demand outcome variable, the one you are trying to predict. The Legalization Marriage! Variation in the story of mary, the dependent variable is what you are trying to explain. Marriage Essay! For example, if we do a study to poet e cummings, determine how frauds happen in banking services, frauds is the dependent variable. The independent variables, also known as the predictor or explanatory variables, are the factors that you think explain variation in the dependent variable. In other words, these are the The Legalization of Gay Essay causes. For example, people will think that most of the frauds happen because the bank staffs sell their customers' information to others. So, Insider frauds are the poet e cummings independent variables and the fraud is the dependent variable.

There are actually two other kinds of variables, which are basically independent variables, but work a little differently. These areA moderatorA andA interveningA variables. A moderator variable is one that modifies the relationship between two other variables. Secondary data is information that already collected for general needs such as census data and it is readily available in published form. (M. McCraken, 2005) Secondary data which is also known as desk research, becomes the most common research method employed in the industry today. It involves processing data that has already been collected by another party.

With this form, researchers will consult previous studies and findings such as reports, press articles and previous market research projects in order to come to Marriage, a conclusion. The relatively low expense in comparison to primary research is the main advantage of of mary, this research as no new research needs to be commissioned. However, its main disadvantage is that the data used in the analysis may be out-dated and therefore return inaccurate results. Furthermore, previous studies may not have targeted the of Gay Marriage Essay exact issue that the current research requires. (DJS Research, 2011) 3.1.1.1 Advantages of hicksian demand, Secondary data.

(1) Time saving and Cost saving. The time used for researching using the secondary data collection techniques is far less if compared with the primary data collection technique because it allows the researchers to of Gay, analyze the poet e cummings information directly cited from the sources without any data collection process to be carried out. It is comparative cheaper by collecting secondary data than primary data as it avoids high costing, which is usually needed in primary data collection technique such as printing, labour and of Gay postage cost. Moreover, it is not guaranteed that there will be any feedback given by the respondents. It consumes a lot of the story magdalene, labour and Marriage Essay expenses to carry out the primary data as after the data collection, the company have to hired people to analyse the data that have been collected and make it into vs bakke, report and all this is time and cost consuming if compared to the secondary data. It is more convenient as compared with primary data collection techniques because it is possible to avoid unnecessary complexity and complicated procedures such as constructing questionnaires and follow up actions. It provides easier ways to of Gay, obtain data through internet search engine and library. However, it is poet e cummings necessary o evaluate the quality sources and data available as the existence of disadvantages in the secondary data collection technique must not be overlooked.

The main disadvantages are categorized as below. b) Disadvantages of secondary data. The reliability of published statistics may vary over time. It is not uncommon, for example, for the systems of collecting data to have changed over time but without any indication of this to the reader of published statistics. Geographical or administrative boundaries may be changed by government, or the The Legalization basis for stratifying a sample may have altered. Theory! Other aspects of research methodology that affect the reliability of secondary data is the The Legalization Essay sample size, response rate, questionnaire design and modes of analysis. (FAO Corporate Documentary, 2011) Researchers have to be aware of vested interests when they consult secondary sources. Those responsible for their compilation may have reasons for wishing to present a more optimistic or pessimistic set of results for their organisation. It is not unknown, for example, for officials responsible for estimating food shortages to exaggerate figures before sending aid requests to arousal, potential donors. Similarly, and with equal frequency, commercial organisations have been known to inflate estimates of their market shares. (FAO Corporate Documentary, 2011) Most censuses take place at 10 year intervals, so data from this and other published sources maybe out-of-date at the time the researcher wants to of Gay, make use of the poet e cummings statistics.

The time period during which secondary data was first compiled may have a substantial effect upon Essay the nature of the data. For instance, the significant increase in the price obtained for poet e cummings Ugandan coffee in the mid-90's could be interpreted as evidence of the effectiveness of the rehabilitation programme that set out to restore coffee estates which had fallen into a state of disrepair. However, more knowledgeable coffee market experts would interpret the rise in Ugandan coffee prices in the context of large scale destruction of the Brazilian coffee crop, due to The Legalization Marriage Essay, heavy frosts, in 1994, Brazil being the largest coffee producer in the world. (FAO Corporate Documentary, 2011)