Essay about The Park - Original Writing - 2487 Words

The Park - Original Writing 25 June 6:00am. As the sun slowly begins to rise, a peaceful chirping noise comes from the birds hidden amongst the trees. The park is about to wake from its long, tranquil and peaceful sleep. The woodland is beginning to arise-a humming grasshopper and the odd droning bee. The sunlight shines, making tall beams of light through the gaps in the branches of the trees. The tall night-scary trees become friendlier in the early morning brightness. As the woodland prepares for another swelteringly warm, sunny day the air becomes moist and heavy, making it hard to breathe. When the morning sunlight hits the tall metal structures of the play park, they breathe a†¦show more content†¦Beer cans were strewn everywhere branches had been viciously snapped off the trees and graffiti was sprayed all over the childrens play park. It made Barry red with rage. Dirty graffiti he thought, evil cans. He decided it was time to go on his morning inspection of the park, the park he cared for and loved. Thats when he saw it. Walking towards the play park, he found the first sign of vandalism: a beer can strewn on the floor; its shiny label glinting in the morning sunlight. He picked up the can and tossed it into the black binbag, which he was gripping the top of ever tighter each time he found another piece of rubbish. If the top of the bin bag had been a neck, the person would be dead by now. After collecting all the rubbish and the broken branches and had tried to scrub off another piece of art from the slide in the play park the park was beginning to fill up with many varied types of people. Rather like extras crowding onto a film set. There were weary mothers pushing prams, teenagers flying through the park on rollerblades and smart, bold businessmen with faces like dark clouds thinking about what they would face in the day ahead. Barry walked sternly back to his hut with his bag of rubbish. He was going to catch them he thought. He had built up a picture of what the vandals looked like. Got to be teenagers he guessed. They must look very scruffy and probably hardly everShow MoreRelatedAnalysis Of The Movie Jurassic Park 1483 Words   |  6 Pagesfew, in this case we are referring to the Jurassic Park series. â€Å"Jurassic Park† is a four- part movie series that has a pretty common, redundant style throughout the movies. In the series, it includes Jurassic Park, Lost World: Jurassic Park, Jurassic Park III, and Jurassic World, which includes all elements that are to be expected in an action, dramatic sci-fi movie. 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Cash Management Services Example

Essays on Cash Management Services Research Paper ï » ¿Cash Management Services Table of Contents Reduction of opportunity cost in a health care organization with CMS 4 Conclusion 5 Introduction The services offered by banks are getting diversified with time. Such multifarious treatment has been introduced to cater to the changing needs of the customers in the best possible manner. Through these specific services, banks try to attract and retain the loyal customers and thus attain sustainable competitiveness in the market. Among different services offered by the banks, ‘cash management service’ is often used by the banks to develop a healthy relation with its customers. Most of the banks offer cash management services to the retail customers (e.g. companies) for cash flow processing, cash pooling and message service for the current accounts. All these services assist the clients to improve the efficiency of their day to day cash transactions. Clients get timely and accurate information of the monitory transactions (Huang, 2007, p.83). The cash management services (CMS) is an assortment of different kinds of services, few of the most popular ones are discussed below: Lockbox service: If a retail customer receives a large number of payments through mails, then the customer’s account receivables will be directly collected in different branches of the bank and will be sent to the main account maintained by the customer. Zero-balance account (ZBA): If a company has several accounts located in different places, then it becomes quite difficult to segregate the amount debited from the one credited from each branch. ZBA assists in managing all the branch accounts in a more organized manner. In ZBA, each day the account of all the branches start with zero balance and at the end of the day all the receivables and deposits made throughout the day get adjusted with the main account of the company. The same thing continues the next day and the accounts of different branches start with zero balance. Automated Clearing House (ACH) Network: This is one of the most reliable and efficient network that allows batch–oriented electronic fund transfer system. This service is useful for those retail customers which have their operations in several locations. They often open accounts with different banks. As soon as the money is received in these accounts, it is transferred to the main account of the customer through inter-banking electronic fund clearance system (Center for Financial Training, 2009, p.318). Comparison of different CMS offered by the sample banks For analyzing cash management services followed by different banks in US, three sample banks were selected. During this process, the CMS offered by the sample companies is analyzed to identify the advantages and disadvantages associated with the CMS of each of these sample banks. The first sample bank is HSBC, one of the world’s largest banks. In South America, more than 710,000 people receive their salaries through HSBC and more than 40,000 corporate customers get benefited from the account receivable solution provided by the bank. The number of electronic banking services users is approximately 90,000 and most of them are regular users of payment and cash management (PCM) service offered by the bank. More than 100 specialists are working incessantly to identify the requirements of the customers and to develop different PCM services (HSBC-a, 2010). The bank offers electronic and paperless payment solution that adds flexibility and better control to the customer’s business. The electronic collection services of the bank assist the corporate customers to have a fast conversion of receivables to cash. Services like cash concentration and direct investment ensures a healthy short liquidity to businesses (HSBC-b, 2010). The recession has registered a change in treatment; the bank is focusing more on its Asian business as its US units are yet to recover from poor profitability and declining demand. Another bank is Bank of America Merrill Lynch. It is one of the best banks in America that succeeded in understanding the changing needs of the people and modifying the service portfolio offered by the company. In the year 2009, Merrill Lynch was considered as the â€Å"Best cash management bank† by Treasury Risk. The bank offers full range of treasury management solution that includes collection, concentration, investment and optimum retune on the liquidity managed by the companies. The receipt and payable management services offered by the bank is effective in minimizing the risk as well as the cost associated with this process. Dense network and long term experience of the bank in US can be considered as a major advantage for developing effective CMS. The last sample company is Bank Leumi USA, which too offers cash management services to the customers. It offers ACH origination, cash concentration, lockbox services, positive pay, money transfer, along with other allied services (Bank Leumi USA, 2010). Comparatively small market share and moderate popularity of the bank are some of the major disadvantages of CMS offered by the bank. After considering the CMS portfolio offered by the bank, network density and the degree of customer satisfaction, it can be concluded that cash management services like lockbox, ACH and concentration of cash offered by Bank of America Merrill Lynch is one of the best in terms of efficiency and effectiveness. The customer care department, which is responsible for CMS management of the bank, is quite experienced in understanding the requirement of the customers and developing innovative products. Reduction of opportunity cost in a health care organization with CMS Many well known organizations in US have several branches in different locations, making it problematic for managing cash (receivables and payable). If the health care organization follows the tradition cash management process, it will take too long to collect the receivables and thus the cost of opportunity would increase. On the flip side, if they use the CMS offered by a bank, it becomes quite easy for the organization to minimize the time as well as the cost associated with cash management process. Apart from the traditional receivable and payable management; these organizations can use special services like zero balance account that minimize the amount of ideal cost that needs to be managed with the bank for each account. Conclusion After analyzing the CMS offered by the sample companies, it can be concluded that all the banks offer more or less similar services but the quality of the services is what that makes the difference. While selecting the bank for availing its CMS facility, companies are required to pay more attention to branch network, efficiency of service offered, expertise of human force and ability of the management to understand the changing customer requirements. The above mentioned factors are also applicable in case of banks that aim to ensure sustainable growth by developing new services under CMS. Reference Center for Financial Training. (2009). Banking Systems. Cengage Learning. HSBC-a (2010). Global Payments and Cash Management - South America. Retrieved on September 11, 2010 from http://www.hsbcnet.com/transaction/global-payments-and-cash-management/south-america. HSBC-b. (2010). International Payments and Cash Management. Retrieved on September 11, 2010 from http://www.us.hsbc.com/1/2/3/business/other/cash-management. Huang, W. (2007). Institutional banking for emerging markets: principles and practice. John Wiley and Sons.

Tree Plantation Free Essays

Man has been closely related with the nature since the down of civilization. Nature is helpful for all human beings. Nature abounds with trees. We will write a custom essay sample on Tree Plantation or any similar topic only for you Order Now Trees are one of the best gifts of nature. As the civilization proceeds towards development, valuable nature assets are also getting damaged day by day. So it is the ease with trees. Now the ecological balance is distributed and the life becomes difficult. Our life and existence on earth greatly depends on trees. So we should plant trees through an existence expedition and maintain our ecological balance smooth. The first and foremost thing we get from trees is oxygen. We inhale oxygen from air, which are provided by trees. Trees maintain the climate and the weather of a country. They help causing rainfall and save our country from destruction. Trees save our land from erosion and make it fertile. We get our major food production from trees we get our clothing material from trees. We also get some building materials from trees. Rural houses are mainly made by trees indirectly. We get furniture from trees which are provided by trees. Besides we get many kinds of medicines from trees. In real sense trees give us many things that we can not even count. In a matter of great regret the destruction of trees is common in Bangladesh. Our people cut trees at random. We use plants in the time of need but we can not plant more, which is greatly needed for for existence. Trees are the raw material of many industries, so it is widely used. People use trees as fuel in their kitchen, brick fields. They also cut them to make new houses. It is a great threat to our healthy atmosphere and our environment. The ratio of cutting and planting trees is very much different. We cut more but plant less. We have to plant more and more to prevent ourselves from natural disasters. Tress can be planted almost all the year but rainy season is the appropriate time to plant trees. Each and everybody should be conscious about that utility of trees and should take part in tree plantation. Where we get vacant places in our house, office, schools, colleges, hospitals we should plant them. Or we can plant them on the sides of the roads or any available spaces with a view to provide shade. There are so many nurseries where we can get various kinds of trees and seeds at a minimum cost. It is hopeful that our government launches tree plantation expedition and arrange tree plantation week in a year. Our united effort can make their program successful. The middle east countries fulfill their requirement of fruit, food and vegetables importing them from Bangladesh. We also earn a lot of foreign exchange by exporting barks venoms of snakes, some medicinal fruits from our forest. The trees are our lifelong friend and become a part and parcel in our national life. It is our burden duty and responsibility to plant trees not only plantation but also proper care should be ensured. Finally tree plantation is a most for our own betterment. How to cite Tree Plantation, Papers

Cultural Diversity is a Necessity free essay sample

Before I was seventeen, I was like the majority of other students I observed in the tenth grade and profusely avoided the group of black students who piled into the right side of the school cafeteria for breakfast every morning. These students wore chains and baggy pants, and called rude remarks to the other students passing by, especially the more vulnerable freshman. I thought these teens to be uncivilized. I could not understand why they did not try to make life easier for themselves by dressing nicely and speaking in a professional manner. One of these students was in a science class of mine, and I became constantly angry with him for disrupting the teacher and ignoring the class rules. I believed this student to be someone who brought unnecessary disciplinary action to himself. Despite these thoughts, I told myself that I was not a racist. I told myself that the color of these students’ skin had nothing to do with my unease toward them. We will write a custom essay sample on Cultural Diversity is a Necessity or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page It was their actions that made me upset, not their skin color, and if they would just act and dress normally then of course I would be willing to accept and befriend them. I could not be a racist because I had black friends, like my friend Allison. Allison, unlike these other students, spoke in a grammatically correct manner. She had a thin waist and wore pretty, flowery clothes to school. My sophomore year I served on the teen board of a non-profit youth health clinic. Before its closing in 2011, this clinic served low-income families in North Carolina, most of whom were black. A few board members and I traveled to a nearby middle school one day to help teach young female students about good hygiene. When it came time to discuss hair care, however, something strange happened. The young girls spoke of how they made sure to wash their hair at least once a week. All of us volunteers, who usually washed our hair everyday, were confused- all but one, anyway. The only black girl on our board stepped up at that moment to talk about African American hair care, which the rest of us had not realized could be different than Caucasian hair care. Later in the seminar, a small girl came up to me and pulled on my ponytail. She said she wished her hair was straight and pretty like mine instead of fluffy like hers. After this incident, the way I perceived race within my life began to change. I stopped scorning the students that sat in the corner of the cafeteria and instead began to question why the administration surrounded them everyday, without fail, circling them like hawks. I started to realize what it meant that only specific students of color were accepted as friends into my social circle. I also began to understand why so many African American students at my school seemed so unwilling to learn. Just as the needs of the little girls at the middle school were unbeknownst to the majority of us volunteers, the needs of many African American students seem completely lost to my school’s administration and teachers. Not only that, but there are very few teachers of color at my school, something that only increases this cultural gap. I now understand that racism can cross cultural lines and is not strictly based on skin color. I also understand why institutions that do not serve the needs of many different races leave many important people without the assistance they need. From the day I turned seventeen, I took a personal vow to help create more diversity (and more diverse ways of servitude) in any organization or institution I become a part of. This includes making sure that the Gay-Straight Alliance Club at my school attends to the needs of not just white students, but also students of Hispanic, Asian, Indian, Middle Eastern and African American descent. Changing my school is the harder part of the puzzle. Advocating for improvement on a level that large can take a large amount of time and effort. I plan to put that effort in. Although I have not yet decided what I will major in, or what my future career will be, I do know that I will always have a strong commitment to creating a diverse community.