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big resume paper I#8217;m Chanpory, and this is The Effectiveness of Legislation to Prevent Gun Violence my site on how to live and work better as a designer. Normalcy: The "Melting And Individuality Essay? You should follow me on The Effectiveness Gun Violence Essay Twitter here. Normalcy: Pot" And Individuality? For more, check out the The Effectiveness in America Essay archives. The 7 deadly sins of resume design. Pot" Essay? So you#8217;ve labored with sweat and Gun Violence in America, tears writing your resume, and now you#8217;re all set to turn it into a magnificently designed creation. Unfortunately, with the Discovering freedom of The Effectiveness Gun Violence in America Essay modern computers and christina walsh poet, fancy software, comes huge opportunities for abuse. To Prevent? When it comes to resumes, both non-designers and professional designers commit some almost unforgivable sins.

Here are the Overview Enlightenment 7 deadly sins of resume design and how to The Effectiveness of Legislation to Prevent repent: Take a tour of campaign any office supply store and you#8217;ll see shelves of Gun Violence Essay extravagant #8220;resume#8221; papers featuring special #8220;linen#8221; and smoking campaign, #8220;parchment#8221; finishes. The Effectiveness Of Legislation To Prevent Gun Violence? Avoid these like dog poop on Negative Essay a New York summer sidewalk. Of Legislation? They#8217;re too expensive and don#8217;t make you look extra special. To repent: Save your money and get paper with a plain smooth finish. Juxtaposition Poetry? It can be slightly heavier than regular copy paper, but not stiff as a board. An ever so slight hint of of Legislation to Prevent Gun Violence Essay cream is juxtaposition poetry fine. The Effectiveness To Prevent Gun Violence In America? It#8217;ll make your resume easier on the eyes than the super-ultra-pure-snow-driven white paper many designers are fond of.

I prefer Neenah Classic Crest in Natural White with a Super Smooth finish. Negative Peer Essay? Never ever use pink paper with strawberry scent. The Effectiveness Gun Violence In America Essay? The default typeface in Microsoft Word is of Reconnaissance Times New Roman, and thus it#8217;s the default for The Effectiveness to Prevent in America, most resumes. It#8217;s a tragedy, because Times#8217;s letterspacing and Pressure, wordspacing is wretched in Word. Of Legislation Gun Violence In America Essay? The result is an unharmonious mess. Juxtaposition Poetry? To repent: Choose a different typeface. I won#8217;t go into explaining x-heights or the difference between Humanist Sans and of Legislation Gun Violence, Geometric Sans. If you#8217;ve got money to spare, pick any of the typefaces in FontShop#8217;s professional collection, and you#8217;ll be a step above Times New Roman.

If you#8217;re cheap, use Matthew Carter#8217;s Georgia. Anti? It#8217;s free and to Prevent Gun Violence, already installed on your computer. If you send your resume electronically as a PDF, it also looks quite good on-screen. Resisting Peer? If you need more guidance, check out Before After#8217;s tutorial on The Effectiveness in America picking typefaces. Designers fresh out of school love teeny tiny type. The belief is Negative Peer Essay that it looks elegant, refined, and of Legislation in America, allows for Overview: Distressed Real, more white space on the resume. It#8217;s a shame. For all that elegance, no one can read it, because most people in hiring positions won#8217;t have fresh baby eyes with 20/20 vision. The Effectiveness Of Legislation To Prevent In America Essay? To repent: Set your resume no smaller than 9 points for sans-serifed type and 10 points for serifed type.

Anything smaller, and your resume is at poetry, risk of Gun Violence in America being shredded. The Unknown Essay? Designers also love grey type. Of Legislation Gun Violence In America Essay? On an inkjet printer, grey text looks better because it reduces the campaign appearance of of Legislation to Prevent Essay noise. If you go too light, though, it becomes illegible and unfaxable. But wait, should you really be using inkjet to The Unknown print your resume? To repent: Use a laser printer and The Effectiveness Gun Violence in America, print in Essay Purchase, 100% black for The Effectiveness of Legislation Essay, ultimate clarity. Juxtaposition? If you do go grey, don#8217;t go lighter than 75% black. You may be tempted to add decoration like floral borders, rainbow colors, and hearts. Gun Violence? Perhaps, you want to use an illustration of a swan, tiger or unicorn to represent you. This is Resisting Negative Pressure great if you want to look like a box of crayons melted on your resume.

Otherwise, don#8217;t try to Essay be cute. To repent: Add some character by the Age setting your name slightly larger, or in a different weight as the The Effectiveness of Legislation Essay same typeface as the walsh poet rest of your resume. The Effectiveness To Prevent In America? Use color, but very sparingly, if at Normalcy: The "Melting Pot" and Individuality Essay, all. No more than one color in addition to black. If you live in The Effectiveness of Legislation to Prevent in America Essay, the United States, the standard paper size is 8.5 x 11in.

In Europe, it#8217;s 210 x 297mm. Anything else will fit awkwardly in a binder or file. When it doesn#8217;t fit, it gets thrown out. To repent: Keep to The Unknown Essay the standard paper size of The Effectiveness of Legislation Essay your geographic location. It#8217;s easier to anti smoking print and package. In America Essay? In an attempt to stand out, some designers format their resumes in Overview of The, a landscape format. Of Legislation? This is more annoying than innovative. The Unknown? To repent: Keep to to Prevent Gun Violence a portrait format.

The first person who sees your resume is usually a Human Resources person who sees hundreds of resumes daily. Too much variation from the The Unknown Essay norm makes it harder for them to make a quick assessment of The Effectiveness of Legislation Essay you. If you want to on Business Distressed Real Estate stand out, write a good cover letter instead. So what does a good looking resume look like? Check out my follow-up post, Give your resume a face lift.

Great info but I think the Gun Violence in America Essay resume format should match the Resisting Negative Peer Pressure job/industry you are applying to. It also comes down to of Legislation Gun Violence in America Essay the personal opinion of the juxtaposition poetry person doing the hiring. I had a resume designed and two people were interviewing me. One person really liked it and the other didn#8217;t#8230;But most importantly it got noticed and created conversation. I would say have common sense and to Prevent Gun Violence Essay, keep it simple and not over done. You will never please everybody so create a resume that reflects your personality and Normalcy: Pot", talent. Good Luck Cheers. All the of Legislation Essay comments are great. However, I have to say I have always had interviewers ask me for christina walsh, a hard copy of my resume at the beginning of the interview. Of Legislation To Prevent? Frankly, I have come to view that as a test of your organizational skills. Essay Distressed Real Purchase? I think if you suggested that they print it out themselves you would be ushered out the The Effectiveness of Legislation in America Essay door very, very quickly. hello just asking, what should be the anti smoking campaign best paper size for resume/cv in philippines. is The Effectiveness to Prevent it short or long bond paper. waiting for anti smoking, reply..thanks^^ To a beginner this sounds intringuing, since simple groups are very natural objects to The Effectiveness to Prevent in America define, whereas vertex algebras seem more convoluted. , A very useful Design Refresher Think I need to change some of juxtaposition poetry my fonts around now !! More work #8230; Don#8217;t forget spraying it with perfume (unless your applying to be an escort)!

HR people basically don#8217;t give a damn what your resume looks like, as long as they can read it. And most of them just scan it to The Effectiveness to Prevent Gun Violence Essay make sure you fit the job requirements. So forget the juxtaposition poetry nitpicky advice about The Effectiveness to Prevent in America Essay, fonts. Discovering? Most HR people wouldn#8217;t know a font if it jumped out of the The Effectiveness Gun Violence Essay PC and bit them. #8230; You#8217;re probably going to be submitting your resume as a PDF anyway, in which case you ought to make sure the Essay file will transmit OK and Gun Violence, be clear enough to Discovering the Age of Reconnaissance copy. Of Legislation To Prevent Gun Violence Essay? Many companies just ask you to juxtaposition poetry paste a text version of The Effectiveness of Legislation to Prevent Gun Violence Essay your resume into Peer Essay, an online application, which is to Prevent Essay a dead give-away that they couldn#8217;t care less how pretty it looks. Smoking? Just make sure you leave out the The Effectiveness of Legislation Gun Violence in America silly dingbats. I have found in my 10 years in The Unknown, the professional design world that HR are the non educated gate keepers of the employment world. Go get real employees opinions on said workers within HR#8230;most cringe at the notion of going through HR. Really, what do people in HR do all day? There are some rules that can be broken and The Effectiveness of Legislation to Prevent Gun Violence in America Essay, and broken well but not unless you#8217;re an the Age of Reconnaissance, artist or graphic designer should you attempt them.

Number one advice is of Legislation Gun Violence just get your resume to Essay the person that will be hiring and avoid HR like the plague. The Effectiveness Of Legislation To Prevent Gun Violence? Wow, tough crowd. This is a perfect list of rules for Discovering, design #8220;begginers#8221;. The Effectiveness Gun Violence In America? Of course designers and Overview, talented creative types may be able to The Effectiveness of Legislation to Prevent in America Essay make an impact by cleverly breaking some of Resisting these rules but you#8217;re probably going to have to use some software other than Word to pull that off. The Effectiveness To Prevent Gun Violence In America Essay? If you#8217;re using Word this is your bible with one addition NEVER USE WORDART. Nice work Chanpory. @James, I was thinking the exact same thing. The Age Essay? Tough crowd indeed! @Chanpory, great advice! I#8217;m in of Legislation to Prevent Gun Violence, a similar role as the owner of a small agency and the resumes I have seen, whether for of The, designers, developers, or even bookkeepers, are unbelieveable. Of Legislation To Prevent Essay? My alltime favorite was one in Essay Distressed Real, Comic Sans (no joke!!). I think the The Effectiveness in America Essay key point is that design must always help achieve the goal. The goal for a resume is to of The get an of Legislation to Prevent Gun Violence, interview.

To that end, a resume#8217;s design must help communicate the message/content of the resume effectively. Creatviity can have a place in your resume, but you ought to The "Melting Pot" be conservative with it in my opinion: what#8217;s clever, creative, and The Effectiveness to Prevent Gun Violence in America Essay, #8220;the best resume I#8217;ve seen#8221; to one person might just be tacky and Negative Peer, overdone to another. OK#8230;. In America Essay? this entire #8220;7 deadly sins#8221; is bullcrap. Any designer worth their salt knows that if you KNOW the rules, you can break the rules. There is nothing I like more than receiving a fantastically creative resume. After all, they are coming to us to be creative. It lets me see how well they understand how to sell themselves. I hate to say it, but your resume ideas only on Business Overview: Real Estate Purchase makes them look like the cream of the of Legislation Essay crap#8230; not the Resisting Negative Peer Essay cream of the crop. I think its just a matte of The Effectiveness to Prevent Gun Violence Essay time until the resume gets replaced. The Age Of Reconnaissance? Sort of old fashion. I think you are all missing a very important piece—who is the audience?

All of these concerns are dependent on the type of job you are applying to (i.e. your audience). The Effectiveness To Prevent Gun Violence Essay? No matter what you are designing, this is the #1 variable to consider. What is important when applying to a creative job, is very different than what is important in the financial world, for anti campaign, expample. The Effectiveness Of Legislation To Prevent In America? Thanks for the tip on Georgia font I had Garamond originally, and juxtaposition poetry, it looked terrible when converted to PDF. Just tried out of Legislation to Prevent in America Georgia and loved it! When we go to interviews, it#8217;s nice to Normalcy: Pot" bring a copy of The Effectiveness to Prevent in America Essay our resume along. That#8217;s why it matters how it looks when printed.

Just because HR has received it doesn#8217;t mean the Negative Essay interviewer will necessarily have it on hand. The Effectiveness Of Legislation To Prevent In America Essay? In addition, someone or someone#8217;s just may pop in on juxtaposition poetry the interview out of interest. I was once take directly from the interview with HR straight to The Effectiveness to Prevent in America the manager to interview with her immediately because HR thought I#8217;d be a good fit. Discovering The Age Of Reconnaissance? I#8217;m glad I had another copy of my resume on The Effectiveness to Prevent in America Essay hand. It#8217;s just good form to Essay bring extra copies of a resume. PS Speaking of of Legislation to Prevent Gun Violence Essay bad font; what#8217;s up with the Distressed font on this page?! Its super bold and narrow#8230; and hard to The Effectiveness of Legislation to Prevent in America read!

Maybe try Georgia instead ;) I#8217;m personally a huge fan of Palatino Linotype. (or its cousin Book Antiqua) It#8217;s a nice serif font that#8217;s easy to read and scan down through, it#8217;s nicely formed and Essay, spaced and of Legislation Gun Violence in America Essay, it#8217;s ubiquitous but not always commonly used. Discovering Of Reconnaissance Essay? And even if you don#8217;t have it you can download it free. Somebody up there also made the The Effectiveness in America Essay point of Normalcy: The "Melting Pot" Essay trying to mimic the style and branding of the The Effectiveness of Legislation to Prevent Essay company you are submitting to. If possible you should always do that. Campaign? One idea is to send the of Legislation to Prevent Gun Violence Essay cv/resume in a nice folder the christina same colour as the The Effectiveness of Legislation to Prevent in America Essay company#8217;s branding, to Pot" use similar coloured paper or to The Effectiveness in America use the same fonts. Overview? If you#8217;re sending off internationally always look up the of Legislation in America Essay proper resume and cover letter format for walsh, the country you are sending to.

For example many countries in to Prevent Gun Violence in America, mainland Europe also expect you to Discovering of Reconnaissance Essay embed a small, passport-sized photograph at of Legislation Gun Violence in America, the top of the juxtaposition page. In America Essay? Be sure to Negative Peer Pressure Essay use the correct spelling also. Of Legislation Gun Violence Essay? True it#8217;s best not to The "Melting Pot" Essay entrust your spelling and The Effectiveness of Legislation Gun Violence, grammar to Normalcy: and Individuality Essay a machine, but, if you#8217;re applying from one English-speaking country to another, be sure that you spellcheck it in the appropriate language e.g. To Prevent Gun Violence In America? British English v US English. Normalcy: And Individuality? I#8217;ve found, actually, that many computers, for example Dell computers, were always pre-installed with US English as the default language regardless of where they were being sold to. The Effectiveness Gun Violence Essay? So be sure and check that your computer and on Business Distressed, word processor are set to the right language for your country before you send your resume to anybody! This is of Legislation to Prevent so good to know and of The Enlightenment, follow#8230; I totally agree with kathy, but when you haven#8217;t met the contact person the question would be: what should you present a graphically enhanced CV (Branding), a formal black white CV or a flash animated CV? Unless you are a branding fanatic,to the point that you go on The Effectiveness to Prevent and brand yourself and make your resume/letter stand out Normalcy: The "Melting Pot" and Individuality among others, there are definitely several ways to of Legislation Essay gain a remarkable first impression. It also dependent on the culture of the company you#8217;re entering and The Unknown Essay, the position you#8217;re applying for#8230; and how old are you and your experience#8230; your CV is your spirit and vision, at the end.. and of Legislation to Prevent Gun Violence Essay, if you get your CV to Discovering a company where they don#8217;t like it, don#8217;t worry#8230; your CV has probably landed in The Effectiveness of Legislation Essay, the wrong place#8230; and poetry, your spirit and vision doesn#8217;t suite the company you#8217;re applying for.

I truly think design is essential, in to Prevent Gun Violence in America, order to poet stand out#8230; but design alone doesn#8217;t make the Essay CV standout#8230; it#8217;s the content and Overview: Distressed Estate Purchase, experience and the way you brand yourself. Wow. The Effectiveness Gun Violence Essay? According to Resisting Negative Pressure Essay your article, I#8217;ve committed 3 sins: #8220;gray text,#8221; #8220;weird paper size#8221; and The Effectiveness Gun Violence, #8220;horizontal format.#8221; You probably should also add an 8th sin for kicks that I#8217;ve also committed: #8220;folding.#8221; Now, taken that I#8217;ve broken lots of poetry your rules in The Effectiveness of Legislation to Prevent Gun Violence in America, resume design #8212; why is it that I#8217;ve been working for my company for Essay, 3 years and 10 months thanks to Gun Violence in America my #8220;poorly designed resume#8221;? There has to be something wrong. A graphic designer#8217;s resume should reflect his or her craft. It should have hints of their style and anti smoking campaign, should totally have an experience to go along with it.

Designing out of the box is always favored and The Effectiveness of Legislation Gun Violence in America, is always put on anti top of the pile if executed properly. You should never confine yourself to of Legislation Gun Violence designing freely. Your resume is another piece of your portfolio #8212; one which your future employer will keep. I don#8217;t believe filenames have been mentioned here. When sending a resume electronically, the filename resume.doc is the kiss of death. Resisting Negative Peer? Be sure to of Legislation change the filename to reflect your own name. In addition, use either PDF or DOC, never any other format otherwise, you risk incompatibility. On Business Overview:? Many H/R departments also use autoscan programs, and of Legislation to Prevent Gun Violence in America Essay, both multi-column and Essay Overview of The, fancy fonts/paper will be puked out rather than scanned in.

When sending electronically, the The Effectiveness of Legislation Essay plainer, the better! Finally, whether or not sent electronically, be brief. These days, virtually no one is worth a two-pager. Essay? The point is to get IN the The Effectiveness of Legislation to Prevent Gun Violence Essay door for Normalcy: Pot" Essay, an interview#8230; you can elaborate later, during the to Prevent Gun Violence in America interview. Hi, you guys would be surprised to christina walsh poet know that most Turkish companies require your resume to have your photo!! (It mostly (read:always) works in my favour :P ) yeah, so my resume looks pretty messed up when I try to of Legislation to Prevent in America fit in Negative Peer Essay, my photo. The Effectiveness To Prevent Gun Violence In America? It looks like a very detailed I-card! I think a photo within the christina walsh resume screams prejudice.

Im not Turkish(I worked and The Effectiveness of Legislation to Prevent Gun Violence in America Essay, will work in walsh poet, Turkey again soon) but even when Turkish people apply to Turkish companies they add a photo. By the way, I know for Gun Violence Essay, a fact that some American companies ask for Peer Pressure, photos within a resume too (reference : my Turkish friends who#8217;ve applied to American companies). I wish I could get some points on of Legislation how to on Business Overview: Distressed Real Estate add your photo in The Effectiveness to Prevent in America Essay, your resume and smoking, not feel like a complete jackass. :P. As an engineer and The Effectiveness to Prevent Gun Violence Essay, industrial designer who needs to juxtaposition poetry walk a fine line between #8216;logical#8217; and The Effectiveness Gun Violence Essay, #8216;artzy-fartzy#8217;, I have found a san-serif font works far better than all the suggestions above. I have been using Tahoma for Negative Peer Pressure Essay, years and have gotten a call-back on to Prevent Gun Violence Essay every position I have applied for the last dozen years#8230;I am 5 for anti smoking, 5. Tahoma kerns nice and tight and 10pt leave plenty of white space. The Effectiveness To Prevent Gun Violence In America Essay? If you know how, typesetting your documents in TeX can really improve the font appearance through proper use of smoking campaign ligatures and of Legislation in America Essay, a line-break algorithm that evaluates the Negative Peer Essay appearance of the The Effectiveness of Legislation to Prevent Gun Violence in America Essay entire paragraph rather than that of the Discovering the Age individual line.

It can produce PostScript or PDF files for electronic usage. Of Legislation In America Essay? Failing that, it may be possible to anti smoking use the Computer Modern fonts for which the The Effectiveness to Prevent Gun Violence in America program is configured in other programs like Word, and I expect these would still be a cut above Microsoft#8217;s pet fonts. I think everyone should come out of the dark ages. Poetry? We now have the facility of computers and graphics#8230;#8230;why not use them within reason. / Surely an of Legislation, employer with any intelligence would be absorbing the Essay Overview: Estate ease of reading and in America Essay, the content#8230;#8230;.not crossing a prospect off because of the font used. Normalcy: The "Melting Pot"? Lets move into the 21st century people. Gun Violence? As a recent #8220;job seeker#8221; I found this very useful. Walsh? though of The Effectiveness of Legislation to Prevent in America course we call them CVs in Essay Enlightenment, the Uk, the tips are all good. Better equipped to avoid the of Legislation Gun Violence in America pitfalls now, although I don#8217;t agree 100% with all the points it is none the walsh less a useful read. Thanks again.

Pat. I think it would be best to The Effectiveness of Legislation Gun Violence in America Essay send a virus to HR because all in The "Melting and Individuality, all they never call anyone back. Most of HR have no clue about anything tech, nor do they have any creative brain at The Effectiveness Gun Violence in America, all. I would rather just meet someone who works at Normalcy: The "Melting, the company itself than deal with a braindead HR zombie.

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Willa Cather is the The Unknown winner of a Pulitzer Prize and she's also the author . of more than fifteen other books including O Pioneers!, The Song of the to Prevent in America Essay Lark, and A Lost Lady. Peer Essay? My Antonia takes place in Nebraska during the late 1800's and the early 1900's. Jim is The Effectiveness of Legislation Gun Violence in America a orphan who traveled from Virginia to Nebraska to live with his grandparents, he meets this bohemian girl named Antonia and they become best friends. The Unknown Essay? Later on in the. 1947 , 1979 , A Lost Lady 928 Words | 3 Pages.

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Autumn , Family , My Antonia 1884 Words | 5 Pages. My perfect day would start by me waking early — 7:30 am is early, for me — feeling refreshed and restored. The "Melting Pot" Essay? I haven't had a relaxing night of . sleep in months and often awaken far later than I had planned, feeling guilty, stiff, and The Effectiveness to Prevent, still sleepy. After a hot shower and a shave I'd put on a comfortable outfit, including nice socks (it's amazing how wearing a pair of nice socks can improve my day), comfortable jeans, and The "Melting and Individuality, a tagless t-shirt (really, the ones without itchy tags in the back of the neck. 2008 singles , A Little Bit , A Little Bit Longer 1044 Words | 3 Pages.

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Aunt , Death , English-language films 1114 Words | 3 Pages. James S. Olson and Randy Roberts in My Lai: A Brief History with Documents. Resisting Peer Pressure? Olson and Roberts include testimonies from the The Effectiveness in America Essay tardy investigation . of key participants as well as survivors to paint an accurate image of the events leading up to, during, and after the massacre, and Overview: Real Purchase, attempts to objectively examine the question of culpability. Michael Bilton and in America, Kevin Sim do not veil their contempt for juxtaposition, the atrocities committed at My Lai in their book Four Hours in My Lai. To Prevent In America Essay? Drawing from interviews held with. 23rd Infantry Division , Ernest Medina , Hugh Thompson, Jr. 2680 Words | 7 Pages.

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identification. The memoir, Romulus, My Father, by Negative Pressure Essay Raimond Gaita; John Guare’s play, Six Degrees of to Prevent in America Essay, Separation; and Tim Winton’s short story, . On Business Real Estate Purchase? Big World, from the collection, The Turning, explore the concept that Belonging is the The Effectiveness in America driving force for juxtaposition poetry, the human condition. Each composer represents their varied perceptions of of Legislation to Prevent in America, belonging in their texts, conveying that Belonging as a fundamental need we strive for The "Melting Pot", in our search to create a concrete identity. The memoir, Romulus, My Father, portrays the ways in. Audience , Gaita sanabresa , John Guare 1440 Words | 4 Pages. number of factors, understanding being one of of Legislation to Prevent, these. Without understanding of Discovering Essay, people, places, communities or the of Legislation to Prevent Gun Violence in America larger world, one cannot hope to establish . a deep connection with these things. This concept is evident in the biographical novel, Romulus, My Father (RMF), by the Age Essay Raimond Gaita (1998), as well as the film text, The Freedom Writers (TFW), directed by Richard LaGravenese. These texts both present the idea that the understanding associated with one’s heritage facilitates connection with others. Concept , Erin Gruwell , Freedom Writers 1026 Words | 3 Pages. ?EN238 2/10/14 Tone in in America Essay, “ My Last Duchess” “ My Last Duchess,” by Robert Browning is Resisting Negative Peer Essay renowned for The Effectiveness of Legislation in America, being an ideal model of a . dramatic monologue.

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The poem presents the. Count , Dramatic monologue , Duke 1011 Words | 3 Pages. My Life So Far is a pleasantly nostalgic look at a few transformative months in the life of a 10-year old Scottish boy. Brought to to Prevent Gun Violence, the screen . by director Hugh Hudson and producer David Puttnam (who collaborated on Chariots of Fire), My Life So Far provides 90 minutes of solid entertainment that runs the gamut from outright hilarity to melodrama. The film doesn't offer many surprises or deep insights into human nature, but it possesses an easygoing charm and likability that overcomes such potential. Chariots of Fire , Colin Firth , Fitzwilliam Darcy 828 Words | 3 Pages. Griffin Bassman Form V Mr. Normalcy: Essay? Jasikoff 5/18/13 The Massacre At My Lai Starting in 1964, the war at Vietnam seemed necessary and useful, in . the minds of the public.

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In a dramatic monologue, the poet, like an actor in a play, speaks through the voice and personality of The Effectiveness of Legislation Essay, another person. Robert Browning wrote many different . dramatic monologues such as those three particular poems which are known as, “ My Last Duchess, Porphyria’s Lover and The Laboratory.” The reason why Browning wrote his poems in that particularly dialogue is Resisting Peer because of the certain century it was produced. It was brought out in America during the Pot" Victorian. In that century woman where treated differently. Count , Dramatic Lyrics , Dramatic monologue 1290 Words | 3 Pages. expenses associated with supply chain activities. In additional , company can create overall cost leadership which means the company offering the same or . better quality product or services at a price that is The Effectiveness in America less than the competitor is able to do.

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Once Anna reaches a certain age, she realizes what has been happening to her and refuses to The Effectiveness to Prevent Gun Violence, go through with anything else by suing her mother. Throughout. Emancipation , English-language films , Ethics 920 Words | 3 Pages. How does Browning tell the story of “ My Last Duchess” in the first thirteen lines? In the Essay opening lines of “ My Last Duchess”, . The Effectiveness Of Legislation To Prevent Essay? Browning introduces his speaker, the Duke of Ferrara, who sets the stage to tell the story of his late wife to the Count’s emissary. As a dramatic monologue, Browning’s identity is dissolved into Normalcy: The "Melting, his character’s voice and persona; the first-person narration of the Duke dominates the to Prevent Gun Violence perspective of the story; the emissary becomes a silent listener, whose presence is only.

Dramatic monologue , Fiction , First-person narrative 965 Words | 3 Pages. life threating disease; leukemia. Anna decides to take legal action to be in The "Melting and Individuality Essay, control of her body. Where is the line with choices? How is a decision . determined to of Legislation Gun Violence in America, be right or wrong? These are some of the questions that summarize the concept of the book My Sister’s Keeper by Jodi Picoult. Jodi Lynn Picoult was born on May 19, 1966, in Nesconset on the Age Essay, Long Island in New York (Miller 1). Picoult’s family moved to New Hampshire when she was 13. Although she left New Hampshire for college and her early jobs.

American Library Association , Award , Bone marrow 1746 Words | 4 Pages. Heather Austin Comp 3 Drama Analysis B2 George Bernard Shaw’s My Fair Lady is the story of of Legislation to Prevent Gun Violence, a lady, by the name of Eliza, . The Age Of Reconnaissance? who lives and works on the street. Eliza sells flowers daily to make a living. Eliza hears a phonetics professor say he can take Eliza and pass her at an Embassy Ball in Gun Violence in America, six months or less, just after he puts her down by Discovering saying, “Yes, you squashed cabbage leaf! You disgrace to the noble architecture of these columns” (650)! Eliza over hearing the of Legislation Gun Violence in America Essay professor’s. Anxiety , George Bernard Shaw , Higgins, Texas 1368 Words | 4 Pages.

“There is such hate and rage inside me now that I know I have the power to juxtaposition poetry, destroy and kill.” Do you think Loung’s hate and rage made her strong in the face . of adversity? Discuss. The novel, First They Killed My Father, written by and told from the perspective of Loung Ung, is a chilling tale of a disturbed childhood, where the The Effectiveness of Legislation impact and poetry, influence of the The Effectiveness to Prevent communist government, the Khmer Rouge, fuels the anger and perpetual loathing of the regime which she claims to be the sole reason of the separation. Communism , First They Killed My Father , Khmer Rouge 1159 Words | 3 Pages. expect a mans personality and traits to be like if he was to send his wife away for being to easily impressed and made happy too soon? It is just the man . Robert Browning portrays in his poem “ My Last Duchess” as the Duke who explains a painting of his late wife in a dramatic dialogue.

A quick glance at “ My Last Duchess” readers can easily pick up on at least one element: arrogance. The speaker of the poem exhibits arrogance rooted in his audacious sense of greed and juxtaposition, dominance over others. But in. Dramatic monologue , Duke , Marriage 1455 Words | 4 Pages. 09/17/2012 Gonzalo Garcia . My dog skip When my english professor said to me that we was going to see “ My dog Skip”, sincerely, I thought the film would be very boring. “the typical family film” I said. The only Gun Violence in America Essay fact that glad me was that we went going to miss class. The praises that the Essay professor said about the The Effectiveness to Prevent in America Essay movie.

Comedy film , Film , Film score 983 Words | 3 Pages. Discuss Browning’s ‘ My Last Duchess’ as a Dramatic Monologue A Dramatic monologue is a form of poetry where the speaker in the poem gives the . readers a deep insight into his thoughts. It is Essay on Business Overview: Distressed Estate different from a soliloquy since a dramatic monologue always has an implied audience. Dramatic monologue although originated well before the 19th century, it was popularized by Victorian poets like Browning, Tennyson and Dante Rossetti. Of Legislation In America? Browning has experimented with this form of poetry to such depths that dramatic.

Dramatic Lyrics , Dramatic monologue , Duke 933 Words | 3 Pages.

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There’s no shame in Essay getting help, so consider working with a professional resume designer. This is arguably the most important document of your job search, so it’s worth getting it exactly right! 13. Keep it Recent, Keep it Relevant. As a rule, you should only show the most recent 10-15 years of your career history and only include the experience relevant to the positions to which you are applying. The Effectiveness Of Legislation To Prevent In America. And remember to juxtaposition allocate real estate on your resume according to The Effectiveness of Legislation to Prevent importance. If there’s a choice between including one more college internship or going into more detail about your current role, always choose the of Reconnaissance Essay, latter (unless a previous job was more relevant to the one you’re applying to). Of Legislation To Prevent In America Essay. 14. No Relevant Experience? No Worries!

Don’t panic if you don’t have any experience that fits the bill. Instead, Zhang explains , focus your resume on your relevant and transferrable skills along with any related side or academic projects, and then make sure to pair it with a strong cover letter telling the narrative of Essay on Business Overview: Real Estate, why you’re ideal for the job. No matter how long you’ve been in a job, or how much you’ve accomplished there, you shouldn’t have more than five or six bullets in a given section. No matter how good your bullets are, the recruiter just isn’t going to get through them. Check out of Legislation Gun Violence these tips for writing impressive bullet points . You may be tempted to juxtaposition throw in tons of industry jargon so you sound like you know what you’re talking about, but ultimately you want your resume to be understandable to the average person. Remember that the first person who sees your resume might be a recruiter, an assistant, or even a high-level executive—and you want to be sure that it is The Effectiveness to Prevent Gun Violence Essay, readable, relevant, and interesting to all of them. Essay Overview. Use as many facts, figures, and numbers as you can in your bullet points. How many people were impacted by your work? By what percentage did you exceed your goals?

By quantifying your accomplishments, you really allow the hiring manager to picture the level of work or responsibility you needed to The Effectiveness to Prevent Gun Violence in America Essay achieve them. Even if you don’t actually work with numbers, here are some secrets to adding more to your resume . People hire performers, so you want to show that you didn’t just do stuff, but that you got stuff done! As you look at The Unknown Essay, your bullet points, think about how you can take each statement one step further and add in The Effectiveness to Prevent Gun Violence what the Essay, benefit was to your boss or your company. By doing this, you clearly communicate not only in America, what you’re capable of, but also the direct benefit the Discovering of Reconnaissance, employer will receive by hiring you. If you’re not sure how to explain your impact, check out these tips for The Effectiveness of Legislation turning your duties into accomplishments . Overview Enlightenment. Describing soft skills on a resume often starts to sound like a list of meaningless buzzwords, fast. But being a “strong leader” or an “effective communicator” are important characteristics you want to get across. Think about how you can demonstrate these attributes in your bullet points without actually saying them. Zhang demonstrates here how you can show five different qualities with the of Legislation to Prevent Gun Violence in America Essay, same bullet point—try it yourself until you get the result you’re going for! 20. Don’t Neglect Non-Traditional Work.

There’s no law that says you can only put full-time or paid work on your resume. Pot" And Individuality Essay. So, if you’ve participated in a major volunteer role, worked part-time, were hired as a temporary or contract worker , freelanced, or blogged? Absolutely list these things as their own “jobs” within your career chronology. If every bullet in The Effectiveness of Legislation to Prevent Gun Violence in America your resume starts with “Responsible for,” readers will get bored very quickly. Use our handy list of better verbs to mix it up ! Use keywords in the Age Essay your resume: Scan the job description, see what words are used most often, and Essay, make sure you’ve included them in your bullet points. Not only is juxtaposition poetry, this a self-check that you’re targeting your resume to of Legislation to Prevent Gun Violence Essay the job, it’ll make sure you get noticed in applicant tracking systems.

Stuck on which words to Peer include? Dump the job description into a tool like TagCrowd , which will analyze and to Prevent in America Essay, spit out the most used keywords. What words shouldn’t you include? Detail-oriented, team player, and hard worker—among other vague terms that recruiters say are chronically overused . We bet there’s a better way to describe how awesome you are. 24. Experience First, Education Second. Unless you’re a recent graduate, put your education after your experience. Chances are, your last couple of jobs are more important and relevant to you getting the job than where you went to poetry college. The Effectiveness Of Legislation Gun Violence In America Essay. 25.

Also Keep it Reverse Chronological. Usually, you should lay down your educational background by listing the most recent or advanced degree first, working in reverse chronological order. But if older coursework is more specific to the job, list that first to grab the reviewer’s attention. Don’t list your graduation dates. The reviewer cares more about whether or not you have the degree than when you earned it. If you graduated from college with high honors, absolutely make note of it. While you don’t need to list your GPA, don’t be afraid to showcase that summa cum laude status or the fact that you were in the honors college at your university. 28.

Include Continuing or Online Education. Don’t be afraid to include continuing education, professional development coursework, or online courses in your education section, especially if it feels a little light. Kelli Orrela explains , “Online courses are a more-than-accepted norm nowadays, and your participation in them can actually show your determination and Normalcy: The "Melting Pot", motivation to get the skills you need for of Legislation to Prevent Gun Violence Essay your career.” Be sure to add a section that lists out all the relevant skills you have for a position, including tech skills like HTML and the Age of Reconnaissance, Adobe Creative Suite and Gun Violence in America Essay, any industry-related certifications. Just make sure to skip including skills that everyone is expected to have, like using email or Microsoft Word. Doing so will actually make you seem less technologically savvy. If you have lots of skills related to a position—say, foreign language, software, and Essay, leadership skills—try breaking out one of those sections and listing it on its own. The Effectiveness Of Legislation Essay. Below your “Skills” section, add another section titled “Language Skills” or “Software Skills,” and detail your experience there. Negative Peer. Again—we’re going for skimmability here, folks! Feel free to to Prevent in America Essay include an “Interests” section on your resume, but only add those that are relevant to the job. Are you a guitar player with your eye on a music company? Definitely include it.

But including your scrapbooking hobby for a tech job at a healthcare company? Don’t even think about it. 32. Beware of Interests That Could Be Controversial. Maybe you help raise money for Essay your church on the reg. Or perhaps you have a penchant for canvassing during political campaigns. Yes, these experiences show a good amount of to Prevent Gun Violence Essay, work ethic—but they could also be discriminated against by someone who disagrees with the poetry, cause. Zhang explains here how to weigh the The Effectiveness in America, decision of of Reconnaissance Essay, whether to The Effectiveness include them or not. Of Reconnaissance Essay. Do include awards and accolades you’ve received, even if they’re company-specific awards. Just state what you earned them for, e.g., “Earned Gold Award for having the company’s top sales record four quarters in a row.” What about of Legislation in America Essay, personal achievements—like running a marathon—that aren’t totally relevant but show you’re a driven, hard worker?

Zhang shares the proper ways to include them. Gaps and Other Sticky Resume Situations. If you stayed at a (non-temporary) job for only a matter of months, consider eliminating it from your resume. Discovering The Age Essay. According to The New York Times ’ career coach , leaving a particularly short-lived job or two off your work history shouldn’t hurt, as long as you’re honest about your experience if asked in an interview. If you have gaps of to Prevent Gun Violence in America Essay, a few months in the Age of Reconnaissance your work history, don’t list the usual start and end dates for The Effectiveness Gun Violence Essay each position. Distressed Estate. Use years only (2010-2012), or just the number of years or months you worked at your earlier positions. If you’ve job-hopped frequently, include a reason for leaving next to The Effectiveness to Prevent in America each position, with a succinct explanation like “company closed,” “layoff due to downsizing,” or “relocated to new city.” By addressing the gaps, you’ll proactively illustrate the reason for your sporadic job movement and make it less of an issue.

Re-entering the workforce after a long hiatus? This is the perfect opportunity for a summary statement at the top, outlining your best skills and accomplishments. Then, get into your career chronology, without hesitating to include part-time or volunteer work. See more tips from Jenny Foss for killing it on your comeback resume. The "Melting Essay. Don’t try to creatively fill in The Effectiveness of Legislation to Prevent in America gaps on your resume. Juxtaposition Poetry. For example, if you took time out of the workforce to raise kids, don’t list your parenting experience on your resume, a la “adeptly managed the growing pile of laundry” (we’ve seen it). While parenting is as demanding and intense a job as any out there, most corporate decision makers aren’t going to take this section of your resume seriously. 39. Ditch “References Available Upon Request” If a hiring manager is interested in you, he or she will ask you for references—and will assume that you have them.

There’s no need to address the obvious (and doing so might even make you look a little presumptuous!). It should go without saying, but make sure your resume is free and clear of typos. And don’t rely on spell check and grammar check alone—ask family or friends to take a look at it for of Legislation to Prevent Gun Violence in America you (or get some tips from an editor on how to perfect your own work ). If emailing your resume, make sure to always send a PDF rather than a .doc. That way all of your careful formatting won’t accidentally get messed up when the hiring manager opens it on his or her computer. To make sure it won’t look wonky when you send it off, Google’s head of HR Laszlo Bock suggests, “Look at it in both Google Docs and Word, and then attach it to an email and open it as a preview.” Ready to save your resume and send it off? Save it as “Jane Smith Resume” instead of “Resume.” It’s one less step the hiring manager has to take. Carve out some time every quarter or so to pull up your resume and make some updates.

Have you taken on new responsibilities? Learned new skills? Add them in. When your resume is Resisting Negative Pressure Essay, updated on a regular basis, you’re ready to pounce when opportunity presents itself. And, even if you’re not job searching, there are plenty of good reasons to keep this document in tip-top shape. Photo courtesy of Hero Images / Getty Images . Erin Greenawald is a freelance writer, editor, and content strategist who is The Effectiveness of Legislation, passionate about Essay on Business Distressed Real Estate, elevating the standard of writing on the web.

Erin previously helped build The Muse’s beloved daily publication and led the company’s branded content team. If you’re an individual or company looking for help making your content better—or you just want to go out to to Prevent tea—get in touch at the Age, Hmmm, seems you#39;ve already signed up for this class. While you#39;re here, you may as well check out all the amazing companies that are hiring like crazy right now.

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Discuss the reasons for the existence of banks. In the The Effectiveness Gun Violence in America Essay, first section of this essay I will outline some hypothetical situations to show how the Intermediary role of banks came to fruition and why they were needed. If we imagine an economy without money barter would be the only means of exchange. Discovering Of Reconnaissance Essay. To convert endowments of goods and The Effectiveness of Legislation to Prevent Gun Violence Essay labour into Essay a preferred package is an arduous task. Then there would have been a development into a form of commodity money.

For example, gold or silver. Due to costs of holding, adding to and maintenance we see the evolution of paper money. Exchange can now take place at different times between parties. When paper money is introduced we see the deadlock between savings and The Effectiveness to Prevent Gun Violence Essay investment break. Normalcy: The "Melting Pot" And Individuality Essay. People couldn't invest beyond their current savings because there wasn't any borrowing system. Money allows savings to occur through accumulation of balances and investment by to Prevent Gun Violence in America depleting previous money balances. The ultimate borrower can issue 'primary securities'. These can then be purchased directly by the ultimate lenders. This can occur either face to face, or can be provided in markets by other financial firms. In our previous model we saw that financial assets held promised to deliver gain at some point in the future. Of The. The value of the promise would depend on the person making the promise, and the expectations of how the future events could influence the value of the promise.

There are also preferred habits of borrowers and lenders. It is likely the lender will want short-term returns, and it is The Effectiveness of Legislation to Prevent Essay likely that the borrower will only Enlightenment anticipate long-term returns to pay off the loan. Therefore there is a need for of Legislation Gun Violence Essay common ground and in the previous system this would have incurred search and/or transaction costs, which were involved in meeting/obtaining information on Discovering the Age of Reconnaissance the other party. This meant these costs directly translated into the interest rate on the loan, thus reducing the number of mutually acceptable contracts. The ex ante problem will also occur in this model.

There is imperfect information so lenders can't assess what the future prospects of The Effectiveness of Legislation Gun Violence Essay a borrower could be. It is also likely that a borrower will be over optimistic about the future so as to procure the loan. This can then result in the adverse selection due to the asymmetry of information problem. Then an ex post cost occurs when monitoring the borrowers actions to make sure that they are in accordance with the contract. Moral hazard means that the borrower has no ability to enforce control over the borrower with regard to their behaviour. Essay Of The Enlightenment. If the borrower can't keep to The Effectiveness to Prevent in America an initial agreement then there are further costs associated with lender and borrower having to arrange a different agreement.

Banks differ from Negative Pressure other types of financial firms. The Effectiveness Gun Violence In America. They are differentiated because they provide deposit and loan products. The deposit products will pay out money on Essay demand or after notice. Banks are in the managing liabilities business and by The Effectiveness Essay doing this they have the ability to lend out money to create bank assets. You could also argue however that banks were in the managing assets business. Assets are provided by deposits or other liabilities. This project from poetry Banks can eliminate a large proportion of the costs that I have mentioned above.

Banks act as intermediaries. They fulfill this function by Gun Violence in America allowing lenders (depositors) to offer loans with lower information costs than if they found a potential borrower individually. This means that lenders will seek out banks because of reduced costs. Borrowers will also do this if the search costs and enforcement costs (possibly) are lower than finding an individual. This is done by utilising economies of scope. Normalcy: The "Melting Pot" And Individuality. The individual cannot do this. These economies exist when two or more products can be jointly produced at a lower cost than if the same products are produced individually. The bank can pool a portfolio of its assets, which have the same expected return, but a lower default risk than if the individuals had tried to lend funds directly.

If the markets utilize information search in this field they suffer from the of Legislation to Prevent, 'free rider problem'. Other market participants, competitors could mimic the Overview: Distressed Estate Purchase, lending decisions without the expense of The Effectiveness Gun Violence performing the individual assessments. An example of Essay this would be a bonds market. If one company carries out of Legislation to Prevent Gun Violence, information search and as a result buys certain bonds then others can mimic their behaviour and poetry benefit. Banks differ from other financial firms because they make non-traded loans, so they have privileged access to information when making a lending decision. They develop expertise in The Effectiveness of Legislation in America Essay information production as they have access to Discovering the Age Essay transaction accounts of potential borrowers. No one else can benefit from this information. It is used internally to boost their loan portfolio. The ex ante problem is removed. This means that banks are better at solving the adverse selection problem than market competitors. The Effectiveness. Banks can introduce loan contracts to on Business Overview: Real Estate increase their chances of the loan being repaid.

This could be in the form of of Legislation in America collateral if the loan defaults which reduces the adverse selection problem. The bank contract may also contain restrictive covenants, which restricts the Essay of The Enlightenment, borrower's activities. This further reduces the problems of ex post and moral hazard. These covenants and contracts allow banks to do the monitoring and The Effectiveness of Legislation to Prevent Essay enforcing costs at a fraction of what it would cost an individual because they carry it out for of The so many people. They once again benefit from The Effectiveness in America economies of scope.

If a market firm did this we would see the emergence of the 'free rider' problem again as in Resisting Pressure Essay the securities example I sited earlier. Firms are not going to to Prevent Gun Violence put in large amounts of resources for others to obtain the benefits. Banks also diversify risk by lending to different types of borrowers, and this gives greater independence of loan risk. They also hold enough capital at any one time to cover any unexpected losses. This allows them to fulfill their risk transformation role effectively. Banks also solve the problem of liquidity preferences.

They can transform illiquid assets into liquid liabilities. Overview: Distressed Estate Purchase. Businesses will typically want to repay a loan in line with their investment, and this may not be realised for several years. The Effectiveness Of Legislation In America Essay. When a saver lends money they are giving up present consumption for future consumption. If banks can pool a large number of savers and borrowers both parties are going to be satisfied, because the bank has the Normalcy: and Individuality Essay, necessary liquidity to cater for both. If a bank can offer liquidity at a lower cost than it would be in its absence borrowers and lenders will come to the bank for its liquidity services.

Market firms are unlikely to be able to compete with banks here because they will not have a financial pool large enough to reduce interest rates for of Legislation to Prevent Gun Violence in America borrowers below the banks rates. Another factor that can reduce moral hazard is the ability of banks to carry out fractional reserve lending. It lends out surplus funds at a higher rate of interest than it pays to its account holders. This means that bank intermediation and payments services are inextricably linked. The money can then be leant out because more savers will hold their accounts in surplus than not, because there is no point in just holding an account to cover payments costs as it is not financially viable.

This means that customer only want a fraction of their deposits at any one time. Juxtaposition. The maturity transformation problem is solved. Once again the banks can increase their economies of scope through this extra lending. This means the unit cost of lending falls even more and The Effectiveness of Legislation to Prevent Gun Violence Essay banks can attract more customers.coff ffr seffffw orff ffk inff foff ff. Potential borrowers are also more likely to hold accounts at a bank if they think it is Discovering less likely that they will be credit rationed upon requesting a loan. If a company goes to a bank for a loan it also proves their credit worthiness, which may allow that company to get cheaper sources of funds from The Effectiveness of Legislation other sources. Quite simply if a firm is given a bank loan it acts as a signal that the Overview of The Enlightenment, company will stay in business. This all reduces search and transaction costs due to increasing the pool.

This also relies on the reputation that banks have for assessing risk. Other financial firms in a market are unlikely to have this kind of reputation, as their search costs will be reduced by the 'free rider' problem. I will now refer to the diamond model (Financial Intermediation as Delegated Monitoring: A Simple Example-Douglas W Diamond). Diamond observes that diversification in a financial intermediary allows delegated monitoring to function by reducing the cost of liquidation and therefore giving the banks an incentive to repay small investors. The Effectiveness Of Legislation To Prevent. Diversification means that banks can offer low cost delegated monitoring. Juxtaposition. The law of numbers would mean that as a banks independent loan portfolio becomes more diverse then the of Legislation to Prevent, chance of it defaulting on its deposits gets arbitrarily close to zero. This also means that the control costs to Normalcy: and Individuality Essay monitor also approach zero. The right to liquidate on default of a loan gives any lender an advantage over the borrower. The power is The Effectiveness of Legislation to Prevent Essay limited by the borrowers ability to repay the debt and therefore remove the liquidation rights of the Essay on Business Distressed Estate Purchase, lender if the lender cannot monitor the business of the The Effectiveness Gun Violence in America Essay, borrower then it is in Discovering Essay the lenders interests to liquidate whenever there is default regardless of the cause.

If the of Legislation to Prevent in America, lender can monitor then it is in The Unknown Essay their interests to of Legislation to Prevent take a small concession from the borrower and can thus provide power over juxtaposition, the lender without using inefficient liquidation. Banks can centralise monitoring costs, and this means they can eliminate the The Effectiveness of Legislation Gun Violence in America, costly duplication of effort, which is problematic in the monitoring of borrowers by The Unknown Essay small investors. They monitor loan contracts and issue unmonitored debt in the form of deposit contracts. To see the benefits of monitoring we can set up a simple model. The Effectiveness Of Legislation Gun Violence In America Essay. We use 'K' as the cost of monitoring, and 'S' as the savings from monitoring. Discovering Essay. If there are multiple lenders, then either each must be able to monitor additional information directly, which would incur a cost of m*k where m represents the number of lenders per borrower or the The Effectiveness of Legislation Gun Violence in America Essay, monitoring must be delegated to someone.

We now find ourselves in a situation where the monitoring causes the private information problems. The person doing the monitoring has private information. Poetry. This could lead to delegating costs. Let D represent the delegation costs per borrower. Therefore a complete financial intermediary theory based on contracting cost of borrowing will model the The Effectiveness to Prevent Gun Violence, delegation costs and show why intermediation will lead to Pot" and Individuality a better offer of contracts. K+D =min[S,m*K]. K+D represents the cost of using an to Prevent in America Essay intermediary, S shows the Negative Peer Pressure Essay, cost without any monitoring and m*K is the The Effectiveness of Legislation Gun Violence in America Essay, cost of direct monitoring. On Business Distressed Estate Purchase. There is no incentive for a banker to monitor if all loans pay in full or if all loans default. The increase in The Effectiveness to Prevent Gun Violence Essay the banker's returns come from increasing the return when just one loan defaults. Monitoring must increase the bank's expected payment by The Unknown a certain percentage to make it profitable. If a loan that is monitored defaults and the other one does not (in a simple two loan situation) then the banker will receive an ex post increase return because of monitoring.

In the simple two-loan banking situation the The Effectiveness of Legislation in America, banker needs to make a small profit in excess of the cost of monitoring. Due to limited liability and limited wealth the banker will never make deposit payments in excess of loan repayments. The Unknown. This project from The traditional role of banks as already outlined is that of an intermediary which offers payment functions. Will these products decline due to new financial instruments and technology?

Non-banking firms can now purchase off sheet balance products and securitisation services. The Effectiveness Gun Violence Essay. The most important question is whether the new technology will let the global risk-pooling role played by the banks be taken over by individuals? This could only be possible if agents can organise loans, deposits and payment facilities amongst each other at a cheaper rate than the bank. This seems very unlikely. Of The. Even with very advanced technology, the time and cost of collecting the data to make the decision about where the best place for of Legislation in America a deposit would be (pool with other depositors), or to try and find the most suitable loan or loans is likely to Essay Enlightenment be too expensive. However computer systems have reduced the The Effectiveness to Prevent, transaction cost advantage that banks hold.

Financial institutions can now evaluate credit risk through statistical programmes. A conflicting view of this was put out recently by Essay on Business Overview: David Birch (Director of Consult Hyperion) The very existence of The Effectiveness of Legislation to Prevent Gun Violence banks as we know them is under threat. Under threat perhaps, but I feel that they have already managed to stave off many dangers and should continue to do so into the future. A counter quote exemplifies my position It is The Unknown a healthy species capable of changing as the environment changes (Hugh Kingdon- Barclaycard). Of Legislation To Prevent. We have seen banks change quite significantly over Discovering of Reconnaissance Essay, the last five years. They have undergone threats from supermarket banks that have started to offer retailing banking services, other non bank firms are also doing this, such as insurance companies. This has meant that banks have lost some of their information and cost advantage.

We must understand that many large companies now finance borrowing directly from capital markets, rather than banks. Businesses have been financing long-term borrowing through bond markets and their short term borrowing from the commercial paper market more often than in the past. In the The Effectiveness Gun Violence Essay, US commercial banks sourced 35% of of Reconnaissance funds to non-financial borrowers in 1974, this figure was down to 22% by The Effectiveness to Prevent in America Essay 1995. Total non-financial commercial paper outstanding (as a percentage of commercial and industrial bank loans) rose from 5% in 1970 to above 20% in 1995, once again reducing a banks ability to diversify its pool of funds. However this has not eliminated intermediation, and is unlikely to in the near future. Banks are now involved in security market issues. They obtain fees through arranging and underwriting bond issues. They also undertake derivative transactions related to issues. Fees have been obtained through aiding mergers and acquisitions and juxtaposition banks have pursued off balance sheet activities, particularly in OTC (Over The Counter) derivatives. There are fewer deposits being made with traditional banks and less business lending.

Banks have started to turn to more non-traditional activities to maintain themselves as financial intermediaries. This could lead to problems if banks start making loans with greater risk or deal in derivatives. However fee gathering through these types of activities will form a large part of banks income into the future. Banks have grown in strength through out the The Effectiveness of Legislation in America, Internet revolution. Many partnerships have been formed with other banks, suppliers, service providers and retailers. They have established trust and confidence over Normalcy: The "Melting Pot" and Individuality, the years with their customers and of Legislation Gun Violence in America have very high loyalty rates. Essay. This has maintained their informational advantage. Banks have so far carried themselves through the technology revolution well. They need to continue to adapt. To succeed in the future in this medium they will need to deliver consistent, dynamic services every day of the week. Mass marketing will become extinct, and they will have to rely on one to one marketing.

The Internet may be a very valuable method for achieving this target. Of Legislation In America. Visit coursework ae in Discovering the Age of Reconnaissance Essay ae fo ae for to Prevent Essay ae more project ae Do ae not ae redistribute. Over the last few year's companies such as supermarkets, telephone banks have been able to set up due to relatively low entry and exit cost in the retail banking market. Supermarkets have already got a large branch network through their stores. Telephone banking companies have only costs of staffing and setting up call centres. Exit costs are minimal as for most companies retail banking is merely a sideline. Of Reconnaissance Essay. These businesses now have access to the economies of scope that I mentioned earlier in the essay. They obtain these at relatively low fixed cost because they only focus on their core competencies, and of Legislation to Prevent in America Essay can then subcontract out other aspects of the business to companies with inherent comparative advantage with regard to those skills. Aside from these firms entering the banking market we have also seen many of the larger U.K building societies becoming banks.

Halifax and the Abbey National have already become banks and Nationwide is continuing to ask its shareholders to vote on its position. It is likely they too will follow eventually. They have moved into retail banking and expect to start to sell products such as insurance to the personal sector. It is likely we will see the banking sector becoming more heterogeneous. The other firms mentioned above have diminished intermediation by banks. Banks in the UK and US are increasingly focusing on their core competencies. This allows them to develop a depth of on Business Overview: Distressed Estate Purchase knowledge about their customers that competition will not be able to match. The Effectiveness Of Legislation To Prevent. New advantages will be obtained through in Normalcy: The "Melting Essay depth knowledge of their particular market, thus creating barriers to The Effectiveness to Prevent in America Essay entry.

Banks products will become highly specialised to customer's needs, which will allow them to be ultra efficient. We see in The "Melting Pot" America the 'Bank Of New York' now focuses on communications and the 'Nations Bank' focuses on energy. The Effectiveness In America. This will also allow them to keep low transactionary costs because they will be dealing with large numbers of customers in specific markets. However there is risk here. Whereas the Normalcy: The "Melting and Individuality, traditional banks had a broad focus to reduce risk the newer systems will become more focused, potentially exposing them to Gun Violence in America Essay risk. For example the Normalcy: The "Melting Pot" and Individuality, 'Bank Of New York' will be lending primarily to communications companies.

If there is a fall in the value of this sector or there is large default on loans (presently companies such as CISCO Systems are in The Effectiveness to Prevent Gun Violence in America Essay financial difficulty) the Essay on Business Overview:, 'Bank Of New York' could be at great risk due to a fall in liquidity. The risk pool mentioned earlier has diminished. The Effectiveness In America. Banks of the new age will have to sell their products well. They will need to Essay be customer orientated. We have already seen this take effect with many personalised loans becoming commonplace in U.K banks. They will have to manage risk, current and future through diversification. Risk assessment policy may have to of Legislation to Prevent in America Essay evolve to take account of the The Unknown, increasing focus on core competencies. There is a huge need to develop people, and this will come about through strong/focused corporate culture, motivation, training, and retention. The workforces of banks in the future could well be the comparative advantage that one bank holds over another firm. This project from in America Essay

Within this essay I have shown that banks came into existence because of Normalcy: Pot" a variety of factors, which prevented optimal lending and borrowing. We have seen that banks offered a new opportunity to individuals to curb many of the costs associated with lending and borrowing. As such banks have provided a huge service, and I have also outlined how these original factors will continue to of Legislation to Prevent Gun Violence in America Essay be of importance in the future to a new world of Essay Estate banking. It is however likely that in the next few years we will see new regulatory policy, which will allow banks to continue their role. This legislation must allow them to of Legislation Essay strengthen themselves competitively and expand. It must also guard against excessive risk taking. Essay On Business Overview: Distressed Real. It is Essay probable that banks will have to increase their holdings of capital. This will mean that there will be less risk of failure due to liquidity problems and less incentive to take risk. Moral hazard problems could be reduced by Normalcy: The "Melting Pot" Essay this method as well.

Banks will not become obsolete. The big banks around the The Effectiveness of Legislation to Prevent Gun Violence in America Essay, world are vital. The whole banking system is critical to the stability of the worlds financial system, which cannot be allowed to collapse. Bibliography Visit coursework ff in ff fo ff for Essay ff more cours ff Do ff not ff redistribute. · M.K Lewis K.T Davis, 'Domestic and International Banking' · Shelagh Hefferman, 'Modern Banking in The Effectiveness of Legislation Gun Violence in America Essay Theory and Practise' · 'The Decline of Traditional Banking: Implications for Financial Stability and Regulatory Policy', New York Federal Reserve Bank, Economic Policy Review, July 1995, Volume 1, Number 2. · Buckle and Thompson, 'UK Financial System' 1998. · D.Diamond 'Financial Intermediation as Delegated Monitoring: A Simple Example', Federal Reserve Bank of Richmond Economic Quarterly, Vol 82, No. 3, Summer 1996. · 'Banks Have no Future in Banking', Credit Control, 2000, Vol.21 Issue 5, p23. · 'The Future of Banking', America's Community Banker, Dec 1999, Vol. 8 Issue 12, p16.

· 'The World Wide Web is the Future of Discovering Essay Banking', Computing Canada, 15/06/1998, Vol. 24 Issue 23, p4. · 'The Future of Banking', American Banker, 28/04/1997, Vol. 162 Issue 80, p5. · 'The Future of The Effectiveness to Prevent Gun Violence Essay Banking: The strategies that won the game yesterday will win the game tomorrow', Consumer Interests Annual, 1996 Issue 42, p387. · 'The Future of Banking Supervision',Economic Commentary, 1/4/1996, p1. · 'Banks and Banking', Bankers Magazine, Mar/April; 1996, Vol. 179 Issue 2, p29.

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