Inspiration for Future Writers and Those Who Want to Become a Writer

Inspiration for Future Writers and Those Who Want to Become a Writer Writing requires discipline and skills, but you will hardly write something worthy without inspiration. The thing is that the great feeling of inspiration that helps us find excellent ideas and right words leaves us from time to time. That’s when writers get stuck and struggle to write at least one page. Is thissituation sound familiar to you? Then, the tips below may be really helpful.Scroll down to find the most common sources of inspiration of professional writers. Books Yes, reading a book can inspire you to write your own story. Works of other talented writers are not only an amazing source of inspiration, but they are also handy when you need to form your own style. You can read books and analyze them to find words, devices, specific features used by your colleagues. Some of them may be of use to you. Go Outside Go for a walk and visit some beautiful places. It can be any park, cafà © with the vibrant atmosphere or any other destination that helps you to charge ‘your battery’. Several hours outside can help you relax. What is more, that is an amazing opportunity to observe nature, people†¦everything. Art imitates life, so observation may encourage you to produce some fresh ideas. Music Music,especially classical one, can make you relaxed and happier. It is proven bynumerous scientific researches. It can also create an artistic atmosphere thatcan trigger a new plot twist in its turn. Keep a Diary   It is a good idea to keep a personal journal and write down all your feelings, fears, worries etc. It can reduce stress and prevent you from getting stuck, as you are not distracted by undesirable thoughts. Exercise Scientists prove that physical exercises have a good influence on your mood and mental state. They give you more energy and increase the performance of your brain. As a result, you are more likely to forget about writing crisis. Do not Forget to Travel The changeof daily routine, impressions, experience, new friends†¦these are just severalthings that travelling gives to us. It is a valuable source of inspiration.Thus, travel regularly and you can forget about the feeling of getting stuck. Spend Time with Children The childhood is the time when people are the most creative. Thus, you can spend some time with children, and they can give you some ideas for the plot. They can also awake you own ‘inner’ child. Painting are Also Inspiring Art can be an excellent source of inspiration, so do not hesitate to visit galleries or exhibitions and contemplate. Think what inspired the painter to create his work, imagine the process, dwell upon what would you depict with the help of paints. Look Through Blogs on the Internet Nowadays, people write about everything on the Internet, so you can find posts on various topics from movie reviews to the analysis of global problems. Do not hesitate to read the thoughts of other people, as they can encourage you to express your own view. Focus Sometimes, we do not need the inspiration to start writing. We just have to focus and do not distract on social media, outside world, phone calls etc. Thus, try to get rid of everything that can distract you and find several hours to work in silence.

Enslavement and the Modern Society

Enslavement and the Modern Society Introduction This paper answers to questions based on readings on modern day enslavement. Ten questions are answered in the three major parts of this paper. The first part, is a bout early forms of colonialism and how it changed the way of live, it looks into the meaning of micro-level form of slavery and expounds on micro-level debt of peonage.Advertising We will write a custom essay sample on Enslavement and the Modern Society specifically for you for only $16.05 $11/page Learn More Further, the first part concisely articulates how contemporary debt peonage has been coined into racial form of slavery and it explains how unfree and free labor is interlinked politically. The second part of the paper explores the meaning of space of flow as used in selected book. Moreover, the paper in the second part, further explains why space of places constitute a challenge to a basic lever of the new power system. The third part of this paper looks into what the author m eant when he used the word self-programmable labor and generic labor. It also explains what is meant by individualization of labor and a personal implication about the impact of a new economy has in movements and trade unions. Finally a conclusion sums it all. Slave trade and slavery was a major form of revolution that sprang across the globe some centuries ago. This was a phenomenon that was influenced by shortage of labor in the western world to work in various sectors of their economy (Winant 181). Massive form of human labor was urgently needed at this time to increase production. Slaves were sought after to work in industries and agricultural plantations because they provided cheap form of labor and decreased production costs (Winant 185). This was a major practice exercised by the world’s most exploitative nations who wanted to conquer the world. New Type of Enslavement Despite this form of enslavement being abolished, slavery has taken a different tune in our modern so ciety; Micro – level kind of slavery has emerged. A bureaucratic nation has embraced this form of enslavement to perpetrate their vice (Winant 192). Due to abolition of slavery, there has been scarce and shortage of cheap labour in their agricultural and industrial sectors and hence micro- level slavery. In this form of slavery, the peasants and poor people are subjected to peonage; immigrants have been taken advantage of in big cities around the world (Winant 193). This new form of slavery is most practiced when work to be done needs less skills or no skills at all.Advertising Looking for essay on social sciences? Let's see if we can help you! Get your first paper with 15% OFF Learn More The mass of poor immigrants especially from rural areas have been put under subjection of their masters because of their large immigration numbers and scarcity of salaried jobs to be done. The Immigrants are subjected to exploitation and sub employment is a major phen omenon not only in the developed countries but also commonly witnessed in developing countries. The informal sector has adversely been affected by micro level slavery (Winant 193). What Winant means by Micro- level form of Debt Peonage Massive forms of exploitation, over time, affected some nations adversely. The super rich nations plundered the economies of the developing nations by taking what they needed most e.g. minerals, labor, agricultural products. Apart from exploitation of natural resources to exhaustion, they affected locals psychologically; leaving them torn asunder. Due to imbalanced distribution of resources, developing nations turned to developed nations for loans. Consequently, the developed nations have kept other nations under debt of peonage despite taking all the resources from them (Winant 197). Modern debt peonage exercised by world super rich economies has emerged as a stumbling block for most struggling economies and especially the third countries: their terr itories of their peonage during the colonial rule (Winant 199). They have taken no interest to share what they once took because they heavily benefited form the third world economies to stabilize their own. Contrarily, they have made the developing nations to pay much wealthy, more times than the expected compensations. This is evidently seen in how they are handling International indebtedness, so they regard this as paying back because of the abolition of slavery. Contemporary Debt Peonage: a Racialized Form of Slavery Many poor countries have been forced to pay the super rich countries double or even triple the amount they borrowed from rich nations (Winant 202). The debt payment sometimes is increased compared to the original debt to be repaid, and when paid there is more money paid in form of interest. But for them, they are never confronted to repay for example Germany when it was defeated in the WWII (Winant 188). They decide who to get more finance and there terms of repaymen t. This has made many nations especially from developing world to associate this to racial slavery because of the way the aid is administered basing on the nations capability and association to the west (Winant 196). Financial systems have been used to further create a huge line between the poor nations and the super rich. After exploitation and exhausting their resources, and human force to work in their corporate plantation, they have come up with another strategy of exploiting their financial systems (Winant 206). They introduce another form of subjection of selling their agricultural goods of which the poor nations have planted by themselves.Advertising We will write a custom essay sample on Enslavement and the Modern Society specifically for you for only $16.05 $11/page Learn More They want to sell weapons acquired by their corrupt governments to developed nations that they can fight their neighbor or other ethnicity. International lending organization s like IMF have imposed strict lending policies in its reimbursement to poor nations, it’s not only through debts but they have crippled other ways of development which would have been a major boost to struggling economies (Winant 220). There is restriction in immigration, education systems are not getting better, social programs to help poor nations are no where Aids medicines are untraceable, and there is no incentive for foreign and domestic investors; a situation, which leaves poor nations to suffer financially (Winant 223). Need to End Split between â€Å"Free† and â€Å"Un-free† Labor We need a system which can balance a gap between the super rich nations and the developing world so that this form of micro – level slavery can end in the world. A space to fully maximize and create equality uniformity has to be sustained (Winant 189). Forced labor created unfree kind of labor because labor was easily available but since the abolition of slave trade mo re changes has been evolved to have an alternative for the developed nations for there sectors of economies. Renting of labor and having some in form of peonage has been widely explored and is on the rise, this has been seen has a source of inducement to those enslaved and to make them happy and work harder, but in the really sense, the slave didn’t realize he was selling his time and skills and owing to the fact that he was doing a peonage job (Winant 228). It was widely used this way for the worker to feel happy that he was free and was enjoying freedom but it wasn’t the case. This was industrial capitalism in developed countries. The issue is nations rely on free or unfree labor. There was a fight in recognition and distinction, there were free workers who supplied major big cities raw materials like Cotton and sugar among others so they were regarded as free because they could not be tied down under close monitoring (Winant 224). After the abolition of slavery free workers have made attempts to remain visible and get recognition from their unfree counterparts, of which freedom to unfree is explicit even though it’s not long lived. This has been a result of racism which is evident here. The emergence of world trade bodies like WTO and NAFTA has yet to narrow down the gap between the developed and the developing world by elaborately having systems in place to check exploitation and dominion over the balance of trade between world nations (Winant 234). It’s seen to counter the bureaucracy that was established during slavery and transform it to the world of today by fostering unity between world countries. This will create a politically harmonious world between world nationsAdvertising Looking for essay on social sciences? Let's see if we can help you! Get your first paper with 15% OFF Learn More Space of Flows The space of flow can be defined as material or organization of time which shares a social precise and its working is centered through flows (Castells, â€Å"the Power of Identity†167). Flows have various sequences which are recurrent and repetitive in nature and there are interactions among the flows which are physically scattered over a wide area or in a political structure in the society (Castells, â€Å"the Power of Identity†168). The arrangements sometimes can be institutionally base or in major organizations, but whose inner systems has a central role in defining the social and consciousness of the society as a whole. There exist different types of flow in the society (Castells, â€Å"the Power of Identity†178). Information flow is made up of constituted electronic circuits i.e. telecommunication, broadcasting systems and others which facilitate communication. In this flow, it’s physically tangible and hence they play an important rol e in the world network society. Its partial and it happens within our selves, it makes it possible for the society to interact and communicate by using enhanced information technology hardware (Castells, â€Å"the Power of Identity†189). Because it’s physically connected, place does not exist because the positions occurs by the exchange that is within the network. It’s in this that communication is fundamental configuration although the space remains the logic flow within. The network only facilitates efficient information transfer (Castells, â€Å"the Power of Identity† 283). space of flow is made up of nodes and hubs; these nodes play special roles because they link a distant station to one another, the hub and node link sparsely distributed networks relaying information to a central point in the society (Castells, â€Å"the Power of Identity† 245). The linked places are with constituted and well defined as social or physical functions. Space has an important aspect in the society rather than defining the immediate surrounding, it enhances the influence of the social settings to the immediate situation (Castells, â€Å"the Power of Identity† 218). In major cities around the world, space has been transformed in a variety of ways for the society to fit regardless of the status they befall. The elites and the cosmopolitans and how they project their influence among the poor and the immigrants in big cities have been redefined by space. The space of Power has been adversely been affected the way people and nations relate and has been the struggle of the elite to accumulate more through many forms (Castells, â€Å"the Power of Identity† 286). and this has been the persistence of the elites to search and accumulate more wealthy for their sustainability Power and Wealthy doesn’t make a life, People’s life has been known to be deeply rooted in places, the culture they come or inherited and in the history they have used to since they were born (Castells, â€Å"the Power of Identity† 389). All this has shaped the space in which we live and defined our place in the society. The society exists with different types of classes in the society and one class cannot manage to have social flow by its own. For the need of cohesion preservation and further enhancing flow, they need to have a guiding principals and rules to have a clear boundary of both their social and political community (Castells, â€Å"The network society† 189). When the society democratizes its flow then the elites become distinguishable from the rest of the society and the whole population. This allows curtailing political infiltration and representation in a centered globe of strategic decision making (Castells, â€Å"The network society†190). The elites have a luxury form of executing nodes flows, they does it in serene and expensive leisure spaces or residential while emulating a social settings. A place is a setting whose form, function and meaning are self contained within the scope of physical continuity (Castells, â€Å"The network society† 239). Places have contributed to development and strengthening of communities. Although this has been tremendous for the society growth but the lifestyle of the inhabitants has been unpredictable because of the judgment approach that comes with it. Some places have been known to preserve the rich cultural experience creating beauty this sometimes qualifies them as unique places with a different flow (Castells, â€Å"the Power of Identity†240). Immigrants shaped and brought renewal in urban centers where they had gone to search for better life (Castells, â€Å"the Power of Identity† 150). For those were welcomed and given shelter by already established. This altered and reconditioned the aspect of urban renewal in most cities in some parts of the world. For over years the cities have grown and has developed into Plac e of places because of architectural designs (Castells, â€Å"the Power of Identity† 167). This has been a result of urban renewal waves which swept across these cities by flows and immigrations (Castells, â€Å"the Power of Identity† 189). A new way of life which is harmonious has been created. This has in turn influenced the establishments of new power systems coiled around this big urban city. And great physical outlook has been rediscovered and redesigned. Nevertheless, of being superb and rich culture, a number of them have enjoyed economical support from their own nation because of the power they posses (Castells, â€Å"the Power of Identity† 194). But the new modernization has brought a new harmonic and coexistence between societies this has dispelled fears and tension between many communities around the world. There has been intermingling of class and a social cohesion. Middle class and the poor immigrants lives together in major neighbourhoods fostering urban vitality and they have a created a culture of survival while preserving the aspects of their culture and their past histories about the urban life (Castells, â€Å"the Power of Identity† 199). Both have interacted with space and hence finding its real meaning in flows. Space of Places Space of Places refers to social forms of time that is not reducible to what have been perceptions to date (Castells, â€Å"the Power of Identity† 181). This has been based on the abstract of social and technical which existed and have been challenged by modern historical happenings. Time has shaped and influenced space since immemorial and this in contradictory has influenced how the time and space has been organized in the society. Space of flow has impacted its influence in already existing information’s systems that already exists and are operable (Castells, â€Å"the Power of Identity† 207). The information in the global economy has been well laid with efficient control monitors to enable innovation and coordination of interlinked firms’ i.e. in finance, insurance firms, and many other companies which depend on information highway. The modern economies of these companies rely to knowledgeably generated information and its flow (Castells, â€Å"the Power of Identity† 210). They have well organized and reliable telecommunication infrastructures which make it easier to reach their nodes around the globe. Part two: Question 3: space of places a challenge to lever in New power System Most reliable sources have indicated that there is a pattern of dispersion of organizations around the world. This has been attribute to the fact of searching new markets and expanding their grasp in every sphere of the globe, they does this to increase there Financial aspect whereas opening job opportunities for many other people in big cities (Castells, â€Å"the Power of Identity† 215). This further has attracted huge investments not only in the intended sectors but other developments have come along with their involvements in this big urban city (Stalder 29). some of this companies have been biased the way they organized and set up their investment, they skip investing in marginalized or developing cities and concentrate in investing in more Large cities of developed world (Castells, â€Å"the Power of Identity† 234). They concentrate in this city because of their higher functionality of power and availability of skilled manpower, e.g. New York is regarded as a centre of most international Finance (Castells, â€Å"the Power of Identity† 238). The global integration has revolutionarised major roles of this cities around the world their traditional roles have been modernized. And creation of new power systems established. These centers act as spheres of authority to the world economies and control a number of vital firms around the globe (Castells, â€Å"the Power of Identity† 240). They do also serv e as innovation command centers where new products are produced. In addition they benefit from the already telecommunication and air transport that’s already efficient and well coordinate (Castells, â€Å"the Power of Identity† 245). They do this so that they can remain at competitive edge and strengthen their grip in their approach in investment. When they are financially sound they proceed and set up more real estate businesses in order to plough back what they have got over the times. Smaller world economies have been subjected to these new centers of power in how they formulate their policies and working guidelines (Castells, â€Å"the Power of Identity†248). Self Programmable Labor Self programmable labor describes the growing labor force that is the reduction of the proportion of the labor force (Castells, â€Å"The network society† 200). This is characterized with long tenure employment and promising career path. When new employees are hired for th eir flexibility they replace the old labor force entitled to job security in large scale firms. In generic labor, the definition is slightly different (Castells, â€Å"The network society†201). It’s where a parallel growth of highly educated occupations and low skill jobs with very different bargaining power in the labor market. Individualization of Labor As new economies grow and expand each single day and competition is witnessed every day with a general emphasis on increased productivity, labor individualization becomes a necessity. Individualized labor has been created where by most professional have shifted their skills to match the new trend that is taking place in the corporate world (Castells, â€Å"The network society† 209). Most professionals have individualized there form of professionalism where there is more focus on in flexibility and look for more bargaining power to enhance there expertise. They have defined as clear path for there educational ne eds to target particular career path and opt for jobs which offers security and promotes there welfare (Castells, â€Å"The network society† 215). Impact of Individualization of labor on Trade Unions The transformation that has shaped the world economy and how business tend to cope up has had effects on major trade unions and movements a cross the world (Smith 16). In industrials sectors, the trade unions and movements have to adapt timely to recessions and embrace structural approach to its changes. Trade unions have been transformed in more developed countries to contribute and enhance the success and development of free and fair structures (Smith 18). This has been in form of creating peaceful and democratic nations, establishing markets and ensuring healthy competitions and helping to reduce the negative effects of debts being levied to most third world countries (Smith 24). New formulations and developments to create a just and fair trade between countries have been stre ngthened through unity. Trade barriers and restrictions have been lowered to facilitate trade balance between countries. Conclusion In conclusion, the enslavement of the human population across the world had some positive and negative advantages all together. For instance, economies of the super rich countries, in western world, thrived agriculturally and industrially because of cheap labor and raw materials from the third world countries. Most of the nations where this happened, especially the third world countries, remained very poor. Furthermore, the human populations which were forced into the slavery were psychologically affected. After its abolishment, there arises a different form of enslavement peonage. Subtly racism continues to be exercised. A good indicator of the same is in the way the wealthy nations treat developing countries with an air of superiority not just economically but intellectually and racially. Wealthy nations contribute their share to international aids ag ency and financial institutions like IMF but also control them in every way. Through the established international institutions offer aid and loans but with stringed rules that make recipient countries mere puppets in the whole scheme undermining national sovereignty. Well the space of flow has allowed and shaped many aspects of many businesses in the societies. The revolution in the space flow has been occasioned by changes in communication around the world towards what is referred to as the information age. The information age is characterized by improved communication strategy that ensures information transfer around the globe in micro seconds. This has led to the establishment of networks which has enabled closer interlinking of associated societies and developed new social dimensions in today’s world. Work Cited Castells, Manuel. The network society: a cross-cultural perspective. Northampton: Edward Elgar Pub, 2004. Castells, Manuel. The Power of Identity: The Informatio n Age: Economy, Society, and Culture: New Jersey; John Wiley and Sons, 2009. Smith, M. K. Rhona. Textbook on International Human Rights. New York: Oxford University Press, 2007. Stalder, Felix. Manuel Castells: the theory of the network society. Cambridge: Polity, 2006. Winant, Howard. The New Politics of Race: Globalism, Difference, Justice. Minnesota: University of Minnesota Press, 2004.

TM04 Essay Example | Topics and Well Written Essays - 750 words

TM04 - Essay Example [31 words] (c) Why might carrying out the same analysis using species rather than families be likely to be less accurate as an assessment of changing diversity if there were a small number of fossils? Explain what working assumption is made when family diversity changes are used to infer patterns of species change. (3 or 4 sentences) Carrying out the same analysis using species rather than families might be less accurate. There are certain to be more new growths of species besides families. The assumption made when family diversity changes are made to infer patterns of species change is that family diversity changes take as long as species changes, but changes in families take longer time to complete. (e) Given the time period considered in (d) compared to (a), estimate the difference in the rate of the species generation (in percentage per million years) at the end of the Cambrian compared to the period from the end of the Permian to the present day, assuming that the rate of extinction is the same. [62 words] The difference in the rate of species generation per million years would be 10.6 percent; this is based on the fact that the Cambrian period was 570 million years ago, the Permian period was 248 million years ago, and if you divide the difference of the two by the difference between the two percentages given, you get 10.6 percent per million years. (a) Molecular clock evidence suggests that a newly discovered group of animal first emerged about 1.2 billion years ago. This is significantly earlier than the fossil evidence. Describe one possible reason for this discrepancy. (1 to 2 sentences) (c) The evolution of the Ediacarans has been linked to the Snowball Earth episodes. Outline one mechanism linked to ocean temperature that could have influenced animal evolution. (2 to 3 sentences) [27 words] â€Å"When one organism actually lives inside the other its called endosymbiosis. The endosymbiotic theory describes

The Different Source of Law in England and Wales Essay

The Different Source of Law in England and Wales - Essay Example The parliament consists of the House of Lords and the House of Commons. The two houses usually consist of eight hundred and six hundred and fifty members respectively (Slorach 2013, p.47). Common law, on the hand, is where higher appellate courts’, namely the Court of Appeal and the Supreme court, judgments are set as precedence that are to be followed by all the subordinate courts to make future judgments on similar cases. This is often done to create unity and consistency in making judgments. European Union Laws are laws that are created by the European Union (EU) to which Wales and England are members. Since the EU is greater than the two countries, EU laws often precedence over UK laws (Slapper & Kelly 2011, p.83). The Human Rights Act 1998, which was ratified by member states of Council of Europe to later become known as European Convention on Human Right (ECHR), also serves as a major source of law for the two countries. This is because UK is a signatory to its statute. This, therefore, binds all courts in the two countries to protect human rights using the set conventions as noted in the ECHR. England and Wale’s sources of law are often categorized as either internal or external. The internal sources include the statutory laws and the common law. The external law includes the ECHR and the EU laws. Internal laws are the laws that are created by the law-making organs of the two countries. On the other hand, statutory laws are created by the legislature while common laws are drawn from precedencies set by the two senior most appellate court namely the Court of Appeal and the Supreme Court (Reinsch 2004, p.50). The citizens of the two countries uniformly recognize all these organs. External sources of law, on the other hand, are as a result of the ratification of agreed on convention by the European blocks that come together to pursue a common good (Reinsch 2004, p.51).  

Study on Phone Usage for Financial Services

Study on Phone Usage for Financial Services A STUDY ON USAGE OF MOBILE PHONE IN THE ACCESS OF FINANCIAL SERVICES AMONG RESIDENTS OF KANGUNDO CONSTITUENCY Background to the study The use of mobile has been taunted as the next big thing in the empowering of communities. ICT plays a big role in literally all spheres of life, and this explains why the government has supported laying of ICT infrastructure across the country. It is reported that Central Bank of Kenya’s enabling regulatory approach allows 23 million people (74% of adult population) to use mobile financial services via 90,000 agents (Alliance for Financial Inclusion, 2012, P.20). Expansion of the ICT sector has a direct contribution to a society’s access to information and subsequently empowerment. The use of mobile phone has revolutionized banking in the recent past, by netting the initially unbanked. Inventions in mobile phone have made tremendous contributions to financial services advancement. Banks have jostled to outsmart each other by launching varied mobile banking services, so are the mobile network operators. Such services by the banks are dependent on the platforms of existing mobile phone network operators. These services are accessed through USSD, WAP applications and internet banking. We have seen the emergence of mobile bank accounts such as M-benki (KCB), M-Shwari (CBA), M-Kesho (Equity Bank) and Pesa Mob (Family Bank). There have been partnership deals among these Banks and Mobile phone operators. Moreover, customers are able to access credit facilities through these mobile bank accounts as well as make loan payments. Other services in clude funds transfer, airtime top up, credit card payment, accessing mini-statements, balance enquiries and even stoppage of cheques. Agency Banking, which was meant to bring banking services closer to the customers equally relies heavily on the use of mobile phones. They include KCB Mtaani and Co-op Jirani. However, it is notable that there is a variation in usage of the mobile phone platform between urban and rural areas. We shall seek to know the trends in the usage of mobile phones to access financial services by residents of Kangundo Constituency. Statement of the problem This is a study to gauge whether residents of Kangundo constituency have embraced mobile phone technology to access financial services. Significance of study This study seeks to appreciate the use to technology to ease financial services accessibility. Traditional methods of visiting banks have long been overtaken by inventions in technology. Therefore this study will seek to explore whether the residents of this constituency have taken advantage of the more convenient financial services provision methods, as is now commonly known- paperless and Branchless banking. Access to banking services includes access to credit facilities which are a key catalyst for economic empowerment. The findings of this survey will prove useful to the constituents of Kangundo, financial services providers as well as mobile network operators. Purpose of the study This study seeks to: To establish the number of residents who own mobile phones To establish the number of residents who have registered for mobile phone services such as Mpesa, Airtel Money, Yu Cash and Orange Cash To establish the number of residents who have opened mobile bank accounts To establish applications used to access mobile banking services: USSD, WAP, Internet banking To establish the usage of bank agents in access of financial services To establish demographic trends in access of Banking services (Age, sex, education, employment status) Definition of concepts USSD- Unstructured Supplementary Service Data WAP Wireless Application Protocol Unbanked By definition, unbanked customers have no checking, savings, credit, or insurance account with a traditional, regulated depository institution (Delloitte, 2012, p.2) Literature Review The government recognizes ICT as a foundation for economic development, and as such, Kenya’s vision of knowledge based economy aims at shifting the current industrial development path towards innovation where creation, adoption, adaptation and use of knowledge remain the key source of economic growth as this is a critical tool for expanding human skills and rests largely on a system of producing, distributing and utilizing information and knowledge that in turn plays a great role in driving productivity and economic prosperity (Government of Kenya, 2013, p.21). One of such ICT tools is the mobile phones which continue to offer a myriad of opportunities, specifically on the financial sphere. To leverage on the above, the Government bets on the increase in communication to spur economic growth in tandem with the vision 2030 blueprint. As Watts, 2001 observes, ‘’some clients may prefer to access services at a distance. Increasingly, in all fields, consumers want a service to be available when they identify a need for it, with minimum delay and minimum effort: they want it here, and they want it now’’ (p6). The urge to access services with urgency and at a minimum cost is making more people gravitate towards technologically based products that are available through the mobile phone. The use of this gadget has simplified life and as such transactions can comfortably be initiated and terminated at one’s convenience. Further, it is notable that the settlement of these transactions is instant. ICT increase efficiency, productivity, and access to goods, services, information, and markets. Demand for these benefits is high. If the right compliments- such as power, connectivity, content, skills and support systems, functional markets and supportive policy frameworks- can be put in place, demand for ICT will be correspondingly high (William J. Kramer, Beth Jenkins, Robert s. Katz, 2007, p.9). With Kangundo being a rural area, we shall then be interested in knowing how the use of mobile phone has impacted on its residents, and whether they have taken full advantage of this revolutionary tool that continue to transform lives across the globe. Mobile phones have characterized the everyday life of Kenyans. Cheap Chinese phones have found their way in the market and this has eased the affordability of this ICT tool. Mobile ownership at the household level is almost as high as access. Approximately 75% of the households have at least a member who owns a mobile phone. In rural areas, ownership is 67% while in urban areas ownership reaches 90% (CCK, 2011, p.13). It is essential for banks to sensitize on mobile banking and ensure that customers maximize its use bearing in mind the capital invested (Korir, 2012, p.43). Information is power and banks have a role to play if they are to penetrate and crack open the mobile banking market. Banks will rely much on studies to inform their decisions on the best way to tap in to this market. The government has indeed been on the forefront by championing for ease of access of banking services to all citizens. Branchless banking through retail agents is made possible through the information and communication technologies that customers, retail agents and mobile network operators use to record and communicate transaction details quickly, reliably and cheaply over great distances. Among the first mobile network operators in the world to offer branchless banking were Globe Telecom and SMART in the Philippines. They launched their SmartMoney service in 2000 (in conjunction with Banco de Oro) followed by the G-Cash1 service in 2000. Customers can store cash, send funds from person to person, pay bills, make loan repayments and purchase goods at shops. They primarily use G-cash to buy airtime and to send money to friends and family (Financial Sector Deepening, 2009a, p1) Mobile banking represents a more cost efficient channel for the banks, allowing them to charge less for transactions, and permitting the consumer to have immediate access to information related to their bank accounts.P.3. Worldwide, more people now own a mobile phone than a bank account. A revolution in mobile phone payments is taking place. The way mobile devices are evolving makes it difficult for banks to find the right solution to manage complex technologies and provide a consistent service to customers. http://www.cr2.com/solutions/mobile-banking/mobile-banking-solution.html Alliance for financial inclusion. A High Level Conference on Kenya’s Economic Successes, Prospects and Challenges Making Inclusive Growth a Reality September 2013 Central Bank of Kenya’s enabling regulatory approach allows 23 million people (74% of adult population) to use mobile financial services via 90,000 agents. Pg 20 References Alliance for Financial Inclusion. 2013. A High Level Conference on Kenya’s Economic Successes, Prospects and Challenges Making Inclusive Growth a Reality. Retrieved on February 22, 2014 from Delloitte. (2012). Banking the Unbanked: Prepaid Cards, Mobile payments, and Global opportunities in Mobile Banking. Retrieved February 22, 2014, from https://www.deloitte.com/assets/DcomunitedStates/Local%20Assets /Documents /FSI/US_FSI_Bankingtheunbanked_043012.pdf

Are You Getting Employee Benefits? Essay

Are your employee benefits giving you the payback you deserve in increased employee appreciation and satisfaction? Chances are, your employee benefits are not. On average, organizations spend 41 cents for employee benefits for every dollar of payroll. That’s 29% of the total employee compensation package. Research reported in the journal, Personnel Psychology, suggests that employees only understand and appreciate between 31 and 68% of the cost or market value of the employee benefits they receive. In fact, the most recent data indicates that employers are spending 43% of total pay on types of employee benefits. Employees undervalue their comprehensive set of employee benefits for many reasons including: employers communicate the value of employee benefits poorly, the employees have little or no choice in employee benefits packages or options, and the employees misunderstand the market value of their employee benefits. Maximize the Value of Employee Benefits Expenditures Employers can overcome these factors by allowing employees to make choices about the types of employee benefits and by providing lots of information. You can jump start the education process by providing paycheck inserts that detail your cost for each employee benefit. Other ways to get employees to think about the value of their employee benefits include interactive computer quizzes, employee benefits fairs, telephone hot lines, workplace posters and video tapes or television discussing employee benefits. Firms that wish to maximize the value of their employee benefits expenditures need to survey their employees to ask them the types of employee benefits that they value and how much they value each type. Employee benefits surveys or focus groups are important first steps in understanding employee preferences for types of benefits. Relevant questions about the desired types of employee benefits might include the following. What types of employee benefits are most important to you? If you could choose one new type of employee benefit, what would it be? If you were given X dollars for employee benefits, how would you spend them? Follow-up research about the cost of employee benefits that employees desire can help you determine which programs will provide the most à ¢Ã¢â€š ¬Ã…“bang for the buck.à ¢Ã¢â€š ¬Ã‚  On the basis of the data developed, you can adapt your employee benefits offerings or provide choices about types of employee benefits that are consistent with organizational objectives such as employee retention or performance. Consider Types of Employee Benefits The variety of employee benefits offered today is immense. Some employee benefits, such as health insurance and retirement benefits, are almost institutionalized or expected in the United States. However, other employee benefits are not – and these are the types of employee benefits that set companies apart. Organizational values are often manifest in the types of employee benefits organizations offer. Thus, the employee benefits help to establish an organization’s positive reputation as an employer of choice in the marketplace. So, isn’t it about time to reconsider the employee benefits package that your company offers? Following is a long list of the types of employee benefits that are offered across hundreds of U.S. firms. The cost of these employee benefits varies, as do employee and employer perceptions about the value the employee benefits deliver. The key for organizations looking for a competitive edge, through the types of employee benefits, they offer, is to determine what employee benefits you can provide that are most valued and useful to your employees. Hopefully, these employee benefits will approach a 1:1 cost to perceived benefit ratio. Types of Employee Benefits Following are samples of the employee benefits that are offered across many organizations. Use this list of employee benefits to think creatively about your current employee benefits package. Are your employee benefits giving you the competitive edge in attracting and keeping the best employees? Are your employee benefits helping you to create a workplace in which employees are motivated, happy and productive? If not, use this list to determine the types of employee benefits that you may want to consider providing. You’re in competition with the best employers for the best employees. These types of benefits will attract and retain your best talent.

Narrative Essay Samples - Is it a Scam?

Narrative Essay Samples - Is it a Scam? All About Narrative Essay Samples A great ending is when it's linked to the very first portion of the start of the story, and it ought to be correlated to the whole sections of the story. Even though you may make a normal story sound spectacular using the correct words and the appropriate technique, more than often the topic receives the credit for a valuable object of work. The story ought to be well-detailed and organized to spell out the entire story and connect different elements of it. The exact same thing goes with writing. Stories about traveling have an outstanding potential. Details have to be carefully selected to support, explain, and boost the story. Possessing a crystal clear and structured plan is the foundation for any superior bit of writing, and a college essay is not any different. To offer you a remedy on the best way to compose an impressive college essay, here are a couple of hints you may wish to consider. Such approach always pays off because it offers you an exceptional insight into the practice of essay writing that is directed at achieving excellent outcomes. The alternative was supposed to go back down. The subject of the narrative essay usually indicates the writer's experience and there's no need to use any data from the outside sources. You will need the follow these steps for writing lots of practice essays and you'll understand that your thought method is really developing in the exact same direction. The tricky thing about the narrative essay is there are always some limits to the sum of content it's possible to give your readers with. Now you can purchase genuine college essay online, one that is going to fit your financial plan and get your work done also. The bulk of the essay utilizes standard English and English grammar. Essays are available in many forms. A narrative essay is thought to be among the most popular forms of tasks that students get all too often. Writing a college essay can arrive in various forms and styles based on your taste. Thus, let's take a peek at how to begin a narrative essay. If you are searching for one, below is a list of topic that may assist you in your narrative essay. Who knew essay writing may be so tough. It is crucial to structure an essay in various sections so that it isn't hard for the readers to read and adhere to the author's thoughts clearly. It's tricky to pick just a single topic whenever there are so many you could write about. In standard essay writing, however, it's especially crucial that you use specific examples to illustrate your primary points. Possessing good essay examples provides the reader an in-depth and on-the-court idea about what a well structured and coherent essay appears like. When it has to do with narrative essay topics, there are a number of things you have to take into consideration. There are quite a lot of kinds of essays you might be assigned to finish. The main matter to be mindful about in personal descriptive essay is that there shouldn't be any over-exaggeration. It's better to write and share your individual stories with different individuals. Therefore, the focus isn't merely descriptive. The matter of bullying still abounded. If you are experiencing a hard time understanding how to compose a personal narrative essay, you ought not feel as a failure you've got good business. The Nuiances of Narrative Essay Samples Choose an event in which you believe you've acted exemplary and made an adult option. Templates like Descriptive Essay about Office can be helpful for someone who's planning to s top by an office. Let's aim for approximately ten paragraphs. With a profound sample, you'll be more mindful of what topic is more inclined to connect with your readers and what's going to miss the target. Try to remember that a high degree of detailing is a feature of all decent narrative essay examples. A brief sentence is utilized to make the emotional resolution of the admission essay. Try to remember that even though narrative essays seem a very simple endeavor, it remains an assignment that should be ready on time. Reviewing some narrative essay examples will be able to help you to organize your information and help you decide how to compose each paragraph to acquire the best outcomes. Sometimes, however, a narrative isn't about such primary topics. It is very personal, so you should underline the significance of the ongoing events for your identity.