Ponce De Leon And The Early ExplorationOf Florida Essays

Ponce De Leon And The Early ExplorationOf Florida Essays Ponce de Leon and the Early Explorationof Florida Juan Ponce de Leon was born in 1460, in Tierra de Campos Paleia, in Leon, Spain (Ponce, 1996). He came from a noble family and entered the royal household as a page for Pedro Nunez de Guzman, at the Court of Aragon. Later, young Ponce de Leon would become a solider for Spain and fight in the battles to drive the Moors from Granada (Blassingame, 1991). In 1493, Leon sailed with Christopher Columbus on his second voyage to America (Ponce, 1996). He was a member of the forces that enslaved the Indians in Hispaniola.This was the European and Spanish way. Few explores would look upon the natives they encountered as anything more than talking animals. For the year of 1502 he was a captain under the governor of Hispaniola, Nicolas de Ovando (Thompson, 1990). During his time as captain he would suppress an Indian uprising. For this he was rewarded with the governorship of Higuey (Blassingame, 1991). Ponce de Leon would remain in Hispaniola until 1503. In this year he would be intrigued by the tales of gold to be found in Borinquen, known as the modern Puerto Rico (Ponce, 1994). He sailed to explore and settle the island. He landed on August 12, 1508 and soon conquered the island and was granted governorship of the island. There he carved himself a large estate, where he built a castle (Thompson, 1990). Ovanado was soon replaced with Diego Columbus, as governor of Hispaniola. And Columbus placed Juna Ceron as the new governor of Puerto Rico. For two years Leon fought to keep his governorship, but he was removed from the position. He was advised by King Ferdinand to find new land (Thompson 1990). The Indians of Hispaniola worked as slaves for the Europeans. They would tell great stories of a place called Bimini. It was a land filled with great riches. Ponce de Leon heard a different story from an old Indian woman. She added an interesting twist to her story. In her tale she told him of a magic fountain that turned middle aged and old persons in to young vibrant men and women. If the riches did not attract Ponce de Leon, the story of this fountain did. He was in his fifties and since his political career had failed, he figured, it was as good a time as any to explore the land (1990). Ponce de Leon left San German, Puerto Rico on March 3, 1513 and sailed with a fleet of three ships heading northwest toward Bimini. The chain of seven hundred Bahama islands was on his route but time would not allow him to explore each of them. He did visit the island of San Salvador where Columbus made his first landfall two decades before. The crew sighted the coast of America on March 3, 1513. This was Easter Sunday so he named the land Florida after the Spanish name for Easter, Pascua de Flores (Ponce, 1993). The first sighting took place near present day St. Augustine, which was to be founded fifty-two years later (1990). Six days after they sighted land they found a safe place to dock their ships. The royal banner of Spain was then flown over the new land. They expected the same lack of resistance as they had experienced when they came ashore at Hispaniola, but they were in for a surprise. The natives were fierce fighters and less enthusiastic of the appearance of these strange white men. Although their bow and arrows were not of significance to the Spaniards, but the poisoned arrows they used were. Ponce de Leon only went upon land when it was absolutely necessary. He never had the chance to explore the land for himself (1990). Ponce de Leon felt it was best to find a safer harbor. The fleet sailed south to the modern-day Cape Canaveral. The ships were caught in the strong current of the Gulf Stream which forced them to struggle for weeks along the Florida Keys. Ponce de Leon finally decided to turn around and head home. He was so overwhelmed with his discovery that he sailed directly to Spain (Ponce 1994). Ponce de Leon figured that this

Save money for the weekend. Perfect strategies

Save money for the weekend. Perfect strategies 5 simple ways to save money on a night out We know that staying up late is a necessary part of student life, but we do not blame you. Having analyzed the perfect party strategy for both undergraduates and seniors, we’ve found out there are ways you can save money and still be able to socialize with friends when Friday comes. Stock up on carbs. If buying expensive food, filled with carbs, is your guilty pleasure, try stocking up on kebabs and burgers beforehand. That hot dog may seem like a good idea once you are at a party, but you do not know the real price of a thing, or whether you really need it at this very moment. You may also want to have a snack right before the party, so you don’t gobble up food once you are there. It is highly inadvisable to sip on your drinks on an empty stomach, as it may cause indigestion later, when you are coming home with your friends and college mates from uni. Prepare food ahead of time. You may want to eat a horse right after you come back from a party, so we recommend a few slices of pizza to be bought beforehand, so you won’t have to wake up your dorm to the sound of fire alarm! Nobody wants to become the guy who is setting the place on fire because he is too tired to make the dinner properly. In case you know you are going to be hungry upon return, stock up on pre-prepared foods the night before. Turn up early. Students don’t have an opportunity to pay high entry fees, so it would be a good move to come to the club when there is no one around. We know it sounds ridiculous to hit the place with only a couple of dudes at the bar, but believe us, you would be really thankful when it’s finally midnight and you have the privilege of paying a reduced price for your entry ticket. Besides, you can always tell your friends it was you who started all the action on the dance floor! Act like a celebrity. If you don’t want to pay for your entry ticket, try to interact with the party headliners and butter them with the promises of a packed dance floor and your crazy friends bringing cash into their pockets. They are usually very careful about maintaining a perfect reputation, so they will definitely sort you out among other students and provide your group with a VIP card to make the evening more pleasurable. There might be some kind of face control at the entrance of the club, so distinguishing a familiar face or two won’t hurt. Set a budget. Though we may have different incomes and side jobs, setting a party budget will help you control the costs and come home early if you hit your credit card maximum. Now, they have prepaid options and mobile applications that allow you to monitor your money waste. Once you reach a certain limit and can spend no more, the program sends a direct message to your phone and you now it’s time to get going. We may sound like helicopter parents now, but checking on your credit card from time to time can save you money and help pay off your student loan in the future. When you are in the center of social life at the university and feel like the heart and soul of the company, it may be hard to observe, but you will certainly thank yourself later, when it’s time to cover the costs and make an annual payment.

Current Public Heath Issues Essay Example | Topics and Well Written Essays - 1000 words

Current Public Heath Issues - Essay Example This disease in a healthy, productive work force of the country is a major problem for the government, as it has to spend increasing amounts of funds on their treatment and care, while earning hands have decreased. For the past four decades, there was an encouraging decline in the spread and attack of CVD (Heart Disease May Be On The Upswing 2008), which led to the hope that there was finally a check on it, and still a chance for recovery from this problem. However, this hopeful trend lasted just till 1995 (Heart Disease May Be On The Upswing 2008). ... Discussion: in this study carried out on 425 people in Minnesota, US, who had died of unnatural causes, researchers found shocking evidence that CVD is on the rise again, and this time it is affecting a lot of young population as well. This study was published in the Archives of Internal Medicine (Heart Disease Might Be On The Upswing 2008) in early February 2008, and explored the trends and the causes behind this upsurge. The age group of the cases under study ranged from 16 to 64. What was surprising was that out of the younger cases, 8.2% had high-grade heart disease, and 83 percent had clogged arteries, marking a beginning of coronary artery disease, which puts them at a risk of developing major heart problems as they age (Heart Disease May Be On The Upswing 2008). Researchers are yet trying to establish firm causes of this upswing of CVD, especially among the younger population. They are especially not sure how and to what extent do obesity and diabetes play a role in increasing the occurrence of CVD among young people. However, they have confirmed that recent trends and changes in the lifestyles of the people are the major causes of this rise. There has been an increase in the sedentary lifestyle of people, owing to the introduction and the spread of computers, which has led to a decline in their physical exercise (Heart Disease May Be On The Upswing 2008), and computer related activities like playing games and working solely on computers, such as typing jobs. Another study

The French Revolution Essay Example | Topics and Well Written Essays - 750 words

The French Revolution - Essay Example But more interestingly, it was a rebellion against the conventional ideas and the established philosophy, with even religious discord and a struggle for supremacy (Smitha). This paper purports to discuss the main aspects of the revolution, both in terms of its reasons, and its effects. Let us consider the economic and political reasons first. France was emerging as the second world power after Britain, and there was a relentless struggle for world domination (Smitha). The French had colonies and their economic status was improving. However, their population was increasing side by side, and at a much rapid pace. Moreover, the colonies in the New World were getting independent and forming the United States of America, so the trade and commerce was divided, with Britain taking the lead (Smitha). The population of France had increased by five or six million in a span of roughly fifty years, whereas the food production was still slow and rudimentary, unsuitable to provide for the increase in the people to be fed (Smitha). In the 1780s, Paris alone had a population of 650,000 (Smitha). However, around eighty percent of the crop production around Paris was done for personal consumption by the farmers, and only around twenty percent was available in the market (Smitha). This meant that any loss in the yield, which happened frequently due to poor methods of farming and feudal system, made the common man go hungry (Smitha). This was worsened by the fact that the French economy was by large an agricultural economy, so there was no other major source of income for the government (Smitha). The government had not provided any means of storage or relief in times of need, and so the prices of bread, the staple food of the French, rose as the availability declined (Smitha). Moreover, the textile industry, which was till then a leading industry, was overtaken by the British who provided cheaper and better quality cloth to the French, thereby decreasing French export and increasi ng their import (Smitha). These, and many other economic and political factors led to a great divide between the ruling class and the common man. In 1788, there was a terrible hailstorm, which led to the worst crop yield in forty years, giving way to a most severe winter season (Smitha). Most of the people were jobless. A riot broke out (Smitha), which soon formed the shape of the revolution that went in history as the French Revolution. The intellectual and philosophical reasons behind the revolution were as important as the economic and political motives. There were two distinct groups of thinkers and socialites, the conservatives and the radicals (Cody). It is interesting to note that this intellectual revolution, for the most part, originated elsewhere outside of France, mostly in Britain, but it effected the French in the most potent manner, who rose to rebel against the established regime (Cody). There rebellion, in turn, effected the British and the rest of Europe in a profou nd way. The conservatives sided with Newton and Locke, and believed in reason, whereas, the radicals included Blake, Godwin, and Paine, among others (Cody). The French were then more influenced by the radicals who promised equality, brotherhood, and freedom (Cody). This strife led to prolonged debates on the subject of humanity and liberty between the radicals and conservatives for years (Cody). The French Revolution, however, ended in a â€Å"reign of terror† (Cody). The radicals, who had been greatly praised and supported by their British counterparts, lost control and went too far in their struggle to end any traces of the former regime (Cody). They assured that by slaughtering anyone who had any

Cisco Systems, Inc Essay Example for Free

Cisco Systems, Inc Essay Cisco Systems, Inc. is an American-based multinational corporation that designs and sells consumer electronics, networking and communications technology and services. Headquartered in San Jose, California, Cisco has more than 65,000 employees and annual revenue of US$40. 0 billion as of 2010. The stock was added to the Dow Jones Industrial Average on June 8, 2009, and is also included in the SP 500 Index the Russell 1000 Index, NASDAQ100 Index and the Russell 1000 Growth Stock Index. [4] Cisco is one of the worlds biggest technology corporations. Corporate history One of the many buildings on the Cisco Systems campus in San Jose Len Bosack and Sandy Lerner, a married couple who worked as computer operations staff members at Stanford University, later joined by Richard Troiano, founded Cisco Systems in 1984. Lerner moved on to direct computer services at Schlumberger, moving full time to Cisco in 1987. The name Cisco was derived from the city name, San Francisco, which is why the companys engineers insisted on using the lower case cisco in the early days. For Ciscos first product, Bosack adapted multiple-protocol router software originally written some years before by William Yeager, another Stanford employee who later joined Sun Microsystems. The companys first CEO was Bill Graves, who held the position from 1987 to 1988. [5] In 1988, John Morgridge was appointed CEO, and succeeded in 1995 by John Chambers. While Cisco was not the first company to develop and sell a router,[6] it was one of the first to sell commercially successful routers supporting multiple network protocols. [7] As the Internet Protocol (IP) became widely adopted, the importance of multi-protocol routing declined. Today, Ciscos largest routers are primarily used to deliver IP packets. In 1990, the company was listed on the Nasdaq stock exchange. Lerner was fired; as a result Bosack quit after receiving $200 million. Most of those profits were given to charities and the two later divorced. Cisco acquired a variety of companies to bring in products and talent into the company. Several acquisitions, such as Stratacom, were the biggest deals in the industry when they occurred. During the Internet boom in 1999, the company acquired Cerent Corporation, a start-up company located in Petaluma, California, for about US$7 billion. It was the most expensive acquisition made by Cisco to date, and only the acquisition of Scientific-Atlanta has been larger. Several acquired companies have grown into $1Bn+ business units for Cisco, including LAN switching, Enterprise Voice over Internet Protocol (VOIP), and home networking. Cisco acquired Linksys in 2003. In late March 2000, at the height of the dot-com boom, Cisco was the most valuable company in the world, with a market capitalization of more than US$500 billion. [8][9] In July 2009, with a market cap of about US$108. 3 billion,[10] it is still one of the most valuable companies. [11] The company was a 2002-03 recipient of the Ron Brown Award,[citation needed] a U. S. presidential honor to recognize companies for the exemplary quality of their relationships with employees and communities. In 2010, Cisco bought Starent Networks, a mobile technology company and Moto Development Group, a product design consulting firm that helped develop Ciscos Flip video camera. [12] The Company has built its Globalization Centre East in Bangalore for $1 billion and 20% of Ciscos leaders will be based there.

Violence :: essays research papers

Violence General Purpose: To persuade Specific Purpose: To persuade my audience that violence is on the increase. Central Idea: Violence should be viewed as a social problem for everyone in our society. Introduction I.  Ã‚  Ã‚  Ã‚  Ã‚  Violence has increased in our schools. Within the last four years, thirty or more teachers and students have been killed. II.  Ã‚  Ã‚  Ã‚  Ã‚  On April 20, 1999, Eric Harris (18) and Dylan Klebold (17) killed one teacher and twelve students and wounded twenty- three other individuals. Thomas Solomon (15) wounded six students in his high school. On March 24, 1998 Andrew Holden (11) and Mitchell Hogson (13) killed a total of five people and wounded ten in Westside Middle School. This information is all from Time Magazine’s May 31, 1999’s issue. There are many problems that cause violence. Drugs, gangs, guns, and television programs are all problems the students have that are linked to violence. Transition: lets us now view the problems with drugs. Body I.  Ã‚  Ã‚  Ã‚  Ã‚  Substance abuse has been a probable cause of violence. A.  Ã‚  Ã‚  Ã‚  Ã‚  Drug related incidents have increased in schools causing students to act violently toward each other. 1.  Ã‚  Ã‚  Ã‚  Ã‚  Students are competing with each other trying to make more money by selling drugs. 2.  Ã‚  Ã‚  Ã‚  Ã‚  If someone takes away someone’s customer, dealers will tend to fight against each other. B.  Ã‚  Ã‚  Ã‚  Ã‚  Students are also coming to school under the influence. Five percent of students in school attend counseling because they were caught under the influence during school hours. Transition: gangs also affect our students II.  Ã‚  Ã‚  Ã‚  Ã‚  Membership in a gang causes violence. A.  Ã‚  Ã‚  Ã‚  Ã‚  Today, gangs exist in large urban and small suburban, public and private schools. B.  Ã‚  Ã‚  Ã‚  Ã‚  Gangs encourage and reward violent acts. C.  Ã‚  Ã‚  Ã‚  Ã‚  Gangs are powerful and violence occurs over issues of status, reputation, and turf. They also offer guns to their members. Kids have access to hand guns in school, streets, and in their parents homes. Transition: television programs also cause violence. III.  Ã‚  Ã‚  Ã‚  Ã‚  All children see violent acts committed on television programs, films, rock videos, news broadcasts, and cartoons. A.  Ã‚  Ã‚  Ã‚  Ã‚  Many children imitate the violent they see on television. B.  Ã‚  Ã‚  Ã‚  Ã‚  A child who watches â€Å"The Power Rangers† will act violently since the characters are always fighting. C.  Ã‚  Ã‚  Ã‚  Ã‚  On the other hand, a child who watches â€Å"Barney and Friends† will not act violently since there is no fighting involved in the cartoon. D.  Ã‚  Ã‚  Ã‚  Ã‚  Children that view characters on television using violence acts to solve problems will use similar violent acts to solve their problems. Transition: in conclusion Conclusion I.  Ã‚  Ã‚  Ã‚  Ã‚  Violence is viewed as a social problem for the law enforcement and court system. It should also be viewed as a social problem for teacher, parents, principals, counselors, coaches, and everyone else in our society.

Reaction paper about rice problems Essay

The discussion about rice, nutrition and food security, and AEC 2015 held on the 9th of October in the NCAS Auditorium was discussed by V. Bruce J. Tolentino, Ph.D. – the deputy director-general of International Rice Research Institute (IRRI). He started the discussion by comparing Philippines to Vietnam and Thailand by their birth rate. Apparently, the Philippines is better in producing babies than rice and that actually means that we have more mouths to feed. This may partially explain the question, why can’t the Philippines achieve self-sufficiency? As said by the speaker, â€Å"Rice is still a normal good in the Philippines†, which means that as your profit grows, so does your consumption of rice. In addition, he also said that the poorer the country, the more they eat or like rice. We also need to take it in mind that there are other plant crops other than rice that should be harvested. The Philippines is 1/3 rice, 1/3 corn, and 1/3 coconut as said by the speaker. Most of the rice that we get or buy comes from Central Luzon, and based on statistics we have around 2.4 million Filipino farmers and the average farm size is 1.14 hectares. Meanwhile, compared to other countries such as China, Japan, and Indonesia we have really low expenses that go to Agriculture which include the irrigation systems and other farm equipments. This shows that we haven’t prioritized Agriculture yet. Japan has the most yields compared to other countries since they invest in irrigation systems and the like. It also showed that Japan has the most use of fertilizers but their yield is very high, so we may say that fertilizers can help in yield growth although the data in the table is from year 1970-2009 only.

Gufax Mf Bank Profile

GUFAX MF BANK www. gufaxmfbank. com COMPANY PROFILE GUFAX MICROFINANCE BANK LTD OUR VISION To be the leader in Microfinance Banking Services in Nigeria. OUR MISSION To reduce poverty and build smiles on the faces of our esteemed customers by transforming them into economically active population with full access and integration into the formal financial system. INTRODUCTION Gufax Microfinance bank Ltd. s licensed for operation in Akwa Ibom State by the Central Bank of Nigeria for the provision and administration of microfinance services, loans, advisory services, poverty alleviation programme-partners with Government or its agencies as well as other financial services. It was incorporated on 04 April, 2008 with the Corporate Affairs Commission and Licensed by CBN in September 2008. The Bank has an Authorised Share capital of N250million out of which the paid up is N120million and total asset base of over N500million, approximately $3. 2Million as at December 31st, 2011.We also have to tal employee/staff strength of seventy one (71); and our present customer base is approaching twenty thousand individuals and groups comprising mainly the market women, cooperative groups, transport unions and other small and medium business operators within the state and a percentage of government employees. OUR ADDRESS Corporate Head of is at FADUK HOUSE, No. 3 Udotung Ubo Street, Uyo, Akwa Ibom State. Presently, the bank has seven meeting points within Akwa Ibom State as follows: Akpan Andem Entrepreneurial Market Uyo in Uyo Local Government. Nung Udoe Ibesikpo,in Ibesikpo Asutan Local Government.Ikot Ekpene in Ikot Ekpene Local Government. Oku Iboku in Itu Local Government. Ishiet Uruan Beach Market in Uruan Local Government. Ibaka Beach Meeting Point, Mbo Local Government Area. Onna Meeting Point, Ikot Abasi Road, Abat. It is part of the strategic expansion plan of the bank to open a minimum of one meeting point every quarter. THE BOARD OF DIRECTORS The bank has a board members hip of 4 distinguished persons as shown below: Engr Nsikanabasi Ibanga – Chairman Engr. Ibanga Engr. Nsikanabasi Ibanga is the Chairman of the Board of Directors of Gufax Microfinance Bank Ltd. He is an experienced Civil Engineer.Engr. Ibanga served as an Executive Engineer with ENPLAN Group of Consulting Engineers Nigeria Ltd, EBASCO Consulting Engineers and Zeal Nigeria Limited for over 10years. He has been involved in many private and public building designs over the years and is still very active in current practice. He is a member, Nigeria Society of Engineers (MNSE) and also a registered member of the Council for Regulation of Engineering (COREN). He has attended Engineering Management Workshop and other courses within and outside the country. His experience has been brought to bear in his leadership of the Bank.Mr. Uduak Effiong Udo – Managing Director/CEO * MD/CEO Mr. Uduak Udo is the Managing Director/Chief Executive Officer of Gufax Microfinance Bank Ltd. He is a seasoned Banker with over Ten (10) years of experience in Retail, Consumer and Public Sector Banking. Uduak had stints with Citizens International Bank Limited (now Enterprise Bank Ltd) from where he left for Zenith Bank Plc. He grew to a management position in Zenith Bank and subsequently left and co-found a group of financial service companies which Gufax Microfinance bank Ltd is one of them.He holds an MBA Degree in Business Administration from University of Calabar. He is a fellow of Portfolio and Debt Management Institute (PDMI), a member of the Risk Management Association of Nigeria (RIMAN), and a member of Institute of Strategic Management (ISMN) and also a member of chartered institute of Bankers of Nigeria. He is also an Alumnus of World Prestigious Harvard Business School, Boston, Massachusetts, USA, where he has been exposed to world class management Education and Entrepreneurship. A serious minded and successful entrepreneur, Uduak has interest in Finance and Invest ment.He has attended courses within and outside the country. The experience of the MD/CEO is a springboard for successful service delivery to our clients. Engr Bassey A. Iton – Director QUALIFICATIONS: M. Sc Petrochemical Engineering, Moscow Institute of Petrochemical and Gas Industries, Moscow, (1977). Member Nigerian Institute of Chemical Engineers. Member Nigerian Society of Engineers. Associate Member AIChE (1978). General Manager, Process Engineering; NNPC H/Q. Abuja. Working experience covers the underlisted areas and companies:Federal Superphosphate Fertiliser Company Ltd. (FSFC), Kaduna†¦August 1977 – June 1978 Warri Refining and Petrochemical Company Ltd. (WRPC), Ekpan-Warri†¦October 1978 – January 1980 Kaduna Refining and Petrochemical Company Ltd. (KRPC), Kaduna†¦January 1980 – December 1990 National Engineering and Technical Company Ltd. (NETCO), Lagos†¦January 1991 – January 2006 NNPC Investment, Engineering & Techn ical Divisions. Abuja†¦February 2007 – November 2009 Top Manaagement Duties in NNPC Headquarters Abuja. General Manager Upstream Investment in Commercial and Investment Directorate. .General Manager Process Engineering in Technology Directorate. Project Engineering and Management Services: National Engineering and Technical Company. January 1991 to December 2006. Managed underlisted projects: Strategic Management Training for world class managers. (June 2008) Mini –MBA for Oil & Gas in Houston TEXAS October 2009 Engr Iton is amiable & hardworking and is a very discipline Board member of Gufax MFB Mr Mbobo E. Mbobo (ACA) – Director * Mr Mbobo Mr. Mbobo Mbobo is a Director of Gufax Microfinance Bank Ltd. He is a seasoned Accountant. Mbobo has worked as an Accountant with A.C. T Nigeria Ltd, Lagos for 3years before moving on to Federal Mortgage Bank where he worked as a State Accountant for 10years and then another 3years as an Audit Manager with Eddy Ette & C o (Chartered Accountants). He is presently working with the University of Uyo as a part time Lecturer and an Acting Director of Finance with Akwa Ibom State University of Technology. He holds an MBA Degree in Accounting and is working on getting his Ph. D. He is an Associate of Institute of Chartered Accountants of Nigeria (ICAN), an Associate, Chartered Institute of Taxation of Nigeria (ACTI).He has attended courses within and outside the country. He has served as a Resource person at Seminars and Workshops. The experience of this Director is a great boosts to our service to customers. CORRESPONDENCE BANKS First Bank of Nigeria Plc Access Bank Plc EcoBank International Plc Diamond Bank Plc United Bank for Africa Plc Zenith Bank Plc Skye Bank Ltd OUR PRODUCTS AND SERVICES: CURRENT ACCOUNT: Gufax MFB offers current account services. The account is necessary as most other cash management services are provided through the current account.VOLUNTARY SAVINGS ACCOUNTS: We provide a number of savings products. These include 1. Regular savings accounts: This is the regular savings account operated for a customer for his personal reason. 2. Gufax Heritage Account: This account is for Children under the age of 18years. Benefits include scholarships. 3. Gufax Daily Contribution: This is for traders who are desirous of saving a pre-agreed amount daily till month end. 4. Gufax Acquired Account: This account is for persons who have specific targeted items to acquire at a specific time 5. Gufax Festivity Account:This account is for savings for festivity such as Christmas, Easter, Salah, Marriages etc 6. Gufax Real Life Savings Scheme: This is an open ended Asset acquisition scheme for civil servants. Regardless of what you want the Bank buys it for you and your salary is deducted for repayment over a period not exceeding one year after you would have saved 50% of the total cost of the asset. COMPULSORY SAVINGS ACCOUNT 1. GROUP COMPULSORY SAVINGS : All group members benefiting from Gufax Group Loan operates a compulsory savings account expected to assist them to build wealth and instil a saving culture in them. . TRICYCLE SAVINGS ACCOUNT: All beneficiaries of the Gufax Tricycle Transport Scheme are made to do a weekly compulsory savings for themselves as part of the condition for being a beneficiary of the scheme. SPECIALISED CREDIT PRODUCTS Gufax Tricycle Scheme: This product is targeted at the former Motorcycle riders in the city of Uyo whose business has been band by the government and replaced with taxi and tricycles. It requires the beneficiary to save 25% of the product cost and the bank will acquire such for the person with a tenor of 8months. Gufax Reallife Scheme:This is targeted at low and medium income government and private sector employees. It is meant to make life meaningful to this class of people by making them have easy access to any asset that will add value to their lives and pay from their salary for a tenor not exceeding 18months. Gu fax Quick Loan: this product is a temporary overdraft facility granted to traders which must be liquidated at the close of work on the last work day of every month. It is targeted at traders who makes daily repayments and with clear potentials to liquidate on or before end of month. FIXED DEPOSIT ACCOUNT:GUFAX MFB has a unique fixed deposit regime that encourages growth in asset and accumulation of wealth with minimal risk. The rates are competitive and attractive but within the Financial and Fiscal Policy Framework of the Central Bank of Nigeria. From as low as a Hundred Thousand, You can own a fixed deposit account with Gufax. SALARY ACCOUNT: Salary account can be opened for employees of companies/organization at no cost. You only need to send us a letter indicating the names of those that need the account and the rest is for us to do. CO-OPERATIVE AND SMALL GROUP ACCOUNT:This account is opened for formal and informal groups and organizations who are engaged in small and medium bu sinesses targeted at poverty alleviation and wealth creation. CREDIT-RELATED SERVICES: The credit-related services of our bank include: 1. Advances and Overdraft 2. Group & Individual Loans 3. Short term facility against staff salaries. 1. Projects development financing 2. Small scale business finance 3. Asset acquisition Financing 4. Property/Household equipment Lease. 5. Micro-insurance 6. Co-operative and Small Group (Formal & Non-formal) lending 7. Bridge Finance/LPO financingFINANCIAL ADVISORY SERVICES Gufax MFB also offers a wide range of financial advisory services on optimal financial structure involving a mix of equity/debt financing, investment risk management and strategic finance options. CORPORATE SOCIAL RESPONSIBILITIES GUFAX’s Faduk Care Trust This is the philanthropic organ of Gufax MFB and is saddled with the responsibility of making sure that the Bank gives back to the society. Amongst the programme so far handled by the department includes: 1. Scholarships Scheme totalling over a million naira to over 50 beneficiaries from different Educational institutions in Nigeria. . Library Project in Collaboration with ICAN, Uyo District and Society. 3. Sponsorships of programmes, seminars and workshops. 4. Gufax Help. Com Tansport scheme for the frustrated Okada Riders affected by Government band of their operation within Uyo Capital City. PREVIOUS STRATEGIC PARTNERSHIPS We have handled many micro credit programs amongst which are i. FADAMA III Programme in Akwa Ibom State still ongoing. ii. Shell Development micro credit for Uruan (LGA) Community iii. Akwa Ibom State Action Committee on Aids (SACA) in their ongoing micro credit programme. iv.Participating MFB for FGN/CBN/IFAD Rural Finance Institution Building Programme (RUFIN) for Akwa Ibom State. STRATERGIC BUSINESS PLAN FOR THE MANAGEMENT OF MICRO-CREDIT FOR THE RURAL ACTIVE POOR IN ONNA LGA. Our strategy of poverty alleviation partnership is a collaborative approach where the Local governm ent provides a counterpart fund and a guarantee for microcredit to be extended by the bank to the rural active poor within the Local Government Area; Pre-disbursement training, disbursement, monitoring, performance evaluation, recovery, refinancing planning, rendition of report, compulsory savings mobilisation are part of this partnership. Pre-disbursement Training: Each of the beneficiaries of our micro credit will be trained on the basic cash management technique to ensure that there is no diversion of these credits for other purposes. Small and medium enterprises will be duly examined to ensure the commitment of the promoters. We will organize trainings and workshops for the beneficiaries of the loans in line with their trades to help them keep simple books of accounts as well as exercise financial disciplines. These and other awareness seminars/workshops keep our beneficiaries on top performance. †¢ Selection/Disbursement:We engage the beneficiaries of loans/credits through a thorough and diligent selection /screening process. We disburse funds to groups (formal and informal) and organizations with proper co-ordinations and organization; skilled small and medium entrepreneurs as well as individuals with quality business plans for small and medium enterprises. †¢ Monitoring : We will monitor them through our well trained credit/field officers divided into teams and assigned to specific groups/communities and special products of the bank such as group fund management (Government and donor redit scheme funds). †¢ Recovery: Each group or individual is qualified for the loan with at least two guarantors which one of the following must sign: Village head of the beneficiaries/group; clan Head, Paramount ruler, councillors, House of Assembly member or any prominent member of the community with a net-worth over and above the loan amount. †¢ Repayment Plan: At the commencement of the programme, we shall draw up a repayment plan to enable them kno w the duration of the loan and the repayment period. Rendition of Report: We shall keep a chart (ledger) to monitor daily, weekly and monthly performances and shall constantly present monthly report on the performance of the scheme to the Board and Management for Assessment and Policy formulation. †¢ Our Charges: Our charges will be on commission basis which is negotiable or a subsidized interest rate. ORGANOGRAM: GUFAX MICROFINANCE BANK ORGANISATIONAL CHART [pic] MANAGEMENT STAFF PROFILE: Gufax Microfinance Bank stands out from among its peers because of our uniqueness and personalized services to customers.We parade a team of highly motivated and well trained staff, who will not rest until a customer is satisfied. MD/CEO – please see as in Director’s profiles Mgr-Business Development & Strategy(BDS) * Mr Ubong Udoh is an MBA student of ESUT, Holds B. Sc in Mathematics and Statistics from the University of Calabar, Cross River State, Nigeria. He is also a member of the Statistical Association of Nigeria, Member of the Chattered Institute of Bankers of Nigeria, He has working experience with reputable companies, such as Zenith Bank, Intercontinental Bank and the Central bank of Nigeria spanning over 10 years.He is a a Certified Microfinance Banker(MCIB) of CIBN. He is involve in many Humanitarian services including, Action Aid Int’l, Society Against Malaria, SACA, ACOMIN and the UNHCR. He is hardworking and goal oriented. He is friendly but disciplined. * CHIEF FINANCE OFFICER & HEAD OF AUDIT: As Head of Internal Control/Audit Department of Gufax (MF) Bank, Ubon Akpan has over 20 years experience in Banking, Accounting, Finance, Auditing and General Management traversing both Public and Private Sector Establishments.He started his career at Mercantile Bank Plc, where he rose to the post of a Supervisor. He later joined A. T. Asikpo & Co (Chartered Accountants) as Audit Supervisor, from where he moved to Frank & General Associates (A f irm of Financial & Management Consultants) as Finance & Admin Manager. Thereafter, he got an appointment at ACCESS Group of Schools as Head of Accounts/ Bursar for 2 years and later as Head of Audit for 3 years, before taking up another appointment as the General Manager of Grafen Enterprises Ltd – a Human Resources Management Company in the Oil Services sub sector.He also worked with Ekondo (MF) Bank, Calabar, as a Manager before he joined Gufax (MF) Bank. A Cost and Management Accountant (ACMA), he holds a Higher National Diploma (HND) in Accounting, a Post Graduate Diploma in Management (PGDM) and Masters in Business Administration (MBA) from the University of Calabar. * MANAGER,BANKING OPERATIONS: ADEYANJU LANSEBE is a graduate * MANAGER,BUSINESS DEVELOPMENT: This department is managed by Ugomma Udonsi who is a highy skilled banker with over 10 years of experience in the banking sector.She started her banking career with Mutual Alliance Savings & Loans Ltd where she worke d as Head, Branch Operations/Treasury. She holds HND in Estate Management from Federal Polytechnic Nekede, Owerri. CONCLUSION: At Gufax, we pride ourselves in focusing on the individual customer because we appreciate the fact that each customer is unique. GUFAX MFB is an engine room and hope for economic growth and development of the devastated lower class of our society.As our vision and mission clearly states, we are committed to the evolution of a society where every active poor can smile, please come along. UDUAK UDO MD/CEO www. gufaxmfbank. com ———————– MD/CEO Board of Directors COO/SA to the MD M Head, Banking Operations Head, Admin/ Human Resource Head, Audit /Compliance Head, IT Unit Legal Department Head, Business Development Credit & Marketing Executive / Debt Recovery HR/Admin Cashiers/Customer Service Officers/Funds Transfer Internal Audit Officers Internal Ctrl Officers IT Officers and Trainees Transports / Securit y

Information Systems in Healthcare Essay Example

Information Systems in Healthcare Essay Example Information Systems in Healthcare Essay Information Systems in Healthcare Essay This system is used to help all the professionals In the building whether It be the hospital, clinic, or outside of the hospital for example the visiting nurses and hospice. You will read about the Healthcare facility, ho exactly uses the information stored in the Epic system, whom that can access the medical health information, about the system, and read about a women who shared her opinions and also, her own personal experience with the Epicure EMMER System. Healthcare Facility The facility is the Aurora Health Care Hospital in Kenosha, Wisconsin its a not-for- profit organization which was formatted in 1984 and now has branched off into 15 hospitals, 185 clinics in 80 communities throughout Wisconsin and northern Illinois with over 30,000 employees. The Aurora hospital In Kenosha serves a city population of approximately 168,000. While there are two other hospitals in the city of Kenosha the Aurora Hospital has the only S. A. N. E. Program and sees about 100 patients a year. This S. A. N. E. Program works on an outpatient basis with a room that is within the emergency room area. The room Is made up with pale green painted walls a nice love seat and pictures on the wall and then an exam table on the other side in the corner. The idea is to try to make the patients as comfortable as possible. Most of the Aurora hospital is working toward Magnet status and to meet all COACH standards. Aurora Health Care-Kenosha has their Stroke Accreditation, Who uses this medical information? The portion of the Epic system that is access for the S. A. N. E. Program is very sensitive information and is therefore made so that only a very few can access this information. Medical records can be retrieved if the patients request it in writing and if its subpoenaed by the court or an attorney for a trial. Any S. A. N. E. May pull up the record to add something to her own charting or to review a chart that she has to testify in court on or for peer review by another S. A. N. E. Nurse. Admitting can only pull up the part of the EPIC chart that allows them to admit the patient and discharge hem in the system they are unable to see anything else to do with these types of patients. There is also a page in the EPIC record for billing that the billing people may pull up but like admitting they cannot open any other part of these EPIC records. The system is made with safe guards so only S. A. N. E. Nurses can open these records regularly. How is information access? All but a few consents are on the electronic EPIC system at Aurora for the S. A. N. E. Aerogram. Meanwhile the few paper consents that are still on paper are signed by the patient and then sent to medical records where they are scanned into the EPIC yester, so they can be seen along with all other records when needed. The electronic system of EPIC is on the desktop stations, handheld tablets, laptops, and on workstations on wheels (WOW). EPIC EPIC is a privately employee owned and held health care so ftware company founded in 1979 by Judith R. Faulkner. Originally, headquartered was in Madison, Wisconsin and then EPIC moved to nearby Verona, Wisconsin in 2005. EPICs market focus is the large health care organizations. EPIC offers an integrated suite of health care software databases. Their applications support functions are related to patient are, including registration and scheduling, clinical systems for doctors, nurses, emergency personnel, and other care providers in addition, systems for lab technicians, pharmacists, and radiologist and then billing systems for insurers. The Epicure EMMER is known for being fast and physician friendly, integrated access and revenue systems to simplify administration throughout the healthcare system. The one patient, one record approach improves care in the hospital, physician group and for the patient through access to their records via My Chart linking them to the same chart used by their doctor (Epic System Corporation, 2013). S. A. N. E. Exams until September of 2012 were all done on paper charts that took a great deal of time and work as they were about 16 to 18 pages long. In September 2012, Auro ras S. A. N. E. Program went live on EPIC with electronic charting and documentation for both records and anatomical drawings. Over half of the S. A. N. E. Nurses had never used electronic charting before and they all picked it up very fast with only a six hour class on how to use the system. The EPIC system is used to connect with the pharmacy to order medication so that they can pull them out and give them to the patients. They also connect to the lab so that they can order labs and x-rays as needed, and can connect with the admitting and billing departments so that all medical records are complete and patients are billed correctly for their support personnel with little problem to report (Order, 2013). EPIC has improved and made the exams run much smoother stated Donna Lee Order URN BBS SANE-A SANE-P program coordinator for Aurora Health Care- Kenosha. Donna felt that it had cut their exam times by an hour and a halloo two hours due to the fact that they didnt have to write out all of their paperwork. It has also been a great help to the law enforcement and the District Attorney to not have to try to read and figure out what th e nurses written on their reports due to different hand writing skills. With EPIC print outs on the computer it is easy to read and helps the process of going to court and making it so much easier. While Donna says there is still some problems with doing the anatomical drawings on the EPIC program they are learning the inns and outs and getting better every day at it. The company worked with the S. A. N. E. Program and their paper charts to set up the electronic program and anatomical drawings. They are planning on making a few changes this September 2013, for which they have found issues with but wanted to work with it for a year to find out all the little bugs first but states for the most part everyone is very pleased with the EPIC system (Order, 2013). Conclusion Aurora Healthcare went online with EPIC in September 2012. EPIC appears to be a user friendly system used by the physicians, nurse, and ancillary staff who all seem to be very pleased with the EPIC system after simply working out a few bugs that they had come across. The strengths of the program are the patients health information an be accessed by any healthcare provider at any site that is within the system. Plus, patients in Aurora can access their own information by going to my chart online giving the patient more access to their own healthcare information. The weaknesses they are finding is that every provider whether they are on a laptop, tablets, desktop stations or the moving work station (WOW) is that they are spending more of their time looking at screens instead of looking at the patient and making eye contact and giving them all of their attention. However, due to this issue of not being able to give attends their personal face time, some of the care providers have hired medical assistants who now follow them and do all of their dictations and typing so that they can continue to give their patients their full and up most attention and their personal face time the patients deserve.

Battle of Gazala in World War II

Battle of Gazala in World War II The Battle of Gazala was fought May 26 to June 21, 1942, during the Western Desert Campaign of World War II (1939-1945). Despite having been thrown back in late 1941, General Erwin Rommel began pushing east across Libya early the following year. Responding, Allied forces constructed a fortified line at Gazala which extended south from the Mediterranean coast. On May 26, Rommel opened operations against this position by attempting to flank it from the south with the goal of trapping Allied forces near the coast. In nearly a month of fighting, Rommel was able to shatter the Gazala line and send the Allies retreating back into Egypt. Background In the wake of Operation Crusader in late 1941, General Erwin Rommels German and Italian forces were compelled to retreat west to at El Agheila. Assuming a new position behind a strong line of fortifications, Rommels Panzer Army Afrika was not attacked by British forces under General Sir Claude Auchinleck and Major General Neil Ritchie. This was largely due to the British need to consolidate their gains and build a logistical network after an advance of over 500 miles. Largely pleased with the offensive, the two British commanders had succeeded in relieving the siege of Tobruk (Map). Major General Neil Ritchie (center) addressing other officers in North Africa, May 31, 1942. Public Domain As a result of the need to improve their supply lines, the British reduced their frontline troop strength in the area of El Agheila. Probing the Allied lines in January 1942, Rommel found little opposition and began a limited offensive east. Retaking Benghazi (January 28) and Timimi (February 3), he pushed on towards Tobruk. Rushing to consolidate their forces, the British formed a new line west of Tobruk and extending south from Gazala. Beginning at the coast, the Gazala line extended 50 miles south where it was anchored on the town of Bir Hakeim. To cover this line, Auchinleck and Ritchie deployed their troops in brigade-strength boxes which were linked by barbed wire and minefields. The bulk of the Allied troops were placed near the coast with progressively fewer as the line extended into the desert. The defense of Bir Hakeim was assigned to a brigade of the 1st Free French Division. As the spring progressed, both sides took time to resupply and refit. On the Allied side, this saw the arrival of new General Grant tanks which could match the German Panzer IV as well as improvements in coordination between the Desert Air Force and troops on the ground. Rommels Plan Assessing the situation, Rommel devised a plan for a sweeping flank attack around Bir Hakeim designed to destroy the British armor and cut off those divisions along the Gazala Line. To execute this offensive, he intended the Italian 132nd Armored Division Ariete to assault Bir Hakeim while the 21st and 15th Panzer Divisions swung around the Allied flank to attack their rear. This maneuver would be supported by the 90th Light Afrika Division Battle Group which was to move around the Allied flank to El Adem to block reinforcements from joining the battle. Fast Facts: Battle of Gazala Conflict: World War II (1939-1945)Dates: May 26-June 21, 1942Armies Commanders:AlliesGeneral Sir Claude AuchinleckMajor General Neil Ritchie175,000 men, 843 tanksAxisGeneral Erwin Rommel80,000 men, 560 tanksCasualties:Allies: approx. 98,000 men killed, wounded, and captured as well as around 540 tanksAxis: approx. 32,000 casualties and 114 tanks Fighting Begins To complete the attack, elements of the Italian XX Motorized Corps and 101st Motorized Division Trieste were to clear a path through the minefields north of Bir Hakeim and near the Sidi Muftah box to supply the armored advance. To hold Allied troops in place, the Italian X and XXI Corps would assault the Gazala Line near the coast. At 2:00 PM on May 26, these formations moved forward. That night, Rommel personally led his mobile forces as they began the flanking maneuver. Almost immediately the plan began to unravel as the French mounted a vigorous defense of Bir Hakeim, repelling the Italians (Map). A short distance to the southeast, Rommels forces were held up for several hours by the 7th Armoured Divisions 3rd Indian Motor Brigade. Though they were forced to withdraw, they inflicted heavy losses on the attackers. By midday on the 27th, the momentum of Rommels attack was faltering as British armor entered the battle and Bir Hakeim held out. Only the 90th Light had clear success, over-running the 7th Armoured Divisions advance headquarters and reaching the El Adem area. As fighting raged over the next several days, Rommels forces became trapped in an area known as The Cauldron (Map). Turning the Tide This area saw his men trapped by Bir Hakeim to the south, Tobruk to the north, and the minefields of the original Allied line to the west. Under constant assault by Allied armor from the north and east, Rommels supply situation was reaching critical levels and he began to contemplate surrender. These thoughts were erased when early on May 29 supply trucks, supported by the Italian Trieste and Ariete Divisions, breached the minefields north Bir Hakeim. Able to re-supply, Rommel attacked west on May 30 to link up with the Italian X Corps. Destroying the Sidi Muftah box, he was able to split the Allied front in two. On June 1, Rommel dispatched the 90th Light and Trieste divisions to reduce Bir Hakeim, but their efforts were repulsed. At the British headquarters, Auchinleck, fueled by overly-optimistic intelligence assessments, pushed Ritchie to counterattack along the coast to reach Timimi. Rather than oblige his superior, Ritchie instead focused on covering Tobruk and reinforcing the box around El Adem. On June 5 a counterattack did move forward, but Eighth Army made no progress. That afternoon, Rommel decided to attack east towards Bir el Hatmat and north against the Knightsbridge Box. Italian Ariete Division tanks at the Battle of Gazala, June 10, 1942. Public Domain The former succeeded in overrunning the tactical headquarters of two British divisions leading to a breakdown of command and control in the area. As a result, several units were severely beaten through the afternoon and on June 6. Continuing to build strength in the Cauldron, Rommel conducted several attacks on Bir Hakeim between June 6 and 8, significantly reducing the French perimeter. By June 10 their defenses had been shattered and Ritchie ordered them to evacuate. In a series of attacks around the Knightsbridge and El Adem boxes on June 11-13, Rommels forces dealt the British armor a severe defeat. After abandoning Knightsbridge on the evening of the 13, Ritchie was authorized to retreat from the Gazala Line the next day. With Allied forces holding the El Adem area, the 1st South African Division was able to retreat along the coast road intact, though the 50th (Northumbrian) Division was forced to attack south into the desert before turning east to reach friendly lines. The boxes at El Adem and Sidi Rezegh were evacuated on June 17 and the garrison at Tobruk was left to defend itself. Though ordered to hold a line west of Tobruk at Acroma, this proved unfeasible and Ritchie began a long retreat back to Mersa Matruh in Egypt. Though Allied leaders expected Tobruk to be able to hold out for two or three months on existing supplies, it was surrendered on June 21. Captured Allied soldiers march out of Tobruk, June 1942. Bundesarchiv, Bild 101I-785-0294-32A / Tannenberg / CC-BY-SA 3.0 Aftermath The Battle of Gazala cost the Allies around 98,000 men killed, wounded, and captured as well as around 540 tanks. Axis losses were approximately 32,000 casualties and 114 tanks. For his victory and the capture of Tobruk, Rommel was promoted to field marshal by Hitler. Assessing the position at Mersa Matruh, Auchinleck decided to abandon it in favor of a stronger one at El Alamein. Rommel assaulted this position in July but made no progress. A final effort was made the Battle of Alam Halfa in late August with no results.

Creating Marketing Plan for Online Service Essay

Creating Marketing Plan for Online Service - Essay Example The growing popularity and expected growth with online e-commerce and services offers even more opportunities for creating the right marketing plan for the online service. Tools for Marketing The first approach taken for the online marketing plan is based on growing in search engines. On average, 48% of individuals find the online services by looking at search engines. The approach taken is to build a strong online presence through Google, Yahoo and MSN, the three leading areas that are able to provide opportunities for searching online. The approach to creating a presence on the Internet begins with keywords and tags that come from a website. This is furthered with building links that move back to the website and which are able to provide different alternatives for the website. The approach taken will be associated with the algorithm used by search engines, specifically which read the online website. The algorithm combines the amount of traffic with the given links and keywords to c ategorize and create an area of where the website should be categorized. By using this as a part of the marketing plan, it will become easier to develop a relevant approach to the online presence through the use of the search engines (Aakar, Kumar, 2008). While there are relevant aspects that are associated with the search engines, it is also necessary to reach indirect and direct traffic through a variety of tactics. An approach which has grown in the past years is based on the use of Web 2.0 and social media. The Web 2.0 and social media aspects are able to work toward finding indirect traffic and creating an image that allows individuals to go to the website for the services. Using options such as Twitter, Facebook and other social media allow for more interactions and opportunities for the services. The Web 2.0 alternatives are combined with interactions, reviews and dynamic content that is able to provide even more options for search engines. The communication and interaction t hat is a part of the Web 2.0 applications then create a different level of communication which can be used for the online services (Shankar, 2009). The approach with Web 2.0 and social media is one which is followed by direct interactions with potential and loyal customers. Direct marketing is able to provide even more alternatives to the online marketing while creating even more options for the online marketing. Email, newsletters, promotional offers and continuous contact with those that are interested in the business offers even more information and insight to the customers which are interested in the business. The approach taken is one which is based on customer led options. This allows customers to determine what the nature of the services or products should be. Combining this with insight into developments and new opportunities will assist in creating more customer interactions. By doing this, there is the ability to have interactions, loyalty and the ability to meet the consu mer demands that are available through the online portals (Gay, Charlesworth, 2007). Developing a Marketing Mix The various tools which are used with the online marketing are combined with the specific approaches to ensuring that the