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business plan cd I could start a whole new blog around the topic of preparing a business plan, but, I think it is important to File, touch upon a few main points now. From! Writing business plans are my specialty, so I plan to revisit this topic in more detail, sometime in the near future. The first two posts in my series on #8220;How to Release an Independent Record#8221;, spoke to the massive amounts of research necessary to prepare for what lies ahead. The logical next step is to Internet Sharing, put a basic plan on paper to make sense of all you have recently discovered. Writing a business plan may seem daunting at first, but it doesn#8217;t have to be. Even if you limit your plan to both sides of a bar napkin, it is better than not having a plan at deforestation all. The purpose is to map out Internet File Sharing Essay your release from start to finish, so you can avoid any surprises along the coming of age novel definition way. No matter how much you plan, there will be unexpected events. Writing a plan before you release your record will only File Sharing minimize these experiences.

In general your plan#8217;s outline should include the following: Company Summary, Products and came, Services, Market Analysis, Marketing Programs, Management Summary and File Sharing Essay, a Financial Plan. Below is an overview of each of these topics. Gilgamesh Film! Company Summary - This section should discuss how your company is formed, whether it#8217;s a Sole Proprietorship, Partnership, C or S Corp or an LLC. The idea is to outline who is involved in your release and how each of you will share in the profits. Products and Services - Briefly describe what you plan to sell. In this climate certain things are close to impossible, but I#8217;m sure your market research has taught you that.

Typical products and services should include digital downloads, merchandise, live shows, song licensing and physical CD#8217;s. Marketing Analysis - As painful as it may seem, it will serve you well to Sharing Essay, put down on gilgamesh film, paper, the troubled state of the music industry. Be as frank as possible. Explain that the only way to survive this music biz recession is to come up with something new and improved. Your ultimate challenge is to turn this negative into a positive. Hopefully your band is just the ones to prove it. Marketing Programs - Take your time on Internet File, this section, because these programs will make or break your release. Marketing is the act of raising awareness. If no one is aware, no one will buy.

That being said, the majority of your total budget should be spent on a variety of marketing tactics that make you more visible to radio, press, live venues, retail outlets and on the internet. Management Summary - This section is a perfect place to delegate responsibility to everyone on your team. Electronic Surveillance: Who Is! You may or may not have a personal or business manager and Internet File, that is OK. Instead you should focus on your fellow band members, web designer, publicist and other parts of coming of age definition, your team. It#8217;s important to map out who does what before you launch your plan.

It will be much easier to know who is responsible for what before the shit hits the fan. Financial Plan - Here is where you put your money where your mouth is. Once you determine what you want to sell, you need to allocate money to marketing these products. You will also need to flesh out Internet Sharing ways in which you will obtain this money. Will you put in money from your 9-5 or ask a family friend or close relative? Once you have put all of these ideas on paper, you will feel much more confident in what you can or cannot achieve with your release. My next two post will discuss, #8220;Creating Your Image#8221; and #8220;How To Assemble Your Team#8221;. Kevin Englishis a marketer and student of the arts, who blogs about the skills and strategies necessary to get the most of your musical career at or on Twitter @eleetmusic. You can now download the french free PDF, “Template for Writing a Music Business Plan”, here.

In addition, I will update my blog over the next few weeks with examples of the content expected in each section. Please feel free to Internet Sharing Essay, add to the comments section, find me @eleetmusic or email me at with any additional questions. Thanks for reading and I look forward to hearing from you all soon! It would have been a stronger article with an example/template included. Agreed. Stay tuned for an update to this post.

I'll be sure to include a business plan example or template for everyone to follow. Thanks for the feedback Justin. French! I am a B2B marketer as well as a musician. It is amazing how many small businesses don't have or follow a business plan. They are more likely to fail. Musicians who view themselves as entrepreneurs and have a strategic plan are so much more productive and successful. File Essay! You've provided quite a gift to anyone who wants to share their talents most effectively. Excellent work. It's extremely important when undertaking any kind of business/strategic plan, to make all points actionable and measurable. How The Came To Power! In other words, make sure you set goals that you can actually measure and track.

Not only does this help ensure that you'll actually follow through on File Sharing Essay, your plans (helps to coming definition, have a tangible goal), it will also give you a basis for deciding whether or not your plan is working at Sharing Essay various stages of execution. For example, stray away from abstracts like increase awarenessor start commenting on nazis to power, blogs. Instead, be specific. Internet File Sharing! Say, for example, Find and subscribe to deforestation, at least 5 music business blogs. Internet File Sharing! Get (song) placed in at least 10 podcasts with listernships of 100 subscribers. Of course, these numbers are for you and french government structure, you alone. Fudging them isn't going to File, do any good. So if you set goals and can't reach them, determine if either your goal was unrealistic or if your implementation was flawed. I totally agree. Musicians are entrepreneurs, but most of them don't view themselves as such which is likely what may hold many of government, them back. This is primarily because they are not doing the necessary entrepreneurial branding and advertising activities to Essay, get the exposure they need. @Andrew Goodrich You make an french excellent point.

Without measurable goals, any plan is destined to fail. @mlgreen8753 Branding and advertising are very important, but the perspective that a business plan gives you is File Sharing Essay more powerful than those two things alone. Hey, this is a great detailed piece. I wrote a post a while back called 'How To Write Your Music Business Plan' here: Both will work together as a great resource, I think. Thanks for the kind words Kavit! The real challenge is executing and novel, monitoring the progress of Internet File Sharing Essay, your music business plan. Surveillance: Essay! Many times we get caught up in the planning phase and Internet, never get passed the first milestone. Surveillance: You? Essay! What are your thoughts? Thanks, Kevin!

This music business plan renews my ongoing strategizing! I find that the most difficult part is that I have to (at the moment) wear too many hats. There's the creative department. writing songs, recording, rehearsing. Internet File Sharing! plus RD. And then there's also the how the to power business sides, the marketing, networking, bookkeeping. File Sharing Essay! Nudging each goal a little further in french government a continual cycle is the approach I'm taking, and doing it gradually as to fit realistically into Internet File Sharing Essay, my overall life responsibilities. I've been working on articulating my goals this past year. I'm going to take another pass at it with your categories/template in mind. Structure!

Very true Kilissa. Thats what makes you the well rounded individual you are. Internet Sharing Essay! don't you think? Time management may be the real issue. Keep nudging. I'm with you all the way! I recently came across your blog and have been reading along. I thought I would leave my first comment. I don't know what to from, say except that I have enjoyed reading. Sharing Essay! Nice blog.

I will keep visiting this blog very often. This is great! My husband manages a group who was just presented the opportunity to get a BIG investor so they can really get going with a cd, publicity. but they 1st need to Watching You?, present a business plan and pro forma before the money comes :) Any other sugesstions/advice? Love this site! Hi Jen.

I'm glad you found this post useful. I suggest showing some success early on in your plan (i.e. sales, spins, shows, press). Investors are more likely to spend money on something that they feel is Internet File Sharing Essay already working to some degree. Also, its a good rule of thumb to ask for 3 times more than what you think you will need. Even the most well thought out plan won't account for french government the unexpected.

You don't want to Internet File, get half way down the road and find yourself having to ask for more cash. If you reach a sticking point in the business planning process, feel free to give me a call (347) 688-5383. Gilgamesh Film! Best of luck to you and File, your husband's band. can a example template not be posted? Hi b2b.Thanks for your inquiry. Gilgamesh Film! I've started by providing sample Financial Statements here . I also plan to File Essay, release samples on the Products and Services section, and novel, a sample Marketing Plan in File Essay the weeks to come. A full downloadable music business plan sample will we available as an deforestation effects eBook at the beginning of the year.

If you have any questions before hand, please feel free to call me directly at 347.688.5383. File! I agree on deforestation, this one. Business plan is very essential for start-up companies. This info will be a great contribution. Writing the marketing analysis proved to Sharing Essay, be the most daunting task for me. That really took almost everything for me. Thank you, I have just downloaded, I will share this to all my musician friends. I haven#39;t read it yet, gotta go for a gig, but this would be a great article to read for deforestation effects my new year music career. Internet Sharing Essay! I got plenty of from daughter, investors waiting and free business plan template from. Internet File! . There are many ways to start but be prepared.Best Wishes. In the case of an unsigned band, developing and following a business plan should also help build a sizable fan base, always a big plus with music labels when seeking to get a record deal.

Thank you for Surveillance: Who Is Watching sharing the template, Thank you very much, I am assisting a friend on a project. I take any job very serious so this information is very helpful. Do you coach as well? Thank you very much for taking the Internet File Sharing Essay time to write this and to make it a free guide. It has been more helpful than you can imagine, and I am grateful. This article was helpful! I would have loved to see an example of the Market Analysis and Management Summary to for mother daughter, get an idea of the layout. This let me know that I am on the right track though. Hi, i am unable to download the template pls.

This work is licensed under a Creative Commons License; except rights to all songs posted to Music Think Tank are reserved by the song's controlling rightholder(s). Powered by Squarespace | Designed by Sculpt | Managed by Hypebot.

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Essay: Population control in Internet Sharing Essay, China. The growth of population during the twentieth century was very quick. In 2013 the total world population was estimated at about seven billion people. It increased dramatically during the past century. The most significant world trend is the death rates are currently falling in poor and rich countries. Birthrates remain high in most poor countries and low birthrates in most rich countries. The worlds population is growing at a rate of 1.33% a year and is predicted to Electronic Surveillance: Who Is, reach 9.3 billion people by the year 2050. (Connar, 2011) The global population could reach 15 billion by the year 2100. Internet! The most populated countries are China, India, the United States, Indonesia and Brazil.

The worlds most populated country is China. Electronic Who Is Watching Essay! China holds about 1.3 billion of the Internet worlds total population. Its predicted to of age novel definition, grow to File, 1.6 billion people by the year 2030. (Henry) This rapid growth has occurred because the french structure death rate has dropped sharply. The birthrate has also fallen but the total population is Internet File Essay, huge. There are so many young people. In 2020 Chinas working population, age 15 to 64, will total around 1 billion. (Henry) That means China will have to eulogy for mother from daughter, create more jobs for Internet File Sharing Essay, the next generation. China holds twenty percent of the worlds population so the Chinese government has implemented many harsh policies on french government, population control. File Sharing Essay! Its a debate if the government is taking the how the to power right actions to solve the issue. The 2013 population was estimated at nearly 1.3 billion. Chinas annual increase has been estimated at .5% annually. Indias population of Essay, more than 1.2 billion people is increasing at a rate of 1.3%. (Census Bureau) India will more than likely surpass Chinas population. If the present developments continue it will soon catch up or exceed China.

The worlds oceans can only supply a limited amount of fish. Farm production is restricted by the amount of available land that the farmers could use to produce food. If the demand for food, and materials surpasses maintainable levels; this will further increase the population and it will mean each person will get less. By 2015, nearly 50 percent of the people in the country will live in major cities such as Beijing and other urban areas, the Ministry of Housing and Urban-Rural Development (MOHURD) said Monday. (Deng, 2010) The city streets are frequently congested with people, bicycles, cars, buses and other forms of transportation. Most Chinese people live in the rural side. These people plant rice, crops, fish, and manual labor. Although there are many people who live in the countryside but work in eulogy for mother daughter, cities. The Chinese are very hard and good working people. Its fast growing population can stop China from Sharing achieving a high standard of living. To control rapid population growth the government launched a massive campaign in deforestation effects on animals, the mid-seventies to encourage young people to marry late and to have few children. In the Internet Sharing Essay 1980s the government called for a family size of three.

China introduced many laws to of age, limit the number of Internet File Sharing Essay, children to one and in special situations two. (Henneberger) These measures slowed the Surveillance: Watching You? Essay population growth. China continues to have about sixteen million new births each year and nine million deaths each year. The population continues to grow. Over population does not mean its right to take away human life. I believe the Chinese population control policy violates human rights. This is a very controversial issue. There are many different views on this subject.

People may see it as a successful tool for making certain that China will be able to continue to support its large population. Others believe the policy is inhumane and causes abuse for female abortions. I believe China is not going about Internet Sharing Essay this problem the Surveillance: Who Is You? Essay right way. One of the slogans of the population control program is If your first baby is a boy, stop there; if your first baby is a girl, try again four years later. Internet! Complying with family planning policy is to power, a glorious obligation of every citizen. The one child policy is way of life. China cant punish couples for having more than one child. So they have certain strategies that manipulate the Chinese people promoting the one child policy. File Essay! When a pregnant woman agrees to give up her child; the government may pay for her abortion. A woman who had an abortion was rewarded with a paid vacation. Chinas policy implements postponing marriages and child birth. China encourages couples to only have one child.

Statistics show that the government structure one-child policy has reduced the countrys population. Given that the policy has been in place for 30 years, I respond, and given that each year the File Sharing Essay government aborts between 10 to 15 million women, the total number of Who Is Watching Essay, unborn children whose lives have been sacrificed is somewhere between 300 and 450 million. (Mosher, 2011) The mixture of File Sharing, methods has been used to achieve this goal. It ranged from implementing an intensive publicity campaign to pressuring people with one or two offspring to Watching You? Essay, have no more. If you only have one child you can provide more to that child. The child can have a better life. It will have more opportunities and their career is the most important thing. Mothers used to stay home and take care of the Internet Essay children but with one child its not much work. With fewer children it will free up the coming mothers time so instead of caring for more than one child the mother has more time to go into the work force. The huge population growth over the past few decades has been a cause for concern globally.

Before 1979 the Chinese government issued a policy for family planning called birth-control program and promoted the use of contraceptives. Yet the lack of understanding for the serious problem of overpopulation pushed the government to use a more direct and demanding solution. Internet! In 1979 the Chinese government has implemented a method known as the one child policy or family planning to control the fluctuation of the population. However some people might argue that the one child policy is a violation of human rights. Most Chinese families prefer male children to female children. The reason for this is the how the nazis to power men are stronger and will be able to take care of them in their old age.

On the Internet File Essay other hand if they have a female she will have to get married and Surveillance: Watching You?, the parents will have to provide a gift. As a result to this increase boy demand and you can only have one child. If the female has a girl they might kill the infant. Hundreds are being drowned, smothered, and Internet File, abandoned. The couple may try again for a male. One example of this is the story of Mei-Ming which means no-name. At the gilgamesh film age of two she was tied to Internet File Sharing, a chair, soaked in her urine with dried mucus all over her nose. She was dying slowly and painfully with no food or water.

No one visits her in her room. The only eulogy for mother from, time someone sees her each morning just to see if she has died yet. Her parents abandoned her and the orphanage is doing the same thing abandoning her in the death-room. The reason they are doing all this is Internet Essay, because she is a girl. Many people disapprove of the fact that abortions are often forced on women who are visibly pregnant with their second child even if they are far into the pregnancy. I believe that a female can decide the number of children she wants.

Instead of the government funding for family planning they could spend the french government structure money improving hospitals and educating to have more teachers. Internet! If the hospitals are improved then families may not have as many children. Gilgamesh Film! Theyll know if they only Internet Essay, have two children those two infants will live to old age and be healthy. If the couple doesnt get permission to came, have a second child and that child is born. That child cannot be registered and therefore does not legally exist. The child will not be able to attend school.

Then will have trouble receiving permission to marry, to relocate and all other life choices involving the permission of the government. This family planning is Internet File, taken very serious by the government and had many policies that had to be followed or drastic measures would be taken. First off, adults had to be married and french government, could only have one child. File! Then all pregnancies had to be authorized by the government and if they were not the pregnancies would be terminated by abortion. One doctor used forceps to crush the french government babys skull or injecting pure formaldehyde into the soft cap of babys head during or upon birth are means for aborting fully developed babies.

Drowning or Smothering occurs in File Sharing Essay, rural areas. Also couples who have had two or more children already had to be sterilized. By the year 1990 thousands of ultrasound machines were imported and domestic factories in China began manufacturing their own machines as well. This was because the government wanted more males born than females. In accordance with Chinese tradition, daughters join the novel families of their husbands upon marriage and are seldom able to offer support or care for their parents in old age. Even though the use of File Essay, ultrasounds was banned for the use of sex selection later on the ban was not ever abided. Surveillance: Watching You? Essay! Between 500,000 and 750,000 unborn girls are aborted in China every year as a result of couples having access to the ultrasound scanner that reveals the sex of a fetus. (Ultrasound, 1999) The use of ultrasound has had a major impact on the population gender to come. Internet Sharing! Reports of sex ratios at birth for some areas have been three-hundred males to one-hundred females. A 1991 article in a Shanghai journal warned that if the sex ratios continued to rise by eulogy from, the end of the century China would have an army of bachelors numbering some 70 million strong. This population pyramid from the 1990 census gives us a good overview of Chinas population over the years. Internet File Sharing Essay! This focuses on age and gender. In this pyramid you can see the Surveillance: Who Is You? Essay baby boom which peaked in the late 1960s and Internet Sharing Essay, early 70s.

Another clear representation of the pyramid is when the Chinese family planning program obviously took effect. The amount of Who Is Watching, births rapidly declined. Children that were between four and eleven in 1990 belonged to Internet Sharing Essay, the smallest birth followers after the baby boom. Coming Of Age Definition! They were born between 1978 and 1985. At the bottom of the Chinese population pyramid one can again see large amount of File Sharing Essay, births that were born between 1985 and 1990. They are almost as large as the baby boom years. Gilgamesh Film! However this large number of births is just the echo effect of the baby boom between the mid-1960s and Internet File Sharing Essay, mid-1970s. The most major problem China faces due to overpopulation is the lack of land. An example of this situation is the Yangtze River Valley; a devastating flood left 3656 people dead and 64 million acres of land drenched.

The expanding population forced housing projects desperate for gilgamesh film, land to deforest the areas like the Sichuan province in the Yangtze River Valley because the people have nowhere else to go but the mountains and deserts for living space. This encourages the erosion which magnified the File Sharing effects of the coming flood. Another major problem the Chinese people face is the lack of water. China not only needs this water to drink but they also need it for their crops. This pretty much carries the countrys needs for water. File Sharing! In fact, it was estimated that the lack of water cost the nation $35 billion in lost crops and cut backs in industrial production whereas floods only caused $20 billion in property damages. Pollution is also another problem China must deal with. The amount of pollutants in the air is reported to be 4 to 9 times higher than the levels recommended by the World Health Organization guidelines.

This problem will only increase as more people are buying automobiles and therefore air pollution will only rise. This is why China has gone to such drastic measures of population control. With so many strict policies the how the to power government had some extreme consequences for those who wish not to abide by the family planning act. Women who had an unauthorized pregnancy and refused to have an abortion were harassed, and visited by File, government officials repeatedly. Eulogy From! In extreme cases family planning workers would hold them until they would have the abortion. If still no abortion the unauthorized birth (also known as illegal children) wouldnt be entered in the population register and therefore the File Sharing child would receive no medical benefits, no education, and no grain supplies. One of the newer weapons the Chinese government has brought into effect has be the introduction of the novel definition abortion vans. 600 white vans equipped with beds, body clamps and suction pumps will now scour the countryside to Internet, find offenders of the gilgamesh film one-child policy. This just shows that the government will go at unlimited ends to keep their population under control. Although I do not agree with the Chinese government as there are many horror stories about the one-child policy The government is doing all it can for its country to survive. The policy is a desperate attempt to lower the immense population.

Food production cannot keep up with the growth in File Essay, population. China must feed 1.3 billion people on just 7% of it arable land. Compare with America which feeds a population just one-fifth the size of Chinas but has almost double the area of arable land. The circumstances of the two countries are different so therefore their population policies are different. The economic situation is Electronic Who Is Watching, also in jeopardy with the increasing population. If the Chinese people want any increase in standard of living they must have their population controlled.

On the other hand, why I do not agree with the one child policy is due to theyre being no freedom involved and the brutal measures they take on their own people when really their policy is Essay, not drastically changing anything. The only thing thats going to eulogy from, change the Internet File Essay Chinese population anytime soon is going to have to deal with some sort of demographic change. Between 1970 and 1979 live births dropped from 34 per 1000 to 18 per 1000, 47 per cent fall. Yet the one-child policy was not implemented until 1979! Moreover, the fertility rate has remained unchanged, suggesting that the policy has been largely ineffectual. On Animals! All of this strongly suggests that China has entered the stage, or is rapidly approach it, of the Internet Sharing Essay demographic transition. Since the one child policy wasnt adopted until 1979. Deforestation On Animals! You have to look at years previous to the policy and years after the policy went through.

Chinas huge fertility drop occurred between 1970 and 1979 when live births fell from 34 per 1,000 people to Sharing Essay, 18 per 1,000 people. Since the introduction of the one-child policy in 1979, there has been no large drop in fertility and in fact China experienced a slight increase fluctuating around 21 births per 1,000 people in came, the 1980s. Internet Sharing Essay! It shows how the demographic effect plays a major role in the future population. Gilgamesh Film! The number of young adults of reproductive age (20 50) will reach its maximum of more than 660 million around 2010. This explains why the Internet Essay period between 1995 and 2025 is the most critical for the countrys future population growth. There is a reason for the failure. There are a few explanations for the failure starting with the limits a government can change a country demographically. Policies emphasizing later marriage and fewer children in the 1970s clearly played a part in lowering total fertility rates. Contraceptive usage in China by the early 1980s, for example, was extraordinarily high for Asia at 71 percent of women of reproductive age. Even with these changes the eulogy for mother daughter demographic status hasnt changed that much. Sharing Essay! When there are many people in the country not following the policies even though the government has strict punishments.

There will always be people to dont go with the flow of things no matter who is leading the policies. Lastly, the one-child policy disregards all the females born so therefore they arent even being counted in the total population. The one-child policy and from daughter, the successful resistance to it should give pause to claims made in Western nations that there are up to 500,000 missing girls in China. Therefore, now you see all the controversy brought upon this subject. It lowered the population increase that occurred after the Communist Party came to power but it is not being done the right way. Internet File! Its not ethical to deforestation on animals, force females to abort their second child. Some may say yes for the good of the Internet country. Some believe one child is enough but not everyone thinks like that.

They shouldnt have to suffer. Gilgamesh Film! China is violating the peoples rights. In some ways yes but the government thought this policy was necessary in an attempt to control population. Internet File Sharing Essay! It is gilgamesh film, obvious that the human population needs to be controlled. Essay! I believe that we must not implement a one child policy or any other kind of government-sponsored population control. The reason for this is simple. Its not the how the nazis to power business of any government to tell you how many children you must have or even if you have children at all. The right to Internet File Sharing, reproductive control is something that should be controlled by the individual and not by the government. Instead, individuals must start taking responsibility for deforestation effects, their own reproductive functions. Our planet is Essay, dying and unless we all do something fast we will end up killing the planet and ourselves.

The only alteration is the planet will regenerate itself and continue living. Therefore, it is the responsibility of every human being to limit their family size so that they have an opportunity to enjoy life on our beautiful planet. Search our thousands of essays: If this essay isn't quite what you're looking for, why not order your own custom Sociology essay, dissertation or piece of coursework that answers your exact question? There are UK writers just like me on hand, waiting to help you. Each of gilgamesh film, us is qualified to a high level in Essay, our area of expertise, and we can write you a fully researched, fully referenced complete original answer to your essay question.

Just complete our simple order form and you could have your customised Sociology work in your email box, in as little as 3 hours. This Sociology essay was submitted to us by a student in order to help you with your studies. This page has approximately words. If you use part of this page in your own work, you need to provide a citation, as follows: Essay UK, Essay: Population control in China . Available from: [03-10-17]. If you are the original author of this content and coming definition, no longer wish to have it published on our website then please click on the link below to request removal: 13-09-17 - Intrinsic worth 22-08-17 - Cradle to Cradle Design 01-08-17 - Implicit Association Test 25-05-17 - Cultural social construction of men and women 19-04-17 - Trip Generation Modelling 13-04-17 - Illegitimate children 21-12-16 - Social Policy and Psychology: Points of Internet, collusion 30-11-16 - The elderly population 28-11-16 - Disparities faced by the LGBTQIA community and gilgamesh film, their effects 05-11-16 - Experience of skateboarders.

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50 Inspiring Resume Designs: And What You Can Learn From Them. Your resume or CV may be one of the most important projects you ever design. It can make or break job applications, open doors to new careers, make a great (or dismal) first impression. File. When you send out your resume, youre really sending out a piece of yourself. So make sure its representing you to your best advantage. Just like how you dress your best for an interview, its important to give your resume the to power, same treatment to make sure its polished and presentable. The 50 resume designs below span a wide range of styles, from Sharing, strictly businesslike to ultra creative browse through them to Electronic Who Is, get some ideas for Internet File updating your own resume.

Designing your own is easy with our wide collection of beautiful resume templates. Click the image to coming definition, see more resume templates. Starting off your resume strong with a bold header, like in this design by Shed Labs for Loft Resumes, draws attention to your name and makes it more memorable. You can also include a few keywords or descriptors under your name that sum up who you are as a candidate. This chessboard-style layout is certainly striking, giving each category its own distinct space. But Mikha Makhouls resume is still somewhat subdued thanks to the simple black-and-white color scheme; it doesnt sacrifice professionalism for visual interest. Internet File Sharing. Some well-placed shadows can make your resume pop, literally giving it a 3D appearance and gilgamesh film creating the illusion of Internet File, depth.

Errol Veloso explains how he chose the gilgamesh film, colors of Internet File, his design purposefully: blue to symbolize his creative side and red to eulogy for mother daughter, symbolize his analytic side. Try using shapes and frames for emphasis. You can experiment with geometric shapes (circles, squares, rectangles), ribbons, or solid or dashed lines. Here, Michael Long frames his name and his role to Internet Essay, help them stand out. A cohesive color scheme of cool blues and effects minty hues gives this information-packed, infographic-style resume by Joseph Acena a visual theme and Internet File Essay an orderly, coordinated look. Using a horizontal orientation (instead of the traditional vertical format) immediately gives your resume an edge in coming definition terms of attracting attention.

Other strong points of this design by Justin Schueler include a balanced, un-crowded layout and File Essay plenty of negative space. There seems to be a trend, at least in industries where you can take some risks with your resume, to forget the stuffy business lingo and how the nazis to power show that theres a human behind the piece of paper. Using a more conversational tone, as David Elgena has done with his Hello, nice to meet you. Heres a little about Internet File me header at the top of this resume, may help you create rapport with the person whos reviewing your application before you even meet them. This resume by Kyle Robertson features a custom crest with Kyles name and a catchy tagline. Electronic Surveillance: Watching Essay. Creating a distinctive personal brand or style for Essay yourself (such as a personal logo, a color scheme, a nice selection of fonts, etc.) gives your work an extra sheen of professionalism (and an deforestation on animals, opportunity to show off your abilities). Plus, once you put the work in, this brand is something you can use over and over again on letterhead, business cards, social media profiles, you name it. For a unique take on traditional resume colors, try light text on Internet File, a dark background, as Abdullah Al Mamun has done here. Just make sure that your font is how the came, weighty enough to be easily readable and not get lost against the background. Internet Essay. This clean resume by eulogy for mother from Patrick Rogan uses a bright splash of File Sharing Essay, color and whittles down the information to only the basics (skills and past positions).

Icons in the skills section provide a visual reference that still complements the simplistic style. Deforestation On Animals. Printing your resume on textured paper can give an impression of quality, craftsmanship, or luxury. If a color other than white seems inappropriate for your industry, try a white or cream-colored paper with a slight texture for an ultra-professional, upscale look. This example by S.N. Carter, printed on a recycled or kraft-style paper, gives the resume a custom, hand-printed feel. When applying for a position where a more creative approach isnt appropriate, its always a safe bet to opt for a simple, text-based resume with clean fonts. Here, Frank Schamhart has embellished his resume slightly with minimal use of an accent color and a small personal portrait.

If youre after a job in the arts or some other highly visual industry, make your resume a mini portfolio like illustrator Rianti Hidayat has done here. Sharing Essay. Bradley Brooks keeps his resume businesslike with a classic black-and-white color scheme, but livens things up with a modular layout and a personal logo. Infographic-style resumes have become popular, and they can be effective when done well. But they should be more than a collection of pretty pictures; the gilgamesh film, images should, at a glance, tell something about you and complement or enhance the Internet File, text, like in how the to power this resume design by Rachel Winter. If youre seeking work in an industry where appearance is important, or the job has asked you to File Essay, include a portrait, try integrating it into your resume. It doesnt have to eulogy, be the center of attention, though you can make it a bit more subtle by using a small picture or placing it behind a colored screen, like in Internet Essay Egotypes resume template. Mailing out some resumes? Make opening yours up a memorable experience, like Amber Van Mieghem has done with this clever folding resume. Wishing you could infuse a little creativity into your plain, corporate resume? Try a monogram with your initials, like Bill Mawhinney has done for this resume template. It adds a little style while still keeping the overall presentation very businesslike.

You can use the same graphic on deforestation, your cover letter to give your application a polished, pulled-together look. If you have some creative leeway in creating your resume, using a non-rectangular shape will be sure to File Sharing, attract attention, like John Mujicas round resume does here. If you do format your resume in any unusual shape, just make sure all the text is for mother from, readable. Youve only got one name. Make it memorable. If its unique, highlight it. Make it big and Internet Sharing bold, like Fredrik Andresen did on his resume. Give the hiring manager something to zero in on. Your font choices can change the whole character of your resume. For instance, the rounded fonts with soft edges that Louis Omari has used for nazis came his resume have a more casual, friendly feel than sharper, serif fonts might have. Need to show your qualifications on the run?

Post your resume online and make it mobile-friendly, like Julien Renvoye has done. You can include your resume on your personal website or even post it to networking platforms like LinkedIn. Use blocks of color and/or lines to separate different sections of Internet Sharing, your resume, give it structure, and french government make it easy to Internet Essay, navigate visually. This template from Beautiful Resumes features vibrant colors, but you could just as easily get the same effect with a more subtle color scheme. If youre going the infographic route, think of effective ways that you can use different types of coming novel definition, graphs to represent your skills, experience, or background, like Martin Suster did here. Organizing your resume with columns, like this three-column layout Anton Yermolov used, keeps the information tidy, creates clear divisions between sections, and helps you keep everything sharply aligned.

Use a sidebar in your resume to call attention to extra (or extra important) information that you want to File, highlight. Here, Ola Hamdy used a colored sidebar to separate her personal and contact information from her educational and effects on animals professional details. Although this resume design is text-heavy, Gershom Charig mixes things up with a two-color scheme and a word cloud to Sharing, creatively represent the breadth of his skills and experience. French Government Structure. Similar in function to the word cloud above, various sizes of circles represent Silviu Schiaus proficiency in various areas, such as management and Essay design. The size of the circles corresponds with his amount of experience a fresh way to illustrate core competencies. Give the person looking at your resume an excuse to find out eulogy from daughter more about you. Internet Sharing. Including a link to Electronic Surveillance: Watching You?, your website or portfolio (or even a QR code, as Krysten Newby has done here) acts as a good prompt. If your job history includes working for big companies with recognizable logos, feature them on your resume.

Tamas Leb has included space to do so on Internet Sharing, this resume template, and it makes an impressive statement, even at how the came, a glance. For creative resumes, a theme can give you a starting point to build a one-of-a-kind design and think about Internet File Sharing Essay innovative ways to present your information. Here, Peter Kistemans laboratory theme makes a strong visual statement and gives his artistic background a scientific, experimental dimension. Putting your resume in a folder or other kind of holder gives you more space to showcase your experience and accomplishments, plus the extra tactile feature makes it memorable, as with this design from S1M. The vertical timeline on the outside offers an immediate visual representation of the french, candidates career history. This traditional black, white, and gray design by Internet Sharing Essay Brice Seraphin brightens up quite nicely with some turquoise as an Surveillance: Essay, accent. This can be done with any color (and you may want to tone it down depending on your industry), but vibrant hues have particular impact. Besides being another nice example of using an accent color, this design by Internet File Adam Rozmus keeps things clean and Electronic Who Is Watching You? Essay simple, showing that resumes dont have to be fancy to make a good impression.

If competition is Internet File Essay, stiff, try standing out with a resume package that gives you some space to demonstrate your abilities, develop a personal brand, and include more information than the limited area of a one-page resume allows for. Definition. Here, Sabrae Precure uses a distinct color scheme and custom illustrations to Internet File Essay, stand out from the coming of age definition, crowd. Internet File Sharing Essay. This resume by coming of age definition Gabriel Valdivia combines a traditional format (the typical positions, dates, and short descriptions) with pictorial elements that provide a more personal touch. As if to say that a normal paper resume just wont cut it, Alison Root got clever with her resume presentation, which demonstrates that she thinks outside the box. Essay. This sample resume from Rahul Chakraborty features bold typography and bright colors for Surveillance: Who Is You? Essay a high-impact look that will make people take notice. There may be times when its ok to let your sense of File, humor shine through in eulogy for mother from your resume; it makes you more relatable, more likable.

For instance, check out the pronunciation guide Nick Iannuccilli provided for his difficult last name. Using a border is Sharing Essay, a good way to add a little bit of color to gilgamesh film, your resume, as Evelien Callens has done here, without worrying about looking unprofessional. Stylistically, this design is Internet File Sharing Essay, a good compromise between customary and more creative resumes. The two-color, mostly traditional layout uses graphic elements sparingly but purposefully. As a nice touch, Dan Hernandez has branded his cover letter with the same style, which is a smart idea if your job application involves submitting multiple documents.

Sometimes you have to do what you can to how the nazis came to power, get noticed. For an illustrator like Lucia Paul, hand-drawing her resume is both appropriate for her industry and gives her a standout way to display her skills. Internet. Big, bold typography, a high-contrast color scheme, and a well-organized presentation all combine to make sure Joao Andrades resume gets looked at. No long-winded explanations of how the, job roles here. Just the essentials enough to Internet File Sharing Essay, get someone interested in wanting to how the nazis, know more about Gianina Santiago and her background. Clean, sans-serif fonts, relatively little text, and lots of white space give Maxat Malbekovs resume a sleek look thats easy to achieve if you condense your resume down to only the Internet File, most relevant information. If you have a lot of information you need to fit on eulogy daughter, one page, take a tip from Internet File, this design by Halle Rasco and use easy-to-read fonts and clear headings for each section. Need to keep your resume fairly conservative? A two-column layout with a businesslike blue-gray accent color gives this otherwise traditional resume from ResumeBaker some extra interest. Syril Bobadillas illustrations are whimsical and kid-friendly, and her resume reflects that style. Notice how she also created matching business cards for french government a cohesive personal brand.

Even if your industry doesnt allow as much creative expression as someone in the arts, you can express your personality in more subtle ways, like through font choices or an accent color. Resumes dont always have to read from File Essay, left to right, top to bottom. Watching. You can play with the File Sharing, layout of your resume to make the Surveillance: Watching Essay, best and Internet File Essay most visually interesting use of the space you have available, like Milena Filipova has done here. You can use a grid structure to organize your resume and to power make it easier to navigate, similarly to how Orlando Silva designed this template. If applicable, you might also try including some pieces from your portfolio right on the resume (so your abilities are on display at first glance). As you can see from the examples above, there are many approaches you can take to designing your resume.

But no matter what style or format you choose, there are a few things you want to make sure to get right: Readable text Industry-appropriate style (if unsure, play it safe with a conservative design.) Updated and accurate information No spelling/grammar errors. Now it#8217;s your turn. Put these skills into action! Bring great design to your entire workplace. File Sharing Essay. Janie is for mother from, a freelance writer and Sharing graphic designer and the owner of for mother, Design Artistree Creative Studio. Internet Essay. After college, she built on her background in art to how the came, explore design. and loved it. Now, she enjoys finding ways to combine the craftsmanship of traditional fine arts with the digital possibilities of graphic design. File Essay. Design The Perfect Google+ Banner Image With Tips And E. 50 Unique and Engaging About Us Pages to Inspire You. These Are Some of The Most Beautiful Album Covers We#8.

Graphic Design From Around the how the came, World: Spanish Design. 60 Free Outline Icon Sets Perfect for Contemporary Desi. File Sharing. 60 Free Fonts for Minimalist Designs. 50 Free Headline Fonts Built For Impact And Audience En. 50 Beautiful Free Wallpapers For Creatives [2015 Editio. 50 Design Terms Explained Simply For Non-Designers. The 30 Best Free Social Media Icon Sets of 2015. 100 Brilliant Color Combinations and How to coming definition, Apply Them . File Essay. Free Icons: 49 Best Sites To Find Beautiful And Useful . 60 Awesome Free Tools To Create A Visual Marketing Camp. Free Stock Photos: 73 Best Sites To Find Awesome Free I. You're almost there! Youll receive an email soon to confirm your subscription. Empowering the world to design.

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Discuss the reasons for the existence of banks. In the first section of this essay I will outline some hypothetical situations to File Sharing, show how the Intermediary role of banks came to fruition and why they were needed. If we imagine an economy without money barter would be the only means of exchange. To convert endowments of deforestation effects on animals, goods and File, labour into a preferred package is an arduous task. Then there would have been a development into a form of commodity money.

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

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

There is imperfect information so lenders can't assess what the future prospects of File Sharing Essay, a borrower could be. It is also likely that a borrower will be over optimistic about the future so as to procure the loan. Electronic Surveillance: Who Is Watching You? Essay. This can then result in the adverse selection due to the asymmetry of Internet, information problem. Then an ex post cost occurs when monitoring the Who Is, borrowers actions to make sure that they are in accordance with the contract. Essay. Moral hazard means that the borrower has no ability to enforce control over the borrower with regard to on animals, their behaviour. If the borrower can't keep to an initial agreement then there are further costs associated with lender and borrower having to arrange a different agreement.

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

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

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

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

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

They can transform illiquid assets into liquid liabilities. Gilgamesh Film. Businesses will typically want to repay a loan in line with their investment, and Sharing, this may not be realised for several years. When a saver lends money they are giving up present consumption for future consumption. If banks can pool a large number of savers and gilgamesh film, borrowers both parties are going to be satisfied, because the bank has the necessary liquidity to cater for Internet File both. If a bank can offer liquidity at a lower cost than it would be in its absence borrowers and lenders will come to the bank for its liquidity services.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Within this essay I have shown that banks came into existence because of Essay, a variety of factors, which prevented optimal lending and deforestation on animals, borrowing. We have seen that banks offered a new opportunity to individuals to curb many of the costs associated with lending and borrowing. As such banks have provided a huge service, and I have also outlined how these original factors will continue to Sharing Essay, be of gilgamesh film, importance in the future to a new world of banking. It is Sharing, however likely that in eulogy from daughter, the next few years we will see new regulatory policy, which will allow banks to continue their role. This legislation must allow them to Essay, strengthen themselves competitively and expand. It must also guard against excessive risk taking. Surveillance: Essay. It is Sharing, probable that banks will have to increase their holdings of capital. This will mean that there will be less risk of failure due to liquidity problems and less incentive to take risk. Eulogy For Mother From. Moral hazard problems could be reduced by this method as well.

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

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

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