Cost Accounting Exam 1 Study Guide - 692 Words

Test 1 Review Use the following information to answer questions 1-3. Tee Times, Inc. produces and sells the finest quality golf clubs in all of Clay County. The company expects the following revenues and costs in 2004 for its Elite Quality golf club sets: Revenues (400 sets sold @ $600 per set) $240,000 Variable costs 160,000 Fixed costs 50,000 1. How many sets of clubs must be sold for Tee Times, Inc. to reach their breakeven point? a. 400 b. 250 c. 200 d. 150 2. How many sets of clubs must be sold to earn a target operating income of $90,000? a. 700 b. 500 c. 400 d. 300 3. What amount of sales must Tee Times, Inc. have to earn a target net income of $63,000 if they have a tax rate of 30 percent? a. $489,000†¦show more content†¦Estimate total cost of utilities for the month. *Know basic concepts and terms from CVP chapter in your book. Also, make sure you understand the SEWMEX concepts and problems. Answers 1. Variable costs per unit = $160,000/400 units sold = $400 Contribution Margin = $600 – 400 = $200 per unit Breakeven point = $50,000/$200 = 250 units 2. TOI = $50,000 + $90,000/$200 = 700 units 3. TNI = $50,000 + $63,000/(1 – .30)/$200 = 700 units Ãâ€" $600 = $420,000 4a. Sales ($68 per unit Ãâ€" 410,000 units) $27,880,000 Variable costs ($60 per unit Ãâ€" 410,000 units) 24,600,000 Contribution margin $ 3,280,000 4b. Contribution margin (from above) $3,280,000 Fixed costs 1,640,000 Operating income $1,640,000 5a. Sales (from above) $27,880,000 Variable costs ($54 per unit Ãâ€" 410,000 units) 22,140,000 Contribution margin $ 5,740,000 5b. Contribution margin $5,740,000 Fixed costs 5,330,000 Operating income $ 410,000 6. Operating income is expected to decrease by $1,230,000 ($1,640,000 − $410,000) if Ms. Schoenen’s proposal is accepted. The management would consider other factors before making the final decision. It is likely that product quality would improve as a result of using state of the art equipment. Due to increased automation, probably many workers will have to be laid off. Garrett’s management will have to consider the impact of such an action on employee morale. InShow MoreRelatedACC 290 new Final Exam Guide New1260 Words   |  6 Pagesï » ¿ACC 290 Final Exam Study Guide Let’s get started†¦ Q 8 – Under IFRS Comparative prior-period information must be presented and financial statements must be provided annually. Explanation: See IFRS financial reporting requirement here: http://www.iasplus.com/en/standards/ias/ias1 Q 10 - Similarities between International Financial Reporting Standards (IFRS) and U.S. GAAP include all of the following except: Both IFRS and U.S. GAAP allow revaluation of items such as land and buildings to fairRead MoreBusiness 115 Final Exam Study Guide Essay1334 Words   |  6 PagesBUSN115 Final Exam Study Guide The BUSN115 final exam is 3 pages long. It is a timed exam worth 250 points that you may enter only once. You have 3.5 hours to complete the exam. It consists of 30 multiple choice questions worth 5 points each. There are 5 essay questions worth 20 points each. Be sure to save and save often while you are working on the exam, and submit the exam when you are finished. To earn full credit your response to each essay question should answer the question completelyRead MoreIntegrated Audit Practice Case 5th Edition Solutions Essay2997 Words   |  12 PagesIntegrated Audit Practice Case 5th Edition Solutions Free PDF eBook Download: Integrated Audit Practice Case 5th Edition Solutions Download or Read Online eBook integrated audit practice case 5th edition solutions in PDF Format From The Best User Guide Database 5th Edition (2011); Armond Dalton Integrated Audit Practice Case (group mark). 15% . Attempting homework before looking at the solutions will test your. Integrated Audit Practice Case, 5th edition, by Kerr, Elder Arens (ISBN No. 978-0-Read MoreMGMT S 2600 Midterm Exam Study Guide FINAL6989 Words   |  28 PagesHARVARD UNIVERSITY EXTENSION SCHOOL MGMT S-2600: FINANCIAL STATEMENT ANALYSIS STUDY GUIDE FOR MIDTERM EXAM 1). On October 2, 2011, Starbucks Corporation reported, on its Form 10-K, the following (in millions): Total expenses Operating income Net earnings 2011 $10,452.4 1,728.5 1,248.0 2010 $9,759.1 1,419.4 948.3 What amount of revenues did Starbucks report for the year ending October 2, 2011? A) $10,452.4 B) $ 8,723.9 C) $11,700.4 D) $12,180.9 E) None of the above Answer: C Rationale: RevenuesRead MoreGary Dessler Human Resource Management 14th Edition1672 Words   |  7 PagesAnswers Nims 700, Answers In Hsa Algebra 2014 Answer Key, American Red Cross First A Test Answers, Grade 11 Maths Literacy Exam Papers Answers, Advanced Thermodynamics For Engineers Wark Solution Manual, Mcdougal Biology Chapter Review Answers, Electrostatics Class 12 Ncert Solutions, Solution Of Quantum Mechanics By Liboff, Everfi Module Taxes And Insurance Answers, Econ 101 Final Exam Answers, Chapter3 Review The Biosphere Answers, Adverbs Answer What Four Questions, Answer Key Of Medical TerminologyRead MorePMI’s Project Management Professional (PMP) credential is the most important industry-recognized certification for project managers1642 Words   |  7 Pages Answer 1) PMI’s Project Management Professional (PMP) credential is the most important industry-recognized certification for project managers. Globally recognized and demanded, the PMP ® demonstrates that you have the experience, education and competency to lead and direct projects. The steps involved in acquiring a PMP credential are 1) Application Submission: We have 90 days to complete the application, once we have started. 2) Application Completeness review: After application has beenRead MoreBUSN115 Final Exam Study Guide1656 Words   |  7 Pagesï » ¿BUSN115 Final Exam Study Guide The BUSN115 final exam is 3 pages long. It is a timed exam worth 250 points that you may enter only once. You have 3.5 hours to complete the exam. It consists of 25 multiple choice questions worth 6 points each. There are 7 essay questions, 6 worth 15 points and 1 worth 10 points. Be sure to save and save often while you are working on the exam, and submit the exam when you are finished. To earn full credit your response to each essay question should answerRead MoreAcct2127 Course Guide S2 20132393 Words   |  10 PagesRMIT Course Guide System - HE Part B: Course Detail Page 1 of 5 Accounting for Management Decisions Part B: Course Detail Status: Published Version 1 Teaching Period RMIT Course Code RMIT Course Title School Career Campus Learning Mode Primary Learning Mode Sem 2 2013 ACCT2127 Accounting for Management Decisions 615H Accounting Postgraduate City Campus Face-to-Face Primary learning mode is face-to face class seminars Credit Points Teacher Guided Hours Learner Directed Hours CourseRead MoreTexas Cpa Report6520 Words   |  27 Pages Newman by Stefanie Chen October 19, 2015 CONTENTS EXECUTIVE SUMMARY†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..ii INTRODUCTION†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦........1 REQUIREMENTS TO APPLY FOR AND SIT FOR THE TEXAS CPA EXAM†¦Ã¢â‚¬ ¦.............1 Moral character†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.1 Degreesamp;150 hours†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦......2 Accounting, business, and ethics courses†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.....2 FOUR SECTIONS AND TEST STRUCTURES†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.........5 Coverage and structure†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Read MoreCareer Opportunities for B.S. Accountancy Students6080 Words   |  25 PagesCHAPTER I INTRODUCTION Accountancy or Accounting is said to be the â€Å"language of business†. It is the art of communicating in terms of financial aspects in the business world. It communicates in the form of financial statements that shows the income, assets, expenses, liabilities and capital of a certain business. It is a branch of mathematical science that shows the reason behind the excellent success of a company, as well as its downfall or failure. Accountancy qualifies as a profession because

Frederick Douglass And The Abolitionist Movement - 1337 Words

Frederick Douglass’s Contributions to the Abolitionist Movement Throughout the nineteenth century there was a movement that swept the upper south. This movement was the abolitionist movement which made an effort to emancipate all slaves and stop racial segregation along with discrimination. This movement led to many renowned historical figures contributing through speeches and writings with the goal of seeking an end to slavery. One of these individuals was Frederick Douglass who escaped slavery with the determination to encourage freedom for all slaves. Frederick Douglass â€Å"was an abolitionist, human rights and women’s rights activist, orator, author, journalist, publisher, and social reformer (Mintz).† He was born into slavery and it†¦show more content†¦Once he realized this, he made sure that he would find a way to be taught how to correctly read, write, and speak. At only twelve years old Douglass was sent to the Baltimore home of Hugh Auld. Wh ile there, Auld’s wife began teaching Douglass the alphabet and he then began to learn from other people, including white children in the area. These teachings would give Douglass the tools he needed to help shape his views on slavery and human rights. He then took what he learned and began to share his knowledge with others. Not only did Douglass have defined views on slavery, but he also had clear ideas of how people were to be treated. Douglass even had to defend himself against one of his slave masters that tried to beat him. After Douglass took action and defended himself he was no longer physically attacked. In 1845, he published his first autobiography, â€Å"Narrative of the Life of Frederick Douglass, an American Slave.† His autobiography told the story of his life as a slave and his journey to freedom. Many people had doubts that Douglass actually produced a prominent level of writing because he was a former slave with no official education. Douglass even tually edited his autobiography and ended up with three copies. Later on, he began to produce his own newspaper, the North Star.Show MoreRelatedFrederick Douglass : An Influential Leader Of The Abolitionist Movement1531 Words   |  7 PagesFrederick Douglass was born into slavery in the Chesapeake Bay in Maryland. He moved around many plantations. He was not raised by his parents and he received no education. From the start, Douglass’ life was destined for him to live and die a slave and have no meaningful impact on society. Despite these horrific conditions, Frederick Douglass became one of the most influential leaders of the abolitionist movement. This was largely because of his commitment to self education, his reliance on nonviolenceRead MoreFrederick Douglass: The Life of an Abolitionist Essay890 Words   |  4 PagesFrederick Douglass is perhaps the most well-known abolitionist from American history. He is responsible for creating a lot of support for the abolitioni st movement in the years before the Civil War. He, along with many others, was able to gain support for and attention to the abolitionist movement. People like him are the reason that slavery ended in the United States. Frederick Augustus Washington Bailey was born in February of 1818 in Maryland to a slave woman and a white man. 1 He was separatedRead MoreFrederick Douglass : African American Freedom Struggle888 Words   |  4 PagesFrederick Douglass became a vital figure for the African American freedom struggle during the 1860’s with the help of the abolitionist movement. Before becoming a famous spokesman Douglass was just like every other African American slave, attempting to find a way to freedom. Douglass’ runaway slave status quickly changed when abolitionist bought his freedom in hopes to strengthen the abolitionist movement. Since abolitionists were able to recognize Douglass’ intellectual abilities it made him a keyRead MoreFrederick Douglass, An American Slave1114 Words   |  5 Pages Frederick Douglass is well known for many of his literary achievements. He is best known, now, as a writer. As a writer, Frederick Douglass shined. As a speaker, he was t he best. There was no abolitionist, black or white, that was more for his speaking skills. (McFeely, 206) So impressive were Frederick Douglass’s oratorical and intellectual abilities that opponents refused to believe that he had been a slave and alleged that he was a impostor brought up on the public byRead MoreEssay Frederick Douglass and Slavery1448 Words   |  6 PagesFrederick Douglass and Slavery Frederick Douglass the most successful abolitionist who changed America’s views of slavery through his writings and actions. Frederick Douglass had many achievements throughout his life. His Life as a slave had a great impact on his writings. His great oratory skills left the largest impact on Civil War time period literature. All in all he was the best black speaker and writer ever. Douglass was born a slave in 1817, in Maryland. He educatedRead MoreAbolitionists Abolitionists are an American group who fought endlessly for the immediate600 Words   |  3 PagesAbolitionists Abolitionists are an American group who fought endlessly for the immediate emancipation of slaves. Many abolitionists were devout religious people who believed that slavery violated the divine law. Most of them came from the northeast, northwest, or the upper south. Other than religious reasons, several of these men were driven by the ideals of the American Civil War. These men were not participants in the war and wanted to be apart of the fight for the rights of slaves. SlaveryRead MoreFrederick Douglass And Slavery.1438 Words   |  6 PagesFrederick Douglass and Slavery Frederick Douglass the most successful abolitionist who changed America’s views of slavery through his writings and actions. Frederick Douglass had many achievements throughout his life. His Life as a slave had a great impact on his writings. His great oratory skills left the largest impact on Civil War time period literature. All in all he was the best black speaker and writer ever. Douglass was born a slave in 1817, in Maryland. He educatedRead MoreCompare and Contrast Harriet Beecher Stowe and Frederick Douglass740 Words   |  3 PagesEssay In the years leading up to the Civil war, many anti-slavery abolitionists spoke out on their feelings against slavery. New Christian views, and new ideas about human rights are what prompted this anti-slavery movement. Abolitionist literature began to appear around 1820. Abolitionist literature included newspapers, sermons, speeches and memoirs of slaves. Harriet Beecher Stowe and Frederick Douglass were two abolitionist writers. They were similar in some ways and different in others (â€Å"Abolition†)Read MoreFrederick Douglass And The Fight For Women s Suffrage1357 Words   |  6 PagesFrederick Douglass was a major black-male voice in the fight for women’s suffrage. Douglass unlike many men believed that women too were people and deserved all of the rights a man was given. He believed this because black men were previously apart from the equality of all men, and they too should be apart in gaining this equality for all. Douglass, along with other strong willed women, Elizabeth Cady Stanton, Susan B. Anthony, Lucretia Mott, Sojourner Truth, among others, they became the forefrontRead MoreThe Effects Of Slavery : The Narrative Life Of Frederick Douglass915 Words   |  4 Pagesthe plantations that they were stationed in, luckily some slaves would manage to escape from time to time. One of these fortunate slaves was Frederick Douglass, a renowned advocate for freedom and equality who also exposed the mistreatment of slaves and encouraged people to join the abolitionist movement in his book The Narrative Life of Frederick Douglass. Even though slavery in America only lasted for about 245 years it completely changed the social structure of future generations. Slaves would

Sbi Change Management free essay sample

Change is inequitable; not a respecter of persons. Change is for the better or for the worst, depending on where you view it. Change has an adjustment period, which varies on the individual. It is uncomfortable, for changing from one state to the next upsets our control over outcomes. Change has a ripping effect on those who won’t let go. Change is awkward at first. Change is a muscle that develops to abundantly enjoy the dynamics of the life set before us. Change calls own strength beyond anyone of us. Change pushes you to do your personal best. Change draws out those poised for a new way. Change isn’t for chickens. Change does have casualties of those defeated. Change will cause us to churn or to learn. Change changes the speed of time. Time is so slow for the reluctant, and yet it is a whirlwind for those who embrace it. Change is more fun to do than to be done to. Change seeks a better place at the end and is complete when you realize you are different. Change Management: Change management is a set of processes that is employed to ensure that significant changes are implemented in an orderly, controlled and systematic fashion to effect organizational change. One of the goals of change management is with regards to the human aspects of overcoming resistance to change in order for organizational members to buy into change and achieve the organizations goal of an orderly and effective transformation. Organizational change management takes into consideration both the processes and tools that managers use to make changes at an organizational level. Most organizations want change implemented with the least resistance and with the most buy-in as possible. For this to occur, change must be applied with a structured approach so that transition from one type of behavior to another organization wide will be smooth. SBI: State Bank of India is the largest state-owned banking and financial services company in India, by almost every parameter revenues, profits, assets, market capitalization, etc. The bank traces its ancestry to British India, through the Imperial Bank of India, to the founding in 1806 of the Bank of Calcutta, making it the oldest commercial bank in the Indian Subcontinent. The Government of India nationalised the Imperial Bank of India in 1955, with the Reserve Bank of India taking a 60% stake, and renamed it the State Bank of India. In 2008, the Government took over the stake held by the Reserve Bank of India. SBI provides a range of banking products through its vast network of branches in India and overseas, including products aimed at NRIs. The State Bank Group, with over 16,000 branches, has the largest banking branch network in India. With an asset base of $260 billion and $195 billion in deposits, it is a banking behemoth. It has a market share among Indian commercial banks of about 20% in deposits and advances, and SBI accounts for almost one-fifth of the nations loans. * The State bank of India is the 29th most reputed company in the world according to Forbes. * State Bank of India is the largest of the Big Four Banks of India, along with ICICI Bank, Axis Bank and HDFC Bank — its main competitors. Change Trigger: Liberalisation of the Indian Banking system: During the 1990s, the Indian economy began a period of rapid growth as the countrys low labor costs, intellectual capital, and improving telecommunications technology allowed India to offer its commercial services on a global basis. This growth was also aided by the governments decision to allow the creation of private-sector banks (they had been nationalized in the 1960s) Private sector banks made their first appearance in January 1993. The private-sector banks, such as ICICI Bank and HDFC Bank, altered the banking landscape in India. Core banking systems and electronic delivery channels that allowed these banks to introduce new products and provide greater convenience to customers acted as a hurdle for the PSBs. During that period, Public Sector Banks accounted for over three-fourths of total banking industry assets. They were weighed down with huge NPAs(Non-Performing Assets), falling revenues, lack of modern technology and a massive and highly unionized workforce. New entrants began to erode the market share of the nationalized banks, especially in metro cities and urban areas. The PSBs found it increasingly difficult to compete with the new private sector banks and the foreign banks. These banks also employed state-of-the-art technology, which helped them to save on manpower costs and concentrate on providing better service. Changes in SBI: Drivers for a New Core System Though SBI had undertaken a massive computerization effort in the 1990s to automate all of its branches, implementing a highly customized version of Kindle Banking Systems Bankmaster core banking system (now owned by Misys). However, because of the banks historic use of local processing and the lack of reliable telecommunications in some areas, it deployed a distributed system with operations located at each branch. Although the computerization improved the efficiency and accuracy of the branches, the local implementation restricted customers use to their local branches and inhibited the introduction of new banking products and centralization of operations functions. The local implementation prevented the bank from easily gaining a single view of corporate accounts, and management lacked readily available information needed for decision making and strategic planning. The advantages in products and efficiency of the private-sector banks became increasing evident in the late 1990s as SBI (and Indias other public-sector banks) lost existing customers and could not attract the rapidly growing middle market in India. In fact, this technology-savvy market segment viewed the public-sector banks as technology laggards that could not meet their banking needs. In 2002, SBI adopted a new technology that included the implementation of a new centralized core banking system. This effort encompasses the largest 3,300 branches of the bank that were located in city and suburban areas. The State Bank of Indias objectives for its project to modernize core systems included: †¢ The delivery of new product capabilities to all customers, including those in rural areas †¢ The unification of processes across the bank to realize operational efficiencies and improve customer service. Provision of a single customer view of all accounts †¢ The ability to merge the affiliate banks into SBI †¢ Support for all SBI existing products †¢ Reduced customer wait times in branches †¢ Reversal of the customer attrition trend Challenges for the bank: The bank faced several extraordinary challenges in implementing a centralized core processing system. These challenges included finding a new core system that could process approximately 75 mil lion accounts daily — a number greater than any bank in the world was processing on a centralized basis. Moreover, the bank lacked experience in implementing centralized systems, and its large employee base took great pride in executing complex transactions on local in-branch systems. This practice led some people to doubt that the employees would effectively use the new system. Initial Conversion Project: The conversion effort began in August 2003, when SBI converted three pilot branches to the BaNCS system. The successful conversion and operation of the pilot branches was followed by the conversion of 350 retail branches with high-net-worth customers between August 2003 and September 2004. At this point, the bank intentionally halted the conversions to analyze and resolve reported problems. After the software and procedural changes were implemented, SBI converted an additional 800 branches between December 2004 and March 2005. Unlike in the previous conversions, this group of branches included predominantly commercially oriented offices. The conversion effort then refocused on retail branches until November 2005, when the bank paused again to resolve problems that came up during this second group of conversions. After the second round of changes, the system and processes were functioning smoothly, and management believed the branch conversion could be accelerated. Based on the successful pilot survey, SBI decided to convert the approximately 6,700 remaining SBI branches to the BaNCS system. The conversion of the remaining branches began in June 2006, with the stated goal of completing the conversion by year-end 2008. Managing the change: The factors which helped SBI in managing such a huge change are as follows: * Senior management commitment. The project was driven by the chairman of SBI, who met every month with the information technology (IT) and the business sector heads. The chairman monitored the overall status and ensured that sufficient resources were allocated to the project. TCS senior managers were thoroughly committed to the project as well and periodically met with the SBI chairman to review the project status. †¢ Staffing and empowerment of project team. The core banking team consisted of the banks managing director of IT acting as team head and 75 business and IT people selected by the bank. TCS also staffed the project with approximately 300 IT professionals trained on the BaNCS system. Importantly, the SBI business people were viewed not just as contributors to a key project but as future bank leaders. This team reported to the SBI chairman and was empowered with all decision-making authority. †¢ Ownership by business heads. The regional business line heads were responsible for the success of conversion of their respective branches and reported the status to the chairman. Thus, the business heads objectives were aligned with those of the project team. Focus on training: SBI used its network of 58 training centers across India to train employees on the new system. TCS personnel first educated approximately 100 SBI professional trainers, who then trained 100,000 SBI employees at the centers; the remaining employees trained at their respective job sites. Benefits of New Core Systems Implementation The new core system has resulted in benefits throughout the bank for b oth the customers and the employees of SBI. For example, the new core banking system has allowed the bank to redesign processes. It established 400 regional processing centers for all metro and urban branches that have assumed functions previously performed in the individual branches. The customers after implementation of this CBS system were no longer only the â€Å"customer of the branch is no longer only the customer of the branch but has also became the customer of the bank†. Meaning, they can carry out any transaction in any branch of the bank. After implementation of this system the bank has reversed the trend of customer attrition and is now gaining new market share.

Superheroes Essay Example For Students

Superheroes Essay When you think of a superhero one normally thinks of Spiderman, Batman, or Superman, but there were Superheroes Essay long before these characters were created. First one must understand that the basis of this name is hero. What is a hero? A hero is a person who does something special or out of the ordinary in order to help others. It could also be someone who is admired for a characteristic about them, be it physical or mental. They are individuals that normal everyday people can look up to. This being the case, a superhero is nothing more then someone who is a hero, but not just that once and for that one person, but someone who helps many people, or leads them. As time went by the number of people who were true heroes diminished and just doing something for someone was no longer big news. There had to be something more to make them stand out. The American culture needed someone or something to admire and that is where our common day superheroes come into play. It gave them a goal which could never be reached in hopes that people would never stop trying. We will write a custom essay on Superheroes specifically for you for only $16.38 $13.9/page Order now When one thinks about it, though it may be hard to believe, superheroes stem from God. This began as early back as Greek gods, then leading to Jesus. Jesus was a seemingly normal man who helped everyone, and led people. He was the ultimate superhero of his time. Once he was gone and became no more than a story passed down from father to son, people began to crave what was new, what was in the now. That is when tales of knights on horses and boys crawling up bean stalks and all the other fairy tales and tall tales began. This can be seen very clearly in the early American settlers. Back towards the beginning of American history we see superheroes arising for the first time in our culture. They were not necessarily able to fly or see through walls. However, they were still extraordinary people. Their stories were passed from father to son and the story grew with every telling. People like Paul Bunyan and Pecos Bill were just two of the many tales of the time which spoke of men doing extraordinary things. These tales wouldnt excite forever, though. As years go by our country and its people become less and less naive and craved more. A giant man with a blue ox and an axe just could not suffice. People become more and more numb to pain and murder, and needed more than these tall tales. It was soon after this that people began looking for someone else to admire, whether they were real or not. Someone who they can not overcome. Someone who will lead them and help them be who they were meant to be. Some look to politicians, others to mob leaders, but either way they are just looking for answers. This became harder for the youth to find. Sure they had their mothers and fathers, but they could only do so much for them. Then comic books and television came into play. Here they could see these seemingly ordinary people doing amazing things. They wanted to be just like them. It gave them structure and a feeling of guidance. They knew what they wanted to do and they began trying to do it. Now, children werent stupid enough to go out and try to fly, but they could pretend when they played. Jumping from sofa to sofa on there way to saving the girl. But again, as time went on, people wanted more. .u5dd773ab23f770c9ac6083f1348324fa , .u5dd773ab23f770c9ac6083f1348324fa .postImageUrl , .u5dd773ab23f770c9ac6083f1348324fa .centered-text-area { min-height: 80px; position: relative; } .u5dd773ab23f770c9ac6083f1348324fa , .u5dd773ab23f770c9ac6083f1348324fa:hover , .u5dd773ab23f770c9ac6083f1348324fa:visited , .u5dd773ab23f770c9ac6083f1348324fa:active { border:0!important; } .u5dd773ab23f770c9ac6083f1348324fa .clearfix:after { content: ""; display: table; clear: both; } .u5dd773ab23f770c9ac6083f1348324fa { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u5dd773ab23f770c9ac6083f1348324fa:active , .u5dd773ab23f770c9ac6083f1348324fa:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u5dd773ab23f770c9ac6083f1348324fa .centered-text-area { width: 100%; position: relative ; } .u5dd773ab23f770c9ac6083f1348324fa .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u5dd773ab23f770c9ac6083f1348324fa .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u5dd773ab23f770c9ac6083f1348324fa .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u5dd773ab23f770c9ac6083f1348324fa:hover .ctaButton { background-color: #34495E!important; } .u5dd773ab23f770c9ac6083f1348324fa .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u5dd773ab23f770c9ac6083f1348324fa .u5dd773ab23f770c9ac6083f1348324fa-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u5dd773ab23f770c9ac6083f1348324fa:after { content: ""; display: block; clear: both; } READ: Hard Rock Operations Management and Productivity of the Staff EssayThis is when the superhero movies became a huge deal. For the first time you could actually see your hero doing all the things you had read about them doing. The excitement was back and raging. superheroes took almost a God like effect on the American culture. The common day phrase, What Would Jesus Do? was then, What Would Superman or Batman Do? The more movies that came out the stronger the pull of them really was. But as these boys began to grow up, they tried to be more grown up. The movies stopped and people . Superheroes Essay Example For Students Superheroes Essay Outline1 Who is a Superhero?2 How to become a Superhero?3 Popular Superheroes Who is a Superhero? Who is a Superhero? Many consider the first superhero of Superman, but this opinion is unfortunately wrong. In the 1930s, pulp magazines became popular. At that time, a character known as The Shadow was born — a mysterious superhero who fought crime. This is a person who could hide in the shadows, distract attention, suddenly disappear and change to the appearance of other people. All of these qualities are very descriptive for a lot of superheroes. The magazine was published from 1931 to 1949, a few years before Superman, Batman and others. So since the middle of the 20th century, every man wants to be a superhero not only for his wife and children but for the whole world. Unfortunately, only a few of them actually know how to become a real hero. Of course, he can invent a new name for himself, sew a funny costume and run around the streets cheering people, but does this show true heroism? First of all, in the introduction, we need to understand, who a real superhero is. Is i t a person who is significantly different from the majority in any leading qualities (physical strength, intellect, superhuman abilities)? Or does a superhero mean someone who does things that affect society positively? As far as I am concerned, the second one is much more important than the first one. Being a man whose abilities have gone far beyond the limits accessible to the majority is not the key to success. And the point is not only in the physical impossibility of becoming a superman in our real world but also in the fact that it is difficult to remain human when your capabilities have stepped far forward in comparison with other people. How can a complex of God not arise in such conditions? How to preserve moral character when you are free to do whatever you want, while no one will be able to hold you accountable for your actions? Are superpowers and fake braveness actually important in being a superhero? Definitely not. How to become a Superhero? We will write a custom essay on Superheroes specifically for you for only $16.38 $13.9/page Order now Superhero essay for free personalities can become a hard task. People whose actions have a positive effect on society are real superheroes. Everyone can become one of them, even though the life of a superhero can look harsh and full of problems. After all, it is not necessary to be a rich philanthropist, an influential politician, a heroic soldier, or someone else whose name is on the lips of many other people. To become a superhero is enough for each of us not to be callous, not to close our eyes to the problems of society and the world. But not only activists can be called superheroes. In our society, there is a category of real superheroes that nobody knows about superheroes of this category. These are those thanks to whom modern world lives and thrives. Is it really impossible to call a real superhero a mother who gives life and soul to her children, trying to raise decent people out of them? And teachers who take on their fragile shoulders one of the most important tasks   the transfer of all the cultural and scientific experience of previous generations to the new one, which is only taking the first steps into adulthood? Each person, being a part of society, works (consciously or unconsciously) to ensure that this society will continue to exist. Overcoming laziness, egoism, greed and thirst for profit, each of us helps the world and society to flourish, we put a part of our souls in our favourite works, and therefore in the whole of human civilization. Each of us is a superhero. It is enough just to learn to see the useful and the good not only in monumental acts and events but also in everyday life, in that things that each of us does every day. .ud1da670b1cc595c18e6fcdb2fce3fd91 , .ud1da670b1cc595c18e6fcdb2fce3fd91 .postImageUrl , .ud1da670b1cc595c18e6fcdb2fce3fd91 .centered-text-area { min-height: 80px; position: relative; } .ud1da670b1cc595c18e6fcdb2fce3fd91 , .ud1da670b1cc595c18e6fcdb2fce3fd91:hover , .ud1da670b1cc595c18e6fcdb2fce3fd91:visited , .ud1da670b1cc595c18e6fcdb2fce3fd91:active { border:0!important; } .ud1da670b1cc595c18e6fcdb2fce3fd91 .clearfix:after { content: ""; display: table; clear: both; } .ud1da670b1cc595c18e6fcdb2fce3fd91 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ud1da670b1cc595c18e6fcdb2fce3fd91:active , .ud1da670b1cc595c18e6fcdb2fce3fd91:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ud1da670b1cc595c18e6fcdb2fce3fd91 .centered-text-area { width: 100%; position: relative ; } .ud1da670b1cc595c18e6fcdb2fce3fd91 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ud1da670b1cc595c18e6fcdb2fce3fd91 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ud1da670b1cc595c18e6fcdb2fce3fd91 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ud1da670b1cc595c18e6fcdb2fce3fd91:hover .ctaButton { background-color: #34495E!important; } .ud1da670b1cc595c18e6fcdb2fce3fd91 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ud1da670b1cc595c18e6fcdb2fce3fd91 .ud1da670b1cc595c18e6fcdb2fce3fd91-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ud1da670b1cc595c18e6fcdb2fce3fd91:after { content: ""; display: block; clear: both; } READ: AP Physics SHM EquationsPopular Superheroes Everybody loves superheroes. This topic is very popular among children and adults. Superheroes are depicted in a wide variety of cartoons and movies. As it was said before, it is important to understand that not only their super abilities make them popular, but what is in their souls is equally important. A lot of guys from Marvel and DC worlds have outstanding powers and breathtaking abilities. However, these things do not play a crucial role in their popularity. They are beloved by many children and adults because of their kind hearts and decent personalities. For example Batman, Superman, Iron Man, Spider-man, Captain America, Hulk, Wonder Woman and others. Each of them prompts us to become a better version of ourselves. In conclusion, they care the ideas that being a real hero does not exactly mean to have super abilities, but to have something in your heart, and to make this world better.

Decline Of The American Empire Essays - International Relations

Decline of the American Empire In any era there are different protagonists, playing the same game on a similar board. Like a game of monopoly, there are nations competing to become the foremost leaders of their time. They amass great wealth, powerful armies, and political sway. When the influence and might of these countries transcends the confines of their boundaries, so that they become a presence throughout the world, they become empires. At times, it seems as though one of these empires wins the game, becoming the undisputed superpower in the world. Today, there is one such nation that has outlived all of its rivals in the great game, it is the United States of America. This vast empire of political power, economic and military supremacy, exerts its influence over much of the world. It has risen from the obscurity of the New World, to a level of ubiquity unprecedented in history. America is more than the sum of its territories, it the sun around which the other powers revolve. Regardless of geographic location or technological development, American culture, economics and politics are concerns for the entire globe. In this age of instant communication and information, what preoccupies America, to some extent preoccupies the world. America has become eponymous with the 20th century, we live in the American Century in a state of Pax Americana (American Peace). By the might of its armies and wealth of its economy America has created an imperial peace, ensuring that threats to world peace are put in check. The Pax Americana has also been a justification to impose American will on almost every part of the world, from Vietnam to Haiti. In order to exert such power, the United States has created a massive military apparatus, and has undertaken numerous foreign obligations. But as the American Empire grew more powerful, it also became more complicated, and eventually over-extended in its obligations; and hence, more difficult to sustain. It suffers from the ailments that inflict empires when they age: a loss of direction, fiscal excess, cultural degradation and a bloated military. When a dominant empire declines, another empire emerges to replace it. It is a cycle that has held true throughout history. Rome replaced Carthage, Ottoman Turkey replaced Byzantium, Britain replaced France, America replaced Britain. Like past empires, America can neither sustain its power indefinitely, nor can it exist statically under the weight of its current difficulties. While America is racked by unprecedented domestic disunity and a sense of economic decline a resurgent Europe and an aggressively modernizing China stand to eclipse the American Empire. The close of the American Century may well be the beginning of the final twilight of the American Empire. The United States of America rose to its position of prominence in the 20th century by filling the vacuum left by the waning powers of Europe. The old empires of Europe had grown too vast; the British Empire alone covered one fifth of the globe. Their economies lost the vigor of youthful growth, while the cost of maintaining their armies grew immense. The great powers of Europe finally self-destructed within the span of two world wars. Following the Second World War, the colonial empires disintegrated with the rise of independence movements. Consequently, Europe lost its easy access to foreign markets and sources of raw materials, leaving it further weakened, creating the opportunity for the emergence of a new economic and military power. Due to geographic chance, and thanks to the opportunity created by the implosion of Europe, only the United States emerged stronger after the war. It had not endured fighting on its soil and its industries and infrastructure were undamaged. America, rejuvenated and inspired by its heroic feats, took up the duty of nursing Europe back to health. While Europe was convalescing, the United States was substituting for Europe throughout the post-war world. Thus, the Eurocentric world gave way to the American hegemony. The United States inherited the bi-polar world that emerged after the Second World War. Countries aligned themselves either to United States or to the Soviet Union in a tense Cold War. America actually benefitted from the Cold War, as it was the undisputed leader of the alliance of Western countries.

Free Essays on Moshing

Pro and con Arguments concerning Mosh pitting and Crowd surfing†¦ Pro- Mosh pitting is a vital part of Heavy Metal and Rock and Roll genre. At live concerts and shows, youths repeatedly engage in the phenomenon known as Mosh pitting. In the Mosh Pit, the people who enter engage in â€Å"rough house,† as they show their self expression through this act of tough dance. They bump each other and some people even crowd surf as a way to have fun at these shows. People mosh, and crowd surf for the rush, and the feeling of no restraint. The music that they usually listen to when they mosh reflects feelings of rage, and often of no regard. This is the way that they try to express what they believe to be true about the music. Moshing (or rough housing), can be seen as violent in a way, but so are many sports such as football. Nobody usually enters a mosh unless they want to, and there is proper etiquette for those who do. No punches are allowed to be thrown, and when people crowd surf they are not supposed to be dropped. All in all, the P eople who mosh, and crowd surf ,simply think that doing this at concerts should be allowed because it makes the concert fun, and entertaining, also because it is a part of the music that they listen to. Con - Mosh pitting and crowd surfing are extremely dangerous activities to participate in at a concert. It is very easy for people to get hurt when the join into a brawl in the mosh, or if the crowd drops the person that is crowd surfing. Injuries are bound to happen if the people around you are irresponsible. People get crushed if they fall in either case. Law suits could arise if someone gets hurt. People generally don’t like the fact that they might get hit if they attend a certain concert. Mosh pitting should be banned ,and so should crowd surfing ,so that accidental deaths do not occur as a result of participating in these out-of-control acts of recklessness.... Free Essays on Moshing Free Essays on Moshing Pro and con Arguments concerning Mosh pitting and Crowd surfing†¦ Pro- Mosh pitting is a vital part of Heavy Metal and Rock and Roll genre. At live concerts and shows, youths repeatedly engage in the phenomenon known as Mosh pitting. In the Mosh Pit, the people who enter engage in â€Å"rough house,† as they show their self expression through this act of tough dance. They bump each other and some people even crowd surf as a way to have fun at these shows. People mosh, and crowd surf for the rush, and the feeling of no restraint. The music that they usually listen to when they mosh reflects feelings of rage, and often of no regard. This is the way that they try to express what they believe to be true about the music. Moshing (or rough housing), can be seen as violent in a way, but so are many sports such as football. Nobody usually enters a mosh unless they want to, and there is proper etiquette for those who do. No punches are allowed to be thrown, and when people crowd surf they are not supposed to be dropped. All in all, the P eople who mosh, and crowd surf ,simply think that doing this at concerts should be allowed because it makes the concert fun, and entertaining, also because it is a part of the music that they listen to. Con - Mosh pitting and crowd surfing are extremely dangerous activities to participate in at a concert. It is very easy for people to get hurt when the join into a brawl in the mosh, or if the crowd drops the person that is crowd surfing. Injuries are bound to happen if the people around you are irresponsible. People get crushed if they fall in either case. Law suits could arise if someone gets hurt. People generally don’t like the fact that they might get hit if they attend a certain concert. Mosh pitting should be banned ,and so should crowd surfing ,so that accidental deaths do not occur as a result of participating in these out-of-control acts of recklessness....

Introduction music technology Essay Example | Topics and Well Written Essays - 1500 words

Introduction music technology - Essay Example The music critics also praised the lyrics and the natural and simple tone of Adele’s voice. Adele was offered her first recording contract from XL Recording after her demo was posted online by her friend. It was immediately a year after it that Adele received the critics’ choice award at Brit Awards and she also won the award for BBC Sound of the Year. Her first debut album â€Å"19† was released in the year 2008 and it immediately turned out to be a commercial and critical success. It was declared double platinum in US and four times platinum in UK. Adele experienced a career boost after she appeared on the show â€Å"Saturday night live† in 2008. She was also awarded â€Å"The Female Pop Vocal Performance† and â€Å"The Best New Artist† at the 51st annual Grammy awards. Adele’s second album named 21 set a world record, as it sold more than 28 million copies worldwide. For the completion of the song Adele collaborated with the successful producer and musician Dan Wilson. Before her meeting with Wilson, Adele wrote the lyrics of the song. Both of them practiced and brainstormed various lyrics and melodies. The song was recorded by Adele at the Harmony Studio that is present in West Hollywood California and Dan Wilson was on the Piano during the song. At that time Phillip Allen was the recording engineer. The mixing of the song was however done by Dan Parry and Tom Elmhirst, while the mastering of the song was completed by Tom Coyne. The song has a certain history, as lyrically it speaks about the end of relationship with her log time lover. The song also shows Adele confronting his marriage. At the starting of the song Adele sings a line which indicated that her boyfriend has now settled and has married someone else, which is accompanied by simple piano melody. The lyrics of the song indicate that what once was in Adele’s life and what could have been. Dan Wilson states that when Adele first