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LOVE STORY By Erich Segal The story is told from the viewpoint of a student of low at the Harvard University . called Oliver Barrett. He is part of a rich famous family from Harvard. During his senior year he met Jeniffer Cavilleri, a Radcliffe music student, who is yet to become his love . At the beginning their relationship didn't go so well and on why is important they tend to disagree a lot. Eventually they fell in love . Oliver has a complicated relationship with his father, Oliver Barrett III, who is a bit. Erich Segal , Harvard University , Interpersonal relationship 328 Words | 2 Pages.

In the 21 st century everything has become more visualized. The books do not have the same power as they used to have in the previous centuries. Nowadays, . many books or written stories have been made into screen adoption .William Shakespeare wrote Othello the Moor of Venice to be performed. There are more than fifty movies, ballet performances and musicals about Othello. Each of world without them is essays on decline of moral values, different and oil essay shows a director’s unique perspective. Can I Find Book? What is world without oil essay, it about this piece that makes people perform it. Brabantio , Desdemona , Iago 1570 Words | 4 Pages. Her other influences include LeAnn Rimes, Tina Turner, Dolly Parton, and her grandmother. Tectonic Studio? Although her grandmother was a professional opera singer, Taylor . Swift's tastes always leaned more toward country music.

In her younger years, she developed a love for Patsy Cline and oil essay Dolly Parton. Tectonic Architecture? She also credits the Dixie Chicks for demonstrating the impact you can make by stretching boundaries. At age 11, Taylor Swift made her first trip to world oil essay, Nashville, hoping to job applicant, obtain a record deal by world oil essay, distributing a demo. Billboard charts , Carrie Underwood , Country music 1518 Words | 4 Pages. Her single Our Song made Swift the youngest sole writer and singer of a number one country song. The album sold 39,000 copies during its first week. In . 2008 Taylor released her second studio album Fearless. The lead single from the of moral values, album, Love Story , was released in without September 2008 and became the essays, second best-selling country single of world without all time, peaking at number four on tectonic the Billboard Hot 100 chart.

Four more singles were released throughout 2008 and 2009: White Horse, You Belong with Me. Alison Krauss , Brad Paisley , Country music 2486 Words | 7 Pages. King Of Thailand Essays and without oil essay Term Papers. Her single Our Song made Swift the youngest sole writer and singer of a number one country song. The album sold 39,000 copies during its first week. Decline Letters? In . 2008 Taylor released her second studio album Fearless. The lead single from the album, Love Story , was released in September 2008 and became the second best-selling country single of all time, peaking at number four on world without oil essay the Billboard Hot 100 chart. Tectonic? Four more singles were released throughout 2008 and 2009: White Horse, You Belong with Me. 2009 MTV Video Music Awards , 52nd Grammy Awards , Country music 1058 Words | 4 Pages. the end of 2008, Taylor Swift was the most successful country music artist. ! Taylor won another handful of awards in oil essay 2009.

For her successes on her . Studio? album Fearless, she won “Video of the Year” and “Female Video of the Year” for her song Love Story at the CMT Music Awards. Swift made a huge break through as she was the ?rst country artist ever to win an MTV Video Music Award. She won the world without oil essay, VMA for “Best Female Video.” This win stirred a lot of controversy between some of on decline of moral values MTV?s biggest stars. Alison Krauss , Country music , Country pop 1433 Words | 6 Pages. of a Hippolyta a mother of one child who is separated from her husband. Mosley’s depiction of Rome as a city, along with his depiction of Hippolyta . herself and her relationship with her husband and world without oil essay child illustrates his main idea of happiness and love being unattainable for an affluent member of society.

Hippolyta: 1) The opening sentence of the prose piece introduces Hippolyta “overlooking the Borghese gardens.” a. This image sets up an atmosphere of regality where Hippolyta is the great debaters, described. Impossible object , Impossible objects , Love 1697 Words | 5 Pages. Where Do We Go From Here: A Capitalism: A Love Story Review. more than food on without oil essay the table and allowed many to live the elite life. On Why Is Important? America, indeed, paid a good deal for world, its love of tectonic architecture studio Capitalism. But that was . then, and just like any other love affair, the good relationship between America and Capitalism had to reach a conclusion. Unfortunately, not all endings are happy endings, and every ending has an epilogue. World Without Oil Essay? Michael Moore’s Capitalism: A Love Story depicts in a witty and easily-relatable way, the advantages and essay growth of capitalism in without America, as well as its. 66th Venice International Film Festival , Alvarado Street Bakery , Capitalism: A Love Story 1065 Words | 3 Pages. of her time, Moore uses the same techniques to bring down the powers of our time, be it GM (Roger and essays on decline of moral values Me), the gun lobby (Bowling for Columbine), the . government (Fahrenheit 911), the oil essay, health care industry (Sicko), or free enterprise (Capitalism: A Love Story ). In this latest installment in his continuing series of letters what’s wrong with America, Michael Moore takes aim at his biggest target to date, and the result is a disaster. The documentary is world, not nearly as funny as his previous films, the music selections.

Bowling for Columbine , Capitalism , Capitalism: A Love Story 1783 Words | 5 Pages. ? Critical Analysis of Capitalism: A Love Story Lee Seok Kim Practical Economics Steven Mesaros May 1, 2015 Critical . Analysis of on why in life Capitalism: A Love Story Michael Moore’s Capitalism: A Love Story examines the impacts of the current economic and social orders in United States in world general, putting Moore’s personal complaints upon nowadays spoiled capitalism. Essay On Why In Life? The film is overly asserting the capitalism presented by deceptive politicians who converted the society to a huge weapon that made a delightful. 66th Venice International Film Festival , American film actors , Capitalism: A Love Story 1067 Words | 4 Pages. Capitalism: A Love Story In class Ms. Crosdale sat us down to watch a documentary by the great Michael Moore “Capitalism: A . Love Story .” To be quite honestly at first I wasn’t very interested in oil essay it until I started to hear little things like people losing their jobs and companies taking out architecture, life insurance on without their employees unknowingly. I took it upon on voodoo in haiti myself to without, go home and catch the rest of it on Netflix. After two hours of seeing the evil of decline job applicant letters capitalism or, as Michael Moore puts it, legal greed. 66th Venice International Film Festival , Capitalism , Capitalism: A Love Story 659 Words | 2 Pages. ? “Capitalism: A Love Story ” directed by world oil essay, Michael Moore examines the social impact corporations have on society. The film shows . the power and political influence that these large corporations have and how these corporations have taken advantage of the American people for the pursuit of profit.

I will be supporting Michael Moore’s views on capitalism by citing readings from course material. I will use three readings to support Michael Moore’s views on corporate political dominance, his view on capitalism. 66th Venice International Film Festival , Capitalism: A Love Story , Corporation 1385 Words | 4 Pages. These are the letters, reasons to love the country pop singer Taylor Swift: A. She is oil essay, perfect B. A. C. B. Essays Of Moral? D. All of the above You might think the . reasons are ridiculous. But it is fact. BAM. World Oil Essay? Fact. How could you deny a universal truth (like seriously)? Okay, now let's go to the serious part and look at the real reasons. 1. Her songs are relatable best example: You Belong With Me 2. Debaters Analysis? Her songs are cheerful and decent best example: Stay Stay Stay 3. Her songs are hilariously ironic best example. Country music , Fearless , Fearless Tour 289 Words | 2 Pages.

unreleased Ain't Nothing 'Bout You Brooks and Dunn cover All Night Diner All Too Well Red All You Wanted Michelle . World Oil Essay? Branch cover American Boy American Girl Tom Petty cover Am I Ready for Love Angelina A Perfectly Good Heart Taylor Swift (album) Apologize A Place In This World Taylor Swift (album) BEdit Song Source Contribution Worked with Release date Baby Justin Bieber cover. 52nd Grammy Awards , Fearless , Love Story 1788 Words | 14 Pages. to his girlfriend;to live a day without him.He said if she was able to do it, he'll love her forever, the girl agreed and she didn't text or . call him the whole day, without knowing that he had only find thesis, 24 hours to live because he was suffering from cancer. Oil Essay? She went to his house next day, tears fell on her cheeks as she saw him lying on in a coffin with a note ;you did it baby. now do it everyday¦¦ Love Story With Sad Ending one day I was walking down the street when a gorgeous man approached me and. 2004 singles , Black-and-white films , Jay Sean 940 Words | 3 Pages. and strength in the face of adversity; or by her daughter’s pure spirit, or even the devotion of the minister Dimmesdale to his congregation. As popular and find book . coveted is the complex plot, Hawthorne’s literary talents excel within each paragraph.

The story is historical in without oil essay its characters and what they represent, but is essay on why, exciting because of its constantly misleading irony. The author uses irony systematically throughout the book to keep the reader guessing, whether verbal irony in Chillingworth’s words. Fiction , Hester Prynne , Irony 705 Words | 2 Pages. Enchanted by without, Taylor Swift Since her well-known hit, Love Story , was released, the America’s Sweetheart, Taylor Swift, only 23 . now, has grasped people’s eyes and ears with her beautiful voice, her lyrics and, most importantly, her character. However, her success doesn’t come from nowhere. On the essay math is important in life, one hand, Taylor loves her career and she devotes herself to music. “My attitude has always been that if you want to get better and without oil essay see the success, you should get motivated to of moral values, work even harder.

That’s. 2009 MTV Video Music Awards , 52nd Grammy Awards , CMT Music Awards 481 Words | 2 Pages. The Scarlet Letter is a story that illustrates intricate pieces of the Puritan lifestyle. Centered first on a sin committed by Hester Prynne . and her secret lover before the story ever begins, the novel details how sin affects the without oil essay, lives of the people involved. For Hester, the sin forces her into isolation from society and even from herself. Her qualities that Hawthorne describes at the opening of the book, her pale beauty, womanly qualities, and passion are, after a time, eclipsed by the ?A' she. Hester Prynne , John Winthrop , Love Story 569 Words | 2 Pages. Conversation Analysis of 500 Days of Summer Film. human feelings such as pain, love ,bereave, sad ,happy,angry,emotion,etc.

Love story can be most of theme . and general topic which showing in is important in life the film, and world many love story film becomes a favorite of audiences. Conversational analysis theory show also in the film,because film is arranged in the script which contain of conversation and interaction between two or more humans as people know by decline job applicant letters, dialogue. World Without Oil Essay? The writer interest to analyze conversation which appear in a love story film entitled “500 days of. Conversation , Conversation analysis , Discourse analysis 3785 Words | 14 Pages. with the pretty girl who has a curly blonde hair that is on voodoo, fond of long gowns, princess dresses, cowboy boots and brings glittery guitars during concerts? Do . Without Oil Essay? you know this girl who writes most of her songs about the great debaters essay her ex-boyfriends and usually tell a story ? Do you know this person? Well, she is none other than the famous Taylor Swift. Biography Taylor Alison Swift was born on December 13, 1989 in Reading, Pennsylvania, USA to Scott Swift and world without Andrea Swift.

Her mother named her after the singer James. 2009 MTV Video Music Awards , Brad Paisley , Country music 4188 Words | 11 Pages. Nathaniel Hawthorne displays many examples of the great debaters analysis love and hatred throughout the story . Though Hawthorne shows that . love and hatred both have the potential to world without oil essay, harm, hatred has a greater tendency to cause pain. This is clearly seen in essay is important in life Hester’s love for Pearl and Chillingworth’s hatred for Dimmesdale. Pearl is not the easiest child to love , but the attributes Hester has attained over the years have allowed her to show motherly love regardless.

One aspect of Hester’s love is her patience. Pearl is constantly asking. Causality , Emotion , Hester Prynne 684 Words | 3 Pages. single-handedly write and perform a number one song on world oil essay the country chart. She received a Best New Artist nomination at in haiti, the 2008 Grammy Awards. Swift's . second album, Fearless, was released in without oil essay 2008.

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The Top 25 Underrated Creative Writing MFA Programs (2011-2012) The twenty-five programs listed below fully fund a sizable percentage of incoming students, yet still receive less attention from oil essay applicants than they deserve. They are not -- or not yet -- among the very best creative writing MFA programs in the United States, but applicants looking to balance out an application list dominated by the great debaters highly-ranked, high-selectivity programs would do well to consider, too, some entrants to the following list: Florida State University . Tallahassee gets mixed reviews, and some worry the program has gotten too large for world, its own good, but it's three years of essays on decline values full funding at a university with not only a creative writing MFA but a top-notch creative writing doctorate, too (currently ranked second nationally). It may not deserve to be a Top 20 program in the national MFA rankings, but its recent fall in world without this year's yet-to-be-released rankings (to #72) is entirely unwarranted. Right now there's better than even odds it makes a return to the great analysis the Top 50 next year. Georgia College State University . The whole operation here gives off a warm vibe, and why not: it's a well-funded, intimate program that's been flying below the radar for years. Yet now it's within hailing distance (nine spots) of an Honorable Mention classification in the forthcoming national MFA rankings, and it really does deserves to make the world without oil essay, jump to that next level.

A better rural Southern program you'd be hard-pressed to find. Iowa State University . What was said last year bears repeating, especially with the program making the jump to Honorable Mention status in the national rankings this year: the secret's almost out of the bag on Iowa State, and what's not to like? It's three fully funded years in one of can i find book AIER's Top Five college towns (PDF) at oil essay a program to which few apply. ISU's unique focus on the environment (as well as interdisciplinary work and one-on-one mentoring) are stand-out features. Minnesota State University at Mankato . It's a program you keep hearing good things about, even if you're not entirely sure why. On Voodoo In Haiti. Maybe it's the fact that the without oil essay, English Department offers a total of 30 full-tuition-remission teaching assistantships, and they'll let you stay three years if you want. Maybe it's the sense that this is a friendly, inviting program. Who knows. In any event, it makes the on why is important in life, list, and while it may not be this grouping's strongest entrant, by world all accounts it deserves to be here. New Mexico State University . The program at NMSU has just launched a new website, and can i find book thesis the hope is that this site will shortly feature more information on the high number of oil essay full funding packages (approximately 60% of incoming students) that current NMSU students insist the where can i book thesis, MFA offers.

For now, we'll take these students at their word. World Without. Certainly, the program gives all the signs of hosting a lively literary community, and that's reflected in essays on decline of moral its slow creep up the national rankings (currently #82). As with Minnesota State, it's certainly not the strongest program on this list, but it's nevertheless worth watching. North Carolina State University . Oil Essay. Rumor has it that NCSU will soon become part of what's become a national trend among MFA programs: only admitting students who can be fully funded through grants, fellowships, or assistantships, and essay math in life thereby becoming a fully funded program under the current national assessment scheme via the without oil essay, back door. Well, why not? If the rumor's true, you're looking at a possible Top 50 program in the years ahead (it's already Top 30 in selectivity, and just outside the Honorable Mention category of the national rankings).

Poet Dorianne Laux is the star of the faculty here. Northern Michigan University . Debaters Essay. A tiny program in the scenic UP that funds surprisingly well. World Without. It oughtn't be as obscure as it is, particularly as it has one of the best student-to-faculty ratios of any graduate creative writing program in the United States. As with so many -- in fact, far too many -- MFA programs, NMUs website reveals little significant information about the program and thereby does it (and its applicants) no favors. But the sense in the creative writing community is essay on voodoo in haiti that something good is happening here. Ohio State University . Nobody can explain why this program isn't Top 25 -- perhaps even Top 20 -- every year. Sure, it's already popular, but it remains half as popular as it should be. Three years in an AIER-rated Top 15 mid-size metro with a strong faculty, a reasonable teaching load, and a vibrant university community deserves a close look from any serious MFA applicant. Every year OSU is outside the Top 25 (especially in poetry), something is oil essay grievously wrong with the national MFA picture. Oklahoma State University . The prospect of living in Stillwater won't set many eyes agog or causes many hearts to flutter, but the fact remains that the Okies don't currently crack the Top 100, and they certainly should. On Why Math Is Important. Lots of full funding packages are available, there's a creative writing doctoral program at the university along with the MFA -- meaning, by without and large, a higher quality workshop experience than one might otherwise expect -- and yet almost no one applies.

That should change. Oregon State University . With all the attention paid to architecture the University of Oregon's fully funded MFA program, the fully funded program at Oregon State somehow gets overlooked. Corvallis isn't Eugene, sure, but the fact remains that OSU ranks just outside the Top 50 in world oil essay poetry, just outside the Top 25 in nonfiction, in architecture studio the Top 40 for placement, and in the Top 50 for selectivity. There's just no reason not to world apply. Temple University . Attention poets: Temple has an MFA program. Philadelphia has long been one of the great cities for in haiti, American poets to live in, and now that Temple has transformed from without oil essay a non-terminal MA to a terminal MFA, it's suddenly worth a second look. Is it still a program in transition?

Sure. But it's also ranked 109th nationally, so the fact that it has a way to go is part and parcel of it appearing on this list. The faculty here is amazing, even if the funding is not (or not yet) -- though it's said that it's much better for poets than for fiction-writers, in keeping with the program's strong ties to the Philadelphia poetry community. University of Alaska at Fairbanks . More than 30% of incoming MFA students can expect to get a TAship in this three-year program, in addition to essay on why math is important in life having access to multi-genre courses and world without single-genre workshops in not two but four genres: poetry, fiction, creative nonfiction, and dramatic writing. There aren't many places better than scenic Alaska for aspiring poets and writers to get some serious reading and essays on decline writing done. University of Arkansas . With Ohio State, University of Arkansas is one of two current Top 50 programs to make this list (and for the record, University of Nevada at Las Vegas was quite nearly the third). World Oil Essay. This is a four-year, fully funded program in a nice college town, and tectonic architecture studio it offers literary translation as well as poetry and fiction tracks. It's in the top tier in world oil essay practically any measure you'd care to name, and yet it cannot -- cannot -- seem to crack the on voodoo in haiti, national Top 30, which is without oil essay especially odd given that a similarly long, similarly well-funded southern program (University of the great debaters Alabama) has been impossible to dislodge from the Top 20 for years now. The difference between the two programs isn't great enough to explain the ranking difference. More poets and fiction-writers should apply here, it's that simple. University of California at Riverside . World Oil Essay. Trying to get funding information on California MFA programs requires more than a little detective work.

UCR is rumored to fund many of its students well; only the program's webmaster knows for sure, however, and he's not telling. Letters. Whatever the truth of the matter, a few things are for certain: the program offers five genres of study; it (wisely) requires rather than merely encourages cross-genre work; the faculty is world excellent; and the fact that the essay on voodoo, university has an undergraduate creative writing major (the only one in oil essay California) tells you how committed the essay is important, entire university is to creative writing. The location is also a plus: a large city (300,000+) within a short distance of Los Angeles. University of Central Florida . Recently named one of the nation's biggest party schools, and why not? It's in Orlando, so there's more than just the weather to celebrate -- Disney World is only a short car-trip away. World Oil Essay. But locale aside, who knew that UCF fully funds nearly all its incoming students? The faculty roster may not boast many superstars, but neither do most other programs' faculties, and debaters essay ultimately it's the quality of teaching that matters, not public acclaim for professors' writing. If you want to attend a large, vibrant university in the midst of a large, vibrant, warm-weather city -- and be fully funded in the bargain -- UCF is for you. It's no coincidence that four programs on this list are located in Florida; MFA applicants consistently under-apply to world without oil essay Florida programs (even University of Florida, a Top 25 program overall and certainly the best MFA program in the state, receives only half the applications it should). University of Kansas . Essay. What was said last year still applies: this now-Honorable-Mention program offers three years of well-funded creative writing study, and KU is one of the few U.S. universities that cares enough about creative writing to host both a creative writing doctorate and an MFA. And did you know Lawrence, Kansas is deemed a Top 10 college town nationally by AIER?

The 2/2 teaching load is daunting, but there's still a lot of reasons to be excited about KU. University of Miami . Knocking on the door of the Top 50 in without all categories of assessment, Miami will someday soon make the leap to the Top 50 and values stay there. It's a great university in without oil essay a great city, and it deserves -- and architecture studio has -- a great, well-funded MFA program. If you're looking for world oil essay, a fully-funded-for-all MFA experience in a big city (and there are only around five such experiences available nationally), you've found your place. University of New Orleans . The Big Easy is coming back -- in a big way. The MFA at UNO offers both a full- and low-residency option, and the great debaters analysis essay frankly there's no reason not to leap at the former. Many students get full funding, you can take classes in screenwriting and without oil essay playwriting as well as poetry and fiction, and there are summer programs available in where find book thesis both Europe and Mexico. There's much to be excited about world without, here. University of find Texas at world without oil essay Austin [Department of English] . This is the other MFA program at the great debaters essay the University of world oil essay Texas. The program at tectonic studio the Michener Center is already one of the most well-known and highly-selective in America; what many don't realize, however, is that the MFA run by the university's English Department is also fully funded -- albeit less generously -- and its students get to workshop alongside Michener faculty and students.

Plus, it's in Austin, as happening a college city as one could hope for. You can expect this program to crack the without, national Top 50 sometime in find book the next 24 to 36 months, but for oil essay, now it's still a hidden gem. No other university in America (except the University of Iowa, which offers both the Writers' Workshop and the Nonfiction Writing Program) has two separate and distinct MFA programs, though the essay on why is important, difference between Iowa and Texas is that both of Iowa's programs are incredibly selective. Applicants looking to slip into a Michener-grade experience through the back door should take the hint. University of Utah . Back in 1996, the creative writing program at Utah was ranked in the Top 20 nationally -- largely due to a creative writing doctoral program that still ranks among the Top 10.

It's a mystery why the without, MFA program at Utah (now ranked #115) isn't more popular, given that almost a third of incoming students are fully funded, everyone gets to workshop with some of the best creative writing doctoral students in the world, and Salt Lake City is by all accounts a surprisingly nice (and surprisingly progressive) place to where book thesis live for a couple years. The literary arts community here deserves much more attention than it's getting from applicants. Virginia Commonwealth University . For years now VCU has been in and out of the national Top 50 -- it depends on the year -- but in a just world it would consistently be on the inside looking out. And it has nothing to do with the spotlight recently shone on world, Richmond by the successes of two of values its college basketball programs (VCU made the Final Four in world 2011, and can i University of Richmond the oil essay, Sweet 16). No, what's happening here is that a three-year, well-funded program in a Top 15 mid-size metro (according to AIER) is being overlooked. Tectonic Studio. This should be a perennial Top 50 program, and someday soon it will be. Western Michigan University . Kalamazoo is a larger and world without oil essay more vibrant college town than many realize, and now that -- as word has it -- the MFA program at WMU is math is important in life seeking only to admit students it can fully fund (much like North Carolina State, above), applying to be a Bronco just seems like good sense.

As with some other programs on this list (Florida State, Utah, and, to a lesser extent, Oklahoma State) students at Western Michigan get to workshop with some of the nation's most talented MFA graduates -- the without oil essay, creative writing doctoral program at the university is where can i book ranked among the top dozen nationally. Perhaps that's why student satisfaction here appears to be so high? WMU is knocking on the door of an Honorable Mention classification in the national rankings, and if it goes public with its plan to without become fully funded it will achieve that classification and perhaps even more -- a Top 50 designation, too. West Virginia University . They've been cagey about their funding in the past, but reports are that the funding is actually excellent and that the program's annual applicant pool is can i find swelling. It'd be hard to world without oil essay argue that the debaters essay, program should be ranked much higher than it is -- it makes the Top 60 nationally in the forthcoming national rankings -- but it still isn't spoken of as much as you'd expect. Wichita State University . The graduate creative writing program perhaps best known for being the place Albert Goldbarth teaches at has enjoyed a sudden bump in the rankings, from just outside the Top 100 to just inside the Top 80. World Without. And the of moral values, ride may well continue; there's still relatively little competition for admission to WSU, a real surprise given that this is a well-funded three-year program with a light teaching load. All of these programs (with the exception of University of Arkansas and without oil essay Ohio State) will need to spend much more time on their online promotional materials in the great debaters analysis essay order to make the world, jump from this list to the bigger one: the Top 50 national rankings, as published by Poets Writers . The Great Essay. Applicants to world oil essay these (and, really, all) programs need to the great know precisely what percentage of world without oil essay incoming students receive the equivalent of a full tuition waiver and a livable stipend, as well as see some hard data on how selective their target programs are. Until that happens, most of these programs will continue to be unjustly underrated rather than justly highly-ranked. In Haiti. And, not for nothing, nearly all of without these programs (with a few notable exceptions: Florida State, Iowa State, Ohio State, Oregon State, University of Arkansas, University of Miami, and University of Texas at Austin, all fully funded programs) could do with even more full-funding packages for incoming students. For those keeping count, this is the second year this list has been compiled.

Last year's list can be found here. Essays Of Moral. Feel free to without oil essay discuss these and other programs in the comments section below. [NOTE: San Diego State University and Florida Atlantic University were also included on this list in an earlier version of the letters, article. Funding data for these programs is without still under review to determine whether they will be readmitted to the list in the future]. A graduate of Dartmouth College, Harvard Law School and the Iowa Writers' Workshop, Seth Abramson is the author of two collections of poetry, Northerners (Western Michigan University Press, 2011), winner of the 2010 Green Rose Prize, and The Suburban Ecstasies (Ghost Road Press, 2009).

Presently a doctoral candidate in English at on decline of moral the University of Wisconsin-Madison, he is also the co-author of the forthcoming third edition of world without The Creative Writing MFA Handbook (Continuum, 2012).

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But if you can tell the essays of moral values same story in less space? Do. If you’re struggling, check out these tips for cutting your content down , or work with a designer to see how you can organize your resume to fit more in less space. Can’t figure out how to tell your whole story on one page, or want to be able to include some visual examples of your work? Instead of trying to have your resume cover everything, cover the most important details on that document, and then include a link to your personal website , where you can dive more into world without, what makes you the math is important ideal candidate. We’ll talk about world oil essay, getting creative in essay math, order to stand out in a minute. But the most basic principle of good resume formatting and design? Keep it simple.

Use a basic but modern font, like Helvetica, Arial, or Century Gothic. World? Make your resume easy on letters hiring managers’ eyes by using a font size between 10 and 12 and leaving a healthy amount of white space on the page. You can use a different font or typeface for your name, your resume headers, and the companies for world without oil essay which you’ve worked, but keep it simple and keep it consistent. Your main focus here should be on book readability for the hiring manager. That being said, you should feel free to… Really want your resume stand out from the sea of Times New Roman? Yes, creative resumes—like infographics, videos, or presentations—or resumes with icons or graphics can set you apart, but you should use them thoughtfully.

If you’re applying through an ATS, keep to the standard formatting without any bells and oil essay, whistles so the computer can read it effectively. If you’re applying to a more traditional company, don’t get too crazy, but feel free to add some tasteful design elements or a little color to essays of moral make it pop. No matter what, don’t do it unless you’re willing to put in the time, creativity, and design work to make it awesome. 10. Make Your Contact Info Prominent. You don’t need to without include your address on your resume anymore (really!), but you do need to make sure to include a phone number and decline, professional email address (not your work address!) as well as other places the hiring manager can find you on the web, like your LinkedIn profile and Twitter handle. (Implicit in this is that you keep these social media profiles suitable for world without oil essay prospective employers.) You’ve heard before that hiring managers don’t spend a lot of essay on voodoo time on each individual resume. So help them get as much information as possible, in as little time as possible. These 12 small formatting changes will make a huge difference. Know that design skills aren’t your strong suit but want your resume to world without look stunning? There’s no shame in getting help, so consider working with a professional resume designer.

This is arguably the most important document of your job search, so it’s worth getting it exactly right! 13. Keep it Recent, Keep it Relevant. As a rule, you should only show the most recent 10-15 years of your career history and only include the experience relevant to the positions to which you are applying. And remember to allocate real estate on where book thesis your resume according to importance. World Without? If there’s a choice between including one more college internship or going into more detail about your current role, always choose the latter (unless a previous job was more relevant to thesis the one you’re applying to). 14. World Oil Essay? No Relevant Experience? No Worries! Don’t panic if you don’t have any experience that fits the bill. Instead, Zhang explains , focus your resume on your relevant and transferrable skills along with any related side or academic projects, and then make sure to can i find thesis pair it with a strong cover letter telling the narrative of why you’re ideal for the job.

No matter how long you’ve been in world without oil essay, a job, or how much you’ve accomplished there, you shouldn’t have more than five or six bullets in a given section. No matter how good your bullets are, the recruiter just isn’t going to get through them. Check out these tips for tectonic architecture writing impressive bullet points . You may be tempted to throw in tons of industry jargon so you sound like you know what you’re talking about, but ultimately you want your resume to be understandable to the average person. World Without Oil Essay? Remember that the first person who sees your resume might be a recruiter, an assistant, or even a high-level executive—and you want to be sure that it is readable, relevant, and interesting to all of them. Decline Job Applicant Letters? Use as many facts, figures, and numbers as you can in your bullet points.

How many people were impacted by your work? By what percentage did you exceed your goals? By quantifying your accomplishments, you really allow the hiring manager to picture the level of world work or responsibility you needed to achieve them. Even if you don’t actually work with numbers, here are some secrets to adding more to your resume . People hire performers, so you want to show that you didn’t just do stuff, but that you got stuff done! As you look at your bullet points, think about how you can take each statement one step further and add in tectonic studio, what the benefit was to world oil essay your boss or your company. By doing this, you clearly communicate not only what you’re capable of, but also the direct benefit the employer will receive by hiring you. If you’re not sure how to explain your impact, check out these tips for turning your duties into can i, accomplishments . Describing soft skills on without oil essay a resume often starts to on decline values sound like a list of meaningless buzzwords, fast.

But being a “strong leader” or an world without, “effective communicator” are important characteristics you want to get across. In Haiti? Think about how you can demonstrate these attributes in your bullet points without actually saying them. World Without? Zhang demonstrates here how you can show five different qualities with the same bullet point—try it yourself until you get the result you’re going for! 20. Don’t Neglect Non-Traditional Work. There’s no law that says you can only in haiti put full-time or paid work on your resume. So, if you’ve participated in a major volunteer role, worked part-time, were hired as a temporary or contract worker , freelanced, or blogged? Absolutely list these things as their own “jobs” within your career chronology. If every bullet in world oil essay, your resume starts with “Responsible for,” readers will get bored very quickly.

Use our handy list of better verbs to mix it up ! Use keywords in your resume: Scan the job description, see what words are used most often, and make sure you’ve included them in your bullet points. Not only is this a self-check that you’re targeting your resume to architecture the job, it’ll make sure you get noticed in world without, applicant tracking systems. Stuck on essay in haiti which words to include? Dump the job description into world without, a tool like TagCrowd , which will analyze and spit out the most used keywords. What words shouldn’t you include?

Detail-oriented, team player, and hard worker—among other vague terms that recruiters say are chronically overused . We bet there’s a better way to on voodoo describe how awesome you are. 24. Experience First, Education Second. Without Oil Essay? Unless you’re a recent graduate, put your education after your experience. Chances are, your last couple of jobs are more important and relevant to you getting the job than where you went to college. 25. Also Keep it Reverse Chronological.

Usually, you should lay down your educational background by listing the most recent or advanced degree first, working in decline job applicant, reverse chronological order. But if older coursework is more specific to the job, list that first to grab the reviewer’s attention. Don’t list your graduation dates. The reviewer cares more about world without oil essay, whether or not you have the can i book thesis degree than when you earned it. If you graduated from college with high honors, absolutely make note of it. Without? While you don’t need to list your GPA, don’t be afraid to showcase that summa cum laude status or the can i find fact that you were in world without oil essay, the honors college at your university.

28. Include Continuing or Online Education. Don’t be afraid to include continuing education, professional development coursework, or online courses in your education section, especially if it feels a little light. Kelli Orrela explains , “Online courses are a more-than-accepted norm nowadays, and your participation in them can actually show your determination and motivation to get the debaters essay skills you need for without your career.” Be sure to add a section that lists out all the relevant skills you have for a position, including tech skills like HTML and Adobe Creative Suite and analysis essay, any industry-related certifications. Without Oil Essay? Just make sure to skip including skills that everyone is expected to have, like using email or Microsoft Word. Doing so will actually make you seem less technologically savvy. If you have lots of skills related to debaters analysis essay a position—say, foreign language, software, and leadership skills—try breaking out oil essay one of those sections and listing it on its own. Below your “Skills” section, add another section titled “Language Skills” or “Software Skills,” and detail your experience there. Again—we’re going for skimmability here, folks!

Feel free to the great debaters include an “Interests” section on world without oil essay your resume, but only decline job applicant add those that are relevant to the job. Without? Are you a guitar player with your eye on a music company? Definitely include it. But including your scrapbooking hobby for debaters analysis essay a tech job at a healthcare company? Don’t even think about it. 32. Beware of without oil essay Interests That Could Be Controversial. Maybe you help raise money for your church on the reg. Or perhaps you have a penchant for canvassing during political campaigns. Yes, these experiences show a good amount of work ethic—but they could also be discriminated against by someone who disagrees with the cause. Zhang explains here how to weigh the decision of find book whether to world without include them or not.

Do include awards and accolades you’ve received, even if they’re company-specific awards. Debaters? Just state what you earned them for, e.g., “Earned Gold Award for having the company’s top sales record four quarters in oil essay, a row.” What about essays on decline values, personal achievements—like running a marathon—that aren’t totally relevant but show you’re a driven, hard worker? Zhang shares the proper ways to include them. Gaps and world oil essay, Other Sticky Resume Situations. Where Can I Find Book Thesis? If you stayed at a (non-temporary) job for only a matter of world without months, consider eliminating it from your resume. According to The New York Times ’ career coach , leaving a particularly short-lived job or two off your work history shouldn’t hurt, as long as you’re honest about your experience if asked in an interview.

If you have gaps of essay in haiti a few months in your work history, don’t list the usual start and end dates for each position. Use years only (2010-2012), or just the world number of years or months you worked at your earlier positions. Debaters Essay? If you’ve job-hopped frequently, include a reason for leaving next to each position, with a succinct explanation like “company closed,” “layoff due to downsizing,” or “relocated to without oil essay new city.” By addressing the gaps, you’ll proactively illustrate the reason for your sporadic job movement and make it less of an issue. Re-entering the find book thesis workforce after a long hiatus? This is the perfect opportunity for a summary statement at the top, outlining your best skills and accomplishments. Then, get into your career chronology, without hesitating to world include part-time or volunteer work. See more tips from Jenny Foss for killing it on your comeback resume. Don’t try to job applicant creatively fill in gaps on your resume.

For example, if you took time out of the workforce to raise kids, don’t list your parenting experience on your resume, a la “adeptly managed the growing pile of laundry” (we’ve seen it). While parenting is world without as demanding and intense a job as any out where can i there, most corporate decision makers aren’t going to take this section of your resume seriously. 39. World? Ditch “References Available Upon Request” If a hiring manager is interested in where can i book, you, he or she will ask you for references—and will assume that you have them. There’s no need to address the obvious (and doing so might even make you look a little presumptuous!). It should go without saying, but make sure your resume is free and clear of typos. Without Oil Essay? And don’t rely on spell check and grammar check alone—ask family or friends to take a look at it for you (or get some tips from an editor on how to perfect your own work ). On Voodoo In Haiti? If emailing your resume, make sure to always send a PDF rather than a .doc. That way all of your careful formatting won’t accidentally get messed up when the hiring manager opens it on world his or her computer.

To make sure it won’t look wonky when you send it off, Google’s head of HR Laszlo Bock suggests, “Look at it in both Google Docs and Word, and decline, then attach it to an email and open it as a preview.” Ready to save your resume and send it off? Save it as “Jane Smith Resume” instead of “Resume.” It’s one less step the hiring manager has to take. Oil Essay? Carve out some time every quarter or so to pull up your resume and make some updates. Have you taken on the great analysis essay new responsibilities? Learned new skills?

Add them in. When your resume is world without oil essay updated on essay on why in life a regular basis, you’re ready to pounce when opportunity presents itself. And, even if you’re not job searching, there are plenty of good reasons to keep this document in tip-top shape. Photo courtesy of world Hero Images / Getty Images . Erin Greenawald is a freelance writer, editor, and content strategist who is essays on decline passionate about elevating the oil essay standard of essay writing on the web. Erin previously helped build The Muse’s beloved daily publication and led the company’s branded content team. If you’re an individual or company looking for help making your content better—or you just want to go out to tea—get in touch at eringreenawald.com.

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International Banking System In Bangladesh. This study focuses on the international banking system in Bangladesh. The banking industry as a major promotion of the national economy. Banking is expanding the bank's activities in Bangladesh and is currently being explored in order to serve our customers. World Without? The study has been based on the use of information obtained information from government bank, annual reports of on why math is important in life, Agrani Bank Ltd. taken from different magazines, articles, publication papers and other sources. It has been stressed and trying to find a great way to international banking the world without oil essay, real situation in Bangladesh. However, there are a lot of secrets in the banking sector. Because the researchers were unable to reach the core of the analysis is needed to essay is important in life secret information.

This report also tries to find out weak point regarding their international operation and gives some recommendations to improve the Off-shore Banking Unit of Agrani Bank Ltd. 1.2. Objective of the study. . The main purpose is to be familiar with the real world situation and practical experience in world without oil essay, a business firm basically International Banking System. Commercial bank, especially Private Bank is tectonic architecture one of the important business sectors in Bangladesh. Agrani Bank Limited is a scheduled commercial bank in the govt. sector, which is focused on the established and emerging markets of Bangladesh. The purpose of this study is to earn a real life practical experience on International transaction, Offshore Banking, and International Private Banking System.

The study mainly conducted with the following objectives: ' To find out International transactions and their mechanism. ' To find out the challenge of ABL in relation to International Operation. ' To provide the recommendation for improving the world, international transaction of ABL. 1.3. Scope of the Study. This report only focused on international banking system of Agrani Bank Ltd. Besides the international transactions, Researcher would try to focus on job applicant letters offshore banking, international private banking. From this report novice reporter will get some idea about the international banking along with International Financial Center. 1.4. World Without Oil Essay? Limitation of the Study. The objective of this study is to earn real life practical experience in International Banking System.

The lack of available of data is the the great, prominent limitation. Maximum of banking activity are practical. World Without? Just reading the manual is not enough. To earn such practical experience, it requires working with those events. The main limitations are as: ' Banking people are very busy. Sometimes it seems hard to get their attention. ' Lack of published relevant documents. ' Some information is confidential-not open to tectonic studio public. 2.1.

Company Overview. Agrani Bank Limited (ABL) was incorporated as a state-owned Commercial Bank (SCB) on May 17, 2007 Company Act 1994. Agrani Bank following the Bangladesh Bank (Nationalisation) Order 1972, the Chairman of the order to become a volunteer organization nationalized commercial banks (NCB) 1972 No. 26. ABL took over the business a going concern basis, through supplier agreements, assets, liabilities, rights and obligations of Agrani Bank, signed on world oil essay November 15, 2007 between the Ministry of job applicant, Education and Finance ABL Board of the world, People's Republic of Bangladesh from studio July 2007 retroactive director. Capital and Profit: Agrani Bank Limited is a Bank with an Authorized Capital is without BDT 2500 crore and Paid-up Capital of BDT 991.29 crore. The total Operating Profit Tk. 1006.74 Crore as on 31 December, 2012. Branches and Employees: The bank has 11 Circle offices, 29 Divisions in head office, 62 zonal offices and 902 branches including 27 corporate and 40 AD (authorized dealer) branches.

The bank has 13,890 (9,917 officers and 3,973 staffs) employees till 2012. Management: The board of directors is consisted of decline job applicant letters, 13 (thirteen) member headed by without oil essay Chairman chief Executive Officer. The Chairman and Directors are nominated by government. Agrani Bank Limited, the on voodoo in haiti, only commercial bank is won by a group of local entrepreneurs, the idea to create a model of banking financial institutions have a different outlook, provided valuable customers, financial services and innovative products for the sustainable development of the common and the establishment of a comprehensive idea of prosperity. Oil Essay? Sponsors in essay on why math is important in life, trade, commerce and industry in the field of oil essay, well-known figures. The World Bank is managed and operated by book a group of well-educated and world without, professional team, in the financial and banking sector diversified experience. The bank's management has always been focused on understanding and anticipating customer needs. Banking situation is changing day by day, so the responsibility of the banks is a policy devices and new products to adapt to a changing environment. Agrani Bank Limited has been in letters, just two years has made tremendous progress. The bank has been listed as one of high-quality service providers and its reputation. 2.2.

Hierarchy of without oil essay, Agrani bank. In a bank where people can do transaction in foreign currency is called foreign exchange transaction. ABL's foreign exchange section and international transactions are working with the head office internal division. The full process is governed by Bangladesh bank. Any kind of transaction in foreign is debaters essay a sensitive issued.

ABL is rendering various kinds of services in international transaction of their clients. ABL defines their Forex business in without, three sections. Their details descriptions are the can i book thesis, following:- 3.1. Foreign Currency Account. Foreign Currency Accounts (FCA) is an account of a transaction other than the national currency to currency, one can bank in world without oil essay, the country (territory) or bank maintained by another country (offshore). Foreign currency accounts generally do not include the national deposit insurance scheme.Since advertising per existing standards of the Bangladesh Bank may open foreign currency accounts follow types: 3.1.1. Can I Find Book? Non Resident Foreign Currency Deposit (NFCD) A/C. All non-resident Bangladeshi nationals and Bangladeshi descent, including those with dual citizenship, often living in a foreign country, you can maintain interest deposit account name as non-resident foreign currency deposits (NFCD) account authorized dealer.

NFCD account by Bangladeshi nationals and the Embassy / High Commission Government of Bangladesh abroad / semi-government / autonomous / bank nationalization deputed abroad or with international and regional organizations like the IMF, World Bank, etc. personnel / service personnel opened allocation process Inter-American Development Bank, the Asian development Bank and other foreign countries may open such accounts. NFCD accounts also are opened with funds transferred from existing foreign currency accounts maintained by the wage earners' with the ADs in Bangladesh. NFCD deposit accounts are due after one month, three months, six months and one year in nature. The bank will pay interest on such deposits in the euro currency deposit rates. These accounts can be kept in U.S. dollars, sterling, yen and euro and U.S. $ 1,000 or a minimum amount of oil essay, ?? 500 or equivalent. On Voodoo? Accounts can be opened after the other freely convertible currency on the export converts those above currencies. These accounts can, as long as the desire to maintain the account holder. Eligible persons are allowed to return to Bangladesh after such accounts can be opened at any time. In the application form prescribed by the Bangladesh national qualifying opener and world oil essay, specimen signatures of a foreign official in Bangladesh mission, or a reputable bank or any other person known to Bangladesh AD authentication to send. The account can be freely repatriated balance and accrued interest, foreign exchange, to his residence or country anywhere in the world is. 3.1.2.

Resident Foreign Currency Deposit (RFCD) A/C. Ordinarily resident in Bangladesh may open and maintain the decline job applicant, resident foreign currency deposits (RFCD) accounts receivable and foreign exchange to introduce in its return from abroad when traveling. These accounts can be brought by the foreign exchange and customs authorities to oil essay declare any amount in the form FMJ is opened, brought up to $ 5,000 without any declaration.RFCD accounts may in U.S. dollars, British pound, Japanese yen and the euro was opened, the tectonic architecture studio, desire may be retained as long as the account. In these account balances should be free to transfer abroad. Without Oil Essay? From the Fund for these accounts can also send their accounts in the usual way travel abroad (purpose, that endorsement of passport and ticket, up to $ 2,000 in cash in the form of banknotes, and the remainder in the form of TC or other currencies).Ads may be issued to holders of accounts in RFCD account balance favoring international credit cards. The deposition of foreign currency credit to the account of the depositor shall provide a written statement to mention the amount of foreign exchange return date brought from abroad , namely foreign exchange (i) is not a receipt from the export of analysis essay, goods or services in Bangladesh (ii) not commission receivable from abroad due to business in Bangladesh . World? The ad will be deposited in in haiti, the foreign exchange after only checking passports and FMJ depositors form ( if the amount is more than 5000 U.S. dollars equivalent ) , and is satisfied that the correctness of the declaration after the deposit by the RFCD account. Interest shall be paid in world without oil essay, foreign currency balances within the account, if the deposit is less a term not exceeding one month, the balance of decline, not less than $ 1,000 or ?? 500 or equivalent. The rate should balance them to keep the world without oil essay, foreign exchange settlement account with the essay on why math in life, Bangladesh Bank cut interest rates a quarter percentage points higher than the without oil essay, Bank of its interest payments. 3.1.4. Exporters Retention Quota (ERQ) A/C. A) Export of goods entitled to repatriate its exports fob 50% of foreign exchange retention quota.

However, with a high import content of the great, exports of world oil essay, goods (domestic low-value) as POL products, including naphtha, fuel oil and asphalt, imported fabrics, garments, electronic products and letters, other places are reserved repatriate 10% FOB value. B) reserved quota accounts can also be regarded as open and save in reply to back inland letter denominated in oil essay, foreign exporters to provide the name entered. As a direct export will be treated as shared directly between exporters, advertising must be careful to comply with all of the following: I. Included in the quota reserved for direct export accounts for the total amount paid to the power input deemed export of foreign exchange together shall not exceed the net repatriation of direct export FOB value of exports; and. II. Foreign exchange settlement only back-to-back LC is the essay in haiti, deemed export amount is included as an export quota reserved accounts. a. Computer software and data input / processing services exporters may retain 50% ERQ repatriation of export earnings in foreign currency accounts.

b. 5% of those in Para 'C' other services exporters mentioned above may be retained in the account ERQ they repatriate income ratio. However, indenting commission or agency commission export from Bangladesh foreign exchange earnings cannot be included in these accounts, because these revenue sources from Bangladesh origin. 3.2. Import Finance. The total import bill (C F) balance of $ 2011-12 fiscal year, when US$35,516 to pay 5.50 percent higher than imports dollar 33,657 last year billion. Though Early this year, imports increased pay Since the fiscal year in world without oil essay, global fuel prices Rising demand for electricity and fuel markets Generations, it slows down for the end This year, as imports of goods were unimportant Discouraged. Import category analysis Industrial raw materials, petroleum and petroleum Products increased by 22.75 percent, 11.15 % and 21.76%, respectively, and tectonic studio, the main import of capital machinery and world without oil essay, Commodity reduced 13.73% and 25.79 percent, respectively.

There are mainly two types of post import finance usually ABL extends to its customers. They are- 3.2.1. Loan against Imported Merchandise (LIM) There are two types of LIM. These ares- Division opened an L / C to understand the marginal part is that the applicant / importer will arrange for customs clearance of the analysis, goods in consignment clearance time guarantee deposits to world without the rest of the banks. But sometimes companies do not come forward to deposit margin, the rest of the delivery of the documents from the bank. There is no other choice, banks had to be settled by creating LIM PAD (the rest of the deposit) liabilities and port charges delivery of the tectonic architecture, goods from the port authorities.

This type is called forced LIM LIM. Here LIM components are: (a) Rest of the Margin. (b) Duty, Vat, Taxes applicable for the imported goods. Causes for world without, creation of Forced LIM. The causes of creation of studio, force LIM are:- 1. Mis-Assessment of financial ability of the importer.

2. Sudden fall of price of the imported commodity in the local market. 3. Without Oil Essay? Opening of L/C without justifying the tectonic architecture, market position. 4. Over-invoicing of the goods etc. Before opening of L/C, Banker should take necessary pre-cautions to avoid such situation. There are some customers who are availing bank financing pledge. Lim arrangement is created for these customers. Imports of goods from and through the creation of this LIM LIM adjust to customers after the custom authorities promised A / C in world oil essay, debit. 3.2.2. Tectonic? Loan against Trust Receipt (LTR)

Where a bank under the custody of world, imported goods stored, the on why, process is called LIM or pledge. However, when the delivery of goods importer custody, the without, system is can i book called a letter of trust receipt or LTR or the TR. Without Oil Essay? Under normal circumstances, LTR is considered to be an important customer banks. Also banks need to consider additional security LTR facility. Architecture? LTR component Margin (a) break (b) customs duties, VAT, taxes, etc. in whole or in part if the pre-agreed. Tenor LTR transaction is generally 90 days from the date of creation of industrial raw materials 120 days. When the goods are in pledge, inadequate collateral security may be considered but in case of LTR, the security should be adequate. 3.2.3. Without Oil Essay? Payment against Document (PAD)

Banks deal with documents, not goods. If L / C shipping documents in order to then L / C issuing bank must be paid to foreign banks to on why in life amend the world oil essay, credit within 3 days or 72 hours according to the great essay the Uniform Customs and Practice of the International Criminal Court (UCPDC) 500. If there is any discrepancy transport document, then L / C issuing bank to the negotiating bank advised on world without 7 Otherwise, shipping documents do not match. If the importer does not have enough funds in the bank account, then the bank payments to foreign banks on the shipping documents. 3.3. Export Finance. In the wake of the global financial recovery Recession, Bangladesh's export trade made turn. However, in the sovereign credit crisis Bangladesh is one of the main euro areas Export destination is its impact on exports Trade. Bangladesh's export earnings in the station in the 2011-12 fiscal year, U.S. $ 24,288 million, of which 5.90 Higher than the percentage of export revenues (USD 2010-11 fiscal year, 22,928 million). In export earnings the main increase in fiscal year 2011-12 by major categories Footwear ( 30.10% ) , engineering products ( 21.10% ) , and woven garments ( 13.90% ) of and leather ( 10.80% ) of debaters, . On the other hand , On raw jute export earnings dip ( -25.40 % ) , and ceramic products ( -10.20 % ) of And jute products ( -7.50 % ) of . Some Incentive program by the following declaration of oil essay, facilities Government continues. Job Applicant? Aid Tile ' entrepreneurs to explore new markets Inspired aid 'announced Package also been extended this year Product diversification and new exploration Export markets.

Meanwhile, the export market has been created in Japan, South Korea, South Africa and Turkey. Further, since the reduced duty India, Bangladesh goods are paid for Visit to India. 3.3.1. Export Cash Credit. In the form of credit to allow exporters before shipment stage, depending on world oil essay the credit of decline, his main safety requirements of raw materials or finished goods meant for export. This plant is allowed to be determined by the first category of credit / international banks or companies contract uncollectible valid confirmation of the project.

Depending on the title, degree of control and physical possession of the goods ECC can be of three types- Title and control of goods retained by the bank. Exporters surrender effective control of banks, bank security contributions paid by the actual possession of the goods. Without Oil Essay? Commitment on the underlying commodity implied lien. Therefore, the essays on decline, bank can take recourse to world oil essay the sale of goods to recover its dues, if the exporter fails to repay. Decline? Typically, the profit margin from 10% - 25% is retained to world prevent loss from a forced sale generated. Tenor of credit facility: 60 days to 180 days. 2. ECC (Hypothecation): Exporters pledge letter will not charge for the goods in favor of the bank, but neither ownership nor has been passed to it. Only a right or interest to the banks of the goods created, and when combined with exporters from the bank after he phoned possession of the goods.

3. ECC (Trust Receipt): Usually allows exporter wants to use the loan for processing this material and cannot easily take into account the bank's custody package to exporters. For example hides. Execution means goods exporter trust receipts held in trust on essay on voodoo behalf of the bank. It is usually given to high level of integrity and credibility no doubt customers. For relatively small reputable customers, banks often insist on an additional warranty. Settlement of Liability: On receipt of shipping documents, if the same are in order negotiation shall be made and the credit outstanding shall be adjusted. Steps followed for ECC:

Export Registration Certificate (ERC) to be obtained and its genuinely verified, mention of exportable items is without oil essay checked. Scrutiny of Export L/C: a) The L/C is irrecoverable and opened by a first class / internationally reputed bank. b) The L/C is valid. c) Terms of L/C do not violate exchange control regulations. d) L/C does not contain any term which cannot be fulfilled. e) Negotiation of the documents under L/C is not restricted. f) Authenticity of the L/C is verified. g) Reimbursement clause clearly stated. h) Amount of L/C distinctly mentioned.

i) Description, quality, quantities, price, sale terms, payment terms are strictly in terms of the contract. j) There is sufficient time to procure / manufacture and essays on decline values, ship the world without, exportable. k) Clean payment terms; there is the great debaters analysis no realization clause. Scrutiny of the Contract: I. A firm contract duly executed by the buyer or his agent. II. It is dated and contains all the oil essay, terms conditions of the tectonic architecture studio, deal. III. Quantity, description, sale terms, amount, payment terms etc are mentioned. IV.

It is signed. V. In all other aspects it is in order. VI. Buyer's credit report is obtained from world oil essay buyer's bank or an international credit rating agency. VII. Whether or not the contract is architecture studio subsequently replaceable by world irrecoverable L/C. VIII. A payment term is clear and values, contains no restrictive clause/condition. Charge documents to be obtained. b) Letter of Arrangement.

c) Letter of Continuity. d) Letter of Authority. e) Letter of Pledge / Hypothecation / or Trust Receipt (as the case may be). Tenor of ECC: 60 days to 180 days. Settlement of ECC: On receipt of shipping documents, if the same are in order negotiation shall be made and the credit outstanding shall be adjusted. 3.3.2. Oil Essay? Packing Credit (PC) Packaged loans to exporters by law but interest rates to stimulate exports before shipment financing. Packing loan is made by a bank authorized to instruct the Reserve Bank as a government policy to promote exports to strengthen the financial position of a country.

In order to where can i obtain packing credit facility, exporters will be to their banks and export order. Exporters bank official visit factories, socks and export orders and get confident assessment of the world without oil essay, value of goods. Packing credit loans are the essays values, best financial assistance to banks, to promote one of the world without, export trades. Tenor of packing credits: 90 days maximum. Scrutiny of Export L/C contracts: Same as ECC. 3.3.3.

Local / Foreign Bills Purchased (FBP) Foreign bill purchase (FBP) is a post from the future earnings of a particular export bills secured delivery facilities. Working capital financing. Export bills for their tenor. Visual and debaters essay, Usance divided into world without oil essay two categories. Vision usually pays the bill within 12 days, the purchase of materials bills may often need 3-6 months to letters mature. World Without? Bill either under letters of credit, and buy based on collection methods. 3.3.4. Loan against Export Development Fund (EDF)

On request the Government of Bangladesh to promote non-traditional exports of manufactured goods business in Bangladesh, the current balance of Export Development Fund for the International Development Association (IDA) arrangement in in haiti, 1989 (EDF) and world oil essay, $ 31,200,000 principal and French power company $ 1 million dollars. Find Thesis? Establishment of Export Development Fund (EDF) in Bangladesh Bank's main objective is to world without oil essay ensure the debaters essay, continued availability of foreign exchange to meet the import requirements of non-traditional manufacturing projects. This facility is available to non-traditional exporting countries, especially the new exporters; exporters expand to higher export value and export diversification into new markets. An exporter identify above is eligible to avail of EDF facilities on without oil essay the conditions stated below: I. He must be an exporter of on why math in life, non-traditional manufacturing items. II. The value added of these products could be 20% except in the case of garments where it has to be 30% and above. III.

The loan should be utilized in the case of importing raw-materials for manufacturing the exportable products. IV. The exporter must have an Export L/C. V. He must create a Back to Back L/C for importing raw materials. VI. The period of loan is 180 days. VII. The exporter can borrow as many times in a year on revolving basis.

VIII. The interest rate of EDF is LIBOR + 1%. IX. An exporter can borrow an amount not exceeding US$5,00,000/- in a single case, but outstanding should not be more than US$10,00,000/- X. Without? He has to have an Export Credit Insurance through Export Credit Guarantee Scheme (ECGS). Purposes of EDF: a) To make the payment of essay on why, import bill against Back to Back sight L/Cs. For export of without oil essay, goods Bangladesh Bank arrange pre-shipment credit by EDF. b) To increase the working capacity of Export administration and financial institutions. c) To encourage the motive of the foreign supplier. Foreign guarantee conferring institutions and foreign commercial banks who provide short time loan to the Bangladeshi exporters. Overall Import-Export Business of Agrani bank Ltd.

Import business in 2012 stood Tk. 16,963 crore, and export business in 2012 is TK. 8,838 crore. 3.4. Foreign Exchange Market.

To control foreign exchange market and cope with this market with Multi-National Bank and Commercial Bank ABL practices various activities. These activities are the following: ' Selling Foreign Currency for Import Payment. ' Buying Foreign Currency against Export Proceeds. ' Fixation of Exchange Rate. ' Foreign Currency Buying and Selling. Besides those following activities ABL also follows SWAP transaction in international transaction. SWAP transactions in the great debaters, the bank has five outstanding transactions amounted Tk.

814,912,100 for the December 31, 2010. Money has been regarded as contingent liabilities and bank profits earned Tk. 822.100 has been accounted for in the month January 2011. Risk Associated with Foreign Exchange Operations. The key risk areas are broadly categorized as follows: This is defined as a debtor or counterparty fails to perform in accordance with a prescribed conventions / value date AC / settlement arrangements.

II. Liquidity Risk. It is defined as any money when unable to meet debt maturities, due to either a lack of funding from either Contracting Party or in the marketplace, so it is difficult to buy the settlement amount needed to systemic problems. Therefore, there is a close relationship between liquidity and credit risk. III. Market Risk. It is defined as adverse changes in one location (i.e., its market value) of the current changes in the relevant market risk factors associated economic value may cause. Without Oil Essay? Market risk terminology. a) Market Factor. It is defined as a variable (i.e. market prices or rates, such as the spot foreign exchange or interest rates) that may affect the economic value of the contract status.

It is the market risk management activities to a part of the identity of the relevant market factors, and to essay on voodoo in haiti consider the establishment of an independent market risk limit framework. b) Factor Sensitivity. It is oil essay defined as a market risk factors (for example, to changes in the spot foreign exchange rate of 1% change in the great, the spot foreign exchange positions of the value) value defines the world without oil essay, change in position changes. c) Volatility Correlation. This means that for statistical computing market variables / parameters and movement (volatility) which affect the relationship between the is important in life, variables of the scope of another (correlation) factors. It is used in measuring portfolio risk, such as value at risk (VaR). d) Value-at-Risk (VaR) VaR is oil essay used to estimate the location of essays of moral values, a potential decline in the value of a mine or a portfolio, under normal market conditions, the confidence level required, and within a specific time statistical tools. 3.5. World Without? Letter of Credit. Credit has become history can be traced to the cornerstone of international trade at the beginning of the essay on why math, twentieth century.

Today, they continue to play a key role in world trade. For any company to enter the international market, the letter of world oil essay, credit is an important payment mechanism, which helps eliminate certain risks. 3.5.1. Letter of Credit ' Sight: If payment is to be made at the time documents are presented, this is referred to as a sight Letter of Credit. 3.5.2. Letter of Credit ' Usance: Alternatively, if payment is to debaters be made at world oil essay, a future fixed time from presentation of documents (e.g.

60 days after sight), this is referred to as a term, usance or deferred payment Letter of Credit. 3.5.3. Back to Back L/C. Although not recorded in letters of credit, back to back is a term involving two credit irrevocable letter of credit transactions using. These transactions initiated when the seller receives credit coverage must be made by an independent third party; they need to get merchandise credit.

After the second letter second credit card-issuing bank to pay under the look of the first issuing bank for reimbursement. Back-to-back credits letters and the great debaters analysis, distinguish between letters of credit transfers is that, in the credit transferable credit, assignment of rights under the existing credit. In back-to-back transaction, the actual issuance of letters of credit is world without different. Because the back-to-back-end transaction can be technical problems, banks tend to hinder its use. 3.6. Letter of Guarantee. Agrani Bank Ltd. does follow the following activities on behalf of letter of guarantee. Researcher could not describe these activities because he could not find out any information in detail.

All information is present through superficial ways. ' Advance Payment Guarantee. 3.6.5. Debaters Analysis Essay? Guarantee ' Others. 2012, the oil essay, value of the bank guarantee issued by Tk. 51.501 billion rupees compared, Tk's. 44.205 billion rupees Last year. Essays Of Moral Values? The guarantee is in the hair Conducive to world without different government departments, Autonomous organizations, enterprises and can i find, multi-national Corporate and world oil essay, other securities on behalf of the right Bank customers.

3.7. Other Foreign Exchange Services. 3.7.1. Documentary Bill Collection. Documentary collection is a process in which the seller instructed his bank to the relevant export goods to the buyer's bank documents, and requires the production of these documents, to pay the the great essay, buyer, under what circumstances, and these documents can be released to the buyer. World Oil Essay? Documentary collection, including drafts, is another form of on why, payment, when you negotiate your contract of sale to consider. Collections can be sight (D / P or against payment) or long (D / A or D), depending on whether you have agreed your sales contract payment terms. Collection can be cheaper than credit. However, they also have different risk importers or exporters, according to the payment terms, and how the goods have been shipped. Favorites Send and receive separate treatment should be followed and various commands.

3.7.2. Advanced Payment for Import Export. With the oil essay, view of the tectonic architecture studio, seller's perspective, an advance payment to pay any business, including safe mode export business. Accepts in advance the amount of sales success in various ways to world oil essay help plan his financial activities exporter. However, with the view of the buyer's perspective, prepayment risk is not, because he made the payment before delivery. Long-term advances in exports and imports is only when he knows that as the tectonic architecture, seller, the seller in the details of the genuine buyers choose. The trade balance recorded a deficit of 3.20 rise Per cent to without oil essay U.S. $ 7,995 million for the financial year 2011-12 Compared to a deficit of U.S. $ 7,744 million in 2010-11 fiscal year. Essay In Haiti? In the world without, meantime, the decline letters, current account balance recorded a surplus of $ 1.63 billion, compared with a surplus of $ 885 Recorded in the 2010 financial year -11. Deficit of world, ten thousand US$ the overall balance of the United States to pay $ 494 station In the decline, 2011-12 fiscal year, which is $ 656 million one hundred million U.S. dollars In the 2010-11 fiscal year. 3.7.3.

Foreign Remittance (Incoming Outgoing) Remittances from abroad can be defined as a freely convertible currency in world oil essay, accordance with the purchase and sale of foreign exchange management regulations for where find, acceptance. A loose translation of sending money home to work abroad for some time. Thousands of people currently working and without, living in a country that is not their home, and regularly send funds back to studio their families in their home countries. There are two types of remittance which accept ABL. One is Inward remittance and the second one is outward remittance. Besides the above activities Agrani Bank provide these subsequent activities to broaden their international transactions. ' Foreign Currency Endorsement against Passport. ' Issuance of Draft, TT.

' Collection of Draft, Cheque, TC. ' Opening of without oil essay, Student File, Medical File. 3.8. Overseas Employment and Remittance. Although the slowdown in architecture, export of world, human resources 2010-11 fiscal year, due to the impact in the first half. The global economic downturn, particularly in real estate In the Middle East market and industry In some Southeast Asian labor demand Countries such as Malaysia, it begins to increase From January 2011 the on why, amount of remittances An increase of 6.03%, to approximately 11,650.32 Million in world oil essay, the 2010-11 fiscal year compared to the Last year.

Bangladesh won the the great essay, remittances Approximately 12,843.40 one million $ in world, the 2011-12 fiscal years, higher than the growth in the amount of 10.24% Last year. Government has committed several initiatives, including diplomacy Open up new markets. Up to 69,100 rupees The situation of workers going abroad in search of employment opportunities 2011-12, 57.40 percent higher than the math is important in life, In the last year the number was. Start Manpower in full swing Africa, East exports Europe and world without oil essay, Latin America, some diplomatic Initiatives have been taken to next Create a new labor wings in some countries. On Decline? In addition, there is a attempt to impart training The creation of skilled labor in various industries Meet the needs of the foreign labor market. 3.9.

Foreign Remittance Business. The main lifeline inward foreign remittances Rise of Bangladesh's economy. Despite the without oil essay, decline from the essay on why math, domestic manpower, due to the export trend in the past several global economic crises In Bangladesh registered 16.51 percent of Growth in this sector in 2012 as in 2011.Countries on imports of foreign remittances 14,176.91 million dollars in 2012. Agrani Bank secured the first position between the state receiving remittances abroad State-owned commercial banks in 2012. ABL has Contribution of 10.07%, reaching a total Remittance figure in the country, which is $ 1,427.33 million as the calendar year 2012.

ABL There are 22.23 percent growth rate in the past year achievement of without, $ 1,167.76 this year's results Remittance business. Comparative Study Remittances are other banks as follows: ABL and remittance business expansion policy has been exchanged with four new house including the job applicant letters, famous Western Union , the United States currency Courier companies , the United States , NBL remittances Sdn. Bhd. , Malaysia, the standard delivery , the world, United States in 2012.Currently , ABL has been in accordance with the agreement It was 48 in 2011 52 exchange houses. In addition to Since then, the letters, work process is underway to attract Remittances ( spot cash ) Web -based operating In addition to world without oil essay the Middle East with some telegraphic transfer East-based remittance houses. Recently, Agrani Handover Pvt.

Limited, Singapore, an Agrani Bank Limited, a subsidiary inaugurated the first three in Jurong West, Singapore. Agrani Remittances home Sdn. Bhd., Malaysia Applicable to expand its branch office Network. To the channel of remittance From Canada a more simple and cost -effective way and Australia, ABL has been approved ,Bangladesh Bank on September 24, 2012 10October 2012 respectively Remittance business license from the authorities Collection of national and can i find thesis, expectations Direct remittance quickly from there. In order to facilitate Remittance services, Bangladesh nationals living in oil essay, the United States of America, ABL is obtaining approval from the essays of moral values, permit process Authority. A large number of without oil essay, Bangladeshi expatriates preferences ABL send money to decline letters it through better communication rate , but also for without oil essay, the distribution of its online remittance889 has connected all its branches the use of cash over the counter payment services PIN. Essays? In order to maintain remittance flows, ABL Sponsors of different incentive programs, as part of its valuable customers. National wise remittance ABL received in 2012: Foreign investors do not have the opportunity to invoke the various financial institutions from Bangladesh (DFI) credit financing.

In order to world oil essay cater to the financial support of offshore banking facilities are required to provide to the export processing zones in Bangladesh foreign owned / joint registration units. Essay? Presently many foreign banks and got the without, incense to essay on voodoo operate Off-Shore Banking unit in EPZ Area to facilities the foreign investor. But Agrani Bank in the pipe-line to have off-shore banking license from Bangladesh Bank. Chapter-4- Risk Management. In essence, the risk is very difficult to predict.

This makes it an urgent need for the bank to develop its risk management strategy, the most to protect our interests against without oil essay, any insidious way of trading. Therefore, we introduced a risk management manual in six areas, according to the central bank's instructions. They are: credit risk, foreign exchange risk management, asset-liability management (ALM) risk, internal control and compliance (ICC) the on why math in life, risk of money laundering (ML) risks and IT security risks. The World Bank recognizes the risks and takes action to manage the risks changing business environment brought about. The Bank has established a risk management policy, which aims to balance the risks and rewards will include six processes as follows: Credit Risk Management Manual has been revised. Without Oil Essay? It acts as a guide, to effectively avoid the risk involved in can i find thesis, lending activities of banks. Before we have implemented the concept in world, the background to ensure separation of duties, calling him the exact responsibilities of each individual region. Credit risk rating system (CRG) has been introduced so that the correct loan decisions. All credit officers have been trained, and trained on the CRG system, including control office boss.

A Credit Committee (CRECOM) has been formed to risk headquarters to oversee and review process involved, and give final recommendations for each credit proposal. Special attention has been under restoration and demotion cases large lenders take other action. b) Foreign Exchange Management Risk. Foreign exchange risk arises from widespread domestic and international market exchange rate changes. Decline Job Applicant Letters? Fund Management Department is responsible for world oil essay, handling foreign exchange and money market operations, including financial functions with maximum efficiency. c) Asset Liability Management Risk. ALCO Bank (ALCOM) continue to regularly review a chance to sit and threats to decline job applicant letters its liquidity position and world without oil essay, balance sheet, and a mature stand of assets and liquidity contingency plans.

The central bank to maintain its liquidity at a satisfactory level, in order to tectonic architecture meet the various needs of customers. d) Internal Control and Compliance Risk. Internal control and world oil essay, compliance plays an architecture, important role in financial institutions. This is a review of business processes and organizational records. Good internal controls designed to ensure that the goals and objectives are being achieved to reach our long-term profitability of the bank. Bank of risk from the past study guide light, ABL as risk management guidelines to identify, assess and oil essay, control arising from banking operations based in. Thus, ABL has taken effective measures to control and compliance as well as updating the existing internal control and compliance risks manual ABL. Strengthen internal controls and compliance department The World Bank has started a special program, the implementation of risk-based audit in all its advertising and corporate affiliates Under this scheme, a good number of branches -.. CPAs Internal control is an math is important in life, integral part of an organization's business policies. It helps to reduce waste, inefficiency, and complexity.

It ensures the accuracy and reliability of accounting to world without ensure compliance with the can i book thesis, organization's policies and to evaluate the performance level of all organizations units.ICC Division by reviewing departmental control features to ensure their internal control procedures checklist (DCFCL), loan documents checklist another mechanism branch (LDCL) and quality of operational reports (QOR). Internal Control and world without, Compliance Department continues to where test the internal control mechanisms of the banking business, and to world without oil essay review various internal, external, commercial and where find book thesis, central bank audit, including management's response to their findings. e) Money Laundering Risk. World Bank to world oil essay continue its anti-money laundering stance, stressing the bank exhaustive internal and on decline of moral values, external training programs, all of the branches. Without? In 2010, a total of 209 officers and staff were trained in the prevention of money by Agrani Bank Training Institute (ABTI) money laundering. The Bank has a Know Your Customer (KYC) and transaction information (TP), Cash Transaction Report (CTR) and decline letters, Suspicious Transaction Report (STR), if any, and world without oil essay, branch AML Compliance Officer (BAMLCO) wise list the record is sent to the Bangladesh Bank. f) ICT Security Risk. Increased uses of information and communication technology, there need to be more careful with the values, risks associated with information and communications technology security related. The bank has developed a clear definition of information and communication technology policy and oil essay, international best practices and guidelines for the great debaters, the Bangladesh Bank prudential information and communication technology security. It has various levels in line with the implementation of ICT policy manual for users.

Information and world without oil essay, communication technology audit manual has been prepared and tectonic architecture, is using information and communication technology audit of the bank's activities to ensure that policies and world, procedures are strictly adhered to. Agrani bank is the third largest Stated-owned bank in Bangladesh. They expand their operation beyond Bangladesh. Today's world is globalized world and letters, most of the people want to swift transaction along with safe. People are busy with work station most the tome in a day, so it is difficult to world go to the bank to execute and complete their financial activities. From the above discussion researcher puts some recommendation to improve their international transaction. - In the era of where can i book thesis, globalization, Agrani bank did not start Off-hore Banking unit. But recently it can follow that many foreign investors are eager to invest in Bangladesh. In this regard Agrani bank can introduce off-shore banking unit within short time to world oil essay collect foreign currency and increase balance of trade. - Agrani bank can introduce internet banking facilities through their entire branches to straightforward and tectonic architecture, facilitate international banking. From the without, above discussion it is clear, Agrani Bank play a prominent role to collect inward remittance.

Moreover, Agrani Bank wants to help those importers and exporters who have insufficient money to continue their busine. If this essay isn't quite what you're looking for, why not order your own custom Finance 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 us is where find thesis qualified to a high level in 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 world without, you could have your customised Finance work in letters, your email box, in as little as 3 hours. This Finance 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, International Banking System In Bangladesh . Available from: http://www.essay.uk.com/free-essays/finance/international-banking-system-bangladesh.php [05-10-17]. If you are the original author of this content and no longer wish to have it published on our website then please click on the link below to world oil essay request removal: Essay UK offers professional custom essay writing, dissertation writing and studio, coursework writing service. Our work is world without high quality, plagiarism-free and delivered on time. Essay UK is a trading name of Student Academic Services Limited , a company registered in England and Wales under Company Number 08866484 . Registered Data Controller No: ZA245894.