The Right Approach to Writing a College Essay About Beauty

The Right Approach to Writing a College Essay About BeautyMany people are turning to Ivy College, after being unsuccessful in their regular English college essays about beauty. Ivy College offers students from all over the world, a different perspective in how to write a college essay about beauty.You see, many students are struggling to write an essay that will show their classmates their passion for this topic, since it's an interesting topic, that most people never discuss in school. At other times, they feel like it's very difficult to write an essay about beauty, since it's an intensely personal subject. Thus, they choose to either drop out of school or give up altogether.As you read my first paragraph, you may be thinking to yourself, 'My friend is failing her essay on beauty. Why don't you help her?' Indeed, here are a few tips that can help you.First, determine which writing styles are best for your essay. Some people get intimidated when it comes to essay writing. So when I say 'writing styles', I mean how you choose to go about outlining your essay.To start with, if you prefer to outline to a written book, then do it this way. Start with a picture. Maybe you remember that beachside resort where you were so beautiful you cried tears of laughter. That's a good place to start.After that, write the 'whole' of your essay, which is the essay you actually want to finish writing. I strongly recommend that you write the essay in a specific order, so you can ensure that the important parts are mentioned first, and the less important parts will come later.Since this is a topic that interests you, decide what subject matter you want to cover. I know this is controversial, but in order to make sure that you have a solid topic, you want to narrow down the topic. Just ask yourself, 'What do I want to talk about?If you feel like you cannot write a college essay about beauty, I urge you to give Ivy College, a different perspective. Give Ivy College your best shot, and your essay will be a success.

Co-Operative Banks in India Essay Example

Co-Operative Banks in India Essay A co-operative bank is a financial entity which belongs to its members, who are at the same time the owners and the customers of their bank. Co-operative banks are often created by persons belonging to the same local or professional community or sharing a common interest. Co-operative banks generally provide their members with a wide range of banking and financial services (loans, deposits, banking accounts†¦). Co-operative banks differ from stockholder banks by their organization, their goals, their values and their governance. In most countries, they are supervised and controlled by banking authorities and have to respect prudential banking regulations, which put them at a level playing field with stockholder banks. Depending on countries, this control and supervision can be implemented directly by state entities or delegated to a co-operative federation or central body. All the cooperative banks share common features : †¢ Customer-owned entities: In a co-operative bank, the needs of the customers eet the needs of the owners, as co-operative bank members are both. As a consequence, the first aim of a co-operative bank is not to maximise profit but to provide the best possible products and services to its members. Some co-operative banks only operate with their members but most of them also admit non-member clients to benefit from their banking and financial services. We will write a custom essay sample on Co-Operative Banks in India specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Co-Operative Banks in India specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Co-Operative Banks in India specifically for you FOR ONLY $16.38 $13.9/page Hire Writer †¢ Democratic member control: Co-operative banks are owned and controlled by their members, who democratically elect the board of directors. Members usually have equal voting rights, according to the co-operative principle of â€Å"one person, one vote†. Profit allocation: In a co-operative bank, a significant part of the yearly profit, benefits or surplus is usually allocated to constitute reserves. A part of this profit can also be distributed to the co-operative members, with legal or statutory limitations in most cases. Profit is usually allocated to members either through a patronage dividend, which is related to the use of the co-operative’s products and services by each member, or through an interest or a dividend, which is related to the number of shares subscribed by each member. HISTORY The Bank was formed in 1872 as the Loan and Deposit Department of Manchesters Co-operative Wholesale Society, becoming the CWS Bank four years later. However, the bank did not become a registered company until 1971. In 1975, the bank became the first new member of the Committee of London Clearing Banks for 40 years, and thus able to issue its own cheques. Since 1974 the Co-operative Bank has consistently offered free banking for personal customers who remain in credit. It was also the first Clearing Bank to offer an interest bearing cheque account called Cheque Save, in 1982. In 1991 the Bank shook the credit card market when it introduced a guaranteed free for life Gold Visa card. The Co-operative banks in INDIA have a history of almost 100 years. The Co-operative banks are an important constituent of the Indian Financial System, judging by the role assigned to them, the expectations they are supposed to fulfil, their number, and the number of offices they operate. The co-operative movement originated in the West, but the importance that such banks have assumed in India is rarely paralleled anywhere else in the world. Their role in rural financing continues to be important even today, and their business in the urban areas also has increased phenomenally in recent years mainly due to the sharp increase in the number of primary co-operative banks. Co operative Banks in India are registered under the Co-operative Societies Act. The cooperative bank is also regulated by the RBI. They are governed by the Banking Regulations Act 1949 and Banking Laws (Co-operative Societies) Act, 1965. Establishment of Cooperative Banks in India INTRODUCTION Co-operative banks Co-operative movement is quite well established in India. The first legislation on co-operation was passed in 1904. In 1914 the Maclagen committee envisaged a three tier structure for co-operative banking viz. Primary Agricultural Credit Societies (PACs) at the grass root level, Central Co-operative Banks at the district level and State Co-operative Banks at state level or Apex Level. The first urban co-operative bank in India was formed nearly 100 years back in Baroda. The co-operative banks arrived in India in the beginning of 20th Century as an official effort to create a new type of institution based on the principles of co-operative organisation and management, suitable for problems peculiar to Indian conditions. These banks were conceived as substitutes for money lenders, to provide timely and adequate short-term and long-term institutional credit at reasonable rates of interest. In the formative stage Co-operative Banks were Urban Co-operative Societies run on community basis and their lending activities were restricted to meeting the credit requirements of their members. The concept of Urban Co-operative Bank was first spelt out by Mehta Bhansali Committee in 1939 which defined on Urban Co-operative Bank. Provisions of Section 5 (CCV) of Banking Regulation Act, 1949 (as applicable to Co-operative Societies) defined an Urban Co-operative Bank as a Primary Co-operative Bank other than a Primary Co-operative Society was made applicable in 1966. Cooperative banking  is retail and commercial banking organized on a  cooperative  basis. Cooperative  banking institutions  take deposits and lend money in most parts of the world. Cooperative banking (for the purposes of this article), includes retail banking, as carried out by credit unions, mutual savings and loan associations, building societies and cooperatives, as well as commercial banking services provided by mutual organizations (such as cooperative federations) to cooperative businesses. The Co-operative banks has a history of almost 100 years. The Co-operative banks are an important constituent of the Indian Financial System, judging by the role assigned to them, the expectations they are supposed to fulfil, their number, and the number of offices they operate. The co-operative movement originated in the West, but the importance that such banks have assumed in India is rarely paralleled anywhere else in the world. Their role in rural financing continues to be important even today, and their business in the urban areas also has increased phenomenally in recent years mainly due to the sharp increase in the number of primary co-operative banks. While the co-operative banks in rural areas mainly finance agricultural based activities including farming, cattle, milk, hatchery, personal finance etc. long with some small scale industries and self-employment driven activities, the co-operative banks in urban areas mainly finance various categories of people for self-employment, industries, small scale units, home finance, consumer finance, personal finance, etc. Some of the co-operative banks are quite forward looking and have developed sufficient core competencies to challenge state and private sector banks. According to NAFCUB the total deposits lendings of Co-operative Banks is much more than Old Private Sector Banks also the New Private Sector Banks. This exponential growth of Co-operative Banks is attributed mainly to their much better local reach, personal interaction with customers, their ability to catch the nerve of the local clientele. Though registered under the Co-operative Societies Act of the Respective States (where formed originally) the banking related activities of the co-operative banks are also regulated by the Reserve Bank of India. They are governed by the Banking Regulations Act 1949 and Banking Laws (Co-operative Societies) Act, 1965. Definition of a cooperative bank (Source  : ICBA, International Cooperative Banks Association) A co-operative bank is a financial entity which belongs to its members, who are at the same time the owners and the customers of their bank. Co-operative banks are often created by persons belonging to the same local or professional community or sharing a common interest. Co-operative banks generally provide their members with a wide range of banking and financial services (loans, deposits, banking accounts†¦). Co-operative banks differ from stockholder banks by their organization, their goals, their values and their governance. In most countries, they are supervised and controlled by banking authorities and have to respect prudential banking regulations, which put them at a level playing field with stockholder banks. Depending on countries, this control and supervision can be implemented directly by state entities or delegated to a co-operative federation or central body. Even if their organizational rules can vary according to their respective national legislations, co-operative banks share common features: †¢ Customer-owned entities  : in a co-operative bank, the needs of the customers meet the needs of the owners, as co-operative bank members are both. As a consequence, the first aim of a co-operative bank is not to maximise profit but to provide the best possible products and services to its members. Some co-operative banks only operate with their members but most of them also admit non-member clients to benefit from their banking and financial services. †¢ Democratic member control  : co-operative banks are owned and controlled by their members, who democratically elect the board of directors. Members usually have equal voting rights, according to the co-operative principle of â€Å"one person, one vote†. Profit allocation  : in a co-operative bank, a significant part of the yearly profit, benefits or surplus is usually allocated to constitute reserves. A part of this profit can also be distributed to the co-operative members, with legal or statutory limitations in most cases. Profit is usually allocated to members either through a patronage dividend, which is related to the use of the co-operative’s produc ts and services by each member, or through an interest or a dividend, which is related to the number of shares subscribed by each member. Co-operative banks are deeply rooted inside local areas and communities. They are involved in local development and contribute to the sustainable development of their communities, as their members and management board usually belong to the communities in which they exercise their activities. By increasing banking access in areas or markets where other banks are less present – SMEs, farmers in rural areas, middle or low income households in urban areas co-operative banks reduce banking exclusion and foster the economic ability of millions of people. They play an influential role on the economic growth in the countries in which they work in and increase the efficiency of the international financial system. Their specific form of enterprise, relying on the above-mentioned principles of organization, has proven successful both in developed and developing countries. Larger institutions are often called  cooperative banks. Some of these banks are tightly integrated federations of credit unions, though those member credit unions may not subscribe to all nine of the strict principles of the  World Council of Credit Unions  (WOCCU). Like credit unions, cooperative banks are owned by their customers and follow the  cooperative principle  of one person, one vote. Unlike credit unions, however, cooperative banks are often regulated under both banking and cooperative legislation. They provide services such as savings and loans to non-members as well as to members, and some participate in the wholesale markets for bonds, money and even equities. [2]Many cooperative banks are traded on public  stock markets, with the result that they are partly owned by non-members. Member control is diluted by these outside stakes, so they may be regarded as semi-cooperative. Cooperative banking systems are also usually more integrated than credit union systems. Local branches of cooperative banks elect their own boards of directors and manage their own operations, but most strategic decisions require approval from a central office. Credit unions usually retain strategic decision-making at a local level, though they share back-office functions, such as access to the global payments system, by federating. Some cooperative banks are criticized for dilution of cooperative principles. Principles 2-4 of the  Statement on the Co-operative Identity  can be interpreted to require that members must control both the governance systems and capital of their cooperatives. A cooperative bank that raises capital on public stock markets creates a second class of shareholders who compete with the members for control. In some circumstances, the members may lose control. This effectively means that the bank ceases to be a cooperative. Accepting deposits from non-members may also lead to a dilution of member control. MAIN FUNCTIONS OF COOPERATIVE BANKS 1. Co-operative Banks are organised and managed on the principal of co-operation, self-help, and mutual help. They function with the rule of one member, one vote function on no profit, no loss basis. Co-operative banks, as a principle, do not pursue the goal of profit maximisation. Co-operative bank performs all the main banking functions of deposit mobilisation, supply of credit and provision of remittance facilities. Co-operative Banks provide limited banking products and are functionally specialists in agriculture related products. However, co-operative banks now provide housing loans also. UCBs provide working capital loans and term loan as well. 2. Co-operative bank do banking business mainly in the agriculture and rural sector. However, UCBs, SCBs, and CCBs operate in semi urban, urban, and metropolitan areas also. The urban and non-agricultural business of these banks has grown over the years. The co-operative banks demonstrate a shift from rural to urban, while the commercial banks, from urban to rural. Co-operative Banks belong to the money market as well as to the capital market. Primary agricultural credit societies provide short term and medium term loans. 3. Cooperative banks in India finance rural areas under:  ·Farming  ·Cattle  ·Milk  ·Hatchery  ·Personal finance 4. Cooperative banks in India finance urban areas under:  ·Self-employment  ·Industries  ·Small scale units  ·Home finance  ·Consumer finance  ·Personal finance Co-operative Banks Types: There are two types of co-operative banks in INDIA. 1. The first is the short term lending oriented Co-operative Banks. In this category there are again three sub categories of banks which are the State Co-operative banks, District Co-operative banks and the Primary Agricultural Co-operative societies. 2. The second is the long term lending oriented Co-operative banks. In this second category there are land developments banks which are at three levels. First is the state level, the second is district level, and the third is the village level. Again the Co-operative banking structure in India is divided into five main categories and these categories are: 1. Primary Urban Co-operative Banks. . Primary Agricultural Credit Societies. 3. District Central Co-operative Banks. 4. State Co-operative Banks. 5. Land Development Banks. It is very much clear that co-operative banks have very much importance in national development. Without the help of co-operative banks, millions of people in INDIA would be lacking the much needed financial support. CLASSIFICATION OF COOPERATIVE BANKS Some co-operative banks are s cheduled banks, while others are non-scheduled banks. For instance, SCBs and some UCBs are scheduled banks but other co-operative banks are non-scheduled banks. At present, 28 SCBs and 11 UCBs with Demand and Time Liabilities over Rs 50 crore each included in the Second Schedule of the Reserve Bank of India Act. Co-operative Banks are subject to CRR and liquidity requirements as other scheduled and non-scheduled banks are. However, their requirements are less than commercial banks. |Sr. No. |Category of bank |Minimum SLR holding in Government and other approved securities as percentage of Net Demand | | | |and Time Liabilities (NDTL) | |1. Scheduled banks |25% | |2. |Non-Scheduled banks | | | |a) with NDTL of Rs. 25 crore | | | |above   | | | |b) with NDTL of less than Rs. 5 |15% | | |crore | | | | | | | | |10% | Recent Developments Over the years, primary (urban) cooperative banks have registered a significant growth in number, size and volume of business handled.

Example of Descriptive Writing Essay Combining Two Movies in One

Example of Descriptive Writing Essay Combining Two Movies in OneThe example of descriptive writing essay combining two movies in one is to use the two films to suggest a common theme, a theme that could be explored by the student. The idea behind this type of essay is to find a way to combine the two films to create an overarching theme.The first step in the combination is to choose a film that would have stood out among the others. A film with some unique and meaningful themes will show up more in the essay, but if you are unsure what a common theme can be for the film, you can search the movie listings on a search engine for a wider selection. Of course, choosing a different film can also lead to more ideas, so you may want to try both.To start the essay, you should include a brief summary of each film, but don't give all the information. It is often better to provide only enough information for your reader to understand the film and then leave it up to your readers to figure out t he rest. You don't want to overwhelm them with too much information.Next, consider how the films are related. Could the students pick out a shared theme between the two films and draw their own conclusions?Next, consider how each film is structured and composed. Again, your students will often have the most success if they are able to do this based on each film's structure. You can ask them to spend some time thinking about which movie is more likely to be discussed and how it differs from the other.As a last step, you should explore common themes between the two films. Identify a popular, yet hidden part of each film, and go there. This may seem like a distant memory, but you should remember that often one film can tell several stories.The easiest way to achieve this common theme is to use character. Most people are able to identify a character from one film by simply watching the other. Tell a brief story about the character in each film, then connect these stories to tell the ove rall story.Once you have taken these basic steps, the work becomes much easier. Try an example of descriptive writing essay combining two movies in one, and see what you learn. The next time you're preparing a paper, consider using this approach.

The Ways That Fear and Anger Run in the Cather Family

The Ways That Fear and Anger Run in the Cather FamilyOne of the topics I will cover in my Crete in the Rye Essay topics will be the way that anger and fear run in the Cather family. We all know that Robert Cather was a very angry man but did you know that he also had some very troubling fears?For instance, one of his biggest fears was that he would become crazy and that his children would soon follow suit. He knew that his children might, one day, try to commit suicide or hurt themselves, but he did not know when it would occur.So Robert Cather was very afraid that they would do these things, but he did not understand that his children were terrified of him. In fact, Robert Cather himself believed that his children wanted to be around him, not to leave him. When it came to the writing of the essay topic, Cather realized that the longer the fear and anger went on the more difficult it would be to write.He had just about given up hope of ever getting the essay written, so when his fath er called him and said, 'Father, Robert wants to talk to you about this essay,' he realized that he could not give up. His father said, 'Robert, Robert wants to tell you something.' Robert agreed and told his father that he was afraid that he might kill his children.His father responded by telling Robert that he would never kill his children. This made Robert Cather very upset and he quickly hung up the phone. Robert Cather then spent the rest of the day trying to figure out how he was going to get rid of his fear and anger.This experience led Robert Cather to write the essay 'On Unquiet Imagination,' which included the following sentence: 'So my fear and my anger put me in a lonely state of mind. But I am not alone. There is the least moment of peace. There is the least shade of comfort. And in that moment, I would rather be alone than share that part of me with anybody else.'In this essay, Cather describes the feeling of being in a place where he could take all of his stress and f ind peace with himself. This is exactly what I experienced in my Crete in the Rye essay topics. We all know that the hardest part is getting past the fears and insecurities, but once those are gone, you can move on to getting your fears under control and then moving on.The worst part of having article topics in your hand is that the longer the time it takes to write, the harder it is to actually finish. Make sure that your essay topics are shorter because there is only so much that you can write before you can't.

John Muir Would Have Approved Of Some Environmental Science Essay Topics

John Muir Would Have Approved Of Some Environmental Science Essay TopicsIn general, John Muir would have been quite pleased with his recent experience with Environmental Science essay topics, as well as the essay topics that come from university writing programs. In particular, he would have been happy about the choice of the essay topics that have been provided by a university writing program.Many universities have created innovative essay topics that are appropriate for environmental science courses. These topics include 'The Spirit of American Industry.' It can be interesting to read what John Muir would have written if he had written this topic in his essay topics for his classes. His points about the future of the United States are quite relevant and interesting.John Muir would have also liked to see the most recent topics, 'Emerging Technologies and Science of Natural Resources,' and 'Nature and Society.' His main point would have been that the two topics would have challenged students in their choices of careers and also about our planet's future. He would have emphasized that humans should consider protecting our natural resources before they are depleted, especially by developing alternative methods to extracting energy.John Muir would have also loved 'The Ecological Processes' essay topic, which he would have liked to see that was available as an elective at the University of Montana. The topic discusses the ecological process and how we make our living in today's world.Another nice essay topic for environmental science would be 'Ecology of a Citizen.' This essay explores the relationship between science and society and how it affects our environment.For John Muir, environmental science and engineering are important subject areas that demand a lot of attention. It is important to see all these essays because they can add a very interesting and useful educational experience for students who choose to enter college or university and are considering thes e subjects.John Muir would have appreciated that students will be exposed to diverse cultural views about the world, as well as the environment. It is very important for students to learn about other points of view regarding various topics. This can make them more knowledgeable about various issues that affect our world.