Financial Institutions Essay Example for Free

Financial Institutions Essay The best financial institution for the high debt and high income professionals looking to obtain insurance and investment advice and services is a financial planning services company such as Ameriprise Financial. Financial planning looks at life events and life goals such as retirement and estate planning and offers advice and provides products to help meet those goals. Many financial planning services companies also offer loans and deposit banking accounts. Generally one representative who is licensed to sell insurance, investments, and loans will work with this couple throughout their relationship with the company. The representative’s goal is to periodically review changes in life events and modify the couple’s insurance and investment portfolio to meet their changing goals and objectives. For this couple, the representative may suggest a product that combines insurance and investment such as an annuity or universal life insurance. The couple can establish a relationship with a financial services firm in a local branch or through an interactive website maintained by the company. In some cases the bank that they are already established with may have a financial planning division that they can access in the local branch or through the bank website. Scenario B The best financial institution for a student looking to establish a checking or saving account, establish credit, and develop a relationship with a financial institution should consider a credit union. A credit union is similar to a bank in that it offers deposit accounts and loan programs, but differs from banks in that credit unions are non-profit organizations that are owned and operated by members as opposed to being owned by stockholders and operated by executive boards. Credit unions generally offer higher interest rates on savings accounts, lower fees on checking accounts, and lower interest rates on loans and credit cards. Credit union membership is generally tied to an organization such as a labor union, many large corporations have employee credit unions, some churches or communities have credit unions for members. This student can establish a credit union relationship through parents or may become employed in a local business that offers credit union membership as an employee benefit. Organizations like the Credit Union National Association provides resources and information for consumers. Scenario C The best financial institution for a small business owner who needs multiple deposit and checking accounts, investment services, and access to branches in other cities should consider a national bank such as Bank of America that has branches nationwide as well as online account access. Bank of America, and similar national banks, offer online payroll processing, credit card processing for retailers, and provide businesses with the option of importing bank statement information into popular accounting software formats such as Quicken, QuickBooks, and Microsoft Money. National banks have departments dedicated to small business lending and offer various types of Small Business Administration (SBA) loans. They also have services to meet the needs of specialty industries including financing and leasing partnerships with auto dealers. The business owner can establish a relationship with a banking professional at a local branch or can establish accounts online. National banks generally have extensive, interactive websites which provide information and guidance on establishing the business banking relationship. References Ameriprise Financial. Financial planning advice and financial advisors. Retrieved March 11, 2009, from http://www. ameriprise. com/default-home . asp Bank of America. Small business loans, payroll services other small business services. Retrieved March 11, 2009, from https://www. bankofamerica. com/smallbus iness/index. jsp Credit Union National Association, Consumer Info. Americas credit unions: where people are worth more than money. Retrieved March 11, 2009, from http://www. creditunion. coop/what_is_a_ cu. html

Epic of Gilgamesh and Book of Genesis of the Holy Bible Essay -- Epic

Epic of Gilgamesh and the Book of Genesis    History tells us that since we have been able to write, our human race has had the habit of recording historical tales, or stories.   Most of the first stories were tales of heroic men, scouring their land in search of some noble prize.   These stories are known as epics, and they give us an excellent idea of the lifestyles and basic thought processes of early humans.   Along the lines of these epics are the accounts told in the Bible, especially those in the Old Testament.   As with the epics, these legends give us some spiritual idea of the beginning of time and the accounts of early man.   If we compare the stories and characters of the first epic, The Epic of Gilgamesh, with those of the first chapter of the Bible, Genesis, we not only discover some striking similarities, but also some notable differences.      Ã‚  Ã‚  Ã‚  Ã‚   If there is one thing that all early accounts revolve around, that is the idea of a divine being or, in other words, god.   Early humans were extremely religious, holding the belief that their very lives were in the hands of their god.   This holds true for both the people of biblical times as well as those of the epic era.   However, even as both groups believed in a supreme being, they harbored different feelings and beliefs about the subject.   In the epic, many gods are mentioned and worshiped, such as Ninsun and Shamash.   These gods can give birth to mortals, and can communicate with these mortals, usually through dreams.   In Genesis, there is mention of only one God, a being that created the earth and skies, as well as huma... ...nces; in the Bible it rained for forty days, and in the epic only seven.   In Genesis, Adam and Eve try to become god-like by eating the forbidden fruit.   In the epic, Gilgamesh attempts to be a god by gaining everlasting life.   In both cases, neither succeed.      Ã‚  Ã‚  Ã‚  Ã‚   The Epic of Gilgamesh and the Book of Genesis are two of the earliest accounts of human civilization.   In their own way, they set an example of how the population of the past lived.   They also set guidelines for the way that we could live our lives.   By reading of the commitment that Abraham made and the mistakes that Gilgamesh and Adam made, we can shape our own lives.   Through the differences and similarities, both accounts hold as much value for the people of today as they did for the people who wrote them.

Power and Communication Essay

Language discrimination has been prevalent in society for thousands of years. This has been something that happens in every civilization and will not stop now. Language discrimination is unfair treatment of an individual by the way that they compose themselves in a verbal matter. What I mean by this is to treat someone unjust because of factors such as accents, vocabulary size, or just that they speak a different language. This happens a lot to tourists who don’t know how to speak proper English in the United States. I have lived in the United States my whole life and I have witnessed multiple accounts of this. There are multiple situations in which language discrimination occurs. Situations include work, school, vacation spots, and in the general public. The workplace is supposed to be free of any type of discrimination but it is not. People are discriminated against if they speak different or even remotely act differently than what we experience inside the walls of our community. School kids are picked on by other kids if they are a different nationality, this being because they speak different languages and are trying to learn the English language. Tourists on vacation trying to enjoy their stay are constantly pressed with the fact that next to nobody around them knows their native language providing a barrier of communication. The general public tends to look down on a person if they have a speech impediment or an accent even if they are still natives of the United States. They are made to look like tourists in a nation of their own. Some examples of language discrimination I have observed come mainly within my own community. I have witnessed people from work picking on other individuals because they are a different nationality such as Hispanic. Some Hispanics are American-Hispanic being born in the United States. They are typically not discriminated against like the full blood Hispanics are. This  is because they have not grown up in such a culture before and are trying to adapt. The same thing would happen to me if I was traveling to a different country. I would be looked at as an outsider as soon as I open my mouth. There are many identity labels that contribute to discrimination. Labels such as â€Å"Working class† or â€Å"Black† are just a few of them. These are a form of discrimination in themself. Labels are a way to identify someone in the wrong way. They may be â€Å"working class† but may not want to be considered as that. They may want to be known as â€Å"rich† or â€Å"powerful†. Or may find it an insult because they have to work to make a living. â€Å"Black† is also a common term used to identify some African-Americans. This is discrimination because one individual is not better than the next. This may be degrading to anyone who is classified under any sort of label. I do not believe that discrimination in communication is ethical because I feel as if it is a nonverbal or verbal form of abuse. It can be degrading at times and can cause a person to be uncomfortable in their own community. Regardless if I agree with discrimination or not, it will still continue to happen even long after I’m gone.

Play Therapy Is The Child s Mode Of Communication

Play in therapy is the child s mode of communication, for sharing his world, his inner thoughts and feelings, and the meanings that he makes of his experience of his world(Cochran, Nordling, Cochran, 2010, p. 4). Play therapy is all about the child. The counselor working with these children in play therapy have to understand how important it is to do their best to keep these sessions as child-centered as possible. This is the child s opportunity to explore themselves and have the freedom to do so. This environment lets the children feel empowered. In play therapy, it is important they feel self-determined and have control. They also need to express their self-expression through play. Through this, they can express any emotion. Children do not always get the freedom to express themselves freely and this is the one place where they are allowed to do so. Many children from all different backgrounds attend play therapy. There are so many situations that children tend to go thr ough and experience which leads them to going to therapy. One of these situations would be trauma. There are many different ways that children can experience trauma. Some of these include domestic violence, medical trauma, neglect, physical abuse, sexual abuse, traumatic grief, and school violence(http://www.nctsn.org/trauma-types). A professional that works with a child that has been involved in some sort of trauma needs to know what to do with that client. They need the competency toShow MoreRelatedEssay on Childhood Apraxia of Speech1600 Words   |  7 Pagesit is not a disorder that children simply ‘outgrow’† (â€Å"Causes and Numbers,† 2011). With most disorders related to speech development, the child learns everything in the same order as others, just slightly slower than their peers. 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