Cultural Communication and Intercultural Contact MyAssignmenthelp

Question: Discuss about the Cultural Communication and Intercultural Contact System. Answer: Introduction Whether an individual notices or not, at some stage of their life, they negotiate, and this makes every person a negotiator. Negotiation can be stated as an obvious aspect of the life of every individual, whether the same is about negotiating with different consumers, so that they can attain the services or products being offered, or negotiating the rent of an apartment, negotiation is such an aspect, which is commonly found in the daily lives of people (Salacuse, 2013, p. 3). And whilst the same is present at such a common level, its significance can be noticed when the Management negotiations are carried on at crucial levels, for instance, a negotiation between a member of the United States with that of a member of United Nations, for an adoption or any other aspect of the guidelines provided by the United Nation. An effective negotiation can make the entire case, and an ineffective one, can ruin the entire matter (Benoliel, 2014, p. 197). Lewicki et al (2011) stated that negotiation cannot be deemed as a process which is simply reserved for the ardent advocate for an organized lobby, skilled diplomat or top salesperson. Instead, he stated that negotiation is something, which is carried on in a daily manner by everyone. However, this statement raises a question on whether the negotiation skills are same at each and every place? Or whether with the level of sophistication or the intricacy of matter, the negotiations change? In the following parts, a discussion has been carried on to critically evaluate this very statement made by Lewicki. This has been done to establish, that even though, every aspect of life is covered with negotiations, the level of negotiation skills are changed with the circumstances of a particular case. However, before the same can be done, the very basic meaning of negotiation has been clarified. What is Negotiation? Negotiation can be defined as such a process whereby two or more than two parties communicate with each other, where each of the parties has their own goal. These communications present the respective perspective of each party and depict their interests. And ultimately, through compromises and concessions, an agreement is reached between the parties and a decision is made. This entire process is known as negotiation (Chaturvedi, 2011, p. 200). So, under negotiations, an agreement is attained which best suits the aims and objectives of both the parties, where both the parties lose some points and gain some, in a mutually beneficial way. It can also be stated as a manner of reaching a solution to the problem between two or more disputants (Dwyer, 2012, p. 83). And until the dispute remains unresolved, the negotiation process cannot come to an end. The process of negotiation can better be explained with the help of an example. Suppose two individual want to have the container full of rare and precious mangos for themselves, but they do not want to use the method of violence to reach a decision. In such situation, these two individuals would open up a communications channel between them and reach the terms which best suit them. This could be a 50-50 distribution of the mangos, or any other arrangement, which they both agree upon in a mutually non-violent manner. So, negotiations are the more civilized manner of resolving a matter. By adopting this process the common interest of the parties are achieved in the most fruitful manner. And as the interests are mutually decided upon, long term relationships are attained through effective negotiation process. Negotiations not only help in resolving an issue, but also in reaching a beneficial agreement without the presence of a dispute (Fells, 2009, p. 4). There are four kinds of negotiations and it is essential to determine the suitable form of negotiation, as each of them requires a different strategy. Descriptive Negotiation- this form of negotiation is also known as Management competitive or claiming value approach, which states that one party can win at the expense of the other party. The significant concern related to this approach is that both the parties aim at maximizing their respective interests. This form of approach requires a person to obtain advantage through concealing information or by using manipulative and misleading conduct to obtain information regarding the concealed information. The negotiator must influence the beliefs of the other person and obtain information about the person. Lose-lose Approach- this negotiation approach is adopted when one of the partners believe that his own interests are threatened, he ensures that the consequence of the negotiation is not suitable to the other party as well. Therefore, in this approach, both the parties end up as losers at the end of negotiation. Hence, it is the most undesirable negotiation approach. Compromise Approach- This form of approach aims at improving the outcome of the lose-lose strategy. This form requires both the parties to compromise and convince each other and settle down for a common solution that would enable both the parties to achieve their own respective interests or objectives. Integrative Approach- this form of approach is also called creative value or collaborative approach and is deemed superior to all other forms of negotiation approaches. This approach makes both the parties believe that they are capable of attaining their respective interests. The major concern of this approach is to maximize joint outcomes and the most appropriate strategies include cooperation, sharing information and mutual problem-solving objectives. This negotiation approach is the most desirable approach. Stages of Negotiations Broadly, there are four phases of negotiations, i.e., the pre-negotiations phase, conceptualization, settling the details, and finally, the follow up. For the pre-negotiations stage a degree of preparation is needed before the negotiations actually begin. In this, the reasons for negotiating are determined firstly and then the specifics of the matter on which negotiations have to take place are decided. At this stage, as much as is possible, the information is collected and on the basis of this information, a picture is painted for the contentions which can be made by the other side, so that their goals, needs and motivations can be assessed. The next stage in the negotiation process relates to the conceptualization, where the foundation of the agreement is developed so that the issues are framed in a manner that even the most intricate details are considered. At this stage, the goals and objectives of each of the phase is defined through fact finding (Negotiations, 2017). Once these two stages have been effectively undertaken, the next step in the negotiation process is to set out the details. This is the stage where the agreement is completed and in this stage, the details of venture are completed. The problems which can be faced in the partnership, on the basis of reality are discussed so that the agreement can be workable, and viable. This is not easy as it sounds as the setting of details in a correct and meticulous manner is crucial. Often the negotiations collapse due to the failure of the parties in devoting the time and efforts in chalking out the details in an effective manner. The last stage is the follow up stage, where the problems are identified and at times, the contract is re-negotiated. Just signing of dotted line is not sufficient to finish negotiations, and a careful analysis of adherence to each and every aspect is crucial. Only when all these steps are properly undertaken, can a negotiation process end (Crump, 2007). Linkage Theory and Negotiations As per Crump (2007), linkage theory can be defined as the manner in which the negotiations influence or the manner in which determines the outcome or the process of the other. This theory helps in gaining an effective insight over the relationship between the negotiation, and the pertinent environment. A single negotiation has the power of different outcomes and for these outcomes, a number of different explanations can be provided, depending upon the variables. The environment in which the negotiations take place plays a key role in the process of negotiations. The environmental factors have the power of advancing, halting, supporting and even suspending the negotiations. And this relationship between the environment and the negotiations outcome is explained through the linkage theory (Maggi, 2016). Negotiations are quite hard to start, and even more difficult to maintain, as well as, conclude. Hence, linking the process of negotiations to something with momentum is of high importance and is a technique that has utility. For understanding the relationship between the particular negotiation and its relevant environment, the negotiation linkage process to be a useful conceptual tool. The EU-Mercosure or the NAFTA negotiations did not take place on their own and they did not initiate the EU-Chile and US-Chile negotiations on their own too, respectively. However, each one of them played a crucial role in this process (Devereaux, Lawrence and Watkins, 2006). State of affairs can be designed or may evolve in particular environment, which results in creating of an action, which forces events like the deadlines (Watkins, 1998). However, the state of affairs also has the power of obstructing the negotiations process, through the issue linkage (Tollison and Willett, 1979). Hence, linkages can be deemed as the most effective in initiating and finishing the stages of negotiations. This is because this is the place where the opportunities are created initially, and are secured finally. Though, the linkage challenges and opportunities can be observed throughout the process of negotiations. BATNA refers to Best Alternative To a Management Negotiated Agreement, which was a term given in 1981 by Roger Fisher and William Ury, in their bestseller book. BATNAs are considered as critical tool for negotiation as it is believed that a wise decision with regards to a negotiation agreement cannot be made till such time, when the people involved in the negotiations are aware about the possible alternatives (Spangler, 2012). BATNA reveals such an alternative course of action which is the most advantageous for a party, in case where an agreement cannot be reached or where the negotiations fail. A successful negotiator knows that they are the driving force behind their success. BATNAs allow the parties to avoid such agreements which are worse for them, where these alternatives are available. However, it becomes crucial to make certain that the deal has been valued in a proper manner, after considering all the facts like toe likelihood of other party to undertake their side of bargain , and the value of relationship and time (Brett, 2007). Instead of viewing these as a safety net, the negotiators view BATNA as a point of leverage in the negotiations. For BATNA to be adopted, it has to be actionable and real, and due to the lack of these being actionable in reality, the parties often do not invest in BATNA. A successful negotiator needs to be aware about the manner in which BATNA has to be used, along with the techniques which could give best results under this. So, on one hand the soft style may be used for avoiding the conflict or for compromising, and on the other hand, an aggressive and threatening technique representing a hard negotiation style can be adopted (Barsky, 2017). Three suggestive had been given by the authors in their bestselling book to denote the manner in which BATNA could be accomplished. The first one was related to the invention of a list of actions, which could be taken by an individual, in case an agreement is not attained. The second one was related to the conversion of promising ideas into partial or tangible alternatives. And the last suggestion was related to the selection of the best sounding alternative. The culture also plays a significant role in the negotiation process and under BATNA, which has been discussed in the upcoming section. Negotiation Skills: Same Everywhere? The statement made by Lewicki et al (2011) denoted the presence of negotiations at every stage of life. And this is very true, as demonstrated from the examples put forward earlier. However, the negotiations skills are changed widely due to the scenario in which they take place, or the level of the matter for which they are used. In the international business, negotiations are a common parlance. The parties who are involved in negotiations have to face a lot of difficulties in attaining the desired outcome. One of the problems which crops up while the negotiations are carried on international level relates to the difference in cultural backgrounds (Chang, 2006). Culture is a set of values and beliefs. And this forms the basis for the perceptions, behavior, expectations, assumptions and the values in the people (Javidan and House, (2001). By effectively perceiving these differences, based on the particular cases, the negotiators can effectively close a deal. When the international business takes place, the culture of the different nations, acts as a contributory factor in the intricacies of negotiation process. The representatives of international business closely analyze the properties, differences and the traditions which are followed in the nations, with which they prepare to form business transactions or partnerships (Peleckis, 2013). For this purpose the analysis of cultural dimensions, the cultural differences proves very helpful as it helps in conveying the critical incompatibilities which are present amongst the parties. And in this regard, the Hofstede's cultural dimensions analysis is used as it helps in designing the international business negotiation process as the same conveys the difference between the various dimensions in a culture of the negotiating parties (Hofstede, Hofstede and Minkov, 2010). At the international level, the negotiations are faced with a range of differences in the cultures, the power placement, and the emotional differences between the parties, a long-term attitude towards communications, and the various other uncertainties (Peleckis, 2013). The intercultural differences dimensions have the power of influencing the negotiation process amongst the different cultures representatives. There can be a presence of different understanding to the actions or symbols in different cultures. Hence, it becomes crucial to initiate the business negotiations at the international level when all the requisites have been gathered and properly acquainted with the cultural features. In case, such is not possible, a mediator, who is an expert in the culture of a particular nation, could be taken help of (Peleckis, 2013). For instance, the swastika sign is considered as a sign of religion in India and the same is also a symbol used by the Nazi Party (Voorst, 2014, p. 66; Issitt and Main, 2014). So, if this symbol is criticized in front of a Hindu, them the same could prove fatal for the negotiations taking place in front of a Hindu in India. And the same may prove as helpful in case of dealings with a German national. The case study which was carried out between one global Dutch company and two of its local subsidiaries located in Korea and Japan revealed the complexity of the negotiations between the subsidiaries and their head office. In this case, the barrier of culture was coupled with the lack of cultural awareness. And along with these issues, the influencers between the two parties, the organization, the relationship and the atmosphere also contributed towards the complexities in negotiations. The last part affirms the role of linkage theory in negotiations (Fjellstrm, 2005). In this study, it was held that the culture was of utmost important for the cross Management cultural negotiation with the head office of the subsidiary. And this very cultural gap reaffirms the need of negotiations. These negotiations help the parties in understanding the manner in which they communicate and ultimately understand each other. It was also held that the organization also had the power to influence the negotiations. The culture of the organization was deemed as important for the subsidiaries in other nations, so that they could strive and work for the same organization as their main drive. But, the difficulty in attaining a strong organizational culture, which is over the national culture, remains a barrier (Fjellstrm, 2005). The international business relationships success is dependent upon the effective business negotiations. And this is the reason why the negotiators have to be properly prepared. By understanding the manner in which the desired outcomes can be attained, along with the factors which are relevant to this entire process, helps the negotiator in being more successful. The negotiation process and the outcomes, as are perceived by the International and Thai business negotiations, with regards to the cross-cultural international business negations were analyzed through a study conducted in Thailand. A questionnaire was used in this regard, which focused upon the positive retrospective negotiations experience and this was sent across too the executives who were working in Thailand (Numprasertchai and Swierczek, 2006). The result of this questionnaire highlighted the significance of the successful cross-cultural negotiators in the performance, as well as in the future-oriented prospects. This study also highlighted that protocol and tactics do not have much emphasis in successful experiences. Instead, the relationship orientation and information focus act as the key factors in defining the success in both the international and the Thai negotiators. It was also established in this study that the emphasis over the specific time orientation is significantly more for the international business negotiators in comparison to the Thai counterparts (Numprasertchai and Swierczek, 2006). The emphasis of culture can most commonly be noticed in the Chinese reference. For a negotiation to be successful in China, the same has to be conducted in a manner which can be deemed as acceptable in China and to the Chinese people. For doing this, a successful negotiator needs to know the ways to influence the side of Chinese and the awareness regarding their cultural dynamics. The European negotiators are required to have the awareness regarding the prevalent negotiation characteristics of patience, Guanxi network, ambiguity, status, friendship, trust and face. This is crucial for avoiding the misunderstandings or tensions, which can otherwise be brought forward while dealing with the people of the nation (Woo and Prud'homme, 1999). The negotiations in China are never an easy task. The people departing for China, especially the European business people, are most commonly advised that they need to be polite as the Chinese people value good relationships and harmony. Even though these warnings are given, when these individuals reach China, and initiate the negotiations, they have to face the fierce adversarial bargaining, which lacks the politeness, as well as, the considerations which the European negotiators expected (Blackman, 1997). Further, it is often noted that the Chinese negotiators are not only shrewd but also experienced in the art of effectively using the timing and of psychology (Gordon, 1986). This highlights the success on part of the Chinese negotiators and the lack of experience on part of the too cautious European business negotiators. It has been argued that it is crucial to have a relationship between cultural knowledge and the communication skills (McCall and Warrington, 1989). Though, negotiations are not merely a sole skill or a combination of skills. Broadly, negotiation is such a process which occurs in a specific context. For instance, a negotiator, in every scenario needs to have good communication skills, along with the knowledge of stating their points with precision; this is a common skill. However, when negotiations are done with Chinese people, their perception of justice, their customs and their philosophy is to be kept in mind while negotiating; and this brings forward a specific skill set (Wong-Scollon, and Scollon, 1990). Conclusion Negotiations are a manner of resolving the conflicts which take place between two or more parties and is even helpful in cases where a matter has to be decided upon, in absence of a dispute. From the above discussion, it can be concluded that for the success of negotiations process, merely the knowledge of business is not sufficient and instead, a good grasp over the difference in cultural backgrounds of the individual has to be understood. BATNA is one of the alternatives which can be used as an alternative to the negotiations; though, a lot of skill is needed to undertake this technique. The linkage theory proves as helpful in cases of negotiations as it helps in understanding the impact of the environment or the atmosphere over the negotiations. This theory helps in ascertaining the challenges and opportunities which a negotiator has in a particular scenario, which allows the negotiators to make the most of it. The discussion also highlighted the manner in which the cross cultural differences play a major role in negotiations process. The example of the Chinese negotiators has highlighted the reason for their success; they have formed a perception of being polite and harmony. To conclude, even though negotiations are present in every sphere of life, in the international business context, they become very complex and definitely are not the same everywhere. References Anglin, A. (2014) Happy Birthday, Adolf. Daily Stormer. [Online] Available from: https://www.dailystormer.com/happy-birthday-adolf/ [Accessed on: 17/05/17] Barsky, A.E. (2017) Conflict Resolution for the Helping Professions: Negotiation, Mediation, Advocacy, Facilitation, and Restorative Justice. 3rd ed. Oxford: Oxford University Press. Benoliel, M. (2014) Negotiation Excellence: Successful Deal Making. 2nd ed. Singapore: World Scientific Publishing Co Pte Ltd. Blackman, C. (1997) Negotiating China: Case Studies and Strategies. St Leonards: Allen Unwin Pty Ltd. Brett, J.M. (2007) Negotiating Globally: How to Negotiate Deals, Resolve Disputes, and Make Decisions Across Cultural Boundaries. 2nd ed. San Francisco: John Wiley Sons. Chang, L.C. (2006) Differences in Business Negotiations between Different Cultures. The Journal of Human Resource and Adult Learning, 2(2), pp. 135-140. Chaturvedi, P.D. (2011) Business Communication: Concepts, Cases, and Applications. 2nd ed. New Delhi: Pearson. Crump, L. (2007) A temporal model of negotiation linkage dynamics. Negotiation Journal, 23 (2), pp. 117-153. Devereaux, C., Lawrence R.Z., and Watkins M.D. (2006) Case Studies in US Trade Negotiation: Making the Rules. Washington, DC: Institute for International Economics. Dwyer, J. (2012) Communication for Business and the Professions: Strategies and Skills. 5th ed. NSW: Pearson Australia. Fells, R. (2009) Effective Negotiation: From Research to Results. Victoria: Cambridge University Press. Fisher, D., and Ury, W. (2012) Getting to Yes: Negotiating an agreement without giving in. New York: Random House. Fjellstrm, D. (2005) International Business Negotiations: Factors that influence the negotiation in head office subsidiary relationship in Japan and Korea: A case study of Philips. Diva. [Online] Available from: https://www.diva-portal.org/smash/get/diva2:15960/fulltext01 [Accessed on: 17/05/17] Gordon, T.D. (1986) China. Hong Kong: Euromoney Publications. Hofstede, G., Hofstede, G.J., and Minkov, M. (2010) Cultures and Organizations: Software of the Mind. 3rd ed. USA: McGraw-Hill. Issitt, M.E., and Main, C. (2014) Hidden Religion: The Greatest Mysteries and Symbols of the World's Religious Beliefs: The Greatest Mysteries and Symbols of the Worlds Religious Beliefs. California: ABC-CLIO. Javidan, M., and House, R. J. (2001) Cultural acumen for the global manager: Lessons from Project GLOBE. Organizational Dynamics, 29(4), pp. 289305. Lewicki, R., Saunders, D. and Barry, B. (2011) Essentials of Negotiation. 5th ed. London: McGraw Hill. Maggi, G. (2016) Issue Linkage. Yale University. [Online] Available from: https://economics.yale.edu/sites/default/files/files/Faculty/Maggi/IssueLinkageDraft_041216.pdf [Accessed on: 17/05/17] McCall, J. and Warrington, M. (1989) Marketing by Agreement: A Cross-cultural Approach to Business Negotiations. 2nd ed. Chichester: Avon Wiley. Negotiations. (2017) The Four Phases of The Negotiation Process. Negotiations. [Online] Available from: https://www.negotiations.com/articles/negotiating-phases/ [Accessed on: 01/06/17] Numprasertchai, H.P., and Swierczek, F.W. (2006) Dimensions of Success in International Business Negotiations: A Comparative Study of Thai and International Business Negotiators. Journal of Intercultural Communication. 11. Available from: https://www.immi.se/intercultural/nr11/numprasertchai.htm Peleckis, K. (2013) International Business Negotiations: Culture, Dimensions, Context. International Journal of Business, Humanities and Technology, 3(7), pp. 91- 99. Salacuse, J. (2013) Negotiating Life: Secrets for Everyday Diplomacy and Deal Making. New York: Plagrave Macmillan. Spangler, B. (2012) Best Alternative to a Negotiated Agreement (BATNA). Beyond Intractability. [Online] Available from: https://www.beyondintractability.org/essay/batna [Accessed on: 01/06/17] Tollison, R.D., and Willett, T.D. (1979) An economic theory of mutually advantageous issue linkages in international negotiations. International Organization, 33 (4), pp. 425-449. Voorst, R.E.V. (2014) RELG: World. 2nd ed. Stamford, CT: Cengage Learning. Watkins, M. (1998) Building momentum in negotiations: Time-related costs and action forcing events. Negotiation Journal, 14 (3), pp. 241-256. Wong-Scollon, S. and Scollon, R. (1990) ``Athabaskan-English interactive communication'', in Carbaugh, D. (Ed.) Cultural Communication and Intercultural Contact. Hillsdale, NJ: Erlbaum Associates. Woo, H.S., and Prud'homme, C. (1999) Cultural characteristic prevalent in the Chinese negotiation process. European Business Review, 99(5), pp. 313-322.

Requiem for a Dream free essay sample

It’s not happening, and if it were to be happening it would be alright † Sara Goldfarb in the opening scene of Requiem For a Dream (Aronofsky). â€Å"Sara Goldfarb is a lonely widow who is revitalized by the prospect of appearing on television as a game show contestant, while her son Harry, his girlfriend Marion, and his friend Tyrone have devised an illicit shortcut to wealth and ease. Lulled by early successes, Sara, Harry, Marion and Tyrone convince themselves that unforeseen setbacks are only temporary. They ignore their deteriorating circumstances and focus all their energies on realizing their beautiful visions of the future. Even as the promise of fulfillment disappears to nothingness, they cling to the delusions that are slowly destroying their lives, denying reality until at last they are eye to eye with their worst nightmares(Requiem For A Dream (2000)). † This was an excerpt from IMDB. com’s description of Darren Aronofsky’s film Requiem For A Dream. We will write a custom essay sample on Requiem for a Dream or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page There were four people in the story that had serious emotional issues from earlier years in their life and serious illegal and prescription drug abuse, but I found the mother’s story, Sara, to be exceptionally interesting. She is a middle-aged mother who has been seriously affected by the passing of her late husband. Sara frequently spoke to him as if he was in the same room. I had â€Å"diagnosed† Sara with Post Traumatic Stress Disorder from the passing of her husband Seymore, and from having to raise a delinquent son. In our book, the authors classify Post Traumatic Stress Disorder as an anxiety disorder in the DSM-IV. It is an anxiety disorder because it has elements including generalized feelings of fear, and apprehension (Butcher, Mineka, and Hooley ). It also states that one of the major criteria for being diagnosed with PTSD is that the person has been exposed to a traumatic event in which: 1. ) the person experienced, witnessed or was confronted with an event or events that involved actual or threatened death or serious injury to the self or to others, or 2. The persons’ response involved intense fear, helplessness or horror (Butcher, Mineka, and Hooley ). The movie never went into detail on how the father died, but it was enough for Sara to somewhat ignore the fact that he was gone. In the movie, Sara gets a phone call from someone at her favorite television show’s company saying she had won a trip to be on the show to win a prize, and that they were sending her paperwork to fill out before hand. She goes through her closet and finds the dress she wore to her son’s graduation about five dress sizes ago when Seymore was still alive. Sara goes into complete obsession to try and lose enough weight to fit into the dress. While watching, I thought this was her way of escapism from being lonely; to drive to hard to lose weight to fit into the red dress and smile †It makes tomorrow alright,† she said. She eventually goes to a back alley â€Å"doctor† who prescribes her weight loss pills which turn out to be uppers and downers (speed and sleeping pills). To see immediate results Sara starts to mix and match numerous of the weight loss pills and starts going into hysterics. For example while being high on her pills, she starts to see herself on that tv show, the fridge holding the food she cannot eat starts to jump towards her, and sees projections of herself and the show host in her living room hackling her about how pathetic she is for trying to lose weight and how poor she is. When the scene pans out, you can see that the tv had been off the whole time and she was playing this all in her head. Eventually, she does lose weight enough to wear the dress and makes her way to the tv station. Since she was so out of her mind from the medicine the police came and took her to the hospital where they performed an EKG on her three times and moved her to the psych ward. She kept telling the nurses that she was ready to be on the show and that Seymore and her son Harry would be so proud of her and that she loved them very much. Even to the very end when she is left in the hospital because her son is stranded in Florida, the only thing that brought her happiness was thinking of being on her favorite television show and the â€Å"prize† she had been waiting for the whole time is seeing her successful son Harry. She tells him she loves him and he told her that he loved her back. The delusions she put herself into as a defense mechanism from the loss of her husband were those of grandeur. I was a bit confused on how the medicine she was prescribed could have affected her in such a permanent manner but what I’ve gathered from what I’ve learned in class was that the complete imbalance of the drugs she had been taking reacted negatively to each other in such a way as to poison the brain and her body. The medicine could have affected the brain enough to misfire on her conscious preventing reality to really sink into her. Since she was taking the medicine at such an emotionally unstable time in her life, that was where she was permanently stuck. I do believe that Sara Goldfarb did have PTSD from the loss of her husband but I also believe that the drugs she was taking to lose weight affected her brain balance in such a way to completely destroy her mental condition.

Sample of High School Parent Essay Catholic

Sample of High School Parent Essay CatholicThe sample of high school parent essay Catholic is a guide to writing well. Parents are always in search of ways to help their children prepare for life, especially college and the work force. In this age of great technology, more people use the Internet to research topics for their essays and personal statements.'Waldo,' by Lawrence Durrell, features a description of the difficulties of parenting a child on the cusp of adulthood, when he is still working to get his dad's road and living without a family. It offers many ideas for using the Internet to help write an essay that will be read and remembered. It encourages parents to learn to be creative and innovative and to work with a group to come up with solutions that will benefit their child.In our increasingly technological society, we are constantly exposed to materials that are designed to teach the skills of writing in many formats, including traditional education. Nevertheless, there is a growing tendency to be 'back to the basics' when it comes to the personal statement or essay, at least in high school. A parent can use the sample of high school parent essay Catholic to help them bring a new idea to the table when they are faced with a large project.Not only do parents have to deal with their children's increasing demands on their time, but with the increasing rate of computer technology. The advantage of 'doing it yourself' is that you can use software to help you complete your tasks and you don't have to go back to school to look for help. It gives you time to pursue other pursuits, like sports or schoolwork.When the samples of high school parent essay Catholic were written, a very common problem was problems with spelling. This was not unusual in the early 20th century, when the Internet was new and its spelling system unfamiliar. Most people still relied on the method of use that is still used today, which is to use an online spell checker, which is access ible on a PC or laptop. However, in today's world, it is easy to get online and find such a spell checker and to use it with just a few clicks.One of the most common ways to help with spelling is to use online periodicals or journals, which contain a word or phrase in a special font. This is where the 'online spell checker' comes in. Once you have learned to use the online spell checker, you can pick up a daily dose of tips and ideas for using it for spelling and for grammar as well.At this point, I would suggest that parents use these materials regularly, even though they are for the personal writing of their children, even if they start young. The parent can also use these materials to provide a basis for class discussions that might occur at times when the children need time out. There are many different approaches to preparing for writing and discussing essay topics in a classroom setting, but the method of using a sample of high school parent essay Catholic will be very familia r to many teachers.I strongly encourage parents to take advantage of this sample of high school parent essay Catholic to provide their children with the tools that they need to prepare for the future. They may not all have college scholarships, but parents who keep up to date with the current technology can help their children find ways to market themselves, use the Internet to work and help improve writing skills.

Interest-Free Banking and Islamic Banking in Nigeria free essay sample

Interest-free Banking and Islamic Banking in Nigeria By: Salim Salihu Muhammed Nigeria’s quest for a virile banking reform had led to the adoption of several policies and strategies that would truly give the nation’s economy an edge towards growth and sustainability. No doubt, the bail outs of â€Å"failed banks† and the acquisition of toxic assets from bad banks’ books did saved the economy and Nigerians to a large extent from such kind of economic blows suffered in the Scandinavian banking crises.Without minding words as a follow up to an earlier publication, Zero Interest Banking in Nigeria: Identifying a Sustainable Module, I still emphasis on the identification of an achievable element for an Interest-free Banking System as well as supporting it to its plausible fullest, rather than introducing religious sentiments or interest that could harm the Nigerian financial sector. Less I forget in a hurry, do the Nigeria’s economic policy fault finders understand what Interest-free Banking entails? It is true that the Central Bank of Nigeria (CBN) had emphasized on its readiness to establish or give licence to banks wishing to operate Interest-free Banking system (which is popularly known by many as Islamic Banking because of its tandem with Islamic jurisdictions and beliefs that prevent dealings in interest (Riba) or usury). We will write a custom essay sample on Interest-Free Banking and Islamic Banking in Nigeria or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page It is also true that the Apex Bank has the jurisdiction, as provided in its Act to allow such financial or banking practice; but what should not be seen as true is the perceivers’ believe that the CBN’s policy was meant to enforce Islam or Shari’ah on Nigerians or construed as a personal agenda of the Apex Bank’s Chief. For the avoidance of doubts, as it were with conventional commercial banks, Interest-free banking system has its inherent pros and cons which affects the Muslims and non-Muslims alike.A first glance of how Interest-free banking system operates could set a pace of reasonable understanding to its fault finders. The bank is operated by, and has Muslims and non-Muslims customers; its lending principle is based on the belief that the provider of capital and the user of capital should equally share the risk of business ventures. Translated into banking terms, the depositor, the bank and the borrower should all share the risks and the rewards of f inancing business ventures.However, Nigeria as well as any other country wishing to practice Interest-free banking system may design a module that fit its economy, so far that its applications does not go contrary to the Islamic jurisdictions of Riba or interest, the use of money and capital; and also, identify the key challenges facing the model such as the dearth of knowledge, skills and technical capacity to regulate, supervise, or operate non interest banks. Also, higher quality personnel with experience in project management and Islamic jurisprudence are required for financing and marketing activities.Interestingly, the flexible nature of Islamic finance provides enormous opportunities; it has positive and far-reaching impact for the Nigerian economy. The interest-free banking principle in Islam allows only one kind of loan and that is qard-el-hassan (literally good loan) whereby the lender does not charge any interest or additional amount over the money lent. In conventional terms, it means a bank will not change interest on loan or stipulate a certain amount to be paid back together with the loan given. What is more?The lender (the bank) also shares in the profits or losses arising out of the enterprise for which the money was lent. Islam encourages the economy of wealth redistribution; customers (Depositors) are thus encouraged to invest their money and to become partners in order to share profits and risks in the business instead o f becoming creditors. This is unlike the interest-based commercial banking system, where all the pressure is on the borrower: he must pay back his loan, with the agreed interest, regardless of the success or failure of his venture. The present day multi-rich Nigerians can hoard money, thereby limiting or eliminating the purchasing power of money. This practice have negatively marred the efforts at keeping inflation at bay, as this idle money are not utilized in economic events that could improve the country’s Gross Domestic Product (GDP) over time. Under the Islamic Banking system, human effort, initiative, and risk involved in a productive venture are more important than the money used to finance it. Customers are encouraged to purchase and are discouraged from keeping money idle so that, for instance, hoarding money is regarded as being unacceptable.This purchasing power (money) cannot be used to make more purchasing power (money) without undergoing the intermediate step of it being used for the purchase of goods and services. Although the system encourages customer to purchase, it also prohibits or discourage investment in practices and products that are considered forbidden. The Apex Bank could make policies for the financial system and operators, as much as it is provided by enabling laws, the country’s Constitution, the Bank and Other Financial Institutions Act (BOFIA) and other relevant financial laws. We must understand that the country’s Assembly need not pass a bill for the proposed banking system (Interest-free banking), which is a product of CBN, to take effect if the listed legal provisions and other careful indices are put in place to make the system meet the economic objective for which it is meant for. All that is needed is a careful and extensive capacity building through collaboration among various stakeholders to develop cognate expertise in non-interest banking, development of an adequate regulatory and supervisory framework for the effective operation of non-interest banking in Nigeria.As it stands, it is fair to say that Interest-free banking system and Islamic banking system refers to the same policy as they operates in line to the provisions and jurisdictions of the Islamic Shari’ah system; nevertheless, it does not connotes a means of enthroning control over the sovereignty of Nigeria but a mere banking policy aimed at salvaging the country’s financial system as seen to be practiced in the United Kingdom, America and parts of Europe. In many countries where series of financial crisis had led to the implementation of monetary and financial policies, the adoption of an Interest-free regime was considered.London is the leading Islamic banking centre in the West, HSBC, Lloyds TSB, and Citigroup have opened Islamic banking units and branches throughout England. Middle Eastern Islamic banks have also set up shop in the United Kingdom (UK). These banks also targeted non-Muslims with the message that their services are ethically superior to those of the West, pushing the idea that interest – and capitalism – is unethical and should be replaced in Europe by the Islamic financial model; patronage by non-Muslims have received a continuous increase in the UK. Wasn’t England the birthplace of the Industrial Revolution and creator of the common law, the most successful and equitable legal system in history? One thing I must emphasis here is, any bank, be it Islamic or conventional, risks running losses if it does not charge some form of interest; Islamic banks circumvent this danger by extending a type of Islamic â€Å"credit† that shifts risk to the borrower in a manner similar to interest. In the UK Islamic Banking model, the banks’ Shari’ah boards legitimate the charges by renaming them â€Å"commissions† or â€Å"profits. Some of us could be wondering why Islamic banks could remain profitable – or ideologically influential – if they complied with the Qur’anic injunction again interest. An Islamic bank is no different. It must partake in the money creation business. And it must therefore fix its financial rate of return at the outset in most of its business. Thats why Islamic bank ing cannot succeed in being Islamic, at least, not in the way that we understand the terms â€Å"banking† and â€Å"Islamic† today. Islamic finance is not a product to be offered to a niche market. It is a system. It must be promoted and implemented as a system as did the UK. Nigeria could buy from the West, especially with the United States’ strategy in understanding the system and how US Deputy Secretary of the Treasury Robert M. Kimmitt showed the world that the U. S. was interested in learning more about Islamic finance through holding an Islamic Finance 101 course in Washington to educate government officials on its ins and outs. Whatever the system that the Apex Bank deems fit to aid in strengthening the banking reforms, it is left for the customers and Nigerians to decide on which financial product to explore. As it stands today with Nigeria’s conventional banks increasing minimum cash balance in savings (deposit) accounts to N25,000. 00 and thereabout, the Islamic Banking could be a succour towards Sustaining Competition in Banking Reforms for a surviving economy whose average citizens earns far less than N18. 000. 00 per month. Salim Salihu Muhammed [emailprotected] com

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