Televisions Positive Effects On Society Essay -- essays research paper

Television's Positive Effects on Society   Ã‚  Ã‚  Ã‚  Ã‚  According to Marie Winn and her essay â€Å"The Plug-In Drug,† television has various negative effects on our society today. In her essay Winn explores the ways in which television has harmfully caused disruptions with the quality of family life, rituals, and values. She recognizes there is a problem with our society and the way in which it is consistently influenced by television. I am able to agree with Winn on this point, but I do not feel that the totality of the influence is negative. Television today has a lot of positive effects and influences on our society and our American culture. Television gives us helpful information, various forms of education, and entertainment which are all a part of the positive effects that television has on our society.   Ã‚  Ã‚  Ã‚  Ã‚  On a day to day basis, the television keeps us informed with plenty of helpful information. We are informed through the television of the latest news, weather, and information which are important in our daily lives. The television often acts as an almanac, dictionary, and an eye into the world around us. It informs us of the most recent happenings around the world within seconds. Such as the O.J. Simpson trial, the Oklahoma City bombing, and the wars taking place in the Middle East. Through TV we can be warned about almost anything from a hurricane approaching to the fact that the stock market is falling. Th...

Banks in the Philippines

————————————————- List of banks in the Philippines From Wikipedia, the free encyclopedia The  Philippines  has a comprehensive banking system encompassing various types of banks, from large  universal banks  to small  rural banks  and even  non-banks. As at 31 March 2011, there are 19 universal banks, 19  commercial banks, 73  thrift banks, 595 rural banks, 40  credit unions  and 15 non-banks with quasi-banking functions, all licensed with the  Bangko Sentral ng Pilipinas(Central Bank of the Philippines) under  Republic Act  No. 791, also known as the General Banking Act of 2000, share roughly the same powers. ————————————————- —————————————â€⠀Ã¢â‚¬â€Ã¢â‚¬â€- Powers of a universal bank A universal bank has the same powers as a commercial bank with the following additional powers: the powers of an  investment house  as provided in existing laws and the power to invest in non-allied enterprises. List of local universal banks Government-owned * Al-Amanah Islamic Investment Bank of the Philippines * Development Bank of the Philippines Land Bank of the Philippines [edit]Private-owned 1. Banco de Oro Universal Bank 2. Metropolitan Bank and Trust Company 3. Bank of the Philippine Islands 4. Philippine National Bank 5. Rizal Commercial Banking Corporation 6. UnionBank of the Philippines 7. China Banking Corporation 8. Citibank 9. East West Bank 10. Philippine Savings Bank 11. Philtrust Bank  (Philippine Trust Company) 12. Security Bank 13. United Coconut Planters Bank 14. Allied Bank Corporation ———————————————â€⠀- [edit]Powers of a commercial bankIn addition to having the powers of a thrift bank, a commercial bank has the power to accept drafts and issue  letters of credit; discount and negotiate  promissory notes, drafts,  bills of exchange, and other evidences of  debt; accept or create demand deposits; receive other types of deposits and deposit substitutes; buy and sell foreign exchange and  gold  or  silver  bullion; acquire marketable  bonds  and other debt securities; and extend credit. [edit]List of local commercial banks * Asia United Bank * Bank of Commerce * BDO Private Bank  (subsidiary of Banco de Oro) * Philippine Bank of Communications Philippine Veterans Bank * Robinsons Bank Corporation [edit]List of foreign banks with commercial banking operations [edit]Branches * Australia and New Zealand Banking Group * Bangkok Bank * Bank of America, N. A. * Bank of China * Chinatrust Commercial Bank * Citibank, N. A. * Deutsche Bank AG * Hongkong and Shanghai Ba nking Corporation * ING Group * JPMorgan Chase * Korea Exchange Bank * Mega International Commercial Bank * Mizuho Corporate Bank * Standard Chartered Bank * The Bank of Tokyo-Mitsubishi UFJ, Ltd. ————————————————- [edit]Thrift banks [edit]Powers of a thrift bankA thrift bank has the power to accept savings and time deposits, act as a correspondent with other financial institutions and as a collection agent for government entities, issue mortgages, engage in real estate transactions and extend credit. In addition, thrift banks may also maintain checking accounts, act as a depository for government entities and local government units and engage in quasi-banking and money market operations subject to the approval of the Bangko Sentral. As per the banker Amit Malhotra, the performance of thrift banks are underrated. [edit]List of local thrift banks [edit]Government-owned * Ph ilippine Postal Savings Bank edit]Privately owned * Accord Savings Bank * Allied Savings Bank  (subsidiary of Allied Bank) * Anchor Savings Bank * Area Development Bank * Asiatrust Development Bank * Bank of Calape * Bank of Cebu * BankOne Savings and Trust Corporation * Bankwise * Bataan Development Bank * Bataan Savings and Loan Bank * BPI Direct Savings Bank  (subsidiary of Bank of the Philippine Islands) * BPI Family Savings Bank  (subsidiary of Bank of the Philippine Islands) * Business and Consumers Bank * Century Savings Bank * Chinabank Savings  (formerly Manila Bank; subsidiary of Chinabank) * City Savings Bank * Citystate Savings Bank Cordillera Savings and Loan Bank * Dumaguete City Development Bank * Dungganon Bank * EIB Savings Bank  (subsidiary of Export and Industry Bank) * Equicom Savings Bank * Express Savings Bank * Farmers Savings and Loan Bank * First Consolidated Bank * GSIS Family Bank  (subsidiary of the  Government Service Insurance System) * Hi yas Bank * Iloilo City Development Bank * Inter-Asia Development Bank * ISLA Bank * Kauswagan Bank * Legazpi Savings Bank, Inc. * Lemery Savings and Loan Bank * Liberty Savings and Loan Association * Life Savings Bank * Luzon Development Bank * Malasiqui Progressive Savings and Loan Bank Malayan Bank * Metro Cebu Public Savings Bank * Micro Enterprise Bank * Microfinance Maximum Savings Bank, Inc. (MAXBANK) * Northpoint Development Bank * Opportunity Microfinance Bank * Optimum Development Bank * Pacific Ace Savings Bank * Palawan Development Bank * Pampanga Development Bank * Penafrancia Savings and Loan Association * Philam Savings Bank  (subsidiary of  Philam Life) * Philippine Business Bank * Philippine Savings Bank  (Metrobank Group) * Planters Development Bank * Premiere Development Bank  (to be acquired by Security Bank) * Progress Savings and Loan Association * Queen City Development Bank Quezon Coconut Producers Savings and Loan Bank * RCBC Savings Bank (subsidiary of Rizal Commercial Banking Corporation) * Robinsons Savings Bank  (subsidiary of  JG Summit Holdings) * Sampaguita Savings and Loan Association * San Pablo City Development Bank * Sandigan Savings Bank * Silangan Savings and Loan Bank * Sterling Bank of Asia * The Real Bank * Tower Development Bank * UCPB Savings Bank  (subsidiary of United Coconut Planters Bank) * University Savings and Loan Bank * Village Savings and Loan Association * Vizcaya Savings and Loan Association * Wealth Development Bank * Winbank * World Partners Bank edit]List of foreign banks with thrift banking operations * Citibank  (through Citibank Savings) * HSBC  (through HSBC Savings Bank) * United Overseas Bank ————————————————- [edit]Cooperative and rural banks Rural and cooperative banks are the more popular type of banks in the rural communities. Their role is to promote and expand the rural economy in an orderly and effective manner by providing the people in the rural communities with basic financial services. Rural and cooperative banks help farmers through the stages of production, from buying seedlings to marketing of their produce.Rural banks and cooperative banks are differentiated from each other by ownership. While rural banks are privately owned and managed, cooperative banks are organized/owned by cooperatives or federation of cooperatives. A rural bank has the power to provide adequate credit facilities to farmers and merchants or to cooperatives of such farmers and merchants and, in general, to the people of the rural communities of which the rural bank operates in. [edit]List of cooperative banks * Agusan del Norte Cooperative Bank * Bataan Cooperative Bank * Banco Cooperativa de Zamboanga * Camiguin Cooperative Bank * Capiz Settlers Cooperative Bank Cooperative Bank of Agusan del Sur * Cooperative Bank of Aklan * Cooperative Bank of Aurora * Coopera tive Bank of Benguet * Cooperative Bank of Bohol * Cooperative Bank of Bukidnon * Cooperative Bank of Bulacan * Cooperative Bank of Cagayan * Cooperative Bank of Camarines Norte * Cooperative Bank of Camarines Sur * Cooperative Bank of Cavite * Cooperative Bank of Cebu * Cooperative Bank of Davao del Sur * Cooperative Bank of Ilocos Norte * Cooperative Bank of Iloilo * Cooperative Bank of La Union * Cooperative Bank of Lanao del Norte * Cooperative Bank of Misamis Oriental * Cooperative Bank of Mountain Province Cooperative Bank of Negros Oriental * Cooperative Bank of Cotabato * Cooperative Bank of Nueva Ecija * Cooperative Bank of Palawan * Cooperative Bank of Pampanga * Cooperative Bank of Quezon Province * Cooperative Bank of Surigao del Sur * Cooperative Bank of Tarlac * Cooperative Bank of Zambales * Cooperative Bank of Zamboanga del Norte * Cooperative Bank of Zamboanga del Sur * Countryside Cooperative Bank of Batangas * First Isabela Cooperative Bank * Ilocos Sur Cooperativ e Bank * Leyte Cooperative Bank * Metro South Cooperative Bank * National Teachers and Employees Cooperative Bank * Occidental Mindoro Cooperative Bank Samahang Nayon Cooperative Bank of Nueva Vizcaya * Sorsogon Provincial Cooperative Bank * Southern Leyte Cooperative Bank [edit]List of rural banks [edit]Agusan del Norte * Green Bank [edit]Agusan del Sur * Peoples Bank of Caraga, Inc. [edit]Aklan * Rural Bank of Altavas * Rural Bank of Balete * Rural Bank of Banga (Aklan) * Rural Bank of Makato * Rural Bank of New Washington * Rural Bank of Malinao – Microsavers Bank [edit]Albay * Camalig Bank * Cagsawa Rural Bank * Ibalon Rural Bank * Rural Bank of Guinobatan [edit]Bataan * Balanga Rural Bank * Orani Rural Bank * Rural Bank of Abucay * Rural Bank of Bagac [edit]Batangas 5 Speed Rural Bank * Balayan Bay Rural Bank * Banco Batangan * Banco ng Masa * Bangko Kabayan * Batangas Rural Bank for Cooperatives * Bolbok Rural Bank * Calaca Rural Bank * Classic Rural Bank * Dynamic Bank * Empire Rural Bank * Excel Rural Bank * Farmers Rural Bank * First Coconut Rural Bank * Limcoma Rural Bank * Lipa Bank * Lipa Public Bank * Lobo Rural Bank * Malarayat Rural Bank * Mount Makiling Rural Bank * New Rural Bank of Agoncillo * President Jose P. Laurel Rural Bank * Progressive Rural Bank * Rural Bank of Alitagtag * Rural Bank of Padre Garcia * Sto Rosario Rural BAnk * Women's Rural Bank, Inc. [edit]Bohol First Consolidated Bank [edit]Biliran * Rural Bank of Naval, Inc. [edit]Benguet * Benguet Center Bank * Diamond Rural Bank * Highland Rural Bank * Rural Bank of Baguio [edit]Bukidnon * Malaybalay Rural Bank * Asian Hills Bank [edit]Bulacan * Agricom Rural Bank * Apex Rural Bank * Baliuag Rural Bank * Banco Rural de General Tinio * Bangko Luzon * Bangko Rural ng Kalumpit * Rural Bank of San Pascual inc. * Delmont Bank  (Rural bank of  San Jose del Monte City) * East Coast Rural Bank of Hagonoy * Emerald Rural Bank * Fil-Agro Rural Bank * Gateway Rural Bank * Meyacaua yan Second Rural Bank, Inc. * La Consolacion Rural Bank Rural Bank of Angat * Rural Bank of Dona Remedios Trinidad * Silahis Bank * Rural Bank of Bustos * Rural Bank of Pandi [edit]Cagayan * Providence Rural Bank * Rural Bank of Gattaran * Claveria Rural Bank * Rural Bank of Sanchez Mira [edit]Camarines Sur * Bangko Rural ng Magarao * Bangko Rural ng Pasacao * First Naga Rural Bank * G-7 Bank * Municipal Rural Bank of Libmanan * Municipal Rural Bank of Nabua * Penafrancia Rural Bank of Calabanga * Rural Bank of Sipocot * Rural Bank of Pamplona * Rural Bank of Minalabac * Rural Bank of San Fernando * Rural Bank of Cabusao * Rural Bank of San Jose * Rural Bank of Pili * Rural Bank of Milaor Rural Bank of Ragay * Rural Bank of Iriga [edit]Camiguin * Mambajao Community Rural Bank * Philippine Intercity Rural Bank [edit]Capiz * Farmer's Bank of Capiz * President Roxas Rural Bank, Inc. * Rural Bank of Mambusao, Inc. * Rural Bank of Panay, Inc. * Rural Bank of Dao, Inc. * Rural Bank of Pil ar, Inc. * Rural Bank of Pilar, Inc. , Roxas City Branch * Rural Bank of Ivisan, Inc. * Rural Bank of Cuartero, Inc. * Rural Bank of Jamindan, Inc. * Rural Bank of Sapian, Inc. [edit]Cavite * Advance Rural Bank * Bangko Mabuhay * Capitol City Rural Bank of Trece Martires * Cavite Rural Banking Corporation * Cebuana Lhuillier Rural Bank Central Equity Rural Bank * Community Bank * First Reliance Bank * GMA Rural Bank of Cavite * Imus Rural Bank * Masuerte Rural Bank of Bacoor * Rural Bank of Amadeo * Rural Bank of Magallanes * Rural Bank of Maragondon * Unlad Rural Bank of Noveleta, Inc. [edit]Cebu * Frontier Rural Bank * Aspac Rural Bank * Banco Maximo * Banco of East Asia * Banco Rural de Isla Cordova * Cardinal Rural Bank * Coastal Bank * Community Rural Bank of Catmon * Community Rural Bank of Medellin * First Agro Industrial Rural Bank * Frontier Rural Bank * Lapu Lapu Rural Bank * Mactan Rural Bank * Philippine Countryside Rural Bank * Pilipino Rural Bank Plaza Rural Bank * Upl and Rural Bank [edit]Compostela Valley * Rural Bank, Inc. * Money Mall Rural Bank * Rural Bank of Montevista(Davao), Inc * Rural Bank of Compostela(Davao), Inc * Rural Bank of Mawab [edit]Davao del Norte * First Tagum Rural Bank, Inc. * Century Rural Bank [edit]Davao del Sur * First Tagum Rural Bank, Inc. * Community Rural Bank of Magsaysay * One Network Bank * Rural Bank of Digos, Inc. [edit]Davao Oriental * First Tagum Rural Bank, Inc. * Rural Bank of Baganga [edit]Ifugao * Lagawe Highlands Rural Bank [edit]Ilocos Norte * Banco Dingras * Ilocandia Community Bank * Cooperative Bank of Ilocos Norte San Nicolas Cooperative Bank of Ilocos Norte-Laoag City * Cooperative Bank of Ilocos Norte-Batac City [edit]Ilocos Sur * Cordillera Bank * Vigan Banco Rural Incorporada * Rural Bank of Tagudin, Inc * Rural Bank of Cabugao, Inc. * Rural Bank of Sta. Maria, Inc * Sadiri Rural Bank, Inc. * Rural Bank of Magsingal, Inc. * Ilocos Sur Cooperative Bank [edit]Iloilo * Rural Bank of Guimbal (Iloil o) * Racso's Bank * Bangko Buena Consolidated * Rural Bank of Santa Barbara (Iloilo) * Community Rural Bank of San Joaquin * Farmers Trader Rural Bank * First Midland Rural Bank * Janiuay Rural Bank * LifeBank * Progressive Rural Bank * Rural Bank of Alimodian Rural Bank of Anilao * Rural Bank of Badiangan * Rural Bank of Leganes * Rural Bank of Oton [edit]Isabela * Banco Agricola * Golden Rural Bank of the Philippines * Mallig Plains Rural Bank * Philippine Rural Banking Corporation * Rural Bank of Alicia * Rural Bank of Angadanan * Rural Bank of Benito Soliven * Providence Rural Bank * Rural Bank of Magsaysay, Isa. Inc. * Rural Bank of Cauayan, Inc. [edit]Laguna * Rural Bank of Bay,Inc. * Binan Rural Bank * Card Rural Bank * De La O Rural Bank * Entrepreneur Rural Bank * First United Farmers Bank * Key Rural Bank * Ormon Bank * PlanBank Rural Bank of Canlubang Planters Provident Rural Bank of Santa Cruz * Rural Bank of Alaminos * Laguna Prestige Banking Corporation * Rural Bank of Lumban * Rural Bank of Mabitac, Inc. * Rural Bank of Nagcarlan * Rural Bank of Paete * Rural Bank of Pagsanjan * Rural Bank of Calauan * Rural Bank of Calamba * Malarayat Bank * Rural Bank Of Magdalena (Laguna) * CARD Bank [edit]Lanao del Sur * Bagong Bangko Rural ng Malabang * Maranao Rural Bank [edit]Leyte * First Interstate Bank * Rural Bank of Dulag * Rural Bank of Hindang * Rural Bank of Hilongos * Rural Bank of Bato * Rural Bank of Burauen * Rural Bank of Ormoc * Rural Bank of Naval, Carigara Branch edit]Southern Leyte * Rural Bank of Maasin * Rural Bank of Malitbog * Rural Bank of Padre Burgos * Rural Bank of Hinundayan * Rural Bank of San Juan [edit]Maguindanao * New Settlers Bank [edit]Metro Manila * AMA Bank * Baclaran Rural Bank * Banco de Jesus Rural Bank * Banco San Juan * Bangko Pasig * BMS Rural Bank * Builders Rural Bank * Country Rural Bank of Taguig * Enterprise Capital Rural Bank * Filipino Savers Bank * Finman Rural Bank * First Country Rural Bank * First Macro Bank * Insular Rural Bank * MVSM Bank (A Rural Bank Since 1953) * Rodriguez Rural Bank * Rural Bank of Alabang * Bank of Makati * Tambunting Bank edit]Misamis Occidental * Community Rural Bank of Clarin * First Community Cooperative Bank of Misamis Occidental * Panguil Bay Rural Bank of Ozamiz * Rural Bank of Bonifacio * Rural Bank of Tudela * Bank of Misamis. The merging of Rural Bank of Tudela, Mis. Occ. and Rural Bank of Kolambogan, Lanao del Nort * Rural Bank of Plaridel [edit]Misamis Oriental * Bangko Rural ng Tagoloan * Community Rural Bank of Naawan * Philippine Farmers Bank * Rural Bank of Talisayan * first Valley Bank [edit]Mountain Province * Rural Bank of Sagada [edit]Negros Occidental * Rural Bank of Marayo * Community Rural Bank of Magallon First Community Bank * First State Rural Bank * Nation Bank * New Rural Bank of Binalbagan, Inc. * New Rural Bank of Victorias * Rural Bank of Bacolod City [edit]Negros Oriental * Central Visayas Rural Bank * Dumaguete Rural Bank * R ural Bank of Amlan * Rural Bank of Ayungon * Rural Bank of Bacong * Rural Bank of Guihulngan * Rural Bank of Valencia * Rural Bank of Manjuyod * Rural Bank of Larena * Rural Bank of Basay * Rural Bank of Pamplona * Rural Bank of Santa Catalina * SG Bank [edit]Nueva Ecija * Aliaga Farmers Rural Bank * Banco Rural de General Tinio * Bangko Luzon Inc. * Cabanatuan City Rural Bank * Citizen's Rural Bank Cooperative Bank of Nueva Ecija * Cuyapo Rural Bank * FARM Bank * GM Bank Inc. * Kabalikat Rural Bank * Masagana Rural Bank * Merchant Rural Bank of Talavera * Millennium Bank * New Rural Bank of Guimba * New Rural Bank of San Leonardo * Producers Rural Bank of San Jose City * Rural Bank of Laur * Rural Bank of Lupao * Rural Bank of Quezon * Rural Bank of Makati * Rural Bank of Sto. Domingo * Small & Medium Enterprise Bank * Towncall Rural Bank * Westmont Bank [edit]Nueva Vizcaya * Agri Business Rural Bank * Rural Bank of Aritao * Rural Bank of Solano * Cooperative Bank of Nueva Vizcaya [edit]Oriental Mindoro Oriental Tamaraw Rural Bank of Naujan * Rural Bank of Baco * Rural Bank of Gloria * Rural Bank of Bansud * Rural Bank of Pinamalayan * Rural Bank of Pola * Rural Bank of Naujan * Rural Bank of Victoria * Rural Bank of Socorro * Rural Bank of Bongabong [edit]Pampanga * Rural Bank of Porac * Banco Nuestra Senora del Pilar * Bank of Florida * Bangko San Lus (2nd Rural Bank of San Luis) * Crown Bank * Delta Civic Bank * Guagua Rural Bank * Guagua Savers Bank * Rural Bank of Angeles * Rural Bank of Apalit * Rural Bank of San Luis * Unity Bank [edit]Pangasinan * Banco Rural de San Antonio * Bangko Pangasinan * Bani Rural Bank BHF Rural Bank * Corfarm Rural Bank of Umingan * CSF Rural Bank of Bayambang * Gulf Bank * Kaluyagan Rural Bank * Kaunlaran Rural Bank * Pangasinan Bank * People's Rural Bank of Binmaley * Rural Bank of Agno * Rural Bank of Alaminos * Rural Bank of Anda * Rural Bank of Dasol * Rural Bank of Bautista * Rural Bank of Mangaldan [edit]Quezon * St. Jude Cooperative Bank * Quezon Capital Rural Bank * Grand-Agri Rural Bank * Mega Rural Bank * Polillo Island Rural Bank * Quezon Capital Rural Bank * Quezon Traders Rural Bank of Candelaria * Rural Bank of Alabat * Rural Bank of Atimonan * Rural Bank of Candelaria * Rural Bank of Dolores Rural Bank of Lucban * Rural Bank of Mauban * Rural Bank of Sariaya * Rural Bank of Tagkawayan * Tiaong Rural Bank [edit]Rizal * Binangonan Rural Bank * Eastern Rizal Rural Bank * Filidian Rural Bank * Rural Bank of Cardona * Growers Rural Bank * Tanay Rural Bank * Rizal Rural Bank (Taytay), Inc. * Rural Bank of Angono * Rural Bank of Antipolo * Rural Bank of Cainta * Rural Bank of Montalban * Rural Bank of Pililla [edit]Romblon * Community Rural Bank of Romblon [edit]Sarangani * Rural Bank of DAR Beneficiaries Cooperative * Rural Bank of Alabel * Sarangani Rural Bank, Inc. [edit]South Cotabato * Peninsula Rural Bank People's Rural Bank * Partner Rural Bank, Surallah, So. Cot. * Rural Bank of Norala (Norala, So. Cot. ), Inc. [edit]Southern Leyte * Community Rural Bank of Maasin [edit]Sultan Kudarat * Partner Rural Bank, Tacurong City [edit]Surigao del Sur * Bangko Carrascal * Enterprise Bank  www. ebi. ph]] * Cantilan Bank, Inc. [edit]Surigao del Norte * Surigaonon Rural Banking Corporation * Evergreen Rural Bank,Inc. * Siargao Bank * Rural Bank of Placer [edit]Tarlac * Bangko Santo Nino * Camiling Rural Bank * First Provincial Bank * Rural Bank of Tarlac * Rural Bank of Victoria * Rural Bank of Pura * Rural Bank of La Paz * St. Michael Rural Bank edit]Zambales * Community Rural Bank of San Felipe * Countryside Rural Bank of Palauig * Maharlika Rural Bank * Rural Bank of Cabangan * Zambank * Unity Bank * Rural Bank of Candelaria Zambales, Inc. * Rural Bank of San Narcisco, Inc. * Rural Bank of San Marcelino, Inc. [edit]Zamboanga del Norte * Rural Bank of Labason * Community Rural Bank of Dapitan City * Rural Bank of Roxas * Katipunan Rural Bank * Rizal Rural Bank * Rural Ban k of Dipolog City * Rural Bank of Siocon * Rural Bank of Liloy [edit]Zamboanga del Sur * Rural Bank of Pagadian City * Rural Bank of Salug Valley [edit]Zamboanga Sibugay * Rural Bank of Kabasalan Inc. edit]Zamboanga City * Rural Bank of Siocon Inc. * Rural Bank of Zamboanga * Banco Cooperativa de Zamboanga ————————————————- [edit]Defunct or merged banks * Citytrust  Savings Bank (acquired by Bank of the Philippine Islands) * Acme Savings Bank(Acquired by the Sy Group of Companies and Renamed  Banco De Oro) * Far East Bank and Trust Company  (acquired by Bank of the Philippine Islands) * People's Bank and Trust Company(acquired by Bank of the Philippine Islands) * SolidBank Corporation (acquired by Metropolitan Bank and Trust Co) * G7 Bank * Insular Savings Bank  (acquired by Citibank) International Exchange Bank  (acquired by Union Bank of the Philippines) * Insu lar Bank of Asia and America (Merged with  Philippine Commercial International Bank) * Monte de Piedad Savings Bank  (acquired by Keppel Bank) * Mindanao Development Bank(Merged with  Equitable Banking Corporation) * Ecology Bank(Merged with  Equitable Banking Corporation) * Keppel Bank  (acquired by  GE Capital Finance) * Philippine Commercial International Bank  (merged with Equitable Bank forming  Equitable PCI Bank  and now merged with  Banco De Oro) * PCIBank Savings (bought by the HSBC Group and renamed HSBC Savings Bank. * DBS Bank Philippines Ltd. (acquired by BPI) * Equitable Banking Corporation  (merged with PCI Bank forming  Equitable PCI Bank  and now merged with  Banco De Oro) * Prudential Bank  (acquired by Bank of the Philippine Islands) * Urban Bank  (forced to close then merged with Export and Industry Bank) * Equitable PCI Bank  (merged with Banco de Oro) * Export and Industry Bank * American Express Bank  (Renamed BDO Elite Savi ngs Bank) * Equitable Savings Bank  (merged with BDO) * Banco Santander Central Hispano (Philippine subsidiary acquired by  Banco De Oro  and renamed BDO Private Bank) * Dao Heng Bank  (acquired by Banco e Oro) * 1st E Bank  (Philippine Branches acquired by Banco de Oro) * United Overseas Bank  (66 out of 67 Branches merged with  Banco De Oro * BDO Elite Savings Bank (merged with BDO along with Equitable Savings, Equitable PCI and PCI Capital Corp) * GE Money Bank  (acquired by Banco de Oro) * Green Bank of Caraga(Acquired by East West Bank) * LBC Development Bank * Traders Royal Bank (Acquired by Bank of Commerce) * Capitol Bank (acquired by RCBC, now named as RCBC Savings Bank) * Asianbank (acquired by Metrobank)

Outsourcing and Company

What is Outsourcing? Outsourcing  is the  contracting  out of an internal  business process  to a third party organization. The practice of contracting a business process out to a third party rather than staffing it internally is common in the modern economy. The term â€Å"outsourcing† became popular in the  United States  near the turn of the 21st century. Outsourcing sometimes involves transferring employees and assets from one firm to another but not always. The definition of outsourcing includes both foreign and domestic contracting,  and sometimes includes  offshoring, which means relocating a business function to another country.Financial savings from lower international labor rates is a big motivation for outsourcing/offshoring. The opposite of outsourcing is called  insourcing, which entails bringing processes handled by third party firms in-house, and is sometimes accomplished via  vertical integration. However, a business can provide a contract service to another business without necessarily insourcing that business process. Advantages of Outsourcing : Outsourcing creates opportunities for a company to focus on lowering costs and improving the efficient allocation of resources within a company.Outsourcing allows a company to redirect its attention to its own competencies and hire outside resources to handle other tasks. For example, Jobs in the mid-west can often consist of phone tech support. However since it is even cheaper to pay people in India then support this community with jobs, it will send its jobs to India, another country which is an example of outsourcing. So outsourcing allows a firm to reduce costs and concentrate its resources on the things It does best while gaining access to expertise it may not have.Companies outsource primarily to cut costs. But today, it is not only about cutting cost but also about reaping the advantages of strategic outsourcing such as accessing skilled expertise, saving time, cutti ng cost, concentrating on networking, business growth and core competencies ,reducing overhead, flexible staffing, and increasing efficiency, reducing turnaround time and eventually generating more profit. 1. Accessing Skilled Expertise : One of the primary advantages of outsourcing is to get access to skilled expertise.This skill set may not be a core competency of a company’s business, but to allow on focusing on the core mission in providing a high quality product and service to its customer what makes sense is handing over the task to people who can perform it better. Moreover, as a double whammy, a company not only spends less on employee trainings and saves precious man-hours but cuts costs as well. 2. Saving time : When running a business, companies soon discover which skills they possess are strong, weak and non-existent.Rather than using their time and money to learn several new skills, they can simply outsource to someone who is already proficient. Perhaps they have other things in life besides business to focus on. Companies may want to spend the extra time outsourcing because it gives companies to learn a new skill such as public speaking, a new language, accounting, or some other subject. 3. Cutting Costs and Saving BIG! : Maintaining an infrastructure can be an extra burden for some businesses, which outsourcing can remove.Outsourcing business requirements to a trusted vendor can help companies to save on the capital expenditure, time, and extra efforts of their personnel. Additionally, companies are no longer committed to invest on employee training, or purchasing expensive software, or investing in latest technologies. All these help the companies to get higher returns in the longer run. For example, A small doctor's office that wants to accept a variety of insurance plans. One part-time person could not keep up with all the different providers and rules. Outsource to a firm specializing in medical billing. . Concentrating on Business Gr owth, Networking and Core Competencies : Workload increases with additional non-core functions and the quality of any company’s core activities suffers as the business grows. Outsourcing in such scenario to a third party plays an important role by allowing company’s key resources to focus on primary business tasks. Because of saving time and energy with outsourcing, companies can focus on growing their business. They can meet with important clients, attend seminars, find potential partners and network as well as tend to the management of the business.Companies can outsource their weakest areas to those who are already strong in them. 5. Reducing overhead : Overhead costs of performing a particular back-office function are extremely high. Paying wages to full-time employees can severely eat into your profits. It’s common for new start-ups to maximize savings by outsourcing to developing countries. People there, who are highly skilled, often work for only a few do llars per hour. It may seem low , but it’s often good money for them. Lower overheads from not having full-time employees may give the company competitive edge and mean the difference between success and failure. . Increasing in-house efficiency : After companies allocate tasks to their outsourcing partner, they share the workload of the companies’ employees. This allows the companies to develop their internal task force and use them more efficiently. 7. Staffing Flexibility : Outsourcing certain independent tasks, allows any company’s business to maintain a financial flexibility when there is an uncertainty in demand. The company can scale up or down comfortably. At a much lower cost, outsourcing provides additional benefit of running business in full throttle even during off season and holiday months.Example: An accounting department that is short-handed during tax season and auditing periods. Outsourcing these functions can provide the additional resources fo r a fixed period of time at a consistent cost. 8. Continuity & Risk Management : Periods of high employee turnover will add uncertainty and inconsistency to the operations. Outsourcing will provided a level of continuity to the company while reducing the risk that a substandard level of operation would bring to the company. Example: The human resource manager is on an extended medical leave and the two administrative assistants leave for new jobs in a very short period of time.Outsourcing the human resource function would reduce the risk and allow the company to keep operating. 9. Giving A Company’s Business A Competitive Edge : The ultimate benefit of outsourcing is that it helps the companies gain a competitive edge in the market. Through strategic outsourcing to an outsourcing partner, the companies are not only providing their customers with best-of breed services, but increasing their productivity while managing their in-house resources intelligently. Outsourcing can hel p them surpass competitors who have not yet realized the benefits of outsourcing. 10.Seeing An Overall Increase In The Company’s Business : Outsourcing shows an increase in company’s productivity, customer loyalty, level of quality, business value, profits, and much more. How will the changing face of education impact the supply chain? As you evaluate your choices and decisions in  outsourcing  different components of your operations, you will need to consider the advantages of outsourcing. When done for the right reasons, outsourcing will actually help your company grow and save money. There are other advantages of outsourcing that go beyond money. Here are the top seven advantages of outsourcing. . Focus On Core Activities In rapid growth periods, the back-office operations of a company will expand also. This expansion may start to consume resources (human and financial) at the expense of the core activities that have made your company successful. Outsourcing tho se activities will allow refocusing on those business activities that are important without sacrificing quality or service in the back-office. Example: A company lands a large contract that will significantly increase the volume of purchasing in a very short period of time; Outsource purchasing. 2. Cost And Efficiency SavingsBack-office functions that are complicated in nature, but the size of your company is preventing you from performing it at a consistent and reasonable cost, is another advantage of outsourcing. Example: A small doctor's office that wants to accept a variety of insurance plans. One part-time person could not keep up with all the different providers and rules. Outsource to a firm specializing in medical billing. 3. Reduced Overhead Overhead costs of performing a particular back-office function are extremely high. Consider outsourcing those functions which can be moved easily.Example: Growth has resulted in an increased need for office space. The current location i s very expensive and there is no room to expand. Outsource some simple operations in order to reduce the need for office space. For example, outbound telemarketing or data entry. 4. Operational Control Operations whose costs are running out of control must be considered for outsourcing. Departments that may have evolved over time into uncontrolled and poorly managed areas are prime motivators for outsourcing. In addition, an outsourcing company can bring better management skills to your company than what would otherwise be available.Example: An information technology department that has too many projects, not enough people and a budget that far exceeds their contribution to the organization. A contracted outsourcing agreement will force management to prioritize their requests and bring control back to that area. 5. Staffing Flexibility Outsourcing will allow operations that have seasonal or cyclical demands to bring in additional resources when you need them and release them when yo u're done. Example: An accounting department that is short-handed during tax season and auditing periods.Outsourcing these functions can provide the additional resources for a fixed period of time at a consistent cost. 6. Continuity & Risk Management Periods of high employee turnover will add uncertainty and inconsistency to the operations. Outsourcing will provided a level of continuity to the company while reducing the risk that a substandard level of operation would bring to the company. Example: The human resource manager is on an extended medical leave and the two administrative assistants leave for new jobs in a very short period of time. Outsourcing the human resource function would reduce the risk and allow the company to keep operating. . Develop Internal Staff A large project needs to be undertaken that requires skills that your staff does not possess. On-site outsourcing of the project will bring people with the skills you need into your company. Your people can work alon gside of them to acquire the new skill set. Example: A company needs to embark on a replacement/upgrade project on a variety of custom built equipment. Your engineers do not have the skills required to design new and upgraded equipment. Outsourcing this project and requiring the outsourced engineers to work on-site will allow your engineers to acquire a new skill set.

Free Essays on Underage Drinking

Alcohol is a drug most frequently used by American teenagers. It is consumed more than all other illegal drugs combined and is also the drug that is most associated with injury or death. Underage drinking is a serious problem for teenagers in the United States. People do not realize the effects that alcohol have on young growing adults. Alcohol is a drug that can affect judgment, coordination, and long term health. Underage drinking has no positive aspects to it. How can we say â€Å"yes† to underage drinking? The legal age to drink is twenty-one, and people should abide by the laws. Back in the 1960’s and early 70’s a number of states lowered their drinking age from twenty-one to eighteen. In many of these states, research found an increase in highway deaths due to this law. Since then, all states have raised the drinking age back up to twenty one. This just shows that at the age of eighteen your life takes off with too many responsibilities and it’s hard to handle alcohol. Children do not have enough responsibility and since they are now classified as adults they thinks they can do whatever they want. Underage drinkers are not very smart when it comes to judgment and other factors that take toll when operating a vehicle. Alcohol affects everyone judgment whether you are old or young, but it is more likely that a younger person will do more damage. Young teens are just not aware of what it can do to you and your body. One reason drinking is bad for you is because your brain doesn’t stop growing until your around twenty. Alcohol effects the growth of your brain and due to underage drinking it doesn’t give your brain full growing capacity. Also, your body’s organs do continue to grow until you get older and by drinking at such a young age it does not allow them to grow to full size or strength. Alcohol is also very addictive especially in young teens. It is more likely for children who start drinking underage to have a ... Free Essays on Underage Drinking Free Essays on Underage Drinking Underage Drinking Why are you given the rights to everything else but restricted from alcohol and for some reason you aren’t â€Å"responsible enough to drink?† The answer is plain and simple: you are looked at as being immature. We need to be taught about alcohol and then trusted to make decisions on our own. The only way we can be trusted is by being given the right to drink when we turn 18. Underage drinking will be minimized if the age group of 18 to 20 is allowed alcohol. Through education, we in the United States can move forward and overcome the underage drinking problem. I found one very developed group that has a goal and a very practical plan to change the legal age to 18. RALLY, which stands for Realistic Alcohol Laws for Legal Youth, knows that underage drinking is a problem and wants to see changes made to give 18 to 20 year-old adults their deserved rights. RALLY is designed for college students, by the college student and because of that system their ideas are the easiest to understand and live by. If you look around at college parties it seems as if everyone is drinking. Actually you are probably right, but over half of those people drinking are also under the legal drinking age. Drinking is one of the main forms of entertainment for the typical college student. The only problem with drinking being the main form of entertainment is that half of the students in college or 20 years or younger. This seems to be a problem all over the country and a debate has started to see whether or not lowering the drinking age would be a reasonable solution to keep students from over drinking. Many leaders at different universities such as Bill Jordan, a member of the Board of Trustees at the University of North Carolina, and Ruth Ings, a professor at Indiana University, believe that lowering the drinking age would solve many problems occurring at colleges today (Hochberg). Along with these leaders are the KU Senators at Kansa... Free Essays on Underage Drinking Alcohol is a drug most frequently used by American teenagers. It is consumed more than all other illegal drugs combined and is also the drug that is most associated with injury or death. Underage drinking is a serious problem for teenagers in the United States. People do not realize the effects that alcohol have on young growing adults. Alcohol is a drug that can affect judgment, coordination, and long term health. Underage drinking has no positive aspects to it. How can we say â€Å"yes† to underage drinking? The legal age to drink is twenty-one, and people should abide by the laws. Back in the 1960’s and early 70’s a number of states lowered their drinking age from twenty-one to eighteen. In many of these states, research found an increase in highway deaths due to this law. Since then, all states have raised the drinking age back up to twenty one. This just shows that at the age of eighteen your life takes off with too many responsibilities and it’s hard to handle alcohol. Children do not have enough responsibility and since they are now classified as adults they thinks they can do whatever they want. Underage drinkers are not very smart when it comes to judgment and other factors that take toll when operating a vehicle. Alcohol affects everyone judgment whether you are old or young, but it is more likely that a younger person will do more damage. Young teens are just not aware of what it can do to you and your body. One reason drinking is bad for you is because your brain doesn’t stop growing until your around twenty. Alcohol effects the growth of your brain and due to underage drinking it doesn’t give your brain full growing capacity. Also, your body’s organs do continue to grow until you get older and by drinking at such a young age it does not allow them to grow to full size or strength. Alcohol is also very addictive especially in young teens. It is more likely for children who start drinking underage to have a ...

Free Essays on John Donne

Death, commonly viewed as an all-powerful force against life, is otherwise described in John Donne’s Holy Sonnet 10. As found in any English Sonnet, there is a rhyme scheme and a standard meter. Although the standard meter is iambic pentameter, as in most English Sonnets, the rhyme scheme differs a little from the usual, consisting of ABBA ABBA CDDC AE. Sonnets convey various thoughts and feelings to the reader through the different moods set by the author. In this case the speaker having to confront Death and defeat it, sets the mood. Throughout existence, there have been many theories regarding exactly what role Death plays in the lives of those who experience it. Some think Death is the ultimate controller of all living things, while others believe it is nothing more than the act of dying once your time has come. Donne, on the other hand, has his own philosophy. The entire Sonnet, Donne speaks directly to Death. He personifies what to man has always been a spirit and has ne ver been touched, seen or furthermore killed. He gives Death life, and therefore makes it mortal, exposing it to pain, torment and eventually defeat. In lines one and two Donne says â€Å"Death, be not proud, though some have called thee, Mighty and dreadful thou art not so.† By referring to Death as a person, he makes it easier for the reader to bring Death down to a level of a weakness and venerability, allowing us to examine it to see what Death really is. Humans have always been slaves to Death, fearing it, running from it, and trying to prevent it. In line nine, the speaker goes against that to say that Death is a slave to fate, chance and us. When Death becomes a slave it is because it will benefit from who will die, but doesn’t have the power to kill. Without fate nothing could be determined, therefore, our fate is truthfully what controls our lives and deaths. It decides when our time has been completed on this earth, and then comes Death to take us away... Free Essays on John Donne Free Essays on John Donne Death, commonly viewed as an all-powerful force against life, is otherwise described in John Donne’s Holy Sonnet 10. As found in any English Sonnet, there is a rhyme scheme and a standard meter. Although the standard meter is iambic pentameter, as in most English Sonnets, the rhyme scheme differs a little from the usual, consisting of ABBA ABBA CDDC AE. Sonnets convey various thoughts and feelings to the reader through the different moods set by the author. In this case the speaker having to confront Death and defeat it, sets the mood. Throughout existence, there have been many theories regarding exactly what role Death plays in the lives of those who experience it. Some think Death is the ultimate controller of all living things, while others believe it is nothing more than the act of dying once your time has come. Donne, on the other hand, has his own philosophy. The entire Sonnet, Donne speaks directly to Death. He personifies what to man has always been a spirit and has ne ver been touched, seen or furthermore killed. He gives Death life, and therefore makes it mortal, exposing it to pain, torment and eventually defeat. In lines one and two Donne says â€Å"Death, be not proud, though some have called thee, Mighty and dreadful thou art not so.† By referring to Death as a person, he makes it easier for the reader to bring Death down to a level of a weakness and venerability, allowing us to examine it to see what Death really is. Humans have always been slaves to Death, fearing it, running from it, and trying to prevent it. In line nine, the speaker goes against that to say that Death is a slave to fate, chance and us. When Death becomes a slave it is because it will benefit from who will die, but doesn’t have the power to kill. Without fate nothing could be determined, therefore, our fate is truthfully what controls our lives and deaths. It decides when our time has been completed on this earth, and then comes Death to take us away... Free Essays on John Donne Death, commonly viewed as an all-powerful force against life, is otherwise described in John Donne’s Holy Sonnet 10. As found in any English Sonnet, there is a rhyme scheme and a standard meter. Although the standard meter is iambic pentameter, as in most English Sonnets, the rhyme scheme differs a little from the usual, consisting of ABBA ABBA CDDC AE. Sonnets convey various thoughts and feelings to the reader through the different moods set by the author. In this case the speaker having to confront Death and defeat it, sets the mood. Throughout existence, there have been many theories regarding exactly what role Death plays in the lives of those who experience it. Some think Death is the ultimate controller of all living things, while others believe it is nothing more than the act of dying once your time has come. Donne, on the other hand, has his own philosophy. The entire Sonnet, Donne speaks directly to Death. He personifies what to man has always been a spirit and has ne ver been touched, seen or furthermore killed. He gives Death life, and therefore makes it mortal, exposing it to pain, torment and eventually defeat. In lines one and two Donne says â€Å"Death, be not proud, though some have called thee, Mighty and dreadful thou art not so.† By referring to Death as a person, he makes it easier for the reader to bring Death down to a level of a weakness and venerability, allowing us to examine it to see what Death really is. Humans have always been slaves to Death, fearing it, running from it, and trying to prevent it. In line nine, the speaker goes against that to say that Death is a slave to fate, chance and us. When Death becomes a slave it is because it will benefit from who will die, but doesn’t have the power to kill. Without fate nothing could be determined, therefore, our fate is truthfully what controls our lives and deaths. It decides when our time has been completed on this earth, and then comes Death to take us away...

Biography of Martin Luther King, Jr.

Biography of Martin Luther King, Jr. Martin Luther King, Jr. was born on January 15, 1929, in Atlanta, GA. His birth certificate listed his first name as Michael, but this was later changed to Martin. His Grandfather and then his Father both served as the pastor of the Ebenezer Baptist Church in Atlanta, Georgia. King graduated from Morehouse College in 1948 with a degree in Sociology. He further received a Bachelors of Divinity in 1951 and then a Ph.D. from Boston College in 1955. It was in Boston where he met and later married Coretta Scott. They had two sons and two daughters together. Becoming a Civil Rights Leader: Martin Luther King, Jr. was appointed the pastor of the Dexter Avenue Baptist Church in Montgomery, Alabama in 1954. It was while serving as pastor of the church that Rosa Parks was arrested for refusing to give up her seat on a bus to a white man. This occurred on December 1, 1955. By December 5, 1955, the Montgomery Bus Boycott had begun. Montgomery Bus Boycott: On December 5, 1955, Dr. Martin Luther King, Jr. was unanimously elected president of the Montgomery Improvement Association which led the Montgomery Bus Boycott. During this time, African-Americans refused to ride the public bus system in Montgomery. Kings home was bombed due to his involvement. Thankfully his wife and baby daughter who were home at the time were unharmed. King was then arrested in February on the charges of conspiracy. The boycott lasted 382 days. At the end on December 21, 1956, the Supreme Court ruled that racial segregation on public transportation was illegal. Southern Christian Leadership Conference: The Southern Christian Leadership Conference (SCLC) was formed in 1957 and King was named its leader. Its goal was to provide leadership and organization in the fight for civil rights. He used the ideas of civil disobedience and peaceful protests based on the writings of Thoreau and the actions of Mohandas Gandhi to lead the organization and the fight against segregation and discrimination. Their demonstrations and activism helped lead to the passage of the Civil Rights Act of 1964 and the Voting Rights Act of 1965. Letter from a Birmingham Jail: Dr. Martin Luther King, Jr. was a major part of many nonviolent protests as he helped lead the fight for desegregation and equal rights. He was arrested numerous times. In 1963, numerous sit-ins were staged in Birmingham, Alabama to protest segregation in restaurants and eating facilities. King was arrested during one of these and while he was imprisoned wrote his famous Letter from a Birmingham Jail. In this letter, he argued that only through visible protests would progress be made. He argued that it was an individuals duty to protest and disobey unjust  laws. Martin Luther King's "I Have a Dream" Speech On August 28, 1963, the March on Washington led by King and other Civil Rights Leaders took place. It was the largest demonstration of its kind in Washington, D.C. up to that time and approximately 250,000 demonstrators were involved. It was during this March that King gave his awe-inspiring I Have a Dream speech while speaking from the Lincoln Memorial. He and the other leaders then met with President John F. Kennedy. They asked for many things including an end to segregation in public schools, greater protections for African-Americans, and more effective civil rights legislation amongst other things. Nobel Peace Prize In 1963, King was named Time Magazines Man of the Year. He had stepped onto the world stage. He met with Pope Paul VI in 1964 and then was honored as the youngest person ever to receive the Nobel Peace Prize. He was awarded this on December 10, 1964, at the age of thirty-five. He gave the entire amount of the prize money to help with the Civil Rights movement. Selma, Alabama On March 7, 1965, a group of protestors attempted a march from Selma, Alabama to Montgomery. King was not part of this march because he had wanted to delay its start date until the 8th. However, the march was extremely important because it was met by terrible police brutality that was captured on film. The images of this made a huge impact on those not directly involved in the fight resulting in a public outcry for changes to be made. The March was attempted again, and the protestors successfully made it to Montgomery on March 25, 1965, where they heard King speak at the Capitol. Assassination Between 1965 and 1968, King continued with his protest work and fought for Civil Rights. King became a critic of the War in Vietnam. While speaking from a balcony at the Lorraine Motel in Memphis, Tennessee on April 4, 1968, Martin Luther King was assassinated. The day before he gave a poignant speech where he said, [Gods] allowed me to go up to the mountain. And Ive looked over. And Ive seen the promised land. I may not get there with you. While James Earl Ray was arrested and charged with the assassination, there have been and still are questions to his guilt and whether there was a larger conspiracy at work.

Personal Statement Example | Topics and Well Written Essays - 500 words - 23

Personal Statement Example Big chunk of my life has been focused on the interest of assisting people having difficulties maintaining a normal life due to their disabilities, temporary handicaps and the likes. I also thought of becoming a nurse but I realized that it would not really hit the specialization I want in the short time I can allot for schooling. Due to this, I volunteered in a place called â€Å"Occupational Therapy for Productive Living.† The facility specializes in Adults and Pediatrics with hand and wrist injuries, conditions of the shoulders, tuning up motor skills especially people with arthritis, sensory processing and visual perception. This experience assured me more that I was in the right field of work. The physical weariness was worth the experience. During my stay at the facility, apart from the things I learned hands on, I craved for the culture this career will give me and I realized that it would be a life-changing venture for me. Due to these, I was placed in a more solid ground. Thinking about my career, whether I will have this as my stepping stone and maybe shift my field of work in future if I realize I can’t stand it or not is no longer the issue. My journey from choosing what career I should take on, the job outlook and the hours I spent at Occupational Therapy for Productive Living led me to a decision that this is a career worth the work and that suits my interest. Having said all these, I know there is one more step towards the goal I want to achieve. Although, an assistant to the occupational therapist itself, I know I need to get into a program that would equip me more with the things I will need in continuing my passion of becoming an occupational therapy assistant. I should learn the details of what an occupational therapist does to be in unison with the specifics the job entails. One of the schools I have checked was Touro College due to its viable proximity to my location. With its good