Report on UBL Essay Example

Report on UBL Essay Executive Summary UBL is the second largest bank of Pakistan with assets of over Rs. 550 billion and a solid track record of forty six years in addition to the convenience of over 1400 branches serving its customers throughout the country and also at several overseas locations. In this 8 weeks internship program I have worked in Regional Credit Administration Departments (MIS section, Processing section, Documentation section) of this high class bank of Pakistan where I have learned about banking from experienced managers running these sections. During my internship I have found that in banking sector concentration and consistency is of utmost importance. Your little mistake can create a big problem. I have been worked in credit administration department for eight weeks, two weeks in Processing section, two weeks in Documentation section and four weeks in MIS section. This report contains the information and learning about UBL that I learnt during the 8 weeks internship period in United Bank limited. This report deals with Credit Administration Department in which I worked. Recognizing the need of Islamic banking, UBL also provided number of Islamic banking services like Islamic Deposit Schemes and Islamic Fund Based Facilities. At the end of the report, on basis of my observation during internship, financial analysis and SWOT analysis of UBL is provided. Suggestions are also recommended as per learning from analysis. This report will provide a better and brief learning about United Bank Limited. Background of Organization [pic] History of Banking â€Å"Bank is a pipeline through which currency moves into and out of circulation. Bank accepts deposits and repays cash to its customers on their demand. The Bank borrows money at a lesser rate of interest and lends it to the borrowers at a higher rate. It is thus a profit-lending concern. Bank cannot lend all the money that has been deposited with it. It has to keep a certain portion of the total deposits in cash with them in order to meet the cash requirements of the individuals and business concern. Banki ng History Word Bank is said to be derived from the words Banc us or Banque or Bank. The history of banking is traced to as early as 2000 BC. We will write a custom essay sample on Report on UBL specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Report on UBL specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Report on UBL specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The priests in Greece used to keep money and valuables of the people in temples. These priests thus acted as financial agents. The origin of banking is also traced to early goldsmiths. They used to keep strong safes for storing the money and valuables of the people. The persons who had surplus money found it safe and convenient to deposit their valuables with them. The FIRST STAGE in the development of modern banking, thus, was the accepting of deposits of cash from those persons who had surplus money with them. The goldsmiths used to issue receipts for the money deposited with them. These receipts began to pass from hand to hand in settlement of transactions because people had confidence in the integrity and solvency of goldsmiths. When it was found that these receipts were drawn in such a way that it entitles any holder to claim the specified amount of money from goldsmiths. A depositor who is to make the payments may now get the money in cash from goldsmiths or pay over the receipt to the creditor. These receipts were the earlier bank notes. The SECOND STAGE in development of banking thus was the issue of bank notes. The goldsmiths soon discovered that all the people who had deposited money with them did not come to withdraw their funds in cash. They found that only a few persons presented the receipt for encashment during a given period of time. They also found that most of the money deposited with was lying idle. At the same time, they found that they were being constantly requested for loan on good security. They thought it profitable to lend at least some of the money deposited with them too the needy persons. This proved quite a profitable business for the goldsmiths. They instead of charging interest from the depositors began to give them interest on the money deposited with them. This was the THIRD STAGE, in the development of banking. By experience the banks came to know that they could keep a small proportion of the total deposits for meeting the demands of customers for cash and the rest they could easily lend. They allowed the depositors to draw over and above the money actually standing to their credit. In Economics terminology we can say that they allowed the overdraft facilities to their depositors. This was the FOURTH STAGE, in development of banking. When every bank issues receipts and most of them allowed the overdraft facilities, there was then too much confusion in the banking system. The banks in order to earn profits could not keep adequate reserves for meeting the demands of the customers for cash. The failures on the part of the bankers to return money caused widespread distress among the peoples. In order to create confidence among the people, steps were taken to regulate the banking organization. A conference was held in Nuremberg in 1548. It was decided that a bank should be set up by the state, which should streamline the banking organization and technique. The first central bank was formed in Geneva in 1578. Bank of England was established in 1694. The responsibility of issuing of notes is now entrusted to a central bank of each country. Commercial Banking in Pakistan At the time of partition total numbers of Banks were 38 only. Out of these Banks the Pakistani Banks were only 2, Indian Banks 29 Exchange Banks were 7. The total of deposits of Pakistani Banks was Rs. 880 Million. advances were Rs: 198 Million. According to banking companies ordinance Banks are the companies, which transacts the business of Banking in Pakistan. Commercial Banks have constituted the most important part of the intuitional credit in the economy of Pakistan. Being the largest source of credits, Banking Industry is a pivot of whole the economic activities in Pakistan. Section 37(2A) of State Bank of Pakistan Act 1965 lays down that the Banks must have paid-up capital reserve of not less then Rs: 5 Lac fulfilling certain other requirements for declaring as â€Å"Scheduled Bank†. At the time of independence Bank services was badly affected. But with the passage of time these are improving. The government of Pakistan nationalized all Banks in early 1974. This act was done to minimize control of few hands over banking. But this step was proved e futile for the Banking in Pakistan. So the Govt. had to revise its decision in1990. Two Banks (Allied Bank Of Pakistan Limited Muslim commercial Bank Of Pakistan Limited have been denationalized. Since then Banks were working well. Now slogan of the Banks is to serve their customers in the best possible manner. Professor Berton: â€Å"Banks are the guardian distributor of money â€Å". Similarly we can say that it is a pipeline thorough which currency moves into outside the circle. Banks accept deposited of money and repay it on demand. Bank borrows money at lesser rate of interest lends it at higher rate of interest. In this way Banks earn money. Bank do not lend all money they collect, they keep certain portion of it as reserve to meet the uncertain demand of the customer. [pic] Functions of a Commercial Bank In general terms the functions of a commercial bank can be classified under the following main heads. Accepting Deposits Some people have excess money and they want to deposits it to some honest man or an institution which can give them some profit. So the first function of commercial bank is to receive deposit there are three types of deposits. Demand Deposits or Current Deposits Some people deposit their excess money in the current accounts and they can withdraw their money deposited in this account at any time during the banking hours, so bank is not ready to give interest on it Fixed Deposits These deposits are fixed for a particular period. Commercial banks also pay an interest on these accounts. An important thing related to it is the varying interest rates for the different period deposits. Interest rate increases with the increase in the fixed deposit period. Saving Deposits To create the habit of savings, bank accepts the saving deposits and pays an interest on these deposits. And this rate of interest is greater than the demand deposits. Advancing Loans Bank also advances the loans to the merchants and charges the interest. It is the major source of its income. It also issues the loan for short term, medium term and for long term. And bank receives the higher interest from the borrower for the long term loans offered. Discounting of Bill Commercial banks also discount the bills and facilitate the business; for example one businessman purchases anything from another person and promises to pay after one month. The seller will write a bill to the buyer and there will be an order that after one month the buyer will pay the amount to the seller. Buyer will sign on the bill. In other words buyer will accept the responsibility of that amount. If seller is in need of money, he will take it to the bank and will receive the money by discounting the bills. The commercial bank also may rediscount it from the central bank. Cheap Medium of Exchange By issuing cheques and drafts bank provides cheap, medium of exchange. Transfer of Money The commercial bank is very helpful in transferring the money from one place to another by issuing the drafts. This is very popular concept in the modern world and widely used in the business community. Custodian of Precious Articles Banks also provide lockers for the safety of precious articles. So now everyone can secure his precious metals like gold, silver, etc. , and bank charges a very nominal charge for this facility. Agency Services Commercial Banks also perform the duty of an agent. It collects and pays on the behalf of the customers. Investment On behalf of the customers all the banks also make an investment in different companies and industries. And banks receive nominal charge from the customers. Creation of Credit It also creates and extends the volume of credit. Facilitating Trade Activities It also provides the finance to the foreign trade. Letter of credits are issued by the commercial banks for the foreign payments. Purchase and Sale of Securities The commercial bank purchases and sells the securities, for itself and sometimes on the behalf of the costumes. Acting as a Trustee If a client directs his bank to act as a trustee in the administration of a business, the bank performs this responsibility. Role of Commercial Bank in the Economic Development of Pakistan Banks play an important role in the economic development of country. If our Banking system is not in accordance to the economic requirement then how it can play a vital role in our developments. The State Bank of Pakistan is at the apex and all the commercial Banks have to follow the rules of State Bank of Pakistan. Role of the banking sector can be judged by the following facts: Saving Mobilization The commercial Banks namely United Bank Limited Pakistan, Habi Bank Ltd, Allied Bank Of Pakistan Ltd. National Bank has opened Branches in urban areas rural areas to mobilize savings of people. Financing of Development Projects Banks other financial institutions like ADBP, IDBP, and PICIC etc. Advances short medium terms loans for financing of the development projects both in the private public sectors . So they helping to accelerate the rate of progress (Economic) in the country. Enhancing Trade Activities The credit institutions collect the savings of people make them available for facilitating the trade activities both inside outside the country. Creating Climate for Capital Formation A developed baking system stimulates the growth of economy by creating favorable climate for capital formation in the Country. Help of State Bank of Pakistan in Achieving Monetary Publishes Commercial Banks under the supervision guidance of the S. B. P help in implementing achieving the objective of monetary policy, which vary from time to time. Assist In Planned Development Commercial Banks are profit-seeking enterprises. In order to maximize profit they have the incentive from S. B. P to maximize the limit of finance. An organized Banking system keeps balance between the liquidity * profitability, thus assists in the planed development of the Country. Profit Sharing Scheme Commercial Banks receive surplus balance of the households and business pay interest on the deposit of client. The depositors instead of having a fixed return on the deposit will share in the profit loss of the Bank. The profit loss scheme arrangement is the alternative to interest, under an Islamic economic system, which is since on the experimental basis in Pakistan. Introduction to United Bank Limited UBL is the second largest bank of Pakistan with assets of over Rs. 550 billion and a solid track record of forty six years in addition to the convenience of over 1400 branches serving you throughout the country and also at several overseas locations. Date Established November 7, 1959 Chairman His Highness Shaikh Nahayan Mabarak Al Nahayan Branches 1400 Domestic, 19 Overseas Branches (Ten countries) Representative Offices Tehran Subsidiary United Bank AG Zurich, Switzerland United National Bank Limited, UK (Joint venture with NBP) UBL Fund Managers Limited Associated Company Oman United Exchange Company, Muscat Offshore Banking Unit Export Processing Zone, EPZ Branch, Karachi, Pakistan Head Office State Life Insurance Corp. Building #1, I. I. Chundrigar Road, Karachi, Pakistan P. O. Box No. : 4306 Phone: (92-21) 111-825-111 Gram: UNITED Fax: (92-21) 2413492 Board of Directors ChairmanCFO Secretary Mr. Atif R. BokhariMr. Obbad Fazal Chief Executive OfficerAuditors Mr. Muhammad Ali1)KPMG Taseer Hadi co. Chartered Accountants. 2) A. F Ferguson Co. Charted Accountants Board of Directors Legal Advisor Mohsin Tayebaly CO Mr. Atif R. Bokhari Chairman/Director Mr. Mansoor KhanDirector Mr. Aameer KarachiwalaDirector Mr. Kashif ShahDirector Mr. Hassan RazaDirector Mr. Mohammad Asghar Director Mr. Ali Sameer farouquiDirector Mr. Saeed IqbalDirector Mir Muhammad AliCEO/Director Audit Committee Mr. Aameer M. Karachiwala Mr. Ali Sameer, Mr. Saeed Iqbal Hierarchy of the Management [pic] Credit Rating Credit Rating by JCR VIS Credit Rating Company Limited June 30, 08 Long Term Rating: AA +’ United Bank Limited is one of the largest Commercial Bank in Pakistan. The Banks long term rating is AA +, which denotes good credit quality. Protection factors are strong. Risk is modest but may vary slightly from time to time because of economic conditions. Short Term Rating A-1+ The short-term rating is A-1+, which denotes the highest certainty of timely payment. Short-term liquidity, including internal operating factors and / or access to alternative sources of funds, is outstanding and safety is just below risk free Government of Pakistans short-term obligations. Term Finance Certificate Rating TFC I: AA TFC II: AA TFC III: AA TFC IV: AA Business Operations [pic] Reorganization of Domestic Operation In 1986, the organizational structure of domestic operations of the bank was reformed and decentralized on the basis of provinces. As a result provincial headquarters were established at Karachi, Lahore, Peshawar and Quetta in order to meet the needs of sanctioning loans and other facilities to the trade, industry and agriculture of each province. Azad Kashmir was serrated from NWFP and made separate region. The quantum of work immensely increased due to the growth of economic activities and phase of industrialization and other change in Punjab and Sindh. It was also considered necessary to improve the quality of advances and to expedite the recovery process of the loans and advances. Formation of Regional Headquarters The provincial chiefs of Punjab, Sindh, NWFP, and Baluchistan are ceased to function and in their place nine regional chief executives started functioning in the nine major cities. The new segmentation of UBL’s branches on the basis of regions can be looked from the following: Province Wise Region Allocation Provinces |Regions | |Punjab |Islamabad | | |Lahore | | |Lahore East | | |Lahore West | | |Faisalabad | | |Multan | | |Karachi | |Sindh |Hyderabad | | Peshawar | |NWFP | | |Baluchistan |Quetta | | |MuzafarAbad | |Azad Kashmir | | Locations With an integrated network of over 1400 branches in Pakistan as well as Overseas, UBL gives direct access to a comprehensive range of better banking facilities to help monitor the business locally as well as internationally. [pic] Community Services UBL is committed to the welfare of Pakistan. It lends to farmers for the purchase of tractors, superior quality seed and fertilizers. UBL further fosters the individual welfare and well being of the common man by lending house building finance and loans to set up small businesses. UBL has played a leading role in the dissemination of Computer Technology in Pakistan and is dedicated to the promotion of sports. †¢ Agricultural Loans †¢ Small Business Scheme †¢ UBL Computer Training Institute †¢ Staff Colleges of UBL †¢ UBL Sports Complex Agricultural Loans UBL’s agricultural loans on easy terms and conditions to small-scale land owning farmers boost the country’s economy and yield greener harvests. UBL enables farmers to buy good quality seeds, fertilizers, pesticides and agricultural implements. Small Business Scheme Under the Small Business Scheme, UBL is providing loans on easy terms to those who wish to set up their own small-scale business. This scheme is aimed at spreading prosperity in the country by reducing unemployment. As more and more people start their own industrial units, the country will move steadily towards economic self-reliance. UBL Computer Training Institute UBL is a pioneer in the computerization of banking in Pakistan, and now plays a leading role in the dissemination of Computer Technology in Pakistan and is proud to be a part of the Government’s Computer Literacy Program aimed at preparing the younger generation to meet the challenges of tomorrow. UBL, the leading user of Computer Technology in the Banking Sector has set up most modern facilities at Muzaffarabad, Azad Kashmir, and Sheikhupura for imparting training to the educated youth under the Government’s Computer Literacy Program. These centers are equipped with state of the art hardware and audio-visual aids and are manned by experienced professionals. Staff Colleges of UBL The UBL has three staff colleges, which are generating banking trained personnel. These colleges are at Karachi, Lahore and Rawalpindi, established in 1964, 1978 and 1977 respectively. These staff colleges are providing facilities of training to the employees of the bank so as to meeting the growing need of the banking field and coping with the changing environment of the country. UBL Sports Complex In addition to providing professional banking services, the bank continued to play an important role in the promotion of sports in the country. Towards this end, the bank has already constructed a big sports complex in Karachi, where all types of facilities for sports like cricket, hockey and flood light courts for tennis and basketball have been provided. Corporate Banking Our mission is to serve all your corporate needs and ensure your full satisfaction through product innovation, personalized banking, and top notch service. The CBG department of UBL defines corporate banking in Pakistan. Amongst the local banks UBL CBG is the pioneer in providing innovative solutions to its diversified and satisfied customer base. UBL CBG is considered to be a major player in the financial market of Pakistan. The Corporate Banking Group focuses on attracting and servicing large portfolio customers. Our forte is providing exemplary customer service using the Single Window concept and product superiority. The Relationship Management team manned by highly qualified individuals from the industry has steadily expanded our customer base and continues to enhance our cordial relations with our esteemed clients. Despite the sluggish economic growth in recent years, UBL outperformed all the other local banks in the corporate banking sector primarily due to CBGs emphasis on establishing and enhancing relationships with foreign/local blue chip and middle market customer’s thereby capturing significant market share. UBLs appetite for large exposures coupled with dedicated Structured Finance Unit, and an innovative team of professionals having extensive experience of Corporate Banking gives it the right platform to succeed in todays competitive and a demanding environment. The success of CBG has been established from the fact that UBL received the No. Euro money 2000 Best Local Bank award and recognized it to have out performed all other banks. In year 2000, UBL was also voted as the best Corporate Bank by the customers of a major foreign bank in a survey. Aggressive marketing combined with professionalism has led to an increase in UBLs market share with top corporate customers and in some cases replacing Foreign Banks. Presently, its portfolio includes the quality names in the country, which were initially confined to foreign banks only. Customer Service CBG – Offers full spectrum of services |[pic] |  | Relationship Banking This forms the pillar of our strategy as it is the primary tool towards providing you full satisfaction. Relationship Banking involves: ? Assessing and understanding customer needs ? Providing you advice on your business needs ? Helping you find viable financial solutions for your business problems ? Acting as the primary contact for you Customer Service We believe in customer retention through quality service that would encourage you to continue to bank with us your loyalty. Our UNISERVICE concept strives to attain excellence in customer service. We aim to provide total customer satisfaction through UNISERVICE, which will soon be available at our full-service branches covering: ? Trade finance ? Letters of Guarantee ? Letters of Credit Funds Transfer ? Remittances ? Bill Discounting ? Export Financing ? Credit Extension Product Range When you come to UBL, you get a full range of Products and Services to choose from: Corporate Finance ? Loan Syndication ? Structured Finance ? Term Fi nance Certificates Finance/Credit Extension ? Local Currency Facilities ? Overdrafts ? Demand Finance ? Working Capital Finance ? Import Financing ? Receivable Discounting ? Pre and Post Export Financing ? LMM Funding Trade ? Documentary Letters of Credit ? Standby Letters of Credit Guarantee ? Documentary Collection ? Funds Transfer Investment/Cash Management ? Current PLS Accounts ? Foreign Currency Cash Collection ? Utility Bill Collection ? Capital Market Hybrid Products ? FX Spot, Forwards and Hedging ? Rice/Cotton Financing for Ginners Investment Banking UBL IBG is now known as UBL Fund Manager (UFM). UFM specializes in providing innovative  and unique advice to its clients to  assist them in meeting challenges in an ever-changing market UFM consists of twelve dedicated professionals supported by over 30 relationship managers in six different locations. Rich execution experience ensures  seamless deal closures currently in the process of setting up  fund management f acilities. An active player in the market Current mandates add up to over Rs. 6 billion a healthy mixture of structuring,  advisory and project finance business either leading or participating in almost all the major TFCs Greater flexibility in deal structuring due to access to UBL’s financial resources Close liaison and top-level contacts  with Ministry of Finance, Securities and Exchange Commission of Pakistan,  Karachi Stock Exchange, State Bank of  Pakistan for swift execution Services [pic] Overseas UBL, with an integrated network of over 1400 branches globally, with 19 overseas locations, gives you direct access to a comprehensive range of better banking facilities to help you monitor your business internationally. We have branches in: ? United States of America ? Qatar ? UAE ? Bahrain ? Republic of Yemen Off Shore banking Unit and subsidiaries in: o United Kingdom o Zurich Credit Administration section When the credit facilities are approved then work of credit administration department starts. It performs two functions: †¢ Pre-dispersal function (before advancing facility) †¢ Post-dispersal Function (after credit facility is dispersed) It keeps three sections named as: †¢ Processing Section †¢ Documentation Section †¢ MIS (Management Information System) Section Relationship managers (RM’s) bring cases from customers and present to RCAD. RM’s have direct contact with customers. Case first comes to Processing Officer who checks the necessary prudential requirements if so then case is forwarded to Risk Management Department (RMD) otherwise send back to ( RM) to fulfill necessary requirements. Risk Management Department (RMD) verifies attached documents and send back documents after risk analysis and mention how much loan is to issue (under SBP limitations). Documentation Officer verifies the originality of documents attached and finally DAC (disbursement authorization certificate) is issued to customer. MIS keeps record of the customer in computer. And customer account is opened in the UNI bank (it is also software which keeps record that how much loan the customer has availed). Under mentioned process flow diagram present the right picture. Process Flow Diagram of Loan Disbursement [pic] My Learning as an Internee [pic] My Learning in the bank I worked in credit departments Credit Department Deposits are the liabilities of bank while advances are the assets of the bank. To balance these two sides, bank attracts the current as well as prospective customers to deposit their savings by offering high rate of interest/ profit, while in order to increase its assets, bank attracts its customers by Corporate Banking Group (CBG). The Corporate Banking Group at United Bank Limited is dedicated to providing its clients the highest level of service possible. United Bank Limited is dedicated towards developing relationships with corporate clients to service their financial needs worldwide. The Corporate Banking Group manages a high quality asset portfolio being an active player in many sectors including textile, sugar, leather, pharmaceutical, fertilizer, petrochemical, power, automotive, telecommunications, oil and gas distribution, marketing and refining and fast moving consumer goods industries. United Bank Limited offers a full range of financial services to support any or every part of a customers’ business transaction. Each solution is tailored to meet their specific business objectives. Working Capital / Term Loan Corporate banking group works closely with customers to understand the dynamics of their business so that it can anticipate and serve short-term and long-term funding needs in the most efficient manner, drawing from the full range of its resources and capabilities. Small and Medium Enterprise Group SME Group strives to apply a unique blend of finance, industry and technological expertise to keep pace with dynamic markets and translating insights into solutions that meet diverse financial needs. Documents Required for Providing Credit facility All facilities whether long or short term in nature is reviewed annually to evaluate that how a borrower has performed during its most recent fiscal year. Such reviews are conducted based on written analysis. Such analysis communicates to the credit approving officers the information needed for arriving at a credit decision. A credit presentation package consists of the following documents: ? Credit Approval (CA) ? Obligor Risk Rating Form ? Basic Information Report ? Borrower Basic Fact Sheet ? Financial Spreads ? Financial Projections (For Term Financing) ? Credit Memorandum ? CIB Report checking ? Bank/Market checking Credit Approval Package (CA) CA form is a complete document in which RM describes true position of the company. This form once completed summarizes the aggregate credit risk being approved, description of individual credit lines, and details of security obtained against each line. Credit application has two parts, in the first part we define the facilities which we provide to the customer. Like ? NICF (Hypo) ? NICF (Pledge) ? LC (Letter of credit) ? LG (Letter of Guarantee) ? FE 25 Second part of credit application consist of ten contents which describes way we giving felicities to customer. Purpose of submission / synopsis of transaction ? Industry / Strategy ? Financial Analysis ? Security Support ? Probability of Default ? Sources of Repayment ? Key Risks along with mitigating factors ? Relationship Strategy ? Conclusion Approver’s Comments / Observations In each of above content we have to write clear description about the customer Borrower Basic Fact Sheet (BBFS) It’s the responsibility of relationship manager at credit department to collect as much information about custome r as possible at the time of initiation of a relationship. BBFS consist of true information about the customer, board of directors and their residential addresses. Basic information Report (BIR) It consists of industry information. If it is a group of companies, partnership or private limited then it consists its business code. It also provides actual business address, phone number, industry name etc. MIS officer consider BIR while putting informations in CARS (Credit Analysis and Reporting System) Obligor Risk Rating Form (ORR) This form enables to weigh all United Bank Limited credits regardless of type, nature, or location of the borrower. Risk ratings are assigned on an obligor level on a scale of 1 to 10, 1 being the highest quality risk and 10 being the lowest, classified as doubtful of recovery. Risk Ratings are assigned and approved when credit is initially extended and is updated annually. Risk rating is also reviewed immediately and accordingly adjusted, if necessary, whenever there is a material adverse event such as adverse classification of the credit facilities. Financial Spreads Purpose of this form is to meet financial analysis requirements. This form consists of five pages, which are developed on â€Å"Excel† system. A summary of financial statements is automatically generated which also provides key financial indicators, growth historic patterns, and ratio analysis. Relationship manager analyzes three years historic audited-financial statements, as well as the recent financial statements. Financial Projections Financial projections are prepared by customers, which forecast their performance in near future. Financial projections help credit department to determine the expected assets and liabilities position and cash generating ability to repay debts. Credit Memorandum Credit decisions are made on the basis of the contents presented in this document. Credit memorandum is prepared with precision and accuracy of information. A well-structured credit memorandum usually evolves around the following topics: †¢ Purpose of presenting the credit memorandum †¢ Relationship background of borrower with United Bank Limited †¢ Relationship profitability †¢ Relationship strategy †¢ Management assessment †¢ Financial Analysis Bank/Market checking These checking provide unbiased information about borrower, which is obtained, from his customers, competitors, and suppliers. Credit checking on borrower is also obtained by manager from his bank. CIB (Credit Information Bureau) Report Checking CIB report depicts that how much customer has availed exposure from different banks allover Pakistan. UBL is one of few banks of Pakistan which has centralized information reporting system i. e. CARS and CREAMS. Through CARS data is directly reported to State bank of Pakistan. State Bank carries informations from all of the banks in Pakistan and shows full exposure of the very customer in CIB report. Covenants Check-offs In term lending multiple covenants, financial as well as qualitative, are imposed by lenders. At the time of annual review of the term facilities it is checked that if borrower adheres to these covenants. Steps involve in Credit advancement process includes: †¢ Customer relationship (customer must open current account with the bank) †¢ Customer’s facility request †¢ Credit application †¢ Facility offer Types of Loans Basic purpose of credit department is the advancement of loans to its customers. Loans are basically of two types: Funded Facilities In funded facilities bank’s cash is physically involved. Funded facilities include: Running Finance Term Finance Finance against Bill Purchased (FBP) ? FBP (Own Acceptance Purchase) ? FAFB (Finance against Foreign Bill) ? Export Refinance Part-I SBP (pre-shipment) ? Export Refinance part-I SBP (Post-shipment) Export Refinance part-II (SBP) ? Forced Acceptance ? FIM (Finance against Imported Merchandise) ? FATR (Finance against Trust Receipt) ? Dollar Financing (Pre-shipment) Non-Funded Facility In non-funded facility bank’s cash is not physically involved. Non-Funded facilities include: o Sight L/C o Usance L/C o Acceptance o Guarantee (L/G) Term Finance It’s a long-term finance facility, which is acquired to purchase fixed assets of a business. Customer borrows from bank a fixed amount repayable either in periodic installments or in lump sum at a fixed future time. Utilization of term finance decreases with the payment of installments. Payment tenor ? I year Over 1 year ? 1-5 years Syndicate Financing Such financing is used to finance some mega project. Equity of the firm is considered when providing this type of financing. The credit-requesting firm must maintain its 40% equity. To meet remaining capital requirements the firm signs a syndicate in which three or four banks jointly finance the project. One of these banks will be the leading bank, which contributes major portion of financing. So the leading bank has the major share in the installment amount received from the borrower. Money Market Deal It’s term finance. This type of financing is between banks. Diff erent banks interact with one another. If a bank has more over night funds available, which are not in use, then banks offer different rates to lend or to acquire those extra funds. Finance against Foreign Bills (FAFB) When the exporter needs finance before the payment date, he can give the bill of exchange to the negotiating bank and get the finance against that bill. In this case the bill is given as security. Ownership is not transferred to the bank. FAFB is the post -shipment finance. Foreign Bills Purchased (FBP) When the bank purchases the bills then ownership/title of security is transferred to the bank. So the bills become the property of the bank. Finance against Imported Merchandise (FIM) This type of finance is related with sight L/C. in this type of finance, the goods imported are taken by the importer’s bank as the security. As the demand for goods arise, the importer get the units of goods according to the demand from bank and pays markup and amount for that much amount of goods. Finance against Trust Receipt It is also related with sight L/C. when the goods arrive at the port, then in order to release the goods, the importer needs documents. If the importer has not yet made payments then the importer’s bank gets a Trust Receipt signed by the importer for the time period for which the bank, for releasing the goods, gives the documents to him. It’s a strong legal document. If the importer refuses to make payment after getting his goods, then the bank against him can take a strict legal action. Collateral/Securities Collateral is the amount of assets the applicant has available for use in securing the credit. The larger the amount of the available assets, the greater the chance that a bank will recover its funds if the applicant defaults, A review of the applicant’s balance sheet and any legal claims filed against the applicant’s assets can be used to evaluate the collateral. Types of Securities Pledge Pledge is the advancement of loans against the security of current assets i. e. inventory, trade receivables. In this type of security the ownership and possession of the security is with the bank. Mortgage In this type of security, the credit is given against immovable property i. e. land, building. Bank has the right to sell the property if the payment is not made. Types of Mortgage †¢ English Mortgage †¢ Equitable Mortgage †¢ Token Registered Mortgage †¢ Full Registered Mortgage English Mortgage In this type of mortgage the mortgagor (applicant) binds himself to repay the mortgage money on a certain date, and transfers the mortgage property absolutely to the bank. The banks will re-transfer both the possession and ownership of that property upon the payment of the mortgage money. Full Registered Mortgage In this type of mortgage the applicant will fully registered his property. More commission is charged in this case. Token Registered Mortgage In this type of mortgage, small portion of the property will be registered with the registrar office while the remaining will be equitable mortgage. In this way less commission will be charged. Equitable Mortgage In this type of mortgage, the bank will take all the title deeds from registrar office. A memorandum of â€Å"Deposit of title deeds† is signed by the mortgagor in whom he mentions that he is giving his property as the security to the bank. After the bank takes title deeds there will be no copy of the title deeds with the registrar. In case of equitable mortgage the ownership is with bank and possession is with customer. Bank’s Lien Lien is the banks right to withheld property until the claim on the property is paid. In lien the borrower remains the owner of the property while the possession is with the bank. Bank has no right to sell the property. Hypothecation It’s a legal transaction in which the goods may be taken as security for a debt without transferring either property or possession to the lender. It’s a security against current assets. Security is granted by means of the letter of hypothecation. Charge Charge is the right of payment out of certain property. Charge gives the right of pledge, hypothecation, mortgage and lien. Banks have to register their charge/right with SECP (Securities and Exchange Commission Pakistan). SECP maintains the records of all the companies i. e. what are the assets of companies, their board of directors. Every limited company keeps its records with SECP Charge involves ranking. Pari Passu In ranking if the customer (company) has already taken loans from other banks then SECP ranks those banks. The settlement of the loan amount will be done according to the ranking of the banks. In case of Pari Passu the bank from which the customer is going to get facility is ranked equivalent to the first/highest priority bank. in this case the priorities of other banks will decrease. For this the customer has to obtain NOC (No Objection Certificate) from other banks. Guarantees A guarantee is the promise by one person, called the guarantor, to another for answering the present or future debts of a second person called the principal debtor. Types of Guarantees UNITED BANK LIMITED issues the following types of guarantees depending on the needs of the customers: ? Tender Guarantees (Bid bonds) ? Performance Guarantees ? Advance Payment Guarantees ? Financial Guarantees Letter of Credit International trade involves numerous factors such as payment for imports in the exporter’s country, shipment of goods within the limitations prescribed and difficulties of enforcing legal rights in the foreign country etc. Therefore, to overcome these impediments a system has been enforced, this system is represented by ‘Letter of Credit. The letter of credit is today the foremost way of financing international trade. In simple words, a letter of credit (L/C) can be defined as: â€Å"A bank’s written undertaking given to the exporter for payment of a certain sum of money on behalf of the importer provided the exporter tenders to the bank, or its overseas agents, the specified documents within a specified period in accordance with the terms of the undertaking†. There are four basic parties involved in an L/C: ? Importer ? Issuing Bank ? Exporter (Beneficiary) ? Beneficiary’s Bank Advantages of an L/C Following are some of the main advantages of a letter of credit: Since a letter of credit is opened only for the importers with established credit standing, the exporter is sure of receiving the price of his commodity and there is no need to check the credibility of the importer. †¢ An exporter may obtain necessary finance immediately on shipment under a letter of credit (through negotiation, OD Buying). †¢ A letter of credit may help the importer to meet its financial difficulties. He may obtain some finances against the L/C (as FIM, FATR etc. ). †¢ Similarly, an L/C enables the exporter to obtain finances from his bank, for the operations of production even before shipment (e. g. Pre-shipment finance). Forms of a Letter of Credit Revocable L/C â€Å"A revocable letter of credit may be amended or cancelled by the issuing bank at any moment, without prior notice to the beneficiary†. This form of letter of credit gives the buyer maximum facility but it places the seller in difficult position when the goods are in transit and the credit is revoked before the documents are presented and payment has not been made on presentation which is the cause of great loss to the seller. Irrevocable L/C â€Å"An irrevocable credit constitutes a definite undertaking of the issuing bank to accept and pay the bills drawn upon it so long as the terms and conditions stipulated in the letter are fulfilled†. This form of letter of credit can be amended or cancelled only with the agreement of all parties to it. Therefore, it gives the seller complete protection. In Pakistan, all banks including united Bank are permitted to open irrevocable L/C’s only. Confirmed Unconfirmed L/C’s A confirmed credit is the one that has been confirmed by the advising bank. By confirming a credit, the bank agrees to take the liability of making payment to the seller if the issuing bank defaults for any reason. â€Å"When an issuing bank authorizes or requests another bank to confirm its irrevocable credit and the latter has added its confirmation, such confirmation constitutes a definite undertaking of such bank (the confirming bank), in addition to that of issuing bank, provided the stipulated documents are presented and that the terms and conditions of the credit are complied with. † Whereas, an unconfirmed credit is one that exclusively depends upon the issuing bank’s obligation. The parties to the present day international trade transactions prefer a confirmed irrevocable credit because it is an instrument of highest quality which ensures the payment to the seller by the advising bank while the buyer is assured of receiving the documents of title to goods, as specified in the terms of credit. Types of a Letter Of Credit There are two main types of an L/C that are being practiced. Sight L/C â€Å"If the beneficiary of a credit is to obtain payment immediately on presentation of stipulated documents, it is a Sight Credit†. In this form of credit the exporter draws a sight or demand draft (DD) payable at the counters of the advising bank or the bank specified in the letter of credit. The draft (bill of exchange) is paid on presentation provided that all the other terms of the credit have been complied with. Usance L/C When a credit stipulates payment to the beneficiary upon the maturity of a bill of exchange drawn under the terms of the credit, it is an ‘acceptance credit’, ‘terms credit’ or Usance credit†. In this form of credit the beneficiary draws a draft for a particular Usance (e. g. 30, 60 or 90 days etc. ), payable upon either the correspondent bank or the issuing bank. In normal practices, UBL opens Sight L/C’s because in Sight L/C the importer first pays the L/C amount (invoice price) to the issuing bank and then gets the possession of documents. So the bank becomes secure in this way. L. C keeps Performa invoice which keep major essentials in bullets forms. Performa Invoice Its essential elements are written as; ? Seller company name Buyer company name ? Buyer and seller company’s bank’s names ? Commodity ? Quantity ? Unit price ? Total price ? Payment procedures ? Delivery ? Port of loading ? Port of destination ? L. C beneficiary (must be seller) ? Amount and quantity with percentage of error ? L. C expiry date ? L. C opening date ? L. C must be opened before expiry date ? Vessel ( ship’s name) Qualifications for an Importer to Get an L/C Issued A Letter of Credit cannot be opened on behalf of a person unless he fulfills the following requirements: ? The person must be an account holder of UBL. ? No person can be an importer without first being registered with EPB. So the person must have valid import registration with Export Promotion Bureau (EPB) of Pakistan. This registration is not necessary for those who have been exempted from it. ? The person must process a valid membership certificate of Trade Organization, licensed and recognized by Federal Government like a Chamber of Commerce. ? The person must possess a valid NTN (National Tax No. ) certificate. ? The person must have the Sales Tax Registration Certificate. ? Obtaining of Import License is no more required. Stock Reports Stock reports are sent by the external auditors which are registered evaluators to UBL. They evaluate stock of the company lying in the godowns. They give final words whether these following essentials are up-to-date. Fire extinguishers ? Stock replacement ? Godown condition ? Guard residence permanent or not ? Stock condition ? Tagging over the stock ? Evaluation of stock in terms of million rupee ? Insurance against fire and burglary MIS officer check these report s and inspect whether these amounts mentioned in the stock reports are according to the security issued. If above mentioned any thing is not up-to-date. Then the stock report is considered unsatisfactory and debit is blocked till the company corrects its unsatisfactory items. I separated the reports which keep the unsatisfactory items. CREAMS (Credit Risk Environment’s Administration Management System) UBL is from few Pakistani Banks which keeps centralized information system. CREAMS is one of them. CREAM is highly customizable and parameterizes able software. CREAM is developed with the ideology that it can operate in all parts of the world. Certainly there are different operational, monitoring and regulatory requirements depending upon the region where the bank is operating. Further more; a single bank may operate in more than one region of the world. Parameterization lets CREAM behave according to the requirement of the region. This customization is a one time initiative and once CREAM has the requisite information, it will behave according to the bank’s requirement. This section will explain the all CREAM setup screens one by one. It must be noted the once the Parameterization phase is completed by bank then bank must lock this section. That is only authorized person (Mostly Credit Head) can enter to this section, not every one who is using CREAM application. All the Screens below have some common buttons which is going to be explaining here once with their short cut keys. Action Buttons Add Button (Alt + A): Used to add a new record Edit Button (Alt + E): Used to edit an existing record. Delete Button (Alt + D): Used to delete a record Cancel Button (Alt + C): Used to cancel a ongoing action of add, edit. Navigation Buttons First Button (Alt+F): Used to see First record. Next Button (Alt+N): Used to see the next record of the existing opened record Previous Button (Alt+P): Used to see the previous record of existing opened record. Last Button (Alt+L): Used to see the last record. Print Button: Exit (Alt+X): Used to exit from the current screen. If any one of action buttons (ADD / Edit / Delete) is disable on any screen then it means that the user don’t have a right of that action. Working of CREAMS Its working is mainly divided into three parts ? Part-1(Setup( Parameterization) Section ? Part-II( Post Granting Section ? Part-III( Transaction Section Part-1(Setup (Parameterization) Section) This part consist of many set ups but most prominent are country, region, branch, currency, about credit policy, Collateral setup etc. About Document Linkage Screen Path: Setup(Documentation(Document Linkage Screen It is the main screen we define that against which entity (like Facility, collateral) which document we require. It depends on the bank’s policy and varies from bank to bank. For example if a bank says that for the facility â€Å"FE-25, they require the document â€Å"Dollar Demand Promissory Note†. For this We Use the following screen to link the Document Dollar Demand Promissory note† against the Facility â€Å"FE-25†. This Screen is used to Link a Document against the Following entities. ? Legal Status (Also Called Customer Type) ? Facility ? Collateral ? General [pic] Field Name |Description | |Document Name |Not Given by user here. Populated here from Document Setup | | |(Setup(Documentation Setup(Document Setup. ). select the document fro m the | | |list | |Critical |If the disbursement is not possible without receiving this document then | | |marks it as a critical here. |Legal status |If a document required against the legal status (Customer type like | | |Public Limited company) of a customer then select the type as Legal | | |status. When we select the legal Status then it will show the entire type| | |name on the right. So from there the user have to select the type name. | |Facility |If a document required against the Facility then select the type as | | |Facility. When we select the Facility then it will show the all | | |facilities on the right. So from there the user have to select the | | |Facility name | |Collateral |If a document required against the Collateral then select the type as | | |Collateral. When we select the Facility then it will show the all | | |Collaterals on the right. So from there the user have to select the | | |Collateral name | |General |If there is a general type of document then select it as general. | |Linkage Action(insertion |It means the document is required only once. | |Linkage Action(renewal |Do you u need this document on renewal of customer if yes then also | | |select it. |Linkage Action(Enhanced |Do you need this document on Enhancement if yes then select it also | |Linkage-(Manual Insertion |Tick this check box of if you want manually insert this document | |Linkage Action (OTT |Do you need any document on OTT if yes then also select it. | About Collateral Set up: Path: Setup( Parameters (Collateral( Collateral Type Screen Here we can add a new collateral accordingly banks requirement. Collateral is an extra comfort obtained by a bank from its customers requesting funded or unfounded facility from a bank. Collaterals are usually valued asset which the customer hands over to the Bank as an assurance for the Bank in case of a ny default. [pic] [pic] Part-II( Post Granting Section This section contains much more setup but two more important are customer setup and facility set up. Which are as follow: Path: Post Granting( Customer Setup [pic] Path: Post granting ( Approval Package ( Approved Facilities [pic] Part-III( Transaction Section When the User will select the action of Extension or Extending Current Expiry of an Approval Effects of this Action Current Expiry in Approval Record screen will be changed to New Expiry which you will enter using this screen. [pic] |Field |Description | |Action Taken |Extension | |Approval Authority |Selection of the Name of Approval Authority | |Action Date |Date on which Approval Action is performed on this Approval | |Approval Action Code |Its an informative field | |Action Description |User can provide any extra information related to this transaction | |Approval Current Expiry] Old Expiry |CREAM will retrieve its Current Expiry from the database | |New Expiry Date |User will provide new expiry date | View of the Screen When Action is blocked [pic] Field |Description | |Action On Facility |Select the action from the drop down menu list as â€Å" Blocked† | |Action Date |The date of action. | |Action Description |Give description if any about this action | |Customer Facility Action Code |An informative field | |Facility Name Description |An informative Filed. It will show the Name of Facility and its | | |Description . Comes here from Customer Facility Screen. | About Document Transaction Screen Path: Transaction ( General ( Documentation Transaction User can do the following actions against the documents which we have already defined against the entities Customer type, Collateral Type, Facility General [pic] CREAMS is very wide software and can’t be explained in short with full understanding. These snap shots show its major features. CARS (Credit Analysis Reporting System) Consumer blue forms are generated for individual and sole proprietorship accounts. I worked in CARS (business software). At initial stage, I worked over consumer blue forms and entered consumer record in the software. I was assigned work to enter record of various customers in the software and I fulfilled my duty diligently. Following details should be entered in the software. If single of them is missing, blue form is considered incomplete keeping insufficient data; ? New and old NIC ? Gender ? Customer and his/her father/husband name ? Date of birth ? Home address ? Business name and address ? Security which is to be pledged Account Tagging Account tagging is also a part of CARS. Parties which have availed loan facility from UBL are tagged in CARS with their specific accounts. In UBL indiviual and sole proprietor account is tagged with 6160777. While partnership, public and private limited accounts are tagged with State Bank of Pakistan (SBP) provided group and subgroup codes. Templates are provided by UBL from which we could check whether the account comes under indiviual or private limited option. After confirming from templates account is tagged under their respective heads. RM’s (Relationship Managers) when record informations of customers, they wrongly put the account numbers of the customers as; ? Tagged with tetra eight ? Tagged without tetra eight ? Wrongly tagged ? Indiviual ? Final tagged RM’s (Relationship Managers) some times due to negligence mention account numbers in above mentioned ways. The above mentioned account’s informations are as Tagging with Tetra eight As RM’s (Relationship Managers) by negligence, some times tag the accounts with tetra eight i. e. account number is shown as (8888). It is counted as wrongly tagged by CAR’S (Business software). Tagging without Tetra eight RM’s (Relationship Managers) sometimes mentiuon account without tetra eight (8888) and keep them blank or untagged. It is counted as wrongly tagged by CAR’S (Business software). Wrongly Tagged: RM’s (Relationship Managers) sometimes wrongly tag the account. It is counted as wrongly tagged by CAR’S (Business software). Indiviual RM’s (Relationship Managers) mention the account by individual’s account which is tagged by (6160777) in UBL. It is to tag indiviual and sole proprietorships by 6160777. It is counted as wrongly tagged by CAR’S (Business software). Final Tag When the account is tagged, it is final account and confirmed. There is no need to review but it may be that mistake is made in tagging. FRN Tagging FRN is a number which is made by joining branch number with account number. i. e. if account number is 3457896 and account is opened in branch number 28 then its FRN number will be 283457896. Each customer is also tagged with FRN number. Report Viewing CARS have also option to view many reports like account tagging summary, blue form, central liability report etc. Most common report is blue form. After construction of blue form its report is viewed and prints out is taken for record. Product, Solutions and Services [pic] [pic] [pic] [pic] [pic] [pic] UBL Wallet [pic] UBL Wallet ATM / Debit Card is all the convenience security you desire and the quality you deserve. This Wallet holds all the cash in your bank account. With UBL Wallet you can withdraw cash at ATMs any time, or make cashless purchases at outlets through the Debit Card facility. With no joining fee and an accompanying complimentary cardholder for your convenience, UBL Wallet has been designed to exhibit the best in features and facilities, as well as look feel. Because at UBL, you come first UBLs dedicated staff is at your service 24 hours a day, 7 days a week. You can call our contact centre at 0800-11-825 (Toll-Free), or you can simply pick up the telephone placed next to every UBL ATM and be instantly connected to our customer service representative via a hotline Online Banking [pic] With UBL’s state of the art online banking, you can access your account from more than 350 branches located in 71 cities across Pakistan. Your account gets to travel with you and can be accessed throughout Pakistan, Now UBL enables you to do all the following Transactions in minutes through designated online branches. Salient features of online banking are: ? Cash Deposit ? Cheques Encashment ? Stop Payment ? Account Statement ? Funds Transfer (Account to account / IBCA) UBL Credit Card UBL Credit Card Features Welcome to the world of UBL Credit Cards. Pakistan’s 1st Chip Credit Card that guarantees you both enjoyment and high value. It assures you global acceptability in more than 22 million establishments worldwide in 130 countries and in more than 12, 000 outlets within Pakistan The UBL Credit Card †¦.. Mazay Mein Raho. ? This unique high tech CHIP guarantees your security while conducting transactions within Pakistan and around the world. CHIP based credit cards have proven to be the most secure way of conducting credit card transactions globally. ? No more tedious points to accumulate or boring catalogues to redeem from. Win your prizes instantly! ? Visit selected UBL Chip Reward outlets and get exciting gifts on the spot. The more you visit, the more you get. All you do is dip the Chip to win free meals, free household goods, free electronic items, free clothes and a lot more. ? A Choice of Rewards Along with exciting Chip Rewards you has a choice between Free Road Miles and Free Talk Time. ? Spend Rs 5000 anywher e on your UBL Credit Card and get guaranteed 3 liters petrol free from any PSO outlet nationwide. If you spend more, you get more. So keep driving, keep smiling. [pic] Spend Rs 5000 anywhere on your UBL Credit Card and get guaranteed 30 minutes free. What’s more, you get a free Mobilink Postpaid Connection with your UBL Credit Card. If you spend more, you get more minutes. So talk freely, stay connected. [pic] UBL Business Partner [pic] UBL Business partner†¦ a complete solution to all your Business Financing needs, With UBL Business Financing facility, you can now take your business to greater and newer heights, and achieve the level of success that you truly deserve. UBL Business partner is a running Finance facility that not only provides funds for growth but also enables you to capitalize on profitable opportunities. With UBL Business partner, now you will surely say: Ab Hui †¦ Kamiyaabi Meri Manzill. What is Business partner? â€Å"It is a ‘Credit Line/ OD Facility’ against Residential Property. It is an evergreen credit line that the customer can use for his/her business expansion† TezRaftaar [pic] Free Doorstep Remitta

Synchronous Orbits of Communication Satellites essays

Synchronous Orbits of Communication Satellites essays Synchronous Orbits of Communication Satellites The orbits of communication satellites vary for the type of satellite it is. The type of satellite it is depends on the work it is designed for. For example spy satellites (and most of the LEO satellites) need to be close to earth to take clearer pictures. First to understand the elliptical shaped orbits of the communication satellites, one needs to know that an orbit is a regular, repeating path that an object in space takes around another one. There are several types of orbits. The most common orbits are the polar, geosynchronous, and sun-synchronous orbits. The more correct term is near polar orbits. These orbits lean over at an angle near 90 degrees. This allows the satellite to see almost every part of the Earth as the Earth rotates underneath it, while providing a better global view. It takes approximately 90 minutes for the satellite to complete one orbit around the Earth. The orbits of the satellites usually take place about seven hundred to eight hundred km above Earth. These satellites orbit around Earth going from pole to pole. A geosynchronous orbit (GEO) is a circular, low orbit (time) about Earth making a complete turn in 23 hours 56 minutes 4 seconds, about the same time it takes Earth to turn, so as the Earth spins, the satellite moves synchronously with it. Geosynchronous means "in time with the Earth." A spacecraft or satellite in geosynchronous orbit stays over the same line of longitude while being at 35,790 km above Earth. Often a satellite in geosynchronous orbit stays above the same spot on Earth. When this occurs, it is called geostationary orbit. This orbit is ideal for certain kinds of communication satellites, or meteorological satellites that have a job to do over one part of the world. Because of the fact that planets are not perfectly shaped, the third type of common orbits occurs as the orbit changes to the orbit of the sun, while moving...

32 Famous Quotes by the 40th President Ronald Reagan

32 Famous Quotes by the 40th President Ronald Reagan Ronald Reagan served two terms as President of the United States, from 1981 to 1989. He was also the oldest person ever elected President, which was an issue during both elections. Known as the Great Communicator, Reagan is often remembered for his quick wit and storytelling. Below you will find some of the funnier and more famous quotes by Ronald Reagan. Reagans Philosophy of Life My philosophy of life is that if we make up our mind what we are going to make of our lives, then work hard toward that goal, we never lose - somehow we win out.All great change in America begins at the dinner table. (Farewell Address to the Nation, delivered in the Oval Office on January 11, 1989)Life is one grand, sweet song, so start the music.I now begin the journey that will lead me into the sunset of my life. I know that for America there will always be a bright dawn ahead. (From Reagans letter announcing his Alzheimers disease to the American public on November 5, 1994)When you cant make them see the light, make them feel the heat.Education is not the means of showing people how to get what they want. Education is an exercise by means of which enough men, it is hoped, will learn to want what is worth having.Its true hard work never killed anybody, but I figure, why take the chance? (Gridiron Dinner on April 22, 1987) Well, Im Not Going to Make Age an Issue I did turn 75 today - but remember, thats only 24 Celsius. (Reagan right before he signed the Annual Economic Report of the President (February 6, 1986)Thomas Jefferson once said, We should never judge a president by his age, only by his works. And ever since he told me that, I stopped worrying.I want you to know that also I will not make age an issue of this campaign. I am not going to exploit, for political purposes, my opponents youth and inexperience. (During the Second Presidential Debate against Walter Mondale on October 21, 1984) Funny Quips as President I have left orders to be awakened at any time in case of national emergency, even if Im in a cabinet meeting.Before I refuse to take your questions, I have an opening statement.How can a president not be an actor? (Response by Ronald Reagan when asked by a reporter How can an actor run for President? during the presidential campaign in 1980) Humor Even After Being Shot Please tell me youre all Republicans. (Comment by Ronald Reagan to the surgeons who were about to operate on him after the assassination attempt on March 30, 1981)Honey, I forgot to duck. (Comment made by Ronald Reagan to his wife, Nancy Reagan, when she arrived at the hospital following the assassination attempt on March 30, 1981) Albert Einstein, Your Virtue, and Your Neighbors Job: Reagans View of Taxes and Economics Even Albert Einstein reportedly needed help on his 1040 form. (Address to the Nation on Tax Reform on May 28, 1985)A recession is when a neighbor loses his job. A depression is when you lose yours. And recovery is when Jimmy Carter loses his. (Labor Day Address at Liberty State Park, Jersey City, New Jersey on September 1, 1980)Balancing the budget is a little like protecting your virtue: You just have to learn to say no. (Remarks at Kansas State University at the Alfred M. Landon Lecture Series on Public Issues on September 9, 1982)Governments view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it. (Remarks to the White House Conference on Small Business on August 15, 1986) Tear Down This Wall! Communism and the Soviet Union Mr. Gorbachev, open this gate. Mr. Gorbachev, tear down this wall! (Speech at the Berlin Wall on June 12, 1987)How do you tell a Communist? Well, its someone who reads Marx and Lenin. And how do you tell an anti-Communist? Its someone who understands Marx and Lenin. (Remarks at the Annual Convention of Concerned Women for America held at the Crystal Gateway Marriott Hotel in Arlington, Virginia on September 25, 1987)If the Soviet Union let another political party come into existence, they would still be a one-party state, because everybody would join the other party. (Remarks to Polish Americans in Chicago, Illinois on June 23, 1983)I call upon the scientific community in our country, those who gave us nuclear weapons, to turn their great talents now to the cause of mankind and world peace, to give us the means of rendering these nuclear weapons impotent and obsolete. (Address to the Nation on National Security on March 23, 1983) Politics as a Profession Republicans believe every day is the Fourth of July, but the democrats believe every day is April 15.You know, it has been said that politics is the second oldest profession and Ive come to realize over the last few years, it bears a great similarity to the first. (Speech at Hillsdale College, Hillsdale, Michigan on November 10, 1977)Politics is not a bad profession. If you succeed there are many rewards, if you disgrace yourself you can always write a book. Government Is the Problem Governments first duty is to protect the people, not run their lives.​ (Speaking at the National Conference of the Building and Construction Trades, AFL-CIO on March 30, 1981)Government does not solve problems; it subsidizes them.Government is not the solution to our problem; government is the problem. (First Inaugural Address on January 20, 1981)Government is like a baby. An alimentary canal with a big appetite at one end and no sense of responsibility at the other. (Reagan during his gubernatorial campaign in 1965)Government always finds a need for whatever money it gets. (Address to the Nation on the Fiscal Year 1983 Federal Budget on April 29, 1982) Abortion Ive noticed that everybody that is for abortion has already been born. (During the Anderson-Reagan Presidential Debate in Baltimore on September 21, 1980)

Mask Research Paper Example | Topics and Well Written Essays - 1000 words

Mask - Research Paper Example Ergo, as social beings, we persistently and painstakingly strive to maintain a vivid distinction between our inner and outer selves. Thus, in ordinary day-to-day living, people take refuge in masks for a two-fold purpose: to ward off unpleasant social criticism and to gain social acceptance. In effect, a mask functions as a protective cocoon – one that serves to conceal the essential inner self of an individual that is wounded and crippled by: personal misfortunes, character deficiencies, moral failings and shameful or objectionable desires; thereby, projecting a well-integrated and a thoroughly appealing persona of the mask wearer in front of the outside world. This premise will be substantiated through the following discussion. It is note-worthy that offenders or serial killers frequently resort to the use of masks or personas to avoid legal persecution and penalty. For the notorious Ted Bundy, the varied social disguises assumed by him, facilitated him in embarking on a journey of unrestrained violence and horrific homicides. What surprises one in Bundy’s case is the incongruity that existed between his pleasant and charming demeanour as a college student and his hauntingly lustful obsession with committing atrociously heinous murders of defenceless and vulnerable women. He himself claimed that, â€Å"I grew up in a wonderful home with two wonderful and dedicated parents†¦We regularly attended church†¦I was a normal person†¦I led a normal life† (Bundy). However, this apparent normalcy displayed by Bundy was merely a representation of his pseudo self or the persona. It was a disguise adopted by him in order to overshadow the destructive tendencies tumultuously bubbling within h im. Similar to a predator waiting to devour its prey, Bundy would calculate every manipulative move in advance with immense precision. He paraded a highly likable persona of himself in front of his victims and his peers. In return, he was granted an

The Reflective Practitioner Essay Example | Topics and Well Written Essays - 2250 words

The Reflective Practitioner - Essay Example Since its debut, the social site has grown exponentially, becoming the model for many other social sites. A week after the billion dollar winner was released; three other Harvard students proclaimed thefacebook.com was a joint venture. However, by then, the ingenious internet site could not be detonated. FaceBook had become one of the largest social media sites in the world. By 2010, the site traffic was in the millions and still growing (Carlson, 2010). The United States courts would have to decide who had a right to rake in the huge profits. Until Facebook, the most sophisticated social websites were chat rooms running blogs in real time. The only personal space for users was an inbox and a small picture profile. Zuckerberg introduced a ‘wall’ concept, where users were represented in a much larger space. News feeds were added to traditional inboxes and favorites links. As the concept grew socially, naturally, businesses began to take notice. The extra room made it poss ible for businesses to build virtual billboards. Today, businesses capitalize on the massive connections obtained through a Facebook business page. If a 24 hour connection to billions of people around the world will build your business; climb aboard and build a Facebook business page, too. 1. Facebook for Small Business At least one billion people log on and interact through FaceBook, every day, all day, over the world. That’s over one billion reasons why your business should have a Facebook page. Everyone from recording artists to cooking gurus have packed up and moved into the world’s largest Internet community. The website continues to grow exponentially, connecting people and businesses. Even non-profit organizations have jumped on board to gain more exposure. Retailers of both products and services instantly become global by obtaining a website address and providing product, service, and contact information. In 2010, FaceBook launched the Small Business Saturday F acebook page, which pronounces the first Saturday following Thanksgiving as a special day for shoppers. Partnering with Twitter and American Express, the application was developed to draw shoppers and to polish small businesses with awesome applications and tools designed for eCommerce. The occasion is to encourage ‘small shopping’. Today, the the Small Business Saturday Page has received almost 3 million ‘likes’. Although nothing can guarantee 100% success or increased activity consistently for a long period of time, a FaceBook business page comes pretty close. Smart entrepreneurs know that capitalizing on massive Internet traffic and superior marketing tools is a formula for success. When you register your small business with FaceBook, the high traffic is already established and marketing tools are already in place to guide you. And the beauty of the entire concept is: it’s free. 2. Setting up Your Business Page Resist the urge to hire a contractor to build your Page. Building it yourself is simple and will reflect your personality, rather than that of a contractor. FaceBook Pages may be embedded with photos, videos, flash presentations and graphs, and direct links to other sites. Much like building a traditional web site, Facebook software and the help centre provide steps to build a business page that will grab the interest of many (FB, 2012). You may always revise your Page by omitting or adding items to improve appearance and make it more practical. As your business changes, so will

Immigration Paper Essay Example for Free

Immigration Paper Essay From the 1840s to the 1880s and again from the 1890s to the 1920s, immigrants poured into the United States for many different reasons. Immigrants were faced with challenges such as saving and spending money, blending with others and the Potato Famine in Ireland. Immigrants were treated differently on their appearances, the way they speak and customs they had. The potato famine in Ireland drove the Irish from their homeland to America. Some immigrants, English was a primary language, for others learning a new language would be difficult. Immigrants moved to America came to become successful people. In the mid 1800s, people wanted to find the best deals that they could, without spending all of their money. Document 1, the advertisement for cheap land illustrates one of the reasons why immigrants came to the United States. The land advertisement sold for as little as $8 and up to $12 an acre. Many immigrants were farmers and felt they could eventually become wealthy farming in Illinois. All immigrants struggled with surviving in the United States because of many different things. Immigrants faced challenges such as blending in with others. Document 2 demonstrates how the American Federation of Labor (AFL) wanted a restriction on immigrants entering the country. They wanted to make immigrants take an illiteracy test to determine whether they have education and what skills they have. To become a citizen, there were many different obstacles. Although many immigrants came to America by choice, some were without a choice. The Potato Famine in Ireland forced many to immigrate to America. The Potato Famine was a disease that made potato plants to rot in the ground, destroying many crops. Since they lost their main food source, they spent thousands of euros on grain from America to plant, to live off of. After unemployment, loss of money and less food to survive on, many of the Irish immigrated to the United States for money and a new way of life. Between the 1840s up until the 1920s, immigrants were becoming a big percentage of the population. Immigrants had to save money for rent, food and the lives of their families. Blending in with Americans was hard with a different language, culture, customs and way of life. The Irish were driven out of their country because of a disease in their main food source. Immigrants came to America to start a new life for their family, for new economic opportunities and better conditions.

Quit Your Job - Buy and Sell Websites for a Living! :: Sell Websites Buy Websites

Quit Your Job - Buy and Sell Websites for a Living! Reprinted with permission of VotanWeb.com The stock market and real estate industry have long been populated by day traders and â€Å"flippers†, those that buy and sell in a short period of time in order to make a quick profit. In the real estate industry the life of a house flipper can be very appealing. Buy a renovator’s dream property at a discounted price, renovate and modernize it and then sell it at a few months later at a profit. This process can then be repeated over and over. Buying and selling businesses is appealing but given the high costs of making the purchase it is quite difficult to start, especially as a young entrepreneur. If you go wrong you may end up loosing a lot of money (just as you can with the stock market and real estate), so you really want to be sure of your skills and ability before investing. The Internet is very new and the whole online commerce industry is just establishing marketing practices that work. Quite frankly, most of the people running businesses online have very poor websites. A lot of people running popular sites are not taking advantage of their traffic by monetizing it (this could be by choice or ignorance). Making a profit may be as simple as implementing a smart AdSense campaign on a popular site after buying it from an owner wishing to move on to other things. Perhaps an e-commerce site could use some search engine marketing or some tweaking to an AdWords campaign might do the trick, or better still, monetize, optimize, affiliate and upsell for maximum gain - make use of all the marketing tricks at your disposal. I’m sure if we did some statistical sampling of the web industry search engine optimization techniques would be understood by a minority of webmasters and implemented well by even fewer. Search engine optimization is becoming mainstream and no doubt as the web continues to mature more and more people will study, test and build better websites, but it’s definitely still early days. What this says to me is â€Å"business opportunityâ€Å". For those with the know-how, the energy to implement and a little bit of funds to buy the sites there are big gains to be made. What makes it even more appealing, especially for young or new entrepreneurs, is the price - we are talking about a lot less funds then it would take to invest in stocks, buy property or purchase a bricks and mortar business.

Emile Durkheim – Division of Labor

DIVISION OF LABOR IN SOCIETY The Division of Labor in Society by Emile Durkheim explains how in the modern societies the division of labor affects individuals and society contradicting Marx’s belief that the division of labor will all result to alienation. Durkheim argued that the division of labor is not necessarily â€Å"bad† for it â€Å"increases both the productive capacity and skill of the workman; it is the necessary condition for the intellectual and material development of societies; it is the source of civilization. More importantly, it creates a feeling of solidarity among the people. For Durkheim, the result of Division of Labor is positive for there is no need for competition in the sense of struggling just to survive but the division of labor may signify that there are sufficient material resources for all in the society, and in this division allows a certain form of cooperation and because people need each other this produces a solidarity in the society. *As we noted previously, Marx saw both alienation and class conflict as inevitable (or â€Å"normal†) in capitalist societies.By contrast, rather than seeing social conflict as a â€Å"normal† condition of capitalism, Durkheim maintained that anomie results only in â€Å"abnormal† conditions of overspecialization, when the rules of capitalism become too rigid and individuals are â€Å"forced† into a particular position in the division of labor. *Causes of Division of Labor: division of labor develops regularly as history proceeds. This fact certainly depends on causes that are likewise constant, causes that we shall investigate. † (p. 179). â€Å"THe increase in the DOL is therefore due to the fact that the social segments lose their individuality, that the partitions dividing them become more permeable. IN short, there occurs between them a coalescence that renders the social substance free to enter upon new combinations. † {p. 141} The key to the expansion of the DOL is the increase in social interaction, particularly functional differentiation. * This is what gives moral value to the division of labor. Through it, the individual becomes aware of his dependence upon society; from it come the forces which keep him in check and restrain him.In short, since the division of labor becomes the chief source of social solidarity, it becomes, at the same time, the foundation of the moral order. * Moreover, far from being trammeled by the progress of specialization, individual personality develops with the division of labor. To be a person is to be an autonomous source of action. Man acquires this quality only in so far as there is something in him which is his alone and which individualizes him, as he is something more than a simple incarnation of the generic type of his race and his group.The division of labor itself contributes to this enfranchisement, for individual natures, while specializing, become more complex, and by that are in part freed from collective action and hereditary influences which can only enforce themselves upon simple, general things. The most visible example of social solidarity that Durkheim mentioned was law. Law is the organization of social life in its most stable and precise form. The classification of law depends on the type of solidarity corresponds to it. The first type of law is the repressive law which imposes a fine or injury on the perpetrator.The second one is the restitutory laws which refer to restoring the previous relationship which have been disturbed from before the crime was committed. Repressive law tends to stay diffused througout the society, restitutory law works through more specialized bodies like in courts, magistrates and lawyers. *Despite the removed role of restitutory law from socirty, society still intervenes in restitutory sanctioning. The formation of a contract directly concerns the parties involved: nonetheless, id a contract has a binding forc e, it is a society which confers that force.If society does not give its blessing to the obligations that have been contracted, then these obligations are reduced to only moral promises. Hence the presence of society in restitutory law, although not necessarily felt, is nonetheless essential. negative control – regulations which make a person refrain from acting ex. do not help a farmere with his crop, simply prevent him from stealing his neighbor's positive control – regulations which make a person act ex. impose a certain method of farming upon a farmer. Mechanical Solidarity or solidarity by similarities, it is deeply rooted in everyone doing or feeling the same thing.It is the type of solidarity that is associated with repressive laws that corresponds to crimes resulting in repressive punishments. Durkheim pointed out in his book that how the repressive or penal rules demonstrates the strength of resistance of collective response to a crime. Thus it is now called c ollective consciousness which is the â€Å"totality of beliefs and sentiments common to average citizens of the same society forms a determinate system which has its own life. † Therefore, it is summarized as an act is only criminal if it offends the â€Å"strong, well-defined states of collective consciousness. *Mechanical solidarity is typified by feelings of likeness. Mechanical solidarity is rooted in everyone doing/feeling the same thing. Durkheim maintained that this type of solidarity is characteristic of small, traditional societies. In these â€Å"simple† societies, circumstances compel individuals to be generalists involved in the production and distribution of a variety of goods. Indeed, in small, traditional societies, specialization in one task to the exclusion of others is not possible because the society depends on each individual providing a host of contributions to the group.For instance, men, women, and children are often all needed to pick crops at harvest time, and all partake in the harvest-time celebrations as well. Durkheim argued that a significant social consequence of the shared work experience characteristic of traditional societies is a shared collective conscience. People in traditional societies tend to feel â€Å"one and the same,† and it is this feeling of â€Å"oneness† that is integral in the maintenance of social order. Yet, Durkheim saw that in large, complex societies, this type of solidarity was waning.In large, modern societies, labor is specialized; people do not necessarily all engage in the same work or share the same ideas and beliefs. *â€Å"Since the rules are inscribed upon everyone's consciousness, all are aware of them and feel they are founded upon right. † â€Å"Undoubtedly if an act is punished, it is because it is contrary to a mandatory rule, but this rule is not expressly spelt out. There can be only one reason for this: it is because the rule is known and accepted by ev erybody. † (p. 5) â€Å"we should not say that an act offends the common consciousness because it is criminal, but that it is criminal because it offend that consciousness. † (p. 42) [133] *What separates repressive law from civil law – law that simply restores previous order? First, recall that crimes are those things that affect the common consciousness: Thus, â€Å"†¦since the sentiments that crime offends within a single society are the most universally collective ones of all, since they represent especially powerful states of the common consciousness, they cannot possibly brook any opposition. †¦. e need a more violent form of satisfaction. † (p. 55) The kinds of offenses that give rise to repressive law assault transcendent values, â€Å"when we demand the repression of crime it is not because we are seeking a personal vengeance, but rather vengeance for something sacred which we vaguely feel is more or less outside and above us. † ( p. 56) At this point (right around p. 57 and 58), E. D. makes a subtle and important point. That punishing criminal activity reinforces the common consciousness. â€Å"Crime therefore draws honest consciousnesses together, concentrating them. † He provides an example.In a small town, everyone talks about the criminal scandal. Just like when horrible things happen in the news, we respond. By discussing the crime and punishment with people we know, we reinforce our opinion about the immorality of the action. â€Å"In short, since it is the common consciousness that is wounded, it must also be this that resists; consequently, resistance must be collective. † But why this resistance is organized remains to be explained. Historically, crimes were judged by the WHOLE people, then as society progressed, certain samples of people and judges took the place of the whole. bottom of p. 59) – the organization into courts is a division of labor response: the world got bigger, and needed more people to split up the work of policing the common consciousness. (Note, of course, that this is exactly the moment that greater individual variation in what, exactly, people have in common starts to magnify). â€Å"Thus, it is certainly the nature of the collective sentiments that accounts for punishment, and consequently for crime. † Organic Solidarity, on the other hand is characterized with the other type of law which is the restitutory law.Organic solidarity assumes that people are different from each other and they are interdependent with other forming a complex web of cooperative associations. Unlike the mechanical solidarity, the solidarity in this case is from each person cultivating individual differences and knowing that each one is doing something for the betterment of everyone. Moreover, Durkheim said that the organic solidarity arises only when the division of labor is spontaneous or voluntary. Because the division of labor is pushed too far the n it becomes dangerous for the individual for t may result to the isolation of in their special activity or skill. Thus making the division of labor a source of disintegration for the individuals and the society. *†Damages awarded have no penal character: they are simply a means of putting back the clock so as to restore the past, so far as possible, to its normal state. † (p. 69) †¢ Restitutory laws put the world back together — they restore what was before. †¢ Restitutory laws are not (usually) part of the collective common consciousness. Instead, they apply to very specific areas (corporate law, accounting law, housing law, contract law, etc. ) and, E. D. laims, a violation of such a law does not elicit the emotional need for expiation that a criminal offense does. â€Å"The idea that murder can be tolerates sets us up in arms, but we very readily accept that the law of inheritance might be modified, †¦. Since these prescriptions do not correspo nd to any feeling within us, an as generally we don no know their scientific justification, since this science does not yet exist, they have no deep roots in most of us. † [137] †¢ Since restitutory laws do not affect everyone, the solidarity that restitutory laws relate to cannot rest on a uniform similarity across everyone in the group. For Durkheim, organic solidarity refers to a type of solidarity in which each person is interdependent with others, forming a complex web of cooperative associations. In such situations, solidarity (or a feeling of â€Å"oneness†) comes not from each person believing/doing the same thing, but from each person cultivating individual differences and knowing that each is doing her part for the good of the whole. Thus, Durkheim argued that the increasing specialization and individuation so readily apparent in modern industrial societies does not necessarily result in a decline in social stability or cohesion.Rather, the growth in a so ciety’s density (the number of people living in a community) and consequent increasingly specialized division of labor can result in simply a different type of social cohesion. Abnormal Forms. (1) Anomic Division of Labor is cause by the lack of regulation or a weakened common morality that can occur in modern society. Usually surfaces when there are industrial or commercial crises or there are conflicts between capital and labor. Durkheim discusses conditions of the worker under capitalism and it somewhat very close to Marx’s description of lienation and exploitation. However, he says that situations like this are not in the normal form but is something resulting from an individual who does not have a sufficient vision of the whole process of production. (2) Forced Division of Labor is where the division of labor is not allowed to develop spontaneously and where some act to protect themselves and their positions. It is the consequence of a structural condition where t he distribution of social functions does not match to the distribution of natural talents. (3) Another Abnormal Form.Durkheim’s observation that the function of an organism can become more active only on the condition that they also become more continuous one organ can do more only if the other organs do more, and vice versa. When this continuity is missing then the functional activity of the specialized parts decreases, resulting in wasted effort and loss of productive capacity. Increased activity also results to a stronger bond of solidarity but when mismanagement arises, the activity of the worker is reduced, functions become discontinuous, and solidarity is destabilized.

Nurse`s Work

I am a staff nurse work at government sector at hematology department. My service as a staff nurse almost 4 years. This is my semester 2 assignment which is to write a case study for my patient. I choose a patient with diagnosis of aplastic anemia as my case study for this semester. Aplastic anemia is a one type of blood disorder. The body's bone marrow in which the soft tissue in the center of bones doesn't make enough blood cells. (Bennington-Castro, 2015) . Our blood is composed of three types of blood cells in a liquid called blood plasma which is red blood cells, white blood cells and platelet. Red blood cells help to carry fresh oxygen to the body's cells and take carbon dioxide away from cells (and to the lungs to be exhaled).While the function of white blood cells is help to fight infections and foreign invaders. Platelets are disk-shaped cell fragments which help to form blood clots to stop bleeding. These blood cells have their own lifespan and die naturally, to be replaced by new blood cells formed in bone marrow. Without this replacement process, health issues involving the heart and lungs, bleeding, and infection can develop. As a nurse, we should be very careful when taking care of patient with aplastic anemia. The purpose of this paper is to examine an aplastic anemia patient with respect to review of subjective and objective data, determination of nursing diagnosis, formation of outcomes with interventions, evaluation of the outcomes that can be identified based on the patient's scenario. This paper will further discuss about the main risk problem that patient will be develop and the nursing intervention for the problem developed. (Knott, 2014) In his article:Epidemiology?The annual incidence of aplastic anemia is about two cases per million population.?Aplastic anemia is 2-3 times more common in Asia than in the West.?Acquired aplastic anemia most commonly presents between the ages of 15 years and 25 years but there is a second smaller peak in incidence after age 60 years.?Certain histocompatibility locus specificities, especially HLA DR2, are associated with an underlying predisposition to acquired aplastic anemia.Nursing assessmentSubjective dataMr. X is 57 years old gentleman, came from one of the island at Malaysia, was admitted from casualty into ward on 17/11/17 with complained of mild dizziness, gum bleeding the day before admitted but he stated that it resolve after brushing teeth. He denies any chest pain, palpitations, orthopnea, cough, fever, or chills. According to the Mr. X he has been diagnose as aplastic anemia since February 2016 from the BMAT result on Feb 2016. Patient also stated that he have known case of hypertension since 2012. According to the patient again he have previous admission on 17/5/17 till 10/6/17 for UGIB secondary to thrombocytopenia. On 20/7/17, he was admitted due to low platelet count and bleeding at gum. He was again hospitalized on 9/9/17 due to lot platelet count. Patient denies consume of alcohol and smoking. He claims that he has no family history of malignancy and bleeding disorder. According to the patient, he is allergy to the antibiotic penicillin which will make his body develop rashes and itchiness with mild short of breath but no known of food allergy. Currently patient claims that he staying with his wife and son.Objective dataPatient is alert, awake and oriented to self, place, and time. Full Glasgow coma scale noted (15/15). Upon physical examination, noticed scattered petechiae (pinpoint hemorrhages from arterioles or venules) at the buccal mucosa and over bilateral upper limb and lower limb. Vital sign taken during the admission (17/11/17) Blood pressure: 110/60mmHg Pulse rate: 100/min Respiratory rate: 20/min Underarm temperature: 37 degree Celsius Blood oxygen saturation (Spo2): 99% on room air Pain score: 1 Weight: 70kg Height: 162cm Body mass index (BMI): 26 Diagnostic lab taken during the admission (17/11/17). TEST RESULT Unit NORMAL RANGEHemoglobin (HGB) 7.8 g/dl 13.0-17.0Hematocrit (HCT) 22.4 % 40.0-50.0Platelet 4 10^3/uL 150-410White Cell Count (WCC) 1.3 10^3/uL 4.00-10.00Clinical progressReviewed by doctor in the ward, plan for 4 unit platelet transfusion and 1 pint packed cell transfusion, watch out for bleeding tendency and was started medication iv tranexamic acid 1g TDS and mouthwash tranexamic acid 10mls TDS. On the 19/11/17, 4 unit platelet transfusion done and no reaction noted during the transfusion. No sign and symptom of bleeding noted. Nursing Diagnosis The main nursing problem concern for this patient is risk of bleeding related to low platelet count follow by risk of fall related to dizziness. This paper will focus on risk of bleeding related to low platelet count based on the data collected. The nursing care plan will include intervention that is mostly to provide health education for the patient, bleeding precaution and bleeding reduction as well.Nursing Plan and InterventionFirstly, nurse should assess sign and symptom of bleeding. Assessment of skin and mucous membrane for sign and symptom of petechial, brushing, hematoma formation, oozing of blood is important because patient with low platelet count might experience bleeding into tissue. For my patient, I assess that he has scattered petechial (pinpoint hemorrhages from arterioles or venules) at the buccal mucosa and over bilateral upper limb and lower limb on the day of his admission. After been transfused 4 unit of platelet on 19/11/17 no more petechial noted at patient buccal mucosa while the petechial on the bilateral upper limb and lower limb is reducing. Beside this, monitor patient's vital sign is important especially blood pressure and heart rate to look for orthostatic hypotension. Tachycardia and hypotension are initial compensatory mechanisms always can noted with bleeding (Wayne, 2016). Marc Hemeryck, a Medical advisor General Practitioner ; Geriatrics also state that hemorrhaging from internal and external can cause low blood pressure, so the heart needs to boost its output by pumping faster, thus this form of tachycardia is a necessary means for the body to compensate for the lower blood flow. (â€Å"What are possible causes of tachycardia and hypotension?† n.d.) This is supported by  Ã¢â‚¬Å"a major injury or internal bleeding can quickly deplete an individual's body of blood and cause low blood pressure† (Saljoughian, 2014) which can s upport my statement. During the whole admission, 4 hourly vital sign was monitored and no abnormal reading noticed. Stool and urine should be inspect as well to look for any melena stool or hematuria. Melena stool may be a sign of bleeding from upper gastrointestinal (Ansari, 2016). Whereas hematuria may indicate bleeding somewhere along the urinary tract (Mandal, 2014). Mr. x have a normal bowel open, no melena stool noted and normal urine output with amber color urine noted. Lab result such as hematocrit and hemoglobin can be monitor because when bleeding is not visible, decrease of hematocrit and hemoglobin can be an early sign of bleeding (Gil Wayne, 2016). During admission, Mr. X hemoglobin level noted is 7.8, after being transfused of 1 pint packed cell hemoglobin increase to 9.0.Health care personnel should avoid intravenous or subcutaneous injection or rectal procedure such as enema and rectal temperature as possible as this can stimulate bleeding to patient and to reduce unnecessary bleeding (â€Å"Risk for Bleeding | Bleeding | Platelet†, 2012).   [Should have been cited as www.scribd.com/doc/97160447 (2012)] H If subcutaneous or intravenous procedure are needed for the patient, apply pressure to the puncture site. No subcutaneous procedure one to Mr. X but only intravenous procedure (set intravenous line) applied since medication IV Tranexamic acid was ordered by doctor. Whereas, body temperature was taken on underarm for Mr. X and no rectal temperature taken. Maintaining safe environment for patient such as raise side rail for confuse or restless patient, make sure floor is dry and have enough light can prevent patient from fall or injury. Mr. X is located at bed 12 which have adequate lighting and the floor at the ward always dry including the toilet. Medication adherence can help to reduce the risk of bleeding. Nurses should monitor patient to take his/her medication in the ward. I always make sure my patient to take his medication on time. Sometimes patient will request to take meal or to take bath before taking his medication and I will monitor again if the patient already take the prescribed medication. Heath education play an important role in our nursing. â€Å"It is a much better idea to avoid bleeding rather than having it and then trying to deal with it† (Naik, n.d.). For this case, nurses can educate patient about precautionary measures to prevent tissue trauma or disruption of the normal clotting mechanisms. In the Nurses lab risk for bleeding, by giving information to patient regarding precaution measures can decrease the risk for bleeding (Wayne, 2016). To maintain an oral hygiene, patient can use a soft-bristled toothbrush and nonabrasive toothpaste and avoid the use of toothpicks and dental floss. Mouthwash tranexamic acid are prescribed to Mr. X and he was advice to buy a soft-bristled toothbrush to use. Patient follow the advice given. Educate to the patient and family members about signs of bleeding such as petechial that need to be reported to a health care provider are vital as the health care provider can take early action and treatment for the patient which can reduce the complication from blood loss. Mr. X always been remind by staff nurses to inform if he notice any brushing in the body of gum bleeding while brush teeth. Educate to patient the important need to use water-soluble lubricants during sexual intercourse as lubricants are used to reduce friction and tissue trauma that increase the risk for bleeding. Mr. also being teach to use lubricants. Teach the patient about measures to reduce  constipation  such as increased fluid intake and dietary fiber. Hard and dry feces may cause trauma to the mucous membranes of the  colon  and rectum. Increasing fluid intake and dietary fiber soften the fecal mass for easier defecation. I advised my patient to take more vegetables and fluid intake to get easier defecation and Mr. x total fluid intake was around 1.5 litter per day. Educate patient not do heavy lifting, contact sports, or strenuous exercise as it may increase the bleeding tendency. Mr. X was always being advised not to do heavy lifting or strenuous exercise and he understand about that. Patient's daily activity at home include washing clothes and cooking. Patient should be informed to wear proper fitting shoes all the time both in and out doors to avoid cuts on their feet (â€Å"Learn about Managing Your Chemotherapy†, 2016). Mr. X are told to wear proper shoes and I noticed that patient always wear slippers i nstead of wearing shoes. Educate the patient and family members about limiting the use of herbal remedies that can increased risk for bleeding like dongquai, feverfew, ginger, ginkgo biloba, and chamomile). Most herbal preparations interfere with platelet aggregation through inhibition of serotonin release from the platelet. Other herbs increase the effect of antiplatelet and anticoagulant medications, thus increasing the risk for bleeding. The following herbs can increase the bleeding tendency to a low platelet patients (Peters, n.d.): GINGER- Ginger is for gastric, distress, migraines and headaches but it can interfere with platelet function.GINSENG- Use to treat colic, infections, aging, and stress. It can increase bleeding, and have side effects of nausea, headaches, and blood pressure changes.GINKO- Used to treat Alzheimer's and other memory disorders but it also been associated with excess perioperative bleeding.GARLIC- Garlic has been used as a medicine for centuries. It has been advocated for high blood pressure, fungal infections, heart attack and cancer. Consumption of garlic in high doses resulting in bleeding, nausea and vomiting as well as low blood sugar.Besides from herbal remedies, patient with high risk of bleeding should be very careful about their daily diet. Some food can lead to increase bleeding tendency.The Platelet Disorder Support Association (PDSA) states that the most common offenders for low platelet patients are foods that contain quinine (tonic water, bitter lemon, bitter melon), aspartame (diet soda, sugar-free and low-fat candy and cakes) or alcohol such as beer, wine, hard liquor (â€Å"Eating for Health†, n.d.). (Stein, 2017) Says â€Å"Leafy green vegetables and dairy product can help to reduce the risk of bleeding† in which this can support my statement. Leafy green vegetables are the best sources of vitamin K. The Platelet Disorder Support Association also recommends  foods like leafy green vegetables rich in vitamin K which is important for blood clotting and platelet creation. Chairman Tan, registered dietitian at Seventeen Nutrition Consultants advises: â€Å"Green leafy vegetables such as broccoli, spinach, kale, Chinese vegetables like choi sum and kai lan are rich with antioxidants and rich in vitamins and minerals which are believed to reduce inflammation and help increase platelet count. (South China Morning Post, 2018) Dairy products such as milk can help your blood clot because of their calcium. Calcium is an essential mineral at seven different points in the coagulation cascade that results in blood clotting when you've cut yourself, The Platelet Disorder Support Association recommends following an anti-inflammatory or macrobiotic diet to increase platelet counts. This diet focuses on whole grains, beans and vegetables and reduces animal foods. Sesame oil has properties that can increase the platelet levels. Two tablespoons of a natural sesame oil when taken orally twice a day, and even rubbing some externally on lymph node areas can help to increase platelet counts over a period of several weeks (SINGLETON, 2017).  I have told MR. X to consume more leafy green vegetables and drink more milk at home and I strongly remind him not to take herbs as it might increase the bleeding tendency and he claimed that he didn't take any herbs from others.EvaluationPatient being discharge on 20/11/17 with prescribed medication. Patient manage to get well and reduce bleeding tendency by adhere to the medication prescribed. Thus from here, nurses play an importance role in ensure patient is adherence to their medication to prevent bleeding for deteriorate. Beside for adherence to the medication, patient supposed to be advice to strictly follow the date given by doctor for their To Come Again (TCA) appointment to have regular blood checkup as this can detect early sign of bleeding. During the admission, patient not receive any injury like fall because the environment provided is safe for the patient. Patient aware that he cannot do any hard activities that might cause bleeding. This case study can managed to meet the desired goal.ConclusionAlthough aplastic anemia is consider incurable but the prevention of bleeding form aplastic anemia can reduce a lot of complication that can threat one's life. Hence patient must be instruct clearly about the adherence to the medication prescribed. Diet also play a vital role in reducing the bleeding tendency hence must be strictly implemented. Continuous of blood checkup must be strictly follow. Thus it is important to the nurses to provide a good heath education to the patient to increase patient awareness regarding the prevention of the bleeding that will take patient's life. Prevention is better can cure. We may never understand illnesses such as cancer. In fact, we may never cure it. But an ounce of prevention is worth more than a million pounds of cure. (Agus, n.d.). In writing of this case study, I feel happy that this writing meet the desired outcome. No further bleeding noted for my patient and no further deterioration condition developed. I have learnt many things after writing this case study and I hope that I can use it to others patient as well to increase their health and living. I have learn what intervention I should do while patient in the ward and what education I can give to patient when he discharge. I manage to know what diet are recommended to the patient and what diet are not recommended to the patient. I feel glad to write this case study because I able to use this knowledge from what I have learnt not only to teach my patient but also to share the knowledge among my colleagues to improve our nursing care. In future, to improve the nursing care and practice, nurses might can put a sign over the patient's bed as a reminder of bleeding precaution. This will make all the health care provider be more alert when handling to the patient. Besides that, those patient with high risk of bleeding can wear a bracelet as a sign of bleeding precaution to others as well. Environment also take a vital role in patient's safety. Nurses can advise patient and patient's family to create a safety environment such as put a holder in the bathroom as the floor wet and might easily fall down and not only focuses on the dry floor and adequate lighting. Creating a group of patient will high risk of bleeding can be consider as well. Nurses can gather them all and provide a health education to the patient. This can increase their awareness of the bleeding precaution. At the same time they can communicate and share their experience to reduce the risk of bleeding. I hope this will improve our nursing care and practice with a patient with high risk of bleeding tendency. Together we work to improve our patient's well-being and our nursing care practice as a professional nurse.