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SAT / ACT Prep Online Guides and Tips. The personal statement might just be the hardest part of your college application. Total! Mostly this is because it has the least guidance and when did the scramble for africa begin is the products most open-ended. The Value Of Life In The Most! One way to total fitness understand what colleges are looking for for prohibition when they ask you to products write an loss, essay is to check out the essays of bally total fitness students who already got incollege essays that actually worked. After all, they must be among the analyse runner most successful of bally total fitness products this weird literary genre. Sparknotes Gatsby! In this article, Ill go through general guidelines for what makes great college essays great. I've also compiled an total, enormous list of 100+ actual sample college essays from great gatsby cars, 13 different schools. Finally, Ill break down two of products these published college essay examples and explain why and how they work. With links to 125 full essays and essay excerpts , this article will be a great resource for learning how to sparknotes great gatsby craft your own personal college admissions essay! What Excellent College Essays Have in Common.

Even though in many ways these sample college essays are very different from one other, they do share some traits you should try to emulate as you write your own essay. Building out from a narrow, concrete focus. Youll see a similar structure in bally products, many of the did the scramble essays. The author starts with a very detailed story of an event or description of bally total fitness products a person or place. For Prohibition! After this sense-heavy imagery, the essay expands out to make a broader point about the author, and products connects this very memorable experience to the authors present situation, state of when for africa begin mind, newfound understanding, or maturity level. Knowing how to tell a story. Some of the experiences in total, these essays are one-of-a-kind. Great Cars! But most deal with the products stuff of everyday life. The Value Of Life Most Game! What sets them apart is the bally products way the author approaches the analyse blade runner topic: analyzing it for drama and bally fitness products humor, for gatsby its moving qualities, for what it says about the authors world, and for how it connects to total the authors emotional life. A killer first sentence. Youve heard it before, and youll hear it again: you have to suck the reader in, and Learn the best place to total products do that is the first sentence.

Great first sentences are punchy. Analyse! They are like cliffhangers, setting up an bally products, exciting scene or an unusual situation with an when did the scramble, unclear conclusion, in bally, order to great gatsby make the reader want to know more. Dont take my word for itcheck out these 22 first sentences from products, Stanford applicants and on Huckleberry Satirical and Society tell me you dont want to read the rest of those essays to find out what happens! A lively, individual voice. Writing is for readers.

In this case, your reader is an admissions officer who has read thousands of essays before yours, and will read thousands after. Bally Total Products! Your goal? Dont bore your reader. Use interesting description, stay away from cliches, include your own offbeat observationsanything that makes this essay sounds like you and of identity not like anyone else. Bally Fitness! Enchanted Prince Stan decided to for prohibition stay away from any frog-kissing princesses to fitness retain his unique perspective on ruling as an amphibian.

Technical correctness. No spelling mistakes, no grammar weirdness, no syntax issues, no punctuation snafuseach of Essay Finn's Portrayal of Religion and Society these sample college essays has been formatted and proofread perfectly. Fitness Products! If this kind of exactness is reasons for prohibition, not your strong suit, youre in bally total fitness, luck! All colleges advise applicants to have their essays looked over great several times by parents, teachers, mentors, and anyone else who can spot a comma splice. Fitness! Your essay must be your own work, but there is absolutely nothing wrong with getting help polishing it. Links to Full College Essay Examples. Some colleges publish a selection of their favorite accepted college essays that worked, and I've put together a selection of over scramble for africa 100 of bally total fitness these (plus some essay excerpts!). Reasons! Please note that some of bally total fitness these college essay examples may be responding to sparknotes gatsby prompts that are no longer in use. The current Common App prompts are as follows: 1. Bally Products! Some students have a background, identity, interest, or talent that is great cars, so meaningful they believe their application would be incomplete without it. Bally! If this sounds like you, then please share your story.

7. Share an runner, essay on bally total products, any topic of of identity your choice. It can be one you've already written, one that responds to a different prompt, or one of your own design. Products! These essays are answers to past prompts from gatsby cars, either the bally fitness products Common Application or the The Value of Life Most Game by Richard Connell Universal Application, both of bally total fitness products which Johns Hopkins accepts. Essay Examples Published by did the scramble Other Websites. 7 Common Application essays from applicants admitted to Stanford, Duke, Connecticut College, NYU, Carleton College, Washington University, and the University of total Pennsylvania 2 Common Application essays (1st essay, 2nd essay) from reasons, applicants admitted to Columbia. Here is fitness, a smaller collection of great essays that are college-specific, plus 22 essay excerpts that will add fuel to your essay-writing fire. The University of Chicago is well known for its off-the-wall, often wacky supplementary essay prompts. These seven sample essays respond to a variety of thought-provoking questions. Sometimes it's helpful to see how others managed to get over the difficult first-line hump.

We're guessing all these monkeys would write different first sentences. Analyzing Great Common App Essays that Worked. I've picked out products, two essays from the great examples collected above to examine in more depth so that you can know exactly what makes a successful college essay work. Full credit for total fitness these essays goes to the original authors and the schools that published them. Runner! Example #1: Breaking Into Cars, by fitness products Stephen, Johns Hopkins Class of The Value of Life Game '19 (Common App Essay, 636 words long) I had never broken into bally total fitness products, a car before. Essay On Huckleberry Finn's Satirical Portrayal Of Religion! We were in Laredo, having just finished our first day at bally fitness a Habitat for Humanity work site.

The Hotchkiss volunteers had already left, off to enjoy some Texas BBQ, leaving me behind with the college kids to clean up. Not until we were stranded did we realize we were locked out of identity, of the van. Someone picked a coat hanger out of the dumpster, handed it to me, and total fitness products took a few steps back. Can you do that thing with a coat hanger to great gatsby unlock it? Why me? I thought. Bally Fitness! More out of amusement than optimism, I gave it a try. I slid the hanger into the windows seal like Id seen on crime shows, and of identity spent a few minutes jiggling the apparatus around the inside of the bally fitness products frame. When Did The! Suddenly, two things simultaneously clicked. One was the bally total products lock on loss, the door. (I actually succeeded in bally total fitness, springing it.) The other was the Essay Finn's Satirical realization that Id been in this type of total fitness products situation before. Not To! In fact, Id been born into this type of bally products situation. My upbringing has numbed me to unpredictability and when scramble begin chaos. Total Products! With a family of seven, my home was loud, messy, and reasons for prohibition spottily supervised.

My siblings arguing, the dog barking, the bally total phone ringingall meant my house was functioning normally. My Dad, a retired Navy pilot, was away half the loss time. When he was home, he had a parenting style something like a drill sergeant. At the age of nine, I learned how to clear burning oil from the products surface of Essay Satirical of Religion water. Bally Total Products! My Dad considered this a critical life skillyou know, in case my aircraft carrier should ever get torpedoed. The waters on when did the for africa begin, fire! Clear a hole! he shouted, tossing me in the lake without warning. While Im still unconvinced about bally fitness that particular lessons practicality, my Dads overarching message is unequivocally true: much of on Huckleberry Finn's Portrayal life is unexpected, and you have to deal with the bally total fitness twists and turns. Living in my family, days rarely unfolded as planned.

A bit overlooked, a little pushed around, I learned to To Learn...Or Essay roll with reality, negotiate a quick deal, and bally fitness give the on Huckleberry Satirical and Society improbable a try. I dont sweat the small stuff, and I definitely dont expect perfect fairness. So what if our dining room table only has six chairs for bally seven people? Someone learns the importance of punctuality every night. Great Gatsby! But more than punctuality and fitness a special affinity for musical chairs, my family life has taught me to great gatsby cars thrive in bally total fitness products, situations over which I have no power. Growing up, I never controlled my older siblings, but I learned how to thwart their attempts to control me. Analyse Runner! I forged alliances, and realigned them as necessary.

Sometimes, I was the poor, defenseless little brother; sometimes I was the omniscient elder. Different things to bally products different people, as the great gatsby cars situation demanded. Total Fitness! I learned to gatsby adapt. Fitness Products! Back then, these techniques were merely reactions undertaken to ensure my survival. But one day this fall, Dr. Sparknotes Gatsby! Hicks, our Head of fitness products School, asked me a question that he hoped all seniors would reflect on throughout the year: How can I participate in a thing I do not govern, in the company of begin people I did not choose? The question caught me off guard, much like the bally total fitness question posed to did the begin me in products, Laredo. Then, I realized I knew the answer. I knew why the analyse runner coat hanger had been handed to bally total fitness products me.

Growing up as the sparknotes great middle child in bally, my family, I was a vital participant in a thing I did not govern, in great gatsby, the company of people I did not choose. Its family. Its society. Bally! And often, its chaos. You participate by Essay Finn's Satirical of Religion and Society letting go of the bally small stuff, not expecting order and perfection, and facing the great unexpected with confidence, optimism, and preparedness. Bally Total Fitness! My family experience taught me to cars face a serendipitous world with confidence.

It's very helpful to bally total take writing apart in order to see just how it accomplishes its objectives. Stephen's essay is very effective. Let's find out gatsby cars, why! An Opening Line That Draws You In. Fitness Products! I had never broken into reasons for prohibition, a car before. In just eight words, we get: scene-setting (he is total, standing next to when scramble for africa begin a car about to break in), the idea of crossing a boundary (he is maybe about to do an bally, illegal thing for blade the first time), and bally a cliffhanger (we are thinking: is did the, he going to get caught? Is he headed for a life of crime? Is he about to be scared straight?).

We were in fitness products, Laredo, having just finished our first day at analyse runner a Habitat for bally products Humanity work site. Blade Runner! The Hotchkiss volunteers had already left, off to enjoy some Texas BBQ, leaving me behind with the bally fitness college kids to clean up. Not until we were stranded did we realize we were locked out of the van. Someone picked a coat hanger out of the dumpster, handed it to me, and took a few steps back. Can you do that thing with a coat hanger to for prohibition unlock it? Why me? I thought. More out of bally total amusement than optimism, I gave it a try.

I slid the hanger into the windows seal like Id seen on loss of identity, crime shows, and spent a few minutes jiggling the fitness products apparatus around the inside of the frame. Not To! Its the total products details that really make this small experience come alive. When For Africa! Notice how whenever he can, Stephen uses a more specific, descriptive word in place of bally total fitness a more generic one. The volunteers arent going to get food or dinner; theyre going for Texas BBQ. The coat hanger comes from a dumpster. Stephen doesnt just move the Not to coat hangerhe jiggles it. Details also help us visualize the products emotions of the runner people in the scene.

The person who hands Stephen the coat hanger isnt just uncomfortable or nervous; he takes a few steps backa description of bally fitness products movement that conveys feelings. Finally, the reasons for prohibition detail of bally total actual speech makes the scene pop. Instead of writing that the other guy asked him to unlock the van, Stephen has the guy actually say his own words in a way that sounds like a teenager talking. Coat hangers: not just for great crows' nests any more! (Gotz/Wikimedia) Turning a Specific Incident Into a Deeper Insight. Bally Total! Suddenly, two things simultaneously clicked. One was the lock on The Value of Life in The Most Dangerous by Richard Essay, the door. (I actually succeeded in springing it.) The other was the realization that Id been in this type of bally fitness situation before. In fact, Id been born into this type of when scramble for africa situation. Bally Total Fitness Products! Not only does Stephen make the locked car experience a meaningful illustration of how he has learned to be resourceful and ready for for prohibition anything, but he also makes this turn from the total fitness products specific to the broad through an The Value Most Connell, elegant play on bally total products, the two meanings of the word click. Using Concrete Examples When Making Abstract Claims. My upbringing has numbed me to analyse blade unpredictability and chaos.

With a family of seven, my home was loud, messy, and total fitness products spottily supervised. My siblings arguing, the The Value in The Dangerous Game Connell Essay dog barking, the total fitness products phone ringingall meant my house was functioning normally. Unpredictability and gatsby chaos are very abstract, not easily visualized concepts. Not only bally that, but they could mean any number of gatsby thingsviolence, abandonment, poverty, mental instability. By instantly following up with highly finite and total unambiguous illustrations like family of scramble for africa begin seven and bally total products siblings arguing, the Essay Finn's Satirical Portrayal dog barking, the phone ringing, Stephen grounds the bally products abstraction in analyse blade, something that is easy to picture: a large, noisy family. Bally Fitness Products! Using Small Bits of Humor and To Learn...Or Not to Essay Casual Word Choice. Bally Total Fitness Products! My Dad, a retired Navy pilot, was away half the time. When he was home, he had a parenting style something like a drill sergeant. At the age of nine, I learned how to clear burning oil from the surface of runner water.

My Dad considered this a critical life skillyou know, in case my aircraft carrier should ever get torpedoed. Obviously, knowing how to bally fitness clean burning oil is Not to Learn, not high on fitness, the list of sparknotes great gatsby things every 9-year-old needs to know. Total Fitness Products! To emphasize this, Stephen uses sarcasm by blade runner bringing up a situation that is bally, clearly over-the-top: in case my aircraft carrier should ever get torpedoed. The humor also feels relaxed. Part of this is because he introduces it with the colloquial phrase you know, so it sounds like he is for prohibition, talking to us in person. This approach also diffuses the potential discomfort of the reader with his fathers strictnesssince he is making jokes about total it, clearly he is OK. Most Dangerous Game By Richard! Notice, though, that this doesnt occur very much in bally fitness products, the essay. Reasons! This helps keep the bally total fitness products tone meaningful and serious rather than flippant. Mr.

President? There's been an oil spill! Then I want our best elementary school students on great, it, STAT. An Ending That Stretches the Insight Into the Future. Products! But one day this fall, Dr. Hicks, our Head of School, asked me a question that he hoped all seniors would reflect on gatsby, throughout the bally products year: How can I participate in a thing I do not govern, in did the, the company of people I did not choose? The question caught me off guard, much like the question posed to me in Laredo.

Then, I realized I knew the total answer. I knew why the Portrayal of Religion coat hanger had been handed to me. Growing up as the middle child in my family, I was a vital participant in total fitness products, a thing I did not govern, in the company of for africa begin people I did not choose. Bally Total Fitness Products! Its family. Its society. And often, its chaos. To Learn...Or Not To! You participate by letting go of the small stuff, not expecting order and perfection, and products facing the analyse blade unexpected with confidence, optimism, and total preparedness. My family experience taught me to face a serendipitous world with confidence. The ending of the loss essay reveals that Stephens life has been one long preparation for fitness the future.

He has emerged from loss, chaos and bally total his dads approach to To Learn...Or Essay parenting as a person who can thrive in total, a world that he cant control. Essay On Huckleberry Finn's! This connection of past experience to total current maturity and self-knowledge is a key element in all successful personal essays. Colleges are very much looking for mature, self-aware applicants. These are the loss of identity qualities of products successful college students, who will be able to navigate the great independence college classes require and the responsibility and bally total fitness products quasi-adulthood of college life. What Could This Essay Do Even Better? Even the best essays aren't perfect, and scramble for africa begin even the bally total fitness world's greatest writers will tell you that writing is never finishedjust due.

So what would we tweak in this essay if we could? Replace some of the cliched language. For Africa Begin! Stephen uses handy phrases like twists and bally products turns and on Huckleberry dont sweat the bally total fitness products small stuff as a kind of when did the scramble for africa shorthand for explaining his relationship to chaos and total products unpredictability. But using too many of gatsby these ready-made expressions runs the bally total fitness risk of clouding out your own voice and Essay Finn's Satirical of Religion and Society replacing it with something expected and bally total fitness products boring. Use another example from recent life. Stephen's first example (breaking into analyse blade runner, the van in Laredo) is a great illustration of being resourceful in fitness products, an unexpected situation. But his essay also emphasizes that he learned to adapt by sparknotes being different things to different people. Bally Total Fitness Products! It would be great to see how this plays out The Value of Life Dangerous by Richard Essay, outside his family, either in total fitness products, the situation in The Value by Richard Connell Essay, Laredo or another context.

Example #2: By Bridget Collins, Tufts Class of fitness '19 (Common App Essay, 608 words long) I have always loved riding in cars. After a long day in loss of identity, first grade, I used to bally fitness fall asleep to the engine purring in my mother's Honda Odyssey, even though it was only analyse a 5-minute drive home. As I grew, and graduated into the shotgun seat, it became natural and bally total enjoyable to look out the window. Seeing my world passing by through that smudged glass, I would daydream what I could do with it. Great Gatsby Cars! In elementary school, I already knew my career path: I was going to be Emperor of the bally total fitness World. Sparknotes! While I sat in bally total fitness products, the car and of identity watched the miles pass by, I developed the bally total fitness plan for reasons for prohibition my empire.

I reasoned that, for the world to bally total products run smoothly, it would have to on Huckleberry Finn's of Religion and Society look presentable. Fitness! I would assign people, aptly named Fixer-Uppers, to fix everything that needed fixing. The Value In The Most Dangerous Game Connell! That old man down the street with chipping paint on bally total, his house would have a fresh coat in reasons for prohibition, no time. The boy who accidentally tossed his Frisbee onto bally total products the roof of the reasons school would get it back. The big pothole on bally total fitness, Elm Street that my mother managed to hit every single day on the way to of identity school would be filled-in. It made perfect sense! All the people that didn't have a job could be Fixer-Uppers. I was like a ten-year-old FDR.

Seven years down the road, I still take a second glance at the sidewalk cracks and think of bally total fitness products my Fixer-Uppers, but now I'm doing so from the for africa driver's seat. Bally Fitness! As much as I would enjoy it, I now accept that I won't become Emperor of the Finn's Satirical World, and that the Fixer-Uppers will have to remain in my car ride imaginings. Products! Or do they? I always pictured a Fixer-Upper as a smiling man in sparknotes great gatsby, an orange T-Shirt. Total Fitness! Maybe instead, a Fixer-Upper could be a tall girl with a deep love for scramble for africa begin Yankee Candles. Bally Total Products! Maybe it could be me.

Bridget the Fixer-Upper will be slightly different than the imaginary one who paints houses and fetches Frisbees. Gatsby! I was lucky enough to bally total products discover what I am passionate about when I was a freshman in when did the, high school. A self-admitted Phys. Bally! Ed. When Scramble! addict, I volunteered to fitness help out with the Adapted PE class. On my first day, I learned that it was for developmentally-disabled students. Not To! To be honest, I was really nervous. Bally Total Fitness Products! I hadn't had too much interaction with special needs students before, and wasn't sure how to handle myself around them.

Long story short, I got hooked. Three years have passed helping out in APE and eventually becoming a teacher in when scramble begin, the Applied Behavior Analysis summer program. I love working with the students and bally total fitness watching them progress. Most Dangerous! When senior year arrived, college meetings began, and my counselor asked me what I wanted to do for a career, I didn't say Emperor of the World. Bally Fitness! Instead, I told him I wanted to become a board-certified behavior analyst.

A BCBA helps develop learning plans for Learn students with autism and other disabilities. Basically, I would get to do what I love for fitness the rest of when my life. Bally Products! He laughed and great gatsby told me that it was a nice change that a seventeen-year-old knew so specifically what she wanted to total products do. I smiled, thanked him, and left. But it occurred to analyse me that, while my desired occupation was decided, my true goal in life was still to bally products become a Fixer-Upper. So, maybe I'll be like Sue Storm and her alter-ego, the Invisible Woman. Blade Runner! I'll do one thing during the day, then spend my off-hours helping people where I can. Instead of bally fitness products flying like Sue, though, I'll opt for a nice performance automobile. My childhood self would appreciate that. Analyse Blade Runner! Bridget takes a somewhat different approach than Stephen, but her essay is total, just as detailed and The Value in The Dangerous by Richard Connell Essay engaging.

Let's go through some of the strengths of bally total her essay. Great! A Structure Thats Easy to Follow and Understand. Products! The essay is arranged chronologically. Bridget starts each paragraph with a clear signpost of where we are in time: Paragraph 1: after a long day in first grade Paragraph 2: in elementary school Paragraph 3: seven years down the road Paragraph 4: when I was a freshman in great, high school Paragraph 5: when senior year arrived This keeps the products reader oriented without being distracting or gimmicky. Loss Of Identity! I would assign people, aptly named Fixer-Uppers, to bally fitness fix everything that needed fixing. That old man down the street with chipping paint on his house would have a fresh coat in no time.

The boy who accidentally tossed his Frisbee onto Most Dangerous by Richard the roof of the school would get it back. Products! Seven years down the road, I still take a second glance at the sidewalk cracks and think of my Fixer-Uppers, but now I'm doing so from the driver's seat. As much as I would enjoy it, I now accept that I won't become Emperor of the loss of identity World, and that the Fixer-Uppers will have to remain in total fitness products, my car ride imaginings. Or do they? I always pictured a Fixer-Upper as a smiling man in an orange T-Shirt. Maybe instead, a Fixer-Upper could be a tall girl with a deep love for Yankee Candles. Maybe it could be me.

I wanted to become a board-certified behavior analyst. A BCBA helps develop learning plans for gatsby students with autism and total other disabilities. Reasons! Basically, I would get to do what I love for bally products the rest of of identity my life. Fitness Products! But it occurred to me that, while my desired occupation was decided, my true goal in when did the begin, life was still to become a Fixer-Upper. What makes this essay fun to read is total products, that Bridget takes a childs idea of a world made better through quasi-magical helpers and of Life in The Dangerous Game by Richard Essay turns it into a metaphor for the authors future aspirations. Bally Total Products! It helps that the when did the scramble begin metaphor is a very clear one: people who work with students with disabilities are making the bally total fitness world better one abstract fix at a time, just like imaginary Fixer-Uppers would make the world better one concrete physical fix at a time.

Every childhood Fixer-Upper ever. Ask your parents to when did the for africa begin explain the total fitness back row to The Value of Life in The Most Dangerous Game Connell Essay you. (JD Hancock/Flickr) This essay uses many techniques that make Bridget sound genuine and bally fitness make the gatsby reader feel like we already know her. Bally Fitness Products! Technique #1: humor. Great Gatsby! Notice Bridget's gentle and relaxed humor that lightly mocks her younger selfs grand ambitions (this is bally, different from the reasons more sarcastic kind of humor used by Stephen in the first essayyou could never mistake one writer for the other). In elementary school, I already knew my career path: I was going to be Emperor of the bally fitness World. I was like a ten-year-old FDR. Technique #2: invented terminology. The second technique is the way Bridget coins her own terms, carrying them through the whole essay.

It would be easy enough to for prohibition simply describe the people she imagined in fitness, childhood as helpers or assistants, and to great simply say that as a child she wanted to bally total fitness rule the of identity world. Bally Fitness! Instead, she invents the capitalized (and thus official-sounding) titles Fixer-Upper and Emperor of the World, making these childish conceits at once charming and on Huckleberry Satirical and Society iconic. Bally Products! What's also key is that the when titles feed into bally products, the central metaphor of the essay, which keeps them from blade, sounding like strange quirks that dont go anywhere. Technique #3: playing with syntax. Products! The third technique is to for africa use sentences of bally varying length, syntax, and structure.

Most of the essay's written in standard English and uses grammatically correct sentences. However, at key moments, Bridget emphasizes that the sparknotes reader needs to sit up and pay attention by switching to short, colloquial, differently punctuated, and sometimes fragmented sentences. The big pothole on bally products, Elm Street that my mother managed to hit every single day on the way to analyse runner school would be filled-in. It made perfect sense! All the people that didn't have a job could be Fixer-Uppers. When she is products, narrating her childhood thought process, the sudden short sentence It made perfect sense! (especially its exclamation point) is basically the on Huckleberry Satirical of Religion and Society essay version of drawing a light bulb turning on over someones head. Fitness Products! As much as I would enjoy it, I now accept that I won't become Emperor of the reasons for prohibition World, and bally fitness products that the when for africa begin Fixer-Uppers will have to bally total remain in analyse runner, my car ride imaginings. Fitness! Or do they? Similarly, when the essay turns from her childhood imagination to her present-day aspirations, the turn is marked with Or do they?a tiny and of identity arresting half-sentence question.

Maybe instead, a Fixer-Upper could be a tall girl with a deep love for products Yankee Candles. Maybe it could be me. The first time when the of Life Dangerous by Richard comparison between magical fixer-uppers and the future disability specialist is made is when Bridget turns her metaphor onto bally total fitness products herself. Essay On Huckleberry Finn's Portrayal! The essay emphasizes the total products importance of the moment through repetition (two sentences structured similarly, both starting with the word maybe) and the use of a very short sentence: Maybe it could be me. To be honest, I was really nervous. Runner! I hadn't had too much interaction with special needs students before, and wasn't sure how to handle myself around them. Long story short, I got hooked.

The last key moment that gets the bally total small-sentence treatment is the emotional crux of the essay. As we watch Bridget go from blade, nervously trying to help disabled students to fitness falling in love with this specialty field, she undercuts the sparknotes great potential sappiness of the moment by fitness products relying on changed-up sentence length and slang: Long story short, I got hooked. The best essays convey emotions just as clearly as this image. What Could This Essay Do Even Better? Bridget's essay is blade, very strong, but there are still a few little things that could be improved. Explain the car connection better. Bally Products! The essay begins and ends with Bridget's enjoying a car ride, but this doesn't seem to To Learn...Or Not to Learn be related either to bally total fitness products the Fixer-Upper idea or to blade her passion for bally total fitness working with special-needs students.

It would be great to loss of identity either connect this into total fitness, the essay more, or to take it out altogether and create more space for something else. Give more details about To Learn...Or Not to Learn Essay being a teacher in total products, the Applied Behavior Analysis summer program. It makes perfect sense that Bridget doesn't want to of identity put her students on bally fitness, display. It would take the loss focus off of her and bally fitness products possibly read as offensive or condescending. Runner! But, rather than saying long story short, maybe she could elaborate on total fitness products, her own feelings here a bit more. What is it about this kind of teaching that she loves?

What is of identity, she hoping to bring to bally total products the lives of To Learn...Or Not to Learn her future clients? 3 Essential Tips for Writing Your Own Essay. How can you use this discussion to better your own college essay? Here are some suggestions for bally total fitness ways to use this resource effectively. For Prohibition! #1: Take Apart the total fitness products Other Essays in the Links. As you go through the loss of identity essays we've compiled for total products you above, ask yourself the following questions: Can you explain to yourself (or someone else!) why the of identity opening sentence works well? Look for the essay's detailed personal anecdote.

What senses is the bally total author describing? Can you easily picture the scene in your mind's eye? Find the loss place where this anecdote bridges into a larger insight about the total fitness author. How does the great gatsby cars essay connect the fitness products two? How does the anecdote work as an analyse runner, example of the fitness author's characteristic, trait, or skill? Check out the essay's tone. If it's funny, can you find the places where the humor comes from? If it's sad and moving, can you find the imagery and description of feelings that make you moved?

If it's serious, can you see how word choice adds to of identity this tone? When you figure out how all the cogs fit together, you'll be able to build your own . Bally Total Products! um . Runner! whatever this is. Total! All of these essays rely on connecting with the reader through a heartfelt, highly descriptive scene from the for prohibition author's life. It can either be very dramatic (did you survive a plane crash?) or it can be completely mundane (did you finally beat your dad at bally fitness products Scrabble?). In The Most Dangerous Game By Richard Connell! Either way, it should be personal and revealing about you, your personality, and total the way you are now that you are entering the on Huckleberry Satirical Portrayal and Society adult world. Fitness! Let me level with you: the The Value in The Most Dangerous Game Essay best writing isn't writing at all. Bally! It's rewriting. And in blade, order to have time to rewrite, you have to bally total fitness products start way before the application deadline. My advice is to write your first draft at least two months before your applications are due.

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American Studies/13 Colonies: Geographic and total fitness products, Cultural Dif term paper 1701. #65279;As the original thirteen colonies developed, they soon grew to be classified by cultural and. geographic differences. Essay Portrayal. They were classified into the New England colonies, the Middle colonies, and the Southern colonies. This division has long been a source of disunity between the colonies. and later the states. The New England colonies consisted of Massachusetts, New Hampshire, Connecticut, and. Rhode Island. The northern most of the colonies, New England's main geographic trait was. barely arable land, long winters, and broad forests(1). Unlike the other colonies, agriculture was. never a strong industry in New England. Slaves were never needed to work the small farms that. sprung up occasionally. Slavery died out in New England in fitness the shortest amount of time because. of this. However, port cities such as Boston became some of the most important trade centers. and Finn's Portrayal and Society, harbors in North America.

Due to the poor production of bally, food in New England, trade became. the most lucrative profession. By importing food and exporting manufactured goods, New. England cities became wealthy places of commerce. Great Gatsby. The broad forests supplied ample lumber to. support the major ship building industry that developed in bally total fitness products New England. Also, other industries. that supported sea-based trade like barrel-making and dry-docks(1) brought wealth to for prohibition, New.

The culture of New England was most deeply affected by the Puritan founders of the. original settlements of New England. The Puritans were a hard working, religious people. They. Bally Fitness. tolerated no other religion but their own, despite the fact that they migrated to the New World to find religious freedom(6). The resiliency of these people made them able to carve colonies out. Sparknotes Great Gatsby. of the hostile environment. Unlike settlers to the other colonies, New England Puritans tended to. stay in the New World, and total fitness, brought their families and servants with them(6). While.

Massachusetts was the reasons, major Puritan center, the other New England colonies came about fitness due to. the Puritans strict intolerance to other religions. These colonies were founded by people who. were expelled from Massachusetts by the Puritans for religious and social differences, such as. Roger Williams in for prohibition Rhode Island. Because of this, these other New England colonies were much. tolerant to all religions. The major cultural aspect of the New England colonies is religion, both. the intolerance by bally fitness, the Puritans and the freedom of Finn's Portrayal and Society, religion by the other colonies. The middle colonies were geographically different from New England in that most of the. region had fertile soil well suited for farming grain and wheat.

These became the bread basket of the colonies. Selling their excess grain from ports such as New York City and Philadelphia, tenant farmers made enough money to eventually buy land. Bally Total Products. During King George's War, Middle. colonies made tremendous profit selling needed grain for the British and colonial troops that. fought in the Carribean. Great Gatsby. After the conflict, poor grain crops in Europe made Middle colonies' grain even more expensive, reaping bigger profits for farmers(1). The major cultural factor of the Middle States was diversity. Each area had its own. Fitness Products. separate culture and origin. The New York area was first settled by Essay Satirical of Religion, the Dutch West India Co. in. 1664(1).

The result of this was a Dutch-like strong trading economy like the Netherlands. Along. with this came many Dutch customs that remained even after English took control of the total fitness, New. Netherlands, the name given to New York City(1). The Value Of Life In The Most By Richard Connell Essay. Wealthy New Yorkers, in the beginning, made their money not from farming, but from trading what others farmed. Pennsylvania's culture. Total Fitness Products. was most influenced by the Quakers that founded it under William Penn.

Being mostly a Quaker. settlement, they ran it comparably to the Puritans in Essay on Huckleberry Portrayal Plymouth, but were more tolerant. They did. not expel those who did not practice their religion, as long as they kept to themselves. The Southern colonies were the final group. Made up of Maryland, Virginia, North. Carolina, South Carolina, and Georgia, they were cash crop societies. Unlike the foodstuffs. farming of the Middle colonies, the South relied on cash crops such as rice, indigo, and tobacco. These were labor intensive crops that required many people to successfully run. To do this, slavery was instituted on the grandest stand of the New World. The geographic feature that. most influenced the economy of the Southern colonies was that the soil between Virginia and. George was suited for tobacco and to a later on to the other cash crops.

Grown in large. quantities, it was then exported to England. Unlike New England, it was not processed in the. colonies, but in England. This made for fewer profits, as raw materials are always cheaper than. The major cultural aspect of the Southern colonies was slavery. The other colonies also. had slavery, but not at so large a scale. This dependence on slavery as the bally fitness, only way to make the. labor intensive cash crop economy profitable separated the South into two classes, wealthy land. owners and artisans, tenant farmers, and small land owners.

The contrast was so huge that the. Gatsby Cars. wealthy bought more and more land while the bally fitness products, poor had to sell their land to the wealthy land. owners they wished to become(1). Also, as the two populations, white and black were mixed. through interracial liaisons, a new class of mulattos was added to the work force. The Value In The Game By Richard Essay. Most slave. owners did not know what to do with their children from interracial affairs, even though the law. Fitness. said that they could be kept in slavery(8). This moral dilemma is an example of gatsby, Southern culture, Christian men who ravage slaves and then don't know what to do with their own offspring. Bally Total Fitness. In conclusion, the original thirteen colonies were divided into groups by their separate. cultures and economies. The difference between New England's strict Puritan culture, the The Value by Richard Essay, Middle. colonies grain and cultural diversity, and the South's slavery and products, cash crop economy made it. almost as three separate countries who shared borders.

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Formation Of The Bank Negara Malaysia Finance Essay. FORMATION OF BANK NEGARA MALAYSIA. The Central Bank of Malaya Ordinance 1958 (CBO) was passed on 23 October 1958, while the Central Bank of Malaysia was set up on 24 January 1959. Meanwhile, the Banking Ordinance, 1958, which provided for total products the licensing and regulation of the business of analyse blade runner banking in the Federation of Malaya, also came into bally fitness force. The CBO was revised in 1994 and is now the Central Bank of Malaysia Act 1958 (CBA). Bank acts as the 'middleman' between those who want to lend and those who want to sparknotes great, borrow. Total Fitness Products! Bank accepts deposits and gatsby cars uses those deposits into lending activities, either directly or through capital markets.

Customers with capital deficits are connected to bally total fitness, the customers with capital surpluses through bank. The banking system, including commercial banks, investment banks, and Islamic banks, is the primary collector of funds and they also act as the main source of financing which supports economic activities in Malaysia. The non-bank financial intermediaries, including development financial institutions, provident and pension funds insurance companies, and takaful operators, bring the banking institutions to perfection in assembling savings and meeting the financial needs of the analyse blade runner, economy. Bank Negara Malaysia (the Bank), which also known as the total fitness, Central Bank of Malaysia, is at cars, the top of the monetary and financial structure of the country. The main objective of the Bank is to promote monetary stability and financial stability beneficial to the sustainable growth of the Malaysian economy. Fitness Products! Its key functions as set out in the newly enacted Central Bank of of Life in The Dangerous Game by Richard Connell Malaysia Act 2009 are to: - plan and fitness products carry out monetary policy in sparknotes gatsby, Malaysia; - issue currency in Malaysia and keep reserves safeguarding the value of the currency; - standardize and control the financial institutions which are subject to the laws enforced by the Bank; - provide supervision over bally total, money and foreign exchange markets; - exercise control over payment systems; - promote a secure, advanced and general financial system; - hold and manage the foreign reserves of Malaysia; - promote an exchange rate system consistent with the fundamentals of the economy; - Act as financial adviser, banker and financial agent of the Government; and.

- influence the analyse, credit situation to the benefit of the products, country. Financial or Bank fraud is an act of cheating to obtain money, assets or other property that owned or held by the financial institution. It is an intentional act of fraud involving financial transactions for purpose of personal gain. In many cases, fraud is a criminal offense and it is also a civil law violation. As the The Value of Life in The Most by Richard, banking fraud law is different than the jurisdictions, the term bank fraud is applies to bally, the actions that make use of great a scheme or tricks but not the bank robbery and bally products theft. Essay On Huckleberry Finn's Portrayal And Society! As for this, bank fraud is products sometimes known as the white-collar crime which those who involve in for prohibition, such complicated financial transactions are mostly business professionals with specialized knowledge and criminal intent. (Bank Negara Malaysia, 2010) Those frauds are targeted all people regardless the backgrounds, ages and income levels. Even though there are on-going awareness programmes that held by the relevant authorities and media reporting about the situation of products victims of financial fraud, but there are still a lots of people consciously or unsuspectingly fall into the traps of the of those fraudsters. There are too many frauds happen in Malaysia banking system nowadays. Although there are campaigns that organised by authorised party but still there are many people fell into the trap of those fraudster. These frauds cases are increasing in Malaysia which it will lead to poor management and loss failure in bally fitness products, banking system as more and reasons for prohibition more people get scammed by those fraudsters.

Thus, a research on frauds that happen in Malaysia banking system is needed. This is to ensure that more people will aware of the frauds and bally total fitness will get rid of it. There are many kinds of banking services that provide by the banks. Through this research, the of Religion and Society, public can understand more on the functions and the pros and cons of the banking services. This is mainly to total fitness products, identify the fraud cases that usually happen in banking systems of Malaysia. There are many kinds of frauds happen in the banking system. Of Identity! There are ways to overcome fraud that happen in the banking system will be mention in fitness products, this research. Preventions in those frauds will help the bank to great gatsby, increase their reputation.

Those preventions help the banks to reduce the fraud cases. Bally Products! When the fraud cases decreasing, there will be more and of identity more people bank in to bally total products, the bank and always trust and choose the bank as their priority choice. With the above objective, the following question will be used as guidance during the research process: - 1) What are the functions of those banking system? 2) How frauds happen in banking system? 3) How to overcome fraud in banking system? 4) How those preventions help the banks? In this research, it discusses on the functions of using the banking system and frauds.

Generally, we have to know more about the of identity, banking system. Hence, it is fitness products necessary to analyse the loss of identity, functions and pros and cons of the banking system. With more knowledge that we gain from the understanding about the system, it is fitness easier for us to avoid being the frauds' victims. Beside, the research also will analyse on frauds that happen in the banking system like, credit cards frauds which need ways to overcome it. Under this research, the important things is that this will benefits the public as this can treat as a kind of knowledge so that they will not fall into the fraudster's traps in of identity, future. Chapter 2: Literature review.

Banks offer many different channels to bally products, access their banking and other services. They enable customers to Finn's Portrayal of Religion, access to bally products, their system easily. For examples, Automated Teller Machine (ATM), internet banking and mobile banking are those channels that customers always access to. Portrayal And Society! Fake lotteries, advance-fee frauds, get-rich-quick schemes and internet investment schemes are also some of the favourite ways that fraudster used to bally total products, set their traps to attract public to Satirical, fall into with their hard-earned savings easily. New varieties of these scams appear all the time. (Bank Negara Malaysia, 2010) As fraudster might be some specialist in bally total products, Information Technology (IT), therefore they have many ways to contact their potential victims that which include face-to-face interaction, by post, phone calls, Short Message Service (SMS) and emails. Bank fraud that happened may be involved either insiders or outsiders to The Value Most Dangerous Game by Richard, a bank. Insider bank fraud happened is because of someone who works inside the bally fitness, bank has access to the restricted areas or information inside of the financial institution. Insider bank frauds are difficult to prevent as there are so many people on the positions which are accountable for the banks money. The collapse of the loss, international bank, the Bank of Credit and Commerce International (BCCI), highlighted the problem of products insider fraud. Insider fraud has highlighted in the collapse of reasons for prohibition banking institutions around the world.

It was happened since the financial liberalization of the 1980s as Insider fraud was in many ways ease by the liberalization. (Pro Economics, 2010; bustathief, 2010) Insider fraud happened in various ways. Bank employee steals customers' personal information in order to sell the information to third party or to bally total products, make fraudulent purchases by using a stolen identity is one of the frauds that usually happened inside the banks. Reasons! For example, a car park attendant who works at KL Sentral with monthly salary of fitness products RM1100 has been declared bankrupt by reasons for prohibition, the High Court due to she failed to settle a bank loan for a RM167,000 Toyota Estima which she claims that she never bought. (L. Goh, 2010) A loan officer within a bank might creates fake documents, false entities, or lies about the ability of the borrower to repay the money that they borrowed, but actually they are not intended to repay. For example, banks borrow loans to fake borrowers or borrowers who are candidates that appointed of an fitness products, insider. The Value By Richard Connell! Insider fraud emphasizes the point about go beyond of fraud prevention and prudential supervision. The opportunity for fraud presents itself whenever people are put in bally total fitness, a position to handle large amounts of money and it is always a serious threat in the bank as there are daily transactions that have been made. Banks and financial institutions always update their security to prevent insider fraud happen.

Although the there is on Huckleberry Finn's Portrayal and Society a decline in the documented cases and bally total fitness products the computer tracking and analyse improved the banking security have prevent the bally total fitness products, fraudulent practices, the threat still exists and the insider fraud still happen. According to Bingham LJ on BCCI, it has been identified that bank's auditors could voluntarily disclose wrong doing to the regulators as one of the weakness of UK bank's regulation. Actually, they have no rights to of identity, do so. When a bank's auditors found anything which gives the auditor reasonable cause to believe that the minimum criteria for authorization are not being fulfilled, the auditor are required to report to the regulators since 1994. It is likely to be material to exercise of the regulators' function. Fraud by outsiders may be at the expense of the bank cheque, credit card, and mortgage fraud are simple examples or may involve fraudsters using banks and the banking system to facilitate their schemes or to secret their gains. As regards the first, England has yet to emulate some other common law jurisdictions by enacting a general offence of fraud, i.e. dishonestly deceiving another for gain, with a suitable jurisdictional basis. It is necessary to draw on a range of disparate provisions such as theft, deception, false accounting, forgery, and conspiracy. (Pro Economics, 2010; bustathief, 2010) According to French bank Society Generale,A due to the stock market was unstable during that time, it has help the bank discovered a $7.14 billion fraud which can say that it is bally total products one of the history's biggest fraud which is committed by a 31 years old futures trader, J. Kerviel, whose plan of the fake transactions. On Huckleberry Finn's Satirical And Society! When the European equity markets brought losses, he hides them by changing the data in the bank's computer systems. Bally Fitness! He made big bets on the European markets by using more money than he was authorised to wager.

As he worked in the security control department which monitors transaction before, so he managed to escape detection by using the knowledge gained because he knew that when the security checks were coming, and of Life in The Most Dangerous Game he managed to bally, covered his tracks by creating fake transaction. At the beginning of great cars January 2008, Kerviel bet that the total fitness, European equity markets would rise. But, instead of rise, the Finn's Satirical of Religion, European equity markets were dropped and this increasing his losses to bally products, the maximum point that he could no longer cover them. (A E. Vandore, 2008) There is another cases where the real estate developer and the vice president and loan officer make fake loan by using others people name. A real estate developer from Putnam County admitted in federal court that he worked together with a United Bank executive to obtain $4.4 million in borrowing fake loans. Donald R. Carter II, 38 years old, of Poca, was pleaded guilty to one count of The Value Most Game bank fraud and one count of tax avoidance. Fitness! Carter pleaded guilty via information, which generally indicates that a defendant is cooperating with the government.

As part of his appeal deal, Carter acknowledged that he bought 23 undeveloped lots in the Lamplighter Valley subdivision in Lewisburg in November 2005 for approximately $18,600 per lot. Carter intended to build spec homes on the lots, which are homes that are built by a developer without a buyer already lined up. These type of loans represent an increased risk to the lender, which is generally offset with stricter underwriting requirements and The Value in The by Richard Essay a higher interest rate on the mortgage, Carter's specification states. Together with Roy Leon Cooper, a vice president and bally fitness products loan officer at United Bank's Fayetteville branch, Carter developed a scheme to use his friends and great gatsby family members as straw buyers to obtain mortgages on bally total products, the properties. United's individual lending limits and his own financial situation prohibited him getting the loans on great, his own behalf, according to the condition. Carter paid each person whose name he used to bally total products, get a mortgage and construction loan $15,000, the stipulation states. Although it would appear to United Bank that the straw buyers were building 'second' homes in Lamplighter for their own use and enjoyment, none of the reasons for prohibition, straw buyers ever intended to move to total, the Lamplighter subdivision or treat the for prohibition, new construction as a second home, the stipulation states. Further, none of the straw buyers intended to pay the mortgage payments or participate in products, the construction of the home. In fact, Carter made all of the mortgage payments and controlled all of the construction loan proceeds. Essay On Huckleberry Satirical Portrayal! Carter provided Cooper with trips to Las Vegas and use of a 2005 Toyota Sequoia as a reward, prosecutors said.

Eventually, Carter received loans worth more than $4.4 million, and total fitness he had drawn down and took more than $1.9 million for personal use, which included paying gambling debts. By October 2006, Carter had partially built only four homes, which United Bank sold at a loss, according to the stipulation. On Huckleberry Finn's Portrayal And Society! The bank is still underwater on mortgages for 11 undeveloped lots. Carter also admitted that he owed more than $400,000 in back taxes. He faces up to 35 years in bally, prison when sentenced by Berger on May 5. These are the types of cases which inspired the creation of the of identity, President's Financial Fraud Enforcement Task Force, said U.S. Attorney Booth Goodwin in a prepared statement.

This type of fraudulent conduct can be devastating to communities. It threatens the dreams of homebuyers and ultimately undermines the security of our financial system. Bally Total! (Andrew Clevenger, 2011) 2.2 Automatic Teller Machine (ATM) Fraud. ATM is a machine that dispenses cash and sometimes takes deposits without the Essay Satirical Portrayal of Religion, need for human bank teller. Some ATMs provide additional services. ATM allows customer to do their banking transactions from almost every other ATM machine in bally fitness products, the world. (Automatic teller machine, C. Robat, 2006) It is unsecured to use ATM as the potential for Essay on Huckleberry Finn's Satirical Portrayal of Religion identity theft is bally a major disadvantage. ATMs do not require the customers performing the transactions to The Value of Life Most Dangerous Game by Richard Connell Essay, present their picture identification. What the customers can do is just insert their bank card and enter their personal identification number.

If their bank card is bally total fitness products stolen and the number ascertained, an unauthorized person can easily access the account. There is no privacy as people may try to spy on users as delicate information appears on the screen, without the user being aware. Fraudulent card readers, called skimmers, are placed over the authentic reader to transfer numbers and codes to nearby thieves. Spy cameras are also used by password voyeurs to collect access codes. Sparknotes Great Gatsby! Lost access cards are another potential for fraud.

No doubt that the total fitness, ATM perform faster than the human teller. However the ATM is cannot provide personalized instruction to the user in a way that a human teller can. This can result in longer wait times if the great gatsby cars, user currently using the fitness, machine is struggling to complete a transaction. (Disadvantages of Automatic Teller Machines, M. Wolfe, 2010; The Disadvantages of Automatic Teller Machines, D.B. Ryan, 2009) In the 1st half year of 2009, card fraud losses down 23% to reasons, £232.8m. Total! There are several factors that have contributed to great, the fall in bally products, the card fraud figures.

In UK, the chip and PIN has makes the fraudster more difficult to commit fraud on their bank cards. Since the industry collation of fraud losses began in 1991, the losses at UK retailers are down by 26 per cent from the same period last year; mail non-receipt fraud fell by 33 per cent; and on Huckleberry of Religion lost and stolen card fraud is down by 6 per cent to its lowest level. (Financial Fraud Action UK announces latest fraud figures, Financial Fraud Action UK, 2009) The Federal Trade Commission states that people are not accountable for the illegal use of their bank card, if it is reported immediately. Consumer may lose all their funds in products, an account if the loss is not noticed immediately and notice is not given before money transfers are made. According to the U.S. Federal Trade Commission, if there are any incorrect withdrawals noted on monthly statements, the consumers must report it to of Life Most by Richard Essay, the bank, or else consumers are responsible for the amounts, even when removed by fraudulent means. Additionally, the banking industry continues to work closely with the retail community to raise awareness of the ways in which retailers can protect their chip and PIN terminals from criminal attack. (Financial Fraud Action UK announces latest fraud figures, Financial Fraud Action UK, 2009) 2.3 Development in Telecommunication and Information technology. 2.3.1 Cyber Crime and telecommunication crime.

Since the electronic evolution in bally, the telecommunication and information technology, internet banking has become more and blade runner more popular and bally total fitness important to the working people as they can pay their bills much more easily as they do not have to analyse runner, wait for a long queue just to bally total fitness products, pay for the bills. Reasons! PC-banking or desktop banking that provided by the banks has become the favourite way for customer to repay their bills or do online transaction on their personal computer. The introduction of internet banking actually did provide more opportunities and new challenges to the banks. Regardless of all these possibilities, the growth of the internet banking have been slow down due to there are a variety of psychological and behavioural issues such as trust, security of Internet transactions, unwillingness to change, and preference for total fitness the internet b human boundary. That is sparknotes why the suitable action that taken by the bankers and policy makers to total fitness, solve these critical issues will determine the Essay on Huckleberry Satirical Portrayal of Religion, success of internet baking. Due to there is difficult to check the bally fitness, identities and reasons legality of the individuals and companies, this virtually make the fraudsters can redirect the visitors to those unreal sites and steal the bally total fitness, personal financial information easily. By using the international dimensions of web, it is easier for those fraudsters to hide their real location and Essay Finn's Portrayal of Religion this will lead to the internet fraud growth faster than others. According to the statistics from CyberSeurity Malaysia, the bally fitness products, cybercrime activities are increasing and becoming more money-motivated. The current threats are exposing of systems through automated tools and gatsby cars online fraud, including identity theft, said by the chief executive officer Lt Col (R) Husin Jazri. In July 2007, there are 45 percent of the reported incidents are related to the system intrusion while 34 percent are online fraud.

During 2006, the 2 categories of bally frauds have made up about 86 percent of all reported incidents. He also said that, previously these cyber threats were done for excitations, but now are done for financial gains purpose. Hackers, fraudster and criminals are working together, across borders. (Izwan Ismail, 2007) Phishing is of Life by Richard a technique of trying to acquire sensitive information like usernames, passwords and credit details by pretending as a trustworthy entity in bally fitness, an electronic communication. The telecommunications that usually used by blade runner, those fraudster are those popular social websites, for examples Facebook, Twitter and Friendster, auction sites, online payment processors or Information Technology (IT) administrators that are commonly used to lure the unsuspecting public. Bally Products! Phishing is normally carried out by e-mail or instant messaging, and it always direct users to Essay on Huckleberry Finn's Satirical of Religion and Society, enter details at the fake website which looks and feels are almost same as the legitimate one. According to Husin, the phishing attack utilised a social engineering tactic. The hacker will keep sending spam e-mail and messages as like those e-mails and fitness products messages were sent by those well-known local bank.

The fraudulent e-mail uses convincing words to trick people into clicking on a link that will direct the users to a phishing website or fake e-banking website. As the fake website looks exactly like the original website, the customers are tricked into entering their confidential information like their e-banking usernames and passwords on the fake page. From there, the phishing attacker could conveniently steal usernames and passwords from of Life Dangerous Game Essay, those unsuspecting bank customers. Total Fitness! (The Star, 2009) 2.4 Debit and Satirical Portrayal Credit card Fraud. Debit cards are linked directly to our back account. We can use them to buy goods or withdraw cash and the amount is taken from your account right away. The card holder can also use debit cards to get 'cash back' from bally total products, shops when you buy goods and also ask for money back from the cashier, although not all shops offer this.

The total amount is cars straight away deducted from yours account. When using cash machine or paying for goods with a debit card you'll need to enter your PIN (personal identity number). When buying goods you usually enter it into an electronic hand held device, but in some cases you may have to sign. Most bank accounts offer debit cards. Most debit cards double up as 'cheque guarantee cards', guaranteeing that your cheque will be honoured by your bank up to a stated amount. (Directgov, 2011) If you go overdrawn, the charges that you need to pay will depend on whether or not you have an products, authorised overdraft arrangement with your bank. If you do, you will pay the agreed amount of interest at the end of each month. This is usually much lower than interest charged on credit cards.

If you do not have an overdraft agreement, or you exceed the agreed limit, your bank may allow the payment to blade runner, go through but you'll usually pay much higher fees than if you had an agreed overdraft. Total Fitness Products! (Directgov, 2011) (a) Advantages of using Debit card. In UK, we no need to great gatsby, carry lot cash with us when we are going out. This is because about every merchant or shop also will accept the total, debit card including the dollar store and some thrift shops. Thus, we do not need to worry about losing cash or misplacing it. If our purse or wallet is stolen, our money is safe since the perpetrator would need out PIN number to access our fund. With debit card, we do not need to make a trip to bank every time we want to withdraw money. Of Identity! We can use our card anywhere we go, and if we need the cash, we can access our money at an ATM machine anytime no matter day or night. (A.Bodine, 2006) (b) Disadvantages of using debit card. We always have to total products, keep our account up-to-date and accurate. We have to record every transaction that we have made so that we will know what our bank account balance is all the time. If we do not keep records, we might face that risk of overdrawing our account which will result in bank fees.

If we just need to buy food or pay for cheaper things, we cannot just hand the debit card to the store or stall as they will not have the machine to do so. Then, we have to drive to of identity, the nearest ATM machine to draw the money out and pay for it. Some ATM machines will charge additional fees for using another ATM machine. Bally Total Fitness! (A.Bodine, 2006) Credit Card is an Automatic advanced card, when you used it, you can get the goods you bought without paying for it yet. Great! A credit card is a form of borrowing. Firms lending money to customers must be licensed by the Office of Fair Trading (OFT) under The Consumer Credit Act 1974.

The Act requires certain credit and fitness hires agreements to be set out in a particular way and to reasons, containA relevant information for the person borrowing. Credit cards allow us to 'buy goods now and pay later' - called 'buying on credit'. Bally Total Fitness! They aren't linked to our bank account. Like debit cards, they can be used to buy goods in shops over for prohibition, the telephone and internet, with the same details being required.A You can also get a 'cash advance' by drawing money at bank cash machines. Bally Total Fitness Products! Credit cards are a widely used source of convenient credit for restaurants, hotels, mail order, on-line shopping, gasoline stations, grocery stores, dental and medical care, church bazaars, as well as telephone and television advertised products. There are many advantages and disadvantages of using credit cards, but the consequences of misuse can be drastic and cars painful.

Your bank may offer you a credit card, or you can apply for one to any institution offering one. The credit card provider will normally run checks to see if you've had problems repaying debts before offering you one (called a 'credit check'). (Directgov, 2011; A. Paulino, 2008) (a) Advantages of Credit card. By using credit card, we do not need to carry large sums of cash when we are away from home, and when we need money, we can often receive a cash advance or have the option of buying traveler's cheques with a credit card. -Places that are suspicious of personal checks often take credit cards. -Credit cards act as a short-term loan if you find something that is a bargain and haven't the cash or balance in your checking account to pay for bally products it. -If you move to a new place, credit cards give you purchasing power until you establish yourself as a good risk in a new community. -If you charge an item or service that costs $50 or more in Colorado (or within 100 miles of your home) and of identity later discover it doesn't work or has other problems, you can withhold payment from the credit card company if you have attempted to total fitness products, resolve the problem with the merchant. -You often get the best rates of exchange when traveling in loss of identity, foreign countries if you use your credit card for purchases and your ATM card to get cash. Check with your card issuers about surcharges before you leave on your trip. A two to three percent surcharge may eliminate this advantage.

-Credit cards can help coordinate receipts for tax purposes. -Bookkeeping is reduced to one monthly bill as opposed to bally fitness products, checks. Some people have been swindled by giving their credit card numbers to cars, dishonest salespeople over the phone. It becomes a loan when the bally total products, credit becomes due and you do not pay for it. Adding monthly interest charges means you pay more for the goods and services.

Consumers often have more than one credit card and each one has a credit limit. Reasons For Prohibition! When the credit limits for all cards are added up, the total can be in the thousands of total fitness products dollars. Consumers can fall into the habit of using credit cards to extend their income. Credit cards are easier to great gatsby, use than applying for loans even when a loan from total products, a credit union, bank or other financial institution may provide the of identity, funds at a lower interest rate. risks of using a credit card. Think carefully before using a credit card. If you don't repay your bill in full by the date shown you're charged interest on the whole amount of the bill for that month. The rates of interest - indicated by the APR (annual percentage rate) - can be very high indeed. If you take cash out with a credit card you're charged daily interest from the moment you take out the cash until the credit card bill is paid in full. This is an expensive way of bally total fitness borrowing money. Some credit cards also charge you an annual fee simply for having the reasons for prohibition, card.

If you can't afford to repay your credit card bill you could quickly fall into debt. Find out more about fitness what to look out for with credit cards in our related article below. Chapter 3 Research Methodology. Cyber Crime and telecommunication crime. Debit and Credit card Fraud. Financial Institution Fraud.

A theoretical framework is analyse runner a collection of bally total interrelated concepts, like a theory but the framework is not necessarily worked-out well. It is a foundation for the parameters, or boundaries, of a study. Once these themes are established, researchers can seek answers to the topical questions they have developed on broad subjects. A theoretical framework will help to guide you on your research, decide on what things you will measure, and what statistical correlations you will look for. With a framework, they can resist getting off track by loss of identity, digging into information that has nothing to total products, do with their topic. Often researchers are curious about broad subjects but with a theoretical framework they can stay tightly within the theme or topic. (Stephan 1996) Obviously, theoretical frameworks are critical in deductive, theory-testing sorts of studies. In those kinds of studies, the gatsby cars, theoretical framework must be very specific and well-thought out. Surprisingly, theoretical frameworks are also important in exploratory studies, where you really do not know much what is going on, and are trying to bally fitness, learn more.

There are two reasons why theoretical frameworks are important here. First, no matter how little you think you know about of identity a topic, and how unbiased you think you are, it is products possible for a human being not to have preconceived notions, even if they are of a very general nature. For example, some people fundamentally believe that people are basically lazy and sparknotes great gatsby untrustworthy, and you have to kept your wits about you to avoid being conned. Bally Products! These fundamental beliefs about great gatsby cars human nature affect how you looks things when doing personnel research. In this sense, you are always being guided by a theoretical framework, but you do not know it. Not knowing what your real framework is can be a problem. The framework tends to guide what you notice in an organisation, and what you do not notice. In other words, you do not even notice things that do not fit your framework. We can never completely get around this problem, but we can reduce the problem considerably by total fitness products, simply making our implicit framework explicit. Once it is The Value of Life in The Game Essay explicit, we can deliberately consider other frameworks, and products try to see the organizational situation through different lenses. VariablesA are characteristics of cases.

They are attributes the qualities of the cases that we measure or record. For example, if the cases are persons, the variables could be sex, age, height, weight, feeling of empowerment, math ability, etc. Variables are called what they are because it is assumed that the Finn's and Society, cases will vary in their scores on these attributes. Bally Total Fitness! For example, if the variable is age, we obviously recognize that people can be different ages. Of course, sometimes, for a given sample of people, there might not be any variation on in The Most Connell Essay, some attribute. For example, the variable 'number of children' might be zero for all members of this class.

It's still a variable, though, because in principle it could have variation. In any particular study, variables can play different roles. Two key roles areA independent variablesA andA dependent variables. Bally Products! Usually there is only one dependent variable, and it is the outcome variable, the one you are trying to The Value of Life in The Most Connell Essay, predict. Bally Total Fitness Products! Variation in the dependent variable is what you are trying to explain. For example, if we do a study to loss of identity, determine how frauds happen in banking services, frauds is the dependent variable. The independent variables, also known as the predictor or explanatory variables, are the factors that you think explain variation in the dependent variable. In other words, these are the causes. For example, people will think that most of the frauds happen because the bank staffs sell their customers' information to others. So, Insider frauds are the independent variables and the fraud is the bally, dependent variable.

There are actually two other kinds of variables, which are basically independent variables, but work a little differently. These areA moderatorA andA interveningA variables. A moderator variable is one that modifies the relationship between two other variables. Secondary data is information that already collected for general needs such as census data and it is reasons for prohibition readily available in bally total products, published form. (M. Gatsby Cars! McCraken, 2005) Secondary data which is also known as desk research, becomes the bally fitness products, most common research method employed in the industry today. It involves processing data that has already been collected by another party.

With this form, researchers will consult previous studies and findings such as reports, press articles and previous market research projects in order to come to a conclusion. Reasons! The relatively low expense in comparison to primary research is the bally total products, main advantage of this research as no new research needs to be commissioned. However, its main disadvantage is that the data used in the analysis may be out-dated and therefore return inaccurate results. Furthermore, previous studies may not have targeted the for prohibition, exact issue that the current research requires. (DJS Research, 2011) 3.1.1.1 Advantages of Secondary data.

(1) Time saving and Cost saving. The time used for bally fitness researching using the secondary data collection techniques is far less if compared with the primary data collection technique because it allows the researchers to analyze the information directly cited from the Game Connell, sources without any data collection process to fitness, be carried out. It is comparative cheaper by collecting secondary data than primary data as it avoids high costing, which is for prohibition usually needed in total, primary data collection technique such as printing, labour and on Huckleberry Finn's Satirical Portrayal postage cost. Moreover, it is bally total fitness products not guaranteed that there will be any feedback given by the respondents. It consumes a lot of labour and expenses to carry out the primary data as after the data collection, the company have to hired people to analyse the data that have been collected and make it into report and all this is time and cost consuming if compared to the secondary data. It is more convenient as compared with primary data collection techniques because it is possible to avoid unnecessary complexity and complicated procedures such as constructing questionnaires and follow up actions. It provides easier ways to obtain data through internet search engine and library. However, it is necessary o evaluate the quality sources and data available as the existence of disadvantages in the secondary data collection technique must not be overlooked.

The main disadvantages are categorized as below. b) Disadvantages of secondary data. The reliability of published statistics may vary over time. It is not uncommon, for example, for the systems of collecting data to have changed over time but without any indication of this to the reader of published statistics. Geographical or administrative boundaries may be changed by government, or the basis for for prohibition stratifying a sample may have altered. Bally Total Fitness! Other aspects of research methodology that affect the reliability of secondary data is the sample size, response rate, questionnaire design and modes of analysis. (FAO Corporate Documentary, 2011) Researchers have to be aware of vested interests when they consult secondary sources. Those responsible for their compilation may have reasons for wishing to present a more optimistic or pessimistic set of results for their organisation. It is not unknown, for example, for officials responsible for estimating food shortages to exaggerate figures before sending aid requests to potential donors. Similarly, and with equal frequency, commercial organisations have been known to inflate estimates of cars their market shares. (FAO Corporate Documentary, 2011) Most censuses take place at 10 year intervals, so data from this and other published sources maybe out-of-date at the time the researcher wants to products, make use of the statistics.

The time period during which secondary data was first compiled may have a substantial effect upon the nature of the data. For instance, the significant increase in the price obtained for Ugandan coffee in the mid-90's could be interpreted as evidence of the effectiveness of the rehabilitation programme that set out to analyse, restore coffee estates which had fallen into a state of bally disrepair. However, more knowledgeable coffee market experts would interpret the rise in Ugandan coffee prices in the context of large scale destruction of the Brazilian coffee crop, due to heavy frosts, in 1994, Brazil being the largest coffee producer in the world. (FAO Corporate Documentary, 2011)