Exponential and logarithmic functions Essay Example | Topics and Well Written Essays - 500 words

Exponential and logarithmic functions - Essay Example Another application of the exponential function is the compound interest formula (Sobel & Lerner, 1995, p.349). The compounded interest formula is utilized a lot by banks to calculate the amount of money a person earns in a savings account as well as interest charged to customers on loans. Appendix A shows a graphical illustration utilizing the exponential function. The logarithmic function is a function which its base is fixed and the number that is manipulated is the power or argument. The logarithmic function happens to be the inverse function of the exponential function. Graphically this function is a reflection an exponential function. There are different categories of logs such as the normal, natural and the log10 application. In chemistry logarithmic functions are utilized to calculate different concentration such as ph. In computer science logarithmic functions are utilized for to represent quantities of information. Appendix B illustrates a graphical illustration utilizing a logarithmic

Othello paper The heroism of othello Essay Example | Topics and Well Written Essays - 500 words

Othello paper The heroism of othello - Essay Example These kinds of characters are plentiful in Shakespeare’s works, including the character of Othello. In this simple statement at the end of his life, he is pointing out for us what his tragic flaw was as well as the source of his heroism. It is in his love for Desdemona that his nobility shines through. The play opens with a mob of angry townspeople coming to do harm to Othello because they believe he has shamed the daughter of one of the merchants. Instead of running, as he is urged to do by Iago, Othello chooses to stand up to these people and make sure that the good name of his legally bound wife is defended. Rather than fighting with these people, he tells them, â€Å"Keep up your bright swords, for the dew will rust them / Good signior, you shall more command with years / Than with your weapons† (I, i, 59-61). In this statement, his nobility shines through as he defends his wife’s honor, acknowledges the respect owed to his elders and refuses to cross swords with them. However, his power to love is flawed by his inability to judge which of his contemporaries he should trust with it. This is demonstrated first through his relationship with Cassio. Cassio is clearly Othello’s favorite officer as he promoted Cassio over Iago. While there may have been other qualifications involved in the decision, there also was reason for Iago to believe he should have been promoted over Cassio. However, when Othello finds Cassio brawling in the streets with gentlemen and drunk, he immediately doubts his own wisdom in placing his affections with this man. Though he still has affection for the man, â€Å"Cassio, I love thee; But never more be officer of mine† (II, ii, 239-240), he cannot respect him and his confidence in his own judgment is thrown into doubt. Cassio’s time with Desdemona further introduces doubt and suspicion into Othello’s

FAMILY VIOLENCE AND ABUSE Essay Example | Topics and Well Written Essays - 1250 words

FAMILY VIOLENCE AND ABUSE - Essay Example He also threatened to injure maim her. The historical and the current standing posed beyond doubt that Marcia’s life was in great jeopardy and she needed redemption. The case also fulfills the requirement that the aggressor is not the defendant. The deceased aggressed the defendant’s myriad times thus attributing to the retaliation by his wife, Marcia. The obligation of applying just sufficient force in the defense as required by the law was not achievable because the husband threats were recurrent and he would justice only she shut her up for good. Marcia Norman option to end the life of her husband was pegged on her mission to save her life-perfect self-defense, and therefore was legally right. The eminent past and continuous history of mal-abuse by her husband would not allow limited room for her right of freedom from harm (Leverick, 2009). The courts would factually consider immense psychological distress and trauma that Marcia had undergone. According to a witness from the case, after she was asked whether she thought it was correct for Marcia to shoot her husband, she admits that from the examination and the assessment of her records and psychological files, it was exclusively fine for her to do so. She adds that Norman Marcia assumed herself doomed from the torture she endured from her husband. She had a perception of persecution ahead due to the immense social degradation and demeaning that her husband accorded her, and recognized that her death was probably not avoidable in future. The witness also notes the fact that Ms Marcia had attempted suicide before and there was a conviction that she would not succeed in her struggle against her unwavering husband. The witness notes that she believed that the defendant had grown insecure to an extent that he could not have any sense of attachment to her family. She could not run away from the deceased due to his immense power and

The Value of Digital Privacy in and Information Technology Age Essay Example for Free

The Value of Digital Privacy in and Information Technology Age Essay 1. List and describe at least three (3) technologies that allow an individual to research citizens private data. A technology that allows an individual to research private data is the Global Positioning System (GPS). This â€Å"is a navigation and precise-positioning tool† (Glasscoe, 1998) developed in the early seventy’s by the Department of Defense. Although GPS was originally designed for the military, its applications have extended into the public sector to provide researchers the specific location of an individual (Glasscoe, 1998). A malicious technology that can be used to research an individual’s private data is spyware. In general, it is software that can be loaded on an internet ready device, such as a computer or smartphone, with the sole purpose of gathering and transmitting one’s private data to another person. Spyware is â€Å"designed to be difficult to remove,† and the collection and transmission of information can be completed without the individual’s consent (Microsoft, 2012). In contrast to spyware, social networking services are freely provided with and individual’s private data. Social networking services are web based platforms built to facilitate communication between internet users. â€Å"When creating an account user[s] disclose private information about their social contacts and interests by including friends, business associates, and companies in their networks† (The White House, 2012). Services such as â€Å"Facebook, the largest social network service† (Halbert Ingulli, 2012) can gather enormous amounts of private data that is associated with an individual including: â€Å"written updates, photos, videos, and location information† (The White House, 2012). 2. Discuss the advantages and disadvantages of public access to this information, both for the researchers and those who are being investigated. â€Å"Personal data is valuable †¦[and]†¦ companies spend up to $2 billion a year to collect that informationà ¢â‚¬  (SENGUPTA, 2012). Retailers use the data to target advertising to consumers based on their geographic location, personal demographics, or interests. Annually personal data is used to generate as much as $145 billion in online sales (The White House, 2012). Personal information is often shared freely in a mutually beneficial relationship between an individual and researchers. Those who are being investigated may sign up for online services which deliver them free content, such as music or games. Consumers are pay[ing] for the service by agreeing to receive targeted ads† (Microsoft) from researchers. â€Å"Security failures involving personal data †¦ can cause harm† (The White House, 2012) to both the researcher, and those being researched. If a researcher’s data is breached resulting in the release of private data the organization’s reputation could be tarnished. Subsequently there would be financial impacts to the researcher as consumers and business partners sever thei r relationships. On the other hand, those being researched may be discriminated against due to misleading information or fall victim to â€Å"potentially life-disrupting identity theft† (The White House, 2012). 3. Determine what measures citizens can take to protect private information or information they do not want to be disclosed. First and foremost, citizens should â€Å"carefully read all disclosures, including the license agreement and privacy statement† (Microsoft, 2012) prior to downloading any software, shareware, or freeware to their computer or smartphone. Secondly, they should properly protect themselves utilizing updated anti-virus software and firewalls on their electronic devices. Finally, citizens should be familiar with privacy-enhancing technologies such as â€Å"Do Not Track† which enables individuals â€Å"to exercise some control over how third parties use personal data or whether they receive it at all† (The White House, 2012). 4. Discuss a federal law that grants the federal government the legal right to make private information on U.S. citizens available to the public, and whether or not you agree with this law. Any person has the right to request access to virtually every federally held record. Enacted in 1966, The Freedom of Information Act (FOIA) is federal law which â€Å"provides public access to all federal agency records except for those records †¦ that are protected from disclosure.† Nine exemptions and three exclusions to the FOIA prohibit the release of information in relation, but not limited to â€Å"information involving matters of personal privacy† (U.S. Department of Justice, 2009). In the wake of Waterg ate Congress enacted the Privacy Act of 1974 to protect citizen’s private data in the face of growing concerns of â€Å"illegal surveillance and investigation of individuals by federal agencies† (The privacy act , 2010). This federal law restricts disclosure of government held records which personally identify individuals, and increases an individual’s right to obtain and amend government held records kept on themselves. The Privacy Act also establishes a code of fair information practices which requires agencies to comply with statutory norms for collection, maintenance, and dissemination of records† (The privacy act , 2010). As Americans we â€Å"have always cherished our privacy†¦[and]†¦ we have the right to be let alone† (The White House, 2012). Much more than the right to solitude, Americans have the right to freely participate in commerce without the costly threat of identity theft. We should be empowered with the freedom to seek employment or heath care without discrimination. Federal laws should grant citizen’s peace of mind that our personal information it protected, and we have a choice regarding when and what portions of our personal information made available to the public. 5. Determine whether there are â€Å"electronic privacy laws† that can prevent others from having access to â€Å"private information† as well as how effective they are. Laws protecting electronic privacy include â€Å"the 1968 Federal Wiretap Law, as amended by the Electronic Communications Privacy Act 1986 (ECPA), [which] make it illegal to intercept, disclose, or access messages without authorization† (Halbert Ingulli, 2012). As with the FOIA there are exemptions to the ECPA which eliminate â€Å"protection from communications that are readily accessible to the general public† (Halbert Ingulli, 2012) and current federal law may not protect all of an individual’s private data. As of 2012, forty-seven States have Security Breach Notification (SBN) laws. These laws vary from state to state, however they â€Å"promote the protection of sensitive personal data† (The White House, 2012) which is not currently protect by federal law. In February of 2012, the Obama Administration presented the Consumer Privacy Bill of Rights to Congress. This Bill of Rights attempts to establish a much needed national baseline to protect citizen’s private information and acts â€Å"as a blueprint for privacy in the information age† (The White House, 2012). References Glasscoe, M. (1998, August 13). What is gps?. Retrieved from http://scign.jpl.nasa.gov/learn/gps1.htm Halber, T. Ingulli, E. (2012). Privacy and Technology. In Law Ethics in the Business Enviorment (7th ed.). Mason, OH: South-Western Cengage Learning. Mao, C. (2012, March 28). Columbia business law review. Retrieved from http://cblr.columbia.edu/archives/12047 Microsoft. (2012). Microsoft. Retrieved from http://www.microsoft.com/security/pc-security/spyware-whatis.aspx SENGUPTA, S. (2012, February 04). Should personal data be personal?. Retrieved from http://www.nytimes.com/2012/02/05/sunday-review/europe-moves-to-protect-online-privacy.html?pagewanted=all_r=0 The privacy act . (2010). Retrieved from http://www.justice.gov/opcl/1974privacyact.pdf The White House. (2012, February 23). Consumer data privacy in a networked world:a framework for protecting privacy and promoting innovation in the global digital economy. Retrieved from http://www.whitehouse.gov/sites/default/files/privacy-final.pdf U.S. Department of Justice. (2009, November). Your rights to federal records. Retrieved from http://publications.usa.gov/epublications/foia/foia.htm

Walk A Mile With A Disability :: essays papers

Walk A Mile With A Disability Disability Experiment As of 5:00 p.m. on October 1 I became a hard-of-hearing (as opposed to deaf) mute. I achieved the hearing impairment simply by wearing earplugs and became mute simply by not saying a word for the rest of that day, as well as the following morning. The first discovery that I made was that my family (and probably everyone else) listens to the television at a ridiculously loud volume. Even though both of my ear canals were blocked, I had no problems understanding what was taking place on the programs that we watched. However I did run into some trouble around dinner. We (my future in-laws) were saying the blessing, but I had to keep one eye open so I would know when the prayer was over. Another interesting thing was that while driving with the ear plugs in, I became more aware of the vibrations of my truck, the tires, and the bumps in the road. My tires are not the â€Å"normal† highway tire-even though they are perfectly legal-and they generate quite a bit shaking. This shaking is odd to me though because it isn’t so obvious that I notice it any other day, but only when my hearing is impaired. The music in my truck also took on a new role. Usually I use my speakers to drowned out the moaning of the tires, but now I have discovered that they can be used as a massage. I have felt them thump against my back before, but that thump absent from sound became an aggressive back pounding. As for my driving experiences as a mute, everyone should try it as a way to defeat their road rage. It certainly stopped my meaningless comments, not to mention I felt better about myself when I got home. My biggest, yet far from profound, discovery in this experiment is related to speaking. Since speech was no option for communication, I opted for the dry erase board as a form of communication. When writing is the only available form of communication ( I am ignorant of sign language) I tend to pick and choose carefully what is important enough to write down, as well as what is not. This procedure eliminates useless conversation such as sarcasm, small talk, and meaningless comments, which I have always wanted (I thought) to get rid of anyway.

Coop

Cooperative ManagementSubmitted By: Cherlyn Ohoy Submitted To: Ms. Crispina Corpuz Date of Submission: October 15, 2012 AMPC: â€Å"FOCCUS COOP† Background of the Cooperative FOCCUS  (Finance Organization achieving Certified Credit Union Standard)  is a brand awarded to AMPC by the World Council of Credit Union based in the United States through CUES (Credit Union Empowerment and Strengthening) last 2003. Being branded a â€Å"FOCCUS† coop is a stamp of class and a seal of guarantee of the members’ financial investment security, as well as, its excellent, efficient and quality service. History of the cooperative Founded in  June 19, 1991  by  Ã‚  21  MARKET VENDORS  in Agdao Public Market Contribution per pioneer member was P3,000  for a total Share Capital of P63,000 Old name was  AGDAO MARKET VENDORS MULTI-PURPOSE COOPERATIVE  (AMVMPC) Core values A –  Action-oriented  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  C –  Competency G –  Generosity  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  O –  Organized  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   D –  Discipline  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  O –  Open-mindedness A –  Accountability  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  P –  Perseverance O –  Optimism The Mission and Vision * MISSION * To uplift the quality of life of its members through the provision of quality products and services; and continuous promotion of cooperativism. VISION * A dynamic, strong and sustainable cooperative in Mindanao, whose members are empowered and working together in a spirit of cooperation, social justice, equity and peace towards total human development. How to join * Attend one hour free Pre-membership Educational Seminar (PMES) at any AMPC Office. Scheduled daily (morning and afternoon). * Fill-up Application Form for Membership and attached most recent photo ID. (1 pc. 1X1 and 1 pc. 2X2). * Submit photocopy of Birth Certificate or Marriage Contract. * Pay the required amount of Membership Contribution. The Products and Services Offered * PRODUCTS * SAVINGS DEPOSIT  (Earns 4. 5% per annum) * YOUTH SAVINGS (1 month old to 17 years old) * REGULAR SAVINGS (18 years old and above) TIME DEPOSIT| Regular Time Deposit| RANGE OF AMOUNTS| Months| | 3| 6 | 9 | 12| 3 YEARS (net of tax)| 10,000 – 20,000| 5%| 6%| 7%| 8%| 8%| 20,001 – 50,000| 6%| 7%| 8%| 9%| 9%| 50,001 – 100,000| 7%| 8%| 9%| 10%| 10%| 100,001 – 400,000| 8%| 9%| 10%| 11%| 11%| 400,001 – 900,000| 9%| 10%| 11%| 12%| 12%| 900,001 & ABOVE| 10%| 11%| 12%| 13%| 13%| | | . | | | | | | | | * TERMS: Three to 12 months period are subject to tax. Three years period are withdrawable only upon maturity and tax free. Rates are subject to change without prior notice. * Special  Time Deposit TERM:  P1,000 – 9,999   has 6% interest per annum. SHARE CAPITAL Minimum share is P1,000 Minimum of 10% interest per annum (dividends) Not withdrawable. * LOAN PRODUCTS 1. Capacity-based(max of P500,000. 00) 2. Providential 3. Agricultural 4. Commercial 5. Real Estate Interest rate of 3% per month based on diminishing balance or 1. 623% per month effective rate. Affordable repayment terms: 12-24 months. Emergency Loan -Based on Share Capital (max of P5,000. 0). * MORTUARY AID TRUST FUND P15 contribution per Regular Member. P5 contribution per Associate Member. Pro-rated contribution for less than a year member. * SERVICES 1. BOTIKA NG KOOPERATIBA * Gamot na Mura, Epektibo Pa 2. LIFE INSURANCE * Group Life and Accident with Fire Insurance (GLAFI) Annual Premium P250. * GADDI-Annual Premium  Ã¢â‚¬â€œ P230: Benefit P20,000. * Coop AKSI Plan – Annual Premium – P100: Benefir P20,000. * Keyman Accident Protector Plan for as low as P1,800 per annum with P1,000,000 coverage. * AMPC Family Insurance – Annual Premium P150. 3. NON-LIFE INSURANCE * Fire Insurance Cash Assistance (FICA) * Home Protek500; Annual Premium of P500 pesos. * Home Assure for as low as P1,905 Annual Premium. * Standard Fire Insurance/Motor Car Insurance. 4. HEALTH CARE (Annual Premium P1,300) * Unlimited Consultation for Member and Members' immediate dependents. * Unlimited Basic Laboratory Services and Diagnostic Procedures for members only. Hospital confinement-in-patient. * Health Care coverage on top of PhilHealth: P1,500 per day or P20,000 aggregate per year and another surgical benefit of P10,000 aggregate per year. Social Responsibilities 1. 2. SCHOLARSHIP PROGRAM 3. Technical Education Assistance 4. FEEDING PROGRAM 5. BLOOD BANK 6. â€Å"Dugo Mo, Kinabuhi Ko† 7. HOG DISPERSAL PROGRAM 8. ADOPT-A-SITE 9. LIVELIHOOD SEMINARS Financial Highlights * Operation Highlights as of December 31, 2008 * MEMBERSHIP   * DEPOSITS * SHARE CAPITAL| * REVENUE   * ASSETS GROWTH * NET SURPLUS| TAGUM COOPERATIVE Background of the Cooperative Tagum Cooperative has also now ventured into funeral service known as â€Å"funecare. † According to Tagum Coop Chairperson Norma R. Pereyras, the funecare is intended to respond to its members’ clamor for a â€Å"womb-to-tomb† complete service to them. The funecare service has filled in the gap toward a total member service satisfaction. â€Å"Tagum Cooperative gives value to its industry name. It is sensitive to its public image as a top-ranked cooperative. It does not sit on its laurels. It continues to innovate to benefit its members. And despite its greatness in the sector, it has kept its humility as an institution. No wonder, it has evolved into a model and well-respected cooperative. I will not be surprised if Tagum Cooperative is declared the best managed coop in the entire Philippines or in this part of Asia. To our mind, it is a fact waiting to happen in just a matter of time,† the CDA regional director concluded. History of the cooperative Almost forty years  ago,  Tagum Cooperative  was just an obscure, self-surviving money lending institution. Now, it is a world-class Savings and Credit Cooperative recently adjudged  Ã¢â‚¬Å"Winner†Ã‚  both in  Regional and National Categories of the Business Excellence Award for Small and Medium enterprise (SMEs) organized by the Philippines Small and Medium Business Development Foundation, Inc. PHILSMED) The Business Excellence Award for SMEs was received by the Tagum Cooperative Chairperson, Ms. Norma R. Pereyras, herself a Regional and National Awardee for Outstanding Volunteer for Best Practices, 2002, along with the  Tagum Cooperative Vice-Chairperson, Ms. Monica L. Salido and Manager, Ms. Juris D. Perez, CPA, MBA. The said Awa rd was given by the representative of the The Secretary of Department of Trade and Industry (DTI), Hon. Peter B. Favila, together with Ms. Mina T. Gabor, Ph. D. , President of Philippine Small and Medium Business Development Foundation, Inc. PHILSMED), Usec. Hon. Lecira V. Juarez, Chairperson, Cooperative Development Authority (CDA), Mr. Cresencio Selipara, 1st  Vice-President- Landbank of the Philippines, Mr. Donald Patrick Lim, Vice-President for Marketing- Philippine Daily Inquirer and Ms. Agnes Celeste D. Fernando, Head SME – Channel Distribution, Globe Telecom on October 6, 2005 at the Philippine International Convention Center (PICC), Reception Hall, which was attended by more or less 1,300 cooperators all over the country. Other Awardees/ Recipients for the National Category were: R. A. Gapuz Review Center- Manila, Lighthouse Cooperative, Inc. – Cagayan, Mabini Limers and Farmers Multi-purpose Cooperative,Inc. – Guimaras and New Central Woodcraft- Iligan City, of which Tagum Cooperative garnered the highest points. Tagum Cooperator’s belief in the value of work in service has brought the great twist. From its humble beginning as  Ã¢â‚¬Å"Holy Name Society (HNS) of Tagum Parish† in May, 1967  with only a handful Members and an available Share Capital of only P80. 00,Tagum Cooperative  had slowly stepped up to the limelight, now, conveniently servingits more than 26,000 members, of which 61. 0% composed of Woman-Members, coming from Tagum City and its nearby provinces and cities, with  a laudable P475. 1 Million in Assets,  Ã¢â‚¬Å"No External Borrowings†Ã‚  for the last five years. Now, Tagum Cooperative has a computed  Loan Portfolio of P317. 1 Million  that served over 160,000 households in coordination and tie up with L ocal Government Unit (LGU) that had helped and support in addressing the economic problem. Alleviating them from poverty line and upgrading their social, educational and health status. It was branded a  Finance Organization achieving Certified Credit Union Standards (FOCCUS)  in the year 2000 by the  World Council of Credit Unions (WOCCU),  based in the United States of America (USA), through its outreaching- cooperative program office in the Philippines, popularly known as the  Credit Union Empowerment and Strengthening (CUES)- Philippines, which have become the tenets of the Cooperative in its operations, programs, and policies, thus Tagum Cooperative as World Class savings and credit cooperative provides the necessary environment for the safe and security of the member’s money, giving the highest interest rates on their deposits and savings through the adoption of a sound, effective and rigid financial management. Today,  Tagum Cooperative  is among the prime movers of the Country’s Cooperative Movement, being one of the leading and most active affiliates of the  National Confederation of Cooperatives (NATCCO), Mindanao Alliance of Self-help Societies- Southern Philippines Educational Cooperative Center (MASS-SPECC) and Model Credit Network (MCN). Moreover, Tagum Cooperative is a leading advocate in the province in empowering or providing opportunities and protection to women through its  Gender and Development and Family Enrichment Program, Savings and Credit with Education (SCWE) Program, wherein 1,707 Woman-Members have availed of P4. 2 Million worth of loans for their livelihood or income-generating projects,  Tagum Cooperative Women’s Livelihood Association, Inc. (TCWLAI)  wherein 70 members have availed the technology of meat and food processing and candle making, thus, it  Ã‚  aimed at augmenting their respective family’s income. All of these achievements are made possible because Tagum Cooperative stand firm to its commitment to extend the best service to its members and that each member will be proud of being a part of Tagum Cooperative. Thru good governance by its able Officials, empowered Management Staff and well informed membership, Tagum Cooperative is posed continue its active participation as a Cooperative and as a partner of the government in progress and economic development of the Province of Davao del Norte, the neighboring provinces and the Philippine Cooperative sector in general. Core values T – Trustworthness A – Accountability G – Good Centered U- Unity M – Member Friendly C – Competence O – Optimism O – Openness P – Passion The Mission and Vision * MISSION * To promptly delivered innovative and responsive products and services to a member in a secured financial environment * VISION * Tagum Cooperative is the best â€Å"One-Stop-Shop† Cooperative for total member care. How to join * STEP 1. Attend one (1) hour Pre-Membership Orientation from Monday to [email  protected] 9:00-10:00 A. M. or 4:00-5:00 P. M. * STEP 2. Fill-up Membership Application Form and submit it with 2 pcs 2Ãâ€"2 recent colored picture with your name and date. * STEP 3. Pay the required amount, as follows: Membership Fee| 200. 00| Mortuary Fee| 480. 00| Initial Share Capital Deposit| 500. 00| Initial Regular Savings Deposit| 500. 00| Registration Fee (Savings ; Loan Seminar| 100. 00| Member’s ID Card| 20. 00| TOTAL| 1,800. 00| The Products and Services Offered * PRODUCTS * Regular Savings| A compulsory savings to all TC Members. It is a liquid savings account with no contractual maturity and can be withdrawn anytime with a minimum maintaining balance of Php 500 and will earn 4% interest per annum based on the Average Daily Balance (ADB). It has a specially designed passbook issued upon opening of the account. Depositors who religiously observe regular savings will have the chance to be awarded â€Å"Savings Depositor of the Year† during the Annual General Assembly. Diligent Savers of Regular Savings will get specially designed promo items. | * Share Capital| A compulsory deposit to all members. It has a minimum share required to be completed within 2 years from date of membership. The share capital deposit cannot be withdrawn unless Member will terminate his/her membership. Interest Rate: 8,000 and up = 7% per annumInitial Deposit: Php500. 00Minimum requirement: Php8,000. 00Characteristics:A cumpulsory deposit to all members. Php8,000 minimum share required to be completed within 2 years from date of membership. Share Capital Deposit cannot be withdrawn unless Member will terminate his/her membership. Earns divided aside from the guaranteed interest. A specially designated passbook is issued upon opening an account. Depositors who religiously observe continuous share capital build-up will have the chance to be awarded â€Å"Share Capital Depositor of the Year† during the Annual General Assembly. Through point system, depositors will get specially designed  promo  items. | * Youth Savers Club| A savings product for  kids 0-12 years old with a specially designed  passbook  issued upon opening an account. It has a minimum of  P50. 00 to open  an account and maintaining balance is P 50. 00 and will earn 4% interest per annum based on the Average Daily Balance (ADB). Member will receive gift items upon signing the application form as Tagum Coop| * Power Teen Savers Club| A savings products for teens 13-17 years old with especially designed passbook issued upon opening an account. Minimum of 50. 00 pesos to open an account. Maintaining balance is 50. 00Member will receive gift items upon signing the application from as Tagum Coop's way of welcoming new members. Diligent savers will receive specially-designed items that can be used at home or at school. The more the teens save the more rewards they get. Depositors who religiously observe Power Teen Savers Program will have the chance to be awarded â€Å"Power Teen Savers of the Year† during the Annual General Assembly. This is the perfect gift that the parents, grandparents, uncles/aunts, godparents, brothers/sisters can give to their children, nephews, nieces, grand children on graduation, Christmas, birthdays, etc. | * Time Deposit| A special time deposit certificate is issued to the member for every account opened. Interest on deposits varies depending on the amount, the longer the term and amount, the higher the interest rate. Upon maturity date, the member may renew the said time  deposit account , however if the member  Ã‚  misses to renew his/her time deposit on maturity date, Tagum Cooperative is  Ã‚  authorized to automatically roll over the said time deposit with the same term and rate. In case a member decides to terminate the time deposit account prior to maturity date, Tagum Cooperative will subject the  Ã‚  member’s Time Deposit to 4% interest p. a. Diligent Savers of Time Deposits will have the chance to be awarded â€Å" Time  Ã‚  Depositor of the Year† during the Annual  Ã‚  General Assembly. | * Pabilisang Savings para sa mga Drivers Advocacy (PaSaDA)| Aims to encourage drivers to start a daily habit of saving and realize their desire to build up a contingency fund. Interest Rate: 4% per annumInitial Deposit: Php30. 00Initial Share Capital(for non members): Php250. 00| * Golden HEARTS| | TERM| P 1,000. 00 to 100,00. 00| P 100,001. 00 to 250,000. 00| P 250,001. 00 to  Ã‚  500,000. 00| P 500,001. 00 to 1,000,000. 00| 1,000,001. 00 and above|   30-89 days|   5. 00%  |   5. 50%|   5. 0%  |   5. 50%|   5. 50%  |   90 – 179 days|   6. 00%|   6. 50%|   7. 00%|   7. 50%  |   7. 50%|   180 – 359 da ys|   6. 50%  |   7. 00%  |   7. 50%  |   8. 00%  |   8. 50%  |   360 – 719 days|   7. 50%|   8. 00%|   8. 50%|   9. 00%|   9. 50%|   720 days|   8. 50%|   9. 00%|   9. 50%|   10. 00%|   10. 50%  | * LOAN PRODUCTS 1. Major Loan: * Regular Loan (RL) * Government Employees Special Loan (GESL ) * Private Employees Special Loan (PESL ) * Convenient Loan (CL) * TC Income-Generating Service Loan (TC-IGSL) * Special Credit Line Service Loan (SCLS) 2. Minor Loan: * Cash Advance (CA) * Emergency Loan (EL) 3. Special Loan: * Instant Loan Bonanza * Micro-Finance Loan * Benefit Loan Appliance and Furniture Loan * Travel loan * SERVICES 1. Special Programs * Savings and Credit with Education (SCWE)| * AFLATOUN| * TC Youth Laboratory Cooperative Article| * TC Women's Livelihood Cooperative(TCWLC)| 2. Members Benefits and Assitance (MBA) * Himsug Pamilya Program (HPP) 3. Coop Funecare 4. Ancillary Financial Sercvice * Inquiry Machine| * Pinoy Co op ATM| * TC Collection Service Center (Bayad Center)| Financial Highlights PANABO MULTI-PURPOSE COOPERATIVE Background of the Cooperative Panabo Multi-Purpose Cooperative (PMPC) operates and advocates the values of self-help, self responsibility, democracy, equality, equity and solidarity. In the tradition of its founders, cooperative Members, Officials and Staff believe in the ethical values of honesty, openness, social responsibility and caring for others and the community. PMPC is a financial service, member-owned Cooperative dedicated to provide the financial needs of its members since 1965. PMPC is a Finance Organizations achieving Certified Credit Union Standard (FOCCUS) ; branded cooperative. It has achieved International Prudential Standards on Financial Ratios designed to protect members ; assets which will ensure operational sustainability and quality of member service. PMPC is implementing the MCUB methodology. MCUB (Model Credit Union Building) is a technology designed to transform a COOPERATIVE into a Model Credit Union (MCU) which adheres to Financial Disciplines where ; Members ; money is safe and protected. PMPC is a leading affiliate of the largest and strongest confederation of cooperatives in the Philippines which is the National Confederation of Cooperatives or NATCCO, with National Headquarters located at 227, J. P. Rizal Street, Project 4, Quezon City, Metro Manila; the Mindanao Alliance of Self-Help Societies-Southern Philippines Educational Cooperative Center (MASS-SPECC) based in Cagayan de Oro City; and, the Model Cooperative Network (MCN), situated at Rm. 324 GB Cam Bldg. , Monteverde St. Davao City, the official network of the FOCCUS branded cooperatives in Mindanao. PMPC is a bonafide member and staunch supporter of COOP-NATCCO PARTY-LIST, the only Party-List in Philippine Congress that represents the true voice of the Philippine Cooperative Sector and the underprivileged workers and small business entrepreneurs. History of the cooperative Through the zealous effort of Panabo Parish Priest Fr. Eugene Simon, PMPC was organized with 15 founding cooperators with a combined initial share capital of seven thousand five hundred pesos (P 7,500. 00) in 1965. Today, through prudent management ; adherence to financial disciplines, PMPC has magnified its growth by over 25,000 member-user strength and P312 million in assets (as of July 2008). Core values The Mission and Vision * MISSION * * VISION * The Products and Services Offered * PRODUCTS * * SERVICES 1. Financial Highlights Background of the Cooperative History of the cooperative Core values The Mission and Vision * MISSION * To promptly delivered innovative and responsive products and services to a member in a secured financial environment * VISION The Products and Services Offered * PRODUCTS * SERVICES Financial Highlights Sources: * http://agdaompc. webs. com/ * http://www. tagumcoop. org/index. php/aboutus * http://WWW. panabocoop. org

Corruption: Sovereign State and Black Mark

Corruption Outlines: 1) Corruption is social evil. 2) Pakistan is the special victim. 3) Corruption is black mark. 4) Govt. is involved in corruption. 5) People are ignorant. 6) Govt. should be honest. 7) Media should show bad result of corruption. 8) Technical education is a good solution. Corruption is an evil that is destroying our nation. At this time, corruption is the biggest problem of our Pakistan. Pakistan needs progress, but corruption is the biggest hurdle in the way of progress. Although, corruption is an international problem, but Pakistan is special victim.Advanced countries have solved the evil of corruption, but Pakistan is facing dangers of corruption daily. Corruption is termite. This termite is eating the roots of our nation. Corruption is a black mark. In Pakistan, we face many different shapes of corruption. People are facing corruption daily. Corruption has made public life like hell. Corruption finished peace and rest of our nation. Corruption created many othe r social evils. Dearness is the special result of corruption. Our Govt. is famous for corruption. Our Govt. never gave any attention to corruption and its solution, but now the time is over.Mostly, the Govt. is involved in corruption. Departments are busy in corruption daily. They are running a rat race in corruption. Some NGOs are spreading corruption. They get benefits, there is corruption in Pakistan; If, some leaders are fan of corruption. They are the ring leader of corruption. RAW is also spreading corruption, because India wants to make Pakistan weak. USA is also involved in corruption in Pakistan, because USA can control Pakistan. Illiteracy in Pakistan is the major cause of corruption. People are ignorant and they are enjoying corruption. Our rulers are lazy. They are in favour of corruption.Media is ignoring corruption. T. V. is also neglecting corruption. There are many disadvantages of corruption. Our Pakistan is becoming weak. Governments are lazy. Media is sleeping. Ma phia is controlling our system. We are passing dull life. People have no normal values. Governments are evil. Departments are looters. Scholars are sleeping. People are neglecting duties. Nation is in full tension. There are other social evils. Pakistan has no future. Corruption has become our culture. God’s torment is very near. We are at the last stage of corruption. Our nation is jumping into dark well.Corruption should be finished. Governments should be active. Media should show bad results of corruption. Scholars should guide nation against corruption. Our rulers should make law against corruption. There should be strict punishment for corruption. Departments should never accept corruption. Our mothers should create awareness against corruption. We should pass simple life. We should get religious education, if we went to finish corruption. We should get technical education to finish corruption. There should be justice and prosperity in Pakistan. In this way, there will b e no corruption.