Internet Banking Assignment Example | Topics and Well Written Essays - 1250 words

Web Banking - Assignment Example Web banking is offered today by every single driving bank in UK, however the degree of use and the highlights offered by the banks fluctuate and is constrained. Web is accessible at over 42% of the homes in UK in 2002 (National Statistics, 2002). Web is presently being utilized by over half of the populace in the UK from their home and they are associated sensibly high speeds of network which empowers them to utilize any of the at present accessible assistance on the net. Web banking anyway has not been received by about 30% of the clients to a bigger degree. While the vast majority of the individuals utilize the web banking to look into their parities and to see whether the normal credit or charge has occurred. This maintains a strategic distance from might be a stroll down to the bank or potentially a call to know the status of the record. The vast majority of the financial clients don't utilize web banking for cash moves for huge scope. Still they accept on old instruments like th e checks or the other standing guidelines however they are getting actualized utilizing electronic methods to an ever increasing extent. It is additionally obvious still that the vast majority get to web to get to their messages and obviously do some shopping. In UK 70% of the individuals use it for email and for looking for data on items and administrations; while 60% come in just to do general perusing. The quantity of individuals utilizing web for banking is entirely restricted. Paying or buying over the web which would likewise be utilizing administrations of the bank is around 38% of the grown-ups. The grown-up bunch itself is about 55% of all grown-ups who are in UK who truly get to the web. Out of the populace this is as yet a minority since a large portion of the youthful somewhere in the range of 14 and 20 years get to the web substantially more broadly than the remainder of the gatherings. Intelligent frameworks are a combination of People, Activities, Contexts and Technologies (David Benyon et al, Nov 2004). The use spread in UK likewise demonstrates the plan of the web and the locales thereof, are reliant on the brain science of the individuals utilizing the equivalent. This is normally, subject to the age of the client and on the points of the client. That is the reason, we discover more individuals utilizing it for messages on account of grown-ups while among the more youthful part, we find that the use is more towards instruction and other perusing exercises. The Interactive frameworks need to essentially deal with this variety in premium and ought to likewise remember the grown-up ideas of security which is essential for web banking works out. Utilization issues in Internet Banking The greater part of the financial destinations are really secure at 128 piece encryption. They are likewise planned in accordance with the standards of intelligent structure. The vast majority of the destinations don't go past the 4 hues principle which is suggested for use in any site. By utilizing around a limit of four hues, the site is simpler to peruse or take a shot at and don't make any bothering the client. Web banking keeps on being a question point where individuals will in general proceed to check their equalizations and potential credits or charges as it were. Exchanges are not occurring true to form however it is simpler to do over the net. A portion of the issues that are looked by the clients include: 1. Solace of utilization for laymen. Human focused

A Difficult Decision Essay

I decided to expound on a troublesome choice I needed to make years prior. I needed to pick between leaving my family in anticipation of business, or keep on letting charge cash bolster we all. It was the best choice I have ever constructed. Beginning really from nothing, to carrying on with an ordinary cheerful life, and none of this was conceivable without my better half. She is the genuine warrior. She stayed by me through this entire thing. She constantly bolstered my choices. It was an extremely befuddling time in my life, however I needed to do what was best for my family. In March of 2008, I was hitched to my better half, Lorene. I was 18 years of age and prepared to begin a family. I was moronic. I brought in fair cash working development, yet never expected to be laid off. My first child was conceived in October of 2008. So I got the family that I needed, I just didn’t have a vocation now. We lived in Yucca Valley, California, where my Mother leased a home to us. She was a recuperating alcoholic. She lived in Arizona with her significant other at that point. Her name was Lari Lee Packer. I know, young men first name. Specialists disclosed to her that on the off chance that she at any point drank liquor once more, she would bite the dust. After I revealed to her better half ordinarily not to acquire liquor the house, he proceeded. So in January of 2009, my Mother put in half a month drinking with her better half, and kicked the bucket. She was 44 years of age. Following her demise, individuals were calling, and appearing at my Mother’s house in California. A great deal of the individuals that gave up needed me to indication papers to assume control over my Mother’s obligation. My more seasoned sibling had just exhorted me to won't. The other party of individuals that came were there just to educate us that we had 24 hours to get out. My life was self-destructing. We didn’t have any family in the region, nor any transportation. I was scared. We wound up remaining at an inn for about fourteen days, at that point descended to the city of San Bernardino, where we lived with Lorene’s sister. One more year passed by and we were still on government assistance, and more unfortunate than any time in recent memory. I didn't have anything however my family, and a hard decision to make. I could remain and trust things would show signs of improvement, or fly to my brother’s house in North Carolina and look for business. It felt like such a since quite a while ago shot, yet I needed to make the right decision. I couldn’t keep on feeling futile. I made a family, just to be not able to accommodate them. So I faced the challenge and traveled to my brother’s house. I strolled two miles down the railroad tracks regularly, to go after positions. On the fourth day, I was employed at McDonalds and a corner store. It sounds wretched, however I no longer had gauges since I was jobless for such a long time. I would work unlimited hours, just to return home, breakdown on my brother’s love seat for four hours, get up and do it once more. I proceeded with this timetable for three weeks before choosing to leave McDonalds. When I got my last check from McDonalds, I had set aside enough cash, and flew my family to North Carolina. Taking everything into account, it was a troublesome choice to leave my family and adventure into the obscure, however it was the best choice I have ever constructed. I think individuals need to remind themselves now and again, â€Å"what is best for the family†? I currently fill in as an inn work area agent, and I have a great deal of spare time. Subsequent to finding how much extra time was accessible, I needed to additionally seek after my training. So here I am, and that’s what’s best for my family. A Difficult Decision Essay In Richard Wilbur’s sonnet â€Å"A Barred Owl† and the sonnet â€Å"The History Teacher† by Billy Collins, both depict grown-ups endeavor to shield kids from fears that are known and obscure to them, glossing over genuine occasions that could hurt the children’s blamelessness. A primary teacher in â€Å"The History Teacher† attempts to shield his understudies from what he thinks would influence the children’s see on the world while guardians in â€Å"A Barred Owl† guarantee their â€Å"wakened child† that the â€Å"boom of an owl’s voice† are basic inquiries from an inquisitive â€Å"forest bird†. The two essayists pass on that adults who attempt to protect the guiltlessness of youngsters just defer the unavoidable. Richard Wilbur delineates a typical circumstance of an alarmed youngster in the corner of the late evening looking for direction from mother and father. The author recognizes the state of mind and setting with lines, for example, â€Å"The twisting night air,† or, â€Å"darkened room. † Wilbur utilizes these lines to enable the peruser to comprehend the disposition of the sonnet by utilizing certain expression to depict the dread that is available inside this child’s room. See more: The phases of customer purchasing choice procedure article The importance of each line is improved because of the writer writing in an AABB rhyming example; underscoring the centrality of each rhyme, for example, the lines, â€Å"The distorting night air having brought the blast of an owl’s voice into her obscured room† or, â€Å"Words, which can make our dread boldly clear, can likewise subsequently tame a fear† and even, â€Å"Or longing for some little thing in a paw borne up to some dull branch and eaten crude. By Richard Wilbur showing a basic circumstance of a terrified kid, he shows the moves guardians make so as to simplicity and solace a kid to protect their honesty as well as remove any dread a kid has while managing this sort of circumstance and numerous others. In the sonnet, â€Å"A History Teacher† by Billy Collins, the author outlines an easygoing study hall loaded with uninformed kids being taught by their educator. Little did these kids realize that their history instructor is introducing changed recorded occasions so as to ensure their guiltlessness. By utilizing the lines, â€Å"the Ice Age was extremely simply the Chilly Age,† or, â€Å"the Stone Age turned into the Gravel Age,† Collins shows the instructors endeavor to shield the understudies from the outside world. The writer talks in third individual to make a picture in which the crowd can completely see instead of perusing from first individual. By the writer picking third individual as opposed to first individual, the crowd won't read from a point of view from a character inside the story, along these lines accepting a solid viewpoint and not â€Å"one side of the story†. Essayist Billy Collins enables the peruser to additionally see how the educators endeavor to protect his understudies from the merciless Darwinism of the world sat idle yet hurt their instruction. The lines, â€Å"The kids †¦ torment the powerless and the smart,† and, â€Å"he accumulated his notes †¦ thinking about whether they would believe†¦Ã¢â‚¬  shows the truth of the instructor being the oblivious character other than the understudies by hurting their training so as to shield them from the inescapable. With Richard Wilbur utilizing the lines â€Å"And send a little youngster back to rest at night† to the lines â€Å"Borne up to some dim branch and eaten raw† in â€Å"A Barred Owl† the author permits the crowd to comprehend the child’s happiness as she rests as a blameless kid. The crowd additionally comprehends that with the kid being sent to bed with a harmless exaggeration, she stays oblivious from the Darwinism of the world. Despite the fact that, in Billy Collins’ â€Å"The History Teacher† the understudies keep on acting in Darwinism as they carry on to â€Å"torment the feeble and the smart†¦ breaking their glasses,† and both the educator and youngsters return home from learning and feeling nothing when the kid and guardians in â€Å"A Barred Owl† rest with harmony and understanding that dread is not a single where in sight. The History Teacher† is told in third individual perspective for the crowd to imagine the two sides of the outcome the educator has brought about by his decision of direction. â€Å"A Barred Owl† is written in first individual perspective to show the guardians choice on calming a scared youngster; the two sonnets present the two sides of the results the grown-ups cause. Richard Wilbur and Billy Collins open adults’ endeavor to keep youngsters from losing their guiltlessness despite the fact that the journalists additionally show a case of grown-ups doing anything conceivable, endeavoring to deny what is ordained. Guardians should slide youngsters into this present reality as opposed to fear their kids entering debasement. â€Å"A Barred Owl† and â€Å"The History Teacher† opens adults’ eyes to where grown-ups acknowledge when and where a kid ought to enter this present reality. Grown-ups should manage youngsters through upsetting occasions and not adjust their perspective on the world so much it can get damaging.

How Rational Emotive Behavior Therapy Works

How Rational Emotive Behavior Therapy Works Rational Emotive Behavior Therapy, also known as REBT, is quite a self-explanatory term.Having analyzed parts of its name, it can be concluded that it is a psychotherapy that leads you to analyze one’s feelings and thoughts (hence ‘emotive’ and ‘rational’) and how they influence their actions (hence ‘behavior’).It should be clear that this therapy does not have the ultimate aim of solely analyzing the aforementioned items, but that the aim is to transform those destructive thoughts and feelings into beneficial ones.There are negative feelings that all people experience, more or less often and more or less intensely.These include (but are not limited to) anger, anxiety, guilt, depression, aggression, sleep problems, addictive behavior, phobias, etc.Even though people sometimes deny, or are not aware, these inevitably affect the current mental state of a person, including their thoughts and behavior and some often need help when dealing with it.Certainly, they are not alw ays destructive to one’s mental health, and they will not cause huge problems right away.It is important that a person recognize the moment when it gets hard to deal with these feelings and when they need help to deal with them without causing harm to their own self and the personal and business relationships they have with other people.Some negative behaviors that may result from the above mentioned negative feelings are aggression, procrastination, unhealthy eating habits, or loss of appetite.However, there are some tricks that we can use for dealing with all of these, and here are some good ones to help you with efficient time management.All of the above mentioned may prove to be very powerful at hindering a person from establishing good relationships and achieving their life goals, be they personal or career-related.So if you need some help in that field, you can always give a look at examples of someone else’s life goals, to get yourself inspired.HISTORY OF RATIONAL EMOTIVE BEHAVIOR THERAPY Several decades ago, a young man by the name of Albert Ellis had a great fear of talking with women.One day, he decided to start dealing with this problem by means of an experiment.For one month, he went to a park and made himself to talk with 100 women.As the number of these women approached the desired number, he noticed that he found it considerably easier to talk with them.This experiment was the basis for his theory.Albert Ellis, now a psychiatrist working with many patients, realized that the traditional psychological methods used at the time when he started working did get people aware of the problems they had, but did not enforce the necessary changes in behavior.He hence concluded that it is not enough to simply become conscious of the issue.By the 1950s, he had started working on various therapies in order to find the best solution for the problem that he noticed.He was influenced by behavioral therapists and thus was leaning towards forming a special act ion-related approach that would fulfill the conditions which are not met by the traditional psychological methods.He created Rational Emotive Behavior Therapy in the mid-1950s.It was the original form of what is now the cognitive-behavioral therapy.The basic idea that Ellis had was that the majority of people are not aware that a great number of their thoughts about themselves are actually irrational and have a bad influence on their behavior.According to him, these thoughts affect one’s emotions and consequently, relationships and behavior in different situations.“We teach people that they upset themselves. We cant change the past, so we change how people are thinking, feeling and behaving today.”  â€" Albert EllisOne more difference between his approach and the traditional ones is the focus on the present.He believed that though our past has an influence on our present, it is irrational to hold on to previous life experiences. He wanted his patients to let go of this grip.To put it more simply, the majority of emotional and behavioral problems stem from the way one perceives their experiences, rather than from the experiences themselves.Nevertheless, he also believed that people, provided that they are willing and compliant, are capable of understanding that the identified thoughts are potentially harmful.He thought that they are able, with some effort, to change these negative and irrational thoughts into more positive and rational ones, thus changing their emotional responses and behavior.REBT is designed to help one deal with these irrational thoughts.They find recurring patterns and change them.The final result is not supposed to be just a change in a few thought patterns or dealing with some situations.One is expected to reach a new perspective on life and in this way to start functioning in a more healthy way.THEORETICAL BASIS OF RATIONAL EMOTIVE BEHAVIOR THERAPYOne theory that served as a basis for REBT is that humans are not completely rational beings. Computers take input, read it, and produce a logical output.Unlike computers, people do not always use the sole logic in their processing.The human internal processing is very complicated, influenced by many factors, many of which are not exclusively logical. Hence the infinite number of possible outputs.Despite this huge irrationality, all people are equipped with, Ellis believed that a more rational approach to ones problems may impact dysfunctional emotions and behaviors. Logically, the way to achieve this is to enforce more rationality in a person.According to Ellis theory, many emotional and behavioral problems come from certain basic irrational assumptions.They are not completely realistic and therefore the belief which stems from them is sterner than what is suitable for a healthy individual. THE ABCDE MODEL“The best years of your life are the ones in which you decide your problems are your own. You do not blame them on your mother, the ecology, or the president. Y ou realize that you control your own destiny.”â€" Albert EllisEllis claimed that people believe that external events are the reasons for their unhappiness and that they are wrong.If a person does not accomplish a goal or fulfill a desire, they form irrational beliefs about it to explain what happened.According to him, the real reason for their dissatisfaction is these beliefs. He explained this phenomenon using the so-called ABCDE Model of Emotional Disturbance.Let us take a look at an example. A student had an exam. He had attended the lectures regularly, done all the assigned homework, participated in projects, and studied hard.However, he got a bad grade.The rational way would be to accept that maybe he did not prepare for the exam as well as he had thought or that the construction noise from outside had hindered his concentration.However, the feeling of disappointment would probably lead him to think that the professor did not like him or gave him a bad grade just because they are mean.It is clear that these thoughts are irrational and that they do not allow the student to come to terms with the failure.In the continuation, we will use this example to explain the ABCDE model.Activating Event / Adversity something happens in a person’s environment and triggers an irrational thought. The thought is created as a help to deal with the unpleasant event. In our example, that event is getting a bad grade.(Irrational) Beliefs The person holds some irrational beliefs regarding the situation in question. Their function is to help the person come to terms with what happened. They form very easily and are based on one’s emotions rather than logical reasoning. Even though they are irrational and wrong, they are a better comfort than having no idea why something happened. The beliefs from the example are that the professor does not like the student and that the professor is a mean person.(Emotional and Behavioral) Consequences The person has a reaction to the s ituation. This reaction may be an emotional one, a behavioral one, or a combination of the two. In the above example, an emotional response would be the fall of self-confidence in the student. The behavioral response would be an angry complaint to the professor. A combination of the two may be ceasing to study for the other exams as the student does not feel capable enough to be successful in his studies.Disputes (Arguments) At a certain moment, one may come to realize that the situation may not be exactly the way they see it. This realization may occur independently or with the help of a therapist, a friend, a member of the family, or even a stranger. The student may realize that it is not the end of the world to do badly in one exam. They may realize that he is not such a bad student after all. He passed other exams with flying colors. He helps his friends with the subjects they do not understand well. These are the disputes he needs to challenge the irrational beliefs he formed previously.Effect Disputing the wrong beliefs inevitably has positive effects. When the destructive thought pattern is broken, the person has new and better paths open up for them. These positive effects include holding more positive and rational beliefs. This will affect how one handles similar future situations and how they deal with the one in question. The student from the example may study even harder for the rest of the exams or even decide to invalidate the grade and take the problematic exam again, attempting to do better. Source: marktaylorpsychology.wordpress.comTHE THERAPEUTIC PROCESSFor a better understanding of the process of REBT, we will explain its basic steps and functioning.Step 1: Identifying Irrational Thoughts and Beliefs“There are three musts that hold us back: I must do well. You must treat me well. And the world must be easy.”  â€" Albert EllisThe first thing one needs to do with the help of their therapist is to identify those thought patterns and beliefs that are potentially harmful to their mental state.These are very often formulated as absolutes, starting with ‘I must, ‘I must not, or ‘I cannot.Thoughts that are absolute like this are quite harmful because they do not allow for any variation in performance â€" it is either acceptable or not.This kind of thinking leads to negative emotions such as disillusionment, disappointment, a decline in self-esteem, regret, anxiety, etc.Some of these beliefs are:That one must be 100% successful; otherwise, they consider to have faile d.Upset when someone else makes a mistake or misbehaves.That one would be happier if they avoid difficulties and problems instead of dealing with them.Lack of control over one’s own happiness.Such absolute beliefs, which are also focused on the negative, prevent a person from reacting in appropriate and psychologically adequate ways.They are left feeling unfulfilled and unsatisfied.In addition, it is hard for them to accept that events and actions do not have to be perfect necessarily.This impedes their overall life â€" both personal and business affairs.Step 2: Challenging the Irrational ThoughtsAfter having identified the irrational thoughts and understanding that they are mistaken, one needs to challenge them, which is the next step toward changing them and not letting them interfere in the future.The therapist, according to Ellis, needs to be direct and straightforward.Challenging faulty beliefs should not be done gently and supportively, but honestly and bluntly.This is the p ush one needs at this moment, and it will direct them to the right path.Step 3: ChangingAccepting one’s beliefs as unhealthy, especially after they have been a part of one’s mindset for years and even decades is not as simple as it may sound. But a difficult step is yet to come.The sole change, when its time comes, seems extremely hard to achieve, the path is full of hardships, feeling upset, maybe even thinking that it is impossible to succeed.It is normal to feel upset when one makes a mistake, taking it too emotionally may prove to be very harmful.The Rational Emotive Behavior Therapy is designed to help one adjust their emotional reaction and to respond rationally to those situations.When a mistake is made, the appropriate, psychologically healthy response would be to acknowledge that it would be perfect if the work had been done without the mistake, but that making mistakes is normal and if one has put enough effort, which is what actually matters.Also, it is not realistic to expect the perfect performance and outcome of every single endeavor one does.What one can do in a problematic situation is to handle it and learn from it.“People are not disturbed by things but rather by their view of things.”  â€" Albert EllisREBT EXERCISESTherapists use a wide variety of exercises and techniques which are grounded in Rational Emotive Behavior Therapy.Many of these can be used individually if a person is not seeing a therapist. We will explain a few exercises that the readers may try on their own.1. Dysfunctional Thought RecordThis exercise is used often in REBT and in many kinds of cognitive-behavioral therapies. It targets the root of problems â€" the irrational belief.It is a thought journal where a person records their thoughts and tries to notice potentially harmful patterns (here is a useful form if you would like to try it out).There are seven columns to fill in for each irrational thought.Date and time (and/or place) â€" the date, time, and the place of the problematic situation.Description of the situation â€" a short summary of the event.Automatic thoughts that arose â€" what one instinctively thought about it (the irrational thoughts).Associated emotions what one instinctively felt.Cognitive distortions â€" why the latter two were wrong.Alternative thoughts â€" what one may have thought instead (the rational) thoughts.Outcome of the situation â€" what happened in the end.This exercise makes understanding and identifying irrational thoughts easier.While writing it, a person analyses the situation and is led to think about it more rationally.If one is persistent enough, this can prove to be a very useful practice that helps a person become independent in dealing with a negative situation in a more healthy way.2. Analysis of ConsequencesPeople are sometimes more focused on the present situation and they often neglect to take into consideration the future results a decision or a reaction may provoke.This exercise aims at comple ting one’s understanding of the problematic situation and its consequences, thus enabling proper reaction and conduct.It manages the source of the problem directly instead of dealing with the symptoms and is thus quite efficient.“By encouraging them to do clear-cut cost-benefit analyses in writing, and by their making themselves much more conscious of the harm they are wreaking, their changing becomes more likely. Of course, even when clients are fully conscious of the hazards of their dysfunction, they still may perversely resist giving it up. But awareness often increases the chances of their fighting against their resistance.”  â€" Albert EllisThis exercise is also in the form of a table to be filled. It consists of four main parts.Target This part targets the salient issue. It should be filled with a short description of the problem and the most important values and goals a person has regarding the situation.Short-term consequences This part is divided into two sub-secti ons: benefits and costs. They are filled by the short-term gains and harms of continuing the current behavior. Additionally, both sub-sections are to be evaluated numerically on the scale of 0 to 100.Long-term consequences This has the same form and function as the previous one. The difference is that long-term results are evaluated.Best long-term solution before writing anything here, the previous parts should be looked at and evaluated. One should weigh continuing the current behavior and making some changes and write the best solution for the situation in question.3. Replacing Negative with Positive ThoughtsThis is a very simple exercise. The name already suggests what is done there.A person is challenged to replace negative, irrational, destructive thoughts and beliefs with more rational and functional ones that might help in reducing stress.There are three parts of this form. The first one is a place to write a negative thought that occurred at a certain moment in relation to a certain situation.The next space is for a new, more rational thought regarding the same situation.The third place is a list with 10 spaces which are meant for evidence that challenge the old belief and support the new one.The evidence may be something that someone told, a past experience, or any other thing that supports the new belief.4. Problem FormulationThis exercise is designed for comparing the outcome of a situation which occurs after a usual response with the outcome of a situation which would occur after a more positive response.The objective is that a person learns the difference between a healthy and unhealthy response and recognize the best way to act in a similar situation.The form for this exercise has many parts divided into three main groups: the activating event, problematic response, target response.The first part has 4 sub-sections, all designed to take information about different aspects of the activating event (the A part of the ABCDE model).These 4 pieces of information are:Describe the situation.Isolate the critical factor (what it was about the event that affected you).Notice and accept bodily sensations.Invent a symbol/metaphor for the experience (one that explains how it felt).The second part of the form is aimed at analyzing the problematic response which usually occurs in reaction to a salient situation.They are the B and C parts of the ABCDE model. The three pieces of information written here are:Name the emotion.Thoughts and images (cognitive symptoms) â€" what was happening in one’s mind when the event happened.Actions and intentions (behavioral symptoms) â€" how one reacted or how they wanted to react.The last part is the healthy, more appropriate response â€" the E part of the ABCDE model. Again, there are three sub-sections here:Name the desired emotion.Cognitive objectives â€" how one needs to think in order to feel the desired emotion.Behavioral objectives â€" what one needs to do in order to feel the desired emotion.FI NAL WORDRational Emotive Behavior Therapy was created by psychologist Albert Ellis in the 1950s.The main idea was that a person’s problematic behavior is closely connected with their irrational thoughts that originate in their subjective view of a salient situation.By challenging these thoughts and changing the view of the situation, one is capable of reaching a higher level of understanding and eventually responding to a similar future situation in a more healthy and rational way.REBT is used to treat a number of issues, such as anxiety, depression, phobias, guilt, and many more.This theory uses the ABCDE model to explain the process of reaching a healthy response. An (A) adversity happens, and it triggers an irrational (B) belief which has emotional and behavioral (C) consequences.The person is then confronted with (D) disputes which should lead to the new (E) effect of understanding the situation in a more rational way. This is the path of the desired change.There is a number o f exercises that one can do either with a therapist or on their own.They are designed to lead the person to cognizance and switching to a rational response without causing psychological damage.“Rational beliefs bring us closer to getting good results in the real world.”  â€" Albert Ellis