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EDUC 71252 & 77072 – Mobile Learning Experience Journey Map Students ID Numbers: ……………………………………………………….…………………………………………………………………………………………………………………………………………………………… Persona: A female Chinese immigrant who intends to learn the English language using Duolingo mobile app. Mobile Learning Scenario: The immigrant is a 23-year-old Chinese immigrant pursuing a Master’s Degree in a UK-based university. She is not fluent in speaking English, which is her second language. Having admission to a UK-based university inspired this Chinese female to pursue an English course that can enhance her speaking skills. Currently, she can hear and speak English but faces problems with pronunciation of words. Her Chinese ascent makes it hard to interact with other students effectively. The Master’s program requires a lot of dedication, which makes it hard for the Chinese student to enrol in an English course available at the University. In this case, mobile learning remains the most practical way of learning the required language skills. The Duolingo mobile app allows people to learn different languages, including English. This mobile app applies to teach systems that make English more engaging and fun for users.…
Benefits of Infinite Banking Banking has been around for centuries. Most people felt that their money was secure in a bank because they will not be at a place where they can use it anyhow. The banks are also able to give them loans depending on their savings. They are able to pay for the loans over a time that has been set by the bank. Paying the loan bank however becomes a challenge because often the interest is quite high. There is also not easy flow of money when it is in the bank because at times you do cannot get it as soon as you need it. The concept of infinite banking came in to curb all these challenges that come with banking. Man people may not have come across the infinite banking concept but it is there and helping a lot of people with their financial horror stories. Infinite banking entails an individual taking charge of all his finances. Everything that the bank could have done for them, they now take it upon themselves. Infinite is…
Chapter 21 Security Interests and Creditors Rights & Chapter 22 Bankruptcy Like any other field, business requires regulations to guide the conduct of participants. Anarchy creates room for treachery and unprecedented losses. Through the enactment of various laws, both seller and customer have a guarantee of fairness in the transactions. The activities in the previous week’s lesson brought out essential parts of commercial law. The explanations of security, interest, creditors’ rights, and bankruptcy introduced valuable experience for current and future business. The first lesson described the importance of having security in a debit transaction. A secured interest works in favor of the creditor when it comes to debt collection (Picker, 2018, p. 3). Whenever a debtor fails to repay the loan, the creditor can use the security in place of the loan. Moreover, a debtor who gave away security will have a sense of responsibility to repay the loan on time. Picker (2018, p. 3) also adds that security is an ideal way of avoiding legal systems of reclaiming a debt. Getting back a loaned amount without litigation is essential…
Cyber practices in an organization As technology continues to grow, so does the need for secure cyber practices in an organization. Cyber threats are increasing, and attackers are focusing on all organizations, including the small-scale organizations from Finger Lakes community bank to government agencies such as Customs and Protection (CBP). For an organization to succeed in ensuring efficient cyber protection, the executives must invest in security and provide the necessary support to implement adequate security measures in the organization. Security is all about knowing system vulnerabilities and the recommendations to take in case a cybersecurity incident happens. Many cases of cyber-attacks have been witnessed as the human user is the most vulnerable resource in an organization, especially when a hacker doesn’t have the software, hardware, or operating system in a specific environment. Social engineering is much useful because, as we speak, people have been noted to be the weakest and most vulnerable assets in a network/system. Hackers use sophisticated tactics as well as communication skills to breach organizational security. The first step is determining system/ network vulnerabilities, a hacker approach…
A STUDY ON CENTRAL BANK OF OMAN Table of Contents Abstract 3 Introduction. 4 Creation of Monetary Policies. 4 Financial Stability in Oman. 5 Management of Money Market Operations. 7 Streamlining of Payment Systems. 7 Establishing and Enacting Laws and Regulations. 8 Conclusion. 9 References. 10 Abstract The Central Bank of Oman was established in 1974 to manage monetary policies of Oman and ensure economic activities in the entire country expands. The bank is responsible for balancing the money supply and demand for money. This balance is achieved by changing the prices of money and adjusting interest rates. The financial system in Oman is made up of Islamic and conventional banks, leasing and finance companies, investment companies, pension funds, insurance firms and money exchange entities. Under the supervisory framework created by the CBO, the bank is involved in the on-site and off-site examination. On-site examination entails evaluation of Oman-based banks. While Off-site examination includes scrutinizing audited reports of licensed banks, among other duties.. This paper will cover two major instruments, including development…
Electronic Banking Electronic Banking is a system of banking that most financial institutions are adopting following its development. Electronic banking involves the transfer of money through an exchange of electronic signals between banks and institutions such as credit unions (Kidwell et al. .2016). The transfer of funds via electronic banking occurs where someone withdraws cash from an Automated Teller Machine or uses a debit card to pay for goods or services. This form of banking uses computer systems which record transactions involving the ownership, transfer of funds and methods of access to these funds. The different electronic banking systems vary in factors such as the size of the system and the organization. The transfer of funds electronically is known as electronic fund transfer which has its origin from any electronic terminal such as a telephone. Electronic banking owes its existence to the Bank of America with the invention of data-processing machines, optical character recognition and use of robots to sort documents coming into place. The need to record the daily transactions of deposits and cash withdrawals, availing account balances…
People have turned their focus to bitcoins Nowadays, people are looking for ways to make profits quickly, and that’s why they have turned their focus to bitcoins, although some have termed it as a controversial investment. Bitcoin, also known as virtual currency, is unpredictable since there is no stability in its exchanges, and it is not easy to trace. Nevertheless, there have been changes, and the currency has stabilized after a particular period of instability. This helps the investors to make their minds on whether to risk their money into a currency that no longer exists. Volatility Even though there has been a rise in the popularity of bitcoin over the last few years, the market has remained small, which is an indication that minor changes can impact profoundly on its price. There is no doubt that the value of this currency is going to appreciate instead of depreciating in the long run. A significant number of investment brokers are encouraging people to invest in Bitcoin as a medium to long-term investment due to its short-term volatility.…
A clear and unambiguous definition section Question 1 A clear and unambiguous definition section is not necessary where the word to be defined appears only once in the contract. Also, having clear and unambiguous definitions restricts the interpretation of a contract. Thus, where including a clear definition section will be to the disadvantage of the client, the same should not be included. On the other hand, having an ambiguous definition section or having none at all may have the effect of conferring some rights and obligations upon parties of which they may not be aware. This would, in certain instances, put the client in a better position to negotiate terms and interpret the contract in a way that reduces liability on the part of the client. Also, having an ambiguous definition section may also allow parties to conduct business which would otherwise be impossible where clear definitions are included. (Chapter 7, page 97-103) Question 2 Multiple definitions for a word should not be used in a contract document to avoid instances of various and conflicting interpretations of the terms of…
When a new drug is being developed, it has to go through several phases of clinical testing before it gets market approval Introduction When a new drug is being developed, it has to go through several phases of clinical testing before it gets market approval. This is a process that may take many years. However, it raises the question whether the experimental drugs may benefit the terminally ill patients who often set their hopes on experimental drugs but may not be able to wait since they might pass away before the drugs are available. Consequently, many terminally and seriously ill patients are often willing to participate in random controlled trials only as a way of getting experimental drugs. There are ways of gaining access to these drugs, including through compassionate use or expanded access programs where the terminally ill patients get the new drugs that are not yet approved for the market. Relevant ethical theories and moral principles In medical research ethics, two strands of thought often exist regarding the decision making process – deontology and utilitarianism (Raus, 2016). In…