How television violence affect children Essay Example | Topics and Well Written Essays - 1500 words

How television violence affect children - Essay Example This paper then will aim to investigate the issue of television violence with respect to promotional campaigns, seeking for a clearer understanding of the ways by which advertisements for violent amusement products function to attract the young viewer’s attention (ibid). Disputes about the media’s influence on children are frequently grounded on assumptions of developmental psychology, which claims that children lack the cognitive capability to discriminate commercial meanings from other media content, and hence are views as particularly vulnerable. Numerous researches have surveyed the effects of mediated violence, frequently assuming that a relationship, either correlative or contributory, is present between a child’s exposure to provoked violence and his or her eventual expressions of real physical violence. Such investigations usually argue that children exposed to television violence will sooner or later come to accept manifestations of violence in actual world backgrounds, be they real physical attacks or violent ideas and sentiments (Evra 1990). This has guided a number of researchers to conclude that the relationship between mediated and real violence in children is in reality causal. As such as theories of developmental psychology argue that children acquire awareness of societal expectations through observing and imitating the actions and behaviors of others, it has been claimed that even short term exposure to provoked violence augments to the threat that young viewers’ future behaviors will be typified by intensified physical or emotional hostility or aggression. Yet, to date, majority of the studies have put emphasis on violence enclosed in the entertainment channels themselves, discarding promotional campaigns for, and deep-seated within such programs. Only currently have the advertising messages for and within amusement products been provided any thorough analysis

Leadership Assignment Example | Topics and Well Written Essays - 2000 words

Leadership - Assignment Example A leader establishes the target himself while a manager is not authorized to establish the target. Rest of the work of a leader and a manager is the same. Both plan and control the work of the subordinates. A leader is also a manager but a manager is not a leader. A leader is not able to achieve his target unless he has robust management skills. A manager can be thought of as a leader in his own little capacity. He also takes decisions but his decisions are directed at organizing the subordinates in a way that is conducive for the achievement of the senior’s targets. b) I would consider it a great compliment if I am recognized by someone as a good manager or a good leader. Both are equally difficult skills. Some say that leadership is easier as compared to manager because the individual has the freedom to take independent decision. Nevertheless, this does not come without added responsibility. If a leader becomes successful, the whole team takes the credit. On the other hand, if the leader fails to achieve his target, the whole blame rests with him. Therefore, a leader assumes complete risk for the work. In comparison to the leader, the manager assumes very little risk. A manager is one of the team members in the hierarchy of the organization structure that a leader has. He is answerable to the leader for the compliance of the work quality, progress and cost as per the quality plan, project work schedule and the cost schedule he was originally provided by the leader. There can be a lot of excuses if any of these doesn’t comply with the original schedule owing to the hidden risks i.e. weather risk, political crises and financial crises etc. Nonetheless, management in itself is no less than an art. To make things go as per the schedule, a manager needs to have robust organizing skills. Yes, I can be both a manager and a leader as long as I have good risk identification and mitigation skills. c) Leadership has no relation to gender. A woman can be as good a leader as a man. Both men and women have their own strengths and weaknesses. Even within a particular gender, people greatly vary in their qualities. One woman may be a very good leader while another may not be so. Likewise, some men make very good leaders while others do not. All that matters is the extent to which an individual is foresighted, frugal and dominating, and both men and women can have these qualities in them. Q. 2 a) Emotional intelligence is an individual’s ability to monitor his/her own emotions as well as those of the subordinates or any group of people. People born with high emotional intelligence are more articulate in their manner and know how to deal others without offending them. In everyday life, we encounter a lot of situations which we don’t like being in. We have numerous options to deal with the complications, some of which help us achieve our targets without making anyone feel hurt while others lead us to our targets on the cost of our relationships with others. The behaviors we are required to exhibit in order to make things go smoothly vary from one situation to another. Sometimes, a mere smile on the face solves the problem. In other times, the smile won’t do. It has to be something else. People with high emotional intelligence know what behavior works best in a certain setting. Emotional intelligence has five dimensions namely â€Å"self-awareness, self-management, self-motivation, empathy and social skills†

Art Apprecition IP Week Two Essay Example | Topics and Well Written Essays - 500 words

Art Apprecition IP Week Two - Essay Example The art include famous tombs of emperors and Egyptian drawings (Robins, 2008). Appendix A shows the Sphinx of Senwosret III. The period was between 1878 B.C. to 1841 B.C. The artifact shows that the statue contains the half body of beast. The other part of the beast is the head of a human being. B. The Smithsonian Institution Freer Gallery and Sackler Gallery Ancient Art Sackler Gallery Ancient Art. The Smithsonian Institution Freer Gallery and Sackler Gallery Ancient Art Sackler Gallery Ancient Art contains art artifacts from the Ancient period. The time period includes famour art pieces like the huge Sphinx. The museum’s artifacts, including Appendix B, include collections from several countries. One of the prominent sections of the museum is dedicated to ancient Egyptian Art. The art pieces represent items coming from the time of the Pharaohs. The above sculptural design is typical of Ancient Egyptian Art sculpture (Schatz, 2009). C. The Louvre Museum. The Louvre, France, Museum also includes Ancient Egyptian art artifacts. The museum contains statues and other artifacts that represent the time of the Egyptian Pharaohs. Form of the Artwork. The two art forms have different forms. The hieroglyphic drawing (Appendix C) is two dimensional while the tomb of Pharaoh Perneb is three dimensional. The Ancient Egyptian art form is two dimensional. The pictures of the ancient Egyptian period include simple lines to show the shape of a human being or an animal. However, the Ancient Egyptian sculptures are three dimensional. An example of three dimensional art is the Sphinx statue (Springer, 2010). Additionally, the Appendix D picture shows the tomb of Perneb. It was constructed during 2381-2323 B.C. The tomb is made of stone and other cement-like materials. The tomb symbolizes there is an afterlife. Further, the materials used are plain paper. In the making of the pyramids and the Sphinx, stones were used in the making of the pyramids. Coarse mud

Tesco is the most successful supermarket chain in UK Essay Example for Free

Tesco is the most successful supermarket chain in UK Essay Tesco is the most successful supermarket chain in UK because of its well-known good services and product quality. To maintain this loyalty, they go greater lengths to improve and sustain quality. Tesco define quality assurance and quality control as an ongoing approach to providing 100% customer satisfaction by providing error free, waste free and accident free products and services. To establish this quality process, each functions management staff attends meetings every day on total quality management and on leadership of quality between functions to achieve objectives. Within the company, a quality improvement team meets weekly to lead and monitor the quality process. The organisation as a whole has principles that it operates on to ensure quality mainly: * A must to meet customer requirements and satisfaction all the time * Prevention of defects and errors of any kind * Measurements to verify the processes are meeting requirements as intended Improving quality in products is done in many ways. Starting with products produced by Tesco itself to meet their customer needs, products are inspected and tested at various points during production. Staff are highly trained to maintain quality and also keep personal hygiene so that they dont contaminate the products with germs. The products also have expiry dates which also monitored so that the expired ones are quickly removed. Most fresh products are not sold after 24 hours but instead removed and replaced with new ones. The place is regularly cleaned to maintain hygiene. The quality control assurance management is concerned with detecting and cutting out the products that fall below set standards. This process takes place after these products have been produced. Quality control is carried out by Tesco employing quality control inspectors. Inspection and testing are the most common methods Tesco uses to carry out quality control. Quality assurance occurs both during and after the event, and is concerned with trying to stop faults from happening. Quality assurance is concerned with making sure products are produced to satisfactory standards. Quality assurance is the responsibility of the workforce working in teams. Quality standards should be maintained by following steps set out in Tesco quality assurance system. Tesco produce their very own basic household products to satisfy the needs of various consumers. There are various processes involved in adding value in the process of their products. Tesco add value to their products by adding more information on the products. Even when a product remains the same, packaging information may have to be altered because of a change in legal requirements, changes in nutritional concepts, or advances in food preservation and cooking. For example, a product might have its packaging altered to indicate that it could be suitable for microwave cooking. It will therefore be necessary to test the product in their laboratory. Here they insert fibre optic probes into the product. This allows Tesco to monitor the temperature of the product whilst it is cooking, in order to ensure that it reaches a high enough temperature for it to be consumed with safety and this is how Tesco adds value to its goods so that customers are tempted and attracted to buy them. Quality Systems Tesco products are continually monitored and tested for their quality and customer acceptability; this is their product evaluation. Tesco staff and management procedures are also monitored to ensure that they maintain the highest standards; this is quality assurance. Below are the quality systems which Tesco use in their production process to add value. Total Quality Management (TQM) this is the most complete and complicated form of operations management. It is concerned with encouraging everyone in the workplace to think about quality in the business and use different management techniques within each department. Tesco does not prescribe any particular system of standards such as BS5750 or ISO9000. This is because they set their own standards through product specifications, detailed analytical specifications and codes of practice like preventing diseases from entering the food chain. Within the product process, they also expect their suppliers to have identified the critical points in the production process controls and premises by one of their technologists. However, if a supplier chooses to use BS5750 or ISO9000 as part of its discipline, they have no objection whatsoever. So therefore Tesco uses its very own quality standards to produce and sell its products. In terms of services, Tesco staff are well trained to deal with customers even in the most difficult moments when they are angry. They are always expected to be polite, smile when serving customers and also say bye after serving them. To enforce this, they are regularly monitored by managers and supervisors and anybody not obeying the regulations faces disciplinary action. Tesco not only has well trained staff but also a whole lot of other things including free car parks with easy access for shoppers who have cars, free wide trolleys with special seats for babies and young children, special tills for the disabled people which also decreases long queues, the supermarkets are well organised that a shopper can easily find what they are looking for and also the chances of getting lost around the places are very minimal, they have got staff always standing by to help, tight security with guards and CCTV cameras to maintain customer safety, some stores have free busses that customers can use, childrens play areas so that they dont get so bored, it has got online orders where customers make their orders and get free delivery to their door steps, shops are always open to make it more reliable for customers to shop, some stores are open twenty four hours a day and many are adopting this idea, chairs around the place which customers can sit on when tired, free l oyalty cards for customers who wish to sign up therefore saving on their shopping, Tesco not only provides western food but also ethnic foods to cater for the ethnic minorities, free scanners that shorten queues, special offers like buy one get one free, there is a variety of product s in the stores, more facilities including: -cafà ¯Ã‚ ¿Ã‚ ½s -photo processing -phone services -electric, books, music video stores -petrol stations C Tesco is definitely meeting its quality objectives. They have been awarded quality prices and granted as the best supermarket chain in the country. Their sales are always growing and the only time they fall is when the whole economy is not doing well which means people are in recessions. Because the business is able to deliver good quality services and products, it is increasingly expanding with stores all over Europe and also being the first UK supermarket chain to expand into Asia.

A Review on Client Side Load Balancing

A Review on Client Side Load Balancing Prof. Vikas Nandgaonkar, Prof.Prashant Dongare Harshal Mahajan, Awadhoot Lele, Akshay Gaikwad Abstract : Load balancing is an important issue while managing server resources in a cloud environment. The concept behind load balancing is to manage server load which includes number of resources like avaliable RAM,CPU bandwisth, etc as well as to manage incoming request on the server. In cloud environment, it is important that even small application requests from clients must be served with an appropriate response, but in convensional approach, it becomes difficult to serve small data resourcesover large ones. Here load balancing plays an important role by managing and distributing load from one server evenly across multiple servers. Our approach is to perform load balancing at client side which means to shift load management process at client side hence reducing servers load balancing overhead. Keywords— string matching, experimental algorithms, text processing, automaton, pattern I. Introduction Cloud computing may be a new term within the computing world and it signals the appearance of a brand new computing. Cloud computing is Associate in Nursing on demand service within which shared resources, data, computer code and alternative devices area unit provided in step with the purchasers demand at specific time. It’s a term that is mostly employed in case of web. the complete web is viewed as a cloud. Capital and operational prices is cut victimisation cloud computing. Load equalisation in cloud computing systems is absolutely a challenge currently. continually a distributed resolution is needed. Jobs can’t be appointed to acceptable servers and purchasers separately for economical load equalisation as cloud may be a terribly complicated structure and elements area unit gift throughout a good unfold space. Our aim is to produce Associate in Nursing analysis and comparative study of those approaches. Cloud computing could be a bunk meaning totally different things to different individuals. For some, its simply in our own way of describing IT (information technology) outsourcing;others use it to mean any computing service provided over the Internet or an identical network; and a few outline it as any bought-in laptop service you utilize that sits outside your firewall. Different types of cloud Based on the domain or environment in which clouds are  used, clouds can be divided into 3 categories: Public Clouds It is type of cloud which can be access from  anywhere in the world and can be accessed by anyone. Examples of this cloud are Amazon’s or Google’s cloud  which are open to all after specific SLA between user and  provider. Private Clouds In this type of cloud the specific  organization’s or company’s employee can only get access  and it will be accessible only within organization’s premises  and by authenticating each and every user, it is not open to  all. Hybrid Clouds (combination of both private and public  clouds) This types of cloud are combination of both public  as well as private cloud. Most of the commercial use is  influenced by this type of cloud. Different services provided by Cloud Fig 1: Services of cloud.[1]. A. Infrastructure as a Service (IaaS) Means we have a tendency to area unit buying access to raw computing hardware over world wide web,such as servers or storage. Since we have a tendency to get what you would like and pay-as-you-go, this is {often|this can be} often said as utility computing. normal net hosting may be a straightforward example of IaaS: we have a tendency to pay a monthly subscription or a permegabyte gigabyte fee to own a hosting company serves up files for our web site from their servers. B. Software as a Service (SaaS) Means we use a  complete application running on someone elses system. Web-based email and Google Documents are perhaps  the best-known examples. C. Platform as a Service (PaaS) Means we develop  applications using Web-based tools so they run on systems software and hardware provided by another company. So, for example, we might develop your own ecommerce website but have the whole thing, including the shopping cart, checkout, and payment mechanism running on a merchants server. Force.com (from salesforce.com) and the Google App Engine are examples of PaaS. Existing Load Balancing Algorithm A. Dynamic Load Balancing Algorithm: In a distributed system, dynamic load equalization is worn out 2 totally different ways: distributed and non-distributed. within the distributed one, the dynamic load equalization algorithmic program is dead by all nodes gift within the system and also the task of load equalization is shared among them. The interaction among nodes to attain load equalization will take 2 forms: cooperative and non-cooperative [4].Dynamic load equalization algorithms of distributed nature, typically generate additional messages than the non-distributed ones as a result of, every of the nodes within the system must move with each alternative node. A benefit, of this can be that though one or additional nodes within the system fail, itll not cause the overall load equalization method to halt, it instead would effects the system performance to some extent. Distributed dynamic load equalization will introduce Brobdingnagian stress on a system within which every node must interchange standing info with each alternative node within the system. In non-distributed kind, either one node or a gaggle of nodes do the task of load equalization. Non-distributed dynamic load equalization algorithms will take 2 forms: centralized and semi-distributed. within the initial kind, the load equalization algorithmic program is dead solely by one node within the whole system: the central node. This node is exclusively chargeable for load equalization of the entire system. the opposite nodes move solely with the central node. In semi-distributed kind, nodes of the system square measure partitioned off into clusters, wherever the load equalization in every cluster is of centralized kind. A central node is nonappointive in every cluster by acceptable election technique that takes care of load equalization at intervals that cluster. Hence, the load equalization of the entire system is completed via the central nodes of every cluster[4]. Strategies in Dynamic Load Balancing: 1) Transfer Policy: The part of the dynamic load balancing algorithm which selects a job for transferring from a local node to a remote node is referred to as Transfer policy or Transfer strategy. 2) Selection Policy: It specifies the processors involved in the load exchange (processor matching) . 3) Location Policy: The part of the load balancing algorithm which selects a destination node for a transferred task is reffered to as location policy or Location strategy. 4) Information Policy: The part of the dynamic load balancing algorithm responsible for collecting information about the nodes in the system is reffered to as Information policy or Information strategy. B. Distributed Load Balancing For the Clouds: (a) Honeybee Foraging Algorithm: In load-balancing operation,[2] every server takes a specific bee role with possibilities post exchange or pr. These values area unit wont to mimic the bee colony whereby an explicit range of bees area unit maintained as foragers – to explore (px); instead of as harvesters – to take advantage of existing sources. A server with success fulfilling asking can post on the advert board with likelihood pr. A server might at random select a virtual server’s queue with likelihood px(exploring), otherwise checking for an ad (watching a waggle dance). In summary, idle servers (waiting bees) follow one in every of 2 behaviour patterns: a server that reads the advert board can follow the chosen advert, then serve the request; therefore mimicking harvest behaviour. A server not reading the advert board reverts to forage behaviour; pairing a random virtual server’s queue request. associate degree corporal punishment server can complete the request and calculate the prof it of the just-serviced virtual server. Fig 2 :Virtual Servers and Advert Boards[2] II. Problem Statement To develop scalable, secure and fault tolerant client side load balancing application to leverage strength of cloud components[1] by using signature driven load management algorithm along with dynamic time wrapping[3]. Proposed System In our proposed model we establish cloud setup between  two computers using Ubuntu, xen and Eucalyptus on  peer to peer network. This can be discussed as follows- 1. Cloud Setup Creating cloud (test bed) by using  (Ubuntu, Xen and Eucalyptus 2. Resource Monitoring monitoring critical  resources like RAM, CPU, memory, bandwidth,  partition information, running process information and  utilization and swap usages etc. 3. Load Balancing load balancing algorithm for  homogeneous and heterogeneous architectures. 4. Testing In order to evaluate the performance of  complete setup, need to deploy resource monitoring and  load balancing tools on test bed and evaluate  performance of our algorithm. A. What is Resource Monitoring? Cloud computing has become a key manner for businesses to manage resources, that square measure currently provided through remote servers and over the web rather than through the recent hardwired systems that appear therefore out of date nowadays. Cloud computing permits corporations to source some resources and applications to 3rd parties and it means that less problem and fewer hardware in an exceedingly company. rather like any outsourced system, though, cloud computing needs watching. What happens once the services, servers, and web applications on that we tend to have faith in run into hassle, suffer period, or otherwise don’t perform to standard? however quickly can we tend to notice and the way we tend toll can we react? Cloud watching permits America to trace the performance of the cloud services we would be victimisation. whether or not we tend to square measure victimisation in style cloud services like Google App Engine, Amazon net Services, or a made-to-order answe r, cloud watching ensures that every one systems square measure going. Cloud watching permits America to follow response times, service accessibility and a lot of of cloud services in order that we are able to respond within the event of any issues. B. Approach to Resource Monitoring Here during this section we tend to area unit developing Associate in Nursing application in java where we tend to area unit observance the node resources like RAM, CPU, Memory, Bandwidth, Partition data, Running method data and utilization by employing a Third Party merchant application like SIGAR (System data Gatherer and Reporter). Proposed Algorithm Client side load balancing system which leverages strength of cloud components and overcomes above mentioned disadvantages Signature Driven Load Management(SigLM) using Cloud The above algorithm works by capturing system’s signature like available RAM, current CPU bandwidth available and other resources. Once captured, that value is compared with default threshold value and accordingly load like incoming requests is shifted to target node machine using Dynamic Time Wrapping (DTW) technique. Dynamic time wrapping works by considering source node as given by SigLM algorithm and makes some calculations to predict target node to which the load is to be shifted. This algorithm has better results than conventional algorithms with following advantages : Caption of resource signature. Scheduling by comparing signature of each server. 30%-80% improved performance than existing approaches Scalable, efficient and 0.0% overhead Dynamic time wrapping (DTW) for selection of target node at runtime. Client side means to perform load balancing before requests hit to server. D. Conclusion : In this paper we tend to created non-public Cloud setup mistreatment Ubuntu, xen and Eucalyptus which we tend to use as a workplace for closing implementation of DTW algorithmic program. we tend to conjointly did literature survey of existing resource observation tools additionally as load leveling tools and are available up with Associate in Nursing algorithmic program for various design with higher performance. In this paper we tend to discuss the implementation modules of Signature pattern matching DTW algorithmic program with the right flow diagrams that simplifies the work of Load Balancer. The planned metrics may be any refined by taking a lot of elaborate formalism for every module. References [1] Tony Bourke: Server Load Balancing, OReilly, ISBN 0-596-00050-2 [2] Chandra Kopparapu : Load Balancing Servers, Firewalls Caches,Wiley, ISBN 0-471-41550-2 [3] Robert J. Shimonski : Windows Server 2003 Clustering LoadBalancing, Osborne McGraw-Hill, ISBN 0-07-222622-6 [4] Jeremy Zawodny , Derek J. Balling: High Performance MySQL,OReilly, ISBN 0-596-00306-4 [5] J. Kruskall and M. Liberman. The Symmetric TimeWarpingProblem: From Continuous to Discrete. In Time Warps,String Edits and Macromolecules: The Theory and Practiceof Sequence Comparison, pp. 125-161, Addison-WesleyPublishing Co., 1983. [6] Matthew Syme , Philip Goldie: Optimizing Network Performancewith Content Switching: Server, Firewall and Cache Loadbalancing, Prentice Hall PTR, ISBN 0-13 101468-5 [7] Anthony T.Velte, Toby J.Velte, Robert Elsenpeter, Cloud  Computing A Practical Approach, TATA McGRAW-HILL Edition22International Journal of Advances in Computing and Information ResearchesISSN: 2277-4068, Volume 1– No.2, April 2012 [8] 2010.Martin Randles, David Lamb, A. Taleb-Bendiab, A Comparative Study into Distributed [9] Load Balancing Algorithms for Cloud Computing, 2010 IEEE 24th International Conference on Advanced Information Networking and Applications Workshops. Mladen A. Vouk, Cloud Computing Issues, Research and Implementations, Proceedings of the ITI 2008 30th Int. Conf. on Information Technology Interfaces, 2008, June 23-26. [10] Ali M. Alakeel, A Guide to Dynamic Load Balancing in Distributed Computer Systems, IJCSNS International Journal of Computer Science and Network Security, VOL.10 No.6, June 2010. [11]  http://www03.ibm.com/press/us/en/pressrelease/22613.ws [12]  http://www.amazon.com/gp/browse.html?node=20159001 [13] Amazon Elastic Compute Cloud http://aws.amazon.com/ec2/. [14] M. Vlachos, M. Hadjieleftheriou, D. Gunopulos, and E.Keogh. Indexing Multi-Dimensional Time-Series with Support for Multiple Distance Measures. Proc. of SIGKDD, 2003. [15] Keogh and C. A. Ratanamahatana. Exact indexing of dynamic time warping. Journal of Knowledge and Information Systems,2004.23

The Growing Problem of Terrorism and Terrorists Essay -- Terrorists E

Individuals often establish belief systems in regard to attitudes, behaviors, religions, and other areas based on beliefs and practices that they accepted during the early stages of maturation when many of their interactions were influenced by their families, who both supported and practiced the same traditions. In America the customary stance toward these varied opinions is to view them with tolerance, regardless of how strange or wrong the belief or action might seem. While individually people may disagree with the beliefs of other people, under ordinary circumstances, most Americans would either offer friendly advice or completely ignore situations that would not lead to dangerous or deadly outcomes. However, it seems to me that some people within practically all groups, regardless of their designations, sometimes decide to carry their belief systems to the extreme. Extremists move into the category of fanatics or radicals who seek to establish their belief systems as the only means for achieving a desired outcome. When people become fanatics, they believe that their ideals are the only acceptable way to live. Some will seek to destroy others who do not believe or act as they do. At that point, extremists become terrorists because they try to force others to accept their practices in such areas as social behaviors, politics, and religion. Terrorists frequently want everyone to practice the same social behaviors. Dressing in a particular style, eating specific foods... The Growing Problem of Terrorism and Terrorists Essay -- Terrorists E Individuals often establish belief systems in regard to attitudes, behaviors, religions, and other areas based on beliefs and practices that they accepted during the early stages of maturation when many of their interactions were influenced by their families, who both supported and practiced the same traditions. In America the customary stance toward these varied opinions is to view them with tolerance, regardless of how strange or wrong the belief or action might seem. While individually people may disagree with the beliefs of other people, under ordinary circumstances, most Americans would either offer friendly advice or completely ignore situations that would not lead to dangerous or deadly outcomes. However, it seems to me that some people within practically all groups, regardless of their designations, sometimes decide to carry their belief systems to the extreme. Extremists move into the category of fanatics or radicals who seek to establish their belief systems as the only means for achieving a desired outcome. When people become fanatics, they believe that their ideals are the only acceptable way to live. Some will seek to destroy others who do not believe or act as they do. At that point, extremists become terrorists because they try to force others to accept their practices in such areas as social behaviors, politics, and religion. Terrorists frequently want everyone to practice the same social behaviors. Dressing in a particular style, eating specific foods...

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