Impact of E-banking on Traditional Banking Services

Impact of E-banking on Traditional Banking Services Introduction: In order to introduce e-banking and traditional banking this part of the article is explained a short background of established bank, problem statements, research question and the research intention. Also, a concise overview of e-commerce activity on e-banking and traditional bank has been presented in this chapter. Bank and business are intimately connected to each other. At the beginning, the original type of commercial bank that handled customer deposits and made investment loans to businesses. Franlin (1995) illustrated that the traditional banks only entities legally able to issue checking accounts prior to the 1980s. While still dominant in the banking industry, traditional banks are joined by savings and loan associations, credit unions, and mutual savings banks. In a recent decade, traditional banks adopted e-commerce and converted to e-bank that is an important component of business development plan. During better times, business is easier to acquire and maintain. An extreme view speculates that the e-banking will destroy old models of banking services (DeYoung, 2001a). This extreme view proved that banks take advantage of this new technology that depends on their assessment of the profitability and established e-banking services (Malhotra and Singh, 2009). For example, Titrade (2008) demonstrated that e-banking services offer customers to get online benefits those are: à ¢Ã¢â€š ¬Ã‚ ¢ achieve information about accounts and loans, à ¢Ã¢â€š ¬Ã‚ ¢ transfer money to different accounts, even between external banks, à ¢Ã¢â€š ¬Ã‚ ¢ Paying bills, à ¢Ã¢â€š ¬Ã‚ ¢ Buying and selling stocks and bonds by depot, à ¢Ã¢â€š ¬Ã‚ ¢ Buying and selling fund shares Magdalena and Luminita (2009) reported that banking services through internet have, generally, operational and transactional costs cheaper than usual banking services. In the meantime, banking industry must adapt to the electronics age, which in its turn is changing all the time In addition, Berger (2003) revealed that industry analysis outlining the potential impact of e-banking on cost savings, revenue growth and risk profile of the banks have also generated considerable interest and speculation about the impact of the e-banking industry on traditional bank. However, one of the issues currently being addressed (Titrade, 2008) is the impact of e-banking on traditional banking. Rogers (1998) points out that the impact of traditional bank measures based only on traditional balance sheet figures where as largely ignored non-traditional activities. On the other hand, Panait (2009) argued that the impact of e-banking evaluates to customer information under the existing regulations. Ensure the security and confidentiality of customer information; Protect against any anticipated threats or hazards to the security or integrity of such information; Save from unauthorized access to or use of such information that could result harm or problem to any customer. Researchers important activities and usefulness course of action have prompted a search for better methods for reducing impact of traditional banking service. Although a number of methods have been reported, simple and efficient approaches still remain scare. In recent years much effort has been devoted to study the effect of different measuring extreme systematic risk process (Olivier, 2008). In this paper it will be discussed how e-banks are different from the traditional banks in terms of profitability, cost efficiency, asset quality and other characteristics by examining bank financial statements. The present study will examine a comprehensive a set of measurements of financial performance that allow us to look inside the black box of e-banking performance. By developing a deeper understanding of these phenomena, we can draw more insightful inferences about the impact of e-banking strategies, production processes and financial performance. Background: Research significance: The need and demand of e-banking possesses a great challenge for traditional banking service. In order to meet a high-quality service in business sector traditional banking service has to be optimized to e-banking. The significant of research associated with e-bank itself and e-commerce, off course, lies in its availability. Ineligible banking progress and decisions may amplify a financial strategic risk (Cezar et al.). Carter and Garcia (2009) made it clear that traditional banking system and transactions have recognized that they are not as permanent as previously assumed. The loss of confidence in traditional banking system has revealed by the recent financial system fall down. Panait (2009) made it understandable that banking operations hazard arises from fraud, handling errors, system trouble, or other unexpected actions. This risk continues in each item for consumption and service offered. Funding and investment-related risks could increase with an institutions e-banking initiatives depending on the volatility and pricing of the acquired deposits. On the other hand, the drawback lies in its security factors and complexity. Both of them have profound impact of e-banking traditional banking service. It may appear form social and organizational perspective (Ioannis, 2009) and may arise due to a failure of some relevant integrity or all the lack of authentic and confidential information. From the above point of view, it is clear that traditional banking faced a lot of problems from different user and non user. The study can be extend this examine to all banks offering online banking sectors. Problem statement: Main area of this study is impact e-banking on traditional bank services and several drawbacks of some traditional banking. There are few reasons for directed on this topic: 1) Most traditional bank activities, such as banks acting as derivatives dealers, expose banks to risks and moral hazard problems failure to get customer satisfaction (Franlin, 1995). 2) A potential commercial market for e-banking services are successful, but old model banks getting lose to manage their vast expenses (Yuan, 2010). 3) The banking sector has been most successful with online transaction, easy internet access, the availability of secure, high standard online banking functionality, cost savings, and the necessity of banking services (AC Nielsen Consulting 2000; Laforet Li, 2005). Besides that poor public image, customer dissatisfaction, competition and specialization had made the practice of much more difficult to deal traditional banking. Research Question: The research questions of this study relate to the factors that influence the adoption and implementation of e-commerce in particular reference to the traditional banking industry. The specific questions to be examined are: What impact factors verify the adoption of ecommerce in traditional banks? According to the present study I initiated following question: How e-banks are different from the traditional banks? How the traditional banks financial performance affected by e-banking? General responsible of bank is public funding operation such as; payment and deposits then why bank are regulated? In comparison with e-banking why traditional bank services failed to get customer satisfaction? How to utilize the new digital products and services to create a more sustainable future. Aim and object: Aims: In view of the extensive occurrence of traditional banking in our society, specifically in public sector and organizations as well as their important activities of the e-banking, it is planned to search for better methods and recommendation for developing banking systems. Objectives: The study is designed to correspond with the objectives of assessing the impacts of e-banking, specifically focusing e-banking on the traditional banking service. The following objectives are discussed: Understanding e-banking and traditional banking terms of profitability. To assess the impact of e-banking on traditional banking service. To identify and highlight potential improvements what reduces the impacts of traditional banking. To highlight the different products or services distribution strategies which increases resource of efficiency and customers satisfaction? 2. Literature review: 2.1. E-banking VS traditional banking: The banking sector is an integral part of the economy. Bjelica and Dejan (2010) addressed that traditional banks are considered to be financial institutions which deal with financial activities in terms of collecting deposits and giving loans. An e-banking, on the other hand, is consists of several distribution channels that can supply several information about transaction (Karjaluoto (2002a). Similarly, Daniel (1999) illustrated that e-banking is the delivery system of banks which provides information and services to customers via different delivery policy that can be used with a variety of devices such as a internet accessory, cell phone and desktop, telephone or digital television. Under the traditional bank payment transactions, we assume every payment which is done via a bank or some other similar organization concerning any kind of legal affairs (Bjelica and Dejan, 2010). However, the Internet is a main delivery channel for e-banking and its value to customers and banks is continuously increasing its delivery systems (Karjaluoto, 2002; Mattila, 2001). But, the payment transactions system does not include only cash payments, i.e. when a debtor gives money to a creditor. Definition of traditional banking transactions system extended by Bjelica and Dejan,( 2010) that all natural and legal persons are on the side of the applicants while the authorized organizations for payment transactions (banks, PTT exchange, savings banks) are on the side of the recipients. Conversely, e-banking is the automated delivery system to customers through internet, interior message channels (Daniel, 1999; Sathye, 1999). According to Basel Committee report on banking supervision (2008) it refers to the provision of retail and banking products and services through electronic channels. Thus in the most encompassing definition, electronic banking would run the gamut from direct deposit, ATMs, credit and debit cards, telephone banking, to electronic bill payment and web-based banking. 2.2. Movement of e-banking According to Karjaluoto (2002), the consumer movement from traditional branch banking to e-banking has meant that new strategies to attract new customers and retain existing ones become critical. Ranaweera and Prabhu (2003) argue that ideally, firms should aim at a combined strategy that makes switching costs act as a complement to customer satisfaction. While customer satisfaction may be one important driver of customer retention, switching costs are also likely to influence customer retention (Lee et al., 2001; Ranaweera and Prabhu, 2003). Portal providers are likely to attract the most significant share of banking profits. Indeed banks could become glorified It required much more effort to manage and sustain a successful practice. 2.3. The impact of traditional bank: In the last two decades the impact of traditional banks tainted a great deal. Therefore the understanding of the essence of this banking system has been changed as well. Bjelica and Dejan (2010) illustrated that many aspects prejudiced this trend. For example; internationalization, globalization, the increase in number of financial services, the progress of competition, technological development and the appearance of a great number of innovations have changed banking system. In addition, Altunbas et al., (2001), Iannotta et al. (2007) argued that the impact of traditional bank is focused on ownership of different types banking service such as; the state ownership (Porta et al.,2002), Berger et al. (2005), Micco et al. (2007), foreign ownership (Berger et al. (2005), Lensink et al. (2008), Staikouras et al. (2008)) and block holder ownership (Caprio et al. (2007), Laeven Levine (2008)) are on the banking performance. Furthermore, DeYoung et al. (2001) was studied to examine the impac t of the level of management and board ownership on bank efficiency. By separating management and board ownership, It address the criticism presented in Demsetz Villalonga (2001) that many studies on the impact of management ownership has included board ownership in the management or insider ownership variable even though the interests of the management and board are different. 2.4. Potential improvements that reduces the impacts of traditional banking Goski et al.(2007) concentrated on the frustrations of accessing credit facilities compel from formal banking systems to informal enterprises which is non banking activities and informal arrangements to access funds for their business operations. De Wulf et al. (2001) realize that building a profitable and sustainable long term relationship with customers is central to the relationship marketing theory. Correspondingly, increasing customers retention, developing and maintaining trust and commitment between sellers and customers (Gaur Xu, 2009) are part of theory. In addition, Gaurav, (2008) appreciated that achieving high customers loyalty and more customers satisfaction is the main objectives of an organization. Also, cost reduction due to the better understanding of customers needs (Ndubisi, 2004) equally important of marketing theory. The application of relationship marketing theory has even extended into financial services, due to the deregulation policy (Yavas Yasin, 2001). The removal of restrictions between banks, building societies and insurance companies (Speed and Smith, 1992) and the vast expansion in the adoption and use of information technologies (Bergeron et al, 2008) is important factor. There are outlined specific actions that organization should consider in implementing a security program (Ramball M. (2008)). These measures include: Identifying and assessing the risks that may threaten consumer information; Developing a written plan containing policies and procedures to manage and control these risks; Implementing and testing the plan; Adjusting the plan on a continuing basis to account for changes in technology, the sensitivity of customer information, and internal or external threats to information security. There are also outlined the responsibilities of management to oversee the protection of customer information including the security of customer information maintained or processed by service providers. Titrade, (2008) afraid that in opportunity of e-banking and its allegation are uncertain. The points of view in favor are as follows: à ¢Ã¢â€š ¬Ã‚ ¢ E-banking transactions are much low-priced than branch or even phone transactions. This could be a large competitive advantage for e-banking, that allow e-banks to undercut bricks-and-mortar banks. This is commonly known as the beached dinosaur theory. à ¢Ã¢â€š ¬Ã‚ ¢ E-banking will lead to al other banking sector that is currently enjoyed by the major UK banks. 2.5. Products or services which increase resource of efficiency and customers satisfaction: Traditional banks may simply be left with payment and settlement business even this could be cast into doubt and customers unhappiness. The idea of customer pleasure has been exercised since the early 1980 (Bailey Pearson, 1983; Ives, Olson, Baroudi, 1983) and its have been studied since the 1980 (Bailey Pearson, 1983; J. Chin, Diehl, Norman, 1988; Ives et al., 1983; Rivard Huff, 1988; Rushinek Rushinek, 1986). Bailey et al. (1983) state that several factors affect the user satisfaction and it can be seen as a bi-dimensional attitude. The user satisfaction can be seen sum of users feeling and attitudes toward several factors that affect the usage situation (Bailey et al., 1983). Recently, there has been growing interest in traditional bank user experience (Hiltunen et al., 2002; Lindgaard Dudek, 2003; Wilson Sasse, 2004), which can be seen as much larger concept of consumers satisfaction. User experience has become an important factor in e-banking because the end user often pays for the majority of new products and services, which indicates that new products characteristics such as; security, ease of use, Digital products/services, transaction and payments, and innovation contents(Khanfar, 2006). From this perspective, assessing the user experience is essential for many technology products and services (Wilson Sasse, 2004). 3.2. Theoretical framework: From the practical point of view, there are mainly two kinds of venture, one of which is adaptation of e-commerce and other is development of e-banking. Kyu and Bipin (2001) provided both theoretical explanations and empirical validation on the adoption of e-commerce for traditional banking services. Regarding the adoption of e-banking, they enabled to offer specific recommendations on marketing strategies for practitioners. Ronald (2003) observed that law and right and the increase of internet facilities moved up the transaction. Elias (2000) explored the status of e-commerce in the banking industry. Many researches focused on the user of e-banking that have been done on adoption of e-commerce, and the following factors influencing it. Security: The quality or state of being secure to be free from danger. Ease of Use: A method that the bank Availableness it for the customer who through it use the procedures of banks easily. Digital Products/Services: Goods and services that can be transformed to digital format and deliver upper the internet banking. Transaction and Payment: services and procedures that the bank availableness for the customer who through it able to payment and other borrow and other transaction form banks online. Information Content: content at a web site that need to be changed continually to keep it up to date. Innovation: the innovation of new ideas such as new technologies, design and best practice that permit bank to compete efficiently in the worldwide environment. When an enterprise realized danger, it will takes a series of examine on the basis of tthree hypothesizes. This study tries to make relationship and linkage between e-business and networking technology. HYPOTHESIS DEVELOPMENT The proposed model depicts that a customers assessment of traditional banking service quality is positively related to customer satisfaction and his/her willingness to recommend and will decrease his/her likelihood to complain. On the other hand, if the customers assessment of the traditional banking service quality is negative, the customer will engage in unfavorable behavioral intentions. Therefore, the following hypotheses are developed: H1: There is a significant difference between customers expectations and their perceptions of service quality offered by traditional banking. H2: There is a significant relationship between traditional banking service quality and customer satisfaction. H3: There is a significant relationship between internet banking service quality and customer behavioral intentions H4: Customers at are dissatisfied with banks environment and location. There is a significant relationship between customer satisfaction and customer behavioral intentions 3. Methodology: The methodology will be based on a cross- sectional survey method with three (3) main components. These included Reviews, Contacts and Field Activities. The review was conducted through desk research of online resources, research papers, working documents, conference documents, and other publications. The contacts were made through one on one discussion and/or small group discussions by visiting offices and officials of banks whether, semi informal or formal. A self developed instrument was used for the field exercise. The study classified the system into three categories based on the classification by (Basu et al., 2004) in an IMF working paper. The suggested method which is also applicable in the study is the use of the questionnaires wherein the banks can determine the level of understanding of the customers about the online banking and the other related services. Also through the help of the questionnaires, the banks can measure the influence or the impact of the interactive banking in finding solutions out of the clients busy life. All of the information created out of the questionnaires will lead to the determination of the various perceptions of the customers in the services that is offered through the use of Internet. Investigation will be prepared by collecting data, analyzing, comparing and interpreting the results according to literature procedure. The course of action will be ready by gathering data from several years to current published journal. The data will be monitored by comprising with several aspects. The accumulated data will be justified based on analytical data obtained from internet publication. Rationale: The important networking activities and usefulness as natural process have prompted a search for better methods of producing e-business. Although a number of synthetic methods for judging of e-business have been reported, simple and efficient approaches still remain scare. Limitation: To collect more information from present fast moving situation, manage formal and informal interview within the time will be main problem for this study. Anyway, more limitation will be including actually when I will handing out data. Reflection: e-banking is the real output of the impact of traditional bank. Timetable: Task Start End Research proposal 10/11/2010 18/11/2010 Topic selection 19/10/2010 22/11/2010 Finding 23/11/2010 30/11/2010 Literature review 01/12/2010 10/12/2010 Problem identification 11/12/2010 15/12/2010 Methodology 15/12/2010 20/12/2010 Drafting 21/12/2010 27/12/2010 Submission of research proposal 28/12/2010 08/12/2010 Conclusion: The result of this study shows that traditional bank users are not completely satisfied in comparison with online banking system. Traditional bank did not provide sufficient facilities to their clients that they obtained from online bank organizers. For instant, e-bank consumers are achieving several benefits such as; ATM, internet banking, credit card and a range of buying or selling option. As a result, most of the customers are moving to e-banking system. Usefulness, perceived ease of use; consumer awareness and perceived risk are the important determinants of e-banking banking adoption. This study meets the desired objective; but it suffers from one setback. Study concludes that a majority of customers are accepting e-banking since of many positive issues. We concluded that value, effortlessness of use of the system and the awareness about online banking and risks related to it. Those are real thing to accept online banking system. These factors have a strong and positive effect on customers to accept online banking system. These researches provide a rapid entry to justify business market in all conditions. This methodology is expected to be widely used in e-banking sector. Therefore, the process will provide a new entry into the active system for improving traditional banking system.

Literacy Narrative

Kyle Crifasi Richard English IV, 1B 31 August 2011 Literacy Narrative Typically, people think of reading when they see a novel or a short story, but I think of reading when I’m out on the baseball field. When I hear the word â€Å"reading†, unlike most people, I think of a green grassy baseball diamond at night, with the lights lighting it up, filled with fans in the stands. Believe it or not, I read all the time on the field. I read the ball coming off the bat when I’m playing in the field. When I hear the â€Å"ding† of the metal bat and hard, rubber ball colliding, I know that there is a chance I could make a great play. I can see the ball getting bigger and bigger as in approaches me. I read the ball coming out of the pitcher’s hand, picking up the spin as soon as I can so I can know when and where to swing to make solid contact with the ball. I even read people’s body language when I’m pitching. I can tell a lot about the batter by how he’s standing and the facial expression on his face. Learning how to read all of these things took lots of practice and discipline. Throughout the years, all of my coaches have stressed how important it is to react to what I see through my â€Å"readings†. I learned to read these things when I was just a little four foot tall, 60-pound kid. A bit after I started to learn how to read words on paper, I was learning to read on the field, too. I find the reading that I do on the field much more fun than reading a book or story. I believe that my love for baseball grew because I felt a connection with the type of reading it involved rather than the kind of reading done with books. These readings are important to me so I can do my job and be the best player I can be on the field. When I’m at bat, I have to read the spin on the ball as it comes out of the pitcher’s hand as fast as I can so I can react with the perfect swing at the best time in the right location. If I don’t read it correctly or if a pitch fools me, I swing and miss. I’ll have to deal with striking out for the rest of the game until I get my next chance to show what I can do. When I’m in the outfield, my job is to catch anything that’s hit into my area. I have to be able to read the ball right when it makes a connection with the opposing batter’s bat. I have to know how high its going, how hard its hit, which way it’s spinning, and which way the wind will blow it. If I read one of these things wrong, it could turn out to be bad for the team and embarrassing for me if I miss it. Coach Broussard would always tell me to look into the opposing batter’s eyes when I pitch. That intimidating look that a pitcher can give will really get in the batter’s head. He will be wondering hundreds of different thoughts before I throw the ball exactly where I want it. I’m the one in control and he is just going through his mind trying to figure out, or guess, which pitch I’m about to throw him. After a couple pitches, when I have him right where I want him, I can play around with his mind even more. I can throw anything I want and I can even waste a couple bad pitches hoping he’ll swing and miss, just to make him look stupid. When I can read all of these things correctly, that’s when I can play the best and it’s because of my coaches and what they have taught me that have made me so great at â€Å"reading†. Reading is important in my life not only on the field but in the classroom as well. Without learning how to truly read and write, I would not be able to accomplish anything in life. I remember when I first learned to read. I was about three years old and my mom would read books to me and I would follow along with her. She would read the books with the gold spines and they were always books that made me happy and I was always happy to read them. I always enjoyed reading back then more than I do now. The books that I read now, I’m usually forced to read and they usually aren’t interesting to me. To me, reading means many things, not only the reading of text on a page but actions of others and myself as well. Most other people may not say that they will think of baseball games when thinking of how they read in real life, but I view the game of baseball that way and I like to share about how I can read in many different ways in life. Reading books is definitely not one of my favorite hobbies to do, but every once in a while I will find a good book that will catch my interest for the next couple of months. My learning experience from reading on the field has taught me another meaning of literacy that I would not have realized if I had not thought about what reading really meant to me. I can now understand how I use reading in all different aspects of my life better, and not just in the classroom but throughout my everyday activities, like baseball. Words: 1000 Literacy Narrative Literacy Narrative Learning to read, write, and compose is a major part of every human beings life and if your guided and/or helped to becoming a good reader, writer, or composer that is double the excellence. Learning to read, write, and compose is a privilege. Not all humans get this privilege of learning these special qualities. These qualities not only help you with other humans but with yourself in the rest of your life. These qualities or traits you obtain help you in everyday life to help you live a life at ease without the struggle of not being able to read, write, compose, and such. When I was very young, my parents would read to me every night I went to sleep. They would tell me â€Å"Austin, it’s time for bed,† and I would run to my room to my blue bookshelf that I had in the corner of my room. Now, they would be following close behind me and re-emphasize that I could only choose two books, but usually I convinced them to let me pick out three books instead. I loved having a ton of books when I was young and all of them made it to my bookshelf. My favorite books were â€Å"The Little Engine That Could† and another book that was about a bear that went outside to play and got ants in his pants. This book usually got a little giggle out of me as a child and oh how I loved my parents reading it and all the other books to me. This explains my sprint to my room every night as a youngster. Having my parents read to me at a very young age somewhat jumpstarted my brain and led me to learn lots of words and phrases as a kid. Being that they read to me every night, I always was listening and hearing words and even sometimes having an image to relate words to. I believe that the reading that was done for me every night before I went to bed was a large part of my learning to read. At this age, it was almost as if I’d rather not see the words, but just listen to them and look at all the pictures. As I grew up I started to really enjoy reading. I think that all the reading my parents did for me, encouraged me to become an avid reader then. At this age, I became the biggest fan of â€Å"The Magic Tree House† series by Mary Pope Osborne. I read these books from cover to cover and enjoyed every one of them. After finishing one of the books, I would love going and telling my parents all about the story line and what happened in it. When I would finish the last book that was published, I would pre-order the next book that was coming out and start reading it the day I got it. These books always drew my attention and most definitely sparked my likings for reading in elementary and middle school. In elementary and middle school my mom would always pick me and my little brother up. One thing I would always seem to notice is that my mom was usually on the phone so I couldn’t tell her about my day the second I got in the car, but when she eventually got off; my brother and I were full of words. We both loved talking and telling stories about our days. Whenever my dad would arrive home after work around 6 pm every night, I would notice he always got in and hit his desk with piles of papers and work to do that night. He would have some leisure time to read the paper and eat dinner but then he was paying bills and getting his deadlines met for work. My mom and dad always had these big complicated conversations in the kitchen too when I was around, usually about my dad’s work drama, with these words that I had no idea existed. As I grew up, my interest for books started to somewhat slip off the map. I didn’t always have a book that I was working on and I wasn’t ever really as excited to read like I was when I was much younger. The projects and homework started to pile up a lot more once school progressed from elementary school to middle school to high school and I feel that it almost eats away at my free time to do any casual reading anymore. When I did have a project or an interesting reading for homework though, I would enjoy doing the research and learning new things about the certain topics. When my love for books continued to fade away, I picked up a new hobby of reading magazines and the newspaper. I love reading things in the paper that I know have to do with my city and me and love reading an interesting magazine whether it’s the new edition of Sports Illustrated or the Hunting Gear Magazine full of cool articles about new weapons across the globe. I started reading the paper every morning and subscribing to interesting magazines on the internet that I just couldn’t get enough of. I believe that all my life experiences and my classes as a young child led me to being a very successful reader and writer. I feel that the reading and writing I learned and accomplished really helped me to be able to write more civilized and professional and allowed me to hold more professional conversations with my parents, friends, other adults, and so on. My early experiences with reading really led me to a more successful life in reading thanks to all the reading my parents contributed to me when I was younger. Like I said, I believe that the reading they did was the biggest help to my learning in reading and will lead me to having successful college years and having a successful career later in life. Literacy Narrative Kyle Crifasi Richard English IV, 1B 31 August 2011 Literacy Narrative Typically, people think of reading when they see a novel or a short story, but I think of reading when I’m out on the baseball field. When I hear the word â€Å"reading†, unlike most people, I think of a green grassy baseball diamond at night, with the lights lighting it up, filled with fans in the stands. Believe it or not, I read all the time on the field. I read the ball coming off the bat when I’m playing in the field. When I hear the â€Å"ding† of the metal bat and hard, rubber ball colliding, I know that there is a chance I could make a great play. I can see the ball getting bigger and bigger as in approaches me. I read the ball coming out of the pitcher’s hand, picking up the spin as soon as I can so I can know when and where to swing to make solid contact with the ball. I even read people’s body language when I’m pitching. I can tell a lot about the batter by how he’s standing and the facial expression on his face. Learning how to read all of these things took lots of practice and discipline. Throughout the years, all of my coaches have stressed how important it is to react to what I see through my â€Å"readings†. I learned to read these things when I was just a little four foot tall, 60-pound kid. A bit after I started to learn how to read words on paper, I was learning to read on the field, too. I find the reading that I do on the field much more fun than reading a book or story. I believe that my love for baseball grew because I felt a connection with the type of reading it involved rather than the kind of reading done with books. These readings are important to me so I can do my job and be the best player I can be on the field. When I’m at bat, I have to read the spin on the ball as it comes out of the pitcher’s hand as fast as I can so I can react with the perfect swing at the best time in the right location. If I don’t read it correctly or if a pitch fools me, I swing and miss. I’ll have to deal with striking out for the rest of the game until I get my next chance to show what I can do. When I’m in the outfield, my job is to catch anything that’s hit into my area. I have to be able to read the ball right when it makes a connection with the opposing batter’s bat. I have to know how high its going, how hard its hit, which way it’s spinning, and which way the wind will blow it. If I read one of these things wrong, it could turn out to be bad for the team and embarrassing for me if I miss it. Coach Broussard would always tell me to look into the opposing batter’s eyes when I pitch. That intimidating look that a pitcher can give will really get in the batter’s head. He will be wondering hundreds of different thoughts before I throw the ball exactly where I want it. I’m the one in control and he is just going through his mind trying to figure out, or guess, which pitch I’m about to throw him. After a couple pitches, when I have him right where I want him, I can play around with his mind even more. I can throw anything I want and I can even waste a couple bad pitches hoping he’ll swing and miss, just to make him look stupid. When I can read all of these things correctly, that’s when I can play the best and it’s because of my coaches and what they have taught me that have made me so great at â€Å"reading†. Reading is important in my life not only on the field but in the classroom as well. Without learning how to truly read and write, I would not be able to accomplish anything in life. I remember when I first learned to read. I was about three years old and my mom would read books to me and I would follow along with her. She would read the books with the gold spines and they were always books that made me happy and I was always happy to read them. I always enjoyed reading back then more than I do now. The books that I read now, I’m usually forced to read and they usually aren’t interesting to me. To me, reading means many things, not only the reading of text on a page but actions of others and myself as well. Most other people may not say that they will think of baseball games when thinking of how they read in real life, but I view the game of baseball that way and I like to share about how I can read in many different ways in life. Reading books is definitely not one of my favorite hobbies to do, but every once in a while I will find a good book that will catch my interest for the next couple of months. My learning experience from reading on the field has taught me another meaning of literacy that I would not have realized if I had not thought about what reading really meant to me. I can now understand how I use reading in all different aspects of my life better, and not just in the classroom but throughout my everyday activities, like baseball. Words: 1000 Literacy Narrative Literacy Narrative Learning to read, write, and compose is a major part of every human beings life and if your guided and/or helped to becoming a good reader, writer, or composer that is double the excellence. Learning to read, write, and compose is a privilege. Not all humans get this privilege of learning these special qualities. These qualities not only help you with other humans but with yourself in the rest of your life. These qualities or traits you obtain help you in everyday life to help you live a life at ease without the struggle of not being able to read, write, compose, and such. When I was very young, my parents would read to me every night I went to sleep. They would tell me â€Å"Austin, it’s time for bed,† and I would run to my room to my blue bookshelf that I had in the corner of my room. Now, they would be following close behind me and re-emphasize that I could only choose two books, but usually I convinced them to let me pick out three books instead. I loved having a ton of books when I was young and all of them made it to my bookshelf. My favorite books were â€Å"The Little Engine That Could† and another book that was about a bear that went outside to play and got ants in his pants. This book usually got a little giggle out of me as a child and oh how I loved my parents reading it and all the other books to me. This explains my sprint to my room every night as a youngster. Having my parents read to me at a very young age somewhat jumpstarted my brain and led me to learn lots of words and phrases as a kid. Being that they read to me every night, I always was listening and hearing words and even sometimes having an image to relate words to. I believe that the reading that was done for me every night before I went to bed was a large part of my learning to read. At this age, it was almost as if I’d rather not see the words, but just listen to them and look at all the pictures. As I grew up I started to really enjoy reading. I think that all the reading my parents did for me, encouraged me to become an avid reader then. At this age, I became the biggest fan of â€Å"The Magic Tree House† series by Mary Pope Osborne. I read these books from cover to cover and enjoyed every one of them. After finishing one of the books, I would love going and telling my parents all about the story line and what happened in it. When I would finish the last book that was published, I would pre-order the next book that was coming out and start reading it the day I got it. These books always drew my attention and most definitely sparked my likings for reading in elementary and middle school. In elementary and middle school my mom would always pick me and my little brother up. One thing I would always seem to notice is that my mom was usually on the phone so I couldn’t tell her about my day the second I got in the car, but when she eventually got off; my brother and I were full of words. We both loved talking and telling stories about our days. Whenever my dad would arrive home after work around 6 pm every night, I would notice he always got in and hit his desk with piles of papers and work to do that night. He would have some leisure time to read the paper and eat dinner but then he was paying bills and getting his deadlines met for work. My mom and dad always had these big complicated conversations in the kitchen too when I was around, usually about my dad’s work drama, with these words that I had no idea existed. As I grew up, my interest for books started to somewhat slip off the map. I didn’t always have a book that I was working on and I wasn’t ever really as excited to read like I was when I was much younger. The projects and homework started to pile up a lot more once school progressed from elementary school to middle school to high school and I feel that it almost eats away at my free time to do any casual reading anymore. When I did have a project or an interesting reading for homework though, I would enjoy doing the research and learning new things about the certain topics. When my love for books continued to fade away, I picked up a new hobby of reading magazines and the newspaper. I love reading things in the paper that I know have to do with my city and me and love reading an interesting magazine whether it’s the new edition of Sports Illustrated or the Hunting Gear Magazine full of cool articles about new weapons across the globe. I started reading the paper every morning and subscribing to interesting magazines on the internet that I just couldn’t get enough of. I believe that all my life experiences and my classes as a young child led me to being a very successful reader and writer. I feel that the reading and writing I learned and accomplished really helped me to be able to write more civilized and professional and allowed me to hold more professional conversations with my parents, friends, other adults, and so on. My early experiences with reading really led me to a more successful life in reading thanks to all the reading my parents contributed to me when I was younger. Like I said, I believe that the reading they did was the biggest help to my learning in reading and will lead me to having successful college years and having a successful career later in life. Literacy Narrative Kyle Crifasi Richard English IV, 1B 31 August 2011 Literacy Narrative Typically, people think of reading when they see a novel or a short story, but I think of reading when I’m out on the baseball field. When I hear the word â€Å"reading†, unlike most people, I think of a green grassy baseball diamond at night, with the lights lighting it up, filled with fans in the stands. Believe it or not, I read all the time on the field. I read the ball coming off the bat when I’m playing in the field. When I hear the â€Å"ding† of the metal bat and hard, rubber ball colliding, I know that there is a chance I could make a great play. I can see the ball getting bigger and bigger as in approaches me. I read the ball coming out of the pitcher’s hand, picking up the spin as soon as I can so I can know when and where to swing to make solid contact with the ball. I even read people’s body language when I’m pitching. I can tell a lot about the batter by how he’s standing and the facial expression on his face. Learning how to read all of these things took lots of practice and discipline. Throughout the years, all of my coaches have stressed how important it is to react to what I see through my â€Å"readings†. I learned to read these things when I was just a little four foot tall, 60-pound kid. A bit after I started to learn how to read words on paper, I was learning to read on the field, too. I find the reading that I do on the field much more fun than reading a book or story. I believe that my love for baseball grew because I felt a connection with the type of reading it involved rather than the kind of reading done with books. These readings are important to me so I can do my job and be the best player I can be on the field. When I’m at bat, I have to read the spin on the ball as it comes out of the pitcher’s hand as fast as I can so I can react with the perfect swing at the best time in the right location. If I don’t read it correctly or if a pitch fools me, I swing and miss. I’ll have to deal with striking out for the rest of the game until I get my next chance to show what I can do. When I’m in the outfield, my job is to catch anything that’s hit into my area. I have to be able to read the ball right when it makes a connection with the opposing batter’s bat. I have to know how high its going, how hard its hit, which way it’s spinning, and which way the wind will blow it. If I read one of these things wrong, it could turn out to be bad for the team and embarrassing for me if I miss it. Coach Broussard would always tell me to look into the opposing batter’s eyes when I pitch. That intimidating look that a pitcher can give will really get in the batter’s head. He will be wondering hundreds of different thoughts before I throw the ball exactly where I want it. I’m the one in control and he is just going through his mind trying to figure out, or guess, which pitch I’m about to throw him. After a couple pitches, when I have him right where I want him, I can play around with his mind even more. I can throw anything I want and I can even waste a couple bad pitches hoping he’ll swing and miss, just to make him look stupid. When I can read all of these things correctly, that’s when I can play the best and it’s because of my coaches and what they have taught me that have made me so great at â€Å"reading†. Reading is important in my life not only on the field but in the classroom as well. Without learning how to truly read and write, I would not be able to accomplish anything in life. I remember when I first learned to read. I was about three years old and my mom would read books to me and I would follow along with her. She would read the books with the gold spines and they were always books that made me happy and I was always happy to read them. I always enjoyed reading back then more than I do now. The books that I read now, I’m usually forced to read and they usually aren’t interesting to me. To me, reading means many things, not only the reading of text on a page but actions of others and myself as well. Most other people may not say that they will think of baseball games when thinking of how they read in real life, but I view the game of baseball that way and I like to share about how I can read in many different ways in life. Reading books is definitely not one of my favorite hobbies to do, but every once in a while I will find a good book that will catch my interest for the next couple of months. My learning experience from reading on the field has taught me another meaning of literacy that I would not have realized if I had not thought about what reading really meant to me. I can now understand how I use reading in all different aspects of my life better, and not just in the classroom but throughout my everyday activities, like baseball. Words: 1000

Introducing What Are Some Good Argumentative Essay Topics

Introducing What Are Some Good Argumentative Essay Topics The secret to the premium quality essay writing is, naturally, TIME! Look through argumentative essay examples and ensure it is clear how to complete this type of composition. In this kind of situation, it's more convenient to locate ready-made essays and use them as an example. When it has to do with writing an argumentative essay, the most essential point to do is to select a topic and an argument that you could really get behind. Canadian students must deal with exactly the same problem of selecting engaging argumentative essay topics as the remainder of the world. Before you commence writing an argumentative essay, you're supposed to conduct a comprehensive research that will make it possible for you to prove that it is possible to think in a crucial way on the subject you're assigned with. The expert essay writing industry has grown through the years. Creating a great argument essay starts with a list of argumentative essay topics. Analyzing a present event appears to be a favorite topic chosen for argumentative essays. Don't use any false or exaggerated details about your topic in the essay. At length, now that you're prepared to work on your paper, we wish to remind you of the value of suitable essay structure. You may continue to keep your argumentative essays for your upcoming job portfolio in case they're highly graded. If you're looking for examples of argumentative essays, here's a sample that will help you out! To begin with, local newspaper papers might be great place to discover interesting argumentative essay topics. The principal rule for your topic is to be concrete and allow the readers understand what you're likely to write about. The reader needs to be impressed by how you defend your ideas. Discover which of the topics, you presently have a fairly good background on which will make it possible for you to have a relative edge. There are invariably a wide variety of opinions on the topic of technology, and here are our favourite things to consider on this issue. In reality, you can make up any topic you want by yourself, as long because there is unlimited amount of those. As a result, if you're extremely passionate about the subject and cannot assess it objectively, look at switching it. When you are requested to choose a great topic for your argument, start with something you're familiarized with. Deciding on an emotional topic is also a superb idea. Selecting an argumentative topic isn't that easy. Prior exposure or knowledge about a specific subject provides better hindsight which may bring much better arguments on the issue. The mutual interest of each side of the argument is an essential component for developing a strong persuasive paper. Truly, the options are endless and usually, a modest overwhelming. The broadest idea can be found on top, and as you keep on writing, you become more concentrated on the most important point, eventually coming to specific proof to support your claim. You'll discover contrasting characteristics in addition to similar characteristics in each individual set. The shortage of very good support sources will end in a decrease grade. It's important to as a way to give enough argumentative statements. You ought to back up your viewpoint with well-researched facts and data also. There's, clearly, a limit on the variety of pages even our very best writers can produce with a pressing deadline, but usually, we can satisfy all the clients seeking urgent assistance. For instance, you might think of similarities or differences if we are purchasing a new MP3 player or picking a place to study English. By way of example, in college, you might be requested to compose a paper from the opposing perspective. Some people might believe that the excellent content might be written on any topic and the paper success is dependent just on the mastery of the writer.

Same Sex Marriage Should NOT Be Allowed Essay - 1218 Words

Marriage is legally defined as, a contract made in due form of law, by which a free man and a free woman reciprocally engage to live with each other during their joint lives, in the union which ought to exist between husband and wife. Many liberals argue that gay marriage should be legal in the United States. In the following essay I will attempt to argue why marriage between the same sexes is immoral and unjust. The first point I will talk about is how marriage is a traditional bond between a man and a woman. In the bible; which contains most of the values this country was founded upon, stated that marriage is an institution that only a man and a woman can enter. The teaching of the bible says marriage is for procreation and the†¦show more content†¦Would you want there to be legalized prostitution in every state, legalized drug use and less punishment for sex offenders? Our congressman’s standpoint on this issue is clearly against gay marriage. In a recent statement from our congressman, he wants to amend the constitution to contain the Defense of Marriage Act. The Defense of Marriage act was passed eight years ago by president Clinton, and banned same sex marriages in 38 states. The Defense of Marriage Act legally defines marriage between a man and a woman, but cities and arbitrary courts tried to change the definition of marriage and issued thousands of marriage licenses throughout the country. Our congressman stated â€Å"After more than two centuries of American jurisprudence and millennia of human experience, a few judges and local authorities are presuming to change the most fundamental institution of civilization. Their actions have created confusion on an issue that requires clarity. On a matter of such importance, the voice of the people must be heard. Activist courts have left the people with one recourse. If were to prevent the m eaning of marriage from being changed forever, our nation must enact a constitutional amendment to protect marriage in America. Decisive and democratic action is needed because attempts to redefine marriage in aShow MoreRelatedThe Rights Of Same Sex Marriages By John Baxter And Jeff Forshay Essay1765 Words   |  8 PagesJeff Forshay are at the forefront of a fight staged by gay and lesbian activists to get the government to permit same-sex marriages. Activists say this is just part of their hard-fought battle for public acceptance; the movement has gone on for at least twenty years. 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