Investment Account Essay Example for Free

Investment Account Essay What is the meaning of Al-Awfar? Al-Awfar means â€Å"prosperous investment†. 3. What is the difference between Al-Awfar Savings Account and Investment Account-i and the normal Bank Islam Savings Account-i and General Investment Account-i (GIA)? Al-Awfar Savings and Investment Account-i is a rewarding account that offers a host of additional features, which include expected Mudharabah returns on savings and investments (if any). This is in addition to the opportunity to receive cash prizes from the bank through a quarterly prize draw. 4. Is Al-Awfar Saving and Investment Account-i a form of gambling? NO. Al-Awfar Savings and Investment Account-i is free from any elements of gambling. 5. Is Al-Awfar Savings and Investment Account-i Shariah-compliant? YES. The Shariah Supervisory Council of Bank Islam approved this product in its 102nd meeting dated 7th April 2008 (30 Rabiulawal 1429H). 6. Are prize draws allowed according to the Shariah Law? YES. Prize draws are permitted if there is no elements of riba (usury), gharar (uncertainty) and maysir (gambling). 7. What is the basis on the permissibility of draw in Islam? 1. Al-Quran, in Surah Ali ‘Imran verse 44 This is a part of the news of the Ghaib (unseen, i. e. the news of the past nations of which you have no knowledge) which We inspire you with (O Muhammad ). You were not with them, when they cast lots with their pens as to which of them should be charged with the care of Maryam (Mary); nor were you with them when they disputed. . Is the draw performed in a manner that is transparent to the public? YES. There is an external independent draw committee who will observe the draw process. 9. What is the difference between Al-Awfar Savings and Investment Account-I and other competitors’ product? Al-Awfar Saving and Investment Account-i is the first product of its kind introduced by an Islamic bank, which meets all Shariah requirements. 10. Where does Bank Islam invest the funds deposited by customers? Bank Islam invests the fund in Shariah-compliant investments pproved by the bank’s Shariah Supervisory Council. 11. Can the cash prizes received be used for Ibadah purposes, e. g. performing the Hajj and Umrah or given away as Zakat and Sadaqah? YES. The cash prizes come from a Halal source. Upon receiving the cash prize, the customer is free to use it for any purpose 12. Are the cash prizes taken from the profit earned through Al-Awfar Savings and Investment Account-i? NO. The cash prizes are provided by the Bank and are not specifically derived from profits of Al-Awfar Savin gs and Investment Account-i.

Colonialism and Imperialism - European Ideals in Heart of Darkness and

Hollowness of European Ideals Exposed in Heart of Darkness and The Hollow Men       Kurtz occupies a peculiar position in Conrad's Heart of Darkness and T.S. Eliot's "The Hollow Men." "Mr. Kurtz, he dead" is the epigraph to "The Hollow Men." Eliot draws an obvious allusion to Kurtz, the morally hollow man in Heart of Darkness. Left to his own devices, Kurtz commits appalling acts such as shrinking human heads and performing terrible sacrifices. Kurtz is armed with only the dubious sense of moral superiority of his culture and the desire to civilize the natives (Dahl 34). This front quickly crumbles when faced with the noble yet savage ways offered by Africa. The crumbling front only leaves a hollow void of desired ideas and morals. This hollowness is what Eliot builds on to develop his own idea of hollowness. Kurtz is an apt example of the hollowness of European ideals that Eliot wanted to expose. T.S. Eliot's "The Hollow Men" uses Conrad's Kurtz to enforce the idea of hollowness found in contemporary Western thought, because Kurtz is a "model European" and rep resents the ideas of the modern Western Everyman.    Kurtz is a prototypal European thinker and citizen. He is the product of idealistic, progressive, and optimistic thought (Dahl 34). Kurtz is a Renaissance man, being a musician, a painter, a journalist, and a "universal genius" (71). So well does Kurtz perform all his duties, Marlow never figures out Kurtz's true occupation. Marlow can envision Kurtz as a "painter who wrote for the papers" as well as a "journalist who could paint" (71). Kurtz's universal talent extends to the field of politics, where he could have been a "splendid leader of an extreme party," in fact of any party (71). Kurtz was highly respected... ...rmany and later in Vietnam and Cambodia (Anderson 404). In all likelihood, Heart of Darkness was just a prelude to the atrocities that could be committed with the continuance of European thought as it was. Eliot explicitly says one of the themes to Part V is "the present decay of Eastern Europe" (Roessel 55). Eliot built on this theme of moral hollowness in "The Hollow Men," by having Kurtz and his actions be representative of contemporary European thought.    Works Cited Anderson, Walter E. "Heart of Darkness: The Sublime Spectacle. University of Toronto Quarterly 57(3) (1998): 404-421. Dahl, James C. "Kurtz, Marlow, Conrad and the Human Heart of Darkness". Studies in the Literary Imagination 1(2) (1968): 33-40. Roessel, David. "Guy Fawkes Day and the Versailles Peace in 'The Hollow Men'. English Language Notes 28(1) (1990): 52-58.      

The Concept of the Political

As a counterterrorism officer my moral duty is to protect the residents of my state from terrorism attacks and the national security of US. Therefore, I am under no obligation but to ensure I fulfill the role that I have been assigned. I am the senior counterterrorism officer in California State where there is a high percentage of Arab American citizens and immigrants. Thus over the last couple of decades it has been difficult to detect terrorists. Furthermore, infiltrating such a community has proved to be difficult thereby providing a loophole for the increase in terrorist activities.Infiltrating the Arab American Community To curb this demise I will commission FBI agents to act as my spies by posing as Muslim worshippers in the California mosques. This decision may be perceived as a violation of human rights and the freedom of privacy enjoyed by other citizens. However, in the actual fact this initiative is among the criminal responsibilities that are bestowed on counterterrorism officer. Moreover, it is a counterintelligence activity that ensures protection of the US national security by providing important information to the FBI body and the government.The rights to perform counterintelligence activities have been governed by the National security of 1947 which was amended in 2004 by the establishment of the Intelligence Reform and Terrorism Prevention Act. Furthermore, the commissioned FBI agents will not commit any wrong doing offences (Uwe, 2007). I will also employ informant to live amongst the community. The informant will mainly be ex-US military officers whose credentials are remarkable and stimulate the required standards.I prefer using ex-military officers because they are competent, trained to serve the nation thus will thoroughly understand the importance of their assignment and the need for them to keep their identity in discretion. The agents will regularly be monitored to prevent the development of discrepancy behaviors against ethical and mo ral norms. I will also make use of biometric fingerprint procedure for all travelers leaving and entering the California state. It may be argued that this tactic will detain people unnecessarily thereby wasting their time and subjecting them to measures and challenges that are unjustifiable.However, the initiative will enable the California Homeland Security Department to prevent identity theft, use of fraudulent documents and terrorists from gaining access to the state thus enhancing the national security and safety of California residents (Schmitt, 2007). The Status, Rights and Protections offered to Culprits of Terrorism In an attempt of increasing the efficiency and effectiveness of counterterrorism an executive order authorizing the interrogation and trial of foreign terrorist suspects and illegal combatants by a special military tribunal was passed in 2001.Therefore, an ex-American citizen captured in the United States in the act of terrorism should be considered as an illegal enemy combatant. Thus I would not hesitate to hand the culprit to the jurisdiction of the military commission of the United States, an act that will be in accordance with the (Military Commissions Act (MCA) of 2006 that was passed by the Congress introducing the concept of illegal combatant into US legislation. Furthermore, the concept of illegal combatant enemies has been accepted by other nations who have willingly handed over their sovereignty in this context to the US (Gill & Sliedregt, 2005).The establishment of the above legislations withdrew all the protections that were accorded to ex-American citizens. The same applies to foreign nationals caught engaging in terrorism in US, American citizens fighting American forces abroad and foreign nationals that are non-military officials fighting American forces abroad. The above are all illegal combatant enemies of the state and thus also deserve to be tried before the jurisdiction of the military commission without the provision of Habeas corpus rights.The Habeas Corpus is a provision given to detained culprits to appeal for their release incase of being detained unlawfully. The above subjects are liable to torture in the event of collecting information that would increase the efficiency of the government and military to provide the US state national security. Therefore, I would fully support the idea of implementing torture as a method of extracting useful information to such culprits in an attempt of protecting the California residents (US Congress Joint Resolution, 2001). Perspectives Concerning Just WarJust war is perpetuated by states in an attempt of protecting themselves from aggressive attack from other nations. However, for just war to be justifiable it should be used as a last resort problem of solving the conflict that exists that is after all non-violent mechanisms of resolving conflicts are exhausted. Just wars should only be perpetuated by bodies that are recognized by the society as legitimate. A just war should be initiated if the presumed end results are beneficial where its success is guaranteed to prevent death and suffering of innocent people in accordance to moral vices.The death of civilians can only be justified if they were accidentally killed by being in the vicinity of the military targets. Therefore, just wars should initiate long lasting peace between the nations that were under conflict. Furthermore, states are not supposed to use force when initiating just wars and in instances where such force must be implemented it should not exceed the injury or suffering caused. The war on terrorism can thus be classified as a just war because it adheres to the above principles.However, it can cease to be a just war if its goal is to spread terror, subject war on a non-state organization and if it aims at killing and hurting civilians (Fotion, 2007). Anti Americanism involves the negative aspect that individuals and state have over the political, economic, social and cu ltural values of US. Anti Americanism has adversely affected the national security of US due to introduction of foreign hostility towards the US state for instance terrorism, thus curbing the effective attainment of stipulated US policy goals.Anti Americanism also affects the ability of US to conduct businesses abroad. This is unethical and thus not justifiable therefore individuals that perpetuate the stimulation of violent acts against the American state should be held accountable for their actions and thus are liable to stand trial before the military commission. The US government has a right to protect the national security of the country by dealing with schools, mosques and charities that indirectly support terrorism while actually not directly engaging in the terrorism activities.The government prosecutes such individuals or organization with the aim of eliminating the terrorism concept and support that the individuals and organizations offer (US Congress Joint Resolution, 200 1). USA PATRIOT Act The enactment of the USA PATRIOTIC ACT after the 9/11 attack has substantially reduced terrorism in United States because the surveillance and investigating powers of the US law enforcement officers was increased especially with respect to internet use.However, if I were in Congress I would vote for the renewal of the Act to amend it. This is because the Act was enacted in haste without being subjected to Congress debate and house report to declare the consent of Senators. This fact resulted to the omission of a balance between civil liberty and stipulated legislations (US Congress Joint Resolution, 2001). Word Count: 1190 Reference List Fotion, N. (2007). War and Ethics: Just War Theory. New York: Continuum. Gill, T. & Sliedregt, E.(2005). Guantanamo Bay: A Reflection on the Legal Status and Rights of Unlawful Enemy Combatants. The Utrecht Law Review, 1 (1). Retrieved on July, 6th, 2009 from http://www. utrechtlawreview. org. Schmitt, C. (2007). The Concept of t he Political. Chicago: University of Chicago Press. U. S. Congress Joint Resolution (2001). Authorization for Use of Military Force. Public Law, 107(40), 115 Stat. 224. Uwe. S. (2007). On the Ethics of War and Terrorism. Oxford: Oxford University Press.

The Motivation Of The Deaf - 1463 Words

CHAPTER TWO LITERATURE REVIEW 2.1 Introduction The literature review aims at Identifying and examining what has been done by other schedule and researchers about the motivation of the deaf in the classroom. The literature review aimed at highlighting on motivational theories that have been over the years in most educational systems to motivate both the hearing and the hearing-impaired learners. The issues discussed are the study objectives, and they are categorized under; Main review, summary, theoretical and conceptual frameworks. 2.2 Main review Almost all motivation theorists believe that motivation is required for the performance of learned responses. It means that a learned behavior will not occur unless it is energized.it is, therefore, vital that learners are motivated. Several theories have been used to explain different aspects that can be used by teachers to motivate their learners. 2.3 Theoretical and conceptual frameworks Cognitive evaluation theory The theory postulates that motivation can either be extrinsic or intrinsic. Where intrinsic motivators are those that result from the actual performance of a given task they may include achievement, competence and responsibility. Extrinsic motivators, on the other hand, are said to be those that arise from an individual’s environment .such may include the feedback or rewards earned. In this sense, a teacher for the deaf should study the attributes of his or her students and determine whether they are intrinsicallyShow MoreRelatedASL Challenge Paper1016 Words   |  5 Pagesspeaking of the hands for the deaf community and anyone who is interested to learn can join in easily, but only if they can hoop over some of the languages major challenges. 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The Deaf community uses sign language toRead MoreWho Has Influenced Deaf Literature More Than George Veditz961 Words   |  4 Pagesinfluenced deaf literature more than George Veditz. I like to label him as a hero, among other adjectives. Born in August 13th, 1861, Veditz b ecame deaf at the age of 8 due to scarlet fever, according to Gallaudet.edu. After becoming deaf, he was privately tutored for 6 years until the age of 14. He then later enrolled in the Maryland School for the Deaf. He then received his masters from Gallaudet in 1887. After this, he moved to Colorado Springs where he taught at the Colorado School for the Deaf forRead MoreDeaf : The Deaf Way Of Knowing1247 Words   |  5 PagesNoted Deaf educator Tom Holcomb, in his 2010 paper, Deaf Epistemology: the deaf way of knowing, posits that the flow of knowledge is fundamentally different in hearing and Deaf cultures. 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Not only that, some of students are fortunate enough to have already attended schools for the deaf in their home countries, and others may have had no education at allRead MoreThe Invention of the Telephone659 Words   |  3 Pagesin Edinburgh, Scotland. His main interests were Science, especially Biology, which is the study of life and all living organisms. Both his mother and soon to be wife were deaf which sort of motivated Bell towards creating the telephone which involved hearing which they could not do. Bell was an only child that’s mother was deaf so he was mostly raised by his father Professor Alexander Melville Bell. At 15 due to bad grades at his high school, Royal High School Edinburgh, he moved to London at hisRead MoreThe technology of Australian time The bionic Ear1000 Words   |  4 Pages The technology of Australian time The bionic Ear Introduction Advancements in Information Technology have now made it possible to restore hearing to the profoundly deaf by inserting a prosthetic device called the Bionic Ear (also known as the Cochlear Implant) in an individual’s inner ear. The Bionic Ear technology is an example of design and innovation combined with information processing, software design and development. Since it was first invented, technology advancementsRead MoreEssay on 4222-258 INTRODUCTORY AWARENESS OF SENSORY LOSS893 Words   |  4 Pagesbeliefs that you hold are either empowering, or, dis-empowering. Brainstorming all the thoughts that you feel are holding you back from achieve your goals. Set a Goal and prioritize what you want to archive first. 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