Serving size of carrots and snap peas(presentation) Assignment

Serving size of carrots and snap peas(presentation) - Assignment Example Nutrition experts have come up with a recommended serving size of both carrots and pretzels which we are advised to adhere to. For carrots, we should at least consume half a cup of cooked carrot sticks, which translates to about 75g (100–350kJ). This is the recommended serving size of carrots that we ought to consume. Pretzels on the other hand are not essential and ought to be served in small quantities. Nutrition experts recommend that we should consume it once in three days and avoid addition of honey and other sugary products. Pretzels serving size is 20 minis which is 30g and contains 110 calories. Meaning we ought to consume more of carrots than pretzels in order to maintain good dietary practices. Snap peas is another example of a highly nutritious food, doctors advocate that we ought to take them in large quantities. Personally I am big fan of snap peas because of their sweet taste. Snap peas contain little concentration of cholesterol, sodium and fats. In addition it is rich in Riboflavin, Pantothenic Acid, Magnesium, Phosphorus and Potassium. Besides, I would recommend you to increase the consumption of snap peas because they are rich in fiber which is vital for the body. Its serving size is half a cup of cooked snap peas which is 80g translates to 60 calories. Unlike snap peas, chips fall under junk food and have varied adverse effects on our health. For instance, they contain too much calories and cholesterol. Junk food has been identified globally as a source of bad cholesterol which causes complications such as heart disease and stroke. My advice to you is to reduce or avoid the consumption of chips to avoid bad cholesterol and the risks associated with

Child develpoment Essay Example | Topics and Well Written Essays - 750 words

Child develpoment - Essay Example In this context, child development is, therefore, not so much about teaching voluminous chunks of knowledge during the formative years or the so-called foundational stage. Rather, child development is about the methodical approach or the â€Å"how† in which such knowledge is taught to very young children to guide them through their natural and inherent development. This paper discusses four of the primary theories of child development as building blocks of developmentally appropriate knowledge based on the exposition of Swim (2008) in one of this week’s readings. Biological maturation theory This theory was proposed mainly by Gesell during the 1940s to describe a systematic manifestation of the physical and psychological development generally expected among children from the perspective that all children experience the same phases of development grounded on the natural maturation of their brain and body. The theory disregards influences from culture or individual differ ences (Levine and Munsch, 2011). As a child educator / paraprofessional, I do find enough utility in this theory because I observed that it places more weight on maturation rather than on learning. This observation was corroborated by Danielson (2007) whose main criticism of the biological maturation theory was that there is â€Å"too much emphasis on maturation and not enough on learning† (para. 41) Behaviorist theory The behaviorist theory focuses on what may be directly observed in the absence of a precise method of knowing what happens in an individual’s mind. Butts and Rich (2011) outlined that stimulus conditions both in the environment and the person’s behavior, as well as responses to such conditions are the only variables which can be observed in any learning situation. Additionally, Swim (2008) reported that this theory molds learning with the provision of rewards and punishment. Unlike the biological maturation theory, there are apparent uses of the b ehaviorist theory in teaching young children. It may be recalled that behaviorism supports the position â€Å"what is learned can be unlearned by modifying stimulus conditions in the environment or changing the response to stimuli† (Butts & Rich, 2011, p. 206). This area of behaviorism will be very helpful in teaching young children in breaking bad habits developed during their earlier years. However, I do not believe that banking on behaviorism alone will significantly facilitate the development of appropriate practice in child development. From experience, the behaviorist system of rewards and punishment does not leave any room for abstract thinking since it is categorized under the passive mode. Consequently, even if recent development in this area now classifies behaviorism in education as a reactive approach as indicated in Duczeminski (2009), learning still tends to be forced-fed to children rather than the children being given leeway to understand knowledge by the expl anations they retrieve from their interaction with the environment or from their own observation. My opinion is that proactive is best for children in the knowledge society. Cognitive development theory Under this model of child development, learning is centered on â€Å"perceptions, thinking, reasoning, memory, development changes, and processing of information that transpires within the learner† (as cited in Butts & Rich, 2011, p. 213). Swim (2008) describes this learning approach as one in which

Otto Von Bismarck Term Paper Example | Topics and Well Written Essays - 750 words

Otto Von Bismarck - Term Paper Example First, after the defeat of Austria, it was expected that Otto Von Bismarck would make some demands for some territory from Austria, but instead, Otto Von Bismarck adapted the illogical strategy of failing to make such demands3. Otto Von Bismarck had sought excuses to start a war with Austria, by arguing that they had violated the Convention of Gastein4. Consequently, he charged the Prussian troops to attack Austria, but on realizing that the Austria troops were equally strong, he forged an alliance with Italy which was interested in some of the Austria’s territory in Venetia. This made the Austria’s army to be divided between fighting the Prussian troops and the Italian troops, thus losing the war. It is this illogical move that eventually resulted to the unification of Germany, through the unification of the German States, to combine forces in the Austro-Prussian War5. This is because, with the exclusion of Austria from Germany, then it was possible for Prussia to domi nate the German politics6. The other RealPolitik strategy applied by Otto Von Bismarck to achieve the unification of Germany was that of sustaining an enemy outlook with France. Otto Von Bismarck provoked France though trying to impose a German prince on the Spanish throne7. After the defeat of Austria, France perceived a united Germany as a major threat to the power politics in Europe, and thus made several attempts to unite with other territories such as Belgium and Luxemburg8. During such attempts, Otto Von Bismarck kept France advanced to the intrigues, but France did not win any of the territories, making France to be perceived as greedy and aggressive. This strategy was meant to ensure that the German states would unite under the Prussian authority, so that they would be offered protection against the perceived aggression from France9. Seeking to ensure that France would be seen as the aggressor against Germany, Otto Von Bismarck

English contract act Coursework Example | Topics and Well Written Essays - 1500 words

English contract act - Coursework Example A promise to offer something of value shall be regarded as consideration. A promise to repair a house next month is the analogues of carrying out the yard work in reality when assessing whether consideration is there or not. There should be a deal between two parties if one promises to do something if the other carryout some obligation. Consideration should not be relates to earlier period. It should have moved from the side of the promisee. Consideration should be satisfactory. It must not refer something the promise which is already required to be carried out. It must be within the purview of law. (Beatty et al 2007:276). According to Sir Frederick Pollock, consideration can be defined as â€Å"an act or restraint of one party usually known as promisee or the promise thereof is the cost for which the promise of the other is purchased (the promisor) and the promise thus offered is enforceable.† The same view was also adopted by Lord Dunedin in â€Å"Dunlop v. Selfridge.† (Andrews 2011:125). â€Å"What the law means?† In English law, when one party wants to make a promise without any compensation or consideration through an agreement which requires another party to pay or do something, is known as naked agreement or a nude pact or nudum pactum. Thus, a nudum pactum agreement entered without any seal is void in law, and a party cannot be coerced to perform upon it as per the maxim â€Å"Ex nudo pacto non oritur actio.† (Brown 2006:374). Gratuitous promises are unenforceable unless made in a written deed format which means a promise which is in writing, duly signed, had witnesses and duly delivered. In this case , a nationwide charity asks Simon if any of the artists signed to his record label would be prepared to perform free of charge at an open-air concert to celebrate the closing of the Olympic Games. Hence, the charity wants Simon to provide service of his record label free of charge which is known as Gratuitous promise, which is unenforceable in English law. In this case, the charity should have compelled Simon to sign an agreement to provide service free of charge, and any oral promise by Simon will be regarded as a gratuitous promise which is said to lack â€Å"consideration.† Thus, even if Simon has made a moral or casual commitment, it will be regarded as nudum pactum, which is having no legal impact under English law. On the other hand, if there is a contract between Simon and the Charity, which is duly corroborated by consideration, then Simon has the obligation to fulfil his promise. Why/how the law is relevant to Simon using cases (with full citation) to illustrate and support points made where appropriate? A promise which is given after the performance of an act is not enforceable under the English Contract Act. This is known as past consideration and has been acknowledged as not a good consideration. The main objective for this is that the performance or act in question is not part of any e xchange or bargain, and it is rather gratuitous. Hence, any promise made subsequently will not form part of any contractual bargain and not enforceable. Those supposed agreements, which are without any consideration like one-sided undertakings, which may be binding a party morally but not enforceable under the contract law. In the eighteenth century, an effort was attempted by the courts in UK to define consideration so as to include some pre-existing moral commitments. In specific

Adoption of Information and Communication Technology Essay Example for Free

Adoption of Information and Communication Technology Essay Abstract Nigerian banking industry has become highly ICT-based and is reaping the benefits of technological revolution as evidenced by its application in most of its operations. The objective of this paper was to determine if the Nigerian banks have failed or succeeded in the adoption and use of ICT (see table 2.1). An evaluation of the adoption and use of ICT infrastructures from the periods between years 2000 to 2008 indicated steady growth. It is presumed that as of today, the Nigerian banks may have attained their ICT potentials in their operations, though with some challenges. The paper concludes that the adoption of ICT has influenced the content and quality of banking operations. This paper recommends that investment in information and communication technology should form an important component in the overall strategy of banking operators to ensure effective operations. Keywords: Information, Communication, Technology, Banking Industry. INTRODUCTION Information and Communication Technology (ICT) is the automation of processes, controls, and information production using computers, telecommunications, software and other gadget that ensure smooth and efficient running of activities. It is a term that largely covers the coupling of electronic technology for the information needs of a business at all levels. ICT has surpassed the role of support services or only electronic data processing; its fields of applications are slightly global and unlimited. Its devices especially the Internet and modern computer email facilities have further strengthened early modernizations like the telephone and fax. Other ICT devices include data recognition equipment, factory automation hardware and services, telecomputing and teleconferences using real time and online system (Adeoti, 2005). The application of information and communication technology concepts, techniques, policies and implementation strategies to banking services has become a subject of fundamental importance and concerns to all banks and indeed a prerequisite for local and global competitiveness. Information and Communication Technology (ICT) directly affects how managers decide, how they plan and what products and services are offered in the banking industry. It has continued to change the way banks and their corporate relationships are organized worldwide and the variety of innovative devices available to enhance the speed and quality of service delivery. Harold and Jeff (1995) contend that financial service providers should modify their traditional operating practices to remain viable in the 1990s and the decades that follow. They claim that the most significant shortcoming in the banking industry today is a wide spread failure on the part of senior management in banks to grasp the importance of technology and incorporate it into their strategic plans accordingly. Considering ICT to ensure banks survival, Woherem (2000) claimed that only banks that overhaul the whole of their payment and delivery systems and apply ICT to their operations are likely to survive and prosper in the new millennium. He advices banks to re-examine their service and delivery systems in order to properly position them within the framework of the dictates of the dynamism of information and communication technology. The banking industry has witnessed tremendous changes linked with the developments in ICT over the years. Nigerian banks have undergone changes in their operations since the consolidation process of 2005, when some banks were forced to merge with others to meet Central Bank of Nigeria’s (CBN) recapitalisation fund necessary for operation. Until then, most of the banks operated paper based systems at inception and later adjusted at the dawn of ICT revolution. In recent times, ICT, which basically involves the use of electronic gadgets especially computers for storing, analyzing and distributing data, is having a dramatic influence on almost all aspects of individual lives and that of the national economy the banking sector inclusive. The increasing use of ICT has allowed for integration of different economic units in a spectacular way. This phenomenon is not only applicable to Nigeria but other economies of the world, though the level of their usage may differ. In Nigeria, ICT usage especially in the banking sector, has considerably improved, even though it may not have been as high as those observed for advanced countries (Adeoti, 2005; Adeyemi, 2006). The use of ICT in the banking sector became of interest to this study due to the significant role it plays in the economy. It helps in stimulating economic growth by directing funds to economic agents that need them for productive activities. This function is very vital for any economy that intends to experience meaningful growth because it makes arrangements that bring borrowers and lenders of financial resource together and more efficiently too than if they had to relate directly with one another (Adam, 2005; Ojo, 2007). In essence, the banking sector acts as a bridge that connects lenders and investors in the economy. The bank reforms (especially the recapitalization that specifies a minimum capital base of 25 billion naira for commercial banks), are pursued with a view to making the sector realize its objectives in advancing the economy (CBN, 2006). It is expected that the impact of these reforms will be enhanced with the use of ICT because it will create some form of competitive advantage and improve banking services through accuracy and efficiency in their transactions. In other words, it will change the nature of banks’ services in terms of quality which will culminate in greater service delivery and productivity. This is in tandem with the findings made by Adeoti (2005) that the use of information technology has the ability of improving the competitiveness of Nigerian manufacturing industries. In fact, ICT has had an impact on the Banking Industry as its emergence allows banks to apply credit-scoring techniques to consumer credits, mortgages or credit cards. Hence, products that used to be highly dependent on the banks ´ evaluation of its customers have now become more standardized. Other examples of ICT impact on the Banking Industry include the increased process efficiency, which can reduce costs in banks. This has also produced changes in the structure of bank income. As a result of increased competition that has lowered margins in lending operations (the banks’ traditional business), banks have diversified their sources of income and rely increasingly on income from fees services rather than interest rate spreads. Fees charged for services include typical banking activities like payment transactions, safe custody and account administration. Data storage and retrieval is another wonderful innovation brought into the Banking Industry, where specialized software is engaged to create database to be manipulated by Database Management Software (DBMS). A single database created could be used for several purposes within the system in order to eliminate data redundancy. From the above discourse, this paper seeks to determine whether or not the adoption of ICT enhances the operations of Nigerian banks. To achieve this, the introductory part of this paper after defining what ICT is, clearly established that to remain viable in the current age as financial concerns, banks must adopt ICT. In the succeeding sections, the paper will review relevant literature and identify the types of ICT infrastructures used in Banks; the benefits and effects of ICT on banking industry will be discussed, after which an evaluation of its success or failure will be done; then, the conclusion and recommendations will be made. LITERATURE REVIEW The Concept of ICT and a Perspective in Nigerian Banks Technology can be referred to as the application of knowledge for the execution of a given task. It entails skills and processes necessary for carrying out activities (works) in a given context, while ICT encompasses computer systems, telecommunication, networks, and multimedia applications (Frenzel, 1996). It came into use in the late 1980’s replacing earlier terms like Electronic Data Processing (EDP), Management Information System (MIS), although the latter terms are still in use (Frenzel, 1996). ICT has transcended the role of support services or only electronic data processing; its fields of applications are somewhat global and unlimited. Its devices especially the Internet through the World Wide Web (www) and modern computer email facilities have further strengthened early innovations like the telephone and fax. Other ICT devices include data recognition equipment, factory automation hardware and services, tele-computing and teleconferences using real time and online system (Adeoti, 2005). It is a concept that is having a remarkable effect on almost entire aspects of the human endeavours. This connotes that it involves the application of principles to engage physical component in achieving an intended goal. The convergence of computer and telecommunication after about four decades of applying computers to routine data processing, mainly in information storage and retrieval, has created a new development where information has become the engine of growth around the world. This development has created catch-up opportunities for developing countries such as Nigeria to attain desired levels of development without necessarily ‘reinventing the wheels’ of economic growth. This new technology has brought far-reaching revolution in societies, which has tremendously transformed most business (banking) scenes (Ovia, 2005). With respects to the banks in Nigeria, the first established bank was in 1892 (then African Banking Corporation). However, there was no banking legislation until 1952 when three foreign banks (Bank of British West Africa, Barclays Bank, and British and French Bank) and two indigenous banks (National Bank of Nigeria and African Continental Bank) were established, with a total number of 40 branches (Iganiga, 1998). As at 1988, the Nigerian banking system consisted of the CBN, 42 commercial banks and 24 merchant banks (Iganiga, 1998; Adam, 2005). From 1970, the banking sector grew significantly in terms of number and coverage as a result of increase in economic activities. However, between 1970 and 1985, the growth of the sector was relatively slow due to predominant government regulations but the period 1986-2000 witnessed a phenomenal growth of the sector as a result of the financial deregulation policy, that is the Structural Adjustment Program-SAP of 1986 (Iganiga, 1998). This brought about the liberalization of bank licence leading to a rapid change in the sector. Some of the banks were characterized by paper oriented methods, rather than technological based systems and this resulted to slow pace of their operations vis-à  -vis their employees’ productivity cum general performance. The use of computers and other ICT gadgets in their operations were limited. This was one of the reasons adduced by Ojo (2007) as factors responsible for the Nigerian financial sector malaise. To mitigate the shocks experienced in the system, the Federal Government of Nigeria came up with the financial sector reforms through the CBN. The policy thrust on bank reforms encompasses the sum of the variations that occur in the direction of a comprehensive banking system. The bank reforms agenda, among others, specified a minimum capital base of 25 billion naira for the commercial banks that took effect in December, 2005 (Diamond Bank, 2005; CBN, 2006). This has reduced the number of commercial banks in Nigeria from 89 to 25, which was done via the processes of mergers, acquisition and the stock market (CBN, 2006; Ige, 2007). The major aim was to make Nigerian banks vibrant and resilient, clothed with efficiency and financial strength to absorb possible shocks, thereby instilling public confidence as well as global relevance (Soludo, 2004). ICT and Nigerian Banking Sector The revolution in ICT has made the banking sector changed from the traditional mode of operations to presumably better ways with technological innovation that improves efficiency. ICT can enhance efficiency via its use and in recent times banks have been encouraged by the rapid decline in the price of ICT gadgets. This has perhaps increased the bank level of ICT usage (Ovia, 2005).The increase might have also be attributable to business environment that became relatively flexible to accommodate new forms of technological change as a result of reforms in the country. Banking is becoming highly ICT-based and because of its inter-sectoral link, it appears to be reaping most of the benefits of revolution in technology, as can be seen by its application to almost all areas of its activities (Akinuli, 1999). It has broadened the scope of banking practices and changed the nature of banking as well as the competitive environment in which they operate. A broad opening has been experienced around the world for banks and they are currently taking due advantage of these innovations to provide improved customer services in the face of competition and faster services that enhance productivity (Akinuli, 1999; Ovia,2005). Technological advancement facilitates payments and creates convenient alternatives to cash and cheque for making transactions. Such new practices have led to the development of a truly global, seamless and Internet enabled 24-hour business of banking. ICT revolution both in terms of innovation rate, speedy operation, and cost per unit (portraying reduction in average total and marginal costs) has made a good number of banks embrace the use of ICT infrastructure in their operations (Akinuli, 1999). The technological innovation that is being witnessed currently in the Nigerian banking sector is possible of impacting on the banks’ mode of transactions especially in their payment systems. The payment systems are made feasible by ICT gadgets such as Automated Teller Machine (ATM), Electronic Fund Transfer (EFT), Clearing House Automated Payments (CHAPs), Electronic Purse (E-PURSE), Automated Cheque Sorter (ACS) and Electronic and Transfer at Point of Sale (EFTPOS), which have made transactions easy and convenient. This phenomenon is capable of bringing about speedy operations and enhanced productivity (Adeoti, 2005; Ovia, 2005). Though there may be little interruptions at times due to network failures, which may make customers unable to carry out transactions at that point in time. This little shortcoming is not in any way comparable to the days when banking halls were characterized by long queues mainly as a result of delays in the traditional banking operations. Now banks can provide comprehensive services to their customers by making them access their accounts via online services. These instruments have an edge over the traditional payment instruments because it is safer, more efficient, convenient and cost effective. Before the introduction of these ICT services in the banking industry, manual processing of documents were in use. The bankers were made to cope with this onerous task, and the process made business transactions minimal. Besides several hectic procedures, people had to contend with, banks’ customers were inevitably made to spend several hours in the congested banking halls in carrying out their transactions (Ovia, 2005). The present situation The ICT culture in Nigerian economy can be said to be on the increase. Nigeria is the largest Internet subscriber in Africa with about 100,000 Internet users as at 2000, which was estimated to have grossly increased (Balancing Act, 2007). It has also been observed that Nigeria’s telecommunication density had remarkably increased by more than 2,550% from 0.35% in 1992 to 9.3% in 2004, thereby greatly exceeding the International Telephone Union’s (ITU) benchmark of 1% (Ndukwe, 2005). This phenomenon has helped banks keep substantial information on-line which reduces the cost of marketing their products. Being a competitive tool, it enhances the creation of customized services, reduces the cost of operation, and improves productivity as well as profitability. More interestingly, almost all the banks in Nigeria have internet and on-line real time banking facilities which has improved the scope of Nigerian banking. It has aided transfer of funds from one location to another without any involvement of facial transactions thereby reducing the incidence of loss of funds to stealing and the likes. Another recent one is the telephone banking technology that allows customers to have transactions on their accounts by calling a particular telephone number, through voice activation, and using a tone pad. All of these improve the comfort of banking transactions. THE TYPES OF ICT SUBSTRUCTURES USED IN BANKS Ovia (2005) opined that ICT adoption will improves three critical domains which are efficiency, quality, and transparency in any organisation. Agboola (2001) discussed the dimensions in which automation in the banking industry manifest in Nigeria. They include: Bankers Automated Clearing Services: Automated Payment Systems, Automated Delivery Channels. In the analysis done by Alawode and Kaka (2008) on ICT infrastructures used in Nigerian banks between the periods of 2000 to 2008, found a proportionate increase in adoption and use. The specific ICT infrastructural use within year 2000 to year 2008 include Internet Access; Internal Network; SMS Alert; Substitution of Postal Mail; ICT Security Measures; Authentication and Automated Payment System. The tabular presentation of the ICT structures and the analysis are presented below. This analysis and other recent literature will form the basis for evaluation of ICT adoption success or otherwise, and informs its inclusion in this seminar paper. TABLE 2.1:SURVEY DATA OF SOME SELECTED BANKS IN NIGERIA AND THEIR UPTAKE IN SOME ICT INFRASTRUCTURES Serialnumbers| ICT infrastructures| Percentage of Nigeria Banks that use a particular ICT infrastructure within year2000 to year 2008.| | | 2000 – 2002| 2003 – 2005| 2006 – 2008| 1| Internet Access | 27%| 88%| 91%| 2| Internal Network| Wire based| 68%| 82%| 92%| | | Wireless| 08%| 19%| 28%| 3| SMS Alert| NIL| 22%| 98%| 4| Substitution of Postal mail | 18%| 38%| 88%| 5| ICT Security measures| 62%| 81%| 94%| 6| Authentication| 33%| 76%| 85%| 7| Automated PaymentSystem| 1%| 28%| 87%| Source: Alawode and Kaka (2008) Internet Access: An important indicator of the general uptake of Information and Communication Technology (ICT) in the Banking Industry relates to the use and availability of Internet. Internet access is a precondition for e-Business, as this is the main channel for e-banking. The general availability of Internet allows for the analysis of overall ICT-readiness in the Banking Industry. The Table shows that 91% of Banks studied in Nigeria have access to the internet within year 2006 and 2008, While 27% and 88% from year 2000 to 2002 and from year 2003 to 2005 respectively. The drastic change that occurred from 27% to 88% from year 2000 to 2002 and from year 2003 to 2005 respectively was as the result of ICT awareness competitive products introduced by some the so called â€Å"new generation banks†. Virtually all other banks also braced up to satisfy their customers and there was general improvement in the services and products of Banking Industry. Use of Internal Network: The application of networks is a vital part of an effective ICT-enabled system, which is especially true in the case of banks with a branch network. Local Area Network (LAN) may also be seen as a basic indicator of the minimum infrastructure required to enable companies to conduct e-banking at a substantial level. Wire-based LAN is currently the dominating technology. The survey shows that 92% banks surveyed use wire-based LAN from year 2006 to 2008. The fact that LAN is a relatively low-tech and easily attainable ICT solution, would to some extent explain the wide coverage of this technology from year 2000 to 2008. Wireless LAN is a relatively new technology in the Banking Industry, and is used to permit bank employees to access network resources from nearly any convenient location. The fact that, wireless LAN is relatively new technology accounts for its low percentage uptake in Banking Industry. Use of SMS alert: Instant notification of transactions made was another innovation brought by ICT through the use of smart phone in conjunction with the internet facility in the Banking Industry. Virtually all banks studied in Nigeria use SMS-Alert, except some of the Micro-finance Banks. It was an ICT infrastructure that recorded no patronage between year 2000 and 2002. Substitution of postal mail: The Banking Industry is currently being renewed in many areas. One of these areas relate to the digitalization of formerly paper-based processes. Electronic mail is increasingly being applied for especially non-legal correspondence like account statements, marketing and sales. More than 80% banks surveyed have substituted electronic mail with old postal mail within year 2006 to 2008. This outcome shows that, efficiency gains from electronic mail are yet to be reaped and indicates that the Industry is a bit fragmented in its uptake of electronic mail as means of communication. ICT security measures: The security issue is of special concern in the Banking Industry, as banking is highly based on trust from its customers. Hence, the risk of hackers, denial of service attacks, technological failures, breach of privacy of customer information, and opportunities for fraud created by the anonymity of the parties to electronic transactions all have to be managed. Depending upon its nature and scope, a breach in security can seriously damage public confidence in the stability of a financial institution or of a nations entire banking system. Hence, by introducing the appropriate security measures and putting security concerns at ease, the BI might be able to attract the segments among consumers who previously were not inclined to use e-banking. Furthermore, it is also in the banks’ own interest to improve security, as digital fraud can be costly both in financial losses, and in terms of the damage it does to the brand of the bank in question. Authentication: The common concern among users of e-banking is related to the authentication of users and data connections. The use of digital signatures is not as common as PIN codes or encryption, and reason is the fact that digital signature is relatively new technology. The research even shows that none of the studied banks uses digital signature as the form of authentication, but the up-take in other types of authentication is generally high, up to 85% within the year 2006 and year 2008. Automated Payment System: Devices used in Automated Payment Systems include Automatic Teller Machine (ATM) and Electronic Funds Transfer. ATM still ranked higher in its spread than Electronic Funds Transfer, Low rate of spread of this technology might be due to cost, fear of fraudulent practices and lack of facilities necessary for their operation. But generally speaking, the adoption of Automated Payment System increased dramatically. The table shows the increase from 28% to 87% within the range of 3-years. BENEFITS OF ICT ADOPTION ON BANKING INDUSTRY Many researchers have agreed on some benefits that accrue to ICT adoption and use in the banking industry. These include among others: Enhanced operational efficiency. The use of ICT in the banking industry enhances the operational efficiency of the banks (Madueme, 2009). For example, the use of SMS alert, an ICT infrastructure that recorded no patronage among Nigerian banks between year 2000 and 2002, has presently aided instant notification of transactions. Improved quality of service delivery. Many researchers (Ikechukwu, 2000; Madueme, 2009; Fenuga Oladejo, 2010) confirm that the application of ICT to banking operations has undoubtedly enhances the quality of customer service delivery in the banks. The uses of ICT-based payment systems such as Automatic Teller Machine (ATM) and Electronic Funds Transfer have actually improved the service delivery of Nigerian banks to its customers. For example, a money transfer transaction that used to take me days to transact has been reduced to a matter of few minutes. For a case in point, last week, I sent money to my brother through UBA bank and before I got to the gate after the transaction, I got a call from him confirming that his account was credited through a message alert. Increase in customer satisfaction. This benefit derives from the one above. According to Fenuga and Oladejo (2010), the adoption and use of ICT in the banking industry has increased customers’ satisfaction due to improved quality of banking services. Referring to the above case of personal experience, it is unequivocal that customer satisfaction has markedly increased as a result of adoption and application of ICT in Nigerian banks. Improved profit performance. Another important benefit of the adoption and use of ICT in the banking industry has to do with improved profit margin. Many studies (Baba Harker, 1997; Ikechukwu. 2000; Madueme, 2009; and Oladejo Adereti, 2010) have shown significant and positive correlation between ICT adoption and profitability of organisations. Increase in market shares. When ICT is successfully adopted and applied to banking operations, the overall performance of the banks is improved and this manifest in the corresponding increase in market shares, profitability and other indicators of performance (Oladejo Adereti, 2010). Enhanced competitive advantage. Researches by Ikechukwu (2000) and Oladejo and Adereti, 2010 have lent credence to the fact that application of ICT to the operations of the banks has boosted their operational efficiency and brought about greater competitive advantage in the industry. EFFECTS OF ICT ON BANKING INDUSTRY Agboola (2001) studied the impact of computer automation on the banking services in Lagos and discovered that Electronic Banking has tremendously improved the services of some banks to their customers in Lagos. The study was however restricted to the commercial nerve centre of Nigeria and concentrated on only six banks. He made a comparative analysis between the old and new generation banks and discovered variation in the rate of adoption of the automated devices. Aragba-Akpore (1998) wrote on the application of information technology in Nigerian banks and pointed out that ICT is becoming the backbone of banks’ services regeneration in Nigeria. He cited the Diamond Integrated Banking Services (DIBS) of Diamond Bank Limited and Electronic Smart Card Account (ESCA) of All States Bank Limited as efforts geared towards creating sophistication in the banking sector. Ovia (2000) discovered that banking in Nigeria has increasingly depended on the deployment of Information Communication Technology and that the ICT budget for banking is by far larger than that of any other industry in Nigeria. He contended that On-line system has facilitated Internet banking in Nigeria as evidenced in some of them launching websites. He found also that banks now offer customers the flexibility of operating an account in any branch irrespective of which branch the account is domiciled. Cashless transactions were made possible in our society of today. The mover of the economy (Banking Industry) is now well positioned to meet-up with the new challenges from the costumers, competitors and even from the nation’s economy with right tool in their hand to reach limitless point of success. The Industry is now growing on daily basis with respect to new innovations that are coming out in the world of technology. Evaluation The banking business in Nigeria today can be assessed as being highly ICT based. The analysis of Alawode and Kaka (2008) ICT infrastructures used in some selected banks between year 2000 to year 2008 as earlier presented in table 2.1 clearly indicate the steady growth of ICT application in Nigerian Banks. Internet access usage, for example, rose from 27% between years 2000-2002 to 91% between years 2006-2008. SMS Alert that was nonexistent between the periods of 2000-2002 rose from nowhere to 98% between years 2006-2008. Similarly, Automated Payment System that was barely 1% between years 2000-2002 rose dramatically to 28% in years 2003-2005 and sky rocketed to 87% between years 2006-2008. The research, which provided the above analysis, is over 5 years old now. Considering the rate of growth reported in the analysis, it is obvious that most of the infrastructures may have reached their full potential. Drawing from above background, one could reasonably accept Akinuli’s (1999) viewpoint when he observed then that it appears Nigerian banks were reaping most of the benefits of revolution in technology, as can be seen by its application to almost all areas of its activities. Adeoti (2005), Ovia (2005) and Osabuohein (2008) in separate remarks affirmed the fact that the technological innovation witnessed in Nigerian banking sector is possible of impacting on the bank’s mode of operations especially in their payment systems. It is indeed unequivocal to state that ICT adoption in Nigerian banks has broadened the scope of banking practices and changed the nature of banking as well as the competitive environment in which they operate. Such new practices have led to the development of a truly global, seamless and Internet enabled 24-hour business of banking. In summary, the adoption of ICT in Nigerian banks can be said to be a success though not without some challenges. Challenges The automation of banking operations is really posing challenges to the Consumers, the banks themselves and Regulatory/Supervisory authorities in Nigeria. Among the issues concerned are: Infrastructural deficiencies: It is obvious that the use of ICT in the banking industry require minimum level or basic infrastructure such as electricity, telecommunication and motorable roads. Yet all these remain great challenges even as they feature as manifestos in all political campaigns. Ineffectiveness of telecommunication service providers and epileptic supply of electricity have often times cost people to spend days suffering to recover trapped cards in ATMs. For example, there was a day my friend’s card got trapped for only God knows the reason, but on a Saturday when the banks staff could not be accessed to recover neither the card nor alternatively withdraws money at UBA Aliade road branch. He had to wait until Monday morning to recover his card. Whatever his purpose for wanting to access money must have been defeated. Consumer Awareness and capacity: A major challenge of ICT banking to many illiterate and semi-literate population of the country who reside in rural areas is lack of awareness of how the systems work and their inability to access the services which mostly exist in cities and high populated work areas or institutions. Access to ATM and GSM Telephones: There are inadequate banking facilities to cover for the growing population of Nigerians who can access the services. Many households are unable to afford terminals and all accessories required for operating in today’s banking system. The recent Federal government’s 60 billion naira telephone project for 10 million farmers (Olatunji, 2013) is one exemplification that majority of Nigerians are too poor to afford a telephone, a necessary accessory for accessing ICT banking services. Consumer Protection: Another major challenge of adoption of ICT is the absence of statutory or regulatory provisions to protect the consumer of the products/services. Fraud: So much fraud has been reported within and outside banks due to ICT adoption. The high exposure of the system to fraudsters, hackers and other criminally minded persons who could access, retrieve and utilize confidential information from the system if security measures are weak; to checkmate unauthorized intrusion is another challenge to the authorities. Systems Operational Risks: Bank IT rests on computers and telecommunications which could be susceptible to system failure, internal manipulations and inconsistent regulatory policies (Etim, 2000). Conclusion Concerns about ICT role in attaining effectiveness, efficiency and productivity were raised in the late 1980s. Since then a large number of studies have emerged both at the industry and firm level that have substantially improved our understanding of the relationship between ICT and firm performance. This paper has clearly defined what ICT is and presented a review of relevant literature to aid understanding of the historical antecedents or reforms that necessitated its adoption in Nigerian banks by assessing the benefits and effects, and the journey so far. The paper further evaluated the success of ICT adoption as well as addresses the challenges it has posed to banks, consumers of services and supervising authorities. The paper concludes that the adoption of ICT has influenced the content and quality of banking operations positively. From all indications, ICT presents great potential for business process reengineering of Nigerian Banks. It is imperative for bank management to intensify investment in ICT products to facilitate speed, convenience, and accurate services, or otherwise lose out to their competitors. Recommendation This paper recommends that investment in information and communication technology should form an important component in the overall strategy of banking operators to ensure effective performance. References Adam, J.A. (2005). Banking Sector Reforms: The Policy Challenges of Banks Consolidation in Nigeria. Selected Papers for 46th Annual Conference, Nigerian Economic Society, August 23-25. Adeoti, J.O (2005). Information Technology Investment in Nigerian Manufacturing Industry: The Progress So Far. Selected Papers for the 2004 Annual Conference, Ibadan: Nigerian Economic Society, 213-244. Adeyemi, K.S (2006). Banking Sector Consolidation in Nigeria: Issues and Challenges. Union Digest, 9(34) June (http://www.unionbankng.com/adeyemi.pdf). Agboola, A. A. (2006). Electronic payment systems and Tele-banking services in Nigeria. Journal of Internet Banking and Commerce, 11(3), 112-124. Agboola, A. A. (2001). Impact of Electronic Banking on Customer Services in Lagos, Nigeria. Journal of Economics and Financ, 5(12), 45-73. Akinuli, O.M. (1999). Information Technology in Nigeria’s Banking Industry: Operational Applications, Problems and Future Challenges. CBN Bullion, 23(3), 71-75. Alawode, A. J. and Kaka, E. U. (2008). Information and Communication Technology (ICT) and Banking Industry. Proceedings of the 1st International Technology, Education and Environment Conference, African Society for Scientific Research (ASSR) 673-677. Aragba-Akpore, S. (1998). The Backbone of Banks’ Service Regeneration. Moneywatch, July 22, p23. Baba, P. and Harker, P. (1997). Examining the Contributions of Information Technology towards Productivity in United States Retail Banks. Pennsylvania: Wharton School. Balancing Act, (2007). Balancing Act News Update (http://www.balancingact- africa.com/country_profile.php?id=24). CBN, (2006). Press Release. The Guardian, Vol.22 (9902), January 3, p.11. Diamond Bank, (2005). Banking Industry Report, Strategic Planning Unit, December (http://www.diamondbank.com/public/Banking%20Industry%20Report%20December%202005.pdf). Etim, S. O. (2000). Electronic Banking: The Risks in the Insurance. A Paper Presented at Centre for Insurance Research Luncheon, Lagos, May 23. Fenuga, O. J. and Oladejo, R. K. (2010). The Effect of Electronic Payment on Customer Service Delivery in Nigerian Banks. International Journal of Economic Development Research and Investment, 1(1), 5-16. Frenzel, C.W. (1996). Information Technology Management, Cambridge: Thomson Publishing Company. Harold, B. and Jeff, L. (1995). Don’t Let Technology Pass You By. ABA Banking Journal, 73-81. Iganiga, B.O (1998). Contemporary Issues in Money and the Nigerian Financial System, Lagos: Amfitop Books. Ige, C.S (2007). Reforms in Development. The Reformers, 2(1), 4-16. Ikechukwu, G. (2000). Enhancing the Performance of Banking Operations through Appropriate Information Technology in Nigerian Banking Industry. Ibadan: Spectrum Books. Madueme, I. S. (2009). Impact of information technology on the ptofitability of commercial banks in Nigeria. International Journal of Business and Common Market Studies, 6(12), 112-121. Ojo, J.A.T. (2007). Financial Sector Maladaptation, Resource Curse and Nigeria’s Development Dilemma. Public Lecture, Covenant University, Ota, Ogun State, January 25. Oladejo, M. O. and Adereti, A. S. (2010). Impact of information technology on the performance of microfinance institutions in Ogun state, Nigeria. International Journal of Economic Development Research and Investment, 1(1), 44-55. Olatunji, S. (2013). FG to give rural farmers N60bn cell phones. Punch, January 3, www.punching.com/business/business economy/fg-to-give rural-farmers-n60bn-cell-phones/ O sabuoheien, E. S. C. (2008). ICT and Nigerian Banks Reforms: Analysis of Anticipated Impacts in Selected Banks. Global Journal of Business Research, 2(2), 67-76. Ovia, J. (2000). From Banking Hall to E-Platform. Financial Standard, January 15. P. 6. Ovia, J. (2005), Enhancing the Efficiency of the Payment System in Nigeria. CBN Bullion, 29(1), 8-18. Soludo, C.C. (2004). Consolidating the Nigerian Banking Industry to Meet the Development Challenges of the 21st Century. An Address Delivered to the Special Meeting of the Bankers’ Committee, Abuja, July 6. Woherem, E. W. (2000). Information Technology in the Nigerian Banking Industry. Ibadan: Spectrum.

U.S. Military Women in Vietnam Essay Example for Free

U.S. Military Women in Vietnam Essay United States military women played important roles during the war, in Vietnam. Women served on voluntary terms and proved to aid amid the destruction and death in Vietnam. When Diane Carlson Evans, a former army nurse in Vietnam, first saw the Vietnam Veterans Memorial, she felt something was missing. Her efforts to highlight the service of women in Vietnam were rewarded on November 11, 1993, when the Vietnam Womens Memorial was dedicated. We learn from (Anderson, p. 99) that, â€Å"All women who served in Vietnam were volunteers, whether civilian or military. At one time there was discussion about drafting women nurses, but this was never implemented. Some women military asked to go to Vietnam, and some were sent against their wishes and even against recruiters promises, but all were volunteers because they voluntarily signed up for the military. † The discussion came up about drafting women, during Vietnam but it was decided that women would not be ordered to serve during this war. There was a huge need for nurses and other jobs, in Vietnam, but the draft was never made mandatory. We learn from Joan Arrington Craigwell and Ellen Hoffman Young, (Craigwell, Young, p. 77) that â€Å"Significant numbers of women served admirably in all branches of service as professional nurses, physical therapists, occupational therapists, air traffic controllers, aerial reconnaissance photographers, intelligence and language specialists, legal officers, and in security and administrative positions. Civilian women also served in Vietnam in the Red Cross, USO, the Central Intelligence Agency and the U. S. Agency for International Development, as well as in other government agencies. Other women worked there as journalists, flight attendants, and in various church and humanitarian organizations. † We also learn that, â€Å"Where are these women today? Could they possibly be your wife, your nurse, co-worker, your supervisor, your physician or your next door neighbor? Could you find them if you looked? These women have camouflaged themselves, an easy task in our society. All they have to do is keep quiet. Women served alongside men in that sink-pit of war. For the country to heal, these women need to reveal the full depth of their experiences, first to themselves and then to the rest of us. Its time for womens experiences and contributions to be recognized and acknowledged as an important part of the history of the Vietnam conflict. †Women have not necessarily been associated with serving in the United States, during Vietnam. When we think about Vietnam, we most likely connect the war with an all male group. Many women served in Vietnam and made huge contributions to this war effort. We learn from the Tod Advisor’s Notebook that, (Women in Vietnam, p. 1) â€Å"In 2002, we think nothing of seeing women soldiers going into combat, or women police officers on our streets. This is a fairly recent development and, even today, these are far from accepted roles for women outside the United States (and Canada). During the time of TOD, 1967-69, womens role in society was very limited. In the military, women were mostly restricted to clerical or medical duties. All women who served in the Armed Forces were either volunteers or obligatories (again, my term), the latter being mostly nurses who had received public funding for their training and were obliged to serve two years in the military in exchange. During the period of the Vietnam War, women did not attend West Point or participate in ROTC programs. Far fewer women served in the military (either in total or as a percentage) than had served in WW II.

Integrating Technology In The Teaching And Learning Process Education Essay

Integrating Technology In The Teaching And Learning Process Education Essay In the 21 century, technology is everywhere. Especially the new generation is growing up with technology and gets familiar with it. Computer technologies have dramatically changed the way people reach information, do research and communicate with people all around the world. Because of this reason, schools and teachers need to be aware of improving their technological tools and skills to be able to catch the students` attentions and interests. Using technology in classrooms also makes the lesson more efficient. The presence of technology in education became a must in order to match with the development of other areas such as engineering, medicine, defense and aerospace, agriculture and science of modern times. The field of education has witnessed a great boom in the late twentieth century, but he tends to take us a broad dimensions at the beginning of this century. The governmental and private educational institutions raced towards this direction to find and provide effective means to help the student to learn easily and provide them with the ability to innovate effectively in the study and in their future work. Before we talk about the importance of technology in education, we have to know what is meant by educational technology in education. Educational technology is defined as a means or an integrated process involving theories of education, ideas, and applications through which you try to enter the means of modern technology to match the learning objectives of developing and facilitating education, and to find viable solutions to the problems and learning difficulties faced by the teacher and student. When the means of technology like computers and internet interact in enriching education then the educational process becomes simple and easy in a way that allow those working in the field of education to overcome the problems facing education easily. We can define the role that technology plays in the field of education as follows: 1 The technology plays the role of the guide , which helps the teacher in guiding the scientific material for students, and replaces the traditional method of education in explaining the lesson and providing information. The technology, by all its means of development, can simply do a major change in the private educational level of the teacher and his ability in introducing the approach to the student in a way that gives the opportunity to greater and easier chance in understanding the lessons. This will reflect the students ability to develop his mental and intellectual learning, and refine his creative talents and capabilities in his school activities. 2 A modern and educational tool like computer could focus the attention of students for using it in the field of education. Taking it as a guide or electronic assistant will guide them, by its various programs and functions, in the field of learning and discovering new talent and the development of mental abilities in various subjects and education. As well as the Internet opens a new door that helps students per semester to participate in educational activities in the field of research and exchange of information through these activities. 3 Technology provides an abundant source of information that both the teacher and student need it. Internet has become a broad sea and has a wealth of information such as encyclopedias, dictionaries, maps and other information sources that are difficult to obtain through traditional research. In the time where it takes the teacher or professor days to search for information in a particular subject, going online and surf the internet will not take more than hours (or preferably minutes) to get that information easily without any stress. 4 Technology, as a source of communication, has opened wide branches where the teacher and student stay in a continuous contact by interacting over the internet. While the teacher is sitting in front of his computer, the student can communicate with his/her mentor at home via the Internet , in this case they have found a new way to communicate, and open the door to communicate and discuss matters related to the student in his study. Students can also communicate between each other regarding their homework or their research process. Also the internet became a communication tool between the teacher and the school via emails. Modern schools interact with their teachers via emails not by paper reports. Due to the prior knowledge that I have mentioned , I decided to focus , during my observations, on integration technology in the teaching process. Does the teacher integrate the technology in his/her instructional time ? 2. Literature of review: Technology of education plays a major role in the educational process and this importance is reflected in raising the level of education and learning and the development of thinking, by: à ¢Ã¢â€š ¬Ã‚ ¢ Raising the learners attention: It is working to raise the learner to watch a film or television program or transparent segments on a particular topic. à ¢Ã¢â€š ¬Ã‚ ¢ Increase the experience of the learner: the learning techniques provide new subjects in which the classroom teacher can not provide it, thereby expanding the expertise areas of the learner. à ¢Ã¢â€š ¬Ã‚ ¢ Work on building and configuring the true trends and concepts of the learner by providing a lot of skills and ideas. à ¢Ã¢â€š ¬Ã‚ ¢ Make the learning experience more effective and more lasting impact and less likely to forget. These techniques work on the installation of information for the learners, especially when they see things, where it is difficult to forget because of viewing the content of the picture presented. à ¢Ã¢â€š ¬Ã‚ ¢ Working on the diversification of teaching methods: it can be a diversity in the methods used in education via variety of learning techniques, as they can provide a variety of topics in various ways that differ from those techniques used in the traditional education methods, through the transparent slides or television or cinema or the computer or other diverse educational devices. Mabel CPO Okojie, Anthony A. Olinzock, and Tinukwa C. Okojie.Boulder ( 2011. P. 66 ) indicate that Technology used for teaching and learning should be considered an integral part of instruction and not as an object exclusive to itself. Viewing technology integration from a wide perspective will provide teachers with the necessary foundation to implement technology into the classroom more successfully. The role of technology in teaching English : Lang (2005 ) declares that there are many advantages to the integration of technology in the classroom for students, particularly English as a foreign language. To be able to improve their language skills, such as writing and reading and listening to speak and learn the English language and the use of computers and software to make sure of its work and correct itself, and improve their language skills, and the use of Internet and e-mail to search for information, and to accede to the threats, and the dissemination of their work, and reading texts technology, and communicating between each other even. The reasons that yields for learning languages by the help of the computer: 1 Development of experiential learning in the field of the educational process. 2 Increase the motivation of the students for education. 3 To improving the academic achievement of students. 4 To increase the interaction between the student and the computer. 5 Individual learning through self-learning and make the student self-reliant in learning. 6 To organize the systematic creative thinking of the learner. 7 To save time and reduce the effort on the teacher and the learner. 8 Multiple sources of knowledge for the variety of programs that can be provided by the device to one student or several students to education by conclusion. Advantages of Computer Assisted Language Learning CALL: 1 Motivation: Use technology outside or inside the classrooms usually raise the students interest, where the student interacts with scientific material whether with the help of a mentor or from others, and also the student can deal with parts of the scientific material and the immediate transition from partial to another through multimedia (such as images and video . .) 2 Adapting learning to the student: Computer has an important role in the process of new learning and teaching, and without the use of computers in the educational process it is difficult for the students to achieve academic progress. Adaptation of the student with computers and software means the speed of learning and also the student will be able to choose what to learn, which makes the student more efficient. Students tend to learn in the form of stories and educational games or solve puzzles and this could be through the computer, more than the traditional direct teaching. 3 Individuality: These programs and educational tools correspond with the needs of each learner, and meet the desires and also in line with the scientific level, which allows the student to quickly learn and rely on himself to learn any educational material. 4 Cosmic: It can be accessed anywhere, at any time through these tools without barriers through multimedia, that can be used to introduce the educational material. The role of technology in teaching mathematics : Due to the enormous technical progress that we are witnessing in our time, calculators exist and become accessible to everyone, and moving away from using it in the school curriculum would negatively impact on the attitudes of students towards the study of mathematics, and thus generate a trend towards the introduction of a calculator in the mathematics curriculum, although there was disagreement about the inclusion in the curricula of primary school. The project of the British Schools Council showed that the use of a calculator is effective in the teaching of mathematics in high school, it helps students with less abilities to deal with more mathematical applications instead of spending time in the calculations of the mechanism. And also the results of many studies showed the feasibility of introducing calculators in the mathematics curriculum in high school , for example: 1. Using a calculator helps to change the method of teaching some topics where it is possible to deal with numerical data and perform operations easily while saving time and effort. 2. Using a calculator provides greater opportunities to study the attitudes and realistic dealing with numerical sequences, geometric, and exponential functions, infinite sequences. 3. Using a calculator to give rounding to irrational real numbers. 4. Using a calculator to find rounding for the root of the real roots of an equation of the third degree. We should not stop on the use of calculators only, but it should be extended to include the computer, which can serve largely the process of teaching and learning of mathematics. The computer is the most technical challenge to educators because of its impact on mathematics, and methods of teaching. Many different programs appeared that resulted in a wide range of mathematical functions in addition to the increasing of opportunities for teaching and learning of mathematics through the use of computers as an educational tool. The International Committee for the teaching of mathematics felt sorry about the doubt that still hovers on the introduction of computers to the school curriculum in the nineties, and there were many trends that support the introduction of the PC to the high school approach, whether through the study of computers and training to use it, or through the use of pre designed software or software prepared by the learners themselves. The computer is usually introduced to the curriculum under two distinct segments: 1. Studying the computer and training how to use it. 2. the use of programs to study the mathematical relationships and solving problems. The second goal diverted into two directions: 1. The learners should write their own programs. 2. Learners should use ready programs. Examples of projects that relied on the learners do their own programs (SMP) in the United Kingdom, and (CAMP) and (SOLO) in the United States of America The computer gains an educational feature it became the key that can be used as an educational tool, it can be used as : 1. Electronic board used by the teacher. 2. A mentor that facilitates the learning process of the learner. 3. A means to evaluate the performance of the learner. 4. Individual education where the programs include exercises, training, and self-evaluation. 5. A tool to perform calculations and the representation of functions, operations, 6. A tool to encourage experimentation and research, which are the components in the process of learning and teaching mathematics. It should be noted that the emergence of computer science has increased the importance of teaching mathematics-related to sequences such as counting, matrices and probability, statistics, and requests the introduction of a unit or units for a small computer programming. The major problem that students are facing in math is dealing with real world problems. Rodney X. Sturdivant, Penelope Dunham, and Richard Jardine ( 2009, p.171 ) declare that Teaching problem solving to students in a twenty-first century mathematics program simply should use available technology. Advances in recent years have led to exciting opportunities that allow students in the average mathematics class to work on problems that are much richer and more real than ever before. With these advances comes a need to develop and implement faculty development programs for technology-based instruction in mathematics departments. Integrating a technology-supported focus on problem solving into a mathematics program is, however, an evolutionary process, not a revolutionary one. The implementation involves gradual changes over time in curriculum, pedagogy, and assessment. Similarly, faculty development to support such a technology-based curriculum is best done incrementally. Used properly, technology enhances instruction and makes the class- room more exciting than ever. 3. Methodology : I used classroom observation in analyzing integrating technology during instructional time. I decided to observe an English class and a math class, twice each, for ninths graders at a high school under the name of applied technology. According to my schedule and the other teachers schedule we arranged for four observations. The first two was on Sunday during the 7th and 8th period and it was a math class, while the third and the fourth observations were on Sunday the 7th period and Monday the 2nd period respectively and it was an English class. 4. Analysis: Before start answering this question, I would like to explain some other circumstances that were going on during these periods. I used a form that divided the lesson into 3 parts : beginning Body of the lesson. Closure. These criteria of each part are illustrated in this form: The criteria that I mentioned above helps to have a good educational atmosphere during the class and to implement any strategy or method that should be used during the instructional time. In the English class the 2 periods were about reading and writing . The teacher was using a program called Edmodo for doing activities and involve the students more in the class. She uses the projector and the internet to show the students some videos related to their topic. During the writing period the teacher divided the students into groups , and each group was asked to write an essay by typing it on the laptop and send it to the other groups in order to read them and send their feedback to each other. Edmodo is an online-based interactive tool that is designed for educational purposes. It has both Learning Management System (LMS) features as well as Social Media (SM) and Twitter features/interface. The sheer fact that it looks like FaceBook (FB) makes it easier for students to learn how to use it due to their familiarity with FB. Online discussions:  the teacher post a message that opens the door to an online threaded discussion. The teacher set the minimum word limit for a response. This allows students who are not of high level to take their time before posting their responses as they tend to read the ones posted by their peers first, which is acceptable in an ESL class environment, as long as they dont plagiarize. Sharing Platform: for example, students share two links to online articles on local news. Students are asked to paraphrase the headline and write a preview of 50 words on the article to motivate their peers to read it. Within the same context, students are encouraged to share reviews of books, websites, musical albums, TV shows and even movies. Voting Pallet/ Poll:   The voting function in Edmodo allows the teacher to check Students comprehension at the end of a lesson. When students receive a question as a Poll, they dont get to see what others have chosen until they post their response, which makes this function a true simultaneous reflection of students understanding. Another use for this function is to check Students background on a topic before class, which helps the teacher in planning. Finally, its an easy and immediate way to receive Students feedback. Sharing files: teacher and students can share almost any file types. This facilitates the exchange of files in the class as Students can download the files before coming to class or preview them within the platform. In addition, the students can publish their weekly audio journals on Edmodo. MP3 files can be played automatically without having to download, which allows for immediate interaction with audio material published on the group wall. Embedding: Edmodo allows the teacher to embed any presentation, video or multimedia that comes with an embedding code, which has reduced the need to visit other platforms. The teacher embed flashcards from www.quizlet.com, video tutorials from www.screencast.com as well as Google presentations to share material with the students. During the math class the teacher was explaining how to solve absolute value equations. He was not using the traditional way, like solving on the board. He was using the smart board and the projector, while the students were using their laptops. He designed a software to solve such equations by using animations , different colors and different shapes so the students can understand and be familiar with the subject in an easier way. This program was sent to the students via email that was created by the school. This is a nice interactive way between the teacher and the students so they can communicate between each other not necessary during the school but at anytime outside the school. The teacher also used the math blog that was designed by the school to upload materials related to the subject. The student in this case can go to this blog at anytime to check and download this material that helps to understand the material. Also the teacher was using the smart and wireless pad. This pad was used by the teacher during passing between the students so he can access the board by writing on the board while explaining or moving from slide to another without the need of going back to the board and computer. This tool helps to be closer to the students specially the weak ones and this makes the interaction between the teacher and the student more effective. 5. Conclusion: Due to the rapid development of information technology and technology of education, it was not feasible to keep the teacher away from the technical scene, which has become an irreversible reality, so be the only option is to move to the era of technology itself, so that it can meet the challenges posed by the intelligence of the student, and his knowledge in every new in the world of technology, and his use of modern complicated means of communication. The supporters of technology in education are keen to emphasize that the use of modern technology does not eliminate the role of the teacher, but on the contrary, will continue his role forever, but it will become more difficult because the teacher is the essence of the educational process, and should be up to date for every new, and flexible to be creative and innovate, and can manage the work ably. So the career of teaching became a combination of the tasks of the leader, and critic and the router in order to be able to face the age requirements and its challenges and what is called globalization with its cultural, social and economic challenges. The success of the teacher is related to the best use of technology by transforming the classroom from place where the information is transmitted in one direction, from teacher to student, to a learning environment characterized by dynamic, and student-centered, where students can interact between each others as groups and with another classes from around the world via internet, and follow the teaching skills that take into account the needs and expectations of diverse and disparate recipients, and to develop a practical understanding of technology education with the continuous focus on the educational role of his personal.