In Business For


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in business for Electronic Banking

The Electronic Banking Association (EBA) is a non-profit organization
established to do one simple thing-help more people get started with electronic
banking. Here's why. Who taught you how to write paper checks? Probably your
parent's right? Well, who's going to teach you how to write electronic checks?
Probably NOT your parents. That's where they come in. E-banking is so much more
convenient and so much quicker that everyone should know about it. The EBA was
established as an independent source of helpful information about electronic
banking for consumers and businesses. Financial institutions, merchants, and
other financial service firms actually provide financial e-commerce services,
but the Electronic Banking Association (EBA) monitors progress in the financial
e-commerce industry and provides information that will enable users of those
services to become better informed and to locate providers of the services they
seek. Everyone hates paying bills. It's time-consuming, frustrating, and you
have to lick that awful envelope glue. But not with e-banking. You'll spend less
time paying bills, and more time doing fun stuff. Here are some advantages to
e-banking: - No more paper checks. Your computer remembers who you write checks
to. You simply enter an amount then point-and-click. You'll never run out of
checks again. - No more hassles. You can schedule your payments in advance, so
they'll get paid while you're on vacation or away on business. Electronic
payments are processed quickly, in as little as 24 hours to 5 days (unlike a
paper check sent in the mail, which takes an average of 10 days to post). - No
more envelopes to lick. No envelope glue. No paper cuts on your tongue. And you
can stop writing your return address again, and again, and again. - No more
writer's cramp. It takes forever to write checks and addresses every month.
E-banking cuts that time to practically nothing. - No more stamps. With
e-banking, there's no postage and your bills are processed quickly - whenever
you want them paid. You can pay your bills online, so it only makes sense to
receive them that way, too. This is called "Electronic Bill
Presentment," and more and more businesses are going to offer it. - No more
lost bills. Your dog can't eat electronic bills. Your kids can't misplace them.
And you can't lose them under a stack of catalogs. - Pay bills when you want to.
Not when the post office decides to deliver them. Click to see it. Click to pay
it. Your bills appear right on your computer screen and look much like the
printed bills you are used to getting. But the difference is you can pay them
with just the click of a mouse. - Better record keeping. All your billing and
payment information is kept in one convenient location, not in messy cardboard
boxes or goodness only knows where else. You can pay your bills online, so it
only makes sense to receive them that way, too. This is called "Electronic
Bill Presentment," and more and more businesses are going to offer it. In
addition to paying bills online, you can get current information any time you
want it. So you can get up-to-date account balances, transfer funds, obtain
information about check clearing; all sorts of things. You can import this
information directly into today's popular financial management programs such as
Quicken without having to re-enter it. You buy things all the time with credit
cards, right? Well then, those are electronic transactions just like these.
Today's latest Web browsers have sophisticated encryption that's very secure.
What's more, electronic checks are safer than having paper checks lying around
where anyone can obtain and misuse your account information. Experts predict it
would take a hacker over 2,000 years to crack 56-bit encryption. Yet many
financial institutions today require a browser that supports 128-bit encryption,
which would take about 12,710,204,652,610,000,000,000,000 years to crack. Now
that's secure. (Source: Byte Magazine) When you're ready to open an e-banking
account, you can receive more information on security, as well as a recent
browser that supports 128-bit encryption, through your financial institution or
at the Netscape and Microsoft Web sites. In the time it takes you to pay your
bills the old-fashioned way, you can be up and running with e-banking. Best of
all, once you enter who you pay bills to, you'll never have to re-enter that
information. Your financial institution may offer e-banking via the Web or a
personal financial manager or both. Web-based e-banking is generally easier and
quicker to set up. All you'll need is a recent ... more

in business for

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A Timeline of the Holocaust

The Holocaust was the systematic, bureaucratic annihilation of six million Jews by the Nazi regime and their collaborators as a central act of state during World War II. In 1933
approximately nine million Jews lived in the 21 countries of Europe that would be occupied by Germany during the war. By 1945 two out of every three European Jews had been killed.
Although Jews were the primary victims, hundreds of thousands of Roma (Gypsies) and at least 250,000 mentally or physically disabled persons were also victims of Nazi genocide.
As Nazi tyranny spread across Europe from 1933 to 1945, millions of other innocent people were persecuted and murdered. More than three million Soviet prisoners of war were
killed because of their nationality. Poles, as well as other Slavs, were targeted for slave labor, and as a result, almost two million perished. Homosexuals and others deemed
"anti-social" were also persecuted and often murdered. In addition, thousands of political and religious dissidents such as communists, socialists, trade unionists, and Jehovah's
Witnesses were persecuted for their beliefs and behavior and many of these individuals died as a result of maltreatment.

The concentration camp is most closely associated with the Holocaust and remains an enduring symbol of the Nazi regime. The first camps opened soon after the Nazis took power
in January 1933; they continued as a basic part of Nazi rule until May 8, 1945, when the war, and the Nazi regime, ended.

The events of the Holocaust occurred in two main phases: 1933-1939 and 1939-1945.

I. 1933-1939:

On January 30, 1933, Adolf Hitler was named Chancellor, the most powerful position in the German government, by the aged President Hindenburg who hoped Hitler could lead the
nation out of its grave political and economic crisis. Hitler was the leader of the right-wing National Socialist German Workers Party (called the Nazi Party for short); it was, by 1933,
one of the strongest parties in Germany, even though * reflecting the country's multi-party system * the Nazis had only won a plurality of 33 percent of the votes in the 1932 elections to
the German parliament (Reichstag).

Once in power, Hitler moved quickly to end German democracy. He convinced his cabinet to invoke emergency clauses of the Constitution which permitted the suspension of
individual freedoms of the press, speech, and assembly. Special security forces * the Special State Police (the Gestapo), the Storm Troopers (S.A.), and the Security Police (S.S.) *
murdered or arrested leaders of opposition political parties (communists, socialists, and liberals). The Enabling Act of March 23, 1933, forced through a Reichstag already purged of
many political opponents, gave dictatorial powers to Hitler.

Also in 1933, the Nazis began to put into practice their racial ideology. Echoing ideas popular in Germany as well as most other western nations well before the 1930s, the Nazis
believed that the Germans were "racially superior" and that there was a struggle for survival between them and "inferior races." They saw Jews, Roma (Gypsies), and the
handicapped as a serious biological threat to the purity of the "German (Aryan) Race,"[footnote #1] what they called the "master race."

Jews, who numbered around 500,000 in Germany (less than one percent of the total population in 1933), were the principal target of Nazi hatred. The Nazis mistakenly identified
Jews as a race and defined this race as "inferior." They also spewed hatemongering propaganda which unfairly blamed Jews for Germany's economic depression and the country's
defeat in World War I (1914-1918).

In 1933, new German laws forced Jews to quit their civil service jobs, university and law court positions, and other areas of public life. In April 1933, a boycott of Jewish businesses
was instituted. In 1935, laws proclaimed at Nuremberg stripped German Jews of their citizenship even though they retained limited rights. These "Nuremberg Laws" defined Jews
not by their religion or by how they wanted to identify themselves but by the blood of their grandparents. Between 1937 and 1939, new anti-Jewish regulations segregated Jews
further and made daily life very difficult for them: Jews could not attend public schools, go to theaters, cinemas, or vacation resorts, or reside, or even walk, in certain sections of
German cities. ... more

in business for

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