出国留学该带什么东西|出国留学必备

出国留学对中国学生来说,是一件前途光明、道路曲折的事业,无论去任何一个国家,无论家庭的经济条件如何,都应当本着勤奋、节俭、务实的态度来对待学习和生活。特别提醒的是,各国航空公司对托运行李的重量和体积都有明确规定和限制,超限部分将要付出很多费用。本着上述原则及出国留学的基本经验,我们为您列出以下物品清单,既能满足基本需要,又控制在一般行李托运的大致限额以内,仅供参考。

出国留学该带什么东西|出国留学必备

一、服装

1、标准西服1-2套;

2、衬衫或裙衣若干件;

3、领带(若干条);

4、皮衣或棉衣,视去不同国家而定;

5、其他自己日常所需的内外服装若干;

6、皮鞋(一般普通皮鞋和棉皮鞋)、运动鞋、拖鞋等。

二、药品等

1、日常的抗感冒药、消炎药、跌打药等;

2、眼药水、皮炎平、创可贴、风油精、晕车药等;

3、其他自己所特需的药品。

三、书籍和有关的文化用品

1、与所去国语言对照的词典一本(如英汉词典、德汉大词典、俄汉大词典等),如果同时要学习其他语种,也可增带有关的词典;

2、最新出版的有关所去国语言、语法书或教材;

3、自己喜爱的可反复阅读的有关图书;

4、录音机或复读机、照相机等,胶卷可多带,国内胶卷便宜;

5、便宜而有特色的小礼品;

6、中国信封和邮票(可将家信托回国的朋友或熟人带到北京或上海寄发,既节省费用也节省时间)。

四、其他生活用品

如自己祖房做饭,需携带:

1、小电饭锅一只,主要做米饭用;

2、大菜刀一把;

3、筷子一打;

4、茶叶、调味品等;

5、小腰包一只,方便出门放护照等用品;

6、旅行箱大小各一只,手提箱不能过大,否则上飞机会受到限制;

7、国内亲友通讯录。

大家初到国外如何有什么论文或者作业自己没时间写作的同学可以来我们留学生essay代写网哦!我们一定会为你带来最合适的essay代写服务。

英国伦敦大学coursework怎么写|coursework写法介绍

英国伦敦大学coursework怎么写?很多同学在初到国外留学的时候不知道coursework格式和写法?导致了很多同学在coursework上吃了亏,留学生essay代写网就来为大家讲解一下英国伦敦大学coursework怎么写|coursework写法介绍:

英国伦敦大学coursework怎么写|coursework写法介绍

第一章

问题的背景

手机支付是肯尼亚旅游网的原创产品之一,它是一项手机转账服务,使旅游网用户可以与手机网络下的任何用户进行资金的支出和接收。这项服务由沃达丰公司承担发展的。沃达丰公司持有旅游网35%的股份。”M”代表的是手机,” Pesa”在斯瓦希里语中代表的钱。自从2007年3月份引进以来,手机支付系统广受欢迎,带动了无银行账户用户的剧增,也使得这一应用在全国范围内取得巨大成功。例如,从2007年3月份到2008年9月,手机支付个人对个人转账金额已达到540亿先令,仅仅去年12月份就额外增加了140亿先令。手机支付平台的应用不仅仅只是一个成就而已。如今,你可以用你的手机来打车,支付电费,也可以不用插卡甚至无需银行账户便可从自动取款机中取出钱。当然,这也给银行业带来了不安。但这毫无意义,因为大部分肯尼亚人居住在较偏远的地区,周边很少有银行,所以无法使用银行的相关服务。

CHAPETER 1

BACKGROUND OF THE PROBLEM

M-Pesa is one of the ingenious innovation products of Safari- com Kenya, it is a mobile money transfer that enables Safari-com subscribers to send and receive money to anyone of the mobile network. It was developed by Vodafone, which holds a 35% share in Safari-com. The “M” stands for mobile. Pesa is Swahili for money. Since its introduction in March of 2007, the M-PESA money transfer system has seen its popularity with the un-banked population surge, making the application a great success all over the country. For example, between March 2007 and September 2008, M-pesa person to person transfers hit the Sh54 billion mark with December alone last year accounting for an additional Sh14 billion. To call M-PESA a success would be an understatement. Today you can use your phone to pay for cab rides and electricity, to get money out of ATMs without owning an ATM card or even having a traditional bank account. This has caused jitters in the banking industry. It is worthy noting here that most of the Kenya’s live in local remote areas and do not have access to banking services.

The M-PESA service does not require users to have bank accounts. All they need to do is register at an authorized M-PESA agent by providing their Safari-com mobile number and their identification card. Once registered, the user can buy digital funds at any M-Pesa agent and send that electronic cash to any other mobile phone user in Kenya by SMS. Recipients can either redeem this for conventional cash at M-Pesa agent outlets or buy Safari-com airtime for themselves and other subscribers. An M-Pesa-enabled mobile phone can also function as an electronic wallet, holding up to €500 (50,000 Kenyan shillings).

The service has lowered transaction costs for users in terms of money, time and risk. An urban dweller that used to send money to his nuclear family, other relatives or anyone else using the post office, bus services or friends traveling home can now remit funds quickly and safely for a small fee. The recipient can then obtain cash using an M-pesa agent of choice. The service is being used to make payments for lower value goods and services, thus increasing the velocity of business. You can haggle with a hawker on the street and make an electronic payment for whatever you buy.
Instead of traveling upcountry to pay school fees or cater for unforeseen expenses, parents can now agree with friends or teachers to make payments on their behalf after getting the money transferred electronically to them. People who were too poor to open a bank account can now have a transaction account at their disposal. Only about 2 million Kenyans have bank accounts out of a population of around 36 million. Therefore, the potential to broaden access to financial services is massive.Though the product has is clearly gained prominence among the low income earners, high income earners Small and medium organizations it has not gone down well with the major Banking key players who are opposing it.90% of Kenyans do not have an account in a regular bank. Across Africa, only 20% of families have formal bank accounts, according to a World Bank survey. In Tanzania the percentage is as low as 5%, and in Liberia 15%. But the proliferation of mobile telephone services around the continent has opened a new way to extend financial service

1.1 Research questions

What are the financial needs that M-Pesa meets as an agent of money transfer?

Is the M-Pesa product reliable and accessible in meeting the financial needs in Kenya?

1.2 Research Objectives

1. To find out the effects/ contributions of M-Pesa as a product of Safari com to society

2. Find out the impacts of M-Pesa in the banking sector in Kenya

3. To find out who are the main population segments targeted by M-Pesa product in Kenya

4. To find out the methodologies used by Safari com as an M-Pesa provider to satisfy customers needs

理性研究——RATIONALE OF THE RESEARCH

Known as M-pesa, or mobile money, the service is expected to revolutionize banking in a country where more than 80% of people are excluded from the formal financial sector.

Apart from transferring cash; a service much in demand among urban Kenyans supporting relatives in rural areas, customers of the Safaricom network will be able to keep up to 50,000 shillings (£370) in a “virtual account” on their handsets.

Mobile phone growth in Kenya, as in most of Africa, has been remarkable, even among the rural poor. In June 1999 Kenya had 15,000 mobile subscribers. Today it has nearly 8 million out of a population of 35 million.
In time, M-pesa will allow people to borrow and repay money, and make purchases. Companies will be able to pay salaries directly into workers’ phones; something that has already attracted the interest of larger employers, such as the tea companies, whose workers often have to be paid in cash as they do not have bank accounts.

The M-pesa project is being watched closely by mobile operators around the world as a way of targeting the multibillion pound international cash transfer industry long dominated by companies such as Western Union and Money gram. According to the World Bank, remittances sent from nearly 200 million migrant workers to developing countries totalled £102bn in the year 2007. The GSM Association, which represents more than 700 mobile operators worldwide, believes this could quadruple by 2012 if transfers by SMS become the norm. Vodafone has entered a partnership with Citigroup that would soon allow Kenyans in the UK to send money home via text message. The charge for sending £50 is expected to be about £3, less than a third of what some traditional services charge.

SME’s in Kenya are making use of M-pesa. This is mainly because the service has been found to be liquid, flexible, acceptable, safe and reliable. M-pesa has also had an impact on microfinance institutions since members send virtual funds to their group leader, and the group leaders give the funds to the microfinance organization.

Users can send between 100 Kenyan shillings ($1.5) and 35,000 shillings ($530) via a text message to a desired recipient; even someone using a different mobile network. The recipient then can obtain the cash from a Safaricom agent by entering a secret code and showing personal identification.

M-pesa gives people too much access (24/7) to their cash which could undermine saving culture. Analysis shows that the M-PESA-based cash transfers

出国留学先做这些事

出国留学生到了国外先做什么呢?很多同学到了国外却不知道怎么做,下面为大家介绍一下出国留学以后需要先做好的事。

出国留学先做这些事

一、非常熟悉所在的城市

在一个学校留学,绝对不能把自己就限制在学校里面,否则这种生活就太单调了。应当在几年的时间里面在整个城市都转遍。例如城市里面的名胜古迹,商业中心,娱乐中心,自然景观都应当是非常熟悉的。这一方面能够增强自己对这个城市的归属感,另外一方面也能找到和当地人交流的很多共同点。否则对外边的世界非常不了解,是很可怕的。

二、参加一些自己喜欢的社团

留学生活虽然很忙,但是参与一些有意义的社团活动是很有必要的。无论是体育俱乐部还是文艺表演,或者是社区活动等,都特别的好。很多学校或者项目都组织学生参加这类的活动,为的就是促进同学之间的关系,提高学生对周边社会的一些认同。而且认识人多了,交流也会增多,对自己的语言能力也是一个促进。

三、背包去环游留学的国家

在美国和加拿大的留学学生在暑假分成两类,一类是绝对会在美国和加拿大呆着不回来,因为夏天是这两个国家最好的时候,正在尽兴旅行。而另一类是一定要回国的。其实对于后一类学生,如果能晚回来一两个月,好好在当地旅行,这是一个很不错的选择。

四、多参与公司举办的招聘宣传会

参加这类的招聘宣传会,不代表你就真的能进入开宣传会的公司了,而是你有机会通过宣传会对整个行业有一个了解。

五、多参加同学的聚会

因为这是当地人的一种生活方式,而且大家在喝点酒之后,彼此关系会走的很近,话也会说多,很容易就产生不错的友谊。

如何开始写一篇英文论文|墨尔本代写介绍

很多留学墨尔本的同学在写作论文之前都不知道如何准备写作论文,很多同学因此找了一些代写,但是很多代写都不是那么的可靠,为了方便大家写作英文论文和找到合适的代写,本文将为大家一一介绍。

如何开始写一篇英文论文|墨尔本代写介绍
第一步,大量阅读英文学术论文
质变引起量变。当时,一个博士师兄给了我一篇Nature论文。我十分感兴趣,读完这篇之后一口气顺藤摸瓜读了很多相关文章。一个月内,我每天打印两到三篇文章带在身上以便去自习时仔细研读,并做好笔记。一个月下来,几十页的笔记积淀下来。于是,当我产生想法把这写成一篇论文的时候,原材料就有了。

第二步,大概框架搭建(金字塔原理)
先把论文的骨架搭建起来,而不是想到哪儿写到哪儿。当时我有了几十页的笔记,虽然都是有用的信息,但是杂乱无章。于是我尝试运用金字塔原理(金字塔原理 (豆瓣)。金字塔原理是由明托大师发明的一种思维写作方式。其中心思想如下:

每一层次的思想观点必须是低一层次思想的概括
每一组的思想观点必须在逻辑上属于同一范畴
每一组思想观点必须符合逻辑顺序

遵照这一思想,我先确定我论文的主题。然后寻找几个支持主题的论点,再在论点下提供分论点。后来PhD的Academic Writing课程上称之为Bullet Points。

第三步,填充数据文献,资料
将各种资料填充入分论点部分。很多时候我会从别人的文章直接copy段落,以后再做修改以避免抄袭嫌疑(此时记下文献来源)。这步之后,你的文章毛坯子已经有了。

第四步,理顺段落关系,语句修改
也就是承上启下的句子。大致就是些口水话。推荐的方法就是从别人的文章里摘抄漂亮实用的句式和词语。这部分需要长期的文献阅读和留心积累。本科时,老师经常给我讲我们学校某院士年轻时经常把别人论文里的句式抄成小字条,随身带着,不时翻看,等到他写文章时,先用中文写好,翻译成英文时,直接套进那些记下的固定句式里。PS: 为了避免抄袭,paraphrase之后请记得写好reference。

举一些语句方面的栗子吧。
1. 少用主动语态,多用被动语态。
2. 同一段落时态注意一致,多为过去时。
3. 一个句子不要以阿拉伯数字开头。
4. 不管你是几个人,最好用we, 而不是I.
5. 句子与句子之间,多用连接词承前启后(however, therefore, additionally, moreover, furthermore, )
6. 用一些高级词汇。important太不大气了,significant稍微好点,高手都用essential,pivotal。能用due to,就别用because之类的。widely used 就不如ubiquitously used帅气。About/around跟approximately比起来也相形见绌。当然词汇不是越高级越好,注意上下文的语境,合适最重要。

加拿大作业代写|加拿大essay写作技巧

留学essay要学会挖掘出好的观点,表现出幽默和自信,将自己坦率的性格展现在招生官眼前,招生官希望看到的是一个诚实自然的人,而不是带着做作的面具,当然,这就需要学会如何去展现,虽然一纸文书看不出什么,但人总是凭着某些表面的东西去看待事物,这也无法避免,下面介绍一下加拿大Essay写作技巧。
加拿大作业代写|加拿大essay代写
加拿大Essay写作技巧:理解题目要求
这是写好一篇Essay的基本要求,如果你连题目要求都没理解正确,那么即使Essay写得再精彩也是白搭。比如,一般学校会问你为什么选择这个专业?如果你在Essay写仅仅是因为它的排名,或者是你父母希望你申请,那么这些理由很难吸引人。51due代写建议,你需要挖掘更深层次的原因,先要真正的去了解这所学校,同时更好的认识你自己。

加拿大Essay写作技巧:文章开头和结尾要有创意
加拿大大学的教授每年翻阅无数的Essay,怎么才能让他们对一个人的Essay有兴趣呢?一个引人入胜的开头无疑使他们产生对这篇Essay的好奇心。因此,在写Essay要尽量避免平铺直叙的开头,而是采用一些情景型,对话型或者回忆型的方式以引出下面的文章,这样的写法,无疑给你的文章增加了许多亮点。开头很新颖,内容很充实,一旦结尾平凡,那么这篇Essay就会被大打折扣,因此言简意赅的精彩结尾也是至关重要的,如果能做到首尾呼应自然会给阅读者留下深刻的印象。

加拿大Essay写作技巧:巧妙选择题材内容
好的开头和结尾只是形式美化,重要的是内容。如何让加拿大大学的教授通过阅读一篇Essay而认识一个人呢?这就要看如何这篇Essay如何取材了。=不能笼统说在学习或者工作中遇到了多么大的挑战,而是应该具体地叙述那是什么样的挑战,而我们又是如何做的,同时又带给我们什么样的影响,这是关键所在。下面是一些可选的方面。

家庭背景。你可以讲述这些与你朝夕相处的人是如何影响你、激励你,同时你的性格,你的价值观,甚至你的职业目标都可能是在这样潜移默化的熏陶下形成的。
国际交流的经历。如果你有这样的国际交流经历,那么对你来说是极为有利的。因为申请委员会对这个方面是感兴趣的,他们想知道你从中学到了什么异国的文化?
兴趣爱好。这个题材可以选择的内容是比较广泛的。如果你有一些特殊方面的才能,你要尽可能在文章中提到。

浏览一下别人的优秀文书,也能窥到有用的信息,激发自己的灵感,而且看问题的角度往往局限人的思维,拓展思维应当借助别人的思想,当然,除了这一点,学会考虑文章每一部分,确定自己的方向。

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