Different Payment Methods In The Hotel Industry Finance Essay

Different Payment Methods In The Hotel Industry Finance Essay The forms of payment accepted in hotels have changed over the years. Most hotels still accept a variety of methods of payment mainly so as to provide a service to their clients and to generate additional earnings through exchange. A large number of independent travellers now use some form of credit or charge card. Hotels are now very familiar with a wide range of cards, often with dual ownership (e.g. the HCIMA have their own version of Barclaycard). There will always be a number of other transactions within the hotel regardless of the method of payment. These transactions will often be paid through a number of other methods. Upon departure, guests can settle their account in one of a number of different ways: †¢Ã¢â€š ¬Ã‚  Cash †¢Ã¢â€š ¬Ã‚  Foreign currency †¢Ã¢â€š ¬Ã‚  Cheque †¢Ã¢â€š ¬Ã‚  Travellers cheque †¢Ã¢â€š ¬Ã‚  Foreign cheque †¢Ã¢â€š ¬Ã‚  Debit card †¢Ã¢â€š ¬Ã‚  Credit card †¢Ã¢â€š ¬Ã‚  Charge card †¢Ã¢â€š ¬Ã‚  Ledger payment †¢Ã¢â€š ¬Ã‚  Voucher (e.g. travel agent, A TO). In dealing with each of these methods of payment, the hotelier must assess the impact of three major factors: liquidity, security and worth. Liquidity It is advantageous to the hotel if the account is paid in cash, as the hotel can immediately use the money to purchase goods itself, or bank the money and earn interest on it. Payment by ledger, however, will take much longer perhaps as much as two or three months may pass before the money can be re-used in the business. 2. Security The two sides to security are as follows: †¢Ã¢â€š ¬Ã‚   The likelihood of forgery or fraud by each of the payment methods. †¢Ã¢â€š ¬Ã‚  The subsequent risk of theft once the hotel has the money. Payment by cheque is a greater security risk than accepting cash in Payment of the account. It would be difficult to trace stolen Currency if the hotel was robbed and cheques would unlikely is taken as they wont be of any value to a thief. Worth The total amount of money the hotel receives in payment will not be the same in every case. Handling charges, commission and delays in payment will cost the hotel money. But because of The extra commission, accepting payment in foreign currency will usually mean that when guests use this method of payment, the hotel gains an extra profit. Table 9.1 shows that the profitability of the hotel may be affected by the variety of payment methods used by the guests Method of Payment Security Liquidity Worth Cash The risk of loosing cash through theft is high, but the risk of forgery is low. Immediate 100 % Foreign currency The risk of loosing foreign currency through theft is high, but the risk of forgery is low. 1 Day 102 % Cheque Cheques carry a high risk of fraud e.g. non-payment. If security checks are carried out, risk of theft is low. 3 Days 98 % Travellers cheque Safe method of payment if control checks are carried out properly. Low risk of forgery. 4 Days 98 % Debit Card Safe method of payment if control checks are carried out properly. Low risk of forgery. 3 Days 99 % Credit card Safe method of payment if control checks are carried out properly. Low risk of forgery 3 Days 96 % Charge card Safe method of payment if control checks are carried out properly. Low risk of forgery 3 Days 96 % Ledger payment If creditworthiness is established before hand, it is a safe method of payment, however there is always a risk of non-payment of accounts 30 Days 98 % Voucher (e.g. travel agent, A TO) If creditworthiness is established before hand, it is a safe method of payment, however there is always a risk of non-payment of accounts 60 Days 89 % Table 9.1 Security, Liquidity and Worth of the various methods of payment Cheques Payment by cheque use to be one of the most common methods of payment. It reflected the decline of payment method in cash in recent years. Cheque guarantee cards guarantee the payment of the cheque to an agreed amount (usually  £50 or  £100). But there are a few simple rules that needto be followed. The guarantee provided by cheques guarantee cards are: †¢Ã¢â€š ¬Ã‚  Only one cheque is used per transaction †¢Ã¢â€š ¬Ã‚  It is signed in the presence of the cashier †¢Ã¢â€š ¬Ã‚  The bank code on the cheque and the guarantee card agree †¢Ã¢â€š ¬Ã‚  The card number is written on the reverse side of the cheque †¢Ã¢â€š ¬Ã‚  The card has not expired. A bank does not guarantee to honor a transaction where an account of is paid by issuing two cheques of  £50. The transaction is changed to a cash one by putting the card number on the back of the cheque. The customer will then not be able to stop the cheque later. It is crucial that the cashier watches the customer sign the cheque and then compares to the signatures carefully as to establish their similarity. Listed below are factors that need to be look into when handling cheques guarantee cards. 1. Code Number The bank sorting code number must agree with the code of the issuing cheque. 2. Card Number The card number is written on the reverse of the cheque by the accepting cashier. It does not correspond to any other number on the cheque. Expiry Date The card will not be valid if it is out of date. Signature The signature must be checked against the signature written on the back of the cheque. The card should be examined to make sure that the signature panel has not been tampered with. Crossed cheques are now mostly issued and therefore have to be paid into a bank account. With the signature of the payee at the back, it can be reassigned to a third party. In the case where a third party cheque is returned, the hotel has to contact the original drawer of the cheque to obtain settlement. It is for this reason that hotels do not accept third party cheques. Date When accepting a cheque, the cashier should check a number of points, one of the most important being the date. A cheque that has a date in the future on it (a post-dated cheque) will not become valid until that date. A cheque more than six months old (stale) is no longer valid. Crossing Cheques The two most important rules about crossing cheques are as follows: †¢Ã¢â€š ¬Ã‚  A/c payee: this means that the cheque can only be paid into the account of the person nominated. It cannot be assigned to a third party. This is useful for cheques sent by post. †¢Ã¢â€š ¬Ã‚  Not to exceed xxx: this is crossing establishes a maximum Value to the cheque and guards against fraud by making it more difficult to change the amount payable. Travelers Cheque Travelers cheques (Fig 9.4) are issued in fixed denominations by major banks, travel agents and now building societies throughout the world. The customer will need to purchase them (before leaving home) using their own currency, or in the currency of the country being visited. These cheques need to be signed when purchased. The serial numbers are then noted by the issuing bank cashier. A service charge of 1% is normally paid to the bank by the customer. It covers insurance against loss or theft. The issuing company will repay the customer within 24 hours should the travellers cheques be stolen. It is for this reason that travellers cheques are found to be much more secure than currency. It is essential that the cashier should watch the guest sign and date the cheque when accepting these cheques. Should there be any doubt or irregularities about the signature, the customer can be asked to sign on the reverse of the cheque. Proof of identity can also be verified by asking the guest to produce their passport before accepting the travellers cheque. Debit Cards, Credit Cards and Charge Cards Debit Cards The common alternative to cheques nowadays is debit cards such as Switch and Delta. The way that it works is similar to that of cheque whereby the outstanding sum is taken directly from the clients account. But the transfer is through an electronic point-of sale and no cheque is necessary. The cashier and the payer will receive a slip notifying them of the details of the payment. This is usually the same card that is used to guarantee a cheque or withdraw money from a cash point. Bank Credit Cards Visa and Access are the two major bank credit cards in the UK. These cards are usually issued for free and customers need not to pay for any annual subscription. The customer uses the card to purchase goods and services by signing a sales voucher for the total amount of the account. The card company will send a statement to the customer with information of all the transactions of the month before. The customer has the choice to pay the total owing or only a proportion of it. The rest of it may be paid over a period of time. As the cards constitute a form of credit, the minimum payment is fixed by the government. The customer will receive a personal credit limit which must not be exceeded in any one month. Visa is an internationally recognized name, and while most countries use an additional name (e.g. Barclaycard in the UK; Carte Bleu in France), all cards carry the name Visa and bear the distinctive blue, white and gold stripe logo (Fig. 9.5).

Nurse Leader Essay

Nursing leaders are crucial to any nursing organization. They motivate, empower, influence, and communicate the organization’s vision to create change within the organization. Respectable nursing depends on noble nursing leaders. This paper will highlight Florence Nightingale nursing leadership and describe her leadership characteristics. It will further depict the democratic style Florence Nightingale utilized throughout her career. Florence Nightingale was not only a nurse, she was a researcher, educator, and theorist. Her contributions to nursing and society are numerous. Florence Nightingale has been referred to as the â€Å"mother of modern nursing† (Johnson & Webber, 2005). Through her work and example, nursing became a respectable profession for women. She collected data through observation and research and applied that knowledge to social reform on the issues of public and military health and sanitation at home and abroad, rural hygiene, hospital planning, organization, and administration, rights of women and the poor, the definition of nursing, and the need for trained nurses and midwives to care for people in workhouses, hospitals, schools, penitentiaries, the military, and at home (Wellman, 1999). Due to the nature of her work and her commitment to improved patient outcomes by developing best practices based on observation and research, she should be considered the first public health nurse and champion of Evidence Based Practice. She is responsible for initiating the professional education of woman in nursing outside of the sisterhood and promoting their employment in hospitals and workhouses throughout England and abroad Florence Nightingale was a theorist. She developed her Environmental Model in 1859 and titled it Notes on Nursing: What It Is and What It Is Not based on her observations and experiences while treating the soldiers during the war (Johnson & Webber, 2005). Nightingale wrote: In watching disease, both in private houses and in public hospitals, the thing which strikes the experienced observer most forcibly is this, that the symptoms or the sufferings generally considered to be inevitable and incident to the disease are very often not symptoms of the disease at all, but of something quite different- of the want of fresh air, or of light, or of warmth, or of quiet, or of cleanliness, or of punctuality and care in the administration of diet, of each or of all of these (Nightingale, 1860, p. 2). Florence wrote these notes on practice, not intending them to be a manual on nursing, but ideas or women who take care of others because she felt that at some point, nearly every woman nursed somebody in her charge and it was up to them to manipulate the environment to help nature take its course (Nightingale, 1860). Her model includes 13 constructs with recommendations on implementing them. They are: ventilation and warming, health of houses, petty management, noise, variety, taking food, what food, bed and bedding, light, cleanliness of rooms and walls, personal cleanliness, chattering hopes and advises, and observation of the sick (Nightingale, 1860). Although Nightingale did not intend for her writings to become a teaching manual for nurses, her ideas were clearly applicable to teaching nurses how to care for the patient environment and was eventually used in her school to do just that (Johnson & Weber, 2005). Some of her hints on nursing are still applicable to practice today. They represent a holistic view of nursing by addressing the physical, mental, and social aspects of the patient environment. For instance, cleanliness of air, water, home, linen, and person are still important and helpful in preventing disease and promoting health. Also, adequate nutrition and sunlight are necessary for proper bodily function. Excessive noise and lack of variety can be harmful to mental health and must be remedied. Lastly, as nurses we still observe the sick, keep track of their vital signs, likes and dislikes, and monitor changes in their condition. All of this we record in the patient’s chart much like Nightingale did when she recorded her observations 150 years ago. Although Nightingale’s Environmental Model does not meet the guidelines of modern theory and has not spawned the same quantity of research as contemporary models, it can be said that her ideas have influenced nursing theorists and their respective models. Like all nurse theorists, Nightingale used her personal, spiritual, and educational experiences to guide her ideas (Johnson & Weber, 2005). The Living Tree of Nursing Theories was developed by nurses to illustrate the influence of Florence Nightingale on later nurse theorists. It proposes that person, environment, health, and nursing are the roots of the tree and Nightingale is the trunk supporting the branches, which are the modern theorists (Tourville & Ingalls, 2003). In essence, without Florence Nightingale’s work and ideas, nursing theory would not be the same as it is today. She created the fundamentals on which nursing theory is built. In fact, when comparing modern theories to the Nightingale Model many similarities can be appreciated. Henderson was concerned that the early nurse practice acts did not clearly cover what nursing is and therefore promoted an unsafe environment for the public. She helped define what nursing is and what it was not. Her definition reads: The unique function of the nurse is to assist the individual, sick or well, in the performance of those activities contributing to health, or its recovery (or to a peaceful death) that he would perform unaided if he had the necessary strength, will, or knowledge. And to do this in such a way as to help him gain independence as rapidly as possible (Johnson & Webber, 2005, p. 133). A direct connection can be made to Nightingale’s model if one considers the changes in societal expectations and the growth of the nursing role from doer to helper in the 100 years between when the two theories were written. Henderson promotes helping the patient achieve independence through nursing assistance that Nightingale did not. Her 14 components of nursing are similar to Nightingale’s 13. They include: breathe normally, eat and drink adequately, eliminate body wastes, move and maintain desirable postures, sleep and rest, select suitable clothing, maintain normal body temperature, keep the body clean and well groomed to protect the integument, avoid dangers in the environment and avoid injuring others, communicate with others, worship according to one’s faith, work in such a way that there is a sense of accomplishment, play or participate in various forms of recreation, and learn, discover, or satisfy the curiosity that leads to normal development and health using available health facilities (Johnson & Webber, 2005). Faye Abdellah’s theory titled, Patient-Centered Approaches, is just that, patient centered. Her 21 nursing problems are also similar to Nightingales 13 ideas and when advances in science and understanding of how the human body functions are taken into consideration a direct correlation can be established. Lastly, Sister Callista Roy’s Adaptation Model relies on the construct that the role of the nurse is to manipulate the environment to free patients so that they can adapt to other stimuli. Although this is a deviation from Nightingale’s theory, both nurses believed in the reparative process of providing the optimal environment for healing (Johnson & Webber, 2005). In conclusion, Florence Nightingale was instrumental in influencing nursing and society by opening the door for women to practice as nurses, promoting nurse education, guiding evidence based practice through her research and observations, by being a human rights advocate, and by working tirelessly to improve the health and quality of life for people throughout many nations. Florence Nightingale devoted her life in the pursuit of helping others.

Great War Assignment

This letter collection tell us about their bittersweet personal love story. The collected letters from Murray are addressed to his fiance Margaret who he was engaged to be married to. The tone in his letters are affectionate and loving. In the letters, he refers to her as â€Å"dear girl†2 â€Å"Honey girl†3 or â€Å"Girlie†4, and often tells how much he † dream[s] of [the] days†5 that they had together. For Murray, the existence of his sweet fiance Margaret was probably an emotional support on the war front. Letters from her perhaps gave him sense of certainty about their delightful future that eased his loneliness.Wellington Murray Dennis and Margaret Munroe letter, June, 1917, WWW Collection, www. Contraindicates. Ca ! Elongation Murray Dennis and Margaret Munroe letter, 20 May, 1917, WWW Collection, ! Elongation ! Elongation ! Elongation Murray Dennis and Margaret Munroe letter, July, 1917, WWW Collection, Matura's 3 The contents of his letters ex tend from everyday life on the battlefield to discussion on their relationship. He did not tell Margaret about the detailed hardships or horrors he experienced on the battlefield; this is, probably, because he did not want to make her worried or scared of losing him.Instead of sounding so concerned, he tries to think of something pleasant; â€Å"Instead of coming home to you tonight dear (as we had figured) I come â€Å"home† to a tent and in place of having you pouring out my tea and passing me delicious cakes across a clean white table cloth I get a certain issue of tea in a mess tin and I eat bread and cheese seated on the grass. â€Å"6 In this note, Murray combines reality, nostalgia, and fantasy. Together, they work as an escapism for him. In his mind, the reality of the battlefield somehow exists in parallel to happy memories and a spotless dream image.As he sipped â€Å"tea in a mess in† and eats â€Å"bread and cheese on the grass† after his duty, he remembers of going to â€Å"picnic parties†7 with Margaret back in Canada. As for nostalgia, he flashes back to her gentle way when she would pour his tea and pass him the delicious cake she made. Then fantasy plays a role in the memory. The phrase â€Å"coming home to you† represents his dream future of being married to Margaret, and â€Å"a clean white table cloth† is one example of details in his idealistic image. His daydream alters bitter ! Elongation ! Wellington Matura's 4 reality; â€Å"a tent† into the dream home, â€Å"bread and cheese seated on the grass† to delicious cakes†, and a â€Å"mess tin† to † a clean white table cloth†, believe it or not. Writing a letter to his fiance provided Murray a comforting time that he can live apart from the reality for a little while. It perhaps was a escapism for him; however, he might not had been necessary wanted to escape from the reality he was placed. Regarding the discu ssion about their relationship, it seems like Murray was having a debate in his head whether if he should have gotten married before he left Canada.In the first letter in this collection, written on May 4th, 1917, he noted it was a good session not to be married; â€Å"Still we were wise that we did not marry, no matter what our hearts prompted. â€Å"8 Perhaps, Murray thought he was saving her from having to live a lonely life by choosing not to marry her. Thus, Margaret is not forced to wait for him to be back to Canada, in addition, she would have a better chance to be marrying to another man and not live a lonely life, when Murray does not survive the war.Despite the rational decision in the beginning, he started to have mixed feeling about it because he realizes how â€Å"my[his] love [towards Margaret] has matured. 9 On July 5th 1917, he admits that he â€Å"thought it would have been better to have married [with Margaret]†10 because she might find â€Å"someone els e to help you[her] ease the burden. † 1 1 Clearly, Murray was faced with a dilemma; he wanted to establish an unshakable ! Elongation Murray Dennis and Margaret Munroe letter, 4 May, 1917, WWW Collection, ! 9 ! Elongation ! Elongation Matura's 5 connection with Margaret but Just could not let her to live a lonely life if he could not manage to survive. Not a single letters from Murray suggests that he supported or liked the war although he rarely expressed his dissatisfaction towards the warfare he was involved in. On May 4th, 1917, he reassuringly wrote in the letter â€Å"I'm [ He is] not lonesome nor downhearted†12 but he also tells Margaret that he's thinking about â€Å"what[their happy marriage] might have been had[happened] [if] this war [did] not intervened†13 in the same letter.Murray said he is not downhearted to give her sense of safety about him at the war, however, at the same time, he did not hide frustration about the war holding them back from the happy marriage. About 2 months later, he expressed his personal reflection about the war n the letter: â€Å"We had thought to be living our lives together in piece F[f]ann. how fate plays tricks with human plans. â€Å"14 Murray was amazed how the war derailed his future plans they had in mind in such an unpredictable way.As suggested in the beginning, he was an implement dealer not a career soldier; and, he probably had never thought he'd be a soldier nor supported the war. Everything 112 ! Littleton ! Eliminating ! 14 ! Elongation Matura's 6 that seemed to be real and going smoothly sank out of his sight, then his life changed dramatically. The war relocated him in a grim battlefield in an unknown country. There is no doubt that Murray was excited about what the future holds for him and Margaret.Perhaps, he tried the very best he could to survive on the battlefield, so that he can be back to his â€Å"Honey Girl†1 aback in the country. The following shows how he ended t he letter written on the letter written on July 7th, 1918; â€Å"The way you showed yourself so all mine honey girl is one of the sacred memories I have taken to France †¦ L loved you with my whole heart†¦ N[n]owe kisses and all love and honor to the mother of our children. Your faithfully Murray'16. This quote shows Murray strong love towards Margaret and it also his want to settle down and raise a family.The ending of the letter â€Å"all love and honor to the mother of our children† shows his idealistic perspective about domestic pleasure as a father and husband. This specific written on July 7th, 1918 is interesting because Murray strong feeling as never before is enclosed into the writing. Perhaps, he was afraid if he can survive as the war went on for a long time, so he tried to convince himself to live by feeling hopeful about the future. Sadly, Murray could not raise a loving family with Margaret as he desired, more pathetic still, he was killed in action o n August 9th, 1918.On November 1 lath same year, only three months later his death, the WWW ended. II 51 Elongation ! Eliminating Murray Dennis and Margaret Munroe letter, 7 July, 1918, WWW Collection, Matura's 7 After his death in France, many letters from family and friends were delivered to Margaret but not from her fiancee anymore. It seems her family and friends were teary about Murray death, at the same time, also trying to cheer her up: Oh Margaret I hardly know what to write but I want you to feel you have my sympathy despite my own feelings as yet it seems impossible to realize the truth.I have had no further correspondence but seen his dear name in the list†¦ Yours affectionately Murray Mother†17 † You know How Sorry I am for you I cannot tell you You will Just know and I know how Brave you are going to be†¦ Heaps of Love Sorrowing P[? ]e† â€Å"Only today did I hear of your great sorrow,When any one I love is in sorrow it makes my heart ache O h Dear†¦ Lovingly Elsie†18 Many of her friends and family almost immediately wrote to Margaret when they eared the sad news. This shows how much Murray was loved by people around him and the strength of their bond between family and friends.The letters were filled with thoughtful expressions of sympathy. However, it also sounded like they got used to write letter of sympathy on the death on young soldiers as there were many killed and wounded soldiers; â€Å"This is a sad time for the Wellington Murray Dennis and Margaret Munroe letter, 4 September , 1918, WWW Collection, www. Contraindicates. Ca Wellington Murray Dennis and Margaret Munroe letter, 7 September , 1918, WWW Matura's 8 people of Canada such long lists of killed & wounded coming in every day' 19.Some of the letters praised his braveness fighting his last breath for the war effort: â€Å"l know you will be proud as we are for the one who is so grand for he is not dead but sleepers†¦ Your loving niece Ge orgia†20 â€Å"Mingled with your sorrow there must – be a feeling of pride that your friend gave his life for such a noble cause†¦ Yours sincerely Ethel Radcliff†21 It appears people who lived during WWW considered being sacrificed for the war is noble and honorable. This is a twisted convention because what Murray wanted on the battlefield is to being back home and live in piece with Margaret.Battles fought, invented efficient weapons, numbers of soldiers killed or treaty that ended everything after such turbulence; those are the â€Å"facts† I learned in history or social classes. Reading the letter collection of Murray expanded brought me a different perspective to wars. Wars are not only about those â€Å"facts† and their cause and effect; there are plethora of personal stories behind them. Murray was a soldiers but, at the same time, he was young. He had a bright future ahead of him, and it has just started to shape itself.There is no reas on for me to demur at this statement. But then, there are wars still going on around the world. I wonder why, after 14 years from the beginning on 21st century, violence is still used as a last resort. I wonder if there is such a thing as ending of the use of violence. I was grown in Japan where all children receive peace education, and always thought, as a child, starting a war had disappear from options. It is sad that there are parts in the world where people are forced to live under the tension and straining situations.

Troubled Marriages The Importance Of Communication. Both

Troubled Marriages: The Importance of Communication Both Interpreter of Maladies and White Teeth leave the reader aware of the effects that troubled marriages have on the adults involved, along with the children involved. The marital problems faced by Samad in White Teeth, and by Miranda in Sexy, cause the reader to realize the importance of communication and honesty between couples. If the various couples in this story communicated openly and honestly with each other, the ensuing problems would have been avoidable and would not have resulted in events that spiraled out of control. In White Teeth, Samad is an example of a man who experiences a marriage full of issues that lead to more issues within his own personal life, along with the†¦show more content†¦This harsh, verbal beat down continues for a page and then Samad reaches that physical abusive level causing him to slap his wife who quickly shoots him with a right hook (Smith, 167). From these two pages, you can visibly see the disconnect between the couple. Instead of being sensitive towards his wife, Samad calls her names which lead to the two arguing and attempting to settle their arguments with a fist fight. This is just one of the examples from this book, that displays how important proper communication is between a husband and wife. Another scene from this book, involves a lack of communication with regards to Samad sending his son Magid back to Bangladesh, without the approval of his wife. Because of this action, he furthers himself from Alsana and creates more of a barrier between the couple, which leads Alsana to not even speak with her husband. Smith writes: Alsana had decided to stop speaking directly to her husband. Through the next eight years she would determine never to say yes to him, never to say no to him, but rather to force him to live like she did – never knowing, never being sure†¦that was her curse upon Samad, and it was exquisite revenge (178) This example furthers the previous point about communication. If Samad would have consulted his wife before sending his son to Bangladesh, a greater sense of communication has would been established between them. Instead, by not telling her, he continues to worsenShow MoreRelatedAn Ethical Dilemma in Counseling: Deciding Between Two Rights624 Words   |  3 Pagesand the counselors professional standing. Trying to determine the most right choice for a particular problem is of the utmost importance. Consider the following hypothetically complex ethical dilemma posed to a licensed professional counselor in the Christian Community. A Christian Counselor at a local church works with a married couple concerning their troubled sex life. 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