Negative Effects of Sex in Advertising - 1151 Words

Advertisers around the world face one of their biggest challenges today which is to be able to break through the massive amount of commercials and advertisements that people see each day. The average person is opportuned to see about 2,500 advertisements each day. These advertisements can be from a commercial about a detergent that makes your cloth smell really good after washing it to another commercial that is about people seeing you as a celebrity because you are driving a certain brand of vehicle. So how can these advertisers differentiate themselves from the other commercials that you see everyday? They simply use sex. Sex in advertising can be defined as the use of any type of sexual imagery to draw the interest of the consumer to buying a particular product or service. The use of sex in advertising as mentioned earlier is said to have boasted a lot company’s revenues, but it also has its negative side which has caused a lot of problems in societies around the world. The idea of using sex in advertising is a very smart way that advertisers use to gain attention of consumers, but it has its negative effects like depicting women as sex objects, forcing sexual innuendos on children, causing body dissatisfaction among youths even adults and it also attracts negative backlash on the companies that use it. It can attract the wrong kind of attention and sometimes it wont lead to the company becoming a bigger and better brand. First, sex in advertising has been proven toShow MoreRelatedThe Problem About Using Sex in Advertisements Essay1269 Words   |  6 PagesAdvertising is an important form of communication between products and customers. How to get viewers’ attention is first thing need to consider for advertising. Sexual appeal is become very useful tool in advertising, and it use is increasing. The sex appeal has a very long history, the first sex appeal advertising was introduced in 1911 by Woodbury’s Facial Soap (Campaign,2014). Once this advertising is released it has caused an enormous controversy, it is considered so risquà © and inappropriateRead More Humor Should Replace Sex in Media Advertising Essay1601 Words   |  7 PagesHumor Should Replace Sex in Advertising   Ã‚  Ã‚   In todays society, we as consumers are exposed to media on a daily basis. Beginning the day with a glance at the daily newspaper and finishing the evening with a television program, the average person cannot escape the clutches of the media in its seemingly endless forms. Along with presenting objective information that includes local news, weather, and sports, a main function of modern media is advertising.    Two effective methods of catchingRead MoreSex Should Not Sell865 Words   |  4 PagesSex should not sell Do not ever underestimate the persuasive influential power, of gorgeous women with more cleavage, or the power of a gentleman with a muscular body, to increase the consumer’s consumption. Tom Reichert in his book â€Å"The Erotic History of Advertising† emphasizes the idea that sometimes this frequent use of the sex sells technique increases some consumer interest and builds a strong brand identity (Reichert). In fact, Sex was used to advertisements since the 1900’s when theRead MoreGender Portrayal Of Gender Roles953 Words   |  4 PagesCollins, 2011). This gender stereotyping effect is especially prevalent within advertising. Because advertisements in the media frequently rely on gender roles to promote products and services (Eisend, 2010), research examining the effects of gender portrayals in advertising has become increasingly important in the social and behavioral sciences. Of particular significance to marketing professionals is the influence of gender stereotyping on perceived advertising effectiveness. Understanding how consumersRead MoreSex in Advertising1358 Words   |  6 PagesSex in Advertising I chose sex in advertising for my research topic because I do not know about it well, even though a lot of sexual images and texts in advertisements. When I was a little kid, I often surprised by ads with sexy woman. Even now, I sometimes have my eyes glued to such kinds of advertising. I wonder that there are some physiological reasons why people pay attention to sex images. Also, learning about sex in advertising is useful for my career because I want to work for an advertisingRead MoreHow Is Mass Media Effecting This Generations Sexuality?663 Words   |  3 Pageschild, I did not notice the sex reference to pornographic magazines in the show Ed, Edd, and Eddy, 2003.) Not only is TV causing adolescents to become more curious but it is also influencing ideas about what is normal and expected during sexual activity (Kittleson 74). Because the way sex is present on TV, adolescents depict it as an activity without risks or consequences. Adolescents become oblivious to unplanned pregnancy, sexually transmitted diseases, and even sex addiction. It was until recentRead MoreCritique on Advertising in Our Society1034 Words   |  5 PagesCritique On Advertising In Our Society A critique on the impact of advertising in our society. Consider visuals and verbal or written language. (1000 words) The impact of advertising on our society is a fiercely debated topic, and has been ever since the conception of advertising in its most basic form. There are negative and positive social and economic impacts upon society from advertising in its various forms. For instance, advertising promoting public welfare has a positive social impactRead MoreThe Effects Of Media On Gay Male Body Image1209 Words   |  5 Pages7) Lanzieri, N., Hildebrandt, T., (2015). Using Objectification Theory to Examine the Effects of Media on Gay Male Body Image. Clinical Social Work Journal, 44(1), 105-113. The existing studies have indicated the gay male adults are more likely to develop body image dissatisfaction than other male populations due to variety of social and culture elements—particularly in media. Lanzieri and Hildebrand argued that gay media sources had produced the ideal male physique that negatively impact on itsRead MoreThe Advertisement Of The Super Bowl1192 Words   |  5 Pagesamount of money that advertising companies spend on these ads, it seems that they should do something that would be more attention-grabbing. In reality, this advertising technique is one of the most effective ways for corporations to sell their products. Humans naturally notice sexual behavior, so when advertisements present a product in a sexual way on television, consumers are much more likely to remember it or buy it in the future (Reese Sorrow). Though sex in advertising has been shown to successfullyRead MoreThe Effect Of Explicit Sexualstimuli On The Brand Name Recall1412 Words   |  6 Pagesoldstudents, such stimuli was found to exert a negative effect on messagecomprehension among this population segment when there is a substantialvolume of information available for processing (Severn, Belch, and Belch,199 , pp. Do the advertisements that you have seen that includedmembers of the opposite sex make you want to do anything in particular? Did the advertisements that included members of theopposite sex make you think differently about that sex than you havethought before seeing the advertisements

The Success Of E Business - 1434 Words

Despite the dot.com collapse, there remains a strong belief that e-business – with its resurgent potential for creating new transactional opportunities between firms, suppliers, complementary product/service providers and customers – will ultimately contribute significantly to the future performance of many established firms. A number of impressive examples come to mind: Tesco in the UK, Otto Versand in Germany, and Dell Computers and Cisco Systems in the US.1 For organizations such as these, e-business is more than a tool but part of a deeply held strategic disposition that enables them to outperform the competition.2 Yet, in spite of these high-profile success stories many other similarly situated firms have failed to duplicate these†¦show more content†¦Both questions are of practical importance because they tap into the organizational reasoning that takes place to explicate and justify e-business applications. Unraveling this reasoning is also of theoretica l importance to the information technology (IT) literature in that it underlies the extent to which organizational success is determined by strategy content and/or process.3 Although intuitively linked to one another, the content and process perspectives have evolved independently (see Rajagopalan and Spreitzer (1996) for an extensive review). For example, a large body of content research shows that various structural considerations influence performance. These antecedents are both external and internal to the firm. The former is defined by economic, technological, political and competitive forces (Pettigrew, 1992) and the later by core competencies (Hamel and Prahalad, 1994) and dynamic capabilities (Teece et al., 1997). Both the external and internal schools of thought have been used to explain variation in IT-related performance (e.g., Porter, 2001; Wade and Holland, 2004). The process school of thought is concerned with those activities leading to and supporting a choice of strategy (Huff and Reger, 1987) and its implementation (Thompson and Strickland, 2001). Explaining how strategy should be executed is the role of process research. This approach seeks the richness of a more

Arrow and the Song free essay sample

Arrow and the Song Henry Wadsworth Longfellow’s poem, â€Å"Arrow and the Song† is a lyric poem giving an inspiration to a relationship or a friendship between two or more people. It includes analogies, symbolism, vivid imagery, and repetition to help convey what he is trying to reach to the audience The poem is made up of three stanzas of quatrain, and it’s an end rhyme consists of aabb ccdd throughout the poem. Its lyrical type of poem, expresses his emotions about the arrow and the song. Longfellow represents the â€Å"arrow† a friendship, because like â€Å"arrow† it will last forever even though there are difficult problems both have to face. In the first stanza, â€Å"It fell to earth, I knew not where† this symbolizes the start of a conflict between two people. He is trying to reach it, but missed that chance, and now it’s gone. In the second stanza, Longfellow represents memories like a song or his feelings that troubled him. We will write a custom essay sample on Arrow and the Song or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page But the first stanza and the second stanza both have in similarities, as one can refer as a repetition â€Å"I shot an arrow† (1), â€Å"I breathed a song† (5), â€Å"It fell to earth I knew not where†, and â€Å"For.. , leaves me believe that both the arrow and the song both symbolizes the love and feelings. Another symbolism can be found in the last stanza the â€Å"oak†, it symbolize a strong, solid image to present a person’s soul. Even though he had lost the arrow for some time, he found it still â€Å"unbroke†. Just like in a friendship it cannot be broken down and pull apart no matter what how hard the situation. They are always being there and for that to keep it they need to treasure it.

Yoga eight laps. Omnio training technology. The sequences of zero cycle Review Essay Example

Yoga eight laps. Omnio training technology. The sequences of zero cycle Review Paper Essay on Yoga eight laps. Omnio training technology. The sequences of zero cycle A.Sidersky considered one of the most respected gurus of yoga in Russia. He has his own school, he often travels around the country with seminars. And understand the reason for the great popularity of Sidersky help it is this book. The very cover of the book throws us a call, the author seems to be saying, I could, and now it is your turn, and this is not the limit. People practicing yoga can be divided into two groups: a) people are willing to improve physical health (in other words taking as a basis only of Hatha yoga), b) a special type of people taking yoga as per their religion, the people involved and meditation, totally immersed in the teachings. Both groups of people will be able to learn for themselves the new from this book. The first half of the book is devoted to the theory, there is a lot of exercise, spiritual practice, and Im reading all these thoughts was amazed how everything is difficult there. To understand the yoga it must be very diligent person. The second part of the book is devoted hatha ie physical complex. They are represented by a huge amount, with detailed illustrations. We will write a custom essay sample on Yoga eight laps. Omnio training technology. The sequences of zero cycle Review specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Yoga eight laps. Omnio training technology. The sequences of zero cycle Review specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Yoga eight laps. Omnio training technology. The sequences of zero cycle Review specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Personally, I count myself among the people of the first category, and my friend a real yoga guru and we were both happy with this book. So if you want to learn more about yoga exercises, the best reference you just do not find. But still still for beginners, I would advise people to use the Boyko Victor S. Yoga. Hidden aspects of the practice. A review of the book wait, but now I can briefly say that Boyko describes a more understandable language without going into the wilds of the teachings in the book presents one of the best systems for beginners. And finally (this is of course my opinion), but still. I do yoga (albeit intermittently) for two years already. Start doing asanas, most importantly do not be discouraged. We all have different flexibility and what is shown in the pictures it is an ideal meet the following and youll be far from the picture, but it will take a month and you will be happy to see the results of practice. and better engaged in the classroom, or at least with a partner. The most important thing in practice, they are giving the confidence and peace of mind. I hope this review will reveal the wonderful world of Yoga. For all questions, please contact me in PM. I can give you a brief tips from the knowledge that I have learned.

Nuclear Power Essays (1313 words) - Nuclear Technology,

Nuclear Power We use many sources of energy. One of our major sources is oil. Oil has been around for a long time. It is used in lamps, and it is refined into gas. Plastic products are also made from oil. From the 1900s and up oil has been used mostly in cars and boats. Oil is the most used natural resource we use (ChemCom 155). It is used the most because it is easy to find. The next most used source is nuclear energy. Nuclear power plants started to emerge in the 1950s. Russia had the first power plant (Keeler 39). Nuclear power plants are safe and very clean. Nuclear power is also very efficient. For every one million people in a city a nuclear power plant only needs 3 kilograms of uranium (Keeler 39). The third power source is natural gas. Natural gas is used in many household products. The main product in the house is the furnace. Practically all home furnaces run on natural gas. The second thing in the house that could be run by natural gas is the stove and oven. Many homes have gas burners and gas stoves , but there are some homes that use electricity for the stove and oven. The next product is water heaters. Water heaters burn natural gas to heat water. The main reason we use oil so much is because it is used in many things we use. Oil is used in cars, and it is refined into gasoline. The most important reason we use oil so much is because it is cheap. We used coal because it was easy to get. Coal also burned for a long time. Since coal was easy to get it was sold for a very cheap price. We use nuclear power because it is clean and it produces large amounts of energy. Natural gas is the same it burns clean when it produces energy. The effects of the energy we use now are terrible. When oil is burned it produces many harmful chemicals ( ChemCom 155). These chemicals include , carbon dioxide and carbon monoxide. Both of these chemicals pollute and are harmful to people. Oil is a non-renewable rsource, Oil will start to get harder and harder to find. The oil will be expensive to find and expensive to buy. Present day sources of oil will be gone in a little over 60 years (Discovery channel, Beyond 2000). Coal is already practically gone, They dont use it because it costs too much to mine and doesnt produce enough energy to make up for the price paid to mine. Natural gas is clean and efficient. Right now there is a lot of natural gas, but it still is not renewable. That isnt enough to produce the energy made by oil or nuclear energy. Examples of energy alternatives , such as wind mills have been around for centuries. In the 1600s and 1700s wind mills were used to pump water and crush grain. At the end of the 1800s , 6 ? million farms has windmills ( keeler, 69). Now todays windmills dont pump water or crush grain, they spin turbines. Ever since the oil embargo in the 70s people have been looking for energy alternatives. Wind power is very efficient and clean. It doesnt pollute at all (Keeler , 69 ). Since technology keeps getting better, wind power gets better also. Now the most modern wind mill can generate 2500 kilowatts of energy at speeds of 45 miles an hour ( Keeler ,69). If wind get too high the wind mill shuts down automatically. Solar energy is another non polluting energy alernative. Solar energy is collected by the sun from photovallic panels ( Keeler ,69). There are many test sites for solar panels. But they are located on the desert. The electric car is the most popular energy altenative. They have started appearing in california and some other states. Electric cars have gbeen around since 1908 Studabaker automobiles produced the first electric car ( New York Times p. 5bt ), but the car died out because gas powered cars could go faster and farther that the electric car. Now electric cars can go over

Free Essays on Westminster System

A brief history of the Westminster system Page index Introduction Beginnings Parliament Cabinet Courts Introduction Britain's Westminster system of government evolved over centuries. It is the historical artefact of the Parliament's many victories over successive Sovereigns for the right to make laws; to administer them; and to have them independently interpreted. The Westminster system of responsible government and a professional independent judiciary (as it was in the late 1800's) was the most influential factor in the development of Australia's system of government. This page provides an overview of some of the more significant events which shaped the evolution of the Westminster system of government in the United Kingdom. It begins with an outline of governmental practices in Anglo-Saxon times and immediately following the Norman conquest. Beginnings In the earliest periods of recorded English history, the three (legislative, executive, and judicial) functions of government rested with the King and his Council of immediate advisers. The King was the supreme Legislator, though always with the consent and counsel of the "wise". Similarly, the King was the supreme Executive: the leader of the host in arms, the guardian of the "King's Peace". Finally, the King was the supreme Judge. With the counsel and consent of his advisers, the King made the laws; the King administered the laws; and the King interpreted these laws. What was true for the King in the twelfth century was also true for his representatives: judges, shire-reeves (or sheriffs), justices of the peace, and so on. Marriott (1938:45) notes that county-magistrates had to, for example, try offenders against the law, relieve the poor, and set on work the lusty unemployed. The functions of judges was as much financial (tax collecting) as judicial. Judges were both ma... Free Essays on Westminster System Free Essays on Westminster System A brief history of the Westminster system Page index Introduction Beginnings Parliament Cabinet Courts Introduction Britain's Westminster system of government evolved over centuries. It is the historical artefact of the Parliament's many victories over successive Sovereigns for the right to make laws; to administer them; and to have them independently interpreted. The Westminster system of responsible government and a professional independent judiciary (as it was in the late 1800's) was the most influential factor in the development of Australia's system of government. This page provides an overview of some of the more significant events which shaped the evolution of the Westminster system of government in the United Kingdom. It begins with an outline of governmental practices in Anglo-Saxon times and immediately following the Norman conquest. Beginnings In the earliest periods of recorded English history, the three (legislative, executive, and judicial) functions of government rested with the King and his Council of immediate advisers. The King was the supreme Legislator, though always with the consent and counsel of the "wise". Similarly, the King was the supreme Executive: the leader of the host in arms, the guardian of the "King's Peace". Finally, the King was the supreme Judge. With the counsel and consent of his advisers, the King made the laws; the King administered the laws; and the King interpreted these laws. What was true for the King in the twelfth century was also true for his representatives: judges, shire-reeves (or sheriffs), justices of the peace, and so on. Marriott (1938:45) notes that county-magistrates had to, for example, try offenders against the law, relieve the poor, and set on work the lusty unemployed. The functions of judges was as much financial (tax collecting) as judicial. Judges were both ma...

Comparison of Judaism and Buddhism Term Paper Example | Topics and Well Written Essays - 1000 words - 4

Comparison of Judaism and Buddhism - Term Paper Example In this covenant, Abraham and his descendants were supposed to faithfully keep the commandments of God and to worship Him, while God would be their father and would protect them from all dangers and give them the victory of their enemies. In the Abrahamic covenant, the Israelites were supposed to lead morally upright lives through obedience to God. Judaism, therefore, was founded by Abraham, the father of the Jews people, and it is centered to obedience in YHWH, the God of Abraham and the God of all Jews. On the other hand, Buddhism was founded by Siddhartha Gautama in around 566 B.C.E. Gautama was a son of an Indian kind and he spent his adolescence life and his early adult life in a life of extravagance. When he was bored with luxuries of the world, Gautama wondered into the wilderness in search of enlightenment and understanding. In his meditations on sufferings while in the wilderness, Gautama had an insight into how to free from sufferings and to achieve salvation. Following this insight, Gautama was known as Buddha, meaning the enlightened one. According to Buddhism religion, morally right actions bring about happiness and long life, while immoral actions bring about unhappiness in the long run. Apart from their similarities in regard to their moral teachings, the other two main similarities between Judaism and Buddhism is in regard to their attitude towards future life, and their views on the proselytizing their religions. Both the Judaism and Buddhism religion do not emphasize on afterlife; also, both the Judaism religion and the Buddhism religion do not proselytize their religion or their moral teachings. Judaism, as we have already said emphasize on moral uprightness in obedience to God as a way of living out the Abrahamic covenant. The Holy book of the Jews, the Torah explains clearly the right conduct that the Jews should observe in keeping with the demands of the Abrahamic covenant. The moral teachings of Judaism emphasize the need for the people to treat each other in a humane and a morally right way.

Education and Best Teacher

First out of town I was 7 years old when my family had a vacation in my mothers province, Zebu. It was in the middle of December when we go there. We celebrate Christmas together with my family and relatives. It was very fun, because it's my first time to meet my relatives there. Also there we celebrate my birthday at the same time New year. I experienced a lot in Zebu, I ride a horse, cow and other animals in my Loll's farm which is one of the memorable moments in my entire life. I describe Zebu as awesome, not Just the place but also the people out there. B. Stories that you can't forget (3) .The story of sleeping beauty. It's the story of a princess who was asleep and the thing that would makes the princess awake is a man who would kiss her. 2. The story of Juan Tama. It's the story of a man who was very lazy. Instead of picking a fruit he Just wait until it fall. 3. The story of turtle and rabbit. It's the story of a rabbit who was very confident that he was going to win in the r ace against the turtle and he Just sleep until he notice that the turtle is in the finish line and won. C. First teacher and first lesson My first teacher was my mother, she teach me different lessons when I was young.She taught me how to write, how to color, how to dance, how to sing, how to make a things with the use of clay and many more. But the important lesson that she taught to me is to how to deal well to others. She says that it is important that you have a respect to your fellow people so that they can respect you in return. D. First day of school Its been a 12 years when I started to go to school, that's why I don't even remember what happen to me that time. And I asked my mother who was there for me in my first day of school. I was studying in pre-school in Mahogany Day Care Center.My other says that I don't cry in my first day of school because of two reasons. First, my mother don't leave me until the class end and Second, my bestrides who named Karen is my classmates t hat's why she says that I was enjoying my days in schools. E. First Award Positive As far as I remember, I got my first award when I was studying in pre-school. There I got a honor which is top and the honor of best in Math. I'm so happy when I got that award that's why my mother prepared some foods to celebrate my award. Negative My first award that I can say that it's a negative is when I was in second year high school.Although I receive a top my friend who supposed to be my bestrides is going to transfer in other school. Ill. The most unforgettable events in your life A. Positive/Good 1. One of the unforgettable events in my life was when I was in elementary. I receive an honor when I was in grade one, I got a best in math. It was memorable because I was in front of my fellow students holding the medal and the ribbon. 2. One of the unforgettable events in my life was when we celebrate Christmas and New year in Cavity with my Toto and TIA. I was very happy because it was my first time to celebrate Christmas and New year in other place.It become memorable because we did a lot to had fun. 3. When I was in high school I receive a lot of awards like, best in math, best in chemistry, top, top and top. Im so happy because I did it with my own hardwood. It became memorable because I was in stage in front of all the students when I receive the awards. B. Negative/Bad 1. When I was in third year high school, I was a honor student I receive a top at the end of the year, that's why I went to top section when I was in 4th year. Although in the others it is a good for me it was bad because my classmates in 3rd year is not the name classmates I have in 4th year. . When I was in 1st year college. Our PEE is dancing, and dancing is not my passion, that's why in every time we dance IM so very frustrated and at the same time shy. 3. When I was in grade school, I walking in the middle of the hallway and suddenly I was fall. IV. Best Teacher for me Every person have their own d efinitions of a best teacher. For me, a best teacher can set high expectations for all students. Also a best teacher are well prepared and organized, they are in their respective classrooms early and ready to teach.But the cost important is they can form strong relationships with their students and show that they care about them as a person. 1. Mr.. Michael Tortes Bonito He was my most favorite teacher in my whole college life. Its because his characteristics as a professor suits to my own definitions of a best teacher. He was very open to all of his students, he is very approachable and also he is handsome 2. Mr.. Edward Albert Celeste One of the characteristic of him as a professor that I like was his intellectual ability. He is very familiar and ready overtime we have a discussion and at the same time e can explain it very ell. . Ms. Grace Jazzing She my teacher in speech and world literature this semester also in Modern communications back then when I was in 1st year. I like her as a professor because she's good not only in teaching but also I like it the way she taught us. 4. Ms. Et Rareness I include him to my best teacher because his way of teaching grab my attention. He is very strict and he wants us to learn until the class end. 5. Mrs.. Susann Gene This teacher is very good in teaching, overtime we have a class she always makes us laugh that's why our attention focus on her more. V.Worst/Unwanted Teacher For me, the qualities of a bad/worst teacher are he/she is lack of organizational skills. Every teacher has to keep up with so many things on a daily basis that they must be organized to do their Jobs effectively. A teacher can't be a best teacher if he/she is lack of classroom management. Lastly, he/she must act as a professional in a sense that he/she is not always absent nor late. 1. Mr.. Lovers Haploid To be honest, I don't like the way he manage the class, its because every time that one of my classmates makes mistake he is always implicating th e whole class. 2. Mr.. Ian VerbOne of his characteristic that I don't like is he is not approachable. 3. Mr.. Panic He is my NSP professor, I don't like him because he don't discuss any matter that covers the lesson. He is Just checking the the attendance and that's it. 4. Mr.. Ryan Macaulay He's approachable but, the way he deal with his class is very unprofessional. 5. Estella Merman She is definitely good at explaining the lesson. But I don't like the way she discuss, she is Just explaining and she don't make a recitation for us. VI. Places I have visited Last March 8, 2014, me and my classmates in first year went to Enchanted garden inAngst Vulcan for an educational tour. There's a lot of people who was saying that I was a beautiful places that's why IM so excited which makes me prepared my stuffs a night before the tour. We are so happy in the middle of our ride. And when we got to Enchanted Garden, I'm so amaze with the beautiful views of it. I describe it as awesome, not only the places but also the people out there. They are all hospitable to the visitors. The wind is very fresh looks like you are in the province. I promise that its not only the last time that I going to visit it.

Persuasive Letter Essay Example | Topics and Well Written Essays - 750 words

Persuasive Letter - Essay Example Communication Solutions for the last five years and prior work experience at the procurement department at the Cortland County Government offices not only present me as an ideal representative of our organization in the deal, but also opens a new chapter for our customer experience if my application goes through. Basing my application from an internal perspective of the two organizations party to the contract, my conversance with the systems of operation regarding procurement objectives at Cortland County Government and sales objectives at Lintech Communication Solutions will assist me to negotiate the best deal out of the contract. In light of the past circumstances causing revocation of rather lucrative contracts, it can squarely be blamed on the lack of understanding between Lintech Communication Solutions representative and our clients. As past management reports confirm, such failure can be attributed to a poor customer experience based on misunderstanding of the two systems of operation. Having been a part of the two contractual organizations, my representation of Lintech Communication Solutions at the initiation negotiations can guarantee success to this end. The familiarity that I have with the County Government officials is a valuable bargaining beginning for our organization. Besides my strategic advantage with conversance, my recent engagements on behalf of Lintech Communication Solutions have been in contracts of installation of video conferencing equipment for three different county government offices. All of these projects can be rated one of the best for the entire country and Lintech Communication Solutions, since the Federal Government rolled out the video conferencing plan for all government offices. Having taken part in the pilot projects that have had such success presents me as the ideal candidate for yet another successful negotiation for our organization. These deals were allocated to us amid a competitive backdrop crowded by numerous

Walking Through the Baroque Music Era Essay Example | Topics and Well Written Essays - 2250 words

Walking Through the Baroque Music Era - Essay Example Since the era was of absolute monarchy, the life of the nation would center around the exploits of the current leader. And such influence would be seen in all the structures in the country. Of course, spectacular musical and theatrical performances would be staged for the benefit of the monarchs and their foreign visitors. In other words, artists during that time served as instruments for the monarchs to stay or rise in rank. Moreover, JM Howard highlighted three major points vital in the formation of the Baroque as a historical musical era. First is reformation and counter-reformation, second is the existence of the wealthy families of Europe, and third is the desire of the Europe courts to maintain an image. The Reformation and the Counter-Reformation: Since the 17th century became more like a competition between recruiting parties of the Catholic and Protestant parties, many artists and musicians were able to perform on several concerts that were put up to convince people what the best church is. The Wealthy Families of Europe: Since during the 17th century, monarchs and aristocrats ruled, there was a need to somehow show the peasants that the ruling class had soft side, which would be shown through their taste in music. According to Thornburgh, music from the Baroque period is a mixture of many styles: there is Italian, French, English, and German Baroque music; early, middle, and late Baroque music; and even secular and sacred Baroque music. And of course, one must not forget. to mention the different personal styles of the many composers and musicians. Having said that, it would definitely be hard to clearly define what Baroque music is like because of its numerous elements. However, Thornburgh said there is a way to describe Baroque music in a more particular manner, and that is through its musical instruments, stylistic elements, and musical esthetic. Baroque Musical Instruments Voice. Being the oldest musical instrument, the voice would probably thought of being the most natural tool for music making. However, a true Baroque singer is very well-trained and is in many ways different from today's opera singers. Thornburgh said the difference is that Baroque singers accentuate the "difference in tone color between lower and higher registers" as compared to having "uniformity of tone color for which today's voice strives across the vocal range." Moreover,

Filamentous DNA Phages Single Stranded RNA Phages

Filamentous DNA Phages Single Stranded RNA Phages INTRODUCTION: Bacteriophages are one of the most widely studied organisms than that of bacteria and any other living organism. They are mainly used in that of molecular biology studies, because of lesser complexity they are usually preferred over other organism. A bateriophage is a bacterial parasite which can neither grow or replicate on its own but can do so within a given organism. The major success of bacteriophage truly depends upon the genetic element which is usually packed within the capsid. the genetic element can either be a single stranded or double stranded linear,circular DNA /RNA. The filamentous bacteriophages are single stranded DNA phages about 5.5nm in diameter and they usually are present in a ring like form. They show the presence of about 10000 nucleotide and they usually harbour in Gram negative host. They usually adsorb on the tail like component called sex pilus which is responsible for the transmission of plasmids. The major properties of these virus are that it does not harm the host. The other general properties of filamentous DNA phages are as follows: They can be grown in extremely high titre because they do not lyse the cells. They are extremely small in size and they can mainly be studied and used in molecular biology experiments. It is the only virus which has been crystallized for the analysis using x-ray diffraction and a good model for studying mutations. The interaction between the host and the virus can be used as a model for studying characteristics property of oncogenic virus. Three filamentous E.coli phages i.e M13,fd, f1 have been carefully studied and each of them have a life cycle similar to that à ¢Ã‚ ±Ã‚ ·174. M13 bacteriophage: M13 is a filamentous bacteriophage it has circular ssDNA. It contains about 6407 nucleotides. It contains major coat protein P8 and it capped with 5 minor protein P9,P6,P3.P3 protein attaches to the tip of the pilus E.coli. They are non-lethal and they form turbid plaques in Ec.oli they bring about reduction in the cell growth process. They are also used for structural studies. The phage particles: The phage is assembled by that of 50 amino acids protein called p8.It takes about 2700 copies of p8 to make about the coat 90 nm long.It has been seen that is quite flexible .Other distinct proteins which are usually present P9 mainly comprises about 5 copies. P7 p9 are usually seen in micrographs they are extremely small in size containing about 32-33 amono acids.The other end of the phage particles contain about 5 copies of the surface exposed p3and less exposed accessory protein p6.They form a rounded tip and the p6 is the the final protein to interact with the E.coli host during invasion. Phage life cycle: The filament phage uses the F pilus to infect E.coli with the M 13 tip containing the TolA protein on bacterial pilus. The phage genome is transferred to the cytoplasm of E.coli where the resident protein convert single stranded DNA genome to a double stranded replicative form(RF).This DNA acts like a template for the expression of phage gene. The second phase mainly involves amplification of the genome p2 it nicks the double strand form of the genome to initiate the replication of strand without which no replication occurs. Host enzymes replicate the(+) strand resulting in more copies of dsDNA.p5 competes with ds DNA formation by sequestering copies of the (+) stranded DNA into a protein/DNA complex designed to pack recovery phages. Another important protein p10 is important for regulating the number of ds genome in the bacterial host without which no strand an accommodate .Phage maturation requires p4 translational restart p11.Multiple copies of p4 assemble in outer membrane into a table barrel shaped structure.A number of p1 and p11 5/6 copies each)assemble inside the inner bacterial membrane.p1 p11 ans p4 together they are responsible for the release of mature phage. REPLICATION IN M13: Replication in m13 can be explained as follows; Viral (+) strand DNA enterscytoplasm Complementary (-) strandis synthesized by bacterial enzymes DNA Gyrase, atype II topoisomerase, acts ondouble-stranded DNAand catalyzes formation ofnegative supercoilsin double-stranded DNA Final product is parental replicative form (RF) DNA A phage protein, pII, nicks the (+) strand in the RF 3-hydroxyl acts as a primer in the creation of new viral strand pII circulizes displaced viral (+) strand DNA Pool of progeny double-stranded RF molecules produced Negative strand of RF is template of transcription mRNAs are translated into the phage proteins Phage proteins in the cytoplasm are pII, pX, and pV, and they are part of the replication process of DNA. The other phage proteins are synthesized and inserted into the cytoplasmic or outer membranes. pV dimers bind newly synthesized single-stranded DNA and prevent conversion to RF DNA RF DNA synthesis continues and amount of pV reaches critical concentration DNA replication switches to synthesis of single-stranded (+) viral DNA pV-DNA structures from about 800nm long and 8nm in diameter pV-DNA complex is substrate in phage assembly reaction. Research: SINGLE STRANDED RNA PHAGES: Single stranded RNA are found everywhere E. coli lives in the intestinal tract of man and animals. They can also be found in sewage samples .They are harmless creature in case of humans.RNA phages are tailless, icosahedron like that of à Ã¢â‚¬ ¢174 and it mainly involves E. coli phages f2,R17,MS-2 QÃŽ ². The RNA is a linear single stranded molecule having about 3600 nucleotides it contains 3 genes encoding a coat protein an attachment protein (A) and a RNA replicase. The RNA molecule acts both like a template and also like an mRNA so they do not possess a DNA polymerase and the regulation occurs at the translational level. They have large burst size and they form huge crystalline arrays within each bacterium. Cell lysis usually takes place at a time ranging from 30-60 minutes after infection. Virus structure: Virions contain about 180 copies of the coat protein arranged in a T=3 icosahedral shell that encloses THE RNA. alloleviviruses contain about 15 copies of the read through protein.the encapsidated RNA is resistant to ribonuclease treatment.The damaged virion are exposed to RNAase activity.The structures have been resolved by x-ray diffraction methods Life cycle of RNA PHAGE: ENTRY: Upon entry the ribosome they usually attach to the CP gene which is the centremost gene of the RNA molecule. TRANSLATION : The stem and loop structures in RNA block the ribosomal binding sites of the A and the Rep proteins. The translation of the CP gene opens the binding site of the Rep proteins .Both proteins are made but the increasing amounts of the CP proteins bind to the rep site and block translation of the rep gene. About 2 x 10 copies are needed as structural components whereas replicase is needed only in catalytic amounts. Replication of the phage RNA:The QÃŽ ²has a tetramer consisting of one Rep molecule with about three proteins-EF-Ts EF-Tutranslation factors needed for the placement of charged TrnaMOLECULES Synthesis of A protein: The binding site for the A protein is never available on the free(+)strand. The replication begins at the 3’teerminus close to the A gene. After synthesis of the (+) strand begind there is a brief period when the protein A gets translated. The A number is maintained and it is equal to the number of the (+) strand .it is believed that the A protein bring about the interaction of the RNA with the CP molecules PARTICLE ASSEMBLY: THE CP PROTEIN MOLE CULES spontaneously aggregate around the newly synthesized (+) strand and form an icosahedral shell. Cell lysis: Once about 10000 phages are formed the cell undergoes lysis and no lytic enzymes are left behind ,the mechanism still remains unknown. The QÃŽ ² phage: It is an RNA virus affecting E.coli. Contains a positive sense single strand RNA. It is one of the smallest known viruses measuring about 24 nm in diameter. Its icosahedral capsid consists of about 180 copies of the same protein. The strands acts like that of an mRNA and it also acts like a template for the replication of a complimentary strand. REFERENCES: Filamentous Bacterial Viruses(BACTERIOLOGICAL REVIEWS JUNE 1969 pg 177-209.ASM PRESS THE BACTERIOPHAGES 2ND ,BY CALENDER EDITION OXFORD PRESS MOLECULAR BIOLOGY BY FREIFIELDER FROM THE WEB

Education and Best Teacher

First out of town I was 7 years old when my family had a vacation in my mothers province, Zebu. It was in the middle of December when we go there. We celebrate Christmas together with my family and relatives. It was very fun, because it's my first time to meet my relatives there. Also there we celebrate my birthday at the same time New year. I experienced a lot in Zebu, I ride a horse, cow and other animals in my Loll's farm which is one of the memorable moments in my entire life. I describe Zebu as awesome, not Just the place but also the people out there. B. Stories that you can't forget (3) .The story of sleeping beauty. It's the story of a princess who was asleep and the thing that would makes the princess awake is a man who would kiss her. 2. The story of Juan Tama. It's the story of a man who was very lazy. Instead of picking a fruit he Just wait until it fall. 3. The story of turtle and rabbit. It's the story of a rabbit who was very confident that he was going to win in the r ace against the turtle and he Just sleep until he notice that the turtle is in the finish line and won. C. First teacher and first lesson My first teacher was my mother, she teach me different lessons when I was young.She taught me how to write, how to color, how to dance, how to sing, how to make a things with the use of clay and many more. But the important lesson that she taught to me is to how to deal well to others. She says that it is important that you have a respect to your fellow people so that they can respect you in return. D. First day of school Its been a 12 years when I started to go to school, that's why I don't even remember what happen to me that time. And I asked my mother who was there for me in my first day of school. I was studying in pre-school in Mahogany Day Care Center.My other says that I don't cry in my first day of school because of two reasons. First, my mother don't leave me until the class end and Second, my bestrides who named Karen is my classmates t hat's why she says that I was enjoying my days in schools. E. First Award Positive As far as I remember, I got my first award when I was studying in pre-school. There I got a honor which is top and the honor of best in Math. I'm so happy when I got that award that's why my mother prepared some foods to celebrate my award. Negative My first award that I can say that it's a negative is when I was in second year high school.Although I receive a top my friend who supposed to be my bestrides is going to transfer in other school. Ill. The most unforgettable events in your life A. Positive/Good 1. One of the unforgettable events in my life was when I was in elementary. I receive an honor when I was in grade one, I got a best in math. It was memorable because I was in front of my fellow students holding the medal and the ribbon. 2. One of the unforgettable events in my life was when we celebrate Christmas and New year in Cavity with my Toto and TIA. I was very happy because it was my first time to celebrate Christmas and New year in other place.It become memorable because we did a lot to had fun. 3. When I was in high school I receive a lot of awards like, best in math, best in chemistry, top, top and top. Im so happy because I did it with my own hardwood. It became memorable because I was in stage in front of all the students when I receive the awards. B. Negative/Bad 1. When I was in third year high school, I was a honor student I receive a top at the end of the year, that's why I went to top section when I was in 4th year. Although in the others it is a good for me it was bad because my classmates in 3rd year is not the name classmates I have in 4th year. . When I was in 1st year college. Our PEE is dancing, and dancing is not my passion, that's why in every time we dance IM so very frustrated and at the same time shy. 3. When I was in grade school, I walking in the middle of the hallway and suddenly I was fall. IV. Best Teacher for me Every person have their own d efinitions of a best teacher. For me, a best teacher can set high expectations for all students. Also a best teacher are well prepared and organized, they are in their respective classrooms early and ready to teach.But the cost important is they can form strong relationships with their students and show that they care about them as a person. 1. Mr.. Michael Tortes Bonito He was my most favorite teacher in my whole college life. Its because his characteristics as a professor suits to my own definitions of a best teacher. He was very open to all of his students, he is very approachable and also he is handsome 2. Mr.. Edward Albert Celeste One of the characteristic of him as a professor that I like was his intellectual ability. He is very familiar and ready overtime we have a discussion and at the same time e can explain it very ell. . Ms. Grace Jazzing She my teacher in speech and world literature this semester also in Modern communications back then when I was in 1st year. I like her as a professor because she's good not only in teaching but also I like it the way she taught us. 4. Ms. Et Rareness I include him to my best teacher because his way of teaching grab my attention. He is very strict and he wants us to learn until the class end. 5. Mrs.. Susann Gene This teacher is very good in teaching, overtime we have a class she always makes us laugh that's why our attention focus on her more. V.Worst/Unwanted Teacher For me, the qualities of a bad/worst teacher are he/she is lack of organizational skills. Every teacher has to keep up with so many things on a daily basis that they must be organized to do their Jobs effectively. A teacher can't be a best teacher if he/she is lack of classroom management. Lastly, he/she must act as a professional in a sense that he/she is not always absent nor late. 1. Mr.. Lovers Haploid To be honest, I don't like the way he manage the class, its because every time that one of my classmates makes mistake he is always implicating th e whole class. 2. Mr.. Ian VerbOne of his characteristic that I don't like is he is not approachable. 3. Mr.. Panic He is my NSP professor, I don't like him because he don't discuss any matter that covers the lesson. He is Just checking the the attendance and that's it. 4. Mr.. Ryan Macaulay He's approachable but, the way he deal with his class is very unprofessional. 5. Estella Merman She is definitely good at explaining the lesson. But I don't like the way she discuss, she is Just explaining and she don't make a recitation for us. VI. Places I have visited Last March 8, 2014, me and my classmates in first year went to Enchanted garden inAngst Vulcan for an educational tour. There's a lot of people who was saying that I was a beautiful places that's why IM so excited which makes me prepared my stuffs a night before the tour. We are so happy in the middle of our ride. And when we got to Enchanted Garden, I'm so amaze with the beautiful views of it. I describe it as awesome, not only the places but also the people out there. They are all hospitable to the visitors. The wind is very fresh looks like you are in the province. I promise that its not only the last time that I going to visit it.

Business Strategy and Competitive Environment of Minor League Baseball Team

Baseball is probably one of the most famous sports in the United States, along with basketball. It is very prominent and well-played in different parts of the United States, and is rapidly spreading throughout the world. It is even considered as United States’ national pastime. Minor Leagues pertain to professional baseball teams that play on levels lower than that of the minor leagues and teams in the minor league usually is an affiliate member of a major league baseball team. Competitors of Sports Baseball as a form of entertainment has a number of stiff competitors.There is the media with all of its forms — television, movies and internet. There are also an increasing attendance in theme parks, amusement parks and even carnivals. Baseball’s tickets would also be an additional expense to a household’s budget. All the more that’s people may be dragged away from enjoying the actual game. Movies never go out of fashion because there will always be so mething new for the audience. The themes of movies are well-thought of. There are various genres that would definitely fit any individual’s taste and preference.For every craving of the people, the media will innovate something to fulfill these cravings. Television, a long temptation for youngsters and competition to other forms of entertainment, still gets much attention from the populace. Television offers a wide array of shows for all genders of different ages. With the cable channels and other features and programs in television, most people would rather stay at home watching television instead of going out to watch sports games or even engage themselves in playing sports. Theme parks and amusement parks also offer a lot of fun, especially for the family.All of these things are stiff competitions for the baseball industry or for sports industry in general. The Birmingham Barons, a minor league baseball team based in Birmingham, Alabama is the focus of this paper. The mino r league baseball team, Birmingham Barons, is one of the most recognized baseball teams in the United States. The history of the team will be traced back in 1885 where it was played by many during the early years of baseball. Nearly two-thirds of Barons’ fans attend the games with family members. The typical fan is a college-educated and in an upper to middle income (Birmingham Barons, LLC, 2007).During 1990s Hispanic population in Alabama increased for more than 210%, almost 27% of which are in the Birmingham-Hoover Metropolitan Area which the leading U. S. center for the Hispanic population growth and business development (Shattuck, 2005). Birmingham, Alabama also has lots of museums; Arlington Home, Alabama Museum of Health Sciences, Southern Museum of Flight, Bessemer Hall of History, Sloss Furnaces National Historic Landmark, and the Birmingham Museum of Art, the largest museum in the location, are just some to name. A number of festivals are also found in Birmingham, wh ich features music, films, regional heritage.Future Objectives With these competitive environment of baseball in Birmingham that may be pulling the audience away from the game, the management of the said minor league baseball team should innovate ways to attract not only the Whites, but also the Hispanic masses especially now that there is a rapid growth of Hispanic population in Birmingham, Alabama. The management could consider developing a more easy to recall jingle or song, that whenever played in radio stations and television, will cling more to the minds of the people.The Birmingham Barons could also be more visible, not only to the popular masses, but also to those in small towns. Through this, more and more people could know the team and they would be more psyched to see them play. Visibility in advertisements and community work could also help in making them known. Advertisements are a seemingly sure, yet expensive way, of making the team closer to the people’s heart . Birmingham Barons has existed since 1885, thus their advertisement need not be that expensive. What they need is mass promotion.To know which of the media is most effective for the advertisement, the management may conduct Audience Needs Analysis. This is a survey to determine the medium preferred or most used by the people. For example, they tuned in more often to radio than on televisions. Or most of the people have radio sets than television. Once the management was able to determine the medium preferred by people, they would know where they could put more advertisement about their league. They may also target community radio stations, community television networks, and community newspapers.These media are not run through sponsorship and thus may accept advertisements and announcements for free. In addition, it caters to the community especially to the grassroots therefore reaching a large number of people. Another strategy to get the attention of people especially the youngste rs would be a visit to the places far away from the main office of the team. They could reach out for the out-of-school youth and for those who cannot go to their free games. These people are probably not that exposed to the game and to the team as well and thus did a little or no effort at all to go and watch the live games.They may also strengthen their fan clubs that will be of great help in promoting their teams and the baseball. The Birmingham Barons could also have school and campus tours. They could visit different primary and secondary schools, introduce their teams to the students, and promote baseball games. In these ways, they will be more visible and exposed to these young people who might have interest with sports. And perhaps for those who don’t have any interest, it would be a start to develop even a little love for sports.In terms of the number of games which saturated the people, they could have what is so-called Special Game. In here, they may go against the usual happenings in their games. For example, they will have guests from the show business in this specific date of game, a famous actor or actress perhaps. Current Strategies To attract more audience, the management of the Birmingham Barons and the whole minor baseball league offer discounts for the early buyers of tickets, for wholesale buyers of tickets and for long-time customers.These steps encourage baseball fanatics to reserve tickets earlier and these also heighten the loyalty of the audiences to the baseball team. The team and managements give small gifts and thank you tokens to their fans for their loyalty. They actually give souvenirs and give-aways after the games. The team do play games at 11:00 am designed for school children. Schools get a heavily discounted game and meal ticket for the game and since they start at 11:00 they still get back to the school before 3:00.They also have youth clinics where children come to the park on Sundays and learn from our players. Th e Barons created a â€Å"Home Run† for the Community Donation Program wherein they give tickets to the non-profit organizations. The non-profit organizations then use the tickets as silent auction items or door prizes and the proceeds were donated. Another community based activity of the Barons is their tie-up with the Pull-A-Part â€Å"Pulling against Child Abuse† promotion where they gave donation to a Children’s Hospital (Birmingham Barons, LLC, 2007).As of now, Barons have what they call Sponsorship/Marketing Kit which includes scoreboard, yearbook, radio and stadium advertising. They call for business advertisements during their games through these advertisement mediums. These have become attractive for advertisers because their captive audiences are people of middle to upper classes. As a minor league baseball team, they already have a capability of collecting funds through these sponsorships and that enables them to reach out to the masses. Assumptions an d CapabilitiesThe Birmingham Barons are already getting a big income through sponsorships and tickets sales. Most probably, their income will not actually be affected by giving extra discounts for the long time customers, early and wholesale ticket buyers, and most especially to young fans, Latino or Hispanic fans who may be driven away by other forms of entertainment the Birmingham is rich for. Birmingham Barons has already a good business strategy – they have that Marketing and Sponsorship kits which includes radio advertising, and they also have their official website.This has already enabled them to captive a large number of audiences. In addition, they are also involved in community services and an example is that â€Å"Home Run† for the Community Donation Program. The thing they must have some changes is about their target audience. Baseball should not be just for those who have money and can afford to buy tickets, but for other members of the society also. Baseb all is a game for kids as what Barons General Manager Jonathan Nelson said during their tie up with Pull-A-Part (Birmingham Barons, LLC).That’s why I also believe it should be promoted especially to young generation of fans. Baseball is not also for whites, but for everyone. Thus, it is also good to promote this with others like the Hispanic or Latino. And it is good to know that Birmingham Barons is offering a family-oriented entertainment through this sport. There are really many factors to be considered and studied carefully before acting or making decision especially in business and its environment. The key point is to focus on the goal and what is really needed.But the goal is not just to increase the income of sports but must be beyond it. They must also aim to promote the love and patronize for sports. Just think what will happen if the young people of today’s generation will lose interest to sports. And with the Birmingham Barons existence and fame for more or less one hundred years, I know they can make it to the people’s heart to once again gain their attentions and affections for sport. References Birmingham Barons, LLC. (2007). Birmingham Barons. Retrieved November 9, 2007, from http://www.barons. com/marketing/Barons07-MediaKit. pdf Birmingham Barons, LLC. (2007). â€Å"Home Run† for the Community Support Program. Retrieved November 9, 2007, from http://www. barons. com/thebarons/ communitysupport. shtml Birmingham Barons, LLC. (October 2, 2007). Home Runs Help Prevent Child Abuse. Retrieved November 9, 2007, from http://www. barons. com/nm/publish/barons705. shtml Shattuck, Michael. (2005). Birmingham-Hoover Metropolitan Area Population Diversity Summary. Retrieved November 9, 2007, from mhrc. dopm. uab. edu/ resources_new/Birmingham

Review of D Nakanos Movie White Mans Burden essays

Review of D Nakanos Movie White Mans Burden essays The film "White Man's Burden is a deliberate attempt by the director, Desmond Nakano, to show what the effects of race and social status are on a person's beliefs, attitudes and behavior. The setting for the film is modern day America with a twist. In the film, blacks dominate economically, politically, and culturally, while whites represent the underclass. Touching upon issues that are prevalent in society today, the film gives the viewer a glimpse of what it's like to be a minority living in a society where the social norms and popular culture are defined by the ruling class. These issues are presented in ways that are both direct and indirect. Mr. Nakano uses his characters Thaddeus Taylor and Louis Pinnock to illustrate both sides of the racial and class divide. It is in the first scene that we meet the antagonist of the movie, Thaddeus Taylor. The character of Thaddeus is the archetype of what we perceive members of the establishment to be. He's a wealthy and influentia l businessman with a less than flattering opinion of those that are of a different race and socioeconomic status. The director uses this character to draw attention to the prejudices and assumptions that many members of the upper class have about the poor and minorities, particularly those living in the inner city. In the first scene, Thaddeus is having a dinner party with other well to do friends and family members and the conversation turn to one of Thaddeus' business deals. The deal involved the development of a shopping center in the inner city, which was burned down three months after it opened. One of the guests at the dinner party commented that it was a shame that the shopping center burnt down, because it would have provided jobs and infused money into a community that was economically deprived. Although the film didn't go into much detail, it is evident that those living in the neighborhood set the fire. Thaddeus comments that there is som...

Popular Chainsaw Brands You Can Buy on Amazon

Popular Chainsaw Brands You Can Buy on Amazon A survey was conducted several years ago to determine the popularity of chainsaw brands used by woodsmen users in the United States. Listed in the survey included both dealer-supported saws and big box saws sold at local hardware chains. The list also included boxed products to include Poulan, Craftsman, Remington, Hitachi as well as dealer-sold saws including Husqvarna, Stihl, Jonsered, and Echo. Husqvarna Barely Beats  Stihl One interesting observation in the survey was that dealer-serviced saws topped the popularity list. With over 3,100 votes cast, Husqvarna was narrowly selected over Stihl as the chainsaw of choice voted on by Forestry readers. Here are the percentages of preference and ranked by saw brand: Husqvarna - 41%Stihl - 40%Jonsered -  7%Echo - 4%All others - 8% Voting for a favorite saw was extremely close between the first and second place brands. Husqvarna and Stihl are by far the most popular saws in America according to this survey. Although this was not a scientific survey, these saw brands were acclaimed to be the preferred saws of the survey readership; most, if not all these models, have high ratings. It should be noted that industry competition and availability of dealers change as do these rankings locally. It has become obvious over the years that a local branded service center increases sales. Buying available service with a warranty guarantee is as, if not more important than the price paid for the chainsaw. A power tool will malfunction over time and you will need service and parts over the life of the saw, as noted by power equipment dealer Tom Bernosky in a saw industry trade magazine. â€Å"Always remember when buying any machine, buy from somebody who can service. You will only hurt yourself and your business by buying something at a mart-type store. I’m not saying you can’t buy mail order, just make sure they do the service work. If they don’t, your warranty isn’t worth the paper it’s printed on.† Tom Bernosky Latest Chainsaw Medium Power Picks For non-professional but regular chainsaw users, several models are recommended. Power models are usually heavier, have more cubic centimeters of displacement (- 40 ccs) and tend to come standard with 16 bars. These saws are primarily picked by resource managers, forest and landscape owners, and businesses who use saws regularly but are not professional timber fellers. They will cost slightly more than smaller saws and are typically on sale from between $250 and $350 each. See the top most voted for chainsaws below. Voted #1:  Husqvarna Saws Swedish company Husqvarna builds chainsaws for both the professional and casual user and is available for purchase on Amazon. A Husky saw has excellent power-to-weight ratios but does not compromise on a slim saw body design and on lightness. Husqvarna saws are built with LowVib, Air Injection, and a Smart Start function that makes them very easy to start. All saws have mandatory safety features and offer  a variety of chainsaw for every requirement. The recommended top bargain power model  is the Husqvarna 440E Chainsaw. Voted #2:  Stihl Saw Germanys Stihl has been in the chainsaw business for over 70 years but only sells through exclusive dealerships. They have developed a slim saw form and continually develop  significant advances in saw technology. The Stihl saw has an anti-vibe technology for fatigue free operation and they claim to be leading manufacturer of saws worldwide. All saws have mandatory safety features and offer  a variety of chainsaw for every requirement. The recommended top  bargain power model  (Consumer Reports Listing)  is the  Stihl MS 180C Chainsaw. Voted #3:  Jonsered Saws Jonsered’s from Gothenburg, Sweden and has been producing wood processing machinery since the 1880’s. Dealerships have not been fully developed in all areas of North America but are great saws  if backed up by a local dealer and are sold online. The Jonsered actually produced the prototype for today’s modern one-man chainsaw. The recommended top  bargain power model  is the  Jonsered CS2238 Chainsaw and can be purchased on Amazon. Voted #4:  Echo Saws Echo is Japans leading manufacturer of chainsaws and sells to professionals and casual private users alike. They are currently challenging the bigger companies from Germany and Scandinavia. Echo has earned a following among power saw users for giving outstanding performance and dependability. The recommended​​  power model  is the Echo Chainsaw CS 310.

Lower Division Capstone Essay Example | Topics and Well Written Essays - 750 words

Lower Division Capstone - Essay Example I would say that this strategy can be considered as home runs because this investment can bring about a lot of revenue in the future. In order to increase their revenue this company should market through digital media. This can also be categorized as low hanging strategy. I strongly recommend the use of this digital media i.e. online marketing, blogs, forums, social media etc as customer behavior is changing every day and people (doctors) mostly use internet as the source of information for new drugs. This would definitely have positive effect on the company as it can have direct contact with customers through this. This can result in great financial improvements (Abbott 2011). DEAN FOODS: Dean foods is an American food company which mainly deals in milk and dairy products. Marketing plan for dean foods can be advertisements through newspapers or pamphlets, door to door service and change in the way of presenting the product. All these are very common yet effective ways of marketing. Advertisements in newspapers and door to door service both can lie in low hanging fruit category. The success of the change in the presentation can be risky because it depends upon the consumer’s taste. ... It is one of the top brands worldwide for women’s undergarments. It needs to be very innovative when it comes to its marketing strategies and it is already doing very well in it. New models should be hired every year so that consumers are not bored by the same faces. More and more ads should be put in all kind of magazines instead of just fashion ones. Any new product that comes up should be immediately advertised. All these will help Victoria’s secret to continue being a monopoly in lingerie business. Hiring new models can be low hanging fruit for the company. Putting ads in different magazines can be both low hanging fruit and home runs. Hiring new models can be a little risky because the success of it actually depends upon customer’s taste. I would strongly recommend my second advice of advertising the product in all kind of papers and magazines because this would also target customers who do not read fashion magazines. It will increase the demand and will enh ance public relations (Business Week 2006; Franco 2000). BIBLIOGRAPHY: Dean Foods Company STRATEGIES: ONE BIG SECRET. Mark Del Franco 2000 Marketing Victoria's Secret. Business Week 2006. http://www.businessweek.com/bschools/content/oct2006/bs20061011_780959.htm Abbot Laboratories. Official Website 2011. PART TWO The company’s strategy of changing its focus from SUV to more fuel-efficient cars is more practical for today’s world where fuel prices are hiking every day.

Why do firms exist Essay Example | Topics and Well Written Essays - 3000 words

Why do firms exist - Essay Example A simple, yet, complete definition of firms may help in starting the debate about why they actually exist. Fisher, Prentice & Waschik (2010), define firm as â€Å"a group of workers and managers, collectively called labor, and a group of physical assets, like machinery in a manufacturing operation or computers in a service sector firm, collectively called capital, which produce goods and/or services (p. 14). This definition provides three major areas where people are involved with the firms. People, firstly, work for or manage the firms as labor, secondly they invest in businesses and firms to earn profits and giving firms the strength of progress in the form of capital, and lastly people use the products or services offered by the firms. Hence, our life is, in one way or the other, dependent on firms. It is a way of earning for one group and a way of gathering necessities of life for the other like food stuff, clothing, and professional services like legal, educational or healthcar e services and so on. Owing to the importance of firms in our regular activities and modern life, this paper aims to answer the question: why do firms exist? In doing so, this paper will provide perspectives of different researchers and their theories to justify the claims made. Theory of Firm Theory of firm necessitates by trying to predict how the business would carry out their prescribed strategies to achieve their ultimate goal and that is profit maximization. The theory of firm helps predict and explain other alternatives and decision made by the company. Traditionally it was based on having sole goal of profit maximization. But most recent analysis, theories and researches suggest that sales maximization or market share that is satisfying the needs of the customers along with satisfying its legitimate stake holders, combined with satisfactory profits may be the main purpose of businesses in short term as well as in long term to survive. Traditionally companies’ were fol lowing stock holder theory that is managers had one objective of maximizing share holder value. For example a company would not mind shutting down a branch in a region or country and resulting in thousands of people being unemployed and affecting the whole economy of that region or country. Despite these factors, the managers would have let the factory moved to another region or country because labor is cheap and plentiful there. Traditional theory suggested companies to disregard safety practices or other practices to preserve social responsibilities, according to theory, as they would have to spend money over it which reduces profit. However, if such avoidance of such actions charges the companies with substantial penalty or case file or dereputation resulting in more expenses (fines) than the companies were encouraged to provide equipment and running the safety policy. The risks of fewer sales by customer boycotting the company’s products are also avoided by adopting such practices in the modern business arena and companies would fall into instrumental form of skate holder theory (Schroeder, Clark, and Cathey 2010, pp. 124-128). Stake holder theory is referred as 21st century theory where the organizations are so large that they can affect the whole society significantly. This broader impact of organizational procedures and processes suggest that they cannot just be responsible to share holders i.e. obeying stock holder t

The Role of Leader Essay Example | Topics and Well Written Essays - 1750 words

The Role of Leader - Essay Example Leadership even motivates the people to improve their performance related to work and creates a positive change within an organisation. Leadership provides a new way of thinking as well as generate new ideas for effectiveness of the organizations in relation to the attainment of the organisational objectives. Leadership generally aims to bring out the best in people to make them work better and achieve a common goal (The ASPIRA Association, n.d.) In addition, leadership can also be referred as a function of creating a vision in order to obtain the desired objectives of the organisation successfully by guiding the workforce, communicating and even building trust among them and the leader so that they can work better (Oklahoma State University, 2006). The main aim of this paper is to understand different theories of leadership and their application in the organisation. Furthermore this paper will also describe the different role and style of leaders. Theories of Leadership The role of every leader is different from one another. Leaders are often observed to develop their own style of leadership and follow different leadership theories according to the requirement of the situation that they need to face in their organisations. In this regards, various theoretical frameworks or theories have been developed which explains some of the major leadership traits possessed by leaders. A few of the theories are Great man theory, Trait theory, Contingency theory, Transformational theory, Behavioural theory, and Transactional theory. According to great man theory, it is believed the people are born to lead. Leaders develop their own leadership qualities. This theory includes the members of high personality, industrial heads. On the other hand, trait theory is quite similar to the great man theory. The theory emphasizes on physical traits, tasks assigned to the leader, and social as well as personal ability of the leader among others in order to explain the leadership style. However, the contingency theory is more progressive. As per the contingency theory, leadership style should be consistent with the situation faced by the organisation to achieve the goals and objectives. In transformational theory the leaders are often observed to build a trust amid the organisational participants, motivate and engage with subordinates to increase the morality of the followers as well as the leader. The leaders also help the followers to develop their potentials and satisfy their needs with the aim to attain the desired organisational goal (Transformational Leadership, 2010). In the similar context, behavioural theory attempts to highlight the effectiveness of a leader. The behavioural theory mainly focuses on the perceptions, actions, and activities of an individual while performing any task, based on previous experience. This theory is a type of mental understanding which facilitates the actions of an entity. This theory also helps an individual or leader to take accurate decisions, which would be beneficial in accomplishing the assigned duties. It measures the confidence level and loyalty of the leader that how well they can lead and execute strategies into actions. In this theory it is believed that one has to learn effective leadership as human beings are not born with the required qualities of a good leader and thus need to develop the leadership qualit

Theosophy Paper Essay Example for Free

Theosophy Paper Essay Theosophy can be described as a collection of beliefs that have been put together to guard mode of operation of the theosophical society. This collection of beliefs is basically man’s effort to understand God through meditation , acts of love towards others, intensive study about various issues as well as living a life that is pure. The origin of theosophy can be traced back to a strong desire for spiritual enlightenment   that existed among ancient cultures and which has continued on   into modern society giving rise to very many religious beliefs over the span of time. This society is a modern movement whose members have a common interest of discovering the truth and understanding the real meaning of life. The theosophical society is a worldwide body whose origin dates as far back as 1875 when a Russian native by name Hellena P Blavatsky together with others came together to set up a movement whose main goal was to unite the human race beyond the boundaries of race, colour or any opinions which put together form a set of rules that govern how people should live. They also had a great desire to study the origin of all religions and their commonality. Membership of this society comprises people from different   world religions brought together by a common search for truth and members are required to observe total tolerance for all without partiality to those are not tolerant themselves. This creates a mood of universal brotherhood amongst the followers and enables them to sit at the same discussion forums irrespective of theirs religious or cultural differences (http://www.theosociety.org/pasadena/gdpmanu/ryan-wh/wit-hp.htm). About the founder   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Helena Petrovna Blavatsky was born in 1831 in the town of Ekaterinoslav in southern Russia where she grew up. In her adult years, she became a very widely travelled woman visiting countries such as Greece, France, India, Japan, Turkey and Britain among others. Apart from being the founder of the Theosophical movement, she is also author of a book on theosophy known as ‘The Secret Doctrine’. The main aim of her writings was to introduce various religious beliefs and philosophies found in Eastern religions to the West and through these writings try to integrate the two. A great part of her teachings have been derived from knowledge imparted on her by her masters; great teachers that she came into contact in the course of her travels in the East. Her teachings have greatly influenced the minds of men and women the world over as they engage in a continuous search for truth. It is these same masters who ordered her to travel to America   where together with others who were engaged in the search for truth, they founded the theosophical society. H. P. Blavatsky died in London in 1891having established a worldwide movement of followers that have been committed to following her teachings (Charles Webster). About Theosophy   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Theosophy does not hold any doctrine or opinion that should be followed by its members and no one is allowed to impose their beliefs, teachings of opinions on the other members. Members are encouraged to put others into consideration when expressing their thoughts although they have the liberty to do so.   Theosophy preaches that there’s nothing within nature that happens by chance but that the universe has pre-set laws that determine how everything operates. The system also advocates that all human beings have a spiritual nature that never dies out and the aspect that dies out that constitutes the physical, emotional and mental nature of man. Theosophy gives detailed information about the creation of the universe and the human race. The universe is said to originate from some infinite unknown source and to this source it must also return. The various origins of creation given by different world religions are analysed critically to show their contradictions while at the same time relating all these religions to a common origin which is the wisdom religion. Followers of this doctrine are encouraged to critically examine their beliefs and point out the differences in their varied religious beliefs. Theosophy is the only movement that places great responsibility on each of its followers about examining their own beliefs. Members are required to come together into one large organisation based on universal brotherhood through exchanging ideas about their different religions, different views about science and their different understandings about philosophy. Philosophically, theosophy tries to explain the connection between the soul and the solar system. Religiously, it tries to design a direct path to achieving spiritual goals and scientifically, theosophy treats philosophy and religion as aspects of life that can only be understood through intensive search of knowledge which comes from religious study and research (Charles Webster). Theosophy verses religion   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Theosophy is not a religion as the movement has no common beliefs or the worship of a common deity. Members trace their origins to very different religious backgrounds and when they meet, it is for the sole purpose of discussions on various issues or books that they have read in the course of their study. Through theosophy, members are taught that their religious background is not vital because all religions can be traced back to one common source. When an individual joins the theosophical movement, they have the privilege to maintain their present religion in the course of their study of theosophy as this is supposed to help them discover the common factor about all beliefs. All have the right to believe what they choose to believe in and no member is allowed to impose their beliefs on another with the intention of converting them.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Theosophy on the other hand can in itself be described as true religion as it gives every member the freedom to accept or reject any ideas read or put forward to them depending on the valuation that they give to the subject. The sole purpose of theosophy is to bridge the gap that exists between science and religion by explaining how each of these two aspects are interrelated. Religiously, these teachings try to explain the life’s main purpose, philosophically tries to explain why things are the way they are and scientifically how nature works (Pavri P.). Principles that govern theosophy   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   There are seven basic rules or principles that govern theosophy the first and foremost being the principle of reincarnation or rebirth. This principle explains that nature operates through a system of cycles that keep repeating themselves for example the seasons of the year, the revolution of the planets around the sun as well the birth, maturity and death of ideas to name but a few. Theosophy is also governed by the law of Karma that states that for every reaction, there must be an action meaning that for every input, there is an output of that there must be a source in order to get a result.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The doctrine of hierarchies is yet another principle that governs theosophy. This principle explains that nature operates through a system of hierarchies that are all inter-related for example the interdependence of all organs of the human body or the system of government in any society. Theosophy goes on to give another principle that emphasizes on the uniqueness of character in every living thing. This principle tries to explain why every being or thing behaves in the manner that it does. The principle of evolution adds to the list of principles and this one explains the progressive nature of evolution that finally reaches a certain limit that requires the subject in question to move up to another level.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   There is also the principle of interaction that tries to relate the interaction of the mind and the physical to give either positive or negative results. Theosophy also tries to understand and teach about the foundation of human life or basically, its origin (http://www.theosociety.org/pasadena/gdpmanu/ryan-wh/wit-hp.htm). Theosophy and modern society   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Human beings are bound to differ and what may begin as on united movement of group often disintegrates to give rise to various branches and sub-branches. Naturally, human beings are bound to differ over various ideas and norms depending on the place of their origin and such differences will certainly cause any movement to drift apart. It is this characteristic of human nature that has given rise to a diversity   of religions and religious sects. Despite the effort made through theosophy to unite these world religions into a common search for truth, the theosophical movement itself has not been exempted from this concept of disagreements. As a result very many branches claiming to base their teachings on theosophy have come the whole world over. The idea of universal brotherhood however remains a common factor that unites all these groups as well as others in their endless search for truth.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The extent to which the movement has succeeded in uniting people is a topical issue. We are still living in a world that is deeply characterised by hatred and causing terror to one another. Nation is fighting against nation as each tries to impose its ideals on the other and even different societies within the same nation are constantly fighting amongst themselves.   It is an end to such mayhem that theosophy tries to seek a solution by encouraging its followers to place great emphasis on an inner discernment of issues and rely heavily on ones own strength.    Because of man’s tendency to make mistakes in the course of his endeavours, the teachings of karma are emphasized. These teachings provide every member with extensive opportunity to learn new things and gain more experience while at the same time critically comparing various issues that com up in the course of learning. The karma helps those who practice it to deviate from a personal analyses of issues and encourages them to view things from a broader perspective as it is from such a deep search for truth that they can gain new strength.    Whether the spirit of universal brotherhood has succeeded in uniting people in modern day society is a very topical issue. Perhaps theosophy has suffered the same problems suffered by world religions; the lack of commitment to a chosen course. Maybe member meet together because it is yet another movement that sounds interesting and worth finding about and the story ends there (Pavri P.). Conclusion   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Theosophy even though not a religion can be described as the true religion in that it its followers have been given the leeway to choose or reject anything depending on their personal valuation and subsequent conviction about any issue that crosses their path of thinking. It directs its followers on various ways of achieving higher levels of spirituality in their lives. According to theosophists, this world is the best place to live in and all resources must be used with all form of wisdom, given value and treated with great respect as a means of deriving satisfaction from life. It is only if man attaches great respect to the environment that he is living in and takes every responsibility to preserve nature and make it a better place that a change for the better can be evident in man. Theosophy explains that different human beings are not in reality different but that they are only different expressions of the same life and this therefore requires every human being to take full responsibility of themselves. According to theosophy, all humans should live harmoniously in their bind to teach others how they should live by setting good examples to them and speaking moderately. The aspect of combining religion and philosophy in the search for the real meaning of life makes it a scope of great criticism from those that have failed to find answers to their problems in theosophy and all those others that are opposed to occultism and spiritualism (Pavri P.). Works cited Ryan Charles J. What is Theosophy? A General View for Inquirers http://www.theosociety.org/pasadena/gdpmanu/ryan-wh/wit-hp.htm Charles Webster A Textbook of Theosophy Published 2007 Leadbeater Cosimo, Inc. Pavri P. Theosophy Explained in Questions and Answers Published 2005 Kessinger Publishing Bloomfield Maurice The Religion of the Veda the Ancient Religion of India Published 2005

Integrating Technology in the Language Arts Classroom Essay -- Teaching

Integrating Technology in the Language Arts Classroom School leaders today are under extreme pressure to improve student achievement levels. Yet, in the face of tight budgets, threats to cut extra-curricular activities, and an extensive shortage of textbooks in the schools, exactly what are teachers supposed to do to ensure that â€Å"no child is really left behind.† Despite what looks like a dead end, there is hope. By integrating the usage of technology in the Language Arts classroom, students are presented with a wide range of opportunities for improving in writing, literacy, and cultural awareness. According to the article, â€Å"Are we there yet?† a survey issued by the National School Boards Foundation says that many schools nationwide have made great progress in connecting classrooms to the Internet. Yet, this is not exactly enough. Today, the focus must be on integrating this technology as an integral tool for instruction and administration, not as just an extra â€Å"if-time† activity. By doing this, the core educational priorities that are set by the federal, state, and local governments will match the goals, interests, and objectives of students in diverse learning communities. In addition to this, the usage of technology is viewed by parents to have a positive impact in children’s lives. Although parents understand that there are dangers associated with the Internet, they mostly believe that the positive implications for it are much stronger. For school leaders, however, the correct installments of filters, firewalls, and honor codes are the only p rotections that they have against providing students with more positive than negative images. Having said all of this, what are technologies implications for improving the La... ...thers, they will develop a more complete sense of themselves and the world around them at the same time. In conclusion, technology in the Language Arts classrooms will provide students and teachers with a wide array of opportunities and options for broadening instruction and assessments. Increased usage of technology will act as a supplement for traditional instruction, and thus strengthen the effect that it will have in the lives of students everywhere. Therefore, where there are tight budgets, and shortage in textbooks, the usage of technology gives communities hope and a stronger belief that no child will be left behind. Works Cited â€Å"Are we there yet?† http://www.nsbf.org/thereyet/fulltext.htm â€Å"A Friend for the Language Arts.†www.electronic-school.com/0198f4.html â€Å"Using Virtual Learning Space to Promote Multiculturalism† http://www.techlearning.com

Hdfc Bank Essay

The first modern bank was founded in Italy in Genoa in 1406, its name was Banco di San Giorgio (Bank of St. George). Many other financial activities were added over time. For example banks are important players in financial markets and offer financial services such as investment funds. In some countries such as Germany, banks are the primary owners of industrial corporations while in other countries such as the United States banks are prohibited from owning non-financial companies. In Japan, banks are usually the nexus of cross share holding entity known as zaibatsu. In France â€Å"Bancassurance† is highly present, as most banks offer insurance services (and now real estate services) to their clients. 1.2 DEFINITION: The definition of a bank varies from country to country. Under English law, a bank is defined as a person who carries on the business of banking, which is specified as: †¢ Conducting current accounts for his customers †¢ Paying cheques drawn on him, and †¢ Collecting cheques for his customers. 1.3 OBJECTIVE OF THE STUDY: The Objective of this on the job training is to study the importance of the potential customers and their value to the bank and creating the awareness among them about the importance of current accounts and keep a good relationship with them for the bank’s benefit. 1.4 ORIGIN OF THE BANK: The name bank derives from the Italian word banco â€Å"desk/bench†, used during the Renaissance by Florentines bankers, who used to make their transactions above a desk covered by a green tablecloth. However, there are traces of banking activity even in ancient times. In fact, the word traces its origins back to the Ancient Roman Empire, where moneylenders would set up their stalls in the middle of enclosed courtyards called macella on a long bench called a bancu, from which the words banco and bank are derived. As a moneychanger, the merchant at the bancu did not so much invest money as merely convert the foreign currency into the only legal tender in Rome- that of the Imperial Mint. 1.5 PRESENT STATUS OF THE BANK: Worldwide assets of the largest 1,000 banks grew 15.5% in 2005 to reach a record $60.5 trillion. This follows a 19.3% increase in the previous year. EU banks held the largest share, 50% at the end of 2005, up from 38% a decade earlier. The growth in Europe’s share was mostly at the expense of Japanese banks whose share more than halved during this period from 33% to 13%. The share of US banks also rose, from 10% to 14%. Most of the remainder was from other Asian and European countries. . The US had by far the most banks (7,540 at end-2005) and branches (75,000) in the world. The large number of banks in the US is an indicator of its geography and regulatory structure, resulting in a large number of small to medium sized institutions in its banking system. Japan had 129 banks and 12,000 branches. In 2004, Germany, France, and Italy had more than 30,000 branches each—more than double the 15,000 branches in the UK. 1,6 FUTURE OF THE BANK : The future is integration as people will have less time for banking. People will want to process more transactions on the Internet. There will be more activity in terms of applications and services on the mobile. Geography will not be an inhibitor any more as everything is executable on the Net. â€Å"Integration is the next real big thing. As a customer you will want a one-stop shop that will take care of all your needs. For instance people will want to buy their mutual funds, redeem their mutual fund, buy insurance policies, renew policies, buy cinema tickets, railway tickets, and numerous similar transactions through the bank. The ATM will still serve as a cash dispensing medium, but the Internet and mobile will be very active†. [pic] 2.1 ORIGIN OF THE ORGANIZATION : H.D.F.C was set up on 17th October, 1977 by I.C.I.C.I. out of the consideration that a specialized institution was needed to channel household savings as well as funds from the capital market into the housing sector. H.D.F.C. has emerged as the largest mortgage finance institution in the country. The main objective of H.D.F.C. is to develop significant expertise in retail mortgage loans to different market segments and to have a large corporate client base for its housing related credit facilities. The main aim of H.D.F.C. is to support or aid in the promotion of home ownership. H.D.F.C. is India’s leading housing finance company and for all practical purposes is synonymous with the domestic housing finance industry. The primary objective of H.D.F.C is to enhance residential housing stock and promote home ownership. One of its major objectives is to increase flow of resources for housing through the integration of housing financial institutions with the domestic market. H.D.F.C. has developed a strong market reputation large shareholder base and unique consumer franchise. H.D.F.C. is India’s premier housing finance company in India as well as in international markets. It has maintained a consistent and healthy growth in its operations to remain the clear market leader in mortgages in India. The company has been constantly engaged into innovation and innovative practices since its birth. 2.2 GROWTH AND DEVELOPMENT OF THE ORGANIZATION: HDFC Bank reported a 43 percent growth in net profit at Rs.75.5 crore for the third quarter ended December 31, 2001, as against Rs 52.8 crore in the corresponding quarter previous fiscal. The jump in net profit was primarily due to other income which almost doubled to Rs 85.5 crore from Rs 47.5 crore. Speaking to analysts at a conference call today, January 15, 2002, Paresh Suthankar, head – credit risk and investments, reiterated the bank’s earlier guidance of a 25-30 per cent compounded annual growth rate (CAGR) in its top line for the next two to three years. The bank does not see any reason to revisit its guidance and stands by it. It expects the projections to hold true as long as the market environment is relatively stable and does not move to an extreme of either a boom or a total bottoming out. The bank is open to acquisitions as a vehicle of growth, but any growth via acquisitions would be over and above its projected growth rate of 25-30 per cent. At present, it is not working on any deal but there are acquisition prospects in the Indian scene, giving rise to opportunities for inorganic growth. The bank’s exposure to capital markets is around 6-7 per cent, against the Reserve Bank of India (RBI) norms of 5 per cent. The bank expects to bring it down to within the stipulated limit by the end of this fiscal. The bank has made a lot of headway in its retail thrust with retail accounts going up to 1.9 million from 1.4 million a year back. The branch network now stands at 147 outlets in 63 cities and the ATM network at 360 compared to 231 ATMs as on March 31, 2001. The debit card base is at six lakh. On the advances side, car loans have really picked up and now form almost 50 per cent of the total retail advances, with the remaining being accounted for by loan against securities and other loans. In fact in case of car loans, the bank now covers around 30 cities against just eight-nine a year back. 2.3 PRESENT STATUS OF THE ORGANIZATION: HDFC Bank Limited provides various financial products and services. It operates in three segments: Personal Banking, NRI Banking, and Wholesale Banking. The Personal Banking segment provides savings, and current and fixed deposit accounts. It also offers personal, home, two wheeler, new car, used car, gold, education, healthcare, commercial vehicle, working capital, construction equipment, and warehouse receipt loans. In addition, this segment provides safe deposit lockers; credit, debit, and prepaid cards; mutual funds, general and health insurance, bonds, and equities and derivatives products; and forex and payment services. The NRI Banking segment’s deposit products include rupee savings accounts, rupee current accounts, rupee fixed deposits, foreign currency deposits, and accounts for returning Indians. Its loan products comprise home loans, loans against securities, loans against deposits, and gold credit cards. The Wholesale Banking segment offers funded services, which consist of working capital finance, short term finance, bill discounting, and export credit; and non-funded services, such as letters of credit, bank guarantees, and collection of documents to corporations, and small and medium enterprises. It also various services to banks, financial institutions, mutual funds, stock brokers, insurance companies, commodity businesses, and trusts. As of March 31, 2008, it had a network of 761 branches and 1,977 automated teller machines in 327 cities in India. [pic] 2.4 FUNCTIONAL DEPARTMENT OF THE ORGANIZATION: HDFC Bank Limited is located in New Friends Colony, New Delhi. This organization Includes functional departments as follows: 1. Current Account Department 2. Saving Account Department 3. Trade Department 4. Salary Department 5. Cash Department 6. Demat Account Department 2.5 ORGANIZATION STRUCTURE AND CHART: [pic] 2.6 PRODUCT AND SERVICE PROFILE OF THE ORGANIZATION: HDFC Bank mainly provides three kinds of banking services: †¢ Personal Banking †¢ NRI Banking †¢ Wholesale Banking The following are the products and services provided by the HDFC bank HDFC Bank provides loans like Personal Loans , Home Loans , Educational Loans , Two Wheeler Loans , New car Loans, Used Car Loans, Overdraft Against Car, Express Loans, etc. HDFC Bank provides Credit, Debit and Prepaid Cards to help you meet your financial objectives. HDFC Bank provides facilities like Mutual Funds, Insurance, General & Health Insurance, Bonds, Financial Planning, Knowledge Center, Equities & Derivatives, and Mudra Gold bar. If you need to deal in foreign currency and keep tabs on exchange rates every now and then, transfer funds to India, make payments etc., HDFC Bank has a range of products and services that you can choose from to transact smoothly, efficiently and in a timely manner. With HDFC Bank’s payment services, you can bid goodbye to queues and paper work. HDFC’s range of payment options make it easy to pay for a variety of utilities and services. HDFC Bank provides many typ es of accounts like: †¢ Saving Account †¢ Current Account †¢ Demat Account †¢ Salary Account HDFC Bank has designed two programs to make banking easier for the customers and they are †¢ HDFC Bank Preferred Programme †¢ HDFC Bank Classic Programme. HDFC Bank offers Private Banking services to high net worth individuals and institutions. HDFC Bank offers you quick, economical and convenient options to remit and transfer funds to India. Corporate Banking reflects HDFC Bank’s strengths in providing our corporate clients in India, a wide array of commercial, transactional and electronic banking products. HDFC Bank acts as an active medium between the government and the customers by means of various services. 2.7 CURRENT ACCOUNT IN DETAIL: Features & Benefits: [pic]Free Account to account funds transfer between HDFC Bank accounts Free payment and collection through RTGS. Free payment and collection using NEFT (through Net banking) Free up to 50 Demand Drafts per month and can be issued from any HDFC Bank Branch Free up to 50 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch. Free anywhere collection & payment transactions (clearing) within HDFC Bank branch network (except Dahej), up to Rs.100 lacs per month. Convenience to withdraw & deposit cash at all our branches* Free 300 â€Å"At Par† cheques leaves per month. Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like Cash & Cheque Pickup and Cash Delivery, through a reputed agency. Enjoy facilities like 24-hour Phone Banking, Net Banking and Mobile Banking that helps you check your balance & transaction details, find out the status of your cheque or stop cheque payment. Fees & Charges for Plus Current Account: Minimum Balance (Average Quarterly Balance)—————-Rs. 100,000/- Non-Maintenance Charges per quarterCharge of Rs.6,000/- per quarter, if AQB is less than Rs.50,000/- Charge of Rs.1, 500/- per quarter, if AQB is less than Rs. 100,000/- but > = Rs. 50,000/- Cheque Book Charges (Issued by Bank)——-Payable-at-par Free 300 cheques leave per month. Charges Rs 2/- per leaf beyond 300 leaves Remittance facility through own Bank: Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DDFree up to 50 DDs per month. Above 50 transactions, charges @ Rs. 25/- per Demand draft Pay Orders (PO) – on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Free up to 50 POs per month. Above 50 transactions, charges @ Rs. 25/- per Pay-order Issuance of DD/ PO through Phone BankingAll standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs 500,000/- are accepted at Phone banking. DD/PO-Cancellation/RevalidationRs.50/- per instrument NEFT/EFT Transactions: Payments————-Free Collections————Free RTGS Transactions: Payments————-Free Collections————Free Local Transactions (At home branch location) : Local cheques collections & payments—————————————Free Account to Account Fund Transfer within HDFC Bank- —————–Free Anywhere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank-Free Payments & Collections at HDFC Bank Locations-Free up to Rs.100 lacs per month, beyond which charges @ Rs. 0.50/1000, min Rs. 25 Bulk Transaction ChargesAll transactions are subject to a maximum of 250 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anyhwere clearing and transfer transactions Remittance facility through other Bank: Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup)Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation—-Rs.50/- per instrument Cheque Collection: Outstation through own bank——Collection: Free, only courier charges of Rs 20 per instrument Outstation through another bank (Correspondent bank locations) : Rs.4/- per Rs.1,000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions : 1. Cash Deposit Cash Deposit-Home Branch Location—-Free up to Rs.10 lacs per month or 50 transactions which ever is lower, Deposit in excess of Rs.10 lacs or 50 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home-branch city subject to limit of Rs.100, 000/- per account per day) Cash Deposit -Non Home location——–Maximum Rs.100, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home Branch—Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity & Intracity——Free up to Rs.50,000/- per day, beyond which charges @ Rs.2/1000, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. Features & Benefits [pic]Free Account to account funds transfer between HDFC Bank accounts. Free RTGS/NEFT Transactions. Free up to 30 Demand Drafts (DD) per month and can be issued from any HDFC Bank Branch. Free up to 30 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch. Free anywhere collection & payment within HDFC Bank branch network (except Dahej), up to Rs.50 lacs per month. Convenience to withdraw & deposit cash at all our branches* Free 200 â€Å"At Par† cheque leaves per month. Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! Fees & Charges for Trade Current Account [pic]Description of Charges Minimum Balance (Average Quarterly Balance) ——-Rs. 40,000/- Non-Maintenance Charges per quarter———Charge of Rs.1,200/- per quarter, if AQB is less than Rs.40,000/- Cheque Book Charges (Issued by Bank) ———-Payable-at-par 200 cheques leave Free per month. Charges Rs 2/- per leaf beyond 200 leaves Remittance facility through own Bank Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD Free up to 30 DDs per month. Above 30 transactions, charges @ Rs. 25/- per Demand draft Pay Orders (PO) – on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Free up to 30 POs per month. Above 30 transactions, charges @ Rs. 25/- per Pay-order Issuance of DD/ PO through Phone Banking All standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs. 500,000/- are accepted at Phone banking. DD/PO-Cancellation/Revalidation——————-Rs.50/- per instrument NEFT/EFT Transactions: Payments————————Free Collections———————–Free RTGS Transactions : Payments————————Free Collections———————–Free Local Transactions (At home branch location) Local cheques collections & payments————————————-Free Account to Account Fund Transfer within HDFC Bank —————-Free Anynhwere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank——————Free Payments & Collections at HDFC Bank Locations———————Free up to Rs.50 lacs per month, beyond which charges @ Rs. 0.50/1000, min Rs. 25 Bulk Transaction Charges All transactions are subject to a maximum of 150 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and transfer transactions. Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) —–Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation————————————-Rs.50/- per instrument Cheque Collection Outstation through own bank————–Rs. 0.50/1000, min Rs. 25 per instrument Outstation through another bank———-Correspondent bank locations: Rs.4/- per Rs. 1, 000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch Location Free up to Rs.5 lacs per month or 40 transactions which ever is lower, Deposit in excess of Rs.5 lacs or 40 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 50,000/- per account per day) Cash Deposit -Non Home location Maximum Rs.50, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home Branch Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity & Intracity Free cash withdrawals up to Rs.50, 000/- per day, beyond which charges @ Rs.2/1000, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. HDFC Bank Trade offers you a host of features that sets it apart from regular Current Accounts that most banks offer. They are: Free inter-city clearing between HDFC Bank branch locations (except Dahej) up to Rs.50 lakhs per month. Free Accounts to account funds transfer between HDFC Bank accounts, inter-city. Free up to 30 Pay-orders per month. Free up to 30 demand-drafts per month. Free RTGS & NEFT Transactions. Features & Benefits Free anywhere collection & payment within HDFC Bank branch network (except Dahej), up to Rs.25 lacs per month, incremental amount to be charged @ Rs.1.50 per Rs.1,000/-, min Rs.25/- Free NEFT Transactions. Free RTGS collection. RTGS payment @ Rs.100/- per transaction. Inter-city Account to accounts funds transfer between HDFC Bank accounts at a nominal charge of Rs.15/- per transactions. Free Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to Rs.50,000/- at flat cost of Rs.40/-. DDs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch . Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of Rs.40/-. POs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch . Free 100 â€Å"At Par† cheque leaves per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! Fees & Charges for Premium C/A Description of Charges Minimum Balance (Average Quarterly Balance) ————————-Rs. 25,000/- Non-Maintenance Charges per quarter—————————–Charge of Rs.900/- per quarter, if AQB is less than Rs.25, 000/- Cheque Book Charges (Issued by Bank) Payable-at-par————————100 cheques leaves Free per month. Charges Rs 2/- per leaf beyond 100 leaves Other Current Account facilities Issue of Duplicate / Adhoc Statement Branch: Rs 100/- per statement * Phone Banking: Rs 50/- per statement (Non IVR) and Rs 30/- per statement (IVR) Net Banking: Rs 30/- per statement ATM & Mobile Banking: Rs 50/- per statement. Mode of calculation of minimum average quarterly balance Average of daily closing balances of each day spread over a period of three months. Remittance facility through own Bank Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD DD Amount Up to Rs. 50,000 charges Rs. 40/- per DD, Above Rs. 50,000 and up to Rs. 100,000- Rs. 25/-, Above Rs. 100,000- Free Pay Orders (PO) -on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO PO amount Up to Rs. 50,000 charges Rs. 40/- per PO, Above Rs. 50,000 and up to Rs. 100,000 – Rs. 25/-, Above Rs. 100,000- Free Issuance of DD/ PO through Phone Banking: All standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs 500,000/- are accepted at Phone banking. DD/PO-Cancellation/Revalidation———————————Rs.50/- per instrument NEFT/EFT Transactions: Payments————————Free Collections———————-Free RTGS Transactions: Payments———————–Rs. 100/- per transaction Collections———————-Free Local Transactions (At home branch location) Local cheques collections & payments—————————-Free Account to Account Fund Transfer within HDFC Bank ——-Free Anywhere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank Rs.15/- per transaction Payments & Collections at HDFC Bank Locations Free up to Rs. 25 lacs per month, Charges at Rs.1.50/1000, min Rs. 25 Bulk Transaction Charges: All transactions are subject to a maximum of 100 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and transfer transactions. Remittance facility through other Bank: Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) ——-Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation————————————-Rs.50/- per instrument Cheque Collection: Outstation through own bank Rs.2.50 per Rs.1, 000/- for Cheques drawn on HDFC Bank Locations, min Rs. 50 per instrument. Outstation through another bank Correspondent bank locations: Rs.4/- per Rs.1, 000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs.6.5/- per Rs.1, 000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch Location Free up to Rs.3 lacs per month or 25 transactions which ever is lower, Deposit in excess of Rs.3 lacs or 25 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 25,000/- per account per day) Cash Deposit -Non Home location Maximum Rs.25, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home Branch———————————-Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity & Intracity Free cash withdrawals up to Rs.25,000/- per day, beyond which charges @ Rs.2/1000, min Rs. 50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs.50,000/- per transaction. With HDFC Bank Flexi Current Account your Cash Deposit and Anywhere Transaction limits are a multiple of the balance you maintain in your Current Account. So, during peak seasons, you get the benefit of higher transaction limits due to the higher average balances maintained in your account. What’s more, during lean seasons, you need not bother about maintaining huge balances to enjoy high transaction limits, which you anyway may not need. Flexi Current Account requires you to maintain a minimum Average Monthly Balance (AMB) of just Rs. 75,000. Features & Benefits Enjoy dynamic free limits on Intercity Payments, Collections & Funds Transfer as well as Cash Deposit at home location branches based on the AMB maintained* For example, you maintain an AMB of Rs.2,00,000/- in a particular month. Your dynamic free transaction limits for that month would be as per the following table: [pic] Transaction—————————————Dynamic Free Limits* Cash Deposit at Home Branch Location Anywhere Payments, Collections & Funds Transfer (except Dahej) Free up to Rs.1, 00, 00,000/- in that particular month Pay your vendors on a real time basis using Real Time Gross Settlement (RTGS) available across 23,000 Bank Branches*. What’s more, payments and collections through RTGS are completely free! Make and receive remittances to & from your vendors & customers across 20,000 + Bank Branches of more than 50 Banks through Net Banking using National Electronic Fund Transfer (NEFT), Absolutely Free! Free 40 Demand Drafts & Free 40 Pay Orders issued from any HDFC Bank Branch* Convenience to withdraw and deposit cash at all our branches*. Competitive pricing on Demand Drafts drawn on Correspondent Banking Locations as well as Outstation Cheque Collection at HDFC Bank Locations InstaAlert service – receive updates on your account as and when the select transaction happens – all this without visiting the Branch or ATM! The top position is always the coveted position. With the Apex current account, take your business to a new high. On maintaining an average quarterly balance of Rs. 10 lakhs, this account makes sure you make the most of every business opportunities coming your way. Unlimited, free, anywhere Banking experience at the APEX is reserved for you. Features & Benefits Maximum transactional benefits with faster mobilization of funds Average quarterly balance requirement of Rs. 10, 00,000/- Access to more than 750 branches Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation cheques Free Intercity Cheque Collection & Payments within HDFC Bank Network (excluding Dahej). Free Account to Account funds transfer between HDFC Bank accounts. Free payment and collection through RTGS Free payment and collection using NEFT (through NetBanking) Free Demand Drafts which can be issued from any HDFC Bank branch Free Pay Orders which can be issued from any HDFC Bank branch Convenience to withdraw and deposit cash at all our branches* Free Cash Deposit up to Rs. 100 lacs per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- on cash deposit at a non home branch) Choice of local / Payable at Par Cheques. Free 500 leaves per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! . Fees and Charges for Apex Current Account:[pic] Minimum Balance (Average Quarterly Balance)Rs. 10, 00,000/- per quarter Non-Maintenance Charges per quarter:Charge of Rs.5,000/- per quarter if AQB is less than Rs.10,00,000 but greater than or equal to Rs. 5,00,000/-; Rs.10,000/- per quarter if AQB is less than Rs. 5,00,000/- Cheque Book Charges (Issued By Bank) ——–Payable-at-par 500 cheque leaves free per month. Charges Rs 2/- per leaf beyond 500 leaves Other Current Account Facilities Issue of Duplicate / Adhoc StatementRs. 100 at Branch, Rs. 30 per statement through Net Banking and Phone Banking (IVR), Rs. 50 per statement through Phone Banking (non-IVR), ATM and Mobile Banking Mode of calculation of minimum average quarterly balanceAverage of daily closing balances of each day spread over a period of three months Remittance facility through own Bank Demand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DDFree without limit Pay Orders (PO) – on HDFC Bank Location (Issued from Any branch)/ Duplicate PO Free without limit Issuance of DD / PO through Phone Banking————-Free without limit Only DD amount up to Rs. 5, 00,000 for Current Apex Account holders accepted at Phone Banking DD/PO-Cancellation/Revalidation———Rs.50/- per instrument NEFT/EFT Transactions: Payments————-Free Collections————Free RTGS Transactions: Payments————-Free Collections————Free Local Transactions (At home branch location) Local cheques collections & payments——————————Free Account to Account Fund Transfer within HDFC Bank———-Free Anywhere Transactions (except Dahej) Account-to-Account Fund Transfer within HDFC Bank—————————Free Clearing Transactions-Collections &Payment at HDFC Bank locations—-Free Bulk Transaction Charges: All transactions are subject to a maximum of 500 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and funds transfer transactions. Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up)———-Free up to Rs 15 Lacs per month, beyond which charges of Rs. 1.50 per 1000, Minimum Rs. 50/- per instrument DD-Cancellation / Revalidation————-Rs.50/- per instrument Cheque Collection Outstation Cheque collection on HDFC Bank Locations—————-Free Outstation Cheque Collection on non-branch locationsCorrespondent bank locations: Rs.3/- per Rs.1, 000/-, min Rs. 50/-. For Clean locations (non-correspondent bank locations) & non-MICR cheques: Rs 4.5/- per Rs 1000/-, min of Rs 50 per transaction (includes courier charges) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch CityFree up to Rs. 100 Lakh per month or 50 Transactions whichever is lower. Deposit in excess of Rs. 100 Lakh per month or 50 transactions will be charged @ Rs.1/- per Rs. 1000/-, minimum Rs.50/-. (Cash deposit at non- home branches within home branch city subject to limit of Rs.1,00,000/- per account per day) Cash Deposit – Non Home Branch City Charges @ Rs 3 per Rs 1000/-, minimum of Rs 50 per transaction. (Maximum deposit allowed up to Rs 1, 00,000/- per day) 2. Cash Withdrawal Cash Withdrawal-Home Branch———–Free. Cash Withdrawal-Non Home Branch-Intercity & IntracityFree cash withdrawals up to Rs.2,00,000/- per day, beyond which charges @ Rs. 2/- per Rs.1000/-, min Presenting maximum benefits and minimum hassles for you with Max Current Account! With a Rs. 5 lakhs average quarterly balance requirement, we present to you a world of privileges that helps your business expand and grow. Features like maximum free transaction limits including other beneficial features on this current account truly enhances your business potential to the Maximum. Features & Benefits Maximum transactional benefits with faster mobilization of funds Average quarterly balance requirement of Rs. 5, 00,000/- Access to more than 750 branches Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation cheques: Free Account to Account funds transfer between HDFC Bank accounts Free payment and collection through RTGS Free payment and collection using NEFT (through Net Banking) Free Demand Drafts which can be issued from any HDFC Bank branch Free Pay Orders which can be issued from any HDFC Bank branch Free anywhere collection & payment (clearing) up to Rs. 5 Crore per month within HDFC Bank branch network (except Dahej) Convenience to withdraw and deposit cash at all our branches* Free cash deposit up to Rs. 50 Lakh per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1, 00,000/- on cash deposit at a non home branch) Choice of local / Payable at Par cheques. 500 leaves free per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! Fees and Charges for Max Current Account †¢ [pic]Description of Charges Minimum Balance (Average Quarterly Balance) ——–Rs. 5, 00,000/- per quarter †¢ Non-Maintenance Charges per quarter Charge of Rs.3,000/- per quarter if AQB is less than Rs.5,00,000 but greater than or equal to Rs. 2,50,000/-; Rs.8,000/- per quarter if AQB is less than Rs. 2,50,000/- Cheque Book Charges (Issued by Bank) 500 cheques leave Free per month. Charges Rs. 2/- per leaf beyond 500 leaves †¢ Other Current Account facilities Issue of Duplicate / Adhoc Statement Rs. 100 at Branch, Rs. 30 per statement through Net Banking & Phone Banking (IVR), Rs. 50 per statement through Phone Banking (non-IVR), ATM & Mobile Banking Mode of Calculation of Minimum Average Quarterly Balance Average of daily closing balances of each day spread over a period of 3 months. Remittance facility through own Bank: Demand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DD Free without limit Pay Orders (PO) – on HDFC Bank Locations (Issued from Any branch)/ Duplicate PO Free without limit Issuance of DD / PO through Phone Banking Free without limit Only DD amount up to Rs. 5, 00,000 for Current Max Accountholders accepted at Phone Banking. DD/PO-Cancellation/Revalidation———— Rs.50/- per instrument NEFT/EFT Transactions: Payments——————————-Free Collections——————————Free RTGS Transactions: Payments——————————–Free Collections——————————-Free Local Transactions (At home branch location) Local cheques collections & payments——————————————Free Account to Account Fund Transfer within HDFC Bank———————–Free Anywhere Transactions (except Dahej) Account to Account Funds Transfer within HDFC Bank————————–Free Payments & Collections at HDFC Bank Locations (except Dahej) Free up to Rs. 500 Lakh per month, beyond which charges @ Rs. 0.50/1000, min Rs.25/-. †¢ Bulk Transaction Charges All transactions are subject to a maximum of 300 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and funds transfer transactions. †¢ Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) Rs. 1.50 per 1000, Minimum Rs. 50/- per instrument DD-Cancellation / Revalidation—————————–Rs.50/- per instrument †¢ Cheque Collection Outstation through own bank——————————–Free †¢ Outstation through another bank Correspondent bank locations: Rs.3/- per Rs.1, 000/-, min Rs. 50/-. For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs. 4.5 per Rs.1, 000/-, min Rs. 50/- (inclusive of courier charge) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch City Free up to Rs. 50 Lakh per month or 50 Transactions whichever is lower. Deposit in excess of Rs. 50 Lakh per month or 50 transactions will be charged @ Rs.1/- per Rs. 1000/-, minimum Rs.50/-. (Cash deposit at non- home branches within home branch location subject to limit of Rs.1, 00,000/- per account per day) Cash Deposit – Non Home City Maximum Rs.1, 00,000/- per day. Charges @ Rs.3/- per Rs.1,000/-, minimum Rs. 50/- 2. Cash Withdrawal Cash Withdrawal-Home Branch———————–Free at Home Branch Cash Withdrawal-Non Home Branch-Intracity & Intracity Free cash withdrawals up to Rs. 1,00,00/- per day, beyond which charges @ Rs. 2/- per Rs.1000/-, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs.50,000/- per transaction. 2.8 MARKET PROFILE OF THE ORGANIZATION: Company Profile:HDFC Bank Limited Ticker:500180 Exchanges:OTH BOM 2008 Sales:124,140,000,000 Major Industry:Financial Sub Industry:Commercial Banks Country:INDIA Employees:37836 3.1 STUDENT’S WORK PROFILE (ROLE AND RESPONSIBILITIES): I have completed my summer taining in HDFC Bank Limited as a SALES EXECUTIVE. During this training I played some roles and responsibilities are as: ROLE- I have worked as a sales Executive in sales department in HDFC Bank Ltd. My role was to buildup better relationship with Customers. HDFC Bank expects its employees to take up the work of opening current account in their respective locations. My main role was to contact customers and make deal for opening current account, in meeting with customers I represent a demo to customer for current account, are as: RESPONSIBILITIES- †¢ To generate leads for the Bank. †¢ To buildup better relationship with customers. †¢ To increase the sales of the Bank. †¢ To provide awareness about the current account. †¢ To achieve company’s target. 3.2 DESCRIPTION OF LIVE EXPERIENCE: Working with HDFC Bank It was a nice experience. When I entered into the bank, I was very nerves. However after entering I knew the real mean of working with the big organization. We need to follow the rules and regulations of the company. Coming at the exact time in the bank is very important. These things are very important which we need to learn : †¢ How should behave in the organization? †¢ How behave and coordinate with the customer? †¢ How we need to talk to our Boss, our superior and colleges? Working with the HDFC I increased my communication skills. Also I knew the Importance of the coordination among all the employees. All the employees are working as a team. When I was new, the entire employees helped me to learn the work culture HDFC Bank. In this company my work is to buildup the relationship with customers and to provide leads to the company for opening current account and making relationship with the bank. In present time the customers are not very well aware about the HDFC’s products. 3.3 STUDENT CONTRIBUTION TO ORGANIZATION: In this Company I am working as a Sales Executive. In this Organization my role is to buildup better relationship with Customers, and I promote the current account. My contribution towards this organization like: †¢ I provide leads everyday for opening current account. †¢ I make good relationship between Bank and customers. †¢ I provide awareness about the current account through some demos and calling. †¢ I help in making some useful marketing strategies. 1. RESEARCH INSTRUMENT : A questionnaire was prepared with the relevant questions consisting mainly of closed end questions especially dichotomous type which offered the respondents between only two alternatives either (Yes/No). The respondents were personally met and the collection of information was properly administered to avoid non-respondent error. The primary data is collected by cold calling from respected place of branch. The data is collected by using a questionnaire, which is given as an Appendix at the end of this report. 2. SOURCE OF DATA : The study is based on both primary and secondary data. Most of the findings are based on the data collection through interaction with customers. A structured disguised questionnaire is prepared together the information. Close as well as open-ended questions are asked. Some multiple-choice questions are also included. 3. RESEARCH DESIGN AND METHODOLOGY: Main Methodology -: Collection of Primary data (Consumer and Market Research) through Personal Questionnaires & Collection of Secondary Data (Study of various Current Account) through Computer Data, Web sites, Books and Magazines. FIELDWORK: The respondents are personally interviewed, for about 3 to 5 minutes on an average to collect the data. The format prepared beforehand was strictly adhered to. Though it was sufficient in itself and could be matched to prospective respondents, personal interviews are conducted to be able to make first hand observation that would reveal some useful information about the subject of study. RESEARCH ANALYSIS: After the collection of data I have categorize the data into – †¢ Primary Data †¢ Secondary Data As we know the data collected in primary mode is more reliable in the comparison of secondary data. So we depend more on the primary data. SOURCES OF PRIMARY DATA: †¢ Survey †¢ Personal SOURCES OF SECONDARY DATA: †¢ Through internet †¢ Branch manager approvals †¢ Personal vehicle dealers †¢ Brochure of the bank 4. SUMMARY OF FINDINGS: The Housing Development Finance Corporation Limited was introduced in 1994, after the Reserve Bank of India approved private sector banking. Operating in over 300 Indian cities, HDFC Bank has over 700 branches and 1600 ATMs. It offers personal, NRI and wholesale banking services. Net profit for the March 2006-2007 reached Rs. 1,141.5 crore. In early 2007, HDFC officially entered the microfinance market and opened branches that provide funding to self-help microfinance group. After finding primary and secondary data I find: 1. Customers don’t know about the advantage of our current account. 2. Customers are less aware about the benefits Providing Company. 3. Customers have no more knowledge about the HDFC Bank limited. 4. HDFC reduces the complexity of current account. 5. HDFC provides best way to earn more profit. 6. HDFC is beneficial for making profit and various types of works. 7. The procedure of HDFC is very easy. [pic] 1. SUMMARY OF LEARNING EXPERENCE: HDFC Ltd has the objective to enhance residential housing stock and promote home ownership. Their offerings range from hassle-free home loans and deposit products, to property related services and a training facility. They also offer specialized financial services to the customer base through partnerships with some of the best financial institutions worldwide. HDFC Bank began operations in 1995 with a simple mission: to be a â€Å"World-class Indian Bank†. We realized that only a single-minded focus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internationally. So that I learn many important things from HDFC and market are as: 1. I have gained live experience of marketing. 2. I find all types of help from my training in charge. 3. I have gained knowledge in the field of HDFC. 4. I find there are many customers are not aware about the HDFC. 5. I find there are lots of opportunities in the Banking Sector. 2. CONCLUSIONS AND RECOMMENDATIONS: Conclusion HDFC Ltd has the objective to enhance residential housing stock and promote home ownership. Their offerings range from hassle-free home loans and deposit products, to property related services and a training facility. They also offer specialized financial services to the customer base through partnerships with some of the best financial institutions worldwide. HDFC Bank began operations in 1995 with a simple mission: to be a â€Å"World-class Indian Bank†. We realized that only a single-minded focus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internationally. . Besides we also have a dedicated technical team as well as customer care services and its procedure is also very simple. Recommendations 1. To provides awareness about Current Account and its uses to customers. 2. To open maximum and Big accounts for getting more profit. 3. To target not only metro cities, target all big and small city or village. 4. To build the customer relationship 5. To improve its marketing strategies 6. To improve its selling process [pic] COPY OF QUESTIONNAIRE: 1. Are you aware about Current Account? a. Yes b. No 2. Are you aware about current account providing HDFC Bank? a. Yes b. No 3. Are you aware about HDFC Bank Limited? a. Yes b. No 4. Are you aware about the procedure of Current Account? a. Yes b. No 5. Is HDFC reduces the complexity of Current Account procedure? a. Yes b. No 6. Is HDFC provides you cheap and best way to earn money and to make you a independent owner? a. Yes b. No 7. Are you aware about the profit volume ratio doing business with HDFC? a. Yes b. No 8. Are you interested to open current account in HDFC Bank ? a. Yes b. No BIBLIOGRAPHY: 1. www.hdfcbankltd.com 2. www.hdfc.in 3. www.google.com 4. Business Today 5. India Today [pic] ———————– Sales Executive Team Leader Sales Manager Area Sales Manager Area Sales Head Regional Sales Manager Zonal Sales Manager National Sales Manager