Interpersonal Violence and Abuse and the LGBTQ Community Essay

Realizing that one of the discoveries about IPV or DV is that it actually cuts through cultures, class, race, creed and colour. Although allegations after allegations that there is no sufficient data about same-sex IPV to fully support whatever theoretical viewpoints there may be on the factors that lead to such occurrences, there have been readily available information to provide the reader with knowledge to understand the issue. If individuals managed to hide their gender preference or homosexuality there is a greater tendency that IPV later on will also be manageably hidden creating potentially risky behaviors as a consequence. I am dismayed that within the MSM (Men having Sex with Men) and Lesbian couples the incidence of them being batterers and them becoming repeated abusers because oftentimes they use isolation as a weapon against their victims. This is their strategy to ensure that they can control their victims. Support services for victims are not necessarily effective due to the nature of the liaison, i. e. , the stigma attached to the LGBT kind of relationship is likely to deter a victim to request or ask for help . Since statistics demonstrate that the prevalence of GLBT IPV/DV is as common as its heterosexual counterpart, the degree and kind of abuse that are inflicted mirror what are commonly occurring in any domestic violence. Just as there may also be a possible resulting homicide, cases of femicide are the most common in either gender categories. For many of the sufferers reporting from fate as survivors of IPV, GLBT victims confess of the issue over power and control where the perpetrator customarily exhibits jealousy and control over the victim. It overwhelms me also to think that size does not guarantee that there is no victimization. In the articles, female Batterers for instance play convincing roles in duping authorities or police officers into thinking that they were the victims by reason of their small size (Fountain and Skolnik, 2007). Age-range prevalence is an aspect that researchers find difficulty in making fairly accurate or close to accurate approximation. Teens in GLBT set-ups provide the lowest data primarily because teens fear the ramifications for reporting. Let me emphasize again here because I am really moved into thinking about a very close friend of mine who into this kind of relationship and suffered the same fate. One of the concepts pointed out in literature values the role- identification that each partner assumes. It refers to the accepted notion the unknowing public assumes that the batterer usually is the â€Å"masculine† (whether in male-male or in female-female/transgender relationships); something to do with â€Å"physical size, strength, appearance and mannerisms,† as well as economic standing as common bases (Miller et al. , 2000). However this may be true in some of the cases, the profile of batterers are diverse. One distinct difference between same-sex and heterosexual IPV is the significant disparity between sex differentiations on physical violence as presented by Archer (2002). Moreover, the elements of alcohol and drug abuse are not discounted; prior experience as children to domestic violence is also another factor and the force that is known as â€Å"patriarchal power† that is imposed on the relationship is widely known. Literature conclusively added the factor on perceived power or powerless ness as significant in the rise of partner violence in both heterosexual and same sex relations. Researchers point to a curvilinear relationship which refers to the rate of violence among those partners whose status is high or lower (Miller et al. 2000). Attachment styles, whether the issue is on the gender preference or the occurrence of violence in the home or in partnership are examined, is in most cases a primary consideration. Understanding how the batterers (including their victims) have gone through their growing up years give clue to the present treatment they give to their partners. Attachment styles have been thoroughly studied and are proven to be vital influence to the developing individual and the adult in transition. It is therefore recommended that further studies be made on the correlation of attachment styles and potential violent behavior a person may manifest in a relationship especially among the GLBT population where data is still inadequate. It is worthwhile to note also that the WHO’s global strides to make domestic violence a worldwide agendum along with other forms of violence (source:www. who. int/mediacentre/news/releases/2005html) is a big and very positive step to reduce the worldwide incidence.

Explain the Muslim idea of Religious Authority Essay

Revelations are the way in which we receive knowledge of God and this is done through the Holy Books. In the Christian tradition there is an understanding that the Bible is a medium of revelation (Prepositional view), this is where the truths recorded by God are recorded, there is also an understanding that revelation is the way in which God acts with human experience through history (non-prepositional view) In Islam religious authority comes from God via the Qur’an through the process of tanzil. The Qur’an tells them about God and gives them guidance ‘this is the book in its guidance is sure without doubt’. The Sunnah and the Hadith are also sources of authority. The Sunnah, which is the life example of the Prophet Mohammad, is a source of authority because he was a wise and trustworthy man who settled tribal disputes. The Hadith is also a source of authority because Muslims look to Mohammad because he showed true obedience to Allah’s commands. The Imam also has authority, the Shi’ites believe the Imam possess spiritual ability and divine light but the Sunnis simply see the Imam as a leader of prayer who has no superior status. The Shariah is also part of religious authority because this is the Islamic law for Muslims and it gives all the basic rules and regulations as to how human beings should live and act in a political, economic, social and collective individual spheres. The Shariah looks at family life, inheritance, marriage, food regulations and divorce for example Muslims must eat halal foods, those that have been slaughtered by the neck vein being slit and blood drained whilst the name of Allah is invoked. Muslims follow the Shariah so that they are doing what is good and right according to God and removing evil from society, which works through the process of Greater and Lesser Jihad. Greater Jihad is about establishing maruf (right) and removing munkar (evil) from yourself ‘A Muslim learns to control his own bad desires and actions’. Lesser Jihad is the struggle of the Muslim community to remove haram from society. Evil will always exist in society and a Muslim must resist this by showing true dedication to Allah’s commands. In Islam Allah is the main source of religious authority and to help Muslims to show they are showing their authority towards God, Muslims believe that Allah allows evil and suffering in the world to see if they do what is right. Muslims have free will and believe that everything is pre-determined and that Allah knows the present, the past and the future of every creature but this does not mean that man has and freedom of will, its just that they have the choice to obey or disobey Allah and that this will show on the day of judgement whether they will go to Heaven/ Hell because all their actions are judged. Religious authority from the Qur’an is seen to govern every aspect of life for example women in Islam are seen as the most important in the family. She is the one who should keep a halal home and to make sure food and dress laws are kept. The teachings of Islam is that women should have total equality in religion and education but they can never be fully equal, for example the husband has more power but with that comes a lot of responsibilities to perform ‘ The man has full responsibility for the maintenance of his family’ therefore a man has more inheritance than a women’s because his need is seen to be greater. Through the 5 Pillars Muslims are seen to be showing obedience to Allah’s commands this is because they are a very intense and personal struggle to abide by and through reading the Qur’an Muslims believe that it enhances there spiritual development because it is the word of God. They believe it is the pure word of God because it is seen to be a perfect copy of a timeless document. In Islam the Qur’an is more important than the Bile/Torah because they where seen to be distorted to suit their believing communities and the revelations in the Qur’an are believed to be recorded when Mohammad received them. The other basic beliefs of Islam such as Tawhid are also seen as authority. Tawhid implies that everything is created by Allah; it is the belief in Allah with all his powers. It is a source of authority because this is one way a Muslim fulfils Allah’s commands as it reveals Gods loving and caring nature. From a non-religious perspective a philosopher would look to reasoning to emphasise human freedom to make moral choices. They would argue that all of humanity relies upon their conscience to decide what is right and wrong, and for many this authority does not come from God. However from a Christian perspective this higher level of consciousness comes from God. In Islamic terms we gain our conscious awareness from Quranic teachings about Akirah which gives us focus for this temporary life on earth, from taw hid which reveals the qualities of God that we should aim to develop in our own hearts (such as love and compassion), and Al Qadr which ultimately points to a pre-determined path which only God knows about he does not dictate.

Bloom

# 8217 ; s Taxonomy Essay, Research Paper Bloom? s Taxonomy is the higher order of thought. Imagine a pyramid ; to acquire to the top, you must first complete what is on the underside. Bloom? s Taxonomy is divided into 6 different subdivisions, each one stipulating what accomplishments are being demonstrated. The first and easiest block is knowledge. In cognition you observe and callback of information, cognition of day of the months, events, topographic points, major thoughts, and of capable affair. Some hints to place cognition is if it asks or you list, define, state, depict, place, demo, label, collect, examine, tabulate, quotation mark, name, who, when, where. The 2nd measure would be comprehension. Comprehension consist of understanding information, appreciation significance, interpret cognition into new context, interpret facts, comparison, contrast, order, group, infer causes, predict effects. Keywords to descry Comprehension would be: sum up, depict, construe, contrast, predict, associate, distinguish, estimation, d ifferentiate, discuss, and extend. Layer figure three is Application. This is where it starts to acquire harder. Application involves utilizing information, methods, constructs, and theories in new state of affairss, work outing jobs utilizing needed accomplishments or cognition. Look out for these words to assist you place application: apply, demonstrate, calculate, complete, illust rate, show, solve, examine, modify, relate, change, classify, experiment, and discover. Step four is Analysis. Analysis involves seeing patterns, organization of parts, recognition of hidden meanings, identification of components. Question Cues: analyze, separate, order, explain, connect, classify, arrange, divide, compare, select, explain, and infer. The second to the last step, Synthesis, is hard, because now not only do the questions have to be answered for this, but the other steps should be done as well, to be able to fully understand. The elements that contribute to synthesis are: use old ideas to create new ones, generalize from given facts, relate knowledge from several areas, predict, and draw conclusions. Clue words include combine, integrate, modify, rearrange, substitute, plan, create, design, invent, what it?, compose, formulate, prepare, generalize, and rewrite. Last and definitely the hardest because incorporate all previous 5 steps, is Evaluation. Evaluation compare s and discriminates between ideas, assess value of theories, presentations, makes choices based on reasoned argument, verifies value of evidence, and recognizes subjectivity. Suggested hints include assess, decide, rank, grade, test, measure, recommend, convince, select, judge, explain, discriminate, support, conclude, compare, and summarize.

To what extent is the personal thinking more reliable than shared Essay

To what extent is the personal thinking more reliable than shared knowledge for decision making - Essay Example Personal knowledge can only be reliable when the objective or the aim is not broad. When an individual is working alone, there would be less of influence in decision-making, making the scenario more comfortable. Again, lone thinking can save time since there would be no need for discussions or consultation. T provides a situation where someone feels settled and can come up with mature conclusion without further influence. However, the knowledge achieved or shown cannot be compared to the extend through which the situation could be if the knowledge was to be shared. For instance, during an examination, the best way to test certain area of thinking is through taking certain task individually. Examiners set tasks to try on levels of personal knowledge, which can only be tested while alone. Therefore, although, knowledge bring out more advantages while shared, it primary structure or basics are related to personal knowledge. Without individual knowledge, there would be poor shared knowle dge. Another example of benefits of individual thinking is that, it would be easier to look at or see the weaknesses and improvise the best strategies to correct those issues. For instance, a tribe, community, society or even a country can only have one leader. Although there are others, basically, the knowledge of that single leader would determine the developments and guidance within the country. The leader serves as the overall and final decision maker. Therefore, the conditions within that specific leadership empire would be determined by final decision of only one person, the leader. Therefore, personal knowledge might be to some extend reliable. However, shared knowledge bares the largest advantage in decision-making. For instance, from the history, people could provide their territories with security and earn rights to live with

Discuss how continuity and progression can be promoted in physical Essay

Discuss how continuity and progression can be promoted in physical education in the transition from Key Stage 2 to Key Stage 3 and in teaching and learning acro - Essay Example Continued school developmental work on transition from KS2 to KS3 is improving continuity and progression in physical education between the key stages in a number of areas of activity. Physical education provides a valuable involvement to the whole school curriculum. Students are engaged in developing their knowledge, skills and awareness within a range of physical activities so that they can perform with growing competence and poise. PE provides the chance for students to be innovative, competitive and work cooperatively together, i.e. to know-how to work as a team, in a variety of contextual situations. The diverse learning exposures within physical education tend to encourage spiritual, social, cultural and moral developments with personal growth in terms of self-confidence and self-esteem. The whole PE experience provides cerebral and physical challenges which promote positive approach to learning [3]. Physical education teaches students the importance of exercise and its role to maintaining a consistent healthy lifestyle. It exploits a range of psycho-motoring skills and develops stamina and strength. Students transferring from KS2 to KS3 get to build and maintain physical prowess, as well as to increase their mobility and flexibility. They develop the capacity to express their ideas freely and build upon the ability to be able to produce skilful and creative solutions to problems. PE allows the cultivation of personal qualities of commitment, passion and fairness. It enables the development to appreciate physical concepts of fair play, honest friendly competition and build-up on good character. They build upon the ability to appreciate the artistic qualities of physical movement. PE teaches the students to develop confidence by understanding the capabilities and limitations of oneself and others. Students are further taught to respect and obey logical instructions, regulations a nd able to always put these into

Makeovers Essay Example | Topics and Well Written Essays - 500 words

Makeovers - Essay Example It is through our outward appearances that we project who and what we are to other people. Regardless of how much an individual resembles the idealized images portrayed on movies and in television programs, though, there is a clear and consistent message that the average viewer sitting at home is never ‘good enough’. â€Å"Indeed Smith believes that women view their bodies as ‘objects of work’ requiring attention and upkeep in order to operate well and promote the desired effect†. Weintraub quotes Extreme Makeover creator Nely Galan regarding the reasons she started her reality show. â€Å"You know, women are always saying, ‘Oh, if I had a personal trainer and chef like Oprah, or liposuction like actresses do †¦Ã¢â‚¬â„¢ Well, we’re going to give them that.† Critics of these shows discount the professed counseling and other therapy offered as meaningless coatings on the real issue at hand, which is â€Å"getting you that new b od, the one that will make all your friends and family at last see you as being ‘hot’.However, for many people, being able to classify themselves as being in the ‘in crowd’ is all they need to feel the confidence necessary to make the changes that lead to a better life. It is this hope for the future that the programs play on, both for those participating in the program and for those at home watching their television sets. With confidence that your home, your garden, your abilities, etc.

Lobbying and Legislative Red Tape Impacting Reform Research Paper

Lobbying and Legislative Red Tape Impacting Reform - Research Paper Example Governments have been working on reducing red tape especially in America and Europe. Red tape hinders competition and productivity in any organization. Companies and citizens find it difficult to comply with the overburdening requirements by the government. These rules have become a burden to businesses and society at large (Nova Scotia, 10). This is why controlling of policies and guidelines is exceedingly significant. However, the advocating for reduction in red tape could impose more harm to the businesses by adding more regulations. Some researchers argue that only green lobbying can prevail over red tape. This green lobbying will ensure that only the relevant regulations concerning taxation and other significant issues will be stemmed out. The regulations which most affect businesses are to be stemmed out to allow for the growth of businesses. These green tactics can improve the economy of the country and, therefore, the quality of life. There has been massive lobbying involving non-governmental and governmental groups. These groups have been fighting for few rules and regulations which involve the economy and especially small enterprises (OECD). These measures prohibit the existing obligations and are also working to simplify the obligations. The simplification of the red tape regulations largely depends on the problems that are facing the society at large. Simplification also includes simplification of licenses and reducing the procedures involved in obtaining the licenses. The setting up of new procedures a ccording to the lobbyists is extremely significant. These new procedures have to be incorporated in the institutional setting of strategy creation. Red tape causes an increase in problems connected with excessive government regulations of businesses. Campaigns regarding bureaucracy will be of use if they entail efforts by individuals both in the inside and outside of red tape. The people on the inside

Interpersonal Communication Essay Example | Topics and Well Written Essays - 1750 words

Interpersonal Communication - Essay Example I have been a very active sportsman throughout my academic career, back in Hong Kong I used to be the captain of my school’s badminton team and our team had won many inter-school tournaments and thus got many laurels for our school. After leaving Hong Kong for the States I had never realized that it would be so difficult to adjust in the new country. Apart from studies, I knew that sports and badminton in particular would be a regular activity for me, since I considered myself very good at it. However, when I came, I had to give the trials like everyone else for the selection of the team. I was selected in the playing eleven, but the positions of the team players were to be decided in the practice sessions. During our practice, I must admit I realized that the standard of the players selected for the team was excellent; however I was hopeful about getting the position of the central mid-fielder. That was the position I had played for years and was very good at. I was also expecting to be the captain of the team, which comprised mainly of Americans, I was the only Chinese and there were two Asians in the team. I believe that amongst the major factors that I found different from China was the culture shock in terms of individualism and collectivism. I come from a culture where families live together and decisions are taken after a consensus of the family but in the States, the independence the children have to live their life and make their decisions baffled me a little. I also missed my family quite a bit due to which I had become despondent, that is why I feel that I blamed everything on my nationality. That I think is quite a contributing factor to this conflict. A relief however is the fact that because of the empowerment and independence that students have in the States, I could at least talk the matter out with my coach. Had I been stuck in the same situation in China I would not have had the leverage to discuss this with my coach. This lack of freedom, I feel has hampered my ability to communicate. Since I have never had to argue with my seniors, to be able to convey my opinion I feel that I was at a disadvantage and my negotiation skills were not very apt for a discussion with the coach, which is why the clarification which I tried to seek turned more or less into an argument. I also felt that since m y coach is such a senior person and at a position of authority, he expected the team players to accept his decisions as right and trust them, therefore I feel my seeking clarification might have angered him a little, as he might have seen it as an insult to his credibility. Evolution and Characteristics of the Relationship My interpersonal communication problem is between me and the coach of our team. I feel that part of the problem existed with my pre-decided notion that I might not get adequate representation in the new college because of being a Chinese. For this reason, if ever I was denied a chance at anything I used to blame it on my nationality. Therefore, when I was not given the position of the central midfielder, I thought the coach was biased because mostly the central midfielder becomes the captain of the team and thus, I was sure that the central midfielder would be given to an America national and so was the case, which served to substantiate my doubts. The

The Place to Work in the Bank Essay Example | Topics and Well Written Essays - 500 words

The Place to Work in the Bank - Essay Example For this to happen, you need to put your best foot forward and we would expect you to adhere to the rules and regulations that govern the professional conduct here. The working hours are fixed, though, you may come in a bit late with the prior permission of your manager. Do remember to inform your manager in advance so that the customers do not have to wait at the counter or in your office. You have to ensure that you abide by the timings and if you have put in extra hours, you can claim overtime for it. Note that overtime does not apply to the managerial cadre. Your attire must be professional and it must not be flippant or causal. Men are expected to wear ties and optionally a jacket or a suit. Women are expected to dress professionally in business suits. No jeans or sneakers are allowed on all days. On some Fridays that are specially designated, you may come in casual attire. These days would be intimated to you in advance and most of the time there would be some fun and frolic along with celebrations of special occasions in the office. You are not allowed to have food or drinks at your work seat. There are designated cafeterias for these. You are expected to be civil with the customers and put up with minor irritants in their behavior towards you. However, you may raise the issue with your manager if you feel that a particular customer is behaving badly with you.

Gambia Essay Example | Topics and Well Written Essays - 250 words

Gambia - Essay Example ns is directed towards a combination of conflicting factors: while he is firm in his stance on the need to provide healthcare to all that need it, including women who could not afford healthcare services, he also believes that national restraint is important. The minister repudiates the idea of bailing out private facilities making the situation a relatively complicated case at face value. On top of all of this, aside from voters, most of the hospitals that receive referrals of trauma status cases are private entities. There is also an issue that is cropping up that large private medical centers are trying to prevent the possibility of not being paid by the national government because of new healthcare policies, choosing to convert their healthcare service organization into a private payer only. In a nutshell, the problem is that more pregnant women who any time from now may need healthcare service. Some of these women rely on healthcare insurance to be able to afford or receive serv ices; however, there are also those who have no healthcare insurances at all. There is a greater complexity in the situation in that the examination and treatment for emergency medical conditions and women in labor in Gambia aspires that regardless of the capacity to pay, every patient should be served or provided with emergency health care service by any medical center involved. 1. Emergency services for women labor can be subsidized by state funds. However, this does not guarantee that there will be no excess in medical costs. This subsidy is expected to be just under the radar considering that values and expenditures should be minimized. Hence, women belonging to the poverty line, or those who could not afford to enroll in any healthcare insurance, should enroll in a low-cost, comprehensive healthcare insurance that is available through public healthcare insurances provided that they are 21 years old and below. For pregnant women who have special conditions such as diabetes or

Cause and Effect Technology Essay Example for Free

Cause and Effect Technology Essay Technology continues to make progress every single day in society. Schools, the workplace, and even homes have advanced so much over the past twenty years. As technology starts to take over every little part of people’s lives, some new advances may end up as the â€Å"next big thing† and others may slowly destroy the ways of human life. First, technology in schools, which have adapted so many new advances in even the last five years. A cause of increased use of technology in classrooms could be the pressure to do better with the resources they were given. This can lead to three consequences such as a cheating, easier access to information, and they could even use technology as a sort of tutor. Second, the workplace has adapted to all the new technologies maybe even faster than schools. Businesses search for a more productive way to run their operations. The increased usage of technology in the workplace has a very dangerous outcome which usually manifests in stress. Three causes of the stress in the workplace could be due to technology such as malfunctions, job insecurity, and certain medical issues when the employees use the technology all the time. Last, these new technologies even have tried to make life at home simpler for everyone. Things may seem like they are there to help you, but in the long run these new techniques may end up turning out poorly. Since the new technology has been brought about, there are more ways to find a recipe than just looking in a cookbook that was found in the kitchen cupboard. This may end up in obesity for in the long run and may not even see it coming. The effects of the increased usage of technology has caused the way people live their lives at school, at work, and at home to change drastically. As more schools tend to adapt to the â€Å"technology wave† there has been an increase of discussion about whether the advances of technology in the  classroom help the students learn better, or if it distracts them from actually doing the work themselves. These types of improvements increase the pressure of succeeding academically. One result of the growing amount of pressure on a student is that children are able to use technology as a tutor. Whether it is used as an educational social media to connect peers together outside of school, or even just simply being able to go to a search engine and gain the same knowledge that could be learned in the classroom. The internet is a great tutor if the resources are used properly. Another ramification of the flourishing amount of pressure put on a student because of the increased use of technology in classrooms is that information is far more accessible than before. Due to the mass amount of information available, everything is one click away. With the use of tablets, students are able to practically hold an entire encyclopedia set in their hands. The third effect of the increase of pressure among students is the fact that academic dishonesty is too easy. Since it is so easy to gather information from other sources besides your own head when you are stuck, this can lead to dangerous temptations of cheating in school. Workplace stress is a serious consequence that employees experience because of the increased use of technology in businesses. One reason stress is created at work, related to the escalating use of technology, is due to technological malfunctions. When technology does not work correctly, employees can lose important data, miss deadlines, and slow down production. This can not only have harmful effects, but become a waste of time. Another reason stress is created in the workplace is due to job insecurity. Technology is able to do jobs that more efficiently and at a cheaper cost than what a human would do. Since the increased use of technology, robots are now able to perform simple tasks with no mistakes like the assembly line, to more complex situations like medical procedures. Companies save thousands of dollars by making the transition to robots. This creates stress on employees seeing the possibility of jobs being replaced by a robot. The last cause of this stress is the risk of medical injuries. Technology may be able to reduce some medical risks that employees had with their job, but now there are medical conditions that are arising because of the technology that workers use. Since companies are starting to use more robots, they do not  know what is going on at all times besides they are programmed what to do. Any incident could happen at any second because the robots do not stop unless a human presses a button to make them stop. The increased use of technology at home has been a blessing. Senior citizens and other adults that were not once used to technology, now are using it more than ever. For example, with the increasing use of technology, cookbooks are almost at the point of extinction. Before, when families wanted to make a new recipe for dinner, they had to get all of their cookbooks out and try to make their own recipe. This has all became simpler due to the internet. Practically any recipe can be found on the internet today. Although many recipes are so accessible, finding the perfect one may be difficult, which leads to frustration. They may not have the exact ingredients needed to make the meal or may not want to take the time to create a dinner for the family. Therefore, the outcome of someone becoming frustrated with technology could result in fast food or take-out options. Since technology has become so advanced, food can be ordered online and delivered to the door. This would cause people to become much lazier. Technology then could become the staring point of obesity. Instead of families going out and getting the food, or going out to the store and getting the ingredients for the meal they just get on the computer and order their unhealthy choices, which could lead to obesity, due to the convinces of technology, and creates a lack of exercise. Overall, technology has become a great tool for everyone and has helped paved the way to success for many. Sometimes technology does not work the way it is supposed to and causes problems to arise. But luckily, technology is slowly becoming more useful and less of a hassle. Whether technology is used at school, work, or home it has changed the way people live their lives dramatically.

Detecting starch and sugars in food Essay Example for Free

Detecting starch and sugars in food Essay Aim: To detect the presence of starch and sugars (glucose and fructose) in different food sources. Background: We have many different foods in daily life and many of them contain nutrients like carbonhydrates which are essential to human life. Starch is a polysaccharide, a group of nutrients known as carbonhydrates. Glucose and fructose are monosaccharides, simpler carbonhydrates which are often refered to as sugars. In order to detect the different carbonhydrates content in ranges of food, we used two theories in our experiment. Firstly, starch can react with iodine to create a blue product. Secondly, glucose and fructose are reducing sugars which can be tested by Benedict’s reagent, because the reducing sugars which contain aldehydes group produce red copper(à ¢ ) oxide precipitate when react with Benedict’s reagent. Materials and equipments: 2cm3 of 1% starch solution, 2cm3 of 1% glucose solution, 10 cm3 of 1% iodine solution, 30 cm3 of 1% Benedict’s reagent, small amounts of different type of food (mushrooms, potatoes, bread piece, sweet potatoes, lemon, onion, biscuit, cucumber, tomatoes, peanuts,lettus, tomato sauce, dark green vegetables, milk, cereal), white tile Ten test tubes, test-tube holder, test-tube rack, Nusen burner, Heat-proof mat, safety glasses Procedures: 1. Three drops of 2cm3 of 1% starch solution was placed onto a white tile and three drops of iodine solution was added and observed the solor change. 2. 2cm3 of glucose solution was placed into a test tube and added about five frops of Benedict’s reagent and boiled gently. Observed the color change. 3. Placed small piece of ten foods in ten test tubes and added one drop of water, three drops of 2cm3 of 1% starch to them respectively and orderly. (mushrooms, potatoes, bread piece, sweet potatoes, lemon, onion, biscuit, cucumber, tomatoes, peanuts) Oserved the color change and made records. 4. Placed small pieces of ten foods into ten different test tubes and added one drops of water, five drops of Benedict’s reagent to them in order and respectively. (lemon, lettus, tomato sauce, cucumber, tomato, dark green vegetables, milk, biscuit, cereal, sweet potatoes) And boiled each test tube gently and observed the color change. 5. Made a conclusion based on results. Result 1.In procedure 1, the color of solution changed to blue-black when starch solution reacted with iodine solution. In procedure 2, the color of solution changed to orange-red when the glucose solution reacted with the Benedict’s reagent and was heated. 2.The diagram(fig.1) below shows what I observed directly after the procedure 3 : Food source Color change Mushroom Potatoes Blue-black Bread piece Blue-black Sweet potatoes Purple-blue Lemon Onion Biscuit Blue-black Cucumber Tomatoes Peanuts 3.Then,the diagram(fig.2) below shows what I observed directly after the procedure 4: Food source Color change Lemon Red-orange Lettus Dark purple-red Tomaot sauce Orange Cucumber Red-orange Tomato Orange Dark green vegetable Milk Light orange Biscuit Orange Cereal Orange Sweet potato Red-orange Analysis: 1. In my whole experiment, the procedure 1 and 2 were used as testing thoeries to give us a standard to testify whether certain food source contained certain kinds of carbonhydrates. If in procedure 3 the food turned color near blue or purple, the food must contain starch inside. What’s more, if in procedure 4 the solution in the test tube turned color near red or orange, the food msust contain reducing sugars glucose or fructose. 1. From the information and results I gathered from fig.2, I was able to figure out whether each food contains sugars glucose and fructose or not. The list was shown below(fig.4): From the diagram above we can clearly see that except dark green vegetables all the foods remained contain sugars glucose or fructose. Evaluation: During the experiment, our group made several mistakes and I listed them below to evaluate them respectively. 1. At the beginning of the experiment, during the process of adding water to the washing powder solution to 500cm3. We first ingnored the bubbles above and filled the water till the 500cm3 scale but later on we found the water was much more than 500cm3, so we repeated the experiment from the starting point once again. This time, I controled the water very carefully by pouring it softly along side the walls of the beaker and measuring cylinder to make sure there’s no bubble made during the procedures. My improvement was successful and at the second time we added water accurately to 500cm3. 2. The color of final solution in test tube â€Å"2.5mgdm-3† was as dark as that of the solution with 10mgdm-3and it’s not consistent with the general trend of other solutions. I considered the whole procedure of our experiment thoroughly and thought of two possible errors. Firstly we could have made that firstly we might add more than 5 cm3 standard detergent solution to the test tube. Secondly, because before using the 1000cm3 beaker to heat the test tube we used 500 cm3 beaker at first then we found it too small to hold six test tubes so we removed two test tubes out of the water and then put them into the bigger container. Maybe one of the two previously heated test tube was the â€Å"2.5mgdm-3† one and it’s darker because it has been heated for seconds before others.

Analyse The Hotel Industry In Uk Tourism Essay

Analyse The Hotel Industry In Uk Tourism Essay It is very important that in todays competitive environment, (both in terms of business and employability) one has a clear understanding and sufficient knowledge of the sector or industry in which they would be operating. This report will be looking at, and analysing the Hotel industry in the United Kingdom, examining industrys micro and macro environment. Its purpose is to examine the industry with intention to gather market intelligence that would support prospective managerial development, career aspirations and prepare them for sufficiently informed participation at interviews. Findings from the report should therefore, enhance their business knowledge and employability prospects in the industry. The report will focus on the last five years which have in fact seen the industry at its best and at its worst in just a few years. A number of different data sources would be utilised such as industry reports, news paper articles and various websites related to the industry. INDUSTRY ANALYSIS Industry overview The hotel industry and tourism in general is one of the worlds main growth industries worth trillions of ponds globally. According to a key note report (2009) the hotel industry in the United Kingdome grew by 29.1% in four years to 2008, reaching a staggering  £15.87 billion. This growth was attributed to a number of factors, such as the high disposable income available to people, introduction of low cost airlines and the rapid expansion of budget hotel sector. With hotels that opened up to a wide range of customers combined with cheap flights and high disposable income people could have more than one holiday a year. This in turn benefited the hotel industry as a whole from both foreign and domestic tourists. This vibrant growth, however, has seen a change in its fortunes in the last two years, due to a number of factors but mainly the economical downturn. In 2008 global economy took a turn for the worst and the problem deepened in 2009, leading to recession in most developed economies and UK was no exception. This had an immediate impact on holiday purchasing with research suggesting that a significant proportion of adults thinking of saving money by having a domestic holiday in 2009, while 25% of them were worried they could not afford a holiday at all (KeyNote 10). This has led to many hotels adapting to the situation by reducing prices or offering lucrative promotional deals to meet the market expectations and improve sales. The hotel industry could be divided into two sectors, corporate and consumer both providing services to meet their particular clients needs. The first one includes accommodations paid by businesses, for business travel purposes and the latter is paid by consumers for non-business reasons. A grading scale based on a star system is used to classify the quality and range of service provided by the company. The grading is comprised of 1-5 stars, where one star represents simple accommodation with no thrills attached and five stars represent exceptional quality of service with some degree of luxury. In some situations Silver or Gold may be added to Hotels that exceed the requirements under the star system. It is estimated that 1 one in every 10 people in the UK is employed in the Hospitality industry, in other words over 1.96 million (2007) people working in around 300,000 establishments across the country. Overall employment in this industry grew by 5% in 2007 but the Hotel sector had the lowest growth with only 2.7% adding another 6,500 jobs to the existing 238,500 jobs that existed in the previous year (Table 1.2). Major cities accounts for the highest concentration of hotels in the UK and are thought to attract the highest level of tourism activity with London leading the way. Market size trends During the economic boom of the late 90s and early part of this decade the Hotel Industry has expanded rapidly benefiting from a number of factors mainly related to economic growth an improved technology. The increasing globalisation of a lot of companies necessitated more corporate travel and accommodation. Being the financial centre of Europe and to some extent the world, London benefited a great deal from this rich consumer source. A lot of hotel groups responded to this by investing on their brands, positioning their portfolios to more upscale four/five star properties. In addition, the budget hotel sector was developed to suit a wider range of consumers as well as businesses. All was made even easier for consumers by the development of the internet. This allowed easy comparison in terms of price and guest facilities on offer, as well as a more convenient way to book them. Internet is now thriving with 34,104,175 or 57.2% of population having access to it in the UK spending an av erage of ten hours a month online (www.theanswerbank). In spite of the healthy growth experienced in the last two decades and the excitement of the coming Olympic Games London 2012, the industry has in 2009 suffered a setback. This was due to the recession that affected almost every developed or developing economy in the world. In the first quarter of 2009, the UK saw a fall in visits by one million, although statistics show that spending remained relatively the same as the corresponding time of the preceding year (table1.1). This could be accredited to the weaker pound which slummed at record lows both against the Euro and American Dollar at 75.86p to the Euro and $ 1.375 (bbc.co.uk). In 2008 there were 31.9 million visits in the UK producing on average  £512 of spending each, generating over  £16.3 billion of revenue for the economy. This however is considerably smaller than the spending generated by the internal visits of UK residents which marked  £21.1 billion for the same period, though slightly down from the previous year. The total spending generated by both UK and Overseas visits for 2008 was just above  £37.4 billion, 0.4% higher than 2007 (table 1.1). Hotel industry takes just above 42% of this wealth, in other words  £15.87 billion. During the peak of recession there was a significant increase on short-term holidays taken domestically. Though, as the economy comes out of recession domestic holidays are predicted to fall by 7.7% with a similar decline on value between 2009 and 2013. Holidays abroad on the other hand are forecasted to increase by over 16% between those years. (KeyNote) According to government data turnover in the hotel market gradually increased on average by 6.6% between 2004 and 2008. Key Note forecasted a 6.8% (appendix 4) decrease in total revenue for the following year but expects an upward trend from 2010, peaking in 2013 to 4.8% or 16.99 billion in total. Room occupancy which is a key indicator to measure the amount of business carried out by hotels was at 76% in 2007 according to VisitBritain but decreased in the following two years to 68% in 2009. Economic trends In the last five years the UK economy has seen some of its best and worst days. After the healthy growth that the economy had enjoyed in the early part of the decade came the downturn that succeeded in the second half of it. As a result of the global credit squeeze, 2007-09 proved to be a bumpy ride for the economy, enforcing banks to take a tougher line on lending. This caused a sharp fall in consumer spending, with unpleasant consequences for most industries. In 2005 research showed that productivity growth had slumped and business investment was at a record low, consequently the British economy was growing at a rate slower than the average growth for other developed economies, falling well short of chancellors budget prediction. Table 1.4 shows the GDP performance in the last five years to 2008. It is evident that GDP plunged in 2008 to only 0.7 and performing at its worse in the 3rd quarter of 2008 when the economy fell into a recession registering a -6% drop (nationalstatistics.co.uk). GDP started to recover late in the 4th quarter of 2009 when it was just under stagnation point and first signs of getting out of recession appearing in the first quarter of 2010. According to national statistics growth in the first quarter of this year register a 0.2% increase. The same source suggests that during the same quarter distribution, hotels and restaurants fell by 0.7% compared with an increase of 1.9 per cent in the previous quarter. Appendix 1 shows how this recession compares to the previous two in the 80s and 90s. It appears that last recession was the hardest of the three but seems to be the shortest of the three. High energy prices in the world markets (highest being $136.24 a barrel, 2008, appendix 2), forced inflation rates rise to record heights in September 2008 to 5.2% well above the Bank of Englands target of 2%. This increase forced the Bank to raise interest rates three times since summer 2006 with highest being in July 07 at 5.75% (BBC, 29/11/07). Although, this spike in inflation became less of e concern for the Governor as recession was deemed the major threat to the economy. This then led the Bank England to repeatedly lower interest rates reaching its lowest point at 0.5% in March 09 and hoping for the inflation to melt away. In fact that is exactly what happened with inflation rates falling to 1.1% in September 2009, the lowest since 2004. (thisismoney.co.uk) Increase in fuel prices is bound to raise travel costs for millions of people. High fuel prices, rise in interest rates and inflation followed with the credit squeeze effects are also leaving people with less disposable income. This is having a negative effect on consumer spending as it is getting difficult for consumers to keep up with credit payments (credit cards/mortgages/loans). Therefore, loss in consumer confidence may result in less spending on holidays consequently impacting on industry profitability. Competition According to National Statistics there are 10,195 hotels in the country and the majority of those establishments generate less than  £1 million annual turnover (appendix 5). This has not stopped competition in the industry intensifying in recent years, narrowing the gap between budget and midmarket hotels. However, its still the large chains/midmarket hotels that win the marketing battle by spending large sums on brand building. This has become a very important feature and most hotels are now seeking to develop stronger identity that would target both consumer and corporate sectors more effectively. Among others, Premier in was one of the largest spenders on media advertising in 2009, spending over  £5.5 millions on promotional activities followed by Travel Lodge who spent just under  £3 million. In addition to this the large chains have focused on seasonal offers and lowering their prices. For example, in autumn 2009 Travel Lodge lunched room sales for the next spring, offering rooms for as low as  £12 a night. Also these midmarket establishments have more flexibility to offer packages or meals to attract a larger, more price conscious market. Low budget hotels on the other hand have responded to this by providing more facilities and services than before as well as including more offers on their websites. Table 1.8 shows some of the major players in the United Kingdome and their relative annual turnover. InterContinental Hotels Group PLC seems to lead the way with close to  £2 billion annual turnover from which  £302 million were pre-tax profit. The company has a number of brands under its umbrella such as Crowne Plaza, Hotel Indigo, Holiday Inn, Express by Holiday Inn, Staybridge Suites and Candlewood Suites operating in around 100 countries offering 630,000 rooms. Second in this list follows, Millennium Copthorne Hotels PLC with an annual turnover of  £703 million and pre-tax profits of  £103 millions. The company fosters four different brands including Millennium and Grand millennium Hotels, Capthorn Hotels and Kingsgate Hotels. Recently it has recently expanded with seven new hotels in China and Middle East. Accor UK Business Leisure Hotels Ltd is owned by Accor a French based group which has 15 different brands under its umbrella varying from luxury to economy accommodation. The UK based subsidiary generates an annual turnover of  £198 million of which  £37.5 million pre-tax profit. Travelodge which is owned by Dubai International Capital is the next in line generating an annual turnover of  £287 million and a pre-tax profit of  £16.5 million. The company is rapidly expanding both in UK and main land Europe, with 29 hotels planed to be built in UK in 2009 and 100 in Spain by 2020. De Vere Hotels Leisure Ltd operates two hotel chains generating a total annual turnover of  £248 million by combining a 100 bedroom hotels and fitness clubs. The company is owned by Alternative Hotel Group which is aiming to rebrand the De Vere portfolio under Deluxe, Heritage and Venue options, differentiating the accommodation offer. Tourism There was a slight drop in the number of overseas residents visiting Britain for business reasons in 2007/8 as a lot of companies tightened their budgets on travel expenditure. This has resulted in low room and bedspace occupancy levels which dropped to a 4 year low (426.2 million bed nights) with serious consequences for the hotel market. The following year was a very difficult year for tourism, experiencing a significant drop in visit numbers. 2010 is also expected to be somewhat difficult for the industry, with substantial improvement expected to start only in 2011. However, according to a keynote report on travel and tourism, research suggests that 1/3 adults in the Britain has taken at least one holiday in the last 12 months and 1/5 of them having taken three or more for the same period. Still, the economic downturn forced a lot of suppliers, including the package tour operators, to react by reducing their capacity and cutting the number of holidays on offer. UK continues to be an attractive place in the international holiday market and this is very important for the long term prospects of the hotel industry. The coming decade which has been described by many commentators as the golden decade of sport because of the many different international events due to take place in UK (table 1.7) is exiting times for the industry. Overseas spectator numbers to these events will provide a necessary boost for the hotel market. Records based on previous similar events staged by other countries in recent years show that hotel profitability increased as a direct result. BigHospitality referring to VisitEngland research suggests that tourism industry in the United Kingdome could be worth a staggering  £147 billion by 2020 with the potential of creating over 225,000 new jobs in the industry. This would be a 52% increase from the current estimated value of  £97 billion. Though smaller than the domestic spending in hotel sector, the international tourism is a significant contributor to total revenue. Only London, which earns over  £8bn from overseas visitors, depends more on the overseas visitor than on the home market. Employment and Demographics According to BBC unemployment in UK continued with its downward trend until August 2007, falling by 5000 in the second quarter of 07 to 1.65 million where it maintained one of the lowest unemployment rates in Europe at 5.5% but slightly higher than that of USA. ONS figures also showed that average earnings rose by 3.7% during the same quarter, beating expectations of a 3.6% rise. However, theses prosperous years were soon over and low unemployment was history. According to the national statistics, employment has seen a dramatic fall in the last three years reaching its lowest point since 1996 when it hit 72.1% or 28.82 million in February 2010 (appendix 3). In the last quarter to February there was a decrease in both part-time and full time employment totalling 89.000. The number of people working only part-time because they could not find full time employment increased during the same quarter to reach 1.05 million, the highest figure since 1992. The overall unemployment rate recorded 8.0%, in other words 2.5 million, higher than any time since September 1996. The inactivity rate in the first quarter of 2010 was at 21.5%, the highest since 2004. This added another 110,000 to the total figure, reaching a record high of 8.16 million people considered inactive in UK. Though, this could be as a result of a relatively large number of young people choosing to go into education after finishing their secondary school rather than go straight to the labour market. Population in the United Kingdome has continuously increased in recent years reaching 61.4 million in 2008, an increase this of over 9% in just five years (KeyNote). This was due to the high influx of migrants from the newly joined EU member states from Eastern Europe. This trend of population growth is forecasted to continue to the end of the century. Britains population is predicted to reach 71 million within 25 years, 78 million within 50 years and 85 million by 2081 (The Guardian, 28/11/07). This 39.6% growth (from 59,834,300 in 2004) represents an opportunity for steady market growth in UK in the next 78 years. The hotel industry is likely to benefit substantially from this if the lifestyle people have grown to enjoy in the last 20 years continue to be the norm. SWOT Strength UK is seen as a major tourist destination and has in place a good promotional and support system for tourists such as VisitBritain. The UK market incorporates a number of internationally well-known hotel brands and chains. Short term leisure breaks have risen due to high disposable income over the last decade. The development of the budget hotel sector opened the hotel market to a wider range of clients. The Internet has facilitated easier choice and booking of facilities. Weaknesses The industrys performance is highly dependable on the performance of the wider economy. The market seems to be over supplied in term of room numbers and this seems to keep room occupancy levels rather low at 60% average. Budget and upscale hotels seems to be putting the midmarket establishments under pressure. Continuing investment is necessary to maintain properties at a high standard. Opportunities A number of international sports event planned to be staged in UK between now and 2019 Western Balkans expected to join the European Union soon which would allow for more tourists from that region visit Britain. Forecasted growth of inbound visits till 2014 Steady population growth well into the century which would boost demand for travel and tourism and consequently Hotel facilities. Threats Some EU economies suffering from high deficits may be forced to freeze or lower wages all together in their public sectors. This could impact the numbers of overseas visits to UK which would adversely affect the turn over and consequently profits in the hotel industry It may get harder to raise expansion capital due to falling property values. High unemployment rates in UK could mean that people may not be able to afford holidays. CONCLUSION/RECOMMENDATION The success of the industry is dependable on a lot of external factors and this was most clearly evident during the last economic downturn. However, in todays world globalisation plays an important role both in leisure and commerce. Therefore, hotel industry which is now well established will be a sector that would commend high demand for its services in the future. History shows that hotel industry has bounced back in the past after suffering similar setbacks. This will certainly be the case this time round with the first signs of recovery already in sight. At glance it appears that the industry has learned from previous downturns responding to it by adjusting prices and offers to look more attractive. Seeing that the largest share of revenue comes from internal visits and many EU economies risking Bankruptcy, it would be wise to try and encourage more British people spend their vacations in the UK. In the meantime the coming decade with its sports events to be held here presents a great opportunity for the industry. Therefore, companies should take advantage of this by planning ahead so they would have sufficient bed/room space to meet the demand. Although trading at the moment is rather low in comparison to pre-recession time and raising capital for further development has become harder. It is worth remembering that hotel projects take a relatively long time to materialise and now may be the time to start thinking for the future. As the economy recovers the hoteliers should also seek to build occupancy back, perhaps through further competitive pricing and promotional deals with the aim to reinstate RevPar growth. APPENDICIES AND TABLES Table 1.1. Overseas residents visits to the UK and the expenditure in the UK (Million,  £million and  £) 2004-09 2004 2005 2006 2007 2008 2008 Q1à ¢Ã¢â€š ¬Ã‚   2009 Q1à ¢Ã¢â€š ¬Ã‚   Number of overseas visitors (million) 27.8 30 32.7 32.8 31.9 7.2 6.2 Expenditure ( £m) 13.047 14.248 16.002 15.960 16.323 3.129 3.128 Average expenditure per visit ( £) 469 475 489 487 512 435 505 UK residents Expenditure ( £m) 21,238 21,107 Q1- first qarter à ¢Ã¢â€š ¬Ã‚   Seasonally adjusted Note: expenditure figures refer to total spending by visitors not solely accommodation/hotel costs Source. International Passenger survey (MQ6, Quarter 1 2009) National Statistics Table 1.2: EMPLOYMENT IN THE UK HOSPITALITY INDUSTRY 2004-2007 2004* 2005* 2006 2007 Contract food service  providers 179,600 178,300 182,600 181,600 Hotels 247,100 238,400 238,500 245,000 Pubs, bars and nightclubs 368,400 333,900 297,700 319,600 Restaurants   518,700   514,700   499,700   526,700 Hospitality services   402,100   379,900   390,300   417,400 TOTAL WORKFORCE   1,917,300   1,843,000   1,866,300   1,960,700 Source: Labour Force Survey www.caterersearch.com Table 1.3: UK resident population estimates 2004-08 2004 2005 2006 2007 2008 Population (000) 59,846 60,238 60,587 60,975 61,412 % change year on year 0.7 0.6 0.6 0.7 Source: Monthly Digest of Statistics, August 2009, statistics.gov.uk Table1.4: UK GDP at Current and Annual Chain-Link Prices ( £m), 2004-08 2004 2005 2006 2007 2008 Current Prices 1,202,956 1,254,058 1,325,795 1,398,882 1,446,113 % change 4.2 5.7 5.5 3.4 Annual Chain-Link 1,227,387 1,254,058 1,289,833 1,322,842 1,332,652 % change 2.2 2.9 2.6 0.7 Source: Economic and Labour review, August 09, statistics.gov.uk Table 1.5. UK rate of inflation (%) 2004-2008 2004 2005 2006 2007 2008 Inflation (%) 3.0 2.8 3.2 4.3 4.0 Change year on year -0.2 0.4 1.1 -0.3 Source: Monthly Digest of Statistics August 2009, National Statistics website Table 1.6: Proportion of nights spent and expenditure on hotels, motels or guest houses and other accommodation in the UK by UK and Overseas residents (%) 2007 2008 Nights (%) Expenditure (%) 2007 2008 2007 2008 UK Residents Hotel, motel or guest house 23 23 46 48 Other accommodation 77 77 54 52 Overseas residents Hotel, motel or guest house 23 22 50 50 Other accommodation 77 78 50 50 Source: UK Tourism survey 2007 and 2008, VisitBritain/International Passenger survey 2007 and 2008, National Statistics. Table 1.7: Golden decade of sports Event Sport Year Location Ryder Cup Golf 2010 Wales Olympic Games Various 2012 London Commonwealth Games Various 2014 Glasgow Rugby World Cup Rugby 2015 England World Cup Football 2018 UK Cricket World Cup Cricket 2019 England Table 1.8: Major Players in UK Hotel Industry Company Revenue per year ( £m) Accor UK Business Leisure Hotels Ltd 198.3 De Vere Hotels Leisure Ltd 248.2 Guoman Hotels Ltd 220.4 Hilton International Hotels (UK) Ltd 58.10 InterContinental Hotels Group PLC 1,850.00 Macdonald Hotels Ltd 135.4 Marriott Hotels Ltd 149.5 Millennium Copthorne Hotels PLC 702.9 Premier Inn Hotels Ltd 159.5 Travelodge Hotels Ltd 287 Source: KeyNote Appendix 1: The Economy in three recessions (bbc.co.uk) Appendix 2: Oil price rise 2000-07 (bbc.co.uk) Appendix 3: Employment (statistics.gov.uk) Appendix 4: UK Hotel Market Forecast. Appendix 5: Number of establishments

Life After Marriage Essay -- essays research papers

Life after marriage The lives led by people as individuals are vastly different from the lives they lead after marriage. Although single life has it’s many vicissitudes, they are greatly altered by the addition of another party into the situation. Even the simplest things change drastically when you marry the special person in your life, such as eating, sleeping, and working. The changes in one’s eating habits are altered by the addition of another person into their everyday lives. Before we marry someone and get ready to settle down into the life of a husband and wife, our eating habits more related to the life we lead on an every day basis. Eating takes place when our daily schedule permits or we take time because the need arises. After marriage, that special person in your life decides what is best for you and a schedule has to be formed around their need to take care of their spouse. They want you to eat all the proper foods at the proper time in order to take care of you, whether you are hungry or like the food. This is all done out of love and the best of intentions. Although this whole process can be annoying, the best thing to do is to go along with it in order to avoid offending or rejecting their good intentions. The adjustments actually become more beneficial and pleasing than the initial complications created. Getting married also alters sleeping habits. The changes made by the addition of a spouse can be the hardest part of adjusting...

Relationships in a World without God Essay -- Philosophy Philosophical

Relationships in a World without God In a world in which lives are shaped by irreversible choices and by random events, a world in which everything occurs but once, existence seems to lose its substance. Life in this designless universe raises questions of identity and can cause turmoil between the relationships of the self to others, the self to history, and the self to God. Through the words of existentialist novelists and philosophers Milan Kundera and Jean-Paul Sartre, we witness the philosophical and psychological struggles for identity, existence, and ‘being’ of the characters in The Unbearable Lightness of Being, and Nausea. In connection with other philosophic writings of Heidegger, Kierkegaard, Tillich and Sartre the ideas of existentialism expressed in these two novels become more apparent, and the relationships of the characters in this world-without-God can be explored. Our principle readings rested in the argument of man’s existence and being. Sartre’s Nausea and Kundera’s Unbearable Lightness of Being both depicted the stories of humans struggling to accept their own realities in a state of what Heidegger referred to as â€Å"thrown-ness†. Heidegger’s existential thoughts are concerned with the question of the meaning of Being. Heidegger based his philosophy upon the science of existence. The scientific method was that of phenomenological reduction. Although Sà ¸ren Kierkegaard accepted the paradox of being defining itself, as a scientist, Heidegger could not accept this paradox. According to Heidegger, a concept must be defined without using itself as reference. The difficulty of definition was confronted by defining Being as a collection of concepts. In his essay â€Å"The Fundamental Question of Metaphysics†... ...r own histories, their struggles with purpose and meaning, and the plight of their thrownness create a compelling and emotionally engaging novel that resemble the insecurities and consciousness of our own lives. Heidegger states that time only reminds men of how insignificant they are, how endless the universe is, and how all they can really do is seek to accept themselves on their own terms in anticipation of death, to wonder at the meaning of it all. Kierkegaard and Miller address the loathing of the impasse that threatens their lives as a result of historicism (and the absence of God). And Nietzsche claims that we must use history to escape animal-ness, but not so far as to become further imprisoned within our consciousness. Throughout history, and in each man’s life, there is return: to the center, to the same errors, and to that danger and fear of nothingness.

Willie Stark as Huey Long Essay -- Literary Analysis, Robert Penn War

Robert Penn Warren’s novel, All the King’s Men depicts the tale of the rise of a political leader named Willie Stark. Many readers have speculated that Warren based Willie Stark’s character on Huey Long, a controversial, political leader from Louisiana who was prominent during the early 1900s. Although Robert Penn Warren has â€Å"repeatedly denied that Willie Stark is a fictional portrait of Huey Long,† many aspects of the novel directly correlate to the political career and personal life of Huey Long (Payne). Robert Penn Warren creates a character whose experiences and political career directly correlate to the events in Huey Long’s life. The speculations that Willie Stark is a fictional representation of Huey Long are indisputable due to the events in the novel and the characterization of Willie Stark, Huey Long came from a humble background. His father, Huey Pierce Long, Sr. was a â€Å"livestock farmer† from Winn Parish, one of the â€Å"poorest parishes in a very poor state† (Hueylong.com). Willie Stark also hailed from a modest background. Penn describes Willie as a â€Å"red-faced and red-necked farm boy† demonstrating humble roots similar to those of Huey Long (7, Warren). Willie also comes from a low class family, which enables him to identify with the common man of society. For example, during his impromptu speech in front of the convenient store, Willie uses Germanic diction and speaks to the â€Å"folks† in the town of his being called to â€Å"come home† and the importance of roots (16-17). Huey and Willie’s upbringings are clearly a connection between the two men and directly impact their personalities and decisions that they make throughout their lives. Perhaps a more concrete example of the association between the fictional Will... ... described as a man whoâ€Å"bathes daily in a swamp of corruption, including casual infidelity† (Keller). Willie Stark’s actual death in the novel symbolizes Huey Long’s â€Å"death† in the election for mayor following the unveiling of his less than acceptable actions. Although Robert Penn Warren denies the assumptions that Willie Stark was created as a fictional representation of Huey Long, the correlations between the novel, All the King’s Men and Huey Long’s life are indisputable. Warren’s development of Willie Stark’s character perfectly mimics Huey Long through his political advances, his sexual indiscretions, his personality, and his assassination in the Capital building. The historical parallels shine clearly throughout the plot of the novel, but the internal detail of All the King’s Men clearly demonstrates the connections between Huey Long and Willie Stark. Willie Stark as Huey Long Essay -- Literary Analysis, Robert Penn War Robert Penn Warren’s novel, All the King’s Men depicts the tale of the rise of a political leader named Willie Stark. Many readers have speculated that Warren based Willie Stark’s character on Huey Long, a controversial, political leader from Louisiana who was prominent during the early 1900s. Although Robert Penn Warren has â€Å"repeatedly denied that Willie Stark is a fictional portrait of Huey Long,† many aspects of the novel directly correlate to the political career and personal life of Huey Long (Payne). Robert Penn Warren creates a character whose experiences and political career directly correlate to the events in Huey Long’s life. The speculations that Willie Stark is a fictional representation of Huey Long are indisputable due to the events in the novel and the characterization of Willie Stark, Huey Long came from a humble background. His father, Huey Pierce Long, Sr. was a â€Å"livestock farmer† from Winn Parish, one of the â€Å"poorest parishes in a very poor state† (Hueylong.com). Willie Stark also hailed from a modest background. Penn describes Willie as a â€Å"red-faced and red-necked farm boy† demonstrating humble roots similar to those of Huey Long (7, Warren). Willie also comes from a low class family, which enables him to identify with the common man of society. For example, during his impromptu speech in front of the convenient store, Willie uses Germanic diction and speaks to the â€Å"folks† in the town of his being called to â€Å"come home† and the importance of roots (16-17). Huey and Willie’s upbringings are clearly a connection between the two men and directly impact their personalities and decisions that they make throughout their lives. Perhaps a more concrete example of the association between the fictional Will... ... described as a man whoâ€Å"bathes daily in a swamp of corruption, including casual infidelity† (Keller). Willie Stark’s actual death in the novel symbolizes Huey Long’s â€Å"death† in the election for mayor following the unveiling of his less than acceptable actions. Although Robert Penn Warren denies the assumptions that Willie Stark was created as a fictional representation of Huey Long, the correlations between the novel, All the King’s Men and Huey Long’s life are indisputable. Warren’s development of Willie Stark’s character perfectly mimics Huey Long through his political advances, his sexual indiscretions, his personality, and his assassination in the Capital building. The historical parallels shine clearly throughout the plot of the novel, but the internal detail of All the King’s Men clearly demonstrates the connections between Huey Long and Willie Stark.

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